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Tuesday, January 26, 2010

My Deaf Wife !

My Deaf Wife!! (Thought for the day)
A man feared his wife wasn’t hearing as well as she used to and he thought she might need a hearing aid. Not quite sure how to approach her, he called the family Doctor to discuss the problem.

The Doctor told him there is a simple informal test the husband could perform to give the Doctor a better idea about her hearing loss.

Here’s what you do, said the Doctor, “Stand about 40 feet away from her, and in a normal conversational speaking tone see if she hears you. If not, go to 30 feet, then 20 feet, and so on until you get a response.”

That evening, the wife is in the kitchen cooking dinner, and he was in the den. He says to himself, “I’m about 40 feet away, let’s see what happens.”

Then in a normal tone he asks, ‘Honey, what’s for dinner?”

No response!

So the husband moves closer to the kitchen, about 30 feet from his wife and repeats, “Honey, what’s for dinner?”

Still no response…

Next he moves into the dining room where he is about 20 feet from his wife and asks, Honey, what’s for dinner?”

Again he gets no response…

So he walks up to the kitchen door, about 10 feet away. “Honey, what’s for dinner?”

Again there is no response…

So he walks right up behind her. “Honey, what’s for dinner?”

“John, for the FIFTH time I’ve said, CHICKEN!!!”


MORAL OF THE STORY: The problem may not be with the other person as we always think, could be very much within us!

Friday, January 22, 2010

Birthdate Test

Let me know your number. Once you have discovered your Birth Number, forward this email to the rest of your friends, including the one who sent this to you. Put your "number" in the "Subject" and Pass it on! Have fun!
Your birth date describes who we are, what we are good at and what our inborn abilities are. It also points to what we have to learn and the challenges we are facing. To figure out your Birth Number, add all the numbers in the birth date together, like in the example, until there is only one digit.
A Birth Number does not prevent you from being anything you want to be, it will just color your choice differently and give you a little insight.

Example : June 08, 1981
8 + 06 + 1981 = 1995 = 1 + 9 + 9 + 5 = 24 = 2 + 4 = 6
6 is the Birth Number to read for the birth date in the example.

#1 THE ORIGINATOR
#2 THE PEACEMAKER
#3 THE LIFE OF THE PARTY
#4 THE CONSERVATIVE
#5 THE NONCONFORMIST
#6 THE ROMANTIC
#7 THE INTELLECTUAL
#8 THE BIG SHOT
#9 THE PERFORMER
============ ========= ========= ========= ========= ========= ==

# 1 - THE ORIGINATOR

1 's are originals. Coming up with new ideas and executing them is natural. Having things their own way is another trait that gets them as being stubborn and arrogant. 1's are extremely honest and do well to learn some diplomacy skills. They like to take the initiative and are often leaders or bosses, as they like to be the best. Being self-employed is definitely helpful for them. Lesson to learn: Others' ideas might be just as good or better and to stay open minded.
Famous 1's: Tom Hanks, Robert Redford, Hulk Hogan, Carol Burnett, Wynona Judd, Nancy Reagan, Raquel Welch, Samuel L. Jackson

#2 - THE PEACEMAKER

2's are the born diplomats. They are aware of others' needs and moods and often think of others before themselves. Naturally analytical and very intuitive they don't like to be alone. Friendship and companionship is very important and can lead them to be successful in life, but on the other hand they'd rather be alone than in an uncomfortable relationship. Being naturally shy they should learn to boost their self-esteem and express themselves freely and seize the moment and not put things off.
Famous 2's: President Bill Clinton, Madonna, Whoopee Goldberg, Thomas Edison, Wolfgang Amadeus Mozart, Orlando Bloom, David Beckham

# 3 - THE LIFE OF THE PARTY

3's are idealists. They are very creative, social, charming, romantic, and easygoing. They start many things, but don't always see them through. They like others to be happy and go to great lengths to achieve it. They are very popular and idealistic. They should learn to see the world from a more realistic point of view.
Famous 3's: Alan Alda, Ann Landers, Bill Cosby, Melanie Griffith, Salvador Dali, Jodi Foster, LL Cool J

