Friday, August 14, 2020

Objective Truth- Smoking is injurious to health

 Smoking is injurious to health: I was active in games and sports.

In my teens I played table tennis, cricket and was an avid cyclist which developed my physical stamina immensely.

I joined the army and was commissioned into Bengal sappers as a young 2nd Lieutenant.

I was active in all outdoors activities and enjoyed a healthy lifestyle with the occasional drink in the evenings.


I also picked up the habit of smoking when I was attending a course in Pune. The daily runs and physical training were not a part of our daily routine and life went on till I was detailed for a short course in Counter- Insurgency and Jungle warfare in Mizoram

As part of endurance training, the first of the three one mile runs was conducted. It’s called the triple M- MMM( Mathew Mad Mile).

I was confident I could do the run in an excellent time. The run started and I started with confidence.

Very soon I realised that I was panting and struggling for breath. The whole body was protesting. I was sweating profusely, my stomach was cramping and there was a shooting pain in my abdomen.

I slowed down and continued running. An asthamatic diabetic could have done better than me, that is what I felt then.

The terrain was challenging. Starting on a flat smooth surface, we hit an incline and running up an incline  slowed me down to a walk as fitter guys went past me.

Next there was a steep descent from the road to a narrow hill path. Slipping and sliding I descended  down the ‘kuccha’ path even as my knees were subjected to a kind of strain they had never experienced in life.

My lungs were on fire, there was excruciating pain in my abdomen and I was just staggering along in sheer agony.

After descending down a few hundred feet, we reached a flat road but less than 50 meters later we were faced with an enormous climb up a narrow, hill path. If ever I have experienced hell, this was it.

I used to pride myself on running up an incline but this sheer climb reduced me to a ragged beggar craving and gasping for air. 

My breathing became a loud jarring noise as I struggled to inhale oxygen and it was horrible.

I barely noticed a few others who had stopped and were vomiting all the food from their last dinner. I was tempted to stop too but I carried on, forcing myself to put one step up and then another and kept going.

Finally, we climbed up to a road and hit the home stretch. I looked up and found a few miserable souls ahead of me. The fitter ones had disappeared but I couldn't care less

I tried to accelerate to catch up and overtake them but quickly gave up on the stupid idea and started struggling to just stay upright. I was determined to complete the run

I barely managed to complete the run in a satisfactory time. The Mathew Mad Mile run had dented my confidence and I was gutted.

Later that evening, I was reflecting upon my poor performance, even as I was sipping a glass of whiskey with soda and smoking a cigarette.

That is when it hit me like a bolt.

I suddenly understood the reason for my poor performance. It was the cigarette, aka the stamina stick in the smokers' circles, that was the root cause.

In the midst of a deep inhalation I decided to give up smoking for a week and see if I do better in the second MMM run that was a week away.

I abstained from smoking for a week and ran the second MMM and then the third in excellent timings.

This was a lesson I learned the hard way and have abstained from smoking ever since. Smoking kills your health, and does it very effectively and ruthlessly

Thursday, August 6, 2020

Udhay govind version 2.2

Udhay Govind is a well-known face in the world of digital marketing.

Udhay is a successful blogger writing on a bunch of niches made famous by him and runs a successful content writing portal called 9-rites, which trains people to become content writers.

Quite a few names have emerged from his training portal and have made a name for themselves in the online world as writers, successful bloggers, marketers, online consultants, coaches and owners of digital agencies. 

Udhay believes in transforming peoples' lives by making them challenge the status quo, drag them out of their comfort zones, and bring about a disruption in their unsatisfactory lives to take off in a career of their choice.

The Wire caught up with Udhay Govind in the mountain lake resort at Nainital as he was preparing to start for the final day presentation of the 3-day long re-union of Mediators and content writer's festival with a very close-knit group of very similar type of personalities called Mediators

udhay govind

The interview was long and we managed to put together his views on various subjects close to his heart.

Personal Transformation- I am a changed man, transformed beyond belief in the last 5 years. I weigh a healthy 77 kilos, have a well-toned body strengthened by years of calisthenics and breathwork. The skin is supple and clear and I look young and feel energetic.

