Beautiful Quotes – Worth Reading

1. Everyone have two Eyes ... But No one has the same View... 
2. The most important quality of successful people is their willingness to change...
3. Human beings are very strange. They have ego of their knowledge but, they don't have knowledge of their ego.
4. People who judge do not matter. People who matter do not judge.
5. Alphabet "O" stands for Opportunity which is absent inYesterday", Available only once in "Today" And thrice in "Tomorrow".
6. "Pain is Unavoidable but, Suffering is Optional.."
7. Never ignore a person who loves and cares for you, because one day you may realize that you've lost the moon while counting the stars.
8. Sometimes life doesn't give you something you want, not because you don't deserve it, but because you deserve more.
9. If the Road is Beautiful then worry About the Destination, But if the Destination is Beautiful, Then Don't Worry About The Road!
 
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Thumb Rule of Financial Planning!

1. 30 % of your income must be used for monthly living expenses.
2. 30% of your income must be used for Liabilities repayments, if any…
3. 30% of your income must be SAVED and INVESTED for your future LIVING.
4. 10% of your income must be spared for entertainments, vacations
5. 6 months expenses must be available for emergency fund (should be invested in LIQUID FUND, FD Etc)
6. Home loan must be registered and apply on both husband and wife name. (Both can get benefits on Home loan Tax benefits)
7. Buying second house for investment is not advisable ( _Survey reports – it will fetch you only around 3% return_)
8. After 45 years of age, not supposed to enter into any BIG LIABILITIES (Higher education of children and wedding of children will happen around 45 to 50 only, so plan now for the same.)
9. Have joint account @ Bank savings account.
10. Property must be registered on both Husband and wife name. (As per legal act – after husband first legal heir is wife, after wife it will go to children only)
11. Regular check on Nominations at all financial instruments. if not nominated, do it now..
12. Only in insurance policy, Claims payable to Nominee. In other financial instruments legal heirs certificate is must to get back the settlement
13. Must have Term Insurance to financially secure future of your dependants..
14. Don’t take any financial investment decisions EMOTIONALLY,  and also Avoid last minute tax saving investment decisions, plan well in advance..
15. MEDICLAIM is must (in spite of Group mediclaim coverage given at office) (After retirement there is no mediclaim coverage, after 50-55 years of age, it’s very tough and costly to enter into mediclaim)
16. For your jewelry LOCKER, Only one lakh is payable by bank, if theft or fire happen at bank. Provided insurance done.
17. Like same way Government guaranteed only one lakh for your FD also. (Fixed deposits with Banks upto Rs. 1 lakh only are backed by deposit insurance)
18. Must know all Tax implications. You cannot avoid paying tax. But you can minimize by way of tax planning and investments..
19. All financial documents must be kept safely and keep family members informed of the same..
20. Financial investments must be followed through personal financial advisor..
21. Review your portfolio at every six month..
These are general suggestions, personal Finance and investment decisions depends upon case to case_
Have a Healthy and Wealthy 2017..

The 90/10 Principle 

Have you read this before? Discover the 90/10 Principle. It will change your life (at least the way you react to situations). What is this principle?

10% of life is made up of what happens to you. 90% of life is decided by how you react. What does this mean?

We really have no control over 10% of what happens to us. We cannot stop the car from breaking down. The plane will be late arriving, which throws our whole schedule off. A driver may cut us off in traffic. We have no control over this 10%. The other 90% is different. You determine the other 90%.

How? By your reaction. You cannot control a red light, but you can control your reaction. Don’t let people fool you; YOU can control how you react.

Let’s use an example.

You are eating breakfast with your family. Your daughter knocks over a cup of coffee onto your business shirt. You have no control over what just what happened. What happens when the next will be determined by how you react.You curse. You harshly scold your daughter for knocking the cup over.

