Rules are after all man made.
They have their own inefficiencies, insufficiency and turn inadequate over a period of time.
A constant, continuous review and re framing the existing old rules will only make life more meaningful, and worth living.
Fools will only always repeat always go after the old beaten path for ever.
Where ever the old ideas are relevant and good we have to follow them.
But not always all old laid down rules and regulations to be followed blindly.
Constant review is required due to the changing life style and improved technological use of resources and time.
Share Market is supported and controlled by the Government with their own rules and regulations.
But are all the rules are OK.
Should all the rules be simply obeyed.
If reorient our thought process and change the rules of the Share Market will the world be destroyed.
No - never - only one should have the will.
The ever raising prices of Oil Products like Petrol, Diesel, Gas, Kerosene etc., is causing much harm to whole human race which will one day find it difficult to live peacefully.
Hence there should be some soul searching and the Government if it wants to continue to be a Government for the people by the people and of the people go in for a shake up in the rules of the Share Market and decide as follows.
All the shares from the existing share holders of Oil Companies is to be purchased back and re allotted to the actual consumers of Oil Products in the weighted proportion.
All automobile users should be allowed to opt for shares depending on the capacity of vehicle they use and shares should be allotted on an yearly basis so that the consumer will be the shareholder in the oil companies depending on the number and the capacity of vehicles he owns.
Then the profit will be automatically flowing to him making him less nervous.
I used to laugh at one funny observation made by many a Chairman in their Annual Reports
When it is a Government owned or Government controlled organization nobody think about the accountability or profitafibility of the organization.
But when there are shareholders the Chairman says that he is accountable to the shareholders and there fore should run the organization profitably.
Why / Why / This Foolishness .
Every organization whether it is a Government Department or Government Organization or a Private Organization every organization should be run efficiently, effectively and profitably.
There can be no second opinion to this Truth.
Government offices also can earn profits by way of no complaints, no delays and proper implementation of all purposeful rules and regulations.
These can amount to their profit and when that notional profit is not achieved by any head of an institution, department he can be punished by demotion, cut in pay and perks and even dismissal if he is not improving.
I used to feel funny whenever a customer comes into my Branch of State Bank of India and demand better service because we are dealing only with his money.
I never failed to provide the best service possible and all customers invariably left fully satisfied and happy once they meet me.
I used to invite periodically the consumer forum members of the area where I work and ask voluntarily about their feedback about my work.
They only felt frustrated because as long as I remained in that place nobody had any chance to visit their office or complain about anything and hence they felt neglected and lost importance in the eyes of the local public as far as my Branch is concerned.
Of course we deal with people's money in the Banks.
But here at least we keep them safe and return it to them.
But the Government collecting money from the people is not always providing the services it is supposed to provide properly whichever may be the party that holds office in the Government.
It is also only the people's money and that too they are not sure getting back by way of services.
May the lot of our brethren be improved with Divine Grace
All the Best
Thursday, June 30, 2011
Stray Thoughts to Stay Forever
Thought for the Day
Most of the people in this world never think - they only worry.
Thinking is Good - Worrying is Bad.
Learn & Start Thinking
Salaries are paid mostly for all on the last day of the month.
Every month end ATM go dry early.
Queues are found before ATMs - Shops etc..
Calculations are done and Interests are paid every month end and even computers are at times overworked.
Is all this nonsense required.
Cannot we stop and think for a while.
What is the significance of a month end or a month beginning.
Salaries can be well planned and staggered to be disbursed on different dates for different set of people so that the exercise and all the above exercises can be done throughout the month spread uniformly on all days.
Most of us want to go in the same used old paths followed by our elders.
Need not be always.
We can start thinking afresh and wherever possible find new paths and establish new traditions and improve our life.
Man has foolishly made life more complicated and cumbersome only because when he changed his lifestyle he continues to follow the old established ways of life.
When there is a change in your thinking lifestyle etc., think also differently the way you live and work and find and set new and newer trends making life more easy and comfortable to enjoy living.
Let us start thinking.
Most of the people in this world never think - they only worry.
Thinking is Good - Worrying is Bad.
Learn & Start Thinking
Salaries are paid mostly for all on the last day of the month.
Every month end ATM go dry early.
Queues are found before ATMs - Shops etc..
Calculations are done and Interests are paid every month end and even computers are at times overworked.
Is all this nonsense required.
Cannot we stop and think for a while.
