R u Financial Literate???

R u Financial Literate???

Today India's Literacy rate is 74.04%. Its not still up to the mark. But timingly not to worry for. 

But mine question to U now is R we Financial Literate??? Many might wonder whats new with Financial Literacy? Is it a sinking ship for us or trash not to be thought of.  

From Childhood, our parents, teachers taught us very simple guildlines...

"Padhoghe, Likhoge... Banoge Nawab!!                                  

      Kheloghe Kudoghe....Hoghe Kharab!!"

As per 3 Idiots..                                                                             

"Life is a Race... If u Don't run fast... 

                              U will be a Broken Andaa!!!"

From Childhood, we have been fueled with a simple Literate educate that U should be good in Science, Maths, English, etc!!! Then a career path take route &  a routine job life starts. 

Then a Somewhere a Newton derived a Law..." If u are literate enough, U will get a Job!! If U are with Twinkling Job... U now are ready to book a Flat... a car...N blah Blah....& again U are caught in the Debt cycle, which will suck your blood slowly slowly till your retirement. Now once retired, count the pending days & leave the things for your generations ahead. 

I am never against the so called Indian psychology related to Life.

Just Wanna ask a Question... R we surely Knowing What's a Asset n Liability?

Its really pain, That We have a gap of Financial Literacy in our Education system. N we can't blame our Teachers or Parents that they failed to provide us Financial Literacy, because they always provide 50% Extra wat they Know. Branches of Education system is weaken, which don't educate everyone about Finance making our-self Financially healthy.

Today during Covid-19 Concerns, major people are with worry, If they get ride of Job, How they are going to pay the heavy debts??? The people who might get 10000rs per month also & not having any debt.. will have a sound sleep for next 6 Months atleast.

Asset is a part-time, full time revenue generation means, & liabilities are blood sucking bugs. Person who is financial literate, will have his asset columns more strong than his liabilities column.

When you are purchasing a Car, its surely a liability, But you should be so organised, that the Car loan debts should get paid through your Assets. 

Also Remember... Ur Job is never a asset!!

Because honorable President APJ Abdul Kalam have said...

Love your jobs..

But Don't love your company!

Because you may not know, When your company stops loving you!!!'

When you plan for a house, always have a backup remedy if today/ tomorrow  I am ride out of Job... is any possibility that I can pay the debt for atleast 3months till I get a new job.

If you have a dream to purchase something, go ahead..But just some1's point of sake, don't fall prey to Liabilities.

We have been literate to get a Job & have addition of Money.

 But we needed to master Multiplication of Money.

The most famous sentence which I like of Robert T. Kiyosaki is

" Your Money Should be Your Employee..... One Coin.. Brings more Coins along with it, If you Invest intelligently"

In every blog, I always emphasis that...

 Eachone of you Should understand yourself. Don't Replicate what others do & end in a mesh. You would be good in some or the other things. Analysis self. You needed to be sound with Market conditions Nationally & Internationally. Then Invest in best skill you got with.

Focus on How Money flows back to U rather than Sea of Debts taking it from Away.

N Why to wait for Retirement, When you can enjoy every single day of your life, If you have build a Strong Asset column of Yours!!!!

Also educate financial literacy to your children from childhood only, they should learn how to master Money Inflow & Outflow. Then Game of Life is So easy to Play!!!

From:  IAmJustU....Stood Among Many!!

"Love not at First Sight... But SOULMATE now for LifeTime!!!"

"Love not at First Sight... 

But SOULMATE now for LifeTime!!!"

Reading is a journey from Initial A, B, C, D to Creative Pictures, Small Words building a imperfect Sentence, Bedtimes Horrified Grandma Panchatantra Stories with Tricky Birbal with Pony Tail Tenali Rama in the journey, Interval is with Oxford Dictionary & Wren n Martin, & the boat of life pitches through the Ups & Down of Science & History. Then a tricky phase comes of life, Some read out Newspaper loud, & Some deepen in the silence of Novels, Autobiography & many more. 

