Golden Rules For Golden Years …!!!

Rules For a Good Old Age

Some of us have reached our golden years, and some of us have not. But these suggestions should be read by everyone. They have been collected from many a senior, each with his or her own piece of advice. Some you know, some may surprise you, and some will remind you of what’s important. So read well, share with your loved ones, and have a great day and a great life
older couple
1. It’s time to use the money you saved up. Use it and enjoy it. Don’t just keep it for those who may have no notion of the sacrifices you made to get it. Remember there is nothing more dangerous than a son or daughter-in-law with big ideas for your hard earned capital. Warning: This is also a bad time for an investment, even if it seems wonderful or fool-proof. They only bring problems and worries and this is a time for you to enjoy some peace and quiet.
2. Stop worrying about the financial situation of your children and grandchildren, and don’t feel bad spending your money on yourself. You’ve taken care of them for many years, and you’ve taught them what you could. You gave them an education, food, shelter and support. The responsibility is now theirs to earn their own money.
3. Keep a healthy life, without great physical effort. Do moderate exercise (like walking every day), eat well and get your sleep. It’s easy to become sick, and it gets harder to remain healthy. That is why you need to keep yourself in good shape and be aware of your medical and physical needs. Keep in touch with your doctor, get tested even when you’re feeling well. Stay informed.
4. Always buy the best, most beautiful items for your significant other. The key goal is to enjoy your money with your partner. One day one of you will miss the other, and the money will not provide any comfort then, enjoy it together.
5. Don’t stress over the little things. You’ve already overcome so much in your life. You have good memories and bad ones, but the important thing is the present. Don’t let the past drag you down and don’t let the future frighten you. Feel good in the now. Small issues will soon be forgotten
older couple
6. Regardless of age, always keep love alive. Love your partner, love life, love your family, love your neighbor and remember: “A man is not old as long as he has intelligence and affection.”
7. Be proud, both inside and out. Don’t stop going to your hair salon or barber, do your nails, go to the dermatologist and the dentist, keep your perfumes and creams well stocked. When you are well-maintained on the outside, it seeps in, making you feel proud and strong.
8. Don’t lose sight of fashion trends for your age, but keep your own sense of style. There’s nothing worse than an older person trying to wear the current fashion among youngsters. You’ve developed your own sense of what looks good on you – keep it and be proud of it. It’s part of who you are.
9. ALWAYS stay up-to-date. Read newspapers, watch the news. Go online and read what people are saying. Make sure you have an active email account and try to use some of those social networks. You’ll be surprised which old friends you’ll meet. Keeping in touch with what is going on and with the people you know is important at any age.
10. Respect the younger generation and their opinions. They may not have the same ideals as you, but they are the future, and will take the world in their direction. Give advice, not criticism, and try to remind them of yesterday’s wisdom that still applies today.
11. Never use the phrase: “In my time”. Your time is now. As long as you’re alive, you are part of this time. You may have been younger, but you are still you now, having fun and enjoying life.
12. Some people embrace their golden years, while others become bitter and surly. Life is too short to waste your days on the latter. Spend your time with positive, cheerful people, it’ll rub off on you and your days will seem that much better. Spending your time with bitter people will make you older and harder to be around.
old woman
13. Do not surrender to the temptation of living with your children or grandchildren (if you have a financial choice, that is). Sure, being surrounded by family sounds great, but we all need our privacy. They need theirs and you need yours. If you’ve lost your partner (our deepest condolences), then find a person to move in with you and help out. Even then, do so only if you feel you really need the help or do not want to live alone.
14. Don’t abandon your hobbies. If you don’t have any, make new ones. You can travel, hike, cook, read, dance. You can adopt a cat or a dog, grow a garden, play cards, checkers, chess, dominoes, golf. You can paint, volunteer at an NGO or just collect certain items. Find something you like and spend some real time having fun with it.
15. Even if you don’t feel like it, try to accept invitations. Baptisms, graduations, birthdays, weddings, conferences. Try to go. Get out of the house, meet people you haven’t seen in a while, experience something new (or something old). But don’t get upset when you’re not invited. Some events are limited by resources, and not everyone can be hosted. The important thing is to leave the house from time to time. Go to museums, go walk through a field. Get out there
16. Be a conversationalist. Talk less and listen more. Some people go on and on about the past, not caring if their listeners are really interested. That’s a great way of reducing their desire to speak with you. Listen first and answer questions, but don’t go off into long stories unless asked to. Speak in courteous tones and try not to complain or criticize too much unless you really need to. Try to accept situations as they are. Everyone is going through the same things, and people have a low tolerance for hearing complaints. Always find some good things to say as well.
older couple
17. Pain and discomfort go hand in hand with getting older. Try not to dwell on them but accept them as a part of the cycle of life we’re all going through. Try to minimize them in your mind. They are not who you are, they are something that life added to you. If they become your entire focus, you lose sight of the person you used to be.
18. If you’ve been offended by someone – forgive them. If you’ve offended someone – apologize. Don’t drag around resentment with you. It only serves to make you sad and bitter. It doesn’t matter who was right. Someone once said: “Holding a grudge is like taking poison and expecting the other person to die.” Don’t take that poison. Forgive, forget and move on with your life.
19. If you have a strong belief, savor it. But don’t waste your time trying to convince others. They will make their own choices no matter what you tell them, and it will only bring you frustration. Live your faith and set an example. Live true to your beliefs and let that memory sway them.
20. Laugh. Laugh A LOT. Laugh at everything. Remember, you are one of the lucky ones. You managed to have a life, a long one. Many never get to this age, never get to experience a full life. But you did. So what’s not to laugh about? Find the humor in your situation.
21. Take no notice of what others say about you and even less notice of what they might be thinking. They’ll do it anyway, and you should have pride in yourself and what you’ve achieved. Let them talk and don’t worry. They have no idea about your history, your memories and the life you’ve lived so far. There’s still much to be written, so get busy writing and don’t waste time thinking about what others might think. Now is the time to be at rest, at peace and as happy as you can be!
AND REMEMBER: “Life is too short to drink bad wine.

