31 July 2014

हाथ में टच फ़ोन, बस स्टेटस के लिये अच्छा है… सबके टच में रहो, जींदगी के लिये ज्यादा अच्छा है…

एक था भगवान,

एक था शैतान…..

दोनों में जब झगड़ा हुआ तो,

बहुत हुआ नुकसान….

दोनों ने मिलकर,

निकाला समस्या का समाधान….

एक खिलौना बनाया,

और उसका नाम रखा इंसान….

शैतान ने अपनी ताकते दी,

क्रोध,धंमड और जलन…..

भगवान ने अपने अंश दिये,

प्यार,दया और सम्मान…


भगवान से

मुस्कराकर बोला शैतान,

न तेरा नुकसान,न मेरा नुकसान……

तू जीते या मैं जीतू,

हारेगा इंसान …..


और इसलिए कहते है…


कोई टूटे

तो उसे सजाना सीखो,

कोई रुठे तो उसे मनाना सीखो …

रिश्ते तो मिलते है मुकद्दर से,

बस उन्हे खूबसूरती से

निभाना सीखों।


जन्म लिया है

तो सिर्फ साँसे मत

लीजिये,

जीने का शौक भी रखिये..


शमशान

ऐसे लोगो की राख से…

भरा पड़ा है

जो समझते थे,,, दुनिया उनके बिना चल

नहीं सकती.


हाथ में टच फ़ोन,

बस स्टेटस के लिये अच्छा है…

सबके टच में रहो,

जींदगी के लिये ज्यादा अच्छा है…


ज़िन्दगी में ना ज़ाने कौनसी बात

“आख़री” होगी,

ना ज़ाने कौनसी रात “आख़री”

होगी ।

मिलते, जुलते, बातें करते रहो यार

एक दूसरे से, ना जाने

कौनसी “मुलाक़ात” आख़री होगी..


Tribute To all My Beloved Friends…




Filed under: Being You



from: http://bit.ly/1u1VI90

on: July 31, 2014 at 08:20AM

26 July 2014

Definition of ‘Combined Ratio’ for Insurance Business

Definition of ‘Combined Ratio’


A measure of profitability used by an insurance company to indicate how well it is performing in its daily operations. A ratio below 100% indicates that the company is making underwriting profit while a ratio above 100% means that it is paying out more money in claims that it is receiving from premiums.


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The combined ratio is comprised of the claims ratio and the expense ratio. The claims ratio is claims owed as a percentage of revenue earned from premiums. The expense ratio is operating costs as a percentage of revenue earned from premiums. The combined ratio is calculated by taking the sum of incurred losses and expenses and then dividing them by earned premium.


Calculated as:


Combined Ratio

Shashi explains ‘Combined Ratio’


Even if the combined ratio is above of 100%, a company can potentially still make a profit, because the ratio does not include the income received from investments.


Many insurance companies believe that this is the best way to measure the success of a company because it does not include investment income and therefore only includes profit that is earned through efficient management.




Filed under: Must Know It Tagged: Insurance



from: http://bit.ly/1t7Sfbo

on: July 26, 2014 at 05:10PM

ऐ मेरे वतन के लोगों, कुछ याद उन्हें भी कर लो जो लौट के घर न आए, जो लौट के घर न आए…

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ऐ मेरे वतन के लोगों, तुम खूब लगा लो नारा

