ಫಾದರ್
Toking
Last
Weare truly grateful for youroverwhelming support andresponse.
VIP TICKETS are now officially SOLDOUT, with all exclusive offers
claimed. But worry not, while those offers have expired, there is still a Golden Opportunity to secure your place at this concert. That's right-It'stimetograbyourGoldorSilverTicketsbeforetheyvanish into thin air. Secure your spot now and be a part of this concert. Hurry, before it's too late! #GetYourTicketsNow. #ThankYouForTheSupport #NihalTauroLiveInShirva #ShirvaConcert2024
Bio of Ambassador (Retd)
Pascal Alan NazarethHolding a Master’s Degree in Economics from Madras University, Mr Nazareth was selected for the Indian Foreign Service in May 1959 and has servedin India’s diplomatic missions in Tokyo, Rangoon, Lima, London,ChicagoandNewYorkand asIndia’sHighCommissionerto
GhanaandAmbassadortoEgypt& Mexico with concurrent accreditations to Liberia, Togo, Haute Volta, Guatemala, & El Salvador.
Mr. Nazareth was Director General of the Indian Council for Cultural Affairs (ICCR) during the 1982 –
1985 period, during which multifacetedIndianculturalfestivals wereheldinBritain,USAandFrance and international conferences on ‘Buddhism and National Cultures’ and ‘India and World Literature’ wereheldatNewDelhiandanIndia -Greece Symposium atDelphi in
Greece.
SincehisretirementinMay1994Mr. Nazareth has lectured at National Defence College New Delhi and National Institute of Advanced Studies and Indian Institute of Management in Bangalore and Stanford, Yale,
Columbia & New York Universities, and San Francisco World Affairs Council in USA, Moscow and St. Petersberg State Universities in Russia, Uppsala University in Sweden, Peking, Fudan, & Sun Yat SenUniversitiesin
China, Athena and Phillipines
Universities at Manila, and Shiyarif
Hidayatullah Islamic and Udayana
Universities inJakarta
Mr. Nazareth’s widely acclaimed book ‘‘Gandhi’s Outstanding Leadership’ published in March 2006hascomeoutalreadyintwelve Indian and twenty-three foreign languages (Arabic. Dutch, French, German, Hungarian, Indonesian, Italian, Japanese Korean, Mandarin, Myanmarese,Nepali,Polish,
Portuguese,Russian,Spanish,
Serbian Swedish & Turkish). The Foreword for ten of its European language editions has been written by former Soviet President Mikhail Gorbachev.
OnOctober9,2007,Mr.Nazareth
was presented the U Thant Peace Award by Sri Chinmoy, Founder of theUNPeaceMeditationGroupfor his ‘Lifetime of World Service. Among previous recipients of this Award are Pope John Paul II, The DalaiLama,MotherTheresa,Nelson Mandela,andArchbishopDesmond Tutu.
On October 2, 2012, he delivered the keynote address tiled ‘Gandhi: National Liberator, Social Emancipator and Non-Violent Revolutionary’ at the International day of Non Violence event at the UnitedNationsinNewYork.
On September 26, 2014, he deliveredthekeynoteaddressatthe
‘Culture of Non-Violence’ session of the ‘Dialogue of Civilizations’ ConferenceatRhodes(Greece)
On October 2, 2017, he delivered the keynote address, titled ‘Gandhi for the 21st Century’ at the International day of Non Violence event at the United Nations Library inGeneva.
Mr.Nazareth’ssecondbook which
is titled ‘‘Gandhi: The Soul Force Warrior’ was published in September 2018 and released by Gandhiji’s granddaughter Mrs Tara Gandhi Bhattacharjee at India International Centre New Delhi on December 4, 2018, and formally receivedby H.E. Mr.R.N.Kovind at Rashtrapathi Bhavan, from the author the following day. The Foreword for this book has been writtenbyHisHolinessTheDalai Lama.
An incredible journey in sporting and academic excellence
Menin Rodrigues SportsMay 5, 2024
Embarkingonajourneythroughthe remarkable life of Terry Andrade, one cannot help but be captivated by the indomitable spirit of a sportsman whose trajectory defied expectations and soared beyond boundaries. From humble beginnings at St Patrick’s School in Karachi to rubbing shoulders with thegreatsofPakistan'sfieldhockey, Andrade's narrative unfolds with a fervorthatignitestheimagination.
Brimmingwithdeterminationanda relentless pursuit of excellence, his tale transcends mere athletic prowess, offering a compelling
testament to the triumph of the human spirit against all odds. Let’s delveintotheextraordinaryodyssey ofanextraordinarysportsmanfrom Karachi whose journey in sporting and academic excellence is nothing shortofincredible.
Terence (Terry) Andrade's journey through sports began during his early years at St. Patrick’s School in 1956. From the 4th or 5th grades onwards, his interest in track and field was noticed. He actively participatedinvariousschoolsports meetings, shining in events such as sprinting,obstacleraces,sackraces, and long jumps. Concurrently, he explored cricket and did well as a batsmanandwicketkeeper.
As Andrade progressed to the 8th grade, he ventured into field hockey,playingforhisclassteamin inter-classtournamentsandleading them to victory. Despite his promising interest in hockey, he continuedparticipatingintrackand field events, consistently clinching goldmedalsinvariouscategoriesat the Annual sports days of the school. Terry says, “Though I loved toplaysportsandspenttimeonthe field, my dad and mom closely watchedmyacademicprogress.”
TransitioningtoSt.Patrick'sCollege in1966forhisInter-Sciencestudies, Andradecontinuedtoshineinboth academicsandsports.Heplayedfor the college hockey team in intercollegiate matches against other top Karachi college teams. During this time, he forged lasting friendships with notable sports personalities like Wasim Bari, who later became a renowned cricketer and one of the world’s best wicketkeepers.
After graduating from St. Patrick’s College in August 1968, Andrade pursued a bachelor’s in electrical engineeringattheNEDEngineering College (now a university). He became a key member of the NED hockey team from 1968 to 1973, contributingtotheirvictoriesinthe Degree College Inter-Collegiate Championships. Notably, in 19701971, he was selected for the KarachiUniversityCombinedTeam. Playersinthecombineduniversities team were selected based on their outstanding performances from among the degree colleges and universities in Karachi. “Three other NED players in the combined team
included center-forward Iqbal A.R. (captain), left-inside Asad Baig, and center-half Mushtaq Ahmad. The teamparticipatedintheAll-Pakistan Inter-University Hockey Championship in Peshawar that year,”Andraderecalls.
