Saturday, March 31, 2018

Thursday, March 22, 2018

Punctuation is more powerful man

Women without her man is nothing. As told by male students
Women without her, man is nothing, as told by girl students

Your health and water it please

WATER- PLEASE READ BELOW
                                                     
How many folks do you know who say they don't want to drink anything before going to bed because they'll have to get up during the night!!
Something else I didn't know ...  why do people need to urinate so much at night time.
Answer from a Cardiac Doctor:
Gravity holds water in the lower part of your body when you are upright  (legs swell). When you lie down and the lower body (legs, etc.) is level with the kidneys, it is then that the kidneys remove the water because it is easier. This then ties in with the last statement!
I knew you need your minimum water to help flush the toxins out of your body, but this was news to me.
Correct time to drink water... Very Important.
                                  > From A Cardiac Specialist!
Drinking water at a certain time maximizes its effectiveness on the body:
2 glasses of water after waking up - helps activate internal organs
1 glass of water 30 minutes before a meal - helps digestion
1 glass of water before taking a bath - helps lower blood pressure (who knew???)
1 glass of water before going to bed - avoids stroke or heart attack (good to know!)
In addition water at bed time will also help prevent night time leg cramps. Your leg muscles are seeking hydration when they cramp and wake you up with a Charlie Horse.
A Cardiologist has stated that if each person after receiving this e-mail,sends it to 10 people, probably one life could be saved!
I have already shared this information. What about you?
Do forward this message. It may save lives!
"Life is a one time gift."

Take sometime to cheer up happy day's are on the way

Read slowly.....You will Laugh -

Five facts about You You You You You You You You You You You You You You You You You You You You You You You You You You You You You You You You You You You You You You You You You You You You You You

1. You're so lazy You didn't read all the You's.

2. You didn't notice I put a Yoo.

3. You are now looking to find out.

4. You are laughing because you realise there is no 'Yoo' and you've been tricked.

5. You are going to
 forward this to others who are like 'YOU'!😜😜

I know at least 13 things about you now:

1. You are holding your phone

2. You are on blogger nandhari

3. You just opened my msg.

4. You are now reading it

5. You are human

7. You can't say the letter "P" without separating your lips

8. You just attempted to do it

9. You are laughing at yourself

10. You have smiles on your face

11. You skipped No.6

12. You just checked to see if there is a No.6

13. You are laughing at this because I caught you..

Hahaha is it true? 😃😜😄



Now that you've smiled, don't be stingy with the smiles, share them with friends.

Lots of distress in life. So read, have a good laugh & share wth ur friends.

Cheer up !!!👍👍👍

😊😊😊

Shaligram Shaligram Shaligram Shaligram_ any idea please note below shared

Re: Salagrama Pooja Procedure & Benefits

'He who maintains the Shaligrama shila, the Tulasi, and the conch in one place, becomes very dear to Lord Narayana." - Brahma Vaivaarta Purana.

what is saligrama? The Saligram is an extremely sacred stone found in the holy Gandhaki river in the Himalayans. They are considered the same as the Supreme Lord Himself (Bhagavan) and are worshiped throughout temples in India, Nepal and Bangladesh. As per Gautamiya Tantra, near the kali - Gandaki river, there is a big place called Shalagram.The stones which appear in that place are called shalagram shila. According to the Hindu tradition this stone is the shelter for a small insect known as "Vajra-Keeta" that has a diamond tooth which cuts through the Shaligram stone and stays inside it. The Saligram stones are hundreds of million years old when the Himalaya was an ocean floor.

The Shaligrams are specifically described as fossil-stones which have taken shape in the Gandaki-river, and as characterized by the presence of discus marks . The legend, related at length tells us that Gandaki, the lady-devotee, performed penances for longyears, and that she got a boon from Vishnu, which made Vishnu reside in her womb.

Saligrama is usually black in color with the symbol of sudarshana chakra. The chakras can be seen both outside and inside.The marks on the Shaligram gives it a special significance, with the pattern often representing that of Sudarshan Chakra, the Discus of Vishnu. The Shaligrams come in different colours, such as red, blue, yellow, black, greeen. All the varities are considered very sacred. The yellow and golden colour Shaligrams are considered most auspicious and bestow immense wealth and prosperity to the devotee.