In the year 2020, in the midst of the infamous Covid-19 pandemic, I realized I was at the crossroads of life. The salary as a manpower consultant had stopped coming and I was forced to spend months indoors in a global lockdown

Feeling depressed and beaten, I was about to give up when I got a life-line in the form of an app called Wim Hof Method. I started working on my breathwork. I realized the secret to any change within lay in the way I breathed. After a few weeks of 40 min of breathwork every morning, the depression lifted and I began to feel happy and energetic. I was ready for a massive change.

Happy and energetic, I started looking at digital marketing as a career choice again. The legend, Deepak Kanagaraju was offering a revolutionary 12- week cash back online internship and I grabbed it with both hands.

Also available was a 10-week cashback course on content writing by the great Sanjay Shenoy and l was convinced that July-2020 was going to change my life. I focused on learning and implementation. The money started flowing in quickly. I quickly reached 1500USD a month and within 6 months I was earning 5000 USD lacs a month.

By 2022 I was making more than 5000$ a week and since then have never looked back. Blogging, Affiliate marketing, mentoring, consulting have been the pillars of my online earnings. In 2022 I re-activated the 9rites website and have enjoyed immense success.

I have a spacious flat in Chennai and a farmhouse in Hosur
I have a modest office in Chennai where my accounts team and the customer relation are seated. The content team mostly works from home and remote locations. The operational team conducts online classes and students gather once a month for discussions, clarifications and group activities.
 

The great Wim Hof is the reason why I underwent the transformation so effortlessly mainly because I did his breathwork method every day. I learned the art of happiness, strength, and health from him.

Financial Freedom- In 2020 I'd have been happy with 80k a month but Deepak motivated me to think big and Sanjay Shenoy showed me the ropes to be a successful content writer. I aspired to earn INR 5 lakhs a month but now I am making more than 10000$ a week and I work 4-6 hours a day

I earn in hundred and thousands of US dollars, Euros and spend in India in Indian Rupees.

Interestingly, I was able to understand the potential of cryptocurrency in 2020 and have been mining Pi( a popular and highly successful cryptocurrency). My hunch was right and my accumulation is large enough to support my investments, businesses, and payments without having to depend on the conventional banks and central banks.

I believe in self- sufficiency and don't trust the government to hold my hand.

I understood my lessons well and created an ecosystem where I delegate work and personally find time to research and improve. The concept of cashback internship has been developed and honed and has been a major disruptor in the field of e-learning 

The methodology of training- First we encourage entrants to understand their personalities. 

We're able to identify talent and latent skills. Before we start working on their skills we help them train themselves to reach a mental state of mind where they are happy and energetic

Then begins their transformational training as the interns learn to step out of their comfort zones and do a lot of experimentation.

We support them and teach them to make light of failures by encouraging them to think long term. You can say we train marathon runners, not sprinters

Personal routines-  I am a dynamic meditator and believe in focusing on what I need to do to evolve quickly as a human being.

Personally, the Wim Hof method has worked for me. I started with breathwork and then started taking cold challenges.

I also started working on my physical strength by doing calisthenics, suryanamaskar, slow jogging, sun gazing, fasting, etc.

Future projects- Following the successful results with younger people we're now focusing on people over 60 and luring them out of retired, sedentary lives to live a life of happiness, strength, and good health.

Afforestation is dear to me. We're working with global partners to plant trees and vegetation to support wildlife and agrarian communities. 

We're going the crowdfunding way to generate funds for these projects. We've selected barren stretches of land in India and created water bodies around them

We have created agrarian ecosystems to enable the local farming communities to do farming and eke out a decent living by selling their produce to local villages and towns. 

We've taken on lease land from ex-servicemen and landlords to cultivate cash crops with the help of local farmers. We have collaborated with global partners who provide technical support and expertise to develop forests and agricultural farms.

We're hiring pathfinders to find innovators and inventors and encouraging them to begin start-ups that can benefit the world from their brilliant ideas and innovations. 

