My SCRAPBOOK (సేకరణలు): A COLLECTION of articles in English and Telugu(తెలుగు), from various sources, on varied subjects. I do not claim credit for any of the contents of these postings as my own.A student's declaration made at the end of his answer paper, holds good to the articles here too:"I hereby declare that the answers written above are true to the best of my friend's knowledge and I claim no responsibility whatsoever of the correctness of the answers."

Saturday, January 07, 2017

2131~ కరెన్సీ ముద్రణ


ప్రశ్న: రిజర్వు బ్యాంకు దగ్గర ఉన్న బంగారాన్ని బట్టి కరెన్సీ ముద్రణ ఉంటుందా? అసలు డబ్బుల ముద్రణ ఎలా ఉంటుంది?

జవాబు: పురాతన కాలంలో వస్తుమార్పిడి పద్ధతి ద్వారా వినియోగ వస్తువుల వినిమయం ఉండేది. కానీ కాలక్రమేణా వినియోగ వస్తువుల వైవిధ్యం పెరగడం వల్ల ఒకేచోట అన్ని వస్తువులు లభ్యం కాకపోవడం వల్ల వస్తువుకు, వస్తువుకు మధ్య వారధిలాగా కరెన్సీ, నాణేలు రంగంలోకి వచ్చాయి. ఆయాదేశపు అగ్రస్థాయి ఆర్థిక నియంత్రిత వ్యవస్థ ఆయాదేశాల్లో చలామణీ అయ్యే కరెన్సీ మోతాదును నిర్ధారిస్తుంది. మన దేశంలో ఆ అధికారం చాలామటుకు రిజర్వు బ్యాంకుకు ఉంది. నాణేల ముద్రణ వరకు పూర్తిగా ప్రభుత్వ ఆర్థిక మంత్రిత్వశాఖ నిర్ధారిస్తుంది.

మన దేశంలో 1, 2 ,5, 10, 20, 50, 100, 500, 1000 రూపాయల కరెన్సీ టెండర్లు ఉండగా గత సంవత్సరం నవంబరు 8వ తేదీ నుంచి 500, 1000 రూపాయల కరెన్సీకి తెరపడింది. వాటి స్థానే కొత్త 500, 2000 రూపాయల కరెన్సీ వచ్చింది.

కరెన్సీ నోట్లను దేశంలో మధ్యప్రదేశ్‌ రాష్ట్రంలోని దేవాస్‌, మహారాష్ట్రలోని నాసిక్‌, కర్ణాటక రాష్ట్రంలో మైసూరు, పశ్చిమ్‌ బంగలోని సాల్బొని నగరాల్లో కట్టుదిట్టంగా ముద్రిస్తారు. వీటికి రిజర్వు బ్యాంకు గవర్నరు వకాల్తా పుచ్చుకుంటారు.

నాణేల ముద్రణ ముంబయి, నోయిడా, కోల్‌కతా, హైదరాబాదుల్లో జరుగుతోంది.

రిజర్వు బ్యాంకు దగ్గర ఉన్న బంగారు నిల్వలతో పాటు దేశంలో పెరుగుతున్న జాతీయ స్థూల ఉత్పత్తి, వస్తువుల వైవిధ్యం, జనాభా పెరుగుదల, పాత కరెన్సీ వాడకంలో నలిగిపోయి పనికిరాకుండా పోయే తీరు మీద, ఆయా నోట్ల డిమాండు మీద ఆధారపడి వివిధ విలువలు గల కరెన్సీ నోట్లను ముద్రిస్తారు.
- ప్రొ॥ ఎ. రామచంద్రయ్య, నిట్‌, వరంగల్‌, ఎడిటర్‌, చెకుముకి, జనవిజ్ఞాన వేదిక(తెలంగాణ)

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Thursday, June 18, 2015

2079- Books


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Tuesday, May 12, 2015

1995- Interesting history


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Monday, May 11, 2015

1965- Does evil exist?


The university professor challenged his students with this question. Did God create everything that exists?
A student bravely replied, "Yes, he did!"
"God created everything? The professor asked.
"Yes sir", the student replied.
The professor answered, "If God created everything, then God created evil since evil exists, and according to the principal that our works define who we are then God is evil". The student became quiet before such an answer. The professor was quite pleased with himself and boasted to the students that he had proven once more that the Christian faith was a myth.
Another student raised his hand and said, "Can I ask you a question professor?"
"Of course", replied the professor.
The student stood up and asked, "Professor, does cold exist?"
"What kind of question is this? Of course it exists. Have you never been cold?" The students snickered at the young man's question.
The young man replied, "In fact sir, cold does not exist. According to the laws of physics, what we consider cold is in reality the absence of heat. Every body or object is susceptible to study when it has or transmits energy, and heat is what makes a body or matter have or transmit energy. Absolute zero (-460 degrees F) is the total absence of heat; all matter becomes inert and incapable of reaction at that temperature. Cold does not exist. We have created this word to describe how we feel if we have no heat."
The student continued, "Professor, does darkness exist?"
The professor responded, "Of course it does."
The student replied, "Once again you are wrong sir, darkness does not exist either. Darkness is in reality the absence of light. Light we can study, but not darkness. In fact we can use Newton's prism to break white light into many colours and study the various wavelengths of each color. You cannot measure darkness. A simple ray of light can break into a world of darkness and illuminate it. How can you know how dark a certain space is? You measure the amount of light present. Isn't this correct? Darkness is a term used by man to describe what happens when there is no light present."
Finally the young man asked the professor, "Sir, does evil exist?"
Now uncertain, the professor responded, "Of course as I have already said. We see it every day. It is in the daily example of man's inhumanity to man. It is in the multitude of crime and violence everywhere in the world. These manifestations are nothing else but evil."
To this the student replied, "Evil does not exist sir, or at least it does not exist unto itself. Evil is simply the absence of God. It is just like darkness and cold, a word that man has created to describe the absence of God. God did not create evil. Evil is not like faith, or love that exist just as does light and heat. Evil is the result of what happens when man does not have God's love present in his heart. It's like the cold that comes when there is no heat or the darkness that comes when there is no light."
The professor sat down.
The young man's name was Albert Einstein.

