A SENSE OF BELONGING

Sense of belonging‘ is an instinct, intense love, a loyality, an urge to give selflessly and always try for the betterment and development of the other party/entity. It is a true love between the parties in a relationship with each other.

A good sense of belonging is the sound foundation of a good relationship, as no relationship can sustain and grow for long in the absence of a good sense of belonging to the parties concerned.

A sense of belonging to the following is very urgent and a need of the hour for a better relationship, harmony, and development of the parties concerned:-

  • The institution you are employed in.
  • Family, friends, relations, and associates.
  • People you work with.
  • Nation and the country you belong to.
  • Nations in a relationship.
  • And above all, God the Almighty by whatever name and form you believe Him, and who is an abode of compassion and love and love only.

A good sense of belonging to the family, friends, and associates builds strong bonding of love which results in sound relationships between the parties concerned and hence the family harmony.

Relationships break only when they lack sense of belonging and love between them. Love begets love and cares for others begets care from others. You care for people around you and resultant people will care for you. Every action has an equal and opposite reaction. Care and you will be reciprocated with more care, hate and you will be hated; Ignore and you will be ignored, so it is up to you what to choose.

Great nations were built by its people who had a deep sense of belonging to their nations and countries, and many nations failed when its subjects lost love and sense of belonging to them.

Similarly, the institutions are built by its employees and workers when they work as a team with a strong sense of belonging to the institution they work for. Unless the leaders don’t build teams and infuse in them a strong sense of belonging to the institution these will not grow. The leadership has, therefore, to provide good leadership to their subordinates by creating self-examples of dedication and sense of belonging to the institution they serve. You build a strong institution, the institution, in turn, will make you strong. The same applies to families, friends, nations and all surroundings especially the ecology and the environment.

The workforce of an institution and subjects of a nation are the real assets of the institution and the nation they belong to. Money, wealth, resources, assets etc. are secondary. These secondary assets will not last long until the workers or the subjects/stakeholders have a strong sense of belonging to the institution or the nation they belong to. This sense has to be infused into the character of the stakeholders by the top functionaries or leaders by creating self-examples. This characteristic always trickles down from the top and doesn’t rise from the bottom. The younger cocks will learn to crow the way the older cocks crow. So, the responsibility to infuse this important characteristic into minds of the younger generations rests with the seniors. If they failed in this urgent duty, they will fail the institution and the nation they belong to.

Unfortunately, this characteristic is by and by evaporating from the systems and the younger generations are becoming more and more self-centered. They want to attain and possess everything of their choice very fast and for which they keep on changing jobs, preferences, and loyalties. They do get a lot of this stuff, but do they derive mental peace and satisfaction from all this? They may acquire a lot of wealth but they lose health, mental peace, sociability, and values of life. There is a lot of difference between owning a dream car and hiring an Ola or Uber cab.

Your feelings for your own car and a hired cab are totally different. You get emotionally disturbed when a small scratch happens on your car but do you have the same feelings when the hired cab gets badly dented and disfigured by an accident? A little headache to your loved one occupies your whole attention but do you have the same feelings and concern when someone else gets a deep head injury? This explains what the sense of belonging means.

This sense acts as a booster in developing and maintaining of personal relations, development of sound footings and health of institutions and nations, as well as strong bonding and friendships between the people and nations.

AND ABOVE ALL WE MUST UNDERSTAND THAT WE AND EVERYTHING ELSE BELONGS TO THE GOD, AND THE GOD AS THE FATHER AND MASTER OF ALL OF US AND THE UNIVERSE BELONGS TO US. TILL WE HOLD HIS HAND, WE CAN ENJOY THE BEAUTY OF THE CREATION. BUT ONCE WE LEAVE HIS FINGER, WE WILL BECOME RESTLESS IN-SPITE OF ALL THE POSSESSIONS AT OUR COMMAND. SO NEVER NEVER NEVER LOSE YOUR SENSE OF BELONGING TO THE LORD.

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THE DESERTED MANSIONS

From the time immemorial, Man has been building big mansions to live in happily for himself and for the generations to come. He has been building big castles and strong forts for his safety and security.

