Grand Mother-The Second Jewel

Grand Mother-The Second Jewel

This is the second Jewel in Elizabeth’s life.

The word signifies Love, Hard work, kindness, beauty, bed time stories and a woman of substance.

Grand Mother’s name is Susanne. Her husband died when she was really young. After that she brought up all her children on her own. This made her a tough woman. She loves everyone but cannot show that love.

She is fair lady with long grey hair. She always wears cotton saris nicely pressed. In her appearance she looks to be from royal family. You can imagine how beautiful she would have looked in her young age.

Elizabeth in her childhood always slept with grand mother hearing stories from her. These stories have created a base for the principles Elizabeth has in her life.

Elizabeth has a very special place for Susanne and will always love her.

We will hear some stories from Sussane and in some later posts.

Note: Please pour in your comments and suggestions to improve my writing and grammatical capabilities.

Disclaimer: This post is from point of view of Elizabeth, if anyone feels hurt or disrespected by any post please revert back, Elizabeth will try to correct her ways of expressing. This is her first attempt to writing.

Regards,

Eliz
(Motto of Life - Mast Raho)

Introduction to Insurance - Part 3

BASIC CONCEPTS

What is Premium?

Premium is the consideration that the policyholder has to pay in order to secure the benefits offered by the insurance policy. It can be looked upon as the price of the insurance policy. It can be one time payment or it has to be paid regularly over a period of time. A default in premium can endanger the continuance of the policy. If that happens, the policy will be treated as lapsed and the expected benefits will not be available.

The calculation of premium is a highly complex technical process, involving actuarial and statistical principles.

Loadings

Loadings can be made for covering administrative expenses, unexpected contingencies and fluctuations like an earthquake or accident or riots or epidemic, these can raise the number of deaths to a much higher level than normal so insurers for safety measure provide for such contingencies by loading the premium.

Bonus

The distribution of the valuation surplus to policyholders is done through the declaration of ‘Bonus’. Only policyholders who opt for ‘participating’ or ‘With profit’ policies would be entitled to bonus. Other policyholders who have ‘Non participating’ or ‘Without Profit’ policies would be paying a slightly lesser amount of premium for the same kind of insurance cover, because of the factor of ‘Bonus Loading’.

Sum Assured

In a life assurance policy (for example, whole life assurance or endowment assurance), the sum assured is the minimum amount payable to the assured or his/her dependants on the death of the life assured.

Paid Up Value

Under this option, the sum assured is reduced to a sum which bears the same ratio to the full sum assured as the number of premiums actually paid bears to the total number originally stipulated in the policy.

For example, if the sum assured is rs. 10000 and the total number of premiums payable is 50 (i.e. term is 25 years and mode is half yearly) and the default occurs after 25 half yearly installments are paid, the policy acquires a paid up value of Rs. 5000, with effect from the date of 26th installment was due.

Assignment

A Life Insurance Policy is property. It represents rights. A life insurance policy forms the estate of the assured and can be sold, mortgaged, charged or gifted.

An assignment transfers the rights, title and interest of the assignor to the assignee.

Nomination

Nomination is a simple way to ensure easy payment of policy moneys in the case of a death claim. A nomination gives the nominee only the right to receive the policy moneys in the event of death of the life assured. A nominee does not have any right to the whole (or part) of the claim. He only has the right to give a valid discharge but has to hold the moneys (all of it) on behalf of those entitled to it.



Surrender

Surrender is a voluntary termination of the contract, by the policy holder. A policyholder can surrender the life insurance policy at any time before it becomes a claim. The amount payable on surrender is called the surrender value or cash value. The surrender value is usually a percentage of the premiums paid or a percentage of the paid up value.

LIFE INSURANCE PRODUCTS

Life insurance products are usually referred to as ‘plans’ of insurance. These plans have two basic elements. The elements are as follows:

Death Cover – Death Cover provides for the benefit being paid on the death of the insured person within specified period.

Survival Benefit – Survival benefit provides for the benefit being paid on survival of a specified period.

Now let’s discuss some of the life insurance plans.

Some of the basic life insurance policies are as follows:

Term Assurance – It provides only death cover. If the insured does not die within specified period, no payment is made under a Term Assurance Plan.

Pure Endowment – It provides only survival benefit. If the insured dies within the specified period, no payment is made under a Pure Endowment Plan.

