Apr 7, 2016

The Lightening

A bus full of passengers was traveling while suddenly the weather changed and there was a huge downpour and lightening all around.

They could see that the lightening would appear to come towards the bus and then go elsewhere.

After 2 or 3 instances, the driver stopped the bus about fifty feet away from a tree and said -

"We have somebody in the bus whose death is a certainty today. Because of that person everybody else will also get killed. I want each person to go one-by-one and touch the tree trunk and come back. Whom so ever death is certain will get caught up by the lightening and will die. But everybody else will be saved".

They had to force the 1st person to go and touch the tree and come back.

He reluctantly got down from the bus and went and touched the tree.

His heart leaped with joy when nothing happened and he was still alive.

This continued for rest of the passengers who were all relieved when they touched the tree and nothing happened.

When the last passengers turn came, everybody looked at him with accusing eyes.

This passenger was also very afraid and reluctant.

Everybody forced him to get down and go and touch the tree.

With a fear of death, the last passenger walked to the tree and touched it.

There was a huge sound of thunder and the lightening came down and hit the bus - yes the lightening hit the bus, and killed each and every passenger inside the bus.

It was because of the presence of this last passenger that earlier, the entire bus was safe and the lightening could not strike the bus.

Sometimes we try to take credit for our achievements, but this could also be because of a person right next to us.

Look around you - Probably GOD is there around you, in the form of Parents, spouse children, siblings, friends, etc, who are saving you from bad things to happen to you.

Think About it..

Economy........Made Easy

Suresh: I have heard recently that Mr. Rajan has reduced Repo Rate by 50 basis points and everyone is saying that this is good for the market. Loan EMI may also come down. What is this rate cut means actually? I want to understand this.

Rajeev: To understand this you first need to know, how does a bank function.

Suresh: Why?

Rajeev: Because all these are inter-related. Tell me – what does a bank do?

Suresh: Bank takes money from depositors and gives loan to earn interest. That way they keep everyone happy and make a profit also.

Rajeev: Correct, but there are more to it. Let me explain this in a very simplistic way. Bank needs money. Bank can get money from depositors like you and me and also from RBI. But bank also needs to pay certain interest to us and also to RBI.

Suresh: Ok.

Rajeev: Let us try to understand first – what happens when we deposit, say, Rs. 100 with a bank.

Suresh: I know that. Bank gives that Rs. 100 to someone who needs a loan.

Rajeev: No, it is not that simple. Remember, though bank can earn interest by giving away loans, but it is also very risky. There are many cases of loan defaults. This way banks can put all our money into high risk areas. It has to be protected.

Suresh: How?

Rajeev: Ok, RBI has made it mandatory that upon receiving, say, Rs. 100 – banks first have to deposit Rs. 4 with RBI. RBI keeps this Rs. 4 in its current a/c and hence banks do not receive any interest on this money. This is known as Cash Reserve Ratio or CRR, which is currently at 4%.

Suresh: Hmmm, then?

Rajeev: RBI has also made it mandatory that upon receiving, say, Rs. 100 – banks need to compulsorily buy central and state govt. securities of Rs. 21.50. Of course banks will earn some interest income here. This is known as Statutory Liquidity Ratio (SLR), which is currently at 21.50%.

Suresh: Ok, so you mean to say that upon receiving Rs. 100, banks can spend only Rs. 74.50 at its own will.

Rajeev: Correct. 100 – (4 + 21.50) = 100 – 25.50 = 74.50

Suresh: But you were saying that banks can also borrow from RBI. What interest banks pay to RBI?

Rajeev: Before 30th September, banks were paying 8.25% interest to RBI when it borrows money from RBI. Now this rate has been reduced by 50 basis points. So banks now need to pay interest to RBI, if it borrows from RBI, at the rate of 7.75%. This is known as Repo Rate.

Suresh: Can fixed deposit rate be affected by reduction of Repo Rate?