ये शुभ दिन है हम सब का, लहरा लो तिरंगा प्यारा

पर मत भूलो सीमा पर, वीरों ने है प्राण गंवाए

कुछ याद उन्हें भी कर लो, कुछ याद उन्हें भी कर लो

जो लौट के घर न आए, जो लौट के घर न आए…


ऐ मेरे वतन के लोगो, ज़रा आंख में भर लो पानी

जो शहीद हुए हैं उनकी, ज़रा याद करो कुरबानी

ऐ मेरे वतन के लोगों ज़रा आंख में भर लो पानी

जो शहीद हुए हैं उनकी, ज़रा याद करो कुरबानी

तुम भूल न जाओ उनको, इसलिए सुनो ये कहानी

जो शहीद हुए हैं, उनकी, जरा याद करो कुरबानी…


जब घायल हुआ हिमालय, ख़तरे में पड़ी आज़ादी

जब तक थी सांस लड़े वो… जब तक थी सांस लड़े वो, फिर अपनी लाश बिछा दी

संगीन पे धर कर माथा, सो गए अमर बलिदानी

जो शहीद हुए हैं उनकी, ज़रा याद करो कुरबानी…


जब देश में थी दीवाली, वो खेल रहे थे होली

जब हम बैठे थे घरों में… जब हम बैठे थे घरों में, वो झेल रहे थे गोली

थे धन्य जवान वो अपने, थी धन्य वो उनकी जवानी

जो शहीद हुए हैं उनकी, ज़रा याद करो कुरबानी…


कोई सिख कोई जाट मराठा, कोई सिख कोई जाट मराठा,

कोई गुरखा कोई मदरासी, कोई गुरखा कोई मदरासी

सरहद पर मरनेवाला… सरहद पर मरनेवाला, हर वीर था भारतवासी

जो खून गिरा पर्वत पर, वो खून था हिंदुस्तानी

जो शहीद हुए हैं उनकी, ज़रा याद करो कुरबानी…


थी खून से लथ – पथ काया, फिर भी बंदूक उठाके

दस – दस को एक ने मारा, फिर गिर गए होश गंवा के

जब अंत समय आया तो…. जब अंत-समय आया तो, कह गए के अब मरते हैं

खुश रहना देश के प्यारो… खुश रहना देश के प्यारो

अब हम तो सफ़र करते हैं… अब हम तो सफ़र करते हैं


क्या लोग थे वो दीवाने, क्या लोग थे वो अभिमानी

जो शहीद हुए हैं उनकी, ज़रा याद करो कुरबानी

तुम भूल न जाओ उनको, इसलिए कही ये कहानी

जो शहीद हुए हैं, उनकी जरा याद करो कुरबानी

जय हिंद, जय हिंद, जय हिंद की सेना… जय हिंद, जय हिंद, जय हिंद की सेना..

जय हिंद, जय हिंद जय हिंद, जय हिंद जय हिंद, जय हिंद…


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कारगिल युध्द भारत और पाकिस्तान के बीच मई और जुलाई 1999 के बीच कश्मीर के करगिल जिले में हुए सशस्त्र संघर्ष का नाम है।


पाकिस्तान की सेना और कश्मीरी उग्रवादियों ने भारत और पाकिस्तान के बीच की नियंत्रण रेखा पार करके भारत की ज़मीन पर कब्ज़ा करने की कोशिश की। पाकिस्तान ने दावा किया कि लड़ने वाले सभी कश्मीरी उग्रवादी हैं, लेकिन युद्ध में बरामद हुए दस्तावेज़ों और पाकिस्तानी नेताओं के बयानों से साबित हुआ कि पाकिस्तान की सेना प्रत्यक्ष रूप में इस युद्ध में शामिल थी। लगभग 30,000 भारतीय सैनिक और करीब 5,000 घुसपैठिए इस युद्ध में शामिल थे। भारतीय सेना और वायुसेना ने पाकिस्तान के कब्ज़े वाली जगहों पर हमला किया और धीरे-धीरे अंतर्राष्ट्रीय सहयोग से पाकिस्तान को सीमा पार वापिस जाने को मजबूर किया। यह युद्ध ऊँचाई वाले इलाके पर हुआ और दोनों देशों की सेनाओं को लड़ने में काफ़ी मुश्किलों का सामना करना पड़ा। आणविक शस्त्र बनाने के बाद भारत और पाकिस्तान के बीच हुआ यह पहला सशस्त्र संघर्ष था।


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Filed under: Inspiring Shashi



from: http://bit.ly/1t4YQn5

on: July 25, 2014 at 11:46PM

25 July 2014

मैं कल रात नहीं रोया था..

