A MAGAZINE FROM THE GOPAST CENTRE FOR LEARNING

Inscriptions 24
TRUTH STAYS FOREVER

PANNEL 1 WALL 7
SCULPTOR INSCRIBES
c C :743 7A C 16 713d
7 SKT OUT NOY W O K UL KT OT S GOTOTM YKYYOUTY GTJ 7 MK G G OK
UL KYVUTYKY L US NK VG OIOVGT Y :K SK ROY YUSK,

FKY O OY IU KI
7 OY IU KI H TU GR G Y
7 OY YU H Y HPKI U IUTJO OUTY
& 7 OY NKU K OIGRR IU KI H V GI OIGRR LGRYK
/Y G MO R 7 NG K K LK INUOIKY
( 7 OY K UTR LU G LK R IQ UTKY
) 7 OY UTM IUSVRK KR
ROLK OY 5UJbY INUOIK
; ROLK OY S OLKbY INUOIK
3 K NOTM OY TJK S N YHGTJbY IUT UR NU IGT 7 NKT YG
O OY S INUOIK.

/TJ NK ROY MUKY UT GTJ UTa

BNK V OSG JOLLOI R OT GIIKV OTM NOY c ROLK OY U INUOIKd OY

NG UTIK K GM KK U NOY Y G KSKT K NKT RUYK NK R UL
c0RGSOTMd EK G K K KSKR YKJ U NK R UL GYYK OTM
HRGSK EK IGT TU HRGSK GT NOTM- 5UJ VG KT Y INORJ KT YUIOK
U MGTOYG OUT I Y USK Y SGT LGI KY I R K LG K JKY OT K I

:UUQ G YUSK UL U Y G KSKT Y- NK KGY NK B N OY

BNK Y UTK OVVKJ SK- BNK Y UTK GY Y G OI 7 OVVKJ UT O

BNK MRGYY LKRR L US S NGTJY- 7 J UVVKJ O H SOY GQK
BNK GOT RKL - 7 G O KJ RG K
 PIC1

:UUQ G NOY VOI K V BNK K OY G Y OS R Y GTJ G VK YUT- HK KKT

NK Y OS R Y GTJ NK VK YUT NK K OY G YVGIK GTJ OT NOY YVGIK ROKY
NOY!NK L KKJUS UL INUOIK

A OS R Y, /T NOTM NG K UQKY G KYVUTYK L US G VK YUT 7 IU RJ HK

GT K KT LU K GSVRK- G Y UTK LR TM G Y 7 IU RJ GRYU HK G U J
LU K GSVRK- YUSKHUJ K OTM cNK OY G TOIK VK YUTd 7 IU RJ HK G
YUTM LU K GSVRK- cBNK TG OUTGR GT NKSd O IU RJ HK G VOI K LU
K GSVRK- c;OIGRKGTMKRUd 7T YNU GT NOTM NG K UQKY G KYVUTYK
L US Y OY G Y OS R Y

0K KKT GT Y IN Y OS R Y GTJ NK VK YUT NK K OY GR G Y G YVGIK

GTJ OT NG YVGIK NK!YNK NGY NK L KKJUS UL INUOIK 6OY!NK KYVUTYK
IU RJ HK U U U &

BNK G G KTKYY UL NK LGI K NG K NOY L KKJUS UL INUOIK OY U VU

K 3 KT NU MN NK L KKJUS UL INUOIK OY NK K OL K G K TU G G K
UL NG GTJ K LKKR NG NK K OY TU INUOIK U NK NGT NKT K
G K VU K RKYY GTJ NK Y OS R Y OY UU VU K L R
4O Y RK SK IRG OL NOY, OY O K NG K NG K NOY L KKJUS UL
INUOIK OT K K YO G OUT. FKY K JU :K Y YG N VU NK OIGRR - UT
U G NUSK G UHHK P SVY HKLU K Y GTJ VUOT Y G VOY UR G U
NKGJ OT IRUYK GTMK GTJ JKSGTJY U LU NK HGM OT U NGTJ A OS
R Y - 2U K Y ORR NG K NK L KKJUS UL INUOIK.

BGQK G SOT K U NOTQ GHU NOY YO G OUT GTJ GTY K NOY W KY

OUT- 2U K Y ORR NG K NK L KKJUS UL INUOIK.

7 YKKSY UH OU Y NG K SG TU NG K GT U NK INUOIK NGT U MO K

NK HGM G G 7Y O K NG OT GRR Y IN YO G OUTY K K HUJ
JOJ NK YGSK. U K NG K IUSK GI UYY Y U OKY NK K NK OI OS
U RJ HK LU MN O N NK UHHK K NG K O TKYYKJ NOY OT YUSK
SU OKY OT NOIN NK UHHK GY GRQKJ U UL NK UHHK 7T LGI OT
K K YO G OUT NU K K J GY OI SG O HK K Y ORR NG K YUSK INUOIKY
U INUUYK L US 7 GS TU YG OTM NG K YNU RJ TU MO K G G NK
HGM GTJ KTJGTMK U RO KY /RR NG 7 GS OTM U IUT K NK K OY
NG K NG K INUOIKY U UL NOIN MO OTM G G NK HGM OY P Y UTK UL
NK INUOIKY

