Self Improvement
New Year money tips for your child……..!!!
The over-concerned species that we parents are, New Year is a great time to ensure that we leave our children with something to learn by, says Murad Nathani
It’s the time of new beginnings and new resolutions. While some resolutions fade out in the course of the year, some are successfully carried out; those which stay close to our hearts and which truly make a difference to our lives! So how about starting off the New Year with conversations that can make a difference to your child’s life, in the long run?
I am talking about talking to them on the topic of money in a way that they understand the importance of good money habits early on in their lives. Here is a low-down on the conversations you must have with your child on the big ‘M’:
Understanding Money
The younger your children are, the bigger their demands are. What they lack is a basic understanding of money and which is precisely what they need to learn. No, we don’t want them to become too concerned about money either but let’s say, a hands-on experiential learning would help a great deal.
For starters, a learning tip in this direction would be allowing your child to pay at the toy store or grocery, so that they can see the physical transaction take place, thereby helping them learn the value of a certain amount and what you got them for that amount.
In addition to this, it is essential that they learn, all money spent is money earned in exchange for work and therefore needs to be spent a little more carefully.
Managing Money
Once your child understands the basics of barter and what a certain amount of money can buy them, you can take the conversation a notch higher. A pre-teen or a teenager influenced by peer pressure may come to you not with demands on what they are doing, but rather what their friends are doing. A strong realisation between wants and needs is therefore required at this stage.
As a parent, you don’t want to turn your child down with a straight no, but give them the explanation behind your ‘no’.
Moreover, many parents are from the school of thought that they should give their child what they didn’t get when they were younger. This may however not be the right approach if it is not well-balanced with an understanding of money.
In the conflict of being a parent versus a friend, it is essential that one strikes the right balance. You could work towards an understanding where you make sure what they ask for is relevant at that age or if they can make better use of it when they are a little older. You can also ask them to set a certain goal or target to achieve, either a financial or non-financial goal to help them understand how to achieve something by working towards it.
Smart Money Management
As your child begins to grasp a better understanding of money, the next step is to learn the next level of money management. To learn how to better manage their money as young adults, and learn the art of budgeting and how to spend within a certain limit.
Investments and credit should also become a greater part of their vocabulary here. It’s not anymore only about how much they save and spend, but also about building their own financially independent future.
Remember, the topic of money is not part of their school or college curriculum and hence it is difficult for our children to identify what is the next step for them. For teens especially, it shouldn’t be that they step into college and don’t know what goes where in managing their finances!
Planning at the start of the month along with different needs and requirements corresponding to the amount of money is just one step in this direction, but what about paying back on time, the dynamics of credit?
Or do they know the role of credit institutions and how it could impact their ability in future to get a loan? Decisions made based on a lack of sound financial knowledge can potentially affect the success of a child’s future.
Hence, it is essential that your child is actively involved in the understanding of money management from spending and saving to managing and investing.
Photograph: swister_p/Creative Commons
Murad Nathani is Co-Founder & CEO — Slonkit, first of its kind money management tool that aims to become a guide for today’s digital savvy children, in terms of understanding and managing money
Source…….www.rediff.com
Natarajan
” வாக்குண்டாம் நல்ல மனமுண்டாம் …”
நவராத்ரிக்கு முந்தின வாரம். பெரியவாளை தர்ஶனம் பண்ண ஒரு தம்பதிகள், தங்கள் ஐந்து வயதுக் குழந்தையோடு வந்து நமஸ்காரம் பண்ணினார்கள்.
“பெரியவாகிட்ட ஒரு ப்ரார்த்தனை… கொழந்தைக்கு விஜயதஸமியன்னிக்கி அக்ஷராப்யாஸம் பண்ணணும்… நவராத்ரி டைம்-ங்கறதால ஆத்தை விட்டு வரது கொஞ்சம் கஷ்டம்… கொழந்தை நன்னா படிச்சு, நன்னா வரணும்…. அதுக்கு பெரியவா அனுக்ரஹம் பண்ணணும்…”
பெரியவா தன் முன்னால் அப்பா, அம்மாவைப் போலவே கை கூப்பிக் கொண்டு, அம்மாவையும், தன்னையும் மாறி மாறிப் பார்த்துக் கொண்டு நிற்கும் குழந்தையை கடாக்ஷித்தார்…
“பெரியவாளோட திருவாக்கால, கொழந்தைக்கு எதாவுது வார்த்தை சொல்லித் தரணும்….”
