Saturday, November 5, 2016

Bach Flower Remedies-Session by Deepa

Deepa Vijay shared her knowledge of Bach Flower remedies with us to help us handle our emotional issues with ease.


Bach Flower Remedies

Background
•       Flower Remedies - discovered by  Dr  Edward Bach.
•       37 flower remedies have the dew collected from the surface of wild flowers and water collected from springs near the same flowers.
•       Each flower is directed at a particular characteristic or emotional state, and the dew collected from it imbibes that nature.
•       BFR not only work for humans, they are very effective when used with plants and animals too.

How do they work?
•      Bach Flower Remedies (BFR) act at an emotional level by raising our vibrations and opening up channels for receiving the spiritual self.
•      In the state of being closer to our Spiritual self we find peace and are relieved of suffering.
•      BFR flood our nature with the particular virtue we need and wash out from us the fault that is causing the harm.
•      BFR works not by attacking the disease but by flooding our body with the beautiful vibrations of our Higher Nature.
•      BFR works like peeling of an onion. One emotion after the other gets healed.
•      BFR heals the internal emotion along with the external disease.

General Info
•      Available in tincture form and pills form in any homeo shop.
•      No danger of overdosing or side effects.
•      No diet or other restrictions.
•      No contra indications.
•      Just dissolve the pills in drinking water.
•      BFR do not have any expiry date.
•      BFR do not react with any other system of medicine you are currently taking.

Dosage and Repetition
•      In acute diseases, one single dose (2-3 pills) gives results in minutes if not seconds
•      If there is relief but not complete, repeat several times
•      If there is no relief in the first dose, the selection is wrong
•      In chronic diseases 1-3 doses per day
•      With every change in the picture, add a new remedy as required
•      In acute diseases, one single dose (2-3 pills) gives results in minutes if not seconds
•      If there is relief but not complete, repeat several times
•      If there is no relief in the first dose, the selection is wrong
•      In chronic diseases 1-3 doses per day
•      With every change in the picture, add a new remedy as required
BFR
•      These 37 remedies span the whole arena of the mental and emotional suffering experienced by man.
•      BFR were divided by Edward Bach into 7 groups which represent 7 major areas of Consciousness where mental and emotional imbalances occur.

7 Groups of Remedies
  1.  Fear
  2. Anger, Rage, Resentment.
  3.  Worry, Guilt
  4. Indecision, Uncertainty
  5. Sadness, Depression.
  6. Opinionated.
  7.  Desire for approval


o   Fear
Unspecified Fear -Aspen
•      I have vague irrational fears
•      I am terrified of the dark
•      I wake up suddenly in the night frightened by nightmares
•      Sometimes in the morning I am struck with fear that something bad will happen
Specific fear-Mimulus
•      Afraid of injections
•      Fear of disease
•      Fear of flying
•      Fear of exams
•      Nervous breakdown
•      Fear of heights
•      Fear of public speaking


o   Anger, Rage, Resentment
Misplaced anger/ outbursts of anger/ fear of losing control over oneself-Cherry Plum
•      Anger is so uncontrollable that I tend to beat
•      Suddenly lose my temper and scream at my husband or whoever is in front of me
•      If this goes on, I will go mad and commit suicide
•      Unbearable itching/ pain
•      Addictions/ cravings

•      Uncontrolled cough, Violent/ Dominating- Vine
•      Expect to be obeyed without question
•      Impose will on others and lose temper when contradicted
Rage/ Hatred/ Jealousy/ Distrust-Holly
•      Want to punish him for hurting me
•      Suspect him for ulterior motive
•      Sibling rivalry

