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say YES to SUCCESS, start dreaming rich life now

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say YES to SUCCESS, start dreaming rich life now

FINANCIAL FREEDOM for ALL

In Loving Memory of my brother & sister who passed away.

I look up to the sky and talk to you.

What I wouldn’t give to hear you talk back.

I miss your voice, I miss your laughter, I miss Everything About You.

“There is no friend as loyal as a book.”

-ERNEST HEMINGWAY

say YES to SUCCESS, start dreaming rich life now

By Sanjay Gupta

Copyright 2016 Sanjay Gupta

Shakespir Edition

Thank you for downloading this ebook. This book remains the copyrighted property of the author, and may not be redistributed to others for commercial or non-commercial purposes. If you enjoyed this book, please encourage your friends to download their own copy from their favorite authorized retailer. Thank you for respecting my hard work..

“Life will pay whatever price you ask of it.”

-TONY ROBBINS

CONTENTS

CHAPTER 1 INTRODUCTION

CHAPTER 2 THINK POSITIVE

CHAPTER 3 monthly INVESTMENT of 5%

CHAPTER 4 STOCKS POWER

CHAPTER 5 FINANCIAL FREEDOM for ALL

CHAPTER 6 PERSISTENCE

CHAPTER 7 GRATITUDE

PREFACE

This book will empower you to make better financial decisions; it will enable you to select the best mutual funds and shares which is the best medium to become rich!

In each chapter of this book you will discover something of value and learn how to become wealthy from stocks.

As much as possible, I have tried to share the information and knowledge I had used to become truly wealthy.

By the time you complete reading all the chapters, you will be a powerhouse of information, and you will love stocks NOT fear stocks. You will discover how to make better financial decisions which will lead to financial freedom that you always love to have.

You will know and understand why, apart from helping you make better financial decisions, financial knowledge is necessary.

My life is highly inspired by the words of Tony Robbins and Les Brown, so you will find that lot of words in my book reflect that.

I would also love to thank my beautiful daughter Naysa from whom I have learned so much. She has an extremely sharp memory and doesn’t forget what she has learned.

For example, a few days ago I was playing a game similar to snakes and ladders with her. According to the game, if you win you

advance certain places but if you lose or are in the wrong place, you are punished with fines etc.

I was winning over and over again, so after three games I told her that I was tired and didn’t want to play further. To this, she replied, “Papa, a few years ago, you told me a story in which you explained that What WINNING means – It is not over until I win.” So we played several rounds of the game and finally, in the seventh game, she won! It was only after that, she said, “Papa, I am tired. I’m going to play outdoor games with my friends.” I ask you – why don’t we all develop this kind of attitude?

IT IS NOT OVER UNTIL I WIN

Folks, life is beautiful and you need to enjoy it. You don’t need to spend your life in fulfilling other people’s goals and dreams.

And you don’t need to live your life in guilt and shame. You have everything you need within you. You just need to discover it.

Impossible is nothing. Even Impossible says – I M (am) POSSIBLE.

GOD BLESS YOU

-SANJAY GUPTA

CHAPTER 01

INTRODUCTION

Ask yourself that “Do you really want to become rich?” to which you will say “YES”, are you just saying to please others? (biggest regrets!) Some friends and family members, have certain things which you don’t have, so you have also decided to be rich, “Is it correct?” if answer is “YES” then it means you don’t have desire to get rich? but to tease others you want to be rich…

Hence, some of your lust are:

You want that luxury car that your neighbour have.

You want bigger house then your boss have!

You want to change your current job, with new job to tease your friends.

You want beautiful wife to prove your relative wrong.

So, you want changes in your life because you want to prove something to someone; but you don’t have desire to excel!. Now you call your lust for something as your *passion*, but truly it is not your passion, if you look, your lust is driven by ego not love, here love is missing. I say anything that is not driven by love is ego & lust not desire & passion.

I ask you, what is passion? and further I ask you, what is compassion? means do you know the difference between passion & compassion?

Dictionary definition of passion & compassion is:

Passion: A powerful emotion, such as love, joy, hatred, or anger…

Compassion: Deep awareness of the suffering of another coupled with the wish to relieve it…

People need to have both: passion & compassion, passion without compassion is ego, but without passion there is no meaning of living, people should have passion, if you have passion missing from your life means you have no purpose of your life, you are almost dead, you are living life with no-goal and you are firing with no aim at-all, means you may be firing at wrong direction, or you are living life for your family, and friends. And doing things which they love ‘you should do’. You can say living for others is compassion, but I will say it is not, I will tell you why?

Here, you are fulfilling goals and dreams of your parents, family, friends without knowing its purpose or you may know purpose of their goal & dreams.

Okay, I had few questions for you:

What is the purpose of their goals and dreams?

Why you want to work on their goals and dreams?

How long you want to work for their goals and dreams?

Is there any money involved?

if above answer is yes, then do you have necessary money?

What other efforts involved?

You need to come up with above answer, you need to be crystal clear about their goals and dreams, and why you want to work for them, if people don’t want to share their goals and dreams to minute details, then please don’t waste your time on working for their goals and dreams, if they can’t trust you, then why waste time in trusting them. I have wasted some precious years of my life, on others goals and dreams, so I am saying it to you:(which landed me with more pain & suffering), rest is your choice.

Look, compassion is good to have which tells you how humble you are? where you have a vision of bringing difference to others life; with your compassionate and kind attitude! but working on others goals and dreams is not compassion. In-fact you are a slave, bounded labour without any reward/remuneration/salary etc, not even a word of thanks, you are being screwed believe me, they don’t love you basically, if you say “NO” to them their truth will come-out. They are not prepared to listen no from you, so they don’t deserve the respect which you are holding in your mind for them.

If someone treats you like an option, leave them like a choice.

-Sanjay

A man mix of passion & compassion is Warren Buffett known as the “Oracle of Omaha,” Warren Buffett is an investment guru and one of the richest and most respected businessmen in the world.

Warren Buffett Names His 5 Factors For Investing Success.

1. “Enjoy the game”

Practice makes perfect, and the simple truth is that you're more likely to practice what you love. As Buffett said, he has always been interested in investing -- in fact, he bought his first stock at age 11.

The enthusiasm Buffett brings to the company’s annual meeting, and his obvious joy in educating others, makes it clear that 73 years later, he still has great passion for investing.

2. “A great teacher”

Buffett had the first ingredient down pat, but he didn’t have a clear strategy. That began to take form after he read, The Intelligent Investor; for the first time in 1949. Buffett eventually attended Columbia Business School, where he trained under the legendary value investor, and author of the The Intelligent Investor, Ben Graham.

Buffett’s investment philosophy has developed over time, but one major brushstroke hasn’t, and it is a Graham adage he shared in his 2013 letter to shareholders: “Price is what you pay, value is what you get.

We can’t all go to Columbia, but we do have access to books written about or by legendary investors, and the opportunity to seek out intelligent people to learn from.

3. “It requires a certain emotional stability.”

Buffett and Munger are extraordinarily rational. They understand prices will rise and fall, and view falling stock prices as an opportunity to buy great businesses for less.

Theoretically, this isn’t difficult to grasp. If the same thing can be purchased at a lower cost, it’s a better deal. Yet when the stock market tumbles, it can be difficult not to panic and sell out.

Munger suggested we should all “avoid being a perfect idiot” in such situations. Which is about the best advice anyone can receive.

4. “Exceptional focus”

In a 2013 article by the Omaha World-Herald, Berkshire investment manager Todd Combs remembered Buffett coming into one of his classes at Columbia. Buffett was asked how the students could prepare for a career in investing. He grabbed a stack of pages of reports and other documents, and replied:

Read 500 pages like this every day. … That’s how knowledge works. It builds up, like compound interest. All of you can do it, but I guarantee not many of you will do it.

If the reading alone doesn’t prove Buffett’s focus, he suggested in his 1993 letter to shareholders, “Indeed, we’ll now settle for one good idea a year.” One big idea and 182,500 pages of reading per year. That’s focus.

5. “Keep yourself open to good accidents.”

Buffett was asked if he went back in time, could he recreate Berkshire Hathaway? He replied that the “odds are against it.” Mainly, he suggested, because he had experienced much good luck.

For instance, despite both growing up in Omaha, Buffett and Munger were introduced through a mutual contact when Buffett was in his late 20s and Munger in his mid-30s. Flash-forward more than 50 years, and in his 2014 letter to shareholders, Buffett credited Munger as the architect of Berkshire Hathaway: “The blueprint he gave me was simple: Forget what you know about buying fair businesses at wonderful prices; instead, buy wonderful businesses at fair prices.

The two men’s introduction might have been fortuitous, but turning a meeting into a lifelong partnership is the ultimate example of being “open to good accidents.

The most significant charitable donation Warren Buffett ever made is the $37 billion pledge to the Bill and Melinda Gates Foundation he made in 2006. This donation will take effect upon his death, as he has directed in his will. Individual contributions from Buffett totalling around $2 billion, on average, represent some of the largest single charity contributions in history. His estate consists of Berkshire Hathaway stock that he plans on contributing directly to the foundation and cash that he is leaving for his heirs; to keep invested in index funds. Buffett’s contribution has given him profound influence in the Bill, and Melinda Gates Foundation, and he maintains active involvement in the organization. Buffett has a strong interest in philanthropy, and in solving global health and educational problems. This interest led him to actively promote the foundation and encourage others to contribute, especially those with high-value estates.

Warren Buffett’s heirs will receive significantly smaller amounts of cash from the estate, and some Berkshire Hathaway stock. Buffett encourages his children to follow his own values, including work ethic and being active in philanthropy. Buffett believes the Bill and Melinda Gates Foundation effectively addresses problems of global inequity in access to health care and education, including significant contributions to help these resources reach the world’s poorest women and children. Much of what the foundation does is directed toward these issues. The foundation provides grants to other organizations and does direct research work to develop solutions in addition to its financial contributions. To Buffett, this organization is a wise investment of his estate.

“The two most important emotions are Passion and Compassion.

Without Passion, nothing happens.

Without Compassion, the wrong things happen.”

-Anonymous

[_ People should be ashamed to die, if they have not done anything for the society- humankind. _] Be humble and compassionate, don’t comment on politics it won’t help believe me, focus on your family, friends, finances; Happiness comes out from doing the things that make you happy.

Both passion and compassion are important to succeed, you should have mix of both also, I believed for long that someone else is responsible for my failures, if that person has behaved, or done something else as per my wish, I would have achieved my goal, but this is not true. You can’t progress, if you keep on playing blame game.

Say following lines 10 times in morning after getting up from bed, and 10 times in night before retiring in bed:

“I am 100 % responsible for any decision I make or act on”.

-Sanjay

You have to give up complaining and blaming the circumstances; (in complaining mode you tell your subconscious mind that something, I want, but I don’t have, so how come you become rich with such attitude?), this is important, do the above steps with believe and conviction, and do this exercise sincerely with discipline at-least for next 25 to 30 days, what happen in long run it will tune your subconscious mind, and prepare your subconscious mind to belief that you are in control of your finances, and you are responsible for all decision you make!