:K Y TU RUUQ G GT KSU OUTGRR SU OTM K GSVRK,

/ SU NK NGJ IUTY R KJ SK GHU NK U HRK NG YNK GY TJK MU

OTM ANK NGY KG URJ YUT BNK HU OY K JK NK YNU Y G NK
K KT LU NK YSGRRKY OYY KY NG VYK NOS O N GH YO K U JY ANK
YG Y NG YNK U RJ TU YK Y IN U JY K KT GMGOTY NK KTKSOKY 6K
NGY K KT YRGVVKJ NK ANK NGY TU UTK U NK NGT NK YUT OT NK LGS
OR YNK YG Y YNK NGY YGI OLOIKJ YU S IN LU NK YUT GTJ Y ORR NK OY YU
TM G KL R AOTIK NOY INORJNUUJ NK NGY HKKT MO KT YU S IN G KT OUT
GTJ IG K NG NK YKKSY U NG K GQKT NOTMY LU M GT KJ 7 OY TU
NG NK HU NGY GR G Y HKKT ROQK NOY SUY UL NK OSKY NK OY UQ
H G OSKY NK HKNG KY ROQK NOY ANK YG Y NK OY K QOTJ U NOY
L OKTJY NK OY K KT QOTJ U GTOSGRY- H O Y O N NK U NUS NK OY
YU TQOTJ GTJ JK GTJ NG UU P Y UTIK OT G NORK O OY L KW KT
TU 6K G OSKY KM K Y NOY GI OUTY GTJ GVURUMOYKY ANK URJ SK
NG YNK NGY YGI OLOIKJ NK IG KK LU NK YGQK UL NOY HU YNK NGY RK
MU NK GSHO OUTY GYVO G OUTY GTJ K KT YUSK KRG OUTY LU NK YGQK
UL NOY HU GTJ K NOY OY NG YNK KTJ KY
ANK GYQY SK NG INUOIKY JUKY YNK NG K OT NOY YO G OUT. ANK OY
IK GOT NG YNK NGY U URK G K NOY GTJ GO LU G MUUJ OSK NKT
NK HU ORR INGTMK LU NK HK K BNG G YNK IGT QKKV V NK
OSGMK OT NK YUIOK GTJ G NK ULLOIK NG YNK OY G MUUJ RGJ GTJ
NG GRR OY KRR OT NK LGSOR 7 U RJ TU RKG K O U NK KGJK Y U
VUTJK VUT NOY GTJ KRR SK OL U NOTQ NK K G K SU K INUOIKY.

ENG K K SG HK NK Y OS R Y K Y ORR NG K INUOIKY BNK Y OS R Y

IU RJ HK G N KG U O IU RJ HK G KSV OTM HGJ NGHO U O IU RJ HK
GT OTY R H G IUSS TO SKSHK U G HGIQY GHHOTM L OKTJ U O
IU RJ HK G SGI U K KT ROQK GT KIUTUSOI SKR JU T U GT ULLK UL
H OHK O IU RJ GRYU HK GT TSGTTKJ GLLOI YOMTGR EK GR G Y NG K
S R OVRK INUOIKY

6G K U K K K VK OKTIK G YO G OUT NK KOT U K K NG YN O N

YUSKUTK GTJ RG K KGROYKJ O GTJ GVURUMOYKJ LU O . 6G K U K KJ
G U J NG N G VK YUT GTJ RG K KVKT KJ LU O .

7L NK GI GY NK UTK NG JKYK KY KVKT OTM U KM K OTM N JU

O U HKMOT O N. EK K K G G K UL NK U NK INUOIKY G GORGHRK U Y
U OY O HKIG YK K LKR NG GI OTM ROQK NG GY NK UTR G GORGHRK
UV OUT INUOIK KUVRK NU RUUQ G VOI YUSK OSKY KRR SK NG U
NG K YNU T G HOM YVGIK HK KKT NK Y OS R Y GTJ NG VK YUT H OT
KGR ROLK NK K OY TU Y IN R BNK YVGIK OY P Y G SOI U SORROSK K
U YUSK OSKY P Y G SOI UT RKTM N G U YK YIKTG OU U RJ HK OT
NOIN NK K OY TU YVGIK G GRR

0 HKROK K SK O KYVKI O K UL NK TO Y UL SKGY KSKT Y 7 IGT KRR

U NG NK K OY YVGIK /TJ KTU MN YVGIK U K K IOYK U L KKJUS UL
INUOIK 0 TJK Y G OTM NOY VNKTUSKTG K IGT K KRR YG NG -

c UHUJ IGT JOY H Y O NU U VK SOYYOUTd

c UHUJ IGT VYK Y O NU U VK SOYYOUTd
c UHUJ IGT KSV Y O NU U VK SOYYOUTd

FU IGT GY KRR Y HY O K NK U J cTUHUJ d O N cTU NOTMd

BNK SUY LGYIOTG OTM I KG OUT OT NOY U RJ OY NK N SGT H GOT 7 Y
L TI OUTY G K GSG OTM FKG Y GTJ JKIGJKY UL KYKG IN GTJ JOYIU K OKY
GTJ K YU S IN SU K GO OTM U HK TIU K KJ

7L NK H GOT OY G NG J G K O Y L TI OUTOTM OY IGRRKJ NK SOTJ :UUQ G

NK VOI K VOI HKRU BNK L TI OUTY UL NK SOTJ IGT HK H UGJR JO
OJKJ OT U U BNK IUTYIOU Y SOTJ GTJ NK Y HIUTYIOU Y SOTJ

PIC2

BNK IUTYIOU Y SOTJ

4O Y IURRKI Y OTLU SG OUT L US NK U RJ N U MN NK YKTYKY
/TGR YKY NK OTLU SG OUT- ROQK K LGRYK ROQK JOYROQK K I-
A U KY NK OTLU SG OUT K Y Y KSG OIGRR OT G OU Y LURJK Y GTJ
LORKY O N RGHKRY GTJ OTJK KY LU NK UIIGYOUT NG JKSGTJY NK YK
UL NK OTLU SG OUT U SGQK JKIOYOUTY-
:K SK MO K U GT K GSVRK U ORR Y G K NOY V UIKYY ENORK 7 GY
W O K U TM SG HK U KG Y URJ 7 GIIUSVGTOKJ S VG KT Y U G
KRG O KY NU YK LU R TIN BNK NGJ SGJK K YVKIOGR G GTMKSKT Y
LU NK R TIN GSUTM G G OK UL JOYNKY GY GT O KS IGRRKJ cYGSH
NG d NG OY U HK NGJ O N OIK- NK K GY G VOKIK UL M KKT INORR OT
NG 7 SOY UUQ O U HK G KMK GHRK ROQK M KKT HKKTY GTJ YU 7 HO OT U
O 7 GY YU NU NG 7 LKR GT KRKI OI Y MK UL YU Y L US NK UV UL
S NKGJ U NK OVY UL S UKY BNOY OTLU SG OUT MU Y U KJ OT NK
GVV UV OG K VRGIK OT NK SOTJ 4U S NKT UT NKTK K NK K KY YVU
G M KKT INORR OT GT LUUJ O KS NK SOTJ GRK Y NK NGTJ GTJ NK
NGTJ V YNKY O G G