Rajeev: Of course. If banks get money from RBI @7.75%, why will banks pay higher interest to you and me? One year FD rate is already revised by many banks and it is equal to or very close to 7.75%.

Suresh: But as now banks are getting money at a cheaper rate, then they should reduce the loan interest rate i.e. passing on the benefits it receives.

Rajeev: Correct. They should. And on that hope market is cheering. If companies get loan at a cheaper rate, they will likely to expand their businesses. That will create more jobs, more income and boost the economy.

Suresh: How is inflation linked to this?

Rajeev: See, when loan becomes cheaper, people tends to borrow more. That means people will have more money to spend. This will increase the demand for goods, and if supply does not increase to match this demand, then prices will increase.

Suresh: So there is a chance, that inflation may rise also?

Rajeev: Well, yes. But inflation depends on many other factors as well, like production (industrial and agricultural), manufacturing, export – import, foreign currency movement etc. So inflation may increase or may not.

Suresh: One last question. Like we deposit our money with banks, can banks also deposit their money with someone?

Rajeev: Yes, they can deposit with RBI and earn interest too. This interest is typically 1% less than the repo rate. This rate is known as Reverse Repo Rate.

Suresh: Great! So now I understand CRR, SLR, Repo Rate, Reverse Repo Rate and their impact on deposit rate, loan interest rate and on inflation. Thanks.

Rajeev: Welcome!

Apr 4, 2016


Mathews, a hotshot sales manager, on a Sunday evening, was in the parking lot of a shopping mall. The parking lot was packed. Cars were crawling with anxious drivers looking for that one vacant slot. Mathews, sharp and aggressive as he was known to be, spotted a vacant space ahead and quickly zoomed in.  He could see another car trying to reverse into the same slot, but Mathews was determined to beat the other man to it.  And he did!  Mathews felt jubilant - as we all sometimes do with life's little victories.  The old man driving the car was disappointed. He looked Mathews in the eye and continued his search for another parking slot. 

Two days later, Mathews was preparing for one of the biggest moments of his career.  He was close to winning a big contract for his company.  And all that was left now was the formal handshake meeting with the client's CEO.  As Mathews walked into the client's office and saw the CEO, he felt a sudden sense of discomfort.  Yes, it was the same man from whom he had snatched the parking slot on Sunday.  And you can guess what happened thereafter.  Alas! If only Mathews had grown up with the HTDO habit!

So whats HTDO?

It has probably happened to you before.  As you walk towards the door of an office, or a hotel, the person walking in front holds the door open for you.  Remember how good it made you feel - if only for that moment. 

Isn't it surprising that although we all feel good when someone holds the door open for us, we seldom do the same for other? How come?

It's probably because we are all preoccupied with ourselves and obsessed with getting ahead.  Here, then, is a life-changing lesson they don't teach you in any B school - 'Hold The Door Open'.

The world can be divided into two types of people. Those who push open a door, walk through and let it slam behind them.  That's the 99% of the population.  And there's the 1% who hold it open to allow the next person to walk through.  Learn to do that, and you too could join the select 1% club.  HTDO doesn't merely make other people feel good. It makes you feel good too. HTDO translates into a behaviour of helping and caring.

Winning in life is less about naked ambition and more about helping other people win. 

Someone once said, "It's nice to be important. But it's more important to be nice"

Make a beginning.  Hold The Door Open.

