Mumbai Airport Recruits Trained Therapy Dogs To Bring A Smile On Passenger’s Face…

Airports are exciting places of activity, but at times they also can be overwhelming for some fliers.

Recently, Chhatrapati Shivaji International Airport brought in two legitimate, trained therapy dogs to help ease the stress of travelling.

_0e716024-6cad-11e5-9358-ce0f694bc37c

Mumbai airport is possibly the first in the country to employ animals that would help ease travellers’ anxieties about returning to the skies. Earlier, therapy dogs were used to comfort special children and traumatised adults at US airports after the 9/11 attacks.

 

Goldie and Pepe, trained by the Animal Angels Therapy Centre in Pune, can sense a person’s mood by sniffing them.

_0f34d2f2-6cad-11e5-9358-ce0f694bc37c

Their mission is to put a smile on every passenger’s face they interact with.

 

This is what a Chicago-bound flier who came to bury his dead mother wrote in the feedback form:

“What an amazing and needed facet of airports. After a long painful day at the Mumbai airport, Goldie and Pepe brought ‘humanity’ into an otherwise dehumanising experience.”

 

therapy-dogs_38e5474e-6cad-11e5-9358-ce0f694bc37c

Of course, not everyone is a dog lover. Some people would feel less stressed at an airport if they could cuddle with a cat.

But, let’s admit it, passengers will now have a PAWSitive experience at the Mumbai airport! 🐾

News Source: Hindustan Times

Source….Shuvro  Ghoshal …www.storypick.com

natarajan

How do the Astronauts Sleep in Space….

After months of intense training and a white-knuckled trip through the ozone layer at nine times the speed of a rifle bullet, you can bet that NASA astronauts need to bank some rest.

Space sailors log really long hours throughout their days on tasks that require intense concentration, which is why NASA schedules precisely 8.5 hours of sleep per 24 on deck.

How exactly does ‘nighttime’ play out in space?

astronaut sleeping

Astronauts Pam Melroy, George Zamka, and European Space Agency’s Paolo Nespoli, sleep in their sleeping bags, which are secured on the middeck of the Space Shuttle Discovery while docked with the International Space Station.

Airbus has come up with a crazy way of fitting more people into planes…

The aviation industry is always looking for new ways to get more people into their planes and judging by a new patent filing, Airbus is proposing a pretty radical idea.

The manufacturer of the world’s largest commercial jet, the A380, just filed a patent in Europe for a number of wacky looking seating configurations on its aircraft, creating the potential to jam even more people into planes.

In the patent filing, the company says “in modern means of transport, in particular in aircraft, it is very important from an economic point of view to make optimum use of the available space. Passenger cabins are therefore fitted with as many rows of passenger seats as possible, which are positioned with as little space between them as possible.”

Amongst the range of new configurations is a business class cabin with a mezzanine level.

Passengers on the upper level would have to climb steps to reach their seats. Seats in this configuration would recline flat, allowing passengers to enjoy an airborne version of being in a bunkbed.

Airbus1

Airbus

Another design shows two passengers seated on a mezzanine, face to face, something which business travellers looking to get work done might find particularly helpful!

 

The patents may be designed to save space but Airbus was also keen to stress that the new seats will provide a “high level of comfort for the passengers using the seat arrangement.”

It also said that the seat configurations could be used on trains and buses. One bonus that might come from such cramped conditions is that air fares could get cheaper.

But no matter how unpleasant these planes might look, it seems unlikely that the designs will ever come into use.

Airbus is well known for filing hundreds of patents per year in order to protect its intellectual property and ensure that competitors like Boeing cannot get the upper hand.

Recent patents filed by the company include a jet that could travel across the Atlantic in only one hour.

Source….Will Martin….www.businessinsider.com.au

Natarajan

Two accidents, a wheelchair and a National award….

 

At 22, I had so many dreams — disability was definitely not part of the plan.

“In the Indian society, disability almost always invites sympathy and charity.

“Heck, once a woman gave me 25 paise — just because I was sitting outside a temple and was disabled, she thought I was a beggar!

“This stigmatisation is unshakeable from our mindsets.”

Years ago, a fateful accident overturned Shivani Gupta’s life for the worse. How she bounced back and emerged a winner is an inspiring tale in itself.

Shivani Gupta

Shivani Gupta was a young and independent girl from Delhi.

Having spent most of her life studying in different parts of the country and living by herself, she was one of those buoyant and self-assured individuals with a solid plan and all the commitment needed to see it through.

