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. 

Financial Planning - Part I

In the current scenario, with uncertain careers and increasing cost of living, Financial planning for every individual is very very important to lead a Happy Life.

while every one agrees that Financial planning is important, the awareness in India is at a very dismal level and increasing only recently.

What aspects should a Financial plan cover?

1) Contingency fund ( the first and foremost important) 

2) Insurance ( Life and Health insurance for self and Family) 

3) Saving ( save first and spend later ) 

4) Define your needs/goals ( Home,Car,Vacation,Child education, elderly parents' care, Retirement,Estate Planning etc..)

5) Invest your savings in line with your goals

6) Track and change course where required

Thanks to Pixabay.com for free image of a happy family used in above diagram. People who give away any thing ( money/time/food/cloths/creations like this picture) are surely contributing to the betterment of the society at large . My Best wishes to the people at Pixabay.com

Iam planning to write a separate blog on each of the 6 aspects mentioned above.

Today's Interesting News - 25 April 2015

2 Indians Awarded for Saving Toddler Dangling From Balcony in Singapore :

Two Indian nationals in Singapore have been hailed as heroes and commended for saving a dangling toddler stuck between the rails on a parapet of a second floor apartment block. Hats off to them and good luck to the kid .

Bengaluru's Chinnaswamy Stadium Goes Solar, Aims to Generate 1.3 Megawatt Power : As if to celebrate the earth day, Chinnaswamy stadium gone solar . Happy to see multiple news and events happening on solar front. Each of this contributions make a huge impact on the economy of India , environment of the world . Will write my opinion in detail in a later blog .

Weekend Special : Happiest countries in the World  : Switzerland,Iceland and Denmark take the top three places in the list and you can visit the link on CNN for the complete list and also to know why they are the happiest countries. I always , get a thought that can we have a same scale for the entire world to measure the happiness/best place to live etc.. with so many different kids of people, different cultures,different needs , how can we define the happiness/best place to live etc? I will write on that some time later.

Sustainability

As part of EarthDay activities, ECO team in our office has arranged a session on Sustainable Agriculture by Mr.GV Ramanjaneyulu from CSA ( Center for sustainable Agriculture) 

Came across startling facts about the problems faced by farmers in India , the struggles they go through in farming ( from seed collection , pesticide collection) water problems .

CSA is doing a commendable work in areas related to agriculture

1) Support the farmers with methods of agriculture without pesticides
2) Work with govt in making policy changes towards sustainable agriculture
3) Spread awareness among all to use pesticide free food

They have many farms running with pesticide free method of farming and open for visit by anybody on prior appointment.

Also, he explained the amount of water required for producing one kg of each food and explained how we can contribute to the world by just changing the eating patterns/habits .

Source : http://www.theguardian.com/news/datablog/2013/jan/10/how-much-water-food-production-waste

Foodstuff	Quantity	Water consumption, litres
Chocolate	1 kg	17,196
Beef	1 kg	15,415
Sheep Meat	1 kg	10,412
Pork	1 kg	5,988
Butter	1 kg	5,553
Chicken meat	1 kg	4,325
Cheese	1 kg	3,178
Olives	1 kg	3,025
Rice	1 kg	2,497
Cotton	1 @ 250g	2,495
Pasta (dry)	1 kg	1,849
Bread	1 kg	1,608
Pizza	1 unit	1,239
Apple	1 kg	822
Banana	1 kg	790
Potatoes	1 kg	287
Milk	1 x 250ml glass	255
Cabbage	1 kg	237
Tomato	1 kg	214
Egg	1	196
Wine	1 x 250ml glass	109
Beer	1 x 250ml glass	74
Tea	1 x 250 ml cup	27
Source: IME

Today's Interesting News - 23 Apr 2015

In an interesting development, while the Residential Project Launches  in large cities across India are down by 50%, there is a huge surge in the project launches in hyderabad. Good sign for India's youngest state .Wish this continues and brings back the glory of Hyderabad. The number of units launched in Hyderabad is just 30% lower than Bangalore now.. wish Hyd beats Bangalore sooner:)

AP's new capital to have a massive man made lake , Twice the size of Iconic Hussain Sagar in Hyderabad : What ever may be the reason behind this move, happy to know that a large water body is being created after a very long time in human history . Best wishes for the new capital and wish it thrives on all aspects and will not become like existing cities in India where basic necessities - good roads, drinking water , smooth travel are big luxury.

