Vishwasta

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009  ©.40/-

efJeMJemle mebkeÀuHeves®es pevekeÀ - je<ì^efHelee

efJeMJemle J³eJemLee DeeefCe mebmLeeb®³ee efJekeÀemeemeeþer Jeeefnuesues ceeefmekeÀ

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cebefojs, osJeUs, ceþ, pewveeue³es, yeewOoefJenej, ceefmpeo, oiee&n, Foieen, Fceeceyee[e, meje³e, keÀye´mleeve, JekeÌHeÀ, ®e®e&, Dei³eejer, ìe@Jej Dee@HeÀ mee³euesvme, efmevesiee@ie, iegªÜeje, Oecee&oe³e mebmLee-efMe#eCe mebmLee, Oece&MeeUe, Jemeefleie=ns, Deved veesoCeerke=Àle Devveí$esp³eekeÀejCes efJeMJeemetefve meesHeefJeueer ceeuecellee l³eeef®e keÀejCes efveuexHe-efvemJeeLeea efveJe&nve keÀjer leesef®e efJeMJemle !

GodYeJeuesu³ee JesieJesieȳee HeefjefmLeleer efve Ie[l³ee JeeoefJeJeeoer, keÀe³eÐeeb®eer meeÐeble ceeefnleer, meuuee HegjJeer, peveepeeiejCe keÀjer lesef®e ceeefmekeÀ efJeMJemle !

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

ceveesiele.... efJeMJemle ®eeueues Heg{s....

ceens peevesJeejer®³ee 30 leejKesuee je<ì^efHelee cenelcee ieebOeer ³eeb®ee mce=leerefove Deens. l³ee efveefcelle ceens peevesJeejer 2009 ®ee ceeefmekeÀ efJeMJemle®ee meeleJee DebkeÀ l³eeb®³ee mce=leerme meceefHe&le keÀjerle Deenesle. DeefKeue ceeveJelesuee ceeie&oMe&keÀ, He´sjkeÀ Je Jeboveer³e þjuesu³ee yeeHetb®³ee DeeoMee&le l³eebveer l³eeb®³ee peerefJele keÀeUele mLeeHeve kesÀuesu³ee iegpejeleceOeerue iegpejele efJeÐeeHeerþ Je osMeYejeletve keÀener ieeJeebceO³es je<ì^er³e MeeUe mLeeHeve keÀªve l³eeletve mJeeleb$³ee Deeboesuevee®³ee DeefnbmeelcekeÀ ®eUJeUerle DemenkeÀej ³ee veeefJev³eHetCe& ®eUJeUer®ee DebleYee&Je kesÀuee. pevelesuee MeemekeÀer³e v³ee³e mebmLee Je efMe#eCe mebmLeemeefnle meJe& ³eb$eCeebJej yeefn<keÀej IeeueC³ee®ee DeeosMe efouee. osMeer efMe#eCeemeeþer je<ì^er³e mebkeÀuHevesJej DeeOeeefjle je<ì^er³e MeeUe keÀe{C³eeme 21 HesÀyeg´Jeejer 1921 uee osMeYejeletve He´eslmeenve efoues. l³eeuee peveles®ee ogo&c³e He´eflemeeo ueeYeuee. ³ee je<ì^er³e efMe#eCeeletve ieerlee Je GHeefve<eoeleerue He´eLe&vesves efJeÐeeL³ee¥®eer ceeveefmekeÀlee efJekeÀefmele keÀªve Deefnbmee, mel³e, Demles³e Deeoer SkeÀeoMe Je´leebveer mebmkeÀej Ie[efJele mJeosMe, mJeOece& Je mJeeefYeceevee®³ee He´sjCee efou³eele. He´eLeefcekeÀ Je ceeO³eefcekeÀ mlejeletve efMeketÀve yeensj He[Ceejs efJeÐeeLeea HejeJeuebyeer jent ve³esle cnCetve l³eeb®³ee Meeues³e efMe#eCeele®e cegueesÐeesieeoer ÞecemeeOeves®³ee Jemletefve<þ efMe#eCee®eer Heeþ osC³ee®es He´³eespeve þsJeues.DeeHeCe mJeleë®e keÀe{uesu³ee metlee®³ee Keeoer®es keÀHe[s JeeHejCes Je mJeleë GlHeeoerle GlHeeoveeJej Je ie´eceesÐeesieebvee neleYeej ueeJeC³ee®es OeesjCe þsJeues. osMeHe´scee®es yeeUkeÀ[t ueeYetve mJeeleb$³eemeeþer meceLe& ue{Je³eeb®eer mesvee®e GYeer jeefnueer. l³eeb®ee J³eeHe Je ³eMemJeer DeeoMe& J³eJemLeeHeve ns mebmLee Je efJeMJemle mebmLeeb®³ee ®eeuekeÀebmeeþer vekeÌkeÀer®e DeeoMe&Yetle þjeJes. DeMee JebÐe mebmLeeHekeÀ efJeMJemleeb®³ee mcejCeeletve Deecner He´sjCee IesT Fef®ílees Je efle®e Heg{s meJe&mebyebefOele DeeHeCeeHe³e¥le Heesn®eefJeC³ee®eer ceefve<ee yeeUietve Deenesle.

mebmLee Je efJeMJemle mebmLeeb®³ee efnleemeeþer Deecner megª kesÀuesu³ee ceeefmekeÀ efJeMJemle®ee jeyelee melele DeefOekeÀeefOekeÀ GHe³egkeÌle Je keÀener þesme efJe®eejebJej DeeOeeefjle DemeeJee Demee Deece®ee He´eceeefCekeÀ He´³elve Deens. megªJeeleerme Deecner mebmLee Je efJeMJemle mebmLeeb®eer efveefce&leer l³ee mebyebefOe®eer He´efke´À³ee Je l³eemeeþer®eer DeeJeM³ekeÀ GHe³egkeÌle ceeefnleer osCes Deece®es keÀle&J³e mecepeuees. mebmLee keÀMeer mLeeHee³e®eer l³eeb®eer veeWoCeer Je keÀeueeblejele Ie[CeeN³ee yeoueeb®eer veeWo ³eemebyebOeele leebef$ekeÀ efve³ece DeeoeR®eer ceeefnleer meeoj kesÀueer. Hejbleg efJeMJemle kesÀJeU ceeefnleer®ee ðeesle ve neslee mebmLee Je efJeMJemle mebmLeeb®³ee He´l³e#e pe[CeIe[Ceerleuee mee#eeroej, ceoleer®ee nele Je ceeie&oMe&keÀe®eer YetefcekeÀe JneJee DeMeer Deece®eer OeejCee Dharma, violated, destroys; Dharma, cherished, protect.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

Deens. ³ee®ee DeLe& Demee veJns keÀer, mebmLee®eeuekeÀ - keÀe³e&keÀejCeer®es yeesì Oeªve l³eebvee MeneCes keÀªve mees[C³ee®ee DeeJe DeeCeeJee. Hejbleg efveefM®eleHeCes l³eebveer JesUesJeUer GodYeJeCeeN³ee mebmLeeb®³ee De[®eCeer®³ee JesUer KeN³ee ceeie&oMe&keÀe®³ee mJeªHeele ³ee ceeefmekeÀekeÀ[s yeIeeJes. kesÀJeU ceeefnleer®ee [esme HeepeC³eeHes#ee leer ceeefnleer DeefOekeÀ GHe³egkeÌle, HeefjHetCe&les®³ee peJeU Heesn®eCeejer DemeeJeer DeMeer Deece®eer OeejCee Deens.

`efJeMJemle'cegUs mebmLee Je efJeMJemle mebmLeeb®³ee owvebefove J³eJenejele J³ekeÌleerHe´ceeCes®e keÀe³e&#ecelesle Jee{ JneJeer, mJeleë®eer Je mebmLes®eer HeÀmeJeCetkeÀ nesT ve³es, Ye´<ìe®eeje®eer ogie¥Oeer vemeeJeer. keÀe³ece meeJeOeevelee, ef®ebleve Je O³eeme DemeeJee. mebmLeeb®³ee GefÎ<ìele pej oerve ogKeer oefueleeb®³ee peieC³eele ceoleer®ee nele osCes Demesue, lej l³eele HejesHekeÀeje®eer Dee{îelee vemelee menpe YeeJe DemeeJee. mebmLee meb®eeueveele meJee¥vee yejesyej IesTve peeC³ee®eer YeeJevee Demetve mel³ee®eer keÀeme DemeeJeer.

DeepeHe³e¥le mebmLee meb®eeueveeleues neleKeb[s lemes®e ve jenlee l³eele yeeHet®³ee He´sjCesves meb®eeueveele DeefOekeÀ HeejoMe&keÀlee, He´eceeefCekeÀHeCee, mel³ee®eer Je mesJes®eer Deeme ªpeeJeer Je mebmLeeb®³ee efJe<e³eer l³eeb®³ee GefÎ<ìebmekeÀì DeefOekeÀ DeemLee, meb®eeuekeÀebmen meJe& efJeMJemleelener mLee³eer YeeJeeves jeneJeer. DeMee He´³elveeb®³ee ceeie&oMe&keÀ keÀueeves Deecner peeCeej Deenesle. efJeMJemle Je mebmLee ®eeuekeÀeb®³ee ceveele keÀener ef®eblevee®eer DeHeefjne³e& iejpe DeOeesjsefKele keÀjC³ee®ee ceeveme Deens. ef®ebleveecegUs J³ekeÌleer®³ee J³eJenejele iegCeelcekeÀ yeoue Ie[C³ee®eer #ecelee Demeles, ns meJe&Þe=le DemeeJes.

DebkeÀe®³ee cegKeHe=<þeJej cenelcee ieebOeer®es ef®e$e, l³eebveer efvecee&Ce kesÀuesu³ee mebmLeeb®³ee HeeMJe&YetceerJej, jsKeeìuesues Deens. mJeeleb$³ee ue{îee®³ee He´sjCesmeeþer je<ì^YeeJevee Je je<ì^er³e efMe#eCee®eer cenlJee®eer iejpe cenelceepeerbveer nsªve l³ee efoMesves l³eebveer je<ì^er³e efMe#eCe osCeejs iegpejele je<ì^er³e efJeÐeeHeerþ Je MeeUe mLeeHeve keÀªve osMeYekeÌleer®³ee He´sjCee peeieJeu³eele. cnCetve l³ee keÀeUele pevelesves YeejeJetve peeTve pes meceHe&keÀ mebmLee meb®eeueve kesÀues l³eele efvemJeeLe& YeeJevee, ieesjiejeryeeb®eer keÀCeJe Je je<ì^er³e mJeeefYeceeve lemes®e yentpeveeb®es menYeeieerlJe ns IeìkeÀ nesles. Deepe mJeeleb$³eesllej lejer peveles®eer osMeemebyebOeele osMeYekeÌleer®³ee Je l³eemebyebOeeleu³ee peyeeyeoejer®ee DeYeeJe efometve ³eslees. Deeflejske̳eeb®³ee efvebÐe nu³ee efveefcelleeves efkebÀJee l³eeHetJeea keÀejieerue Deeke´ÀceCeecegUs Je mebmeosJejerue nuu³eecegUs pevecele keWÀêerle nesle Demeues lejer l³eemeeþer®eer keÀe³ece efve<þe Je osMeYekeÌleer®eer YeeJevee jeefnuesueer efomele veener. leer Hetve&peerefJele nesCes J³ekeÌleer®³ee Je mebmLeeb®³ee peerJeveele iejpes®es Deens. DeMee He´keÀej®ee mebYeeJ³e DeHesef#ele yeoue Ie[efJeC³ee®eer He´sjCee efvecee&Ce keÀjeJeer Demes ceveëHetleë Jeeìles. efJeMJemle l³ee efoMesves Jeeì®eeue keÀjleeve efomesue. ns meebiet Fef®ílees.

- ceveesnj FbieUs The opportunity for doing mischief is found a hundred times a day and of doing good, once a year.

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Devegke´ÀceefCekeÀe

JAN 2009 VOL. 1 ISSUE 7

9 peevesJeejer 200 DebkeÀ 7  Je<e& 1 ues 

 ©.40/-

es®es pevefHkeeleÀe ^e mle mebkeÀuHev

efJeMJe

- je<ì

ieebOeer®eer efJeMJemle J³eJemLes®eer mebkeÀuHevee (Trustship)ë ....................................... pes.yeer.þeketÀj. ....... 5 ieebOeerHe´efCele je<ì^er³e MeeUeb®es mJeªHe Je mebmLee ........ mebke´ÀceCe HeÀer®eme&.......8

uesues ceeefmekeÀ

meemeeþer Jeeefn

mLeeb®³ee efJekeÀe

mLee DeeefCe meb

efJeMJemle J³eJe

mebHeeokeÀ, He´keÀeMekeÀ

ceveesnj efMe. FbieUs men³eesieer mebHeeokeÀ pes. yeer. þeketÀj J³eJemLeeHeefkeÀ³e mebHeeokeÀ jepeWê meesveJeCes cegKeHe=<þ Je Debleie&le mepeeJeì mvesne Sme. efHeuueF& He$eJ³eJeneje®ee Hellee mebke´ÀceCe HeefyuekesÀMevme De@v[ keÀvmeuìbìmed 40, oeoespeer keÀeW[osJe mìsef[³ece, Keejìve jes[, þeCes -400 601.

HeÀesve: 022-22963986 ìsueerHe@ÀkeÌme: 022-25398080 ceesyeeF&ueë 9869342980 F&cesueë vishwastamagazine@gmail.com keÀesCel³eener ceefnv³eebHeemetve Jeie&Ceeroej neslee ³esF&ue Jeeef<e&keÀ Jeie&Ceer efJeMes<e DebkeÀemen ©.400/efkeÀjkeÀesU DebkeÀ ©.40/ns ceeefmekeÀ mebke´ÀceCe HeefyuekesÀMevme De@v[ keÀvmebuìbìmed®³ee Jeleerves He´keÀeMekeÀ Je ceeuekeÀ ceveesnj efMe. FbieUs ³eebveer ces.meer-ìskeÀ Dee@HeÀmesì efHe´vìmed,21, p³eesleer Fb[mì^er³eue Fmìsì, vetjer yeeyee oiee&, ceKeceueer leueeJe, þeCes ³esLes íeHetve 40, oeoespeer keÀeW[osJe mìsef[³ece,Keejìve jes[, þeCes - 400 601 ³esLes He´keÀeefMele kesÀues. meoj®es ceeefmekeÀ ns mJe³ebmesJeer mebmLee Je Oecee&oe³e v³eemeeb®³ee mebyebOeele ceeefnleer Jee®ekeÀebme JneJeer ³ee GÎsM³eeves He´keÀeefMele kesÀuesues Deens. ³ee ceeefmekeÀeleerue $eg=ìer mebyebOeele He´keÀeMekeÀ Je ceeuekeÀ ns peJeeyeoej jenCeej veenerle, l³ee®e He´ceeCes ³ee ceeefmekeÀeleerue meeefnl³eele He´keÀeefMele Peeuesu³ee uesKekeÀeb®³ee celeeMeer cegK³e mebHeeokeÀ mencele Demeleerue®e Demes veener. meJe& v³ee³eeue³eerve keÀecekeÀepeemeeþer þeCes Menj ner keÀ#ee jeefnue.

met#ce Je ueIeg GÐeespekeÀebmeeþer DeLe&J³eJemLee ..............ceveesnj FbieUs......10 DeeHelkeÀeueerve J³eJemLeeHevee®eer J³eeHleer Je mebmLeeb®eer YetefcekeÀe ................................ mebke´ÀceCe HeÀer®eme&......21 ®euee Deelee mebmLee veeWoCeeruee ®euee ..................-ceveesnj FbieUs...... 23 mJe³ebmesJeer mebmLeebmeeþer®³ee keÀpe& ³eespeveebmeeþer ceeefmekeÀ `efJeMJemle'®ee men³eesie ]........................ceveesnj FbieUs......30 He´yeesOevee®³ee efoMee ............................. He´e.Heer.Jner.Heeìerue...... 33 megJeCe& pe³ebleer Menjer jespeieej ³eespevee oeefjê³e efveceg&ueve .......................... mebke´ÀceCe HeÀer®eme&..... 37 `mebkeÀuHeefmeOoer' . ....................He¨eÞeer kewÀ. Heer. [er. peeOeJe....... 40 keÀe³eÐeeuee ie=efnle Oejlee ³esle®e veener ..................je.He´. jCeefoJes.....48 Dee³ekeÀj-HeefjieCeve Demes keÀjeJes ........................ceveesnj FbieUs......51 meceleesue Deenej .............................[e@.Sme.Sue.JeeIeceejs......52 YetefcekeÀe ...........................................ceveesnj FbieUs......61

Jesye meeF&ìJej osefKeue GHeueyOe

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

ieeb

ieebOeer®eer efJeMJemle J³eJemLes®eer mebkeÀuHevee (Trustship)

Oeer®³eevegmeej meJe& ceeveJeebvee pejer les yejesyejer®³ee #eceles®es vemeues, lejerner yejesyejer®³ee DeefOekeÀeje®eer mebOeer DemeeJeer. yegOoerJeeoer ueeskeÀ l³eeb®³ee keÀewMeu³ee®ee JeeHej keÀªve keÀceeJeleele. ieebOeer cnCeleele, yegOoerJeeve ueeskeÀ pes Þeerceble nesleele l³eebveer mebHelleer®es efJeMJemle JneJes. Jesieȳee Meyoele, SKeeÐee®³ee GlHevvee®ee ceesþe Yeeie meceepee®³ee keÀu³eeCeemeeþer JeeHeje³euee nJee. peCet meb³egkeÌle kegÀìgbyeeleu³ee meJe&®e cegueeb®es les GlHevve DemeeJes. Goe. ieebOeerpeer cnCeleele, Kes[îeeleu³ee peceerveoejeuee ueeskeÀeb®³ee efnlee®eb Yeeve þsJeeJe ueeiele. MeeUe mLeeHeve keÀªve MeslekeÀN³eeb®³ee cegueebvee efMekeÀefJeC³eele ceole keÀjeJeer ueeieles. DeeHeu³ee ceeuekeÀer®³ee DeveeJeM³ekeÀ Fceejleer MeeUe Je ªiCeeue³e megª keÀjC³eemeeþer osCes, Kes[gleebveer Meebleer Je Þeceeves jeneJes, DeMeer ieebOeerpeer DeHes#ee þsJeleele. jmles Pee[CeeN³ee, efJeefnjer Je leUer meeHeÀ keÀjCeeN³ee Kes[gleeb®³ee mebHetCe& Kes[îee®eer keÀeUpeer peefceveoejebveer IesC³eemeeþer ieebOeerveer peefceveoejebvee meuuee efouee. ieebOeeR®eer YeeJevee nesleer keÀer Mesle peefceveer®³ee MeslekeÀN³eeb®³ee GlHeeovee®ee Yeeie peefceveoeje®³ee yejesyejerves DemeeJee. mebHetCe& ieeJe kegÀìgbyeemeejKes jeneJes. MeslekeÀjer Je peefceveoejeleues Jeeo Jee{t ve³esle `meye Yetceer ieesHeeue keÀer' ³ee ueeskeÀefHe´³e GkeÌleerkeÀ[s les ue#e JesOele. l³eecegUs peceerve keÀesCee SkeÀe®eer vemetve leer meJe& ueeskeÀeb®eer Je jep³ee®eer Deens.

MeslekeÀN³eebveer menkeÀejer lelJeeJej peefceveer®es ceeuekeÀ JneJes Je efle®eer veebiejCeer Je keÀmeCeer SkeÀef$eleHeCes keÀjeJeer, Je He´l³eskeÀeves Þecee®³ee HeÀUe®ee DeefOekeÀej GHeYeesieeJee. efJeMJemle mebmLes®³ee lelJee®es cetU Yeejleer³e HejbHejsle®e Deens. GHeefve<eoeleu³ee GkeÌleervegmeej les He´YeeefJele Deens. meejs efJeMJe meJe&MekeÌleerceeve HejcesMJejeves J³eeHle Deens.

Heefjl³eeie ne GHepeerefJekesÀ®ee ceeie& Deens. cnCetve keÀesCeer keÀesCee®es Oeve Deesjyee[t ve³es.

DeHeefjie´n Je meceYeeJe meejK³ee Meyoebveer ceePeer HekeÀ[ Iesleu³ee®es ieebOeerpeer cnCeleele. Demee meceYeeJe keÀmee HeesmeeJee Je megjef#ele þsJeeJee ne He´Mve Deens. ceePes Fbie´peer®es efMe#eCe ³ee keÀeceer ceoleeruee Deeues mvesue®eer meceYeeJee®eer cnCeer®eer ®e®ee& ceuee DeeþJeles. `efJeMJemle' Meyoe®ee He´l³e³e ieerles®³ee efMekeÀJeCeerleu³ee He´keÀeMeele DeefOekeÀ mJe®íHeCes ceuee keÀUlees. `mJejepe' efkebÀJee `mJe³ebMeemeve' ns lelJe%eeveeleues SkeÀ cetuelelJe Deens. les ceeCemeeuee HetCe& J³eefkeÌlecelJee®eer He´sjCee osles l³ee®eyejesyej meceepee®eerner oKeue þsJeles. oeoeYeeF& veewjespeer Je yeeU iebieeOej efìUkeÀ ³eebveer `mJejep³e` Meyo je<ì^er³e mJeeleb$³e efceUefJeC³eemeeþer JeeHejuee. mJe³ebMeemeve efkebÀJee mJejep³e cnCepes keÀener vemetve les J³ekeÌleer®es efveCe&³e IesC³eele, keÀesCeeJej DeJeuebyetve ve jenlee mJe³ebefveCe&³e nesle.

Demeb ieebOeer®eb cnCeCe. `mJejep³e'®eer mebkeÀuHevee DeeOeer J³ekeÌleeR®³eele efvecee&Ce nesles Je veblej leer ke=Àleerle He´YeeJeerHeCes Glejles. ceie J³ekeÌleer DeeHeu³ee F®ísHe´ceeCes JeeieC³eeme mJeleb$e nesles. lemes®e, ueeskeÀeb®es mJejep³e cnCepes l³eeb®es iebleJ³e þjefJeles. DeMeeHe´keÀejs l³eeb®eer mJejep³e mebkeÀuHevee. pejer l³eeuee jepekeÀer³e DeLe& Demeuee lejer, leer J³ekeÌleerle ªpeuesueer Deens. ieebOeerb®³eevegmeej He´l³eskeÀ J³ekeÌleer meeOeer, efveëmJeeLeea Je Flejebvee ceeie&oMe&keÀ DemeeJeer. ieebOeerpeeRveer l³ee®eer KeeueerueHe´ceeCes leguevee kesÀueer. mJeJ³ekeÌleercelJeele mJejep³e efceUJeuesuee mebv³eeMeer J³ekeÌleer, DeeHeu³ee ceeie&oMe&veemeeþer meJee&le ³eesi³e Deens. ieebOeerpeeR®³ee celes ns keÀener vemetve meeceeefpekeÀ DeelceefveYe&jlesleu³ee

Law is necessary. But there are certain cases where the law of conscience overrules the written law.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

Jew³eefkeÌlekeÀ mJe³ebYetefcekesÀ®es SkeÀ$eerkeÀjCe Deens. `mJejepe' Meyo `mJeleb$e' MeyoeHeemetve JesieUe Deens. Hejbleg mJejep³e mJe³ebefMemleer®eer YetefcekeÀe Deens. ner J³ekeÌleer®eer J³ekeÌleer®³ee mJe³ebMegOoerJej DeeOeeefjle veweflekeÀ mJee³ellelee Deens. leer DeeHeu³ee J³eJenejer nkeÌkeÀe®³ee yee¿eke=Àleeruee yeU osles. ieebOeeRveer SkesÀ efþkeÀeCeer efuentve þsJeues Deens keÀer, ueeskeÀeleu³ee yeoueebJej mJejepe®es %eeve keÀmes DeeOeeefjle Deens. yegOo osJe YeÆe®ee³e& ³eebveer ns lelJe Lesì ye=noejC³ekeÀ GHeefve<eoele ie´Leerle Demeu³ee®es Je mJejepe efkebÀJee mJe³ebMeemeve peeefCeJeeb®³ee efve³eb$eCeele ns cetueleë veweflekeÀ Je mJe³ebmJee³elle Deens. ieebOeeRveer mJejepe JesefokeÀ Meyo Demeu³ee®es Je lees mJe³ebMeemeve Je mJe³ebefve³eb$eCe oMe&keÀ Demeu³ee®es cnìues Deens. ieebOeeR®³ee ceveeleerrue mJejepe mebkeÀuHevee, Debleie&le efJe®eej Je yee¿e Dee®eejele, yeoueueer Deens. ner keÀener Yesì Jemlet vemetve lees mJe³ebpeeefCeJes®ee HeefjCeece Deens. leer mJe³eb He´³elveeceeHe&Àle efceUles. cnCetve DeeHeu³ee mJeeleb$³eeJejerue yee¿e Deeke´ÀceCe, DeeHeu³ee mJele뮳ee GCeerJee ceev³e keÀªve®e mHe<ì Jne³euee nJes. pej DeeHeCe DeeHeu³eeleu³ee GCeerJee mecepet MekeÀuees lej l³ee DeeHeCe IeeueJet MeketÀ. pej keÀcepeesj Demeuees lej Meemeve efve³ebef$ele Demet. ieebOeeR®es mJejepe mebkeÀuHevee®es efJeMues<eCe Jew³eefkeÌlekeÀ mJe³eb MeemeveeJej DeeOeeefjle Deens. meb³egkeÌle mJe³ebMeemeve efkebÀJee je<ì^er³e mJeeleb$³eeJej peesj osC³ee®³ee FjeÐeeves les Deens. pejer mJejepe ner mebkeÀuHevee ieebOeeR®³ee je<ì^er³e ®eUJeUerHetJeea®eer Demeueer, lejer ieebOeeRveer J³ekeÌleeriele mJejep³eeJej Yej efouee Deens. keÀejCe mJeeleb$³eesllej l³eebvee keÀUtve ®egkeÀues keÀer, Kejs mJejepe efceUeuesues®e veener. ³ee cegÐeeJej jeIeJeve De³³ej ³eeb®³eevegmeej ieebOeeR®³ee efJeMues<eCeeletve Jew³eefkeÌlekeÀ mJeeleb$³e efJeosMeer mellesle DeefOekeÀ megjef#ele Deens.

Lees[ke̳eele mJejepe cnCetve efye´ìerMe mellesHeemetve osMe mJeleb$e keÀjCes veJns lej ueeskeÀebvee mellee efve³eb$eCe Je efve³eceveele l³eeb®³ee #eceles®³ee peeefCeJes®es efMe#eCe osCes nes³e. ne keÀener

MeneC³eeb®ee Þeercebleeb®ee SkeÀeefOekeÀej veJns. Hejbleg meJee¥®ee MeslekeÀjer Heemetve ue#eeJeOeer DeOe&Heesìer peveles®eener DeefOekeÀej Deens. mJejepe ns efJeefMe<ì Oeeefce&keÀ meceepee®es Meemeve veJns, HeCe meJee¥®es pes iejeryeebmenerle meeN³eeb®es efnle megjef#ele þsJesue. `jecejep³e' ieebOeeR®eer mJejepe mebkeÀuHevee cnCepes cegkeÌle jep³e pesLes Meemeve efve³eb$eCe vemesue. KeemekeÀªve DeuHemebK³eebkeÀeb®³ee DeefOekeÀejeb®es mebj#eCe efveOeceea nsletves JneJes. les ieCeleb$e jep³e DemeeJes p³eele MeejerefjkeÀ Þeceeuee ceev³elee Je He´l³eskeÀ celeeuee ceeve DemeeJee. ieebOeer cnCele, ieCeleb$e Demes jep³e veJns, p³eele ueeskeÀ ceW{îeemeejKes Jeeieleerue. ieCeleb$eele Jew³eefkeÌlekeÀ efJe®eejeb®es mJeeleb$³e Je ke=ÀleeR®es mebj#eCe nesF&ue. ieebOeeR®eer `jep³e` mebkeÀuHevee veweflekeÀ DeO³eeeflcekeÀ DeefOe<þeveeJej He´eefleefveefOekeÀ Deens. jepekeÀer³e cnCepes cegK³elJeeves Oeeefce&keÀ, Je Oece&jefnle jepekeÀejCe cnCepes kesÀJeU ce{s. cnCetve ieebOeeRveer l³eeb®³ee efJeMJeemeebJej DeeOeeefjle jepekeÀejCe Je Oece& ³eeb®³ee SkeÀef$ekeÀjCee®ee ceeie& oeKeefJeuee. He´emebefiekeÀlesle ieebOeeRvee DeeHeu³ee osMeeuee DevegketÀue Demes jep³e nJes. les l³ee mebkeÀuHevesleu³ee jep³eeuee jecejep³e cnCele. Deecneuee Deece®eb jep³e Deece®³ee mees³eer®es Heeefnpes. pes ceer cnCesue l³eeHes#ee les DeefOekeÀ DemeeJeb. ceer l³ee®eb JeCe&ve jecejepe Demeb keÀjlees. ueeskeÀeb®es meeJe&YeewcelJe, MegOo veweflekeÀ DeefOe<þeveeJej DeeOeeefjle DemeeJes. jecejep³ee®eer mebkeÀuHevee cenelcee ieebOeeR®es jepekeÀer³e mJeHve Deens. jecejep³e cenelcee ieebOeeR®eer Yeejleer³e jecee³eCeeJej DeeOeeefjle mebkeÀuHevee Deens. mel³e³egie efkebÀJee kes´Àlee³egie Je HegJeexleernemeele njJeuesues megJeCe& keÀeUeleerue OeesjCe l³eeleues DeeoMe& l³eele DeefYeHe´sle Deensle. JeeefucekeÀer jecee³eCeele jeJeCee®ee jeceeves HejeYeJe kesÀuee. DeMeeHe´keÀejs l³eeb®³ee efye´ìerMe mellesefJeªOo®³ee mebIe<ee&le ieebOeeRvee %eele SsefleneefmekeÀ meeOec³ee&letve Jele&ceeve GYee keÀje³e®ee neslee. ieebOeeR®³ee celes jecee³eCe ogmejs keÀener vemetve He=LJeerJejerue osJee®es

When a person is down in the world, an ounce of help is better than a pound of preaching.

7

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

jep³e Je peele, jbie, Jeie&, Je Oeeefce&keÀ HetJe&ie´neKesjerpe®es ieCeleb$e, Þeerceble Je iejeryeeleueer Demeceevelee veJns. `meJeexo³e' meJeexo³ee®es lelJe DeefnbmekeÀ meceepeJeeoeMeer mebyebefOele Oejues peeles. ieebOeeRveer meceepeeleu³ee veJ³ee veweflekeÀ ceev³elesJej DeeOeeefjle JewefMJekeÀ SkeÀles®es mJeHve Heeefnues. meceepe DeeefCe efvemeie& ner oesvner v³ee³e Je SkeÀleeefvene³e Deensle. meceepee®eb DeefmlelJe efvemeiee&efMeJee³e Megv³eJele Demeles. He´l³eskeÀ meeceeefpekeÀ opee& jeKeuee pee³euee Heeefnpes. l³ee®ee Hee³ee menveefMeuelee, Deefnbmes®³ee HeeþHegjeJ³eeJej meecegefnkeÀjerl³ee DeeOeeefjle DemeeJee. meJeexo³e cnCepes meJee¥®ee efJekeÀeme, ieebOeeRveer jefmkeÀve®³ee `Debìt efome ueemì' ³ee HegmlekeÀeletve l³ee®eer KegCeieeþ yeebOeueer.

De) ieebOeeR®³ee keÀuHevesleuee meJeexo³e cnCepes, peer J³ekeÌleer

®eebieueer Deens. leer meJee¥®ee GlkeÀ<e& Fef®íles. ye) pemee He´l³eskeÀ J³ekeÌleerme DeeHeu³ee Deefpe&le GHepeerefJekesÀJej peieC³ee®ee DeefOekeÀej Deens, lemes JekeÀeruee®es keÀece, npeecee®es keÀece ³eebvee meejKes®e cegu³e Deens. keÀ) MeslekeÀN³eeb®eer peceerve veebiejC³ee®eer peerefJekeÀe Je keÀejeefiejeb®eer peerefJekeÀener lesJe{er®e peieC³eemeejKeer Deens. DeeHeu³ee DeKesj®³ee efoJemeele ieebOeerpeer `Heb®ee³ele jepe' ne MeyoHe´³eesie `meJeexo³e'meeþer JeeHeª ueeieuesle. Dee®ee³e& efJeveesyee YeeJes Je pe³eHe´keÀeMe veeje³eCeebveer cee$e Heg{s meJeexo³ee®es lelJe ueeskeÀefHe´³e kesÀues.

-pes.yeer.þeketÀj Experiments of Trust ³eeJej DeeOeeefjle

efJeMJemle ceeefmekeÀe®³ee Jeie&Ceeroejeb®eer veeWoCeer keÀjC³eemeeþer ceneje<ì^eleerue He´l³eskeÀ efpeun³eemeeþer efpeune He´efleefveOeer vesceCes Deensle. megefMeef#ele yesjespeieejebvee mJe³ebjespeieeje®eer mebOeer ³ee Üejs Deecner osle Deenesle. efJeMJemle ceeefmekeÀemeeþer DeeHeu³ee efpeu¿eeletve Jeie&Ceeroej veeWoefJeC³eemeeþer Glmeener Gcesoer cesnveleer,®eebieuee pevemebHeke&À DemeCeeN³ee J³ekeÌleeRvee DeekeÀ<e&keÀ keÀefceMeve osC³eele ³esF&ue. ner mebOeer Je=lleHe$e efJelejkeÀevebe megOoe Deen. efJeÐeeLeea, v³ee³eeue³eerve, MeemekeÀer³e, efvece MeemekeÀer³e keÀce&®eeN³eebvee mebHekeÀe&leerue pevelesle `efJeMJemle' ceeefmekeÀ efJeleefjle keÀjlee ³esF&ue. DeeHeuee yee³ees[sìe HeeþJetve DeeHeu³ee mebHetCe& ceeefnleer men Deece®³ee þeCes keÀe³ee&ue³eeMeer. vesceCetkeÀer veblej DeesUKeHe$e Je ceeefmekeÀeletve DeeHeueer ceeefnleer HeÀesìemen osC³eele ³esF&ue. mebHeke&À meeOee - mebHeeokeÀ - cees. 9869342980 When everything seems to be going against you, remember that the airplane takes off against the wind, not with it.

8

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

ieebOeerHe´efCele je<ì^er³e MeeUeb®es mJeªHe Je mebmLee

je

<ì^efHelee cenelcee ieebOeerbveer l³eeb®³ee He´sjCesves efvecee&Ce kesÀuesu³ee je<ì^er³e MeeUebmebyebOeele ®eUJeUer®es mJeªHe eflensjer nesles.

1) Mew#eefCekeÀ Je meebmke=ÀeflekeÀ2) Keeoer Je ie´eceerCe GÐeesie 3) meceepemesJee ieebOeer mebkeÀuHevesJej DeeOeeefjle je<ì^er³e MeeUsÜeje ®eeueefJeues peeCeejs efJeefJeOe GHeke´Àce 1) yeeue cebefoj - 1935 , 3 les 6 Je<ee¥®³ee Je³eesieìeleerue meJe&meeOeejCe 300 cegueeb®es HetJe& He´eLeefcekeÀ yeeue cebefoj ®eeueefJeues peeles. cegueeb®³ee vesDeeCeermeeþer Hee®e yewue ieeb[îeeb®eer J³eJemLee nesleer Je Deeþ He´efMeef#ele ceefnuee efMeef#ekeÀe efMekeÀefJele Demeleele.

2) kesÀMeJe kegÀceej cebefoj - Jeie& 1 les 7Jeer ®³ee cegueebmeeþer mebmLes®³ee meg©JeeleerHeemetve®e efMe#eCe osC³eele ³esle nesles. l³ee cegueeb®ee 6 les 13,14 Je³eesieì neslee. mejemejer 700 efJeÐeeLeeab l³ee®ee ¿ee legkeÀ[erle oesve efMeHìmedceO³es HeÀe³eoe Iesleele. 5Jeer, 6Jeer Je 7Jeer®³ee cegueebvee oesve Oeesìîeeb®³ee Debyej ®ejK³eeJej efJeCeC³eele He´efMe#eCe efceUles. ¿ee legkeÀ[erle 17 efMe#ekeÀ Deensle.

3) mebieerle ceneefJeÐeeue³e - ceewefKekeÀ Je leebef$ekeÀ JeeÐeeb®³ee DeeOeejs mebieerle efMekeÀefJeues peeles. Je HeoJeer DeY³eemeke´ÀceeHe³e¥le Yejle veeìîece (ve=l³e efMekeÀefJeC³ee®eer) mees³e Deens. ns efJeÐeeue³e 1935 meeueer megª Peeues. Deboepes 150 cegues cegueer ³ee®ee HeÀe³eoe Iesle Deensle. efJeÐeeue³e DeefKeue Yeejleer³e mebmLee - DeefKeue Yeejleer³e iebOeJe& ceneefJeÐeeue³e ceb[UeMeer mebueive Deens. peerJeveeuee He´sjCee osCeejer HegmlekesÀ Je meeefnl³ener Jee®eues peeles.

4) Jee®eveeue³e Je DeY³eeefmekeÀe - ³ee mebmLesle

ceneosJe osmeeF& Jee®eveeue³e Je DeY³eeefmekeÀe ®eeueJeueer peeles. ceesþer Jele&ceeveHe$es, Heeef#ekeÀ, efÜHeeef#ekesÀ, ceeefmekesÀ lemes®e Flej yeeleceer He$es Je Jew®eeefjkeÀ He$es ³esLes GHeueyOe Demeleele.

SkebÀoefjle 5000 ie´bLe (iegpejeleer, efnboer, FbefiueMe) ³ee Jee®eveeue³eele Demetve l³eele cegK³elJes ieebOeer³eve efJe®eejeJej Deensle.

