www.vedaanta.com May 2015 Volume 1 Issue 4 SENIORZ TODAY NEWSLETTER

Cover Story Fitness with special emphasis on Cardiac disorders for women Luxury Retirement Villas @ 25.03* Lakhs onwards 1 & 2 BHK 22 Kms from Bus Stand 28 Kms from Coimbatore Bus Stand 23 Kms from Coimbatore Railway Station 19 Kms from Town

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Senior Specific Services Offered:

Health Conscious, Saatvik Vegetarian Food 24x7 Paramedical Services Medical Record Maintenance 24x7 Ambulance Systemized Evacuation Procedure On Call Doctor 24×7 Security Personnel Property & Rental Management Housekeeping Services Home Needs & Maintenance Geriatric Gym With Qualified Trainer Walking Trails Wi-fi Enabled Community Library & Reading Room We are here to make you re-live your childhood in your silver years!

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Pollachi Road Toll Free : 1800 103 4910 Eachanari Chennai: Door #11, Kanakasri Nagar, Cathedral Road, Chennai - 600 086. Salem Kochi National Highway Malumichampatty Ph : +91 44 4910 4040 Mob :+91 76677 44012 Karpagam Medical College Email : [email protected] Othakalmandapam Vedaanta Website : www.vedaanta.com Brindhavanam Vedaanta Seniorz TODAY May 2015 Volume 1 Issue 4

Editorial Board From Vedaanta’s Desk

Editor : Ashwin Kumar Iyer Dear Reader, Sub-Editor : Sona Ramani Creave Designs : V. Dharmendran Greengs from Vedaanta Senior Living!

Arcles in Columns: It gives us immense pleasure to be able to offer you blissful silver Guest Contribuon: years through our rerement dwellings. Changing cultural paerns, weakening of family es and lookout for rering away Sujatha Sathia Murthy from the city has paved way to rise in rerement dwellings across Dr. L. Ravindran R. Selvakumar the country. With availability of numerous choice of locaon, size Venkat of the dwelling, availability of a variety of senior living opons, the Dr. R. Nagaswamy niche market of rerement communies is fast growing. Dr. Harikrishnan Parthasarathy Vedaanta Senior Living, in the mission of making your silver years In- House Contribuon : comfortable through our rerement communies has set foot in A R. Sujatha Kumbakonam, Coimbatore and Bangalore. Our rerement resorts Mythili Balakrishnan & holiday homes in Kumbakonam offering you a blissful Ashwin Kumar Iyer rerement in the banks of Kaveri, is a luxury rerement to savor Sona Ramani the fruits of rerement. Our luxury rerement villas on the B.G. Sriraam Coimbatore-Pollachi highway offers you a complete luxury rerement set amidst the ghats. Circulaon & Distribuon: We look forward to serve you to the fullest of our abilies for a Chennai : Z. Akbar blissful rerement. Bangalore : R S. Prabhu Mumbai : Dharam Joshi Coimbatore : A. Venkatesh With Greengs & Care, Kumbakonam : V. Mithun

P.B. Anandapadmanabhan © Vedaanta Senior Living LLP 2015 Chairman All Rights Reserved No part of this newsleer or any of its contents may be reproduced, copied, modified or adapted, without the prior wrien consent of the editor, unless otherwise indicated for stand-alone materials. All the content contributed by guest experts remain the property of the Ashwin Kumar Iyer respecve people. All the content guest experts provide is the opinion of the respecve expert and has not been researched or validated by the Editorial Board of Vedaanta Senior Living. CEO Commercial use and distribuon of the contents of the magazine is not allowed without express and prior wrien consent of the author. Vedaanta Seniorz Today INDEXINDEX M a y - 2 0 1 5

Home & Garden : Eat from your own Veggie Garden...... 5 Lookout : Technology is Religion. Gadgets are the new Gods...... 7 Well-Being : Stay fit with athletics in your silver years...... 21 Law : About Last Wills and Testaments...... 11

08 Fitness with special emphasis on Cardiac Disorders for Women An Introduction to 16 Family : A Bouquet of Flowers 06 Technical Analysis 18 The BIG Ticket Deduction

C for Change, C for Cinema and 22 C for Character too... 14

In every edition: Food Lust: Quiona Kheer Tarot Reading: Know the month ahead Laugh out Loud Spirituality Home & Garden Trade Lookout Cover Story Law Spirituality Eat from your own

It indeed is a matter of pride when you pick up vegetables from your own garden and cook chemical-free food for your family! No matter how little or Get your soil ready: growth and shades out competing how big a space you have, you can Building up the soil is the most weeds. Only, make sure that you plant always have a small garden. Not only important factor in getting you the fruits together compatible crops such as does it lower the cost of providing your of your labour. The more the soil is deep tomatoes, basil and onions; leaf lettuce family with healthy, organic vegetables, and organically rich, healthier are your and peas; carrots, onions and radishes, it also reduces the environmental impact plants. Make raised beds to get deep to name a few combinations. of chemicals and transporting food. In layers of fertile soil. This way plants addition to having your own veggies, grow close enough together making the Some plants that you can home-grow: home gardening relieves stress and gets watering and harvesting more efficient. 1.Lettuce: Best grown in spring or fall you a good dose of everyday exercise. and can be trimmed down multiple Wondering where to start from? We will Know how you set them: times for repeated harvesting help you set up your own veggie garden. How you arrange your plants matters in 2.Tomato: An all-season crop, Starting your own vegetable getting the maximum yield. Arrange tomatoes are best grown in full sun and garden: tour plants in triangles or circles than plenty of compost. Starting a vegetable garden at home is square or rows. Space your plants 3.Peas: Best grown in cooler easy, healthy, saves money and is one of slightly loose. Overly tight spacing can temperatures, these crops give you the best hobbies you can have in your stress plants and make them more crunchy pods that can be saved for the silver years. All that your plants need is susceptible to diseases and insect off seasons. full sun for about 6-8 hours, plenty of attacks. 4.Beans: They give you a bounty water, nourished soil, and good care! produce if you give them enough sun Mix & Match: and some water. Decide what vegetables you Inter-planting the right crops not only 5.Radish: Better yield in cooler want to be home-grown: saves space, but also allows better temperatures, these grow very fast with Start small when you start to build your growth and shades out competing little water and sunlight. li'l garden. Decide what your family will weeds. Only, make sure that you plant Wrap up to make your meals more like, how much you will consume together compatible crops such as personal, healthy and interesting before you start planting. tomatoes, basil and onions; leaf lettuce from your own veggie garden! - Sona Ramani