Photos courtesy of Ambro, Stockimages / freedidigitalphotos.net

Source: Tony L. in http://www.ba-bamail.com

Natarajan

A Solution to Bringdown Noice Level ….Amsterdam Airport Shows the Way…!!!

Noise is an issue at many airports, including Amsterdam’s Schiphol Airport.

Noise is an issue at many airports, including Amsterdam’s Schiphol Airport. Source: Getty Images

TWO years ago, Dutch land artist Paul de Kort was given a tough brief.

Administrators at Amsterdam Airport Schiphol (AMS) had long been looking to address the levels of aircraft noise that affected those living near the airport.

So, taking inspiration from the ground, de Kort created a landscape that has had a significant effect on dampening the roar of planes for those living near one of the world’s busiest airports.

But long before de Kort broke ground, researchers from the Netherlands Organization for Applied Scientific Research (TNO) had already been studying the noise level at AMS. They noticed that in the fall, after the fields surrounding the airport had been ploughed, noise levels decreased significantly.

It turns out that the furrows created by ploughing helped to absorb, deflect and mute aircraft noise.

This airport idea is genius

The labyrinth design. Picture: Schiphol Group Source: Supplied

Working off these findings, de Kort collaborated with architectural firm H+N+S Lanscapearchitects and scientists from the TNO to create Buitenschot Land Art Park.

Located to the southwest of AMS, just off the edge of the runway, this huge green space is laid out in an interlocking system of ditches and trenches.

While its primary purpose is to dampen the ground noise created by passing aircraft, the park also features bike paths, sports fields and even sculpture to create a space that is both functional and aesthetically pleasing.

To create this mazelike park, de Kort also drew heavily on the past and was particularly inspired by the work of Ernst Chladni, a 17th century German physicist. The scientist’s Chladni patterns served as the inspiration for the furrows and ridges now seen at AMS.

Completed in October 2013, this collaborative project has since been viewed as a renowned success. The creation of Buitenschot had an immediate effect, cutting the decibel level of aircraft noise down by half, the Smithsonian reported. And it has continued being a success since then.

De Kort, however, has one regret. Speaking to Hansman, he explained that, “The ground sound spreads behind the plane that’s taking off, so in fact you fly away in the other directions. You won’t be able to actually see the area from the air.”

Amsterdam’s Schiphol airport is one of the world’s busiest.

Amsterdam’s Schiphol airport is one of the world’s busiest. Source: Getty Images

For more travel updates go to FlyerTalk.com.

Source…www.news.com.au

Natarajan

Meet Anirudh Prasadh ….From Mumbai to Kolli Hills , Tamilnadu on a Mission …

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.


A chemical engineer, Anirudh Prasadh gave up his high-paying job to work for welfare of farmers in the remote villages of Tamil Nadu.

