You Sang to Me...

 

Oh... 
I just wanted you to comfort me 
When I called you late last night you see 
I was fallin' into love 
Yes, I was crashin' into love 
Oh of all the words you sang to me 
About life, the truth and being free, yeah 
You sang to me, oh how you sang to me 

Girl, I live off how you make me feel 
So I question all this being real 
'Cause I'm not afraid to love 
For the first time I'm not afraid of love 

Oh, this day seems made for you and me 
And you showed me what life needs to be 
Yeah, you sang to me, oh you sang to me 

All the while you were in front of me I never realized 
I just can't believe I didn't see it in your eyes 
I didn't see it, I can't believe it 
Oh but I feel it 
When you sing to me 
How I long to hear you sing beneath the clear blue skies 
And I promise you this time I'll see it in your eyes 
I didn't see it, I can't believe it 
Oh but I feel it 
When you sing to me 

Just to think you live inside of me 
I had no idea how this could be 
Now I'm crazy for your love 
Can't believe I'm crazy for your love 
The words you said you sang to me 
And you showed me where I wanna be 
you sang to me, oh you sang to me 

All the while you were in front of me I never realized 
I just can't believe I didn't see it in your eyes 
I didn't see it, I can't believe it 
Oh but I feel it 
When you sing to me 
How I long to hear you sing beneath the clear blue skies 
And I promise you this time I'll see it in your eyes 
I didn't see it, I can't believe it 
Oh but I feel it 
When you sing to me 

All the while you were in front of me I never realized 
I just can't believe I didn't see it in your eyes 
I didn't see it, I can't believe it 
Oh but I feel it 
When you sing to me 
How I long to hear you sing beneath the clear blue skies 
And I promise you this time I'll see it in your eyes 
I didn't see it, I can't believe it 
Oh but I feel it 
When you sing to me 

All the while you were in front of me I never realized 
I just can't believe I didn't see it in your eyes 
I didn't see it, I can't believe it 
Oh but I feel it 
When you sing to me 
How I long to hear you sing beneath the clear blue skies 
And I promise you this time I'll see it in your eyes 
I didn't see it, I can't believe it 
Oh but I feel it 

Principles for Peace of Mind..

Principles for Peace of Mind..

1. Do Not Interfere In Others' Business Unless Asked.
Most of us create our own problems by interfering too often in others' affairs. We do so because somehow we have convinced ourselves that our way is the best way, our logic is the perfect logic and those who do not conform to our thinking must be criticized and steered to the right direction, our direction. This thinking denies the existence of individuality and consequently the existence of God.. God has created each one of us in a unique way. No two human beings can think or act in exactly the same way. All men or women act the way they do because God within them prompts them that way. Mind your own business and you will keep your peace.


2. Forgive And Forget:

This is the most powerful aid to peace of mind. We often develop ill feelings inside our heart for the person who insults us or harms us. We nurture grievances. This in turn results in loss of sleep, development of stomach ulcers, and high blood pressure. This insult or injury was done once, but nourishing of grievance goes on forever by constantly remembering it. Get over this bad habit. Life is too short to waste in such trifles. Forgive,20Forget, and march on. Love flourishes in giving and forgiving.

3. Do Not Crave For Recognition:

This world is full of selfish people. They seldom praise anybody without selfish motives. They may praise you today because you are in power, but no sooner than you are powerless, they will forget your achievement and will start finding faults in you. Why do you wish to kill yours lf in striving for their recognition? Their recognition is not worth the aggravation. Do your duties ethically and sincerely.
4. Do Not Be Jealous:

We all have experienced how jealousy can disturb our peace of mind. You know that you work harder than your colleagues in the office, but sometimes they get promotions; you do not. You started a business several years ago, but you are not as successful as your neighbor whose business is only one year old. There are several examples like these in everyday life. Should you be jealous? No. Remember everybody's life is shaped by his/her destiny, which has now become his/her reality. If you are destined to be rich, nothing in the world can stop you. If you are not so destined, no one can help you either. Nothing will be gained by blaming others for your misfortune. Jealousy will not get you anywhere; it will only take away your peace of mind.

5. Change Yourself According To The Environment:

If you try to change the environment single-handedly, the chances are you will fail. Instead, change yourself to suit your environment. As you do this, even the environment, which has been unfriendly to you, will mysteriously change and seem congenial and harmonious.

