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FAQs
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Have you ever had an “I’m done” moment? If so, what was the impact on your life?
One night last December, I show up to my boyfriend’s apartment. We've been dating for about a year and a half at this point.At the beginning of the relationship, I thought him being five years older and having extensive knowledge of the inner workings of cells meant he would be the one to take care of me, shelter and teach me.I would go to take on the role of caretaker myself: signNowing across him to open his passenger car door so he could throw up after downing bottles of champagne at his brother’s wedding and lying about his drinking when his mother asked me about it.I show up on Christmas...
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What is the most epic computer glitch you have ever seen?
I was playing with my PC as usual. My wife is on other room doing some tasks. It was at night, the night sky is dark with clouds. When I was busy playing, the power suddenly went off. I screamed because of course it could potentially damage my motherboard. I instantly regret my decision not buying a UPS the other day.It was possible that only the power in my house went off. So, I went outside. I saw my whole neighborhood is dark. So apparently maybe the power grid is down.So I went to my room, my wife is there. She stopped doing her tasks. We just lie there in bed doing nothing. Then we have a little conversation and small talk about many trivial things. It went on for hours, then we just realized that the power have been off for too long. We got bored and the room became really dark.Then, I said.“Ok. This is taking a long time. I will go check outside. Maybe the others have gone up?”I look outside. Everything still dark. Went back in.“Still no power. You know what, I'll show you a trick.” I said that to my wife.I went to my PC and she followed.“I will use my hidden PC features. It can power this whole neighborhood.”“Hahaha you think I'm stupid?” She replied.“Of course not. Watch me.”So I demonstrated with exaggerated action to, of course, push my PC's power button.……Then my PC's fan instantly started to make a whirling sound. My beautiful colorful LED start blinking. My house's lamp turned on. The entire neighborhood started to lit up. The electricity is back. I stood up. Looked at my wife who was in shock. Then I smiled and said.“What in the god's name just happened, babe? “We ran to our room, scared, hugging each other.Now that is the most f**king epic computer glitch I've ever seen.Is the story finished yet? Not quite.Having learned some basic electricity 101 in college, of course, obviously it was just a coincidence.Then some other day. Power went off again. Checked the neighborhood again. The grid is down. What a dark night.We went to our room again. I just decided to go to sleep, but my wife interrupted.“Darling, could you please do that trick again? I had to finish something by tomorrow.”“That was just a coincidence. Of course it won't work again.”“Well it doesn't hurt to try.”“Maybe this is temporary. Perhaps power will be back soon. I'm not going to try again and destroy my PC's legend.”So we waited a couple of mins. My wife then urged me to try it again. Then I give up. We went again in front of my PC. I pushed my PC button after doing that exaggerated action thingy.Then my PC went on. Lamp on. Entire neighborhood on. Power is back.I ran with my wife to our room, hugging each other.Now that is the most f**king epic computer glitch I've ever seen.
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Why does Satoshi Nakamoto prefer to remain unknown (or anonymous) despite coming up with the disruptive innovation?
Good question. My guess is either:Satoshi was a truly selfless individual who wanted bitcoin to remain consensus based.Satoshi is dead and is not really committed to anonymity; orSatoshi is actually a group of people. Probably including several of the likely suspects below. Although the original code may have been written by one person the language in chat rooms, message boards and even the white paper itself suggest many unique contributors. Given this vision there were also probabaly non coders/developers who helped distribute the idea and were essentially “the political advocates” who brought the code to the internet at large. These are likely some of the people listed below that I have seen referenced as “potential Satoshi’s” (although none of these leads ever panned out).In a 2011 article in The New Yorker, Joshua Davis claimed to have narrowed down the identity of Nakamoto to a number of possible individuals, including the Finnish economist Dr. Vili Lehdonvirta and Irish student Michael Clear , then a graduate student in cryptography at Trinity College Dublin and now a post-doctoral student at Georgetown University.In October 2011, writing for Fast Company, investigative journalist Adam Penenberg cited circumstantial evidence suggesting Neal King, Vladimir Oksman and Charles Bry could be Nakamoto.They jointly filed a patent application that contained the phrase "computationally impractical to reverse" in 2008, which was also used in the bitcoin white paper.May 2013, Ted Nelson speculated that Nakamoto is really Japanese mathematician Shinichi Mochizuki.Later, an article was published in The Age newspaper that claimed that Mochizuki denied these speculations, but without attributing a source for the denial.A 2013 article in Gawker listed Gavin Andresen, Jed McCaleb, Casey Botticello, or a government agency as possible candidates to be Nakamoto. Dustin D. Trammell, a Texas-based security researcher, was suggested as Nakamoto, but he publicly denied it. Casey Botticello, the head of the Cryptocurrency Alliance has refused to comment.In 2013, two Israeli mathematicians, Dorit Ron and Adi Shamir, published a paper claiming a link between Nakamoto and Ross William Ulbricht. The two based their suspicion on an analysis of the network of bitcoin transactions, but later retracted their claim.Some considered Nakamoto might be a team of people; Dan Kaminsky, a security researcher who read the bitcoin code.
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How do I make a PVT Ltd company in India?