Anirudh Prasadh with kids in the village .

For the Malayalar community of farmers in the remote Kolli Hills region of Tamil Nadu, 26-year-old Anirudh Prasadh has been a catalyst for change.

He has been able to push the humble millet crop they have been cultivating for years together without significant profits into a much sought-after value-added natural health product.

In the process, the farmers are not only earning more, but will also learn to use new age marketing tools like e-commerce and online marketing to distribute this product as an exclusive brand grown from this region to places outside the state.

Millet cultivation in the village

Anirudh with the support of the MS Swaminathan Research Foundation has ushered in a small millet revolution in the Kolli Hills, promoting the cereal as a cure for a host of ailments arising out of calcium and iron deficiency.

For the past 4 years, farmers in this region have been selling products made with millet with lesser profits.

Earlier products that were not packed attractively

The bad packaging and unattractive stickers on the packets made it difficult for them to sell the products for maximum profit. They were spending Rs 6-8 per unit for just packaging, resulting in significant losses.

“We have now designed new logos, introduced attractive stickers and the products run on a common theme, making the organically grown products very appealing,” says Anirudh.

Products now packed attractively ready for sale

Anirudh has been able to get the collective support of all farmers to unite towards making the business of value added millet products a success.

The farmers’ cooperative society, Kolli Hills Agro Biodiversity Conservers Federation (KHABCoFED) has become very active. They will now market products with a new look.

The price of packaging has also been reduced by 40-50 per cent ensuring better profit for the farmers.

Presently, the products are available across 35 organic shops run by MSSRF in Namakkal, Trichy, Coimbatore etc. After the packaging was made attractive, there has been a rise in demand for these products.

Talks are planned with super markets and duty-free shops in Tamil Nadu and Kerala to stock these products from the Kolli Hills. A website with the list of products and facility to order the products online is also being worked out.

My work now is to teach them how to market their products, ensure quality control processes, teach them accounting and maintain manuals on products. We have also readied a booklet of millet recipes to promote millet eating in the right way. People here suffer from skin ailments, back problems and face issues of calcium and iron deficiency. With the help of doctors, we have conducted an awareness campaign among the locals to eat millets in different forms so as to keep such kind of illnesses at bay,” explains Anirudh.

For Anirudh who was brought up in Mumbai, life in Kolli Hills has been an enriching experience.

“After I did my Masters in Chemical Engineering from the School of Chemical Engineering and Analytical Science, University of Manchester, I returned to Mumbai and worked with Hindustan Dorr-Oliver on a national project. But the inefficiencies in the system and the innumerable delays to get the project implemented were very frustrating. I realised that I was wasting my time when I could utilise it for productive purposes. I had friends who were working in the development sector and it was inspiring to see their work. So I quit my job much to the initial opposition of my parents and took up the SBI Youth for India fellowship,” says Anirudh, who is enjoying a satisfying stint helping farmers, children and women across 4 villages in Kolli Hills.

The first day’s journey up the hill in a crowded transport bus was memorable for Anirudh. People in the village were very curious to know about him and they thought it was crazy to leave a city and come to work in the remote village.

The initial hiccups were not as bad as he had expected. He is thankful for being a changed person now.

“It only took a couple of days to realize that lack of continuous water supply, and unwanted visitors – insects of all shapes and sizes – at all times would be a usual occurrence and something we just have to get used to,” says Anirudh.

Being cut off from the rest of the world has proved to be beneficial, feels Anirudh. He doesn’t miss city life anymore. “Life is so peaceful, satisfying and I have more time to read books and discover myself,” he says.

The main problem villagers face here is lack of awareness. “They have the right skills, products and marketing options but there is no one to guide them. Most of the farmers are shy, women too were very reserved and would not like to talk about their problems. Once, they started noticing how the product packaging changed, more people understood what we were trying to do. Now they are more pro-active and we hope to make the federation a very active venture.”

Besides conducting health and hygiene camps, Anirudh along with Gautam Jayasurya, organised computer literacy classes for farmers. They were given basic lessons on Word, Excel, and accounting. The farmers have also been given training to take up the role of mentors for others so that they can train others.

“The nearest town is 30 kilomteres away so it’s difficult for people to travel this distance for basic things. They will now make use to the Internet facilities to pay bill, for surfing and checking mails etc. The product packs too have an e-mail id now to register customers’ feedback. The villagers are also being taught to draft letters that they can use to avail benefits from the government.