BNK IUTYIOU Y SOTJ IUTY SKY G RU UL KTK M OT NOY V UIKYY AU GL K

KVKG OTM GT GI OUT U K G V URUTMKJ VK OUJ UL OSK O V YNKY NK JK
IOYOUT OT U NK Y HIUTYIOU Y SOTJ YU NG NK GI OUT IU RJ HK UT G U
VORU SUJK

7L U UR T G GI OUTY! KGI OUTY G K IUT URRKJ H U IUTYIOU Y

SOTJ U OT UR T G GI OUTY G K IUT URRKJ H U Y HIUTYIOU Y
SOTJ NK KH GI OTM ROQK G V UM GSSKJ UHU

:K Y MU HGIQ U U JOYI YYOUTY UT NK Y OS R Y- VK YUT YVGIK GTJ

NK L KKJUS UL INUOIKY / NK IUTYIOU Y SOTJ RK KR G Y OS R Y OY K
IKO KJ GTGR YKJ GTJ JKIUJKJ HGYKJ UT GR KGJ Y U KJ OTLU SG OUT GTJ
K VK OKTIKY /Y SKT OUTKJ KG ROK NKYK JKIOYOUTY MK V YNKJ OT U NK
Y HIUTYIOU Y SOTJ U NK K KT NG U KYVUTYKY G K G USG OI
BNG OY NK OSK NKT K LKKR NG NK K OY TU YVGIK HK KKT NK
Y OS R Y GTJ U KYVUTYK- U K KT U YK K LKKR NG NK K OY TU
U NK INUOIK G GRR ENORK NK LGI OY NG NK K OY YVGIK GTJ NK K G K
U NK INUOIKY UU

:K SK MO K U YUSK K GSVRKY,

AUT TU ROY KTOTM U NK OTY I OUT UL NK LG NK U YO GTJ LOTOYN NOY

NUSK U Q YG Y NG NK GT Y U VRG NKT O N NOY L OKTJY 3 KT GY
NK Y G KJ K OTM NOY OYN U VRG NK LG NK GOYKJ NOY NGTJ U YRGV
NOS TU YVGIK TU U NK INUOIK
/ YSGRR GIIOJKT - G SU U I IRK H YNKY UT NK YOJK UL U IG K MK
JU T GTJ YNU G NOS / OSKY OT RGTM GMK NG JUKY TU KLRKI
U KJ IG OUT U VH OTMOTM TU YVGIK TU U NK INUOIK

/ IURRKGM K IUSSKT Y UT U U Q K MO K G OURKT KYVUTYK U O

TU YVGIK TU U NK INUOIK

BNK YOMN UL G LRGM K UQKY GTMK TU YVGIK TU U NK INUOIK

BNK UTK UL G SU NK OT RG YIG KY NK TK JG MN K OT RG YNK

I OKY OT V O G K I YOTM NK LG K UL MK OTM SG OKJ OT U NOY LGSOR
TU YVGIK TU U NK INUOIK

/ N YHGTJ ORR KG Y GTJ NK OLK P Y Y GRRU Y NK OTY R TU YVGIK

TU U NK INUOIK

/ OLK OY Y YVOIOU Y GTJ N Y NK N YHGTJ O N NK U JY NK N Y

HGTJ GO Y LU G JG NKT YNK U RJ IU KI NK YKRL TU YVGIK TU
U NK INUOIK

ASUQOTM OT V HROI VRGIKY OY HGTTKJ OT 7TJOG H G VK YUT YKKY GTU N

K VK YUT V LLOTM IOMG K K LKKRY NK MK GTJ OURG KY NK RG
ASUQOTM OT V O G K VRGIKY OY GRYU OTP OU Y U NKGR N IG YKY IGTIK
KUVRK NU G K KYVUTYOHRK LU NKO LGSOROKY NU IGT NK TU T
JK Y GTJ NK JGSGMK O IU RJ IG YK U NKS- GTJ HKIG YK UL NG
NU S IN JGTMK G K NK V OTM NKO HKRU KJ LGSOR OT. KVKG KJ
R NK K K IOYK NK YGSK INUOIK TU YVGIK TU U NK INUOIK

7L U KYVUTYKY G K IU KI SKGTOTM NG K NG K YKJ NK L KKJUS

UL INUOIK NKT K S Y IUT OT K NG G 0 OL K QTU NG U
KYVUTYKY K K TU IU KI NKT NK G K TU NKRVL R U U M U N
GTJ YU K S Y INGTMK

6U JU K NKT KV UM GS NOY UHU .

SOTJ V UJ IKY NU MN Y NOIN OMMK KRKGYK UL G YK UL NU

SUTKY NG IG YKY G YVKIOLOI KGI OUT OT Y
 SOTJ OY G LGI U NG V UJ IKY NU MN Y 7Y O VUYYOHRK LU GT
LGI U U V UJ IK UV W GRO V UJ I OL NK G SG K OGRY YKJ OT
NK V UJ I OUT OY UL HGJ W GRO . /RSUY OSVUYYOHRK BNK YGSK OY K
LU U SOTJ UU 7L U SOTJ OY V UJ IOTM NU MN Y NKT O YKY NK
G SG K OGRY IGRRKJ OTLU SG OUT NG K GRRU U MK OT U NOY LGI U
AU OL K GRRU ORR!HGJ W GRO OTLU SG OUT U YKKV OT U U SOTJY
NKT NK SOTJ YKY NG U V UJ IK NU MN Y UL ORR!HGJ W GRO U
SGRR OT LGI U OKY NK W GRO IUT UR JKVG SKT INKIQY NK V UJ
I Y HKLU K O OY VGIQKJ GTJ YNOVVKJ 0 LU U SOTJ LGI U K
S Y YK NK ?1 G NK OSK UL VOIQOTM NK G SG K OGR OTLU SG
OUT O YKRL

EG INOTM BD YK OGRY NOIN OT NK TGSK UL LGSOR J GSGY MO K TKMG

O K OTLU SG OUT GHU KRG OUTYNOVY ORR I KG K JU H Y GHU KRG
OUTYNOVY 7T YUSK UL NK Y U OKY K TU OIK NG GRR SU NK Y OT RG Y
G K I TTOTM GTJ I KR GRR N YHGTJY G K JOYRU GR GRR O KY G K G U
MGT GTJ YKRLOYN EG INOTM NOY KVKG KJR NG UU O N GT KSU OUT
GR IUTTKI OUT NG UII Y J K U NK YI KKTVRG HGIQM U TJ YIU K
NK K V KYYOUTY UL NK G OY Y GLLKI Y NK OK K Y 7 NG K YKKT YUSK
U TMY K Y G K GL GOJ UL MK OTM SG OKJ G NK NGT MK OTM K IO KJ
GHU NKO SG OGMK NK G K YIG KJ GHU O Y V UYVKI Y

