*Live life Naturally*

खुद को बढ़ती उम्र के साथ स्वीकारना तनावमुक्त जीवन देता है।
हर उम्र एक अलग तरह की खूबसूरती लेकर आती है, उसका आनंद लीजिये।

बाल रंगने हैं तो रंगिये,

वज़न कम रखना है तो रखिये,
 
मनचाहे कपड़े पहनने हैं, तो पहनिये। 

बच्चों की तरह खिलखिलाइये,
 
अच्छा सोचिये, 

अच्छा माहौल रखिये, 
 
शीशे में दिखते हुए अपने अस्तित्व को स्वीकारिये।

कोई भी क्रीम आपको गोरा नहीं बनाती, 
कोई शैम्पू बाल झड़ने से नहीं रोकता,
कोई तेल बाल नहीं उगाता, 
कोई साबुन आपको बच्चों जैसी स्किन नहीं देता। 
चाहे वो प्रॉक्टर गेम्बल हो या पतंजलि ..... 
सब सामान बेचने के लिए बोलते हैं। 

ये सब कुदरती होता है। 
उम्र बढ़ने पर त्वचा से लेकर बालों तक में बदलाव आता है। 
पुरानी मशीन को maintain करके बढ़िया चला तो सकते हैं,पर उसे नई नहीं कर सकते।

ना किसी टूथपेस्ट में नमक होता है ना किसी में नीम। 
किसी क्रीम में केसर नहीं होती, क्योंकि 2 ग्राम केसर भी 500 रुपए से कम की नहीं होती ! 

कोई बात नहीं अगर आपकी नाक मोटी है तो,
कोई बात नही आपकी आंखें छोटी हैं तो,
कोई बात नहीं अगर आप गोरे नही हैं 
या आपके होंठों की shape perfect नहीं हैं....

फिर भी हम सुंदर हैं, 
अपनी सुंदरता को पहचानिये
 
दूसरों से कमेंट या वाहवाही लूटने के लिए सुंदर दिखने से ज्यादा ज़रूरी है, अपनी सुंदरता को महसूस करना।

हर बच्चा सुंदर इसलिये दिखता है क्योंकि वो छल कपट से परे मासूम होता है और बडे़ होने पर जब हम छल व कपट से जीवन जीने लगते है तो वो मासूमियत खो देते हैं,
..फिर उस सुंदरता को पैसे खर्च करके खरीदने का प्रयास करते हैं।
 
मन की खूबसूरती पर ध्यान दो।

पेट निकल गया तो कोई बात नहीं उसके लिए शर्माना ज़रूरी नहीं । 
आपका शरीर आपकी उम्र के साथ बदलता है तो वज़न भी उसी हिसाब से घटता-बढ़ता है, उसे समझिये।

सारा इंटरनेट और सोशल मीडिया तरह-तरह के उपदेशों से भरा रहता है,

ठंडा खाओ, गर्म पीयो, 
कपाल भाती करो,  
सवेरे नीम्बू पीयो ,
रात को दूध पीयो,
ज़ोर से सांस लो, लंबी सांस लो 
दाहिने से सोइये ,
बायें से उठिये,
हरी सब्जी खाओ, 
दाल में प्रोटीन है,
दाल से क्रिएटिनिन बढ़ जाएगा।

अगर पूरे एक दिन सारे उपदेशों को पढ़ने लगें तो पता चलेगा 
ये ज़िन्दगी बेकार है, ना कुछ खाने को बचेगा ना कुछ जीने को !!
आप डिप्रेस्ड हो जाएंगे।

ये सारा ऑर्गेनिक ,एलोवेरा, करेला, मेथी ,पतंजलि में फंसकर दिमाग का दही हो जाता है। 
स्वस्थ होना तो दूर, स्ट्रेस हो जाता है।

अरे! अपन मरने के लिये जन्म लेते हैं,
कभी ना कभी तो मरना है ही,अभी तक बाज़ार में अमृत बिकना शुरू नहीं हुआ।

