!! Do it Anyway !!

I read this article at http://www.beliefnet.com/Inspiration/2009/03/Better-Days-Ahead.aspx?source=NEWSLETTER and found it quite a learning. Hence have put it here for future.

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"Do you like doing things for people?" I asked a friend.

"Yes, most of the time," she replied.

"Most of the time?"

"Well, I love to do things that are unexpected. I like to do little things most people wouldn't think about doing," she said.

"But why did you say most of the time?"

"Well, sometimes after doing those little things people take advantage of you. I mean, they expect you to do it again. They ask you to do it. That's when I don't like it."

It was odd that I had this conversation. This just happened to me. I too love to do little things. I will pay for a meal card for the people in the office every time we have a meeting there. Not a big thing. It's a little thing. $5.30 will pay for almost five lunches. Hey, big spender!

But it's not the amount, it's the idea, the fact that I did something.

I also ran out a few weeks ago and bought a bag of animal crackers for a friend at work. She was having a tough day and not very happy at all. I drove down to the Wal-Mart and picked up a huge bag for under $2.00. Her smile was worth it.

But this week she said, "Bob, we ran out of crackers. We love them so much." I didn't want to do it. I smiled and she persisted. I finally admitted, "It's different when I do it because I want to, but now you are trying to make me go get them. It's not the same."

So that voice inside of me struggled with it. I tried and won out over that feeling and stayed right there in the office a while longer so as to avoid caving in. That is until I overheard her talking. The boss was having "one of those days" and unfairly chose her to point the finger at her in front of everyone. She was almost in tears when I heard her sharing the moment with a coworker. I had to go.

It’s about five miles to the store from there. I had to park at the extreme lower end of the lot. It was bitter cold—in the single digits on Tuesday. But when I got out of my car I stepped into summer. How?

Seagulls. Yes, there were three or four gulls flying above me. I heard one cry out as it glided on the cold, brisk air above. I immediately closed my eyes and I was transported from a strip mall parking lot to the seashore at Wildwood, New Jersey. I pictured in my mind that I was walking along the boardwalk, and the birds provided the perfect background sounds. "Ahhhhhh, summer!"

I hurried to the cookie aisle and found what I was looking for. Rushing out to the register, I walked through the bakery and stopped dead in my tracks.

"I'll get some bread to feed the gulls. Just like Wildwood!" I rushed out the door and walked down to the other end of the lot.

A bird flew over and I motioned that I had food. It hovered above waiting patiently for the treat. I ripped open the bag and threw a slice in the air. He grabbed it just like they always do. I looked around for the other three birds and...out of nowhere...without exaggerating...at least thirty gulls came to see what I had.

"Screeeechhhh...Caaaaaawwwwww!" They crashed into each other as they dive bombed me. I was overpowered by the number and finally dumped the entire loaf on the ground and ran to my car. I was laughing and so full of excitement. The tip of my nose was frozen and the tears of joy running down my face burned against my dry, cold skin. "Summer! I love it!"

So what 's my point here? Every time you do little things, big things happen.

Upon my return I expected her to be thrilled that I went out of my way. She hardly acknowledged me. I shrugged it off and left. I did what I thought in my heart was the right thing to do.

She got the cookies. Me? I got to feed seagulls at the Jersey shore in early March, and I got a glimpse of better days ahead.

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Rose

Here is a sweet poem about two lovers. When I read it the first time, it really brought tears to my eyes. And since then, I have kept it close to my heart. The best part of this poem is that it brings out the power of love and proves how eternal it is.

Red roses were her favorites, her name was also Rose.

And every year her husband sent them, tied with pretty bows.

The year he died, the roses were delivered to her door.

The card said, "Be my Valentine", like all the years before.

Each year he sent her roses, and the note would always say,

"I love you even more this year, than last year on this day.

My love for you will always grow, with every passing year.

"She knew this was the last time that the roses would appear.

She thought, he ordered roses in advance before this day.

Her loving husband did not know, that he would pass away.

He always liked to do things early, way before the time.

Then, if he got too busy, everything would work out fine.

She trimmed the stems, and placed them in a very special vase.

Then, sat the vase beside the portrait of his smiling face.

