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What is Financial Planning ?

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Financial planning is the roadmap to realise and achieve financial goals in life. Everyone has financial goals in life. These goals may include:

• Planning for children’s education
• Planning for children’s marriage
• Buying a house or buying a second larger house
• Buying a car
• Enjoying a vacation with family every year
• Living a comfortable retirement life without any compromises
• Leaving behind an estate for children

Through proper financial planning a person can accomplish all the above goals. Given this it is so scary to know how less people know about money. As they say “Being wealthy is not about how much you earn or what you do. It is just a matter of proper Financial Planning”. Financial planning can help a person identify his / her goals, invest towards achieving those goals and regularly review the investments every year to make sure they are on track to meet the desired goals. In short financial planning is a journey and not a destination.

Financial Planning Stepping Stones 
The process of financial planning is divided into seven steps. Let us try to understand the process of financial planning with the help of an example. 

Ajay is an MBA working for a MNC and is reasonably well placed. Ajay is married, has a 7 year old son Karan. Ajay stays with his parents. Ajay’s parents are retired and are dependent on Ajay. Ajay now wants to buy a new home and start saving money for his child’s education and marriage and his own retirement. He would also like to go on a short vacation once every year. 

Let us see how financial planning can help Ajay realize his goals with a high degree of certainty. The first step to financial planning is to assess the strengths and the risks involved.

Ajay is (30 years of age). That means a 30 year investment horizon till retirement.
Ajay has regular income @ 8 Lakhs per annum
Ajay is debt free and has no financial liabilities. 

Risks Involved: 
Ajay is sole bread earner of the family. 
Ajay’s parents are old and hence more susceptible to health issues. 
Now keeping Ajay’s example in mind let us see how the process of financial planning works.

1. Emergency / Reserve Fund
This is the first step of financial planning. Ajay should have a reserve fund equivalent to meet his 3 to 6 months expenses. A reverse fund is needed for the purpose of covering unforeseeable expenses like medical emergencies or temporary job loss etc. With an adequate reserve fund Ajay will not be required to dip into his investments in times of crisis.

2. Insurance
Life is full of uncertainties and so it is imperative that one has adequate insurance cover to help mitigate the risks that might arise due these uncertainties. A term insurance plan for Ajay would ensure that the family’s survival is not at stake in Ajay’s absence. Ajay’s insurance cover should be equivalent to the present value of his future earnings till his retirement. Also Ajay should buy a good health insurance policy for the entire family to take care of any expenses that might arise due to medical emergencies. Ajay’s parents are dependent on Ajay. If his parents get hospitalised due to some critical illness the huge hospital bill can burn a big hole in Ajay’s pocket. 

3. Child Education Fund
Ajay wants his son Karan to become a doctor. Ajay wants to start saving for his son’s education from now onwards. If the cost of the course as on today is Rs. 10 lakhs then the same course will cost Rs. 41,77,248 (Rs. 42 lakhs approximately) 15 years down the line if the cost of education increases by 10% (inflation) every year. If Ajay wants to reach this target of Rs. 42 lakhs 15 years down the line then he will have to start investing Rs. 9300 per month (Rs. 1,12,000 per annum) if his investments earn him a return of 12% per annum. 

4. Child Marriage Fund
Ajay wants to start saving for his son’s marriage from now onwards. The marriage is planned 18 years from now. If the cost of an normal wedding as on today is Rs. 6,00,000 then the same marriage will cost Rs. 33,36,000 (33.36 lakhs) 18 years down the line if marriage expenses increase by 10% (inflation) every year. If Ajay wants to reach this target of Rs. 33.36 lakhs 18 years from now then he will have to start investing Rs. 5000 per month (Rs. 60,000 per annum) if his investments earn him a return of 12% per annum. 


5. Buying a House
Ajay wants to buy a house worth 25 lakhs 3 years from now. For this he will have to make a down payment of Rs. 5 lakhs (20% margin money). He will have to start setting aside Rs. 13,000 every month in a recurring deposit account. 


