Wednesday, November 19, 2008

Bikni Babes

K.F. Sahiwala
Hi Folks ! This is indeed shameful in our society to make women to give undue importance to their livings, problems and their life styles.There has been special squad for women in the police department for their redrresal problems.

Man are always been criticsed in the hands of women as man are incapable for every thing. Man indeed are fools and idiots that inspite of getting exploitated, they always use to have soft corners for ladies. They leave their seat in Buses and trains to accommodate them and especially with morden and beautiful ladies.

In Miday newspaper it is always been foung every day MIDDAY Mate's and that to in Biknis and Panties. Better employment chances are always given to beautiful and sexy girls. Today is the world of women and that to especially beautiful ladies.

If a nude and poor man will walk on a road everyone will slander him and utterd him the bad words to him and if any nude girl would be there everyone will come to her rescue and cover that girl with clothes.

Rape and kidnapping scences are always found here and there and who has to blame for that? only gilrls and ladies they should been abolished for wearing tight skin touch clothes encouraging in to orgasm in man.Giving undue advantage to this sections of the society will one day make this country totally ruin. And is been rightly said that "Aurat Narak ka Dwar Hai"

Sunday, November 16, 2008

How to master the art of Winning

K.F. Sahiwala
Hi Folks this is an indeed a very good article from rediff mail about the art of winning any game in any situation.

It requires a lot of patience, Hard work, Struggle, Efforts, Disclipine, Positive attitude, Co operation and last but not the least love and affection from your collegues and sub ordinates.

Here is an article

I believe, it is a series of events (education, job, personal experiences and so on) that all collaborate to make a personality or a career. My MBA education taught me a couple of memorable things: make the most of a given situation, look at the problem and not the person responsible for it, and true accountability.Through all those case studies and internships we are taught how to prepare for varied business eventualities. However, in the real world, each situation is unique; every problem/challenge requires a renewed approach.
When success is defined by how fast you change with the dynamic socio-economic environment, there are no standard solutions. And the only thing that you carry forward from your education is the attitude, the philosophy and certain examples of what "not" to do.
Let me draw an analogy with my favourite sport soccer. At B-school one gets good coaching - one gets to learn about how to kick the ball, control the ball, field movements and so on.
In a profession, one is playing a match and individual skills picked up at B-school are not enough to win it; one needs to coordinate, play his role, create opportunities, take initiatives and rejoice in the celebration of the entire team. I strongly believe that in real professional world there are no individual triumphs. Individual accolades and medals end with the alma mater.
To all those stepping out into their careers post their MBAs, I would strongly advise that they look for linear organic growth at the beginning of the career. Exponential growth, especially in the initial days, results in dilution of certain fundamental strengths. I am reminded of the story of a butterfly coming out of the cocoon.
If you do not let it struggle through the entire process and try cutting open the cocoon to help the butterfly out, all you will get is a butterfly with underdeveloped wings that cannot fly. Similarly, one should try and gain operational level experience first.
Additionally, I think, every individual should contribute towards a "learning organisation" - this is a term coined by Peter Senge; and implies that everyone in the organisation has the power to contribute positively and should aim at achieving an overall synergy through harmonic coordination of work profiles.
Subrotah Biswas did his MBA from Pune University
Visit the link : http://www.rediff.com/money/2008/oct/29spec.htm

Sunday, October 19, 2008

5 Mantras to survive slowdown From Stock Market

K.F. Sahiwala

Hi Folks ! This is an interesting article from rediff the linked of the same has been mentioned above .Investors in the stock market and mutual funds have already seen great erosion in their wealth. That is, the Sensex is down from the highs of January, when it was over 20,000 points, to close at a dismal 9,975.35 points this Friday -- down a whopping 50 per cent in just 10 months.
And the last 20-25 per cent decline in the stock market has been so swift that it has taken just seven trading sessions to achieve this feat.
To top this, the entire banking and financial system is under a lot of duress. There is a crisis in terms of confidence, with banks sometimes unwilling to lend short-term money to other banks and companies.
Does this mean that we are headed for doom and nothing can be done about it? Certainly not, in fact, the great news is that there are steps that we could possibly take now to better prepare ourselves for some tough times ahead.
Though there is no silver bullet or short-cut that can save you from a financial crisis of such nature, because no asset can protect itself or generate real returns in a panic situation, there are some key things that a family can do to ensure that they are ready to weather these uncertain times.


