A movement to create meaningful & productive opportunities for the sixty-plus

www.facebook.com/60PlusLifeA bimonthly newsletter of 60 Plus Life

For private circulation | Issue No. 3 | May 2014 | Editor: Uday Mawani | Design/Layout: Cosmic Media Services

It does not matter how slowly you go as long as you

do not stop

Strive not to be a success, but rather to be of value.

Sixties Talk

A ZILLION THANKS60 Plus Life is grateful to Jagat Shah for offering his precious time, office space and financial support to our not-for-profit organisation.

ContentsEditor's Note...

Where there's a WILL…...................I want to be in it!

Is this not how some of us, seniors perceive even a well-meant suggestion to make our Will? Don't we sometimes suspect ulterior motives when delicate Issues such as this are brought up by our near and dear ones?

For many of us seniors, life after 60 seems to become a life of uncertainty and insecurity, instead of it becoming a rewarding second innings, after having worked hard and contributed to the well-being of the family, and society in general. Most of us long for a post-retirement life that is free of worries, anxieties and tensions - a period of good health, wealth, knowledge and happiness.

Whilst the mission of 60PlusLife is to create meaningful and productive opportunities for seniors, the endeavour at 60PlusLife is also to create such an environment for its members, that empowers them to a life of good health, wealth, knowledge and happiness, both through regular activities, as well as through Sixties Talk. Through earlier Issues of Sixties Talk, we have reported the various regular activities, and have been carrying articles and information that have focussed on these four areas : Health(Sight-Screening & Audiometry Tests, as well as Health related information and Health Tips), Wealth (Seminars as well as articles on Will-making, Reverse Mortgage, Tax-Planning through Gifts, Insurance Adequacy), Knowledge (Articles of General Interest as well as reporting on State-of-the-Art Developments) & Happiness (Regular film-shows, Music performances as well as Humor through Sixties Talk).

Knowledge-sharing is done through Sixties Talk with the help of our members who are experts in their own fields, and provide Honorary as well as Professional help in their respective areas. Whilst a panel of such experts is already under compilation, we wish to acknowledge the contributions made by the following : Mr. Mahesh Kamdar (Homeopathy), Mr. Prakash Mandalia (Insurance Adequacy), Mr. Prakash Khambhat (WILL-making), Mr Pravin Gujarathi (Legal Issues), Mr G. M. Chouhan (Income Tax) and Mr . Kashyap Vachhrajani (Reverse Mortgage).

Sixties Talk also is a platform for members to express their creativity and share their meaningful thoughts, ideas as well as life-experiences. As a result of the enthusiastic participation by members, we have been able to progressively increase the size of Sixties Talk. Each Issue has been carrying Member Profiles as well, so that members get to know about each other, and perhaps benefit mutually.

Keep sharing your creativity, your thoughts, your experiences,And above all,

Stay Healthy, Wealthy, Updated, AND HAPPY

- Uday Mawani (Editor)

News & Events............................

Legal Rights of Parents & Senior Citizens.........................

Seniors & Insurance Adequacy.....................................

Homeopathy – An Alternative Medicine Therapy.........................

The Rule of 72.............................

Not yet 60....................................

Human Mysteries.........................

Grandma Remedies......................

Paraprosdokians...........................

Nivrutti ma Pravrutti....................

Expert Advice..............................

Energy and Positive Spirit...........

The Happy Old Man....................

How is Leela................................

Things that Successful People do Differently...............................

That Special Bond.......................

Spirit of A Man............................

Right Brained, or Left?................

Remembering Bob Hope.............

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The best time to plant a tree was 20 years ago. The second best time is now. 3

Sixties Talk

Will-Making in India is a very sensitive topic, even if an absolutely essential. A topic that people know very little about, and are often uncomfortable and unwilling to d i s c u s s . T h e r e e x i s t s a misconception that when somebody suggests the making of a Will, especially to an elder, the person must be eyeing the property of the elder. Shankar Pai, who has done substantial work on creating awareness on this topic says that these apprehensions disappear when h e t e l l s p e o p l e a b o u t t h e consequences of "not making a will".

With this in view, on 12th December 2013, a Knowledge-

sharing session was organised at Neha Hall, Navrangpura, for our members on the topic of Will-Making, where our o w n m e m b e r M r Prakash Khambhat, who is an expert on the s u b j e c t , m a d e a n impactful PowerPoint presentation covering the following in great

detail :Ÿ Meaning of a Will Ÿ Why make a WillŸ How to make a Valid WillŸ What property can be bequeathed

under a WillŸ Can a Will be altered Ÿ Registration of a WillŸ Execution of a Will

The session was attended by over 50 members who participated in a lively interactive session after Mr Khambhat's presentation, with many members sharing their experiences and many seeking guidance in their own context.

Seminar onWILL-Making

An evening of

Music

News & Events

On 22nd January 2014, members along with their families attended an evening of music organised by 60PlusLife jointly with Gujarat Expat Club, at the Polio Foundation Auditorium.

The main attraction of the evening was the eminent Award winning Classical singer and music scholar Srivani Jade, who lives in Seattle, USA. She treated the Audience to her versatile range of Khayal, Thumri and Bhajan performances. Some of her recitals on the day included "Aaj Soban Aye Ri Mayi, Lad Ladavan Re", "Bahot Din Bite Re", the very popular "Padharo Mara Desh Re", and the masterpiece of Mirabai "Maro Pranam Banke Bihari Ji"

Accompanying her on Tabla was Jajvalya Shukla and on Harmonium was Jagesh Jikar.

It was a memorable session for the Music loving members and families who were present.

On 8th February 2014, members with spouses were treated to the 1965 Masterpiece film "Guide" at the Sadvichar Parivar Hall. The f i l m , k n o w n f o r b e a u t i f u l cinematography, lovely music, spe l l -b ind ing s to ry l ine and unforgettable performances by Dev Anand and Waheeda Rehman brought back to our members old memories with many of them walking out of the hall after the film, feeling 40 years younger!

It has now been decided to have one such film show every month, and consider renaming ourselves to 60MinusLife…

If you are 60+ join

the 60Plus Movement

Nostalgia...

Prakash Khambhat

Ÿ ‘Senior Citizen' is any citizen of India of 60 years of age or above, whether living in India or not;

Ÿ ‘Parent' is father or mother even if not 60 years of age;

Ÿ ‘Children' are adult sons, daughters, g r a n d s o n s a n d granddaughters;

Ÿ ‘Relatives' are those who are either in possession of the property of the senior citizen or would inherit it.

Ÿ Parents who are unable to maintain themselves through their own earnings o r out of their own property may apply for maintenance from their adult children. This maintenance includes the provision of proper food, shelter,clothing and medical treatment.