During his tenure at NED, Andrade seizedtheopportunitytotryoutfor the Karachi Port Trust (KPT) professional hockey team, one of thetopfiveteamsinPakistanatthe time. The other top teams included Pakistan International Airline (PIA), Pakistan Customs, Habib Bank Limited(HBL),andPakistanWestern Railways (PWR). Despite initially being a substitute, his brilliant performance in a national tournament led to him becoming a starting left winger for the KPT team, a testament to his skill and dedication.
During an All-Pakistan Hockey Tournament in Khanpur, Terry
Andrade, made good of an opportunity that came knocking at his reserves’ bench. Asked to play forHyesonsSugarMillsduetotheir shortage of a left winger, Andrade propelled the team to the semifinals with his stellar performance, including a crucial goal against AfghanBahawalpur.
Despite ultimately losing to Habib Bank in the finals, Andrade's play caught the attention of influential hockey administrators like Habibur-Rahman,wholaudedhisskillsto KPT Sports Director Zahid Siddiqui. This recognition earned Andrade a promotion to the starting left winger position for the KPT team, marking a significant milestone in his hockey career. With his speed and agility, Terry became a prolific goalscorerforKPT.
Andrade says, “Field Hockey is a team sport, my success as a goal scorerwasduetotheconsistencyof passes, I received on the left flank from the center players, and I give credit to left-half Mumtaz Anwar, left-inSaeed-u-Bariandthebrilliant center-halfMusheerRabbani.These players were among the best and playedat the national level.”
Andrade's sporting journey wasn't confined to hockey at the district and national level; he actively participated in St. Patrick’s ExStudents Hockey Tournaments, where he consistently ranked amongthetopscorers.Hisprowess on the field was recognized by the community’s legendary players of thattimelikeTonyBarboza,Carmen D’Souza, Leslie Vaz, Assisi D’Souza, Evarist D’Souza, Lenny Fernandes, andVictorD’Lima,eachoneofthem potentialPakistanplayers.
His athletic talents, however, extended beyond hockey and cricket; Andrade also set records in track and field events. Notably, he clinchedtheMen’s100-yarddashat the Annual St. Patrick’s Shamrock Festival in 1974 with a record time, further solidifying his reputation as a versatile athlete, and among the fastestrunnersinthecity.
In 1973, after completing his bachelor’s degree, Andrade worked brieflyinKarachibeforedecidingto pursue advanced degrees in the USA. He obtained his master's degreeandcommencedhisPh.D.in Electrical and Computer Engineering at Oregon State
University.Terrylaments,“However, anenticingjobofferfromAdvanced Micro Devices (AMD) in Silicon Valleypromptedmetocutshortmy doctoral thesis and move to California in1979.”
Despite his professional commitments, Andrade remained connectedtohispassionforhockey. He joined the Northern California (NorCal) Field Hockey Club, captaining the senior team and demonstrating his scoring prowess in various tournaments. His leadership and exemplary performanceearnedhimaccolades, including the highest goal scorer award in the annual Golden Gate HockeyFestival.
Andrade's dedication to sports also fostered enduring friendships as duringhisplayingdaysinKarachiat the national level, his contemporaries included many hockey players who went on to represent Pakistan at the Olympics and World Cup tournaments. A reunion in Los Angeles at the 1984 Olympics with former players Islahuddin, Munawar-uz-Zaman andSamiullah,stalwartsofPakistan hockey, highlighted the bonds
forged through sports, on the playing fields of Karachi. Islahuddin and his family often visit California and spend some time with his KarachifriendTerry.
Today, Terry Andrade resides in Santa Clara, Silicon Valley, with his
family. While semi-retired from the semiconductor industry, he continuestobeactivelyinvolvedas anexecutivevicepresidentatAlpha Numeric Group, recruiting seniorlevelexecutivesforhigh-technology companies primarily in Silicon Valley.
A Good Physician — On Complacency and Communication
-Dr.MichelleM.Kittleson,M.D.,Ph.D.In the fall of 1997, my medical school roommate lent me her copy of Anne Fadiman’s The Spirit Catches You and You Fall Down. I stayed awake for two nights, fascinated and appalled by the misunderstanding between the
young patient’s family and her American physicians. Taking the cautionary tale to heart, I dutifully used the triangular seating arrangement recommended for patient, interpreter, and physician. Often before the interpreter could translatearesponse,Iknewwhether the patient was confused, convinced, or frightened, and I was delighted in the power of this connection.Butmuchcanchangein two decades. I recently cared for a 45-year-old man for over a month and never spoke to him. He was admitted with cardiogenic shock, stabilized, and listed for heart transplantation. Every morning, I
roundedwithmyheartfailureteam.
The patient, pulmonary artery catheter secured tohisneck,usuallylookedupwhen we entered but then returned his attention immediately to his everpresent phone. His father was the other constant in the room. Every morning, as I spoke to his father, Iglanced at my patient. He would offer a half-hearted smile, but I never knew how much he understood or what he was thinking.
I sometimes asked the cardiologyfellowtocirclebackafter roundsto see whether the patient hadanyquestions,butIneverasked for updates and never went back myself. After a few months, the patient received the magic call. Hesailed through transplantationand was home within 10 days. I should have been proud, but an adagefromWilliamOslernaggedat me: “The good physician treats the disease; the great physiciantreats the patient who has the disease.” I knew I had missed the mark. At the patient’s first visit to the heart transplant clinic after
surgery, we had our first conversation.Iperchedontheexam room stool, one point of a triangle with the patient and theAmerican Sign Language (ASL)interpreter and introduced myself. As the interpreter’s handsfluttered like birds, I was equallycharmed and embarrassed. My patient had a bright andready smile. He joked abouthislowpaintolerancebutstill triedto avoid pain medications. He wasexcitedbecausehecouldclimb a flight of stairs. He was proud to recitethenamesanddosagesofhis medications by heart. His father appeared relieved to no longer be ourgo-between,andIwasashamed because I had neverbothered to learn more than the patient’s medical history. He had had a myocardialinfarction in his early 40s,which was complicated by ventricularseptalrupture.
