"Health Time"  Food As Medicine HEADACHE ? EAT FISH Eat plenty of fish -- fish oil helps prevent headaches. So does ginger, which reduces inflammation and pain. HAY FEVER ? EAT YOGURT Eat lots of yogurt before pollen season. Also-eat honey from your area (local region) daily. TO PREVENT STROKE DRINK TEA Prevent build-up of fatty deposits on artery walls with regular doses of tea. (actually, tea suppresses my appetite and keeps the pounds from invading..Green tea is great for our immune system)! INSOMNIA (CAN'T SLEEP ?) HONEY Use honey as a tranquilizer and sedative. ASTHMA ? EAT ONIONS Eating onions helps ease constriction of bronchial tubes. (when I was young, my mother would make onion packs to place on our chest, helped the respiratory ailments and actually made us breathe better). ARTHRITIS ? EAT FISH, TOO Salmon, tuna, mackerel and sardines actually prevent arthritis. (fish has omega oils, good for our immune system) UPSET STOMACH ?  BANANAS - GINGER Bananas will settle an upset stomach.Ginger will cure morning sickness and nausea. BLADDER INFECTION ? DRINK CRANBERRY JUICE High-acid cranberry juice controls harmful bacteria. BONE PROBLEMS ? EAT PINEAPPLE Bone fractures and osteoporosis can be prevented by the manganese in pineapple. PREMENSTRUAL SYNDROME ? EAT CORNFLAKES Women can ward off the effects of PMS with (alpha-Q@yahoogroups.com) cornflakes, which help reduce depression, anxiety and fatigue. MEMORY PROBLEMS ? EAT OYSTERS Oysters help improve your mental functioning by supplying much-needed zinc. COLDS ? EAT GARLIC Clear up that stuffy head with garlic. (remember, garlic lowers cholesterol, too.) COUGHING ? USE RED PEPPERS A substance similar to that found in the cough syrups is found in hot red pepper. Use red (cayenne) pepper with caution-it can irritate your tummy. BREAST CANCER ?  EAT Wheat, bran and cabbage Helps to maintain estrogens at healthy levels. LUNG CANCER ? EAT DARK GREEN & ORANGE AND VEGGIES A good antidote is beta carotene, a form of Vitamin A found in dark green and orange vegetables. ULCERS ? EAT CABBAGE ALSO Cabbage contains chemicals that help heal both gastric and duodenal ulcers. DIARRHEA ? EAT APPLES Grate an apple with its skin, let it turn brown and eat it to cure this condition. (Bananas are good for this ailment) CLOGGED ARTERIES ? EAT AVOCADO Mono unsaturated fat in avocados lowers cholesterol. HIGH BLOOD PRESSURE ? EAT CELERY AND OLIVE OIL Olive oil has been shown to lower blood pressure.Celery contains a chemical that lowers pressure too. BLOOD SUGAR IMBALANCE ? EAT BROCCOLI AND PEANUTS The chromium in broccoli and peanuts helps regulate insulin and blood sugar. Kiwifruit: But mighty. This is a good source of potassium, magnesium, Vitamin E & fiber. It's Vitamin C content is twice that of an orange. Apple: An apple a day keeps the doctor away? Although an apple has a low Vitamin C content, it has antioxidants & flavonoids which enhances the activity of Vitamin C thereby helping to lower the risks of colon cancer, heart attack & stroke. Strawberry: Protective fruit. Strawberries have the highest total antioxidant power among major fruits &protects the body from cancer causing, blood vessels clogging free radicals. (Actually, any berry is good for you..they're high in anti-oxidants and they actually keep us young. blueberries are the best and very versatile in the health field. they get rid of all the free-radicals that invade our bodies) Orange : Sweetest medicine. Taking 2 - 4 oranges a day may help keep colds away, lower cholesterol, prevent & dissolve kidney stones as well as lessen the risk of colon cancer. Watermelon: Coolest Thirst Quencher. Composed of 92% water, it is also packed with a giant dose of glutathione which helps boost our immune system.  They are also a key source of lycopene - the cancer fighting oxidant. Other nutrients found in watermelon are Vitamin C &Potassium. (watermelon also has natural substances [natural SPF sources] that keep our skin healthy, protecting our skin from those darn SUV rays) Guava &Papaya: Top awards for Vitamin C. They are the clear winners for their high Vitamin C content. Guava is also rich in fiber which helps prevent constipation. Papaya: is rich in carotene, this is good for your eyes. (also good for gas and indigestion) Tomatoes:  are very good as a preventative measure for men, keeps those prostrate problems from invading their bodies.

