Positive Outlook

A lady who was over 90 years old, had a great flair towards dressing up well, applying makeup and arranging her hair in beautiful patterns.

She and her husband had been married to each other for 70 years.

After the departure of her beloved partner, having no children and no one in the family to care for her,
She decided to move to a nursing home.

Even on the day when she vacated her home for good, she dressed up elegantly and looked gorgeous.

After arriving at the nursing home, she had to wait patiently in the lobby for hours before room was ready.

When an attendant helped her make her way to the room, she gave the lady a visual description of the tiny space that she was meant to occupy.

"I love it” The lady expressed with the enthusiasm of an eight year old who had just been presented with a new puppy.

"Mrs Jones, you haven't even seen the room yet... Just wait. " The attendant remarked.

"Well, My joy has nothing to do with the room, " The lady replied.

"Whether I like my room or not, doesn’t depend on how the furniture is arranged, it depends on how I arrange my mind, happiness is something you can decide ahead of time. And I have already decided to love my room, to love the people around me, to love my life. It is a decision that I make every morning when I wake up. You know what, the greatest asset we all have is the power to choose how we feel. "

The lady continued speaking, as the attendant listened attentively with her mouth wide open.

"I can spend my entire day in bed thinking of the pain I am in, focusing on the parts of my body that no longer work or I can get out of bed and be thankful for those parts that do work. Each day is a gift, and as long as my eyes can still open, I will continue to focus on today and all the happy memories I have stored in my mind, just for this time in my life."

The attendant was astounded by the positive attitude of the elderly lady, whose life from an external point of view, was only full of problems and hopelessness.

Actually,

Only problems happen automatically,
Happiness is a choice we all have to make.

"Hatred" happens automatically "love" is a choice we all have to make.

Being negative happens automatically
Positive attitude is a choice we all have to make.

" Complaining " is automatic
" Gratitude" is a choice we all have to make.

Let’s choose right and live well.

Text Summarization AI

Read "Comprehensive Guide to Text Summarization using Deep Learning in Python" on Analytics Vidhya https://www.analyticsvidhya.com/blog/2019/06/comprehensive-guide-text-summarization-using-deep-learning-python/

Retirement Planning - Article 5 by Amit Sangwan

Article 5
Retirement planning :
SOME CLARIFICATIONS, MINDSET ABOUT MONEY AND MANAGING FEARS

7 min read

12 May 19

By Amit Sangwan

1. Just back to my study after casting my vote. Have been recieving tremendous positive reaction, support and respect  after writing my first 4 articles.

2.  After having written about NFU and OROP yesterday I was expecting some backlash. But what came from one officer in a message form shocked a mystic like me also.

3. He was extremely annoyed about why I was not supporting NFU(I am not against it.I am against doing RR for it).And he casted doubt that this was a ISI handle. This got me thinking.

4. NFU is an issue which has caused lot of angst and bitter feelings  among serving people. Some body like me trying to put cold water is being lamented as dushman and those wanting to increase this fire are perceiving themselves to be  deshbhakt. Just fail to understand this  skewed logic.

5. This is not an ISI handle. My name and number out there. 800 msgs come to me daily. Just for privacy reasons I want to keep it that way. Accusing this way is bit rude.Labelling as a  friendly neighbourhood whatsapp Spiderman would be much better.

6. My aim with all these articles is to offer refreshing  take on matters we faujis have been sweating on for yesterday at end. I think its high time we got out of that self eroding and self depricating victim mindset. Also I want to give confidence to people to enter the unchartered territory after retirement.
I will bring in fresh perspectives and clear such vitiated  air that has been created of late around this wonderful profession of arms by few starved and perceptually deprived souls.

7. Writing the above complicated english  para has taken a toll on my mental faculties. Wont be able to make this article  so great now. At end of the day I am an ex Nda Jaat Ram from Rohtak ( settled at Gurgaon).Not from somewhere else as one odd chap may suggest or want to believe.

8. Some random clarification for previous ones

(a)  Lumpsum retirement benefits for 20 yr Lt Col retiring Aug 2020  are leave encashment about 20 lakh. Gratuity 20 lakh.
Commutation 45 lakh. Agis survival benefit 10 lakh. So a total 95 lakh. Retirement posting claim 2 lakh. So 97 lakh. Every one year increase in service it will increase by 3 lakhs.So for 24 year service officer it will be 1.1 cr. Rank as brig or full col will increase it by 5 lakhs.

(b) Officers with disability should not commute pension as their pension will be tax free.In
coming times getting 8 percent net of tax returns will be a challenge.

(c)  So if you dont have a big outstanding loan to repay,  not commuting is an option.

9. Fears

(a) Children education and future

(i) Its a unnecessary worry. Your child is carrying your and wife genes. If both your genes average then  at max with great efforts he or she can become above average but certainly not exceptional.  This has to be understood.

(ii) Most  conventional good jobs like Ias Ips and admission intoIIT etc will be taken by lower middle class.  Because of Internet accessibility the class advantage has gone.Please see on youtube , videos of all subjects on civil services exam available. So crores of poor children at almost same level. See the profile of kids joining civil services. Even fauj for that matter. Our children cannot get that fire in the belly.

(iii) Go for unconventional ones. In media, advertising, fashion .will do an article on this later on. Basic idea any work which is dependent on personality and confidence of a person and not academic brilliance.

(iv) Please dont make kids engineer. If not from IIT or NIT or AIT, salary wont be more than 20 thousand.

(b)  Question  What will i do outside ?
Answer You can afford to do nothing.
As per the equation your living style will be maintained.
Question How can  I  sit idle?
Answer Then do something.
First question gets repeated again.
This is where people get stuck.Officers with tech skill or some confidence will not ask these questions. Others will have to find answer  themselves .

(c) Question - What do i do with money i get on retirement ?
Answer  Put in FD
Question But Fd returns are 7 percent only. Post tax 5 percent ?

Answer Ok then put in mutual funds.

Question But they are risky. I have seen nav fall by 30 percent . recently especially mid cap n small cap fund .

Answer Ok bhai invest in real estate.

Question  What if builder runs away.So many people stuck in greater noida?

Answer  Ok do a small start up of your own or wife .Some artifacts kind.

Queation What if it fails. My life long earnings sunk.

Answer ok i will do portfolio management service for you and hand hold you . We will invest in various asset classes depending on economy cycle, political environment ,crude oil price and trumps state of mind.I will charge 3 percent as fund management fees.

Reaction :  It sounds nice.
But 3 percent is too high. You are a friend. Why charge so much for just telling where to put money. How much time it takes to tell a plan ?
I think i will continue because i have 1 cr in PF and will get 8 percent intrest. In fact i will take re employment also.As second posting in that will be choice.
Its ok if i get first one in field.

10. I have witnessed above conversation so many times.
Remember two kind of people will help you and give advise.

One who will charge you money. He will have a vested interest in making you invest in a particular thing. It may be beneficial to you also. Seek good ones.You can ask them any number of questions. Argue with them. After all money is going to them. Develop conviction after the process and go ahead with them.

Second one will give you for free.They are rare good souls to be cherished. They may be friend, may be doing as hobby or it may be there niyati (dont know english word for it).
Dont argue with them. Cross check their advise. Ask how the conviction can be developed. Don't hassle them with  endless questions. No one can ever invest on borrowed conviction. You have to develop your own.
Example general perception is that in real estate in India rental yield is 2 to 2.5 percent .
But if i tell you it can be 10 percent .even 12 percent. What will most likely reaction? One of  disbelief and followed by unnecessary  argument .

11. The problem with faujis is for so long we are used to operating under SOP s and set pattern approbed by higher ups  that we become clueless without them. In fauj the commander and system seeks certainity for the mission to be successful whether its surgical strike or corp cdr or army cdr visit.
Nothing is left to chance.There is always a a plan B or plan C. Being in fauj for so long this approach to life has seeped in our subconscious. Also there is a penchant to see orderliness every where.Nearing retirement you need to get rid of this.

12. Above approach to life is very counterproductive in civil world which thrives on uncertainity and cuous. Whole insurance industry is based on it.
Seeking certainity in this uncertain world causes misery.

13. Actionable points for the week

(a) Dont fret about kids education .What they study and end up doing is totally different ? Expose them to various possibilities.

(b) Read book

Art of thinking clearly.

(c)  Money cannot give happiness. But its a tool to navigate the troubles of life. Having it certainly helps. Money is important but the way you earn it is even more important. So introspect at what cost are you earning it.