6. Endure What Cannot Be Cured:

This is the best way to turn a disadvantage into an advantage. Every day we face numerous inconveniences, ailments, irritations, and accidents that are beyond our control... If we cannot control them or change them, we must learn to put up with these things. We must learn to endure them cheerfully. Believe in yourself and you will gain in terms of patience, inner strength and will power.

7. Do Not Bite Off More Than You Can Chew:

This maxim needs to be remembered constantly. We often tend to take more responsibilities than we are capable of carrying out. This is done to satisfy our ego. Know your limitations. . Why take on additional loads that may create more worries? You cannot gain peace of mind by expanding your external activities. Reduce your material engagements and spend time in prayer, introspection and meditation. This will reduce those thoughts in your mind that make you restless. Uncluttered mind will produce greater peace of mind.

8. Meditate Regularly:

Meditation calms the mind and gets rid of disturbing thoughts. This is the highest state of peace of mind. Try and experience it yourself. If you meditate earnestly for half an hour everyday, your mind will tend to become peaceful during the remaining twenty-three and half-hours. Your mind will not be easily disturbed as it was before. You would benefit by gradually increasing the period of daily meditation. You may think that this will interfere with your daily work. On the contrary, this will increase your efficiency and you will be able to produce better results in less time.


9. Never Leave The Mind Vacant:

An empty mind is the devil's workshop. All evil actions start in the vacant mind. Keep your mind occupied in something positive, something worthwhile . Actively follow a hobby. Do something that holds your interest. You must decide what you value more: money or peace of mind. Your hobby, like social work or religious work, may not always earn you more money, but you will have a sense of fulfillment and achievement. Even when you are resting physically, occupy yourself in healthy reading or mental chanting of God's name.

10. Do Not Procrastinate And Never Regret:

Do not waste time in protracted wondering " Should I or shouldn't I?" Days, weeks, months, and years may be wasted in that futile mental debating. You can never plan enough because you can never anticipate all future happenings. Value your time and do the things that need to be done. It does not matter if you fail the first time. You can learn from your mistakes and succeed the next time. Sitting back and worrying will lead to nothing. Learn from your mistakes, but do not brood over the past. DO NOT REGRET. Whatever happened was destined to happen only that way. Why cry over spilt milk?

Six Silent Tears

Last night before went to bed

Thoughts of you filled my head

Though I have not cried this way in many years

Onto my pillow fell six silent tears

The first was for your smile that I miss

And your tender lips I long to kiss

The second was for your angle face

And thoughts of your loving embrace

The third came as no suprise

As I thought of your beautiful eyes

The fourth came rolling

Instead of my pillow, it should have been you I was holding

The fifth came for one reason alone

I felt my love for you wasn't fully shown

I really love and miss you my dear

And there just fell the sixth silent tear.

 

The Youngest Web Designer Girl Of the World

The web world web is under the feet of this 10-year-old petite girl from Kozhikode in Indian state Kerala. Sreelakshmi Suresh was born in 1998 to lawyer Suresh Menon and a school teacher mother Viju Suresh. And she made the news headlines not now. Some good two years back, when she was only eight by designing her own school’s website `www.presentationhss.com’

This extraordinaire girl has won several honours, scrolls and awards from all over the world. Moreover, she is CEO, no less, of her own company eDesign Technologies. Almost a brand of herself in webworld, Sreelakshmi is ambassador of an IT company and is on the director board and partner too.

Wikipedia notes that she has been noted as one of the youngest award winning web designers in the world. The Association of American Webmasters, who has made her a member of the society, testifies that she is their youngest and the only member under-18- years-of-age.

Ruling United Progressive Alliance chairperson Sonia Gandhi honoured Sreelakshmi, fondly called Sreekutti, with National Child Award for Exceptional Achievement 2008 and a medal at a function held at Vigyan Bhavan in New Delhi in the presence of the then Union Minister for Women and Child Development Renuka Chowdhury and Communications Minister A. Raja. Not just this proud national honour.

