Financial Security

Most of us are only concentrating on earning money and that too, we always feel we are earning less. But is this true? Well, on the hind side, we will always be earning less than our needs and wants. So what is all the fuss about financial security and how can we gain it without saving as much as our family did when we were young...

A life in today's age is worth lived only when you manage to enjoy as well as save so that in future including emergency, luxury, show-off all expenses are managed.

Say you earn an x amount. Save atleast 10% of it every month. Set two targets in one single year to be achieved.

* Gadget and gold
* Gold and investment in mutual fund
* Gold and investment in FD

excreta excreta... Anyways what does this count down to... Let's say you save Rs.5k per month and accumulate the amount for a year, it boils down to saving 60k per year. While you are getting a hike next year, your savings account should also get a hike. 60k from the normal salary + medical and other reimbursements if saved, you will definitely save about 75 grand in a year... This saving can immediately start after the first six months of your first day of joining work! I am sure whoever is reading this, has started earning since at least a year now or probably more than a year.

Why there is a combination of two targets every time?

As you might have noticed, gold remains stagnant. Gold, be it for guys or girls is a big time saving in the long run as while they are gonna commit the biggest mistake of their life, in terms of 'marriage', they would need this metal being shown off big time. Last few years have definitely raised the price of this metal, making it very difficult for the common man to buy the product. So when the girls may buy the metal in different shapes like bangles, rings, necklaces, etc at different intervals, the boys can buy the biscuit. Please note that the moment you have enough money to buy the smallest product, please buy it asap as the prices of this yellow metal are rising sky high day by day.

Now, we move to the new bracket of why gadgets, investments and life insurances stand. Each guy & girls these days are crazy about gadgets ranging from mobiles, ipad to iphone so while you buy these and ease your life, you definitely need to ease your future by first buying life insurance, mediclaim and then invest in mutual fund & FD, which is the safest. Life insurance here does not mean the normal high priced insurance wherein you pay certain amount yearly and then get a big chunk on dying. Don't buy it until you have a big liability left behind for your family if you die. Pester your advisor and yourself research on the new schemes including the ones wherein the pension scheme is combined making it profitable for your old age. Please remember, the younger you are while you buy your scheme, the less is the premium.

You will notice that these things might initially hamper your lavish expenses and make you skip 1 or 2 outings with your friend but will benefit when rest of your gang is struggling with basic amenities. Remember, the girl or the guy for whom you want to go into that outing will never pick you for a lifetime, if your analytical and financial management skills are of the 18th century.

Please research yourself as much as you can on each of the topics. As you move ahead in life, loans will keep you in debt for a lifetime, break the circle with your innovative skills. Refinance the loan once you are stable. Buy amenities that you need, coz you are born once and this time will also come only once!

This blog is an attempt to provide information to the new generation so that they do not commit the mistakes I and many others did. 

Being Together

You are in my heart,

But God is just too smart…

The more I wanna be closer,

You seem farther than the largest treasure…

Each passing day makes me wobble,

But when I think of you I tremble…

I miss you to an extent,

Which I can’t explain…

It’s worse than lifetime in vain,

Even a written page looks plain…

Every time I fight with you,

I still come close to you…

My mind is wavering in emotions,

I just want both of us to have the love potions…

Just by seeing you I find peace,

I don’t care about world, they may tease…

Your touch is my divine world,

Where I am left mesmerized…

A hug is all I want from you,

But God is not with me and you…

Your voice whenever I hear,

My body seems to shiver…

I know it’s just a stupid fear,

But every time I can’t stop that small tear…

The hope is still there,

The clouds will clear…

The silver lining is not seen yet,

But you love me the most, I can bet…

Serene love

Life is a smooth road,
When you are with me aboard...

True are the things that you say,
Lovely are the games we play...

Your love is at sunshine you said,
But I have become love blind I'm afraid..

We dont know, what lays ahead,
Without you, let me be behead...

Days have been serene since you came,
May god give you your awaited fame...

That every moment when I hear your voice,
Feels like rest everything is just noise...

Your hugs and kisses, I can only cherish,
But day by day, it will just flourish...

I don't wanna be an inch away from you,
Every such second makes me go blue...

The feelings that make me breathless,
And the mushy skin droplets...

The fathomless love creates the fire,
And the never ending evil called desire...

What can replace both you and me,
Or will it just make us both free...

A day will come when we are one,
There will be just love and our son... 

Beware of love!

Those days are gone when to see that guy everyday, you used to visit college and wherein you don't even know his name. You visited your friend's house everyday only to interact with the sweet chick living next door. Intercollegiate competitions meant just checking out new guys and girls and forget them once the festival is over.

This is new age. People fall in love in a day without seeing each other by just talking on phone. Facebook is the new portfolio for all the models out there who might scare you in person. Twitter means meeting new chicks in tweetups and breaking the relationship on the web portal itself in public.

Is this what Gen Next thinks love is?


Love comes in only with a price. Price here means lying to parents to friends, going the wrong way, breaking rules, aligning your life with someone else's and a host of other problems or situations you may say which soemtimes brings you at the brink. You might think that this is just the end and you cannot work this out or suicide thoughts are an everyday norm. If so, you need to look at the situation of others. Probably sharing love stories is hence one hell of an experience.

I came across this article and was quite captivated not because it was a love story but because I wanted to know whether was there any love in this story?

http://www.dnaindia.com/lifestyle/report_dating-a-sociopath-made-me-insecure-and-paranoid_1627159

There is no harm in falling in love. But there is a cause of concern or an alarm that you need to keep at your end. What is this alarm?

Fall in love? Nope. Rise in love!!!

Love asks for sacrifice but no sacrifice should crush your ethical values. It should lead you to love one more person in live but not leave everyone else whom you have loved all through the years. It should motivate you to achieve more heights in terms of confidence, career, etc. and not make you weak so much so that you fear your own mirror.

How do we do this?

Be friends first. Friendship gives you time to explore the person and his attitude towards life. Make the person meets your close friends and people whom you trust a couple of times. Be open to criticism about the person who you like, this will help you to know the person from a different angle. Meet the opposite person's close friends/ parents/ colleagues. A man is known by the company he keeps. Do you like them? If yes, then great. If not, why does he have such a company. Drinking and smoking is not a great deal these days but anything extreme is not good as well.

All of the above does not pertain to only serious relationships. This also applies to flings! You might not know where you might end up if you are stuck with a wrong person even for split 5 minutes.

Well, coming back, these are just a few steps before you step in into a relationship but what when you are already in. Keep a distance over a period of time. Do not reveal your financial details and seek much emotional support. Distance is always good in a relationship as advancing fast might earn you negative points as well. Spend enough time so as to know each other but do not forget to hang out with your family and friends as well. If this relationship does not work, they will be the ones to support you.

Last but not the least. Keep yourself updated and independent enough financially and emotionally throughout your life so you do not end up with a piece of paper and a pen attempting to write an unwanted suicide note! Love should make your life worth living and not tick your clock to death.