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Ae Mere Wattan Ke Logo, Zara Aankh Me Bharlo Paani

Singer - Lata Mangeshkar
Music By -  Chitalkar Ramchandra    
Lyricist -  Kavi Pradeep    
             Lyrics / Video of Song : Ae Mere Wattan Ke Logo, Zara Aankh Me Bharlo Paani   ae mere vatan ke logo
tum khub laga lo nara
ye shubh din hai ham sab ka
lahra lo tiraga pyara
par mat bhulo sima par
viro ne hai pran ganvae
kuchh yad unhe bhi kar lo
kuchh yad unhe bhi kar lo
jo laut ke ghar na aye
jo laut ke ghar na aye ae mere vatan ke logo 
zara ankh me bhar lo pani
jo shahid hue hai unki
zara yad karo qurbani
ae mere vatan ke logo 
zara ankh me bhar lo pani
jo shahid hue hai unki
zara yad karo qurbani
tum bhul na jao unko
ishliye suno ye kahani
jo shahid hue hai unki
zara yad karo qurbani jab ghayal hua himalay
khatare me padi azadi
jab tak thi sans lade vo
jab tak thi sans lade vo
phir apani lash bichha di
sagin pe dhar kar matha 
so gaye amar balidani
jo shahid hue hai unki
zara yad karo qurbani jab desh me thi divali
vo khel rahe the holi
jab ham baithe the gharo me
vo jhel rahe the goli
the dhanya javan vo apne
thi dhanya vo unki javani
jo shahid hue hai unki
zara yad karo qurbani koi sikh koi jat maratha
koi sikh koi jat maratha
koi gurkha koi madrasi
koi gurkha koi madrasi
sarahad pe maranevala 
sarahad pe maranevala 
har vir tha bharatvasi
jo khun gira parvat par
vo khun tha hidustani
jo shahid hue hai unki
zara yad karo qurbani thi khun se lath-path kaya
phir bhi banduk uthake
das-das ko ek ne mara
phir gir gaye hosh ganva ke
jab ant-samay aya to
jab ant-samay aya to
kah gaye ke ab marate hai
khush rahna desh ke pyaro
khush rahna desh ke pyaro
ab ham to safar karte hai
ab ham to safar karte hai
kya log the vo divane
kya log the vo abhimani
jo shahid hue hai unki
zara yad karo qurbani tum bhul na jao unko
ishliye kahi ye kahani
jo shahid hue hai unki
zara yad karo qurbani
jai hind jai hind ki sena
jai hind jai hind ki sena
jai hind, jai hind, jai hind

saurabhjain

saurabhjain

 

THE MOST USEFUL WINDOWS 10 KEYBOARD SHORTCUTS

New Windows 10 keyboard shortcuts  
Windows 10 opened up a world of new keyboard shortcuts to better navigate and utilize the new operating system’s interface and features. Below is a set of some of the new keyboard functions available for Windows 10 users
Command prompt shortcuts
The revised Windows 10 command prompt will also be getting new shortcuts, making it easier to use
General Windows 10 keyboard shortcuts
There are plenty of returning keyboard shortcuts to go along with all the new Windows 10 shortcuts. The following are some of the most basic, general, and sought-after keyboard shortcuts for general day-to-day use for Windows users.

saurabhjain

saurabhjain

 

Windows 10's new keyboard shortcuts

Snapping window: WIN + LEFT or RIGHT (can be used with UP or DOWN to get into quadrants) Switch to recent window: ALT + TAB (unchanged) – Hold shows new Task view window view, let go and switches to app. Task view: WIN + TAB – New Task view opens up and stays open. Create new virtual desktop: WIN + CTRL + D Close current virtual desktop: WIN + CTRL + F4 Switch virtual desktop: WIN + CTRL + LEFT or RIGHT

saurabhjain

saurabhjain

 

