Yoga Day 2024 - Yoga for Health = Investment for Wealth

 

This international Yoga Day, I wanted to pen down my thoughts on the importance of Yoga to Individual Health Vis a Vis the importance of Disciplined investment for individual's wealth. 

for an individual to stay fit, healthy - multiple options are available - regular Gym, Running, Pilates and what not ! - but nothing comes close to Yoga in providing a 360 degree benefit to an individual covering his mental, physical, emotional aspects. 

while Hrithik Roshan , Shah Rukh khan , Junior NTR can have temporary six packs to show off  - It is our own Ramdev Baba, who  has the permanent Six pack - so we know the strength of Yoga :) 

Here is a 10 point corelation of "Yoga for Health" and "Disciplined Investment for Wealth"

1. Long-Term Benefits:

   • Yoga for Health: Regular practice of Yoga helps an individual with long-term health benefits, including improved flexibility, strength, and mental clarity.
   • Investment for Wealth: Consistent investing in quality avenues like equity, real estate generates wealth accumulation over time, providing financial stability and growth.

2. Consistency is Key:

   • Yoga for Health: Health benefits are maximized through regular, consistent practice.
   • Investment for Wealth: Financial success is achieved through regular contributions and disciplined investing.

3. Compound Interest:

   • Yoga for Health: Benefits of yoga compound over time, as each session builds on previous progress, enhancing overall well-being.
   • Investment for Wealth: Compounding interest and returns exponentially grow wealth over time.

4. Stress Reduction:

   • Yoga for Health: Reduces stress through relaxation techniques, meditation, and physical activity.
   • Investment for Wealth: Financial security and planning reduce stress related to economic uncertainties.

5. Holistic Approach:

   • Yoga for Health: Addresses physical, mental, and spiritual health for overall well-being.
   • Investment for Wealth: Involves a diversified portfolio addressing various financial goals and risk tolerance for overall financial health.

6. Discipline and Patience:

   • Yoga for Health: Requires patience and discipline to practice regularly and achieve health goals.
   • Investment for Wealth: Successful investing demands patience and discipline to stay the course despite market fluctuations.

7. Professional Guidance:

   • Yoga for Health: Beginners often benefit from guidance by experienced instructors to learn proper techniques and avoid injury.
   • Investment for Wealth: Investors can benefit from financial advisors to make informed decisions and maximize returns.

8. Personalized Strategies:

   • Yoga for Health: Practices can be tailored to individual health needs and goals.
   • Investment for Wealth: Investment strategies are personalized based on individual financial goals, risk tolerance, and timelines.

9. Mindfulness and Focus:

   • Yoga for Health: Enhances mindfulness and focus, contributing to better mental health and decision-making.
   • Investment for Wealth: Requires mindfulness and focus to make strategic investment decisions and avoid impulsive actions.

10. Preventative Measure:

    • Yoga for Health: Acts as a preventive measure against various health issues, improving quality of life.
    • Investment for Wealth: Serves as a preventive measure against future financial crises, ensuring economic stability and security.

By understanding these parallels, individuals can appreciate the value of investing time in their health through yoga just as they invest money for future wealth. Both endeavors require commitment, planning, and patience but offer significant long-term rewards

For any personal finance queries/investment plans, you can reach out to me at 970 3616 879 /nagaraj@jamawealth.com 

Rtn Nagaraj Kacham

NISM Certified MFD 

NISM Certified PMS Distributor 

970 3616 879 

no title :)

wanted to write some thing from a long time but could not do it... too many things at work and personal front.. 

last 1.5  to 2 years were eventful in many ways and got completely consumed..  

Telangana Elections 2018

it was in 2001 , the statehood movement started . After many turns, twists, deceptions by multiple political parties - The state of Telangana was formed in the year of 2014.

The general election of 2014 saw a great wave of Mr.Modi across the country  and gave simple majority to a single party after decades.. NDA govt has been formed at the centre.

amidst this wave across the country, the new state of Telangana - has got a government of TRS party  led by        Mr. K. Chandrashekhar Rao , popularly known as Mr. KCR - the man who started the movement in 2001 and shown persistence till the Telangana State is formed.

4.5 years of existence as a new state and Telangana is undergoing its first elections - during this time, the state has got multiple recognition across the country and world through the radical and innovative initiations in the governance and welfare schemes. As with all governments, multiple opponent parties have raised many points which they think are detrimental to the interests of state and its people .

Some Highlights

# for the first time in the history of Independent India, we have a state with 24 hrs uninterrupted power supply to all consumers - households, industries, agriculture.