मैं कल रात नहीं रोया था

दुख सब जीवन के विस्मृत कर,

तेरे वक्षस्थल पर सिर धर,तेरी गोदी में चिड़िया के बच्चे-सा छिपकर सोया था!

मैं कल रात नहीं रोया था!


प्यार-भरे उपवन में घूमा,

फल खाए, फूलों को चूमा,

कल दुर्दिन का भार न अपने पंखो पर मैंने ढोया था!

मैं कल रात नहीं रोया था!


आँसू के दाने बरसाकर

किन आँखो ने तेरे उर पर

ऐसे सपनों के मधुवन का मधुमय बीज, बता, बोया था?

मैं कल रात नहीं रोया था!


#हरिवंशराय बच्चन




Filed under: Inspiring Shashi



from: http://bit.ly/1nCROSO

on: July 25, 2014 at 11:25PM

19 July 2014

Ways to Be Good to Yourself

“When you are immune to the opinions and actions of others, you won’t be the victim of needless suffering.” ~Miguel Ruiz


Have you ever opened a spring-loaded email? You know, the kind with a nasty barb inside that hits you like a punch in the gut?


My business partner and I had recently launched our new podcast, and he had forwarded me an email he’d received from a viewer.


“Just watched Episode One,” the writer said. “GREAT idea! But WAY too much talking. Want specifics, not Melissa’s self-indulgent blathering on about the creative process…”


Ouch. My vision blurred at this point, and the rest of the missive was lost on me. A hot flush prickled my skin from head to toe.


I recognized this feeling: it was something I’d been doing my best to avoid since early childhood. For much of my life, fear of criticism had kept me small and timid, hiding under my shell. Over the past several years, though, I’ve been stepping out of the shadows, playing bigger, putting myself and my work out in the world more boldly.


I knew it was only a matter of time before critics started lobbing nastygrams my way, and thankfully, I was prepared.


If you want to live a big, bold, creative life, one of the first orders of business is learning how to deal with criticism.


The more you step out into the spotlight, whether literally or figuratively, the more attention and feedback you’re going to get, and not all of it will be positive.


As kids on the playground, we chanted that “sticks and stones may break my bones but words can never hurt me,” but words can and do hurt. They have the power to destroy us if we let them.


How, then, do we armor up against criticism?


Here are five tools that will help you grow a thicker skin.


Tool #1: Separate fact from interpretation.


When I opened that nastygram from the podcast viewer, it would have been easy to interpret it as defining a core truth about me.


Instead, I reminded myself that her assessment wasn’t objective truth; it was merely her opinion. I might not like her opinion, but ultimately it has nothing to do with me, or with objective reality.


In the same way, if I launch a new workshop or offer a painting for sale, and nobody buys, it’s easy to leap to thoughts like “My work sucks. I suck.”


The fact that I didn’t make a sale doesn’t actually tell me anything about me or my work, however. All I really know is that this particular offer wasn’t compelling to this particular audience at this particular moment.


Separating fact from interpretation can help prevent you from sliding down into a rat hole of “I suck.” And it can even help you make tactical decisions going forward: if this audience didn’t buy, maybe I want to change my messaging, or maybe I want to find a new audience!


Tool #2: Find the shiny, red button.


Have you ever noticed how certain criticisms roll right off, like water off a duck’s back, but others cut you to the core, no matter what you do?


In elementary school, when the boys tried to taunt me by fiddling with my last name, Dinwiddie, and calling me “Dumb-widdie,” it was annoying, but it didn’t really hurt. Nor did it stick, because I had a core belief that I was smart. There were no fears or beliefs about myself for the insult to hook into.


On the other hand, for many years whenever someone called me selfish, it flattened me.