What is the significance of a month end or a month beginning.
Salaries can be well planned and staggered to be disbursed on different dates for different set of people so that the exercise and all the above exercises can be done throughout the month spread uniformly on all days.
Most of us want to go in the same used old paths followed by our elders.
Need not be always.
We can start thinking afresh and wherever possible find new paths and establish new traditions and improve our life.
Man has foolishly made life more complicated and cumbersome only because when he changed his lifestyle he continues to follow the old established ways of life.
When there is a change in your thinking lifestyle etc., think also differently the way you live and work and find and set new and newer trends making life more easy and comfortable to enjoy living.
Let us start thinking.
Friday, June 24, 2011
Banking in India - Financing Small Traders, Self Employed Persons, SHGs
Random Thoughts by an erstwhile Bank Manager.
Banking is a big funny exercise in India.
Many a Banker do not think seriously and that is why they are still stable.
We mix Banking with being a Government Agency for implementing its program mes, and do social banking and mass banking which no foreign bank can do successfully and survive.
Hence no banker knows what he is doing exactly at a particular time.
Whether he has to act as a
1) Commercial Banker
2) a Government Agency - an extended arm of the Government
3) a social welfare organization
4) catering to a large crowd of customers in a mass banking exercise etc..
Lending is of different kinds
Big Institutional, Corporate and Commercial advances have their own rules and regulations and work under already well laid down procedures to cater to their needs.
But till date the banks have not devised a system to extend, monitor and recover credit facilities to the very small tiny traders, self employed persons like hair dressers, plumbers, electricians etc., and the SHGs.
Big Customers have exclusive staff to go to the bank daily and operate their accounts.
But these small people have no assistance or time to visit the bank regularly as expected by the Bank.
Many a time a good hardworking sincere honest person belonging to these categories prefer to go in for private money lenders than coming to a bank because he has no time or assistance to spend at these banks.
The money lender is providing easy access, operate at convenient timings and locations and very customer friendly.
The banks have to find out ways and means to compete with the private money lender if it wants to really serve the masses in India as they many claim to do so often.
Only those who have no real work, lazy and plan to loot the bank by deciding to be a defaulter from the beginning have time and inclination to visit the banks several times and submit themselves to all the formalities that the banks may demand because their intention is only to defraud the bank.
And the growing NPAs in this segment is only because of the above mentioned reasons.
Similarly the SHGs lament that once in a month they have to waste one whole day in the bank to meet their requirements.
This is not needed.
Only some intelligent thinking and planning on the parts of the planners of the various banks can easily solve these problems.
Writing off of Agricultural debts periodically.
The various Governments' schemes of writing off of Agricultural debts now and then have a very bad effect on the honest agriculturists.
Slowly they are also tempted not to repay agricultural advances in time so that they can also wait and try their luck if a writing off of agricultural advances scheme is announced by the Government.
I have all the sympathy for the agriculturists as they have the right only to work and are not sure of their produce reaching their home in right quantity and quality and reimburse them if not more atleast equal to their investment labor and expectations.
The Governments when announcing such schemes can also as a goodwill gesture reward the prompt and honest lucky persons who have repaid their loans so that they will not feel bad for having been honest, hardworking and lucky.
All the Best
Banking is a big funny exercise in India.
Many a Banker do not think seriously and that is why they are still stable.
We mix Banking with being a Government Agency for implementing its program mes, and do social banking and mass banking which no foreign bank can do successfully and survive.
Hence no banker knows what he is doing exactly at a particular time.
Whether he has to act as a
1) Commercial Banker
2) a Government Agency - an extended arm of the Government
3) a social welfare organization
4) catering to a large crowd of customers in a mass banking exercise etc..
Lending is of different kinds
Big Institutional, Corporate and Commercial advances have their own rules and regulations and work under already well laid down procedures to cater to their needs.
But till date the banks have not devised a system to extend, monitor and recover credit facilities to the very small tiny traders, self employed persons like hair dressers, plumbers, electricians etc., and the SHGs.
Big Customers have exclusive staff to go to the bank daily and operate their accounts.
But these small people have no assistance or time to visit the bank regularly as expected by the Bank.
Many a time a good hardworking sincere honest person belonging to these categories prefer to go in for private money lenders than coming to a bank because he has no time or assistance to spend at these banks.
The money lender is providing easy access, operate at convenient timings and locations and very customer friendly.