10 great new features in Windows 10

1. There's loads of stuff for touch, but it's different stuff Designed to appeal to experts and novices alike, Microsoft was at pains to point out that it hasn't given up on touch with the new OS. The Charms bar remains for the moment although we expect it to die if you're using a non-touch PC (check out Continum below). Microsoft says it wants to support touch users who have persevered with Windows 8 and "evolve" the touch UI. (Translated: That means it is changing quite a bit.) The task switching will no longer work on the left. So with that and the charms going, that's goodbye to most of the problem with Windows 8 - and a whole philosophy down the pan. Microsoft's Joe Belfiore said at the preview: "We want Windows 7 users to feel like they upgraded from a [Toyota] Prius to a Tesla, but they don't need to learn a new way to drive."   2. It's BACK! As we've covered before, the e most noticeable change is the new Start Menu, which looks somewhat like the old start menu. It brings some features from the Windows 8.1 Start Screen, such as live tiles, and can be resized.
3. Another new Task View (the Windows 8 flippy thing has gone) Now the Windows 8 task switcher has been unceremoniously dumped, there's a new Task View in Windows 10, too, so users can switch between virtual desktops.That's because Microsoft now recognises that novice users use the taskbar rather than switching in other, cleverer, ways such as Alt+Tab (which also now switches between desktops). 4. Snap Assist helps you snap windows A new Snap Assist feature also helps users work out which way is best to snap apps to. You can snap windows into new screens and tile Windows - just as you've been able to since Windows 2.0 or maybe 3.0. 5. The Command Prompt enters the 21st Century Another quite amazing feature for those of us that use it is that the command prompt is now getting keyboard shortcuts! So you will be able to paste in your commands! Hardly groundbreaking, but actually pretty exciting.
6. Improvements to Windows Explorer A new Home location is the new default view in Windows Explorer. There's also a Share button on the Windows Explorer taskbar (we really hope this is in the context menu, too). 7. Continum - the special one This is the best new thing we found out today. Continum is an on-the-fly mode for 2 in 1 devices that can automatically change mode if it detects there is suddenly no keyboard attached. So, for example, a back button appears to help you navigate the Desktop with touch if the keyboard is removed. We reckon the charms will also disappear in non-touch mode, although we've heard conflicting news about that. 8. Windows 10 Universal apps Windows 10 will also usher in a new app model - Universal Windows apps. Windows Universal apps are the new name for Metro apps/Modern apps/Windows Store apps. Take your pick on those old monikers, they've got a new one! Presumably (although we don't know as yet) that these will also work on Windows Phone. Windows 10 will be able to run on all devices from phones to servers and there will be a single app store across the lot. All older Windows Store apps will work with Windows 10. 9. Modern (sorry, Universal) apps now float on the Desktop The new Universal apps also work on the desktop and 'float' in their own Windows. Microsoft wants to banish the separation between the Modern UI and the Desktop. These 'modern' apps on the desktop have a ... icon for more options - replacing the commands that used to be in the charms on the right-hand side of the screen. 10. Windows 10 has lots for Business and Enterprise Microsoft says it hopes to appeal to business with this release of Windows, more so than Windows 8 ever did. Belfiore said they were "starting the dialogue with businesses today". To be honest, it needs to - Windows XP is now ancient and unsupported, while precious other businesses want to make the leap away from Windows 7. But part of the reason why Microsoft is demonstrating the OS without all the consumer features is to show enterprises what the OS is capable of at this stage. This version of Windows will have plenty of other features for enterprise, including a customised store and protection for corporate data. Mobile Device Management will be able to be used for all devices. Windows 10 will keep personal and corporate data separate.

saurabhjain

saurabhjain

 

A Professional body of Risk management fails in managing Exam centre Risks

1.      Exam: Actuarial Common Entrance Test (ACET). 2.      Test Centre: Jaipur India and other 3.      Exam conducted jointly by  ·         Institute of Actuaries of India(IAI) ·         Aptech computer education It has been more than three consecutive times , the problems  being faced by students at ACET centres including power bacvkup and Internet connectivity issues… Today has been a Havoc for students. The first slot started the exam at 9 AM and was not able to submit the test due to internet connectivity issue. There was no alternate connection available… The exam has to finish in two hours but students were sitting idle on computer desk waiting for something to happen…. The next batch which had to start at 11:30 AM did not started by 1 PM. The students and parents were standing outside in scorching heat with no proper communication given to them. How the exam ended - The invigilator talked on phone with their head office and shared the roll no and said individual student that your exam has been submitted I wonder how this can be submitted without internet connection …. Actuary, the highest paid profession which is still unknown (new) to students and such mismanagement leads to demotivation and stress among them and their parents and leave a question mark on chosen career path.  

