Making a Money Machine

Make A Money Machine

The problem with a job, profession or a small scale business is that, it will generate returns as long as we work on it. The day we devote less time on this job, profession or small business, it suffers.

The best way out of this is to make your money work even when you sleep. Make a money machine, from which money comes out all the time and the machine keeps growing.

There was a small businessman who was in the business of teaching a special techniques of Graphology (the art of analyzing handwriting). Many students who came to learn this art from him were not only from the city where he stayed but also from other cities. As the popularity kept growing the businessman/teacher started visiting various other cities to conduct graphology sessions and programs. After the programs were concluded, he didn’t leave the cities immediately, but stayed back and taught the special techniques to a few people whom he had already identified as likely future Graphologists who would be able to conduct sessions themselves after some further training. Mostly, these were his former pupils. Within a few years the business had expanded and he had created a franchisee of trainers in over 10 cities in India. In all these cities regular programs were organized and conducted. He thus created value for people who became trainers. He created value for students who then conducted sessions themselves. He created a business model where he was earning even without his presence there.

In short, he created a money machine for himself.

Investments: People also can create a money machine by making the money work for itself. Invest in financial instruments and assets which create income by generating returns.

Creating a money machine relieves you from being present at the work place. The machine works for you. It generates income/money even when you sleep, even when you are not present and even when you are not alive.

So create a money machine for yourself.


Short Cut

Short Cut:

There are two way of learning one is the short cut way and other is the long cut way. The basic difference is in the way of learning and moving forward. The short cut way you just to follow the expert. The other way is long cut way where the person experiences everything on his own and attain the truth and the facts. Both are good but people still follow the long cut way even though its difficult and long.

Long time ago in Sri lanka lived a Buddhist Monk when he got old almost ninety years of age. He announced to all his disciples that he will die tomorrow and asked them to come. All disciples came. Then the monk asked, who want to know the truth and experience the truth for which you all are here. Everyone answered yes. Then the monk told then who is willing to come with me. No one stood up. One monk raised his hand to ask what if he still do not get the truth. The master told it is certain to get the truth but you need to come with me. This hand also went down.

The master died and no one stood with him. In life we all are used to take long cuts and not follow the master . Its good to experience and know the truth and become an expert. But if there is a provision of knowing the things or consulting the matter with an expert , one must take advise . We all are in a habit of taking long cuts in a way and want to do everything on our own. We want to become a doctor, lawyer, designer, entertainer, advisor and expert of a field which we may not be. If every one only concentrate on what they are good at and become dependent on the expert the world will become a better place and every one will have work and best things will be provided to every one.

Its bad to be self depended. Most of us want to become self depended . But the fact is when you become depended, you only do what you are best at and you take service of the people who are good at something else. This way every one I doing their  best and finally every one gets the best. Imagine everyone is making the cloths they will wear or everyone is making the shoes they need to were. The whole productive time will go in making things for self only. The best in you will never come out.

But in order to make the world and business better one must ensure that is depended on some expert for the faster progress.   So appoint an expert and seek help . When the short cut is available one should avail it. Otherwise to get the desired result one may take many years .


Re Invest


Re investing is the key to financial success. Most of the time people invest and when the goal is achieved or the returns are generated, the extra amount is used or consumed.

Consumption of the returns on investment is good. That is the very purpose of investing.

But research shows that when the returns generated are re-invested or ploughed in the same business, the magic of the power of compounding is experienced.

The Ambani Brothers illustrate this beautifully. One who continuously keeps re-investing into his existing business or on new business, has grown a hundred fold in the last few years. On the other hand, the other has somehow not been able to re-invest. He also is not able to retain his experienced existing manpower.

The worst thing which one can do to his business is not re-investing and not taking care of his existing employees.

In order to achieve financial success re-investing is the key. In the long run re-investment works wonders and generate the ripple effect. The returns can be mind blowing.

Example: Fund A: Dividend payout option vs. Fund B: Dividend Re-investment option Its not about dividend but its about investment. If the dividend is used for the consumption then it’s a reason to take it. If the dividend it taken to book profit then also its fine. But if it is taken out without any reason , then its like spending . this can never grow. In mutual fund if one opts for dividend pay out option one must see how it is reinvested in other asset class. If not then it need to be invested. Long term compounding will only work and be visible only when it is re invested.