Palace on Wheels

Ênù±±ÉÒ/VɪÉ{ÉÖ®ú/ÊSÉkÉÉèc÷MÉgø/=nùªÉ{ÉÖ®ú/VÉèºÉ±É¨Éä®ú/VÉÉävÉ{ÉÖ®ú/¦É®úiÉ{ÉÖ®ú/+ÉMÉ®úÉ/Ênù±±ÉÒ Ê´Éʶɹ]õ ´ªÉÊHòªÉÉå Eäò ʱÉB BEò ʴɶÉä¹É ®äú±É MÉÉc÷Ò * BäÊiɽþÉʺÉEò +ÉEò¹ÉÇhÉ EòÉä ºÉÆVÉÉäB ½ÖþB +ÉvÉÖÊxÉEò ºÉÖÊ´ÉvÉÉ+Éå ´ÉɱÉÒ MÉÉc÷Ò * BEò MÉÉè®ú´É{ÉÚhÉÇ ºÉ{iÉɽþ Eäò ʱÉB BEò ¶ÉɽþÒ MÉÉc÷Ò +É{ÉEòÉä ºÉ´ÉÉ®úÒ Eäò ʱÉB +ɨÉÆÊjÉiÉ Eò®úiÉÒ ½èþ * ªÉ½þ MÉÉc÷Ò +É{ÉEòÉä BEò ¶ÉɽþÒ ´ÉÉiÉÉ´É®úhÉ EòÉ +{ÉÚ´ÉÇ +xÉÖ¦É´É Eò®úÉiÉÒ ½èþ * ®úÉVɺlÉÉxÉ EòÒ iÉiEòɱÉÒxÉ ´Éè¦É´É{ÉÚhÉÇ iÉlÉÉ +ÉxÉxnù¨ÉªÉÒ ¶ÉɽþÒ ªÉÉjÉÉ EòÒ ªÉÉnùÉå EòÉä ºÉVÉÒ´É Eò®úiÉÒ ½èþ * {ÉʽþªÉÉå {É®ú ®úÉVɨɽþ±É EòÒ BäºÉÒ ºÉÆ®úSÉxÉÉ (¤ÉxÉÉ´É]õ) EòÒ MÉ<Ç ½èþ ÊEò =ºÉ¨Éå +ÉvÉÖÊxÉEò +ɴɶªÉEòiÉÉ+Éå ºÉʽþiÉ ´ÉÉiÉÉxÉÖEÚò±ÉxÉ, SÉÉ®ú SÉèxÉ±É ´ÉɱÉä MÉÒiÉ, MÉÉc÷Ò Eäò +xnù®ú +xiÉ:-ºÉ¨¤Érù ]äõ±ÉÒ¡òÉäxÉ |ÉhÉɱÉÒ EòÒ ´ªÉ´ÉºlÉÉ, |ÉiªÉäEò ºÉ´ÉÉ®úÒ Êb÷¤¤Éä ¨Éå BEò +±ÉMÉ ®úºÉÉä<ÇPÉ®ú +Éè®ú ʴɸÉÉ¨É EòIÉ, iÉlÉÉ {ÉÚhÉÇ-BEòÉxiÉ |ÉnùÉxÉ Eò®úxÉä ´ÉɱÉä +É®úɨÉnùɪÉEò nùÉä ¶ÉÉʪÉEòÉ ´ÉɱÉä EÚò{Éä EòÒ ¦ÉÒ ´ªÉ´ÉºlÉÉ ½èþ * <ºÉEäò +ÊiÉÊ®úHò ¶ÉªÉxÉEòIÉ Eäò ºÉÉlÉ ±ÉMÉä ½ÖþB ºxÉÉxÉ PÉ®ú, nùÉä ʴɶÉä¹É ºxÉÉxÉ PÉ®ú, nùÉä ʴɶÉä¹É VɱÉ{ÉÉxÉ MÉÞ½þ ÊVÉxÉEäò xÉÉ¨É ½èþ ¨É½þÉ®úÉVÉÉ +Éè®ú ¨É½þÉ®úÉxÉÒ, ÊVÉxɨÉå +ÉEò¹ÉÇEò ¦ÉÉ®úiÉÒªÉ, Ê´Énäù¶ÉÒ +Éè®ú ®úÉVɺlÉÉxÉÒ ´ªÉxVÉxÉÉå