Message for the Day…” Until one can rely upon his own strength , he is an Infant in the hands of God …”

Explaining the characteristics of a devotee, Rama said to Narada, “Whoever with discrimination and renunciation (viveka andvairagya), and humility and wisdom (vinaya and vijnana) is aware of the knowledge of Reality, whoever is always immersed in the contemplation of My play (leela), whoever dwells on My name at all times and under all conditions, and whoever sheds tears of love whenever the Lord’s name is heard from any lip — these are My genuine devotees.” When the infant grows up into an adult, the mother won’t pay so much attention to its safety. The Lord doesn’t pay much attention to the wise one (jnani). For the jnani, their own strength is enough. Therefore, until one can rely on one’s own strength, one must be an infant in the Lord’s hands, as a devotee of the form, right? No one can become a devotee of the Formless Supreme (Nirguna bhaktha) without having been a devotee of the form (Saguna bhakta).

Sathya Sai Baba

” When the Lights Glow …This village Thanks TWO young MEN …” !!!

India is witnessing a radical transformation where highly qualified youngsters are giving up cushy jobs to make a difference in the lives of poor people in rural areas.

Manu A B/Rediff.com tracks the success stories of some of the remarkable people who are working in remote villages to change the profile of rural India. 

Every evening when the lights glow in the huts of Gangapur village, the villagers thank two young men – Ajay Kumar and Somil Daga.

Solar lights help children study in Gangapur

For 35 poor families of the Musahar community from Gangapur village in Samastipur district of Bihar, Ajay and Somil are visionaries who literally shed light into their lives.

Till these youngsters arrived in Gangapur with their out-of–the-box solar-powered electrification project, the villagers were forced to live in an era of darkness, their children were afflicted with eye sight problems due to the stress and strain caused by long exposure to the flickering kerosene lamps

When it rained the entire village plunged into darkness for weeks as even the lamps turned damp and stopped flickering altogether.

Even for basic things like charging mobile phones, the villagers were forced to walk a good 5 kilometres to the nearest grocery store, which charged them Rs 5 for charging the phone once.

When 23-year-old Ajay and 24-year-old Somil approached them initially, the villagers couldn’t believe that these two youngsters could bring electricity to their village without setting up a thermal or hydro electric project.

The villagers had by the time given up hope as the government had turned their back even after they petitioned many times to provide electricity to their village.

Ajay Kumar (L) and Somil Doga at work.

“They were initially skeptical of the idea of bringing light to their households using sun as a source of power. The toughest part was getting the consent from villagers,’’ says Ajay Kumar, an electrical engineer from Kalinga Institute of Industrial Technology, Bhubneshwar.

It took three months to convince villagers to agree for the project. “They could not believe that electricity could be generated by setting up solar panels. It was something they had never heard of so it was difficult to make them understand,” he says.

For Ajay Kumar and Somil Doga, SBI’s Youth for India fellowship, provided a unique opportunity to work on a rural development project for a period of 13 months. They have completed 9 months now.

Somil who did his mechanical engineering from Vellore Institute of Technology also gave up good job offers to join SBI’s program.

Sharing a common passion, they decided to work together in bringing electricity in Gangapur.

It was the first time that Ajay was living in a village. It was a totally different life altogether. He too faced problems initially just as anyone new to a village.

Village life was difficult and at the same time a great learning experience. He decided to cook himself as the food they got from the small dhabas was not good enough. “At home, everything was taken care of. I never entered the kitchen but now I am an expert cook too,” says Ajay in a lighter vein.

For people in Gangapur – who worked in brick kilns and as daily wage labourers – there was no hope of a better life.

Once the villagers agreed for an alternative solution to light up their village, Ajay and Somil worked on building a low-cost decentralised solar lighting solution. The nearest town to procure the raw materials was 30 kilometers away. So for everything, they had to travel to town, which again took time.

During one foggy winter morning, I was riding the bike to the village. Unfortunately, I skidded and fell off the bike. But the timely help from villagers helped me and I escaped with just minor bruises,’’ says Ajay.