And sure enough, good things were happening to her.

Graduating from the Institute of Hotel Management, living in the capital, landing a job as a guest relations officer at a five star hotel — for the twenty-something, her life’s best decade seemed to be playing out like clockwork.

Until one night, when she had invited some friends over for a little soiree.

The bunch partied into the night, until it started getting late and was time for everyone to go home.

Shivani volunteered to drop a female friend back to her hotel; but that car ride changed everything.

They met with a massive accident, inflicting a spinal cord injury on the 22-year-old that rendered her quadriplegic.

To say that she bounced back and immediately got her life back together would be a lie, but how grandly she did when she managed to, is a story worth telling.

Identity crisis

An identity crisis was washed ashore with her brand new circumstances.

She knew her life was going to undergo a whirlwind of changes, but she could not foresee just how it would unfold.

“I had no idea what this disability meant, and was absolutely clueless how to deal with it. I did not know what to expect any more.

“At 22, I had so many dreams — disability was definitely not part of the plan.

“Back then, there was zero awareness about dealing with it — so this situation had a disheartening sense of finality. It was a long journey until I felt I could face the world.”

Post the accident, Shivani lost her ideal job back at the hotel.

“Corporates weren’t open to employing people with disability. I was told that there is recession, so they couldn’t continue to employ me.

“I didn’t even know that I had the right to fight for it, that it was even possible. I accepted thinking there really was no alternative.”

Getting back into the game

Soon Shivani saw that she could channelise her need to still be part of the world, into a different hobby.

“I started painting. My hands were paralysed, so by moving them in this light manoeuvers, it proved to be therapeutic.

“I started selling my hand painted art. Wherever I would hear of exhibitions, melas and events, I would show up with my table and collection,” she said.

“I knew for a fact that I wasn’t the best painter — so I always had this dilemma.

“Were people purchasing my stuff because it was good, or merely because I was disabled?

“I couldn’t have lived with the answer if it was the latter, so even before I could find out, I decided to try my hand at something else.”

Around that time, she had the opportunity to join a rehabilitation centre in the UK for two months — to explore the idea of accessibility.

That programme was her first tryst with the concept, and she learnt that she was also entitled to some rights in spite of her physical condition.

Helping others like her find meaning

When she returned from the programme in 1996, she was determined to go all out in spreading the word — for there finally seemed to be some hope.

The Indian Spinal Injuries Centre back then, was still skeletal and in the process of being constructed.

It was an alien concept after all, trying to console a person impaired by injuries.

Shivani joined there as a counsellor to interact with patients in the same situation as her, and continued to do her bit in building hundreds of morales for six years.

“Back then, raising awareness was the need of the hour, for no one was really willing to offer hope to us,” says Shivani.

Her pursuit of normalcy led her to a UNESCAP training programme in Bangkok, at their headquarters.

‘Training in non-handicapping environment’ was the purpose of this seminar, and Shivani learnt how it is not only her right, but the government’s responsibility to grant her the means to compete with the world at an equal footing.

She returned to India and immediately laid the framework to spearhead a series of five workshops for NGOs and governmental representatives from all states of the country.

Even though she laid an elaborate enough plan for the representatives to adopt, nothing from the seminar even found place in discourse for a long, long time.

“This mostly fell apart, because they couldn’t see live examples. Nothing was accessible at all.

“Thus, our attendees didn’t integrate it in their work. There was a much longer training programme and much more commitment required,” explains Shivani.

She co-authored one of the first pieces of literature on the subject, but felt a dearth in her own knowledge as well.

AccessAbility

“I felt like I needed to study further, so I pursued a Masters in Architecture Design in UK from EDEXCEL, and went on to procure a post graduate degree in MSc in Inclusive Environments at the University of Reading, UK.”

With a whole list of tangible solutions, now, Shivani could offer not only a first person’s perspective on disability and the needs that the disabled have — she also helped an organisation with well-researched and expert ideas to implement accessibility mechanisms.

Under the name AccessAbility, she kicked off in 2006.

“Our concentrated work on accessibility engaged in all kinds of things.

“Be it the private sector, hospitality, retail, people wanting to employ disable people, educational institutes — we gave them the entire plan of how they could make their infrastructure and practices disabled-friendly.”

Shivani’s initiative even became a name to reckon with internationally, as she associated with the office of the High Commissioner in Human Rights in Geneva.

Things were starting to look up, and she was finally starting to discover her place in the world again.

Faced with loss yet again

But in 2009 an unexpected turn of events threatened to disrupt, once again, everything she had rebuilt.

