Sashin Shah,

President

(JAY-HO)

Sashin Deepak Shah

from is a native of

Kutch, Gujarat

currently residing at Matunga, Mumbai. Sashin is

a post graduate in Event Management and is an

Event Management professional since 2004.

Married to Prerana Shah also a native of Kutch,

Gujarat, and has a 4 years old daughter. Currently

Sashin owns a wedding Planning Company called

Vivaah Planners and an Event Management

Company named The E-Factory.

The idea behind JAY-HO is to unite Jain Youth

and create a platform for their talents and present

to it to the world.

UTH-N-YNG was generated as an idea for all the

Jain Youth to be aware about not only about

Jainism & Jain Current Happenings but also to get

an overview of what is happening around the

world. With sections like Technology, Food &

Lifestyle, Travel, Finance & Tutorials UTH-N-

YNG will be a one-stop-shop for all the info

required for the youth.

A.T.M (Artistic Talent Management) was

specially designed by Sashin as he is from the

field of Event Management and gets many

chances to present new talent to the world may it

be for Singing, Dancing, Acting, Art & Crafts or

Speech. “My idea is to get the Jain community to

such a level where every ones knows a Shah,

Gala, Mehta or Jain as much as they know any

Kapoor, Khan, Chopra or Kumar” says Sashin

Shah. “Hope we are able to fulfill our dreams for a

better future”

JAY-HO!

Bhavik Veera,

President

(JAY-HO)

Bhavik Vinod Veera, a choreographer by passion

has done MBA in

Marketing and owns a

dance company named

Spunk Dance Company.

Bhavik is a native of Kutch, Gujarat and is

currently residing in Panvel, Navi Mumbai. Being

passionate about dance, Bhavik likes to bring

creativity and emotions through his dances.

His idea behind JAY-HO is to unite Jain Youth

and give platform to the hidden talents of Jain

Youth and take them to the higher level. As he

always says,

“STAY TUNED.STAY UNITED”

UTH-N-YNG magazine is created especially for all Jain Youth not only giving information of

what’s happening around but also giving them opportunity to express their views and ideas and

helping them to create better future.

A.T.M – Bhavik says, it is an initiative taken by

his friend and colleague Sashin Shah and he liked

the idea behind it. As a choreographer, he too

likes to present new talent from dance field.

He says, “Anyone can become Michael Jackson or Shah Rukh Khan or Ranbir Kapoor or Katrina

Kaif, but end of the day it’s only you who carries

your own personality”.

JAY-HO!

SADHU AND SADHVI When a person renounces the worldly life and all

the attachments, and is initiated into monkshood or nunhood, the man is called Sadhu, Shraman or

Muni and the woman is called Sadhvi, Shramani, or Aryä. Their renunciation is total which means

they are completely detached from the social and worldly activities and they do not take any part in

those activities anymore. Instead, they spend their

time spiritual uplifting their souls and guiding

householders such as ourselves how to uplift our

souls.When they get initiated into the life of

Sadhus and Sadhvis, they take five major vows

and act strictly in accordance with those vows.

The five great vows are:

1) Pranatipätaviraman Mahavrat - Vow of

absolute Non-violence.

First vow of Pranatipätaviraman Mahavrat means

sadhu and sadhvis will never cause harm or

violence to any living being including even the

tiniest creatures. 2) Mrishavadaviraman Mahävrat - Vow of

absolute Truthfulness Second vow of Mrishavadaviraman Mahävrat

means they will not lie. 3) Adattadänaviraman Mahavrat - Vow of

absolute Non-stealing Third vow of Adattadänaviraman Mahavrat means

without the permission of the owner they will not

take anything from anywhere.

4) Maithunaviraman Mahavrat - Vow of

absolute Celibacy

Fourth vow of Maithunaviraman Mahavrat means

they have to observe the celibacy with an absolute

adherence to it. The sadhu or sadhvis should not

even touch a member of the opposite sex

regardless of their age.

5) Parigrahaviraman Mahavrat - Vow of

absolute Non-attachment.

Fifth vow of Parigrahaviraman Mahavrat means

they do not possess anything and do not have any attachment for things they keep for their daily

needs. In summary, while taking these vows, they say,

"O Lord Arihant! I will not commit the sins of violence, express falsehood, steal and enjoy

sensual pleasures, or be possessive, by speech, thought or deed; nor will I assist or order anyone

to commit these sins. I will not approve or endorse

anyone committing such sins. Oh Lord! I hereby

take a sacred and solemn vow that throughout my

life, I will follow these five major vows and strictly follow the code of conduct laid out for a

sadhu and a sadhvi."

Therefore, Jain Sadhus and Sadhvis never cause

harm or violence to any living being. They live

according to the pledge that they do not harm even

the tiniest creatures. They always speak the

absolute truth. They do not lie on account of fear,

desire, anger or deceptive intentions. Without the

permission of the owner, they do not take even the smallest thing such as a straw. They observe the

vow of celibacy with an absolute adherence to it. They will not touch the members of the opposite

sex, even a child. In case the members of the opposite sex either touch them by mistake or in

ignorance, they have to undergo the ritual of repentance (Prayashchitta) for self-purification.

Jain Sadhus should not keep money with them.

They will not own or have any control on any

wealth, houses, any such movable or immovable

property or organization. They will limit their

necessities to the lowest limit and apart from these

limits they should not have any attachments.

Some special rules of conduct for sadhus and

sadhvis:

The Jain sadhus or sadhvis do not take food or

water after the sunset or before sunrise. They wait

48 minutes after the sun-rise before even drinking

boiled water. Under any circumstance, they do not

eat or drink anything between the hours of sunset and sunrise.

Gochari (Alm): Jain sadhus/sadhvis do not cook

their food, do not get it prepared for

them, or do not accept any food

which was

prepared for them.

They go to

different

householders that

are Jains or

vegetarians and receive a little food from each

house. This practice is called Gochari. Just as

cows graze the top part of grass moving from

place to place, taking a little at one place and a

little at another, in the same way Jain Monks and

Nuns do not take all the food from one house.

They collect it from various houses. The reason Jain Sadhus/sadhvis accept a little food and not all

the food from one house is because this way the householders do not have to cook again. The

cooking process involves much violence in the form of fire, vegetable chopping, water

consumption, etc., and sadhus or sadhvis do not want to be the part of any violence due to their

needs. They do not receive food standing outside

the house; but they go inside the house where food

is cooked or kept. This way they can understand

the situation that their accepting food would not

make the householders to cook again. They accept

food which is within the limit of their vows.