6. Annual Vacation
Ajay wants to go for an annual vacation every year. This will cost him anywhere in the range of Rs. 25,000 to Rs. 40,000. Ajay can make provision for this from his monthly cash flows. He can set aside Rs. 3,500 from his monthly salary in a recurring deposit account and withdraw the money at the end of the year and go for a vacation at the end of the year. 

7. Retirement Planning
With advancement in medicine and technology the life expectancy of individuals is on the rise, this means more number of years of retirement. Therefore in order to reduce dependency on others; individuals must start working early on building their retirement corpus. Ajay wants to live a comfortable retirement life. So he wants to start investing for it from today itself. Based on his current monthly expenses Ajay can calculate his retirement expenses assuming an average inflation rate of 5%. And accordingly Ajay can start investing from today onwards to build his retirement nest. 

8. Asset Allocation
Ajay needs to invest for various goals like Karan’s education and marriage, his own retirement. Ajay can invest in a mix of asset classes like equity mutual funds, fixed income securities, commodities etc. to meet these goals. Initially Ajay can have a higher exposure to equity mutual funds. As his age goes on increasing he can change his asset allocation and go on gradually reducing the equity exposure and go on gradually increasing the fixed income securities exposure. 

9. Tax Planning
Ajay should make sure that while choosing his investment instruments he gets maximum income tax benefits. Under various Sections of the Income Tax Act (like Section 80C, 80D, 80E, Section 24) an individual can avail deduction from taxable income. 

In this way with Ajay’s example we have seen how proper financial planning can help a person plan for all his financial goals and start investing towards achieving these goals. Also financial planning is not a one time process. It is an ongoing activity wherein the investments need to be reviewed year after year till the targets are not achieved. Also above we have mentioned the Financial Planning is a journey and not a destination. 


Disclaimer: The above information is collected from various sources. Readers are requested to investigate themselves & take legal & professional advice before entering any tie-ups.

Financial Planning for your Children...

Financial Planning for a Child Tips

Are you planning a child? Than do you know that you will have to do a financial planning for your child’s future? Well, yes. The economy will advance after 20 years from now and everything will be costly starting from education to marriages, businesses and lifestyle.

And that’s why the day your child born, you should start a financial planning for your child. Here are the few great tips for the financial planning of your child.


1. Start Investing early -

This is the 95% advise that anyone needs to do a successful financial planning for their child’s future. Well, its a simple logic. The earlier you will start, the compound interest will work more in favour of you and you will make a huge wealth for your child. Only a 5 years of difference can make a huge difference in the wealth later on.


Simply search the Google and see that how powerful the Compound Interest and you will realize the importance of starting early. Ideally you should open a joint account in the name of your child since his/her birth and start investing regularly in it.


2. Invest 100% in Equity for long term -

When we plan to build wealth in the future after a long time horizon say 15-20 years from now, we should go for the asset class which can give us highest returns in the long run. And that asset class is the Equity. So invest 100% of your money in Equity to build a huge wealth for your child.

The simple and easy way to invest in equity is – Equity Diversified Mutual Funds. Simply start investing in 3-4 equity mutual funds having a past record of proven performance via SIP and simply forget it.


3. No Child Future/Education Plans please -

One of the commonest mistake people do is, they invest lots of money in the financial products offered by insurance companies. This is probably because of their lucrative names. Well, don’t invest in any investment schemes offered by the insurance companies. This is because they are very costly and they won’t build much wealth in the long run. Only buy pure term life insurance for your child from insurance company and invest rest of the money in equity only.


4. Consider Inflation -

Most of the people don’t consider the inflation while doing the financial planning. If you need today’s 1 crore after 20 years than at the rate of 7% inflation, it will be 5 crores or above. So consider the inflation first and than start investing.


Thus, keep in mind the above basic things and start EARLY…!!!!

Why need Health Insurance ?