saurabhjain

saurabhjain

 

Advanced MS Excel Training in Jaipur

Just Want to learn Excel or Want to use thereafter?   Advanced MS Excel course "Data Analytics using MS Excel " is taught at  Institute of Financial studies which   is intended to provide an integrative foundation in the field of business intelligence at the operational, tactical, and strategic levels.   The objective is to develop the process of identifying, analysing, interpreting and presenting results so as to transfer the data into decisions. A critical success factor in Business Intelligence is the ability to communicate one’s analyses and recommendations to decision-makers   The course includes Excel Fundamentals
Advanced Excel Fundamentals
Data Analysis & Decision Tools 
Dashboard Preparation and Applicative Learning
VBA / macros for automation
The complete brochure available on http://ifs.ac.in/backup/docs/IFS_Data_Analysis_Brochure.pdf   Contach for details   Sachin Jain - +91 9829393505 Meet with appointment C19, “LOTUS VILLA”,PANKAJ SINGHVI MARG,LALKOTHI, JAIPUR Adjacent to IBS Hospital           

saurabhjain

saurabhjain

 

Actuarial Coaching in Jaipur

Institute of Financial Studies in Jaipur has started an Actuarial Analyst program for Actuary aspirants, Besides this program, IFS provides Coaching for all actuarial science subjects and ACET
Career advisory services
Placement services
Software training - SAS, R, VBA, Excel
Contact IFS with Appointment M 9829393505 Email - info@ifs.ac.in Website - http://ifs.ac.in

saurabhjain

saurabhjain

 

You have been invited to the Leadership Table

The first step to display Leadership traits,  execute the actions  and learn further is by getting an opportunity... In an organization it may refer as a Position where you are given a chance to demonstrate your skills.   Sometimes you get the position or sometimes you have to grab the position with efforts and tactics....   Yes but when you have position ....you are on Leadership Table ....And then the journey begins.   With this blog I invite all of you to join me on Leadership Table. let all of us explore the levels of leaderships and how to move forward in the leadership discovery. Do share how will you feel sitting on Leadership table......            

saurabhjain

saurabhjain

 

Office Mahabharata

Dronacharya – The Mentor. The employee who doesn’t like working himself but is always ready to guide and train new joiners. Bhishma – The Loyal. The employee in a relatively senior position who happily assists the boss in spite of knowing his incompetence (because of some strange oath maybe) Dhritarashtra – The blind boss. He knows that everything is wrong with his project but will still let it function, without making any changes to the current processes Gandhari – The Yesmen/Women. Boss’s immediate juniors who know that they are a part of an evil plan but will stay blindfolded and pretend as if nothing is happening Yuddhisthira – The ethical guy. Poor chap would never fudge timesheets and call in sick only when he is dying Bheema – The angry resource. Always ready to pick up a fight with his peers, subordinates or even the bosses Arjuna – The cool dude. The star performer who also knows how to sell his skills. A natural charmer, very famous among the ladies Nakul & Sahdev – The good average resource. No one notices them. They keep doing their work and get average appraisals Duryodhana – The Bully. Knows how to get work done, by hook or by crook. Doesn’t mind threatening the likes of Nakul and Sahdev to get his work done. Karna – The unsung hero. The best performer in the office but never claims credit for his work. Stays an unsung hero for all his life. Girls take him for a snobbish nerd. Shakuni – The evil plotter. Copies management in every mail. Escalates every trivial issue, sometimes to take credits and sometimes purely for fun Dhristadyumna – The One inning wonder. The one who performs an extraordinary feat, and then basks in the glory of it for the rest of his life . Draupadi – The shared resource. Keeps hopping projects on boss’s advice Krishna – The Ultimate Boss (PM/CTO/CEO) who knows that it is his game while he makes everyone believe that they are playing important roles too How many Mahabharata characters like these have you seen in your office?

saurabhjain

saurabhjain

 

The Corporate language !!