This thought which makes me laugh, certain people are not able to manage their family, office, finances but expert in giving free advice on everything, from economy to country, to happy blissful life & opulent living to job etc.

Taking responsibility is first major thing, that keep people away, from what they want to achieve. Actually blaming is a very easy way and people loves easy way, we start to learn this skill from the day, we are born from parents, family, friends, media, office, politicians etc.

People generally come forward to take responsibility and credit for good acts! but for bad acts people play very smartly, and blame others, they keep on living in denial mode, and blame others or circumstances for stupid choices they have made, so by doing this people keep on telling their subconscious mind that they are not responsible for these selective acts, but universe is not as fool as these peoples are! and its sends a signals that this person is not capable of handing things and takes only responsibility of things he likes, so people are sending signals to the universe that “I am confused, person? henceforth universe ignores their request and don't vibrates for their goals and dreams. So please take 100% responsibility of everything whether you like or not.

People will say “Sanjay taking responsibility is that important” I say “[* Yes it is, it is so important concept that I can't stop myself from placing this concept in introduction chapter, you achieve 50% of your Goals & Dreams if you develop responsibility taking attitude. *] " resolve from today to take 100% responsibility of everything.

“The most common way people give up their power is by thinking they don’t have any.”

-ALICE WALKER

People often says that:

“Things are not in my control”

“What can I do, in such a situation”

“He/she was not ready to, listen me”

“I left when this happened”

“I am not responsible”

“I don’t have power to act”

“I was sitting quietly”

“I have done my share of work”

“I am not responsible for his/her task” etc

You can see from above questions that we are getting ready with answers, and now blame game begins. We now try put blame on others to be defensive, and we waste our energy on playing blame game rather finding solution to problem that has crop up.

For long I was thinking/believing that I don’t have any powers and I am not responsible for anything, but unfortunately I was blamed for everything, when I shared my feeling with so called controlling people they said, your silence and smile was always, your “YES”.

Anyway, people need to learn from mistakes, I have made, you always have the power.

Folks, power always comes with responsibility. Firstly guys you need to take back the power you have given to your parents, spouse, family, friends, but if you fail to take back your powers, or you reached such a point where you can't take back the powers then also you are 100% responsible for everything, you need to STOP blaming others when you have willingly given your powers to others, please think if your powers are misused and you are blamed in return, now you are left with “NO CHOICE” but to accept their ill intensions so, friends stop your suffering…

Secondly, you need to take 100% responsibility of your life! and immediately STOP blaming others, because if you don’t stop blaming then these controlling people will blame you for everything, and will play emotional game with you, which often gets very dirty, which will lead you towards depression and suicidal thoughts that “I am good for nothing & nobody loves me”.

If I say you will not suffer pain then I will be completely wrong, you will suffer lot of pain, you have to face lot resistance from controlling people, these controlling people knows how to control you and, will not hesitate to show false love and tell lies, and will not leave even 1% chance to blame you.

“He that would govern others first should be the master of himself.”

-PHILIP MASSINGER

As said by PHILIP, if you wish to govern others then first you need to learn to govern yourself and taking [_ 100% responsibility _] is the first step, and to stop blaming others for your failures or wrong doing is the second step, but we generally fail to do so, and get busy/involved with planning blame game.

You want to put blame on others and relax, this is peoples normal reaction and easy solution to any problem that they faces. Please read below quote and you will understand that, why I am again and again saying to take 100% responsibility of your acts.

“Don’t waste your time with explanations, people only hear what they want to hear.”

― Paulo Coelho

I don’t see that blaming helps in-fact it creates more problems for you, and you are more open to risk, creates more negative energy, more enemies, more conflicts, more haters, and in due course more people will say NO to your plans, for many years. I was trapped in blame game in-fact people get so angry, that they refused to listen to my explanations and, if I was successful in telling my side of story, firstly they will shout on me, secondly they will say “you can’t blame us if things don’t work out for you, if you are not happy then why you have accepted our decision?”. So folks, please STOP blaming others, you will not gain anything in-fact blaming others moves you away from the solution, which you can apply to fix problem you have.

Okay, people will say “Sanjay I am ready to take full responsibility of my life from now onwards”. Good, now I will share certain tips to be more confident in your responsibility journey:

1. Healthy procrastination – If I say STOP procrastination that will be wrong, [as suggested by Brian Tracy in his book Eat That Frog!] we should practice creative procrastination; means we should immediately STOP procrastinating on high value tasks and high impact tasks and decide to procrastinate on low value tasks, the fact is you can’t do everything that you have to do? You have to procrastinate on something, so procrastinate on low value tasks which have no impact at-all or it don’t matter, if that task remains undone. Everyone procrastinates.

Since you must procrastinate: then procrastinate, delegate, outsource, eliminate, low value tasks only.

2. Be Trustworthy – If somebody tell you something in confidence, then don’t break his/her confidence. Keep his/her words to yourself only, don’t tell anything to anybody, not even to your spouse, may be think that this secret is small or insignificant, but it can be important and critical for others. If people tells you “please take care of my things in my absence” then please take care! It’s important for people, to know that they can trust you.

3. Be disciplined person – STOP to display childish behaviour, be punctual and on time, don’t keep people waiting, in India people are not on time in social gathering, events or visiting someone home, generally it is considered great pride to be late in India for any events etc as, people don’t want to look fool by coming first, but this habit is considered very bad in US/Europe and people take it very seriously, don’t rely on for somebody to tell or remind of something, always be disciplined person.

4. No blame game please – As said earlier, no blame game, if you are late or forget something then accept it! feel sorry, but stop giving excuses that: why you are late? or why you forget something? and please don't blame somebody else for the problem you have faced. Change your attitude by taking 100% responsibility of it.

5. Be confident – Be confident but not over confident, if you commit or promise something to somebody then please follow your commitment! and respect people privacy, but if you act or say something in over confidence, and that task remains undone! then people will stop believing you. It is important that people take you seriously.

6. Understand other’s perspective – if an individual supplies feedback to you, don’t disrespect him/her, and stop making excuses and blaming him/her or others for your woes, take the feedback seriously, understand other people perspective. Control your defensive reaction and explore examples and deepen your understanding with the co-worker or friend. People who responsibly consider feedback attract much more feedback.

Taking responsibility involves recognizing that you are involved in some way. If everyone did what you are doing, would the problem get smaller or larger? Spend some time reflecting on your answer to this vital question. If problem gets smaller then you are contributing to the solution. If the problem gets larger, then you can, help avoid this by recognizing your responsibility in the matter. Ask yourself:

Is the way in which I am involved contributing to the problem or to the solution?

I say succinctly everything:

“If you’re not part of the solution, then you’re part of the problem.”

- Eldridge Cleaver

To achieve major success in life, to achieve your goals, to fulfil your dreams, you must take 100% responsibility of your acts. Nothing less will do! That means giving up all your excuses, all your victim stories, all the reasons why you can't succeed up until now.

[* 99% of all failures come from people who have a habit of making excuses. *]

-George Washington Carver

So, taking responsibility is that important, now a day’s people in 30’s (age), are able to achieve big dreams but 50 years back it was not possible – people in 50’s or 60’s was able to achieve big dreams, why? What happened between now and then? now you can see big achievers have started taking responsibility in early age, you can’t tell even a single example, that certain guy has accumulated great wealth! without taking any responsibility, unless he/she is born with silver spoon. Earlier, some 100 years ago it was not possible as people or big achievers has to follow path designed/set by their parents, teachers etc and people has to follow traditional style of working henceforth people are generally get paralyzed with decision taking abilities or taking independent responsibility.

I am not saying to disobey your elders, teachers etc. but certain times you are not able to take independent & quick decision as you need to consult lot people.

Excuse sounds best to the people who make them up!

- Tyrese Gibson

GOD BLESS YOU.

CHAPTER 02

THINK POSITIVE

We should always Think Positive No matter:

What your condition is?

what difficulty you are facing in your life?

How badly you are treated in family, and with friends?

How you are humiliated in office?

How you are treated, in social gathering?

How people behave with you, when you are in surrounded by someone you love?

How people wrong you?

How people keep you small, by remembering your past?

How you are treated in front of your kids… etc

I have gone all through this, and much more, so I can understand your feeling associated with it. Till year 2008, I was so negative and critical that, I can’t take anything positively. Even when people try to help me, then also I smell something fishy in it, I think “that person is trying to fool me or use me…” as I was used a lot in past, and thrown in dustbin like a paper!!! but from year 2009 things started changing as something bigger was happening with me. Since year 2009, I started taking things Positively, after watching you tube video on life of God Buddha and his search for truth. Knowing his pain & suffering. I thought my pain & suffering is nothing from that day, I changed my Attitude towards life completely. And in due course done some soul searching to collect all the loosen threads, I left open!!!

“Negative thinking will not produce positive changes – ever.”

― Taite Adams

I have loved. I have lost and I have changed. It has been difficult, but I have learned so much from it. I have learned that people can hurt you! so deeply and not even worry about you. I learned that good people can change in a minute, when their hearts have been broken. I’ve met great people, and mean people as well.

But the most important thing I have learned is that every person in this world is strong enough to let go, people come and go and that’s life!!! The most important thing is to stand up, and realize that you deserve something better than a person who gives up on you.

Nothing will bring you down quicker than berating yourself. The mind is a superb instrument if used right, but when used incorrectly, it becomes very destructive. Be aware of your mental self-talk.

If you want to reach a goal, you must ‘see the reaching’ in your own mind before you actually arrive at your goal.

-Zig Ziglar

We all talk silently to ourselves in our heads, but we aren’t always conscious of what we’re saying, or how it’s affecting us, it is not over yet, you can always bounce back bigger and better than ever with these empowering words.

TALK TO YOURSELF LIKE YOU WOULD TALK TO SOMEONE YOU LOVE!!!

-Sanjay

There is a connection between positive thinking and peoples physical health and general level of happiness. People who think positively tend to be more physically active, which of course promotes better health, which results in fewer illness-related doctor visits etc. Scientists are not sure if the physical activity is the result of some chemical reaction, or the positive thinking?

People who think positively, also take less sick days from work. And if they fall sick then recover fast, there is a general increase in level of happiness, even when they are sick etc.

People don’t realize is that there is a lot of science and research, behind the idea that positive thinking has a positive impact, on things such as knowledge & skills, job performance, and over-all development. Positive thoughts generates positive emotions. These emotions are often the result of certain activities that bring people happiness and joy.

Positive peoples are better performing and more productive employees. They have better relationships with co-workers, and they are better able to handle problems and work pressure. There are many reasons for this.

Firstly, positive people generate a happy energy or positive charisma they carry that encourages positive interaction with others.

Secondly, they are generally happy and energetic under stressful situations too.