 When we look back, we have travelled a lot distance sailing on Millions of words read till dated & its never ending journey, till your life stops ticking. If some one asks us, who was your first teacher of first words fluttering of your mouth. Majority will say Aaaaii, Aaaama, might paaa, n all. But do we remember the first time we fall in love with this reading of alphabets. Lets hear out a unconditional loved happened to me with the Sparkling fairyland of Words around us.

Let me take you to my childhood, every family, teacher desires that his son/ daughter should read, write as much as they can in the school life. But its really a boring phase, when something asked which against your wish. I too was the prey of this hunting ground. Pupil say " Where there is a Wish, there is a Way". But Man if i am not wishing only the readable nature, why to find the way.

Nothing comes till You desire for it!!

And mine desires were rolling the curtains of life up, coming days ahead.

I remember, When  I was in 9th Standard, we use to go to Tutions for English & Maths. The days of Adolescence. The days where the lesser you think before you act. Tutions means, Bunch of Freaks Guys with preetier Girls scouting at a little distance wide. Even though Tutor is near you but your dreams are piercing through him.

Our Tutor class use to have one rule, every friday a Maths test would be organised & every Saturday, English test would be organised, & the same day result would be declared. There use to be a fight between Girls & Boys for Max marks gainer of the week. Now those where the days, where I used to be very good in Algebra & Geometry. So every Maths test, I would be the leading competer compared to Girls. A pride feeling among the many & a thing, Girls are noticing me. 

But Saturday... Hussh, Warrior Batton would be lighten from the other side. At the end of English test, the best letter, the best Report, the best Dialogue wrote would be read out loudly. Our Opponent were really tough, girls had a good speech of story telling & a vast Vocabulary. Saturday.. The day the Battle of pride boys used to lose!! A harsh truth, we were really incapable of something. 

And now the phase of Vocabulary realization started unwinding. 

We boys now started coming every day early school atleast 10 min & started reading English news paper. Many tough words those days never understood also, but it was a heavy deft of vocabulary, that we had to undue.Shifted our focus on English Series streaming on Disney Channel those days. Still remember "The Suite life of Zack & Cody". Now we weren't perfect, but ours all Essays, Letter started having eyecatching words. We weren't still won the race, but now we weren't neither too back in the race. 

With every days, months passing reading someone's English comics, sports journal the pottery of our Words wasn't completely fulled, but now we were heavily armoured for the battle. N the magical spells started happening, boys were equally competing for English test including me. In next coming years, the battling spirit got left far-behind, but the Soulmate of Reading got magnetized to us like a shadow.Words are just a descriminative terminology of Self vision seeking the world around. More the Vocabulary you have, the picture of narrating is much more clear. Today I find myself occupied with lot many books during travelling ,home. I too carry a novel to office also, may be in journey time, a page gets read out. Love was never the First time right... but the friend (Vocabulary) is indeed following me to every circumstances of life.

I recommend everyone to take some time out for reading stuffs, let it be anything. Because the Word's phrases may change, Sound n language may change... But at end, they will reflect ourself only to the World around.

 From:  IAmJustU....Stood Among Many!!

Our Indian Economy...Our hands to Pottery the Loosening Clay!!!

Our Indian Economy,

Our hands to Pottery the Loosening Clay!!!

   With Lockdown increasing every minute, with Jumping cases of COVID 19 epidemic, the economy is gonna fall steep curve in Near future. Many analyst such as Moody’s Investor Service (Moody’s) has slashed its economic growth forecast for India to 2.5 per cent for calendar year 2020. India is on the Door step of Biggest recession than 2008.

Than my Dear Indians, Is there anything we can Do to make our Economy sustain Financial crisis which is as deadly as Corona.

