Thursday, 1 December 2016

[www.keralites.net] : 02-12-2016 TODAY’S MESSAGE FROM TRICHY PRASANNAN [2 Attachments]

 





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02-12-2016  TODAY'S MESSAGE FROM TRICHY PRASANNAN
 
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Subject: The Failure List  -Attached
 
 
  In most countries in the world, Communism or its offshoot Socialism, has failed or is living a miserable existence. In India, it simply does not exist except for Kerala & Tripura. After an abysmal record of growth for almost three decades rule of CPM in West Bengal, it was shown the door by the people, perhaps never to make a come back. However, with immense muscle & throat power, most left wingers start screaming #Ambani, Tata, Birla or Adani etc., the moment people talk about #Black Money. They talk about the mansions, the luxury cars, businesses, yachts and opulent lifestyles etc. of these people creating a wrong impression that they live that kind of life with Black Money. But the fact is that these people live an opulent lifestyle with their legally earned wealth which all of us can do.
  If the workers have invested their sweat and blood, the businessman has invested his money, brain, heart, sleep and health into it. All this often has been dismantled and decimated by followers of Yechuri and Karat or for that matter, any union leader, most of whom live on the crumbs thrown by these very industrialists. While Capitalism might sound like a bad ideology, Socialism and Communism have fostered mediocrity and nothing else. It has a dismal record anywhere in the world. India could have been a much better place but for the stringent adherence to Socialism for most parts, till globalisation was thrust on us by a helpless PV Narsimha Rao in 1992 when country was almost at the brink of bankrupsy. Our economic policies have definitely been rightwards since then, though Congress was a left of the centre party and BJP, even more left in economic policies.
  So what Modi is doing? #Demonetisation is not aimed at Birla, Tata, Ambani or Adani etc. Moreover, please also note that they have not earned their wealth in last two years since Modi came. They have been doing it for decades. And that wealth cannot be termed Black Money or unaccounted or from unknown sources of income. They don't really have the black money. The black money is in the system created and generated by us, the people. It is when we buy a bulb costing 50 rupees, for 45 rupees without bill, we are creating black money. When we pay bribe to the government servant to get a file moving, we are creating black money. When traffic police catches us for petty traffic offence, we pay 200 rupees to escape a 500 rupees fine. We are creating black economy. Doctors, Advocates, Politicians, Police, Businessmen, Priests and practically, everyone can own black money. The Cooperative Banks, chit funds, real estate Lords and the underworld nurture the black economy.
 It is when you want to run entire politics to run the country by befooling the public, trying to magnify the problems like standing in the que and other some real, some perceived hardships, that you must educate those for whose benefit such gigantic first step has been taken. Try and understand that this was the first for everyone. Mistakes & misjudgements are bound to be there. Still hats off to the maturity and level-headedness of our so called common people who knows and understand that this great leap is for their betterment to create a better India in which their children and grandchildren will live. No wonder, inspite of the difficulties and inconveniences, no demonstration, no rally etc. has been there against this well-orchestrated gigantic move. They called 'Bharat Bandh' but when these leaders realized that they had no followers, most of them withdrew their own call since they knew very well that enlightened and mature Janata would never support such an unpatriotic and anti-national move. People have shown ample patience and forbearance inspite of all out effort by politicians and badly affected people to mislead them.
 Edited, Modified and Forwarded by Capt. Ravi Mahajan Retd.

 
 
 
 


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[www.keralites.net] Make Yourself Free!

 

Make Yourself Free!

 

1. Reject limitations placed on you by others.

You can be, do, and have anything you desire. Ignore anyone who tells you otherwise, be they a spouse, a parent, a friend, a politician, or a guru. Have you ever had a well-intentioned spiritual teacher? Some religious scriptures can keep you in bondage, if you see them as definitive truths.

 

2. Question yourself.
Accept the possibility that you might be wrong about verything. An open mind makes spiritual growth. Do not think you have all the answers.

 

3. Be authentic.
How many masks do you wear? When you take on a false mask in order to please others there's no space for authentic happiness. Take your masks off and see what happens. When you're honest with yourself and others you commit a life of authenticity, opportunities materialize all around you. Doors open all around you. You're then free to follow your passions without regard to other people's expectations, judgments, and conclusions. And in time you become an example, a role model.

 

4. Give up expectations.
Give up expectations, conclusions, and judgments about the world and open yourself to the possibilities you've been overlooking. xpand your vision with an open mind and an open heart, avoiding the energy of no. When you meticulously identify your desires you activate the energy that allows you to manifest. And redefine transformation as an ongoing and ever-expanding life-long process.