The honours list Sreelakhsmi received from all over the globe itself is impressive. Just take a look: Global Internet Directories Gold Award, American Webmasters Association Merit Award, Association of American Webmasters Official membership, Majon Web Select Seal of Excellence Award, Webmasters Ink Award for Excellence in Web Design, AIHC Platinum Award, WM8C Stamp of Excellence Award, 37th Texas Web Award, Mom’s Global Award for Inspirational Website 2006, Golden Web Award (all from the United States); Art Space World Web Award of Excellence 2006-07, Sixty Plus Education Award, Penmarric Bronze Award (all from Canada); Feeblemind’s Award of Excellence, La Luna Niche Best of the Web Award, The Webuilders TS Gold Award (from the United Kingdom); Planeta Foto Silver Award , Poetic Soul Award ( all from Brazil); and among others.

From India, Sreelakhmi was chosen as National Child Award for Exceptional Achievement 2008, Swadeshi Science Movement Excellence Award 2007, Thapasya Excellence Award 2007, Lions Clubs Big Achiever Award 2007 and 2008 and Varnam 2007 Puraskaaram, among others.
One of the honours given by Association of American Webmaster with its official membership is a rare that too for girls of her age.

When tiny-tots who play activity books or toys or cycles or glued to TV with Tom and Jerry, Ben10, Mr Bean et al, Sreekutti toyed with ‘mouse’ and a home PC. At four she was initiated into computers by her father who is a lawyer at Kozhikode bar and for past 3-4 years she immersed into web designing.

Open www.presentationhss.com Sreelakshmi’s first-ever web designed site, one will be impressed. A scroll read: This website designed by Sreelakshmi Suresh, the ‘Youngest Web Designer Girl of the World’, a class of IV, C division pupil.

The links on www.presentationhss.com show usual history, curriculum, admissions et al it also has a link ‘student enquiry’. Through this link parents can ask for information of their kid.

According to Suresh and Viju her parents, Sreekutti used to dabble with Microsoft’s paint and brush software programme for couple of hours and they directed her to do something different. Suresh linked her to the WWW and blogs.

Then, as they say, is history.

Her mother Viju had been quoted saying in local media that their girl baby took to ‘programmes like fish take to water’.

Sreelakshmi started began designing, as usual, with those of nears and dears, neighbours and finally ‘clicked’ to limelight by designing her school’s website.

So far she had designed a dozens include her own personal one www.sreekutty.com and as any other designer imagines, her dream is to make her www.tinylogo.com to be a logo based search engine!

Don’t be surprised Sreelakshmi is star in her school. And her teachers who support her all the way quip: “Sreelakshmi is an inspiration for grown-ups as well”.

All this Kerala prodigy seeks is only blessings from everyone.

 

USED vs LOVED

While a man was polishing his new car, his 4 yr old son picked up stone and scratched lines on the side of the car.

In anger, the man took the child's hand and hit it many times not realizing he was using a wrench.

At the hospital, the child lost all his fingers due to multiple fractures.

When the child saw his father..... with painful eyes he asked, 'Dad when will my fingers grow back?' The man was so hurt and speechless; he went back to his car and kicked it a lot of times.

Devastated by his own actions...... sitting in front of that car he looked at the scratches; the child had written 'LOVE YOU DAD'.
The next day that man committed suicide. . .

Anger and Love have no limits; choose the latter to have a beautiful, lovely life & remember this: 
Things are to be used and people are to be loved.
The problem in today's world is that people are used while things are loved.

Let's try always to keep this thought in mind: 

Things are to be used,
People are to be loved.

Watch your thoughts; they become words.
Watch your words; they become actions.
Watch your actions; they become habits.
Watch your habits; they become character;
Watch your character; it becomes your destiny.

I'm glad a friend forwarded this to me as a reminder.. 
I hope you have a good day no matter what problems you may face 
it's the only day you'll have before it's over.

 

 

Stress Levels...

 

 

What happens to your email account after you die?

 

 Saving that parting e-mail from your first love in your inbox? Well, chances are, after you pass away, your spouse and the entire family will know about the long held secret.

This is because web email services like Hotmail and Gmail do not let users specify what should happen to their messages when they die.

In fact, email services owned by Internet giants like Google and Microsoft have a policy of keeping your data after you die and letting your next of kin or the executor of your estate access it.hese services can hold tens of thousands of messages.

Accounts with Google's Gmail can hold up to 7GB - or roughly 70,000 emails with a small to medium picture attached to each and they archive the messages you've written as well as received.

When it comes to deleting the data, Microsoft's Hotmail will remove an account if it is inactive for 270 days, while Gmail leaves the responsibility to the next of kin.

