Important facts about our Currency notes.

Cash continues to be the predominant payment means of transactions in India. A compositional shift is underway in the form of a gradual replacement of lower denomination banknotes by higher denomination banknotes, particularly Rs.100 and Rs.500.
Instruments such as cheques, credit and debit cards, electronic funds transfer are at present supplementing the use of banknotes and as the use of these gains popularity, the growth rate of the demand for currency is expected to slow down.

Steps taken to increase the supply of banknotes and coins
Several steps have been taken to augment the supply of banknotes and coins. Some of these are:
The existing banknote printing presses and the mints owned by the Government have been modernised. Bharatiya Reserve Bank Note Mudran (P) Ltd., was set up as a fully owned subsidiary of the Reserve Bank of India on February 03, 1995.
Under its aegis two banknote printing presses with the state-of-the-art technology, one each at Mysore (Karnataka) and Salboni (West Bengal), commenced production from June 01, 1996 and December 11, 1996, respectively.
To bridge the demand-supply gap, the Government had, as a one-time measure, imported banknotes, in the year 1997-98.
Government of India had also imported rupee coins during 2000-2003 to supplement the supply of coins from the four mints. The overall position of both banknote and coin supply is comfortable now. The Regional Offices of RBI launched aggressive campaigns for providing exchange facility to the members of public.

Why are the Re.1, Rs.2, Rs.5 banknotes not being printed?
Volume-wise, the share of such small denomination banknotes in the total banknotes in circulation was very high but in terms of value they constituted a very small percentage. The average life of these banknotes was found to be less than a year. The cost of printing and servicing these banknotes was, thus, not commensurate with their life, and printing of these banknotes was, therefore, discontinued. These denominations were coinised. However, Rs.5 was re-introduced in 2001 to supplement the gap between the demand and supply of coins in this denomination. The printing of Rs.5 banknotes has been discontinued from the year 2005.

What are soiled, mutilated and imperfect banknotes? Can they be exchanged for value?
(i) "soiled note:" means a note which, has become dirty due to usage and also includes a two piece note pasted together wherein both the pieces presented belong to the same note, and form the entire note.
(ii) Mutilated banknote is a banknote, of which a portion is missing or which is composed of more than two pieces.
(iii) Imperfect banknote means any banknote, which is wholly or partially, obliterated, shrunk, washed, altered or indecipherable but does not include a mutilated banknote.
Such banknotes can be exchanged for value.
Where are soiled/mutilated banknotes accepted for exchange?
All banks are authorized to accept soiled banknotes for full value. They are expected to extend the facility of exchange of soiled notes even to non-customers. All currency chest branches of commercial banks are authorised to adjudicate mutilated banknotes and pay value for these, in terms of the Reserve Bank of India (Note Refund) Rules, 2009

How much value would one get in exchange of soiled banknotes?
Soiled banknotes are exchanged for full value.

How much value would one get in exchange of mutilated banknotes?
A mutilated banknote can be exchanged for full value if,
(i) For denominations of Re. 1, Rs. 2, Rs. 5, Rs. 10 and Rs. 20, the area of the single largest undivided piece of the note presented is more than 50 percent of the area of respective denomination, rounded off to the next complete square centimetre.
(ii) For denominations of Rs. 50, Rs.100, Rs. 500 and Rs. 1000, the area of the single largest undivided piece of the note presented is more than 65 percent of the area of respective denomination, rounded off to the next complete square centimetre.
Banknotes in denominations of Re. 1, Rs. 2, Rs. 5, Rs. 10 and Rs. 20, cannot be exchanged for half value.
A mutilated banknote in denominations of Rs.50, Rs.100, Rs.500 or Rs.1000, can be exchanged for half value if, the undivided area of the single largest piece of the note presented is equal to or more than 40 percent and less than or equal to 65 percent of the area of respective denomination, rounded off to the next complete square centimetre.

How much value would one get in exchange of imperfect banknotes?
The value of an imperfect note may be paid for full value/ half value under rules as specified for mutilated notes if, (i) the matter, which is printed on the note has not become totally illegible, and (ii) it can be satisfied that it is a genuine note.

What types of banknotes are not eligible for payment under Note Refund Rules?
The following banknotes are not payable under the Reserve Bank of India (Note Refund) Rules 2009.

A banknote for which:
l The area of single largest undivided piece of note presented is less than or equal to 50% of area of the note for denominations of Re. 1, Rs. 2, Rs. 5, Rs. 10 and Rs. 20.
l The area of the single largest undivided piece of the note is less than 40 percent for denominations of Rs.50, Rs. 100, Rs. 500 and Rs. 1000.
A banknote which:
l Cannot be identified with certainty as a genuine note for which the Bank is liable under the Act,
l Has been made imperfect or mutilated, thereby causing the note to appear to be of a higher denomination, or has been deliberately cut, torn, defaced, altered or dealt with in any other manner, not necessarily by the claimants, enabling the use of the same for making of a false claim under these rules or otherwise to defraud the Bank or the
public,
l Carries any extrinsic words or visible representations intended to convey or capable of conveying any message of a political or religious character or furthering the interest of any person or entity,
l Has been imported into India by the claimant from any place outside India in contravention of the provision of any law.
Non-payable banknotes are retained by the receiving banks and sent to the RBI where they are destroyed.
Source: RBI

Courtesy : DNA

A gentleman’s guide to restaurant etiquette

Once you know the rules of fine dining, there is no awkwardness in enjoying the meal and company. Perhaps there is a lesson in here for Saif 

1) Choose a restaurant befitting your mood and that of your guests. 

2) Book a table in advance. Do not hesitate to ask if you can expect a quiet meal. 

3) Dress appropriately and arrive on time. 

4) Always stand up when a lady joins you at the table, or when she leaves it. 

5) At no point should you engage in loud arguments with the waiter or manager. If unhappy with anything, have an unobtrusive word to deal with it. 

6) Do not wave cutlery around to emphasize a point or use a toothpick at the table. 

7) Do not snap your fingers to call the waiter. 

8) Do not be so loud that you disturb conversations at adjoining tables. 

9) If disturbed by fellow diners or children, quietly complain to the manager, who should ideally deal with the situation effectively. 

10) Be attentive to people at your table, listen to them and let them order their meal before you order yours. 

11) Once seated, unfold the napkin and use it occasionally to wipe the tips of your fingers or mouth. At the end of the meal, leave your napkin folded on the left side of the plate. 

12) Know your cutlery and glasses. 

13) Bring food to your mouth, not your mouth to the food. 

14) Loud slurping or munching sounds are a definite no. 

15) Never stretch across for a dish; request for it to be passed to you. 