Advantages of Health Insurance

  • It relieves you from the rising Health Insurance Costs
  • Protection of your family during Medical Contingency
  • Coverage of Critical diseases>
  • Cashless cliam facility
  • No claim bonus facility
  • Enjoy tax rebates

Type of Health Insurance Plans

  • Family Floater Plan
  • Basic Health Insurance
  • Cover Critical Care Plan
  • Personal Accident cover
  • Group Medical Insurance
  • Long Term Health Plan


Health Insurance Policies

Health & Accidental Insurance provides you with a sense of security that you and your family are protected against sudden medical emergency or during the time of accident. With Health and accident cover you need not worry about your Medical Expense in such contingency. We help you provide with the best Insurance cover.

Credit Card Uses...

Credit cards work the same way as debit cards ad the process is exactly same.

only difference is that he customer's credit card account is debited and no his savings account. The advantage of credit card account is that the customer gets some time to pay back the amount to the bank. For example, the amount of all transactions done between the 1st and the 30th of a month need be paid only by 20th of the next month.

Therefore,the customer gets interest-free credit for up-to 50 days for a transaction done on the 1st of the month.

However, if the amount due is not paid by the due date, an interest will be charged from the date of the transaction at rates, which are fairly high. Banks are able to offer interest-free credit because on every transaction, they recover a fee from the merchant as in the case of Debit card,but a higher rate Merchants are willing to pay the fee, called interchange because they are paid immediately. In addition, they get more customers. many of these customers would not have purchased if cash payment was insisted upon.

Credit cards can be used for withdrawn cash from ATMs too. How ever,for every withdraw a fee of 2% or minimum Rs200 is recovered which is higher.

Further,interest is charged from the date of transaction until the date of payment.
In other words there is no interest free period for repayment of sh withdrawal made with credit cards.

Credit cards can be used for remittance too. Money can be transfered from one credit card to another credit card through the Internet. However ,not all banks offer this facility.

Credit cards issued by banks in India can be used across the world,payment will have to be made in Indian rupees only.

Safety tips while using a Credit Card....

Ultimately keeping you Credit Card Safe is you responsibility. Indeed, in a worst case scenario, if it can be proven you may have been negligent in keeping your credit card safe, you may find yourself liable for the cost of all transactions made fraudulent on your account should you lose the card. To help you avoid this, here are 5 basic credit card safety tips:


Never have more cards than you need

While it is always advisable that you have more than 1 credit card, in case it gets lost, you should never have more credit cards than you actually need to use. The principal reason why this is the case is because it becomes harder to keep a track of which cards you have and where you have kept them with the more cards you have.


Always keep a photocopy of your cards

How many times have you been asked what you card number is only to find yourself looking for your card to get the number? Now, what happens if you have a card stolen and no credit card statement to-hand? You have a problem! For this reason, it is always best practice to take photocopies of you credit cards to so that always know where to find the number should anything unfortunate happen to your card.


Always keep your receipts separate

Among the most important of the basic credit card safety tips you'll receive is never to keep your credit cards and credit card purchase receipts in the same place - because likely as not if you have lost your card, or if it is stolen, then you'll have lost or stolen the receipts as well. Now there is no way for you to vouch which transactions were yours and which where not - or, there is no way to tell which was the last genuine transaction you made.

Moreover, never keep a record of your PIN with your card, this is only asking for trouble!


Never give your account number to someone you don't know

If you are ever asked to give your credit card details to someone you don't know, or who as initiated a discussion with you (rather than the other way round) over the phone or via email, you should always refuse. Worst come to the worst, phone the card issuer and ask them if it is okay for you to divulge the information or phone the enquirer back. If the enquirer seems reluctant to accept this, you have to ask yourself why!


Never leave your account details open to public viewing

It may sound rather basic to say you should never let 'Joe public' see your credit card account details, but ask yourself this question: "How often have you received a publication subscription form in postcard format?" Now, suppose you complete this with your credit card details filled in. Suddenly half the world has access your credit card number, expiry date and signature!

