What for am I living???…Because I am loving it….

Long back I was attending a seminar on Stress management where one of the speakers asked a straight question to the audience ‘What is the reason for their wanting to live more; to have a long life?’ As expected, the standard response which came from the participants was that they had many responsibilities (parents, children, spouse) which they had to fulfill hence they wanted to live long enough to meet the aspirations of their near and dear ones. There were some others who wanted to live cause they wanted to taste success, achieve their set aims. 

enjoy life

Continue reading “What for am I living???…Because I am loving it….”

Do not take life for granted…..

ewf 01 apr b - Copy

We always take things for granted. As a child we get used to things being provisioned by parents, at times even before we demand it. Most of us have grown in the protective environment with everything being taken care by parents. As we grow up we take our life partners our jobs for granted. We get used to a way of life, both personal and professional, and take it for granted that life will always go on same way. 

This is truer for the married ladies who become overtly dependent on their husbands for all their need specially, financial. In Indian subcontinent, most married ladies prefer to be home makers and hardly take interest in the financial management, even the husbands falter and fail to educate the ladies in this aspect. The ladies are not aware of the investments, loans repayment, bank nominations, insurances, property related documents. These are all managed by the husbands. Most of us fail to make and register a ‘WILL’. God forbid, if life takes an unfortunate turn and the husband suddenly passes away the entire family suffers for no fault of theirs. Pain of loss of a husband/ son/ parent can be further compounded if the financial/ insurance / property documents have not been managed well. 

The common mistakes which normally most people do are failure to open joint bank accounts or earmarking a nominee authorised to operate the account in the event of death of the main account holder. 

The wife/ parents are not aware of the loans taken. Most of us do the mistake of not insuring the home loans, as it increases the value of monthly instalments. If the loan is insured then in the unfortunate event of passing away of the payee the insurance company repays the entire balance amount and the family doesn’t suffer. 

The property is registered only in the name of one person and with his passing away the legal hassles of taking over the property starts for the wife/ family. It’s better to have a joint registration of the property to avoid any legal hassles or have a registered ‘WILL” nominating the person to whom the property will pass on. 

There is hardly anyone who prepares and registers a proper ‘WILL”. WILL is not talked about or discussed in the Indian families as it relates to death and division of property. Wisdom lies in preparing a detailed WILL and registering it. This will save the survivors from legal hassles and financial loss. 

Common things like Digital locker/ Internet banking passwords are lot known to the survivors and does take a prolonged exercise to hold of the new passwords and bank account operating rights. Prudence is in maintaining a physical record of all passwords and user names in a diary, not just on the laptop. 

All financial documents should be kept safely and the spouse/ parents should be aware of it. If possible, make two copies and keep at two different places just to cater for accidents. Record to be kept securely online also and in digital locker. 

Home makers should be educationally/ professionally qualified to take on the mantle of the ‘Bread winner’ when the need arises. Ability to drive a vehicle is a must. 

What I have discussed above is the worst which one can go through in life. People go wrong even in basics, just don’t plan or visualise the future before taking a plunge. You will see numerous cases of newly wed couples trying to settle down in life as early as possible. They get themselves overburdened with loans in the quest to acquire luxuries of life and a sweet home. Banks happily disburse loans based on the present income of the couple. Caution is thrown to the winds while taking loans and people fail to visualise the scenario that will happen if for some reason the job is terminated. No job is guaranteed in private sector. This has happened in many families with jobs getting terminated at short notices, business failing and then they have no way of re-payment of big loans they had taken and lose out on whatever they had acquired. More importantly they end up losing peace of mind. Patience, planning, visualisation, bit of caution is must in life; nothing happens overnight. 

“Life takes unexpected turns, enjoy it as long as you can but be always prepared to face any unfortunate eventuality. Strengthen your shoulders when you have the time, you won’t have to look for outside support even in the worst contingency”

 

 

 

What is your net worth???

health-f1

I felt a bit of irritation in my left eye last Saturday and attributed it to maybe a dust particle, however, by Sunday morning the irritation had turned into a real pain and the complete eye had turned red. 

A visit to the doctor revealed swelling in the tissue which required a treatment for about a week to recover fully, during which the vision also remained a bit blurred. 