All of these initiatives and ventures are supported by content writing portal 9rites

Lifestyle- The world is a global village and I am able to reach out to like-minded people everywhere in the world. Digital marketing has turned the business world on its head. 

I live a minimalist life when I'm alone and with friends I turn on the party beast mode. My needs are few. I meditate a lot, eat once a day, avoid alcohol, work at my own pace, exercise regularly to strengthen my core, create wealth for all by evenly distributing it within the ecosystem.

I practice gratitude every day of my life. This has been instrumental in manifesting miracles in all areas of my life 

Now that I'm transformed, my old friends are very few but I am developing a legion of new friends who think like me and believe in a life of happiness, strength, and good health. My family is dear to me and I spend a lot of time with my wife and children. 


This was all we had time to gather from a very friendly Udhay as his time taken up by his fellow Mediators. A lot of activities were on and soon Udhay became busy with his friends and invited me to join in the celebration. Notable attendees were Deepak Kanagaraju, Sanjay Shenoy, Kaamna Jain, and Krishna 

Thursday, November 7, 2019

mportant AWHO Nos Direct dial with extn

IMP NOTICE : DAIL DIRECT/EXTN NO FOR QUERIES RELATED TO DIFFERENT SECTIONS
SECTION QUERIES REGARDING DIRECT/EXTN
NOS.
MKTG Issuance of Booking letter/Allotment letter, Tfr of
Regn, Availability of dwelling units, Issuance of
Co-borrower Certificate for joint loan, Extension for
payment of Instalment, Issue of duplicate
allotment/booking letter, Mutual Exchange,
Change of Station and Type of Dwelling Unit,
Change of Nominee, Address, Mob No/E-mail ED,
Fixation of Seniority, Wailing List, Procedure for
withdrawal before issuance of Booking Letter and
after issue of Booking Letter, Application for
additional Car park, Issue of Handing/taking over
instrs, Clearance Letter
011- 23017768
325, 342 & 335
L&L General queries about eligibility & procedure of
applying, Info regarding ongoing projects,
projects under planning, Status of application
for regn under all the schemes, Issue/signing of
NOC/Tripartite Agreement for availing loan for
both Ongoing and Closed projects, Issuance of
Loan Clearance Letters, Gen
queries/requirement of addl project related
docus relating to non-sanctioning of loan, Nonreceipt
of AWHO Master Brochure, Issue of
Gate Passes.
011- 23014039
243, 228, 244 &
245
F&A Payment procedure through Bank/E-banking,
Payment receipts, correctness of IRLA, Taxes
& Refund Cheque on withdrawal
011- 23012031
011- 23014228
319, 329, 334,
344,
PLANNING Commencement of construction work, Reasons
for delay in completion, Building Plans,
Completion Certificate
011-23019294
011-23793653
337, 347, 331
SECY Complaints/petitions, Society/legal matters &
Succession case of unregd flats.
312 & 343
LAND NOC for sale/purchase, Succession cases of
regd flats, gift of AWHO property and Sale of
Land Parcels
011- 23017247
330
EDP Login issue in website 248

Dinesh Vihar OMR Ph-II

Update 08 Nov'19
In response to demand survey for Dinesh Vihar OMR Chennai PH-II, 

ARMY WELFARE HOUSING ORGANISATION (AWHO)
Kashmir House, Rajaji Marg, New Delhi – 110011
Website : www.awhosena.in

DEMAND SURVEY FOR AWHO HOUSING PROJECT AT
DINESH VIHAR, OMR CHENNAI PHASE-II FROM 09 SEP 2019 TO 07 NOV 2019

1. Phase I of Dinesh Vihar, OMR Chennai project consisting of 852 DUs in 06 towers has been
completed and handing over of DUs are in progress.
1. 2. AWHO announces a Demand Survey for its housing project at OMR Chennai Phase-II from
09 Sep 2019 to 07 Nov 2019.

