Sashin Shah,

President

(JAY-HO)

Sashin Deepak Shah from is a native of Kutch, Gujarat

currently residing at Matunga, Mumbai. Sashin is a post graduate in Event Management and is an Event Management professional since 2004. Married to Prerana Shah also a native of Kutch, Gujarat, and has a 4 years old daughter. Currently Sashin owns a wedding Planning Company called Vivaah Planners and an Event Management Company named The E-Factory.

The idea behind JAY-HO is to unite Jain Youth and create a platform for their talents and present to it to the world.

UTH-N-YNG was generated as an idea for all the Jain Youth to be aware about not only about Jainism & Jain Current Happenings but also to get an overview of what is happening around the world. With sections like Technology, Food & Lifestyle, Travel, Finance & Tutorials UTH-N-YNG will be a one-stop-shop for all the info required for the youth.

A.T.M (Artistic Talent Management) was specially designed by Sashin as he is from the field of Event Management and gets many chances to present new talent to the world may it be for Singing, Dancing, Acting, Art & Crafts or Speech. “My idea is to get the Jain community to such a level where every ones knows a Shah, Gala, Mehta or Jain as much as they know any Kapoor, Khan, Chopra or Kumar” says Sashin Shah. “Hope we are able to fulfill our dreams for a better future”

JAY-HO!

Bhavik Veera,

President

(JAY-HO) Bhavik Vinod Veera, a choreographer by passion has done MBA in Marketing and owns a dance company named

Spunk Dance Company. Bhavik is a native of Kutch, Gujarat and is currently residing in Panvel, Navi Mumbai. Being passionate about dance, Bhavik likes to bring creativity and emotions through his dances. His idea behind JAY-HO is to unite Jain Youth and give platform to the hidden talents of Jain Youth and take them to the higher level. As he always says, “STAY TUNED.STAY UNITED” UTH-N-YNG magazine is created especially for all Jain Youth not only giving information of what’s happening around but also giving them opportunity to express their views and ideas and helping them to create better future. A.T.M – Bhavik says, it is an initiative taken by his friend and colleague Sashin Shah and he liked the idea behind it. As a choreographer, he too likes to present new talent from dance field. He says, “Anyone can become Michael Jackson or Shah Rukh Khan or Ranbir Kapoor or Katrina Kaif, but end of the day it’s only you who carries your own personality”. JAY-HO!

24TH

TIRTHANKAR BHAGWAN

SHREE MAHAVIR SWAMI

PART 1 Past-Incarnation - Bhagavan Mahavir was the

last and the twenty fourth Tirthankar of this era in the Jain tradition. He had a highly developed multifaceted personality. He scintillated with the infinitely intense glow of the pure soul. All the virtues and powers of his soul were completely awakened and active. He

had infinite power but, at the same he also had infinite compassion. Possessing ultimate powers of the soul, he was unconquerable, fully developed and absolutely composite human being. But the seeds of this grandeur and greatness of Bhagavan Mahavir were sown in the remote past. He had been doing vigorous penance, indulging in altruism and practicing deep meditation in many of his past incarnations. From this angle the incidents from earlier incarnations of this supreme soul are very important and inspiring. The first incident in this sequence is known as "the first touch of righteousness". It is from the 27th birth before the final birth of the soul of Bhagavan Mahavir. The story of this birth as the village elder Nayasar, goes like this- First Glimpse of Right Knowledge: Nayasar In the twenty seventh birth before being born as Bhagavan Mahavir, this soul was a village elder and forester working for king Shatrumardhan for Pratisthan city in the west Mahavideh area. He used to bring all the wood required for construction purposes from the forest. One day at noon time all the workers were taking rest after their lunch. Nayasar also sat under a tree in order to take the food he had brought along. Before starting to eat he saw some ascetics wandering at the foot of nearby hills. Nayasar thought that these ascetics are wandering without food or water in this scorching sun. If they happen to come this side, I will offer a part of my food to them. I will be benefited by this simple act of serving guests and my day will become purposeful. Innocent Nayasar waited looking at the approaching ascetics. With deep devotion he offered them this pure food. When they proceeded towards the town, Nayasar accompanied them for

some distance to show the way. When Nayasar bowed before the ascetics before taking their leave, they gave him sermons of the true path, the simple code of compassion, pity, simplicity, humility and equanimity. Devoted and respectful, Nayasar got enlightened and the seed of righteousness (Samyaktva) sprouted in his mind. As this is the starting point of the spiritual evolution, the moment when a soul lost in the darkness of illusion got the first glimpse of spiritual light, the counting of the earlier incarnations of the soul that became Bhagavan Mahavir begins here. The Third Birth: Marichi After completing his age (the age of being, according to Jainism, is a fixed period determined by actions in the immediately preceding birth), the soul of Nayasar was reborn as a god in the Saudharm Kalpa. He then took birth as Marichi, the son of Chakravarti (sovereign of six continents) Bharat in the city of Ayodhya. After hearing the first dicourse of Bhagavan Rishabhdev he became a Shraman. But as he could not sustain the rigorous ascetic codes, he abandoned the dress of a Shraman, made desired relaxation’s in the harsh code of Shraman conduct, and became a Tridandi Parivrajak (a class of mendicants). He started keeping an umbrella and a pair of wooden slippers. He also used to take bath and apply fragrant pastes like sandal wood pastes. However, he still believed the path of Rishabhdev to be the best. He would sit just outside the divine pavilion (Samavasaran) of Rishabhdev and when asked about his strange dress, he would innocently accept his weaknesses and preach to the people around, inspiring them to accept the religion of Shramans.

One day Bharat Chakravarti asked Bhagavan Rishabhdev, "Prabho ! Is there any great being (soul) present in this

congregation who will become a Tirthankar like you?" Rishabhdev replied, "Bharat ! Outside this religious congregation sits your son Marichi dressed as a Parivrajak. After penance’s and other practices for many reincarnations, he will become the last Tirthankar of this cycle of time. during his passage from Marichi to Mahavir, he will also be born as Triprishtha Vasudev (the lord of three regions) in one birth and in another reincarnations Priyamitra Chakravarti."

Hearing about the astoundingly bright future of the soul of his Marichi, Emperor Bharat burst with joy. He went to Marichi with the happy news and said, "Marichi ! You are extremely lucky, I greet you as the future Tirthankar." Marichi was overjoyed hearing the prophecy of Bhagavan Rishabhdev. His happiness was boundless. But at the same time, thoughts of the glory of his clan stirred his conceit. Filled with pride for his clan, he uttered, "How great is my clan and what a superior family is that to which I belong! My grandfather is the first Tirthankar, my father is the first Chakravarti, and I will became a Vasudev, a Chakravarti, and finally the last Tirthankar of this cycle of time. How great, indeed!" And thus Marichi almost burst with conceit. Slowly he slid down from the heights of spiritual excellence, and was drawn into the whirlpool of the egoism of racial supremacy. According to the Jain tradition, Marichi was the founder of the Parivrajak school. Marichi used to say that the Shramans were free of the distortions of mind, speech, and body, but the Parivrajaks had these. As such, the Parivrajaks started keeping a trident, there symbol. In his last days he made prince Kapil his disciple. From that point on the derivative Parivrajak school gradually distanced itself from the Shraman school. Vishvabhuti