After surgery, he was left withan ischemic cardiomyopathy,and 2 years later, consideration of a transplant waswarranted. His condition wasstabilized with lowdose inotrope support, and I
plannedtodischargehimtowaitfor aheart transplant as an outpatient. But his insurance companydecided that though theywould approve transplantation, they would not approve a defibrillator. How could he go homewith inotropic support but nodefibrillator? Alternatively, howcouldhebelistedasanoutpatient with a projected wait time of months to years, yet remain in the hospital? He spent 2 weeks in limbo,and every day I explained to thefather hisson’suncertainfuture. I described my attempts to corner the insurance company’s medicaldirector across time zones andhis seemingly conscious effortsto duck my calls. I offered theoption of a wearable defibrillator, and when the insurancecompanyalsodeclinedto pay for that,I described our (also unsuccessful) attempts to finagle a freedevice.
The patient’s body ultimately made the decision for us. His creatinine level, the canary-in-the-coal-mine of organ perfusion,worsened, and he required higher doses of inotropic support thatjustified listing him as an inpatient. The
uncertainty about howto safely usher him to transplantation was resolved. Throughoutit all, his father was calm, while my patient’s face, lit only by theglow of his phone, remained inscrutable. Whenever I care for apatient in the hospital awaiting atransplant, I always ask, “Is thereanything we can do to make your life easier?” But I never asked him.WhyhadIsettledforbeingjust agoodphysician?Halftheproblem was logistics: schedulinga daily real-lifeASL interpreter,availablein the 2-hour windowallotted for teaching rounds,seemed impossible. The other halfwas the absurdity of a video interpreter: between the fuzzy screen,the static-filled audio, and thetime delay,anyconversationwouldhave left us more confused andfrustrated than when we started.In retrospect, I should haveused his father as interpreter instead of messenger. But on my first day, neither the patient norhis father requested that I speakdirectly with the patient, and after the second and third days passed with the same calm acceptance,wefellintoaneasy(for
me) inertia. I was relieved to avoid explaining the same frustrating medical quandary twice each morning. I fell into a complacency bornofpragmatismandconfidence in my abilities:I knew I was providingthebestmedicalcare,soI ignored theimportance of direct communication.
In the two decades since I finished medical school, medical dilemmas haveceasedtokeepmeupatnight; thereisrarelya situationIhavenot encountered already. But after that clinicvisit,Ididlosesleep.Howhad my patient felt, being ignored eachmorning? How frustrated was he,a grown man, made to rely onhisfathertounderstandhisown care? And what if his conditionhad worsened,warrantingdiscussionsof mechanical circulatory support or hospice?Ihadneglectedtogainthe trust that is essential for guiding patientsthrough difficult decisions. Whenpresented with the unique challenge of caring for a deaf patient, Itooktheconvenientwayout,every day, for a month. I’d set a poor example for my team, I’d failed to
comfort a patient in need, and I’d missed out on thejoy of that relationship.
On his second clinic visit, Iworked upthecouragetoapologize.Hewas nonplussed yet gracious, my negligence but a blipon the radar ofhisnewlife.Hewasalsoresigned, explaining thathe had stared at his phone because trying to follow spoken conversation was too frustrating. After the third visit, I emphatically signed “You’re awesome,” realizing a few months too latethat nuances of tone and stylecould be conveyed without a voice. I never returned my roommate’s copy of The Spirit Catches You andYou Fall Down, and Fadiman’s words now offer an ironic reminder and reproach: “Every illness is not a set of pathologies but a personal story.”1 My patient had a happy ending and he hasforgiven me, but that is besidethe point. It is harder to forgivemyself. I suspect I will alwaysfeel a prickle of guilt and embarrassment when I see him, andthat small sting will remind meof something I will not forgetagain: diseases may become
routine with experience, but patientsmustnot.
Editor's Note about
Author:Dr. Michelle Kittleson, (nee Pinto). MD, PhD. Yale University School of Medicine (Alpha Omega Alpha): Professor of Medicine at Cedars-Sinai, Director of Education in Heart Failure and Transplantation, and Director of Heart Failure Research at theSmidt HeartInstitute.Shegraduatedfrom Harvard College and received her medical degree from Yale University.Shecompletedresidency training at Brigham and Women’s
Hospital and cardiology fellowship at Johns Hopkins, where she also received a PhD in Clinical Investigation.SheisontheBoardof Directors for Cedars-Sinai, CoCourse Director for Smidt Heart Institute Cardiology Grand Rounds, and Co-chair of the Cedars-Sinai Medical Group Peer Review and CredentialingCommittee.
Dr.Kittlesonisinvolvedhands-onin manymedicalpublications-Shehas created#kittlesonrulesonTwitter,a compendium of tips on how to improve patient care from optimizing communication with patients and colleagues to optimizing medical education to learning from mistakes. These tips havegarneredthestrongsupportof over30,000followers. Shehasbeen the recipient of numerous awards and honors.Her parents Dr MargueriteMonteiro (daughter of the first Dean of St. John’s medical College, Bangalore, Dr. Louis Monteiro, hailing from Goa, Author Dr. Michelle’s Grandfather) her father, Dr. Edward Pinto hails from Mangalore; both are renowned Doctors,theIndianorigin.
CRY MY BELOVED COUNTRY
An Open Letter to the Prime Minister
#chhotebhaiHon’ble Sir, Forthelasttenyearswehavebeen listening to your “MannkiBaat” (A piece of your mind) on the radio. However,notonceinalltheseyears didyoudeemitappropriatetohold a Press Conference. Hence you could not hear the “DilkaDard” (cries of pain) of your countrymen. You were not able to feel the pulse of your people. Hence, with all due respect, and based on facts, not conjecture,Iplacebeforeyousome of the pain of my fellow countrymen:
• You claimed that you would provide us with less government and more governance.Theveryopposite happened.Youkeptexercising moreandmorecontrolonthe livesofcitizens,eventellingus whattoeat,wearandwhomto marry.Allentranceexamswere centralised. Far from making life easier, you have made mundane operations like openingabankaccountmuch morecomplex.
• You talked of “Sabka vikas, sabkavishwas” (Development andtrustofall).Hereagainthe enactment of laws for socalled love jihad and conversions have belied that trust. You have torn asunder thesocialfabricofthecountry. I ask you; can you gather all those strands from the warp and woof of the fabric to restoreittoitspristinebeauty?