Secured Loan

What are Secured Loans?

Secured loans are one of the most popular personal loans options available today. Their popularity is based on the fact that interest rates are usually lower than other types of loan, and repayments are available over longer time periods.


A secured loan provides a means to raise a cash lump sum using some form of collateral on which the loan is secured. The collateral acts as security for repayment of the loan in the event that you are unable to meet your loan repayment commitments.


A secured loan is a loan where you pledge your home against the amount of money borrowed. In the event that you default on the personal loan, the lender can sell your home to recoup the loss.

A secured loan is a type of loan available to people with securable assets. Usually these assets take the form of property, such as a home; this is why secured loans are often referred to as 'homeowner loans'.


You do not have to own your own home outright to be able to take out a secured loan; if you have a mortgage you can put the proportion of the home that you own up as security.


Secured loans require some type of security to be provided to the lender. This security can be a home or other high valued possession. These items are provided to the lender as security or collateral in case the person who is taking out the secured loans does not repay the funds.


Secured loans are quick to arrange as property is always a good form of security for the lender. Consequently, the terms are normally better, with larger loan amounts, longer repayment periods and better interest rates than those you would obtain for an unsecured loan.


For people with little or poor credit history, a secured loan is probably one of the easiest ways to access credit.


Secured loans can be used for a variety of reasons including: home improvements, debt consolidation, mortgage arrears new car or luxury holiday.


The main benefit of a secured loan is that, typically, they offer a cheaper interest rate than unsecured loans. Getting approval for a secured loan is also a lot easier than for an unsecured loan.


If you are looking to borrow over a longer period of time and have assets available to place as security, a secured loan might be your best option to finance a large purchase, or to refinance existing debt.

Presidents 2017


Jc. Chiara Lucia Milani from Italy.


Jc. Shine Baskaran

JCI India - NP

Jc. Ramakrishna

Executive Vice President-Area C

Jc. Sadananda Navada

JCI India Zone XVI

Jc. HGF. Ganeche

ZVP Zone XVI (Region B)

Jc. HGF. V. Ravi

JCI Vellore Metro

Jc. JFM. Nandakumar 9095816777

JCI Creed - MP3

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Be Indian...  Buy Indian...

“We make a living by what we get but we make a life by what we give - Jc.S.Murali

தமிழன் என்று சொல்லடா...

தலை நிமிர்ந்து நில்லடா...!

இதை எப்படி பயன்படுத்துவது?

NHM Writer - a Great Solution to type in Tamil

How to Use it ?

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இந்த வரியை கிளிக் செய்யவும்...

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Creativity leads to thinking, 

Thinking provides knowledge,

Knowledge makes you great.

Donate Your Eyes...

Eyes are always beautiful and they are always transform our heart. They blink together, move together, cry together, see things together & sleep together though they never see each other. Jaycees should be just like that. Life is HELL without Jaycees.

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JCI Mission

To contribute to advancement of the global community by providing the opportunity for young people to develop the leadership skills, social responsibility, entrepreneurship, and fellowship necessary to create positive change.

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Send any appeal or demand to the Vellore District Government offices by Email is much better and gives definite reach. As well it cut cost and save time. You will get the instantaneous confirmation on screen. For that purpose, here we provide a link to get the Email ID's of Vellore Dist Govt - all departments Email ID's. Click on the below image.

JCI Vellore Metro LIBRARY - எந்த இதழ் வேண்டுமோ அதை Click செய்யவும்...

தமிழ் இதழ்கள்

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அமுதமான குமுதம்
குடும்பத்துடன் ரசிக்க
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அனைத்து விகடன் பிரசுரங்கள்

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English News

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Important Days

To use in our Annual Planner for better projects….



