Wednesday, December 04, 2019

You are your Word.

You are your Word.

Why did you tell lies yesterday?

No, I’m not accusing you of anything. But you did lie. You told someone you’ll call them back in 5 minutes and you didn’t. You told yourself that you’ll wake up early to meditate, and you didn’t. What other “lie” did you tell yourself or others?

You thought there would be no consequences. No repercussions. What difference does it make if I call someone in 20 minutes, instead of 5? What difference does it make that I told my friend that I’m already in the taxi on my way, while I was really just leaving the house?

Well, I hate to be the one to break it to you, but you’ve just sabotaged your own communication with the Universe.

Believe it or not, the Universe is hanging on your every word, and every time you say something that you don’t intend to fulfil, your words lose power. And when the time comes to tell the Universe what you really want, it doesn’t believe you. It thinks that you’re just say these words casually without any actual commitment behind it.

This is the second Yama  of Patanjali: Non-Lying ( Asatya). Which isn’t lying in the traditional sense of the word, but to use and choose your words carefully so that you don’t cripple their power. When you say something and then act in accordance to what you said, you strengthen their power. Patanjali says that once you’ve mastered this quality, your every word has the power to create reality, even to the point that the Universe will have to rearrange itself to align with your words . This is the secret behind the miracles performed by saints; when they heal someone, or change people’s circumstances merely by saying it is so.

When you align with Truth, then Life itself aligns with you, and turns your words into mantras.

In the beginning, to practice this virtue, start every day by consciously measuring your words. If you say you’ll be there in 5 minutes, make sure you are, otherwise don’t say it. As you practice this you will realise how careless we tend to be with our words, and how casually we use them.

Friday, November 08, 2019

Power of Silence

Power of Silence

There once was a farmer who discovered that he had lost his watch in the barn. It was no ordinary watch because it had sentimental value for him.

After searching high and low among the hay for a long while; he gave up and enlisted the help of a group of children playing outside the barn.

He promised them that the person who found it would be rewarded.

Hearing this, the children hurried inside the barn, went through and around the entire stack of hay but still could not find the watch. Just when the farmer was about to give up looking for his watch, a little boy went up to him and asked to be given another chance.

The farmer looked at him and thought, “Why not? After all, this kid looks sincere enough.”

So the farmer sent the little boy back in the barn. After a while the little boy came out with the watch in his hand! The farmer was both happy and surprised and so he asked the boy how he succeeded where the rest had failed.

The boy replied, “I did nothing but sit on the ground and listen. In the silence, I heard the ticking of the watch and just looked for it in that direction.”

A peaceful mind can think better than a worked up mind. Allow a few minutes of silence to your mind every day, and see, how sharply it helps you to set your life the way you expect it to.

Tuesday, October 08, 2019

Suffering cannot survive in the NOW.

Suffering cannot survive in the NOW.

The whole essence of Zen consists in walking along the razor's edge of Now... to be so utterly, so completely present that no problem, no suffering, nothing that is not who you are in your essence, can survive in you. In the Now, in the absence of time, all your problems dissolve.

Suffering needs time; it cannot survive in the Now.
~Eckhart Tolle

Every Suffering is a Buddha seed.

If there was no suffering in your life, you will be comfortably sleeping and there would have been no possibility for you to awaken. That's why nature allows suffering & pain for you to Awake spiritually! This is part of our evolution. There is great potential in us. Life is Great 😁🙏

Friday, September 20, 2019

Types of Teachers in Sanskrit.

Sanskrit words for 'teacher' based on their unique abilities...

1. The teacher who gives you information is called: Adhyapak

2. The one who imparts knowledge combined with information is called: Upadhyaya

3. The one who imparts skills is called: Acharya

4. The one who is able to give a deep insight into a subject is called: Pundit

5. The one who has a visionary view on a subject and teaches you to think in that manner is called: Dhrishta

6. The one who is able to awaken wisdom in you, leading you from darkness to light, is called: Guru

Sanskrit is perhaps the only language that has such a refined vocabulary to distinguish the different kinds of teachers.

Thursday, September 19, 2019

What is Meditation?

What is meditation?

This was a question haunting a small boy. His parents were  at wit's end, as they could not explain it in a simple language the boy could comprehend.

Once the family went for a dharshan to Shri Ramana Maharishi. The boy put forward his question to Ramana Maharishi.

Shri Ramana laughed to himself. Then with smiling face, he asked his devotee to serve  the boy dosa from the kitchen.

