Thinking about Investments? time to be serious!!

by iExpert 20. March 2017 12:16

It was normal day as usual and I read something on social media it was kind of funny but stuck in my mind somebody has wrote that, education, carrier, kids , progress, big house big dreams , who the hell discovered this , weren’t we happy in caves eating roots and staying happily with family , I laughed and told my wife , these people are crazy their thinking is beyond our imagination this was one side of thinking for that day but later somebody came to me and started discussing about the investments and securing your future when you grow older and suddenly  I started feeling that I am already old.

Oh my god, I am getting older and I have not planned my future yet. Is it too late, what should I do? Where should I invest? Who should I see? These question ghosted me as lighting strike the tree. I started running like chicken without head and asking bunch of question to everyone. Then I realize that nothing going to change overnight and there is never too late for anything, first I just have to relax and take a good finance advice. Now I don’t have that kind of money that I need any professional financial adviser but researching about knowing that where can I grow my money without risking my future is worth a try.

I am not always good at managing my money, I know fitty percentage of people are like me, oh my look I started talking about percentage and stuff. No , but on serious node everybody should be aware of some sort of investments that could be anything which will encourage you to save and use that money for some good purpose like kids college education or marriage and may be your long waited dream to have world tour.

Many people want to see their money every day because they feel that what if I need that money tomorrow, that means they always want money to be liquid but liquid money is dead money it does not generate any return, you can do CD’s but again those percentage and not that big you are just sitting on money which value is getting deprecated day by day. You need to understand that people are multiplying their money and on other hand you have holding your money for yourself.

You can choose any path of investing but any little investment you do it do is going to grow much bigger in future , it could be stock market, mutual funds, housing market, land or even in any startup company. Easiest way to put your money in mutual funds because you have low risk low income but your investments will always has the touch of market, instead we always wait for right time.

Believe me there are some people who are doing trading and stock investment for living but off Course you will not able to do it because it needs lots of research and it’s a full time job, but what you can do it have your money as Systematic investment plan which will invest your money over the long period and you get opportunity to invest in every tread of market up down.

So have you invested yet?? But waiting for good time. 

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New Year - It's time to reset!!!

by iExpert 5. January 2017 11:50

New year started and everyone is talking about new year resolution, some have made someone has not but the part of this more interesting is it is new year and you have got chance to reset your clock on many things, I am talking about personal and professional things also other things like your tax year changed and now you have plan your taxes again, your insurance year change to you have to plan for your medical expenses. You employment year changes to you have chances to make in additional changes you desire.

Sometime I think that all these resets in life has been mandatory by government or by agency but for our mind or our thinking do we have any reset switch which we can turn off and on and say that on now start from here and forget about what happened in past and then from now on you have new dues to pay and past due to achieve. In reality we finality does not do anything like this we go through tuff time every year and our worries and hard feeling keep accumulating in our mind just like the dirt and mess got accumulates in the sink pipe, over time there is not space to run the water and it just bubbles back to the surface, what is need in reset or clean and let water flow as pervious. 

Our mind is millions and billions of memories and neuron connection which our brain makes knowingly or unknowingly, over time we have control on our mind which to keep it for long term and which is to erase of. Now you can erase of things easily but if we make use of this New Year and reset our switch on our body and erase of all the bad memories of last year, remove the bad feeling about someone, forget about wrong decisions you made in last year and just start everything with clean sheet again. Meet new people, make new mistakes, and earn new opportunities.

I know this is hard to reset on everything but as I have observed that every time you need to do something it need just one trigger and when someone pulls that trigger even it is small , it just start the flow then it increase and then it just happen , only it needs is that one little trigger. Then what is the harm to be new year on that date Jan 1 is to be your trigger for your mind and tell mind that hey start resetting my body and clean my thoughts, It will not work right away this year but at least the flow will get started and year by year your mind and brain will get train to flush himself and reset thought to clean sheet where there is plenty of space with no clogs.

So!!! what you are waiting for hit that reset switch and flush your mind.

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Holiday with family

by iExpert 2. December 2016 16:52

Family such a nice word, it puts smile on anyone's face but in reality but when someone does have family then only that person can know the importance of being a part of family; especially when there are holidays or some kind of ceremony.

This is story of Tina, Tina has been raised in the pretty decent family but since she grew up she started going in the college at different town than her family. On every vacation she use to visit her family and enjoy time with them. Initially she used to visit her family at least once in 2 month but as she got busy with her schedule that difference got bigger and she could able to make it as pervious. Everything was going well, her family was also got busy with their work and they started to have miscommunication between them.

One day Tina’s mother got sick and her father informed about that to Tina, it was month of April and Tina was studying for final exams, her sister was also away on business tour so she could not able to make it. Looking at this situation Tina decided to go and meet parent, she called her sister to ask that if she can make it, her sister finally agreed and Tina told her that she will pick up her at her office and then they will drive to their parent place.

After finishing her exam Tina got her car out, she called her sister saying she will pick up her in one hour. She dress casually and took some cloth to stay over along with some snacks from neagioring store. She reached to her sister place and picked her up, it was long time since he had seen her sister. They were best buddies of the house but now with every body’s life they really don’t get much time to see each other.

There journey started around 6 in the evening it was 7 hrs. ride back home, they both were excited to go home but there was a loneness in between them. They were hardly had any topic to talk upon. To break the ice Tina started with topic with praising her top and it also ended in few minutes. When they were quite for a hour they both realized that this is insane , one time best buddies when the talks was not ending for hours and hours , they were having so much to share about themselves now landed in the situation that they hardly can communicate . Tina’s sister started talking about their childhood and slowly they started open up and started communicated. It was dinner time and Tina asked her sister that she would like to pick up something or eat on the go. Tina’s sister talk her that she will happy if they can go to restaurant and have their dinner.

