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Friday, November 4, 2022

Thiruvallikkeni kainkaryam - O.M. Soundararajan

I have posted some photos /post on Thiruvallikkeni kainkaryabarars – here is another one – photo taken this evening (but with a tinge of sadness!) 

Ozhaiyur Mudumbai Soundararajan is my batch-mate – during late 1970s, though in schools Soundar was into kainkaryam – in every possible manner – arulicheyal, sripatham, carrying ther kalasam alongwith some others and was a busybee in temple.  He used to go to Kanchipuram and other divyadesams and other temples too for kainkaryam.  At that age, used to wonder his energy, passion and the amount of time he spent in temples. 

He completed + 2; joined some workplace [Solidaire TV I think!] – was contemplating to go abroad when destiny struck – in mid 1980s – he was travelling in a bus, returning from his sister home in Bangalore and the bus he was travelling was involved in an accident near Kanchipuram – he was unconscious and was lying in Govt Hospital when a friend spotted him, brought him to Chennai – underwent treatment for couple of months. 

The accident left him with speech difficulty, difficulty in walking, various health issues  and sort of difficulty in remembrance for sometime .. .. it took many years for him to recover – now almost 35 years + later, he is able to walk with difficulty. His father too was a great kainkaryabarar and a very nice person.  He lost his parents recently and is living singly.  

Still the innate goodness, smile, attitude, attachment to Sri Parthasarathi – all flow gently.

 


Photo of my friend Soundar taken this evening during Ekadasi purappadu at Thiruvallikkeni 

4.11.2022 

Thursday, November 3, 2022

Flood claim denied payout ~ because of licence breach !!!!!

Insurance is a contract ~ and at times, indemnity may be denied due to various reasons including – absence of fortuity, peril not being an insured peril, property not covered, loss not established and the like.  Without getting into more details, here is an interesting case where a woman was denied insurance payout – and can you imagine the reason ?

In India, till 1999 the insurance sector was controlled by Controller of Insurance as per the provisions of Insurance Act 1938 but after formation of the IRDA, the Authority issued various regulations,  to develop the insurance sector in the country.  Among them is the granting of license to companies to start insurance business; approval of insurance product and the like are of paramount importance.  With IRDA direction, no person can carry on Insurance business unless & until he has obtained a certificate from the Authority for a particular class of Insurance business.

Now in  India, the fire policy coverage is under Standard Fire and special perils  Policy.  Contrary to common belief, a Fire insurance policy offers indemnity not only against fire but against certain other specified perils as well.  The Standard Fire and Special Perils Policy (Material damage) which came into effect from April 2003, is a named peril policy specifying 12 perils.  The Policy provides for indemnity of destruction or damage to the property insured caused by storm, cyclone, typhoon, tempest, hurricane, tornado, flood or inundation excluding those resulting from earthquake, volcanic eruption or other convulsions of nature.

The denial of insurance payout did not occur in India ~ but in UK as reported in MailOnline In Mar 2014.  Roslyn Earle, 66, arranged cover for her five-bedroom Wiltshire house through a broker.  Her home was flooded - warping solid oak floors and destroying furniture ~ the loss appeared genuine and well within the purview of the policy held, yet the claim was denied !

It was not the terms and conditions of the policy or exclusions that denied the payment but because  the policy was underwritten by an Icelandic firm whose licence has been withdrawn.

Roslyn Earle arranged cover for her five-bedroom Wiltshire house through the century-old Country Gentlemen’s Association. The CGA’s brokers placed her policy with European Risk Insurance, which lists an Essex address but is actually based in Reykjavik.  Mrs Earle, 66, submitted a claim after flood water warped solid oak floors, destroyed antique furniture and forced her to flee with only her two cats and a suitcase. It was only then that she discovered Icelandic regulators had withdrawn European Risk Insurance’s licence amid concern the company did not have enough funds to meet its liabilities.

Homeless and facing mounting debts, Mrs Earle complained to  the UK Ombudsman, but officials suggested she ‘try the Icelandic Ombudsman instead’. The Icelandic authority promised to call back but never did. Her six children had to rent a holiday cottage as a temporary refuge for her because, although the waters  receded, her house was uninhabitable. It is stated that she she may be eligible for partial help under the financial services compensation scheme.  The despaired policy holder is quoted as saying - ‘The insurance industry has become so complex and I wonder how many more people are in my position without yet knowing it.’

With regards – S. Sampathkumar

4th Mar 2015.

Fading glory of Yellow stone Park ~ luck coins spoilt ...

The Yellowstone River,  is a tributary of the Missouri River, approximately 692 miles (1,114 km) long, in the western United States.  In 1871, eleven years after his failed first effort, Ferdinand V. Hayden was finally able to make another attempt to explore the region. With government sponsorship, Hayden returned to Yellowstone region with a second, larger expedition, the Hayden Geological Survey of 1871. His report helped to convince the U.S. Congress to withdraw this region from public auction.  In Mar 1872,  President Ulysses S. Grant signed The Act of Dedication  law that created Yellowstone National Park.