Vihar: They always walk with bare feet. When they travel from one

place to another, whatever may be the

distance they always go walking. They do not

use any vehicle like bullock cart, car, boat,

ship or plane for traveling. Whether it is cold

weather or scorching sun; whether the road is

stony or thorny; whether it is the burning sand of a

desert or a burning road, they do not wear any

foot-wear at any time. They move about on bare

foot all their life. The reason for not wearing

shoes is while walking, they can avoid crushing

the bugs or insects on the ground. While going

places, they preach the religion (Dharma), and

provide proper spiritual guidance to people. They

do not stay more than a few days in any one place

except during the rainy season which is about four

months in duration. The sadhus and sadhvis generally do not go out at night. The place where

they stay is called Upashray or Paushadh Shala. They may stay in places other than the

Upashrayas if those places are suitable to the practice of their disciplined life and if they do not

disturb or impede the code of conduct. The reason they do not stay anywhere permanently or for a

longer period in one place is to avoid developing

attachment for material things and the people

around them.

Loch: The Jain Sädhus and Sadhvis after

receiving the Diksha

(initiation) do not cut their

hair or shave their heads;

nor do they get these things

done by a barber. But twice

a year or at least once a year

at the time of Paryushan,

they pluck off their hairs or they get the hairs plucked

by others. This is called Keshlochan or Loch. This

way they are not dependent on others to carry out their needs. It is also considered as one kind of

austerity where one bares the pain of plucking of the hairs calmly.

Clothing: They always wear un-stitched or

minimally stitched

white clothes. Some

Jain sadhus do not

wear the clothes. A

loin cloth which

reaches up to the shins is called a

Cholapattak. Another cloth to cover the upper part of the body is called Pangarani (Uttariya Vastra).

A cloth that passes over the left shoulder and covers the body up to a little above the ankle is

called a Kämli. Kämli is a woolen shawl. They also carry a woolen bed sheet and a woolen mat to

sit on. Those who wear clothes have a muhapati a

square or rectangular piece of cloth of a

prescribed measurement either in their hand or

tied on their face covering the mouth. They also

have Ogho or Rajoharan (a broom of woolen

threads) to clean insects around their sitting place

or while they are walking. Sadhus who do not

wear any clothes have morpichhi and kamandal in

their hands. These are the articles by which they

can be distinguished. This practice may vary

among different sects of Jains but essential

principle remains the same to limit needs.

They bestow their blessings on all, uttering the

words Dharm Labh (may you attain spiritual

prosperity). They bless everyone alike irrespective

of their caste, creed. sex, age, wealth, poverty,

high, or low social status. Some put Vakshep

(scented sandal dust) on the heads of people.

Monks and nuns show the path of wholesome life

and of a righteous and disciplined life to every one

through the media of discussions, discourses,

seminars and camps to attain spiritual prosperity.

The entire life of sadhus/sadhvis is directed

towards the welfare of their souls. All the

activities of their life have only one aim, namely,

self-purification for self- realization. For the attainment of this objective, besides following laid

down guidelines they perform the pratikraman daily, and perform other austerities.

COACHING CENTERS: DO

WE EVEN NEED THEM?

Institutes have programs starting

from Class VI.

Institutes that earlier

had programs for

people who had

passed Class XII have

expanded to the extent that now a 12 year old is as

likely to be enrolled in a coaching institute as an

18 year old.

A storm of questions regarding the education

system in India has propped up in my mind. Is it

alright to do away with chunks of syllabus that a

student might need to clear the engineering or

medical exams? It is okay to widen the gap

between school education and entrance exam

courses?

The education ministry, since the past decade has

been on the path of simplification of the syllabus that a student has to study in each class. The

senior classes experience continual omission from their syllabus. The fissure between the two stages

(of Class XII and entrances) is the reason for mushrooming of unquantifiable number of

coaching centres.

Furthermore, the breach between the level of Science in class X and that in classes XI and XII

is so massive that it sometimes takes a student a

whole year to get used to the fact that Class X

course has little to do with Class XI course. This

leads to a loss in the faith in the system of central

education.

This “business” opportunity is very timely utilized

by the coaching centres. Enrolling a batch of close

to 5000 students and charging near about Rs.

80,000 from them guarantees huge profits and

salaries to the staff and founders respectively. The

coaching business, in itself, has become a multi-million industry today.

The coaching centres actually function as

“Coaxing Centres” where students and their parents are engulfed in the panorama of seeing

their child at the zenith of success in a few years time. Those who are confused about the choices

they want to make in the future are affected more by this inveigling. Those who end up joining these

institutes are continually made to believe that not bagging a seat in a good college is the worst

possible mistake they can commit in their lives.

Following this, any student unable to do the same

is doomed as a failure. Independent studies show

that this leads to potent depression tendencies.

After joining these institutes, students are forced

into a hectic lifestyle of attending school and then

rushing back home only to get ready to go to a

coaching institute where they will be taught for

the next 4 hours. For those who had some foresight and thought it’ll be difficult for their

child to cope up with such chaotic schedule, the coaching institutes had a solution! Ta-da!

Weekend coaching! Nice idea, you thought? It probably would have been had the coaching on

weekends not been for 9 hours straight.

You must have heard that “Behind every

successful man there is a woman”. But I bet you

haven’t noticed, “Behind most Engineers there is

a Coaching Institution”. This saying is valid even

for most doctors nowadays. However, whether the

latter saying results in success or not is a

debatable topic.

These points came to my mind while

going through the newspaper. Many

companies who recruit graduates

especially ones

from the technical lot are complaining that the

quality of engineers has deteriorated. All the

thinking is limited to theoretical aspects. Because

of lack of in-depth knowledge of the subject most

of these graduates do not fit into the scheme of

things and are rendered jobless or with less paying

jobs. Their decadent practical knowledge is a

portentous sign of the time when engineering will

lose its sheen just like the Master of Sciences.

Even if they are recruited, they have to undergo

training for at least two years. But with this

training even an ignoramus can be appointed. So how did these so called engineers spend their 4

years?

Flaying the institution alone does not serve any purpose. The root of this malaise lies in the

coaching system. Again, I would like to asseverate that some coaching institutions are doing a

commendable job and deserve praise.

Nevertheless, most of them are running a racket in

which they play with the future of students. It

might lead to short term success but chances of

long term survival look bleak.

To some — what I am saying might look far-

fetched.

However, I

have one

reason to

support my

accusations. Every year

more than thousand

students qualify from Kota, which is famous for its institutes like Bansal and Resonance. However

this year the number took a sharp plunge. It is difficult to assess the sudden failure of such a

well-established system. But don’t you think it is

more than mere coincidence that this sudden drop

coincides with the decision taken by JEE

committee to proscribe Kota from holding JEE

this year.

