Must Read it . It's worth your  time.

It's interesting article by Yogesh Chhabria.
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LATELY, I have been thinking a lot about the Lehman crisis . Spending money that they didn't have and going beyond their means is one of the main reasons for their situation today. In fact that is the cause for the current economic crisis in the US.

When I see all this happening, I can only remember the good old days. Then, karz was bad. People looked down upon those who took loans. Parents would not give their daughter's hand in marriage to a man with loans.

But of course, the times have changed now. Everyone I know has a loan. The buzz word is EMI (equated monthly installment). Today, you can buy everything on EMI - a house, a television, an i-Pod. In fact I know of someone who just bought a fancy BMW 3 series on EMI, instead of buying a cheaper car outright with cash. I mostly prefer to take public transport,
but then I am an old man with old thoughts!

Anyway, coming back to what caused the crisis. Imagine having Rs 2 lakh in your bank account, no regular income, yet buying a house worth Rs 65 lakh, in the hope of selling it for a higher price. Even if the price of the house fell by just 5 per cent (that is Rs 3 lakh), you will go bankrupt. This is what Lehman Brothers did; with around USD 20 billion they went and
bought assets worth over USD 600 billion. Isn't it suicidal and simply foolish?

I am sure things would have been different, had I been the head of Lehman brothers. But who wants an old conservative man like me to head a complex financial institution.
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But there are a few lessons that we can learn:

1. Live a balanced life and avoid overspending.

Tip: As soon as you get your monthly salary, set aside a fixed amount, usually 35 per cent, for insurance, savings and investments. You can then spend the rest.

2. Not all loans are bad. Loans that are 'need based' (home loans, education loans) can always find a place in your finances against those that are largely 'want based' (personal loans, car loans).

3. Borrow only if repayment is financially comfortable. A thumb rule: Keep EMIs within 30 per cent of your monthly income.

In that respect, there is one American who I really respect - Warren Buffet. He has lived in the same ordinary house for over three decades, drives his own medium sized car and leads an extremely regular 'middle class' life. If that's all it takes for the richest person on earth to be happy, why do all of us need to take extra stress just so that we can get things which aren't even essential?

India still has a lot of growth ahead and the future holds immense opportunities for us. Let us make the most of it and save and invest it wisely instead of wasting our precious little on things we don't need.

Courtesy : Hetal

What is Common between : Krishna, Ram, Gandhiji & Jesus..?
Sardar ji Replied : All are Born on Government Holidays.

A Kid asks the Priest : Father what is your Favourite Pastime...?
The Priest pats the kids head & replys : NUN My Child NUN....!!

Santa : I am a Proud Sardar, My son is in Medical College,
Banta : Really, what is he studing,
Santa : No is not studying, they r Studying him.

Santa Banta ko 3 live bomb mile, Police ko dene chale,
Santa: agar koi bomb raste mai Phat jaye to..?
Banta : Jhooth bol denge 2 hi mile the...!!!

Two days of powercut in Delhi had made life miserable. Worst affected was Delhi Metro station where families of Santa & Banta were struck for 48 hrs on escalators

Santa: I have swallowed a key.
Doctor: When?
Santa: 3 months back!
Doctor: What were you doing till now?
Santa: I was using duplicate key, now I have lost it too.

Ultimate answer while changing the job.
Interviewer: Why did you changed your last job?
Santa: Because the company shifted and didn't tell me where..

Santa: Bhaisahab time kya hua?
Man: Sham ke 6 baje hain!
Santa: Sala, subah se pooch raha hoon, sab alag alag time bata rahe hain

Santa: Oh yaar main badi mushkil mein hoon. Meri biwi mujhse ek pappi ka Ek rupeya leti hai.
Banta: Oh yaar tu lucky hai, auron se to woh 5 rupye leti hai.

Santa singh and Banta singh were always boasting of their parents achievements to each other.
Santa singh : Have you ever heard of the Suez Canal?
Banta singh : Yes, I have
Santa singh : Well, my father dug it.
Banta singh : Thats nothing, have you ever heard of Dead sea?
Santa singh : Yes, I have.
Banta singh : Well, my father killed it.

SANTA talking on cell.
BANTA: kis se baat kar raho ho.

SANTA: biwi se.....

BANTA: itne... pyar se....?

SANTA: tumhari hai. . .


SLAM BOOK filled by Santa.

1.Strength:My wife,Jeeto.

2.Weakness:Banta' s wife,Preeto.

3.Oppurtunity: When Banta is on tour.

4.Threat:When I am on tour


SANTA: Darling, years ago u had a figure like Coke bottle.

Jeeto: Yes darling I still do, only differnece is earlier it was 300ml now it's 1.5 ltr.



Teacher: is line ki english banao, usne apna kaam kiya or karta hi gya.

Santa: He done his work and done dana dan done dana dan....


Santa went to mysore palace.

Tourist guide - santaji plz dont sit there, its Tipu sultan's chair

Santa - oye dont worry yaar i'll get up when he comes.!!.


SANTA enters shop shouts, Where is my free gift with this oil?

Shopkeeper: Iske Saath koi gift nahin hai bhai saabâ?o

SANTA : Oye ispe likha hai CHOLESTROL FREE.


SANTA orders pizza.

Waiter: Sir shud i cut it into 4 pieces or into 8 pieces?