They don’t display frustration & anger (prefer to remain cool & calm), and quick to seek the conflict solution. Positive people are more confident persons. This makes them eager to handle stressful situations and always vibrating positive feeling, if things go wrong, and eager to work on another idea if first one fails.

It is very easy to say that somebody who is not positive person that he/she should change perspective, or look things from different angle, unfortunately, making this happen isn’t easy at all. Changing negative person thinking is difficult. Things will not change overnight, negative thinking transformation will take time and people should be ready accept this, people should not except drastic changes immediately, but he/she should ask question to self that why he/she thinks so? or his/her solution is best in this situation?

As Henry Ford once stated, “Whether you think you can, or you think you can’t, you’re right.” One of the major causes of why we fail, is due to self-doubt and negative self-talk. The way to overcome negative thoughts, and destructive emotions is to develop opposing, positive emotions that are stronger and more powerful. Listen to your self-talk and replace negative thoughts with positive ones, over time you will change the trajectory of your life.

The one thing that carries people furthest from their spiritual centre, is negative thoughts. Negative thoughts are unloving thoughts, rooted in the downward passions of anger, ego, attachment, greed, sorrow, pain, lust and depression. They’re false thoughts that are divorced from clear reality, and creates mental scenes and confrontations that are riding on your back, yapping in your ears, you can’t shake them off.

Negative thoughts are just plain conversations and scenes, unresolved from the past or anticipated for the future, that keep playing over and over in your mind. Try as you may, you can’t change the tune. You’re a captive audience to this broken record…

“There comes a time in your life when you walk away from all the drama, and people who create it. You surround yourself with people who make you laugh. Forget the bad, and focus on the good. Love the people who treat you right, pray for the ones who don’t. Life is too short to be anything but happy. Falling down is a part of life, getting back up is living.”

— Jose Harris

No matter how good or bad your past have been, wake up each day thankful, for your life, someone somewhere else is desperately fighting for what you already have. Instead of thinking about what you’re missing, try thinking about what you have, that everyone else is missing.

Forgive others, including yourself forgiveness enables you to put the past behind you, move forward, and start living. Even if you do not FEEL like forgiving someone, forgiving them will release you from the hold of the past and allow you to experience the world in a new way. Forgiveness eliminates fear and welcomes love to your life.

Forgiveness is a method for giving love. Not only for the other person, but to yourself, because it will come back to you.

Forgiveness is not always easy. It may feel more painful, than the wound we suffered, but certainly will heal and free our soul. The first step to forgiveness is the disposition to forgive.

Forgiveness means that you fill yourself with love, and you give that love outward, and refuse to hang onto the hatred that was engendered, by the behaviours that caused the wounds. Forgiveness is an act of self-love, It means leaving behind the eye-for-an-eye attitude. We forgive in order to dissolve our attachments to the past. Focus on the present, and open ourselves to a new start, even in the face of bad times! or hopelessness, it is more worthwhile to do some good, however small, in response than to complain about the situation.

So dear, Forgive yourself for past mistakes you have made and others for their sins, ego, anger etc.

“Life begins where fear ends.”

― Osho

I know all your pain, and anguish that you are going through, and why you can't think positive all the time (as I said, earlier I have gone through all this so, I am saying based on my experience) Folks, even 1% negativity will keep you away from your goals, and dreams. And will not allow you to move forward in life, you need to be 100% positive, and forgive yourself first, and persons who have wronged you next. You need to show your greatness.

“Forgiveness is giving up the hope that the past could have been any different, it’s accepting the past for what it was, and using this moment and this time to help yourself move forward.”

-Oprah Winfrey

“FORGIVE PEOPLE WHO HAVE WRONGED YOU.”

— Sanjay

Forgiving, means that you have to forgive people, who have wronged you, caused you pain, or broken your trust. However, you should not forget the lessons that the experience has taught you.

These are important lessons, that life has taught you, so be sure to remember them. Life is too short to live with the pain they caused. Forgive anyone who has caused you pain or harm. Keep in mind that forgiving is not for others, It is for you. Forgiving is not forgetting. It is remembering without anger. It frees your power, heals your body, mind and spirit. Forgiveness opens up a pathway to a new place of peace, where you can persist despite what has happened to you.

Forgive yourself and create a place of freedom, inner strength and serenity within you. Affirm to yourself – I am now free. peace, love, and harmony are within and around me. You have something special. You have GREATNESS within you!

— Les Brown

For example, if you have a lawn in your garden, and one day you see weeds growing all over the place, you have two options:

1. Pluck all the weeds individually and repeat this exercise, whenever you notice weeds among the grass.

2. Plant new grass in place of the weeds.

Which option seems better?

You will choose option two – because in that case, you will not have to keep on plucking the weeds individually.

Always remember, ‘[_*One Bad Fish Can Spoil the Whole Pond.]’ So you shouldn’t be okay with one negative thought even [ 1% negative thoughts, is enough to destroy 99% positive thoughts _]. Actually you should *LIVE in such a way that if someone spoke bad about you, no one would believe it.

“When you are grateful, fear disappears and abundance appears.”

-TONY ROBBINS

I think people are sabotaging themselves, by thinking negative thoughts, and keeping themselves trapped where they are. One way to STOP negative thoughts from repeating again & again in your mind is to – (follow below mentioned exercise, it works):

Folks, if think about mango then immediately a picture of mango appears in your mind, and your taste buds tells you how it tastes, also feeling of mango generated in your body, now you think something negative – example about snake, fearful thoughts appear in your mind, and bloodcurdling/horrifying feeling is generated in your body, now go in front of a mirror probably in washroom, close the door, and say loudly – “Show your face, I want to talk to you right now, please respond” repeat this step 3 times, no further thought will come to face you, do this exercise for next 25 to 30 days, I believe, if you do this correctly, as I said these negative thoughts will stop entering your mind one-for-all, please do this exercise, it is fun doing, and empowering too, anyway I have learned this exercise from watching YouTube video by Nathaniel Solace. This is important. Do the above steps with belief and conviction. And do this exercise sincerely, with discipline, at least for the next 25 to 30 days. What will happen in the long run – it will tune your subconscious mind, and prepare it to believe that you are in control of your thoughts. And you are responsible for all the decisions you make.

In the process, I have watched approx 1000’s of YouTube videos, read 1000’s of online articles and referred more than 1000’s of websites, also read approx 500 book & magazines, so I know exactly what’s works and what’s not.

But, you are not going to take any longer then few months, as I am sharing complete knowledge & understanding in single package in form of this book, only this book is sufficient for you.

And you know what? that you are not required to watch any YouTube video or read any article etc.

We have to think positive all the time, it easy and convenient for us to blame anybody, for anything, we have gone through in our lives. Most of us are looking for pain, drama, unemployment, being broke, suffering, sadness & depression, we drop in every excuse in the book about our childhood, as we grow up – that’s stopping us from becoming successful.

If we don’t like our friends, managers, lawyers etc so, Why are we still associated with them?

Are, we expecting our lives to be different by messing with these negative, critical, complaining people, again & again?

We need to stop being lazy, full of excuses person, sitting around for mercy of others, actually, we are raised in generation of people, that come up with every excuse in the world that – “why we are not winning…

Will this make our lives better?

Believe me for negative, critical, complaining, full of excuses persons nothing changes and nothing will change, actually these peoples have convinced themselves, that everything is wrong, everything is negative and nothing will change, and guess what? nothing will change, only you get better in framing excuses…

Folks, if you are pointing one finger on others, remember their are ten finger pointing back at you.

I feel very bad, pity and sorry for the peoples, who are living with self doubt, full of excuses, misery full, depressed & negative life, these people are in habit of remembering past lives, and keep waiting for apologies from the peoples who have wronged them, but in-fact other person have moved on with their lives, holding on the past lives will bring more pain & suffering to you.

Even when good people say some positive words about things, and want to give some positive energy, people have tricked their minds to come up with negative meanings, people will manipulating facts, flip facts.

It seems that these peoples are determined to be negative & miserable. If, you begin to change your thinking process, and closely watch the thoughts that are entering in your mind, and try to replace every negative thoughts with positive thoughts, soon your life will change, if nothing around you changes, change the things around you, on which you have control to change. It’s all in the mind! Change your mind, and it will change your life. _*you just have to wake up…_ you just have to break that negative stories that you are carrying along. You need to say to yourself []enough is enough, God is not done with me that’s why I am here[”*].

People need to understand, that they can’t have positive outcome, by doing negative thinking, outcome of your life, and carrier is based on choices you make!!!

I ask, you get off from blame game and take 100% responsibility of life & decisions.

As, I said time and again that “Be Positive”, if I ask majority of people, that what they fear most, answer would be “I fear nothing.” Actually we are so comfortable living with FEAR that we consider it is normal thing to have, it is considered daily part of our lives.

Folks, you might have listened to it, in enough presentations from motivational speakers, politicians, management consultants, teachers or even religious clergy, you have almost certainly heard the tale told, of the frog in hot water. This is a fascinating 19th century science experiment, the story goes like this…

This engaging little parable claims that, if you plunge a frog into boiling water, it will immediately jump out. But if you put the frog, into room temperature water, and then slowly heat the water to boiling, the frog doesn’t realize what’s happening and gets cooked to death. And if frog realizes what is happening then it won’t have strength to jump out! it has already wasted needed strength for being adjusting to temperature, and living comfortable with it, now is too late to act.

We are surrounded by negative thoughts all the time e.g. Office, TV, newspapers, facebook, political environment, by watching negative YouTube videos etc, and we are looking more to read negative stuff, and the best part is that, we even don’t know this, and if told by somebody. We immediately deny it! [_ even 1% negative thoughts is enough to destroy your chances of success _], but why we are so much comfortable with negative thoughts? what stops us from taking action?

F.E.A.R (False Evidence Appearing Real ), fear is number one reason for keeping us small and, away from our goals & dreams, also from thinking 100% positive all the time. Sometimes our fear remain hidden in the subconscious mind (it says it is okay to think negative for that person...), we look for conformity of our FEARS, so we look for Negative news or gets involved in gossiping etc. it is very difficult to locate our fears, and still more difficult to eliminate it.

I say, there are 3 basic fear all other fear are subordinate of it:

1. Fear of ill health/death/death of love ones.

2. Fear of others sayings/criticism.

3. Fear of poverty.

Let discuss point 1 and focus on first fear, that we all have:

Fear of ill health/death/death of love-ones, injury of love-ones, accident of love-ones or self, this is the most important fear, that keep us stuck where we are, this fear is so powerful that it paralyze us to think, and not to take any action, people who are surrounded by this fear, can’t think other things except ill health, or death or accident etc, they can’t think anything good coming, they waste precious movement of life time in getting ready to face ill health, or death or accident etc. They know what are the common diseases, it’s causes, it’s symptoms, and what is the best remedy/cure of it, these people subscribes to such mails, read articles, magazines and many other things, and these people have information of all the diseases not just few, normally, such people house is filled with medicines. I say stop fearing disease, you may say “*Sanjay, precaution is better than cure.“ I ask “[[*what level of precaution are you doing? Is your level of preparation justified.?]]”.

