∆π SMART OR STUPID π∆

17 for the first try
then 28

​​

Two seeds lay side by side in the fertile spring soil. The first seed
said, “I want to grow!” I want to send my roots deep into the soil
beneath me and thrust my sprouts through the earth’s crust above me. I want to unfurl my tender buds like banners to announce the arrival of spring. I want to feel the warmth of the sun on my face and the blessing of the morning dew on my petals!"

And so she grew?

The second seed said, “I am afraid. If I send my roots into the ground below, I don’t know what I will encounter in the dark. If I push my way through the hard soil above me, I may damage my delicate sprouts. What if I let my buds open, and a snail tries to eat them? And if I were to open my blossoms, a small child may pull me from the ground. No, it is much better for me to wait until it is safe.”

And so she waited?

A yard hen, scratching around in the early Spring ground for food,
found the waiting seed and promptly ate it.

Moral: Those of us who refuse to risk and grow get swallowed by life.
A New Ending

@B@R_0_0_D wrote:

​​


Two seeds lay side by side in the fertile spring soil. The first seed
said, “I want to grow!” I want to send my roots deep into the soil
beneath me and thrust my sprouts through the earth’s crust above me. I want to unfurl my tender buds like banners to announce the arrival of spring. I want to feel the warmth of the sun on my face and the blessing of the morning dew on my petals!"

And so she grew?

The second seed said, “I am afraid. If I send my roots into the ground below, I don’t know what I will encounter in the dark. If I push my way through the hard soil above me, I may damage my delicate sprouts. What if I let my buds open, and a snail tries to eat them? And if I were to open my blossoms, a small child may pull me from the ground. No, it is much better for me to wait until it is safe.”

And so she waited?

A yard hen, scratching around in the early Spring ground for food,
found the waiting seed and promptly ate it.

Moral: Those of us who refuse to risk and grow get swallowed by life.
A New Ending

Thanks from r posting the pic, which I have lazied.

Someone asked Sri Ravi Shankar How to develop our personality ?

@Ashwin

@Gr@h@m@lkene™

@Aarya

@Troll

@hese

@prinkle

@gsh57

@cm4444
@bumblefoot

@rajdesidime

@Venkat

@cancob

@billa.jit947@

@soccergiants

@Smarty

@mr.lonely

Sri Ravi Shankar:
To develop your personality, you have to spend five days to have these five experiences to really blossom in your life.
You can develop your personality with these five experiences.

You have to sincerely play these five roles:

1. The first role which I would recommend to you is to be a School Teacher.

To teach lessons to children who are not learning, you need a lot of patience. Being a nursery or primary school teacher, even for one day, you will see how you have to increase your patience.

2. Be a Gardener or spend a day with a Farmer.

If you are sowing the seeds, if you are watering the plants,
you will know how you must care for water, earth and the environment. You will have a feeling for the environment. You will value food and you will not waste food.

You know, what we do?
We bring so much food, and we put it in the fridge and, after a few days in the refrigerator, we throw the food. We are wasting millions and millions of tons of food every day. We should not waste food. This we will learn if we spend one day being a farmer or a gardener.

3. You should spend a day in the mental hospital.

Whatever people talk in the mental hospital, you don’t mind.
If they scold you,
if they blame you,
if they curse you,
will you mind?

You don’t mind because you are aware that this person is mentally sick. You know that many people are outside the hospital, but that does not mean they are mentally well. So, in life, you come across people who blame you for nothing, who are jealous or angry, who say things that make no sense. Then, you know, you will have the patience to deal with them with a smile. You will not take the garbage inside and spoil your mind.

So one day if you spend in a mental hospital, you will know how to save your mind. You will stop being a football of others’ opinions.

4. One day you must go to a prison. Maybe it is shocking to you.

You don’t have to do a wrong thing to go to a prison. Just go visit a prison, spend a little time with the prisoners.

You will understand what compassion is.
What helplessness is.
Those people made a mistake without awareness.. And are now paying the price.
From them you learn to be mindful of your actions.

5. There are terminally ill people in the hospital.

One day with them, and you will realize how precious life is.
And you will start valuing health. You will eat better, you will exercise. You will do all that is needed to be more vibrant in your life.