How to register a company (Pvt. Ltd.)Pre-requisites1. Have paid-up capital of INR 1,00,0002. Have minimum of 2 directors/board members and two shareholders3. Have maximum of 50 members only4.Cannot publicly sell shares. Can only invite people to buy shares by issuing aprospectusStep1: Acquire DIN (Director Identification Number)DIN is a unique identification number for an existing director or a person intending tobecome a director of a company. As per a recent amendment to the Companies Act 1956, DIN has become mandatory for all the directors. DIN is unique and specific to an individual, therefore only one DIN is allotted per individual even if the individual serves as director at multiple companies. No fee is charged for issuing DIN. This process takes approximately 3 to 5 working days.Supporting documents required (soft-copies):1.Photograph2.Proof of identity3.Proof of residenceRegister on MCA website for login ID and password(create an account)I.File eForm DIN-11.Download eForm DIN-12.Fill the form3.Attach necessary documents4.Sign using digital signature5.“Check Form”6.Upload eForm7.Pay fees by credit card, debitcard, internet banking or cash/cheque at designated banks (State Bank of India, Punjab National Bank, Indian Bank, ICICI Bank, HDFC Bank) using the pre-filed challan that will be generated8.Note the Service Request Number (SRN) for later enquiries9.Check acknowledgement by email or through MCA portalII.Intimate approved DIN To your Company (within 30 days from date of approval)a.Download Form DIN-2 and printStep 2: Acquire Digital Signature Certificate(DSC):At least one of the directors should have a valid Digital Signature Certificate issued by the signNowing Authorities (CA) and approved by the Ministry of Corporate Affairs. The Information Technology Act,2000 provides for use of Digital Signatures on the documents submitted in electronic forms, in order to ensure the security and authenticity of the documents filed electronically. Every document prescribed under the Companies Act, 1956, is required to be filed with the digital signature of the managing director or director or manager or secretary of the company. Therefore at least one of directors must have a digital signature. Any person may make an application to the signNowing Authority for the issue ofa Digital Signature in such form as may be prescribed by the Central Government. Digital Signatures are typically issued with one year validity and two year validity. The issuance cost varies depending on the CA. Digital Signatures can be obtained within an hour.One can acquire his/her Digital Signature certificates from these government listed agencies like TCS, IDBRT, MTNL, SAFESCRYPT, NIC, nCODE Solutions etc.Step 3: Apply for the company to be registeredThis is the final major step in a registration of your company which includes incorporating company name, Registering the office address or notice of situation of office and notice for appointment of company directors, manager and secretary. And also regarding the take and pay for their qualification shares.Prerequisite for Virtual eFiling1.Install the following prerequisite software:Windows 2000 / Windows XP / Windows Vista / Windows 7 –Operating SystemInternet Explorere v6.0 and above, Google Chrome, Mozilla FirefoxsignNow from version 7.5 to version 10.1.4Java Runtime Environment (JRE –latest version freely downloadable fromwww.sun.com)2.Get yourself registered at the portal (www.mca.gov.in)3.Obtains a Director Identification Number (DIN).4.Obtain a Digital Signature Certificate (DSC).5.Broadband Internet connectivity or higher.6.A scanner (above 200 DPI) for converting the attachments in the PDF format.Steps:I.Fill Form-1A for obtaining the name for the company-onlineFor obtaining name for your new company, An application in Form-1A needs to be filed with the Registrar of Companies (ROC) of the state in which the Registered Office of the proposed Company is to be situated to ascertain the availability of a name along with an official service fee of Rs.500. You also have to provide the following information in the form.• Name of the proposed company (Minimum 4 alternative names, maximum 6).Indicate the order of preference. Ensure that the company name is in accordance to the guidelines of the MCA, and also ensure the name is unique and does not resemble the name of any existing company in India. The company name must end with the words ‘Private Limited’ or ‘PVT Ltd’. In order to have specific key words in the name such as corporation, International, Hindustan, Industries, India etc., the proposed company should satisfy a minimum authorized capital criteria.• Location of registered office of the proposed company• Main Objectives of the business of the company• Names and addresses of the directors• Proposed Authorized Share Capital of the Company• DIN & DSCSubmit duly filled form to the Registrar along with fee of Rs. 500.The Registrar shall intimate, within two to three days, whether the proposed name is available or not. If the preferred name is not available apply for a fresh name on the same application. The name made available by the Registrar shall be valid for a period of six months. In case, if the company is not incorporated within this validity period, an application may be made for renewal of name by paying additional fees. Otherwise the name approval process has to be repeated by submitting new application after payment of requisite fees.In about 10 days, the ROC will inform you about approval or objections. If there are any objections then ROC will suggest you with some available names and let you choose among them. If your company name is approved then you will receive a formal letter regarding the confirmation of the same. Keep the same which will be required during registration process of the proposed company.II.Prepare documentsAfter obtaining name approval from the ROC the following documents must beprepared to incorporate the company• Memorandum of Association (MOA) The Memorandum of Association is a document that sets out the constitution of the company. It contains, among-st others, the objectives and the scope of activity of the company and also describes the relationship of the company with the outside world.• Articles of Association (AOA) The Articles of Association contains the rules and regulations of the company for the management of its internal affairs. While the Memorandum specifies the objectives and purposes for which the Company has been formed, the Articles lay down the rules and regulations for achieving those objectives and purposes. It also states the authorized share capital of the proposed company and the names of its first / permanent directors. Professional help is to be sought in the drafting of the MOA and AOA, as it contains the governing policies, rules and by-laws of the proposed venture. The draft must be carefully vetted by the promoters before printing and stamping.The MOA and AOA must be signed by at least two subscribers in his own hand, along with father’s name, occupation, address and the number of shares subscribed for and witnessed by at least one person. Then the MOA and AOA are required to be stamped & filed with the ROC. A stamp duty is required to be paid on the MOA and on the AOA. The stamp duty depends on the authorized share capital and varies between states. Details of applicable stamp duty can be obtained from here. eStamping facility is now available via MCA’s portal. The document preparation process may take five to seven days.