Category: Self-Help

Talk to Perfect

Habits die hard. Habit of talking, many of us practice, required or not, we “know it all”. The talk takes different forms from friendly chit-chat, sweet nothings, comments to criticisms and advises. The interesting part is in the interpretations we associate with the talk.

The profession of teaching has many listeners. There are many fresh faces waiting eagerly to absorb the “lessons of life”. They feel their teacher/professor is “perfect” and the young adults declare they are far inferior to their teacher.

“Perfect”? How often has one teacher/professor faced the situation to tell their student that, “perfection comes with practice and constant learning”. Not wanting to dishearten them though. “Thank you. I appreciate”. The words bring smile on their faces.

Whether it is a passing statement or they truly mean it, those words are reassuring. Years might have been spent in the classrooms and countless faces should have interacted and distracted, but the habit of finding happiness in talks is relieving.

Perfection is infectious when it comes to journalistic expressions, creative writing or any form of artistic venture including daily cooking and leading one’s life. And as the teacher walks down the corridors to the staff room, she introspects her journey – the word looming large still.

Are we actually perfect?” Indeed we are perfect the way we are. But the perfection we inculcate through knowledge, wisdom and experience are meant to gain acceptance with others.

Keeping quiet to a comment is misinterpreted. Failing to acknowledge, when lost in thoughts, also gets misinterpreted. Every expression has a tendency to testify to a smile or a frown. Yet, each one of us feels perfect about oneself. We advise the other, again surrendering ourselves in expressions we best believe, with a picture we like to paint for ourselves.

A perfect talk, to me, is an imagery. The larger picture is “simple” and “perfect”.

Secure Your Valentine Financially


Valentine’s Day has turned out to be one of the best phases at the time of economic slowdown. If Cupid’s arrow has struck the right chord of love, there are better ways to ensure financial security for a lifetime than just a V-Day special momentary gift.

From financial strength to financial security, the various practical investment practices can permanently bind the hearts for ever.

Of course, winning your partner to listen to you is in your hands. But before you start going ahead with your wise investment plans, do a complete homework to be aware and well informed about the various available investment resources. Also as a novice, taking help from investment consultants is very essential. The final call will be any day yours.

“Where to begin” finds answer in trying out the time-tested investment avenue. “Gold is best suited for occasions like these, as it results in a successful marriage of investment objective and consumption needs,” suggested financial advisors.

Gold as an investment has been resorted by the wealthy families world over for centuries because they are portable as well as compact. “With uncertainty in the stock market and decline in the US dollar, investors are taking a fresh look at gold as an investment option. Gold works as a perfect hedge against investment in other assets,” experts explained.

“In fact, when other investments take a beating, gold investment tends to stabilise.”

There are banks offering gold coins. Other than that, Gold ETFs and gold deposit schemes floated by jewellery houses too fit the bill. Not far in the market, India Post, in association with World Gold Council and Reliance Money, is planning to launch a gold accumulation plan, which facilitates the purchase of small quantities when investors have the money during a particular month.

Indeed, most financial planners recommend gold exchange traded funds (ETFs) to physical gold. “The savings start right from the purchase stage. All sellers, including banks, charge a commission on the actual gold price. This can be 1-5 per cent.

“In case of an emergency, the real value of gold cannot be realised. Banks don’t buy back, they only lend against it. Jewellers buy it at a discount. Gold ETFs have none of these problems,” experts explained.

In comparison to buying jewellery, a gold fund or ETF would be a better option as it has shown steady returns even during the most uncertain times.

Going beyond gold, there are other ways to secure for life. A health or life insurance policy for your loved ones, mutual funds with monthly or yearly returns, or even the monthly income scheme with post offices are a marriage of two souls to financial well-being.

“Like the sale schemes being offered by retailers across the country, the stock market too is in discount mode, with several large-cap stocks being available at extremely low valuations.

Moreover, the ongoing tax-saving season provides you with an opportunity to help your spouse plan his/her taxes as well. An equity-linked savings scheme (ELSS) with a good track record would be the ideal choice, as its lock-in feature would eliminate the chances of making withdrawals before three years.”