The soul of Marichi moved from the human dimension to that of gods and back again alternatively for twelve incarnations. When born as human he became Parivrajak many a time and observed numerous austerities. In his sixteenth reincarnation he was born as prince Vishvabhuti the

nephew of king Vishvanandi of Rajgrih. He became an ascetic and did harsh penance before breathing his last. In the seventeenth reincarnation he took birth as a god in the Mahashakra dimension of gods and in eighteenth as Triprishtha Vasudev. Triprishtha Vasudev Queen Mrigavati of king Prajapati of Potanpur gave birth to an extremely powerful son. He was named Triprishtha. Prajapati was an ordinary king of subordinate kingdom of the Prativasudev Ashvagriv. Triprishtha was a very brave and valorous young man. When the fame of his powers and strength

reached Ashvagriv he became apprehensive. He asked his astrologer about how he would meet his end. The astrologer said, "The man who would crush your powerful emissary-Chandamegh and also kill the ferocious lion of Tunga mountain will be the messenger of death for you." One day Ashvagiv sent Chanda to Potanpur. When this emissary misbehaved, Triprishtha threw him out. Then an order was issued to Prajapati, "A ferocious lion has created havoc in the Shali area. Immediately proceed to that area and protect the farmers from the lion. " When Prajapati prepared to go, prince Triprishtha requested, "Father ! When we are available you need not take the trouble to proceed for this insignificant venture. Your sons can easily take care of that petty beast."

Triprishtha and his elder brother Baldev Achal Kumar went to that forest and inquired about the lion from the local populace. As directed , they proceeded toward

the den of the lion. Disturbed by the noise of the village folk, the lion came out of its den and charged towards the princes. Looking at the approaching lion Triprishtha thought, "The creature is alone moving on its feet, why do I need my bodyguards and the chariot? When it dose not carry any weapon, why should I ? I will face it alone and bare handed." Triprishtha got down from the chariot and threw away his weapons. He fought alone and bare handed with the ferocious men-eater. In the end he caught hold of the jaws of the lion and tore it apart. The driver of the chariot of the prince went near the writhing lion, said a few words of sympathy, and covered its wounds with medicinal hers. The dying moments of the beast became peaceful. This act infused a feeling of affection for the driver in the mind of the dying lion. When the driver reincarnated as the chief disciple of Bhagavan Mahavir, Indrabhuti Gautam, this lion was born as a farmer. When the farmer saw Gautam he was infused with a feelings of fear and vengeance surfaced. Bhagavan Mahavir then revealed the cause of these dormant feelings by narrating the story of his earlier life. Prince Triprishtha conquered the evil king, Prativasudev Ashvagriv, and established his own empire over three continents. He became the first Vasudev of this cycle of time. TO BE CONTINUED.....

THE RACE TO BE A

CHARTERED ACCOUNTANT What is Chartered Accountancy? Chartered Accountancy is a term used to mean a profession as well as the course (field of study).

Chartered Accountancy - a Profession Lawyers are engaged in the legal profession, doctors in the medical profession. Similarly chartered accountants are engaged in the chartered accountancy profession. Accounting, Auditing (verification of accounts), Taxation are the core areas dealt with by chartered accountants. They area also capable of expert level services in the areas of General Management, Personnel Management, Financial Management, Operations Management, Human Resources Management.

Chartered Accountancy - a course Law is a course that candidates pursue to become lawyers. Medicine is a course that aspirants to the medical profession pursue. Similarly, prospective chartered accountants pursue the chartered accountancy course. The Chartered Accountancy course is designed and conducted by the body that regulates the profession. The course generally consists of a mix of theoretical study and practical training. Who is a Chartered Accountant? A Chartered Accountant (CA) is a professional accountant by virtue of his/her being a member of the professional body of accountants conducting the chartered accountancy course. Chartered Accountants carry on professional practice as Chartered Accountants either individually or as a firm (in partnership with other chartered accountants). They may also be found working as employees/consultant in organisations. Some carry on professional practice and work as employees/consultants in organisations part time. CA - Designation and Functions performed Designation for these professionals

Functions performed by Chartered

Accountants only The law places certain conditions on the performance of certain functions. Where the law requires that a particular function be performed only by a certain professional, it should be so. Such functions are what we call statutory functions.

1. Under Sec 44 of the Income -Tax law every assessee with a gross receipts of Rs. 10 lakhs in the case of professionals and Rs. 40 Lakhs in the case of business concerns is compulsorily required to maintain accounts and get them audited by a CA.

2. CA's services are employed by the tax department for auditing complicated cases, having large revenue potential.

3. CA's services are employed by the Reserve Bank of India and the Comptroller and auditor general of India for conducting Statutory Audit of Banks every year.

Where the specialised knowledge of the professional would be very much crucial in performing the function, we find that they are performed only by the relevant professionals.

What does Chartered mean?

A written grant from the sovereign power of a country conferring certain rights and privileges on a person. Chartered Licensed, contracted, agreed. A Chartered Accountant therefore should mean an accountant who has been conferred certain rights and privileges by the country. Why does the country have to confer special rights to an accountant? What are the functions that the chartered accountants are supposed to carry on by using these rights? These can be understood by going through the following explanation. Becoming a Chartered Accountant - Chartered Accountancy - Course Structure There is only one entry level for this course. All students, irrespective of their academic qualifications have to start their pursuit of this course, at the CPT level only. A candidate can start pursuing this course immediately after completing his/her 10th standard. However, they can appear at the first level examination only after appearing in the 10 + 2/Senior Secondary/intermediate.

The Following is the course pattern offered by

ICAI (Institute of Chartered

Accountance of India)

CPT/CPE Common Proficiency Test/Examination

[4 subjects arranged into 2 papers of 100 marks each.] ↓

IPCC/IPCE Integrated Professional Competence

Course/Examination [9 subjects arranged into two groups.

4 papers of 100 marks each in Group I and 3 Papers of 100 marks each in Group II]

+

Articleship Practical Training

[Apprenticeship under a practicing chartered accountant for a period of 3 years]

+

ITT 100 Hours of Information Technology Training. To be completed before joining the final course

↓

Final Final Academic Level

[8 subjects arranged into two groups of 4 papers of 100 marks each.] Can appear for the first time

after two and half years of articleship ↓

GMC Course [Compulsory General Management Course

to be completed during or after final] ↓

Associate Membership

↓

Post Qualification Courses [Optional]

Prospects, Special Government Services for

Chartered Accountants

Employment

Chartered Accountants, on account of their having completed the chartered accountancy course are considered to be candidates with knowledge, ability and intelligence. For this reason, they are the preferred lot for a lot of accounting and managerial jobs. Financial Manager, Finance Director, Financial Controller, Chief Accountant, Cost Controller, Marketing Manager, Chief Internal Auditor, Managing Director etc., are some such jobs where people with professional accounting knowledge are sought after. With the growing trend of back office operations, many multi national organisations having their back offices in india employ professional accountants.

Private Practice A qualified professional can set up his/her own private practice as a practicing chartered accountant. Apart from the statutory opportunities that would be available to a chartered accountant, one can play the role of a consultant for any organisation relating to the functions of accounting, taxation, auditing, cost management etc. All companies registered under the companies act have to appoint a practicing chartered accountant as their statutory auditor who would verify their accounts and certify them before being submitted to the registrar.