She would sit for hours, in her husband's favorite chair.

While staring at his picture, and the roses sitting there.

A year went by, and it was hard to live without her mate.

With loneliness and solitude, that had become her fate.

Then, the very hour, as on Valentines before,

The doorbell rang, and there were roses, sitting by her door.

She brought the roses in, and then just looked at them in shock.

Then, went to get the telephone, to call the florist shop.

The owner answered, and she asked him, if he would explain,

Why would someone do this to her, causing her such pain?

"I know your husband passed away, more than a year ago,

"The owner said, "I knew you'd call, and you would want to know.

The flowers you received today, were paid for in advance.

Your husband always planned ahead, he left nothing to chance.

There is a standing order, that I have on file down here,

And he has paid, well in advance, you'll get them every year.

There also is another thing, that I think you should know,

He wrote a special little card... he did this years ago.

Then, should ever I find out that he's no longer here,

That's the card...that should be sent, to you the following year."

She thanked him and hung up, her tears now flowing hard.

Her fingers shaking, as she slowly reached to get the card.

Inside the card she saw that he had written her a note.

Then, as she stared in total silence, this is what he wrote...

"Hello my love, I know it's been a year since I've been gone,

I hope it hasn't been too hard for you to overcome.

I know it must be lonely, and the pain is very real.

For if it was the other way, I know how I would feel.

The love we shared made everything so beautiful in life.

I loved you more than words can say, you were the perfect wife.

You were my friend and lover, you fulfilled my every need.
I know it's only been a year, but please try not to grieve.

I want you to be happy, even when you shed your tears.

That is why the roses will be sent to you for years.

When you get these roses, think of all the happiness,

That we had together, and how both of us were blessed.

I have always loved you and I know I always will.

But, my love, you must go on, you have some living still.

Please...try to find happiness, while living out your days.

I know it is not easy, but I hope you find some ways.

The roses will come every year, and they will only stop,

When your door's not answered, when the florist stops to knock.

He will come five times that day, in case you have gone out.

But after his last visit, he will know without a doubt,

To take the roses to the place, where I've instructed him,

And place the roses where we are, together once again."

These lines are dedicated to someone very special in my life. I would wish this person lives happily ever in life.
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They said it: Love is about giving ... giving happiness and care ... giving love, there is no question of asking love in return.

Love is not a business.

Its not whether you win or lose, but how you play the game, that counts!

Work like you don't need the money.

Dance like no one is watching, and love like you have never been hurt.

When we walk to the edge of all the light we have and take the step into the darkness of the unknown, we must believe that one of two things will happen.

There will be something solid for us to stand on or we will be taught to fly.
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Tax benefits from Health Insurance

Health, though important, is by far the most neglected aspect when it comes to health expenses. Notwithstanding the rising medical expenses - thanks
to the hectic lifestyle - not many people in the country today have adequate insurance covers.

While the public may not be concerned, government ensures that citizens protect themselves and their dear ones with adequate medical cover by giving tax breaks on expenses incurred for getting health insured.

HEALTH INSURANCE

Premium paid up to Rs 15,000 on a medical insurance policy is exempted from tax under section 80D of the Income Tax Act. A tax-payer paying premium toward insurance cover of dependant parents shall be entitled to an additional tax benefit of up to Rs 15,000.

If the parents are senior citizens, then this limit gets enhanced to Rs 20,000. Thus, the maximum tax benefit that a taxpayer can now avail by insuring the health of his/her entire family (including dependant parents) is Rs 30,000 or Rs 35,000 as the case may be.

MEDICAL EXPENSES

Salaried employees are eligible for taxfree medical reimbursement from their employer up to a maximum of Rs 15,000 per annum. If the tax-payer incurs expenses (up to Rs 50,000)for medical treatment (including nursing, training and rehabilitation ) of a disabled dependant, the same shall be reduced from the taxable income per annum under section 80DD. Where however, the dependant suffers from severe disability, the amount of deduction shall be Rs 75,000 per annum.

Disability, for the purpose of this section includes autism, cerebral palsy and also mental retardation.

