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Sashin Shah, President (JAY-HO) Sashin Deepak Shah from is a native of Kutch, Gujarat currently residing at Matunga, Mumbai. Sashin is a post graduate in Event Management and is an Event Management professional since 2004. Married to Prerana Shah also a native of Kutch, Gujarat, and has a 4 years old daughter. Currently Sashin owns a wedding Planning Company called Vivaah Planners and an Event Management Company named The E-Factory. The idea behind JAY-HO is to unite Jain Youth and create a platform for their talents and present to it to the world. UTH-N-YNG was generated as an idea for all the Jain Youth to be aware about not only about Jainism & Jain Current Happenings but also to get an overview of what is happening around the world. With sections like Technology, Food & Lifestyle, Travel, Finance & Tutorials UTH-NYNG will be a one-stop-shop for all the info required for the youth. A.T.M (Artistic Talent Management) was specially designed by Sashin as he is from the field of Event Management and gets many chances to present new talent to the world may it be for Singing, Dancing, Acting, Art & Crafts or Speech. “My idea is to get the Jain community to such a level where every ones knows a Shah, Gala, Mehta or Jain as much as they know any Kapoor, Khan, Chopra or Kumar” says Sashin Shah. “Hope we are able to fulfill our dreams for a better future”

JAY-HO!

Bhavik Veera, President (JAY-HO) Bhavik Vinod Veera, a choreographer by passion has done MBA in Marketing and owns a dance company named Spunk Dance Company. Bhavik is a native of Kutch, Gujarat and is currently residing in Panvel, Navi Mumbai. Being passionate about dance, Bhavik likes to bring creativity and emotions through his dances. His idea behind JAY-HO is to unite Jain Youth and give platform to the hidden talents of Jain Youth and take them to the higher level. As he always says, “STAY TUNED.STAY UNITED” UTH-N-YNG magazine is created especially for all Jain Youth not only giving information of what’s happening around but also giving them opportunity to express their views and ideas and helping them to create better future. A.T.M – Bhavik says, it is an initiative taken by his friend and colleague Sashin Shah and he liked the idea behind it. As a choreographer, he too likes to present new talent from dance field. He says, “Anyone can become Michael Jackson or Shah Rukh Khan or Ranbir Kapoor or Katrina Kaif, but end of the day it’s only you who carries your own personality”.

JAY-HO!


32 AAGAMS IN JAINISM The word "Jain" has originated from the word "Ji". "Ji" means "to win". Those who have completely won over attachment, passion and malice are called Jain. According to the command of the Almighty. Jain are those who try to win over attachment, passion and malice in oneself. The sermon of Almighty good is knitted in the form of "Sutras" by gandharvas and is called "Jainagam". Jain Agam literature is the origin of other Jain literature. The code of conduct depicted in Jain Agam is the path towards world peace. The untiring efforts of Jainacharyas have bought to us the sacred Agam tradition and we have to maximize its spread. It is the sacred responsibility of each and every person who has faith in Jain Shashan that the society understands and accepts this tradition. Every Jain Tirthankar has attained the purity of soul by penance and restraint, make life and birth meaningful. When four karmas (1) Gyanavarniya Karm (2) Darssharavarniya Karm (3) Mohniya karm and (4) Antrai karm are completely won over, the sould of tirthankara attains Keval gyan and Kevaldarshan. Thus, they themselves become Agam. The word Agam originates from "Aa" Upsarga and "gam" dhatu. Tirthankar cannot say each emotion that he sees through Kevalagyan. Therefore, Agam is the limited collection of emotions of Kevli, whichj are formed into sutras, siddhants of shastras by gandharvas. Each Agam is the essence of the devotion of tirthankar. It is the life line of the entire Jain sashan in the absence of Tirthankar. It is the support of chaturvidh Shree Sangh. It is the religious book of the entire Jain community. There are 32 Agams in the Sthanakvasi Sect. A short introduction of different subjects of Agams is as follows : (1) SHREE ACHARANGA SUTRA : In this Agam, the pure life spirit and the non-ending (endless) power of the spirit and soul are depicted. In a similar mamer, the power of five stavasa (1) Earth (2) Water (3) Fire (4) Air and (5) Vegetation is depicted. The life of Mahavir Swami shows the path of achieving the eternal destiration by true understanding, faith and behaviour. (2) SHREE SUIGADANG SUTRA (Shree Sutrakrutand Sutra) : In this Agam, the thoughts of other sects of religion have been criticised and the theory of holyness of Jain Darshan have been prefessed. Other important instructions like the importance of staying in Gurukul for a devotee, to

leave behind wordly goods, to practice restrain have been depicted in this Agam. (3) SHREE THANANG SUTRA (Shree Sthananaga Sutra): In this Agam, all the items from one to ten are depicted in detail. "Seven Naya," The speciality of Jain Darshan helpful in arriving at a compromise between internally oppotite thoughts. For example, all the creatures of this universe are same in the matter of internal power and Therefore Materialistically, The spirit is one but the position of different creatures is different and therefore, the spirit in innumerable. (4) SHREE SAMVAYANG SUTRA : In this Agam, the objects are depicted in numbers – One, Two, Three, Hundred, Thousand, Lakh, Crore,. The information of the position of living and non giving objects of the world is given here. (5) SHREE BHAGVATI SUTRA : This is an auspicious Agam. In this Agam, the conversation between Mahavir Swami and first Gandharva Gautam Swami has been depicted. In this Agam, There are 36000 questions asked by Gautam Swami and others and answered by Mahavir Swami. All the material objects, knowledge of atoms and planes have been mentioned here. (6) SHREE KNATA DHARMA KATHANG SUTRA : Deep knowledge of Jain Darshan has been explained in this Agam using live stories and occasions. Even the common reader can understand the gist of dharma by reading these interesting stones. (7) SHREE UPASAK DASHANG SUTRA : Among the innumerable shravakas that were these in the era of Mahavir Swami, there were 10 whose life is an ideal for shravakas. The detail narration of these to Sharavakar is given in this Agam. Even without taking diksha, how can one do maximum dharma and make the best use of this life as human being. The path to attaining this is depicted here. (8) SHREE ANTGADH SUTRA : In this Agam, the life of 90 people, who have attained moksha in the same life in described. By reading this Agam, one would have no desire for worldly things, and would more towards attaining moksha. (9) SHREE ANUTAROVAVAL SUTRA : In this Agam, the life of those human beings have been depicted who have attained Devlok through restrain and penance. One undergoes restrain and penance to nullity Karma. Even by doing so, one attains punya and gets to Devlok., from there, he will definitely go to Moksha. (10) SHREE PRASHNA VYAKARAN SUTRA : Five reasons to for Kamabandhan are depicted here