Statutory Opportunities law places certain conditions on the performance of certain functions. Where the law requires that a particular function be performed only by certain kind of professionals, it should be so. By law, the following functions can only be performed by chartered accountants.

1. Under Sec 44 of the Income -Tax law every assessee with a gross receipts of Rs. 10 lakhs in the case of professionals and Rs. 40 Lakhs in the case of business concerns is compulsorily required to maintain accounts and get them audited by a Chartered Accountant (CA).

2. Chartered Accountant's (CA's) services are employed by the tax department for auditing complicated cases, having large revenue potential.

3. Chartered Accountant's (CA's) services are employed by the Reserve Bank of India and the Comptroller and auditor general of India for conducting Statutory Audit of Banks every year.

Special Government Services Chartered Accountancy is recognized as an equivalent of post graduate qualification in commerce by a number of universities and government bodies. Therefore, Chartered Accountants would be eligible for all the government services where a post graduation qualification in commerce is necessary. FOR MORE INFORMATION CONTACT : The Institute of Chartered Accountants of India, ICAI Bhawan, 'Anveshak' 27. Cuffe Parade, Coloba, P. B. No. 6081, MUMBAI 400 005

WIRC Office :Tel: (EPABX)(022) 39893989 Facsimile : 022-39802953 ; Gram : WIRCAB, MUMBAI

JAR LABELS GATHER YOUR SUPPLIES 1. Image to transfer. Use anything you like. I made up my canister labels in Photoshop. I wanted them to be a bit different and quite typographic so decided to style them based on dictionary definitions (my artwork is attached as a free printable if you would like to use them – see the ‘At a Glance’ section at the end of the post to view and download!). 2. Inkjet printer. 3. Decal paper (blue watermark on back). Decal paper comes in clear or white. I’m using the clear paper because I want a transparent background around my image. 4. Magic paper (attached translucent protective paper). 5. Laminator. Basic laminators can be bought for around $20 from most office supply and department stores. 6. Scissors. 7. Water. 8. Soft cloth. 9. Item to embellish. As already mentioned 10. Microwave, oven or hairdryer. THE PROCESS

1. Print your image onto the glossy side of your decal paper (DO NOT mirror your image) using an inkjet printer. Allow to dry thoroughly. I created my canister labels in Photoshop and have attached them below as a free printable (see the ‘At a Glance’ section at the end of the post to view and download!). 2. Separate the translucent protective paper from the magic paper. Do not throw the translucent paper away. 3. Place the magic paper gloss side up on your table. Lay the decal paper printed side down on top of the magic paper. Place the translucent protective paper gloss side down on top of the decal paper (the translucent paper is designed to act as a protective barrier of sorts between the decal paper and laminator heat).

Note: As my image took up the entire sheet of decal paper I did not need to trim around it first. If you are working with a smaller image you may wish to cut roughly around it with scissors.

4. Laminate your stack of three papers together on low speed and at low temperature. Note: Laminating pouches are not needed. Laminating is performed to fuse the decal paper and magic coating together. Basic laminators can be bought for around $20 from most office supply and department stores. 5. Discard the translucent paper. Your decal paper and magic paper should now be fused together. Trim closely around your image – you can see it quite easily through the paper if you hold it up to the light. Note: By nature, waterslide decals have a very fine, slightly translucent carrier film. On close inspection this will be visible on completed transfers. As my image is text alone with no border I experimented with techniques and found the neatest finish to be a nice even box (trying to mimic the outline of the text just looked messy). If your image has a distinct border then trim approximately 2mm all the way around it (leaving a small buffer ensures you get a good seal).

6. Dampen the back of the decal paper (watermarked side) with a cloth until it becomes translucent. Wait around 15 seconds then gently peel the paper away completely. Important: Ensure you remove the watermarked decal paper only at this stage. 7. Quickly immerse the decal in a shallow dish of water to dampen the other side then position it, image side down, on your item, smoothing it down with your fingers and a slightly damp cloth to remove excess water. 8. Carefully slide off the backing paper and manipulate the decal into its exact position then continue to smooth it until it is water and air bubble free. 9. Finally, set the decal by either: Baking in an electric oven for 8 minutes at 150 degrees celsius. Cooking in a microwave for 5 minutes on low. Blowing with a hairdryer for 5 – 10 minutes.

THE SPOTLESS BEAUTY OF

LEH- LADAKH Embodiment of natural beauty Leh, picturesquel

y nestled by Karakoram

and Himalayan

ranges, is the

headquarters of Leh District in Jammu and Kashmir. Perfectly located on the banks of the renowned Indus River with all its majesty and amazing sceneries, Leh valley attracts tourists from all over the world to its lap all through the year. The major part of the Leh city is covered by ancient Buddhist monuments, Mosques dating back to 16th and 17th centuries and a nine storied palace Sengge Namgyal constructed in Tibetan architectural style. Leh is the land of Lamas, the Buddhist Monks and is mainly populated by Buddhists and Hindus. Leh houses numerous Buddhist monuments, monasteries and study centers, Shanti stupa and Sankar Gompa are some of them. Leh has grown to a best trade centre in Central Asia, with many trading opportunities for the motivated and dedicated young traders and achievers. Shopping is an experience in Leh. One can spot many traders in the city selling out spectacular Tibetan motifs and jewellery, winter woolen clothes and decorated world famous carpets. Visiting Leh-Ladakh with Kids The mesmerizing Leh can be inhospitable for kids and tourists should be wary of all the conditions that they need to take care of before planning a trip with kids. It is advisable for tourists to not take children below the age of 5 years, as they may face acclimatization issues. For tourists, the best route is Manali-Leh as it takes lesser time and allows the tourists to enjoy some of the most mesmerizing sceneries.

Leh & Ladakh – Precautions and Measures • For tourists travelling directly by air to Leh,

acclimatization to the high altitude may take time, around 48 hours, for even adults. To counter, please drink as well as carry plenty of water. It is advisable to carry Diomax and Disprin as a backup.

• Alcohol and tobacco should be completely avoided, as the low level of oxygen makes it very difficult to come out of a hangover and you don’t want to lose the sightseeing time, sitting in a hotel. Alcohol and coffee should also be avoided if you are in Leh on a trekking expedition. Tea, which is available in plenty, can be consumed.

• Breathlessness due to low level of oxygen is common, so one should carry energy bars to keep boosting the system. Power cuts are very frequent in Leh and Ladakh and tourists are advised to good stock of batteries.

• Carry your own water bottles and make sure that you use only double boiled water for drinking. Mineral water too is not sold to avoid the menace of plastic garbage. Many shops are available selling double boiled water and ask the locals for the same. Don’t miss carrying a sanitizer as hygiene can be a concern in Leh and Ladakh.

• Plastic is banned in Leh and Ladakh, so instead use biodegradable bags. Take permissions before taking a photograph of any local.

• During trekking do not litter the area and while touring a national park, make sure that you do not disturb the animals.