So, on a plain leaf, a dosa was served. Shri Ramana looked at the boy and said,
" Now I will say "Hmm"
Then only you should start eating. Then again I will say "hmm" After that no piece of dosa should be left on your plate."
The boy agreed. He was so excited. Others were watching expectantly.  Now the boy  was eagerly waiting for the signal by looking at Shri Ramana's face. When he gave the signal "hmm" the boy started eating. Now his attention was on Shri Ramana. He wanted to finish dosa before the signal. The boy was eating dosa in a hurry , tearing big chunks of dosa,  but, all the time keeping his attention on Shri Ramana. The dosa was reducing in size gradually. There was a small piece left. The boy was looking anxiously  at Shri Ramana for the second signal. The moment he gave the  signal, the boy immediately put the dosa in his mouth.

Now Shri Ramana asked him " where was your attention till now? On me or on Dosa?"

The boy replied " On both"

Shri Ramana said" Yes. You were actively involved in finishing dosa, with your attention on me. You were not distracted at all.
Like this when you do your daily activities with your attention or thoughts  on God in the back ground, it is known as meditation."

The two signals "hmm" are birth & death. Within these two events, one can engage in meditation, as demonstrated by Shri Ramana Maharishi. But to understand this we all need divine grace to mellow & mature. We all differ from each other and hence take different time to comprehend this great truth.

Wednesday, September 18, 2019

Story of Sylvester Stalonne, Rocky Balboa.

Sylvester Stallone is one of the most famous American Movie stars.. With characters like Rocky and Rambo he is a household name in the hearts of millions.

During birth, a wrong gynecological procedure caused Stallone to have one sided paralysis. At school, his middle class being and his facial paralysis became a thing for others to make fun of.

He started body-building because he wanted to frighten those who bullied him. Slowly he started thinking of a career in movies.

Around 1974, he had a pregnant wife, a dog that he loved a lot, a lot of bills to pay and no success in his movie career.

What he still had was a belief in his dream that he will make it big.

Soon a time came when he went broke. He was heavily under debt.

Restless, anxious, stressed and still loaded with hope that he WILL make it big.

Things got so bad that he had to sell his wife’s jewelry and ended up homeless. Sleeping at the New York Bus station for 3 days.

The cold American winter forced him to choose between electricity and his dog. He stood outside a local store and sold his dog for $25.

Two weeks later, on TV he watched a boxing match between Mohammed Ali and Chuck Wepner. That match was like a flash of divine inspiration… For the next 20 hours he sat and wrote the script of what today is a cult movie, ROCKY.

In the words of Stallone himself, “After nearly 1500 rejections”,  he got a production house to offer $125,000 for the script.

Despite the poverty, pains, pregnant wife and lost dog… His dream was to STAR in the movie  as the MAIN LEAD.

In an era when heroes were super handsome men and spoke fluently, a body builder with a facial paralysis that made him stammer while speaking, made Stallone the wrong choice for any role.

The studio bluntly rejected his offer… And Stallone went back home with another failure.

A few weeks later,the studio offered him  $250,000 for the just the script, and not him.

He refused.

Soon they offered  $350,000 for the script but not him.

At that time everyone was pushing him to accept.. It would be MAD not to do so.. He was making a fortune.

He still refused.

Someone in the studio really loved his script, and as fortune favors the brave.. They finally accepted to give $35,000 for the script and have him as the lead star.

The rest as they say is history!

The movie was made for $1 million and went to make around $200 million.

It won the Oscar for Best Picture, Best Direction and Best Film Editing.

Stallone was a “bankable” hero for the next 20yrs, till the late 90s… with his movies making billions of dollars.

And what did he do with the first $35,000?

He stood outside the liquor store, where he sold his dog, for 3 days. Identified the man who had bought it, and finally got him back for $15,000.

AND IN THE WORDS OF ROCKY BALBOA –
“Let me tell you something you already know. The world ain’t all sunshine and rainbows. It’s a very mean and nasty place and I don’t care how tough you are it will beat you to your knees and keep you there permanently if you let it. You, me, or nobody is gonna hit as hard as life. But it ain’t about how hard ya hit. It’s about how hard you can get hit and keep moving forward. How much you can take and keep moving forward. That’s how winning is done!”
― Sylvester Stallone, Rocky Balboa

Sunday, September 15, 2019

Some startup this 👌: Syndicate Bank

Some startup this 👌: Syndicate Bank

With bank mergers taking place and banks losing their identity, here is a little-known story of once-private Syndicate Bank, which started with a 25-paise deposit...

