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Visit us at : www.sbipensionerspune.org e-mail : [email protected] SBI PEN. ASSN.'S SAMVAD SBI PEN. ASSN.'S SAMVAD SBI PEN. ASSN.'S SAMVAD SBI PEN. ASSN.'S SAMVAD SBI PEN. ASSN.'S SAMVAD ñQoQ ~±H noÝeZg© Agmo{gEeZ (_w§~B© gH© b), nwUo `m§Mr J¥hn{ÌH m ñQoQ ~±H noÝeZg© Agmo{gEeZ (_w§~B© gH© b), nwUo `m§Mr J¥hn{ÌH m ñQoQ ~±H noÝeZg© Agmo{gEeZ (_w§~B© gH© b), nwUo `m§Mr J¥hn{ÌH m ñQoQ ~±H noÝeZg© Agmo{gEeZ (_w§~B© gH© b), nwUo `m§Mr J¥hn{ÌH m ñQoQ ~±H noÝeZg© Agmo{gEeZ (_w§~B© gH© b), nwUo `m§Mr J¥hn{ÌH m g§dmX g§dmX g§dmX g§dmX g§dmX _Zm_Zm§Mm _oi Owimdm & ÛofmMm bdboe Zgmdm && _Zm_Zm§Mm _oi Owimdm & ÛofmMm bdboe Zgmdm && _Zm_Zm§Mm _oi Owimdm & ÛofmMm bdboe Zgmdm && _Zm_Zm§Mm _oi Owimdm & ÛofmMm bdboe Zgmdm && _Zm_Zm§Mm _oi Owimdm & ÛofmMm bdboe Zgmdm && gmXmgr à{VgmX {_imdm & dmX ZH mo g§dmX Agmdm && gmXmgr à{VgmX {_imdm & dmX ZH mo g§dmX Agmdm && gmXmgr à{VgmX {_imdm & dmX ZH mo g§dmX Agmdm && gmXmgr à{VgmX {_imdm & dmX ZH mo g§dmX Agmdm && gmXmgr à{VgmX {_imdm & dmX ZH mo g§dmX Agmdm && Price Rs. 3/- Vol.-1 Issue - 8 \o ~«wdmar 2009 \o ~«wdmar 2009 \o ~«wdmar 2009 \o ~«wdmar 2009 \o ~«wdmar 2009 February 2009 j g^mgX {_Ìm§ Zmo , AmnU ~±Ho VyZ {Zd¥Îm Pmcmo H s, hþíe H aVmo. gwQcmo ~wdm EH XmMo ghrgcm_V. AmVm gmR r Amcr, AmVm Amam_ H am`Mm. nU H gMo H m`. d`mMr gmRrM Vr. eara Hw aHw am`cm gw ê dmV hmoD cmJVo. JwS KoXwIr, ñnm±{S cm`Q rg Aer H mhrVar XwIUr gw ê hmo VmV. ~r.nr. Va ~± Ho À`m H m_mÀ`m VmU-VUmdm§ Zr AmYrM gw ê Pmco co AgVo . ~± HoMo Am{U öX`{dH mamMo \ ma OdiMo ZmVo Amho. H mhtZm Vmo Amcocm AgVmo; H mhtZm ~±Ho À`m S m°ŠQ am§Zr Vmo AmUcocm AgVmo. S m°ŠQ ar ì`dgm`mV Zoh_rM "^`mMm ì`mnma' MmcVmo Ago Sm° ŠQa cmo H M gm§ JVmV. "EH Xm ô`m øm Q o ñQ H êZ ¿`m _cm H mhr e§H m AmhoV.' Ago S m°ŠQ am§Zr åhQ c§ H s AmnU ^`^rV hmoVmo. H maU AmOH mc Hw UmcmM ñdV:Mr O~m~Xmar ¿`m`Mr ZgVo . Ago AmOma gw ê Pmco H s H {dd`© ^m.am.Vm § ~o øm § À`m "g§ Ü`mNm`m {^d{dVr öX`m' øm Am o irMr AmRdU `o Vo d _ZmMr hþ ahþ a Mw H sÀ`m {dMmam§ Zr H m_ H ê cmJVo . "_cm H mhr Pmco Va Zmhr Zm ?' nU {_Ìhmo , H mhr H miOr H ê ZH m. H mi \ ma nw To Jo co cm Amho. {dkmZ AmVm àJV Pmcoco Amho. OJmÀ`m nmVirda d¥ ÕËdmda g§ emo YZ gw ê Agy Z OJmV H mo UmcmM d¥ ÕËd `o dy Z`o , åhUyZ Ë`m d¥ÕËdmda _mV H aÊ`mgmRr g§emoYZ gwê Amho. Á`oð m§Mo _Zmo~c dmT oc AgoM ho {dMma AmhoV. Voìhm {_Ìm§Zmo, eo dQÀ`m jUmn`ª V AmnU AmZ§ Xr, Amamo ½`ny U© , XrKm© `w fr amhUma Amhmo V hr Iy UJmR _Zmer ~m§ Ym. hmM {dMma naV naV H am. hm {dMma am_Zm_mgmaIm amoO 100 doim åhUm. Ahmo, Ogm Vwåhr {dMma H aVm Vgo M hm o Vm, hm {gÕm § VM Amho . _mPr n« H¥ Vr RURUrV Amho Ago Zo h_r {_Ìm§ Zm hgy Z gm§ Jm, H mhr Wmo Sm \ ma Ìmg Agcm Var. H maU Vw _Mo {dMmaM Vw åhmcm C^mar Xo VmV. Vw _À`m earamV EH mda AR am eyÝ` EdT çm noer AmhoV. Vw_À`m _ZmVrc "_r j g§nmXH s` g§nmXH s` g§nmXH s` g§nmXH s` g§nmXH s` RURUrV Amho ' hm {dMma gJù`m no etZm nmo hmo MVmo d Ë`m Vê U {Xgm`cm cmJVmV. Mohè`mda Vw_À`m hgy \w Q Vo, Vwåhr EH Xm AmaemV nhm d åhUm H s, _r AmVm VéU {Xgy cmJcmo Amho. {_Ìhmo, hm Img à`moJ H ê Z nhmM. Vw_À`m ñdV:Mm AmË_{dídmg dmTo c. AmOma ZŠH sM H _r hm o D cmJVrc. H maU Vw _À`m {dMmam§ ZrM Vw _Mr VmH X dmTUma Amho . ^co _J Vw _Mo d` {H Vrhr Agmo. Vwåhmcm _mhrV Amho H s, Amnë`m earamVrc gd© no er, g§ ny U© dfm © V {d^mOZmZo ZdrZ hm o V AgVmV. aŠVmÀ`m àË`o H W| ~mVrc gd© no er Xa VrZ _{hÝ`m§ Zr {d^mOZm_w io ZdrZ hmo VmV. ømMm AW© Vw _Mo eara Oa EH m dfm© V ZdrZ no etMo ~ZVo Amho Va Vw åhr åhmVmao ZmhrM. AJXr VéU Vw H© AmhmV. Ahm o hmM emór` {gÕm § V Amho . Amho H s Zmhr J§ _V ? Vo ìhm VéUm § Zm o , AmVm H m_mcm cmJm. H emgmR r ? Ahmo , Vw åhmcm "go dm{Zd¥ Îmr Pmcr nw To H m` ?' qH dm "_mÂ`m H ënZoVrc gwIr g§gma' øm {df`mda "g§dmX' _m{gH mgmR r coI {chm`Mm Amho Zm ? d`mÀ`m 25 Vo 60 dfm©V Vw åhr CËH fm© Mr ^amar _macr, ~± Ho V à_mo eÝg Ko Vcr, Kao Pmcr, _w co CÎm_ {ZKmcr, Vw åhr gmgao /AmOmo ~m PmcmV. AmVm gmR rÀ`m diUmda ho nwT rc Vmê Ê` Vw_Mo EH ZdrZ H ar`a Ramdo øm ÑïrZo Ë`mH So nhm. H m` H am`Mo Amho Vo Radm. ^co Vw _Mo d` 60, 70 H mhrhr Agm o . qhXw Y_© emñÌmà_mUo Vw åhmcm 120 Ago ny U© Am`w î` Amho . ZdrZ g§ emo YZm_w io Vw åhr ømhr nw Trc ^amar _maUma AmhmV, Vo ìhm ßc° qZJ H am, {chm d gXa co I 31 _mM© 2009 n`ª V Z Mw H Vm nmR dm. Vw åhmcm ~{jg Xo Ê`mg Amåhr AmVwa AmhmoV, Am{U hmo, _hÎdmMo åhUOo ho coI Ago AgmdoV H s, gd© Á`oð m§Zr AmMaUmV AmUmdoV. "_r n§VàYmZ hmoUma', "_r M§Ðmda OmUma' Ago _wcm§gmaIo coI ZH moV. H maU AmVm AmnU Á`o ð Amhm o V, AZw ^dmZo g_¥ Õ Amhm o V Am{U Amncm CËgmh Xo Irc H m`_ Amho . Vo ìhm gdmª Zm ew ^o ÀNm. - eaX qeJdoH a - eaX qeJdoH a - eaX qeJdoH a - eaX qeJdoH a - eaX qeJdoH a

Transcript of SBI PEN. ASSN.'S SAMVAD - sbipensionerspune.orgsbipensionerspune.org/next final pages/download...

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Visit us at : www.sbipensionerspune.org e-mail : [email protected]

SBI PEN. ASSN.'S SAMVADSBI PEN. ASSN.'S SAMVADSBI PEN. ASSN.'S SAMVADSBI PEN. ASSN.'S SAMVADSBI PEN. ASSN.'S SAMVADñQ>oQ> ~±H$ noÝeZg© Agmo{gEeZ (_w§~B© gH©$b), nwUo `m§Mr J¥hn{ÌH$mñQ>oQ> ~±H$ noÝeZg© Agmo{gEeZ (_w§~B© gH©$b), nwUo `m§Mr J¥hn{ÌH$mñQ>oQ> ~±H$ noÝeZg© Agmo{gEeZ (_w§~B© gH©$b), nwUo `m§Mr J¥hn{ÌH$mñQ>oQ> ~±H$ noÝeZg© Agmo{gEeZ (_w§~B© gH©$b), nwUo `m§Mr J¥hn{ÌH$mñQ>oQ> ~±H$ noÝeZg© Agmo{gEeZ (_w§~B© gH©$b), nwUo `m§Mr J¥hn{ÌH$m

g§dmXg§dmXg§dmXg§dmXg§dmX_Zm_Zm§Mm _oi Owimdm Ÿ& ÛofmMm bdboe Zgmdm &&_Zm_Zm§Mm _oi Owimdm Ÿ& ÛofmMm bdboe Zgmdm &&_Zm_Zm§Mm _oi Owimdm Ÿ& ÛofmMm bdboe Zgmdm &&_Zm_Zm§Mm _oi Owimdm Ÿ& ÛofmMm bdboe Zgmdm &&_Zm_Zm§Mm _oi Owimdm Ÿ& ÛofmMm bdboe Zgmdm &&

gmXmgr à{VgmX {_imdm & dmX ZH$mo g§dmX Agmdm &&gmXmgr à{VgmX {_imdm & dmX ZH$mo g§dmX Agmdm &&gmXmgr à{VgmX {_imdm & dmX ZH$mo g§dmX Agmdm &&gmXmgr à{VgmX {_imdm & dmX ZH$mo g§dmX Agmdm &&gmXmgr à{VgmX {_imdm & dmX ZH$mo g§dmX Agmdm &&

Price Rs. 3/-

Vol.-1 Issue - 8 \o$~«wdmar> 2009\o$~«wdmar> 2009\o$~«wdmar> 2009\o$~«wdmar> 2009\o$~«wdmar> 2009 February 2009

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nU {_Ìhmo, H$mhr H$miOr H$ê$ ZH$m. H$mi \$ma nwT>o JococmAmho. {dkmZ AmVm àJV Pmcoco Amho. OJmÀ`m nmVirdad¥ÕËdmda g§emoYZ gwê$ AgyZ OJmV H$moUmcmM d¥ÕËd ody Z o,åhUyZ Ë`m d¥ÕËdmda _mV H$aÊ`mgmR>r g§emoYZ gwê$ Amho.Á oð>m§Mo _Zmo~c dmT>oc AgoM ho {dMma AmhoV. Voìhm {_Ìm§Zmo,eodQ>À`m jUmn ªV AmnU AmZ§Xr, Amamo½`nyU©, XrKm© wfr amhUmaAmhmoV hr IyUJmR> _Zmer ~m§Ym. hmM {dMma naV naV H$am. hm{dMma am_Zm_mgmaIm amoO 100 doim åhUm. Ahmo, Ogm Vwåhr{dMma H$aVm VgoM hmoVm, hm {gÕm§VM Amho. _mPr n«H¥$Vr R>UR>UrVAmho Ago Zoh_r {_Ìm§Zm hgyZ gm§Jm, H$mhr WmoS>m \$ma Ìmg AgcmVar. H$maU Vw_Mo {dMmaM Vwåhmcm C^mar XoVmV. Vw_À`m earamVEH$mda AR>am eyÝ` EdT>çm noer AmhoV. Vw_À`m _ZmVrc "_r

j g§nmXH$s`g§nmXH$s`g§nmXH$s`g§nmXH$s`g§nmXH$s`R>UR>UrV Amho' hm {dMma gJù`m noetZm nmohmoMVmo d Ë`m Vê$U{Xgm`cm cmJVmV. Mohè`mda Vw_À`m hgy \w$Q>Vo, Vwåhr EH$XmAmaemV nhm d åhUm H$s, _r AmVm VéU {Xgy cmJcmo Amho.{_Ìhmo, hm Img à`moJ H$ê$Z nhmM. Vw_À`m ñdV:MmAmË_{dídmg dmT>oc. AmOma ZŠH$sM H$_r hmoD$ cmJVrc. H$maUVw_À`m {dMmam§ZrM Vw_Mr VmH$X dmT>Uma Amho. co _J Vw_Mo d`{H$Vrhr Agmo. Vwåhmcm _mhrV Amho H$s, Amnë`m earamVrc gd©noer, g§nyU© dfm©V {d^mOZmZo ZdrZ hmoV AgVmV. aŠVmÀ`m àË oH$W|~mVrc gd© noer Xa VrZ _{hÝ`m§Zr {d^mOZm_wio ZdrZ hmoVmV.ømMm AW© Vw_Mo eara Oa EH$m dfm©V ZdrZ noetMo ~ZVo Amho VaVwåhr åhmVmao ZmhrM. AJXr VéU VwH©$ AmhmV. Ahmo hmM emór`{gÕm§V Amho. Amho H$s Zmhr J§_V ? Voìhm VéUm§Zmo, AmVm H$m_mcmcmJm. H$emgmR>r ? Ahmo, Vwåhmcm "godm{Zd¥Îmr Pmcr nwT>o H$m` ?'qH$dm "_mÂ`m H$ënZoVrc gwIr g§gma' øm {df`mda "g§dmX'_m{gH$mgmR>r coI {chm`Mm Amho Zm ? d`mÀ`m 25 Vo 60 dfm©VVwåhr CËH$fm©Mr amar _macr, ~±Ho$V à_moeÝg KoVcr, Kao Pmcr,_wco CÎm_ {ZKmcr, Vwåhr gmgao/AmOmo~m PmcmV.

