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Funny Traffic Signboards in India


1.      “No Parking Zone. If parked here All tyres will be punctured with extreme prejudice”
2.      “Love thy neighbor but not while driving,”
3.      “This is a highway not a runway”
4.      I am curvaceous, Be slow!
5.      Drive like Hell & You will be there !!!
6.      Live for your Today…Drive for your tomorrow
7.      Mind your Brakes or Brake your Mind
8.      Hospital ceilings are boring to look at … Avoid Accident
9.      Be slower on the Earth than Quicker to Eternity
10.  Make love not war…but nothing while Driving

Journaling

One of the habits that I am beginning to cultivate these days is to “Journal Daily” . Journaling  is nothing but recording the activities and events of the day. It would be much similar to “Personal Diary Writing” except that there are much more benefits to extract out.

First benefit of a journal is that it captures the thought. This is important because if you dump it on the paper you would get rid of thinking about it again which is a freedom from “tyranny of impoverished thinking”. The next time the thought arises you would be thinking how to act on it.

Second benefit of a journal is the Perspective. Lets take a scenario where an argument  cropped between you & your friend that turned nasty. As you record this event in the journal, you are surely bound to record it as a narration from a third person’s perspective. This account will definitely be more sober which will really help you understand the crux of the issue without the emotional baggage.

Third benefit of the Journal is the Progress.  As you record the daily events, you will inevitably record the habits that you are picking up. For example, You would absolutely want to log in the journal the amount of time you spent in the physical exercise. Another example is to record your debt periodically and feel for yourself the effect of the reducing “Debt Melt”.

Fourth benefit of the Journal is the Priorities. Once you become  regular at Journals,you will see recurring patterns of items that are priorities of your life appearing in it. In my case it is about Family, Health & Hobbies. You would need to focus on these items in your daily life more for gaining happiness along the way.

Final benefit of a Journal is the Reminiscence factor. Journal is a verbal photography of the day. Would you not be interested in knowing what you were doing this day exactly 10 years back? 

Start journaling and feel the power of it.

Bangalore Book Fair -2011


My date with the Bangalore Book fair continued for the 6th consective year . I was first introduced to it by my dear friend Arul Srinivasan (currently in San Diego,California). Till then, I was a very reluctant reader confining myself to the newspaper & the news magazines. And then I read the book “The Monk Who Sold His Ferrari” by Robin  Sharma. It was an enlightening book due to the fact that it energized me every time I happened to read the book. I realized  the power of Books & Reading . It also prompted me to write while being part of the Toastmasters Club.

A person committed to learn would need both Self-realization and Implementation. Books provide the mirror to your self. Implementation is altogether a different topic in which I am a certified slacker. Nevertheless I love books simply to gauge myself. Following are books in my library that I would recommend for anyone :
1)      The monk who sold his Ferrari – Robin Sharma
2)      The Professional – Subrato Bagchi
3)      The 80/20 Way – Richard Koch
4)      Five Point Someone – Chetan Bhagat
5)      The Toyota Way – Jeffrey K. Liker

This list does not include the Tamil Books that I also follow. My favorite author is one “Sujatha” (Rangarajan).  A versatile writer whose repertoire  spans from spiritualism to science fiction. My humble aim is to publish a book one day. Time only will tell if the aim is humble enough given my writing skills.

Bangalore Book Fair is being held at the Palace Grounds,Bangalore.Turn off the Idiot Box next week end and instead spend time in the book fair. It will surely be worth the money.

