We Think Other People Are Better Than Us

“No one can make you feel inferior without your consent.”

We are suffered from depression at a point in our life, and also have suffered from low esteem pretty much all the time. It’s not an abnormal trait that comparing ourselves to others. Especially in women because our brain is terrifically inventive, at our worst, we can find literally any thing as a proof that another woman is better than us.

Like, she’s is beautiful. She has nice physics. She has successful carrier.  She has lots of money. She has nice cloths. She has brown eyes. She has blue eyes. All wasteful comparison stuff which we are comparing with others.

U know many times our thoughts would be like this how does she has the so much money? How does she have the energy to make herself look so fashionable? In our mind there is lots of such question which feels our self comparing.

Many times we feel ashamed of our own appearance by comparison. It’s really horrible that we mention close minded about the other women. We didn’t know their circumstances, their personality but we saw the outside and believed that it looked better than us.

They are just people. It’s us who thinks that they are better than us. We are the people who judge that one of us is prettier, more successful, and happier. We make all these comparison and then berate my selves, first for being a lesser being then them.  And then latter for being irrational and silly.

But as it our reaction, our brain we have the power to do something about this. As with all insecurities, thought patterns, habits: it takes lots of work and practices and self forgiveness to teach ourselves to genuinely see our own awesomeness. For some of us it will be our life’s project. J    

Just remember one thing we all are unique personality and a good sense of humor. If we work on our self-esteem and realize how lovely we are J then others, people won’t seem so threatening. Be kind, gentle, and nurturing to ourselves and we will feel less of a need to make comparison.

SEBI Guidelines For Issue of Securities

SEBI Guidelines For Issue of Securities

The Government has set up the securities Exchange Board Of India in April, 1988. for more than three years.SEBI has issued Guidelines From time to time. such guidelines are issued separately for new issue market, stock exchange, mutual funds, merchant banks, registrar and transfer agent, underwriter, broker, sub broker, portfolio manager etc.  The criteria and eligibility requirement for each category are separately set out by the SEBI.

Free entry and free pricing of new issue in the capital market subject to observance of some guidelines :-

1. minimum public offer of 25% of paid up capital; latter reduces to 20% to be eligible for listing on stock exchange out of which half is reserved for investor applying for Rs. 10000 and less.
2. minimum subscription by promoters and director at 25% or issue less than Rs100 crores and 20% for paid up capital of more than 100 crores.
3. preferential allotment of FFIs is subject to ceiling of 30% later reduced to 20% and lock in period of five years.
4. FFI and foreign security are allowed to operate both in the new issue market and stock market but through Indian bankers.
5. stock invest was introduced as a mode of making payment replacing cash and cheque.
6. applying for shares and debentures. this will save loss of interest for investor from the time of applicants to the time of allotment.

SMALL SCALE INDUSTRIES

what is Small Scale Industries?

The meaning or definition of Small Scale Industries varies from one country to another. in most of the countries the criteria for defining a Small Scale Industries relates to the size of employment or capital or both.
In India, the ministry of commerce and industries defined a Small Scale Industries as a unit with a capital investment of not more than Rs. 5 lakhs irrespective of the number of person employed.

The Reserve Bank Of India (RBI) adopts an expanded definition of SSIs which includes traditional industries as well :-

• Small Scale Industries undertaking which are engaged in the manufacture, processing or preservation of goods in which the investment in plant and machinery does not exceed Rs. 1 crore . 
• tiny enterprises whose investment in plant and machinery does not exceed Rs. 25 lakhs 
• powerlooms
• the decentalised  and informal sector like hand looms, handicraft coir etc.
• the industry related services/ business enterprises which are notified as such.

 Advantages of Small Scale Industries :-

1.   Small Scale Industries can be started as per convenience of the owner in terms of space, finance ,product and manpower.
2. the setting up of the unit and starting of production requires a small gestation period of only 2 to 6 months
3. locality available skilled and semi-skilled people can be appointed at short notice and at a much lower wages compared to the medium and large industries.
4. some Small Scale Industries do not require a high level of technology.
5. Small Scale Industries are generally labour intensive.
6. It is one of the best of self employment as well as giving employment opportunity to own kith and kin, friends or relatives etc.
7. in case of rural sector the SSI unit will be able to have cheaper labour especially in off seasons.
8. Small Scale Enterprises in developing countries help to create economic stability in society by diffusing prosperity and by checking the expansion of monopolies.