Step one: Stay Calm. Don't panic and make rash decisions. Even though you know that selling shares of good companies or mutual funds is the worst thing to do, it is often the first thing that comes to your mind.
Of course, this is not to say that if there is money in high-risk, high-return mid-or small-cap funds or stocks, you should not move them. But take a call after you have properly analysed losses that would have incurred in the process.
Yes, these are times when you have to be more alert, but translating your alertness into immediate action need not be necessary. You should opt for rational decisions in such times.


Step two: Just a while ago, you would have got calls from head hunters and felt ultra-confident about yourself.
But with changing times, it is more likely that these calls will slow down, and so will hikes being offered by companies that are recruiting. Even your own company may not give much of a hike in the next year. But it's time that you do not look at hikes and increments. Instead, be defensive about your existing job.
There are several ways of doing this -- right from taking in more responsibilities to improving your skill sets. This could mean putting in more hours, if possible, and working harder and smarter. Be prepared for situations, where your company is pruning its existing workforce and more workload may be coming your way.


Step three: Create a contingency fund aggressively, if you have not already done so. It is far more important now to have that additional cushion. Have at least 4-12 months of expenses in the liquid form, that is, in savings account and fixed deposits, at all points of time.
If only a single member of the family is working then it is imperative to have more funds in the emergency kitty. Additionally, take stock of what you can sell in such markets without incurring a loss.
Can you borrow against fixed deposits, take a loan against your LIC [Get Quote] policy and withdraw from PPF or EPF? Do you have gold that you could possibly sell? Evaluate all possibilities and be ready for all contingencies.


Step four: Perhaps, not taken too seriously, but the most important point -- reduce your expenses. There are two types of expenses: mandatory (groceries, child's education, home loan) and voluntary (entertainment, vacation, eating out and others).
While there might be no way of scaling down mandatory expenses, voluntary ones can certainly be scaled down.
However, even dealing with your mandatory expenses smartly can help matters. For instance, if you have high-interest home loans (most would have gone up to 12.25 per cent), you can look at refinancing it as there are banks that will offer you a loan for around 10.00-10.5 per cent.
This can result in a reduction of the equated monthly instalment (EMI) and improve your cash flows.
But it comes at a cost. So you will need to do a cost-benefit analysis of the loan transfer before going for it.
If you are paying very high interest rates on credit cards and personal loans, you could do a 0 per cent balance transfer for three months (or slightly more), but refrain from using them till you clear the debt.
If you really need to raise cash, opt for relatives instead of institutions or use your fixed deposits, real estate and other investments.


Step five: Have a proper savings budget and continue with your investments in PPF, EPF, SIPs and gold. Most importantly, this is not the time to be adventurous for investing in short-term equity.
Doing all the above means you are much better prepared to tackle the bad times. It's important to pre-empt rather than take drastic measures in the future.

Wednesday, October 15, 2008

The Rise of Towers in Metropolis

K.F. Sahiwala


Hi Folks! This is very absurd of high rising towers in the city. It only includes modernisation and Sanghai view look to our city. The chief problem is it actually adds to our fatigue and causes ill-heatlh to our lives. The high rise could not be beneficial to our health as the degree of temperatures and weathers varies certain degrees as proportional to the heights.

People living on the top floors has to suffer from many health problems as the temperatures differs from the surface of the base. Not to say, about natural calamities like catastrophe, earth quakes. The high rise is only the sign of growing population of our city.
In ancient age, People used to say that the KALYUG will definately will come and in this stage people will not get the roof to live and they live above the heads of one another. So this high rise is only the sign of the KALYUG.

I had seen many sky srappers coming up around in our city and amazed to see such a hugh high rise. The floors of the hight rise or rather windows of each floors looks like the buttons from the down when viewed from the bottom. It simply makes me difficult to see such towers from down as my eyes gets stained or neck gets pained to view up to the top.

Tody evey citizens are in the favour of high rise towers. I can give the best example of GRAND PARADI at Kemps Crner area The towers has been itself builf on a cliff which is 50 to 55 inch high and on that the hugh tower has been build and not to say about the LIFTS. When there is no power, one has to climb or to come down with their own feet.

