Saturday, 23 November 2019

Master your Money. Master your Life - Book Review

"A Fool with a plan can outsmart a Genius any day" - T Boone Pickens (CEO of BP Capital)

I have recently read a brilliant financial planning book “Master your Money. Master your Life” written by Abhishek Kumar. Even though I have already read dozens of books about Financial planning, however, this book tops my favorite list for the author's brilliant skills of explaining the complicated financial jargon in simple English that can be understood by anyone who can read English. 

This book highlights beautifully that “It is not about how much you earn, but how well you plan your finances that makes you Rich”. 

After reading this book, I strongly regret “Why I haven’t read such a good Financial planning book before Fifteen years?”. I convince myself that it is better late than Never. 

If I am the principal of a College, I will give this book as a gift during the convocation for all the graduates.  In the current situation, Middle-class salaried professionals are highly talented to earn lots of money, however, when it comes to planning their finances, they score below average. 

This book clearly captures the mistakes of every salaried middle-class professional in India. Some of the rare salaried Professionals, read the Financial planning books written by the American authors and try to follow the same formula in the Indian Sub-continent. Please be informed that we can take the good Financial planning concepts from the American authors, however when it comes to Investment we need to plan according to the current Indian Economic situation and policies. For Example, buying a Real Estate in the United States might be a lucrative investment, however, the same might not be considered a good investment in India currently due to many factors. So, only this book is highly recommended as it talks considering the current Indian Economic situations. 

Key highlights of the Books : 
  • Importance of Goals 
  • Power of Compound Interest
  • Index Funds and its importance 
  • Hidden Secrets of Stock Markets and Mutual Funds 
  • Importance of Term Insurance 
  • Five Fundas 
    • Financial Freedom Account 
    • Emergency Fund Account 
    • Sinking Fund Account 
    • Fun Account 
    • Necessity Account 
Pro’s : 
  • You will know the insights and tools about how to make your money work for you. 
  • How to wisely Insure yourself and your Family, without falling prey to marketing gimmicks.  
  • You will start living like a millionaire, who is living next door. 
  • You can retire early RICH and you can live your dreams. 

Con’s : 
  • You will stop using a Credit card with immediate effect. 
  • You will never apply for Personal Loan, Vehicle Loan, etc. 
  • You will never buy things in EMI, even though it is no cost EMI.  
  • You will be happy in growing your money rather than spending the money. 
  • You will accumulate a huge amount of money so that your children can live their dreams and don’t need to work for money. 

Verdict : 
I strongly recommend this book to all the Middle-Class Working Professionals to plan their finances wisely. 

If you have already had good knowledge about Financial Planning, it will just hit the refresh button. You can also use this book as a blueprint to check whether you are going in the right direction to your financial freedom. 

Final Words : 
If you like this book, please recommend it to your family and friends who are living in an illusion to enlighten them to live a financial free blissful life. Let them also sleep peacefully, knowing the secrets of Financial planning. 

Wish you success and Abundance. Happy Reading. 


Friday, 4 October 2019

Sri Ramakrishna Paramahamsar about Religion and God

I have practiced all religions. Hinduism, Islam, Christianity, and I have also followed the paths of the different Hindu sects. I have found that it is the same God towards whom all are directing their steps, though along different paths.

The tank has several ghats. At one Hindus draw water in pitchers and call it jal; at another Mohammedans draw water in leather bottles and call it pani; at a third Christians, and call it water. Can we imagine that the water is not jal, but only pani or water? How absurd! The substance is One under different names, and everyone is seeking the same Substance.

Every religion of the world is one such ghat. Go direct with a sincere and earnest heart by any of these ghats, and you will reach the water of Eternal Bliss. But say not that your religion is better than that of another.

Different creeds are but different paths to reach the one God. Diverse are the ways that lead to the temple of Mother Kali at Kalighat in Calcutta. Similarly, various are the paths that take men to the house of the Lord. Every religion is nothing but one of such paths.

Bhagavad Gita As It Is - Book Review

I cannot Teach Anybody Anything. I can make them think – Socrates

I have visited dozens of Spiritual Ashrams and read hundreds of Spiritual books to get answers for the below Questions :

   Why me?
   Who am I?
   What is the Soul?
   Why there are sufferings in this World?
   How to live a happy life forever?
   How to get Liberated from the repeated cycle of Birth and Death?