Benefits of worshipping Salagrama: The Lord Krishna himself mentions the qualities of Shaligram to 'Yudhishtra' in the Mahabharta. Most of the Shaligrams are considered auspicious, some are very sacred, while others are considered to bring good luck, money, peace, sons and so on. The temples can use any kind of Shaligrams in their rituals. The place where the Shaligram stone is found is itself known by that name and is one of the 108 sacred pilgrimage places for the " Vaishnavas" outside India. In fact such is the auspiciousness of this place that the Puranas mention that any stone from this land is equally sacred to Shaligram.Worship Saligram gives Righteous living, Wealth, Protection, good health, pleasures and Spiritual life.

which saligrama should not keep in house? Anyone can keep sacred saligrama at home. To my knowledge i don't find any reason for not keeping saligrama, but Saligrama is one of the most important Puja items of the Hindus. This is actually a stone worshiped by the Hindus.Saligrama is another name of the Vishnu. Those who daily puja at home can keep saligrama. Saligrama requires daily puja except some occasional days.

which is said to have Ugrashakthi? All saligramas are giving benefits and having power. Many interpreters may come with new findings. This is not required for those who do puja daily. Saligrama keeping at home, doing puja at home will give benefits.He creates the entire variegated universe and then enters into it as the Super soul. Through this means He provides the life force and consciousness of everyone, and, thus, maintains the creation. As Sri Krishna explains, “As the mighty wind, blowing everywhere, always rests in ethereal space, know that in the same manner all beings rest in Me.” Vishnu is the God that helps to maintain the equilibrium between all the planets and whole universe, which ultimately affects our life so worshipping different incarnation of Lord Vishnu in the form of Shaligram stone will help to alleviate the problem.

The Skanda Purana, Padma Purana and other epics, the worshipper of Shree Shaligram knows no fear and is blessed to attain all desirable things, worldly comforts, good wife, good sons, good health, immense wealth, peaceful environment prevails in his surroundings and he gets immense protection against all evil forces. His all anxieties, mental tension goes off and all ambitions are fulfilled Even the water that has just touched the Shaligram becomes Amrit and by drinking it man is relieved of all diseases. Worshipping of Shaligram helps humans to live happy and peaceful life

Shared for my weak friends to grow strong ...don't miss your confidence

Sunder Pichai-Cockroach Theory -Don’t miss to read

A beautiful speech by Sundar Pichai - an IIT-MIT Alumnus and Global Head Google Chrome:

The cockroach theory for self development

At a restaurant, a cockroach suddenly flew from somewhere and sat on a lady.

She started screaming out of fear.

With a panic stricken face and trembling voice, she started jumping, with both her hands desperately trying to get rid of the cockroach.

Her reaction was contagious, as everyone in her group also got panicky.

The lady finally managed to push the cockroach away but ...it landed on another lady in the group.

Now, it was the turn of the other lady in the group to continue the drama.

The waiter rushed forward to their rescue.

In the relay of throwing, the cockroach next fell upon the waiter.

The waiter stood firm, composed himself and observed the behavior of the cockroach on his shirt.

When he was confident enough, he grabbed it with his fingers and threw it out of the restaurant.

Sipping my coffee and watching the amusement, the antenna of my mind picked up a few thoughts and started wondering, was the cockroach responsible for their histrionic behavior?

If so, then why was the waiter not disturbed?

He handled it near to perfection, without any chaos.

It is not the cockroach, but the inability of those people to handle the disturbance caused by the cockroach, that disturbed the ladies.

I realized that, it is not the shouting of my father or my boss or my wife that disturbs me, but it's my inability to handle the disturbances caused by their shouting that disturbs me.

It's not the traffic jams on the road that disturbs me, but my inability to handle the disturbance caused by the traffic jam that disturbs me.

More than the problem, it's my reaction to the problem that creates chaos in my life.

Lessons learnt from the story:

I understood, I should not react in life.
I should always respond.

The women reacted, whereas the waiter responded.

Reactions are always instinctive whereas responses are always well thought of.

A beautiful way to understand............LIFE.

Person who is HAPPY is not because Everything is RIGHT in his Life..