Whole life policy – A term assurance plan with an unspecified period is called a ‘Whole Life Policy’ under which the sum assured is paid on death, whenever it occurs.

Annuities – A form of pension in which an insurance company makes a series of periodic payments to a person or his or her dependents over a number of years, in return for the money paid to the insurance company either lump sum or in installments.

All insurance plans are combinations of Term Assurance and pure endowment plan.

Endowment Assurance Plan – A combination of Term Assurance Plan and Pure Endowment plan is Endowment Assurance Plan. In this Sum assured is paid on survival of specified period or on earlier death.

Double Endowment Assurance Plan – A combination of A Term Assurance plan with a Pure Endowment of double the value is called a Double Endowment Assurance plan. In this plan the amount payable on survival is double the amount payable on death.

Money back Policy – In this policy say 20% of Sum Assured is given every 5 years and 40 % on 20 years. And full sum assured on death at any time within 20 years. This a combination of Term Assurance plan and four Pure Endowment plan.

Limited Payment Policy – In this type of policies premium are payable for a limited period or short period.

Single Premium Policy – In this type of policy premium is payable once.

Participating or With Profit policy – In this Policyholder can participate in profits of the insurance company.

Non Participating or Without Profit Policy - In this Policyholder cannot participate in profits of the insurance company. And the premium is also charged less.

Universal Life Policies - Universal Life Insurance is a flexible-premium, adjustable benefit life insurance policy that accumulates account value. The flexibility of this policy allows you to change the amount of insurance as per your needs for insurance change. Some changes require underwriting approval. As with all life insurance, the main purpose for buying a Universal Life insurance policy is the death protection provided to your loved ones at your death.
Variable Life policies - Variable life is one kind of permanent insurance that lets you target your premium to one or more separate investment funds. These could be fixed income investments, or stocks, bonds, or a money market fund. Depending on company policy, you can switch your investments two to five times per year. Unlike universal life, with variable life you can control the investment of your cash value.
Joint Life Policies – Two or more lives can be covered under one policy. Such policies generally cover married couple or partners. The sum assured is paid on the death of any of the insured persons during the term or at the end of the term.

Group Life Assurance – Group life assurance is a life assurance policy that covers a number of people, usually a group of employees or the members of a particular club or association.

Riders – A rider is a clause or condition that is added on to a basic policy providing an additional benefit, at the choice of the proposer. For example, a provision that in the event of death of the life assured by accident, the Sum assured would be double can be a rider on an Endowment policy.

CLAIMS

A claim is the demand that the insurer should redeem the promise made in the contract. The insurer has then to perform his part of the contract i.e settle the claim after satisfying himself that all the conditions and requirements for settlement of claim have been compiled. Different types of claims are as follows:

Maturity Claim – Under endowment type of policies, the sum assured is to be paid when the term of the policy is over. The date on which the term is complete, is the date of maturity and the settlement of the Sum assured on that date, is maturity claim.

Death Claim – This type of claim is given on the death of the assured.

Note: Please pour in your comments and suggestions to improve my writing and grammatical capabilities.

Disclaimer: This post is from point of view of Elizabeth, if anyone feels hurt or disrespected by any post please revert back, Elizabeth will try to correct her ways of expressing. This is her first attempt to writing.

Regards,

Eliz
(Motto of Life - Mast Raho)

The Unrealized Dreams

The Unrealized Dreams

Everyone has dreams, some of them you are able to realize and some of them are unrealized.

Some people get de-motivated by the unrealized dreams, and gets upset and try to blame someone or the other for the same.

Eliz thinks that try not to get upset of the unrealized dreams and try to change the perspective of you. One should divert all his energies into positive direction. Also try some simple things like changing your look, or wardrobe or talking to friends and family so that they can help in giving new perspective. Some of things Eliz herself has tried and was successful.

Quotation from Hariwanshcray Bachchan - "Man ka ho to bhala; na ho to usse bhi bhala; kyunki bhagwan ki marzi ka ho raha hai; aur bhagwan kisi ka bura nahi chahta hai"

Disclaimer: This post is from point of view of Elizabeth, if anyone feels hurt or disrespected by any post please revert back, Elizabeth will try to correct her ways of expressing. This is her first attempt to writing.

Regards,

Eliz

(Motto of Life - Mast Raho)

Lingo of the day

Hey All,
Good Morning!
Was not well yesterday so couldn't write.
Today's Lingo of the day - "Ek Number"
Heard from a puneite meaning "Excellent".