Feasting of the eyes is assured in Leh with the imposing pristine beauty of the snow capped Himalayan ranges in the backdrop. Tourists throng to this place during the month of August when the annual tourist festival is conducted. The festival is an eye catching and breathe taking event. The adventurous tourists are invited to take up trekking in the challenging undulated Himalayan terrains. Many tourist attractions are nearby, Jama Masjid – the ancient historical mosque built during the Mughal Dynasty and the summer palace Shey of Ladhakhi kings with a massive Buddha Statue are among them. This is a place not to be missed by any traveling enthusiast.

PLACES TO SEE

General Zorawar’s Fort General Zorawar’s Fort or commonly known as Riasi Fort, is an ancient fort known for preserving the private wealth of the rulers of Dogra in Jammu. This

age old ancient monument, presently in ruins, stands above the Leh Palace and the Namgyal Tsemo Gompa. Hall Of Fame

This glorious museum is located on the Spituk-Kargil road, approximately 4 km from Leh city. It was built in memory of the brave soldiers

who lost their lives in Indo-Pakistan war. Maintained by the Indian Army, the museum showcases seized arms and amenities of Pakistani Army, pictures and biographies of brave soldiers. Leh Palace

Leh Palace, an imposing and captivating marvelous structure, rises from the edge of a hill overlooking the Leh town, the well-

known capital of Ladakh, and stretches out towards the indigo sky. Built in 17th century, this nine-storey monument was a residential place for the King Singge Namgyal. Shanti Stupa

Shanti Stupa, literally means peace (Shanti) pillar (Stupa) established by a ‘Peace Sect’ of Japanese Buddhists, is situated above Changspa

in Leh District of Jammu and Kashmir. It can be easily reachable from Fort road. The stupa was opened in 1985 by Dalai Lama with an intention of Spreading Buddhist ideology and teaching all through the world. Stock Palace

A short distance across the Indus River, near Leh (14 km) stands the Stok Palace, a major tourist attraction in Leh. Built in 1825 AD by King Tsespal

Tondup Namgyal, it is a striking palace where the ancient and modern architectures meet together making the beautiful home. Pangong Lake

Situated at an altitude of about 4,350 m is the famous and endorheic Pangong Lake, in Pangong region near Leh. With an extension 134 km from India to Tibet, the lake is the main

attraction in Pangong region. During winter the lake freezes completely, despite of being saline and one can visit during tourist season from May to September. HOW TO REACH

BY TRAIN Jammu is the nearest railway station, which is about 734 km from Leh. Since Leh does not have railway station train travel is not possible. Tourists will wither have to take a bus or hire a cab both of which will take approximately 2 days to reach Leh. Tourists can also hire a bus from Manali (453 km), however, the Manali - Leh road is open only from the months from mid-June to mid-October, due to weather conditions. BY ROAD

Delhi to Leh 993 km Bangalore to Leh 3236 km Chennai to Leh 3289 km Sonamarg to Leh 290 km Srinagar to Leh 440 km BEST SEASON / BEST TIME TO VISIT LEH Leh is one among the two districts of Ladakh. The weather is extremely cold and harsh during winters, thus causing frost bites. The best time to visit Leh is from June to September. Winter (October to May) are very cold frost bites and snowfall are common occurrence, making it a very inhospitable climate for visiting the place. During this season, the mercury level comes down to very well below 0°C and the whole area is covered with snow. Summer (June to September) is the best time to visit as it is the only season when the passes are open. The temperature is cool and can go up to 33°C. Summers are the ideal time to go to Leh as the skies are clear and offer panoramic views of the mountains. The average day temperature ranges from 20° to 30°C. Monsoon is not confined to any particular season as sporadic rainfall may occur at any time.

VITAMIN D DEFICIENCY

If you shun the sun, suffer from milk allergies, or adhere to a strict vegetarian diet, you may be at risk for vitamin D deficiency. Known as the sunshine vitamin, vitamin D is produced by the body in response to sunlight. It is also occurs naturally in a few foods -- including some fish, fish liver oils, and egg yolks -- and in fortified dairy and grain products. Vitamin D is essential for strong bones because it helps the body use calcium from the diet. Traditionally, vitamin D deficiency has been associated with rickets, a disease in which the bone tissue doesn't properly mineralize, leading to soft bones and skeletal deformities. But increasingly, research is revealing the importance of vitamin D in protecting against a host of health problems.

Symptoms & Health Risks of Vitamin D

Deficiency

Symptoms of bone pain and muscle weakness can mean you have a vitamin D deficiency. However, for many people, the symptoms are subtle. Yet even without symptoms, too little vitamin D can pose health risks. Low blood levels of the vitamin have been associated with the following:

• Increased risk of death from cardiovascular disease

• Cognitive impairment in older adults • Severe asthma in children • Cancer

Research suggests that vitamin D could play a role in the prevention and treatment of a number of different conditions, including type1 and type 2 diabetes,hypertension, glucose intolerance, and multiple sclerosis.

Causes of Vitamin D Deficiency Vitamin D deficiency can occur for a number of reasons: You don't consume the recommended levels of

the vitamin over time. This is likely if you follow a strict vegetarian diet, because most of the natural sources are animal-based, including fish and fish oils, egg yolks, cheese, fortified milk, and beef liver. Your exposure to sunlight is limited. Because the body makes vitamin D when your skin is exposed to sunlight, you may be at risk of deficiency if you are homebound, live in northern latitudes, wear long robes or head coverings for religious reasons, or have an occupation that prevents sun exposure. You have dark skin. The pigment melanin reduces the skin's ability to make vitamin D in response to sunlight exposure. Some studies show that older adults with darker skin are at high risk of vitamin D deficiency.

Your kidneys cannot convert vitamin D to its active form. As people age their kidneys are less able to convert vitamin D to its active form, thus increasing their risk of vitamin D deficiency.

Your digestive tract cannot adequately absorb vitamin D. Certain medical problems, including Crohn's disease, cystic fibrosis, and celiac disease, can affect your intestine's ability to absorb vitamin D from the food you eat. You are obese. Vitamin D is extracted from the blood by fat cells, altering its release into the circulation. People with body mass index of 30 or greater often have low blood levels of vitamin D. The most accurate way to measure how much vitamin D is in your body is the 25-hydroxy vitamin D blood test. A level of 20 nanograms/milliliter to 50 ng/mL is considered adequate for healthy people. A level less than 12 ng/mL indicates vitamin D deficiency.

Treatment for Vitamin D Deficiency Treatment for vitamin D deficiency involves getting more vitamin D -- through diet

and supplements. Although there is no consensus on vitamin D levels required for optimal health -- and it likely differs depending on age and health conditions -- a concentration of less than 20 nanograms per milliliter is generally considered inadequate, requiring treatment. Guidelines from the Institute of Medicine increased the recommended dietary allowance (RDA) of vitamin D to 600 international units (IU) for everyone aged 1-70, and raised it to 800 IU for adults older than 70 to optimize bone health. The safe upper limit was also raised to 4,000 IUs. If you don't spend much time in the sun or always are careful to cover your skin (sunscreen inhibits vitamin D production), you should speak to your doctor about taking a vitamin D supplement, particularly if you have risk factors for vitamin D deficiency. FACTS ABOUT VITAMIN D

Vitamin D is critical for strong bones, from infancy into old age. It helps the body absorb calcium from food. In older adults, a daily dose of "D" and

calcium helps to prevent fractures and brittle bones. Children need "D” to build strong bones and prevent rickets, a cause of bowed legs, knock knees, and weak bones. Adding the vitamin to milk in the 1930s helped to nearly eliminate the disorder.