Ÿ Parents include biological, adoptive and step mothers and fathers, whether senior citizens or not.

Ÿ A childless Senior Citizen who is sixty years and above, can also claim maintenance from relatives who are in possession of or are likely to inherit their property.

Ÿ This application for maintenance may be made by Senior Citizens themselves or they may authorize a person or voluntary organization to do so. The Tribunal may also take action on its own.

Ÿ Tribunals on receiving these applications may hold an enquiry or order the children/relatives to pay an

interim monthly allowance for the maintenance oftheir Parents or Senior Citizen.

Ÿ If the Tribunal is satisfied that children or relatives have neglected or refused to take care of their parents or Senior Citizen, it shall order them to provide a monthly maintenance amount, up to a m a x i m u m o f ` 10, 000 per month.

ŸThe State Government is required to set up one or more tribunals in every sub-division. It shall

also set up Appellate Tribunals in e v e r y district to hear the appeals of Senior Citizens against the decision of the Tribunals.

ŸNo legal practitioner is required or permitted for this process.

ŸErring persons are punishable with imprisonment up to three months or a

fine of up to rupees five thousand or with both.

ŸState Governments should set up at least one Old Age Home for every 150 beneficiaries in a

district. These homes are to provide Senior Citizens with minimum facilities such as food, clothing and recreational activities.

Ÿ All Government hospitals or those funded by the Government must provide beds for Senior Citizens as far as possible. Also, special queues to access medical facilities should be arranged for them.

Salient features of the Senior Citizens Act (2007)

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Sixties Talk

Send us your poem, humour piece, first-person account of a memorable experience

The traditional system prevailing in India, wherein elderly were respected not in the family but also in the society, they were held in high esteem, children felt their duty to serve them and seek their counseling for taking major decisions, has been eroded due to the rapid u r b a n i z a t i o n a n d t h e compulsion of modern working conditions resulting into the growth of small and nuclear families.

As the Children, being busy with their new lives, settle-down in other cities to earn their livelihood, are unable to look after their parents and the consequence is that the parents who were held in high esteem in the

family found themselves living alone. Many suffer from poverty, loneliness, n e g l e c t , a b u s e a n d abandonment and find it difficult to survive because their children are either unable or unwilling to maintain them. Parents have to cope single handedly, which is quite difficult considering their advanced age and limited earnings. The senior citizens are facing a number of problems in their advanced age. Thus, ageing has become a major social challenge and there is a need to give more attention to the care and protection for the older persons.

Though the parents can claim maintenance under the

Legal Rights ofParents Senior Citizens&

Code of Criminal Procedure, 1973, or under personal laws the procedure is time-consuming and expensive. Hence, there is need to have simple, inexpensive and speedy provisions to claim maintenance for parents.

Wi th t h i s a im the Government enacted

as an answer to the insecurities faced by older persons of the country.

the Senior Citizen Act in 2007 (Box Below)

Pavin Gujarathi

A s w e a l l k n o w, insurance is a sub system of o u r t o t a l f i n a n c i a l management and planning a n d t h u s a s s u m e s undoubtedly a very vital role and impacts directly on the total financial planning of an individual, a family, a business enterprise or a large manufacturing organization.

In order that proper and adequate compensation is recovered, the amount of insurance called “Sum Insured” has to be rightly chosen. The life insurance policy is the result of recognition of value of human life and thought in terms of regular savings and or loss of recurring income in case of unfortunate premature death of the assured. Non-life insurance policies are generally for a short term of one year. Under these policies too, the unforeseen eventualities are compensated as per terms of indemnity under the policy. In order that the losses are adequately compensated, the amount of insurance has to be adequate, which is termed in insurance parlance as "Adequacy of Insurance"

A d e q u a c y o f Insurance…Adequacy of Insurance is thus the fair amount of value of property as on date of buying insurance. This is

Seniorsand Insurance Adequacy

also called "Present day R e p l a c e m e n t o r Reinstatement value". As we know, day by day the cost of materials and labor keeps on increasing and in case of necessity to replace or repair i t , o n e h a s t o i n c u r necessarily the present day's cost. If suppose one has opted on book value or

m a r k e t v a l u e , t h e under insurance c lause applies which makes the compensation amount liable for deduction by an amount in the same proportion and resultantly, the losses are n o t a d e q u a t e l y compensated. Sum Insured on present day replacement value applies to most of p r o p e r t y i n s u r a n c e s , personal, domestic as well as industrial. Sum Insured under Auto insurance is governed by its Invoice price for first five years and then on depreciated/market value of the make and model of the automobile. In case of certain personal indemnity based insurances l ike Personal Accident Insurance and Mediclaim insurance, other factors like Income, age and present health conditions are relevantly considered. Thus in order to be adequately compensated, adequacy of sum insured of assured life/property is a pre requisite, otherwise in

the event of loss, one has to bear a sizeable portion of loss.

What cover can a Senior get….To Senior Citizens, some policies are available in life segment with restrictions in entry age. Like-wise, in non-life segment, in personal indemnity insurances like Personal Accident and Mediclaim Insurances, age is a very relevant factor and as such these risks are declined. However, in keeping in line with national policy for Senior Citizens, on their overall welfare, as also the regulators-IRDA- compulsions, almost every insurance company has launched a Mediclaim Policy for Senior Citizens with low sum insured. Thus it is advisable to keep mediclaim insurance policy from a young age with high sum insured adequate enough to recover expenses for a critical sickness with quality health care at the best health care institutes. In P e r s o n a l A c c i d e n t insurance, the gainful (active) income of person is the most deciding factor and generally in 60 plus age group persons, gainful income is almost nil and as such this insurance is declined risk for Senior C i t i z e n s . H o w e v e r , sometimes insurance is granted for a nominal sum insured with restricted benefits depending on individual merits.

So, dear all 60plus s e n i o r s , k e e p y o u r insurance plans/policies with adequate Sum Insured to get adequate indemnity of losses, and stay happy without a worry about the future.

We are setting up a Library for members; contribute books if you wish to

Prakash Mandalia

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Sixties Talk

Investments / Finance

CAMS - 1800 442 267

Chola Mutual Fund 1800 222 300

Easy IPO's - 3030 5757

Fidelity Investments 1800 180 8000

Franklin Templeton Fund 1800 425 4255

J M Morgan Stanley 1800 220 004

Kotak Mutual Fund 1800 222 626

LIC Housing Finance 1800 440 005

SBI Mutual Fund1800 223 040

Sharekhan-1800 227 500

Tata Mutual Fund 1800 220 101

Couriers / Packers & Movers

ABT Courier 1800 448 585

AFL Wizz - 1800 229 696

Agarwal Packers & Movers - 1800 114 321

Associated Packers P Ltd 1800 214 560

DHL - 1800 111 345

FedEx - 1800 226 161

Goel Packers & Movers 1800 11 3456

UPS - 1800 227 171

When we are sick and tired of being sick and tired, is when we desperately start th ink ing of changing d o c t o r s , c h a n g i n g medicines, trying whatever comes our way. When vulnerable, we are ready to take whatever advice comes our way. In order to make us better equipped to evaluate options, this article brings an insight into one Alternative M e d i c i n e T h e r a p y – Homeopathy.

