I live the best life

        Most people prefer sycophancy and say I , me , my self is the best . They are wards in no way express their real feeling but only shows how insecure that man is feeling from other he cant match in all quality . So he use these words to make his presence felt by others . This behavior in no way is going to give him the ultimate peace  until he recognize self and start admiring what he poses and not re grate what he never had . The day he do so he will definitely get the peace of mind which is price less .

      Recently I saw a movie in which the hero say a line that struck my brain again and again . The line is " mujh me hai dum ky ki meri jarurate hai kum " in hindi and the translation is " I have the strength as my requirements are less ". This character is completely different from the one I had mentioned above  , or both are in total opposite direction of the map .

   Which is the best one and what are the parameters to judge them to select the best one ? Both need money to survive , both earn them but the way they spend them is the basic difference what I think . In todays world the technology is changing at jet speed so do all our requirements . It is not possible for all if you are not a milliner or a billionaire to match with the latest trend .                                                              

    We can see different spending behavior among our present day Richie richs , may it Warren Buffet , Bill Gates or Mark zuckerbarg  . All have the money in plenty but spend it in a different way . Spending money has a vital relation with our way of thinking about self and surrounding .Spending more can never make one happy for all time .

   As the money may not stay with us all time who cleverly we may plan for our future . Future is a uncertain place full of surprises . Only if we can think that what ever I have is the good enough will help in giving us positive energy by self satisfaction so the path for further growth . 

 So try to say I live the best life financially to grow more financially .

Things I can/cant buy....

      Buying a product is the foundation of old as well as modern economics . It has helped to create empires , bringing continents - civilizations closer enough that helped the creation of modern world . Though in today's time the definition of buying a product has changed dramatically and it very s from person to person . Many story , novels , films and articles were written about different angle of this humane need .It is now a days more about hobby then basic humane need.

        Buying a product involves two people one who want to buy it and one who wishes to sell it . It is more about psychological activity of two people then about economics . Most  good seller were master of human psychology and behavior , where as only few buyer are that good to dominate a seller . With availability of easy money , high salary , credit options we rarely think twice before buying a product . Where as in lay mans word we should buy a thing that we do not have but it is required in our life.

       Brand of a company is the thing we mostly prefer to go after where as it the only thing that helps the company to grow financially . It is why most brand have good brand ambassador who will help in influencing the customer in his purchasing decision  . Price of a product is also another factor many people look into , but take recent example where a company selling its FMCG product at a price 5 to 6 time higher then other mnc products where as both procure their product from same factory . Asia supply's clothing lines to many European and western boutiques that sell it at a premium .

       But we can now see the impact of this mad buying in many western country as Portugal , Italy , Greece . People never thought while on a shopping mood . One golden line a customer  should remember is that one who selling a product is not their to do any charity but to earn some bucks and grow financially  .

       Many time it also happens that we became unable to buy a product as our wallet is not deep enough to fulfill our wish or need . Unable to do it brings a scene of a looser which should not be the case if it is not matter of life and death .It is now more about a hobby then about basic need.
       After purchasing a product I analise whether I needed that thing or not , where as I should have done that earlier . So wakening up only after a financial crises is not work of wise . Shopaholic the word mostly coined for a person with this habit, is not a good name to continue with .

Good money and Bad money

       Money in most part of the world carry's the picture of the great personality of that country as a symbol of nationalism . In India it is Mahatma Gandhi , USA its of a president like Franklin or Linkon , UK it has the Queen , so in all other country . These peoples name itself is sufficient for keeping faith or taking vow in their name . In India we add goddess Laxmi , Greeks  have Plutus ,Chinese use  Tsai Shen Yeh as their respective god/goddess for wealth and fortune . 

    

       With so many good names and gods involved with money how we have names like bad money , black money , blood money also associated with it  ?  Normally it takes hard labor for any one to earn the money that's why most of us prefer to associate good things with money , in a show of respect to that hardship one goes through to earn that money . 

        When one man makeing hard labour to earn money watches that another person is earning more with little efforts becomes venerable to take that shortcuts for achieving his goal early . The difficult part is one can rarely come back to old track once he starts walking in the another . 

     

         Despite of all this goodies people take good as well as bad path to earn money that suits him/her , many time not all worried about the final consequences . In no way money knows whether its good or bad , black or white . Person carrying that money is his immediate master is the only thing I think it knows , with change of master it changes its loyalty . Is it forbidden to earn money in bad way ? By earning money honestly can we say that only good things will happen in our life ? These are few question arises in our mind when earning money is concerned .

