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New Age Exploration

For more than few thousands of years needed to explore the earth. Men lived with different belief about his territory from time to time. If we take Alexander the Great, he did not know land mass of Australia or America in his life time. As per his awareness India is the south end of the world from Greek. His world was 40% to 50% less than the world we have today.

Ancient man might have thought few 1000 miles were his world. That much alone he could move(walking). As per the year grows boundary is expanding.

Now earth is almost discovered completely. Nothing is left in the earth surface un-noticed. All sort of human civilization in the contemporary world discovered and many were erased from the earth by the discoverers.

Now it is time to explore space. Exploration to the space and neighborhood planets. We have not found any similar planets so far like earth. The distance in space is beyond imagination. Only unit is Light Years. So far man has not invented anything to move at the speed of light or faster than light. But may be in the future, man will invent such thing and travel in the space to find fellow living beings. Or some other living being from space may also try to reach earth.

At least this time, let us not behave like our past explorers. Earlier we killed the citizens of the new land being discovered. Red Indians in America, Aborgins in Australia, and many tribal were wiped out ruthlessly. Now in the Space exploration, Man should not repeat the same violence. Let the other living being live with its culture and belief. Since we are able to reach them, we may be technically advanced in our weapons. So let us stop eliminating living beings in outer space if we come across any. If aliens reached us, God knows whether they let us exists or eliminate, God only knows.

Before reaching outer space, are we allowing fellow human beings to co-exists in our current contemporary. Many civilizations are being crushed slowly. Nation eats another nation, Religion kills another religion. Society eats another society. Language eats another language. First, we have to stop the brutality here, in the earth. Developed countries are a threat to developing and under-developed countries. Military powers are trying to dominate non-military power countries. No end for Big Fish eating Small fish. We have to realize where we are leading this earth and change it positively.

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How to Claim Medical Insurance

Here is my experience in claiming medical insurance when I was sick. My experience may be helpful to you to claim your medical insurance. I have been in Medical Insurance coverage for the last 5 year. Two times I was hopitalised. My kid hospitalised once.

Overall, my family hospitalised for three times in 5 years. I claimed medical insurance twice. My claim was rejected once.

First. My kid hospitalised due to diarrhea and fever for several days. Later doctor diagnosed it as viral fever. She was admitted for 5 days in Surya Hospital – Vadapalani, Chennai.

During admission we paid Rs.1000 and presented our medical insurance ID card. After 5 days, the hospital bill was Rs.15500. Insurance company sent Rs.15000 to Hospital. While discharging we paid just Rs.500. We also got back our Rs.1000, which we paid during admission.

In this case the process was so simple. We produced the medical insurance ID cards. They scanned the card front and back, faxed the scanned copy to our Insurance company.

Second. I was hospitalised for diarrhea in the same Surya Hospital. I was receiving continues trips. Now the medical insurance claiming process seems to be so complex. We produced the medical insurance ID cards to the hospital authorities. Our ID cards did not possess our Photo. They asked the Insurance certificate, and receipt of the latest/last premium paid. They also demanded the photo copies of all documents related medical insurance in advance. My wife shuttled here and there.

I was about to discharge, but there was no reply from the Medical Insurance company. I do not know how to claim the medical expenses after getting discharged from the Hospital. So I extended my stay in hospital for a day. Because, I feel it is easy to claim medical insurance when admitted in hospital.

Hospital authorities take care of the process, documents, procedures to claim. After post hospitalisation, we have to shuttle to Insurance company with the discharge summary and billing to claim money. I do not feel it would be so easy as claiming through hospital.

But this time, my claim for medical insurance was rejected. I was informed from the Insurance company that, my disease (diarrhea) does not require hospitalisation. It could be treated from home. Big bang to me. I cleared my hospital bill by credit card.

I felt I could have succumbed to diarrhea rather receiving firing from my wife. Because, I was about to be admitted in general ward, but I chosen single room with TV. Rent for single room is higher than general ward. I was confident that I could pay everything from medical insurance.

Oops, Things did not turn up.

Third. After couple of months, I was hospitalised again for a unknown fever. I had fever for more than 10 days. I was so weak. I took lots of expensive medical tests.

Soon doctor advised me to admit in the hospital. I was afraid of hospital bill. I did not go to job for the last 4 months. Anyway, I was admitted in hospital. Again Surya Hospital.