Next one most likely  on Mutual funds vs real estate and how to go about it. Also concept of passive income and active income will be introduced. Something if one understands it can change the way you live.

Note

1. In our childhood all of us would have played various games like pittu kho kho kabaddi or r more organised ones like football and  cricket.

2. If there was a pool of say 20 kids. 2 kids were nominated as captains. And they used to select teams.There was a toss who will start the selection process.

3. The star and stronger players were selected first. Then the team players or personal favourites. The kids in 8 9 10 number were  the ones not fitting the above qualities.

4. As children if we were in 8 9 10 number, understanding the above process was difficult and we continued playing irrespective.  Even if some of us had the maturity to understand what was happening, we had a little choice as pool of kids was limited. It was ok to play in cricket when nobody gave you batting or bowling. You did only fielding. And were normally the ones to get ball out of kaante wali jhadi.

5. If the above 8 9 10 is happening  to you in adulthood or midlife then Sir  its time to change the game.
There is no limit of type of  games to be played.  Choose a new one of your liking.

6. Know when time is up. For superannuating officers
Sir Bahut din ho gaye democracy ko defend karte huey.
Time to enjoy the democracy now.

7. Hope some value added. Please post queries by whatsapp.also please mention where u belong to because advise to bangalore guy will be different from chandigarh one. Also a brief back ground. Also please dont ask how you should make career choices. Mtech or staff college. I am not that honhaar to guide on these.
Abstract things, intuition and emotions is what i excel.

9911702005

Financial Planning

Another great article by veteran Amit Sangwan! 🙏🏼 🙏🏼

===

Personal financial tips...

What are some of the mistakes of Indians that are destroying their financial lives?

*Buying insurance policies for investment purpose*: Have you invested your money in insurance plan to get a return in future? Big mistake! Out of 100 people I have spoken, 95 have made this mistake.. Very few people understand the difference between term plan, endowment plan, etc.

*Not able to crack the credit card mystery:* Are you paying the minimum amout due on your credit card payment? If yes, you are trapped in credit card mystery. On the other side, very few people really enjoy the benefits like free lounge access, buy one get one movie ticket, etc.

*No idea about the power of compounding:* Everyone has come across the formula of compounding but very few people really understand its power. This is the reason people do not start saving early and hence lose out on the power of compounding. Albert Einstein said that power of compounding is the eighth wonder of the world.

*Buying stocks based on tips without any knowledge:* You will find every Tom, Dick and Harry giving stock tips over Facebook, Whatsapp and TV. Unfortunately, a lot of people fall in a trap of these people and invest money without any knowledge. What is the end result? They lose everything!

*Becoming a victim of lifestyle inflation*: Moving from 2bhk to 3bhk just because you have got a good hike, upgrading your car because you have got some bonus are some of the examples of lifestyle inflation destroying financial lives.

*Buying things just because they are on discount*: From Amazon’s “Great Indian Sale” to Flipkart’s “The Big Billion Days”, everyone is encashing on the weakness of Indians buying things just because it is on discount. Funny thing is now you will find such sales every other month.

*Getting tempted to go for an exotic vacation* just because someone put a post on Facebook and Instagram: Instagram and Facebook are introduced as Social Media Platform but they are actually destroying the entire social fabric. Friends are jealous of each other. Most of them are just social media friends. Facebook and Instagram are more of a marketing platform where people post stuff just to get some likes and companies promote their product and services.

*Spending a bomb on weekend parties:* 5 days work and 2 days party: This is the new culture in India. Pubs are jam-packed on weekends where people would spend a bomb on drinks. By the end of the month, they are left with no money.

*No track of cash flow:* Very few people keep a track of their expenses. Most of them just don’t know where the money is gone.

*No emergency budget:* Not having any extra money in the case of an emergency results in embarrassing situations of borrowing money from friends and relative. Some people even break their investments and make a big mistake.

*No medical insurance*: I have seen people losing out the lifetime savings just because they did not take medical insurance. One accident can shatter all financial dreams. Better be insured. Healthcare cost is rising and it is impossible to manage it without insurance.

*No financial plan:* People do not know why they need to save money because they don’t know their financial goals.

*No diversification*: Some people would invest all their money in real estate, some would invest all the money in gold, some would just keep it in the locker, some would invest all the money in the stock market. Very few people understand the right way of diversifying the investments.

*Spending all the hard earned money on children marriage:* Thanks to our hypocritic society! People save their entire life just to spend all the money on random relatives who only bother about the food and arrangements. What is the topic of discussion at weddings? “Sharma ji ne to unki beti ko car gift kari. (Mr Sharma has gifted a car to his daughter)”. “Mehta ji ne unki beti ko 50 tola sona diya” (Mr Mehta has gifted 500-gram gold to his daughter.)

*Buying excessive gold only to keep it in the locker:* Gold worth lakhs is kept in lockers only to be used once or twice a year. This is resulting in the money getting blocked and hence not getting any returns on it.

*An extremely conservative approach with investment:* Traditionally, people have been risk-averse. They would just have an FD and live on 6–7% annual interest. Some would just keep the cash at home.

*Lack of clarity between asset and liability:* Having a car is not an asset because it consumes fuel and has a maintenance cost. Its price will only depreciate in the future. Car is a necessity but people spend a lot of money and even take the loan to buy a luxury car over and above their budget.

*Considering frugal as cheap:* A lot of people confuse economic spending with being cheap. An economic spender does not compromise with quality but does his research well enough to buy the product or service at the lowest rate.

*Procrastinating investment decisions:* “I will invest from tomorrow”. But the problem is that tomorrow never comes.

*Spending a lot of money on fancy stuff:* A fancy car, a fancy house, a fancy watch, a fancy vacation. People want fancy stuff and willing to pay a premium irrespective of the value it generates.

*Lack of patience:* “I can’t wait for my wealth to grow. I want to double my investments in 6 months. I need to invest in the stock market.” A lot of people lose their lifetime of savings because they don’t have the patience to understand the investment option and would blindly trust anyone with their investment.

*Depending upon others for investment decisions:* “I don’t know anything about investment. Please manage my money.” Unfortunately, a lot of people are dependent upon others with their hard earned money. This is the reason we have a lot of self-proclaimed experts giving stock market tips.

*Not discussing the money matters in the family:* Discussions related to money are considered as a taboo in Indian families. Nobody really discusses money matters.

*Getting too greedy with investment:* People blindly invest their money in penny stocks, day trading, futures and options. They eventually lose all their hard earned money. What is the root cause? GREED.

*Buying stocks at the peak and selling on fall:* Most of the retail investors get over excited with a rising market and invest when the market is at its peak. Eventually, the market corrects and they sell the stocks at a loss.

*Wasting time on unproductive things:* Rather than learning new stuff and growing the skillset, people end up wasting time on social media and YouTube.

*Lack of disciplined investment:* Instead of spending what is left after investing, people invest what is left after spending. This results in indisciplined investment.

*Root Cause:* Lack of knowledge about personal financial management!

Preparing for PMR - Article 2 by Amit Sangwan

Preparing for PMR  - Finiancial Aspects and some more

By Amit Sangwan

1. I write this with some nervousness as the earlier one has recieved overwhelming response. This article is for finiancial orientation of  officers who for whatever reasons have opted for PMR. It is on lines of presentations one goes after applying for PMR. It is not meant for the stars. Also it is not meant to motivate officers to leave. Thats a personal call and everybody is presumably mature enough.

2.  Now having written what it is not meant to do, I will tell what it intends to do. Give some clarity and confidence to officers who are on verge of retirement for whatever reason they may have taken it for. Give them options. Soothe the nerves and anxiety.

3. This one will require 2nd order thinking and some strain on brain . Please dont read it after you are down two or more pegs. As you wont understand much and and evening may get spoilt.

4. It may hurt or break some long held  belief systems .That can cause pain. But may also give you new insights.

5. The money part is most important in this decision making. What I will write is after 20 years one can safely leave with the premise that you will not earn or do work at all.

6. Example is for a Officer leaving on 01 Aug 2020 after 20 years. Why 01 Aug. Because as per me its best date. You have just taken the increment for the year. Settled family 4 months back ie 01 apr for children new session.

7. So example date is 01 Aug 2020 for Lt  Col of 20 yrs service. Others may adjust for their rank and service .Template remains same.