“இங்க வா……”
‘ஸரஸ்வதி’ அழைத்தாள்!
“நா…..சொல்றதை திருப்பி சொல்றியா?…”
“சொல்றேன்..உம்மாச்சி தாத்தா!…”
“சொல்லு….வாக்குண்டாம்!…..”
“வாகுந்தாம்…..”
“நல்ல மனமுண்டாம்”
“நல்ல மனமுந்தாம்”
“மாமலராள் ….”
“மாமலரால் ..”
“நோக்குண்டாம்….”
“நோக்குந்தாம்..”
“மேனி…”
“மேனி..”
“நுடங்காது….”
“நுங்காது…”
“பூக்கொண்டு…”
“பூக்கொந்து…”
“துப்பார்….”
“துப்பார்….”
“திருமேனி……”
“தியுமேனி….”
“தும்பிக்கையான் பாதம்”
“தும்பிக்கியான் பாதம்”
“தப்பாமல்…”
“தப்பாமல்”
“சார்வார் தமக்கு….”
“சார்வார் தமக்கு….”
குழந்தைக்கு கொள்ளை ஸந்தோஷம்! உம்மாச்சித் தாத்தா சொன்னதை, தான் அப்படியே ‘கரெக்டாக’ சொல்லிய பெருமை!
“வாக்குண்டாம், நல்ல மனமுண்டாம்,
மாமலராள் நோக்குண்டாம், மேனி நுடங்காது….
பூக்கொண்டு துப்பார் திருமேனி
தும்பிக்கையான் பாதம்
தப்பாமற் சார்வார் தமக்கு!…..”
மாமலராள் நோக்குண்டாம், மேனி நுடங்காது….
பூக்கொண்டு துப்பார் திருமேனி
தும்பிக்கையான் பாதம்
தப்பாமற் சார்வார் தமக்கு!…..”
“….ஒனக்கு ஔவைப்பாட்டி தெரியுமா?…”
“தெரியும் தாத்தா!…”
“இது….ஔவைப்பாட்டி பாடினது….தெரியுமோ? தெனோமும் சொல்லு….நன்னா படிப்பே!…”
“செரி…தாத்தா!…”
வாய்க்கு கல்கண்டும், ஞானக்கல்கண்டு மலையிலிருந்து உண்மையான நல்லறிவுக்கு கல்கண்டும், குழந்தைக்கு கிடைத்தது!
அப்போது அங்கே சில தமிழ் அறிஞர்களும் இருந்தார்கள். பெரியவா, ஸமஸ்க்ருதத்தை மட்டுந்தான் போஷிப்பார்; ஆதரிப்பார்; என்ற தவறான கருத்து அப்போது பரவியிருந்ததால், இந்த பெற்றோர் வந்து அக்ஷராப்யாஸம் செய்து வைக்க வேண்டி, பெரியவாளிடம் ப்ரார்த்தனை செய்ததும், அங்கிருந்த தமிழ் அறிஞர்கள் எதிர்பார்த்தது…..
“மூஷிக வாஹன மோதகஹஸ்தா…..” என்ற ஸம்ஸ்க்ருத ஸ்லோகத்தைத்தான்! ஆனால், அத்தனை மொழிகளுக்கும் ஆதார ஶக்தியான ‘ஸரஸ்வதி’க்கு மொழி பேதம் ஏது?
“வாக்குண்டாம்…..” என்று பெரியவா ஆரம்பித்ததும், அவர்களுக்கு ஆஸ்சர்யம்! ஸந்தோஷம்!
