Year 2015 is now only a few hours away. In the New Year at the level of utility and technology are going to be many changes. Many new things are coming. They ease the difficulties of our life. Initiatives to reduce the discomfort and make life simpler is always ongoing process. Here I have tried to summarized some of happening of 2014 then will some way down the line help common people.Some of expectation may or may not get complete.

1) GAS connection

Until now it was: If you had to surrender the city replaced the old agency cylinder. Transfer voucher was made. He would give other city agency. There cylinder was again allotted.

Now it would be if the company is the same, the city does not need to change Haegi transfer. Empty cylinder will give new cylinder. 5 kg cylinder distributor get shorty. The larger cylinder should not be able to take the year 36 Shorty cylinder.

2) LED Bulb in Rs 10

The central government to control electricity demand in the Goverment will provide  Rs 400 LED  in just Rs 10

This project will get started in 37 million households in the three districts of Andhra Pradesh . Together with the center and state governments buy these bulbs give them to the public at subsidized prices

3) Smart Gadgets

- Intel is working on a laptop to wireless charging.
- 3D camera will come with a creative desktop. The screening will be a 3D object. It will be helpful in designing creative. The camera will measure the distance from the object.
 - Intel will bring software that will read the biometric sensor on-board. Giving thumb impression you can directly log on laptop and email.
- Windows will launch in May with -10 Cortana feature. Cortana's Intelligent Personal Assistant. It will operate many things with your voice
-Camera maker Kodak will launch 4G Phone.
- Samsung smartphone will offer folding screen. The smartphone market trend will change.
- Apple,Lenovo and HTC will present its iWatch and  Smartphone. Many companies will bring new gadgets with such variation

4) Online Driving Licence 

Motor Vehicle Act to amend the country will end the current system of the RTO. Under the new system, the whole process of getting a driving license and a permit will be online. And the license will be test driving simulator. Will eliminate corruption and delay. Bring transparency.

   350 e-toll on National Highway
-All 350 e-toll on national highways will start. The government will save Rs 27 crore. 7 thousand crore in the line of vehicles belonging to the fuel left to burn. Payment will be toll from punch cards to save time.

5) Easy  Banking
Debit Card EMI: ICICI Bank has a beginning. Other banks are on track to do the same. So far, the amount of the credit card after the purchase was EMI option to convert.

Fund Transfer: Kotak Mahindra Bank has launched a Facebook-based fund transfer scheme. It is not necessary to send or receive money to the bank account holder. Other banks are going to start in the new year are Interbank Mobile Payments Service.

Secure Transaction: many banks engaged chip debit card holders in 2015 and aims to provide a credit card with photo. This will secure your transactions.

6) Wi-Railway Station
After the New Delhi railway station, 75 new cities will start Wi-Fi. This widens the 400 railway stations. The first 30 minutes will be free Wi-Fi. After 30 minutes will be charged Rs 25 and Rs 35 for 60 minutes.

- Delhi-Agra  High Speed Moving Track has been successfully tested in 2014 Express. It is the distance between Delhi and Agra holds 105 minutes. Now in 2015 this will hopefully get implemented.

7) Mobile Technology

800 Two-tier cities will be  4G facility having speed  between 16 and 18 Mbps. This speed will be three times higher than the 3G. 1.5 million new subscribers is expected join.

- As a result of broadband and 3G Internet rates will be cut from 30 to 40 per cent.

- Increasing demand for 4G-enabled smartphone. This 3G enabled phone can reduce prices by 30 per cent

-Mobile Number Portability  facility may get implemented for INTER CIRCLE by 31 March 2015.

8) Heath 
-The world's largest health insurance scheme will be launched in India. Every citizen will feature

either a card making every hospital like Mediclaim free treatment will be provided. So far, 14 states have agreed to the plan.
-More generic medicines store will get open in district hospitals, stores will open at ESIC hospitals and railway stations.

Ebola vaccine
-African Countries killer disease Ebola vaccine will get started. GlaxoSmithKline is the clinical trials. The first vaccine will be available in African countries.

9) Smart City

Smart City will be the first case. However, Microsoft's technical services provided to the public via a project that will scale.

10 ) Labour 

 -Mandatory deduction of 12 per cent from salary may be exempt from the electives. A bill drafted by the Ministry of Labour has taken. This will benefit those, who want full salary without any PF deducation every month.

- Universal for PF account number with the trust account after starting the transfer of non-trust PF institutions will also be online. In July of non-trust transfers in trust accounts has already begun.

-Minimum wages may rise to 15,000

11) Passport 
Passport will eight days instead of three days. Passport will be made in three days. If the address is
not changed if the police verification will not need renewal. E-Passport Service will begin a six-year delay. Everything will be online.