5)ieerlee-jecee³eCe Hejer#ee - veJ³ee efHe{er®³ee ®eeefj$³e efvecee&Ceele ieerlee Je jecee³eCee®es %eeve cenlJee®es Deens. ¿ee Þes<þ Je ceneve ie´bLeeb®³ee DeY³eeme Hetleeameeþer ieerlee Je jecee³eCeeJej Je<e&Yej Hejer#eeb®es Dee³eespeve nesles. iegpejelemeewje<ì^ele SkebÀojerle 40 Hejer#ee keWÀês Demetve Deboepes 3000 efJeÐeeLeea Hejer#esme yemeleele. Glke=À<þ þjCeeN³ee keWÀêemeeþer ®eeboer®eer {eue efoueer peeles.

6) Keeoer cebefoj- 1935 ceO³es kewÀ. veeje³eCeYeeF& ieebOeer ³esLes mLeeef³ekeÀ Peeu³eeJej ne GHeke´Àce megª keÀjC³eele Deeuee. Keeoer efveefce&leer Je efJeke´Àer ne cegK³e GHeke´Àce ³esLes megª Deens. ³eele meeOeejCeleë 700 efJeCekeÀj 6 Oeesìîeeb®³ee Debyej ®ejK³eeJej keÀece keÀjleele. ne GHeke´Àce jepekeÀesì Je ueiele®³ee HeoeOeejer leeuegke̳eele 9 Kes[îeeletve megª Deens. ³ee ®ejK³eeJej keÀleeF& keÀjC³eeN³ee ceefnueebkeÀ[tve meewje<ì^eleerue Kes[îeeletve 75 les 89 efJeCekeÀjebvee megle HegjefJeues peeles. les Keeoer cebefoj ceeHe&Àle 15 ueeKeeHe³e¥le®eer Keeoer efJeCeleele. leer, oesve Keeoer Yeb[ejeletve efJekeÀueer peeles. l³eeleues SkeÀ je<ì^er³e MeeUs®³ee He´ebieCeele lej ogmejs HeoeOeejerle Deens.

7) Debyej HeefjÞeceeue³e- yentmebK³e ceefnuee Debyej ®ejK³eeJej l³eeb®³ee Iejer®e keÀleeF& keÀjleele. HeCe p³ee Debyej ®ejKee IesT MekeÀle veener efkebÀJee ®eeueefJeC³eemeeþer Je Iejer þsJeC³eemeeþer HegjsMeer l³eemeeþer peeiee veener, l³eeb®³eemeeþer SkeÀ HeefjÞeceeue³e 1961 Heemetve megª Deens. l³eeefþkeÀeCeer

Discipline of life is more precious than life itself, for it is out of that discipline, life derives value.

9

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

Deboepes 60 ceefnuee 7 leemeeHe³e¥le keÀleeF& keÀjleele. He´efleefove He´efle ceefnuee ª. 8/- les 10/- efceUefJeles.

8) Heìesuee (efmeukeÀmee[er) efJeCekeÀece - He´efMe#eCe keWÀê - ne mebmLes®ee efJeMes<e GHeke´Àce Demetve ner iegpejele®eer peleve kesÀuesueer Hegjeleve keÀejeefiejer Deens. ne efJeYeeie kesÀJeU efJekeÀefmele®e kesÀuee veener lej l³eele veeefJev³ee®eer Yej IeeueC³eele Deeueer Deens. meve 1951 ®³ee mebmLes®³ee meg©JeeleermeHeemetve DeveskeÀ veJeerve Heìesuee keÀejeefiejebvee He´efMe#eCe efoues iesues. meO³ee 10 peCe kegÀMeue keÀejeieerj cnCetve Deensle. He´efleJe<eea 125 Heìesuee mee[îee le³eej kesÀu³ee peeleele. ³ee mee[îeebvee KetHe ceeieCeer Demeles. Heìesuee mee[îee keÀecee®³ee Dee@[jerJej®e kesÀu³ee peeleele.

9) lesueIeeì - (lesueIeeC³ee) 1935 Heemetve ³ee keÀe³e&jle efJeYeeieele MegOo leerUe®es lesue keÀe{C³eele ³esles. HetJeea yewueIeeC³ee nesl³ee HeCe Deelee ner He´efke´À³ee íesìîee efHeÀjl³ee ceesìejerÜejs kesÀueer peeles.

Keeoer Je ie´eceerCe GÐeesie keÀefceMeve®³ee oeKeu³eeves He´efle Je<eea 40,000 efkeÀueesie´@ce leerU lesue keÀe{ues peeles. ³ee Del³eble GHe³eesieer lewue He´keÀejemeeþer KetHe ceeieCeer Demeles.

10) jWefì³ee yeejme GlmeJe- keÀe³ece GHeke´Àce cnCetve oj YeeêHeo ke=À<CeHe#e ÜeoMeeruee jWefì³ee yeejme meepeje neslees. kewÀ. veeje³eCeoemeYeeF& ieebOeer ³ebeveer 1935 meeueer ne GHeke´Àce cenelcee ieebOeeR®³ee 67J³ee Jee{efoJeMeer megª keÀªve lees je<ì^er³e GHeke´Àce cnCetve mJeerkeÀejuee iesuee. ³ee keÀeUele

j®eveelcekeÀ keÀe³e&ke´Àceeletve ieebOeer lelJe%eevee®ee He´®eej Je He´meej kesÀuee peelees. ¿ee keÀeUele je<ì^er³e vesl³eebvee Deecebef$ele keÀªve l³eeb®³ee DeY³eemeHetCe& JekeÌleJ³ee®eer cespeJeeveer Pe[les.

11) yeeHet GHeJeeme Keb[- (³ee efþkeÀeCeer cenelceepeeRveer He´eCeebleerkeÀ GHees<eCe kesÀues nesles) jepekeÀes쮳ee SsefleneefmekeÀ, 1939 ®³ee veeiejer DemenkeÀej ®eUJeUerves, jepekeÀesì®es YetleHetJe& vejsMe OeceWêefmebnpeer®es Ëo³e HeefjJele&ve Ie[ues. cenelceepeeRveer je<ì^er³e MeeUs®³ee SkeÀe Keesueerle GHees<eCe kesÀues nesles. ner Keesueer Deelee je<ì^er³e þsJee Peeueer Deens.

12) je<ì^er³e MeeUs®es Keeme JewefMe<ìîe - Dee®ee³e& keÀekeÀemeensye keÀeuesuekeÀjebveer ³ee je<ì^er³e MeeUs®es JeeefìkeÀe cnCetve (veme&jer Dee@HeÀ Hueebìmed) ®eHeKeU JeCe&ve kesÀues Deens. mebmLes®³ee DeveskeÀefJeOe GHeke´Àceebyejesyej keÀener Flej mebmLeeb®esner GHeke´Àce kesÀues peeleele. Þeerceleer keÀ[JeeryeeF& efJejeveer keÀv³ee efJeÐeeue³e (cegueeR®eer MeeUe), DebOe ceefnuee efJekeÀemeie=n, cegke̳ee Je yeefnN³eeb®eer MeeUe, meewje<ì^ He´eCeer keÀu³eeCe mebmLee, meewje<ì^ jveelcekeÀ meefceleer, meewje<ì^ efnboer He´®eej meefceleer, nefjpeve mesJee mebIe, veMeeyeboer ceb[U, meJeexo³e mesJee mebIe, ie´eceefMeuHe DeeoeR®esner keÀe³e&ke´Àce je<ì^er³e MeeUs®³ee He´ebieCeele kesÀues peeleele. DeMee He´keÀejs je<ì^er³e MeeUe cnCepes ieebOeer efJe®eejeb®es meJeexo³e mebkegÀue cnCelee ³esF&ue.

-mebke´ÀceCe HeÀer®eme&

DeeHeueer peeefnjele ceneje<ì^Yejõ `efJeMJemle` ceeefmekeÀ Deecner ceneje<ì^e®³ee keÀevee keÀesHeN³eele Heesnes®eefJeues Deens. meJe& mebmLee efJeMJemle J³eJemLee, Jee®eveeue³es, MeemekeÀer³e, efveceMeemekeÀer³e keÀe³ee&ue³es ³eele `efJeMJemle`®ee meb®eej Deens. DeeHeu³ee GHeke´Àcee®³ee peeefnjeleermeeþer ³ee J³eeHekeÀ ceeO³ecee®eer efveJe[ keÀje Je ceefnv³ee®³ee 10 leejKesHe³e¥le peeefnjele HeeþJee. ªHe³es 10,000 Jejerue peeefnjeleoejebvee efJeMJemle®es Je<e&Yejeleerue DebkeÀ ceesHeÀle efoues peeleerue.

He needs no other rosary whose thread of life is strong with beads of love, service, charity and renunciation.

10

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

met#ce Je ueIeg GÐeespekeÀebmeeþer DeLe&J³eJemLee

mJee

leb$³e efceUeu³eeveblej osMeele efceÞe DeLe&J³eJemLes®ee mJeerkeÀej kesÀuee iesuee. l³eele GÐeesieOebÐeeble meJee&le ceesþe Jeeìe ìeìe, efyeuee&, ieesojspe, ceHeÀleueeue Deeefo GÐeesieHeleeR®ee Keepeieer Heie[e, lej meeJe&peefvekeÀ #es$eele jsuJes, Jeerpe, mìerue, penepe, efJeceeve GÐeesie Deeefob®ee Heie[e neslee.

Hejbleg ie´eceerCe DeLe&J³eJemLes®ee keÀCee Demeuesues ie´eceerCe ueIeg GÐeesie [yeIeeF&uee ³esle iesuesle. ueIetlej GÐeespekeÀ DeLe& mene³³eeefJevee peiet MekeÀues veenerle. mJeeleb$³eesllej 60 Je<ee¥veer osMeeleu³ee ueIet met#ce GÐeespekeÀeb®ee Meemeve efJe®eej keÀjles Peeues. Yeejle mejkeÀej Je efme[yeer efceUtve ueIet Je met#ce GÐeespekeÀebvee DeLe&HegjJeþe keÀjC³eemeeþer Hele efvecee&Ce keÀjC³eeefveefcelle ke´sÀef[ì ie@jsvìer HebÀ[ ì^mì 1 Dee@iemì 2000 uee mLeeHeve kesÀueer. 2 peguew 2007 Heemetve les keÀe³ee&efvJele keÀjC³ee®eer ³eespevee DeeKeueer. Menjer Je ie´eceerCe ueIet Je met#ce GÐeespekeÀebvee l³eeb®³ee DeeefLe&keÀ #eceles®³ee DeYeeJeer yeBkesÀkeÀ[tve keÀpe&HegjJeþener nesC³eele efokeÌkeÀle ³ee³e®eer. SkeÀlej keÀpee&®³ee jkeÀcesSJe{s ceeuecelles®es leejCe efkebÀJee oesve peeceerveoejeb®eer ie@jbìer yeBkesÀle osC³eele les De³eMemJeer þjle. ner De[®eCe peeCetve p³eeb®³eeDebieer keÀewMeu³e Je HeejbHeefjkeÀ keÀe³ee&vegYeJe Deens HeCe kesÀJeU DeLe&HegjJeþîeeDeYeeJeer l³eeb®es YeefJeleJ³e ìebieCeeruee Deens, DeMee ³eesi³e #eceleeOeejer mebmLee Je J³ekeÌleeRmeeþer keÀesCelesner leejCe Je peeefceveoejeb®³ee nceerefMeJee³e l³eeb®³ee J³eefkeÌleiele Je SkeÀebkeÀe®³ee #ecelesJej efJemebyetve keWÀê Meemeve Je efme[yeer ³eeb®³ee Heg{ekeÀejeves je<ì^er³eke=Àle yeBkeÀebveer keÀpe& osJet kesÀues Deens. ner Del³eble Yeei³ekeÀejkeÀ Ieìvee®e GÐeespekeÀeb®³ee mebyebOeele cnCee³euee nJeer. Hejbleg meceepeeleu³ee HetJee&Heej ceoleer®ee nele DeeKe[tve IesC³ee®³ee He´Je=lleercegUs DeepeHe³e¥le mebyebefOeleevee ³ee ³eespeves®ee ueeYe Peeuee veener, lej cegUele

DeMeer ³eespevee Demeu³ee®eerner HegjsHetj ceeefnleer iejpetbHe³e¥le Heesn®euesueer veener. je<ì^er³eke=Àle yeBkeÀeb®³ee Jejer<þ He´yebOekeÀebveer yeBkesÀ®³ee MeeKeebvee ³ee ³eespeves®ee efkeÀleer HeeþHegjeJee kesÀu³ee®eer efJe®eejCee kesÀueer Deens. DeveskeÀ HeefjHe$ekesÀ ³ee MeeKeebvee Je keÀe³ee&ue³eebvee HeeþJetvener keÀe³e&He´JeCelee þHHe Deens. peer peeieJeC³eemeeþer ceeefmekeÀ `efJeMJemle` mebyebefOele iejpet met#ce Je ueIet GÐeespekeÀebvee ceeefnleer HegjJetve peeie=le keÀjerle Deens. meeceeefpekeÀ efnleeDee[ ³esCeeN³ee keÀener veleê<ì ceb[UeR®³ee veekeÀeJej ìer®®etve efJeveeleejCe Je peeefceveoejeefMeJee³e DeeJeM³ekeÀ keÀpe& IesC³eeme He´Je=lle keÀjerle Deens. meJe& Del³eeJeM³ekeÀ mees³eer meJeueleer, jmles, Jeerpe, oUCeJeUCee®³ee mees³eer (FveHe´Àemì^keÌ®ej) Oevee{îe ìeìe, efyeuee& Je DebyeeveeRvee osCeeN³ee MeemeveekeÀ[tve meceepeeleu³ee efvecve mlejeleu³ee met#ce Je ueIet GÐeespekeÀebmeeþer Het{s Deeuesueer mebOeer Deelee keÀesCeer®e jesKet MekeÀCeej veener. l³eemeeþer meJe& mebyebefOeleebvee ceeie&oMe&ve ceeefnleer osC³ee®es Je´le efJeMJemle Iesle Deens. mebyebefOeleebveer yeBkeÀ He´yebOekeÀebkeÀ[s efJeveeleejCe peeefcevejefnle keÀpee&meeþer He´mleeJe meeoj keÀjeJee. mebyebefOele GÐeespekeÀeb®³ee keÀpee&meeþer ke´sÀef[ì ie@jbìer HebÀ[ ì^mì HeÀe@j cee³eke´Àes DeB[ mcee@ue SvìjHe´e³ePeme& Hele nceer Iesle Deens. l³eecegUs yeBkesÀ®³ee keÀpee&uee ³ee Hele megefJeOescegUs keÀesue@ìjue efmeke̳egefjìer DeB[ / Dee@j Le[& Heeìea ie@jbìer®eer DeeJeM³ekeÀlee He[t ve³es. meb³egkeÌle megj#ee (keÀesue@ìjue efmeke̳egefjìer) cnCepes Yeeb[Jeueer ceeuecellesKesefjpe®eer cellee. ³ee ³eespevesvegmeej SkesÀjer keÀpe&OeejkeÀemeeþer SkeÀef$ele Hele ³eespeves®³ee OevekeÀes mebmLeebveer efceUJetve osCes Deens. leLeeefHe p³ee SkeÀebkeÀeme DeeOeer®e jep³e efkebÀJee je<ì^er³e mlejeJejerue mebmLeeb®es mene³³e ueeYeues Deens. Demes SkeÀebkeÀ keÀpe& nceer í$eemeeþer Hee$e Deensle. DeLee&le oesve JeeefCeefp³ekeÀ yeBkeÀeb®³ee meb³egkeÌle

Efficiency is the capacity to bring proficiency into expression.

11

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

DeLe&HegjJeþîeeuee les ueeiet veenerle. leLeeefHe, efme[yeeryejesyej meb³egkeÌle DeLe&HegjJeþîeeme nceer í$e GHeueyOe Deens. keÀpe& IesCeeN³ee ueIet Je met#ce GÐeespekeÀeb®³ee keÀpee&meeþer Hele nceer efveOeer efJeMJemle mebmLesves nceer osC³ee®eer le³eejer oeKeJeu³eeves yeBkesÀkeÀ[tve nceer MegukeÀ Je Jeeef<e&keÀ mesJeeMegukeÀ DeekeÀejues peeCeej Deens. Hee$e $e+CekeÀesb®³ee cebpetj keÀpee&meeþer þjeefJekeÀ MegukeÀoj 1.5 … lej Gllej HetJexkeÀ[erue $e+CekeÀesb®³ee keÀpee&meeþer 0.75… Deens. yeBkesÀves cebpetj kesÀuesu³ee keÀpee&®eer nceer Hele nceer efveOeer efJeMJemle mebmLesves Iesleu³eeJej yeBkeÀ iejpet ueIet Je met#ce J³eeJemeeef³ekeÀebvee (GÐeespekeÀ) efveOeexkeÀHeCes keÀpe& osT MekeÀles. $e+CekeÀesves ÐeeJe³ee®ee J³eepee®ee oj - yeBkesÀ®³ee He´eLeefcekeÀ keÀpee&meeþer J³eepeoj 3… Hes#ee DeefOekeÀ Demet ve³es. l³eeKesefjpe Jeeef<e&keÀ mesJee MegukeÀ $e+CekeÀesme YejeJes ueeiesue. þjeefJekeÀ $e+CekeÀesmebyebOeele yeBkesÀkeÀ[tve Jeeef<e&keÀ mesJeeMegukeÀ 0.75… ojeves $e+CekeÀes®³ee Keel³eemebyebOeele cebpetj ce³ee&osle He´efleJe<eea 31 cee®e&uee Yeju³eeJej keÀpe& nceer í$e GHeueyOe nesCeej Deens. DeMee Keel³ee®³ee GIe[C³eemebyebOeele yeBkeÀebveer 50… MegukeÀ ³ee ³eespevesKeeueerue meJe& Keel³eebmeeþer YejC³ee®ee efveCe&³e Iesleuee Deens. ueIet Je met#ce GÐeespekeÀebmeeþer DeHebieefJekeÀeme Dee³egkeÌle keÀe³ee&ue³eekeÀ[tve yeBkesÀuee He´eslmeenve cnCetve nceer MegukeÀ Je mesJee MegukeÀe®³ee HejleeJ³ee®ee efveCe&³e Iesleuee Deens. keÀpe& nceer ³eespevesKeeueer Hee$e DemeCeeN³ee HebleHe´Oeeve jespeieej ³eespevesKeeueer meneef³³ele Keel³eeb®³ee Keeleer GIe[C³eemeeþer MegukeÀ Je Jeeef<e&keÀ mesJee MegukeÀ yeBkeÀebveer®e HetCe&HeCes menve keÀjC³ee®es Je yeBkeÀeb®³ee keÀpee&®³ee Heer DeB[ Sue Ke®e& Keeleer OejC³ee®es þjefJeues Deens. nceer MegukeÀe®ee YejCee yeBkesÀves HelemegefJeOes®³ee Heefnu³ee nHeÌl³ee®³ee keÀpe& efJelejCeeveblej 30 efoJemee®³ee Deele nceer MegukeÀ YejCes

DeeJeM³ekeÀ Deens. leLeeefHe, yeBkesÀves keÀener Yeeieeb®es efkebÀJee HetCe&HeCes keÀpe& meerpeerìerSceSmeF& keÀ[s keÀpe& nceer í$eemeeþer $e+CekeÀesme Depe& keÀjC³eeHetJeea®e Deoe kesÀu³eeme DeMee ceev³e He´mleeJeeKeeueerue nceer í$eemeeþer ceeieCeerHe$ee®³ee efoveebkeÀeHeemetve®e 30 efoJemee®³ee Deele nceer MegukeÀ YejeJe³eeme Heeefnpes. nceer MegukeÀ / Jeeef<e&keÀ mesJee MegukeÀ Hele nceer efveOeer efJeMJemle mebmLes®³ee Keel³eeJej keÀpe& efJelejCeeveblej [er.[erves®e YejeJe³eeme Heeefnpes. [er.[er. ®³ee ceeies ceeieCeer He$ee®ee ke´ÀceebkeÀ ve efJemejlee veeWoefJeCes DeeJeM³ekeÀ Deens. lemes®e keÀJnefjbie uesìjceO³esner l³ee®ee GuuesKe DeefveJee³e& Deens. meoj [er.[er. jefpemìj Heesmìeves The Deputy General Manager, Credit Guarantee Fund Trust for Micro & Small Enterprises 7th Floor, SME Development Centre C-11/Block G, Bandra Kurla Complex MUMBAI – 400 051 ³ee Hell³eeJej HeeþJee³e®ee Deens. $e+CekeÀesmeeþer ³ee ³eespevesKeeueer peeoe ueeYener efveefnle Deens. Hele nceer efveOeer efJeMJemle mebmLes®³ee ³eespevesKeeueer He´l³eskeSkeÀebkeÀ®³ee cegK³e He´Jele&keÀemeeþer Dee³egefJe&c³ee®es 2 ueeKee®es í$e GHeueyOe Deens. (ceie ³eespevesKeeueer ³esCeejer efkeÀleerner jkeÀces®eer Hele megefJeOee Demees.) ueeYeeL³ee¥vee Jeejme veeefcele keÀjC³ee®eer megefJeOee Deens. ne ueeYe Assign efkebÀJee Charge keÀjlee ³esle vemetve lees cetkeÌle Deens. [sLe keÌuesce SkeÀe efJeefMe<ì He´He$eele DeeJeM³ekeÀ HeefjefMe<þemen cegK³e He´Jele&keÀe®³ee ce=l³etveblej 30 efoJemeeb®³ee Deele meeoj keÀjeJe³ee®ee Demelees.

Meemeveeves peeefnj kesÀuesu³ee ³ee ³eespevesKeeueer iesu³ee 7 Je<ee&le efkeÀleer yeBkeÀebveer efkeÀleermes mJeejm³e oeKeefJeues ns Deecner

Some books are to be tasted, others to be swallowed and some to be chewed and digested.

12

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

Deej.ìer.Dee³e®³ee (ceeefnleer®³ee DeefOekeÀeN³eeKeeueer) ceeefnleer GHeueyOelesJe©ve peeCetve IesCeej Deenesle. l³eele efkeÀleer ueIet Je met#ce GÐeespekeÀebvee efkeÀleer yeBkeÀebveer DeeleeHe³e¥le keÀpex cebpetj keÀªve efJeleefjle kesÀueerle? l³eele efkeÀleer ueeskeÀebvee ªHe³es 5000, efkeÀleer ueeskeÀebvee ªHe³es 10,000, efkeÀleer ueeskeÀebvee ªHe³es 15,000 Je efkeÀleer ueIet GÐeespekeÀebvee ªHe³es 50,000 cebpetj Je efJeleefjle kesÀuesle? l³ee®eyejesyej yeBkeÀebveer ³eemebyebOeele HeeJeues keÀe G®eueuesueer veenerle? efveoeve efJe®eejeOeerve He´mleeJe lejer efkeÀleer Deensle. ner ceeefnleer ueJekeÀj®e efceUefJeC³ee®ee He´³elve kesÀuee peeF&ue Je meoj ceeefnleer mebyebefOeleebmeeþer `efJeMJemle' ceeefmekeÀeletve peeefnj kesÀueer peeF&ue. mebyebefOele

ueIet GÐeespekeÀebmeeþer ner l³eeb®³ee nkeÌkeÀeb®³ee ue{eF& Demetve l³eebveer lesJe{s®e ®eewkeÀme jenCes iejpes®es Deens. ³ee ³eespeves®ee HeeþHegjeJee keÀjC³eemeeþer Je ³eespeves®eer mebHetCe& ceeefnleer yeBkeÀ DeefOekeÀeN³eebvee nesC³eemeeþer DeveskeÀ je<ì^er³eerke=Àle yeBkeÀeb®³ee cegK³eeue³eebveer Dee@keÌìesyej-veesJnWyej 2007 ceO³es SkeÀ HeefjHe$ekeÀ peejer kesÀues. l³ee HeefjHe$ekeÀe®eer He$e (cegU Fbie´peerle) He´keÀeefMele keÀjerle Deenesle, p³eecegUs F®ígkeÀebvee ³ee $e+Ce ³eespeves®eer HeefjHetCe& keÀuHevee ³eeJeer. Je DeeHeu³ee Debieer Demeuesu³ee GÐeespekeÀles®ee efJekeÀeme meeOetve Ieslee ³eeJee. - ceveesnj FbieUs

CIRCULAR TO ALL BRANCHES / OFFICES OF ALL THE NATIONALISED BANKS

various amendments made in the original scheme during the past six years and the same is annexed to this circular. Relevant formats necessary for applying for Guarantee Cover, invoking the Guarantee cover and lodgment of Death Claim are also enclosed for ready references of our branches. Though the Corporation mandated that application for Guarantee Cover and invocation of the same are to be done on-line through Zonal/Nodal Offices, branches should furnish relevant information to the Zonal Offices by using these formats so that work related to data entry at the Zonal Offices is made error free.

It is reiterated that in respect of advances granted to Small Scale Industries, our Bank is committed to the following:• No collateral Security for loans up to Rs. 5 Lakhs. Collateral Security would mean any asset other than business asset.

• No collateral for loans over Rs. 5 Lakhs and up to Rs. 15 lakhs subject to good track record and financial position.

MASTER CIRCULAR ON Guarantee Scheme of the Credit Guarantee Fund Trust for Micro & Small Enterprises 1.

2.

Government of India and SIDBI have jointly set up the Credit Guarantee Fund Trust for Small Industries (CGTSI) on 01.08.2000 to provide cover for credit default so that the lender should give importance to project viability and secure h is loan purely on the primary security of the assets financed.The name of the Corporation has since been changed to Credit Guarantee Fund Trust for Micro & Small Enterprise (CGTMSE with effect from 2nd July 2007.

Our Bank had joined the captioned scheme in the initial stage in the year 2001 and we have been issuing communications from time to time commencing with Branch Circular No. 94/203 dated 12.02.2001 to the latest communication No. 101/65 dated 19.07.2007. We have consolidated

3.

Perfection consists not in doing extraordinary things, but in doing ordinary things extraordinarily well.

13

4.

5.

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009 • To cover all eligible SSI advances up to Rs. 50 Lakhs without any collaterals or third party guarantee under Credit Guarantee Fund Trust Scheme for Micro & Small Enterprises.

The major aspects of CGTMSE Cover are:a. Collateral Security and 3rd party Guarantee should not have been obtained in the accounts to be covered. b. Creation of Charge on the Plant & machinery , Land & Buildings of the unit is treated as Primary Security for the purpose of CGTMSE Cover. c. Both Term Loans and Working Capital Limits (Fund Based as well as NonFund Based Limits can be covered). d. Even if the Sanctioned Limit is greater than “Eligible Amount” (presently Rs. 50 lacs) Guarantee Cover can be obtained for the Eligible Amount if condition (a) above is satisfied.

However the Guarantee Cover would be available to the extent of Rs. 50 lacs (claim amount Rs. 37.50 lacs or Rs. 40 lacs as the case may be) only. In case it is desired to obtain collateral security / 3rd party guarantee for the amount beyond the Eligible Amount, this can be done by opening a separate borrowal account for such amount. e. Where the borrower is enjoying several distinct credit facilities, one or more of the same can be covered upto the Eligible Amount provided condition (a) above is satisfied in respect of the accounts thus covered.

It is to be noted importantly that apart from offering a loss mitigant avenue, CGTMSE guaranteed credit facilities carry Zero per cent Risk Weight and Zero per cent Provisions on the Guarantee Covered portion.

6.

7.

In respect of accounts covered under the CGTMSE Scheme, the CCIS Data should contain the following field indicators:a. Nat_gte “007” (CGTMSE) b. Val_gte As applicable for the

account (75% / 80% of

Eligible Amt) c. Sector_cd As applicable to various

categories of MSE’s d. SpCat_cd From 150 to 173 a

applicable.

In view of what is stated above it is advised that branches should endeavor to cover all eligible accounts under CGTSME Scheme within the stipulated time frame and report such accounts correctly in the CCIS Data. Branches should bear in mind the comfort offered by CGTSME Cover vis-à-vis obtention of Collateral Security/ Third Party Guarantee which are difficult to realize in case an account becomes NPA. General Manager

FEATURES OF THE CGTMSE SCHEME FOR MICRO & SMALL ENTEPRISES i). Eligible Borrowers : a). Eligible borrower would be new or existing Micro and Small Enterprises (both Manufacturing and Services) to which credit facility has been provided by the Bank without any collateral security and/or third party guarantees. Collateral Security would mean any asset other than business asset. b). Under the Credit Guarantee Scheme, the CGTMSE encourages composite credit being extended to a single borrower by a Member Lending Institution of the CGTMSE. However credit facilities extended by a Bank for a unit already assisted

By gambling we lose both our time and treasure - two things most precious to the life of man.

14

ii).

iii).

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

by State/National Level institutions are eligible for Guarantee Cover under the scheme. Joint financing by two commercial Banks to a single borrower shall not be eligible for guarantee cover. Joint Financing with SIDBI would however be eligible for guarantee cover. c). All types of firms / companies or other legally constituted bodies, individual borrowers, small businesses. Group lending through SHGs not eligible Eligible Accounts a). Both Term Loan and Working Capital (both fund based and non-fund based) can be covered. b). In case an account which had been sanctioned earlier had been omitted to be covered under the scheme, only Working Capital accounts of such borrower can be covered at the time of review/renewal. c). Where the borrower is enjoying several distinct credit facilities, one or more out of the same can be covered upto the Eligible Amount (presently Rs. 50 lacs) provided collateral security and 3rd party guarantee are NOT obtained in such accounts.

Credit Guarantee Cover a). The Guarantee Cover is presently subject to maximum of Rs. 37.50 lakh being 75 per cent of the amount in default in respect of credit facility the current ceiling on which is Rs. 50 lakhs per borrower. b). The extent of guarantee cover is up to 80 % for specific categories of borrowers viz. (a) Micro Enterprises for loans upto Rs. 5 lakh (b) Micro And Small Enterprises operated and/ or owned by women irrespective of credit limits and (c) loans in the North Eastern Region

irrespective of credit limits.

The Guarantee Cover will commence from the date of payment of guarantee fee.

• The Guarantee Cover shall run through teh entire tenure of the Term Credit / Composite Credit.

• Where working capital alone is financed, the tenure of guarantee cover is fixed at 5 years. Guarantee Fees has to be paid afresh for renewed guarantee cover thereafter for the next block of 5 years.

• Term loan sanctioned or WC limit sanctioned / renewed in a particular calendar quarter should be covered latest by the end of next calendar quarter. Thus, maximum time of 6 months and minimum time of 3 months is available for filing of application for Guarantee Cover. iv). Additional credit facilities in respect of accounts guaranteed under CGTMSE

Additional credit facilites sanctioned to units covered under CGTMSE will also be eligible for cover under the Scheme, if the unit is otherwise eligible for cover after sanction of additional limits.

• In such cases, fresh applications have to be submitted for the additional loan/limit.

• While submitting such applications, the CGPAN already allotted by CGTMSE to that particular borrower at the time of initial guarantee cover should be mentioned in the field Bank Reference Number after the reference number of the branch. v). Maximum Risk Cover :

Of the credit facilities extended by the Bank, CGTMSE guarantees, in case of default by the borrower, up to 75 per cent of the defaulted principal

It does not take much strength to do things, but it requires great strength to decide on what to do.

15

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

amount in respect of term IQAN and / or outstanding Working Capital advances (inclusive of interest), as on the date of account becoming NPA, or as on the date of filing the suit, whichever is less.

• Other charges such as interest on principal term loan, penal interest commitment charge, service charge, or any other levies / expenses shall not qualify for the guarantee cover.

• Guarantee cover under the scheme is available for a maximum credit/loan ceiling of Rs. 50 lakhs even though the actual loan/limt may be in excess of Rs. 50 lakhs, provided the account is otherwise eligible for cover under the scheme. vi). Rehabilitation assistance :

For the unit covered under CGTMSE and becoming sick due to factors beyond the control of management, assistance for rehabilitation extended by the Bank could also be covered under the scheme provided the overall assistance is within the credit cap of Rs. 50 lakhs. vii). Non-Eligibility:

Any facility given on the basis of collateral security or third party guarantee shall be disqualified for coverage under the scheme. The CGTMSE also reserves the right to reject any application for the guarantee cover, if it deems necessary. viii). Guarantee Fee and Annual Service Fee:

Guarantee Fee

One time guarantee fee at specified rate (currently 1.5 per cent) of the credit facility santioned, (comprising term loan and / or working capital facility) shall be paid upfront to the CGTMSE with the proviso that such applicable fee in respect of borrowers in the North Eastern region shall be 0.75%

Annual Service Fee:

Guarantee cover extended by CGTMSE in respect of any specific borrower shall be valid provided the Bank pays an annual service fee of 0.75% on the Sanctioned Limit of the borrowal account, as on March 31 of every year.

Such annual service fee is to be paid by the Bank on or before 31st May of that year. For example, annual service on the outstanding credit facilities as on March 31, 2008, shall be payable by May 31, 2008. a. Our Bank has taken a decision to bear 50% of the Joining Fee in respect of all accounts covered under CGTMSE Scheme as advised vide Branch Circular No. 98/89 dated 07.08.2004. b. The Office of the Development Commissioner (Handicrafts) reimburses the Guarantee Fee and Annual Service Fee in case of Handicraft Artisans by way of incentive to Banking Institutions as conveyed to our branches vide Branch Circular No. 100/30 dated 0.1.07.2006. c. Our Bank is bearing fully, the Joining Fee and Recurring Annual Fee to the debit of Bank’s P & L Account, in respect of accounts financed under Prime Minister Rojgar Yojana (PMRY) which are eligible for guarantee cover under Credit Guarantee Scheme as advised vide Branch Circular 98/134 dated 28.09.2004. d. Since the scheme is operated through Zonal Offices, the portion of fee to be borne by the Bank should be paid by the Zonal Offices to the debit of their P & L A/c. Commission.

Proper records may be maintained

by Zonal Offices for consolidation on half yearly basis in respect of such guarantee fee paid. (Ref : Br. Cir.

A great many people think they are thinking when they are merely rearranging their prejudices.

16

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

98/89 dtd 07.08.2004). viii. 1) Differential Pricing Mechanism

Based on representations received from various quarters, CGTMSE has decided to give the Banks a greater extent pf freedom in determining the extent of coverage actually required by them. A schedule of differential pricing mechanism has been drawn to allow the Banks the freedom to go in for lower guarantee coverage as per their risk perception. The coverage structure based pro-rata on the extent of coverage/fee structure of CGTMSE is given below: Extent of Guarantee Coverage (%) of Credit Facility Sanctioned

One time Guarantee Fee (%) of Credit Facility Sanctioned

x).

Annual Services Fee (%) of Credit Facility Sanctioned

75/80 (in 1 . 5 0 / 0 . 7 5 % 0.75 Specific Cat. ) (in Specific Cat.)

ix)

60

1.20

0.60

50

1.00

0.50

40

0.80

0.40

30

0.60

0.30

Applications under the Differential Pricing scheme should be lodged in hard copy only, until a separate module for the same is incorporated in CGTMSE’s enterprise wide software. The application form that is being filled up for lodging all other cases may be used for the purpose. The Banks should clearly indicate the extent of Guarantee cover required to enable CGTMSE to arrive at the guarantee fee and annual service fee. The fees should be sent to CGTMSE only upon the receipt of Demand Advice Number from CGTMSE. Notwithstanding the above, it is being

advised that our branches should go only for 75% / 80% guarantee cover as the case may be.

Interest Rate payable by Borrower : Interest rate shall not exceed 3 per cent over and above the Prime Lending Rate of the BANK, excluding the annual service fee.

Application for Cover Applications for Guarantee Cover under the scheme are to be lodged online with the Corporation. The Zonal Offices are designated as Nodal Offices for such lodgement. All the branches shall submit hard copies of the relevant information to Zonal Offices, who in turn will scrutinize the applications for their correctness and transmit data online to the Corporation through Internet. Zonal Offices have been provided with User IDs for this purpose.

In the case of proposals involving credit facility of Rs. 10 lakh and above, the Bank shall furnish the details of IT PAN of the borrower/proponents in the Application Form, while lodging the applications for guarantee cover.

The standard Application form circulated

by CGTMSE for obtaining Guarantee Cover does not have a field (column) for mentioning the Branch name. This obviously creates many problems. The branches are advised to incorporate the same in Bank Reference Number field.

After mentioning the branch name any convenient reference number like the running number of the application may be mentioned.

To know the fate of Applications lodged On-Line with CGTMSE, the Nodal Offices should log on to the site of CGTMSE using their Password and check ‘Inbox’.

Books are the treasured wealth of the world, the fit inheritance of generations and nations.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

xi). Invocation of guarantee

Guarantee of CGTMSE in respect of accounts covered under CGTMSE may be invoked if the following conditions are satisfied – • The guarantee in respect of the concerned credit facility is in force.

• The lock-in-period of 24 months from either the date of last disbursement of the loan or the date of payment of the guarantee fee in respect of the credit facility, whichever is later, has elapsed.

• The amount due and payable in respect of the credit facility has not been paid and the dues have been classified as Non-Performing Assets.

• It may be noted that claim cannot be made on CGTMSE in respect of a credit facility if the loss has occurred owing to actions/decisions taken contrary to or in contravention of guidelines issued by CGTMSE. • The credit facility has been recalled and recovery proceedings have been initiated under the due process of law (Civil Courts / DRT / Revenue Recovery / Lok Adalats, SARFAESI Act 2002)

Since interest on term loan is not covered under the Credit Guarantee Scheme and no annual service fee is payable by the Banks, the interest on term loan – if debited to WC (CC/OD) account – has to be excluded from the outstanding balances in the WC (CC/OD) account while invoking the guarantee and lodging the guarantee claim with the CGTMSE. xii). Claim Settlement (a) CGTMSE shall pay 75% of the guaranteed amount on preferring of eligible claim, within 30 days, subject to claim being otherwise found in order and complete in all respects.

• If 75% of the guaranteed amount is not paid within 30 days, CGTMSE shall pay interest on the eligible claim amount at the prevailing Bank Rate for the period of delay beyond 30 days. (b) The balance 25 % of the guaranteed amount will be paid by CGTMSE on conclusion of recovery proceedings. (c) In the event of default, the branches shall exercise the rights, if any, to take over the assets of the borrowers and the amounts realized, if any, from the sale of such assets or otherwise shall first be remitted in full to CGTMSE after adjusting the cost incurred by the Bank for recovery of the amount.