Raising funds was not too difficult. “Fortunately, we were able to raise Rs 80,000 through crowd funding to buy the panels, batteries and wiring materials. It took about 3 months to build and install the system to charge mobile phones and get electricity in all the houses. Currently, all the houses have 1-2 led lights. We have installed a mobile charging system as well. It saves them money and time as drudgery of walking to get the phone charged is gone. We have also worked out an arrangement where each family has agreed to pay Rs 40 every month towards the maintenance of the system. This money will be collected and deposited in a bank,” explains Ajay.

While Ajay Kumar designed the solar panel model for electrification, Somil helped him with the installation. Once work started in the village, anxious villagers gathered around Ajay and Somil, curious to know what is going on and how the systems will work. There had innumerable questions too. It was heartening to see their reaction, their warmth and friendly nature made work easier for the duo. Even when lights were placed inside the houses, there was a sense of excitement and doubt in the minds of the people. Finally, when they saw the houses lit up, their joy knew no bounds. It was indeed a dream come true. Ajay and Somil were overwhelmed by their compliments. Meanwhile, Ajay has also filed a patent for this innovative and cheap solar power generation system. Within 30-40 years, we will run out of conventional fuels to generate electricity. It’s high time we switched to alternative methods that are safer, cheaper and long lasting. Even in urban areas, people must build alternative solar energy systems for electricity,” advises Ajay.

It costs Rs 8,000 to set up a solar-powered system that can light up 6 LED lights which can run for about 10 hours. The same system can also power 4 lights and 1 fan.

During his spare time, Ajay also managed to teach students at nearby schools. “Though the children are smart and keen to learn, these schools lack good teachers. Quality education is very essential so that they can also come up in life. Early marriages are also big issue here. I hope more young people will take up rural development projects and make a difference in the lives of millions of people who deserve a better life. It is not as difficult as it seems to be. We all have the ability to adjust and adapt,” explains Ajay.

Ajay Kumar and Somil Daga believe in Mahatma Gandhi’s words, “The future of India lies in the villages.”

They wanted to bring light to around 40 per cent of India’s villages which still do no have electricity.

It is not a difficult task. Just like we brought electricity to Gangapur, we can light up other villages across the country,” says Ajay, almost sounding like a visionary.

To know more about Ajay’s work, you can mail him at ajay.ansha002@gmail.com

source…..www.rediff.com

Natarajan

“கொழந்தே …நான் வைத்ய சாஸ்திரம் படிச்சதி ல்லியே …” !!!

அந்தப் பையனுக்கு மிஞ்சி மிஞ்சி போனால் பதினஞ்சு, பதினாறு வயஸ்தான் இருக்கும். பாவம், தாங்க முடியாத தலைவலியால் அவதிப்பட்டான்! டாக்டர்கள், வைத்யம் இதெல்லாம் ஒரு பக்கம் அதுபாட்டுக்கு போய்க் கொண்டிருந்தாலும், அவனுக்கு பேரிடியாக ஞாபகசக்தியும் குறைந்து கொண்டே வந்தது!

சோதனை காலத்திலும் ஒரு நல்ல காலம், ஞாபகம் நன்றாக இருக்கும் போதே [“அப்போதைக்கு இப்போதே சொல்லி வைத்தேன்” என்று ஆழ்வார் பாடியது போல்] பெரியவாளிடம் வந்து கண்ணீர் விட்டான். “எனக்கு தலைவலி தாங்க முடியலே பெரியவா….அதோட மறதி ரொம்ப இருக்கு. பாடத்தை ஞாபகம் வெச்சுக்கவே முடியலே…பெரியவாதான் காப்பாத்தணும்” அழுதான்.

“கொழந்தே! நா…..வைத்யசாஸ்த்ரம் படிச்சதில்லேடா…..வேதாந்த சாஸ்த்ரந்தான் படிச்சிருக்கேன்…..”

பையன் நகருவதாக இல்லை. பெரியவாளிடம் prescription வாங்காமல் போவதாக இல்லை. அதற்கு மேல் அவனை சோதிக்க பெரியவா விரும்பவில்லை. எனவே அவனிடம், ” சரி, நான் சொல்ற வைத்யம் ரொம்ப கடுமையா இருக்குமேப்பா! ஒன்னால follow பண்ண முடியாதேடா கொழந்தே!…”

“அப்டீல்லாம் இல்லே பெரியவா……ஒங்க வார்த்தைப்படி கட்டாயம் நடக்கறேன்! ” வழி கிடைக்கும் நம்பிக்கையால் பையன் முகம் ப்ரகாஸமானது.

