23rd Iissue Of UTH-N-YNG Jain Magazine

Sashin Shah, President (JAY-HO) Sashin Deepak Shah from is a native of Kutch, Gujarat currently residing at Matunga, Mumbai. Sashin is a post graduate in Event Management and is an Event Management professional since 2004. Married to Prerana Shah also a native of Kutch, Gujarat, and has a 4 years old daughter. Currently Sashin owns a wedding Planning Company called Vivaah Planners and an Event Management Company named The EFactory.

The idea behind JAY-HO is to unite Jain Youth and create a platform for their talents and present to it to the world.

UTH-N-YNG was generated as an idea for all the Jain Youth to be aware about not only about Jainism & Jain Current Happenings but also to get an overview of what is happening around the world. With sections like Technology, Food & Lifestyle, Travel, Finance & Tutorials UTH-NYNG will be a one-stop-shop for all the info required for the youth.

A.T.M (Artistic Talent Management) was specially designed by Sashin as he is from the field of Event Management and gets many chances to present new talent to the world may it be for Singing, Dancing, Acting, Art & Crafts or Speech. “My idea is to get the Jain community to such a level where every ones knows a Shah, Gala, Mehta or Jain as much as they know any Kapoor, Khan, Chopra or Kumar” says Sashin Shah. “Hope we are able to fulfill our dreams for a better future” JAY-HO!

Bhavik Veera, President (JAY-HO) Bhavik Vinod Veera, a choreographer by passion has done MBA in Marketing and owns a dance company named Spunk Dance Company.

Bhavik is a native of Kutch, Gujarat and is currently residing in Panvel, Navi Mumbai. Being passionate about dance, Bhavik likes to bring creativity and emotions through his dances.

His idea behind JAY-HO is to unite Jain Youth and give platform to the hidden talents of Jain Youth and take them to the higher level. As he always says, “STAY TUNED.STAY UNITED” UTH-N-YNG magazine is created especially for all Jain Youth not only giving information of what’s happening around but also giving them opportunity to express their views and ideas and helping them to create better future.

A.T.M – Bhavik says, it is an initiative taken by his friend and colleague Sashin Shah and he liked the idea behind it. As a choreographer, he too likes to present new talent from dance field.

He says, “Anyone can become Michael Jackson or Shah Rukh Khan or Ranbir Kapoor or Katrina Kaif, but end of the day it’s only you who carries your own personality”.

JAY-HO!

7th, 8th, 9th, 10th 11th & 12th TIRTHANKARS

On the thirteenth day of the dark half of the month of Paush the queen gave birth to a healthy son who was fair and glowing like the moon. He was named Chandraprabh (glow of the moon).

SUPARSHVANATH BHAGAVAN – 7

Chandraprabh was apathetic towards the mundane pleasures and princely grandeur. After he ascended the throne his reign was short lived. He became an ascetic in the prime of his youth and just after three months of acute spiritual practices he became an omniscient. For a considerably long period he continued to enlighten the people and propagate the true religion. When his end approached he went to Sammetshikhar and after a month of long fast and meditation got liberated.

The being that was to be Suparshvanath had done harsh penance and deep spiritual practices in his earlier birth as king Nandisen of Kshetrapuri. He then reincarnated as a god in the sixth Graveyak dimension.

From the dimension of gods this soul descended into the womb of queen Prithvi Devi, wife of king Pratishthasen of Varanasi. During her pregnancy the queen did not lose her normal shapely figure, as generally happens. As her flanks still remained attractive, the child, when born, was named Suparshva.

When Suparshva became young he was married and later ascended the throne. He ably conducted the affairs of he state and looked after the well being of his people. One day while he was enjoying the nature sitting at the roof top, he observed the falling of leaves and wilting of flowers. Suddenly he became aware of the transient nature of life. This gave a rising to the feeling of detachment and desire for spiritual upliftment. He gave his kingdom to his son and became an ascetic. After nine months of disciplined practices he became an omniscient on the sixth day of the dark half of the month of Phalgun. For a long period he worked for the spread of right knowledge. He got liberated on the seventh day of the bright half of he month of Palgun at Sammetshikhar.

SUVIDHINATH BHAGAVAN - 9 In the tradition started by Bhagavan Rishabhdev the ninth Tirthankar re-established the four pronged religious ford was Bhagavan Suvidhinath During his earlier incarnation as emperor Mahapadma of Pushkalvati Vijay purified his soul to he extant of earning Tirthankar-nam-and-gotrakarma. He took birth in the Vijayant dimension of gods and from there he descended into the womb of queen Rama Devi, wife of king Sugriva of Kakandi town.

During the period of pregnancy queen Rama developed a strange capacity to develop processes for doing even the most difficult of tasks.

Everyone got astonished at her skill. When the child was born the king accordingly named him as Suvidhi (correct procedure). During the teething period of the child the mother got a craving for playing with flowers. As such, he was also popularly known as Pushpadant (flower-tooth).

CHANDRAPRABH BHAGAVAN - 8 In his birth as king Padma of Mangalavati town of Dhatkikhand, the being that was to become Bhagavan Chandraprabh earned Tirthankar-namand-gotra-karma. Spending a life time as a god in Anuttar Vijay dimension he descended into the womb of queen Lakshmana, wife of king Mahasen of Chandranana town.

During her pregnancy, one day the queen was looking at the splendors and glowing full-moon.

All of a sudden she had a strange desire to drink the glowing streak of moon light. The king cleverly managed to satisfy this strange desire of a pregnant mother.

