a narrative about self

Recently my friend shared a post on how people tell stories and how they potrya themselves in those stories reveals a lot about themselves ....Some are heros in their stories , some are victims , the narrative about self goes on to create your personality ......And so the author says he will have stories in which he is happy .......Can that really help m sitting.on a Friday morning dreading office work ,,this has become a routine now every morning the dread a sinKing feeling in the stomach, how I envy people who have lot of friends and look forward to being in office , why am.i not that enthusiastic ......Is it lethargy or is it some.thing deeper , I don't trust my self enough to give me the luxury of thinKing this is something deeper , m too busy repeating the narration that I have heard from everyone , you are lazy, lethargic . Secondly I have observed that I am too distracted am not living in the present , when am physically present mentally am far off thinking something else. This habit of ruminating thoughts is a big contributor to stress.....Your though t and action have to be aligned for you to be at peace ....It's not been happening for quite some time now . Even while.meditating I was far off mentally 

Do.i quit this all for.mental peace and go away or.do I stay and fight ....Will I learn to overcome these thought habits .  

On 16 th sept 2019

We are our harshest critic which is not a good thing , i in particular criticise my self a bit too much. I understood  the meaning of love thyself, it means just that ,  love ur self , be kind to ur self, forgive ur self.

I feel like a under achiever not because of anything   else but only because am not working and living out of India . That's one thing i have always wanted . But not yet happened.

I do know for a fact that even when my work abroad wish is fulfilled i will still be discontented , and that is because i dont know how to be happy . I have not been happy for a long time .i dont know how that feels anymore.
Is it indifference or is it a shield to protect urself from being hurt i dont know.

Is anyone truly happy, ? And what is beyond happiness , is there an end to this curiosity is there a point where all these thoughts die away ?

On 14th sept

I saw cosmos the series presented by neil degrass. Its a well created series that makes u realise the insignificance of our solar system.  He talks about life on a speck of dust . The earth , the sun the whole solar  system is just a grain of sand on the cosmic ocean.

It changes ur perception that life is something that is fragile and needs to be protected . On the contrary life is strong and survives harshest of climate . It may not be human or animal life but could be microbes , life survives in many forms and lcan adapt to the harshest environment. It's a eternal dance of life emerging and nature either nurturing it or killing it off

It also makes u realise that life is a aberration , the cosmos is happy to keep juggling hot balls of fire or cold balls of ice ,  or the greedy black holes , it's like a vast factory that keeps creating, destroying and recycling celestial bodies. May be life is something that happens unknowingly as the cosmos is busy creating and destroying objects much like a colony of ants in a factory.

On 13 sept 2019

My bday was on 11th sept , all my friends wished me , my parents did not . Since child hood for some reason birthdays were never given much importance in my family.

And that habit is now ingrained in me. Birthdays make u relook at your whole life. i detest nostalgia as i feel  future is more exciting than past . But i tend to make exceptions on birthdays . I listened to all those songs which made me feel cool in my teenage years ...i still like the songs but the emotions don't run high , like when Madonna croons vooooogue i just used to love it , now i just like it .

It's like a shraaadh,  u remember the old you , u hardly miss that guy , but you pay homeage nevertheless to the guy u were coz he made what you are ...

On 9 sept 2019

I Am all dressed  and  sitting here on my couch. Am supposed to go to office , am supposed to earn , am supposed to provide for my family and kid. Of course I bound my self into it pretty much .

Am thinking what is the purpose of all this . Am not a great believer in reincarnation etc , and even if it exists, but if I don't remember my previous birth then it's irrelevant

May be people want to look forward to something even beyond death and hence we invented a elaborate afterlife . It's scary to realise that we live just once

Loans against Gold Ornaments and Jewellery for Non-Agricultural End-uses

Loans against Gold Ornaments and Jewellery for Non-Agricultural End-uses

RBI has issued guidelines that

Loans extended against pledge of gold ornaments and jewellery, for other than agricultural purposes, where both interest and principal are due for payment at maturity of the loan will be subject to the following conditions:

1. Banks, as per their Board approved policy, may decide upon the ceiling with regard to the quantum of loans that may be granted against the pledge of gold jewellery and ornaments for non-agricultural end uses;
   
2. The tenor of the loans shall not exceed 12 months from the date of sanction;
   
3. Interest will be charged to the account at monthly rests and may be recognised on accrual basis provided the account is classified as ‘standard’ account. This will also apply to existing loans;
   
4. Such loans shall be governed by extant norms pertaining to income recognition, asset classification and provisioning which shall be applicable once the principal and interest become overdue.
   

 it is also clarified that LTV of 75 per cent shall be maintained throughout the tenure of the loan for all loans extended against pledge of gold ornaments and jewellery for non-agricultural end uses. The LTV ratio shall be computed against the total outstanding in the account, including accrued interest, and current value of gold jewellery accepted as security / collateral, determined as per the methodology prescribed in our circular dated January 20, 2014.
4. For the purpose of valuation of gold, banks may use the historical spot gold price data publicly disseminated by a commodity exchange regulated by the Forward Markets Commission on a consistent manner as per their Board approved policy, in addition to the prices disseminated by the India Bullion and Jewellers Association Ltd.

Issue of Prepaid Forex Cards- Due Diligence and Adherence to KYC norms

Issue of Prepaid Forex Cards- Due Diligence and Adherence to KYC norms


It was reiterated by RBI that prepaid foreign currency cards are a form of foreign currency, similar to foreign currency notes or travellers cheques. As such, the authorised dealers/FFMCs selling pre-paid foreign currency cards for travel purposes are required to comply with the same rigorous standards of due diligence and KYC as they would in case they were selling foreign currency notes/ travellers cheques to their customers.