(1) NITHYATVA – Lack of true belief (2) AVRAT – Lock of restrain (3) PRAMAD – Diligence in the wrong way (4) KASHAY – To practice arges, pride, fraud and greed (5) ASHUBH YOG – To misuse the power of the union of mind, body and soul. Five ways to avoid Karmbandhan are also given (1) SAMYAKTVA – True understanding & belief (2) Life of penance and restrain (3) APRAMAD : Diligence in the right path. (4) KASHAY TYAG : Not to practice anger, pride, fraud and greed. (5) SHUBH YOG : To use the power of mind, body and soul in the right direction. (11) SHREE VIPAK SUTRA : Using life stories, the result of good and evil deeds is depicted. After reading this, one strives to avoid evil deeds and thus avoid karmabandhan. By reading this, Agam, human beings strive to move towards. The good from the evil. The way to move towards purity has been shown here. (12) SHREE AUPPATIK SUTRA : The through and behaviors of some of beings who have attained Devgati has been depicted here. The life of Ambad Sanyasi and his 500 deciples has been shown. The beautiful description of how they undertook 12 vratas of shravakas in sanyasi’s clothes after meeting Mahavir Swami and their ultimate devotion is shown here. (13) SHREE RAIPRASHNIYA SUTRA : The detail life of Pardesi Raja has been given here. The life full of sin and fraud in the beginning,, Then the meeting of Jain disciple Shree Keshi Swami due to the efforts of minister unit. The interesting dialogues that took place between Pardesi Raja and Keshi Swami in the garden to bring about the true spirit. At the end, Pardesi Raja got faith and attached 12 Vratas His queen, Suryakanta Rani could not take in his life and gave him poison. Pardesi Raja went to paushadshala and undertook Anshan vrat and died in peace. He took rebirth in devlok as Mahariddhi Dev. (14) SHREE JIVABHI GAM SUTRA : In this agam the information of Jiva Darshan and Ajivdarshan is given. The three part of book (1) Urdhava Lok (2) Madhya Lok (3) Addho Lok is described here with detailed position and condition. (15) SHREE PRAGNAPNA SUTRA : Every doctrine and principle of Jain Darshan is described here. The partition of worldly beings according to their differences, their minimum and maximum position in each situation parts and particles of

Karma, places of Origin of beings, different bodies attained by them and their results, kashay, Indriya, Leshya, Samudhghat, etc are described here. (16) SHREE JAMBUDWIP PRAGNAPTI SUTRA : There are innumberable islands and oceans in Madhyalok according to Jain Darshan. Mambudwep is in the middle of their. It comprising of 5 Bharat Kshetra, 5 Airavat Kshetra and 5 Mahavideh Kshetra – 15 Karmabhumi Kshetra The changing of 6 "Aara", beginning of Dharma, the birth of 24 Tirthankara, Yuglik Kshetra is Akarmabhoomi, Mountains, rivers, etc. These are described in detail. (17) & (18) SHREE CHANDRA PRAGNAPTI & SHREE SURYA PRAGNAPTI : In this Agam, Jain Astrology and related topics are described. Sun, Moon, Planets, Starts, their movement and speed and their effect in the formation of day and night in depicted here. (19) to (23) SHREE UPANG SUTRA : 5 Upang Sutra comprising of Niryavalika, etc are described. Here those beings who have gone to Narak and Devlok are described. (24) SHREE UTRADHYAYAN SUTRA : The last sermon of Bhagvan Mahavir Swami has found place in Jain religion in this form. The sermon is for the welfare of Shravakas and sadhus. (25) SHREE DASVAIKALIK SUTRA : This Agam propagates the way to use of sadhus, shows the path of Dharmas, the system of attaining food by sadhus. The behavior pattern of sadhus, rules of conduct, use of language, 4 types of Samadhi and the forms of saintly. (26) SHREE NANDI SUTRA : The tradition of followers, various names given to chaturvidh Shree Sangh, its forms, and the detailed description of 5 knowledge, and its path is given here. (27) SHREE ANUYOGWAR SUTRA : This is the entry point for the reading all other Agams. Here the meanings of words and their definitions are described. (28) to (31) SHREE NISHIT ETC – 4 CHED SUTRA : The limitations of the life of a sadhu, their behavior and the repentance if sadhus misbehaves is given here. (32) SHREE AVASHYAK : Repentance of sins by sadhu, sadhus, shrawakas and shrarikas given here. Of the 32 Agams, some are math oriented and same are story-oriented. Depending on one’s qualifications and merit, one can chose the type of agam and attain completeness by its study. In this way, Agams are like lighthouse for the disciple. The Agams are the base of the whole jain sect.


STUDYING IN INDIA VS STUDYING ABROAD I find India is as sophisticated as any western country if a native Indian move from a small place to bigger place, step by step. India is a very huge country as far as learning is concerned. The main title is STUDYING IN INDIA VS STUDYING ABROAD. The main factor one must take into mind is India is not just a single country as we are made to believe it is combination of many kind of culture, regions, systems and of course 4000 years civilization that has made India as the best in the world. India is the best u just cant compare India with any other ABORAD ANY WHERE. I have not been to any place on earth and no intention to visit any place on earth even after my death,i am so confidant of not visiting any country on this earth either for a tour or for studying on any subject or for making business or again study purpose. INDIA CANT BE COMPARED TO ANY COUNTRY ON EARTH. I am from Karnataka and let me detail u just one state i am living how much it has places to study and also for business purpose or even for earning or for any situation u opt or become of. BANGALORE. This one major city was a small place just sixty years back, i am not from Bangalore but know the growth of Bangalore since fifty years and can say it has grown having just 100 cars at that time to more than one million car all in a few decades time, and u name the quality of education it is there to be found and also it is possible to find suitable job par excellent over abroad. IF U WANT TO SPEAK ENGLISH JUST CHOOSE BANGALORE. Friends let me tell u frankly a ten year stay in Delhi wont give u enough fluent English speaking but

the moment u land at Bangalore every other person use hundreds of English words and in one go You become enlightened with English usage that u can’t get in any other city in India . MYSORE CITY.

U want to learn and love to enjoy just student life amidst natures gift of clean road and greens Mysore is very good and u love to bring ur parents to stay at Mysore and u can say Mysore is good over abroad. Indian culture is so intact and it is all south Indian makes u feel tranquil. SHIMOGA. I have named a small place that belongs to me, today this small place is so lovely, nature is just a mile away from the place u live, rivers, mountains and a drive in the forest just few miles from this place is a real learning place feel for u, young people should study in this place and i bet my place is par superior than any place abroad, here life is so cheap if u can get just ten thousand rupees a month from ur parents the life and education life will be like king like. don’t u agree. BOMBAY,DELHI,CALCUTTA,MADRAS,AH MEDABAD,POONA I can name hundred more. The above mentioned cities are today like international famed one, and if any one read this review and advantage of studying in India, he or she will have a chance to visit hundreds of places to learn and in the young age it is India is the best to learn and get real feel of educated. ABROAD EDUCATION IS SIMPLY A CONCEPT NOT A REAL EDCUATION FEEL. Students should never get westernized and studying abroad spoils their natural Indian behavior and Indians have a special nature that has lively concept of trait.


INDIAN TRAIT CANT BE EXPLAINED. LET someone write how trait of Indians is so dif it is unification of India in one word. if u find any fault or to add pl suggest i will re edit so those who want to study abroad i will make them converted to back to India as i love India. i am forced to add more as the subject is exhaustive and i have quoted just Bangalore as an example. This review need to be amended added as the quality of people in India is quality of life is western and quality of people is Indian. How many endorse their son or daughter to study abroad. Though the parents may be proud of their children to study abroad as a pride feel but if one take into overall aspect during the study time, the most student life, the way India moves along with the studies are totally absent, and one who study abroad is deprived of events at homeland. India was nearly 650 kingdoms rich with dif culture. Britishers united India as one entity and became republic bringing common civil code and other rules and regulation, but the basic India is totally diffrent in hundred variation. ANY OTHER COUNTRY CANT BOAST AS UNIQUE AS INDIA. If a student study abroad he will get tuned only to comfort of easiness, transport easiness, and of course the infrastructures in most western countries may be par excellence over India. TO STUDY ONE NEED NOTHING OF SUCH COMFORT. Calmness and comradeship is absolutely essential part and this is totally absent abroad, total loneliness spread in the mind of a boy or a girl and they start to think of setting their own life and style thus causing a local marriage also, but this may not suit fundamentally.

STUDY ABROAD IS DIFFRENT FROM SETTLING LIFE THERE. You went there to study but married a girl or a boy there and settled, will it really make life happy. NO no no,it is a big no. During the study life a boy or a girl is totally young and their aspiration is to learn and study which should be far superior to India, but in actual they are deprived of many things thus socialising cause them to engage themselves with the local person may be from India or from other Asian country or even the place they visit. Now i realise this review need lot of revision once again, it is just not easy to explain what is meant by study in India to compare with abroad, may be in comment i will be able to succeed. My determination to convince young boys or girls is please study in India, there is more life here than u expect in abroad problems faced by Indian students in Australia and other abroad places. The life of a student is to enjoy life of study and friendship with other like minded ages and if it is thwarted by ugly incidants the feelings will give greater pain than to learn anything. WHERE IS THE NECESSITY TO LEARN ABORAD. I have already named many centers and hundreds are there and each state has got enough colleges and of course it is cheap compared to abroad say U.S.A or England. DONT STUDY WORK AND STUDY BASIS. When a student goes abroad and also work, he or she is actually competing with the local and it enrages them because when u give ur service for less money over their higher demand it affects the local population and who so ever get unemployed will fist curse, then start teasing and also abusing later it can even become beatings to killings too.  LIFE IS TOO IMPORTANT HENCE BE CAREFULL TO STUDY ABROAD.  CHANGES ARE TAKING PLACE AT ALL OTHER PLACES SO ONE MUST THINK OF LIFE.

 WELL THIS REVIEW HERE I HAVE DEVIATED SO I STOP HERE FOR SOMETIME.


DIY: JAR LAMP A low-budget DIY you can do even with two left hands.

Additionally, you need a lamp socket needed. At Big Bazaar we found one ready with the wire already to some super useful. Tools have a nail and a hammer to the opening in the lid. And paint the lid and the lamp socket to paint.

What do you need? A jar of course. There is only one requirement, and that is that there should be able to in a lamp, so the jug opening must be large enough. You can look for vintage jars. But you can also just go buy the Casa as we did. For a few bucks you already own. A lamp you need, and preferably a nice because it's very visible. We chose a light bulb with filament much in it, exactly as they did Edison. You can also opt for a more ecological alternative if you often will use the lamp.

The first step is the hardest. The lid should be a hole where the fitting fit through. Draw a circle therefore first on the lid with the fitting as a template. Then use the nail and hammer to knock holes in the lid. First, create a button which allows you some space between the holes. And then make a second round now and save between holes. The inner part will still hang on but with a well-aimed hammer that comes immediately. But watch out for sharp edges. Save now you're at two additional holes left and right in the lid to the hot air from the jar to leave your lamp inside.


Now insert the fitting through the hole and screw the cap screw from underneath as that was with him. Turn the whole not too tight otherwise the lamp may hang crooked.