Somehow I got a message as a very young child that I was selfish. Then in my first marriage, whenever I wasn’t able to meet my husband’s needs, he declared that I was selfish. Even when my friends and family reflected back that I was loving and generous, those early beliefs were like a big, shiny, red button with a hair trigger, that got pushed really easily.


For years, the tiniest comment that I was acting in my own self-interest threw me into a frenzy of self-doubt and anxiety. As a result, I bent over backward for others in an attempt to prove that I wasn’t selfish.


No wonder an accusation that I was “self-indulgently blathering on” stung me so badly!


The criticism isn’t actually the problem here; it’s the beliefs we hold about ourselves.


When we can notice which criticisms wound us the most deeply, it shines a light on what our beliefs are. Not only can this help us to find neutrality again, with this outlook, criticism can actually become a valuable tool for self-growth.


Tool #3: Reframe criticism as positive fuel.


Years ago, when I was a beginning calligrapher, a master teacher invited me to show him my portfolio.


I was scared to hear his critiques, until he assured me, “I’m simply going to tell you how you can make your work better.” Suddenly, instead of being terrified of his feedback, I was hungry for it.


Alas, not all of our critics will be so gentle and well intentioned. It’s not always easy to practice neutrality, but the more we can shift our mindset to look for the lesson beneath the venom, the more even negative comments can be useful to us, and even empower and fuel us to keep going and make our work better.


Tool #4: Ignore anyone on the sidelines.


That said, sometimes feedback isn’t useful at all. TED speaker and best-selling author Brené Brown has received comments on her videos such as, “If I looked like Brené Brown, I’d embrace imperfection too.”


This kind of insult has nothing to do with the work in question. It’s designed to hurt, not to help, and it has nothing useful to offer.


If there are some cases when a criticism can be useful, and other cases when it does no good at all, how do we sift through feedback to determine what to pay attention to, and what to ignore?


Brown likens nasty, unhelpful comments to the insults screamed down from the stands at the gladiators fighting in the arena below. It’s easy to yell that someone else can’t fight their way out of a paper bag when you’re sitting safely out of harm’s way.


So ask yourself if your critics are offering opinions that are truly useful to you. Are they metaphorical gladiators, fighting alongside you in the arena? Or are they potential recipients of your work?


If your critic is neither of the above, it’s likely they’re trolls hanging around on the sidelines. Ignore them.


Tool #5: Find a thick-skinned role model.


Did you know that Dr. Seuss, whose books sold millions over his lifetime, had his first book rejected at least twenty times? Thank goodness he persisted!


It’s easy to think that being on the receiving end of criticism means something is wrong with us, but the truth is, being criticized is a hallmark of doing cutting-edge, important work! Countless people who are now known for amazing things were criticized or rejected at first.


Think of Madonna, Lady Gaga, Hilary Clinton, Gloria Steinem: whether or not you like their work or what they stand for, you have to admit that these women each touched a nerve in our culture, and have gotten a ton of criticism as a result. Yet they never gave up.


The next time someone lobs a bomb your way, think about someone you admire, who kept forging ahead, despite their critics. You might even want to post their picture, or quotes by them, by your workspace to inspire you to keep going.


There you have it—my five favorite tools for handling criticism. Hopefully these will help you grow a thicker skin!


“Self-love requires you to be honest about your current choices and thought patterns and undertake new practices that reflect self-worth.” ~Caroline </strong




Filed under: Inspiring Shashi



from: http://bit.ly/1wGGJRG

on: July 19, 2014 at 08:09AM

15 July 2014

A Beautiful Birthday Wish: Let’s divine mother fulfill your dream

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lets divine mother fulfill your dream



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Sent by Suman kumar (Bhaiya)


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Suman Kumar



Thanks Bhaiya




Filed under: I Wish



from: http://bit.ly/W5vzLl

on: July 15, 2014 at 07:22AM