 

5. Understand how mind works.
Your mind constantly scans the environment. Sometimes it even invents conflicts where none exist. The mind loves to take conflict – it's why our favorite books and movies are all focused on struggle and strife. simply recognize that your mind likes to solve problems, and offer it different puzzles to play. the mind only sees what it expects to see. It tends to filter out any evidence that doesn't fit its expectations danger. Expand your awareness and you'll begin to see possibilities and opportunities you'd never before dreamed possible.

 

The more you can "let things go" the closer you are to true freedom.

 

 


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[www.keralites.net] The Dispute Dimension!

 

The Dispute Dimension!
 

These days I have been reading a book—The Fifth Dimension, by John Hick. According to him after the usual four dimensions, the next dimension is religion. The reason he advanced very briefly is that excepting in the failed Communist countries, there is/was no community without some God and God based Philosophy. Then he brilliantly explained in the book about every religion. But the four dimensions of Einstein relate to the entire Universe, not like religion which is particular to one organism in an insignificant planet, earth. We do not know whether there are humans like organisms anywhere in the Universe and we cannot know whether those humans too, the near biological duplicates still have religions. After all Chimpanzees' whose DNA is more than 99% same as mine, do not have a religion, just like myself.

The candidate more suitable for dimension-hood than religion is the war dimension. After all, whatever be the torn fig leaf of justification for science, it is in fact war with nature. Every human being is an expert in deceiving himself or herself. In the name of human curiosity, science is justified. But now we see every country busy developing more and more destructive weapons of war, indulging in the basically foolish concepts relating to balance of power etc.In economics the name for the war dimension is competition. Even in schools and colleges, we can see the war dimension in the shape of fights for ranks and grades. The class first in school is the early winner in war. In human societies no single society remains stable forever. There will be some revolt and fight against the prevailing social mores, and that society disintegrates.
But again this war dimension or the planned lunacy of destroying the adversary-be it the fellow human beings or continuously nature itself as the adversary, appear to be particular mainly to the human organism. Usually every other organism kills only because of the need for food. But the human organism kills because of its basic war dimension.

Where does one find the most appealing smile? I feel that such a smile can be seen among our infants (we have of course monsters who start schools even at the pre KG for two year olds), and among people in the most primitive societies who live as part of nature. Unfortunately even in those primitive societies, there is animal sacrifice, cannibalism, indicating the existence of the war dimension among those tribes also.
The war dimension essentially is the dimension that destabilizes.

Sciences too shall have missions based on love and altruism. They must be based on Ecology and basic respect for the ecosphere. What we call seeing is mainly unseeing. The eyes collect the photons of the visible spectrum (just 00.0037% of the total spectrum), send them to the visual cortex which models and can only model the three dimensional shapes by blinding us with the remaining extension in the invisible spectrum. On the basis of this essential unseeing, we have developed languages and the connecting conceptual bases for understanding. As a result truth is always hiding in the invisible spectrum. The net result is restlessness leading to the war dimension.

If this war dimension is to be eliminated or at least reduced from its impact which is now drifting earth into a gigantic nuclear holocaust, then ecology must be given primacy in education. Life sciences shall be based on studying the life forms as they are living and not by cutting them open to study their mechanical or engineering structures. Today we inject horrible diseases in lab animals, torture them deliberately to produce some excression useful for making some beauty cream, in torturing and killing them in hundreds of ways, all in the name of human welfare. We have jaded ourselves into accepting this terrible cruelty. I feel that Ecology must be based as the Paradigmatic base of every subject, and ecology means the study of life forms while they are living in nature and not the study based on cutting animals to study their mechanical structures.

 

 


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[www.keralites.net] Financial planning!

 

 

24 Fundamentals 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
3. 30% of your income must be SAVED for your future LIVING.
4. 10% of your income must be spared for entertainments, vacations………..
5. 6 moth monthly income must be available for emergency fund { LIQUID FUND },    it can be CASH or cashable investments
6. Must save one year Bank RD
7. Must save 5 years postal RD
8. Must have 15 years PPF [ after you can extend for number of 5 years duration ]
9. MF and Shares must be invested with surplus money only with regular watch. [ must redeem the profits out after minimum 40 to 50% ]
10. Home loan must be registered and apply on both husband and wife name. { Both can get benefits on Home loan Tax benefits }
11. FD and POMIS is also very good investments for short term
12. Buying second house for investment is not advisable [ Survey reports - it will fetch you only around 3% return]
13. After age 45 years not supposed to enter into any BIG LIABILITIES [ Higher education of children and wedding of children will happen around 45 to 50 only ]
14. Joint account is compulsory @ Bank savings account.
15. Property must be registered on both Husband and wife name. [ to avoid complication of heirship in case of unfortunate demise of husband )
16. Regular check on Nominations at all financial instruments
17. Only in insurance policy, Claims payable to Nominee. In  most of financial instruments  nominee cannot claim absolute ownership.
18. Don't take any financial investment decisions by EMOTIONALLY
19.MEDICLAIM is must [ in spite of Group mediclaim coverage given at office [ After retirement there is no mediclaim coverage. After 50 years its very tough to enter into mediclaim ]
20.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 ]
21.Must know all tax implications. You cannot avoid paying tax. But you can minimize by way of investments.
22.All financial documents must be kept safely and the next of kin should be able to  locate them all in one place /get the details  recorded in a note pad or diary .
23.. Financial investments must be followed through personal financial adviser.
24.Review your financial port folio by every year.

