Message for the Day…” Love, Equanimity,Rectitude and Nonviolence are the Virtues Expected of a True Devotee …”

Sathya Sai Baba

Some clever people might have this doubt and raise a question: “Can we kill and injure in the name of the Lord, dedicating the act to Him?” Well, how can a person get the attitude of dedicating all activities to the Lord without at the same time being pure in thought, word, and deed? Love, equanimity, rectitude, nonviolence — these are the attendant virtues of the servant of the Lord. How can cruelty and callousness coexist with these virtues? To have selflessness, the spirit of self-sacrifice, and the spiritual eminence required for the dedicatory outlook, one must have first won the four characteristics of truth, peace, love and nonviolence (sathya, santhi, prema, ahimsa). Devoid of these four virtues no one can make any deed a worthy offering at His Feet.

This Couple Found a Surprisingly Simple Way to Tame 120 Aggressive Stray Dogs – Just Feed Them!!!!

Their day starts with cooking. Proceeds to their full-time jobs in multinational companies. And ends after midnight. What’s special? Well, it’s after midnight that they go out to feed the 120 street dogs for whom they cooked in the morning. Meet Anil Prasad and Bismi Anil, a couple whose love for dogs is not just inspiring, it is even helping people in the Whitefield area of Bangalore live in harmony with strays.

It’s after midnight in Whitefield. About 120 dogs are up and alert. They are looking forward to two very special visitors. They know it’s time. Like every night, their guests will soon arrive. A man and a woman, who come with an exciting treat for each one of them. Every single day!

And here they are. Anil Prasad and Bismi Anil – an amazing couple, out on an exceptional mission. They reach at around the same time each day, driving a car that is stacked with lots of food, enough to feed many stray dogs in Whitefield, in and around their apartment complex.

With hearts full of compassion and vessels full of food, they are greeted by the stray dogs like pets greet their owners.

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All the dogs have names: Cathy, Stripe, Socksy, Padmini, Cimba, Runner, Tommy, Bolt, Charlie, Signal, Pointer, Butterscotch, Chotti, Rani, Tiger, and more –

Anil and Bismi, both 40-years-old, have taken up the responsibility of creating a unique environment for dogs and the residents of Whitefield so they can co-exist in peace. They do this in various ways, the most important of which is a feeding program for dogs. And they do it along with managing their full-time day jobs in multinational companies.

“It all started with one dog. Around six years back, there came a stray dog with a dislocated hip to the lane where we live. It was very lean and used to drag itself on the road. We felt that it wouldn’t survive. At that time, our pet dog had a habit of wasting a lot of food. So we started giving some food to this dog as well,” remembers Anil.

With proper food, and the required medical care, the dog started to gain strength. Today, it is hale and hearty and continues to enjoy lovely meals provided by this couple.

Pinky enjoying a meal

Pinky enjoying a meal

But Anil and Bismi did not just stop there. When others dogs from the locality began to join the first one, knowing that food is being provided, they began feeding them too.

“We slowly realised that this was making a lot of difference; both to the health of these dogs and the environment in the community as well. We saw that the welfare of the community animals benefits the community as a whole. So we continued,” says Anil.

Ask him what are these benefits that motivated them to continue, and he explains – “Basically, the biggest issue with stray dogs in a community is their aggression towards pedestrians, small children, people on vehicles, etc. If that is controlled, the residents and the dogs can coexist without any disturbances. And to control it we need to do three things — sterilise them to control the population, make sure they are all vaccinated, and try to educate the residents of the community about how to live with the dogs in harmony.”

Hence, what started as a casual feeding activity for one dog turned into an overall welfare program for 120 dogs.

And it started with just one dog

And it started with just one dog

Over the last three years, the couple has ensured that most stray dogs living in various societies, apartment complexes and communities in Whitefield are neutered, vaccinated and well-fed.

Since feeding and medication were now taken care of, they started talking to people to make them more aware about how well-fed and sterilised dogs won’t be a menace for the society if the residents give them a chance to live without fear.

“All the 120 dogs that we are feeding today are more like pet dogs. When they have medical issues and we take them to the vet, even the doctors are unable to believe that they are street dogs. They are so well behaved and tame now – they don’t bite and only know how to love. Such awareness among animals can be created by making sure that all their needs are met,” narrates the proud dog lover.

The feeding of the dogs takes place at a few fixed locations that the couple has identified within a distance of 10 km from their apartment.

“Dogs don’t travel long distances. They have a 200-300m radius and they are mostly found there. That is their territory. So all those places have the same dogs each day,” says Anil. They have even trained the dogs to respond to a special whistle — they come running when they hear it.