# 4 - THE CONSERVATIVE

4's are sensible and traditional. They like order and routine. They only act when they fully understand what they are expected to do. They like getting their hands dirty and working hard. They are attracted to the outdoors and feel an affinity with nature. They are prepared to wait and can be stubborn and persistent. They should learn to be more flexible and to be nice to themselves.
Famous 4's: Neil Diamond, Margaret Thatcher, Arnold Schwarzenegger, Tina Turner, Paul Hogan, Oprah Winfrey

# 5 - THE NONCONFORMIST

5's are the explorers. Their natural curiosity, risk taking, and enthusiasm often land them in hot water. They need diversity, and don't like to be stuck in a rut. The whole world is their school and they see a learning possibility in every situation. The questions never stop. They are well advised to look before they take action and make sure they have all the facts before jumping to conclusions.
Famous 5's: Abraham Lincoln, Charlotte Bronte, Jessica Walter, Vincent Van Gogh, Bette Midler, Helen Keller, Mark Hamil, Colin Farrell, Scott Speedman

# 6 - THE ROMANTIC

6's are idealistic and need to feel useful to be happy. A strong family connection is important to them. Their actions influence their decisions. They have a strong urge to take care of others and to help. They are very loyal and make great teachers. They like art or music. They make loyal friends who take the friendship seriously. 6's should learn to differentiate between what they can change and what they cannot.
Famous 6's: Albert Einstein, Jane Seymour, John Denver, Meryl Streep, Christopher Columbus, Goldie Hawn, Salma Hayek

#7 - THE INTELLECTUAL

7's are the searchers. Always probing for hidden information, they find it difficult to accept things at face value. Emotions don't sway their decisions. Questioning everything in life, they don't like to be questioned themselves. They're never off to a fast start, and their motto is slow and steady wins the race. They come across as philosophers and being very knowledgeable, and sometimes as loners. They are technically inclined and make great researchers uncovering information. They like secrets. They live in their own world and should learn what is acceptable and what not in the world at large.
Famous 7's: William Shakespeare, Lucille Ball, Joan Baez, Princess Diana, Johnny Depp, Shah Rukh Khan

# 8 - THE BIG SHOT

8's are the problem solvers. They are professional, blunt and to the point, have good judgment and are decisive. They have grand plans and like to live the good life. They take charge of people. They view people objectively. They let you know in no uncertain terms that they are the boss. They should learn to exude their decisions on their own needs rather than on what others want.
Famous 8's: Edgar Cayce, Barbra Streisand, George Harrison, Jane Fonda, Pablo Picasso, Aretha Franklin, Nostrodamus, Jack Davenport, Michelle Rodriguez

#9 - THE PERFORMER

9's are natural entertainers. They are very caring and generous, giving away their last dollar to help. With their charm, they have no problem making friends and nobody is a stranger to them. They have so many different personalities that people around them have a hard time understanding them. They are like chameleons, ever changing and blending in. They have tremendous luck, but also can suffer from extremes in fortune and mood. To be successful, they need to build a loving foundation.
Famous 9's: Albert Schweitzer, Shirley MacLaine, Harrison Ford, Jimmy Carter, Elvis Presley, Rowan Atkinson (Mr Bean!)

Please post your comments and tell us if you find it right.

Saturday, January 16, 2010

50 of the world's best design blogs

Do you aspire to something more original than a generic Ikea-filled home?

These blogs are full of inspired home-styling ideas, suggestions of how to
support small-scale, affordable designers selling handmade items and vintage
and modern homeware, as well as tips for upcycling old furniture.

This list does not cover architecture or wedding design and is a small
selection from the thousands of blogs focusing on interiors, graphic and
product design. All post regularly and have a strong identity with original
content.