Vedaanta Seniorz Today Vol.1 Issue 4 May 2015 5 www.vedaanta.com Home & Garden Trade Lookout Cover Story Law Spirituality An Introduction to Technical Analysis constant monitoring of vast amount of information from various sources. On the contrary, it is based on the belief that all relevant information is already reflected in the market price and any new information will impact the price as The method used to analyse soon as they are released. That's s e c u r i t i e s a n d m a k e why for the purpose of conducting investment decisions are technical analysis, all you need to watch classified into two broad is market price and volume traded. In categories: fundamental case of futures, you need to watch for analysis that involves analysing the another figure – the open interest characteristics of an organization with indicator (the amount of currently financial data and Technical analysis that outstanding contracts in the market). considers only the price movements in Moreover, technical analysis can be academics) still reject it and criticize it as the market with no heed to financial data. applied practically to every market – to completely redundant. For example, equities, bonds, commodity futures, according to the efficient market theory, Technical analysis is a method that currencies, etc. it should not provide any benefit even if attempts to forecast future price trends by the efficiency of the market was low, the means of analysing market action. 3. History repeats itself because all publicly available The most common approaches to information should be already reflected The core idea of technical analysis is that technical analysis are the chart analysis in market price. and the statistical approach. history tends to repeat itself- the reason we find certain situations in the market Many professors still call it a The Key Premises Of Technical that occur regularly. These situations can “pseudoscience”. The truth is that Analysis be discovered by chart analysis and technical analysis is indeed highly technical indicators, which we can use subjective. On one hand, it is the case 1.Prices move in trends for our advantage – and that is precisely because while studying charts and what technical analysis is trying to do. It looking for patterns everyone can see a was established as early as 18th century. The first and also the key premise of very different thing. Also, there is a vast However, most of its methods as we technical analysis is that asset prices tend array of technical indicators and every know them today were created in the first to move in trends. Three kinds of trends analyst uses only a few of her favourite decades of 20th century, repeating itself exist- the upward trend (bullish), the ones and can even adjust or calibrate in history. Because all the concepts of downward trend (bearish) and no trend them differently. Another often technical analysis are based on studying (sideway move). In case of a sideway mentioned argument against technical historical data, validity of this premise is move, prices oscillate in a narrow range analysis is that it is a self-fulfilling crucial. Several studies have shown that for some time, whereas their future prophecy. particular events occur repeatedly in the direction is hard to determine. According market. These events are reflected in to technical analysis, a trend is in effect As technical analysis (and especially market price, which is again the primary until it reverses. chart analysis) is highly subjective, its source of information for particular success is highly dependent on how indicators and chart analysis. 2. Price discounts everything experienced its user is. The more experience an analyst has, the better he In spite of the fact that technical analysis can determine the kind of pattern or a Technical analysis is a kind of market has been used for decades by almost all possible trend reversal. analysis that compared to the exchange traders (including major banks fundamental analysis does not require and mutual funds), many people (mostly -B.G. Sriraam

Vedaanta Seniorz Today Vol.1 Issue 4 May 2015 6 www.vedaanta.com Home & Garden Trade Lookout Cover Story Law Spirituality

just sit/stand/sleep on ground or sand (provided we can find that in Technology is Religion. a city). Technology is religion. It can be Gadgets are the new Gods both good and bad depending on how we use it and it is also capable of offering both good and bad. Putting the gadgets to the best utility to enhance one's understanding and learning of the intrinsic facts and truths with a scientific approach unpolluted by any outside influence or biased conditioning with proper attitude by seeing gadgets as a better means and not as an end in itself is the science of modern day spirituality. Today, any individual, young or old (now even small kids) are being technologically advanced and highly proficient with the latest updates with technology. With the increasing availability of senior friendly gadgets, staying connected with elderly parents and grandparents has been becoming very easy. Those were the days when Windows makes you feel like keep everything else Like every medium, technology was just a small hole on the wall, away with its amazing touch and apps; too can be misused, abused and Application was something written on Blackberry is owners delightful addiction , over used. It is not the fault of paper, Mouse was an animal, Keyboard once you taste its user friendliness it is technology but that of the was only on a piano, Web was a spider's difficult to give up; Virus is a creative and users.One can use a knife to save a home, Cut was done with a knife, Paste clandestine intruder whose programming life through surgery, cut a with a glue, Apple and Blackberry were skills can be positively used much better vegetable and also stab someone to just fruits, and Virus was just a sickness. than a vaccine. death.We all need to face and accept facts and learn to make the But then those windows allowed less Gadgets are the New Gods, mostly optimum utilization of technology because of their geographical constraints omnipresent, omnipotent and at least helps beyond using it as a mere tool for compared to what this Window does; that by providing opportunities to realize the remaining connected on social mouse had limited access but this mouse omniscient potentialities. Even if we don't media, though that is of great can bring the world in your hand, worship them, at least we cannot do utility.We must mentally accept especially in a world of cat and mouse without them [we all use them when every the immense impact and race; those key boards produced only other logical and illogical things fail and importance of technology and certain vibrations of sounds but this key when we are alone and incapable of facing gadgets. board uses the keys to open the mind to our own self all alone.In fact, can any wander into broad world of things; that human being undergo Gadget fasting for a The author Venkat is an avid writer, web gave torrid time to people suffering day .i.e. no tooth brush, no cooked food, reader and a philosophical enthusiast. from arachnophobia (extreme or irrational not even coffee, no cups or spoons but His interest across travel, spirituality, fear of spiders), but this web connects must use only use hands, pick raw uncut arts, literature, philosophy, and sports o minds cutting across all barriers; this vegetables, fruits, grains etc. No sitting on makes his work a 360 delight for his Apple not only keeps the doctor away but chairs, not using any vehicle, no bed /cot readers.

