Thursday, September 12, 2019

Jewels under the Saddle.

JEWELS UNDER THE SADDLE

Once upon a time, what happened did happen.....or you wouldn't be hearing this story!!
A merchant on a casual jaunt through a market, came across a fine specimen of a camel for sale.
The merchant and the camel seller, both skilled negotiators, struck a hard bargain. The camel seller pleased with his skill of worming out what he felt was a very good price, parted with his camel and the merchant chuffed that he had struck a fantastic bargain, proudly walked home with the latest addition to his large livestock.

On arriving home, the merchant called to his servant to come and help him take out the camel's saddle. The unwieldy heavily padded saddle being too difficult for the servant to manage on his own.
Hidden under the saddle, the servant found a small velvet pouch which on opening he discovered to be filled with precious jewels!!

The servant was overexcited!!! "Master you bought a camel.....but see what came FREE along with it!!!"

The merchant was astonished as he looked at the jewels in his servants' palm. They were of extraordinary quality sparkling and twinkling in the sunlight. 
"I bought the camel" he said, "not the jewels. I must return them to the camel seller immediately."

The servant was aghast.....his master was really foolish. "Master.....no one will know."

But the merchant headed right back to the market and handed over the velvet pouch back to the camel seller.
The camel seller was very happy, " I had forgotten that I hid these jewels in the saddle for safe keeping."
"Here, choose one of the jewels for yourself, as a reward."
The merchant said "I paid a fair price for the camel and the camel only, so NO thank you, I do not need any reward."

But as much as the merchant refused, the camel seller insisted.

Finally the merchant said, sheepishly smiling, " Actually when I decided to bring the pouch back to you, I already took two of the most precious jewels and kept them for myself."

At this confession the camel seller was a bit flabbergasted and quickly emptied the pouch to count the jewels. However he was very confused.
"All my jewels are here. What jewels did you keep?

"The two most precious" said the camel seller.

"My INTEGRITY and my SELF-RESPECT."

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How would you explain integrity to a young child?

Roger Jenkins explained it as "The ability to do the right thing or choosing to do the right thing when you could get away with doing the wrong thing."

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Sunday, September 08, 2019

Recession!

Recession ??
Must Read
Banwarilal was a samosa seller in an Indian town. He used to sell 500 samosas everyday on a cart in his locality. People liked his samosas for last 30 years, because he cared for hygiene in preparation and selling, would use good quality oil and other ingredients, provide free chutneys with samosas. He would throw all unsold samosas to poor people, cow, dogs etc and did not sell unsold stale samosas to people next day.

Banwari earned good reputation and enough money from samosa selling and he never faced downfall in his sale in last 30 years. He was able to fund his son's MBA education in a famous private college in Noida out of his earnings.

Recently his son Rohit completed his MBA and came back home as he could not get appropriate placement. Rohit started taking interest in his father's samosa business. He had not been involved in his father's business earlier as he considered that to be an inferior job.

During MBA, Rohit read a lot on recession. He read that it is coming up in global economy and how it will affect job prospects, increase unemployment etc. So he thought that he should advise his father of the risks in the business of samosa selling on account of recession.

He told his father that recession may cause fall in sale of samosas, so he should prepare for cost cutting to maintain the profit.

Banwari was glad that his son knows so much about business and taking interest in his business. He agreed to follow advice of his son.

Next day, Rohit suggested using 20% used cooking oil and 80% fresh. People did not notice the change in the  taste and 500 samosas were sold.

Rohit was motivated by the profit made by this savings. Next day he suggested  increased share of used oil to 30% and reduce the quantity of free chutney.

That day, only 400 samosas were sold and 100 samosas were thrown to poor people and dogs.

Rohit told his father that recession has really set in as predicted by him, so more cost cutting is to be done and they would not throw stale samosas but would fry them again next day and sell them. Quantity of used oil will also be increased to 40% and to make only 400 samosas to avoid wastage.

Next day 400 samosas were sold but customers were not feeling good old taste. But Rohit told his father about savings because of his smart planning. Father told him that he may be knowing better, being educated.

Next day Rohit decided to use 50% used oil, do away with sweet chutney and provided only green chutney, made 400 samosas. That day only 300 samosas could be sold as people started disliking the taste.

Rohit told Banwari "Look , I had predicted great recession is arriving and sales would fall. Now this is happening. We will not throw away these 100 stale samosas but would fry and sell them tomorrow." Father agreed to his MBA son.

Next day, 200 fresh samosas were made with 50% used oil, 100 stale fried samosa were offered for sale but only 200 could be sold as people sensed the drastic fall in quality.