The banks have to find out ways and means to compete with the private money lender if it wants to really serve the masses in India as they many claim to do so often.
Only those who have no real work, lazy and plan to loot the bank by deciding to be a defaulter from the beginning have time and inclination to visit the banks several times and submit themselves to all the formalities that the banks may demand because their intention is only to defraud the bank.
And the growing NPAs in this segment is only because of the above mentioned reasons.
Similarly the SHGs lament that once in a month they have to waste one whole day in the bank to meet their requirements.
This is not needed.
Only some intelligent thinking and planning on the parts of the planners of the various banks can easily solve these problems.
Writing off of Agricultural debts periodically.
The various Governments' schemes of writing off of Agricultural debts now and then have a very bad effect on the honest agriculturists.
Slowly they are also tempted not to repay agricultural advances in time so that they can also wait and try their luck if a writing off of agricultural advances scheme is announced by the Government.
I have all the sympathy for the agriculturists as they have the right only to work and are not sure of their produce reaching their home in right quantity and quality and reimburse them if not more atleast equal to their investment labor and expectations.
The Governments when announcing such schemes can also as a goodwill gesture reward the prompt and honest lucky persons who have repaid their loans so that they will not feel bad for having been honest, hardworking and lucky.
All the Best
Tuesday, June 21, 2011
Water - Water - Water - Let us stop and think a moment.
Almost every year Tamilnadu and Karnataka fight for Cauvery Water.
If there is surplus water Karnataka has no other go but to release water to Tamilnadu as otherwise cities in Karnataka will be submerged in water.
At times the ever growing Bengaluru itself will not even have any drinking water.
I once saw the Krishnaraja Sagar Dam completely bone dry and then how can Karnataka release water to Tamilnadu ?
There is another suggestion.
Both the rivers Gothavari with perennial flow of water and Krishna are in Andhra Pradesh only.
Gothavari often floods and damages number of villages causing huge losses of life and resources.
If we connect Govathavari and Krishna then the surplus water in Gothavari will flow into river Krishna and Krishna river will be full of water throughout the year.
Now the canal connecting Krishna river and Chennai in Tamilnadu runs through dry stretches of Andhra Pradesh.
If surplus water flowing from Gothavari into Krishna is diverted to Chennai through this canal it will help irrigation en route in the dry Andhra Pradesh villages and reach Chennai providing much needed drinking water to Chennai all the 365 days.
Now this surplus water after satisfying the needs of the Chennai Population can be used otherwise also.
Ms.Jayalalitha the present Chief Minister of Tamilnadu has laid pipes from Veeranam Lake to Chennai successfully.
These pipes can be used in the reverse direction to take Gothavari - Krishna water that reached Chennai to Veeranam lake by pumping the opposite way.
Then Gothavari would have reached Veeranam Lake.
Already Veeranam Lake is connected to Cauvery with the help of Raja Canal.
The otherwise usually empty Veeranam Lake which is also bone dry during the Summer will also receive the much needed and available Gothavari water from Chennai.
The surplus in Veeranam Lake can be diverted through Raja Canal into Cauvery River so that it can flow to the fertile Tanjore fields providing the life to grow Paddy and other agricultural products always.
Gothavari - Krishna - Chennai - Veeranam Lake - Cauvery - Tanjore Fields
Gothavari Krishna link to be provided by Andhra Pradesh Government as both the rivers are in the same State with necessary aid from the Central Government and the Government of Tamilnadu, the beneficiary.
Krishna Chennai canal is already there.
Water can be drawn from this canal to serve en route villages in Andhra Pradesh also.
From Chennai to Veeranam the water can be pumped through the existing pipe lines in the opposite direction.
Veeranam will feed the Cauvery River through the Raja Canal in the opposite direction.
Gothavari water will reach the fertile Tanjore fields for Agricultural operations.
Mother Gothavari has the potential to meet all the above demands and flooding of river Gothavari will be past history.
Think it over. All the Best.
If there is surplus water Karnataka has no other go but to release water to Tamilnadu as otherwise cities in Karnataka will be submerged in water.
At times the ever growing Bengaluru itself will not even have any drinking water.
I once saw the Krishnaraja Sagar Dam completely bone dry and then how can Karnataka release water to Tamilnadu ?
There is another suggestion.
Both the rivers Gothavari with perennial flow of water and Krishna are in Andhra Pradesh only.