Temper tantrums/ Attention seeking/ Possessive/ Emotional blackmailing/ Make others feel guilty- Chicory
•      Fear of losing persons to someone
•      Demanding/manipulating
•      Possessive of friends – wanting to be the centre of attention

o   Worry, Guilt
•      Hides grief from others/ internally tormented-Agrimony
•      Drinking for overcoming grief
•      Desire to wander
•      Don’t want to burden anyone with worries so does not reveal his problems. 
•      Constant Worry/ Unwanted Persistent thoughts-White Chestnut
•      Talking with self
•      Clinically alright but symptoms of disease exist

o   Indecision, Uncertainty
       Inability to make up mind between two things-Scleranthus
•      Not able to prioritise my work
•      Always late
•      Procrastination
•      Extreme mood swings
•      Delayed memory
•      “Once more” – checking and rechecking locks etc

      Sudden uncertainty/Suddenly doubtful about carrying out the day’s work--Hornbeam
•      Just the thought of going to office makes me tired
•      I feel mentally exhausted at the thought of all the work I have
•      I get tired very easily
•      Work is not exciting

Sudden mental block- Elm
•      Midlife crisis – feeling of how long can you go on
•      Sudden mental block in the middle of a presentation

        Has too many ideas but cannot find the right one/ Lack of direction-Wild oat
•      I have tried diff things but nothing gives me satisfaction
•      Employed in many jobs
•      “What is my aim”, disillusioned, at crossroads
•      Feeling that life is just passing by
“I cant”/ ”I Wont”-Larch
•      Lacking self confidence
•      To use inner potential to the max
•      “I want to become like someone”
Indecision- Cerato
•      Always asking opinion from others
•      Always searching for solutions and not finding answers
•      Cerato is the inner Guru.

o   Sadness, Depression
Unknown/ Deep Depression- Mustard
•      There is only darkness in my life
•      Bipolar personalities alternating sadness and happiness
•      To understand any subject

Total hopelessness in every walk of life-Gorse
•      Feel sad all the time
•      A lot of failures depress me
•      I can never get over this loss
•      Incurable disease and you are left with no hope
•      To make possible whatever is not possible

Depression turning to bitterness/ resentment –Willow
•      Why am I handpicked by God to suffer?
•      My parents ruined my life.
•      People really don’t like me.

Apathy but no complaints-Wild Rose
•      Become listless/ lifeless.
•      I have become indifferent to what is happening.
•      Lack of enthusiasm.

Shock –Mental/ Physical-Star of Bethlehem
•      The death of a near one devastated me. Am yet to get over the shock.
•      Useful while imparting shocking news.

Great anguish/ Despair-Sweet Chestnut
•      Severe mental anguish “Even my enemy should not have this”
•      “Everyone has deserted me.

o   Opinionated
Persistence in attempts-Oak
•      Trying to repair something while knowing nothing about it.
•      Will help to work smartly

Superiority Complex-Water Violet
•      Cannot be receivers
•      Desire loneliness
•      Do not like others to interfere in their work


Inflexible-Rock Water
•      Highly self disciplined, hard on himself.
•      Arrogance/ego/ pride because of his principles.
Too much gyming/ yoga.

Temperamental/ Irritable/ Always in a hurry-Impatiens
•      Quick to temper
•      Sensitive to sound.
•      Ear problems

Over enthusiasm keeping mind occupied-Vervain
•      Trying to change other people through advice.
         Over enthusiasm keeps you sleepless.
     Mind is always preoccupied with schemes finished and unfinished.

o   Desire for approval
-   Pleasing others always-Centaury   Cannot say “no” to anybody.
•      Does work for others with anger/ resentment.
•      One who has low self esteem.
•      Has a docile/ submissive nature.
•      Person is easily led/ deceived by flattery.

Self obsessed/ Poor listener-Heather
•      Always talking about oneself.
•      One who is lonely because others avoid him.
•      Exaggerates his troubles.