Regards,
Eliz

Introduction to Insurance - Part 2

Introduction to Insurance - Part 2

CLASSIFICATION OF INSURANCE

Generally insurance can be classified as follows:

1. Life
2. Non Life

Life insurance includes all risks related to the lives of human beings and General Insurance covers the rest.

General Insurance has three classifications

(a) Fire (dealing with all fire related risks)
(b) Marine (dealing with all transport related risks and ships)
(c) Miscellaneous (dealing with all others like liability, fidelity, motor, crop, personal accident etc.)

PRINCIPLES OF INSURANCE

There are some basic principles which apply to Insurance. The principles are as follows:

1. Utmost Good Faith – Most of the facts relating to health, habits, personal history, family history etc. which form the basis of the contract are known only to the proposer. The insurer cannot know them, if the proposer does not disclose them. The underwriter can ask for a medical report. Yet there may be certain aspects which may not be brought out even by the best medical examination. For example a person suffering from diabetes, blood pressure can hide this by certain medications from examining doctor. History of past sicknesses, operations, injuries can be suppressed. Some of this may affect the life expectancy of the proposer. This constitutes material information from the underwriter’s point of view.

Similarly in general insurance, an inspection of the premises may not disclose that the contents of the godown have been temporarily relocated. Non disclosure of such facts would put the insurer as well as the community of policyholders, at a disadvantage. The contract is unfair, because one of the parties to the contract is in a more advantageous position.

The duty of full disclosure is of both the parties. The insurer also needs to disclose facts.

In insurance contract in the event of failure to disclose material facts, the contract can be held to be void ab initio.

Every circumstance that would have a bearing on the judgment of prudent insure in fixing the premium or determining the acceptability of the proposal for insurance, is a material fact. Therefore, facts regarding age, height, weight, nature of occupation, smoking/drinking habits, medical history, surgeries, earlier insurances etc must be disclosed.

2. Insurable Interest – An insurance contract is different from the wagering contract because of the principle of Insurable Interest. A wager is a bet.

Insurable Interest means that the proposer must have a stake in the continuance of the subject insured and could suffer a loss, if the risk is not covered through insurance. Financial or pecuniary interest in the subject matter is insured. The insured must be in relationship with the subject of insurance, where he benefits from the well being and safety and would be prejudiced by its loss or damage.

Who can have insurable interest?
Ø A husband has insurable interest in life of his wife and vice-versa.
Ø An employer has insurable interest in his employee to the extent of the value of his services.
Ø An employee has insurable interest in the life of his employer to the extent of his remuneration for the period of his notice.
Ø A creditor has an insurable interest in the life of the debtor, to the extent of the debt.
Ø Partners have insurable interest in the lives of each other.
Ø A surety has an insurable interest in the life of his co surety to the extent of the debt and also on the life of principal debtor.
Ø A company has an insurable interest in the life of a key valuable employee.

3. Causa Proxima – It means that proximate not the remote cause will be taken as the cause of loss. The insurer is thus has to make good the loss of the insured that clearly and proximately results, whether directly or indirectly, from the event insured against in the policy. The burden of proof that the loss occurred on account of the proximate cause lies on the insured. An insurer would therefore be exempted from liability when the cause of loss falls within the exceptions of the policy.

4. Indemnity – Insurance is meant to compensate losses. It cannot be used to make profit. This is broadly the concept of Principle of Indemnity. The amount paid out as claim cannot exceed the amount of loss incurred. Insurance should place the insured in the same financial position after loss as he enjoyed before it, not better. There is a link between Principle of Indemnity and insurable interest. The amount of claim cannot exceed the extent of interest.

In case of Life insurance the insurable interest is assumed to be unlimited therefore the principle of indemnity does not apply.

Note:
Please pour in your comments and suggestions to improve my writing and grammatical capabilities.
In the Part 3 post we will keep learning about Insurance Basics Concepts and its type.

Disclaimer: This post is from point of view of Elizabeth, if anyone feels hurt or disrespected by any post please revert back, Elizabeth will try to correct her ways of expressing. This is her first attempt to writing.

Regards,

Eliz
(Motto of Life - Mast Raho)

Lingo of the day

Hey All,

Good Morning! :)

So let's start the day with a new kind of post in the blog. This will be called "Lingo of the day".