• Form 1 –providing details of promoters of the company• Form 18 –providing details of address of the registered office of the company• Form 32 –providing details of Directors, managers and secretaries of the companyIII.Submission of DocumentsSubmit the following documents to the ROC with the filing fee and the registration fee:• The stamped and signed Memorandum and Articles of Association (3 copies).• Form-1, 18 & 32 in duplicate.• Any agreement referred to in the Memorandum & Articles.• Any agreement proposed to be entered into withany individual for appointment as Managing or whole time Director.• Declaration of Compliance by an advocate or company secretary or chartered accountant or director, manager or secretary of the company• Name availability letter issued by the ROC.• Power of Attorney authorizing a person, on behalf of subscribers, any documents and papers filed for registration. The power of attorney should be given on Non-Judicial stamp paper of appropriate value and shall be submitted to the Registrar.After submitting these forms, once the application has been approved by MCA, you will receive a confirmation email regarding the application for incorporation of a new company, and the status of the form will get changed to Approved.IV.Payment of Registration FeesThe fees payable to the Registrar at the time of registration of a new company varies according to the authorized capital of a company proposed to be registered. Payment for the Registration and Filing Fee must be made by Demand Draft/Banker’s Cheque if it exceeds Rs.1000/.V.Obtaining Certificate of IncorporationThe ROC will issue a Certificate of Incorporation after careful review of documents submitted. Section 34(1) cast an obligation on the Registrar to issue a Certificate of Incorporation, normally within 7 days of the receipt of documents.A Private Limited Company can start its business immediately on receiving the Certificate of Incorporation.Check these documents before submission of a company:1.DIN of all those directors of a proposed company.2.DSC –Digital Signature Certificate3.Original copy of the formal letter issued by ROC regarding availability of Company name.4.Form-1 for incorporation of a company.5.Form-18 for situation or address of the proposed company.6.Form-32 for particulars of proposed directors, managers and secretary.Formalities to be followed while incorporation of a company:1.Obtain a TAN card2.Obtain a Permanent account number (PAN) from income tax dept. India3.If required: Documents obeying shop and establishment acts.4.If required: For foreign trade, Registration documents of import export code from Director General of foreign trade.5.If required: Registration documents of Software technologies Parks of India (STPI).6.If required: RBI approval for foreign companies investing in India and FIPB approval.7.Both Indian and foreign directors need to have valid Digital Signature Certificates from authorized agencies.For any further clarifications, please visithttp://www.mca.gov.in/MCA21/Regi...Thanks & Regards,Stay4u.
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How do I establish a private limited company?
A private limited company is the most common form of business entity in India. It is easy to maintain and raise funds, offers limited liability to its members, offer flexibility, easy bank loan accessibility.Read Advantages of Private Limited Company. Following are the steps involved in the registration of private limited company Basic requirementThere must be at least 2 members in the companyThe company shall be made for legal business and must not harm the society. The company object should not be illegal.In case, if the registrar issue the certificate of incorporation to such business entity , then certificate will be void and registration will be itself cancelled by the Central Government and appropriate proceeding will take place against the entity and the Registrar.Read in detail Pre-Requisites for Registration of Private Limited Company Step 1: Obtaining Director Identification Number (DIN) & Digital SignatureThe First step isObtaining Director Identification Number (DIN) for the proposed Directors in the CompanyObtaining Digital Signature for one of the Directors of Company.After this, application for name of Private Limited Company must be applied. Step 2: Applying for the nameThe promoters should propose one or more suitable name for the name of company as it offers the flexibility and choice to registrar to select the name in case some names are identical or similar to registered business entities or trademarkThe name should not be similar or identical to any registered company or trademark.The name should not be one prohibited under the ‘Emblems and names Act, 1950’.The name of company must have suffix “Private limited Company “.After submission of name, registrar will review and approve one of the name .It usually takes 3 to 5 working days to approve the name for company .Read tips for Choosing the right name for your company registration for easy approval of name by ROC.Step 3: Filing for Incorporation/Establishing of Private Limited CompanyAfter the name approval, promoters should submit the application, prescribed fees and below said following documents to the registrar.Articles of Association, if anyMemorandum of AssociationDeclaration from DirectorsAffidavits of the DirectorsA declaration stating that the requirements of the Act and the rules framed there under have been compiled with. This declaration is required to be signed by an advocate of the or Supreme Court or an attorney or a pleader having the right to appear before or a High Court or a Chartered Accountant in whole time practice in India who is engaged in the formation of a company, or by a person named in the Articles as a Director, Manager or Secretary of the Company.Besides the aforementioned documents, the company must provide relevant information regarding of its registered office within 15 days of registration or during filing of incorporation documents.Step 4: Subscribing to the Private Limited CompanyAs per the Companies Act 2013, a subscriber must sign their names and must be subscribed to the shares of the company incorporated. It means each subscriber must have at least one share of the company. Each subscriber should sign the memorandum in presence of at least one witness and must clearly state the following:AddressPersonal DescriptionOccupationNo of shares subscribedNature of shares etc.Likewise both (Article and Memorandum of association) must be duly signed and stamped.Step 5: Certificate of IncorporationAfter filing the above-mentioned documents and payment of necessary fees, the certificate for incorporation would be issued by the Registrar of Companies. Upon Incorporation, the company becomes a legal person separate from its members.The process to register a private limited is complex and time-consuming. Our team at LegalRaasta can help startups and Entrepreneurs Register Private Limited Company in 14-15 days @ 13,999/- only (inclusive of government fee) saving 40% compared to typical CA/CS
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Why have Ramsay brothers stopped making Hindi horror movies?
