Message for the Day…” You must Hold on to the Name of God Under any Circumstance …”

In the young-of-the-monkey type of devotion, the child must rely on its own strength to protect itself —wherever the mother jumps, the child must attach itself to its mother’s belly and hold on, even if pulled apart! So too, the devotee must stand the tests of the Lord and hold on to His name under all conditions, tirelessly, without the slightest trace of dislike or disgust, bearing the criticism and ridicule of the world and conquering the feelings of shame and defeat. An exemplary example of this type of devotion is Prahlada. In the second path, just as the kitten simply places all its burdens on the mother cat, so too, the devotee completely trusts the Lord and surrenders to Him. The mother cat holds the kitten in its mouth and transports it safely through even very narrow passages. Lakshmana is the example of this path. These two are sometimes referred to as devotion with effort (bhakthi) and self-surrender (prapatti). The former a hard path, while the latter a simple or safe path. 

Sathya Sai Baba

 

Meet Beno Zephine …India’s First Visually Challenged Person in IFS …Read about her Inspirational story…

The inspirational story of Beno Zephine!

Beno Zephine is 25 and she made history when she became India’s first 100 per cent visually challenged person to be inducted into the country’s elite Indian Foreign Service (IFS).

She secured 343rd rank in the 2013-14 Civil Service examination, but had to wait for a year for her appointment, as the government worked out the rules to accommodate her.

Smiling, confident, with strong views on everything, expressed in a strong voice, Beno Zephine is a probationary officer with the State Bank of India currently.

She lives with her father Luke Anthony Charles who works with the Railways and her mother, Mary Padmaja, a homemaker.

Her only brother, Bruno Xavier, works as an engineer in Canada.

This is the inspiring story of how NL Beno Zephine became an IFS officer.

Choosing an unusual name

My parents deliberated a lot on a name for me. Beno means daughter of God and Zephine means hidden treasure.

It’s an unusual name. I thought people would be curious and ask me what it meant, but not many have asked me. I like my name a lot.

A normal, happy childhood

No one in my family made a big fuss about my disability, so it was not a big thing for me.

My first memory is of going to school for the first time. I was very excited. I went to the Little Flower Convent for the Blind.

I had a very happy school life as my teachers encouraged me to do whatever I wanted to.

Public speaking as a UKG student

I was a talkative girl then and I am a talkative woman now.

I gave my first public speech when I was in upper KG; I spoke about Jawaharlal Nehru and won my first prize as a speaker – it was a steel plate.

After that, there was no stopping me. Instead of wishing me good luck, my teachers used to tell me, ‘we know you are going to bring the cup to the school’.

They were that confident about my oratorical skill and I thoroughly enjoyed speaking.

The encouragement from my teachers and their confidence in me led to my success in public speaking.

In the early days, I used to write down what I had to say and then learn it by heart. From the sixth standard onwards, I started speaking extempore. I enjoy it more than preparing a speech and I fared better.

From Jawarharlal to environmental and social issues

I would speak about conservation of wildlife, cancer, etc. My Dad used to get me books and my Mom used to read them out to me and that’s how I prepared for the speeches.

In college I was often made Master of Ceremonies and I loved it.

I enjoyed studies as much as I enjoyed speaking. I enjoyed all the subjects.

Academics wasn’t a burden, it was something I enjoyed. I had no favourites; every subject and every book was my favourite.

Studying English literature in college

After school, I joined Stella Maris College to do my degree in English literature.

I did my post graduation in English literature from Loyola College.

I enjoyed college too. I had no difficulty moving from a blind school to a normal college because at home and outside, no one treated me differently.

That gave me the confidence to face life like any other person.

Probationary Officer with the State Bank of India

As soon as I completed my MA, in 2013, I got a job as a probationary officer with SBI.

I felt empowered and independent. With my first salary, I bought a gold chain for my father and earrings for my mother.

Suddenly I felt I had grown up. That made me happy, but I also felt scared at the responsibility. But, then, that is an inevitable part of life.

I was happy that I was given the important task of NPA (Non performing assets) recovery. I managed to deliver and was called Vasool Rani!

I don’t know why but people think I am very strict. I don’t compromise on the way things have to be done. I assert myself and I value my dignity and also others’.

Wanted to be a civil servant when in the 11th standard

Till I was in tenth standard, my ambition was to become a lawyer or a lecturer.

In the eleventh standard, my dream was to be a civil servant, even though I didn’t know what it could offer me. It was just that I was interested in society and any service that was associated with society interested me.