SANTA: 4 hi karde 8 khaye nahi jayenge


Banta: Truck dekhkar tum kaampte kyon ho?

Santa: Ek truck driver meri biwi lekar bhaag gaya tha, har baar lagta hai jaise usko vapas karne aya hai.

Courtesy : Vaibhav + chain mail

Why the controversy ??

Such sites...

If it's NORMAL, than live and let live......

If NOT, than...there are much worse other evils exist......

In the beginning, the Pencil Maker spoke to the pencil saying,

Life is beautiful....

(Conditions apply.)

Courtesy : Nilesh Sheth.

Suppose........

A group of children are playing near two railway tracks, one still in use while the other disused.

Only one child played on the disused track, the  rest on the operational track.

The train is coming, and you are just beside the track interchange. You can make the train change its course to the disused track and save most of the kids. However, that would also mean the lone child playing by the disused track would be sacrificed. Or would you rather let the train go its way?    

Let's take a pause to think what kind of decision we could make................

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Most people might choose to divert the course of the train, and sacrifice only one child. You might think the same way, I guess. Exactly, to save most of the children at the expense of only one child was rational decision most people would make, morally and emotionally. But, have you ever thought that the child choosing to play on the disused track had in fact made the right decision to play at a safe place?

Nevertheless, he had to be sacrificed because of his ignorant friends who chose to play where the danger was. This kind of dilemma happens around us everyday. In the office, community, in politics and especially in a democratic society, the minority is often sacrificed for the interest of the majority, no matter how foolish or ignorant the majority are, and how farsighted and knowledgeable the minority are. The child who chose not to play with the rest on the operational track was sidelined. And in the case he was sacrificed, no one would shed a tear for him.

The great critic Leo Velski Julian who told the story said he would not try to change the course of the train because he believed that the kids playing on the operational track should have known very well that track was still in use, and that they should have run away if they heard the train's sirens.. If the train was diverted, that lone child would definitely die because he never thought the train could come over to that track! Moreover, that track was not in use probably because it was not safe. If the train was diverted to the track, we could put the lives of all passengers on board at stake! And in your attempt to save a few kids by sacrificing one child, you might end up sacrificing hundreds of people to save these few kids.

While we are all aware that life is full of tough decisions that need to be   made, we may not realize that hasty decisions may not always be the right one.

Remember that what's right isn't always popular... and what's popular isn't always right.'  

Everybody makes mistakes; that's why they put erasers on pencils.  

To err is human and To forgive is Divine.

Courtesy : Pramod Kuril.

Thanks to :  Unnat( bro - i l) and the originator..Urmit Trivedi....

I sometimes really wonder..their imagination.....

An Inconvenient truth....

Today I watched this movie...starred AL GORE and decided to do something abt global warming... starting with...

Request to ilander friends...Pls...Pls...Pls...watch this movie...(or atleast don't miss any opportunity to see one.)...that's all for now..

www.climatecontrol.org or googling..may help...the movie size is abt 750MB in .AVI format.

Your Brain is Not Your Friend :

A mind is a terrible thing. Whether because of the brain’s internal structure or the way social and cultural pressures cause our minds to develop and function, in the end the result is the same: minds that are not only easily deceived and frequently deceptive in their own right, but when caught out, refuse to accept and address their errors.

If you have a mind — or even half a mind — you might be best off losing it entirely. Barring that, thouth, there are a few things you should know about the enemy in your head. Before it hurts some one.

Me :This read caused turbulance..and spiritual afterthoughts...and introspection........................

Courtesy : Brain mapping.org

Source : same one....(just could not resist...) and some how again remembered good old friend.

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You will laugh your heads out after you finish reading this! (Nice One from Reader's Digest)

One day I met a sweet gentleman and fell in love. When it became apparent that we would marry, I made the supreme sacrifice and gave up eating beans.

Some months later, on my birthday, my car broke down on the way home from work. Since I lived in the countryside, I called my husband and told him that I would be late because I had to walk home. On my way, I passed by a small diner and the odour of baked beans was more than I could stand.

With miles to walk, I figured that I would walk off any ill effects by the time I reached home, so I stopped at the dinner and before I knew it, I had consumed three large orders of baked beans.
All the way home, I made sure that I released all the gas.

Upon my arrival, my husband seemed excited to see me and exclaimed delightedly: "Darling I have a surprise for dinner tonight." He then blindfolded me and led me to my chair at the dinner table. I took a seat and just as he was about to remove my blindfold, the telephone rang. He made me promise not to touch the blindfold until he returned and went to answer the call.

The baked beans I had consumed were still affecting me and the pressure was becoming most unbearable, so while my husband was out of the room I seized the opportunity, shifted my weight to one leg and let one go. It was not only loud, but it smelled like a fertilizer truck running over a skunk in front of a pulpwood mill. I took my napkin from my lap and fanned the air around me vigorously. Then, shifting to the other cheek, I ripped off three more. The stink was worse than stinking cabbage. Keeping my ears carefully tuned to the conversation in the other room, I went on like this for another few minutes. The pleasure was indescribable.

When eventually the telephone farewells signaled the end of my freedom, I quickly fanned the air a few more times with my napkin, placed it on my lap and folded my hands back on it feeling very relieved and pleased with myself. My face must have been the picture of innocence when my husband returned, apologizing for taking so long.