One of The Best Eye Opener Message[Must Read]

It was their anniversary, and Aisha was waiting for her husband Rajiv to show up.

Things had changed since their marriage, the once cute couple couldn’t-live-without-each-other had turned bitter. Fighting over every little things, both didn’t like the way things had changed.

Aisha was waiting to see if Rajiv remembered it was their anniversary!

Just as the door bell rang she ran to find her husband wet and smiling with a bunch of flowers in his hand. The two started re-living the old days. Making up for fights, then was the plan for champagne, light music and it was raining outside! It was perfect. But the moment paused when the phone in the bedroom rang.

Aisha went to pick it up and it was a man. “Hello ma’am I’m calling from the police station. Is this Mr Rajiv Mehra’s number?”
“Yes it is!”

“I’m sorry ma’am; but there was an accident and a man died. We got this number from his wallet; we need you to come and identify his body.”

Aisha’s heart sank.!!! She was shocked! But my husband is here with me?”

“Sorry ma’am, but the incident took place at 2 pm, when he was boarding the train.”

Aisha was about to lose her conscience. How could this happen?!

She had heard about the soul of the person coming to meet a loved one before it leaves!

She ran into the other room. He was not there. It was true! He had left her for good!!

Oh God she would have died for another chance to mend every little fight! She rolled on the floor in pain. She lost her chance! Forever!

Suddenly there was a noise from the bathroom, the door opened and Rajiv came out and said “Darling, I forgot to tell you my wallet got stolen today”.

LIFE MIGHT NOT GIVE YOU A SECOND CHANCE. SO NEVER WASTE A MOMENT WHEN YOU CAN STILL MAKE UP FOR YOUR WRONGS!!!

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Overcome Suicidal Tendencies – Must Read

Thinking of suicide must read the following story.

Once in a state of depression, Sri Anna Hazare wanted to commit suicide. Just before he attempted it, Swami Vivekananda’s small booklet came to his hand. He read thoroughly again and again. The impact was such that his entire thinking underwent drastic change. He realized the worth of the human life after reading some teachings of Swami Vivekananda.: “Blessed are those whose bodies gets destroyed in the service of others.” “They alone live who live for others; the rest are more dead than alive.” After reading such inspiring messages he changed his plan and decided not to destroy body but to offer it for the service of fellow human beings. He went back to his village and started working for the people there. People look upon him as him as a savior, respect him, and bow down to him because of his great contribution in molding their lives. The body which he wanted to destroy and offer to crows and vultures by committing suicide is being honoured by thousands.

The ultimate goal of human life is to realize God or Self or Atman eternally present in the depth of human body.  If you are depressed because you could not achieve worldly success, take it in a positive way and think that your life is not meant for petty things of this world but God wants you to strive for higher spiritual things which can give you infinite peace and happiness, and thus you can overcome all your miseries like birth, death, disease,  old age, etc., once for all. Sufferings are related only to body and the mind but soul within is free from all such bondage.  Blessed are those who learn lessons from sufferings, instead of running away from the problems by committing suicide. Try to find permanent solutions for them by striving for spiritual enlightenment.

Top 5 tips to combat computer eye strain

Thousands of young people put vision at risk by straining their eyes and forgetting to visit the opticians. Eyesight is our most valued sense, beating smell, touch taste and hearing in a recent poll. But despite this, 17 per cent of Brits admit they haven’t had an eye checkup in the past three years and on a daily basis, an increasing number of us flit from work computer screens, to mobiles, to TVs to tablets and back again, so it’s no surprise eye strain is on the up.

If your eyes are just tired from staring at screens and you’re experiencing tired eyes from day to day tasks, here are top five tips for beating eye strain:

1. Take five. Give yourself a few minutes, get comfortable, close your eyes, take off your glasses if you wear them, slow down, relax and take deep breaths. Just for a few minutes to really give your eyes a break.

2. When you get home, avoid near work for a period of time. You’ve been working on a screen all day so don’t jump right into checking your email, or looking at your phone or even read for about an hour.

3. Change your lighting. You want a gentle, soft light that’s not too bright or high intensity, but still illuminates properly. Try dimming a light, or turning on lamp rather than the main light. See how your eyes feel – you don’t want to put them under strain from too little or too much light.

4. Blink. We blink less when we’re doing intense work and some of the eye fatigue can be due to dry eye that we might not even notice. Taking five can help but also blink, get in tune with your eyes and see how they’re feeling. If they’re dry, close them or if that’s not enough use eye drops.

5. Massage. When we work in front of a computer screen our forehead muscles get very tense and just a few minutes to massage the head, brow and neck, if you have someone to do it for you, can help ease the pressure.

Akbar’s Gold Coins – story with a moral

The wisdom of Birbal was unparalleled during the reign of Emperor Akbar. But Akbars brother in law was extremely jealous of him. He asked the Emperor to dispense with Birbals services and appoint him in his place. He gave ample assurance that he would prove to be more efficient and capable than Birbal. Before Akbar could take a decision on this matter, this news reached Birbal.