• You waxed eloquent on the abrogation of Article 370 of the Constitution pertaining to Kashmir.Butterrorismisjustas it was earlier. Now you have shied away from fielding your
candidates for the Lok Sabha from the three seats in the Kashmir Valley. So who is foolingwho?
• Even the people in the neighbouring Union Territory ofLadakharefuriouswithyou. Whatever citizens’ rights they had in the erstwhile State of J&Khavebeensnatchedaway. They are also angry because their grazing grounds have been encroached upon by China, something that you are loathtoadmit.
• Nagaland is another border State where you claimed to have had a tacit accord. Then whydid6districtsinNagaland boycott the Lok Sabha elections?
• In neighbouring Manipur, you could not hear the cries of people dying, being burnt or raped. It was like water off a duck’s back. You did not have the guts to remove a communal and grossly incompetent Chief Minister. Like Nero you fiddled while Romeburnt.
• You rammed the Citizens’ Amendment Act down our throats, ostensibly to help refugees from neighbouring countries, albeit based on religion. But can you explain the increasing number of Indians relinquishing Indian citizenship after you came to power? The figure is in lakhs per annum. Then there is the dunki (donkey) route through which lakhs try to migrate illegally to western shores. A largenumberofthemarefrom your home State of Gujarat. Wherethenaretheachchedin and amritkal that you have beentom-tomming?
• For political mileage you hastily inaugurated a yet unfinished Ram Mandir that was boycotted by the four Sahankaracharyas.
• You have tried to project yourself as a Vishwaguru. But relationships with all our
• Your Agniveer plan, just to save some money, has compromisedthesafetyofthe country. The brave Gorkhas from Nepal that served in the Indian Army are now opting for the Russian and Chinese armies!
neighbours – Maldives, Nepal, Sri Lanka and Myanmar, have soured.
• HowcanaVishwagurusupport naked aggression as evidenced by Russia and Israel?
• You also have stormy relationshipswiththeUSAand Canada because of alleged involvement in the murder/ attempt to murder of Khalistanisupporters.
• You claimed victory over the Covid pandemic, but now we know that the vaccine used causes heart attacks and has been withdrawn. Through the Electoral Bonds you also received funds from the vaccinemanufacturers.Doyou not value the lives of your citizens?
• Your Electoral Bond scheme has now been equated with a washing machine for corrupt industrialists.
• You boldly asserted “Na khaoonganakhanedoonga”(I won’t accept hush money, nor will I allow others to do so).
PleaseasktheAamAadmi,the petty businessman or the big
corporates. The “rates” in all governmentdepartmentshave gonethroughtheroof.
• You managed to bring the mainstream print and electronic media to heel. Seeingtheexponentialgrowth of the social media you now tried to tame YouTube and WhatsAppaswell
• You talked of women’s safety, butyourcanvassingforarape accused MP from Karnataka and giving a ticket to the son of another such tainted politician in U.P. belie your claim of “Beti bachao, beti padhao” (Protect and educate thegirlchild).
• By doling out 5 kgs of rations (maximumvalueRs300/-)you mayhaveswayedsomevoters. Buttheyneedemploymentnot abeggar’sbowl.
• Toaddfueltothefireyouhave stoopedtoyourlowestlevelin your election speeches, when you sensed the ground slipping from under your feet after the very first phase of voting. Your inflammatory rhetorichasbroughtshameto
the country and the august officethatyouhold.
• You insidiously claimed that theCongressParty’smanifesto would result in the land, livestock and even personal jewellery of the people (read Hindu)goingintothehandsof infiltrators having more children(read Muslim). Shame onyousir.You werefollowing in the footsteps of your friend DonaldTrump,whocoinedthe term “alternate facts” for blatantlies.
• Asforbigfamilies,areyounot oneof6siblings,andtheC.M. of U.P, one of 7? So who were youpointingat?
• Recently somebody close to me had gone to a village in Muzzafarpur district of Bihar, to shoot a documentary. The hutment dwellers were very poor. Each family had 8-10 children; but they were not from the community that you werehintingat.
• Youmadeanotherabsurdand baseless claim that the Congress would bring in an inheritance tax. To the contrary,EstateDuty,thesame
thing, had been abolished by Rajiv Gandhi when V.P. Singh washisFinanceMinister.
• Why these blatant lies and Islamophobia? As a drowning man are you clutching at straws, having seen the straws in the wind? I am reminded of that famous line from the movie Sholay. “Bacchesojao nahintoGabbarSinghayega” (Childrengettosleepelsethat ogre will come). It’s one of the oldesttricksinthebook.Raise the spectre of a ghost and stampede them into your fold so that your sceptre may remainintact.
• Wehavesufferedinterminably duringtheselasttenyears.Our cupofwoeisoverflowing.That iswhywewouldnotliketosee your pipe dream of 400 paar come true. After 4 rounds of votingexpertsandanalystsare crawling out of the woodwork to say that you may not even getasimplemajorityof272.
• The country can ill afford another 5 years of “Mannki baat” from a man who doesn’t understand the “Dilkadard”. JaiHind.
*Thewriterdoesnotoweallegiance to any political party. The Hindi versionofthiscanbeviewedon YouTube@chhotebhaikanpur6759
Points to Ponder, May 2024
Retirement Planning
There are countless people who saunter through life and muddle through many a crisis and when overwhelmed by challenges, scream for help from all and sundry or seek solace from the good book which says: “Look at the birds of the air: They do not sow or reap or gather into barns; your heavenly Father feeds them. Are you not of more value than they?” (Matthew 6:26). Few would, however, concede that they have utterly failed in being prudent and diligent in planning for the future. But then devil can quote the Bible and as Devil’s Advocate one might as well make a counter point by quoting from the Proverbs: “The plans of the diligent lead to profits as surely as haste leads to poverty” (Proverbs 15:22).
