How to plan your investments once you are retired?

This is a guest post written by Manikaran Singal who is a certified financial planner and runs a personal finance blog - Good Moneying. Retirement is very important and critical stage in one’s financial life. This stage can be made more enjoyable where you relax, spend time with family, pursue hobbies if you have properly planned for that. But it can be most horrifying phase also where your regular income stream is no longer available, with no pension provision and where you have not saved enough to take care of your retirement needs. Due to the various challenges and risks associated with retirement, we recommend retirement planning should be given its due importance and starts as soon as possible. Retirement Planning works in 3 steps – Accumulation – Preservation-Distribution. Accumulation is the stage where we invest to generate a decent corpus which is assumed to take care of us during retirement years. This accumulation we do till retirement. In Preservation stage we become cautious about our accumulated corpus and we start coming out of risky asset classes and start shifting the corpus into debt, though savings doesn’t stop during this stage also, as our regular income stream is intact. Distribution is the stage when we make arrangements to use the corpus through interest, dividends and withdrawing capital which we have accumulated. In the complete retirement planning, distribution is the most important of all, as all our efforts of accumulation and preservation were directed towards this stage only. With a regular income stream no longer available, the savings made over one’s working years now have to provide for all needs. Now your investments need to create a paycheque for you. In accumulation and preservation stages the mistakes can be ignored as you were getting regular income, but at distribution stage, small mistakes can cost huge. Through this article, I will be discussing with you on the distribution stage of retirement planning and how you can plan your investments once retired. 1. First step is to prepare you on the risks front. Like : a) Longevity risk: We don’t know for how long we are going to live. Whatever life expectancy you have assumed during accumulation stage may not be correct. If you outlive that age and not used your corpus judiciously you may find yourself in financial soup. b) Health risk: At this age probability of health problems is much more. We don’t know till when health remains favorable on our side. And when it gets unfavorable how much of our accumulated corpus it may wash away. 2. Have a look at your expenses. This is very important as the ultimate target is about to generate comfortable income stream from the corpus to meet the basic and desired expenses easily. Here you may divide your expenses in 4 parts: Basic/desired/on dependents if any/Loan EMIs if any. Basic would include the family’s general and unavoidable expenses which may include the family gifts on various festivals/occasions, desired is what you want to do after retirement like going on annual or bi annual vacations, pursuing some hobby, some charitable or religious activity etc., On dependents means…situations where children are still studying or are not yet settled in life etc. and Loan EMIs. 3. Investment Options. When you have calculated how much is required, now is the time to look out for the options where you may park the lump sum amount to start getting regular income. Here one thing has to be noted that one should not ignore the growth aspect in investments and should give equal importance to that. To add to it, one should not get into wrong products with the lure of making fast money in the name of growth. Just reminding you again that mistakes made at this stage of life may prove very costly. Make 3 investment buckets by investing corpus in different percentages. Basic Bucket (50% -60%): Looking at the monthly requirement and pension inflow if any, one has to plan to fulfill the gap, for which one may use the products like Post Office Monthly Income scheme, Senior Citizens savings scheme , bank fixed deposits with monthly/quarterly pay-out options, Immediate annuity etc. I mean use those products which can supplement your monthly inflow. But here do keep in mind the taxability aspect also. All the so called safe instruments are taxable. So where the taxation crosses the acceptability criteria, then you may use Mutual funds Monthly income plans or park the amount in debt mutual funds and start systematic withdrawal plan, but please note in the latter you are withdrawing the capital part of corpus which should be last resort. Health Bucket (10%-15%): After arranging for your current monthly requirement, put some percentage of your corpus into debt mutual funds or cumulative fixed deposits as a health fund which will take care of your those medical emergencies where expenses jumps over health insurance coverage. Growth Bucket (20%-25%): Put the balance corpus or at least 20% of the total corpus in equity oriented Mutual funds diversified or index, to cope up with the inflation aspect and After every 5th year transfer the growth portion into the basic bucket, so the monthly income can be supplemented and put it in line with the increased expenses. Some Do’s and don’ts after Retirement. Do review your financial situation every year. Do buy adequate health insurance coverage for yourself and your spouse. Count the