Inspiring Speeches -2 - Steve Jobs

'You've got to find what you love,' – Steve Jobs

This is the text of the Commencement address by Steve Jobs, CEO of Apple Computer and of Pixar Animation Studios, delivered on June 12, 2005.
I am honored to be with you today at your commencement from one of the finest universities in the world. I never graduated from college. Truth be told, this is the closest I've ever gotten to a college graduation. Today I want to tell you three stories from my life. That's it. No big deal. Just three stories
The first story is about connecting the dots.
I dropped out of Reed College after the first 6 months, but then stayed around as a drop-in for another 18 months or so before I really quit. So why did I drop out?
It started before I was born. My biological mother was a young, unwed college graduate student, and she decided to put me up for adoption. She felt very strongly that I should be adopted by college graduates, so everything was all set for me to be adopted at birth by a lawyer and his wife. Except that when I popped out they decided at the last minute that they really wanted a girl. So my parents, who were on a waiting list, got a call in the middle of the night asking: "We have an unexpected baby boy; do you want him?" They said: "Of course." My biological mother later found out that my mother had never graduated from college and that my father had never graduated from high school. She refused to sign the final adoption papers. She only relented a few months later when my parents promised that I would someday go to college.
And 17 years later I did go to college. But I naively chose a college that was almost as expensive as Stanford, and all of my working-class parents' savings were being spent on my college tuition. After six months, I couldn't see the value in it. I had no idea what I wanted to do with my life and no idea how college was going to help me figure it out. And here I was spending all of the money my parents had saved their entire life. So I decided to drop out and trust that it would all work out OK. It was pretty scary at the time, but looking back it was one of the best decisions I ever made. The minute I dropped out I could stop taking the required classes that didn't interest me, and begin dropping in on the ones that looked interesting.
It wasn't all romantic. I didn't have a dorm room, so I slept on the floor in friends' rooms, I returned coke bottles for the 5¢ deposits to buy food with, and I would walk the 7 miles across town every Sunday night to get one good meal a week at the Hare Krishna temple. I loved it. And much of what I stumbled into by following my curiosity and intuition turned out to be priceless later on. Let me give you one example:
Reed College at that time offered perhaps the best calligraphy instruction in the country. Throughout the campus every poster, every label on every drawer, was beautifully hand calligraphed. Because I had dropped out and didn't have to take the normal classes, I decided to take a calligraphy class to learn how to do this. I learned about serif and san serif typefaces, about varying the amount of space between different letter combinations, about what makes great typography great. It was beautiful, historical, artistically subtle in a way that science can't capture, and I found it fascinating.
None of this had even a hope of any practical application in my life. But ten years later, when we were designing the first Macintosh computer, it all came back to me. And we designed it all into the Mac. It was the first computer with beautiful typography. If I had never dropped in on that single course in college, the Mac would have never had multiple typefaces or proportionally spaced fonts. And since Windows just copied the Mac, its likely that no personal computer would have them. If I had never dropped out, I would have never dropped in on this calligraphy class, and personal computers might not have the wonderful typography that they do. Of course it was impossible to connect the dots looking forward when I was in college. But it was very, very clear looking backwards ten years later.
Again, you can't connect the dots looking forward; you can only connect them looking backwards. So you have to trust that the dots will somehow connect in your future. You have to trust in something — your gut, destiny, life, karma, whatever. This approach has never let me down, and it has made all the difference in my life.
My second story is about love and loss.
I was lucky — I found what I loved to do early in life. Woz and I started Apple in my parents garage when I was 20. We worked hard, and in 10 years Apple had grown from just the two of us in a garage into a $2 billion company with over 4000 employees. We had just released our finest creation — the Macintosh — a year earlier, and I had just turned 30. And then I got fired. How can you get fired from a company you started? Well, as Apple grew we hired someone who I thought was very talented to run the company with me, and for the first year or so things went well. But then our visions of the future began to diverge and eventually we had a falling out. When we did, our Board of Directors sided with him. So at 30 I was out. And very publicly out. What had been the focus of my entire adult life was gone, and it was devastating.
I really didn't know what to do for a few months. I felt that I had let the previous generation of entrepreneurs down - that I had dropped the baton as it was being passed to me. I met with David Packard and Bob Noyce and tried to apologize for screwing up so badly. I was a very public failure, and I even thought about running away from the valley. But something slowly began to dawn on me — I still loved what I did. The turn of events at Apple had not changed that one bit. I had been rejected, but I was still in love. And so I decided to start over.