16) You can rest your fork and knife on either side of the plate in between your meal. After the meal, place them side by side in the centre of the plate in the 4:20 position, fork tines up. 

17) Do not talk with your mouth full or swivel your drink glass around. 

18) Do not get drunk! A gentleman doesn’t go beyond one drink at a restaurant. 

19) Never use your cell phone at the table. 

20) Deal with any discrepancy in the bill quietly but effectively. 

21) Do not appear to ponder too long over the bill or tip. 

22) Resist using the fingerbowl like a washbasin. Dip your fingertips and bring them gently to your mouth. 

23) Practise dining etiquette to enhance your enjoyment of the food and company!

 -Vinita Dawra Nangia 

Courtesy : TOI

 

20 Common Grammar Mistakes That (Almost) Everyone Makes

I’ve edited a monthly magazine for more than six years, and it’s a job that’s come with more frustration than reward. If there’s one thing I am grateful for — and it sure isn’t the pay — it’s that my work has allowed endless time to hone my craft to Louis Skolnick levels of grammar geekery.

As someone who slings red ink for a living, let me tell you: grammar is an ultra-micro component in the larger picture; it lies somewhere in the final steps of the editing trail; and as such it’s an overrated quasi-irrelevancy in the creative process, perpetuated into importance primarily by bitter nerds who accumulate tweed jackets and crippling inferiority complexes. But experience has also taught me that readers, for better or worse, will approach your work with a jaundiced eye and an itch to judge. While your grammar shouldn’t be a reflection of your creative powers or writing abilities, let’s face it — it usually is.

Below are 20 common grammar mistakes I see routinely, not only in editorial queries and submissions, but in print: in HR manuals, blogs, magazines, newspapers, trade journals, and even best selling novels. If it makes you feel any better, I’ve made each of these mistakes a hundred times, and I know some of the best authors in history have lived to see these very toadstools appear in print. Let's hope you can learn from some of their more famous mistakes.

Who and Whom

This one opens a big can of worms. “Who” is a subjective — or nominative — pronoun, along with "he," "she," "it," "we," and "they." It’s used when the pronoun acts as the subject of a clause. “Whom” is an objective pronoun, along with "him," "her," "it", "us," and "them." It’s used when the pronoun acts as the object of a clause. Using “who” or “whom” depends on whether you’re referring to the subject or object of a sentence. When in doubt, substitute “who” with the subjective pronouns “he” or “she,” e.g., Who loves you? cf., He loves me. Similarly, you can also substitute “whom” with the objective pronouns “him” or “her.” e.g., I consulted an attorney whom I met in New York. cf., I consulted him.

Which and That

This is one of the most common mistakes out there, and understandably so. “That” is a restrictive pronoun. It’s vital to the noun to which it’s referring.  e.g., I don’t trust fruits and vegetables that aren’t organic. Here, I’m referring to all non-organic fruits or vegetables. In other words, I only trust fruits and vegetables that are organic. “Which” introduces a relative clause. It allows qualifiers that may not be essential. e.g., I recommend you eat only organic fruits and vegetables, which are available in area grocery stores. In this case, you don’t have to go to a specific grocery store to obtain organic fruits and vegetables. “Which” qualifies, “that” restricts. “Which” is more ambiguous however, and by virtue of its meaning is flexible enough to be used in many restrictive clauses. e.g., The house, which is burning, is mine. e.g., The house that is burning is mine.

Lay and Lie

This is the crown jewel of all grammatical errors. “Lay” is a transitive verb. It requires a direct subject and one or more objects. Its present tense is “lay” (e.g., I lay the pencil on the table) and its past tense is “laid” (e.g., Yesterday I laid the pencil on the table). “Lie” is an intransitive verb. It needs no object. Its present tense is “lie” (e.g., The Andes mountains lie between Chile and Argentina) and its past tense is “lay” (e.g., The man lay waiting for an ambulance). The most common mistake occurs when the writer uses the past tense of the transitive “lay” (e.g., I laid on the bed) when he/she actually means the intransitive past tense of “lie" (e.g., I lay on the bed).

Moot

Contrary to common misuse, “moot” doesn’t imply something is superfluous. It means a subject is disputable or open to discussion. e.g., The idea that commercial zoning should be allowed in the residential neighborhood was a moot point for the council.

Continual and Continuous

They’re similar, but there’s a difference. “Continual” means something that's always occurring, with obvious lapses in time. “Continuous” means something continues without any stops or gaps in between. e.g., The continual music next door made it the worst night of studying ever. e.g., Her continuous talking prevented him from concentrating.

Envy and Jealousy

The word “envy” implies a longing for someone else’s good fortunes. “Jealousy” is far more nefarious. It’s a fear of rivalry, often present in sexual situations. “Envy” is when you covet your friend’s good looks. “Jealousy” is what happens when your significant other swoons over your good-looking friend.

Nor

“Nor” expresses a negative condition. It literally means "and not." You’re obligated to use the “nor” form if your sentence expresses a negative and follows it with another negative condition. “Neither the men nor the women were drunk” is a correct sentence because “nor” expresses that the women held the same negative condition as the men. The old rule is that “nor” typically follows “neither,” and “or” follows “either.” However, if neither “either” nor “neither” is used in a sentence, you should use “nor” to express a second negative, as long as the second negative is a verb. If the second negative is a noun, adjective, or adverb, you would use “or,” because the initial negative transfers to all conditions. e.g., He won’t eat broccoli or asparagus. The negative condition expressing the first noun (broccoli) is also used for the second (asparagus).

May and Might

“May” implies a possibility. “Might” implies far more uncertainty. “You may get drunk if you have two shots in ten minutes” implies a real possibility of drunkenness. “You might get a ticket if you operate a tug boat while drunk” implies a possibility that is far more remote. Someone who says “I may have more wine” could mean he/she doesn't want more wine right now, or that he/she “might” not want any at all. Given the speaker’s indecision on the matter, “might” would be correct.

Whether and If 

Many writers seem to assume that “whether” is interchangeable with “if." It isn’t. “Whether” expresses a condition where there are two or more alternatives. “If” expresses a condition where there are no alternatives. e.g., I don’t know whether I’ll get drunk tonight. e.g., I can get drunk tonight if I have money for booze.

Fewer and Less

“Less” is reserved for hypothetical quantities. “Few” and “fewer” are for things you can quantify. e.g., The firm has fewer than ten employees. e.g., The firm is less successful now that we have only ten employees.

Farther and Further

The word “farther” implies a measurable distance. “Further” should be reserved for abstract lengths you can't always measure. e.g., I threw the ball ten feet farther than Bill. e.g., The financial crisis caused further implications.