Every morning, at around 6:30 am, they cook a biryani like dish for their street friends. For this, they use about 15 kg rice and 6-7 kg meat waste, which is obtained from the local meat vendors (it includes chicken waste, mutton fat, leftover bones, etc.). Then the two leave for their respective day jobs. In the evening, they put the food in service vessels and go out at around 12:30 at night to feed the dogs. “Dogs can be aggressive when they are being fed. So if pedestrians are watching them while they eat, it can be dangerous. If someone approaches them they can attack. That is why we chose this time when it is peaceful and they won’t be interrupted,” says Anil.

The food is served in biodegradable plates. By the time the dogs finish their meal, the plates are soaked and ready to dissolve.

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The table is set

Another benefit of feeding the dogs is that the couple gets a chance to go close to them and observe if any of them is facing any medical issues. According to Anil, dogs get very aggressive when they are injured or suffering. A skin or ear infection, or any injury somewhere, can make them aggressive and they can bite people.

“We know them so well that it is easy for us to notice if a dog is not well. It is also very easy for us to recognize if a dog is not eating properly. If some dog is eating less that it usually does, we understand that it has a problem. Then we give the required medical attention.”

Anil and Bismi sponsor the whole program themselves. The amount needed to take care of the dogs comes to around Rs. 30,000 per month.

Dinner time. Do not disturb

Half of this goes for the food, and the other half for medical treatment of the dogs. Some of their friends contribute with a few kilograms of rice sometimes. They also get a lot of emotional support from friends and animal lovers across the city.

But their journey has not been a very easy one. Whenever they start working in a new community or society, they face a lot of opposition from the residents who don’t want the dogs to get accustomed to getting food inside their locality. The couple has even been threatened at times. But the two are determined to continue, no matter what.

And the results are visible now. “There is a society near our place. When we went there to begin the program the residents said that they want to get rid of all the dogs, even kill them if required. We sat with them and tried to understand their point of view and realised that they were concerned because the dogs were creating a lot of disturbance in the area. They were biting people, throwing them off their bikes, stealing shoes, etc. Then we took over. Today, the people of the same community want to adopt strays as pets,” says a beaming Anil, who wants to set up a shelter for injured dogs in the future.

Anil and Bismi have shown that it takes no more than a lot of love and some grains of rice to win over the affection of man’s best friend. And that people who are afraid of dogs can learn, with patience and education, how to co-exist with them in harmony.

Man’s best friend

You can contact the couple by writing to them at bismia@gmail.com.

Source….Tanaya Singh …www.the betterindia.com

natarajan

 

6 Amazing Facts About Baripatha – Odisha’s First 100% Solar Powered Village….

Baripatha has become the first village in Odisha to be entirely solar-powered, with an individual solar unit for every household.

After waiting for electricity for several years, lives of the residents of Baripatha, a tribal village in Odisha, changed for the better on Oct. 2, 2015. On this day, Baripatha became the first village in the state to be completely powered by solar energy.

Here are few things to know about the village and this project:

1. Baripatha is located about 25 km southwest of Bhubaneswar. The village has 61 households, and a population of about 350 people.

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Picture for representation only. Photo Credit: Premasagar Rose/Flickr

2. The project cost Rs. 7 lakh and was co-funded by the solar products manufacturer, ECCO Electronics, and the power solutions provider, Jackson Group.

“We requested companies such as Nalco, Ecco Solar and Jackson Solar to help us with the solar project for the village…This model can be replicated all over Odisha to provide power to its nearly 3,900 villages,” senior IPS officer Joydeep Nayak, who is the driving force behind this initiative, told The Times of India.

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Picture for representation only. Photo Credit: Flickr

3. Under this project, individual solar units with two solar home-lighting systems, which also have the facility of charging mobile phones and other devices, have been installed for each of the 61 households in the village.

This is accompanied by a central one-kilowatt unit for the entire village that will be used to power the eight street lamps along with a LED television set and TV set-top box that have been provided to the villagers and have been installed in their community centre.

Picture for representation only. Photo Credit: Flickr

4. The central solar unit has eight panels that can be folded quickly in case of cyclones and high-speed winds that are frequent in Odisha.

The unit can also operate a one-horsepower irrigation pump.

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Picture for representation only. Photo Credit: Flickr

5. What makes the project in Baripatha is that in most rural solar projects, there is a central unit which supplies power to all households.

But that leads to many problems like the exposed cables being tapped by villagers. In this case, some households draw more power than their share, which in turn causes the central line to trip because of overload. Thus, to avoid such issues, individual units have been set up for each household.