When the train moves slowly nearer Rajahmundry over river Godavari – people would throw coins as offerings in to the river.  This is quite a familiar scene in Krishna bridge, Rameswaram cantilever bridge and in many other places over waters considered sacred.  In a visit to the Golden temple, near Vellore observed that the waters surrounding the main temple precincts had their floors covered with coins put as offerings.  One can also find visiting cards inserted on the walls and other crevices of many temples. 

Hayden and his 1871 party recognized that Yellowstone was a priceless treasure, which would become rarer with time. He wished for others to see and experience it as well. Eventually the railroads and, some time after that, the automobile would make that possible.  Yellowstone National Park  is a national park located primarily in the U.S. state of Wyoming, although it also extends into Montana and Idaho.  Yellowstone, widely held to be the first national park in the world,  is known for its wildlife and its many geothermal features, especially Old Faithful Geyser, one of the most popular features in the park.  Hundreds of species of mammals, birds, fish and reptiles have been documented, including several that are either endangered or threatened.

The Yellowstone Park bison herd is the oldest and largest public bison herd in the United States.  In Sept. 14, there was news that the Park has plans to reduce its bison population this winter by as many as 900 head, or a fifth of the herd, by killing off those animals that stray from the park in what would be the largest such culling in seven years !  The plan was unveiled a day after conservationists filed a legal petition demanding the Obama administration end annual culling exercises that have resulted in thousands of Yellowstone bison being shipped off to American Indian tribes for slaughter during the past decade.  In recent years, wayward bison have been removed through a combination of special round-ups and hunting.  That would leave the size of  last pure-bred band of free-ranging bison,  to 4,000 animals from an estimated 4,900.  Months later, now,  Managers of Yellowstone National Park bison said Monday they are considering changes to policies that have seen thousands of purebred buffalo from the nation's last wild herd bison killed since 2000 to stem transmission of a disease to cattle. Montana cattlemen fear wandering bison exposed to brucellosis, a disease first brought to the park by domestic livestock, will infect their cows, causing them to abort their young and endangering the state's brucellosis-free status. Government and tribal managers are considering six alternative management options submitted by agencies including the state of Montana and the National Park Service.

This is no post on culling but on the ‘luck coins’ now blamed for permanently destroying Yellowstone hot spring turning it Green.  It may look like a stunning rainbow of colour, but the psychedelic hue of this hot spring in Yellowstone National Park, is a result of years of unintended vandalism by visitors, reports MailOnline. 

Once a brilliant shade of blue, the Morning Glory pool's appearance has altered dramatically since the 1950s, thanks to an accumulation of coins, rubbish and natural debris. The pool has been dubbed the Fading Glory, due to the transformation from its original colour to the yellowy-green hue it has today.  The popular tourist attraction sees three million visitors flock to gaze at its psychedelic waters in Wyoming, USA. The site first gained popularity in the 1940s when a million tourists would visit the site.  The fierce colours are influenced by how light interacts with the water’s depth, with yellow and orange colours in the shallows and green in the deep waters.  The rainbow hot spring has been clogged up with debris, which block the heat vents, and affecting the water circulation in the pool. 
The first photo is of 1940 and the one above is  recent looks

It is estimated that the destruction of the hot spring has been building up for decades.  Research by Montana State University and Brandenburg University of Applied Sciences in Germany helped to create a model that could depict the hot spring's colours from over a century ago, when it was less frequented by visitors. Now nearly three million tourists flock to Yellowstone National Park, compared to the one million in the 1940s, which has led to the build-up of debris in the pool.  As the underwater vents started to get clogged up, water circulation was affected, decreasing the temperature of the waters and causing a migration of the orange-coloured bacteria towards the centre.

Adam Hoffman from Science Friday said: 'Pigments produced by swaths of those microbes—called microbial mats—are responsible, at least in part, for the brilliant yellows, greens, and oranges that now tinge Morning Glory and other thermal pools in Yellowstone.'  The pool received its name in 1883 from Mrs McGowan, who was the wife of Assistant Park Superintendent, Charles McGowan. As a nod to its then crystal blue colour, she named it after the blue flower, Morning Glory.   Unless some subterranean shift happens where more hot water can again flow to the surface, Morning Glory will never be fully blue again !!  The pool has warning signs around it, in an attempt to reduce further vandalism to its waters. It has been dubbed Fading Glory, now bearing little resemblance to the bright blue flowers which gave it its name.

With regards – S. Sampathkumar
17th Mar 2015.


Wednesday, November 2, 2022

the story of the man who won 5 crores in Kaun Banega Crorepati !!

