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आरती कीजै राजा रामचन्‍द्र जी के हरिहर भक्ति का रघु संतन सुख दीजै हो।
आरती कीजै राजा रामचन्‍द्र जी के हरिहर भक्ति का रघु संतन सुख दीजै हो।

पहली आरती पुष्‍प की माला, पहली आरती पुष्‍प की माला, पुष्‍प की माला हरिहर पुष्‍प की माला, कालिय नाग नाथ लाये कृष्‍ण गोपाला हो।
आरती कीजै राजा रामचन्‍द्र जी के हरिहर भक्ति का रघु संतन सुख दीजै हो।

दूसरी आरती देवकी नन्‍दन, दूसरी आरती देवकी नन्‍दन, देवकी नन्‍दन हरिहर देवकी नन्‍दन, भक्‍त उबारे असुर निकन्‍दन हो।
आरती कीजै राजा रामचन्‍द्र जी के हरिहर भक्ति का रघु संतन सुख दीजै हो।

तीसरी आरती त्रिभुवन मोहे ,  तीसरी आरती त्रिभुवन मोह, त्रिभुवन मोहे हरिहर त्रिभुवन मोहे, हो गरुण सिंहासन राजा रामचन्‍द्र शोभै हो।
आरती कीजै राजा रामचन्‍द्र जी के हरिहर भक्ति का रघु संतन सुख दीजै हो।

चौथी आरती चहुँ युग पूजा, चौथी आरती चहुँ युग पूजा, चहुँ युग पूजा हरिहर चहुँ युग पूजा, चहुँ ओरा राम नाम अउरु न दूजा हो।
आरती कीजै राजा रामचन्‍द्र जी के हरिहर भक्ति का रघु संतन सुख दीजै हो।

पंचम आरती रामजी के भावै, पंचम आरती रामजी के भावै, रामजी के भावै हरिहर रामजी के भावै, रामनाम गावै परमपद पावौ हो।
आरती कीजै राजा रामचन्‍द्र जी के हरिहर भक्ति का रघु संतन सुख दीजै हो।

षष्‍ठम आरती लक्ष्‍मण भ्राता, षष्‍ठम आरती लक्ष्‍मण भ्राता, लक्ष्‍मण भ्राता हरिहर लक्ष्‍मण भ्राता, आरती उतारे कौशिल्‍या माता हो।
आरती कीजै राजा रामचन्‍द्र जी के हरिहर भक्ति का रघु संतन सुख दीजै हो।

सप्‍तम आरती ऐसो तैसो, सप्‍तम आरती ऐसो तैसो, ऐसो तैसो हरिहर ऐसो तैसो, ध्रुव प्रहलाद विभीषण जैसो हो।
आरती कीजै राजा रामचन्‍द्र जी के हरिहर भक्ति का रघु संतन सुख दीजै हो।

अष्‍टम आरती लंका सिधारे, अष्‍टम आरती लंका सिधारे, लंका सिधारे हरिहर लंका सिधार, रावन मारे विभीषण तारे हो।
आरती कीजै राजा रामचन्‍द्र जी के हरिहर भक्ति का रघु संतन सुख दीजै हो।

नवम आरती वामन देवा, नवम आरती वामन देवा, वामन देवा हरिहर वामन देवा, बलि के द्वारे करें हरि सेवा हो।
आरती कीजै राजा रामचन्‍द्र जी के हरिहर भक्ति का रघु संतन सुख दीजै हो।

कंचन थाल कपूर की बाती, कंचन थाल कपूर की बाती, कपूर की बाती हरिहर कपूर की बाती, जगमग ज्‍योति जले सारी राती हो।
आरती कीजै राजा रामचन्‍द्र जी के हरिहर भक्ति का रघु संतन सुख दीजै हो।

