International Yoga Day कवीता-- योग (श्री राजेन्द्र प्रसाद पाण्डेय )

Finishing a good book is like leaving a good friend

'Finishing a good book is like leaving a good friend'

Toastmasters Speech 3: Get to the Point-- "Invest early Invest Properly"

EXECUTIVE SUMMARY:

Every speech must have a general and a specific purpose. A general purpose is to inform, to persuade, to entertain or to inspire. A specific purpose is what you want the audience to do after listening to your speech. Once you have estab­lished your general and specific purposes, you'll find it easy to organize your speech. You'll also have more confidence, which makes you more convincing, enthusiastic and sincere. Of course, the better organized the speech is, the more likely it is to achieve your purpose.

OBJECTIVES:

·       Select a speech topic and determine its general and specific purposes.

·       Organize the speech in a manner that best achieves those purposes,

·       Ensure the beginning, body and conclusion reinforce the purposes.

·       Project sincerity and conviction and control any nervousness you may feel.

·       Strive not to use notes.

Time: Five to seven minutes

Below is my Toastmaster's project 3 speech which I presented in TCS Maitree Toastmasters Club, Mumbai on 13 Jun 2014.

Invest early Invest Properly

When we look at our pay slip it’s obvious for net salary to hurt but it's tax component that devastates us.

Good morning dear toastmasters and dear guest. I am not going to talk about tax saving. I am going to inform you about Investment.

When we start earning and money starts pouring into our bank account .Fist mistake that we do is to indulge in unnecessary and unwanted expenses and then we start thinking about saving. Next we think about tax saving to increase our earning. When we think about tax saving then comes a highly inexperienced, naively overenthusiastic friend who suggests us to invest in some exotic investment product to save tax of which he himself has no idea how that investment product works. And what we do? We follow his suggestion and we invest. How we invest?  First year we invest in Jeevan rachha policy and next year we invest in jeevan surakchha policy.

I am happy with boys at least they make investment mistakes. But Girls excuse my ignorance and stop bothering your dad to manage your investments and stop forcing your husband to buy gold

Now question comes what should we do?

First understand what investment is? Investment is an asset purchased with the hope that it will generate income or appreciate in future. How it is different from saving? In saving objective is to keep your money safe but in investment you keep your money at risk to earn more money.

Saving is an activity but Investment is a process. I define investment process in three steps and I call it GPL process

G is for goal. First thing for any investment is to create a Goal. A real materialistic goal not spiritual or intangible goal; A monetary goal.

For example her goal can be that she wants to leave in 4 BHK apartment in Hiranandani tower,drive BMW,and   a vacation in bora bora island or goal can be like my goal to have a 1 BHK in kalyan, drive second hand nano and a vacation in Ali bagh . Important point is that we should  invest for some goal for future. Remember tax saving should not be the only objective of investment, it should be one of the objective.

The next step of GPL process is Plan. Once you have defined your goals you need to Plan your investment. Access your Income and expenses. Define you risk level.   Investment rule says more risk more reward. Based on your risk appetite and return expectation select investment product like PPF, fixed deposit , real state,  mutual fund, stocks  etc. Don’t procrastinate your investment decision. If you are investing for retirement planning invest now.

Third and most important step in GPL is to Learn. Learn about product that you are investing. Learn how that product works. Never ever  invest in a product that you do not understand how it work, How it generates return. Learning will save you from frauds and Ponzi schemes.  Be an informed investor.  Do not just follow others.

Next time when you invest for tax saving recall the GPL investment process i.e. goal plan and Learn.Ask yourself have you identified your goal of investment,have you planned your investment properly,and have you learnt about product in which you are going to invest? 

Before I end; as a good financial advisor it’s my duty to provide disclaimer:

All investments are subjected to market risk, read all scheme related document carefully before investing. Invest early invest properly. 

इज़हार ..

फूलों सी तुम नहीं तो क्या
                  मेरे दिल में तुमसे ही बहार है |

हिरनी सी चाल नहीं तुम्हारी तो क्या
           मेरे दिल को तुम्हारा ही इंतजार है |


संगेमरमर में तराशा बदन नहीं तो क्या
               मेरे दिल में एक शिल्पकार है   |

हार जाऊं इस ज़माने से तो क्या
       मेरे दिल को तुमसे जीत की दरकार है |

हैं फिजायें खुबसूरत तो क्या
         मेरे दिल को सिर्फ तुमसे ही प्यार है  |

 झुकी पलकें, बंद होठों से ही कहना
           मेरे दिल पर तुम्हे भी ऐतबार है |
                                                  
                                                                                     झुकी पलकें, बंद होठों से ही कहना                                                                                                      मेरे दिल पर तुम्हे भी ऐतबार है |
                                                                                                                       
                                                                                                                 रजनीश.... 

inspiredbydj --हम ख्वाब दिखाने वाले हैं !!

http://inspiredbydj.blogspot.com/2011/03/hum-khwab-dikhane-wale-hain.html

यह रचना पूरी तरह से मेरी original रचना नहीं है. Its inspired  by  DJ (Deepa Jain ). She is extremely talented writer. This is link of her blog http://inspiredbydj.blogspot.com/

Do check her blog you'll find some very good poems,stories and nice thoughts

हम ख्वाब दिखाने वाले हैं !! 