Since and Because

“Since” refers to time. “Because” refers to causation. e.g., Since I quit drinking I’ve married and had two children. e.g., Because I quit drinking I no longer wake up in my own vomit.

Disinterested and Uninterested

Contrary to popular usage, these words aren’t synonymous. A “disinterested” person is someone who’s impartial. For example, a hedge fund manager might take interest in a headline regarding the performance of a popular stock, even if he's never invested in it. He’s “disinterested,” i.e., he doesn’t seek to gain financially from the transaction he’s witnessed. Judges and referees are supposed to be "disinterested." If the sentence you’re using implies someone who couldn't care less, chances are you’ll want to use “uninterested.”

Anxious

Unless you’re frightened of them, you shouldn’t say you’re “anxious to see your friends.” You’re actually “eager,” or "excited." To be “anxious” implies a looming fear, dread or anxiety. It doesn’t mean you’re looking forward to something.

Different Than and Different From

This is a tough one. Words like “rather” and “faster” are comparative adjectives, and are used to show comparison with the preposition “than,” (e.g., greater than, less than, faster than, rather than). The adjective “different” is used to draw distinction. So, when “different” is followed by a  preposition, it should be “from,” similar to “separate from,” “distinct from,” or “away from.” e.g., My living situation in New York was different from home. There are rare cases where “different than” is appropriate, if “than” operates as a conjunction. e.g., Development is different in New York than in Los Angeles. When in doubt, use “different from.”

Bring and Take

In order to employ proper usage of “bring” or “take,” the writer must know whether the object is being moved toward or away from the subject. If it is toward, use “bring.” If it is away, use “take.” Your spouse may tell you to “take your clothes to the cleaners.” The owner of the dry cleaners would say “bring your clothes to the cleaners.”

Impactful

It isn't a word. "Impact" can be used as a noun (e.g., The impact of the crash was severe) or a transitive verb (e.g., The crash impacted my ability to walk or hold a job). "Impactful" is a made-up buzzword, colligated by the modern marketing industry in their endless attempts to decode the innumerable nuances of human behavior into a string of mindless metrics. Seriously, stop saying this.

Affect and Effect

Here’s a trick to help you remember: “Affect” is almost always a verb (e.g., Facebook affects people’s attention spans), and “effect” is almost always a noun (e.g., Facebook's effects can also be positive). “Affect” means to influence or produce an impression — to cause hence, an effect. “Effect” is the thing produced by the affecting agent; it describes the result or outcome. There are some exceptions. “Effect” may be used as a transitive verb, which means to bring about or make happen. e.g., My new computer effected a much-needed transition from magazines to Web porn. There are similarly rare examples where “affect” can be a noun. e.g., His lack of affect made him seem like a shallow person.

Irony and Coincidence

Too many people claim something is the former when they actually mean the latter. For example, it’s not “ironic” that “Barbara moved from California to New York, where she ended up meeting and falling in love with a fellow Californian.” The fact that they’re both from California is a "coincidence." "Irony" is the incongruity in a series of events between the expected results and the actual results. "Coincidence" is a series of events that appear planned when they’re actually accidental. So, it would be "ironic" if “Barbara moved from California to New York to escape California men, but the first man she ended up meeting and falling in love with was a fellow Californian.”

Nauseous

Undoubtedly the most common mistake I encounter. Contrary to almost ubiquitous misuse, to be “nauseous” doesn’t mean you’ve been sickened: it actually means you possess the ability to produce nausea in others. e.g., That week-old hot dog is nauseous. When you find yourself disgusted or made ill by a nauseating agent, you are actually “nauseated.” e.g., I was nauseated after falling into that dumpster behind the Planned Parenthood. Stop embarrassing yourself.

Using you mobile battery right way

There was a time when devices came with replaceable batteries. Now that we have chargeable ones, caring for your battery is critical so it lasts long. A typical battery is rated for a 1000 life cycles, -or a thousand times of charging and discharging. So that makes it three years of usage if you were to charge it every day. But if you want to make it work better, follow these tips.

1 Always let the battery drain out. Try not to plug in the charger in the middle of a discharge (use).

2 Let the battery be fully charged before use. Don't leave a battery half-charged if you have no urgent need to use the device.
 

3 Always use genuine chargers shipped with the original device or a charger that the original manufacturer recommends. Third-party chargers can provide a higher or lower current and voltage, possibly exposing your device to damage. It could also reduce the battery life.
 

4 Keep the battery cool. Don't let your gadget lie on your car's dashboard for a long time, or leave it to bake in the car while it is parked in the sun.
 

5 Whenever you are charging your gadget, ensure that it is lying on a flat surface in a ventilated area, and not inside a cover or a pouch.
 

6 If you plan not to use your gadget for a long time and are storing it away, ensure the battery is charged at least to the 50% level. Otherwise, the battery may go into deep discharge and may stop working.

Farmer's Donkey

One day a farmer's donkey fell down into a well. The animal cried piteously for hours as the farmer tried to figure out what to do. Finally, he decided the animal was old, and the well needed to be covered up anyway; it just wasn't worth it to retrieve the donkey.

He invited all his neighbors to come over and help him. They all grabbed a shovel and began to shovel dirt into the well. At first, the donkey realized what was happening and cried horribly. Then, to everyone's amazement he quieted down.

A few shovel loads later, the farmer finally looked down the well. He was astonished at what he saw. With each shovel of dirt that hit his back, the donkey was doing something amazing. He would shake it off and take a step up.

As the farmer's neighbors continued to shovel dirt on top of the animal, he would shake it off and take a step up. Pretty soon, everyone was amazed as the donkey stepped up over the edge of the well and happily trotted off!

MORAL :
Life is going to shovel dirt on you, all kinds of dirt. The trick to getting out of the well is to shake it off and take a step up. Each of our troubles is a steppingstone. We can get out of the deepest wells just by not stopping, never giving up! Shake it off and take a step up.