“ரொம்ப சந்தோஷம். அந்தக் காலத்துல, முகத்தலளவைன்னு ஒரு கணக்கு உண்டு. அதுப்படி, நாலு பெரிய்….ய்ய படில அரிசி, கோதுமை மாதிரி எதாவுது ஒரு தான்யத்தை அளந்து ஒரு பையில கட்டி,….. சபரி மலைக்கு இருமுடி கட்டிண்டு போறவாளை பாத்திருக்கியோ? அதுமாதிரி, அந்த தான்யத்தை ஒன்னோட தலையில வெச்சுண்டு, தெனோமும் ஒரு மைல் தொலைவு நடக்கணும்! செய்வியா?….முடியுமா?…”

“கட்டாயம் நடக்கறேன்…..”

“இரு இரு….இன்னும் நான் முழுக்க சொல்லி முடிக்கலே! ஒரு மைல் தொலைவு நடக்கறச்சே…யார்கிட்டயும் ஒரு வார்த்தை கூட பேசப்….டாது! சிவ நாமாவோ, ராம நாமாவோ சொல்லிண்டிருக்கணும்! அந்த தான்யத்தை அன்னன்னிக்கி எதாவுது சிவன் கோவிலுக்கோ, பெருமாள் கோவிலுக்கோ,..க்ராம தேவதை கோவிலுக்கோ எதுவானாலும் சரி, குடுத்துடணும்! இல்லாட்டா….யாராவுது ஒரு ஏழைக்கு அதைக் குடுத்துடணும்! இதுமாதிரி பதினோரு நாள் பண்ணினியானா…..ஒன்னோட தலைவலி போய்டும்; ஞாபகசக்தியும் நன்னா வ்ருத்தியாகும்…”

பையனுக்கு ஒரே சந்தோஷம் ! “நிச்சியம் நீங்க சொன்னபடி பண்றேன் பெரியவா” விழுந்து நமஸ்காரம் பண்ணிவிட்டு போனான். பெரியவாளின் அநுக்ரஹம் வேலை செய்ய ஆரம்பித்ததால், அவர் சொன்ன எதையும் மறக்காமல் ஞாபகம் வைத்துக்கொண்டு பண்ணினான். ஒரே வாரத்தில் பெரியவாளை தர்சனம் பண்ண வந்தான்…அழுது கொண்டு இல்லை! சிரித்த முகத்துடன் வந்தான்!

“பெரியவா……என் தலைவலி போய்டுத்து! டாக்டர்ல்லாம் ரொம்ப ஆச்சர்யப்பட்டா! “என்ன மருந்து சாப்ட்டே?”ன்னு கேட்டா…..பெரியவா பண்ணச் சொன்னதை சொன்னேன்….தலைல ஏதோ நரம்பு பிசகி இருந்திருக்கும், தான்யத்தோட வெயிட் ஏறினதும், அது செரியாகி இருக்கும்ன்னு சொன்னா! இன்னும் பாக்கி இருக்கறதையும் பண்ணிடறேன் பெரியவா”

அவன் சொன்னதை சிரித்துக் கொண்டே கேட்டுவிட்டு, ப்ரஸாதம் குடுத்தனுப்பினார்.

உண்மைதான்! பெரியவாளுடைய அநுக்ரஹ பாரம் தாங்காமல், பிசகின நரம்பு சரியாகிவிட்டது!

Read more: http://periva.proboards.com/thread/4538/#ixzz3d02QfHD0

Source…..www.periva.proboards.com

NATARAJAN

Message For the Day….” Remember , it is the “way of living” . the path of virtue , that keeps you in the MEMORY of People long after death …”

Lord Krishna declares in the Bhagavad Gita, “There is nothing in the three worlds that I am obliged to do, nothing unaccomplished that I have to accomplish, but I am still engaged in activity (karma)”. Lord Krishna says this, for, if God is inactive, the Cosmos will come to a grinding halt. You too, must take the lead and follow it. Translate your strength into activity along the path of duty. The young follow the lead of elders. So elders must consistently hold on to ideals and work towards their realization so that the entire universe can attain prosperity and peace. Mother Earth teaches her children this lesson of service and sacrifice. Good conduct must be the main key to the life of every being. Remember, it is the ‘way of living,’ the path of virtue, that keeps you in the memory of people long after death.