Attach the wire with tape and paint the fitting and the cover in the same color for the best results. Let dry and you can turn the lamp inside and the lid on the jar screws.

Voila, it's that simple. Now only your lamp hanging on the place you want. The best result do you get through three jar lamps together to hang at different heights, or hang them in a row next to each other. Do you want to work and you still have questions, please let us know!


THE FOG CITY - IGATPURI is a town and a Hill Station municipal council in Nashik District in the Indian state of Maharashtra. It is located in the Western Ghats. The station lies in Nashik District between Mumbai and Nashik Road on the Central Railway. Igatpuri is known for Vipassana International Academy, where ancient technique of meditation is taught called Vipassana. Trains on this route usually change locomotives on this stop and also change the guards and drivers. The place is one of the best places to visit in Maharastra in monsoon. It is a hill station on busy Mumbai-Agra NH-3 only 45 km from Nasik and 130 km from Mumbai. Igatpuri is a major railway station with all trains stopping for 20 minutes as there is a change of locomotive engine owing to the electric current (AC/DC) running the engine. There is a major presence of the Indian Railways within this small town. This is the station from where 25000 AC KV traction on OHE begins for CR trains starting from Mumbai CST. The station is famous for its scenic surroundings, wada pao and idlis sold by vendors to commuters traveling in the train. The exit of Igatpuri railway station signals the proximity of Mumbai on down route. Holy Family Convent High School is the oldest English medium school run in the town. Other English school "Wonderland High School & Jr College". There's an Arts, commerce & Science College. Igatpuri is surrounded by the highest peaks in Sahyaadri i.e. Western Ghats, most of them are forts built in Satavahana dynasty. It's heavenly for trekkers and hikers, Most Indian (Hindi) movie outdoor scenes specially songs are shot in Igatpuri region. Igatpuri is a place of significance in terms of Vipassana meditation. The International Centre for Vipassana meditation called Dhammagiri, supposedly the largest Vipassana Center, is located here. This region consists of those mountains which are accessed by trains going from Mumbai CST to Kasara and Igatpuri. Local trains only go up to Kasara, and don't climb the Thal Ghat from Kasara to Igatpuri. Hence to go to Igatpuri, one has to either take a long distance train or reach Kasara by a suburban train and then take a bus uphill. Tourism is the most significant segment of the Igatpuri's economy. Following are the places most visited by tourists :

Bhatsa River Valley: The Bhatsa River valley is situated at the end of the Thal Ghat, just before entering Igatpuri from Mumbai. Situated about 3 km from Manas Resort. The valley lies in the basin of the majestic Bhatsa River. The valley is a picturesque spot with lush vegetation and majestic rocks formed by the river that runs through it.

Arthur Lake: A few kms from Igatpuri, lies a huge and placid Arthur Lake, set like a huge jewel amidst the dense greenery. The lake is formed by the waters of the Pravara River in the Bhandardara region.

Amruteshwar Temple: Built in 11th century AD, it is dedicated to Lord Shiva. Constructed in a distinct Hemadpanti style, the temple is surrounded by lush green fields and Mount


Kalsubai the highest mountain in Maharashtra. From here a further excursion leads to the Ratangad Fort. One can access this temple by road or a 8 km boat ride on Arthur Lake.

Tringalwadi Fort: It is situated at an altitude of 3,000 feet above the sea level. Since it is located very high, the fort offers picturesque scenery of the whole locality, especially Kulang and Kalsubai mountain ranges. The fort attracts trekkers also. The top of the fort is shaped like a Turban. A temple dedicated to lord Hanuman is nearby. An architectural marvel, the fort can be accessed through a narrow pathway, down to the Tringalwadi Lake. Just few kms away from Tringalwadi Lake is Talegaon Lake formed by the small Talegaon Dam.

View of Myanmar Gate, Dhamma Giri, Igatpuri. Dhamma Giri Meditation Centre: Founded by S.N.Goenka, Dhammagiri is a math which offers courses in Vipasana (insight meditation) a technique taught by the Buddha in India, 2,500 years ago. The large Golden Pagoda, the central theme of Dhammagiri serves as a landmark for Igatpuri. The math attracts a lots of people from various parts of India as well as abroad.

Ghatandevi Temple: Just ahead of Igatpuri, after crossing the camel Valley, comes across a small road, which leads to the Ghatandevi temple. According to the locals belief, Ghatandevi is the Protector of Ghats. The mountains of Durrar Utvad, Trimak and Harihar forms a spectacular backdrop. Behind the temple lies the Tringalwadi Fort.

Camel Valley: A few metres away from Bhatsa river Valley, on the right is the camel valley. On the other side of the valley is a waterfall formed by the rain waters and one have to walk over and look down to find a slop that falls over 1, 000 ft. The waterfall is the chief attraction of this place. The Five Waterfalls A little further from Ghatandevi, the rough road leading to the railway line begins. Across the railway line, while climbing down, falling one below the other, are five waterfalls that form which are main attraction for tourists in Igatpuri.


Vegan Food Guide (Daily Planning for Healthy Eating) Carbohydrates (Fiber, Vitamins & Minerals) 6-11 Servings of Grains a day (choose mainly whole grains) 1 slice of bread 1 ounce of ready to eat cereal 1/2 cup cooked grains, cereal, or pasta 2 tablespoons wheat germ 1 ounce other grain products Carbohydrates 3 or more Servings of Vegetables a day (eat a wide variety) 1/2 cup vegetables 1 cup salad 3/4 cup vegetable juice Carbohydrates 2 or more Servings of Fruit (eat a variety and those rich in Vitamin C) 1 medium apple, banana, orange, pear 1/2 cup fruit 3/4 cup fruit juice 1/4 cup dried fruit Protein 2-3 Servings of Beans and Bean Alternates (beans, tofu, nuts, seeds) Eat a wide range of these foods 1 cup cooked legumes (beans, lentils, dried peas) 1/2 cup firm tofu and tempeh 1 serving veggie “meats” (1 burger or wiener, 2-3 lunch slices) 3 tablespoons nut or seed butter 2 cups soymilk *Eating vegetables or fruits high in vitamin C with the bean and bean alternates increase iron absorption. Calcium 6-8 Servings of Fortified Soymilk and Alternates (calcium sources) Many of these foods double as servings from the Beans and Bean Alternates group and the Vegetable group. 1/2 cup fortified soymilk 1/4 cup calcium-set tofu

