My first blog....

  What is the first thing you should do with your money ?   We are making money, may as Salary or commission or business income. But what is the first thing we should do with the money we receive?    Creating an Emergency Fund is the first step in our Financial journey    Income flow for any individual is important, but it can stop or any emergency can come in between, We have seen Covid situation. There are people lost job, there are families suffered due to health issues. All these situations, they were unable to work and expenses has increased. People had lead a life without income. This situation can come. Eliminating this risk is the first step in your financial journey.    What is your Emergency Fund ?    Figure out, how much is your monthly budget to maintain a desirable lifestyle including your EMIs, Insurance and other mandatory bills ? you have to have 6 months of this monthly budget as Emergency Fund. If you are sitting with z...

Where ever you go in this word, you will find a Malayali When I have landed in Bangalore in 2002, where ever I looked, I could see a Dog or a Malayali. Dogs were afraid of stones throwing at them and Malayali's were fighter, they dont afriad of any thing, but English. Who ever throw English at them. They were afriad and run away.  Good Evening Toastmasters and Guests, I have landed in Bangalore with fear of English and with dream of MBA. Completion of MBA with half the bunch Malayali students in class, we made other state students to speak all bad words in Malayalam. Post MBA, I had option to come back to Kerala. When looked myself, I have earned MBA but fear of English stayed there.  I have started my career in Bangalore to build my English more than anything else. It was tough, we had trainers and managers from different countries. There was no way to speak Malayalam but my manager was a Malayali. With his help, I have started my career. In training, I have found a seat in a...

 My life is happening in a stadium  I have team mates Coaches, supporting staff  I have referees looking at my game  To give score and see if I am playing legal  I have commenters and news reporters  To comment live and later, my past - present and future  I have a gallery  To support, neutrals and pull me down  I am a prayer for my fans and family  Insider and outside the stadium  I have a job to do  That’s my goal  I have to score a goal  I have opponents to score against me  I have opponents to give difficulty time score my goal But they are only reason, my strength get better and better  As a player,  my job is only to play Take my team mates support Encourage them and make the team win  When you are a player, you just play !  Don’t try to be coach, audience or commentator  You are the player, just focus on the game And move towards it  You can take a break  Move around, giv...

 I know, I am wounded  I know, I have recovered  But still, why I am talking  Again and again about my wound ?  Am I really recovered ?