Saturday, December 11, 2010
હાલો, પથ્થારી ફેરવીએ દેશની..!
Thursday, September 30, 2010
I'm alive...!
Saturday, September 25, 2010
SPINA BIFIDA
Spina bifida (SB) is a neural tube defect (a disorder involving incomplete development of the brain, spinal cord, and/or their protective coverings) caused by the failure of the fetus's spine to close properly during the first month of pregnancy. Infants born with SB sometimes have an open lesion on their spine where significant damage to the nerves and spinal cord has occurred. Although the spinal opening can be surgically repaired shortly after birth, the nerve damage is permanent, resulting in varying degrees of paralysis of the lower limbs. Even when there is no lesion present there may be improperly formed or missing vertebrae and accompanying nerve damage. In addition to physical and mobility difficulties, most individuals have some form of learning disability. The three most common types of SB are: myelomeningocele, the severest form, in which the spinal cord and its protective covering (the meninges) protrude from an opening in the spine; meningocele in which the spinal cord develops normally but the meninges protrude from a spinal opening; and occulta, the mildest form, in which one or more vertebrae are malformed and covered by a layer of skin. SB may also cause bowel and bladder complications, and many children with SB have hydrocephalus (excessive accumulation of cerebrospinal fluid in the brain).
Is there any treatment?
There is no cure for SB because the nerve tissue cannot be replaced or repaired. Treatment for the variety of effects of SB may include surgery, medication, and physiotherapy. Many individuals with SB will need assistive devices such as braces, crutches, or wheelchairs. Ongoing therapy, medical care, and/or surgical treatments may be necessary to prevent and manage complications throughout the individual's life. Surgery to close the newborn's spinal opening is generally performed within 24 hours after birth to minimize the risk of infection and to preserve existing function in the spinal cord.
What is the prognosis?
The prognosis for individuals with SB depends on the number and severity of abnormalities. Prognosis is poorest for those with complete paralysis, hydrocephalus, and other congenital defects. With proper care, most children with SB live well into adulthood.
What research is being done?
The NINDS supports a broad range of research on neural tube defects such as SB aimed at finding ways to treat, prevent, and, ultimately, cure these disorders. Recent studies have shown that the addition of folic acid to the diet of women of child-bearing age may significantly reduce the incidence of neural tube defects. Therefore it is recommended that all women of child-bearing age consume 0.4 mg of folic acid daily.
Wednesday, August 18, 2010
Speech by Chetan Bhagat @ Symbiosis
Friendship SMS
- કહેવું છે કંઈક પણ શબ્દો નથી મળતાં,
અંધારા રસ્તા પર અજવાળાં નથી મળતાં,
જીવવી છે જિંદગી દોસ્તોની સાથે,
પણ વિતાવી શકાય એવા બે પળ નથી મળતાં! - खुदासे कोइ बात अनजान नहीं होती,
हर इन्सान की बंदगी बेईमान नहीं होती,
कभी मांगा होगा हमने एक प्यारा सा दोस्त,
वरना यूं ही हमारी आपसे पहेचान नहीं होती! - कुछ रिश्ते अन्जाने में बन जाते हैं,
पहेले दिल से फिर जिंदगी से जुड जाते हैं.
कहेते हैं उस दौर को उल्फत-ए-दोस्ती,
जिसमें दोस्तो के दिल न जाने कब मिल जाते हैं! - दोस्त वो है जो बिन बुलाये पकाने आ जाए.
एक सुने और दस सुना जाए.
एक चिप्स दो तो पूरा पेकेट खा जाए.
जब मौका मिले वाट लगाए.
पर साला हर मुश्किल में साथ निभाए! - Power of Friendship: एक लडका देर रात को घर पहोंचा. बाप ने पूछाः “कहां था तू?” लडकाः “दोस्त के घर था.” बाप ने उसके सारे दोस्तों को फोन लगाया. कुछ ने कहा, “हां यही था.” कुछ ने कहा, “अभी निकला यहां से.” और एक ने तो कहा, “यहीं है अंकल, पढ रहा है. फोन दूं क्या?”!!!
- Friends should be like ‘Zeros’. When you add, subtract or multiply them, they remain the same. But if you try to divide, they become infinite!