While the large Oil companies across the world are brain storming on the strategies to beat the oil price slump - TATAs, India's most respected Business house have come up with a Solar car prototype which can reach a max of 60KMPH

On this earth day, lets learn some good habits from this lady , who lives a zero waste life . The waste/trash she generates in half year is much lesser than the waste generated in half day by most people . Hats off  Ms.Shreeves : Hear you go

OLX - Wow!

We live in Alkapoor township . Currently staying in a rented place and will be moving to our own flat in next one month .

To make the shifting easier, i started cleaning up , getting rid of un used cloths,items,toys in my home.

As part of this, posted an Advert to sell cooler in OLX. what happened after that created a lot of respect for OLX.

Many people called me to find out the details and negotiate on the price. All the calls are genuine .

One of the person agreed for the price and said , he will take it if its in good working condition, which i accepted.

He came to my home around 730 PM . By then, this family ( he was driving along with his wife) has collected another 2 items ( refrigerator and TV ) from other sellers on OLX and my cooler was the third item for his family's comfort .

After couple of checks and test runs, he paid money and went away and told me ' Bhai, today i have bought 3 items through OLX for my family ' and both the wife and husband were happy with the deals they got and are really excited to use these products for the benefit of their family.

if i imagine a time, back when there was no OLX , families with certain financial constraints could never aspire/enjoy the comforts of many gadgets/household things as the new items are beyond their budgets and there were no used items available.

Of course, the advantage for the sellers is get rid of old items, make shifting easy , replace old items with any new variants of choice. Win Win - for the buyer , seller and facilitator - OLX. 

I would say, OLX is a social entrepreneurship kind of a venture , not sure what was the founders' intent though:)

Today's interesting news @ Hyderabad - 22 April 2015

Telangana industries face no power cuts for first time in 15 years : Proving the proponents of Telangana formation right, the newly formed state has achieved an excellent credit  within an year of coming into existence. No power cuts for industries,households - generating business confidence and the state is poised for a phenomenal growth . Lets wish all the Telangana a great success.

Chicken sales crash 80% in Hyderabad due to bird flu  : effect of the bird flu, causing lot of damage to the poultry industry which generally has a poor summer . 

Irrelevant' HMDA may get scrapped : The govt of Telangana, taking note of the gross mis handling by HMDA across the board is mulling to overhaul the HMDA. Hopefully, another good news for the Hyderabadis


Koti Women's College gets 1 million pounds for conservation : Giving another boost to the Hyderabad's Heritage city tag ( central budget has identified 7 tombs as one of the major site for tourism) the Koti Women's college has got one million pounds of donation for  preservation and restoration. For many, who has not visited this college, this is a building seen in many movies with wide steps and two Huge Lion statues on both sides:) 

Andhra Pradesh plans entity to oversee future investments : in a well thought out plan, the AP govt is setting up an empowered committee to over see the industrial investment in the state. Best wishes to the AP state for an all round development.

Advertising - why should it be Sex(nsu)al ?

was driving towards JNTU from HiTEC city and took the fly over to avoid traffic jams and gain some time :) .

Happened to see a huge hoarding of calvin klein jeans :

Product : Jeans for men and women
Photo on the hoarding: Guy wearing a CK jeans is lying down with bear chest and a girl is falling on him while unbuttoning his CK jeans, showing of his inner wear , wondered why the inner wear is not showing CK brand name :)

The purpose of an advertisement is, to let the people know about existence,differentiation of a particular product . so what are these guys telling the people ?