बस, हर चीज़ सही मात्रा में खाइये, 
हर वो चीज़, जो आपको अच्छी लगती है। 
भोजन का सम्बंध मन से होता है,
और मन अच्छे भोजन से ही खुश रहता है।
मन को मारकर खुश नहीं रहा जा सकता।

थोड़ा बहुत शारीरिक कार्य करते रहिये,
टहलने जाइये, 
लाइट कसरत करिये  

व्यस्त रहिये,  

खुश रहिये ,

शरीर से ज्यादा मन को सुंदर रखिये।

*Swiss Time Bank*

Recently I received a wonderful forwarded message through WhatsApp, which I could not resist sharing.

*Swiss Time Bank*

A student studying in Switzerland 
observes:

While studying in Switzerland, 
I rented a house near the school. 

The landlady Kristina is a 67-year-old single old lady who had worked as a teacher in a secondary school before she retired. 

Switzerland's pension is very good, enough to not worry her about food and shelter in her later years. 

However, she actually found "work" - to take care of an 87-year-old single old man. 

I asked if she was working for money. 

Her answer surprised me: “I do not work for money, but I put my time in the ‘time bank’, and when I cannot move in my old age, I could withdraw it.”

The first time I heard about this concept of "time bank", I was very curious and asked the landlady more. 

The original “Time Bank” was an old-age pension program developed by the Swiss Federal Ministry of Social Security. People saved the 'time' taking care of the elderly when they were younger, and when they were old, ill or needed care could withdraw it.

Applicants must be healthy, good at communicating and full of love. Everyday they have to look after the elderly who need help. 

Their service hours will be deposited into the personal 'time' accounts of the social security system. 

She went to work twice a week, spending two hours each time helping the elderly, shopping, cleaning their room, taking them out to sunbathe, chatting with them. 

According to the agreement, after one year of her service, “Time Bank” will calculate her working hours and issue her a “time bank card”. 

When she needs someone to take care of her, she can use her “time bank card” to “time to withdraw “time and time interest”. After the information verification, “Time Bank” will assign other volunteers to take care of her at the hospital or her home.

One day, I was in school and the landlady called and said she fell off the stool when she was wiping the window. 

I quickly took leave and sent her to the hospital for treatment. 

The landlady broke her ankle and needed to stay in bed for a while. 

While I was preparing to apply for a home to take care of her, the landlady told me that I need not worry about her. 

She had already submitted a withdrawal request to the “Time Bank”. 

Sure enough, in less than two hours "Time Bank" sent a nursing worker to come and care for the landlady. 

In the following month, the care worker took care of the landlady everyday, chatted with her and made delicious meals for her. 

Under the meticulous care of the carer, the landlady soon recovered her health. 

After recovering, the landlady went back to "work".  She said that she intends to save more time in the "time bank" while she is still healthy.

Today, in Switzerland, the use of "time banks" to support old age has become a common practice. 

This not only saves the country pension expenses, but also solves other social problems. 

Many Swiss citizens are very supportive of this kind of old-age pensions. 

The survey conducted by the Swiss pension organization shows that more than half of Swiss people also want to participate in this type of old-age care service. 

The Swiss government also passed legislation to support the "Time Bank" pension scheme.

At present the number of "empty-nest old people" in Asian countries are increasing and it has gradually become a social problem. 

Switzerland style "time bank" pension may be a good option for us too.

What an interesting concept..... hope it gets adapted all over the world soon !!!

(Courtesy - Unknown WhatsApp forwarded message) 

Thanks everyone…...

Air Commodore Vishal was a Jet Pilot. In a combat mission his fighter plane was destroyed by a missile. He however ejected himself and parachuted safely. He won acclaims and appreciations from many.

After five years one day he was sitting with his wife in a restaurant. A man from another table came to him and said "You're Captain Vishal ! You flew jet fighters. You were shot down!"

"How in the world did you know that?" asked Vishal.

"I packed your parachute," the man smiled and replied.
Vishal gasped in surprise and gratitude and thought if parachute hadn't worked, I wouldn’t be here today.