Most of the schemes designed by coaching centres

revolve around lucrative ideas. For instance- Generally the coaching starts in the evening. But it

was found that students come to the centre tired after a grueling day’s work at school. Therefore,

some institutes floated the concept of conducting classes in the daytime within school premises.

However instead of the school teachers the classes would be taken by coaching staff. The idea

seemed novel only the intentions were dubious.

Not only was the coaching fees doubled but also

the student was required to pay the whole tuition

fees demanded by the school, just for using the

classroom. This is a perfect money making

scheme designed to exploit the public.

However, their rapaciousness was at full display

when the plan to include class 8 & class 9 was

conceived. The idea was marketed that in order to

crack JEE, coaching must start at the high school

itself. This is probably why the schedule of

students is getting so hectic. Failure at this level might lead to depression and ultimately suicide.

The same teachers who teach +2 students were employed and hence the same money was

charged. Aren’t the people who are taking decisions in these coaching institutes nothing

more than mountebanks?

The situation in 11th and 12th is no better. With

overcrowded classes, huge lecture theatres,

slothful students and didactic teaching who can

expect these kids to qualify. Besides students tend

to neglect their school studies which in turn

results in pathetic performance in board exams. In

some cases, the students fail to maintain the

mandatory attendance percentage required to

appear in the exams that causes last minute

altercation with the authorities.

Still parents continue to expect and that is why the

government is trying to bring down the level of IIT’s by increasing the number of seats so that

every customer can grab one. As a result the output is shabby and hence it’s no wonder that

companies are starting to prefer off campus recruitment.

TIN CAN TEA LIGHT

HOLDERS

I love this idea! So simple and so beautiful! I love the fact that you can use recycled cans. This

is a really inexpensive way to make a really pretty feature. If you have a covered deck, it would be

lovely for your summer party outside.

Materials Needed:

- tin cans

- pretty paper

- wooden hanger

- wooden pegs - glue

- string or raffia - scissors

- ruler - tea lights

Take your well-cleaned tins and measure carefully

the height of the tin. Cut strips of paper and you can trim off the length so that the paper matches

neatly.

Glue your paper strips to the tins and tie on your

string or raffia. Also glue this in place so that it

cannot slip. This not only looks pretty but will

keep things in place whilst the glue dries.

From the string, you can now add more lengths of

string so that you can attach this to your hanger.

Tie them on as well as peg them, again for safety. If you feel so inclined you could also decorate

your wooden pegs with the same paper so they match up or you could simply leave them natural.

Now you're read with your ambiant lighting for

your Christmas party! Have fun!

Are you tired of spending Christmas at your home

year after year? If yes, then this year, add a dash

of adventure to your Christmas, by going out. Not

just out of the house, but out of your city! There

are many popular as well as unexplored places

around the world, which are perfectly suitable for

spending Christmas vacation with your loved ones. All you have to do is opt for a destination

that suits your needs and of course, your budget! In this article, we have compiled a list of ten best

Christmas destinations that will surely help you to decide your best bet.

Ten Popular Christmas Destinations

Caribbean Islands

Caribbean Islands is undoubtedly one of the best

places to go for Christmas. The destination boasts

of having 2500 mile-long chain of islands, in the

crystal blue Caribbean Sea and some of the best

beaches of the world. Celebrating Christmas in

Caribbean will be an experience for the lifetime.

Goa (India) Do you want the best of sun, sand, sea and

sumptuous sea food? You get all this and more at

one of the hottest destinations in India - the state

of Goa. The small state is a mesmerizing blend of

modern life and historical legacy that is sure to

give you a high on Christmas. Go to Goa and let loose all your tensions of everyday life!

Holland

Situated in Netherlands, Holland is a beautiful

place that boasts of rustic lifestyle, which is

blended with the chic urban living of the local

people. Large fields of colorful tulips, picturesque

countryside, huge farm lands, etc. make Holland

very peaceful and ideal to spend a cozy Christmas

with your family.

Las Vegas

Las Vegas offers its tourists the best of everything

that is needed to have a memorable Christmas

vacation. With almost everything being larger

than life, your Christmas is sure to be an event in

itself, if you spend the vacation in Las Vegas. This

trait makes it one of the top ten destinations for

Christmas.

New York - The Times Square at New York is

one of the favorite places of tourists, to be on the

wonderful occasion of Christmas. You would get

to party literally every minute of life, when you

are in New York. In fact, touring the busy streets

of New York is one of the best ways to spend

Christmas and do a lot of shopping.

New Zealand The beautiful country of New Zealand is located

in the Pacific Ocean. The country comprises several small islands, thereby offering its tourists

entirely a different experience during the holiday season of Christmas. It is the best place to relax

and welcome Christmas with a relaxed attitude.

Paris The city of lights, Paris, is the ultimate

destination to be with your beloved, for Christmas. Sip French wine as you relax under the

night sky lit with fireworks and city lights and have a memorable time in Paris! You can shop for

almost anything under the sun, in the markets of Paris. The destination would be a visual treat for

the urbane lot.

Rio de Janeiro

Rio de Janeiro is beautifully decorated on the

festive occasion of Christmas. The celebrations of Christmas are marked by extravagant fairs and

parades along the streets of this ethnic place.

Women, men and children actively participate in

the celebrations of the festival, which makes it one

of the best destinations to celebrate the festival.

Rome

Rome offers traditional Christmas celebrations to its visitors. The churches are beautifully decorated

during the festive season. Special prayers are offered at the churches, to mark the birth of Lord

Jesus Christ. If you want to celebrate Christmas in

genuinely religious way, then set your trail towards Rome, the capital city of the European

nation of Italy.

Sydney During the festive season of Christmas, Sydney,

the largest city in Australia, offers its visitors, superb beaches, amazing countryside, beautiful

Christmas decorations and delicious food. It is a great place to be, if you want to a rocking and

pulsating Christmas.

Bread Paneer And Palak Balls

Bread, paneer and palak shaped into balls and

deep fried.

Cooking Time: 10-15 minutes

Servings: 4

Preparation Time: 10-15 minutes

Category: Starters

Ingredients • White bread slices,crustless 8

• Cottage cheese (paneer),grated 1 cup • Spinach,blanched and chopped 1 cup

• Oil 2 tablespons + for

deep-frying

• Cumin seeds 1 teaspoon

• Ginger,finely chopped 1 inch piece

• Green chillies,finely chopped 2

• Salt to taste

• Cheese,grated 3 tablespoons

• Juice of ½ lemon

• Cornflour/ corn starch ,for dusting

• Mint leaves a few for garnishing

Method

Heat 2 tbsps oil in a non stick pan, add cumin seeds, ginger, green chillies and sauté.