Remember the five simple rules to be happy:

1. Free your heart from hatred - Forgive.

2. Free your mind from worries - Most never happens.

3. Live simply and appreciate what you have.

4. Give more.

5. Expect less from people but more from God.

Why We Are Agitated By Belief

Talk: J Krishnamurti

    Your religion, your belief in God, is an escape from actuality, and therefore it is no religion at all. The rich man who accumulates money through cruelty, dishonesty and cunning exploitation believes in God; and you also believe in God, you also are cunning, cruel, suspicious and envious... Because you collect sacred books and symbols of God, does that indicate that you are a religious person?
    Religion is not escape from the fact; religion is the understanding of the fact of what you are in your everyday relationships; religion is the manner of your speech, the way you talk, the way you address your servants, the way you treat your family and neighbours. As long as you do not understand your relationship with your neighbour, society and family, there must be confusion; and the mind that is confused will only create more confusion, problems and conflict.
    A mind that escapes from the actual shall never find God; a mind that is agitated by belief shall not know truth. But the mind that understands its relationship with property, people and ideas, the mind which no longer struggles with the problems which relationship creates, and for which the solution is not withdrawal but the understanding of love – such a mind alone can understand reality.
    We realise that life is ugly, painful, sorrowful; we want some kind of theory or doctrine which will explain all this, and so we are caught in explanation, words, theories, and gradually, beliefs become deeply rooted and unshakable because behind those beliefs and dogmas, there is the constant fear of the unknown. But we never look at that fear; we turn away from it. The stronger the beliefs, the stronger the dogmas. Beliefs divide people. Each dogma, each belief has a series of rituals and compulsions which bind and separate man. So, we start with an inquiry to find out what is true, what the significance is of this misery, struggle and pain; and we are soon caught up in beliefs, rituals and theories.
    Belief is corruption because behind belief and morality lurks the mind, the self growing big, powerful and strong. We consider belief in God, the belief in something, as religion; that to believe is to be religious. If you do not believe, you will be considered an atheist; you will be condemned by society.
    One society will condemn those who believe in God, and another society will condemn those who do not. They are both the same. So, religion becomes a matter of belief and belief acts and has a corresponding influence on the mind; the mind then can never be free. But it is only in freedom that you can find out what is true, what is God, not through any belief, because your very belief projects what you think ought to be God, what you think ought to be true…
    We are confused, and we think that through belief we shall clear the confusion; that is, belief is superimposed on the confusion, and we hope that confusion will thereby be cleared away. But belief is merely an escape from the fact of confusion; it does not help us to face and to understand the fact but to run away from the confusion in which we are… Belief only acts as a screen between ourselves and our problems. So, religion, which is organised belief, becomes a means of escape from what is, from the fact of confusion

From : THE SPEAKING TREE

When a Fast Fails: Lessons From Gandhi

After Anna Hazare went on a fast unto death, this non-violent means of protest has once again gained a lot of traction in India – sometimes successful, sometimes not. In the India Ink blog, Samanth Subramanian traces how even Mahatma Gandhi’s fasts at times resulted in failure, and his thoughts on how to use them.

Even Mohandas K. Gandhi, the architect of the Indian obsession with the hunger strike, did not always succeed in his fasts — although success was, admittedly, measured by Mr. Gandhi’s own standards.
He considered, for instance, a 1918 fast in Ahmedabad a moral failure. He had stopped eating in solidarity with striking mill workers, and three days into his fast, the factory owners agreed to raise worker wages by 35 percent.
But Mr. Gandhi was unhappy: some of the workers had contemplated a suspension of the strike in favor of violence. During the strike, he had exhorted them to stick to the pacifist path, reminding them that they had “their hands, their courage, and their fear of God.” After the fast, he would regretfully say of the workers: “They have not won their masters’ hearts, as they were not innocent in thought. They were only non-violent in deed.”
Mr. Gandhi could be ruthless about the conduct of his hunger protests. On Sept. 20, 1932, on the grounds of Pune’s Yerawada Prison, he started a fast to protest the notion of creating a separate electorate for Hindu Dalits, because he feared that the move would fracture Hindu society. His health deteriorated rapidly.
B. R. Ambedkar, who had advocated strongly for this electoral structure, had initially called the fast a stunt, but as Mr. Gandhi grew sicker, Mr. Ambedkar came under immense pressure to negotiate. The Poona Pact was born out of compromises that Mr. Ambedkar and Mr. Gandhi reached on Sept. 24.
Mr. Ambedkar would insist on portraying the pact as a failure for Mr. Gandhi. In a book titled “What Congress and Gandhi have done to the Untouchables,” Mr. Ambedkar would write: “When the fast failed and Mr. Gandhi was obliged to sign a pact … which conceded the political demands of the Untouchables … he took his revenge by letting the Congress employ foul electioneering tactics to make their political rights of no avail.”
Mr. Gandhi himself identified a 1939 fast in Rajkot as an unsuccessful, “tainted” one. The ruler of the princely state of Rajkot had revoked a set of political reforms, and when Mr. Gandhi’s fast did not produce the change he wanted, he asked the viceroy to intervene. “There can be no room for selfishness, anger, lack of faith, or impatience in a pure fast,” he wrote in Harijan. “It is no exaggeration to admit that all these defects crept into my Rajkot fast … I had in me the selfish desire for the realization of the fruits of my labor. If there had been no anger in me, I would not have looked to the Viceroy for assistance.” He left Rajkot “empty-handed, with body shattered and hope cremated.”
In Harijan in 1940, as per his custom, Mr. Gandhi posed himself questions and answered them. In one such query about the ethics of fasting, he argued that a fast “out of love” might appeal to the senses of a friend going astray. “There is a possible risk [that] he would be tempted to go back to his old ways,” Mr. Gandhi wrote. “But then I can fast again. Ultimately the increasing influence of my love will either convert the friend to the extent of weaning him completely from his evil ways, or repeated fasts may lose their novelty, blunt his mind, and make it impervious to my fasting.”

Nehru Gandhi Family Secrets

Nehru Gandhi Family Secrets

7 Myths Associated with Life Insurance You Should Debunk

Planning for contingencies like death and hospitalisation is an important part of financial planning.
Buying a life insurance cover provides money to dependents of the bread earner on his or her death. However, there are a number of myths associated with life insurance that should be debunked first to ensure that one buys adequate life cover to protect the family.

MYTH 1: LIFE INSURANCE IS A WASTE OF MONEY
Life insurance is bought to protect ourselves from the contingency of untimely death. It would take care of the living expenses of your family if you die young.
Life insurance is an investment that is more of a safety mechanism; it is to provide financial security to the dependents. Term policies that cover the risk of untimely death are cheap and most ideal for providing life coverage.

MYTH 2: LIFE INSURANCE IS FOR SAVING TAXES
This could probably be a selling point for agents. But tax-saving is one of the many benefits life insurance offers. The main benefit is the provision of finances in case of the death of the policy holder.
Taxes can be saved with other tax-saving instruments like mutual funds, tax-saving bonds and government bonds, post-office savings schemes and Public Provident Fund (PPF).
Paying a premium to cover the full financial needs of the family in case of the death of the bread earner is very important. The cover should be for about 7 to 10 times the annual income of the bread-earner.

MYTH 3: THE VERY YOUNG DON’T NEED LIFE INSURANCE
This is a wrong notion. The common notion that people die when they are old may be true to a large extent. But having the risk of death covered is definitely better than leaving dependents financially bereft in case of an untimely death. Besides, it is smart to take benefit of the lower premium rates offered to the young. Also, you may find it difficult to take life insurance when you are old due to higher premium rates or being refused because of ill-health.