#A massive mission to make 1 crore acres in Telangana get irrigation facilities is underway . Historically Telangana is an agrarian society and most of the farmers are dependent on borewells - unviable and reason for many farmer suicides

#Entire supply chain in the agriculture sector is improved significantly
   - Investment support from govt
   - no queues for seeds
   - strict control on fertiliser quality
   - improved irrigation , 24hr power supply
   - exponential increase of godown capacity

each of these steps have made a huge difference to lives of farmers and they got their due respect

# Friendly and Quick Industrial policy
  - T Hub - future of employment is with startups and Telangana has the largest startup eco system supported by the govt
- quick approvals , availability of power , law and order made many largest organisations of the world to choose Hyderabad as their place.

above are the structural changes we have seen in the past 4 years , which will have a huge impact on the state's economy in coming years .

Apart from these - many initiatives in the Health and education sectors have made quality healthcare and education affordable to masses . Many private practitioners have seen their income levels go down.

the election in 2018 saw the highest activity among the states going for polls - largest amount of money confiscated, leaders of multiple political parties toured criss cross telangana ...

hopefully , telangana people choose a strong government which can take forward the strong foundation laid  and Telangana state continues to be the #1 state in the country .

Recogntions

Telangana gets India Today award

The annual India Today 'The State of the States' study is an attempt to find out which Indian State offers its citizens the best opportunities, both at work and outside.

https://telanganatoday.com/telangana-gets-india-today-award

Chief Minister K Chandrashekhar Rao has been conferred the ‘Business Reformer of the Year’ award at the Economic Times Awards for Corporate Excellence 2018 

https://telanganatoday.com/et-award-conferred-on-kcr

A silent health revolution is on in Telangana. Government health systems are being strengthened. Backward, downtrodden and minority sections are being accorded priority. There is special focus on mother and childcare. This renewed focus is reflected in the number of patients visiting government hospitals – up by over 30% – and also in a steady decline of out-of-pocket expenditure by patients on private healthcare

https://telanganatoday.com/silent-health-revolution-in-telangana

Telangana government’s innovative initiatives in the housing sector and the Municipal Administration wing has been recognised at the national level

https://www.thehindu.com/news/cities/Hyderabad/hudco-awards-two-in-telanganas-kitty/article23674841.ece

Greater Hyderabad Municipal Corporation (GHMC) received Prime Minister's Award for Excellency in Public Administration (Housing scheme).

http://www.newindianexpress.com/cities/hyderabad/2018/apr/22/greater-hyderabad-municipal-corporation-receives-pms-award-for-excellence-1804813.html

Telangana gets India Today award for farm sector growth

https://telanganatoday.com/telangana-gets-india-today-award-for-farm-sector-growth

2018 - what is in store ?

its been a long time and was thinking of writing for a while but could not start .. a new year brings in fresh energy and here am trying to put my thoughts on what could happen in 2018 ...

WORLD WIDE

# Artificial Intelligence (A.I) will come out from laboratories  and we get to see many applications rolled out in main stream areas - Banking, Health Care, Automotives and Agriculture . Governments will start putting more thought into what needs to be done in the age of AI to keep people occupied and able to earn .

# EVs and autonomous vehicles will continue to see increased traction and  world will move closer to the future of mobility - " Solar Powered Autonomous vehicles " 

# More nations will start taking concrete actions against Terrorism - US has started this by explicitly holding back funding to some of the nations 

India

# Many states are going for elections in this year and the central govt will want to keep itself in good books by going slow on the reforms 

# Rebound in Oil prices will start pinching the growth , impacts inflation upward 

# India will see more balanced political landscape with opposition gaining from its lowest appeal, confidence among the people of the country 

Telangana :

# The traction across the sectors (Infrastructure, Industry, Irrigation, Health Care , Education) will continue to bring holistic development 

# Agriculture based growth will start kicking in - courtesy, many of the irrigation projects getting completed 

# for the first time in the history of Telangana region - the society will see more divisions on the lines of caste  - courtesy, the support and funding from govt. for various facilities based on caste

# Hyderabad will be the city with fastest growth in the country (interms of software, Hardware, Start ups and Real Estate)

would like to revisit above in 2019 and see how close/wrong Iam with my predictions.

Happy new Year 

Kollur - Hyderabad

Writing after a long time... this time about an area in Hyderabad . In my opinion, this area will see a rapid development .

Kollur  is a village in Telangana state and is very close to the financial district ( home to IT companies with almost 200K employees and growing rapidly) .

Kollur is just 20 min away from the Financial district , well connected by ORR, Service road which will be the main commuting routes in near future. 

This area has 3 prestigious schools Gaudium by Aurobindo Pharma, Samashti by Nagarajuna Group and Open Minds by Yash Birla group.