Suvidhinath had a normal princely life, but with detachment. He became an ascetic at an early age and attained omniscience only after four months rigorous spiritual practices. He got Nirvana at Sammetshikhar on the ninth day of the dark half of the month of Kartik.

Extinction of the Religious Ford The tradition of the four pronged religious ford started by Bhagavan Rishabhdev gradually became extinct after the Nirvana of Bhagavan Suvidhinath. After his death, first the ascetic organization disintegrated and a time came when there was no ascetic left. The religious discourses two were given by common citizens or Shravaks.

Slowly the influence of wealth became

overpowering and people started forgetting the principals of five vows including Ahimsa and truthfulness. The discipline of spiritual principles gave way to ritualistic exchanges of wealth and total indiscipline

Shreyans Kumar became a Shraman and within a short span of two months attained omniscience on the fifteenth day of the dark half of the month of Magh under a mango tree. He got Nirvana at Sammetshikhar on the third day of the dark half of the month of Shravan.

SHEETALNATH BHAGAVAN – 10 The being that was to be Bhagavan Sheetalnath, in his previous but one birth was the king of Susima town in the Pushkarvar island. His name was Padmottar. When his son reached adulthood the religious king gave his kingdom to the son and took Diksha from Tristadha Muni. Vigorous spiritual practices and worship of the pious states as mentioned in the scriptures resulted in his acquiring the Tirthankar-nam-and-gotra-karma.

Completing his age he reincarnated as the king of the Pranat dimension of gods.

One day due to some strange ailment, king Dridhrath had high fever and acute burning sensation in his body. He did not get any relief even after applying a variety of ointments. Out of anxiety and to comfort the king, the queen put her palm on his body. This mere touch of the queen removed the burning sensation and a feeling of soothing relief swept his body. After this incident the king decided to name the new born as Sheetal (cool/calm).

Sheetalnath was born on the twelfth day of the dark half of the month Magh. When he grew older he married at the request of his parents. At proper time, king Dridhrath coronated him and took Diksha. After a long and successful reign Sheetalnath left his home and became an ascetic.

He attained omniscience under a Peepal tree on the fourteenth day of the dark half of the month of Paush. After wandering and preaching for a long time, he came to Sammetshikhar and attained Nirvana on the second day of the dark half of the month of Vaishakh.

SHREYANSNATH BHAGAVAN - 11 In his earlier incarnation, the being that was to become Bhagavan Shreyansnath purified his soul as king Nalingulm, and went to the Mahashakra dimension of gods. From there he descended and took birth as Shreyans Kumar, the son of king Vishnuraja and queen Vishnu Devi of Simhapur.

Shreyans Kumar was born on the twelfth day of the dark half of the month of Bhadrapad.

He had a normal princely life and ascended the throne when Vishnuraja retired. After a long reign

It was during his period that the being that was to be Bhagavan Mahavir reigned as the first Vasudev Triprishta. After the death of Triprishtha, his brother Baldev Achal became a disciple of Dharmghosh who was a follower of Shreyansnath.

Achal got liberated in this birth.

VASUPUJYA BHAGAVAN -12 Vasupujya was the king of Champa town in the Bharat sub-continent. His queen was Jaya Devi.

Besides being a great warrior King Vasupujya was a compassionate and charitable person. The queen too was benevolent and she inspired the king in his charitable activities.

The being that was Padmottar was born to queen Jaya Devi. It is said that when the queen was pregnant, the king of gods came to convey his veneration to the future Tirthankar and his mother.

As Indra is also known as Vasu, the new born was named Vasupujya (venerated by Vasu). As Vasupujya grew, so grew his inherent detachment and apathy for mundane affairs. He had no attraction for the regal splendor and grandeur.

When he became young his parents wanted him to marry but he declined. He even conveyed that he had no intention of ascending the throne. In spite of all persuasions from his family members, he renounced the worldly life and became a Shraman on the fifteenth day of he dark half of the month of Phalgun along with six hundred other persons.

The intensity of his spiritual practices was so deep that he became an omniscient within one month.

At that moment he was practicing under a Patal tree in a garden outside Champa town. He established the four pronged religious ford and preached for a long period.The second Vasudev, Dwiprishtaha, was his devotee. He and his brother Baldev Shrivijay conquered Prativasudev Tark and brought his oppressive rule to an end.

Shrivijay later joined the ascetic order of Bhagavan Vasupujya.

Bhagavan Vasupujya got Nirvana in Champa town on the fourteenth day of the bright half of the month of Ashadh.

HOW TO SPEND YOU VACATION FRUITFULL

1 B. Doing Exercise like Suryanamaskar : Doing exercise like suryanamaskar daily helps to make the body strong.

1 C. Avoid playing computer games : Some students like to play unnatural games on computer instead of playing outdoor games. Playing such games harms our body and mind.

1 C 1. Victim of vices : By playing computer games, you are prone to physical and mental weakness, avoiding physical exercise and narrowmindedness.

My little friends, your exams are over and now your vacations have started. Actually, vacation is an open school which gives you the opportunity to shape your personality and learn various innovative arts and skills. During the vacations, you should have fun; but at the same time you must also try to learn some new things. This is an opportunity given to you by God to find out the skill in which you are lacking and develop it.

The one who is constantly in a state of learning is called a student. When you visit any of your relative's house, you should think and find out whether there are any means of learning in their house. For example, if your uncle has a computer, then you can learn things like typing or visiting websites that teach good sanskars (values).

Students, if you really want to enjoy the vacation, then remember that real happiness lies in learning new things.