uùÉ®úÉ ¨Éä½þ¨ÉÉxÉÉå EòÒ ºÉä´ÉÉ EòÒ VÉÉiÉÒ ½èþ * <ºÉ MÉÉc÷Ò ¨Éå BEò ¨ÉvÉÖ¶ÉɱÉÉ ¦ÉÒ ½èþ ÊVɺɨÉå ºÉ¦ÉÒ |ÉEòÉ®ú Eäò {ÉäªÉ ={ɱɤvÉ ½éþ * <ºÉEäò ºÉÉlÉ-ºÉÉlÉ {ÉgøxÉä iÉlÉÉ +É®úÉ¨É Eò®úxÉä Eäò ʱÉB +±ÉMÉ ºÉ´ÉÉ®úÒ Êb÷¤¤Éä ¦ÉÒ ½éþ * ªÉÉjÉÉ EòɪÉÇGò¨É Ênù´ÉºÉ BEò ¤ÉÖvÉ´ÉÉ®ú : Ênù±±ÉÒ 18:30 º´ÉÉMÉiÉ 19:30 ®úÉÊjÉ ¦ÉÉäVÉxÉ MÉÉc÷Ò ¨Éå 22:45 Ênù±±ÉÒ Eéò]õ ºÉä VɪÉ{ÉÖ®ú Eäò ʱÉB |ɺlÉÉxÉ Ênù´ÉºÉ nùÉä ¤ÉÞ½þº{ÉÊiÉ´ÉÉ®ú : VɪÉ{ÉÖ®ú xÉɶiÉÉ MÉÉc÷Ò ¨Éå 08:30 +ÉMɨÉxÉ VɪÉ{ÉÖ®ú 08:15 ½þ´ÉÉ ¨É½þ±É ½þÉäiÉä ½ÖþB +¨¤Éä®ú {Éè±ÉäºÉ Eäò ʱÉB |ɺlÉÉxÉ * <ºÉ¨Éå ½þÉlÉÒ {É®ú ºÉ´ÉÉ®úÒ ¦ÉÒ ¶ÉÉÊ¨É±É ½èþ * 12:30 ®úÉVɺlÉÉxÉ ºÉ®úEòÉ®ú Eäò OÉɨÉÉätÉäMÉ B¨{ÉÉäÊ®úªÉ¨É ¨Éå JÉ®úÒnùÉ®úÒ * 13:30 ®úÉ¨É ¤ÉÉMÉ {Éè±ÉäºÉ ½þÉä]õ±É ¨Éå nùÉä{ɽþ®ú EòÉ ¦ÉÉäVÉxÉ * 14:30 ʺÉ]õÒ {Éè±ÉäºÉ +Éè®ú VÉÆiÉ®ú-¨ÉÆiÉ®ú Eäò nù¶ÉÇxÉ 17:30 MÉÉc÷Ò ¨Éå ´ÉÉ{ɺÉÒ iÉlÉÉ ºÉɪÉÆEòɱÉÒxÉ SÉÉªÉ 18:00 xÉɽþ®úMÉgø ÊEò±Éä ¨Éå ®úÉÊjÉ ¦ÉÉäVÉxÉ iÉlÉÉ ºÉÉƺEÞòiÉ EòɪÉÇGò¨É Eäò ʱÉB |ɺlÉÉxÉ 21:00 ®äú±É´Éä º]äõ¶ÉxÉ Eäò ʱÉB |ɺlÉÉxÉ 21:45 ®äú±É´Éä º]äõ¶ÉxÉ {É®ú +ÉMɨÉxÉ 22:10 ÊSÉkÉÉèc÷MÉgø Eäò ʱÉB |ɺlÉÉxÉ Ênù´ÉºÉ iÉÒxÉ ¶ÉÖGò´ÉÉ®ú : ÊSÉkÉÉèc÷MÉgø/=nùªÉ{ÉÖ®ú 07:30 +ÉMɨÉxÉ ÊSÉkÉÉèc÷MÉgø * MÉÉc÷Ò ¨Éå xÉɶiÉÉ 08:00 ÊSÉkÉÉäb÷MÉgø ÊEò±Éä Eäò ʱÉB |ɺlÉÉxÉ 09:30 EòÉäSÉ uùÉ®úÉ =nùªÉ{ÉÖ®ú Eäò ʱÉB |ɺlÉÉxÉ 11:30 xÉÉMÉnùÉ ¨ÉÆÊnù®ú Eäò nù¶ÉÇxÉ 13:00 ±ÉäEò {Éè±ÉäºÉ ½þÉä]õ±É ¨Éå nùÉä{ɽþ®ú EòÉ ¦ÉÉäVÉxÉ 14:00 ʺÉ]õÒ {Éè±ÉäºÉ +Éè®ú GòÉ<º]õ±É MÉè±É®úÒ Eäò nù¶ÉÇxÉ 16:00 |ÉiÉÉ{É º¨ÉÉ®úEò (¨ÉÉäiÉÒ xÉMÉ®úÒ) ¨Éå ¶ÉÉ¨É EòÒ SÉÉªÉ 16:45 EòÉäSÉ uùÉ®úÉ ÊSÉkÉÉèc÷MÉgø Eäò ʱÉB |ɺlÉÉxÉ 19:30 MÉÉc÷Ò ¨Éå ®úÉÊjÉ EòÉ ¦ÉÉäVÉxÉ 22:00 ºÉ´ÉÉ<Ç ¨ÉÉvÉÉä{ÉÖ®ú Eäò ʱÉB |ɺlÉÉxÉ Ênù´ÉºÉ SÉÉ®ú ¶ÉÊxÉ´ÉÉ®ú : ºÉ´ÉÉ<Ç ¨ÉÉvÉÉä{ÉÖ®ú 06:30 ºÉ´ÉÉ<Ç ¨ÉÉvÉÉä{ÉÖ®ú +ÉMɨÉxÉ 07:30 ZÉڨɮú ¤ÉÉ´Éc÷Ò ÊEò±Éä ¨Éå ºÉ֤ɽþ EòÉ xÉɶiÉÉ 08:00 +ÉJÉä]õ ´ÉÉÊ]õEòÉ Eäò ʱÉB |ɺlÉÉxÉ 12:00 MÉÉc÷Ò ¨Éå ´ÉÉ{ɺÉÒ iÉlÉÉ VÉèºÉ±É¨Éä®ú Eäò ʱÉB |ɺlÉÉxÉ (nùÉä{ɽþ®ú iÉlÉÉ ®úÉÊjÉ EòÉ ¦ÉÉäVÉxÉ MÉÉc÷Ò ¨Éå) Ênù´ÉºÉ {ÉÉÆSÉ ®úÊ´É´ÉÉ®ú : VÉèºÉ±É¨Éä®ú MÉÉc÷Ò ¨Éå xÉɶiÉÉ 10:00 +ÉMɨÉxÉ VÉèºÉ±É¨Éä®ú 10:15 ÊEò±ÉÉ +Éè®ú ½þ´ÉäʱɪÉÉå EòÒ ºÉè®ú Eäò ʱÉB |ɺlÉÉxÉ 14:00 MÉÉä¤ÉxvÉ {Éè±ÉäºÉ ¨Éå nùÉä{ɽþ®ú EòÉ ¦ÉÉäVÉxÉ 17:00 ºÉ¨É (®äúiÉ Eäò ]õÒ±Éä) Eäò ʱÉB |ɺlÉÉxÉ * ´É½þÒ {É®ú >Æð]õ EòÒ ºÉ´ÉÉ®úÒ iÉlÉÉ ¶ÉÉ¨É EòÒ SÉÉªÉ * 18:30 MÉÉc÷Ò Eäò ʱÉB ´ÉÉ{ɺÉÒ 22:15 ®úÉÊjÉ ¦ÉÉäVÉxÉ Eäò ʱÉB ¨ÉÚ¨É±É {ɪÉÇ]õEò ¤ÉÆMɱÉÉ Eäò ʱÉB |ɺlÉÉxÉ 22:40 MÉÉc÷Ò EòÉ VÉÉävÉ{ÉÖ®ú Eäò ʱÉB |ɺlÉÉxÉ Ênù´ÉºÉ Uô½þ ºÉÉä¨É´ÉÉ®ú : VÉÉävÉ{ÉÖ®ú MÉÉc÷Ò ¨Éå xÉɶiÉÉ 09:00 +ÉMɨÉxÉ VÉÉävÉ{ÉÖ®ú 09:15 