Some studies have shown a link between a low vitamin D level and type 2 diabetes -- the more common version of this blood sugar disorder. So,

can boosting your vitamin D levels help ward off the disease? There's not enough proof for doctors to recommend taking this supplement to prevent type 2 diabetes. Excess body fat may play a role in diabetes and low levels of vitamin D.

Studies have shown that people who are obese often have low blood levels of vitamin D. Body fat traps vitamin D, making it less

available to the body. It's not clear whether

obesity itself causes a low vitamin D level or if it's the other way around. But one small study of dieters suggests that adding vitamin D to a calorie-restricted diet may help overweight people with low vitamin D levels lose weight more easily.

When the sun shines on bare skin, your body makes its own vitamin D. This is the major source of vitamin D, but it's not enough for many

people. Fair-skinned people might get enough in 5-10 minutes on a sunny day, a few times a week. But cloudy days, the low light of winter, and the use of sun block (important to avoid skin cancer) all interfere. Older people and those with darker skin tones don’t make as much from sun exposure. Experts say it's better to rely on food and supplements. Problems converting vitamin D from food or sunshine can set you up for a deficiency. Factors that increase your risk include:

• Age 50 or older • Dark skin • A northern home • Overweight, obese, gastric bypass surgery • Milk allergy or lactose intolerance • Liver or digestive diseases, such as

Crohn's disease or celiac How Much Vitamin D Do You Need?

The recommended dietary allowance for vitamin D is 600 IU (international units) per day for adults up to age 70. People aged 71 and older should aim for 800 IU from their diet. Some researchers recommend much higher doses of vitamin D, but too much vitamin D can hurt you. Above 4,000 IU per day, the risk for harm rises, according to the Institute of Medicine.

TOP 5 SMARTPHONES

BELOW Rs.20000 With the mid-range frozen, the prices of smartphones continue to slowly decline. Here we present five powerful and affordable Android smartphones. Major Google Android smartphones often get superseded by more powerful high end devices. Several such devices have been announced in the first quarter of this year. The mere anticipation of these new devices causes fluctuations in the prices of existing smartphones. At times, one doesn't need top of the line hardware but a powerful smartphone performing well enough to get through a normal day. Here we present to you a list of five smartphones that can be purchased for under Rs 20,000. Sony Xperia S Sony Xperia S features a 4.3 inch LCD Reality display that supports 1280 x 720 pixel resolution natively. It also runs the Sony Mobile Bravia engine to provide clearer images and better contrast. Sony has packed a dual core 1.5 GHz Qualcomm Snapdragon MSM8260 mobile processor with 1 GB RAM to make the overall experience fluid. This smartphone offers 32 GB on-board storage but there is no memory card slot.

The Xperia S has a 12 megapixel camera that is capable of recording 1080p HD videos at 30 frames per second. It also has a 1.3 megapixel front facing camera that is capable of supporting 720p HD video chats. Wireless connectivity is enabled with 3G networks and WiFi with WiFi Direct support. Sony Mobile has added Stereo FM with RDS and also offers better GPS experience with A-GPS and Glonass support. The Xperia S features an HDMI port but packs a 1750 mAh battery, which might be a bit inadequate. This smartphone is available for about Rs 19,290 from the Tradus website.

Xolo X1000 Lava introduced Xolo X1000 last month in India and touted it as one of the fastest Google Android smartphones. The Xolo X1000 features a 2 GHz Intel CloverTrail+ mobile processor with Hyper Threading technology for fast performance. This processor is paired with a PowerVR SGX 540 graphics chip and 1 GB RAM to make Android 4.0 ICS run smoothly.

The Xolo X1000 will easily let you watch HD videos since it has a 4.7 inch touchscreen with 1280 x 720 pixel native resolution. Imaging enthusiasts can enjoy the zero-lag 8 megapixel camera at the back with single LED flash and the camera can also record full HD videos. For video chat there is a 1.3 megapixel camera in the front. The downside is that the phone comes with only 8 GB on-board storage but the memory card slot capable of holding a 32 GB micro SD card saves the day. Xolo X1000 offers 1900 mAh battery and promises about 9.5 hours of talk time. It is priced at about Rs 18,999 for Indian markets.

Samsung Galaxy Grand Duos Samsung Galaxy Grand is the mid level phablet for Samsung and comes with software that is similar to the famed Galaxy SIII. This dual SIM handset is powered by Android 4.1.2 Jelly Bean operating system and runs on a 1.2 GHz dual core processor. It has a healthy 1 GB RAM as well, and a 5.0 inch TFT screen with WVGA resolution. Besides, the phone has an 8 megapixel rear camera with flash and a 2 megapixel front camera that supports zero shutter-lag and ultra-quick camera start-up. It includes a backside illumination sensor to ensure clear shots even in the dark, as well as full HD video recording. Apart from that the Galaxy Grand has GPS and Glonass for navigation, 3G, DLNA, WiFi and Bluetooth 4.0. It comes with a powerful 2,100 mAh battery and internal memory of 8 GB, of which 4 GB is available to the user.

One can also use a micro SD card to expand memory to 64 GB. The device is available in Elegant White and Metallic Blue colors. We reviewed the Galaxy Grand and were really impressed with its performance and features. The Galaxy Grand Duos can be purchased for about Rs 19,855 from Snapdeal. Spice Stellar Pinnacle Mi-530

Spice Stellar Pinnacle Mi-530 attracts folks who prefer really big displays. It not only comes with dual SIM but supports 3G on both the SIM cards as well, which is unique. This 5.3 inch qHD IPS display phone also has one more unique feature, a 5 megapixel camera in the front, which is great for self portraits. You also get an 8 megapixel rear camera.

The phone is powered by a 1.2 GHz dual core processor, which is well complemented by 1 GB RAM. The built in memory is 16 GB, which can be expanded further to 32 GB through a microSD card. Other features include 3G/HSPA+">HSPA, WiFi, Bluetooth 4.0, USB, a 2550 mAh Li-Po battery and dual mic noise suppression. We have been using the device for almost a month now and can safely say that it is a very good buy for anyone who wants a large screen phone with good performance. This smartphone can be purchased for about Rs 13,600.

Micromax Canvas HD The hysterically hyped Micromax Canvas HD just started being available across the country. Sporting a large 5 inch touchscreen display, the Canvas HD A116 supports 720p HD (1280 x 720 pixel) resolution to run HD videos without any issues. It packs a quad core 1.2 GHz MediaTek MT6589 mobile processor with 1 GB RAM and runs Android 4.1 Jelly Bean smoothly. At the back it features a modest 8 megapixel camera with dual-LED flash capable of recording 720p HD video.

There is a front facing 2 megapixel camera for video chat. This dual SIM smartphone also features WiFi and Bluetooth 4.0 for wireless connectivity. Micromax has packed a 2000 mAh battery to make the phone run for long. We reviewed the Micromax Canvas HD and you can read about our thoughts on this smartphone here. This device can be purchased for as low as Rs 14,999 from Croma.