Vedaanta Seniorz Today Vol.1 Issue 4 May 2015 7 www.vedaanta.com Trade Lookout Cover Story Law Spirituality Special Feature Fitness with special emphasis on Cardiac disorders for women

Vedaanta Seniorz Today Vol.1 Issue 4 May 2015 8 www.vedaanta.com Trade Lookout Cover Story Law Spirituality Special Feature

Hormonally-mediated metabolic Yes, pregnancy can cause or aggravate 9. Is treatment of cardiac disease any disturbances seem to play a major role. underlying heart conditions. Few different in women? Over 80% of midlife women have one conditions to be aware around Women with heart disease should or more cardiac risk factors. Even pregnancy include hypertension, receive guideline specified treatment though observational studies have arrhythmias (abnormal heart beats), similar to men . shown benefits in reducing valvular heart conditions, coronary cardiovascular events with hormone artery dissection ( tear in the artery) and 10. How long should men or women replacement therapy (HRT), cardiomyopathy ( heart muscle exercise? randomised studies failed to show any diseases). American Heart Association (AHA) benefits. 7. Any precautions to be taken in recommendations are breast feeding women with heart 2. What is the risk of smoking? ·At least 30 min of moderate-intensity disease? aerobic activity at least 5 days per week Smoking remains the leading Certain medications should not be for a total of 150 min preventable cause of heart problems in taken whilst breast feeding advice of a OR women with more than 50% of heart specialist should be sought. attacks attributable to smoking in the · At least 25 min of vigorous aerobic western world. The risk of coronary 8. What is the prognosis of cardiac activity at least 3 days per week for a artery disease increases up to four times disease in women? total of 75; or a combination of the two due to smoking, similar to men. A well know fact is that higher AND 3. What is the risk of high blood mortality in seen in women compared pressure? to men with heart attacks. This is due to · Moderate to high intensity muscle- various reasons including women strengthening activity at least 2 or more High blood pressure is usually a silent presenting at comparatively older age, days per week for additional health enemy and increases the risk of both suffer more from diabetes, and have benefits paralysis and heart attacks. Regular greater co-morbidities. health check-ups are necessary in the modern age to identify and treat high blood pressure.

4. What are non-modifiable cardiac risk factors?

These are mainly old age and family history

5. Is there any difference in the way women manifest cardiac symptoms?

Women often present with atypical chest pain. The paradox is that, in women, those with typical symptoms may not have any blockages in the blood supply. Hence it is vital to consult a specialist.

6. Is pregnancy a risk factor for heart disease?

Vedaanta Seniorz Today Vol.1 Issue 4 May 2015 9 www.vedaanta.com Trade Lookout Cover Story Law Spirituality Special Feature

11. What type of physical activity is good 12. What are the lifestyle measures that can be easily adopted at all ages? for the heart? Life style measures for women of all ages Any physical activity that makes you move · Maintain an ideal body weight and avoid obesity your body and burn calories, such as · Eat less and work more climbing stairs or playing sports is good. · Split meals into smaller portions and instead eat more frequently Aerobic exercises benefit your heart, such as · Eat plenty of vegetables and fruits · Avoid or minimise the intake of sugary, salty, fatty and fried foods walking, jogging, swimming or biking. · Regularly check blood pressure, blood sugar and cholesterol and get treated Mixing it up with strength and stretching appropriately exercises are best for overall stamina and · Exercise regularly and incorporate exercise as part of your routine activities flexibility. · Avoid smoking and excess alcohol. · Patients with diabetes should obtain a physician's and dietician's advice on do's and don'ts. References: 1.WWW.heart.org/HEARTORG/.../PHYSI 13. What are the benefits of exercise? CALActivity/.../American-Heart- Association- Guidelines UCM 307976 Strengthens the heart Increases life span Article.jsp Reduces heart attacks Reduces cancer risk 2.www.bhf.org.uk/hearthealth/prevention/ Reduces blood pressure Increases memory staying-active.aspx Reduces obesity Reduces depression ↓ bad cholesterol/↑good cholesterol Reduces strokes Dr Harikrishnan Parthasarathy, Reduces diabetes risk Strengthens bones & muscles Intervenonal Cardiologist, Improves digestion Increases immunity Apollo Hospitals, Improves mood and confidence Improves complexion Chennai.

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What each word in the Job MUST HAVE AN EYE FOR DETAIL Description could actually imply We have no quality control otherwise

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Vedaanta Seniorz Today Vol.1 Issue 4 May 2015 10 www.vedaanta.com Trade Lookout Cover Story Law Spirituality Special Feature

ABOUT LAST WILLS AND TESTAMENTS

It is useful for everyone to make a WILL, also known as WITNESSES IN THE WILL Testament. “WILL” means the legal declaration of a testator with respect to this property which he desires to be carried Section 63 of the Indian Succession Act requires you to affix into effect after his death. If you die without making a WILL, your signature or thumb impression on your WILL in such a your properties will be succeeded by the legal heirs according manner that it should appear that it was intended thereby to to the provision laid under Indian Succession Act. give effect to the writing as a WILL. This means that you are required to put your signature or thumb impression in the A WILL must be in writing. Muslims alone are permitted by space provided on the last page at the place where the WILL their personal law to make an oral WILL. The only exception ends. If your WILL runs into several pages, it is not necessary provided under the law concerns members of the armed forces under the Act for you to sign on each page. However, it is a employed in an expedition or engaged in actual warfare and good idea for you to do so. You could sign at the top left hand mariners at sea who are permitted to make an oral WILL. corner of each page or at its foot. This will conclusively Such a WILL is known as a PRIVILEGED WILL. establish that each of the pages is a part of the WILL and will also prevent the substitution of a page by an unscrupulous A WILL can be made on any plain sheet of paper which is of person. durable quality which does not tear easily through handling. It is a mistaken notion that a WILL has to be executed on Apart from your own signature, it is also absolutely essential stamp paper. WILL can be handwritten using your own hand. that the WILL be attested by at least two witnesses. A WILL A handwritten WILL is known as HOLOGRAPH and is which has been signed by you but has equally valid in the eyes of the law. However, in the case of a handwritten WILL, some confusion may be caused by not been attested by two witnesses is invalid. It is important illegibility. For a document as important as a WILL, it is to bear in mind that each witness must actually see you sign or generally advisable to have it typed. It is better you provide affix your thumb impression and similarly each attesting witness must sign in your presence.

Two important factors to be borne in mind by you while selecting your attesting witnesses are :

Firstly, the beneficiary in a WILL cannot be an attesting witness. In such an eventuality the validity of other bequests under the WILL, will not be affected, but the bequest in favour of the witness who is a beneficiary under the WILL would be invalid. The idea behind this particular provision of the Act is that an attesting witness who is also a beneficiary under wide margins on both sides of the paper, as with the passage of the terms of a WILL may be tempted to depose falsely time the paper may get torn or mutilated at the edges. regarding the manner of execution of the WILL.

