Liquidity Crisis in personal finances

This is no money economy theorum and I am no economist(but I fancied this title)! In the management of personal finances, every one is an expert on their own! We know it right from the ages we managed our pocket money! But in my opinion we have different styles of managing. Extra liquidity is a risk in personal finances. In a hurry to suit the lifestyle, often the liquidity gets spent on a fancy of the moment. Limiting the liquidity just sufficient for foreseen expenses, keeps the personal finances healthy. Some tips are as these; Believe in investing and not spending! Keep saying it to your self, every day it is meaningful! The postponed spending leads to best of purchase decision, most of the times you would have had a better choice. Flipside, may be the attractive offer is gone, but dont regret. This makes us a careful spendor Dont be an acrobat or gymnast! if you have more than handful of investments and assets/businesses to manage, hire personnel and deligate. If you wish not to let a single ball on ground, you can't everything on your own..ex: Have a trusted broker for your stock market purchases / sales! Power of today - If it an opportunity, dont expect it tomorrow! it knocks only once, when it is sencond time, there will be more than many takers! Contingency - deschiplined investment of past is our best friend at contingency! Asset verification: An idle asset need not be so, for eternity. May be, it is the time you utilize it and there is a marginal utility unaccounted so far.. Lastly, personal finance is very 'personal'. So dont copy others...! Hear, listen, read others.. Analyse to do what you want.. after all its 'personal' finance!

Some tasty timepass..

If creativity is one's forte...anything can become inspiration... why not at kitchen?.. After the Sunday siesta, calls for a really hot tickler for toungue.. I tried something like this.. It tasted good when hot...! Potato is so deep frying pan friendly..Any combination tastes good.. Try this out if you have some time after a lazy Sunday Siesta and at a company who appreciates to eat.. (eat well!!) Scrape some peeled potatoes, better crush them in a Mixer Grinder jar, add salt, Jeera and chick peas floor with salt to taste! Potato crush leaves moisture and therefore don't add extra water. Mix the ingredients well until it can make into small patties.. For added taste along with potato, add crushed green peas and carrots, a little.. Heat the oil in a frying pan and deep fry the patties.. Remove before all the bubbles fade..Color is golden brown! Serve hot with ketchup and Masala tea..!! For my kind of Masala Tea, keep the following ready! Your ordinary tea will no more be so.. Vanilla beans dried, ginger and elaichi, better dried. Crush them in mixer grinder and keep in seperate containers! For sugary tea, vanilla goes well,use for tea with milk, blended with hot boiling at a jar. For medium sugar, ginger goes well and anything else elaichi.! Remember to keep the milk thinner to avoid milkly smell over riding the aromas of blended tea!!Serve the tea piping hot!!! That makes the end of perfect Sunday!

Insights of a leader - as I perceive..

Looking at the title, dont get confused that I could be writting about MK Gandhi, Sue Kyi or Obama..!
This is for fellow employees like me who are one with rat race and read such books (if it exists) called "how to be the first rat in the rat race - for dummies" ..in simple terms, for those who have career aspirations... It is worth every word in it..my word for you..
I am writting about the excerpts from interview with a leader from an MNC. His experience as I perceived...

He wrote in his diary on Dec 10 of 2012;
Today I shared my growth story with one of my departments. I told them 'make your challenges public' because it reminds the commitment and keeps the pressure for success on...Take responsibilities.. Either do exceptionally well in one area or take up multiple responsibilities.. and grow faster..
There are different styles of leadership. Every style is necessary depending upon the stage or maturity of organization.....I share my experiences with them.. and told them that 'ask for feedback from people, +ve or negative.. they payback in longrun..Take the services of experts ..dont try to do it everything yourself..
..do work hard when needed.. but dont make it a habit...take calculated breaks also..it improves your efficency..Do not worry about mistakes as long as there is no BIG RISK...you learn from it..Sometimes problems are normal.. Keep the problems known to all ...optimism is the catalyst...
I told them to ask questions.. and one of the team members asked me how did I take over in a far of country...? I told the team ..how important is the skill set.. I had some skillset.. and I knew where I had to start..My country knowledge and style of my pre-decessor.. That worked for me.. I told them they need to think through and do the same..
I also told them how important it is to keep the credibility.... Maintaining the fact is only way of credibility..
Meanwhile one of the guy asked me ...how did I manage the peers...when I was taking position over them.. I told him....that the hierarchy is decided by the company... so they must oblige.. get over the initial discomfort ..and things will fall in place.. Because.. it does not last longer.. Things change and I should be ready for such changes as well...When there is an opportunity, be ready... I hope the guys understood the idea..
I told them how good it is to read.. The habit of reading.. It may not add up to your job.. but to you as individuals...I told them to have a non-job passion...It is good to have...