“பெரியவா கொழந்தைக்கு மட்டும் உபதேஸிக்கல……எங்க எல்லாருக்குந்தான் இந்த அருமையான உபதேஸம்! இனிமே எங்க வீடுகள்ளயும், வாக்குண்டாம்-தான் மொதல் பாடம் !…”
உண்மைதான்! இன்றைய கல்வியறிவு “வாக்குண்டாம்……” ஸ்லோகத்தில் சொல்லிய ஏதாவது ஒன்றையாவது குழந்தைகளுக்கும், பெரியவர்களுக்கும் தந்திருக்கிறதா? என்று மூளையை குடைந்து குடைந்து யோஜித்தாலும், “இல்லை” என்றுதான் ஸத்யமான பதிலாக வரும். இது பெரியவா நம் அத்தனை பேருக்குமே அனுக்ரஹித்த அக்ஷராப்யாஸம்!
இந்த புது வர்ஷத்தில், நல்ல, உயர்ந்த ஸத்யமான வார்த்தைகள், நல்ல தர்மங்களை எடுத்துக் கொண்டு கடைப்பிடிக்கும் தாராள மனது, இந்த ரெண்டையும் அனுக்ரஹிக்க “ஜகத்குரு” காட்டிய விக்னேஶ்வர மூர்த்தியின் பாதங்களை பணிவோம். குழந்தைகள் இதை தினமும் சொல்லி வந்தாலே, மனஸும் ஶுத்தமாகும், அதனால் வாக்கும் ஶுத்தமாகும், தெளிந்த நல்லறிவும் உண்டாகும்.
Source…input from a friend of mine
Natarajan
Message for the Day…” One should see his own faults and not repeat them again …”
What is important is not the acquisition of argumentativeness but the acquisition of single-mindedness, equanimity, and freedom from likes and dislikes. Why does one undertake these spiritual disciplines, this chanting, meditation, devotional singing, etc.? Isn’t it for acquiring single-mindedness and one-pointedness? Once that one-pointedness has been earned, human effort becomes unnecessary; the inner significance of life gets revealed. So those eager to become spiritual aspirants, should not yield to arguments and counterarguments. They should not be enticed by the wiles of bad feeling. They should see their own faults and not repeat them again. They should guard and protect the one-pointedness they have acquired, with their eyes fixed on the goal they are after, dismissing as trash whatever difficulties, defeats, and disturbances they encounter on their path. They must dwell on subjects that would give enthusiasm and joy, and not waste valuable time building up doubts regarding all things, big and small.
Say Good Bye ….
Acceptance is always one of the hardest things we face in life. There are so many things we have to learn to accept on a regular basis, including our flaws, our failures, our disappointments, our regrets, and our mistakes. And as the year draws to a close, I’d like to come to terms with these small things and make sure I let go of them before the new year crashes in. Free yourself from what is keeping you dwelling in the past, and start the year with a fresh motivation to move on. I’m convinced that most of us can relate to some of the following affirmations…
H/T: thoughtcatalogue.com
Source……www.ba-bamail.com
Natarajan
Message for the Day….” For a true devotee, every day is a festival. Consider every minute, every day as new and live in joy.”
 |
|
|
|
” யார் மூட்டை தூக்கி …” ?
(முன்பு நாம் எல்லோரும் ஒரு விதத்தில் மூட்டை தூக்கிகளாக இருந்ததால்தான் இந்த வியாதிகள் வந்திருக்கின்றன. நாம் செய்கிற ஒவ்வொரு தப்புக் காரியமுமாகச் சேர்ந்து மூட்டையாகி விடுகிறது. இந்தப் பிறப்புக்கு முன்னால் இன்னொரு பிறப்பில் தப்புக் கள் செதோம். அதனால்தான் இப்போது இந்த உடம்பு என்கிற மூட்டை வந்திருக்கிறது. இதில் பழைய தப்புகளின் வாசனையும் இருக்கிறது. அதனால்தான் ஆசை, கோபம் எல்லாம் நமக்கு இருக்கின்றன.
அது போவதற்காகத்தான் குழந்தையாக இருக்கும்போது பள்ளிக் கூடத்துக்குப் போகிறோம். அறியாமை என்கிற வியாதி, படிப்பு என்கிற மருந் தினால் போகிறது. )
கல்கியில் வந்த அருள் வாக்கு.