I didn’t like people wasting water — I used to make a big fuss when someone wasted water. People made fun of me, saying, ‘Here comes the collector.’ That was one of the factors that made me interested in the civil service.

Listening to the radio and reading newspapers

I used to listen to the 9 o’clock news on All India Radio as a child. I would say it helped a lot in my success in the Civil Service Examination.

I was interested in news pertaining to the country. I was interested in economics because I was interested in whatever had a connection to the country.

Water conservation, nature, wildlife, anything that has any relevance to society interests me.

Preparing for the Civil Service Examination

I would scan the books I had to read and then put it into the computer to read. It was not possible to scan each and every book, as you have to read so many books when you prepare for the Civil Service. So my Mom used to read the books to me.

I started preparing for the examination when I was an undergraduate and made my first attempt when I was in my first year of postgraduate study, in 2012.

I couldn’t clear the Mains in my first attempt, though I thought I would.

I was disappointed for a couple of days because I was expecting a lot, but I was not demotivated.

Clearing with a good rank in the second attempt

The next time, I didn’t prepare too much as the foundation I got in the first attempt helped me.

I was not nervous or tense when the results were to be announced. I was curious to know the marks and rank.

I cleared the exam and scored a rank of 343/1022. I was happy.

Getting IFS but not immediately

My choice was the Indian Foreign Service. I was told that the IFS did not accept anyone who was 100 per cent blind.

They had to make some changes in the rules to offer me a position. I don’t know the technicalities, but that was why the procedural delay of one year happened.

Call from the Ministry of External Affairs

When I got the call from the under secretary in the ministry of external affairs to tell me that I had been selected to the IFS, I didn’t jump up and down or break into tears.

I felt responsible. I am happy that I am an emotionally balanced person.

It is good that I have become India’s first 100 per cent visually challenged person to be in the Indian Foreign Service. It gives me responsibility.

I am ready to do anything for my country. I am just clay and the Foreign Service can mould me whichever way they want.

No celebration yet

I haven’t had time to celebrate my selection yet. My friends are angry that I am only speaking to the media for the last four days.

Once all the interviews are over, I will go out with my friends to a restaurant.

Yes, I am a foodie and I love all kinds of food. Though my mother taught me to cook when I joined college, I don’t do any cooking these days. I have become lazy and I don’t get any time to cook, but I would love to cook when I get time.

Want to meet the Prime Minister

I am planning to fax a letter to the Prime Minister thanking him and requesting a meeting with him. I want to take his blessings.

Motivational speaker

Once I joined the State Bank of India and after I passed the Civil Service examination, many schools and colleges started calling me to speak to their students and motivate them.

Generally I tell students that everyone should have a goal in life but I say it differently at different places. I think I do motivate them as people love listening to me.

Do I talk about my disability and tell them that I achieved this despite my disability? It depends on the audience. If they are small children, I don’t talk about my disability at all as they will not understand it. To college students, I definitely talk about my disability.

It is not a matter of liking or not liking my disability to be referred to. It is just a fact.

I never think about my disability at all; I talk about it randomly.

At home, I was never treated as a disabled person; I am like any other person.

I don’t like being treated as a disabled person. Those who are close to me know that I don’t like sympathy.

I like to be treated like any other human being.

I talk to people quite normally and generally people respond quite normally and not with sympathy.

I am often asked what challenges I have faced in life. I can’t think of any huge challenge. Maybe I am blessed.

Thoughts on India

I look at India quite positively. We had to overcome several challenges because of the population and we have achieved so much despite all the problems.

We have this habit of looking only at the negative things. We are patriotic only when we watch cricket or when Pakistani forces are on the border.

We are not patriotic when we throw paper on the road or exploit the resources of the country.

Instead of pointing to this problem and that problem, every single person has to realise that the problem is within one self.

I don’t think changes can come overnight; they will come gradually.

It took hundreds of years for America to be what it is now. Why is it that everybody wants everything to be so good in India in such a short span of time?

Message to youngsters

Instead of moaning about what you do not have, use the resources we have. Then, those resources will create further resources.

Challenges do come, but face them and devise your own strategies.

Understand your strengths and weaknesses, only then will you be able to strengthen your strength and weaken your weakness.

It is very important to read newspapers and understand what your country is doing. If you do not do that, you do not have the right to criticise the country.

Dreams

 

I am a very positive person. My dreams are short term.

I create dreams and fulfil them and move on.

If there is an opportunity, I will be the first person to take it.

I don’t have any dream for myself now, but my dream for my country is to see India developing, and I see it happening.

