A Must Must Must Read Story :- (Its an Important thing to Learn)

Dear All,

THIS MESSAGE SHOULD BE AN EYE OPENER TO ALL OF US......


Subject: Letter written by a wife after her husband's death in an accident
This is a practical advice by someone who has unfortunately experienced this. Must read.


LETTER WRITTEN BY A WIFE AFTER HER HUSBAND'S DEATH IN AN ACCIDENT

"Few things I learnt after my husband's death:-

We always believe we will live forever. Bad things always happen to others.

Only when things hit us bang on your head you realise... Life is so unpredictable....

My husband was an IT guy.all techie.And I am a chartered accountant.Awesome combination you may think.

Techie guy so everything is on his laptop.his to do list. his e-bill and his bank statements in his email. . He even maintained a folder which said IMPWDS.wherein he stored all login id and passwords for all his online accounts.And even his laptop had a password. Techie guy so all the passwords were alpha-numeric with a special character not an easy one to crack.Office policy said passwords needed to be changed every 30 days.So every time I accessed his laptop I would realise it's a new password again. I would simply opt for asking him 'What's the latest password' instead of taking the strain to memorise it.

You may think me being a Chartered Accountant would means everything is documented and filed properly. Alas many of my chartered accountant friends would agree that the precision we follow with our office documents and papers do not flow in to day to day home life. At office you have be epitome of Reliability / Competent / Diligent etc but. at home front there is always a tomorrow.

One fine morning my hubby expired in a bike accident on his way home from office.. He was just 33.His laptop with all his data crashed.everything on his hard disk wiped off.No folder of IMPWDS to refer back to.His mobile with all the numbers on it was smashed.But that was just the beginning. I realised I had lot to learn.

9 years married to one of the best human beings.with no kids.just the two of us to fall back on..but now I stood all alone and lost.

Being chartered accountant helped in more ways than one but it was not enough. I needed help.His saving bank accounts, his salary bank accounts had no nominee.On his insurance his mom was the nominee and it was almost 2 years back she had expired. but this was just a start.. I didn't know the password to his email account where all his e-bill came.I didn't know which expenses he paid by standing instructions.

His office front too was not easy. His department had changed recently.I didn't know his reporting boss name to start with.when had he last claimed his shift allowance.his mobile reimbursement.

The house we bought with all the excitement.on a loan.thought with our joint salary we could afford the EMI.when the home loans guys suggested insurance on the loan.we decided the instead of paying the premium the difference in the EMI on account of the insurance could be used pay towards prepayment of the loan and get the tenure down.We never thought what we would do if we have to live on a single salary.So now there was huge EMI to look into .

I realised I was in for a long haul.

Road accident case. so everywhere I needed a Death certificate, FIR report, Post Mortem report. For everything there were forms running into pages.indemnity bonds.notary.surety to stand up for you.No objections certificates from your co-heirs..

I learnt other than your house, your land . your car, your bike are also your property... So what if you are the joint owner of the flat.you don't become the owner just because your hubby is no more. So what if your hubby expired in the bike accident.and you are the nominee but if the bike is in a repairable condition .you have to get the bike transferred in your name to claim the insurance.And that was again not easy. the bike or car cannot be transferred in your name without going through a set of legal documents. Getting a Succession Certificate is another battle all together.

Then came the time you realise now you have to start changing all the bills, assets in your name.Your gas connection, electricity meter, your own house, your car, your investments and all sundries. And then change all the nominations where your own investments are concerned.And again a start of a new set of paperwork.

To say I was shaken.my whole life had just turned upside down was an understatement.You realise you don't have time to morn and grieve for the person with whom you spend the best years of your life. because you are busy sorting all the paper work.

I realised then how much I took life for granted.I thought being a chartered accountant I am undergoing so many difficulties.what would have happened to someone who was house maker who wouldn't understand this legal hotchpotch.

A sweet friend then told me dear this was not an end.you have no kids.your assets will be for all who stand to claim.after my hubby's sudden death.I realised it was time I took life more seriously. I now needed to make a Will. I would have laughed if a few months back if he had asked me to make one.But now life had taken a twist.

Lessons learnt this hard way were meant to be shared.After all why should the people whom we love the most suffer after we are no more.Sorting some paperwork before we go will at least ease some of their grief.