 Vishal couldn't sleep that night, thinking about that man. He wondered how many times I might have seen him and not even said 'Good morning, how are you?' or anything because, he was a fighter pilot and that person was just a safety worker"

So friends, who is packing your parachute?
Everyone has someone who provides what they need to make it through the day.

We need many kinds of parachutes– we need the physical parachute, the mental parachute, the emotional parachute, and the spiritual parachute.

We call on all these supports before reaching safety.

Sometimes in the daily challenges that life gives us, we miss what is really important.

We may fail to say hello, please, or thank you, congratulate someone on something wonderful that has happened to them, give a compliment, or just do something nice for no reason.

As you go through this week, this month, this year, recognize the people who pack your parachute.

😊 *I just want to thank everyone who packed my parachute this year one way or the other*- through your words, deeds, prayers etc !!   Don't want to take any of you for granted .
From the bottom of my heart with all my love.


Wishing you all a pleasant and a memorable end to 2018 and an awesome beginning of 2019. ..



(Courtesy - Unknown WhatsApp forwarded message)

Why Me ?

" Why Me ? "

A Beautiful Message
by Arthur Ashe ,
The legendary Wimbledon Player who 
was dying of  AIDS , which he got due to 
infected blood he received during a 
Heart Surgery in 1983 !

During his illness , he received letters from his fans ,
one of which conveyed :

" Why did God have to select you for such a bad disease ? "

To this Arthur Ashe replied :

- 50 Million children started playing Tennis ,

- 500,000 learnt Professional Tennis ,

- 50,000 came to circuit ,

- 5,000 reached Grand Slam ,

- 50 reached Wimbledon ,

- 4 reached Semifinals ,

- 2 reached the finals and 

when I was holding the cup in my hand ,
I never asked God :

" Why Me ? "

So now I'm in  pain how can I ask God :

" Why Me ? "

Happiness....keeps you Sweet !

Trials.....keep you Strong !

Sorrows....keep you Human !

Failure....keeps you Humble !

Success....keeps you Glowing 1

But only , Faith....keeps you Going !

Sometimes you are not satisfied with 
your life , while many people in this 
world are dreaming of living your life.

A child on a farm sees a plane fly
overhead dreams of flying , while a
pilot on the plane sees the farmhouse
and dreams of returning home. 

That's life !

Enjoy yours ... if wealth is the secret to happiness ,
then the rich should be dancing on the streets. 

But only poor kids do that .

If power ensures security , then VIP's 
should walk unguarded . 

But those who live simply , sleep soundly .

If beauty and fame bring ideal 
relationships , then celebrities should 
have the best  marriages .

Live simply , be happy ! Walk humbly
and love genuinely !

WHY ME ?

A Beautiful Message not just to read
and forward but to apply practically in 
our personal life .



(Courtesy - Unknown WhatsApp forwarded message)

Have a Happy Life !!

Dear friends …

As I sat in the park after my morning walk,
My wife came and slumped next to me.
She had completed her 30-minute walk. We chatted for a while.
She said, she is not happy in life.
I looked up at her in sheer disbelief since she seemed to have the best of everything in life.
Why do you think so?
I don't know. Everyone tells I have everything needed, but I am not happy.

Then I questioned myself, am I happy?  "No," was my inner voice reply.

Now, that was an eye-opener for me.
I began my quest to understand the real cause of my unhappiness,
I couldn't find one.

I dug deeper, read articles, spoke to life coaches but nothing made sense.
At last my doctor friend gave me the answer which put all my questions and doubts to rest. I implemented those and will say I am a lot happier person.

Doctor friend said, there are four hormones which determine a human's happiness
1. Endorphins,
2. Dopamine,
3. Serotonin,
and
4. Oxytocin.
It is important we understand these hormones,
as we need all four of them to stay happy.