I didn't see it then, but it turned out that getting fired from Apple was the best thing that could have ever happened to me. The heaviness of being successful was replaced by the lightness of being a beginner again, less sure about everything. It freed me to enter one of the most creative periods of my life.
During the next five years, I started a company named NeXT, another company named Pixar, and fell in love with an amazing woman who would become my wife. Pixar went on to create the worlds first computer animated feature film, Toy Story, and is now the most successful animation studio in the world. In a remarkable turn of events, Apple bought NeXT, I returned to Apple, and the technology we developed at NeXT is at the heart of Apple's current renaissance. And Laurene and I have a wonderful family together.
I'm pretty sure none of this would have happened if I hadn't been fired from Apple. It was awful tasting medicine, but I guess the patient needed it. Sometimes life hits you in the head with a brick. Don't lose faith. I'm convinced that the only thing that kept me going was that I loved what I did. You've got to find what you love. And that is as true for your work as it is for your lovers. Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you haven't found it yet, keep looking. Don't settle. As with all matters of the heart, you'll know when you find it. And, like any great relationship, it just gets better and better as the years roll on. So keep looking until you find it. Don't settle.
My third story is about death.
When I was 17, I read a quote that went something like: "If you live each day as if it was your last, someday you'll most certainly be right." It made an impression on me, and since then, for the past 33 years, I have looked in the mirror every morning and asked myself: "If today were the last day of my life, would I want to do what I am about to do today?" And whenever the answer has been "No" for too many days in a row, I know I need to change something.
Remembering that I'll be dead soon is the most important tool I've ever encountered to help me make the big choices in life. Because almost everything — all external expectations, all pride, all fear of embarrassment or failure - these things just fall away in the face of death, leaving only what is truly important. Remembering that you are going to die is the best way I know to avoid the trap of thinking you have something to lose. You are already naked. There is no reason not to follow your heart.
About a year ago I was diagnosed with cancer. I had a scan at 7:30 in the morning, and it clearly showed a tumor on my pancreas. I didn't even know what a pancreas was. The doctors told me this was almost certainly a type of cancer that is incurable, and that I should expect to live no longer than three to six months. My doctor advised me to go home and get my affairs in order, which is doctor's code for prepare to die. It means to try to tell your kids everything you thought you'd have the next 10 years to tell them in just a few months. It means to make sure everything is buttoned up so that it will be as easy as possible for your family. It means to say your goodbyes.
I lived with that diagnosis all day. Later that evening I had a biopsy, where they stuck an endoscope down my throat, through my stomach and into my intestines, put a needle into my pancreas and got a few cells from the tumor. I was sedated, but my wife, who was there, told me that when they viewed the cells under a microscope the doctors started crying because it turned out to be a very rare form of pancreatic cancer that is curable with surgery. I had the surgery and I'm fine now.
This was the closest I've been to facing death, and I hope its the closest I get for a few more decades. Having lived through it, I can now say this to you with a bit more certainty than when death was a useful but purely intellectual concept:
No one wants to die. Even people who want to go to heaven don't want to die to get there. And yet death is the destination we all share. No one has ever escaped it. And that is as it should be, because Death is very likely the single best invention of Life. It is Life's change agent. It clears out the old to make way for the new. Right now the new is you, but someday not too long from now, you will gradually become the old and be cleared away. Sorry to be so dramatic, but it is quite true.
Your time is limited, so don't waste it living someone else's life. Don't be trapped by dogma — which is living with the results of other people's thinking. Don't let the noise of others' opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary.
When I was young, there was an amazing publication called The Whole Earth Catalog, which was one of the bibles of my generation. It was created by a fellow named Stewart Brand not far from here in Menlo Park, and he brought it to life with his poetic touch. This was in the late 1960's, before personal computers and desktop publishing, so it was all made with typewriters, scissors, and polaroid cameras. It was sort of like Google in paperback form, 35 years before Google came along: it was idealistic, and overflowing with neat tools and great notions.
Stewart and his team put out several issues of The Whole Earth Catalog, and then when it had run its course, they put out a final issue. It was the mid-1970s, and I was your age. On the back cover of their final issue was a photograph of an early morning country road, the kind you might find yourself hitchhiking on if you were so adventurous. Beneath it were the words: "Stay Hungry. Stay Foolish." It was their farewell message as they signed off. Stay Hungry. Stay Foolish. And I have always wished that for myself. And now, as you graduate to begin anew, I wish that for you.
Stay Hungry. Stay Foolish.
Thank you all very much.