तुलसी के पात्र कण्‍ठ मन हीरा, तुलसी के पात्र कण्‍ठ मन हीरा, कण्‍ठ मन हीरा हरिहर कण्‍ठ मन हीरा, हुलसि हुलसि गये दास कबीरा हो।
आरती कीजै राजा रामचन्‍द्र जी के हरिहर भक्ति का रघु संतन सुख दीजै हो।

जो राजा रामजी के आरती गावै, जो राजा रामजी के आरती गाव, आरती गावै हरिहर आरती गावै, बैठ बैकुण्‍ठ परम पद पावै हो।
आरती कीजै राजा रामचन्‍द्र जी के हरिहर भक्ति का रघु संतन सुख दीजै हो।

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कलम या कि तलवार

दो में से क्या तुम्हे चाहिए कलम या कि तलवार
मन में ऊँचे भाव कि तन में शक्ति विजय अपार

अंध कक्ष में बैठ रचोगे ऊँचे मीठे गान
या तलवार पकड़ जीतोगे बाहर का मैदान

कलम देश की बड़ी शक्ति है भाव जगाने वाली,
दिल की नहीं दिमागों में भी आग लगाने वाली

पैदा करती कलम विचारों के जलते अंगारे,
और प्रज्वलित प्राण देश क्या कभी मरेगा मारे

एक भेद है और वहां निर्भय होते नर -नारी,
कलम उगलती आग, जहाँ अक्षर बनते चिंगारी

जहाँ मनुष्यों के भीतर हरदम जलते हैं शोले,
बादल में बिजली होती, होते दिमाग में गोले

जहाँ पालते लोग लहू में हालाहल की धार,
क्या चिंता यदि वहाँ हाथ में नहीं हुई तलवार 

---- रामधारी सिंह "दिनकर"

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धरती पर बैठकर खाने के फायदे

भारतीय परंपरा के अनुसार धरती यानी भूमि पर बैठकर खाना खाने की परंपरा वैदिक काल से रही हैं।
लेकिन आधुनिकता की दौड़ में हम अपनी परंपराओं को भुलाकर पाश्चात्य संस्कृति में रंगते जा रहे हैं। लेकिन ये बातें जरूर आजमाएं
- जब आप जमीन पर बैठते हैं तो सुखासन में बैठते हैं, जो कि पाचन में मदद करने वाली मुद्रा है। जब आप भोजन करने के लिए इस मुद्रा में बैठते हैं तो पेट से जुड़ी समस्याएं कम होती है।
- यदि पद्मासन में भोजन के लिए बैठते हैं, तो आपकी निचली पीठ, पेट के आसपास और पेट की मांसपेशियों में खिंचाव होता है। जिसके कारण डाइजेस्टिव सिस्टम आराम से अपना काम कर पाता है।
- जब आप परिवार के साथ जमीन पर बैठकर खाना खाते हैं तो आपका ध्यान खाने में रहता है। यह केवल आपके ध्यान को ही खाने पर केंद्रित नहीं करता, बल्कि खाना खाते समय बेहतर विकल्प को चुनने में भी मदद करता है।
- सही समय पर यदि पूरा परिवार एक साथ खाना खाए तो आपसी सामंजस्य बढ़ता है। अपने परिवार के साथ जुड़ने के लिए बहुत अच्छा है, क्योंकि जमीन पर बैठकर भोजन करने से आपका मन शांत और सुखद रहता है, इसलिए यह अपने परिवार के साथ जुड़ने का एक बेहतरीन कारण बन जाता है।
- खाना खाने का ये पारंपरिक तरीका आपको समय से पहले बूढ़ा नहीं होने देता हैं, क्योंकि इस मुद्रा में बैठकर खाना खाने से रीढ़ की हड्डी और पीठ से जुड़ी समस्याएं नहीं होती है।
- एक रिसर्च के अनुसार लोग जमीन पर पद्मासन में या सुखासन में बैठते है और बिना किसी सहारे के खड़े होने में सक्षम होते हैं। उनकी लंबे समय तक जीवित रहने की संभावना ज्यादा होती है, क्योंकि इस मुद्रा से उठने के लिए अधिक लचीलेपन और शारीरिक शक्ति की आवश्यकता होती है।
- जो लोग सुखासन में बैठकर खाना खाते हैं। उनका दिमाग तनाव रहित रहने की संभावना अधिक होती है, क्योंकि यह दिमाग को रिलैक्स और तंत्रिकाओं को शांत करता है। आयुर्वेद में माना गया है कि मन को शांत रखकर खाना खाने से पाचन बेहतर होता है।
- जब आप जमीन पर बैठकर खाना खाते हैं तो ब्लड सर्कुलेशन सुधरता है। इस तरह दिल बड़ी आसानी से डाइजेस्ट करने में मदद करने वाले सभी अंगों तक खून पहुंचाता है।