Contact Costing

Contact Costing, also known as terminal costing, is a variant of job costing. In this method of costing, each contract is a cost unit and an account is opened for each contract in the books of contractor to ascertain profits/loss thereon.

Features of Contract Costing :- contract costing usually shows the following features :-

1. contracts are generally of large size and therefore, a contractor usually carries out a small number of contracts at a particular point of time.
2. A contracts generally take more than one year to complete 
3. work on contracts is carried out at the site of contracts and not in a factory premises.
4. each contract undertaken is treated a cost unit.
5. A separate contract account is prepared for each contracts in the books of contractor to the ascertain profit or loss on each contract.
6. nearly all labour cost will be direct .
7. most expenses (e.g. electricity, telephone, insurance, etc.) are also direct.
8. specialist sub contractors may be employed for say , electrical fittings, welding work, glass work, etc.
9. plant and equipment may be purchased for the contract or may be hired for the duration of the contract.

  Procedure :-     the basic procedure of contract costing is as follow :-

1. Contract Accounting :- each contract is allotted a distinct number and a separate account is opened for each contract.
2. Direct Cost :- most of the cost of a contract can be allocated direct to the contract. all such direct cost are debited to the contract account. direct cost for contracts include-    

• materials
• labour and supervision
• direct expences
• depreciation of plant and machinary
• sub- contract cost etc.

 3. Transfer of materials or plant :- when material ,plants or other items are transferred from the contract. the contract account is credited by that amount.

4. Contract Price :-  the contract account is also credited with the contract price. however, when a contract is not completed at the end of the financial year, the contract account is credited with the value of work-in- progress as on that day.

5. Profit or Loss on Contract :- the balance of contract account represents profit and loss which is transferred to profit and loss account. however, when contract is not completed within the financial year , only a part of the profit arrived is taken in to the remaining profit is kept as reserve to meet any contingent loss on the incomplete portion of the contract.

Relationship Between Bankers and Customers

Special Relationship Between Bankers and Customers

The special relationship between bankers and customers takes the form of rights which the bankers can exercise and the obligations which he owes to his customers. these rights and obligation are discussed below:-

A) Rights of Bankers :- the bankers enjoys several rights while dealing with customers. these rights are as follows-
1) right to Lien:- bankers has the right of general lien in respect of the amount due to him by customer.
lien is a right of a person to retain that which is in his possession and which belongs to another, until the demands of the person in possession are satisfied. lien gives to a person only a right to retain the possession of the goods and not the power to sell unless such a right is expressly conferred by the statue(e.g. unpaid seller) or by custom or usage.

there are two kinds of Lien:-
 a) Particular Lien:- it's attached to some specific goods. it is a right to retain possession over particular goods in connection with which the debt arose. it is restricted to those goods which are the subject matter of the contract and are liable for certain demands of the person in possession of those goods.

b) General Lien:- it entitles a person to retain possession of goods belonging to another for a general balance of account. it will entitle a person in possession of goods to retain them until all claims of account of the person in possession against the owners of goods are satisfied.

2) Right Of Set Off :- under general law is statutory Right of a debtor to set-off any amount due to him from the creditor in order to arrive at the net amount due from him to the creditor. this right is available only if both the amounts are certain, actually due between the same persons and if there is no agreement between them contrary to the right to st-off. in the other words, the mutual claims of a debtor and creditor are adjusted together and only the remainder amount is payable by the debtor.
it arises in the following cases :-

• on the death, insolvency or insanity of customer.
• on the insolvency of a partner .
• on the winding up a company.
• on receipt of garnishee order.

B) Obligation of Bankers :- bankers are under the obligations fulfill certain duties while dealing with customers. such obligations are:
1) Obligation to honor customer's cheques:- when a person opens an account with the banker, the latter undertakes to honour the cheques drawn by his customer so long as the fund belonging to him are sufficient and available for this purpose.
2) Obligation to Maintain Secrecy :-the banker is bound by duty of secrecy regarding his dealings with his customers. This duty is contractual in nature and is one of the implied terms on which banker -customer relationship is built.
by secrecy is meant that the account book of the bank will not be thrown open to the public or government official and the banker will take all necessary precautions for ensuring that the state of affairs of customer's account is not made known to others by any means.