This time, I booked a single big room with AC and TV. I was staying in the hospital for four days. Almost three doctors diagnosed me. After fourth day, I decided to return to my home. No idea about what was the cause for fever. Viral fewer is the cause when nothing is diagnosed.

Like last time, we had hip-cups and shuttling for claiming medical insurance by hospital authorities. My wife wanted me to stay in the hospital for couple of days more to receive Medical insurance to pay the bills. I was stressed too much, I requested to discharge without waiting for insurance amount.

Meanwhile, hospital authorities said they have faxed things to Insurance Company, so we may get the claim anytime. Anyway, I paid the bill by credit card, back to home. My bill was around Rs.16000 and something.

For the next couple of days, my wife follow up the hospital. Later they informed me that, Insurance company sent the money. We could collect it from the hospital. We received Rs.12000 as Medical Insurance. Insurance company said, the maximum room charge allowed per day is Rs.1000 for me. They could not pay Rs.1500 per day.

Moreover, I did not claim pre-hospitalization expense like expensive medical test. I do not know how to claim those things from Insurance Company.

I am little hesitated to claim medical expense once I am discharged from hospital.

Medical Insurance Companies should make the process so easy to claim after discharged from hospital.

If you read between the lines, you can understand which is my instant medical coverage and emergency management.

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Relationship changes

Relationship is born, grow, changed, maintained, died, and killed.

Relationship is born between two different entities. The tone or flavor in relationship with a same person/entity is keep changing.

There are many good friends become enemy after becoming partners in business. There are intimate lovers become ‘divorced’ after getting married. There are good colleagues who become enemies after working in same project.

When you newly join to a company, in that first day your relationship with your company is different from after 3 or 6 months. Your relationship after 6 months will be not the same after 1 year.

Every second the relationship is changing. .

You may keep distance from your colleague A at the beginning, but later on you get close to colleague A, then you get close to colleague B and forget colleague A, meanwhile colleague A is promoted instead of you, then you stop speaking to colleague A. Now your relationship with Colleague A is dead. When you realize you are acting by your ego, you voluntarily speak to colleague A. Now the relationship is re-born.

The reason for change in relationship may be anything or no reason at all.

You get close to your neighbor, you share your feelings to them. Later they moved to another city. You lost contact with them. After few years if you meet them by chance, you do not feel the intimacy or comfort you had when they were your neighbors. Now the relationship is different.

We may hate a person, to whom we had good intimacy in the past. We may stop speaking to a person, to whom we had unlimited talking in the past.

The relationship between husband and wife at the time of marriage is not the same after few years. If a house wife is going to job, her relationship with her husband will change. Husband has to adapt to the change, otherwise there will be friction between the husband and wife.

If you do not accept the change in relationship, your relationship will be broken.

Relationship between same individuals changes due to following factors. Economy, Educational, Social status, Geography(re-location or moving to another city), Age, Body changes, Hobby, Self-Esteem, Ego, Career, Weather and fight among other relatives.

If your wife and sister have friction in their relation, it will definitely change your relation with both.

As long as you are comfortable with a person or your expectations are satisfied by the person you like to maintain the relationship alive. You know a person for so many years. If you record the moods you have when you are with him, you can see there are lot of changes in the mood.

Keep watching your relationship changes. You can maintain it.

Relationship is growing like tree grows. The reason for change may be anything. If the change gives comfort and good mood, it is positive change. If the change gives discomfort and the rapport collapsed, it is negative change.

You will come to know the value of a relationship only after killing it. If the tree is giving disturbance, do not cut the tree, instead cut the branches. It is very hard or time consuming to have another tree like that. It is applicable to relationship too.

Less expectation and a readiness to accept change and giving the freedom to say ‘No’ will maintain the relationship.

We should learn to maintain relationship at least to say ‘Hi’ when we meet in person by chance.

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Overcome False Fear and Subjective Failure

False fear can spoil your life. Many fears are false or subjective. A man ride his vehicle. He meets an accident. Luckily he survived with small wounds. Next day while driving he gets fear as he may meet accident again. Because of the fear he stops driving. Whenever he try to drive, he gets the driving phobia. This is false fear, it prevents the joy of driving. He has to overcome the false fear, drive normally.