1/2 cup calcium-fortified orange juice 1/4 cup almonds 3 tablespoons almond butter 1 cup cooked, or 2 cups raw, high calcium greens, (kale, collards, Chinese greens, broccoli, okra). 1 cup high-calcium beans (i.e, soy, white, navy, Great Northern, black turtle beans) 1/4 cup dry hijiki seaweed 1 tablespoon black strap molasses 5 figs Omega Fatty Acids (1-2 servings) 1 teaspoon flax oil 4 teaspoons canola oil 3 tablespoons walnuts Vitamin B-12 Fortified foods or supplements supplying 2.4 mcg (adults); 2.6-2.8 mcg/day (pregnancy and lactation); 0.9-18 mcg/day (children) Vitamin D Sunshine or fortified food or supplements supplying 5 mcg/day vitamin D2 (10 mcg/day 5170 years; 15 mcg 70+ years). *If you don’t get enough sunshine, then you should get a vitamin D2 from foods or supplements. Final Words Stop wondering if you are eating enough food and getting the nutrients that you need. Take time to plan your daily meals. You will be glad you did. *When in doubt, consult a registered dietician to help you.


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FINANCIAL PLANNING: WHAT ARE COMMON MISTAKES TO AVOID Financial planning is a detailed process of understanding one’s financial status and milestones and then coming out with a comprehensive solution. However more often than not, financial planning is looked at more from a quick fix solution. I often come across people asking me which product I should invest in. The question is not about where to invest, but why to invest, which will decide your asset allocation. However the habit of jumping to fast solutions sometimes end up having adverse consequences. The common mistakes which I have come across while people plan their finances are as under:1) Current status and Way ahead:Financial planning can often be compared to a long distance travel. The first thing we do when we plan our travel is understand which places we want to go to. Then we decide on the affordability of the same. Then we decide on the mode of transport, whether the travel has to be completed by plane, bus, train etc. Then finally we buy the ticket and get our travel plans implemented. Similarly in financial planning; the first step should be to understand where I want to go, as in to decide your goals or milestones to be achieved. The second step should be to understand your current financial position which is your assets, liabilities, cash flows, taxation etc. to exactly know where you stand as of today. The third step should be to choose the asset class and products if required to reach the goal. Finally, the plan needs to be implemented because “A financial plan not implemented is a futile excersise”. However we more often than not first choose a product and get impressed with its features and invest in it not realising whether the same fits into our scheme of things. So it’s like first choosing our mode of transport and then deciding on the location. 2) Listen to advice, implementation can wait:In the process of financial planning, we come across a few people who are very excited about the whole exercise initially. They are keen to take advice and understand their financial status from a financial planner. However, taking advice is just a small percentage of the entire financial planning exercise. The process actually starts after the plan is presented. The implementation is of crucial importance because, a delay in the same will affect the effectiveness of the suggestions and

achieving one’s milestone could become difficult. Similarly regular financial plan reviews are extremely crucial because there would be changes in one’s goals, incomes and expenses. One needs to know where he has reached in comparison to his goals in the financial planning excersise. 3) Emotional planning for logical decisions:Financial planning deals a lot with financial behaviour of the individual. We often see people investing in markets at the highest point and refrain from investing when valuations are indeed attractive. Similarly we tend to follow fads a lot, so if gold or real estate seems to be doing well we end up allocating a major part of our portfolio towards such assets. This hampers our portfolio allocation. However what causes a real dent in our path to effective financial planning is our expenses which are more often than not driven by emotional needs. It can be a small purchase in a shop or a big purchase like buying your home. We tend to base decisions on emotional counts. We often come across cases where the budget to buy a car was Rs. 4 lacs but ended up spending more than double the amount. Another common example is that of home rennovation which always over shoots the monetary limits assigned. So every time there is a cash outflow its extremley important to ask whether what we are giving into is a need or a desire. 4) Short term memory :I often conduct corporate seminars on financial planning and I have seen a trend in the questions asked by particpants at various market conditions. When markets are doing well the questions are more about assets which are growth oriented and less biased towards security of ones asset class. Similarly when markets start tapering down everyone is on look out for guranteed return products. This is a problem, as our portfolio needs to be well balanced and has to be reviewed from time to time. We tend to forget the past as to how certain assets behaved and tend to focus all our attention only looking at the immediate present. This can prove expensive in the long run. The mistakes mentioned above are just a few of the several mistakes which we do in managing our finances. These errors, if not tended to, can lead to bigger financial blunders in the long run. However it is never too late to try and get your finances in place. All it requires is a proper guidance and a strong financial discipline.


HOW TO GET STARTED WITH FINANCIAL PLANNING Cliche - Unless you know where you are headed, you won't get there. Fact - Unless you know where you are headed, you won't get there. Anyway you look at it, knowing where you want to be is the all-important first step, and the rest follows. To draw a parallel in the world of financial planning , you first need to decide what you wish to achieve. Put simply, you need to begin the financial planning process by setting objectives. The objectives could range from buying a car, setting aside money for children's education to providing for your retirement. Typically, there will be multiple objectives, which can range from short-term to long-term ones. The trouble is that most individuals tend to ignore the "What" part i.e. what do you want to achieve? Instead, they start off with the "How" part i.e. how will you achieve the same? This in turn, leads to an ad hoc and directionless investment pattern that may not yield the desired results. The right approach is to decide on the "What" i.e. objective and then follow it up with the "How" i.e. a dedicated investment plan. There are some pointers that must be borne in mind, when you are setting objectives: Firstly, at any point in time, you are likely to face multiple objectives. For example, assume that you are a 35 year old individual with a 5 year old child and are yet to own a house property or provide for your retirement. In this case, providing for the child's education , accumulating a corpus for buying a house property and retirement planning are some of the pertinent objectives on hand. Now what you need to do is - prioritise. Start off with the objective that is most pressing and then provide for the others. Secondly, you are likely to find yourself in a situation, wherein despite the presence of clearlylaid out objectives, you lack the means to provide for all of them. In other words, you may not have sufficient funds to meet all the objectives. A typical reaction (which can prove costly in the long run) is to postpone investing and "wait for an opportune time". Our advice - never delay

