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Thursday, December 31, 2009
HAPPY NEW YEAR '2010'
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Tuesday, December 29, 2009
LOVE LIFE
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Sunday, December 27, 2009
WHAT TO CHOOSE AND WHOM TO CHOOSE?
And sorry I could not travel both
Friday, December 25, 2009
Why to raise the 'FINANCIAL INTELIGENCE' ?
'Money Saved is Money Yarned' is very simple truth.here i would like to share my wisdom that i have learned over years after spending too much and realised recently what a fool i was...
In all my workshops, i used insist my participant only one thing , i.e.-Raise the Individual's 'Financial Quotient'-FQ.
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Why to raise the 'FINANCIAL INTELIGENCE' ?
if the individuals are aware about this they can be free from all debt that burdens the family and their society or the nation.
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The recession and other major financial debt burden that shook the world recently can be simply eradicated, if we all take/initiate an effort to educate the FQ among every individual including children. In my personal view, our educational system must incorporat the financial intelligence as part of the curriculam.
for e.g -
- if your child ask New Pencil often... Do not simply buy an give it- Ask the old pencil,even it is very small and un-usable no problem , just collect the old one and give a new pencil.This will make your child not only financially inteligent but also as a responsible person.
- Do not encourage them to eat more chocolates,kurekure and of that kind.it may spoil your child health and memory.
Lack of FQ Will make the individual and society sick.if one is weak financially just by his/her own inefficiency that is not only going affect that individual/person , it will affect the family and the overall society as well . (I Remember the frog storey)...
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Why socialism in our world that failed was also because of the lacked financial intelligence of individuals during those time.These individuals who were part and collectively made a society that failed. Here 'The rich will become poorer; and the poorer become more poorer' Logically it is incorect.if the society need to be raised/uplifted,it is very much indeed to raise the 'FQ' among every individuals who is going make the society as whole ' rich and wealthy' . if this is achived than the situation is like - 'The rich will become more Richer and the poor will become Richer' it is logically a correct solution.
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wealth can be created if one is aware and keen in attaining it.Your passion to be rich will make you rich. This is what my policy is.
' Do not catch and feed the fish to sombody;
instead teach some one HOW TO CATCH THE FISH ON THEIR OWN'
b. Avoid Overspending and 'Pay yourself first' Atleast every month save little money of your yarnings for your ownself. e.g.- 5% to 10% of your income.
c. Carry a pocket notebook with you every where. just write down all your out flow money when ever possible.At night, spend few minutes to look out your spending...do a total spending of that particular day.Now, just make a strike mark of the unwanted spend-OUT's as per your heart and total the unwanted. just notice and be aware. ' Each penny counts '
e.when you are going out with friends be watchful about your un-necessary spending . i did'nt mean to be stingy .You can always 'spend for the need'.
e.g. - When we go to hotel we simply order many items in the menu.Afterwards... unable to consume the whole food and simply waste it. [ Do not waste food.Many people in the world die out of hunger]
f.Always save money for the future needs and for your children educational needs and medical attention.Always keep some money for emergency for the unexpected.(if you have more children have more money for emergency) 'Safety first'
h.Do not make any hurry burry decision as far as your money is concerned. 'Be Affirmative unto your self ' be in your balance in all situations that may insist you to make wrong financial decisions. e.g.- Investing money for unusual intrest in private fund agency or such..
i.Do not invest money ever in a single source.spilit it up your investments in fixed deposit,gold, land,stocks,etc. 'Personal portfolio is the best'
l.Do not avail loan for your wants, just because it is easily available. ' Un-Burden youself and be free from Debt '
e.g.- ' SWITCH OFF ' The Monitor/Fan/Light When your are moving out of the room even for 10 minutes.You can save electricity by not using the electric heater for heating the water for bathing during summer time. ' Consume less energy Resources' .
Note-*The Bold and Italic quotes within the 'Quotation' will be explained in detail latter on.*
To Learn more on ' FINANCIAL INTELIGENCE- go to my other blog -http://wealthtrainer.blogspot.com/
Saturday, December 12, 2009
Sunday, December 6, 2009
Beautiful moments of the Past that Enrich us today and ever,as we recall.