Rohit said that recession has really set in and now people have no money left to spend so they should make only 100 samosas and recycle 100 stale samosas and stop giving paper napkins .

After this only 50 samosas could be sold .

Rohit told his father " Now recession has taken people in its grip. People have lost income. So, this business will be in loss and they should stop selling samosas and do something else."

Now his father started shouting, "I did not know that they teach cheating in the name of MBA. I lost my money in getting your MBA education. In last 30 years of samosa selling, I never had recession but your greed for profit brought recession in my business and caused closure. Get out of my business and I will get it back to earlier level. If you want, I can hire you for washing dishes as that is the only thing you can do despite being MBA educated."

Thereafter , Banwari started following his age old wisdom and fair practices in business. Within a month his sale reached to 600 samosas.

Recession is nothing but convergence of greed of government to extract more taxes, greed of big businesses to be more profitable by reducing quality and using unfair practices and also of careless arrogant employees giving pathetic service as long as profits are coming. Recession is the punishment given to businesses and government by people by restricting their spending.

Sunday, September 01, 2019

Be Prepared. Never take life for granted. Make a Will and have a family continuity plan.

Be Prepared. Never take life for granted. Make a Will and have a family continuity plan.

I will personally request all  to spare few minutes (15 mins) to read this -it is not a professional update but more important than that  :

Content is written by a wife after her husband's death in a road accident.  

"Few things I learnt after my husband's death:-

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

Only when things hit us, bang on your head you realise... Life is so unpredictable....

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

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

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

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

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

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

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

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

I realised I was in for a long haul.

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

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

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

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

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

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

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

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

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

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

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

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

My battles have just begun... But let us at least try and make few changes so that our loved ones would not suffer after we go. We do not know what will happen in the future. But as the Scout motto goes: Be prepared "

NEVER TAKE LIFE FOR Granted, DO THINGS APPROPRIATE FOR THE ONES WHO DEPEND ON YOU WITH LOVE.

NOTE: THIS IS A REAL INCIDENT AND NOT JUST A Forward.

Please read at least 3 times.we are spending lots of time on waste like TV serials, Movies etc. Please spare 15 Min. for your loved one.

Please forward to your friends and family.

Excellent message.

Family management is not only cooking + cleaning + taking care of the dependents but also involves complex operational knowledge of finances...
The above message is a must for every family member. 👍

Friday, July 26, 2019

Karma

KARMA

A small story which beautifully illustrates that what you sow, you reap.

Once upon a time there was a small time business man from a small village who used to sell butter in the nearby town.

A big shop owner in the town was his regular customer.

The villager used to deliver every month the shop owner the required butter in 1 kg blocks and in turn he used to get grocery items like sugar, pulses etc from the big shop owner.

Once the shop owner decided to weigh the butter and to his surprise every block of butter weighed 900 gms. instead of 1kg.

Next month when the villager came to deliver  butter, the angry shop owner told him how he was cheated and told to leave the shop.

To this the villager replied to him courteously, Sir, I am a very poor villager. I don't have enough money to even buy the required weights for weighing the butter. I usually put the 1kg sugar you give me on one side of weighing scale and weigh butter on another side.

This simple story very beautifully illustrates that what we give to others comes back to us. That is karma!

Thursday, July 25, 2019

The Sunflower Trait!

Sunflowers 🌻 turn according to the position of the sun, in other words, they “chase the light.” You might already know this, but there is another fact that you probably do not know!

Have you ever wondered what happens on cloudy, rainy days when the sun is completely covered by clouds?🤔
.
Perhaps you think the sunflower withers or turns its head towards the ground.

Well, that’s incorrect!

Then what happens?

They turn towards each other to share their energy.🌻🌻

Nature’s perfection is amazing; now let’s apply this reflection to our lives. We all want this light and seek it in different ways: in our family, friends, work and so on. But there are always going to be cloudy days, gloomy days, because there is no escaping them!

When this happens, most people become overwhelmed, low-spirited, and the most vulnerable ones, some-times, become depressed.
How about following the example of the beautiful sunflowers 🌻 Supporting and em-powering each other. Nature has so much to teach us.

Wishing everyone a "Sun flower"🌻 trait of turning towards each other on their cloudy and gloomy days.

Spread goodness..it will come back to you 🌻🌻🌻🌻

Monday, June 17, 2019

Salt V/s Rice: Be the salt in someone's life.

Salt -VS- Rice...Be the salt in someone's life.