Did You Appreciate Yourself ?

 " If we don't stand for our-self, no one else will."

Today world we didn't find a person easily who appreciate themselves! They always blame own self or if he couldn't do this then they blames others.it's genuine human nature. its hard to appreciate others but appreciate yourself is harder than , appreciate others.

At the time we were kids we were surrounded so much with attention. People would always say to us how cute we are, how smart...etc.

In a grown up world things are differently. People don't give you that much attention and they don't compliment you that often. And if you are a person that wants approval from the others you might feel miserable. But just because others don't say how great you are, doesn't mean that they are are right. In fact the y believe that you are better, but there is nothing worse than jealousy.
appreciation  helps you grow and contribute to the world

(appreciation) i mean to say appreciate yourself is the best way to motivate yourself to getting achievements of your life. you know but today people are not so interested to motivate you, to appreciate you, so we can do a simple thing that we can at least appreciate our self. it will take only1 second! 
so take a time to appreciate yourself at least.

no one see this, if by chance some one will see you to do this and laugh at you, comment on you , don't worry be continue with this activity (appreciation). i mean appreciate them , who laugh at you and comment on you and say thanks to them, and also say that they brings lots of  confidence in you to do such activity (appreciation).  

you know what! appreciation gives you lots of encouragement, motivation and pushing you to obtain your achievement.
  now I’m not talking about appreciating the miracle of life—although it’s obviously an awesome thing. I’m talking about actually appreciating all the good things you’ve done for you and the world.

see one thing everyone lies with you but your soul don't.
so when you do good things your soul will  automatically say this (wah) woo you done this. if your soul say this then why aren't you ????
if you will appreciate others then automatically your heart say this "wah beta you done this job!! that you appreciate others and make them happy ". its a another way to proud or appreciate yourself.

Entrepreneurship; what is it?

ENTREPRENEURSHIP

First we understand what is entrepreneur?

although no single definition exist for entrepreneur and no one profile can represent today's entrepreneur, research is providing an increasingly sharper focus on the subject. so An entrepreneur as an Innovator who carries out new combination to initiate the process of economic development through introduction of new products, new markets, conquest of new sources of raw material and establishment of an new organization of industry. 

The characteristics of   entrepreneur are:-

1) He has got strong desire to achieve higher goals.
2) He should have a clear objectives as to the exact nature of the goods to be produce and subsidiaries activities to be taken..
3)An entrepreneur must be reasonably intelligent and should have creative thinking and must be able to engage in the analysis of various problems and situations in order to deal with them.
4) An entrepreneur are always positive in their actions.
5) start- up  entrepreneurs face uncertainty compounded by constant changes that introduce ambiguity and stress in to every aspect of the enterprise.

NOW we come to know about Entrepreneurship?

Entrepreneurship  is the process of  creating something new with values by devoting the necessary time and efforts, assuming the accompanying financial, psychic, and social risk, and receiving the resulting rewards of monetary and personal satisfaction and independence.

The characteristics of   Entrepreneurship are:-

1)  Entrepreneurship is a creative activity. it means doing something new or something different and creative.
2) Entrepreneurship exist under conditions of risk and uncertainty. the two are not same RISK refers to the variability of outcomes ( or returns). and UNCERTAINTY refers to the confidence. so it means Entrepreneurship  learning from mistakes and failures .
3) activity of Decision Making.
4) Entrepreneurship is a process of Motivation.
5) Entrepreneurship is the crux of Leadership.

Miraculous Experiences

I am here today to talk about my life transshipment  miraculous experience. It's a diversion point with me and my friends.  i memorized that day 17th July 2013,Bharth GC sir came to our college "Maharani Lakshmi Ammanni college For Women"  He denotement our class about the work shop and gave succinct introduction about Sujit lalwani sir and Mohan BN sir. 

when i visited the workshop at that time firstly i thank to god that my decision was correct, and i came here to attend this wonderful workshop, and escape to miss this opportunity. in my past i had attended many workshops but they were not so interesting as this one. the workshop on 20thjuly 2013 was very much motivating and interesting. After that day my life got totally changed. Firstly, Bharth GC sir gave us a remarkable introduction  about Sujit lalwani sir and Mohan BN sir. then Mohan BN sir gave his inspiring speech. then after, Sujit lalwani sir also gave us a wonderful speech. which is also too much inspiring for me. both dignities are very important and help us to take sharp in our education. they had also suggest many important instruction to face the regarding problems.