Sathya Sai Baba

Amazing Card Trick… !!!

This card trick will blow your mind…

Andrew Kelly has an awesome trick up his sleeve. Can you figure it out?

Andrew Kelly has an awesome trick up his sleeve. Can you figure it out? Source: YouTube

PREPARE to be dazzled.

Magician Andrew Kelly has recently posted a new card trick to his YouTube page and he’s so quick with his hands it’s almost impossible to spot.

Close-up magicians love to wow their audience members by making strange things happen before their eyes and Andrew is no different.

Hailing from the UK, Andrew’s talents have led him to perform in front of some of the world’s top celebrities, including on the Ellen DeGeneres show.

There is no stage, smoke or mirrors in his performances.

He interacts with groups of people at events creating illusions up close with just a pack of cards and borrowed objects such as mobile phones or coins.

This impressive card trick, taught by John Bannon, showcases his skill.

Can you figure out how he does it?

Source….www.news.com.au and http://www.youtube.com

Natarajan

Amazing Vertical Take Off…Boeing 787-9 Dreamliner…!!!

IT has to be seen to be believed.

In the lead-up to the Paris Air Show, which begins on June 15, Boeing has set the bar high after releasing a video of its newest version of the Dreamliner aircraft — the 787-9 — performing some impressive aerial moves.

But it’s the takeoff which has everyone talking as the passenger jet makes an almost vertical ascent seconds after leaving the ground.

The steep climb looks impressive, though it has its doubters.

Boeing 767 pilot Patrick Smith told CNN: “It looks like the takeoff is at a near vertical 90 degree angle — trust me it’s not.”

He said a 787 with passengers making a 20 degree pitch-up on takeoff would be pretty strong.

“Presumably the plane was very light because it wasn’t carrying any passengers, probably had a very light fuel load, no freight, so it would have been able to perform a steeper than normal ascent — but not to the extent the video seems to show,” Smith said.

That’s steep ... the Boeing Dreamliner 787-9 takeoff

That’s steep … the Boeing Dreamliner 787-9 takeoff Source: Supplied

video clip..

Source….www.news.com.au and http://www.youtube.com

Natarajan

Jamshedpur’s Plastic Roads…An Eye Opener for all Indian Cities…

Disposal of waste plastic is no longer a problem in the steel city with Jamshedpur Utility and Services Company (JUSCO) using bitumen technology on waste plastic, ranging from polybags to biscuit packets, for constructing roads.

Tata nagar roads jamshedpur

JUSCO, a 100 per cent subsidiary company of Tata Steel which maintains and provides municipal services in Tata command area of the city, has constructed 12-15 kms road in the steel city as well as Tata Steel Works besides widening 22 roads using the environment-friendly technology of utilising waste plastic.

Tata nagar roads jamshedpur -jusco

As far as we know, Jamshedpur is the only city in eastern India where bitumen technology (Dry Process) patented by Thiagarajar College of Engineering (TCE), Tirupparankuram, Madurai, has been implemented on accumulated waste plastic for the first time”, Gaurav Anand, Senior Manager (Quality Assurance) of JUSCO, said today.

Claiming that there is no maintenance cost involved for the first five years, Anand, who is an environment engineer, said that for every stretch of such one km long and four metre wide road, one tonne of bitumen costing Rs 50,000 is saved.

The use of bitumen has been reduced by 7 per cent ever since JUSCO began using waste plastic in road construction work, he said, adding that the quality and longevity of roads made of waste plastic-aggregate-bitumen was two times better than bitumen road.

roads made from plastic by JUSCO

Describing plastic tar road as a “new pathway”, Pratyush Dandpat, Deputy Manager (Quality Assurance) of JUSCO, said that the technology turned out to be successful.

Besides being water resistant, it has better binding property, higher softening point, can withstand high temperature and higher load, has lower penetration value, costs less as compared to bitumen road and has no toxic gas emission, Dandpat said.

Though there is great demand for the technology, including from Chattisgarh, Himachal Pradesh, Uttarakhand and Jharkhand governments, but “we do not have any plan to commercialise it but to serve society. We have even received a request from Nigeria, which wants to replicate it in their country”, Anand said.