7Y O VUYYOHRK U VOIQ OTLU SG OUT UTK H UTK GTJ GRRU O U KT K U

SOTJ. BNK K OY G HK K G U JU NG

7L K IGT GVVUOT GVV U KJ Y VVROK Y L US NUS K ORR OT GQK OT

LU SG OUT LU K GSVRK- KGJ HUUQY O KT H 2 / 8 /HJ R 9GRGS
A KVNKT 1U K Y HYI OHOTM U U HK INGTTKRY UL KYVKI KJ SKT U Y
GTJ YU UT 1 KG OTM G L OKTJ IO IRK NOIN OY MUUJ OT GRR GYVKI Y NK
UTK NG YN TY HGJ NGHO Y GTJ NK UTK NG GR KY MUUJ ;U GRKY NK
UTK NG OTYVO KY GTJ KTIU GMKY IGT OSV U K NK W GRO UL U
NU MN Y K KT O NOT G YNU YVGT UL OSK

BNK UVVUYO K ROQK NG OTM L OKTJY OT NK IO IRK NU HUGY UL HGJ

NGHO Y VKUVRK NU G K YKRLOYN NU JU TU GR K NKO I R K IGT JK
K OU G K NK W GRO UL U NU MN Y O NOT G K YNU YVGT UL
OSK
ENKT NK IUTYIOU Y SOTJ KIKO KY RUGJY UL W GRO OTLU SG OUT O MUKY
U MK Y U KJ GTJ YKJ OT JKIOYOUTY SGQOTM GTJ SUY OSVU GT R O
MK V YNKJ OT U NK Y HIUTYIOU Y NG I KG KY GT G UVORU UL NK
NOMNKY W GRO OTLU SG OUT KTY OTM NK NOMNKY W GRO VK LU
SGTIK

EK IGT TJK Y GTJ U KGQTKYYKY ROQK GTMK KMU R Y MK OTM

KSV KJ LKKROTM OTLK OU GHU YKRL- GTJ YU NKT MU U GTJ YKG IN
OTLU SG OUT NG IGT I K NKYK JOYKGYKY ROQK NK G K MU OT YKG IN
UL JUI U Y YVKIOGROYOTM OT JKVG SKT Y OT NOIN K G K GLLKI KJ EK
JUTb NG K U GO LU MUUJ OTLU SG OUT U LRU EK IGT YKG IN GTJ
YU IK LU O U YKR KY

AUSK M KG K GSVRKY UL NK G G KTKYY UL L KKJUS UL INUOIK,

7 W U K L US NK YVKKIN UL ;GNG SG 5GTJNO G 8UNGTTKYH M MOTM

NK /YOGT IUSS TO U Y GTJ V GMGOTY NK JOYI OSOTG OUT H NK
ENO KSKT H VKGIKL RR SG INOTM U NK SGOT YW G K GTJ H T NK
OJKT O IG J GTJ Y G G TUT IUUVK G OUT SU KSKT 6K GY NKT ;
9 5GTJNO NK GY RG K IGRRKJ O N KYVKI GY ;GNG SG SKGTOTM G
M KG YU R b

dBNK ORR OSV OYUT SK BNK SG

HKG SK BNK SG H GQK S HUTKY
GTJ K KT QORR SK GTJ NK ORR
NG K S JKGJ HUJ TU S UHKJO
KTIKd BNK IGT TU GQK G G U
YKRL KYVKI TRKYY K MO K O U
NKSd

VOI UL 5GTJNO OT AGR AG GM GNG OT 7TJOG

/TU NK Y IN K GSVRK OY 2 KRYUT ;GTJKRG NU GRQY U UL NK

V OYUT GL K GRSUY ) KG Y UL OSV OYUTSKT GTJ Y ORR LOMN Y GMGOTY
OTP Y OIK U NOY IU T SKT
 U RK SK MU HGIQ U NK K GSVRK UL NK USGT NU NGJ IUSK U
SK YKKQOTM NKRV O N NK YUTbY HKNG OU ANK IU RJ GL K JK KRUV
OTM IUTLOJKTIK NG YNK IGT NGTJRK NK YO G OUT OT G JOLLK KT G
LU TJ U NK INUOIKY YNK NGY OMN G G U NK NGT URK G OTM NK
G SG NG YNK OY TJK MUOTM GTJ NKT YNK NGJ G M KG YKTYK UL K
ROKL

7T Y SSG 7 IGT YG NOY,

U UTK IGT JOY H Y O NU U VK SOYYOUT

U UTK IGT VYK Y O NU U VK SOYYOUT
U UTK IGT KSV Y O NU U VK SOYYOUT

EK G K NK SGY K Y UL U INUOIKY GTJ U INUOIKY I KG K U ROLK

/ GT GMK G GT OSK L US GT NK K K IGT Y G U PU TK U

M KG TKYY

0RGSOTM OY P Y G H JKTYUSK R NG U K KOMNY U V UM KYY OT

I KG OTM G L K NG K GT LU U YKR KY

EK IGT OSV U K U INUOIKY GTJ NK KH OSV U K U ROLK

EK IGT Y UV U HGJ NGHO Y GTJ Y G MUUJ NGHO Y NG ORR NKRV Y

GTJ U LGSOR

EK IGT SGQK U YKR KY IU GMKU Y IUTLOJKT GTJ G VK YUT UL ING GI

K

EK IGT KV UM GS NK Y HIUTYIOU Y UHU

GURUS’ SPEAK

FINANCIAL DISCIPLINE VS FINANCIAL

INTELLIGENCE
THE FORMER WINS MOST OF THE TIMES;
HANDS DOWN
R.GOPINATH
gopinathr@go-past.com
www.go-past.com
 FINANCIAL DISCIPLINE VS FINANCIAL INTELLIGENCE
THE FORMER WINS MOST OF THE TIMES; HANDS DOWN
R.GOPINATH
gopinathr@go-past.com
www.go-past.com