What is alternative Medicine ?

The term Alternative Medicine means any system of medicine that is outside the mainstream of the western or the conventional system of medicine as practiced by a majority of doctors today. This term is loosely used to cover all systems of medicine except the allopathic system. In 1973, the Medical Faculty of the University of Rome convened the first World Congress of Alternative M e d i c i n e s a n d t h e p r o v i s i o n a l p r o g r a m contained no less than 135 therapies.

Alternative medicine exists in all cultures to some degree and terms such as t r a d i t i o n a l m e d i c i n e , indigenous medicine or folk medicine etc. are used to describe such practices. These medicines date back hundreds or even thousands of years depending on the c o u n t r y a n d c u l t u r e concerned.

The most popular forms of alternative medicine are Ayurveda, Homeopathy, N a t u r o p a t h y , Yo g a , Acupuncture, Acupressure, Magneto therapy, Shiatsu, Herbalism, Meditation, Aromatherapy, Bach Flower

Remedies, Chromo therapy, Diet therapy, Hydropathy and Reiki.

What is homeopathy?H o m e o p a t h y , o r

homeopathic medicine, is a medical philosophy and practice based on the idea that the body has the ability to heal itself. Homeopathy was founded in the late 1700s in Germany and has been widely practiced t h r o u g h o u t E u r o p e . Homeopathic medicine views symptoms of illness as normal responses of the body as it attempts to regain health.

Homeopathy is based on the idea that "Like cures Like." That is, if a substance causes a symptom in a healthy person, giving the person a very small amount of the same substance may cure the illness. In theory, a homeopathic dose enhances the body's normal healing a n d s e l f - r e g u l a t o r y processes.

A homeopathic health practitioner (homeopath) uses pills or liquid mixtures (solutions) containing only a little of an active ingredient (usually a plant or mineral) for treatment of disease. These are known as highly diluted or "potentiated" substances. There is some evidence to show that homeopathic medicines may have helpful effects.

What is homeopathy used for?

Historically, people have u s e d h o m e o p a t h y t o maintain health and treat a wide range of long-term illnesses, such as allergies, a t o p i c d e r m a t i t i s , rheumatoid arthritis, and irritable bowel syndrome. They have also used it to treat minor injuries, such as

cuts and scrapes and muscle s t r a i n s o r s p r a i n s . Homeopathic treatment is not considered appropriate for illnesses, such as cancer, h e a r t d i s e a s e , m a j o r infections, or emergencies.Homeopathy has been widely used in India, E n g l a n d , a n d o t h e r European countries.

Is homeopathy safe?Homeopathic remedies

have been regulated in the United States since 1938 and are considered to be safe.

S o m e c r i t i c s o f homeopathy believe that there is so little active substance in a solution that any benefits from treatment are likely not because of the substance but because you are thinking it is effective (placebo effect).

S u p p o r t e r s o f homeopathy believe that a l though homeopathic solutions are highly diluted, they contain a "memory" of the substance in water. The b o d y r e c o g n i z e s t h e substance and reacts to it. Studies have tr ied to determine whether effects f r o m h o m e o p a t h i c treatments are placebo or whether some other action occurs. Although these

studies could not identify how homeopathic solutions work, there was evidence that homeopathic dilutions differ from placebos.

It is important to tell your medical doctor if you decide t o u s e h o m e o p a t h i c remedies. He or she should have full knowledge of your health to help you make wise decisions about where to purchase homeopathic d i l u t i o n s a n d w h a t homeopathic practitioner to see. Homeopathic remedies s h o u l d n o t r e p l a c e conventional treatments for serious health concerns as well as surgical correction whenever required.

Homeopathic Remedies are manufactured in a manner that it does not render them toxic. There are no side effects. Homeopathy is a system of medicine that uses natural substances. These natural substances come from the Mineral, Vegetable and Animal Kingdom.

T h e H o m e o p a t h i c system of medicine is one of the finest systems of cure available to Mankind. It achieves in totality the Ideal laid down by its originator

Homeopathy

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Sixties Talk

…an Alternative Medicine Therapy

Cont... Page No. 12

Mahesh Kamdar

The idea is to die young… as LATE as possible

If you divide the number 72 by the rate of interest, you get to know the number of years it will take for you to double the money. 72 is a magic number of personal finance, also known as the rule of 72 in personal finance parlance. All you need to do is a quick calculation (mentally if you know fifth grade math tables) and you can verify, if the cheeky agent is giving you hogwash.

*Years:* If you divide the number 72 by the rate of interest, you get to know the number of years it will take for you to double the money. For instance, if the rate of interest is 9%, simply divide the number 72 by 9% and the answer is eight. This is the number of years it will take to double your money if you invest it at 9% rate of interest.

*Interest:* This rule works in reverse order as well. Let us say, you know the number of years you want to double your money in, and want to know the minimum rate of interest which you need, to achieve that goal.

So let's say, you have Rs 2.5 lakh today and need to fund your son's college education with Rs 5 lakh in five years. Just divide the number 72 by 5 and the answer is 14.41%. This shows that you will need to invest your money in an instrument where you earn at least 14.4% as rate of interest, if you want to double the funds in five years.

The Rule of72

*Inflation:* This rule also helps you understand a thing or two about inflation. It helps you calculate the amount of time it will take for inflation to make the real value of money half. So, let’s say that the average inflation is 7%. When you divide 72 by 7, the answer is 10.28. So, if you have ` 1 lakh in your kitty today, it would take around 10.28 year for the value of the money to be halved.

Keep in mind, that this is a rule of thumb and can be used to get a rough results on money related calculations. Now that you know a little more about the number 72 and its rule, use it while dealing with your agents for quick verification of facts.

Also note the heart beats 72 times in a minute.

Sixties Talk

7Sixties Talk Advocates Welfare Issues of Seniors

B a n k e r, Te a c h e r, A u d i t o r, Housewife, Mother to two sons, trained in Bharatanatyam, loves cooking, not-yet-60-but-retired, Executive Council Member 60PlusLife.. That is Rekha Dave for you.