So, what do we do? Muddle through life or anticipate and plan to face likely challenges as best we can? This is a choice we must make, at least for those of us who would strive to have a purposeful life. A necessary, though not sufficient, condition to ensure a purposeful life is to have adequate financial resources to take care of our needs and of those around us, particularly in our sunset years. This would call for delineating goals to be achieved at various stages of life and of course, even beyond life (through a succession plan for instance). One such goal could be to build a retirement corpus which would involve careful calculation of savings and the quantum and mode of investment required to meet that goal. The figures that flow from such a planning exercise are not from the magical abacus of some financial magus, but from a simple formula to compute compound interest that we all grappled with in our school days, which is F = P(1+r) , where F is the future value, P is the present value (principal), r is the rate of return (generally annual) and n is
the number of compounding periods (generally in number of years). Anybody with access to the now ubiquitous smart phone or a laptop could compute the outcomes of the above formula through apps or MIRR functionality on the spreadsheet, with ease.
Data Inputs:
Age: 30 years. Retirement age: 60. Current monthly expenses: Rs 50,000. Likely average annual inflation: 6%.
Likely monthly expenses 30 years from now, after factoring in inflation as above: Rs 2,87,175 resulting in an annual expense of Rs 34.46 lacs.
To fund the above annual expenses, one would require an investment corpus of Rs 3.45 crores assuming a rate of return of 10% p.a.
Steps to Achieve The Goal: While the size of the corpus of Rs 3.45 crores may appear daunting, a consistent and disciplined approach as suggested below could make accumulation of such a sum a viable proposition even for the average investor.
SIP (Systematic Investment) per month in Nifty Index Fund
Rs. 6500
Return (10 year rolling return for Nifty since 1999) 14%
Total amount invested over 30 years
Corpus (accumulated amount) at the end of 30 years
Rs. 18 lacs
Rs. 3.5 crores
Post Retirement Challenges: A closer scrutiny will, however, show up some flaws in the preceding, what appears to be a complete plan. For one, there is the question of postretirement inflation. If we assume that inflation is likely to persist even after retirement, at 6% per annum, it will mean that in the very first post-retirement year, a provision will have to be made to meet additional 6% of Rs Rs 34.46 lacs which is over Rs 2 lacs, and this will keep increasing each subsequent year. This would require a higher retirement corpus, which might warrant either higher SIP investments, or a longer saving period or, a combination of both. One way to overcome this problem would be to increase the SIP every year, in keeping with the generally increasing
income level during one’s active career, or by cutting down expenditure. The results of such disciplined savings and investment, even with affordable sums would be quite encouraging.
Let us reckon with a slightly higher monthly SIP of Rs 10,000 to be increased by 10% every year. Although over the last 44 years BSE Sensex has given a compounded annual return of over 16%, let us err on the safer side and adopt a more conservative rate of return of 12.64% which is the 10-year rolling return for BSE Sensex between 01.06.13 and 30.05.23. The results of such an investment plan are summarized below.
The monthly SIP of Rs 10,000 with annual top up of 10% generates Rs 5 crores more than what regular (without top up) would have achieved. The excess amount if invested at a return of 10% would generate Rs 50 lacs additional annual cash flow which would be adequate to cover both inflation and longevity risks.
L'chaim!
Arunanjali Securities
Poonam Anand Nikethan, Ground Floor, 8th cross, Gandhinagar,Urwa Mangalore - 575003
PHONE : +918243552437
MOBILE :9019787658, 8095275933
Save a Tree ... Please don't print this e-mail unless it is necessary.
The Egg Puff
Recently, when I visited a popular buffet restaurant in Bangalore with my office friends, I was quite taken aback to see a large group of childrenoccupyingseatsafewrows awayfrom us. Therewereaboutten ofthem,girlsandboysagedaround 8 to 10 years old. They were all
laughing, talking loudly, and munching on the starters. I looked around for someone older supervising them but couldn't spot anyone. Deciding to focus on my ownmeal,Itriedtoputthemoutof mymind.
After a few minutes, on enquiry I understood that they were having a birthday party. The birthday boy's dad had presumably paid for the lavishdinnerandleftthechildrento enjoy themselves. This struck me as surprising since I recall only venturing into restaurants without my parents when I entered college. Even then, my visits were limited to places like Darshinis, Udupi’s, and McDonald's.
Reflecting on the children today, it stirred a mixture of emotions within me. On one hand, there's a sense of joywitnessinghowmanyparentsof this generation are more established, educated, and capable of offering their children abundant provisions.Yet,there'salsoatingeof apprehension. I can't help but wonder if this abundance from an early age might obscure their appreciation for the value of patience and the satisfaction of earningthrough effort.
AsIthoughtaboutit,Iremembered when I was just 5 or 6 years old. My dadhadabicycle,andhe'daddeda little seat for me. He'd take me on
rides all over the place. We didn't havemuchmoneybecausewewere a lower middle-class family. My parents could just manage to pay for our home and my schooling. Anything extra was tough for us. Eating out was a rare treat for us; indulginginchocolatesorcakeonly happened occasionally, typically reserved for special occasions or whengenerouslygiftedbyothers.
One food item I cherishedabove all was the egg puff. Though it was a rareindulgence,mydesiretoSavour it daily was never fully accommodated.Everyday,asIrode on the back of my dad's cycle, my gaze unfailingly landed on the bakery. I'd eagerly plead with my dadtohaltsoIcouldquicklysnatch a puff. Initially, he'd promise to buy me one later, only to forget. However,overtime,mydaddevised a new tactic: he vowed to craft an eggpuffformeathome.Somehow, he managed to acquire the recipe, and from then on, whenever we passedbyabakery,he'drecountthe steps to me, reassuring me of his homemadeversion.
In my innocence, I fantasized about enjoying numerous egg puffs together and eagerly awaited them for months and years. Now in my 30s, neither has my dad baked an egg puff nor has my love for them diminished.
AsI ponderedthis,a smile tugged at my lips. If my dad had caved to my demands and bought me that egg puff, I wouldn't cherish this delightful memory of it. Even now, asIplayfullyteasemydadaboutthe countless egg puffs, he still owes me, a flood of sweet recollections rushes in the bicycle rides, his patient recipe explanations, the eager anticipation of each bite, and
above all, the pure, childlike love from my dad. These memories give me the satisfaction of eating more than100 eggpuffsat once.
Exhibition of Vintage Mangalorean Wedding
Photographs -May 20, 2024.
Mangalore,May17: InaPressNote, Dr Michael Lobo, Mangalore basedwellknown,renownedIndian writer,genealogist,formerscientist, an esteemed academic and literary community member, with several self-published books on the history and genealogy of Mangalore's Catholic community. His unique expertise and dedication to preserving and sharing the rich stories of Kanara and Konkani region make him a highly valued figure in cultural circles.