உங்கள் வீடு ஒரு குடும்பம். இதற்கு அப்பாவும் அம்மாவும் தலைவர்கள். உங்கள் குடும்பத்துக்கு நடுவில் பள்ளிக்கூடம் என்கிற ஒரு குடும்பம் இருக்கிறது. உங்களுடன் படிக்கிறவர்களெல்லாம் உங்கள் குடும்பத்தில் உடன் வாழ்கிற சகோதரர்கள் மாதிரி. இந்தப் பள்ளிக் குடும்பத்தின் தலைவர் உபாத்தியாயர் ‘வாத்தியார்’ என்கிற ஆசிரியர். அவரையும் ஓர் அப்பா அம்மாவாக நீங்கள் மதித்து வணங்க வேண்டும்.
பள்ளிக் காலத்தில் உங்கள் கடமை படிப்பது ஒன்றுதான். உங்களுடைய கவனம் முழுவதும் படிப்பதிலேயே இருக்க வேண்டும். மற்ற விஷயங்களிலெல்லாம் நீங்கள் ஈடுபட இது சமயம் அல்ல. வேறு எத்தனையோ நல்ல விஷயங்கள் இருந்தாலும்கூட அவற்றையும் நீங்கள் படிப்பு முடிந்த பின்தான் கவனித்து ஈடுபடலாம். ‘இப்போதே எனக்கு அவற்றில் ஈடுபடச் சிறிது சக்தியும், புத்தியும் இருக்கிறதே; எனவே உலகத்துக்கு நல்லது செய்கிற அந்தச் சமாசாரங்களில் இப்போதே பிரவேசிப்பேன்’ என்று போகக்கூடாது.
சின்ன வயசில் உங்கள் உள்ளத்துக்குப் போதிய சக்தி ஏற்படுகிற முன்பே, படிப்பு தவிர மற்ற விஷயங்களை மேற்கொண்டால், உள்ளத்துக்கு வியாதிதான் உண்டாகும்.
ஏற்கெனவே நம் உள்ளத்தில் ஆசை, கோபம் முதலிய பல வியாதிகள் இருக்கின்றன. முன்பு நாம் எல்லோரும் ஒரு விதத்தில் மூட்டை தூக்கிகளாக இருந்ததால்தான் இந்த வியாதிகள் வந்திருக்கின்றன. நாம் செகிற ஒவ்வொரு தப்புக் காரியமுமாகச் சேர்ந்து மூட்டையாகி விடுகிறது. இந்தப் பிறப்புக்கு முன்னால் இன்னொரு பிறப்பில் தப்புக் கள் செதோம். அதனால்தான் இப்போது இந்த உடம்பு என்கிற மூட்டை வந்திருக்கிறது. இதில் பழைய தப்புகளின் வாசனையும் இருக்கிறது. அதனால்தான் ஆசை, கோபம் எல்லாம் நமக்கு இருக்கின்றன. அது போவதற்காகத்தான் குழந்தையாக இருக்கும்போது பள்ளிக் கூடத்துக்குப் போகிறோம். அறியாமை என்கிற வியாதி, படிப்பு என்கிற மருந் தினால் போகிறது. அதோடு நம் கெட்ட குணங்களும் போக வேண்டும்.
இதற்குப் படிப்பு மட்டும் போதாது. பணிவு வேண்டும். பணிந்து கிடந்தால் கெட்ட குணங்கள் ஓடிப் போகும். தா, தந்தை, ஆசிரியர், தெவம் ஆகியவர்களிடம் பக்தியோடு, படிப்பில் கவனம் செலுத்தி வந்தால் அறிவும் வரும், குணமும் வளரும்.
Read more: http://periva.proboards.com/thread/10842/#ixzz3vxxbQliu
source……www.periva.proboards.com
Natarajan
22 Times in 2015 That Indians made India Proud……….
“…And when all the wars are over, a butterfly will still be beautiful,” wrote Ruskin Bond.
As we approach the end of 2015, it is quite natural to look back and search for the kind of beauty he was talking about – the beauty amidst chaos that helped us throughout the year and also gave hope for the next one. No matter the dark times and the harsh memories, everybody seeks that hope to wake up with each day. And on several occasions this year, India helped us believe in that hope, and in happiness, humanity and pride.