8. Salary of Lt Col on 01 Aug 2020 @20 yrs@20  percent DA will be 2 lac rs.it may 10 k more depending on place ,tpt allowance etc.
Take home after tax 158 to 160 k.
After AGIS and some other cutting about 150 k.
I am treating PF subscription as pay only.

9.  Practically about 140k to 120 k goes into bank with which you live your life. You pay your bills, fees,emi etc with this.
Not only that you also save part of it into mutual fund sip, cash for buying. So your actual expenditure may vary from 60k to 90k. Somebody may have PF subscription as 50k or 60k. Getting 80k as take home and spending 60 to 70 k. This will depend where you stay and what stage children are at.

10. Some getting HRA would be actually spending that much on rent so that is taken care of. Main takeaway is that it is that 140 k which runs your life.

11. Your Pension after commutation will be 57k on 01 aug 2020. Lumpsum other than your pf will be 1 cr. 10 percent return on this per year is 10 lakh or 83k per month. So you get 57k plus 83 k ie 140k.
Same 140k which was running your life.

12. Now question comes how that 10 percent. Who will give. Is it safe.No you cant get it.This 10 percent thing is a big article in itself (4th one in series). Right now take my word for it. Also remember this all 83k will not come as liquid cash to you per month. Only a part of it. But then go above again . Were you using your entire 140 k? No. So liquid cash required out of 83 k may be just 33k. As 57 k plus 33k ie 90k is sufficient to run a household.

13. So take away till now is that you dont have to fret how you will manage.
I have not taken into consideration what assets  you may have, Rental income, Spouse income , Parental support , your own PF. These all are additional security cover.

14. My submission is that ,considering only cash flow , if you take PMR everything  remains same.
Now the benefits are following :-

a) When a officer retires at 42 years, his pension gets restored to full after 15 years.ie at 57 years.

b) This way its a gain of 3000 per year till 15 years.your 41 k spread over 15.

c)  If an officer retires at 57 years his pension is full at 72 years.If one lives till 80 years you get full for 23 years. In other case it is only 8 yrs.

d) Some will say if you retire later your pension will be more, retirement benefits more than why not continue? Lets do the maths for that also.

(i)  Salary increase happening per year is 4.5 percent. Net of tax it is 3 percent. Retirement benefits will increase by 2.5 percent.
It is nett of increase in leave encashment because basic pay and DA has increased. Commutation factor will decrease with age however basic pay has increased so it will still increase but slower rate. Gratuity will peak at 20 lakh. So no gain with service there.

(ii)  So from above pension increase is about 2.5 percent of 1 cr lumpsum ie 2.5 lakh and pay increase of 3 percent ie 75 k yearly. So you gain is 3.25 lakh per year if you continue one more year. Now the catch.

(iii)  Something called inflation which the government says is 5 percent.But that includes 400 items of common man.Actual affecting us is minimum 7 percent. So if you recieve a crore a year later its worth 93 lakhs.7 lakh loss this  way.so nett loss 7 minus 3.25 ie 3.75 lakh or 30 k a month or 1000 rs a day.

(e) All will notice that the way DA is calculated now  increase will be less. Lower strata of society will do catch up.

15. So now how do we proceed ahead. From above its clear that finiancially its not that advantageous to stay. So what actually makes us confused, jittery and anxious when the decision time comes.

16. Some psychological reasons as below:-

a) First of all there is some negativity inbuilt in word PMR or PSS .The word premature whether in Premature baby or premature ejaculation is problematic one. Name change to voluntary retirement may help. In this one also retirement word is bad. But better than PMR.
May be BBHG would be better.

b) All our military lives we or say most of us  live with a notion that we are superior to civilians. That bloody civilian approach. Now prospect of  joining these bloody civilian or working under them will naturally scare your subconscious mind. Some will choose to superannuate and do re employment of 4 years.Fight for all possible causes and then continue the tirade against civilians till death.

c)  You can not  start a conversation with civilians  like when we were at Wellington or when I was commanding that unit. Nobody there is interested in what you were. They cant distinguish between a Army or navy Capt. Your course grading of no use there.

d)  Outside your fauji junior may get a better pay package than you. That is also scary. I know people arguing I am full colonel how my pay can be less than Lt Col.

e)  You actually dont know what you are worth. Retired fauji known guy unless extremely close will only confuse further not help.

17. Now how we reduce the anxiety. See the reason you are leaving may be that juniors have become senior and you dont want to sir them. But being desperate and joining anything is no solution.There you may end up madaming a 10 year younger IIM female. Please dont judge me here. Just trying to drive home a point.

18. So how to exactly go about selecting what to do after leaving  to have a balanced peaceful purposeful  life will form core of my next article.

19. Just a hint for what to look in that one.
After leaving fauj dont sell your time to earn. What does that mean is, you sell 40 hrs a week to someone with 15 hrs commute added and he gives you money in exchange. You dont want to live like that having done it 20 to 25 years already. Concept of time millionaire

20. Hope people found this one adding some value.Bottom line is in 20 years you break even. Working there after is following Law of diminishing returns.

Note.
a) Lot of people have shown curiousity in knowing me.
I will like to keep a barrier and not make it personal.

b) For now saying I am one of you may be sufficient.  Who I am may not help any. What I have to say may help. So lets concentrate on that.

c) In para 16 (a) above BBHG is Bas Bahut Ho Gaya.

Pls dont make calls. In case of query pls connect only by whatsapp.

I may also not answer any individual query but include most as part in my next one.

This was second in the series. I think it will require minimum 7 to cover all aspects.

9911702005

Retirement planning - Article 4 - by Amit Sangwan

Article 4
Retirement Planning : NFU, OROP, COMMUTATION and MINDSET ABOUT MONEY

11May 19

BY Amit Sangwan

Disclaimer
I am shifting from the term PMR to a more broadbase one of retirement to include superannuating officers and ssc officers. Also the PMR thing was becoming a bit negative. Having re read my own articles i felt unintentional  message of leaving fauj was going.That was never the aim.  So I am doing a course correction. Henceforth things will be more factual and academic. How you use it is individual choice. Also read the following with a pragmatic approach because most of it may not sound nice initially.Second read it may  will sink in .

1. NFU

(a) Too much unnecessary hue and cry in Fauji circles about this. In civil services one retires at 60 years. Promotion avenues always open there. Not restricted to 3 boards.In armed forces an officer may miss all 3 boards before 40 years of age. So even thinking and comparing with civil services is foolishness.What people want is having missed their  Col board they should get General sahab pay because they think in civil its happening that way.

(b) I will attempt to clear it.Not many have attempted before. Great risk of being trolled by your own.

(c) As per NFU ,officers 2 years senior in service automatically get finiancial upgrade when an IAS of particular batch (2 yrs junior) picks a promotion. Like joint secretary at 17 years. So all Gp A at 19 will pick.

(d) But for that you have to be one rank lower. So a Col who has missed all his boards will pick brig nfu when his coursemate has been brig for 2 years.This is how it will come if ever it comes. Similarly a brig will get nfu for major general when his coursemate has been major general for 2 years.

(e) For Lt Col it will be 2 years later so instead of 26 years it will come to 20 or 21 years. Now when their coursemates become brig ,these lt col will not get brig nfu 2 years later because you have to be one rank lower to get next nfu.Not 2.

(f) In civil services that is never an issue because officers are not sealed at a particular rank. Plus residual service is so much invariably slowly they keep rising and most retire at HAG if not HAG plus.

My take on issue is
Do not waste time and energy on this.It comes under gambit of Garib mindset.Something I will delve later on. Its interpretation and implementation not under our control . Time  and energy limited .Spend them on thinking bigger things.

2. OROP

(a) Similar lines as above, another energy sucker and hope finisher  word.

(b) Orop will not affect post 2016 retirees. A Colonel  of 20 years will have basic pay X. Colonel of 32 years service will have basic Y. So whoever retires as Col at 20 yrs his pension will be same as that Col who retired 4 yrs back at same 20 years.Same case for 32 years superannuating ones at 54 years.

(c) So till time , terms of service dont change orop requirement will not kick in. Example now Lt  col becomes in 13 years. Earlier TS  Lt  Col was 21 years. So 8 increments difference created anamoly between pre 2006 and post ones.

(d) Also it needs to be noted that a Col retiring at 54 years will have higher pension than one Col retiring at 20 years  because his basic pay is higher by 12 increments. Orop has no role to play  in it. So rumour and fear being spread that you will lose out because of orop is wrong.