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1952- Ayn Rand's Philosophy

-Bruce E. Levine
__________________
Rand said, “Capitalism and altruism are incompatible….The choice is clear-cut: either a new morality of rational self-interest, with its consequences of freedom, justice, progress and man’s happiness on earth—or the primordial morality of altruism, with its consequences of slavery, brute force, stagnant terror and sacrificial furnaces.”
For many young people, hearing that it is “moral” to care only about oneself can be intoxicating, and some get addicted to this idea for life.
I have known several people, professionally and socially, whose lives have been changed by those close to them who became infatuated with Ayn Rand.
To wow her young admirers, Rand would often tell a story of how a smart-aleck book salesman had once challenged her to explain her philosophy while standing on one leg. She replied:
“Metaphysics—objective reality.
Epistemology—reason.
Ethics—self-interest.
Politics—capitalism.”
How did that philosophy capture young minds?

(1)Metaphysics—objective reality.
Rand offered a narcotic for confused young people: complete certainty and a relief from their anxiety. Rand believed that an “objective reality” existed, and she knew exactly what that objective reality was. It included skyscrapers, industries, railroads, and ideas—at least her ideas. Rand’s objective reality did not include anxiety or sadness. Nor did it include much humor, at least the kind where one pokes fun at oneself. Rand assured her Collective that objective reality did not include Beethoven’s, Rembrandt’s, and Shakespeare’s realities—they were too gloomy and too tragic, basically buzzkillers. Rand preferred Mickey Spillane and, towards the end of her life, “Charlie’s Angels.”

(2)Epistemology—reason.
Rand’s kind of reason was a “cool-tool” to control the universe. Rand demonized Plato, and her youthful Collective members were taught to despise him. If Rand really believed that the Socratic Method described by Plato of discovering accurate definitions and clear thinking did not qualify as “reason,” why then did she regularly attempt it with her Collective? Also oddly, while Rand mocked dark moods and despair, her “reasoning” directed that Collective members should admire Dostoyevsky, whose novels are filled with dark moods and despair. A demagogue, in addition to hypnotic glibness, must also be intellectually inconsistent, sometimes boldly so. This eliminates challenges to authority by weeding out clear-thinking young people from the flock.

(3)Ethics—self-interest.
For Rand, all altruists were manipulators. What could be more seductive to kids who discerned the motives of martyr parents, Christian missionaries and U.S. foreign aiders? Her champions, Nathaniel Branden still among them, feel that Rand’s view of “self-interest” has been horribly misrepresented. For them, self-interest is her hero architect Howard Roark turning down a commission because he couldn’t do it exactly his way. Some of Rand’s novel heroes did have integrity, however, for Rand there is no struggle to discover the distinction between true integrity and childish vanity. Rand’s integrity was her vanity, and it consisted of getting as much money and control as possible, copulating with whomever she wanted regardless of who would get hurt, and her always being right. To equate one’s selfishness, vanity, and egotism with one’s integrity liberates young people from the struggle to distinguish integrity from selfishness, vanity, and egotism.

(4)Politics—capitalism.
While Rand often disparaged Soviet totalitarian collectivism, she had little to say about corporate totalitarian collectivism, as she conveniently neglected the reality that giant U.S. corporations, like the Soviet Union, do not exactly celebrate individualism, freedom, or courage. Rand was clever and hypocritical enough to know that you don’t get rich in the United States talking about compliance and conformity within corporate America. Rather, Rand gave lectures titled: “America’s Persecuted Minority: Big Business.” So, young careerist corporatists could embrace Rand’s self-styled “radical capitalism” and feel radical — radical without risk.

Rand’s Legacy
In recent years, we have entered a phase where it is apparently okay for major political figures to publicly embrace Rand despite her contempt for Christianity. In contrast, during Ayn Rand’s life, her philosophy that celebrated self-interest was a private pleasure for the 1 percent but she was a public embarrassment for them. They used her books to congratulate themselves on the morality of their selfishness, but they publicly steered clear of Rand because of her views on religion and God. Rand, for example, had stated on national television, “I am against God. I don’t approve of religion. It is a sign of a psychological weakness. I regard it as an evil.”
Actually, again inconsistent, Rand did have a God. It was herself. She said:
I am done with the monster of “we,” the word of serfdom, of plunder, of misery, falsehood and shame. And now I see the face of god, and I raise this god over the earth, this god whom men have sought since men came into being, this god who will grant them joy and peace and pride. This god, this one word: “I.”
While Harriet Beecher Stowe shamed Americans about the United States’ dehumanization of African Americans and slavery, Ayn Rand removed Americans’ guilt for being selfish and uncaring about anyone except themselves. Not only did Rand make it “moral” for the wealthy not to pay their fair share of taxes, she “liberated” millions of other Americans from caring about the suffering of others, even the suffering of their own children.
The good news is that I’ve seen ex-Rand fans grasp the damage that Rand’s philosophy has done to their lives and to then exorcize it from their psyche. Can the United States as a nation do the same thing?
(Bruce E. Levine is a practicing clinical psychologist. His latest book is Get Up, Stand Up: Uniting Populists, Energizing the Defeated, and Battling the Corporate Elite.)