Meelo Evaru Koteeswarudu, popularly known by its abbreviation MEK or simply Koteeswarudu, is a game show presented in Telugu produced by BIG Synergy which is the official adaptation of the internationally acclaimed Hindi game show Kaun Banega Crorepati.   The first season of this game show was hosted by Telugu actor Nagarjuna.  As one would recall, ‘Naan ready – Neenga Readiya ?” – was the poser to audience by Sarathkumar – in  the show “Koteeswaran”  in Sun TV on the lines of ‘Kaun Banega Crorepathi’  [KBC].  KBC anchored by Amitabh Bachan  took the viewers by storm;  those days the advt rates for KBC  were stated to be  around Rs 3.5 lakh for 10 seconds. 

Q 3: With which part of a computer is the advertising slogan “Intel Inside” associated?     OPTIONS : a) BIOS; b) RAM ; c) USB; d) Processor
Q 6. Mohammad  Gaddafi was the ruler of which country from 1969 to 2011?
OPTIONS: a) Libya; b)Tunisia; c)Sudan; d)Egypt.
Q 9: After Sachin Tendulkar which Indian Batsmen has scored the most number of runs in Test Cricket? OPTIONS : a) Sunil Gacaskar; b)Rahul Dravid; c)Md Azharuddin; d)VVS Laxman
Q 11: According to Hindu mythology, Who among these was the daughter of an 'apsara' and 'rishi'? OPTIONS: a) Devaki; b)Rukmani; c)Shakuntala; d)Ganga
Q 13: Which Colonial power ended its involvement in India by selling the rights of the Nicobar Islands to the British on October 16, 1868?
OPTIONS: =a) Belgium; b)Italy; c)Denmark; d) France

Answering all  the above correctly, showered riches on Sushil Kumar,  that was in the 5th season of  game show "Kaun Banega Crorepati";  Sushil Kumar from Bihar  won the mega prize of Rs.5 crore.  The  episodes showed the participant’s background, their homes, their locality often portraying their simplicity.  Sushil Kumar, was a  computer operator and tutor whose earning were a meagre Rs.6,000 per month.

Questions would look simple and answers too easily known when you see and judge them from outside… that is more because your failures are not counted and your answers are not valued… attach some value of gain or a loss to your decision then most men would fumble often on very ordinary Qs, answers to which most people would claim to know.   That way, there should have been  pulsating excitement on the set and the expectations on air at the venue for the crew and spectators should have been unimaginable.  It is the highest prize money ever  in the history of Indian television.  The reports stated that Sushil took more than long time in deciding on going for the last Q after crossing the 1 crore mark.  The defensive mindset would have forced ordinary mortals to walk away with the crore prize money; he eventually decided to go for it and after he answered and results were known, the  entire place just exploded.

The family of Sushil Kumar, the contestant, not prone to any kind of public jubilation ran on to the floor of the set in uncontrollable joy and screamed in  happiness, whilst the live audience were whooping it up on their feet with the loudest scream.  The episode, featuring Sushil  Kumar's win, was telecast in Nov. 2011. A recent report in www.desinema.com states that after 5 years, Sushil Kumar is ‘cashless’ hinting that Income tax is too harsh.  The report puts that -
“The hardest thing to understand in the world is the income tax.”  Quoted by the great Albert Einstein.  We believe this line holds good for Kaun Banega Crorepati (KBC) season five winner Sushil Kumar. Sushil Kumar the winner of KBC Season 5 who ended  up winning a whopping 5 crores at the popular television reality show telecast on Sony TV in 2011, but now claims to be cashless .

He could only get INR 3.6 crore out of the 5 crore prize amount.  That was  the first reality check that hit him hard.  The winner is quoted as saying - “Much of the money was spent in building a house which I share with my parents and four brothers. I have also purchased a plot of land in Motihari in the name of my mother and some agricultural land. Another chunk of it was spent on setting up businesses for his brothers”, he said in a conversation with Hindustan Times.

Kumar was an computer operator earning INR 6000 rupees in Mahatma Gandhi National Rural Employment Guarantee Act before he won in KBC in 2011. After 5 years, his life has come full circle and now he wants to be a School Teacher.  He says with regret that  he did get some endorsement offers after winning the KBC, but nothing  materialized  and he even met Bihar CM Nitish Kumar and wished to join politics, but nothing worked out in his favour.  [http://desinema.com/kbc-winner-who-won-5-crore/ ]
Not sure of what palace he built ~ Rs.2 crore put in a Fixed deposit scheme would earn interest @ 9% the least, which would work out to Rs.18 lakhs – which again after tax would still fetch more than a lakh per month with capital intact.  If somebody who was earning Rs.6000 p.m. blames life  -  you know what is to be told !!

With regards
S. Sampathkumar.

10th Mar 2015.