HOME LOANS DOS & DONTS On popular demand here comes the much awaited article on Home Loan. I plan to cover some of the do’s and don’ts while opting to avail a loan to own that dream home of life time. This post comes soon after me closing our home loan account, so I sure do qualify to share my learnings. Yes, you read it right, I just closed my home loan account over the last weekend! I can tell you one thing for sure, nothing can match the sigh of a relief one can feel after closing the loan on their first ever dream home :)

Planning before deciding on a home loan: Rule #1 – know your affordability. Decide on your preferences like whether you wish to go for an independent home or an apartment flat. Then choose the location that fits your budget. If you are looking at a considerably high budget home which might be just a little too pricey, think of having your spouse or parents as co applicants. That will help you avail higher loan amount since the combined affordability ensures the bank about a safe payment of EMIs. By having a co-applicant, you have an option of sharing the EMI payment on a percentage share basis. Accordingly, both the applicants will be able to avail tax benefits. Given that there exists a cap on the interest paid towards home loan is subjected to a max of 1.5 lacs per individual,

sharing the EMI between individuals make a better utilization of the tax benefit provision. This is advisable only for those where in both the applicants are working and paying tax out of their incomes. Few banks do impose rules like the co-applicant must be the co-owner of the property which you are planning to purchase. So make sure you have thought of all these things in the initial phase itself. Also ensure you have all the required documents even if you are going for a construction loan on an existing property. Once you have all the documents, it is easy to avail the loan and to strike the best deal among the lot in minimal time.

Choosing the loan:

While you are in the initial phase itself start researching about the various home loan products by at least 5 different banks belonging to both private and public sector. This gives you a very good competitive edge to evaluate the best product that suits your needs as well as a good learning of the industry. When I was in this phase precisely 5 years back, I got to know about all the conventional terminologies like ‘Fixed’, ‘Floating’ interest etc., Also, came across a product by ABN Amro bank which offered a mix of both! Since I was new to borrowing business by then, opted to go with a plan called ‘All Smiles Home’ which had a combination of both fixed and floating rates. I zeroed on a deal by ABN that was pegged at a fixed rate of 7.25% pa for first 3 years, 7.5% pa for 4th year, 7.75% for 5th year and floating rates there after for rest of the payment term! Usually fixed interest products are a bit high compared to floating ones. Though I could have opted for floating rate which was anywhere between 6.75 to 7% at that time. I chose the said plan as I was not willing to risk myself to

variable rates every 6 months or a year. This also helped me to plan my finance better since there were a number of things in the pipeline. I think this is a smart move for any individual who is planning for a home loan and has started the career a couple of years back. Few more things to keep in mind while choosing a home loan include various options like prepayment facility, charges on prepayment or foreclosure, periodicity of rate change etc., Some of the banks don’t allow prepayment while others allow up to 25% of the outstanding amount at the beginning of a financial year and few other banks don’t levy any penalty at all! I chose a loan that gave me an option to prepay 25% of the outstanding amount every year without any charges and provided an option to close my loan completely after 5 years without any extra charges. Some banks do provide home loan insurance at a nominal cost. If you don’t have enough risk cover on the applicant/s, opt for this insurance so that the loan burden is protected incase of unfortunate events. You may want to go through related articles on life insurance here.

During the loan tenure:

After availing the loan and while you are on EMIs, plan your investments with utmost care. Your aim should be to close the home loan account as earlier as possible. Since the interest component of your EMI would be very high compared to principal amount, most of the money paid towards the loan would be towards interest component and principal stays very much at the borrowed level unless you plan for some prepayment during the initial years. Prepayment can bring in a lot of benefit since it reduces the principal directly and there by interest component % gets reduced on the EMI.Whenever you make a prepayment, always opt to reduce the tenure of the loan period than to reduce the EMI. This way you will be able to close the loan account in a lesser

period compared the actual tenure for which you availed the loan.

If you continue to pay EMI’s without any prepayment, usually you end up paying ~1.8 to 2x times the borrowed money! So, tax saved from your income is actually paid to make the banks profitable! Of course, the relief is that you have a own home as an asset at the end of the loan period. Based on your affordability plan to close the home loan account anytime around 6-8th year, backed up by intermediate prepayments on a yearly basis. This will save you lot of money! Now your question might be on the lines of ‘What about tax benefit?’ if the loan is closed. Well, the answer is actually there is no benefit after few years as the principal component in your EMI increases while the interest component gets reduces drastically. Now that the home loan principal component is a part of section 80C (max 1 lac), and most of it gets easily filled with your insurance and pf contributions. Similarly interest component may be much lesser than 1.5 lacs. Upon closing the loan account and by paying the tax to government there after, our infrastructure gets better and we get to feel the benefits. But if you continue to hold the loan, you are just making the bank more profitable by paying heavenly interests! Now I don’t want to get in to numbers to prove that, you folks are smart enough to calculate after reading so many articles related to finance on this blog I suppose. If you have any questions, feel free to post them under comments section. I shall answer them to my best to help you :)

MARGARET THATCHER –

THE IRON LADY

Margaret Thatcher served as Prime Minister of the United Kingdom from 1979 to 1990. She was the first woman to serve in Britain's highest political office. During her time as Prime Minister she was a staunch conservative. She also was an important leader for democracy in the Cold War against communism and the Soviet Union. Where did she grow up? She was born Margaret Roberts in Grantham, England on October 13, 1925. Her father was a local businessman and store owner. She had an older sister, Muriel, and the family lived above her father's grocery store. Margaret learned early on about politics from her father Alfred who served as both alderman and Mayor of Grantham. Margaret attended Oxford University where she graduated with a degree in Chemistry. While attending Oxford, Margaret became interested in politics. She became a strong believer in a conservative government where the government has a limited amount of intervention in business. She served as president of the Oxford University Conservative Association. After graduating in 1947 she got a job working as a chemist. Margaret Enters Politics A few years later Margaret tried running for office for the first time. She ran for the parliamentary seat in Dartford twice, losing both times. Being a conservative, she had little chance to win, but it was good experience for her. She then went back to school and earned her law degree. Time in Parliament In 1959 Thatcher won a seat on the House of Commons representing Finchley. She would serve there in some manner for the next 30 years. In 1970 Margaret was appointed to the position of Education Secretary. Her position in the Conservative Party continued to rise over the next

few years. In 1975 when the Conservative Party lost the majority position, she took over the leadership of the party and was the first woman to become Leader of the Opposition. Prime Minister Thatcher became Prime Minister on May 4, 1979. She held the top position in the United Kingdom for over 10 years. Here is a list of some of the most noteworthy events and accomplishments during this time: Falkland War - One of the most important events during Thatcher's term was the Falkland War. On April 2, 1982 Argentina invaded the British Falkland Islands. Thatcher quickly sent British troops to retake the island. Although it was a difficult task, the British armed forces were able to take back the Falklands in a few short months and on June 14, 1982 the Islands were once again under British control. Cold War - Margaret played an important role in

the Cold War. She allied herself with US President Ronald Reagan against the communist state of the Soviet Union. She held a very hard line against communism, but at the same time welcomed the easing of relations with Mikhail Gorbachev. It was during her leadership that the Cold War effectively came

to an end. Union Reform - One of Thatcher's goals was to reduce the power of the trade unions. She managed this for the length of her term, standing her ground in a miner's strike. Eventually strikes and lost worker's days were significantly reduced. Privatization - Thatcher felt that moving some government run industries such as utilities into private ownership would help the economy. In general, this helped as prices were reduced over time. Economy - Thatcher implemented a number of changes at the start of her term including privatization, union reform, increased interest rates, and changes in taxes. At first, things did not go well, but after a few years the economy began to improve. Assassination Attempt - On October 12, 1984 a bomb went off at the Brighton Hotel where Thatcher was staying. While it damaged her hotel room, Margaret was fine. It was an assassination attempt by the Irish Republican Army.