50. Lovely Clusters Pretty design finds chosen by a Hawaiian-based graphic designer.

49. The Fabric of my Life Musings and photo collages from a London interior stylist.

48. Design Squish Design
blog with an emphasis on nature, sustainability and eco issues.

47. Pillar Box PostLondon style and observations from an American ex-pat.

46. Automatism The daily visual inspirations of a Canadian illustrator.

45. Nestled In Home renovation and thrifty finds from Finland.

44. Oliveaux A Brisbane-based interior designer shares her passion.

43. Brooklyn LimestoneThe renovation of a traditional Brooklyn limestone townhouse.

42. Delight by Design
Glamorous interiors and classy styling ideas.

41. Please Sir Vintage purchases to covet and more from a North Carolinian designer.

40. Chez Larsson The interiors and craft projects of a Stockholm family home.

39. Katy Elliott New England-inspired selections from an ex-Domino writer.

38. Simplesong Design favourites with a clean and simple quality.

37. Modish Portland-based champion of indie designers.

36. Oh So Beautiful Paper Wedding invitations and inventive stationery ideas.

35. The City Sage California-based Anne Sage’s features include seasonally-themed styling and book reviews.

34. The Design Files Melbourne homes, shops and design.

33. Home Shopping Spy
Technically the blog of Ideal Home magazine run on the writer’s sparky comment.

32. Mint Design, art and more from graphic designer Ellie Snow, with an interesting recent series on adapting to a freelance lifestyle.

31. Making it Lovely Feminine
favourites, independent design and home decoration.

30. Oh Hello Friend
Beautifully-designed and curated posts from a graphic and jewellery designer.

29. Fine Little Day
Quirky Scandinavian style from a Swedish designer and photographer.

28. Bliss Photographer Mrs French’s ‘I heart Monday’ wishlist is a weekly highlight.

27. A Field Journal Visual eye candy featuring this talented student’s own photography and craft projects.

26. Coco & Kelley Trend watch from a Seattle-based interior and events stylist with a penchant
for elegant glamour.
25. Wee Birdy Incredibly cohesive: London shopping and birds-inspired design, authored by an Australian magazine writer living in London.

24. Pia Jane Bijkerk Unique content from an Australian prop stylist and author living in
Amsterdam.

23. Daydream Lily Her other
life - dreamy images selected by Melbourne-based research scientist Liss Winnel.

22. Sweet Paul Craft and styling ideas from New York-based food and prop stylist Paul Lowe.

21. Design for Mankind
Featuring edgy graphic and product design, this blog has a brilliant video series highlighting issues facing creative freelancers.

20. Dos Family Photographer Jenny Brandt’s aspirational home tours feature stylish Swedish families.

19. This is GlamorousConsistently classy selections with a high glamour factor.

18. Lobster and Swan
Hastings design muse Jeska shares her photography and vintage-styled vignettes from her home.

17. Frolic! Relaxed style from a Portland-based floral stylist.
16. Grain Edit Mid-century inspired graphic design.

15. Print and Pattern Popular British blog focusing on colourful surface pattern design.

14. Swiss Miss Unique ideas and products picked by a Swiss graphic designer living in New York.

13. Bloesem Kuala Lumpar-based writer Irene also has an offshoot blog featuring child-specific
design.

12. Young House Love Interiors advice, DIY and moodboards from a young couple renovating their own home.

11. Design is Mine
A perfectly picked selection of art and design from independent designers worldwide.

10. SF Girl by Bay Bohemian chic from San Francisco-based Victoria Smith, a former art dealer.

9. Creature ComfortsFeaturing Flickr favourites and promoting handmade design, this blog’s layout is itself a visual treat.

8. Emma's Design Blog Scandinavian style from a Stockholm-based design enthusiast.

7. Poppytalk Vancouver-based blog with a marketplace for independent designers.

6. Decor8 All-round comprehensive design blog written by an American living in Hannover, Germany.

5. Oh Joy! Stylish selections which complement the cool aesthetic of the writer’s own successful stationery range.

4. Desire to Inspire
Interiors inspiration galore, co-written on different continents by an Australian and a Canadian.

3. The Selby Uber-cool photographs of creative people in their living spaces, taken by photographer Todd Selby.

2. Design Sponge With a book in the works, Design Sponge includes readers’ DIY ‘before and afters’
and inspiring house tours.