Watching TV after a long time. ( since Vibhav handles the remote, it only Chhota Bheem for us ) and got a chance o watch some music channels.. happened to watch a deo/perfume ad

Product : WildStone ( is it !! ) 
Video : Tapsee pannu is busy in flying the kite along with her kid brother, the guy on the next building has a Wildstone deo , so his strong muscular perfume attracts this beatiful lady and she loses her kite. the kid brother shouts the same. In a very desperate attempt, she sends her kid brother down stairs and jumps on to the next building to cut the muscular guy's kite and attracts him by a naughty show off of her back.

Not only these , barring handful of advertisements ( dairy milk,cadbury's horlicks ) etc.. majority of the advertisements use the theme of sexuality ...

I would say , they definitely get the brand re call but not a sustainable way for the business and happens to create  negative culture in society ..

Alkapoor Township - Hyderabad

Alkapoor township is a residential area in Hyderabad .~ 8KM away from both HiTec City and Gachibowli making it a suitable place to live for IT professionals.

This is a very good residential area developed in ~ 300 Acres . The colony has very wide roads ( 40" and 60" ) . main roads are 100" and has foot paths

the township is a peaceful area with very less traffic ( only the residents and no passers by) , and has 5 parks , each park is larger than 3 Acres..

The residents association is very active and have developed 3 parks with all facilities for kids play along with walking tracks.

best part of this colony is quality of the flats available at a very competitive price .. the builders aryamitra , anuhar  have done an excellent job and we see good quality apartments with proper setbacks and landscaping.

This is area is seeing rapid growth with a lot of new projects under construction and in my opinion, it will get at least 1500 - 2000 new families in next one year.

This area needs govt support in terms of public transportation and betterment of roads .

The township is close to Golconda fort, 7 Tombs, Taramati Baradari and Gandipet . Shamshabad airport is just 30 min from this place .

Iam trying to put the distance to major IT work places from some of the residential areas  and also the price/sft for a flat in these areas.

Distance from major residential areas to the IT areas :

	HiTEC City	Gachibowli	Adibhatla
Nizampet	11 KM	15.7KM	60.8KM
Miyapur	10.4KM	15.1KM	57.6KM
Chandanagar	9.8 KM	10.5KM	58.2KM
Alkapoor township	10.2 KM	11.1 KM	44.8 Km

Daily Travel time to IT areas:

	HiTEC City	Gachibowli	Adibhatla
Nizampet	36 Min	42 Min	78 Min
Miyapur	30 Min	33 Min	69 Min
Chandanagar	28 Min	22 Min	65 Min
Alkapoor Township	29 Min	23 Min	47 Min

Price/Sft in all these areas:

	Price/Sft
Nizampet	2580/-
Miyapur	3164/-
Chandanagar	~3000/-
Alkapoor Township	2300/-

Given the shorter distances to all 3 major IT areas and shorter travel times to these places, Alkapur township should be the best place to stay for IT people. In addition, this place has a very healthy atmosphere with less traffic and lot of greenery .

Lot of training centers ( sports/music/dance/painting) are  available for all age groups. so parents can plan all round development of their kids.

Also, the price for sft is very reasonable and much lesser than cost in many major towns in Telangana and AP .

The new additions coming up in this area are : direct connectivity to ORR , reduces the distance from Township to Gachibowli by ~ 2km , so you will be just 7 Km away from Gachibowli.

Iam living in Hyderabad from 1998 and lived at more than 4 areas in this great city . Here you can check my view on Gachibowli area where i lived for 2.5 years from June 2008 to December 2010.