कुछ पगले पूछें, दुनिया से क्या लेकर जाने वाले हैं,

उन्हें बता दें, हम तो सब कुछ यहीं उड़ाने वाले हैं,

जो बच जाये, नौ पुश्तों के नाम कराने वाले हैं,

वो भाव पूछने वाले हैं, हम रूप परखने वाले हैं,

वो ख्वाब देखने वाले हैं, हम ख्वाब दिखाने वाले हैं!

उनकी चाहत खुशियों की, हम खुशियों की सौगात दिखाने वाले हैं, 

उनका जीवन बेरस बेसुर, हम जीवन सरगम की साज सुनाने वाले हैं 

उनका हमें कोई सरोकार नहीं, हम उनकी सरकार चलाने वाले है,

वो रंग बनाने वाले हैं, हम रंगीन बनाने वाले है, 

वो ख्वाब देखने वाले हैं, हम ख्वाब दिखाने वाले हैं!

उनके आँगन बारिश को तरसें,हम उनके घर बरसात कराने वाले हैं, 

उनकी रातें ठंडक में ठिठुरें, हम उनके घर आग लगाने वाले हैं,

उनका हमें कोई सरोकार नहीं, हम उनकी सरकार चलाने वाले है,

वो मत देने वालें हैं, हम मत पाकर मतवाले हैं,

वो ख्वाब देखने वाले हैं, हम ख्वाब दिखाने वाले हैं!

तुलसी से तुलसी दास

क्यों प्रिये मुझे तुम छोड़ गए ,

               जग जीवन से मन तोड़ गए |

विचलित तन मन था तुम बिन ,

                  कट नहीं रहे थे ये पल छिन |

तुम बिन जीवन में कुछ न रखा है,

                 तुम बिन मेरा कौन सखा है |

आँखों से हटती नहीं तुम्हारी काया

           तुमसे मिलने रत्ना, देखो तुलसी आया |

आंधी तुफानो को पार किया है,

          सरयू के उफानो को पार किया है |

छोड़ जगत के सब काम काज,

          लो आ गया मैं तुमसे मिलने आज |

ये दिव्य प्रेम मैं दर्शाता हूँ ,

          रत्ना तुम बिन, नहीं रह पता हूँ |

घोर अचम्भि कुंठित रत्ना,

             करो तुम ऐसा, कभी न देखा सपना |

क्यों विचलित मन आन हुआ है,

             इससे प्रेम का ही अपमान हुआ हुआ है |

हाड मांस की है, बनी ये काया ,

              क्या इससे मिलने ही तुलसी आया |  

दिव्य कह रहे हो जिस प्रेम को ,

                 स्वामी; धिक् धिक् है वैसे प्रेम को |

अंश मात्र भी, राम चरण में लग जाता

                   तब यह जीवन सफल हो जाता |

भौतिकता में रमे इस मन को,

                       कितना मैं समझाता हूँ |

अर्जित है अथाह समन्दर,

                     पर उसको भी कम पाता हूँ |

विचलित अज्ञानी अभिमानी मन,

                     व्यर्थ प्रलोभन से हो चला हताश |

 कटु सत्य कहा था तब रत्ना ने ,

                   बन जाये ये तुलसी भी अब तुलसी दास  |

तो लो धिक्कारता हूँ मैं भी अपने आप को ,

             जिस तरह रत्नावली ने  धिक्कारा था तुलसी दास को |
 


 

Contrary view: I want to fly !!

Flight IC131 Mumbai to Raipur requesting landing clearance

Hello control center this is captain Avinash IC131 From Mumbai, need permission to land

Control Center: Hold on!! Hold On!!First let me inform you something. As per revised directive before we give you clearance to land you need to answer the question that we are going to send.

Here we go please answer it.

The length s of the arc of a curve y = f(x) from x = a to x = b is given by:

Find the length of the curve y = ln (cos x) from x = 0 to

Captain Avinash: What the hell is this ?

Control room: ohhh.. Don't you know what integration differentiation is? Don’t tell us you cannot solve this problem.

Captain Avinash: How can I solve it now and what it has to do with landing?

Control room: Why?? Why you can't solve it ? Have you not passed 12^th standard with 95 marks in math? At least that’s what your certificate says!

