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Tuesday, June 25, 2013

Can You Love The One Who...

There’s one in you who’s sweet. 
There’s one in you who’s mean.
Can you love them both?
Can you let them both be seen?

Can you love the one who tries? 
And love her when she fails?
Can you love the one who lies?
And love the one who wails?

Can you love your tears?
Can you love your worry?
Can you love your darkest fears?
Can you love your fury?

Can you love indifference?
Love the one who clings? 
Can you love the vibrant one?
Love the one who sings?

Can you love your addict?
Can you love your thief?
Can you love your vanity?
Can you love your grief?

Can you love your inner child?
And your body as you age?
Can you love your wild side? 
Release her from her cage?
Can you love the one fulfilled? 
And the one who’s not?

Can you love the one who’s chilled?
And whose temper’s hot?
Can you love the weakling? 
The one who’s sometimes sick?

Can you love the warrior? 
Who fights through thin and thick? 

Can you love your crazy?
Can you love your sane?
Love your foolish heart?
Love your scattered brain? 

There’s one in you who’s bored.
 And one who’s often stressed
Can you love them both at once?
And she who tries her best?

If the answer’s “no.”
To some of the above 
Then can you love the one in you

Who’s learning how to love?  

Saturday, June 15, 2013

An ugly thing cannot be made beautiful - J Krishnamurti

She was among a group of people who had come to discuss some serious matter. She must have come out of curiosity, or was brought along by a friend. Well dressed, she held herself with some dignity, and she evidently considered herself very good looking. She was completely self-conscious: conscious of her body, of her looks, of her hair and the impression she was making on others. Her gestures were studied, and from time to time she took different attitudes which she must have thought out with great care. Her whole appearance had about it the air of a long cultivated pose into which she was determined to fit, whatever might happen. The others began to talk of serious things, and during the whole hour or more she maintained her pose. One saw among all those serious and intent faces this self-conscious girl, trying to follow what was being said and to join in the discussion; but no words came out of her. She wanted to show that she too was aware of the problem that was being discussed; but there was bewilderment in her eyes, for she was incapable of taking part in the serious conversation. One saw her quickly withdraw into herself, still maintaining the long-cultivated pose. All spontaneity was being sedulously destroyed. 

Each one cultivates a pose. There is the walk and the pose of a prosperous business man, the smile of one who has arrived; there is the look and the pose of an artist; there is the pose of a respectful disciple, and the pose of a disciplined ascetic. Like that self-conscious girl, the so-called religious man assumes a pose, the pose of self discipline which he has sedulously cultivated through denials and sacrifices. She sacrifices spontaneity for effect, and he immolates himself to achieve an end. Both are concerned with a result, though at different levels; and while his result may be considered socially more beneficial than hers, fundamentally they are similar, one is not superior to the other. Both are unintelligent, for both indicate pettiness of mind. A petty mind is always petty; it cannot be made rich, abundant. Though such a mind may adorn itself or seek to acquire virtue, it remains what it is, a petty, shallow thing, and through so-called growth, experience, it can only be enriched in its own pettiness. An ugly thing cannot be made beautiful. The god of a petty mind is a petty god. A shallow mind does not become fathomless by adorning itself with knowledge and clever phrases, by quoting words of wisdom, or by decorating its outward appearance. Adornments, whether inward or outward, do not make a fathomless mind; and it is this fathomlessness of the mind that gives beauty, not the jewel or the acquired virtue. 

For beauty to come into being, the mind must be choicelessly aware of its own pettiness; there must be an awareness in which comparison has wholly ceased.

Tuesday, June 11, 2013

Mysterious Life Mysterious Me!



And last night's rain was such a relief from the scorching sun, to my thoughts and to my multitasking mind. I somehow feel an inner relief - thanks to much awaited monsoons. It has been breezy since some days and right now I am alone in a huge conference room which has an occupancy of around 10 people - waiting for a meeting to start which was scheduled at 11.00 AM. Its half past 11.00 and no one seems to be interested even to offer a glass of water to my thirsty soul. ;) Sigh - this how most of us work - not giving respect to the TIME. Anyway, since I have some time and I am not sure when exactly the meeting is going to start let me scribble some lines for my blog post. Unfortunately, the battery of my laptop has also given up but I am sure to write something today. And here is my note book and  pencil - and here goes my scribble.

Life takes strange turn at times.There are certain moments when unexpected things happen, when unforeseen things take place and leave us wondering. Wonder stuck mind often goes in the thought process and hence all the thoughts get associated to a feeling. That is how I personally look at it.Trying to recognize such feeling is tough but once the realization is done you find a strange happiness. Its like sitting on the bank of a river after a storm, you see the stream flowing by silently carrying a great deal of debris.When you listen to the calm water it has much to say.Similarly, you watch the movement of yourself, following every thought, every feeling, every intention, every motive and you realize a strange comfort, a strange happiness. You laugh or tears roll out from your eyes. That is how you associate to what you feel. A hearty laugh or a tear from the eye and the realization is MADE. 