Hello, I've find an excellent article which will solve your query. I am copy pasting it here or if you want you can go with link. The requiem for Ramsay's horror | Latest News & Updates at Daily News & Analysis The disembodied zombies of the season’s word-of-mouth-hit, Go Goa Gone, can’t but remind us of the lords of horror in India — the Ramsay brothers, who entertained and horrified millions much before special effects and lifelike props made their once-scary monsters look like something the cat dragged in. Google the name ‘Ramsay brothers’ and a listing with all possible contact numbers and email addresses of Tulsi Ramsay, one of seven siblings that made up the Ramsay Brothers, pops up everywhere.It’s clear he wants to be found. A phone call to request an interview, and there is excitement in Tulsi Ramsay’s voice. “Yes! Of course. Do you know where I live?” He calls on the day of the meeting, to confirm if the interview is still on. “Sometimes, people forget,” he says, by way of explanation. At the lobby of the high-rise Ramsay lives in (where Hema Malini, Sunny Deol, Akshay Kumar’s mother and sister also have flats, he says), teenagers fan themselves while waiting for drivers to bring cars; a struggling actor, script in his hand, talks animatedly on the phone; a bunch of nannies take kids to the pool, and a production crew steps out discussing edits. Inside his 15th floor apartment, the almost 69-year-old Tulsi Ramsay sits in a corner of his cream, brown and gold couch, nervous. Very odd for someone who’s made it his business to scare others.Introduction to cinema“Are you speaking only to me?” he asks with hesitation. “Yes.” “Oh, there was a journalist who interviewed me and then went and spoke to others,” he says. He has next to him, an old, grey plastic briefcase from which he removes a document and hands it over. It’s an introduction to his production house, and his resume. Tulsi is clearly nostalgic about the good old days, with good reason perhaps. His father Fatehchand U Ramsinghani moved to Mumbai from Karachi after Partition and started an electronics business on Lamington Road. When the industry wasn’t doing too well, he started looking at the movie business. When his second film Rustom Sohrab (1963), a historical epic, did well, Ramsay Sr decided to stay in the business.But the Ramsays really took off in the ’70s and ’80s when they churned out their signature, low-budget horror films, most of which were panned by anyone with any sense of aesthetics. But that hardly mattered — the audience the films were intended for loved it. Discovering horror Throughout the three-hour interview, one gets the sense that Tulsi knows what journalists are looking for. He almost anticipates the questions and eagerly delivers one anecdote after another.He narrates one on how he and his brothers convinced their father to produce horror films.When FU Ramsay’s third film Ek Nanhi Munni Ladki Thi (1970), starring Prithviraj Kapoor, didn’t do very well, brothers Tulsi and Shyam visited a theatre to gauge the audience’s reaction. That’s when they realised a 10 minute sequence in which Prithviraj Kapoor went to a museum to steal a dagger that belonged to his ancestors got the loudest cheers. In the scene, the actor wore an elaborate costume comprising eight inch boots, a scary mask, a cape and a furry costume inside which he was wearing an armour. “He looked just like a monster. When the police shoot at him, the bullets bounce off and people around look shocked and scared. The audience loved it,” says Tulsi. The brothers then convinced their father to focus on horror.Tulsi drops names of the famous stars who he worked with. “Shatrughan Sinha started out with us in Ek Nanni Munhi Ladki Thi. Kishore Kumar loved our films. He would have a lot of fun in recordings. Once, he came to the studio with fake vampire teeth and refused to take them off till the end of the recording. Another time, we went to his house and he refused to come out and was making scary sounds instead.” Those were the times when Rekha would visit the sets in Mahabaleshwar, where most of the films were shot. “Rekha would come just watch Kiran Kumar.They had a romance going, he was so handsome, so attractive. Now, she is still so glamorous and he is an old man,” laughs Tulsi.After the high of the ‘70s and ‘80s, Ramsay produced five shows for Zee TV. The insanely popular Zee Horror Show ran for seven years with record TRPs. But now Tulsi’s clearly hungry for another break. When he realises dna is part of the Essel Group that also owns Zee, he insists we write about his association with Zee and Subhash Chandra, chairman, Essel Group and Zee. “You must write about Subhashji and my association. He was a mastermind, I tell you. If you do, the story will go big,” he says, helpfully.At their peak Talking about the Ramsay focus on horror, Tulsi states the obvious: “It (horror) was our USP. We started it. People lapped it up. It’s what made us. There was sex, drama, songs in between the horror.” He narrates an incident in which one of their most popular films gave a big-budget Bachchan film a run for its money in the early ’80s. “Our cult film Purana Mandir released on the same day as the big budget Bachchan (Amitabh) starrer Laawaris. We were in Delhi then and we saw people lining up for our film. No one wanted to watch Laawaris. We couldn’t enter the theatre to watch our own film. Indira Gandhi was killed few days later and there was a bandh. Two days later, theatres were packed again. It was the second biggest hit of 1984,” he says. The success of their films at the time is still paying off. “It still runs our kitchens,” says Tulsi.The fall and the hunger to rise The lull came because of an overkill of Ramsay-style horror. “People overdid it. After us, several people started to make bad horror films and every channel picked up the horror show idea. The audiences got sick of it.” But has he retired yet? No, he quickly responds. “I am going to start a project in a month or so. But I won’t tell you details. People nowadays copy your ideas If I tell you now, tomorrow someone will shoot it in two days and it will be showing in a four-part series on some channel,” he says. His phone rings in between, he answers and says, “I can’t talk right now.I am in a very, very important meeting… No, no, you don’t get it. Yeh bahut zaroori hai mere liye, aap kal phone karna.” He hangs up and says: “I want to go out with a bang. I want to be remembered.” “Will you let me know when this will be out? This Sunday? I’ll buy some extra copies. Thank you for your time,” he concludes, looking relaxed for the first time in three hours.What’s in a name?Fatehchand U Ramsinghani ran an electronics store in Karachi before Independence. He was a radio engineer and foreigners who visited the store mangled his surname. “My father then realised that foreigners had a problem pronouncing Ramsinghani and changed his surname and the name of the shop to Ramsay,” says Tulsi Ramsay.Radio dealers to movie makersFU Ramsay moved to Bombay after Partition with his wife and four sons and two daughters. Three more sons were born in India. Ramsay Sr re-established his shop on Mumbai’s Lamington Road and became a dealer of the famous Murphy Radio. When the electronics