Some time if you see some other getting accident, you may develop a phobia as you too may get accident. This is also a false fear, must be overcome.

Do not get stuck by your failure or fear. Many people quit or give up their study, research, entrepreneurship, and career advancement because of some subjective failure. If you fail in your current project, which is not a verdict as you will fail in rest of the projects.

When I was promoted to Manager, I did well. I received whole hearted support from my management. When I moved to next company, I was not able to perform well as Manager. Due to various office politics, I struggled to be a Manager. Then I started to convince myself as I am not capable of Leading people, I should work as subordinate only, Manager job is a tough, etc. It was a conclusion because of the recent ‘subjective failure’. I forget my past success.

This is actually a false fear. Even there are failures here and there, I have to keep maintaining my position and keep trying to advance it, rather than confining myself within a boundary, due to fear of struggles. Those who are leading, are never stuck by their failure in leading people.

Many executives when promoted to lead people, they may fail to command their sub-ordinates and not having proper chemistry with their superiors. So they may be considered as they are not capable leaders. Even, they may start to convince themselves as they are not. This is a wrong conclusion.

Under a positive situation or different scenario they will perform well. They should not convince themselves as suitable for junior position. They have to keep strive for better position even they are made to fail.

When people fail, they think they can not win for ever. Nothing is permanent. Many failures are subjective. People with lack of awareness believe that failure is permanent. They lead a failure life, even though they are capable of winning.

Identify such false fears. Kill it at the root. Live happily and bravely. This life, human mind, and body are beyond scientific measurements. They can perform any miracle. Just believe you are worthy of how do you like to be.

You may succeed in the past, which is also not a affirmation that you will succeed for ever. So never identify your position by your success and failure. Identify yourself as How do you like to be identified. You deserve what you desire.

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How to increase Programmers Productivity

To Programmer

Keep yourself energetic and relaxed. More you are relaxed and energetic you will have more productivity.

Do not check your email while working. If you are in bench or without any work, check your personal email, otherwise do not check it. The amount of strain and energy to read emails are more than what you think. Above all, the diversion from the work is very high. It will dilute your concentration in your office work.

Another important thing is never never use mobile phone while working. You are diverted from your work immediately. Continues use of mobile phone and checking personal email at work place gradually reduce your productivity in long run.

Stop working when you feel tired either mentally or physically. Have a small break as change then continue the work. It is good to take rest before you get tired.

If there is emergency, you can work extra time for one or two days, but never work over time often, which eventually reduce your productivity.

Take leave at proper intervals. Every three to four months take one week leave. Every year once have one month vacation if possible.

Sleep minimum of six to eight hours a day. You must have such life style and work style to have sufficient sleep.

Never engage in any part time or additional work unless your salary is very low. Programming is brain work. One mind one concentration yields better results.

When you do not have any work, please switch off your monitor and speak with your colleagues or listen to some music or get up from your seat and look around. Keep on starring the monitor and browsing the dirty web pages will waste your energy.

Every one or two hour wash your face, hands and legs.

To Management
Try to keep a working environment which is free from fear and relationship stress as possible you can.

If any programmer who is in project for more than three months to six months, give them one week forced leave. Change and rest will re-charge them.
Continues usage will result in low productivity.

If you find any good programmer, preserve him/her like anything. They are like missile hitting the target precisely. You do not know, how much stress and tension you will have when you are dealing with low quality fake programmers.

So if a programmer is not giving any work related tension to you, try to make him/her feel comfort in the office.

If possible give leave to programmers in bench. Empty mind is devil’s factory. Programmer in bench make dirty surfing and dirty mega downloads. They actually increase traffic and higher bandwidth, Which indirectly slow down the work of programming and project.

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Reduce Belly

Having big belly is not because of eating too much or not doing exercise. We can reduce belly even without doing exercise and diet control. Belly is coming out of wrong life style and wrong diet timings.

Here is how we can reduce belly without physical work out.

Eat Early in the Morning
Have your breakfast before 7:30AM in the morning. If you delay or do not have breakfast in the morning, the HCL acid starts secreting in the stomach. It starts interacting with the bowls and release gas. This gas fills your belly and blow it little bit. Eating early in the morning avoids gastric stimulated blown belly.