    Scientifically or financially there is no theory to prove which path is good or evil  . But with the way we earn money there happens a long term physiological change in our behavior which can have a deep impact on our life . With easy/bad money comes laziness , arrogance , hater-ate , ego , overconfidence and many other behavioral changes which certainly has the potential to make a deep impact on our personal , social and family life . For example X is earning 50,000 per month by all means , he will live a life according to that income , where as the income in bad ways is never certain . If some day he looses that income he will remain in search of that way of easy income which is not possible all ways and hear begins the problem in his life . Where as a man earning hard money will think twice before spending it and becomes the long term winner like the turtle race .

   

  

Dasyu Ratnakar of the day

     RAMAYAN the epic story , religious book , and what ever we call it  is written by  legend Valmiki .But interestingly earning money had played a major role in the writeing of RAMAYAN . The story has massages for all section , age , generation may it be modern or old as the moral of the story has fitted in the past , present generation and the tech-advanced gen-next . With it Ram became god and Ravan the villain but Valmiki became immortal for ages to come

   The transformation of Ratnakar a docait(robber ),  thief into Muni Valmiki and his life is what inspires me more time and again . The story is Ratnakar use to do all bad things in life to feed his family , he never had a second thought on his job or its impact on others . But one day when he asked his wife will she take a share of  his sins she refused .She replies him that it is his job to feed and meet all the needs of her and their children , she was never part of his way of income so will never share the burden of sin of him . This is the moment that has laid the foundation for change of the man . 

   What ever he had done till date was meant for the family and next generation as after death no one will take any thing from this world .

    Though these type of lessons are present in the society its moral were never fully used by us else the society we live would had a different taste . When ever I look at any man who is prepared to go to any extent to earn money remind me the dasu Ratnakar who use to live thousand of years ago but his ghosts are still present in the world . Perhaps they have not yet asked their beloved one that simple question .

     The impact of money , wealth on our ancient books is present there . With the modern day economics also most of the basic of the game has not changed . Recently when a Fund manager of large investment house goes to jail he suffer alone not the beneficiary of the company that he represent . In our surrounding also we see the example whether we take a note of it or not depends on us . 

    So called generation change will happen every time but moral of few epics are immortal and time tested , meant for all time to come .

Bouncing back to life

   
               Law of physics says when one object falls it bounces back as per its physical law . But when a man falls low in emotion ,  finance , respect, character , moral , health , and many more he may or may not bounce back . Though we all are bounded by law of physics in this case the law never works .  Unlike a ball which goes up in no time a man takes time according to his own mental strength , situation at that point . Only lucky few are able to get out easily .

      The reason behind most take time or unsuccessful in bouncing back is the pain , suffering they under go during the fall plays so hard on their will power normally they brock down . Life becomes a misery , full of wounds of falling low , psychological break down  and more bad , rarely anything good left  .Few end their life unable to cope with the pressure . At that time man search for a slightest  light of window . But to get that that window it takes a mentally strong man able to challenge all odds that comes in  .

             A man when falls physically , medically the all near one try to heal him . Recently a gang raped girl though unable to speak up any thing due to her injury's in vocal cord writes to doctor that she wishes to live . The strengthen in  her is tremendous as after undergoing such a situation normally many girls break down . In this she is getting all the support from her family , friends and society but with out her own iron will power it was not possible . I have seen many physically , mentally challenged people have lived happily on on the strength of their will power .

 

         Many man loose  their family , work , relation life only due to addiction to many things , some time loosing all they have . All aspect of life have their own rules to be followed by all , when the rules are broken for comfort , pleasure , shortcut we face situation one even cant imagine . Self analysis after it is must .In normal process also some time adverse situation arise in life by raining fire of hell in our life .

        Facing all changes that life throws at us with all patience , intelligence , braveness is most needed . It is the time we become venerable to commit mistakes . Not loose the cool is the best mantra . At any any adverse situation we generally cry for our bad situation comparing others not having that kind of bad things in their life . Where as to gain strength we should look at persons facing more worst situation that we are facing

          Falling low in life is never good or bad , it must be taken as an experience of life in bad taste but the fighting spirit with in us is tested only at these adverse situation .Rectifying and identifying  the previously committed error is most important .  Never give up to a situation is only way out.