Gothavari often floods and damages number of villages causing huge losses of life and resources.
If we connect Govathavari and Krishna then the surplus water in Gothavari will flow into river Krishna and Krishna river will be full of water throughout the year.
Now the canal connecting Krishna river and Chennai in Tamilnadu runs through dry stretches of Andhra Pradesh.
If surplus water flowing from Gothavari into Krishna is diverted to Chennai through this canal it will help irrigation en route in the dry Andhra Pradesh villages and reach Chennai providing much needed drinking water to Chennai all the 365 days.
Now this surplus water after satisfying the needs of the Chennai Population can be used otherwise also.
Ms.Jayalalitha the present Chief Minister of Tamilnadu has laid pipes from Veeranam Lake to Chennai successfully.
These pipes can be used in the reverse direction to take Gothavari - Krishna water that reached Chennai to Veeranam lake by pumping the opposite way.
Then Gothavari would have reached Veeranam Lake.
Already Veeranam Lake is connected to Cauvery with the help of Raja Canal.
The otherwise usually empty Veeranam Lake which is also bone dry during the Summer will also receive the much needed and available Gothavari water from Chennai.
The surplus in Veeranam Lake can be diverted through Raja Canal into Cauvery River so that it can flow to the fertile Tanjore fields providing the life to grow Paddy and other agricultural products always.
Gothavari - Krishna - Chennai - Veeranam Lake - Cauvery - Tanjore Fields
Gothavari Krishna link to be provided by Andhra Pradesh Government as both the rivers are in the same State with necessary aid from the Central Government and the Government of Tamilnadu, the beneficiary.
Krishna Chennai canal is already there.
Water can be drawn from this canal to serve en route villages in Andhra Pradesh also.
From Chennai to Veeranam the water can be pumped through the existing pipe lines in the opposite direction.
Veeranam will feed the Cauvery River through the Raja Canal in the opposite direction.
Gothavari water will reach the fertile Tanjore fields for Agricultural operations.
Mother Gothavari has the potential to meet all the above demands and flooding of river Gothavari will be past history.
Think it over. All the Best.
Subject: Thought Explosion Sheet
Dear All
Radhasoami
Life has become more challenging, demanding and complex.
We have our own ups and downs and it leaves its footprints on our mind and affect our moods
We need true friends to share our sorrows and mostly we need some one who can just listen and only listen patiently to the tales of our journey of life to have a safe and trusted vent
Find someone and share your thoughts to relieve you of the burden of carrying your struggles and get relaxed
The first step is to write them down on a paper and if needed tear it and destroy it safely after some time
Enjoy the relief and letting out
Have a safe outlet lest the lid may blow off in due course
Meditation and submission to Huzur also a way of Relief but that requires practice and HIS Grace Abundance Grace
May Huzur Bless us All with HIS GRACE in ABUNDANCE to be true children of Radhasoami Dayal
With Prayers to the Lotus Feet of our Great Masters
Aranganathan
Radhasoami
Life has become more challenging, demanding and complex.
We have our own ups and downs and it leaves its footprints on our mind and affect our moods
We need true friends to share our sorrows and mostly we need some one who can just listen and only listen patiently to the tales of our journey of life to have a safe and trusted vent
Find someone and share your thoughts to relieve you of the burden of carrying your struggles and get relaxed
The first step is to write them down on a paper and if needed tear it and destroy it safely after some time
Enjoy the relief and letting out
Have a safe outlet lest the lid may blow off in due course
Meditation and submission to Huzur also a way of Relief but that requires practice and HIS Grace Abundance Grace
May Huzur Bless us All with HIS GRACE in ABUNDANCE to be true children of Radhasoami Dayal
With Prayers to the Lotus Feet of our Great Masters
Aranganathan
Monday, June 20, 2011
I saw a Beggar
Today I saw a beggar.
In a side street crouched closely to a big wall in a corner like a frightened animal.
He was short, black and dirty and had a lean body frame.
Who is he ?
Born to a beggar. I do not know. May be or may not be.
He too would have born to normal parents but may not be rich when compared to others.
Many become beggars because they are lazy and they find begging very profitable and comfortable.
No worries, No struggles except a fight or two with some stray dogs or with some anti social thief.
No tax planning and No restrictions.
I have seen the following beggars many years ago.
In Tuticorin a port town in Tamilnadu one old man used to beg near a railway gate on the road near the sea.