Though not yet 60, she joined 60PlusLife because she had taken retirement from a Nationalised Bank and wanted to get involved with activities of Seniors at 60PlusLife, and soon after joining she was inducted in the Executive Council of 60PlusLife. Since joining, she has been making commendable effort at motivating senior women to join the organisation and make their Second Innings more fruitful for themselves and the society at large.

Having received her primary education in Solapur, in Marathi medium, she completed her schooling as well as college education in Ahmedabad from where she completed her graduation in Commerce, and then got herself an LLB Degree.

She has always loved a busy and hectic life. By 20 she was already

employed at a Nationalised Bank where she worked until 2001, when she took Voluntary Retirement to spend quality time with her family and to pursue her other interests. She says "Initial years of my service were hectic, balancing personal life & professional life. During this span of life I faced many problems & learnt how to tackle them. My sons are very close to my heart. As they grew up to their teenage, I opted for Voluntary Retirement offered by my Bank in January 2001, so that I could concentrate on their health and studies. Twenty years serving the

Bank was a real memorable journey"Her family consists of her husband

and two sons, and she hopes to spend good quality time with the family, and keep herself busy, learn newer things and to travel. Since her early retirement, besides concentrating on her family, she has given tuitions to students upto class VII, she has taught Gujarati & Hindi to NRIs and foreigners and has been engaged by a Chartered Accountant Firm in doing concurrent Audit of a Bank.

A Happy, Busy , Eventful Life, is what we all wish her.

Not yet 60 at 60PlusLife

Happy Grandparenting…

We all have memorable experiences with grandchildren : sometimes entertaining, sometimes crafty, sometimes truly thought-provokingly original. Do share such experiences for selected ones to be published with your photograph with the grandchild.

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Sixties Talk

The Human Body is a treasure trove of mysteries -- one that still confounds doctors and scientists about the details of its working. It's not an overstatement to say that every part of your body is a miracle. Here are 50 facts about your body, some of which may leave you stunned.

1. It's possible for your body to survive without a surprisingly large fraction of its internal organs. Even if you lose your stomach, your spleen, 75% of your liver, 80% of your intestines, one kidney, one lung, and virtually every organ from your pelvic and groin area, you wouldn't be very healthy, but you would live.

2. During your lifetime, you will produce enough saliva to fill two swimming pools. Actually, Saliva is more important than you realize. If your saliva cannot dissolve something, you cannot taste it.

3. The largest cell in the human body is the female egg. The egg itself is only the size of a full-stop/period and the smallest is the male sperm. The egg is actually the only cell in the body that is visible by the naked eye.

4. The strongest muscle in the human body is the tongue and the hardest bone is the jawbone.

5. Human feet have 52 bones, accounting for one quarter of all the human body's bones.

6. Feet have 500,000 sweat glands and can produce more than a pint of sweat a day.

7. The acid in your stomach is strong enough to dissolve razor blades. The reason it doesn't eat away at your stomach is that the cells of your stomach wall renew themselves so frequently that you get a new stomach lining every three to four days.

8. The human lungs contain

approximately 2,400 kms. of airways and 300 to 500 million hollow cavities, having a total surface area of about 70 square meters, roughly the same area as one side of a tennis court. Furthermore, if all of the capillaries that surround the lung cavities were unwound and laid end to end, they would extend for about 992 kilometers. Also, your left lung is smaller than your right lung to make room for your heart.

9. Sneezes regularly exceed 100 mph, while coughs clock in at about 60 mph.

10. Your body gives off enough heat in 30 minutes to bring half a gallon of water to a boil.

11. Your body has enough iron in it to make a nail 3 inches long.

12. Earwax production is necessary for good ear health. It protects the delicate inner ear from bacteria, fungus, dirt and even insects. It also cleans and lubricates the ear canal.

13. Everyone has a unique smell, except for identical twins, who smell the same.

14. Your teeth start growing 6 months before you are born. This is why one out of every 2,000 newborn infants has a tooth when they are born

15. A baby's head is one-quarter of its total length, but by the age of 25 will only be one-eighth of its total length. This is because people's heads grow at a much slower rate than the rest of their bodies.

16. Babies are born with 300 bones, but by adulthood the number is reduced to 206. Some of the bones, like skull bones, get fused into each other, bringing down the total number.

17. It is not possible to tickle yourself. This is because when

you attempt to tickle yourself you are totally aware of the exact time and manner in which the tickling will occur, unlike when someone else tickles you.

18. Less than one third of the human race has 20-20 vision. This means that two out of three people cannot see perfectly.

19. Your nose can remember 50,000 different scents. But if you are a woman, you are a better smeller than men, and will remain a better smeller throughout your life.

20. The human body is estimated to have 60,000 miles of blood vessels.

21. The three things pregnant women dream most of during their first trimester are frogs, worms and potted plants. Scientists have no idea why this is so, but attribute it to the g rowing imba lance o f hormones in the body during pregnancy.(this may not apply uniformly to inhabitants of all countries)

22. The life span of a human hair is 3 to 7 years on average. Every day the average person loses 60-100 strands of hair. But don't worry; you must lose over 50% of your scalp hairs before it is apparent to anyone.

23. The human brain cell can hold 5 times as much i n f o r m a t i o n a s a n encyclopedia. Your brain uses 20% of the oxygen that enters your bloodstream, and is itself made up of 80% water. Though it interprets pain signals from the rest of the body, the brain itself cannot feel pain.

24. The tooth is the only part of the human body that can't

repair itself.

25. Your eyes are always the same size from birth but your nose and ears never stop growing.

26. By 60 years of age, 60% of men and 40% of women will snore.

27. We are about 1 cm taller in the morning than in the evening, because during normal activities during the day, the cartilage in our knees and other areas slowly compress.

28. The brain operates on the same amount of power as 10-watt light bulb, even while you are sleeping. In fact, the brain is much more active at night than during the day.

29. Nerve impulses to and from the brain travel as fast as 170 miles per hour. Neurons continue to grow throughout human life. Information travels at different speeds within different types of neurons.

30. It is a fact that people who dream more often and more vividly, on an average have a higher Intelligence Quotient.

31. The fastest growing nail is on the middle finger.

32. Facial hair grows faster than any other hair on the body. This is true for men as well as women.

33. There are as many hairs per square inch on your body as a chimpanzee.

34. A human fetus acquires fingerprints at the age of three months.

35. By the age of 60, most people will have lost about

Human MysteriesYou Should Know About!

Dreaming, after all, is a form of planning

Cont... Page No. 15

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Sixties Talk

It does not matter how slowly you go as long as you do not stop.