 Applications are invited from Army personnel (Serving / Retired), Widows
and parents of battle/ fatal casualties personnel who are in receipt of family pension alongwith demand
draft for Rs 10,000/- in favour of MD, AWHO before/ by 07 Nov 2019 as commitment money.
 Application should include Rank, Name, Personal No, Date of Birth, Address, Contact details, e mail ID, name of NOK
etc.
Format of the application for Demand Survey is available on AWHO website.

3. Location. Site is located approximately 27 Kms South of Chennai City on the Old Mahabalipuram
Road. It is located within the fast developing suburb of Chennai off OMR Road, Navalur (Thazambur
Village) in the vicinity of one of the top INFOTECH destinations of the country.
4. The tentative details of the scheme are as under :-
Ser
No
Type of DUs Nos of
Tower
Nos of DU Super Area of
DU (Sq Ft)
Approx Cost of
DU (Rs in
Lakh)
(a) Luxury 1 116 1950 88.75
(b) Super Deluxe 3 348 1630 74.20
(c) MDA 1 116 1125 51.20
(d) MDA & SFA 1 MDA-116
SFA- 58
MDA-1125
SFA-900
MDA-51.20
SFA-41.00
Total 06 754
5. Features.
(a) To reduce building footprint & maximize openness of site (Approx 11% Tower coverage, similar to
Phase-I).
(b) Tallest Tower by AWHO To-Date, maximizes good views & ventilation.
(c) Two Level carpark podium which is naturally ventilated.
(d) Swimming pool (environmental deck) over carpark podium.
(e) Bridge connections from each block to landscape deck for ease of E-Deck amenities by residents.
(f) Along with phase 1, this development aims to be the most unique AWHO housing
Development To-Date, with integrated facilities at a prized location.
(g) Entrance foyer for better privacy & transition.
(h) For 3 & 4 BHK Units, one Bedroom with external & internal entry provides flexibility of usage.
(j) Good cross ventilation provision for units.
(k) Adequate AC ledge provision to ease installation by home owner.
(l) Utility balcony provided for washing and cloth hanging.
(m) Club House.
2
6. Proposed Unit Plan of Phase-II can be perused on AWHO website (www.awhosena.in).
7. Fixation of Seniority. All applications received during the announced demand survey period shall be
treated at par for seniority. At the close of the advertised period, inter-se seniority will be determined by a
random draw of lots. From 08 Nov 2019 onwards, seniority of applicants will be fixed on first-comefirst-
serve basis based on the date of Demand Draft for commitment money.
NOTES:-
(a) If the project does not take off within three years, the commitment money will be refunded without
any deductions and No interest will be paid. Interest will be paid by AWHO after three years from
the date of receipt of application at HQ AWHO.
(b) In case of premature withdrawal by an applicant, ie before launch of the scheme or before a
period of 3 years, the commitment money will be refunded after deduction of 2% handling charges and
no interest will be paid.
(c) Existing registrant of AWHO can also apply. However allottees in any other AWHO
Schemes can also apply as Priority – II applicant.
For further details contact
Dy Director (Loan and Liaison), Tele : 011-23014039
Exchange : 23012619, 23792411, (Extn 243/325//335)
Fax : 011-23010599
AWHO, Kashmir House, Rajaji Marg, New Delhi-110011

Email : awho@awhosena.in
I applied with DD for Rs 10,000/- as commitment money on 31 Oct'19
The same was processed vide Regn. no- 
EOF/SDA/177472/DS/CN2/2019 

ack and receipt details from AWHO awaited in 2 weeks time






ACTIVE User
Registered Name : G U Kumar
Registered Email Id : udhay.govind@gmail.com
Register on date: February 20, 2017, 7:17 pm
Last visited on : November 8, 2019, 11:52 am

Registration Details

Registration NoEOF/DXA/173181/DS/CC1/2016
NameGU KUMAR
Last address updated on07-11-2019
Registered Mobile NoYES(xxxxxx2547)
Registered Email-IDYES(udha.....@gmail.com)

Project & DU Details

ProjectCOIMBATORE CHINNAVEDAMPATTI? PHASE - I STAGE - II(CC1)
SchemeDEMAND SURVEY
DU Type AppliedDELUXE APARTMENT(DXA)