But has he achieved his desired objectives? If we look at those huge ruins today, we find the dwellers missing. These deserted mansions are dying slowly but steadily. Have the strong forts and big castles saved his life from death?

All these huge buildings are decaying, crumbling, and being consumed by insects as there is no one to take care of them. Wild bushes and big trees have taken roots in their sturdy walls and roofs. Once magnificent mansions, have now become a home for the rats, bats, vampires, cats, and monkeys. Some of these, once beautiful structures, are now haunted by the ghosts. The beautiful and priceless paintings in the magnificent halls and rooms are covered with spider webs and dust; no one to appreciate their beauty and take care of their maintenance. Has the person who got them built with so much wealth and passion, ever thought of the fate, his proud possessions would one day meet with such a pitiable condition? If by chance he again comes to human life with all his old passion and memory and visits his choicest possessions: Can anyone imagine how he would feel? He would definitely repent as to why he committed such a great blunder in his life……

Humans have the tendency of ignoring the history and trying to derive satisfaction and happiness from the huge possessions. Instead of achieving satisfaction and happiness from the possessions, they become restless while creating such possessions. Their cravings for more and more keep them toiling restlessly and sometimes they have to sacrifice the values of life and good principles of humanity. How can one derive happiness and satisfaction by such means? This is the dilemma of life and a Mirage which keeps one running until the end.

Happiness and satisfaction are not in the possessions, but these are in the contentment. A man with a contented heart is the richest of all and the one with greed and discontented heart is worst than a beggar even if he has abundant of wealth. We should take a lesson from the history and lead a simple and contented life and should always thank the Almighty for whatever he has bestowed upon us.

Whatever you can use in your life is actually yours. What you keep on possessing without using is a waste; for others to use. One keeps on building mansions, forgetting that lifespan is very short and he may not get the opportunity to enjoy his living in those mansions which he created with so much toil.

If we take a look at the present times, nothing seems to have changed. There is no dearth of big mansions which are empty as there is no one to live in. Those for whom, their ancestors had built these huge buildings have either migrated to other cities or abroad for their living.

We care more about our future generations than for ourselves, little realizing that if we are able enough to live our life comfortably as per socialistic and societal standards , will our future generation not be able to do anything for themselves? Why such a negative thought takes root in our mind? If we could do something ourselves, Our future generations would do better than us. With such a positive attitude, live your life happily lest you may have to repent afterward.

DEFECTS IN BANK AUDITS AND INSPECTIONS

These days most of the Banks are suffering from the problems of Bad Loan around the world especially the Asian countries. As a result of globalization, any failure in banking systems in any part of the globe affects the banks in other countries too. The subprime lending in American banks had its effects in the banking sectors across the globe.

The recent trend of increasing NPAs and frauds happening in the banking sector is a serious matter which has shaken the confidence of not only of the depositors and other stakeholders but also that of the general public in the banking institutions.

This trend needs to be curbed in order to improve the confidence of the public in the banking systems. The reasons for loans becoming NPA is already discussed in the blog Bank’s NPAs. Causes and Remedies. The reasons for frauds may be:-

  • Due to staff negligence/Connivance.
  • Lack of proper supervision and controls.
  • Lack of experience, knowledge and adequate training for the staff.
  • The absence of corporate governance GOOD GOVERNANCE from the banking systems.

Most of the frauds have happened due to the staff connivance and it appears as if these were like a consensual rape. Unless there are strict deterrents in place, the frauds will continue to happen. Any laxity in taking strict actions against the delinquent staff of all cadres, overtly or covertly involved in the frauds will continue encouraging them to commit more frauds. Many big and small frauds have happened in the past, but hardly there is any action against the perpetrators, more so, in the higher cadres. Only a few of the small fish is caught in the net and the big ones are allowed to escape. All those who are involved in the crime need to be named, shamed and severely punished. There should be no place for the dishonest people in the financial sector as they not only spoil the sacred institutions by themselves but also induce others to follow the dirty trend.