It was probably the April of 1974. Bangalore was getting warm and Gulmohars were blooming at the IISc campus. I was the only girl in my postgraduate department and was staying at the ladies’ hostel. Other girls were pursuing research in different departments of Science.I was looking forward to going abroad to complete a doctorate in Computer science. I had been offered scholarships from Universities in the US . I had not thought of taking up a job in India .One day, while on the way to my hostel from our lecture-hall complex, I Saw an advertisement on the notice board. It was a standard job-requirement notice from the famous automobile company Telco (now Tata Motors). It stated that the company required young, bright engineers, hardworking and with an excellent academic background, etc.At the bottom was a small line: “Lady candidates need not apply.”I read it and was very upset. For the first time in my life I was up against gender discrimination.Though I was not keen on taking up the job, I saw it as a challenge. I Had done extremely well in academics, better than most of my male peers. Little did I know then that in real life academic excellence is not enough to be successful.After reading the notice I went fuming to my room. I decided to inform The topmost person in Telco’s management about the injustice the company was perpetrating. I got a postcard and started to write, but there was a problem: I did not know who headed Telco.I thought it must be one of the Tatas. I knew JRD Tata was the head of The Tata Group; I had seen his pictures in newspapers actually, Sumant Moolgaokar was the company’s chairman then). I took the card, addressed It to JRD and started writing. To this day I remember clearly what I wrote.“The great Tatas have always been pioneers. They are the people who Started the basic infrastructure industries in India , such as iron and steel, chemicals, textiles and locomotives. They have cared for higher Education in India since 1900 and they were responsible for the establishment of the Indian Institute of Science. Fortunately, I study there. But I am surprised how a company such as Telco is discriminating on the basis of gender.”I posted the letter and forgot about it. Less than 10 days later, I received a telegram stating that I had to appear for an interview at Telco’s Pune facility at the company’s expense. I was taken aback by the telegram. My hostel mate told me I should use the opportunity to go to Pune free of cost and buy them the famous Pune saris for cheap! I collected Rs 30 each from everyone who wanted a sari. When I look back, I feel like laughing at the reasons for my going, but back then they seemed good enough to make the trip.It was my first visit to Pune and I immediately fell in love with the city.
Wednesday, November 25, 2009
Monday, November 9, 2009
THE DUCK STORY
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Sunday, August 16, 2009
Mahamrityunjaya Mantra" - Victory over Death
"OM Trayambakam Yajamahe
Sugandhim Pushtivardhanam
Urvarukamiva Bandhanam
Mrityor Mukshiya Mamritat ".
We worship the three-eyed Lord Shiva who is full of sweet fragrance and nourishes human beings. May he liberate me from bondage.
Source:-http://www.hindu-blog.com/2009/02/download-shiva-maha-mrityunjaya-mantra.html
* Link -Download Maha Mrityunjaya Mantra MP3 for Free
Saturday, August 15, 2009
Kanaka Dhara Sthothram-for " WEALTH CREATION ' The hymn of the golden shower
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From Hindupedia, the Hindu Encyclopedia
Adhi Sankara was possibly one of the great saints of his time. He was born in a poor Brahmin family in Kerala. After brahmopadesa, as is usual during those times, he was asked to beg alms for his lunch. One day when he went to a Brahmin house, the lady of the house was so poor that she did not have anything to give him. She searched hard and found one small fruit of gooseberry, which she gave to Sankara. He was so touched by her gesture that he sang these 21 mellifluous hymns on Goddess Lakshmi, who poured golden goose berries as rain to the poor woman’s house.
It is believed that poverty would be banished by singing this hymn.
Bhringanga neva mukulabharanam thamalam,
Angikrithakhila vibhuthirapanga leela,
Mangalyadasthu mama mangala devathaya.," 1
To the Hari who wears supreme happiness as Ornament, The Goddess Lakshmi is attracted,Like the black bees getting attracted,To the unopened buds of black Tamala tree,Let her who is the Goddess of all good things,Grant me a glance that will bring prosperity.
Premathrapapranihithani gathagathani,
Mala dhrishotmadhukareeva maheth pale ya,
Sa ne sriyam dhisathu sagarasambhavaya.," 2
Again and again return,those glances,Filled with hesitation and love,Of her who is born to the ocean of milk,To the face of Murari,Like the honey bees to the pretty blue lotus,And let those glances shower me with wealth.
Anandakandamanimeshamananga thanthram,
Akekara stiththa kaninika pashma nethram,
Bhoothyai bhavenmama bhjangasayananganaya., " 3
With half closed eyes stares she on Mukunda,Filled with happiness, shyness and the science of love,On the ecstasy filled face with closed eyes of her Lord,And let her, who is the wife of Him who sleeps on the snake, Shower me with wealth.
Haravaleeva nari neela mayi vibhathi,
Kamapradha bhagavatho api kadaksha mala,
Kalyanamavahathu me kamalalayaya., " 4
He who has won over Madhu,Wears the Kousthuba as ornament,And also the garland of glances, of blue Indraneela,Filled with love to protect and grant wishes to Him,Of her who lives on the lotus,And let those also fall on me,And grant me all that is good..
Dharaadhare sphurathi yaa thadinganeva,
Mathu samastha jagatham mahaneeya murthy,
Badrani me dhisathu bhargava nandanaya.," 5
Like the streak of lightning in black dark cloud,She is shining on the dark, broad chest,Of He who killed Kaidaba,And let the eyes of the great mother of all universe,Who is the daughter of Sage Bharghava,Fallon me lightly and bring me prosperity.
Mangalyabhaji madhu madhini manamathena,
Mayyapadetha mathara meekshanardham,
Manthalasam cha makaralaya kanyakaya., " 6
The God of love could only reach,The killer of Madhu,Through the power of her kind glances,Loaded with love and blessingAnd let that side glance ,Which is auspicious and indolent,Fall on me.
Ananda hethu radhikam madhu vishwoapi,
Eshanna sheedhathu mayi kshanameekshanartham,
Indhivarodhara sahodharamidhiraya.," 7
Capable of making one as king of Devas in this world,Her side long glance of a moment,Made Indra regain his kingdom,And is making Him who killed Madhu supremely happy.And let her with her blue lotus eyes glance me a little.