1 New Year's Day

26 Indian Republic Day

27 Family Literacy Day


 6 International Day of Zero Tolerance to Female Genital Mutilation

12 Darwin Day

14 Valentine's Day

28 National Science Day


6 World Glaucoma Day

8 International Women's Day

22 World Water Day

23 World Meteorological Day

24 World Tuberculosis Day


7 World Health Day

17 International Hemophilia Day

20 National Pot Day

22 Earth Day


1 May Day

4 Annual Hike for Hospice Palliative Care

5 International Day of the Midwife

6 International No Diet Day

8 World Red Cross Day

10 WHO, Move for Health Day

11 Mother's Day

12 International Nursing Day

12 Fibromyalgia and Chronic Fatigue Syndrome National Awareness Day

15 International Day of Families

17 Telecommunication Day

22 International Day for Biological Diversity

22 International Day for Biological Diversity

31 World No-Tobacco Day


1 National Cancer Survivors Day

2 International World's Whore Day

4 Clean Air Day

5 World Environment Day

8 World Ocean Day

14 World Blood Donor Day or World Health Organization

21 National Aboriginal Day

26 International Day Against Drug Abuse and Illicit Trafficking


11 World Population Day


12 International Youth Day

15 Indian Independence Day


12 World Rubber Day

15 Engineers Day (Sir Mokshagundam Visvesvaraya BirthDay)


1st Monday - World habitat day

2 Mahatma Gandhi Birthday


11 Armistice Day (also Remembrance Day)

11 Veterans Day

14 Children Day in India

20 International Osteoporosis Day

22 Day of Singers& Musicians


1 World AIDS Day

25 Christmas Day

Save Earth...

How many TREE Saplings I have to plant yet ? Click on the tree for a simple calculation. But don't forget to plant trees. Come and join with us...  Go Green... Save Green...


Jaycees can be called an organisation of opportunities. The opportunities available within Jaycees are co numerous, it could take a life time to grasp them all. Most members select those which cater to their particular needs and make the most of them.

Basically, there are five areas of opportunities within the organization individual, Management, Community, International and Business. Projects are conducted each area. As the members work on these projects, they encounter opportunities for total development.

Individual Opportunities
Opportunities for personal development are offered under the individual development area. Seminars, such as leadership in Action, Personal Dynamics, Effective Communication, and Goal Setting help members to speak effectively. Learn leadership skills, improve their communication abilities and enhance their personal development.

Management Opportunities
The management area provides Opportunity for the development of managerial skills through learning, LOM management. It deals with finances, records, recognition, membership growth, retention, marketing and public relations. Members have the chance to work on fund- raising projects.

Milestones of Jaycees

Each year new and exciting advancements and decisions are made in the organization which is today named Junior Chamber International (JCI). As it is impossible to list them all, the following are the events and years in which they occurred, which we truly regard as landmarks in the history of our worldwide organization.


The organization began in St. Louis, Missouri, USA. The founder, Henry Giessenbier, had formed the Herculaneum Dance Club with the purpose of bringing about the social elevation of its members.


The first step towards the creation of the Jaycee movement was taken when 32 young men met at the Mission Inn in St. Louis on 13 October 1915 to form the Young Men's Progressive Civic Association with Giessenbier as its president.


In August, the organization's name was changed to Junior Citizens, and it was at this time that the initials "JC" were first employed.


On the 21st and 22nd January, the first national organization, the United States Junior Chamber of Commerce (USJCC) was formed. Twenty-nine clubs around the nation were in attendance and elected Henry Giessenbier as the first national president.


The Jaycee movement crossed international borders. Organizations were formed in many countries including Canada, England, Mexico, New Zealand, Australia and Colombia. The Junior Chamber momement came to Canada in 1923 with the formation of its first chapter, the Young Men's Section of the Winnipeg Board of Trade.


Many actions were taken to form Junior Chamber International, including the creation of the International Executive Council of Junior Chambers of Commerce formed at the Olympic Games in 1932.


Junior Chamber International was born in Mexico City, Mexico during 7 to 11 December. Witnesses to the birth of the organization were 30 delegates from North and Central America. Raul Garcia Vidal was elected the first president.