There is a lopsided or rather unilateral development in our city which causes great woe's to our people. Day by Day new rises are coming up with no equal to our today's transport systems.
On the contrary, Trains should get double or triple deckers coach as to accomodate to these citizens of our city. Many BEST Buses convert from Double Decker to Single Deckers causing great inconvience and adding more to our woe's of the people.

Monday, October 13, 2008

The Two sides of the same Coin

K.F. Sahiwala
Hi Folks! I observed if someone comes to you for any purpose , they are there for you for their own privilidges and comforts. And once there work will get over, they will not see you from back also. They will always show you or rather tells you the benefits, advantages or likeness of that particlar issue for which they have come up.

The best instance is of the salesman , In his sakes talk he will narrate all his advantages of his products and services. Another is the nupital get toghter where a groom's ralatives will always give his best examples to their bride's relatives. The hidden cost i.e. disadvantages never been shown or rather it comes up after that situtation gets over and finally one has to repent the whole life whether in terms of the products or from the life partner.

Everone talks of their own good things or work. No one shows the hidden weakness lying in himself. I can narrate the good example of a sales man who was true and honest in his sales approach. When asks for his competitors he always used to appreciate and encouraged his clients of his competitors. He always sees the budget of his client and also the requirement. If someone was not having requirment he used to say why waste money to buy his proiduct he can also go without his products and finally after a short period of time his sales grows like leaps and bounds.
I can tell one good example of my own self, where I had been invited for the inaugauration for the launch of a new bank produts i.e internet banking. The Branch manager and the guests presents in the meetings gave a very wonderful sppech about their new produts to make an ease for their clients to use internet banking at home without going in to the bank. After the meeting they were clled upon to their customers to say something for any problems. I spoke and said that it is very nice and thanks for coming out of the new products. Besides advantages there lies hindrances underlying the products, when it is used practically like anytning come accross like net problems, server problems, slow download speed etc and etc.

So, these points were not been narrated in their beautiful speech. In every situation there are two sides of the same coins. If anyone used to give some relief to you in return you have to pay its price for it. As it goes with antibiotics it cures your disease but on the other side it gives you side effects also.

Saturday, August 30, 2008

Sweet Unforgotable Memories

K.F. Sahiwala
Hi Folks ! We always remind some of the sweet memories of past and reclloect those events which could not be forget. We even remember our friends, relatives and collegues for spending the time with us in the past. Past is unforgateble and future is to make our sweet memories to come in to existence.

We have our building friends where we conduct one day picnic every year as we could not forget our past picnics and it always happen to come to our memories and we go at every year. The person's company is also important to make that event more memorable. Like minded and easy going friends are more comfortable than reserved.

I can tell you one of my collegues who always gives me a very good advice and his advice remained in my mind as memory and I could not forget that friend. His advice was when I was getting depressed he used to tell me We have come in this earth all alone and we have to go from this earth also all alone so why there is so Hue and Cry for others and things.

Another friend told me that our two hands are not given for skirmish and fighting and with these two hands how many people you will make them defeat but with these two hands you can shake and make your join your hands together to say regards and courtesy in front of thousands of people.

Another friend of mine was really on the other sides of spirituality and hard core believer in spirits and ghosts. He told me when you urinate in open and calm spaces before urinating just signalise by making sounds so as to get vacate the ghosts from the places where you urinate.

Advices, Morals, Love, Freindship, Places, Movies, Spirituality plays a very important roles as these places are unforgatable and it makes our relationship more strong and build. For E.g. Two starngers when they happen to meet on a certain holidays or trips became husband and wife afterwards.

Sweet memories are always there for you forever and it is found by old and elderly people who always make them find in their past life and enjoying thier ancient age.

Monday, July 21, 2008

Confronting with Dreadful Relationship

K.F. Sahiwala

Hi Folks, Here are some peaceful tips as to avoid in skirmish or to tackle with dreadful relationship. Here we have tp play the safe game to come out from the grim situtation and also could not spoil our relationship with others. whether it is in our business or with our family memebers.

As it is been rightly said it takes a few seconds to break the relation but takes a long way to go to build that broken relations.