Anirudh’s small initiatives have made a lasting impact here.

“I installed Tippy Taps in schools with small cans. Since water supply was erratic, kids would eat without washing their hands. Now they keep themselves clean. Seeing this initiative, other villages are also keen to implement it,” says Anirudh.

Village life has taught him to live with basic amenities. The simplicity and helping mentality of the villagers has been encouraging. “Villagers are willing to help us in every way possible. We were late risers in the initial days and missed out on the water supply. Our neighbours made it a point to store water in a couple of buckets for us, and till today continue to find ways to help us,” he says.

As a homogeneous community, the farmers live in harmony. They exchange food and grains among community members. They do farming together, it’s all a collective effort

Anirudh plans to continue working in the development sector. “I am happy with work now and am eager to do more. I would like to work in the public policy making. There are lot of schemes that are beneficial to villagers but they have no idea about how it works or how it can impact them. I would like to see villagers getting what they truly deserve from the government,” he says.

For rural India to come up, educated people in urban India should first stop calling them ‘rural’, believes Anirudh.

“They just need the right kind of opportunities and information to come up in life. Instead of taking up a job immediately after education, youngsters should devote at least 6 months of their time to work at the local level in villages. Government agencies don’t consider the aspirations of the people while making policies. We need to collect more data to form better policies for the upliftment of the people living in villages,” Anirudh explains.

To know more about Anirudh’s work, you can mail him atanirudhprasadh@gmail.com

If you wish to join the movement to bring about a change in rural India or would like to contribute in any way, you can send a mail to shuvajit@youthforindia.org

Manu A B

Source….www.rediff.com

Natarajan

Meet Shriya Rangarajan… From Illinois to Village Jawhar in Maharashtra…!!!

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

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

After doing her Masters in Urban Planning from the University of Illinois at Urbana-Champaign, Shriya Rangarajan is now working on improving the living conditions of tribal women in remote villages of Maharashtra.

Shriya Rangarajan in Jawhar.

Shriya Rangarajan has come a long way from the comforts of the western world to a remote village in Maharashtra where people struggle to make both ends meet and live in sub-human conditions.

Struck by the poverty and desolation of the villagers in Jawhar in Thane district — many of whom are really talented in arts and craft — Shriya is now training them to create beautiful pieces of paper-quilled jewellery as a better source of income.

She is already in touch with online stores and other retailers who have expressed their willingness to provide a platform for selling these products.

Shriya (centre) trains women to make jewellery.

Shriya did her BTech from NIT, Warangal, and then pursued her Masters in Urban Planning from the University of Illinois at Urbana-Champaign after which she chose to come back and join the movement to build a better India. The country’s myriad problems have been a trigger for her to work in the rural development sector.

Instead of being in a cushy corporate environment, she looked forward to an experience in rural India to understand its pulse and take small initiatives that may help those who are untouched by development.

The SBI Youth for India fellowship, which she won, was one of the best platforms for a stint in remote parts of the country. She was assigned a project in Jawhar, Maharashtra, a predominantly tribal area where she has been working with the support of an NGO, BAIF.

Shriya found that women in Dhanoshi and Nandgoan villages, who lived on meagre earnings from agriculture and daily wage labour, were keen on an alternate source of income.

Being largely unskilled and given their poor levels of literacy, there were not many options open to them. Sriya started by teaching them simple jewellery making through paper quilling as well as basic maths and financial training.

Though I tried to teach them to make terracotta jewellery which they had initially expressed an interest in, it was too tedious and time-consuming since many of them have small kids too. Then I switched to paper quilling. They expressed greater interest in this, it was supposed to be just for practice but which they found way easier. I also taught them some basic maths like profit-loss as well as record-keeping as it was is essential for them to learn to sell their products,” says Shriya.

As most many of the women only had basic literacy levels, it was a daunting task to make them understand even simple maths. But they turned out to be very good at jewellery-making. They could see the designs and pick up the skill fast, were willing to experiment, and created a number of designs of their own after being trained. They ended up making fine pieces of jewellery, which were well received at exhibitions.

I have initiated talks with an online store, which has agreed to buy products made by these women. I am also looking at building marketing linkages for their products in cities. Currently, they are available at a local Warli artist’s store in Jawhar,” says Shriya.

A full day’s wage for a woman labourer is just Rs 100 while net household incomes are often less than Rs 3000-4000 a month. With Shriya’s project coming through, she wants to make sure that each woman gets at least Rs 40 per hour’s work. As a part of their exposure to the world outside, Shriya took six members of the self-help group to Mumbai to meet the suppliers of goods.

