“A person who won’t read has no advantage over one who can’t read.” Mark Twain At present, I am reading 3 books. On Writing Well by William Zinsser (2nd Time), Palkhiwala, the Court Room Genius by Soli Sorabjee, and A Practical Approach to the science of Ayurveda by Acharya Balkrishna, (2nd time). I keep referring to Tools of Titan by Tim Ferriss. There is a famous … Continue reading Why Should You Read Daily? 13 Powerful Benefits of Reading Books
The following excerpts from Ashtavakra Gita by Swami Chinmayananda is the trigger for this post. “It is indeed perfectly natural that we eat food, but should never allow the food to eat us.” These lines in the book have a spiritual connotation but the literal meaning of the lines is also true. Yes, the food you eat eats your body. This is true when you do not exercise Vivek (acumen) in what you eat. Here … Continue reading Do You Know The Food You Eat Is Eating Your Body?
“A boy’s first hero is his dad.” Loss of parents is tantamount to living on the Earth without Earthing. This is why it is called Earth Shattering. Our foundation in this world is our parents. When they are no more, we feel groundless. This is more so grave when the association is of more than 50 years. On the 9th of this month, I experienced … Continue reading An Obituary of My Father Who Died at the Age of 84
Recently I saw the following quote on Facebook. This means; when one knows the Self, one knows the universe, whatever else one knows is useless if one doesn’t know the self. Here knowing the self is not about self as a body as we usually assume. It is about the soul which is invisible and most difficult to know. Our identification with the body is … Continue reading Knowing the Self is the Beginning of Endless Cycles of Life & Death
“That’s why I love road trips, dude. It’s like doing something without actually doing anything.” – John Green “You can be writing every day. When you go on a road trip, the trip itself becomes part of the story.” ― Steve Rushin The journey started on Tuesday at 7.30 in the morning by Skoda Fabia. We were joined by a friend couple Poonam and Dharmesh. The excitement … Continue reading A Road Journey from Mumbai to the Statue of Unity
Upper classes are a nation’s past; the middle class is its future. Ayn Rand The irony is middle-class earners are busy earning money and aspiring to become rich. In the process, they just ignore the very process to enhance their financial wellbeing. We were not taught financial literacy in school. It takes a lot of work and time to change your thinking and to become financially … Continue reading Money Basics Middle Class Needs to Master for a Good Life
When it rains earth, mountain, lawns, and bridges all get wet. The value of shelter goes up. Similarly, in times of Warmongering and actual war, the performance of national economies, private companies are affected as the risk increases. The value of the unaffected metal Gold goes up. We live in fickle times. Things change overnight. A terrorist can attack twin power and the world become an unsafe place. Nuclear … Continue reading Why Is Gold Not The Safest Investment in Uncertain Times?
Watching a web series Crown on Netflix is an enthralling experience. This is more so when we compare the web series Indian producers are producing. Our web series are about sex, foul language, crime, and violence, Period. The same is true for our movies. This is the reason though we make more movies than Hollywood, in revenue terms, we are way behind. This post is … Continue reading Do You Want to Die with Grudges?
Scene: INT: Pavilion Mall in Pune – 1st Jan 2020, Eve. Several mega-brand stores were witnessing encouraging footfalls. We visited a couple of stores. There were plenty of products and brands on display. Most of the products we never used were attractively placed. It was tempting to buy several of them. We didn’t buy any but decided to buy some of them as and when the occasion … Continue reading Isn’t Buying Unwanted Things a Social Crime?
Reading this post will enable your life to become happy and not just the new year 2020. “The greatest burden a child must bear is the unlived life of its parents.” Carl Jung, the famed Swiss psychologist. Parents imposed upon their children what they could not do. Instead, start living an unlived life. Free your child from the burden of your unlived life. Let them … Continue reading No Happy New Year Without Living an Unlived Life
Yoga takes us from substance to subtle. Patanjali 8 limb Yoga starts with Yama and ends with Samadhi. What is Samadhi? Samadhi is not becoming one with who you are, i.e. the soul. It is knowing who you are i.e. the soul different from the body. Yama is about our social conduct. Niyama is our personal conduct. Asana we all know is about the container of the … Continue reading Do Not Settle at the Base Camp, Aim for the Summit of Yoga
“We were not taught financial literacy in school. It takes a lot of work and time to change your thinking and to become financially literate.” Robert Kiyosaki This is a classic case of how financially prudent decisions can change your life forever. Here is a family of 3, a couple and a young son just turned 20. Both husband and wife, in their early 50s, … Continue reading How Can Financial Illiteracy Keeps You Slave Forever? Real Life Casestudy
Many people like to retire early and many do not like to retire till death. The single most important condition to retire at 40 is to have a desire to retire at 40. Many people who have enough to survive for a couple of generations are not retiring at 70. They keep working and work for money until their body says no. Some people are so … Continue reading How Much of Your Valuable Life You Want to Use for Earning Money?
We have all kinds of coaches from life coach to career coach to business coach to swimming coach to math coach and many other coaches. We don’t have a permanent Wellness Coach. Our health is at the mercy a doctor when our body refuses to work or gives worrying signals. On one hand, we have an epidemic of lifestyle diseases like Diabetes, Obesity, Heart Diseases, … Continue reading Why Do You Need A Wellness Coach?
Life is uncertain. Death is certain. There are family members dependent on you. Your death can make them vulnerable if they are not financially secure. You have still not achieved the level of savings required for a comfortable lifestyle after retirement. In these circumstances, Life insurance is the only investment that can rescue your family from financial distress. There is a famous quote that aptly … Continue reading Why Shouldn’t You Escape From Life Insurance?