One way to come out from the skirmisk is let to make the opposite person to remove his wild anger without opposing in between, otherwise this will only lead to enhance in to more conflict. Be calm and quiet and make him speak as much as he wants. This is the one best way to come out from the situtation.

If he really feels guilty afterwards when he cools down, in that situtation try to explains the in's and out's of that skirmish. Always bow to others and always gives grandship to the person who indulge with you in fight.This is the correct meseaures to resolve the conflict or rather it will go to the extremes.

Here some are the few tips to resolve the Dreadful Situtations :-1. Don't take their hostility personally. Try to keep your emotions out of it.
2. Retaliate in king, with patience. Be Quiet, firm and detached.
3. Don't try to stop the harangue until the person has said everything he wants to say or until he stars repeating things.
4. Try to use positive body language and facial expressions.
5. Don't critize. Focus on isues, not personalities.
6. Use Careful questions to uncover the real problems.
7. Don't expect an irritate person to like you. Be satisfied if he or she will listen to you , or it you can successfully settle things.

Tuesday, July 08, 2008

Income Tax Exemption- Senior Citizens & Women Assessee

K.F. Sahiwala
Hi Folks! This is indeed the very careful categories of our society to take care off. Senior citizens has been exempted from Income Tax up to Rs 2,25,000/- and for women assessees up to Rs 1,80,000/- leaving behind the normal man to suffer.

There is also the protection given to the senior citizen and women by the police department for their grieveances to make their complaint directly on the phone numbers 101. It is true to see their position in the society as there is no other way to lookout to themselves by their family members or rather they get exploited by their children and relatives.

Our Political, cultural and social systems always heed these sections first and provides them their fundamental rights and freedom. They also get priviliges in BEST buses and trains by reserving for them special seats and places.

It is not always true that whatever they demand or come out with any issue against anyone. I heard even a opposite side of it that his father was exploting his son in his tender age to earn for his needs of liquor. Parents discrimante their children and takes undue advantage by always crying for their sorrow without any reasons.

They always complain for one thing or other, they don't understand their children and if anything comes short they make hue and cry and criticize their children. A father always criticize his son by telling that one day he will grow up and gives all the things to his wife and pull out his father from the house.

Not to tell, about ladies and women they are the top of all the above, They make fools to man by crying and complaining always for her wants. They don't understand thier husbands earning capacity and gets envy with her neighbours status. Women have become indecent in their approach and they do not respect to thier inlaws and always prouds for her jobs, Her parents, her status and always makes low down to her in laws.

If this is the condition, Then our system shold take notice of that and should ammend the laws and procedures equal to all.

Friday, June 27, 2008

Maharashtra Hill Stations

K.F. Sahiwala
Those curvaceous craggy ranges that spine along the coast of Maharashtra, the Western Ghats, are the home of several little known but charming hill stations. In fact they almost belong to the colonial era, when people travelled up to these stations to escape the heat of the plains.Many of them still retain some of that old world charm and would make for an ideal holiday even if it be only on the weekend.MatheranThe nearest of these hill stations from Bombay is Matheran. You can catch any Pune bound train from Victoria Terminus which will take you up to Neral, in about two hours. From there you travel uphill in a delightful little toy train. Take in the panoramic view of the plains below as the train chugs uphill. It makes several stops en route, where the local tribals will sell you forest fruits such asjambouls and karvandas.This is the only hill station in the country which is out of bounds for vehicular traffic throughout the year. Matheran market is where you could pick up some good bargains especially cane and leather goods made by the tribals. There are several viewpoints which one can visit; many of these still bearing those exotic English names. The Hart Point offers you a view of the night lights of Bombay.