1. If you've got an itch in your throat, scratch your ear. When the nerves in the ear get stimulated, they create a reflex in the throat that causes a muscle spasm, which cures the itch.

2. Having trouble hearing someone at a party or on the phone? Use your right ear; it is better at picking up rapid speech. The left ear is better at picking up music tones.

3. If you need to relieve yourself BADLY, but you're not anywhere near a bathroom, fantasize about R E L AT I O N S . T h a t preoccupies your brain and distracts it.

4. Next time the doctor's going to give you an injection, COUGH as the needle is going in. The cough raises the level of pressure in your spinal

GRANDMAcanal, which limits the pain sensation as it tries to travel to your brain.

5. Clear a stuffed nose or relieve sinus pressure by pushing your tongue against the roof of your mouth then pressing a finger between your eyebrows. Repeat that for 20 seconds; it loosens your congestion and clears you up.

6. If you ate a big meal and you're feeling full as you go to sleep, lay on your left side. That'll keep you from suffering from acid reflux. It keeps your stomach lower than your esophagus, which will help keep stomach acid from sliding up your throat.

7. You can stop a toothache by rubbing ice on the back of your hand, on the webbed

Remediesarea between your thumb and index finger. The nerve pathways there stimulate a part of the brain that blocks pain signals from your mouth.

8. If you get all messed up on liquor, and the room starts spinning, put your h a n d o n s o m e t h i n g stable. The reason : Alcohol dilutes the blood in the part of your ear called the cupula, which regulates balance. Putting your hand on something stable gives your brain another reference point, which will help make the world stop spinning.

(Disclaimer : Editor has had the opportunity to try only Remedy #6 once and found relief).

PARAPROSDOKIANS are something Winston Churchill dearly loved. It is a figure of speech in which the latter part of a sentence or phrase is surprising or unexpected and with much pungent wit.

Here are some classic examples.

Do not argue with an idiot. He will drag you down to his level and beat you with experience.

The last thing I want to do is hurt you. But it's still on my list.

Light travels faster than sound. This is why some people appear bright until you hear them speak.

If I agreed with you, we'd both be wrong.

We never really grow up; we only learn how to act in public.

War does not determine who is right – only who is

left.Knowledge is knowing a

tomato is a fruit. Wisdom is not putting it in a fruit salad.

Evening news is where they begin with 'Good Evening,'and then proceed to tell you why it isn't.

To steal ideas from one person is plagiarism. To steal from many is research.

A bus station is where a bus stops. A train station is where a train stops. On my desk, I have a work station.

I thought I wanted a career. Turns out I just wanted paychecks.

Whenever I fill out an application, in the part that says,'In case of emergency, notify:' I put 'DOCTOR.'

I didn't say it was your fault, I said I was blaming you.

Women will never be equal to men until they can walk down the streetwith a

bald head and a beer gut, and still think they are sexy.

Behind every successful

man is his woman. Behind the fall of a successful man is usually another woman.

A clear conscience is the sign of a fuzzy memory.

You do not need a parachute to skydive. You only need a parachute to skydive twice.

M o n e y c a n ' t b u y happiness, but it sure makes misery easier to live with.

There's a fine l ine between cuddling and holding someone down so they can't get away.

I used to be indecisive. Now I'm not so sure.

You're never too old to learn something stupid.

To be sure of hitting the target, shoot first and call whatever you hit the target.

Nostalgia isn't what it used to be.

Change is inevitable, except from a vending machine.

Going to church doesn't make you a Christian any more than standing in a garage makes you a car.

Where there's a will, there-are relatives.

Take your time , we have got all evening.

If I Agreed With You, We'd both be wrong!(Do you agree with this?)

This has been the motto of Deepak and Manjari Buch, ever since they retired. In the words of Deepak Buch, who retired as Deputy General Manager from Gujarat State Finance Corporation, "Retirement should mean not a cessation of activity; but a change of activity with a more complete giving of our life to service . It should therefore be the most wonderful time of our life-the time when we are happily and meaningfully busy ".

This motto in mind, the Buch couple was contemplating as to what activity they could undertake post-r e t i r e m e n t , w h e n a c h a n c e conversation with their household help about her ch i ldrens ' education revealed to them a shocking reality. Many children were unable to continue their education because of lack of proper guidance and finance.

"We therefore decided to give Free Coaching to the school going children. Soon many poor children from the nearby localities and slums started coming", says Deepakbhai.

Thus began Dada-Dadi ni Vidya Parab, on the Auspicious Day of RATH-YATRA in the year 2005. Since then, more than a hundred children of sweepers, labourers, security guards, lorry pullers, drivers, house maids etc. are getting free coaching from the couple at their residence.

The name : Dada-Dadi ni Vidya Parab: (DDVP)

"Dada-Dadi ni Vidya Parab" is a place to quench childrens' thirst for knowledge, education and good culture in the laps of Dada-Dadi. "Parab" is a place where water is distributed free of charge to any passer-by, particularly in hot summer; a "Parab" is like heaven to quench the thirst to move ahead.

DDVP is a place where Free Education (Tuition) is given to poor, underprivileged students to move ahead in life. Without this free guidance, many of these children would have had to drop out just after the primary education. But because of the dedication of Dada-Dadi, these children have been able to proceed for higher studies. The Buch couple plays a dual role, that of grandparents as also mentors for these children coming from socially and economically backward backgrounds.

Activities at the Vidhya Parab :Free coaching is given to the

children studying in Standard 3rd onwards. Tuitions are given in morning, noon and evening sessions. Study materials are provided free of cost to all the students. Through donations, attempts are also made to equip these children with bicycles, to facilitate their transportation.

Teaching Values of Life :"The education we impart does

focus on the marks to be scored in their exams, but that's not our only goal. Apart from free education, many other good activities are done to provide better knowledge and cultural values to t h e c h i l d r e n c o m i n g f r o m

Economically Backward Families. These help them to become good citizens of the future. WE believe that it is rather easier to make computer than to mould a person into a good human being", says Deepakbhai. "We teach the children ethical values, helping each other, speaking truth, to keeping good hygiene, saving the environment etc. These are very important aspects for the children."

A library has been developed to cultivate the reading habits among the students. Occasionally, outside field trips are also organized so these children can get opportunity to see the outside world and also enjoy

themselves being together, which otherwise is beyond the dreams of these c h i l d r e n . P r o m i n e n t persons from different fields are invited to address the students so that they get first-hand knowledge of various fields as also gain g e n e r a l k n o w l e d g e . Financial help for medical treatment to the students for common illness and at times grocery items to the n e e d y f a m i l i e s a r e provided with the help of

donors.It is a matter of great satisfaction to

the Dada-Dadi couple to already see six of their students studying Engineering and BCA courses. This gives them greater hope that many more will follow. Besides being acknowledged by both, the print as well as electronic media, Dada-Dadi have been felicitated with the "DHARTI-RATNA" by Ashirvad Education Trust, Ahmedabad, in the year 2011 at the hands of Smt. Kamalaji Benival, Governor of Gujarat.