Due to the JUSCO initiative, the city will now have strong, durable, eco-friendly roads which will also relieve the residents from the sight of heaps of plastic waste.

Source…www.indiatimes.com

Natarajan

“Here’s why no one has found a trace of missing Flight MH370….”

A Texas A&M University professor and his team in Qatar have a mathematical theory about why search crews have found no trace of Malaysia Airlines Flight 370 more than a year after it went missing.

Dr. Goong Chen, whose research on this theory was published in the American Mathematical Society’s journal, argues that the plane could have nosedived into the Indian Ocean at a 90-degree angle and remained somewhat intact as it sank to the bottom.

At 1:30 a.m. on March 8, the plane carrying 239 people dropped off air-traffic-control screens, less than an hour into a flight from Kuala Lumpur to Beijing.

One of the biggest mysteries surrounding Flight MH370 is the fact that, despite experts tracking the plane’s satellite pings to the southern Indian Ocean, searchers have never found a debris field or oil slicks from the supposed crash.

Texas A&M noted that in the case of Air France Flight 447, crews recovered thousands of pieces of floating debris from the Atlantic Ocean just days after the plane crashed in 2009.

Chen explains that if the plane were to enter the ocean at another angle, it would have created a large “bending moment” from the external force of hitting the water, causing the fuselage to break up.

In this type of situation, there would likely be a field of floating debris on the surface of the water.

But a vertical entry would be much smoother, with a smaller “bending moment.” The plane’s wings would have likely broken off immediately, but since they’re heavy, they probably would have sunk to the bottom of the ocean.

So if the plane nosedived into the ocean, it could have sank somewhat intact and landed belly-up on the ocean floor, according to the research paper.

The ocean’s current would have guided the plane to its resting place at the bottom. Lightweight debris like seat cushions and passenger belongings probably wouldn’t be able to float to the ocean’s surface if the plane’s body sank intact.

The plane stalling from a steep climb, aircraft mechanisms malfunctioning, and the plane running out of fuel could have caused MH370 to plunge into the ocean at a sharp angle, according to the research paper.

Chen and his team created simulations of what the descent might have looked like:

MH370 Malaysia Airlines plane simulation

Texas A&M University at Qatar / Notices of the American Mathematical Society

The plane entering the water at this angle wouldn’t have created the same large waves as an entry at a lesser angle. Big waves would have likely caused more break-up of the plane at the surface.

The animation below shows the supposed distribution of pressure. The paper notes that aviation experts say that how a plane enters the water determines how it breaks up.

MH370 Malaysia Airlines plane simulation

Texas A&M University at Qatar / Notices of the American Mathematical Society

In other scenarios Chen and his team looked at, the plane’s angle of entry would have created bigger waves and more pressure, which likely would have caused the plane to break up more near the water’s surface.

Plane crash simulation

Texas A&M University at Qatar / Notices of the American Mathematical Society

Illustration showing a diving water entry.

Plane crash simulation

Texas A&M University at Qatar / Notices of the American Mathematical Society

Illustration showing a rolling water entry.

Chen and his team concluded that based on the various scenarios they mathematically examined, a nosedive is the mostly likely explanation of what happened to the plane. If the plane had entered the ocean at a different angle, the paper notes, search crews would have likely found debris by now.

1434023992025

Texas A&M University at Qatar/Notices of the American Mathematical Society

“This particular assertion is speculative but forensic,” the paper concludes. The team noted that they based this theory on computed data, aviation precedents, and atmospheric and ocean surface conditions.

The disappearance of MH 370 is one of the most bizarre and tragic aviation mysteries of all time. Investigators have not offered any conclusive explanation as to what happened to the plane after it disappeared from radar.

Australian officials announced last month that teams are expanding the MH370 search area in the Indian Ocean. They said that if the plane isn’t found there, they’re not sure where else to look.

Source….Pamela Engel in http://www.businessinsider.in

Natarajan

Huge Healing Power of Lemons….

Healthy Facts and Uses For Lemons

Lemons are some of the most common citrus fruits in the world, and most of us use them almost every single day. But how much do we really know about lemons? Are we fully aware of just how beneficial they are for us, and how many other ways there are to use them, besides eating?