Dhrishtya thravishta papadam sulabham labhanthe,
Hrishtim prahrushta kamlodhara deepthirishtam,
Pushtim krishishta mama pushkravishtaraya., " 8
To her devotees and those who are great,Grants she a place in heaven which is difficult to attain,Just by a glance of her compassion filled eyes,Let her sparkling eyes which are like the fully opened lotus,Fall on me and grant me all my desires.
Asminna kinchina vihanga sisou vishanne,
Dhushkaramagarmmapaneeya chiraya dhooram,
Narayana pranayinee nayanambhuvaha.," 9
Please send your mercy which is like wind,And shower the rain of wealth on this parched land,,And quench the thirst of this little chataka bird,And likewise,drive away afar my load of sins,Oh, darling of Narayana,By the glance from your cloud like dark eyes.
"Gheerdhevathethi garuda dwaja sundarithi,
Sakambhareethi sasi shekara vallebhethi,
Srishti sthithi pralaya kelishu samsthitha ya,
Thasyai namas thribhvanai ka guros tharunyai., " 10
She is the goddess of Knowledge,She is the darling of Him who has Garuda as flag,She is the power that causes of death at time of deluge,And she is the wife of Him who has the crescent,And she does the creation, upkeep and destruction at various times,And my salutations to this lady who is worshipped by all the three worlds.
"Sruthyai namosthu shubha karma phala prasoothyai,
Rathyai namosthu ramaneeya gunarnavayai,
Shakthyai namosthu satha pathra nikethanayai,
Pushtayi namosthu purushotthama vallabhayai.," 11
Salutations to you as Vedas which give rise to good actions,Salutation to you as Rathi for giving the most beautiful qualities,Salutation to you as Shakthi ,who lives in the hundred petalled lotus,And salutations to you who is Goddess of plenty,And is the consort of Purushottama.
"Namosthu naleekha nibhananai,
Namosthu dhugdhogdhadhi janma bhoomayai,
Namosthu somamrutha sodharayai,
Namosthu narayana vallabhayai., " 12
Salutations to her who is as pretty.As the lotus in full bloom,Salutations to her who is born from ocean of milk,Salutations to the sister of nectar and the moon,Salutations to the consort of Narayana.
"Namosthu hemambhuja peetikayai,
Namosthu bhoo mandala nayikayai,
Namosthu devathi dhaya prayai,
Namosthu Sarngayudha vallabhayai.," 13
Salutations to her who has the golden lotus as seat,Salutations to her who is the leader of the universe,Salutations to her who showers mercy on devas,And salutations to the consort of Him who has the bow called Saranga.
"Namosthu devyai bhrugu nandanayai,
Namosthu vishnorurasi sthithayai,
Namosthu lakshmyai kamalalayai,
Namosthu dhamodhra vallabhayai., "14
Salutations to her who is daughter of Bhrigu,Salutations to her lives on the holy chest of Vishnu,Salutations to Goddess Lakshmi who lives in a lotus,And saluations to her who is the consort of Damodhara.
"Namosthu Kanthyai kamalekshanayai,
Namosthu bhoothyai bhuvanaprasoothyai,
Namosthu devadhibhir archithayai,
Namosthu nandhathmaja vallabhayai., " 15
Salutations to her who is light living in Lotus flower,Salutations to her who is the earth and also mother of earth,Salutations to her who is worshipped by Devas,And salutations to her who is the consort of the son of Nanda.
"Sampath karaani sakalendriya nandanani,
Samrajya dhana vibhavani saroruhakshi,
Twad vandanani dhuritha haranodhythani,
Mamev matharanisam kalayanthu manye.," 16
Giver of wealth, giver of pleasures to all senses,Giver of the right to rule kingdoms,She who has lotus like eyes,She to whom Salutations remove all miseries fast,And my mother to you are my salutations.
"Yath Kadaksha samupasana vidhi,
Sevakasya sakalartha sapadha,
Santhanodhi vachananga manasai,
Twaam murari hridayeswareem bhaje., " 17
He who worships your sidelong glances,Is blessed by all known wealth and prosperity,And so my salutations by word, thought and deed,To the queen of the heart of my Lord Murari.
"Sarasija nilaye saroja hasthe,
Dhavalathamamsuka gandha maya shobhe,
Bhagavathi hari vallabhe manogne,
Tribhuvana bhoothikari praseeda mahye., "18
She who sits on the Lotus,She who has lotus in her hands,She who is dressed in dazzling white,She who shines in garlands and sandal paste,The Goddess who is the consort of Hari,She who gladdens the mind,And she who confers prosperity on the three worlds,Be pleased to show compassion to me.
"Dhiggasthibhi kanaka kumbha mukha vasrushta,
Sarvahini vimala charu jalaapluthangim,
Prathar namami jagathaam janani masesha,
Lokadhinatha grahini mamrithabhi puthreem.," 19
Those eight elephants from all the diverse directions,Pour from out from golden vessels,The water from the Ganga which flows in heaven,For your holy purifying bath,And my salutations in the morn to you,Who is the mother of all worlds,Who is the house wife of the Lord of the worlds,And who is the daughter of the ocean which gave nectar.