Picture for representation only. Photo Credit: Flickr

6. The entire solar project is low cost, low maintenance and community owned.

The only maintenance needed now is the regular cleaning of panels and ensuring that water levels of batteries for the central unit are at the required mark. According to ECCO CEO, Vivek Bihani, the whole village was involved in the planning and execution of the project. “Village mukhia Narayan Hisa along with a local ITI diploma holder, Epil Kumar Singh, are responsible for the maintenance,” he informed.

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Source: YouTube

The project was inaugurated on Friday by the chairman and managing director of National Aluminium Company Limited (NALCO), Tapan Kumar Chand. He, along with the other state officials, distributed the two lighting systems to each household.

Source…..Tanaya Singh….www.the betterindia.com

Natarajan

IISc Students Design Helicopter Which Derives Power from Its Own Blades. Bag Prestigious Award …..

A team of students from Indian Institute of Science bagged a coveted award at the Student Design Competition conducted by American Helicopter Society International. This is what the students had designed.

This August, four students from Indian Institute of Science, Bangalore, won the ‘Best New Entry – Graduate’ award at the Student Design Competition conducted annually by the American Helicopter Society International.

The challenge was to design a small helicopter that can carry packages weighing up to 10kgs and can deliver them in urban settings.

IISc

Source: Facebook 

The eco-friendly aspect of the challenge was that the helicopter should function at a noise level lower than a prescribed limit, with minimal carbon footprint. Team Lakshya, of aerospace engineering department of IISc, came up with two solutions:

  • To deliver lighter packages: A four-blade small helicopter (a quad-rotor, looks like a drone) that derives power from the vibrations of its blades.
  • To deliver heavier packages: A conventional unmanned aerial vehicle

Both the vehicles partly derive power from their blades, thus reducing carbon footprint as compared to helicopters which are fully powered by fossil fuels.

The technology behind using energy from blade vibrations has been developed by the Non Linear Multifunctional Composites Analysis and Design (NMCAD) laboratory of the department of aerospace engineering in IISc. The institute is in the process of getting the technology patented. The team behind the development of this technology was crowned ultimate champion at the 4th edition of UNESCO-Airbus biennial innovation challenge, “Fly Your Ideas (FYI)” at Hamburg, Germany, in June this year.

American Helicopter Society organizes the Student Design Competition in association with other major helicopter companies, and this was the 32nd edition of the competition.

 

“The AHS International annual Student Design Competition challenges students to design a vertical lift aircraft that meets specified requirements, provides a practical exercise for engineering students at colleges and universities around the world and promotes student interest in vertical flight technology,” says that society’s website.

Every year, the organizers choose an open design problem and students have to submit their entries. The jury has academic and well as industry experts.

“It is indeed a proud moment and a wonderful experience to be recognised by the world’s most renowned vertical flight society,” said Rajnish Mallick, a doctoral graduate from IISc, who led Team Lakshya, to The Hindu.

Featured image for representation only. Photo Credit: Lee/Flickr

Source…. Tanaya Singh….www.thebetterindia.com

Natarajan

How One School Used Solar Power to Go from Being an Electricity Consumer to Electricity Producer …

In the small coastal town of Pondicherry, south of Chennai, there is a school that is not only self-reliant in terms of energy but is also sharing the excess it produces with other buildings in the area.

The Sri Aurobindo International Centre of Education (SAICE) in Pondicherry has been operating on green energy since September 2014.

Many schools encourage their students to switch off the fans and lights after use, plant trees and take other initiatives to save energy. However, very few go beyond just asking them to take precautions and save energy. SAICE is different.

This educational institute is self-reliant in terms of energy; it meets all its energy requirements through solar power. Moreover, it produces three times the electricity it consumes and lights up many other buildings with the excess energy.

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Sri Aurobindo Ashram

And it has done so by devising and implementing a project almost entirely on its own.

SAICE is a part of the Sri Aurobindo Ashram in Pondicherry. It was in 2012 that Dr. Brahmanand Mohanty, an alumnus of SAICE, came up with the idea of making the ashram energy efficient with the help of a sustainable model.

“As the Indian economy continues to grow, so will its energy consumption. The country’s primary energy consumption more than doubled between 1990 and 2011. As the demand continues to grow, keeping pace with the GDP growth, the energy sector is struggling to deliver a secure supply of energy,” says Dr. Mohanty, explaining why he thought this move was important. Hailing from Odisha, Dr. Mohanty is currently working as the Visiting Professor at the Asian Institute of Technology, Bangkok, and has been engaged in the area of energy and environment managements since the last three decades.

According to Dr. Mohanty, many rural areas of the country do not have access to electricity. And urban India uses energy-intensive appliances, resulting in electricity shortage.

