BUY BIG TERM INSURANCE AT AN EARLY AGE

 Hard working and smart Mr. X died young,  in a road accident, leaving behind his hapless wife and two innocent children. He worked in a private company of Hyderabad where his wife was offered a job to make both ends meet, but she was too emotionally broken to live in a far away place.
 The whole family had to suffer unimagina wa in wa wable hardships after the  and tragic death of the wa sole earning member. The widow along with children began to live in a very pitiable condition; finally, the elder brother of the ill-fated lady had to bring them at his residence.  A significant term insurance policy of Mr. X would have avoided all these misfortunes.

Term insurance is damn cheap. One may get insurance of Rs 10000,000 for around Rs. 1a0,000 per annum at an early age. One has small salary initially, but the number of deapendents is significant. Therefore, one can’t afford expensive insurance policies to protect all his dependents, and cheap term insurance policy becomes a natural choice.

 However, one must do due diligence in selecting a right insurance company. Here are some tips for choosing right term insurance product.

1. Compare premium rates of healthy and sound insurance companies on the internet.

2. Don't opt costly riders. 

3. If you decide to purchase insurance from an insurance agent, select a full-time insurance agent. He will always be available to serve you. Persons, doing insurance for part time income, often throw the towel.
4. Reveal all facts honestly. Don't hide anything otherwise insurance company will reject the claim when your family members will need it most.

5. Buy separate policies for each dependent according to their requirements to avoid quarrel among them for insured amount.

6. Chose an insurance company having good claim settlement ratio.
7. Opt for monthly installments initially. Insurance companies do due diligence after taking the first premium. Your money remains blocked during their tardy procedure. FurtherYou will lose less in the case of online fraud.

Your term/accidental insurance policy will protect your family members in any mishap that may happen to you and will also be easily affordable by you.
 We shower precious gifts to our nears and dears on marriage. Will it not be an excellent idea to gift them a term insurance of Rs. 50 lacs or Rs. 1 crore?

NO NEWS IS GOOD NEWS

Indian Railways runs 12617 passenger trains daily.  Every train reaches its destination safely. Does any TV channel telecast their safe arrival? No

100,000 flights fly all over the world. Millions of passengers board them and reach their destinations hail and hearty. Does any newspaper publish their safe arrival on the front page? Again a big No.

Why? Why media does not care for safe arrivals of airplanes and make them news items. Because the pleasant news is abundantly found everywhere. There are only 4.03 fatalities per million hours in airline flights.

My one colleague worked at Bettia.We seldom heard about him as long as he was okay.  On one black day, he died in a     train accident. The Police dialed last called number of his mobile to inform his sad demise. The sad news spread like a    forest fire.

We mortal human beings have an awful habit of apprehending dangerous things, though they happen rarely. 
Therefore, transmit “ NO NEWS IS GOOD NEWS” in your subconscious mind, by constant repetition, to counter our silly habit of apprehending bad omens. 

वृद्धाश्रम या वृद्धमोहल्ला

बुढ़ापा  शेष  अन्य  चीजों  जैसा  ही  है , इसे  सफल  बनाने  के  लिये  आपको जवानी  में  ही  शुरुआत  करनी  पड़ती  है। --- थिओडोर  रूज़वेल्ट 

आजकल सोशल-मीडिया पर वृद्धाश्रम पर अत्यन्त भावनात्मक लेख पोस्ट किये जा रहे हैं, जिन्हें पढ़कर कलेजा मुँह को आ जाता है। यह एक बड़ी विडंबना है कि सोशल मीडिया पर भावनात्मक लेख लिखने वाले कुछ लोग अपनी वास्तविक जिंदगी में ठीक उसका उल्टा करते हैं। कुछ लोगों को तो  मैं अच्छी  तरह से  जानता हूँ , लेकिन नाम बताने की हिम्मत तो मे्रे पुरखे भी नहीं कर पाएंगे। इसमें अन्यथा लेने वाली कोई  बात भी  नहीं है क्योंकि ,"मुख में राम बगल में छुरी"वाली कहावत तो कोई नई  नहीं है।

ऐसे देखा जाए तो हमलोग भी वृद्ध-मोहल्ले में रहते हैं। हमारे मोहल्ले में अधिकांश युवक बंगलुरु या अन्य  बड़े शहरों  में काम करते हैं और उनके माँ-बाप यहाँ अकेले रहते हैं। कई बार बच्चे जिद करके हमें अपने साथ ले जाते हैं , लेकिन कुछ दिन बाद भागकर हमलोग फिर बैंकर्स कॉलोनी, मुजफ्फरपुर आ जाते हैं, क्योंकि वहां हमारा मन ही नहीं लगता है। ईश्वर की असीम कृपा से हमलोगों को बच्चों पर आश्रित नहीं रहना पड़ता है, लेकिन प्रौढ़ अवस्था या बुढ़ापा अकेले बिताना भी काफी चुनौतीपूर्ण कार्य है।