investing. Instead, the key lies in starting off as early as possible and giving yourself adequate time; begin with the investible funds that you have and make up for the shortfall at a later date when hopefully you will have more funds at your disposal. Finally, setting objectives is a very personalised activity, i.e. it has to be right for you. The activity should not be influenced by external factors like your friends, relatives or peers. This is vital since what you set out to achieve is what you will eventually land up with. Ensure that you put in adequate thought before arriving at the objectives. How to get there: Having discussed, how to set objectives, let's now take a look at how you should go about achieving those objectives. Becoming a crorepati (Rs 1 crore is Rs 10 million) is often viewed as the pinnacle of affluence. Let's assume that you are a 30-Yr old individual who wishes to retire at the age of 60 years; this gives you an investment horizon of 30 years. Furthermore, you have decided that you need a retirement kitty of a crore to take care of your post-retirement expenses. We shall assume 3 scenarios, wherein investments made to achieve the stated objective (becoming a crorepati), yield returns of 12% pa, 15% pa and 17% pa. Become a crorepati: Objective (Rs) 10,000,000 Tenure (years)

30 Case 1 Case 2 Case 3

Rate of return (%) 12

15

17

Invest Anualy(Rs) 41,437 23,002 15,445 Invest Monthly (Rs)

3,277 1,796 1,197

As can be seen in the table, if your investments yield a return of 12% pa, then you need to invest Rs 3,277 per month or Rs 41,437 pa (over 30 years). If you take on higher risk and the investments yield a return of 15% pa, then the required monthly and annual investments drop to Rs 1,796 and Rs 23,002 respectively. Finally, if the investments yield a return of 17% pa, then you need to invest Rs 1,197 per month or Rs 15,445 pa.


THE ONLY JAIN TO REACH THE FORBES “TOP 10 RICHEST INDIANS� LIST

Bazaar. His elder brother Mansukhbhai, bought a plastics unit in Ahmedabad in 1981 and wanted Gautam to run it. Adani returned to Ahmedabad and this was the beginning of Adani's journey into global trading by beginning to import Polyvinyl Chloride (PVC) which is a key raw material for manufacturing plastics. The Beginning While working at his brother's plastics unit, Adani gained valuable working experience of working with the intricacies of Global Trade. During the late 1980s young entrepreneurs were looking to enter the relatively new and exciting sectors of Software and Telecom.

Name Born on Place of Birth Education Works for Valued at Position Married to Father of

Gautam Adani 24 June 1962 Ratanpol, Ahemdabad Gujarat University Adani Group $4.8 Billion Chairman of Adani Group Priti Adani Karan Adani, Jeet Adani

Family He was born in a Gujarati Jain family to, Shantaben and Shantilal Adani who had migrated from the town of Tharad in northern Gujarat in search of a livelihood. Adani has seven siblings the eldest being Mansukhbhai Adani. Gautam is married to Priti Adani, who is a dentist and heads Adani Foundation as a Managing Trustee. They have two sons. Karan Adani who is 23 years old and is currently pursuing his BS in Management from Purdue University, USA; Jeet Adani, their younger son is 13 years old. Growing up He did his schooling from Seth C.N. Vidyalya School in Ahmedabad. Later, he studied at Gujarat University but only till his second year for a Bachelor's Degree in Commerce as he was a university dropout. At a young age of 18, he went to Mumbai with only a few hundred rupees and worked as a diamond sorter at Mahindra Bros. After 2 years he set up his own diamond brokerage outfit at Zaveri

But Adani ventured into what merchants and East India Company used to do 1000 of years ago under the British rule. The Adani Group, along with its flagship company, Adani Enterprises Ltd. (formerly known as Adani Exports Ltd.), was established by Gautam Adani in 1988 as a Partnership firm with a capital of 5 lacs. The Adani Group had a quiet beginning, but Adani used his skills of persuasion to get beneficial land allotment policies and guidelines from the bureaucracy. Adani's entrepreneurial and ambitious vision along with rigorous hard work made the Adani Group one of the fastest growing professionally owned enterprises in India. Maintenance of world-class quality standards and a customer focused approach helped the Adani Group to achieve revenues of INR 262 billion by 2009. Adani Group - Company Profile With Gautam Adani as the Chairman and Promoter, the Adani Group is a Gujarat based Indian conglomerate. The group's core businesses include commodities trading, edible oil manufacturing, Mundra port operations and distribution of Natural Gas.


Its journey to become one of India’s most trusted and diversified trading house was fast and worth imitating. Apart from its core businesses, the Adani Group has also diversified into Real Estate, Ports, Special Economic Zones and IT enabled services. Its expansion was accompanied by a synergy among its business units to bring them together and make them more productive and competitive.

The Adani Group had entered the Power sector with its 4620 MW thermal power project in Mundra, Kutch district. By march 2010, the first 2 units of 660MW had been completed. Awards and Achievements. The Adani Group under the leadership of Gautam Adani has been the recipient of many awards and honors for its corporate performance. Some of them being:

The group emphasizes on converting partnerships into winning relationships and is committed to satisfy its stakeholders by constantly delivering good returns. Adani group covers more than 50 companies under it, some of them being: Adani Enterprises Ltd. Adani Agri Logistics Ltd. Adani Agri Fresh Ltd. Gujarat Adani Energy Ltd. Adani Mining Ltd. Gujarat Adani Port Ltd. Adani Power Ltd. Adani Retail Ltd. Adani Wilmar Ltd. iCall India Ltd. Adani Properties Ltd. Mundra Port and Special Economic Zone Ltd. The corporate is headquartered in the city of Ahmedabad, India. Recent Projects

Mundra Port is one of the country’s first and the most efficient private port and its 100 sq km SEZ was one of India’s largest multi-product free-trade zones. It currently handles 40 million tonnes of cargo which is expected to go up to 100 million tonnes.

