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Wednesday, August 21, 2013

Online RTI application & payment of online fees!



Press Information Bureau 
Government of India
Ministry of Personnel, Public Grievances & Pensions 
21-August-2013 18:33 IST
Narayansamy Launches RTI Online Web Portal 

Union Minister of State for Personnel, Public Grievances & Pensions and Prime Minister’s Office Shri V Narayanasamy has said that rtionline web portal is another milestone in the regime of RTI that will further promote participation of our citizens in the process of governance and policy making decisions of the Government.Speaking at the launch of the portal in New Delhi today he said though presently this facility has been provided to Central Ministries, DoPT will consider extending this facility to the subordinate and attached offices of Central Government also. The Minister also appealed to the State Governments to consider developing similar facility of filing online RTI applications. Referring to the RTI Act as one of the biggest achievements of our democracy, Shri Narayansamy said that it has empowered the citizenry in an unprecedented manner to participate in nation building by promoting transparency and accountability in the working of every public authority.

The rtionline web portal has been developed by National Informatics Centre (NIC) at the initiative of Department of Personnel and Training. The url of this portal is https://rtionline.gov.in.

This is a facility for the Indian Citizens to file RTI applications online and first appeals and also to make online payment of RTI fees. The prescribed fees can be paid through Internet banking of State Bank of India and its associate banks as well as by Credit/Debit cards of Visa/Master, through the payment gateway of SBI linked to this site.This facility is available for all the Ministries/Departments of Govt. of India.

This system provides for online reply of RTI applications/ first appeals, though reply could be sent by regular post also. This system works as RTI MIS also. The details of RTI applications received through post could also be entered into this system. The citizens can also check the real time status of their RTI applications/first appeals filed online.

Friday, April 12, 2013

SIX FREE DOCTORS



Ever heard of SIX FREE DOCTORS,
whose advice is most crucial to a healthy life style?
but we do not pay any heed to it ? as there are no visiting fees!
Therefore their value is unimportant!
These are :
1. SUNLIGHT:
The sun says, spend a little time with me while reading, exercising, listening to music, meditating, even chatting up with friends - do it with me! Just you and me, cause I am your BEST friend.
Physically and metaphorically Sunlight is beneficial to all. Giving light, its best, to everyone, regardless of caste or creed.
2. WATER:
6-8 glasses of water in a day, replenishes all the liquids of the body. And H2o is oxygen to every cell in the body. Our body thrives on fresh water. It is the greatest detoxifying agent ever produced. And it is FREE!
3. AIR:
Your Prana Shakti - Life breath! Just being aware of your breathing for a little while, invigorates every cell in the body.
PRANAYAM ( deep breathing ) - is a must, to exhale all carbon and take in all oxygen, in a clean and open environment.
It is a luxury today to breathe fresh air. Do not neglect this.
Holding a breath and then releasing it, clears all the diseases in the body.
4. DIET:
After consuming 3 of the 5 natures elements (Ether, Water, Air, Earth & Fire) get to the natures produce.
Vegetables & fruits.
The Lord has provided plenty of choice. No need to be a Vegan, but the amount of cleansing the vegetables and fruit does to the system is amazing!
The enzymes thus produced protect every cell in the body. Proteins are present in lentils and yogurt too.
Too much meat takes away 70% of the energy to digest it. So be moderate. We are basically herbivores and not carnivorous - by nature.
5. EXERCISE:
How can anything be consumed without the corresponding arrangement to digest the same? The body must move. Walking can be a good form of exercise!
But stretching the body is very essential. Starting from bed , when waking up and then being physically vibrant through the day.
Household work is NOT an exercise, it’s a chore!
Exercise in a proper state of mind and not under stress or duress. Relaxation is the reason for exercising a healthy state of mind. Exercise alone and not rushing!
6. REST:
Last but not the least the 6th doctor is REST!
None of the above is possible without enough sleep, relaxation and rest from meetings a deadline!
Rest is the most important factor which gives impetus to all other 5!
So do not neglect it. Resting with beautiful, positive and creative thoughts is of course always recommended.
If you have negative thoughts, keep slogging, so you do not have the time to nurture them.
When resting have all the positive thoughts, nourishing thoughts, the foremost being Thanksgiving to the Lord, followed by love
and compassion towards all the relationships you encounter - choicelessness in