I have seen many tea garden owners in Bengal and Assam , they have made lot of money but rarely invest . This become the reason of failure . Many financial advisors also don’t invest in themselves and stop learning. This also is a major reason for the u turn in the life of the financial advisor Learning and reinvesting is a continuous processes .



Initially I was urged by my younger son Hirav to sit and play with colours. He insisted and I accompanied him to sit next to him to do some colours work .

After putting some colour on the paper . I thought of a name to the art work I did.

“Love of a father “. There is so much which goes around every minute and day . Love for a son/ daughter is immortal . Father is the only person who gets happy with the progress of his child . With the progress of one person some one gets jealous . But there is this father who is happy even after the child overtake all that is achieved by a father .


Later I shared the pic in some what’s app gr to see what my friends and relatives think and name it . To my surprise I received loads of names and theme for the art work I did. Some were as follows –

a corona hideout,

RAINBOW — Seven Colours of Life,

circle of life,


Time Pass,

Dream to target bull’s eye,

Ye to koi Chakraviyuh lag raha hai, easy to get in impossible to come out,

yeh to abhinanyu ka chakravyu sa lag raha hei,

This is actually Stay at home,

No way to go out. Virus all around. So stay safe & stay at home till this virus does nt says goodbyeeeeee,

It’s human brain, so many things in it, it’s shows emotion, felling, anger happiness, query etc etc,

Maslow’s theory of motivation,


Its human life…jo itna mess bana diya hai human ne apne karma se ki now he doesn’t hv any way to go out…he is imprisoned,

I have kept myself surrounded by.namokar mantra …..spread colors thru mind and devotion….no virus can impact me and my family…..the dark patches are virus and trying to enter….but until Blue…..greenery all around stopped them,

Chakras of our body,

Chakravyuh where we enter unknowingly but have no idea how to get out of it,

hit at centre to prevent Carona,

Corona chakravyuh me fas gaya😊,

Pehle Lal milega but ant mein GREEN hi milega- Lage Raho,

Focus on your goals. Do not get distracted on your way,



A mix of different colours is what makes it look beautiful.. so the title “Diversification”

Time to arrange of spilled rayta in one’s life in proper order so that all the areas like personal, professional, social pie comes in order and u yourself become in order & properly focused toward your goals,

Focus Matrix,

Achievement Matrix,

Achievement can’t be achieved without Focus as there is lot of distraction arround..

Corona ki colourful aankh👁️

Bulls eye- there might be distractions but focus leads to success.

All these are so thoughtful and has emerged out of nothingness.

I really appreciate that each one of you who wrote something about the painting is creative . Rest who did not write are also creative because they also had thoughts when they saw .

Originally it was “ nothing” And from that nothingness emerged all the thoughts and creativity . This shows how creative we all are and can create so much out of nothingness. The key is to come to a state of nothingness now and the best will be revealed .

#staysafe #stayhappy

Significance of Holi with investments

Holi – Hiranyakashyap the Daitya King was blessed with a son named Praladh who turned out to be Lord Vishnu’s devotee. Hiranyakashyap (demon King ) considered Devas and specially Vishnu his enemy . The demon king tried all means to kill his son . As the story goes the demon kings sister Holika was blessed not to be harmed by fire . So she proposed to sit with Praladh inside the fire so that Praladh is killed and she come out of fire after Praladh is burned . But the reverse happened and Praladh came out alive and Holika died . We celebrate Holika Dahan every year to celebrate victory of Right over wrong.

Second message from the festival of Holi is to do right . As the story goes further praladh continued to worship Lord Vishnu and mentions that every thing and everywhere is Vishnu . Vishnu ( God) will do all right . Hiranyakashyap was given a boon where he can’t be killed by a human being not an animal , he cannot be killed inside the house or even outside the house . He cannot be killed during the day or even during the night . Nor can any ammunition kill him . When the father Hiranyakashyap asked son praladh about the existence of God in the pillar . Praladh agreed . With a punch he crashed the pillar . And came out Lord Narashing ( Vishnu avatar) who was half man and half Lion . He pulled Demon King Hiranyakashap and took him on his lap on a window (which is not inside the house nor outside the house ). Its about sun set time ,so it was nor day nor night . He killed the demon king with his claws . The story signifies the victim right over wrong by doing Right

Third message from the festival of Holi is about Equality for all – When everyone play Holi with colour and get same color face . Everyone looks same. The idea is to look same and equal for all .