Any amount spent on the medical treatment of a dependant suffering from diseases like cancer, AIDS, Parkinson’s disease, chronic renal failure, Thalassaemia etc. can be claimed as a deduction from the taxable income up to a maximum of Rs 40,000 under section 80DDB of the Income Tax Act. In case the dependant is a senior citizen, the amount of deduction shall get enhanced to Rs 60,000 per annum.

LIFE INSURANCE

Any amount paid as a premium to cover the life of the tax-payer , his/her spouse or children shall be eligible for deduction from the total taxable income under section 80C of the Income Tax Act, up to a maximum of Rs 1 lakh per annum.

It is however important to note that this deduction is applicable provided the amount of premium paid does not exceed 20% of the sum assured by the insurance policy. (Sum assured is the amount ought to be received by the policy-holder from the insurance company after completion of the policy term. This term is usually referred to in case of endowment and money-back plans.)

Lessons from management

Short Selling and Short Squeeze

At any given point, only a certain amount of a publicly traded company’s stock is floating freely in the market. The rest is held in various portfolios, funds, and investment vehicles. Now, everyone’s familiar with the basic idea behind the stock market: you buy stock when it costs little, and you sell it when it costs a lot, profiting on the difference.

But that assumes a company’s value is going to increase. What if, instead of betting a company will go up, you want to make money betting the company will go down? You can — by selling stock you don’t own.

Say you borrow a certain amount of stock from someone who already owns it. You pay a fixed fee for borrowing the stock, and you sign a contract saying you will return exactly the same amount of stock you took after some amount of time. So, you might borrow a thousand shares of Apple stock from me (I don’t actually own any, but play along), pay me $100 for the privilege, and sign an obligation to return my stock in 3 months. At the time, Apple stock is worth $10 per share.

After you borrow the stock, you immediately sell it. At $10 a share, you get $10,000. Two and a half months later, another rumor about Steve Jobs’ health sends AAPL crashing to only $6 per share for a few hours, so you buy a thousand shares, costing you $6,000. You give me back those shares. Because you successfully bet the company would go down in value, you earned $4,000 minus the borrowing fee. This is called short-selling or shorting the stock, and the downside is obvious: if your bet was wrong, you would have lost money buying back the shares that you have to return to your lender.

When Volkswagen’s share price exceeded the point where it made sense for Porsche to buy the company, a number of hedge funds realized that Volkswagen shares have nowhere to go but down. With Porsche out of the picture, there was simply no reason for VW to keep going up, and the funds were willing to bet on it. So they shorted huge amounts of VW stock, borrowing it from existing owners and selling it into circulation, waiting for the price drop they considered inevitable.

Porsche anticipated exactly this situation and promptly bought up much of these borrowed VW shares that the funds were selling. Do you see where this is going? Analysts did. According to The Economist, Adam Jonas from Morgan Stanley warned clients not to play “billionaire’s poker” against Porsche. Porsche denied any foul play, saying it wasn’t doing anything unusual.

But then, last October 26th, they stepped forward and bared their portfolio: through a combination of stock and options, they owned 75% of Volkswagen, which is almost all the company’s circulating stock. (The remainder is tied up in funds that cannot easily release it.)

To put it mildly, the numbers scared the living hell out of the hedge funds: if they didn’t immediately buy back the Volkswagen stock they were shorting, there might not be any left to buy later, and it isn’t their stock — they have to return it to someone. If their only option is thus to buy the VW stock from Porsche, then the miracle of supply and demand will hit again, and Porsche can ask for whatever price it wants per VW share — twenty times their value, a hundred times their value — because there’s no other place to buy. They’re the only game in town.

And that, my friends, is called a short squeeze.

Variable Change - Interesting concept I learn

While watching movie '21', there was a puzzle which made me think for a while before accepting what was told in the movie. Then one day, I went on internet and searched about the concept of Variable Change. To my surprise, many other viewers had come to internet to find answer to that puzzle discussed in the movie.

It was about a game show where a player is shown three doors behind one of which is the precious gift which the player can win if he correctly tells which door is it.

After little search on net, I found this link on internet useful in understanding the puzzle.

http://en.wikipedia.org/wiki/Monty_Hall_problem

Sometimes, movies just dont stop at entertaining our lives, they do give us other learnings which we otherwise would never come across :)

Cheers,
Sachin