Home loans

If you have a home loan you might be really worried with the banks intrest rate going up again.
When banks increase intrest rates..they either increase your Monthly EMI(like 6000Rs a month to 6500 a month) or they increase number of EMIs(Like 5years to 5yrs and 8months)...depending upon your Age and number of service years left.
DO you which of these methods will save you money? NOne. But if you downpay the increase amount at once.(LIke 0.5% hike had made you total payable amount to 6lak 60thousand from 6lak) Pre-Pay the 60thousand if your poket allows you. This way you will be paying the least amount. Banks should not take Pre-Pay penatly...unless you have signed the documents agreeing to pay.

Good and Bad

Good n Bad. Are they relative terms? Something that is good/morale to me might not be to somebodyelse n viceversa.May be because of this relativety that there's so much restlessness in the world. Who decides whats good n bad..what you can do and what you can't? For me, most of the decisions are made by others. I guess thats how the girls are bought up in our society. And ofcourse, to be honest..that made my life easier and more secured manytimes.Its just once or twice I let my heart rule my brain and went a head forgetting whats morely correct. Anyways I couldn't go very far. I was dead scared of society and much more about my parents emotions who are scared of society.Have not been because of this society, girls would have been more like...mm...MEN?! and Men would be morelike....??(Sorry couldn't think of a right word:)
Down the years I lost little fear. Now i am not dead scared...but i am just very conseious of it.
I don't stop myself if i wanna drink with friends or at home..but because i am conseious i take just 2 large.
I don't stop myself if i wanna dance on road...but because i am conseious i check around.
If i wanna crib and bad mouth somebody i will...but because i am conseious..i ensure it does reach there ears.
I wear so called "fashionable" clothes...but because i am conseious...i ask my friend to wear fashionable clothes too for the party.
I DO not, what is expected of me sometimes. I don't feel guilt...but because i am conseious...i act to be.
If i wanna be rude to somebody JLT..i will be...but because i am conseious..i will get diplomatic.
Like i am getting now.

Good and Bad are relative. Aren't they?

Motivate

You know a dream is like a river, ever changing as it flows.
And a dreamer's just a vessel that must follow where it goes.
Trying to learn from what's behind you and never knowing what's in storemakes each day a constant battle just to stay between the shores.
And I will sail my vessel 'til the river runs dry.
Like a bird upon the wind, these waters are my sky.
I'll never reach my destination if I never try,So I will sail my vessel 'til the river runs dry.
Too many times we stand aside and let the water slip away.
To what we put off 'til tomorrow has now become today.
So don't you sit upon the shore and say you're satisfied.
Choose to chance the rapids and dare to dance the tides.

Mastering Emotions

If I feel depressed I will sing.
If I feel sad I will laugh.
If I feel ill I will double my labour.
If I feel fear I will plunge ahead.
If I feel inferior I will wear new garments.
If I feel uncertain I will raise my voice.
If I feel poverty I will think of wealth to come.
If I feel incompetent I will think of past success.
If I feel insignificant I will remember my goals.
Today I will be the master of my emotions.

Emotions

Have you ever wokeup after a nice dream and felt restless, desperately wanting the dream to come true, that too immediately? It happens with me again and again. There are few things in life that come, stay with you for sometime making your life beautiful and then go away. Thats the way of life, i guess. I indulgued myself into painting, yoga, playing shettel and reading Geeta and kept myself busy to counter the flow of emotions that began with a dream couple of days back.BTw the painting in this picture is being done by ME:) I am oil painting for the first time so i might take another 2 weeks to finish it.

Good news is i am fighting my wrost fears these days. One of it is a stage fear(public speaking). I am told to do MC/ achoring for the Ladies Meet this month. Our Theme is Laughter...so i got to be more lively..hmm...lets c :( :)

Wish me luck guys

Going aboard is no more COOL

About two decades ago , over 80% of IITians hopped on to a plane for foreign Destinations.The brains that used to be siphoned off by developed nations are now preferring to stay back home.

In IIT Bombay, 95% of the students got placed in india last year.
In IIT Kanpur, of 270 Btech grads, only 3 went aboard.
And of 267 Mtechs, None.
Only 34 Holding a dual degree chose to go overseas.
In IIT Madras only two students from the Btech batch went out to join lehman Brothers in Tokyo.
All IIT Guwahati grads were placed in India. IIT Kharangpur does not allow foreign companies on campus.

No Milk

Black is better. No, I amn't referring to the color Black. I am referring to the Black Tea. Tests showed that while tea
helped improve blood flow by increasing the ability of arties to relax and expand by producing nitric oxide which promotes
the dilaion of blood vessels, milk completely counteracts the effect.Milk proteins interacted with the tea to decrease the concentration of antioxidants which protect against heart disease.So, for your heart's sake please skip the milk from your tea.