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 .

Lamb and Man brothers in hand

  Modern day financial system had its roots from the day man depended on others for its basic requirement  . Gradually with the growth in the complexity of requirement helped in development of different form markets . It changed the way we live , eat , travel  everything . From last 200yrs the change has been rapid and no one knows what will finally evolve out of it . But one basic thing had remained same , human behavior in financial market resembling to that of a group of lambs .

     Though I do not how many genes of both spices will  match if compared .  We all notice a financial  model only after one man becomes successful in it and tries to replicate it and follow the path ..Financial health of a  person is directly related to his social life so every try to follow the safest possible path . In this process of following others many time human behavior resembles to that of a lamb where one follows the other .

     Price of particular stock goes up with many buyer trading at the same time  , many people even don't bother to know why others were buying a stock . While selling also the situation remains unchanged . A property price touches the sky with a simple whisper that of news associated with the property .

    Where as the fact remains that in business or investment one gains profit only after selling the product at a higher price then the purchase price . One who is able to sell the product at the time others were mad to buy it ,ends up making a hues profit not one buying it  . So identifying the financial opportunity earlier and making an investment can only give hues profit  .New buyer of that product had to wait for his investment to mature and give him return .

      A financial path successful for one person may turn out into a trap for the other as two person may go to a same destination in two different path . Mostly we were interested in story of a successful man then a failed one , but every failure also had many things in it to learn from .

I learned as I am a good looser

 I learned as I am a good looser

 

 The stock exchanges and money involve in it has all ways worked as a mermaid to attract all . Just like a wife any one not invested in it loves to fall , where as one in the market wants a way out . Is it really such a bad place that we all should avoid ? where as there are persons like Warren Buffet of Berkshire ,Jim Roger , Rakesh Jhunjhun Wala (India ) who were able to make a big buck out of it .

      

        In the age where paid news , paid lobbying this market has its own paid services which is complected enough for a common man   . We can rarely trust a broker or TV analyst as we do not know what that person may be gaining by preferring a particular stock .As recent indecent in USA and around the world where the valuation of a stocks were manipulated with vested interest . In commodity also the picture is not different with every move of currency , govt policy , geopolitical situation , interest rate , iip and other data , the prices goes up and down word before a small investor  could understand any thing market makes its move and the investor becomes a gambler by either loosing or gaining money but he rarely becomes a investor . Is there any secret formula for it to be successful  ???

  

                The formula for is there but it depends on the person who wishes to be in the gang and he only can write it no common  formula works hear . First we need to understand self better to score high . Every person have there own area of competence . For example in equity , a doctor who knows about medicine better then a cement , IT or manufacturing company , so he should remain in that sector as his first love . When a farma company is going to lunch a new formula , which brands medicine had better market response a doctor is the master excluding the balance sheet part of the company . For this part any one who wants to make few extra bucks had to watch it himself . The technology has come of the ages and now with little help from software one can do it more easily then it use to be .

       For commodity we need to be specific on 2-3 products only , unlike equity where mostly national factors have an impact on the chart , commodity is completely international in nature . So again we have to closely watch many more data . But it has its prize also for the investor.

  

        Most people in this field have one thing in common when they gain money they behave like a master of the trade and start gambling blind shots , where as one need luck in gambling in trading one need time , patience and market education . On the contrary on loosing money they blame it entirely on game not admitting their lack of knowledge and leave the market for ever and tell other never to invest in it . But in this loosing also they learn many thing about market which goes in vein when they leave the market  .so be a good looser