They found one decent restaurant and they settled down, they were about to order and Tina’s phone rang…..   

                                                                                                                 To be continued…………

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Brands!! It's not important than you

by iExpert 16. November 2016 17:54

Is this branded? Which brand?, have you heard this before yes!, I am talking about question which everyone want to say yes proudly and say the brand name, right from clothes, shoes, accessories , phones are everything you use everyday life. Somehow our social presence has been defined by the brand of cloth or accessories we use in our life, no wonder that is completely associated with the kind of money you have and everybody cannot afford to have upscale lifestyle with popular expensive brand which we use. My question is does really using branded or expensive clothes or accessories really define what you are or they are three just to brag and take an attention.

Let take a small example of kids going to the school, school can have all kind of kind coming from low or moderate income families and some from wealthy reach families. We have seen so many parent want give their kids best of everything and they buy them expensive brand cloth from ralph Lauren or shoes from Nike or some other expensive brands but they forget that there are some kids those who are coming from low to moderate income they really cannot afford to buy these kind of lifestyle, yes they still want to give best to their kids but simple they cannot. Have you ever though that what must taking those kids when they are along with kids who are wearing these famous brands and teasing them about not having it. Think of the inferiority complex these kid might face and long term effect on their mind which makes them feel dominated, I have heard some stories like kids give up going school thinking that they are embarrassed in front of other kids who are wearing very expensive branded cloth. Is this something we want to teach our kids right from their childhood? Is this the way we are creating huge valley between them and teaching those differences which we have created our self. Instead of teaching them that we all are same irrespective of anything we have. Just think.

Another point over here is , Is this branded cloths or other accessories are really worth the price they come for , why they are overprice is they want to make their brand exclusive to some class of people. I can give you another example from any corporate office and when we are dealing with another colleague in day today basis, if you entered in meeting where you are driving it and you are having best of the branded cloth, it definitely create some kind of inferiority complex in your mind which will drag you down. I must say that everybody must have gone through this once or other time.

Don’t get me wrong I am not taking that wearing or using branded things are bad but we should judge ourselves from other that what kind of brands they are using and why cannot afford it, instead go for smart shopping look for good deals and try to get what you can afford without being too crazy about comparing yourself with other on the basis of brand recognition, Also when you are buying for your kids just think once about the fellow kids who are going to join them in school.

So when you shop next time, think twice!!! What is more important? You or your brand.

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Want to be one?

by iExpert 22. January 2016 11:45

An art of inspiring people towards a collective goal.

Leaders are born and not made in factories. A true leader is a driver and an initiator. His way of leading is not by power but by inspiring his fellowmen. A leader plays a vital role in the formation of his subordinates’ life’s goals. True leadership rests in forming allies and not turning people into antagonists. What are great leaders made of? They are made of resilience and strong character. They can never be deterred from their mission. They create drive and a surge amongst people to achieve the vision that they have set for them. They make their employees or fellow workers feel safe in their territory of values. They nurture dreams but not at the cost of others’ happiness. A leader possess a focus of an eagle to achieve and an attitude of a steel to go through the roughness of the path and most importantly an emotional intelligence of a parent to provide a safe surrounding to his employees so that they can flourish in his presence. Ninety percent of big firms of the world are investing in growing their leadership to attain the highest level of job satisfaction. A good and healthy organization is built on sound and able leadership. Leaders don’t do things differently, they inspire people to do things atypically. They dominate by their virtue and they partner with people to attain higher sense of commitment from them. A leader is very humane, but he can be singled out from the crowd by his collaborative ways, his emotional intelligence and his ability to bring the best in the people working for and with him. Leaders do not impose their opinions on others but they seek alternate perspective for a situation and thus imbibing the changing trends in their people and in themselves. To support, collaborate, empathize, inspire and follow a result oriented approach is the essence and pivot of an established leadership in any organization. Leaders can be so powerful that they can influence people from all over the world. Great leaders like Mahatma Gandhi, Nelson Mandela have not only created a stir among their countrymen but moved the people internationally to align them to the vision which they wanted to establish. Their charisma extents not only to the principles that they harbor but the implementation of those principles in their own life. The thin line of difference between a powerful leader and an autocrat is the liberty of thought he/she gives to his/her followers. An autocrat would work on the power of designation and a leader would work on the power of his thought. To channelize the energies of the fellowmen and mold the different temperaments in one direction is the art of a leader. Leadership is all about growing each day, as a leader has a challenge to prove himself/herself to his followers with each new day. A person cannot declare himself as a leader, he or she has to rise to that level where his persona gives him/her the credit of being the one. A leader exhibits high morale during crisis and sense of accountability and make his people motivated towards the change that follows. An impartial attitude for this fellowmen and ability to say the stark truth in order to show transparency is the onus of a leader , as he / she is not obliged by anybody but is striving for a higher goal. In his journey to achieve the goal he is not entitled to impress anyone or to be a feel-good factor to the team. It does not necessarily mean that a leader has to be arrogant or aggressive towards his co-workers in order to make them motivated, but he has to be subtle in his measures to give the support when he is needed and hold the hands of the team members who are fumbling to reach their targets. A constructive feedback is the essence of an able leadership. A timely intervention to save the ship and a far sighted approach in order to sense the danger much before it arrives are the true colors of a leader and it would not only save him but his team from the shackles of unaccounted circumstances . 

Leaders do not talk of themselves but of the team, the goals, the vision and the people. They strive towards the goals of their team and help each team member to attain a sense of fulfillment throughout this process. 

Leaders do not create followers; they create Leaders !

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