19. Self-knowledge and Self-development: A Hindu Vedanta View: The core of Indian spirituality is to know ourselves. We believe that the body and the mind are sheaths covering our true nature - the Self. Without self-knowledge, we live in endless insecurity. The BMI (body, mind and intellect) are miserable when we try to derive lasting happiness from the world outside. Nothing gives to us true happiness. The BMI discover poise when we look within and find the Self. Then the physical, emotional and intellectual aspects of our personality express the peace and security of the Self. 20. Holistic Development : The whole of life is valuable. Deep satisfaction is ours when do justice to the whole of life, all the vital areas. Otherwise, our way of living has fragmentation. Lopsided growth can do no good in the long run. Holistic development covers, on one hand, the upkeep of our body, speech, mind and intellect. On the other, it encompasses service to society and nourishment of Nature. All this is possible when there is increased clarity on our own self-identity. Inquiring, "Who am I?" is a core spiritual exercise that enlivens holistic growth. 21. Finding Peace in a Hurried World: Let the keys to your happiness not be in somebody else's pocket! You must know how to unburden yourself and feel the freshness and childlike innocence in your heart, even as more responsibilities and challenges come your way. Let work not overwhelm you. Let domestic and social responsibilities not take away your serenity. Objectivity, integrity and humility are among the ways of life that protect your peace amidst storm around you. Mind-management with self-observation and self-knowledge can keep you afloat on the rough sea of life's events. 22. Understanding and Overcoming Fear: Human life - domestic and professional - is beset with fear of many kinds. Philosophically, memory of painful experiences causes fear. One fears that such pain may repeat. Again, attachment is the basis of fear. One is afraid that somebody may take away what is very dear to one's heart. Or it is a case of fearing that one may not get what one wants. In summary, it is a mischievous play of a conditioned mind. We can treat our mind to its better health - eliminating all false conditionings. Learning to live in the present, we can significantly reduce fear, if not eliminate it completely. 23. Turning Proficiency into Efficiency: The knowledge and skills that we have constitute our proficiency. Efficiency is a matter of how much of it we bring into expression in our work. Very bright, qualified people sometimes perform poorly, while less-equipped people deliver goods better. What is the secret of being efficient? Three areas can be identified where we may remove obstacles to being efficient. Inertia, mind's wandering away from the present moment and resistance to team work lead to poor efficiency in spite of good proficiency. We examine how these hurdles are overcome. 24. EQ - A Tool for Personal Effectiveness: Understanding our emotions, managing them and motivating ourselves into worthy activity are three aspects of Emotional Intelligence (EI) that lead to increased personal effectiveness. The emotional quotient (EQ) complements the well-known Intelligence Quotient (IQ). Together, the two abilities make an excellent worker, manager or leader. The price of neglecting our emotional development is too high. The benefits of emotional maturity are immense. We examine aspects of the role that emotions play in our work life and identify ways to increase the EQ. 25. Stress Reduction using Ancient Wisdom: Trikarana-shuddhi is the traditional expression for our key to reducing stress in daily life. It means purification of the three dimensions of our personality viz. body, speech and mind. The old saying goes, "Two hands are needed to clap." The outer world no doubt throws new challenges at us, but it is our weakness often that makes those challenges too hard to face. A programme of constant self-improvement increases our inner strength. A stress reduction hexagon summarizes the six approaches to solve this problem of increased stress in life. Regular exercise (X), Emotional Self-education (E) and Study (S) of inspirational literature are one side of the hexagon for inner development. Objectivity (O), Integrity (I) and Humility (H) are the second side of the hexagon, which significantly improve our relationship with the world around us.