Back up to become unstoppable

Note – the story in this blog is written by an anonymous writer . I have used the story for a financial twist to help people become financially free .

Motivation stories come to fore in different forms. Some are real and others fictional. The aim is to induce motivation in a reader.

The story below is fictional but has a O’Henry novel type twist.

A business man had incurred a loss of ₹5 Crores and was sitting on a park bench not knowing what to do. An elderly couple were coming for a morning walk. While the lady decided to have an extra round of walk, the old man came and sat next to the business man. Old man asked WHAT WENT WRONG? Business man told he lost ₹5 Crores. Oldman (he was the wealthiest in the town) immediately pulled out his cheque book and wrote a cheque for ₹10 crores. He said put this in business and DO MEET ME IN THIS SAME PLACE AFTER A YEAR. The business man suddenly felt that he had developed wings and started walking towards his home.In his mind the old man’s words WHAT WENT WRONG was ringing continuously. He kept the cheque in the almirah and locked it. He went about asking WHAT WENT WRONG. Got the answers and started implementing the the right actions. The cheque in the almirah was the fall back option and he didn’t want to use it until there was a dire need. Within one year he had a big turn around and was delighted to go back with ₹10 crores cq to meet the old man in the park. He saw only the lady and asked her about the old man. The lady looked bewildered and asked ‘did he give you give any trouble?’ She continued saying that he would ask WHAT WENT WRONG? Then give people outdated cheques if they say that they have lost money. He has been insane in the last few years. The business man was dumbfounded.

Motivation came from the trigger WHAT WENT WRONG?

Financial Twist – When we have planned for a Financial Goal and started the monthly investment. One can be rest assured that this Financial goal will be achieved .

When one know there is a backup or the financial goal is taken care ,he become more proactive , accurate , Better decision maker and achieve better financial success than the normal person who is not contributing to the financial Goal and who don’t have a financial planner appointed .

So conclusion

1) appoint financial planner

2) Make Goal based financial plan and execute it asap

Start investing with a purpose . Ensure all your employees also have started investing with a goal in mind . When your mind is free your efficiency will shoot up . And when you employees have planned their goals and are saving for the same , as an employee you are more relaxed and your organisation’s performance will be unstoppable.


Creating 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.

Story 2.

There was a small businessman who was in thebusiness of teaching some 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 100 cities inIndia. 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.

Gamification: The way to Financial Wellness

Gamification: The way to Financial Wellness

Of the various ways of securing financial health, investing soundly is number one. But while seeing one’s money grow is very pleasurable, the homework that leads to the growth, is not. It is boring number crunching and quickly makes you yawn. The creative right brain goes to sleep and the process is robbed of interest. Often enough this leads to second rate investment decisions or worse.

On the other hand, playing games encourages creativity, keeps the emotional/creative right brain hemisphere active and is pleasurable. Also generally it’s financially unproductive.

The Volatility Game, combines the best of both the worlds. In a most enjoyable gaming environment, it teaches the players to use the dreaded volatility factor of the market to ones’ own advantage and make ones’ portfolio grow faster, sustainably. As the game continually sends new information to the player, the enjoyable atmosphere makes the information sink in in the players’ minds and turn it into new financial knowledge which is retained very well and is forever accessible to the player.

Research firmly indicates that information gathered in a friendly and enjoyable atmosphere is better retained and better utilised.


A Rotary Club in India had 28 members, all active people with considerable financial resources at their command. To attract investments, institutions like banks, Mutual Fund houses and insurance companies etc. often asked them for speaking slots at their meetings. The club agreed as they felt that some of these speakers, who were important people themselves, would eventually become members of their clubs.

As a fact rich presentations made little impressions on the Rotarians and little investment ensued. Even the little that did was not actively looked into and pursued.

One day a bright Financial Advisor asked for a slot to play The Volatility Game, an investment oriented computer based team game with the Rotarians and the club agreed.

Throughout the game the audience remained curious and their attention engaged. They saw videos of the life of a common man . They saw the history of the financial markets’ ups and downs, the associated facts and figures, and spell-bounded, watched how it impacted the life of the man in a city .

As the rounds of the game proceeded among the audience absorbed the concepts of the power of compounding, its huge importance in the long term investment process, important financial ratios and their meanings, the concept of investments making for a stronger nation and such diverse ideas.

The 90-minute program was a resounding success and the net outcome was within about three month, almost all the members were invested and active in the investment field. The Financial Advisor had become a Rotarian himself.

This Rotary Club now had a solid program and became the centre for Financial Knowledge dissemination all over the country . With the Financial Literacy as mission the Advisor became the chairman of the Financial Literacy Committee of that Rotary district. The momentum spread over the country and continent.

Gamification is a great way to make ideas, presentations and products interactive and user friendly.