Add spinach and sauté for 3-4 minutes. Add salt

and mix well. Transfer this mixture into a bowl. Add paneer, cheese and mix. Add lemon juice and

mix well.

Place each bread slice on a damp muslin cloth and

press it with damp hands. Place a portion of

paneer mixture in the centre of the slice and shape

it into a ball. Dust the ball with cornstarch.

Heat sufficient oil in a kadai, slide the balls into

hot oil and deep-fry till golden and crisp. Drain on

absorbent paper. Transfer onto a serving plate,

garnish with mint leaves and serve hot.

Til Ke Cheese Toasts

Bread dipped in cheese mixture, topped with

sesame seeds and shallow fried.

Cooking Time: 5-10 minutes

Servings: 4

Preparation Time: 10-15 minutes

Category: Starters

Ingredients

• Sesame seeds (til) 2 tablespoons

• Cheese,grated 3 tablespoons

• Bread slices 3

• Milk 3/4 cup

• Refined flour (maida) 1 1/2 tablespoons

• Red chilli powder 1/2 teaspoon

• Mustard powder 1/4 teaspoon

• Salt 1/4 teaspoon

• Oil to shallow fry

Method

Heat the milk in a pan till hot. Lower the heat and stir in the flour. Add cheese, red chilly powder,

mustard powder, salt and one teaspoon sesame seeds and stir till the cheese melts. Trim the edges

of the bread slices and then cut them into four triangles. Heat sufficient oil in a deep pan. Dip the

bread pieces into the sauce and sprinkle some sesame seeds on top and shallow-fry till golden in

colour. Drain and place them on an absorbent

paper. Serve hot.

MAGGIE NOODLES

BHAJIYA

An unique bhajia or pakoda recipe, Noodels

bhajia ids prepared by deep frying gram flour

coated noodles in hot oil. Serve this delicious

crispy bhajia recipe with schezuan sauce.

Preparation Time: 10 min

Cooking Time: 10 min

Ingredients

1 packet maggi noodles

2 tbsp besan (Bengal gram flour)

150 gms paneer (cottage cheese)

2 green chillies, (cut into small pieces)

coriander (dhania) leaves

3/4 tsp chilli powder

salt to taste

oil for frying

Method

1. Boil the noodles and remove extra water.

2. Now mix every thing together 3. Heat the oil.

4. Make small small boland fry till brown. 5. Serve hot with mint chutney.

MAGGIE NOODLES

SOUTH STYLE

Southy noodles is one of the most interesting

fusion recipes. The boiled noodles are cooked in

typical traditional South Indian style of cooking

with mustard seeds, curry leaves, grated coconut

and red chillies.

Preparation Time: 3 minutes

Cooking Time: 2 minutes

Ingredients

1 1/2 cups water

1 tsp oil / ghee / butter

1/2 tsp mustard seeds ( rai / sarson)

a pinch of salt

a pinch of turmeric powder (haldi)

a pinch of chilli powder

a single pack of maggi noodles 1 tsp vinegar

Method

1. Heat a pan and add the butter in it

2. Now put the sarson seeds in it till they start cracking.

3. Remove the pan from the gas and put water

in it,bring it to boil and then add salt,haldi,red chilli powder.

4. Now add noodles and cook them till they are about to be completely done.

5. Finally add the vinegar in it and mix it well,and remove it from the gas.

6. Your southy noodles are ready to eat.

Apple has never been known to abide by

industry trends; instead, they have always been

known to be trend setters more than followers. The

iPhone, iPad and iPod touch are three very good

examples of products that have sparked innovation

in their respective segment. However, last month, it

seemed as if Apple was finally playing catch up

when they launched the iPad mini. The 7-inch tablet

segment received a big boost after Google launched

the Nexus 7 at a very aggressive price. On the

surface, the iPad mini seems like a shrunken down

version of the iPad and in a way, it is just that.

However, in order to keep the pricing competitive,

Apple has had to cut some corners which you may

or may not like.

Design and Build

The iPad mini measures about 7.9-inches

diagonally and features an LED-backlit IPS panel.

The aspect remains the same as its big brother so

apps don’t need any changing. Apple has chosen to

go with a very slim bezel for the sides so they could

squeeze in a larger display in a chassis that’s

similar to a 7-inch tablet. This makes the screen

appear a lot bigger but it does make it a bit tricky to

use in portrait mode as the sides of your thumb

invariably tend to hit the screen. This is not much of

a problem when you’re holding the tablet with one

hand. The home button takes its rightful place at the

bottom while the front facing camera sits stark

center on the top.

Smaller and sleeker

The mini is incredibly thin at just 7.2mm in depth

and light as well at just 308g. It’s possibly one of the

lightest tablets out there like the Samsung Galaxy

Tab 2 310 and the Google Nexus 7. Because of this

aspect alone, the iPad mini feels wonderful in your

hand. This also makes it a very good option as an

eReader, as those who have the habit of reading

books while sleeping will not experience too much

fatigue even for extended periods of time. The sides

house the volume toggle switch along with the

switch to toggle silent mode. The power and 3.5-mm

headphone jack sit on the top while on the bottom,

we have the mic, speaker and the new Lightning

Connector.

iSight camera captures really good detail for a tablet

The aluminium back has a powder coating that’s

unfortunately very prone to scratches. In fact, just

days after taking it out of the box, it already looks a

month old. Fingerprints are a challenge to remove

off the matte surface by simply using dry cloth and

the logo at the back scuffs pretty easily as well. The

coating also chips easily if you drop it but thankfully

it doesn’t dent easily and the glass can survive the

knocks of everyday use. The build quality is very

good, something we’ve come to expect from an

Apple product. However, there’s not much detailing

along the edges so it lacks the premium feel of the

iPhone 5.

Interface and Media

The Apple iPad mini runs iOS 6.0.1 and the look

and feel is just like you’d find on a standard iPad.

We’ve covered the important features in detail in the

past along with a comparison with other mobile OS'

so we won’t delve too much into those today.