He is HAPPY because his Attitude towards Everything in his Life is Right..!!
🙏🏻 *Wish you all a very Happy Day*🙏🏻

Wednesday, March 21, 2018

Rule 72 financial planning

*RULE 72*

*What is Rule 72?*

In personal finance, if you divide the number 72 by the rate of interest, you get to know the number of years it will take for you to double the money..
Eg: if the rate of interest is 9%, simply divide the number 72 by 9% and the answer is 8. Thus it will take 8 years to double your money if you invest at 9% p.a. rate of interest.

*INTEREST:* We can use this rule in reverse to know the rate of interest needed to double your money to achieve your set goal.
Eg: If you have 250k today and you need 500k in 5 years. Just divide the number 72 by 5, the answer is 14.41%. Thus you need a type of investment avenue, where you earn at least 14.41% p.a. as rate of interest/returns to double your investment amount in 5 years.

*INFLATION:*
This 'Rule 72' helps you to understand about inflation also. It helps you to calculate the amount of time it will take for inflation to make the real value of money half. Let's say present inflation is 5.5%. When you divide 72 by 5.5% the answer is 13.09 years.  That is to say, if you have 100k in your kitty today, it would take around 13.09 years for the value of the money to be halved..

Hope it helps you in your day to day investments and other finance related activities.

Shared for happiest team to be happy ..hope u also want to be happy thoughts

 14 key tips for improving the quality of our personal status and contributing to a positive life:

🚩Tip 1. *Thank God for everything you have*:  Write down 10 things you have in your life that give you happiness. Focus on the good things!
🚩Tip 2. *Practice physical activity* Experts say exercising helps improve mood. 30 minutes of exercise is the best antidote against sadness and stress.
🚩Tip 3. *Breakfast:* Some people miss breakfast for lack of time or not to get fat. Studies show that breakfast gives you energy, helps you think and perform your activities successfully.
🚩Tip 4. *Be Assertive*: Ask what you want and say what you think. Being assertive helps improve your self-esteem. Being left and remaining silent creates sadness and hopelessness.
🚩Tip 5. *Spend your money on experiences*..a study found that 75% of people felt happier when they invested their money in travel, courses and classes; While only the rest said they felt happier when buying things.
🚩Tip 6. *Face your challenges*: Studies show that the more you postpone something, the more anxiety and tension you generate. Write short weekly lists of tasks and complete them.
🚩Tip 7. *Put everywhere nice memories, phrases and photos of your loved ones*: Fill your fridge, your computer, your desk, your room, YOUR LIFE of beautiful memories.
🚩Tip 8. *Always greet and be nice to other people*: More than 100 inquiries state that just smiling changes the mood.
🚩Tip 9. *Wear comfortable shoes*: If your feet hurt you, you become moody, says Dr. Keinth Wapner, President of the American Orthopedics Association.
🚩Tip 10. *Take care of your posture*: Walk straight with your shoulders slightly backwards and the front view helps to maintain a good mood.
🚩Tip 11. *Listen to music* (Praise God): It is proven that listening to music awakens you to sing, this will make your life happy.
🚩Tip 12. *What you eat has an impact on your mood*:- Do not skip meals, eat lightly every 3 to 4 hours and keep glucose levels stable.- Avoid excess white flour and sugar.- Eat everything! Healthy- Vary your food.
🚩Tip 13. *Take care of yourself and feel attractive*:70% of people say they feel happier when they think they look good.
🚩Tip 14. *Fervently believe in God*: With him nothing is impossible!

Happiness is like a remote control, we lose it every time, we go crazy looking for it and many times without knowing it, we are sitting on top of it ... 👍👍🙏

Shared for happiest team to be happy ..hope u also want to be happy thoughts

 14 key tips for improving the quality of our personal status and contributing to a positive life:

🚩Tip 1. *Thank God for everything you have*:  Write down 10 things you have in your life that give you happiness. Focus on the good things!
🚩Tip 2. *Practice physical activity* Experts say exercising helps improve mood. 30 minutes of exercise is the best antidote against sadness and stress.
🚩Tip 3. *Breakfast:* Some people miss breakfast for lack of time or not to get fat. Studies show that breakfast gives you energy, helps you think and perform your activities successfully.
🚩Tip 4. *Be Assertive*: Ask what you want and say what you think. Being assertive helps improve your self-esteem. Being left and remaining silent creates sadness and hopelessness.
🚩Tip 5. *Spend your money on experiences*..a study found that 75% of people felt happier when they invested their money in travel, courses and classes; While only the rest said they felt happier when buying things.
🚩Tip 6. *Face your challenges*: Studies show that the more you postpone something, the more anxiety and tension you generate. Write short weekly lists of tasks and complete them.
🚩Tip 7. *Put everywhere nice memories, phrases and photos of your loved ones*: Fill your fridge, your computer, your desk, your room, YOUR LIFE of beautiful memories.
🚩Tip 8. *Always greet and be nice to other people*: More than 100 inquiries state that just smiling changes the mood.
🚩Tip 9. *Wear comfortable shoes*: If your feet hurt you, you become moody, says Dr. Keinth Wapner, President of the American Orthopedics Association.
🚩Tip 10. *Take care of your posture*: Walk straight with your shoulders slightly backwards and the front view helps to maintain a good mood.
🚩Tip 11. *Listen to music* (Praise God): It is proven that listening to music awakens you to sing, this will make your life happy.
🚩Tip 12. *What you eat has an impact on your mood*:- Do not skip meals, eat lightly every 3 to 4 hours and keep glucose levels stable.- Avoid excess white flour and sugar.- Eat everything! Healthy- Vary your food.
🚩Tip 13. *Take care of yourself and feel attractive*:70% of people say they feel happier when they think they look good.
🚩Tip 14. *Fervently believe in God*: With him nothing is impossible!

Happiness is like a remote control, we lose it every time, we go crazy looking for it and many times without knowing it, we are sitting on top of it ... 👍👍🙏

Think wise giver for not self..best wishes

TRUST IN DIVINE PROVIDENCE & DOING GOD'S WORK

_*if u really want to help yourself more, help others*_


Krishna and Arjuna were taking a stroll when they came across a Brahmin who was begging. Arjuna out of pity gave him a pouch full of gold coins. The Brahmin was overjoyed and set off for home with a romantic song in his heart and dreamy eyes. On the way, a robber looted him.
So, on the following day, he was out begging again. Arjuna was surprised to see him.

On hearing his story, Arjuna felt pity again and gave him a valuable gem and made sure that the man hid it in his pocket while going home. The Brahmin hid it in an old mud pot that was lying unused for a long time in his house.

His wife had gone out to fetch water from the river. On her way back she fell down and her pot of water broke.

 So she went home and quietly picked up the old mud pot and went to fetch water.

 The Brahmin was fast asleep. The moment she lowered the pot into the river to fill it, the gem fell out. She went home totally unaware of the loss she had just caused.

The Brahmin cursed his destiny when he realised what had happened.

The next day, he was back to begging again.

Isn't it true that we may give something to another but we cannot change another's destiny? But God can! Read on.
When Krishna and Arjuna heard the tearful story of the poor Brahmin, Krishna quietly gave two paisa to the Brahmin.

 Arjuna exclaimed, "Oh Deenabandhu! I could not redeem him of his poverty even by giving him so many gold coins and the precious gem. What difference will two paisa make? Perhaps it is his destiny that he shall always be a beggar!"
Krishna just smiled.

The Brahmin too was baffled with the paltriness of Krishna's donation, especially in contrast with Arjuna's largesse.
On the way home he saw that a fisherman had just caught a fish, which was gasping for life. He felt pity for the poor creature and thought to himself, "These two paisa will not be enough to buy me even a meal. So, let me buy the fish and save its life."

The Brahmin bought the fish for two paisa and immediately put it into his begging bowl and poured water into it. He set off towards the river to release the fish. He then noticed that the fish spat out something. It was the same precious gem that Arjuna had given him that he had hid in the mud pot!

The Brahmin was overjoyed. In his ecstasy he exclaimed, "I found it, I found it." Coincidentally the robber who had looted him of his pouch full of gold coins was sitting just there. He thought the Brahmin had recognized him and was shouting, "I found him, I found him." Fearing that he would be taken to the king's court and punished, he begged the Brahmin to pardon him and also returned the gold coins.