    

I am connected

           Connection - a word we normally use for  join ,  fasten , associate or consider as related . The human races evolution has been a gift of this ability of ours to connect with other  emotionally , physically , psychologically , financially  . We were connected with others may it be a human , any living organism or any object . Now a days the connection is more with web , electricity and many essential thing in life . So basic thing is without connecting with other creation of nature , life is something we even cant imagine . Once we are connected  many developments happen few good few bad .

           

       Many time I listen people calling them self well connected to a man having power , money or many thing he may require in his life . The real strength of that connection can be accessed only at a time of requirement . The truth is all those connection were never meant to be a permanent one . A child needs parents only till his material need are fulfilled by them , after that only emotional connection can bond them . A fully  grown young man can take care of him self so he rarely need them for his day to day life .           In this process of connecting with others now a day we were forgetting one most important person with whom we should connect first , self . We were detaching  with our inner sole more we are getting connected with the ousters  one . One man has every thing in life good job , nice wife , wealth etc but he still some time feel that there is some thing in life that was not with him . But in this process he never tries to identify it in a proper way . 

         The complex life of the day also is major hindrance in the way of self connecting . We all have a pr-scheduled life for us with many obligation and duty's to fulfill . I just feel envy of our ancestors , though there were not as technically advanced as we are today but never in a rush like we are to fulfill daily requirement .

       A man in his 30 , 40 will rarely have time for all this as his priority's in never allow him  but a man in 60s with more spare time  do all to achieve it but some time its too late .

       For early  self connection we need to stop , halt , have a look back , give time . Think about what I really want , not what the society demands . Take help of yoga , prayer or any other means preferable that give you time to sit peacefully and connect with your inner soul . With this we can get the best buddy one can have  .

       The beauty of inner soul is unmatched , I started it few years back and some what I had succeeded in it . We can ask and discuss many topic that  with others we cant.

Beat the financial cheat

                Financial cheating is a common phenomenon going on in India and around the globe  with the growth of complexity in financial world . It never depends on the person who is a cheater but it mostly depend on the victim as in most cases he is the only one who   can  avert  this financial tragedy . No law of the land how strong it may be can help in this but alertness and verifying many facts before financial investment is the best way . 

              A financial cheater will never hesitate to cheat any one as it is his profession  to cheat others and the way he earns his bread and butter . The cupidity  for money , lack of financial education , blind faith on a person , rush make big money quickly are few reasons a man becomes a victim in such tragedy's  . The cheaters  are great psychologists , good actors and have  good knowledge of human behavior   . A mans education , work experience , high / middle / low status in society never matter in this as there is a trap for every one unless he remains alert .It is more about human psychology then economics .

            A rickshaw puller , labor class man are sitting ducks for thugs , who wishes to make few money . I had seen in the name of micro finance , money doubling schemes  , easy finance they can be lured easily . They generally know about all this only after the thugs flee the picture . The poor man cries  and goes from door to door for recovery of his hard earned money , which is few thousand in most cases but rarely gets any thing back .

           The educated middle class man is a target for few million . As he is educated he believes if any thing is given to him in written with out thinking twice about the legal acceptance  of that document . Recently when a X company registered in the company's act had some trouble many people loose lacs  of rupees in it . As per Indian company act there is not much scope for them to take any legal action . These firms normally offer 2 to 3 time higher annual interest than a bank deposit acts as a honey trap for investor .

         H.N.I. (high net worth individual ) are the creamy layer of the society . They never invest in above mentioned sachems but never immune to any  financial frauds   . A master of the game is required to trap them .Excess money in their pocket can be blamed for in these persons case , even for the least possible interest they invest money in different forms .

      Unless we keep our self alert and go by the financial laws we cant avoid financial tragedy . The person affected by this some time able to get out of it but most loose all . It disturbs a persons social , personal , family , future life . Never ever put all eggs in one basket is the golden rule of investment for centuries . So be wise be financially safe .    

My funeral

              My funeral the last thing to happen in my life , a very important one but I will never be able to watch it . Can I plan for it ??? From my birth many  things in life are planed or at least  I am part of every thing may good or bad . It will be the end of the journey of a life time , end of emotion , avarice  , ego , anger , knowledge , relationship , wealth and every thing that I have today or earn in future .