This is how life goes on, so unpredictable, you are fit and healthy one day and within next 24 hours you may be diagnosed with the worst of the disease or meet with an unfortunate accident. As long as you are fit and healthy you can achieve anything, you are worth your weight in Gold, as it is said. You can do whatever you want, work 24 X 7 and earn as much as you want. You may feel that the entire world is at your feet or eating out of your hands. But, God forbid, the day you are diagnosed with any serious disease or meet with a serious accident, the whole world comes crashing down. You feel helpless, all your wealth is worth nothing if you can’t be cured. 

It’s health which matters most and also neglected the most. In the pursuit of our dreams and most of the time in sheer quest of making money we neglect health, no physical workouts, improper diet plan. By the time you realise it may be too late. Whatever aim you have in life, remember it can be seldom achieved without the support of good health. Take care of the health, not just physical but mental health too. Take regular breaks to unwind and rejuvenate. Jog, walk, join a gymnasium or swim, do whatever you can, it will matter in the long run. 

“Your true net worth cannot be measured by your wealth or property, it is actually reflected by your health. If you are not healthy, money doesn’t matter, if you are healthy no one can stop you from achieving whatever you have set your mind on”

 

 

 

 

 

 

 

 

 

 

 

Life is fun when husband and wife are best of friends…..

friends

I am a firm believer that friendship provides a sound base to any relationship. During our journey of life, we meet numerous people, most remain acquaintances, very few actually manage to make place in your heart. Same is true of our own ability of making a place in anyone’s heart.  

Siblings are the first friends we get and then are the parents (Not everyone is lucky to have parents who act as friends). As we move on classmates, neighbours, colleagues join the list of friends and then is the long list of friends on social networks. Whatever, relation you share with anyone, you will only share your personal problems/ thoughts only if you consider him/ her your true friend. Your list of acquaintances may be very long but when you start looking for a shoulder to cry the list shrinks to just one or two people. 

Friendship is based on trust, understanding, love and mutual respect. 

Is your spouse on the list of your close friends? Is she/ he your bestie? Won’t you like someone you have chosen to spend your life with, to be your best friend? Not everyone is lucky to marry his/ her best friend but once married the relationship will foster well if friendship develops. There should never be formalities between husband and wife. If the communication between spouses is not frank and open than the relationship is going down the hill. The relationship husband and wife share has a direct effect on the children. Children growing in friendly atmosphere will always imbibe better values. The child will approach any of the parent with an open mind whenever he is in a problem. Friends will always sort out their differences through conversation. They understand each other’s strengths and weaknesses which help in resolving any issue. The earliest you develop friendship with your spouse the better it will be for married life. No one can match the support that your spouse can give you selflessly. 

“The main reason for developing strain in any relation (specially marriage) is never lack of love, it is generally lack of friendship”

 

 

What’s in a cup of tea???

tea new

Tea is an intricate part of our lives.  Part of all our rituals, functions, office conferences. From early morning till you hit the bed at night, tea fills the day in its many flavours. Some can’t leave the bed in the morning without a cup of tea, for some it is the instant medication for headache or works a stress buster. It serves as a stimulant for some, igniting their mental faculty when required the most; during decision making. Tea is not bound by region, season or religion. “It is loved in all regions of the world and consumed in all seasons and weather conditions. It will be not wrong to say that Tea is one common factor which binds the world”. Friendships, relationships flourish as meetings take place over cup of tea. 

There are so many flavours and styles brewing that what one likes may not be someone else’s cup of tea. Everyone has their own favourite type (black, green, with milk, peppermint, spicy and so on) and like it brewed in their own way. A cup of tea can make or mar the mood. The aroma released as hot water is poured over tea leaves is just awesome. The aroma itself refreshes the mood and sets the mind on fire. 

I have been a fan of tea since a very young age. During initial years of life, I preferred tea mixed with milk. I have had the good fortune of travelling through best of the tea gardens located in the North East and southern regions of the country. The variety available is mind boggling. After trying different flavours, I finally decided that black was my cup of tea. 

After a long period of hit and trial I found my perfect cup of tea. Hot water (not boiling) poured over tea leaves (tea bag) and let it brew for two minutes. I do not like my tea too hot or warm. Just about hot tastes the best for me, so I let it rest in the cup for about five minutes before taking a sip. Crockery also plays a major role in making the tea good or bad. Porcelain is the best for me, preferring a colourful stylish cup in the morning to elegant white (maybe gold rimmed) in the office. Earthenware adds its own aroma to tea. 

My day starts and ends with a cup of black tea. A hot cup of tea before hitting the bed releases all the stress accumulated over the day. It certainly works for me. 

“Friends, to enjoy tea, brew it your own way, do not leave it to others (whenever you can help it)”