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Money is the vital factor that drives our lives. In fact, we have started to believe that the search and fulfillment of life depends solely on the accumulation of wealth. Although Yogic and Religious Gurus spread the need of Inner Engineering, Health and getting to know the divine power, we have always ignored them and felt that Money as the only element to seek and have it as our destiny. Since it gives all the worldly powers of life, we have lost ourselves in it. We run behind it like animals. Our milestones and targets are about getting enough of it. Since it speaks volumes in our daily life, we have become a product/slave of it. We spend almost half our day at work and it directly involves in doing business. Thus, it has become the integral part of our life and we spend our time in accumulating it. Let us look at this in a witty way about how the economy drives us. How we are manipulated and how we lose/gain money. The EURO is getting weaker and the European society is on th...

For any country to be under the tag of a developed nation there are lots of parameters that are required to be satisfied. The parameters include - infrastructure, Healthcare, ease of doing business, employment, investor friendly environment, less Tax, Good Education, Productivity, Advancements in Science and Technology, Automation, Innovation, Raising wage margins of the poor, Less imports etc. India as a country with over 1.4 billion people has its own challenges to become a developing nation – let alone have the dream of becoming a developed one. A lot of politicians believed in making the country an economic super power by 2020 but now have been retaliating and moving the goal to 2050. There are a very few things that we as countrymen can make in making the country better. Fiscal deficit is the key term for any country which defines the way a country is progressing and more often for a developing country like India, the expenditures are more than the income. The Governments tr...

There are a several living things that evolved over time. Several of them had survived until today while a lot of them vanished due to being unadaptable. It is not the dominators who had survived the test of times but the ordinary living things that were flexible to the environment. A lot of animals that existed millions of years ago don’t exist anymore. While a few species have thrived over times. In a similar way, the dominators of a particular technology and work don’t prevail for a longer duration but the people who are flexible with tools and techniques sustain over a long period of time. It is the survivors who rebuild themselves according to the different infrastructure and surroundings and take the world forward. Technical brilliance is necessary, but the primitive fact is the understanding of the basics. How well we understand our platform – how comfortably placed we are in that – how well we predict the future trends – decide on our fate and our existence. We have to be...

In this fast moving world, no one has time for others. People are not even concerned about others’ issues. They are selfish and focus only on the benefits that they need. Due to the advancement in technology, although the world has shrunk and brought people closer, it hasn’t been fully utilized that way. The more people have been brought closer the more they are separated far apart. We don’t even care to know who sits next to us in office. This has become a virtual world. The No-Care attitude has cropped up in us. We have even got to the stage of ignoring our good friends. We don’t have time to participate in our friends’ events. We don’t have time to answer their texts and calls. We have come up with a firewall against the closer world and reduced our communications and relationships. Sympathy, Care, Love, Friendship – these became the qualities of the past. We are only focused on generating income and build our future on that. Thus man, using all of his senses has started to become...

Few believe that we are responsible for every events and actions. We bear the sole responsibility of our success/failure. It is because we drive the actions towards our goal. No one else is held accountable for our loss. Everything is being executed by our plans and the way we travel. Our life is in our hands. Everything happens for a reason and so on. Few others believe that destiny is the one that is responsible for carrying us in a specific direction. Everything is being written by God and he has a perfect screenplay already written for each of us and we are mere dolls who move towards the destination that he has set. Everything – every event that occurs is pre-planned. We are mere actors who execute the written things. One flavor is science while the other is attributed to religion. However, we can’t deny both. With these facts in mind, while we track our life and life’s various events – we also tend to notice that there are several people whom we meet – several events that h...

Some say “Better late than never”, while others believe “What’s the point when everything is lost?”. This budget by NDA puts them in people’s minds to make them feel that they are important, but is it too little too late? Common man had seen insurmountable difficulties in the name of #GST and #DeMo. Farmers were battling hard to survive in this market. Education and health care were over looked so far. Has the Govt. finally reacted? Has the Govt. realized its mistake on ignoring the needs of the hour. A look at the budget in a neutral perspective. Agriculture – The first thing that comes to my mind is the farmers. They have been so far neglected and have been facing lots of issues with respect to pricing. Finally the Govt. has started noticing the importance of them (especially after the Gujarat mandate). A massive boost to them in terms of improvement in pricing and assurance from the Govt. on offering the increased price. Separate welfare schemes for village and rural infrast...