Khandala and LonavalaSitting atop the Western Ghats on the Bombay-Pune highway are the twin resorts of Khanda'a and Lonavia. By train, the tracks snake in and out of several tunnels, offering you fleeting glimpses of the gaunt hills and their valleys. Suddenly you sense a freshness in the air and feel a levelling of the tracks on which the train has been travelling and you realise that you have reached Khandala. By road, you would take the Bor ghat road at Khopoli. The ghat is indeed steep, but the climb is faster and shorter and it is only an 8 kilometer distance before you reach the top. Khandala is especially beautiful during the monsoons: the clouds literally envelope the entire town giving you the ethereal feeling of walking on them. Look out onto the hills and you will notice a thousand waterfalls that gush from its sides and flow into the ravines below. Do not miss the sun going down over the hills at Sunset Point. Further up the road, you come to Lonavala. Over the last decade this town has developed rapidly and it is here that both the rich and the powerful have their farm-houses and holiday villas. Several of these fancy structures are out of place with the rural surroundings. While at Lonavala, do visit the Walvan and the Bushy dams. They are usually ftill during the monsoons and attract hordes of tourists. Lonavala is also famous for its chikki and its chiwda.On the Pune road, about 12 kilometres from Lonavala, are the Karia Caves. Belonging to the lad century B .C., they bear a striking resemblance to those at Ellora. The stupa inside the cave and the rock sculptures at the entrance are an eloquent testimony of the skill of the artisans of that time.Today Karia moves out of its ancient past to provide sport and adventure to tourists. Maharashtra Tourism provides courses in rock and fort climbing here. Also proposed at this place, is an Institute for Adventure Tourism. Great things are in store for tourists at Karia.






Panchgani and MahabaleshwarAmong the hill resorts of the state, Panchgani and Mahabaleshwar are the most frequented because several tourist agencies, as well as the government tourist department, offer package tours to these places. Tucked away in the Satara district, they are best approached from Pune. Panchgani, at a lower height derives its name from the five hills that surround it. This is an ideal base for some good trekking. You can explore several mule tracks that lead through the now thinning forests. Climb atop the Table Land', a flat mountain top from where you can look down on to the coastal plains below.Mahabaleshwar was the erstwhile summer capital of the old Bombay Presidency, which despite the increasing crowds that come there, still retains its quintessential charm. Numerous majestic mansions built during the days of the British, still stand as monuments of the Raj.It is a fairly big town with several good hotels and lodges for tourists. For variety of activity you can paddle around the Venna lake or explore the various viewpoints. The bazaar here is also fairly popular, with leather goods and tribal trinkets for sale. There are several small-scale home industries that make rather good jams and jellies.At both Panchgani and Mahabaleshwar, Maharashtra Tourism has accommodation that caters to the needs of all categories of tourists.






AmboliFurther down the coast, Amboli, on the southern ranges of the Western Ghats, is a quiet but pleasant hill resort. The Sea View point offers you a panoramic view of a good part of the Konkan coast. Facilities are scarce here, but you can enjoy a restful holiday away from the crowds that you find at other resorts.Some other stationsUp in the Vidharba region of the state is another relatively unknown resort called Chikhaldara. The place abounds in wildlife with the famous Melghat Tiger Sanctuary in its vicinity. From here you can make adventurous forays into the nearby forests, explore ruined forts and find your way to several panoramic viewpoints. In southern Maharashtra, a hill resort teeming with history is Panhala. This was once a Maratha fort, but has now been converted into a comfortable hill resort. In Thane district, yet another virgin unspoilt resort is Jawahar. It is renowned for the rich and vibrant paintings by the Warii tribals. As varied as the different parts of the state, the hill resorts in Maharashtra, offer you a secluded sanctuary away from the hustle and bustle of the city, allowing you to explore their natural scenic beauty. They are ideal spots for an invigorating holiday.

The Headache of Using Mobile phones.

K.F. Sahiwala





The development of mobile phones brought convenient and advantages to the world. Communication between people and people are easier and fast. Though, the disadvantages brought along with the fast grown technology cannot be ignored. These problems not only influenced people personally but also the society.
Symptoms caused by the radiation of mobile phones are one of the most argued problems. Many scientists believe that the radiation from the mobile phones may cause the users to have different symptoms such as headache, earaches, blurring of vision and even causing cancer. Though, these problems are still under research. Mobile phone users are advice to reduce the usage on mobile phones if it is possible.
Mobile phone addiction is a big social problem. Psychiatrists believe that mobile phone addiction is becoming one of the biggest non-drug addictions in the 21st century. Along with the age drop of the mobile phone users and the ease of prepaid method provide by the system operators, most teenagers now own their own mobile phone and network service. Teenagers are engaged on their mobile phones all the time, no matter on phone calls, using SMS text messages, personalising the mobile phones with ringtones and pictures etc. Besides this, many people are running after the lastest mobile phones. New models of mobile phones are released almost everyday. In order to get up-to-date, people tend to change their mobile phones once in a while. These became habits among the mobile phone users causing them to spend unnecessary cost on mobile bills and costs.
Cyber bullying is also another issue among the disadvantages of mobile phones. Cyber bullying is a bullying act using offensive words and behavior via online chatting, emails or SMS text messages. It was showed that the psychological effects of cyber bullying are much severe that face-to-face bullying. This problem now is among teenagers especially the secondary students.
There are still many problems causing but the new technology. Mobile phones with camera functions are causing privacy problems. Saudi Arabia had banned camera phones through out the country while many countries are concern about this problem. This is because many people have misused the usage on the camera phones such as using it as a hidden camera to take photos which are private. The spreading on computer viruses is also a problem for this new technology. Just like computer viruses, these viruses will affect the normal usage on mobile phones making them to malfunction and causing destructions.