Lingo - "Chill Madi"
Eliz heard it from a bangalorean. This means 'Chill Maro" or "Take a Chill Pil".

Have a Good Day!

Regards,

Eliz

Introduction to Insurance - Part 1

Introduction to Insurance - Part 1

WHAT IS INSURANCE?

Let’s answer this question first.

What are the important things which a company has?

People, Machines etc.

These are assets to a company, because this carries value.

The business of insurance is related to the protection of the economic value of assets. Every asset has a value, and is valuable to the owner as he expects to derive benefits from the asset. The benefit can be an income or anything else.

Every asset is expected to last for a certain period of time during which it will perform. So the owner arranges for its substitute. However an asset can be lost earlier due to a fire or anything adverse. Insurance helps in reducing the effect of the adverse conditions.

For example a PC for a IT company is a valuable asset, as it helps in generating income by helping in software development process. The company knows it will perform for say 5 years. So the company arranges for its substitute at the end of 5 years so that benefits derived from it don’t stop. But let’s say a fire occurs so the PC gets destroyed. But the company was not prepared for this adverse situation. But if the PC was insured the insurance would have helped in reducing the effect of the adverse condition.

At the time of 9/11 also, insurance company helped people by giving compensation and reduced the effect of the adverse condition.

PURPOSE AND NEED OF INSURANCE

Before knowing the purpose and need of insurance, first we should understand the concept of risk.

Risk – Risk is the possibility of adverse results flowing from any occurrence. Uncertainty gives rise to risk and for risk to exist there should be two outcomes out of which one should be undesirable.

For example for an export company there is a risk of loss of goods during the time of shipping. There are two outcomes in this situation either the goods will reach the destination safely or they will get lost or destroyed.

One more concept to be understood is Perils. Perils are the events like fire, flood, earthquakes, breakdown etc which can cause accidental destruction.

Insurance is relevant to uncertainties. If there is no uncertainty about the event it cannot be insured.

For example a person is crossing the river and in his boat there is a whole. And it is certain he will drown. So the insurance of this event cannot be done.

But there can be 1 question in case of life, death is a certain event. But there is insurance for this. Why?

The insurance is done because the time of death is uncertain.

Only economic consequences are insured.

For example there is a family of four with one earning member. The earning member works hard to get the money flowing to meet the requirements of his family. They have plans to construct their own house in the next two years. Everything is going as per plan.

The various events which can upset these plans are:
ü Burglary
ü Death
ü Accidental Permanent disability
ü Sickness
ü Critical Illness

All this events are out of control of family and more in hands of destiny. All these events can erode the wealth of the family.

In order to reduce the effect of risk to which family is subjected and to safeguard their economic value insurance should be taken.

HOW INSURANCE WORKS?

Insurance is based on business of ‘Sharing’. The mechanism of Insurance is very simple. People who share the same risk come together and agree that if any one of us suffers from the loss, others will share the loss and make good to the person who has suffered from the loss.

For example all houses in salt lake are faced with the risk of burglary. So the people in salt lake come together and agree to share the loss and make good to the house who has suffered from the loss.

Another example can be in a village there are 200 houses. And there is a risk of earthquake over there. And from the past experiences it is known that 10% of houses get destroyed each year due to earthquake. And the loss suffered by each house is Rs. 10000. So the total loss suffered by the village is Rs 2 lac. So each house contributes Rs. 1000 and share the risk of loss to those 20 houses.

BUSINESS OF INSURANCE

Insurance companies are called as insurers. The business of insurance is to
1. Bring together persons with common insurance interests (sharing the same risks)
2. Collect the share or contribution (called premium) from all of them, and
3. Pay out compensations (called claims) to those who suffer.

Note:
Please pour in your comments and suggestions to improve my writing and grammatical capabilities.
In coming posts we will keep learning about Insurance basics.

Disclaimer: This post is from point of view of Elizabeth, if anyone feels hurt or disrespected by any post please revert back, Elizabeth will try to correct her ways of expressing. This is her first attempt to writing.

Regards,

Eliz
(Motto of Life - Mast Raho)

My Expereince of Tonglu, Sandakphu and Timling

Hey All,

This mail I am writing to tell u all about my adventurous trip to Tonglu, SandakPhu and Timling. This all are Himalayan ranges. I went for this trip on 18th may night and returned back on 22nd may morning.