Dr. Michaeal's rare exhibition showcasing a collection of vintage images that capture the essence of traditional Mangalore vintage weddings. Each photograph is complemented by captions that detail the names of the bride and groom, their marriage date, and other relevant historical notes. Curated by Dr. Lobo, a remarkable journey through time, celebrating the rich heritage of Mangalore's matrimonial traditions, is underway at ‘Camelot’ (Residence of Dr. Michael Lobo). This meticulously curated exhibition of vintage wedding photographs has opened its doors to the public, offering a rare glimpse into the matrimonial history of families rooted in Mangalore.
Exhibition Details: Venue: ‘Camelot’, Bejai Church Road, Mangalore. Inauguration: MondayMay20th5.30PM,Likely to continue as per interests.
Dr Lobo, who has dedicated decades of his life to singularly studyingtheCatholiccommunityin Mangalore, offers a unique opportunity to explore the cultural depthandemotionalresonance.His work highlights how these timeless moments,thoughfarremovedfrom the contemporary landscape of the city, continue to evoke a profound sense of nostalgia and connection. VEEZ Weekly readers are familiar with Dr. Lobo from articles periodically published .....
Opening Hours: Daily, with specialcuratorinteractionsfrom 5 PM to 6 PM
Theexhibitionisopentothepublic and promises to be a fascinating experience for anyone interested in photography, history, or the sociocultural ethos of Mangalore. Dr Lobo will be available at the venue to discuss the photographs and provide further insights into his extensive research.
NOTE: For additional information, interviews, or inquiries, contact as detailedbelow: DrMichaelLobo Camelot, Bejai Church Road, Mangalore-575004,India
Email: michael_lobo92@yahoo.co m
Tel: +91 824-2212349, +91 8244279658.
-VEEZNewsNetwork.
United Konkani Association (MUKA)
•
Nottingham, May 15: The Mangalorean United Konkani Association (MUKA) unanimously elected Godfrey Sequeira for the successivesecondtermaspresident on the 18th annual general body meeting held on March 31st, at CotgraveClubHall. The meeting began with the prayer invoking blessings of the Almighty. Sitting president Godfrey Sequeira welcomed the gathering present at the hall. Godfrey Sequeira appreciated the former committee membersfortheirrelentlessservice offered during their term. The committee members were congratulated for a successful Eastercelebration.
The annual report for the past two years was presented by Deepak Alvares. The audited accounts for the financial years 2022-24 were read out by Lydia Lewis and approval was sought from the general body. The elections for the newcommitteewereconductedby JohnFernandes.
Theelectedexecutivecommitteeof MUKA for the year 2024-26 is as follows:
President:GodfreySequeira
VicePresident:AnithaSequeira
Secretary: Dorothy D’Souza
Treasurer:LydiaLewis
Cultural Secretary: Jennifer Fernandes
Communication Co-ordinator: AnsonDias
LiturgicalSecretary:DeepakAlvares
SportsSecretary:JohnFernandes
AdditionalCommitteeMembers:
BryanMiranda
ConradAranha
Arvin D’Souza
SachinFernandes
Vincent D’Souza
IreneRasquinha
Harry D’Souza
NaveenLobo
StanySequeira
Addressing the general Body of MUKA, Godfrey Sequeira congratulated the newly elected committee and conveyed his gratitude towards former committeemembers.Thepresident thanked the general body for this opportunity and promised to
continue to uphold the legacy of MUKA. Also, he sought active support from the members and
expressedhisdesiretomakeMUKA a stronger association of Konkani speakersintheUnitedKingdom.
The tallest man!
The tallest man in recorded history is Robert Wadlow, at 8’ 11”. He weighed 480 pounds and wore a size 36 shoe. He had the appropriate job of advertising for a shoe company. He is listed in the Guinness Book of Records. He was measured three weeks before he died and was almost nine feet tall. He was born February 22, 1918, in Alton, Illinois weighing a near normal 8.7 pounds. His greatest weight was 491 pounds. His hands wereaboutthirteeninchesfromthe wristtotopofthemiddlefingerand his shoes were size 37AA, that's more than eighteen inches long. BeforeInternationalShoeCompany provided free shoes, they cost $100.00 a pair (in today's money that'ssixto sevenhundreddollars). Wadlow was still growing when he died.Duringatripheandhisfather
werevisiting800townsin41states for the shoe company. His dad removed the front passenger seat soRobert could sit in the back seat and stretch out his long legs. In kindergarten he was 5'6'' tall, wearingclothingthatwouldfita17year-oldboy.In1929hehadhisfirst medical checkup where the family was told that the boy had an overactive pituitary gland. Too late for Robert, medical science today cancompensatefortheproblem.In 1931 he was the largest Boy Scout in the world at 7'4" weighing 270 pounds. The "Gentle Giant" died July 15, 1940. See More Things https://truupy.com/little -girls-sweet-nap-time-with-cutecats/Credit Goes to Respective Owner~FollowUs: ������������������������ ~ →
Birth of Success
- By Molly Pinto.When a crack develops, a story emerges
On shaky legs and bewildered eyes
With every stumble and every fumble
The bruises a reminder to be careful
You weep because it hurts so much
And rejoice when you avoid such falls
Human nature forever searching
Ways to avoid pain to easy winnings
A child who walks without crawling
Learns no balance or understanding
To lift himself after a fall, without crying
Or the feel of the earth below
Success has never been achieved
By sitting on your past laurels
Today's prize is tomorrow's scrap
Constant efforts rewards greater success.
Craft Your Destiny
In the world of wealth, some choose to hide, But respect is earned from within, whatever's tried. No need to chase after the rich and grand, Find your own path on solid land.
Forget about the flashy stuff, focus on what makes you fine, Copying the rich won't make your light shine. Money might get you things, but life isn't for sale, Death comes for us all, no matter what tale.
Yet some wealthy souls lend a hand, Helping those struggling to withstand. Let's not speak badly, but try to understand, We're all different, yet part of one band.
In life's story, we all have a role, Together, not torn apart, we make the whole. Don't judge by wealth, but by the heart's beat, In unity, life finds its heat.
By: Stany Jovin Menezes - Muscat / PanglaPentecost Flame
In the quiet of the Spirit, let go of the old, From the dark of the past, into the light so bold.