Vedaanta Seniorz Today Vol.1 Issue 4 May 2015 11 www.vedaanta.com Secondly, it is desirable that the witnesses should not be very alternative executor in case the first one is no longer alive or old. Since your WILL could remain in effect for a number of unwilling to do the work. years you should preferably choose a witness some years younger to you and of course must have attained the age of This work can best be done by a person familiar to you and majority. who has the required competence. Ideally, this person should be a citizen of or at least be familiar with the situation in your REGISTERING YOUR WILL IS OPTIONAL home country, or, if such a person is not available, a person who has some legal background and who has familiarity with Under the law it is mandatory to register various classes of inheritances. documents such as Sale Deeds, Gift Deeds, Partition Deeds, Relinquishment deeds and other such documents. These ALTERNATIONS IN A WILL documents generally involve the creation, termination or transfer of an interest in immovable property. A Will also Section 71 of the Indian Succession Act provides that no creates an interest in immovable property, but being a post obliterations, interlineations or alterations in a WILL shall mortem disposition of property it becomes operational only have any effect unless such alteration has been executed in upon the death of the testator. Since the execution of a Will the manner provided for the execution of the WILLS. In the does not result in the immediate transfer of an interest in event of there being any alteration the Testator and the immovable property, it is therefore not necessary to have it Witnesses should put their signatures in the margin in the registered. The registration of a WILL is purely line where such alteration has been made. optional.EXECUTOR OF THE WILL A WILL is an extremely personal document. Until you die, the The testament should mention the name of the person who WILL is only an expression of your intention. Therefore, it will execute your will. This may be a beneficiary, but it may can be changed as many times as you wish. You can, during also be a person who does not receive anything from you. Be your lifetime, dispose off any property mentioned in your sure that the person is aware of the responsibilities and is WILL. By WILL you can bequeath all your assets, rights and willing and able to serve. As you may live a long life after your interest which are owned at the time of death plus any future or testament has been made, it may be useful to select an contingent interests. -A.R. Sujatha

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( Toll Free) Call Now : 1800 103 4910 Chennai: Door #11, Kanakasri Nagar, Cathedral Road, Chennai - 600 086. Ph : +91 44 4910 4040 Mob :+91 76677 44012 Bengaluru: No.7, Prestige Centre Point, Cunningham Road, Bangalore - 560 052. Reach us @ Reach Email : [email protected] Website : www.vedaanta.com Vedaanta Seniorz Today Vol.1 Issue 3 April 2015 13 Surya Namaskara Slokam- Bheeja Mantra, Rik (1-50) from Rig Veda & Dwadasa Namavali Om! Radiant Sun that rises, may you do away the discomfort clouding my mind and body! May such disease fly as yellow little birds! As you rise, you raise the world, I salute you again as I shall be victorious today. I bow to Thee, Mitra, Ravi, Surya, Khaga, Bhanu, Pusha, Hiranyagarbha, Marichi, Aditya, Savitr and Bhaskara.

Conceptualisation & Translation by Ashwin Kumar Iyer

www.vedaanta.com Cover Story Law Spirituality Special Feature Money Guest Column

Bouquet of “I don't care how poor a man is; if he has family, he's rich.” ~Dan Wilcox and Thad Mumford

Nothing is permanent except change, and survival is a vital role in our upbringing and shape our value systems that dependent on the ability to adapt to the dictates of change. In stay with us for life. response to the changing social and economic structures that Our life begins and ends with family, untouched by the influence the social fabric of the many regions across the globe, rollercoster ride that changes bring in between. A family is one the United Nations declared the year 1994 as the International that stays by our side through all times – good and bad, roaring Year of Families. The tradition that was started in 1994 to or rough, tender or tough ! connote the significance of families, people, societies and cultures that weave the social fabric and celebrate the bond of Whilst “individualism” reigns in the western society, the Indian togetherness , has been continued every year since then. society breathes “collectivism”, with family as the focal point of its social structure. Interdependence and co-operation act as The symbol of the International Day of Families consists of a solid green circle with an image in red. The i m a g e i s s i m p l e drawing of a heart and a house to signify that f a m i l i e s a r e t h e fulcrum of society providing stability and support to people.

What is family?

It could mean a whole range of things – a r e l a t i o n s h i p , a bondage, a supportive s y s t e m , a s o c i a l insurance, and to some – the very essence of their life.

The term family is derived from the Latin word 'familia' denoting a household establishment and refers to the binding agents , and group goals gain precedence over a “group of individuals living together during important phases individual goals, and stability over progress. of their lifetime and bound to each other by Joint family tradition biological and/or social and psychological relationship”. Indian joint families are considered to be strong, stable, close, Simply put, family consists of people who are so dear to us, play resilient and enduring with focus on family integrity, family

Vedaanta Seniorz Today Vol.1 Issue 4 May 2015 16 www.vedaanta.com Cover Story Law Spirituality Special Feature Money Guest Column loyalty, and family unity. They generally include members from joint/extended to nuclear family. from three to four generations living together, with a common Today's generation is impatient and intends to achieve within a kitchen and sharing the expenditure of running the household. generation, what countries took centuries. Hence societal The eldest member, as the head of the family, rules the changes here are not gradual, but rapid. This creates a situation decisions that other members abide by. Protocol is very strictly that is highly unsettling and stressful. Growing population followed, and this is a nurturing factor to maintain love, peace coupled with scarcity of resources, the families and individuals and discipline in the family. are leading a life filled with stress and worry. Moving away The tradition of collective living dates back to the Vedic Age. In from harmonious living has bred a society of increasing the Rig-Vedic age, family was the lowest unit of the state, with selfishness and intolerance. Borrowing humour from a blood - line being the determinant. A family was composed of quotation, the advantage of being born with siblings is that it grandfather, parents and other makes one good at fractions ! relatives. The head of the family (Kulapati) used to control his Towards Sustainable Living family. In the Later Vedic Age, the three pillars of traditional Indian society -the autonomous village, caste, and the joint family - were established. The third pillar of Indian society was A joint family system can help build a society that is more the joint family, in which thewives of all the sons of the tolerant of personal differences in views and thoughts and patriarch of the family came to live and raisethe children. When where people appreciate and carry forward the value of mutual the patriarch died, his authority was transferred to hiseldest son. respect, love and co-operation. This is one solid reason why the The emphasis placed on the interest and security of the group 'joint family system' model is the model for a sustainable living rather than on the individual is a common denominator of the in the future. three pillars of Indiansociety - the autonomous village, the caste Despite the fact that in this age nuclear family is the order of the system, and the joint family. day, a 'joint family system' needs to be revisited and revived and Nurturing Influence most importantly how could we possibly make the system work. One who loves flowers would certainly appreciate a A major factor that keeps all members, big and small, united in bouquet – some fragrant, some radiant – overall resplendent love and peace in a joint family system in is the !After all, importance attached to protocol. This feature is very unique to Indian families and very special. Manners like respecting elders, touching their feet as a sign of respect, speaking in a dignified manner, taking elders' advice prior taking important decisions, etc. is something that Indian parents take care to inculcate in their kids from very beginning. The head of the family alsotakes the responsibility of caring for each member of the family.