Fourth Message is about Relationship of Faith matters. If you trust and have faith in something it will happen . The best example of faith is in the story of Praladh . He had full faith in his Lord after all odds .

Fifth message of the festival is to Love all Playing with colours and sharing sweets with even Unknown is all about love . Songs and the feeling of oneness significance love for all.

Sixth message of the festival is to forgive all . When we play Holi and forcefully put colours on someone . The idea is to shower love and forgive everyone even the enemies .

Seventh reason is Cleansing all . After Holi we clean the house , place and our body . We even give away the old cloths . Significance is unless we clean and create space for new the new will not come.

The eights significance is Togetherness. Stories of Krishna plying Holi Of flowers with everyone signifies togetherness . Any festival means togetherness . But Holi signifies this at a different level.

When it comes to derive learning from the festival of Holi in wealth management . We can connect with all the above points for investments also .

1. Do right by investing for yourself for your golden days – Retirement

2. There will be victory of right over wrong and for a disciplined investor will reach his desired goals.

3. Equality . We should give equal emphasis on all important goals and not ignore some . Second we should have Asset Allocation . Equal importance to all asset class Equity ,Debt , Gold, Property and self ( investing on self is like investing on human asset)

4. If you have faith you will reach the desired goal in life

5. Love all . If the love is high your attitude to save for the loved one will be high.

6. Forgive yourself or any action which proves to be incorrect . There are some decision we make may be wrong . But life should go on and move forward . There is a new possibility for sure .

7. Cleansing – from time to time eliminate the non performing asset and ReBalance the assets allocation . Taking right advice from your Volatility coach is very important for regular review.

8. Last but not the least is togetherness . We all live in a society where we all are dependent on each other . It’s not an island where you are alone . Do only the activity you are best at and rest get it done by an expert . Togetherness will ensure better return and better movement in life .

With lots of colours in life best of the things color your life .


Note – the above pic is not our creation and is taken from Google Serch

Shiva Family- Prefect Example of Asset Allocation and Rebalancing

An example of perfect asset allocation – Shiva Family ReBalance Strategy example


Shiva,s vehicle is Nandi ( the bull). His wife Parwati’s vehicle is Lion. Son Ganesh’s vehicle is Rat and Kartik’s vehicle is Peacock . More over there is a Snake with Lord Shiva also. What is the significance of all this with wealth Management.

If we consider each vehicle as a different asset class. We will observe that each animal is a different asset class in itself. Also one is the enemy of the other animal in normal life.  To explain the same we can see that the lion kills the Bull to fulfil the hunger. The snake kills the rat and the peacock kills the snake. Non of the animal is in harmony and are food for some one else. But very interestingly they live very happily at Kailash as a family of Lord Shiva.

If we assume some asset class like Equity as Lion, Debt as Bull, Real Estate as Peacock, Bullions as Rat, Currency,(or  Art and antiques) as Snake.

Each one is powerful and independent in its own way.

Another important aspect of the place Kailash is everything is snow covered here. Which signifies two things- one is that there is nothing to grow, no food etc at Kailash. And second is that there is no hunger and desire in anyone living here. And this is the reason all animals living here do not harm each other. Since there is no hunger and therefor no one disturbs anyone.

This whole place can be considered as a portfolio of wealth. The portfolio is like kailash where nothing is grown, one has to bring in the animals like the different asset class. If our portfolio is like any other place other than Kailash then each asset class will become its enemy. But if we can create a portfolio place is like kailash then there is no enemy and only harmony will persists.

Lion is aggressive like the equity as an asset class. The Bull is timid and slow comparatively like debt and is scared of the lion. At kailash the lion will never harm he bull. Outside Kailash if a lion see the bull it will just kill the same . Its only at Kailash they live together but controlled .

We need to ensure that our portfolio is like Kailash and all the asset class is managed here. We need to have all asset classes in our portfolio in full harmony. This will ensure full protection and perfect balance of the asset classes . If the lion is left without control it will kill the bull. If the equity is not controlled it will kill all the debt which was accumulated over a period of time. If its only debt then it will eat all the green around. In normal if someone is only investing in debt fund then the inflation will take over and all the greenery will be vanished. Rat can be killed by the snake and snake can be killed by the Peacock . Rat( Bullions) can be overshadowed by Peacock ( Real estate) and Real Estate returns can be over shadowed by Currency returns. Now one has to understand the harmony of the Land and ensure the peace of the place where all the asset classes live in harmony.