AmVm gmR>rÀ`m diUmda ho nwT>rc Vmê$Ê` Vw_Mo EH$ ZdrZH$ar`a R>amdo øm Ñï>rZo Ë`mH$S>o nhm. H$m` H$am`Mo Amho Vo R>adm.^co Vw_Mo d` 60, 70 H$mhrhr Agmo. qhXw Y_© emñÌmà_mUo Vwåhmcm120 Ago nyU© Am wî` Amho. ZdrZ g§emoYZm_wio Vwåhr ømhr nwT>rc^amar _maUma AmhmV, Voìhm ßc°qZJ H$am, {chm d gXa coI 31_mM© 2009 n ªV Z MwH$Vm nmR>dm. Vwåhmcm ~{jg XoÊ`mg AmåhrAmVwa AmhmoV, Am{U hmo, _hÎdmMo åhUOo ho coI Ago AgmdoVH$s, gd© Á oð>m§Zr AmMaUmV AmUmdoV. "_r n§VàYmZ hmoUma',"_r M§Ðmda OmUma' Ago _wcm§gmaIo coI ZH$moV. H$maU AmVmAmnU Á oð> AmhmoV, AZw dmZo g_¥Õ AmhmoV Am{U Amncm CËgmhXoIrc H$m`_ Amho. Voìhm gdmªZm ew oÀN>m.

- eaX qeJdoH$a- eaX qeJdoH$a- eaX qeJdoH$a- eaX qeJdoH$a- eaX qeJdoH$a

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February 2009 SAMVAD

(Ref : Corporate Centre e-Circular No.CDO/P&HRD-PM/98/2008-09 Dated 12-02-2009 ) Table-1 RATES OF DEARNESS RELIEF PAYABLE TO PENSIONERS Annexure-I WHO HAVE RETIRED (A) PRIOR TO 1-11-1987 and (B) BETWEEN 1-11-1987 & 31-10-1993 Sr. No. Basic Pension + F.D.R. Dearness Relief for the months

(as applicable) February 2009 to July 2009(Average Index - 3370) (Slabs - 692)

i) Upto Rs.1,250=00 463.64 % of aggregate of Basic Pension & F.D.R.

ii) Rs.1,251=00 to Rs.2,000=00 Rs.5,795=50 + 380.60 % of aggregate of BasicPension & F.D.R. in excess of Rs.1,250=00

iii) Rs.2001=00 to Rs.2,130=00 Rs.8,650=00 + 228.36 % of aggregate of BasicPension & F.D.R. in excess of Rs.2,000=00

iv) Above Rs.2,130=00 Rs.8,946=87 + 117.64 % of aggregate of BasicPension & F.D.R. in excess of Rs.2,130=00

Table-2 DEARNESS RELIEF PAYABLE TO PENSIONERSWHO HAVE RETIRED ON OR AFTER 1-11-1993 UPTO 31-10-2002

Sr. No. Basic Pension Dearness Relief for the monthsFebruary 2009 to July 2009(Average Index - 3370) (Slabs - 555)

i) Upto Rs.2,400=00 194.25 % of Basic Pension

ii) Rs.2,401=00 to Rs.3,850=00 Rs.4,662=00 + 160.95 % of Basic Pension in excess of Rs.2,400=00

iii) Rs.3,851=00 to Rs.4,100=00 Rs.6,995=77 + 94.35 % of Basic Pensionin excess of Rs.3,850=00

iv) Above Rs.4,100=00 Rs.7,231=64 + 49.95 % of Basic Pensionin excess of Rs.4,100=00

Table No.3 Dearness Relief payable to Pensioners who have retired on or after 1-11-2002for the months from February 2009 to July 2009

(Average Index - CPI - for quarter ended June 2008 :- 3370 ; and No. of Slabs - 270)Rate of Dearness Relief on Pension (Ignore decimals from 3rd place onwards) :- 48.60 % of Basic pension

Dearness Relief payable to Family Pensioners Annexure - II (i) Dearness Relief for Family Pensioners whose spouse (Pensioner) died or retired (a) before 1-11-1993 (b) on or after 1-11-1993 but before 1-4-1998 and (c) on or after 1-11-2002 will be paid as per the tablesgiven for the pensioners in Annexure-I. (ii) The Dearness Relief of Family Pensioners whose spouse (Pensioner) died or retired on or after 1-4-1998 but before 1-11-2002 will be as per the following table :-Sr.No. Basic Family Pension Dearness Relief for the months Feb. 2009 to July 2009

(Average Index - 3370) (Slabs - 421) i) Upto Rs.3,550=00 101=04 %

ii) Rs. 3,551=00 to Rs. 5,650=00 Rs. 3,586=92 + 84.20 % of Basic Family Pension inexcess of Rs. 3,550=00

iii) Rs. 5,651=00 to Rs. 6,010=00 Rs. 5,355=12 + 50.52 % of Basic Family Pension inexcess of Rs. 5,650=00

iv) Above Rs. 6,010=00 Rs. 5,536=99 + 25.26 % of Basic Family Pension inexcess of Rs. 6,010=00

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February 2009 SAMVAD

S.B.I.Pensioners’ Association(Mumbai Circle), Pune

Panaji (GOA) Zonal Sub-CentreNotice of the Annual General Meeting11th Annual General Meeting of our Panaji (Goa)

Zonal Sub-Centre will be held on Sunday the 12th April2009 at 9.30 a.m. at State Bank Complex, PattoPlaza, behind Kadamba Bus Terminal, New Buildingof Staff Training Centre, Panaji (Goa) to transact thefollowing business.

AGENDA1) To condole the death of Bank’s Pensioners/Family

Pensioners and Associate members whosenames were reported after the last AGM.

2) To confirm the Minutes of the last AGM.3) Managing Committee’s Report for the year 2008

to be read, discussed and adopted.4) To honour the Senior Members who have

completed / will be completing 75 years of ageduring the period from 31-03-2008 to 12-04-2009.

5) Speech of the Chief Guest6) Speech of the President of Panaji (Goa)

Sub-Centre7) Speeches of the special invitees & office-bearers

of our Circle Association.8) Any other business with the permission of the

Chair.All the members from Goa, Ratnagiri &

Sindhudurg Districts are requested to attend themeeting.

The Pensioners’ Meet arranged by the Bank onthe same day will start at 12.00 noon at the samevenue as above. All members in Ratnagiri/SindhudurgDistricts and Panaji (Goa) Module area of operationare requested to attend the meeting. Please informother members known to you regarding AGM.

Snacks/Tea will be followed by lunch. Pleasenote that no separate Notice of this Annual GeneralMeeting will be sent to the members.

I.H.Dias Secretary

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February 2009 SAMVAD

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Congratulations ! One of our members from Nagpur

Shri.Anil V. Patki has been appointed asManaging Director of "Shri NarkesariPrakashan", well-known Printers and News-paper publishers of "Daily Tarun Bharat"from Nagpur. Before retirement in August2007 Shri.Patki served the Bank successfullyin various capacities including as a BranchManager of our Amravati & ChandrapurBranches. He is also, at present, a 'VidarbhaPrant Sampark Pramukh' of RSS.

While congratulating him on behalf of ourAssociation we wish him a success in his newassignment as Managing Director of ShriNarakesari Prakashan.

We also heartily congratulate MissAarti Vakil, daughter of Shri.Jayant Vakil,Secretary of our Nagpur ZSC, for winning a"Silver" medal in 'Chess' competition heldduring 41st All India Central Revenue SportsMeet 2008-09 held at Mumbai. We wish hergrand successes in future also.

- Secretary

A{^Z§XZr`A{^Z§XZr`A{^Z§XZr`A{^Z§XZr`A{^Z§XZr`Amnë`m g§KQ>ZoMo AZoH$ g^mgX "Z _o H$_©\$co ñn¥hm'

Aem d¥ÎmrZo gmd©O{ZH$ H$m_ H$arV AgVmV ho Iao. Ë`m§À`m{Zanoj H$m_mMr nmoM nmdVr g_mO H¥$VkVmnyd©H$ XoVmo.

Amnco J«§Wmc` Mmc{dUmao EH$ H$m ©H$V} lr.gw mf JmoqdX~ocgao m§Mm "Á oð> ZmJ[aH$ g§K ào_ZJa n[aga, nwUo 37'`m§À`m dVrZo AmXe© godmd«Vr H$m ©H$Vm© Q´>m°\$s XodyZ ZwH$VmMJm¡ad H$aÊ`mV Amcm. lr.~ocgao m§Mo ghf© A{^Z§XZ.

- goH«o$Q>ar

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February 2009 SAMVAD

District-wise Alphabetical List of New Members admitted after August 2008(Kindly refer earlier list printed in SAMVAD for August 2008)

Pensioner MembersAhmednagarPM/9485 MR.NARAYAN J. DARANDALEPM/9603 MR.SANTOSH L.GOREPM/9487 MRS.HARSHADA H. KOLHATKARPM/9538 MR.VIJAYKUMAR G.WALUNJKARPM/9441 MR.SUREH D.MATTEAkolaPM/9597 MR.VIJAY K.CHOPDEPM/9595 MR.JAYANT S.MAHAJANPM/9596 MR.SHAMRAO K.MISALEPM/9627 MR.GAJANAN B.SADATKARPM/9562 MR.SUDHAKAR VISHNU WASEPM/9574 MR.ASHOK D.KHANDAREAmravatiPM/9572 MR.SUREH BAPURAO PIDADIPM/9571 MR.MOHD.JAFAR QURESHIPM/9591 MR,PRAMOD S.THETEPM/9455 MR.NITIN B.UMARIKARBuldanaPM/9599 MR.RAMESH N.GADEKARPM/9598 MR.BAPURAO N.GAIKWADPM/9600 MR.MANOHAR D.JADHAVPM/9601 MR.VASANT O.KATKARDombivaliPM/9606 MR.DILIP SHANTARAM KULKARNIPM/9527 MR.VIDYADHAR A.DESHPANDEPM/9444 MR.SUBHASH P. SAPREPM/9443 MR.BHIKU MAHADEV TAMBEPM/9469 MR.CHANDRAKANT L.UTEKARPM/9470 MR.ANANT SADASHIV BANEGoaBM/9544 MR.COSMOS D.FERNANDESPM/9434 MR.DEVENDRA MADHAV GAWASKARPM/9543 MR.MUKUND J.KAMATPM/9484 MR.SURESH S.KAMULKARPM/9436 MR.SHRIVALLABH G. KHARANGATEPM/9494 MR.ASHOK B.MALKAERNEKARPM/9545 MR.NARSINH M MANGESHKARPM/9541 MR.YESHVANT BALA NAIKPM/9629 MR.MAHAN HARI PARVATKARPM/9542 MR.MARIO DA COSTA PEREIRAPM/9618 SMT.THELMA A.E.PEREIRAPM/9435 SMT.MILAN DATTARAM SALKARPM/9617 MR.YAHIYA M.SHAIKHPM/9628 MR.DEEPAK K.SOLANKIPM/9513 MR.SANTANO FRANCIS VIEGAS

JalgaonPM/9433 MR.SUDHAKAR KASHINATH JOSHIPM/9547 MR.ATMARAM TULSHIRAM PATILPM/9432 MR.SHIVAJI DASHRATH SANANSEPM/9492 MR.RAVINDRA L.SHIMPIPM/9462 MR.SHASISHEKHAR P.KULKARNIPM/9536 MR.ANANDRAO T.SALUNKHEPM/9431 MR.GOPINATH ZAMBAR SHIMPIBM/9463 MR.PRALHAD PIRAJI THAKURKolhapurPM/9537 MR.NANDKUMRA R. KULKARNIPM/9495 MR.NOORMOHAMED S.MULANIPM/9540 MR.GOVIND P.PARANJAPEPM/9488 MR.JAYANT B.RUKADIKARPM/9437 MR.SURESH DINKARRAO SAWANTPM/9466 MR.SITARAM G.ZEPLEPM/9515 MR.JOTIRAM TUKARAM PATILPM/9496 MR.PRATAP V.SARDESAIPM/9464 MR.PRAKASH DADABA SHINDELaturPM/9461 MR.PANDURANG R.DESHMUKHMumbaiPM/9548 MR.ULLHAS KHANDERAO AJINKYAPM/9507 MR.ARUN DAMODAR ARASPM/9524 MR.GURURAJ KRISHNA AVDHANIPM/9450 MR.ANIL ANKUSH BAGAYATKARPM/9554 MR.MOHAN P.BALVALLIPM/9528 MR.MAHADEO NARAYAN BANDEKARPM/9530 MR.ARVIND EKNATH BANDODKARPM/9517 MR.DIWAKAR YESHWANT BHAVEPM/9499 SMT.YASMIN ASHOK BHISEPM/9478 MRS.PRIYA VIVEK CHANDANPM/9521 MR.PRAKASh K.CHANDSARKARPM/9550 MR.DNYANOBA T. CHAPHEKARPM/9520 MR.PHIROZE F. DARUWALLAPM/9483 MR.SADIQ MOHSINBHAI DASPM/9472 MR.MANCHI F.DAVERPM/9475 MR.SUDARSHAN K.DEORUKHKARPM/9531 MR.VISHWANATH T.DHULAPPM/9447 MRS.JYOTI R.INAMDARPM/9611 MRS.RAJASHREE J.JOSHIPM/9482 MR.SHRIKRISHNA G.KAMERKARPM/9453 MR.RAMESH NARSU KANCHANPM/9446 MR.ARVIND J. KHADAMKARPM/9522 MR.HIRALAL M. KODWANEYPM/9442 MRS.REKHA SUNIL KSHIRSAGARPM/9477 MR.ANAND T.KUDALKAR