(e) But 20 years Col is getting 1 cr benefit on retirement. If he continues for 12 more years retirement benefit will be 1.5 cr.But 1 cr of 2019 inflation and growth rate adjusted ( hurdle rate 9 percent) in 2031 will be 2.5 cr . So how do you account for this 1 cr loss. Growing at 8 to 9 percent is not difficult. Also 7th pay commission is last one.Now DA will merge with basic.Factor same for serving and pensioners.

My take is endlessly discussing and being fascinated by Orop not required.Technically there may still exist an anamoly of 2 to 3k between pension because of something called bunching up of pay scale in 7th  pay commission . Where in 2 to 3 courses draw same basic. But will you devote your life to it. Remember 2 courses out of 3 would actually gain from it. Only a particular course will lose out. Too much fighting for not understood causes will result in government reducing pension for the 2 courses. No one will gain. Phir atma main sukoon aa jayega. We faujis are masters in doing such stuff.

3. Commutation

Whether to commute or not commute is the  question

(a) Instead of a straight forward answer i will list conditions when you should commute. So people can make a choice.

(b)  Commutation calculation i have explained in previous article. Basically its loan of 45 lakh for 20 yr lt col for 15 years at 8 percent. Given to government at 8 percent if you dont commute. 8 percent is what you get. Every one more  year of servive put amount increases by 2.85  percent ( increment of 3 percent  only on basic  pay and not on msp.But for pension msp taken)

(c) Commute the pension if

(i) You can grow commuted money more than 8 percent.

(ii) If you have a pending loan of above 15 lakh. If loan is at 9 percent returning it from commuting amount is equivalent of earning 9 percent. Dont think of tax rebate on loan here(its restricted to 60 k only).

(iii) You are emotionally stable and can say no to any  relative who wants to take this amount as loan.

(iv) You are sure no impulsive buying will be done by you.

(v) You are sure of picking up a job.If you dont commute that added pension will attract 31 percent tax. Commuted amount does not attract tax . It can be invested in adult kids or wife name. The return on that will not attract much tax.

(vi) You are financially wise. You can invest and earn more than 10 percent.

My take on commutation

If your retirement PF is like 70 to 80 lakhs or more and you dont know how to handle money please don't commute. Because nobody will cheat you of extra 50k per month. But extra 50 lac is a sweet target. If you are below 45 repay loan if any.For senior superannuating guys dont commute.

4. Mindset regarding money

(a) Retirement benefit of 1 to 1.25 cr and a PF of 1 cr is making people jittery.
Reaction is of panic.Like murder ho gaya hai aur laash(this 2 crore corpus)  kaise thikane lagayi jaye.

(b) Bas koyi bata de ki kitna FD kitna Mf kitna post office kitna yeh aur kitna woh.

(c) Then we will ask is it safe. Returns 12 percent .R u sure.

(d) We faujis are toughest to give advise to and most demanding. Always skeptical.  But despite all this bewakoof bhi sabse pehle and sabse jyaada fauji ka hi banta hai.
Name any ponzi scheme city limousine kinds and sizeable fauji will be there  .We just escaped sharda scam because fauj is less in west bengal.

(e) Reason for above mindset is we faujis have victim mindset. That we are somehow missing out on oppurtunities and  people in civil have better chances of making money. This fear of missing out (FOMO) makes us  commit such mistakes.

(f) Garib mindset

When you train your mind to think of ration money and orop thing  or managing guest rooms, then you are restricting it to few thousands.  Doesn't help.

(g)  We are afraid to take PMR because you dont know your worth outside.
But how will you know what happens outside when in the limited 7 to 10 days when you go on vacation , you want to stay in a fauji set up.Fauji guest room. Why not a 5 star hotel or resort. Hope people dont get offended by this. Just trying to bring a point.If u dont expose yourself n kids to different rich environment ,how will you know how things operate there.

5. Actionable points

(a) Please get out of
Sab Mauj Main Aur Hum Fauj Main mindset.
Self pity never helps.

(b) Dont waste energies on nfu orop and fighting civil servant lobby. We are better than them chant doesnt help.We have a role to play. They have a role to play. Whining constantly will make  you feel like a rondumal.

(c)  Dont buy cars worth 16 lakh if u ever want to leave early. Its not living life. Will do  a small piece on this.

(d) Read book Intelligent Investor by graham.

I will do that 10 percent thing.But after some time.1 month.

Before that certain tools to deal and understand money have to be taught.
My understanding people here not comfortable with thinking about money.1 cr or 2 cr appears to be a lot. This is small amount when you think 20 years hence.

Notes

1. When one does resettlement course at IIM confidence comes. Reason is there they talk in crores. Normally hundred of crores. Refreshing change from speculating whether ration per day should be 97 rs or 207 rs.

2. Phone calls to me have reduced which is a relief. Any doubt in this one you can post a query.

3. If anything written above hurt anybody s sensibilities than i am not sorry as it was intentional. To expose yourself to larger possibilities which life holds.

4. Its ironical that

Baharwale ( civilians) Fauj Main Aane Se Darte Hain (marne ka darr) .
Aur Fauji Bahar Jaane (retirement) Se darte hain (jeene ka darr).

5. People who have the talent and courage to face death should also develop talent and courage to face life.

More on this how to achieve this tangibly in real world in next one.

Pls continue on this journey of trying to live a purposeful life.

9911702005.

PMR Misconceptions Article 3 - by Amit Sangwan

PMR -  Misconceptions, Fears, Go-No Go Criterion  and Some Tips

Article number 03 in PMR series by
Amit Sangwan

1. I have recieved a lot of feedback and queries for previous two articles. Will try to address most of them here. Please save these articles. Re read them. Once the series of seven over , full clarity on subject will emerge.

2. The Equation :-

S - T- A- B - C - D = P + R

(i)  Where S is your total monthly salary . Left side of payslip.

(ii)   T is tax per month which goes to government.

(iii) A is agis subscription
(iv) B is average monthly loss you incur because of  extra travel expense  associated with uncertainities of service life. Also add your daily commute for work expense in this.

(v) C social mandatory expenses for obligatory parties , mess bills, travel for parents health ,marriages etc

(vi) D is extra cost of running 2 establishments because of field postings.All this is average per month. This will also include your commuted amount divided by 15 (approx 3000 rs )

(vii) P is pension per month. How you calculate this. Your basic salary is at 20 yrs is 147500 and Msp is 15500.
So total is 163000 rs.
Pension becomes 50 percent of this. ie 81500.
This is called basic pension.so basic pension is 81500.
50 percent of this gets commuted.ie 40750.
Depending on your  age commutation factor is there.say about 9.1 for 42 year old.it means commutation amount will be 9.1x12 (months)×40750=45 lakhs.
Residual pension is basic pension minus commuted pension ie 81500 minus 40750 =40750.
Pension in bank is residual pension plus DA on 81500.
So if DA is 20 percent then
Pension going in bank is 40750 plus .2x81750=57000.

(viii) R is 10 percent return on retirement corpus which is namely
Leave encashment
Gratuity
Commutation
Agis survival benefit.
It does not include PF.

3.  I have summarised my article 2 in above equation. In future context i will refer to it as The Equation. If you understand this equation, then confusion about future after PMR will reduce drastically.

4. Again putting in words, essence of equation is that after 20 years financially there is no difference whether you work on not.

5. Misconceptions and Fears
During the feed back of previous articles I encountered following

(a) My qualification is just BA

How does it make a difference. Refer Equation. No difference it makes.You can afford to sit at home and do nothing. I am not advocating that you actually dont do anything.But there is no fire.

(b) I am worried for my kids education

How is it linked to PMR. In fact if you are really worried then instead of going to field and leaving all burden on your wife ,you make take PMR and be with your kids.This way you will be there to guide and help them.

(c) I dont know what job i will get or which courses should I do.mba or something else.I have done from symbiosis

The problem with most ex nda(dont troll me .i am also one) is that they have not seen failure and struggle.Because just after 12th they have become c/o 56 APO.
Mba wont help unless from IIM or ISB.
But why in 40 s you want to struggle again.When will you live.

(d) My coursemate or unit type has promised ki adm offr ko itna ho jayega

Please dont rely on all this.Never works that way.Your friend is not sure of his next months pay.Only if your close friend is running his own venture, then it has some meaning.

6 . The Go-No Go Criterion

Pilots may understand above.
For rest following 3 issues  should be clear or sorted out before you put your PMR application. If not than as per me it wont be a smooth transition and not advisable

(a) City or town where you will stay should be decided beforehand.

