Finatter

I wish I had known earlier  Timeless lessons of life are known to us much later and we do regret not knowing them earlier in life, knowing which might have altered the due course for the better. Here are some which have to be internalized to make our lives much better     Expectations : The perils of expecting have been discussed in great lengths by all wise men and instruct us to be mindful of the quality of our work, Work with love and care remembering that our happiness depends on it. Resolve to be mindful of the approach towards work and work as an offering to god, expecting no reward, seeking no favors, and avoiding no challenges. Power of compounding : Habits compound and make little difference in short periods but makes an enormous impact on years or decadal time frame be it how you perceive risk, taking good care of your health, building wealth, or even quieting your mind. As it is said success is repeating few good habits every day. Self-learning : Self-di...

 Reverse mortgage  The middle class biggest asset will be their house (assuming it to be the primary house, not the second one) but the sad truth is they cant sell it nor can they generate income from it (by renting as they live there)   US had encountered this problem where retirees without money but  with house mortgage, their house(it's reverse of EMI bank will pay you money till you are alive and foreclose the property and sell it after you ) though not popular in India it may happen anytime soon  For processing, reverse mortgage banks take the help of an insurance company so banks and insurance companies take a cut before giving you 

 Cashflow over Networth  Most (including me) fall into the trap of overhyping Networth At least when we read headlines  Mukesh Ambani made 79 billion during this pandemic, Jeff Bezos made 72 billion  Rich are getting richer etc  What people miss here is their assets are getting revalued and claim a higher price tag (Due to a steep rise in their listed company)but does that change the cash generated from their companies is a real question to ask Similar is the case when the middle-class boast that their property prices(Networth)have soared but does that mean you get more rent(cashflow)? The sad reality is rental income is less than the saving bank rate in fact in Bangalore it's less than 2%. Always cash flow gives the real picture, Networth will rise and fall according to a market frenzy. A successful and prosperous company generates tons of cash allowing them not only to invest in other companies but might return shareholders money in buyback the equity (Usually...

Added sugars in food and beverages offer no nutritional values other than empty calories but are excessively consumed because our brain gets to lighten up due to a surge in dopamine ignoring the long-term chronic illness caused by it. Let me introduce you to yet another class of alleged silent killers called inflation which may result in a pay hike every year releasing the dopamine but may destroy your wealth in a relatively long period of time when not invested in assets that grow more than inflation. Imagine you are cruising upstream in a ship, wading against the stream. It is natural that for you to move forward your speed has to be more than the opposing stream. so, the inherently present stream has to be opposed relentlessly for you to move forward. Inflation is similar to the opposing stream. It has to be defied relentlessly for you to build wealth not letting inflation corroding your money. M Pattabiraman of Freefincal has this anecdotal explanation that he could buy a cup of te...

  TACTICAL MARKETING CAMPAIGN TO PROMOTE IT INFRASTRUCTURE   IT Infrastructure refers to the composite hardware, software, network resources, and services required for the existence, operations, and management of an enterprise’s IT environment. IT infrastructure is critical to the success of an Organisation. Various sectors are reeling with serious issues which provide enabling conditions for them to shift from ownership to rental model. Different sectors are to be dealt with different tactics which can lead to high sales conversion rates.     SECTORS ENABLING CONDITIONS FAVOURING THE BUSINESS CONVERSION TACTICS Financial Services             Weak infrastructure that includes frequent power cuts and unreliable telecommunication services Scalability: ability to process during the range of capabilities Store, acces...

 Email Communication draft to be sent to a list of senior executives in the US about AAAA QA & Testing service offering and why they should contact us. Subject : Get secured during most insecure times.   Dear Sir/Madam,   Hope this email finds you in good health during extraordinary events unfolding before us. The COVID -19 pandemic has become the seedbed for cyber-attacks which AAAA( Name changed ) Software with all the experience in QA testing services intends to deter. The rapidly spreading virus has encouraged businesses to adapt to "working from home" testing the future work this gives us an opportunity to reshape and reassess how organizations can be made more productive with the challenges it brings along. Virtual private networks have become new lifelines for many businesses extending encrypted networks to homes however many home networks are already infected with malware that can be exploited for staging attacks which call to ensure configurations and...

It is commonly believed that money alone is enough to create more money although it is necessary but not sufficient this can be inferred from the history post world war 2 when Germany broke into two countries west Germany took to capitalism and the east was influenced by Russia so it killed all its businessmen bankers and economists although both west and east were of same economic conditions after the fall of Berlin wall it's clear that west was much much prosperous than east because it nurtured talent who was in the know of money so knowledge is much much superior to money itself let's dwell deeper into what secrets of money do the rich know that makes them richer. 1 Delayed gratification  The Rich take them less seriously so delay their wants and thereby create assets by foregoing their impulsive temptations the more they delay their wants more money is at their disposal so they create more assets which in turn creates more money  2 Compounding  Rich knows the importan...

  COVID-19 pandemic has pushed the world into unchartered territory and has forced businesses to adopt and test the future work environment. This has encouraged the sudden shift to digital solutions in a bid to retain productivity with increasing their dependence on cloud technology in the essential service areas such as press, healthcare, banking, pharmacy and retail. COVID-19 pandemic has affected the cloud industry with a sudden uptick in demand and interest for infrastructure in the Government and other Organizations in scaling up their platform to deal with the increasing demand. “Global impact of COVID-19 on cloud market is expected to grow from USD 233 billion in 2019 to USD 295 billion by 2021 at a CAGR of 12.5% with commanding orders from IT and non-IT sectors. Overall organizations regardless of size have exceeded their cloud budgets by an average of 23% and expect to spend to increase by 47% next year” said in a forecast by markets and markets, B2B research company wit...

  Scene 1  Teacher and Me Teacher : understood???? Me : No  Teacher: You dint understand??? Me : Yes understood that I didn't understand Teacher: Good you at least understood that you dint understand which I was supposed to make you understand!!!! Me: But I dint understand!!!! Teacher: It's great if you understand what I am  supposed to make you understand and not understand that you dint understand; Good, you understand that you dint understand which you are supposed to understand; Worst is not understanding at least that you dint understand which I want you to understand Scene 2  Friend and me  Me : The teacher said that understanding is better than not understanding but not understanding that you dint understand which the teacher wants me to understand is the worst of all!!!! Friend: what you dint understand ??? That which is better you understood that you dint understand but worst is not understanding that you dint understand which you are supposed ...