Physicians, without fear, have been known to physically contact hundreds of people, daily, who were suffering from contagious diseases, without becoming infected, their immunity against the diseases consisted in their absolute lack of fear. And this fear get worst when we include death factor in it, lot of people have fear such as – “If my ill health, is not cured by this medicine, then I will die”.

Folks, death is natural it will come, no medicine can change GOD verdict, why don’t people accept this truth! When my sister was diagnose with kidney failure, doctors has told that she can’t survive more than 18 months maximum, so environment in my house is filled with deep sorrow, pain, suffering, and lot of negative talks. My parents use to say “pinki nahi bachagi”, means she is going to die soon, and many times my small sister (Sushma Gupta) use to hear these talks, hearing this she starts crying…

Folks, Please consider this as true, you can’t change GOD verdict! weather you accept or reject it! god has made us to love not to suffer, and you know the vibrations of fear pass, from one mind to another, as mobile signals, my sister died in less than a year after getting diagnosed. Instead we should have, kept the environment happy and cheerful all the time, I know that, we can’t alter verdict of GOD but we can build great memories to cherish later.

“You don’t need a reason to feel good – you’re alive; you can feel good for no reason at all!”

-TONY ROBBINS

We fear a lot for injury of love-ones, accident of self or love-ones, when a person is late from office, market, work etc, all negative thought floods our mind, and over time our negative thoughts keep getting stronger & powerful, these negative thoughts repeats very fast by each passing minute, and show us the picture of what worst can happen with our love-ones. And, we believe in such stories, as I said earlier FEAR is false evidence appearing real, most of the time fear actually don’t exist, it’s all, in the mind we create this fear, and feeds this with our negative thoughts, the more we thinks, in terms of negative thoughts, the more powerful it becomes! I am not saying that you shouldn’t take any precaution, in-fact we should. But our preparation for precaution should be based on facts not on fear. Can you avoid possibility of injury or death of loves-ones by thinking negative?

Let discuss point 2 and focus on second fear that we all have:

Fear of others sayings/criticism – “LOG KYA KAHEGE” means that “what people will say?” we are so much worried about other people’s thinking or saying that we hardly take any decision, as if we are living in prison; actually this prison is created by self, and fear of criticism is enough to keep us captive for long term. Now it is clear that we are living in world created by self, here…

we are the judge.

we are the police.

we are the Witnesses.

we are the lawyer.

we are defence the lawyer.

we decide quantum of punishment etc.

And approx 80%-85% people are living with this fear, and if they say they are not, then I believe that they are lying, or living in denial. This is so damaging fear that, often decade passes and people continue to live in denial, people are not ready to accept truth, and if positive people try to correct them, then these people will not hesitate to shout back at, I request you here that please don't bring your EGO, in between and, try to understand, what I am saying and why?

As, we are unable to take any action, due to criticism, we act in those ways – what other people will love, and will not criticize us, so instead of doing things, what we love to do, we keep on doing things that other people will love: we should do, in order to avoid criticism from others, so you keep on doing things to make others happy, now a bigger problems comes…

Suppose after 5, 10, 15 years, or more on some day, you say that “I am doing these things, to make you happy, and I have not followed my heart” hearing this, these persons says that you have done the things in wrong way? this is not the way, I loved you should do?

now! what the option you have? pointing fingers, frankly speaking you should not blame anybody except yourself, you will gain nothing by blaming others, you & only you, are responsible for loss of precious years of your life and wrong choices you have made.

Folks, you can’t reverse your past, damage has already been done, by engaging in blame game, you will end up making more of your enemies, not friends! but accepting facts will bring knowledge & understanding, so calm your mind, future is bright don’t spoil it…

It is a very important, fear! it’s damages can’t be ignored, it keeps us trapped for many years and move us away from our goals and dreams…

I am saying so because I was captive of this fear, for many years, possibly handicapped to act on anything! at-last I was left to blame myself. So based on my experience. I am saying that: please don’t allow this fear to Grow. And if it has already existed, and damages has been done in your past life, then accept it as you are 100% responsible for it, and please don't blame anybody for anything. Learn from my failure. Truth is, wisdom comes with learning from past mistakes/failures of self or others...

Why should anybody be interested in some old man who was a failure?

-Ernest Hemingway

Let discuss third, and last fear that is Fear of poverty, and other fears resolves around it, like:

fear that you’ll fail, or do badly in job or business!

fear of doing things alone!

fear of living alone, all through life!

fear of losing material things!

fear of losing pension funds or mutual funds or investments!

fear of losing love ones, when money leaves!

fear from future!

fear of theft!

fear that people will not trust you!

fear of losing job or business!

fear that spouse is cheating you or involved with others relationship!

fear of losing retirement plan!

And most important: fear that people are around me because, “I have great bank balance, house, car, beautiful wife or opulent lifestyle” and telling your subconscious mind that people are after my money and cooking plans to kill me!

Basically, love is what we were born with. Fear is what we learned here? Fear of poverty is a state of mind, and it is enough to destroy one’s change of success, if you are willing to accept poverty, you may as well make up your mind to receive poverty.

I feel very bad, when I see people living in poverty. Being poor, is not so bad, but to have poverty thoughts is a really big SIN.

I have seen poverty from very close. OH No!!! I was not poor. But I carried poverty thoughts for about 25 years.

First, I should clarify that, I don’t think it’s a sin to be born poor. But it is a sin to think and stay that way. You are poor, if you do any of the following activities:

1. Your kids go to their friend’s house but their friends never come over to yours.

2. You lock your house, and go out so that nobody can call you for a birthday party.

3. You know, how hard it is to stop being poor.

4. You know, that you have few options.

5. You construct your house, or build your investment with borrowed money (not at bank loan/mortgage money ).

6. You fight with someone you love, because they want to watch something else on television.

7. You tell your kid to sit in the car, so that you can save parking money.

8. You never have more than a quarter tank-full of fuel in your car, and you drive to the fuel station with the emergency indicator blinking.

9. You borrow someone’s vehicle, and return it without fuelling it up.

10. You have a tendency to come up with excuses, for not going to a restaurant and when you do, you always order the cheapest item in the menu.

11.You live luxuriously on other people’s money, but when it comes to spending your own, you are extra cautious.

12. Remembering those who have failed, and forgetting those who have succeeded.

13. Willingness to compromise rather than putting up a stiff fight.

14. Expecting poverty, instead of demanding riches.

These are the major indicators of living in poverty, and pursuing poverty thoughts. Being poor is not a problem, but having poverty thoughts is a large problem.

Nothing brings man so much suffering and humility as POVERTY! Only those who have experienced poverty understand the full meaning of this.

-Napoleon Hill

This fear, is so powerful that we strongly believe, that poverty is our fate, and we should stay poor, and rich people are blessed differently.

People often say “hamara to luck hai kaharab hai” that “our luck is very bad” or “mai kuch bhi naya try karu meri kismat kabhi saath nahi deti” means “How hard new things I try, my fate never works for me” these people thinks that “they have to live & die in poverty, and nothing has! and nothing will change for them.

And if someone try to help them, firstly, they think he/she might have some hidden agenda, why he/she is trying to help me! secondly, if they are not able to find hidden agenda, then they will discard him, and spread rumours about him/her saying that he is dishonest person, and he has earned his/her way up! by cheating innocent people, or indulging in some fraudulent activities.

Folks, Some people are miserable by nature, that’s why we have so many negative peoples..

the phrase “Every Cloud Has A Silver Lining” but negative people focus too much on cloud, and will read as “Every Silver Lining Has A Cloud “

Become alive in your own life. As long as you have a pulse and breath, you still have another chance. You have the power to take your life in a new direction. It’s never too late to be happy, find love and live your purpose. Do not underestimate yourself! You have the ability to do more and to have more than you think. Challenge yourself with discipline, dedication and commitment to achieving greater results in your life. Do not give up now. Keep working and believing! You have something special. You have GREATNESS within you!

-Les Brown

As said by Dear Les Brown, don’t underestimate yourself, you have greatness, it is okay, if you have poverty in the past, as said, earlier I was driven by poverty thoughts, in past and was captive of poverty thoughts for some 25 years, but not anymore, you can always change your fate, if you wish so! change your thinking, to change your future. Believe me it is not too late, to change, If I can change @ 38 years of age (age is just a number, nothing more, it is just a number which keep on incrementing every year! it tell us, how much time we have spend on planet earth) then why can’t you? it is possible.

You, can do following acts which don’t require any money or investment.

Go to expensive 5 star hotels in your city, spend some time there, look at the lobby, it lifts, go its restaurant, if possible have tea/coffee there, else just water, go to its wash-room, discuss some plan, act-as-if you want to throw grand party in hotel and wants to call your friends, & love-ones in it, discuss your plans with hotel staff, get comfortable, while talking in big sums of money, it is important that you generate feeling, don’t miss this, living in feeling is extremely important, do this step ones, or twice every quarter, doing ones in life time is not enough, please don’t hesitate and ashamed, if people laugh at you, then let them laugh, don’t tell your plans to anybody, else they will discourage you.

Your wardrobe should have at-least one expensive shirt, if you can afford it. You can look for expensive brands of shirts (don’t ask or look for discount), go to changing room just give it a try, if possible purchase it, generate feeling, it is important that you have feeling of wearing expensive shirt.

Go to expensive, luxuries car showrooms, sit inside, generate feeling, if possible have picture of yourself looking out of window, sitting at driver seat and smiling.

Go to expensive sweet shop in your locality, and purchase 500 gram, if not possible, then 100 grams of expensive sweet.

Go to expensive restaurant in your locality, and order expensive item on menu.

Develop this habits immediately, resolve this from today onwards, that you will not bargain for anything, will not say “paise bahut jaida hai kuch kam kar lo” means “Looks expensive, please reduce some price” with this habit, you can’t leave poverty thoughts! if purchase price looks expensive, then don’t buy it, just leave it, but please STOP bargaining immediately. Don’t look, or except discount on anything.

You, can do much more act-as-if acts, such things which costs nothing, only end up taking your time which is very good, go ahead and do these things…

GOD BLESS YOU.

CHAPTER 03

monthly INVESTMENT of 5%

I highly recommend to purchase, read and follow with conviction the following book, if you are in living or working in US, this book will clear, lot of your myths on 401(k) your retirement account and Target-Date Funds.

Money Master the Game

7 Simple Steps to Financial Freedom

– Tony Robbins

You should be disciplined investor, no matter which part of the world you live, or work. Each month 5% of your earnings (from job or business) should be invested in Investment fund account, above book by Tony! provides master piece advise for people looking returns from US markets, but for stock or mutual funds. I can't advise as I don't have knowledge but for Mutual Funds in India, my advice, strategy is given below, those people not interested in Indian mutual funds can skip rest of the chapter.

SIP stands for Systematic Investment Plan for Mutual Funds. Mutual Funds are specifically designed to pick quality shares and diversify investment portfolio fund.