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February 2009 SAMVAD

PM/9471 MR.ANAND GAJANAN LAVAHATEPM/9479 MR.R.B.MANSUKHPM/9505 MR.CHANDRAKANT N.PHANSEKARPM/9449 MR.YOGENDRA A.PIKLEPM/9609 MR.S.R.PRABHUKHADPEPM/9445 MRS.DHANLAKSHMI RAGHUVARANPM/9529 MR.RAMESH R.RANEPM/9448 MR.PUNJARAM G.SANAPPM/9506 MR.HARISH V.SAWANTPM/9523 MR.SURYAKANT G. SHAHPM/9519 MR.NAUSHAD M.SHAIKHPM/9476 MR.VILAS VITHAL SHINDEPM/9481 MRS.ROSY ALVITO SOARESPM/9474 MR.BEHERAM J.SUKHESWALAPM/9510 MR.DEEPAK K.TALPADEPM/9473 MRS.SHUBHADA R. TATKEPM/9549 MR.RAMESH WAMAN TAYSHETEPM/9518 MRS.VANDANA B.TELANGPM/9452 MR.NIRANJAN B.VADHAVKARPM/9525 MR.DIGAMBAR R.VANJAREPM/9509 MR.B.VISHWANATHPM/9511 MR.A.N.WADEKARPM/9551 MR.VISHWANATH S.JOSHIPM/9613 MR.GIRIDHAR T.PAWARNagpurPM/9569 MR.BALIRAM N.BHAISAREPM/9566 MR.PRAKASH A.BORADKARPM/9602 MR.DATTATRAYA R.DEGWEKARPM/9625 MR.AMOB CHINTAMANI DEOPM/9561 MR.ARVIND D.DESHKARPM/9560 MR.MUKTANAND M.DONGREPM/9623 MR.MORESHWAR R.DUSSAWARPM/9577 MR.VIJAY D.GUNDAPWARPM/9559 MR.HARIBHAU PUNDLIKRAO INGOLEPM/9565 MR.RAMESHWAR S.INJEWARPM/9624 MR.JANARDAN R.KADUPM/9570 MR.PRAMOD R.KATEPM/9592 MR.JAGDISHCHANDRA R.KHEKALEPM/9568 MRS.CHANDA S.MADANKARPM/9593 MR.AJIT SHRINIWAS MARATHEPM/9567 MR.LALBAHADUR V.MURARKARPM/9563 MR.CHANDRAKANT D.PANDEPM/9576 MR.NILKANTH M.PARATE.PM/9575 MR.SHAMRAO M.RAMTEKEPM/9594 MR.PUNDLIK K.SAHAREPM/9590 MR.PRAKASH R.WAGARKARNandurbarPM/9493 MR.SHIVAJI KHANDU KANADE

NashikPM/9581 MR.DILIP G.BELAPURKARPM/9489 MR.SHARAD M.DESHMUKHPM/9490 MR.ASHOK CHINTAMAN MOREPM/9535 MR.BHASKAR DHONDIRAM MOREPM/9465 MR.SUHAS VAMAN WANIPM/9558 MR.VISHWAMITRA L.RAMAWATPM/9582 MR.PUNDLIK LAXMAN THORATPunePM/9615 MR.SANTOSH ANANDA BARIPM/9424 MR.VIRENDRA BRAGANZAPM/9438 MRS.SWATI ABHAY CHAUDHARIPM/9557 MR.PRAVINKUMAR D.DESAIPM/9498 MR.ANIL ANANTRAO DESHPANDEPM/9425 MR.RAJANIKANT R.DHOBLEPM/9429 MR.RAVINDRA R.DHONGADEPM/9619 MR.MOHAN SONBA GAIKWADPM/9512 MR.ABDULLA GUDUBHAI GAJEKHANPM/9614 MR.VILAS VASUDEO GANDHEPM/9587 MR.SHRIKANT N.GULVANIPM/9503 MR.T.HARISHPM/9620 MRS.MANIK RAVINDRA JAVKHEDKARPM/9439 MR.BHALCHANDRA R.JOSHIPM/9514 MR.SUDHIR V.JOSHIPM/9491 MR.MADHUKAR J.KASATPM/9588 MR.RAMBHAU D.KHAJBHAGEPM/9440 MRS.SWATI P.KHAMBETEPM/9622 MR.DATTATRYA S.KHATAVKARPM/9427 MR.APPASAHEB DEU KURUNDWADEPM/9423 MRS.SANJIWANI D. MOHOLKARPM/9426 MR.TAHERKHAN K.MULLAPM/9589 MR.VYANKATESH L.NARAYANKERIPM/9497 MR.BALU KISAN NARWADEPM/9430 MRS.VINAYA VISHWAS PAWAGIPM/9585 MRS.ANUJA ANIL PONKSHEPM/9621 MR.RAJENDRA R.SAHASRBUDHEPM/9584 MR.UTTAMRAO DEORAO SALUNKHEPM/9534 MR.DNYANESHWAR S.TAMBADEPM/9586 MR.PRAKASH SHRIPAD THUSEPM/9616 SMT.JAYSHREE S.TRYAMBAKEPM/9422 MR.SHIVRAM KISAN UNDERaigadPM/9555 MR.DAGDU BALAJI SHIRKERatnagiriPM/9630 MR.RAJAENDRA S. DHURATPM/9486 MR.BHALCHANDRA SHANKAR BHATPM/9459 MR.SHARAD D.VICHARESangliPM/9583 MR.PRAMOD MARUTI RAJDEEP

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PM/9468 MR.POPATRAO K.KARANDEPM/9467 MR.RAJARAM N.PAWARSataraPM/9456 MRS.PRANJALI P.KULKARNIPM/9458 MR.PANDURANG B.MAHADIKPM/9579 MR.VILAS SHAMRAO SALUNKHEPM/9460 MR.ABDULGANI M.SHAIKHPM/9578 MR.PRALHAD A.CHAVANPM/9457 MR.NAVNATH SHANKAR KADAMPM/9580 MR.SUDHIR B.TURKEWADIKARSolapurPM/9428 MR.BHAGWAT TUKARAM GAIKWADPM/9516 MR.PRABHU SADASHIV GHADGEPM/9546 MR.ANIL RAMCHANDRA PITAMBAREPM/9539 MR.MOHAMMAD S.A.Q.SHAIKHPM/9454 MR.SIDHESHWAR M.SUPEKARThanePM/9552 MR.AJITCHANDRA V.ABHYANKARPM/9605 MR.ARUN DATTATRAYA KULKARNIPM/9533 MRS.ANJALI ARUN LALITPM/9451 MRS.ASHA VIJAY NIMONKARPM/9556 MRS.VANDANA ANIL PATWEPM/9604 SMT.RASHMI D. SARANGDHARPM/9607 MRS.KIRTI H.SHEVADEPM/9532 MRS.ANJALI JAYANT VAIDYAPM/9504 MR.KUMAR AROKIA DASSPM/9610 MR.MANOHAR M.GAIKWADPM/9526 MR.DHAKTU LAXMAN HORAMBEPM/9553 MR.VISHWANATH T.JADHAVPM/9502 MR.PRADEEP BABU KARKERAPM/9480 MR.GHANSHYAM B.KHAIREPM/9612 MR.LILADHAR G.NANDESHWARPM/9501 MR.ANAND R.PATKARPM/9608 MR.NAVINCHANDRA G.RAUTPM/9508 MR.APPASAHEB R.SHINDEPM/9500 MR.MAHESH R.PURANDAREWardhaPM/9626 MR.SUDHIR NARAYAN BHINGAREPM/9573 MR.DATTARAYA V.THAKREWashimPM/9564 MR.DASHRATH K.UKANDE

Associate MembersAhmednagarAPM/8284 MRS.RATNAMALA N. DARANDALEAPM/8287 MR.HEMANT G. KOLHATKARAPM/8336 MRS.VARSHA V.WALUNJKARAPM/8249 MRS.SINDHU S.MATTE

AkolaAPM/8391 MRS.KANCHA V.CHOPDEAPM/8389 MRS.SANDHYA J.MAHAJANAPM/8390 MRS.USHA S.MISALEAPM/8414 MRS.MEERA G.SADATKARAPM/8359 MRS.SHOBHA S.WASEAPM/8370 MRS.VAISHALI A.KHANDAREAmravatiAPM/8368 MRS.SUREKHA S.PIDADIAPM/8367 MRS.ANJUM JAFAR QURESHIAPM/8385 MRS.PUSHPA P.THETEAPM/8262 MRS.RENUKA N.UMARIKARDombivaliAPM/8394 MRS.KUMUD D.KULKARNIAPM/8326 MRS.MINAL V.DESHPANDEAPM/8252 MRS.SNEHAL S. SAPREAPM/8251 MRS.PUSHPA BHIKU TAMBEAPM/8272 MRS.VASHALI C.UTEKARAPM/8273 MRS.KALPANA A. BANEGoaAPM/8341 MRS.ASHA MUKUND KAMATAPM/8283 MRS.SANGEETA S.KAMULKARAPM/8244 MRS.NEELIMA S.KHARANGATEAPM/8294 MRS.SEEMA A.MALKARNEKARAPM/8342 MRS.GEETA N.MANGESHKARAPM/8339 MRS.USHA YESHVANT NAIKAPM/8416 MRS.MIRA MOHAN PARVATKARAPM/8340 MRS.LIVINA DA COSTA PEREIRAAPM/8406 MRS.HASINA SHAIKHAPM/8415 MRS.HEMANTI D.SOLANKIAPM/8312 MRS.ESPERANCA S. VIEGASJalgaonAPM/8243 MRS.MADHURI SUDHAKAR JOSHIAPM/8344 MRS.SHKUNTALABAI A. PATILAPM/8242 MRS.PUSHPA SHIVAJI SANANSEAPM/8292 MRS.MUKTA R.SHIMPIAPM/8267 MRS.NEETA S.KULKARNIAPM/8334 MRS.ARUNA A.SALUMKHEAPM/8241 MRS.ALKA G.SHIMPIKolhapurAPM/8335 MRS.SUREKHA N.KULKARNIAPM/8295 MRS.JAINABAI N.MULANIAPM/8338 MRS.SUNITA G.PARANJPEAPM/8288 MRS.NEELIMA J.RUKADIKARAPM/8245 MRS.SHALINI SURESH SAWANTAPM/8269 MRS.SANGEETA S.ZEPLEAPM/8314 MRS.PRAMILA J.PATILAPM/8296 MRS.SHASHIKALA P.SARDESAIAPM/8270 MRS.HEMLATA P. SHINDE

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MumbaiAPM/8345 MRS.ARCHANA U.AJINKYAAPM/8306 MRS.REKHA ARUN ARASAPM/8323 MRS.HEMA G.AVDHANIAPM/8258 MRS.VEENA A.BAGAYATKARAPM/8351 MRS.JYOTI MOHAN BALVALLIAPM/8327 MRS.SEEMA M.BANDEKARAPM/8328 MRS.USHA ARVIND BANDODKARAPM/8316 MRS.DIPALI DIWAKAR BHAVEAPM/8278 MR.VIVEK B,CHANDANAPM/8320 MRS.JYOTI P. CHANDSARKARAPM/8347 MRS.JESSIE D.CHAPHEKARAPM/8319 MRS.MAHARUKH P. DARUWALLAAPM/8274 MRS.MAHROOKH M, DAVERAPM/8276 MRS.DARSHANA S.DEORUKHKARAPM/8329 MRS.VIJAYA V.DHULAPAPM/8255 MRS.RAVINDRA G.INAMDARAPM/8399 MR.JAYANT V. JOSHIAPM/8282 MRS.SARITA S.KAMERKARAPM/8260 MRS.HEMA R.KANCHANAPM/8254 MRS.UJJWALA A.KHADAMKARAPM/8321 MRS.PUNAM HIRALAL KODWANEYAPM/8250 MR.SUNIL M. KSHIRSAGARAPM/8277 MRS.JYOTI ANAND KUDALKARAPM/8279 MRS.MAHANANDA R.MANSUKHAPM/8304 MRS.VAISHALI C.PHANSEKARAPM/8257 MRS.SHUBHA Y. PIKLEAPM/8397 MRS.SANDHYA S.PRABHUKADPEAPM/8253 MR.SUBBIAH RAGUVARANAPM/8256 MRS.SUNITA P.SANAPAPM/8305 MRS.SUNETRA HARISH SAWANTAPM/8322 MRS.HARSHA S.SHAHAPM/8318 MRS.ANDLEEB NAUSHAD SHAIKHAPM/8281 MR.ALVITO G.SOARESAPM/8309 MRS.NUTAN D.TALPADEAPM/8275 MR.RAVINDRA B.TATKEAPM/8346 MRS.CHARUSHEELA R.TAYSHETEAPM/8317 MR.BHAVANISHANKAR M.TELANGAPM/8259 MRS.KAVITA N.VADHAVKARAPM/8324 MRS.DEEPA D.VANJAREAPM/8308 MRS.JAYASHREE VISHWANTHAPM/8348 MRS.VINAYA V.JOSHIAPM/8401 MRS.RANJANA G.PAWARNagpurAPM/8365 MRS.VIJAYA B.BHAISAREAPM/8362 MRS.CHITRA P.BORADKARAPM/8392 MRS.ROHINI D.DEGWEKARAPM/8412 MRS.VRUNDA DEOAPM/8358 MRS.APRNA A.DESHKAR

APM/8357 MRS.JAISHREE M.DONGREAPM/8410 MRS.SHOBHA M.DUSSAWARAPM/8373 MRS.JAYSHRI V.GUNDAPWARAPM/8356 MRS.MANISHA H.INGOLEAPM/8361 MRS.MANDAKINI R.INJEWARAPM/8411 MRS.VANDANA J.KADUAPM/8366 MRS.MADHVI P.KATEAPM/8386 MRS.JYOTSNA J.KHEKALEAPM/8364 MR.SHRIKRISHNA G. MADANKARAPM/8387 MRS.ANAGHA A.MARATHEAPM/8363 MRS.CHANCHALA L.MURARKARAPM/8372 MRS.SUDHA N.PARATEAPM/8371 MRS.SUDHA S.RAMTEKEAPM/8388 MRS.SANGITA P.SAHAREAPM/8384 MRS.RAJANI P.WAGARKARNandurbarAPM/8293 MRS.RAJANI S.KANADENashikAPM/8376 MRS.USHA D.BELAPURKARAPM/8289 MRS.MALTI SHARAD DESHMUKHAPM/8290 MRS.KAMALILNI A.MOREAPM/8333 MRS.SUSHILA BHASKAR MOREAPM/8268 MRS.MANGALA SUHAS WANIAPM/8355 MRS.BHARTI V. RAMAWATAPM/8377 MRS.INDUBAI P.THORATPuneAPM/8404 MRS.YAMINI S.BARIAPM/8234 MRS.LAURA BRAGANZAAPM/8246 MR.ABHAY S.CHAUDHARIAPM/8354 MRS.ANJALI P.DESAIAPM/8298 MRS.ANJALI ANIL DESHPANDEAPM/8235 MRS.VIDYA R.DHOBLEAPM/8239 MRS.PUSHPA R. DHONGADEAPM/8407 MRS.KUSUM MOHAN GAIKWADAPM/8311 MRS.HASINA A.GAJEKHANAPM/8403 MRS.VRUSHALI VILAS GANDHEAPM/8381 MRS.VIDYA S.GULVANIAPM/8302 MRS.SHAILA HARISHAPM/8408 MR.RAVINDRA V.JAVKHEDKARAPM/8247 MRS.SAVITA B.JOSHIAPM/8310 MRS.MADHURI V.JOSHIAPM/8313 MRS.SUPRIYA S.JOSHIAPM/8291 MRS.PREMLATA M.KASATAPM/8382 MRS.MANDA R.KHAJBHAGEAPM/8248 MR.PRAMOD S.KHAMBETEAPM/8409 MRS.ANURADHA D.KHATAVKARAPM/8237 MRS.SUGANDHA A.KURNDWADEAPM/8233 MR.DNYANESHWAR S.MOHOLKARAPM/8236 MRS.SAYEDA T. MULLA