Shivani met with another accident, and this one claimed the life of her soul-mate and pillar of strength — her husband.

Her father-in-law was also a victim in the accident.

Deeply disturbed by the loss of her companion, Shivani knew she had to heal herself and keep going.

After all, she wouldn’t have survived two such colossal calamities if she didn’t have a purpose to fulfil in the world.

How she decided to heal, was by writing her first book, No Looking Back — an autobiography.

“Writing about myself had me thinking deeply about so many things, and made me realise that all the answers I was looking for could be found in my own story.

“I learned to make my peace with things I couldn’t control when I wrote about them.”

Winning the National Award for being a role model

Her unwavering resolve resonated with many greats of the country, as she was presented with various honours and awards for never letting go of her spirit — The NCEPRD — Shell Helen Keller Award awarded for her work in increasing employment opportunities for persons with disabilities; the CavinKare Ability Mastery Award for being a role model; the Snowdon Award for Disabled Students, and the Neerja Bhanot Award given yearly to a woman subjected to social injustice, who faces the situation with grit and determination.

In fact, she was also an illustrious recipient of the National Award instituted by the Ministry of Social Justice and Empowerment presented to her by none other than the former President of India — Late Dr APJ Abdul Kalam.

“The most special one to me, amongst these, is the Neerja Bhanot award.

“The entire organising team, upon learning of my condition, arranged for ramps to be put up on their staircases so I could go up to the arena myself.

“Although the ramps turned out to be very steep, I was deeply moved. It was the thought that mattered.”

‘Once a woman gave me 25 paise’

It is not everyday though, that Shivani meets people with such empathy and maturity.

“In the Indian society, disability almost always invites sympathy and charity.

“Heck, once a woman gave me 25 paise — just because I was sitting outside a temple and was disabled, she thought I was a beggar!

“This stigmatisation is unshakeable from our mindsets.

“No one understands that the disability is just one of our many characteristics. Say, if you were to go to Russia and don’t speak the language, you would be disabled in that regard too. But that doesn’t mean you are completely useless. Similarly, we have many abilities too.”

Far from being inept, this woman is iconic — in her optimism, her courage, her unshackled spirit, she is a stalwart for everyone who has had trouble seeing the light.

“Be patient, take life as it comes, and always be thankful,” she concludes.

Source….Binjal Singh….www.rediff.com

natarajan

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.

anil1

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.

anil2

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

 

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

” 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
————————-
மாடு போல சின்னதா இருக்கும்…! ஆனா அது மாடு இல்ல…!அது என்ன?

தெரியலையா?

அது கண்ணுக் குட்டி!

கடவுளே ஏன் என்னை இவ்வளவு அறிவாளியாப் படைச்சே?NecktieCollision symbolSmirking face
—————————
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
—————————
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
—————————
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
—————————
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
—————————
ஏன்…. தண்ணி தெளிச்சி கோலம் போடுறாங்க தெரியுமா…!

கோலம் போட்டு தண்ணி தெளிச்சா கோலம் அழிஞ்சிடும்ல..!
😴😴😬😬Pouting facePouting face
—————————

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
—————————
ராத்திரியில சூரியன் எங்கே போகுது?…

எங்கேயும் போகல…., இருட்டா இருக்கிறதால
நம்மால அதை பார்க்க முடியலை!.
😬😬Smiling Face with HaloSmiling Face with Halo
—————————
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
—————————
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
—————————
உங்க ஏரியாவில தங்க வீடு கிடைக்குமா?

ஓட்டுவீடு, அபார்ட்மெண்ட் இப்படித்தான் கிடைக்கும்… ‘தங்க’ வீடெல்லாம் கிடையாது.
😬😬😬😬😬
—————————
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

Message for the Day…” Time to shed your ego and greed …”

Sathya Sai Baba

Egoism and greed are still rampant; hatred has not abated and envy eats into the vitals of society. There is no dearth of scriptural books telling you how to be free from grief. All sacred and holy books including Gita, Bhagavata and Ramayana are available in all languages at a very low cost and most books are sold in more than thousands of copies per day; but there is nothing to indicate that they have been read and assimilated. The breath of the mouth must give an inkling of the food partaken, is it not? But the habits, the conduct, the character of the readers of these books have not undergone any change for the better. Hence each of you must examine your own mental make-up and evaluate whether you have used your discrimination and worldly knowledge to clothe yourself in detachment (vairagya),so that you do not suffer from attachment to things that will fade away.

 

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