With these five days what would be the outcome?

I guess from these five days you will become
More Vibrant,
More Alive,
More Loving,
Compassionate and Active.
🌾🌾🌾🌾🌾🌾🌾🌾🌾

Point 3 to be noted for sure.

@B@R_0_0_D wrote:

Someone asked Sri Ravi Shankar How to develop our personality ?

-—

@Ashwin

@Gr@h@m@lkene™

@Aarya

@Troll

@hese

@prinkle

@gsh57

@cm4444
@bumblefoot

@rajdesidime

@Venkat

@cancob

@billa.jit947@

@soccergiants

@Smarty

@mr.lonely

Sri Ravi Shankar:
To develop your personality, you have to spend five days to have these five experiences to really blossom in your life.
You can develop your personality with these five experiences.

You have to sincerely play these five roles:

1. The first role which I would recommend to you is to be a School Teacher.

To teach lessons to children who are not learning, you need a lot of patience. Being a nursery or primary school teacher, even for one day, you will see how you have to increase your patience.

2. Be a Gardener or spend a day with a Farmer.

If you are sowing the seeds, if you are watering the plants,
you will know how you must care for water, earth and the environment. You will have a feeling for the environment. You will value food and you will not waste food.

You know, what we do?
We bring so much food, and we put it in the fridge and, after a few days in the refrigerator, we throw the food. We are wasting millions and millions of tons of food every day. We should not waste food. This we will learn if we spend one day being a farmer or a gardener.

3. You should spend a day in the mental hospital.

Whatever people talk in the mental hospital, you don’t mind.
If they scold you,
if they blame you,
if they curse you,
will you mind?

You don’t mind because you are aware that this person is mentally sick. You know that many people are outside the hospital, but that does not mean they are mentally well. So, in life, you come across people who blame you for nothing, who are jealous or angry, who say things that make no sense. Then, you know, you will have the patience to deal with them with a smile. You will not take the garbage inside and spoil your mind.

So one day if you spend in a mental hospital, you will know how to save your mind. You will stop being a football of others’ opinions.

4. One day you must go to a prison. Maybe it is shocking to you.

You don’t have to do a wrong thing to go to a prison. Just go visit a prison, spend a little time with the prisoners.

You will understand what compassion is.
What helplessness is.
Those people made a mistake without awareness.. And are now paying the price.
From them you learn to be mindful of your actions.

5. There are terminally ill people in the hospital.

One day with them, and you will realize how precious life is.
And you will start valuing health. You will eat better, you will exercise. You will do all that is needed to be more vibrant in your life.

With these five days what would be the outcome?

I guess from these five days you will become
More Vibrant,
More Alive,
More Loving,
Compassionate and Active.
🌾🌾🌾🌾🌾🌾🌾🌾🌾

Nice

@Gr@h@m@lkene™ wrote:

Point 3 to be noted for sure.

Point noted but read other points too

What about 6th day in DnD ?

Plz Share your Result

"@ISO":http://www.desidime.com/users/199811 wrote:

Plz Share your Result

+1
but where’s your?
:p

@B@R_0_0_D wrote:

What about 6th day in DnD ?

Try to become like @B@R_0_0_D once in ur life and share the results

image uploading site

@@Mia wrote:


image uploading site

How many attempts ?

After second attempt marks are for copying !

@asoka wrote:

@B@R_0_0_D wrote:

What about 6th day in DnD ?

Try to become like @B@R_0_0_D once in ur life and share the results

Which result ?

Of 6th day or of test ?

@B@R_0_0_D wrote:

@asoka wrote:

@B@R_0_0_D wrote:

What about 6th day in DnD ?

Try to become like @B@R_0_0_D once in ur life and share the results

Which result ?

Of 6th day or of test ?

@@Mia wrote:


image uploading site

Edit (For image upload issue)

@B@R_0_0_D
3rd point…..!!
seems to be very much true…..!!!!

Seven Safe Steps to Optimizing Your Credit Cards

Everyone has credit cards, but most people don’t understand how they really work.

Me — I’m the kind of crazy person who likes reading the Terms and Conditions booklet that comes with every credit card. It can be lonely, so here I am sharing my thoughts on how to optimize your credit cards. Here are the risks, the rules and the rewards.