1. Check all your nominations...
It's a usual practice to put a name (i.e in the first place if you have mentioned it) and royally forget about it. Most of us have named our parent as a nominee for investments, bank accounts opened before marriage. We have not changed the same even years after they are no longer there with us. Even your salary account usually has no nomination.. Kindly check all your Nominations.
- Bank Accounts
- Fixed Deposits, NSC
- Bank Lockers
- Demat Accounts
- Insurance (Life, Bike or Car or Property)
- Investments
- PF & Pension Forms

2. Passwords..
We have passwords for practically everything. Email accounts, Bank accounts, even for the laptop you use. What happens when your next in kin cannot access any of these simply because they do not know your password... Put it down on a paper.

3. Investments.
Every year for tax purpose we do investments. Do we maintain a excel sheet about it. If so is it on the same laptop of which the password you had not shared. Where are those physical investments hard copy.

4. Will.
Make a Will. I know you will smile even I would.had I not gone through all what I did.It would have made my life lot easier.a lot less paperwork.I wouldn't had to provide an indemnity bond, get it notarised, ask surety to stand up, no objections certificates from others...

5. Liabilities.
When you take a loan say for your house or car.Check out on all the what ifs.what if I am not there tomorrow.what if I loose my job.Will the EMI still be within my range.If not get an insurance on the loan.The people left behind will not have to worry on something as basic as their own house.

My battles have just begun...But let us at least try and make few changes so that our loved ones would not suffer after we go.We do not know what will happen in the future.But as the Scout motto goes: “Be prepared

Some useful tips to waste your time in office :D

If you find it very boring in the office, here are some tips for u!!!!!!!!!

1. Form a detective agency to find out who is quitting next.
2. Make blank calls to your Boss.
3. Send mails from lotus notes (outlook)to your internet mail (and immediately get to the internet and see who reaches first, you or your mail?) and read them there, andnote down the time they take to reach there. Then do vice versa............. !!
4. Rearrange the furniture, i.e. flick someone else's chair just to irritate him/her.
5. Count your fingers (and toes if you still get bored).
6. Watch other people changing their facial ex-pressions while working and try changing your ex-pressions also.
7. Try to ask everyone or stretch status meetingsas longer as possible,
just by asking silly doubts. (IMPORTANT)
8. Make faces at strangers in office.
9. Have a three and half hour lunch; it's a big social occasion.
10. Learn to whistle.
11. Revise last week's newspaper.
12. Hold "How fast my computer boots" competitions.
13. Practice aiming the coffee cup into the dustbin.
14. Enhance your Literature skills. you can author "1001 innovative ways to waste your day" to help your colleagues.
15. Pick up the phone and dial non-existing nos.
16. Have work breaks in between tea.
17. Count maximum no of applications yourcomputer can open at a time.
18. For Win NT/95 users....Move things toRecycle bin and restore them..Then repeat this process. (very important).
19. Look at someone & try to imagine how (s)he might have looked when (s)he was 5 years old.
20. Read jokes and send jokes.
21. Make full use of the comfortable chair and table provided and take a nap

not my creation ...randomly found :) :) 

Must Read, A Thriller Story!!! (read it at ur own risk ,after reading u may want to kill me:P)

Once there was a bus conductor, who was very rude to his passengers.

One day a beautiful young girl, of around 18 years,tried to board the bus, but he didn't stop the bus.

Unfortunately the beautiful young girl came under the bus and died on the spot. Angry passengers took the conductor to the police station, who in turn took him to the court.

The judge was not at all impressed with him and gave him capital punishment.

He was taken to the electrocution chamber. There was a single chair in the center of the room and a single banana peel at one corner of the room. The conductor was strapped to the chair and high voltage current was given to him. But to everyone's amazement, he survived. The judge decided to set him free, and he returned to his profession.

After a few months, this time, a good looking middle aged woman tried to board the bus but the conductor didn't stop the bus. Unfortunately, this time also, the good looking middle aged woman came under the bus and died on the spot.

Again angry passengers took him to the police station, who in turn took him to the court. The judge took one look at the conductor and gave him capital punishment. The Bus conductor was taken to the same electrocution chamber where there was a single chair in the center of the room and a single banana peel at one corner of the room. He was strapped to the chair and high voltage current was given to him. This time also, to everyone's amazement, he survived. The judge decided to set him free, and he returned to his profession.

A couple of months later, an elderly gentleman tried to board the bus.