12) Election

  Voting: Indian embassies abroad can provide EVM machine. For  NRIs  for proxy voting will be provided.They  can assign any other person to cast their vote. Voting will also provide immediate visa to visit India
OCI & PIO card will now merge into single card from 7 January

Government in the new year is planing for a great gift . The government planing  is to have national monthly salary of Rs 15,000 in formal and informal sectors is considered a
45 economic activities  under the Minimum Wages Act of 1948  included in the Act. Then the Act was implemented in the states. Under this  Act  1600 may include economic activities.

Government is likely to amend Minimum Wages Act, 1948, and  is too soon to call a meeting of the States. The meeting will be asked for the opinion of all the states. This issue has already been a  ministry committee is already working. This initiative is a consensus on the central government to the states to decide the value of the minimum wage for workers.

If this step is successful, the government under the National Minimum Wage Act, the minimum wage in the formal and informal sectors will be Rs 15,000 employees (more than double) . Currently The minimum salary is just Rs 4645.

From 1st Janurary LPG subside will get directly credit in consumer bank account ,So it time to verify whether you bank account is connected to Aadhaar  number or not. If you have already submitted Aadhaar number to Bank so please verify using this method. If it dosnet work Please take visit Bank and have inquiry.

To find out whether your Aadhaar  number associated with your bank account or not, the consumer can dial * 99 * 99 # on your mobile dial, next enter the base number of 12 digits and then click OK. If the Aadhaar number is correct to confirm Dial 1. There will be message wheter your aadhar number is connected to any bank account of not.

IF card is connected to bank then there will be message will tell you when your Aadhaar  card number has been link which bank card.

Further I would like to inform you since it is NUUP (National Unified USSD Platform) based service  I am not sure whether all Mobile opertor will have this facility .To know which Operator currentlky support NUUP (National Unified USSD Platform) visit this link http://www.npci.org.in/pro_pb.aspx

Jeevan Pramaan is computer generated digital life certificate for pensioner. Jeevan Pramaan Certificate is produced for individual pensioner using his Biometric Credentials.Pensioner needs to know and provide his/her Aadhaar Number, PPO Number, Bank Account number and branch detail, Name, Address etc .For this certificate individual pensioner has not to present himself/ herself in front of seniors authorised Officers. This can be generated even from home. Only you need a internet connection and Biometric devices or else visit your nearest Citizen Service Centre or designated Offices  and get your self registered. (details available on site using locate a centre link) Pensioners can use Android / Windows PC based application available for download at jeevanpramaan.gov.in portal and may register from any location but he/she should have biometric device connected to phone or Laptop. Individual has to register once and later he can generate Jeevan Pramaan using Biometric authentication.

To access Jeevan Pramaan web site at https://Jeevanpramaan.gov.in or http://lifecertificate.gov.in and find the centre using “Locate A Centre” option or alternately you can send SMS to 7738299899, the SMS body must start with keyword “JPL” and after space write you pin code e.g.SMS: JPL 110003 to 7738299899 .The Portal Reply message will have list all centres where you can visit for Jeevan Pramaan.Any Pensioner having pension account in Bank/Post Offices can go to CSC for the certificate. Any Central Government Pensioner having pension account in Bank can go to District Centre of Delhi. But Central Government Office Centres may be visited by their respective office Pensioners only.

How to get Life Certificate Online

There are three ways to register and get a Jeevan Pramaan

• visit your nearest CSC centre and register online using CSC services and you may have to pay nominally for this
• visit a Designated Office and register yourself
• Download the application & install on your android based smart phone/tablet or Windows PC/Laptop and register yourself (you will need biometric device for this step)

The Jeevan Pramaan Client application currently supports the Mantra & Morpho finger print scanner and Iritec Iris scanner for use with the software. Supports for other devices are being added and will be updated in the website download section. The Jeevan Pramaan software upgrades over the air, therefore for new functionality software will not require re-installation.

Pensioner’s information like Pension Aadhaar number, Pensioner Name, PPO Number, Bank Account detail, Address, Mobile number etc are fed into the system though web based / client interface and finally pensioners person information are authenticated using the Aadhaar number and pensioner has to put his finger on to the finger print scanner or eye on the Iris scanner.
After successful authentication, Pramaan ID / the transaction number is displayed on the screen and same has is sent to Pensioner’s mobile as SMS from the portal.
The portal generates Electronic Jeevan Pramaan for the successfully authenticated pensioner and it is stored in the central Life Certificate Repository database.Digital Life Certificate is a valid certificate and recognized under the IT Act. The system benefits the pensioner from having to go before the Pension disbursing Authority to prove that he/she is alive. It is free for the pensioner. Individual has to register once and later he can generate Jeevan Pramaan using Biometric authentication.
The disbursing Bank can access and get the Jeevan Pramaan certificate from the portal for his pensioners though the electronic data transfer mechanism created between the portal and Bank server.
Pensioner has to inform to the Bank that his Jeevan Pramaan has been generated through online registration from Jeevan Pramaan portal.