There are three reasons why Syndicate Bank is important in the evolution of India as a wealth generator, and for working towards the upliftment of the masses.

Firstly, it was born out of a belief that an innovative person cannot really generate wealth for himself on a sustainable basis unless he works out a way to make his community wealthy as well.

Secondly, it was the only large bank in India to locate its headquarters in a rural area – in the 1930s Manipal was still a village.

Thirdly, even before CK Prahalad arrived on the scene, its promoters knew about how wealth could be found at the bottom of the pyramid.

At a time when all banks insisted on Rs 5 as the minimum deposit amount to open an account, Syndicate’s promoters opened accounts with just 25 paise.

Unfortunately, this is a story that most management schools too do not teach.

The bank itself was a brainchild of Tonse Madhav Anant Pai, who went to Bangalore to study medicine. 

He excelled in his studies, and when earning his licence to practise medicine, he went back home to the fishing village of Malpe. 

He asked his parents if he could go to Japan for further studies, but was told sternly by his mother that he should stay in the same village and practice medicine for the welfare of the people he grew up with.

That broke the boy's heart. He wanted to study more. 

And he knew that a fishing village would provide him neither money, nor the intellectual challenge.

He was proved right.  In six months' time, he confirmed that a fishing village had only colds, fevers, diarrhoea, dysentery and indigestion as regular ailments. 

He tried persuading his parents one more time to let him go overseas for further studies.

Once again, he was rebuffed. His relatives would talk of how the boy would go to sleep sobbing into his pillow crying over the unfairness of life.

Till one day, he had his Eureka moment. He realised that one reason why he was not earning enough was because the people around him were also not earning enough.

Could he change that?

He began strategizing a social revolution that India had never seen or imagined.
He knew, as a doctor, that children are brought to doctors invariably by mothers; seldom by fathers.

So he focussed on the women who came to him.  He began urging them not to let their children end up like their fathers who were good only for fishing and then getting drunk when they returned to home base.

The cleaning of the fish, selling them, managing provisions, balancing incomes with expenses was left to women.

If there was any surplus money, the man demanded it, and got drunk with that money.

So he urged the women to save.

But they told him that there wasn’t enough money for saving.  He would then ask them to show how much money they had.  They would show him a few coins. 

He would gently take a 25 paise coin from each woman and tell her to start with this.

Since he was not a bank, he kept two notebooks for each woman – one kept with him and the other with the woman.

He told them that he would send his compounder over to her house every day when the husband was not around.

If they could save 25 paise, the amount would be registered in both the notebooks.

The scheme, backed by constant persuasions and exhortations, worked.

Women began saving.  In a few months, Pai realised he had more than a thousand rupees – which translates into a few lakhs using today’s valuations.

The 25 paise deposit scheme came to be known as the Pygmy Deposit scheme.

It was time to go to phase 2 of the plan.  He told them that their children were falling ill very frequently because they consumed only fish and rice.

He urged them to give the children a glass of milk every day.  That was impossible. A glass of milk was unaffordable.

So Pai urged them to buy a cow for their houses. 

They laughed: "We cannot afford a glass of milk, and you want us to buy a cow?".

But Pai gently told them that he could finance the cows for the women.

And repayment was also painless, he explained: "Just give your child a glass of milk, and I shall purchase the rest of the milk from you and adjust the cost of the cow. 

You don't have to do anything else."
It took a while to persuade the first woman.

But when she agreed, it was a game of "me too".

Within a short while, there were so many cows in the village that Pai could not purchase all their milk.

He therefore formed a milk cooperative.

To handle the amount of money coming in he started a bank - Canara Industrial and Banking Syndicate Ltd - with its headquarters in Manipal.

The first branch of the bank started its operations in 1925 at Udupi in Karnataka.

By 1937, it had secured its membership as a clearinghouse in Mumbai.

He then started weavers’ cooperatives, who too were financed by the bank.

Then to benefit the community he began schools, then colleges and then institutions that taught engineering and medicine. 

This complex later became the prestigious Manipal Educational Complex.

In fact, to grow the bank, Pai used to look around for good businessmen, who had the urge to grow and both the ability and willingness to repay the amounts borrowed.

In one of his travels, he met a trader, whom he helped get a yarn licence from the government.

That businessman was Dhirubhai Ambani,

And that is how a member of the Pai family remained on the board of Reliance Industries as long as he was alive.

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. 👍