The 3 Steps of Understanding to make Economy Bounce Back: 

1. Knowledge related to Government Norms & RBI Policies.

2. Cash Flow within Country & across Nation Boundary.

3. How you alone can make a Difference.

Essential point is from today, What so ever You Do, Remember:

 "KEEP AS MUCH AS CASH FLOW ONLY WITHIN OUR COUNTRY, 

THE MORE THE MONEY GOES OUT OF BORDERS, WE ARE BUILDING THEIR ECONOMY BY OUR HANDS."

Those having Mindset, that Government is Only responsible to make our Economy strong, to provide us employment, Kindly stop reading ahead.

"GOVERNMENT IS ONLY AUTHORIZED ADMINISTRATION, 

WE PEOPLE ARE THE COAL TO RUN THE ECONOMY"

Rather than just reading Headlines, such as
RBI is Liquidating Indian Banks & National Financial Institutions,
Reducing REPO RATE & REVERSE REPO RATE,
Reducing Liquidity Capital Ratio of Bank.
Understand what all this meant, 

YOU SHOULD BE PLAYER IN THIS WAR, RATHER THAN AUDIENCE.

RBI has played very important role by Liquiditing Money in Bank & reducing Repo rate, But this money is only for those who are now in a Business or can be a small startup in coming days. The biggest aim of this liquidity is  to provide funds to People starting new Business/ New Ventures/ Upgradation of Current Business indirectly creating employment & giving money in People Hands.

If this money just lie in Banks & Government uses this money only to pay due loans, then the Money gets Nullify & GDP growth will fall much more.

"MONEY SHOULDN'T BE NULLIFY, BUT BE MULTIPLIED"

1. So at Everyone's end, Think how you can employee atleast 1 person at your End. Start something small startups with a Vision Not to Have Profit, But To Give Employment. If You are Reason for Some one's Bread N Butter, Happiness is worth, Money can ever purchase.

"IDEAS ARE JUST AROUND YOU, YOU NEEDED TO GIVE THEM WINGS TO FLY!"

2. Don't Rely on Your Job. Its Hard when the Scenerio changes & Makes Life Up Side Down. You are the best employee of Yourself if you use your Skills the most. Start having multiple Choices still you are at home. Else you may end with Worries n Hush. 

3. Understanding Cash Flow within country is very Important. Today still you are at home, see all products you are using, of which manufacturer it is, Who owns the company?, How much Stake thus Indian countries have in it & how much does other countries have capitalised share in it. (Today Abundant time is with You, Small Research is Worth).

I don't wanna take any company names, But Consider XXX is a product & it is Owned by ABC Limited. Now if this ABC limited is owned by any foreign country, consider 60% of its Stake Holding. So for every 100rs purchase of any product, directly 60 rs you are giving to foreign nation. And in our daily usage, a lot of products are directly generating revenue to Foreign nation & the sad thing is we don't know also.

Take a Oath, atleast for next 6 Months, I will take products which can generate a high revenue to our country rather than other countries, even though quality of our product might be low, But if you save money within our country, it will indirectly come to you only.

Indian products ranges from Hotels, Luxury to your Daily usage needs. More you use our Deshi things, the spine of our Economy will stood with faster pace.

This are very basic things which every middle class families can do a little to take country out from this financial crises. 

I again Summoned You Friends, 

This Fight can't alone be faught by Government, 

At our end we have to brace our buckles to do a little in this war, 

The Fight is Very Tough & Long lasting!!

In My next Blog, I Will share through Share Market how we can raise our Economy, & What can Deteriote It.

I Am still a Amateur in this Financial World, Help me with your reviews for the same.

From:  IAmJustU....Stood Among Many!!

Life A Clueless Paper!!

Life A Clueless Paper!!

The Star, The Moon!
The Philosophical Nature-the Boon!!

2dy Quarrels to Laught!
Seeing The Almighty Man, Being Homely Fought!!

Whomsoever there on Earth, dully required to Praise Us!
Because At-last we r Homosapiens, Non could stood far Better against Us!!

The Rituals  has Fallen down, The World has Swollen Down!
The Cripplers R Way heading God, N The Giants R in the ring with the Sword!!

The Thinking, The Perception needed to be altered!
 Nature also have the Right to Live, Needed to be filtered!!