I decided at that time ,"i want to meet with these two dignities after the workshop will over ".

after the workshop was over, i Talked to Mohan BN sir and shared my problems (stage fear, lack of confidence and big problem lack of communication) with him. He listened my problems and gave some advices. i felt that time he is so great man because he has time and patience  to listen my problems. more over he is a great personality who is multilingual public speaker, author, poets. 

and i Saw Sujit lalwani sir and i feel so exited at that time talk with him but unfortunately my bad luck i didn't got the chance to meet him.

 
So I decide to send all of them a friend request through face book. one day my friend messaged me and informed that Mohan BN sir wants to meet us. we were so excited to meet him. we met him on 28th July 2013 and told our problems to him. it has been four weeks meeting with him on every Sunday.he gave us some task to do.

so, 1st week he gave us an activity which was called crazy paragraphs. in which we have to search 5 different words and 5 topics (nouns) on that we have to put these words and topic together and made crazy paragraphs ,in this way we learned many different words and topics and ability to make things crazy. i really loved this activity.

on 2nd week, activity was blogging we were read books on great leaders and also he told us to published blog everyday what we were read. it was new for us but interesting i love to this activity and enjoyed very much.

3rd week was very interesting for us because in this task we went out of our comfort zone. in this task he told us to collect meals from our college mates for needy people and give them. firstly we faced difficulty to found orphan ages because sir told us to give food any orphan age where they are not able to eat 1 time meal. so its difficult task for us , but finally we found 1 school Deepa Academy. we went Deepa Academy (visually disabled school). there we were served the food which we kept from our college mates. thanks to all my friends who gave us food for needy people. I learned so many things from their. i was literally crying at that time because i did not realized that all situation what they are actually face. We went one orphan age also where we saw that children have so many dreams and they work hard but the warden were so rude with that people . Actually we have to thanks to god who gave us parents. 

on 15th August 2013 me and my four friends were went to the streets and giving foods to the beggars, who are really in need. On that day we went all the streets of malleshwaram, Ramiahh and Shivaji  nagar in Bangalore.

we searched the needy people and gave food to them. After this they all were so happy and blessed us. It was best experience for me and some time some needy people started crying ,and that point of time i realized the value of food. I was started crying."ANNA PARABRAHMASWAROOPAM" IT MEANS food is equal to god so don't waste food better it gives to others. All of the foods that we were kept from our college mate were pretty unique.

and 4th Week was really unique for me that we have to study at least 6 hours. It was so difficult but we done it because we commited to do this :) I learned concentration, time management from this activity.

"Commitment is that turning point in your life when you seize the moment and convert it into an opportunity to alter your destiny"

These 4 weeks of my life has completely transformed me and today I feel more confident , full of life.

he taught so many things and face the worst situations , he told if you truly want success then  you will  never give up on it. No matter how bad the situation may you get.
I learned so many things from Mohan BN sir. I know the meaning of idol but really i don't know who is ma idol. From my childhood i usually heard from others that their idol is their parents or some film star. From my childhood when someone asked me who is your idol i said i don't know:( everybody was laughed on me . For that fear i also said this that my parents are my idol but now i can proudly say this that i know the exact meaning of idol and my idol is Mohan BN sir. sir changed my life. I used not to talks with others because of lack of communication but now a days i can communicate with them its just because of Mohan BN sir . thanks you god you gave me such opportunity to meet with Mohan sir.

DON'T WASTE FOOD; GIVE IT TO OTHERS.

"ANNAM PARABRAHMASWAROOPAM," says our Indian philosophy. This means that food is equal to God as told by our great ancient savers. but in latter generation, are we giving the same amount of respect to this age-old God? Frankly, most of us do not. Result: Millions of people are dying in hunger when millions of tons of food is being thrown away, wasted, discarded, whatever; for no good reason most of the times. so there is a simple solution is "Don't waste food; Give it to others." 