source- http://naidunia.jagran.com

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कोशिश करने वालों की हार नहीं होती / सोहनलाल द्विवेदी

लहरों से डर कर नौका पार नहीं होती
कोशिश करने वालों की हार नहीं होती

नन्हीं चींटी जब दाना लेकर चलती है
चढ़ती दीवारों पर, सौ बार फिसलती है
मन का विश्वास रगों में साहस भरता है
चढ़कर गिरना, गिरकर चढ़ना न अखरता है
आख़िर उसकी मेहनत बेकार नहीं होती
कोशिश करने वालों की हार नहीं होती

डुबकियां सिंधु में गोताखोर लगाता है
जा जा कर खाली हाथ लौटकर आता है
मिलते नहीं सहज ही मोती गहरे पानी में
बढ़ता दुगना उत्साह इसी हैरानी में
मुट्ठी उसकी खाली हर बार नहीं होती
कोशिश करने वालों की हार नहीं होती

असफलता एक चुनौती है, स्वीकार करो
क्या कमी रह गई, देखो और सुधार करो
जब तक न सफल हो, नींद चैन को त्यागो तुम
संघर्ष का मैदान छोड़ मत भागो तुम
कुछ किये बिना ही जय जय कार नहीं होती
कोशिश करने वालों की हार नहीं होती

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Policy claim is granted after 3 year of policy term