annual premium in the basic expenses. Don’t buy or gift any investment product to any of your family member other than you or your spouse. Avoid gifting child plan to grandchildren etc. Don’t part with your savings in your lifetime. You will be soft emotionally gullible target to the sellers. So beware. Do keep working even after retirement. Shocked!! But in many cases it becomes inevitable especially when you still have dependents, or paying Loan EMIs. The idea is not to enter retirement phase with the burden of Debt and dependents, and not to use the nest egg on these areas. Also please understand that stock trading is not working. Do take good care of your health. If at all you have any health problem better to take proper treatment. Many times I have seen people ignoring the health aspects due to the finances involved in the treatment. But please understand that your health is equally important for your wealth. Don’t overspend in retirement if you have not over invested while working. Don’t put your retirement corpus into Real estate due to the illiquid and unregulated nature of investment. Retirement planning includes much more than just investing. It needs some behavioral adjustments also. The ultimate goal is steady, dependable and lasting income. With careful planning we can balance the needs of inflation protected income and long term growth during retirement.

Why the Sky is Blue

Today it found out why the sky is blue. For the short answer, when light from the sun enters our atmosphere it collides with molecules in the air. The blue part of the light gets scattered more than the other parts during these collisions and thus makes the sky appear to our eyes as blue. If the light from the sun took a straight path down to our eyes with no scattering or absorption in the atmosphere, the sky would in fact look much as it does at night in the day time. So a little background. White light waves from the sun are in fact mixtures of all colors of the light spectrum. Anyone who’s ever had a prism knows that when white light shines through it, the light gets separated and you get a rainbow spectrum showing up on the other side. Humans can only see a portion of the total light spectrum of energy; we see from Violet, which has a wavelength of about 380 nanometers, to red which has a wavelength of about 720 nanometers. Descending from red to violet, we get orange, yellow, green, blue, and indigo between the two. Another needed piece of information is that the atmosphere of the earth is made up of almost all nitrogen and oxygen. So specifically, what is happening here is that because the wavelength of blue light is about the same size of an atom of oxygen, which makes up 21% of the earth’s atmosphere, blue light gets scattered by these oxygen molecules while the reds, oranges, and others more or less pass straight through the atmosphere without being scattered much at all. So when you look up at the sky, everywhere you look looks blue as the blue portion of the light spectrum bounces off an oxygen molecule and into your eye. It actually turns out that the earth’s atmosphere is also scattering quite a bit of violet light as well. So why doesn’t the sky look more like a blueish/violet? This is for a few reasons. Most important is that our eyes are most sensitive to blue, red, and green. So our eyes are naturally more inclined to respond to blue over violet. Also important is that the sun doesn’t put out light at the same intensity at all wavelengths of the spectrum. In addition to this less amount, some of the violet also gets absorbed in the upper atmosphere; so not as much of it gets to our eyes. So it turns out more or less a combination of these three things makes it so we see the sky as blue instead of violet or blueish/violet. It is interesting to note however, that our eyes are picking up some of the violet and indigo being scattered. Without this, we would in fact see the sky as more of a blueish green. This is because the green cones in our eyes respond to the small amounts of scattered yellow light wavelengths to some extent; meanwhile our eye’s red cones respond to the indigo/violet somewhat which balances things out a bit and so we only perceive the blue being scattered. So you might now be asking, “Why is the sky red or orange when the sun is setting?” What’s going on here is that as the sun is setting, the light you are seeing from it is having to travel through a lot more atmosphere given your angle to the sun. Light at lower wavelengths gets scattered more than at the higher wavelengths. So less of the blue light gets to you as it’s being scattered more than, for instance, yellow, orange, and red. In this case, if it is a relatively clear day, the sky will appear more yellow than blue as you watch the sunset because the blue is being scattered so much it never reaches you or at least, not as much of it, but the yellow isn’t scattered nearly as much but still scattered enough to make the sky look yellow. If it is dusty or there are a lot of other types of particles in the air along the path to where you are looking at the sun, the sky will appear more red. If there is a lot of salt in the air, such as at sea, it will appear more orange. So, if there was no scattering or absorption, the sky would appear black in the day time. If there was more absorption or scattering going on than there is, then the sky might appear to us to be yellow, orange, or red all day long.

