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Sunday, 6 October 2013

[www.keralites.net] 7 Ways to be More Organized

ByJunaid Tahir

Why Staying organized helps?

Staying organized has many advantages in terms of having more time for yourself and family; in terms of saving money; peace of mind, better health, balanced life and improved professional/Social life.

Below are some considerations on how to be more Organized and consequently get the benefits mentioned above.

How to stay organized?

1.Use files or folders to place all your Personal documents. Segregate your documents and place different kind of documents in different files. For example utility bills, educational documents and purchase receipts to be placed in three different files. If you want you can scan (or take a picture from your mobile) and put it in your email for quick reference. Make sure your password is safe!Advantage:Saves time and avoid stress to find the relevant document.

2.Differentiate between urgent and important tasks. Important tasks sooner or later will come out to be either very fruitful (if you have given them proper attention) or would be a complete disaster (if you have avoided them).Advantage:Attending Urgent tasks in timely manner will ensure healthy outcome in terms of family, personal, financial or professional life. You may want to read my article athttp://paradigmwisdom.blogspot.com/2012/01/learn-to-differentiate-between-urgent.html

3.You need to closely observe your Time stealers. the routine tasks which takes away a lot of time but do not produce real good results should be optimized.Advantage:You will have more control on your time and arrange it for family self matters.

4.Place your things at right locations. Allocate proper drawers, boxes, cabinets, Files, balcony for accessories.Advantage:you don't have to waste your time when you need something

5.Google Calendar is a great service which sends you email and SMS for any event which you store in your online Calendar. You can set reminders for next car service, tires replacement, remembering birthdays anniversaries and so on.Advantage:you will save money by avoiding disasters (car malfunctioning etc), you will have healthy family relations (birthdays etc)

6.Make a to-do list. Maintain it on daily/weekly basis. Use 'post-it' notes for shopping list.Advantage:Critical tasks will not be missed. Unnecessary market revisits will be avoided.

7.If you are Muslim, your Prayers timings can make you punctual and give you the convenience to organize a lot of events in-between two prayers. You can become a role model for others by being organized this way.

Stay organized for a concrete grip on your life starting today.

www.keralites.net

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[www.keralites.net] What is your favorite room in your home :)

Bedroom
Livingroom
Dining room
Bathroom
Kitchen
Balcony
Study or Den
None at all

Analysis Below:-

a) Bed Room:-You are an imaginative and colorful character. You Believe in true love but until you find it, you'll have fun flirting. You attract people just by the way you talk. This can make insecure people feel jealous.

b) Living Room:-You are sociable and enjoy talking to people. Whenever you have the opportunity, you'll help people. You don't shirk responsibility, and in fact enjoy taking on leadership roles.

c) Dining Room:-You are conservative, cautious and don't panic in emergencies. You are an extrovert, and like sharing ideas with people. However, yu also need to spend time alone to organize your thoughts.

d) Bath Room:-You take good care of yourself and are concerned about your health. When you hear about any new illnesses, you start watching out for the first symptoms to appear. This can sometimes annoy your friends. However, you look at the world on the bright side, and this makes you quite popular.

e) Kitchen:- Easygoing and altruistic, you are most happy when taking care of others. While at times you can be boisterous, you make people feel comfortable around you and they always seek your advice when they have problems.

f) Balcony:- You love freedom and hate to be controlled. You want to walk away from all the rules and rely on your imagination to direct your life instead. When you need to reenergize yourself, you head to thebeachor to the forest.

g) Study or den:- You take life seriously and like things to be neat and in order. Proud and dignified, you don't like to be mocked. You are a good listener even when you disagree with other people's ideas.

h) None at all:- You are interested in the people around you and don't pay much heed to material goods. You are helpful and considerate to your family, and in return they love you dearly.

Junaid Tahir

www.keralites.net

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[www.keralites.net] Insurance is for protection, not wealth creation

Insurance is for protection, not wealth creation

Life insurance has been invented by the society as a financial tool for creating a corpus to be utilised when financial support or protection is needed the most in someone's life. Insurance, therefore, is very different from savings, banking, and investment.

Any insurance scheme or policy is based on the principle of mutual pooling of small amounts of money by large numbers of people; using the amount for those few unfortunate members of the society who suffer financial loss or loss of financial support because of some tragic event. Insurance helps in recovery from an unfortunate situation; takes away stress from the social fabric; and helps the affected person in bringing life back to normalcy at least financially.

With the very first installment of premium paid to a life insurance company, the policy holder makes sure that the family acquires an umbrella of financial protection which is guaranteed to the family in the event of the unfortunate demise of the policy holder. It is, therefore, rightly said that there is no substitute for life insurance.

The wealth that it creates with very small amounts paid as premiums guarantees a decent life to the dependents; higher education to children; and even marriage or other important functions in a manner that would fulfill anybody's dream.

In fact, those who seek investment-oriented benefits from life insurance end up with inadequate sum assured when it is needed the most and they lose the basic benefits of insurance planning. Those who look for investment through life insurance may consider it at a later stage of life when sufficient savings have already been made over a period of time; but those who are in the early years of their earning life, need to focus on the insurance component of life insurance products.