Credits…Photographs: Sreeram Selvaraj

Shobha Warrier / Rediff.com 

Source….www.rediff.com

Natarajan

Message for the Day….” Offer unto the God , the Flower of Your Heart {Hrudhya Pushpam}…

 

Lord Krishna incarnated to destroy evil in a handful of individuals. But now, the evil qualities are not identifiable in a small group of people. They are widespread everywhere. The scorpion has poison only in its tail; the cobra only in its fangs; but people have poison all over them! They have it in their eyes, their tongues, their mind, their intelligence, their gait, their brain – just about everywhere. You may ask, “Oh! When will this poison be counteracted and destroyed?” When the Lord enters your heart, that is the very objective He will accomplish. Offer unto the Lord, the ‘flower of your heart’ (Hrudaya Pushpam),after cleansing it thoroughly of the dust and pests (desire, anger, envy, doubt, etc.) that infest it. Without effort, can there be victory in any field? Can you become a high ranking official without the appropriate qualifications of scholarship, talent, experience and wisdom? So persevere and succeed! 

Sathya Sai Baba

” What LIFE on Mars would be …” ?

Could

IN A quest to see if people could survive living on Mars, NASA sent six scientists to Hawaii for eight months in an enclosure that simulates the conditions of life on the Red Planet.

This meant that fresh air, sunshine and fresh food were all off the table. The only food available was anything that could be freeze-dried. If they wanted to talk a short walk outside their 11-meter diameter dome, they even had to chuck on a space suit.

They were monitored by surveillance cameras, body movement trackers and electronic surveys.

Last week the crew were finally free to leave their Mars dome.

The scientist’s home for eight months.

The scientist’s home for eight months. Source: AP

Crew member Jocelyn Dunn told AP it was awesome to feel the sensation of wind on her skin.

“When we first walked out the door, it was scary not to have a suit on,” said Dunn, 27, a doctoral candidate at Purdue University. “We’ve been pretending for so long.”

The dome’s volcanic location, silence and its simulated airlock seal provided an atmosphere similar to space. Looking out the dome’s porthole windows, all the scientists could see were lava fields and mountains, said University of Hawaii professor Kim Binsted, principal investigator for the study.

Tracking the crew members’ emotions and performance in the isolated environment could help ground crews during future missions to determine if a crew member is becoming depressed or if the team is having communication problems.

“Astronauts are very stoic people, very level-headed, and there’s a certain hesitancy to report problems,” Binsted said. “So this is a way for people on the ground to detect cohesion-related problems before they become a real issue.”

Spending eight months in a confined space with six people had its challenges, but crew members relieved stress doing team workouts and yoga. They were able to use a solar-powered treadmill and stationary bike, but only in the afternoons on sunny days.

“When you’re having a good day its fine, it’s fun. You have friends around to share in the enjoyment of a good day,” Dunn said. “But if you have a bad day, it’s really tough to be in a confined environment. You can’t get out and go for a walk … it’s constantly witnessed by everyone.”

Could we be living on the Red Planet soon?

Could we be living on the Red Planet soon? Source: AP

The hardest part was being far away from family and missing events like her sister’s wedding, for which she delivered a toast via video, Dunn said. “I’m glad I was able to be there in that way, but … I just always dreamt of being there to help,” she said.

The first thing crew members did when they emerged from the dome was to chow down on foods they’ve been craving — juicy watermelon, devilled eggs, peaches and croissants, which was a step up from the freeze dried chilli they’d been eating.

Next on Dunn’s list: going for a swim. Showers in the isolated environment were limited to six minutes per week, she said.

Next on Dunn’s list: going for a swim. Showers in the isolated environment were limited to six minutes per week, she said.

“To be able to just submerge myself in water for as long as I want, to feel the sun, will be amazing,” Dunn said. “I feel like a ghost.”

Source…news.com.au

Natarajan

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

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

” 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

Message for the Day….” When You have Faults within , The whole world appears Faulty…”

 Sathya Sai Baba

If you wear blue eyeglasses, you see only blue, even though Nature is resplendent with many colours. If the world appears to you as full of differences, that is due to the fault within you. If all appears as one love, that too is only your love. The feeling within is the root cause. When you have faults within, the world appears faulty. When there is no knowledge of fault in yourself, no fault can be found even by search, for you wouldn’t know which are the faults. Now the question may arise whether the Lord Himself has faults as He also searches for faults. No, the Lord searches only for goodness. He won’t examine the wealth, family, caste, status, or gender. He sees only the righteousness (sadbhava). He considers those endowed with such righteousness as deserving His grace, whoever they are, whatever they are. Therefore, develop goodness. Live and act in joy and love. These two are sufficient; with them, salvation can be attained without fail.