We cannot reach to Himalayan ranges directly. So we have to have a break journey. And via some places we reach at that destination .And also we have to take different mode of transport to reach to such a place. We took three modes of transport: Train, Bus and Land rover (It is kind of a jeep but lighter than a jeep. And is made specially for traveling through mountains and its rocky routes.

18 May – 19 may - We went to Tonglu first. For going to tonglu, On 18th night we took Darjeeling mail to go to New jalpaiguri(NJP), we reached at NJP at 9 o’clock in the morning. There we had our breakfast. And then we took a bus to reach Manebhanjay. We started from NJP at 9.30 approx. Then we reached Manebhanjay at 1.00 Pm or so. Ther we had our lunch. In bus we played antakshari. I was the caprtain of one of the team and Pamela of other. Though no team won but ppl were amazed by our stock of songs. And declared us champs. Cool na.

And then we took Land Rover to reach to Tonglu. After 6 km from Maneybhanjay we stopped at a place. After roaming around at that place we were able to see Kunchenjunga from that place. When we stopped at that place it was cloudy then the clouds started to disappear. And we re able to see kanchanjungha peak It was very nice experience. From there we started to realize that what are we going to experience in coming 2-3 days. There was no road on the mountains. It was a very bumpy ride. The path was made by cutting the mountain so no normal road but boulder king of rocks in our path. It was a test for us, coz at one side there was abyss and other side mountain. If the vehile lost its control we could have lost our lives. Jus kiddin. But the land rovers are made with such a good grip that it can’t loss control, and the drivers such trained to drive on such a road that there calculation is exact and u need not worry. After traveling for 10kms on such a bumpy ride we reached tonglu in the evening. From ther kuchenjungha was much more clearer. It was evening at it was a beatuful scenery to see. And we discovered that at the place we are going to stay, ther no light is there. Although mobile signals were coming. We were 3070 mts above the sea level. Water is also scrace there. One needs to bring watr from the downhill. Then we arranged for a camp fire in the evening there ppl were singing Bengali and hindi songs. And it was such a nice experience because with the spirit with which they were singing was commendable. After this session we had our dinner did some time pass and went for sleep. Coz next day we were suppose to get up at 4o’clock in the moring to see kanchanjungha with sunrise. But there was bone chilling clod over there. The whole night we couldn’t sleep we were shivering after taking two balnkets also. May be since we came from a high temperature to low temperature the body was not able adjust to such a temperature. And at night thetemperature was 4-5 degrees.


20 May – We woke up at 4o’clock in the morning and went to a height from where kunchenjungha was clearly visible. We saw the peak changing its colours due to sunrise. It was a beautiful moment to capture. Then after coming from there and after having our breakfast n all we started for our next destination i.e Sandakphu. It is 21 kms from Tonglu. And the ride is very bumpy and full of stomes. It is the highest peak of Bengal. We then got down of our land rover before 3.5 kms from sandakphu and started our trekking. Some ppl of our group decided to sat back in the land rover. While trekking we saw different kinds of flowers and trees. It was cloudy over there. And were literally walking between the clouds at some times. There was some drizzling also. The natural beauty which we saw was like we see in movies. Some horror and some romantic movies. I cannot explain in words what all we saw, if you see pictures may be u can get what am I trying to tell u. It was a very nice experience. After trekking for 2-3 hrs we reached sandakphu. After that we were so tired that we took bath had lunch and slept for 3-4 hrs. It was a real sound sleep. After that in the evening since the weather was not clear we dint go for sight seeing but we decided to have a small gathering in a room. Ther we sang, some ppl did mimckry etc.

Hey i forgot to tell u tha the room which was allotted to us in sandakphu was made of wood and it was a very cute room. There we had light which was a solar light. But mo mobile connections. They have made a business out of this. They took 50 rs to charge a mobile.

After our party we had our dinner and went for sleep. Ther at night we didn’t feel that cold may be because our body got used to such a low temperature. Next day were suppose to wake up at 4oclock so that we can for sight seeing. But this was subject to weather being clear.

