Are You Ready To Retire? Learn From History: By Dr. Harsh K. Luthar

I recall a discussion with a colleague in late 2007 about retirement. He was preparing to make that transition in a couple of years. Unfortunately, the stock market started to slide when he was about a year away from retirement.

The market crashed on September 29, 2008. The decline continued and, by the end of 2008, Dow was down to 8,776. Naturally this dramatic decline in the market created serious challenges for people who were close to retirement and had most of their pension in stocks.

We have now entered August of 2017. August and September have historically been the worst months for stocks. This year, increasing international tensions and the potential for a serious conflict between U.S. and North Korea will add further uncertainties to the financial markets.

Although no one can predict the future, it is important that businesses educate their employees on the basics of risk management when it comes to their financial portfolios. HR departments can and should play an important role in preparing their employees to weather all types of market conditions. Ultimately, we are all responsible for educating ourselves on how to best navigate through turbulent and challenging times.

 

The Nature of Joy

I have left all my practices,

and words of the wise

now sound like noises

in the city at lunch time.

On entering the heart of awareness,

I saw that

joy is simply the glow of contentment

devoid of longing.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Nature of the Ego

“When the ego rises, all things rise with it. When the ego is not, there is nothing else. Since the ego thus is everything, to question ‘What is this thing?’ is the extinction of all things”.

The quote above from Bhagavan Ramana is from ‘Reality in Forty Verses’ (‘Ulladu Narpadu’), v. 26. It can be found in Bhagavad’s “Collected Works”.

Here Bhagavan eloquently points out that one cannot force oneself to give up the ego. The very attempt to discard the ego, is itself based on the assumption of separation from the whole. In other words, the effort to conquer the ego is based on egotism!

Such forced efforts to overcome the ego end up only reinforcing the notion that we are “separate” from the Universal Existence. With such attempts, the nonexistent phantom of the ego appears real in our imagination.

Hence Bhagavan Ramana says, “Question, what is this thing, this ego which manifests as a sense of separateness from the whole”? Where does it come from?”

This inquiry requires us to simply bring our attention to the sense of identity, the sense of “I AM”. It is only by bringing quiet, nonjudgmental attention on the ego, that the ego can be see through as unreal. The method is simple and yet the mind has to be made pure and subtle to grasp it.

Love to all

Namaste

 

ONLY AS SICK AS WE ARE SECRET

From the very gifted and insightful mystic writer from Arunachala, Mira Prabhu. Thank you Mira.

mira prabhu

ed54db0481b9c9836e19388d8ce6f3d0Anyone who has grown up in a traditional community knows that one is strongly urged to never speak about the skeletons rattling around in both individual and community closets. As for me, I was so open with strangers right from the get go that my conformist mother would warn me to hush. “Your big mouth will get you into trouble,” she’d say sternly. “There’s no need to tell everyone how you think or feel. If you continue like this, no one will marry you.” I would snigger, thrilled at the thought that this innate habit of frank communication would repel prospective partners who didn’t appreciate honesty. Life had thrown enough chains on me already—why on earth would I want one more?

My mother was wrong. My wildness drew people to me. But I had seen too much already to be dazzled by the usual courtship rituals and already horrified by what…

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The Spider & The Blue-Throated God – Part 2/2

Part II by Mira Prabhu

mira prabhu

sad_woman

Did I go from being a neurotic worrier to a goddess radiating mega-rays of tranquillity in a few short weeks? Sorry, but this ain’t no fairy tale. The sad truth is that I was born with a depressive gene: to see a glass as half-full instead of half-empty can still often be for me a true labor of Hercules. But by putting a positive spin on my life, my fears shrank, my vision cleared, and I could move forward with increasing confidence. Still, there were many times since that I found myself embroiled in situations so dark I could not find a single reason to be grateful.

One such nightmare saw me trapped me in a guesthouse in Rishikesh during the Neelkanth Mahadev temple festival that annually draws close to half a million rambunctious rural devotees down from their villages to worship Lord Shiva. The temple is surrounded by dense forest…

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The Spider & The Blue-Throated God – Part 1/2

The Journey starts. From Mira Prabhu.

mira prabhu

This post has been written in response to the WordPress Weekly Writing Challenge. This week’s challenge can be found at the following link: http://dailypost.wordpress.com/2013/08/12/writing-challenge-health/.

eugene_oregon

I owe a colossal debt of gratitude to a woman I shall call Grace, whose kindly face, hennaed hair, hooked nose and elfin green eyes still come easily and with great affection to mind. I met her over a decade ago, at a friend’s potluck dinner in Eugene, Oregon — a fairytale town where I wouldn’t have been surprised to see a hobbit or two come frolicking down the road, yodelling a hey-ho-happy-to-be-alive kinda song.

Instead of enjoying this slice of paradise, however, my thoughts had begun to stray obsessively into the future — specifically on the looming prospect of having to leave Eugene for south India, where I’d set in motion the construction of a beautiful home for myself. Whew, was I mad at myself…

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PLATINUM INSURANCE

From Mira Prabhu, the mystic, yogini writer residing at Arunachala mountain in India.

mira prabhu

36e4cbc86a09d338c9b54bed3a0b98fdHow are you? I asked a friend in Manhattan. Oh, I’m just FINE, he said with a laugh—then proceeded to inform me that FINE was an anagram for Fuddled, Insecure, Neurotic and Egocentric. (Actually he used two hyphenated words for the ‘f,’ but I think I’ll leave what they are to your rich imagination.)

The fact is that almost every one of us is (or has been) fraught by a million insecurities—and who could blame us? Consider the world wars our species has endured, the concentration camps and gulags, the ugliness of misogyny and patriarchy that plague so many, in a nutshell, man’s inhumanity to man—all of which leave scars on the collective human psyche. Above all, consider our ephemeral nature, as fragile as a snowflake melting under a hot sun. No matter how big we are in the world, nothing can protect us from old age, sickness and death; yes, when Yama…

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