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APM/8383 MRS.SUNITA V.NARAYANKERIAPM/8297 MRS,BABAI B.NARWADEAPM/8240 MR.VISHWAS R.PAWAGIAPM/8379 MR.ANIL K.PONKSHEAPM/8402 MRS.SHUBHADA A.SATHEAPM/8332 MRS.RATNAMALA D.TAMBADEAPM/8380 MRS.APARNA P.THUSEAPM/8405 MR.SHIVLAMG S.TRYAMBAKEAPM/8232 MRS.NALINI SHIVRAM UNDERaigadAPM/8352 MRS.SUNANDA D.SHIRKEAPM/8286 MRS.VRUSHALI B. BHATAPM/8266 MRS.SHEELA S.VICHARESangliAPM/8378 MRS.SUDHA P.RAJDEEPAPM/8271 MRS.SHOBHA P.KARANDEAPM/8285 MRS.MANGAL R. PAWARSataraAPM/8263 MR.PRAMOD M.KULKARNIAPM/8265 MRS.SUJATA P.MAHADIKAPM/8374 MRS.SHARDA V. SALUNKHEAPM/8264 MRS.SHASHIKALA N.KADAMAPM/8375 MRS.SUNITA S.TURKEWADIKARSolapurAPM/8238 MRS.RATAN B.GAIKWADAPM/8315 MRS.KAUSALYABAI P.GHADGEAPM/8343 MRS.VAISHALI ANIL PITAMBAREAPM/8337 MRS.SHAHNAZ M.S.SHAIKHAPM/8261 MRS.SHEELA S.SUPEKARThaneAPM/8349 MRS.VAIJAYANTI A.ABHYANKARAPM/8393 MRS.SMITA A.KULKARNIAPM/8331 MR.ARUN BHIKAJI LALITAPM/8353 MR.ANIL M.PATWEAPM/8395 MR.HEMANT D.SHEVADEAPM/8330 MR.JAYANT M.VAIDYAAPM/8303 MRS.MEENA AROKIA DASSAPM/8398 MRS.JAISHREE M.GAIKWADAPM/8325 MRS.SMITA D. HORAMBEAPM/8350 MRS.PRAMILA V.JADHAVAPM/8301 MRS.BHARATI P.KARKERAAPM/8280 MRS.VIMAL G.KHAIREAPM/8400 MRS.KAMAL L.NANDESHWARAPM/8300 MRS.ANJANA A.PATKARAPM/8396 MRS.PRAMILA N.RAUTAPM/8307 MRS.PRAFULLATA A.SHINDEAPM/8299 MRS.MANISHA M.PURANDAREWardhaAPM/8413 MRS.USHA S.BHINGAREAPM/8369 MRS.PRATIBHA D.THAKRE

WashimAPM/8360 MRS.LATA D.UKANDEFamily Pensioner MembersAhmednagarFPPM/1006 SMT.CHANDRAKALA K. KARLEGoaFPPM/1004 SMT.SUHASINI P.SHIGAONKARMumbaiFPPM/1002 SMT.YVONNE FERNANDESFPPM/1001 MR.MALCOLM T. LOPESNashikFPPM/1007 SMT.NALINI RAMESH GADHEPuneFPPM/1005 SMT.MEERA ARJUN ASWANIFPPM/1003 SMT.NIRMALA U. GADREFPPM/1010 SMT.INDUKALA K. POTDARSolapurFPPM/1009 SMT.RAJASHRI R. KULKARNIThaneFPBM/1008 SMT.MALATI VIJAY SAWANTWardhaFPBM/1011 SMT.KUSUM V.BHOSLE

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Sharpening Memory Despite Advancing Age It has been scientifically proved that the belief that brain deteriorates with advancing age is

not correct. Just like we do physical workouts to maintain our health, it is necessary to do brainworkouts to keep brain functions in order. “For brain power, it is not age which counts. At any age,persons can be guilty of neglecting mental fitness”.

Scientist have discovered that brain is a flexible living organism with an amazing capacity tochange and develops throughout life. In other words brain needs exercises to stay fit. Brainchanges constantly.Unless we know how brain functions, it is not possible to make use of itsremarkable abilities. Food for brain is knowledge of how it works and deploying means to keep itactive and fit. With proper use of techniques for brain workouts it will help to make use of themost of our brain at any time and to build this in the future.Positive Attitude and Brain Power

In China , senior citizens are still generally rewarded for their wisdom unlike the negativeconnotations for their age in the West. In Harvard study, researchers compared the memoryperformance of Chinese group with the one from the USA . There was no difference in youngsters.But, the older Americans were outperformed by the older Chinese, who have much more positiveattitude to aging. If we expect a life full of wisdom with stronger mental powers than ever, it is farmore likely that this would be the case. The scientist Edward Tamb in 1991 commenced his research and established “that the braincan completely revive itself and that areas not used regularly can be taken over by other functions”.The research reveals amazing ‘plasticity’ of brain.

The late Christopher Reeve who met with horse riding accident was completely paralyzedand was unable to breathe unaided. With the help of Dr. John Mc- Donald, a neurological surgeonat Washington University at St Louis started to retrain his body and mind. He also used visualizationtechniques and was the first documented paralysis patient who went from State A (total paralysis)to state C (state E is normal) when he died due to adverse effect of antibiotics.Learning Power Through out life

“One of the most astonishing things about the human brain is its remarkable capacity forlearning throughout life” ......... “ Give your brain an input and its neuronal wiring will charge andlearn. Without an input, that wiring stays unchanged, or even withers”, as stated by Tony Buzan.This is why brain work -outs are necessary to tone up formations through out life even whenphysical work outs are not feasible as is revealed by Christopher Reeves experience stated above.“One secret of age-proofing your brain, then, is to try something new” (at all times despite age).“The great thing about learning is that, the more you do easier it becomes..... driving a car, forexample, is tremendously complex task requiring a huge amount of co-ordination”. But, it is doneautomatically due to brain power.

David & Lipschitz, MD, Ph.D, says “Frankly, I hate the term ’age-related’ memory loss “........“ yet nearly every one assumes that memory loss and mental declines are somehow an inevitableaccompaniment to wrinkles and grey hair” He further states an example of a federal judge whowas active on the bench right until his death at age 84, showed absolutely no diminishment in hisknowledge and intellectual powers. Another case cited is of a business whiz who built one of thelongest department store chains in the US , always amazed with his mental speed and grasp ofdetails. “we are all familiar with the expression, ‘use it or lose it’. Compelling new research suggeststhat the brain, like any other part of the body, stays healthier the more it is exercised”.Brain Workouts

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He further states that “the study clearly showed that learning & mental activity throughoutlife is one of the best ways to ensure mental independence in later years”. Brain workouts could bereading books, writing letters learning a foreign language or different computer programming,solving cross words etc. “If you use your brain in a right way and keep challenging it, you candevelop its astounding potential at any age” as claimed by Tony Buzan. For more brain workouts,please read Tony Buzan’s book ‘Age Proofing your Brain’.

Run-of-the mill slips like forgetting where you put the car keys or spectacle are not loss ofmemory but absent mindedness. Forty years back, in early thirties I was once searching for thespectacle which I was wearing. These are cases of benign forgetfulness.

One of the most interesting causes of memory problems is vitamin B12 deficiency. Depression,alcohol, sleep disorders can cause memory problems. One of the main problems of loss ofmemory is overmedication. David Lipschitz has given a list of medicines which should not be usedby those over 65 years of age in his book, ‘Breaking the rules of Aging”. These are the drugs toavoid at all costs. The list includes sedatives, antacids, analgesic, tranquilizers and antispasmodicdrugs. You do not need all those pills.

There are number of ways to help prevent forgetting certain things. For example, telephonenumbers are split into two blocks as it is difficult to remember large blocks. Telephone numbers2438 0456 or 2820 2432 or 2834 1855 which have blocks easy to remember. Forming images inour mind or writing down on yellow sticky notes or carrying notes of what we have to do. Simply,keeping the book to which you referred for action enables you to act when you glance at the booklike informing some one the action point or taking medicine on a particular day.Good Health, Good Memory

It has been stated above that totally paralyzed Christopher Reeve improved his condition byuse of mind power when physical exercise was not possible.” Mental activity by itself may be agood thing, but there is increasing evidence that physical activity may be equally important atreducing the risk of memory disorders”.

You should keep your blood pressure healthy. Get your blood pressure checked periodically.You should also have necessary tests for diabetes, deficiency of vitamin B12 & thyroid hormone.Thyroid deficiencies are very common in those 70 years and olders, and forgetfulness is one ofthe most common symptoms. Make sure that your cholesterol is low.

Regular walks for at least half an hour and some aerobic exercises for,say ,10 to 15 minutesshould be done at least 5 times a week. You should rap the entire skull with knuckles and movefingertips firmly on the scalp in a rotary motion. This will help improving blood circulation tostimulate memory. While doing this it would be advisable to believe that your brain power willimprove and that advancing age does not deteriorate brain power, if physical & mental exercisesare done apart from regulating diet.

Senior citizens should develop new interests and talents for brain workouts. One shouldmaintain a strong social network and stay in touch with acquaintances. One should stay alert frodepression.Importance of Spirituality

Embracing spirituality is quite important for tranquility of mind. Religiousness is differentfrom spirituality. There is good evidence that people who cultivate spiritual learnings tend to behealthier than those who don’t.

Researches have taken a good look at the effects of prayer, meditation and spiritual practiceson long-term health and consequently memory & brain power.

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Kriya Yoga is a technique for union with the Infinite through a certain action or rite (Kriya).Kriya Yoga is twice referred in Bhagavad-Gita IV-29 & V 27-28. “Offering the inhaling breath intoexhaling breath and offering exhaling breath into the inhaling breath, the yogi neutralizes bothbreaths; thus he releases prana from the heart and brings life force under his control”. While doingkriya the person gazing at the point between the mid-spot of the eye-brows, controls his mind tobanish desire, fear & anger. For more information of the subject, please refer to chapter 26, ‘TheScience of Kriya Yoga’ in Autobiography of a Yogi by Paramahansa Yogananda.Conclusion

Mental health of many retirees is better than that it was prior to retirement. Surveys showthat most people find retirement to be a liberating time. They have less anxiety and stress andthey enjoy life more than they did during their working years.

Note: This compilation has been made for the benefit of fellow retirees to give to themcondensed information for sharpening memory and enjoying the remaining life.

- S V Naik , Ph # (022) 28360249; Cell # 9821127616

Congratulations Dr. Santosh ThakurDr. Santosh Thakur, son of Mrs. & Mr.

Bhaskar Thakur, our member from Thane,has secured First Rank and topped in theM.D.(Medicines) examination from MumbaiUniversity.. He also secured the followingmedals and prizes :-

1) The Prince of Wales Gold medal;2) Dr.Chunibhai Shankarbhai Patel

Gold Medal;3) Dr.V.S.Palekar Memorial Prize;4) Dr. Latif patel Prize;5) Late Dr. R.B.Bilimoria Prize;6) Dr.Nusserwanji Fakirji Surveyor,

Shirinbai Nusserwanji Surveyor,Khodabux Nusserwanji Surveyor &Noshirwan Khodabux SurveyorMemorial Scholarship for the year2008; and

7) The Hansraj Pragji ThackerseyPrince of Wales Fellowship for theyear 2008;

Dr. Santosh did his M.B.B.S. fromG.S.Medical College, parel, mumbai and hisM.D. from Nair Hospital, Mumbai.

On behalf of our Association, we heartilycongratulate Dr. Santosh for his excellentand examplary performance in his career !We are proud of you !!

Attention Please(1) Have you done Nomination to youraccount/s ? Please verify the position in thisrespect from your Home branch where youare maintaining your account/s. It isobserved that when the "Core-Banking"system was introduced, the record ofnominations was not carried over and theold nomination entries in the Ledgers arenot appearing in the "Core BankingAccount/s". If no record is found in yourcomputer account, please apply afresh forthe nomination after going to your Home-Branch. On making fresh application, youwill get an acknowledgement-letter fromthe Bank within a fortnight or so, whichshould be preserved for future reference.(2) Have you got your Family Pensionsanctioned? If not already done, please doso to avoid inconvenience to your spousein future.(3) Have you preserved copies of allsanctions/calculation sheets in respect ofyour Pension/Provident Fund/Gratuity etc.?(i.e. your terminal benefits). This should bedone for your future ready references in caseof need.

- Secretary

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February 2009 SAMVAD

S a l u t a t i o n s a n d A p p e a lRecalling Heroes, Martyrs and Innocent Victims of 26/11

We address this appeal to the good sense and conscience of the esteemed members of SBIPensioners' Association, inviting them to donate for a sublime cause.

The Mumbai carnage shocked and saddened the civilised world. No strangers to terroristviolence, both homegrown and cross-border, the Indian people are nevertheless aghast at themagnitude of the mindless massacre, numb with grief at the sheer scale of human tragedy. Thecollective conscience of mankind has awakened once more to the challenge of combating globalterrorism.

The wound inflicted by the tragic occurence has cut deep into our social psyche and nationalconsciousness. The urge to avenge the wrong has seized our being. Our pent up anger boils over.Our seething frustration seeks a vent. Our sense of outrage hardly finds an outlet.

We mourn the loss of human lives and offer prayers and condolences. We salute the va;ourand sacrifice of our police brethren who died that we might live. We go public with our sympathyby putting up banners, boards and memorials. We light candles. We hold protest marches. Weconduct meetings. We form human chains to symbolize our unity and solidarity in this dark hourof trail.

These doubtless make for spontaneous outpourings of public outrage and are genuineexpressions of our empathy for the bereaved and the aggrieved. Gestures not backed by concreteaction though are no better than tokenism. We must go beyond protests, prayers and gestures andharness public feelings to channel them into constructive endeavors.

As we clamour for culprits to be brought to swift and summary justice, bemoan system andsecurity failure notwithstanding inputs and recurring tragic experience and haul the governmentover the coals for inefficiency, do we ask ourselves what humanitarian service on our part willhonour the memory of our fellow citizens who had to pay with their lives for no fault of theirs?

We cannot foolproof the society against man-made disasters and natural calamities. We cansurely hope to minimize the virulence of their impact.

One way to do so is to contribute towards the establishment of a chain of Hospitals accrossthe length and breadth of the country. These would provide succour and treatment to the victimsof violence, be it through war or terror, so that innocent lives are saved. With the sole motiveof social service, recently a team of highly qualified young doctors has voluntarilyinitiated one Hospital at Nashik, named as "Shri. Guruji Rugnalaya". Bhosal MilitarySchool, Nashik has donated 5 acres of land for this integrated Hospital which is under constructionsand could do with financial assistance for early completion.

The signatories of this appeal have already donated one full month's pension for the purpose.May we call upon to our ex-colleagues in SBI Mumbai Circle to emulate this worthyexample and support a noble cause by donating a month's pension? This could be amost meaningful tribute to the hallowed memory of the heroes, martyrs and innocent victims of26/11.