Human Race would be a Winner at End!
But Winning doesn't mean to Kill for Fame!!

Nature's Gift of Mind!... Unhaunted Treasure of Mankind!!
Let's Step to return the Favour!.. By Being Generous To Nature hereafter Ever!!

The paper of Life, is erased to be Rewritten!
Joy & Memories are the Divine Colours needed 2 be Drawn!!

At End, Life will again give a Swing to make U Realize,
You Just are a Creature, Don't act too Wise!!!

From:  IAmJustU....Stood Among Many!!

Wheel Should Rolled Ahead....but never Settled Down!!!!

Life is encircling Us...

Today we will learn something, the next day we either make the most use of it...or Scrap it Out of Head & again the magic spells happen, the Wheel spins & makes us stand in new learning phase.

The Curious nature of Mankind bangs the brain to think, react, Explore, innovate... 

But never Settle Down!!

N neverth it should be settled Down too.. Isn't It???

Life should be Full of Surprises, Hectics, Burden, Joy n sorrows.

 If theren't any hurdles, then make many more (I will ask for a Bunch of it) in Your life. Because the Joy in Leaping above the hurdles is far much more excited than walking on a Plain Road.

There should be days were your pockets should be full of yellow coins making you wonder what all you can wish??? & also some day a beggar palm to understand the pain of living to sustain.

The Best teacher lies within us, 

                       he walks with us, 

                                  makes us stand in all circumstances 

                           & educates us to fullest. 

The day when You settle down Yourself,

                        You lose the Best Teacher within You,,

                              & that's the Grievance part of Your Life!!

Money is proportionate ideology, 

the Better you Invest, worth it will return 

& Shopaholic you buy, the more Ur pocket will get torned out...

 & Nothing more than that.

No one needless to think to be Perfect, Because a 7 Word Letter can't justify the Wholesoleness of a Person.

So friends...,

Live Life to Explore yourself the most....

Make a Fight with some one to listen your Pumping heart....

Walk a long way, to chat with oneness....
Thrill out, to energize the Blood running through Veins...

N Promise to self, I won't just live to Prosper, 

But I will Shine to conquer myself in Every stage of Life....

Its not the End of me, & Never it could be...!!!!

From: IAmJustU....Stood Among Many!!

Why Before Me comes U?

A utterly butterly question, cmes to each1 in this wrld...y he is progressing n y me nt...?? Folks is any one admirely neccessary to make up this answer..Surely not!! 

We fail to admire us, explore us, n waste ourself comparing with someone else. A Famous quote is there "Stop comparing urself with others, as it is same as insulting oneness of our own!!"

Each one is unique, comes with hidden talent, which he only has to discover. In our CAD Engineering Language, we have hidden layers in our software which can be displayed on/off by single mouse touch, but is it so simple for Practically Biological Intellectual species of this universe. There's a Big NO.

So Friends Run Die hard in this competitive world; 

Strive till the end, for ur motives; 

Learn a lot till the end of ur life; 

n Play with bare hand with urself at each n every Dead End....

At last "U r the Whole sole Finisher of ur GOALS, rest all are Motivators, N u should end as a Influencer"

From: IAmJustU....Stood Among Many!!

Endeavour the World with the Innovative of You..!!

Its the Fate of World to win making U among the many,

But fuel ur Dreams to fly high among the many!!

I, U, we, all... there's a spark in everyone.. But it's getting overshadowed with running age of competition.

New Dwelling Fresher will always spark with Shinning Golden spirits..., but a Mid tenure career will showcase you a Rusted Admirer!!

It's the same old story lived/ dreamed/ forecasted & Remembered.    Do the ambitions we Dreamed, is the life we live today??

If not ......Time 2 buckle up your loosen Shoes...!!!

Its our Race of Life...

N We will make the world Hear its gloring victory!!!!

Stay Tuned.. for Upcoming stories of me for Victories of U!!

from: I just U..., Among Many!!!