2. Actions for mental development Friends, our thoughts reflect our reading and our actions reflect our thoughts. Therefore, to have good thoughts, it is essential to read good books.

2 A. Read books and texts based on Nation and Dharma 2 A 1. Deities and Saints : Read story books on Deities such as Shrikrushna, Shriram, Shri Ganapati, Saraswati devi etc. and Saints like Saint Dnyaneshwar, Saint Tukaram, Saint Sakhubai, Bhakta Pralhad. etc.

2 A 2. Brave kings : Chhatrapati Shivaji Maharaj, Chhatrapati Sambhaji Maharaj, etc.

2 A 3. Revolutionaries : Shaheed Bhagat Singh, Rajguru, Sukhdev, Veer Savarkar, Rani (Queen) of Jhansi, etc.

1. Actions for developing physique 1 A. Playing outdoor games : Playing outdoor games like kho-kho, kabaddi, etc. is exercise which keeps our body fit and healthy.

1 A 1. Qualities imbibed : Unity, alertness, leadership, thinking of others, developing judgement, listening to others, etc.

2 A 4. Series of texts published by Sanatan : Read the series of holy texts published by Sanatan, which explain how to imbibe good sanskars, eradicate personality defects and study effectively.

B. Do not read fictitious stories Friends, many of you read fictitious stories just to pass off your time. In fact, we must read the stories of those people who have lived an ideal

life. Fictitious stories have no base of reality. Can we ever get enthusiasm and inspiration to lead an ideal life by reading such stories ? So now think and decide whether you will prefer reading fictitious stories or real and inspiring stories ?

stotras which are prayers to the Deities.) like Navkar, Samayik Sutra, Ramraksha stotra, Hanuman stotra, Sankatnashan stotra and Manache shloka, helps us in improving our speech, pronunciation and memory power.

So children, read the biographies of Saints, brave kings and revolutionaries during this vacation; only then you will be able to develop your personality

C. Watching serials and video CDs 1. Watch the serials 'Shrikrushna' and 'Ramayan' on the TV channel ‘Star Utsav’.

2. You can also watch video CDs based on the lives of Saints and revolutionaries. c. Do not watch cartoon films or horrific films depicting murders and fights.

D. Painting pictures Friends, during the vacation you draw and paint cartoons or whatever comes to your mind, just to pass off your time. Instead, draw and paint sattvik (Sattva-predominant) pictures on the subjects mentioned below. Do not draw cartoons of Deities or Saints.

Pictures of Deities : Shri Ganapati, Shriram, Shrikrushna, Datta, Shiv, Durgadevi and Laxmi 2 D 2. Pictures that awaken devotion : Pictures of Saint Tukaram Maharaj, Saint Dnyaneshwar, Saint Mirabai, Saint Gora Kumbhar and Saint Tukdoji Maharaj 2 D 3. Pictures that awaken patriotism : Pictures of Shaheed Bhagat Singh, Rani of Jhansi and Shivaji Maharaj 2 D 4. Holy festivals : Pictures of festivals like Ganesh festival, Dipawali and Rangpanchami.

3. Learning stotras and shlokas Learning by heart stotras (A hymn of praise for a Deity) and shlokas (Shlokas are usually part of

Prayer 'O Jineshwara, I pray at Your Feet to help us make use of this vacation to imbibe good qualities. Help us realise our personality defects and let every action done by us be according to your expectation !'

Help your parents in their work Throughout the year, your parents help you in your studies and homework. In addition to managing her own household responsibilities, your mother prepares lunch for you and helps you in your studies. So, as a token of gratitude, you too should help her with the household work during your vacation.

Our parents do so much for us selflessly. We can show our gratitude towards them by caring for them and helping them with their work during the vacations.

PACKING A BAG OR SUITCASE EFFICIENTLY 1 Check out the weather at your destination(s) before you go. Is it going to rain? Pack a rain suit or something that can get wet and dry quickly. If it is going to be hot, pack shorts. Don't forget: Do you need a bathing suit or swim clothes?

4 If you have limited space, do not roll your shirts, pants, etc. Instead, fold your shirts into squares. Better yet, stack them. In the space you could fit about 3-4 rolled t-shirts, you could fit 5-6 stacked shirts (depending on your suitcase size).

2 Plan each day in advance. This will help you decide how many pieces of clothing to take. Too much and you will regret carrying everything.Remember you can always buy a cheap t-shirt or a pair of shorts at your destination.

You will regret it if you pack too much, but if you pack too little you can always compensate for it.

Remember probably every town you have ever been in has had a laundromat.

3 Pack several lightweight layers. This will work well for both hot and cold weather, as you can add more if you're too cold, and take some off if you're too hot.

5 Stuff your socks inside your shoes if there is no other room for them. If you have any other small trinkets, you can put that in your shoes, too.

6 Line the inside of the bag with your t-shirts.

This will help distribute the contents.

7 Pack fragile items in the center of your case.

This way, they are less likely to be broken. If possible, don't bring anything fragile.

8 Put dress shirts on top so that you can remove them easily for hanging and ironing.

9 Put shoes in a plastic grocery bag. This is so that after you wear them, you can put them away without damaging any other items or making them dirty.

10 Fit the underwear and socks down the sides once the case is full. This will make sure that you don't fill up valuable space in the middle.