Observe your environment, those who used to complete breakfast early in the morning may not have belly. Well if you are not able to see any body who wakes up before 7:30AM…OOPs.

Eat in Little Quantity
Eat in little quantity in more intervals than stuffing too much at a time. This also increase the size of the bowl and eating more becomes the habit, we do not have the feeling as bowl filled. We increase its size by eating more at a time. Not eating more keeps the bowl size normal.

Eat Early in the Evening
Finish your dinner before 7:30PM in the evening. Go to bed by 10PM exactly. So before you go to sleep the food stuff in your stomach would be almost digested.

Stop thinking too much
Thinking too much or having over brain activity syndrome may lead to increase belly. Thinking without sleeping increase acidic activity in stomach which ultimately lead to have big belly stimulated by gastric.

Sleep Sufficiently
Sleep 6 to 8 hours per day. You are not eating and thinking when you sleep, so sleep more.

You can reduce your belly if you follow the life style mentioned above. In the long run, without any physical exercise, you can reduce belly.

I have seen few people who follow the pattern in their life and their life style allows them to follow it. They do not have big belly. They have flat belly. They do not do any exercise to reduce belly or burn fat.

I write this not out of my first hand experience, this is my second hand experience.

I am not following anything mentioned above. I do not have a flat belly, having ‘little big belly’. I am not trying to reduce my belly. My life style does not allow me to follow it.

I observe that the people who follow such pattern, have no need to reduce belly.

Observer your environment as who have reduced their belly without doing any exercise and diet control. Observe their diet timings and diet pattern. The person you observe must be more than 40 years old.

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Shakespeare’s literature reflects Elizabethan Society

Anyone interested in knowing the royal life style and the character traits of the Elizabethan society, you can read Shakespeare Plays.

Macbeth shows the hierarchy practiced in the kingdom. Knights were allowed to keep their own army and wealth. When a king moves, what are the living and non living accessories accompany him is visible in macbeth. When Duncan moves to Macbeth palace, it is described.

Well, the three witches. It shows the level of black magic accepted in the Elizabethan Age. Macbeth the general, having command over huge army, is highly disturbed by the oracle of witches. Either Macbeth is mentally weak to listen the witches words or it is a society where witches are treated with high reliability.

Macbeth, King Lear, Hamlet, Othello and etc. are written woven around royal characters and their life.

Shakespeare was good in defining a character of his age and makes it common for all the ages.

Well, If you study the works of Ben Jonson a contemporary of Shakespeare, you can come across the pompous of the royal people and the court. He has a satirical flavor in his writings. He writes for the masses of the Elizabethan age. Shakespeare writes for the Royal people of Elizabethan society.

Ben Jonson was more popular than Shakespeare during the Elizabethan age. He is more popular among masses. His comedy can be understood if you know the society and life style when it was written.

So as the age passes, Ben Johnson fades slowly, whereas Shakespeare stand forever because of his everlasting characters.

To be honest, works of Ben Johnson describes the Elizabethan England more than Shakespeare.

Jane Austen novels reflects Victorian age of England. The plots of her novels written woven around marriage market, the hunt for young men with estates, and plight of parents who have more daughters.

The love, romance, and marriage practices of middle and upper class life of Victorian England can be sensed through Jane Austen’s novels.

Look Back in Anger by John Osborne reflected the economic conditions prevailed in England after World War II.

There was no proper opportunity and employment for youngsters of 1950s England. In the history it was written as Allied nations defeated Axis nations in the world war II. But in true both group of countries lost their strength, prosperity in the war. If you study Look back in Anger, you can understand though England won the world war II, but defeated economically. The anger 1950 youths of England is register in the play Look back in Anger.

Today’s novels and literary work will reflect the current culture, society, economy, overall temperament of the people to the next generations.

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True Financial Freedom

Can man free from money? Is financial freedom possible?

Everybody has their own views for money. Is spending less than the earning can be a way to financial freedom? Is buying lot of assets financial freedom? The bank deposit, assets and everything will vanish once you stop earning. They are not sources for freedom from money.

Is secured Job and Salary give Financial Freedom?
Don’t think your salary is consistent, because you cannot work forever. Paycheck is the rental for the time you have been utilized in a particular domain, where you are specialized.

If you spend your time to earn, you will not have time to spend. If you are not spending, you are not living. You will become machine. Machines don’t live, don’t spend but earn for others.