Sunday, June 15, 2008

Social Service

K.F. Sahiwala
Hi Folks ! A very great time to do something unconventional. Offbeat works pays you not in monetary terms but also in kind. There are peoples love to work without any intention as to boost their self esteem and intitution. There are various ways to do social service like Helping Hand, Charities, Donations, Sponsorship and Scholarships.

All these activites should go in hidden ways as it is been greatly said if you boast yourself of your social sevice you would not been paid the mankind price from others. Others will think he is showing of his greatness and richness or rather he is a showoff person. Social work is not carried in terms of money but you can contribute your timings, energy, mind, opinions, participation in any social related issues.

A friend of mine who is very poor in every tems like no momey, no time and said me that I am not eligible to contribute anything to others but on the contrary others are helping me out so how can I make good deeds and collect best wishes from others. I said only you have to think always positive for others. Positive thinking is always a good and simple social service. Humbleness, Honestness, etiqueteness, politeness, sweetness should be there in your approach and attitude.

Making happy and satisfying others are also great part of social services. Don't indulge in to argument and loose your temper but on the contrary you have to be quiet and humble trying to resolve the situation in calm ways. I know the story of a husband and wife. A husband was very found of his wife. I asked her the secret and she narrated that I respect and love my husband a lot and in return I get respect and loveness 10 times from him. So this is a great deal, so why should I reject it. The condition is this if you are humble and can bow and bend to anyone you will become lovable and sweetable to that person.

Turning your enemies in to friends is a great social service. You yourself has to come foreword to greet others If you know to love others, others will also loves you. It means whatever you sow you have to reap it in future.

Saturday, May 31, 2008

Social Service - II

K.F. Sahiwala
Hi Folks, This is an indeed good work and it gives peace and happiness to you. Social work not only in terms of money but also in kind and love. If you do some activity without any intension or purpose or with any intension of getting returs than that work comes under social work.


I remember a gentleman who runs a big company with so many employees. I asked that gentleman about his richness and genorisity, He utterd and said that his employees are not serving him but he serves to his employees and said my is first responsibility to make them happy first in terms of facilities and payments and whatever is left behind it owns to me.

Normally boses makes their employees as slaves and here he serves his employees and he always tell others we are only the trustees of our property and whatever I have , I devote to God and I am only the trustee of almighty. What a superb imagination and thoughts.

A man was there who never bothers his money and he spends lavishingly and always invites to charge him more for the superb services. If he has to borne the charge of say Rs 500/- he would pay 600/- instead for quality services and he always tell us when he does like this way more money stared coming towards him. He never runs after the money but makes money to run after him.

Giving a smile to a ambigious stranger and escort to an unknown person at any party or gathering is also one kind of social service. Positive thinking, honesty, benevolence, obedient are also other kinds of kind and help to give others.

Tuesday, May 13, 2008

Healthy Tips - Lose and Adopt

K.F. Sahiwala










L - Lose A - Adopt
L- White Sugar and ...............A - Jaggery, Honey;

L- Maida or Fine atta and .....A - Rough Atta, Sprouted Wheat;

L - Fried vegetables and .......A - Raw, Boiled Vegetables ;

L - Tea, Coffee and .................A - Basil, Saunf, Soup;

L - Pickle and ..........................A - Fresh Chutney;

L - Soft Drinks and .................A - Coconut Water, Juices;

L - Sweets, Confectioneries ....A - Dates, Raisins, Sweet Fruits;