Professional managers who ensure rigorous investment discipline manage these funds.

The fund managers are generally able to devote more time to monitor these funds then individuals can, and tend to react less to short term market falls.

Equity Mutual Funds in India have been relatively consistent in outperforming the broader stock market.

The cumulative annualized returns of Equity Mutual Funds over the last 10 years have been significantly higher than the Nifty.

Good Equity Mutual Funds have generally created wealth for investors over 10 years.

Equities have out-performed other investment classes over long-term in India as well as globally.

You can say ‘Mutual Fund’ is a company that pools money from many investors and invests the combined holdings in a single portfolio of securities that is professionally managed. To manage risk, the fund manager attempts to diversify the fund’s investment objective.

Funds generally invest in a variety of investments, including equity (shares), balanced funds, debt and liquid funds (money market instruments like certificate of deposit, treasury bills, commercial papers and term deposits). Individual investors own shares of the fund, whereas the fund or the investment company owns the underlying investments chosen by the manager.

As the number of Mutual Funds has grown, some Mutual Funds have become increasingly complex and specialized, and employ complicated investment strategies.

Systematic Investment Plan (SIP) is a way to invest small amounts at regular intervals rather than investing a lump sum amount at one time. The SIP route is one of the safest ways to invest in the share market. Here the investor is not trying to time the Up and Down trend of the stock market. Rather, he is trying to average the cost by investing at regular intervals.

You get more units when the market falls. However, when the markets rise, you get less number of units for your money. Over a period of time, the average cost of unit goes down.

Let’s see what this means. Suppose you try to invest Rs. 12,000 in 2015. This could mean Rs. 1,000 in January, Rs. 1,000 in February and so on…

So, now you have made a commitment to invest Rs. 1,000 per month. You can invest a minimum of Rs. 500, which is the minimum investment allowed in SIP.

You can now set multiple date selection, say the first on the 7th of every month and the next SIP on the 21st of every month. As markets can go up or down at any point of time, you are reducing the risk by investing on different dates.

Remember, you are not timing the market. Timing the market is extremely dangerous and should be avoided as nobody knows to what level the market will rise or fall.

Always remember to invest in Equity Mutual Funds. Other form of Mutual Funds can be ignored. I have not invested in Debt, Balanced or Fund of Fund and I won’t recommend them. (I will talk separately about ELSS Mutual Funds which I love to invest in just for tax purposes, as there is a lock-in-period of 3 years.)

You should invest for a minimum 5-year period. If you can’t invest for 5 years or more, SIP investment is not for you. It won’t give you good returns and you will end up paying brokerage and exit load.

I recommend that you should not have more than 2 equity Mutual Funds in your portfolio.

Why? Let me explain…

It will be difficult to manage more funds. It takes a lot of your time and energy to manage each fund individually. Also, it will be difficult to track the performance of each fund house.

There was a time when I had 8 funds in my portfolio. It was a pretty diversified portfolio with a combination of large cap, mid cap, infrastructure fund, energy fund and small cap of different fund houses.

My first & best performing fund (HDFC), I invested through SIP between the year 2000 and 2008. After this, I stopped my SIP contributions as I had other financial commitments. My initial investment of Rs. 80,000 ($1,200 USD) grew to more than Rs. 3.5 lakhs. I took out Rs. 2.5 lakhs in 2012 and another Rs. 60,000 year 2015 in May. Rs. 40,000 still remains invested. These returns far exceeded any expectations. I am of course not calculating the percentage of return over a period of time on investment.

My second fund was IDFC where I invested about Rs. 10,000 in the year 2008. By 2015, the value grew to Rs. 25,000. The returns from this have not been very good but they still beat Bank FD returns.

My third and fourth funds were able to save my principal but could not match bank saving account interest returns.

My other four funds, can you believe it? have given negative returns.

My worst performing fund has given -70% returns. This means that my principal eroded by more than 70%. When I asked them why it performed so badly? they shamelessly said that the energy sector had not performed in all these years, and mine was an energy diversified fund. I will not name them, but you can guess which Mutual Fund was that.

So, based on my years of investing experience, I will say – You should not have more than two Mutual Funds. You should not be excessively diversified, or accumulate funds because you want to diversify. And finally, what matters is, the money you are making out of it, and not how diversified your portfolio is. Review your portfolio once a year. Some people will advise you to review two or four times a year. But when you do this, you will end up paying brokerage and exit loads, which will not get good returns.

I review on the 1st of January, every year. I have been doing this for many years. I have already finished my review for 2016. My next review is on the 1st of January, 2017.

Let us suppose, you need to invest Rs. 50,000 in a year through SIP Mutual Fund. There are 12 months in a year. So, Rs. 50,000/12 = Rs. 4,166 each month. Now you will divide this amount by two. So, you need to invest Rs. 4,166/2 = Rs. 2,083 with each fund house. Now, you further divide this amount by two, i.e. Rs. 1,041 to get multiple SIP amounts (I usually follow multiple SIP dates: 01, 07, 20 and 25, every month). For one fund, you can have the first SIP date on the 1st and the next on the 20th of each month. For the second fund, you can have the first SIP date on the 7th and the next on the 25th of the month.

The investment amount is the same for both funds. So, Rs.1041 × 2 (multiple SIP dates) x 2 (two funds) x 12 (12 SIP months in a year) = Rs. 49,968.

The Power of Compounding

The concept of compounding comes into picture when investment through SIP happens at regular intervals with longer time frames. The power of compounding underlines the essence of making money work when you invest at an early age.

Let’s take an example.

Retirement age = 60 years.

If you look at the above calculation, you can see that a contribution of just Rs. 3,00,000 made in the first five years has a significant impact on overall wealth creation.

If you wish to avail of tax benefits, only then should you invest in ELSS fund and that too through SIP. Do not rush to purchase a fund in March, just before the tax season. Take your time about it. There are certain ELSS funds that give good returns. However, I don’t love them because you can’t sell them for 3 years (the lock-in period). So, even if you find that a fund is not performing and you wish to change it, you cannot do it. Tax benefit under section 80C, can be availed through SIP into ELSS, which is limited to a maximum investment of Rs. 1 lakh.

Follow the above strategy with discipline, and soon you will have a great fortune. But how do you select the two MF that you should invest in? I strongly believe in the KISS principle (Keep it Simple, Stupid).

How do I select the best funds from the countless ones out there? I always keep my MF holding in dematerialized form. You can keep your funds in physical form as well, but I love to keep them in the dematerialized form so that I can check and visualize my funds in a single dashboard. I keep my funds with ICICIDirect.com where I can create/view/cancel SIP online with a few clicks.

I have been using ICICIDirect.com for the last 10 years. Other such services may also be excellent but I have not used them, so I can’t really judge them. One thing I forgot to mention is that I am not related to HDFC or ICICIDirect.com in any way and am not planning to be so in the future.

To select the best Mutual Fund, go to moneycontrol.com. Select the Mutual Fund tab. There you will see the best funds to buy list. Focus on the equity tab. Then look for 3-year returns. Please ignore 6-month and 1-year returns as they do not matter. Now select the fund with the highest return value. ELSS is also okay. Now select the second best fund from Diversified Equity, of course the one with the highest returns. So now you are ready with the two best funds. Now go to Mutual Fund meter in the website. Enter the fund name you have selected in the Enter scheme box of Mutual Fund meter. You can select the fund from the drop down list. The system will navigate to the next page with the fund name and results. Now focus on the following 2 things in the results. Ignore the rest.

The scheme is ranked 1 in Large Cap category by Crisil (for quarter ended Jun 2016) rank unchanged from last quarter. If you are already invested in this scheme, you may continue to stay invested.,

if your MF description is not similar to above, then discard this fund and go to the next one.

It should be very good, which means very good performance in the category – Green. Just good performance is not acceptable. If the fund is not very good, then discard the fund and select the next.

This exercise is boring and takes a bit of time but it needs to be done. Take advantage of this beautiful tool that moneycontrol.com has created for us. You need to perform this step before investing every year.

Okay, now that you know how to select the best funds on your own, don’t pay any fee amount to brokers or advisors.

Their knowledge is limited and they can’t cross the limits set by the company where they work. Knowledge is the key and confidence comes with knowledge. You should know more about MF SIP than the advisors, only then can you win. If you don’t, you will be giving away your hard earned money to such advisors who focus on their commission and funds that don’t work.

Brokers and advisors are not bad guys but they are driven by the commission they get. They are also often paralyzed by the company they work for. So how can they have your best interest in mind?

Now suppose, next year on the 1st of January, you discover that the fund you purchased is not giving you good returns or is not in the very good category on the Mutual Fund meter at moneycontrol.com. In such a case, sell the fund immediately and purchase something that fulfils these conditions. SIP is not required. All you have to do is swap the amount invested in MF.

“You can be young without money, but you can’t be old without it.”

Tennessee Williams

The advantage with Mutual Fund SIP is this – if you don’t want any exposure to equities/shares then you don’t need to watch business channels like CNBC-TV18 or ZEE Business, or read business magazines. All you need to do is select the best MF and stay invested in that. (Select the best MF through moneycontrol.com MF meter. ICICIDirect.com also provides fund recommendations but don’t forget to look through moneycontrol.com MF meter before investing.)

If you have an investment horizon of 5 years or more, then why are you afraid of market falls? You should be okay and keep smiling. Even if you see that the share market has fallen by 10% to 20% from its peak, know that it will soon recover its losses. Trust me.

You do not need to look at your fund value every month. You only need to check your fund value on the 1st of January. Just stay invested and relax. If you follow the advice and strategies mentioned in this chapter, you are sure to make a huge fortune. There is no doubt about that!

GOD BLESS YOU.

CHAPTER 04

STOCKS POWER

Before you speak, listen.

Before you write, think.

Before you spend, earn.

Before you invest, investigate.

Before you criticize, wait.

Before you pray, forgive.

Before you quit, try.

Before you retire, save.

Before you die, give.

― William Arthur Ward

If you wish for long term growth in your investment, there is nothing better than shares.

Before you invest, investigate.

The quote above says that before you invest, you should investigate. For example, when you go to a clothes store to buy a shirt for yourself, you take a few decisions before purchasing the shirt. Let me list the decisions you make.

You select the stores that are giving offers and discounts. Or you may say, “I don’t shop at discount stores.”

You will look only at the brands of shirts you like.

You will look only for your preferred colours.

Once you are done with choosing the brand and colour, you will investigate further and look at cloth texture.

Next, you will ask for the right size, cost, discounts, offers etc.

You’ll then go into the trial room, to try the shirt on. And finally, you’ll ask your loved one, who is accompanying you, how the shirt looks on you.

When it comes to buying a shirt, most of us go through the above mentioned process. At least, I do.

But when it comes to shares, we don’t go through similar investigations. At least majority (above 90%) of the people don’t.