                          " Nainam chindanti shastrani ,    Nainam dahti pawakah ,                            

                           Na chainam kledayantyapo  ,   Na shoshayati Maruthah "

            These are the lines that hindus believe means " Soul is indestructible. No weapon can pierce it. Fire cannot burn it. Air and wind cannot dry it out and water cannot wet it. You are soul, you are indestructible, recognize and know yourself " .

             It is interesting that in some country people invest in funeral fund , funeral savings . So that after their death their funeral function will be a good one with their money . Though in India we dont have that same things but have some similar mentality . A old man prefers to have a good fortune in his last time also , with a  hope  for cupidity of that wealth any of his children/ relative may bury him or take care of him when he becomes incapable .I think they need those investments as in their life time perhaps they were not able to save any thing in the relationship account .Many time it happens that with a good family life also people were abandoned by their close ones .

            In Kashi (Uttar Pradesh, India ) there were people gathering around the country only waiting death .They leave their home , close ones and every thing just for the search of a peaceful death . These lines may sound crazy to many , but its the truth . How can any one welcome death   with open arms is question that some time shakes my thought .

         Recently in my village when we thought of making a good structure for funeral rituals I made some financial contribution for it . Is that all I can do for my final journey ??

         Once we start think about our end journey in life and many definition   in life will change dramatically. Death is not the last resort , but if we start thinking about it then only we can calculate that how we wasted  life by doing many bad things . We will know the real value of time once we are able to access the time we got for remaining life . Death is a dark side of life but the thought about it can bring out the best  a person can have .

                                                                                                                                                                                                                                                                                                                           

The real value of the valuable

Whats the value of a investment ? A common line in our day to day life . Generally value of a investment depend on the maturity period scenario . It may very , with a boom or a crash .  Many external factors also have impact on it .Common man generally had investment in property , gold , cash , markets (equity , commodity , mutual fund , ETF , bonds ) with a hope to use it at the time of requirement  . But when he is going to have that requirement is mostly uncertain , except for the planed part of life that goes according to the plan .

      Property investment is the best thing in market today . With a unmatched growth going on in the real estate sector in every corner of the world home and land is the flavor of the season  . But with the recession and sub-prime mortgage crises in USA had some hard lesson in it to learn .This may happen in India also as we do have the same financial system as them . If a person want to liquidate a property  the price also depend on his ability to bargain on the price and his urgency to get the deal done . In a hurry you will never get a good bargain but with a little patience and tough bargain higher price can be achived .Property broker were also infamous crooks of the trade .Any over night disposal of a property is also not possible many times and if also it happens then the inverter will get the lowest possible price from the buyer as he will take advantage of other party's situation . But few unexpected conditions also follows a property investment , there is a old say land and women belong only to man with a lathi (stick ) as it is matter of maintaining  hold on it . For example a service holder man sitting in Chennai had a flat / land in New Delhi on rent / lease  . In case of any dispute with in  both party's if he do not have any local influence his only option is law of the land . It take not months but years to settle a  civil case . There were numerous real life incidents when the owner had to even loose the property . So having a property exposure in our locality of influence is better .

    Man and women around the world have love for the glittering gold from the very day it was discovered . Universal in acceptance .Indian have in particular a soft corner for gold as ornament and investment . It had a history of appreciation , but the mechanism and factors responsible for gold price are complex one . Reserve Banks around the world are actually the largest consumer of gold as it had direct relation with the currency of their country . But it also had a history of great falls few decades earlier . In case any Reserve  Bank gives any signal to market that it is going to liquidate any person from its reserve is enough to bring the gold prices down substantially . Else a common inverter also never get the the current market price if he/she wishes to sell gold from the market .While selling ornament in open market due to impurity and making charges it will fetch 20-25% less then the current market price . In case of gold coins /biscuit the loss will be less .

     Any thing market related is all ways a risky business for new investor . In mutual funds the growth of the fund is dependent on the fund manager . Many time with the change in the portfolio manager the performance of the fund may very .Any long term investment in blue chip company gives healthy return .

    Cash is most important part in ones  financial portfolio .  Though having only cash also may imbalance ones portfolio , wise decision were required in making investment with case while maintaining the a case reserve for all future requirement as cash can never be replaced by other other forms of assets    .

        Most important thing in asset portfolio is maintaining a balance between all form of assets . one less or one more can shrink the boat . All these form have their advantage and disadvantage simultaneously . The calculation on it needs time but a must for assured financial life .