Trust Your Memory To Fail

Multi-Tasking is the “In” thing these days irrespective of its effectiveness. Added to that, we live in an age of Information overload. The combination of the two pose a great challenge to the human memory (at least for me) resulting in Ineptitude…which in plain English means “Forgetting “. One of the solutions proposed by  the Productivity Guru David Allen (Getting Things Done) is to dump your memory on the white sheet.
I have tested this method “brain dump” and have had a good measure of success. The only time I found it does not work  is when I fail to review the items on the white sheet. I usually carry a pocket notebook and pen with me. Whenever I get reminded of a task, I just note the task in my pocket notebook. By this way, I don’t go into memory recursions later to remember the task that I wanted to do but forgot the task itself.
Remember that I am not talking about doing the task.  I am just talking about the collection process of all the things that you want to do now, later or never at all. This is the most essential requirement for organizing the way we do the things.
My usual task-list looks for a day looks like this :
·         Record expenses
·         Physical Exercise
·         Eating Salads
·         Check Weight
·         Plan for the day’s work
·         Vehicle fuelling and Air-Check
·         Write a blog
So start doing the following simple steps and feel for yourself how things fall in place:
1)      Buy a pocket notebook and a pen/pencil
2)      Jot down the things that you wanted to do
3)      Keep jotting down the things as the day progresses
4)      Check your task list at the end of the day.
Just follow the above collection process for a few days and you will go into a self-guided mode of doing them.

Inspiring Speeches - 1 Subroto Bagchi to new batch of Year 2006 - IIM- bangalore

Success to me is about Vision. It is the ability to rise above the immediacy of pain… It
is about creating extra-ordinary success with ordinary lives.
My parents set the foundation of my life…
I was the last child of a small-time government servant, in a family of five brothers. My earliest memory
of my father is as that of a District Employment Officer in Koraput, Orissa. It was and remains as back
of beyond as you can imagine. There was no electricity; no primary school nearby and water did not
flow out of a tap. As a result, I did not go to school until the age of eight; I was home- schooled. My
father used to get transferred every year. The family belongings fit into the back of a jeep - so the family
moved from place to place and, without any trouble, my Mother would set up an establishment and
get us going. Raised by a widow who had come as a refugee from the then East Bengal, she was a
matriculate when she married my Father. My parents set the foundation of my life and the value
system which makes me what I am today and largely defines what success means to me today.
As District Employment Officer, my father was given a jeep by the
Government. There was no garage in the Office, so the jeep was parked
in our house. My father refused to use it to commute to the office. He told us
that the jeep is an expensive resource given by the government he
reiterated to us that it was not ‘his jeep’ but the government’s
jeep. Insisting that he would use it only to tour the interiors, he would
walk to his office on normal days. He also made sure that we never sat in
the government jeep - we could sit in it only when it was stationary. That
was our early childhood lesson in governance - a lesson that corporate
managers learn the hard way, some never do.
It is more important to respect your subordinates than your superiors…
The driver of the jeep was treated with respect due to any other member of my Father’s office. As small
children, we were taught not to call him by his name. We had to use the suffix ‘dada’ whenever we
were to refer to him in public or private. When I grew up to own a car and a driver by the name of Raju
was appointed - I repeated the lesson to my two small daughters. They have, as a result, grown up to
call Raju, ‘Raju Uncle’ - very different from many of their friends who refer to their family drivers as ‘my
driver’. When I hear that term from a school- or college-going person, I cringe. To me, the lesson was
significant - you treat small people with more respect than how you treat big people. It is more
important to respect your subordinates than your superiors.
“You should leave your newspaper and your toilet, the way you expect to find it”…
Our day used to start with the family huddling around my Mother’s chulha - an earthen fire place she
Address by Subroto Bagchi, Chief Operating Officer, MindTree Consulting to the Class of 2006
at IIMB ampus to the new batch on defining success.
would build at each place of posting where she would cook for the family. There was no gas, nor electrical
stoves. The morning routine started with tea. As the brew was served, Father would ask us to read aloud the
editorial page of The Statesman’s ‘muffosil’ edition - delivered one day late. We did not understand much
of what we were reading. But the ritual was meant for us to know that the world was larger than Koraput
district and the English I speak today, despite having studied in an Oriya medium school, has to do with
that routine. After reading the newspaper aloud, we were told to fold it neatly. Father taught us a simple
lesson. He used to say, “You should leave your newspaper and your toilet, the way you expect to find it”.
That lesson was about showing consideration to others. Business begins and ends with that simple precept.
We learnt that it is important not to measure personal success and sense of well being through
material possessions…