Dear members, Sharing with you few examples of the corporate language of the so called corporate world we all are part of ...do share with us which is the one you most have been familiar with ????   The Corporate language !! "We will do it" means " You will do it"
"You have done a great job" means "More work to be given to you"
"We are working on it" means "We have not yet started working on the same"
"Tomorrow first thing in the morning" means "Its not getting done... At least not tomorrow !".
"After discussion we will decide - I am very open to views" means "I have already decided, I will tell you what to do"
"There was a slight mis communication" means "We had actually lied"
"Lets call a meeting and discuss" means "I have no time now, will talk later"
"We can always do it" means "We actually cannot do the same on time"
"We are on the right track but there needs to be a slight extension of the deadline" means "The project is screwed up, we cannot deliver on time."
"We had slight differences of opinion" means "We had actually fought"
"Make a list of the work that you do and let's see how I can help you" means "Anyway you have to find a way out no help from me"
"You should have told me earlier" means "Well even if you told me earlier that would have made hardly any difference!"
"We need to find out the real reason" means "Well I will tell you where your fault is"
"Well... family is important, your leave is always granted. Just ensure that the work is not affected" means "Well you know..."
"We are a team" means "I am not the only one to be blamed"
"That's actually a good question" means "I do not know anything about it"
"All the Best" means " You are in trouble"
  I am sure, you must be having some good or bad stories on our so called corporate language !!! Let's have some refreshing time .... Do share with us Best Regards Saurabh

saurabhjain

saurabhjain

 

Welcome to the Corporate World !!!!

Two guys were hiking through the jungle. When they saw a tiger about to pounce one of the guys immediately took a pair of NIKE shoes from his bag.   The other one asked.. " Do you really think these shoes are going to help you run faster than the tiger?"  He replied.. "I don't have to run faster than the tiger. All i have to do is just to run faster than you." If you are smiling at this, Then you are the right person..and at right place. Welcome to the Corporate World & in our Corporate cafe @ Management Wall !!!!

saurabhjain

saurabhjain

 

16 Management Quotes from The Top Managers in The World

“Innovation has nothing to do with how many R&D dollars you have. When Apple came up with the Mac, IBM was spending at least 100 times more on R&D. It’s not about money. It’s about the people you have, and how you’re led.” – Steve Jobs “The best executive is the one who has sense enough to pick good men to do what he wants done, and self-restraint to keep from meddling with them while they do it.” - Theodore Roosevelt “Focus on a few key objectives … I only have three things to do. I have to choose the right people, allocate the right number of dollars, and transmit ideas from one division to another with the speed of light. So I’m really in the business of being the gatekeeper and the transmitter of ideas.” - Jack Welch “What’s measured improves” -Peter F. Drucker “Hire people who are better than you are, then leave them to get on with it . . . ; Look for people who will aim for the remarkable, who will not settle for the routine.” - David Ogilvy “If you pick the right people and give them the opportunity to spread their wings—and put compensation as a carrier behind it—you almost don’t have to manage them.” – Jack Welch “Surround yourself with the best people you can find, delegate authority, and don’t interfere as long as the policy you’ve decided upon is being carried out.” - Ronald Reagan “Management is doing things right; leadership is doing the right things” - Peter F Drucker “Hiring people is an art, not a science, and resumes can’t tell you whether someone will fit into a company’s culture. When you realize you’ve made a mistake, you need to cut your losses and move on.” – Howard Schultz “Management is, above all, a practice where art, science, and craft meet” -Henry Mintzberg “The true measure of the value of any business leader and manager is performance.” - Brian Tracy ” A leader is the one who can outline the broad vision and the direction, and say here’s where we are going to go, here’s why we need to go there, and here’s how we are going to get there. A manager is the one who actually gets up under the hood and tunes the carburetor.” - Mike Huckabee “Good management is the art of making problems so interesting and their solutions so constructive that everyone wants to get to work and deal with them.” - Paul Hawken. “The conventional definition of management is getting work done through people, but real management is developing people through work.” - Agha Hasan Abedi “Good management consists in showing average people how to do the work of superior people.” – John Rockefeller “The Four Keys of Great Managers: (1) When selecting someone, they select for talent … not simply experience, intelligence or determination. (2) When setting expectations, they define the right outcomes … not the right steps. (3) When motivating someone, they focus on strengths … not on weaknesses. and (4) When developing someone, they help him find the right fit … not simply the next rung on the ladder.” -Marcus Buckingham Feel free to share your management gems in the comments section below!