I ODWH L KDYH EHH UHDGL DUWLFOHV L VRPH IL D FLDO H VSDSHUV D G

PD D L HV DGYLVL WKDW F VWRPHUV P VW GH OL N L V UD FH D G
L YHVWPH W 9RUH VSHFLILFDOO R 2 GR PH W W SH RI L V UD FH
SROLFLHV WKDW RIIHU D VDYL V SRUWLR DOR LWK WKH ULVN FRYHU 6
PD FR WULHV WKLV LV N R DV FDVK YDO H SROLFLHV R WKH PD D L HV
FODLP WKDW WKH F VWRPHU P VW E D WHUP FRYHU IURP D L V UD FH
FRPSD D G IRU VDYL V RU L YHVWPH W KH P VW ORRN IRU RWKHU VR UFHV
D G RW IURP L V UD FH FRPSD LHV 6? 6 : ? .: 6:?288642:?
05 602 WKDW LV KDW WKH VD / W DUH WKH FRUUHFW L VD L VR-

?KH FODLP WKDW E RSWL WR VDYH PR H WKUR K L V UD FH SROLF WKH

L YHVWRU LV ORRVL KHDYLO D G LI R O KH R OG VDYH WKH PR H
WKUR K RWKHU VDYL V PHGLD KH LOO EH IDU PRUH EH HILWHG EHFD VH
WKRVH L VWU PH WV RIIHU D KL KHU HW U R 6 YHVWPH W 6
FRPSDUHG WR KDW 2 GR PH W SROLFLHV RIIHU

6 WKH ODVW % HDUV RI P H SHULH FH L WKH IL D FLDO VHUYLFHV

L G VWU L KDYH FRPH DFURVV WKR VD GV RI L YHVWRUV

.W WKH EH L L RI P GLVF VVLR L DVN WKHP KDW WKH R OG OLNH WR

DFKLHYH WKUR K WKHLU L YHVWPH WV RU VLPSO S W KDW WKH D W-

9RVWO SHRSOH VD 6 D W KL K UHW U V

?KH L DVN WKHP BK -

?KH VD R WKDW L KDYH PRUH 9R H
:R L DVN WKHP 1R R D W PRUH PR H RU GR R D W WR HDU
PRUH HW U 6 -
?KH VD .UH W ERWK WKH VDPH-
BKDW PD SHRSOH GR RW N R LV WKDW 9RUH 6 GRHV RW PHD R
LOO DO D V H G S LWK PRUH PR H
:R L DVN WKHP K GR R D W PRUH PR H ?KH VD R WKDW
L FD EH KDSS RU L FD EH L GHSH GH W
:R L DVN WKHP OHW V GHIL H FOHDUO DV WR KDW GR R UHDOO D W
DPR VW WKH WKUHH DERYH-

9RUH 6 RU 9RUH PR H RU % 9RUH 5DSSL HVV RU D IHHOL

RI L GHSH GH FH -

WHSKH 0RYH D RWHG PD D HPH W U D G D WKRU KDV D WKRUHG D

ERRN HYH KDELWV RI KL KO HIIHFWLYH HRSOH H RI WKH KDELWV RI
WKDW,

/246: B6?5 ?52 2:1 6: ?52 96:1

6 GLVF VVL WKH KDELW KH VD V H DUH DOO E V FOLPEL ODGGHUV E W

OHW V FKHFN LI WKH ODGGHU LV OHD L R WKH UL KW DOO R KDW LV WKH
H G UHV OW R D W WR DFKLHYH- 5L K UHW U V 6 RU WR KDYH
PRUH PR H RU WR KDYH D KDSS D G I OILOOL OLIH L GHSH GH FH-

CR IL G DGYHUWLVHPH WV VD L WKDW 9 W DO 3 G DKL 5DL

9HD L ?KDW 9 W DO 3 GV DUH WKH UL KW FKRLFH 9 T HVWLR LV
IRU KRP- 3RU KDW S USRVHV- 6 KDW FLUF PVWD FHV-

1RHV WKLV PHD WKDW RWKHU VDYL V L VWU PH W DUH UR FKRLFH- 6V

WKLV ODGGHU OHD L R WKH FRUUHFW DOO-

?KH SHUVR KR HVWDEOLVKHG WKH BKDUWR LYHUVLW KDG D YHU RRG

GHUVWD GL RI WKH UROH RI IL D FH L D SHUVR V OLIH ?KDW LV K
KH KDG DGYRFDWHG WKDW WKH VW GH WV S UV L D V EMHFW IRU
UDG DWLR EH LW PDWKHPDWLFV RU VFLH FH RU VRFLDO VFLH FH RU OD D H
P VW EH WD KW WKH I GDPH WDOV RI SHUVR DO IL D FLDO PD D HPH W
. SHUVR FD KDYH DGHT DWH PR H LI KH LV DEOH WR VWLFN WR WKH
I GDPH WDO SUL FLSOHV WKDW RYHU IL D FH UDWKHU WKD R L VHDUFK
RI WKH KL KHVW LHOGL IL D FLDO L VWU PH WV
?5 22 PDL IDFWV WKDW DUH L RUHG L HVWLPDWL WKH SR HU RI
VDYL V WKUR K D H GR PH W W SH RI L V UD FH SROLFLHV DUH,

OTHER SAVINGS INSTRUMENTS ENDOWMENT POLICIES

IT IS JUST A RESOLUTION TO SAVE MONEY IT IS FELT AS A FINANCIAL OBLIGATION

TEMPTATION TO WITHDRAW MONEY ON

NOTICING A SIZEABLE MONEY WITHDRAWAL ATTRACTS PENALTY
ACCUMULATED

WHEN THE PROFITS ARE VARYING THERE IS

A TEMPTATION TO BOOK THE PROFITS SO AS
NOT TO LOOSE THAT GAIN AND WHEN THE
DEFINITE REWARD FOR LOAYALTY
INSTRUMENT IS MAKING LOSES THERE IS
DRIVE TO PRE-CLOSE AND GET OUT WITH
WHATEVER REMAINS
8HW PH VKR R KR WKH PR H HDU HG R PDW ULW D G WKH 6 V
GLIIHU DFFRUGL WR WKH GLIIHUH WLDO EHKDYLR U RI WKH L YHVWRU 6 WKH
SUHVH W VFH DULR D R PD E L D H GR PH W SROLF EDVHG R
WKH ER V VWU FW UH VR IDU GHFODUHG FD H SHFW WKH IROOR L ,