The entrance of the Sri Aurobindo International Centre of Education

The entrance of the Sri Aurobindo International Centre of Education –

Dr. Mohanty had a vision of developing a system that would make SAICE self-dependent for energy. With this in mind, he had a meeting with the trustees of the Ashram. They gave him the go ahead and even suggested that pilot research activities should be taken up with the active participation of the young teachers and students at the Institute. And then it all began. The whole project was conducted in two phases from 2012 to 2015.

Phase One: The Pilot

The pilot research took place between 2012 and 2014. The idea was to demonstrate that it is possible for an electricity consumer to achieve net-energy positive status (to generate more energy than consumed) by adopting measures to lower the energy demand through energy efficiency and conservation, and producing electricity using solar energy. To begin with, the energy requirements of SAICE were measured, in order to understand the pattern of electricity consumption over a long period of time.

Following this analysis, all inefficient lamps, fans, air conditioners, and computers, which had been in use since a long period of time, were substituted by more energy-efficient alternatives to lower the energy demand by more than 25 percent, without compromising on the quality and service.

Replacement of energy-inefficient appliances by more efficient alternatives

Replacement of energy-inefficient appliances by more efficient alternatives

With a better understanding of how much energy the educational institute was consuming, they came to the decision that a solar power plant should be installed inside the campus so as to meet all the energy demands in-house. Thus, a 17 kWp rooftop solar power plant was set up in the school by an Auroville-based solar installer.

Teachers and students were involved in the entire process right from the start. They helped in the basic wiring, setting up the panels on the rooftop, and more.

aurobindo3

Students of SAICE actively involved in the installation of the rooftop solar power plant. –

“This allowed them to get a better grasp of the working principles of a grid-tie solar power generation system and they also got practical exposure to the various aspects of the solar system to be taken into consideration in order to ensure its proper functioning over a long time frame,” says Dr. Mohanty.

With this solar plant, SAICE evolved from being an electricity consumer to an electricity producer. This research initiative was supported and recognized by the Government of Pondicherry, as well as the Power Grid Corporation of India (PGCI), as part of the pioneering Smart Grid Pilot project being implemented for the first time in India. Smart Grid facilitates a two-way electricity delivery system, that is, integration of renewable energy sources followed by smart transmission and distribution from the renewable source to the nearby consumers.

Thus, after the solar plant was set up, 700 kWh of excess energy was exported back into the power grid during the first month.

A wide-angle photo of the solar panels installed on SAICE rooftop

A wide-angle photo of the solar panels installed on SAICE rooftop –

Phase Two: Giving More than they Take

This phase started after the announcement of the Solar Energy Regulations by the Joint Electricity Regulatory Commission (JERC) for Goa and Union Territories in December 2014. One of the features of this regulation is group net metering. What is that?

“If someone owns more than one property connected to the power grid, it is possible for him/her to install bigger capacity solar plants in one or more buildings and use the excess electricity that is generated to adjust the electricity consumed in other buildings on rooftops where there is no solar installation. For example, the excess 700 kWh that was produced by the rooftop solar system in the school last September could be used by the Ashram to reduce or avoid the payment of electricity in another Ashram building,” explains Dr. Mohanty.

As the Ashram is the owner of many buildings, for its various departments, the school was able to utilise this feature.

Thus, in the second phase, which took shape in March 2015, the rooftop solar power plant was expanded to achieve a cumulative solar power generation capacity of 50 kWp. The plant has now been extended to four buildings inside the ashram complex and it generates an average of 6,500 kWh electricity per month, which is more than three times the present electricity consumption of the school.

The excess then is used for the electricity needs of other buildings of the ashram.

Results of the data from the bi-directional smart electric meter showing how SAICE had become a net electricity exporter after the installation of the 17 kWp solar power plant.

Results of the data from the bi-directional smart electric meter showing how SAICE had become a net electricity exporter after the installation of the 17 kWp solar power plant.

“The main operation of the school is during the daytime and there are limited activities beyond sunshine hours. The electricity produced by the solar plant not only takes care of all the needs of SAICE during the day but also exports 161 kWh of electricity to the power grid. On the other hand, only about 32 kWh of electricity is drawn from the power grid after sunset…This demonstrates how school buildings that are mainly operational during daytime can adopt rooftop solar systems to not only meet their own electricity needs but also assist in bridging the shortfall in the grid supply,” says Dr. Mohanty.

The organization that helped with the development of the power plants also developed a remote monitoring system called Wattmon, which tracks the performance of the four solar power plants, online. It also monitors the voltage, current, power output, solar inverter efficiency, and total electricity produced at any time of the day.

The Ashram already produces its own rice, lentils, vegetable, milk and cooking oil that are needed in the community dining room on a daily basis. This is an added step towards sustainability.