Of the top three providers, only Yahoo! refuses to supply emails to anyone after the user has died. The user's next of kin can ask for the account to be closed, but cannot gain access to it.

A Yahoo! spokesperson said the only exception to this rule would be if the user specified otherwise in their will.

Meanwhile, social-networking site Facebook has recently publicised a feature called memorialisation that lets the family of deceased users keep their profile page online as a virtual tribute.

MySpace, on the other hand, says it addresses the issue of family access to sensitive data on a "case by case basis".

A spokesperson for MySpace could not rule out letting a user's next of kin log into their profile - potentially giving them access to private messages. (ANI)

 

The Mayonnaise Jar

 When things in your life seem, almost too much to handle, When 24 Hours in a day is not enough, Remember the mayonnaise jar and 2 cups of coffee.

 A professor stood before his philosophy class and had some items in front of him. When the class began, wordlessly, He picked up a very large and empty mayonnaise jar and proceeded to fill it with golf balls.

 He then asked the students, if the jar was full. They agreed that it was.

 The professor then picked up a box of pebbles and poured them into the jar. He shook the jar lightly. The pebbles rolled into the open Areas between the golf balls.

 He then asked the students again if the jar was full.  They agreed it was.

 The professor next picked up a box of sand and poured it into the jar. Of course, the sand filled up everything else. He asked once more if the jar was full. The students responded with a unanimous 'yes.'

 The professor then produced two cups of coffee from under the table and poured the entire contents into the jar, effectively filling the empty space between the sand.  The students laughed.

 'Now,' said the professor,   as the laughter subsided, 'I want you to recognize that this jar represents your life.

 The golf balls are the important things - family, children, health, Friends, and Favorite passions –  Things that if everything else was lost and only they remained, Your life would still be full.

The pebbles are the other things that matter like your job, house, and car.

The sand is everything else --The small stuff.

 'If you put the sand into the jar first,'  He continued, there is no room for  the pebbles or the golf balls. The same goes for life.

If you spend all your time and energy on the small stuff, You will never have room for the things that are important to you.

 So... 

 Pay attention to the things that are critical to your happiness.

Play With your children.

Take time to get medical checkups.

Take your partner out to dinner.

 There will always be time to clean the house and fix the disposal.

 'Take care of the golf balls first --

The things that really matter.

Set your priorities. The rest is just sand.'

 One of the students raised her hand and inquired what the coffee represented..

 The professor smiled.

'I'm glad you asked'.

 It just goes to show you that no matter how full your life may seem, there's always room for a couple of cups of coffee with a friend.'

 

Speech given by Chetan Bhagat in Symbiosis ...must read.....

 

"Life is one of those races in nursery school where you have to run with a marble in a spoon kept in your mouth.  If the marble falls, there is no point coming first. Same with life, where health and relationships are the marble. Your striving is only worth it if there is harmony in your life. Else, you may achieve the success, but this spark, this feeling of being excited and alive, will start to die.

 One thing about nurturing the spark - don't take life seriously. Life is not to be taken seriously, as we are really temporary here. We are like a pre-paid card with limited validity. If we are lucky, we may last another 50 years. And 50 years is just 2,500 weekends. Do we really need to get so worked up?

 

 It's ok, bunk a few classes, goof up a few interviews, take leave from work, fall in love.

 

  We are people, not programmed devices..... "Don't be serious, be sincere." ! 

 

7 steps to Wealth

 

Step 1: You Must Decide Exactly What You Want 
If you understand how the mind works you will understand that this is the most powerful process you can undertake. We teach our clients this process regularly and you will be amazed with what starts to turn up when they experience the speed at which their life and results change!

Step 2: Learn About The Different Strategies To Make Money
What if you don't know what to do?
Well, I didn't know about property 12 years ago; but have built up a portfolio of over £1m within a couple of years. I found out what successful people were doing and copy it! Its called modelling. 
A word of warning: DO NOT allow other people to invest your money for you unless you understand it YOURSELF! The person who will take the greatest care with your money is you. I learned this a couple of times and lost over £15,000 myself getting it wrong! I want you to avoid these mistakes.
Become Self-educated In Investing And DO IT YOURSELF! We can help you learn these strategies quickly and implement them to get RESULTS.