BKH D SHUVR GHFLGHV WR FR WULE WH HYHU HDU L WR WKH

SROLF D G KDV ER KW LW KH N R V KH KDV WR LYH WKLV PR H HYHU
HDU 6I G UL WKH ODWHU HDUV KH VD V KH R OG OLNH WR LYH
L D HDU D G FRPSH VDWH WKH EDOD FH L WKH FRPL
HDUV LW LV RW SRVVLEOH L WKLV FR WUDFW ?KLV IDFW LWVHOI PDNHV KLP
IHHO WKLV FRPPLWPH W DV D IL D FLDO REOL DWLR 5H N R V WKH
FRPSD LOO RW DFFHSW L UH H DO SUHPL P

?KH WRWDO DPR W FR WULE WHG E WKH SHUVR LV UV

BKLOH VDYL WKH VDPH DPR W WKUR K D RWKHU L VWU PH W KH LV
M VW PDNL D UHVRO WLR WR VDYH WKH DPR W RI UV UH ODU
IRU HDUV

BH N R KDW KDSSH V WR R U H HDU UHVRO WLR V ELUWKGD

UHVRO WLR V UHVRO WLR V UHODWHG WR UH ODU SK VLFDO H HUFLVHV
UHVRO WLR V E D VW GH W WR VW G R H FKDSWHU HYHU HHN D G IL LVK
WKH KROH ERRN L WKH ILUVW KDOI HDU RI WKH DFDGHPLF HDU 9 ? 3
?52 ?692 ?52 2 8 ?6 : . 2 / 72: .:1 2:2B21
.4.6:,

. L VWU PH W KHUH KH VDYHV WKH VDPH E W L KLV

R VW OH LWK WKH VDPH 6 R OG KDYH RW R O % (
BKDW LI KLV WDU HW DV R PDW ULW -

?KLV PHD V WR HDU WKH VDPH DPR W RI KH P VW EH

HWWL D LHOG RI + ?KDW PHD V KH KDV WR WDNH D ULVN R WKH
FDSLWDO L YHVWHG ?DNL ULVN PHD V L YHVWL L ARODWLOH L VWU PH WV
BKH KH IROOR V WKH YRODWLOH F UYH LOO KH KDYH SHDFH RI PL G- . G
HYH DIWHU WKDW KDW KDV KH DFKLHYHG WKH VDPH R KH
DFKLHYHG PRUH 6 E W H GHG S LWK WKH VDPH DPR W RI PR H
8RRN DW D RWKHU VFH DULR KHUH KH LWKGUD V PR H L EHW HH ,

5HUH R REVHUYH KH KDG LWKGUD PR H W LFH L EHW HH D G GLG

RW FRPSH VDWH LW VR HYH LWK ) 6 KH KDG D WRWDO EH HILW
RI ) LV D KL K LHOG FRPSDUHG WR + D G
P FK PRUH WKD ( FORVH WR GR EOH E W WKH H G UHV OW L WHUPV RI
DPR W RI PR H LV WKH VDPH
8RRN DW D RWKHU VFH DULR KHUH L KH FRPSH VDWHV IRU WKH DPR W
WKDW KH KDG LWKGUD D G LI KH KDG DFKLHYH WKH VDPH 6 RI
( KH R OG KDYH H GHG S LWK D DPR W RI PR H DV VKR
KHUH GHU,

.OO WKH DERYH LOO VWUDWLR V VKR V WKH DGYD WD H RI D IL D FLDO

REOL DWLR YLV D YLV IOH LEOH D G DOVR WKH DGYD WD H RI WKH WKUHDW RI
SH DOW R LWKGUD DO

6 WKH EH L L L KDG DVNHG KLP GRHV KH D W PRUH HW U V- 9RUH

PR H - RU 5DSSL HVV-

.OO WKHVH LOO VWUDWLR V L IOH LEOH D G B1 DUH M VW DVV PHG DPR WV
CR FD FKD H WKLV DFFRUGL WR R U LVK D G DUULYH DW 6 V D G
GHFLGH IRU R UVHOI WKH SR HU RI 3L D FLDO GLVFLSOL H 5HUH 6 FR VLGHU
HDU L D KL KHU 6 HHG IL D FLDO L WHOOL H FH L WHUPV RI VHOHFWL
VWRFNV WLPL D G N R OHG H RI WHFK LFDO D DO VLV D G RWKHU DVSHFWV
2 SHUWV KR KDYH H SHULH FHG WKH L YHVWRU EHKDYLR UV G UL YRODWLOH
PRYHPH WV D G WKRVH KR KDYH VW GLHG WKH L YHVWRUV SV FKROR
LOO HYHU GHUPL H WKH YDO H RI D L VWU PH W WKDW RIIHUV D V VWHP
WKDW H V UHV GLVFLSOL HG L YHVWPH W PHUHO R WKH IDFW WKDW LI RIIHUV D
OR HU 6

6 LOO EH GLVF VVL DER W KDSSL HVV D G PR H L WKH H W LVV H RI

L VFULSWLR V GUD L L IRUPDWLR IURP WKH VSHHFKHV RI 1U 1D LHO
7DK HPD 1U LFKDUG ?KDOHU D G RWKHU EHKDYLR UDO D DO VWV D G
HFR RPLVWV

/ W IRU R LI R DUH D DGYLVRU RU LI R DUH D L YHVWRU UHDGL

WKLV DUWLFOH EH L IRUPHG DER W WKH VH RI WKLV D H ROG L V UD FH F P
VDYL V SURG FW

!றள ( ,
அ%வ'உm ஆவ'உm ஆ+ வ%பயk!m
ஊ0யµm 23n5 ெசயl

BH P VW HVWLPDWH WKH SUREDELOLW RI ORVV D G WKH SUREDELOLW RI DL

D G WKH HIIHFW RI WKLV UR WK RU UHG FWLR R R U HDOWK FR VFLR VO
D G WKH D G R O WKH WDNH D DFWLR L YHVWL ?KLU N UDO (
CATERPILLARS’ SPACE

CHILD PLAN OF LIFE INSURANCE

MR VINOD GUPTA
vinodlifegupta@yahoo.co.in
 WHY WE NEED A CHILD PLAN

The rising cost of education is troubling Indian parents. It’s

terrifying thought for any parent leaving his family without

adequate means to lead a comfortable life. The only way to get

over this worry is to take a sizeable life insurance cover. Financial

planners swear by term plans, arguing that these policies are the

best way to cover the risk of early death. They certainly are

because they offer a high cover at a low cost and give out a lump

–sum amount to the nominee if the policy holder dies but the

policy ends right there.