MYTH 4: LIFE, MEDICAL COVERS ARE PROVIDED BY EMPLOYERS
These covers are available only until you are in a particular company or till retirement. Also, life insurance provided by employers may not adequately cover the living expenses of your family in case of your untimely death.
It is advisable to buy medical insurance when you are young, as fresh medical insurance taken just prior to retirement could be refused on medical grounds. Critical illness policies help meet additional living expenses of the family in case of a critical illness.

MYTH 5: ULIPS FOR A LIMITED PERIOD SEEM ATTRACTIVE
In most cases, this is more of a sales gimmick. Most insurance products are so designed that the major costs are incurred in the first few years and deducted from the premium.
There are charges that the company wishes to recover over the entire tenure of the policy. So very less is actually invested in units. It is, therefore, best to look at unit-linked insurance plans with an open mind and consider a commitment of periodic investment for the whole tenure of the insurance policy.
Paying for a longer tenure could result in a more profitable proposition.

MYTH 6: IT’S BEST TO BUY A POLICY IN THE NAME OF A MINORThis emotional sentiment selling point has helped many to sell insurance. Also, the premium paid on child policies may be much less than on a policy for an adult wanting the same coverage. A life insurance policy is taken to make good the loss of income to the family, so taking a policy with the child as a beneficiary or nominee may be a smarter thing to do.

MYTH 7: PLEASING RELATIVES/ASSOCIATES IS IMPORTANT
Avoid taking policies just for the sake of satisfying your friends and relatives who are insurance agents. Also, you need to avoid taking policies just to maintain relationship with business associates like bankers. Insurance policies need to be taken based on your need. These days, online term insurance plans are 50% cheaper when compared with term policies taken through agents or brokers.

By Ramalingam K
FOUNDER & DIRECTOR
Holistic Investment Planners

Always "THINK OUTSIDE OF THE BOX"

6 beautiful HR Questions !!!

Here are some of the typical HR questions asked to find out if the candidates have "out of box" thinking capability


Question 1:

"What will you do if I run away with your sister?"

The candidate who was selected answered " I will not get a better match for my sister than you, sir."

Question 2:

Interviewer (to a student girl candidate) - What if one morning you woke up & found that you were pregnant ?

I will be very excited and take a day off, to celebrate with my husband. (Normally an unmarried girl will be shocked to hear this, but she managed it well. Why should I think it in the wrong way, she said later when asked.)

Question 3:

Interviewer: He ordered a cup of coffee for the candidate. Coffee arrived and was kept before the candidate, then he asked "What is before you?"

Candidate: Instantly replied "Tea" and got selected.

(You know how and why did he say "TEA" when he knows very well that coffee was kept before him?.
Answer: The question was "What is before you U? (-alphabet). Reply was "TEA" T (- alphabet).

Question 4:

Where Lord Rama would have celebrated his "First Diwali"?

People will start thinking of Ayodya, Mithila [Janaki's place], Lanka etc...

But the logic is, Diwali was a celebrated as a mark of Lord Krishna Killing Narakasura. In Dusavataar, Krishnavathaar comes after Raamavathaar.

So, Lord Rama would not have celebrated the Diwali At all!

Question 5:

You are driving along in your car on a wild, stormy night, it's raining heavily, when suddenly you pass by a bus stop, and you see three people waiting for a bus:

An old lady who looks as if she is about to die.
An old friend who once saved your life.
The perfect partner you have been dreaming about.

Which one would you choose to offer a ride to, knowing very well that there could only be one passenger in your car?

This is a moral/ethical dilemma that was once actually used as part of a job application.

* You could pick up the old lady, because she is going to die, and thus you should save her first; * or you could take the old friend because he once saved your life, and this would be the perfect chance to ! pay him back. *
However, you may never be able to find your perfect mate again...

The candidate who was hired (out of 200 applicants) had no trouble coming up with his answer. Guess what was his answer?

He simply answered:

"I would give the car keys to my Old friend and let him take the lady to the hospital. I would stay behind and wait for the bus with the partner of my dreams."

Sometimes, we gain more if we are able to give up our stubborn thought limitations. Never forget to "Think Outside of the Box."

Question 6:

The interviewer asked the candidate "This is your last question of the interview. Please tell me the exact position of the center of this table where u have kept your files."

Candidate confidently put one of his finger at some point at the table and said that this was the central point at the table. Interviewer asked "how did you decide that this is the central point of this table?", then he answers quickly that "Sir you are not supposed to ask any more question, as it was the last question as you promised .....

And hence, he was selected as because of his quick-wittedness.

This is what Interviewer expects from the Interviewee. ....

Peng Shuilin -Owner of Half Man - Half Price Store

 

Peng Shuilin had half of his body amputated after being run over by a truck. But he never gave up! His recovery has amazed surgeons after almost two years undergoing a series of operations. The vice-president of the hospital where this 37-year old Chinese man has been treated said: “He is amazing and the only person in the world to survive having so much of his body amputated.” He’s doing well now and has opened his own bargain supermarket - called the Half Man-Half Price Store. That’s incredible.
We should not Give up Whatever the situations are.

Positive Thinking

If we were to change our vocabulary a bit , life can be beautiful.
Do not say 'Afraid ' say 'Uncomfortable'
Do not say 'Confused ' say 'Curious'
Do not say 'Exhausted ' say 'Recharging'
Do not say 'Failure ' say 'Learning'
Do not say 'Hurt ' say 'Bothered'
Do not say 'Insulted ' say 'Misunderstood'
Do not say 'Jealous ' say 'Over-Loving'
Do not say 'Lazy' say 'Storing Energy'
Do not say 'Lost ' say 'Searching'
Do not say 'Sad ' say 'Sorting out thoughts'
Do not say 'Stressed ' say 'Energised'
Do not say 'Problem ' say 'Opportunity'
Do not say 'Terrible ' say 'Different'

15 Great Sayings by Chanakya

1) "Learn from the mistakes of others... you can't live long enough to make them all yourselves!!"
- Chanakya

2)"A person should not be too honest. Straight trees are cut first and Honest people are screwed first."
- Chanakya

3)"Even if a snake is not poisonous, it should pretend to be venomous."
- Chanakya

4)"There is some self-interest behind every friendship. There is no friendship without self-interests. This is a bitter truth."
- Chanakya

5)" Before you start some work, always ask yourself three questions - Why am I doing it, What the results might be and Will I be successful. Only when you think deeply and find satisfactory answers to these questions, go ahead."
- Chanakya