Summer Packing List Summer 2013 • 2 Jeans (for hiking, for going out at night) • 1 Sweatpants • 1 Sweatshirt/ Sweater • 1 Long sleeve shirt • 6 Short sleeve shirts • 4 Shorts • 2 Bathing suits • 2 Button-down shirts • 2 Long skirts • 1 Khaki or corduroy pants • 1 Hand towel (for swimming outside of hotels) • 2 Plastic bags for wet clothes • Undergarments • Socks • Light jacket • Sandals • Sneakers or walking shoes (with straps or laces) • Hiking boots or sturdy sneakers (must be closedtoe, for rougher terrain) • Sleepwear • Hat / Baseball cap (to help avoid dehydration from the sun) • Travel alarm • Flashlight (mini) • Camera • Film (bring extra film, because it's much more expensive in Israel) • Fanny pack or money belt • A kippah/ yarmulke and talit/ prayer shawl (although not required, you may want to bring them) Airplane/Train Backpack • Passport • Calling Card • Change of clothes • Deodorant • Camera • iPod/MP3 Player • Toothpaste • Toothbrush • Magazine, books, etc.

• Journal • Snacks Sober Attire We recommend modest dress for religious sites shirts with at least short sleeves for both men and women, a skirt covering the knees for women (a jacket and tie are not necessary).

TOP 10 BEACH DESTINATIONS OF INDIA

Om Beach: Together with its surrounding beaches, Om Beach in the town of Gokarna in Karnataka, remains a vestige of the fabled hippie trail. One of the most secluded and pristine beaches, Om is the ultimate destination for spotting Dolphins and for a delightful Bohemian holiday.

Kovalam Beach: One of the prime beaches in India’s beach repertoire, Kovalam in Kerala has always enjoyed the status of being a major tourist spot. Blessed with calm blue waters, sensational rocky outcroppings, palm groves and some spectacular sunsets, this beach draws flocks of tourists and locals. Take a hint and make a beeline for the resorts along the coastal front, which offer access to a private beach to enjoy this picturesque paradise.

Havelock Beach: The legendary colonial past, unexplored shores, incredible corals and marine life make this beach on the Indian Union Territory of Andaman and Nicobar islands a favorite soulsoothing retreat.

Mahabalipuram Beach: A world heritage site, Mahabalipuram is renowned for the ancient Shore Temple and rock carvings which sit majestically, close to the beach. Though the beach itself is a little grimy, it offers a pleasant mix of sun, sand and sea food. Set out for this beach laced in history if peddlers and crowds do not bother you.

Bangaram Beach: Nestled, in one of the 36 coral islands of Lakshadweep, off the coast of Kerala, Bangaram beach is famous for its pristine lagoons

and unblemished coral-reefs. It is a dreamland for diving, snorkeling and parasailing.

Kanyakumari Beach: Located at the Southern tip of India, Kanyakumari is located an interesting confluence of 3 water bodies - the Arabian Sea, the Bay of Bengal and the Indian Ocean.

Thronged by tourists and natives, Kanyakumari is not an ideal beach haven for swimming and tanning. Nevertheless, being a pilgrimage site and the prospect of a glorious sunrise and sunset attracts travelers here.

Kerala Beaches Alappuzha Beach, Fort Kochi Beach, Kappad Beach, Kovalam Beach, Beypore Beach , Marari Beach, Kizhunna Beach, Varkala Beach

Goa Beaches Anjuna Beach, Baga Beach, Calangute Beach Bogmalo Beach, Colva Beach, Candolim Beach Majorada Beach. Sinquerim Beach

Tamil Nadu Beaches Covelong Beach, Elliot Beach, Kanyakumari Beach, Mahabalipuram Beach, Marina Beach. Rameshwaram Beach, Muttukkadu Beach, Velankanni Beach

Karnataka Beaches Karwar Beach, Malpe Beach, Gokarna Beach Ullal Beach, Maravanthe Beach, Murudeshwar Beach, Kurumgad Beach, Surathkal Beach

Paradise Beach: As opposed to the rocky shores of the rest of Puducherry – a quaint erstwhile French settlement town in South India - Paradise beach has a lovely sandy beach with the options of swimming and water-sports.

Maharashtra Beaches Alibaug Beach , Bassein Beach, Chaupati Beach Ganpati Pule Beach, Harnai Beach, Juhu Beach Marve Beach, Kashid Beach Orissa Beaches Balighai Beach, Baleshwar Beach, Gopalpur on Sea, Chandrabhaga Beach, Chandipur Beach Konark Beach, Paradeep Beach, Puri Beach

COOL DOWN THIS SUMMER WITH THESE SUPER REFRESHING DRINKS

Cucumber Lemonade

Honey Limeade

Cold Cucumber Soup Original recipe makes 6 servings 1 (6 ounce) can frozen lemonade concentrate 4 (6 ounce) cans water 1 cucumber, peeled and sliced Original recipe makes 6 servings 1 cup lime juice 5 cups water 2/3 cup white sugar 2 tablespoons honey Directions In a pitcher, combine lime juice, water, sugar and honey. Stir until sugar is dissolved. Chill in refrigerator.

Direction Place lemonade concentrate into a jug with a lid and stir in 3 lemonade cans of water. Pour 1 more can of water into a blender, add cucumber, and puree. Pour cucumber mixture into lemonade and shake to thoroughly mix.

Diet Sugar Pink Lemonade

Brown Sugar and Honey Limeade

Original recipe makes 12 cups 1 3/4 cups freshly squeezed lime juice and pulp 10 cups cool water 1/2 cup honey, warmed Combine the lime juice and water in a pitcher; mix in the warm honey. Stir the brown sugar into the mixture until dissolved completely.