CGTMSE shall appropriate the same towards the pending service fee, penal interest and other charges due to CGTMSE, if any, in respect of the concerned credit facility. Only thereafter claim for the remaining 25 % of the guaranteed amount may be made. (d) On a claim being paid, CGTMSE shall be deemed to have been discharged from all its liabilities on account of the guarantee in force in respect of the concerned credit. (e) CGTMSE shall be entitled for refund of the claim released by them together with penal interest @ Bank Rate, if it is found that serious deficiencies have existed in the matter of appraisal/ renewal/follow up / conduct of the credit facility or where lodgement of teh claim was made than once or where there existed suppression of any material information on the part of the Bank for settlement of claims.

Such interest shall be payable from the date of initial release of the claim

by CGTMSE to the date of refund o f

Purity, patience and perseverance are three essentials to success in life and above all Love and Service.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

the claim. (f). Finally, loss will be shared by CGTMSE and Bank in the ratio 3:1 xiii). Right of subrogation and recoveries in claim paid accounts (a) The branches shall furnish to CGTMSE, the details of efforts for recovery, realizations and such other information as may be demanded or required from time to time. Lien on assets created out of credit facility in respect of eligible accounts shall be held on behalf of the Bank and on behalf of CGTMSE. The CGTMSE shall not exercise any subrogation rights and the responsibility of recovery of dues including take over of assets, sale of assets, etc. shall rest with the Bank. (b) In the event of a borrower owing several distinct and separate debts to the Bank and making payments towards any or more of the same, whether the account towards which the payment is made is covered by the guarantee of CGTMSE or not, such payments shall be deemed to have been appropriated by the Bank to the debt covered by the Guarantee and in respect of which a claim has been preferred and paid, irrespective of the manner of appropriation indicated by the borrower concerned or the manner in which such payments are actually appropriated. (c) All amounts recovered and due to be paid to CGTMSE are required to be paid without delay. If any amount due to CGTMSE remains unpaid beyond a period of 30 days from the date on which it was first recovered, interest will have to be paid @ Bank Rate for the period for which payment remains outstanding after expiry of the said

period of 30 days. xiv). Bank’s responsibilities (a) The Bank shall evaluate the loan applications and conduct the account of the borrowers with normal Banking prudence and shall use their business discretion in selecting commercially viable proposals. This includes closely monitoring the account as also safeguarding the primary securities taken in good and enforceable condition. (b) In order to ensure continuance of guarantee cover, Bank concerned should pay the annual service fee to CGTMSE latest by 31st May of every year. The Bank should ensure that the claim is filled within the prescribed time limit and there is no delay on the part of Bank to notify the defaults, which result in CGTMSE facing a higher claim. (c) The payment of claim by the CGTMSE under question does not in any way take away the responsibility of the borrower to repay the entire amount of outstanding to the Bank.

The Bank shall exercise all caution and maintain its recourse to the borrower for full amount owed by him and effective action for recovering the amount including such action as may be suggested by the CGTMSE. xv). Entering into Compromise with borrower / Alienation of security (a) The Bank shall, in respect of any guaranteed account, exercise the same diligence in recovering the dues, and safeguarding the interest of the CGTMSE in all the ways open to it as it might have exercised in the normal course if no guarantee had been furnished by the CGTMSE. (b) The Bank shall refrain from any act

Be courteous to all but intimate with few; and let those few be well tried before you give them your confidence.

19

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009 of omission or commission, either prior to or subsequent to invocation of guarantee, which may adversely affect the interest of the CGTMSE as the guarantor. (c) In particular, the Bank should intimate the CGTMSE before entering into any compromise or arrangement which may have the effect of discharge or waiver of personal guarantee(s) or security. (d) The Bank shall also ensure either through a stipulation in an agreement with the borrower or otherwise, that it shall not create any charge on the security held in the account covered by the guarantee for the benefit of any account not covered by the guarantee, with itself or in favour of any other creditor(s) without intimating the CGTMSE. (e) Further the Bank shall secure for the CGTMSE or its appointed agency, through a stipulation in an agreement with the borrower or otherwise, the right to list the defaulted borrowers names and particulars on the Website of the CGTMSE. (f) The decision to release the collateral security and/or third party guarantee in respect of the existing credit facilities extended to the eligible SSI is left to the discretion of the Bank. The additional credit facilities sanctioned upto Rs. 50 lakh per borrower, subsequently, without collateral security and/or third party guarantee to such SSI units, can be covered under the Guarantee Scheme. (g) In case of accounts covered under CGTMSE where rephasement/ reschedulement is required, the Bank may approve the proposal and intimate to the CGTMSE the

detailed terms and conditions of rephasement. (h) Further, if as a part of rephasement / reschedulement sanction of additional credit facility to the borrower is granted (within the overall eligible credit limit of Rs. 50 lakh under CGTMSE), the Bank is required to pay to CGTMSE the guarantee fee on the additional credit facility sanctioned at the stipulated rate (presently 1.5%). However, if the account is already guaranteed for a maximum credit limit of Rs. 50 lakh, while considering rephasement/ reschedulement, it may be noted that no additional credit facility can be covered under CGTMSE. xvi). Termination of liability of CGTMSE

In certain cases as enumerated below, the liability of CGTMSE shall be terminated – (a) If the liabilities of a borrower to the Bank on account of any eligible credit facility guaranteed under CGTMSE are transferred or assigned to any other borrower and if the conditions as to the eligibility of the borrower and the amount of the facility and any other terms and conditions, if any, subject to which the credit facility can be guaranteed under CGTMSE are not satisfied after the said transfer or assignment, the guarantee in respect of the credit facility shall be deemed to be terminated as from the date of the said transfer or assignment. (b) If a borrower becomes ineligible for being granted any credit facility under the Scheme, by reason of cessation of activity or activity/undertaking ceasing to come within the definition of a small scale industrial unit, the liability of CGTMSE in respect of any

Talk not of the good turn you did your friend. Foreget it. Advertised generosity has no virtue.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

credit facility granted to the borrower by the Bank under CGTMSE shall be limits to the liability of the borrower to the Bank as on the date on which the borrower becomes so ineligible, subject, however, to the limits of CGTMSE fixed under CGTMSE. (c) Notwithstanding the death or retirement of a partner where the borrower is a partnership firm or the death of one of the joint borrowers, if the Bank is entitled to continue the credit facility to the surviving partner/ partners or the surviving borrower / borrowers, as the case may be, and if the credit facility has not already become non performing asset, the guarantee in respect of such credit facility shall not be deemed to be terminated as provided in sub paras A & B above. xvii). Payment of Guarantee Fees • The Bank is required to pay the guarantee fee within 30 days from the date of first disbursement of credit facility.

• However, wherever the Bank had already disbursed / released , either partly or fully, the credit facility to the borrower before applying for guarantee cover to the CGTMSE, the Bank will have to pay the guarantee fee within 30 days from the date of Demand Advice (CGDAN) of guarantee fee in respect of the

approved proposal.

• The Guarantee Fee / Annual Service Fee has to be remitted by demand draft only in favour of CGTMSE, payable at Mumbai, with details of the payment and after allocation of the payment in the system.

• The Demand Advice number should invariably be written on the reverse of the Demand Draft and should also be referred to/ mentioned in the covering letter enclosing the Demand Draft to be sent by Regd. Post to: The Deputy General Manager, Credit Guarantee Fund Trust for Micro & Small Enterprises 7th Floor, SME Development Centre C-11/Block G, Bandra Kurla Complex, MUMBAI – 400 051 xviii). Additional Benefits to the borrower

Life Insurance Cover of Rs. 2 lacs for every Chief Promoter of the units provided cover under the CGTMSE Scheme (irrespective of the amount of credit covered under CGTMSE Scheme). Nomination to be made by the beneficiary. This benefit cannot be assigned/charged. Death Claim, in the prescribed form is to be lodged with required annexures WITHIN 30 days of the death of the Chief Promoter.

No day is lost which is spent with a worthwhile books.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

DeeHelkeÀeueerve J³eJemLeeHevee®eer J³eeHleer Je mebmLeeb®eer YetefcekeÀe

Dee

HelkeÀeueerve He´mebieemeeþer DeeOeer®e DeeKeuesu³ee ³eespevesle mebYeeJ³e vegkeÀmeeve keÀmes keÀceerle keÀceer nesF&ue ³eeuee He´eOeev³e Je He´eflemeeoe®eer j®evee DebleYet&le Deens. DeeHelkeÀeueerve He´eflemeeoele Peeuesu³ee vegkeÀmeeveer®ee Deboepe, Je l³eeletve GodYeJeCeeN³ee iejpee, Keyejoejer®eer HetJe& met®evee, ueeskeÀebMeer mebHeke&À, leele[er®eer Deew<eOeesHe®eej ³eespevee, MeesOe Je ye®eeJe ceesefnce, Ye³eieb[eHeemetve pevelesuee DeeOeej Je l³eebvee Oeeske̳ee®³ee peeiesHeemetve nueefJeCes DeeoeR®ee meceeJesMe Deens.

DeeHelkeÀeueerve J³eJemLeeHeveele HegveJe&meve, Hegveyee¥OeCeer Je HetJe&HeefjefmLeleerves Jelet&U HetCe& nesles. SkeÀoe mebkeÀì Deeues keÀer ³ee HeJee&le pevepeerJeve meJe&meeOeejCe HeefjefmLeleerle DeeCee³e®es Demeles. ³ee Jelet&Uele HetveJe&mevee®³ee MeejerefjkeÀ, meeceeefpekeÀ, DeeefLe&keÀ Je ceevemeesHe®eeefjkeÀ He´efke´À³eeb®ee meceeJesMe Demelees.

DeeHelkeÀeueerve J³eJemLeeHeve ns Flej J³eJemee³eemeejKes vemeles. pemes, l³eeleueer leele[er, DeeHeu³ee Hee³eeJej keÀoeef®ele 24 leemeentvener DeefOekeÀ keÀeU mesJesmeeþer PeesketÀve keÀece keÀjC³ee®eer iejpe, kesÀJeU ®eebieuee veeiejerkeÀ `mebkeÀì cees®ekeÀ' cnCetve efceUCeejs ceveëHetleë meceeOeeve Demeles. keÀecee®ee ceesyeouee DeeHeu³ee keÀecee®³ee mlejeJeªve þjlees, pej legcner DeeHelkeÀeueerve J³eJemLeeHeveeleu³ee DeJeIe[ keÀeceefiejer®³ee J³eJemee³eele Demeeue, lej DeeHeu³eeme peeieeflekeÀ yeBkeÀ efkebÀJee ³egefvemesHeÀ meejK³ee He´efleefveOeer mebmLeeb®eer ceev³elee ueeYesue. legcneuee ®eebieuee meuueeieej cnCetve legce®³ee neleer He³ee&³e Demesue.

Yeejleele DeeHelkeÀeueerve J³eJemLeeHeve Depetvener He´eLeefcekeÀ mlejeJej®es Deens. J³eeJemeeef³ekeÀ l³eele pescelesce

Lees[kesÀ®e Deensle. Meemevee®³ee efJeYeeieele®e veeskeÀjer®eer ®eebieueer mebOeer Deens. lemes®e Deeblejje<ì^er³e osCeieeroej He´efleefveOeer, osMeer-efJeosMeer DeMeemekeÀer³e mebmLee, meb³egkeÌle #es$es, DeeefLe&keÀ mebmLee Fl³eeoerletvener mebOeer Demeles. lemes keÀeceieej Keel³eeleueer yeeyeg ceb[Uer Demeles, keÀener p³eeoe peyeeyeoeN³eener Demeleele. lej DeeHelkeÀeueerve J³eJemLeeHeveele SsveJesUer pes keÀener efJeMes<e keÀewMeu³e Je GHeueyOe ceveg<³eyeU ³eeb®³ee peesjeJej ceesnerce HeÀlles keÀje³e®eer Demeles. leLeeefHe, DeeHelkeÀeue DekeÀmceele keÀeUpeer®es #es$e Demelees. Je Meemeveeuee lJejerle keÀejJeeF& nJeer Demeles. mebkeÀìeOeerve Jeml³eebletve pevepeeie=leermeeþer ceeefnleer ÐeeJe³ee®eer Demeles. J³eeJemeeef³ekeÀ Je mebmLeebveener mepeie keÀjeJe³ee®es Demeles. ceneje<ì^elener DeeHelkeÀeueerve J³eJemLeeHeve keWÀês Deensle. leMeer iegpejele ceO³esner Deensle. Mew#eefCekeÀ mebmLeener DeeHelkeÀeueerve J³eJemLeeHevee®eer (kesÀ[j) MeeKee keÀe{tve DeeHelkeÀeueerve J³eJemLeeHevee®es J³eeJemeeef³ekeÀ le³eej keÀjC³eemeeþer He´³elveMeerue Deensle. DeeHelleer®eer J³eeHleer Je JeejbJeeefjlee DeeHelkeÀeueerve J³eJemLeeHeveeme Deie´Yeeieer þsJeles.

Je DeeHelleer J³eJemLeeHeveele jme DemeCeeN³eebvee KetHe ceesþe JeeJe Deens. Yeejleer³e Deejesi³e mesJee mJe³ebmesJeer Je ces[erkeÀes He´sÀv[ meke&Àue (Sce.SHeÀ.meer) ®es mepe&ve, veYeespeerle je³e, ³ee DeeHelkeÀeueerve J³eJemLeeHeve legkeÀ[erleu³ee meom³eevegmeej, Deejesi³e mesJesleues, meeceeefpekeÀ Je He´MeemeefvekeÀ #es$eeleues ueeskeÀ DeeHelkeÀeueerve J³eJemLeeHeveele efve³eceeb®³ee yeeT Kesefjpe vemeuee lejer DeefOekeÀ meg³eesi³e þjleele. mene ceefnv³eeb®ee DeeHelkeÀeueerve J³eJemLeeHevee®ee

Kindness is a language, which the deaf can hear and the blind can read.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

He´ceeCeHe$e DeY³eemeke´Àce ³ee #es$eele meJe&meeceev³e ceeefnleer HegjefJelees. DeeHelkeÀeueerve J³eJemLeeHevee®³ee Yeejleeleu³ee ®eekeÀesjer®eer peeCe Je DeeHelleer®es keÀejCe Je HeefjCeece ceesþîee DeeHelleer®³ee DeeIeelee®eer keÀuHevee osles.

SkeÀ Je<eer&³e mveelekeÀ HeM®eele HeoefJekeÀe keÀenerMeer DeefOekeÀ HeeleUerJej vesle, He´l³eskeÀ ìHH³eeJejerue DeefOekeÀ leHeMeerueJeej ceeefnleer osles. lej Sce.Sme.meer. HeoJeer DeeHelkeÀeueerve J³eJemLeeHevee®eer meeOeves Je leb$e ³eeb®es leHeMeerueJeej %eeve osTve J³ekeÌleerme me#ece keÀjles. ³ee efJe<e³eeJejerue Jee{l³ee pevepeeie=leermeeþer®³ee meKeesue DeY³eemeke´Àceele DeeHelleerHe´JeCe mebYeeJ³e Yeeieeleerue DeeHelleermebyebOeele GCeerJeeb®eer ceeefnleer Je Oeeske̳ee®³ee Deboepee®es ueeskeÀebmeeþer®es He´efMe#eCe efceUles.

Dee³e.Dee³e.ìer®³ee DeY³eeme keWÀêe®es mebMeesOekeÀ Meem$eer efHe´efvmeHeue [e@. veeieepe&ve ³eeb®esvegmeej ³ee #es$eeleu³ee ceeefnleer®³ee He´´mleeJevesmen ³ee DeY³eemeke´Àceele cetU ³eebef$ekeÀ, jemee³eefvekeÀ, meerJeerue Je He³ee&JejCeer³e DeefYe³eebef$ekeÀer ³ee MeeKes®³ee mveelekeÀebvee HetCe& J³eeJemeeef³ekeÀ %eeveeyejesyej J³eJemLeeHekeÀer³e ¢<ìerkeÀesveeletve SkeÀef$ele HeefjHetCe& J³eeJemeeef³ekeÀe®ee opee& efceUlees. ³esCeeN³ee YeefJe<³eele DeeHelkeÀeueerve J³eJemLeeHeveemeeþer, Je meceepe mJeemL³eemeeþer, mJeejm³e DemeCeeN³ee J³ekeÌleer Je mebmLeebvee ³ee efMe#eCee mebyebOeele DeeHeu³ee ceveg<³eyeUeme ns cenlJee®es He´efMe#eCe osCes iejpes®es Jeeìles, l³eeb®³eemeeþer ner ceeefnleer GHeueyOe keÀjerle Deenesle. DeeHelkeÀeueerve J³eJemLeeHevee®es He´efMe#eCe Je DeY³eemeke´Àce Keeueerue efþkeÀeCeer GHeueyOe Deensle. l³ee®ee meeceeefpekeÀ Je ceewefuekeÀ iejpe cnCetve mebmLeebveer GHe³eesie keÀªve I³eeJee. lemes®e mebmLeeleerue J³ekeÌleeRveerner He´efMeef#ele nesTve me#ece nesCes lesJe{s®e iejpes®es Deens. DeeHelkeÀeueerve HeefjefmLeleer vewmeefie&keÀefjl³ee GodYeJeles. lemes®e, ³egOo, DeeflejskeÀer nuuee, DekeÀmceele Deeie

ueeieCes, Hetj ³esCes, Jeemlet {emeUCes Fl³eeoeRcegUsner GodYeJet MekeÀles.

Meemevener Deelee ³eemebyebOeele DeefOekeÀ mepeie Peeues Demetve Meeues³e efMe#ekeÀeletve He´eflemebmLee oesve efMe#ekeÀebvee oesve efoJemee®es DeeHelkeÀeueerve J³eJemLeeHevee®es He´efMe#eCe MeemeveekeÀ[tve osC³eele ³esle Deens. He´efMeef#ele efMe#ekeÀebveer Flej efMe#ekeÀebvee ceeie&oMe&ve keÀjCes Je ceeefnleer osCes l³ee ceeefnleer®³ee DeeOeejs mebyebOeerle efMe#ekeÀebveer MeeUsleu³ee DeKesj®³ee efJeÐeeL³ee&He³e¥le DeeHelkeÀeueerve J³eJemLeeHevee®³ee ieebYeer³ee&®eer peeCeerJe keÀªve osCes DeHesef#ele Deens.

DeeHelkeÀeueerve J³eJemLeeHevee®³ee efMe#eCe mebmLee efo Fbefoje ieebOeer ve@Meveue DeesHeve ³egefveJeefme&ìer (IGNOU) veJeer efouueer, mene ceefnv³ee®ee He$eDeY³eemeke´Àce Iesles. DeefuekeÀ[s HegC³ee®³ee `³eMeoe`®³ee meb³egkeÌle He´³elveeletve SkeÀ Je<eea³e mveelekeÀ HeM®eele HeoefJekeÀe Fbie´peer, efnboer Je cejeþer ceeO³eceeletve GHeueyOe Deens. ³ee®eHe´ceeCes HegC³ee®³ee `³eMeoe`yejesyej DeeHelkeÀeueerve J³eJemLeeHevee®ee Sce.Sme.meer HeoJeer DeY³eemeke´Àce IesC³ee®es þjues Deens. Flej mebmLee1 YASHADA jepe YeJeve keÀe@cueskeÌme, yeejvesj jes[, HegCes-411 007 2. ve@Meveue efmeJnerue ef[HesÀvme keÀe@uespe, meerJnerue ueeF&vme veeieHetj-440 001 3. ve@Meveue meWìj HeÀe@j ef[pee@mì&[ ce@vespecesvì, FbêHemLe Fmìsì, efjbie jes[, veJeer efouueer.

4. DecesefjkesÀle pee@pe& Jee@efMebieìve ³egefveJnefme&ìer efJemkeÀveefmeve ³egefveJnefme&ner De@ì yeeJetu[j.

-mebke´ÀceCe HeÀer®eme&

As land is improved by sowing with various seeds, so is the mind by exercising with different studies.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

ce

®euee Deelee mebmLee veeWoCeeruee ®euee

veele ueeskeÀefnlee®³ee GefÎ<ìeb®eer ieeþ yeebOeueer. ®euee Deelee mebmLee veeWoJet ³ee. mebmLee veeWoCeer®ee Je HeM®eele mebYeeJ³e yeoueeb®ee Yeeie keÀe³eosMeerjHeCes Heej Hee[u³eeme mebmLesuee DeeHeu³ee GefÎ<ìebvegmeej ceeie&ke´ÀceCee keÀjlee ³esles. megªJeeleer®³ee efJeMJemle ceeefmekeÀe®³ee DebkeÀeletve mebmLee veeWoCeer mebyebOeele DeeJeM³ekeÀ ceeefnleer osTve Peeueer Deens. lejerner veeWoCeer®³ee He´efke´À³esleu³ee DeeJeM³ekeÀ le³eejermeeþer mebmLee veeWoCeer®ee ie=nHeeþ HetvejeJe=lleerves cegÎece keÀªve Iesle Deenesle. keÀejCe ne mebmLee veeWoCeer®ee Hee³ee {tme{tMeerle jeefnuee lej Heg{s Jeeì®eeueerle jeefnuesu³ee HeÀìeRcegUs Je ceveg<³emJeYeeJee®³ee mJeeLeea Je celeueyeer ¢<ìerkeÀesveeves keÀeueeblejeves Ye´<ìe®eejeuee mebOeer efceUles. mebmLes®es DeHeefjefcele vegkeÀmeeve Ie[t MekeÀles. keÀe³e&keÀejCeer®³ee Je efJeMJemleeb®³ee ceeveefmekeÀlesJej Je veweflekeÀlesJej l³eecegUs ceUYe ³esT MekeÀles. peveefnlee®eer GefÎ<ìîes Je l³eemeeþer ceveesYeeJes Jeeìle Deeuesueer DencenefcekeÀe efMeefLeue nesles. Je Heg{s mebmLeener {sHeeUleele. efJeÐeeL³ee¥®ee DeY³eeme HekeÌkeÀe keÀjC³eemeeþer HegvejÀefkeÌle Je He´³eeme mee³eemeeb®eer iejpe cenlJee®eer Demeles, lesJe{er®e cenlJee®eer leer mebmLee veeWoCeermeeþer þjle Demeu³eeves DeeJeM³ekeÀ mebmLee veeWoCeer DeefOeefve³ece 1860 DevJe³es veeWoCeeryeeyele®es He´He$e (HeÀe@ce&) pemes®³ee lemes YeeJeer He´Jele&keÀebmeeþer meeoj keÀjerle Deenesle. l³eecegUs mebmLee veeWoCeer®ee He´l³e#e Oe[e efiejJeeruee peeJee. meceepe OeejCesmeeþer meceepee®³ee DeveskeÀefJeOe iejpee Je efJe<e³eemebyebOeer®³ee mebmLee ueeskeÀefnlee®³ee He´sjCesves mLeeHeve nesC³eemeeþer cegU veeWoCeermeeþer®³ee Depee&®es®e HeefjefMe<þ-`De',`ye',`keÀ',`[',`F',`HeÀ' ³ee He´He$ee®ee®e vecetvee mebmLee veeWoCeer®³ee efyeve®etkeÀ He´³elveemeeþer meeoj keÀjerle Deenesle. HeefjefMe<þ `De' les `HeÀ' KeeueerueHe´ceeCes ö HeefjefMe<ì ’De“

efoveebkeÀ ë He´efle mene³ekeÀ mebmLee efveyebOekeÀ, efJeYeeie,

efJe<e³e ë- mebmLee veeWoCeer DeefOeefve³ece, 1860 DevJe³es veeWoCeeryeeyele

mebmLes®es veeJe ceneso³e, efveJesove keÀjC³eele ³esles keÀer, efJe<e³eele veceto kesÀuesu³ee mebmLes®eer veeWoCeer mebmLee DeefOeefve³ece 1860 He´ceeCes keÀjeJe³ee®eer Deens. meyeye DeeHeCeekeÀ[s KeeueerueHe´ceeCes keÀeieoHe$e meeoj keÀjC³eele ³esle Deensle ë(1) efJeOeeveHe$e (%eeHeve) (cesceesj@v[ce Dee@HeÀ DemeesefmeSMeve).

(2) efve³ece Je efve³eceeJeueer®eer mel³e He´le.

(3) mebmLee veeWoCeer meboYee&le keÀe³e&keÀejer ceb[Ue®es meJe& meYeemeoeb®es mebceleerHe$e.

(4) mebmLee veeWoCeeryeeyele keÀe³e&keÀejer ceb[Ue®³ee meJe& meYeemeoeb®³ee menerveerMeer DeefOekeÀej He$e.

Knowledge is a treasure, but practice is the key to it.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

(5) mebmLes®³ee Hell³eeyeeyele Je ceeuecellesyeeyele DeO³e#e Je meef®eJe ³eeb®es He´efle%eeHe$e ª. 20 ®³ee mì@cHe HesHejJej ª.1.25 Hewmes keÀeì& HeÀer mì@cHemen.

Heg{s Demesner efveJesove keÀjC³eele ³esles keÀer, Jejerue mebmLes®es meJe& GÎsMe meve 1860 ®³ee mebmLee veeWoCeer DeefOeefve³ecee®³ee keÀuece 20 DevJe³es Demetve Jejerue mebmLes®³ee veeJee®eer Jee veeceme¢Me Demeuesueer Dev³e mebmLee ceePes ceeefnleerHe´ceeCes DeefmlelJeele veener. veeWoCeer MegukeÀ ªHe³es 50 (ªHe³es Hevveeme HeÀkeÌle) YejC³eeme le³eej Deens. lejer Jejerue mebmLee, veeWoCeer DeefOeefve³ece, 1860 DevJe³es lJeefjle veeWoJeeJeer DeMeer efJevebleer Deens. keÀUeJes, DeeHeuee, (Depe&oeje®es veeJe Je Hellee) menHe$es ë JejerueHe´ceeCes. HeefjefMe<ì ’ye“ ........................................................... ³ee mebmLes®es (%eeHeve) ............................................................ (cesceesj@v[ce Dee@HeÀ DemeesefmeSMeve) (1) mebmLes®es veeJe (2) mebmLes®³ee keÀe³ee&ue³ee®ee Hellee (3) mebmLes®es O³es³e Je GÎsMe (4) (mebmLes®es veeJe .........................................................) ³ee mebmLes®³ee efve³ece Je efve³eceeJeueerHe´ceeCes p³ee keÀe³e&keÀejer ceb[UeJej meojnt mebmLes®eer J³eJemLee Jee keÀejYeej meesHeefJeC³eele Deeuesuee Deens DeMee Heefnu³ee keÀe³e&keÀejer ceb[Ue®³ee meYeemeoeb®eer mebHetCe& veeJes Je Helles, ngÎs, Je³e, J³eJemee³e Je je<ì^er³elJe KeeueerueHe´ceeCes DeensëDevegke´ÀceebkeÀ mebHetCe& veeJe Hellee ngÎe Je³e je<ì^er³elJe J³eJemee³e (efve³ece/efve³eceeJeueerle efpeleke̳ee HeoeefOekeÀejer Je meom³eeb®eer mebK³ee Demesue l³ee meJee¥®eer ceeefnleer).

(5) Deecner Keeueerue me¿ee keÀjCeejs (mebmLes®es veeJe) ®es meom³e peenerj keÀjlees keÀer, mebmLee veeWoCeer DeefOeefve³ece, 1860 DevJe³es DeefYeHe´sle kesÀuesueer mebmLee DeefmlelJeele DeeCeC³ee®eer Deece®eer F®íe Demetve Jejerue GÎsMeeves Deecner SkeÀ$e ³esTve (mebmLes®es veeJe) ner mebmLee Deepe efoveebkeÀ / / jespeer mLeeHeve kesÀueer Demetve leer mebmLee veeWoCeer DeefOeefve³ece, 1860 DevJe³es veeWoCeer keÀjC³eemeeþer Deecner ³ee efJeOeeveHe$eeJej me¿ee kesÀu³ee Deensle.

When all else is lost the future still remains.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

Devegke´ÀceebkeÀ

meYeemeoe®es mebHetCe& veeJe Je Hellee

mener keÀe³e&keÀejer ceb[Ue®eer meYeemeo mebK³ee 7 Hes#ee peemle Demeu³eeme l³ee meJe& meYeemeoeb®eer veeJes, Helles Je me¿ee ³ee efþkeÀeCeer nJ³eele.

mLeU ëefoveebkeÀ ëJejerue me¿ee keÀjCeeN³ee Fmeceebvee ceer DeesUKelees Je l³eebveer ceeP³ee mece#e ³ee efJeOeeveHe$eeJej me¿ee kesÀu³ee Deensle. leejKesmen mebHetCe& veeJe, Hellee Je efMekeÌkeÀe.

mener/efJeMes<e keÀe³e&keÀejer ob[eefOekeÀejer/JekeÀerue/meveoer uesKeeHeeue/veesìjer.

HeefjefMe<ì ’keÀ“ ...........................................................³ee mebmLe®eer efve³ece Je efve³eceeJeueer (1) efve³eceeJeueerlenue meboYeea³e Meyoeb®eer J³eeK³ee.

(2) keÀe³e&#es$e.

(3) efnMeesyee®es Je<e&.

(4) meYeemeolJe Je l³eeb®eer veeWoCeer®eer HeOole.

(5) meYeemeoeb®es He´keÀej.

(6) meYeemeolJe jÎ nesCes. (7) meJe&meeOeejCe meYee, efle®es DeefOekeÀej DeeefCe keÀe³ex.

(8) meJe&meeOeejCe meYes®eer met®evee Je ieCemebK³ee.

(9) efJeMes<e meJe&meeOeejCe meYee Je efle®eer keÀe³ex.

(10) mebmLes®es keÀe³e&keÀejer ceb[U, HeoeefOekeÀejer ³eeb®eer j®evee.

(11) keÀe³e&keÀejer ceb[Ue®ee keÀe³e&keÀeU Je efveJe[CegkeÀer®eer HeOole.

(12) keÀe³e&keÀejer ceb[Ue®es HeoeefOekeÀejer Je l³eeb®eer keÀeces.

(13) keÀe³e&keÀejer ceb[Ue®eer meYee Je ceeieCeer®eer meYee. (14) keÀe³e&keÀejer ceb[Ue®es meYes®eer met®evee Je ieCemebK³ee.

(15) keÀe³e&keÀejer ceb[Ue®es efveJe[CegkeÀer®es efve³ece.

(16) keÀe³e&keÀejer ceb[Ueleerue efjkeÌle Heo YejC³eeyeeyele.

Concentration and will can be developed as well as muscles; they grow by regular training and exercise.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

(17) keÀe³e&keÀejer ceb[Ue®es DeefOekeÀej Je keÀle&J³es.

(18) mebmLes®eer efveOeer, efceUkeÀle Je efJeefve³eesie.

(19) GefÎ<ìefvene³e Ke®ee&®eer lejleto (ìkeÌkesÀJeejer He´ceeCes).

(20) keÀpe& efkebÀJee þJeer mebyebOeer lejleto.

(21) mLeeJej ceeuecellee Kejsoer efJeke´Àer keÀjCes yeeyele®eer lejleto.

(22) yeBkeÀ Keeles (23) meYeemeoeb®eer ³eeoer þsJeC³ee®eer HeOole ë(24) efve³ece DeeefCe efve³eceeJeueerle yeoue keÀjC³eeyeeyele®eer lejleto.

(25) mebmLes®³ee veeJeele Je GÎsMeele yeoue keÀjC³eeyeeyele®eer lejleto

meve 1971 ®³ee mebmLee veeWoCeer (ceneje<ì^) efve³eceeceO³es GuuesKe kesÀuesues Devegmet®eer 1,2 Je 6 ®es mJeleb$e vecegves Depe&oeje®es menerveerMeer DemeeJes Je l³eeyeeyele efve³eceeJeueerle lejleto kesÀuesueer DemeeJeer.

(26) efJemepe&ve oeKeuee He´ceeefCele keÀjC³eele ³esles keÀer, ......................(mebmLes®es veeJe) ³ee mebmLes®³ee efve³ece Je efve³eceeJeueer®eer mel³e He´le Deens.

HeoeefOekeÀejer ³eeb®es mebHetCe& veeJe Je ngÎe mener (1) (2) (3) mLeU ëefoveebkeÀ ëìerHe ë- keÀceerle keÀceer leerve HeoeefOekeÀejer ³eebveer He´ceeefCele keÀjeJe³eeme nJeer.

HeefjefMe<ì ’[“ mebceleer He$e He´efle mene³ekeÀ mebmLee efveyebOekeÀ, efJeYeeie,

efJe<e³e ë- mebmLee veeWoCeer DeefOeefve³ece, 1860 DevJe³e ......................................

He has achieved success who has worked well, laughed often and loved much.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

(mebmLes®es veeJe) ³ee mebmLes®eer veeWoCeer.

........................................................................... ceneso³e, Deecner Keeueerue me¿ee keÀjCeejs .................................................................... (mebmLes®es veebJe) ³ee mebmLes®³ee Heefnu³ee keÀe³e&keÀejer ceb[Ue®es meYeemeo Demetve meoj mebmLes®³ee keÀe³e&keÀejer ceb[UeJej mebmLes®³ee O³es³e, GÎsMe Je efve³eceeJeueerHe´ceeCes keÀece keÀjC³eeme Deece®eer mebceleer Deens. lemes®e mebmLee veeWoCeer DeefOeefve³ece, 1860 DevJe³es meoj mebmLes®eer veeWoCeer nesC³eeme Deece®eer mebceleer Demetve l³ee®es He´eflekeÀ cnCetve Deecner Deece®³ee mJee#eN³ee ³ee mebceefleHe$eeJej kesÀu³ee Deensle.

DeeHeues, mener Devegke´ÀceebkeÀ (1) (2) (3) (4)

veeJe

(5) (6) (7) (keÀe³e&keÀejer ceb[Ueleerue HeoeefOekeÀejer Je meYeemeo ³eeb®eer veeJes Je me¿ee JejerueHe´ceeCes IesCes) mLeU ëefoveebkeÀ ëJejerue me¿ee keÀjCeejs ³eebvee ceer DeesUKelees. l³eebveer ceeP³ee mece#e me¿ee kesÀu³ee Deensle.

mener Je leejerKe (efJeMes<e keÀe³e&keÀejer ob[eefOekeÀejer/JekeÀerue/meveoer uesKeeHeeue/veesìjer) mebHetCe& veebJe, Hellee Je efMekeÌkeÀe.

To handle yourself use your head; to handle others use your heart.

28

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009 HeefjefMe<ì ’F&“ DeefOekeÀej He$e

He´efle mene³³ekeÀ mebmLee efveyebOekeÀ, efJeYeeie, ceneso³e, Deecner Keeueerue me¿ee keÀjCeej ............................................................³ee mebmLes®³ee keÀe³e&keÀejer ceb[Ue®es meYeemeo veceto keÀjerle Deenesle keÀer, ³ee mebmLes®³ee Jeleerves Þeer. .............................. (meYeemeoe®es/HeoeefOekeÀejer ³eeb®es veeJe) ³eebvee meojnt mebmLee veeWoCeer yeeyele®es keÀeieoHe$eele DeeJeM³ekeÀ les yeoue keÀjC³ee®es DeefOekeÀej ³ee He$eeves He´oeve keÀjerle Deenesle.

De.ke´À. meYeemeoe®es veeJe me¿ee (1) (2) (3) (4) (5) (6) (7) mLeU ëJejerue DeefOekeÀejHe$e mJeerkeÀejues. leejerKe ëDeefOekeÀej ie´nCe keÀjCeeN³ee meYeemeoe®eer mener Je leejerKe HeefjefMe<ì ’HeÀ“ (He´efle%eeHe$e ª.20/- mì@cHe HesHejJej ª. 1.25 keÀesì& HeÀer mì@cHe ueeJeuesuee.)

He´efle%eeHe$e ceer, Keeueer mener keÀjCeej Þeer..........................Je³e J³eJemee³e........................jenCeej lee.................................efpe.......................mel³e He´efle%esJej meebielees keÀer,ö Courage consists, not in the ability to overlook danger, but in seeing and conquering it.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

(1) ceer (mebmLes®es veeJe) ieeJe ................... ³ee mebmLes®ee SkeÀ meYeemeo/efJeMJemle Demetve mebmLee veeWoCeer DeefOeefve³ece, 1860 DevJe³es meoj mebmLee veeWoCeer keÀjerlee mene³³ekeÀ mebmLee efveyebOekeÀ ........................ efJeYeeie ³eeb®es keÀe³ee&ue³eele efoveebkeÀ ............................. jespeer He´mleeJe oeKeue kesÀuesues Deens. meoj mebmLes®³ee %eeHeveeleerue efve³ece Je efve³eceeJeueerleerue lemes®e He´mleeJeeyeeyele pees[uesues Flej keÀeieoHe$eeleerue cepeketÀj Je efJeOeeves yejesyej Je mel³e Deensle.

Jejerue mebmLee ner Oecee&oe³e/Oeeefce&keÀ mJeªHee®³ee GÎsMeekeÀefjlee mLeeHeve kesÀueer Demetve efle®es O³es³e Je GÎsMe mebmLee veeWoCeer DeefOeefve³ece, 1860 ®³ee keÀuece 20 He´ceeCes Deensle. ceer Demesner meebielees keÀer, (1) ³ee mebmLes®es efJeOeeveHe$eeJej (mebmLeeHeve mece³eeuesKe) me¿ee keÀjCeeN³ee meJe& meYeemeoebvee ceer DeesUKelees.

(2) Deepe leejKesHe³e¥le veeWoCeer He´keÀjCeeleerue cepeketÀjele keÀenerner yeoue Peeuesuee veener.

(3) Jejerue veeJee®eer efkebÀJee veeceme¢M³e Demeuesueer mebmLee/ceb[U ceeP³ee ceeefnleerHe´ceeCes Deece®³ee ieeJeer DeeefmlelJeele Jee veeWo Peeuesueer veener.

(4) Deepe leejKesHe³e¥le, mebmLesme keÀesCel³eener He´keÀej®eer mLeeJej/pebiece ceeuecellee veener. pebiece ceeuecellee cnCetve KeeueerueHe´ceeCes Deens Je leer Þeer........................... DeO³e#e/meef®eJe ³eeb®es leey³eele Deens. mebmLespeJeU jesKe jkeÌkeÀce ª........................... De#ejer ªHe³es ................................. Deens Je leer Þeer................................³eeb®eskeÀ[s yeBkesÀle/Heesmìele mebmLes®³ee veeJeeves pecee Deens.

(5) ³ee mebmLes®³ee %eeHeveele mebmLes®³ee keÀe³ee&ue³ee®ee Hellee efkebÀJee mebmLes®³ee He$eJ³eJeneje®ee Hellee ................ ...................³ee meojele efouesu³ee Hell³ee®eer peeiee ner ceeP³ee ceeuekeÀer®eer/Yee[îee®eer Jeef[ueesHeeefpe&le/ DeefOeke=Àleefjl³ee Deens. l³ee Heg<þîeLe& ceer ......................... ³ee omleSsJepeeb®eer Kejer He´le ³ee He´efle%eeHe$ekeÀemeesyele meeoj kesÀueer Deens. ³ee yeeyeleerle keÀener keÀceer peemle Peeu³eeme DeLeJee keÀener Jeeo efvecee&Ce Peeu³eeme l³ee®eer mebHetCe& peyeeyeoejer ceePeer mJeleë®eer lemes®e mebmLes®es Flej HeoeefOekeÀejer ³eeb®eer jenerue. mebmLes®³ee Hell³eele keÀener yeoue Peeu³eeme lees efjlemej DeeHeu³eekeÀ[s keÀUefJeC³ee®eer peyeeyeoejer ceePeer jeefnue. mLeUë- efoveebkeÀ

ceePes mece#e

mener/-

He´efle%ee keÀjCeeN³ee®eer mener

-ceveesnj FbieUs Life's precious moments do not have value, unless they are shared.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

mJe³ebmesJeer mebmLeebmeeþer®³ee keÀpe& ³eespeveebmeeþer ceeefmekeÀ `efJeMJemle'®ee men³eesie

mJee

leb$³eesllej 60 Je<ee&veblejner jespeieej Je GÐeesieeb®³ee mebOeermeeþer kewÀkeÀpeCe DebOeejele ®ee®eHe[le Deensle. SkeÀlej l³eebvee HegjsMeer ceeefnleer efceUle veener, efkebÀJee leer DeHegjer Je DebOeelejer®e Demeles. l³ee ceeefnleer®ee He´YeeJeer GHe³eesie keÀªve Ieslee ³esle veener. HeefjCeeceer vewjeM³eele Yej He[le peeles. Yeejleer³e mebmke=Àleerle `lecemees cee p³eesefleie&ce³e~' ner JewefokeÀ He´eLe&vee Deens. De%eeve Je DebOekeÀejeme íso osle He´keÀeMee®³ee efoMesves PesHeeJeCes, ner keÀeUe®eer iejpe Deens. l³eemeeþer efJeMJeemeen& ceeefnleer, me#ece ceeie&oMe&ve, He´sjCee Je efpeÎer®eer DeeJeM³ekeÀlee Deens. DeMeemekeÀer³e mebmLee, mJe³ebmesJeer mebmLee Je efJeMJemle mebmLeebmeeþer ceeie&oMe&keÀ ðeesle DeJ³eenleHeCes GYee keÀjC³ee®es Je´le ceeefmekeÀ efJeMJemleves Iesleues Deens. l³eele mebmLeeb®³ee keÀu³eeCee®ee®e efJe®eej DeefYeHe´sle Deens. ³ee ceeefmekeÀe®³ee Jee®ekeÀebvee efJeMJeemeen& ceeefnleer HegjJele Demelee, kesÀJeU `iees<ìer meebiesve ³egkeÌleer®³ee ®eej' SJe{îeeJej®e ve Leeyelee mebmLeeb®es yeesì Oeªve keWÀê Meemeve jep³e Meemevee®³ee DeveskeÀefJeOe ³eespevee le l³eebvee menYeeieer keÀªve, iejpet pevelesmeeþer Hetue GYeejC³eele efJeMJemleuee mJeejm³e Deens. mebmLeebvee Jemletefve<þ ceeie&oMe&ve, l³ee l³ee ³eespevesmeeþer DeeJeM³ekeÀ He´keÀuHe DenJeeue le³eej keÀjCes, Devegoeve Dee³eesieekeÀ[s DeeHeueer #ecelee, ceveg<³eyeU, DeeefLe&keÀ kegÀJele Je Hele ³ee Deveg<ebieeves leHeMeerueJeej Depe& keÀjC³eele mebmLeebvee `efJeMJemle' ceeefmekeÀe®eer ceesuee®eer ceole nesT MekeÀles.

DeeHeu³ee mebmLes®³ee GpJeue YeefJeleJ³ee®es

mJeHve meekeÀejC³eele ceeefmekeÀ efJeMJemle Extansion Approach þsJele Deens. ceeefmekeÀ efJeMJemle®ee efve³eefcele Jeie&Ceeroej nesCes ceeefnleer®ee HeefjmemHeMe& ueeYeC³eeFleHele cenlJee®es Deens. keWÀê Je jep³e Meemevee®³ee DeveskeÀefJeOe ³eespeveeb®eer ceeefnleer Jee®ekeÀebmeeþer JesUesJesUer osC³ee®ee He´³elve nesle Deens. cnCetve mebmLee He´Jele&keÀebveer efJeMJemle®³ee menkeÀe³ee&meeþer Heg{s ³eeJes Je l³eeb®³ee DeeJe[er®eer Je JekegÀyeevegmeej SKeeoer ³eespevee efveJe[eJeer. leer keÀe³ee&efvJele keÀjC³eemeeþer efle®³ee Depee&Heemetve He´keÀuHe DenJeeueeHe³e¥le®eer ceole efceUJeeJeer. Deecner Iees[s HeeC³eeHe³e¥le vesle Deenesle. leneveuesu³eebveer HeeCeer mJeleë®e H³eeJe³ee®es Deens. DeeHeu³ee nueiepeeaHeCeecegUs veefMeyeeuee oes<e osle yemet vekeÀe! mebmLes®ee efJeMJemle®³ee ceoleerves DeY³ego³e Ie[Jee. ceens peevesJeejer 2009 ®³ee DebkeÀele ceefnuee Je yeeueefJekeÀeme Keel³eekeÀ[erue DeMeemekeÀer³e mebmLeebmeeþer®³ee je<ì^er³e ceefnuee keÀes<e keÀpe& ³eespevee mebyebOeele ceeefnleer osle Deenesle.

1) keÀpe& efJekeÀeme ³eespevee 2) cegK³e keÀpe& ³eespevee 3) efHeÀjl³ee efveOeer®eer ³eespevee 4) ceesþîee keÀpe& efJelejCe ³eespevee 5) megJeCe& Hele HeemeyegkeÀ ³eespevee 6) veJeerve ie=n keÀpe& ³eespevee 7) veJeerve Yeeb[Jeueer keÀpe& ³eespevee

Education is not something one acquires in the class room. It begins the moment one is born and ends when ne dies.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

8) veJeerve keÀewìgbefyekeÀ keÀpe& ³eespevee 9) veJeerve He´efleefveOeer keÀpe& ³eespevee.

10) veeiejer menkeÀejer yeBkeÀeb Je ceefnuee menkeÀejer yeBkeÀebvee DeeefLe&keÀ Hetve&mene³³e.

11) veJeerve #eceleeJeOe&ve keÀpe& ³eespevee.

12) veJeerve cegK³e He´efleefveOeer ³eespevee. ³eeleerue ³ee DebkeÀele Heefnu³ee mene keÀpe& ³eespeveebmebyebOeele ceeefnleer osC³eele ³esle Deens. lej Heg{erue mene keÀpe& ³eespeveebmebyebOeer ceeefnleer ceens HesÀye´gJeejer 2009®³ee DebkeÀeletve meeoj kesÀueer peeF&ue.

1) keÀpe& efJekeÀeme ³eespevee veJeerve Je íesìîee HeCe me#ece DemeCeeN³ee mebmLeebvee keÀeìkeÀmej Je HeleOeejCes®³ee efJekeÀemekeÀeceer Hee®e ueeKeeHe³e¥le jecekeÀes ueIet keÀpe& osles. DeMee mebmLesme keÀceerle keÀceer 6 ceefnv³eeb®ee keÀeìkeÀmej Je HeleOeejCes®ee DevegYeJe DemeeJee. 2)cegK³e keÀpe& ³eespevee p³ee mebmLeebvee keÀeìkeÀmej Je HeleOeejCes®ee leerve Je<ee¥®ee DevegYeJe Deens. l³eeb®ee efJe®eej keÀpee&meeþer ³ee ³eespevesle kesÀuee peelees. ³eele keÀpe& ªHe³es 3 keÀesìer (He´l³eskeÀer He´leer DeMeemekeÀer³e mebmLee Je He´leer jep³e ªHe³es 1 keÀesìer) efoues peeles.

3) efHeÀjl³ee efveOeer®eer ³eespevee mebmLesves cegK³e keÀpe& Keeleer keÀceerle keÀceer oesve keÀpex Iesleuesueer DemeeJeerle. l³eeleu³ee Heefnu³ee®eer HetCe& HesÀ[ JesUsle Peeuesueer DemeeJeer, Je ³ee jkeÀces®ee ³eesi³e JeeHej kesÀuesuee DemeeJee. DeMee mebmLesme DeeJeM³ekeÀ

meeOeve megefJeOee DemeeJeer, pemes ceveg<³eyeU, keÀewMeu³e Je DevegYeJe, keÀe³ee&ue³e Je Jeenves lemes®e KeemekeÀªve veJeerve ye®eleieì vesle=lJe Je ceefnue $e+CekeÀes le³eej keÀjC³ee®eer Je l³eebvee He´efMeef#ele keÀjC³ee®eer #ecelee DemeeJeer. DeMee mebmLeskeÀ[tve keÀceerle keÀceer Hevveeme ye®eleieì le³eej kesÀuesues Je ®eeuet Demeuesues nJesle. meJe& cebpetj keÀpe& SkeÀ efkebÀJee oesve nHeÌl³eele efceUles. keÀpee&®eer Hejle HesÀ[ mene ceefnves HetCe& Peeu³eeJej efleceener nHeÌl³eeves megª nesF&ue. pemee He´l³eskeÀ nHeÌlee HesÀ[uee peeF&ue, lemes jecekeÀes mebmLesme lesJe{er®e jkeÌkeÀce leerme efoJemeele osF&ue. leLeeefHe, keÀener DeìeR®es HetCe& Heeueve JneJe³eeme Heeefnpes.

4)ceesþîee keÀpe& efJelejCe ³eespeveeiesu³ee leerve Je<ee¥®ee met#ce Hele #es$eeleerue keÀe³e&ke´Àce ³eMemJeerHeCes Heej Hee[u³ee®es oeKeefJeCeejer veeWo Je Hee®e Je<ee&®ee meceeOeevekeÀejkeÀ DevegYeJe DemeeJee. mebmLesves keÀceerle keÀceer 300 iejerye yee³ekeÀebHe³e¥le Heesn®eeJe³eeme nJes. efkebÀJee Heg{erue Je<ee&le ³ee He´ceeCeele Heesn®eC³ee®eer #ecelee DemeeJeer. mebmLesves keÀe³eosMeerj Je meceeOeevekeÀejkeÀ efnMesye þsJeeJe³eeme nJesle lemes®e Debleie&le Je yee¿e efnMesye leHeemeCeer keÀªve I³eeJe³eeme nJeer.

5) megJeCe&Hele HeemeyegkeÀ ³eespevee Hee$e $e+CekeÀesme megJeCe& HeemeyegkeÀ efoues peeF&ue. mebmLee ye®eleieìeme cebpetj cetU jkeÌkeÀce ye®ele ieìele leerve Je<ee&meeþer efHeÀjJesue. leLeeefHe, efleceener J³eepe JesUsle YejeJe³eeme nJes. cebpetj ce³ee&os®³ee keÀeueeJeOeerle efkeÀleerner JesUe G®eue Ieslee ³esF&ue Je HejleeJee keÀjlee ³esF&ue. mebmLee He@ÀkeÌmeÜejs keÀOeerner cebpetj keÀeueeJeOeerle jkeÀcesmeeþer ceeieCeer veeWoJesue. lemes®e mebmLee keÀOeerner jkeÌkeÀce Hejle keÀjerue.

There is real magic in enthusiasm. It spells the difference between mediocrity and accomplistment.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

megJeCe& Hele HeemeyegkeÀ Jeeef<e&keÀ HeeneCeer®³ee efvekeÀ<eeJej leerve Je<ee¥meeþer JewOe Demeles.

6) veJeerve ie=n keÀpe& ³eespevee ner ie=nkeÀpe& ³eespevee `mJeHve meekeÀejues' mJeªHee®eer Deens. ³ee ³eespeves®es He´³eespeve ye®eleieìe®³ee meom³eeme jecekeÀes®³ee DeMeemekeÀer³e mebmLes®³ee YeeieeroejeceeHe&Àle efveJeeje efceUeJee. peemleerle peemle Hele ce³ee&oe mJeuHe efkebÀcele Iejemeeþer ªHe³es 50,000 He´leer ueeYeeLeea. DeMeemekeÀer³e mebmLes®³ee meYeemeoeme peceerve efceUeu³ee®eer HeeJeleer DeMeemekeÀer³e mebmLes®³ee YeeieeroejekeÀ[s pecee keÀjeJeer ueeiesue. DeMeemekeÀer³e mebmLes®³ee oesve Yeeieeroejeb®eer/ DeefOekeÀeN³eeb®eer meJe& keÀpe& HesÀ[ermeeþer J³eefkeÌleiele nceer. mebmLes®³ee DeefOekeÀeN³eebceeHe&Àle mebyebefOele HeÌuee@ì p³eebvee efceUeuee l³ee mebmLes®³ee DeMeemekeÀer³e meYeemeoeves l³ee®eer mebmLes®³ee meYeemeoeme Hewmes ve Yejlee efJeunsJeeì ueeJeuesueer vemeu³ee®eer Kee$eer ÐeeJeer ueeiesue. Iej yeebOeleevee ye®eleieì efkebÀJee He´l³e#e ceefnuee ueeYeeLeeame Flej keÀesCel³eener He´efleefveOeerkeÀ[tve DeeefLe&keÀ ceole efceUeuesueer vemeeJeer. mebmLes®³ee Yeeieeroejeme keÀpe& Hejle HesÀ[ Hee®e Je<ee¥®³ee Deele mene ceefnv³eeb®³ee keÀeueeOeejCeeyejesyej keÀjeJeer ueeieles. ceefnuee Je je<ì^er³e ceefnuee keÀes<e®eer keÀpe& ³eespevee SkeÀemebieleerves yeveefJeuesueer Deens. Deeblejje<ì^er³e efveOeer mebmLee Je MesJeì®ee $e+CekeÀes ³eebveer íesìîee keÀpee&Heemetve meg©Jeele keÀªve nUt nUt ceesþîee keÀpe& ³eespevee I³eeJ³eele keÀejCe l³eebvee l³eecegUs DevegYeJe efceUlees Je l³eeb®ee DeeJeekeÀe

Jee{lees ³eevegmeej $e+CekeÀeWveer l³eeb®ee mecetn yeveJeeJee, l³eeb®eer l³eebveer ye®ele keÀjeJeer Je l³eeb®³ee®e ye®eleerletve leele[er®³ee iejpee YeeieefJeC³eemeeþer l³eebveer Heefnues keÀpe& I³eeJes. veblej®e je<ì^er³e ceefnuee keÀes<eekeÀ[tve keÀpee&®eer ceeieCeer keÀjeJeer. mecetnebveer He´Lece keÀpe& IesC³ee®³ee meJe³eer DeeOeer ye®ele keÀjC³ee®eer meJe³e ueeJetve I³eeJeer. jecekeÀesme efometve Deeues keÀer, Del³eble iejerye pees Iejiegleer iejpesmeeþer keÀpe& Ieslees, Je nUt nUt l³ee®³ee GlHevvee®eer veieC³elee IeeueJelees Je peeoe keÀewìtbefyekeÀ Þecee®³ee yeUeJej DeMee HeefjefmLeleerle lees DeefOekeÀ Oeeske̳ee®³ee keÀece®eueeT Yee[Jeuee®³ee iegbleJeCetkeÀer®ee efJe®eej keÀjlees. DeMee mebieleer®ee jecekeÀes efJe®eej keÀjlees. ner mebieleer iejeryeeleu³ee iejeryeeme ³eMemJeerefjl³ee keÀpe& IesC³ee®eer J³eefkeÌleiele v³etvelee, meeceeefpekeÀ v³etvelee Je mebmLeeblcekeÀ v³etveles®³ee De[Leȳeeletve Jej ³esC³eeme GHekeÀejkeÀ Deens.

Lees[ke̳eele iejeryeeleuee iejerye GHepeerefJekesÀ®³ee iejpesletve He´³elveJeMe ye®eleer®³ee ceeO³eceeves DeefOekeÀ me#ece nesle GlHevvee®ee DeYeeJe IeeueJele keÀece®eueeT Yeeb[Jeuee®³ee iegbleJeCetkeÀerle menYeeieer neslees. mebmLeebvee ³ee keÀpe& ³eespeveebmebyebOeele mJeejm³e Demeu³eeme, vesceke̳ee kegÀþu³ee ³eespevesle menYeeieer nesT Fef®ílee? ³ee mebyebOeele ceeefmekeÀ efJeMJemleMeer mebHeke&À meeOeeJee. cnCepes l³ee mebyebOeele DeefOekeÀ me³egefkeÌlekeÀ Je leHeMeerueJeej ceeefnleer Je ceeie&oMe&ve vescekesÀHeCes keÀjlee ³esCes Meke̳e Deens. Deelee ³ee mebyebOeele DeeHeuee®e Heg{ekeÀej cenlJee®ee Demeu³eeves mebyebefOele He´Jele&keÀeb®³ee He$eeb®eer Deecner DeHes#ee keÀjerle Deenesle.

-ceveesnj FbieUs A man is but the product of his thoughts. What the thinks, he becomes.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

Yee

He´yeesOevee®³ee efoMee

jleer³e peve ieCe ceveeleerue DeefOevee³ekeÀ peeieJetve keÀe³e&He´JeCe keÀjCes, ns mJeeleb$³eeveblej®es meJee&le ceesþs osMeYekeÌleer®es keÀece nesle. peve ieCe ceveeleerue efJeJeskeÀ yegOoer, meodmeod efJeJeskeÀ yegOoer peeie=le keÀjCes, ®eebieu³eeuee ®eebieueb cnCeC³ee®eer oevele DeeefCe JeeF&ìeuee JeeF&ì cnCeC³ee®eer efnccele, ceveeceveeceO³es peeieJeCes ner veJeYeejle efveefce&leer®eer DeeOeejMeeruee Deens. Oeeefce&keÀ He´Je=lleerle peesHeemeuesu³ee Yeejleer³e peve ieCe ceveeueener, meeN³ee YeieJeledieerles®es meej ’Heefj$eeCee³e meeOegveeced efJeveeMee³e®e og<ke=Àleeced“ ³eele®e Deens, ns veerì mecepetve efoues Heeefnpes. mel³eMeesOekeÀ mel³eeie´ner efJe®eej, Dee®eej DeeefCe J³eJenej, ³eeJej®e veJeYeejlee®eer GYeejCeer Peeueer Heeefnpes DeeefCe ueeskeÀceleeJej ®eeueCeeje, jepekeÀejYeej, ³eMemJeer Jne³e®ee Demesue lej celeoejebvee mel³eMeesOekeÀ mel³eeie´ner peerJeve cetu³eeb®eer®e oer#ee efoueer Heeefnpes, ³ee®eer peeCe Je Yeeve melele lesJele þsJeues Heeefnpes. meeN³ee ke´Àebleer®es Je He´efleke´Àebleer®es þeCes ceeCemee®es ceve ns®e Deens. Dee®eej, J³eJenej, ke=Àleer ³eeceeies ceeCemee®³ee ceveeleerue YeeJevee, efJe®eej ns®e He´sjkeÀ Demeleele. ceeCetme pejer oesve Hee³eeJej ®eeueleevee efomele Demeuee lejer l³ee®eer meceepeeleerue JeeieCetkeÀ ®eeue®eeueCetkeÀ ner®e l³ee®³ee ceveele pemes efJe®eej, YeeJevee Demeleele, l³ee®eHe´ceeCes®e nesle Demeles. cnCetve ceeCemee®³ee ceveeleerue efJe®eej DeeefCe YeeJevee mel³e, efMeJe, mebgojs®³ee efoMesves efJekeÀefmele nesle peeC³ee®eer efveleeble iejpe Deens. cnCetve®e He´yeesOevee®³ee efoMeener mel³e efMeJe megbojleskeÀ[s vesCeeN³ee Demeu³ee Heeefnpesle.

Fbie´peerceO³es ceeCemee®eer J³eeK³ee ’ce@ve Fpe meesMeue De@efveceue“, ce@ve Fpe De j@Meveue De@efveceue DeMeer kesÀueer peeles Hejbleg `meesMeue' DeeefCe `j@Meveue' ner efJeMes<eCes Deensle. ceeCemeeyeÎue®³ee ³ee DeHes#ee Deensle. pevceleë®e lees leer efJeMes<eCes IesTve ³esle veener. pevceeuee ³esleevee ceeCemee®es cetue ns SkeÀ He´eC³ee®es cetue- De@efveceue cnCevet®e pevceeuee ³esles. pevceeuee Deeu³eeveblej l³ee ceguee®es pemes mebieesHeve, efMe#eCe nesles efkebÀJee pemes mebmkeÀej, DevegYeJe l³eeuee ³esleele, l³eeJej les cetue `j@Meveue' nesCeej ner `Fj@Meveue' nesCeej `meesMeue' nesCeej keÀer `DeBìermeesMeue' nesCeej, ns DeJeuebyetve Demeles. ceeCetme `meesMeue` DeeefCe `j@Meveue' JneJee ³eemeeþer®e He´yeesOevee®eer DeeJeM³ekeÀlee Demeles, DeeefCe ³eesi³e He´yeesOeveebletve les meeOelee ³esles.

Yeejleer³e mebmke=Àleerves ceeCemee®eer peer J³eeK³ee kesÀueer Deens leer DeefOekeÀ JeemleJe Deens. ceeCetme ne SkeÀ megKeMeesOekeÀ, DeeveboMeesOekeÀ He´eCeer Deens. He´eLeefcekeÀ DeJemLesle l³ee®³ee peieC³ee®³ee iejpee Yeeieu³ee keÀer lees megKeer, Deeveboer neslees. Flej meJe& He´eC³eebHe´ceeCes `Deenej, efveêe, cewLegve' ³ee iejpee YeeieJetve megKe efceUJeC³ee®ee l³ee®ee He´³elve Demelees. Heg{s Heg{s l³eeb®³ee iejpee Jee{leele.

MeejerefjkeÀ iejpeeyejesyej l³ee®³ee ceeveefmekeÀ, yeewOoerkeÀ iejpeener peei³ee nesleele DeeefCe l³eener YeeieJetve DeefOekeÀ ®eebieues megKe, Deevebo efceUJeC³ee®eer Oe[He[ keÀjlees. l³ee®eer meejer Oe[He[ megKe, Deevebo efceUJeC³eemeeþer®e Demeles. DeeefCe FLes®e ceeCemeeuee He´yeesOevee®eer iejpe Demeles. kegÀCeerlejer l³eeuee Kejs megKe keÀMeele Deens? DeeefCe les keÀmes efceUJeeJes? ns mecepetve meebieeJes ueeieles. DeeefCe ns

The glory of life is to love - not to be loved. To give and not to get, to serve and not to be served.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

meebieC³eemeeþer®e osJe, Oece&, osJeUs DeefmlelJeele Deeueer Demeb Yeejleer³e mebmke=Àleer meebieles. Oecee&®eer ue#eCes keÀesCeleer? lej leer oesve ue#eCes Deensle. ’efveÞes³emed ue#eCeced“ DeeefCe ’®eesoCeue#eCeced“. Del³eg®®e Deevebo cnCepes keÀe³e? DeeefCe lees Del³eg®®e Deevebo efceUJeC³eemeeþer keÀMeer Gllespevee ÐeeJeer? ns meebieC³eemeeþer®e meejs Oece& DeefmlelJeele Deeues Deensle. ceeP³ee celes meejs osJe, Oece& ns®e He´yeesOevee®es DeeÐe He´Jeen Deensle. DeeefCe l³ee meeN³ee osJeeOecee&®³ee efveefce&leer®es cetUner ceeCemee®³ee ceveeble®e Deens. ueeskeÀceev³e efìUkeÀeb®³ee JesUer veeieHetjceO³es YeeTmeensye oHlejer veeJee®es SkeÀ ’efJeodJelejlve“ nesTve iesues. l³eebveer DeeÐe MebkeÀje®ee³ee¥®ee ’ye´ïe mel³e peieved efceL³ee“ ³ee efmeOoebleeuee DeeJneve osTve ’ye´ïe mel³e lemes peieledner mel³e“ Demee veJee JeemleJeJeeoer efmeOoeble ceeb[uee. ceveg<³e, ceveg<³e pevce, ns peie DeeefCe ne FnueeskeÀ ³eeb®ee MebkeÀje®ee³ee&e®³ee Ye´ecekeÀ efMekeÀJeCegkeÀerves pees GefkeÀj[e keÀªve ìekeÀuee neslee, l³ee®³eeJej PeiePeieerle He´keÀeMe ìekeÀuee. DeeefCe Oecee&®eer yeewefOokeÀ ef®eefkeÀlmee keÀªve Oecee&®eer, ’efveÞes³eme ue#eCeced Je ®eesoveeue#eCeced“ ner oesve ue#eCes G®euetve Oejueer.

Del³eg®®e Deevebo, Kejs G®®e opee&®es megKe ³ee mebyebOeer®es efJeJejCe keÀjleevee l³eebveer SkeÀ GoenjCe efoues Deens. mecepee, SkeÀ ceeCetme ®eej efoJemee®ee GHeeMeer Deens. l³ee®³eepeJeU 5-6 Je<ee&®es SkeÀ cetuener lemes®e GHeeMeer Deens. ®eej efoJeme l³eebvee Devvee®ee keÀCe efceUeuee veener. YegkesÀves keÀemeeJeerme Peeues DeMee DeJemLesle 5J³ee efoJeMeer l³ee ceeCemee®³ee neleele SkeÀ iejce HeesUer Deeueer.

YegkesÀves keÀemeeJeerme Peeuesu³ee l³ee ceeCemee®³ee neleele SkeÀ iejce HeesUer Deeu³eeJej l³eeuee pees Deevebo Peeuee lees

DeJeCe&veer³e®e neslee. 5 Heesȳeeb®eer l³ee®eer YetkeÀ. SkeÀ®e HeesUer neleele Deeueer, DeeefCe leer l³eeves ieHeeieHe Keeuueer, lej l³eeuee pes megKe efceUeues, les l³ee IeìkesÀuee lejer l³ee®³ee DeleerJe Deeveboe®es®e nesles. les megKe l³eeuee efveefM®ele®e efceUeues. Hejbleg leer SkeÀ HeesUer KeeTve l³eeves pes megKe efceUJeues l³eeHes#eener G®®e opee&®es megKe l³eeuee efceUJelee Deeues Demeles Demeb Oece& meebielees. ®eej efoJemee®³ee GHeeMeer ceeCemeeves neleele Deeuesueer SkeÀ iejce HeesUer ieHeeieHe KeeTve megKe efceUJeues. Hejbleg Hee®e Heesȳee®eer YetkeÀ Demeleeveener l³eebves pej DeOeea®e HeesUer Keeuueer Demeleer DeeefCe jeefnuesueer DeOeea HeesUer, l³ee®³eeHe´ceeCes®e GHeeMeer Demeuesu³ee l³ee cegueeuee efoueer Demeleer lej leer DeOeea HeesUer KeeTve, l³ee GHeeMeer ceguee®³ee ®esnN³eeJej pees Deevebo efomeuee Demelee, lees Deevebo Heentve ³ee ceeCemeeuee pes JesieUs megKemeceeOeeve Jeeìues Demeles les megKe, HetCe& HeesUer Keeuu³eeveblej efceUeuesu³ee DeeveboeHes#ee G®®e opee&®es megKe efceUJelee Deeues Demeles Demeb Oece& meebielees. osJe, Oece&, osJeeue³es, He´eLe&vee mLeUs ³eeb®es cetU nslet ue#eele ve Ieslee®e Deecner Hegjesieeceer cnCetve osJeeOecee&vee DeHetÀ®eer ieesUer, DebOeÞeOos®es [yekesÀ cnCetve kesÀJeU efMeJ³ee®e osle jeefnuees lej, He´yeesOevee®es SkeÀ Del³eble He´YeeJeer nl³eej DeeHeCe IeeueJetve yemeuees Demeb ceuee Jeeìleb. DebOeÞeOoe, keÀce&keÀeb[, Ye´ecekeÀ Deceeveg<e ª{er, osJee-Oecee&®³ee veeJeeves ª{ keÀªve keÀener celeueyeer ceeCemeebveer DeeHeues mJeeLe& meeOeues Deensle. peve ieCe ceveeuee Ye´efce<ì kesÀues Deens ns Kejs.

HeCe l³ee®ee oes<e osJeOecee&keÀ[s peele veener. `peveeJejemeejKes Jeeiet vekeÀes~ ceeCemeemeejKes Jeeie', `<e[defjHetb®³ee Deenejer peeTve peerJeve peiet vekeÀes, mel³e, Þece, He´sceeves®e peerJeve megKece³e keÀjlee ³esles. mJeleëFlekeÀer®e ogmeN³ee®eer keÀeUpeer

On earth there is nothing great but man; in man there is nothing great but mind.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

kesÀu³eeves®e Kejs megKe, meceeOeeve, megjef#elelee DeeefCe Meebleer efceUles ns efMekeÀC³eemeeþer®e meejs osJe, Oece&, HebLe mLeeHeve Peeues Deensle. osJe, Oece&, F&MJej, Hejceelcee ³ee keÀuHeveener ceeCemee®³ee ceveeletve®e efvecee&Ce Peeu³ee Deensle. ’efpe%eemee“ ner peer ceeCemee®³ee ceveeleerue mJeeYeeefJekeÀ He´sjCee Deens l³eecegUs ceeCetme pevcepeele mebHekeÀe&le ³esF&ue les meJe& mecepetve IesC³eemeeþer Oe[He[lees. pevceleë®e lees DeeF&®es Gyeoej ieYee&Me³e mees[tve ³ee peieele efkebÀ®eeUle ³eslees DeeefCe DeeF&®³ee Gyeoej mleveHeevee®ee mHeMe& neslee®e ³ee peieele megjef#ele, Meeble neslees. [esUs GIe[lee®e DeeF&®ee mHeMe& DeeefCe ®esnje ³eeble l³ee®es meejs efJeMJe meeceeJeuesues Demeles DeeefCe ceie l³ee®eer ¢<ìer pes pes Heenerue les les mecepetve IesC³ee®eer l³ee®eer Oe[He[ ®eeuet nesles. ner l³ee®eer efpe%eemee l³eeuee pes pes efomeles, DevegYeJelee ³esles les les meJe& mecepetve IesC³eemeeþer melele GÐegkeÌle keÀjerle jenlees. pemes pemes ns efJeefJeOelesves Yejuesues DeHeÀeì peie l³eele efomet ueeieles lemes lemes SkeÀ He´Mve l³eeuee melele Yeb[eJele Demelees. lees He´Mve cnCepes ns efomeCeejs DeJee{J³e peie keÀesCe efvecee&Ce keÀjlees DeeefCe keÀesCe ®eeueJelees? l³ee®eer efpe%eemee l³eeuee l³ee He´Mvee®es Gllej MeesOee³euee melele He´Je=lle keÀjles DeeefCe MeesOekeÀe³ee&le l³eeuee mecepetve ³esles keÀer, efJeefJeOelesves Yejuesues DeHeÀeì ¢M³e peie efvecee&Ce keÀjCeejer DeeefCe ®eeueJeCeejer SkeÀ DeodYetle De¢M³e MekeÌleer Deens. leer DeodYetle De¢M³e MekeÌleer, leer [esȳeeuee ve efomeCeejer ®ewlev³eMekeÌleer, leer HejceMekeÌleer peer ®ewlev³eMekeÌleer Deens ³ee mecepeebletve DeveskeÀ veeJeeveer DeesUKeues peeCeejs osJe, Oece& DeefmlelJeele Deeues Deens. ¢M³e Demes efJeMeeue peie ®eeueJeCeejer De¢M³e

MekeÌleer Deens ³ee DevegYetleeruee efkebÀJee mecepegleeruee ceveg<³e Deeuee keÀer l³ee®eer efpe%eemee l³eeuee DeeCeKeer SkeÀe He´Mvee®es Gllej MeesOee³euee meebieles. lees He´Mve cnCepes ³ee ¢M³e peieele let keÀesCe Deensme? DeeefCe legPes l³ee De¢M³e ®ewlev³eMekeÌleerMeer keÀe³e veeles Deens? ³eener He´Mvee®es Gllej MeesOeleevee l³eeuee mecepeles keÀer ceer cnCepes ceePes Mejerj les ¢M³e mJeªHeele Deens. DeeefCe l³ee Mejerjele pees ceePee peerJe Deens, pees He´eCe Deens, lees De¢M³e mJeªHeele Deens. pemee MJeemeeletve He´eCeJee³et DeeHeu³eeuee peieJelees HeCe efomele veener leMeer ner ®ewlev³eMekeÌleer Deens. ¢M³e peie p³ee Heb®eceneYetleebletve efvecee&Ce Peeues Deens l³ee Heb®eceneYetleebveer®e ceePes Mejerj efvecee&Ce kesÀues Deens. DeeefCe ceePee He´eCe ne l³ee De¢M³e ®ewlev³eMekeÌleer®ee®e SkeÀ DebMe Deens. ³ee ®eje®ej me=<ìerleerue DeeHeuee ne mebyebOe pemee ceeCemeeuee Gcepele peelees lemes l³eeuee Deelce%eeve Peeu³ee®ee Deevebo efceUlees DeeefCe meceeOeeve HeeJelees.

Hejbleg SJe{îeeJej l³ee®eer efpe%eemee l³eeuee mJemLe yemetve osle veener. Hegvne l³ee®³eeHeg{s He´Mve GYee keÀjles keÀer leer De¢M³e ®ewlev³eMekeÌleer ns ¢M³e peie keÀMeer efvecee&Ce keÀjles? DeeefCe keÀMeer ®eeueJeles? DeMeer keÀesCeleer leb$es,HeOoleer l³ee ®ewlev³eMekeÌleerpeJeU Deensle p³ee®³eeletve ns efJeefJeOelesves Yejuesues peie efvecee&Ce nesles? ³ee MeesOeele®e l³eeuee me=<ìerefve³ecee®es, efvemeie&efveefce&leer®es %eeve, efJe%eeve, leb$e%eeve mecepet ueeieles. ceeCemeeuee Deelce%eeveer DeeefCe efJe%eeveer keÀjCes ns®e cetueleë meJe& osJeeOecee&®es GefÎ<ì Deens.

Deelce%eeveer, DeeefCe efJe%eeveer veener lees Oeeefce&keÀ Deens Deme ceeveCeb ns ®etkeÀ®e Deens. meJe& He´yeesOevee®ee nslet ceeCemeeuee %eeveer, efJe%eeveer keÀjCeb ne®e Deens cnCetve He´yeesOevekeÀejebveer osJeOece& ³eeb®eer

A single conversation across the table with a wise man is worth a month's study of books.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

efveboeveeuemleer ve keÀjlee He´yeesOevee®es Del³eble He´YeeJeer meveeleve nl³eej cnCetve KeN³ee osJe Oece& keÀuHeveeb®ee GHe³eesie keÀªve Iesleuee Heeefnpes. peve ieCe ceveeleerue DeefOevee³ekeÀ efJeJeskeÀyegOoer peeieJeCes DeeefCe l³ee efJeJeskeÀyegOoer®ee meJe&$e pe³epe³ekeÀej nesF&ue DeMee jerleerves efle®ee DeefJe<keÀej efJe®eej, Dee®eej, J³eJenejeJej meeJe&ef$ekeÀ mJeªHeele nesF&ue, ³eemeeþer melele He´³elve keÀjCes ns®e He´yeesOevee®es GefÎ<ì Deens, Demeues Heeefnpes. ³ee Deelce%eeveeletve, efJe%eeveebletve®e meeJe&ef$ekeÀ v³ee³e, mJeeleb$³e, mecelee, yebOeglee, mebHevvelee DeeefCe efveefce&leer #ecelee ³eeb®ee HeefjHees<e keÀjlee ³esF&ue. DeeefCe veJes He´yeesOeerle, megKeer, efJeMJekegÀìgbye DeefmlelJeele DeeCelee ³esF&ue. ceveg<³eHe´eC³eeuee He´eCeerme=<ìerletve efJekeÀefmele DeMee %eeve efJe%eevee®³ee Hee³eN³ee ®e{Jeerle, ®ewlev³eme=<ìer®³ee peJeU peeC³ee®eer efoMee, ¢<ìer DeeefCe keÀe³e&ke´Àce osCes ns He´yeesOevee®es keÀece Deens. Hejbleg He´yeesOevee®es ns keÀece kegÀCeer keÀje³e®es? Deelce%eeve DeeefCe efJe%eevee®eer DevegYetleer vemeuesu³ee DeeefCe HejueeskeÀJeeo, owJeJeeo, pevceeefOe<þerle DeeefCe J³eJemee³eeefOe<þerle G®®eveer®elee DeeefCe Ye´ecekeÀ efJe<ecelee ³eele yeOeerj nesTve He[uesu³ee - DeOecee&uee®ee Oece& mecepetve keÀJeìeUtve yemeuesu³ee meeceeefpekeÀ ceeveefmekeÀles®es He´yeesOeve keÀjCeeN³ee J³ekeÌleer, mebmLee, mebIeìvee lejer l³ee Ye´ecekeÀ ceeveefmekeÀlesletve cegkeÌle Demeues Heeefnpesle DeeefCe Deelce%eeve Je efJe%eeve ³eeb®ee peeCeerJeHetJe&keÀ HegjmkeÀej keÀjCeejs nJesle.