To my astonishment one day I saw the Branch Manager of Grindlays Bank stopping his car near him to wish him a Good Day.
I later found that(imagine this was in 1970) this beggar had a deposit to the tune of Rs.10,000/- and is a valuable customer of Grindlays Bank, Tuticorin.
I have seen many beggars lending money to shopkeepers regularly.
In Vellore another town in Tamilnadu I found a girl of age around 20 begging in trains bound for then Madras and Bangalore and she owned three houses in the town of Vellore and was collecting rent from the tenants and had a big balance in her Bank Account.
But she continued her profitable venture of begging regularly.
On seeing all these I have stopped giving alms to any one who come begging to me as I not sure whether I am better off than them financially.
And when you encourage beggars it is heard that seasoned beggar criminals catch hold of young children maim them and force them to go around begging inviting the sympathy of those who suspect nothing but believe and donate liberally.
Now a days I find that big reputed companies in the fields of manufacture etc., and service providers in the field of communication etc., behaving like beggars and at time ordinary beggars are thousand times better than these white collared multi million turnover company bosses the so called industrialists and big shots of commerce.
These people reject supplies on wrong reasons and then steal them silently, and again they steal from crores of mobile users by stealing stealthily a meagre amount of one rupee from a connection now and then but the amount they collect at the end of the operation is a few crores of Rupees.
These big Managers, owners and bosses of huge empires of business and commerce and industry are the real beggars of today and I am sure that their mom would have slept with a beggar to give birth to these bastards.
But in the society they are recognized as big industrial tycoons.
God save us from these goonda elements.
In a side street crouched closely to a big wall in a corner like a frightened animal.
He was short, black and dirty and had a lean body frame.
Who is he ?
Born to a beggar. I do not know. May be or may not be.
He too would have born to normal parents but may not be rich when compared to others.
Many become beggars because they are lazy and they find begging very profitable and comfortable.
No worries, No struggles except a fight or two with some stray dogs or with some anti social thief.
No tax planning and No restrictions.
I have seen the following beggars many years ago.
In Tuticorin a port town in Tamilnadu one old man used to beg near a railway gate on the road near the sea.
To my astonishment one day I saw the Branch Manager of Grindlays Bank stopping his car near him to wish him a Good Day.
I later found that(imagine this was in 1970) this beggar had a deposit to the tune of Rs.10,000/- and is a valuable customer of Grindlays Bank, Tuticorin.
I have seen many beggars lending money to shopkeepers regularly.
In Vellore another town in Tamilnadu I found a girl of age around 20 begging in trains bound for then Madras and Bangalore and she owned three houses in the town of Vellore and was collecting rent from the tenants and had a big balance in her Bank Account.
But she continued her profitable venture of begging regularly.
On seeing all these I have stopped giving alms to any one who come begging to me as I not sure whether I am better off than them financially.
And when you encourage beggars it is heard that seasoned beggar criminals catch hold of young children maim them and force them to go around begging inviting the sympathy of those who suspect nothing but believe and donate liberally.
Now a days I find that big reputed companies in the fields of manufacture etc., and service providers in the field of communication etc., behaving like beggars and at time ordinary beggars are thousand times better than these white collared multi million turnover company bosses the so called industrialists and big shots of commerce.
These people reject supplies on wrong reasons and then steal them silently, and again they steal from crores of mobile users by stealing stealthily a meagre amount of one rupee from a connection now and then but the amount they collect at the end of the operation is a few crores of Rupees.
These big Managers, owners and bosses of huge empires of business and commerce and industry are the real beggars of today and I am sure that their mom would have slept with a beggar to give birth to these bastards.
But in the society they are recognized as big industrial tycoons.
God save us from these goonda elements.
Traffic, Accidents, Violations and Some Good Things
Everyone has to face nowadays one nightmare compulsorily in life and that is facing the traffic and traveling in crowded cities by whatever mode of transport one chooses.
One side the National Highways are improved with 4 lane traffic etc., and on the other side volume of traffic has increased to a choking point that traveling is no more a pleasure but it is better today than it was yesterday. That is all.
Life is nothing but a clash of common interests with time, space, opportunity etc., constraints.
It is true and applicable to traffic also.
If every body has got sufficient time and more space then except accidents due to mechanical and human failure no other accidents that occur due to paucity of time and space will happen.
When two expert drivers meet each other from opposite sides then normally no accident will occur.