It was a great experience taking them by local trains. It was a bit scary because I was sure I would lose one of them by the end of the day, but funny as well. A couple of them who had never been to the city were awestruck by Mumbai. Once I told them how to talk with shopkeepers and suppliers, they quickly learnt how to deal with them, collect business cards and talk through the supply details with relevant questions,”says Shriya.

With Shriya’s support, the women participated in two exhibitions of their products.

Earlier, Shriya also had made an attempt to mobilise Warli artists to make them understand the value of art exposure. Warli art, which was originally initiated by women, now seems to be dominated by the men.

Warli paintings have a unique story to tell but most of the printed motifs used in textiles and other products etc do not convey the real story. I travelled across 25 villages and made a database of all the Warli artists I could find, but it was really difficult to convince them to work together. If they stay united and get better commercial exposure it will benefit the entire community,” says Shriya.

The pace of development in India is very slow, laments Shriya, and the everyday struggles of people living in this area seem to have no end.

Everyday women and children spend hours carrying water across two-three kilometres. It is heartbreaking to see the drudgery. Toilets and bathrooms built in the villages are often unused because of both cultural issues as well as the additional effort required to carry water and use them. It would have been better if toilets were built near the source of water. A lot of things can be run smoothly if planned well,” says Shriya.

Lack of planning and improper implementation have led to more stagnation in villages.

There is a complete disconnect between policy-makers, administrators and ground realities. Each seems to be in conflict with the other, and as a result everything takes much longer to shape up,” says Shriya.

For instance, in Jawhar, people sometimes end up waiting for two hours for a bus; filling water is another time-consuming exercise, hours are wasted in utter darkness if there is no electricity. Lack of infrastructure and efficiency in the system lead to several hours being wasted on mundane things. How can students devote time to studies when they are caught in a web of problems,” asks Shriya.

There is also a general perception that if you give money to villagers their problems will be solved. She is highly critical of the government doling out subsidies and leaving the villagers to fend for themselves. Money helps, but it doesn’t help to solve their problems, she says.

It has been a grounding experience for a city-bred person like me. I had prepared myself for the worst but things were not as bad as they are portrayed,” says Shriya.

Unlike the general perception of girls not being encouraged to study, here, despite all the hardships, there are a fair number of women and children who do think of a better future. “I came across a confident girl who scored 85 per cent in her 10th standard and is studying science with hopes of becoming a doctor,” says Shriya, who believes that the students in rural areas have great potential. “If they get the right opportunities and exposure, they can really come up well in life,” she adds.

Language is a huge barrier for these tribal students. “The lack of qualified teachers, poverty and lack of facilities make matters worse for them,” explains Shriya.

Shriya plans to continue her work in the development sector. As an urban planner, she hopes to put into practice small ideas, take baby steps to bring about changes in cities and villages.

She hopes to see cleaner cities and better infrastructure in India. “Building smart cities is a good idea: it harnesses technology and facilitates better dialogue between people and their places to make things more efficient. So it’s a good initiative. But India has to improve on a range of things from proper drainage, good transport, better restructuring of the informal workforce, the list goes on,” says Shirya.

Education is one field close to her heart. In future, she hopes to be able to contribute to making school-level education more kinesthetic and application-oriented and university education more research-oriented and productive.

Indians are still obsessed with engineering and medicine, with very few opting for non-traditional fields; also, there are not many avenues for students to pursue good research. The research output is minimal, which needs to be changed,” says Shriya.

To know more about Shriya’s work, mail her at shriya.rangarajan@gmail.com

If you wish to join the movement to bring about a change in rural India or would like to contribute in any way, you can send a mail to shuvajit@youthforindia.org

Source…MANU .A.B. in http://www.rediff.com

Natarajan

 

” 57 Storey Skyscrapper in 19 Days…!!!

A simple design innovation let a Chinese entrepreneur build a 57-storey skyscraper in 19 days…

Broad Sustainable Building, a Chinese architecture company, recently constructed a 57-story, 800 apartment building in 19 working days.

It’s called Mini Sky City. The man behind it is Zhang Yue, a Chinese entrepreneur with an Elon Musk-ian streak for launching revolutions.

As the BBC reports, Zhang wants to start a revolution in building.

Which you can see from Mini Sky City’s three-floors-per-day construction.