However, merely Staff is not responsible for all the deceit in the system, there are many problems with the audits and inspections in the banking system too. The staff hardly gets time to attend or go through all the voluminous audit and inspection reports. Many inspections are just repetition of each other and need to be done away with. Nothing can be achieved by repeating the inspections as a mere formality. Only effective inspections and audits should be carried out. At present, the banks go for following audits and inspections.

(A). Internal.

Internal audits and inspections are carried out by banks own staff or by an independent party for checking their health as well as to analyze the operational efficiency. These are:-

  • Internal inspections mostly conducted by the bank staff only.
  • The concurrent audit carried out daily by specially engaged concurrent auditors.
  • Snap inspections by all senior executives every month.
  • Credit audit and stock audits.
  • Revenue audit.
  • Information system audit.
  • Management audit.
  • Forensic audit.
  • Compliance audit.

(B) Statutory.

Statutory audits are conducted by the qualified chartered accountants duly approved by the Reserve Bank Of India. These mandatory audits form the base for the banks yearly balance sheets to be placed before the shareholders in the annual general meeting for approval. The purpose of these audits is to report the state of the bank’s finances and accounts to the Government. These are of two types

  • Tax audit.
  • Company audit/ Financial audit.

(C). RBI audit.

It is conducted by the auditors/Inspectors of RBI in order to ensure that the banks are working within the norms prescribed by the banking regulation act.

In spite of all these audits, financial frauds are still happening unabated. Too many audits are becoming a headache for the bankers. They hardly get time to look into The audit reports seriously and take remedial steps. ‘Too much of everything is bad’ is an old adage which is truer in respect of the audits of banks.

Following measures are suggested for improvement in the audit and inspection systems in the banks:-

(A). The concurrent audit on real-time bases should be made more effective by allotting the job to professionals and they should be made accountable for any lapse that may remain in the day to day transactions. The concurrent audit is the most suitable solution because when a lapse happens and if not detected immediately may prove to be fatal afterward.

(B). Statutory audit is the domain of The Reserve Bank Of India and is carried out by the RBI approved qualified chartered accountants against a fee to be paid by the banks directly to the Chartered Accountants. Anybody is bound to be loyal to his paymaster and to none else. Banks can get their balance sheets structured by putting pressure on these CAs. The fees should be paid to the auditors by the RBI after successful completion of the audit and after recovering the same from the concerned banks. The  CAs would then not oblige the banks, instead, they will remain true and loyal to the RBI instead to the Banks.

(C). Recently the World Bank has advised the Indian Government to give more teeth to the Reserve Bank. RBI auditors are very professional but the audits reports are not properly followed and strict actions are not taken. RBI should make the Boards and the top bosses in the banks accountable for any laxity in the corporate governance of the respective banks.

(D). Too many audits and inspections consume the too much working time of the branch staff and they get fed up by repeated audits and tend to ignore the same. Some of the useless inspections may, therefore, need to be done away with.

(E). Banks are doing everything except banking. They should not enter into the domains not meant for them. They are made to go for pennies and lose pounds. Banking is the backbone of the country’s economy so they must be allowed to focus only on their field of activity.

(F). Well trained, efficient and experienced staff should be posted in the audit and inspection units of the banks. Generally, those who fit nowhere in the system or don’t compromise with their bosses are posted in the inspections department. This vital organ of banking has been ignored but it needs to be strengthened. As a matter of policy, it should be made mandatory for every upcoming officer to give at least one tenor of service in this department for promotion to a higher grade because one learns a lot in this department.

Banks, therefore need to lay more stress on corporate governance GOOD GOVERNANCE, make inspection wings more active, vibrant and efficient. ‘When the old cock crows the young one learns’, the senior functionaries should, therefore, create a self-example of honesty, dedication, and sense of belonging to the institution SENSE OF BELONGING. Unless some harsh measures are not taken to restore public confidence, it is feared that the future of banks may remain uncertain. The Central Government and Central Bank need to make changes in the policies for the banks for bringing transparency in their functioning.