Lees[ke̳eele mel³eMeesOekeÀ mel³eeie´ner efJe®eej Dee®eejeb®es Deeie´n OejCeejs®e DeMee He´keÀej®es He´yeesOeve keÀ© MekeÀleerue.

SskeÀerJe, Jee®eerJe ceeefnleer osC³eeJej®e Deepe®³ee He´yeesOevekeÀe³ee&®ee meeje Yej Deens. MeeUe, keÀe@uespes, Jee®eveeue³es, Je=lleHe$es, HegmlekesÀ, ®e®ee&me$es, efMeyeerjs, meYee,

J³eeK³eeves ³eeletve lesJe{s®e keÀece nesles. kesÀJeU ceeefnleer®ee HegjJeþe HeefjJele&veeuee efkeÀleer GHe³eesieer? ³eeb®ee MeebleHeCes kegÀCeer efJe®eej keÀjle veener. ceeefnleer®es HeJe&le Deepe ceeCemeeHeg{s GYes Deensle. l³eebletve GHe³egkeÌle ceeefnleer efveJe[Ces, pegUJeCes DeeefCe leer ceveeceveeble ªpeJeCes ner He´efke´À³ee ceeCemeeuee ceeefnleerHeemetve %eeveeHe³e¥le IesTve peeT MekeÀles. Hejbleg kesÀJeU %eevener HeefjJele&ve keÀª MekeÀle veener. yeì^eb[ jmesue ³eebveer cnìu³eeHe´ceeCes ’vee@uespe Jeeru[s[ yee³e ueJn, ke@Àve ì^@bvmHeÀe@ce& oer meesmee³eìer“ cnCepes®e Deelce%eeve DeeefCe efJe%eeve ns®e HeefjJele&vee®es cegK³e DeeOeej Deensle. ceeefnleer, %eeveeHes#ee MeneCeHeCe efkeÀleer Jee{les ner®e HeefjJele&vee®eer keÀmeesìer Deens - Demeueer Heeefnpes. veJeer veJeer ¢kedÀÞeeJ³e meeOeves - efmevescee, ìer.

Jner. ke@Àmeìdme F. ns SkeÀ efJe%eeveeves ceeCemee®³ee neleer efouesues He´YeeJeer He´yeesOeve meeOeve Deens. l³ee®ee GHe³eesie keÀªve meeJe&ef$ekeÀ ceeveefmekeÀlee, Deelce%eeve Je efJe%eeve, ³ee DeeOeejefMeueeJej YekeÌkeÀceHeCes GYeer keÀjlee ³esCes Meke̳e Deens. ueeskeÀjbpeveeletve ueeskeÀefMe#eCe keÀª MekeÀCeeN³ee HeejbHeeefjkeÀ keÀuee, meeefnl³e, ueeskeÀkeÀueeb®es He´keÀej DeeefCe ner DeeOegefvekeÀ ¢kedÀÞeeJ³e He´®eej meeOeves ³eeb®ee megcesU Ieeleuee lej ceve HeefjJele&vee®³ee ®eUJeUeruee ieleer oslee ³esF&ue. HeCe kegÀìgbye mebmLesHeemetve jep³emebmLesHe³e¥le meeceeefpekeÀ ceeveefmekeÀlee, Deelce%eeve DeeefCe efJe%eeveeJej®e Ie[Jee³e®eer, Demee efveOee&j kesÀuee peeCeej keÀe? lemes je<ì^er³e OeesjCe þjJetve les efve<þsves Debceueele DeeCeues peeF&ue keÀe? ne®e cegK³e He´Mve Deens. veener lej J³eeHeejemeeþer peeefnjeleyeepeer keÀªve peve ieCe cevee®eer HeÀmeJeCetkeÀ keÀjC³eemeeþer efJe%eeve JeeHejC³ee®ee GÐeesie, DeveskeÀebveer megª kesÀuee®e Deens.

- He´e. Heer.Jner.Heeìerue (meebieueer)

He that will not apply new remedies must expect new evils.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

megJeCe& pe³ebleer Menjer jespeieej ³eespevee oeefjê³e efveceg&ueve

keWÀ

ê Meemeve Hegjmke=Àle Menjer Yeeieeleerue oeefjê³e js<esKeeueerue kegÀìgbyeemeeþer ³eespevee meceepe efJekeÀeme mebmLee ë oeefjê³e js<esKeeueerue peemleerle peemle oesve npeej kegÀìgbyeeb®eer efceUtve efkebÀJee SkeÀe JemleerceO³es mecepee efJekeÀeme mebmLee yeveefJeC³eele ³esles. ³ee mebmLes®es efve³eb$eCe Jemleerleerue ueeYeeLeea®e keÀjleele. ³ee mebmLee Oecee&oe³e Dee³egkeÌleebkeÀ[s jefpemìj nesleele. MeemeveeleHexÀ ³ee mebmLeebvee Heefnu³ee Je<eea He´leer meYeemeo ª. 100/- DeeefCe Heg{erue Je<eea ª. 75/Devegoeve osC³eele ³esles. mebmLesleHexÀ ueeYeeLeea efveJe[tve l³eeb®es Depe& Yeªve Iesleues peeleele. ueeYeeLeeAvee ³eespeves Debleie&le efceUeuesu³ee keÀpee&®³ee HejleHeÀs[erJej efve³eb$eCe þsJeues peeles. meceepe efJekeÀeme mebmLesleHexÀ ³eespevesleerue efJeefJeOe IeìkeÀeb®eer ceeefnleer Jemleerleerue meJe& ueeYeeL³ee¥vee osC³eele ³esles. lemes®e Flej MeemekeÀer³e ³eespeveeb®eer ceeefnleermegOoe keÀªve efoueer peeles. l³ee®eHe´ceeCes ueeYeeL³ee¥®es J³ekeÌleeriele Deejesi³e, efMe#eCe, meeceeefpekeÀ v³ee³e, keÀe³eosefJe<e³ekeÀ ceeefnleer, He´ew{ mee#ejlee, jespeieej He´yeesOeve keÀe³e&ke´Àce Ieslee ³esleele. ceefnueebmeeþer efJeefJeOe meeceeefpekeÀ keÀe³e&ke´Àce jeyeefJelee ³esleele. Jemleerleerue mLeeefvekeÀ meeOeves DeeefCe iejpee ³eeb®ee leHeMeerue veeWoJetve l³eeb®eer Menjer jespeieej keÀe³e&ke´ÀceeMeer meebie[ Ieeleueer peeles. mJe³ebmene³elee / ye®ele ieì Jemleerle jneCeeN³ee 10 les 20 oeefjo´³e js<esKeeueerue kegÀìgbyeeleerue He´l³eskeÀer SkeÀ ceefnuee IesTve mJe³ebmene³elee ieì yeveefJeleC³eele ³eslees. ³ee ieìeletve oesve ceefnueeb®eer efveJeemeer Jemleer mJe³ebmesefJekeÀe cnCetve vesceCetkeÀ keÀjC³eele ³esles Je He´efMe#eCe IesTve mJe³ebmene³elee ieìe®³ee me#eceerkeÀjCee®es keÀe³e& ³ee mJe³ebmesefJekeÀe keÀjleele.

mJe³ebmene³elee ieìe®es ªHeeblej ye®ele ieìele JneJes ³eemeeþer ieìeleerue ceefnueebvee keÀeìkeÀmejerves ye®ele keÀjCes, keÀpe& IesCes, Hejle HesÀ[ keÀjCes ³ee DeeefLe&keÀ J³eJenejeb®eer ceeefnleer mJe³ebmesefJekeÀeceebHe&Àle efoueer peeles. p³ee ye®ele ieìeves ³eMemJeerjerl³ee SkeÀ Je<e& HetCe& kesÀues Demesue l³eebvee MeemeveeleHexÀ He´leer meom³e ª. 1000/- (ieìebuee peemleerle peemle ª.

25000/- He³e¥le) efHeÀjles Yeeb[Jeue efceUles. ³eeletve®e ceefnuee meYeemeo meeJekeÀejer HeeMeeletve cegkeÌle nesTve DeeefLe&keÀo=<ìîee me#ece nesleele.

DeHesef#ele ye®ele kesÀu³eeJej ye®ele ieìeleerue ceefnuee meYeemeoebvee efJecee nHeÌl³eemeeþer ye®ele ieìeleHexÀ ª.30/DeeefCe kegÀìgbefye³eeb®³ee efJec³eemeeþer ª. 30/- DeeefLe&keÀ mene³³e osC³eele ³esles. DeHeIeeleer ce=l³eg efkebÀJee DeHeIeeleer DeHebielJe Deeu³eeme kegÀìgbefye³eebvee efJecee kebÀHeveer ceeHeÀ&le DeeefLe&keÀ mene³³e efceUles. ³ee He´efke´À³esle ieìeleerue efm$e³ee HejmHej efJeMJeemeeves yeebOeu³ee peeTve SkeÀefpevemeer ieì le³eej neslees. ceefnuee Je yeeuekeÀ efJekeÀeme ieì ³eeuee®e [JeekeÀe ieì cnCeleele. me#ece ye®ele ieì ³eMemJeer nesTve meecegefnkeÀ J³eJemee³e keÀje³e®es þjJelees, lesJne lees ³ee ieìe®ee ueeYe Ieslees. ³ee ieìebvee J³eJemee³e keÀjC³eemeeþer je<ì^er³eke=Àle DeeefCe Mes[îegue yeBkeÀebkeÀ[tve ª. 2,50,000/He³e¥le keÀpe& efceUles. He´l³eskeÀ ieìeuee He´keÀuHe efkeÀceleer®³ee 50… efkebÀJee ª.1,25,000/- He³e¥le Devegoeve efceUles. J³eJemee³e megª keÀjC³ee®es DeeefCe ®eeueefJeC³ee®es He´efMe#eCe MeemeveeleHexÀ osC³eele ³esles. ³ee ieìeb®³ee ceeuee®³ee efJeke´Àermeeþer ogkeÀeve / ieeUs yeebOetve osC³eele ³esleele. ce.ve.Hee. DeeefCe ve.He. leHexÀ ³ee ieìebvee owvebefove mesJeeb®eer keÀeces He´eOeev³ee®es osC³ee®eer lejleto kesÀueer Deens. HeejbHeeefjkeÀ J³eJemee³ee J³eefleefjkeÌle HeermeerDees meWìj

What I gave, I have; what I spent, I had; what I kept, I lost.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

/ Pesje@keÌme meWìj ®eeueefJeCes, Ieve keÀ®eje J³eJemLeeHevee®es keÀe³e&, efyeueeb®eer Jemegueer keÀjCes, Deejesi³e mesJes®³ee keÀe³ee&le mene³³e, GHenejie=ns ®eeueefJeCes, keÀce&®eeN³eeb®es ieCeJes<e efMeJeCes ³eemeejKeer DeveskeÀ keÀece [JeekeÀe ieì keÀª MekeÀleele.

He´efMe#eCe ë Jew³eefkeÌlekeÀ efkebÀJee meecegefnkeÀ mJe³ebjespeieej lemes®e [JeekeÀe ieì ³eebvee J³eJemee³eemeeþer He´eOeev³eeves He´efMe#eCe efceUles. keÀewMeu³eele Jee{ keÀ©ve veeskeÀjer®³ee DeefOekeÀeefOekeÀ mebOeer GHeueyOe JneJ³eele ³eemeeþer megOoe He´efMe#eCe efoues peeles.

MeemekeÀer³e mebmLee / Dee³e.ìer.Dee³e./ ÞeefcekeÀ efJeÐeeHeerþ / Flej leb$eefMe#eCe mebmLeeÜeje He´efMe#eCe osC³eele ³esles. He´efMe#eCe 2 les 6 ceefnv³eeHe³e¥le Demeles. SkebÀoj keÀeueeJeOeer efkeÀceeve 300 leeme Demelees. He´efMe#eCe ³eMemJeerefjl³ee HetCe& kesÀu³eeJej He´ceeCeHe$e efoues peeles. He´efMe#eCeeLeeauee ceeefmekeÀ efJeÐeeJesleve ª.100/- osC³eele ³esles. He´efMe#eCe HetCe& Peeu³eeJej J³eJemee³eeuee DevegªHe ìgueefkeÀì efceUles. SkeÀe He´efMe#eCeeLeeaJej mejemejer ª. 2000/- Ke®e& keÀjlee ³eslees. cegueYetle mees³eer Je megefJeOee ë oeefjê³e js<esKeeueerue ueeYeeLeea mJe³ebjespeieej megª keÀjleerue. [JeekeÀe ieìeceeHe&Àle meecegefnkeÀ jespeieej megª nesF&ue. ³ee meJee¥vee J³eJemee³e megueYe JneJee ³eemeeþer cegueYetle mees³eer Je megefJeOee osC³eele ³esleerue.

[JeekeÀe ieìe®³ee efJeke´Àermeeþer ogkeÀeves / ieeUs yeebOeCes efJeke´Àermeeþer meJex#eCe, SkeÀef$ele íeHe efJekeÀefmele keÀjCes, l³ee®eer He´efmeOoer keÀjCes. Jemletb®³ee efJeke´Àermeeþer efJeefJeOe HeeleUerJej He´oMe&ve YejefJeCes. He´efMe#eCe IesCeeN³ee ueeYeeLeeAvee J³eJemee³eevegmeej ª.

600/- He³e¥le ìgue efkeÀì osC³eele ³esles.

J³eJemee³eemeeþer keÀecee®es efþkeÀeCe cnCetve mesJee keWÀê mLeeHeve keÀjCes. ce.ve.Hee. / ve.He. #es$eeleerue veeiejerkeÀebvee

owvebefove leb$ekeÀewMeu³e keÀeceemeeþer (ogªmleer keÀeces F.) ³esLetve mesJee osC³eele ³esF&ue. Meemeve mesJee keWÀêeuee HeÀefve&®ej GHeueyOe keÀªve osF&ue. ueeYeeLeeAvee mesJee keWÀêeleHexÀ DeesUKeHe$e osC³eele ³esF&ue. mJe³ebjespeieej veeiejer Yeeieeleerue oeefjê³e js<esKeeueerue ueeskeÀebvee íesìs GÐeesie, GlHeeoves, HeejbHeeefjkeÀ mesJee, J³eJemee³e keÀjC³eemeeþer He´eslmeeefnle kesÀues peeles. ³ee ³eespevesceO³es ueeYeeLeeAvee yeBkeÀekeÀ[tve ª. 50000/- He³e¥le keÀpe& osC³eele ³esles. He´keÀuHe efkebÀceleer®³ee 15… efkebÀJee ª. 7500/- He³e¥le Devegoeve osC³eele ³esles. ueeYeeLeeAves He´keÀuHe efkebÀceleer®³ee 5… jkeÌkeÀce yeerpe Yeeb[Jeue cnCetve iegbleJee³e®eer Demeles keÀpee&®eer HejleHesÀ[ oj ceefnvee 3 les 7 Je<exHe³e¥le keÀje³e®eer Demeles.

Menjer / veeiejer jespeieej keÀe³e&ke´Àce ë ce.ve.Hee. / ve.He. #es$eeleerue oeefjê³e js<esKeeueerue ueeYeeLeeA®eer ÞeceMekeÌleer meeJe&peefvekeÀ keÀecee®³ee efveefce&leermeeþer JeeHejC³eele ³esles. l³eeletve veeiejer iejeryeebvee jespeieej efceUlees. ner meeJe&peefvekeÀ keÀeces oeefjo´³e js<esKeeueerue Jemleerle keÀjC³eele ³esleele. ³eeletve Jemleer ceO³es meeb[HeeCeer ieìejs yeebOeCes, jmles Ke[erkeÀjCe, efHeC³ee®³ee HeeC³ee®eer GHeueyOelee keÀjCes, meceepe keWÀê, meeJe&peefvekeÀ mJe®íleeie=n F. mees³e keÀjlee ³esles. JemleerceOeerue keÀecee®eer DeeKeCeer meceepe efJekeÀeme mebmLee keÀjleele. ³eespevesmeeþer Hee$elee efvekeÀ<e veeiejer Yeeieeleerue oeefjê³e js<esKeeueerue HeefjefmLeleerle megOeejCee JneJeer, l³eebvee jespeieeje®³ee mebOeer GHeueyOe JneJ³eele ³ee GÎsMeeves keWÀê Je jep³e Meemeveeves ef[meWyej 1997 Heemetve metJeCe& pe³ebleer Menjer jespeieej ³eespevee megª kesÀueer Deens. ceneje<ì^eleerue meJe& ceneveiejHeeefuekeÀe / veiejHeefj<eoe/veiej Heb®ee³eleerceO³es ner ³eespevee jeyeefJeC³eele ³esles. p³eeb®es ojcene oj[esF& GlHevve ª. 591.75 Hewmes

People will not look forward to posterity who never look backward to their ancestors.

39

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

Deens l³eebveer ³ee ³eespeves®ee ueeYe Ieslee ³esF&ue. ³eemeeþer l³eeb®es veeJe oeefjê³e js<esKeeueerue ueeYeeLeea cnCetve veeWouesues nJes. ³ee ³eespevesceO³es efkeÀceeve 30… ueeYeeLeea ceefnuee DeeefCe 3… ueeYeeLeea DeHebie Demeleerue. Devegmetef®ele peeleer / Devegmetef®ele peceeleer®es ueeskeÀmebK³es®³ee He´ceeCeele ueeYeeLeea Demeleerue. meJex#eCeeyeÎue ceeefnleer oeefjê³e js<esKeeueerue kegÀìgbyeebvee veeJe keÀmes veeWoefJelee ³esF&ue? ceneje<ì^ MeemeveeleHexÀ oeefjê³e js<esKeeueerue ueeYeeLeeA®³ee meJex#eCee®es keÀece megª Peeues Deens. Jeml³eebJej DeeefCe Iejebvee Yesìer osTve ceeefnleer veeWoefJeC³eele ³esle Deens. p³ee J³ekeÌleer Jejerue efvekeÀ<eebme Hee$e Demeleerue Hejbleg yeensjieeJeer iesu³ee Demeleerue efkebÀJee p³eeb®³ee Iejer meJexmeeþer He´ieCekeÀ Deeues vemeleerue, l³eebveer DeeHeu³ee Jee@[& Dee@efHeÀmeceO³es efkebÀJee veiejHeefj<eosceO³es oeefjê³e efveceg&ueve keÀ#eele peeTve ceeefnleer veeWoJeeJeer. meJex#eCee®eer keÀe³e&HeOole keÀe³e DemeCeej? meJex#eCe HetCe& Peeu³eeJej ueeYeeLeea ³eeb®eer ³eeoer DeeefCe ceeefnleer He´efmeOo keÀjC³eele ³esF&ue. ³ee ceeefnleerle ogªmleer keÀje³e®eer Demesue lej efJeefMe<ì keÀeueeJeOeerle ³ee mebyebefOele Depe& efmJekeÀejC³eele ³esleerue. efveveeJeer Depe& efmJekeÀejC³eele ³esCeej veener. Depee&®ee HesÀjefJe®eej keÀªve DeeJeM³ekeÀ Demeu³eeme ³eeoerle megOeejCee keÀjC³eele ³esleerue. Debeflece ³eeoer He´efmeOo nesF&ue. ³eeoerceOeerue veeWoCeerke=Àle ueeYeeLeeAvee®e megJeCe& pe³ebleer Menjer jespeieej ³eespeves®ee ueeYe Ieslee ³esF&ue. keWÀê Meemevee®³ee meg®evesvegmeej ³ee ³eespeves®ee HeÀe³eoe Menjeleerue iejeryeele iejerye ueeYeeL³ee¥vee He´ecegK³eeves osC³eele ³esF&ue. meJexmeeþer Deeuesu³ee J³ekeÌleerme Kejer ceeefnleer osTve meJex megªUerle Heej He[C³eemeeþer menkeÀe³e& keÀjeJes. megJeCe& pe³ebleer Menjer jespeieej ³eespeves®es HeÀe³eos ner ³eespevee mLeeefvekeÀ keÀuee Je keÀewMeu³e ³eeb®es Üejs

veeiejer Yeeieeleerue yesjespeieej, DeOe&yesjespeieej ³eebvee He´eslmeeefnle keÀªve íesìs GÐeesie, GlHeeoves, mesJee Je J³eJemee³e keÀjC³eeme ceole keÀjles. veeiejer Yeeieeleerue oeefjê³e js<esKeeueerue kegÀìgbyeeleerue ceefnueebmeeþer J³eJemee³e keÀjC³eemeeþer ner ³eespevee efJeMes<e He´eslmeenve osles. DeMee ceefnueebvee SkeÀ$e DeeCetve mJe³ebmene³elee ye®ele ieì yeveefJeuee peelees. ieìeleerue ceefnuee oj ceefnv³eeuee þjeefJekeÀ jkeÌkeÀce ye®ele keÀjleele. ieìeceOeerue meom³eeb®³ee HejmHej efJeMJeemeeletve Je SkeÀceskeÀeb®³ee efJe®eejeves ieìeuee J³eJemee³e megª keÀjlee ³eslees. DeMee ceefnuee ieìebvee ³eesi³e les He´efMe#eCe, yeBkesÀkeÀ[tve keÀpe& Je MeemeveekeÀ[tve Devegoeve efceUefJeC³eeme ³eespevesletve ceole kesÀueer peeles. lemes®e ieìe®³ee GlHeeoveemeeþer yeepeejHesþ Je J³eJemee³eemeeþer cetueYetle mees³eer megefJeOee GHeueyOe keÀªve osC³eeme ³eespevee keÀe³e&jle Demeles. ³ee ³eespevesDebleie&le mJe³ebjespeieejemeeþer Jew³eefkeÌlekeÀ keÀpe& Je Devegoeve osC³eele ³esles. l³ee®eHe´ceeCes Menjer cepetjer jespeieej IeìkeÀebDeleie&le jespeieejner HetjefJeuee peelees. ner ³eespevee oeefjê³e js<esKeeueerue kegÀìgbyeeleerue ³egJekeÀebvee ³eesi³e He´efMe#eCe osTve l³eeb®³ee veeskeÀjer®³ee mebOeer Jee{efJeles. ³ee ³eespeves Debleie&le mesJee keWÀê ®eeueefJeC³eele ³esles.

He´efMe#eCe IeìkeÀebleie&le ueeYe osC³eele Deeuesu³ee ueeYeeL³ee¥vee keÀecee®es efþkeÀeCe GHeueyOe JneJes cnCetve ueeskeÀmesJee keWÀê mLeeHeve keÀjC³eele ³esles. ³ee mesJee keWÀêe ceeHe&Àle MenjJeeefme³eebvee ieJeb[er keÀeces, megleej keÀeces, veU ogªmleer, FuesefkeÌì^efMe³eve, ìer.Jner./jsef[Dees/jsefHe´Àpejsìj ogªmleer, yeebOekeÀece, jbiekeÀece Fl³eeoer megefJeOee GHeueyOe keÀªve osC³eele ³esleele. ueeYeeL³ee¥vee mesJee keWÀêe®es DeesUKeHe$e osC³eele ³esles. mesJeekeWÀêeDebleie&le opexoej Je Kee$eerMeerj mesJee ceeHeÀkeÀ ojele HegjefJeu³ee peeleele. mesJeekeWÀêe®³ee keÀecee®ee ceeefmekeÀ Dee{eJee oeefjê³e efveceg&ueve keÀ#eele IesC³eele ³eslees.

-mebke´ÀceCe HeÀer®eme&

Cowards die many times before their death; the valiant never taste of death but once.

40

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

`mebkeÀuHeefmeOoer' uesKekeÀ -Keemeoej He¨eÞeer Heer. [er. peeOeJe

`mebkeÀuHeefmeOoer' Yeeie-4 meceepekeÀe³ee&®³ee JeeìsJej ceepekeÀe³e& keÀjC³ee®ee ceveele efJe®eej HekeÌkeÀe Peeuee neslee. ceer Jeeìe MeesOele neslees. mene³³eYetle þjleerue DeMeer ceeCemes Henele neslees. DeeMeerJee&o DeeefCe ceeie&oMe&ve ³eeb®eer meeLe nesCes, DeMee ceeCemeebmeeþer efJe®eej PesHeeJele nesles. `ceer efYeJeb[eruee Deeuees. YeeTmeensye OeeceCekeÀj ³eebvee Yesìuees.' ceer HeoefJekeÀeOeejkeÀ ceeieemeJeieea³e meceepeeleuee Deens Demes meebefieleues. ’ceie veeskeÀjer nJeer keÀe³e?“ Demee YeeTmeensyeebveer He´Mve kesÀuee. ceer vekeÀejeLeeA Gllejuees. ceuee meceepeefnleemeeþer keÀeneRlejer efJeOee³ekeÀ keÀe³e& keÀjC³ee®eer F®íe Deens Demes meebefieleues. YeeTbvee DeeM®e³e& Jeeìues. ’let keÀeceeuee ueeie. De[®eCe Deeueer

me

lej ceuee Yesì“ Demes cnCetve DeeMeerJee&o efoues. HegC³ee®³ee nefjYeeT HeÀeìkeÀebveer ceuee mebmkeÀej efoues nesles. ceePes ceve Ie[efJeues nesles. meeves ieg©peer DeeefCe Dee®ee³e& efYemes ³eebveer He´eslmeenve efoues nesles. JeeN³ee®³ee ieleerves ceve OeeJele nesles. efJe®eejeb®es keÀentj ceepeues nesles. ceePeer efnccele ceuee mJemle yemet osle veJnleer ceer ceeCemeeb®³ee MeesOeele efYejefYejl³ee vepejsves DeJeleerYeesJeleer Henele neslees. nefjpeve meceepeeleerue keÀebner le©Ce cegues ceeP³eemeceesj lejUle nesleer. DeeefLe&keÀ DeeHelleervess kebÀyej[s cees[uesueer, mejmJeleer®³ee cebefojeJee®etve otj PesHeeJeuesueer DeeefCe ceveeleu³ee Jesovee HegìHegìCeejer. cebefojmes cew otj Ke[e ntB veeLe efvekeÀì ke̳egB DeeTB! ³ee cegueeb®eer ceves meebOeeJe³ee®eer nesleer. l³eebvee He´Je=lle keÀje³e®es nesles. keÀeceeuee ueeJee³e®es nesles. ceer ³ee cegueebvee ieeþues, ceePes ceveesiele l³eeb®³eeHeg{s J³ekeÌle kesÀues. ceuee peeCeJeues, ³ee ceggueeb®³eele meceepeMekeÌleer Deens. keÀece keÀjC³ee®eer newme Deens. Jeeìsue lesJe{s keÀ<ì keÀjC³ee®eer, jeyeC³ee®eer Je efHeÀjC³ee®eer leekeÀo Je le³eejer Deens. ceer l³eebvee neleeMeer Oejues. ceuee DeeþJeles. Kes[sieebJeele cee©leer®³ee cebefojemeceesj SkeÀ ceesþe ieesue oie[ Demelees. l³eeuee iebg[e cnCeleele. DeeHeu³eemeJe& MekeÌleerefveMeer lees G®euelee ³eeJee cnCetve SkesÀkeÀpeCe Oe[He[lees. lees peeie®ee nuele veener. DeveskeÀpeCe l³ee®³eeYeesJeleer GYes jenleele. DeesCeJes nesTve nele Ieeueleele. DeeefCe MeefkeÌle

Good humour is one of the best articles of dress one can wear in society.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

SkeÀJeìtve lees G®eueleele ner mebIeMekeÌleer cnCepes SkeÀer®es yeU. Demes®e keÀebneR DeeHeu³ee neletve Ie[sue Demee ceuee efJeMJeme Jeeìuee. meceepemesJee ner DeMeer®e mebIeMekeÌleerletve efvecee&Ce nesle Demeles. ceer ceeP³ee meJe&®e ¢<ìerves íesìîee HeCe oceoej F®ís®³ee meJebie[îeebvee oer#ee efoueer ö meceepemesJes®eer. l³eebvee le³eej keÀjeJes ueeieues. l³eele Guneme jece®ebê YeesF&j ne meeleJeer He³e¥le efMekeÀuesuee, veiejHeeefuekesÀleuee ®elegLe& ÞesCeer®ee keÀce&®eejer. l³ee®eHe´ceeCes veeje³eCe ³eMeJeble YeesF&j, ollee$es³e yeUJeble peieleeHe, nefjM®ebê kesÀjesyee kesÀUJeskeÀj, ieCeHele ®ebêkeÀeble YeesF&j meele F³ellee GlleerCe& Peeuesues, MeeUceemlej cnCetve keÀece keÀjCeejs, ueewefkeÀkeÀ DeLee&ves DeeefCe Mew#eefCekeÀ ¢<ìîee keÀceer He[Ceejer ner ceeCemes. l³eelener oefuele meceepeeleerue.

DeeCeKeer SkeÀ Þeer. jeceoeme ueesKeb[s ³eeb®eerner meeLe efceUeueer. HeCe ³ee ceeCemeeble efve<þe nesleer. He´eceeefCekeÀHeCee neslee. DeuHeJe³eerve Je DevegYeJeer nesles. HeCe keÀeceele iees[er nesleer. HeCe keÀeceele iees[er nesleer. JekeÌle=lJe, uesKeveMewueer DeeefCe Gceos osKeCes J³ekeÌleercenlJe kegÀCeepeJeUner veJnles. HeCe ³ee ceeCemeeb®³ee ceveele leUceU nesleer.

MeneU³eeleerue HeeC³eemeejKes He´sce nesles. ceer ceesþîee mJeeefYeceeveeves cnCele Demes keÀer, ceeP³ee keÀe³e&keÀl³ee¥vee je$eer 12Jeepeleeb yeesueeJeues lejer keÀesþsner ³esleerue. ³ee keÀeceele G[er Ies, Demes meebefieleues lejer keÀesCel³eener mebkeÀìe®eer DeeefCe De[®eCeerb®eer HeJee& ve keÀjlee les l³ee keÀeceele G[er Iesle nesles. ³ee ceeCemeebvee IesJetve ceer keÀeceeuee ueeieuees. ³ee ceeCemeeble neslee Dee%eeOeejkeÀHeCee, l³eeb®³eele nesleer me®eesìer DeeefCe ef®ekeÀeìer. l³eebvee neleeMeer Oe©ve ceer ceePeer Hee³eJeeì ceUueer. l³eeb®³eeHewkeÀer SKeeoelejer G®®e efJeÐeeefJeYetef<ele Demelee, HeoJeerOej Demelee lej ceeP³ee

keÀe³ee&uee kesÀJe{er ieleer Deeueer Demeleer ! lejerHeCe l³eeb®³ee efve<þsves ceuee meeLe efoueer. Deieoer DeKesjHe³e¥le ö Deepe ö leeiee³ele. GueìHe#eer Demebefn nesC³ee®eer Meke̳elee nesleer keÀer G®®eefJeÐeeYetef<ele Deveg³ee³eeb®ee ceuee GHemeie&ner Peeuee Demelee. DeefleyegOoerJeeoer ceeCemes He´Kej efJeJeskeÀ efve<þeb®es celeYeso J³ekeÌle keÀjleele. le[pees[ keÀjC³eemeeþer leer menmee ®eìkeÀve le³eej nesle vemeleele. Dee%eeHeeuevee®³ee yeeyeleerlener lemes®e keÀebnermes Ie[le Demeles. ceePes pes ueneveueneve keÀe³e&keÀlex nesles ö keÀceer efMekeÀuesues nesles lelHej Jeeìues. ceO³eje$eerueener nekesÀuee Dees osTve OeeJele ³esle. SKeeos keÀece meesHeefJeues keÀer He´efleHe´Mve ve keÀjlee Jeeiele. keÀece ³eMemJeer keÀ©ve ³esle Demele. leke´Àejer ceeb[erle vemele keÀer De[®eCeer meebiele vemele. meceepekeÀe³ee¥®eer oer#ee SkesÀkeÀe keÀeceeuee meg©Jeele Peeueer. mebmLes®es Heefnues Mew#eefCekeÀ keÀe³e& efJeÐeeÞece Jemeefleie=ne®³ee ©Heeves GYes jeefnues. efJeÐeeÞece ³ee Meyoe®eer pegUJeepegUJener Deieoer keÀeuHeefvekeÀ lejbieeletve Deeuee veener. l³eeceeies ÞeOoe Je efpeJneUe ueHeuee Deens. ceer HegC³eele Demeleebvee efMe#eCeemeeþeR efJeÐeeefJekeÀeme Jemeefleie=nele jnele neslees. l³eeleerue ’efJeÐee“ ne Meyo G®eueuee. Jemeefleie=ne®³ee GYeejCeerHetJeer& ceer veeje³eCe YeesF&j ³eeme Dee®ee³e& efYemes ³eeb®³ee MeejoeÞeceele GcesoJeejermeeþer HeeþefJeuee neslee.

Jemeefleie=neleerue efMemle. JeeleeJejCe. Yeespeve, He´eLe&vee, yeewefOokesÀ, mJeeO³ee³e keÀmes Demeleele. DeeefCe efove®e³ee& keÀMeer þsJeeJeer ueeieles ³eemebyebOeer®eer ner GcesoJeejer. Dee®ee³e& efYemes ³eeb®³ee MeejoeÞeceeleerue ceer ’DeeÞece“ G®eueuee DeeefCe ’efJeÐeeÞece“ le³eej Peeuee. efJeÐeepe&veemeeþeR

Happiness springs from intense activity in congenial surroundings.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

Demeuesuee DeeÞece. He´e®eerve efMe#eCeele ieg©ie=ner jentve efJeÐee mebHeeove keÀjeJeer ueeies les®e ieg©kegÀue. veeje³eCe YeesF&j ³eeb®³eele KeebÐeeJej ceer efJeÐeeÞecee®ee Heefnuee J³eJemLeeHekeÀ cnCetve peyeeyeoejer meesHeefJeueer. Þeer. o. ye.peieleeHe DeeefCe Þeer. n. kesÀ. kesÀUJeskeÀj ns Heefjef®ele He´eLeefcekeÀ efMe#ekeÀ. ³eeb®³eemen Dev³e keÀe³e&keÀlexner menkeÀe³e& keÀjerle Je l³eebvee efMe#ekeÀer HesMee meebYeeUtve efJeÐeeÞecee®es J³eJemLeeHekeÀ cnCetve keÀece kesÀues. efJeÐeeÞecee®ee meJe& Ke®e& Heefnu³ee Je<eeA mebmLesves®e keÀjeJe³ee®ee neslee. ceer efpeÎerves GYee neslees. meg©Jeeleer®³ee keÀeUele ceePes pegves mvesner Je mebmLes®es efJeMJemle Þeer. ieCeHele yeefnjpeer efMebos. ³eeb®esner mene³³e HeÀej Peeues. De[erDe[®eCeerle les ceole keÀjerle. cetU®es FmueeceHetj®es. HegC³eele mLeeef³ekeÀ Peeuesues HeCe veeskeÀjer efveefcelleeves þeCes, kegÀueeyee efpeu¿eele Deeuesues. efye´ìerMe keÀeUeble les ceeceueWoej HeoeJej jsMeefvebie Keel³eele veeskeÀjerme nesles. cebieUJeej efoveebkeÀ 8 petve 1948. Jee[e leeuegkeÀe nefjpeve meceepe Gvveefle ceb[U ³ee mebmLes®ee mLeeHevee efove. Deeyee peeJet iee³ekeÀJee[ ns cenej meceepeeleerue. efyeueesMeer®es jefnJeemeer. ceb[Ue®es Heefnues DeO³e#e. ceer ef®eìCeerme neslees. efYeJeb[eruee Deeuees DeeefCe otmeN³ee®e Je<eeA þeCes efpeune nefjpeve Gvveefle ceb[U Demes mebmLes®es veebJe Peeues. l³eeJesUer Þeer. efYecejeJe ieesefJebo peeOeJe ns DeO³e#e nesles. 1952 Heemetve ceer DeO³e#eHeoe®eer peyeeyeoejer efmJekeÀejueer leer Deepeleeiee³ele. efJeÐeeÞecee®³ee ©Heeves meeceeefpekeÀ mesJes®ee Þeer ieCesMee Peeuee. l³eeuee keÀejCe cnCepes ceeP³eeJej yeeueHeCeer Peeuesu³ee megmebmkeÀeje®ee HeefjCeece DemeeJee. kegÀ[tme®³ee He´eLeefcekeÀ MeeUsle ceer eflemejer F³ellee Heeme Peeuees. l³eeveblej

ceer ®eej Je<ex Iejer jeefnuees, keÀejCe Heg{erue efMe#eCee®ee Jeie&®e veJnlee. efMe#eCeefMeJee³e [esUme yeveC³ee®ee ceeie&®e veJnlee. efJeÐescegUs®e ceeCetme ®eebieu³ee JeeF&ìeleerue HeÀjkeÀ peeCet MekeÀlees. ceeveJeer cegu³e MeesOet MekeÀlees. mee efJeÐee ³ee efJecegkeÌle³es~ DeMeer ceePeer ÞeOoe Deens. peieele Jew%eeefvekeÀ, leebef$ekeÀ DeeefCe J³eJeneefjkeÀ mHeOeXle efvej#ej ceeCetme peiee³euee DeHee$e þjlees. De%eeve ns DeveskeÀ og:Kee®es cetU þjles. De%eeveeleerue iegueeceefiejer DeeefCe efHeUJeCetkeÀ, Mees<eCe ®eeuet Demeles. ceer Jemeefleie=n meg© kesÀues Kejs. Hejbleg lesJe{îeeJej®e Leebyeuees veener. cegueeb®³eeceO³esb yemetve l³eebvee pes ®eebieues meebielee ³esF&ue les ceer meebiele neslees. chils is the father of man Demes Fbie´peer Je®eve Deens. ceie ceguesöcegueer YeeJeer efHe{er®es He´efleefveOeer veJnsle keÀe³e? pegveer efHe{er veJ³ee efHe{eruee Jeejmee osle Demeles. cegueebves yeeHee®³ee KeebÐeeJej GYes jentve peie Heeefnues Heeefnpes. $e+CecegkeÌleles®eer peeefCeJe cegueebvee me%eeve keÀjCes cnCepes ceele=efHele$e+Ce, osJeDee®ee³e&$e+Ce Je meceepe$e+Ce ³eeb®eer HesÀ[ keÀjCes nes³e. l³eebvee Deejesi³ee®es, megmebmkeÀeje®es Oe[s efceUe³euee Heeefnpesle, cegueeb®es jbpeve keÀjlees lees osJeeMeer veeles pegUJelees Demes meeves ieg©peer cnCele. cegueiee efkebÀJee cegueieer ³eeceO³es ceer HeÀjkeÀ ceevele veJnlees. ne cegueiee ieefjyee®ee, ner cegueieer ye´eïeCee®eer, ne cenej, ne Þeerceble, ne DeeoerJeemeer DeeefCe ³eeb®eer peele cnCepes Jeejueer, keÀesUer, Jebpeejer Demee keÀebneR HeÀjkeÀ keÀjlee ³esle veener. meieȳeeb®eb jkeÌle SkeÀ®e, Yetceer SkeÀ®e, DeeefCe ceeveJelee Oece&ner SkeÀ®e. ner cegues cnCepes F&MJeje®eer cegues Deensle. DeeefCe l³ee®³ee yeeiesleueer HegÀues Deensle DeMeer ceePeer ÞeOoe nesleer. ceer

He most lives who thinks most, feels the noblest, acts the best.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

ns meeves ieg©peer keÀ[gve efMekeÀuees. ieefjyeer ne cegueeb®ee oes<e veener. l³eeb®ee DeHejeOe veener. l³eeb®³eeJej®ee jeie Je efn[ermeefHeÀ[erme ³eeuee ieefjyeer keÀejCeerYetle veener.