Pour over ice and top with a lime slice to serve.

1/4 cup fresh lemon juice 1/4 cup cold water 2 packets sugar substitute 1 cup frozen strawberries, defrosted 1 lemon slice, for garnish (optional) 1 mint sprig, for garnish (optional) In a large measuring cup, combine the lemon juice and water. Add the sugar, stirring until it dissolves.

Spoon 1 tablespoon of liquid from the defrosted strawberries into a tall glass. Fill the glass with ice. Pour in the lemon juice mixture.

If desired, garnish with the lemon slice and mint sprig. Enjoy the strawberries or save them for another use.

TOP 10 FOOD ITEMS FOR SUMMER

1.Yoghurt: A bowl of chilled yogurt everyday can help soothe ulcers, allergies and heat boils that tend to appear during summers.

5.Mango: A juicy mango a day will keep your summer woes away. Aam panna is an excellent remedy for heat strokes.

Recipe: Aam Panna Recipe: Rocket And Mango Salad

6.Green leafy vegetables: Mineral packed dark green leafy vegetables, like spinach, are especially rich in calcium that helps regulate the body’s internal temperature.

Recipe: Spinach Quiche Recipe: Palak Ka Saag

2.Cucumber: Cucumbers are full of minerals and vitamins and also have high water content. Chop up and eat as a salad with every meal.

7.Sprouts: A cup of sprouts can increase energy levels by helping the body to convert food into energy quickly.

Recipe: Sprouts Jhalfrezie Recipe: Sprout Chaat 3.Watermelon: This summer fruit also has high water content and is a great source of Vitamin A, B and C. It acts as an antioxidant.

8.Amla: This is a great refreshing agent. It increases stamina and also reverses the ageing effects caused by the strong rays of the sun.

4.Coconut water: This is a must for summer.

Coconut water not only keeps the body well hydrated, but also helps to avoid indigestion.

9.Apricots: Provides the body with the necessary iron and vitamins. 10.Laukior bottle gourd: Prevents excessive loss of sodium from the body, quenches thirst and helps in preventing fatigue.

4 FINANCIAL BLUNDERS YOU SHOULD ALWAYS AVOID With markets near their all-time high, investors are confused about how to proceed.

1. Never buy at the peak or sell at the bottom: Intuition tells you to follow trends. We get tricked in by our own emotions driven largely by the crowd. We get exuberant when something is doing well and want to buy more of it and we feel sad when something is not doing well. This makes us to buy high and sell low - the opposite of what we should be doing, resulting in losses.

So what should you do?

Buy when markets are low and sell when markets are high. Control your emotions and inculcate investment discipline. You are investing for your financial goals, follow the goal schedule.

2. Never forget to review and rebalance your portfolio: Reviewing your portfolio once a year is a must .

Rebalancing is an automatic way of buying low and selling high without emotions getting in your way. The solution to point 1 above.

But before that, you need to have the asset allocation in place. Determine your risk appetite and build a proportionate allocation of how much money should be invested in equity, debt, real estate,gold and cash.

Once this is carried out then on a periodic basis, you should evaluate if your proportion has altered significantly. If it has, then redistribute the money in a way to reflect the original proportions. This is what rebalancing is all about.

to one's well being and judgement than to see a friend get rich."

And this leads us to take advice from these friends/ family/ relatives. Of course, there is an implicit trust with these members which we depend upon. But then you have to realize what is good for them may not be good for you. And in the case of an insurance agent, you should definitely think twice before following their advice.

So what should you do?

Friends/Family/Relatives cannot provide you dedicated time to understand your needs or help you in ongoing way. You have different goals and risk taking abilities. And what you invest in should reflect your needs.

4. Never think an unbiased planner is not worth the fee: Mind you, we are talking about an unbiased financial planner or investment advisor and not a broker, distributor who sell you products like equity, insurance, mutual funds. Before you buy a product, you need to have a financial plan in place along with an asset allocation that will determine what should you buy and how much. This is what an independent investment advisor will do for you.

An independent investment advisor or planner brings discipline and clarity to the investment process and helps you avoid all the behavioral traps listed above that can impede your ability to realize your financial goals.

An independent investment advisor or planner will charge you fees. Do not shy from that as this helps him to maintain the unbiasedness required to build the right plan for you.

So what should you do?

What should you do?

Rebalance. To do so, more money can be invested in one of the asset classes or money can be withdrawn from the asset which has grown higher and put back into what has grown lower.

Build a Financial Plan from an unbiased planner as soon as possible.

3. Never blindly follow advice from neighbours, relatives, insurance agents: Charles Kindleberger, author of Manias, Panics and Crashes says, "There is nothing so disturbing

SEAL YOUR FINANCIAL LEAKAGES As the famous adage goes, “Change is the only constant in life�

Financial planning is not a one-time process. Life, your goals, tax laws, & your financial world have a way of changing, sometimes dramatically. It is quite unfortunate fact that though we spend more than half of our lives working & saving, but we hardly spend any time in contemplating on putting our hard-earned money to work more effectively for us. This approach leads to various Financial Leakages which often causes a financial disaster in the long run. Keeping a regular eye on our personal finances & sealing these financial leakages helps us to make the most of our money.

Let us take a resolution in this new year that we take charge of our finances wisely as we alone are the architects of our financial future. Reviewing provides us an early signal & prevents us from potential financial problems. Hence, we have identified few areas that need a regular review to help our financial plan running as planned: Review your Goals- You should review your goals & find out if there are changes in your life, changes in job/increments/ loss, if any of your goals have been achieved; if there have been birth or death in your family, or change in the family size on account of marriage; it makes sense to relook at the goals & re-set the plan.