Researchers claim the nurturing influence of the joint family system to be one of the major factors behind the prosperity of emerging India. A joint family functioning as a cohesive unit “Families are like fudge — mostly helps in keeping one tension-free with a support mechanism in sweet with a few nuts !” times of need.

The Shift The author is an accounting professional Yet, social and cultural changes have altered entire lifestyles, with a passion for writing, travelling and interpersonal relationship patterns, power structures and reading. Rooted in traditional values she believes the rich heritage of the Indian familial relationship arrangements in present times. With culture nurtures a well knit family system urbanisation, changes in role and migration, there is a shift Smt.Sujatha Sathia Murthy that stands the test of time.

Vedaanta Seniorz Today Vol.1 Issue 4 May 2015 17 www.vedaanta.com Spirituality Special Feature Money Guest Column Well-being Cinema The BIG Ticket D e d u c t i o n

The tax filing season for the financial year ended 31st Under section 80CCG: March 2015 begins. It is necessary that people understand the Investment upto a maximum of Rs 25000 or 50% of amount benefits of tax deductions under various sections of the invested in listed equity shares or listed units of an equity Income tax act. oriented mutual fund notified by the Central Government (“securities”) for three consecutive assessment years Few sections provide additional benefits for (i.) senior beginning from the assessment year relevant to the previous citizens and (ii.) people with disabilities, which are generally year in which securities are first acquired. This deduction is not known to all. Here is a glimpse of the benefits which one in addition to deduction mentioned above and would be can legitimately avail of: available subject to other conditions prescribed under section 80CCG. Basket of section 80C, 80CCC and 80CCD that qualifies for a deduction of Rs 1.50 lakhs (FY 2013-14- Rs 1Lakh was applicable)

Public Employees' Provident Provident Fund Fund Five-year Life Fixed Insurance Deposit premium

National Savings National Certicate Pension Scheme

Equity-linked Principal savings repayment scheme of home loan Senior Tuition Citizen Five-year fees Savings time deposit Scheme of the post ofce

Vedaanta Seniorz Today Vol.1 Issue 4 May 2015 18 www.vedaanta.com Spirituality Special Feature Money Guest Column Well-being Cinema Other deductions: Section 80D : Premium on health Section 80G : Depending on who you insurance policies uptoRs 15,000 and Rs give to, half or entire donation can 20,000 for senior citizens. Deduction of become a deduction from your income Rs 5000 (including amounts paid in cash) for amount paid on preventive health check-up for self or parents Section 80GG : Rent paid for Section 80DD : UptoRs 50000 a year for furnished/unfurnished accommodation spending on the medical treatment or subject to maximum of Rs 24,000 per specified insurance scheme of a annum or 25% of total income dependent (spouse, parents, kids or (whichever is lesser). The person siblings), who has at least 40% disability. should not have any house rent If the disability is severe or more than allowance and should not own any 80%, then you can claim uptoRs esidential complex in India or abroad. 1,00,000 as deduction Section 80DDB : An individual can Section 80GGC : Any amount claim uptoRs 40,000 and Rs 60,000 in contributed to a political party or an case of a senior citizen (age 60 years) for electoral trust is deductible the treatment of specified critical ailments. Individual can also claim this deduction on behalf of their dependents Section 24 (B) : Rs 2,00,000 (Rs 1,50,000 earlier ) can be claimed by you Section 80U : It gives a deduction for on the interest due on your home loan. If the physically and mentally challenged. the house is rented out, then the entire IT allows for a deduction of Rs 50,000 interest becomes deductible. where an assessee has at least 40% of a disability. For severe disability (80% or more of one or multiple disabilities), the The next edition shall carry details of the various Income limit is Rs 1,00,000 Tax return forms which are undergoing major changes as envisaged in the new Finance Act awaiting parliamentary Section 80 E : Tax deduction on the nod soon. interest payment of an education loan for higher studies in India or abroad for a full The author, Dr. L. Ravindran, Ph.D; is time course from a financial institution or a certified financial planner and is an approved charitable institution. The Founder MD & CEO of Wealthmax maximum period for this deduction is Enterprises Management Private eight years (starting when you begin Limited, an award winning company repaying the loan), or till the entire loan is repaid, whichever is with over 12 years history of managing and advising citizens across the world Section 80EE : You get a maximum with branches in various cities of deduction of Rs 1,00,000 of interest India. payable on loan taken from any financial institution in FY2013-14 for acquisition of a residential house property. This is over and above interest deductible under DID YOU KNOW? Section 24(B) and subject to other The world’s first paper money was created in China 1400 years ago conditions in Section 80EE