Today i am talking about my 15th August experience :) 15th Aug celebrated as a Independence day of our country (India) .  15 August, is a national holiday in India commemorating the nation's independence from British rule on 15 August 1947.There so many people in our India who are unable to afford for food even for a single meal and they die due to hunger. So on that day me and my four friends are went to the streets and giving food to the beggars who are really in need. On 15Th Aug we went all the streets of malleshwaram, Ramaiah and Shivaji  nagar. we searched the needy people and gave food to them after this they all were so happy and blessed us. it was best experienced for me at that i saw some needy people start crying . At that point of time i realized the value of food, i was started crying .  all of the foods that we were kept from our college mates were pretty unique.
I  thanks to all my friends who gave foods for needy people. i proud my self :)

“All of the foods that were brought were pretty unique,” - See more at: http://rhsrumbler.com/newsevents/2013/04/19/food-days-give-students-chance-to-experience-other-cultures/#sthash.PWqCY8B9.dpuf

“All of the foods that were brought were pretty unique,” - See more at: http://rhsrumbler.com/newsevents/2013/04/19/food-days-give-students-chance-to-experience-other-cultures/#sthash.PWqCY8B9.dpuf

“All of the foods that were brought were pretty unique,” - See more at: http://rhsrumbler.com/newsevents/2013/04/19/food-days-give-students-chance-to-experience-other-cultures/#sthash.PWqCY8B9.dpuf

Gandhiji once told that if God were to appear to the millions of hungry people, it would be in the form of food. Please don't waste food, give it to others because "ANNAM PARABRAHMASWAROOPAM." 

Subhash Chandra Bose

. 'Tum mujhe khoon do, mein tumhe azadi doonga'

(You give me blood, and I promise you freedom).

 

Subhash Chandra Bose was born in Jan 23, 1897. He also known as also Netaji, was one of the most prominent leaders of the Indian Independence Movement against the British Raj. His father, Janakinath Bose, was a public prosecutor who believed in orthodox nationalism, and later became a member of the Bengal Legislative Council. His mother was Prabhavati Bose, a remarkable example of Indian womanhood. 

Bose was educated at Cambridge University. In 1920, Bose took the Indian Civil Service entrance examination and was placed second position.

He was a man of daring schemes and unflinching determination. He had joined Indian National Congress, and was particularly active in its youth wing. Gandhiji opposed this ideology because it directly conflicted with his policy of Ahimsa (non-violence). Subhas was one of the few politicians who sought and worked towards Hindu-Muslim unity on the basis of respect of each community’s rights, being a man of ideals, believed in independence from the social evil of religious discord.
in February 1938, Subhas was elected President of the Indian National Congress . Netaji wanted unconditional and complete freedom. He dreamed of a classless society with no caste barriers, social inequalities or religious intolerance. He believed in equal distribution of wealth and destruction of communalism. His slogan “Jai Hind” still acts as a great binding force today.

  "I stand for truth; I fight for truth and I shall die for truth," said Subhas in one of his memorable speeches in Singapore. He did not fear even death. "I am immortal till my work is done", he used to say. May the soul of the mighty architect of India's liberation lead us and show us light in the country's moments of frustration, disappointment and dejection.
he died in Aug 18, 1945because of air crash at Taipei, Taiwan.

Experience in Blind School

"What,  a blind person needs is not a teacher but another self."

 

Today i am talking about my one of the best experience. Yesterday me and my four friends went blind school (Deepa Academy) to serve the food, which i kept from my friends :) . when we went inside, the manager and their colleagues greeted and showed us the whole academy. there was a kitchen where the elder girls were cooking food for all the members.  then we saw a room where every one used to eat. A group of girls are there who take cares of their classmates. I served the foods which i kept from my college friends. thanks to all of them who helped that needy people. I started talking with an one girl she is in 11th standard. She didn't eat food at that time because she was suffering from fever. She was nice and kind hearted girl. I talked all the student, it was a really nice experience in my life. We went to their classes also, we sat together and  were enjoying, playing games and singing songs at that time. and we were trying to understand,  how to read  brain lipi alphabets. I was shocked at that time, when i realized that they knew how to computer and laptops.but they never got a chance to show their talent in ti outside the world. but still there was a sense of cooperation, love, selfishness in everyone. They lived like a family. It was 2'o clock when we were  said good bye to them. neither of us wanted to go. i saw that people, and realized one thing that is we should value everything in our life and thanks to God for whatever he given us .