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.........................T.V.

My boss told me ..think like boss and you will have less gyan from your boss..! I tried to think like super boss..and could write his diary..I guess I have done a pretty good job..!! Well done Sush!! Keep it up!!

Kumbh Mela - Being merged with universe with "I" to "null"

News of kumbh mela never interested me as much as the mythology stories I used to read in Amarchitra Katha when I was young.

..Until I saw the footage in TV recently ..the largest congregation of human beings in this world!!!
...Very materialistic that I am and used to be.. find that there must be something that 8 crore people find in it that is not materialistic...
..Kumbh mela concluded on Shivrathri... I felt strange that I missed something.. I am missing something.. I wish I took part in it.. at least to realize and strengthen my realization that there is some thing in it.. Every devotee who took part is lucky...
                Hey ..no ..I dont feel it is unhygenic.. endemic ..chaotic..
This is how it could  feel for one and all at Prayag..If I were there..I felt this too like below

I see 8 crore people ..rich poor good bad ugly... Then what am I?  My "I" factor is disppeared ..There is no 'I'.. there is nothing special .. I am one among all

I am walking with 8 crore people...who want salvation.. who believe it is..at the banks of Ganges.. then I am too.. my faith is getting stronger.because 8crore people have the same... I am a spiritual being too.. If "I"=" "=> " " ="  ". Then I or " " is all .. one with null.. I am no myself but every thing.. every one.. Just part of the whole..!!! What an idea sirji!!

I see 8 crore people....who are out of their sinful life...I am too.. if I am..There is nothing more powerful than faith..! Faith that it is true...
I dont die of stampete, cholera or food alergy... I am safely back from Prayag..I lead a normal life.. but I saw the 8crore energies at a single place...I did see what many didn't..! Because they are there voluntarily.. by force of faith... I pray..with all my energies.. as..
This devotion...This station.....This faith....This thought...be eternal..!!

and make this moment repeat for part of future congregations too.. year after year..!!!

Upon 36000 feet high

What we see from face to face looks different when we see that from top.. right..?

It looks more different when we see that from up...above and from a height.. What we see..

we see the object.. and its surroundings and as we go up and up and.. we see more and more.. Things look different when we see it from top...rather things ..ARE different when we see from top...sounds like some philosophy..eh? That's what I was thinking.. upon 36000 ft high..

I travelled to Europe via Dubai recently.. as usual I didn't give up my choice of placing myself besides window...That's something that I don't get enough of it..

What I saw.. I invite you to see that through MY Eyes..!

We live in toy world. Toy sized apartment, narrow lanes for driving toy cars, a stadium as small as that could be placed upon a table...a lake that has only a bucket full of water..a park that is only as small as you can draw the boundary in a chalk piece.. it is getting smaller.. smaller..

as small as it is drawn in a map....or rather.. it is a part of a big map..

The hills or mountains... they don't matter when we see them from a distant height.. size is only a relative term.. It doesn't narrate what is bigger.. a mountain is no mountain.. it is an unfinished work of a lazy sculpture.. with no mending done on unfinished edges..

I see a river.. in fact many rivers ...smaller and larger.. They both have one thing in common.

A river starts from a point.. where no one knows it starts there.. I saw that from top..Even a

river does nt know she is a river....it is such a humble beginning.. A river is made ...with many more water sources joining her.. she gets bigger..broader..larger.. as she grows and flows by..

This is how every river is.. if it is joined by ..she grows.. if it is joined to another.. she loses identity or an identify different than what it used to be..A river path is most unplanned one..

It is a happening...of various natural causes.. cliffs, edges, mountains..

From the top, everything looks unplanned..all due to cause and effect..still ...they only follow some rules.. not knowing that they are rules but sheer option-less choices.

They equate the color of 'hope' is white and brightness..! I know that why?

The far most, distant view from 36000 ft height is the white and bright layer of color (rather colorless?) .. where earth meets sky.. we call that horizon..! I couldn't see anything further...

May be thats why they say.. the ultimate is always bright.. so don't get deterred by the darkness around you..!?

When I was flying on Middle East..it was little different..! The color above the horizon and little below that was, indigo.. or violet..It was evenly spread.. bright layer of white between a violet..looked like heaven.. I wished I could paint that..