Mental and Physical Exhaustion
Total exhaustion leading to disinterest-Olive
•      When I get up in the morning I am mentally very tired
•      He needs to be pushed to start his work
•      He has eye strain watching TV/ computer

All time remedies
Walnut
•      Adjust to situations
•      While moving to a new place
•      While changing jobs
•      To become a truly spiritual person
•      Though strong willed finds himself in forced circumstances
•      Transition to next level – developmental milestones/ school/ college/ jobs
•      Crab Apple
•      Important for de-addiction
•      For Self dislike
•      For someone who always thinks about cleanliness
•      Frequent washing of hands

Rescue Remedy
Remedy for all emergencies - Bach also discovered a unique combination of 5 remedies which aim at restoring calm to a person in an acute emergency situation.
•      Rescue Remedy is a combination of the following flower remedies:
–     Rock Rose (to counter act terror and panic)
–     Cherry Plum (to balance intense tension and fear)
–     Clematis (to overcome faintness)
–     Impatiens (to counter act inner turmoil)
–     Star of Bethlehem(To reduce shock, trauma and sadness)

Tips
•      Aspen- Afraid of darkness – spray aspen in the room
•      Mimulus – Used for luck, Fear of exams.
•      Fear of exams when extreme – Mimulus + Rescue Remedy
•      Take 2 pills of Mimulus while getting into an auto. He will only charge by the meter.
•                               Crab Apple- To remove side effects of allopathic drugs take Beech +Crab apple.
•      Reduces heaviness after a meal.
•      Good for skin problems.
  Ear problems- Remedy for ringing sound in the ears/ loss in hearing/ Ear problems – Heather+            Impatiens+ Hornbeam+ White Chestnut.
•      Cherry Plum- Good for singers to maintain their voice / hit a higher pitch.
Useful before delivery of the baby.
•      Vine- While giving advice to someone take Vine, advice will be readily accepted  ;)
•      Holly - Sibling  rivalry – Holly +Chicory.
•       Chicory- Chicory plant roots are 60 foot deep. Chicory tendencies are as deep as the root of its plant.
Chicory also called the “mother in law remedy”. Has to be continued for at least 6 months.
•       Harmony Remedy - Beech + Willow+ Chicory + Walnut+ Agrimony (5 pills each) – to be taken once a week.
•      Facial glow- 5 pills Agrimony + 5 pills Crab apple – Wash your face with the water or wet a tissue with this water and keep on your face for some time.

•      White Chestnut- For persistent cough. Good tranquilizer.

•      Scleranthus - For constipation.
For delayed labour or breech baby.

•      Hornbeam- For unsolvable problems take Hornbeam + Oak +Walnut
If the car has a starting problem, chant Hornbeam.

•      Vervain - Time management – Vervain + Scleranthus.

•      Seizure- White chestnut+ Mimulus everyday to prevent seizures
During a seizure – Rescue remedy.

Diabetes/ Hypertension - Wild Rose.

Friday, November 4, 2016

Session by Financial Planner Mohsin Bijepuri

Mr Mohsin Bijepuri gave us the basics of the economics behind making a sound plan for future financial security of us and our children. The session was arranged by Deepa, as Mohsin is her entire family's advisor and she felt he would help us understand financial matters better.


Mr Mohsin covered various aspects and explained in detail how the rate of interest of our assets should be more than the inflation rates, the difference between bonds and mutual funds, what is Demat, brokerage, terms like asset allocation, Marriage Women Property Act and how all policies or funds should be assigned to MWPA, what is a nominee etc. 

Following is a detailed report made by Roopa.

Financial Planning by Mohsin Bijepuri   

We had a very informative talk on financial Planning by Mohsin Bijepuri covering the basic aspects of finance like interest rates, types of investments, Mutual funds, Asset allocation etc. 
I have made an effort to summarize his talk in my own way,Hope all of you find this useful.

Basics of Financial Planning 
There are two types of income called active and passive income. Active income- is the income earned by an individual throughout his life. Passive income-is the return we earn on our investments. Its basically making our money work for us. 

Savings=Income - Expenses, so the money that remains after our expenses normally goes into savings but we must change the equation to Income- Savings = Expenses, ​to have a sound financial health. 