CUCUMBER

1. Cucumbers contain most of the vitamins you need every day, just one cucumber contains Vitamin B1, Vitamin B2, Vitamin B3, Vitamin B5, Vitamin B6, Folic Acid, Vitamin C, Calcium, Iron, Magnesium, Phosphorus, Potassium and Zinc. 2. Feeling tired in the afternoon, put down the caffeinated soda and pick up a cucumber. Cucumbers are a good source of B Vitamins and Carbohydrates that can provide that quick pick-me-up that can last for hours. 3. Tired of your bathroom mirror fogging up after a shower? Try rubbing a cucumber slice along the mirror, it will eliminate the fog and provide a soothing, spa-like fragrance. 4. Are grubs and slugs ruining your planting beds? Place a few slices in a small pie tin and your garden will be free of pests all season long. The chemicals in the cucumber react with the aluminum to give off a scent undetectable to humans but drive garden pests crazy and make them flee the area. 5 Looking for a fast and easy way to remove cellulite before going out or to the pool? Try rubbing a slice or two of cucumbers along your problem area for a few minutes, the phytochemicals in the cucumber cause the collagen in your skin to tighten, firming up the outer layer and reducing the visibility of cellulite. Works great on wrinkles too!!! 6. Want to avoid a hangover or terrible headache? Eat a few cucumber slices before going to bed and wake up refreshed and headache free. Cucumbers contain enough sugar, B vitamins and electrolytes to replenish essential nutrients the body lost, keeping everything in equilibrium, avoiding both a hangover and headache!! 7 Looking to fight off that afternoon or evening snacking binge? Cucumbers have been used for centuries and often used by European trappers, traders and explores for quick meals to thwart off starvation. 8. Have an important meeting or job interview and you realize that you don't have enough time to polish your shoes? Rub a freshly cut cucumber over the shoe, its chemicals will provide a quick and durable shine that not only looks great but also repels water. 9. Out of WD 40 and need to fix a squeaky hinge? Take a cucumber slice and rub it along the problematic hinge, and voila, the squeak is gone! 10. Stressed out and don't have time for massage, facial or visit to the spa? Cut up an entire cucumber and place it in a boiling pot of water, the chemicals and nutrients from the cucumber will react with the boiling water and be released in the steam, creating a soothing, relaxing aroma that has been shown to reduce stress in new mothers and college students during final exams. 11. Just finish a business lunch and realize you don't have gum or mints? Take a slice of cucumber and press it to the roof of your mouth with your tongue for 30 seconds to eliminate bad breath, the phytochemcials will kill the bacteria in your mouth responsible for causing bad breath. 12. Looking for a'green'way to clean your faucets, sinks or stainless steel? Take a slice of cucumber and rub it on the surface you want to clean, not only will it remove years of tarnish and bring back the shine, but is won't leave streaks and won't harm you fingers or fingernails while you clean. 13. Using a pen and made a mistake? Take the outside of the cucumber and slowly use it to erase the pen writing, also works great on crayons and markers that the kids have used to decorate the walls!!