Suffice to say the UI is quick and fluid and this time

around and like the Retina iPad, you also get Siri as

part of the package. Another advantage of the mini

is that all the HD apps that are designed for the iPad

are fully compatible with this one. Also, since it uses

the same 1024 x 768 resolution of the iPad 2 on a

smaller screen, the ppi count is also higher. It’s not

Retina-grade of course, but it’s still a lot better than

it was on the iPad 2. This is one area where we felt

Apple could have done better. A higher resolution

screen would have probably upped the cost a bit but

the experience would have been better. Those who

have a Retina iPad will immediately be able to

notice pixels around icons but for most, it shouldn’t

be a big issue.

Decent multimedia performance

Beating underneath all this glass and aluminium is

the same A5 SoC we’ve seen in the iPad 2. This

consists of dual-core ARM Cortex-A9 chip along

with a PowerVR SGX543MP2 graphics chip. The

SoC still manages to pack a punch for most apps

but newer ones that are designed for the faster

Retina iPad and above tend to frame a lot,

especially games. For example, DesertZombie

looks really good but every now and then, you’ll

notice some lag as the frame rate drops quite a bit.

This hint of lag is also sometimes noticeable in the

UI.

Media playback is good with a good pair of

headphones. The new music player is quite nice

although we do feel that in their quest for a

minimalistic look, the player controls and other

menu options are a little too small, especially on

such a large screen. Audio through the rear speaker

is also nice and loud should you feel the need to

entertain some of your friends.

Connectivity

Here, we have dual-band Wi-Fi, Bluetooth 4.0 and a

bunch of sensors. There is no GPS present onboard

so you’ll have to rely on your Wi-Fi router for that. If

you’re on the move and wish to use Maps then

pairing the mini with an iPhone through Bluetooth

will grant it access to not only packet data but also

the GPS of your phone. The iPad mini comes with

the new Lightning Connector, which looks like a

microUSB port, except that it isn’t. This means the

mini is incompatible with most accessories that were

created for the iPad. Apple will happily sell you an

adaptor for it though for an absurd amount. All data

transfers are still done using iTunes from your PC

and the iPad mini and we don’t see that changing

any time soon. Microsoft did change their ways with

Windows Phone 8 so I guess we can still hope.

The new lightning connector

Camera

Apple has thankfully not skimped on the camera

and you get the same iSight 5MP shooter from the

Retina iPad. We were quite impressed with it on the

iPad and it’s no different on the mini. It’s actually

ergonomically a lot easier to snap a pic from the

mini as it’s lighter and more maneuverable. Plus,

you look less of a douche snapping a pic with it than

you do with an iPad. The camera manages to

capture good amount of detail along with accurate

colours, just as long as there’s adequate lighting.

The mini does one better and offers a FaceTime HD

front facing camera capable of 720p video.

Verdict and Price in India

While Apple hasn’t officially pulled the wraps off the

pricing yet, the latest rumors suggest a starting price

of Rs 21,900 for the 16GB Wi-Fi version. If this

actually turns out to be true then it actually makes it

a very good buy and inadvertently, makes the iPod

touch and the iPad 2 a bit redundant. If this price

indeed sticks, then the iPad 2 would soon be

phased out since the mini offers the same SoC, a

better camera and pixel count for the screen in a

smaller and lighter form factor. If you’re looking for a

larger iPad, then it’s only logical to pay a bit more

and get the newer iPad 4 instead of the iPad 2.

There are a couple of things we wish could have

been better like a Retina-grade screen or a more

powerful SoC. Perhaps the ‘new’ iPad mini will

address all these concerns.

HOW TO SELECT A CHILD

PLAN FOR YOUR CHILD

As a parent you always wish to make your child well educated, aim for his/her successful career in

life thus fulfilling all his/ her dreams. You do not want your child to compromise for building his

career in any circumstances. Apart from your

children's education, you also dream of a lavish

wedding for them. Child plans help your child

with the lump sum amount incase of your

uncertain death, this way your child's future plans

do not get a beating.

How do Child Plans work?

In a simple Child Plan, the life assured /

policyholder is the parent. The child is just the

beneficiary (just like a nominee) in the policy.

Some traditional plans also give risk cover for the

child. Risk cover in such plans start after

completion of seven years of age. You have to choose a sum assured i.e. the lump sum amount,

which you wish to receive, incase of your untimely death. Child plans are available as

traditional plans as well as ULIPs. On death of the parent during the term of the

policy, the sum assured is paid to the beneficiary, so that the family can continue with similar

standard of living as before even after the loss of

the earning member of the family. The future

premium payment gets waived, so that the child or

his family does not have to pay the premium for

the entire policy term. Future maturity or other

benefits are paid as it is. In certain ULIPs the

insurance company pays the premium on behalf of

the policyholder till the policy's maturity. The

fund value at the end is paid to the child on the

maturity of the policy, so that the lump sum

amount can be utilized for the child's future needs

like higher education. Now a days, few insurance

companies provide double benefit, where the sum assured is paid on death as well as at the end of

policy term (i.e. maturity).

Some of the Child Plans of different life

insurance companies:

LIC's Komal Jeevan is a Money back plan which provides regular income on a fixed interval

after child becomes major. Periodic payments are

made when child attains the age of 18,20,22,24.

This gives financial support during the child's

education period. It has both survival benefits and maturity benefits. In case of death of proposer

future premiums are waived of and all other benefits are paid as it is.

SBI Life Scholar II is a traditional savings cum

money-back child plan. The premium payment

term is till the child attains 18 years of age and the

policy term is till child attains 21 years of age. On

maturity (i.e. after the premium payment term),

the 25% of sum assured is paid in four

installments. You also have the option to receive the full sum assured in lump sum on the due date

of first installment payment; the policy terminates after taking this option. On death of the parents

during the term of the policy, the basic sum assured is paid, the further premium payment is

waived and as the survival benefits are paid to the child in installments just like to maturity benefits.

Riders are also available with this plan.

Birla Sunlife Insurance Bachat Child Plan is a

traditional child plan, where the premium has to

be paid monthly. The sum assured can be chosen

as a multiple of monthly base premium ranging

from 120 to 180 times depending on the age of the

life assured. The minimum monthly base premium

is Rs.400 and maximum is Rs.3,000. On maturity,

all the monthly base premiums with Bachat

Additions (fixed percentage depending upon the

premiums) and Loyalty Additions are paid. On

death of the life assured, the sum assured is paid to the nominee, all future premiums are waived

and on maturity, the maturity benefits is also paid.

TATA AIA Life Insurance United Ujjwal

Bhawishya Supreme is ULIP child plan where the investment risk is borne by the policyholder. It

offers seven fund options for investment, which

one can select as per the need and risk taking

ability. Benefit of the plan is that here the plan

will continue even after the death of the

policyholder and death benefit will be paid

immediately. The company will waive all future

regular premiums in case of Death or Total

Permanent Disability of the parent (Life Assured).