"Kamale Kamalaksha vallabhe twam,
Karuna poora tharingithaira pangai,
Avalokaya mamakinchananam,
Prathamam pathamakrithrimam dhyaya., "20
She who is the Lotus,She who is the consort,Of the Lord with Lotus like eyes,She who has glances filled with mercy,Please turn your glance on me,Who is the poorest among the poor,And first make me the vessel,To receive your pity and compassion.
"Sthuvanthi ye sthuthibhirameeranwaham,
Thrayeemayim thribhuvanamatharam ramam,
Gunadhika guruthara bhagya bhagina,
Bhavanthi the bhuvi budha bhavithasayo.," 21
He who recites these prayers daily,On her who is personification of Vedas,On her who is the mother of the three worlds,On her who is Goddess Rema,Will be blessed without doubt,With all good graceful qualities,With all the great fortunes that one can get,And would live in the world,With great recognition from even the learned.
To Learn further Go to:-http://www.hindupedia.com/en/Kanaka_Dhara_Sthothram
Wednesday, August 12, 2009
TULSI TO FIGHT BACK SWINE FLU
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Wed, Aug 12 11:56 AM
Ayurveda, the traditional 'science of life', has a remedy for diseases when every other stream of medicine fails. Now, at a time when swine flu is spreading like wildfire across the world, Ayurveda has the remedy in the form of the miraculous herb, the basil leaves commonly known as Tulsi.
Tulsi, the purest and most sublime plant, has been known and worshipped in India for more than five millennia for its remarkable healing properties. Considered as an 'Elixir of Life', this wonder herb has now been claimed to keep the deadly swine flu at bay and help fast recovery in afflicted persons.
"The anti-flu property of Tulsi has been discovered by medical experts across the world quite recently. Tulsi improves the body's overall defence mechanism including its ability to fight viral diseases. It was successfully used in combating Japanese Encephalitis and the same theory applies to swine flu," Dr U K Tiwari, a herbal medicine practitioner says.
Apart from acting as a preventive medicine in case of swine flu, Tulsi can help the patient recover faster.
"Even when a person has already contracted swine flu, Tulsi can help in speeding up the recovery process and also help in strengthening the immune system of the body," he claims.
Dr Bhupesh Patel, a lecturer at Gujarat Ayurved University, Jamnagar is also of the view that Tulsi can play an important role in controlling swine flu.
"Tulsi can control swine flu and it should be taken in fresh form. Juice or paste of at least 20-25 medium sized leaves should be consumed twice a day on an empty stomach." This increases the resistance of the body and, thereby, reduces the chances of inviting swine flu," believes Patel.
As its name suggests, Tulsi has again proved to be the 'the incomparable' medicine - this time, in the prevention and cure of swine flu.
The symptoms of the H1N1 flu virus in people are similar to the symptoms of seasonal flu and include fever, cough, sore throat, runny or stuffy nose, body aches, headache, chills and fatigue. A significant number of people who have been infected with novel H1N1 flu virus also have reported diarrhea and vomiting. The high risk groups for novel H1N1 flu are not known at this time, but it's possible that they may be the same as for seasonal influenza. However, Please consult a practitioner in case of any such symptoms. Doctors have strictly advised against self medication.
(With PTI inputs)
KNOWLEDGE
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Once, Bhoj went walking out in the countryside with a very learned scholar from a neighbouring kingdom. As they walked both were deeply immersed in literary and philosophical discussion. This caused them to lose their way. Arriving at a village where an old woman was tending her field, they stopped and asked, “Respected mother, where does this road go ?”
”The road does not go anywhere. It stays here. Only the people who walk along it will go somewhere. So tell me, who are you ?” , said the woman in response. “We are travellers”, they replied.
The old woman smiled.
”Travellers! there are only two. The sun and the moon. Tell me truly, who are you ?”
”Sister, we are guests”, said the scholar.
”Guests! there are only two. One is wealth and the other is youth. Now tell me which are you ?” said the old woman.
”We are kings”, said king Bhoj.
“There are only two kings. One is Indra (king of gods) the other is Yama (god of death). Tell me now, which one are you ?” enquired the old woman.
King Bhoj and his companion were by now truly astonished.
”We… we are two of great ability”, they said.
”There are only two of great ability”, said the woman. “One is the earth, the other is woman. But you look neither of them. Say now, who are you?”
”Sister…. we are sadhus(holy men)”, said king Bhoj, getting desperate.
”You do not look like Sadhus to me”, said the woman nodding her head in disagreement.
“Anyway, sadhus there are only two”, she went on, “One is modesty, the other contentment”.
Now the scholar pluked courage and spoke up. “Sister, we are pardesi”(not the local people, migrants)
But the woman would have none of it. “Perdesi you are not”, she said. “Only the soul and the leaf of a tree can be pardesi. Now , who are you ?”
The King and the scholar were becoming increasingly lost for words in the face of the woman’s astonishing replies.But how could they admit defeat in a duel of words with a mere old woman?