saurabhjain

saurabhjain

 

A father’s will of 17 camels

A father left 17 camels as an asset for his three sons. When the father passed away, his sons opened up the will. The Will of the father stated that the eldest son should get half of 17 camels while the middle son should be given 1/3rd (one-third). The youngest son should be given 1/9th (one-ninth) of the 17 camels. As it is not possible to divide 17 into half or 17 by 3 or 17 by 9, three sons started to fight with each other. The three sons decided to go to a wise man. The wise man listened patiently about the Will. The wise man, after giving this thought, brought one camel of his own and added the same to 17. That increased the total to 18 camels.   Now, he started reading the deceased father’s will. Half of 18 = 9.  So he gave the eldest son 9 camels. 1/3rd of 18 = 6. So he gave the middle son 6 camels. 1/9th of 18 = 2. So he gave the youngest son 2 camels.   Now add this up: 9 plus 6 plus 2 is 17 and this leaves one camel, which the wise man took back.   MORAL: The attitude of negotiation and problem solving is to find the 18th camel i.e. the common ground. Once a person is able to find the common ground, the issue is resolved. It is difficult at times. However, to reach a solution, the first step is to believe that there is a solution. If we think that there is no solution, we won’t be able to reach any!

saurabhjain

saurabhjain

 

Treating Mistakes as Training

There’s the story of a top salesman who made a terrible mistake. He’d bought a vast amount of fruit. He thought it would be a bargain but had totally overestimated and his company was left with tons and tons of this rotting fruit. He arrived at his office the following day and started to tidy his papers, clearing his desk. He gets a call from his manager, “Could you pop up and see me?” she says. “Of course” he mumbles and slowly makes his way up the stairs to his boss’ office. As he enters the room he says “Look I know I got it wrong – I’m sorry – I’ve written my letter of resignation – here it is ” and puts it on the desk. His manager looks at the letter, rips it in half, rips it in half again and puts it in the bin. “You must be joking” she says smiling ” We’ve just spent £20,000 on your training – there’s no way you’re leaving until you’ve made that back for us.” 

saurabhjain

saurabhjain

 

What a Waste of Brainpower

Several years ago, I visited a manufacturing plant in Florida, which had the best quality and productivity metrics in its division. My client and I were there to learn what the facility was doing right so we could apply those management techniques at other facilities. As the plant manager took us on the tour, he pointed out an hourly employee working on his machine. “See Ted there?” the plant manager asked. “He’s been with us for more than twenty years, doing the same job year after year. You might not think Ted’s got much to offer, because he’s just a manufacturing worker. He has no interest in being promoted. He leaves work as soon as his shift is over. But Ted knows more about his machine and that manufacturing line than anyone. And when we initiated an exercise last year to make that line more efficient, Ted had the best ideas for how to improve things. Afterward, I bought him a cup of coffee and asked why he had never made those suggestions before. ‘Those college-educated production managers are so sure they have the answers, all they do is tell me what to do,’ Ted told me. ‘They never ask what I think.’” The plant manager shook his head. “What a waste of brainpower,” he said. Then he smiled. “Want to know my secret? It’s Ted, and the other eight hundred employees at this plant. If I respect Ted and listen to him, we’ll be successful.” Source: Left Behind by Alison Davis | The Conference Board Review, Fall 2009

saurabhjain

saurabhjain

 