DemJe®í cegues keÀesCeeueener DeeJe[le vemeleele. $e+CecegkeÌlelee ne GlejeF& nesC³ee®ee ceeie& DeeHeu³ee DeJeleeröYeesJeleer DeeHeues DeeF&Je[erue, ieg©peve, MeeUe DeeefCe meceepe DeMee efJeefJeOeebieer mJe©Hee®es Jeue³e Demeles. l³ee He´l³eskeÀe®es DeeHeCe keÀener osCeW Demelees. ne kesÀJeU SkeÀ YeeefJekeÀ veJns, lej Keesue mebmkeÀej ceeP³ee ceveeJej ueneveHeCeeHeemetve®e ©peuesuee Deens. meeceeefpekeÀ peerJeveele meceepee®³ee efnleemeeþer pes keÀener Heg{s Ie[sue l³ee®³ee cegUeMeer ne mebmkeÀej Deens DeMeer ceePeer ¢{ ÞeOoe Deens.meeceeefpekeÀ peerJeveele keÀe³e&keÀl³ee¥vee J³eefkeÌleiele yebOeves Demeleele, leer kesÀJeU meceepeöefnleemeeþer. ceuee Demes Jeeìles, meceepemesJes®³ee He´®eb[ meeiejele p³eeuee DeeHeues peerJevelee© PeesketÀve ÐeeJe³ee®es Deens l³ee®es ceve ns mebmkeÀejmebHevve Demee³euee nJes. $e+Ce HesÀ[C³ee®eer YeeJevee DeeefCe meeceeefpekeÀ keÀle&J³eHetle&les®eer peeCeerJe melele lejue jne³euee nJeer. ns vemesue lej meeceeefpekeÀ mesJes®ee efMeuesoej cnCetve meceepemesJekeÀe®eer YetefcekeÀe lees He´eceeefCekeÀHeCes yepeeT MekeÀCeej veener. keÀe³ee&le efJeOee³ekeÀ nJeeröefJeOJebmekeÀlee veJns DeefuekeÀ[®³ee keÀeUele meceepemesJekeÀ ³ee efJe®eejeYeesJeleer SkeÀ veJeerve Jeue³e efvecee&Ce nesT Henele Deens. leW Jeue³e cnCepes meceepemesJes®³ee meeOevesuee ef®ekeÀìefJeuesues je<ì^er³e vesle=lJe, meceepemesJee keÀjleevee je<ì^er³e vesle=lJe Demee³euee nJes DeMee He´keÀej®eer yeUeJeCeejer YeeJevee cnCepes mJele:®eer HeÀmeJeCetkeÀ

Deens. keÀejCe je<ì^er³e vesle=lJee®eer mìbìyeepeer meceepeele Demebleg<ìlee DeeefCe HeÀeìeHetÀì ³eeceOetve DejepekeÀlee efvecee&Ce keÀjC³ee®³ee ueeìsJej nsuekeÀeJes Keele Demeles.

DeMee HeefjefmLeleerle SKeeÐee efJeefMe<ì meceepee®³ee mebIeìves®ee He´cegKe yeveCeW. cepegjeb®³ee efkebÀJee MeslekeÀN³eeb®³ee DeeefLe&keÀ He´Mveebvee Heg{s keÀ©ve ue{eT mebIeìvee efvecee&Ce keÀjC³eele DeeefCe l³eeceOetve®e cees®eX, mebHe, IesjeJe, yebo DeMee ceeO³ecee®ee GHe³eesie keÀ©ve DeeHeues veebJe ieepeefJeCes DeeefCe He´efmeOoer®³ee PeieceìeceO³es ®ecekeÀle jneCes Fl³eeoer yeeyeer meceepee®³ee efJeOee³ekeÀ mesJeeJe=lleeruee MeesYeeoe³ekeÀ DeeefCe Heg<ìeroe³ekeÀ veenerle DeMeer ceePeer OeejCee Deens. keÀejCe meeceeefpekeÀ mebIeMekeÌleer ner efJeOee³ekeÀ keÀe³ee&keÀ[s peesHe³e¥le JeUle veener, DeeefCe leMeer He´Je=lleer Jee{le veener. leesHe³e¥vle meceepeGYeeCeer®es keÀece nesT MekeÀle veener.

GHesef#eleeb®es Deblejbie ceuee SkeÀ DeeþJeCe veceto keÀjeefJemeer Jeeìles.

HegC³eele efMekeÀle Demeleevee kewÀ. Þeer. ce. ceeìs, ns ceeìWceemlej ³ee veebJeeves DeesUKeues peele nessles. ye´eïeCe meceepeeleerue ns ie=nmLe oefuele efHe[erleebceO³es JeeJejle Demeu³eecegUs keÀener mebYeeefJele ceb[Uer l³eeb®ee cenej ceeìs Demee GHejesOeeves GuuesKe keÀjerle. HeCe ³ee mebketÀef®ele efJe®eejeHeueerkeÀ[s®e ceeìs ³eeb®eer efJe®eejmejCeer iesueer nesleer. DeesbkeÀejsMJej®³ee peJeUtve JeneCeejer veoer. l³ee veoerHeueerkeÀ[®³ee PeesHe[erle jneCeejs DemHe=M³e yeebOeJe. l³ee PeesHe[îeele SkeÀe neleele kebÀefoue, ogmeN³ee neleele HeeìeröHegmlekeÀeb®eer efHeMeJeer IesTve les je$eer peele Demele. cegueebvee SkeÀ_e keÀjerle DeeefCe l³eebvee les efMekeÀJeerle Demele. %eevee®³ee oeueveele He´JesMe keÀjCeeN³ee YekeÌleeme

A generous man places the benefits he confers beneath his feet; those he receives nearest his heart.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

DeeWpeUer YejYe©ve %eeve osCeeje Demee efMe#ekeÀ DeeefCe peele, Oece& ve Henelee meJee¥vee peJeU keÀjCeeje ne ceeCetme cnCepes GHesef#eleeb®es Deblejbie peeCeuesuee YeefJe<³ee®ee Yee<³ekeÀej neslee. ceeP³ee ceeiee&Jejerue oerHemlebYe meeves ieg©peer cnCepes ceer Heeefnuesuee Goelle Gceeȳee®ee ceeCetme. ieefjyeerves vee[uesu³ee efJeÐeeL³ee¥vee mJele:®³ee Jesleveeletve HeÀermeeþer Hewmes osle Demele. iejerye, nefjpeve DeMee meJe& mlejebleerue efJeÐeeL³ee¥®eer DeepeejHeCeele MegÞeg<ee keÀjerle, DeeefCe ’M³eece®eer DeeF&®es“ He´sce l³ee meJee¥meeþer osle. ceeveJe mesJee keÀjleevee peeleer®es yebOeve ³esles keÀesþs? DeeefCe Demee mebkegÀef®ele efJe®eej lejer ceveele Jee{t keÀe Ðee³e®ee? keÀejCe mesJesceO³es ceeCetme ne®e keWÀêefyebot Deens. l³eeb®es meejs Jee*ce³e ceer Jee®eues. YeejeJetve peeTve DeeHeCe keÀenerlejer kesÀues Heeefnpes ne efJe®eej melele ceveele ³esle Demes. ieesHetjer®es DeHHee HeìJeOe&ve Kejs HeÀefkeÀje®es peerJeve peieues. DeCCeemeensye oemleeves kegÀ<þjesie keÀe³ee¥le ceive. ns DeeoMe& ceuee efomeues. HegC³eeleerue ieuueeryeesU DeeefCe jmles mJe®í þsJeC³eemeeþer mesveeHeleer yeeHeì ³eebveer Kejeìe DeeefCe ìesHeueer®ee DeeoMe& Ieeuetve Godyeesvee®ee SkeÀ veJeerve ceeie& oeKefJeuee. oefuele efHe[erleeb®³ee yejesyej®e DeeefoJeemeeR®³ee Mew#eefCekeÀ efJekeÀemeemeeþer þkeÌkeÀj yeeHHeebveer veJeerve ³eespevee DeeKetve l³ee He´l³e#eele DeeCeu³ee DeeefCe DeCCeemeensye menm$eyegOos Je yeeyee Deeceìs ³eebveer kegÀ<þjesi³eeb®³ee mesJeeOecee&®eer Je ieesjieefjyeeb®eer mesJee keÀjC³eele DeeHeues Dee³eg<³e Jes®eues. ³ee meJee¥®eer mesJee HewMee®³ee ceesueele ceespelee ³esF&ue keÀe?

DeeefoJeemeer meceepe ne Deepegvener DeHe´iele Deens.

He´ecegK³eeves þeCes efpeu¿eele ³ee meceepee®³ee mesJesme Jeentve IesleuesuesDee®ee³e& efYemes, Þeer. ue. og. cenepeve, Þeer. n. oe.jeTle ³eeb®eer mesJee efvejHes#e mesJee veener keÀe? mebleÞes<þ iee[ies cenejepe ³eebveer Kejeìîee®ee mebosMe efouee DeeefCe meceepeJeeoe®³ee HeeTueJeeìsJej ieesjieefjyeebveer ³ee³euee nJes cnCetve meoe®eejeletve, meodOecee&letve DeeefCe meodmebieleerletve Heg{s ³esC³eemeeþer pees efJe®eej Dee³eg<³eYej DeeHeu³ee Yepeve efkeÀle&veebletve ueeKees YekeÌleeb®³ee Deble:keÀjCeele keÀesjuee, les ceneje<ì^e®es meceepeJeeoer meble Deece®es DeeoMe& veenerle keÀe ? Leesj HejbHeje osTve peerJeveele mebmkeÀej mebHevveles®ee ceUe HegÀueefJeC³eemeeþer ³ee ueeskeÀebveer pes Dee³eg<³e Jes®eues les efceMevejer Je=lleerves®e. cnCetve®e les ceuee DeeoMe&Jele Deensle. ceeP³ee meeceeefpekeÀ peerJeveele ³esC³eeN³ee De[®eCeerceO³es ceer ³ee ceneHeg©<eebkeÀ[s ceePes oerHemlebYe cnCetve Henelees DeeefCe ceePeer Jeeì®eeue ®eeuet þsJelees. ³ee meJe& J³ekeÌleer peceu³ee, Jee{u³ee DeeefCe iesu³ee. l³ee meceepemesJes®³ee JeeìsJej®e l³eebveer kesÀuesu³ee mesJesmeeþer l³eebvee ceevemevceevener ueeYeues, HeCe He´efle<þe DeeefCe mellee ³eeb®³eeHeemetve otj Demeuesu³ee ³ee ueeskeÀebveer l³eebvee DeeojHetJe&keÀ vekeÀej efouee, ef®ekeÀìJeuesueer SKeeoer efye©oeJeueer ner kesÀJnener cesCeeves [keÀefJeuesu³ee SKeeÐee HebKeemeejKeer He[t MekeÀles. Hejblet peveceevemeele meeceev³eeb®³ee Deble:keÀjCeeJej He[uesu³ee mesJes®ee He´YeeJe ne keÀe³ece jent MekeÀlees.

Oe[He[C³eeN³ee ³egJekeÀeb®es ÞeOoemLeeve ö meeves ieg©peer ceeP³ee peerJeveeJej HeÀej He´YeeJe Deens. l³eeb®ee menJeeme pescelesce 5 Je<ee¥®ee. HeCe l³ee 5 Je<ee¥le ceer De#ejMe: YeejeJetve iesuees. peerJeveeleerue DebefiekeÀejuesu³ee

Man must become supreme ruler of himself. When he is, he will cease to have a desire to rule over others.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

keÀe³ee&yeÎue keÀe³e Goellelee Demeles ns meeves ieg©peeR®³ee peerJeveeletve Hene³euee efceUeues. iejerye, efHe[erle, oefuele, MeslekeÀjer ³eeb®³ee peerJeveeMeer leeoelc³e HeeJeuesuee SkeÀ Decej cnCeeJee ueeiesue. ceer Jeebê³eeuee uesoj ìskeÌvee@uee@peer®³ee ef[Hueesceeuee neslees. ceer HejU ³esLes jnele nesles. Deecneb efJeÐeeL³ee¥yejesyej les SkeÀoe pesJeCeemeeþer Deeues. meeves ieg©peerbveer Kejb cnCepes pesJeleeb pesJeleeb Deecneuee peeCeerJeeb®eer peeie=leer keÀe³e Demeles. ns meebefieleues. osMeHe´sceeves DeesleHe´esle Yejuesuee DeeefCe l³ee®e efoMesves keÀ<ìCeeje SkeÀ Gb®e ceeCetme Hene³euee efceUeuee.

Deecne efJeÐeeL³ee¥®³ee Deble:keÀjCee®ee l³eebveer þeJe Iesleuee.

Deece®ee Heefj®e³e l³ee keÀeUeHeemetve Jee{le iesuee. GÐee®³ee efHe{er®ee efJe®eej keÀjCeeje DeeoMe& efMe#ekeÀ, osMemesJekeÀ, meceepekeÀe³ee¥le DeeIee[erJej jenCeeje SkeÀ efve:mJeeLeer& keÀe³e&keÀlee&. meceeOeermLe DeJemLesletve DeesUKeCeejs ieg©peer ceeP³ee efce$eeuee ceer SkeÀoe ieg©peerb®³ee Yesìermeeþer IesTve iesuees. ieg©peer [esUs efceìgve Meeble yemeues nesles. oej GIe[s®e nesles. Deecner Keesueerle iesuees. l³eeb®eer mleyOelee cees[C³ee®es Oee[me Deecner keÀ© MekeÀuees veener.

Deecner lemes®e GYes neslees ö ieg©peeR®³ee meceesj. Lees[³ee JessUeves l³eebveer [esUs GIe[ues. ceer l³eebvee efJe®eejues, ’ ieg©peer, [esUs efceìtve legcner keÀmeues ef®ebleve keÀjerle neslee?“ MeebleHeCes HeCe efveM®e³eeves ieg©peer cnCeeues, ’let legP³ee efce$eeuee IesTve Deeuee Deensme, legP³ee efce$ee®ee Je ceePee Heefj®e³e JneJee, ceer l³eeuee HegCe&HeCes DeesUKeeJes, l³ee®ee efJemej He[t ve³es cnCetve ceer l³ee®es ef®ebleve keÀjerle neslees.“

osJeemeceesj GYes jeefnu³eeveblej nele pees[tve #eCeYej DeeHeCe [esUs efceìtve Iesle Demelees. ³ee DeesUKeermeeþer®e. ieg©peer DeeHeu³ee meceeOeerletve Deecneuee ceesþe mebosMe osTve ieWues. Deelcee®eer leeoelc³elee, SkeÀeie´lee, efkeÀleer keÀ<ìce³e meeO³e Deens ³ee®eer peeCeerJe Peeueer. ceePeer Helveer meew. G<ee ner efnbieCes ³esLeerue cegueeR®³ee Jemeefleie=neble HegCes ³esLes nesleer. lesLeerue JeemleJ³eele HegCes ³esLeerue nefjYeeT peesMeer Je meeves ieg©peer eflebuee DeeHeu³ee Iejer efkebÀJee MeeUsle iesu³eeveblej cegÎece Yessìle Demele. yeesueeJetve Iesle. efleuee meeceeefpekeÀ mesJes®es Je meeceeefpekeÀ, Mew#eefCekeÀ keÀe³ee&®eer efMekeÀJeCe osle. meceepe keÀe³ee&le leer peemle Heg{s Deeueer veener. Hejbleg meceepekeÀe³ee&yeeyele He´eslmeenve Je Gllespeve efoues. ³esCeeN³ee peeCeeN³ee ceeCemeeb®eer ®eebieueer J³eJemLee keÀjerle Demes. cegueeb®es efMe#eCe HetCe& keÀjC³eeme efleves KegHe ceole kesÀueer.

Heb{jHetj ³esLeerue efJeþesyee®es cebefoj nefjpeveebmeeþer Kegues JneJes cnCetve meeves ieg©peeRveer Devvemel³eeie´n kesÀuee neslee. Hejblet peveles®ee keÀewue I³eeJee cnCetve l³eebveer ceneje<ì^e®ee oewje kesÀuee. ceneje<ì^ele efHeÀjle Demeleebvee lesb ceeP³ee ieeJeer kegÀ[gme, lee. Jee[s ³esLes Deeues. DeveskeÀeb®³ee mcejCeeble jneJes Demes l³eeb®es Yee<eCe Peeues. l³eeJesUer l³eebveer ceeP³eeyeÎue KetHe®e ®eebieues Godieej keÀe{ues. meJe& ueeskeÀebvee ceesþs DeeM®e³e& Jeeìues. ’Heeb[gjbiee®es cebefoj nefjpeveebvee Kegues keÀjC³eemeeþer ceer Deepe KeN³eeKegN³ee Heeb[gjbiee®³ee ieebJeer Deeuees Deens. ne Heeb[gjbie ueneveHeCeer®e l³ee®ee DeY³eeme Je JeeieCetkeÀerJe©ve GÐee®³ee efHe{eruee efJeMeeue meceepeoMe&ve

In actual life every great enterprise begins with and takes its first forward step in faith.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

Ie[efJeue.“ ieeJekeÀN³eebveer Je Deepetyeepet®³ee ueeskeÀebveer mel³eeie´ne®³ee ®eUJeUeruee ìeU³eeb®³ee keÀ[keÀ[eìeceO³es Deeveboeves mebceleer efoueer. ceer mebmLes®³ee Jeleerves Heefnues Jemeefleie=n megª kesÀues. l³ee Jemeefleie=ne®³ee DeeefLe&keÀ De[®eCeer otj keÀjC³eemeeþer meeves ieg©peeRveer 26-7-1949 uee SkeÀ Heefj®e³e He_ener efoues. DeeHeu³ee meeOevee meeHleeefnkeÀebletve DeeJeenve kesÀues. ceeP³ee keÀe³ee&uee MegYeeMeerJee&o efoues. meeves ieg©peer ³eeb®es Heefj®e³e He$e ’þeCes efpeune nefjpeve Gvveefle ceb[U mebmLes®³ee Jeleerves efYeJeb[er ³esLes efJeÐeeÞece íe$eeue³e meg© keÀjC³eele Deeues Deens. Þeer. Heeb[gjbie Oecee&peer peeOeJe ns mebmLes®es pevejue meske´sÀìjer Deensle. ceneje<ì^eleerue Je³eesJe=Oo mesJekeÀ Het. nefjYeeT HeÀeìkeÀ ³eeb®ee Del³eble efJeMJeeme Demeuesues ns keÀe³e&keÀlex Deensle. les efJeÐeeLeea nesles lesJneHeemetve l³eeb®³ee ceePee Heefj®e³e efJeÐeeÞece íe_eeue³eeme Heefnu³ee Je<eea mejkeÀejer ie´B[ efceUCeej veener. ³ee Heefnu³ee Je<ee&®ee Ke®e& keÀmee YeeieJee³e®ee ne He´Mve Deens. 22 efJeÐeeLeea Deensle.mJe³ebHeekeÀer Jeiewj Ke®e& Deens. ceefnC³eeuee oesve Deef[®eMes ©He³es lejer ieesUe keÀjeJes ueeieleerue. Heg{erue Je<eea mejkeÀejer ie´B[ efceUeu³eeJej Leess[s peeF&ue. Hejblet Heefnu³ee Je<eea lej mebmLee peieeJe³eeme nJeer. ceuee DeeMee Deens keÀer, þeCes efpeune ³ee efJeÐeeÞeceeme yebo He[t osCeeje veener. ceole keÀjerue. þeCes efpeu¿eeletve ceole efceUtve efJeÐeeÞece Jee{erme ueeiees.“ He´yeesOevee®ee efJe®eej HeCe ns meieUs ceeb[erle Demeleebvee ceuee ns vece´HeCes

veceto keÀjeJe³ee®es Deens keÀer, ceeP³ee mebkeÀuHeefmeOoer®eW MeyoebkeÀve cnCepes ceePes Deelce®eefj$e veJns efkebÀJee mebmLes®³ee keÀe³ee&®ee meYeemeoebvee meeoj kesÀueWuee DenJeeue veJns. SkeÀ [esUme keÀe³e&keÀlee& cnCetve ceneje<ì^eleerue Je Dev³e jep³eeleerue oefuele meceepee®³ee mesJes®ee Je meeceeefpekeÀ He´yeesOevee®ee MeesOener ³ee ©Heeves Ieslee ³esF&ue Demee efJeMJeeme Deens. DeLee&le ceer ceeP³ee ce³ee&oe ve Deesueeb[lee mJe®í ceveeves SJe{s®e veceto keÀ© Fef®ílees keÀer, ne meeceeefpekeÀ He´yeesOevee®ee efJe®eej oefuele meceepee®³ee keÀe³ee&Hegjlee ce³ee&efole Demeuee lejer lees efJeJes®ekeÀ DeeefCe J³eeHekeÀ mJe©Hee®ee efveefM®ele®e Deens. ceer ceeP³ee SketÀCe Dee³eg<³ee®ee DeeefCe meeJe&peefvekeÀ peerJevee®ee efJe®eej keÀjlees lesJne ceuee mJele:yeÎue ieJe& Jeeìle veener. meeceeefpekeÀ peerJeveeble ceer DeelcekeWÀefêle vemeu³eecegUs Deelcemebleg<ìles®es Jeue³e ceeP³eeYeesJeleer veener.

DeeHeCe KetHe keÀener kesÀues Deens Demes Jeeìle veener. ceePes keÀece efmebOetleerue efyebotFlekesÀ DeLeJee JeeUJebìeleerue keÀCeeFlekesÀner veener, ³ee®eer peeCeerJe Deens. HeCe SkeÀ iees<ì cee$e cevee®³ee Deeleerue keÀHH³eeletve kesÀJnelejer meebiele Demeles keÀer, meceepee®ee GlejeF& nesC³ee®ee He´³elve DeuHeMee He´ceeCeele kesÀu³eecegUs meeceeefpekeÀ $e+Cee®eer HesÀ[ neletve nesle Deens, ³ee®es meceeOeeve Deens. meeceeefpekeÀ He´yeesOeveöefJe®eejeb®eer He´sjCeer ns meJe& veceto keÀjC³ee®es keÀejCe cnCepes 1930 les 1940 ne ceePee efJeÐeeLeeaoMes®ee keÀeU. DeJeleer YeesJeleer pes Ie[le nesles les ceer meeJeOe ef®elleeves Henele neslees. vekeÀUle Deieoer DeYeeefJeleHeCes ceeP³ee ceveeJej keÀener mebmkeÀej nesle nesles. efJeOee³ekeÀ keÀe³ee&®es yeeUkeÀ[t ³eeceOetve®e ceuee efceUle iesues. ceveeJej ns efJe®eej DeMee

Nothing of real value in the world is accomplished without enthusiasm and self-sacrifice.

47

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

efjleerves He´ieì nesle Demeleevee®e efkebÀJee l³eeJej cebLeve nesle Demeleevee®e Heg{erue 10 Je<ee&ceO³esb ³ee efJe®eeje®eer efyepes KeesueJej ©peueer iesueer. 1940 meeueeR ceer þeCes efpeu¿eele He´eLeefcekeÀ MeeUe He´ceeCeHe$e Heefj#esle Heefnuee Deeuees. 1947 meeueeceO³es Heb{jHetj®³ee efJeÇue cebefojele nefjpeveebvee He´JesMe efceUeJee cnCetve meeves ieg©peerbveer He´®eej oewje keÀe{uee neslee. He´eCeebeflekeÀ GHees<eCee®³ee yeelec³ee Je=lleHe$eeletve ³esle nesl³ee. oefuele meceepeeleerue cegbyeF& He´eblee®es ceb$eer Þeer. peer. [er. leHeemes ³eebveer DeeHeu³ee MeemekeÀer³e DevegYeJee®³ee keÀewMeu³eeves DeeefCe DeHeej Þeceeves 12-4-1947 ®ee nefjpeveeb®ee meeceeefpekeÀ De[®eCeer otj keÀjCeeje keÀe³eoe DeeefCe 24-11-1947 ®ee nefjpeveeb®ee cebefoj He´JesMee®ee keÀe³eoe Heeme keÀ©ve Iesleues nesles. J³eJeneefjkeÀ YetefcekesÀletve Heeme Peeuesues keÀe³eos DemHe=M³e meceepeeuee keÀebneR osleerue Demes l³eebvee Jeeìle nesles HeCe keÀe³eoe DeeefCe l³ee®eer DebceueyepeeJeCeer neleele nele Ieeuetve peele veenerle ns l³eebvee DevegYeJeeves efomeues. ³ee iees<ìer®ee ceuee He´l³e#e DevegYeJe Deeuee.meeceeefpekeÀ He´yeesOeve He´YeeJeer Peeu³eeefMeJee³e v³ee³e efceUCeej veJnlee. efMe#eCee®³ee ceeO³eceeves®e meeceeefpekeÀ He´yeesOeve ieefleceeve nesF&ue DeeefCe meceepee®ee keÀe³eeHeeueì nesF&ue ³ee efJe®eejeves ceeP³ee ceveele Iej HekeÌkesÀ kesÀues.

1942 ®eer ®euespeeJe ®eUJeU efye´ìerMeeb®³ee efmebnemeveeuee neojs osT ueeieueer. ogmeN³ee peeieeflekeÀ ³egOoeleuee efJepe³e efye´ìerMe meece´ep³eJeeoe®³ee HejeYeJee®eer veeboer þjueer. mJeeleb$³e He´eHleermeeþer Yeejleeleerue Yetefceiele

®eUJeU, veewouee®es yeb[, DeePeeo efnbo mesves®eer mLeeHevee DeeefCe DeeIee[er, o[HeMeener efJe©Oo efnbmekeÀ ®eUJeU, ³egOoecegUs keÀesuece[uesueer DeLe&J³eJemLee DeeefCe l³eele Yejerle Yej cnCepes ye@. efpeveebveer HeeefkeÀmleeve®eer ceeieCeer keÀjlee®e cenelcee ieebOeerveer kesÀuesuee Devegve³e Je efye´ìerMeeb®es cegefmueceOeeefpe&Ces OeesjCe ³eeb®ee HeefjCeece Jne³e®ee lees®e Peeuee. DeeefCe DeKeb[ Yeejle efJoKeb[erle Peeuee. peeleer³e obieueer®ee JeCeJee Hesìuee DeeefCe Yeejleceelee Del³ee®eej, yeueelkeÀej, jkeÌleHeele ³eeceO³es De#ejMe: nesjHeUtve iesueer. efveleercegu³eeb®es DeefOe<þeve peerJeveele keÀener veweflekeÀ cetu³es DemeeJeer ueeieleele. leer cetu³es peHeeJeer ueeieleele. keÀenerb®³eekeÀ[tve DeeoMe& cnCetve I³eeJeer ueeieleele. DeeefCe DeeHeu³eekeÀ[tve lemes Flejebvee ÐeeJesner ueeieleele. peerJeveeleuee lees Keje Deevebo Demelees. ceuee ceeP³ee peerJeveele efkeÀleer ueeskeÀebkeÀ[tve ®eebieues DeeoMe& ueeYeuesues Deensle ns meebietve l³eeb®ee GuuesKe ceer mJeeefYeceeveevesb Jej kesÀuesuee Deens. l³ee J³ekeÌleer®³ee mJeYeeJeele DeeefCe J³ekeÌleercelJeele ceuee pes ieJemeues les cnCepes efveueexYe Je efvejHes#e mesJee. ceeCemeeyeÎue DeleerJe He´sce DeeefCe l³ee He´sceeletve Jee{le peeCeeje SkeÀceskeÀeb®ee DeelceefJeMJeeme. DeMeer ceeCemes KejesKej®e DemeeJeer ueeieleele.

-ke´ÀceMeë

There is always a way to acquire knowledge, always a way to get ahead if the will to learn is there.

48

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

keÀe³eÐeeuee ie=efnle Oejlee ³esle®e veener. keÀe³eÐeeuee ie=efnle Oejlee ³esle veener. cegbyeF& meeJe&peefvekeÀ efJeMJemle J³eJemLee keÀe³eÐeevegmeej SkeÀoe veeWoCeer Peeuesu³ee meeJe&peefvekeÀ efJeMJemle mebmLeeb®³ee ceeuekeÀer®³ee mLeeJej ceeuecelles®es J³eJenej keÀjC³eeHetJeea Oecee&oe³e Dee³egkeÌleebkeÀ[tve mebceleer IesCeb l³eeb®³eeJej keÀe³eÐeevegmeej yebOevekeÀejkeÀ Deens.

veeefMekeÀ®³ee Yeesmeuee efceefueìjer mketÀue ®eeueefJeCeejer efo meWì^ue efnbot efceefueìjer - meesMeue Sp³egkesÀMeve meesmee³eìer Je keWÀê mejkeÀejves mLeeHeve kesÀuesueer Je ceesnve Oeeefj³ee DeO³e#e Demeuesueer HegC³ee®eer ceneje<ì^ je<ì^Yee<ee meYee, ³ee oesve mebmLeebveer one Je<ee&bHetJeea 1996 les 98 ceO³es Oecee&oe³e Dee³egkeÌleeb®eer HetJe& mecceleer ve Ieslee efJekeÀemee®es keÀe³e& kesÀues Je l³eeveblejö keÀe³ees&llej mecceleer IesC³eemeeþer Oecee&oe³e Dee³egkeÌleebkeÀ[s Depe& kesÀuesle. Hejbleg keÀe³eÐee®³ee keÀuece 36(1) vegmeej , DeeHeu³eeuee HeÀkeÌle HetJe& mecceleer®es DeefOekeÀej Deensle, keÀe³eexllej cebpetjer®es veenerle cnCetve Oecee&oe³e Dee³egkeÌleebveer ns Depe& Deceev³e kesÀues nesles. l³eeefJeªOo ¿ee oesvner mebmLeebveer kesÀuesu³ee efjì ³eeef®ekeÀe G®®e v³ee³eeue³ee®es v³ee. efJepe³e [eiee ³eebveer DeefuekeÀ[s®e HesÀìeUu³eele. HeefjCeeceer oesvner mebmLeeb®es peceerve J³eJenej JewOeeefvekeÀ cebpetjerefJevee®e jeefnues Deensle. HetJe& mecceleer efJevee kesÀuesues Demes J³eJenej mJeleëntve jÎ keÀjC³ee®es DeefOekeÀej keÀe³eÐeeves Oecee&oe³e Dee³egkeÌleebvee efouesues veenerle. lemes®e DeMee J³eJenejeb®e vescekesÀ keÀe³eosMeerj HeefjCeece keÀe³e efkebÀJee les keÀjCeeN³ee efJeMJemleebJej lJejerle keÀejJeeF& keÀe³e kesÀueer peeT MekeÀles. ³eemebyebOeele keÀe³eÐeele megmHe<ì lejleto vemeu³eeves mebbefoiOelee Deens. veeefMekeÀ®³ee mebmLesves efJekeÀemekeÀeyejesyej kesÀuesuee keÀjejveecee veeWoJetve IesC³eeme og³³ece efveyebOekeÀebveer vekeÀej efouee Je je<ì^Yee<ee meYes®³ee Deewjbieeyeeo ³esLeerue peeiesJej J³eJenejevegmeej yeebOeuesu³ee veJ³ee Fceejleerme yeebOekeÀece Hetle&lee oeKeuee osC³eeme Deewjbieeyeeo ceneHeeefuekesÀves vekeÀej efouee. ³eeJeªve Oecee&oe³e Dee³egkeÌleeb®³ee HetJe& mecceleer DeYeeJeer ³ee oesvner mebmLeeb®es J³eJenej De[®eCeerle Deeues Deensle. ³ee J³eJenejele efJekeÀemekeÀe®es efnle kesÀu³ee®ee DeejesHe Peeu³eeves He´keÀjCe Gpes[ele Deeues Deens. veeWoCeerke=Àle mebmLesme Oecee&oe³e Dee³egkeÌleeb®eer HetJe& mecceleer mebmLes®³ee ceeuecellesmebyebOeeleerue J³eJenejeyeeyele HetJe& Deì Deens. ceie efkeÀleerner meodnslet efkeÀbJee leele[er®ee GÎsMe Je J³eJenejkeÀlee& efkeÀleerner ceesþe veslee Demeuee, lejer Heg{s peeCes Oeeske̳ee®es þjles. Je mebyebOeerle efJeMJemleebefJeªOo SKeeÐee efJeMJemleeves kesÀuesu³ee leke´Àejerveblej mebmLesme Peeuesu³ee vegkeÀmeeveer mebyebOeele keÀejJeeF& Ie[t MekeÀles. cnCetve mebyebOeerle keÀe³eÐee®eer HetjsHetj ceeefnleer Del³eeJeM³ekeÀ þjueer Deens. keÀe³eÐee®es De%eeve ns keÀejCe nesT MekeÀle veener.

cee

ns ef[meWyej 2008 ®³ee ceeefmekeÀ `efJeMJemle'®³ee DebkeÀele Jejerue yeeleceer owefvekeÀ ueeskeÀmelles®³ee 14 veesJnWyej®³ee yeeleceerJej DeeOeeefjle Deens. l³eeleerue cegK³e lelJe cnCepes

keÀe³eÐeeuee ie=nerle Oejlee ³esle veener ns Deens. ns ue#eele Deeu³eeJej ceepeer Oecee&oe³e GHe Dee³egkeÌle Þeer. je. He´. jCeefoJes ³eeb®³ee J³eemebieHetCe& Jee®eveeletve ¿ee He´keÀej®³ee Jesieȳee kesÀmesme l³eeb®³ee vepejsle Deeu³ee Deensle.

Bores are of two classes - those who have their own particular subject, and those who do not need a subject.

49

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

l³eeyeeyele l³eebveer efJeMJemle ceO³es 1989 meeue®³ee cegbyeF& G®®e v³ee³eeue³ee®³ee efveCe&³ee®ee efJe®eej keÀ©ve SkeÀ uesKe HeeþefJeuee. lees uesKe Deecner Lesì Jee®ekeÀebHe³e¥le Heesn®eefJele Deenesle.

1952 meeueer keÀe³eÐeeleerue lejletoer v³eemeebvee ueeiet kesÀu³ee lesJneHeemetve mLeeJej efceUkeÀleer®es J³eJenejebJej Oecee&oe³e Dee³egkeÌle ³eeb®es efve³eb$eCe Deens. keÀesCel³eener mLeeJej efceUkeÀleer®eer efJeke´Àer, oeve, Deoueeyeoue Je ieneCe Je Meslepeceerve one Je<ee¥Hes#ee peemle cegoleermeeþer Je efyeiejMesleer®eer peceerve 3 Je<ee¥Hes#ee peemlecegoleermeeþer Yee[s Heìîeebveer osCes. DeMee J³eJenejebmeeþer Oecee&oe³e Dee³egkeÌle ³eeb®³ee HetJe& HejJeeveieer®eer iejpe yebOevekeÀejkeÀ Deens. HetJe& HejJeeveieerefMeJee³e J³eJenej keÀe³eosMeerj Oejuee peeCeej veener DeMeer lejleto 1952 Heemetve Deens. `efJeMJemle v³eeme efveefce&leer®es omleSsJepeeme DeOeerve Oeªve' Demes Meyo (Subject to directions contained in the instruments of trust )(³ee uesKeele Fvmì^gcebsì Dee@HeÀ ì^mì efkeÀJee cejeþerle efJeMJemle J³eJemLee efveceealeer®es omleeJespe cnCepes v³eemee®eer Ieìvee efkebÀJee ì^mì®eer keÀe@vmìerì³egMeve ³ee DeLee&ves I³eeJeer) ef[meWyej 1960 DeKesjHe³e¥le nesles. veblej keÀe³eÐeele keÀener ogªml³ee kesÀu³ee Je keÀuece 36 ceOeerue Jej veceto kesÀuesu³ee Meyoeb®³ee peeieer "Notwithstanding anything contained in the instrument of trust" ³ee Meyoeb®ee meceeJesMe kesÀuee. ³ee®ee DeLe& efJeMJemle v³eeme efveefce&leer®³ee omleSsJepeele (mebmLes®³ee Ieìvesles) keÀenerner Demeues lejer DeMee leNns®es ceeuecellee Kejsoer efJeke´Àer®es J³eJenej Oecee&oe³e Dee³egkeÌleeb®es HetJe& HejJeeveieerefMeJee³e keÀe³eosMeerj þjCeej veenerle. ner ogªmleer 1 peevesJeejer

1961 Heemetve ueeiet keÀjC³eele Deeueer Deens.

Jejerue mebyebOeeleuee efveJee[e ceneje<ì^ uee@ peve&ue He=<þ 1048/1989 ³eele He´efmeOo kesÀuee Deens.

Oecee&oe³e Dee³egkeÌle ceneje<ì^ jep³e cegbyeF& efJeªOo MeebleerosJeer ueeue®ebo íieveueeue HeÀew[WMeve ì^mì Demes He#ekeÀej Demeuesu³ee He´keÀjCee®ee efvekeÀeue cegbyeF& G®®e v³ee³eeue³eeves (Heefnues DeHeerue ke´À.532/1989) efoveebkeÀ 15/9/1989 jespeer v³ee.Oecee&oeefOekeÀejer meer.Sme.Je efìHeCeerme Jner.Heer.³eeb®³ee Keb[Heerþeves efouee.