Met Smart Child is ULIP child plan where the

investment risk is borne by the policyholder. The

minimum annual premium of the plan is

Rs.18,000 and the sum assured is 10 times of the annual premium. On death of the parent during the

term of the policy, higher of the sum assured or 105% of the sum assured is paid and the future

premium payments are waived and the insurance company pays the future premiums till the

maturity; on maturity the fund value will also be paid to the beneficiary. On survival of the parent

till maturity, the fund value is paid.

Remember your daadi [granny] saying: “Hamare

zamane main cinema kee ticket 1 rupaye main

miltee thee”

This is precisely the theme of what we are

discussing here. How do we all plan for our kid’s

future?

Are the expenses for higher education going to keep rising, like it has risen in the last 10 years?

How do we beat it? Education expenses worldwide are on a rise.

Quality Schools are not available in quantity and hence command a high price [of course they

employ the best professors too]In the competitive world we are in, everyone wants his child to study

in the best school [not in his locality], but in the

world.

Forget going abroad, the cost of admission to get

an MBBS degree has skyrocketed 25 times in the

last 10 years.

Are we investing in funds/plans which will beat

this rising cost and give a sizeable corpus for us to

be able to have the kid study abroad, like your

close friend’s or neighbors will? Intelligent

Investing in Balanced Equity linked funds is the

only answer to beat and match the costs then.

History supports the fact that LONG TERM

investing in equity for more than 10 years definitely beats returns of any other investment

avenue. Here’s a snapshot of what we are

talking about. Current

Year

Current

education

expenses

If

inflation

rate is

Education

Expense

in 2022

Education

Expense

in 2032

2012 50,000 p.a. @ 12 % 5,00,000 50,00,000

If you make an investment against your

expenses in PPF or worse Fixed Deposits: Current

age

Annual

investments

If interest

rate is

Term Future

value

(approx.)

30yrs. 50,000 p.a. @ 9 % 20 yrs. Up to

4,30,000

If you make an investment in the kids plan: Current

age

Annual

premium

At

Benchmark Sensex pa

Term Future

value (approx.)

2008 50,000 p.a. @ 30 % 20 yrs. Upto

30,00,000

We have short-listed the Top Selling 4 Kids Plans,

these are Smart kid (by ICICI), Unit Linked

Young Star Plus (by HDFC), Child Dream Plan

(by BIRLA), Headstart Future Protect (by Kotak)

Benefits: These policies provide Death Benefit except

HDFC which provides 2 options – option (1)

Death Benefit option (2) Critical illness benefit.

In the unfortunate event of death of parent (Life

assured), in ICICI, Birla and HDFC the plan

will make a lump sum payment of Sum Assured to

the nominee and the policy will continue, with the

insurance company contributing future premiums

till maturity. On Death, In Kotak, the company

will pay the sum assured plus the unpaid

premiums to the customer. This is a negative, as

the main purpose of the plan is defeated when the

entire fund is released on an uncertain date. Costs:Coming to the charges of each fund, Birla

has the lowest allocation charges, but the very high policy administration charges compensate for

the same. On a fair basis ICICI Smart Kid has the lowest allocation charges of 20% in the first year

compared to the other products being reviewed. HDFC’s charges are the most obscene at 60% of

the first year premium, which is a sure negative

for most of us.

If the allocation charges are simply added for a 10

year period, the following would be the total

charges:

ICICI : 48 %

HDFC : 69 %

Birla : No charges

Kotak : 49 %

Premium Allocation Charges means company is

going to deduct some portion from your premium

every year. This helps the company pay commission to the agents and also takes care of

overheads.A higher allocation charge provides a higher commission to your agent/broker, so

beware if your broker is being very forceful on a certain product. (Allocation charges explained– if

prem. Allocation charge is 30% for the 1st yr. &

2% for the 2nd yr & onwards. If your prem. Is

50000, then only 35000 less other charges will be

allocating as your fund value in the 1st yr. & so on

as per 2nd

yrs & onward charges)

ICICI : 48 %

HDFC : 69 %

Birla : No charges shown.

Kotak : 49 % (approx. in 10 yrs.)

Administration charge: Administration charges are moderate in all

companies.

CONCLUSION From our scrutiny we would

recommend Birla Child Dream Plan Kid as a cost

effective and efficient investment for your kiddo. Though the allocation charges are not

transparent, when you take an illustration and compare, you will find that Birla gives the

maximum lead. FInally it depends upon the no. of years you invest + what kind of features you want

+ your risk appetite. We liked the transparent brochure and

comparatively fair and lower charges in the plan.

YUVRAJ SINGH (born 12 December

1981) is an Indian cricketer, and the son of former

Indian fast bowler and Punjabi movie star Yograj

Singh. Yuvraj is a left-hand middle-order batsman

and a slow left-arm orthodox bowler. He has been

a member of the Indian cricket team in ODIs since

2000 and played his first Test match in 2003. He

was the vice-captain of the ODI team from late-

2007 to late-2008. At the 2007 World Twenty20,

he famously hit six sixes in an over against

England's Stuart Broad — a feat performed only

three times previously in any form of senior

cricket, and previously never in an international

match between two Test cricket nations. He was

named the Man of the Tournament in the 2011

Cricket World Cup and was one of the top

performers at the 2007 World Twenty20, both of

which India won.

In 2011, he

was

diagnosed

with

a cancerous tumor (stage-

I) in his left lung and

underwent chemotherapy treatment at the Cancer Research

Institute in Boston, USA as well as Medicine Facilities in Indianapolis, Indiana. In March 2012,

Yuvraj was discharged from hospital after

completing the third and final cycle of

chemotherapy and returned to India in April. He

was conferred with Arjuna Award, India's second

highest sporting award in the year 2012 by

the President Pranab Mukherjee. He made his

international comeback in a Twenty20 match in

September against New Zealand shortly before

the 2012 World Twenty20.

Struggling to sit crossed-legged, a pre-teen

cricketer, who is more Boon than Bevan, catches

Yuvraj Singh’s eye. Though drained after

answering question after question on cancer and

chemotherapy inside Gurgaon’s Pathway school,

which also houses his academy, Yuvraj gives a

glimpse of his old devilry. “Five laps for this kid

everyday,” he tells the coach in mock anger.

But before the kid’s ample cheeks could turn red,

he takes off the mask. “Maazak kar raha hun yaar, aaj kal main bhi paanch round nahi bhaag sakta (I

am joking, these days even I can’t run five laps),” he says with his trademark chuckle.