Monday, June 3, 2013

Thought on a rainy day!

Taken at # Hyd, 2nd June, 2013

 And the things which keep us apart are the things which keep me going..........

Saturday, May 25, 2013

Seven must - know facts about PPF accounts

The key to wealth creation lies in the practice of saving regularly and systematically. The public provident fund (PPF) is one such long-term investment option that would suit investors of all types. Scoring high on safety, by virtue of it being government backed, this wonderful option comes with tax benefits, loan options and a low maintenance cost. Investment Yogi explains seven must-know facts of a PPF account to make it more profitable for you.

It requires just Rss. 100 to start a PPF account: PPF accounts could be opened by individuals, whether salaried or self-employed, with a minimum initial deposit of just Rs. 100. Accounts could be opened at any branch of the State Bank of India (SBI) or branches of its associated banks. Other nationalized banks which offer this service are Bank of India, Central Bank of India and Bank of Baroda. The general post office too allows opening of a PPF account. Individuals may also open a PPF account on behalf of a minor child of whom they are the guardian.

PPF accounts have a minimum and maximum deposit limit: A minimum deposit of Rs. 500 must be made during one whole financial year. The maximum that could be deposited is Rs. 1,00,000 in a financial year. Deposits could be in either one go, or in flexible installments (in multiples of Rs.10). You could vary the amount and the number of installments, as per your convenience, provided you do not exceed 12 installments in one financial year. Failing to deposit the minimum requirement would lead to your account being discontinued. Interest would, however, continue to accrue. You could regularize the account again on paying the prescribed default fee along with subscription arrears.

Interest calculation in PPF account: The interest rate in your PPF account is calculated on the lowest balance between the fifth and the last day of the month. So to maximize your earnings, try making deposits between the 1st and the 5th of the month. Interest is compounded annually and credited on March 31 each year.

Premature withdrawal from PPF: The entire amount in your account could be withdrawn only on maturity. However, in times of financial crises partial withdrawals are permitted subject to certain ceiling limits. You could withdraw once a year, from the 7th year on wards  Such withdrawals must not exceed 50 per cent of the balance at the end of the fourth year, or 50 per cent of the balance at the end of the immediate preceding year, whichever is lower. Premature closure of a PPF account is permissible only in case of death.

PPF offers multiple tax benefits: Deposits in a PPF account qualify for a deduction under section 80C. Furthermore, the entire maturity amount including the interest is non-taxable. Not only is the interest earned tax free, PPF deposits are exempt from wealth tax too.

Need a loan- Use your PPF: You could take a loan on your PPF deposit, subject to certain terms and conditions. Loans could be taken from the third year onwards till the sixth year. Up to a maximum of 25 per cent of the balance at the end of the 2nd immediately preceding year would be allowed as loan. Such withdrawals are to be repaid within 24 months. Rate of interest charged on the loan would be 2 per cent more than the PPF interest rate prevailing then.

A second loan could be availed as long as you are within the 3rd and the 6th year, and only if the first one is fully repaid. Also note that once you become eligible for withdrawals, no loans would be permitted. Inactive accounts or discontinued accounts are not eligible for loan.

Continuing PPF after the 15-year period: PPF account holders have an option of extending their accounts after the 15 year tenure with or without further subscription, for any period in a block of five years. The balance in the account will continue to earn interest at normal rate as admissible on PPF account till the account is closed. In case the account is extended without contribution, any amount can be withdrawn without restrictions. However, only one withdrawal is allowed per year.

If you continue the account after 15 years, with continued deposit, withdrawal up to 60 per cent of the balance at the beginning of each extended period (block of five years) is permitted.

Info taken from PPF Details

Saturday, May 11, 2013

Impoverishment

Taken @ Hardwar - 2012
“Hungry for love, He looks at you. Thirsty for kindness, He begs of you. Naked for loyalty, He hopes in you. Homeless for shelter in your heart, He asks of you. Will you be that one to Him?” ― Mother Teresa

Friday, May 3, 2013

Overview of Pharma Industry

Following is the presentation which I prepared on Pharma Industry. The PPT covers following topics :

  1. Introduction to Healthcare & different Products
  2. Role of Pharmaceutical in Healthcare
  3. Drug Details 
  4. What a drug is made of ?
  5. Classification of drugs
  6. Product Life Cycle of a Drug
  7. Drug Development Phases
  8. Regulatory Framework & various Regulatory Bodies

I am sharing the link here. I would be glad if it assists someone in understanding the Domain.

Access the link @- Overview of Pharma Industry