Keep rebalancing and asset allocation is the key. When done properly . there is a perfect harmony in a portfolio. We should have all the different asset classes in a portfolio. This will keep the balance of the portfolio and ensure proper growth. Invest in all asset classes in a proportion and one must not allow one asset class to over take other. This may create disproportion . Some time it is observed that people have 80% portfolio of real estate only . For some it is 80-90% Debt only. Which means all the investment is in FD, PPF, Post Office and Insurance only. This disproportion is not the way things should move.

Make a portfolio with all the asset classes and to do this one must take advice of a Volatility Coach or a financial Advisor to guide him or her in the journey of life.



Note- the image of Shiva Family is is taken from Google and the link details can be seen with the click of the picture.


*Some thoughts to Ponder on Bhakti ( worship)…*

_When Bhakti enters Food,_

*Food becomes Prasad…*

_When Bhakti enters Hunger,_

*Hunger becomes a Fast…*

_When Bhakti enters Water,_

*Water becomes Amrit…*

_When Bhakti enters Travel,_

*Travel becomes a Pilgrimage…*

_When Bhakti enters Music ,_

*Music becomes Kirtan…*

_When Bhakti enters a House,_

*House becomes a Temple…*

_When Bhakti enters Actions,_

*Actions become Seva…*

_When Bhakti enters Work,_

*Work becomes Karma…*

_When Bhakti enters a Man,_

*Man becomes Human…*

_When Bhakti enters WhatsApp_

*Morning message becomes Wisdom..*

When Bhakti enters Investments- *Investment becomes Dhan Vridhi *

When Bhakti enters Life –

*Life becomes Love ,Light & Power Ki Shakti *


Mindset lesson

A mInd set lesson on someone who get wealthy over night and has not acquired adequate financial literacy .

A rat swallowed a diamond and the owner of the diamond contracted a man to kill the rat.

When the rat hunter arrived to kill the rat there were more than a thousand rats bunched up all together and one sitting by itself away from the pack.

He spotted and killed the one sitting by itself and to the owners surprise, that was the exact one that had swallowed the diamond!

The amazed diamond owner asked: “How did you know it was that rat?”

He responded: “Very easy,

*When idiots get rich, they don’t mix with others!!!”*


Without wisdom and financial

literacy even if the wealth received by a win fall gain also will not be retained .


Are you living your passion

Are you living your passion !

Most of the time when ask our own self about what is that we are passionate about and what are we doing about the same. Our answer is “nothing as such “. Here is the difference.

On my trip to Dawki lake In Meghalaya I meet three interesting people. The story can inspire many of us to really look for the passion in us and start reworking on the same.

1st Person is a 24 year old software engineer from Ponditury in Tamil Nadu. His name is Selva. He is on a cycle and is travelling to Dawki. He is just moves around on cycle ,put up a tent (as in picture below ). Where ever he visit he writes blogs and. Get paid around Rs 6000/- per blog .Making money is not important for him. He is doing this for last 2months.

Second boy is from Kerela Triture and was a management student . His name is Justin He is travelling north east on a cycle for last 5 months. Also put up a tent at any place where he want to stay for a night. When he need money he work with locals on boats or some help work. He get paid or food this way. He also visit local church to stay and for food some time when he need that . Travel is his passion again and this means a lot to him.

Third person is also very interesting. He is from Pune and is in a car travelling Himalayas and both east as a traveller in car only. His name is Rohit and for last 7months he is travelling and just enjoying his life.

Common connect – Non Of them knew each other . They are meeting each for the first time at the Dawki lake having lunch together .

Meeting them and interacting with them forces to ask few questions to myself.

1) What is my passion ?

2) What am I doing to live it ?

3) Do we have enough money to live the passion ?

4) Are we serious about our passion ?

5) What is the ReBalance in life we have done and what is the allocation we are doing for our passion ?

I leave you open with these questions . Sharing the picture of these passionate young boys from Dawki. Also sharing the picture of the tents and cycles.

Just rework on your passion and give a date to live it