She breaks down in tears. After scolding her, you turn to your spouse and criticize her for placing the cup too close to the edge of the table. A short verbal battle follows. You storm upstairs and change your shirt. Back downstairs, you find your daughter has been too busy crying to finish breakfast and get ready for school. She misses the bus. Your spouse must leave immediately for work.

You rush to the car and drive your daughter to school. Because you are late, you drive 40 miles an hour in a 30 mph speed limit. After a 15-minute delay and throwing Rs. 200/- traffic fine away, you arrive at school. Your daughter runs into the building without saying goodbye. After arriving at the office 20 minutes late, you find you forgot your briefcase. Your day has started terrible. As it continues, it seems to get worse and worse. You look forward to coming home, When you arrive home, you find small wedge in your relationship with your spouse and daughter.

Why? Because of how you reacted in the morning. Why did you have a bad day?

A) Did the coffee cause it?

B) Did your daughter cause it?

C) Did the policeman cause it?

D) Did you cause it?

The answer is “D”.

You had no control over what happened with the coffee.

How you reacted in those 5 seconds is what caused your bad day. Here is what could have and should have happened.

Coffee splashes over you. Your daughter is about to cry. You gently say, “It’s ok honey, you just need, to be more careful next time”. Grabbing a towel you rush upstairs. After grabbing a new shirt and your briefcase, you come back down in time to look through the window and see your child getting on the bus. She turns and waves. You arrive 5 minutes early and cheerfully greet the staff. Your boss comments on how good the day you are having.

Notice the difference?

Two different scenarios. Both started the same. Both ended different.

Why? Because of how you REACTED.

You really do not have any control over 10% of what happens. The other 90% was determined by your reaction.

Here are some ways to apply the 90/10 principle.

If someone says something negative about you, don’t be a sponge. Let the attack roll off like water on glass. You don’t have to let the negative comment affect you! React properly and it will not ruin your day. A wrong reaction could result in losing a friend, being fired, getting stressed out etc.

How do you react if someone cuts you off in traffic? Do you lose your temper? Pound on the steering wheel? A friend of mine had the steering wheel fall off)

Do you curse? Does your blood pressure skyrocket? Do you try and bump them? WHO CARES if you arrive ten seconds later at work? Why let the cars ruin your drive?

Remember the 90/10 principle, and do not worry about it.

You are told you lost your job. Why lose sleep and get irritated? It will work out. Use your worrying energy and time into finding another job.The plane is late; it is going to mangle your schedule for the day. Why take out your frustration on the flight attendant? She has no control over what is going on. Use your time to study, get to know the other passenger.

Why get stressed out? It will just make things worse. Now you know the 90-10 principle. Apply it and you will be amazed at the results. You will lose nothing if you try it.

The 90-10 principle is incredible. Very few know and apply this principle.

The result? Millions of people are suffering from undeserved stress, trials, problems and heartache.

Author: Stephen Covey (Management Guru)