If you were to cook 3 cups of rice, would you add 3 cups of salt to it?

Certainly not!

So, in every preparation of rice, the rice always outnumbers the salt, yet a little salt makes a huge difference/impact in the overall outcome.

In the room in which you currently are, look up at the ceiling...
What is the size of the bulb compared to the size of the room? It is probably a ratio of 1:5000.
Yet, darkness flees the entire space once the small bulb is flipped on.

If I am the salt of the earth, and the light of the world, then "little me" has the ability to make big things happen..

Sometimes, because we feel outnumbered or overwhelmed at the sheer magnitude of evil or wrong-doers, we then choose powerlessness, and decide to go with the flow, not standing up for what we believe is right.

Little doesn't mean insignificant.
You are significant. Your presence should make a BIG difference. Stop waiting to be on the side of the majority. They may be the majority, but they are the trivial majority, and you are the impactful minority.

They are the rice of the world, and you are the salt of the world..
They are the room and you are the light.
Make your influence felt!

Remember:
You are the world's seasoning, to make it beautiful...

So if we can just do the right seasoning to  make even one life beautiful our life is worth living. Have a blessed day😊

Onwards and Upwards! Be the salt in someone's life today

Friday, June 14, 2019

Is it worth to scale the summit?

On May 22, 2019, Mount Everest saw a traffic jam as 300 mountaineers made it to the summit that day, creating a traffic jam, a picture of which went viral the next day. German alpinist, David Gottler, was not among those who summited. He was just 200 meters from the peak when he turned back. David was also among the lucky ones, This spring, the Everest climb saw 21 mountaineers die while attempting to scale the world’s highest peak – the highest number to die so far!

Why did he turn back despite being an experienced climber who had already conquered five of the 14 different 8000m peaks on Earth, reaching the summits of Gasherbrum II (8035m), Broad Peak (8051m), Dhaulagiri (8167m), Lhotse (8516m) and Makalu (8481m), as well as ascending to 8200m on K2 (8611m)? He took a crucial decision. That day the risks were way too much to attempt to summit despite being so close. 

His experience told him that the crowd trying to reach the peak would make him wait for his turn which could prove fatal as above 26,000 feet you are in the death zone when there isn’t enough oxygen for humans to breathe. The summit of Mount Everest is 8,848 meters (29,029 feet) high, an elevation at which each breath contains only one-third of the oxygen found at sea level. And David was a purist who was climbing without supplemental oxygen.

*At only 200 meters from the peak, David took perhaps the most sensible and courageous decision of his life – to give up the climb and come down.* He didn’t win the mountain that day, but he won over his ego. Only a man without an ego can decide when to give up and when to clench your teeth and push on regardless.

*All our lives we have been constantly told by motivational speakers and others, never to give up and yet here was an experienced mountaineer who simply says that making it to the peak is not all that matters, when even the less experienced ones were summiting that day.*

There were many who went up that day, but in the process exhausted their oxygen supplies while waiting for the queue of other mountaineers to clear up before they could summit. Some of them ran out of oxygen on the way down and died. The true climbers respect the mountains and as Sir Edmund Hillary, the first man to set foot on Mount Everest said; “Human life is far more important than just getting to the top of a mountain.” There are climbers who climb to enjoy the view and not always to plant a flag on the peak.

Sometimes in our lives it is more important on how we enjoy living than how “successful” we are in the eyes of others or even ourselves.

Quitting takes a lot of courage and sometimes only the wise can give up even when success seems so near. They always ask themselves: What is the cost of winning? Is it worth to scale the summit.

Wednesday, February 20, 2019

Wedding in Russia

Wedding in Russia

By Sudha  Narayan Murthy
Wife of Mr Narayan
Murthy,  Infosys )
She writes:

Recently I was in Moscow, Russia.
The Day I Went to the Park, it was a Sunday. It was Drizzling and Cold, though it was Summer. I was Standing under an Umbrella and Enjoying the Beauty of the Place... when Suddenly, My Eyes Fell on a Young Couple.

It Was Apparent that They Had Just Got Married.

The Girl was in Her Mid-Twenties, Slim and with Blonde Hair and Sparkling Blue Eyes. She Was Very Beautiful Indeed.

The Boy Was almost the Same Age and Very Handsome. He Was in a Military Uniform.

The Bride was Wearing a Pretty White Satin Dress, Decorated with Pearls and Pretty Laces.

Two Young Bridesmaids were Standing Behind Her Holding up the Hem of the Wedding Gown, so as not to let it get Dirtied.