Step 3: Minimise your time with Negative People
Take this suggestion VERY seriously.
For your own highest good ... minimise time with those people who only talk, think or act in a negative way ...... Don't let anyone steal your dream. 
When you start to attract wealth in your life it also attracts other people who are on your path. These will be your new networks and paths to other new and exciting opportunities…when you are ready for them. Stay open minded!!

Step 4: TAKE ACTION!!!
If you decide to do something, you know you want it with all your heart..., but don't take action, nothing will happen...!!! 
You MUST research, you MUST think, but by all means you MUST take action..!!
Not making a decision is a decision itself.
"When you have to make a choice, and don't make it, that in itself is a choice."
William James
You have to ask yourself...; How can you get where you want to be if you don't start any movement...? If you don't take the first step?
Act today, DO NOT leave for tomorrow what you can do today!!!!!
Action Creates Action
All Excuses Are Equal
No matter which excuse you can give..., or which excuse you choose to give ... there IS NOT a good reason to be a failure!!!
This is very important, so just take a few moments to think about this. Don't put it off...what one thing have you been putting off? Do it NOW!
Look back five, ten years, can you see yourself at that time?
What happened during those five, ten years...?
Did you get what you wanted...?
If not,
WHAT IS THE EXCUSE YOU HAVE BEEN REPEATEDLY TELLING YOURSELF...?
It's hard to face reality... It can HURT to face reality ... I can understand that, I've been there many times ... But I can also tell you .. "Don't look back to recriminate yourself" ...
Now is the time to move forward ...
Now is the time to make the decision ...
Now is the time to make the necessary changes to have a fantastic future!!!

Step 5: START SAVING AND INVESTING ...!!! SAVE AND INVEST... AS MUCH AS YOU CAN...!!
You can make all the money you want, but if you don't have a plan to save it, you will never get to your golden mountain!!! Unless you save you cannot explore other ways to Wealth 
Start with as much as you can, even if it only a little... Then increase that amount step by step ... 
You MUST Save and Invest ..., Save and Invest ..., Save and Invest... and remember... all excuses are equal!!!
Keeping the Flow of Wealth Moving
Tithing 
Tithing is giving 10% of your earnings away. WealthBabes does this already and keeps the Flow of Wealth MOVING! This is also a really important part of the plan and law of attraction.

Step 6: Surround Yourself With People, Who Know What They're Doing and have a proven track record... 
LEARN From Them ... Apply What They Have Done To Get To Where They Are Now.
Read as many books on success as you can. Saturate your subconscious mind with story upon story about success. This is an essential step that you must do to change your old conditioning.
You will eventually get to a point where you absolutely know and believe in every fibre of your being, that every step that you are taking on a daily basis is a valuable step, no matter how small it is, and is leading you closer and closer to realising your dreams.
The quicker you saturate your subconscious mind with thoughts of success, the faster you will become it.
It's a "snowball effect"!
You will eventually reach the point where you are literally pulling opportunities for profit to you faster than you can take advantage of them. Imagine what that will be like for you. Opportunities coming to you as opposed to you having to go out and chase them down. 
This is one of the main reasons we set up the Millionairess Club. To create a community of likeminded women who will speed up the process of becoming even more successful through collaboration and sharing of specific knowledge. 

Step 7:  This is the REAL SECRET and is the most amazing step of all - FAITH
Have TOTAL Faith In Yourself and the 'universe' that it will happen! You have to trust and let go of all attachment.  
Be Grateful For EVERYTHING You Have ...!!! NO MATTER WHAT...!!! 
And Remember To be thankful For The Wealth And Abundance That Is Already Yours (even before it comes)!!! 
This is the Attitude of "Gratitude".
Most likely you already know how to be grateful, however the secret to "Gratitude" is to be able to be grateful for everything in your life consistently, without judgment, no matter how good or bad current circumstances may appear to be.
Gratitude will accelerate your wealth process because it is a statement of belief that you already have what you are focused on creating and are about to experience.

These are the 7 Steps that if you only practice these, your life will change dramatically. 
You'll hear more about these in the Millionairess Club, our courses and in our other face to face sessions. 

Excerpt from the Speech given by Chetan Bhagat at Symbiosis.