He returned, thanked Arjuna and Krishna and told Them what had happened. Arjuna was astounded! He said, "Krishna, what I could not achieve by giving so much, You have achieved by giving so little! What is this mystery?"

Krishna smiled His beautiful bewitching smile and said, "Both times when you gave to him, he thought only of his personal comforts and the betterment of his life. When I gave him, he thought about the woes of another living creature.

Truly speaking, when someone shows empathy and helps someone, he is doing My Work. When he is doing My Work, how can I not do his?"

✨✨✨

Whatever we do for ourselves, will soon be forgotten and we have to leave it all behind one day. Whatever help we do for others, elevates us both and is remembered for ever. We live in our legacy and the legacy we choose, is the choice given to us.

Shared as read about farmer and growth new generation shared



India is the richest country in the world... "Even if you sell the temple bells in India, it shall become a superpower"

But the funniest thing is people fail to understand that they are like Servants in their nation.

Owing to which a farmer commits suicide cursing God and his misfortunes

The poor in this country fails to recognize the true culprits behind his poverty.

The youth is unaware of the people responsible for his unemployment.

Do you gather _Punya_ by offering hairs to God, really..??

Does prosperity come to you by offering a coconut..??

In realty...
Hair and coconuts offered make big business.

What does one achieve by offering Gold/Silver..?? Infact these are just auctioned off.

Of what use is such Charity....

*Try to donate seeds to farmers.*

*Try to help in a poor girls marriage.*

*Try to adopt an orphaned child.*

*Try to feed a hungry person.*

*Try to help a handicapped person.*

*Try  to donate to a village school library.*

*Try to donate to an old age home.*

Schools in villages have no shelter but temples have Marble flooring.

Parents make hundred queries for donating Rs 200/-  to a school but donate in thousands to a temple without any question.

Will such a nation become a superpower in real sense.

We call ourselves an agriculturist nation and our farmers commit suicides almost in every state.

Please Read and forward..!!

*🇮🇳VANDEMATRAM 🇮🇳*

Water before meals . Health care

Good Morning
If you are immensely hungry and are thinking that you can gulp down a plate of biryani, then before starting your meal, HAVE A GLASS OF WATER.
Within seconds, you will have a feeling of fullness. This will prevent you from OVEREATING, which can otherwise lead to the accumulation of fat in the body.

Shared to care your financial concerns

Some very important financial tips that everyone should know ....

1. Avoid buying property on loans as it eats most of your earnings unless you have a clear plan for its repayment. It's important to monitor cash flow. Though, the house will be your asset, your liability will be much more.

2. Start a SIP at a very young age. Try to save atleast 15–25 % of your earnings.

3. Avoid buying a car unless you use it everyday.
.
4. Do not let this sentence scare you. “Mutual fund investment are subject to market risk. Please read the offer documents carefully before investing”. Most people avoid investing in mutual funds just because of this one warning. Yes, there is a market risk, but look at the history and growth of mutual funds.

5. Try having a simple wedding.

6. Atleast 20% of your wealth should be liquid so you can utilize it when necessary.

7. Considering inflation, you are actually losing money if it is in savings bank account. Do not keep huge money in savings bank account.

8. If you invest in stocks, pay due attention.

9. If you invest in stocks have a separate account for delivery investment and Intraday investment. It is easy to monitor this way and also makes tax calculation easy

10. Do not have a belief that property and car make you rich. Its what you save and invest, that is important.

11. Never invest in insurance for returns. Insurance is not an investment option. It is a risk management tool.

12. Never use credit cards for lavish spending. Use credit cards intelligently and for needs not for wants.

13. Cancel all credit cards before you die. Or inform family about all your accounts, credit cards, loans and saving now itself.  Even a small residue will cost your family much.

14. Invest on yourself and then on other investments.

15. Always try to balance your earnings with your savings first, then on  spending and loans. Never take unnecessary loans. Always have reserve and utilise them and unless no other go never take loan.

16. Always have a plan for future events on your career, life, spending and finance.

17. Always have a reserve on your savings for contingency and urgent situations.

18. Your personal life and health are the most important investment. Do have a regular health check and do healthy workout every day. Stay healthy and live happily.