PAINS OF RETIRED LIFE

Pleasures and pains go side by side. Every coin has two sides. The day is followed by night and winters by summers. Everything attracts its opposite and the cycle of nature goes on moving. Nothing remains stationary in this world. Change is the secret which sustains life. Changes may be positive or negative and we have to bear both with a bowed head as there is no escape.

The pains of retired life is a mix of crunches of both retired life and of old age because incidentally, the retirement generally happens at a comparatively advanced stage of the age. The pleasures and sense of freedom one can enjoy under certain circumstances is already discussed in the previous blog published on 9th Feb,2018. The pains of retired life/old age can be :-

  • Health issues of self and that of the spouse.
  • Change in attitude of associates, relatives, and friends towards you.
  • No pension or inadequate pension to meet day to day needs.
  • No one to take care in case of an emergency.
  • Pending family settlements and liabilities.
  • Children not suitably settled.
  • Depression because there is no work to substantiate abundant free time.

The only solution to all these problems is to live to the will of Lord and change your own attitude towards life. We are not the masters of everything and might not be destined to finish every so-called liability during our lifetime. There is always something pending for others to complete or accomplish.

Life is full of struggles from day one until the end. We did struggle to speak, sit, crawl, and walk when we were infants. Struggle for learning, understanding various fields and activities kept us engaged throughout our school to college and university days. We further intensified our struggle to build our careers. And now at this old age, Can we avoid making struggles? We have to continue struggling until the end with a Positive Mental Attitude.

The sufferings and pains are part of life for all of us. Health issues are a cause for concern especially at the old age when many vital organs get fatigued, become weak and can’t give the required output to keep our body healthy. Our body is a very complicated machine and consists of thousands of working parts and millions of cells. These have been working tirelessly for so many years. Parts of any machine do get worn out and need replacement, which in case of the human body are a  very costly affair and in some cases not possible. We have to bear with this, as there is no other way out. It is advisable to get medical insurance done in order to take care of heavy expenses in case of an emergency.

After one is out of power he should not expect his associates, relatives, and friends to flock him the way they were doing when he was in power. Our relationships of all types are because of some need or dependence which is a bitter truth. Once that need is fulfilled or we lose the capacity to meet people’s needs, they will start disassociating from us, in the same manner, we did with our associates, relatives, and friends when they lost power or capacity to help us. Needs and interests are the basis of many relationships with few exceptions.  Who will then come to our rescue in such state of affairs in this world? Only Lord is our hope. He loves us more than anybody else and that too without any expectations from us. SO CHANGE YOUR ATTITUDE, DO NOT CARRY BAGGAGE,  FACE THE SITUATION WITH POSITIVE MINDSET, AND LEAVE EVERYTHING TO THE WILL OF LORD. Unnecessarily taking these things seriously will only make you more uncomfortable leading to Stress or Depression. Ignore people who ignore you and stop bothering about them.

You must make financial arrangements for the rainy days of your life while in active service/job. You are bound to suffer humiliation in case you don’t have regular and adequate resources to meet your needs. Stay with your children or relatives if you can manage or go to an old age home. All of us have to bear our KARMAS; no escape. Your children or close relative may not be able to devote more time to you because of their own compulsions. Stay calm and contended and thank GOD that at least they are with you.

Settle your liabilities well in time otherwise, you will remain worrying when you will become unable to settle them. You can’t make hay when the sun is not shining. Try your best to settle your children well in time. However, if you could not do, don’t worry as your worry will not help. It will only add more wrinkles to your face and help you to increase your stress, blood pressure, and depression. You played your inning well and now it is their turn to earn and take care of you.

Please understand that all of us have to pass through pleasures and pains while we are in this human body. We have to bear our own Cross as this world is run by one universal principle ‘AS YOU SO, SO SHALL YOU REAP’. When Lord Rama, Lord Krishna, Hazrat Mohammad Sahib(PBUH), Guru Nanak Dev Ji and other Gurus suffered and fought battles with the evil, how can you be an exception? During the battle of Mahabharat Pandavas fought with their own brothers; The Kauravas. This signifies that the evil is within us and we have to fight it within. Arjun the great warrior surrendered to Lord Krishna and gave the reins of his chariot to Him and shot arrows in the direction Lord Krishna moved the chariot. Have we ever surrendered control of the chariot of our life to Lord and fought the battle of life ourselves? Instead, we hold the reins in our hands and want the Lord to fight for us. This will not work.  We have to live up to His will and remain satisfied because both pains and pleasures come with His will.