Monday, February 25, 2013

A Story of Appreciation - must read


This is a powerful message for our modern society. We seem to have lost our bearing & our sense of direction. One young academically excellent person went to apply for a managerial position in a big company. He passed the first interview; the director did the last interview. The director discovered from the CV that the youth's academic achievements were excellent all the way, from the secondary school until the postgraduate research, never had a year when he did not score.
The director asked, "Did you obtain any scholarships in school?"
The youth answered "none".
The director asked, "Was it your father who paid for your school fees?"
 The youth answered, "My father passed away when I was one year old, it was my mother who paid for my school fees.
The director asked, "Where did your mother work?" 
The youth answered, "My mother worked as laundry woman. 
The director requested the youth to show his hands. 
The youth showed a pair of hands that were smooth and perfect.
The director asked, "Have you ever helped your mother wash the clothes before?" 
The youth answered, "Never, my mother always wanted me to study and read more books. Furthermore, my mother can wash clothes faster than me.
The director said, "I have a request. When you go back today, go and clean your mother's hands, and then see me tomorrow morning.
The youth felt that his chance of landing the job was high. When he went back, he happily requested his mother to let him clean her hands. His mother felt strange, happy but with mixed feelings, she showed her hands to the young man. The youth cleaned his mother's hands slowly. His tear fell as he did that. It was the first time he noticed that his mother's hands were so wrinkled, and there were so many bruises in her hands. Some bruises were so painful that his mother shivered when they were cleaned with water. This was the first time the youth realized that it was this pair of hands that washed the clothes every day to enable him to pay the school fee. The bruises in the mother's hands were the price that the mother had to pay for his graduation, academic excellence and his future. After finishing the cleaning of his mother’s hands, the youth quietly washed all the remaining clothes for his mother. That night, mother and son talked for a very long time. Next morning, the youth went to the director's office.
The Director noticed the tears in the youth's e yes, asked: "Can you tell me what have you done and learned yesterday in your house? " The youth answered, "I cleaned my mother's hand, and also finished cleaning all the remaining clothes'
The Director asked, "Please tell me your feelings."
youth said:
1. I know now what appreciation is. Without my mother, there would not have been the successful me today.
2. By working together and helping my mother, only I now realize how difficult and tough it is to get something done.
3. I have come to appreciate the importance and value of family relationships.
The director said, "This is what I am looking for to be my manager. I want to recruit a person who can appreciate the help of others, a person who knows the sufferings of others to get things done, and a person who would not put money as his only goal in life. You are hired.
Later on, this young person worked very hard, and received the respect of his subordinates. Every employee worked diligently and as a team. The company's performance improved tremendously.
A child, who has been protected and habitually given whatever he wanted, would develop "entitlement mentality" and would always put himself first. He would be ignorant of his parent's efforts. When he starts work, he assumes that every person must listen to him, and when he becomes a manager, he would never know the sufferings of his employees and would always blame others. For this kind of a person, who may be good academically, may be successful for a while, but eventually would not feel sense of achievement. He will grumble and be full of hatred and fight for more. If we are this kind of protective parents, are we really showing love or are we destroying the children instead?
You can let your children live in a big house, eat a good meal, learn piano, watch a big screen TV. But when you are cutting grass, please let them experience it. After a meal, let them wash their plates and bowls together with their brothers and sisters. It is not because you do not have money to hire a maid, you want them to understand, no matter how rich their parents are, one day their hair will grow gray, same as the mother of that young person. The most important thing is your children learn how to appreciate the effort and experience the difficulty and learn how to work with others to get things done.


Tuesday, February 19, 2013

GROWING OLDER IS MANDATORY. GROWING UP IS OPTIONAL.!!