 

 


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[www.keralites.net] Black Money!

 

Black Money!

 

A thought provoking article.  Don't know who is the author, buthas applied his mind.

A long but interesting forward, as received:

Black Money  v/s Ambani, Adani Mallya !

Most left wingers start screaming #Ambani and #Adani the moment people talk about #BlackMoney. They talk about the mansions, the luxury cars, yachts and opulent lifestyles. But the fact is these people know nothing about what is black money in actual terms.

Ambani, Adani or Mallya might have earned their big money through unethical means by exploiting the loopholes in our legal systems. They might have borrowed from banks without returning the money, manipulated the stocks or simply stolen from public resources. But these are crimes that come under different laws and these people know how to get out of the legal tangle. But all these acts do not make their wealth black money. We can call it ill-begotten wealth but it is not really black money.

Mallya is a chronic defaulter. Adani is a smart and industrious man with great knack to get things done. Ambani is a ruthless businessman with a solitary aim of becoming the richest man in the world. Now, if we look at his aim, hiding his cash will not make him the richest man in the world. It is showing his wealth, that will make him the richest. We Indians revere Bill Gates, Warren Buffet and such tycoons but somehow carry enormous hatred for Ambani, Adani and such people. That's truly funny because more people have benefited and are earning a living thanks to people like Ambani and Adani than people like Karat and Yechuri.

It has been a fashion in this country to portray the rich as the villain, thanks to the myopic policies of Nehruvian legacy. I don't deny the fact that the rich might have earned their Crores due to the sweat and hard work of the workers. The rich might have exploited the poor in many cases too. But in a modern world, we need to look at the other side too. The rich had to often mortgage their home and properties to start a company. They had to bribe through their noses to get the license, permit, electricity connection and such basic things. In the process of becoming an entrepreneur, the risk taker often becomes hardened and might come across as insensitive.

If the workers have invested their sweat and blood, the businessman has invested his money, brain, heart, sleep and health into it. All this often has been dismantled and decimated by followers of Yechuri and Karat or for that matter, any union leader. While capitalism might sound like a bad ideology, Socialism and Communism have fostered mediocrity and nothing else. India could have been a much better place but for the stringent adherence to Socialism for most parts till globalisation was thurst on us by a helpless PVN. Our economic policies have definitely been rightwards since then, though Congress was a left of centre party and BJP, even more left in economic policies.

So what Modi is doing ? #Demonetisation is not aimed at Ambani or Adani. They don't really have the black money. The black money is in the system. When we buy a bulb costing 50 rupees for 45 rupees without bill, we are creating black money. When we pay that 1 thousand to the government servant to get a file moving, we are creating black money. When a traffic police catches us for petty case, we pay 200 rupees to escape a 500 rupees fine. We are creating black economy. Doctors, Advocates, Politicians, Police, Businessmen, Priests and practically, everyone can own black money. If we consider less than 1% of our population indulges in buying without a bill at a given moment, we have over 50 Crore rupees getting converted into black money in just 1 minute. The Cooperative Banks, chit funds, real estate Lords and the underworld nurture the black economy.

With enormous amount of fake currency pumped into the system by Pakistan based Hawala networks, the economy stagnated. Real estate and markets thrive on artificially created booms. The government brought up with Mai Baap policies is bankrupt because all the money that should have gone to the government is in the hands of a few people, who enjoy stockpiling notes. They don't spend it. They just achieve orgasm looking at the piles. It is this uselessly piled cash and investments in Benami properties that is the flesh, blood and backbone of black economy. By demonetising in a shock move, Modi has broken the backbone of this black economy, that is the underworld. It definitely is not the final solution but the right step in the right direction. More raids, stronger action against Benami land mafia and sustained efforts to keep fake currency networks out are needed. But I reiterate, the first and most important step has been taken.

If anyone of your motivated or ill-informed or brain washed friends continue to rant about Ambani and Adani, there is a possibility they might have lost out on some of the piled cash or have been totally fooled by people like Mamta Didi, Udhav Thackeray, Mayavati or Arvind Kejriwal. Forgive them for they know not, what they are doing.

India is on the right track and firmly behind the right man. Yes, he is Right and thankfully not left.

 

 


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[www.keralites.net] New Job!

 

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