So, we know, the minimum time spent in purchasing the shirt is 30 minutes to an hour, or more. Parking and driving takes up some more time. And the shirt costs approximately between Rs. 1,000(US $15) to Rs. 2,000(US $30). However, for shares, which we buy for larger sums of money, we do not investigate at all. We get tips for shares over coffee tables in cafeterias. Some experts air their views about shares on business channels, over lunches and in social gatherings. Sometimes, friends and relatives provide advice. At other times, one hears people talking, in a public transport or some other place, about the potential of a share. People are in the habit of purchasing shares impulsively, depending on these tips. Then they keep hoping their shares will go up! And once they own this share, they feel pretty smart about it.

Usually, people invest between Rs. 5,000(US $75) to Rs. 50.000(US $750) based on such tips. Personally, I have never invested so foolishly, not even twenty five years ago when I purchased my first share for my father. (For this wisdom, I thank God, as it his gift to me.)

“Believe nothing, no matter where you read it, or who said it, no matter if I have said it, unless it agrees with your own reason and your own common sense.”

-Lord Buddha

If you have purchased some shares because somebody said something about that company, and you have not done any INVESTIGATION, then you should know that this type of stock fishing is stupid and dangerous. Let me explain. You never buy a shirt or trouser just because a colleague, friend or relative has it.

But we always do this when it comes to stocks and shares. Are we born lazy? Not at all. What happens is this – when it comes to stock, we think that the other person is more intelligent than us and that he has probably done the required investigations.

So, we put our mind to rest and tell ourselves that no investigation is required. As I said, we are not born lazy. So how do you prepare your mind to investigate before you purchase shares?

Consider other people (including me) as fool, madmen and idiots. Think of yourself as very intelligent and smart about the share market. By doing this, you tell your subconscious mind that others are fools and you have more information and knowledge than them.

But you don’t really, do you? Well, you have to gather information and knowledge. And for that, you have to put your mind to work. So, you might say:

[* WORK -> MISSION -> FOCUS -> ENERGY -> KNOWLEDGE -> INFORMATION = INVESTIGATION *]

If you conduct your investigation in this manner, you can save a lot of the money that you pay to Tip advisors, fundamental specialists, experts and consultants.

You need to consider the following questions before you purchase any shares:

Why do you want to purchase this share?

Which sector does this company belong to (eg. pharmaceutical, finance, IT, manufacturing etc.)?

How long do you want to hold on to this share? Remember, this book is not for a trader but for a true investor.

What is the industry and company PE?

The price-to-earnings ratio, commonly known as the P/E ratio, is one of the most widely used valuation metrics.

It is a basic measure used to compare different investments or the same investment over different periods of time, and it’s simple to calculate.

The P/E ratio is most commonly used for a quick comparison between two stocks to see how the stock market values them, with a higher P/E suggesting that future earnings are more likely.

Dividing the common stock market share price (numerator) by earnings per share (denominator) produces the ratio. For example, a stock with a market price of Rs. 100.00 and earnings of Rs. 10.00 per share would have a P/E ratio of 10(100/10=10).

P/E ratios can be calculated on past or realized earnings, projected earnings, or a combination of each.

Earnings are sometimes adjusted to exclude extraordinary events, since they are unlikely to repeat. When considering P/E ratios, it is important to understand if and how earnings have been adjusted and whether they are actual or projections.

What is the future of the industry as a whole?

What are the government’s plans for this industry? (This is especially important if the industry is dependent on government tenders like Railway stock.)

What are the future plans of the company?

Who are their competitors?

What is the company’s past performance? (I always look at the company’s performance for the last 5 years. If it is a new company, then one should check its performance since its inception, or at least for the last four quarters.)

What is the face value of the stock?

What is its dividend paying history?

When was the last split? And what was the ratio?

Most importantly – what percentage of net profit does this company make after interest and taxes?

Has this company issued any bonus shares? If it has – when?

What is the valuation of this company?

What is the total debt on this company and what does the company say about it?

Are there any litigation, pending orders, court cases, criminal cases, tax demand cases on this company and its directors?

Is there some good stock of a competitor available and what is its valuation, PE ratio, profits and dividends?

What does the website say about the company? (Here, I try to judge their presentation skills. If you can’t sell yourself then how can you be a leader?)

What does the industry says about this company?

Is that a lot of things to do? It will require effort and time to investigate. You should be ready for that! look at the people who buy lottery tickets. What are the chances of their winning? The probability is extremely poor, sometimes as low as one in fourteen million. Even then, people keep on wasting their hard earned money on such foolish things.

For example, ten years ago, I was having a discussion with my friend. He’d purchased some shares for Rs. 50,000(US $750). I asked him a few questions (from the above questionnaire) about those shares. He became uncomfortable. If you discuss money, it makes people feel bad. And people don’t like to feel bad. So they simply stop talking about it. From that day, I promised myself that I would not give advice to anybody, especially on the subject of stocks.

Since then, a lot of people have asked me about which stock to invest in or where to put their money. Generally, I never advise them. But now I say to you: Do your bare minimum homework before purchasing shares. A lot of study is not required for MF (I have already covered MF strategy in the previous chapter!), but for stocks you have to do the investigation as mentioned above. If you feel this is too much, then please invest only in Bank guaranteed return funds, not even in Mutual Funds as some investigation is required for that too. Read again the words of Lord Buddha.

Let me give you an example. In March, 2015, I selected Torrent Pharmaceuticals as it looked promising to me. At that time, the stock was quoted at Rs. 1,050(US $15.70). I did the investigation steps I mentioned, and I was through with the investigation by July, 2015. It took me almost five months to investigate. (You might say, “You are too slow in investigation.” But actually, I had other commitments. Apart from investigating this stock, I was also investigating many other stocks.) By the time I was through with the investigation, this stock was quoted at Rs. 1,350(US $20.20). I thought the stock price had gone up too fast, too quickly. So, I decided to drop this stock from my future stock list. “This stock can go up to Rs. 2000(US $30). I don’t care,” Before I began to write this chapter, this stock had gone up to Rs. 1,720(US $25.73) and now, on the 9th September, 2015, it is trading at Rs. 1,490(US $22.29), down 3.5% from its previous day closing.

You see, a majority of people enter the stock market with fear thoughts in their mind, hoping they don’t lose their money. But statistics say that they do end up losing money. I have hundreds of stories on stocks. Let me tell you a few more…

I invested in Indo Count Industries as its story looked promising to me. After doing my investigation, I finally decided to purchase it. I bought at Rs. 700(US $10.47) in July, 2015. I generally never sell any share before making a profit of 50% or more. So, I decided to sell if the price went above Rs. 1,100(US $16.46). As I have to pay for brokerage and transaction tax, I keep the price a little higher. A few days later, my wife told me of the strategy that Arun's (CEO of the company where my wife works) wife follows - she generally sells with a profit of 20%, as the Indian share market is going through turmoil (due to the China factor). I thought this was a good idea. So, I decided to sell at a profit of 25% (as I needed to include brokerage and transaction tax charges). But the stock was already quoted at Rs. 1,000(US $15). Therefore, I decided to sell immediately. Once the sale order was executed, I decided to purchase this stock back at a 25% lower price, which came to Rs. 750(US $11.22) per share. As I had done my investigation at this price point, I decided to set the trigger at this cost. (I use a system for this, which I will tell you about in the next chapter.) Yesterday, I was able to purchase back this share at Rs. 750(US $11.22) and today, on the 9 th September, 2015, the share is quoting at Rs. 830(US $12.42). (This, I think, was a miracle that worked in my favour. The moment the price of the stock went below Rs. 750(US $11.22), I received an SMS. I immediately purchased this share. In just a few minutes the price went up again, way above Rs. 800(US $11.97).)

Though I strongly believe in the long term stories, and have purchased this stock for long term, Arun’s wife’s strategy can be applied when the market is in turmoil. And yes, making money makes me happy. I have many more stories to share, but I would like to conclude this chapter with just the above example, or else I might just go on and on.

I would like to tell you just one more thing – I consider Initial Public Offering (IPO) of stock a bad investment. Firstly because you block the full amount of your investment when you apply with no guarantee that you will get the full stock you applied for.

Secondly, it is almost impossible to predict whether the stock will list above the offer price. In most cases, you can get the stock on later dates at much below the offer price, and sometimes at 25% to 50% below the offer price. If you look at the IPOs of the last 5 years, you will know why I am saying this.

Market levels or stocks levels should not be predicted, else fear won’t let you buy and greed won’t let you sell.

Of my 25 years of Investing experience, I have meet, read, heard stories of over 1000 of people, and I can conclude that generally people are very intelligent and knowledgeable when it comes to stocks! but 90% people end up losing money because, they took decisions under influence of F.E.A.R . Basically they don’t have PATIENCE to hold, develop patience please…. thank you!

GOD BLESS YOU.

CHAPTER 05

FINANCIAL FREEDOM for ALL

As I need to write about Financial Freedom, but I will deliberately start our conversation with passion, through passion we can easily find out PURPOSE of life, or why we are living, so you can say passion is the first step, then comes JOY, finding joy in everyday living, joy is the fuel which drives us, so this is the second step then comes FINANCIAL FREEDOM, which I will discuss last; so this is the third & last step.

1

“You can’t hire someone else to do your push-ups for you.”

-Jim Rohn

As rightly said by Jim, you can’t except someone else to do push-ups for you, look there are certain things which you can’t delegate. You have to find your passion nobody else will discover for you, and if they did… it is going to be there passion, dreams or things they think you should do. My passion was never IT career, but I pursued it, because everybody was doing it or I was discouraged by words of my father, that not to get involved in share market, anyway you need to discover your passion.

You can ask “How I can discover my passion?

Complete the following exercise and you will get your answer:

What one thing you will love doing, if you have enough bank balance?

You have not to worry about paying bills.

You don’t have any liability, means everything is perfect.

You don’t need to worry about paying for child education etc.

You don’t have to worry about bank E.M.I etc.

Think back to when you were a child? (What made you happy? what made you stand out? when we were children, we didn’t care what others thought of us. We followed our passions, and did what made us happy. When I was in senior secondary school, I loved to read economic times. And figure out each day if particular stock is going up or down! However, in college I began to hide my love for stocks, with fear of being labelled as nerdy. And this negative thinking continued for many years.)

By this time you are ready with your answer, for a movement don’t think that how it is going to work. And how you are going to pay bills etc, just write down.

For me it is investing, I love stocks so much that I hardly sleeps those days when I am calculating company’s valuation like its P/E, its market net worth, looking its balance sheet & P/L statements, its dividend paying history etc. And I never gets tired doing this activity, in-fact next day, I am as fresh as I wake-up from full night sleep, goes to gym, grocery store etc.

Folks, you need to find your passion, once you are able to find your passion then please keep aside 1 hour doing that activity- if you can't do it full time. You will discover new person in you, you will be more energized, more fun loving, will never get tired doing that activity.

You need to find way to do it full time?

How you can make living, doing that activity?

How to stop doing, such activity which you don’t like?