business was doing badly, he decided to give the movie business a shot. He co-produced Shaheed-E-Azam Bhagat Singhin 1954. It was India’s first film on the martyr but it didn’t do too well. “India had just gained Independence and people didn’t care much about Bhagat Singh,” says Tulsi. His second film, Rustom Sohrab (1963), was a historical epic. It did well and Ramsay Sr decided to stay in the business.All in the familyIn the 1950s, to be part of a film crew, one had to be a member of the film workers’ union. “So my father decided to enroll us into the union keeping in mind our interests and talents,” says Tulsi Ramsay. Gangu was a good photographer so he was enrolled as an assistant to a cinematographer, Keshu assisted Gangu. Kiran liked music, so he got to be the sound assistant, and Kumar, “a double graduate,” was the screenwriter Shyam and Tulsi were directors and Arjun worked on edits. The crew of seven brothers were then recognised as the Ramsay Brothers.Tiffin box productions FU Ramsay wanted to train his sons in all aspects of filmmaking. So he took them to Kashmir for a workshop. “We hired a houseboat on the Jhelum and held a four-month long workshop where our father trained us in various aspects of filmmaking. We read books, discussed plots and practiced cinematography,” says Tulsi. Post the workshop, the brothers set out to do what was then unheard of in Indian Cinema. They boarded a bus with unknown actors and family members who doubled up as crew and went to Mahabaleshwar to shoot Do Gaz Zameen Ke Neeche. They lived in a government guesthouse and shot on location so they saved on the cost to put up a set.The ladies in the family cooked for the crew and helped with make-up and the costumes came from their own or the actors’ wardrobes. The film was shot in a 40-day schedule. “My father called it Tiffin Box Productions. He said jab ghar mein khana bana sakte hain, toh hotel se kyun mangayein,” says Tulsi. The film was a rage at the box office and the brothers repeated this model to make over 30 superhit films.Regards,
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What should be my next step for a fraud transaction on my credit card?
I have been in a similar situation as you and hence I would like to narrate to you the things I faced. But before that let me tell you few pointers that you need to keep in mind. If you are in India and reporting this then you will have a really difficult time proving you have not done the transaction. Indian banks do not do any study, or investigation, and have very smartly put a clause somewhere in the terms and conditions of the credit card which says, “in case of a fraudulent transaction, no payment needs to be done by you (the consumer) after you have blocked/hotlisted your credit card with us” or words to that effect. Though this rule sounds fair, it is a very rare case that it would happen. The banking systems are electronic and instant, once the card has been blocked it is impossible to get it working or swiped or shopped etc, unless the person who’s stolen your card is a big time hacker, OR the customer service exec who took your request to block the card is someone who does not know how to do his work OR if the electronic computer system itself has some glitch or flaw. All these instances have a very low probability. Indirectly the bank says, that you have to pay for any transaction even if it is a fraudulent one. The only way to escape this pathetic rule is to get the investigation started from your end by employing a lawyer and putting up a case in the police station. You would have to weigh this smartly, if the money you spend on the investigation is more than money you owe (65ks), it wont be worth it (in terms of finances). But if you are keen on going with the truth, then you will have to spend money and time and energy and in the end I believe you will succeed.Now, coming back to my case. This happened to me in August 2009, where my HDFC bank credit card fell down while I was travelling. I never noticed until 3 days later. I called up the customer service and asked them if there was any transaction made, to which they replied that my card was swiped twice, for an amount of Rs. 12000 and Rs. 7000. I quickly asked them to block the card. This was during the time when the credit card were without the “CHIP” system, which means you didn’t need a PIN to shop with this card at any merchant outlets. Also, the shops do not cross verify the signature. All these were points against me. I went to the police station and lodged an FIR and sent HDFC credit card dept all my documents. They replied with a template ready letter stating the clause which asked me to pay. Even after several letters back and forth, they kept giving me the same response. I never paid though. After about 6 months, they added all the late fees and stuff and the total amount came to about Rs. 25,000/-. The next thing they did is they blocked this amount from my salary account in HDFC bank and took away this money. They did this according to some clause again mentioned in the terms and conditions which says that in case of non-payment for a period of 6 months, they have the right to block your amount from the same salary account (since the credit card was HDFC and my salary account was also with HDFC) and take it away. It was really disappointing to see this behavior of the bank. During that time I read online about what happened in such cases in the United States. It seems the banks investigate the situation and if there is indeed a fraudulent transaction then the banks do not ask the customer to pay. I can’t say this for certain as the source was not a reliable one.It also, starts reflecting in your CIBIL profile. I was never given another HDFC credit card for as long as 7 years. But because my CIBIL score was above 850, I got all other credit cards from other banks after that incident, (except from HDFC), I also got several other loans approved and paid them back on time. Today 1st August, I received an HDFC credit card once again (after 7 years) as CIBIL refreshes data after every 7 years. I only took it as I’m an online shopper and HDFC bank credit cards has certain perks. I’m sharing this with you, so that you are aware of what can come your way in the future. However, if rules have now changed I do not know. All the best to you though.EDIT: I just noticed that the rules haven’t changed. The conditions and clause remain the same. Check the screen shots. This is as per the rules and condition that I received today along with my HDFC credit card.Update: I just checked out ICICI bank’s terms and conditions and it is almost the same as HDFC Bank’s. They will not take any responsibility if your card has been swiped without your knowledge. And only after it has been blocked will they take responsibility.The only difference I found was of IndusInd Bank credit card that did not display such a rule. Instead they will in turn claim insurance as their cards are insured, so its upto this insurance agency to carry out the investigation. Which according to me is a good thing. Check the image below.Hope this helps.
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What would China be like today if the Nationalists had won the Chinese Civil War?