It was the scholar’s turn to say something. “Sister… we are clever”, he said.
“There are only two clever things in this world grain and water. Which one are you?” Countered the old woman.
At this, both king Bhoj and the visiting scholar groaned and said, “We are defeated”.
“There are only two defeated people in the world”, said the woman. “One is a man burdened with debt, the other is the father of a girlwithout good qualities. Why do you not tell me truthfully, who are you?”
Throwing up their hands in despair, king Bhoj and the scholar said, “What can we say, sister? The truth is, we seem to know nothing. It is you who know it all”.
At these words the face of the old woman broke into a smile then she turned serious in a kind and soothing voice she said, “Both of you have become too proud of your wealth and learning. I knew right from the beginning that you are king Bhoj and he is your scholarly guest. This was my way of bringing you back to earth. Go along this path”, she gestured, “That is the way back to Dhar”.
The king and the scholar bowed deeply to the poor old woman who had helped open their eyes to their own faults. They had much to think about on their way home.
"The real source of knowledge is not the books in the library, but what one can glean through reading the Book of Life”.
Saturday, August 1, 2009
THE HELL AND HEAVEN
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Monday, July 27, 2009
Why humanity needs a Sadguru more than ever?
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Religion is individual, one has to seek it on one's own. It is not a social phenomenon, it has nothing to do with the crowd and the collective. It is a private thing, as intimate as love.
In one of His discourses Osho quotes Guru Nanak: "by the guru's grace"? Is not man's own labor enough? It is necessary to understand this very subtle point, because Nanak stresses the guru a great deal. Later Nanak says that without the guru God cannot be attained. What is the reason for this? If God is omnipresent why can't I meet Him directly? What is the need to bring in the guru?”
Osho adds, “There is no need of a guru -- provided you are capable of annihilating your ego yourself.”
“The greater your insensitivity, the more somnolent you are, the greater your need for a guru. Understand that. If you are fast asleep, how can you awaken yourself? Someone else will have to shake you. Even then the chances are that you will roll over and fall back asleep again.”
A Master simply teaches how to be alert with full consciousness. He teaches conscious awareness.
Osho says, there are two types of Masters in the world. The first type is the teacher. He teaches disciplines, virtue, character, but next day the student forgets. The second is the Master. He does not teach any virtue, he does not teach any character, he does not teach any ordinary humility, humbleness. He bores a hole into the being of the disciple so that light can penetrate, and the disciple can see for himself. The master tries to make one aware, full of light. That's the real Master. In the East we call him SADGURU, the right Master. Teachers are many; Sadgurus are very few and far between.
“If you are with a teacher you may become a good man, but you cannot become enlightened. And your goodness will always remain on a volcano; it can erupt any moment. If you are with a teacher he will teach you outward things -- how to discipline yourself, how to be good, how to be a servant, how to serve people, how to be non-violent, how to be loving, kind, compassionate. He will teach you a thousand and one things.
If you come to a Master, he teaches only one thing -- that is: how to become aware, how to bore a hole into your being so light can enter into your imprisonment. And in that light, everything starts happening of its own accord.
And when things happen of their own accord, they have a beauty to them. Then there is great benediction.”
OSHO
- Editor
Source:-OSHO WORLD(EDITORIAL)
LINK:-http://oshoworld.com/onlinemag/july09/htm/editorial.asp#1
* Sadguru, meaning the perfect master, is one complete word and should not be read separately as Sad Guru. Sadguru pronounced as Satguru in some of the northern belts in India, originated from Sanskrit word Sadguru meaning the true master.
Monday, July 6, 2009
INDIAN BUDGET-2009 ,HIGHLIGHTS
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Budget speech completed. Finance Bill-II 2009 introduced.
Customs duty on bio-diesel reduced.
Silver to cost more.
Textile units to receive tax holiday.
LCD TVs to cost less. Custom duty on LCD TVs cut from 10% to 5%.
Set-Top Boxes to cost more. Customs duty of 5% on set-top boxes.
To extend tax holiday for commercial production of mineral oil andnatural gas.
Fringe Benefit Tax abolished.
Commodity Transaction Tax abolished.
Personal income tax exemption hiked by Rs 10,000.
No surcharge of 10% on personal income tax.
Centralised processing center at Bengalooru to streamline taxation.
No change in corporate tax.
Increase in exemption slab for senior citizens by Rs 15,000.
Fiscal deficit at 6.8% of GDP.
Proposes Rs 500 cr for rehabilation of displaced persons ofnorthern and eastern areas of Sri Lanka.
Aila Relief proposed at Rs 1,000 crore.
Increased allocation for higher education. New IITs to be set up.Rs 2,113 cr for IITs and NITs.
Rs 25 cr each for AMU campuses in Murshidabad and Mallapuram.
Defence outlay goes up. One lakh dwelling units for paramilitaryforces personnel to be constructed.
Allowances to para-military forces at par with defence forces. Onerank, one pension for ex-servicemen.
One rank, one pension for ex-servicemen.
Allocation for Commonwealth Games to be raised to Rs 3472 crore
Online job exchange to be started with private partnership.