The full video is nuts.

But as the ‘mini’ in its name implies, Mini Sky City is just the beginning.

Broad Group wants to build the tallest building in the world, higher than the Burj Khalifa in Dubai.

It’ll be called Sky City, standing a full 220 stories high.

Founder Zhang Yue tells the BBC that Broad Group will build Sky City in a fraction of the time. While it took the Burj five years to be completed, Zhang says that Sky City will only take seven months.

It’ll come complete with everything you need to “live vertically,” like an indoor farm or a helipad.

The key? A little hack called modular construction.

The Modular Building Institute defines it like this:

Modular construction is a process in which a building is constructed off-site, under controlled plant conditions, using the same materials and designing to the same codes and standards as conventionally built facilities – but in about half the time. Buildings are produced in “modules” that when put together on site, reflect the identical design intent and specifications of the most sophisticated site-built facility – without compromise.

Modular design has been used at a smaller scale for a while now.

We probably know it most intimately through the work of Ikea, a company with a  furniture empire that has come to dominate the world.

Here’s how Ikea describes its sectional sofas:

The great thing with a modular sofa is that you can create your own combination, so you get exactly what you want. Then you can adapt or add on to what you have if your needs change. And with our big choice of styles and covers, it’s easy to get the look that suits you, too.

Broad Group’s skyscrapers are kind of like the Ikea sofas of construction

As BBC reports, the process for building is the same: steel comes into Broad Group’s factories, and it gets welded into modules like a column or cross beam.

Then those modules get trucked out.

Crane them up.

And snap them into place, Tetris-style.

“With the traditional method they have to build a skyscraper brick by brick, but with our method we just need to assemble the blocks,” company engineer Chen Xiangqian told the Guardian. “This is definitely the fastest speed in our industry.”

To read the full BBC feature on Broad Sustainable Building, go here.

Source….Drake Baer in http://www.businessinsider.in

Natarajan

Standing tall: Charles Correa’s ICONIC buildings….

India’s greatest contemporary architect Charles Correa died on Tuesday night at the age of 84. He was best known for his “open-to-sky” designs, which were reflected in some of his famous projects.

Rediff.com takes a look at some popular buildings that got the Correa touch. 

1. Islamic Centre, Toronto, Canada

Toronto’s Islamic cultural centre stands out because of its stunning glass dome. It shares a patch of parkland with the Aga Khan Museum.

Correa designed the structure in partnership with local studio Moriyama & Teshima Architects to provide a cultural centre for the Islamic community. Photograph: deezeen.com

2. Champalimaud Centre for The Unknown, Lisbon, Portugal

Champalimaud Centre rings a bell, doesn’t it? Yes, here’s where Lalit Modi’s wife was treated for cancer in 2014.

This research and diagnostic centre with its state-of-the-art facility is a work-in-progress.Photograph: Carlos Luis M C da Cruz/Wikipedia 

3) Permanent Mission of India to the United Nations, New York

Designed by the legendary Correa, the building has a red granite base and a double-height penthouse porch at the top, which houses offices of India’s permanent representative, deputy permanent representative, a minister and political coordinator, six counsellors, a colonel-rank military advisor and several other secretaries.

It is just down the road from the UN Headquarters in New York. Photograph: Julio Ferrer/Flickr

4) Gandhi Smarak Sangrahalay, Sabarmati Ashram

The museum at the Sabarmati Ashram in Ahmedabad was designed by Correa. It was inaugurated by Jawaharlal Nehru on 10 May 1963. Photograph: Sanyam Bahga/Wikipedia

5) Jawahar Kala Kendra, Jaipur

This arts centre built in 1992 is dedicated to India’s first prime minister Jawaharlal Nehru.

It is a contemporary building based on the archaic notion of the cosmos — the navgraha (nine planets) mandal, according to Correa’s website (charlescorrea.net)Photograph:
Sahil Latheef/travellingsahil.blogspot.com

6) Vidhan Bhavan, Bhopal

Correa designed Vidhan Bhavan in Bhopal, in Madhya Pradesh. It overlooks courtyards and gardens — there are gardens within gardens divided into nine squares, according to Correa’s website.

He also designed the Bharat Bhavan. Photograph: archnet.org

7) Kanchenjunga, Mumbai

Kanchenjunga is one of the most luxurious apartment blocks in the city located at the upmarket Peddar Road. The interlocking duplexes in the building are somewhat like the Permanent Mission of India to the UN structure in New York.