https://www.irda.gov.in/admincms/cms/whatsNew_Layout.aspx?page=PageNo2648&flag=1

To all the Life Insurers
Ref:IRDA/Life/GDL/MISC/186/10/2015 Date:28-10-2015
Applicability of provisions of Sec 45 of Insurance Act 1938 in various scenarios
After amendment to Section 45 of Insurance Act 1938 , we have been receiving queries from the Life Insurers with regard to the application of new provisions in various scenarios that can arise during the course of life insurance policies in general and more specifically the approach to be taken for refunding premium , once the insurer takes the decision of repudiating a policy on the ground of misrepresentation or suppression of the material fact made by the policyholder / life Assured to effect or continue a Life  insurance policy. The queries raised with regard to various scenarios and the view taken by Authority is as follows:   Q1: In case of delayed intimation by the claimant i.e. where death of the life assured has occurred within 3 years of effecting the policy, but death claim intimation is given late by the claimant (whereby the period of 3 years from the date of effecting/revival of the policy is over). In such cases, since the period of 3 years will be over, whether the insurer has the option to call the policy in question?   Answer: The Insurer has only 3 years window for calling a policy in question on the ground of misrepresentation or suppression of a material fact not amounting to fraud, from the date of issuance of Policy or date of commencement of risk or date of revival of policy or date of rider of the policy, whichever is later. It is regardless of whether claim has arisen or not and when it is intimated. Once this period of 3 years is over, the policy cannot be called in question.    Q2: Whether the period of 3 years within which a policy can be called in question by the insurer is to be interpreted as date of effecting the policy till the date of death of the life assured (or) date of effecting the policy till the date of repudiation (if any) by the insurer.     Answer: The 3 years period is not necessarily connected with death claim arising under the policy and is counted from the date of issuance of policy or commencement of risk or revival or rider whichever is later. A Policy can be called in question within 3 years even if there is no death claim.   Q3: In case of ULIP polices, whether to refund the entire amount of premium received or pay only the fund value + refund of risk premium.   Answer:   a)    In case the policy is called in question within 3 years from the date of issuance on the ground of misrepresentation or suppression of a material fact not amounting to fraud :   The premiums collected under the policy up to the date of repudiation are to be refunded. It has no relevance to the fund value.   b)    In case the policy is called in question within 3 years from the date of last revival for the statements made at the time of revival :   Fund Value as on preceding day to the date of last revival + the entire premium collected for revival and thereafter would be refunded.     Q4: In case of a policy which has run for more than 3 years and acquired paid up value results in claim within 3 years from the date of last revival and it is found that there was suppression of material facts at the time of issuance of policy, whether premiums collected under the policy since inception is to be refunded.   Answer: As the time of 3 years has already elapsed from the date of inception/ issuance of policy, there is no scope of calling the policy in question as per amended Sec 45.      Q5: However in the above case, if it is found that there was suppression of material facts at the time of revival, then the revival is treated null and void. Whether the premium collected under the policy since inception should be refunded?   Answer: The revival of a policy is treated as a fresh contract and if the policy         (revival) is called in question within 3 years of such revival, the premium collected from date of revival of the policy to the date of repudiation is to be refunded along with all the admissible benefits accrued as on the preceding day to the date of such revival.   Q6: In case of Money Back plans, where one or more Survival Benefits (SB) are paid and the policy results in claim within 3 years from the date of subsequent/ last revival and it is found that there was suppression of material facts at the time of issuance of policy, whether the SB already paid should be recovered from the premium amount refundable.   Answer: In the given scenario, 3 years period to call has already elapsed from the date of issuance of policy, hence, there is no scope to call the policy in question.   Q7: In the above case if there was suppression of material facts at the time of revival and revival is treated as null and void then whether to refund the premiums collected under the policy since inception after deducting the SB amount paid or to just refund the premium collected for revival of the policy and not recover the SB paid prior to revival, but recover the SB paid after such revival, if any.   Answer: The revival of a policy is treated as a fresh contract and if the policy          (revival) is called in question within 3 years of such revival, all the premiums collected from  such revival of the policy to the date of repudiation along with all the admissible benefits accrued as on the preceding day to the date of such  revival (after adjusting the SB  amount paid, if any) are to be refunded.     Q8: In the Act there is no mention of claims arising within 3 years of Reinstatement of Surrendered policies.   Answer: Reinstatement of surrendered policy can be treated at par with the revival of the policy. Further it is clarified that calling a revival or reinstatement or reinstatement of surrendered policy in question will only arise if any misstatement / suppression of material facts is made at the time of revival or reinstatement of surrendered policy.   Q9: Where the Date of issuance of Policy and date of Commencement of Risk are different, how the refundable premium would be calculated.   Answer: If the Policy is called in question within 3 years of date of issuance or date of commencement of risk, whichever is later and the insurer takes a decision to repudiate the policy, the premiums collected from the date of issuance till the date of repudiation shall be refunded.   Q 10: if a policy is revived/ reinstated by collecting arrears of premium with interest and without obtaining a Declaration of Good Health/Medical, can it be repudiated within 3 years?   Answer: No. Since the policy is revived without taking any document/ statement from the policyholder, there is no scope for repudiation within 3 years of such revival.           MEMBER (LIFE)

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10 life lessons we learned from Dr APJ Abdul Kalam

Former President & eminent scientist Dr APJ Abdul Kalam passed away in Shillong on Monday. Kalam collapsed during a speech at IIM Shillong and was immediately rushed to the nearby Bethany Hospital.

Here are some of Kalam’s inspirational sayings through which he will be remembered forever…

“You have to dream before your dreams can come true.”

