Few months back I got a packet of carrot seeds and sown them in my garden. Days turned into weeks but no result. Instead unwanted weeds cropped up all around. I pacified myself thinking may be the soil isn’t of good quality or the seeds aren’t supreme. Yet kept checking. Meanwhile in a small pot I scattered few tomato seeds and surprisingly saplings did crop up in no time. What made the difference? In the first case I buried (literally) the seeds quite deep making it hard for the feeble saplings to make it to the surface. On the contrary I sowed the tomato seeds quite close to the surface and covered them with a thin layer of soil. Keeping the soil loose let the seeds breathe easy and develop well.
What struck me actually? Not the principles of Horticulture but a valuable lesson that those tiny particles have taught…
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Originally posted on Candles Online
“Pray for Forgetfulness for if you tend to forget the good done by you to others and continue in your penance of compassion, the serpent of arrogance will never be able to poison your soul. You will be grounded with the weight of a jewel called Humility.”
Picture credit: Google Images
Originally Posted On Candles Online:
I kept wandering in the pursuit of happiness that never had any definitey.
I was surrounded by the maddening chatter of desires that robbed me of my serenity.
I kept looking for flaws in others to prove my superiority.
I was an obnoxious, boisterous trumpet busy in singing laurels in self-praise, deprived of humility.
I invested myself to the extent of immersion in the worldly ties that costed me my sobriety.
I propelled higher in the skies of baseless egos and crude pride that I lost connection with the reality.
I was absorbed by the frivolous vanity of material charms that left me with insanity.
I let my greed take over my senses and I became nefarious and lost even my humanity leave aside divinity.
I was flowing with the directionless wind until I encountered – Failure, Old Age, Illness &…
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Originally posted on Candles Online, participating in the “Allegory Week”
“The wheels on the bus go round and round, round and round, round and round; The wheels on the bus go round and round all through the town”and the music stops and kids fight their way to get a place on the insufficient number of chairs placed in a circular configuration.
And we call it “Musical Chairs”, a fun game we all have seen and been a part of. As the number of chairs decrease the competition gets intense. Some physical dribbles, some sulking faces, few sportive acceptances, few angry stomping – all for that coveted chair of winner 😁😁.
Well that’s all fun but have a close liaison with our life, just need a deeper look, let’s have a look then.
The fight for chairs isn’t just a game in the birthday parties but…
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Gone are the days when it was a man’s world. Women today are the veritable master of the game and know how to handle their portfolio, be it on Twitter or their money.
Modern working women claim and deserve gender equality. Working women do not appreciate the differentiated treatment accorded to them when it comes to taking financial or any other decisions.
Aspirations and objectives of working women do not differ from those of their male counterparts. Hence, the integral precepts of the economic system do not discriminate between men and women. Future financial goals–funding the higher education and wedding of offspring, purchasing a residence and a vehicle, going for overseas vacations, and planning for retirement–are commonplace for both genders.
Maintaining a specific model of livelihood becomes requisite.
Let us now consider some key decisions which all working women must draw to assure that they enjoy financial well-being.
- Protection Cover
First, if there are household members dependent on them, they must ensure that they have adequate coverage in terms of impairment and life insurance. It is prerequisite to safeguard the family members just in the case of an event where the earning female member becomes incapacitated or impaired because of any disease or mishap, etc. The thumb rule here is that she must have a life insurance policy and overall disability plan coverage equivalent to ten times her annual revenue.
For Example: If a woman is earning Rs 10 lakh per annum, then she must have a life and disability insurance cover of Rs 1 crore to ensure that family members feel protected in case of any unfortunate eventuality.
- Retirement Planning
Apart from providing stability to family members, working women have to plan for their retirement needs well in advance. Please remember, it is not typical for all working women to retire at 60. Retirement will depend upon their profession. Sportswomen, Air Hostesses and Celebrities do not have a long working span. Hence, they require carrying out an individual strategy for premature retirement and ensure that they can live for the rest of their lives by accumulating a corpus and by investing in various asset classes: equity, debt, and real estate, etc.
Women have a particular affinity for Gold. The thumb rule for investing in Gold is that it should account for over 10 percent of their entire financial portfolio, either in the form of physical gold (ornaments etc.) or paper Gold (Gold mutual funds or Gold ETFs & Sovereign Gold bonds, etc.).
- Asset Allocation
All working women must have some exposure to equity mutual funds through Systematic Investment Plans (SIPs) for generating long-term wealth. They too need this for attaining financial targets such as education/marriage of their children or retirement, The thumb rule of asset allocation is that 100 minus the age should be the percentage allocation to equity mutual funds; 10 percent should be in the Gold, and the balance should be in debt instruments such as PPF, EPF, Bank FD, and Bonds.
To sum up, all working women’s financial portfolios must include 3-4 mutual fund SIPs equal to 20 percent of their monthly income, regular contributions to the Public Provident Fund, and NPS account for ensuring retirement planning. Regular pension for life, besides having adequate health insurance and Life/disability insurance is also essential.
- Documenting the Financial Plan
It is also important to mention here that all working women must get a financial plan made as a document, and they must implement it and keep rebalancing their portfolio by reviewing it at the half-yearly interval.