खतरनाक सत्य

यह केवल एक सत्य है दिल में लेने की जरूरत नहीं है .......
अगर आप रास्ते पे चल रहे है और आपको वहां पड़ी हुई दो पत्थर की मूर्तियां  मिले,

1) भगवान राम की


2) रावण की

और आपको एक मूर्ति उठाने का कहा जाए तो अवश्य आप राम की मूर्ति उठा कर घर लेके जाओगे। क्यों की राम सत्य , निष्ठा,सकारात्मकता के प्रतिक हे और रावण नकारात्मकता का प्रतिक हे।

फिर से आप रास्ते पे चल रहे हो और दो मुर्तिया मिले , राम और रावण की, पर अगर "राम की मूर्ति पत्थर" की और "रावण की सोने "की हो और एक मूर्ति उठाने को कहा जाए तो आप राम की मूर्ति छोड़ कर  रावण की सोने की मूर्ति ही उठाओगे।

मतलब, हम सत्य और असत्य, सकारात्मक और नकारात्मक अपनी सुविधा और लाभ के अनुसार तय करते हे।

९९% प्रतिशत लोग भगवान को सिर्फ लाभ और डर की वजह से पूजते है।
लोग क्या सोचेंगे  ? ? ?
25 साल की उम्र तक हमें परवाह नहीँ होती कि  "लोग क्या सोचेंगे  ? ? "

50 साल की उम्र तक इसी डर में जीते हैं  कि  " लोग क्या सोचेंगे  ! ! "

50 साल के बाद पता चलता है कि "हमारे बारे में कोई सोच ही नहीँ रहा था ! ! ! "

मुख और जीभ का व्यायाम

1. कच्चा पापड़, पक्का पापड़।

सबसे ज़्यादा फेमस और हमारे दिल के सबसे नज़दीक,  एक बार में 15 बार बोल के दिखाओ तो वीर जानें ।

2. फालसे का फासला।

चैलेंज है कि 20 बार बिना रुके बोल कर दिखाओ।

3. पीतल के पतीले में पपीता पीला पीला।

मुस्कुरा का रहे हो, 13 बार इसे बोल कर दिखाओ।

4. पके पेड़ पर पका पपीता पका पेड़ या पका पपीता।

मेरी जीभ तो लगभग फ्रैक्चर होते-होते बची है।

5. ऊंट ऊंचा, ऊंट की पीठ ऊंची. ऊंची पूंछ ऊंट की।

क्यों बच्चू नानी याद आ गई।

6. समझ समझ के समझ को समझो, समझ समझना भी एक समझ है. समझ समझ के जो न समझे, मेरे समझ में वो ना समझ है।

मैं तो इसे बोलने की कोशिश भी नहीं करूंगा।

7. दूबे दुबई में डूब गया।

अच्छा ठीक है.ज़्यादा ख़ुश मत हों. ये आपकी फूलती सांसों को आराम देने के लिए था।

8. चंदु के चाचा ने चंदु की चाची को, चांदनी चौक में, चांदनी रात में, चांदी के चम्मच से चटनी चटाई।

अब चाहे तुम जो कुछ भी करना, मगर अपने बाल मत नोंचना।

9. जो हंसेगा वो फंसेगा, जो फंसेगा वो हंसेगा।

आपको ये आसान लग रहा है, जरा इसे 10 बार से ज़्यादा बार बोल कर दिखाइए।

10. खड़क सिंह के खड़कने से खड़कती हैं खिड़कियां, खिड़कियों के खड़कने से खड़कता है खड़क सिंह

अब मेरे तो पूरे बदन में खड़कन हो रही है।

11. मर हम भी गए, मरहम के लिए, मरहम ना मिला. हम दम से गए, हमदम के लिए, हमदम ना मिला

बोलो-बोलो मुंह मत चुराओ।

12. तोला राम ताला तोल के तेल में तल गया, तला हुआ तोला तेल के तले हुए तेल में तला गया

 ऐसे देख का रहे होे।

13. डाली डाली पे नज़र डाली, किसी ने अच्छी डाली, किसी ने बुरी डाली, जिस डाली पर मैने नज़र डाली वो डाली किसी ने तोड़ डाली।

 तो फ़िर बोलो ,

14. पांच आम पंच चुचुमुख-चुचुमुख, पांचों मुचुक चुचुक पंच चुचुमुख।

आपने जो इतनी मेहनत की है इसलिए मुस्करा लीजिये।