The Fifth Sikh Guru, Guru Arjan Dev Ji Maharaj, was being tortured by making him sit on the hot iron plate and boiling water was poured on his head and before being martyred, you know what he said? “Tera bhana meetha lage”, Means “Oh my Lord All this is happening with your will and your will is sweet to me”.

When Jesus Christ was mercilessly tortured before being crucified, He prayed to GOD and said,”O GOD forgive them because they don’t know what they are doing”. This is the level of tolerance that is expected for attaining peace and tranquility.

 

So, remain contended in whatever circumstances the Lord keeps you. He will always give us what is to our benefit; a chocolate or a bitter medicine. He knows well, so don’t fear or worry even about your death. You don’t have much time at your disposal so live to the hour. No time to worry. Keep on doing good and remain happy. Let God worry about you.

PLEASURES OF RETIRED LIFE

The golden period of your life starts when you retire from the active service or from active business/profession. This is the period when you can enjoy the Life as per your own choice and with full freedom without any worries, provided:-

  • You have Settled all your liabilities during the active period of your life.
  • Your children have settled professionally and personally.
  • You have a place to live which you can call your own Home; with your family who cares for you.
  • You have suitable pension or an accumulated pension fund to meet your needs.
  • And above all, You and Your spouse have maintained Good Health and a good understanding of each other.

If you look back to your pre-retirement days; You were so tight scheduled and having no time for your life partner, no time for family trips or even pilgrimage. You were always requesting leaves so that you could share time with your loved ones but the boss always frowned upon you with most typical lines,”You have so much of  pending work, how can you even think of going on leave???” and You listened to all this with a bowed head out of sheer compulsion. Your blood pressure rose during supervisor’s visits and his reprimands. The multitasking activities both in office and at home kept you under constant stress. Even when you tried to calm your mind through meditation and tried your best to concentrate, you couldn’t because the angry face of your boss always occupied the upper layers of your mind. You were more loyal to the ticking sound of your clock or the office or factory siren than anything else in this universe.

Now the Life is completely different after retirement, you are free from all those shackles, pulls and pressures? Don’t you now feel yourself nearer to GOD than ever before? Now you have enough time for everything of your choice. Now you are the boss of your own wishes and wills. You are now a free bird, so enjoy your flight of life like a bird. Keep on chirping, land at places you like, eat what you like to eat, and dance with your partner the way you both like.

Now, this is the time for you to enjoy the fruits and charms of freedom. Is not this amazing that the entire twenty-four hours of the day and all three hundred sixty-five and a quarter days of the year are your’s and your’s only? Every day is a holiday; a holiday for which you had to wait for five to six days in a week and you were never sure if the boss would call you on holiday for some urgent work. All your plans to enjoy on the weekly off used to be marred by such compulsions. Now no compulsions, as you are boss of your own self, so enjoy, enjoy and enjoy only. Remove all, from the life that comes between you and your happiness, your peace of mind, and GOD; be it a dispute, grudge, hate, anger or a complex.

Always try to remain happy and fearless. Don’t interfere in the affairs of others especially your own children. You may give advice if asked for, but let them have their own way. Don’t try to squeeze the generation gap as it will generate reactions and disturb your and family harmony.

Always be on the path of truth and don’t fear anything, not even your death. Whatever has to happen will happen; you can’t change it, then why worry; face it smilingly. At the same time don’t take much liberty of your freedom because everything will not happen as per your choice  Everyone can’t have similar choices and wishes, these differ from person to person, so let GOD decide what to do for you. The BIG BOSS is boss of the whole universe and loves us all. He takes care of all of us so don’t doubt his intentions. The best is, to surrender before Him and live to His will. You can’t change circumstances but you can change your attitude, so change it according to the times and always remain positive.