Types of financial instruments-​Debt (eg Fixed deposits), Equity, Mutual funds, Insurance,  are some of the financial instruments available for investment. 

Debt​-Investing in debt and bank fixed deposits always give a fixed rate of return and there’s no risk attached to it as the return is guaranteed.  
Equity ​-investing in the shares of Companies listed in the Bombay stock exchange and NSE(National stock exchange).Equities carry the highest risk but also is the only asset class that gives the highest return in the long run.It is generally recommended for people with high risk taking ability. 
Mutual funds-​is a professionally managed investment fund that pools money from investors to buy securities.They give a higher return than debt and Fixed deposit when held for a reasonable time frame.But equity based mutual funds are subject to market risks.

 Types of mutual funds-​There are different types of mutual funds namely Equity funds, Debt funds, Balanced funds, tax savings schemes, sector based funds etc.Investing in SIP 
(Systematic Investment Plan) is highly recommended as it gives good rate of return when held for the medium and long term. 

Systematic Investment Plan-​is the systematic investment of small sums made in investment plans every month regularly.They help in averaging out the market swings and earn a higher return. 

Insurance-​is a means of protecting financial loss due to unforeseen circumstances.Investment in Term Insurance and health Insurance is mandatory for any individual. 

Term insurance-​is a plan that provides for a cover for life for a particular period, If the insured expires during the term, the amount insured would be given to the nominee . Health Insurance-​It is very important to have adequate health cover as average health expenses are said to be in the range of 20-23%. While taking health insurance, one has to reveal the complete history of health details to the insurance company in order to avoid declination at the time of claim. 

Inflation-​This is the most important factor to be considered as it erodes wealth to a large extent in the long run.The CPI(Consumer Price Index) hovers around 6% in India, Our investments should definitely give us a return much higher than this to beat inflation.That makes it necessary for us to look for instruments with higher returns. Non-Financial Instruments-​Real-Estate,Gold, silver and other commodities come under this. Real-Estate- ​is known to give an average return of 12% in our country, but the holding period is very long, Initial investment is high and cannot be liquidated easily. Gold ​also gives a decent return and acts as a hedge against inflation but it is not advisable to hold in the form of jewelry as resale involves wastage and other expenses. 

Tenure- ​is the holding period of investment. They are classified into Short, Medium and long term. Short term-1-3 yrs horizon  Medium term-3-5 yrs  Long term-> 5 years.  Contingency fund-​is a fund created to meet emergencies in life.A certain percentage of savings has to be maintained as contingent fund to meet sudden situations like loss of job, natural disasters, terminal illness, death etc, Since we live in uncertain times it becomes very important to have a reserve of funds to tide over difficult situations. 

Creating a Corpus-​It is very important to create a Corpus to meet the future financial goals like Higher education,marriage,health care,retirement  of any family . Future goals have to be grouped into short term, medium term and long term and the modes of investment be selected accordingly. 

Asset allocation-​ Corpus must be created keeping the above mentioned factors in mind and asset allocation.The allocation of funds would depend on the Availability of funds,Risk taking ability and the financial goals of the person. A good corpus must contain the right mix of instruments and the tenure matched to meet our future financial goals.  

Mutual funds can be invested in the name of a child. The child has to be the beneficiary while investing in Insurance. A trustee can be appointed to manage the corpus after the demise of the parent,Trustee can act only as a custodian and cannot use the funds for himself unless specified.  

Start saving early Create a corpus for our kids Saving for our future help us maintain the same standard of living and meet all our financial goals comfortably, are the takeaways of the session with Mohsin.  

Matters pertaining to Trustee,Nominee,Legalities of the same will be discussed in a workshop which is likely to be held in January 2017.  


Some Feedback from the session-
Anusha-The explanations were simple,to the point.He didn't assume us to know the basics.he started from the scratch.