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Tuesday, May 05, 2015

1939- Knowledge

“People who have achieved great success are not necessarily more skillful or intelligent than others. What separates them is their burning desire and thirst for knowledge.
The more one knows, the more one achieves.”
— Robin Sharma

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Saturday, December 20, 2014

1722- Manorama yearbook

This Manorama Yearbook, used to be Rs8 in late 1960s, now it is Rs.250 (despite the publishers getting revenue from so many advertisements)!

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Wednesday, December 17, 2014

1706- reading


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Sunday, August 10, 2014

1611- PERSONAL FINANCE LITERACY

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Nearly 85% of students of arts and engineering colleges in Chennai could not do basic interest calculations on a small saving of Rs1,000 for two years at 10% interest compounded annually,

while 38% of the students did not know what PAN (permanent account number) stood for.

The findings also reveal that seven out of 10 students found basic inflation calculations difficult,

while 36% of them could not differentiate between income and expense.

More than half the number of students could not identify an asset in the multiple choice format. The choices included housing loan, personal car, insurance and income tax.

Moreover, 29% of students thought that bank fixed deposits were a risky option.

In an era when banks are going the whole hog to target young customers with anytime, anywhere and mobile banking, this finding has revealed that knowledge on personal finance is pretty low amongst youth in Chennai city.

The test was administered across seven colleges with 654 final year students participating in it. "Many of the students are from some of the well known engineering colleges in the city. Nearly 58% of the students did not know the highest income tax slab. And many of them are slated to get their first pay cheque within the next few months," the study said.

The low financial score is also despite launch of financial literacy material by the Reserve Bank of India last year. The central bank had issued revised guidelines on financial literacy centres (FLC) and also advised that all the rural branches of scheduled commercial banks scale up financial literacy efforts through outdoor camps at least once a month.
(TOI)

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1607- 'Life is a "Su Doku"! Or "keep Alzheimer’s away"


Hemantha Kalam - 26
--------------------------------
During the past few years I have been observing my sister (a blogger herself) settling silently in a secluded place at home and go through the newspaper with a pencil. Curious, I checked with her when she said that she was working on ‘Su Doku’. I did not realise then, but on experience I found that this seclusion is the first step of comparison of life with ‘Su Doku’.

As a person who always felt that no game should demand any exertion on the mind, I wondered what thrill she derived, but left her to her own designs.

Now during the past year or so, when I had much time on hand and I had started really ‘reading’ the newspapers, to kill time, I started attempting to work on the ‘Su Doku’ and solve, though it could tax my mind which, in normal times, I never relished.

One incentive, I felt, would be that working on such ‘puzzling matters’ could help me keep my mind in shape and probably keep Alzheimer’s away. Funny though, but some intuition always tells me that I would indeed be a victim of Alzheimer’s in the days to come. By writing this here I am sure that I am paving not a path but a highway to be ridiculed, but I do guess that I am entitled to my own superstitions and beliefs until disproved!

Initially, even the easiest ‘Su Doku’ used to make me sweat it out, but over a period I got a grip on the game and gained the confidence of tackling it. Today anything less than ‘hard’ level of difficulty, does not really hold my interest anymore!

Now, what is ‘Su Doku’?

I am sure that I am wasting space and lines and precious time, as most of the people would already know, but let me explain as quickly as I can, about ‘Su Doku’.

‘Su Doku’ is a puzzle game. Though the present day’s ‘Su Doku’ certainly is from Japan, the real game is believed to have originated from China, around 1000 BC. The name ‘Su Doku’ by which the game is now popular is indeed a Japanese abbreviation apparently means Single number (Su = Number, Doku = Single) and the full name is Sūji wa dokushin ni kagiru roughly meaning, "the digits must occur only once" or "limited to single figures." (http://martyneville.hubpages.com/hub/sudoku-origin-and-history) It was only in the year 1986, that the abbreviation ‘Su Doku’ took birth. Some believe that ‘Su Doku’ originated from Switzerland and travelled to Japan via America. (http://www.sudokudragon.com/sudokuhistory.htm)

While ‘Su Doku’ also is presented in different patterns like,-

Samurai ‘Su Doku’
Double Samurai
Triple Samurai
WeiHwa ‘Su Doku’
Five Squares ‘Su Doku’
Six Triangles ‘Su Doku’

the standard ‘Su Doku’ pattern is symmetrical.

Playing ‘Su Doku’ is a paradox.

In a standard and symmetrical game of ‘Su Doku’, a square / box comprising of nine inner squares / boxes, which in turn will have nine squares / boxes in each will have some digits and the balance digits need to be guessed right and placed.

The numbers from 1 to 9 should be arranged in each row and in each box without using the same number again either in the line or in the inner box. Thankfully only vertical or horizontal lines should be in a row and not diagonal rows. The system is simple, but solving is challenging and the quantum increases by the level you choose to play.

Solved ‘Su Doku’ - is attached for reference.
(Courtesy: http://logicalgenetics.com/assorted/sudoku/sudoku-depthfirst2.png)

All games need planning, for sure, but ‘Su Doku’ cannot be worked at all, without a combination of patience, planning, guessing, eliminating, strategising and ensuring zero error. If a single error occurs , the whole puzzle takes a toss and no marks to be awarded, unless the total puzzle is completed.