People will ask how can I do this.I dont know where my job may be. Answer is for the benefit and safety of the equation to kick in this has be known.This can be hometown where parents house is there or city where you own a property in which you will go. It is possible this may be a city where you do not own a property and will stay on rent.But then you should own a property (1 or 2)  somewhere else which will pay for this property ka rent. If you cant satisfy this condition dont leave.

(b) Wife fully on board with the decision of PMR

Depending on how successful your career is going, ladies do enjoy lot of comfort and khushi time in fauj. Whether its sahayak or may be a cook driver etc or the general safety net of fauj. She may actually not feel your angst of stagnating.
Some may not want to relocate to in laws place.
Some may be happy with arrangement of you being in field and she teaching in army school. She visiting you for 2 months.You visiting her for 2 months. Her parents visiting her for 2 months.And she not seeing your parents at all.
This arrangement is heaven for her. So discuss and discuss load sharing after retirement with her. Otherwise you will be the sahayak.Wont feel nice especially if you have commanded a unit.
She may not allow your leaving the fauj .
Dangers of above arrangement of you staying away is that man is reduced to being Atm.
Your sex life finished. Children and family get used to staying without you.
After some times tolerating you for 2 months leave will become difficult for them. Basically you will lose control of family.All this happens very slowly and is not easily discernible.
Please remember the equation at top has been understood by many before all of you trading this article but still people continue like zombies because of this important reason.
If your wife is domineering and you are in this situatoon then you  wont be able to leave .she will throw 20 conditions at you like show me the job before leaving.let kid finish his 12th.Let this tenure finish.Lets see next posting. You go to port blair. We will retain accomadation here and we will get island allowance.dont worry we will visit you for 2 months there.
You do qualification first.
I may be the only expert in the country to get fauji men out of this peculiar situation.If you do require help pls send query.

(c) Alcohol

If you drink daily and look forward to excuses to party and celebrate than pls dont leave.Because these habits can work in fauj not outside.
As a test leave alcohol for 3 months.If you succeed than go ahead put up PMR.
Why i am making an issue of this seemingly normal thing is that when you leave things may not be rosy in short term and being a habitual drinker you may tip to other side of being heavy drinker.Because definately when you leave a job self esteem issues kick in and with combination of a kaleshi wife it can become dangerous.

7. Actionable points

(a) wife s role is crucial. She should pick a job in your selected city. Teacher job with 30 to 45 k salary good enough.

(b) Select the city first and then the job in that place  only.Not vice versa.

(c) City should have some connection.For south indians Chennai , Bangalore, Hyderabad or Kochi. North indian Delhi Gurgaon  or Chandigarh. Pune or MMR for Marathi guys. Staying in a city very culturally different is not enjoyable in long run. Remember here its for long haul. Not 2 year tenure.

(d) Please carry out test whether you are alcohol dependent or not by leaving for 3 months.

8.  Before taking plunge sort out above issued.There is per se no finiancial risk.  It's more of  a mental thing. Also dont be desperate in seeking any job which comes your way. Take 6 months off. Figure out things.(On these things is article no. 5 especially for infantry guys who always feel overwhelmed vis a vis the techies)
Spend time with parents. If you are sainik school type it would be more than 33 years since you left them. Watch your kids grow. Let memsahib do the job and bring in the moolah .Enjoy role reversal for 6 months. Encourage her to do her own thing. Remember her energy and enthusiasm levels normally will be higher than yours since you have just stopped chakki peesing after 25  (training included).

9. Next article  will be on utilising retirement corpus.

10. Hoping people get essence of above and some points resonate with them.

Note:-

1. When I wrote in last article no calls please only connect by whatsapp what i meant was whatsapp message not whatsapp video calls.😂

2. I am an introvert person. Also please stop speculating which arm I am from. I can say I am a fauji kid. Father retd Col from infantry.Ok take some more Punjab regiment.

3. My interest lies primarily in financial planning, numeralogy , marriage counselling and career planning for kids.

4. My idea is to offer mental models which can be used as tools to navigate the maze of life. Like a carpenter or plumber uses tools to do jobs . These tools will not only solve the problem but most likely dissolve them also.

5. So tool for today

Never Ever Compare Your Worst With Anybody Else ' s Best.It Will Only Lead To Misery.

Explanation

(i) His wife is prettier than mine.But you may not know the pretty lady doesnt know how to cook and keeps the house in a mess compared to jannat your wife has made for you.

(ii) Faujis are disadvantaged vis a vis ias
Do u know they have 40 postings in 20 years ,with mind boggling public dealing at cost of personal time and can be suspended at drop of hat.Also if they are so good please make your kids  ias.

(iii) I have a Xuv 500 he has a Mercedes .

Probanly he is in debt for the car and you habe 40 lakh worth of shares in your demat account.

9911702005.

Psychological aspects - by Amit Sangwan

Psychological aspects at play when one has to take decision of PMR and how to go about it

By Amit Sangwan

1.  Decision to take Premature release as they call in army or premature separation from service as they call in air force is an easy one.Yes no error here it's an easy one.

2. But for this to be an easy one there has to be a sense of clarity in the individual concerned. In this write up I will try to cover up various aspects influencing this decision. Also this is primarily for superseded officers. And not to demotivate the stars.So please read it, keeping this in mind.

3. One of the foremost reasons for officers  in armed forces to think of quitting is supersession or knowing for sure that next rank may not come. Other reasons may be spouse career, stability , children education, parents health etc. But normally it's seen that these factors come in play only once the career advancement is sealed. Rare to see officers on path of becoming 2 or 3 stars leaving early.

4.  Mostly the  fate of people is sealed by 18 years of service. For some hon haar guys it happens even earlier.

5. It requires a minimum of 1 year for an intelligent person to plan his exit. For lesser mortals it will take a maximum of 3 years. So if at 18 years your decision taken then 20 to 21 years of service is what one can  leave.

6.  It has to be understood that continuing after supersession is like being in a bad marriage. There is no mutual trust, love, respect  and affection.   
Only reason one gives for continuing is for kids sake. But actual reason is inability to come out of comfort zone.

7. Actually it's not even comfort zone. Situation is bad . It's just one get used to it so much that it starts appearing comfortable.
One should never compromise with self esteem.

8. In life events can be a  failure. Like you may fail an exam or miss a promotion  board. But a person can never be a failure unless he make an event happening in life as life itself. Some one dimensional guys who have not mentally engaged themselves in various other facets of life ,find it difficult to take this decision.

9. For people knowing aviation there is an example conveying this  subtle message.
In fighter flying in case you fly a single engine fighter and the engine stops or flames out. There are set cut off heights below which you eject instantaneously. Those cut off s are ingrained as second nature as time available can be less than second. Same cut off can be there in our lives.

10. Bare minimums in life. If they are triggered then decision is taken instantly. It requires purposeful and conscious  living.

11.  Now coming back to decision making aspect.There is no financial incentive to work after 20 years . It is big article in itself and I am working on it.But right now please take my word for it. Only problem is cash flow issues which come immediately after retirement for few months.

12.  They can be easily overcome with help of an expert like me that too free for friends and coursemates. There are not enough of them focussing on faujis.

13.  Even situations where officer has loan pending and a property in Greater Noida or Mohali which is stuck can be overcome. These 2 are my favourite example because as per my estimates about 25 percent can't take PMR because this specific reason.

14. Other reason is getting stuck with Carriapa Vihar in Delhi seperated accomadation where memsaab is teaching in a school and our guy is going from one hard area to other so that house stays. This they say is for kids sake. This is just an example the city may change but template stays.

15.  Above template is misery. I have expertise on this issue. If somebody following or wanting to follow above example  pls contact. I will tell the pitfalls and devastating effects of above arrangement.

16. Now some actionable points. We are average of 5 people whom we chose to spend are maximum time with.
So choose your company wisely.