MeebleerosJeer ueeue®ebo íieveueeue HeÀew[WMeve ì^mì ³ee v³eemee®³ee efJeMJemleebveer efJeMJemle J³eJemLes®³ee efoveebkeÀ 28/4/1979 ®³ee omleeSsJepeeleerue lejletoerle (Ieìves®³ee) keÀener ogªml³ee keÀjlee ³eeJ³eele ³eemeeþer v³ee³eeue³ee®eer iejpe Yeemeu³eeves SkeÀ efoJeeCeer oeJee cegbyeF& meeJe&peefvekeÀ v³eeme DeefOeefve³eceeleerue keÀuece 50 He´ceeCes cegbyeF& Menj efoJeeCeer v³ee³eeue³eele oeKeue kesÀuee neslee. l³eele DeeCeKeerner SkeÀe cenlJee®³ee yeeyeeRJej v³ee³eeue³ee®ee efveCe&³e ceeefieleuee neslee. yeesjerJeueer leeuegke̳eeleerue efMebHeesueer ³esLeerue peceerveer®ee efJekeÀeme keÀjCes, YetF&Yee[îeeves osCes Jeiewjs J³eJenejebvee v³ee³eeue³eekeÀ[tve DeeosMe JneJesle DeMeer ceeieCeer nesleer. efoveebkeÀ 15 petve 1988 jespeer kesÀuesu³ee keÀjejveec³eeuee cebpetjer pej efoJeeCeer v³ee³eeue³eeves efoueer lej Oecee&oe³e Dee³egkeÌleeb®eer mJeleb$e HejJeeveieer mLeeJej efceUkeÀleer®es leyeeoerue keÀjC³ee®es J³eJenejeme DeeJeM³ekeÀ veener, Demesner meoj oeJ³eele (efoJeeCeer oeJee ke´ÀceebkeÀ 7436/1988) veceto kesÀues nesles.

Oecee&oe³e Dee³egkeÌle ³eebveer meoj ceeieCeerme mekeÌle efJejesOe kesÀuee. mLeeJej efceUkeÀle leyeeoerue keÀjC³eeHetJeea Oecee&oe³e Dee³egkeÌle ³eeb®eer HetJe& HejJeeveieer IesCes keÀe³eÐeeHe´ceeCes

Half the ills of mankind are due to ignorance, the other half arise from egotism.

50

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

efJeMJemleebJej yebOevekeÀejkeÀ Deensle. Je meoj yeeyeleerle Oecee&oe³e Dee³egkeÌle ³eebvee SkeÀcesJe (Exclusive Jurisdiction) DeefOekeÀejkeÀ#ee Deens.. oesvner He#ekeÀejeb®es cnCeCes SsketÀve efoveebkeÀ 17/2/1989 jespeer oeJee efJeMJemleeb®³ee yeepetves cebpetj kesÀuee. l³eeJej Oecee&oe³e Dee³egkeÌleebleHexÀ G®®e v³ee³eeue³eele kesÀuesu³ee DeHeerueeJej v³ee³eeue³ee®es efveoMe&veeme Deeues keÀer, omleeSsJepeele (v³eemee®³ee Ieìvesle) mLeeJej efceUkeÀleer®es nkeÌkeÀ leyeeoerue keÀjC³eemebyebOeer lejleto HegjsMeer nesleer. Je v³ee³eeue³eekeÀ[s l³eemeeþer OeeJe IesC³ee®eer iejpe veJnleer lemes®e mLeeJej efceUkeÀleermebyebOeer DeeosMe osC³ee®es v³ee³eeue³ee®es pes DeefOekeÀej keÀe³eÐee®es keÀuece 50 ceO³es

DebleYet&le Deensle l³eecegUs Oecee&oe³e Dee³egkeÌleeb®es keÀuece 36 ceOeerue DeefOekeÀejebvee yeeOee ³esle veener. mLeeJej efceUkeÀleer®es J³eJenejeme JewOelee efceUCes ns cenlJee®es lelJe l³eele Deens. DeeCeKeer cenlJee®³ee cegÐeeJejner G®®e v³ee³eeue³eeves efveCe&³e efouee. lees cnCepes efJeMJemleebleHexÀ Demes cnCeCes nesleer keÀer, mene³ekeÀ Oecee&oe³e Dee³egkeÌleebveer oeJee oeKeue keÀjC³eeme mecebleer efoueer Demeu³eeves, Oecee&oe³e Dee³egkeÌleebvee efJejesOe keÀjlee ³esle veener. meoj®ee oeJee HesÀìeUuee iesuee.

SkebÀojerle keÀesCeeueener keÀe³eÐeeuee ie=nerle Oejlee ³esle veener.

- je.He´.jCeefoJes ceepeer Oecee&oe³e GHee³egkeÌle.&

Jee{efoJemeeb®³ee neefo&keÀ MegYes®íe ! efJeMJemle HeefjJeejeleerue p³es<þ menkeÀejer, efce$e, meKee, lelJe%e Je ceeie&oMe&keÀ J³eefkeÌlecelJee®es Þeer. pes.yeer.þeketÀj meensye n³eeb®ee ³esl³ee ceefnv³eele 14 peevesJeejer, 2009 jespeer 68 Jee Jee{efoJeme meepeje keÀ©ve 69 J³ee Je<ee&le HeoeHe&Ce keÀjerle Deensle. efJeMJemle ®³ee men³eesieer mebHeeokeÀ Heoeuee DeeHeu³ee keÀe³ee&ves MeesefYeJeble keÀjCeejs Þeer þeketÀj meensye ³eeb®es Deecner efJeMJemle HeefjJeejeleerue meJe& menkeÀejer DeefYe<ì ef®ebleve keÀjlees. ³ee SkeÀcesJeeefÜefle³e keÀe³ee&le l³eeb®³ee ³eesieoevee®eer Deecner keÀoj keÀjlees. Þeer. þeketÀj meensye ³eebvee efvejesieer, cevemJeemL³eemen Gob[ Dee³eg<³e ueeYees Je l³eeb®ee J³eemebie He´®eb[ Jee{es, efn®e Deece®eer F&Me®ejCeer He´eLe&vee.

PEOPLE WHO ARE NICE AS YOU ARE GREAT TO BE RELATED TO !

Þeer. pes.yeer.þeketÀj

MegYes®ígkeÀ ceveesnj efMe. FbieUs, mebHeeokeÀ Je He´keÀeMekeÀ. mebke´ÀceCe HeefyuekesÀMevme DeBv[ keÀvmeuìbìmed

The highest reward for man's toil is not what he gets for it but what he becomes by it.

51

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

Dee³ekeÀj-HeefjieCeve Demes keÀjeJes

ye

DeeefLe&keÀ Je<e& ë 2008-09 ( DeekeÀejCeer Je<e& ë 2009-10)

ngleskeÀ efJeMJemle v³eemee®³ee Je mebmLeeb®³ee Jeleerves MeeUe, keÀefve<þ ceneefJeÐeeue³es, ceneefJeÐeeue³es Je efJeefJeOe Mew#eefCekeÀ mebmLeeb®es me®eeueve keÀjC³eele ³esles. l³eeHewkeÀer Menjer Je veeiejer Yeeieeleerue DeMee Mew#eefCekeÀ mebmLeebceOeerue efMe#ekeÀ Je efMe#ekesÀlej keÀce&®eeN³eebvee l³eebvee efceUCeeN³ee Jesleve Je Yel³eebJej ojJe<eea Dee³ekeÀj YejCes Del³eeJeM³ekeÀ Deens. ie´eefceCe Yeeieele ns keÀece keÀjleebvee cegK³eebvee Je mebyebOeerle efueefHekeÀebvee Dee³ekeÀje®es HeefjieCeve keÀmes keÀjeJes ³eele De[®eCeer ³esleele. cnCetve efJeMJemle®es J³eJemLeeHeefkeÀ³e mebHeeokeÀ Þeer. jepeWê meesveJeCes ³eebveer meoj®eer ceeefnleer He´efmeOoer keÀjerlee efoueer Deens. l³ee ceeefnleerJe©ve Dee³ekeÀje®es HeefjieCeve keÀmes keÀjeJes ³ee®ee yeesOe meJe& mebyebOeerleebvee nesT MekesÀue. meoj®ee Dee³ekeÀj HeefjieCeve lekeÌlee efJelle efJeOes³ekeÀe®³ee lejletoervegmeej DeeefLe&keÀ Je<e& 2008-09 meeþer Demetve l³ee DeeOeejs pes Dee³ekeÀje®es efJeJejCe He$ekeÀ (efjìve&) oeKeue keÀjeJe³ee®es Deens l³ee®³ee DeekeÀejCeer ®es Je<e& 2009-10 Demes Demesue.

1.

2.

3.

4.

5.

6.

7.

8.

Dee³ekeÀj-HeefjieCeve DeeefLe&keÀ Je<e& ë 2008-09 ( DeekeÀejCeer Je<e& ë 2009-10)

SkegÀCe GlHevve (cee®e& 2008 les HesÀye´g.09 ceOeerue SkegÀCe Jesleve Je Yelles keÀce&®eeN³eebvee He´eHle Peeuesu³ee) Jepee ë (C.A., TSA, W.C., LTA, HPL) ®eer Jemetueer Fl³eeoer) efMeuuekeÀ (Deveg.ke´À. 1 - 2 )

J³eJemee³e keÀj (Profession Tax) efMeuuekeÀ ( 3 - 4 ) ie=nkeÀpee&Jejerue J³eepe (keÀceeue ©.1,50,000)

(1 DesefHe´ue 1999 HetJeea®es keÀpe& Demeu³eeme keÀceeue ©He³es 30,000/-) efMeuuekeÀ ( 5 - 6 ) cesef[keÌuesce (keÀceeue ©He³es 15,000), (DeHebie/ DeJeuebefyele DeHebie/ J³eefkeÌlebmeeþer Ke®e&, DeeF& /Je[erue/Jeefj<þ veeiejerkeÀ Demeu³eeme ©He³es 20,000)

9. efMeuuekeÀ 10. He´ceeefCele JepeeJeì (Heg©<e 1,50,000 pej ceefnuee Demesue lej ©He³es 1,80,000)

11. efMeuuekeÀ ( 9 - 10 ) 12. ieen³e-iegbleJeCetkeÀ - 80C Debleie&le keÀceeue ©He³es 1,00,000 (NCPF, LIC, NSC, ULIP, ie=nkeÀpe& cegÎue, osCei³ee, ì³egMeve HeÀer, yee@v[med Fl³eeoer) 13. efMeuuekeÀ ( 11 - 12 ) keÀj³eesi³e GlHevve (Taxable Income) 14. Dee³ekeÀj (Deveg.ke´À. 13 Jejerue efMeuuekeÀ jkeÌkeÀcesJej *

*Heg©<e ©He³es 1,50,000 He³e¥le 10 ìkeÌkesÀ, Je l³eeHeg{erue ©He³es 2,00,000 He³eb&le 20 ìkeÌkesÀ.

*ceefnuee ©He³es 1,20,000 He³e¥le 10 ìkeÌkesÀ, Je l³eeHeg{erue ©He³es 2,00,000 He³eb&le 20 ìkeÌkesÀ.

15. Sp³egkesÀMeve mesme ( Deveg.ke´À. 14 Jejerue jkeÌkeÀcesJej 3 ìkeÌkesÀ) 16. SkegÀCe Dee³ekeÀj (YejeJe³ee®ee ë Deveg.ke´À 14 + 15)

©. ....................

©. ©. ©. ©. ©.

.................... .................... .................... .................... ....................

©. .................... ©. .................... ©. .................... ©. .................... ©. .................... ©. .................... ©. .................... ©. .................... ©. ....................

- ceveesnj FbieUs

If all the flowers which blossom should become fruit, there would be no room on the Earth for them.

52

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

[e@.Sme.Sue.JeeIeceejs ³eeb®ee Heefj®e³e

[e@. JeeIeceejs ns ceneje<ì^ Deejesi³emesJesle 1978 Heemetve ces[erkeÀue Dee@HeÀermej cnCetve ©pet Peeuesle, lelHetJee&r l³eebveer Deewjbieeyeeo®³ee MeemeefkeÀ³e JewÐeefkeÀ³e ceneefJeÐeeue³eeletve Sce.[er.(cesef[meerve) ®eer HeoJeer ®eeieu³ee iegCeebveer He´eHle kesÀueer. l³eeveblej l³eebveer ef[.ìer.meer.[er. ner HeoefJekeÀe OeejCe kesÀueer. DeeHeu³ee keÀe³e&kegÀMeueles®³ee peesjeJej l³eebveer DeveskeÀ Gllece DeefYeHe´e³e Meemeve les pevelee Je ueeskeÀHe´efleefveOeerkeÀ[tve efceUefJeues. 1993 Heemetve les 2003 He³e¥le l³eebveer þeCes meeceev³e ©iCeeue³eele efYe<ekeÀ (efHeÀefpeefMe³eve) cnCetve GuuesKeveer³e keÀeceefiejer yepeeJeueer. l³eeveblej l³eebvee efpeune Meu³e ef®eefkeÀlmekeÀ (ef[mì^erkeÌì efmeJnerue mepe&ve) ®³ee HeoeJej Heoesvvele keÀjC³eele Deeues. l³eebveer Jee[e ³esLeerue ie´eefceCe ©iCeeue³ee®ee keÀe³eeHeeueì kesÀuee. Je meÐee les Gunemeveiej ³esLeerue ceO³eJeleea ©iCeeue³ee®es les JewÐeefkeÀ³e DeefOe#ekeÀ cnCetve keÀece keÀjleele Je ³ee ©iCeeue³eeuee osefKeue l³eebveer ke´ÀceebkeÀ 1 ®ee opee& DeeHeu³ee mesJeeYeeJeer Je cesnveleerves efceUJetve efouee Deens. l³eebveer DecesefjkesÀleerue HeÀueesjer[e meeTLe ³egefveJnmeeaìer ceO³es Yeejlee®es He´efleefveOeerlJe kesÀues Je l³ee efþkeÀeCe®³ee mesefceveej ceO³es Yeejlee®³ee ie´eefceCe Yeeieele S®e.Dee³e.Jner / S[me Jej He´efleyebOeelcekeÀ GHee³eeJej MeesOe efveyebOe Jee®euee. l³eebveer MeemekeÀer³e mesJesle Demetve osefKeue DeefleMe³e mesJeeYeeJeer, keÀle&J³eo#e Je ng<eej JewÐekeÀer³e DeefOekeÀejer cnCetve veeJeueewkeÀerkeÀ keÀceJeuee Deens. les efJeMJemle®³ee mebHeeokeÀ ceb[Ue®es mevceeveveer³e meom³e Demetve, l³eebveer ³ee DebkeÀemeeþer DeY³eemeHetCe& Demee `meceleesue DeenejeJej' uesKe efuentve p³ee mebmLee JewÐeefkeÀ³e #es$eele keÀe³e&jle Deensle, lemes®e p³ee ye®ele ieìebvee Hees<ekeÀ Deenej HegjefJeC³ee®eer kebÀ$eeìs efceUeueer Deensle l³eeb®³ee meeþer DeefleMe³e yeesOeHe´o Je GHe³eesieer Demes uesKeve [e@. JeeIeceejs ³eebveer ceeP³ee efJevebbleerme ceeve osTve kesÀu³ee yeÎue ceer l³eeb®ee DeeYeejer Deens. ceveesnj FbieUs mebHeeokeÀ

Golden opportunities are nothing to laziness, but industry makes the commonest chances Golden.

53

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

ow

meceleesue Deenej

vebefove Deenejele efJeefJeOe DevveHeoeLee&®ee ³eesi³e He´ceeCeele meceeJesMe keÀjCes DeeJeM³ekeÀ Demeles. keÀejCe ³ee DevveHeoeLee&le Demeuesu³ee Hees<ekeÀ IeìkeÀebceeHe&Àle Mejerje®eer efvejefvejeUer keÀe³ex ³eesi³eefjleerves nesC³eemeeþer Deenej meceleesue DemeCes DeeJeM³ekeÀ Demeles. meceleesue Deeneje®eer J³eeK³ee p³ee Deenejele efJeefJeOe Devve HeoeLee¥®ee meceeJesMe Demetve Mejerjeuee DeeJeM³ekeÀ DemeCeejs meJe& Hees<ekeÀ IeìkeÀ ³eesi³e l³ee He´ceeCeele efceUleele l³ee Deenejeuee `meceleesue Deenej` Demes cnCeleele. meceleesue Deenej le³eej keÀjleebvee ue#eele I³eeJe³ee®³ee yeeyeer He´l³eskeÀ J³eefkeÌleuee DeeJeM³ekeÀ DemeCeejs Hees<ekeÀ IeìkeÀ ns l³ee J³eefkeÌle®es Je³e, efuebie MeejerefjkeÀ DeJemLee, keÀecee®es mJeªHe, Fl³eeoer yeeyeeRJej DeJeuebyetve Demeles. lemes®e Deenej HejJe[Ceeje, mLeeefvekeÀ GHeueyOe KeeÐe HeoeLee&Heemetve le³eej kesÀuesuee DemeeJee. meJe& Hees<ekeÀ IeìkeÀ ³eesi³e l³ee He´ceeCeele efceUe³euee Heeefnpesle. ueeskeÀeb®³ee ª{er Je Devve efMepeefJeC³ee®³ee HeOoleervegmeej DeeefCe ueeskeÀebvee ceev³e DemeeJee. ³ee meJe& yeeyeer Deenej le³eej keÀjleebvee ue#eele þsJeCes DeeJeM³ekeÀ Deens. meceleesue DeenejekeÀjerlee DeeJeM³ekeÀ Devveieì Je l³eeHeemetve efceUCeejs Hees<ekeÀ IeìkeÀ KeeueerueHe´ceeCes Deensle.

1) le=CeOeev³es Je Yej[Oeev³es - ³eele leebotU, ient, pJeejer, yeepejer, vee®eCeer Fl³eeoeR®ee meceeJesMe neslees. ³eele keÀyees&okesÀ peemle He´ceeCeele Demeleele. vee®eCeer ³ee Oeev³eele ke@ÀefuMe³ece YejHetj He´ceeCeele Demeles.

2) keÀ[Oeev³es, [eUer, lesueefye³ee, keÀþerCe keÀJe®ee®eer HeÀUs- legj, cegie, ®eCee Fl³eeoer [eUer

Je keÀ[Oeev³eebHeemetve He´efLeves peemle He´ceeCeele efceUleele. lesueefye³ee Je keÀefþCe keÀJe®ee®eer HeÀUs Goe. leerU, MeWieoeCes, yeoece Fl³eeefoHeemetve He´efLeves DeeefCe efmveiOe peemle He´ceeCeele efceUleele. keÀ[Oeev³eebvee cees[ DeeCeu³eeme l³eele peerJevemelJe keÀ le³eej nesles.

3) HeeuesYeep³ee Je Flej Yeep³ee - HeeuesYeep³ee ³eele HeeuekeÀ, cesLeer, MesJei³ee®eer Heeves Fl³eeefo Je Flej Yeep³ee Goe. Jeebieer, keÀesyeer, MeWiee Fl³eeoeR®ee meceeJesMe neslees. ³eeHeemetve peerJevemelJes Je Keefvepes efceUleele.

HeeuesYeep³eebHeemetve peerJevemelJes De,ye,keÀ, Keefvepes ke@ÀefuMe³ece ueesn peemle He´ceeCeele efceUleele.

4) kebÀoYeep³ee- yeìeìs, jleeUer Fl³eeoer ³eele keÀyeexokesÀ Je keÀ peerJevemelJe YejHetj He´ceeCeele Demeleele. ieepejeHeemetve peerJevemelJe De peemle He´ceeCeele efceUles.

5) leepeer Je megkeÀer HeÀUs - Deebyeì jmeeU HeÀUs Goe DeeJeUe, Hes©, efuebyet, Fl³eeoer Heemetve peerJevemelJe keÀ DeeefCe efHeJeUer HeÀUs Goe. Deebyee, HeHeF&, Heemetve peerJevemelJe De YejHetj He´ceeCeele efceUles. megkeÀer HeÀUs Goe. cevegkeÀe, Kepegj ³eeHeemetve ueesn DeeefCe G<ceebkeÀ YejHetj He´ceeCeele efceUleele.

6) lesue, legHe, meeKej, ietU - lesue, legHe, ueesCeer ³ee Heemetve efmveiOes YejHetj He´ceeCeele efceUleele, peerJevemelJe De efceUles DeeefCe meeKej Je iegU ³eeHeemetve keÀyeexokesÀ YejHetj He´ceeCeele efceUleele. iegUeHeemetve ueesn ns Keefvepe megOoe efceUles.

7) otOe, ogOee®es HeoeLe& - ³ee HeoeLee&le G®®e opee&®eer He´efLeves Demeleele. peerJevemelJe keÀ DeeefCe ueesn J³eefleefjkeÌle meJe& Hees<ekeÀ IeìkeÀ efceUleele.

8) ceebme, ceemes, Deb[er - ³ee HeoeLee&Heemetve Glke=À<ì opee&®eer

He who has injured thee was either stronger or weaker. If weaker, spare him. If stronger, spare yourself.

54

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

He´efLeves efceUleele. ueneve ceeM³eebHeemetve ke@ÀefuMe³ece peemle He´ceeCeele efceUles. Deb[îeele peerJevemelJe keÀ DeeefCe keÀyeexokeÀebJ³eefleefjkeÌle meJe& Hees<ekeÀ IeìkeÀ Demeleele.

Jejerue Deeþ ieìeb®es Hees<ekeÀ IeìkeÀ ue#eele IesTve Fbef[³eve keÀewefvmeue Dee@HeÀ cesef[keÀue efjme®e&ves KeeueerueHe´ceeCes 5 ieìele JeieeakeÀjCe kesÀues Deens.

1)le=CeOeev³e, 2)[eUer, keÀ[Oeev³e, lesueefye³ee, keÀþerCe keÀJe®ee®eer HeÀUs 3)otOe, ogOee®es HeoeLe&, ceebme, ceemes, Deb[er 4)Yeep³ee Je HeÀUs 5)efmveiOe HeoeLe& Je meeKej De) ieYe&Jeleer m$eer Je mleveoe ceeleskeÀefjlee meceleesue Deenej ö meJe&meeOeejCe DeJemLesHes#ee Hees<eCee®³ee ¢ef<ìves ieYe&Jeleer Je mleveoeceeles®³ee DeenejekeÀ[s efJeMes<e ue#e osC³ee®eer iejpe Demeles. ieYe&OeejCee Peeu³eeveblej ieYee&®³ee ³eesi³e Jee{erkeÀefjlee DeeJeM³ekeÀ meJe& Hees<ekeÀ IeìkeÀ ceeleskeÀ[tve®e HegjefJeues peele ieYe&Jeleer ðeermeeþer meceleesue leHeefMeue

G<ceebkeÀ efkeÀuees ke@Àuejer 2225

meeOeejCe m$eer®eer vesnceer®eer iejpe ieYee&JemLesleerue 300 DeefleefjkeÌle iejpe SketÀCe iejpe 2525 Deenejele le=CeOeev³es, I³eeJe³ee®es meeKej, lesue, HeoeLe& legHe

Demeleele. ³ee®e keÀeUele ceeles®³ee Mejerleele efJeefJeOe yeoue nesle Demeleele pemes ieYee&Me³ee®eer Jee{, mleveeb®eer Jee{, jkeÌlee®³ee He´ceeCeele nesCeejer Jee{ Fl³eeefo, l³eecegUs ³ee keÀeUele ieYe&Jeleer ðeeruee vesnceerHes#ee peemle Deeneje®eer iejpe Demeles. ceeles®ee Deenej DeHegje Demeu³eeme ieYe&Heele, DeHegN³ee efoJemee®es yeeUbleHeCe, keÀceer Jepevee®es DeYe&keÀ, GHepele ce=l³et Fl³eeefo OeeskesÀ ieYee&®³ee yeeyeleerle mebYeJeleele. jkeÌle#e³e, yeeUbleHeCeele $eeme, ceelee ce=l³eg Fl³eeoer OeeskesÀ ceeles®³ee meboYee&le mebYeJeleele. cnCetve ieYee&JemLesle oesIeeb®³eener ³eesi³e Hees<eCeekeÀefjlee ceeles®³ee Deenejeuee Devev³e meeOeejCe cenlJe Deens. ieYee&JemLesle GueìîeebcegUs SkeÀe®e JesUer HetCe& pesJeCe nesle vemeu³eeves ieYe&Jeleerves Deenej efoJemeYebjele 4-5 JesUe efJeYeeietve I³eeJee. Deenejeleerue Hees<ekeÀ IeìkeÀ

He´efLeves ie´@ce

ueesn efceueerie´@ ce

ke@ÀefuMe³ece efceueerie´@ce

HeÀe@ueerkeÀ De@efme[ cee³eke´Àesie´@ce 100

peerJevemelJe keÀ efceueerie´@ce

400

peerJevemelJe De ke@Àjesìerve cee³eke´Àesie´@ce 2400

50

30

15

8

600

--

300

--

65 38 1000 2400 400 HeeuesYeep³ee, HeeuesYeep³ee, HeeuesYeep³ee, HeeuesYeep³ee, [eUer, keÀ[Oeev³es, iegU, megkeÀer otOe, efHeJeUer HeÀUs ceebmeenejer HeÀUs, vee®eCeer, ieepej, otOe, HeoeLe& lesueefye³ee, He´eefCepeHeoeLe&, [eUer, íesìs ceemes He´eefCepe HeoeLe& otOe, ceebme, He´eefCepe ceemes, Deb[er HeoeLe&

Success is the child of two very plain parents - punctuality and accuracy.

40

40 Deebyeì, jmeeU HeÀUs, DeeJeUe, Hes© , HeeuesYeep³ee, cees[ Deeuesueer keÀ[Oeev³es

55

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009 ieYe&Jeleer ðeermeeþer meceleesue Deenejeleerue DevveHeoeLe& (ie´@ce) leHeefMeue

meeOeejCe m$eer®eer vesnceer®eer iejpe ieYee&JemLesleerue DeefleefjkeÌle iejpe SketÀCe iejpe

le=CeOeev³es

[eUer

HeeuesYeep³ee

kebÀo Yeep³ee 50

otOe

lesue

meeKej

100

Flej Yeep³ee 40

440

45

150

25

20

35

15

--

--

--

100

--

10

475

60

100

40

50

250

25

30

ieYe&Jeleer m$eer³eebkeÀefjlee DeefleefjkeÌle Deenej

‡ vesnceer DeenejeHes#ee DeOeea YeekeÀj efkebÀJee SkeÀ HeesUer efkebÀJee SkeÀ Jeeìer Yeele, lemes®e HeeTCe Jeeìer IeÆ JejCe efkebÀJee GmeU DeeefCe HeeTCe keÀHe otOe. ‡ Deenejele YejHetj HeeuesYeep³ee Je ceesmeceer HeÀUeb®ee meceeJesMe keÀjeJee. ‡ SkeÀe®e JesUer peemle Deenej ve Ieslee Deenej efoJemeYejele efJeYeeietve I³eeJee. ‡ ieYe&Jeleeruee mekeÀeUer Gueìîeeb®ee $eeme nesle Demesue lej efleves mekeÀeUer keÀesj[e Deenej I³eeJee Goe. YeekeÀjer, Heesns Fl³eeoer.

ye) mleveoe ceeles®ee meceleesue Deenej - yeeU pevceeuee Deeu³eeJej l³ee®es Hees<eCe HetCe&HeCes ceeles®³ee ogOeeJej®e nesles. ieYee&JemLesHes#ee mleveoe ceeles®³ee Hees<eenej efJe<e³ekeÀ iejpee DeefOekeÀ Demeleele. Jesieeves Jee{CeeN³ee yeeUe®³ee Hees<eCeekeÀefjlee otOe efveefce&leerkeÀefjlee, yeeUbleHeCee®³ee JesUer efle®³ee Mejerje®eer Peeuesueer Peerpe Yeªve keÀe{C³eekeÀefjlee Je mJeleë®es kegÀHees<eCe ìeUC³eekeÀefjlee mleveoe ceeles®³ee DeenejekeÀ[s efJeMes<e ue#e osCes iejpes®es Demeles.

mleveoe ceeles®³ee meceleesue Deenejeleerue Hees<ekeÀ IeìkeÀ Je³eesieì

G<ceebkeÀ efkeÀuees ke@Àuejer

meeOeejCe m$eer®eer 2225 vesnceer®eer iejpe mleveoe ceeles®eer 550 DeefleefjkeÌle iejpe SketÀCe iejpe 2775 Deenejele le=CeOeev³es, I³eeJe³ee®es meeKej, lesue, HeoeLe& legHe

He´efLeves ie´@ce

ueesn efceueerie´@ce

ke@ÀefuMe³ece efceueerie´@ce

HeÀe@ueerkeÀ De@efme[ cee³eke´Àesie´@ce 100

peerJevemelJe keÀ efceueerie´@ce

400

peerJevemelJe De ke@Àjesìerve cee³eke´Àesie´@ce 2400

50

30

25

--

600

1400

50

40

75 [eUer, keÀ[Oeev³es, lesueefye³ee, He´eefCepeHeoeLe&, otOe, ceebme, ceemes, Deb[er

30 HeeuesYeep³ee, iegU, megkeÀer HeÀUs, [eUer, He´eefCepe HeoeLe&

1000 HeeuesYeep³ee, otOe, vee®eCeer, íesìs ceemes

3800 HeeuesYeep³ee, efHeJeUer HeÀUs ieepej, otOe, He´eefCepe HeoeLe&

150 HeeuesYeep³ee, ceebmeenejer HeoeLe&

40

80 Deebyeì, jmeeU HeÀUs, DeeJeUe, Hes©, HeeuesYeep³ee, cees[ Deeuesueer keÀ[Oeev³es

It is possible to escape other enemies, but you cannot fly from the relentless pursuit of your own evil deed.

56

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009 mleveoe ceeles®³ee meceleesue Deenejeleerue DevveHeoeLe& (ie´@ce)

meeOeejCe m$eer®eer vesnceer®eer iejpe mleveoe ceeles®eer DeefleefjkeÌle iejpe (0 les 6 ceefnves) SketÀCe iejpe

le=CeOeev³es

[eUer

HeeuesYeep³ee

kebÀo Yeep³ee 50

otOe

lesue

meeKej

100

Flej Yeep³ee 40

440

45

150

25

20

60

30

--

--

--

100

10

10

500

75

100

40

50

250

35

30

mleveoe ceeleskeÀefjlee DeefleefjkeÌle Deenej vesnceer®³ee DeenejeHes#ee 1 YeekeÀjer efkebÀJee efo[ HeesUer efkebÀJee efo[ Jeeìer Yeele, lemes®e efo[ Jeeìer IeÆ JejCe efkebÀJee GmeU Je HeeTCe keÀHe otOe peemleer®es I³eeJes. lemes®e Deenejele YejHetj HeeuesYeep³ee Je ceesmeceer HeÀUeb®ee meceeJesMe keÀjeJee. lesue Je legHee®es He´ceeCe Jee{efJeCes DeeJeM³ekeÀ Deens. keÀ) DeYe&keÀebmeeþer Deenej - DeeF&®es otOe ns yeeUe®es Heefnu³ee mene ceefnv³eeleerue SkeÀcesJe Devve nes³e. yeeUbleHeCeeveblej DeeF&uee vesnceermeejKes otOe ³esCeeHetJeea Heefnues oesve leerve efoJeme efHeJeUmej IeÆ otOe ³esles. ³eeuee®e ef®ekeÀogOe (keÀesueesmì^ce) Demes cnCeleele. ef®ekeÀogOee®es HeÀe³eos

‡ ³eele He´efLeves, peerJevemelJe De Je keÀ YejHetj He´ceeCeele Demeleele. ‡ ef®ekeÀotOe Heesìele iesu³eecegUs yeeUe®³ee Deele[îeeb®eer Jee{ HegCe& nesC³eeme ceole nesles. ‡ jesieHe´eflekeÀej MeefkeÌle Jee{les (yeeUe®eer Heefnueer ueme) cnCetve yeeUbleHeCeeveblej ueies®e®e (DeO³ee& leemee®³ee Deele) yeeUeuee DebieeJej Heepee³euee megªJeele keÀjeJeer. ³ee keÀeUele iegUe®es, meeKejs®es HeeCeer, ceOe ³eemeejKes keÀesCelesner HeoeLe& osT ve³es.

mleveHeevee®es HeÀe³eosëyeeUeuee efceUCeejs HeÀe³eos ë1) yeeUe®³ee Jee{erkeÀefjlee DeeJeM³ekeÀ les meJe& Hees<ekeÀ

IeìkeÀ ³eesi³e He´ceeCeele efceUleele.

2) He®eveeme meesHes, ³eesi³e leeHeceeve Demeuesues Je efvepe¥letkeÀ Demeles.

3) otOe Dees{C³ee®³ee efke´À³escegUs yeeUe®³ee peye[îee®es mvee³et yeUkeÀì nesleele.

4) ceelee Je yeeuekeÀele efpeJneȳee®es veeles efvecee&Ce nesles.

5) DeeF&®³ee ogOeeleerue jesieHe´eflekeÀejkeÀ êJ³eebcegUs yeeUe®ee pebletmebmeie& Je efkeÀjkeÀesU DeepeejebHeemetve ye®eeJe neslees (Goe. v³egceesefve³ee, pegueeye F.) 6) DeeF&®³ee ogOeeJej Jee{CeeN³ee cegueeb®eer yeewOoerkeÀ Je ceeveefmekeÀ #ecelee DeefOekeÀ Demeles.

7) YeeJeer Dee³eg<³eele mLeguelee, jkeÌleoeye, Ëo³eefJekeÀej, ceOegcesn ³ee jesieebHeemetve mebj#eCe efceUles.

8) yeeuece=l³et Je Deepeeje®es He´ceeCe keÀceer nesles. ceelesuee efceUCeejs HeÀe³eos 1) ieYe&OeejCee ìeUC³eeme ceole nesles. (³eeJej efJemebyetve ve jnelee mene DeeþJe[îeeveblej JewÐekeÀer³e meuuee DeeJeM³ekeÀ Demelees) 2) mleveHeeveecegUs ceeles®es ieYee&Me³e HetJe&efmLeleerle ³esC³eeme ceole nesles.

3) ceeles®ee yeebOee meg[ewue nesC³eeme ceole nesles. (Hegjsmee J³ee³eece Je Deenejeleerue efmveiOe HeoeLee¥®ee DeeflejskeÀ

A good deed is never lost, he who sows courtesy reaps friendship, and he who plants kindness gathers love.

57

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

ìeUCes DeeJeM³ekeÀ.)

4) He´megleerveblej nesCeeje DeefleefjkeÌle jkeÌleðeeJe keÀceer neslees.

5) GleejJe³eeleerue ne[eb®³ee efþmegUHeCeeHeemetve mebj#eCe. 6) mleveeb®ee, ieYee&Me³ee®ee lemes®e Deb[eMe³ee®ee keÀke&Àjesie ìeUlee ³eslees.

7) DeeefLe&keÀ¢<ìîee ye®ele nesles. efMeJee³e mleveHeeve kesÀu³eeves yeeU JeejbJeej Deepeejer He[le veener. l³eecegUs yeeUe®³ee Deew<eOeHeeC³eeJejerue Ke®e& Jee®elees.

Heefnues 6 ceefnves kesÀJeU ceeles®es otOe ÐeeJes. ceeles®³ee ogOeele HeeC³ee®es He´ceeCe 88 ìkeÌkesÀ Demeles l³eecegUs yeeUeuee Heefnu³ee mene ceefnv³eele HeeCeermegOoe osT ve³es. yeeUeuee mleveHeeveemeeþer HekeÀ[C³ee®eer ³eesi³e HeOole mleveHeeveemeeþer yeeUe®eer ³eesi³e efmLeleer ö ‡ ‡ ‡ ‡

yeeUe®es [eskesÀ Je Mejerj SkeÀe js<esle Deens. yeeU HetCe& DeeF&keÀ[s JeUuesues Deens. yeeUe®es HetCe& Mejerj DeeF&uee mHeMe& keÀjerle Deens. yeeUe®³ee mebHetCe& Mejerjeme DeeF&ves DeeOeej efouesuee Deens.

mleveHeeveemeeþer ceeles®eer ³eesi³e efmLeleer ö

‡ mleveHeeve osleevee DeeF&ves J³eJeefmLele ìsketÀve yemeeJes. ‡ ®eej yeesìs Keeue®³ee yeepetme þsJetve (Fbie´peer `meer` DeekeÀejele) mleve G®eueeJee Je Debieþe Jej®³ee yeepetme þsJeeJee. ‡ mleveHeevee®eer meg©Jeele keÀjleevee DeeF&ves mleveeie´eves yeeUe®³ee Jej®³ee Deesþeuee mHeMe& keÀjeJee. ³eecegUs yeeU mleveHeeveeme GlmegkeÀ Demeu³eeme ceesþe `Dee` keÀjlees. DeeF&ves ner mebOeer meeOetve yeeUeuee íeleeruee ueeJeeJes. ‡ mleveHeeve osleevee DeeF&ves yeeUeMeer mebJeeo meeOeeJee.

mleveeJejerue yeeUe®eer ³eesi³e HekeÀ[ö

‡ Keeue®³ee DeesþeHes#ee Jej®³ee Deesþeyeensj peemle keÀeUe Yeeie Deens. ‡ yeeUe®eer nvegJeìer mleveeuee ef®ekeÀìuesueer Deens. ‡ yeeUeves `Dee' Jeemeuesuee Deens. ‡ Keeuee®ee Deesþ yeensj ceg[Heuee Deens.

[) yeeUe®ee HegjkeÀ Deenej- Heefnu³ee mene ceefnv³eeHe³e¥le

DeeF&®³ee ogOeeHeemetve yeeUe®³ee Hees<eCee®eer iejpe HetCe& nesT MekeÀles. Hejbleg l³eeveblej yeeUe®eer Hees<ekeÀ IeìkeÀeb®eer iejpe YeeieefJeC³eekeÀefjlee ceeles®³ee ogOeeyejesyej®e Jej®ee Deenej efkebÀJee HetjkeÀ Deenej megª keÀjeJee ueeielees. ceeles®es otOe megª Demeleebvee®e yeeUe®³ee Deeneje®eer iejpe HetCe& keÀjC³eekeÀefjlee l³eeuee `HetjkeÀ Deenej` megª keÀjeJee ueeielees.