“If a country is to be corruption free and become a nation of beautiful minds, I strongly feel there are three key societal members who can make a difference. They are the father, the mother and the teacher.”

“My message, especially to young people is to have courage to think differently, courage to invent, to travel the unexplored path, courage to discover the impossible and to conquer the problems and succeed. These are great qualities that they must work towards. This is my message to the young people.”

“To succeed in your mission, you must have single-minded devotion to your goal.”

“Let me define a leader. He must have vision and passion and not be afraid of any problem. Instead, he should know how to defeat it. Most importantly, he must work with integrity.”

“Great dreams of great dreamers are always transcended.”

“Let us sacrifice our today so that our children can have a better tomorrow.”

“Man needs his difficulties because they are necessary to enjoy success.”

“Look at the sky. We are not alone. The whole universe is friendly to us and conspires only to give the best to those who dream and work.”

“You see, God helps only people who work hard. That principle is very clear.”

Courtesy: timesofindia

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Profile of former President Dr APJ Abdul Kalam

Born on October 15, 1931, at Rameswaram in Tamil Nadu, Dr Avul Pakir Jainulabdeen Abdul Kalam, specialized in aeronautical engineering from Madras Institute of Technology. Dr Kalam made significant contribution as project director to develop India's first indigenous satellite launch vehicle (SLV-III) which successfully injected the Rohini satellite in the near earth orbit in July 1980 and made India an exclusive member of Space Club. 

Pay your last respects to former President Kalam 

He was responsible for the evolution of Isro's launch vehicle programme, particularly the PSLV configuration. 

After working for two decades in Isro and mastering launch vehicle technologies, Dr Kalam took up the responsibility of developing indigenous guided missiles at Defence Research and Development Organisation as the chief executive of integrated guided missile development programme (IGMDP). 

10 life lessons from APJ Abdul Kalam 

He was responsible for the development and operationalization of Agni and Prithvi missiles and for building indigenous capability in critical technologies through networking of multiple institutions. 

He was the scientific adviser to defence minister and secretary, department of Defence Research & Development from July 1992 to December 1999. 

During this period he led to the weaponisation of strategic missile systems and the Pokhran-II nuclear tests in collaboration with department of atomic energy, which made India a nuclear weapon State. He also gave thrust to self-reliance in defence systems by progressing multiple development tasks and mission projects such as light combat aircraft. 

As chairman of Technology Information, Forecasting and Assessment Council (TIFAC) and as an eminent scientist, he led the country with the help of 500 experts to arrive at Technology Vision 2020 giving a road map for transforming India from the present developing status to a developed nation. Dr Kalam has served as the principal scientific advisor to the government of India, in the rank of Cabinet minister, from November 1999 to November 2001 and was responsible for evolving policies, strategies and missions for many development applications. Dr Kalam was also the chairman, ex-officio, of the scientific advisory committee to the Cabinet (SAC-C) and piloted India Millennium Mission 2020. 

Dr Kalam took up academic pursuit as professor, technology & societal transformation at Anna University, Chennai from November 2001 and was involved in teaching and research tasks. Above all he took up a mission to ignite the young minds for national development by meeting high school students across the country. 

In his literary pursuit four of Dr Kalam's books - "Wings of Fire", "India 2020 - A Vision for the New Millennium", "My journey" and "Ignited Minds - Unleashing the power within India" have become household names in India and among the Indian nationals abroad. These books have been translated in many Indian languages. 

Dr Kalam was one of the most distinguished scientists of India with the unique honour of receiving honorary doctorates from 30 universities and institutions. He was awarded the coveted civilian awards - Padma Bhushan (1981) and Padma Vibhushan (1990) and the highest civilian award Bharat Ratna (1997). He was a recipient of several other awards and fellow of many professional institutions. 

Dr Kalam became the 11th President of India on July 25, 2002. 

His focus was on transforming India into a developed nation by 2020. 

(Source: http://www.abdulkalam.nic.in/profile.html) 

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