Hopefully they’ll help you understand your credit cards better — so you can avoid common problems. And can use them for your maximum benefit.

1. Learn The Risks

Many famous personal finance advisers highly discourage credit cards. For good reason. Here are the three main risks:

Finance charges — The infamous 18% interest (per year) that banks charge if you don’t pay on time.
Late payment charges — In addition to the 18% interest, the banks also hit you with additional fees if you don’t pay on time.

Uncontrollable spending — Countless people around the world end up in debt and become broke because they can’t stop themselves from swiping their credit cards. Better to stay away if you don’t have discipline.

Don’t treat credit cards like an ATM machine. Treat them like the velociraptors in Jurassic World. They’re cool but dangerous creatures.
You only get to play with them if you’re in control.

2. Pay The Monthly Balance in Full, On Time

The most important rule in credit card usage is this: Pay the bill in full. On time.
Ignore all the “minimum payment” nonsense. If you pay only the minimum, every month you get hit with interest charges which just makes your debt bigger and bigger.

Understand that if you can’t afford to make the full payment, you can’t afford those things you’re swiping your card for. Reduce your spending to match what you can afford.

“But what if I’m already deep in credit card debt? How do I get out?”
Glad you asked. That’s beyond the scope of this article, but check out my friend’s story on how he got out of 60,000 credit card debt here.
Feed your credit cards on time every month. If not, you’ll get bitten.

3. Get All Your Fees Waived

In today’s competitive card market, nobody should pay annual fees.
That’s because most banks are actually happy to waive them. All you have to do is call the number at the back of your card and ask. If they refuse, politely inform them that you can’t afford the fees and need to cancel the card. Then — they’ll usually waive the fees.
I’ve heard of certain foreign banks refusing to waive annual fees. But that’s OK. You can go ahead and cancel them. Local bank cards have better benefits than the foreign banks anyway.
Here’s another tip you should remember. In case you forget to pay your bills on time, and get hit with some charges: Just call the bank and ask them to waive it. If you have a good payment history like you should, and make the due payment asap — they’ll likely waive it too.

4. Understand your Credit Card Bill, and Billing Date
Every month, banks bill your credit cards on a fixed date. For my cards (Maybank and Alliance), it’s always the 12th of every month.
From billing date, you get 20 interest-free days to pay the bill. If you don’t pay within this period, you start getting charged interest. That means I have to pay my credit card bills by the 1st of every month.

Knowing your billing date lets you “time” your major purchases. For example, if I wanted to buy a pair of tickets to an upcoming Bon Jovi concert:

If I buy the tickets early in July (before the 12th), the transaction will likely show up on my bill on 12th July. I then have to pay for the tickets within the next twenty days. By the 1st of August.
If I need a bit of time though, I can choose to purchase the tickets on 13th July. That way, the transaction will only appear in next month’s bill on 12th August. And I only need to pay on the 1st of September. I’ve effectively increased my interest-free period to about 50 days.

If you have multiple cards (and if your banks allow it), call them and arrange all your cards to be billed on the same date. That way, you don’t get confused with different dates to pay.
p.s. The last time I tried to do this with CIMB bank, they refused — saying the billing date was fixed. But give it a try. Maybe if enough people ask — they’ll start doing it.

5. Maximize The Benefits: Cashbacks And Points

The two most common credit card benefits are cashbacks and points. Here’s how to optimize them:
Cashbacks

Cashbacks are free money the bank gives based on your spending. For example, if my card has a 5% cashback on petrol, and I spend RM 200 on petrol — the bank credits RM 10 back into my account.
Most cashbacks are conditional. Some cards only give you cashbacks on groceries. Some only give you cashbacks on weekends. Some limit your cashback to RM 50 a month. Which reminds me — my friend recently used his credit card to pay the downpayment on his home. It was an unlimited 1% cashback; the bank gave him ~RM 1,400 from that one swipe.
Understand which cards give you cashbacks for your own situation. Then you can choose the correct card to use.
This applies to discounts too. Certain shops give you a discount if you pay with a certain credit card. Don’t be shy to ask: “Any credit card promotions?” when paying.
Points