Let's look at the first hormone the *Endorphins.*
When we exercise, the body releases Endorphins. This hormone helps the body cope with the pain of exercising. We then enjoy exercising because these Endorphins will make us happy. Laughter is another good way of generating Endorphins. We need to spend 30 minutes exercising every day, read or watch funny stuff to get our day's dose of Endorphins.

The second hormone is Dopamine.
In our journey of life, we accomplish many little and big tasks, it releases various levels of Dopamine. When we get appreciated for our work at the office or at home, we feel accomplished and good, that is because it releases Dopamine. This also explains why most housewives are unhappy since they rarely get acknowledged or appreciated for their work. Once, we join work, we buy a car, a house, the latest gadgets, a new house so forth. In each instance, it releases Dopamine and we become happy.
Now, do we realize why we become happy when we shop?

The third hormone Serotonin is released when we act in a way that benefits others. When we transcend ourselves and give back to others or to nature or to the society, it releases Serotonin. Even, providing useful information on the internet like writing information blogs, answering peoples questions on Quora or Facebook groups will generate Serotonin. That is because we will use our precious time to help other people via our answers or articles.

The final hormone is Oxytocin, is released when we become close to other human beings. When we hug our friends or family Oxytocin is released. The "Jadoo Ki Jhappi" from Munnabhai does really work. Similarly, when we shake hands or put our arms around someone's shoulders, various amounts of Oxytocin is released.

So, it is simple, we have to exercise every day to get Endorphins,
we have to accomplish little goals and get Dopamine,
we need to be nice to others to get Serotonin and
finally hug our kids, friends, and families to get Oxytocin
and we will be happy.
When we are happy, we can deal with our challenges and problems better.

Now, we can understand why we need to hug a child who has a bad mood.

So to, make your child more and more happy day by day ...

1.Motivate him to play on the ground
*Endorphins*
2. Appreciate your child for his small big achievements
*Dopamine*
3. inculcate sharing habit through you to your child
*Serotonin*
4. Hug your child
*Oxytocin*

Have a Happy Life !!


(Courtesy - Unknown WhatsApp forwarded message)

थोड़ी सी खुशी...

*बहुत दिन बाद पकड़ में आई...*
*थोड़ी सी खुशी...*
*तो पूछा ?*

"कहाँ रहती हो
आजकल....
ज्यादा मिलती नहीं..?"

"यही तो हूँ"
जवाब मिला।

बहुत भाव खाती हो खुशी ?..
कुछ सीखो अपनी बहन से...

हर दूसरे दिन आती है
हमसे मिलने..  "परेशानी"।

"आती तो मैं भी हूं...
पर आप ध्यान नही देते"..

"अच्छा?".
"कहाँ थी तुम जब पड़ोसी ने नई गाड़ी ली?"
"और तब कहाँ थी जब रिश्तेदार ने बड़ा घर बनाया?"

शिकायत होंठो पे थी
 कि.....
उसने टोक दिया बीच में.

  "मैं रहती हूँ..…
कभी आपकी बच्चे  की किलकारियो में,

कभी रास्ते मे मिल जाती हूँ ..
एक दोस्त के रूप में,

कभी ...
एक अच्छी फिल्म देखने में,

कभी...
गुम कर मिली हुई किसी  चीज़ में,

कभी...
घरवालों की परवाह  में,

कभी ...
मानसून की पहली बारिश में,

कभी...
कोई गाना सुनने में,

दरअसल...
थोड़ा थोड़ा बांट देती हूँ,
खुद को छोटे छोटे पलों में....

उनके अहसासों में।💒💐
     
लगता है चश्मे का नंबर बढ़ गया है
आपका.?
   
*सिर्फ बड़ी चीज़ो*
*में ही ढूंढते हो मुझे.*
   *खैर...*
*अब तो पता मालूम हो गया ना मेरा*●●●●●
   
*ढूंढ लेना मुझे  आसानी से अब छोटी छोटी बातों में*●●.😊😊

Bank Retirees - The Unwanted Lot

1616-1684 Arrears - Commutation

The matter concerns, refixation  of pension and consequential arrears  with respect to the bank employees who retired or died while in service on or after 1.4.1998 and before 31.10.2002.
Let’s look the operative part of the the various judgements.