Life is one of those races in nursery school where you have to run with a marble in a spoon kept in your mouth. If the marble falls, there is no point coming first. Same with life, where health and relationships are the marble. Your striving is only worth it if there is harmony in your life. Else, you may achieve the success, but this spark, this feeling of being excited and alive, will start to die.

One thing about nurturing the spark - don't take life seriously . Life is not to be taken seriously, as we are really temporary here. We are like a pre-paid card with limited validity. If we are lucky, we may last another 50 years. And 50 years is just 2,500 weekends . Do we really need to get so worked up? It's ok, bunk a few classes, goof up a few interviews, fall in love. We are people, not programmed devices.

"Don't be serious, be sincere."

Things I Hate About Everyone

Things I Hate About Everyone

1. People who point at their wrist asking for the time... I know where my watch is pal, where the hell is yours?

2. People who are willing to get off their a** to search the entire room for the TV remote because they refuse to walk to the TV and change the channel manually.

3. When people say "Oh you just want to have your cake and eat it too". Damn Right! What good is cake if you can't eat it?

4. When people say "it's always the last place you look". Of course it is. Why the hell would you keep looking after you've found it? Do people do this? Who and where are they?

5. When people say while watching a film, "did ya see that?" No Loser, I paid $12 to come to the cinema and stare at the damn floor!

6. People who ask "Can I ask you a question?"... Didn't give me a choice there, did ya sunshine?

7. When something is 'new and improved'. Which is it? If it's new, then there has never been anything before it. If it's an improvement, then there must have been something before it, couldn't be new.

8. When people say "life is short". What the hell??? Life is the longest damn thing anyone ever does!!! What can you do thats longer?

9. When you are waiting for the bus and someone asks "Has the bus come yet?" If the bus came, would I be standing here???

RULES FOR BEING HUMAN

1. YOU WILL RECEIVE A BODY.  You many like it or hate it, but it will be yours for the entire period of this time around.  2. YOU WILL LEARN LESSONS.  You are enrolled in a full-time informal school called LIFE. Each day in this school you will have the opportunity to learn lessons. You may like the lessons or think them irrelevant and stupid.  3. THERE ARE NO MISTAKES ONLY LESSONS.  Growth is a process of trial and error: Experimentation. The "failed: experiments are as much a part of the process as the experiment that ultimately "works".  4. A LESSON IS REPEATED UNTIL LEARNED.  A lesson will be presented to you in various forms until you have learned it. When you have learned it, you can then go to the next lesson.  5. LEARNING LESSONS DOES NOT END.  There is no part of life that does not contain its lessons. If you are alive, there are lessons to be learned.  6. "THERE" IS NO BETTER THAN "HERE".  When your "there" has become a "here" you will only obtain another "there" that will again look like "here".  7. OTHERS ARE MERELY MIRRORS OF YOU.  You cannot love or hate something about another person unless it reflects some thing you love or hate about yourself.  8. WHAT YOU MAKE OF YOUR LIFE IS UP TO YOU.  You have all the tools and resources you need. What you do with them is up to you. The choice is yours.  9. YOUR ANSWERS LIE INSIDE OF YOU.  The answers to LIFE's question lie inside you. All you need to do is look, listen, and trust.  10. YOU WILL FORGET ALL OF THIS.  11. YOU CAN REMEMBER IT WHENEVER YOU WANT.  From "Rules for Being Human" by Cherie Carter Scott

 

Lalbaugcha Raja 2009 !!!

 

All you want to know about investing in fixed deposits

Ask any youngster these days about investments and they will talk about stocks, mutual funds, unit linked insurance plans, real estate... the list will go on.

Investing money in safe and secure bank fixed deposits (FDs) will figure in the end, if at all. Rakesh, my neighbour, who was all of 19 and into her first job in a trading company is one such example.

She was happy that her first job as a sales assistant was fetching her a cool salary of Rs 14,000 per month and after her expenses she managed to save more than Rs 7,500 every month. She wanted to buy her own house before 30, and after discussing it with her friends, she wanted to invest in all the investment avenues mentioned above but not in fixed deposits.

Why not fixed deposits? Because she didn't know much about this investment opportunity and her friends told her that investing in stocks and mutual funds would get her higher returns. Though investment in stocks and mutual funds would give her superior returns in the long term (that's what the common belief is and history too supports this claim) she wanted her investments to bear her safe and steady returns so that she could use the money saved to chip in with her contribution for buying a house.