Vedaanta Seniorz Today Vol.1 Issue 4 May 2015 19 www.vedaanta.com Spirituality Special Feature Money Guest Column Well-being Cinema Wealth for world to go you want vanquish all other kings and remain an unparalleled king or you Dr. Nagswamy R want to establish great fame in this world, listen to the work you should undertake now you great king. All those who gave food to the bodies in fact have given life to them to all lives that depends on water, the body depends on food and food means produced by by irrigated fields. So those who provide waters for cultivating the fields are those who sustain lives. If a king has vast area of land lying fallow with out cultivation for want of water it would serve no purpose to the king. Therefore king Cheziya.! Who revel in battles of killings, build your efforts to provide he Vedas say that water is the main these lives and bodies.If land remains T water in deep ponds where there are no source of prosperity. Āpo vā idaM fallow expecting rain for fertility it waters. Only those who improve water sarvam All these (wealth ) are due to would no do. Oh king engaged in nothing but water. This view is battles concentrate on bringing vast resources will obtain the three wealths I reflected in Puranānūru verse.. This is area under cultivation so that you can mentioned earlier namely, improving echoed in a poem on Pāndya establish lives and bodies of the people. his meritorious wealth, for the next Nedunjceliyan, by poet They only prosper who engage in this world, will become unequalled Kudapulaviyanār. Included as poem 18 work and not others says the poet. It is conquerer of all opponents and would in the collection. It is included as a virtually an advice to the king to care like to establish great fame here. Others mature advice to the king for improving for improving the cultivable fields than who do not put such efforts will not the prosperity of the people. The first battle fields. achieve those aspirations. part of the poem praises the king and prays that he should live for long years The first part begins . King you are a This pointed advice to the king is to pay to come. The second part says listen to descendent of those who by their own attention to improving water sources me if you want to have due efforts established fame in this world for water is everything. This I advice is qualification to reach the other world and ruled this vast world surrounded by especially in the light of Vedic with prosperity or you want to achieve water. Let your life Remain prosperous statement Āpo vā idam sarvam. unparalleled success in battles or you for crores of days ( from one to crores want to establish great fame, you are of days multiplied by tens of days). Dr. R. Nagaswamy (born 10 August already great. This is a suggestion that there are 1930) is an Indian historian, enough water in this world. In fact the archaeologist and epigraphist . But remember everything is dependent world is surrounded by waters.that is on human body and that is dependent the main source of your prosperity. Not on water and so one who provides fighting with your opponents. King you water provides food for and they are are the master of an ancient region those who give life to all. The body is surrounded by lofty protective walls supported by food. What is called food and moats full of fish like vālai, virāl, is that which combines water with land. āral, and ketiru. ( the poet here points out that increasing the fertility of the soil.those who Whether you want go to the other world irrigate the land are those who protect and desire to taste all wealth there, or

Vedaanta Seniorz Today Vol.1 Issue 4 May 2015 20 www.vedaanta.com Special Feature Money Guest Column Well-being Cinema Indulge

t is important to stay active as we age, to remain healthy, cardio-training which help in strengthening the core, sharp and mobile. The major focus areas in senior improving circulation, breathing and heart health fitness for staying healthy and independent are Yoga . Endurance– To improve the health of heart, lungs and Yoga is a combination of postures, stretches, and pilates, that circulatory system helps in improving flexibility, strengthen and help reduce . Strength – To build muscle endurance and thereby balance stress. . Balance – Helps prevent falls . Flexibility – Allows free mobility Aerobics Aerobics is a form of physical exercise that combines aerobic Here are a few low-impact athletics, which improve exercise with stretching and strength training routines, with resistance and endurance, while going easy on the joints! the goal of improving flexibility, muscle strength and cardio- vascular fitness.The latest in Aerobics is Zumba, where fast Aquatics & Swimming and slow rhythms and resistance training are combined to tone Aquatic exercise is the perfect low impact exercise that will and sculpt the body, while burning fat. promote and enhance physical and mental health. The water provides resistance for a great workout without damaging However, there are a few guidelines before you start with any the joints and hence is safe even for those with arthritis. fitness regimen after 60 Buoyancy reduces joint impact, while the water's resistance challenges the muscles. Aquatic exercise provides a well- ·The focus of training should be on the muscle groups around balanced workout that improves all components of physical the joints fitness: aerobic conditioning, muscular strength, endurance, ·The exercises should be of low impact and of moderate flexibility and it burns calories, which improves body intensity composition. ·Any new exercise regimen must be started under supervision ·Warm ups before the workouts and cool downs after the Core strengthening regime are mandatory ·The resistance building must be done with low weights, Abs or abdominal strengthening exercises are designed to employing the right techniques focus on strengthening the core and toning all the abdominal ·Last, but not the least, it is better to consult your physician muscles including the obliques. before starting with any active cardio-vascular fitness workout Back strengthening exercises work the spine in three dimensions to gain full range of motion and function. It helps Exercise and physical activity can have a positive effect on in improving range of motion, strength and pain relief. everyday life. In addition to the effects of exercise on physiological variables and on several chronic diseases and Cycling, plank and pilateshelp build endurance and reduce fat. conditions, they also enhance psychological wellbeing. By strengthening the core, all muscles will gain strength and With the World Athletics day fast approaching, we wish that flexibility. all seniors participate in athletic activities to reap its benefits, Resistance training using free weights, machines, and while enjoying the dividends of both sports and play! resistance bands will help build muscle, strength and burn fat. If you're already active, keep up the good work! If you Brisk walking, jogging and running are the best forms of haven't started yet, it's never too late!! -Mythili Balakrishnan

Vedaanta Seniorz Today Vol.1 Issue 4 May 2015 21 www.vedaanta.com Special Feature Money Guest Column Well-being Cinema Indulge

C for Change, C for Cinema and C for Character too.