A side-view of the solar panels installed on SAICE rooftop

Noticing the benefits of this system, people at the Ashram and in the nearby places are trying to take suitable steps to gradually reduce their dependence on fossil-fuel fired power plants. More and more students are also keen to learn about how solar energy can be harnessed to serve humanity and they now dream of having a more sunny future.

The entire project cost about Rs. 1 crore and was completely funded by the Ashram itself.

A bird’s-eye-view photo of the solar panels installed on SAICE rooftop with the Indian Ocean in the backdrop

A bird’s-eye-view photo of the solar panels installed on SAICE rooftop with the Indian Ocean in the backdrop

But this, according to Dr. Mohanty, is a profitable deal. Because the cost-benefit analysis of the solar power project shows that the capital investment on the project can be recovered roughly in 10 years from the savings in electricity bills.

“The main message of this research initiative is that those who have access to energy and can well afford it…can also contribute to making the scarce energy resources available for all those who do not have access,” he concludes.

You can contact Dr. Mohanty by writing to him at mohantyb@gmail.com.

Source….Tanaya Singh……www.thebetterindia.com

Natarajan

” கடி”த்துக்கொண்டே சிரிங்க …. ” !!!

 

ஒருவன் 2 நீச்சல் குளங்களை கட்டினான். ஒரு குளத்தில் தண்ணீர் நிரப்பாமலே விட்டான்.  ஏன்னு  கேட்டதற்கு…
அது நீச்சல் தெரியாதவங்களுக்காகப்பா என்றான்Smiling face with open mouth and smiling eyesGrinning face with smiling eyesSmiling face with open mouth and smiling eyes
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மாடு போல சின்னதா இருக்கும்…! ஆனா அது மாடு இல்ல…!அது என்ன?

தெரியலையா?

அது கண்ணுக் குட்டி!

கடவுளே ஏன் என்னை இவ்வளவு அறிவாளியாப் படைச்சே?NecktieCollision symbolSmirking face
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கோடீஸ்வரனாக ஏதாவது மந்திரம் இருந்தா சொல்லுங்களேன்

தெரிஞ்சா நான் ஏன்யா நீங்க கொடுக்கற பத்து அஞ்சு பிச்சைக்கு உக்காந்து ஜோசியம் பாக்கறேன்?Grinning face with smiling eyesGrinning face with smiling eyesGrinning face with smiling eyesSmiling face with open mouth and smiling eyesSmiling face with open mouth and smiling eyesSmiling face with open mouth and smiling eyes
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டாக்டர்! தினமும் ஒரு பச்சை முட்டை சாப்பிட சொன்னீங்க! ஆனால் எங்கள் கோழி வெள்ளை முட்டைதான் போடுது! என்ன செய்ய?Grinning face with smiling eyesGrinning face with smiling eyesGrinning face with smiling eyes
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தலையிலேர்ந்து அடிக்கடி முடி கொட்டுறதுக்கு முக்கிய காரணம்
என்னன்னு தெரியுமா…?

தெரியலையே…. என்னது?

தலையிலே முடி இருக்கிறது தான்…!Grinning face with smiling eyesGrinning face with smiling eyesGrinning face with smiling eyesGrinning face with smiling eyes
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செல்போனுக்கும் மனிதனுக்கும் என்ன வித்தியாசம்?

மனிதனுக்கு கால் இல்லன்னா பேலன்ஸ் பண்ண முடியாது.

செல்போனில் பேலன்ஸ் இல்லன்னா கால் பண்ண முடியாது
Face with tears of joyFace with tears of joyFace with tears of joySmiling Face with Halo
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ஏன்…. தண்ணி தெளிச்சி கோலம் போடுறாங்க தெரியுமா…!

கோலம் போட்டு தண்ணி தெளிச்சா கோலம் அழிஞ்சிடும்ல..!
😴😴😬😬Pouting facePouting face
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டாக்டர்: கொசு கடிக்காம இருக்க இந்த க்ரீமைத் தடவுங்க..!

: அதெப்படி டாக்டர், ஒவ்வொரு கொசுவையும் பிடிச்சி இந்தக் க்ரீமைத் தடவுறது?
Older womanOlder womanOlder womanSmiling face with open mouth and smiling eyesSmiling face with open mouth and smiling eyesSmiling face with open mouth and smiling eyes
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ராத்திரியில சூரியன் எங்கே போகுது?…

எங்கேயும் போகல…., இருட்டா இருக்கிறதால
நம்மால அதை பார்க்க முடியலை!.
😬😬Smiling Face with HaloSmiling Face with Halo
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கடவுளுக்கு நம்மை பிடிக்கலேன்னா டாக்டர்கிட்டே அனுப்புறாரு!