Being small children, we were always enamored with advertisements in the newspaper for transistor radios
- we did not have one. We saw other people having radios in their homes and each time there was an
advertisement of Philips, Murphy or Bush radios, we would ask Father when we could get one. Each time,
my Father would reply that we did not need one because he already had five radios - alluding to his five
sons. We also did not have a house of our own and would occasionally ask Father as to when, like others,
we would live in our own house. He would give a similar reply, “We do not need a house of our own. I
already own five houses”. His replies did not gladden our hearts in that instant. Nonetheless, we learnt that
it is important not to measure personal success and sense of well being through material possessions.
It is not about what you create for yourself, it is what you leave
behind that defines success…

Government houses seldom came with fences. Mother and I collected twigs
and built a small fence. After lunch, my Mother would never sleep. She
would take her kitchen utensils and with those she and I would dig the
rocky, white ant infested surrounding. We planted flowering bushes. The
white ants destroyed them. My mother brought ash from her chulha and
mixed it in the earth and we planted the seedlings all over again. This time, they bloomed. At that time, my
father’s transfer order came. A few neighbors told my mother why she was taking so much pain to beautify
a government house, why she was planting seeds that would only benefit the next occupant. My mother
replied that it did not matter to her that she would not see the flowers in full bloom. She said, “I have to
create a bloom in a desert and whenever I am given a new place, I must leave it more beautiful than what
I had inherited”. That was my first lesson in success. It is not about what you create for yourself, it is what
you leave behind that defines success.
I measure my success in terms of a sense of larger connectedness…
My mother began developing a cataract in her eyes when I was very small. At that time, the eldest among
my brothers got a teaching job at the University in Bhubaneswar and had to prepare for the civil services
examination. So, it was decided that my Mother would move to cook for him and, as her appendage, I had
to move too. For the first time in my life, I saw electricity in homes and water coming out of a tap. It was
around 1965 and the country was going to war with Pakistan. My mother was having problems reading
and in any case, being Bengali, she did not know the Oriya script. So, in addition to my daily chores, my
job was to read her the local newspaper - end to end. That created in me a sense of connectedness with
a larger world. I began taking interest in many different things. While reading out news about the war, I
felt that I was fighting the war myself. She and I discussed the daily news and built a bond with the larger
universe. In it, we became part of a larger reality. Till date, I measure my success in terms of that sense of
larger connectedness.
If we can imagine a future, we can create it, if we can create that future, others will live in it.
That is the essence of success…
Meanwhile, the war raged and India was fighting on both fronts. Lal Bahadur Shastri, the then Prime
Minster, coined the term “Jai Jawan, Jai Kishan” and galvanized the nation in to patriotic fervor. Other
than reading out the newspaper to my mother, I had no clue about how I could be part of the action. So,
after reading her the newspaper, every day I would land up near the University’s water tank, which
served the community. I would spend hours under it, imagining that there could be spies who would
come to poison the water and I had to watch for them. I would daydream about catching one and how
the next day, I would be featured in the newspaper. Unfortunately for me, the spies at war ignored the
sleepy town of Bhubaneswar and I never got a chance to catch one in action. Yet, that act unlocked my
imagination. Imagination is everything. If we can imagine a future, we can create it, if we can create
that future, others will live in it. That is the essence of success.
To me, success is about the sense of independence; it is about not seeing the world but seeing
the light…