Hope for a Comprehensive Fix for RGESS Flaws



The Rajiv Gandhi Equity Savings Scheme is convoluted and cumbersome, but the government looks likely to fix the problems for next year...
Over the last few weeks have been somewhat eventful for the Rajiv Gandhi Equity Savings Scheme. One, the scheme itself is well on its way with a number of RGESS-specific mutual funds now available. Equity investments under the RGESS are also operational with some brokers actively canvassing for investors. Last week, the finance minister also participated in a function launching RGESS investments through the BSE with the first clutch of investors being handed shiny RGESS certificates of some sort that they held up triumphantly while posing for photographs.
While the RGESS is definitely a step forward, being the exclusively equity-oriented tax-saver in a long time, it is also clearly a work in progress. The scheme is convoluted and riddled with needless complications. One example: while you can invest in mutual funds under the scheme, you must do so through your demat account, for some reason that has never been made clear. Now, it so happens that of the three possible methods of fund investing--direct, distributor or demat—the last is the most cumbersome and the least popular. But the RGESS makes it compulsory, as if the goal was to get people to open demat accounts.
However, such as it is, it’s still a way of saving Rs 5,000 of tax if you have never invested in stocks before. But remember, if you are being pitched an RGESS investment by someone, you must make this Rs 50,000 investment only if you have exhausted the Rs 1 lakh limit under section 80C. For a given amount invested, RGESS yields only half the tax saving of Section 80C and so it makes sense to use up the latter first.
One has good reason to hope that these two months of this financial year is the only time that the RGESS will exist in its current form. A number of authorities, including the finance minister himself, have said that the scheme will be modified based on the learnings this year. Hopefully, we’ll have something much more useful next year.

----------------------------------------------------------------------------------------------------------------------



Thanks and Regards

CA Kapil Talreja
(Practising Chartered Accountant, Personal Finance Consultant & a Member of JagoInvestor Group)
(Mobile No.: 91-8734856509)

Wednesday, August 1, 2012

Date with a Woman … Very Sweet And Touching Date with a Woman … Very Sweet And Touching



date with women

After 21 years of marriage, my wife wanted me to take another woman out to dinner and a movie.. She said I love you but I know this other woman loves you and would love to spend some time with you.

The other woman that my wife wanted me to visit was my MOTHER, who has been a widow for 19 years, but the demands of my work and my three children had made it possible to visit her only occasionally.

That night I called to invite her to go out for dinner and a movie.

‘What’s wrong, are you well,’ she asked? My mother is the type of woman who suspects that a late night call or a surprise invitation is a sign of bad news.

‘I thought that it would be pleasant to be with you,’ I responded. ‘Just the two of us.’

She thought about it for a moment, and then said, ‘I would like that very much…..’

That Friday after work, as I drove over to pick her up I was a bit nervous.

When I arrived at her house, I noticed that she, too, seemed to be nervous about our date. She waited in the door with her coat on.. She had curled her hair and was wearing the dress that she had worn to celebrate her last wedding anniversary.

She smiled from a face that was as radiant as an angel’s.

‘I told my friends that I was going to go out with my son, and they were impressed, ‘she said, as she got into the car. ‘They can’t wait to hear about our meeting’. We went to a restaurant that, although not elegant, was very nice and cozy. My mother took my arm as if she were the First Lady.

After we sat down, I had to read the menu. Large print. Half way through the entries, I lifted my eyes and saw Mom sitting there staring at me. A nostalgic smile was on her lips.

‘It was I who used to have to read the menu when you were small,’ she said. ‘Then it’s time that you relax and let me return the favor,’ I responded.

During the dinner, we had an agreeable conversation – nothing extraordinary, but catching up on recent events of each other’s life..

We talked so much that we missed the movie..

As we arrived at her house later, she said, ‘I’ll go out with you again, but only if you let me invite you.’ I agreed.

‘How was your dinner date?’ asked my wife when I got home. ‘Very nice.

Much more so than I could have imagined,’ I answered.

A few days later, my mother died of a massive heart attack. It happened so suddenly that I didn’t have time to do anything for her.
Some time later, I received an envelope with a copy of a restaurant receipt from the same place mother and I had dined.

An attached note said: ‘I paid this bill in advance. I wasn’t sure that I could be there; but nevertheless, I paid for two plates – one for you and the other for your wife. You will never know what that night meant for me..

I love you, son.’

At that moment, I understood the importance of saying in time: ‘I LOVE YOU!’ and to give our loved ones the time that they deserve. Nothing in life is more important than God and your family. Give them the time they deserve, because these things cannot be put off till ‘some other time.






Saturday, June 30, 2012

We always believe we will live forever. Bad things always happen to others.


Here goes the letter forwarded by Rima Parikh, a CFP Practitioner in Mumbai. Thank you Rima for sharing, it’s appreciated…

Hello Friends,

Few things I learnt after Mithun’s death-

We always believe we will live forever. Bad things always happen to others.

Only when things hit us bang on our head do we realise… Life is so unpredictable….

My husband was an IT guy. All techie. And I am a chartered accountant. Awesome combination you may think.