HetjkeÀ Deenej megª kesÀuee lejer ceelesves mleveHeeve megª®e þsJeeJes. yeeUeuee HetjkeÀ Deenej megª keÀjleebvee kegÀmkeÀjuesueer kesÀUer, GkeÀ[tve kegÀmkeÀjuesuee yeìeìe, jleeUer, ieepej Fl³eeoer HeoeLe& ogOeele efcemeUJetve iegU efkebÀJee meeKej ìeketÀve KeeJet IeeueeJes. lemes®e ient, pJeejer, yeepejer, vee®eveer, Fl³eeoer DevveOeev³e 4 Yeeie Je 1 Yeeie ®eCee, cetie Fl³eeoerHewkeÀer keÀesCeleerner SkeÀ [eU ³eeb®es efceÞeCe Yeepetve HeeJe[j le³eej keÀªve otOe DeeefCe iegU efkebÀJee meeKej ìeketÀve yeeUeuee meeOeejCe IeÆ mJeªHeele YejJeeJes. pemes keÀerö 1) meelet - ient, njyeje, [eU, iegU, otOe. 2) v³egefì^Meve efcekeÌme ö ient, pJeejer, cegie[eU, iegU. 3) pJeejer®eer ueeHeMeer - pJeejer, njyeje[eU, MeWieoeCes, iegU. 4) leebogU, cegie [eU, Keerj-leebogU, cegie[eU, iegU. 8 les 11 ceefnves ö ³eele JejCeYeele, ceT efKe®e[er, ogOeele efkebÀJee JejCeele kegÀmkeÀjuesueer YeekeÀjer, ®eHeeleer Fl³eeoer HeoeLe& yeeUeuee oslee ³esF&ue, lemes®e ceebmeenejer HeoeLe& ®eeuele Demeu³eeme, GkeÀ[uesu³ee Deb[îee®ee efHeJeUe yeuekeÀ, ceT efMepeuesues ceebme, ceemes F. ®ee meceeJesMe keÀjlee ³esF&ue. ³ee keÀeUele yeeUeuee efoJemeeletve ®eej JesUe HetjkeÀ Deenej ÐeeJee. 1 Je<ee&®³ee yeeUeves Iejele le³eej nesCeejs meJe& HeoeLe& KeeJesle, Hejbleg peemle efleKeì Je cemeeuesoej HeoeLe& yeeUeuee osT ve³esle.

HetjkeÀ Deenej osleevee Keeueerue cegÎs ue#eele þsJeeJes. ‡ le=CeOeev³e Je keÀ[Oeev³eeb®³ee efceÞeCeeb®³ee HeoeLee¥®ee JeeHej

The excesses of our young are drafts upon our old age, payable with interest, about thirty years after date.

58 ‡ ‡ ‡ ‡

‡ ‡ ‡

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009 1 les 6 Je<ex Je³eesieìeleerue cegueeb®ee meceleesue Deenej (Meeues³eHetJe& Je³eesieì) 1 les 6 Je<ex Je³eesieìeleerue cegueeb®³ee DeenejekeÀ[s efJeMes<e ue#e osCes peªjer®es Demeles. ³ee keÀeUele cegueeb®eer meJee¥efieCe Jee{ Je efJekeÀeme MeejerefjkeÀ lemes®e yeewefOokeÀ Jee{ DeefleMe³e PeHeeìîeeves nesle Demeles. l³eecegUs ³ee Je³eesieìeleerue cegueeb®eer meJe& Hees<ekeÀ IeìkeÀeb®eer iejpe Jee{uesueer Demeles. ³ee iejpee HetCe& keÀjC³eekeÀefjlee cegueebvee meceleesue Deenej osCes DeeJeM³ekeÀ Deens.

DeenejekeÀ[s ogue&#e kesÀu³eeme megkeÀìer, megpeJeìer, `De' peerJevemelJee®³ee DeYeeJeeves ³esCeeje jeleDeebOeUsHeCee, Hees<ekeÀ êJ³eeb®³ee DeYeeJeeves nesCeeje jkeÌle#e³e Fl³eeoer He´keÀej®³ee mecem³ee cegueebceO³es efvecee&Ce nesJet MekeÀleele. mJe³ebHeekeÀele kesÀJeU Dee³ees[erve³egkeÌle ceerþe®ee®e JeeHej keÀjeJee. 1 les 6 Je<ex Je³eesieìeleerue cegueeb®³ee meceleesue Deenejeleerue Hees<ekeÀ IeìkeÀ

keÀjeJee. megªJeeleeruee HeoeLe& Lees[îee He´ceeCeele osTve veblej Jee{l³ee He´ceeCeele ÐeeJes. SkeÀe HeoeLee&®eer meJe³e Peeu³eeveblej ogmeje HeoeLe& megª keÀjeJee. HetjkeÀ Deenej osleevee mJe®í Jeeìer-®ece®³ee®ee JeeHej keÀjeJee. yeeUe®³ee ³eke=Àleele meeOeejCeleë 6 ceefnv³eeHe³e¥le HetjkeÀ FlekeÀe®e ueesne®ee meeþe Demelees. cnCetve®e l³ee®³ee Deenejele ueesn³egkeÌle HeoeLee¥®ee meceeJesMe peªj keÀjeJee. Goe. HeeuesYeep³ee.

SkeÀ Je<ee&®es nesF&He³e¥le yeeUeves HetCe& Deenej IesCes DeHesef#ele Deens. yeepeejele efceUCeejs ueneve cegueeb®es KeeT, HeeJe[j®es [yyes, HetjkeÀ Deenej cnCetve osC³ee®eer iejpe vemeles. yeeUe®³ee yeewefOokeÀ efJekeÀemeekeÀefjlee l³eeuee KeeT Ieeueleevee l³ee®³eeMeer mebJeeo meeOeCes DeeJeM³ekeÀ Demeles.

Je³eesieì

1 les 3 Je<ex 4 les 6 Je<ex Deenejele I³eeJe³ee®es HeoeLe&

G<ceebkeÀ efkeÀuees ke@Àuejer

He´efLeves ie´@ce

2225 50 550 25 le=CeOeev³es, [eUer, meeKej, lesue, keÀ[Oeev³es, legHe lesueefye³ee, He´eefCepeHeoeLe&, otOe, ceebme, ceemes, Deb[er

ueesn efceueerie´@ce

ke@ÀefuMe³ece efceueerie´@ce

30 -HeeuesYeep³ee, iegU, megkeÀer HeÀUs, [eUer, He´eefCepe HeoeLe&

400 600 HeeuesYeep³ee, otOe, vee®eCeer, íesìs ceemes

peerJevemelJe De ke@Àjesìerve cee³eke´Àesie´@ce 2400 1400 HeeuesYeep³ee, efHeJeUer HeÀUs ieepej, otOe, He´eefCepe HeoeLe&

HeÀe@ueerkeÀ De@efme[ cee³eke´Àesie´@ce 100 50 HeeuesYeep³ee, ceebmeenejer HeoeLe&

peerJevemelJe keÀ efceueerie´@ce 40 40 Deebyeì, jmeeU HeÀUs, DeeJeUe, Hes©, HeeuesYeep³ee, cees[ Deeuesueer keÀ[Oeev³es

1 les 6 Je<ex Je³eesieìeleerue cegueeb®ee meceleesue Deenejeleerue HeoeLe& Je³eesieì 1 les 3 Je<ex 4 les 6 Je<ex

le=CeOeev³es ie´@ce

[eUer ie´@ce

HeeuesYeep³ee ie´@ce

440 60

45 30

100 --

Flej Yeep³ee ie´@ce 40 --

kebÀo Yeep³ee ie´@ce 50 --

otOe lesue, legHe ogOee®es HeoeLe& ie´@ce efce.efue.

150 25 100 10

It is bad plan that admits no modification.

meeKej, iegU ie´@ce 20 10

59

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

Meeues³eHetJe& Je³eesieìeleerue cegueeb®³ee Deenejeyeeyele ue#eele I³eeJe³ee®³ee yeeyeer ö 1) cegueebvee Deenejele efJeefJeOelee DeeJe[les.

2) le=CeOeev³e Je keÀ[Oeev³e efceÞeCe Demeuesu³ee HeoeLee¥®ee meceeJesMe keÀjeJee. 3) SkeÀe®eJesUer cegues peemle Deenej IesT MekeÀle vemeu³eeves efoJemeYejele 5-6 JesUe Kee³euee ÐeeJes, 4) DeepeejHeCeele cegueeb®ee Deenej keÀceer keÀª ve³es.

5) cegueebvee peemle efleKeì, lesuekeÀì Je cemeeuesoej HeoeLe& osT ve³es Je meJe& HeoeLe& KeeC³ee®eer meJe³e ueeJeeJeer.

6) cegueebvee KesUkeÀj Je Deeveboer JeeleeJejCeele Kee³euee IeeueeJes. 7)DeebieCeJee[erletve pejer Deenej Iesleuee lejer Iej®ee Deenej osCes peªjer Deens.

6 Je<ee&He³e&le®³ee cegueeb®eer ³eesi³eefjleerves Jee{ nesle Deens efkebÀJee veener ns HeenC³eekeÀefjlee Jepeve IesCes ns cenlJee®es ceespeceeHe Deens.

Je³eesieì Jepeve (efkeÀueesie´@ce) pevceleë 2.8 6 ceefnves 6.0 1 Je<e& 8.0 2 Je<e& 10.0 3 Je<e& 12.0 4 Je<e& 15.0 6 Je<e& 17.0 F)Heewieb[eJemLesleerue cegueeR®ee Deenej Heewieb[eJemLee (10 les 19) Je<ex Je³eesieì ner cegueeR®³ee Dee³eg<³eeleerue DeMeer cenlJee®eer DeJemLee Deens keÀer, ³ee DeJemLesle cegueeR®eer MeejerefjkeÀ Jee{ DeeefCe efJekeÀeme DeefleMe³e PeHeeìîeeves nesle Demeu³eecegUs efle®³ee DeenejekeÀ[s efJeMes<e

ue#e osC³ee®eer iejpe Demeles. l³eekeÀefjlee efle®ee Deenej meceleesue DemeeJee pesCeskeÀªve Deenejele meJe& Hees<ekeÀ IeìkeÀ ³eesi³e He´ceeCeele efceUleerue. l³eecegUs leer efvejesieer Je meg¢{ jeefnue.

Heewieb[eJemLesleerue Deepe®eer cegueieer ner YeefJe<³ekeÀeUeleerue ceelee Deens. DeHel³e pevcee®es JesUer l³eeuee Gllece Deejesi³ee®es Jejoeve efceUCes ns ceeles®³ee Deejesi³eeJej DeJeuebyetve Demeles cnCepes®e ceeles®³ee pevceeHeemetve®e efle®³ee Deejesi³eekeÀ[s DeefOekeÀ ue#e osCes DeeJeM³ekeÀ Deens.

Heewieb[eJemLesle Mejerj Jee{er®ee Jesie peemle Demelees.

MeejerefjkeÀ Jee{ DeeefCe efJekeÀemeeyejesyej®e ³ee keÀeUele ceeveefmekeÀkeÀe³ee&®es He´ceeCe Jee{le Demeles l³eecegUs ³ee keÀeUele Mejerjeuee peemleerle peemle Hees<ekeÀ IeìkeÀeb®eer iejpe Demeles Dev³eLee Mejerje®³ee Jee{ermeeþer DeeJeM³ekeÀ meJe& DevveIeìkeÀ ³eesi³e l³ee He´ceeCeele ve efceUeu³eecegUs l³ee®ee MejerjeJej og<HeefjCeece nesTve jesieHe´eflekeÀejkeÀMeefkeÌle keÀceer nesles DeeefCe kegÀHees<eCe nesTve efvejefvejeUs Deepeej GodYeJeleele.

1) ueesne®³ee keÀcelejlescegUs nesCeeje jkeÌle#e³e (jkeÌle#e³e Heewieb[eJemLesleerue 50… cegueeRceO³es Dee{Utve ³eslees.

2) He´efLeves DeeefCe G<ceebkeÀe®³ee keÀcelejlescegUs DeHegjer JepeveJee{.

3) peerJevemelJe `De' ®³ee keÀcelejlescegUs [esȳeebvee ³esCeeje keÀesj[sHeCee Je DebOelJe. 4) Dee³ees[erve ³ee Keefvepe êJ³ee®³ee keÀcelejlescegUs ieueieb[ lemes®e MeejerefjkeÀ DeeefCe ceeveefmekeÀ DeHebielJe. 5) kegÀHees<eCee®es Flej jesie ö ö Lee³eefceve (ye 1) ®³ee keÀcelejlescegUs yesjeryesjer. ö efjyeesHeÌuesefJeve (ye 2) ®³ee keÀcelejlescegUs leeW[e®eer peUpeU nesCes, leeW[e®³ee keÀ[ebvee Yesiee He[Ces, [esȳeeb®eer Deeie nesCes. ö peerJevemelJe `keÀ' ®³ee DeYeeJeeves mkeÀJnea.

My belief is that to have no wants is Divine. To have as few as possible comes next to the Divine.

Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

60

ö peerJevemelJe `[' ®³ee DeYeeJeeves ceg[otme (efjkesÀìdme ëJee{ Kegbìles, ueebye ne[e®eer ìeskesÀ ©bo nesleele, ueebye ne[ebvee yeekeÀ ³eslees.)

Heewieb[eJemLesle ³eesi³e Hees<eCe Peeues veener lej efle®³eeceO³es kegÀHees<eCe efvecee&Ce nesF&ue DeeefCe l³eecegUs YeeJeer efHe{er kegÀHeesef<ele nesC³ee®eer Meke̳elee veekeÀejlee ³esle veener cnCetve efle®ee meceleesue Deenej KeeueerueHe´ceeCes DemeeJee. De.ke´À.D DevveHeoeLe&

He´ceeCe (ie´@ce)

efMepeuesu³ee Devvee®es He´ceeCe

4 ®eHeel³ee, 2 YeekeÀjer, 2 Jeeìîee Yeele JejCe - De[er®e Jeeìîee

1.

le=CeOeev³e

380

2.

[eUer / keÀ[Oeev³es HeeuesYeepeer Flej Yeepeer kebÀoYeepeer otOe lesue meeKej

50

3.

4.

5.

6.

7.

8.

100 40 50 200 25 30

Yeepeer - HeeTve Jeeìer Yeepeer - DeOeea Jeeìer Yeepeer - DeOeea Jeeìer otOe - 2 keÀHe lesue - 5 ®ene®es ®ece®es meeKej - 4 ®ene®es ®ece®es

G<ceebkeÀ efkeÀuee ke@Àuejer - 2030 He´efLeves ie´@ce - 61 efìHeë- (1) Dee³e.meer.Sce.Deej.vegmeej Jejerue Deeneje®es He´ceeCe 0-12, 14-15, 16-18 ³ee Je³eesieìe®es mejemejer He´ceeCe Deens. meJe&meeOeejCeHeCes Heewieb[eJemLesleer cegueeR®ee efoJemeYeje®ee Deenej vecegvee mekeÀeU®ee veemleeë 1 keÀHe ogOe, 2 ®ece®es meeKej, Heesns efkebÀJee GHecee efkebÀJee 1 ®eHeeleer/Heesns/ GHecee ogHeej®es pesJeCeë 3 Heesȳee, 1 Jeeìer Yeele, 1 Jeeìer

IeÆ JejCe, HeeTCe Jeeìer Yeepeer mee³ebkeÀeU®ee veemleeë DeOeea Jeeìer keÀ[Oeev³ee®eer (cees[ Deeuesueer) GmeU je$eer®es pesJeCeë 2 YeekeÀjer, 1 Jeeìer Yeele, 1 Jeeìer JejCe, HeeTCe Jeeìer Yeepeer. je$eer PeesHeC³eeHetJeeaë 1 keÀHe otOe, 2 ®ene®es ®ece®es meeKej efìHe ë- (2) 1 Jeeìer (ceO³ece DeekeÀeje®eer) - 150 efce.ueer.

1 YeekeÀjer - 70 ie´@ce efHeþe®eer (1 Jeeìer) 1 HeesUer - 40 ie´@ce efHeþe®eer (1/2 Jeeìer) 1 Jeeìer Yeele - 40 ie´@ce leebotU 1 Jeeìer JejCe - 20 ie´@ce [eU. efìHe ë- (3) 1) Meke̳e Demeu³eeme DeeþJe[îeeletve SkeÀoe ceebme, ceemes, Deb[er F. ®ee Deenejele meceeJesMe keÀjeJee. 2) Deenejele keÀesMeeRyeerj DeeefCe cees[ Deeuesu³ee keÀ[Oeev³ee®ee JeeHej keÀjeJee. 3) ceesmeceer HeÀUs GHeueyOe Demeu³eeme GHe³eesie keÀje.

4) MeWieoeCes iegUe®ee ceOetve-ceOetve GHe³eesie keÀje.

5) Deenejele pJeejer, vee®eCeer, yeepejer, F. Oeev³eeb®³ee Heerþe®ee ceOetve ceOetve GHe³eesie keÀjeJee. 6) Oeev³e Je [eUer®es efceÞeCee®es HeoeLe& Goe. efKe®e[er, LeeueefHeþ, F. ®ee Deenejele meceeJesMe kesÀu³eeme He´efLeveeb®ee opee& Jee{lees.

7) HeeuesYeep³eeb®ee efve³eefcele GHe³eesie kesÀu³eeme ueesn, ke@ÀefuMe³ece, efpeJevemelJe De,ye,keÀ Fl³eeoer efceUleele.

- [e@. Sme.Sue. JeeIeceejs M.D. (Med.), DTCD

Democracy is based on the conviction that there are extrardinary possibilities in ordinary people.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

De

YetefcekeÀe

MeemekeÀer³e mebmLeeb®³ee meb®eeueveeefveefcelle owvebefove Je keÀeuevegJeleea keÀecekeÀepeer ceeefnleer mebmLeebvee Del³eeJeM³ekeÀ Demeles. ³eele DeMeemekeÀer³e mebmLeeb®eer mLeeHevee, keÀe³eosMeerj efmeOolee, omleeSsJepe, mebmLeeb®eer veeWoCeer MeemeveekeÀ[erue Devegoeves efceUefJeCes Je osMeer-HejosMeer ceole efceUefJeCes ³eeleerue keÀe³eosMeerj Je keÀe³ee&ue³eerve lejletoer, mebmLes®es J³eJemLeeHeve, meYee Je þjeJe l³ee®eer þUkeÀ veeWo DeeefLe&keÀ efnMesye, efnMesye leHeemeCeer Je owvebefove keÀecekeÀepe ³eemeeþer®es yeejkeÀeJes ³eMemJeer meb®eeueveemeeþer nceer osleele ns meJe& efyeve®etkeÀ Je JesUsle nesCes cenlJee®es Demeles.

He´keÀuHe DenJeeue Je He´mleeJe, He´keÀuHe jeyeJeCetkeÀ, He´keÀuHe Dee³ekeÀj megì, ìer.[er.Sme, meskeÌMeve 80 peer Keeueerue keÀj keÀHeeleerme ceev³elee, DeMeemekeÀer³e mebmLeeb®³ee efJeke´Àer keÀj Je Je@ì, mesJee keÀj efkeÀjkeÀesU keÀjueeYe, yeBkesÀMeer jeskeÀ[ J³eJenejeJejerue keÀj 30 yeeyeleerle HeÀe³eveebefMeDeue efyeue 2008 Keeueer DeMeemekeÀer³e mebmLeeb®³ee keÀjeyeeyele yeoue Peeuesues Deensle. efJeÐeceeve keÀe³eÐee®eer DeMeemekeÀer³e mebmLeebvee ceole ceeefnleer®ee DeefOekeÀej keÀe³eoe 2005 Keeueerue lejletoeR®ee DeMeemekeÀer³e mebmLeebmeeþer ueeYe, DeMee mebmLeebyeeyele PILKeeueer v³ee³eeue³eebvee DeefOekeÀej, DeMeemekeÀer³e mebmLeebvee mebyebefOele #es$eele keÀece keÀjleebvee keWÀê Meemeve, keWÀêer³e ceb$eeue³es Je Keel³eebceeHe&Àle DeLe&mene³³e osC³eemeeþer DeveskeÀ ³eespevee ieþerle Deensle. efJeefJeOe MeemekeÀer³e keÀe³e&ke´Àce DeMeemekeÀer³e mebmLee meekeÀejle Demeu³eeves l³eeb®eer cenlJee®eer YetefcekeÀe jeefnueer Deens. Ieìves®³ee meeceeefpekeÀ GefÎ<ìeb®³ee

keÀe³e&Jeenerle DeMeemekeÀer³e mebmLeeb®ee menYeeie Je YetefcekeÀe cenlJee®eer Deens. l³eecegUs®e DeeHeCe meceepeeuee DeefOekeÀ megmebmke=Àle Ie[Jele Deenesle.

DeMeemekeÀer³e mebmLee l³eeb®³ee meodmeodefJeJeskeÀ Je keÀle&J³eyegOoeruee peeieu³ee Heeefnpesle Je DeeHeu³ee DebefiekeÀejuesu³ee GefÎ<ìebvee Heej Hee[C³eele l³eebveer meceepeemeeþer HetCe&HeCes meceHe&Cee®³ee YeeJevesves ³eesieoeve ÐeeJe³eeme nJes cnCetve efJeMJemle Je keÀe³e&keÀejer ³eebveer DeeHeues efnle yeepetme þsJetve DeeHeu³ee He´³elveebveer meceepeeleerue iejpet J³ekeÌleeR®ee DeeOeej yeveeJe³eeme nJes. DeeHeu³ee He´JeemeKe®ee&Jej, He´Meemeve, Heieej, JejKe®e& Je ceeveOeve v³etvelece HeeleUerJej þsJele meeJe&peefvekeÀ efnleebmeeþer HewMee®ee v³ee³³e JeeHej keÀje³euee nJee. He´l³eskeÀ DeMeemekeÀer³e mebmLesves Flej mebmLeebHeg{s DeeHeuee keÀe³e& kegÀMeueles®ee Oe[e þsJeuee Heeefnpes. veweflekeÀ ®eeefj$³ee®³ee efJekeÀemeeuee meJeex®®e He´eOeev³e efoues peeJes. keÀe³e&keÀejer meom³eeves meeJe&peefvekeÀ He´efmeOoer®eer neJe ve Oejlee He´l³e#e meeceeefpekeÀ keÀe³ee&le Glejues Heeefnpes. pej DeMee G®®emLeeveeJejerue J³ekeÌleeRveer meeceeefpekeÀ keÀeceemeeþer Hee³eGleej Peeu³eeme Flej mJe³ebmesJeer mebmLee DeeHeesDeeHe®e l³eeb®es DevegkeÀjCe keÀjleerue. ceie vescekesÀ keÀe³e keÀjeJes ?

DeMeemekeÀer³e mebmLeeb®³eemeeþer SkeÀe DeesUerb®ee GHeesodIeele Demee DemeeJee. meeJe&peefvekeÀ efnleemeeþer Del³eble keÀeìskeÀesjHeCes meeJe&peefvekeÀ efveOeer®ee efkebÀJee MeemekeÀer³e Devegoevee®³ee He´l³eskeÀ Hewmee ueeskeÀefnlee®³ee GefÎ<ìeJej®e Ke®eea He[eJee.

It is not the mountain ahead that wears you out; it is the grain of sand in your shoe.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

³eeKesefjpe DeMeemekeÀer³e mebmLee®eer DeeHeu³ee meceepeeleerue meeceeefpekeÀ jÀ{er, og<ke=Àl³es nìefJeC³eemeeþer kegÀþu³eener Dev³ee³³e, DeefnlekeÀejer Je Dev³ee³³e ª{eR®ee efve<esOe keÀjCes ner YetefcekeÀener efJemeª ve³es. meJe&meeOeejCeHeCes J³ekeÌleer®ee DeeJeepe menpeHeCes oyeuee peelees, HeCe J³ekeÌleer mecegn Oeeske̳ee®ee ceesþe FMeeje osJet MekeÀlees. l³ee®es ªHeeblej ®eUJeUerle Je ke´Àebleerlener Ie[t MekeÀles DeLee&le l³eemeeþer l³eebveer efnbmekeÀ neslee ve³es Je Meeblelesves efve<esOe keÀjeJee. 1) DeMeemekeÀer³e mebmLee efJeefJeOe Je=lleHe$eeb®³ee mebHeeokeÀebvee He$e HeeþJetve mebyebefOele DeefOekeÀeN³eeb®³ee vepejsle ®etkeÀ DeeCet MekeÀleele.

2) ueeskeÀHeeefþbyee efceUefJeC³eemeeþer DeMeemekeÀer³e mebmLee l³eeb®es He´Mve ceeb[tve He$ekesÀ He´efmeOo keÀªve leer Jeeìt MekeÀleele.

3) DeMeemekeÀer³e mebmLe ngb[eHeOoleer, meleer, veMeeHeeve, S[med F. meceepeeleerue IeelekeÀ yeeyeeRefJeªOo mebIeefìleefjl³ee jml³ee jml³eeletve He´oMe&ve keÀª MekeÀleele.

4) ueeskeÀebMeer ceesþîee He´ceeCeele mebyebefOele meeceeefpekeÀ He´Mve peeefnjeleerÜejs, Je=lleHe$eele uesKeve, Je=lleHe$eer³e Je FueskeÌì^e@efvekeÀ ceeO³eceeletve cegueeKeleer osJetve pevelesmeceesj He´YeeJeerHeCes ceeb[t MekeÀleele.

5) DeMeemekeÀer³e mebmLee DeKesj®es Deðe cnCetve He´Mvee®es ieebYeer³e& lesJe{s®e Demeu³eeme v³ee³eeue³eele keÀe³eosMeerj ke=Àleer efkebÀJee v³ee³eeue³eele ueeskeÀefnlee®ee

oeJee PIL®³ee Üejs oeKeue keÀª MekeÀleele. cnCetve ‘Where there is a will, there is a way always’ ³eevegmeej DeMeemekeÀer³e mebmLeebveer ieebYeer³ee&ves ceveeJej Iesleues lej l³ee meceepeeletve vekeÌkeÀer®e Glke´Àebleer Ie[tJe MekeÀleele. meceepeeleerue DeveskeÀefJeOe #es$eebleerue DeeHeeHeu³ee He´eLeefcekeÀles®³ee GefÎ<ìebmebyebOeele pej Deece®³ee `efJeMJemle` ceeefmekeÀe®³ee Jee®ekeÀebveer l³eebvee DeeJeM³ekeÀ JeeìCeejer ceeefnleer, met®evee Je ceeie&oMe&veemeeþer uesKeer ceeieCeer kesÀu³eeme vescekesÀHeCeer l³ee l³ee He´MveemebyebOeele DeeJeM³ekeÀ leer ceeefnleer Deece®³ee DebkeÀeletve ³eLeeJele osC³ee®es Gllejoeef³elJe Heej Hee[C³eele Deecneuee Deevebo®e nesF&ue! SjJner ogKeCes JesieUs®e Je GHee³e Yeueles Demes®e ®eeueeJes. ³eeHeg{s Deecner mJe³ebmesJeer mebmLee, DeMeemekeÀer³e mebmLeebHeg{erue Jemlegefve<þ De[®eCeer Je He´Mveeb®ee JesOe IesJet Fef®ílees. l³eeble legce®ee menYeeie Del³eble cenlJee®ee Deens. Deece®es ceeefmekeÀ leeeflJekeÀ ®e®ee&³egkeÌle ve jenlee He´Mveeb®³ee mees[JeCetkeÀer®es meeOeve JneJes ner®e ceefve®eer F®íe Deens. ceie! He´l³eskeÀ mJe³ebmesJeer mebmLes®³ee, DeMeemekeÀer³e mebmLes®³ee Je meeJe&peefvekeÀ efJeMJemle J³eJemLes®³ee keÀe³e&keÀejer meom³eebveer uesKeCeer neleele I³eeJeer Je ceeefmekeÀ `efJeMJemle'uee DeefOekeÀ HeefjCeecekeÀejkeÀ yeveefJeC³eele ceewefuekeÀ YetefcekeÀe I³eeJeer, DeMeer DeHes#ee keÀjeJeer vee?

Deelee Heg{ekeÀej legcner®e I³ee³e®ee!

- ceveesnj FbieUs

When faced with a challenge, look for a way, not a way out.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

`efJeMJemle' ³ee ceeefmekeÀ efve³elekeÀeefuekeÀeleerue peeefnjeleermeeþer

ojHe$ekeÀ 1) keÀJnj Hespe veb. 4 Deeì& HesHejJejerue meHlejbieeleerue peeefnjele ( HetCe& Heeve ) 2) keÀJnj Hespe veb. 2 Je 3 Deeì& HesHej Jejerue

meHlejbieeleerue peeefnjele ( HetCe& Heeve )

3) Deeleerue Deeì& HesHejJejerue meHlejbieeleerue peeefnjele ( HetCe& Heeve ) .. ..

©. 15,000/-

©. 10,000/- (He´l³eskeÀer) ©. 7,500/-

4) Deeleerue Deeì& HesHejJejerue meHlejbieeleerue peeefnjele ( DeOex Heeve ) .. ..

©. 4,000/-

5) Deeleerue meeO³ee HesHejJejerue ke=À<Ce-OeJeue

peeefnjele ( HetCe& Heeve ) ..

©. 3,000/-

6) Deeleerue meeO³ee HesHejJejerue ke=À<Ce-OeJeue

peeefnjele ( DeOex Heeve ) ..

©. 1,500/-

7) Deeleerue meeO³ee HesHejJejerue ke=À<Ce-OeJeue

peeefnjele ( HeeJe Heeve ) ..

©. 1,000/-

peeefnjeleoejebvee efJevebleer Deens keÀer, l³eebvee l³eeb®eer peeefnjele l³eeb®³ee HeOoleerves He´emf eOo keÀjeJe³ee®eer Demeu³eeme ef[PeeF&ve GHeueyOe keÀ©ve ÐeeJes. pej l³eeb®eer JesyemeeF&ì Demesue lej l³ee Je©ve oseKf eue Deeì& Jeke&À Deecner le³eej keÀ©ve IesT, pej meeOeer peeefnjele He´emf eOo keÀjeJe³ee®eer Demeu³eeme peeefnjeleer®ee cepeketÀj megJee®³e mJe©Heele HeeþefJeC³eele ³eeJee. peeefnjeleer®³ee jkeÌkeÀces®es OeveeosMe ke=ÀHe³ee ` mebke´ÀceCe HeefyuekesÀMevme De@v[ keÀvmeuìbìmed ' ³ee veeJeeves keÀe{C³ee®eer efJevebleer Deens. efkebÀJee meoj®es OeveeosMe efkebÀJee jesKe jkeÌkeÀce DeeHeu³ee veefpekeÀ®³ee mìsì yeBkeÀ Dee@HeÀ FbeGf ³ee®³ee keÀesCel³eener MeeKesle meoj®³ee Keel³ee®³ee veeJes Hes-Fve-mueerHe þjeefJekeÀ jkeÌkeÀces®eer le³eej keÀ©ve leer Deece®³ee keÀjbì Keeles ke´À. 30400472748 ³ee Keel³eeJej pecee keÀ© MekeÀlee. lemes kesÀu³eeme ceesyeeF&ue ke´ÀceebkeÀ 09869342980 ³ee Jej keÀUefJeC³ee yeeyele efJevebleer Deens.

mebHeeokeÀer³e meuueeieej ceb[U v³ee³ecetleea Þeer. Deveble ceeves : ceepeer v³ee³ecetleea, cegyb eF& G®®e v³ee³eeue³e DeeefCe ceepeer DeO³e#e jep³e ceeveJeeefOekeÀej Dee³eesie ceneje<ì^ jep³e, cegyb eF&.

He´e.[e@.efJepe³e ef®eìCeerme : ceepeer efJeOeer efJeYeeie He´cegKe, cegyb eF& efJeÐeeHeerþ DeeefCe ceepeer meom³e, jep³e ceeveJeeefOekeÀej Dee³eesie ce.jep³e, cegyb eF&. Þeer.yeer.Sve.JeeIeceejs : meveoer DeefOekeÀejer, (Dee³e.Deej. ìer.Sme.) meWvì^ue jsuJes, cegyb eF&. Þeer.Meb. ue. leeboUskeÀj : ceepeer efpeune efveyebOekeÀ, menkeÀejer mebmLee, þeCes. Þeer.He´keÀeMe Deej.kegÀuekeÀCeea : efMe#eCe GHemeb®eeuekeÀ (mesJee efveJe=lle), HegCes. He´e.Þeer.Sme.Sce.iee³ekeÀJee[ : meveoer uesKeeHeeue Je He´eO³eeHekeÀ.

He´e.Þeer. ieesHeeU ogKeb[ s : ceepeer He´eO³eeHekeÀ Je efJe®eejJeble, meceepemesJekeÀ.

De@[.Þeer. Deej.Sve.peeOeJe : De@[JneskesÀì, ne³ekeÀesì,& Deewjib eeyeeo.

De@[.Þeer.Deej.Sme.iegjJe : ceepeer mene³ekeÀ Oecee&oe³e Dee³egkeÌle Je JekeÀerue, HegCes. Þeer. Jner. yeer. meeleJeer : ceepeer GHeefpeuneefOekeÀejer Je ceepeer GHee³egkeÌle, keÀu³eeCe[esyb eerJeueer.ceneveiej HeeefuekeÀe, keÀu³eeCe, þeCes. Þeer. He´Yet. Heer. OeeceCes : efveJe=lle men-efveyebOekeÀ menkeÀejer mebmLee, ceneje<ì^ jep³e, cegyb eF& He´e.YeeT oe³eoej : He´eO³eeHekeÀ, meceepeMeeðe efJeYeeie, veeieHetjceneefJeÐeeue³e,veeieHetj] [e@.Sme.Sue.JeeIeceejs : Ëo³ejesie lep%e, þeCes.

To be successful, you must accept all challenges that come your way. You can't just accept the ones you like.

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Je<e& 1 ues  DebkeÀ 7  peevesJeejer 2009

efJeMJemle ceeefmekeÀe®es Jeie&Ceeroej nesC³eemeeþer Devegmeje³e®eer HeOole.

efJeMJemle ³ee ceeefmekeÀe®eer Jeeef<e&keÀ Jeie&Ceer ©He³es 400/- De#ejer (©He³es ®eejMes HeÀkeÌle) Deens. l³ee keÀjerlee DeeHeu³ee veefpekeÀ®³ee mìsì yeBkeÀ Dee@HeÀ Fb[er³ee®³ee MeeKesle meesyele Ye©ve efou³eevegmeej Jeie&Ceer®³ee jkeÌkeÀces®eer Hes-Fve-mueerHe le³eej keÀ©ve leer keÀesCel³eener MeeKesle jkeÌkeÀcesmen efkebÀJee ®eskeÀmen efou³eeme leer MeeKee leer jkeÌkeÀce mJeerkeÀe©ve Deece®³ee keÀjbì DekeÀeGbÀì vebyej 30400472748 Jej pecee keÀjsue. pej jesKe jkeÌkeÀce YejeJe³ee®eer Demeu³eeme veesìeb®es efJeJejCe mueerHe ceI³es osCes DeeJeM³ekeÀ Demetve, pej DeeHeCe Jeie&Ceer ®eskeÀves Ye© Fef®íle Demeeue lej ®eskeÀ ®es mueerHe ceOeerue jkeÀeves YejCes iejpes®es Deens. ®eskeÀ ``mebke´ÀceCe HeefyuekesÀMevme DeBv[ keÀvmeueìbìme d“ ³ee veeJeeves le³eej keÀjeJee ueeiesue.

meoj®eer jkeÌkeÀce jesKeerves Deiej ®eskeÀves Deece®³ee Keel³eele Yeju³ee yejesyej SkeÀ HeesmìkeÀe[& Keeueerue ceeefnleer osTve Deecneme HeeþefJeu³eeme l³eeleerue ceeefnleervegmeej Deecner DeeHeu³ee Jeie&Ceer®es jskeÀe@[& Deece®³ee mebieCekeÀeJej le³eej keÀ©ve DeeHeCeeme ojcene®ee DebkeÀ Heesmìeves HeeþefJeC³ee®eer lepeefJepe keÀ©. pej DeeHeCeeme DebkeÀ efceUeuee®e veener lej lemes Deecneme HeesmìkeÀe[& HeeþJetve Deiej HeÀesveÜejs keÀUefJeu³eeme, DebkeÀ HeeþefJeC³ee®eer J³eJemLee keÀjC³eele ³esF&ue.

He´efle, J³eJemLeeHekeÀer³e mebHeeokeÀ, efJeMJemle, ceeefmekeÀ, þeCes ³eebmeer me.ve.efJe.efJe. Deecner efJeMJemle ceeefmekeÀe®eer Jeeef<e&keÀ Jeie&Ceer efoveebkeÀ / /200 jespeer mìsì yeBkeÀ Dee@HeÀ Fbef[³ee®³ee .......................MeeKesle jesKeerve/®eskeÀves pecee kesÀueer Demetve DebkeÀ ceeefieue Hel³eeJej HeeþefJeC³ee®eer efJevebleer Deens, keÀUeJes.

DeeHeuee efJeMJeemet,

DebkeÀ Keeueer veceto Hel³eeJej HeeþJeeJee ë Þeer......................................... mebmLes®es veeJe.................................. ceg................. Heesmì..................... He´efle, leeuegkeÀe .............. efpeune ................. cee.J³eJemLeeHekeÀer³e mebHeeokeÀ, Heerve 400 000. `efJeMJemle ` ceeefmekeÀ, mebke´ÀceCe HeefyuekesÀMevme DeB[ keÀvmeuìbìmed,

(Meke̳elees Hellee meefJemlej DemeeJee DeMeer DeHes#ee Deens.) ieeUe ke´À.40,oeoespeer keÀeW[osJe mìsef[³ece, Keejìve jes[, þeCes. 400 601.

Specimen Pay-in-Slip vecetvee Hes-Fve-efmueHe