Investing a neat sum of money in fixed deposits every year would help her achieve that.

Here are the most commonly asked questions -- and their answers -- about fixed deposits by youngsters like Rakesh

Who is eligible to apply for a fixed deposit account?

Any individual or institution is eligible to apply for the account.

How do I apply for an FD account?

You can get a bank FD at any bank.

You have to open an FD account with the bank to make the deposit. Some banks may also insist that you maintain a savings account with them to operate an FD account.

When you open the FD account, you are issued a deposit receipt or an account statement. This statement can be updated, depending on the duration of the FD and the frequency of interest calculation. Make sure you check deposit receipts carefully to see that all particulars have been properly and accurately filled in.

How will investing in fixed deposits benefit me?

Apart from the fixed rate of return on your FD investment, you can withdraw the FD at any time before maturity without any difficulty. You can avail loans up to 85 percent of the principal, that is, the amount you invested in the FD. You can also avail of a loan with overdraft facility from the bank against the FDs.

Is there a minimum amount that can be deposited into a fixed deposit account?

The minimum deposit amount required for the FD account is Rs 1,000. There is no fixed multiple or upper limit.

Can I redeem my fixed deposits before the original term?

Yes, an FD can be closed before its original term. If the FD is closed before completing the original term of the deposit, the interest will be paid as per the interest rate applicable on the date of deposit, for the period the deposit has remained with the bank.

Some banks may also charge a penal rate of interest as prescribed by the bank on the date of deposit.

Do senior citizens get any extra benefit on the fixed deposits (FD)?

Yes, senior citizens get higher interest rates on their FDs.

Do I have to pay tax deducted at source (TDS) for FDs?

Tax is deducted at source on the interest accrued on FDs as applicable, as per the Income Tax Act, 1961.

What is the range of tenure for which I can open an FD account?

You can deposit money for a period as short 15 days to as long as 10 years.

Now that Rakesh knew how bank fixed deposits work she was happy and ready to invest a lumpsum amount at the end of each year. This she said would help her save a tidy sum of money in the next 11 years which she will use to buy her dream house.

When she joined her first job Rakesh had set herself a target to buy her own dream house before 30. And she was convinced that saving money in a fixed deposit will help her achieve her dream.

Charity, for the sole

 

Nandan Pandya of Belapur distributes sandals among the poor people he sees barefoot at traffic signals or at railway stations

 

In a country where millions struggle for the bare necessities of food, clothing and shelter, a young engineering student,Nandan Pandya (in pic), is trying his best to meet the gap between the rich and the poor – by distributing footwear among those who do not have the financial capacity to purchase.   So, don't be surprised if, on any given day, you happen be in Navi Mumbai and see a young lad surrounded by street urchins. Pandya (21), who recently moved with his family from Kandivli to Belapur, is trying to understand his new neighbourhood better. Not by looking around for the nearest malls and cineplexes, but by looking for the spaces where poor people can be found in abundance — and small footwear shops.   The philanthropist in Nandan awoke one day in early 2008 when he noticed an old man near a temple at Kandivli walking barefoot. Upon enquiring why he didn’t wear any sandals to protect his feet, the man had replied that due to old age, his feet had expanded and he was unable to find cheap sandals for his large foot size anymore. A shaken yet determined Nandan bought a pair of slippers the next day and gave it to that man. Thus began the beginning of Nandan’s fascination with people’s feet.   “Then I would buy sandals randomly and would never have a plan about where would I being distributing them. I would give the sandals to whomever I would see was without any footwear. And Mumbai abounds with such kind of people; you will see them anywhere, from traffic signals to railway station platforms,” says the shy Nandan, who prefers to live and do his work in oblivion.   At the time, Nandan was studying at KJ Somaiya College in Sion and he had located the shops from where he could purchase sandals, at each station on his way from Kandivli to Sion. On any day, his notebooks would jostle for space with at least three pairs of average size rubber sandals in his bag, and he would spend Rs 800 a month buying them. Nandan is now extending his help around Belapur, as he tries to familiarise himself with the place.   “I feel it is necessary to buy sandals from the small shops so that they too can get a chance to earn. If I see someone without sandals at a particular place and I am not carrying the sandal of that size on that day, I buy it the next day and give it to them. When I am with my friends, I am no different and my friends have no qualms either,” says Nandan.   Nandan ensures to buy only rubber sandals as they are more durable, especially given Mumbai’s monsoon and flooding history. However, there have also been times where a person he remembers giving away a pair of sandals to was seen with no sandals the next day. But he shrugs it off, saying, “The poor cannot do much with a pair of sandals other than just passing it off to someone else. Of course, since the person to whom the sandal is being passed does not have a pair for himself or herself, I am fine in giving a pair of sandals twice to the same person.”   Just out of college, it comes as no surprise that Nandan is contemplating about starting an initiative with his friends, which will distribute food among the poor. All he needs is a push, some help from corporates to fund his work, and the constant encouragement from his parents who are proud of their young son.