Even though, I got answers for most of my burning questions during my spiritual journey, I was not convinced a hundred percent.

Recently, I have read the book “Bhagavad Gita - As It Is” written by Srila Prabhupad ( Founder of ISKCON ). This single book has answered all the above questions clearly, which my logical brain can agree without any doubt.

There are multiple Spiritual schools of thoughts all over the World. In most of the Spiritual School of Thought, a Spiritual Master will get enlightened and explain the Secrets and Mysteries of Life-based on his Own Self-realization. However, What makes this book [ Bhagavad Gita – As It Is ] unique when compared to the other Self-realisation books is that Bhagavad Gita is Spoken by GOD HIMSELF.

Bhagavad means God, Gita means Song. It is the Song of God. In the Bhagavad Gita, God explains the most confidential Knowledge to Arjuna, who is in a state of confusion and anxiety. After hearing the Bhagavad GITA Arjuna will be in peace and harmony, ready to face the challenges.

Bhagavad Gita 9.1
śrī-bhagavān uvāca
idaṁ tu te guhyatamaṁ
pravakṣyāmy anasūyave
jñānaṁ vijñāna-sahitaṁ
yaj jñātvā mokṣyase 'śubhāt

Translation :
The Supreme Lord said: My dear Arjuna because you are never envious of Me, I shall impart to you this most secret wisdom, knowing which you shall be relieved of the miseries of material existence.

You are Blessed Soul :
If you are reading this blog, please be informed that you are one of the blessed souls in this materialistic world. What you assume as suffering currently is not at all a Suffering. If you count your blessings, it will be a very big list when compared to your sufferings. If you have food on your plate, beautiful clothes on your wardrobe and roof on your top, you are truly blessed.  A statistical report says that almost 19 crores of the Indian population goes to bed hungry. A person who doesn’t know whether he gets the next meal is the person, who is in real suffering. You can also add those persons who are suffering due to pain of Chronic illness.

I hope now you will be convinced that you are one of the blessed souls in this materialistic world, who have a little suffering. However, all the souls that have been descended to this materialistic world need to suffer. However, the degree of suffering depends on one’s KARMA. Lord Krishna explains that this Materialistic World is Dukhalayam, which means it is a place of Suffering. Birth, Death, Old Age, and Disease are the major attributes of this materialistic world and no one can escape from it until liberation. 

Otto Bismarck once beautifully quoted as "Fools learn from experience. I prefer to learn from the experience of Others". A Wise person will learn from other experiences or sufferings. If you are a Wise person, you should ask the Question like Buddha “Why there is suffering in this materialistic world ?”  “How to get rid of sufferings in this materialistic world ?”

We need to get the answers for these questions from the Supreme Personality, who has created this materialistic World. Bhagavad Gita is the User Manual to the Human Beings to get out of the repeated cycle of Birth and Death in this Materialistic world and reach the Spiritual World.

Bhagavad Gita 9.7
sarva-bhūtāni kaunteya
prakṛtiṁ yānti māmikām
kalpa-kṣaye punas tāni
kalpādau visṛjāmy aham

O son of Kuntī, at the end of the millennium every material manifestation enters into My nature, and at the beginning of another millennium, by My potency I again create.

When to read?
Buy the book “Bhagavad Gita – As It Is” and keep in your Home. Read the book when you are feeling that you are at the edge of the World when you ask the question “why am I Suffering ?”  “Why Me ?”. You will understand the contents of the books crystal clearly. If you are a wise person like me, start reading the book as soon as you buy it [ I am one of the Many thousands among Men J  ]

Bhagavd Gita Chapter7 Verse-3
manusyanam sahasresu
kascid yatati siddhaye
yatatam api siddhanam
kascin mam vetti tattvatah

Out of many thousands among men, one may endeavor for perfection, and of those who have achieved perfection, hardly one knows Me in truth.