It received the following awards  Dun & Bradstreet – Rolta Corporate Award 2008” for outstanding performance in Trading after the performance evaluation of over 500 companies.  Gautam was awarded the “Excellence in Management Award (2007)” by Chief Minister of Gujarat.  The Adani Group's Mundra Port and SEZ was awarded the “Port Authority Award (2006)” by Lloyd’s List for the Best Port in Middle East and Indian subcontinent.  In 2005, it was conferred as “Five Star Export House” and it received “FIEO's Niryat Shree Gold Trophy”.  The Adani Group's, Fortune is the largest selling edible oil brand in India with a 22% market share.  It received the “ICSI award for Excellence in Corporate Governance” in 2004.  It received the “GCCI Export Appreciation Award” in 2004.  It was awarded the “International Code for the Security of Ships and of Port Facilities” (ISPS) for compliance by Ministry of Shipping, Govt. of India, 2004.  In 2003, it ranked 38th in BS 1000-India’s Corporate Giants.  In 2001, it was awarded the status of “Golden Super Star Trading House” as well as the “SOPA” award.  In 2000, it received the “SRTEPC” award.  Gautam Adani owns 2 private jets, a Beechcraft jet purchased in 2005 and a Hawker purchased in 2008.


To begin with it worked with a few rural communities around the Adani port at Mundra. The foundation consists of a team of committed professionals whose work is to plan & implement developmental and growth programmes in rural communities. Today, the Adani Group is worth ` 27,000 crore and its flagship company, Adani Enterprises Ltd was rated among the 50 top performing Asian companies by Forbes magazine. The combined market capitalization of 3 of its listed companies Adani Enterprises, Adani Power and Mundra Port and Special Economic Zone have put the group among India’s top 10 businesshouses. Obstacles and Survival The Adani Group had to face stiff opposition from entrenched west-coast business rivals but still it managed to build enough critical mass to get its companies listed on the stock exchange in 1992. The Economic liberalisation and relaxation of trade policies gave the Adani Group a much needed boost in its expansion. In order to ensure a smooth expansion of the Adani Group Gautam has been a generous contributor to the Bharatiya Janata Party (BJP), which is in power in Gujarat. His business has benefited from his proximity to powerful politicians like Gujarat Chief Minister, Narendra Modi.

The team simultaneously works on a number of issues in each community to enable holistic development. The Foundation follows a participatory approach to ensure a sense of ownership for the services it provides and the community wealth it creates.The Foundation, through institutional and individual grants for education and medical relief has brought about tangible changes in lives of people of rural communities. Today the Foundation operates in Gujarat, Himachal Pradesh, Maharashtra and Rajasthan as a registered NGO.

Controversy As the head of one of the most envied corporate houses of modern India, Adani faced many controversies throughout his life.

The Foundation is active in four major areas for the society:

In 1999, his kidnapping by underworld don Anees Ibrahim became overnight headlines. He was released for a ransom of ` 3 crore. The reasons and other information about the kidnapping were never confirmed. In 2002, the Delhi police detained him for charges of cheating in a case forged by a rival. In late 1990s, he had been under scrutiny for alleged invoicing irregularities and money laundering. He was also charged for possible complicity with rogue trader Ketan Parekh. Social Responsibilities - Adani Foundation

Education Medical Aid Rural Development Charitable Initiatives Gautam Adani has created an enterprise, the Adani Group which is innovative in all aspects of the business, from technological to commercial. He was always responsive to the concerns of employees, society and stakeholders. He has always been a responsible citizen by trying to harmonize all the activities of his companies with the global environment and actively working to reduce their load on the environmental.

In 1996, the Adani Foundation was established in Ahmedabad to look after the Corporate Social Responsibilities of the Adani Group.


the bottom of the mystery himself/herself. That, in my opinion, is why this suspense drama works. Frankly, it's the sort of film that's extremely tough to pull off, but Reema has a strong control of the material and together with her efficient team pulls off the trick with aplomb and composure.

Before analyzing the movie, I just wish to state one thing. You haven't watched a suspense thriller like TALAASH on the Hindi screen. Ever. Also, all those sms-es prior to the release pertaining to the 'killer' are humbug, bogus and phony. Another clarification. TALAASH is not remotely similar to KAHAANI. A lot of space was devoted to the imaginary tale that TALAASH and KAHAANI were similar in nature. But you realize it's an ill-founded rumor as the reels of TALAASH unfold. It's also alleged that TALAASH borrows from a novella called 'Act Of Providence'. Then there's an assumption that TALAASH borrows from SHUTTER ISLAND... Similarities apart, TALAASH stands on its feet for the reason that it merges conspiracy, tension and tragedy with dexterousness. Add to it the turn of events, the razor sharp dialogue and of course, the suspense... TALAASH takes the suspense angle to a new altitude altogether, emerging into an exceptionally constructed mystery. Aamir Khan plays an investigation officer, Inspector Shekhawat, who is informed about the accident and subsequent death of a superstar. The case turns into a life altering chase for Inspector Shekhawat when he is forced to reel under the repercussions of a disturbed married life [Rani Mukherji] and come face to face with his suppressed grief. Being on his investigative quest, Inspector Shekhawat meets a sex worker [Kareena Kapoor], who further adds shades of mystery to the puzzle. What looks like a simple car accident investigation turns into a haunting mystery as further investigations show many anomalies were stringed to the death of the victim. TALAASH is dramatic and absorbing, both. Director Reema Kagti takes up an attention-grabbing premise and along with co-writer Zoya Akhtar spins a tale that makes the viewer a participant of sorts. While the cop tries hard to solve the jigsaw puzzle, the spectator, with his mind wide alert by now, gets intrigued by what he observes and perceives and is keen to get to