10

Sixties Talk

“Nivrutti ma Pravrutti”Activity in Retirement

It is never too late to be what you might have been.

(j) any property, other than immovable property The tax planning one can do is by giving gift. 'Gift' reduces one's Capital, which will reduce one's income and thereby reduction in tax liability as well as change of tax rate slabs. Through proper tax planning by way of gift, wealth tax can also be saved. Suppose Mr. X owns two residential properties, he would be subject to wealth tax on one of the properties. If Mr. X gives gift of one of the properties to a relative, he can save wealth tax on gifted property.

Since total income consists of five heads of income, simple calculation or example for tax planning is not possible. However, the below mentioned table will suffice for a clear understanding and calculation for tax planning.

The clubbing provision contained in section 64 also has to be taken into consideration before planning gift. If you give gift to your spouse or minor child, income earned out of said gift would be taxable in the hands of donor. In such circumstances, gift if invested in investment giving tax free income like PPF, LIC, Tax free bonds etc will not create any problem as income earned out of gift is not taxable and hence, clubbing provisions has no impact on taxability.

To overcome the problem of security of funds, one can give interest free loan to a son/daughter/ son-in-law, daughter-in-law/ spouse etc and can save the tax if the donee is in lower tax bracket as compared to donor. In such circumstances loan may be interest free but supported by Promissory note and post dated cheque by which one can secure the funds and can have criminal proceedings possible instead of civil proceedings.

Tax planning exercise should be done after taking into consideration tax saved, tax provisions for taxability of gift, clubbing provisions, future requirements, social bonding between donor and donee etc., stamp duty and registration fees on stamp duty valuations of immovable property. Gift is good tax planning tool but it is to be used keeping in mind safety of funds and comparative cost benefits which includes paper work for gift transaction.

Gift deed should provide the details like name, age, address of donor and donee, the details of property/asset gifted, date of gift, whether gift is revocable or irrevocable, gift is out of love and affection, relationship between donor and donee, gift is un conditionally accepted by donee, place and date etc. In the context of 'Gift' I would like to advice to consult legal experts.

Personally I will not advise to part with your hard earn funds at the sunset of your life, where there are possibilities that the funds cannot be retrieved at all or cannot be retrieved when they will be needed the most.

Question: - I want to know about the tax planning by way of offering or receiving gift. Pl. enlighten me from Income tax point of view; Answer : The Expenditure on Gift/donation is an allowable deduction u/s 80G. The Gifts not covered by the provisions contained in above referred sections are not allowable expenses. However the gift made for business promotion is an allowable expense. Since most of the members of 60Plus life are not dealing in any sort of business or profession, they cannot claim gift as an allowable expense.

The next part is income by way of 'Gift'. Where any sum of money, the aggregate value of which exceeds ` 50,000/-, is received without consideration, by an individual or a Hindu Undivided Family, in any previous year from any person or persons, the whole of the aggregate value of such sum will be considered as income of the recipient.

This clause shall not apply to any sum of money received—(a) from any relative; i.e.

(I) spouse of the individual; (ii) brother or sister of the individual;(iii) brother or sister of the spouse of the

individual;(iv) brother or sister of either of the parents of the

individual; (v) any lineal ascendant or descendant of the

individual;(vi) any lineal ascendant or descendant of the

spouse of the individual;(vii) spouse of the person referred to in clauses (ii) to (vi);] or

(b) on the occasion of the marriage of the individual; or(c) under a will or by way of inheritance; or(d) in contemplation of death of the payer; or(e) from any local authority i.e. any Panchayat,

Municipality, Cantonment board etc.(as defined in the Explanation to clause 10(20)) or

(f) from any fund or foundation or university or other educational institution or hospital or other medical institution or any trust or institution referred to in clause 10 (23C) or

(g) from any trust or institution registered under section 12AA of Income tax Act.(i) any immovable property and

11

Sixties Talk

Income tax provisions on "Gift"

Total Income Rate of tax Rate of tax (Senior Citizen) (Senior Citizen)

Not exceeding ` 2,50,000 Nil NilBetween 2,50,000 & 5,00,000 10% of amount by which

income exceeds ` 2,50,000

Between 5,00,000 & ` 25,000 + 20% of 20% of amount by which 10,00,000 amount by which income income exceeds

exceeds ` 5,00,000 ` 5,00,000

Above ` 10,00,000 ` 1,25,000 + 30% of ` 1,00,000 + 30% of amount amount by which by which income exceeds income exceeds ` 10,00,000 `10,00,000

Limitations live only in our minds.

G. M. Chouhan

A balding, white haired man walked into a jewelry store this past Friday evening with a beautiful young garl at his side.

He told the jeweler he was looking for a special ring for his girlfriend. The jeweler looked through his stock and brought out a ` 1 lac ring.

The man said, 'No, I'd like to see something more special.’

At that statement, the jeweler went to his special stock and brought another ring over. 'Here's a stunning ring at only ‘` 4 lac’ the jeweler said. The lady's eyes sparkled and her who le body t r embled wi th excitement. The old man seeing this said, 'We'll take it.’

The jeweler asked how the payment would be made and the man stated, "By cheque. I know you need to make sure my cheque is good, so I'll write it now and you can call the bank Monday to verify the funds, and I'll pick the ring up Monday afternoon.”

On Monday morning, the jeweler angrily phoned the old man and said: 'There's no money in that account.’

'I know,' said the old man,'But let me tell you about MY

GREAT WEEKEND!'

Grandmother telephoned the local Hospital.

She timidly asked, "Is it possible to speak to someone who can tell me how a patient is doing?"

The operator said, "I'll be glad to help, dear. What's the name and room number of the patient?"

The grandmother in her weak, tremulous voice said, "Leela Shah, Room 302."

The operator replied, "Let me put you on hold while I check with the nurse's station for that room."

After a few minutes, the operator returned to the phone and said, "I have good news. Her nurse just told me that Leela is doing well. Her blood pressure is fine; her blood tests just came back normal and her Physician, Dr. Mitra, has scheduled her to be discharged tomorrow."

The grandmother said, "Thank you. That's wonderful. I was so worried. God bless you for the good News.”

The operator replied, "You're more than welcome. Is Leela your daughter?”

Grandmother said, "No, I'm Leela Shah in Room 302. No one tells me "*#@&."