6)"As soon as the fear approaches near, attack and destroy it."
- Chanakya

7)"The world's biggest power is the youth and beauty of a woman."
- Chanakya

8)"Once you start a working on something, don't be afraid of failure and don't abandon it. People who work sincerely are the happiest."
- Chanakya

9)"The fragrance of flowers spreads only in the direction of the wind. But the goodness of a person spreads in all direction."
- Chanakya

10)"God is not present in idols. Your feelings are your god. The soul is your temple."
- Chanakya

11) "A man is great by deeds, not by birth."
- Chanakya

12) "Never make friends with people who are above or below you in status. Such friendships will never give you any happiness."
- Chanakya

13) "Treat your kid like a darling for the first five years. For the next five years, scold them. By the time they turn sixteen, treat them like a friend. Your grown up children are your best friends."
- Chanakya

14) "Books are as useful to a stupid person as a mirror is useful to a blind person."
- Chanakya

15) "Education is the best friend. An educated person is respected everywhere. Education beats the beauty and the youth."
-Chanakya

After Engagement and After Wedding

How things change after engagement & after marriage ? 

Read the dialogue between a couple.

AFTER ENGAGEMENT:

SHE: I waited so long for this.

HE: Do you wan’t me to leave?

SHE: No Never!

HE: Do you love me?

SHE: Yes I did, I’m doing & I’ll do.

HE: Did you ever cheat me?

SHE: I would rather die than to do it.

HE: Will you kiss me?

SHE: Surely, it’s my pleasure.

HE: Will you hurt me?

SHE: No way, I’m not such kind of a person.

HE: Can I trust you?

SHE: Yes.

HE: Oh Darling!

TO KNOW AFTER WEDDING:

>> Read in the reverse from bottom to top <<

Petrol vs Diesel: And the Economies of Scale

With the prices of petrol skyrocketing, car buyers seem to be lining up to book diesel variants as they are highly economical and easy on the pocket compared to their gasoline counterparts. Well, that is only if you discount everything else and consider the running cost. Take a look at the bigger picture and bring it down to simple numbers to find the cost-effective option between petrol and diesel fueled variant

We did the math to compare the cost of operation for an entry level Maruti Suzuki Swift petrol with the diesel variant. The difference in the cost of the two variants is Rs. 90,000 with diesel being the more expensive of the two; add to that the interest one would gain on the excess amount at 10% p.a if the petrol variant was purchased. The diesel variant being more efficient and the cost of diesel being Rs. 20/litre lesser than that of petrol, it saves a lot of expenses on fuel (See Case 1), but the cost of regular maintenance of the diesel variant is higher than that of its petrol equivalent. Taking all these dynamics into account, the running cost of a petrol car comes to approximately Rs. 4.93/km in comparison to Rs. 9.5/km for the diesel if both the vehicles are run for 15000kms annually. Increasing the annual mileage put on the odometer, the diesel is at par with the petrol variant if and only if a person does a minimum of 45,000kms annually.

Low running? Wait for longer to recover costs

Now, it is understandable that an average Indian cannot put 45,000kms on the odometer annually considering the average run of an Indian being around 15,000kms per year. So does that totally rule out the diesel option? Well, no. Reverse calculating the amount of money saved on fuel (See: Case 2) by using a diesel car amounts to Rs. 30,500 annually after deduction of service costs for both the vehicles. Even so, after adding interest on the additional amount paid by a buyer at the time of purchase the diesel would be at par with the petrol variant mid-way through the third year. At the end of the fourth year with an annual running of 15,000kms, the money you would have saved in terms of running costs in a diesel would cover up the extra price you have paid, and you would have saved an extra Rs 9,700 as well. Only at the end of the fifth year do things begin to look rosy for diesels, with around Rs 40,000 saved in running costs over these five years.



What about depreciation?

Alright, so you finally made up the extra amount you spent in the initial invest of a diesel car, but what about depreciation? Assuming that both the variants have been reduced to half their cost after 5 years, you will still be losing more money in depreciation for the diesel, since it was a more expensive buy to start with.


The value of a Rs 4.95 lakh petrol car will be reduced by Rs 2.47 lakh at the end of five years. The value of a Rs 5.85 lakh diesel car on the other hand will be reduced by Rs 2.92 lakh – that’s Rs 45,000 lost straight in depreciation for a diesel.

This is an extreme scenario, we accept. The market dynamics for more-in-demand second hand diesel car space may result in lesser depreciation, and a better resale price. Either ways, the Rs 40,000 that a diesel user may gain after using the car for five years starts looking less rosy once you factor in depreciation as well.


Although, with the price of petrol is as high as Rs. 70/litre, the diesel may seem like a more affordable option, it may not necessarily be so. The diesel starts making economic sense for users who either have a run of 45,000kms annually or those who plan to retain the car for at least five years or till the time they hit 50,000 kms on the odometer. And for those who have much less traveling to do in a car, the petrol still makes for a better buy.


What about the feel factor?

Although mathematics seem to be in favour of a petrol car unless you plan to retain a diesel for a prolonged period or drive seriously long distances within the first year itself, it is clear that the choice between petrols and diesels also has other angles that must be considered before making that final call.


Psychological satisfaction is of utmost importance to an Indian customer; and along with it comes the mental peace of not having to refuel a diesel car every few days unlike the petrol equal which is pretty much perpetually thirsty. But, simply the fact that the diesel needn’t be refueled very frequently doesn’t make it a more economical option. A diesel starts making sense only when you have a run of at least 15,000kms anything less than that and diesel will smartly fool you into feeling richer just because you end up filling fuel less frequently.


It is not just the thirst for fuel of petrol cars that brings diesel vehicles into the lime light. The numbers before you clearly state, that you should consider buying a diesel only if your monthly run exceeds a 1000 kilometres. In fact our thesis was endorsed by Toyota at the recent launch of the Etios and Liva diesels, where they made it very clear that for a diesel to start looking rosy; one has to run it for nearly 2000kms a month. The numbers are before you, so remember that with a diesel, you would still be paying that extra cash for the first three-four years of running for the satisfaction of driving a diesel. It still is a case of different strokes for different folks, and choice still remains in the hands of the buyer. Hope this article helps you make a more informed one.

Think twice before saying Diesel is cheaper

Courtesy  : zigwheels.com

Gujju Ka Khoon

An Arab was admitted in the Lilavati Hospital at Mumbai for a heart transplant, but prior to the surgery the doctors needed to store his blood in case need arises. As the gentleman had a rare type of blood, it couldn't be found locally. So the call went out to a number of countries.
Finally a Gujarati in Ahemedabad was located who had a similar type of blood. The Gujarati willingly donated his blood for the Arab. After the surgery, the Arab sent the Gujarati as appreciation for  giving his blood, a new Toyota Prado, diamonds, lapis lazuri jewellery, and a million US dollars.