17. Some traits which if you have then it will not be easy to leave fauj.  I am not saying that these traits are bad or people having them are not good. It's just that if you have more than 50 percent of following it will be that much tougher.

a)  You drink alcohol daily.

b)  You associate too much with tag of being fauji. Small issues in media vis a vis fauj raise your blood.

c) You look forward to perks of Sahayak,gaadi ,guest room , party etc.

d) Your spouse has never worked. Doesnt want to work. Or doesn't have the qualification  for  any kind of jobs.

e)  You do not own a  house anywhere .

f)  You have bought more than 2 cars in last 15 years.

g)  You don't know sip n S.I.P. mean different.

h) You have had lot of liabilities with respect to family.

j)  Whatever friends you have are fauji n coursemates n unit types only.

k) You don't have a mentor in your life.ie a person whom you could look for advice and suggestions.

l) Your wife doesn't get along with your parents and also you are not hot favourite damaad of your in laws.

m)  Articles like this are bullshit for you.

n) You don't read books.Like not even one in a month.

o) You love to play golf.

p)  You feel bad about Money. And identify with statements like Money is not everything. Friends are what one require in life.just notice I have put capital M in Money.

q) You have never played Monopoly

r)  You have not read the book Rich Dad Poor Dad.

18.  From above you can learn that make your relationships stronger and better if you want to leave. Don't spend time drinking on weekends with people who add no value in your life.That is not enjoyment.In 40 s when you want to leave that is biggest waste of time you can do.

19. This luxury only for officers who are doing well and are here to stay till 56 or 60 yrs. They are doing their networking to grow in service. Their company will not help cause of people wanting to leave. Avoid them even if they are friends. Reconnect with them later on once you are settled outside.

20. Biggest psychological reason preventing in taking this step of PMR has it's origin in first and second term of NDA.
If we remember our end of term during those days,the time spent in room of senior pal or hiding in science block escaping the screw in squadron was considered smartness. But after 20 years if some one feels he is not doing much and tankha is good and time pass ho raha hai.
Such though is foolishness. Because in NDA there  was a goal and growth was there every 6 months.

21. Doing this at 20 years is not passing time but wasting life.
So if you get psychology right then the finance can be worked subsequently.

22. If you connect with above and have specific issues to be addressed especially how to go exactly go about  I will like to help. But only on WhatsApp mssg. As time schedule is packed.

23. All others who are doing well please continue on this journey and be the change you wanted to always bring.

24. In subsequent articles I will be focussing on the financial aspects of this process.  Earlier you work on it ,easier it will be. Also I am not advocating any job after retirement. You can do without that. More on that in next article.

Feed back welcome.But don't destroy or troll. As effort goes in thinking and writing.

WhatsApp 9911702005.

The Story behind SCB Medical College

Cuttack was a major stop for the pilgrims of the Old Jagannath Sadak. The annual influx preceding the Rath Yatra saw hordes of pilgrims, many of whom were suffering from some sickness. After developing the road, the Marathas had set up dispensaries all along the way where sick pilgrims were given traditional medicines. The pilgrims were often stricken with malaria, cholera and other diseases brought upon by insanitary conditions and unclean drinking water. Many of the pilgrims were old and infirm, and needed medical attention.

The first dispensary was set up in the 1780 in the place where the present Anatomy department is located. Native practitioners, called Kaviraj or Vaidyas, practised medicine according to the rules laid down in the ancient texts. They used plants, herbs, minerals and different body parts of birds and animals as medicines.

The British domination over Odisha began in 1803 and brought changes in the political, economic and social environment of the region. The British faced health problem as the climate of Odisha was different from other parts of British India. Many of them suffered from Smallpox, Cholera, Malaria and Diarrhoea. They realised the importance of the dispensary and converted it into a small hospital. Regular financial assistance was made available and the hospital ran smoothly for years thereafter.  The Englishmen who were placed in different parts of the state would come for treatment to Cuttack. There are various accounts of seafarers and mariners who were taken to the Cuttack Hospital when they fell sick.

After the Great Famine of 1866,the recommendations of the Famine Commission Report forced the rulers to undertake major development work like digging canals, building roads and bringing the railway in order to improve the communication links. Dr. Stewart, the Civil Surgeon at Cuttack mooted the idea of a Medical School, using the hospital as a nucleus. He got the support of the Lt. Governor Sir Richard Temple and the Divisional Commissioner T.E Ravenshaw and the Orissa Medical School was born in 1875. It trained locals as Licentiate Medical Practitioners (LMP). The British soon introduced the so called modern medicines that were making a breakthrough in England and the Continent.

The Medical School was spread over an area of 90 acres most of which was swampy on the riverside. The land was reclaimed and the structures were made in a gradual manner. Most of the old buildings were of the Indo-Saracenic style. The buildings were done up in a majestic style with colonnades andpillars. These were among the first buildings that were built in conformance to advanced British structural engineering standards of the 1800s, which came to include infrastructures composed of iron, steel, wooden beams and poured concrete.

When Odisha became a separate State on linguistic grounds in 1936, there were hardly any educational institutes. Prime Minister Biswanath Das took office in June 1937 and started establishing schools and colleges. In 1943, Maharaja Krushna Chandra Gajapati Narayan Deb took over and constituted a committee, headed by Pandit Nilakantha Das, for the development of education in the State. The establishment of Utkal University in 1943 heralded a subsequent period of hectic educational proliferation and Odisha got seven more colleges including a Medical College.

Major A. T. Anderson who happened to be the Principal of the Orissa Medical School and the Civil Surgeon of Cuttack, urged to upgrade the existing medical school to a College. The Maharaja’s council of ministers in general and Pt. Godavarish Mishra in particular worked assiduously to prevail upon the Medical Council of India, as a result of which, the Orissa Medical College was born on the 1st of June 1944, admitting the first batch of 22 students into the M.B.B.S. Degree course. As post war Britain did not have the finances, the benevolent Maharaja of Mayurbhanj, Sriram Chandra Bhanj Deo made a generous grant and funded the setting up of the new college. For this gesture, the Government of Odisha renamed the Orissa Medical College as S.C.B.Medical College in the year 1951.

Today, almost all the old structures have been demolished for making newer buildings. Only a few like the present X-Ray and Pathology departments remain the original bold structures. The small Post office at the rear of the Pathology building is the last remaining original structure of the Old Hospital. Unfortunately, most of the old instruments, equipment, laboratories, and machinery have been destroyed. The library has many rare volumes that should be properly preserved. Very few vestiges of the old times remain. There are plans to demolish some of the old buildings and make towers for increased capacity. The College should be preserved as it is one of the oldest hospitals and medical colleges of the country with a lot of heritage value.

Medical facilities Mumbai

Many people come to Bombay for  medical treatment. This may be useful information. Please keep it saved:

Radhakishan Damani, the promoter of *DMart*, has created a facility at *Gopal Mansion* near *Metro Cinema Queens Road Mumbai* containing 53 rooms for stay of family of patients undergoing treatment in Mumbai. It was inaugurated yesterday. It's very nicely done.  May refer for any such genuine need for well wishers.
Address:
Gopal Mansion
50, Queen Road (Cinema Lane)
Near Metro Cinema
Mumbai 400 020
Contact Details:
Whattsup App. Mobile
91 88799 86893
e.mail:
fd@gopalmansion.com
gm@gopalmansion.com
Tel No: 022 22055001/02
www.gopalmansion.com
Rates are
Very Reasonable
Breakfast 30
Lunch Thaali 75
Dinner Thaali  75
Rooms at   800
Kitchen and Dining Very Spacious.
Please share widely. Hi All..
If you have relatives in Mumbai then pl. share this information to all. *We provide TIFFIN to  patients & relatives without any charges.* Area - South Mumbai
Hospitals:- Jaslok, Saifee, Bombay, Nair, J.J, all near to Mumbai Central and VT....
Contact details:-
U can also WhatsApp us
*Kalpesh Lodha 9967236006*
*Manoj Patwari 9820645070*
*Amrat Jain 9029373751*
At least forward to people who might be able to help by forwarding to others.
*R.K. Charitable Trust* have started Home Medical Equipment like
* *Wheelchair*
* *Suction Machine*
* *Waterbed*
* *Airbed*
* *Walker*
Free of cost for use (with Refundable Deposit)
Contact person:-
*Sanjay Shah 9322516628*
*Chintan Pandya :- 7666311942*
*Add:-17-D, Nisarga Apt. Near IDBI bank, Mahavir Nagar, Kandivali West Mumbai 67*
*SAI VILAYATRAI CHARITABLE POLYCLINIC*
"Kambar Darbar" Shantilal Modi Road, Opp Bhurabbhai Hall, Kandivali(W), Mumbai.
*T: 02265811644*
*0222865 9615*
*www.kambardarbar.org*
*DAY TIME CHGES*
1. *General OPD* ₹1/- only with medicines
Daily _11-30 am & 4-30 pm_
2. *X-Ray*  ₹100/-
Daily _9 am to 5-00 pm_  
3. *ECG* ₹70.00
Daily _*9.00 am to11.00 am*_
4. *Pathology*  Highly subsidised rates. CBC ₹20/- only.
Daily _8.30 am to 12.00 noon_
5. *Eye Checkup* ₹20/-
Daily _3.30 pm_
Morn _9am: Wed, Fri, Sat._
Cataract Surgery: FREE with best Indian lens.
Lazer (Phaco) surgery:
₹5,300/- US imported non-foldable lens
₹10,000/- UK imported foldable aspheric lens.(Outside rateRs 40,000/-
6. *Gynecology/ IVF/ Hysteroscopy*
_Tue/Thur/Fri. 1 pm._ 
7. *Skin Spl.*  ₹20.00
Mon _3.30 pm_
8. *Orthopedic* ₹20.00
Tue _3.30 pm_
9. *Diabetic & Cardio*  ₹20.00
Wed _4.30 pm_
10. *Child Spl.*  ₹20.00
Fri  _5.30 pm_    
11.Ear / Nose / Throat*  ₹20.00
Wed / Friday _3.30 pm_
12. *Dental* Nominal Charges R C charges: ₹750/-.
Daily _9.00 am to 1.00 pm_Daily _2.00 pm to 5.00 pm_
13. *Dialysis* Free for BPL patients  
Daily ( Phone: 28067645 )
14. *Cervical cancer* (Uterus Cancer) Test Free
15. *Anti Cancer Injection* for Girls aged 14 yrs to 24 yrs.
16. *Hearing Aids* for Sr. Citizens @ 50% of the actual cost. Free for deserving children by Birth.
17. *Notebooks and other staionery items* to all students on discounted rates during summer vacation.
18. *Scholarship* for Higher Education for deserving candidates for *BE MBBS CA CS BPHARM MCA & selected  MBA students.*Visit*
www.kambarda bar.org & submit Form with all required enclosures.
Kindly contact on email p_zijn zasainani@rediffmail.com
*NO NEED OF ANY  RECOMMENDATIONS.*KINDLY SHARE*