After reading these 15 facts and uses, you will definitely try to eat more lemons and use them in more creative ways. If you are the kind of person who never liked lemons, despite their rich taste, high vitamin C, antioxidants, B-vitamins, calcium and more, this just might be the thing to change your mind!

lemon

Restoring the pH levels in your body:
The stress of modern life, junk food, pollution, lack of exercise and other toxins we accumulate can throw our body off balance. Although lemons are very acidic, their nutrient content is alkaline-forming and thus helps make our body more resistant to a number of health problems. A cup of warm water with some lemon squeezed in will help you start your day in a healthy way.
Helping with your digestion process:
Lemons are powerfully antibacterial and as such they destroy bad bacteria in your body and allow good bacteria to flourish. The good bacteria help with problems such as indigestion and constipation. A glass of water mixed with the juice of one lemon, or any other means of combining lemons with a large meal, will help stimulate peristalsis and the production of stomach acids that will aid the digestion process.
A helpful dietary aid:
When you’re on a diet, a lemon can be your best friend for a number a reasons. First, it contains Pectin, a fiber that can help you feel fuller and eat less. Thanks to this, a glass of lemon tea before a meal can help prevent overeating. Second, lemon juice happens to be a natural diuretic. This means it helps the body get rid of excess water it doesn’t need through increased urination, this will make you feel less heavy and puffy.

Natural parasite killer:
Parasites and intestinal worms are very hard to get rid of, but there is a key element to getting rid of them that lemons contain. Parasites love acidic environments and drinking lemon juice or eating lemons will make your digestive system a more balanced environment, one that is hostile to parasites.
Natural mouth wash:
If you have bad breath or canker sores, a lemon might be an easy, cheap and simple way to deal with them. Apply fresh lemon juice to the area or gargle just like any other oral care aid. If you have bleeding gums, you can massage freshly squeezed lemon juice to the problematic area and  deal with the bacteria causing all the pain directly.
Relax and increase concentration:
The gentle scent of a lemon has been scientifically proven to have a calming effect. The lemon’s essential oil has the ability to increase your level of concentration and alertness while working or studying, just by enjoying the fresh scent they emit

Exfoliate and renew your skin:
The vitamin C in lemons has a beneficial effect on your skin as well as your body. Many skin care products are high on vitamin C because it stimulates cell renewal by gently exfoliating your skin. By using a slice of lemon as a facial scrub, you will remove stubborn dirt and dead skin from your face and reveal the fresh, clean and healthy layer underneath.
Take better care of your liver:
Herbalists and naturopaths claim that the sourness of lemons signals the body to activate the liver and kidneys, and that the antioxidants in the lemon help enhance kidney and liver function. This enables them to better detoxify themselves and the rest of the body. As previously mentioned, lemons are also a mild diuretic, so they encourage your body to release stored, unused water along with the accumulated waste products flushed out by your liver.
Lower your blood pressure:
The Pectin in lemons can help lower cholesterol that causes high blood pressure. Flavonoids, as well as vitamin P, also serve to strengthen the blood vessels themselves and lower the risk of them being damaged by high blood pressure.

Keep a dandruff-free head:
A simple way to treat dandruff by yourseves is to make a hair mask using lemon juice and other natural ingredients like coconut oil. Use this mask to moisturize your dry scalp, but don’t use it for too long or too often as lemon juice can also lighten your hair color.
Take better care of your feet:
The solution for rough and scaly feet might be right inside your kitchen. The citric acid along with the vitamin C in lemons can take off dead skin, enhance skin renewal, and brighten dark skin areas. Simply soak your feet in some hot water mixed with the juice of 2-3 lemons, 2 tablespoons of olive oil and ¼ cup of milk for about 20 minutes. Your feet will not only be softer than ever but will also smell much better!
A homemade cure for fever and chills:
Lemon tea and lemon juice have long been used as homemade remedies to help lower fever. A cup of lemon tea with honey every few hours should help subside any chill or fever you might have. Of course, if the fever persists – go see a doctor.