When one expert driver and another foolish driver meet each other from opposite sides then occasionally accidents may occur.
When two fools are at the driving wheels of their respective cars and when they meet each other from opposite sides then most probably an accident may occur most of the times.
Driving is anticipation.
Due to the growing traffic in many cities tempers run high when there are violations in following traffic rules and we see often both the parties hurling abuses on each other and ending in an unpleasant situation.
Violations may happen at time for no fault of any one driver because of the time and space constraint etc., then it is better to throw a warm smile on the other one and go around happily with a pleasant feeling.
I remember now the drivers of Darjeeling mountain road jeeps who if they happen to come in front of another one in the middle of the road especially in the curves politely back up throw a sorry and go away smiling leaving every one happy.
When you meet an offender on the road stop smile and go away happily.
I always stopped my two wheeler or car at the right time whenever anyone wrongly crosses my path and my warm smile at them was always responded to by them with a bowed head and in silence they used to suffer the shame they had put them in.
Have a good day and Drive around happily.
One side the National Highways are improved with 4 lane traffic etc., and on the other side volume of traffic has increased to a choking point that traveling is no more a pleasure but it is better today than it was yesterday. That is all.
Life is nothing but a clash of common interests with time, space, opportunity etc., constraints.
It is true and applicable to traffic also.
If every body has got sufficient time and more space then except accidents due to mechanical and human failure no other accidents that occur due to paucity of time and space will happen.
When two expert drivers meet each other from opposite sides then normally no accident will occur.
When one expert driver and another foolish driver meet each other from opposite sides then occasionally accidents may occur.
When two fools are at the driving wheels of their respective cars and when they meet each other from opposite sides then most probably an accident may occur most of the times.
Driving is anticipation.
Due to the growing traffic in many cities tempers run high when there are violations in following traffic rules and we see often both the parties hurling abuses on each other and ending in an unpleasant situation.
Violations may happen at time for no fault of any one driver because of the time and space constraint etc., then it is better to throw a warm smile on the other one and go around happily with a pleasant feeling.
I remember now the drivers of Darjeeling mountain road jeeps who if they happen to come in front of another one in the middle of the road especially in the curves politely back up throw a sorry and go away smiling leaving every one happy.
When you meet an offender on the road stop smile and go away happily.
I always stopped my two wheeler or car at the right time whenever anyone wrongly crosses my path and my warm smile at them was always responded to by them with a bowed head and in silence they used to suffer the shame they had put them in.
Have a good day and Drive around happily.
Saturday, June 18, 2011
Oil in Food
Oil is invariably used in cooking foods for all.
In the southern districts of Tamilnadu Gingelley Oil is mostly used.
In the Western districts like Vellore etc., Groundnut oil is widely used.
In Kerala Coconut oil is used in preparing each and every food.
In the North Mustard oil is used everywhere.
Ghee is used by some and other Oils like Dalda, Vanaspathi etc., are used by many.
As long as one is young and the digestive system is active all oil items are digested.
But with age and when one falls sick and becomes weak then oil is his/her arch enemy when it is heated up and cooked on a pan over a stove.
Oil if taken raw without it being heated up is safe and good for health.
That is why south indians take idly with a powder and raw gingelly oil and it is good and safe for one's health.
But once any oil is heated and cooked by frying and boiling it becomes degenerated and turns dangerous on one's health creating common cold spoiling the lungs, bad cholesterol and other related ailments.
In the southern districts of Tamilnadu Gingelley Oil is mostly used.
In the Western districts like Vellore etc., Groundnut oil is widely used.
In Kerala Coconut oil is used in preparing each and every food.
In the North Mustard oil is used everywhere.
Ghee is used by some and other Oils like Dalda, Vanaspathi etc., are used by many.
As long as one is young and the digestive system is active all oil items are digested.
But with age and when one falls sick and becomes weak then oil is his/her arch enemy when it is heated up and cooked on a pan over a stove.
Oil if taken raw without it being heated up is safe and good for health.
That is why south indians take idly with a powder and raw gingelly oil and it is good and safe for one's health.
But once any oil is heated and cooked by frying and boiling it becomes degenerated and turns dangerous on one's health creating common cold spoiling the lungs, bad cholesterol and other related ailments.