This time the Bus conductor, remembering his earlier experiences, stopped the bus. Unfortunately the elderly gentleman slipped and died due to his
injuries. The conductor was taken to the police station and then to the court, to the same judge. Though he hadn't done anything wrong, but considering his past record the judge decided to set an example and gave him capital punishment.

The Bus conductor was again taken to the same electrocution chamber where there was a single chair in the center of the room and a single banana peel at one corner of the room. He was strapped to the chair and high voltage current was given to him.

This time he died instantly !!!!!!!!!!!

The question is why didn't he die on the first two occasions, but died instantly the third time??

Try to solve it yourselves. This is rather interesting and answer is perfectly logical. If necessary read the puzzle once again.

Still couldn't? Then see below.........

Think hard

C'mon .............

Tired....?

Wanna know the answer????

Ok........ here is the Answer............

During the first two times, the conductor was a Bad Conductor, therefore electricity didn't pass through him. But during the third time, he was a good conductor, so electricity passed through him freely and he died !!!! :D :P 
Don't swear at me .,, I am also looking for the guy who sent me this... and for the Banana Peel, someone must have removed it by now, don't bother :P :D

BERMUDA TRIANGLE MYSTERY SOLVED...!!

Computer studies of ocean floors around the world, particularly the area known as The Bermuda Triangle, reveal evidence of massive methane explosions in the past. For years, believers in the paranormal, aliens, and other outlandish theories pointed to the the disappearance of ships and aircraft as an indicator of mysterious forces at work in the “Devil’s triangle.” Scientists have finally pointed the rest of us to a more plausible cause.

The presence of methane hydrates indicates enormous eruptions of methane bubbles that would swamp a ship, and projected high into the air- take out flying airplanes, as well.

Any ships caught within the methane mega-bubble immediately lose all buoyancy and sink to the bottom of the ocean. If the bubbles are big enough and possess a high enough density they can also knock aircraft out of the sky with little or no warning. Aircraft falling victim to these methane bubbles will lose their engines-perhaps igniting the methane surrounding them-and immediately lose their lift as well, ending their flights by diving into the ocean and swiftly plummeting.

Article found on facebook

KILLER ENGLISH :p

Heyazzzz ......I am really sorry ,but today  also its not my own original creation .......but what to do  some articles are so amazing that i have to  include it in mah blog......so today is some halka fulka humour day....so what can be more humourous than murder of english done by people .....here are some instances

MUST READ !!!
.
.Killing English
 1. Principal to student..." I saw u
yesterday rotating near girls hostel
pulling cigarette... ? "

2. Class teacher once said :" pick up
the paper and fall in the dustbin!!!"

3. once Hindi teacher said...."I'm going out of the world to America.."

4. "..DON'T TRY TO TALK IN FRONT OF
MY BACK.."

5. don't..laugh at the back
benches...otherwise teeth and all will
be fallen down..... 

6. It was very hot in the afternoon
when the teacher entered.. She tried
to switch the fan on, but there was
some problem. and then she said "
why is fan not oning" (ing form of on)

7. Teacher in a furious mood... write down ur name and father of ur name!!

8. "shhh... quiet... the principal is
revolving around college"

9. My manager started like this "Hi, I
am Madhu, Married with two kids"

10. "will u hang that calendar or else I'll HANG MYSELF"

11. LIBRARIAN SCOLDEd ," IF U WILL
TALK AGAIN , I WILL KNEEL DOWN
OUTSIDE"

12. Chemistry HOD comes and tells
us... "My aim is to study my son and marry my daughter"

13. Tomorrow call ur parents
especially mother and father

14. "why are you looking at the
monkeys outside when I am in the
class?!" 

15. Lab assistant said this when my
friend wrote wrong code.. "I
understand. You understand.
Computer how understand??

16. Seeing the principal passing by,
the teacher told the noisy class.. "Keep quiet, the principal has passed
away"

17. Once Teacher Told "If u Talk So
Loudly I Will Stand Uping U"

18. teacher to students:don't spit
outside, the understanding people will suffer

19. i have 3 daughters, all are girl

AMAZING FACTS ABOUT WARREN BUFFET: 3rd RICHEST MAN IN THE WORLD.

Heyazz readers ....today while surfing net came across these amazing facts about warren buffet and they are too amazing, so sharing with u all 

1) Warren bought his first share at age 11 and he now regrets that he started too late!