On November 28, 1990 Thatcher resigned from office under pressure from the conservatives that her policies on taxes were going to hurt them in the coming elections. Life After Being Prime Minister

Margaret continued to serve as a Member of Parliament until 1992 when she retired. She remained active in politics, wrote several books, and gave speeches for the next 10 years. In 2003 her husband Denis died and she suffered a number of small strokes.

Since then, she has not been involved in public life. Interesting Facts About Margaret Thatcher She married Denis Thatcher in 1951. She and Denis had two children, twins Mark and Carol. While Secretary of Education she ended a free milk program in the schools. She was known for a time as "Thatcher, the milk snatcher". Her brand of conservatism and politics is often referred to as Thatcherism today. She got her nickname "The Iron Lady" from Soviet Captain Yuri Gavrilov in response to her strong opposition to communism. She was awarded the Presidential Medal of Freedom from the United States. As to why she was in politics she said "I am in politics because of the conflict between good and evil, and I believe that in the end good will triumph." Only a handful of peace-time politicians can claim to have changed the world. Margaret Thatcher, who died this morning, was one. She transformed not just her own Conservative Party, but the whole of British politics. Her enthusiasm for privatisation launched a global revolution and her willingness to stand up to tyranny helped to bring an end to the Soviet Union. Winston Churchill won a war, but he never created an “ism”. The essence of Thatcherism was to oppose the status quo and bet on freedom—odd, since as a prim control freak, she was in some ways the embodiment of conservatism. She thought nations could become great only if individuals were set free. Her struggles had a theme: the right of

individuals to run their own lives, as free as possible from the micromanagement of the state. In Britain her battles with the left—especially the miners—gave her a reputation as a blue-rinse Boadicea. But she was just as willing to clobber her own side, sidelining old-fashioned Tory “wets” and unleashing her creed on conservative strongholds, notably the “big bang” in the City of London. Many of her pithiest putdowns were directed towards her own side: “U turn if you want to”, she told the Conservatives as unemployment passed 2m, “The lady’s not for turning.” Paradoxes abound. Mrs Thatcher was a true Blue Tory who marginalised the Tory Party for a generation. The Tories ceased to be a national party, retreating to the south and the suburbs and all but dying off in Scotland, Wales and the northern cities. Tony Blair profited more from the Thatcher revolution than John Major, her successor: with the trade unions emasculated and the left discredited, he was able to remodel his party and sell it triumphantly to Middle England. His huge majority in 1997 ushered in 13 years of New Labour rule. The post-communist countries embraced her revolution heartily: by 1996 Russia had privatised some 18,000 industrial enterprises. India dismantled the licence Raj—a legacy of British Fabianism—and unleashed a cavalcade of successful companies. Across Latin America governments embraced market liberalisation. Whether they managed well or badly, all of them looked to the British example.

But today, the pendulum is

swinging dangerously

away from the principles Mrs

Thatcher espoused. In most of the rich world, the state’s share of the economy has grown sharply in recent years. Regulations—excessive, as well as necessary—are tying up the private sector. Businessmen are under scrutiny as they have not been for 30 years. Demonstrators protest against the very existence of the banking industry. And with the rise of China, state control, not economic liberalism, is being hailed as a model for emerging countries.

Rohan Sippy, who has worked with formidable names in his earlier endeavors, casts several relative newcomers in his new outing, NAUTANKI SAALA!. The focus, like the films listed above, is on telling a story that's fascinating and enthralling. I am told, NAUTANKI SAALA! is Rohan's lowest budget film so far. But this thought hardly crosses your mind as you embark on this voyage. For, this one's armed with a fascinating premise that's nourished with care by the raconteur, magnificent act by its lead actors, dollops of humor [wicked, sparkling, smart] that's punctuated so well in the scheme of things and eye-filling production design. NAUTANKI SAALA! is, without doubt, Rohan's most accomplished work so far! While returning from work one night, Ram Parmar [Ayushmann Khurrana] rescues the luckless Mandar Lele [Kunaal Roy Kapur] from his suicide attempt and inexplicably takes on the responsibility of rehabilitating him. Mandar has failed at every job... worse, he's also lost the love of his life, Nandini [Pooja Salvi]. Ram decides to reunite Mandar with his sweetheart, but, in turn, falls in love with her... The humor here is tailored for spectators who love new-age cinema. At the same time, comedy is serious business and very few film-makers have the knack of making people chuckle/giggle at the right places/episodes and Rohan gets it absolutely right all through the first hour. To give the credit where it's due, Rohan steps into a new terrain with NAUTANKI SAALA!, but the plot as well as the situations are so unfussy and uncomplicated and the characters so convincing [and timid too!] that you start taking to the goings-on without much struggle. The promotional material may give an impression that NAUTANKI SAALA! is yet another bromance saga, but there's a love story -- a love

triangle, in fact -- that's ingeniously integrated in the premise. While the first hour is thoroughly amusing [a few episodes are howlarious actually!], the post-interval do a somersault. Rohan and his team of writers [screenplay: Nipun Dharmadhikari, Charudutt Acharya and Rohan himself] introduce certain complications in the lead characters' lives, which take the familiar route and dilute the impact, albeit faintly. Also, a few episodes don't work, the pacing gets slow, the narrative is prolonged… till it gathers steam towards its resolution. The film never gets into the serious zone or melodramatic, but remains lightweight all through, which is a plus. In short, Rohan has cleverly adapted and modified the French film to suit the Indian sensibilities, which works exceedingly well for the Indian spectator. With a music company backing the film [T-Series], the soundtrack ought to be lively, with the songs holding tremendous recall value. The tracks are smart, trendy and seeped in melody. 'Mera Mann' is the pick of the lot, while 'Saddi Gali' is equally soothing. The yesteryear hit, 'Dhak Dhak', too finds a place in the narrative in a new avatar [towards the end credits]. The DoP [Manoj Lobo] captures the theatre backdrop, indoor look as well as locales of South Mumbai with zing. I'd like to make a special mention of the one-liners, which are soaked in wittiness and most importantly, devoid of double entendres. The production design is eye-catching, especially the setting in the theatre. Of the leading ladies, Gaelyn Mendonca [as Chitra] is sprightly and most confident. Pooja Salvi could do better if she spruces up her acting skills, though she flaunts the vulnerable look well. Evelyn Sharma's presence is restricted to a few sequences only. Rufy Khan is serviceable. Sanjeev Bhatt [as Chandra, the theatre producer] is a riot. He brings the house down every time he appears on screen, especially during the sequence when Kunaal is being auditioned. Sulbha Arya [as Kunaal's grand-mom] is super. Abhishek Bachchan appears in a cameo. On the whole, NAUTANKI SAALA! is uncontaminated, witty and amusing, offers an interesting premise with plenty of good laughs. A lightweight fare that caters to cineastes with an appetite for contemporary cinema, this movie ought to be on your 'to watch' list for sure!