You should also assure that your saving plan is on track. If you are even not able to save for your high priority goals such as children education, children marriage or retirement then you should curtail your discretionary expenses.

Review your Loans- You should review your existing loans & ensure that all loans help you in increasing your net worth (assets- liabilities). In case they do not, you should plan for repaying the same. You should also review that your interest cost on loan is less than return on your investments. If it is not then you should redeem your low yield investments to repay loans. You should also find out the ways to reduce your interest burden.

Review your Insurance policies- Insurance is often the most crucial & yet the most overlooked

aspect of financial planning. Though most of us take life insurance or health insurance covers but the amount of cover is usually inadequate. While buying life insurance, you need to consider the immediate, future & living expenses that your family might have to incur in case a tragedy strikes you. The right strategy is to buy pure term insurance with adequate cover. Hence, you should not mix insurance & investment. If you have life insurance policies other than the pure term insurance then, it is time for your to reconsider them.

Review your Investments: Year 2012 was characterized by sheer pessimism for the retail investors & hence most of the investors chose to stay away from the markets. However, as a matter of fact, equities generated more than 25% return in the past year, which was the highest among all the asset classes. If we look back, in the year 2008 there was a lot of optimism for equities & in the year 2010, there was a lot of optimism for silver but the returns in these asset classes were substantially negative in those years. Hence, our investment decisions should not be marked by pessimism or optimism about any asset class whereas they should be based on the correct Allocation.

Asset Allocation decision involves deciding the percentage of investable funds to be placed in equities, bonds, real estate, gold, & cash equivalents. It is decided on the basis of investors’ return requirements, risk tolerance & the time horizon in conjunction with the expectation about the capital markets & individual asset class.

You should also review risk & return of your individual investments & should take corrective measures if it has underperformed the benchmark.

Prepare & Review your WILL: Most of the individuals do not opt for making WILL just because they do not possess many assets or are under the impression that they have already made nomination. No doubt, nomination is a great help to successors but the Nominee can hold the assets only in the capacity of a trustee. In such a case, the nominee has to pass the assets to its successors. Hence, it is prudent to write WILL in addition to nomination. An important point to note here is that you have all the rights & privileges over your assets during your life time even after you have written your WILL.

SHUTTLING LIFE QUITE SUCCESSFULLY – SAINA NEHWAL The living legend, Saina Nehwal is considered as the legendary Native Indian Badminton player and she is probably the best women Native Indian Badminton player currently in Native Indian. If you talk about Early Life of Saina Nehwal then you will notice that how much she struggled to get this position in the field of badminton sports. She has obtained some amazing achievements in past one season like accomplishing the second position on the globe, successful three worldwide competitions returning to returning and unpleasant top seeded players in Globe Badminton. Her greatest accomplishment is that she became the first Native Indian woman to arrive at the Qt. Final circular at the Olympic Activities. She was granted Rajiv Gandhi Khel Ratna Prize this season for her spectacular performance in worldwide competitions.

Early Life of Saina Nehwal was full of hard work and practicing the badminton all the time. Saina Nehwal connected to the Hisar in Haryana and she got her badminton genetics from both of her mom and father such as Dr. Harvir Singh and mom Usha Rani. Her mom and father were former State Badminton Winners. Dr. Harvir Singh motivated her girl to take up activity of badminton. Saina started playing badminton at a soft age of eight under the cautious sight of her trainer Nani Prasad. She implemented a challenging exercising routine from the beginning. She was qualified further under S.M. Arif who is a Dronacharya Top rated Badminton instructor. The renowned Pullela Gopichand’s academic circles of great Badminton became the proving floor of Saina Nehwal where she had designed her activity and refined her skills.

In Early Life of Saina Nehwal, She won the Nationwide Younger Title in the season 2004, and protected it again in the year of 2005. She won the Nationwide Mature Title in the year of 2006 and efficiently got it again in the year of 2007. In addition to this, she has also won the All Native Indian Jr. Ranking Tournaments organized at

Chennai in the year of 2005 and All Native Indian Mature Ranking Competition at Mumbai. She was also the clear champion at the Nationwide Activities that took place at Guwahati.

Saina has shown her mettle at the international badminton landscape by beating many top seeded players. She won the Extremely Sequence tournament, by getting the Indonesian start last year with success over higher-ranked China Wang Lin. She ongoing her successful ability by successful second Extremely Sequence headline of her profession and won Singapore Open headline on July 20, 2010. She finished her hat technique of headline by successful Indonesian Open on July 27, 2010. The Early Life of Saina Nehwal was very much inspiring and full of hard work and dedication. Saina finished her education at renowned B. V. Bhavan's popular Vidyashram.

It is also known as NIRD School, Rajendranagar, and Hyderabad. Nehwal has a darkish buckle in Martial arts. However, she stops Martial arts at the age of eight, when Nehwal was requested to have a motorbike run over her abdomen. She used Badminton game in Badminton courtyard of Staff Team of CCS HAU at a renowned institution of higher education itself.

The renowned Indian badminton star, Saina was also under-19 nationwide champion.