The Girl Child Continued
A woman when she is fair, in good shape, with excellent manners, look neat and has attracting features then every man is after her. Some if eligible to get married to her, many simply to have fun with her, and some others to enjoy her beauty for a moment as if she is a thing of enjoyment to be enjoyed and thrown away.Few others go after her with an intent to rape her and satisfy their lust come what may trying all their level best and use all their powers to fulfill this wrong desire.
To all in general a pretty woman is a thing of entertainment and all want to enjoy that woman without minding that she too is a living being with a life of her own wherein she has her own options, ambitions, likings and feelings.
And at times few pretty woman also misuse their beauty to attract wealthy, powerful men towards them and rob them of their wealth and spoil their life and family.
Hence women always have to protect themselves from the evil thoughts of fellow men and only very few respect their feelings and consider them as another human being.
All others many times wait for an opportunity to exploit the situation and enjoy her to satisfy their lust and wrong desires.
Beware woman, Beware and Protect YOURSELF.
Some other women tend to become a woe to the men they come into contact and make their life miserable.
And most of the men woo the women to satisfy their personal desires and lust without any consideration for the feelings of the opposite sex.
To all in general a pretty woman is a thing of entertainment and all want to enjoy that woman without minding that she too is a living being with a life of her own wherein she has her own options, ambitions, likings and feelings.
And at times few pretty woman also misuse their beauty to attract wealthy, powerful men towards them and rob them of their wealth and spoil their life and family.
Hence women always have to protect themselves from the evil thoughts of fellow men and only very few respect their feelings and consider them as another human being.
All others many times wait for an opportunity to exploit the situation and enjoy her to satisfy their lust and wrong desires.
Beware woman, Beware and Protect YOURSELF.
Some other women tend to become a woe to the men they come into contact and make their life miserable.
And most of the men woo the women to satisfy their personal desires and lust without any consideration for the feelings of the opposite sex.
Thirunangai (In Tamil) - The Sexless - Neither Male nor Female - The Child of God Himself
In India the sexless are called as Aravanis.
I note to call them as Sexless as they cannot have sex either with a male or a female.
Because
As per the Dictionary.Com - World English Dictionary
eu-nuch(noun) means -
a castrated man, especially one formerly employed by Oriental rulers as a harem guard or palace official.
The Transgender(noun) -
a person appearing or attempting to be a member of the opposite sex, as a transsexual or habitual cross-dresser.
Hence eu-nuch and transgender are different from these Sexless members of the Public.
As soon as a child of this nature is born then I understand that the family deserts the child and hands over the child to the already grown up people belonging to this Sexless Community to be brought up by them.
Until recent times they had no recognition by the Society and the Government.
They had no ration card, had no access to schools and had no education and hence they were not employed and even were not employed as unskilled or casual laborers to do odd jobs.
Hence they were compelled to go in for begging to live their daily life and to feed their hunger.
In due course they became very rough and misbehaved in trains and streets especially in big towns like Mumbai and indulged in trafficking in women and drugs and became criminals and beggars.
Some became money lenders themselves or thugs for collecting money on behalf other ordinary money lenders.
They were deprived of decent education, decent living and compelled to become outlaws by the Society and the Government.
But now I understand the Government is slowly recognizing their plight and arranging to include them in the population census taken by the Government periodically and also to issue ration cards, allow them to join and study in schools, given employment opportunities and at last respect as fellow Human Beings.
They are our brother cum sister, the children of God.
Let us respect them and allow them to live a normal life just like any others.
Thank YOU.
I note to call them as Sexless as they cannot have sex either with a male or a female.
Because
As per the Dictionary.Com - World English Dictionary
eu-nuch(noun) means -
a castrated man, especially one formerly employed by Oriental rulers as a harem guard or palace official.
The Transgender(noun) -
a person appearing or attempting to be a member of the opposite sex, as a transsexual or habitual cross-dresser.
Hence eu-nuch and transgender are different from these Sexless members of the Public.
As soon as a child of this nature is born then I understand that the family deserts the child and hands over the child to the already grown up people belonging to this Sexless Community to be brought up by them.
Until recent times they had no recognition by the Society and the Government.
They had no ration card, had no access to schools and had no education and hence they were not employed and even were not employed as unskilled or casual laborers to do odd jobs.
Hence they were compelled to go in for begging to live their daily life and to feed their hunger.
In due course they became very rough and misbehaved in trains and streets especially in big towns like Mumbai and indulged in trafficking in women and drugs and became criminals and beggars.