Unique ID plan to roll out in 12-18 months.
Top people from private sector to be given responsibility of vitalnational projects.
Interest subsidy for home loans up to Rs 1 lakh.
All BPL families to be bought under one smart card program.
50% of all rural women to be brought into self-help group programmes.
Rural mega clusters in Bengal and Rajasthan.
To add handloom clusters in West Bengal and Tamil Nadu.
75% hike in irrigation projects.
Rural Housing: Allocation to Indira Awaas Yojna hiked by 63% to Rs8,883 cr. Rs 7000 crores for rural electrification scheme.
Rs 31,100 crore allocation for NREGA. NREGA gave employmentopportunities to more than 4.479 cr households.
Rs 100 cr one-time grant to expand banks in non-banking areas.
Banks, insurance to stay with Govt. Banking network to be expanded.
Expert panel to look into petroleum product pricing. Domestic oilprices must be in sync with global prices.
'Aam Admi' is the focus of all our programmes and schemes: Pranab
Tax system should be such that it shold encourage voluntary compliance.
Income Tax forms to be made user-friendly. Saral-II forms tosimplify taxation process.
Export Credit Guarantee scheme extended till March 2010.
Stimulus package to print media extended till December 31.
Farmers loan interest to come down to 6%. Interest subventionscheme for farm loans to be manitained.
Additional budget allocation for farmers.
IIFCL will refinance 60% of commercial bank loans in PPP. IIFCL to look at infrastructure needs.
Mumbai flood management allocation hiked to Rs 500 cr.
87% rise in urban renewal mission. Housing allocation hiked.
Fiscal stimulus at 3.5% of GDP
Allocation for NHAI up 23%
Trade in goods and services doubled in 2008
Job creation hit due to economic slowdown: Pranab
Govt took 3 stimulus packages so far.
One budget can not solve all problems: Pranab
Foreign capital inflow is important
Increased focus on growth and encourage nation's development
Sustain growth rate of 9% for a longer period. Farm sector growth at 4%
Union Finance Minsiter begins his speech. This is PranabMukherjee's 4th budget.
Cabinet approves Union Budget.
Taxes
Custom duty on gold re-imposed
Customs duty to be reduced on drugs for heart treatment
No new tax on edible oil imports
4 per cent excise duty on cotton products restored
Customs duty on bio-diesel reduced
Life saving devices on heart contidion exempted from custom duty
Small business exempt from advance tax
To maintain overall customs and excise duty structure
Tax holiday to natural gas extended
Tax slab raised
MAT hiked to 15 per cent of book profit
Commodity transaction tax abolished
New pension scheme
Tax holiday for exporters extended untill 2012
Personal income tax exemption hiked by Rs 10,000
Abolish fringe benefit tax
Tax holiday extended for textile units
Goods and services tax from April 1, 2010
Share of direct taxes has increased to 56 per cent in 2008-09
Federal Tax/GDP ratio is 11.5 per cent
No surcharge of 10 per cent on personal income tax
Increase in exemption slab for senior citizen
No change in corporate taxes
Hike in IT exemption for women to Rs 1,90,000
Govt committed to tax reforms
Increase automation in direct tax collection
New tax code in 45 days
Centralised processing center at Bengalooru to streamline taxation
Income tax forms should be user friendly
Tax system should be such that it shold encourage voluntary compliance
Saral form 2 will be introduced
Markets
Indian stock Markets was in the Red.
Sensex Down 870 Points
Prices
Branded jewellery to become cheaper
Mobile phone accessories to get cheaper
Set-top box to cost more
Silver to cost more
Reduce custom duty on LCD TVs cut from 10 per cent to 5 per cent
Customs duty of 5 per cent on set top boxes
Saturday, June 27, 2009
MICHAEL JACKSON- "FROM CHILD STAR TO POP MEGA STAR'
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"Man in the Mirror" -Music video
SOLD-OUT SHOWS
Jackson had been due to start a series of concerts in London on July 13 running until March 2010. The singer had been rehearsing in the Los Angeles area for the past two months. The shows for the 50 London concerts sold out within minutes of going on sale in March."Rarely has the world received a gift with the magnitude of artistry, talent, and vision as Michael Jackson," said Neil Portnow, president and CEO of The Recording Academy in a statement."He was a true musical icon whose identifiable voice, innovative dance moves, stunning musical versatility, and sheer star power carried him from childhood to worldwide acclaim."There were concerns about Jackson's health in recent years but the promoters of the London shows, AEG Live, said in March that Jackson had passed a 4-1/2 hour physical examination with independent doctors.Outside the hospital in Los Angeles about 200 fans and reporters gathered on Thursday, waiting for confirmation of Jackson's death or condition.Some fans were crying and hugging each other, and others were climbing atop fences to get a better look at a microphone stand where a news conference was supposed to take place."I hope he's gone to God, and I hope that he's free of all the troubles he's been plagued with," Tonya Blazer, 50, who said she had been a fan going back more than four decades to his days as a child star."I just feel like I'm paying tribute to him," said Dawn Burgess, 42, a fan who said she had posters of Michael pinned to her bedroom wall when she was a child.
