Squirrel service (ಅಳಿಲು ಸೇವೆ) in the information age 😊

"That which cannot be built overnight has to be nurtured over the period of time!" Of course, I am not teaching you any philosophy class here, haha 😁 but the point that I am making is the fundamental principle with which I am leading my life. I hope by now you may have read my bio and it highlights that I spend a significant amount of my time learning, experimenting, and implementing in areas such as health , building skills , and financial literacy . I am sure now most of you agree with what I am trying to convey. Yes, that's right! Basic essentials in life such as good health , strong skillsets and financial literacy does not grow overnight instead at least a small contribution should be made on an everyday basis, which in other words, need time, discipline, persistence, and consistency to achieve it. The greatest proverb of all time is "health is wealth" and is/was a mantra of every school-going child. But if you closely take a moment to understand that th...

Masters Abroad!!! sounds awesome, isn't it? Well, it is for some extent, but it takes huge man-hours and effort to actually get there. The process takes place in major three steps: Phase –1: primary preparation starts with selecting the master's program and country, entrance exam/language test, application writing, funding (about 6 to 12 months). Phase –2: it's the period where you actually go and get introduced to new country, people, culture, weather, language, food, and most importantly education system (about 2 years/depends on your study program). Phase –3: lastly, the most important aspect of all, landing a job (about 6 to 12 months). As I have personally gone through the above process by myself I feel very glad to share my personal experience and also include other information gathered through the years from my fellow mates. To begin with, you should probably ask one of the toughest questions to yourself before beginning the preparation journey. i.e., why higher ...

      Finally coming to the last and most important part of the series of 'Personal Finance Management' is the process of opening a trading and bond investment account, gathering insights about companies and mutual fund schemes, my source of learning, and important calculators. Among the list of brokers in India, my family and I actively use Zerodha's platform for trading stocks and buying mutual funds. Hence, I wholeheartedly recommend their platform because of two main reasons: user-friendly and transparency. Opening trading account:- https://zerodha.com/?c=SW4068 Prerequisites: KYC documents (Aadhar card, PAN card), bank account, mobile number, email address. I also liked the bond investment firm backed by Zerodha, named GoldenPi and Went Wealth . Prerequisites: KYC documents (Aadhar card, PAN card), bank account, mobile number, email address. Get insights about companies and mutual fund schemes:- 1.    Tickertape:        h...

I am pretty sure most of you might wonder how one can build his wealth? How to increase the mainstream of income? How to invest in different financial instruments? Well, I will try to answer your questions here in this post. As mentioned in the previous blog post 'Personal Finance Management (Part - 1)' the main key objectives of saving and investing is: Save for the rainy day. Beat the inflation. To experience the power of compounding. Before understanding saving and investing, one needs to know about his psychology towards money. We humans naturally tend to express fear and greediness every occasion we come across a new financial instrument. Hence, it is good practice to understand us better before we start our investment journey. Ultimately it is not the one who has the higher money who sustains the game but the person who could control his emotions will be the actual winner. As mentioned in my earlier post before picking any financial instrument it is the trade-off betwee...