Tuesday, August 17, 2010
Shayarana SMS
- दीप जलते जगमगाते रहें,
हम आपको आप हमको याद आते रहें;
जब तक जिंदगी है दुआ है हमारी,
आप चांद की तरह जगमगाते रहें. - प्यार वो नहीं जिसमें जीत और हार हो,
प्यार वो नहीं जिसमें इझहार और इन्कार हो,
प्यार वो है जिसमें किसी की उम्मीद ना हो
आने की, लेकिन फिरभी उसका इंतझार हो! - रोनेसे किसी चीजको पाया नहीं जाता,
खोनेसे किसी चीजको भुलाया नहीं जाता,
वक्त सभीको मिलता है जिंदगी बदलने का,
पर जीवनमें वक्तको बदलाया नहीं जाता. - सपनोंसे दिल लगाने की आदत नहीं रही,
हर वक्त मुस्कुराने की आदत नहीं रही,
यह सोचकर कि कोई मनाने आएगा,
अब हमें रुठ जानेकी आदत नहीं रही. - तमन्ना है कि कभी वो ईकरार करे, कभी ईन्कार करे
कभी नाराझ हो, कभी प्यार करे
ढुंढती ही रहे दोनों की निगाहें,
कभी हम आपका तो कभी आप हमारा इंतझार करे. - खुले जो लब तो दुआ दे तुमको,
हररोज नई जिंदगी खुदा दे तुमको
अगर एक खुशीकी आरझु करो तुम,
खुदा खुशिओं का जहां दे तुमको. - तकदीर के खेल से निराश नहीं होते,
जिंदगीमें कभी उदास नही होते,
मत करना यकीन अपने हाथों की लकीरों पे,
तकदीर तो उसकी भी होती है जिसके हाथ नहीं होते.
Monday, August 16, 2010
Best of Funny SMS
- Husband: Kal mere khwab mein ek mast ladki aayi thi! Wah! Kya ladki thi!
Wife: Akeli aayi hogi!
Husband: Tumhe kaise pata?
Wife: Kyun ki uska husband mere sapne me aaya tha! - Shadi ke mandap me ladka ladki se bola: “Shaadi se pehle mera 101 ladkion ke sath affair tha.” Ladki boli: “Muje pata tha, jab kundaliyan mili hai to character to milenge hi !”
- Girl: Gehre badalon mein teri yaad aati hai, saavan ke aane se teri yaad aati hai, baarish ki bundon mein teri yaad aati hai…
Boy: bas karo bahot ho gaya. Pata hai tumhara chhata mere paas hai. Kal bhijva dunga. - Sardarji ne winter mein A/C lagvaya. Kisi ne puchha, “Abhi to sardi hai. A/C kyun lagvaya?” Sardar: “Oye! Meine ulta lagvaya hai. Garam hava andar aur thandi hava bahar…”
- A black cow was the subject of viva in medical exam.
MBBS student: Sir, this is a cow.
MD student: Sir, this is a four legged black coloured animal with horns & a tail which gives milk. So it may be a cow or a buffalo.
DM student: It may be a hypertrophied goat or an atrophied elephant but possibility of cow or buffalo cannot be ruled out… - Sharabi: Aaj to mein tab tak piyunga jab tak samnewale 3 ped 6 nahi dikhne lage.
Bar ka Manager: Abe saale, ab bas kar. Samne ek hi ped hai! - Teacher: What is the chemical formula of water?
Student: H2MgClNaClHNO3CaCO3Ca(OH)2SnTnHgNiHCl(COOH)
Teacher: What the hell is this?
Student: Sir, this is the chemical formula of Municipality’s water! - Best way of answering questions in VIVA: (You should be very fast while answering)
Q: Name 4 local anaesthetic agents.
A: Sir, Procaine, Lignocaine, sugarcane & cocaine! ;-)
Q: Good! Name 4 Beta-blockers.
A: atenolol,lolamlol,metaprolol,propranolol! :-)
Q: Very Good! Now name 4 ACE inhibitors.
A: Sir, captopril, enalapril, marchapril, lisinopril! :-D - New AIDS awareness slogan: Try different positions with the same woman instead of the same position with different women.
- Santa ko exam mein answer nahi aata tha to usne answer mein ///// Aisa kar diya aur likha , "Scratch karo aur answer pao." Jab result aaya to Santa fail ho gaya. Jab usne rechecking mein apni answer sheet dekhi to examiner ne real mein scratch kiya tha aur fir niche likha tha, “Answer not found on scratching, You are Failed- Examiner, Bantasing.”:-D
Saturday, August 14, 2010
Best of SMS - III
- “I never see what has been done; I only see what has to be done.” – Bill Gates
- Life is the art of drawing without an eraser. So be careful about taking any decision about the valuable pages of life.
- An advice is like snow. The softer it falls, the deeper it penetrates & the longer it dwells.
- If everyone is happy with you, surely you have made too many compromises in your life.
- Relationships are like birds. If you hold tightly, they die. If you hold loosely, they fly. But if you hold with little care, they remain with you forever.
- You don’t have to be great to start, but you have to start to be great. The secret to a rich life is to have more beginnings than endings.
- Be brave when you lose, be calm when you win. Your life is a fingerprint that can’t be duplicated. So make the best impression with it.
- The best thing to learn in life is the habit of compromise because it is better to bend a little than to break forever.
- Everything about the future is uncertain but one thing is sure. God has given us our tomorrow. We just have to trust him today.
- River cuts the rock, not with its power but with its consistency. So never lose your hope & keep moving towards your goal despite of all the difficulties.
- Anger against anger is simply a reaction; but love against anger can be a revolution!
- Don’t go the way life takes you. Take the life the way you go. Remember, you are born to live, not living because you are born!
- If you want to enjoy, always think today is the first day of life. But if you want to achieve, always think today is the last day of life.
Tuesday, August 10, 2010
Best of SMS-II
Making your mark on the world is hard. It takes patience, it takes commitment & it takes facing a lot of failure along the way.
No failure should ever reach the heart & no success should ever reach the head, because both not only restrict your growth but also ensure failure in life.
Winning your goal is not the toughest victory but winning your patience to achieve your goal is the toughest one.
Success is never permanent & failure is never final. So always keep going until your victory makes a history.
Whenever you’re criticized, don’t get upset. Always remember that “No stones are thrown on a fruitless tree.”
Staying at the back, giving power & support to those who are in the front & still being egoless! We can learn this lesson from number “Zero”.
It’s not that some people have willpower for success & some don’t. But some are ready to change & some aren’t.
Be more concerned about your character than your reputation, because your character is what you really are while your reputation is merely others’ perception about what you are!
Most of us miss out on life’s big prizes i.e. Pulitzer, Nobel, Oscar, Grammy etc. But we are all eligible for the life’s small pleasures. A pat on the back, a good word, a great meal, a good joke, a thank you, a sweet shower of rain, a beautiful walk with your loved one. So enjoy the beauty of life which actually lies in small, normally unnoticed pleasures.
Sunday, August 8, 2010
Best of SMS - I
- Every drop of sweat at young age will reduce ten drops of tears in old age.
- A 10 Rs. pen is also costly if you have less than 10 Rs. in your pocket. So increase your income, because you can't decrease the price of a pen. - Dhirubhai Ambani
- If you want to walk quick, walk alone. But if you want walk far, walk together.
- A stone can break the head, but water can break the stone. Anger can suppress the enemy, but forgiveness can destroy the enemity.
- Faith is a small word but has supreme implications. But the problem is that people have doubts in their faith & faith in their doubts.
- Direction is more important than speed. We are so busy looking at the speedometer that we miss the milestones!
- Successful people always keep two things on their lips: smile & silence. Smile to solve the problem & silence to avoid the problem.
- Problems occur when there is a gap between expectations & reality. Either expect less & accept reality or expect a lot & change into reality!
- The winners in life are not those who have never tasted the failure, but rather those who failed again & again, yet never gave up!
- When life knocks you down on your knees, remember that you are in perfect position to pray!
- Two things decide your progress in life: way you interact when you have nothing, & way you manage when you have everything.
- Don't pray for easy life, pray to become stronger. Don't pray for task equal to your power, but pray for the power equal to your task!
- Change is the nature of life but the challenge is the future of life. So don't try to change the challenges but try to challenge the changes.
- Life & Time are two great teachers. Life teaches you the value of time & Time teaches you the value of life!
Saturday, July 17, 2010
રસ્તો નહીં જડે તો રસ્તો કરી જવાના!
થોડા અમે મૂંઝાઈ મનમાં મરી જવાના!