People watch news tickets in Times Square report that Michael Jackson had died.
MICHAEL JACKSON - "FROM CHILD STAR TO POP MEGA STAR" HIS JOURNEY ENDS AND HIS DANCE AND MUSICS ARE BECOMING IMMORTAL AMONG HIS FANS AROUND THE WORLD.
Friday, June 19, 2009
CIVILIZATION
Tuesday, June 16, 2009
I WISH..
Monday, June 15, 2009
IN CASE OF EMERGENCY
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"ICE" (In Case of Emergency) Campaign
We all carry our mobile phones with names & numbers stored in its
memory but nobody, other than ourselves, knows which of these numbers
belong to our closest family or friends.
If we were to be involved in an accident or were taken ill, the people
attending us would have our mobile phone but wouldn't know who to
call. Yes, there are hundreds of numbers stored but which one is the
contact person in case of an emergency?
The concept of "ICE" is catching on quickly. It is a method of contact
during emergency situations. As cell phones are carried by the
majority of the population, all you need to do is store the number of
a contact person or persons who should be contacted during emergency
under the name "ICE" ( In Case Of Emergency).
The idea was thought up by a paramedic who found that when he went to
the scenes of accidents, there were always mobile phones with
patients, but they didn't know which number to call. He therefore
thought that it would be a good idea if there was a nationally
recognized name for this purpose. In an emergency situation, Emergency
Service personnel and hospital Staff would be able to quickly contact
the right person by simply dialing the number you have stored as
"ICE."
For more than one contact name simply enter ICE1, ICE2 and ICE3 etc. A
great idea that will make a difference!
Let's spread the concept of ICE by storing an ICE number in our Mobile
phones today!
Please forward this. It won't take too many "forwards" before
everybody will know about this It really could save your life, or put
a loved one's mind at rest ..
ICE will speak for you when you are not able to
Monday, June 8, 2009
Millionaires in the making: The Rodrigueses
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At age 27, John and Gina already earn a combined $174,000 a year, save half of what they make and have built a formidable portfolio of $380,000 in stocks, mutual funds and cash. Their goal: to become millionaires and retire by the time they turn 40, just 13 years from now.
To make that dream a reality, they have become black-belt practitioners of an art rarely practiced in America these days: While others with their earning power might indulge in fancy dinners, luxury vacations and designer wardrobes, the Rodrigueses live like young couples did before the era of easy credit. They rent the house where John grew up in the San Francisco Bay Area for a mere $650 a month; rarely travel; split an entrée on the rare occasions they eat out; and spend almost nothing on clothes (John wears free Microsoft T-shirts, while Gina gets hand-me-downs from her sister).
They are driven by a fierce determination to control their own fate. John yearns to quit his job to indulge his passion for the outdoors, and Gina plans to cut back her hours at the boutique they own to work with animals and, possibly, raise a family.
Can the couple do it? The outcome depends on the answers to three key questions: Will they be able to keep up their spartan lifestyle? (Anxious for a home of their own, they are now shopping for a house in one of the priciest areas of the country.) Will they invest wisely? (Among their goofs so far: They snatched up three properties near the height of the real estate bubble.) And even if they do, is 13 years really enough time to amass the huge sums required to retire at 40 - enough money to last them for the ensuing 50 to 60 years?
Sunday, May 31, 2009
MUSIC BY SADE - "THERE IS A WOMAN IN SOMALIA"
GREAT MUSIC BY SADE.
THE LYRICS ARE TOO IMPRESSIVE
IT RAISED MY HAIR ALL OVER MY BODY WHEN I HEARD IT AT FIRST TIME.
THIS SONG IS SHOWING FULL OF CAMPASSION FOR THE UNDER PRIVILEGED SOMALIAN PEOPLE...
MANY DIES THERE OUT OF HUNGER..THIS SONG REALLY BRING THE WORLD CLOSE TO SOMALIA.
WHY THE SOMALIAN PIRATES ARE STILL EXISTED IN OUR WORLD? WE NEED TO THINK DEEPLY.I STRONGLY BELIEF IT IS BECAUSE OF THE POVERTY,THE SOMALIAN PEOPLE ARE TURNING TO BE (SEA)PIRATES.THEIR HUNGER MAKES THEM TO DO SO..!!
LET THIS AWARENESS AMONG THE WORLD PEOPLE ERADICATE THE POVERTY IN SOMALIA.I WISH SOON...LET ALL THESE PEOPLE GET GOOD FOOD AND LIVE A HEALTHY AND LONGER LIFE.
PEARLS BY SADE
Friday, May 29, 2009
UNIVERSE ORGIN - ATHEISM Vs THEISM
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In general, theists attribute the origin of the universe to some sort of transcendent, intelligent Designer. Atheists envision a natural, undirected process by which universes spring into existence spontaneously. Prior to the 20th century most atheists believed the universe was eternal. This changed however as discoveries throughout the 20th Century rendered that view untenable. Einstein’s theory of gravity (which has been thoroughly validated by extensive experimental confirmation) and Hubble’s astronomical observations preclude an eternal universe. We now know beyond a reasonable doubt that the universe began at some point in the finite past. Now we understand that there are only two legitimate options for the origin of the universe:
(1) Someone made the universe (Intelligent Design), or
(2) The universe made itself (Random Chance).