டாக்டருக்கு நம்மை பிடிக்கலேன்னா கடவுள்கிட்டே அனுப்புறாரு!
Face with stuck-out tongue and winking eyeFace with stuck-out tongue and winking eyeFace with stuck-out tongue and winking eye
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சோப் டப்பாலே ஏன் சின்ன சின்ன ஓட்டையா போட்டுருக்காங்க?

ஏன்னா, பெரிய ஓட்டை போட்டா சோப் கீழ விழுந்துடும்!
Face with stuck-out tongue and winking eyeFace with stuck-out tongue and winking eyeFace with stuck-out tongue and winking eyeFace with stuck-out tongue and winking eye
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உங்க ஏரியாவில தங்க வீடு கிடைக்குமா?

ஓட்டுவீடு, அபார்ட்மெண்ட் இப்படித்தான் கிடைக்கும்… ‘தங்க’ வீடெல்லாம் கிடையாது.
😬😬😬😬😬
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ஒரு காப்பி எவ்வளவு சார்?

5 ரூபாய்…!

எதிர்த்த கடையில 50 காசுன்னு எழுதியிருக்கே?

டேய் சாவுகிராக்கி…..அது XEROX காப்பிடா !
Grinning face with smiling eyesGrinning face with smiling eyesPouting facePouting face
————————-Smiling face with open mouth and smiling eyes
Wife : U had lunch ?
Husband : ( in a fun mood )  U had lunch ?
Wife : I’m asking u.
Husband : I’m asking u.
Wife : R u copying me ?
Husband : R u copying me ?
Wife : Lets go shopping.
Husband : I had lunch.Flushed face
Face with stuck-out tongue and tightly-closed eyesFace with stuck-out tongue and tightly-closed eyesFace with stuck-out tongue and tightly-closed eyesFace with tears of joy.

Source…. input from a friend of mine

Natarajan

9 hard truths about money ….your successful friends won’t tell you….

We all have those friends who seemingly cruise through life, never stressing about money or success, and somehow always have plenty of both.

They have retirement plans, businesses and time to climb mountains or run marathons. Basically, they’re really annoying.

For others, failing to save, going deeper into debt and generally stressing about life is the norm. if you’re wondering what those successful friends of yours are thinking — but not saying — about your money habits, keep reading.

1. You need to budget.

You know the guy who you’re always hitting up for money until you get your paycheck? Well, he’s thinking that you would benefit by creating and sticking to a budget. Fortunately, making a budget is as easy as clicking a mouse.

“Find an app or system that works well for you such as Mint, You Need A Budget or just an Excel spreadsheet,” said Kate Holmes, a certified financial planner (CFP) and founder of Belmore Financial. “Import the last few months of all checking, debit and credit card transactions and see where things are at. You’ll likely be surprised by some of the category totals.”

“Ask yourself how much happiness each item brings. You may find some unnecessary spending you can easily cut out,” she said.

Here’s a strategy she recommended: 50% of your take-home pay goes for food, housing and other necessities; 30% for discretionary spending; and 20% toward paying off debt and building savings. Of course, any money-savvy friend will also tell you that making a budget is easy. Staying with it can be challenging.

2. You don’t save enough.

We all want to retire someday, right? Well, the bad news is most of us won’t be retiring in style if we only rely on Social Security benefits to live. The average Social Security recipient in 2014 got only $1,300 a month. Those golden years are starting to look tarnished already.

So what can you do? Save in your workplace retirement plan and take advantage of your employer’s matching program, said consumer finance expert Kevin Gallegos, vice president of Phoenix operations for Freedom Financial Network. He recommended saving 10 percent to 15 percent of your gross pay for retirement. If you can’t swing that, start with what’s manageable for you.

3. You have too much credit card debt.

The financially savvy see credit cards as a convenience, not a bank account from which to draw. The average credit card interest rate stands at 13%, meaning that everything you buy, from dinner out to a flat screen TV, will cost you 13% more if you don’t pay it off immediately.

That’s why a good friend would tell you to avoid using credit cards except in emergencies. “Few, if any, investments will return as much,” said Gallegos. “Having no credit card debt provides a financial cushion itself.”

So the next time you whip out that Visa to fund your latest impulse buy, add in the interest costs and reassess whether it’s really worth it.

4. You never consider the opportunity cost.

Here’s something that most people know but only the financially savvy apply: Every purchase has two costs. One is the price you pay for a product or service. The second is what you’re giving up when you make that purchase, or in other words, its opportunity cost. You bought the shoes but now you can’t afford the dress or that contribution to your IRA this month.

Billionaire investor Warren Buffett often quotes his friend and partner, self-made billionaire Charles Munger, when speaking about opportunity cost. They see their biggest business mistakes as missed opportunities that kept them from making more money. They call them “mistakes of omission.” They didn’t invest in something when they should have, or they weren’t able to because their money was tied up in another investment.