The watchword is: “Play & Grow Rich”, “The best is yet to come.”

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Spend Less than you earn

Step 1 for Blue Print to Financial Freedom – Spend less than you earn.

Human beings are creatures of never ending desires. They continuously crave new experiences for themselves as well as their families and in trying to fulfil their desires continuously chase goods. In this chase they often get misled, over spend and get into debt.

Once a man gets into the debt trap-for instance a credit card loan-he tries to repay the loan by earning more and pay it back and get out. In order to earn more he devotes time and energy on his job. His income increases but his family time decreases. He starts feeling guilty about it andtries to compensate by buying more things for his family. The spending outgrows the income. He spends still more time on his job and now his health suffers. To get back his lost health he spends still more.

And thus the story continues.

The only solution to come out of this rat race is to spend less. Spend on value. And spend less than you earn.

Story 1:

In the small town of West Bengal there lived a wealthy man with his two sons. Both the sons were working in similar jobs and had similar incomes, when the younger one decided to opt for a city life and left for metropolitan Kolkata. Once in Kolkata, the younger son worked diligently and made a successful career. His earnings grew. He also opted for a high life style. Clubbing and dining out wasnormal. Going to the very high end schools for his children was a must. The spendings grew apace.

Meanwhile, the elder, stay at home , both led a quieter life. His spendings also grew with time but a good part of his expenditure was on gold, real estate and the like. He educated his children in good but normal schools.

Time passed.

The children of both the brothers grew up and started on their career paths. Both the cousins had the same dream of owning and running their own businesses and worked towards it.

More time passed.

The son of the elder brother now owns a huge factory, a good part of the capital coming out of his father’s investments. The son of the younger brother is still working at a job.

Story ends… learning continues.

Research shows that those who spend less are comparatively less stressed, less vulnerable and have better work/life balance.

Final call to action is

1) Earning-saving = spending which means saving first for self

2) Earning>spending. There should be space for saving

2 minutes of impulsiveness

2 minutes Of impulsiveness –

yesterday I happened to visit the Raipur Central Jail at Jail Road Near the Hotel I was staying at . I was amazed to see that there is a canteen outside the door of the Raipur Central Jail and the canteen being run and operated by the quadies (inmates ) of the Jail . While having the delicious bhajiyas and alu bonda, I struck a conversation with the quaidy who was making the Alu bonda . I was little hesitant to ask him if he was a quaidy . He understood and answer – Sir I m undergoing Umar Kaid ( life imprisonment term in this Jail ) . His name is Dharam Pal from Bhelai city .

This is his 16th year of imprisonment . When I asked him the reason of his imprisonment,he replied that his two mins of impulsiveness cost him the rest of his life.He explained that 16yrs back he was drunk and after a normal Conversation with his brother he lost his control over a disputed topic of his Property. Following that he murdered his own brother and is now living a life imprisonment of 20yrs .

To this I realised one simple thing . If a person can control emotions that flare up, we can to a great extent control what happens in our life too.

In case of Dharam Pal, he

became impulsive for 2 mins only . And the result is that for the last 16 years he is at Raipur Jail.

Friends let’s live a life that is led not by impulsiveness but by introspection so that the outcome of all our actions are directed towards the benefit of not just us and our family but also to the society at large.

Have a blessed life🙏


Since I m preparing and thinking about Mastering communication for Influence for last few days , I realised that the most influential word and act of communication is ” Michhami Dukkadam” which means forgiveness .Yes,seeking forgiveness not only brings the other person closer to you but it also makes you feel light and free. For example, when you continue to pour water in a glass you will observe that after a while it begins to overflow. The reason would be quite easily understood as there is no space for more water in the glass . Thus, in order to be able to pour more water in the glass either we have to empty the glass or have a glass of bigger size.

This is similar to the blowing of air in the balloon . If you blow more it will burst. In order to put more air in the balloon ,we have to take out some air first . 

This activity of taking out is also similar to the activity of realising , let go and detachment. 

In another story we see that there is this crow flying with a piece of flesh in his mouth . The moment he observes more crows are chasing him and he continue to fly with all his might . As soon as the flesh is out of the crows mouth , the crow realises that the other crows were not after him but after the piece of flesh . As soon as it is dropped no one is after his life and he becomes free . 

Forgiveness and letting go is the same . If one wants to be free and really influence people around self , the best way is to seek forgiveness and forgive others . This simple act will influence the other person very positively and also influence the self esteem of the person who is asking forgiveness . The seeker now becomes entitled to receive more love , peace , abundance and wellness from the world . 

Muchhami Dukkadam to each and every being, in all forms and at all levels. May I continue to be able to realise my own divinity and the divinity in others. Become a super master communicator to influence with the maximum use of Michhami Dukkadam . Namaste 🙏