Everybody is striving for happiness every day and every moment, yet we have a whole lot of unhappy people. There seem to a basic lack of understanding about what happiness really is. Our desire for more is the culprit which keeps us unhappy. This post cover some of the aspects of happiness and how your approach needs to change to become happy instantly, forever. You are supposed to be happy but you … Continue reading Why Are You Not Happy? How to Become One?
“College graduates spent 16 years gaining skills that will help them command a higher salary; yet little or no time is spent helping them save, invest and grow their money.” Vince Shorb, CEO of the National Financial Educators Council Karvy is pledging customers’ shares, PMC bank joining hands with the fraudulent borrower, DHFL lending recklessly to builders. Many such companies in the financial system thrive and defraud every now and … Continue reading Nothing is Safe, How to Minimise the Risk?
Mergers, acquisition, sell-off, buy out and takeover are common with large businesses and start-ups. Every now and then we read this news. However, there is no such large market for SME businesses. Selling a business is a good option in several circumstances. Holding on to it for emotional or non-strategic or non-financial reasons is not a good decision. A simple one-liner is when you can’t … Continue reading Are You the Best Owner of Your Business?
We all know putting all eggs in one basket could be dangerous if the basket goes bust. Similarly, keeping all your savings and investments in one class of assets could be either risky or would not give a reasonable mix of return. There are several classes of assets available for an individual to park their savings. Some are risky, some are safe, some are reasonably safe, and some … Continue reading Do You Know Asset Allocation is the Key to a Successful Financial Planning?
“If you look at healthcare today, it’s all about disease. It’s not about understanding wellness at all.” Leroy Hood You have all material wealth and luxuries; you are fit but yet do you feel happy? Many rich people and celebrities are falling under this category. But this feeling of lowness and unhappiness is not limited to rich and famous, it is across society. Depression and … Continue reading Your Well-being Matters & It’s An Urgent Need Than You Think
PMC Bank scam and many such scams that sprung up every now and then have shaken the trust of the depositors in the financial system of the country. But the scenario is not that bad. There are various safe investment options available to investors. One of the safest and trustworthy institutions of the country Post Office offers several investment schemes for the depositors and savers. … Continue reading The Safest Investment Schemes You Need to Know
Today is Children’s Day. India is celebrating its 1st Prime Minister Pandit Jawaharlal Nehru’s birthday as Children’s day. Most of the readers are beyond their so-called childhood age. Does that mean the children’s day is not relevant for us? A BIG NO. “We don’t stop playing because we grow old. We grow old because we stop playing.” George Bernard Shaw This is absolutely relevant for all … Continue reading This Is What Adults Can Do On Children’s Day
Investing in the stock market is a painful experience for most of the investors. The market like a pendulum can change the fortune either side. We invest by tips, news reports, friends’ recommendations, expert recommendations, our own analysis, on gut feeling. We invest in turnaround stocks, best performing stock, dark horse and on technical charts. Yet most are struggling to make money, some could change … Continue reading The Easiest Way to Pick-up Stocks for Long-Term Gain
‘The art of healing comes from nature, not from the physician. Therefore the physician must start from nature, with an open mind.” Paracelsus Our body is made up of 5 elements. These are space, air, water, earth, and fire. Minerals in the body come with the Earth element. Minerals are inorganic substances required by the body in small amounts for a variety of functions. These … Continue reading The Impact of Mineral Deficiency You Need to Know for Healthy Living
One of the important roles of financial literacy is to know when the money is enough and when to stop pursuing money. Those who think devoting life to earn money till the body works are not only financially illiterate but also life illiterate. The purpose of life is not to earn money, exploit the body in the dedication of earning money, suffer, and die. The money is … Continue reading Your Financial Literacy Without This Is All Useless
“Everyone thinks of changing the world, but no one thinks of changing himself.” Leo Tolstoy Lack of knowledge is not the right answer. Lack of immediate benefits might be. There is enough awareness about the importance of exercise and eating the right diet. Blogs, TV shows, web shows, newspapers all are full of fitness-related stuff. Now the Govt of India has also woken up and initiated Fit India Movement. … Continue reading You Know It, Yet You Suffer, Not Doing What You Know Is The Problem
Becoming rich is a dream. Is it your dream too? Becoming rich and building wealth is possible even if you earn less. Earning more is not necessary to become Rich. Saving regularly is the key. Rs. 1,000/- invested monthly for 21 years at a 12% rate of return, becomes Rs. 11.40 lakh Rs. 5,000/- invested monthly for 21 years at a 15% rate of return … Continue reading How to Become Rich With Less Income
PMC Bank depositors are struggling to solve their problems. Godwin Jewellers investors are worried. There are several such companies and banks which fail from time to time. Gullible investors/depositors lose their hard-earned money. In the 90s it was IPO scams, and plantation companies robbed investors. Every now and then the comes promoters who shake the system and benefit out of its inefficiencies. The Govt is doing … Continue reading Investor Grievance Redressal – What You Need to Know
Central Govt. yesterday issued a notification banning sale and advertisement of junk food near a school campus, school canteen, and hostel kitchen. They say these foods contain high fat, salt, and sugar. Salt, sugar, and fat are dangerous to our health. But most of us ignore the most dangerous of all Vegetable oils in our food. Yes, Vegetable oils once marketed as heart-friendly is proving … Continue reading Vegetable Oils, Enemy Number One of Your Brain and Heart
Once I was with my client at a coffee shop in the 5-star hotel. I was asked about my coffee choice. Out of the multiple options , I was not sure what to order so I left it to the client. I thought when we had only two options of coffee i.e. filter coffee, and Nescafe life was easier. With the arrival of Starbucks and … Continue reading A Short Post on Personal Finance for Quick Understanding