There are so many other financial tools available which can guarantee medium-to-high returns over a period of time, but they cannot guarantee payment of a huge lump sum amount matching with the requirements of the dependents on payment of a few installments of premium which sometime may not be even 5% to 10% of the benefit received.

About a decade back, when the unit-linked insurance plans (Ulips) were introduced to the market in a big way by new life insurance companies, there was a sudden inclination on the part of the prospective policy holders to buy Ulips with a view to maximize return on the premium amount paid by them.

Over a period of time, Ulips became the favourite of the market and gradually the investment return started influencing the product design and development, marginalising the insurance component. Some products provided very negligible life insurance cover but focused on market linked returns. As a result, there has been substantial downsizing of the sum assured vis-a-vis total number of policies sold and it has finally resulted in massive erosion of life insurance protection, which was the very purpose of selling or buying of life insurance.

However, of late, there has been realisation on the part of the insurance regulator as well as the insurance companies for firmly dealing with this aberration and bringing back focus on the insurance component of the life insurance policy. Insurance companies, existing and prospective customers are slowly moving towards a more balanced view of the purpose and benefits of life insurance.

A person looking to buy life insurance should therefore, first look for adequacy of risk cover in the product and then choose a particular plan according to other features available with different products of different companies. Life insurance is for ensuring peace of mind and not for pieces of dividends and interests.

www.keralites.net

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Re: [www.keralites.net] Birthday of two of the greatest Indians today 2nd October Mahat

All of our former leaders are great, mahatma ghandi, ,jawaharlal nehru,Sardar W patel,Lal Bahadur Ssastri. The phasist forces in our country who killed mahatma gandi, they need to divide them and citicise them who is better. All are secular and do their best to forward

united India. We are proud all of our former leaders.

Best regards

From: "mailjoses@yahoo.com" <mailjoses@yahoo.com>
To: Keralites@yahoogroups.com
Cc: John Thomas <joal0791@yahoo.com>
Sent: Sunday, October 6, 2013 7:44 AM
Subject: Re: [www.keralites.net] Birthday of two of the greatest Indians today 2nd October Mahat

Ofcourse we should demolish Indian railway!

We still keep it as a 'proud' contribution from British, and 'fly' at 80 kms/hour!
And China, started only after 1949, use their railway system to 'walk' at 350 kms/hour, and covers almost whole nation and have their own perfect system!
We always bend ourselves to Westners and live dreaming!
And Sonia, the last example.

On 05/10/2013 15:40, John Thomas wrote:

The below opinion about Mahatma Gandhi is based on sangh parivar ideology. Till his murder, they were against him and after they killed him they started propaganda against him. It is not due to some love for Lal Bahadur Shastry they praise him, but to belittle some other people who are their targets; Gandhiji and Nehru. In fact all them were great in their own ways. One should better accept it. What you think bad about English based British education as the same system is still running in the country and you are one of its product? Britishers were bad doesn't mean everything they brought in to this country were equally bad. Otherwise you have to demolish Indian railway and many other things. You have to say NO to IT revelation of India. Sorry I strongly disagree with below comment.

From: Vinayachandran S mailto:vinchand59@gmail.com
To: Keralites@yahoogroups.com
Sent: Friday, October 4, 2013 7:19 AM
Subject: Re: [http://www.keralites.net/] Birthday of two of the greatest Indians today 2nd October Mahat

Definitely Lal Bahadur Shastry is inches above Gandhiji in Greatness.I Independent India, with the wrongest person with perceivable bias towards british investments in faith with greed for international publicity and popularity, it was Shastriji who brought about the most required self confidence and esteem through his rejuvenating policy of the Indian Jawan and Kisan. He, not being a british trained always gor the lesser amount of respect.Gandhiji , who, along with lots of good convictions was also crazy of popularity. f he had not dowsed the risinf Indian spirit after the Chowro Chowra and Jalian wala cruelties for publicity and accliam for his Ahimsa theory, Indian spirit would have driven away the aliens by the thirties ie before the conspiracy of th British, Jinnah and of course the equalyy power crazy rich barrister's son.India wuld have been different ; may be not a corrupt and hence communal papmering nation , like now.Lal Bahadur definitely was greater

On Thu, Oct 3, 2013 at 10:08 AM, Narayanan Ramachandran <nnr_rama@yahoo.com> wrote:

Hi, Hello, Gandhiji was great no doubt. How great or small was Lal Bahadur. I think he has been given undue credit which is Indians' habit. What did he do to achieve greatness. Resigned after Ariyallor train accident. That was meant for gallery. Besides he was barely for a small period to achieve anything great that has been credited to him. There are many who outweighed him in greatness. Think of them also sometimes. Anyone can give message to the Nation and People which is written by their Secretary/Advisor etc.that hardly means the messages are given or coined by them. Rgds RAM

From: Ravi Narasimhan <ravi.narasimhan.in@gmail.com>
To: Keralites@yahoogroups.com
Sent: Wednesday, October 2, 2013 9:00 AM
Subject: [http://www.keralites.net/] Birthday of two of the greatest Indians today 2nd October Mahat

Birthday of two of the greatest Indians today
2nd October
Mahatma Gandhi and Shri Lal Bahadur Shastri

Ravi

www.keralites.net

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