EòÉäSÉ uùÉ®úÉ ¨Éä½þ®úÉxÉMÉgø ÊEò±Éä +Éè®ú VɺɴÉxiÉ lÉcä÷ Eäò ʱÉB |ɺlÉÉxÉ 11:45 nùÉä{ɽþ®ú EòÉ ¦ÉÉäVÉxÉ =¨Éänù ¦É´ÉxÉ ÊEò±Éä ¨Éå (´É½þÒ ºÉä) 15:40 VÉÉävÉ{ÉÖ®ú ®äú±É´Éä º]äõ¶ÉxÉ {É®ú +ÉMɨÉxÉ iÉlÉÉ ¶ÉÉ¨É EòÒ SÉÉªÉ +Éè®ú ®úÉiÉ EòÉ ¦ÉÉäVÉxÉ MÉÉc÷Ò ¨Éå * Ênù´ÉºÉ ºÉÉiÉ ¨ÉÆMɱɴÉÉ®ú : ¦É®úiÉ{ÉÖ®ú - +ÉMÉ®úÉ 07:15 ¦É®úiÉ{ÉÖ®ú +ÉMɨÉxÉ 07:30 {ÉIÉÒ Ê´É½þÉ®ú ªÉÉ ¨ÉÞMÉ ´ÉxÉ Eäò ʱÉB |ɺlÉÉxÉ 09:30 ºÉÉ®úºÉ ½þÉä]õ±É ¨Éå xÉɶiÉÉ Eäò ʱÉB |ɺlÉÉxÉ 10:00 EòÉäSÉ uùÉ®úÉ ¡òiÉä½þ{ÉÖ®ú-ºÉÒEò®úÒ iÉlÉÉ +ÉMÉ®úÉ Eäò ʱÉB |ɺlÉÉxÉ 13:00 ¨ÉÖMÉ±É ¶Éä®úÉ]õxÉ ½þÉä]õ±É ¨Éå nùÉä{ɽþ®ú EòÉ ¦ÉÉäVÉxÉ 15:00 iÉÉVɨɽþ±É iÉlÉÉ ÊEò±Éä Eäò ʱÉB |ɺlÉÉxÉ 17:00 JÉɱÉÒ ºÉ¨ÉªÉ 18:00 MÉÉc÷Ò ¨Éå ®úÉÊjÉ ¦ÉÉäVÉxÉ 20:00 Ênù±±ÉÒ Eéò]õ Eäò ʱÉB |ɺlÉÉxÉ Ênù´ÉºÉ +É`ö ¤ÉÖvÉ´ÉÉ®ú : Ênù±±ÉÒ Eéò]õ MÉÉc÷Ò ¨Éå xÉɶiÉÉ 07.30 Ênù±±ÉÒ Eéò]õ ®äú±É´Éä º]äõ¶ÉxÉ {É®ú +ÉMɨÉxÉ Fare Chart +C]Úõ¤É®ú, ºÉä  ¨ÉÉSÉÇ, |ÉÊiÉ ´ªÉÊHò |ÉÊiÉ ®úÉÊjÉ BEò ´ªÉÊHò Eäò ʱÉB +¨ÉäÊ®úEòÒ b÷ɱɮú 485 nùÉä ´ªÉÊHòªÉÉå Eäò ʱÉB +¨ÉäÊ®úEòÒ b÷ɱɮú 350 iÉÒxÉ ´ªÉÊHòªÉÉå Eäò ʱÉB +¨ÉäÊ®úEòÒ b÷ɱɮú 285 ʺÉiɨ¤É®ú, +Éè®ú +|Éè±É, |ÉÊiÉ ´ªÉÊHò |ÉÊiÉ ®úÉÊjÉ BEò ´ªÉÊHò Eäò ʱÉB +¨ÉäÊ®úEòÒ b÷ɱɮú 395 nùÉä ´ªÉÊHòªÉÉå Eäò ʱÉB +¨ÉäÊ®úEòÒ b÷ɱɮú 295 iÉÒxÉ ´ªÉÊHòªÉÉå Eäò ʱÉB +¨ÉäÊ®úEòÒ b÷ɱɮú 240