નિજ મસ્ત થઈ જીવન આ પૂરું કરી જવાના,
બિન્દુ મહીં ડૂબીને સિંધુ તરી જવાના!
કોણે કહ્યું કે ખાલી હાથે મરી જવાના,
દુનિયાથી દિલના ચારે છેડા ભરી જવાના!
છો ને ફર્યા, નથી કંઈ દિ’થી ડરી જવાના,
એ શું કરી શક્યા છે? એ શું કરી જવાના!
મનમાં વિચાર શું છે? અવિરામ કંઈ દીપક છે,
પ્રકાશ આંધીઓમાં પણ પાથરી જવાના!
એક આત્મબળ અમારું દુઃખ માત્રની દવા છે,
હર ઝખ્મને નજરથી ટાંકા ભરી જવાના!
સ્વયં વિકાસ છીએ, સ્વયં વિનાશ છીએ,
સ્વયં ખીલી જવાના, સ્વયં ખરી જવાના!
સમજો છો શું અમોને? સ્વયં પ્રકાશ છીએ!
દીપક નથી અમે કે ઠાર્યા ઠરી જવાના!
અય કાળ! કંઈ નથી ભય, તું થાય તે કરી લે!
ઈશ્વર સમો ધણી છે થોડા મરી જવાના!
યાંત્રિક છે આ જમાનો, ફાવે છે વેગવાળા,
એ યુગ ગયા વિચારી પગલાં ભરી જવાના!
દુનિયા શું કામ ખાલી અમને મિટાવી રહી છે?
આ ખોળિયું અમે ખુદ ખાલી કરી જવાના!
- અમૃત ઘાયલ
Friday, July 16, 2010
10 Signs It’s Time to Leave Your Job
Too much time social networking?Do you get into the office without a plan of action for the day? Are you not being rewarded for your efforts? Does your boss often pull you down and embarrass you in front of colleagues?
If any or all of these ring true, it might be time to shake things up.
Here are 10 signs that could indicate that it’s time for you to move on – either from your current job function or from your organization – to other adventures.
1. Social networking but not working
Are Facebook, LinkedIn and Twitter taking up more of your working day than preparing that PowerPoint presentation? If your company doesn’t allow access to these sites, perhaps your energies are focused on finding proxy sites which allow you to access sites that have been blocked by your company.
Or, do you simply dread coming to office and wait for the day to end quickly?
If this happens some days a week, then maybe you simply need a holiday. “But if one spends more than a month populating Farmville on Facebook, then yes, it’s stagnation and you need to move on,” says Purvi Sheth, chief executive officer of Mumbai management consulting firm Shilpusti Consultants.
2. Been there, done that
If your job has become so routine or monotonous that you can do most of it without thinking much, what are you doing in it? Essentially, you are not learning much or growing in that role, so you won’t be able to stay motivated for long. “Careers are not ponds, they are streams; they have got to be going somewhere from somewhere,” says Dony Kuriakose, director of Delhi-based recruitment firm Edge Executive Search Pvt. Ltd. “If you’re not moving, you’re dead in the water.”
Remember that if you have become too complacent and start taking the company for granted, your employer will soon recognize that, putting your role in jeopardy.
3. Not challenged enough
This is related to the point above. But if you feel that your organization is not giving you the right exposure or a challenging enough position, you could end up becoming very frustrated. “Take the initiative of engaging with (your) employer and…ask for more responsibilities,” says Pankaj Arora, managing director of Protiviti Consulting Pvt. Ltd, a business consulting and audit firm. If that doesn’t work, look for challenges elsewhere within or outside your organization.
4. Unmet goals
You want to become a team leader or a business head but your employer is moving you around into different departments without really promoting you. “It is time for you to move on when you feel your career objectives are not being met or fulfilled by your employer,” says Ms. Sheth.
5. Too big for your shoes
You were good at your first job, so you were promoted to the next level and the next level and so on. But now you have reached a position which is too much for you to handle. This is popularly referred to as the Peter Principle which states that in a hierarchy, employees rise to a level of their incompetence.
Either you need to re-skill and reinvent yourself pretty quickly to survive in that role or you need to move into another position which is a better fit for you.