You need to make plans to make it as your profession! when you think of, what the word PASSION really means? your mind might automatically start rushing through a bunch of old hobbies, and interests that you really, enjoy either now or at some other, previous point in your life. Well, it works for some people, like really successful people who seem to have been forever blessed with good fortune and giftedness, but what about the rest of us?

The fact is, there are a lot of people who feel like hopelessly confused! passion-less quitters! you’re not odd one out.

There are so many areas of interest to discover and explore throughout life, and we only have 24 hours in a day. It’s easy to lose interest, get distracted, or simply make the excuse that there’s not enough time in the day to keep exploring a particular hobby.

As a result, so many of us find ourselves working really unfulfilling jobs, and living a life that lacks meaning or purpose, all because we could never find something we were naturally passionate about and committed to doing! It’s important to recognize that your passion isn’t something that necessarily has to come effortlessly to you. You don’t even need to be good at it.

Folks, you can even be terrible at it, that’s what the journey of learning is for, remember, nobody’s born perfect.

As long as you can find something that really triggers your emotions, and ideally can be used to represent a story in your life! you can learn to master almost anything — no matter how old, or how young you may be. So, what’s your story or struggle? Identify it, don’t fear it, and think about how so many other people could probably benefit from what you’ve learned to achieve or overcome!!!

We’ve all heard the saying, “Do what you love,” and having a job that we look forward to everyday, isn’t as far-fetched as many may think. The key to this is self-awareness, which is an important component to both personal development and professional development. When we reflect on our strengths and weaknesses, we find what we’re truly passionate about and that is the key to finding a job that’s the perfect fit.

Some 15 years ago, I invested heavily in banking sector with investment of Rs. 50,000(US $750). In the year 2010, the value of these shares was above Rs 1.2 million(US $17,957.36). I have ICICI Bank shares purchased at Rs. 23 with a face value of Rs. 10, without the split. I have purchased UTI Bank shares (some 600 of them) at Rs. 69 (UTI Bank is now called AXIS Bank). It was also at the face value of Rs. 10 without split. And we enjoy great dividends for all these years. So what I am trying to tell you?

Though my father believes that I have done nothing extraordinary, and that I am still managing Rs. 50,000 on his behalf, like any other employee or consultant would.

‎Someone’s opinion of you does not have to become your reality.

― Les Brown

1. Follow your curiosity

Ask yourself the question: what are you naturally drawn to? Be inquisitive. Your innate curiosity is your natural born instinct to be drawn to areas of interest to which you will be successful. Pursuing these interests is what can set you apart from your colleagues and is ultimately what make you a unique individual! Have you always doodled as you take notes in accounting, but have always day-dreamed about being a children’s book illustrator? Are you involved in a service organization, but have always wanted to lead a mission trip? Do you waitress at a restaurant but have always thought about starting your fashion business? Whatever it may be, go after it! You never know where your curiosity may take you. More likely than not, it will be to your true passion.

2. Be Humble-Proud

Have you ever had someone tell you, “Great job on that presentation, you crushed it!” only to respond with, “OH, NO, it was nothing”. You may be trying to come off as humble, but there’s no need to turn down the compliment! Although presenting may come naturally to you, don’t assume that it comes just as easily to someone else—you may have truly blown them away with your confidence! When it comes to job searching, never play down your accomplishments. If you’ve been told that you’re a great public speaker, be sure to list “confident speaker” as one of your skills. It’s one that not many people have. Your super powers should be on your resume, so make sure they shine! But the important thing to remember is that there is a difference between bragging and humble-bragging.

3. Brainstorm Ideas

Ask yourself:

If I could do any job, what would I do?

If I could live anywhere, where would I live?

If I had all the money in the world, what would I buy?

While answering these three questions, I remembered that my passion is investing in stocks and inspiring people through speaking/blogging/writing books. I decided to launch my own book to share my knowledge of investing, on the side. While having website to interact with readers.

4. Evaluate hobbies

One of my friend enjoys travelling & exploring new places/cultures. While the other enjoys playing football. I started cooking as my new hobby.

Let’s assume someone you know likes baking. She could build a bakery in her home and create delectable desserts every day. She can truly say that… “My passion for baking is a hobby that now supports my family.

What do you enjoy in your free time? Your hobbies and interests offer insight into what makes you tick, and they reveal your true passions.

5. Volunteer.

By serving others, you may find activities you enjoy. Whether you volunteer teaching someone illiterate to read, community centre, medical clinic or international orphanage, serving others might help you find yourself.

2

Life is a journey down smooth paths, rocky roads and downright treacherous terrain. Joy comes naturally during the easy times of life, but it takes effort to find moments of happiness during adversity.

Here are six ways to find joy during the entirety of life’s journey.

1. Enjoy the good times

When things are going really well in your life, enjoy yourself. This is a time to build memories that will sustain you during difficulties. Capture these moments by taking pictures or writing in your journal. Keep mementos in a treasure box, so that you can take them out from time to time and reminisce.

Focus on the positive aspects of your experiences and ignore minor mishaps.

Science reports that daily viewing your past experiences positively, can improve your happiness. Building happy memories now can help you through the more challenging times in your life.

2. Nurture your relationships

Nothing has greater potential to make us happy, than our relationships with others, the happiest people surround themselves with friends and family.

Materialism is toxic to happiness, because it tends to create competition with others.

Nurture your relationships and build a good support system, that will sustain you during adversity. Do not be afraid to let others help you through your trials.

3. Show gratitude

Feeling gratitude and not expressing it is like wrapping a present and not giving it.

— William Arthur Ward

Gratitude is recognizing the abundance and blessings in your life, even in the midst of difficulties. It is appreciating the things that you have. It is savouring the moment and not taking things for granted. It is finding the hidden blessings in unexpected challenges.

PsychCentral.com reports that expressing gratitude not only makes people happier, it can increase energy and improve health. In addition, grateful people are hopeful, empathetic, helpful and forgiving. You need to give people the credit due to them. Say thank you often. Respect people. And don’t judge people by their status.

Give respect and love freely. If you can’t say something good about something or somebody, then don’t say anything at all. Keep your mouth shut. Don’t say anything bad about anybody. (Stop yourself from offloading dirt from your mind onto others.)

THE SECRET OF HAPPY LIVING IS GIVING

— Sanjay

4. Live in the moment

There are moments of joy in even the most painful times of life. Look for them. It can be a baby’s smile, a phone call from a friend, a funny TV show, making love to your spouse, a beautiful sunrise or a sudden summer shower. You need respite from the pain. Open your heart to these moments and rest in them.

5. Embrace nature

Nature is good for our health and well-being. Canadian science writer, David Suzuki says that spending time in nature can reduce blood pressure, anxiety and stress levels. It improves your sleep, increases your vigour and boosts your immune system.

Every year, I make sure to go for at-least 2 trips to hill or sea beach or place I love to spend time with family, apart from making 2-3 spiritual trips which gives me lot of energy, enthusiasm and rejuvenation.

6. Exercise

Most of us know that regular exercise improves our health and helps us maintain a healthy weight. Exercise can also make us happier. FitDay.com says that exercise lowers stress and anxiety, which lowers cortisol levels in the body. In addition, endorphins are released when you exercise. Endorphins stimulate the brain, reduce pain, lower stress and boost feelings of happiness. You can increase your happiness from exercise by working out with others or combining exercise with nature. Anytime you feel the need for a shot of happiness, put on your running shoes and take a jog around the park.

Life is full of pain and sorrow as well as ease and happiness. Those difficult times can make us relish the good times all the more. Embrace your life here, where you are now, and enjoy the journey.

But, we fail to understand this, and we falsely believe that, joy exist in gaining possession of material things, And we get so much attached to material things, that we turn into demons. And we can’t tolerate any damage to material things. And we never care how inhuman we become!

Okay let me make it clear, that why I am writing so! few days back, I was driving towards home near Ghaziabad, one person on motorcycle driving like crazy, cut across wrong lane in wrong way(these guys drive like they are riding on bullet train).

To save motorcyclist – another person applies brakes on his car, but car approaching from behind him hit his car bumper, knowing it, this person got angry so much that he decided to punish that guy, whose car hit his car from behind. He opened his car door angrily and said to another person “look what you did”.

This person came out from his car and said “this is not my fault, you applied break so hard, that I can’t stop my car immediately.” listening this first person got so much angry, that he started beating him uninterruptedly and smashed his head to his car bonnet; I was in my car on another side of the road. I and one rickshaw puller came to his rescue we said “what you are doing, he will die, call the police.”, listening this, this coward person ran away, second person got up, and said “thank you”, and drove his car, so story conclude here. Earlier we used things and loved people, now we use people and love things.

So, I am left with thinking, thinking and more thinking, are society getting more intolerant, less & less impatience, now we can get best education, drive luxury cars, live in big house with all the modern facilities, have latest gadgets, have world in our fingers connected with family & friends on facebook, WhatsApp etc but we are also getting intolerant and impatience!!!

What is the use of having best education – if society is having no-moral values, people are getting filled with hate and ego; where is love and compassion man? forget about respect and care for others…

So, what is the solution? basically, I say garbage in garbage out!!! look, in year 1980 we have only 30 minutes of news at night, but life was very peaceful in those times. Also we don’t have expensive gadgets now we have 24×7 news, and many news channels.

Also few print media, who always focus on reporting negative news, so society is getting so much garbage full day, how can we except flowers to come out? garbage will only come out! so people can’t be kind-hearted compassionate with Garbage thoughts. People, has to organize their life and 30 minutes of garbage is enough; and people have to focus on beautiful things before they can have JOY.

3

When you hear the term, “financial freedom” a few stock images may pop to mind: The lottery winner rolling in sudden cash; the wealthy socialite dripping in diamonds; the silver-haired couple sailing into retirement on a yacht. But financial freedom doesn’t have to be about when or if. Ultimately, it’s about making the choices that will help you live the life you want right now. And it’s just as much about how you feel as it is about what you own.

Net worth and what you have in the bank are only part of it,” says Meadow Devor, money coach and creator of the Money Love workshop a self-guided course to changing how you think about money.

Financial freedom is also determined by your thoughts and emotions about money and worth. To me, financial freedom means no worry. It means peace.”

Now, I fully appreciate that Cullen Roche and others in the financial community. This is especially true when Tony Robbins takes the time to illustrate, just how much a 1 percent or even 3.5 percent fee for actively managing your money can negatively impact your long-term financial results. And, as he points out, “An incredible 96 percent of actively managed mutual funds fail to beat the market over any sustained period of time!”

Financial advisers and actively managed mutual fund managers have a lot to lose and are being called to task in this book, so there’s no wonder why so many of them look to discredit Tony Robbins’s, five year plus project with over 600 pages of detailed insights.

Tony Robbins is a master at studying and then modelling successful behaviour be that personal, professional, or, in this case, money management and investing. This book is the outcome of an obsession to understand how the most brilliant financial minds of our day successfully navigate through every economic condition. It includes interviews with Paul Tudor Jones, Charles R. Schwab, Carl Icahn, T. Boone Pickens, Ray Dalio, John C. Bogle, David F. Swensen, Mary Callahan Erdoes, Kyle Bass, Marc Faber, Sir John Templeton, and Warren Buffett.