8) Cidade de Goa, Goa

This five-star beach resort, a few minutes drive from Panaji, is built on a sloping site which descends down to the beach on a river. Photograph: Cidade de Goa/Facebook

9) British Council, Delhi

Built in 1992, the new building of the British Council houses a library, an auditorium and an art gallery. These elements are arranged in a series of layers, recalling the historic interfaces that existed between India and Britain. Photograph: Courtesy British Council

10) Portuguese Church, Mumbai

One of Mumbai’s oldest churches, the Portuguese Church (The Church of Our Lady of Salvation) was redesigned by Correa in the 1970s. The shell roofs are ventilated at the top and the skylight in the baptistery is by noted Indian artists M F Husain.

 

Source….www.rediff.com

Natarajan

“Mumbai remains the most expensive city in India”….says a survey….

Mumbai has emerged as one of the costliest cities in the world due to increase in foods prices, home services and rentals, says a Mercer’s Cost of Living Survey 2015.

Mumbai has emerged as one of the most expensive cities to live in, according to a survey. Photograph: Reuters

Mumbai, the financial capital of the country, held its position as the most expensive city in India and is ranked above Dallas, Frankfurt and Vancouver, according to a recent survey

Image: Luanda is the world’s most expensive city to live in, according to a survey. Photograph: Reuters

Luanda, the capital of Angola, has been rated the world’s costliest city to live in, for third consecutive year, as per Mercer’s ‘Cost of Living Survey 2015’

Image: Hong Kong is the second most expensive city in the world for expats. Photograph: Scott Audette/Reuters

“India’s most expensive city, Mumbai (at 74th place), climbed 66 places in the ranking due to its rapid economic growth, inflation and services basket and a stable currency against the US dollar,” the survey has revealed.

Image: Zurich is the third most expensive city in the world, according to a survey. Photograph: Photograph: Arnd Wiegmann/Reuters

“It (Mumbai) has witnessed higher inflation over the last one year compared to other metro cities, higher cost of fuel, transportation, increased prices of food items, home services and rentals, impacting the cost of living,” it said.

The survey further said that Mumbai is ranked higher and more expensive than cities like Dallas (77), Munich (87), Luxembourg (94), Frankfurt (98) and Vancouver (119).

Image: Cost of living in Singapore is one of the highest in the world. Photograph: Clive Mason/Getty Images

Mumbai, the most populous city in the country, is followed by New Delhi (132nd place) and Chennai (157), which rose in the ranking by 25 and 28 spots, respectively.

Besides, Bengaluru (183) and Kolkata (193), the least expensive Indian cities, climbed in the ranking as well, it said.

Image: Rentals, food, travelling and related costs are very high in Geneva, says a survey. Photograph: Reuters

The survey includes 207 cities across five continents and measures the comparative cost of more than 200 items in each location, including housing, transportation, food, clothing, household goods and entertainment.

Asian cities dominate the top 10 costliest cities rankings along with major cities in Switzerland, it said. Hong Kong (2), Zurich (3), Singapore (4) and Geneva (5) top the list of most expensive cities for expatriates, while Bishkek (207),

Windhoek (206) and Karachi (205) are considered world’s least expensive cities for expatriates, according to the survey. Tel Aviv (18) continues to be the most expensive city in the Middle East for expatriates.

Source…..www.rediff.com

Natarajan

” Effective “E “…. In today’s e Life …!!!

                    The  E  Life

In this world of E-mails, E-ticket, E-paper, E-recharge, E-transfer
and the latest,  E-Governance…

Never Forget “E-shwar ( God )”

who makes e-verything e-asy for e-veryone e-veryday.

“E” is the most Eminent letter of the English alphabet.

Men or Women don’t exist without “E”.

House or Home can’t be made without “E”.

Bread or Butter can’t be found without “E”.

“E” is the beginning of “existence” and the end of “trouble.”

It is not at all in ‘war’, but twice in ‘peace’.

It is once in ‘hell’,  but twice in ‘heaven’.

“E” is represented in ‘Emotions’
Hence,  all emotional relations like Father, Mother, Brother,

Sister,wife & friends have ‘e’ in them.

“E” also represents ‘Effort’ & ‘Energy’
Hence to be ‘Better’ from good both “e” ‘s are added.

Without “e”, we would have no love, life, wife, friends or hope

And ‘see’, ‘hear’, ‘smell’, or ‘taste’ as ‘eye’ ‘ear’, ‘nose’ & ‘tongue’

are all incomplete without “e”.