 

'Indian executives happy with their jobs'

In a contrast to the gloomy sentiment in the US, Indian executives have higher morale and are more satisfied with their current positions, a survey has said.

According to an Executive Quiz by global executive recruitment firm Korn/Ferry International, close to 50 per cent of the Indian executives surveyed are either extremely or satisfied with their current position compared to just 37 per cent in the US.

"Despite the lacklustre job market (Indian) executives are happy with their jobs, have high employee morale and trust for corporate leadership. There was a 10 per cent variation that was seen with the satisfaction levels in their current position where 37 per cent were satisfied in the US and 47 per cent in India," the survey stated.

In terms of employee morale within their company, 79 per cent of Indian executives said it was 'good' or 'outstanding', followed by 'fair' by 21 per cent but no one said it was poor.

However, 45 per cent of employed executives in the US said the morale was either 'fair' or 'poor' followed by 55 per cent who said 'good' or 'outstanding', the survey revealed.

"In this economic environment, it is heartening to see Indian executives are showing positive signs across parameters such as trust, employee morale and aspirations to climb corporate ladder," Deepak Gupta, managing director, Korn/Ferry International said.

 

Why is wedding ring be worn on the fourth finger

 

Why is wedding ring be worn on the fourth finger ?

This is interesting. Try it out ! 

Why should the wedding ring be worn on the fourth finger? 
There is a beautiful and convincing explanation given by the Chinese..... 

Thumb represents your Parents
Second (Index) finger represents your Siblings
Middle finger represents your-Self
Fourth (Ring) finger represents your Life Partner
& the Last (Little) finger represents your children

Firstly, open your palms (face to face), bend the middle fingers and hold them together - back to back 


Secondly, open and hold the remaining three fingers and the thumb - tip to tip
(As shown in the figure):

  Now, try to separate your thumbs (representing the parents)..., they will 
open, because your parents are not destined to live with you lifelong, and have to leave you sooner or later.
Please join your thumbs as before and separate your Index fingers (representing siblings)... .., they will also open, because your brothers and sisters will have their own families and will have to lead their own separate lives.

Now join the Index fingers and separate your Little fingers (representing your children)... ., they will open too, because the children also will get married and settle down on their own some day.

Finally, join your Little fingers, and try to separate your Ring fingers (representing your spouse).
You will be surprised to see that you just CANNOT....., because Husband & Wife have to remain together all their lives - through thick and thin!!

Please try this out......... ....

ISN'T THIS A LOVELY THEORY?

 

Dont Lose Temper!

This is a true story which happened in the States.  A man came out of his home to admire his new truck. To his puzzlement, his three-year-old son was happily hammering dents into the shiny paint of the truck. The man ran to his son, knocked him away, hammered the little boy's hands into pulp as punishment.  When the father calmed down, he rushed his son to the hospital. Although the doctor tried desperately to save the crushed bones, he finally had to amputate the fingers from both the boy's hands.  When the boy woke up from the surgery & saw his bandaged stubs, he innocently said, "Daddy, I'm sorry about your truck."  Then he asked, "but when are my fingers going to grow back?"  The father went home & committed suicide.........  Think about this story the next time  someone steps on your feet or u wish to take revenge.  Think first before u lose your patience with someone u love.  Trucks can be repaired. Broken bones & hurt feelings often can't. Too often we fail to recognise the difference between the person and the performance.  We forget that forgiveness is greater than revenge. People make mistakes. We are allowed to make mistakes.  But the actions we take while in a rage will haunt us forever. Pause and ponder. Think before you act. Be patient. Forgive & forget. Love one and all.  If you judge people, you have no time to love them.