You are at the ripe age, so remember that you are the most beautiful human being. A fruit is more beautiful when it is ripe and so are you. Feel this beauty inside and outside you. Don’t expose yourself to risks such as investments in share markets, crypto currencies, Ponzi schemes or in any scheme of volatile nature because a ripe fruit can’t afford to withstand the winds and jerks of risks.

You are now more close to nature. Grow plants and watch them sprout out of the soil, and then growing into plants with tiny and shining leaves, flowering with magnificent colors and then bearing fruits and seeds. The pearl-like tiny dew drops on the leaves of plants and the grass in the morning are an amazing miracle to see.

Some people complain that they have too much spare time so they get bored. Getting bored in the twenty-first century is an impossible proposition. Make use of eighth and ninth wonders of the world if you luckily have both. The eighth wonder is your spouse who in spite being illiterate or less qualified, or even more qualified than you, remained with you through thick and thin when all nears and dears left you in adversity. You at this age have an exceptional understanding of each other. No one understands your mood, feelings and needs better than your better half. How beautifully she/he adjusts to every situation however difficult it may be. Is not that great wonder?

Your mobile phone is the ninth wonder of the world. Through the internet, you remain connected with the whole world. You can have any information available with the touch of a button. You can play games, read books of all types, see pictures of cities and places of the world over, watch movies and listen to music of your choice, share greetings and other messages with your friends and talk face to face with your relatives and friends living in any part of the globe.

So enjoy your retired life in a Smart Way. Don’t remain stuck to TV or mobile phone or your bed. Go for morning and evening walks even if for short distances. Do talk to and play with your grandchildren whenever you are with them. Play with kids of your locality. This will bring freshness and spirit of youthfulness in you.

You are lucky if you are enjoying Retired life, so thank God and keep smiling, meet friends, associates. Do some social service for the society without any considerations. Each day is a bonus for you. No one knows how much time we will get to stay in this beautiful world, so make the best use of whatever little time you have at your disposal. Do as much good as you can and remain as much contended as possible.

 

 

 

 

 

SAVINGS AND THE LIFESTYLES.

Nothing remains constant in this universe and changes do keep on happening without any breaks. Similarly, Life passes through various stages; childhood, adulthood, young age, and old age. For leading a comfortable life we need to generate good income, however without compromising with the principles of life. Our income too keeps on changing with the passage of time and similarly, our needs also undergo a regular change. To keep a balance between our income and expenditures, we need to make proper planning. Saving for all present and future needs such as daily household expenses, meeting any expense of some emergent nature, education of children, family outings for pleasure, marriages, building or owning a house, creating a pension fund for old age etc….etc., is therefore very urgent. For saving, we have to keep a balance between our income and expenses in such a way that there is always a surplus available every month.

Young age is the best period to save because we have the energy to work more and earn more and our expenses are comparatively less as compared to the advanced age. Our lifestyle has a correlation with our saving styles. We can increase or decrease our ratio of savings to our income by pursuing different lifestyles. It is as such advisable, especially for the youngsters to pursue a healthy and affordable lifestyle. The parents have the responsibility to teach their children as to how to imbibe good habits and encourage a healthy lifestyle, which would help them to use their income and resources in a judicious manner so that they could build their own portfolios for meeting any future needs and live a comfortable and peaceful life.

Everybody knows that our wants and wishes are unlimited whereas the income and resources are limited, so we have to strike a balance between the two in such a way that it always results in suitable savings. We have to use the principles of good Economics to manage our incomes and expenditures in a manner which assures good life and development without compromising with the basic needs of the family.