One Young Boy was Holding an Umbrella Over Their Heads, so that They Should Not Get Drenched.

The Girl was Holding a Bouquet and the Two Were Standing with Their Arms Linked.

It Was a Beautiful Sight. I  Wondered why They Had Come to the Park in This Rain Soon After Getting Married. They Could Surely Have Gone to a Merrier Place.

I Watched as They Walked Together to the Raised Platform Near the Memorial, placed the Bouquet, Bowed their Heads in Silence, and Slowly Walked Back.

By Now I was  Curious to Know as to What Was Going On...

There was an Old Man Standing With Them. He Looked at Me, My Saree, and asked, ‘Are you Indian ?’

I replied, ‘Yes, I am an Indian.’

And We Began Chatting Amicably. I Decided to use the Opportunity to ask some Questions.

- ‘ How Do You Come to Know English ?’

- ‘ Oh, I Worked Abroad.'

- ‘ Please Tell Me Why that Young Couple Visited the War Memorial on Their Wedding Day ?’

- ‘ Oh, that is the Custom in Russia. The Wedding takes Place Normally on a Saturday or a Sunday.

'Irrespective of the Season, after Signing the Register at the Marriage Office, Married Couples Must visit the Important National Monuments Nearby.

'Every Boy in this Country Has to Serve in the Military for a Couple of Years at Least.

Regardless of His Position, He Must Wear His Service Uniform for the Wedding.’

‘Why is That ?’

'This is a Mark of Gratitude.

Our Forefathers Have Given their Lives in Various Wars That Russia Has Fought.

Some of Them We Won, and Some We Lost, But Their Sacrifice Was Always for the Country.

The Newly Married Couple Needs to Remember That They are Living in a Peaceful, Independent Russia Because of Their Ancestors’ Sacrifices. They Must Ask for Their Blessings.

'Love for the Country is More Important Than Wedding Celebrations.

We Elders Insist on Continuing with this Tradition Whether it be in Moscow, St. Petersburg or any other Part of Russia.

On the Wedding Day They Have to Visit the Nearest War Memorial.’

This Set Me Wondering about What We Teach Our Children Here.

Do We Indians Have the Courtesy to Remember Our Martyrs on the Most Important Day of our Lives ?

We are Busy Shopping for Sarees, Buying Jewellery and Planning & Preparing Elaborate Menus and Partying in Discos etc..

My Eyes filled with Tears at the Thought.. and I Wished that We Indians Could Learn a Lesson From the Russians in This Noble Thought and Custom..

And We Too Could  Respect Our Martyrs Who Sacrificed Their Lives For Our Nation.. and For Our Today and Tomorrow Too...

And From the Heart...!
🙏🙏

Sunday, December 30, 2018

Self Imprisonment!

Before Nelson Mandela left  prison he said "As I stand before the door to my freedom, I realize that if I do not leave my pain, anger and  bitterness behind me, I will still be in prison".
Self imprisonment is worse than that imposed. How many are in self inflicted pains today for lack of forgiveness. How many of us have imprisoned ourselves inside the walls of anger and bitterness.
Holding grudges does not make you strong, it makes you bitter. Forgiveness does not make you weak, it sets you free.
Consider this while you are preparing to move into 2019
Happy Times in 2019

Wednesday, November 28, 2018

Just Drops!

Just Drops!

Recently, when I was going to bed after using my bathroom, I started hearing sound of drops of water from the tap in slow successions, but since it was dropping into an empty bucket, I decided to let it be.

But, alas! When I woke up the next morning, around 5am, the bucket was almost full! I was surprised that just drops even in such slow successions could produce that much. I couldn't help it, 'Just drops?!' I questioned rhetorically.

But the following night, I made sure that the tap in my bathroom was locked completely and I checked the bucket and saw that it was empty, though wet. Then I went to sleep.

I guess you already know what I saw the next morning. The bucket was not wet as I had left it, but it was now dry!

Then I realized the importance of a drop and how much difference it can make in all ramifications of one's life compared to a dry tap.

Imagine letting the drops be for a year, I would be scooping with drums at the end of the year!

So, how about that drop of savings?

How about that drop of kindness and love everyday?

How about a drop of reading useful books today and every day?

How about that drop of a verse of the scripture today and every day?

How about that drop of prayer today and every day?

How about a drop of worship today and every day?

How about a drop of step towards your God-given dream today and every day?

How about a drop of giving into your heavenly account?

What virtue and discipline will you start today in little drops?

Never neglect the importance of a drop, for when the harvest time comes, you would have made a big difference.

......Ponder on this thought