5 +Éè®ú 12 ´É¹ÉÇ Eäò ¤ÉÒSÉ Eäò ¤ÉSSÉÉå Eäò ʱÉB +ÉvÉÉ ÊEò®úɪÉÉ

Ê]õEò]åõ BCºÉSÉåVÉ nù®ú {É®ú ¦ÉÉ®úiÉÒªÉ °ü{ɪÉÉå ¨Éå ¦ÉÒ ={ɱɤvÉ ½éþ *   

PPF AT A SNAPSHOT:

WHO CAN INVEST :	Individuals
MINIMUM INVESTMENT :	500 Rs.
MAXIMUM INVESTMENT :	100000 Rs.
INTEREST :	8.8% compounded annually
MATURITY :	15 YEARS
PREMATURE WITHDRAWL:	AFTER 4 YEARS
TAX BENEFITS:	SEC.88

Public Provident Fund:

A PPF is a long-term savings plan with attractive tax benefits. Interest is given at the rate 8.8 % per annum. It is suitable for those who are not looking for short-term liquidity or regular income. Normal maturity period is 15 years from the close of the financial year in which the initial subscription was made. The Maturity values for PPF account would depend on what we invest each year .To illustrate, look at the following table:

• Who should invest:

PPF is mainly suitable for long-term saving and for availing of tax incentives. The lump-sum amount that you receive on maturity (at the end of 15 years) is completely tax-free. PPF does not provide any avenues for regular income. It provides for accumulation of interest income over a 15-year period, and the lump-sum amount (principal + interest) is payable on maturity. However the interest amount would depend upon the prevailing rate of interest on your PPF at any given time. These rates are notified by the GOI in the Official Gazette from time to time, and are calculated in such manner as is specified in the scheme.

• Minimum Investments:

The minimum investment in a PPF account is Rs 500 per annum for each year of the Scheme. The maximum prescribed contribution is Rs 1, 00,000 per annum. The highlight of the scheme is that you can vary your investments between Rs 100 and Rs 70,000 every year in multiples of Rs 5. The maximum number of installments in a year is 12. No fixed investment in required. A PPF Account passbook is issued to the depositor by the bank where the account is held, which can be updated from time to time.

• MATURITY:

The duration of a PPF account is 15 years, i.e., 15 complete financial years. If a person opens a PPF account on March 3, 2004, the account will mature on April 1, 2021. Even after the expiry of 15 years, the PPF Account can be extended for duration of five years at a time.