2) He bought a small farm at age 14 with savings from delivering newspapers.

3) He still lives in the same small 3 bedroom house in mid-town Omaha, that he bought after he got married 50 years ago. He says that he has everything he needs in that house. His house does not have a wall or a fence.

4) He drives his own car everywhere and does not have a driver or security people around him.

5) He never travels by private jet, although he owns the world's largest private jet company.

6) His company, Berkshire Hathaway, owns 63 companies. He writes only one letter each year to the CEOs of these companies, giving them goals for the year. He never holds meetings or calls them on a regular basis.

7) Warren Buffet has given his CEO's only two rules.

Rule number 1: Do not lose any of your share holder's money.

Rule number 2: Do not forget rule number 1.

8) He does not socialize with the high society crowd. His past time after he gets home is to make himself some pop corn and watch television.

9) Bill Gates, the world's richest man met him for the first time only 5 years ago. Bill Gates did not think he had anything in common with Warren Buffet. So he had scheduled his meeting only for half hour. But when Gates met him, the meeting lasted for ten hours and Bill Gates became a devotee of Warren Buffet.

10) Warren Buffet does not carry a cell phone, nor has a computer on his desk.

11) His advice to young people: Stay away from credit cards and invest in yourself.

12) He has donated $31 billion (85% of his fortune) to charity..

AFRAID OF LOSING U :(

You will never know what I feel for you
Perhaps ill never show it too

Because i am afraid to lose my best friend
And you'll never understand ,which way the road of our life has bend

You've always been that protective friend ,A girl can ever wish
And now it haunt's that due to my feelings our friendship will perish

You've always been by my side ,whenever I need
And now I don't wanna lose you because of my stupid deed

you've always been my worst weakness and my best strength
And now I don't wanna say what i feel for you
Because I am afraid to lose myself  by losing you :(

सुबह :)

वो नशीली नींद ,

वो चेहरे पर सुकून ,

वो  होठों पर मंद मुस्कान,

वो सप्नो में डूबी हुई आँखें,

वो खिड़की से चेहरे पर गिरती रेश्मी धुप,

वो माँ का सर पर हाथ फेरकर उठाना,

वो ताज़ी हवा से फूलो का महकना ,

वो मीठी अंगडाई,

वो सुबह की पहली चाय ,

वो ख़ामोशी ,

वो मदहोशी ,

वो कोयल की नखरीली आवाज़ ,

कुछ ऐसा ही होता है सुबह का अनोखा अंदाज़ :) :)

She is a human too :/

Now almost evryone prefers a WORKING WOMEN,
so b4 marrying her...plz keep dis in mind:


Here is a girl, who is as much educated as you are;
Who is earning almost as much as you do;

One, who has dreams and aspirations just as
you have because she is as human as you are;

One, who has never entered the kitchen in her life just like you or your
Sister haven't, as she was busy in studies and competing in a system
that gives no special concession to girls for their culinary achievements

One, who has lived and loved her parents & brothers & sisters, almost as
much as you do for 20-25 years of her life;

One, who has bravely agreed to leave behind all that, her home, people who love her, to adopt your home, your family, your ways and even your family ,name

One, who is somehow expected to be a home maker from day 1, while you sleep ignorant to her nervousness in her new circumstances, environment and that kitchen.

One, who is expected to make the tea, first thing in the morning and cook
food at the end of the day, even if she is as tired as you are, maybe more,
and yet never ever expected to complain; to be a servant, a cook, a mother,
a wife, even if she doesn't want to; and is learning just like you are as
to what you want from her; and is clumsy and sloppy at times and knows that you won't like it if she is too demanding, or if she learns faster than you;

One, who has her own set of friends, and that includes boys and even men at her workplace too, those, who she knows from school days and yet is willing to put all that on the back-burners to avoid your irrational jealousy, unnecessary competition and your inherent insecurities;

Yes, she can drink and dance just as well as you can, but won't, simply
Because you won't like it, even though you say otherwise

One, who can be late from work once in a while when deadlines, just like yours, are to be met;

One, who is doing her level best and wants to make this most important,
relationship in her entire life a grand success, if you just help her some
and trust her;

One, who just wants one thing from you, as you are the only one she knows in your entire house - your unstinted support, your sensitivities and most importantly - your understanding, or love, if you may call it.

But not many guys understand this...dey think its her birthtym responsibility..

Please appreciate "HER"..:)