Update on 9th Sept 2015 :
Alkapoor township is seeing a rapid addition of residents and multiple gated community projects.
Floatilla,in, bezonia.com  are some of the examples. I would expect , this township to lose the cost advantage faster and become a premium locality in hyderabad

Update on 18 Mar 2016 :
Biggest gated community in this locality, Floatilla is almost full with around 160 families and many more gated communities coming up .
lot of action in terms of development , rather development efforts .. road work started to connect to ORR , Water Pipeline work is coming up for multiple discussions but no concrete action yet ...


Update on 14 Jun 2016:
This locality is catching up fast . Per Sft price has gone upto 2800/- . It will definitely go up further given the locational advantage of being close to many parts of the City  Jubilee Hills,Mehdipatnam,HitecCity,Gachibowli, Airport) . In a way this is a connecting point for the new city being developed around ORR and the existing hotshot areas.

Update on 23 Jan 2018 :
this township is now among one of the best residential areas in Hyd..all utility,healthcare ,recreational facilities are available now within arms length..

grocery : Ratnadeep,Heritage,Dileep and many more loal stores
health care : 3 dental clinics, galen multispeciality clinic,Elite Diagnostics
recreational : many Gyms, Indoor badminton courts, well developed sports parks

Update on 13 Mar 2019 :
This area is well known now and the cost difference is no more in favor of this area :) ..increased population and lot of commercial activity made this area one of the costliest in Hyd..
the quality of living , with the greenerey, parks etc..is much better than many places in Hyd

Health – Surya Namaskar/ Sun Salutation

Simple and very effective physical exercise

In the present day, majority of us are having a very busy schedule. Stressful jobs coupled with nuclear family structures are causing lot of health problems.

In this scenario, some positives are – growing interest in the physical well ness of self and family members. Though there is intention, many of us are unable to pursue a routine of physical activity (be in walking/running/yoga/ any other exercise)

Reasons for this are – lack of time, lack of aware ness on simple and less time taking activities.

Some of us many not be able to go out every day for a walk. Some us may be not in a position to do running or take part in any sport.

For people with any of these restrictions, Surya Namaskar can act as a very good and effective solution giving much needed exercise to whole body along with good breathing pattern.

12 Positions make one cycle of Surya Namaskar, shown as below :

Doing one cycle of Surya Namaskar takes 30 – 45 seconds and by spending just 10 minutes in a day, we can complete 10 cycles easily and the benefits are felt immediately. It is a complete workout for whole body, without any need for equipment.

Major benefits of Surya Namaskara are:

-        it strengthens your back, your muscles

-       This asana, apart from improving one's posture, also gives a proper workout to the body and so helps in losing unwanted flab.

-       The postures in Suryanamaskar stretches our muscles and makes our body very flexible.

-       The moves and postures of the asana regulates our blood flow, benefits the digestive system and makes it more efficient.

-       It helps combat insomnia as it relaxes the body and calms the mind.

-       It helps regulate menstrual cycles and makes childbirth easier.

-       This asana is known to facilitate blood circulation and thereby help hair growth and prevent hair problems.

-       It reduces anxiety and restlessness and enhances our strength and vitality.

-       Suryanamaskar benefits not just adults, but kids above 5 years as well.

ReStart ! will it be ?

its been a very long time i wrote any thing ( years ) ... and its been a long time ( months ) i am thinking about starting again.

was thinking of many aspects - Finance,Career,Parenthood, business .. and will try to write atleast one blog per week ...

hope this blog will definitely act as a restart for me :)

CrossRoads

At Crossroads - > choose your ‘ROAD’ -> your destination

I think this more or less summarizes anybody’s career and life …

Starting at the age of 15 years, Each individual will get to a cross road for every 2-3 years in their life and the decisions they take at these points determines the course of their life both career and personal as well!

How good it is to have a mentor who knows our strengths, what’s in store for each of the option and guide us to take the best decisions to have a fulfilled life. A dream like scenario isn’t it?

I was just contemplating some of the major decisions in my life and the above thought struck me..