Once again the Arab had to go through a corrective surgery. His doctor telephoned the Gujarati who was more than happy to donate his blood again.

After the second surgery, the Arab sent the Gujarati a thank you card and a jar of Almond halwa sweets.

The Gujarati was shocked to see that the Arab this time did not reciprocate the Gujarati's kind gesture as he had anticipated. He phoned the Arab and asked him that this time also I thought that you would give me Toyota Prado, Diamonds and Jewellery..... But you gave only a thank you card saying “Jai Shree Krishna” and a jar of Almond sweets..... On this the Arab replied:

..
"Bapu..... now I have Gujju blood in my veins!"

Speaking English

By Karan Thapar

It's time to once again poke a little fun at the English language or, more accurately, our use of it. So, if you've had your fill of Anna, inflation, petrol prices and the 2G accused, this is very possibly the remedy you need.
Sit comfortably and read on for a little frivolous pleasure.

First, consider how the English language has changed. When I was 10, rubber meant eraser, ass meant donkey, gay meant happy, straight was linear, cock was a rooster, pussy a cat, a prick was a jab, a poke a nudge and a screw was what a carpenter used. Oh yes, in case I forget, a tit was a response for a tat. Now, today, even if you're gay, you're unlikely to admit it whilst many more are pricks and don't know it. And very few use a rubber! We prefer to use pens or type.

Now, here's an apocryphal account of what the Irish have done to the language. My cousin Arjun claims the Irish Medical Dictionary has the following unique definitions for words you and I have always understood differently.

Bacteria is defined as “the back door to the cafeteria“, Caesarian Section as “a neighbourhood in Rome“, Cat Scan as “searching for Kitty“, Coma as “a punctuation mark“, whilst Dilate is “to live long“, Enema is “Not a friend“, Fester is “quicker than someone else“, Fibula “a small lie“, Labour Pain “getting hurt at work“ and Morbid “a higher offer“. Nitrates are “rates of pay for night work“, a Tablet is “a small table“, a Pelvis is “a second cousin of Elvis“, Secretion is “to hide something“, Urine is the “opposite of you're out“ and Terminal Illness is “getting sick at the airport“!

However, more than the Irish, when it comes to destroying the English language the real offenders are the Americans. Even though Professor Higgins insists they haven't spoken it for years, they've mastered the art of making simple English needlessly complicated.

So when an American goes shopping rather than buy he asks “Can I get...“. When he contemplates, rather than choose the easiest he opts for the “least worst option“. When he arrives he doesn't disembark but “deplanes“.Worse, if something happens, often it's said to be “oftentimes“. And, of course, twice and thrice have been replaced by “two-times“ and “three-times“.

Finally, here are the Indianisms -our own unique national contribution to the misery of English -that I once threatened to bombard you with. This is a collection sent by Bambi Rao, to whom I'm, of course, indebted.

While the rest of the world on finishing their studies graduate, we “pass out“. Given our grades, perhaps that's more accurate. When we want to ask for a reply we command “kindly revert“, unaware that it means return to a former state. When we want someone to do something, we state “kindly do the needful“, which presumes they share our need. And famously, when we're away we say we're “out of station“. I wonder what's wrong with out of town or, even, I'm not here?

However, there is one Indianism that serves a most useful purpose and I do recommend it to the English. It's to “prepone“, the opposite of postpone i.e.to bring forward an appointment or an event. Quite frankly, this is a word that we need and it makes a lot of sense. It deserves to exist. So my advice to the lexicographers of the Oxford English Dictionary is simple: “Kindly adjust“!

The views expressed by the author are personal

Courtesy : Hindustan Times

Be Indian ,Buy Indian

Jayashree Gandhi has sent in this email :
 
YOU CAN MAKE A HUGE DIFFERENCE TO THE INDIAN ECONOMY BY FOLLOWING FEW SIMPLE STEPS:-

Please spare a couple of minutes here for the sake of India .

I got this article from one of my friends, but it's true. I can see this in day to day life.

Here's a small example:-

Before 12 months 1 US $ = IND Rs 39
After 12  months, now 1 $ = IND Rs 50

Do you think US Economy is booming? No, but Indian Economy is Going Down.

Our economy is in your hands....
    
INDIAN economy is in a crisis. Our country like many other ASIAN countries, is undergoing a severe economic crunch. Many INDIAN industries are closing down. The INDIAN economy is in a crisis and if we do not take proper steps to control those, we will be in a critical situation.

More than 30,000 crore rupees of foreign exchange are being siphoned out of our country on products such as cosmetics, snacks, tea, beverages, etc... which are grown, produced and consumed here.

A cold drink that costs only 70 / 80 paisa to produce, is sold for Rs.9 and a major chunk of profits from these are sent abroad. This is a serious drain on INDIAN economy.

We have nothing against Multinational companies, but to protect our own interests we request everybody to use INDIAN products only at least for the next two years. With the rise in petrol prices, if we do not do this, the Rupee will devalue further and we will end up paying much more for the same products in the near future.

What you can do about it?

1. Buy only products manufactured by WHOLLY INDIAN COMPANIES.
2. ENROLL as many people as possible for this cause.....

Each individual should become a leader for this awareness. This is the only way to save our country from severe economic crisis. You don't need to give-up your lifestyle. You just need to choose an alternate product.

All categories of products are available from WHOLLY INDIAN COMPANIES.

LIST OF PRODUCTS

COLD DRINKS:-
DRINK LEMON JUICE, FRESH FRUIT JUICES, CHILLED LASSI (SWEET OR SALTY), BUTTER MILK, COCONUT WATER, JAL JEERA, ENERGEE, and MASALA MILK...
INSTEAD OF  COCA COLA, PEPSI, LIMCA, MIRINDA, SPRITE

BATHING SOAP:-
USE CINTHOL & OTHER GODREJ BRANDS, SANTOOR, WIPRO SHIKAKAI, MYSORE SANDAL, MARGO, NEEM, EVITA, MEDIMIX, GANGA , NIRMA BATH & CHANDRIKA
INSTEAD OF  LUX, LIFEBUOY, REXONA, LIRIL, DOVE, PEARS, HAMAM, LESANCY, CAMAY, PALMOLIVE

TOOTH PASTE:-
USE  NEEM, BABOOL, PROMISE, VICO VAJRADANTI, PRUDENT, DABUR PRODUCTS, MISWAK
INSTEAD OF  COLGATE, CLOSE UP, PEPSODENT, CIBACA, FORHANS, MENTADENT.