The cheques / drafts should be drawn in favour of "Shri Guruji Rugnalaya, Nashik" andforwarded to Shri.Guruji Rugnalaya, Umiya Apartments, 2nd Floor, Dr. Hedgewar Chowk, CanadaCorner, Nashik - 422005. (Phone Nos.(0253) 2318601/602. e-mail : [email protected] donations to the Rugnalaya are exempted from Income-tax inder section 80-G, (Reg.No.F-1628/88)

- K.G. alias Nana Gore & D.B.Deshmukh

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Agmhr EH$ "{gŠ`w[aQ>r MoH$' !Agmhr EH$ "{gŠ`w[aQ>r MoH$' !Agmhr EH$ "{gŠ`w[aQ>r MoH$' !Agmhr EH$ "{gŠ`w[aQ>r MoH$' !Agmhr EH$ "{gŠ`w[aQ>r MoH$' !E{àc 2004 Mr Jmoï> ! Ë`mdoir _r ñQ>oQ> ~±Ho$V EH$

emIm{YH$mar åhUyZ H$m_ nhmV hmoVo Am{U emIm{YH$mè`m§À`mà{ejUmgmR>r _r h¡Ðm~mXcm Om`cm {ZKmco hmoVo. Xwnmar 3.30dmOVmMo {d_mZ hmoVo. Voìhm 2 dmOon ªV nmohmoMmdo åhUyZ _rKamVyZ EH$À`m gw_mamg {ZKmco. [ajmV ~gVmZm _cm AmR>dcoH$s g\©$ ¿`m`Mm am{hcm. _J _r _cm [ajmn ªV gmoS>m`cmAmcoë`m _mÂ`m _wcrcm n¡go {Xco Am{U g\©$ KoD$Z `m`cmgm§{JVco. {VZo MQ>H$Z OmD$Z g\©$Mo EH$ nmH$sQ> AmUco. g\©$Am{U Cacoco gwQ>o n¡go Agcocr ßc°pñQ>H$Mr {nedr {VZo _mÂ`mhmVmV {Xcr. _r Vr _mÂ`m ~°JoV R>odcr Am{U {ZKmco.

{d_mZVimda _r cdH$a nmohmoMco hmoVo Am{U _mÂ`mH$S>o\$mago gm_mZhr ZìhVo; åhUyZ _r BH$S>o{VH$S>o {\$ê$Z {Q>.ìhr.~KV ~gco Am{U AJXr gmdH$me Odi Odi eodQ>M{gŠ w[aQ>r MoH$gmR>r Joco. {gŠ w[aQ>r MoH$ H$ê$Z _r ~mo{S>ªJgmR>rJoco, Va _cm {VWë`m A{YH$mar ~mBªZr AS>dco Am{U {gŠ warQ>rMoH$ H$ê$Z _J m, Ago gm§{JVco. _r AmVmM {gŠ warQ>r MoH$H$ê$Z Amco Agë`mMo gm§JVmM, "~°Joda Vgm {eŠH$mAgë`m{edm` ~mo{S>ªJ H$aVm oUma Zmhr; Voìhm Vgm {eŠH$m_mê$Z AmUm, _J gmoS>oZ _r Vwåhmcm,' Ago {VZo _cm gm§{JVco.

Amåhr XmoKr ~mocV Agë`mMo nmhÿZ, Xwgam A{YH$mar nwT>oAmcm. Ë`mZo _cm Amnë`m~amo~a {gŠ w[aQ>r MoH$ H$mD§$Q>acm`m`Mr {dZ§Vr Ho$cr. {VWo Joë`mda {VWo Agcoë`m ñH«$sZda_mÂ`m ~°JoV H$mhr Amjonmh© Agë`mMo {XgV Agë`mZo, _mÂ`m~°Joda {eŠH$m _macocm Zmhr, Ago _cm gm§JÊ`mV Amco.

_cm EH$X_ _Om dmQ>cr, "Vwåhr _mPr ~°J CKSy>Z nmhÿeH$Vm, Ë`mV H$mhrhr Amjonmh© qH$dm dmdJo gmnS>Uma ZmhrVwåhmcm,' Ago _r Ë`m§Zm R>m_nUo gm§{JVco Am{U _r ~mOycmOmD$Z C^r am{hco. Vo nmhÿZ {VWcm Omo A{YH$mar gm_mZmVH$mhr Amjonmh© AmT>ië`mZo mo½` Vr H$m ©dmhr H$aV hmoVm. VmoEH$X_ _cm åhUmcm, "~Km, ~Km ~§XyH$ gmnS>cr !'

_r M{H$V hmoD$Z Ë`mÀ`mH$S>o nm{hco, Vgo Vmo hgyZ åhUmcm,"Vw_À`m ~°JoV Zmhr. Vw_À`m AmYrÀ`m àdmemÀ`m ~°JoV. nUAmVm Ë`m_wio, Vw_Mr ~°J {ŠcAa ìhm`cm doi cmJUma.'

_r {dMma H$ê$ cmJco. Amnë`m ~°JoV H$m` AgUmaAmjonmh© ? Am{U _J EH$X_ EH$ {dMma M_H$cm _mÂ`m _ZmV._mÂ`m ~°Jocm Hw$cwn Zmhr. g_Om Ë`m AmYrÀ`m àdmemZo _mÂ`mZH$iV _mÂ`m ~°JoV H$mhr Q>mH$co Agoc Va ? AmVm _mÌ_cm Iyn ^rVr dmQy> cmJcr. nU {^D$Z MmcUma ZìhVo. _rem§V C^r amhÿZ H$m` hmoVo Vo nhm`Mo Ago R>adco.

eodQ>r EH$XmMm Vmo A{YH$mar _moH$im Pmcm. _J Ë`mZo EH$Xm

_mÂ`mH$S>o Am{U EH$Xm _mÂ`m ~°JoH$S>o nm{hco. _J EH$mcm~mocmdyZ Ë`mZo _mPr ~°J naV MoH$ H$am`cm gm§{JVco. _cmEH$X_ hm`go dmQ>co. Am{U AmVm EH$XmMm {eŠH$m _mê$Z{_iUma, Ago dmQy>Z _r {ZpíM¨V Pmco. nU ~KVo Vmo H$m` ?~°J naV AS>H$cr hmoVr.

AmVm gdmªZmM CËgwH$Vm dmQy> cmJcr hmoVr. BVa A{YH$marhr{VWo Jmoim Pmco. naV ~°J MoH$ Ho$cr Jocr. naV ~°J ñH«$sZdaAS>H$cocr {Xgcr. _ZmV Zdc H$arV _r Ë`m§Zm nwÝhm nwÝhmgm§JV hmoVo, "Vwåhr ~°J CKSy>Z ~Km, Ë`mV H$mhrhr Amjonmh©gmnS>Uma Zmhr, _cm ImÌr Amho.'

Ë`mZo _cm gm§{JVco, "Vw_À`m ~°JoV EH$ Jmoc AmH$mamMrYmVyMr dñVy Amho, Á`m_wio ~°J ŠcrAa hmoV Zmhr. H$m` AmhoVo?' _r åhQ>co, "Aer H$mhr dñVy _mÂ`m ~°JoV Agë`mMo _cm{ZXmZ AmR>dV Var Zmhr.'

eodQ>r Ë`m§Zr ~°J CKSy>Z ~Km`Mo R>adco. EH$-XmoZßc°pñQ>H$À`m {neì`m Am{U _mPo H$nS>o EdT>oM gm_mZ hmoVo _mPo.EHo$H$ {nedr H$mTy>Z _mPr ~°J naV-naV MoH$ Ho$cr Jocr.eodQ>r EH$ ßc°pñQ>H$Mr {nedr gmnS>cr, {OÀ`m_wio ~°J naVnaV AS>dcr OmV hmoVr.

EìhmZm _cm, "AmVm H$m` hmoUma ?' åhUyZ H$miOr Am{U^rVrhr dmQy> cmJcr hmoVr, _Z AñdñW Pmco hmoVo. nU EH$sH$S>oVo ½dmhrhr XoV hmoVo, H$s H$mhrhr hmoUma Zmhr. H$maU ZmhrM AmhoAmnë`mH$S>o, H$mhrhr Amjonmh©!

AmVm Ë`m A{YH$mè`mZo {nedrV hmV KmVcm, Vr dñVy ~mhoaH$mT>m`cm. Vr dñVy Ë`mÀ`m hmVmcm cmJcr _mÌ, Vmo EH$X_OmoaOmoamV hgV gwQ>cm. Amåhr gd©M Ë`mÀ`m Vm|S>mH$S>o nhmVMam{hcmo. Vmo BVH$m hgV hmoVm H$s Vo ~KyZ H$mhrhr Z H$iVmhrAmåhr gd©M hgy cmJcmo.

_J Ë`mZo {nedrVyZ hmV ~mhoa H$mT>cm Am{U hmVmVcr Vr,"Jmoc AmH$mamMr YmVyMr dñVy' gdmªZm XmIdcr.

Vo hmoVo EH$ nmM én`mMo ZmUo ! g\©$ {dH$V KoVë`mda{_imcoco ! g\©$gH$Q> Vo ZmUo, _mÂ`m _wcrZo ßc°pñQ>H$À`m{nedrV Q>mH$co hmoV. _r Vr {nedr VerM _mÂ`m ~°JoV KmB©KmB©ZoQ>mH$cr ! Ë`mM ZmÊ`mZo hm EdT>m gJim Jm|Yi KmVcm hmoVm.

Vo ZmUo {_iVmM KmB©KmB©Zo hmV ~mhoa H$mT>VmZm Ë`mA{YH$mè`mÀ`m hmVyZ Vr g\©$Mr {nedr \$mQ>cr. Ë`mMo hmV g\©$Zo_mIco Am{U Vo Ywdm`cm Ë`mcm cJoM Omdo cmJco.

AZ² gwQ>Ho$Mm {Z:œmg Q>mH$VmZmM, Oa H$mhr {_imco AgVoMwHy$Z Va ? Va, _mPrM YwcmB© Pmcr AgVr. nU _mPr YwcmB©H$am`cm Q>ncoë`m Ë`m A{YH$mè`mMrM Aer YwcmB© Pmcr, Agm{dMma _ZmV Amë`mZo hgVM _r eodQ>r EH$XmMo ~mo{S>ªJ Ho$co.

- gwc^m nmQ>rc, gwc^m nmQ>rc, gwc^m nmQ>rc, gwc^m nmQ>rc, gwc^m nmQ>rc, _wcw§S> (nyd©) _w§~B©

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February 2009 SAMVAD

_m_mCno{jV, Jar~, nXX{cV cmoH$m§Zm ñdV:À`m nm`mda C o

amhÊ`mgmR>r gmYmaUV: 1982/83 À`m Xaå`mZ H|$Ðr`gaH$maZo H$_r ì`mOmMr (µDIR) Img H$O© `moOZm OmhraHo$cr d Vr gd© gaH$mar ~±H$m§Zm gŠVrMr Ho$cr. gd©Ì amoOH$O©_oimdo hmoV hmoVo. AgmM _r EH$m emIoV ho AO© VnmgUrMoH$m_ H$aV AgVm EH$ gw{e{jV nU Jar~ Agcocr _{hcmAmcr hmoVr. _mÂ`m g_moa A§XmOo 300/350 AO© hmoVo d _rEHo$H$mMr _wcmIV KoD$Z AO© {ZH$mcr H$mT>V hmoVmo. gmYmaUV:~aoM AO© mOr{dH«o$Vo, \o$ardmco, hmVJmS>rdmco m§Mo hmoVo. H$Om©MrJaO gmYmaUV: 2000 Vo 5000 Mr hmoVr d Vr gaH$mar`moOZoà_mUo hmoVr.

_wcmIV Mmcy AgVmZm _mPo cj darc _{hcoH$S>o Joco. _rË`m§Zm {dMmaco, "VmB© Amnco _mÂ`mer H$mhr H$m_ Amho H$m ?AmVm _r Oam H$m_mV Amho.'

Ëd[aV Ë`m _{hcoZo _mPo gdmªg_moa nm` Yaco. _cm B§J«OrVgm§{JVco, "AmnU _cm VmB© åhUyZ _mPm _moR>m gÝ_mZ Ho$cmV.nU Vwåhmcm ~m`~c _Yrc EH$ Jmoï> _m{hV AgocM. Var _røm gdmªg_moa WmoS>Š`mV gm§JVo, ^mD$, EH$ _{hcm dmam§JZmì`m{^Mmar AgVo. Iyn _ohZV H$ê$Z EH$m Mm§Jë`m dñVrV KaKoÊ`mgmR>r OmVo. Va g_mO {Vcm hmH$cyZ XoVmZm _mamd`mgcmJVmo. AMmZH$ oey {¼ñV> àJQ> hmoVmo Am{U gd© g_mOmcm{dMmaVmo H$s Agm Omo H$moUr Agoc, Á`mZo OrdZmV H$moUË`mhràH$maMm ì`m{^Mma, «ï>mMma, XwamMma Ho$cm Zgoc, Ë`mZo øm_{hcoda XJS> _mamdm. gd© g_mO _mJo hQ>cm d {Vcm dñVrVgm_mdyZ KoVco.' _mÂ`mgh gd© AO©Xmam§Mo S>moio nmUmdco. _rOam _Zmcm KÅ> H$ê$Z Ë`m _{hcocm {dMmaco, "Amncm H$Om©gmR>rAO© Amho H$m ?' Ë`m _{hcoZo gm§{JVco, "_cm ImocrgO{dÊ`mgmR>r \$ŠV 4000 ê$n`m§Mr JaO Amho. _cm _mÂ`mZdè`mÀ`m AMmZH$ _¥Ë`yZ§Va ì`m{^MmamMm _mJ© nËH$amdmcmJcm. _mÂ`m hþema _wcmgmR>r ZmBcmOmZo hm ì`dgm` H$aÊ`mgVWmH${WV g_mOgodH$m§Zr _cm mJ nmS>co Amho. H¥$n`m _cm_XV H$am. _r Zdam, _wcmMr enW KoD$Z gm§JVo H$s, AmncoH$O© EH$ dfm©V \o$S>oZ.' ho EoH$V AgVmZm EH$ ~Q>mQ>çmMm\o$ardmcm hmVJmS>rdmcm Amcm d Xhm hOma ê$n o H$O© _mJycmJcm. nU _r Ë`mcm \$ŠV 500 ê$n o H$O© _§Oya H$ê$ eH$VhmoVmo. Vmo ì`mnmar amoO amoO oV Ago d AZoH$ _mJmªZr Iyn X~mdAmUV Ago. EH$Xm Va EH$ amÁ`_§Ìr AmUyZ _mÂ`mda Vmo X~mdQ>mHy$ cmJcm. Ë`mM doir darc _{hcm AMmZH$ Amcr d H$Om©gmR>r{dZdUr H$ê$ cmJcr.

_§Ìr _hme` amJmZo åhUmco, "Vwåhr Aem ì`{^Mmar cmoH$m§Zm

H$O© XoVm d H$ï>mZo OJUmè`m N>moQ>çm ì`mnmè`mg H$m§ _XVH$aV Zmhr ?' _cm Voìhm H$ico H$s Vr _{hcm AZ¡{VH$ Y§XmH$aV hmoVr. _r H$mhr ~mocmd`mÀ`m AmV Vr _{hcm åhUmcr,"AmnU _mÂ`m Aghmæ`VoMm, _O~warMm \w$H$Q> \$m`Xm KoD$Z~XZm_r H$aVm ho gd© g_mOmcm _m{hV Amho.'

