What are your Millions Worth?

Sure, today they’re worth…

…millions.

Nobody’s taking that away from you.

However, tomorrow is a different story.

What will be the shape of your wealth in the far future?

In what form will it be stored?

Identify that now.

Why?

Because you can start pickling away in that form, little by little, right away.

Moving a chunk in one shot is tricky.

You don’t do it unless you’re absolutely sure.

You don’t bet the farm – on anything – period.

You need to move things quantum by quantum, over decades perhaps.

Final destination needs to tally with your risk-profile.

If it doesn’t, you’ll end up being jumpy and uncomfortable, and you’ll make a mistake.

When it’s about your life-savings, there’s no margin for error.

Why has one taken such a large chunk of time into the equation?

You see, when time is expanded long enough, difficult problems becomes easy to solve, because one ends up actually taking time (read pressure) out of the equation. Time is quasi infinite, so one doesn’t worry about it anymore. One has TIME to think things over and decide at leisure.

Also, over the course of a large chunk of time, you might realize that your risk-profile has changed, and that you are not comfortable with the final destination anymore.

That’s fine.

Change the final destination.

You define the rules, remember.

The bottom-line is that in whatever shape and form your wealth is stored in the end, that shape and form needs to address everything you wish that wealth to do and be.

There’s a lot of thinking that needs to go into this.

Do that thinking now.

It pays to be financially literate.

Nobody really teaches you financial literacy in school or college. Bookish knowledge is not financial literacy. Field knowledge is.

You’ve got two options.

Get financially literate on your own by playing the field, making mistakes, and learning, or…

…find someone who is already financially literate, and learn from him or her, from his or her mistakes.

Whatever you do…

…do it now…

…to ensure that your wealth not only remains intact…

…but also continues to grow.

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It Boils Down to Good Governance 

India’s at the Olympics and all. 

We’ve had near misses. 

Sure. 

Athletes qualified fair and square. 

Not a word against India’s squad. 

They’re really trying very hard. One of our gymnasts has even risked her life by vaulting a successful Produnova. Rio-presence is achievement-based, not nepotism-based. It’s tough. It’s incorruptibly monitored. Footfall is highest ever. Indians have made the international cut in many events, like never before. Finishes are all decent. A few finishes are very, very decent, missing the podium by decimals. Our athletes deserve some podium finishes. 

However, what are 80 Indian officials doing in Rio, accompanying a squad of 119? Only a few of these 80 are allowed arena access. The rest are what? Long live the exchequer? We build up the exchequer by paying our taxes. We’d like to see its contents used judiciously. 

Let’s cast a glance at how our officials are conducting themselves at Rio. Actually, we’ll leave it at the official warning they’ve just received to behave themselves. SHAME SHAME. 

Is this good governance? 

NO. 

Do our officials deserve a podium finish?  

No. 

We’ll have to spend where it counts, on facilities, proper diets and trained physios. We’ll have to save on useless paraphernalia. Red-tape be damned. We’ll have to embrace good governance. We do want podium finishes, don’t we?

One looks up to one’s peers. If they’re corrupt, out of shape and / or out of whack, even the best athlete suffers a psychological downer. Our officials will need to trim down and get their acts together. All of them will need to behave like exemplary ambassadors of the country. They will need to give their wards that psychological boost. Coaches will themselves need to be in shape, to set good examples. Podium finishes will then be around the corner. 

Cut to stock-selection. 

The biggest and first thing to look for is good governance. 

Just cut all the nonsense out of the way, first up, because where you find good governance, you won’t find nonsense. 

It all boils down to good governance. 

The Thing with Focus

Depth. 

Confidence. 

Proper entry. 

Decent exit, if required. 

Understanding. 

Lack of panic. 

Overall picture. 

These are some of the things that focus is capable of giving. 

Swagger? 

One-basket attitude. 

Over-depth. 

Narrow-mindedness. 

Loss of overall picture due to over-chewing one subject. 

Robotic mindset leading to freeze. 

Yeah, these too. Within the capabilities of focus. 

We want the former qualities. 

We’re discarding the latter ones. If they come knocking at our doorstep, we’re shooing them away. 

We spoke about diversified focus. 

Whatever we do in life, let’s do it well. 

We’ll have our many baskets. Why should we take the risk of having just one basket? 

And, into our many baskets, we’ll delve deep-deep-deep. 

Period. 

Pioneering One o One

Sure, who am I to write about this?

Valid question.

However, I don’t really care.

I’ve got something to say.

And I’m saying it.

If you’re still wondering about the validity, well, I’m treading two paths where the textbooks say only so much. After the textbooks have signed off, I’m pretty much left groping in the dark. Whether or not I come up with something big, that time will tell. Meanwhile, here are some comments from along the path.

It’s lonely.

I walk alone.

I listen to no one.

That’s the price of it all.

That’s ok.

I don’t mind walking alone.

Challenge of the path keeps me awake, alert and alive.

There are chances I’ll die out in oblivion, without having found anything significant.

That’s also the big risk of pioneering.

Without taking this risk, I won’t be able to tread the path.

Yeah, it’s fine.

This is the extra mile.

It will cause one to stretch extra.

Some feel life’s boring without such a challenge.

At times one gets disheartened.

Strategies don’t pan out.

Systems fail.

Map isn’t being charted.

