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Exercise No. 33

Man is a bundle of habits. Anything done often and repeatedly is called a habit. It is an acquired pattern of action which becomes easy and automatic because of repetition. Thus, habits, once formed, are difficult to be removed. That is why, the saying, ‘Old habits die hard’. The root of habit is practice and regularity. The more we repeat a habit, the more permanent it becomes. We are bound to repeat habit, because if we do not, we feel uncomfortable and uneasy. This is called the force of habit. Habits can be good as well as bad. But it is very easy to acquire bad habits. Bad habits once acquired become thebonds and a chain for ever, if one becomes a victim of bad habits, they render its escape impossible, habits become part of a man’s nature. They can’t be changed specially at advanced stage. As a cat can’t change its stripes, so your can’t change or get rid of evil habits. Like one’s name they stick fast and remains till the grave.

 

Exercise No. 34

Mountains are a wonderful creation of Nature. In their height, grace, mystery, sublimity and grandeur, they are irresistible from times immemorial. Many of our great shrines, temples and centres of pilgrimages are in mountains, particularly in the Himalayas. The goddess Parvati is thePrincess of the mountains, her father Himalay is the King of mountains, Shiva, the lard of dance, yoga, tantra and beasts dwells in the Kailash mountain, ever covered with perennial ice and snow. Our ancient rishis and sages always retired  to the mountains and in forests, for Samadhi, deep meditation and a search for the truth, Mighty rivers like Ganga, Yamuna, Brahmputra, Sindhu, etc., have their origins in the Himalayas. Similarly, the mountains in central and south India are the source of many sacred and mighty rivers. Nature has been very liberal in bestowing the gifts of mountains on us in India. The Himalayas is one of the youngest mountains and the Aravalis one of the oldest ones.

 

Exercise No. 35

Time is precious, time is money. We all grow in time, we live in time and we perish in time. Time is universal and all important. But what is time? Perhaps nobody can define it precisely. We may not be able to define it, but we know what it is and how valuable it is. Our life is a short span of time in the eternity and we must make best use of it. Everybody wants success, but only a fortunate few achieve it, because they make the most of every second of this precious commodity called time. Time and tide waits for no man or woman. One cannot command time to stop or to wait. You cannot buy it, nor can your recover it. Time once wasted and spent, can never be regained. The flow of time is ceaseless and eternal. It is more powerful than the mightiest kings, princes and monarchs. Kingdoms, dynasties and epochs come and go but the flow of time goes for ever uninterrupted. Time is death, time is birth, time is old age, and it is everything. Nothing escapes time. Time is abstract but its footprints are concrete and palpable.

 

Exercise No. 36

 

Deposit is a loan taken by a company from an individual. Deposits, therefore, represent borrowed or debt capital. When a company accepts deposit from a person it borrows from him and issues a Fixed Deposit Receipt to him. By issuing deposit receipt it acknowledges its liability. A company may accept deposits from the public as well as from its members. It may also accept deposits from its employees or their relatives. Generally deposits are known as ‘Public Deposits’. Public deposits constitute borrowed capital. Many companies raise capital by accepting deposits. They pay interest at a fixed rate on these deposits. Collected from shareholders and employees. Even though by accepting deposits from the public a company takes loans from them. It does not offer any security in favors of the deposit holder. Therefore, public deposits are unsecured borrowed funds. In good economic conditions a company can raise capital.

 

Exercise No. 37

Hercules was the son of Ju8piter, king of the gods. Juno, queen of the goddesses, had children of her own and she hated Hercules from the moment of his birth, because Jupiter loved him more than he loved her children. When he was eight months old, she had two snakes put near him, to kill him. Hercules, however, strong as a man even in his babyhood, strangled the mosters before they could harm him. Juno then tried, as he grew up, to injure him in other ways. At last she brought upon him on illness that made him mad for a time, and when he was not in his right mind he offended the gods by some evil act. But as soon as his senses returned to him, the thought of what he had done filled him with deep sorrow. What can I do, he cried in his great distress, to wash away the stain of this sin. Then a voice from heaven said to him, for twelve years you must obey the commands of a king named Eurystheus. You will have to do for him, twelv3e very difficult and dangerous labours.

 

Exercise No. 38

Hercules was the son of Ju8piter, king of the gods. Juno, queen of the goddesses, had children of her own and she hated Hercules from the moment of his birth, because Jupiter loved him more than he loved her children. When he was eight months old, she had two snakes put near him, to kill him. Hercules, however, strong as a man even in his babyhood, strangled the mosters before they could harm him. Juno then tried, as he grew up, to injure him in other ways. At last she brought upon him on illness that made him mad for a time, and when he was not in his right mind he offended the gods by some evil act. But as soon as his senses returned to him, the thought of what he had done filled him with deep sorrow. What can I do, he cried in his great distress, to wash away the stain of this sin. Then a voice from heaven said to him, for twelve years you must obey the commands of a king named Eurystheus. You will have to do for him, twelv3e very difficult and dangerous labours.

 

Exercise No. 39

The business of insurance is related to the protection of the economic values of assets. Every asset has a value. The asset would have been created through the efforts of the owner. The asset is valuable to the owner because the expects to get some benefits from it. It is a benefit because it meets some of his needs. The benefit may be an income or in some other form. In the case of factory or a cow, the product generated by it is sold and income is generated. In the case of a motor car, it provides comfort and convenience in transportation. There is no direct income. Both are assets and provide benefits. Every asset is expected to last for a certain period of time during which it will provide the benefits. After that, the benefit may not be available. There is a life-time for a machine in a factory of a cow or a motor car. None of them will last forever. The owner is aware of this and he can so manage his affairs that by the end of that period or life-time.