6. Closed to change
Today’s organizations are nimble on their feet and are often changing their processes or businesses to meet delivery and cost pressures. If you can’t handle that change because you are too set in your ways, you could end up getting left behind. Or, maybe you don’t agree with your organization’s changes at a philosophical or an ethical level. “There are certain reasons why you work at a place and there are certain things that enthuse you,” says Mr. Kuriakose. “If those core issues change and you suddenly find that you’re working for a place that you wouldn’t have joined” it might be time to rethink.
7. Politics over mechanics
Every organization has politics and it’s smart to keep on top of major changes as well as the movers and shakers of your organization. But if your professional relationships at work have become so entangled and complicated that they are keeping you from your work, that’s a problem. Don’t let politics become more important to you than the mechanics of your job.
8. You’ve been overlooked — again
Are your batch mates from school and college more successful than you are? Or is your company promoting people with less experience and fewer achievements above you? Figure out why that is happening. If they’re working harder and are smarter than you, then consider adding to whatever skills are keeping you from that next job. But if your company is overlooking you, then it might be time to go where you get more recognition.
9. Don’t want your boss’s job?
We typically envy our bosses not only for their higher salaries but also for the responsibility and authority they command. But if you don’t aspire to be in your boss’s position at some time in the future, then it’s time to look around and reconsider your career plans. You can’t stay in your current position forever. Not everyone has to be the top dog, but a career path that promises advancement and satisfaction is a good road to be on.
10. Evil thoughts about your boss?
Ok, so all of us have some evil thoughts about our bosses every now and then. That’s normal. If you hate him or her as a person, deal with it. But if your professional relationship is troubled, then you have a problem. “You have to work with all kinds of people,” says Mr. Kuriakose. However, a boss who is always pulling you down, and maybe embarrassing you in front of colleagues, could be harmful for your morale and progress. Time for some introspection and perhaps an exit strategy.
Wednesday, June 23, 2010
પ્રેમાળ માણસ નથી ઓળખાતા - મરીઝ
કે પ્રેમાળ માણસ નથી ઓળખાતા.
સખી એને જોવા તું ચાહી રહી છે,
જે સપનું રહે છે હંમેશા અધૂરું;
પ્રીતમનો પરિચય તું માંગી રહી છે,
વિષય તારો સુંદર, કૂતુહલ મધુરું.
લે સાંભળ, એ સામાન્ય એક આદમી છે,
હૃદય એનું ભોળું, જીવન એનું સાદું;
ન ચહેરો રૂપાળો, ન વસ્ત્રોમાં ઠસ્સો,
ન આંખોમાં ઓજસ, ન વાતોમાં જાદૂ.
કવિતાના પણ એ નથી ખાસ રસિયા,
ન સંગીતમાં કંઈ ખાસ ગતાગમ છે એને;
પસંદ એ નથી કરતા કિસ્સાકહાણી,
કલાથી ન કોઈ સમાગમ છે એને.
એ મૂંગા જ મહેફિલમાં બેસી રહે છે,
છે ચૂપકીદી એની સદંતર નિખાલસ;
નથી એની પાસે દલીલોની શક્તિ,
કદી પણ નથી કરતાં ચર્ચાનું સાહસ.
જુએ કોઈ એને તો હરગિઝ ન માને,
કે આ માનવીમાં મહોબ્બત ભરી છે;
કોઈના બારામાં ન નિંદા કોઈની,
નસેનસમાં એની શરાફત ભરી છે.
જગતની ધમાલોથી એ પર રહે છે,
છે પોતાના જ રસ્તે સૂરજની માફક;
સખી તારા પ્રીતમની છે એ જ ઓળખ,
છે સૌ સ્ત્રીઓ માટે જીવન એનું લાયક.
ભિખારણની પાસે કે રાણીના પડખે,
જગા કોઈ પણ હો એ શોભી શકે છે;
પરંતુ સખી! આવી દુનિયાની અંદર,
ભલા એવા માણસને કોણ ઓળખે છે.
સદીઓથી એવું જ બનતું રહ્યું છે,
કે પ્રેમાળ માણસ નથી ઓળખાતાં.
- મરીઝ
Sunday, June 20, 2010
Team Hoyt - Father of the century
A moving real life story of a father & son on this 100th anniversary of "Father's day"! I'm sure all of us will learn what does it take to be a really good father after watching this story! Wish you all a "Happy Father's Day"! Just go to your father, hug him & thank him for being there whenever you needed him!