Although there has been more flow of funds in almost all the economies of the world and with that, the lifestyles of people have also changed. The new generation seems to have learned less about savings and managing the personal economy. There are market forces and techniques which lure the youngsters to the different lifestyles by providing them with more purchasing power, like credit cards of different types, personal loans against future salary, and finance for acquiring costly mobile phones, motorbike, car or any other item with the press of a button. Today’s market is seller’s market loaded with very attractive advertisements in print and electronic media. This is coupled with freely available purchasing power, that lures youngsters to gather junk and get trapped in never ending credit cycle. Their income is spent before it has actually accrued. The EMI’s eat away their income like a grasshopper. Unable to clear their credit card dues within the interest-free period, they are compelled to pay a very heavy interest and penalties which further add to their expenses.

One can save even with little income by managing the expenses in a manner that always ensures a surplus every month. Always prepare a budget before you spend. Note down every item of expenditure and analyse it at different intervals. It will give you a sense of your way of spending. You can mark items of wasteful expenses or those which have better and comparatively cheaper alternatives. There is no dearth of better alternatives. Cut all wasteful expenses and buy items for necessary use only.

Apparels, garments, and other items of daily use should be purchased in limited number because the fashion changes very frequently and better substitutes come on the market. Don’t buy just to store these items. These items simply fill your cupboards to be eaten by the termites. Please note that all items for good health and all beautiful clothes are much cheaper than items which spoil your health and presentation. Simple homemade food is cheaper and healthier than the junk food or food from the hotel or eateries. You may sometimes go for dining out, but very sparingly. we wear clothes to cover the body and also to look presentable. All such clothes are much cheaper than the torn out jeans which hardly cover 40% of our body and are very expensive.

Always understand the value of money and don’t spend just for the sake of spending; spending should always be purposeful and worth spending. you must have a vision in life for your future needs and accordingly, you should plan to save separately for every targeted future need. You have to decide your priorities and plan your savings accordingly.

Youngsters these days keep a bunch of credit cards just to ensure that they never fail to buy anything that they intend to buy. If one credit card fails to be a success, they try second, third and so on, till the transaction is successful. This attitude is ok in case of emergencies only but not otherwise. Such a misuse of your purchasing power without a supporting income will lead you to a debt trap, and once you are trapped a vicious circle sets into motion. One should not be a miser and compromise with his basic needs and qualities of good life, and at the same time, he should also not be a spendthrift.

Credit cards are a very useful financial instruments: the problem is with their misuse. They do provide purchasing power but not income. These should be used only to bridge gaps during some emergent circumstances, when you are short of funds for a short period and are sure to cover the gap from your income shortly. Credit cards these days are offered along with a lot of benefits attached to them like cash backs, bonus points and interest-free credit for some time. These freebies are in fact bait on the hook and once you swallow it, you can’t resist the pull of the string. The result may be a dangerous debt trap depending on your own lifestyle.

Just think of the time when you would grow old and get retired and suddenly you cease to earn. Who will support you? Do you think your sons will support you? They may, but not with grace. Why should you depend on others and make yourself miserable at the fag end of your life? The old age is the golden period of your life when you should be free from tensions and worries and live with respect and dignity.

SO, PURSUE A HEALTHY LIFESTYLE DURING THE YOUNG AGE, MEET ALL LIABILITIES, AND BUILD A SUITABLE PENSION FUND TO TAKE CARE OF YOU DURING THE OLD AGE.

NATURE’s EQUILIBRIUM

We The Humans, who claim to be the finest of God’s creations and the most civilized ones; are in fact lacking many qualities which others creatures in lower forms of life have. We claim that we trust God but the fact is, that we don’t trust him fully.

No other creature on this planet is as dexterous as Humans when it comes to securing the tomorrow needs. We keep on hoarding as much wealth and other materialistic things as possible for us whereas all other creatures have full faith in HIM-The Almighty that he will arrange food for them when required. Humans are the only species on this globe which cultivates crops and other victual item but we accumulate them and don’t like to share with other Fellow Humans.

Have your ever observed the behavior of Crows when they find Food; the Crows start crowing loudly, inviting all the fellow crows to come and share the food with them.

This Ungenerous Human behavior is out of fear as to what will happen if there is no Food left on earth tomorrow. Have we ever thought when God takes care of the whole universe and its creatures, how can he forget to take care of a race which is most near and dear to him? Are we not prodigal sons? You must have heard of a prodigal son but have you ever heard of a prodigal father?