Saina designed record by successful the famous Oriental Satellite TV Badminton competition (India country Chapter) two times, fetching the only first contestant to do this. In the year 2006, Saina Nehwal showed up on the international landscape when saina became very first Native Indian female to come first a four plus star competition, the Malaysia Start. Arriving into the competition just like 86th seeds, she went on to stagger numerous top seeded badminton players such as the then globe variety four renowned Xu H. before overpowering famous J. W. or Pei of the country of Malaysia for an important headline. The same season Saina was also the sprinter upbeat in the 2006 season BWF globe Younger competition, where Saina missing an intricate demeanor go with against top seeds China W. Yihan, the great gamer. She also did excellent in the important season of 2008 year by fetching the only first Native Indian citizen to

triumph the prestigious globe Younger Badminton Tournament by defeating ninth seeded Japoneses Sayaka Sato with 21–9, 21–18.

Nehwal became the first Native Indian woman to arrive at the one / four finals at the Olympic Activities when she disappointed globe variety five and 4th positioned W Chen, the great gamer of the reign of Hong Kong at very important three-time games suspenseful story. In an important quarterfinals, Saina was missing a claw biting down difficult 3-player to globe variety 16 Nancy Kristin Yulianti. In Sept 2008 season, she also won popular player Y. China Taipei Start 2008 defeating L. C. L. Ya, the great gamer of Malaysia country 21–8 and 21–19. Nancy Yulianti had previously missing her quarterfinal go with to renowned P. Bernadet, the great Indian player’s half-match challenger, thus doubting Saina Nehwal an important rematch.

The Indian player was known as The Most Appealing Player in the year of 2008. She achieved the globe extremely sequence semifinals in the 30 days of Dec 2008.

On 21 July 2009 season, Indian gamer became the only first important Native Indian citizen to triumph a prestigious BWF tremendous succession headline, the most popular badminton sequence around the globe by successful the Malaysia Start. She defeats China Wang Lin in the ultimate 12–21 and 21–18 or 21–9. The great Indian gamer on successful the antagonism said that she had been highly desire to win a tremendously succession competition since my one / four last overall look at the renowned Olympics. Renowned badminton player is on the equivalence with company renowned Prakash Padukone and her tutor Pullela JI who both greatly won the prestigious complete Britain championships which are of identical position to the extremely sequence. In Aug 2009, she achieved the quarterfinals of globe title dropping to the important second positioned L. Wang, the great gamer. Saina Nehwal was honored with Arjuna prize in Aug 2009 and her trainer Gopichand was also honored with Dronacharya prize simultaneously. Saina has been finalized up

by Olympic Silver Pursuit to back up her in satisfying her desire of successful the Olympic

gold honor. Saina has been granted with Padma Shri prize in Jan 2010. Saina is the product ambassador of Deccan chargers, and Native Indian Leading Group possessed by Deccan Explain. She has been appointed among eight product ambassadors of 2010 Earth Activities organized on New Delhi Indian.

The great Indian player was granted the biggest nationwide wearing prize provided to an important player, the prestigious Rajiv-Gandhi, Ex- prime minister of India Khel-Ratna prize on 29 Aug 2010. On 14th of Oct 2010 seadon, Saina greatly won the prestigious gold honor against Wong M. Choo of the country of Malaysia 19–21 or 23– 21as well as 21–13 in renowned CWG of Delhi city and by this means increasing a massive time in India's badminton record.

On 12 Dec 2010 season she succeeded the prestigious Hong Kong extremely sequence defeating greatly W. Shixian, the great gamer of China suppliers 15–21 and 21–16 as well as 21– 17. Great Indian gamer also won season 2010 Earth games gold in the female’s single men and women badminton occasion organized in the Siri Ft Audience, Delhi, on 14 Oct 2010. On 10 July 2012, she also won the Thailand Start Huge Corrt Silver last defeating greatly R. Inthanon at important three places. On 17 July 2012, she efficiently had gotten back the Indonesian title by defeating Li Xuerui of China suppliers. It was her important third Indonesian country open headline, having greatly won this prestigious headline twofold earlier than last season and 2010. In London, United Kingdom Olympic Games 2012, she designed record, as she was recognized as first Native Indian nation yet to succeed an important Olympic honor in badminton. Enjoying her brown honor go with against the World variety 2 of China suppliers Wang Xin of China suppliers Saina finished on a successful observe after her challenger admitted the go with due to a joint damage after getting a 1–0 cause. Cricket tale Sachin Tendulkar provided a product new amazing BMW vehicle to renowned Saina Nehwal blessed by Andhra Badminton Organization for successful a brown honor at the London, United Kingdom Olympic games 2012.

Since we did not have any interesting movies releasing this week we decided to give you a summary of Awards given away at various awards ceremony for films released in 2012 CATEGORY FILMFARE ZEE SCREEN Salman Khan (Dabangg Ranbir Kapoor (Barfi!) / Best Actor Ranbir Kapoor (Barfi!) 2) Irrfan Khan (Pan Singh) Vidya Balan ( Priyanka Chopra Best Actress Kahaani) (Barfi!)

Vidya Balan ( Kahaani) Best Film Barfi!

Anurag Basu (Barfi!)

Paan Singh Tomar Sujoy Ghosh Best Director (Kahaani) Barfi!

Anurag Basu Barfi Anurag Kashyap, Akhilesh Jaiswal, Sachin K Ladia, Tigmanshu Dhulia And Bhavesh Mandlia-Umesh Zeishan Qadri (Gangs Sanjay Chauhan (Paan Shukla (Omg:Oh My Best Dialogue Of Wasseypur) Singh Tomar) God)

Best Screenplay

Sanjay Chouhan & Tigmanshu Dhulia (Paan Singh Tomar)

Anurag Basu (Barfi!)