રાતકો જરા સી આવાઝ સે
ટૂટતી હૈ નીંદ પિતાકી,
વો ઝૂંઝલાતે નહીં કિસી પર
ચૂપકે સે ઉઠતે હૈ
નિકલતે હૈ ઘરસે બાહર
દેખતે હૈ સબ તરફ સબ ઠીક તો હૈ
પિતા ચૌકન્ના હોતે હૈ
સોચતા હૂં, જબ પિતા નહીં હોંગે
કૌન રહેગા ચૌકન્ના
ઔર ફિર મુઝે પિતા કી હી તરહ
રાતભર નીંદ નહીં આતી.
- હરગોવિંદ પુરી
Thursday, May 6, 2010
Quotes!!!
- Only thinking of survival will lead to death. Think of progress & you'll never die...
- Everyone is good to you till you expect nothing from them & you're good to everyone till you can fulfill their expectations!
- A success in life doesn't mean only to reach the desired destination but it is also about enjoying the journey.
- Winners make a habit of manufacturing their own positive expectations in advance of the event, because what the mind can conceive & believe, a man can achieve!
- Mistakes increase your experience & the experience decreases your mistakes.
- Learn from your mistakes & let others learn from your success.
- Life gives answers to your request in 3 ways: it says 'yes' & gives what you want, it says 'no'& gives you something better or it says 'wait' to give you the best!
- Lots of people know what to do but very few people actually do what they know.
- True success comes to those who experience deep happiness in their daily life & are prepared to put off short term pleasures for the sake of long term fulfillment.
- Life doesn't get better by chance but it gets better by change. The chance comes from outside while the change takes place inside.
- A small dot stops a big sentence but a few more dots can give a continuity. Every ending can be a new beginning.
- A strong & positive attitude creates more miracles than any other thing because life is 10% how you make it & 90% how you take it!
Tuesday, May 4, 2010
On the occassion of "Swarnim Gujarat"
Friday, March 5, 2010
Happy B'day Ahmedabad !
નામ ભલે છે અમદાવાદ, પણ અમેરિકા જેવી પહેચાન છે
એક લાલ દરવાજા ને બીજુ લૉ ગાર્ડન બેઉ અમારી શાન છે
મણિનગર કે માણેકચોક, કાંકરિયા કે વસ્ત્રાપુર લેક,
સી.જી. રોડ કે એસ.જી. હાઈવે આ શહેરની જાણે જાન છે
ફરકીની લસ્સી, ખાડાના દાળવડા, ઑનેસ્ટની પાંવભાજી, રુક્ષ્મણિની પાણીપુરી
નગરની ચોળાફળી ને રાયપુરના ભજીયા જગ આખામાં પ્રખ્યાત છે
બી.આર.ટી.એસ. થઈ ગઈ હવે રિવરફ્રન્ટ પણ થાય છે
એટલે જ તો શહેર અમારું 'મેગાસિટી' કહેવાય છે
એકવાર જે આવે અહીં એ અહીંનો જ થઈ જાય છે
ને છોડીને જે જાય એનેય આ શહેર ના ભૂલાય છે
મારું, તમારું, આપણા સૌનું આ "આપણું અમદાવાદ" છે
અને અહીં વસનારો પ્રત્યેક જણ "અમદાવાદી" કહેવાય છે.
Saturday, February 13, 2010
બેટા, ઊડ હવે તું આગળ ! – તુષાર શુક્લ
તું છોડાવી આંગળી મારી ઊડવાને આતુર
ઉંબર, આંગણ ઓળંગીને જાવા દૂર સુદૂર.
અમે જ ખોલી’તી બારી, અમે બારણાં પણ ખોલીશું
આવ્યા ત્યારે ‘આવો’ કીધું, ‘આવજો’ પણ બોલીશું.
જીવતાં જીવતાં જે સમજાયું, એ કહેવું છે મારે
હું જાણું છું તારું જીવન, જીવવાનું છે તારે.
બેટા, આવ, બેસ પાસે
સાંભળ, જે કહું છું આજે-
કદીક લાગશે, જીવન તો છે મનગમતો તહેવાર
કદીક લાગશે, જીવન તો છે અણગમતો વહેવાર.
જીવનપથ પર મળશે હોટલ, કદીક મળશે ઘર
શું છે સગવડ, શેમાં સુખ છે, જાણવાનો અવસર.