Techie guy so everything is on his laptop.his to do list. his e-bill and his bank statements in his email. . He even maintained a folder which said IMPWDS. wherein he stored all login id and passwords for all his online accounts. And even his laptop had a password. Techie guy so all the passwords were alpha-numeric with a special character not an easy one to crack. Office policy said passwords needed to be changed every 30 days.So every time I accessed his laptop I would realise it’s a new password again. I would simply opt for asking him ‘What’s the latest password’ instead of taking the strain to memorise it.

You may think me being a Chartered Accountant would means everything is documented and filed properly. Alas many of my chartered accountant friends would agree that the precision we follow with our office documents and papers do not flow in to day to day home life. At office you have be epitome of Reliability / Competent / Diligent etc but. at home front there is always a tomorrow.

One fine morning my hubby expired in a bike accident on his way home from office.. He was just 33.His laptop with all his data crashed.everything on his hard disk wiped off.No folder of IMPWDS to refer back to.His mobile with all the numbers on it was smashed.But that was just the beginning. I realised I had lot to learn.

9 years married to one of the best human beings.with no kids.just the two of us to fall back on..but now I stood all alone and lost.

Being chartered accountant helped in more ways than one but it was not enough. I needed help.His saving bank accounts, his salary bank accounts had no nominee.On his insurance his mom was the nominee and it was almost 2 years back she had expired. but this was just a start.. I didn’t know the password to his email account where all his e-bill came.I didn’t know which expenses he paid by standing instructions.

His office front too was not easy. His department had changed recently.I didn’t know his reporting boss name to start with.when had he last claimed his shift allowance.his mobile reimbursement.

The house we bought with all the excitement.on a loan.thought with our joint salary we could afford the EMI.when the home loans guys suggested insurance on the loan.we decided the instead of paying the premium the difference in the EMI on account of the insurance could be used pay towards prepayment of the loan and get the tenure down.We never thought what we would do if we have to live on a single salary.So now there was huge EMI to look into .

I realised I was in for a long haul.

Road accident case. so everywhere I needed a Death certificate, FIR report, Post Mortem report. For everything there were forms running into pages.indemnity bonds.notary.surety to stand up for you.No objections certificates from your co-heirs..

I learnt other than your house, your land . your car, your bike are also your property… So what if you are the joint owner of the flat.you don’t become the owner just because your hubby is no more. So what if your hubby expired in the bike accident.and you are the nominee but if the bike is in a repairable condition .you have to get the bike transferred in your name to claim the insurance.And that was again not easy. the bike or car cannot be transferred in your name without going through a set of legal documents. Getting a Succession Certificate is another battle all together.

Then came the time you realise now you have to start changing all the bills, assets in your name.Your gas connection, electricity meter, your own house, your car, your investments and all sundries. And then change all the nominations where your own investments are concerned.And again a start of a new set of paperwork.

To say I was shaken.my whole life had just turned upside down was an understatement.You realise you don’t have time to morn and grieve for the person with whom you spend the best years of your life. because you are busy sorting all the paper work.

I realised then how much I took life for granted.I thought being a chartered accountant I am undergoing so many difficulties.what would have happened to someone who was house maker who wouldn’t understand this legal hotchpotch.

A sweet friend then told me dear this was not an end.you have no kids.your assets will be for all who stand to claim.after my hubby’s sudden death.I realised it was time I took life more seriously. I now needed to make a Will. I would have laughed if a few months back if he had asked me to make one.But now life had taken a twist.

Lessons learnt this hard way were meant to be shared.After all why should the people whom we love the most suffer after we are no more.Sorting some paperwork before we go will at least ease some of their grief.

1. Check all your nominations
It’s a usual practice to put a name (i.e in the first place if you have mentioned it) and royally forget about it. Most of us have named our parent as a nominee for investments, bank accounts opened before marriage. We have not changed the same even years after they are no longer there with us. Even your salary account usually has no nomination.. Kindly check all your Nominations.
- Bank Accounts
- Fixed Deposits, NSC
- Bank Lockers
- Demat Accounts
- Insurance (Life, Bike or Car or Property)
- Investments
- PF & Pension Forms

2. Passwords..
We have passwords for practically everything. Email accounts, Bank accounts, even for the laptop you use. What happens when your next in kin cannot access any of these simply because they do not know your password… Put it down on a paper.

3. Investments.
Every year for tax purpose we do investments. Do we maintain a excel sheet about it. If so is it on the same laptop of which the password you had not shared. Where are those physical investments hard copy.