Let me inject my little humble experience with the Nationalist military—no exactly answering your question, but may provide some insight to the Nationalist government’s downfall.The Nationalist government withdrew to Taiwan in 1949, telling its own people that it was a temporary tactical maneuver and that we would soon counter-attack and retake the homeland. I was brought up in such belief. In all honesty, that was the only belief around—or rather, allowed.In 1967, 18 years after the KMT-CCP civil war, like all my contemporaries at the time, I began my military service as a platoon leader in the Marine Corps right after college (sort of ROTC-like officer in the US). When I first reported to my company with much apprehension, I felt no welcome—or rather, I was made to feel like an outsider. Without saying a word, a master sergeant handed me my uniform and placed my civilian clothing in a bag. I noticed he never bothered to solute, as I was made extremely conscious that respecting rank was an utmost important way to keep the military discipline, regardless personal feelings toward the person who happens to out-rank you. I sort tried to understand how a fifty-some-year-old master sergeant would feel when he had to salute to a young kid thirty years his junior, but, again, I did not invent the rules.I was shown to my tiny officer quarter. The place was already occupied by another officer and he grudgingly cleared out the upper bunk bed for me to crawl in. I considered myself lucky: comparing it to the open double-deck sleeping arrangement during my boot-camp days, it is a private mansion.On the same evening, I saw my platoon the first time. An unhappy—very very unhappy indeed— old sergeant named Li who had acted as the substitute platoon leader rudely summoned the thirty-some skeptically looking young conscripts and reluctantly transferred his command to me. I knew even then from the looks of the young troopers that the old fellow Li would not give up his power without a fight. I kept my posture and introduced myself briefly to the troopers and told the sergeant to dismiss the squad and let the guys rest early. Soon after I turned my back I heard the old sergeant begin barking at the conscripts and kept rambling, shouting out a long tirade about discipline, honor, and duties, which I considered completely irrelevant. I was torn between stopping him from the nonsense volley for the sake of the troopers and keeping the protocol which gave him the prerogatives as a sergeant to bark on. I backed off from the direct confrontation with Li, not a pleasant first day in the service.No sooner did I report to duty than the company was given the order to march out with full gear, with the M2 for foot soldiers, a carbine for sergeants and the .45 caliber pistol for officers. I never shot a 45 pistol but it felt good, I had to admit. We were not told where to go, or what to do or what to expect. I overheard the soldiers mumbling that since no live ammunition was dispensed so that must be good, meaning at best just an exercise of some sort, unlike two years before when live ammunition was dispensed and with all communications with outside cut off did they all break out in tears, realizing something bad was going to happen. Fortunately, I was later told, the mission was scuttled as the first ships entering Xiamen Harbor was intercepted and the entire crew was captured.We marched for hours to get on a gigantic transport ship in ZhoYin. That was quite a sight to behold: hundred and hundred of us jammed on every single square inch on deck, and the loud growling landing ships (LTV) belched heavy diesel fumes rammed into the lower deck. Soon we set sail. It was a calm but queer night; overhead, the Milky Way easily fit into your hands as the transporter was kept intentionally in the pitch darkness. Soon its swaying motions started to its tolls on the conscripts: many began to vomit, and understandably, all toilets soon turned into hell.That was a sleepless night for the most of us, and as the shimmering dawn came we could slowly make out the silhouette of the coastline. Yes, the land! No more sea sickness! The alarm sound could not come a better time as the navy guys come on deck to collect and shove us exhausted marines to the LTVs below. But the sea wasn’t as kind and the surfs were punishing. With propeller-powered bomber roaring above and the iron “water ducklings” humming in all directions, you don’t need to be told that one misstep and you are doomed. Yes, it was like a war game, but somehow I reminded myself that we were all in uniform and if the war did come, we are the most sought-after targets.The LTV ride was proven too short; soon the reality hit home: what happens after we land—this can’t be just a Disneyland ride?No one ever briefed me on the maneuver, nor did anyone bother to inform me of the exercise plan, and here I wore the badge of the platoon leader and I had not even got a map! Could the old sergeant Li keep away the info from me? Before I could collect all my thoughts, we were shoved out of the landing craft by the navy guys. Suddenly, I found myself sinking into the wet sand with twenty-some pairs of eyes looking straight at me for further orders. In front of me was a steep hill covered with thorny bushes, above me was the glaring sun, at the corner of my eyes were a group of mean-looking inspecting colonels and majors dripping white foams at the mouths. I couldn’t hear what they were yelling but my instinct told me that something does not bode well and it would be a foolish attempt trying to carry out a civilized dialogue with these people. So I instantly barked out and took my troopers to run away from the mean-looking convoy, yes, all the way deep into the hills—where no one could get us.Once in a while, I have nightmares over this incident. Clearly, that was an absolutely unprofessional way of handling a military maneuver. I cannot imagine what if that were a real military exercise any the junior officer was not even given a minimum instruction, map, schedule, or destination of the mission and the point of rendezvous. I hardly knew any of these young conscripts in my platoon, let alone the constant usurper Li. They could just easily skewer me on the rack, hang me out to dry, or push accidentally send me down to the hillside?This was in 1967. I can only guess the situation had to be ten times worse then during the Chinese Civil War.Anyway, we were drifting from hill to hill, avoiding the inspecting convoy; occasionally we met other groups who were just at a loss as we were. Loss of sleep and hunger began to take a grip on us and thirst became unbearable thanks to the unrelenting sun. I told the troopers to recuperate in the shade, waiting for instructions over the radio. The old US-made radio, a leftover from the WWII era. cracked and squealed out sporadic firecracker sounds and decided to die suddenly. The communication soldier tried desperately to resuscitate the machine by cranking the handle incessantly, but to no avail. So radio dead on all fronts, none from the company, the battalion or the regiment. We were alone!I figure that at the time, 18 years after the Chinese Civil War, hardly any one in Taiwan had any experience with anything mechanical or electronic in nature, driving was a luxury, and