Captain Avinash: Yaa!! but it has been 12 years now. I don’t remember it now.

Control room: Ahhh You don't remember or you don't know how to solve it.

Captain Avinash: God damn!! OK I don't know. Please give me clearance to land.

Control room: Sorry Captain Avinash as you accepted you can't solve it so now let me tell you something important, because you were not able to answer it we have confirmed that certificate that you have submitted for pilot license was fake. 

Captain Avinash: Bloody hell !! Are you mad?

Control room: Is co-pilot able to solve it?

Captain Avinash: He doesn't even remember what integration is.

Control room: ohhhh in that case his certificate was also fake!!

Captain Avinash: ohh You fool.Is this time to talk all these shits.If you want to ask something then why don't you ask about aviation. 

Control room: We don’t have such instruction.

Captain Avinash: Ok!! For god sake tell me what you want me to do now?

Control room: We don't know!! We don't have any instruction in the case where pilot is not able to answer. We have to contact head office now so till the next instruction is given just circle around.

After 10 min

Control room:  Hello Captain Avinash IC131.

Captain Avinash: Yes

Control room:  I am afraid but your pilot licence has been cancelled.  

Avinash: WTF!!! What are you saying, it's bullshit. What should I do now?

Control room:  We don't know. We don't have any instruction. Let us contact head office again.


After 10 min

Control room:  We are giving you clearance just land the flight safely. 

There was no response..

Control room: Hello Captain Avinash IC131.We are giving you clearance to land. Please land immediately.

 Avinash: I don’t know how to land!!

Control room:  You must be kidding. We know you are flying for last 5 years.

Avinash: I have fake certificate.  I don’t have licence to fly then how can you expect me to know how to land. I think this flight is going to crash today

 Control room:  You cannot do like this. For god’s sake think of passenger in flight

It’s just technically you don’t have pilot license but you have controls and you know how to fly.

Avinash: Ohh so you are saying technically I am not authorized to fly but I have control of this flight and so many lives. Soooo don’t you think technically this flight has been hijacked.

Control room: No , You cannot do this. It’s an order!! land immediately

Avinash: Do you think now I am authorized to take your orders?

Control room raised alarm Flight IC131 hijacked!!!

Control room: OK you moron!!  What are your demands?

Avinash: My demand !!

When I was kid every time a plane flies over my house I run out and watch it in the sky . I had a dream, that one day I’ll also fly. I might have failed to learn complex mathematical equations but I know a great deal about aviation. If I land today I know you are not going to allow me to fly again so I don’t want to land I want to fly

My comments: Its irony of our system where certain skill based professions also require to obtain eligibility stamp

Power Slap !!

अगर एक तमाचे से ही सब अच्छा हो जाता 

तो मैं भी जाकर उनको दो चार लगा आता 

खूब होते फिर चर्चे मेरी साहस के भी 

और तब मैं भी सच्चा देशभक्त कहाता  

विकट समस्या आन पड़ी है देश में मेरे

बड़ा झमेला, वक्त कहाँ है पास में मेरे तेरे

कितना अच्छा होता गर दो मिनट में ही निपटता

तो मैं भी जाकर उनको दो चार लगा आता 

बढती मंहगाई भुखमरी और भ्रस्टाचार

अकर्मठ नेता, निष्क्रिय जनता, सब लाचार

        मिटेगा कष्ट नहीं, लाख लगाओ Pawar को Slap 

          बता खुदा कहाँ से लाऊं मिटा सके वो Power Slap    

  खोज के देखें, गर वो  Power Slap  मिल जाता 

तो मैं भी जाकर उनको दो चार लगा आता 

अगर एक तमाचे से ही सब अच्छा हो जाता 

तो मैं भी जाकर उनको दो चार लगा आता

रजनीश .....

 

It's Movember - Donate to me

It's Movember, the month formerly known as November, now dedicated to growing moustaches and raising awareness and funds for men's health. I have donated my top lip to the cause for 30 days in an effort to help change the face of men's health. My Mo sparked conversations, and no doubt generated some laughs; all in the name of raising vital awareness and funds for cancers affecting men.

I'm asking you to support my Movember campaign by making a donation by either:

*Donating online at:  http://mobro.co/Rajneesh

 *If you want to go old school you can write a cheque payable to 'Movember', reference my name and Registration Number 1744884 and send it to: Movember Europe, PO Box 68600, London, EC1P 1EF

If you'd like to find out more about the type of work you'd be helping to fund by supporting Movember, take a look at the Programmes We Fund section on the Movember website: http://uk.movember.com/about

Thank you in advance for supporting my efforts to change the face of men's health.

Rajneesh Pandey

एक पहचान ढूंढता हूँ ....