In February, the first JCI World Congress was held in Panama City, Panama, with an attendance of 44 delegates from 16 countries. At this time, a Constitution was drafted. Also this year a young Jaycee member, Mr. C. William 'Bill' Brownfield, authored the Jaycee Creed.

The JCI Senate was formed through the efforts of Phil Pugsley, the 1951 JCI president, at the 7th JCI World Congress in Melbourne, Australia.


The first permanent World Headquarters was established at the United States Jaycees War Memorial Headquarters Building in Tulsa, Oklahoma, and Philip Van Slyck was hired as JCI's first full-time Secretary General.


The rapidly growing World Headquarters moved to its own building in Miami Beach, Florida, USA.


The current World Headquarters was built in Coral Gables, Florida, USA to commemorate the 25th anniversary of Junior Chamber International.


At the 38th JCI World Congress in Taipei, the organization's name was changed from Junior Chamber International to Jaycees International.


Honorees were recognized at the first Outstanding Young Persons ceremony at the 38th JCI World Congress in Taipei, Taiwan.


At the 39th JCI World Congress in Sydney, Australia, the organization's name was again changed from Jaycees International to Junior Chamber International.


1989 was an historic year for JCI as services were extended to the Eastern Bloc countries of Estonia (USSR), Poland and Hungary.

JCI - Declaration of Principles

"We believe:
That faith in God gives meaning and purpose to human life;
That the brotherhood of man transcends the sovereignty of nations;
That economic justice can best be won by free men through free enterprise;
That government should be of laws rather than of men;
That earth's great treasure lies in human personality;
And that service to humanity is the best work of life."


The year was 1946; the place, Milwaukee, Wisconsin, U.S.A.; the event, the United States Junior Chamber National Convention. Visitors came from Canada, Mexico, South America, Europe and the Philippine Islands. It was here that the idea of a JCI creed was born. The Creed is now called the JCI Declaration of Principles.


Past President of the Ohio Junior Chamber and National Vice President of the United States Junior Chamber C. William Brownfield realized at this convention that the organization did not have a creed. He was inspired by the devotion of Junior Chamber members "to the purpose of serving mankind in a thousand different ways, right down at the grass roots where freedom lives or dies."


Brownfield saw Junior Chamber as "the potential for a new force in the world, one capable of changing the balance between victory or defeat for our chosen way of life in a time of crisis."


The actual writing of the Declaration of Principles took place in July 1946 during a drive from Brownfield's hometown of Columbus, Ohio, to his coal mine in New Lexington, a journey of about 75 minutes. He started that journey with a firm conviction in his mind to work on the Declaration of Principles. It was during that trip that the following words came to mind and were put on paper:


The brotherhood of man transcends the sovereignty of nations.
Economic justice can best be won by free men through free enterprise.
Government should be of laws rather than of men.
Earth's great treasure lies in human personality.
Service to humanity is the best work of life.


In 1950 the first line, "We believe that faith in God gives meaning and purpose to human life." was added.


Since it was written, Junior Chamber members all over the world recite the JCI Declaration of Principles at local, national and international meetings and functions. During that time there has been much discussion of the interpretation of this document. The author himself said, "Every Member is free to interpret it in the light of his own conscience."


The following interpretation is based on Brownfield's own views and what is commonly believed and understood to be the meaning of the Declaration of Principles to the organization.


"We believe . . . " Everyone must believe in some ideal, principle or philosophy. To believe is to practice what is believed to be true.


" . . . That faith in God gives meaning and purpose to human life . . . " "God" here does not refer to any specific religious God, but to a supreme omnipotence. It does not matter who or what your God is; the line is just saying that you must believe in something. Brownfield interpreted it in this way: "The Junior Chamber membership, drawn from many religious backgrounds, is united by a common bond of faith; that man lives by the will of (his/her) God, that God's will for man is good; and that the life worthwhile is lived in harmony with His eternal plan."