Many times this year, different people and incidents made Indians proud of being a part of this country. Here are the 22 best ones:
1. When a Cab Driver Created a Rooftop Garden on His Taxi:
Mr. Dhananjay Chakraborty, a taxi driver in Kolkata, has a garden on the roof of his cab, and many potted plants in the trunk. He calls his car the green chariot, and it is a great way of promoting the message of green living while driving around the city.
2. When This 11-Year-Old Became the World’s First Visually Impaired News Anchor:
T Sriramanujam, a visually impaired student of Class 5, fulfilled his childhood dream of becoming a TV news anchor. He read his first live news bulletin for 22 minutes with the help of Braille.
3. When Farmers in Rural Maharashtra decided to Become Tech-Savvy and Created a Brilliant WhatsApp Group:
On a WhatsApp group named ‘Baliraja’, over 400 farmers from various villages in Maharashtra are seeking and sharing agriculture advice, connecting with experts in various fields and learning new practices. The group simply rocks!
4. When an Inspiring Ragpicker Spoke at an International Conference
Photo: YouTube
Suman More, a 50-year-old waste picker from Pune, runs a 9,000 member organization named Kagad Kach Patra Kashtakari Panchayat, and has been giving a new identity to ragpickers. This year, she spoke before more than 2,000 experts from across the world at a conference organized by the International Labour Organisation in Geneva.
5. And When This Guy Quit His Job to Fight for Our Right to Drive Without Borders:
Waseem Memon and his group of over 25,000 people are fighting for our right to use our cars all across the country, challenging the existing laws regarding registration. He started the Drive Without Borders campaign to protest against the injustice meted out by road transport officials of various states while checking non-state vehicles.
6. When a Sarpanch in Haryana brought girls into the spotlight with his ‘Selfie with Daughter’ Contest:
Parents across India proudly took pictures with their daughters and sent them to Sunil Jaglan, the sarpanch of Bibipur village in Haryana, who started a WhatsApp contest named ‘Selfie with Daughter’. He received more than 500 entries in just a few days.
7. When this Muslim girl won the Bhagwad Gita Championship and Donated the Prize Money for the Education of Girls
Source: Facebook
Maryam Siddiqui won a Bhagwad Gita competition and was felicitated by many political figures across the country. She politely returned all the money received in the form of rewards, with a note that the money should be utilised for a scheme or something related to providing better education for girls.
8. And Many Beautiful Stories of Communal Harmony Kept our Hopes Alive:
The Muslim man who performed the last rights of his Hindu friend, the Hindus who opened up a Ganesha pandalfor Muslims to celebrate Eid, and the Hindu man who wrote Prophet Muhammad’s biography in Marwari – all helped break the shackles of narrow religious confines.
9. Then Came This Man Who Filled 1100 Potholes with His Pension Money:
Gangadhara Tilak Katnam, a 67-year-old retired Railway employee, quit his job to single-handedly fill up potholes in Hyderabad. He used his pension money to fill over 1,125 potholes in two and half years.
10. And This 13-Year-Old Went to an Orphanage for a Special Purpose:
Nikhiya Shamsher started a project named Bags, Books and Blessings. She collected around 2,500 books, about 150 bags, water bottles, a lot of stationery, and more from the students in her school, and donated all of it to an orphanage in Bangalore. She stood out as an inspiration for many students of her age.
11. When an Engineer Transformed a Railway Station and Amazed Everyone:
Gaurang Damani, an electrical engineer, adopted the King’s Circle railway station in Mumbai and transformed it into a very beautiful and clean place in just four months. Find more about his work here.
12. And ISRO Went on Creating History:
13. When a 17-Year-Old Built a Bridge to Help Slum Kids Reach School:
When Eshan Balbale saw that students in Sathe Nagar had to walk through a 1.5 km long, filthy, sewage-filled stretch to reach school every day, he made a 4-feet-wide and 100-feet-long bamboo bridge for them in just eight days.
14. And Twitterati Helped This Man Who Lost His Source of Income:
65-year-old Kishan Kumar lost his typewriter when a police official kicked it in his attempt to evict footpath dwellers and vendors. When Indians on Twitter came to know about this incident, they simply made sure that he got his typewriter back.