Leave behind fear and doubt, like dust in the breeze, With hearts on fire, our journey will please.
Flames of the Spirit show us the way, In the breath of Pentecost, dreams start to play. The past is a memory, as new winds blow, In the Spirit’s soft voice, hope starts to grow.
Rise up with courage, let your voices sing, With the Spirit’s power, joy we will bring.
In Pentecost’s fire, find love and light, Reunite with God's grace, stepping from the night.
By: Stany Jovin Menezes - Muscat / PanglaRenowned Marathi youth writer Balaji Sutar to deliver keynote address at KATHAPATT Series V (International webinar series focused on the study of Konkani short stories of Dr. Edward L Nazreth)on6th July2024.
Ashawadi Prakashan (Mumbai) and Dhempe College Goa jointly organises the yearly webinars focused study on Konkani short stories; KATHAPATT Series V from 6 July 2024 to 18 August 2024. Literature Students of various colleges;ShreeMallikarjunaCollege Cancona, Fr.Agnel College Pilar, Carmel College Nuvem, Rosary College Navelim, St.Xavier’s College Mapusa, Govt College Pernem, College of Arts Delem, Goa college of Arts Altinho & Dalgado Konkani Akademi are associates of the KATHAPATT Series V. Konkani short stories written by Well known
Konkani author, Dr. Edward L Nazreth,recepientofPoinnariwriter of the year 2024 will be studied, therewillbesixpapersbasedonthe study wil be presented during each of the webinars. Dr. Edward L Nazreth is a professor at Srinivasa Medical College Mangalore.
About Balaji Sutar: A prominent nameinMaharastraforhisfabulous artofstorywriting.
HisBriefLiteraryContribution:
Writing poetry and stories for the pasttwodecades.
Wrote a theatre play 'Gaonkatha' that has commercially been staged morethan50timesatvariousplaces in Maharashtra. This play has also been produced for television by DD SahyadriandbroadcastonTV.
Collection of stories titled 'Don Shatakanchya Sandhyavarchya Nondi' published by Shabda Publications Mumbai in2019. Three editionssoldalmostimmediately.
Published poetry and stories in various literary periodicals and magazines like Navakshar Darshan, Mukta Shabda, Kavita Rati,
Kavyagrah, Va, Murali, Pratishthan, etc.
Also published poetry and stories in Diwali Magazines like Akshar, Deepawali,Parna,Aksharayan,Pune Post, Akshar Lipi, Waghoor, Pratibha, Media Watch, Mehta Marathi Granth Jagat, Sahitya Soochi, Maharashtra Times, Divya Marathi,Lokmat, etc.
ReceivedanawardbySahityasuchi and Rajhans Publications for best sequelstoryfor'Uttarardha' Received an award for best story by Maharashtra Times and News Hunt for the story. 'Vichchhinna Bhowatalache Sandarbha'
Received the Kavivarya DB Dhamnaskar Award given by "Aawan Ol Pratishthan Kankavali" for overall sensitivities towards poetry
Collection of short stories titled as 'DonShatakanchyaSandhyavarchya Nondi' was published in 2019. It receivedmultipleawardsasfollows: The Kathakar Shantaram Award given by Mumbai Marathi Sahitya Sangh.
B Raghunath Memorial Award given by the Nath Group and Parivartan.
The Kathakar Baburao Bagul Award given by the Yashvantrao Chavhan Maharashtra Open University.
Prestigious "Sane Guruji Award for Literature" given by the Sane Guruji Free Public Library run by the Gadhinglaj Municipality.
National Film Award winning director Swapnil Kapure adopted the story 'Don Jagatala Kavi' into a shortfilm Columns and articles regularly published in various daily newspapers including Loksatta, Maharashtra Times, Agrowon, Lokmat,andDivyaMarathi.
The Saraswat Konkani Award Ceremony held
Mangalore: The Saraswat Konkani Awards presented by Kodial Khaber.com, a publication of Mangalore,werepresentedonMay 19,2024atLionsSevaMandir,Kadri Mallikatte, Mangalore. President of Karnataka Konkani Sahitya Akademi, Stany Alvaris, was the chief guest. Retired Managing Director of Tata Refractories C. D. Kamath and president of G. S. B. Mahila Vrinda Mangalore Nayana Rao were the guest of honour. Dr. Kasturi Mohan Pai was awarded 'Konkani Sahitya Ratna Award', Geeta C. Kini was awarded the 'Konkani Sanghatana Ratna Award', 'S. L. Shet Jewelers and Diamond House' Mangalore were awarded the 'Konkani Poshakratna Award', KumbleNarasimhaPrabhureceived the 'Konkani Udyamaratna Award' and Dr. Aravind Shanbhag Baleri,
Kumatawas honored with the 'Konkani yuva Ratna Award'. On behalfofDr.KasturiMohanPai,wife Usha Mohan Pai accepted the award. Editor of Kodial Khaber.com Venkatesh Baliga Mavinakurve welcomed.
Shraddha K. Shet and Namratha NayakbothstudentsofCanaraHigh School, Dongarkeri, who scored 100% in Konkani language in the SSLCexaminationandtheir teacher PurnimaRaowerealsohonoured.K. C. Prabhu and Panambur Vithobha Bhandarkar felicitated. Associate Editor Vidya Baliga proposed vote of thanks. Prabha Bhat prayed. Dr. Ajit Kamath, Mahima Kini, Megha Pai, Saurabh Kumta and Vibha Baliga Nayak introduced the honorees. Vignesh Baliga and Samarth Bhat were the project coordinators
The D’Souza Family: Flips the Script –
Inspiring ‘Survivors to Thrive’:
Prince Manvendra Singh Gohil spoke to the press; “As a board memberofEyesOpenInternational (EOI) I am extremely proud that for the first time a brown skin survivor has organized this magnificent conference on human labour trafficking called "Triumph over Trafficking " at the National Underground Railroad Freedom Center, on May 2nd , 2024, at Cincinnati,Ohio.