Hence GO with “E” but without          E-GO.

Source….input from a friend of mine..
NATARAJAN

” Harmful Money Habits….Beware…” !!!

Stop indulging in these before it derails your financial future

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

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

Project Chirag

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

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

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

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

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

1. Missing payments on loan installments

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

2. Delay or default on credit card bill payment

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

3. Settlement on a loan or credit card

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

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

4. Exceeding or reaching the limit of your credit card

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

 

5. High credit exposure

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

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

Illustration: Uttam Ghosh/Rediff.com

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

Source…www.rediff.com

Natarajan

A Cheat Sheet to Increase Your Savings….!!!

You can still save a little more than you already are by changing a few spending habits. Here are some life hacks that will lead you onto the path of greater savings.

All of us know that in order to build wealth over the long term, we need to save diligently and in a disciplined manner. But every now and then you feel like giving into temptation and make impulse purchases that impact your savings. The trick to long-term wealth creation is to save efficiently and that can require a little bit of inspiration. So, here’s some for you.

Do you think you have run out of all ideas of how to save money, and there is no way that you can save more? Well then, here is some good news for you!

The cash only policy

Plastic money, like debit and credit cards are easy to use, and may just be the tap from where your hard earned money flows away. The fact the e-commerce is so attractive now giving deals everyday is fact that does not help either. You promise yourself that it’s the last thing you are buying for yourself in a month and then you go ahead and spend some more! If you are reading this with a pang of guilt right now, we have an idea for you.

The cash only policy

Plastic money, like debit and credit cards are easy to use, and may just be the tap from where your hard earned money flows away. The fact the e-commerce is so attractive now giving deals everyday is fact that does not help either. You promise yourself that it’s the last thing you are buying for yourself in a month and then you go ahead and spend some more! If you are reading this with a pang of guilt right now, we have an idea for you.

  • Remove your card details from the online shopping sites that you use them in and put your cards away in a drawer or some other safe place where you will not be tempted to touch them.
  • Think 20th century and live on cash only at least for two weeks.
  • Use cash to pay everything from your daily expenses and shopping (if your budget still permits it).
  • Live this lifestyle for at least two weeks to a month (if you can exercise restraint for that long!) and you will be surprised on the amount of money you will have saved by the end of the month.
  • The cash you save can be used to pay back the outstanding amount on your credit card. Paying outstanding balances in full is also a sure shot way of maintaining a good CIBIL score, so make sure you give this topmost priority.

Ignore the extra cash

Rare as these occasions might be, you are likely to a get a windfall sometimes in the form of a bonus, a raise that comes with a promotion or a tax refund.

Instead of splurging it on the new gadget you have been eyeing, ignore it completely and put it away right then! If you have a substantial amount pending on your credit card or your emergency fund is not quite replenished, use the extra money to take care of these issues right away.

Take our word for it: the feeling that your debt pile is under control or you have enough funds to fall back on in case of a sudden unpleasant change in life is a much better feeling than basking in the glow of a new gadget!

Wait up before the big purchase

So you have been eyeing the latest smartphone, the sleek laptop or the LED TV that will simply liven up your living room? If you are thinking about making some such big purchase, we urge you to wait up for at least seven days before you go ahead and do it.

Use this time to take a look at your financial plan and whether or not you are on track.

Ask yourself what will be the impact of such a purchase on your finances. If you are really honest, chances are you will find out that your financial security is a better option rather than the fancy TV or the latest smartphone!

Go on auto pilot mode

Thanks to the advances in technology it is easy to put your savings on auto pilot mode. This means that you can use the electronic clearing system or ECS to direct your money into any investment vehicle, whether it is a MF scheme, an emergency fund or a pension scheme. Not only is it easy to track your investments this way, it will give you the mental peace of having saved automatically each month without making any extra effort.

By putting these methods to good use you will realise over time that you have not only saved a greater amount of money, but your debt pile is also under control. All of these habits will help you maintain a good CIBIL score. A good CIBIL score can be your ticket to access credit when you are in need of it.

We are not saying that these are the most pleasant things to do, and may be painful too at times, but if you do manage to implement them, you will surely have created wealth over the long term, and that, we can assure you is an intensely satisfying feeling!

Illustration: Uttam Ghosh/Rediff.com

The author is Co-founder and Director Credit Vidya.

 

Source…www.rediff.com

Natarajan