Birbal resigned and left. Akbars brother in law was made the minister in place of Birbal. Akbar decided to test the new minister. He gave three hundred gold coins to him and said, Spend these gold coins such that, I get a hundred gold coins here in this life; a hundred gold coins in the other world and another hundred gold coins neither here nor there.

The minister found the entire situation to be a maze of confusion and hopelessness. He spent sleepless nights worrying over how he would get himself out of this mess. Thinking in circles was making him go crazy. Eventually, on the advice of his wife he sought Birbals help. Birbal said, Just give me the gold cons. I shall handle the rest.

Birbal walked the streets of the city holding the bag of gold coins in his hand. He noticed a rich merchant celebrating his sons wedding. Birbal gave a hundred gold coins to him and bowed courteously saying, The Emperor Akbar sends you his good wishes and blessings for the wedding of your son. Please accept the gift he has sent. The merchant felt honoured that the king had sent a special messenger with such a precious gift. He honoured Birbal and gave him a large number of expensive gifts and a bag of gold coins as a return gift for the king.

Next, Birbal went to the area of the city were the poor people lived. There he bought food and clothing in exchange for a hundred gold coins and distributed them in the name of the Emperor.

When he came back to town he organized a concert of music and dance. He spent a hundred gold coins on it.

The next day Birbal entered Akbars darbar and announced that he had done all that the king had asked his brother-in-law to do. The Emperor waited to know how he had done it. Birbal repeated the sequences of all the events and then said, The money I gave to the merchant for the wedding of his son –  you have got back while on this earth. The money I spent on buying food and clothing for the poor – you will get it in the other world. The money I spent on the musical concert  – you will get neither here nor there.

This is true even today.

“The money you spend on friends is returned or reciprocated in some form or the other.

Money spent on charity gets converted into blessings from God which becomes your eternal property.

Money spent on pleasures is just frittered away!

So when you spend money, think a little, if not a lot!”

Tips To Make Effective Decisions

Its true that you are the product of your own thoughts and decisions. Whatever you decide on daily basis, whatever you do in your routine life is directly or indirectly linked to your future. That means you are making the foundation of your destiny with your decision and actions in your routine life. So by looking at the bigger picture, it is right to conclude that decision making is critically important for your success and achievements of lifetime goals.

Given below is the list of insightful factors which you need to considere while making decisions.

1. Consider the short term and long term consequences: Whether the decision is materialistic or a sensitive family matter. You have to consider short terms and long terms benefits.

2. Cost Vs quality if applicable. If you intend to purchase something, consider cost, quality, warranty perspectives. Usually cheep products have less life and bad quality but is not the case always. To cope up with this, define your budget and then carefully analyze all the options which are falling within your budget.

3. Need Vs wants analysis: Are you purchasing for pleasure or it is your long term need. Remember this is a difference between pleasure and happiness. Sometimes pleasure dost not last long so you don’t want to spend a lot for the sake of short time pleasure. If you are in Need of something then consider point-1 and point-2.

4. Consider emotions: This is quite sensitive aspect. You have to put yourself in everyone’s shoes to understand his/her emotions. You don’t want to hurt someone with your decision, instead you want to keep your stake holders emotionally satisfied. Emotional Intelligence is an art; learn it by reading on internet. To understand people you have to have true sense of judging people

5. Consider Win-Win: A balanced approach in which everyone gains is always recommended.

6. Consider all options: Don’t stop your brain on one idea or approach. Think about more options. Seek advice from others on different possible solutions of the given situation/problem. to the problems which need decisions.

7. Ask for criticism: If possible ask for criticism before implementing the decision. Although it’s never too late to ask for criticism even after your decision. Feedback always helps in your future.

8. Learn to differentiate between Urgent and Important tasks.

9. Closely observe others: Think about what your friend/colleague/acquaintance did under a specific condition. A wise man always learns from the mistakes of others.

Seven Habits of Highly Ethical People‏

People are ethical because of social norms, religious beliefs and laws. Ethical foundations in an individual define the way he lives the life by differentiating between right and wrong and behave in a way which improves the situation directly or indirectly however doesn’t harm it at any cost. Ethics have been defined by relevant governmental and religious authorities for several domains of life however below article occupies blanket coverage for all norms of life.

Below are top seven qualities of highly ethical people.

1. They are Empathic: Ethical people have high degree of emotional intelligence. They understand things from multiple perspectives covering all the direct and indirect stake holders.. They seek first to understand than to be understood. They have strong observatory, listening and analytical skills to understand things deeply.This quality makes them unique which enables them to win the trust of others; consequently, people share their problems with them with open heart and seek their support.

2. They Forgive and Forget: It requires a brave heart to forgive and forget. Ethical people dont keep grudges for long duration. They have the tendency to establish peace all the times hence keeping the brawls open does not suit them. They stay away from such complications and move ahead with life by forgiving and forgetting the matters.