(Based on a true story; names changed)

Talented, multi-faceted Dr Dipti Sethi has spent almost three decades of her hectic life in teaching, training and consulting, besides having done conceptual research, action research & impact research in the corporate as well as the social development sectors. In the process she has covered wide-ranging areas like Education, Organisation Development & Human Resource Management.

Having completed a Fel low Programme from Indian Institute of Management, Ahmedabad, has helped her hone her knowledge/skills/attitude towards being a multi-dimensional, dynamic personality, believes Dr Dipti Sethi. This has helped her developing a keen interest in process related issues in the society at large. She is particularly interested in Women's Empowerment processes & dynamics.

She Has had a fulfilling married life , and has 2 lively adult children -a son & a daughter - who are pursuing their self-chosen careers in Managing Education & Design, in Banglore and in Delhi.

Dipti Sethi, as she enters the 6th decade of her life this September, is interested to share her vast and varied experience, her energy & positive spirit with fellow 60PlusLifers to help create a joyful ambience in their reality, & have mutually meaningful association with the organisation.

12

Sixties Talk

The Happy Old Man...

You miss 100% of the shots you don't take.

Energy and Positive Spirit for 60PlusLife

HOW IS LEELA?

Dr. Samuel Hahnemann.."The highest Ideal of cure is rapid, gentle and permanent restoration of the

health, or removal and annihilation of the disease in its whole extent, in the shortest, most reliable and most harmless way, on easily comprehensible principles" says Dr. Hahnemann.

Metals like gold, silver, platinum and minerals like sulphur, arsenic and antimony have all been made to serve the mission of homeopathy. Substances available in the herbal, mineral or animal kingdom have been transformed by potencization into invaluable medicines for acute as well chronic problems.

Always tell your doctor if you are using an alternative therapy or if you are thinking about combining an alternative therapy with your conventional medical treatment. It may not be safe to forgo your conventional medical treatment and rely only on an alternative therapy.

Homeopathy...

Sixties Talk

1. Get specificWhen you set yourself a goal, try to be as specific as possible. "Lose 5 kgs" is a specifdic goal; not "lose some weight". Also, think about the specific actions that need to be taken to reach your goal. Just promising you'll "eat less" or "sleep more" is too vague; "I'll be in bed by 10pm on weeknights" is specific.

2. Seize the moment to act on your goals. To seize the moment, decide when and where you will take each action you want to take, in advance. Again, be as specific as possible (e.g., "If it's Monday, Wednesday, or Friday, I'll work out for 30 minutes before work.") Studies show that this kind of planning will help your brain to detect and seize the opportunity when it arises, increasing your chances of success by roughly 300%.

3. Monitor your progressAchieving any goal also requires honest and regular monitoring of your progress. This will allow midstream corrections if required

4. Be a realistic optimist. When you are setting a goal, by all means engage in lots of positive thinking about how likely you are to achieve it. Believing in your ability to succeed is enormously helpful for creat ing and sustaining your motivation. But whatever you do, don't underestimate how difficult it will be to reach your goal. Most goals worth achieving require time, planning, effort, and persistence.

Studies show that by thinking things through will come to you easily and effortlessly, but lack of planning leaves you ill-prepared for the journey ahead, and significantly increases the odds of failure.

5. Focus on getting better, rather than being good. Many of us believe that our intelligence, our personality, and our physical aptitudes are fixed — that no matter what we do, we won't improve. As a result, we focus on fixed goals. Embracing the fact that you can change will allow you to make better choices, and reach your fullest potential. People whose goals are about getting better, rather than being good, take difficulty in stride, and appreciate the journey as much as the destination.

6. Have gritGrit is a willingness to commit to long-term goals, and to persist in the face of difficulty.. People who lack grit more often than not believe that they just don't have the innate abilities successful people have.

7. Build your willpower muscle.Your self-control "muscle" is just like the other muscles in your body — when it doesn't get much exercise, it becomes weaker over time. But when you give it regular workouts by putting it to good use, it will grow stronger and stronger, and better able to help you successfully reach your goals.To build willpower, take on a challenge that requires you to do

something you'd honestly rather not do. Give up high-fat snacks, do 100 sit-ups a day, stand up straight when you catch yourself slouching, try to learn a new skill. When you find yourself wanting to give in, give up, or just not bother don't. Start with just one activity, and make a plan for how you will deal with troubles when they occur ("If I have a craving for a snack, I will eat one piece of fresh or three pieces of dried fruit.") It will be hard in the beginning, but it will get easier, and that's the whole point. As your strength grows, you can take on more challenges and step-up your self-control workout.

8. Don't tempt fateNo matter how strong your willpower muscle becomes, it's important to always respect the fact that it is limited, and if you overtax it you will temporarily run out of steam. Don't try to take on two challenging tasks at once, if you can help it (like quitting smoking and dieting at the same time). And don't put yourself in harm's way — many people are overly-confident in their ability to resist temptation, and as a result they put themselves in situations where temptations abound. Successful people know not to make reaching a goal harder than it already is.

9. Focus on what you will do, not what you do. Do you want to successfully lose weight, quit smoking, or put a lid on your bad temper? Then plan how you

Things that successful people

do differently

Cont... Page No. 14

MEDITATE – it helps us live in the present moment 13

I can remember well when I was a kid of 3-4 years, my grand father used to take me to watch the fire-works and burning of effigies of Ravan, Kumbhkanan and Meghnath on Dessara. He used to carry me on his shoulders, so that I could watch the entire scene of the effigy-burning very clearly, perched on his shoulders. At the age of 65, it was not comfortable to carry so much load on his shoulders, but it was his affection for his grandson that gave him both, the strength as well as pleasure, rather than pain. I still remember this annual ritual very well. I remember having asked him why those effigies were being burnt, and also remember what he told me : Ravan, Meghnath and Kumbhkaran were bad men inflicting pain and suffering to people. Therefore they were burnt on Dassera to celebrate victory of goodness over evil. All such learnings I inherited from my grandparents, I acquired through pleasurable activities with them and have remained with me through my life.

Now I realize when I am a grand parent that we as grand parents can, and should play an important role in the character building of our grand children, through engaging ourselves in activity that brings joy to our grandchildren as well as to ourselves.

Society is passing through testing times and increasing crimes and it is frightening that young educated children from educated families are sometimes involved in these crimes, whether it is crimes against women, kidnapping, murder, rapes, etc. Crime rate by juveniles is increasing year after year. This only means that our children need to be engaged in fun activities that are also meaningful and character-building, to keep them away from undesirable influences.

Today, both parents are often working and they are not in a position to devote much time with their children. The grandparents have time on their hands, a wealth of experience to share, tons of love for the grandchildren, and above all, the special bond between grandparents & grandchildren and the charm that dissolves all Generation Gap. We have all witnessed the comfort grandchildren enjoy with their grandparents whilst listening to stories, playing games and going for outings.