The Importance of Self-Discipline

During the 1960s, psychologist Walter Mischel conducted “the marshmallow test” with four-year-olds in the preschool at Stanford University, to assess each preschooler’s ability to delay gratification. Each four-year-old was given one marshmallow. They were told that they could eat it immediately or, if they waited until the researcher returned in 20 minutes, they could have two marshmallows.   Some kids in the group just couldn’t wait. They gobbled down the marshmallow immediately. The rest struggled hard to resist eating it. They covered their eyes, talked to themselves, sang, played games, and even tried to go to sleep. The preschoolers who were able to wait were rewarded with two marshmallows when the researcher returned. Twelve to fourteen years later these same kids were reevaluated as teenagers.   The differences were astonishing. Those who had been able to control their impulses and delay gratification as four-year-olds, were more effective socially and personally. They had higher levels of assertiveness, self-confidence, trustworthiness, dependability, and ability to control stress. Their Scholastic Aptitude Test (SAT) scores were 210 points higher than the “instant gratification” group!   A key difference between successful people — leaders — and those who struggle to get by, is self-discipline. As Confucius wrote, “The nature of people is always the same; it is their habits that separate them.” Have you ever felt the same.. Do share your experience. Source: Deepening Our Discipline by Jim Clemmer

saurabhjain

saurabhjain

 

Remove repeated entries easily in Excel

Imagine you have a huge spreadsheet of entries and you need to check to make sure that there are no repeated records. Now, you can go through each entry and manually check, but visualize checking 10,000records for this. Time consuming, isn’t it? Fortunately, Excel comes with a ‘Remove Duplicates’ feature. Select a range of data, click the Data tab and then click Remove Duplicates.This will bring up a new window in which you can specify the columns in which Excel would check. After clicking OK, Excel will then remove all duplicate records.    

saurabhjain

saurabhjain

 