The underlying cause for many couples to take the extreme step to separation or divorce has for ages been the aspect of money and wealth. Financial security not only ensures a safe relationship, but also a healthy family reunion. V-Day is only an open invitation to think for a better tomorrow, if still you are not sure.

Chapter of Life: Action and Reaction

There are days in your life when nothing seems to be going the way you had planned and wished. There are days in your life, when your patient self gives away to the hurt words and actions of others. There are also days when you feel torn apart and you end up saying thing, which you should not have said. There are thus some days when you end up hurting somebody through words or actions even if you did not intend to do so. These are just your frustrations that you may have found an outlet for.

By the time you realise what had happened, equations in relationship often undergo change, forever. And the time that you missed never comes back. Still life, sometimes, gives a second chance.

Yet the best option is always to keep a check on yourself, before you even give yourself a reason to regret and wait for a second chance. My personal experience has done wonders.

– A deep breath to invite calm

It is very difficult to get a clear picture of a situation when emotions like anger and tears arrest you.
Have you ever wondered how you react when your boss calls you into his room to tell you that your performance has not been remarkable, especially at the time of recession? Some react instantly, some stay calm. For sure it would not be a laid back attitude as you know that the current economic situation has also turned more demanding from a performance point of view.
Of course you cannot ignore it. Also, the more you think about your boss’s remark, sleepless nights and a temperament to harm others with words will take more control of your otherwise friendly and calm nature. It is not easy to forget but still you can move over such situations – beginning by taking deep breaths. This would calm you down, and prevent an ugly display of emotions, war of words and wrong decisions.

– A second to think

When situations are not fine, emotions very easily shroud your thinking process. However, by taking a second to think will instantly prevent you from simply surrendering yourselves to the rule of feelings and sentiments. “I’m right, and you are wrong” would soon give way to, “May be I went wrong somewhere, I’ll get back to you”.
In case, if it is your boss who gave you a trimming down session, you would think about the probable reason for the boss’s reaction. Also, instead of bad mouthing and sulking, you would begin thinking of working on target achievements.
You need not run away from situations; or think of “I quit because he said so”.
A second to think can make a whole lot of difference.
– A word it takes to make or break
It is best to avoid any conversation when you cannot think well, especially when you are a victim of emotions. At such a time there are more chances of speaking out those words and things that are hurtful, display aggression, arrogance and animosity. The end result would be nothing but shocked friends, colleagues and dear ones. When you calm down, you will be equally ashamed of yourself and your actions.
As children you might have hurt your parents several times. Once you acknowledge your mistake, or in some cases the parents help you correct your ways, everything is back to normal. And you remember not to repeat the mistake. The parents forgive you and continue to love you as always. However, imagine such a situation with your boss? It becomes really embarrassing coming back to the office after you create a sticky situation.

– A sorry comes to rescue

“I’m sorry,” “I apologise,” “I regret my action”. These are some of the word combination you resort to sort out an issue. It means a lot if you genuinely mean it.
I remember leaving sorry notes on my father’s table. The boss also appreciates if you say sorry for your action. But you have to give your bloated ego a reality check to understand the practical demands of life.
In fact, often it is our ego at work that causes trouble in a generally peaceful environment. Therefore, do not expect anything in return for the sorry that you said to someone.

– A dislike, to adjust to

It is not necessary that you like everybody whom you come in contact with. Every person has a unique individuality. Your may like some, love others and hate few. But when living in a society, be it home, school, college or office, you have to learn to master the art of adjusting to your dislikes too. For instance, you do not like the way a particular colleague gossips, writes mails to top boss with cooked up office stories and situations that did not exist. Unfortunately the person shares the office space with you.
Every day you have to see and be with the person though you hate to do so. Therefore, you become rational. Since it is impossible to change a person, you decide to adjust and concentrate on work.

An article on life that you typed on computer is easy to correct or delete by pressing the keys or mouse button. In real life, you do not often get a chance to undo your emotions, words and actions, once it is expressed. As an ordinary human being, you are bound to make mistakes and sometimes break relations too; next time think before you act.

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