With stock markets at record high and Inflation still being a pain - basic commodities being sold at a higher rate - oil prices increasing, leading to unsettling petrol/diesel prices - introduction of GST - common man finding difficult to meet his monthly budget - this place for sure isn't a better one for many. The Govt. is to be blamed for many of the above effects. The promise of bringing black money into India is still open. No improvements have been seen in infrastructure development. Common man had been facing severe blows due to policy changes. Due to introduction of FDI in Retail/Insurance and other sectors have helped Foreign companies increase its footprint in the nation but small and medium scale Indian companies have been hit hard. The roadside sellers are at large affected due to changing schemes. To a great extent this Govt. has been anti-people though the intention is to make a better country. The Govt. wants to regularize and standardize things but at the cost of ...

The Markets may have been at a record high. The financial status of large caps might have gone north. But those small and medium sector enterprises which are the backbone of people's life has gone drastically south. Due to #DEMO and #GST the consumers and traders are hit hard. Although I have written many posts raising this issue, I certainly feel a need to write this especially at the time when Congress has performed better in Gujarat reflecting people's sentiments against these policies. The PM has been trying to bring alternate healthcare services like Organic/Traditional natural products in the market and appreciable in terms of bringing up life, medical and accident insurances for all the common man especially who are poor and can't afford. Yoga has been made a practice in many schools. One Nation - One Rule - One Tax - One Policy  - A scheme which time only will tell if it receives a favorable response from the people. The agenda of this post is to describe how ...

The time has come for us to move towards digitalization with the new technologies in place and its efficiency has increased over the years. The Indian Gov has been taking enormous step, like never before, to ensure a digital world to be embraced by the mammoth population the country holds. Linking of Aadhar to mobile connections, PAN and bank account have been a huge step towards maintaining integrity. While these steps by the Govt has to be appreciated, still the prospect of imposing them on the people and asking them to adhere to it in a short span of time, is relentful. People have to be made aware of it, they must be educated towards the need of it and with their understanding this policy must be put to practice and adequate time has to be given towards its completion. Usage of Plastic cards instead of money is welcomed by the Govt. but it is not enough to encourage users. Still there are millions of uneducated people who don't know to use mobile phones, leave alone using...

We were anxious and were expecting a lot when the Assembly elections came 2 years back. Being a Pro-BJP guy, I was expecting a huge turnaround with respect to the financial status of the country. We wanted a change and believed in Mr. Modi. Has he turned up to our expectations and satisfied atleast half of our demands is a question of this time. With third year, currently running has he lived up to the promises offered? Everyone knows he's been working hard and traveling a lot to get foreign investments into India, but has we actually got some of them yet into us? Or how much time it still needs to get them invested into our country. Although the Indian markets are on a record high with most of the stocks peaking, the basic financial elements of the country has shaken a lot. We expected things to be better after we elected a stable Govt., but have we really tasted something good? The manufacturing sector hasn't improved. Agriculture sector is down with many farmers ...

Many of the past leaders had talked about the Mission 2020 -  A fully developed nation. As we are just 3 years away from that milestone, have we really progressed towards that and is it possible to achieve that within the balance term available? We have voted for a change, for a better India. We invested our faith on BJP and believed in Modi. Around 3 years have passed by. Did we get what we dreamt of? What we got so far : Rural areas have been connected with Internet. Service providers like Airtel, Reliance have increased their traffic and networks are now available in rural areas. The Telecom sector which was beaten down over the last decade has improved significantly in the last 3 years. LPG subsidy has been waived by 1 crore people enabling poor and needy to get the benefits. Clean India movement has started enabling fellow citizens to feel the necessity of having a clean India. Bank Accounts for all. Even the poor has opened bank accounts making them feel...

Having a financially balanced life may seem more difficult these days due to inflation and the living cost having gone northwards. However everybody wants a peaceful balanced life. We can follow the below technique towards achieving that. We ought to save around 40% of our total income towards achieving a financially balanced life. For example, if a person earns 1 lakh per month below is the breakup., 5% of savings towards health insurance                 - Rs. 5000  per month 5% of savings towards life   insurance                 - Rs. 5000  per month 5% of savings towards mutual funds                     - Rs. 5000  per month 5% of savings towards stock markets                   - Rs. 5000  per month 5% of savings towards GOLD             ...