Top 10 financial lies we tell ourselves

They say lying is an art and not everyone can do it well. Those who do it well pat their own back by saying they can manage any kind of situation. Do we even lie (to ourselves) when we deal with our finances? Yes, we do. People lie to themselves in a lot of areas concerned with personal finance such as investments, savings, insurance, expenditure, etc. Let us look at the top 10 financial lies we tell ourselves in our day to day lives. 1) Retirement planning still has lot of time We somehow strongly feel that retirement planning can be done at later stages of life rather than starting now. It is a common tendency to ignore things which occur after a long time. Remember the days when we used to study for exams just one day before? This type of thinking is probably continuing with most of us. It is dangerous since life's important goals such as retirement need to be planned well in advance and cannot be achieved overnight (or even within 5-10 years). In fact, I suggest you start investing for retirement right when you start earning. It seems funny but with rising inflation, medical costs and uncertainties revolving around our heads retirement life is going to be a costly affair. Use retirement calculator to know how much you need in order to maintain your current lifestyle after retirement. Do not forget to add other expenses such as vacation, dream home, etc. 2) Term insurance is a waste of money We Indians have a tendency to get something in return for what we have done and that has to be in monetary terms. Term insurance has been ignored for years since it does not give back anything in return. However, it is the only form of insurance which actually addresses your need - protection to your family. If it's the question of investment, there are tons of products in the market. We could be speaking out the sales pitch of insurance agents who re-iterate the need for traditional products. These products (in various forms) keep coming back to haunt us with changed tactics. No matter what changes happen, they have continuously failed against the biggest evil named inflation. 3) I have enough health insurance from my employer This is a common escapist tactic that we use to protect ourselves from health insurance companies when they try to sell us mediclaim policies. It's good that we are already covered by the employer. But, is it enough? Will the company give us the same benefit till we stay with it? What about the phase when we leave the current organization and join elsewhere? And there are few more similar questions to be answered. If you have answers for all the above questions, you need not buy health insurance.  If you are not sure about even one of these, then probably it's time you have one for your entire family. 4) Fixed deposits are enough to help me reach my goals 'Conservatism' is a word which I have been hearing a lot since recession. People have suddenly realized that their money is precious and they cannot afford to lose the principal amount invested. And so, they started investing in FDs (fixed deposits) rather than mutual funds or stocks for their goals. They seem to give a blind eye when you talk to them about post tax returns, inflation, etc. Well, firstly how many of us have calculated as to how much would be needed to help us achieve our goals. Not many. If returns of 6 or 7 per cent per annum (post taxes) are more than sufficient to build wealth for your future, then go ahead. But, if you feel otherwise, then you need to look to diversify across mutual funds, FMPs (fixed maturity plans), PPF (public provident fund) and so on rather than just stick to one product. 5) Except LIC, other insurers don't settle my insurance claims This is a bit of continuation to point no.2 mentioned above. Yes, LIC has the highest claim settlement ration of 97.73 per cent. But, what about others? Let's see: ICICI Prudential - 96.29 per cent
HDFC Life - 95.76 per cent
SBI Life - 94.41 per cent
Max Life - 94.25 per cent
Kotak Life - 92.04 per cent
These numbers aren't so bad and some of these insurers have settled most of these claims within 1-3 months. Moreover, term plan of LIC is costlier compared to the online plans of private insurers, which provide greater sum assured at a cheaper price. Now, there's nothing wrong with LIC. However, just because it's a government based organization one should not be blinded either. 6) I will lose my money in mutual funds Whenever we talk about mutual funds, this is the most common thing that one gets to hear. You don't stop riding a scooter just because you fell from it once or twice when you were trying to learn. Shouldn't the same principle apply to investments as well? Though mutual fund is a single name, it comes in different varieties such as equity, balanced and debt. They have different objectives and strategies. You need to pick the one which suits your risk appetite and time frame of your goal. Not all mutual funds will eat away your money in bad situations. For example, liquid fund is an example of debt fund which can serve as an alternative to your savings bank account with sufficient liquidity. 7) I don't need a financial advisor This is probably the most said financial lie. We have a gut feeling in our hearts that managing personal finance is child's play and a financial planner or advisor only works for his advantage and we don't need such people to advise us. EPF (employees' provident fund) contribution, tax deduction and a couple of FDs - that's it. We are done with our financial plan. Or so we think. We visit a doctor when there is a health issue; we visit a lawyer when there is a law related issue. But, why not a financial planner when there is a financial issue? The problem is that we don't recognize financial issues till they have actually happened. 8) I have control over my spending We keep telling ourselves that we have control over our spending and don't need to make a budget. In fact, we keep applying for credit cards with the same impression. Most people say they use credit cards only when it's necessary. Does that really happen always? Yes, credit card has reward points and few other advantages. But, it remains good only if you pay bills on time, do not default, do not frequently transfer balance to another card or do not go for settlements. 9) Personal loan is the best option during emergency Whenever there is an emergency, we only look to apply for personal loans. We believe that there is no other option other than personal loan. But, do you know that you can apply for a loan against fixed deposit, gold, insurance and PPF? And these can be availed at better rates too. And the final one - 10) I cannot invest now Whenever people are asked to invest for their future, most people say their plates are full with EMIs, household spending and so on. So, can you compromise on your goals? No one would want to. You have to make space for regular investment. It may mean you have lesser money to spend on entertainment, vacations and so on. If you are ready to make these sacrifices, then you will be ready to invest for your future. Intentions are more important than numbers. Source : ndtv  

saurabhjain

saurabhjain

 

Why this blog?

Money is something which we cannot live without. We need it for our daily spending, for fulfilling our needs achieving our dreams. Beyond that we do need to keep a emergency fund. We need to inculcate saving practices and seek investment opportunities within our daily routine tasks.  We are lost in paying credit card bills, loan Emi’s and actually we are earning to pay our debts.  With this blog- We want to spread awareness of importance for managing the personal finance.
We will learn basic fundamentals of personal finance
We will share our personal experience which can benefit others
We can seek guidance and ask for advise within network.
We can discuss pros and corns of financial products available in the market.
We can discuss in-depth strategies for moving towards financial freedom
Remember We need to accept the fact that some things will not be immediately resolved or achieved. We need to plan and act calmly, thoughtfully, carefully, and diligently for same and move toward a well considered and desirable outcome.  Regards Saurabh  

saurabhjain

saurabhjain

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