21st may – Our luck didn’t favour us and the weather was unclear. The whole area was cloudy and it was raining. And due to that the temperature also was low. Then after taking our breakfast at 8oclock we started for maneyabhanjay which was 31 kms away from sandakphu. Since it was raining the road was slippery and we were going downhill. After crossing we mounr-tains we reached tumbling our thrd destination which was in Nepal. Over there is second largest monastery of aisa. So we went to Nepal also. And yes sandakphu it is at end of sikkim, Bengal and Nepal. After the brak we started for maneybhanjay. After reaching ther we took bus for going back to NJP coz we had to catch a train in the eveing from there for kolkata. From manneybhanjay we went to Mirik a hill station there we had our lunch and saw the scenic beauty over there. Then from there we srated for NJP which was 49 kms away from that place. In between we halted at river bank and did some fun there. And then at 6 o’clock in the eveing we reached NJP. Our train back home was at 7.40 pm. We arranged for dinner n all and waited there for sometime. N then we sat in the train tired like anything n desparately wanting to go back home.

While retrning to NJP and while going from NJP to maneybhanjay we saw lot of tea gardens on mountains i.r terarace framing. We were surrounded by mountains all over. It was great to see that. Such natural beauty is hard to see.

In conclusion I would say that the trip was thrilling and exciting. I wud say that this was a lifetime experience. I don’t think I will be able to go to this place second time. For a trip like this one needs lot of mental strength. And one should not go alone but go in a group to have fun. This kind of trip is for adventure lovers.

I have tried to put in words my experience of this trip, but how much I am successful I don’t know. I remembered u all while on this trip. And there only I decided to share my experience with all after returning. Did u all enjoyed reading the mail. I njoyd writing it. Before writing this mail I was felling very sleepy because I am very much tired. But after finishing it I am feeling refreshed.

Chalo bye TC

Eliz

Note:
Please pour in your comments and suggestions to improve my writing and grammatical capabilities.
This Mail was dated May 22, 2006, thought of sharing with you all, since it was a very memorable experience of Eliz.

Disclaimer: This post is from point of view of Elizabeth, if anyone feels hurt or disrespected by any post please revert back, Elizabeth will try to correct her ways of expressing. This is her first attempt to writing.

Regards,

Eliz
(Motto of Life - Mast Raho)

Experience of First E-Purchase

Experience of First E-Purchase

This is the last blog for the day (actually night).

Tina my friend, was searching for Telecom related book in the city book shops, but didn’t have a luck to find what she wanted.

She discussed this issue with her Boss, Mr. Shaumik and he suggested trying e-purchase. He actually helped her doing a google search as well, as Tina is very bad in search.

Tina came to her desk excited, that she can e-purchase, but thought lets google more (actually she was in backdrop of her mind affected by her husbands habit of propsepcting before buying) and found one site where she got a 15% discount, she became much more happy and enthusiastically completed the transaction on the site through netbanking.

She got so much excited that she bought another book through e-purchase.

If anyone needs help, we can get obliged by her help.

I have got another idea for post, so will write another bolg, so this will not be the last blog for the day.

Note: Please pour in your comments and suggestions to improve my writing and grammatical capabilities.

Disclaimer: This post is from point of view of Elizabeth, if anyone feels hurt or disrespected by any post please revert back, Elizabeth will try to correct her ways of expressing. This is her first attempt to writing.

Regards,

Eliz
(Motto of Life - Mast Raho)

Best Friend-The Sixth Jewel

Best Friend-The Sixth Jewel

This is the sixth jewel of Elizabeth’s life Mrs. Penelope.

You all must be wondering the sixth jewel coming before second, third, fourth and fifth.

Actually Penelope’s birthday is on 31st March, what a better way then writing a post on her Birthday. Please excuse me for my non systematic ways, but this occasion requires a special treatment. Don’t you all agree to me?

Let’s talk about Penelope.

Penelope and Elizabeth were in same school since Standard 4th, there real friendship started in Standard 9th and in no time they became best of friends.

Keep a note that we will be talking about one more friend in sometime to come. Suspense!!!!

The vibrant, beautiful, talented, talkative; this are the qualities of Penelope. She is the bestest friend Elizabeth can have.

They truly are best friends, they share there deepest secrets with each others. There is nothing about Elizabeth hidden from Penelope and there is nothing about Penelope hidden from Elizabeth. But they don’t mind to disagree and fight at times. They both have matured together and time have taken test of there friendship many a times.

Penelope’s First marriage anniversary has just passed so let’s Congratulate her on completing an Year of married life. Real Mammoth task I must say ;) we married people can only understand the same.