लोग प्रायः कहते हैं कि माँ-बाप बच्चों की इतने शौक से परवरिश करते हैं, लेकिन बच्चे अपने माँ-बाप को दूध की मक्खी की तरह निकाल फेंकते हैं। वस्तुतः बच्चे इतने मनोहर होते हैं कि लोग दूसरों के बच्चों से खेलने में भी आनंदित हो जाते हैं। कोई बच्चा आपको देखकर जबरदस्ती सम्मान नहीं मांगता है और न ही वह आपसे  किसी की शिकायत करता है, वह सिर्फ आपको देखकर हँसता-मुस्कराता है। मेरे पड़ोस की बच्ची जब भी मुझे देखती है, हँसते हुए मेरी तरफ दौड़ती है, मैं भी उसे गोद में उठाकर प्यार करता हूँ और थोड़ी देर के लिए अपना तनाव भूल जाता हूँ। वस्तुतः बच्चे अपने-आपको इतना हल्का बना लेते हैं कि हर कोई उन्हें उठा लेता है। वे अपने माँ-बाप को कभी यह नहीं कहते कि आपने मुझे पैदा किया है तो आपको मेरा लालन-पालन करना ही पड़ेगा। अर्थात वे अपना अधिकार नहीं मांगते हैं, बल्कि अपनी प्यारी छवि से सब काम करा लेते हैं।

 मेरे मित्र अरुण जी के पिता जी अत्यंत बूढ़े थे, जब भी मैं अरुण जी से मिलने जाता था, चाचा जी के लिए पान लेकर जाता था, क्योंकि वे पान के बहुत शौक़ीन थे  और  बहुत खुश होते थे, थोड़ी देर मैं उनके पास बैठकर बात करता था। वे मेरे परिवार के सदस्यों के कुशल-क्षेम पूछते थे।  कभी भी उन्होंने अपने बेटे या बहू की  शिकायत नहीं की। अगर शिकायत करते तो शायद मैं उनके पास बैठ भी नहीं पाता। कभी उनके बच्चों या बहू ने भी उनकी शिकायत नहीं की। यद्पि बुढ़ापा काफी कष्टकारी होता है, फिर भी उन्होंने अपने मन में दूसरों के प्रति खटास नहीं पाली और काफी संतुष्टि के साथ इस संसार को अलविदा कहा। मैं ऐसे बुजुर्गों को भी जानता हूँ , जो हर बात में मीन-मेख निकाल कर न सिर्फ अपनी जिंदगी नरक बना लेते हैं, बल्कि पूरे परिवार के लिए भारी मुसीबत बन जाते हैं।

मुझे तो श्रवण कुमार की कहानी पढ़कर बड़ा अटपटा लगता है। श्रवण कुमार माँ-बाप की भक्ति के लिए आदर्श थे। आदर्श तो लाखों में एक होता है तभी उसकी उपमा दी जाती है, अगर श्रवण कुमार लाखों में एक थे तो तब शेष बच्चे कैसे थे ? और क्यों  वर्षों  से  यह  कहावत चली  आ  रही  है  कि  बाप  बनकर  कोई  किसी  से  कुछ  नहीं  ले  सकता  है। 

 बेवफाई एक शाश्वत सत्य है।  अपने शरीर से ज्यादा प्यारा कौन हो सकता है, बचपन से इसका हम कितना ख्याल रखते हैं, बढ़िया से बढ़िया भोजन कराते हैं, सुन्दर वस्त्र पहनाते हैं, इत्र, क्रीम और महंगे साबुन लगाते हैं, लेकिन सबसे ज्यादा कष्ट भी हमें अपना शरीर ही देता है।अनेक प्रकार की बीमारियों को पालकर शरीर  हमें कष्ट देता है और  बुढ़ापे में  भी  साथ नहीं  देता है। एक दिन तो  यह पूरी तरह जवाब दे देता है।

   ईसा मसीह ने दस कोढ़ियों को ठीक कर दिया, उनमें से सिर्फ एक उन्हें धन्यवाद देने आया, शेष नौ ने इस  छोटी  सी  औपचारिकता  को  निभाना भी उचीत नहीं समझा। तात्पर्य यह है कि यह निर्मम संसार युगों-युगों से ऐसा ही है और ऐसा ही रहेगा। बेहतर है कि इस संसार के अनुसार हम अपने-आप को ढाल लें। 
 बिंदास जीने का नाम ही जीवन है।  अतः बच्चों के साथ रहें, वृद्धाश्रम में या वृद्धमोहल्ले में रहें, अपने अस्तित्व से दूसरों को खुश रखें, उनपर कम से कम बोझ बनें और बिंदास जियें।

WHERE AND HOW TO FIND PERFECT PEOPLE?

