Death Records Now

Hi there,

Hope this article finds you in the best of health!!

Imagine – Your life!!!!

a)      When you get up in the morning, you have a person handing over a glass of your favorite healthy juice or lemon or peach tea

b)      Then you hit your private personalized gym

c)      Then you go for your bath with the Marks and Spencers range – Imagine – Peach bodywash with the afterlotion. The aroma is ummmmmmmmmmm.!!!

d)      Then you get ready for your office

e)      You have to choose from the best of collection of dresses in your wardrobe, best of purses, best of shoes / sandals!!!

f)        Choose the jewellery and watch as per the shades of your dress.

g)      Spray the bestest of perfumes – Woopie!!!

h)      Your Mercedes is waiting at the door of your Mansion (Your bungalow)

i)        Weekends are blocked either at the club or at a holiday destination.

How are you feeling now??? Amazing is it??? Is that your dream!!! Its actually mine and not just at night also during the day!!! It’s the way I want to see myself (On a secret day that’s marked in my diary!!) This really keeps me happy, energetic and motivated even when I see and hear news of economic crisis!!!

But I just can’t sit dreaming!!! Neither will my pay, earned during my lifetime, fetch me these luxuries, even if it’s the best in the industry!!

So then what do I do!!! While thinking on this, I went back to my childhood days and remembered the ant story that my darling Mom had told me before putting me to bed!!

The story is too long but the moral was the ant saves a bit during the summers so she has enough of stock of food during the winters which she then shares with other dying insects.

There I was!!! The idea stuck me like the first lightening thunder before the onset of monsoons!!

Immediately next day I got a very cute looking Piggy bank and made a resolution that I shall compromise on some of my comforts and deposit money everyday in it.

I started walking to college, bank, skipped munching ice-creams, chocolates, snacks, cut down on my shopping a bit – only the necessary items were bought!! The result – I saved an amazing 25,000 by the end of the year which I again recycled in the highest paying Banking scheme.

If I would save more one day, that week end I would treat myself with whatever I loved most – movies with friends, going out, my favorite perfume, an expensive beauty treatment!!!

As I grew older, I started my negotiations with my family – for every marketing every Saturday they were to pay me Rs 20 for the 2 way Rickshaw fare and Rs 30 for initiative to help them shop the veggies!!! I would walk one way and thereby put Rs 40 in my piggy bank!!

Next was shoe polish – for every pair – every day Rs 5 and so on………………

This was my second FD

As I matriculated my Dearest Dad gave me huge Rs 1,000 as pocket money. Believe me Rs 700-800 went to my bank account every month that too with decent spending on movies, roaming around eating junk but everything was calculative. Over spending at one end would mean stretching at some other luxury!!!

The result was through out my college years the tuitions fees, the books, my beauty treatments, weight maintenance programs, latest fashionable dresses, birthday parties, gifts, movies, picnics, everything was managed gracefully by my own self.

When I started earning, with my first salary I got my first LIC Jeevan Anand Policy (Insurance Policy) – which assures me of double return on maturity and one part after my death to my nominee.

As days passed by, I grew in the organization, got promotions, switched jobs; I started thinking harder to realize my dream. I started studying guaranteed assured returns options in the market. Though with a lower return as compared to shares and mutual funds, I always preferred a safer, secured bet and hence started investing every month in:

a)      Gold

b)      Public Provident Fund

c)      Recurring Deposit (RD with the Bank)

My favorite three tools are:

a)      My Investments worksheet which has a record of investments, lock in period, maturity, interest, due date, proposed plan after maturity

b)      My annual income, expenditure and tax planner

c)      My daily expenses records

These truly guide me to where I stand today (daily tracker), by the end of year (short term plans) and my total worth in terms of my investment (long terms Assets). Believe me, my Parents (who I call my “Angels”, my house is my “Heaven”) have taught me one important lesson, The more responsibility you take especially in your early ages, the more you will find people feeling happy and proud of you and willing to help you and thereby you earn the precious asset of your life, “respect for yourself”, people quoting “you are very matured and responsible”. Atleast my hemoglobin counts grows multiple times when I hear my parents telling me what someone just told them about me!!!

Today though I am not very wealthy but then a steady plan has helped me grow pretty well on my financial plans to achieve my Dream Lifestyle which I truly deserve. The best part of it is I have made that possible myself!!

Atleast I have series of examples of being self reliant, independent, well confident and capable of taking care of my own self and successfully managing life.

It gives me immense pleasure to state that at the age of 26, I have toured all of Incredible India even been to foreign locations like Singapore, Malaysia, Pattaya, Bangkok, Sri Lanka – Come on!!! Obviously this was from my Parents not out of my savings!!!

Over and above everything, the most important satisfaction of my life is the way my Angles think how matured & capable I am and their contented proud faces when I create my FDs, buy new policies and discuss with them my expenditure and income plans

Believe me there is no bigger happiness than discovering your own capabilities, managing successfully your own life your own way!!! Just makes you feel so good about everything and yet humble and thankful for God to dawn upon some wisdom on you!!

Every step however small leads you to big achievements. I am myself convinced and have practiced this big time!!!

Think about it!!!! Its really a great idea Dude!!!!

Happy Saving!!!!

Namita Vyavaharkar
http://www.articlesbase.com/self-improvement-articles/smart-ways-for-your-money-to-grow-733659.html

in people that see more turmoil happening in the world..
Like these current events:
AP and Reuters
Friday, 30 January 2009
Change font size: A | A | A-Economic crisis is growing, says Obama
President Barack Obama seized on to the latest dreary economic numbers today as a "continuing disaster" for American families..
The recession is deepening and the urgency of our economic crisis is growing," Obama told a gathering at the White House. "Yesterday we reached a new threshold: The highest number of Americans receiving unemployment benefits on record."
Alaska volcano ‘more energetic, eruption is imminent’ scientists say-NEW: "Volcanic tremor" increasing in "amplitude," observatory says
The 10,200-foot Mount Redoubt is about 100 miles southwest of Anchorage, Alaska.
POWER OUTAGES growing as people are freezing and dying. Need government help.
state is saying 607,000 customers have lost power,the number is closer to 650,000 because the state figure comes only from utilities it regulates.

When Hurricane Ike hit in September, 600,000 customers lost power. Melnykovych said the temperature was around 75 degrees and power outages "were more of an "inconvenience than a life threatening situation." Large numbers of people without water; state National Guard increasing ranks
Deaths Attributed to Australia’s Scorching Heat Wave
4.5-Magnitude Seattle Earthquake
Iceland Economy Ahead of Pack and Failing
UK on the Bring of financial collapse..

Just one of many trajic things people on the planet are dealing with and growing problems..With 6 billion people on the planet governements seem helpless to help so many billions in crisis.

Where do you see Society going? into Strength in GOD to endure all these things, or just perishing because they just feel humanity is hopeless?

I rely on God to give me my strength and then my family. I have prayed to God so many times for strength, even times when I really felt down and depressed. There have been some times, that I think I would have gone to a mental hospital if it weren’t for my prayers.

If people open their hearts to God, He will help those who ask.