શું હોઠ ભીંજવતું પીણું ને શું તરસ છીપવતું પાણી,
શું છે જળ ને શું મૃગજળ એ ભેદને લેવો જાણી.
અહંકાર ને અધિકારની મનડું ગૂંથે જાળ
ઉડતાં શીખવી, ઉડવા પણ દઈ, રાખીશું સંભાળ..
માંગતા ભૂલી, આપતાં શીખો, પામશો આપોઆપ
આજ નહિ તો કાલે મળશે, વાટ જૂઓ ચૂપચાપ..
જીવન મળ્યું છે જીવવા માટે, લાગણીભીનું જીવો
તૂટે ત્યાંથી તરત જોડજો, ફાટે ત્યાંથી સીવો.
સડી જાય તે કાપવું પડશે, એટલું લેજો જાણી
જાગ્યા ત્યાંથી સવાર સમજો, જીવન બને ઉજાણી.
કોઇને ગમતી રાતરાણી ને કોઇને પારિજાત
કોઇને ઢળતી રાત ગમે ને કોઇને ગમે પ્રભાત.
પોતપોતાની પસંદ માંહે, સહુ કોઈ રહેતાં મસ્ત
સૂરજ પાસે શીખવા જેવું- ઊગે તેનો અસ્ત.
સંપત્તિ ને સમૃધ્ધિ ને ધનવૈભવ છે વ્હેમ
જીવન જીવવા જેવું છે એના કારણમાં છે પ્રેમ.
બાળપણમાં લંચબૉક્સમાં મમ્મી નાસ્તો ભરતી
કદીક ભાવતું, કદીક તને ના ભાવતું એ પણ મૂકતી.
ભાવતું જોઈને હરખાતો, ના ભાવતું એ પણ ખાતો
ભૂખ લાગતી સાચી ત્યારે હાથ નહિ રોકાતો.
ગમતું અણગમતું સઘળું જે કામનું લાગ્યું મને
બેટા, એનું જીવનભાથું મેં બંધાવ્યું તને.
આભે ઊડતાં જોઈ તને બસ ! અમે તો રાજી રહેશું
અમારો છે આ દીકરો એવું ગૌરવથી અમે કહેશું.
બેટા, ઊડ હવે તું આગળ !
લખજે કદીક તું કાગળ !
Thursday, February 11, 2010
મને એ જ સમજાતું નથી... - કરસનદાસ માણેક
Monday, February 8, 2010
Transcript of Commencement Speech at Stanford given by Steve Jobs
Dear Friends,
Above is the link to the commencement speech given by steve jobs; the founder enterprenuer of the "Apple" company & the inventor of popular e-gadgets like macintosh p.c., i-pod, i-tunes, i-phones etc.; at the stanford university on 14th June, 2005. He has been my real life hero since then. If you still don't know what you want to achieve in life, if you do know that but fear to lose what you have achieved, if you love your life very much & fear to die anytime & above all, if you think that the story of "3 idiots" is just a story that never happen in real life; just go through this speech & you will be amazed by the fact that "sometimes fact can be more stunning than the fiction". In his speech, he has mentioned 3 stories of his life, which inspire us for having a successful life by "doing what we love & loving what we do". So, get ready to know about the real life fighter - a superhero of success, not only in business but also in life. I assure you that your thinking about life & success is not going to be the same after you go through this speech. Now, don't waste the time & just grab the link above. Have an inspirational experience of the lifetime!
Wednesday, January 20, 2010
11 tax-savers to pick from
Did you know that there are several other-non-insurance-products that can get the same tax benefit that an insurance policy does? Even within insurance, there are plans that get tax deduction and work better as a life cover. But these remain the financial world's best kept secrets. Here's a run down of products that get you the Rs1 lakh deduction. In some cases, you don't even need a further outflow of money to get this tax break; you can claim it on existing investments. We've split the products according to the risk-return attributes and spending.
Zero-risk products:
These carry either a government guarantee or have a fixed interest payout. The first two products should form the core of your 80C investments. And if you exhaust the entire limit in this, no need to buy more.