Mahatma Gandhi

Mahatma Gandhi's full name is Mohandas Karamchand Gandhi. He was brought up in Gujarat family and studied law in London. You know this fact that there is not a single country in the world where the name of mahatma Gandhi is not know. You know why is so famous because he dedicated his whole life to the services of mother land. And also service for humanity. 

 

 Today i am going to tell you something about Mahatma Gandhi'ji, father of the nation or we can call him Bapu.

 The early days our country was made up of a large number of small Princely Kingdoms. Porbandar in Gujarat was one such Princely Kingdom. Gandhiji's father Karamchand Gandhi, popularly known as Kaba, was a Minister there. Kaba Gandhi was an honest, upright man, a strict disciplinarian, and very hot tempered. His wife Putlibai was a extremely religious person. She would not have her meal until she had worshipped the sun. Hence sometimes in the rainy season, she would go hungry for two-three days at a stretch. She was a very loving person, and immensely hard-working. To these parents a son was born on October 2nd, 1869. He was their youngest son. He was called Mohandas. He was our Gandhiji.

  He was deeply attached to his parents and brothers. The values of truthfulness, honesty, integrity were instilled in him from the very beginning. As a child he was not very brave. He was mortally afraid of the dark, of ghosts and spirits, and also of snakes and scorpions.

At night he would cry in fear. The maid who looked after him scolded him very often. "You should be ashamed of yourself" she said. "What will you do when you grow up?" She then told him that every time he was frightened he should take the name of God Rama. Gandhiji took her advice, and finally he overcome his fear. Soon it was time for him to go to school. As his father was in Rajkot at that time, he attended the school there. he was a shy at that time, he would not mix with  other children. Most of the time he kept to himself. In the beginning he did not like some of the subjects that were taught to him, but with encouragement from his teachers he studied them, and began to enjoy them. From then onwards he took his studies very seriously. Mohandas  was very shy.

 One day, the Inspector of Schools, Mr Giles, came to Mohandas's school. He read out five English words to the class and asked the boys to write them down. Mohandas wrote four words correctly but the fifth one he made spell mistake. at that time his teacher gave him instruction behind the inspector that you would copy that word from your  neighbour's slate. but Mohandas ignored sign.
As he went home that evening, Mohan was not unhappy. He knew he had done the right thing. What made him sad was that his teacher should have asked him to cheat.

 Right then he resolved that he would always lead a truthful and honest life, and throughout his life he stuck to his resolution.

Be Genius In Human Relationship

 Look at the word responsibility—“response-ability”—the ability to choose your response. Highly proactive people recognize that responsibility. They do not blame circumstances, conditions, or conditioning for their behavior. Their behavior is a product of their own conscious choice, based on values, rather than a product of their conditions, based on feeling.

 

A boy born to a couple after eleven years of their married life.They both are loving couple and that boy was the apple of their eyes :) 

One morning, when the boy were around only two year old, the husband a medicine bottle open.  At that time he was going to late their office so he said to her wife to cap that bottle and keep it in the cupboard only . The wife was very busy with her work at that time so she forgot the matter . The boy went playfully went that bottle up and drank it all. That medicine is poison actually. When the child showed signs of poisoning the wife took that boy to the hospital , where he actually died . :(

The mother was stunned. She was terrified how she was faced her husband. When the husband came to the hospital and just saw the child, he looked at his wife and said just four words ........

The husband said," I LOVE YOU"

the husband give unexpected reaction that is called proactive behavior. He is indeed a genius in human relationship. The child is dead. He can never come back to their life. There is no point to finding fault in his wife.  she also lost her child. What she needed at that time- that was consolation and sympathy from her husband. that is what husband gave to her. 

 

 Therefore, if everyone can look at his life with this kind of perspective there there would be much fewer problems in the world.