Sanjay ChouhanTigmanshu Dhulia (Paan Singh Tomar)

Best Story

Juhi Chaturvedi (Vicky Donor)

Sujoy Ghosh And Advaita Kala (Kahaani)

Sujoy Ghosh-Advaita Kala (Kahaani)

Annu Kapoor (Vicky Donor) Anushka Sharma (Jab Tak Hai Jaan) Pritam (Barfi!)

Gulzar (Challa), Jab Tak Hai Jaan

Nawazuddin Siddiqui (Talaash) Anushka Sharma (Jab Tak Hai Jaan) Pritam (Cocktail) Kausar Munir Pareshaan (Ishaqzaade) Sonu Nigam (Abhi Mujh Mein Kahin Agneepath)

Nawazuddin Siddiqui (Talaash) Dolly Ahluwalia (Vicky Donor) Pritam: (Barfi!)

Javed Akhtar (Talaash, Muskanein Jhoothi Hain)

Shreya Ghoshal (Saans Jab Tak Hai Jaan) Shalmali Kholgade (Pareshaan Ishaqzaade)

Shalmali Kholgade (Ishaqzaade)

Best Supporting Actor (Male) Best Supporting Actor (Female) Best Music Director Best Lyrics Best Playback (Male) Best Playback (Female) Upcoming Singing Talent Lifetime Achievement Award

Ayushmann Khurrana (Paani Da Rang) Shalmali Kholgade (Pareshaan) ( Ishaqzaade) Neeti Mohan (Jiya Re) (Jab Tak Hain Jaan)

Javed Ali (Ishaqzaade)

Yash Chopra

Best Debut (Male)

Ayushmann Khurrana (Vicky Donor)

Best Debut (Female)

Ileana D'cruz (Barfi!)

Arjun Kapoor (Ishaqzaade) And Ayushmann Khurana (Vicky Donor) Yami Gautam (Vicky Donor) And Ileana D'cruz (Barfi!)

Best Debut (Director)

Gauri Shinde (English Vinglish)

Gauri Shinde (English Vinglish)

Aayushman Khurana (Vicky Donor) Ileana D'cruz (Barfi) Gauri Shinde (English Vinglish)

Aquarius - A slight or insult could be forgiven quickly. They know not what they do. You can make a rebuttal or lodge a formal complaint, but stick to the issue at hand. HC 9 ,10,11 information is fast and furious, travel problems may arise and you have the energy to deal with it all. Finish one task before you move to the next.

Pisces - If you find your temper flaring, count to 100. Something has to change. Start with your attitude, direction and communication techniques.

Separate from what isn't doing you any good. The middle of the month holds surprises. HC 11,12,13 really think about what you want to do and where you want to be in two years.

Leo - Avoid over indulging, and slacking off when there is work to do. By all means play when the day is done, especially during you HC 9 ,10,11, but before then keep your nose to the grindstone. A period of adjustment has started and it's easy to over look things. Make obvious changes first and then fine tune the details.

Virgo - All eyes are on you and hanging on your every word. Be very good your stock soars. Be ungracious, rude or unprepared and people will make a mountain out of what would be a mole hill at another time. LC 11,12,13 eat right, get enough sleep and take life with a grain of salt .

Meet, greet and shine through Apr 12.

Aries - You are finishing up a 2 ½ year phase.

Clear out closets, files, etc. Set things up so people will say "wow, they are really good". You want to be able to start something new with a clear conscience. Half of you will be having big communication, travel or relationships surprises mid-month. HC 14 ,15,16 let people see you shine.

Libra - Communications and travel should still be relatively trouble free, considering Mercury Retrograde. Make use of easy avenues, call in favors or ask for extra help all week. A period of adjustment can frustrate you if you can't see the forest for the trees. See the big picture. LLC 14,15,16 eat right and get enough rest.

Taurus - Pressure has dropped off in some area.

After you take a couple of days to rest, get back to it hard and heavy. Besides Mercury Retrograde goof-ups, you have a clear path to tackle and complete your objectives. People respond positively to what you are trying to do. You can be effective by yourself or in groups.

Scorpio - Maintain self discipline. Over indulging can lead to costly mistakes. On the plus side, you should be able to work from center and get most tasks done easily. Double check everything before it goes out or as information is available. Something is missing. Come back to your center to find it.

Gemini - Be silver tongued when people question or confront. If you placate people, you can carry on at full speed. Actually, questions may do you the favor of forcing you to focus on what you are doing and why. Be willing to bounce ideas around. Socializing has many benefits now.

Mixing business with pleasure is okay.

Sagittarius - Life starts moving faster. Everyone seems to want something or deadlines loom large and Mercury is still Retrograde. Show them how brilliant you are by double checking, making quick fixes, and being prepared for every disaster.

Stand your ground on important issues, compromise or give away on the others.

Cancer - LLC 8 ,9 eat right and rest well. As the week moves on, your strength and confidence increases. It isn't ideal to start new things until after the 18 th; see if you can finish old or partially completed projects first. Prepare thoroughly now. Sometimes good luck is just a matter of having the right stuff when needed.

Capricorn - HC 8,9 you have the energy needed for most anything. Take on new responsibilities eagerly. It may entail more work than you expected but the chances are it will develop into something really good. Stay focused on goals set two months ago. Do your Must-Do list before the Like-to-do list.

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Sashin Shah – 9820966500 Bhavik Veera - 9820566451 LETTER FROM THE EDITOR Dear Friends, Hello and welcome to one and all, at UTH-N-YNG we have tried our level best to provide you with content and topics that are useful to you and can help you in your day to day life.

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