4. Will.
Make a Will. I know you will smile even I would.had I not gone through all what I did.It would have made my life lot easier.a lot less paperwork.I wouldn’t had to provide an indemnity bond, get it notarised, ask surety to stand up, no objections certificates from others…

5. Liabilities.
When you take a loan say for your house or car.Check out on all the what ifs.what if I am not there tomorrow.what if I loose my job.Will the EMI still be within my range.If not get an insurance on the loan.The people left behind will not have to worry on something as basic as their own house.

My battles have just begun…But let us at least try and make few changes so that our loved ones would not suffer after we go.We do not know what will happen in the future.But as the Scout motto goes: “Be prepared”-Priya
I am sure that we will get a lot of insight from this letter/blog about our own situations and workings.

Thursday, June 7, 2012

Some useful health tips!


A chat with Dr.Devi Shetty, Narayana Hrudayalaya(Heart Specialist) Bangalore was arranged by WIPRO for its employees The transcript of the chat is given below. Useful for everyone.





Q: What are the thumb rules for a layman to take care of his heart?

Ans:
1. Diet - Less of carbohydrate, more of protein, less oil
2. Exercise - Half an hour's walk, at least five days a week; avoid lifts and avoid sitting for a longtime
3. Quit smoking
4. Control weight
5. Control blood pressure and sugar

Q: Is eating fish good for the heart ?

Ans: Yes

Q
: It's still a grave shock to hear that some apparently healthy person
gets a cardiac arrest. How do we understand it in perspective?


Ans: This is called silent attack; that is why we recommend everyone past the age of 30 to undergo routine health checkups.


Q: Are heart diseases hereditary?

Ans: Yes


Q: What are the ways in which the heart is stressed? What practices do you suggest to de-stress?

Ans: Change your attitude towards life. Do not look for perfection in everything in life.


Q: Is walking better than jogging or is more intensive exercise required to keep a healthy heart?

Ans: Walking is better than jogging since jogging leads to early fatigue and injury to joints


Q: You have done so much for the poor and needy. What has inspired you to do so?

Ans:
Mother Theresa , who was my patient.

Q: Can people with low blood pressure suffer heart diseases?

Ans: Extremely rare.


Q: Does cholesterol accumulates right from an early age
(I'm currently only 22) or do you have to worry about it only after you are above 30 years of age?

Ans: Cholesterol accumulates
from childhood .
Q: How do irregular eating habits affect the heart ?

Ans: You tend to eat junk food when the habits are irregular and your body's enzyme release for digestion gets confused.


Q: How can I control cholesterol content without using medicines?

Ans: Control diet, walk and eat walnut.


Q: Which is the best and worst food for the heart?

Ans:
Fruits and vegetables are the best and the worst is oil.
Q: Which oil is better - groundnut, sunflower, olive?

Ans: All oils are bad .


Q: What is the routine checkup one should go through? Is there any specific test?

Ans: Routine blood test to ensure sugar, cholesterol is ok. Check BP, Treadmill test after an echo.


Q: What are the first aid steps to be taken on a heart attack?

Ans: Help the person into a sleeping position , place an aspirin tablet under the tongue with a sorbitrate tablet if available, and rush him to a coronary care unit since the maximum casualty takes place within the first hour.


Q: How do you differentiate between pain caused by a heart attack and that caused due to gastric trouble?

Ans: Extremely difficult without ECG.


Q: What is the main cause of a steep increase in heart problems amongst youngsters? I see people of about 30-40 yrs of age having heart attacks and serious heart problems.

Ans: Increased awareness has increased incidents. Also, sedentary lifestyles, smoking, junk food, lack of exercise in a country where people are genetically three times more vulnerable for heart attacks than Europeans and Americans.


Q: Is it possible for a person to have BP outside the normal range of 120/80 and yet be perfectly healthy?

Ans: Yes.


Q: Marriages within close relatives can lead to heart problems for the child. Is it true?

Ans : Yes, co-sanguinity leads to congenital abnormalities and you may not have a software engineer as a child


Q: Many of us have an irregular daily routine and many a times we have to stay late nights in office. Does this affect our heart ? What precautions would you recommend?

Ans : When you are young, nature protects you against all these irregularities. However, as you grow older, respect the biological clock.


Q: Will taking anti-hypertensive drugs cause some other complications (short / long term)?

Ans : Yes, most drugs have some side effects. However, modern anti-hypertensive drugs are extremely safe.


Q: Will consuming more coffee/tea lead to heart attacks?

Ans : No.