Multiplying Complementary Pairs

Multiplying Complementary Pairs Quick! What's 23 x 27? 621 There's a trick to doing this quickly. Can you see a pattern in these multiplications? 42 x 48 = 2016 43 x 47 = 2021 44 x 46 = 2024 54 x 56 = 3024 64 x 66 = 4224 61 x 69 = 4209 111 x 119 = 13209 In each pair above, the numbers being multiplied are *complementary*: they are the same number except for the rightmost digit, and the rightmost digits add to 10. The trick to multiplying complementary pairs is to take the rightmost digits and multiply them; the result forms the two rightmost digits of the answer. (So in the last example 1 x 9 = 09.) Then take the first number without its rightmost digit, and multiply it by the next higher whole number; the result forms the initial digits of the answer. (So in the last example: 11 x 12 = 132. Voila! The answer is 13209.) *The Math Behind the Fact:* This trick works because you are multiplying pairs of numbers of the form 10*N+A and 10*(N+1)-A, where N is a whole number and A is a digit between 1 and 9. A little algebra shows their product is: 100*N*(N+1) + A*(10-A). The first term in the sum is a multiple of 100 and it does not interact with the last two digits of sum, which is never more than two digits long.

Qur'an *ഖുര്‍ആനില്‍ നിന്നും ചില വാക്യങ്ങള്‍:-

**1. **ദൈവത്തിന് പുറമെ മറ്റാരോടും നിങ്ങള്‍ പ്രാര്‍ത്ഥിക്കരുത്. (വി:ഖു: ** 28:88)** **2. **നന്മ കല്‍പ്പിക്കണം തിന്മ വിരോധിക്കണം. (വി:ഖു: **31:17)** **3. **എത്ര പ്രതികൂലമായാലും സത്യമെ പറയാവൂ. (വി:ഖു: **4:135)** **4. **പരദൂഷണം പറയരുത്. (വി:ഖു: **49:12)** **5. **മറ്റുള്ളവരെ പരിഹസിക്കരുത്. (വി:ഖു: **49:11)** **6. **അസൂയ അരുത്. (വി:ഖു: **4:54)** **7. **ചാരവൃത്തിയും ഒളിഞ്ഞുകേള്‍ക്കലും അരുത്. (വി:ഖു: **49:12)** **8. **കള്ള സാക്ഷി പറയരുത്. (വി:ഖു: **2:283)** **9. **സത്യത്തിന് സാക്ഷിപറയാന്‍ മടിക്കരുത്. (വി:ഖു: **2:282)** **10. **സംസാരിക്കുമ്പോള്‍ ശബ്ദം താഴ്ത്തണം. (വി:ഖു: **31:19)** **11. **പരുഷമായി സംസാരിക്കരുത്. (വി:ഖു: **3:159)** **12. **ആളുകളോട് സൌമ്യമായ വാക്കുകള്‍ പറയണം. (വി:ഖു: **20:44)** **13. **ഭൂമിയില്‍ വിനയത്തോടെ നടക്കണം. (വി:ഖു: **25:63)** **14. **നടത്തത്തില്‍ അഹന്ത അരുത്. (വി:ഖു: **31:18)** **15. **അഹങ്കാരം അരുത്. (വി:ഖു: **7:13)** **16. **അനാവശ്യ കാര്യങ്ങളില്‍ മുഴുകരുത്. (വി:ഖു: **23:3)** **17. **മറ്റൊരാളുടെ തെറ്റുകള്‍ കഴിയുന്നത്ര മാപ്പ് ചെയ്യണം. (വി:ഖു: **7:199)* * **18. **മറ്റുള്ളവരോട് ഔദാര്യത്തോടെ പെരുമാരണം. (വി:ഖു: **4:36)** **19. **അതിഥികളെ സല്‍ക്കരിക്കണം. (വി:ഖു: **51:26)** **20. **പാവങ്ങള്‍ക്ക് ഭക്ഷണം നല്കാന്‍ പ്രേരിപ്പിക്കണം. (വി:ഖു: **107:3)** **21. **അനാഥകളെ സംരക്ഷിക്കണം. (വി:ഖു: **2:220)** **22. **ചോദിച്ച് വരുന്നവരെ ആട്ടിക്കളയരുത്. (വി:ഖു: **93:10)** **23. **വിഷമിക്കുന്നവരെ കണ്ടെത്തി സഹായിക്കണം. (വി:ഖു: **2:273)** **24. **ചെയ്ത ഉപകാരം എടുത്ത് പറയരുത്. (വി:ഖു: **2:264)** **25. **വിശ്വസിച്ചേല്‍പ്പിച്ച വസ്തുക്കള്‍ തിരിച്ചേല്‍പ്പിക്കണം. (വി:ഖു: ** 4:58)** **26. **കരാര്‍ലംഘിക്കരുത്. (വി:ഖു: **2:177)** **27. **തിന്മയെ നന്‍മ കൊണ്ട് പ്രതിരോധിക്കണം. (വി:ഖു: **41:34)** **28. **നന്മയില്‍ പരസ്പരം സഹകരിക്കണം. (വി:ഖു: **5:2)** **29. **തിന്‍മയില്‍ സഹകരിക്കരുത്. (വി:ഖു: **5:2)** **30. **നീതി പ്രവര്‍ത്തിക്കണം. (വി:ഖു: **5:8)** **31. **വിധി കല്‍പ്പിക്കുമ്പോള്‍ നീതിയനുസരിച്ച് വിധിക്കണം. (വി:ഖു: **4:58)** **32. **ആരോടും അനീതി ചെയ്യരുത്. (വി:ഖു: **5:8)** **33. **അളവിലും തൂക്കത്തിലും കൃത്രിമം കാണിക്കരുത്. (വി:ഖു: **6:152)** **34. **സത്യവും അസത്യവും കൂട്ടിക്കലര്‍ത്തരുത്. (വി:ഖു: **2:42)** **35. **വഞ്ചകര്‍ക്ക് കൂട്ട് നില്‍ക്കരുത്. (വി:ഖു: **4:105)** **36. **സത്യത്തില്‍നിന്ന് വ്യതിചലിക്കരുത്. (വി:ഖു: **4:135)** **37. **പിശുക്ക് അരുത്. (വി:ഖു: **4:37)** **38. **അന്ന്യന്‍റെ ധനം അന്ന്യായമായി തിന്നരുത്. (വി:ഖു: **4:29)** **39. **അനാഥകളുടെ ധനം അപഹരിക്കരുത്. (വി:ഖു: **4:10)** **40. **ധനം ധൂര്‍ത്തടിക്കരുത്. (വി:ഖു: **17:29)** **41. **ലഹരി ഉപയോഗിക്കരുത്. (വി:ഖു: **5:90)** **42. **മദ്യം കഴിക്കരുത്. (വി:ഖു: **5:90)** **43. **കൈക്കൂലി അരുത്. (വി:ഖു: **2:188)** **44. **പലിശ അരുത്. (വി:ഖു: **2:275)** **45. **വ്യഭിചാരത്തെ സമീപിക്കരുത്. (വി:ഖു: **17:32)** **46. **കൊലപാതകം അരുത്. (വി:ഖു: **4:92)** **47. **ചൂത് കളിക്കരുത്. (വി:ഖു: **5:90)** **48. **മറ്റുള്ളവര്‍ക്ക് പാഠമാകും വിധം കുറ്റവാളികളെ ശിക്ഷിക്കണം. (വി:ഖു: ** 5:38)** **49. **ഊഹങ്ങള്‍ അധികവും കളവാണ്**; **ഊഹങ്ങള്‍ വെടിയണം. (വി:ഖു: **49:12)** **50. **തിന്നുക**, **കുടിക്കുക**, **അമിതമാകരുത്. (വി:ഖു: **7:31)** **51. **ശവം**, **രക്തം**, **പന്നിമാംസം എന്നിവ നിഷിദ്ധമണ്. (വി:ഖു: **5:3)** **52. **ഭാഗ്യ പരീക്ഷണങ്ങള്‍ അരുത്. (വി:ഖു: **5:90)** **53. **ഭൂമിയില്‍ കുഴപ്പം ഉണ്ടാക്കരുത്. (വി:ഖു: **2:60)** **54. **മനുഷ്യര്‍ക്കിടയില്‍ ഐക്യത്തിന് ശ്രമിക്കണം. (വി:ഖു: **49:9)** **55. **നിങ്ങള്‍ പരസ്പരം ഭിന്നിക്കരുത്. (വി:ഖു: **3:103)** **56. **ഉഛ്വനീചത്വബോധം ഉണ്ടാകരുത്. (വി:ഖു: **49:13)** **57. **ദൈവ ഭക്തനാണ് നിങ്ങളില്‍ ശ്രേഷ്ഠന്‍. (വി:ഖു: **49:13)** **58. **കാര്യങ്ങള്‍ പരസ്പരം കൂടിയാലോചിക്കണം. (വി:ഖു: **42:38)** **59. **ഇങ്ങോട്ട് യുദ്ധം ചെയ്താലല്ലാതെ യുദ്ധം അരുത്. (വി:ഖു: **2:190)** **60. **യുദ്ധ മര്യാദകള്‍ പാലിക്കണം. (വി:ഖു: **2:191)** **61. **യുദ്ധത്തില്‍നിന്ന് പിന്തിരിയരുത്. (വി:ഖു: **8:15)** **62. **അഭയാര്‍ഥികളെ സഹായിക്കണം (സംരക്ഷിക്കണം). (വി:ഖു: **9:6)** **63. **മറ്റുള്ളവരെ കണ്ണടച്ച് അനുകരിക്കരുത്. (വി:ഖു: **2:170)** **64. **പൌരോഹിത്യം പാടില്ല. (വി:ഖു: **9:31)** **65. **സന്യാസം അരുത്. (വി:ഖു: **57:27)** **66. **നഗ്നത മറക്കണം. (വി:ഖു: **7:31)** **67. **ശുദ്ധി (വൃത്തി) സൂക്ഷിക്കണം. (വി:ഖു: **9:108)** **68. **കോപം അടക്കി നിര്‍ത്തണം. (വി:ഖു: **3:134)** **69. **സമ്മതം കൂടാതെ അന്യരുടെ വീട്ടില്‍പ്രവേശിക്കരുത്. (വി:ഖു: **24:27)** **70. **രക്തബന്ധമുള്ളവര്‍ തമ്മില്‍ വിവാഹം അരുത്. (വി:ഖു: **4:23)** **71. **മാതാക്കള്‍ കുഞ്ഞുങ്ങള്‍ക്ക് രണ്ടു വര്‍ഷം പൂര്‍ണ്ണമായി മുലയൂട്ടണം. (വി:ഖു: **2:233)** **72. **മാതാപിതാക്കള്‍ക്ക് നന്മ ചെയ്യണം. (വി:ഖു: **17:23)** **73. **മാതാപിതാക്കളോട് മുഖം ചുളിച്ച് സംസാരിക്കരുത്. (വി:ഖു: **17:23)** **74. **മാതാപിതാക്കളുടെ സ്വകാര്യമുറിയില്‍ അനുവാദമില്ലാതെ പ്രവേശിക്കരുത്. (വി:ഖു: **24:58)** **75. **കടം വാങ്ങുന്നതും കൊടുക്കുന്നതും എഴുതി വെക്കണം. (വി:ഖു: **2:282)** **76. **കടം വീട്ടുവാന്‍ ബുദ്ധിമുട്ടുന്നുവെങ്കില്‍ വിഷമിപ്പിക്കരുത്. (വി:ഖു: **2:280)** **77. **ഭൂരിപക്ഷം സത്യത്തിന്‍റെ മാനദണ്ഡമല്ല. (വി:ഖു: **6:116)** **78. **സ്ത്രീകള്‍ മാന്യമായി ഒതുക്കത്തോടെ കഴിയണം. (വി:ഖു: **33:33)** **79. **മരണപ്പെട്ടവന്‍റെ സ്വത്ത് കുടുംബാംഗങ്ങള്‍ക്ക് അനന്തരം നല്കണം. (വി:ഖു: **4:7)** **80. **സ്ത്രീകള്‍ക്കും സ്വത്തവകാശം ഉണ്ട്. (വി:ഖു: **4:7)** **81. **സ്ത്രീയായാലും പുരുഷനായാലും കര്‍മ്മങ്ങള്‍ക്ക് തുല്യ പ്രതിഫലം ഉണ്ട്. (വി:ഖു: **3:195)** **82. **കുടുംബത്തിന്റെ നേതൃത്വം പുരുഷന് നല്കണം. (വി:ഖു: **4:34)** **83. **ആര്‍ത്തവ കാലത്ത് ലൈംഗിക സംബര്‍ക്കം അരുത്. (വി:ഖു: **2:222)** **84. **പ്രപഞ്ചത്തിലെ അത്ഭുതങ്ങളെക്കുറിച്ച് ചിന്തിക്കണം. (വി:ഖു: **3:191)** **85. **വിജഞാനം നേടുന്നവര്‍ക്ക് ഉന്നത പദവി നല്കും. (വി:ഖു: **58:11)** **86. **ഭരണാധികാരികളെ പ്രാപ്തി നോക്കി തിരഞ്ഞെടുക്കണം. (വി:ഖു: **2:247)** **87. **ആരാധനാലയങ്ങളില്‍നിന്ന് ആളുകളെ തടയരുത്. (വി:ഖു: **2:114)** **88. **മറ്റ് മതസ്ഥരുടെ ആരാധ്യ വസ്തുക്കളെ നിന്ദിക്കരുത്. (വി:ഖു: **6:108)** **89. **എല്ലാ പ്രവാചകരെയും അംഗീഗരിക്കണം. (വി:ഖു: **2:285)** **90. **സത്യത്തിലേക്ക് ക്ഷണിക്കുന്നത് സദുപദേശത്തോട് കൂടിയാകണം. (വി:ഖു: ** 16:125)** **91. **ആരാധനാവേളയില്‍ നല്ല (അലങ്കാര) വസ്ത്രം അണിയനം. (വി:ഖു: **7:31)** **92. **മതത്തില്‍നിര്‍ബന്ധിക്കുവാന്‍പാടില്ല. (വി:ഖു: **2:256)** **93. **ഒരാല്‍ക് കഴിയാത്തത് അയാളെ നിര്‍ബന്ധിക്കരുത്. (വി:ഖു: **2:286)** **94. **കഷ്ടപ്പാടുകളിലും വിഷമതകളിലും ക്ഷമ കൈക്കൊള്ളണം. (വി:ഖു: **2:286)** **95. **അനാചാരങ്ങള്‍ക്കെതിരെ പോരാടണം. (വി:ഖു: **5:63)** **96. **വര്‍ഗ്ഗീയത അരുത്. (വി:ഖു: **49:13)** **97. **ദൈവത്തോട് മാത്രം പ്രാര്‍ത്ഥിക്കുന്നവര്‍ക്ക് നിര്‍ഭയത്വം നല്കും. (വി:ഖു: **24:55)** **98. **ദൈവം കാരുണ്യവാനാണ്. അവനോട് പാപമോചനം തേടുക. (വി:ഖു: **73:20)** **99. **ദൈവം എല്ലാ പാപങ്ങളും ഒന്നിച്ച് മാപ്പ് ചെയ്യുന്നവനാകുന്നു. (വി:ഖു:** 39:53)** **100. **ദൈവകാരുണ്യത്തെക്കുറിച്ച് നിരാശരാകരുത്. (വി:ഖു: **39:53)**

DENGUE FEVER -VS- PAPAYA LEAF JUICE

It works for sure, I had it after an advice from my cousin. And for a dengue fever this season my platelets dropped to 40,000 and this papaya leaf therapy for 2 days make my platelets counts to shoot up to a normal count of 1,35,000 without any other medication. Thnx for sharing this info n giving an opportunity to share mine too. -Amal On Jul 5, 2012, at 11:48 AM, P Nair wrote: If you do happen to get dengue or chikungunya or you know anyone suffering from it, here is a cure that works within two days. I, Bevinda Collaco couch for it. And so will a number of people. I read it first in the Times of India some years ago, told my brother about it. He used the medicine and was fine in two days. t's simple and easy to do. All you need is two papaya leaves on Day 1 and two papaya leaves on Day 2. Directions: Cut off the stem and the thick veins of light green on the leaves. Use only the dark green leaf portion. Grind it with a tablespoon of water. Squeeze the paste through a muslin cloth or a strainer. Drink the liquid which may be a tablespoon or two of papaya leaf juice. Within 3 hours your platelet count jumps up. Do the same procedure the next day, two papaya leaves, remove stem and veins, grind the green leafy part with a tablespoon of water, strain the juice through a muslin cloth or through a strainer. Drink the juice and that's it. You are cured. Please spread this around. It has saved many from both diseases, dengue and chikungunya. Regards, Bevinda Collaco Editor

improve brain memory

If our brains were computers, we'd simply add a chip to upgrade our memory. The human brain, however, is more complex than even the most advanced machine, so improving our memory isn’t quite so easy. Just as it takes effort to build physical fitness, so too does boosting brain power. Sharp and Strong memory is natural desire of every person. Either you are a student,or professional