3. They are Always willing to Help: Highly Ethical people always want to improve the situation regardless of their relationship with a person who is in trouble. They take either corrective, preventive or suggestive initiatives for resolving issues. Corrective approach ensures that the matter is fixed by doing some specific actions. Preventive approach guarantees that such particular matters do not appear again. They use preventive approach to reach the root cause of the issue so as to fix it permanently so as to avoid further frequency of such incidents. Suggestive methodology is used by them for guiding someone to do some specific act in order to overcome a tragic situation

4. They are Implosive: Ethical people are not hyper sensitive or explosive personalities. They possess a cool mind and a soft heart. They avoid frequent mood swings in order to develop a consistent and stable personality. They handle indecencies with decency. They know how to ignore hard and harsh comments and still converse softly. They know how to handle idiotic situations. They have high degree of anger management skills which further empowers their implosive personality trait.

5. They Mind Their Own Business: A lot of people have the habit of having serious curiosity about every other persons life. This habit causes them talk about people too much, spreading rumors and scattering false news in the society without any verification. Unlike those, ethical People do not interfere in others lives unnecessarily; they mind their own business. Ethical people understand the fact the character assassination is equally a great sin so they don’t give attention to rumors and focus on crystal clear matters; and avoid peeping into others personal matters.

6. They are Flexible adaptable: The wise says, it is better to bend than to break. Ethical people possess a great deal of elasticity. They adapt themselves according to the situation. They dont stick to one mind set. Their continuous thought process enables them to change their minds easily in order to improve a situation without making it a matter of ego. They are not stubborn at all instead portray a flexible behavior in all kind of tough situations.

7. They Do not criticize: Too much criticism is the root of several social and professional problems. Ethical people do not criticize at first place. In case they need to condemn or criticize something they follow a positive methodology to approach the relevant person and advice in a way which doesnt hurt anyone and convey the message in an effective way

Ten steps to reach your dream goal

Everyone follows different paths to reach their financial goals. While some prefer to invest in ‘safe’ assets others prefer riskier alternatives, and many believe in putting off larger expenses till their goals are met. No matter which method is used, there are some basic areas that need to be addressed to meet one’s financial goals.

Define financial goals – Goals should not be vague such as retirement or a better home. It should be specific, say, “I need to save Rs 5 crore for my retirement” or “I want to buy an independent 3 bedroom house in XYZ area”. The clearer the goals, the easier it is to plan and achieve them.

Create a financial plan – Review current investments, insurance, and other assets before making the plan. Decide on the investment avenues that will be used to achieve the goal. This will be based on your risk profile, age, earning capacity, tax bracket.

Risk tolerance – Do an assessment of the level of risk you are willing to take. Typically, higher risk assets yield higher returns and vice versa. If you are able to get a good night’s sleep while investing in riskier assets, then equity-based products are a good option, else it is better to invest in safer debt-based investment products.

Make a budget – This is one of the most important steps towards achieving one’s financial goals. A proper budget will help in ensuring that savings and investments are done regularly as well as keep unnecessary expenses and debt at bay. It is important to check the budget on a weekly and monthly basis to see if your expenses are within the budget or if they have gone over your income.

If you are in the green (income is greater than expenses) then your budget is working for you, but if you are in the red (with expenses more than income), then it is time to rationalise spending.

Automate Investments – It is advisable to invest on a monthly basis (through a systematic investment plan), as this will give one the double benefit of regular investment, or discipline in investments, and compounding. It will also negate the need to time the markets. Ideally, you should automate this process by a direct ECS transfer to avoid any last minute delays in investing.

Invest from an early age – Starting to invest early will give you the benefit of compounding. An additional few years will result in substantial difference in the value of the investment over a period of time. For example, if investor A starts investing Rs 50,000 per year at age 30 and investor B starts investing the same amount at age 35, when they both reach the age of 55, investor A has a corpus of Rs 61 lakh while investor B has only Rs 40 lakh (assuming both earned 8 per cent interest per annum). This shows that even a few years can make a substantial impact in the long run.

Diversify – Always seek to diversify portfolio, since one asset class could perform well, while others are posting low returns. Diversifying can help in reducing the risk in the portfolio, and give better returns over the long run. Ideally, your portfolio should be a mix of debt, equity, real estate, and commodities.

Time horizons – When making investments, time horizons need to be kept in mind. It is advisable not to invest money that is required for short term needs such as purchasing a car or digital camera, spending on a vacation, and such in equities as these are riskier in the short run.

Long term investment goals can be met with riskier assets, as over the long run equities are likely to give better returns.

Emergency fund – This is an important aspect of financial planning. You should always keep aside some money for emergencies in a liquid form (ideally in cash in a separate savings account). Ideally you should save four to six months’ of living expenses in this account.

Review – It is crucial to regularly review the portfolio, as what is a good investment today might not be the best investment a year or two hence. You can either monitor and rebalance the portfolio on a yearly basis, or based on the values of various asset classes in the portfolio.