" . . . That the brotherhood of man transcends the sovereignty of nations . . . " This line breaks down all the boundaries that have been imagined by mankind. It simply means that all men and women are equal. It respects allegiance to one's country, but, at the same time, reinforces the idea that man is a citizen of the world. Brownfield put it this way: "Man made boundaries have been drawn and redrawn, separating the human race into many nations. But across these unnatural divisions there has been an intercourse in art, science, commerce and religion; evidence of man's universal brotherhood; proof that man himself, not his territorial divisions, is of basic worth."


" . . . That economic justice can best be won by free men through free enterprise . . . " The operative words here are " . . . can best be won . . . " Junior Chamber members believe that man should be free to use his skills and abilities to the limit in improving his economy. Brownfield expressed it this way: "Where economic improvement has been greatest, man has been free to follow his dream of making a personal fortune by doing something never done before, or by doing it better." He also said, " . . . the system of self development through private enterprise could be adapted with variations to suit local conditions in many parts of the world."


" . . . That government should be of laws rather than of men . . . “This simply means that no one should be above the law, and that the law should be the same for all people, no matter what status they hold in society. The government must be based on constitutional law, accepted and ratified by a majority of the people. The power to change laws and elect governments should remain in the hands of a majority of the people. Abraham Lincoln, the 16th President of the United States, spoke of a government “of the people, for the people, and by the people." This line crystallizes what President Lincoln was talking about so many decades ago. Brownfield expressed the meaning this way: "In a free society, the fundamental law is derived from the people. It is they who hold the final authority."


" . . . That earth's great treasure lies in human personality . . . " Every individual has a separate and unique personality. That is the main difference between humans and other creatures of the world. That uniqueness makes the human personality earth's greatest treasure. It cannot be duplicated nor can it be made. Brownfield's views on this line are: "True treasure lies in the hearts of men. There is about us a vast field of opportunity for cultivation of the human personality. It is not the quantity nor the length of life that gives it zest, but the quality of living, the achievement we make in terms of human progress."


" . . . And that service to humanity is the best work of life." This final tenet of the Declaration of Principles is the logical culmination of the preceding lines. A person who believes in the Declaration of Principles will most definitely find service to humanity to be the best work of life. Note the word humanity. Brownfield's interpretation to this line is, "The life lived unselfishly grows richer, deeper and fuller. Joy is more enduring and peace of mind, more certain. The world looks at the contribution such a life has made and marks the one who lived it as a benefactor of the race; yet he knows in truth the greater benefit has been his own."


No matter what a member's interpretation of the Declaration of Principles may be, he or she should always practice what he or she believes. Many unsuccessful attempts have been made to change the Declaration of Principles, but it has prevailed through the years and continues be the covenant that holds the organization together. Many members have made the Declaration of Principles their guide in life.

Junior Chamber International (JCI) is a worldwide federation of young professional and entrepreneurs between the ages of 18 and 40. The National organizations federated to Junior Chamber International are active in more than 8,000 chapters in 123 nations and territories. The mission is to contribute to the advancement of the global community by providing the opportunity for young people to develop the leadership skills, social responsibility, fellowship and entrepreneurship necessary to create positive change.

Junior Chamber International was founded in Mexico City on December 11, 1944, when representative from eight nations met to create an organization that would address global concerns. From these eight nations, Junior Chamber has grown to include more than 123 nations and spans every continent.

The JCI Headquarters was established in 1951 and is now in Coral Gables, Florida, U.S.A. A professional staff of 35 full time employees provides services to JCI members. Its chief executive officer is Secretary General Benny Ellerbe. JCI is a non-governmental organization (NGO) with active participation in the United Nation Systems, including several UN agencies such as UNICEF and UNCTAD.

JCI has cooperation agreements with the International Chamber of Commerce (ICC), International Association of Students Economics and Management (AIESEC), the Pan American Health Organization (PAHO), the World Health Organization (WHO), the United National Educational, Scientific, and Cultural Organization (UNESCO), and the Inter- American Foundation (IAF).