Q: Are asthma patients more prone to heart disease?

Ans : No.


Q: How would you define junk food?

Ans : Fried food like Kentucky , McDonalds , samosas, and even masala dosas.


Q: You mentioned that Indians are three times more vulnerable. What is the reason for this, as Europeans and Americans also eat a lot of junk food?

Ans: Every race is vulnerable to some disease and unfortunately, Indians are vulnerable for the most expensive disease.


Q: Does consuming bananas help reduce hypertension?

Ans : No.


Q: Can a person help himself during a heart attack (Because we see a lot of forwarded emails on this)?

Ans : Yes. Lie down comfortably and put an aspirin tablet of any description under the tongue and ask someone to take you to the nearest coronary care unit without any delay and do not wait for the ambulance since most of the time, the ambulance does not turn up.


Q: Do, in any way, low white blood cells and low hemoglobin count lead to heart problems?

Ans : No. But it is ideal to have normal hemoglobin level to increase your exercise capacity.


Q: Sometimes, due to the hectic schedule we are not able to exercise. So, does walking while doing daily chores at home or climbing the stairs in the house, work as a substitute for exercise?

Ans : Certainly. Avoid sitting continuously for more than half an hour and even the act of getting out of the chair and going to another chair and sitting helps a lot.


Q: Is there a relation between heart problems and blood sugar?

Ans: Yes. A strong relationship since diabetics are more vulnerable to heart attacks than non-diabetics.


Qn: What are the things one needs to take care of after a heart operation?


Ans : Diet, exercise, drugs on time , Control cho lesterol, BP, weight.


Q: Are people working on night shifts more vulnerable to heart disease when compared to day shift workers?

Ans : No.


Q: What are the modern anti-hypertensive drugs?

Ans : There are hundreds of drugs and your doctor will chose the right combination for your problem, but my suggestion is to avoid the drugs and go for natural ways of controlling blood pressure by walk, diet to
reduce weight and changing attitudes towards lifestyles.


Q: Does dispirin or similar headache pills increase the risk of heart attacks?

Ans : No.


Q: Why is the rate of heart attacks more in men than in women?

Ans : Nature protects women till the age of 45. (Present Global census show that the Percentage of heart disease in women has increased than in men )


Qn: How can one keep the heart in a good condition?

Ans : Eat a healthy diet, avoid junk food, exercise everyday, do not smoke and, go for health checkup s if you are past the age of 30 ( once in six months recommended) ....







Thursday, May 31, 2012

A letter to Papa..worth reading!!

A father passing by his teenage bedroom was astonished to see the bed was nicely made and everything was neat and tidy.


Then he saw an envelope propped up prominently on the center of the pillow. It was addressed "Dad". With the worst premonition, he opened the envelope and read the letter with trembling hands:-


Dear Dad,

It is with great regret and sorrow that I'm writing you, but I'm leaving
home. I had to elope with my new boyfriend Randy because I wanted to avoid a
scene with Mom and you.
I've been finding real passion with Randy and he is so nice to me. I know
when you meet him you'll like him too - even with all his piercing, tattoos,
and motorcycle clothes. But it's not only the passion Dad, I'm pregnant and
Randy said that he wants me to have the kid and that we can be very happy
together.
Even though Randy is much older than me (anyway, 42 isn't so old these days
is it? ), and has no money, really these things shouldn't stand in the way
of our relationship, don't you agree?

Randy has a great CD collection; he already owns a trailer in the woods and
has a stack of firewood for the whole winter. It's true he has other
girlfriends as well but I know he'll be faithful to me in his own way. He
wants to have many more children with me and that's now one of my dreams
too.

Randy taught me that marijuana doesn't really hurt anyone and he'll be
growing it for us and we'll trade it with our friends for all the cocaine
and ecstasy we want. In the meantime, we'll pray that science will find a
cure for AIDS so Randy can get better; he sure deserves it!!

Don't worry Dad, I'm 15 years old now and I know how to take care of myself.
Someday I'm sure we'll be back to visit so you can get to know your
grandchildren.

Your loving daughter,

Rosie.



At the bottom of the page were the letters " PTO".

Hands still trembling, her father turned the sheet, and read:

PS:

Dad, none of the above is true. I'm over at the neighbour's house. I just
wanted to remind you that there are worse things in life than my report card
that's in my desk centre drawer. Please sign it and call when it is safe for
me to come home.

I love you!

Your loving daughter,
Rosie