We should start by;
1) taking a look at the resources (digits) available
2) beginning with what we know to be sure
3) introspecting
4) correcting if we are using a pencil and an eraser
5) eliminating possibilities
6) filling in steadily
7) taking more time if and when needed and
8) continuing to be positive all the time and not to despair

Now let us see what the playing rules of ‘Su Doku’ and that of ‘life’ are!

(1)One person has to play at a time – in seclusion and with calm mind (Su Doku)
A person has to lead his own life with a calm disposition. (Life)

(2)Frame of a large square (Su Doku)
Frame of Time (Life)

(3)Existence of some resources like inner structures and some digits to guide (Su Doku)
Existence of some resources like parents, siblings, teachers and friends to guide (Life)

(4)You don’t have answers for all. You need to find the solution by calculating and guessing and using the resources (Su Doku)
You don’t have answers for all. You need to find the solution by calculating and guessing and using the resources (Life)

(5)You know the missing numbers but to place them appropriately is the issue (Su Doku)
You know resources and priorities but really structuring the priorities is the issue
(Life)

(6)You cannot create a conflict by placing the same number in a row or in a box (Su Doku)
You need to be unique yet without antagonising – be it in your own family or in society (Life)

(7)Law of elimination helps solving the game better (Su Doku)
Life can be better by eliminating un wanted qualities and connections (Life)

(8)Levels of difficulties and achievement
Levels of difficulties and achievements
Resources may be few in high level of difficulty but it is not impossible to solve. You steadily build up the needed digits (Su Doku)
Resources may be few but you can augment and grow steadily by working with singular goal and focusing in the right direction (Life)

(9)While working, you put digit after digit without really thinking of the final success picture (Su Doku)
In life too we grow step by step working towards the ultimate and wholesome success (Life)

(10)People who use pencils and erasers (sudoku)
are moderates and willing to correct(life)

(11)People who use pens and permanent markers (sudoku)
are pre-conceived, rigid and not willing to change without paying a price(life)

(12)The fun is in working towards achievement and once achieved fun is lost (Su Doku)
The fun is to live a full life and once lived, interest lost (Life)

(13)The full puzzle needs to be solved and no marks for part fulfillment (Su Doku)
Life has to be lived in full and no marks if exiting unfulfilled or insignificantly (Life)

(14)Depending on the choice you make you can choose the difficulty level of the game in the range as Random / Very Easy / Easy / Medium / Hard / Very Hard / Super Hard / Evil / Extreme. As can be expected, resources would be more for easy level of difficulty and scarcer as the level of difficulty escalates. (Su Doku)
Similarly, in life too, it is we who need to discover as to what level of difficulty we are in and try to solve patiently and with a calm disposition to grow and end up a winner. (Life)

Isn't it? Well, what do you think? You tell me!
(http://hemantha kalam.blogspot.in/2014/08/hemantha-kalam-26-life-is-su-doku.html?m=1)
-------------------------

Photo: Saturday, 2 August 2014

Hemantha Kalam - 26 
'Life is a "Su Doku"! Or
"keep Alzheimer’s away"
--------------------------------
During the past few years I have been observing my sister (a blogger herself) settling silently in a secluded place at home and go through the newspaper with a pencil. Curious, I checked with her when she said that she was working on ‘Su Doku’. I did not realise then, but on experience I found that this seclusion is the first step of comparison of life with ‘Su Doku’. 

As a person who always felt that no game should demand any exertion on the mind, I wondered what thrill she derived, but left her to her own designs.

Now during the past year or so, when I had much time on hand and I had started really ‘reading’ the newspapers, to kill time, I started attempting to work on the ‘Su Doku’ and solve, though it could tax my mind which, in normal times, I never relished.

One incentive, I felt, would be that working on such ‘puzzling matters’ could help me keep my mind in shape and probably keep Alzheimer’s away. Funny though, but some intuition always tells me that I would indeed be a victim of Alzheimer’s in the days to come. By writing this here I am sure that I am paving not a path but a highway to be ridiculed, but I do guess that I am entitled to my own superstitions and beliefs until disproved!

Initially, even the easiest ‘Su Doku’ used to make me sweat it out, but over a period I got a grip on the game and gained the confidence of tackling it. Today anything less than ‘hard’ level of difficulty, does not really hold my interest anymore!

Now, what is ‘Su Doku’?

I am sure that I am wasting space and lines and precious time, as most of the people would already know, but let me explain as quickly as I can, about ‘Su Doku’.

‘Su Doku’ is a puzzle game. Though the present day’s ‘Su Doku’ certainly is from Japan, the real game is believed to have originated from China, around 1000 BC. The name ‘Su Doku’ by which the game is now popular is indeed a Japanese abbreviation apparently means Single number (Su = Number, Doku = Single) and the full name is  Sūji wa dokushin ni kagiru  roughly meaning, "the digits must occur only once" or "limited to single figures." (http://martyneville.hubpages.com/hub/sudoku-origin-and-history) It was only in the year 1986, that the abbreviation ‘Su Doku’ took birth. Some believe that ‘Su Doku’ originated from Switzerland and travelled to Japan via America. (http://www.sudokudragon.com/sudokuhistory.htm)

While ‘Su Doku’ also is presented in different patterns like,-

Samurai ‘Su Doku’
Double Samurai 
Triple Samurai  
WeiHwa ‘Su Doku’ 
Five Squares ‘Su Doku’ 
Six Triangles ‘Su Doku’

the standard ‘Su Doku’ pattern is symmetrical.

