As for example mango trees start to give fruits after 5/7 years from plantation. It is also help the owner of the land financially and also provide shades in summer season.In the village side most of the people like to sit under the shade of the tree with view to get relief from heat.We can utilise it in many ways for the benifit for the villagers which I will discuss another day

In rainy day I like to enjoy rain from the window and like to listen music specially Rabindra Sangeet and also old songs of Hindi flims.I also like to enjoy hot tea sitting on the side of the window.

...........Dhiraj.........

Same is the fet of our old age. At present it has been observed that upto to the age of 75 years men can go well ,but after it they need some help as regard money and also for help in every step of life.Those are very lucky men and women who have sufficient to maintain their lives. on the other side who have to depend upon their children for financial help are mostly neglected persons in the eye of the children as well as in the eye of their grandsos and daughter.

For this reason it will be wise to think about the old age from the very beginning in which one not have to depend upon any one for finacial help.

Due to her ill health she can not move with me most of the places where I like to take her.She can tell a story on the samw way hearing once from me.She can awoke any one from sleep with her sweet voice.

She is not interested in taking food. She is very good in manner. She loves all equally and in habit to approach every one in same way

.........Dhiraj

After retirement from service I have no place to stay as such i was bound to stay in Govt. quater.I am very much thankful to God ,that when I was to much debted my son got service and taking loan he managed to return the amount to one of my close relative. I could not understand why the said relative did not pressurise me to return the amount earlier. As soon as I retired from service ,he started to pressurise me for the amount.

I tried my best to sell my landed properties and then my so called"bhagna" took my one mango garden giving me more less price than the market .He also tried his best to prevent me from selling the said mango garden to any other person as I was totally dependent upon him. on that days I was in such a critical position that I have no other alternative except to accept the proposal of Monoj Choudhury (so called bhagna) .Getting no other alternative I agreed to accept Rs 10000/- (ten thousand) per month as the price of the mango garden. The bank agents who gave me credit cards were in habit to call me and also to provoke me for taking loan. The last loan of Rs 2,00,000/-which they gave me on their several pursuance,finished me in all respect. I was compelled to pay not less than Five lacs to get relieve from their hands.

After joining of new service my son was bound to take loan. Due to my fault my son is on the same path of taking loan from the diffarent banks either for me ,for my daughter or for his personal use. I am not in a position to say any think about this as he is able to keep his account personaly or with the help of his wife.

I have told too much till now only to realise you the nesacity of the saving for the future.Do not believe in those words "money loss is nothing loss". Every loss is loss what ever it may be.Not only for money, but I will say you that for the better future of the life pl give more attention about loss of time,as I think it is also valuale just like money or more than money

...............Dhiraj

From the very beggining we should not neglect any thing in our life. If we over look any thing in our life for a moment it becomes a problem in future. Always try to see all the things yourself. If in any case it is not possible from your end then depute any such person who is able to take such care. Again i am warning not to believe your close relative in any financial matter,otherwise you have to repent in future.

Here I am not telling you to disbelieve everyone in your life. I am asking you only to remain very alart from your

close relatives about financial matter.If you will believe them too much in this respect it will be a matter of sorrow in future in your life.

Try to do everything personally as far as possible from your end. Do not cry in future for your own wrong.None will come to stop your cry,but on the contrary they will try to avail opportunate moment to finish you in all respect.

............Dhiraj

In my life I have seen that some persons who came to close me were not at all my well wishers,as well as some have not hesitate to kick me at my bad time. I remained silent and started to watch the situation and tried my best to over come the situation and lastly success came in my life.

In this regard I like to say that do not believe any man as long as you are not satisfied upon them. specially keep very close watch upon those persons who are your close relatives. These relatives are very dangerous and will not hesitate to bite you just like the great Mirjafal.I will feel proud to say that do not believe this close relative any time as they are more dangerous than a snake. Snake will not bite you as long as you are not doing any harm but this relatives will try to every opportunate moment ot bite you

From the very beginning you have to proceed with very care if you want to get success in your life.The golden period of life comes for a short period .If you fail to utilise it carefully you have to face much problem for success in life. All are depending upon God no doubt but you have to try to get success in life.

.............Dhiraj.............

At first have to save otherwise it will be difficult to save in future. Secondly do not waste a single piece for any reason which has no return in long run.

From the very beginning try to think for the expenditure of the education and also medical treatment of self and also about parents.Do not give any amount of loan to your friends except some urgent situation.Do not go on show.

Always try to give proper respects to your parents and other superiors of the family and society.

...........DHIRAJ

Today the cost of living is being high day after day and we are unfortunate to same the necessary amount for our future. So it will be helpful if we can maintain simple life. If anything is extremely urgent must have to do but I will advice you do not live lavisly and must not form the habit of purchasing things on credit cards. as regard Credit Card I have written earlier.

It has been observed that due to lavis life and credit cards some people are committing suicide as we are getting news at papers. on 27-4-2008 in A.B.p. got an information that one Chandrasekhor babu has committed suicide for debt of about Rs 42,00,000/- it was also noted in the paper that he would live lavishly. If can collect full information we will find that he would have several credit cards and may have done same wrong to finish his debt using credit cards.

............Dhiraj

in our young age we do not care for anything whatever it may be but in the long run we have to repent for the same. As for example it may be said that at your young age you did not give proper attention in study of your child, so in the latter part of your life when you are blaming your children for not doing well in his life ,you should understand that you are responsible for the same.If you would have given proper attention upon your child in due time ,then this days would not come. It is fact all are not equal meritorious but in real life only merrit can not be the factor to stand in life.

I am also giving another example which I have in in my life. My friend was in Govt. service. For the better financial help of the family of his in-law he started printing business and gave them full authirity to use it at their own will,and gave all financial help to rise the business. But my friend did not care to look into the business and out of relationship he never enquired about the profit and loss of the business. His father -in law was so canning person that when my friend would enquire about the account of the business the father in -law would give big talk and would say he is doing all effort to increase the business. My friend was a man of broad mind and as he did not felt so need of money so he did not ask for the share of the profit of the business. My friend thought in mind after retirement he will look properly upon the business. In the mean time the canning father.in .law of my friend convinced his daugher in such way that the wife of my friend allowed his father to keep the amount of other source of income. His elder brother-in law out of anger told my friend "evi to babuji ko paisa the rahe ho to bohut achha log rohe he jas paisa mangengto asal chehera dekh lenge' The real face of his father -in -law came to him at the time of giving marriage of his daughter.That very father -in-low did not given him a single piece of the income of the press. on the other hand compelled my friend to sale his one house only at the price of Rs 85,000/-(eighty five thousand) which is a property of not less than three lacs. Today the condition of mf my friend is so critical that he is staying with his son as his pension is not sufficient to maintain his life. Here the tragedy of the life of my friend is that if he would give proper attention upon the business from the very beginning or if he would have listen the utterings of his brother -in-law in time he would not have to face such days.

.............Dhiraj

I like to draw your attention here saying that pl try to remain happy at home and not creat the home as your working place. the work attitude is very good but try to give your some valuable time for your wife and child. Try to remain happy at your income

............Dhiraj