1. Apartment Therapy
Every aspect of interior design is covered in this American mega-blog, with the useful option of posing your design dilemmas to its readers.

By Lynne Robinson has a design blog at www.teaforjoy.blogspot.com,focusing on British design, tea shops and vintage finds.

Source Url: Click Here

Tuesday, January 12, 2010

Family Budget-recommendation by Prerana Salaska

Basic Financial Planning

Since Mr Suman is the only earning member with two dependents, including a one-yearold infant, we feel that he needs to scale up his cover so that he is capable of meeting at least 15 years expenses. That means a sum assured of at least Rs 25 lakh more. This could cost Rs 6,500 p.a. He would also need to be covered for health insurance, which would entail a yearly premium of Rs 6,000.
His savings bank balance and time deposit should serve as a cushion for any emergency needs, should they arise. His current investments are skewed towards debt investments returning fixed returns. His current asset allocation is almost 80% in debt, which needs to be changed to 70% equity for his age, goals and long-term planning. He could look at directing his investment in ELSS and bank deposits maturing in the coming months towards equities to better returns.

Goal-Oriented Planning

Since for the purchase of the car, down payments and instalments will be wholly-financed by salary arrears and future incremental income, the impact on current financial flows could be considered irrelevant till the time of completion of EMI payments. However, one needs to consider that a car entails additional expenditure such as fuel costs, maintenance, servicing costs and insurance, which could amount to around 30-50 % of EMI costs. Keeping his various goals in mind, he could consider looking at a cheaper car range, which could take care of the ancillary expenses. Alternatively, he could defer purchasing the car till a further improvement in income, if he thinks buying a house is more important.

Purchasing a House

A house worth Rs 35 lakh will involve a down payment of nearly Rs 7 lakh and an EMI of Rs 20,000, for a 20-year tenure. Assuming that he opts to not buy the car and considering the current surpluses, he would still be short of EMI payments by approximately Rs 5,000, three years hence. We suggest that this decision could be deferred for another five years or until there is a marked improvement in salary. We have assumed that he presently stays with his parents and there will be no saving on rent by buying his own house.

Child Education Planning

Assuming that he would need a corpus of Rs 25 lakh for his kid in his 18th year, he should create an inflation-adjusted corpus of Rs 67.31 lakh in 17 years. Various investments in MFs would materialise to Rs 11.55 lakh, 17 years hence or in the childs 18th year. Considering his current cash flows, he could take an education loan then.

Retirement Planning

Maintaining his current lifestyle means Rs 2.40 lakh p.a, which translates into Rs 13 lakh p.a in his 60th year, after 29 years. Assuming a life span of 90 years, he needs to plan for the next 30 years at 13 lakh p.a (Rs 1,08,000 p.m), adjusting for inflation. This means a retirement corpus of close to Rs 2.26 crore when he is 60. His current investments would yield a corpus of around Rs 1.79 crore, which means that currently there is a deficit of Rs 48 lakh. Surplus after the recommended Rs 3,500 SIP in ELSS, is around Rs 3,500 p.m. Out of this, Rs 3,000 can be invested in balanced fund SIPs to yield Rs 48 lakh in 29 years at 8% p.a return.

Rationalising between goals

His current shortfall in retirement corpus needs to be revisited yearly and the plan tweaked accordingly. If he feels that buying a house or providing for his childs education constitute more pressing issues than planning for a comfortable retirement, he could utilise a portion of retirement allocation towards these needs, as required. Shortfall in retirement corpus, if any, could be met through means such as reverse mortgage in future.


By Prerana Salaskar-Apte , a certified financial planner, is a partner with The Tipping Point
source: Economic times dated 12th Jan.'10
Web url: Click here