Playing ‘Su Doku’ is a paradox.  

In a standard and symmetrical game of ‘Su Doku’, a square / box comprising of nine inner squares / boxes, which in turn will have nine squares / boxes in each will have some digits and the balance digits need to be guessed right and placed.

The numbers from 1 to 9 should be arranged in each row and in each box without using the same number again either in the line or in the inner box. Thankfully only vertical or horizontal lines should be in a row and not diagonal rows. The system is simple, but solving is challenging and the quantum increases by the level you choose to play.

Solved ‘Su Doku’ - is attached for reference.
(Courtesy: http://logicalgenetics.com/assorted/sudoku/sudoku-depthfirst2.png)

All games need planning, for sure, but ‘Su Doku’ cannot be worked at all, without a combination of patience, planning, guessing, eliminating, strategising and ensuring zero error. If a single error occurs , the whole puzzle takes a toss and no marks to be awarded, unless the total puzzle is completed.

We should start by;
     1) taking a look at the resources (digits) available
     2) beginning with what we know to be sure
     3) introspecting
     4) correcting if we are using a pencil and an eraser
     5) eliminating possibilities 
     6) filling in steadily
     7) taking more time if and when needed and
     8) continuing to be positive all the time and not to despair

Now let us see what the playing rules of ‘Su Doku’ and that of ‘life’ are! 

(1)One person has to play at a time – in seclusion and with calm mind (Su Doku)
A person has to lead his own life with a calm disposition. (Life)

(2)Frame of a large square (Su Doku)
Frame of Time (Life)

(3)Existence of some resources like inner structures and some digits to guide (Su Doku)
Existence of some resources like parents, siblings, teachers and friends to guide (Life)

(4)You don’t have answers for all. You need to find the solution by calculating and guessing and using the resources (Su Doku)
You don’t have answers for all. You need to find the solution by calculating and guessing and using the resources (Life)

(5)You know the missing numbers but to  place them appropriately is the issue (Su Doku)
You know resources and priorities but really structuring the priorities is the issue
 (Life)

(6)You cannot create a conflict by placing the same number in a row or in a box (Su Doku)
You need to be unique yet without antagonising – be it in your own family or in society (Life)

(7)Law of elimination helps solving the game better (Su Doku)
Life can be better by eliminating un wanted qualities and connections (Life)

(8)Levels of difficulties and achievement
Levels of difficulties and achievements
Resources may be few in high level of difficulty but it is not impossible to solve.  You steadily build up the needed digits (Su Doku)
Resources may be few but you can augment and grow steadily by working with singular goal and focusing in the right direction (Life)

(9)While working, you put digit after digit without really thinking of the final success picture (Su Doku)
In life too we grow step by step working towards the ultimate and wholesome success (Life)

(10)People who use pencils and erasers (sudoku)
are moderates and willing to correct(life)

(11)People who use pens and permanent markers (sudoku)
are pre-conceived, rigid and not willing to change without  paying a price(life)

(12)The fun is in working towards achievement and once achieved fun is lost (Su Doku)
The fun is to live a full life and once lived, interest lost (Life)

(13)The full puzzle needs to be solved and no marks for part fulfillment (Su Doku)
Life has to be lived in full and no marks if exiting unfulfilled or insignificantly (Life)

(14)Depending on the choice you make you can choose the difficulty level of the game in the range as Random / Very Easy / Easy / Medium / Hard / Very Hard / Super Hard / Evil / Extreme. As can be expected, resources would be more for easy level of difficulty and scarcer as the level of difficulty escalates. (Su Doku)
Similarly, in life too, it is we who need to discover as to what level of difficulty we are in and try to solve patiently and with a calm disposition to grow and end up a winner. (Life)

Isn't it? Well, what do you think? You tell me!
(http://hemantha kalam.blogspot.in/2014/08/hemantha-kalam-26-life-is-su-doku.html?m=1)
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Wednesday, May 28, 2014

1462- Diabetes & HIT



Just two minutes of high-intensity training (HIT) exercise per week can help prevent type 2 diabetes, a new study has claimed.
Researchers from the Abertay University, UK, believe that HIT is the perfect way for people who are time-poor to improve their health.
In the study, overweight adults – a group at high-risk of developing diabetes – took part in a HIT regime for a period of eight weeks.
This involved completing twice-weekly sprints on an exercise bike, with each sprint lasting just six seconds.
Ten sprints were completed in total during each session, amounting to just two minutes of exercise per week.
This short, but high-intensity, regime was enough to significantly improve cardiovascular health and insulin sensitivity – the body’s ability to clear glucose from the bloodstream – in the participants, and is the first time that so little exercise has been shown to have such significant health benefits, researchers said.
INDIAN EXPRESS


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1461- PRIME MINISTERS OF INDIA

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Friday, May 09, 2014

1430- BOOKS


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Friday, April 11, 2014

1406- ఆర్థిక విజయానికి సూత్రాలివి!

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(eenaaDu, Friday, April 11, 2014)
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సంపాదించే ప్రతి రూపాయికీ ఓ పరమార్థం ఉండాలి.
ఖర్చు చేసేప్పుడూ ఒక లెక్క ఉండాలి.
పెట్టుబడి పెట్టినా ఓ పద్ధతి ఉండాలి.
వచ్చిన డబ్బంతా వెనకయ్యలేం.. అలాగని మొత్తం ఖర్చు చేస్తే భవిష్యత్తులో ఇబ్బంది తప్పదు.
అందుకే, డబ్బు విషయంలో కొన్ని సూత్రాలు, జాగ్రత్తలు పాటించాలి.