So what will those shoes cost you in the long run?

5. You give up too easily.

If you weren’t born rich, then you will have to work hard for your earnings and adopt a steadfast attitude that could translate into wealth. “Look at every successful person across a wide spectrum of industries and activities,”  said John Mulry, a GKIC certified business advisor. “All had their obstacles, demons and downfalls, but their desire to succeed and ability to overcome was greater than anything else. They were willing to stop at nothing to achieve.”

Most friends don’t want to tell you that you’re a quitter. So you might have to make the hard call, which is something only winners do. Call it the quitter’s paradox.

6. You eat out too often.

Who doesn’t love to stop at Starbucks for morning coffee, then go out to lunch with colleagues, and later grab a get-me-through-this-day Frappuccino? But do you know what you’re brown-bagging friend at the next desk is thinking? “That’s a waste of $25.” One medium Starbucks a day, five days a week, will set you back about $1,100  per year.

Take note: It costs as little as 27 cents to brew a cup of coffee yourself. If you add milk and sugar, the cost climbs to 75 cents. You still just saved more than $900 a year. How does that Starbucks taste now?

7. You don’t have a clear financial goal.

So you have a friend who runs marathons, climbs mountains and made a million before he turned 30. The first thing he’d tell you is that you need a clear goal to accomplish anything and to manage your money.

“It’s very hard to get where you’re going without knowing where you want to go,” said Gallegos. “Similarly, it’s very hard to save without setting goals. Those goals might include retirement, a vacation, a new piece of furniture, a child’s education or time to train for a marathon.”

Whatever the goal, write it down. Then budget for it. If you get stuck, call your buddy who climbed Mount Everest for advice.

8. You need an emergency fund.

Life has a bad habit of throwing curve balls in the form of emergency car repairs, unexpected medical bills, surprise household repairs and so on. Your friends might be thinking, “Does this bozo not expect anything bad to ever happen?”

Whether it’s a job layoff or worse, you want to ensure you can cover all necessary expenses for three to six months, said Holmes.

9. You spend too much on trends.

You know your friend with the iPhone 4, the Old Navy jeans and the stupid TV? She’s wagging her well-funded finger at your trending Apple Watch, $300 jeans and genius TV.

The trick is to cut down on the impulse buys and in general trust your gut. You know when you’re being indulgent. If not, invite that friend with the ancient iPhone when you go shopping.

Another great trick to curb spending, said Gallegos, is to pay with cash. Two things will immediately happen. It will be much more inconvenient and you will get a very real feel for how much you are truly spending. Gallegos cited research that found that people who pay with cash instead of credit or debit cards typically spend 15 to 20% less. That’s retirement savings money, baby.

Keep Reading: Why Dave Ramsey’s Cash-Only Policy Is Genius for Saving Money

Read the original article on GOBankingRates.Copyright 2015.

Source….www.businessinsider.com

Natarajan

Top Ten Positive Words and Expressions…

Positivity is perhaps the most desired of feelings. We feel unhappy because of all sorts of matters, but little do we realize that we’re missing out on something very minor, but extremely profound. It is not only important to be aware of the words we speak, but all the more the ones we don’t.  Add the following positive words to your vocabualry and you will see how they are actually the simplest words you will ever need to remember.

10 Positive Words You Should Be Using More Every Day-

A sense of community forms a large proportion of our overall cause of happiness, and how much we cherish it depends on our actions. When you’re in public, there’s no harm in smiling at people and saying a simple “Hello“, when it’s possible. By doing this, you will be prolonging your social bonds rather than neglecting them.

10 Positive Words You Should Be Using More Every Day-

No one knows what the future holds, but hope is the only thing we have that connects us to it in the most positive way possible. Once we have that, we are more trusting of whatever comes our way, and people will see your optimism shining through from the inside. This also creates good vibes with the people we meet, hence spreading more positivity. Don’t forget to use this word as a key for giving good advice.

10 Positive Words You Should Be Using More Every Day-

Remind yourself that there is  a solution to everything. Nothing is as bad as you think it is – if it diverges from your expectations, it doesn’t mean you won’t work your way through it. Using “good‘ or “great” enhances your sense of positivity, and besides, they surely sound better to people’s ears rather than a frank “but”.

10 Positive Words You Should Be Using More Every Day-

There’s nothing wrong in wondering about stuff. Having thoughts and questions popping up in your head is absolutely normal. Asking “how” means that you are interested in something, you want to learn, and you want to challenge yourself. As long as it is used for good intentions and in reasonable frequencies, this word can make you seem that you’re taking the initiative in something positively, as in for instance: “How does this work?” or “How can I help?”.