_r Ë`m ì`mnmè`mcm (hmV JmS>rdmcm) {dMmaco H$s, "AmnUamoO {H$Vr ~Q>mQ>o {dH$Vm d Xhm hOma ê$n o H$emgmR>r hdoAmhoV?' Vmo åhUmcm, "_r amoO 8/10 JmoUr ~Q>mQ>o {dH$Vmo.gmYmaUV: 1500/2000 ê$. amoO J„m O_Vmo.' åhUOo Ë`mì`mnmè`mMr dm{f©H$ CcmT>mc 5-6 cmI hmoVr. _r Ë`mcm BÝH$_Q>°Šg, goëg Q>°ŠgMr {dMmaUm Ho$ë`mda Vmo åhUmcm, "øm dñVyH$moR>o {dH$V {_iVmV.' eodQ>r Ë`mMm AO© {ZH$mcr H$mT>cm.

Ë`m _{hcoMr Jmoï> _r _mÂ`m ghH$mè`m§Zm d d[að>m§Zmgm§{JVcr. gdmªZr gm_m{OH$ ~m§{YcH$s åhUyZ Ë`m _{hcog _XVåhUyZ H$moUË`mVar moOZoV ~g{dÊ`mg gwM{dco. gXa _{hcogH$nS>çmMr \o$ardmcr XmIdyZ 4000/- ê$n o H$O© _§Oya Ho$co.Amü © åhUOo gXa _{hcoZo Ë`m n¡emMm gXwn`moJ H$ê$Z ~±Ho$MoH$O© 10 _{hÝ`mV \o$S>co.

Ë`m _{hcoZo H$ï>mZo Amnë`m _wcmg dmT>dyZ CÎm_ g§ñH$maXoD$Z OJà{gÕ Am ².Am ².Q>r g§ñWo_YyZ E_².Q>oH$. hr Cƒ nXdr{_idÊ`mg hmV^ma cmdcm. AmVm Vmo _wcJm EH$m ~hþamï´>r`H§$nZrV _moR>çm hþÚmda AgyZ Mm§Jcm pñWa Pmcm Amho. Ë`mMm{ddmh hmoD$Z Ë`mcm _wco ~mio AmhoV. Vmo Ë`mÀ`m AmB©cm KoD$Z_{hÝ`mVyZ EH$Xm Var "_m_m' åhUV _cm oQy>Z OmVmo.

- AemoH$ X. ~wQ>mcm,- AemoH$ X. ~wQ>mcm,- AemoH$ X. ~wQ>mcm,- AemoH$ X. ~wQ>mcm,- AemoH$ X. ~wQ>mcm, ndB©-_w§~B©

^ñ_mgya^ñ_mgya, cmXoZê$nmV àJQ>cm Ÿ&_ycVÎddmXmMm, cmìhm Cgicm &&

^maVmdaVrhr Ë`mMm dH«$ S>moim &AZ² H«y$a H$nQ>r h„m~moc Ho$cm &&

ZoË`m§Mm {ZË`mà_mUo Jm|Yi Pmcm &EH$_oH$m§daVr Xmof PQ>H$cm &&

eya OdmZm§Zr namH«$_ Ho$cm &^`^rV OZVocm {Xcmgm {Xcm &&

nyduhr g§H$Q>m§Mm Kmcm Pmcm &Var maV Jm\$scM am{hcm &&

hiyhiy H$mocmhc em§V Pmcm &_mUyg nwÝhm H$m_mV X§J Pmcm &&

- Aê$U ^Q>,Aê$U ^Q>,Aê$U ^Q>,Aê$U ^Q>,Aê$U ^Q>, ~Xcmnya, nyd©«_UÜdZr - 9324558051

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February 2009 SAMVAD

ào_EImXr jw„H$ órgwÕm EImÚm dranwéfmcm de H$ê$ eH$Vo

`mMo Oo H$YrM ào_mV nS>V ZmhrV Ë`m§Zm Amü © dmQ>Vo. nUào_mV ho AKQ>rV Zoh_rM KS>V Amcoco Amho. ào_ Am§Yio AgVo,ào_mV gmao jå` AgVo, gmao _m{hV AgVmZmhr _mUyg {nT>rXa{nT>r ào_mV H$gm nS>Vmo, m A{VJhZ àýmMo CÎma ào_rOZEH$mM dmŠ`mV XoVrc - "hm` gmH$s, VyZo {nhr Zhr Ÿ&'

ào_mV nS>Uo hm eãXà`moJM {H$Vr J_VrXma Amho ? ho nS>UoH$go AgVo. Vo ào_mV JQ>m§Jù`m Imë`m{edm` H$iÊ`mgmaIoZmhr. Omdo Ë`mÀ`m d§em, VoìhmM H$io nU AmO ào_H$aÊ`m~amo~aM Vo XmI{dÊ`mcmhr VodT>oM _hÎd àmá PmcocoAmho. H$Yr H$Yr Va N>Q>mH$^a ào_ _U^a XmIdUo XoIrcAgVo. ho àXe©Z H$Yr hmd^mdm§Zr, H$Yr eãXmoƒmamZo Va H$Yr({c{IV) eãX{MÝhm§Zr AgVo. "Iw„_ Iw„m ß`ma H$a|Jo h_XmoZm|' Ago àË`j Vm|S>mZo åhQ>ë`m{edm` VéU {nT>rcm ào_Ho$ë`mgmaIo dmQ>VM Zmhr H$s H$m` H$moU OmUo !

nyduÀ`m H$mir _mÌ ào_mV Agm àXe©Zr` mJ _wirM ZìhVm.Var ào_ ZìhVo H$m ? AWm©V ào_ ho hmoVoM. nU Vo _wÔm_ MmaMm¡Km§ZmXmIdÊ`mMr JaOM ZìhVr. ào_ hm XmIdÊ`mMm, {dûcofUmMm,MM}Mm {df`M ZìhVm. Vmo Ho$di AZw dmMm {df` hmoVm. AmOÀ`m^mfoV gm§Jm`Mo Pmco Va, Vmo à°ŠQ>rH$cMm {df` hmoVm. {WAarMmZìho ! "_mohã~V Eogr YS>H$Z h¡, Omo g_PmB© Zht OmVr Ÿ&'

AmOÀ`m Yw_YS>mŠ`mÀ`m VwcZoV, nydu {H$Vr em§VnUo ào_Ho$co Om`Mo, m g§X^m©V _cm OwZo àU`aå` {MÌnQ>JrV AmR>dVo.EH$ {à`H$a-ào grMr OmoS>r Zoh_rà_mUo g_wÐ{H$Zmè`mda^Q>H$m`cm Amcocr Amho. "H$íVr H$m Im_moe g\$a h¡, em_^r,VZhmB© r, Xya {H$Zmaona ~OVr h¡, cham|H$s ehZmB© r Ÿ&'

Vmo AmO Amnë`m _Zmer ZŠH$s R>adyZ Amcocm Amho. AmOVarào grOdi Amnco ào_ ì`ŠV H$amd`mMoM. "AmO _wPo Hw$N>H$hZm h¡, AmO _wPo Hw$N> H$hZm h¡ Ÿ&'

nU {VÀ`m Mohè`mdarc cmOao^md d Ë`mÀ`m _ZmVcrIi~i Ë`mcm ào_^md ì`ŠV H$ê$ XoVrc H$m` ?

""co{H$Z h e{_©cr {ZJmho_wPH$mo BOmOV Xo Vmo H$hÿ± Ÿ&

IwX _oar ~oVm~ C_§JWmoS>r \w$agX Xo Vmo H$hÿ± Ÿ&''

{edm` _ZmV EH$ ^rVrXoIrc Amho, {hcm Amnco ~mocUoAmdS>co Zmhr Va ?

""H$hVo hþE S>agm cJVm h¡H$hH$a ~mV Z Imo ~¡Ry>± Ÿ&

o Omo Oamgm gmW {_cm h¡,o r Z gmW Imo ~¡Ry>± Ÿ&&''

nU eãX Vm|S>mVë`m Vm|S>mVM amhÿZ, ^md Oa ~amo~aAmoiIco Joco Va _wÔm_ H$mhr eãXm§Zr gm§Jm`Mr JaO VaramhVo H$m ?

""{XcZo {XcH$s ~mV g_P crA~ _w±hgo Š`m H$hZm h¡ ?AmO Zhr Vmo H$c H$h X|JoA~ Vmo gmWhr ahZm h¡ Ÿ&''

Aem àH$mao nydu H$mhr Z ~mocVm, Z XmIdVm ào_rOZ ào_H$am`Mo. _mÌ XmIdm qH$dm Z XmIdm, ào_ hr _mUgmcm {ZgJm©Mrcm^cocr XoUJr Amho mV e§H$m Zmhr. IaoVa órnwéfm§_YrcghO Z¡g{J©H$ AmH$f©U hr ào_mMr n{hcr nmR>emcm Amho. hoAì`ŠV ào_M _J md{ZH$, _mZ{gH$, gm_m{OH$ d AÜ`mpË_H$nmVù`m§da MT>V OmD$Z Amnë`mcm g_¥Õ d gd©ì`mnH$ ~ZdVOmVo. ào_ ho ~§YZmV R>odVo hr MwH$sMr g_OyV Amho. _J Vo Iaoào_M Zmhr. EH$ gw§Xa B§J«Or H${dVm Amho -

"If you love something set it free.If it comes back, it is yoursif it doesnot, it never was."

Iè`m ào_mMr hrM Iar narjm Amho. ào_mZo _Zwî`mMo _Z{demc hmoV OmVo. XyaXyaMr _mZdr gwIXw:Io Ë`mcm ñdV:Mr åhUyZOmUdy cmJVmV. OdiÀ`mM Zìho Va XyaÀ`m _mUgm§À`mì`Wm§Zrhr _J aS>m`cm oVo. _Zwî` X¡dr nmVirda MT>Vmo. "d¡îUdOZ Vmo VoUo H$hr o, nrS> nam`r OmZr ao Ÿ&'

gdmª~Ôc AmË_r`Vm dmQ>Uo hr ào_mMr gdm}ƒ AÜ`mpË_H$AdñWmM Zmhr H$m` ?

- gm¡.d¡emcr {dO` amdio,gm¡.d¡emcr {dO` amdio,gm¡.d¡emcr {dO` amdio,gm¡.d¡emcr {dO` amdio,gm¡.d¡emcr {dO` amdio,"erVc' ñQ>oQ> ~±H$ H$m°cZr, A_amdVr

cìhg© nmH©$""ho H$m` ao, _cm åhUmcmg nmH©$_Ü o OmD$ `m Am{U

BWo H$m AmUcog _cm ?'' e{_©cm cQ>Š`m amJmZ§ AO`cmåhUmcr.

""Ag§ H$m` ~mocVog J§ Vy, `m _moQ>ocMo Zmd dmM ZmH$m` Amho Vo - cìhg© nmH©$ ! _r ImoQ>o H$Yr gm§JoZ H$mH$Yr ?'' AO` H$ma_YyZ CVaV åhUmcm.

- {ddoH$ R>mHw$a{ddoH$ R>mHw$a{ddoH$ R>mHw$a{ddoH$ R>mHw$a{ddoH$ R>mHw$a, XmXa (_w§~B©)XyaÜdZr - (022) 24300325

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February 2009 SAMVAD

gágwam§Zmo.....gágwam§Zmo.....gágwam§Zmo.....gágwam§Zmo.....gágwam§Zmo.....(n§.^r_goZ Omoer m§Zm "^maVaËZ' hm gdm}ƒ gÝ_mZ OmhraPmcm. gdmªZmM `m nwañH$mamZo _Zñdr AmZ§X Pmcm. `m"^maVaËZm'cm Ho$coco ho H$mì`ê$n d§XZ.)MamMamVrc, gágwam§Zmo, Jm ao _§Jc JmZ Ÿ&"ñda^mñH$a' ho AmO Omhco "^maVaËZ' _hmZ Ÿ&&^m½`dmZ Vwåhr, Vwåhm cm^cm Ë`m§Mm gwñda H$ÊR>> &g§{JVgmJar {nT>çm {nT>çm m ~wS>Vr AmH$ÊR> Ÿ&&

ycmoH$sÀ`m J§Ydm©Mo VwåhrM _mVm-{nVm &Xe©Z XoB© na~«÷, hm ZmX~«÷ {Z{_©Vm Ÿ&&VmZgoZ dm H$mZgoZ, Hw$Urhr Agmo _ZwO &H¥$VmW© hmoVmo Ë`m§Mm EoHw${Z Acm¡{H$H$ fS²>O Ÿ&&{H$VrH$ oVr Am{UH$ H$aVr gßVgwam§da àrVr &^r_goZ n[a EH${M H$aVr Aì`{^Mmar ŠVr Ÿ&&gágwam§Zmo, Ë`m {ŠVVwZ \w$ccr "g§VdmUr ' &YÝ` Omhcm Vwåhr, nmhþZr XodmOrMr H$aUr Ÿ&&gm§Jm _Ocm, Ago H$moUVo Ho$co Vwåhr à`ËZ &A{daV cm o Vwåhm Agm "ñda^mñH$a' "^maVaËZ' Ÿ&&gágya AZ² r_goZ, H$moU Hw$UmMo yfU ? &AÛ¡VmÀ`m Xe©Zmg m cdyZ H$aUo d§XZ ! &&

- gm¡.aí_r VwiOmnyaH$a, - gm¡.aí_r VwiOmnyaH$a, - gm¡.aí_r VwiOmnyaH$a, - gm¡.aí_r VwiOmnyaH$a, - gm¡.aí_r VwiOmnyaH$a, nwUo«_UÜdZr - 9890130068- 9890130068- 9890130068- 9890130068- 9890130068

doS>r AZmaH$crdoS>r AZmaH$crdoS>r AZmaH$crdoS>r AZmaH$crdoS>r AZmaH$crgm§JcrMr Amem gm`~a H°$\o$V Jocr Ÿ&

H°$\o$_Ü o {VZo g§JUH$mer _¡Ìr Ho$cr &&B§Q>aZoQ>da M°qQ>J H$ê$ cmJcr &

M°qQ>J H$aVm H$aVm ào_mV nS>cr &&cmhmoaMm _w_VmO Im{cX oQ>cm &ào_mcm Zgo XoeH$mcmMr _`m©Xm &&ào_ Z _mZr Y_© OmVrÀ`m ~§YZm &

B§Q>aZoQ>daM {ZH$mh Ë`m§Mm Pmcm &&{ddm{hV Amem JwnMwn gmgar {ZKmcr &gr_oda {Vcm gr_majH$m§Zr AS>dcr &&pìhgmgmR>r Ho$cr amï´>nVtMr _ZYaUr &{ZH$mh _mÝ` hmoVm Pmcr pìhgmMr àmár &&

AmemZo gr_mo„§KZ doco &ào_mgmR>r gd©ñd Ë`m{Jco &&cmhmoacm c¡cm _OZycm oQ>o &Oer g[aVm gmJamcm {_io &&