15. When a Cop Jumped off a 20-Feet-High Bridge to Save a Man:
A 24-year-old policeman, Manoj Barahate, did not think of his own life before diving off a 20-feet high bridge to save the life of a man who had jumped into the water during Kumbh Mela. Had it not been for this quick-thinking brave cop, the man would have lost his life.
16. When Karnataka Government Honoured a Transgender:
Of the 60 people who were honoured with the prestigious Karnataka Rajyotsava Award this year, one is a transgender – Akkai Padmashali – who has been fighting for the rights and acceptance of her community for years. This was the first time that a transgender won this award.
17. And This Woman Showed the Way by Inviting Her Maid’s Family Home for Dinner on Diwali:
“It looks like this is the beginning of a beautiful new tradition in our family, which I hope we will only enhance as time goes on. It touched and opened my heart in many ways,” wrote her daughter.
18. When Indian Railways Showed That It Can Deliver – More than Once
All of these tweets were answered, and help reached the passengers in almost no time.
19. And Children Showed That They Can Change the World, Whenever They Want
20. When Bengaluru’s Chinnaswamy Stadium Became the World’s First Solar-Powered Cricket Venue
21. And When These Army Men Gave Their Lives So We Can Sleep Safely in our Homes
22. Finally, When Chennai Showed That All Our Differences Mean Nothing When We’re Fighting Back Disaster
We are all Indians at the end of the day. And we stand by each other.
Source…….www.the betterindia.com
Natarajan
Message for the Day….” Remember the name of God Every minute….”
|
Look at the blossoms in the garden! When the gardener plucks the flowers, the buds exult that tomorrow is their turn to be gathered into the gardener’s hands, and their faces are full of joy when they unfold in that hope. Do they feel any sadness? Do their faces droop? Are they any the less bright? No. The moment they know that the next day is their turn, they make themselves ready with great gusto and excitement. In the same way, you must be ready on the path of spiritual practice! Enthusiastically remember the name of the Lord every minute, without worrying and feeling sad that your turn is tomorrow or because someone died today. For people who transformed themselves into spiritual aspirants, their mind (manas)is Mathura, the birthplace of Lord Krishna), their heart is Dwaraka (Lord Krishna’s playground), and their body is Kashi (holiest land of Lord Shiva). |
Magic Bank Account…!!!
This is really worth reading. I hope you enjoy it.
An interesting perspective – One never might have really looked at it this way –
THE MAGIC BANK ACCOUNT
Imagine that you had won the following *PRIZE* in a contest: Each morning your bank would deposit $86,400 in your private account for your use. However, this prize has rules:
The set of rules:
1. Everything that you didn’t spend during each day would be taken away from you.
2. You may not simply transfer money into some other account.
3. You may only spend it.
4. Each morning upon awakening, the bank opens your account with another $86,400 for that day.
5. The bank can end the game without warning; at any time it can say,“Game Over!”. It can close the account and you will not receive a new one.
What would you personally do?
You would buy anything and everything you wanted right? Not only for yourself, but for all the people you love and care for. Even for people you don’t know, because you couldn’t possibly spend it all on yourself, right?
You would try to spend every penny, and use it all, because you knew it would be replenished in the morning, right?
ACTUALLY, This GAME is REAL …
Shocked ??? YES!
Each of us is already a winner of this *PRIZE*. We just can’t seem to see it.
The PRIZE is *TIME*
1. Each morning we awake to receive 86,400 seconds
as a gift of life.
2. And when we go to sleep at night, any remaining time is Not credited to us.
3. What we haven’t used up that day is forever lost.
4. Yesterday is forever gone.
5. Each morning the account is refilled, but the bank can dissolve your account at any time WITHOUT WARNING…
SO, what will YOU do with your 86,400 seconds?
Those seconds are worth so much more than the same amount in dollars. Think about it and remember to enjoy every second of your life, because time races by so much quicker than you think.
So take care of yourself, be happy, love deeply and enjoy life!
Here’s wishing you a wonderful and beautiful day. Start “spending”….
“DON’T COMPLAIN ABOUT GROWING OLD…!”
SOME PEOPLE DON’T GET THE PRIVILEGE.!
Source….Input from a friend of mine
natarajan
Take off with Natarajan 