There are possibilities that the amount received through term

insurance is exhausted before the money is really needed for

child education specially in case of other partner not working .

On the other hand, a child insurance plan offers a

lump-sum payment on the death of the policy holder, but the

policy does not end there . All future premiums are waived and
the insurance company continues investing this money on behalf

of the policy holder. The child gets the money at specified

intervals as planned under the policy. In this way, the parent

ensures that his child’s needs are taken care of even if he is not

around,

Almost all life insurance firms have child plans in

their portfolio of offering. Some of these are market –linked

policies, which allow policy holder to invest in equities and dept,

while others are traditional plans which invest only in debt. in case

of life insurance policy, the premium paid for a child plan is

eligible for tax deduction under section80c, while any income from

the plan is tax-free under section 10 (10d).

Critics of child plans argue that these policies come at a very high

cost compared to a simple term plan. They say that instead of

allocating a huge sum as premium to a child plan, a parent can

buy a term plan of the same amount for himself and invest the
balance money in mutual funds. On maturity, he will have a bigger

corpus.

However, they miss out on a crucial detail. What if the

parent dies five years after taking the plan? The term plan will

give a lump-sum for the immediate needs of the family and further

investment in the mutual fund will stop. The child plan, however,

will not only pay the lump-sum, but will continue investing on

behalf of the policy holder. Insurers believe the waiver of premium

feature in a child plan is the key. It is big advantage because it

doesn’t let the death of the policy holder derail the investment

plan for his child , More over spouse in case of absence of

partner may get unnerved by market volatility and lacks the

necessary discipline to create wealth over the long term. Beside

this there are three major challenges for long term wealth

creation.

1.Regularity

2, Temptation to withdraw
3. Living till the goals are achieved

It’s quite unlikely for every parent to overcome the above

challenges and sufficient money may not be available for the child

education funds and so child plan is a must for all parents.

KARATE KIDS

PROUD DAUGHTERS OF
MR JIGNESH PATHAK
AND
MRS PINAL PATHAK
AGENT LIC OF INDIA
FROM BARODA IN THE TEAM
OF MR PUNIT BHATT DEV OFFICER
Introducing two brave little girls of our Agent Mrs Pinal Pathak from Baroda, Gujarat

Listen to her own words:

My two daughters Ms.Jeeya and Ms.Atri Jignesh PATHAK are black belts in karate.

My eldest daughter name is Jeeya Jignesh PATHAK her DOB is 22nd April 2006. She
joined karate at age of 5 on. 1.07.11. She got her black belt on 28. 06.15 at age of 9.

She then participated in the state competition for selection in 2015 Her photo published in
her school diary and also two times in divyabhasker Newspaper.

My younger daughter name Atri Jignesh PATHAK, her DOB is 17th January 2008.she
joined her karate class 1.02.13 at age of 5 years. She also got her black belt 11.12.16 at
age of 8 years.
Both girls have got 51 medals in different karate competitions.

onft *r-*{-vgffir}Auq 3r6m $rrfrq *q -e=T-Tg ffirt A riq

All I 1l lt lA KAII -ZEII-RYU All I ]I ITIA KAN -ZEII.RYU
KARATE - ITO ASSOGIATIO]I
A I KKA Affi I i ated with : I R A N I A N KA N -Z E N - RY U KA R AT E- DO A SS OC/A fl ON
KARATE I ITO ASSOGIATIO]I
|KKAApproved by: ASTAN KARATE FEDERATION &WORLD KARATE FEDERATION A I KKA Aff i I i ated with : I R A N t A N KA N'Z E N' RY U KA R AT E- DO A SSOC/A frON
WKF Recognised by : INTERNATIONAL OLYMPIC COMMITTEE IKKAApproved by : ASIAN KARATE FEDERATION & WORLD KARATE FEDERATION-
WKF Recognised by: INTERNATTONAL OLYMPTC COMMTTTEE
^-.

$,trtitirutr of Wluth Thtlt {,wtiti ru tt o f Wlutb TBuIW

Ir{ame : ,At*ri oT fio/rlnl Name :

This above mentioned person is here by promoted to the This above menfioned person is here by promoted to the
rank of BLACK BELT of Karate in
rank of BLACK BELT of Karate in
recognition of the great progress made by
recognition of the great progress made by
Diligent study of the art of Ka;n-Zen-Ryu Karatedo. Diligent study of the art of Kan'Zen-Ryu Karatedo.
We Con gratulate him/trer for on this achievement and expect
We Congratulate himlher for on this achievement and expect
continuous progress in the true spirit of Karate Do.
continuous progress in the true spirit of Karate Do.
No.,' ,a
I fi*
X[T- Date.: tt h t b at f - 554 Date.: !fil( ''q

SENSEI JESAL PATEL

CHIEF INSTRUCTOR & TECHNICAL DIRECTOR
SENSEI JESAL PATEL
CHIET INSTRUCTOR & TECHNICAL DIRECTOR
Kanzenryu Karate lndia
Kanzenryu Karate lndia

! !
 u.azdqtdcr Biail :

srcr l)r3v lLq &. c{ej3qqi ett?d tir..tl-i D"gc.tct+L't.tl uctdt?ltl

aia)tla)qrc ( ai+rrrd+ild )qr, ut tdlalltu, og tu[qtq] &.
.u+dt d-tr,\i
i eilg eifBsgfZo dlT .ng
1trt, u3l,{" ttttrrL ui "il'tustst ettt'ti to tae{l uL'1u
q1.{l.tL
ilul,t+r{u.t r,iL* 6[itLi] rcLLql
,

' zqtq c)e). arrr slldlqi

airtaa"fl sri ], Eltri ]'t R$L'te{l rqil hqarqi t-u'tt [ir,6 ui tc[[.{.tLrtl uLdl &. tt1'[,] '1t ut
i urGcr gc,rc) "ttt.t'tt
.t{ stlqi r,tdRrt'tt u3?.[%Rtu otLcL ed tsl&. lq?q% u) iiqla utL'{I0 } }'t il ug
, .vqtqerJ dcrrrci d.
.