Kavitha- For the first time I understood basic financial concepts which many people over the years have tried to explain to me  but which  were always beyond me.

Gopi-  It was quite informative on the different rates of return for the different investment types, as well as the nominee vs beneficiary aspect.

Deepa-...change the equation from Investment- expense= savings to Investment-saving = expense. Saving for your retirement is just as important as creating a corpus for our children.

Vimal-Thank you Deepa- was an informative and thought provoking session, specially the bit about difference in interest rates and inflation and the fact that equity should be a long term investment.

Zainambu-Thanks a lot Dear Deepa,for d Vital Session! Informative!

Anupama-Thanks Deepa  for a very informative session.

Margaret-Thanks Deepa for this informative session.

Subhashini-Thanks Deepa,today's session is really an eye-opener for me.


Mitr Anniversary Celebrations

Mitr began exactly a year ago and on October 16th, 2016, we celebrated this with a superb dance by Meera Krishnamurti. Accompanied on the vocal by Ananya and on violin by Anirudh, it was a cool breezy, enthralling evening by the coast.





We also had some fun activities. One was a 'Funky Foto Studio' were families wore funny accessories and had a ball!







There was a wishing tree and Moms tied their wishes around it.

We had a gratitude wall, to express our thoughts for Mitr...

In all it was a Blissful evening!














Monday, July 4, 2016

Mitr Cafe on Sunday Evenings

Our Sunday cafe has caught on wonderfully- some vignettes...

Chole Bhature and Paniharam Sunday

On 24th july, 2016, north and south India presented a food festival of yummy Chole Bhatures and delicious Paniharam at Mitr Cafe.



The bhatures were made piping hot and flew off the counter in seconds.

We had the kids working with siblings also shouldering responsibilities.


Mitr Haat- the handicrafts shop by young adults also opened it doors to the curious guests.


Food, chit-chat, jokes, kids having fun, working a little as they make new friends, that is Mitr Cafe.






We invite special families to our first sunday evening cafe, with three moms who do the catering, while children pitch in cooking, serving, billing and even singing!



Lucknavi aloo tikki...

This was followed by so many Sundays and so much fun...
 
 
 



Aryan's yummy bhelpuri.


Vada Pav by Charvi.


Lemon juice by Visva


Pani puri by Sanjay and Navneeta

Come join us at Mitr Cafe for a evening of fun and friendship!






Friday, July 1, 2016

Gyaan Budhwaar- Girija Aunty's talk


We had Girija Aunty, mom to 34 year old Aishwarya, give us a talk on her learnings, her inspirations and the achievements of Aishwarya.

The talk was had many keys to the puzzle of Autism and here are some of them-
  • Do not seek 'independence' in your child, but 'less dependence'. Lets be realistic with our expectations.
  • Our children might seem aloof but actually love the company of others.
  • They appear indifferent but are really very sensitive souls.
  • They seek love, thats all.
  • They are observant, perceptive and intuitive than us.
  • Parents must shift their attitude from seeing this as a burden to one of enjoyment.' Sumai illa idhu, sugam yennakku'.
  • Encourage what the child enjoys to do and does well. In Aishwarya's case, it was puzzle making, which her parents bought umpteen numbers of, framed after she finished them and sold them too! 


  • The above image is of the extremely difficult 'Krypt' puzzle where 654 pieces, each one unique, without an image, monochrome, has to assembled.
There were many such snippets of wisdom told with anecdotes and jokes. Girija Aunty and Shriram Uncle have published Aishwarya's diary-a compilation of her notes and drawings. The talk explained some stories behind the content of this book.



The patience, love, acceptance and hard work of this couple all exemplify the Serenity prayer by Reinhold Neibuhr-

'God give me the serenity to accept the things I cannot change,
Courage to change the things I can,
And wisdom to know the difference.'

We deeply thank this inspiring couple for this entertaining and soul- nourishing treat.