COMMANDO is expected to change the action landscape of Bollywood, with Vidyut partaking in never-witnessed-before action sequences, hand-to-hand combat, mid-air splits and

somersaults, extreme acrobatics et al, all done *without* body double or cables, but by the actor himself. In that respect, COMMANDO takes action in Hindi movies to another level. The skeptics may argue, we have seen it all in movies starring Tony Jaa, but COMMANDO is, perhaps, the first Hindi movie that attempts to showcase a series of death-defying, high-octane stunts performed by the lead man himself. Naturally, Vidyut is being peddled as the new action hero of Bollywood. Karanvir Dogra [Vidyut Jammwal], a commando with the Indian Army, crashes into the Chinese territory. After being detained for a year in China and labeled an Indian spy, Karan escapes from the Chinese side and crosses into Himachal Pradesh. As Karan crosses into Punjab, India, he runs into Simrit [Pooja Chopra], who is escaping from Amrit aka AK47's [Jaideep Ahlawat] goons. Amrit wants to forcibly marry Simrit. Karan bashes up the goons and in turn, invites the ire of Amrit. Together, Karan and Simrit escape into the jungles, when cornered by Amrit and his cronies. Thus begins a cat and mouse game between Amrit and Karan in the deep forests... Director Dilip Ghosh stays true to the essence of the premise and promises never-witnessed-before action in COMMANDO. Having said that, I wish to add that COMMANDO isn't a film that merely celebrates action or attempts to portray Vidyut's expertise in martial arts. Also integrated is a [subtle] love story, besides drama of course. In addition, the makers punctuate the mandatory songs to spice things up. But its biggest strength is, without an iota of doubt, the action sequences, especially the ones while on the run in the jungles. COMMANDO attempts to encompass every stunt possible to entice the Indian viewer, which Vidyut implements as dexterously and effortlessly as Tony Jaa or Johnny Tri Nguyen. Nonetheless, films that focus on chase and action should stick to the core issue, hence the romance between the lead pair [in the first half of the film], the mandatory songs [especially the one filmed in

Kutch, again the first hour] and the political interference [in the second hour] appear completely forced in the scheme of things. But these shortcomings are pardonable, to a large extent, for the reason that the action sequences keep you mesmerized largely. The drama has its moments, especially when the cat and mouse game begins. The sequences in the jungle -- which forms a major chunk of the movie -- and the good versus bad altercations and confrontations are attention-grabbing. Also, the writer [Ritesh Shah] knows that the closing moments ought to give the viewer a high in a film of this genre and he serves it most convincingly. The concluding moments -- when Vidyut is attacked by a South African slayer at the behest of Jaideep, right till Jaideep's elimination -- leave you awe-struck. The soundtrack [Mannan Shaah] is perfect, but amalgamating the songs with the chase sequences didn't really work for me. However, the raunchy song filmed in the second hour seems most appropriate vis-à-vis its placement. The DoP [Sejal Shah] is the behind-the-scene star of the enterprise. COMMANDO clearly belongs to Vidyut and the liberty of watching him crushing everything and everyone in sight leaves you tongue-tied. By doing the stunts without a body double or cables, he fits into the definition of India's Next Gen action hero without a hitch. He's a fine actor too, although it's the action that takes precedence over histrionics here. Pooja Chopra couldn't have asked for a better launch pad. Sure, COMMANDO is, at heart, an action fare, but as the reels unfold, you realize her role in the film has shades that are essential for a Hindi film heroine and Pooja gives it her best shot. She's photogenic, but most significantly, comes across as a poised and self-assured actress. Jaideep Ahlawat delivers an unparalleled performance, yet again. He's one of the finest talents around and even though he plays the conventional baddie, he will be recalled in the same breath as the protagonist of the film. Darshan Jariwala is alright in a cameo. On the whole, COMMANDO is vintage good versus evil saga in a strikingly new avatar. A high-voltage action fare that's racy, pulsating and packed with some adrenaline-pumping stunts. Watch it!

Aries - Extra energy sweeps you into the weekend. A good month for photos, socializing and personal beatification. A new car or new image may be just around the corner. What is certain is that you are starting a new 2½ year cycle. Where do you want to be at that time? Get your goals on paper. Taurus - HC 13,14,15 gives you m ore energy than most. The next six weeks think in terms of finishing a 2 ½ year chapter. When you come to the end, you should be excited and ready to turn the page. Opportunities keep pouring in; pick and choose carefully. No time to dabble. Commit to a select few interests. Gemini - Keep your ear to the ground and finger on the pulse of your society. There is news or a shift in policy that could affect you. HC 15,16,17 gives more energy, it doesn't guarantee super-human powers . Use common sense. People will assist hands on or offer advice in personal or professional circles. Cancer - The conversation may be easy and bright, but the expectations are serious. Pressure turns up a notch forcing you to make choices. Over spending is never the answer. HC 18 ,19,20 is the time to show what you know and burn the midnight oil. Keep your goals and priorities in heart and mind. Leo - People are about to come more helpful, friendly and yes, useful. Not that you would take advantage of anyone, but it is good to remember that often "it's not what you know, it who you know". Push to bring projects to fruition over the next six weeks. The more you get done now, the easier June will be. Virgo - The spotlight is off of you and highlighting Sun Sign Libras now. Forced and agreed upon adjustments start soon enough, so take it easy this weekend. Values have shifted for one reason or another and this impacts your daily routine. Travel upsets or a surprise communication gets your attention.

Libra - It is important to eat right and get enough rest. Hope you've practiced and are prepared; it's your turn in the spotlight. Over the next 6 weeks people will notice everything you do or say and what you don't. Mistakes are okay, weak excuses aren't. Be genuine. Be gracious. And laugh when you get the chance. Scorpio - LLC 13,14,15 eat right, get enough sleep and don't compare yourself or situation to others. Opportunities continue and you'll have the chance to pursue an interest before June. Take advantage of easy flowing communications and shared knowledge. Adaptation ensures survival. Sagittarius - You can be energized by a new group, occupation or novelty over the next 6 weeks. Hard to see it during your LLC 15,16,17. Ignore this fresh force it if you wish, but isn't it more fun to play than sit on the bench? Choose associations knowing group s conform individuals to maintain integrity. Capricorn - The pressure is on. Have your plan in pencil, not stone. Try to accomplish without incurring unnecessary expense. Unnecessary is the key word. Good fortune appears for those who are prepared. Position yourself accordingly. Schedule meetings before your LLC 18,19,20 if you can.

Aquarius - Finally, you can see some real progress on your goals over the next few weeks. Recommit yourself and push onward. People in general are more available for conversation, assistance or social opportunities. Authority figures or people with influence are helpful if you are prepared when you ask. Pisces - Goals for the next 2 ½ years should be firmly in mind. The new information coming shouldn't change your convictions; instead it should refine your commitment. Inspiration comes from things that shock as often as not. Decide before you start, will you influence a group with passion or reason?

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