Sainik Bhavan Secundrabad

The guest rooms  with  cafeteria services at Golden palm Sainik Bhavan, Secunderabad Railway station will be fully functional wef 24 Dec (Monday) onwards.

Nearly 20 guest rooms with state of art furniture and TV are ready for occupation.

It is at a walking distance from Secunderabad Railway station.

ECHS polyclinic is also located in the same building.

CSD canteen will be established shortly.

For bookings please contact: w.e.f.24.12.2018.:::
040 27803127

Please Accord maximum publicity.

Google pin loc is att.
Regards

Col P Ramesh Kumar Director Sainik welfare Telangana state

Travel Tip : Coin in freezer

HERE’S WHY YOU SHOULD LEAVE A COIN IN THE FREEZER, EVERY TIME BEFORE YOU LEAVE THE HOUSE. AMAZING!

Well, have you ever came from work or some long trip and noticed that your digital clocks showing the wrong time?

You might think: “Certainly there was no power outage!”. Even if it was, you simply cannot know how long there was no electricity, right?

There is possibility that it was for several days, leading to defrost food and its deterioration. Once the electricity comes back, foods freeze again and you almost do not notice that they were thawed.

It is fact that this can be really dangerous as certain types of foods are at risk of spreading salmonella and other bacteria!

Below we are going to present you a way to find out if and how long your freezer was without electricity!

Now you can find out if you can consume the food or it was too long being in warm.

For this you need:

• a cup
• a coin
• water

First pour water into a cup and place it in the freezer. When the water in the cup is frozen, put a coin on top of the frozen water in the cup and then return it to the freezer.

After returning home from holiday, before taking out the food from the freezer, look at where the coin is!

If the coin is still at the top or in the middle of the cup, there was no power failure or power outage was for a short time, so the water was only partly melted.

If the coin is at the bottom of a cup, it means that electricity failure was for a long time, so the water completely dissolved, and the coin sinks all the way to the bottom of the cup. At that point, it is advisable not to consume the foods from the freezer.

Brilliant trick which is supereasy to use. This is particularly useful when you go on longer trips!

Pranayam + Meditation

WHY Pranayam + MEDITATION are  necessary from the MEDICAL  point of view ?

From the time of the  birth till death the heart works continuously.

Everyday the heart pumps 7000 litres of blood, of which 70% blood is pumped to the brain and the remaining 30%  to the rest of body.

How does the heart work so much efficiently and effectively ?

Heart works effectively because it follows a discipline. In normal conditions the heart takes 0.3 secs to contract (systole) and 0.5 secs to relax (diastole). So 0.3+0.5=0.8 secs are required by the heart to complete one beat (1 cardiac cycle).That means in 1 min, the heart beats 72 times which is considered as normal heart beat.

During the relaxing phase of 0.5 secs the impure blood travels through the lungs and becomes 100 % pure.

In some stressful conditions , the body demands more blood in less time and in this situation the heart reduces the relaxing period of 0.5 secs to 0.4 secs.Thus in this case the heart beats 82 times in 1min and only 80% of blood gets purified.

On more and more demand the relaxing time is further reduced to 0.3 secs & then only 60% of blood is purified.

Imagine the consequences of the lesser Oxygenated blood circulating in our Arteries!

Deep Breathing , my friends , is the key to ensure better Oxygenation of the blood.

Factors responsible for the activity of the brain:

1.  25-30% is due to the Diet we consume.

2. 70-75% is due to the emotions, attitude, memories and other processes of the brain.

Thus, to calm the brain and reduce the demand on the heart to pump more and more blood , brain needs to be given a rest.

Meditation is the most useful tool to calm an agitated mind.

When we sit with eyes closed and concentrate on Brow Point ( Agya Chakra ), the brain gets calmer,  heart gets rested,  thus insulating us from the Dis-eases of Heart & Brain.

PRANAYAM + MEDITATION IS THE KEY TO THE REAL HEALING.

15 minutes per day is all it takes to practise these.

Is it too much ?

BE HEALTHY. BE EVER-HAPPY

Few facts of Bhagavad Gita

What is the Bhagavad-Gita?

The Bhagavad-Gita is the eternal message of spiritual wisdom from ancient India. The word Gita means song and the word Bhagavad means God, often the Bhagavad-Gita is called the Song of God.

Why is the Bhagavad-Gita called a song if it is spoken?

Because its rhyming meter is so beautifully harmonic and melodious when spoken perfectly.

What is the name of this rhyming meter?

It is called Anustup and contains 32 syllables in each verse.

Who originally spoke the Bhagavad-Gita?

Lord Krishna originally spoke the Bhagavad-Gita.

Where was the Bhagavad-Gita originally spoken?

In India at the holy land of Kuruksetra.

Why is the land of Kuruksetra so holy?

Because of benedictions given to King Kuru by Brahma that anyone dying in Kuruksetra while performing penance or while fighting in battle will be promoted directly to the heavenly planets.

Where is the Bhagavad-Gita to be found?

In the monumental, historical epic Mahabharata written by Vedavyasa.

What is the historical epic Mahabharta?
The Mahabharata is the most voluminous book the world has ever known. The Mahabharata covers the history of the earth from the time of creation in relation to India. Composed in 100,000 rhyming quatrain couplets the Mahabharata is seven times the size of the Illiad written by Homer.

Who is Vedavyasa?

Vedavyasa is the divine saint and incarnation who authored the Srimad Bhagavatam, Vedanta Sutra, the 108 Puranas, composed and divided the Vedas into the Rik, Yajur, Artharva and Sama Vedas, and wrote the the great historical treatise Mahabharata known as the fifth Veda. His full name is Krishna Dvaipayana Vyasa and he was the son of sage Parasara and mother Satyavati.

Why is the Mahabharata known as the fifth Veda?

Because it is revealed in the Vedic scripture Bhavisya Purana III.VII.II that the fifth Veda written by Vedavyasa is called the Mahabharata.

What are the special characteristics of the Mahabharata?

The Mahabharata has no restrictions of qualification as to who can hear it or read it. Everyone regardless of caste or social position may hear or read it at any time. Vedavyasa wrote it with the view not to exclude all the people in the worlds who are outside of the Vedic culture. He himself has explained that the Mahabharata contains the essence of all the purports of the Vedas. This we see is true and it is also written in a very intriguing and dramatically narrative form.

What about the Aryan invasion theory being the source of the Bhagavad-Gita?