• PREMATURE WITHDRAWL:

Loans can be availed of from the 7^th Years onward. Amount of such loans will not exceed 50 % of the amount that stood to your credit at the end of the third year immediately proceeding the year in which the loan is applied for. You will continue to earn interest at the specified rate on your balance in the PPF Account after availing of the loan facility. However, only one withdrawal is allowed per year.

• LOAN FACILITY:

Loans can be availed of from the third to sixth year. Amount of such loans will not exceed 25 per cent of the amount that stood to your credit at the end of the second year immediately preceding the year in which the loan is applied for. You will continue to earn interest at the specified rate on your balance in the PPF Account after availing of the loan facility.

• DISCONTINUATION OF PPF ACCOUNT :

If you stop subscriptions to your PPF account, your account will be treated as discontinued. But it cannot be closed prematurely. It will be closed only at maturity, till which time it will continue to earn interest. However, you cannot take loans or make withdrawals from a discontinued PPF account.

• TAX IMPLICATIONS:

Besides long-term savings, the most attractive feature of PPF is the tax incentives it offers. The interest income earned in PPF and the lump-sum amount received on maturity or premature withdrawal is completely tax-free as per the provisions of the Income Tax Act, 1961. The scheme also offers tax benefits under Section 88 of the Income Tax Act, 1961 as indicated below:

Gross Total Income (Rs.)	Rebate
0 - 150,000	15%
150,001 - 500,000	20%
500,001 & Above	Nil

Rebate is calculated @ 30 per cent if your gross annual salary is upto Rs 1, 00,000. This also helps to reduce the actual amount invested over a 15-year period. You can also open an account in the name of your spouse or children including married daughters and claim the tax rebate if the contribution is made out of your personal taxable income.

Improve the quality of your life

 

- 10 Guidelines -

10 Guidelines for Improving the Quality of your Life

01. YOU WILL RECEIVE A BODY... You  may like it or hate it, but it will be yours for the entire period you're  around. 

02. YOU WILL LEARN LESSONS... You  are enrolled in a full-time informal school called life. Each day in this school  you will have the opportunity to learn lessons. You may like the lessons or  think them irrelevant and stupid. 

03. THERE ARE NO MISTAKES, ONLY LESSONS... Growth is a process of trial and error, experimentation. The  "Failed" experiments are as much a part of the process as the experiment that  ultimately "works". 

04. A LESSON IS REPEATED UNTIL LEARNED... A  lesson will be presented to you in various forms until you have learned it. When  you have learned it, you can then go on to the next lesson.  

05. LEARNING LESSONS DOES NOT END... There is no part of life that does not contain its lessons. If you  are alive, there are lessons to be learned. 

06. "THERE" IS NO BETTER THAN "HERE"... When  your "There" has become a "Here", you will simply obtain another "There" that  will, again, look better than "Here". 

07. OTHERS ARE MERELY MIRRORS OF YOU... You  cannot love or hate something about another person unless it reflects to you  something you love or hate about yourself. 

08. WHAT YOU MAKE OF YOUR LIFE IS UP TO YOU...  You have all the tools and resources you need. What you  do with them is up to you. The choice is yours. 

09. YOUR ANSWERS LIE INSIDE YOU... The  answers to life's questions lie inside you. All you need to do is look, listen  and trust. 

10. YOU WILL FORGET ALL THIS... Unless you  consistently stay focused on the goals you have set for yourself, everything  you've just read won't mean any thing.

BIRTHDAYS: (Look below for your characteristics) 

Jan 01-09, Apr 01-03, Jun 15-20, Jul 10-15, Sep 28-30, Dec 01-16        Dog 

Jan 10-24, Mar 16-23, Apr 15-26, Jun 01-03, Jul 01-09, Aug 16-25        Mouse 

Jan 25-31, Mar 13-15, May 22-31, Nov 01 -16                                             Lion

Feb 01-05, Mar 24-31, Jun 25-30, Jul 27-31, Sep 15-27, Nov 17-30       Cat

Feb 06-14, May 14-21, Jul 16-26, Sep 01-14, Dec 26-31                           Dove 

Feb 15-21, Apr 27-30, Jun 04-14, Aug 26-31, Oct 16-27                           Turtle

Feb 22-28, Apr 04-14, Oct 28-31                                                                     Panther 

Mar 01-12, May 01-13, Jun 21 -24, Aug 01-15, Oct 01-15, Dec 17-25      Monkey 

If u are a Dog

You are a very loyal and sweet person. Your loyalty can never be doubted. You are quite honest and sincere when it comes to your 

attitude towards working. You are a very simple 

person, indeed, 

absolutely hassle free, humble and down to earth!! 