 A smart young man was searching a perfect bride; after making marathon efforts he found one, but alas, the poor chap was not a perfect groom in the girl's eyes.

    Even Shri Ram, and Shri Krishna had weaknesses. Shri Ram killed Bali by hiding. Shri Krishna had to flee from a fight. Therefore he is lovingly called Ranchhor too.

Hitler was a charismatic personality, a great orator, hard working honest leader as well as a visionary. He led  Germany successfully in the great depression. He worked wholeheartedly for his country.
 Hitler had the capability of becoming a historic personality but his hatred, against Jews, gays, etc., caused large-scale genocide. He became responsible for killing 5.5 million Jews and many million others. So despite all his talents, he is branded the biggest villain in the world.

None is perfect. Let's adjust and work with imperfect human beings.  Mahatma Gandhi fought freedom struggle successfully with illiterate masses. Shri Ram killed Ravan and captured Shri Lanka with the army of monkeys.

NATURAL MULTITASKING IS MANDATORY.

I like "multi-".....multiplicity, multicultural, multiplication etc. Any contribution to diversification and value augmentation is achievement.

--- Rossana Condoleo

If you manage your multitasking, you will be much more effective than if you simply hop from project to project without driving them to completion.

--- Mitch Thrower

Napoleon Hill advocated having a definite chief aim in his bestseller “Law of Success." I wondered how a man could have only one aim.

 We have many targets to achieve i.e. good education for children, own house, good health, own car, happy family life, sufficient money, etc. So having a definite chief aim has always been a mystery to me. I also read Peter Drucker's ”Management by objectives."

   After pondering much, I concluded the following.

If one has a definite chief aim of becoming a multimillionaire, one must have many other short term and medium term goals such as earning a targetted high income by synergizing efforts, saving and investing with time bound plans, etc.

If we have a definite chief aim of making our country richest and strongest, we must have many other short term and medium term goals of population control, educating masses, nurturing talents, increasing exports, decreasing imports, etc.

Therefore one definite chief aim must have hosts of subsidiary goals, and we must work to achieve them with strict time bound plans.

 Thus, multitasking is not only essential but mandatory also.

 Our body also does multitasking of purifying the blood, digesting food, fighting diseases, inhaling air, etc. to achieve the definite chief aim of maintaining a good and robust health.
Just imagine what will happen if our body insists on one task at a time.

PRACTICE MAKES A MAN PERFECT.

Lord Shrikrishna preached in holy Bhagwad Gita," For one who remembers Me without deviation, I am easy to obtain." He did not exhort to remember his name on mere Krishnashtmi or any other auspicious day. Lord urged to remember his name continuously and without any deviation.

Continuous practice is the secret of success in all fields. One must not only repeat, repeat and repeat but also practice, practice, and practice. If one aspires to inculcate a healthy habit, one must read it, repeat it and practice it. Benjamin Franklin used to choose one good habit and practiced it for one week. He picked another good activity in the next week and practiced the same for another week. He did so till that good habit became his reflex action.

Therefore if you like any article of our lovely blog "truedreams19000.blogspot.in" Don't be satisfied by mere reading it once. Save that creation in the bookmark to read and repeat it time and again. Make your password with initials of that article in combination with numerical and special characters. Repeat it time and again while doing the morning walk. Repeat it time and again while doing other chores.Don't leave it unless and until it becomes part of your subconscious.
Thus anyone can achieve immense success and happiness.

TREAT EVERY SECOND DIAMOND CHIP.

Lost time is never found again.

- Benjamin Franklin.

“The bad news is time flies. The good news is you're the pilot." -”

-  Michael Altshuler

The great people such as Mahatma Gandhi, Abraham Lincoln, Leo Tolstoy, Jawahar Lal Nehru had only 24 hours a day, but they used their 24 hours efficiently and effectively to achieve greatness.

 The great scientists such as Thomas Edison, Homi Jahangir Bhabha, APJ Abdul Kalam had only 24 hours a day, but they used their 24 hours efficiently and effectively to achieve greatness.

The great industrialist such as Bill Gate, Marc Juberg, Dhiru Bhai Ambani, Jamshedji Nusserwanji Tata had only 24 hours a day, but they used their 24 hours efficiently and effectively to achieve greatness.

Let's treat each and every second diamond chip and invest in such a way that it gives fantastic results towards the achievement of our coveted goals.

DO PERFECTLY IN REASONABLE TIME

Once I decided to impress my better half, and I asked her to mention any date from the calendar of 2014. Madam spoke a few dates; I promptly told the related days. She was much impressed. I, then, suggested her to read my article," Remember Calendar of 3 years."

 One Sunday, I was going to association office in haste. Madam was chatting with her friend. She suddenly asked me on which day the 17th September 2015 falls. I was preoccupied to reach association office in time. Therefore I had two options.