The finale, sure enough, is all important in a film of this genre. In this case, it's astonishing, powerful and also heartrending. It ends up as an emotional film that tugs at your heartstrings. The film delves into deep, dark secrets and that makes the conclusion one of the most satisfying wrap ups one has witnessed in a movie of this variety. I could just go on and on about the merits of the film, but I shall not reveal any further and spoil the fun for you. I suggest, experience it yourself! Though Aamir has portrayed the role of a cop earlier, he brings something new to the table with his spellbinding performance in TALAASH. The earnestness and authenticity with which he enacts his character cannot be expressed in a few sentences. That would be doing gross injustice to the actor's abilities, frankly. He holds the camera in every frame and charges assertively through the film, making you believe in Inspector Shekhawat's journey in entirety. It's a standout piece of acting, unquestionably. That Aamir is the best actor of his generation comes to the fore yet again! Both Rani and Kareena are given a moment in the sun, despite Aamir dominating the film with a powerpacked performance. Rani is superb as the troubled wife, while Kareena is terrific as the hooker. Together the two actresses deliver admirable performances that would definitely merit a mention in award ceremonies next year. The sequences between Aamir and Kareena in particular are simply fantastic! Nawazuddin Siddiqui sparkles in a significant role, enacting his part with remarkable ease. Raj Kumar Yadav is efficient enough. Shernaz Patel leaves a stunning impact. Every actor in the film -- in a brief role or otherwise -- stays fresh in your memory after the screening has concluded. On the whole, TALAASH is an outstanding film. A taut psychological thriller that keeps you guessing till the end, it leaves you spellbound, leaves you mesmerized, leaves you with an exclamation, 'Wow!'. An absolute must watch for all movie buffs. You just can't afford to miss this one!


Aries (Mar. 20--Apr. 19) : Legal, ethical or educational issues are emphasized. Travel is punctuated, whether it be of body, mind, or spirit. Exposure to those of different backgrounds or cultures opens your heart and leads you in new directions. Renewal may be necessary related to vehicles, relationships to roommates or siblings, or neighborhood. A household move may be on the way or may be just completed.

Libra (Sep. 23--Oct. 22): The accent of this eclipse period is on travel, education, care of vehicles and relationships to siblings, roommates, neighbors, or others who daily traverse your life. Lifelong habit patterns of thought must be reviewed and negative thinking corrected, habits of speech and communication improved. Now is the time to focus on learning new and practical life skills. Let go of outmoded belief systems.

Taurus (Apr. 20--May 19): The eclipse pattern emphasizes issues of sexuality, intimacy, and material accumulation. Your attitudes in these areas need renewal. Reorganization of debt and investments may be in progress. You may be more conscious than usual about existential matters related to life, death, and what is on "the other side" of normal, waking consciousness. It could feel important to arrange your will or estate.

Scorpio (Oct. 23--Nov. 21) : This eclipse series accents personal and financial resources. Greater understanding is developing related to expenditures of time, energy and money. Debts need to be repaid. You need to eliminate or recycle whatever is no longer useful in your life. Conditions of intimate life and sexuality are stale and call for renewal.

Gemini (May 20 -- June 20) : What is your pattern in Significant Relationships? What needs to be repaired or improved? How might you contribute to a fuller, richer life for yourself as well as the important persons in your life? It is crucial to search out solutions that favor everyone concerned. Recapitulation of old habits will simply regenerate trauma. Cancer (June 21--Jul y 21) : It is important to concentrate on work related relationships and health maintenance. Diet, exercise and improvement of physical regimen will serve you well. Honing your management systems in personal and work arenas is necessary to improve the efficiency of the daily work routine. You must balance concerns of recent years with better self-care. Leo (July 22 --Aug. 21): The eclipse season is bringing things to a conclusion concerning your community networking and development of friendships. Certainly you will continue to have the friends you have chosen to keep. But now it may be time to let go of the extras, some of the less meaningful relationships. Virgo (Aug 22--Sep. 22) : Matters concerning your family are accented. Old problems in relationships, even with the deceased, are brought to consciousness for cleansing and healing. A new family member may enter the scene. Property and real estate matters require concentration. Bringing career into alignment with your true self is an important focus.

Sagittarius (Nov. 22 --Dec. 20) : Your personal identity is the subject under consideration. Who are you becoming and who do you need to be? How do you wish to define yourself before the world? How can you develop an individual identity that is workable while simultaneously maintaining a personally rewarding relationship? Capricorn ( Dec 21 -- Jan 19) : This eclipse emphasizes your need for internal order and selfreflection. Consider hypnosis or meditation, psychotherapy, dream work or journaling as resources to help you contemplate. Solitude can be healing now. Streamlining daily routines and exercising your body will help you preserve energy for thought. Aquarius (Jan. 20--Feb. 17) : Involvement in your community, networking, and developing friendships has occupied a center role in your life at this time. You have lessons to learn about discerning who is truly a friend. Those with children must concentrate on fostering those relationships. Some may decide not to have any more babies. Pisces (Feb. 18--Mar. 19) : There has been emphasis on career, life goals, and community reputation. Honors may have occurred during this period if you have previously built a solid foundation. Property may require repair, rejuvenation, or replacement. Family patterns are changing. You may experience a sense of loss, but renewal occurs in its wake.


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Sashin Shah – 9820966500 Bhavik Veera - 9820566451 LETTER FROM THE EDITOR Dear Friends, Hello and welcome to one and all, with 10th Issues and more than 2 months of UTH-N-YNG we have tried our level best to provide you with content and topics that are useful to you and can help you in your day to day life. We are committed in providing you the best information available out there so that all our readers are well aware of what’s going around in this world. For this we need your support and co-operation, we would like to invite you to write for UTH-N-YNG and provide us content and suggestions which you feel may help us provide better content and information to you readers. If anyone wishes to contribute Physically, Mentally or monetarily feel free to contact us at info@jay-ho.com sashin@jay-ho.com bhavik@jay-ho.com For more information visit our website www.jay-ho.com Special thanks to Pratik Shah for your valued and rightful suggestion !


UTH-N-YNG 10th Issue