Amem _w_VmOÀ`m ào_mV ~wS>mcr &Z H$io {VOcm {Z`VrÀ`m H$m` _Zr Ÿ&

OUwH$mhr AmH$merMr Hw$èhmS> H$mogicr &&n{VamOm§Mr ñdmar A„mcm ß`mar Pmcr &

AmemMo d¡dm{hH$ OrdZ Aënm wfr R>aco &&gmgaMo cmoH$ {VMm N>i H$ê$ cmJco &Kam~mhoa {Vcm Ë`m§Zr hmH$cyZ {Xco &

_mhoar naVÊ`mgmR>r {VMo _Z AmH§«$Xy cmJco &&doS>çm ào_mMr doS>r H$hmUr &

{Zðw>a X¡dmZo g§ndyZ Q>mH$cr &&H$cr AZmaMr qhXwñVmZmV \w$ccr &

nm{H$ñVmZmV OmD$Z doS>r {MaSy>Z Jocr &&

- JOmZZ AamUHo$,JOmZZ AamUHo$,JOmZZ AamUHo$,JOmZZ AamUHo$,JOmZZ AamUHo$, nwUo

F

g§dmX_mg AIoarg Hw$Ur dmQ> nmho {Zd¥Îmr doVZmMr_mÂ`m _Zr _mÌ Ago Amg "g§dmXm'Mr Ÿ&&1Ÿ&&

_{hZm g§nVmM IM© hmoVgo nyU© AW©_mÌ "g§dmXmMo AW©nyU© kmZ' OmUma Zmhr ì`W© Ÿ&&2Ÿ&&

~±Ho$_Ü o {_Ìm§er "g§dmX' gmYÊ`m {_imcm Z doiAmVm Amnwë`m "g§dmXm'Zo _mÌ hmoVmo _Zm§Mm _oi Ÿ&&3Ÿ&&

Z KS>mo Hw$Umer dmX m CÎmam`UmVKmcdy m doi "g§dmXm'Vrc

H$mì`, emó {dZmoXmV Ÿ&&4&& - Jmonmi {d._wio,- Jmonmi {d._wio,- Jmonmi {d._wio,- Jmonmi {d._wio,- Jmonmi {d._wio,

Ah_XZJa

_yI© _mUygam_^mD$ d a_m H$mHy§$Mm AmngmV Iyn dmX{ddmX

Pmcm. H$moUrhr _mKma KoB©Zm. g§VmnyZ a_mH$mHy$ åhUmë`m,"_r gd© àH$maMr _mUgo nm{hcr nU _yI© _mUyg nm{hcmZìhVm.'

am_^mD$ cJoM åhUmco, "N>mZ, VwPr Vr nU hm¡g nyU©H$ê$Z Ko. Amaí`mg_moa C^r amhyZ ñdV:cm nhm.'

- nw.{Z.Xoenm§S>o,- nw.{Z.Xoenm§S>o,- nw.{Z.Xoenm§S>o,- nw.{Z.Xoenm§S>o,- nw.{Z.Xoenm§S>o, A_amdVr

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February 2009 SAMVAD

j ñ_aUOoìhm O_oc Voìhm gm§ miyZ Ko _ZmcmnwÌ-nm¡{ÌH$m§Zm AmYma Xo jUmcmgm§JyZ "dra' Joco, {H$Vr dma gmogco _rXw~ù`m _Zmcm, Zm AS>dco H$Yr _rhm¡VmËå` hmoB© "Xw~io ' nmhÿZr Amgdm§ZmXoD$Z "Yra' Ë`m§Zm, AmS>d mdZm§ZmOoìhm OS>oc "àrVr' Voìhm Jioc Jd©OJ ahmQ>r Ago Vr gm§JyZ OmVr gd©"à y ' gmdao V`m§gr, ŠVm§gr hmV XoB©glÕ dËgcm§Zm Vmam§Zr VmoM ZoB©^ŠVm CR>moZr nmhm Vy , g_B©V "gm§OdmVr'{Z:eãX _§S>nr Ë`m IJhr JrV JmVr"B§Xw' àH$me {H$aUo ÝhmD$ V`m§g Kmcr_ZwOm C^m amhm Vy , K{Q>H$m g_rn Amcr

- {dZm`H$ Omoer {dZm`H$ Omoer {dZm`H$ Omoer {dZm`H$ Omoer {dZm`H$ Omoer, S>m|{~dcr (n.) XyaÜdZr : 0251-2481553

N>m`mJrVN>m`mJrVN>m`mJrVN>m`mJrVN>m`mJrVAcrH$S>o ncrH$S>o Q´>mpÝPñQ>a Kw_cocm Ÿ&PmonS>rH$S>o nmR§>JwZ åhmVmam ~gcocm &Ÿ&{IS>H$s {IS>H$sV ao{S>Amo Ho$H$mQ>cocm Ÿ&H$mZR>ù`m MwH$drV åhmVmam X_cocm Ÿ&&nm`ar nm`arda pñQ>[aAmo {ZZmXcocm Ÿ&A~~ ? BVH$m IM© ? åhmVmam H$admXcocm &&ãcm°H$ ãcm°H$ _YyZ Q>r.ìhr.Kwgcocm &JßnmVco H$mì` g§nyZ Vmo CXmgcocm &&H$mZm-H$mZmer _mo~mBc {MH$Q>cocm Ÿ&åhmVmam A{YH$M EH$Q>m Pmcocm &&PmonS>r, Mmi, ãcm°H$, ~§Jcodmcm &cmD$S>ñnrH$g©Zo mamdcocm Ÿ&&\o$è`m KmcrV KmcrV {eUcocm Ÿ&åhmVmam, nmoaH$m, nmoaH$m Pmcocm &&ûcmoH$, am_ajm, ZmVy {dgacocm &Pmonmim AmR>drV Q>m°da_Ü o åhmVmam Hw$M§~cocm &&

åhmVmam Hw$M§~cocm &&

- gm¡.H$ënZm gw^mf H$moR>mao,- gm¡.H$ënZm gw^mf H$moR>mao,- gm¡.H$ënZm gw^mf H$moR>mao,- gm¡.H$ënZm gw^mf H$moR>mao,- gm¡.H$ënZm gw^mf H$moR>mao, gm§VmH«w$P

j VmÝhþcmc{S>dmi {H$Vr hm VmÝhmcm{dco doS> ømZo Amåhm Ÿ&&Y¥Ÿ&&

{ZamJg hm hmgamJmcr Jwcm~ gmOamaŠVdUu øm AYamdmQ>o Mw§~wZr ¿`mdo nwÝhm Ÿ&&1Ÿ&&

^md JmoS> _wImdarOmVm _mD$cr XwadarPmcr _y{V© hr ~mdarOUy emoXo{dU Vmo H$mÝhm Ÿ&&2Ÿ&&

M§Mc hm IJmnarpñWa Z amho jU^arH$ï>{dVmo _mVog marnar H$m Z AmQ>o ào_ nmÝhm ? Ÿ&&3Ÿ&&

- gm¡. ñZohc VèhmiH$a gm¡. ñZohc VèhmiH$a gm¡. ñZohc VèhmiH$a gm¡. ñZohc VèhmiH$a gm¡. ñZohc VèhmiH$a, AH$mocm

j Ý`m`M C\$amQ>mÝ`m`M C\$amQ>m

OJmMm Ý`m`M C\$amQ>m Ÿ&&Y«w.Ÿ&&Á`m cmoH$m§Zr XoemgmR>ràmUm§Mrhr {Xcr AmhþVr

Ë`m§Mr Zmhr AmR>dU H$moUm, Alw md ImoQ>m Ÿ&&1Ÿ&&ñ_¥Vrhr Zmhr Ë`m ZoË`m§Mramï>àJVr H$aUmè`m§Mr

{POy{Z`m am̧{XZ Á`m§Zr {XYcr Xoemg à{Vð>m Ÿ&&2Ÿ&&ñdV§Ì H$aÊ`m _mV¥ y{_cmH$mamdmghr Á`m§Zr mo{Jcm

Zmdhr Zmhr AmoR>r Á`m§À`m JUVr Zmhr H$ï>m Ÿ&&3Ÿ&&H$moUmMmhr _¥Ë y KS>cm

I§S> Z OrdZ-ì`mnmamcmH$moU AS>{dVmo OZarVrcm, n«íZ Ago _moR>m ! Ÿ&&4Ÿ&&

- gw^mf e§. gaXoe_wI, gw^mf e§. gaXoe_wI, gw^mf e§. gaXoe_wI, gw^mf e§. gaXoe_wI, gw^mf e§. gaXoe_wI,gmVmam-2

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February 2009 SAMVAD

S>moio : _ZmMr {IS>H$s_mZdr _Zm§Mr C_u S>moio

Am§Va _ZmMr {IS>H$s S>moio Ÿ&

{ZgJ©H¥$V AZwn_ Cnhma S>moio

OrdmMm Ord H$s àmU S>moio Ÿ&

H$go dUy© _r md{dœ S>moù`m§Mo

Ago S>moio AZ² Vgo{h S>moio Ÿ&

Km`mi H$aVr Owc_r S>moio

_XYw§X H$aVr Zerco S>moio Ÿ&

{eH$mar S>moio AZ² {dImar S>moio

~mocHo$, {Züc AZ² H$amar S>moio Ÿ&

öX` {MaVr __©^oXr S>moio

Jw{nV _ZmMo CKS>Vr S>moio Ÿ&

gm¡OÝ`nyU© {Zah§H$mar S>moio Ÿ

H$ñnQ>mg_ coIVr Ah§H$mar S>moio Ÿ&

{ZamJg, nmaXeu AZ² mdyH$ S>moio

Aghm` AJ{VH$ H$m nmUmdVr S>moio ? Ÿ&

A§Jma ~agVr Iw±Ima S>moio

cmo^r, cmoMQ> AZ² cmMma S>moio Ÿ&

g_mYmZr em§V AZ² H¥$VmW© S>moio

_J«wa AZ² g§e`nr{S>V S>moio Ÿ&

ñdßZdoS>o Aì`dhmar S>moio

nmfmUöX`r A{Vì`dhmar S>moio Ÿ&

A§VarMm gc OnVmV S>moio

dmgZoZo H$m_m§Yhr ~ZVmV S>moio Ÿ&

Zd{j{VOm§Mm doY {ZË` KoVr

AdIi AZ g¥OZerc S>moio Ÿ&

- gw.a.O¡Z, - gw.a.O¡Z, - gw.a.O¡Z, - gw.a.O¡Z, - gw.a.O¡Z, Am¡a§Jm~mX XyaÜdZr - 0240 - 2361136

O AmoT>AmoT>AmoT>AmoT>AmoT>^{ŠV _mPo _ZmV, _Z a§Jo Ü`mZmV Ÿ&

Ü`mZ _mPo cmJco {dRy>MaUr ! &&gmdù`m énm_mOr, VoO H$m |XQ>co &

_mi d¡O §Vr Jim, H$a H$Q>r R>odcoco Ÿ&&EH$m {dQ>odar C^m, gIm _mPm {dRy>am` &

Am{U AYmªJr g_rn, gmW H$ar ê${Š_Ur _m` Ÿ&&H¥$nm Ë`m§À`m Ñï>rV, A_¥VmÀ`m d¥ï>rV &

qM~ Pmco _Ý_Z, amo_amo_r ! &&^r_oÀ`m Vramdar, OZgmJa Cgio &

_¥X§JmÀ`m Wmnodar, EH$Vmar JmoS> ~moco Ÿ&&nm` ZmMÊ`mV X§J, _wIr AdrQ> A §J &

XodmOrÀ`m Xmar AmO, \$ŠV ŠVrMmM a§J Ÿ&&JmoHw$irÀ`m ~ZmV, Jmo{nH$m§À`m _ZmV &

H¥$îUgIm Ioio O¡gm, d¥§XmdZr ! &&AmO cmJo _mÂ`m Ordm, g»`m {dR>mo~mMr AmoT &>

ZoÌ cmJco n¡cVram, Kmg cmJoZm hmo JmoS> Ÿ&&_Z {dQ>co g§gmam, XohmMr m H$m` _mV &

AmVm Ü`mZr-_Zr-Xohr, \$ŠV EH$ Jd§V Ÿ&&Zm_ _mÂ`m _wImV, X§J Pmcmo gwImV &

H$m§ H$ê$ Hw$UmMr, _ZYaUr ? &&

- JmoqdX H$a_aH$a, - JmoqdX H$a_aH$a, - JmoqdX H$a_aH$a, - JmoqdX H$a_aH$a, - JmoqdX H$a_aH$a, gm§Jcr

MmamoirMmamoirMmamoirMmamoirMmamoirH$moUrVar Hw$R>oVarWm§~m`cmM hdo &

IoiyZ Pmë`mdaVr S>mdoD$ Úmdo {^Sy> Zdo Ÿ&&

*************************************************************************************JaO Am{U BÀN>m m§Zm

ZgVmo H$YrM A§V Ÿ&Wm§ã`mdaVr em§V ~gmdo_wir Zgmdr I§V Ÿ&&- lrH$m§V _Zmoha H$mQ>o,- lrH$m§V _Zmoha H$mQ>o,- lrH$m§V _Zmoha H$mQ>o,- lrH$m§V _Zmoha H$mQ>o,- lrH$m§V _Zmoha H$mQ>o, A_amdVr

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February 2009 SAMVAD

""{gam|Mm''OmZodmar 1987 À`m eodQ>À`m AmR>dS>çmV ZmJnyacm

w{Z`ZMr H$m°Ý\$aÝg hmoVr. H$moëhmnya_Yrc Amåhr Xhm-~mamOU Amcmo hmoVmo. oWyZM _r, _mcUH$a d nmQ>moio VmS>mo~m d{gam|Mmcm Omd`mMo R>a{dco. Am_Mo {_Ì lr wV \$UgiH$aË`mdoir {gam|Mmcm {S>pìhOZc \$m°aoñQ> Am°\$sga m nXmda hmoVo.`m§À`m Img {Z_§ÌUmñVd `m ^mJmV Jocmo. Ë`mdoir AmVmMmJS>{Mamocr {Oëhm ZdrZM {Z_m©U Pmcm hmoVm. M§Ðnya qH$dmJS>{Mamocr {Oëøm_Ü o ^ë`m^ë`m§Mr Pmon CS>m`Mr. gaH$marA{YH$mè`m§Zm m mJmV ~Xcr åhUOo H$mù`m nmÊ`mMr gOmM.

_hmamï´>mMo eodQ>Mo Q>moH$ A{V XwJ©_ mJ {gam|Mm. JmdmÀ`mZmdmà_mUo Ë`mcm oQ> {Xë`mZ§Va "{ga C§Mm' PmcmM nm{hOo.ñdÀN> hdm, {ZgJ©, CÎm_ O§Jc, àM§S> _moR>çm ZÚm§Zr hm n[agaì`mnyZ Jocm Amho. ho gd© nmhV AgVmZm _Z mamdyZ OmVo. oWrc_wŠH$m_mV AmnU m n[agamer EH$ê$n hmoD$Z OmVmo.