 I would have politely told her that this calculation will take a little time, and I have to reach office in time. So I shall give the test later on. Alternatively, I would have calculated it coolly.

 The Key for September 17, 2015, is 1. So by adding 17 and one we get 18 and by dividing 18 by 7, we get remainder 4. So the day is Thursday. But I calculated wrongly in haste and replied,"Friday."

I left for association office hurriedly. However, I realized my mistake within few minutes on my way.
Later on, I told Madam about the error. She was deeply disappointed since all this happened before her friend.

The habit of doing things perfectly saves our time and keeps us tension free since we don't have the discomfort of doing it again with a self-reproach. 
Following age old proverbs also testify my contention.

HASTE MAKES WASTE.

SAFETY FIRST, SPEED AFTERWARDS.

A STITCH IN TIME SAVES NINE.

THE HURRYING MOUSE FALLS INTO THE MILK.

जल्दीबाजी  का  काम  शैतान  का 

AVOID SHORTCUTS

There are many shortcuts to failure, but there are no shortcuts to true success.

--- Orrin Woodward

Shortcuts make long delays.

--- J.R.R. Tolkien.

We all naturally want to become successful. We also want to take shortcuts. And it's easy to do so, but we can never take away the effort of hard work and discipline and sacrifice.

--- Apolo Ohno.

Champions know there are no shortcuts to the top. They climb the mountain one step at a time. They have no use of helicopters!

--- Judi Adler.
God didn't adopt shortcuts while creating this beautiful world. He created mouth-watering fruits, beautiful scenery, large oceans, breathtaking mountains, kind and compassionate human beings.

Attribution: By Daniel Schwen (Own work)[CC BY SA 4.0 (http//creativecommons.org/licenses/by-sa/4

   All the beautiful creation by human beings such as Tajmahal, Eiffel Tower, Great Wall of China, Statue of Liberty etc are result of careful hard work with unbelievable patience and perseverance.
 We must avoid shortcuts at all places.
  Diligence, patience and perseverance is always followed by stupendous and long lasting success.

HOW REPETITION SAVED ME FROM NASHAKHURANI GANG.

 Five years ago I was at Patna Railway Station where I saw a large number of posters exhorting passengers not to consume anything from unknown persons.

I purchased a ticket for an express train for Mughalsarai but had to board a local train since there was too much rush in general compartments of express trains.

The local became very late due to frequent overtaking by express trains. I ran out of water at a small station where the train stopped for more than half hour since two express trains overtook us in continuation. I became very thirsty and decided to drink water from the hand pipe. But Alas! All the hand pipes at the station were dry. I was restlessly searching for water. One Dhoti clad dark complexioned man, in his fifties, offered to help me. He fetched water in my pot from a 200-meter distant place. I was about to drink water out of severe thirst. Then incidentally my eyes glanced at a poster exhorting to be aware of Nashakhurani gangs.

My sixth sense got alert at once, and I just touched the pot with my lips but only feigned to take water. The impostor of Santa Clause had suspicious body language. He went out of the compartment for a short while; I took advantage of this opportunity and changed the compartment. The black sheep came searching for me restlessly within ten minutes and asked,” Sahab, why have you changed compartment?” I made some lame excuses; the thug was astonished to see me in senses and departed in a flustered state.

Indeed, the large numbers of posters, making public aware of Nashakhurani gangs saved me and I reached Mugalsarai safe after completing the journey of 212 Kilometers in ten hours.

Wise men exhort writing our goals and pasting it at a conspicuous place (e.g. mirror). This shows our unflinching commitment towards our goals and also stalls our minds from forgetting them. Try it for reaping a good harvest.

WHAT IS THE GREATEST SIN?

I was with my elder son for ten days in Bangalore. We went to Pondicherry and enjoyed the clean and beautiful city. He took all cares of his mother and me.

CHILDREN ARE A GIFT FROM GOD

I remembered his childhood days. How I used to punish him due to my frustrations and depressions earned in office. I was thinking with self-reproach,” Was it proper to punish a small child on a little pretext to ventilate frustrations of my workplace?”

In another incident, one of my close relatives called on us with his family members a few months ago. He has two beautiful sweet children. He was lovingly teasing them,” We will leave you at this place.” His two years old younger daughter was taking his teasings right. The poor girl was totally nervous, and she desperately hugged her mother tightly. I intervened finally and lovingly forbade him not to tease children.

At another place, a grown up was entertaining himself by abusing a small child. The child was retorting in the same language.

Is it proper to tease lovely children and give them psychological shocks just for the pastime? Is it proper to punish an innocent looking child on small pretexts because one is carrying loads of frustration, tiredness, and depression from his workplace?
 Is it not the greatest sin of this world?