Over the next few years, my mother’s eyesight dimmed but in me she created a larger vision, a vision
with which I continue to see the world and, I sense, through my eyes, she was seeing too. As the next few
years unfolded, her vision deteriorated and she was operated for cataract. I remember, when she
returned after her operation and she saw my face clearly for the first time, she was astonished. She said,
“Oh my God, I did not know you were so fair”. I remain mighty pleased with that adulation even till
date. Within weeks of getting her sight back, she developed a corneal ulcer and, overnight, became
blind in both eyes. That was 1969. She died in 2002. In all those 32 years of living with blindness, she
never complained about her fate even once. Curious to know what she saw with blind eyes, I asked her
once if she sees darkness. She replied, “No, I do not see darkness. I only see light even with my eyes
closed”. Until she was eighty years of age, she did her morning yoga everyday, swept her own room
and washed her own clothes. To me, success is about the sense of independence; it is about not seeing
the world but seeing the light.
I learnt that there is no limit to how concerned you can be for another human being and
what the limit of inclusion is you can create…

Over the many intervening years, I grew up, studied, joined the industry and began to carve my life’s
own journey. I began my life as a clerk in a government office, went on to become a Management
Trainee with the DCM group and eventually found my life’s calling with the IT industry when fourth
generation computers came to India in 1981. Life took me places - I worked with outstanding people,
challenging assignments and traveled all over the world. In 1992, while I was posted in the US, I learnt
that my father, living a retired life with my eldest brother, had suffered a third degree burn injury and
was admitted in the Safderjung Hospital in Delhi. I flew back to attend to him - he remained for a few
days in critical stage, bandaged from neck to toe. The Safderjung Hospital is a cockroach infested,
dirty, inhuman place. The overworked , under resourced sisters in the burn ward are both victims and
perpetrators of dehumanized life at its worst. One morning, while attending to my Father, I realized that
the blood bottle was empty and fearing that air would go into his vein, I asked the attending nurse to
change it. She bluntly told me to do it myself. In that horrible theater of death, I was in pain and frustration
and anger. Finally when she relented and came, my Father opened his eyes and murmured to her, “Why
have you not gone home yet?” Here was a man on his deathbed but more concerned about the
overworked nurse than his own state. I was stunned at his stoic self. There I learnt that there is no limit to
how concerned you can be for another human being and what the limit of inclusion is you can create.
My father died the next day.
Above all, he taught me that success is your ability to rise above your discomfort, whatever
may be your current state…

He was a man whose success was defined by his principles, his frugality, his universalism and his sense
of inclusion. Above all, he taught me that success is your ability to rise above your discomfort, whatever
may be your current state. You can, if you want, raise your consciousness above your immediate
surroundings. Success is not about building material comforts - the transistor that he never could buy or
the house that he never owned. His success was about the legacy he left, the memetic continuity of his
ideals that grew beyond the smallness of a ill-paid, unrecognized government servant’s world.
Success is not about the ability to create a definitive dogmatic end state; it is about the
unfolding of thought processes, of dialogue and continuum…
My father was a fervent believer in the British Raj. He sincerely doubted the capability of the postindependence
Indian political parties to govern the country. To him, the lowering of the Union Jack was
a sad event. My Mother was the exact opposite. When Subhash Bose quit the Indian National Congress
and came to Dacca, my mother, then a schoolgirl, garlanded him. She learnt to spin khadi and joined
an underground movement that trained her in using daggers and swords. Consequently, our household
saw diversity in the political outlook of the two. On major issues concerning the world, the Old Man and
the Old Lady had differing opinions. In them, we learnt the power of disagreements, of dialogue and the
essence of living with diversity in thinking. Success is not about the ability to create a definitive dogmatic
end state; it is about the unfolding of thought processes, of dialogue and continuum.
“Why are you kissing me, go kiss the world.”
Two years back, at the age of eighty-two, Mother had a paralytic stroke and was lying in a government
hospital in Bhubaneswar. I flew down from the US where I was serving my second stint, to see her. I spent
two weeks with her in the hospital as she remained in a paralytic state. She was neither getting better
nor moving on. Eventually I had to return to work. While leaving her behind, I kissed her face. In that
paralytic state and a garbled voice, she said, “Why are you kissing me, go kiss the world.” Her river was
nearing its journey, at the confluence of life and death, this woman who came to India as a
refugee, raised by a widowed Mother, no more educated than high school, married to an anonymous
government servant whose last salary was Rupees Three Hundred, robbed of her eyesight by fate and
crowned by adversity - was telling me to go and kiss the world!