Some became money lenders themselves or thugs for collecting money on behalf other ordinary money lenders.
They were deprived of decent education, decent living and compelled to become outlaws by the Society and the Government.
But now I understand the Government is slowly recognizing their plight and arranging to include them in the population census taken by the Government periodically and also to issue ration cards, allow them to join and study in schools, given employment opportunities and at last respect as fellow Human Beings.
They are our brother cum sister, the children of God.
Let us respect them and allow them to live a normal life just like any others.
Thank YOU.
The Girl Child
Babies are the same when they are very young - cute, small, soft, sweet and there is almost no difference between a boy, a girl or a child who is neither a male nor a female.
A baby is a baby and you enjoy watching it, touching it and playing with it.
Once they grow up you identify them as a boy, a girl or a child of neither sex who may be called as sexless.
I prefer to call the sexless as the God's Children.
The life of these God's Children requires our attention and I note deal with it separately as they are also Human Beings but differently created by the Creator Himself for what purpose I still do not know.
The life of a Male is mostly OK.
Even though here and there few men are harassed by the other two sexes the women and the sexless and are victims themselves mostly it is the female folk who are almost equal in number to the male population and are often at the receiving end facing abuses, atrocities etc., hurled at them with arrogance.
Here I note to deal with The Girl Child
to be continued
A baby is a baby and you enjoy watching it, touching it and playing with it.
Once they grow up you identify them as a boy, a girl or a child of neither sex who may be called as sexless.
I prefer to call the sexless as the God's Children.
The life of these God's Children requires our attention and I note deal with it separately as they are also Human Beings but differently created by the Creator Himself for what purpose I still do not know.
The life of a Male is mostly OK.
Even though here and there few men are harassed by the other two sexes the women and the sexless and are victims themselves mostly it is the female folk who are almost equal in number to the male population and are often at the receiving end facing abuses, atrocities etc., hurled at them with arrogance.
Here I note to deal with The Girl Child
to be continued
Friday, June 17, 2011
Saving - a Habit
Whenever YOU earn fix a percentage of it depending on your wishes to be saved compulsorily
Saving methods
1) Cash
2) Bullion - Gold
3) House
4) Land - Gardens
5) Bank Deposits
6) Insurance Policies - Life, Health(Medical) & Properties
7) Public Provident Fund Account of Government of India
8) Charities - Investment in which will yield you great satisfaction and peace of mind
9) Other forms of investments - to be done after careful decision making
One can decide how much percentage of his income has to be invested in anyone of the above saving modes when and how depending on his lifestyle and requirements
All the Best
Saving methods
1) Cash
2) Bullion - Gold
3) House
4) Land - Gardens
5) Bank Deposits
6) Insurance Policies - Life, Health(Medical) & Properties
7) Public Provident Fund Account of Government of India
8) Charities - Investment in which will yield you great satisfaction and peace of mind
9) Other forms of investments - to be done after careful decision making
One can decide how much percentage of his income has to be invested in anyone of the above saving modes when and how depending on his lifestyle and requirements
All the Best
Dear Friends
Recollecting from my childhood days I could find that life has become more demanding and more complicated.
Relatives - many of them are no more friendly helpful and at times they are very jealous and stand as a stumbling block in the path of our progress.
Friends - if not chosen carefully lead us astray wasting our time and money
Hence the day has come
a) to screen your relatives and choose those who are really caring for us and who are really sincere in their life and of course good
b) to select true and real friends who share the same ideals and have the same understanding so that you can move with them in harmony
and move only with these people spending your valuable time and resources.
Now distance is no more a problem
You have internet, mobile phone (however one may cry that using them is harmful to all) which allows one to contact, see and interact with loved ones.
Create your own network of well wishers and share with them your thoughts and live happily making life rewarding
All the Best
Relatives - many of them are no more friendly helpful and at times they are very jealous and stand as a stumbling block in the path of our progress.
Friends - if not chosen carefully lead us astray wasting our time and money
Hence the day has come
a) to screen your relatives and choose those who are really caring for us and who are really sincere in their life and of course good
b) to select true and real friends who share the same ideals and have the same understanding so that you can move with them in harmony
and move only with these people spending your valuable time and resources.
Now distance is no more a problem
You have internet, mobile phone (however one may cry that using them is harmful to all) which allows one to contact, see and interact with loved ones.
Create your own network of well wishers and share with them your thoughts and live happily making life rewarding
All the Best
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