ఒక్కో వ్యక్తి ఆర్థిక పరిస్థితి ఒక్కోలా ఉంటుంది. అవసరాలూ వేర్వేరుగా ఉంటాయి.. ఆర్థిక విషయాల్లో ఎవరికి వారే అయినప్పటికీ కొన్ని అంశాలు మాత్రం సాధారణంగా అందరికీ ఒకేలా వర్తిస్తాయి. వాటి గురించే తెలుసుకుందాం!

(1)ఎప్పుడయ్యేను రెట్టింపు:-
మన సొమ్మును ఒక చోట పెట్టుబడి పెడుతున్నామంటే ఎంతోకొంత రాబడి ఆశించే కదా! అయితే, ఎంత రాబడి వస్తే మన డబ్బు ఎన్నేళ్లలో రెట్టింపు అవుతుందన్న విషయం మనకు తెలుసుండాలి. బీమా పాలసీలు తీసుకున్నా, బ్యాంకు ఫిక్స్‌డ్‌ డిపాజిట్లలో జమ చేసినా, ఫండ్లలో పెట్టుబడి పెట్టినా రాబడి ఎంత వస్తుందో తెలిస్తే చాలు.. రెట్టింపు కోసం ఎన్నాళ్లు ఆగాలో తెలుసుకోవచ్చు.

దీనికోసం ఒక సూత్రం ఉంది. అదే 'రూల్‌ 72':- 

దీని ద్వారా మన సొమ్ము నిర్ణీత సమయంలో రెట్టింపు కావాలంటే ఎంత రాబడి రావాలి తెలుసుకోవచ్చు. లేదా రాబడి ఆధారంగా ఎన్నేళ్ల సమయంలో మనం అనుకున్న ఫలితం వస్తుందో గణించవచ్చు.



ఎలా?:
[i] రాబడి శాతం ఎంత రావాలో తెలుసుకోవడానికి.
72/సంవత్సరాలు. అంటే పదేళ్లలో మీ సొమ్ము రెట్టింపు కావాలంటే.. కనీసం 7.2 శాతం రాబడి రావాలన్న మాట. (72/10=7.2)

[ii]మీరు పెట్టుబడి పెట్టిన పథకం 8 శాతం రాబడి ఇస్తుందనుకుందాం.అప్పుడు వీటిల్లో పెట్టిన మన సొమ్ము రెట్టింపు కావడానికి కూడా ఇదే సూత్రం వరిస్తుంది. 72/8 = 8.4 (8ఏళ్ల 4 నెలలు)


(2)నష్టభయం ఎంత మేరకు?:- దీర్ఘకాలంలో మంచి రాబడి అందించే పథకాలు అనగానే ఈక్విటీలు, ఈక్విటీ ఆధారిత పథకాలే గుర్తుకు వస్తాయి. అయితే, రాబడిని అంటిపెట్టుకొని, ఇందులో నష్టభయం ఉంటుంది. అందుకే, అందరికీ ఇవి సరిపడవు. ద్రవ్యోల్బణం పెరుగుతున్న నేపథ్యంలో సంప్రదాయ పొదుపు పథకాలు ఇచ్చే రాబడి అంతంత మాత్రంగానే ఉంటోంది. అయితే, పెట్టుబడులకు ప్రత్యేకించేదంతా ఈక్విటీల్లోనే పెడితే నష్టాలు వచ్చినప్పుడు పరిస్థితి ఏమిటి?
అందుకే, ఎంత సొమ్మును స్టాక్‌ మార్కెట్‌కు ప్రత్యేకించాలన్నది తెలుసుకోవాలి.

** వయసును బట్టి మదుపు ప్రణాళిక మారుతూ ఉండాలి. ఒక్కో దశకూ ఒక్కో అంశం ప్రాధాన్యం పెరుగుతూ ఉంటుంది. 25 ఏళ్ల వయసులో ఉన్నప్పుడు నష్టం వచ్చినా తట్టుకునే శక్తి ఉంటుంది. కానీ, 65 ఏళ్ల వారికి నష్టం వస్తే ఆర్థికంగా కష్టమే కదా!
కాబట్టి, ఈక్విటీల్లో మదుపు చేసేవారు ఒక సూత్రాన్ని పాటించాలి. 100 లోనుంచి మన వయసును తీసేయగా వచ్చే సంఖ్యకు సమానమైన శాతంలోనే పెట్టుబడులు పెట్టవచ్చు. ఉదాహరణకు మీ వయసు 35 ఏళ్లనుకుందాం. అప్పుడు 100-35= 65. అంటే, మీరు పెట్టుబడులకు కేటాయించాలనుకుంటున్న మొత్తంలో దాదాపు 65 శాతం వరకూ ఈక్విటీలకు ప్రత్యేకించవచ్చన్నమాట.

కొన్ని ప్రత్యేక సందర్భాల్లో దీనికి మినహాయింపులు ఉన్నాయి. మీకు అప్పులు ఎక్కువగా ఉన్నాయనుకోండి. ఇల్లు కట్టుకోవడం, లేదా గృహరుణం తీర్చేయాలనే లక్ష్యాలు మూడేళ్లలోపు పూర్తి తీర్చుకోవాలని అనుకుంటున్నారనుకోండి. అధిక శాతం సొమ్ము ఈక్విటీల్లో పెట్టడం మంచిది కాదు. అలాంటప్పుడు డెట్‌ లేదా స్థిరాదాయం అందించే పథకాలకు మళ్లించాలి.