The Aryan invasion theory has been proven in the 1990s not to have a shred of truth in it. Indologists the world over have realized that the Aryans are the Hindus themselves.

What is the size of the Bhagavad-Gita?

The Bhagavad-Gita is composed of 700 Sanskrit verses contained within 18 chapters, divided into three sections each consisting of six chapters. They are Karma Yoga the yoga of actions. Bhakti Yoga the yoga of devotion and Jnana Yoga the yoga of knowledge.

When was the Bhagavad-Gita spoken?

The Mahabharata confirms that Lord Krishna spoke the Bhagavad-Gita to Arjuna at the Battle of Kuruksetra in 3137 B.C.. According to specific astrological references in the Vedic scriptures, the year 3102 B.C. is the beginning of kali yuga which began 35 years after the battle 5000 years ago. If calculated accurately it goes to 5151years from today.

What is the opinion of western scholars from ancient times?

According to the writings of both the Greek and the Romans such as Pliny, Arrian and Solinus as well as Megastathanes who wrote a history of ancient India and who was present as an eyewitness when Alexander the Great arrived in India in 326 B.C. was that before him were 154 kings who ruled back to 6777 B.C. This also follows the Vedic understanding.

When was the Bhagavad-Gita first translated into English?

The first English edition of the Bhagavad-Gita was in 1785 by Charles Wilkins in London, England. This was only 174 years after the translation of the King James Bible in 1611.

Was the Bhagavad-Gita also translated into other languages?

Yes. The Bhagavad-Gita was translated into Latin in 1823 by Schlegel. It was translated into German in 1826 by Von Humbolt. It was translated into French in 1846 by Lassens and it was translated into Greek in 1848 by Galanos to mention but a few.

What was the original language of the Bhagavad-Gita?

The original language of the Bhagavad-Gita was classical Sanskrit from India.

Why is Srimad often written before the Bhagavad-Gita?
 
The word Srimad is a title of great respect. This is given because the Bhagavad-Gita reveals the essence of all spiritual knowledge.

Is history aware of the greatness of Srimad Bhagavad-Gita?

Historically many very extraordinary people such as Albert Einsten, Mahatma Gandhi, Dr. Albert Schweitzer, Herman Hesse, Ralph Waldo Emerson, Aldous Huxley, Rudolph Steiner and Nikola Tesla to name but a few have read Srimad Bhagavad-Gita and were inspired by its timeless wisdom.

What can be learned by the study of Srimad Bhagavad-Gita?

Accurate, fundamental knowledge about God, the ultimate truth, creation, birth and death, the results of actions, the eternal soul, liberation and the purpose as well as the goal of human existence.

What is Prayer?

Prayer doesn't just happen when we kneel or put hands together and focus and expect things from God

Instead...

Thinking positive and wishing good for others - That is prayer

When you hug a friend - That's a prayer

When you cook something to nourish family and friends- That's a prayer

When we send off our near and dear ones and say 'Drive Safely' or 'Be Safe'- That's prayer

When you are helping someone in need by giving your time and energy - You are praying

Prayer is a Vibration- A feeling - A thought.

Prayer is the voice of love, friendship, genuine relationships...

Jokes Collection - 1

Wife to hubby: Darling in pictures of Shiva-Parvati, Shiva has a Trishool.
In pictures of Vishnu-Lakshmi, Vishnu has Chakra in hand and pictures of Rama-Sita, Rama has bow in hand. But in case of Krishna-Radha, he has flute in hand. Why is this?

Hubby: You see dear the three God's whom you mentioned first are with the wives. That is why they have weapons. Krishna is with his girlfriend. Hence no weapons required. This shows when it comes to dealing with wives, even Gods need protection.😁😂😜

---

Doctor to female patient: U r looking so weak & exhausted... R u taking 3 meals a day as I had advised u ?

Female patient : " ohhh no !!!! Where is Your compounder who typed 3 Males a day..!!!

---

Wife : Shall I prepare Sambar or Rasam today.
Husband : First make it, we will name it later.

---

A frustrated husband in front of his laptop:

Dear google, please do not behave like my wife...
Please allow me to complete my sentence before you start guessing & suggesting.

---

A married man's prayer;

Dear God, u gave me childhood, u took it away
U gave me youth, u took it away.
U gave me a wife.......... Its been years now,
just reminding u......

---

A man brings his best buddy home for dinner unannounced at 5:30 after work.
His wife begins screaming at him and his friend just sits and listens in.
"My hair & makeup are not done, the house is a mess, the dishes are not done, I'm still in my pajamas and I can't be bothered with cooking tonight ! Why the hell did you bring him home for?"

Husband answers "Because he's thinking of getting married"

---

Husband: I found Aladin's lamp today.

Wife: wow, what did u ask for darling??

Husband: I asked him to increase your brain ten times..

Wife: oh..jaan..luv u so much.. Did he do that??

Husband: He laughed and said multiplication doesn't apply on zero.

---

Employee: Sir You are like a lion in the office! What about at home??

Boss: I am a lion at home too, But Goddess Durga sits on the lion there !

---

A man gifted his wife a diamond necklace for their anniversary and wife didn't speak to him for 6 months.

Was the necklace FAKE?

Nooooo! That was the deal :)

---

A couple was having dinner at a fancy restaurant. As the food was served, the husband said, "the food looks delicious, let's eat."

Wife: honey.....you say prayer before eating at home.

Husband: that's at home sweetheart......here the chef knows how to cook.


Best Slogan on a
MAN's T-Shirt :  "Please Do Not Disturb me, I am Married and already very Disturbed"

---

A conversation between a husband and wife when their son stood first in the class test.
Husband : "He has got my brains."
Wife : "Must be true.Mine is still with me."

---

A little Trivia

A little trivia to make you seem smart !   

Glass  takes one million years to decompose, which means it never wears out and can be recycled an infinite amount of times.    

Gold  is the only metal that doesn't rust, even if it's buried in the ground for thousands of years.    

Your tongue is the only muscle in your body that is attached at only one end.    

If you stop getting thirsty, you need to drink more water. When a human body is dehydrated, its thirst mechanism shuts off.     

Zero  is the only number that cannot be represented by Roman numerals.    

Kits  were used in the American Civil War to deliver letters and newspapers.    

The song, Auld Lang Syne ,  is sung at the stroke of midnight in almost every    

English-speaking country in the world to bring in the new year.     

Drinking water after eating reduces the acid in your mouth by 61 percent.     

Peanut oil is used for cooking in submarines because it doesn't smoke unless it's heated above 450F.     

The roar that we hear when we place a seashell next to our ear is not the ocean, but rather the sound of blood surging through the veins in the ear.     

Nine out of every 10 living things live in the ocean.     

The banana cannot reproduce itself. It can be propagated only by the hand of man.    

Airports at higher altitudes-require a longer airstrip due to lower air density.    

The University of Alaska spans four time zones.   

The tooth is the only part of the human body that cannot heal itself.   

In ancient Greece tossing an apple to a girl was a traditional proposal of marriage. Catching it meant she accepted.     

Warner Communications paid 28 million for the copyright to the song Happy Birthday.      

Intelligent people have more zinc and copper in their hair.     

A comet's tail always points away from the sun.    

The Swine Flu vaccine in 1976 caused more death and illness than the disease it was intended to prevent.     

Caffeine increases the power of aspirin and other painkillers, that is why it is found in some medicines.     

The military salute is a motion that evolved from medieval times, when knights in   

armor raised their visors to reveal their identity.     

If you get into the bottom of a well or a tall chimney and look up, you can see stars, even in the middle of the day.   

When a person dies, hearing is the last sense to go. The first sense lost is sight.   

In ancient times strangers shook hands to show that they were unarmed.    

Strawberries  are the only fruits whose seeds grow on the outside.    

Avocados  have the highest calories of any fruit at 167 calories per hundred grams.    

The moon-moves about two inches away from the Earth each year.    

The Earth gets 100 tons heavier every day due to falling space dust.   

Due to earth's gravity it is impossible for mountains to be higher than 15,000 meters.    

Mickey Mouse is known as "Topolino" in Italy.    

Soldiers  do not march in step when going across bridges because they could set up a vibration which could be sufficient to knock the bridge down.    

Everything  weighs one percent less at the equator.    

For every extra kilogram carried on a space flight, 530 kg of excess fuel are needed at lift-off.      

The letter J does not appear anywhere on the periodic table of the elements.