electronic communications were nonexistent. I could only imagine what was like 18 years before then.Lunchtime has elapsed, still no instructions of any sort from anywhere. It was near 1;30 pm came the vociferated fiery furies from the the loudspeakers by the regiment commander who few had ever met; “You can come out now, you useless cowardly bunch. You can now get off the mountains and have your lunch. Remember, if this were a real war, you would be all be dead by now.” Thank you, commander, for the encouraging words, and thank you for the lunch because we really need it. Note: this was in 1967 during peace time; how could the the similar scenario turned out 18 years ago when supplies in dire deficiency, morale low, and corruption was rampant? Did many have to kill one another for food, and drink one another’s blood to quench the thirst?Despondent and injured, I collected myself and took my platoon down the mountain paths where we met many other equally dispirited groups. In the fleeting exchanges of silent glimpse we secured the minimal pride we each sought for: no, we are no coward, we are simply the victims of the circumstances. My platoon was not reprimanded for getting lost in the exercise; the likely reason may be every single platoon, every single company was lost in the landing chaos. Of course, lunch was not meant to reward us cowards and us the fainted-heart, the regiment commander kept up with his bombastic delivery: “ You think you deserve the meal? No, you’re wrong, no one owes you the meal. You left a shameful mark on the regiment’s proud record by acting like a bunch of imbeciles. To make sure you remember your ineptness, you will begin your forced march right after lunch. For those who think they deserve a regular afternoon nap, well, you are wrong. You will march on, and you will retrospect on what you had done while you are marching. “Our fearless commander’s remonstrance clearly felt on deafears: most reaction to it was —well, damn, not even a nap! The forced march did not go well indeed as the already-exhausted troopers struggled to carry the heavy M2 rifle, the light machine gun and bipod, or the 60-mm motor component and marched in the searing heat and the murderous humidity. The first to drop out of march was Sergeant Li, and Li and other old sergeants were picked up by the supply trucks and piled up like corpses. Finally, I had my entire platoon back as all the old sergeants were gone. But the worse just began to unfold: a typhoon started unleashing its might with lashing thunders and pouring rain. A machines gun carriers felt and vomited in convulsion. I stopped to check on him but was stopped by the MP with a deadpan look in his face that the march could not be interrupted by one fallen man. The downpour seemed to produce a bizarre and hypnotic effect on me: in trying to block off the bewailing drench and gnawing fatigue, the mind began to retrograde to some of the most esoteric questions I had considered in life: “should Lady Chatterley’s lover be blamed for her decadence”, ‘why did I get such a thrill reading a banned like this?”, ‘was Freud serious when he spoke of women’s penis envy”, ‘how the homo sapiens species came to be so much alike”, or “are love, procreation, and testosterone the same thing?” Somehow, they kept my mind occupied, and kept the seemingly surreal world away from my desperately needed sanity. Was that a self-defense mechanism in full swing? i would never know.That was a long march alright. After the drench came the sweltering sun. many troopers resorted to replenish their empty canteen with water from the rice paddies. I thought about the parasites in the water but was helpless in providing alternatives. Finally we settled into an elementary school before midnight. The school field was flooded but our order was the same: set up the tent for the night. Surely the troopers set up their tents in the soggy field but all chose to collapse on the hallway, and slept in every dry corner of the school. Surely I needn’t mention the fouls from the school’s overflown toilets.The school was still on summer break so we spent a week to recuperate. On the second evening I sensed some disturbance by an unusual gathering of men in a shadowed corner of the school. in the dim light I made my way to the front of the muted and intense crowd, where I saw a scene has haunted me up to this date— a gasping conscript with a contorted face in a push-up position, heaving himself desperately away from an upward pointing dagger planted directly below his abdomen, his vein swollen, his body dripping with bead-size perspiration, and all these under a gleeful eye of an old sergeant. Someone murmured out an expletive…,”Just because he refused to obey the old guy’s order?” Another echoed with an F-word…” I will kill the old SOB when the right time comes.” Others remained hushed—there might be ears among us?On the second evening, I was drawn to a small crowd that gathered around a small windowless hut that was used as a makeshift toilet. Apparently, the toilet was locked from outside. An old sergeant appeared and ordered the door be unlocked. Soon a barely wiggled body was dragged out, obviously poisoned by the foul fumes. His unconscious body was quickly carried away by his comrades and again came the hateful murmurs among the crowd. I was struggling with my conscience on just what I had to do without “rocking the boat’ of strict discipline. I conjured up a plan, and I knew it was risky. I had no friends in this god-forsaken place, and as a junior officer, I had no voice. Tormented constantly by my inaction, I decided to take a reasonable rick to change the intolerable cruelty of abuse in the name of discipline. Thanks to the Sherlock Holmes stories I read as a child, I painstakingly scribbled on the back of an ordinary white wrapping paper with my left hand: “Stop turning a blind eye on the illegal physical abuse on the conscripts or else….” Carefully I wiped off any possible finger prints and slipped the note under the doors of the regiment’s political commissar. The abuse did abate for a while and I did not know whether that was due to my doing.it is a common knowledge that the old sergeants were drafted against their wills when the KMT government fought against the CCP in 1940’s. Most of them are illiterate and consequently it was unlikely they could eke out a living outside of the military compound, especially none could utter a word of the local dialect, the Taiwanese. The company commander was one of the very few who could read and hence managed to rise to the rank of major. Understandably he resented the intrusion by the first college-graduated officer assigned to HIS company, me, guardedly, if not with disdain. The uneasiness manifested itself from time to time, and I guessed that it must be killing him to have to constrain himself in dealing with my first request for leave: “ What the FXXX, you need to take a leave for taking the GRE exam?”, “What the Fxxx is GRE? And why do I have to approve it? “,”So you have the approval paper deemed by the DOD , then what the Fxxx do you want me to sign this damn leave paper?” Of course, he did not know, the GRE request was only the beginning of my many many requests to come, then the TOEFL, then the DoE’ overseas-study qualification exam…. I