JAYCEES or JUNIOR CHAMBER is a worldwide association of young people between the ages of 18 and 40, which welcomes all nationality races and religions. This is a unique organization which gives to its members an opportunity to undertake projects of a worthwhile nature in their own communities and at the same time to develop qualities within themselves that will make them better individuals. All member of Junior Chamber, from the World President to the newest member, through a process that is helping them become a better person.


Young people who join the Jaycees get an opportunity for improvement by participation in its internal and external programs, which make them more developed individuals than they would otherwise have been.


Junior Chamber is established in 15,000 communities throughout 100 member nations. Jaycees International (JCI), the international association of Junior Chambers, is the largest young people’s organization in the world with over 600,000 members. Its membership believes in the principles stated in the Jaycee Creed. It does not have an occupation classification as determination for membership except the age requirement. Basically a leadership training organization, its projects are action oriented.

THE BEGINNING OF JAYCEES Henry Gissenbier, a young man from St. Loius, Misouri, U.S.A felt that young people acting in a voluntary capacity could fashion new standard of life of their communities. On October 1915; he called a meeting, attended by 32 men, who left up an organization called the Young Men’s Progressive Civic Association. It was devoted to community betterment. The vigor and imagination of the youthful group attached the admiration of the St. Louis Chamber of Commerce, which on February 11, 1918, asked the young men to consider the title “ Junior Chamber of Commerce” so was the name born. The movement spread, so that by June 1920, the United States Junior Chamber of Commerce marched on to Canada, New Zealand.

Over to Asia, over Europe and to Africa. In 1944, in Mexico City, the world organization, the Junior Chamber International was formed and since that date, JCI has fired the imagination of hundreds of thousands of young men across the face of the earth. In 1972, the World Organization officially adopted the name, “Jaycees International”. The Origin of Junior Chamber can be traced as formed the Herculaneium Dance Club with the main objective being the preservation of conservative dance style. Five years later, in 1915, Colonel H. N Morgan, a prominent St. Louis citizen, inspired the members of the dance club to become more involved in civic issues. Giessenbier and 32 other young men formed the Young Men’s Progressive Civic Association (YMPCA) on October 13, 1915. This organization grew to a membership of 750 in less than five months.

THE FIRST WORLD CONGRESS, two years later, In February of 1946, the first World Congress was held in Panama City. This Congress was attended by 44 delegates from different countries. The international organization was formally constituted, a temporary constitution was approved, and the word “Commerce” was omitted from the official name. Erasmo Chambonnet of Panama was elected the second JCI President at that Congress, and Australia and Canada were officially affiliated. In 1948 the JCI Creed was officially adopted at the IV JCI World Congress in Rio de Janeiro, and in 1952 a permanent Secretariat was established. In 1972 the name was changed to Jaycees International; however, 1n 1988 the name was changed back to Junior Chamber International.


The Vellore Jaycees Metro is a small but effective group of men and women dedicated to self-improvement through community service. We consistently strive to make our town a better place to live. It is our desire to impress upon people of all ages the final line of the Jaycee Creed, namely that service to humanity is the best work of life!

The JCI Vellore Metro chapter was formed by a group of several men and has since evolved to include a large number of active men and women. These people are of diverse backgrounds from local business owners to members of major corporations. This diversity provides a variety of talents and skills to the organization while maintaining a commitment to the Jaycee value of community and individual development.

We take great pride in the metro town of Vellore and demonstrate this community interest not only through community-minded projects but also though participation in local events and participating actively in events sponsored by other local organizations.

Not only have the Vellore Metro Jaycees been an extremely successful community organization, but we enjoy numerous social activities including Social Projects, Cultural Events, Educational Competitions, Sporting Events and Free Training Programmes. We work at serving our community while having a great deal of fun.

The Vellore Metro Jaycees is not just a local group. We are also affiliated with JCI India,which comes under Asia Pacific Region of Junior Chamber International. These organizations provide additional events and ways to get involved. Come join tomorrow's leaders in action today!