Sri Ramana Maharishi once beautifully Quoted that “It is by God’s grace that you think of God”

Gift a Book :
If you know someone is suffering in this materialistic world, please gift “Bhagavad Gita – As It Is”. It will help them to get answers for their current sufferings.
I have gifted this book to my friend, who is in the Ocean of Suffering. After reading this book, he got clarity like Arjuna and lives a peaceful and blissful life.

You can also gift it to your Parents/relatives who have crossed the age of Fifty. I have read somewhere that in ancient India, the parents who cross above 50 will go inside Forest to live a simple life and seek Self Realisation. You are also welcome to gift it to your Family / Friends as a Birthday Gift to help them to unravel the mysteries of life in the Young age and to seek the Spiritual Truth.

Final Words :
I strongly BELIEVE and ACCEPT the contents of Bhagavad GITA and try to follow it as much as possible. Based on my fourteen Years search, I personally feel that BHATI YOGA is the simplest and easiest way to attain Liberation or Moksha or Mukthi in this Kali Yuga.

However, I give FREEWILL and FREEDOM to you to follow any Spiritual School of Thought that your consciousness BELIEVES it as RIGHT.

Saturday, 22 June 2019

Nine Principles for Good Health

First - Eat as much as natural foods like Fruits and Vegetables. 
Second - Do Exercise or Yoga or Walking or Swimming for at least twenty minutes daily. 
Third - Meditate for at least twenty minutes daily. 
Fourth - Do more of what makes you happy. 
Fifth - Believe in some higher positive vibrations or Universe or God. 
Sixth - Always have a positive attitude in your life. 
Seventh - Love everyone unconditionally and Forgive everyone including Yourself. 
Eighth - Be content in your life. 
Nine - Eat only when you are feeling Hungry.

Monday, 17 June 2019

You are Rich - The Happy Zen Inspiration

You become Rich, the moment you start counting your blessings, instead of counting your bank balance - The Happy Zen

You are Rich, if you are healthy.
You are Rich, if you are happy.
You are Rich, if you are content.
You are Rich, if you are grateful.
You are Rich, if you have Peace of mind.
You are Rich, if you have loving parents.
You are Rich, if you have a loving spouse.
You are Rich, if you have loving children.
You are Rich, if you have helping friends.
You are Rich, if you have food on your plate.
You are Rich, if you have roof over your head.
You are Rich, if you have colourful dress on your wardrobe.
You are Rich, if you do the Job you love.
You are Rich, if you have a compassionate heart.
You are Rich, if you have Wisdom.
You are Rich, if you sleep the moment you kick the bed.
You are Rich, the moment you starting counting your blessings.

Monday, 20 May 2019

How to take small calculated Risk ?

For me taking risks is like eating Ice cream. Yes, please go ahead and read the complete story, to know the calculated risk I have taken for eating an Icecream. 

Salem | 15-May-2019 | 12.30 PM 
In Salem, I, my wife along with my son was doing shopping. Sun is showing it's full power and the Current temperature in my mobile was showing 43-degree Celcius.

In order to cool ourself, we have entered a nearby ice cream shop with an intention to cool our body. Suddenly, a poster Pot Maalai Kulfi ( Summer Special) Rs.40 have taken my attention in the Ice Cream Shop. 

Without seeing the Menu, my wife has ordered her favorite Vanilla Ice cream, as she doesn't want to come out of her comfort Zone. Being a Project Manager by profession, I like taking calculated risks. I have ordered the Pot Maalai Kulfi. 
If I like it, I will get something better added to my favorite list. However, If I don't like it, I will update my lesson learned database so that I won't order this item in the future. Fortunately, I liked the Pot Malaai Kulfi and I got something better added to my favorites list. 

Moral of the Story :
Most of the people in this world, live a mediocre life and settle for something good. Only very few takes calculated risks and get successful and get something better. It's never too late to take calculated risks. Your beautiful life is lying outside your comfort Zone. 

A Request from Author :
If you like this article, please share it with your family and friends. It might help their Spiritual Journey.

You are kindly requested to join my mission to Donate a Meal to start making a positive difference in someone's life. You are born with the ability to change someone life positively, please give your life a chance.

Master your Money. Master your Life - Book Review

"A Fool with a plan can outsmart a Genius any day" - T Boone Pickens (CEO of BP Capital) I have recently read a brilliant f...