M§ÐnyanmgyZ 116 {H$._r. A§Vamda Acmn„r d Ë`mZ§Va 100{H$._r. {gam|Mm åhUOo X§S>H$maÊ`-gmJ, EoZ, ~m§~y, {~Om, {haS>m,~ohoS>m, AOy©Z Aem {d{dY d¥jdoctZr ì`mncocm A{V ì` O§JcràXoe. ZjcdmXmcm OÝ_ oWoM Pmcm. hiyhiy Amncr nmio_wioImocda m n[agamV ngadcr. Am{Xdmgr cmoH$m§Mr ghmZw yVr{_idÊ`mV `eñdr Pmco. Amcmn„r {gam|Mm `m 100 {H$._r.À`m A§Vam_Ü o dmQ>oV _mog_r, aonZn„r, A^rn„r, ~m_Ur hrJmdo Am{XdmgtMo ApñVËd XmIdrV hmoVr. C§M C§M VmS>rMr PmS>oemo m dmT>drV hmoVr. {VÝhrhr F$VyV ZjcdmXr cmoH$m§Mo ApñVËdOmUdV AgVo. oWrc CÝhmim A§JmMr cmhr-cmhr H$aVmo.Vmn_mZ 47 g|Q>r J«oS> AgVo. aŠV JmoR>dyZ Q>mH$Umam {hdmimVa nmdgmMm _mam AdU©Zr`. ZÚm§Zm _hmnya Amë`mZ§Va H$mhrdoim ho{cH$m°ßQ>a_YyZ agX nwa{dÊ`mMr doi oVo. eVH$mZweVHo$_mJmgcoë`m AàJV Am{Xdmgr (C{S>`mJm|S>) `oWo AmhoV.H$m|~S>çm, ~H$è`m Va gmoS>mM Za~irMr àWm nU AÚmn oWoApñVËdmV Amho. drO AÚmn ~è`mM mJmV nmohmoMcocr Zmhr.Am_Mm ~og H$m°n {gam|Mm oWo dZ{d^mJmÀ`m A{VWr J¥hmV hmoVm.Ë`m_wio AmXam{VÏ` A{Ve` CÎm_. Z {dgaÊ`mOmoJo hmoVo.OodUm_Ü o _moR>_moR>o qPJo (Prons) AgV Ë`mÀ`mda Amåhr

oWoÀN> Vmd _maV Agy.EH$m ~mOycm àmUhrVm ZXr Va Xwgè`mg ~mOycm JmoXmdar

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Amho. `m {R>H$mUr C^o am{hë`mg Am_Zogm_Zo _hmamï´> d_Ü`àXoe m§À`m gr_m AmhoV. Va Xwgè`m ~mOycm Am§Y«àXoeMrgr_m Amho d Mhþ~mOyZo KZXmQ> O§Jc Amho. `m n[agam_Ü oZjcdmXr cmoH$m§Mo dmñVì` Amho. oWo \$ma H$mi Wm§~Uo IynMYmoŠ`mMo Amho. `m ^mJmMr AmR>dU åhUyZ ZXrÀ`m nmÌmVrcJwiJwirV N>moQ>çm AmH$mamMo XJS>-JmoQ>o KoVco. Amåhm gJù`m§Mmnm` oWyZ {ZKVm {ZKoZm. Zrad em§VVm Agcocm h mJ öX`mMmR>moH$m MwH${dUmam Amho. H$moUË`m jUr ZjcdmXr cmoH$ oVrc hogm§JVm oV Zmhr. oWo _m{hVJma cmoH$gwÕm `md`mg YOmdVZmhrV. Am_Mo na_ m½`M åhUyZ m mJmVrc AZw d AmåhmcmKoVm Amcm. mMo lo Am_Mo {_Ì \$UgiH$a m§Zm XoV AmhmoV.

{gam|À`mnmgyZ Am§Y«_Yrc H$mcoœa e§H$amMo _§{Xa Amho._hm{edamÌrcm _moR>r mÌm aVo. oWyZ h¡Xam~mX gmV Vmgm§À`mA§Vamda Amho.

nmdgmù`m_Ü o JmoXmdar ZXr H«$m°g H$aUo \$maM AdKS>.ZXrMo nmÌ g_wÐmgmaIo é§XmdV OmVo. nmÊ`mcm AmoT> O~aXñVAgVo d àdmhm_Ü o nmÊ`mMo modao {Z_m©U hmoV AgVmV. O§Jc^mJmVyZ doJmZo AZ§V PmS>o PwS>no ~m§~yMr ~Zo dmhV oV AgVmV.`mda AZoH$ OmVtMo gn©, ganQ>Umao àmUr nhmd`mg {_iVmV.ho nmhV AgVmZm _Zwî` J{cVJmÌ hmoVmo. AË §V à{VHy$cn[apñWVrV H$mhr H$m_m{Z{_Îm n{cH$S>À`m {H$Zmè`mda Omd`mMmàg§J Amë`mg ZmdoVyZ OmV AgVmZm ho Ñí` nhmd`mg {_iVo.

1974 gmcmMr KQ>Zm Amho. nmmdgmù`mMo {Xdg. ZXrcm nyaoD$Z Jocm hmoVm. nU nmÊ`mcm AmoT> hmoVr. XmoZ dZm{YH$mar

nQ²>Q>rMo nmohUmao àdmhm~amo~a dmhV Joco Vo H$m`_MoM. XmoKm§Mmhr_¥Ë y Pmcm. EH$mMo Zmd XodñWio Va Xwgè`mMo Zmd H$mnao.

{gam|Mm _Ü oM XmoZ KQ>Zm nmhmd`mg {_imë`m. EH$m àmW{_H${ejH$mMm g§e`mdê$Z ZjcdmÚm§Zr Im§ÚmVyZM EH$ hmV {ZH$m_rH$ê$Z Q>mH$cm. Ë`mcm dmQ>co hm {ejH$ nmo{cgm§Mm I~è`m Amho.Xwgar KQ>Zm dZajH$mMr hË`m. EH$m PwS>nmda aŠVmMo anyaS>mJ nS>co hmoVo, aŠVhr Vgo {MH$Q> d VmOo {XgV hmoVo. Ooìhm hrKQ>Zm nm{hcr Ë`mÀ`m AmR>-Xhm Vmg AmYr `m ajH$mMr hË`mH$aÊ`mV Amcr hmoVr. Va Xwgè`m JmdmV nmo{cg nmQ>cmMr hË`mH$aÊ`mV Amcr hmoVr. gd©M H$mhr ^`mZH$. A§Jmda ehmaoAmUUmao hmoVo. VoWrc cmoH$ åhUV hmoVo H$s g§e`mdê$Z H$mhrì`ŠVtZm O{_Zr_Ü`o Jù`mBVHo$ nwê$Z {ea YS>m doJioH$aVmV. Agm hm n[aga m mJmV ZmoH$ar H$aUo åhUOo {H$VrAdKS> Agoc.

- _méVr ~garH$Å>r,- _méVr ~garH$Å>r,- _méVr ~garH$Å>r,- _méVr ~garH$Å>r,- _méVr ~garH$Å>r, H$moëhmnya,XyaÜdZr - 0231-2537672

^Q>H§$Vr

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February 2009 SAMVAD

j D$Z-nmD$glmdU_mgr MmcVmo D$Z nmdgmMm Ioi !B§ÐYZwhr KmcrVgo gw§Xa gáa§Jm§Mm _oi{hado S>m|Ja {hadr YaUr ngacr amZmo_miË`m {hadmB©VyZ ghO nmPao {Z_©i erVc Oc Ÿ&Ÿ&1Ÿ&&AdcmoH$Z H$[aVm m aå` {ZgJ© gm¢X`m©Mo^mgo _O {\$Q>o nmaUo m Z`Zm§MoJJZMw§~r S>m|Ja {Xgo {eIa _§{XamModmQ>o YmdV Omdo AZ² Xe©Z ¿`mdo Ë`m AJmY B©œamMo Ÿ&&2&&OmUw{Z _`m©Xm m C§MrÀ`m J_o _O hm A{dMman§I Oar AgVo _O KoVcr AgVr C§M ^aman[a eŠ` Zgo hm Va Amho H$ënZoMm {dñVmaZ KS>Vm _ZmgmaIo moJmdo cmJVgo Xw:I Anma Ÿ&&3&&H$Yr gwI, H$Yr Xw:I, H$Yr D$Z, H$Yr nmD$g H$am {dMmaH$é{Z {dMma m gmè`m§Mm gmYmdm {ddoH$ wŠV AmMmaem§V Agmdo _mPo _Z, nocÊ`m hm gwI Xw:Im§Mm maXodm VyM Iam AmYma AZ² eŠVrMm EH$_od XmVma Ÿ&&4Ÿ&&

- M§ÐH$m§V Hw$cH$Uu,- M§ÐH$m§V Hw$cH$Uu,- M§ÐH$m§V Hw$cH$Uu,- M§ÐH$m§V Hw$cH$Uu,- M§ÐH$m§V Hw$cH$Uu, {_aOXyaÜdZr : 0233-2221813

Placement of punctuationsAT LONDON METRO ONE GENTLEMAN

ENQUIRED ABOUT SOME TRAIN TO ENQUIRYCOUNTER. ABOUT ARRIVAL & DEPARTURE OFPARTICULAR TRAIN.

HE GOT REPLY AS UNDER -"TWO TO TWO TO TWO TWO"HE COULD NOT FOLLOW WHAT WAS

REPLYED BY ENQUIRY MAN.HE SAID ARRIVAL TIME OF TRAIN IS "TWO

MIUTIES TO TWO" TILL DEPARTURE OF TRAINIS "TWO MINUTES PAST TWO"

INSTEAD OF PUTTING IN PROPERPUNCTUATIONS AS UNDER -

"TWO TO TWO TO TWO TWO".THEN GENTLEMAN FOLLOWED USE OF

PUNCTUATIONS (PROPERLY)- Shri V. Kamat, Fatorda, Goa

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February 2009 SAMVAD

Regd. under RNI No. MAHBIL/2008/25425 & Declaration No. PHM/SR/63/VIII/2008 Dated 12/5/2008SSPO Pune under Postal Concession register No. L-2/RNP/PNW/M-144/2008-2010 Dated 28.05.2008Licence to post without Prepayment No.: LWP-217 at Market Yard PSO, Pune 37on 25th of each Month

If Undelivered Please Return to :

STATE BANK OF INDIA PENSIONERS'ASSOCIATION, (MUMBAI CIRCLE), PUNE

Anubandh, Building No. B-2, 4th Floor,

Block No.16, Near Ramkrishna Math,

Sinhagad Road, Pune 411030. Ph: 24332141

To,Printed Matter

gyMZm :gyMZm :gyMZm :gyMZm :gyMZm : 1) `m _m{gH$m§V à{gÕ Pmcoë`m coIm§Vrc _Vm§er g§nmXH$_§S>i gh_V AgocM Ago Zmhr. VgoM Om{hamVrVrc _OHw$amMrgË`mgË`Vm g^mgXm§Zr ñdV: nS>VmiyZ ¿`mdr. Ë`m~m~V Agmo{gEeZ dm "g§dmX' Mo g§nmXH$ _§S>i O~m~Xma AgUma Zmhr.2) Agmo{gEeZMo H$m`m©c`, gmo_dma Vo ewH«$dma, g§Ü`mH$mir 6 Vo 7.30 `m doimVM CKS>o AgVo. `mMr H¥$n`m Zm|X ¿`mdr.g§nH©$ XyaÜdZr H«. (020) 24332141

Publisher – Shri. Ramchandra Narayan Lalingkar, Secretary, State Bank of India Pensioners’ Association(Mumbai Circle),Pune has printed this magazine in the Printing Press owned by Printer – Shri.ChandrashekharDigambar Joshi, Director, Shree J Printers Pvt.Ltd., at 1416 Sadashiv Peth, Datta Kuti, Pune – 411030 onbehalf of Owner – State Bank of India Pensioners’ Association (Mumbai Circle),Pune, at “Anubandh”,Bldg.No.B2, Block No.16,Near Ramkrishna Math, Sinhagad Road, Pune – 411030. Editor – Shri. KrantisenRamchandra Athawale – address as above.

gm¡. dfm© eaX Omoer m§Mm "65 dr H$cm - g_mYmZ' hm coIOmZo.2009 À`m "g§dmX' A§H$mV à{gÕ Pmcm Amho. Ë`m§À`mcoImVrc B§J«Or Amoi Aer 'What life is this, if full of tears,we have no time to stand and stare.'

dmñV{dH$ Vr Amoi Aer Amho -'What is this life, if full of eare,

we have no time to stand and stare ?'à{gÕ B§J«O H$dr W.H.Davies `m§À`m 'Leisure' `m

H${dVoÀ`m n{hë`m XmoZ Amoir AmhoV.- AaqdX nwOmar, AaqdX nwOmar, AaqdX nwOmar, AaqdX nwOmar, AaqdX nwOmar, gmocmnya

*********"g§dmX' {Z`{_V {_iVmo. {S>g|.08 Mm "g§dmX' _Yrc

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- gw.a.O¡Z,- gw.a.O¡Z,- gw.a.O¡Z,- gw.a.O¡Z,- gw.a.O¡Z, Am¡a§Jm~mX

OmZodmarÀ`m "g§dmX' _Ü o "65 dr H$cm-g_mYmZ' hm _rnmR>dcocm coI N>mncocm ~KyZ AmZ§X Pmcm. øm _{hÝ`mMo"g§nmXH$s`' d "Zddfm©{Z{_Îm' ho coI ZwgVo AmdS>coM ZmhrVVa _Zmda àË oH$ eãX H$moacm Jocm.

"g§dmX' coI ñnYm© Omhra Pmcr. nwéf d ór g^mgXm§Zmcommon {df` d nm[aVmofH$mMo nwéf d ór {d^mJ hrg§H$ënZmhr `mo½` dmQ>cr; H$maU "Omdo Ë`mÀ`m d§em' ømCŠVrà_mUo XmoKm§Mmhr àË oH$ KQ>ZoH$S>o ~KÊ`mMm Ñ{ï>H$moZdoJù`m nÕVrZoM ì`ŠV hmoUma.

A°S>. lr. à^mH$a _miJo `m§Mo "_mVm Z Vy d¡arUr' hm g§X ©`mo½` dmQ>cm Zmhr. Ooìhm EImÚm órMo Abortion Ho$co OmVoVoìhm {VÀ`m _Zmda AmKmV hmoVmo. Ë`m_mZmZo {VMm OmoS>rXma deó{H«$`m H$aUmam S>m°ŠQ>a _mÌ _OoV {_adV ahmVmV. EHy$UMHw$Qw>§~ {Z`moOZ øm H$m`ÚmÀ`m XméU n[aUm_m§Zm g_mO gÜ`mgm_moam OmV Amho.

- dfm© eaX Omoer,dfm© eaX Omoer,dfm© eaX Omoer,dfm© eaX Omoer,dfm© eaX Omoer,S>m|{~dcr (ny.)

à{V{H«$`m