Operative part  of Karnataka High Court  Judgement dated 21.04.2011.
# 13…..bank shall pay the differential amount of pension and commutation value of pension to the petitioners on that basis,within a period of eight weeks, if not earlier and in the event of failure to make the payment as above, the banks shall be liable to pay interest at the rate of 10% on the said amounts till the date of payment.

Operative part of SC Judgement dated 13.02.2018.
“# 34. Thus, we set aside the judgment rendered by the High Court of Delhi and affirm that of High Courts of Karnataka at Bangalore and the High Court of Madras. The appeals filed by the Banks are dismissed and the appeal filed by the Association is allowed. Resultantly, let the amount which was due and payable be paid with 9% interest, be calculated and paid within four months from today.

From the above judgements it is clear that commutation is the important part of the arrears to be paid to the concerned employees.

Thus the arrears to be paid will have the following three components.

Arrears  =  Difference of (Basic Pension + DA) with interest @9% plus (+) Commutation Value with interest @9% minus (-) monthly recovery of commutation amount (⅓ of difference of Basic Pension)  for 15 years from the date of retirement.

Now the moot point in payment of arrears of  commutation is the recovery of commutation amount (⅓ of difference of Basic Pension) for 15 years from the date of retirement.

Here I wish to draw attention towards relevant portions of  Regulation 41, of Pension Regulations  which reads as under:-

# 41(2) An employee shall indicate the fraction of pension, which he desires to commute, and may either indicate the maximum limit of one-third pension or such lower limit, as he may desire to commute.
# 41(4) Notes (2) An employee who had commuted the admissible portion of pension is entitled to have the commuted portion of the pension restored after the expiry of a period of fifteen years from the date of commutation.
# 41(4) Notes (6) The commutation of pension shall become absolute in the case of an employee,  (a) retiring on superannuation or voluntary retirement who submits an application for commutation of pension before the date of retirement, on the date following the date of retirement:
# 41(6) An applicant who is authorized a superannuation pension, voluntary retirement pension, premature retirement pension, compulsory retirement pension, invalid pension or compassionate allowance shall be eligible to commute a fraction of his pension under these regulations.
Provided that on and from 1.7.2003, in case of an applicant in whose case the commuted
value of pension becomes payable on the day following the date of his retirement or from the
date from which the commutation becomes absolute, the reduction in the amount of pension on account of commutation shall become operative from its inception. Where, however, payment of commuted value of pension could not be made within the first month after the date of retirement or within the first month after the date when the commutation becomes absolute as the case may be, the difference between the normal monthly pension and the commuted pension shall be paid for the period between the date on which commutation becomes absolute and the date preceding the date on which commuted value of pension is deemed to have been paid.
(AMENDMENT NOTIFIED IN GAZETTE OF GOVERNMENT OF INDIA DATED 24.7.2004)

In the present case, as the commutation value is being paid after 01.07.2003 and a period of more than 15 years have already passed from the date commutation had become absolute, banks are not entitled to make any recovery on account of commutation (⅓ of difference of Basic Pension).

However, even if one takes a very narrow interpretation of the Regulation 41(6) which is operative w.e.f. 01.07.2003, banks at the maximum can recover commutation amount (⅓ of difference of Basic Pension), only from the date of retirement upto 30.06.2003.

I understand that most of the banks have not paid the arrears on account of commutation, which is high handedness ,disregard of Pension Regulations and importantly Contempt of the Court, on the part of bank managements.

I recall from memory, the similar high handedness attitude of the bank managements, while making payment of arrears of pension for 5 years notional service to retirees under Voluntary Retirement Scheme (EVRS-2000) allowed by SC in 2009. At that time also banks recovered commutation amount (⅓ of difference of BP), from the date of voluntary retirement upto the date of payment of arrears in 2009, blatantly disregarding the Pension Regulation 41.6, as above.