13 Japanese Diet Tips To Make You Healthier And Beautiful Both Inside And Outside!

The Japanese have the longest life span in the world with 86 years for women and 79 years for men. All of this is thanks to what they eat thus making the island nation with the lowest obesity rate (3%) in the developed world. “The Japanese diet is the iPod of food,” says Naomi Moriyama, a dietician, “it concentrates the magnificent energy of food into a compact and pleasurable size.”
1. Eat with your eyes
There’s a proverb in Japan that literally translates as “Not dressing up the meal with color is like sending someone out of the house without clothes.” Traditional Japanese meals use food items that are red, green, yellow, white and black in colour to give the food an aesthetic appeal and reflect the nature of the seasons. Compare a platter of sushi or a bento box to a hamburger and fries (although the latter is perceived as delicious and can be wolfed down) the former is a work of art that has to be appreciated like art. Go slow, take small bites, relish every flavour.
2. Smaller portions
Break down your meal into smaller portions, this way you can enjoy a greater variety of foods.
Scientists in the University Of Illinois found that people tend to eat up to 45% more when they are served bigger portions. They filled their plates according to it’s size. So bigger the plate, larger the portion size.
Lesson learnt: Use dessert and salad plates.
3. Fill your stomach up to only 80%
Or Hara hachi bunme as it is said in Japanese. The idea is to reinforce the eating of smaller portions. We have been raised to eat until we are absolutely full so that we don’t feel hungry later. However it’s better to not stuff ourselves and only eat until we feel adequately full.
Yes you will feel hungry after a few hours but that’s ok. It means lesser pressure on intestines and slowing down of the aging process of cells which can help to prevent cancer, heart attacks and diabetes.
4. Light dinner or supper
Following the 80% rule discussed above, a light dinner puts less pressure on your intestines and allows you to digest your food in your sleep. Heavy meals can sometimes make you wake up feeling full in the morning and this upsets your routine when you skip breakfast.
5. Rice is nice
Rice is a low fat complex carbohydrate that helps fill you up on lower calories (small bowl of rice has lesser calories than two slices of bread) This will not keep you hungry and craving for snacks right after your meal.
6. Eat more than 5 types of vegetables a day
Preferably of different colours if you are like a Japanese lady who has an OCD.
The Japanese incorporate about 4-5 types of vegetables in each meal which make up the major bulk. They are sometimes eaten raw as a salad or cooked in a broth which enhances its flavours. Stir fried vegetables taste delicious but sadly their nutrients are gone.
Warning! Avoid salad dressings which contain mayonnaise, opt for yoghurt based dressings or vinaigrettes and lemon juice.
7. Eat vegetables first
Now that you’re sorted with vegetables being part of your meal and are ready to dig in, beeline for the veggies first!
Why? Your mom would say save the best for last, but the real reason is that vegetables absorb toxins that are already present. Vegetables are full of fibre and when you consume them first, this fibre helps to cover whatever is eaten after and inhibits insulin spikes and the speed at which sugar is transported into the blood.
Proteins are harder to digest when they are eaten first and everything else eaten after would take time making you feel bloated. Raw vegetables contain a digestive enzyme that helps break down proteins.
8. Replace red meat with fish
Japanese favourites like salmon, mackerel, fresh tuna, sardines and herring are a rich source of Omega 3 fatty acids which are known for their heart-health and mood boosting benefits. The island nation accounts for 2% of the worlds population but consumes 10% of the worlds fish.
9. Fermented foods
Fermented foods such as Yoghurt, dahi, Miso (fermented soy bean paste) and Tofu control high blood sugar levels. They support and strengthen immune and digestive systems, preventing diseases such as cancer.
Try to make fermented foods a part of your meal or consume them after you are done eating. A small bowl of dahi after an Indian meal works equally well.
10. Soy Products
When consumed in moderation, soy products like Tofu and Edamame beans which are rich in protein are a good vegetarian alternative for red meat as they have little or no saturated fat.
Recently, research has proven cows milk as not fit for human consumption as it causes the body to produce mucous. Healthier options are soy milk and almond milk. Soy milk contains vitamin B1, B2, B6 and E which helps to rejuvenate the skin and prevent acne breakouts.
It contains 8 essential amino acids and has a fair amount of protein.
11. Fresh Seasonal Fruit
Desserts in Japan are usually beautifully decorated plates with sliced fresh fruit of the season. Like vegetables, a variety of fruits should be eaten.
Remember to eat seasonal and local produce.
12. Tea is key
Green tea is low in calories and caffeine which makes it an excellent alternative to coffee and other creamy beverages. It aids digestion and the anti-oxidants it contains helps to clear the system of any toxins.
13. Indulge in moderation
The Japanese diet seems to be very strict and you might think its a routine for skinny supermodels, but there is always room to indulge. The Japanese love western sweets and dark chocolate but if you notice, they are very small.
Junk food is eaten once in a while and when it is, it is forgotten with healthy servings of broth, vegetables and green tea the next day.