or an aged person.A strong memory depends on the health and vitality of your brain.it is better to do something about it and try to follow given Tips which will definitely help you to enhance your brain memory. Try to adopt a habit of regular exercise because it increases oxygen to your brain and reduces the risk for disorders that lead to memory loss. Proper sleep of at least 6 to 8 hours is essential for proper functioning of brain cells. Make time for friends and fun because smiling and laughters involve multiple regions across the whole brain and have positive effects on brain cells. Reduce the stress level because it has adverse effect on brain cells. Try to intake food which is essential for proper nourishment and growth of brain cells. Fish oil is also effective for improving memory loss. It contains Omega-3 fatty acids that help your brain and body work better. It is also good for improving the body’s functioning by helping you think better.Omega-3 fatty acids are found in wild-caught, deep sea fish (wild salmon, tuna, mackerel and herring). Other non-fish sources of omega-3 fatty acids include walnuts, ground flax seed, flax seed oil, pumpkin seeds, and soybeans. B Vitamins improve memory by creating a protective shield for the neurons in the brain. B vitamins break down homocysteine, which is an amino acid that is a toxic poison to nerve cells. These vitamins also help in the production of red blood cells, which carry oxygen, an important brain nutrient. The most important B vitamins for memory include B6, B12, and Folic Acid (B9). You can increase the B vitamins in your diet by taking vitamin supplements and by consuming healthy, natural foods such as spinach and other dark, leafy greens; broccoli, asparagus, strawberries, melons, black beans, leeks, and other legumes, citrus fruits such as oranges and grapefruit, and soybeans. Vitamins C, E, and beta carotene are antioxidants and are also important vitamins for memory. Antioxidants protect brain tissue by breaking down free radicals, which are toxic forms of the oxygen molecule naturally found in the bloodstream.These vitamins can be found in naturally occurring foods such as blueberries, strawberries, and other berries; sweet potatoes, red tomatoes, spinach, broccoli, green tea and other types of tea, nuts and seeds, and citrus fruits such as oranges and grapefruits.