‘Yuvi,’ his baseball cap turned back, cracking jokes at nets; it’s all too familiar and nothing

seems to have changed. Except that the cap sports

the logo of YOUWECAN, his cancer charity, and

it is not Sachin paaji, Zak or Bhajji — his three

close mates in Team India — who he has in splits.

But once he begins his interaction with the kids,

‘Yuvi’ fades away and the new Yuvraj Singh

takes over. The man who is talking, is the one

who, after achieving his biggest dream, got the

shock of his life. His healthy body (though the

waistline needs trimming) doesn’t quite show any

visible signs of the battles it has fought over the

last couple of years, but the weight of his words

do. “Discipline is the most important thing for a

young cricketer. Once you travel out, I don’t want any complaints concerning discipline from

outsiders,” he says. The ‘D’ word gets repeated several more times, as Yuvraj cautions the kids

against smashing glasses, breaking bats and other assorted temper tantrums. “I have done these

things but trust me they are wrong.”

It’s been long, but Yuvraj is loving the company

of kids. The restless agents are now whispering

constant reminders about the waiting media as

more interviewers line up. Also asking for

Yuvraj’s time is a tiffin of home-cooked lunch

that arrives by car. It is 5 pm and Yuvraj might

well call it an early dinner. Finally, he walks out of the nets.

That’s when a security guard floats a request of

capturing him on his basic Nokia. Those around

the star try to shoo the ‘photo seeker’ away with

the ‘next time, certainly’ line, but Yuvraj obliges.

“Let him take a picture, two minutes wouldn’t

make a difference,” he says.

Just a couple of hours ago, he had said: “I have

changed for the better. Playing for India,

adulation, money, success, all that is fine but the

most important thing is to reach out to those that need you.”

It all falls in place; extended pep talk to the

academy kids, a few seconds to be the most treasured image in the folder of a fan’s mobile

phone or, more importantly, through his new initiative, speaking to a cancer patient over the

phone, saying: “I know it’s tough, if not you, do it

for your family.”

Success and trauma can change people, as for

Yuvraj, he has had back-to-back visits by both

recently. He threw up almost everything he ate or

drank all through the World Cup and even months

before that. The never-going nausea and the

never-receding body aches were not because of

the Cup anxiety, as he believed, but cancer.

Along with the chemotherapy cycles came

weakness, tastelessness, unending trickle tears,

mood swings, the wheel chair and worse, blood clots to his stomach. “For three months, I would

inject a kind of blood-thinner into the stomach

myself. You have to take the initiative to get

better,” he says with a face devoid of emotion.

With food tasting like cardboard, meal times were

depressing. Sleep was the only solace but

undisturbed slumbers were rare. Losing four kgs

and gaining 10 kgs later was another adjustment

he had to make. Those tough days, Yuvraj says, has helped him appreciate life’s every little

moment these days.

Joy of sprinting Listening to his magical talk about every-day

things helps one best understand his days of distress. “I love every meal I have, I had a samosa

just a while back and it tasted really great,” he

says. When it comes to explaining the joy of

sprinting at full tilt, something that he has just

recently added to his training routine, he is at loss

for words. Even breathing is achievement. “I can

breathe with both my lungs now, that’s joy. The

capacity of my left lung had gone down

seriously,” he adds.

Yuvraj does aim to be a part of India’s T20 World

Championship squad in September but he also

wants to participate in the two T20 games against

New Zealand earlier in the same month. He trains for five to six hours but needs to do more. Though

his room is still always in a mess, Yuvraj insists the one-time bad boy has become disciplined

when it comes to eating, sleeping and being selective about the company he keeps. And, of

course, as he told ‘Boon’ at his academy, he needs to be able to run 5 laps consistently without tiring.

Can the new Yuvraj Singh, mellow and mature, achieve things that Yuvi couldn’t? “I want to excel in Test cricket. But if it happens it happens. My motive in life has changed to not worry too much about my performances. I wouldn’t set targets. If I make it to Indian team it will be a big achievement.”

Star cast: Akshay Kumar, Asin, Himesh

Reshammiya, Sanjay Mishra, Mithun

Chakraborty, Raj Babbar, Mukesh Rishi.

What’s Good: The comedy & funny dialogues;

the action; some performances.

What’s Bad: The stale story; Himesh & Akshay’s

hamming; the forced songs. Watch or Not?: For Akshay Kumar’s action and

the humour, this one’s worth a one-time watch. Khiladi 786 is a mish-mash of Akshay

Kumar’sWelcome and Ajay Devgn’s Son Of

Sardaar. Even if it doesn’t take the best of both

worlds, you’ll end up having enough laughs in the theatre, though it won’t be memorable any time

after that.

A wedding planner’s son, Mansukh (Himesh

Reshammiya) ends up ruining most of the

marriages his father works on. After getting

thrown out of his house, he winds up with

Jeevanlal (Sanjay Mishra) and swears to conduct

at least one marriage successfully to get back at

his father. And who should land up at his door

other than the tempestuous Indu (Asin) who’s

driven away another prospective groom. Asin’s

brother, the dreaded don Tatya Tukaram

Tendulkar (Mithun Chakraborty) assigns

Mansukh and Jeevanlal with the job of finding a suitable groom for his sister.

Though in the deep end, Mansukh has just the guy for the job. He goes to Punjab to meet Tihattar

Singh (Akshay Kumar). Now Tihattar is actually from a family of bodybuilders and ruffians, who

dress like cops, dispense justice like them and even dress in uniforms like them. Tihattar can’t

wait to get married but considering their

reputation, it’s quite impossible to find a bride for

him in the country. In fact, his father Sattar Singh

(Raj Babbar) married a Canadian, his uncle

Unhattar Singh (Mukesh Rishi) got hitched with a

lady from China while his grandmother is from

Africa. With so much international diversity in the

household, Tihattar is only too glad to hide his

family’s real business so that he can finally get a

wife.

Meanwhile, the Tendulkars put up a show of

being cops so that the Singhs feel that the bride

comes from a respectable family when the latter come to Mumbai for a ‘chat-mangni-pat-byah’.

Will the Tendulkars and Singhs find out the truth about each other? What happens then? Why does

Indu keep sabotaging her own marriage proposals? Does Tihattar manage to win her

heart? Many laughs and punches later, the answers come together.

Khiladi 786 Review: Script Analysis

Strike One for Himesh Reshammiya with his

entirely unoriginal story. This would probably be

the first movie in which an actor has acted in the

remake of his own movie. The entire plot is lifted

from Welcome, with just a few cosmetic changes.