We talked about her anniversary, but I didn’t tell you about her Husband. Her Husband Mr. Tom, is a doctor by profession. There is a flashback required here J

Flashback: In year 1997 Tom took admission in there school. When Tom saw Penelope he immediately fell in love with her and obviously he should, who would not (I mean guys here, so don’t take me wrong.)

They got married in 2009, after lots of twists and turns.

Now they have become really matured.

Elizabeth has a great respect for Tom. I won’t talk about him here, we will talk about him some time later. He deserves a post for himself. J

Note: Please pour in your comments and suggestions to improve my writing and grammatical capabilities.

Disclaimer: This post is from point of view of Elizabeth, if anyone feels hurt or disrespected by any post please revert back, Elizabeth will try to correct her ways of expressing. This is her first attempt to writing.

Regards,

Eliz
(Motto of Life - Mast Raho)

Father-The First Jewel

Father-The First Jewel

This is the first entry in Elizabeth’s life after “GOD”- “Father”.

This is the first Jewel and the most important jewel in life of Elizabeth.

The word signifies Unconditional Love, Humanity, Contentment, Strength, Self dependence, sincerity, dedication, systemisation, Anger and what not for Elizabeth.

Father is the role model for Elizabeth. Without her father she cannot imagine if she could have done anything in life.

It doesn’t mean that there relationship is always happy, there are ups and downs in there life. There are fights, disagreements, but in end there is love – a father and daughter love (The most biased and pure love).

This post is a salute to Elizabeth’s father.

Let me clear one point; Elizabeth’s father is not a person who is out of this world, but he is a common person with common problems, MANGO PEOPLE. ;)

The best part is he is common but really uncommon in his ways, thinking and mannerisms.

Elizabeth loves and respects her father like anything.

Her father loves the hero - Albert and also in younger time looked like him; By the way the whole family loves Albert.

Stranger - He looked like?

Elizabeth – I know! He still looks like him, the difference is Albert is clean shaven and he has a beard.

The name is Alexander! The Alexander!

We will keep reading about Elizabeth’s and Alexander’s encounters as we progress.

Note: Please pour in your comments and suggestions to improve my writing and grammatical capabilities.

Disclaimer: This post is from point of view of Elizabeth, if anyone feels hurt or disrespected by any post please revert back, Elizabeth will try to correct her ways of expressing. This is her first attempt to writing.

Regards,

Eliz
(Motto of Life - Mast Raho)

Elizabeth Dreamz – The Story Starts

Elizabeth Dreamz – The Story Starts

In this Type of posts we will be talking about Elizabeth’s story. The people, experiences Elizabeth has in her journey of life.

We will be looking at Elizabeth’s life day by day.

Let me brief you there are ten GEMS in her life like Akbar had Navratan’s in his court. In the coming blogs we will keep knowing each character.

Following is the list of some important people in her life:

Name - Relation
Susssane - Grandmother
Alexander - Father

Annie - Mother

Martha - Aunt

Nancy - Sister

Penelope/Tom - Best Friend/Childhood friend and Penelope’s husband

Daniel - Grandfather

Victor - Father in Law

Maria - Mother in Law

Aaana - Sister in Law

This list just signifies how people sequentially came in Elizabeth’s life. We will keep adding to this list as and when required.

Oops I forgot to mention the Biggest Pillar of Elizabeth’s life i.e Sam (Her Husband). Actually I didn’t forget but kept it for last. ;) just to make him jealous.

Sam did you get jealous?

Note: Please pour in your comments and suggestions to improve my writing and grammatical capabilities.

Disclaimer: This post is from point of view of Elizabeth, if anyone feels hurt or disrespected by any post please revert back, Elizabeth will try to correct her ways of expressing. This is her first attempt to writing.

Regards,

Eliz
(Motto of Life - Mast Raho)

God Is in Everyone!

Namo Arihantam
Namo Siddhanam
Namo Aariyanam
Namo Uvajhayanam
Namo Loyesavsahunam
Aiso Panch Namo Karo
Sav Pav Padasno
Mangalananch Savesimh
Padman Hawai Mangalam

Disclaimer: This post is in words of Elizabeth, if anyone feels hurt or disrespected by any post please revert back, Elizabeth will try to correct her ways of expressing. This is her first attempt to writing.


Regards,

Eliz
(Motto of Life - Mast Raho)