One is getting nowhere.

This happens many times.

At such times one wishes one were doing something else.

Yeah, only human.

Wanting to be super-human?

Why not?

Is it a crime?

At times one can forget one’s responsibilities.

Then it’s a crime.

Coming back to zero is required then.

Hubris.

Highly avoid.

Sure, you’ll eventually become great, a pioneer and all. Hubris will bring you down.

Remember Sir Isaac Newton investing twenty thousand pounds in a company at its peak, just before the company went bust…? He went around having a law passed that no one was allowed to utter the name of this company in his presence.

Grounded.

Stay grounded.

Works best.

That’ll keep you focused.

Go, Pioneer.

‘Sup Mr. Laptop

Yeah, where are you, Mr. Laptop?

Is this goodbye?

Singing your swan-song?

What’s happening?

You were heavy. 

Competition got lighter. 

You reduced. 

Did you reduce enough? Dunno. 

Along came apps. 

Most didn’t have a version for you. 

They did for your competition. 

People loved apps. 

One button-touch, and one was in the midst of everything. No hassles. You lacked that extra comfort. 

Along came the Cloud. 

Took away your storage-advantage. 

Along came tablets, smartphones, connectivity, and internet speed. 

Have these taken whatever remained?

Are you going to survive?

Where do you fit in?

The mouse, you say?

Technical work?

Complexities?

Proprietary software?

You’ve got a long list which you’ve prepared, I can see that. 

Okay. 

Stop. 

Put that list in your pocket. 

Close your eyes. 

Smell the coffee. 

What kind of a world do we live in?

Who succeeds?

What lives on?

Inclusion?

Or exclusion?

Inclusion. Decisively. Inclusive ventures scale mountains. Ventures that exclude, well, masses don’t care for them eventually. 

So, firsly, swallow all that proprietary talk. It’s not going to work. 

Then up, are you increasing convenience? Or, is your competition increasing it more? Vital question. It’s answer will decide who shall survive and become undisputed king.

Now comes the last question. 

It’s also a little heavy.

You might not like it. 

Nevertheless, here goes. 

Is there use for you anymore?

There. I said it. 

Hmmmm. 

In some areas, I guess, but we’ll again be going down the proprietary lane, which actually doesn’t cut it anymore. Not going down that lane. I think that might also answer your question. 

What remains?

Reinvention. 

Merge with your competition. 

Become a staunch part of the tablet, to save yourself from extinction. 

I think you’ve already started gong down that road. Yeah, only way out. And it’s a good one. It is highly successful. The lightness, portability and convenience of a tablet, coupled with storage and keyboard-ability with only 10-15% size and weight increase. Sounds amazing. 

Go for it!

Steps are the New Currency

Walking walking walking…

… steps.

We’re logging them.

We’re thinking more about them than dollars, pounds, euros or rupees.

How many steps’ve you done today?

And who’s we?

We’s a collective. People who’ve gotten financial basics sorted, but perhaps not health basics. However these people have realized that. Smart.

Why smart?

Simple.

To enjoy one’s financial basics, one’s health basics need to be in place.

Place health before wealth, and you enjoy your wealth.

No health, but wealth, well, then you don’t enjoy your wealth.

We’re also in it for quality of life, right?

Therefore, yeah, treat steps as a very valid currency that gives you the ticket to enjoy other physical currencies and their benefits.

Logged 10k for the day yet? Or 15k?

Yeah? Super.

No? Why not? What are you waiting for? Step up, buddy!

Shooting Straight, Shooting Right – Finding One’s Structures.

What are the right shots?

Who calls them?

Who doesn’t call them?

How many wrong shots? Before a right shot?

Why this discussion?

Yeah, I ask a lot of questions. I’ve become oblivious to the pain connected to the world finding out my exact level of silliness.

Yeah, I don’t keep my silliness under wraps. I’M NOT EMBARRASSED ABOUT MY SILLINESS. If you are, about yours, you are doing something grossly… WRONG. You are going to have huge problems finding what works for you. Reason – you’re not getting it out of your system – oh it’s so embarrassing, oh it looks so silly, oh it’s awkward…well stay where you are then, NOBODY is sorry for you. 

I’m silly, them a little more, then maximum, till I’m not silly anymore, for a while. That’s when right shots happen.

What are we talking about?

Life is about taking pot-shots at something or the other. Yeah, ultimately, it boils down to that. You take a shot – at something. If you don’t, you are just left twiddling your thumbs, and life passes you by. 

Once, me and my brother were fighting. We were kids. My grandfather heard the commotion, and stopped us. He just had one thing to say – and he said so much with that one sentence. He said that 100 years – they just pass you by in a flash. So stop fighting. Try and enjoy your togetherness. Whoaahhhh!!!

We’re not going to let life pass us by just like that. We’re going to first call the right shots, and then take them. 

Right shots don’t just happen. 

Before something fits, many things don’t. 

You just have to keep on taking shots. 

Forget about disappointment, embarrassment, awkwardness, silliness, what have you. 

Keep on taking…shots. 

On and on. 

Something will fit. 

Wait for it. 

It feels right. 

Build up on it. Copiously. 

You’ve been groping in the dark, and have found something that works for you. Don’t let it go. Build on it. Till you can’t anymore. Let the structure stand. Let the structure be there for you, forever. 

Then, look for your next structure.