- Making the Will
They must ensure that they make a proper ‘Will’ and it distributes their total investments in the proportion desired by them. It should be done much early in their life and must be shared with close family members for easily claiming investments in the eventuality of sad demise.
- Limiting expenditure.
Working women must ensure that they learn to limit their expenses within their income levels and not resort to debts, loans or excessive credit card spends at any point of time. Stretching your expenses beyond your limit can lead to financial stress and compromise your future comforts.
Hence, it becomes imperative for working women to be in control of their finances, to stay fiscally disciplined, and to remain well-planned.
Thanks and Regards.
Originally Posted On Candles Online
- A group of college going girls involved in flesh trade to support / sport a lavish lifestyle.
- A techie commits suicide as he was unable to cope up with the pressure of credit card bills.
- Gang involved in card frauds, ATM thefts busted, revealed it was an attempt to make a quick buck.
And the matter of irony is more educated the person is more deeply he or she is getting involved in this trap of taking the wrong route. I really wonder what purpose education is really serving here.
These examples may not be some recent news but definitely something we come across quite often nowadays. A bitter and harsh reality, strong enough to make us experience Depression and question “WHY?”
Reason is simple : Our inability to find satiation and curb our “Un”wanted desires. Our incompetence in restricting our…
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पापा को शब्दो में बांधना समुंद्र को अंजलि में भरने समान है मेरे पिता का जीवन, प्रेरणा और दृढ़ निश्चय का स्तोत्र महान है चश्मे के पीछे उनकी वो आंखें बड़ी भोली भाली थी और व्यक्तित्व कि गहराई, कपट से बिल्कुल खाली थी आत्मा और सोच से बोहोत उजले और तन के सांवले थे सबको खुद सा अच्छा सच्चा समझते थे, कैसे बावले थे सरल आचरण, अखंड गुण और साधारण जीवन शैली थी उनकी प्रतिभा और गरिमा की गाथा दूर-दूर तक फैली थी उनके जीवन में बोहोत दुख, बोहोत कष्ट थे आशावादी थे, और इरादों के बिल्कुल स्पष्ट थे मेरे लिए तो वही आदि, वहीं अंत, वही अनंत थे मन, कर्म, वचन, धर्म से मानो कोई साधु संत थे तीखा पसंद था, समोसे बोहोत भाते थे Diabetes थी ना, मीठा कम ही खाते थे प्रभु भक्ति और काम में बराबर विलीन थे मूझपर वात्सल्य की वर्षा करते समय असीम थे मानवता, दया और सहानभूति का उच्च उदाहरण थे उनसा नहीं कोई पुत्र, पति और पिता, वो असाधारण थे उनके बारे में मैं जितना भी लिख डालू वो कम है और आज भी उनकी स्मृतियों से मेरी आंखें नम है बड़े मीठे, सुहाने, प्यारे प्यारे नामों से पुकारते थे वो मुझे और कभी कभी तो बस बैठे बैठे यूहीं निहारते थे वो मुझे जाते जाते वो मुझे विरासत में अपना सब कुछ दे गए पर अपने साथ वो मेरे अस्तित्व का एक टुकड़ा ले गए
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A story quite fresh in my mind (but the source where I got it from is quite vague in my mind, probably I heard it during school days and most probably a parable but has a deep impactful meaning). The Story goes like this:
Once Naarada asks Naarayana (Shri Vishnu Bhagwan) “Hey Lord, who is your most devoted devotee on the Earth?”
To this Lord Vishnu showed a poor farmer on the Earth and asked Naarada Muni to look at one day of his life and get back to him.
Naarada Muni, as ordered by Lord Vishnu went to him but a little bit confused. Lord Vishnu was with his blissful appearance and with a smile greeted Naarada Muni “so what did you find? Did you get to know why he is the most devoted devotee?”
To this Naarada Muni said “Dear Lord, I watched him an entire day, not…
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I heard the calm sea even before I tasted it. Yes, I relished the moist, dense, salted air with mouthfuls of breaths. And there was that smell, that raw, seaweed aroma that brought with it another kind of scent; a scent too familiar, too nostalgic—the fragrance of my fathers’ heady cologne.
I opened my eyes; a seven-year-old me was holding my father’s hand, the ankles of his trousers rolled up to his calves as he held my hand while I pulled him towards the sea. I laughed as the waves rolled under my feet, and the soft sand slipped, squishing between my toes, creating an illusion of the moving Earth.
Papa laughed along and picked me in his arms, taking me back to the resort, where the Flamingos strolled around the lagoon. I look at him and sulk, making a pout he adored.
“You have been gone so long…
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It was an Elephant then , now it’s a cow. Species changed not their fate. Two different states (Kerala and Himachal Pradesh), two expecting mothers (motherhood holds the same importance for any creature) met the same fate – fed with food (few saying “ate”) laced with fire crackers.
Injured severely, bleeding profusely, loitering around in agony, the elephant succumbed to its injury where as the cow received the treatment (hopefully doing better now). And their only mistake is that they crossed the boundaries in search of food, something we consider among the basic requirements, isn’t it? The Elephant inadvertently came to the habitat of people and the Cow disrespected the neighbour’s boundary. And what did they expect, they won’t be taught a lesson? How ignorant they were.
When I read the story of a pregnant cow severely injured because of firecrackers , an agonized me thought of penning down my…
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