felt sorry for the old man as his turf was trampled over by an young officer who aspires nothing less than seeing the world, abandoning his sacred duty of counterattacking the mainland. The sorry-old commander punctually disappeared for two days after the payday. I heard through the grapevine that he was a regular of a brothel in Kaohsiung City. That did not surprise me as most old sergeants would disappear in synchrony with the payday. Once the old commander was forced to stay put due to some unscheduled inspection exercise. The entire company fell into the victim of his unsettling wrath. He ranted incoherently for hours, blaming everyone for everything under the sun. In the midst of lunch, he rose suddenly, baring his teeth—everyone froze— dramatically he held up his rice bowl and trashed it on the ground. “What the Fxxx is this, you called this food?, “Get me the hands in the kitchen and have them report to me immediately….yes, at right this moment!” And he looked at me in a strange frown, I guess that meant either “life would be so good without you being in my sight” or “go take a hike, can’t you see I am still the reining king here?” I did not finish my meal either, not because of the food. I did not know what valuable service I offered to my country…or I did so by simply being a nuisance in a changing world?Among all the capriciousness came a handful of personal triumphs and a few bitter-sweet moments. Slowly and steadily, I won the trust of my young conscripts most who could neither read nor write. I became their only means to communicate with their loved ones back home: by writing some of the most intimate letters in life: “Dear A-lien, I can not come home this weekend because it takes five hours to travel one way, and the buses are often jammed. please go to my home and make sure my parents know I am okay here.”, ‘Dear Mom, this is your son Way-Ho. We now station in Che-Chen, a small town in Pin-Dong County, a hard-to-get-to place. So I don’t think I can get home until the Chinese New Year Break. Please take good care of yourself, and wait until I return to plow the field.” “Dear A-Mi, how are you. I think of you often. Did I tell you we have a new platoon leader? He is a nice man and he offers to write this letter for me. I am thinking to invite him over to our wedding the next year. Oh, did I tell you he is a college graduate? He also doubles up as our marching song teacher at the request of the political commissar from the headquarters. Also, because he was so good at many things, he began to teach us the Chiang Kai-Shek ‘s speeches as well, and he is very good at it, and he often makes us laugh.”, “Dear father, with great respect from your son, I am serving my military duty, and I follow the orders of my superiors as you always told me. Last time you said you had a backache, I hope you feel better now. do worry about the chicken flu. Just salt them first and sell them in the market. If you charge less, people will buy it no matter what. Oh, we won the military marching song contest last week, thanks to our new platoon leader who taught us how to beat our competitors; by singing as loud as possible, showing the spirit, never mind the tones, he said….”One quiet Sunday afternoon, I had an unexpected visitor: the old sergeant Li who tried to usurp my authority as the platoon leader. It was the first time he looked so respectful and subdued. I asked him to come into my tiny quarter and offered him the only chair in the room and some water. “Can I help you?” I asked of him. He began to blush and stammered, “I was wondering, Sir, if you can do me a big big favor?” I immediately sensed it must be something extraordinary but I held back my anxiousness less he should back away from talking. “You see, Sir, I left my home in Sun-Dong for twenty-some years and I have always worried about my families back home.” He paused and took a calibration on my reaction to decide whether he should continue his delivery. I knew exactly what he was about to say; back then, anyone suspected to have communicated with the mainland Chinese can be rounded up as a communist spy or sympathizer and can be punished by death. No small matter, this man is trusting his entire life on me. He went on and begged me to write a letter on his behave, telling his families that he is alive and well. “I heard that you are going to America in a few months. When you get there, would you please mail this letter to this address in China for me. Oh, I have managed to save up some money for this date. Please convert it to the US money and sent it to them? It’s not much, but that’s all I have.” His voice turned hoarse and his face buried under his weathered hands. He insisted I took his money and before he left he hesitated for a couple of seconds before he uttered the final words between us: “I wish to tell you how sorry I am when you first came. I don’t deserve to hope to see you again.”A few days before my discharge, I was summoned to the political commissar’s office in the regiment’s headquarters. “Lieutenant Yang, come in.” he was a lanky fellow in his late fifties, with a hawkish look and a easy disparaging smile. “ I have looked over your service record and found blemishes that can easily stop you from getting a passport for studying abroad, you know what I meant? ” I stood in attention and desperately stayed calm, knowing this man alone could derail my entire aspiration to see the world, especially the big world outside of this tiny island. “No, Sir, I thought I had helped to teach political courses and our regiment scores high on the tests.”. He smiled broadly and said, “Now stop beat around the bush; I know you are smarter than that, and I am not just talking about your lukewarm attitude toward slogan chanting during the morning roll calls either.” “Sir, I can explain….” He waived to shut me up and officiated his verdict,”Indeed, your contribution to elevating our regiment’s test score by two notches makes you a net contributor to the military, and I congratulate you for earning your honorary discharge. Just sign your name here and you will be a civilian in no time.”I was a bit startled by the need for enacting such episode, but I still signed in earnest, hoping I never have to see him ever again. But I was wrong; he took his time checking my signature and glared at me dispassionately, “Lieutenant Yang, you have a smart handwriting indeed.” before I collected my self in disbelief , he pulled out his drawer and handed me a piece of white wrapping paper, “ I think this paper should go back to its rightful owner.” It was his final words. And yes, that was the paper I wrote with my left hand. Yes, the ink of my fountain pen gave it away, which Sherlock Holmes never taught me. Still, the old man is cool.Why do I write this story, and is there any relevance to the question of what would happen if the nationalists won the civil war? My answer is; never mind the question. Let the past die! KILL IT if you have to. ” (copyright disclaimer—Star War)Many Many innocent Chinese died; many many families dispersed, many many lives were wasted during the Chinese civil conflicts. Do not glorify the overly fabricated history. Learn from the past we know and look ahead, never make the same mistakes again.
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