7 HABITS OF HAPPY KIDS

Habit 1 — Be Proactive

You’re in Charge I am a responsible person.  I take initiative.  I choose my actions, attitudes, and moods.  I do not blame others for my wrong actions.  I do the right thing without being asked, even when no one is looking.

Habit 2 — Begin with the End in Mind

Have a Plan I plan ahead and set goals.  I do things that have meaning and make a difference.  I am an important part of my classroom and contribute to  my school’s mission and vision. I look for ways to be a good citizen.

Habit 3 — Put First Things First

Work First, Then Play I spend my time on things that are most important.  This means I say no to things I know I should not do.  I set priorities, make a schedule, and follow my plan.  I am disciplined and organized.

Habit 4 — Think Win-Win

Everyone Can Win I balance courage for getting what I want with  consideration for what others want. I make deposits in others’  Emotional Bank Accounts. When conflicts arise,  I look for third nkgernatives.

Habit 5 — Seek First to Understand, Then to Be Understood

Listen Before You Talk I listen to other people’s ideas and feelings.  I try to see things from their viewpoints. I listen to others  without interrupting. I am confident in voicing my ideas.  I look people in the eyes when talking.

Habit 6 — Synergize

Together Is Better I value other people’s strengths and learn from them.  I get along well with others, even people who are different than me.  I work well in groups. I seek out other people’s ideas to solve  problems because I know that by teaming with others we can  create better solutions than anyone of us can alone. I am humble.

AND FINALLY

Habit 7 — Sharpen The Saw

Balance Feels Best I take care of my body by eating right, exercising and getting sleep.  I spend time with family and friends. I learn in lots of ways and  lots of places, not just at school. I find meaningful ways to help others.

Detachment and Happyness (Inspiring Story)

A man who has gone out of his town comes back and finds that his house is on fire.

It was one of the most beautiful houses in the town, and the man loved the house the most! Many were ready to give double price for the house, but he had never agreed for any price and now it is just burning before his eyes.

And thousands of people have gathered, but nothing can be done, the fire has spread so far that even if you try to put it out, nothing will be saved. So he becomes very sad.

His son comes running and whispers something in his ear:

“Don’t be worried. I sold it yesterday and at a very good price ― three times.The offer was so good I could not wait for you. Forgive me.”

Father said, “thank God, it’s not ours now!” Then the father is relaxed and became a silent watcher, just like 1000s of other watchers.

Please think about it!
Just a moment before he was not a watcher, he was attached.

It is the same house….the same fire…. everything is the same…but now he is not concerned.
In fact started enjoying it just as everybody else in the crowd.

Then the second son comes running, and he says to the father, “What are you doing? You are smiling ― and the house is on fire?” The father said, “Don’t you know, your brother has sold it.”

He said, “we have taken only advance amount, not settled fully. I doubt now that the man is going to purchase it now.”

Again, everything changes!!

Tears which had disappeared, have come back to the father’s eyes, his smile is no more there, his heart is beating fast. The ‘watcher’ is gone. He is again attached.

And then the third son comes, and he says, “That man is a man of his word. I have just come from him. He said, ‘It doesn’t matter whether the house is burnt or not, it is mine. And I am going to pay the price that I have settled for. Neither you knew, nor I knew that the house would catch on fire.'”

Again the joy is back and family became ‘watchers’! The attachment is no more there.

Actually nothing is changing!

just the feeling that

“I am the owner! I am not the owner of the house!”

makes the whole difference.

This simple methodology of watching the mind, that you have nothing to do with it..Everything starts with a Thought !

Most of the thoughts are not yours but from your parents, your teachers, your friends, the books, the movies, the television, the newspapers.

Just count how many thoughts are your own, and you will be surprised that not a single thought is your own. All are from other sources, all are borrowed ― either dumped by others on you, or foolishly dumped by yourself upon yourself, but nothing is yours.

Sow a thought, you reap an action.
Sow an act, you reap a habit.
Sow a habit, you reap a character.
Sow a character, you reap a destiny..!