It is a win-win situation. As grandparents our time is fruitfully spent, we derive pleasure from seeing our grandchildren happy, at the same time, we derive satisfaction that we are helping shape their Value System and their future. My personal experience is, nowadays when I tell a story to my grandson, he himself tells me what he thinks the Moral of the story is, and we have a good discussion!

Sixties Talk

That Special Bond

Life is what happens to you while you're busy making other plans.

Oh! The almighty NATURECan I call you GOD?

YOU did not provide methe necessary Tools & Equipment to Survive!

But gifted me-the only Animal with the most precious Gift

my mind with its capacity to overcome!

YOU did not provide methe Fur to combat the cold

So I invented clothing!Claws and teeth to prey

So I invented ToolsYOU left me in the cold to face the fury

So I invented Shelter

Inventing, Overcoming problems has become my second Nature

From Survival to Conquest was obvious outcomeAnd now that having conquered you,

I don't care for you

Tomorrow YOU may not provide meNecessary FoodI shall invent it

Necessary WaterI shall invent Alternative

Necessary OxygenI shall survive

I shall not only survive, but completely rule over you!

Spirit of Man

Things that successful people...

will replace bad habits with good ones, rather than focusing only on the bad habits themselves. Research on thought suppression (e.g., "Don't think about white bears!") has shown that trying to avoid a thought makes it even more active in your mind. The same holds true when it comes to behavior by trying not to engage in a bad habit, our habits get strengthened rather than broken.

If you want to change your ways, ask yourself, What will I do instead? For example, if you are trying to gain control of your temper and stop flying off the handle, you might make a plan like "If I am starting to feel angry, then I will take three deep breaths to calm down." By using deep breathing as a replacement for giving in to your anger, your bad habit will get worn away over time until it disappears completely.

Hope this checklist helps you to help and mentor youngsters in your life on their paths to success.

14

Mradul Kumar Kulshrestha Architect A V Joshi

Issue IV will start receiving advertisements; procure ads and be rewarded

Sixties Talk

This picture will show when you are using your Right or Left side of your brain. If you see the picture exactly as it is, you are using the left side. When you stare you will see the figure shift; and you will be using your right brain. You can even switch back and forth. Stare ---to go to Right brain (it sort of trances you out or puts you in an altered NON T H I N K I N G s t a t e ) .Begin thinking and reasoning about it and you will move back out of the altered state into Left brain thinking.. You will enjoy this if you are using the right side of your brain, Stare at this picture and you will see this man turn his face.

We all remember Bob Hope, who turned 100 in 2003 (1903-2003). It is

ten years since he died, but his wit and humor is still remembered. A sample :

ON TURNING 70

'I still chase women, but onlyDownhill.

ON TURNING 80‘That's the time of your life when even

your birthday suit needs pressing.'ON TURNING 90

'You know you're getting old when the candles cost more than the cake.'

ON TURNING 100'I don't feel old. In fact, I don't feel

Anything until noon. Then it's time for my nap.'

ON GIVING UP HIS EARLY CAREER, BOXING

'I ruined my hands in the ring. The referee kept stepping on them.'

ON NEVER WINNING AN OSCAR'Welcome to the Academy Awards or, as it's called at my home, 'Passover'.

ON GOLF'Golf is my profession. Show business

is just to pay the green fees.'ON PRESIDENTS

'I have performed for 12 presidents and entertained only six.'

ON WHY HE CHOSE SHOWBIZ FOR HIS CAREER

'When I was born, the doctor said to my mother,

Congratulations, you have an eight pound ham.

ON RECEIVING THE CONGRESSIONAL GOLD MEDAL'I feel very humble, but I think I have the strength of character to fight it.'

ON HIS FAMILY'S EARLY POVERTY

'Four of us slept in the one bed. When it got cold, mother threw on another

brother.'ON HIS SIX BROTHERS

‘That's how I learned to dance. Waiting for the bathroom.'

ON HIS EARLY FAILURES'I would not have had anything to eat if

it wasn't for theStuff the audience threw at me.'

And my personal favourite I can resist everything;

but temptation.

Are you currently using your Right Brain,

or Left?

Long Live Bob Hope and his famous wisecracks

Give me a sense of humour;

Lord, give me the grace to see a joke,

To get some humour out of life,

To be able to laugh at myself,And to the person

receiving thisThe grace to spread humor &

happiness..

half their taste buds.

36. About 32 million bacteria call every inch of your skin home. But don't worry, a majority of these are harmless or even helpful bacteria.

37. The colder the room you sleep in, the higher the chances are that you'll have a bad dream.

38. Human lips have a reddish color because of the great concentration of tiny capillaries just below the skin.

39. Three hundred million cells die in the human body every minute.

40. Like fingerprints, every individual has a unique tongue print that can be used for identification.

41. A human head remains conscious for about 15 to 20 seconds after it has been decapitated.

42. It takes 17 muscles to smile and 43 to frown.

43. Humans can make do longer without food than sleep. Provided there is water, the average human could survive a month to two months without food depending on their body fat and other factors. Sleep deprived people, however, start experiencing radical personality and psychological changes after only a few sleepless days. The longest recorded time anyone has ever gone without sleep is 11 days, at the end of which the experimenter was awake, but stumbled over words, hallucinated and frequently forgot what he was doing.

44. The most common blood type in the world is Type O. The rarest blood type, Bombay Blood, due to the location of its discovery, has been found in less than hundred people since it was discovered

45. Every human spent about half an hour after being conceived, as a single cell. Shortly afterward, the cells begin rapidly dividing and begin forming the components of a tiny embryo.

46. Right-handed people live, on average, nine years longer than left-handed people do.

47. Your ears secrete more earwax when you are afraid than when you aren't.

48. Koalas and primates are the only animals with unique fingerprints.

49. Humans are the "only" animals to produce emotional tears.

50. The human heart creates enough pressure to squirt blood 30 feet in the air.

Human Mysteries...

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Income Tax Mr G M Chouhan, Retired Joint Commissioner of

Income-Tax.

Insurance Audit Mr Prakash Mandalia, Retired Insurance Professional.

Homeopathy Mr Mahesh Kamdar, Practicing Homeopath

Legal Issues Mr Pavin Gujarathi, Retired Jurist

Will-Making Mr Prakash Khambhat, Legal Expert

Reverse MortgageMr Kahsyap Vachhrajani, Retired Banker

60PlusLife has as its members a bank of Experts in various fields. Some of them have already offered their services for our members. Avail expert advice in the following areas;

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