lemon tea

Get healthy glowing skin:
Lemons aren’t just used to repair damaged skin, the high levels of vitamin C found in lemons are used by your body to make collagen and elastin. Both are tissues responsible for giving your skin a glowing and youthful appearance. Simply start eating more lemons, or apply lemon juice to your skin, and after a short while you will see the effect.
Pain relief:
The oils found in lemons create an aroma that relaxes blood vessels and reduces inflammation, both key factors in pain relief. If you suffer from sore joints or other inflammatory diseases, drink a glass of lemon water every day and it could help ease your symptoms. Lemon extract can even help alleviate pain caused by sunburn if applied to the skin with water and gently rubbed on the painful area.
A treatment for varicose veins:
Lemons have the ability to strengthen blood vessels, and so can be used to reduce the appearance of varicose veins, making your legs look younger and healthier. Add a few drops of lemon essential oil to a moisturizing oil of your choosing (like jojoba or avocado oil) and rub the mixture on the affected area. Doing so on a regular basis will slowly make the veins disappear from the top of your skin.

Cover image by: SOMMAI / freedigitalphotos.net

Source….www.ba-bamail.com

Natarajan

” Harmful Money Habits….Beware…” !!!

Stop indulging in these before it derails your financial future

Before you start reading this article, please answer these questions:

  • What is the three digit score which is one of the key factors that decides your access to loans or credit cards called?
  • What is the range of this score?
  • What is generally considered a good score by banks and credit institutions for approving loans and credit cards?

Project Chirag

While most of you who have taken a loan or credit card in the past may be able to quickly answer this quiz, some of you may still need help. This 3-digit number is your CIBIL TransUnion Score which ranges from 300 to 900.

This score is calculated based on your credit history as reflected in your CIBIL Report.

Today an individual’s CIBIL TransUnion Score is one of the important factors that banks and credit institutions review before granting a loan or a credit card.

An individual’s CIBIL TransUnion Score provides a Credit Institution with an indication on the likelihood of the individual paying her/his loan or credit card dues on time. Higher the score more favourably the loan application will be viewed by lenders. Most banks and credit institutions today lend to individuals who have a credit score of 750 and above.

Therefore it is essential to maintain a healthy credit score by following disciplined credit behaviour. Here is a list of 5 harmful credit behaviours that can hamper your CIBIL TransUnion Score and derail your financial future:

1. Missing payments on loan installments

Most loan EMIs get auto debited on a set date each month from your linked bank account. Default on the monthly payment will occur if sufficient fund is unavailable in your linked account. Defaulting on loan EMIs is detrimental to your CIBIL TransUnion Score. So ensure you pay your loan EMIs month on month and have adequate funds in your bank account for the loan EMI debit.

2. Delay or default on credit card bill payment

Forgetting to pay your credit card bill on the due date or not paying your credit card bill at all can hamper your credit score drastically. Ensure you set up payment alerts on your credit card bill and make the payments before or by the due date.

3. Settlement on a loan or credit card

Making a settlement on a loan or a credit card is a harmful credit behaviour. If the customer has partly paid the dues and settled a loan or a credit card then the status will reflect as ‘Settled’ in the credit report. It is important to understand that though there will be no impact of the’settlement’ flag on the customers CIBIL TransUnion Score, her/his credit history will show a ‘Settled’ status in her/his CIBIL Report and there will be Days-Past-Due reflecting on the report since the payment on the loan has not been timely.

Each bank has its own policy of viewing at a ‘Settled’ status and will decide on the consumer’s future loan applications accordingly. Therefore it’s best to not ever get into a loan settlement.

4. Exceeding or reaching the limit of your credit card

Spending more than the assigned limit on your credit card or spending close to the limit on the credit card may affect your credit score to some extent. Therefore ensure that you spend well within the limit on your credit card.

 

5. High credit exposure

The total size of your debt reflects on your credit report and has an impact on your CIBIL TransUnion Score. Having many loans or credit cards increases the total amount of debt you owe and increases your credit exposure. High credit exposure may impact your CIBIL TransUnion Score. If you have many loans running ensure that you close some of them so that your total credit exposure is reduced, before you apply for new loans.

Disciplined credit behaviour will automatically ensure that your financial future is safeguarded and you are’credit-ready’ at any point in time.

Illustration: Uttam Ghosh/Rediff.com

Harshala Chandorkar, Sr. Vice President- Consumer Services & Communication, CIBIL 

Source…www.rediff.com

Natarajan