A criminal family wants to get their child married

to a respectable one. Hilarity ensues. Thankfully, the saving grace is Kunal Bakshi’s

screenplay and Bunty Rathore’s dialogues. The lines are funny and will keep a grin on your face

throughout the film. For eg: Inspector Bhalerao Kambli (Johny Lever) threatens to call “Kejriwal”

when he’s shoved in a room while trying to blow Tatya’s cover. When he reappears in the climax,

the writers bring out the Kambli-Tendulkar fight

very smartly. These clever gags really make the

movie enjoyable with the gags that keep playing

along.

Khiladi 786 Review: Star Performances

Akshay Kumar doesn’t have much to act as

Tihattar Singh and it’s mostly the usual ham act.

But he’s bearable and does satisfactorily well (Fun

fact: he wears spiky golden mojris). Asin looks

hot and tries hard to play the gangster’s sister. She

reprises her role as the runaway bride after Ready.

Strike Two for Himesh for his attempt at acting

(again) as the flabbergasted wedding planner. Most of his act is saved by the very talented

Sanjay Mishra, who plays Jeevanlal. Mithun Chakraborty carries of the role of Tatya very well

but his moustache looks too fake! Mukesh Tiwari is first-rate as a cop.

Khiladi 786 Review: Direction, Music &

Editing

After playing Assistant Director to so many

of Rohit Shetty’s films, director Ashish Mohan

finally gets his moment, and he holds it up well.

He reflects many of his mentor’s traits with the

over-the-top action scenes and flipping cars.

Strike Three and Himesh is not out.

Attar Singh’s cinematography fills the screen with

every imaginable colour. Thankfully, it suits the

whole ‘Punjabi’ vibe and doesn’t leave you with

spasms. Jai Singh’s action is very good. Though

Akshay beating people faster than their eyes can

fathom it is a bit of a stretch, the body toll is

exciting. Also here action equals Akshay beating the pulp out of people with the earth shuddering

and walls crumbling. There’s no concept of anyone being able to even lay a hand on the hero.

Ashish Gaikar’s editing is alright.

Khiladi 786 Review: The Last Word

If you want nothing more than an enjoyable action-comedy without much sense, give Khiladi

786 a watch.

Aries (Mar. 20--Apr. 19) : Your attitude about yourself is not altogether

accurate right now. You may think way too much

of your ideas, or alternately, you may see yourself

as lower than scum. Neither one is accurate and

you should probably not make decisions of any

importance this week. Spiritual pursuits are given a "go" signal.

Taurus (Apr. 20--May 19):

Issues of commitment in one or more relationships become prominent. You may be struggling over

whether to commit to what is in front of you versus looking for a better possibility. If this is so,

you probably aren’t really ready

to find the one who will tempt you into

commitment. Someone enters your life as a

spiritual “teacher” near the 11th

.

Gemini (May 20 -- June 20) : Pay attention to “messages” that people offer to

you over the next two weeks. A piece of

information or a discussion is likely to be exactly

the thing you need/want to hear at this

time. Accept education from wherever it

comes. The message may even come through

your body.

Cancer (June 21--Jul y 21) : Your mind and heart are clearly in sync at this

time. You are likely at peace with yourself. There is a solid and practical solution at

hand and you do not have to quarrel with yourself over it. Activities involving your children and/or

other creative products of your being are

favored. Love life flows smoothly.

Leo (July 22 --Aug. 21): You have enough energy to spare. Apply heavy

muscle to exercise or a chore that needs to be

done. Otherwise you may become snappy and are

liable to pick a fight. Work with those who share

your rhythm this week, or you may say things that

you'll wish you had not.

Virgo (Aug 22--Sep. 22) :

You are in a reasonably good place with yourself at this time. Your heart and mind are flowing

together. You have no conflict between your feelings and your thoughts about those

feelings. This is a time for reflection on important subjects. You can make good decisions now.

Libra (Sep. 23--Oct. 22) One or more relationships in your life seem weird

right now. It’s possible that someone will be

eccentric, irascible, or shift from one foot to the

other. It is also possible that you are being

manipulated by someone who is not necessarily

being a friend. If you feel wary, heed that internal voice and use caution.

Scorpio (Oct. 23--Nov. 21) :

Sometimes we are pressed to see the flaws, even in those things and people we love the most. You

are not at fault in this situation, though you may be looking for what you "could-a/ would-a/,

should-a/" done. You did the best you could at the

time.

Sagittarius (Nov. 22 --Dec. 20) :

You have more energy than you know how to

manage this week. Use caution when driving

because your accelerator foot is probably a bit

heavy. Pour that muscle into making the work

you need to do to take yourself to the next

level. Your fire is high and may overwhelm

others.

Capricorn ( Dec 21 -- Jan 19) : Your leadership ability may be tapped in order to

serve a greater whole over the next two weeks. In the beginning you may feel that you “can’t” do it,

but by the weekend you will have a much stronger sense of confidence. You must relax and go with

the flow.

Aquarius (Jan. 20--Feb. 17) :

This is a really good time to sniff out the weak

spots in your plans and make reparations before it

is too late. Do some research. Talk to people in

the background. It may be that the Powers That

Be might back you. Follow the ground rules

strictly. There is not much wiggle room here.

Pisces (Feb. 18--Mar. 19) : Take every precaution not to abuse your body

during this period. Drugs or alcohol could have

peculiar side effects. You are in a low physical

cycle and will be unable to push yourself as hard as normal on any physical task. If you are

affected emotionally, try not to worry about it. Your body/feelings will right themselves after

the 15th.

373/B, Isha Krupa,

3rd Floor, Room No. 7, Bhandarkar Road, Opp Pramanik

Matunga – CR Mumbai – 400019

www.jay-ho.com info@jay-ho.com

Sashin Shah – 9820966500 Bhavik Veera - 9820566451

LETTER FROM THE EDITOR

Dear Friends,

Hello and welcome to one and all, with 11th Issues and more than 2

months of UTH-N-YNG we have tried our level best to provide you with

content and topics that are useful to you and can help you in your day to day

life.

We are committed in providing you the best information available out

there so that all our readers are well aware of what’s going around in this

world.

For this we need your support and co-operation, we would like to invite

you to write for UTH-N-YNG and provide us content and suggestions which

you feel may help us provide better content and information to our readers.

If anyone wishes to contribute Physically, Mentally or monetarily feel

free to contact us at

info@jay-ho.com

sashin@jay-ho.com

bhavik@jay-ho.com

For more information visit our website www.jay-ho.com