Basic cards give you one point for every Ringgit you spend. Great cards give you 5x points or more.
Like uncontrolled spending, credit card points can quickly add up. Especially if you use your cards for business or work.
A few months ago I discovered I had accumulated about 750,000 worth of credit card points over 5 years. At that point in time, the (Maybank) exchange rate was 250 points = RM 1. So I exchanged that for RM 3,000 worth of free stuff.
The exchange rate isn’t always so good. Check your bank’s points redemption page for the updated rates. Sometimes banks hold “Redemption Fairs” at shopping malls — where they offer special exchange rates.
Credit card points expire. Unless they’re stated as “timeless”. Make sure you exchange them for stuff before the expiry date.

6. Use 0% Interest Payment Plans (If You Can Afford It)

Let’s say you have money and want to buy something expensive. Like a big Italian leather sofa.
The coolest thing to do at the furniture store is to pay using a thick stack of cash. Like a boss.
The wiser thing to do is to sign up for a 0% interest payment plan on your credit card. Firstly, because it’s not safe walking around with thick bundles of cash. Secondly, because you get points and cashbacks from your card. And thirdly, it’s good for your cashflow.
These plans usually come with a minimum of 6-months, or if you’re really lucky — they can stretch as long as 36-months, interest-free. Now you can keep your big sum of money in the bank (or in some other good investment) and slowly pay off the balance every month. It’ll appear in your credit card statement looking somewhat like this:

Most stores which sell “expensive stuff” like furniture, home appliances, and mobile devices accept 0% interest payment plans.
Note that these plans are very different from blindly swiping, and then paying the minimum balance. Here, you don’t pay any interest at all. Just make sure you have enough money to pay on time every month.

7. Learn from the Masters

This article just covers the absolute basics of credit card optimization. For further information:

RinggitPlus has a very good card comparison page, which prominently shows you sign-up offers: free gifts you get when your credit card application is approved.
iMoney‘s card comparison page isn’t bad either. A worthy second opinion. What they’re really good at though, is their Learning Center.
And finally, I would never have developed my passion for credit cards without GenX GenY GenZ‘s website. The ultimate authority on credit cards here.
If you’re interested to learn more about Malaysian credit cards, you won’t go wrong with the three sites above.

@Magus @thrifty_indian @srocks @prinkle @krishan42933

@B@R_0_0_D wrote:



@Magus @thrifty_indian @srocks @prinkle @krishan42933

Thank you bro

@PENGUIN TIWARI @lekhwani

Baby giraffes never go to school. But they learn a very important lesson rather early in life. A lesson that all of us would do well to remember.

The birth of a baby giraffe is quite an earth-shaking event. The baby falls from its mother’s womb, some eight feet above the ground. It shrivels up and lies still, too weak to move.

The mother giraffe lovingly lowers her neck to smooch the baby giraffe. And then something unbelievable happens. She lifts her long leg and kicks the baby giraffe, sending it flying up in the air and tumbling down on the ground.

As the baby lies curled up, the mother kicks the baby again and again until the baby giraffe, still trembling and tired, pushes its limbs and for the first time learns to stand on its feet.

Happy to see the baby standing on its own feet, the mother giraffe comes over and gives it yet another kick. The baby giraffe falls one more time, but now quickly recovers and stands up.

Mama Giraffe is delighted. She knows that her baby has learnt an important lesson:

Never mind how hard you fall, always remember to pick yourself up and get back on your feet.

Why does the mother giraffe do this? She knows that lions and leopards love giraffe meat. So unless the baby giraffe quickly learns to stand and run with the pack, it will have no chance of survival.

Most of us though are not quite as lucky as baby giraffes. No one teaches us to stand up every time we fall. When we fail, when we are down, we just give up.

No one kicks us out of our comfort zone to remind us that to survive and succeed, we need to learn to get back on our feet.

This message is to everyone who hasn’t given up and those who will always have the courage to get back , dust everything off and start again.

Get up. ..stand up…

+++++++——-

@Aarya @DimerAbhi

@B@R_0_0_D wrote:



@PENGUIN TIWARI @lekhwani

Khud ki hi kitab likhlo aur roz uska lekha joka ker lo saki.
Zindagi gulzar ho jayegi