The brain behind this mega EOI conference Harold D’Souza spoke to the press; It’s a dream come true for The D’Souza Family. All long journeysstartwithasmallstep.First time after 7,758 days and 21 years, 2 months and 28 days Rohan, Bradly, Dancy and I spoke on a symposium of our experiences, reflections,challenges,andsuccess. This accomplishment is a pure reflection of the empowering support bestowed on our family with love from Dave Yost, Ohio Attorney General, Woodrow ‘Woody’ Keown Jr., President and COO of National Underground Railroad Freedom Center, Saint Saviour Parish, Sycamore School District, TianayAmat,Presidentand CEO of Cincinnati Works, Social CatholicCharities,FederalBureauof Investigation (FBI), Kirsti Mouncey, President and CEO of Collaborative to End Human Trafficking, Mayra Jackson, Executive Director of ImmigrantandRefugeeLawCenter, Benjamin Ryan Nathan, Martin Sheen,EOIBoardMembers,well-
wishers and specially my Hero on Humanity – Hriday Raval, Regional Director India for Eyes Open International.
Ohio Attorney General Dave Yost opening remark at the EOI Conference; “Thank you for attending today's event ‘Triumph Over Trafficking’. As many of youknow, fighting human trafficking is oneof my toppriorities. I recently had theopportunity to visit the NationalUnderground Railroad FreedomCenterandtoreflectonits profoundmeaning. This Center stands not just as amonument of history but as a reminder ofthe enduring struggle against humanbondageandtheunyielding pursuit offreedom for all people. The creation of the AmbassadorAdvisory Council
underscores ourcommitment to amplifying the voices ofCourage, Hope and Freedom forsurvivors andifthosevoicessometimeshave alittlebitofRage,Icanunderstand that and I'll betyou can to and by inviting individualswith lived experience to the table, weacknowledge that survivors are not juststatistics but living letters ofresilience. We see you. We hear you and westand ready to support youon yourjourneytohealingand empowerment” .
Rohan D’Souza’s reflection on the symposium was AsIreflectonEyes Open International’s first-ever conference at the National Underground Railroad Freedom Center, I’m filled with a mix of profound pride and gratitude. The eventwasnotjustameeting;itwas avibrantgatheringofmindsunited
against the scourge of human trafficking,whichcontinuestoaffect so many lives across the globe.
Ourlineupofspeakers,includingDr. Kalyani Gopal, Linda Dixon, and LindaPowers,broughtanincredible depth of knowledge and expertise to the discussions. Each one, with their unique perspectives, helped paint a detailed picture of the challenges we face and the strategies we need to overcome them. Dr. Gopal’s passionate engagement, Linda Dixon’s incisive insights from her Department of Defense role, and Linda Powers' sharp legal expertise were particularly enlightening.
One of the most touching parts of theconferencewasthesessionwith my family, the D’Souza’s. My parents’ journey through the dark world of labor trafficking is a story ofbothpainandresilience,andthis wasachance formybrotherBradly andme to share howfarourfamily has come, thanks to the incredible support we’ve received. It was a deeply personal moment for us to reflectonourparents'progressand discuss how we’ve grown together as a family through these challenges. This session wasn’t just our story; it was a call to action, underlining the human element at theheartofthisfight.
Woodrow “Woody” Keown, Jr., the President and CEO of the National Underground Railroad Freedom Center, provided more than just a venue for our event. Under his leadership, the center became a space that resonated with the historical and moral significance of our cause, adding a profound layer ofmeaningtoourdiscussions.Ohio Attorney General Dave Yost’s opening remarks, Benjamin Nathan Ryan’s insightful lead into Martin Sheen’s documentary, “To Be Free”, Dr.LaraWilken,HridayRaval,Prince Manvendra, Larry Harte, Deepak Acharya, Dr. Yvan, Shastriji Nayan Joshi, and Sr. Therese, along with therestoftheboardmemberswho were honored, showed what
dedicated leadership looks like in the face of such global challenges.
Prince Manvendra Singh Gohil added; “To everyone who participated, supported, and contributed in various ways thank you. Your dedication is the driving force behind our shared mission to eradicate human trafficking. Together, we stand united and strong, committed to moving forward with the resolve to secure freedom and dignity for all.
Today,Ifindmyselfdeeplyhumbled and profoundly grateful to receive this honor from Eyes Open International. It is with immense appreciation that I express my gratitude for this recognitionof my contributions to the cause of combating human trafficking.
To the esteemed members of Eyes Open International, I extend my heartfeltthanksforbestowingupon me this honor. Your acknowledgment of my loyalty, leadership, and dedicated service is deeplymeaningfultome.Iamtruly honored to be a part of this importantorganizationandtohave
the opportunity to contribute to such a noble cause.
Iwouldalsoliketoextendaspecial mention to Attorney General Dave Yost for his unwavering dedication to fighting human trafficking. Your tireless efforts are an inspiration to us all, and I am grateful for the opportunitytocollaboratewithyou in this vital work. Aswecontinueourcollectiveefforts to combat human trafficking, let us remember the importance of standing together, united in our resolve to protect the vulnerable and uphold the principles of justice and dignity for all. I am deeply touchedandmotivatedtocontinue ourimportantworkwithEyesOpen International. Let us forge ahead with compassion, courage, and unwaveringdetermination.”
Attorney General Dave Yost remarked, “Onesuch embodiment is my friend Harold D’Souza a survivor of Labor trafficking and debtbondage. Alongside his wife Dancy, theyhave transformed their heroic experiences into a global movement forchange. Through
Eyes Open Internationalthey tirelessly advocate for Survivorinformed research and prevention effortsnot just in the UnitedStatesbutaroundtheglobe. The fight against humantrafficking transcends political dividesso, as we reflect on their journey andtoday'sevent,let'sbereminded of ourcommonalities. We fight for the fundamental dignity andequality of every humanbeing. My office is committed toupholding the rule of law and toChampion the inherent worth and dignityof each person. My promise to you is tocontinue striving. To never give in. Tonever giveup,untileveryindividualisfree from the shackles of oppression andexploitation.
Rohan D’Souza youngest EOI Board Directorsignedoff;“Theoutpouring of support from the community, viewers, and attendees has been nothing short of inspiring. It’s a powerful reminder of the vast network that Eyes Open International has built over the years, which is crucial for the advancement of our cause. This community engagement reinforces
the incredible strength that comes from our collective action.
Looking back on this event, I see it asamilestone notjustforourEyes OpenInternationalorganizationbut for every individual and entity
involved. This conference laid a stronger foundation for our future initiatives, ensuring that our fight against human trafficking will continue with renewed vigor and deepenedcollaboration.”