19. Always remember death can come anytime.....so please do buy adequate term Insurance if you have dependents.

20. Prepare a Will. It may avoid unnecessary fights after you die.

21. Most importantly follow these advice. Also share this with others. They will appreciate  your guidance.

Caution with teeth

Dentist: Why is one of your teeth broken?
 Man: I ate a chakli prepared by my wife that  was very hard, Doc
!Dentist: If it was so hard, you should have refused to eat.
Man: Then all 32 teeth would have been broken

Name you guess who you are.

Guess who you are..
 3 rd alphabet of yours name  belongs to below category.
Just. Try if I guess  right.....

A - GIFTED
B - LOVED BY ALL
C - INNOCENT
D - TALENTED
E - GOOD BUT HURTS
F - FEEL FOR OTHERS
G - LOGICAL THINKING
H - CALM
I - RESPECTED
J - ENJOY LIFE
K - LOVABLE
L - FUNNY
M - GREAT PERSON
N - PROUD
O - SPORTIVE
P - SMILING
Q - COOL
R - UNPREDICTABLE
S - CARING
T - GENUINE
U - PRACTICAL & GENIUS
V - ANGRY
W - TAKE IT EASY
X - INTELLIGENT
Y - ENJOYABLE
Z - JOVIAL

check yours

Need to think wise shared as read

In 1998, Kodak employed 1,70,000 employees and sold 85% of the world's photo papers. Within the last few years, digital photography made them out of the market. Kodak went bankrupt and all his staff came on the road. .

HMT (clock)
BAJAJ (scooter)
DYNORA (TV)
MURPHY (radio)
NOKIA (Mobile)
RAJDOOT (bike)
AMBASDOR (car)

Friends,
There was no shortage of quality at all, yet they were out of the market !!
reason???
They have not changed over time. !!

You have an idea that in the coming 10 years, the world will change completely and 70 to 90% of the people running today will be closed.

Welcome to the 4th Industrial Revolution ...

Uber is just a software. He does not have a single car of his own, despite this he is the world's largest taxi company.

Airbnb is the world's largest hotel company, while they do not have a single hotel of their own.

There are many examples like paytm, ola cabs, oyo rooms.

There is no work left for young lawyers in the US now because the software named IBM Watson gives better legal advice throughout the moment. In the next 10 years, 90% of Americans will become unemployed ... who will save 10% ... they will be Super Specialists.

The software named Watson is diagnosed with 4x Accuracy of Cancer compared to humans. By 2030 the computer will be more intelligent than humans.

By 2018, Driverless cars will land on the roads. By 2020, this single invention will start to change the whole world.

90% cars will disappear from the streets of the world in the next 10 years ... Those who will survive will either have electric cars or hybrid ... roads will be empty, consumption of petrol will decrease by 90%, all Arab countries will become bankrupt .

You will request a car from a software like Uber and in a few moments, a driverless car will be parked at your door ... if you share it with someone, that ride will be cheaper than your bike.

Due to being a driverless of cars, 99% of accidents will stop. This will stop the business of Car Insurance.

No employment like a driver will survive on earth. When 90% cars will disappear from cities and roads, problems like Traffic and Parking will end automatically ... because a car will be equal to 20 cars today.

From today 5 or 10 years ago, there was no such place where there is no PCO. Then when the mobile phone came in all the pockets, the PCO started to shut down. Then all the PCO people started selling the phone again. Now the recharge is also going on line.

Have you ever noticed ..?

Nowadays every third store in the market is now mobile phone.
sale, service, recharge, accessories, repair, maintenance.

Now all is done by Paytm .. Now people have started booking railway tickets with their phones. Now the transaction of money is also changing. Currency Note was replaced by Plastic Money and now Digital becomes Transactions are

The world is changing very fast .. Keep the eye ears nose open or else you will lose ...

Prepare to change over time.

Hence...
The person should continue to make changes in his business and his nature over time.

"Time to Time Update & Upgrade"

Run with time and get success.

Comedy time

Husband : Last night in your sleep you were using abusive language against me.

Wife :  That was your imagination.

Husband : What imagination? ?

Wife : That I was asleep.

😉😂😂

U HAVE DONE IT SEE ME TOMMOROW AND EVER FOR RESULTS OF GROWTH

U HAVE DONE IT SEE ME TOMMOROW AND EVER FOR RESULTS OF GROWTH

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