TOOTH BRUSH: -
USE PRUDENT, AJANTA , PROMISE
INSTEAD OF COLGATE, CLOSE UP, PEPSODENT, FORHANS, ORAL-B

SHAVING CREAM:-
USE GODREJ, EMAMI
INSTEAD OF PALMOLIVE, OLD SPICE, GILLETE

BLADE:-
USE  SUPERMAX, TOPAZ, LAZER, ASHOKA
INSTEAD OF  SEVEN-O -CLOCK, 365, GILLETTE

TALCUM POWDER:-
USE  SANTOOR, GOKUL, CINTHOL, WIPRO BABY POWDER, BOROPLUS
INSTEAD OF  PONDS, OLD SPICE, JOHNSON'S BABY POWDER, SHOWER TO SHOWER

MILK POWDER:-
USE  INDIANA, AMUL, AMULYA
INSTEAD OF  ANIKSPRAY, MILKANA, EVERYDAY MILK, MILKMAID.

SHAMPOO:-
USE  LAKME, NIRMA, VELVETTE
INSTEAD OF  HALO, ALL CLEAR, NYLE, SUNSILK, HEAD AND SHOULDERS, PANTENE

MOBILE CONNECTIONS:-
USE BSNL, AIRTEL
INSTEAD OF HUTCH

Food Items:-
Eat Tandoori , Vada Pav, Idli, Dosa, Puri, Uppuma
INSTEAD OF  KFC, MACDONALD'S, PIZZA HUT, A&W

Every INDIAN product you buy makes a big difference. It saves INDIA . Let us take a firm decision today.

BUY INDIAN TO BE INDIAN - We are not against of foreign products.

WE ARE NOT ANTI-MULTINATIONAL. WE ARE TRYING TO SAVE OUR NATION. EVERY DAY IS A STRUGGLE FOR A REAL FREEDOM. WE ACHIEVED OUR INDEPENDENCE AFTER LOSING MANY LIVES.
THEY DIED PAINFULLY TO ENSURE THAT WE LIVE PEACEFULLY. THE CURRENT TREND IS VERY THREATENING.

MULTINATIONALS CALL IT GLOBALIZATION OF INDIAN ECONOMY. FOR INDIANS LIKE YOU AND ME, IT IS RE-COLONIZATION OF INDIA . THE COLONIST'S LEFT INDIA THEN. BUT THIS TIME, THEY WILL MAKE SURE THEY DON'T MAKE ANY MISTAKES.

WHO WOULD LIKE TO LET A "GOOSE THAT LAYS GOLDEN EGGS" SLIP AWAY?

PLEASE REMEMBER: POLITICAL FREEDOM IS USELESS WITHOUT ECONOMIC INDEPENDENCE

RUSSIA , S.KOREA , MEXICO - THE LIST IS VERY LONG!! LET US LEARN FROM THEIR EXPERIENCE AND FROM OUR HISTORY. LET US DO THE DUTY OF EVERY TRUE INDIAN.

FINALLY, IT'S OBVIOUS THAT YOU CAN'T GIVE UP ALL OF THE ITEMS MENTIONED ABOVE. SO GIVE UP AT LEAST ONE ITEM FOR THE SAKE OF OUR COUNTRY!

"LITTLE DROPS MAKE A GREAT OCEAN ."

PLEASE TRY TO BE AN INDIAN.....

Get Rich Tips

Everybody wants to be rich & successful but most people just dream of it, few attempt to transfer it to reality.  The trick is to concentrate on your dreams and forget about rewards.

Here are some home truths to follow :

1) Regard material reward as a by-product, not the goal of success.

2) Don't plan to rest on your laurels, keep driving forward.

3) Success is not just genius. Most important is the desire to achieve and an ability to organise & get things done.

4) Place a high premium on developing common sense & practical judgement.

5) Don't expect success to fall into your lap

6) Develop a set of clear goals

7) Don't get discouraged by obstacles to success. Use them as motivation to succeed.

8) Look for a special person to put you on the front track to the top.

9) You can be success in more than one field.

10)  Don't expect high achievements alone to bring supreme happiness

11) As you become more successful begin to share your achievement with others. 

12) Striving for success becomes inner growth rather than just an effort to push & scramble to the top.

Home Remedies

CURE FOR ACIDITY :

Acidity, it is said, is worse than Cancer. It is one of the most common dis-ease people encounter in their daily life. The home remedy for Acidity is Raw Grains of Rice.

The Process:

1. Take 8 - 10 grains of raw uncooked rice

2. Swallow it with water before having your breakfast or eating anything in the morning

3. Do this for 21 days to see effective results and continuously for 3 months to eliminate acidity from the body

The Cure:

Reduces acid levels in the body and makes you feel better by the day.

CURE FOR CHOLESTEROL:

Cholesterol problem accompanies with Hypertension and Heart Problems. This is also one of the common problems in people who have High Blood Pressure and Diabetes. The home remedy for Cholesterol problem is RAW SUPARI.

The Process:

1. Take Raw Supari (Betel Nut that is not flavoured) and slice them or make pieces of the same

2. Chew it for about 20 - 40 minutes after every meal

3. Spit it out

The Cure:

When you chew the supari, the saliva takes in the juice that is generated and this acts like a Blood Thinner. Once your blood becomes free flowing, it brings down the pressure in the blood flow, thereby reducing Blood Pressure too.

CURE FOR BLOOD PRESSURE:

One of the simple home remedy cure for Blood Pressure is Methi Seeds or Fenugreek Seeds.

The Process:

1. Take a pinch of Raw Fenugreek Seeds, about 8 - 10 seeds

2. Swallow it with water before taking your breakfast, every morning

The Cure:

The seeds of Fenugreek are considered good to reduce the blood pressure.

CURE FOR DIABETES:

There are 2 home remedies for Diabetes. One is Ladies Finger and the other is Black Tea.

BLACK TEA: Due to high medication, the organ that is worst affected is the Kidney. It has been observed that Black Tea (tea without milk, sugar or lemon) is good for the Kidney. Hence a cup of black tea every morning is highly advisable.

The Process:

1. Boil water along with the tea leaves (any tea leaves will do).

2. Drink the concoction without addingmilk, sugar or lemon.

The Cure:

Black Tea will help in enhancing the function of the kidney, thereby not affecting it more.

LADIES FINGER or OKRA:

Ladies finger is considered to be a good home medicine for diabetes.

The Process:

1. Slit the ladies finger into 2 halves vertically and soak it in water overnight.

2. The next morning, remove the ladies fingers and drink the water, before eating your breakfast.

The Cure:

After the ladies fingers are soaked overnight in the water, you can observe that the water becomes sticky in the morning. This sticky water is considered to be good for people who suffer from Diabetes.