(3)పొదుపు కూడా ఖర్చే:-
చిన్న వయసులోనే వేలకు వేల జీతం ఆర్జిస్తున్నవారూ నెలాఖరు వచ్చే సరికి చేతిలో చిల్లిగవ్వ లేకుండా ఉంటున్నారు. క్రెడిట్‌ కార్డులతో నెట్టుకొస్తున్నారు. ఖర్చులు పోగా మిగిలిందంతా పొదుపే అన్నట్లు ఉండటం సరికాదు. సంపాదిస్తున్న దాంట్లో స్థిరంగా కొంత మొత్తాన్ని తీసేసి, మిగిలిందే మన చేతికి అందే సొమ్ము అనే భావన ఏర్పర్చుకోవాలి. ఇక్కడ పొదుపును కూడా ఒక ఖర్చుగానే భావించి మొదటి ప్రాధాన్యం దానికే ఇవ్వాలి.

ఎంత జీతం వచ్చినా అందులో నుంచి తక్కువలో తక్కువ 10 శాతమైనా ఈ పొదుపనే ఖర్చుకు కేటాయించాలి. అంటే మీకు నెలకు రూ.30 వేలు వస్తున్నాయనుకుందాం. అప్పుడు ముందుగా కనీసం రూ.3,000 ఆ మొత్తంలోనుంచి తగ్గించాలి. అంటే, మీకు వస్తున్నది రూ. 27వేలే అన్నమాట. ఇందులోనుంచే మీరేం చేసినా. అనివార్య పరిస్థితుల్లో మీరు ఒక నెల 10శాతం సొమ్మును దాచలేకపోయారు. అప్పుడు రెండు నెలలు 15శాతం చొప్పున మిగల్చాలి. నిబంధన మాత్రం తప్పకూడదు.

** ఈ సొమ్మును దీర్ఘకాలిక పథకాల్లోనూ మదుపు చేయవచ్చు. లేదా బ్యాంకుల్లో 'స్వీప్‌ ఇన్‌' సౌకర్యం ఉంటే అందులోకి ఈ నగదును జమ చేయవచ్చు. ఇవి తాత్కాలిక ఫిక్స్‌డ్‌ డిపాజిట్లలాగా పనిచేస్తాయి. లిక్విడ్‌ ఫండ్లనూ ఎంచుకోవచ్చు. పొదుపు ఖాతాకన్నా కొద్దిగా ఎక్కువ వడ్డీ వస్తుంది. ఎప్పుడు కావాలంటే అప్పుడు సొమ్మును వెనక్కి తీసుకోవచ్చు.

(4)అప్పు చేస్తున్నారా?:-
అన్నింటికీ అప్పు సులభంగా దొరికే ఈ రోజుల్లో సరదాగా రుణాలు చేయడం అలవాటయ్యింది. కొత్తగా ఏది వచ్చినా దాన్ని కొనడం కొంతమందికి అలవాటు. ఇలా తెలియకుండానే అప్పుల వూబిలోకి దిగిపోయేవారు ఎంతోమంది. కానీ, రుణం చేయకుండా ఉండాలంటే.. చాలా వాటిని కోల్పోవాల్సి వస్తుంది. సొంతిల్లు సొంతం చేసుకోవాలన్నా.. నచ్చిన కారును కొనాలన్నా అప్పు చేయడం తప్ప మార్గం లేదు. కాకపోతే ఈ అప్పులు మరీ ఎక్కువయినప్పుడే ఇబ్బంది.
అన్ని రుణాల వాయిదాలూ కలిపి మీ మొత్తం జీతంలో 40 శాతానికి మించకూడదనేది వ్యక్తిగత ఆర్థిక నిపుణుల మాట.

ఉదాహరణకు మీరు నెలకు రూ.30,000 సంపాదిస్తున్నారునుకుందాం. అందులో నెలకు రూ. 12,000కు మించి రుణ వాయిదాలు చెల్లించకూడదు. అప్పుడే మీరు ఆర్థికంగా ఆరోగ్యంగా ఉన్నట్లు లెక్క. ఎక్కువ వడ్డీలకు తెచ్చిన వ్యక్తిగత, క్రెడిట్‌ కార్డు రుణాలను సాధ్యమైనంత తొందరగా వదిలించుకోవడం మేలు. గుర్తుంచుకోండి. విలువ పెరిగే ఆస్తుల కొనుగోలుకు తీసుకున్న అప్పులు ఎప్పుడూ మంచివే.

ముందే అనుకున్నట్లు వ్యక్తులను బట్టి ప్రణాళికలు మారుతూ ఉంటాయి. దానికి తగ్గట్టుగా పెట్టుబడి మొత్తాలు కూడా. ఒకరికి సరిపోయిన సూత్రం మరొకరికి సరిపోకపోవచ్చు.
ఒక అవగాహనకు రావడానికి మాత్రం వీటి మీద ఆధారపడవచ్చు.

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Tuesday, April 08, 2014

1405- “Toward your thoughts and emotions, be like an old wise man, watching a child play.”

Sogyal Rinpoche
(via Ramakrishna Salapaka)




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Just as the ocean has waves, and the sun has rays, so the mind’s own radiance is its thoughts and emotions. The ocean has waves, yet the ocean is not particularly disturbed by them. The waves are the very nature of the ocean. Waves will rise, but where do they go? Back into the ocean. And where do the waves come from? The ocean.