After my SSC, I have taken the M.P.C.(Maths, Physics and Chemistry) route which put me into engineering  and during my engineering days, I choose not to write Gate and not to go to US for MS.. but tried for CAT , an MBA seat in top 10 colleges of India.. these decisions and my efforts put me into a software job..

 is it my preferred option 1? No . But why am I here?

I could not decide on the preferred option in time and hence could not work on that ..so I had to take the option Iam left with..

In one-way,   I am  very lucky that the option which is the dream of many is not  a preferred option for me but I could make it good in this field.. On the other hand because of my other preferences, I am not at my best here and always have that feeling of missing the thing I wanted badly..

What I want.. I want to be running a successful business spread across geographies and creating huge employment and lot of wealth for me and others involved.

So why am I nt doing the thing I want and continuing with a different career ..

1)      Not  taking a firm decision at correct time

2)      Not planning and hence not taking actions required

Why have I not done the above? Many factors including lack of awareness and distractions with temporary opportunities.

If somebody guided me correctly, what I would have done.

Somebody made me sit and discuss

what are the options I have,

what are my strengths,

what are my desires and took me through each of the options  , what I need to do , what I will get and most importantly what kind of life I will be leading by choosing each of the options, I think definitely I will be in a different track  .

Iam pretty sure, most of us will be having the same thought… how good it is if we have a place  where we can go whenever we are in a dilemma whenever we are at crossroads and get help from people who know better , who can guide us .. to be continued

Financial Freedom

during the last 1- 1.5 months, I happened to meet and hear about many people who are enjoying this state of life...and good news is, these fantastic people are openly coming out and telling people how to achieve the same.. how good it is, if we have access to the wisdom and practices of the people who has achieved it..

you do certain things consistently for a period of 2-3 years without losing hope when you get a rejection .. and end of this timeframe you have a passive income of 30K-50K per month in your hands..yeah more than 60% of us can start thinking abt leaving our 9-6 job and keep doing the tasks which are more interested and keep us all happy and excited..

unlike many people who are sceptic/negative,  i was always positive towards direct selling /free enterprise/  private franchising..and happened to remember a person who was trying his luck in this field when i was in my engineering.
This guy started with Amway during 2000 when he is doing his graduation and kept working on it... in 2010 , he and his wife both are sort of retired ( no 9-6 job) and he maintains much better life style than many of the other friends I know...

As the Rich Dad says, this process ensures passive income down the line making you financially free..
the other ways are investing in dividend yield stocks,rent yielding property ...all three options need consistent actions, reviewing our plans and yeah sticking to them..

Travelling with Infant

hmmm... just two months back , i was spending alot of my time on searching information as we were  about to travel to Melbourne from Hyderabad with our 5 month old son, Vibhav..our Vibhu :)

some of the major concerns we had are :
What to take along?
Where to sit in the flight?
what all things we should check with the airlines before starting?
will he be ok during the take off and landing
finally, will he adjust easily to the new place,weather, time zone

thank god, it all went very smooth for us ... and prompted me to write this for the sake of all young kids travelling and for their parents..

what to take along : depends if your kid is breast fed or bottled milk, for bottle fed babies, you need to take sterilised bottles, warm water (preferably in a flask) , the formula powder, and any accessories you are using for feeding.

where to sit in the flight: try to get a seat near the basinet , even if you can't use the basinet you can sit comfortably with your baby and can keep things handy..

what all things we should check with the airlines before starting? : Call them in advance and block a bassinet seat, enquire about the availability of warm water in the waiting area

will he be ok during the take off and landing  : beasue of the increase in the air pressure, babies may cry , but don't worry if its a cry for a short time.. do not cover the ears with any ear cuffs or cloth else that may lead to more discomfort for the baby..


adjusting to the new place,time zone depends on how well you plan and stick to the plan.. try to let them know the day and night times by exposing to sunlight during the day time in new place .. and this would make them adjust very easily.. our son took almost 5-8 days to adjust we could not plan well...