The third option, the universe has always been here, is no longer a feasible alternative — it contradicts empirical science. No other scientifically plausible theories for the origin of the universe have ever been proposed. The implications of various 20th century discoveries have put atheists in an awkward position. Logic now requires that they identify an uncontrolled mechanism by which the universe could have initiated, designed, created and developed itself without an Intelligent Director. Otherwise, intellectual honesty requires the necessity of a Creator God.
Origin of the Universe - The Big Bang Theory
So began the effort to propose an atheistic mechanism for the origin of the universe. Enter the Big Bang Theory and Darwinian Evolution. The original Big Bang Theory seeks to explain the sudden appearance of everything from nothing, while Darwinian Evolution seeks to explain the origin of complex life forms from their supposed simpler ancestors. The premise of the Big Bang is that the entire universe was compacted into a teeny tiny little ball, which, after randomly coming into existence for no apparent reason in the first place, exploded into all space, time, matter and energy in an instant. Yes, that’s the theory. No Ph.D. required.
The Big Bang Theory provided an atheistic explanation for the origin of the universe, but its obvious simplicity was subject to multiple attacks. As a result, the original theory is no longer the dominant scientific explanation for the atheistic origin of the universe. While the original Big Bang Theory is now “dead,” from its ashes have emerged the various Inflationary Universe Theories (IUTs). Starting with Alan Guth in the late 1990’s (The Inflationary Universe: The Quest for a New Theory of Cosmic Origins), the scientific community has now proposed roughly 50 different IUT variants. Scientists hope that one of the current IUTs will sire an accurate reconstruction of the birth of our universe, though it is universally acknowledged that all of the current IUTs have their problems. It seems the only way to get realistic calculations to match an IUT model is to make assumptions that are poorly justified.
The IUTs are essentially no better an attempt to explain the origin of the universe without God than the Big Bang. The primary differences between the IUTs and the original Big Bang Theory are really pre-bang explanations. What happened just prior to the explosion? What happened during the first millisecond of the explosion? For instance, some of the IUTs have included a concept called the ‘epoch of inflation’ to explain the dynamic first millisecond after the Bang. However, the basic premise of all these theory variants is the same — the universe was compacted into a little cosmic ball that subsequently exploded with a big bang into everything that exists today. Thus, the IUTs share the same post-bang problems that plague the original Big Bang Theory. These problems include violations of established Natural Laws, such as:
(i) The Law of Causality (observed effects require a related cause),
(ii) The Law of Conservation of Angular Momentum (observed phenomena like retrograde motion in our solar system are impossible without an intervening cause), and
(iii) The Laws of Thermodynamics (Conservation of Matter/energy and Increased Entropy). In addition, the Big Bang/iUTs are unable to explain a limitless list of other issues related to cosmological, chemical, stellar, planetary and biological causation, order and design. Where did all that matter and energy come from in the first place? What caused its initial release? How did this explosion of everything (from nothing) order itself? How can simplicity become complexity? Where did the chemical elements come from? Where did the mathematical laws and physical properties come from? How do we explain the fine-tuning inherent in spiral galaxies, solar systems and stars? How do you explain the existence of both voids and clumps in our cosmos? Where did the first rock come from? How did life come from a rock? Where did the information code for all biologic forms come from? Where did the language convention that interprets that code come from?…
Origin of the Universe - Long Ago and Far Away…
Attempts to exclude a Creator from the “origin of the universe equation” have been long on theoretical calculations and short on common sense. The various models merely move the questions of where, why and how did everything get here to “long ago and far away.” Atheists are tenacious in their efforts to ignore the necessity of a First Cause, Intelligent Designer, Creator God. But as Aldous Huxley put it so eloquently, “Facts do not cease to exist because they are ignored.” And it seems that atheists must ignore a great deal in order to maintain their atheistic cosmogonic position. Is the entire universe really the result of an accidental explosion of nothing? Is the design and irreducible complexity of all living systems really the result of random chance? Where is the so-called “evolutionary mechanism”? 21st century “science” has declared that anything sounding “supernatural” is entirely off limits. Yet, by common sense definition, “science” based on the Big Bang and IUTs must suspend and/or violate established natural laws. In effect, atheistic science must use “supernatural” means to justify its atheistic presupposition. Prior to the last 150 years, and the recent campaign to exclude God in the scientific fields, scientists as a general rule believed in God. As a matter of fact, the founders of a majority of the scientific disciplines were Theists. These men took pride in the idea that they were “thinking God’s thoughts after Him.” Please consider these final thoughts… If everything is an accident, there’s no reason to figure anything out. If everything is futile, purpose is an imaginary concept. But if everything was created, and if everything has a purpose, shouldn’t it be the underlying goal of all mankind to discover that Creator and find that purpose? And so we endeavor to discover our Creator and fulfill our purpose, while using science as merely one of our tools .
Saturday, May 23, 2009
KEYBOARD PERSONAL COMPUTER
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