"titrr,
:

oleucl dae"s )orct iGa $ru gorlilraui

iri ilA,t'rqiluui qslawil A! fistil
r)lEar"rRru .rs'tetL. aL.e
--Ji*.tt,tf- l,iIqf-;
.tL*.ttrti a[lt.rl, in str.'0r &itl Q'Rt't ++1{+t

tor{l *' t's } 4-'r irzl'+t irtqet Zqe e['Iu irL.te h.'t {[il{.{.ttft
"nct
{R.r-tnL'r ,I%.tL'tt utdl sc{I. u {[E'Lq'tRLq'Li uLq'[r.t rttX e{.
otLt.rotr*ri e.ro AeLd[e,l[ a'tttt e{lq] s,[. "rqLl +t'titt .tS'[gtt.tt ]frt.tt
?t%ltd ltt{'tt t4htt stU?.l{e{l uttrtl too'iaet xo 6rt1t-t {L.t ui *.{t.et
il ee qd-tt tet{tu]ltr qttt ed hlQtt qei dut'{L ri UctL.tst[r{l L"tL.t S{
sar. RetLqq 6{ dl. 'rslelrtt {r[tq T )e r4i' u1.te ciltq .rtu{ ssi.
-a-
*dt (n ,on.l.) 'tL tt-ru sqet Rc'ttctti xo+ l1+t! l,%ttd +<1
:* ;,i;i; nlt'in"i"au tt*Lnl rr'iLr qLt odigsid srL) st*r qts t L"il s,il. tet dltqo+ E+ {[Q't't[Itu'tt ,,)+rlthtitrL{-tl .rLt'trti i
jn,a,".,i" '
.gvrta nD {ttt't.t.ctt'.t qlv'tL'ti utdl edl't'tL tl"ru* 6-s. fa. .tL ttr{lq'l)ei, o.'}u'tl*'t[''tL uLt.*.rioii %ettcqt u
q'{L s'tL'tut'Luj
i i*,;n-trf ,uDn,3" xe "iqtdllti [\t'aL rtie eisjL itz [i,tLt rit]l'fltt iIA"u 'jttdil si+'t ulLet qLil [ilh'tt isL't
i i+o *ui,De,il'i6 qUt tr,etq, {'itd
qu< qg'{tctt ui ierL duLo+t sctL. dqt fl't etft{'ttit't eu+ q1-tl {[rq,r-rt[iq *tL6 sr{I.
I tAO tttetgjt'{1il clt[q\ tuLdl &.
-ilaar ,ou. -ft ttor .+iLstr'tL tilti'Lt Q.et$ gde L+16{ +utliti lvrtct rt"r't'{l }
I a*t"rcr rleAlDs*r i(iller"rRru ti*r qts {uL"tj s,il. [tr+t st'tctt l4ottcttl Yo+ ql'trtl lld qq r.ttct e0q'l ea'I.
r*nt.qlrS sl[+\ae.tr iL. uget .jil .tert
ttilsL oL6+1et .riistr.tL Q "leLd[dt ttcL
; ,rL*a+i +qldu ,iul+tlttt.t.{l cj'rtLct'fl a)dtD*u d['L ctt'
(ul.,it.o.t{l) 'tL Uqit}t'[l qe {t?. e'td tt,,tdt
, to dl tr. ditt\'+t't h{<'t "tti rqL'tL{ tSR'r.t qLur iat't xo+ au't[
sdl..
<,ttcr AqL t'tu t} . uL B't't[ t''t t[&ttt', 3 I
r.rLJr +L6tet g,fl cts.l uLr{l e.{1. gtu'irtl xetq qqd cJ%i

oi,ouni ","r,[u'r flrtt ttrtl, -etttqr?.rt aut ui

X ulQtZsu +r{qtqi
I
u,:ll:il;,ll tetdt a{l} .ts\tr.t'tt 6'
i.p-i1au,Sf\.t':R,1.r^,liii::f
,}eADs+t {[hrq'rRL'rq[ so e{l zo td gtil'tL
.icju LsLr{ll il{r tr,{ert c3uldti 3cr[e1 $[0{eqt
itft ${La?. *16'teql qtrqr
iffe 6tt,{,
r {tr }"tL.r EqT e.iL.
"1u

U U,-- ID
EUtr[
ffii+iffi"{+d$Ehfi1H, ,

rl:$ rt
{r,'(x !
,rrP,rc L9 ) llolsk Ucn Uok' I i a ! ,t 2E hbl.lr.r FEgg tFi i s
'!r\-''''.:JL-<

l- '^\( Lr lrcralPrd

!
NEWS CHANNEL

THE HAPPENINGS
AT GOPAST
KUDOS TO THE TEAM AND ITS LEADER
MRS RAJALAKSHMI GOPINATH
INSCRIPTIONS QUARTERLY E MAGAZINE STARTED on April 2013
AND NOW INTO THE 24TH ISSUE. IT HAS A WORLD WIDE
READERSHIP

PALMLEAF PORTAL started on 14th April 2014 WITH ALMOST

ONE RESOURCE ADDED EVERY MONTH

STARTED SPEAK UP ENGLILSH course on 2nd February 2015

POSITIVE STROKES VOLUME 1 Published IN DEC 2017

TARGETING 1st January 2018 AS A NEW YEAR GIFT

POSITIVE STROKES VOLUME 2 PUBLISHED IN DEC 2018

TARGETING 1st January 2019 AS A NEW YEAR GIFT

E LEARNING CLASSES started on 1st July 2018 AND SO FAR 4

SESSIONS DONE
1) LEGACY PLANNING THROUGH LIFE INSURANCE
2) KEYMAN INSURANCE A RISK MANAGEMENT TOOL FOR
CORPORATES
3) GROUP GRATUITY SCHEMES
4) TIME MANAGEMENT A 48 HOUR CLOCK
AND THE 5TH SESSION SCHEDULED ON: 10TH JAN 2019 ON
EMPLOYER EMPLOYEE INSURANCE SCHEMES

APART FROM THESE PAID SESSIONS TWO FREE SESSIONS DONE

ON PALMLEAF USAGE


35TH BATCH OF MISSION MDRT AT CHENNAI

TRANSFORMER COURSE BATHC

TEAM GOPAST