1. Employees' Provident Fund (EPF): The first schemes that you get to buy the minute you begin work as an employee. Under this, 12% of your basic (including dearness allowance and retaining allowance, if any) goes to this fund and your employer matches this by 12% of his contribution. From your employer's contribution, 8.33% goes towards the Employees' Pension Scheme (EPS) and 3.67% to EPF. Your EPF earns a tax-free interest that is currently 8.5% a year. It's not a good idea to reduce your PF contribution, as some employers may suggest, since you get an investment option that is one of the best in India in terms of risk- and tax-free return. Return: 8.5%; Duration: working life; Safety: zero risk
2. Public Provident Fund (PPF): An 8% 15-year cumulative recurring deposit that is fairly illiquid and is good to use as a long-term corpus building tool. Risk- and tax-free today, maximize your contribution to Rs70, 000 this year, irrespective of whether you need the tax break or not. The new direct tax code rules will apply from next year and we don't know the exact treatment of old accounts today. Rs70, 000 a year for 15 years at 8% will give you Rs19 lakh. Tax free. Return 8% Duration 15 years Safety zero risk
3. National Savings Certificate (NSC): Through this, Rs1 lakh grows to Rs1.6 lakh in six years. The interest generated each half year is treated as "reinvested" and becomes part of your overall 80C contributions. But if you have exhausted the cover, you need to pay tax on the interest. Return 8% Duration 6 yrs Safety zero risk
4. Fixed deposits for duration of five years with banks and post offices: One of the bug bears senior citizens had with section 80C was that it leaned towards the younger generation by giving tax breaks for long-term corpus building products or on home loans. There was nothing that allowed a retired person to earn an income and yet get a tax break. The extension of specific five-year bank and post office deposits to come under section 80C fills this gap. The current rate of interest is between 5.70% and 8.25% a year.
Return 5.70-8.25% Duration 5 years Safety zero risk
5. Senior Citizens Savings Scheme (SCSS): It allows a retired person having a lump sum to invest it at a reasonably good interest rate. If you are 60 years old (or took voluntary retirement at 55), you can put up to Rs15 lakh for five years in this scheme, earn 9% interest a year and get the 80C benefit on Rs1 lakh. Interest, however, is taxable.
Market-linked products:
6. Equity-linked savings schemes (ELSS): These are diversified equity mutual funds that allow investors with risk-taking ability to target a higher return. You are locked into the investment for three years, but the long-term capital gains are zero tax. You can choose a lump sum investment route or a systematic investment plan. The average return in an ELSS scheme over the last three years was 8% and over the last five years was 22%. Or Rs1 lakh invested five years ago will be worth Rs2.7 lakh today. Return market-linked; Duration 3-year lock-in; Safety market and fund Manager risk
7. Unit-linked insurance plans (Ulips): A hybrid product that includes an insurance cover on your life along with a market-linked investment plan. The premium needs to be paid for a minimum of five years. Ulips work only in the long run of over 9-10 years. Given the non-transparency and non-portability of the product in its current state and sustained mis-selling in the industry, we do not recommend that you use this vehicle for your 80C tax break.
Return market-linked; Duration 5-year lock-in; Safety market and fund manager risk
8. New Pension System (NPS): This is a new, market-linked vehicle for those who do not have an EPF facility to target long-term retirement planning. Money Matters likes the product due to zero front loads, tiny annual charges, full portability between schemes and fund managers. Although NPS comes under section 80CCD, the available deduction is up to Rs1 lakh under section 80C. Return market-linked; Duration lock-in till age 60; Safety market and fund Manager Risk; Spending-linked
9. Tuition fees: School fees of up to two kids (trust the government to push its two-kid agenda in tax break deals as well!) can become part of your section 80C tax kick. Pay by Cheque and keep the receipts to file along with your return.
10. Principal on home loan: Up to Rs1 lakh of the principal on your home loan can be used as a deduction. Spouse is a co-owner and borrower? You can claim double that.
11. Life insurance premium: Anybody who's been working for over 10 years is holding a minimum of two to three life insurance policies. The first one will have a premium of around Rs.5, 000, the next could be Rs10, 000 and a more recent one could be Rs60, 000 a year. Tot up the total sum assured or life cover and you find you are holding under Rs. 10 lakh of life cover. So, we hold endowment and money-back plans that carry a return of 3.5-4%. We would have been better off holding a PPF account. But the agent never told us. The only insurance cover you need to cover your life is a term insurance policy. New policies in the market cost as little as Rs10, 000 a year for a Rs50 lakh cover. The premium comes under 80C as well. So, no more insurance this year.