10 Positive Words You Should Be Using More Every Day-

Things can not simply be good, they can be much more than that! In this situation, we would want to express our excitement about what is turning out to be great in whatever we are doing. This is why words like “awesome” and “excellent” are vital for one’s daily vocabulary. Remember that everything can be excellent, if we rightfully decide it is so!

10 Positive Words You Should Be Using More Every Day-

Show that you can give a “yes” now and again. This doesn’t mean you should accept everything you come across, but adopting a ‘yes’ attitude towards life and its opportunities will make others realize you have a strong and reliable character. Avoid too much of ‘no’ and ‘I don’t know’ in your answers and decisions – look at the bright side and open your mind to other options – there’s always room for a ‘yes’.

10 Positive Words You Should Be Using More Every Day-

Where has your enthusiasm gone? Have you forgotten how to be awed at something? Idealism is a nasty tendency that blocks the possibility for a meaningful “wow“. Don’t keep looking into how much better something can be, appreciate that it’s already amazing enough and that what is yet to come is something thrilling! Look for the opportunities that make you say ‘wow’ – you’ll realize how many of them we come across every day but never notice.

10 Positive Words You Should Be Using More Every Day-

We sometimes forget to say the most profound word of all. Let people know how important they are to you by saying the special three-word sentence – “I love you“. Very often, we know it deep down but we fail to say it out loud. Love is something that grows, but also something that can be lost terribly quickly. So before you regret it, spread the incredible feeling within you with your friends, family, and partner in life, not only in words, but also in actions.

10 Positive Words You Should Be Using More Every Day-

Appreciation and gratitude are the greatest gifts of fulfillment you could ever give to anyone. Nothing beats a kind feedback like areward and letting someone know they have done something special. When you use “thanks“, people will feel more significant and respected when around you. Maybe you might realize there are some people in your life to whom you owe a big thank you. Let them know this now before it’s too late, and make sure you put a smile on their faces. You will feel lighter and happier yourself upon doing it.

10 Positive Words You Should Be Using More Every Day-

Finally, don’t forget “me“. Remember: it’s ok to think of yourself a little more often. Think of how you are feeling and what makes you feel better. When we reflect with ourselves, we like to look at our flaws. Rather than doing this, create the opportunity to feel good about yourself, observe your improvements and know what your skills and talents are. No one will ever know them better than you do. Apart from this, never forget that in order to make other people happy, you need to find happiness within yourself.

Radiate your happiness now, by sharing these positive thoughts with your dear ones.

Source….www.ba-bamail.com

Natarajan

Joke of the Day…” Porsche Car for $15…” !!!

A fifteen-year-old came home with a Porsche and his parents began to yell and scream, “Where did you get that car?”
He calmly told them, “I bought it today.”
“With what money!?” demanded his parents. “We know what a Porsche costs.”
“Well,” said the boy, “this one cost me fifteen dollars.”
The parents began to yell even louder. “Who would sell a car like that for fifteen dollars!?” they asked.
“It was the lady up the street,” said the boy. “Don’t know her name — they just moved in. She saw me ride past on my bike and asked me if I wanted to buy a Porsche for fifteen dollars.”
“Oh my goodness!” moaned the mother, “she must be a child abuser. Who knows what she will do next? John, you go right up there and see what’s going on.”
So the boy’s father walked up the street to the house where the lady lived and found her out in the yard calmly planting flowers. He introduced himself as the father of the boy to whom she has sold a Porsche for fifteen dollars and demanded to know why she did it.
“Well,” she said, “this morning I got a phone call from my husband. I thought he was on a business trip, but I learned from a friend he has run off to Hawaii with his secretary. Then apparently she stole all his money and stranded him there! Well he called me, without a dollar to his name, and asked me to sell his new Porsche and send him the money. So that’s exactly what I did.”
Source….www.ba-bamail.com
Natarajan

Message for the Day…” Light the Lamp of Spiritual Wisdom to understand the Reality of Life…”

Sathya Sai Baba

One cannot escape from disquiet as long as the fundamental ignorance persists; mere change of occupation, prompted by the desire for more comfort or the need for satisfying some passing likes will not give lasting satisfaction. It is like hoping to improve matters in a dark room by a mere readjustment of furniture. Instead if a lamp is lit, passage across the room is rendered easier even without readjusting furniture. There is no need to interfere with the furniture at all. So too, in this world, it is difficult to move about truthfully, correctly, and peacefully without knocking against some obstacle or other. How then are you to succeed? Light the lamp of spiritual wisdom (jnana)! Let it reveal the reality! That will solve all the difficulties. You may claim that you live according to dharma, but have you evaluated if your acts are done in a spirit of dedication to the Divine? If so, they will authentically be stamped as‘dharmic’.