My Tryst With Physical Exercise:

I used to have this Goal of Daily Physical exercise for the past of several years. The problem though was I was never a regular at Physical Exercise. It used to be in Fits and Starts. My longest streak of exercising was for around 21 consecutive days. I started to think about this recently on why exercise has never made into my life as an habit

Following are my observations on my irregular exercise routine:

Usually the day’s agenda forced me to decide if I felt motivated to go out and exercise. If it was an hectic day, I would get bogged down and prefer to lie down in the bed rather than exercising
On Somedays,  I woke up so late that I would prefer to run through the daily chores rather than spending the time in exercising
Last and the most important reason was sheer laziness. I preferred to get that extra half-hour sleep in the bed rather than slugging out in the Park

And one fine day  I read an article by Leo Babauta’s four steps for changing habits
1)      Start very small….Earlier I used to think I would go for exercise only if can do 30 minutes of work-out. Nowadays, I tend to go out to do the  Physical exercise even if it is just for 10 minutes.

2)      Do only one change at a time…I don’t do a variety of exercise. I just go out and do jogging. I am ramping the time that I spend on exercising at a slow pace.

3)      Be present and enjoy the activity (don’t focus on results)… Earlier I used to get paranoid about the  speed & time that I spent in exercising…These days I just go out there and exercise. Each step at a Time is what I am focusing on…Nothing More.Nothing Less

4)      Be Grateful for every step you take… Finally I am happy that I am out there exercising .I am in the process of developing a new habit

Let me see how this goes….I will keep you all posted

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  1. If you need 20 lakhs at the age of 65,how much do you need to save per month assuming 7% interest? -If you start at 20, its Rs.510 per month -If you start at 40 though , its Rs.2280 per month …So start investing  early which is today. 
  2. Spend less than you earn…Approximately 40% of families live off 110% of their incomes…Count to 10 before you buy
  3. Invest Wisely…..Save at least 10% of your Income
  4. Buying with cash, not credit, can help you cut back on spending. People spend 12-18% more when using credit cards than when using cash… so  simply pay with cash not plastic
  5. You need a safety net to deal with an emergency. Ideally you'd have enough to pay rent and bills for six months, but even a three month cushion can be a big help
  6. Tracking your income and expenses will help you understand where you can improve. Maybe you're spending too much on going out to eat or could be saving just a little bit more each month. Finding tools to help you track spending can be a great help in planning for a strong financial future

Warren Buffett & The Layman Investor - Post 4


“Buy a Wonderful Company at a bargain price” - Warren Buffett
Stock Investing is as simple as that or as complex as that depending on if you are the person by name Warren Buffett. So how do you define the “Wonderful Company” ? According to Mr.Buffett, a Wonderful company is one that yields highest Return On Capital, Year After Year.

Return On Capital is nothing but the Equivalent of Return On Investment. It is computed as following;
                Return On Capital =          Net Profit + Interest Charges
                                                        Equity Capital + Debt Capital             

Once you have computed the return On capital for atleast the past 5 years, the next question that would pop-up in your mind  is How much return on capital is good enough? My personal opinion is it should be something  at-least  5 -10% more than what the Bank Fixed deposits yield to justify the risk involved in Stock Investment.

So what are you waiting  for ?Start identifying the “Wonderful Companies” out there…to buy it or not though is altogether a different story