Reducing the expense within our earning limit isn’t a way for financial freedom. It is a self-torture.

Financial freedom is not living without money. It is living without worrying for money.

Saving and Investment
Money saved will be spent in the future. Money converted to asset and asset will be re-converted to money. Investment is just a transformation. There is no permanent state for money. Money neither can be destroyed nor created. It can be transformed from one state to another. Saving is a myth. It does not happen practically.

How can we attain financial freedom? How much we earn, will be spent today or tomorrow. More we spend more comfort and more standard of living. Everybody has own saturation and satisfaction level for standard of living. So ‘how much to earn’ differs from person to person.

It is the ability to earn consistently is the real way for financial freedom. Our standard of living will fix ‘how much’ we have to earn. We must be able to earn that amount consistently forever. Not today, tomorrow, day after tomorrow, consistently forever we have to earn. Volume of the amount is not an issue, but how long we are able to generate the income, which is important.

We are financially free if we know how much to earn and make it consistently. People who are financially free have such ability.

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Carbon Capture and Storage(CCS) may harmful to Trees and Photosynthesis

Trees and Plants need Carbon dioxide for photosynthesis. If CCS removes ‘carbon’ dioxide, plants may not do photosynthesis. We will not get fresh oxygen and food if no photosynthesis happening.

Carbon Capture and Storage will filter the carbon in the air. We are not sure is it going to remove all the carbons or excess carbon causing global warming.

Carbon dioxide is important for photosynthesis. Plants absorb carbon dioxide from air and release oxygen during day time.

If CCS filters the carbon in the air, How will the photosynthesis happen without carbon. Oxygen will not be released and Agricultural food products will not be produced if photosynthesis is not happening.

If there is no carbon in the air or less carbon in the air, may affect Plants.

The consequences of artificial removal of carbon may show some manageable negative sign, but is should not be a nemesis. CCS is like a pain killer, which I already mentioned in my previous article, but the side effect of the pain killer should not kill the patient.

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Buy Home for your Retirement – Reverse Mortgage Loan

Club the Housing loan into Retirement plan

Buying a home is a simple and easy way to retire. You do not need to save separately for your retirement.

There are lots of retirement plans and policies available for private sector employees. Out of the salary some money has to be allotted for retirement if you have enrolled in any retirement scheme.

Now you do not need to look into such policies or worrying about retirement.

Buy a home now. Pay its EMI. Live in your home without house owner harassment or often need to change your whereabouts. No need to pay sky scrapping rent. Let the EMI be your rent. You live in your own home.

When you become old, you would have completed your housing loan EMI and the house will be yours completely. At the same time you would not have any money or bank balance when you stop earning due to aging.

Now club the Housing loan into Retirement plan. If you already owning the house club the house into your retirement.

The only value you possess is your home. Do not sell it to manage your retirement expenses.

Do not pledge your home for loan against property where you have to pay your EMI monthly for the principal amount you get.

Just Reverse Mortgage your home.

Reverse Mortgage loan is given against the equity of your home. You do not need to repay the principal amount, which means no EMI. You do not need move out your house. Even though it is mortgaged, it is your home. You can live in your home as long as you like or till you die. The creditor or bank will issue the loan amount in periods for example monthly.

In reverse mortgage loan, it is like you are selling your home, get the cash periodically, but you do not need to vacate from your home till you are alive. You are allowed to live in your ‘sold’ home provided you enjoy the privilege of a house owner.

You get your retirement security from your home through Reverse Mortgage Loan.

Once you are dead, the creditor or bank will ‘realise’ the loan amount from your house.

There is a philosophical touch in this Buy a Home and Reverse Mortgage It.

When Alexander The Great die, he said ‘let my hands be visible to the public from my coffin. So people could know that I do not carry anything with me’.

In the same way, we possess something for the comfort of our living. We use and enjoy it till we are alive. When we die we give up our possessions. We die with the empty hand. We born empty and die empty. We are not bounded to any property.

If you are buying a house, do not worry about your retirement or do not save for your retirement. Let the EMI of housing loan be your retirement saving.

If you have a house, you do not need to depend on Government or no need to blame government for your retirement. Your house covers your retirement.

Verify this information by cross checking with your bank.