rchana and Naveen both were Oh Kadhal Kanmani. In my opinion togetherness from their house owner working for a same MNC OKK is a timely reflection of our modern couples Prakash Raj and Leela Samson. earning handsome money and fast changing society, which I enjoyed But there is no depth in the script, it didn't own a car each. To cut cost from a first row corner seat of Theatre discuss the living together lifestyle and they have decided to live under one roof Padma at Ernakulam. (But I was cheated pains and gains of it. Especially the with just one car and started searching for a firstclass ticket with firstrow ticket climax is a clear escape from the real for a double bedroom apartment, in a is a different black comedy) issue. That's becuase Mani always posh area of New Delhi. But the landlady reflected the middle class or upper For Mani Ratnam this is a comeback refused to sign the lease after coming to middle class families and their touch and film. The master filmmaker believes in know that they were not married. go back mentality. Living together life rapid touch and go romantic covers to style is a cultural shift which is very very So the search continued and after tired handle sensitive issues. Right from Roja, sensitive. Mani touched it boldly but the four months they have decided to lie Bombay, Uyirey and now OKK he middle class man in him suggested him about their marital status. After initial adopts the same style. The issue begins to go back to the roots without crossing hesitation they have introduced from a juicey romantic couples. In OKK the boundary. Though the boundary is themselves as married couple. The lie casting Dulquer Salmaan and Nithya not crossed Aadi and Tara are two worked and the couple found a good Menen as lead pair itself is a huge notable characters who found a special apartment. success. They were as breezy as place in the list of memorable characters Alaipayuthey Madhavan and Shalini. This happened 5 years back. Now of Tamil Cinema. "Society is changing," Archana said. Like this there are many interesting We don't hide our living together unforgettable movie characters, status anymore. We don't feel uneasy which I have watched numerous or shy to openly discuss about our times. I may watch them again, again life style. Naveen continues with a and again. Whenever I press the casual smile, Our parents are repeat mode these characters come convinced and accepted our way of alive one more time and give a fresh living. We are free to continue our new look. relationship, we may or may not marry forever. Ganga and Prabhu of Sila Nerangalil Sila Manidhargal two such characters This is a true life style of a young couple, haunting me for more than 30 years. ofcourse their names are changed. They The story is about their understanding of Ganga a young Brahmin college girl strongly believe "Living together is not their space in other's life and what they played by Lakshmi and Prabhu, a middle an offense and Living together is a right expect from each other. But their aged business man played by Srikanth, to life." Yet they don't leave behind their reluctance of committed relationship enters into a unique relationship which family roots and relations. But they don't leads them to a unorthodox living life was never heard in the history of Tamil apply old marriage rules to their new style. They decide to live together Cinema. Infact SNSM was a movie living together style. without entering into marriage. released ahead of its time, which was a The above story of Naveen and Archana But soon they realize that relationship is novel by Master writer Jayaganthan and may remind you Aadi and Tara of Mani more than romantic dinners and beach directed by Bhimsingh. Rathnam's latest romantic flick drives. They learn the real meaning of

Vedaanta Seniorz Today Vol.1 Issue 4 May 2015 22 www.vedaanta.com Special Feature Money Guest Column Well-being Cinema Indulge

On a rainy day Ganga takes a lift in a car their life which leads to the complicated confidence she removes her Mangalsutra and has sexual encounter with the Prabhu climax. and declares that she is a new pure who drives the car. Even after 3 decades I woman. could recollect the rain, car, the Forced by situations Vasanthi gets encounter and shocking nadhaswarm & married unwillingly to Dr.Suresh and Till date Bhagirathi played by Lakshmi dhavil in the bgm. Generally its a music Madhavan leaves Vasanthi. When she is considered as a bold stright forward played during muhurtham time of a tries to end her life the kind hearted out of box character created by marriage. The mellisai mannar MSV doctor asks her to wait for 7 days and R.C.Sakthi. She is unlike Andha Ezhu placed it on a forced sexual encounter, promises to find Madhavan(her lover) Natkal's Vasanthi and approached the which literally shocked me and the entire and unite them again. Bhagyaraj issue vertically in a different style and audience. brilliantly used flash back technique thought. Not even a single character is mixed with suspense and comedy. created in the lines of Sirai's Bhagirathi. After being thrown out of the house by That's why she is very very special to me. her family she meets Prabhu again Bhagyaraj used the Thali(Mangalsutra) accidently. This leads to a lovely healthy sentiment strongly supported by sharp, So what's my personal opinion on this? intelectual friendship. Both debate clever dialogues and lovely That's a big debate in me. Sometimes I accept their mistakes and temptations of performances by Bhagyaraj (Madhavan) express like indepth Palakad Madhavan, that rainy car incident. They almost enter and Ambika (Vasanthi). Till now screen next time I talk like casual Alaipayuthey into a living together relationship but due writers are little allergic and afraid to Madhavan. If we zoom closer both to social pressures they leave each other handle Mangalsutra issue. Bhagyaraj Madhavans are same, they have their and the film ends here. touched it discussed it but finally went cultural roots firm and afraid of moving Through Ganga and Prabhu SNSM back to the orthodox cultural roots as away from it. OK Kanmani's Aadi, Me spoke about sexuality issues, discussed Mani did in OKK. The movie ends with virginity and slammed the orthodox popular line “my lover can become your attitude of the society. This is a very very wife but your wife can never become my bold movie when we compare to OKK. lover. That is our culture”. SNSM never moved out of the main But do you remember Bhagirathi of R.C. issues and created debate without fear. Sakthi's Sirai. Sirai was a one page short Kudos to the lead pairs Lakshmi, story by Anuradha Ramanan published Srikanth and brilliant adaptation by in Anandha Vikatan. Sakthi very neatly Bhimsingh of the novel by Jayakanthan. produced a 2 hr movie out of it with a When we talk about characters nobody revolutionary climax. Bhagirathi is a typical house wife of seventies can skip Palakat Madhavan and Vasanthi and many of you are next versions of encounters rape by a local badman. of Andha Ezhu Natkal by K.Bhagyaraj. Palakad Madhavans, actually we are all Instead of supporting her or opposing the AEN is a masterpiece by K.Bhagyaraj, same. But Ganga of Sila Nerangalil Sila rowdy her husband cowardly runs away which stamped him as no.1 screen play Manidhargal and Bhagirathi of Sirai are from her. Out of frustration and self writer of India. different. They are very rare in reel and r e a l l i f e . T h e s e Poor Palakkad Madhavan is an characters are very very innoscent, honest musician aspiring to special to me, just become music director. Vasanthi a pretty because of their fearless naughty teen age girl is grand daughter of rare quality. the house owner, where Madhavan lives. R Selvakumar When they fall in love Dr. Suresh enters Executive Producer

Vedaanta Seniorz Today Vol.1 Issue 4 May 2015 23 www.vedaanta.com Retire on the banks of Kaveri in your 26.5* éâÄDx>_ own Dream Retirement Resort at Kumbakonam 1 & 2 BHK Handing Over Sept For a Blissful Retirement JÝ>z½\ÂïÓÂïVï ¸«Ý]¼Bï\Vï

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Ntjhe;jhNtjhe;jh Vedaanta Senior Living Door#11, Kanakasri Nagar, Cathedral Road, Chennai - 600 086. Ph : +91 44 4910 4040 Mob : +91 76677 44012 rP dp a u; yp tp q; Special Feature Money Guest Column Well-being Cinema Indulge Quinoa Kheer (Thinaipayasam)