We kill birds, animals, reptiles for our food and don’t even hesitate to kill humans during wars or otherwise in order to prove our supremacy over others. Animals also kill but they kill to satisfy their hunger. We the humans resort to organized killings of our own race just because of anger, hate, and, intolerance and for that, we produce lethal weapons, ammunition, ballistic missiles, intercontinental missiles, atom bombs and other weapons of Mass Destruction. There is no other field where we have made as much progress as we have made in the creation of instruments of Mass Destruction. We explode crackers, bombs and other fireworks to mark celebrations which in turn creates a lot of pollution. Use of Air conditioners, Heaters, Automobiles, Airplanes, Electronic gadgets, and Chemical factories create a lot of pollution and contribute to Global Warming, which is a cause of worry for all of us. We all understand the consequences of increasing pollution and Global Warming. The world community also seems concerned about this danger and this issue is the hot topic of discussion these days in almost all the Highest Forums but Have we stopped manufacturing and using the items which create Pollution and Global Warming? The answer certainly is a big “NO”. WE THE DESCENDANTS OF ADAM AND EVE ARE USED TO EATING THE FORBIDDEN FRUITS. The man has already created holes in the Ozone layer and stockpiled atomic weapons. We have not even stopped the further production and God forbid if these go off at any time, then what will happen is well known to all of us.

God loves us all more than we love him so He will never bring “ROZ-E- QAYAMAT” OR GREAT DISSOLUTION. Its only we the so called Humans, will be responsible for it.

Huge resources are consumed for satisfying our urge to have supremacy in the field of the destruction of our own race. These resources if used for the welfare of mankind can remove poverty from the globe forever. We produce and use pesticides, insecticides and chemical fertilizers to kill pests and insects in order to produce more crop and fruits, little realizing that it adversely affects our own health as well as the fertility of the soil. All other creatures live upon natural products and that too in very less number, but can you just make a guess as to how many items we need for our daily life. The number may go up to thousands; and then the way we cook, fry, roast, bake, marinate and so on and so on….with no end. We eat for taste and not for nutrition. The end result is DISEASES and AILMENTS and in order to treat these, we consume more chemical compounds in form of MEDICINES; bitter enough to neutralize the taste we had from our choicest cuisines. Medicines do cure but have many adverse effects on our Body. We need doctors and surgeons to take care of our health. Do any other creatures need all this? Who takes care of them? It is only LORD because they trust and have full faith in HIM.

God designed this beautiful creation and asked mankind to go and enjoy his creation. He has created everything for us, but certainly not for any misuse or for the destruction of his beautiful creation, or for disturbing the beautiful balance of nature. If we disturb the balance of nature, nature will react and disturb our balance, leading to a catastrophe. Every other creature except humans contributes to the maintenance of Ecological and Environmental balance but we the Humans, who despite having the Super-intelligence bestowed upon us by our LORD, leave no stone un-turned to disturb it.

Why can’t we trust and realize his scheme of things? Don’t we see his beautiful Water Management System? He creates conditions to convert water into clouds, transports it from the oceans to the whole of the globe. Again reconverts it into the water for maintaining the ecology, environment, and life on the globe. He fills all reservoirs like ponds, lakes etc. for our future use and also creates reserves in the form of snow and glaciers. He created a mixture of useful gases around the globe for sustaining life. He kept minerals in the bosom of the earth for creating a balance and for our proper use. Is the magnificent gravitational force which keeps us comfortably bound to the earth, not a miracle? Why the gravitational force is not present on other planets? Is it not that wonderful? Humans were bestowed with the sense of comprehension to realize GOD but they are misusing this intellect to disturb His beautiful creation.

Still, there is time to listen to his commandments and imbibe the qualities of the Creator and stop listening to the voice of SATAN or SHAITAAN i.e. the negative energies surrounding us. The natural state of this God designed System is the perfect state and it is the best for us to leave it undisturbed. We need to mend our ways and make life worth living peacefully and with a lot of Happiness and Bliss.