That explains the 

reason why your friends cling on to you! You have a 

good taste for 

clothes. If your wardrobe is not updated with what is 

trendy, you 

sure are depressed .you are popular and easy going. You have a little group of dignified friends, all of them being quality personified.

If you are a Mouse

Always up to some sort of a mischief! The mischievous gleam in your eyes what makes you so cute and attractive to everyone. You are an 

extremely fun to be with kind of person. No wonder, 

people seek for 

your company and look forward to include you for all 

get together 

however, you are sensitive, which is a drawback. 

People need to select 

their words while talking t! o you. If someone tries 

to fiddle around 

and play with words while dealing with you, it is 

enough to invite 

your wrath. God bless the person then! 

If you are a Lion 

Quite contradictory to your name, you are a peace loving person. You best try to avoid a situation wherein you are required to fight. An 

outdoor person, you dislike sitting at one place for a 

long duration. 

You are a born leader, and have it in you how to 

tactfully derive work 

from people. You love being loved, and when you 

receive your share of 

limelight from someone, you are all his or hers!!! 

Well, well hence 

some people could even take advantage, flatter you to 

the maximum, and 

get their work done. So, be careful! 

If u are a Cat

You are an extremely lovable, adorable person, sometimes shy, with a passion for quick wit. At times you prefer quietness. You love 

exploring various things and going into depth of each 

thing. Under 

normal circumstances, you are cool, when given a 

reason to; you are 

like a volcano waiting to erupt. You're a fashion 

bird. People look

forward to you as an icon associated with fashion. You 

mingle along 

freely but don't like talking much to strangers. 

People feel very easy 

in your company. You observe care in choosing your 

friends.

If you are a turtle

You are near to perfect and nice to heart. The examples of your kindness are always circulated in groups of people. You too love 

peace. You wouldn't like to retaliate even to a 

person who is in the 

wrong. You are loved due to this. You do not wish to 

talk behind ones 

back. People love the way you always treat them. You 

can give, give, 

and give love, and the best part is that you do not 

expect it back in 

return. You are generous enough. Seeing things in a 

practical light is 

what the best trait of you guys remains.

If you are a dove 

You symbolize a very happy go lucky approach in life. What ever the surroundings may be, grim or cheerful, you remain unaffected. In fact 

you spread cheer wherever you go. You are the leader 

of your group of 

friends and good at consoling people in their times of 

need. You 

dislike hypocrisy and tend to shirk away from 

hypocrites. They can 

never be in your good books, no matter what. You are 

methodical and 

organized in your work. No amount of mess hence can 

ever encompass 

you. Beware; it is easy for you to fall in love. 

If you are a panther 

You are a mysterious. You are someone who can handle pressure with ease, and can handle any atmosphere without going berserk. You can be 

mean at times and love to gossip with your selected 

group. You are 

very prim and proper. You like all situations and 

things to be in the 

way you desire, which, sometimes is not possible. As a 

result, you may 

lose out in some relationships. But other wise, you 

love to help 

people out from difficult and tight spots when they 

really need you.

If you are a monkey 

Very impatient and hyper!!! You want things to be done as quickly as possible. At heart, you are quite simple and love if you are the 

center of attraction. That way, you people are unique. 

You would like 

to keep yourself safe from all the angles. Should your 

name be dragged 

or featured in any sort of controversy. You then go 

all panicky. 

Therefore, you take your precautions from the very 

beginning. When you 

foresee anything wrong, your sixth sense is what saves 

you from 

falling in traps. Quite a money minded bunch you 

people are.