Details Before Booking

Application received on12-08-2016
Acceptance Letter issued on17-08-2016
Seniority No.24
Waitlist(Overall)16 out of 17
Withdrawal/Cancelled

Details After Booking

Booking Letter issued on-
Option Letter issued on-
Option received on-
Specific DU Draw held on-

Payment Schedule

Instl.NoInstalment DetailInstalment DateInstalment Amount


Payment Details

Transaction DateDD DateCr Amount(Rs)Dr Amount(Rs)Particulars
16-08-201606-08-2016Rs.10,000-Amount for App. & Regn fee received vide DD No. 947123 & BANK NAME : INDIAN BANK & Receipt No D-00028682
30-03-201730-03-2017Rs.292-BY INTT ON REG FEE- DS-CC1
26-03-201826-03-2018Rs.500-BY INTT ON REGISTRATION- DS- CC1
29-03-201929-03-2019Rs.500-BY INTT ON REGISTRATION- DS-CC1


Draw Results

Block
Floor
Dwelling Unit No.
Parking-
Parking 2-
Parking 3-
Addl Parking-


Letters received at HQ AWHO.

Receipt DateLetter No.Letter Dt.SubjectType of mail


Letters despatched by HQ AWHO.

Despatch DateLetter No.Letter Dt.Type of mail
07-10-2016EOF/DU/173181/DS/CC1/1606-10-2016REGD



Saturday, April 23, 2016

S Rajasegarane- 3 Simple Ways to Repay the Housing Loan

Most people choose the EMI option to repay house loan because they can't come up with the huge amount in one payment. Also, they choose this option to avail of income tax exemption. It is also true that most people are keen to repay the loan amount quickly.
Even though the repayment term chosen may be 15 years or 20 years, statistics show that most people make the loan repayment in 8 years. It is true that if you stick to the EMI schedule and repay the loan over a long period(15years/ 20 years/ 30 years) the interest component is very high. Let's understand this with an example:


  • Let's say the housing loan amount is 25 lakhs
  • The repayment term is 30 years(360 months)
  • Rate of Interest is 10%
  • The EMI is Rs 21.939
The loan amount is Rs 25,00,000 but with the interest amount you end up paying  almost Rs 54,00, 000. The repayment schedule is made clear in the first table of Appx.1. The EMI amount is Rs 21,939. The EMI amount has two components,  Rs 1106 towards repayment of capital and Rs 20,833 is towards repayment of interest.
So the wise thing to do is to look at ways to reduce the interest component considerably. So, here are a few options that you can explore:


Option 1- Increasing the EMI amount.
 Instead of Rs 21,939 every month increase EMI by Rs 3061 to Rs 25,000. By doing this you'll be able to finish the housing loan repayment after 216 months. Just by increasing the emi to Rs 25000 p.m, you'll decrease the interest component by 25 lakhs.( see Appx.2)

Option 2- Increasing the EMI amount from the 2nd year onwards
In the first year, pay the EMI as per original schedule. From the 2nd year onwards, increase the EMI amount by Rs 5000 every year. Now you'll see that the housing loan repayment is over in 103 months instead of 360 months. The amount that goes towards interest is only 15 lakhs approximately. You are also saving about Rs 38.5 lakhs.(See Appx.3)


Option 3- Adding a big amount to the yearly repayment after Ist year
Here, You stick to the EMI schedule but add a bigger amount every year after the 1st year. For example, you pay 1 lakh per year towards capital repayment, from the 2nd year onwards, in addition to the EMI of Rs 21,939. This way the housing loan repayment is over after 159 months. The amount you pay towards interest is only Rs 19.21 lakhs and you save Rs 34.77 lakhs on the interest component. ( See Appx. 4).
Choose the option best suited to your financial profile and aim to take full possession of your house at the earliest, without paying a huge interest on the borrowed amount.

Monday, November 9, 2015



A next generation incentive based, crowd funding platform where entrepreneurs, creatives, good causes, and anyone chasing a personal dream can seek funding for their projects.