Arabian sea..It was a day blessed with clear sky..Gods kept the clouds aside to grace me a good

view below ... The blue..clear water is every where..endless.. just here and there..there were ships..

they looked like small immobile objects from the distant top..A blue sea on a sunny day is no different than a starry night.. It has fishes reflecting the sun light every where..some single and some groups of reflections...Wonder what their size could be ..to be able to be viewed from such a height.. One observation was..they could sense the existence of ships.. I saw the groups of reflections every where but always at a distance from where ever I saw the ships and boats..I guessed it couldn't be coincident.

Another good view in Arabian sea is of green water patches within the blue ocean!! ..

Imagine a light green water color within the dark blue water.. After a while it was my pass-time to find green water spaces within the blue.. it was rare but ...it looked absolutely spectacular..

Again...now..I regretted not being a painter..(rather I know that had I chosen that profession I couldn't have had this view..!!! we don't get to go onsite for painting. ..eh!?)

At 36000 ft above the ground, with outside temperature -51 degree, ground temperature may be of 35-40 degree.. eating airline served piping hot rice that is grown far away..listening to Ghazals from 1980s ... is just normal. Could any one imagined this 150 year ago.. Wouldn't it be like a cock and bull story..

There is Dubai shore down..there.. scorching sun..dry land..sandy ..dusty..rocky..lifeless... with uber broad and well laid free ways..! It is a challenge to nature.. to tame the such an extreme terrain and create a human habitat out there..! For my mind it was scary to imagine living there myself.. What if A/C fails for a month..? No water supply..? How sustainable is a man made paradise? That is the power of desire..! A strong desire is unfazed by challenges..! An example.

Is that why Arabs are strong people.. nature made them tough with challenges.. basics are not easily provided by the nature..

But my first learning enlightens me again.. It is only the view from top.. The same thing has another view....face to face at the ground..too..! and that could be different...I have come to where I have started..!

(I am on hunt for a technology to transfer the visual memories. Till then I try to do that with blogs..happy reading)

On becoming wise or something

My tryst with management consultants is not new or not rare.
I wish I am.

Businesses invite them, tell everything about the business, pay them hefty money and get back a thought of what would have known, in beautiful jargon and later state 'this was known..old wine in new bottle... only was not too sure of design of new bottle..!

But most of them are good and justify their role..I have always been inspired by few..
Vibhakar, Nehruji, Pratima, Marla.. list is long..

One of them said.. this interesting one.. try.

At every point of life for a while in the surroundings...

• Stop
• Observe
• Think
• Internalize
  

become wise ...

May be this one I assume;

• Observe
• Think
• Internalize + Act
  

become a leader..
or,

• Stop
• Observe
• Think
• Internalize + Utilize ...

become a successful dealer(businessman)..!!!

man with a dream & life with a purpose

We chase our dreams and be happy when it is realized.
What happens when we dont realize dreams? We are unhappy..
Strangely though.. sometimes we are unhappy on not realizing the dreams.. even having exceeded it!!!

There was a man who had a donkey. He had the donkey for his daily travels and for transporting things. He was always dreaming of owning a bullock cart with two bullocks on it. He fantasized everyday how he would live when he owns the cart. He simulated the bullock cart ride on his donkey and hoped for one day to realize it on his own bullock cart. He could never buy one and days were passing. One day on his way he had to cross a water body and his donkey was good enough to do that. At the same time there was a Noble man with a luxury Tanga trying to cross the same water body. His Tanga was so luxurious that it was not fit to cross the water. The Noble man, desperate to reach his destination offered to exchange the Tanga for the donkey and the deal happened. The man tried a long route with his new possession of Tanga and proceeded further. The Tanga was faster and comfortable. Man proceeded along and stopped by a Governor on the way. Governor wanted an open roof vehicle for a formal city visit. He pledged his car with the man for his Tanga. The deal happened. The Governor's men lost the Tanga after the city visit & man retained his pledged possession. He drove the car further and offered transport to few people for some money for the fuel. He saved few money and went on to buy more cars for hire and became rich. ...
and one day someone asked him.. what was his unrealized dream..!
...He regretfully expressed his dream to own that bullock cart & to try those riding skills that he fantasized with his donkey..!!!!!

Life without a purpose and life without dreams couldn't be exciting.
Sometime we exceed our dreams and live a reality beyond that.
Still...if didn't dream them... it is that 'bullock cart' that lingers on ..!