In the same manner, thoughts and emotions are the radiance and expression of the very nature of the mind. They rise from the mind, but where do they dissolve? Back into the mind. Whatever rises, do not see it as a particular problem. If you do not impulsively react, if you are only patient, it will once again settle into its essential nature.

When you have this understanding, then rising thoughts only enhance your practice. But when you do not understand what they intrinsically are—the radiance of the nature of your mind—then your thoughts become the seed of confusion. So have a spacious, open, and compassionate attitude toward your thoughts and emotions, because in fact your thoughts are your family, the family of your mind. Before them, as Dudjom Rinpoche used to say: “Be like an old wise man, watching a child play.”

—Tibetan Book of Living and Dying, chapter 5

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Narayana Rao C's comment:- Observing the thoughts dispassionately, is meditation. The 'world' is thoughts, evolved through sensory organs in waking state. When mind experiences 'no thoughts', the world disappears and the mind experiences the bliss| happiness. In meditation the identity of the individual is lost in the experience of self consciousness which is the Brahman or unlimited consciousness!
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Friday, April 04, 2014

1399- A descendent of Tippu Sultan and a Second World War heroine!


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1398- Materialism Is Not Necessarily Negative!

Gyalwa Dokhampa, aka Khamtrul Rinpoche,
(a Buddhist teacher in the Drukpa Lineage)
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...by just meditating, nothing will change. Along with meditation, we must develop the strength of compassion through wisdom... The purpose of Buddha's teachings is to do what is needed just NOW. Compassion helps put this in action.

...From the Buddhist point of view, we don't think that materialism is necessarily negative. It is a tool. Like a computer can be used to spread any message, either of peace or of hatred. It is our responsibility to develop the wisdom and compassion that is needed to use the tool properly, so that it does not take over our lives and we don't harm anyone.

...Mindfulness begins with bringing the mind to the present moment.
What is the reason we feel disturbed? It is either because our mind is caught up in the past, or it is disturbed by hope and fear related to the future. The past is gone and the future is as yet uncertain. So, all worries are a waste of time and energy. Entangled in these, we forget to live life in the present. By bringing our minds to the present moment, we can begin to see things clearly. The simplest way to do this is to focus on the breath. Count the number of times you are breathing in and out. This will bring your mind to the present moment.

Awareness of body and breath is the first step towards awareness of our emotions and reactions in everyday situations. If we sense that the body is tensing up, then it is likely that the mind will soon follow. Try to focus on the breath, on the in and the out, to allow the mind a chance to pause.

...Many people think that we Buddhists are only about being and never doing, but it is really that we need to be before we can do: we need to understand who we are, and then strive to get something done, driven by love and compassion.
(The Speaking Tree,TOI, 25:03:2014)
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Thursday, April 03, 2014

1397- God!


'Atma'-a spark from 'Paramatma', wearing the body, experiences the world through the five senses.
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Sunday, March 30, 2014

1395- అన్నమయ్య గీత!
























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Saturday, March 29, 2014

1393-Bio-fuel from- 'Calophyllum inophyllum'

(via The Hindu, 27.03.2014--an extract)
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 At a time when farmers in Tamil Nadu are facing a big problem in cultivation due to frequent load shedding, a farmer, Mr. C. Rajasekaran, from Vettaikaran Irruppu of Kilvelur taluk in Nagappattinam district does not seem to worry much.

The reason is not far to seek — he is using oil from Punnai (Tamil name) tree seeds (Calophyllum inophyllum) to operate his five hp motor pump for irrigating his five acres.

Well known:
“If a farmer has two punnai trees on his land, he can reduce the diesel cost considerably. I run the motor for about five months using the oil during summer,” he says.

The tree grows well in coastal regions. Cattle or goats do not eat the leaves thus making it easier for a farmer to grow it.

Capable of growing in any type of soil it can withstand heavy winds and produce seeds within five years after planting.

“A farmer can get four to 20 kg of seeds a year from a five year old tree. After 10 years, a tree will yield 10 - 60 kg in a year and the seed yield will be on the increase as the trees grow older. From my experience, a 25 year-old tree yields a minimum of 300 kg and a maximum of 500 kg of seeds,” says Mr. Rajasekaran.

The trees attract lot of honey bees and bats. While the bees help to pollinate the bats eat the fruits and the seeds scatter all over the area through their droppings.

Oil:
From one kg of seed kernel about 750 to 800 ml of oil can be extracted and the cost of producing a litre of oil works out to Rs.10.

my requirement is 600 ml of oil for an hour every day. Previously while using diesel my requirement was 900 ml for the same duration of time.
In a year I am able to get 75 litres. The surplus oil is sold to other farmers at Rs. 42 a litre. After extracting the oil, the cake is used as manure for crops,” he explains.

No problem:
There is no rust formation in the engine and it emits little noise during operation. For the last four years he has been using this oil to run his motor and till date seems to have not faced any problem with the engine.

“I find there is no remarkable difference between a punnai oil and diesel run five Hp motor engine. Both pump 750ml of water in a minute. In fact the engine running on the oil emits less smoke unlike the diesel operated one,” he says.

Benefits:
“If done, in two years or at most in another 10 years we might not face the same power problem we are facing now if all our farmers become aware about this tree he says,” with a smile.

For more details:
Interested farmers can contact Mr. C. Rajasekaran, Kandaiyankaadu village, Vettaikaaranirruppu Panchayat, Kivalur Taluk, Nagappattinam District, Mobile: 097510 02370.
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