Given the close proximity to the Employment zone, School Zone and the best in class connectivity ( preferre route in future) , this small village is witnessing huge real estate activity already and gives an affordable choice of residential plots/villas/fats.

This area is pretty close to Nallagandla, one of the most sought after residential areas by IT community and also very near to Tellapur. Recent revival of the 100 Acre techno park in Tellapur will add more buzz to this small , beautiful and peaceful village.

Read my posts on other areas of hyd : Alkapoor Township  , Gachibowli

Financial Planning - Part II

In continuation to the Financial Planning - Part I , here Iam covering the first aspect of the financial planning.

1) Contingency Fund ( The First and Foremost Important)

Once an individual starts earning , He/She starts experiencing a certain lifestyle and this lifestyle keeps  changing  in accordance with the changes in their income .

In addition,earning  individuals get into commitments like home loan,car loan , personal loan etc .

Adding to this, any family responsibilities like child education , Elderly parents' care and social expectations adds to regular cash outflow.

This leads to a situation - where he may get a lot of income but majority of it is a must for his status-quo.

Given this scenario, what happens if an individual's regular income is stopped for a short/long period for many possible reasons like - Loss of job/Business , long term health problems , taking break etc..
none of these reasons can be ruled out and majority of the people in working/earning age experience one or more of these at some point of time .

Any of these situations, put a lot of pressure on the individual and if there is a financial problem associated to this, it will be a very tough situation to come out . The individual can not focus on getting back to earning as he will be pulled into the financial problems. Also, this may force to draw from long term plans affecting one's retirement plan etc.

What can be done to tide over these situations ?

As per the experts of Financial Planning, it is always suggested to keep track of monthly outflow of cash for 'all must to have ' things. lets say this amount is 'MMC' -' Monthly Must To Have Cash' ( this is my own word :) )

Once this amount is known - multiply it with 4 ( 4 X 'MMC') and then add a buffer of 20% (.8MMC)  to it. So the total is - 4.8 X 'MMC'.

The action item is to build a contingency fund of 4.8 MMC from the income .

Questions arise - should I keep this money idle? Am i not losing the income this money may generate if I invest in so and so ?

while these may sound relevant questions, by spending some amount of time one can find investment avenues , where they an park this contingency fund for good returns.

options like  Liquid Mutual funds can be explored- Better than Bank interest ( Depends on mkt, though) any time access to the fund , can be with drawn in 2 days.

The Sustainability Activists

“Earth provides enough to satisfy every man's needs, but not every man's greed.” ― Mahatma Gandhi.

In the changed world , let me replace the world Man with human being , to avoid any feminist attack on Mahatma :) . Iam sure he does not mean it is only for a man , but he meant this for all humanity.

If we Think over, world was not facing any serious environment issues at the time when Mr.Gandhi has said this, but being the visionary he is, he would have got a sense of where the world is heading . 

During this week, I came across Two very special people who are working towards a green ,healthy , sustainable planet.  

One is working at the origin of the food chain with farmers to create a sustainable agriculture practice. The aim of  his mission is to make farmer independent of third party ( seed vendors,fertilizer/pesticide vendors, Creditors etc.. ) and focus on his farming without any worry and produce healthy food grains/fruits for a healthy society.

Iam an active member of a team called 'ECO Team' in my current organisation  and happened to be an audience to the session by Mr. GV Ramanjaneyulu from Centre for sustainable agriculture . I have given a brief description here  .

The other person is Mr.Shubhendu Sharma from an organization called Afforestt . This is not an in person experience but have come across his website , his TED Talk, INK Talk and Interview .

I was mentioning abt Mr. Ramanjaneyulu's session with my family . We were discussing on the options to start a low cost/zero cost farm related activity in our small piece of land and then chanced upon Mr.Shubhendu's work.

My immediate reaction was - Respect. The work he has done ( By 2013, Planted more than 36000 trees in 2.5 years ) and the words he use to describe and promote urban forests and the big picture he sees not for himself but for the world. Hope They are doing good in terms of the business and creating lot many forests. 

His work is aimed at creating a mini forest in any piece of land size equal to or greater than 1000 sq.ft. Benefits of this compared any lawn/garden plants

- 3 Time more greenery 

- 3 Times more CO2 absorption 

- Increased bio diversity ( he creates the forest with local species) 

- Half of the water requirement

- Increased water level

Wish best of luck to Mr.Shubhendu and Mr.GV Ramanjaneyulu in their mission and hope more and more people start practicing their methods .

Picture from the Free pictures gallery @ Pixabay.com . Many thanks to the people at pixabay for their efforts.