Kotak bank has once again started intresting way of fund transfer " Mail Money service", you can send money to a beneficiary by just knowing his/her email ID and mobile number. You don't have to register beneficiaries. You don't need to know beneficiary's bank, account number, IFSC etc.Currently, this service is available on Kotak Net Banking Log in to Net Banking --> Banking --> Transfers and Payments -->Mail Money. You can cancel Transaction by using the 'Cancel Transaction' option in Internat Banking The transfer request can be cancelled till the time the funds are not debited from your account.
Existing charges if applicable for NEFT/ IMPS will be levied as per General Schedule of Features and Charges (GSFC).You need to be registered for Net Banking with unconditional transaction rights. Service is available for individual customers only.
How if Works
Enter the beneficiary details like name, email ID, mobile number and payment amount. 2 OTPs will be generated and shared through SMS - one will be sent to you and the other to the beneficiary. The beneficiary will receive a mail from Kotak Mahindra Bank with the redemption link. Beneficiary needs to enter both the OTPs and then enter his/her account details to receive the amount.OTP will expire 7 days from the payment date.You have the option to re-generate the OTP. A new link and OTP will be sent to your beneficiary email ID, along with a new OTP sent to you, which you need share with the beneficiary.

Use the 'Re-generate OTP' option in Net Banking. A new link and  new OTPs will be generated. The link will be emailed to the beneficiary on the email ID provided by you.
After Beneficary recives link and OTP  a beneficiary has to input the details for the bank account where he/she wishes to receive the money. The beneficiary account can be with any bank. Beneficiary will need to enter IFSC code, Bank Name, Bank account details and submit the request. Beneficiaries having a Kotak Bank account will only have to enter the Bank account details. The transfer request will be executed via fund transfer modes like NEFT/ IMPS.Funds will be debited from the remitters account as per the payment date requested by him. The transfer request will be executed via NEFT/ IMPS (Immediate Payment service). If the beneficiary bank participates in IMPS, the transfer will be executed immediately; otherwise it will be processed in the NEFT clearing cycle. The transfer is subject to sufficient balance in the debit account at the time of execution of request.

Limit of Transaction
     Rs. 10,000 per transaction and
    Rs. 50,000 per day

Features of Mail Money
     Mail money by just knowing the email ID and mobile number of beneficiary
    No beneficiary registration required
    Beneficiaries can choose to deposit the money in the accounts of their choice
    Schedule transfers for the next 7 days
    Option to cancel the payment till the time the transfer is not done
    Regenerate One Time Passwords (OTPs) if sender or beneficiary forget or misplace them
    View transaction history
    Triple security through passwords (OTPs) sent to both sender and beneficiary mobile numbers and redemption link sent to beneficiary's email ID
    OTPs auto expire after 7 days of payment date mentioned by customer
    Alerts sent to both sender and beneficiary

NUUP (National Unified USSD Platform) is a mobile banking service provided by NPCI (National Payment Cooperation of India) which works on the USSD technology. Customers can avail of basic mobile banking services of various Bank just by dialing the short code *99# from their mobile phone, irrespective of the telecom service provider, mobile handset capability or the need for a mobile internet plan.

USSD (Unstructured Supplementary Service Data) is a transmission protocol used by GSM cellular telephones to communicate with the Telecom Service Providers (TSP). Though similar to Short Messaging Service (SMS), USSD messages however create a real-time connection which remains open, allowing a two-way exchange of data.You need to first register yourself for the Mobile Banking Channel and ensure that your current mobile number is also updated with the Bank.

On dialing the short code *99# you will be first prompted to input the bank's IFSC code i.e. IBKL or SBIN/BKID after which an interactive menu with various banking services will be displayed on the screen. You may then select the relevant banking service from the list of options available.

Benefits of NUUP (USSD) service

           An interactive session oriented service
           Simple and easy to use
           Works on almost all GSM handsets
           GPRS connection not required
           Works even while on the move
           More secure than SMS

Services currently available

           Balance Enquiry
           Mini Statement
           Fund Transfer to Mobile Number (MMID based)
           Fund Transfer to Account Number (IFSC based)
           Know your MMID