Quinoa is naturally gluten-free and contains iron, B- increases basic metabolic rate, making it a diabetic-friendly vitamins, magnesium, phosphorus, potassium, calcium and food. vitamin E. It is rich in protein and comprises of almost allthe essential amino acids. It is rich in antioxidants and fiber and Here is a delicious dessert recipe using quinoa. It can be made low in calories and hence helps in weight loss. It has very as a diabetic friendly dessert by substituting sugar with low glycemic index and increases basic metabolic rate, stevia/brown sugar. making it a diabetic-friendly food. Ingredients · ½ cup quinoa · 1 cup water · 1 teaspoon ghee or butter · 4 dried dates, pits removed and chopped · 4 teaspoons golden raisins · 1 teaspoon pistachios, unshelled and chopped · 1 teaspoon slivered almonds · ¼ teaspoon ground cardamom seeds · 3 cups skimmed milk · a pinch of saffron · 3 tablespoons sugar (add more sugar if you prefer it sweeter)

Instructions 1. Rinse the quinoa thoroughly under running cold water 3. Add the cooked quinoa to the nut and fruit mixture in the pot. until the water turns clear. Bring the quinoa and water to a Fold in the milk, saffron, and sugar. Bring the entire contents of boil on a medium flame, cook until the seeds become the pot to a boil on a medium flame, then reduce to a simmer translucent. Drain and discard the liquid from the cooked and cook till the liquid volume reduces by one-third. Stir quinoa and keep aside. frequently to make sure the milk does not burn.

2. In a thick-bottomed pot, melt the ghee or butter on a 4. Cool the kheer to room temperature. Then refrigerate for at medium high flame. Add the dates, raisins, pistachios, least 2 hours. Serve chilled and garnish with the extra almonds, and cardamom to the melted ghee and sauté them pistachios. for a minute. Make in a Jiffy: Tender Coconut Smoothie

Ingredients:

Milk -250 ml Tender Coconut - 1 Sugar - 2 Tbsp

Method :

Grind all the above ingredients to a fine smoothie & serve chilled garnished with chopped coconut white

- Mythili Balakrishnan

Vedaanta Seniorz Today Vol.1 Issue 4 May 2015 25 www.vedaanta.com Money Guest Column Well-being Cinema Indulge Tarot

May 2015 is a month of good for most of the sun signs. The month of beer prospects in career, family and finance will pave way to beer days and life. Beer health will be the order of the month. Look May ahead for a fabulous summer vacaon with your family.

Aries: Taurus: Gemini: Mar 21- Apr 20 Apr 21- May 20 May 21- Jun 20 May 2015 predicts that you Your emotions and family Taurean, May 2015 is the will be confident to achieve issues will dominate your time for you to decide what your goals, irrespective of finance and career this May. you want, and achieve the other people's views. There E n h a n c e y o u r m e n t a l same with your hard work. will be major changes in your strength. People in the field Maintain a balance between career and constructive of academics will see a major personal ambitions and efforts will be appreciated. change in their status. emotional issues. There will Though financial prospects Finances will be excellent be a fabulous growth in your are a bit dicey, the overall this month for you. Your career. This month shows financial situation is health will be good during the v e r y g o o d fi n a n c i a l encouraging. You might be month, only take enough rest prospects for Taureans. more inclined towards to avoid fatigue. Harmony will prevail in the family. religion and psychological development.

Vedaanta Seniorz Today Vol.1 Issue 4 May 2015 26 www.vedaanta.com Cancer: Leo : Virgo : Jun 21- Jul 22 Jul 23- Aug 22 Aug 23- Sept 22

May 2015 is going to be a Be flexible to the situation in Your main focus will be your month of success for you, be it hand. You will see dramatic career and profession this in your professional or changes in your family and May. Your career will make personal life. Harmony will domestic affairs. Your good progress in your career. remain in your family. professional life will take Recognition and rewards will Professionals in the field of shape and you will be able to come your way by the end of j o u r n a l i s a m a n d fare well. Avoid speculative this month. This is also a communication will excel. Job investments and invest in month for you to fall into love. changes are likely this month. projects involving creativity You will need to take care of More efforts have to be put in for better future. Your health stressful situations in the this month to earn money if will improve from the second family and in your profession. you are in business. Your Meditating everyday will help overall health will be good. you relax your mind.

Libra: Scorpio: Sagiarius: Sept 23- Oct 22 Oct 23- Nov 22 Nov 23- Dec 21 This month calls for you to Horoscope for May 2015 Your horoscope for May 2015 c o n c e n t r a t e o n y o u r predicts that family and suggests that you should professional and career. You emotional feelings along with focus on family duties this will find your family extend a career will have equal month. Exercise better social great support to you this importance. There will be and communication skills. month. There will be major long-standing changes in Career issues will become changes in your career this your career and job. clearer this month. Your month, probably better job, Promotions, organizational financials will take a better better places. You will be in a changes, profitable business position this month. There will powerful financial situation ventures and new jobs are be tremors in your love and this May. Your health will be predicted. Work towards family life. Take up only excellent this month, but try a c h i e v i n g a b a l a n c e essential jobs and relax as much as possible. Control to better your emotional between your personal and Capricorn: Aquarius: Pisces: Dec 22- Jan 19 Jan 20-Feb 19 Feb 20-Mar 20 May 2015 will be a month for You should be flexible and Your determination and aggression will help you to enjoying the fruits of success compromise with others to accomplish your targets. If the in your life. Concentrate more accomplish your objectives. situation is against you, change Focus your attention on family on your family and children. the situation. It will be your way and psychological issues. This This is a time for being flexible all the way. Emotional stability and adapting yourself to the is a month for Aquarians to and family affairs will be in the world around you. You will pursue their hobbies which centre stage for the Pisceans in have a busy schedule at the they have forgotten. There will May 2015. Career issues are work place. Your monetary be major changes in your work not important right now. Peace situation will be excellent this front. You need to put it more in the family is necessary for month. Romance will be in the efforts to generate income. success in your work at a later air this month. Holidaying with This month will see many date. There is no point in family will enhance your peace opportunities to get together putting unnecessary pressure to move forward in your career.

Vedaanta Seniorz Today Vol.1 Issue 4 May 2015 27 www.vedaanta.com Vedaanta Seniorz Today Vol.1 Issue 4 May 2015 www.vedaanta.com No matter how old you both get, never stop holding hands, never stop dancing, and never stop saying, “I Love You”

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