While I will summarize the seven simple steps, you really owe it to yourself to read this book. Nothing in a single article could do justice to the incredible research and thoughtful way that Tony Robbins approaches one of the most important topics that will affect the quality of your life, especially in your retirement years. And unlike any other financial book, you may have picked up and summarily, stopped reading, this book is actually FUN to read.

Money Master the Game

7 Simple Steps to Financial Freedom

– Tony Robbins

It’s not homework, it’s masterful storytelling with a directed purpose. If the top billionaires, of our day got together to help you with your finances, wouldn’t you take the time to listen, to everything they had to tell you? Yeah, me too.

Step 1:

Make the Most Important Financial Decision of Your Life. In essence, you must first decide to become an investor (not just a consumer). This means automating a specific percentage of your income that goes toward your “Freedom Fund” (i.e., your ideal retirement nest egg, which you calculate based on your desired financial outcome). If you can’t commit the amount you need, there are great strategies, including the “Save More Tomorrow” plan, that will help you ease into the number you need to be saving every month.

Step 2:

Become the Insider: Know the Rules Before You Get in the Game. Here, you shake off the nine most common myths about fees, actively vs. passively managing funds, real costs of specific investments, brokers vs. fiduciaries, target date funds, 401(k) and Roth 401(k) plans, and asymmetric risk. By understanding these misconceptions, you can minimize your risk of losing money and over-paying fees, and create tax-advantaged investment strategies. This is the equivalent of “measure twice, cut once” in the business world. If you know the rules of the game, you’re less likely to lose when you play.

Step 3:

Make the Game Winnable. This is when you calculate exactly, the amount of money you will need for your financial freedom. Most people create an artificial number, that feels impossible to achieve, so they delay starting their saving and investing. To make these calculations super simple, Tony Robbins provides a companion mobile app. You also look at your spending habits and how you can speed up your plan to achieve financial freedom faster from limiting your daily impulse purchases (i.e. coffee, alcohol, fast food, etc.) to reducing your taxes, earning more, relocating, and improving your lifestyle. There are lots of ideas here on how to achieve your desired financial outcomes faster.

Step 4:

Make the Most Important Investment Decision of Your Life. This is about asset allocation, rebalancing, and dollar cost averaging. Before you begin investing, you need to determine your own risk tolerance, frequency of rebalancing to maintain this risk tolerance, and a monthly dollar cost averaging investment strategy. One interesting idea is to not just have two categories (i.e. “Risk/Growth” vs. “Security/Conservative”) but to also include a “Dream” bucket that is clearly not about investing, but rather putting money aside for the things in life that motivate you. This can help propel you, as you save and invest more for your future.

Step 5:

Create a Lifetime Income Plan. This is about understanding the returns you are currently getting on your investments, compared with other portfolios and recommended asset allocations. This includes establishing a guaranteed lifetime income plan through various forms of annuities and tax-efficient life insurance strategies. These are the secrets of the ultra- wealthy, as these tools are not widely known by most people and yet allow the ultra-wealthy to minimize their tax exposure and protect their assets for their children, grandchildren, and great-grandchildren.

Step 6:

Invest Like the .001 Percent. This is where you learn that the worst environment is your greatest opportunity: to buy when everyone else is selling in a panic, and to sell when the markets are going crazy in the positive direction. You don't always have to be a contrarian, but pummelled markets create significant wealth, and fear and other emotions distort true values. Most wealthy investors have figured out how to make asymmetric returns (i.e., risk $1 to make $5), while the average person risks the bulk of their investments to make 4 to 8% returns.

Step 7:

Just Do It, Enjoy It, and Share It! This is where Tony Robbins really shines, as these principles are core to his motivational speaking and inspirational life coaching. So much of investing is psychology. We can choose to see the world as scarce or abundant. We can see the world filled with problems or opportunities. Daily priming and the appreciation of what you already have will ensure you focus on the outcomes you truly want, as opposed to worrying about what you don’t have and not taking action because of fear and other negative emotions that are holding you back.

Perhaps the most powerful reminder is that “repetition is the mother of skill. Action is where all of your power is found…knowledge is not power, execution is.” In other words, take massive action when you learn great insights. If you haven’t read this book, then your next action step is clear: Buy and read this book!

Folks, if you are planning to invest in Indian stock market through shares or mutual funds then please purchase & read my book (my book is full of strategy, and how to control emotions while investing in stock market):

ART OF INVESTING

THINK LIKE AN INVESTOR NOT AS A TRADER

As I say, actionable knowledge is the power accruing knowledge is very essential, but knowledge is useless, if we don’t apply in our life, so execution of knowledge is important, if you want to rise, above mediocrity and have financial freedom.

I have seen so many people that have incomplete knowledge, and keep it for giving free advice to others, in-fact I am surrounded with such limited intelligent egoistic peoples, what I call such people as arrogant, egoistic persons… there ego is so high, that they don’t want to accept truth, I can’t understand, why they are not applying such great knowledge which they possess in their own life?

If you want financial freedom then firstly, acquire complete knowledge of any subject secondly, apply this acquired knowledge in your own life not in other(including family members), this is VERY important principal.

If you apply the above discussed principal in your own life, then soon you will have opulent life, which you deserve in few years, you will see change in your life.

Another important concept is “Act As If” I have learned this concept from Jack Canfield book – How to Get from Where you are to where you want to Be.

Believe and act as if it were impossible to fail.

-Charles F. Kettering

Folks, you need to believe with conviction, that if you act in certain way, it is impossible to fail, suppose you want to be a manager of your team, and currently you are a team member, now using Act As If – principal. You will talk the way manager talks, you will behave like manager behave, you will walk like manager walks, you will observe your manager and copy his/her style of working, his attitude… don’t laugh, it works.

You need to believe that, you are a manager at subconscious level, then only your subconscious mind will hand over a plan to be a manager, soon you will be a manager, much faster than if things go normally.

The Law of Attraction says that – LIKE ATTRACTS LIKE. The more you visualize something, the more you create vibration to achieve it, you need to generate feelings, that you have already achieved your goal, once you achieve your goal mentally, you will much faster achieve your goal, becoming true before your eyes physically.

I am telling again if you master it, you wouldn’t have difficulty in mastering anything, things will happen naturally.

Suppose you want to throw a party for your family & friends, and you have limited budget for party, so you don’t want it to be expensive anyway……

It is important that you generate feelings, you will Act As If you are already rich, you need to Act As If you are already a millionaire, for a movement forget about money, expenses, that it’s impossible etc.

Wear expensive shirt, trousers, your closet have. Go to the expensive stores, without worrying, about cost, look for expensive clothes, look for expensive shirt, look for cloth texture, it’s colour, if possible give it a try – feel how it looks on you.

Go, to expensive luxuries 5 star hotels, sit there – spend some time there, enquire that you want to hold party…

Is it good to hold a party in open? in some hotel lawn or in hotel cafeteria?

Do you need to hold party in open roof top or in some close places etc, close your eyes and feel how your family & friends will react once you invite them for a party?

How, you will react on seeing friends in hotel lobby?

How you will talk to friends in hotel etc.

What you will say to your family & friends in hotel?

See yourself spending quality time with family & friends in hotel.

See yourself organizing party & caring family & friends in hotel.

Now, go to expensive jewellery stores, look for expensive jewellery, and see yourself purchasing expensive jewellery for your spouse for party.

Now, go to child cloth store, see yourself, purchasing expensive clothes for your son/daughter.

Do, more such things the more you do the better for you, act as If you are already doing such things, though you have never done such things in your life, and soon you will see things will flash more easily in your life, things keep coming, don’t put breaks on your dreams…

GOD BLESS YOU.

CHAPTER 06

PERSISTENCE

“Persistence is to the character of man as carbon is to steel.”

― Napoleon Hill

Simple Definition of persistence:

the quality that allows someone to continue doing something or trying to do something even though it is difficult or opposed by other people.

the state of occurring or existing beyond the usual, expected, or normal time.

We clearly know what persistence means, or we can say persistence can keep us going on, in-spite of any obstacle we can imagine. I think there is no difficulty in understanding definition of persistence but we fail, and we normally quit trying, and easily get discouraged with few failures.

A great example of NOT persisting, and understand that why we should persist?

Are you three feet from gold?

Today, I was listening to the audio book of ‘Think and Grow Rich’ by Napoleon Hill, as I gazed out of the window of the car, that was carrying me. It’s not the first time, I have listened to it, but I get something more each time I do.

Here is a famous story that Napoleon Hill relates in the book:

Three Feet From Gold – The Story of R.U Darby – three feet from gold.

In the 1860′s R.U. Darby and his uncle, joined the American gold Rush, and bought a plot of land in Colorado where gold deposits had been found.

After he acquired the land and the necessary mining machinery, they set to work in earnest. However after a number of weeks of digging the vein of gold that Darby, and his uncle were following had completely disappeared. Disappointed and defeated Darby decided to cut his losses, and sold everything to a junk man for a fraction of the cost.

Well, it turned out that this junk man, decided to get a second opinion on the land, and hired a professional surveyor, who concluded, that there was actually a very large gold deposit very close to where Darby had stopped digging.

In fact it turned out, to be just the same, three feet away! Darby had literally turned back just before he hit a fortune in gold.

Even though Darby later went on to build his wealth selling insurance, this was a bitter lesson, he would never forget.

The junk man on the other hand made millions, from the land Darby had abandoned three feet from gold.

You are three feet from gold?

This is a lesson for anyone who gets easily discouraged by disappointing results, he/she needs to persist until they reach a goal, so Folks, never ever give up!

We are now living at a time, that many are calling the digital gold rush, yet many who would like to make money online are still struggling. In this digital economy there are however plenty of ordinary people who are cashing in, and creating a life of wealth and freedom for themselves by learning a few simple strategies…

So why can’t you?

Yes, there is a lot of hype and plenty of dead ends out there, but this is no reason to give up looking. If, I could show you a way to get started with minimal investment, and no technical knowledge would you take it?

In fact, I think you are closer than 3 feet from gold, I think you are few clicks from gold!!!

Just take a few moments to visit my website, and have a look at an opportunity you now have at your finger tips, and find out that how we can work together, I will happy to help you.

Okay, Let me tell you a story from my own life, example of persistence. I am having a health insurance from different company for many years, but not from this company.

Story goes like this:

In year July, 2015 agent of health insurance company Max Bupa called me and said benefits regarding new health policy over my existing health policy to which I said “I am not interested in this policy, please don’t call me again.” and disconnected the call.

Two day later, this person called me again for second time, and told me regarding other policy benefits hearing this, I said “I am not interested in other policy benefits, don’t call me again” and disconnected the call. A week passed this person again called me, and said about family floater etc hearing him, I said “didn’t I told you last two times not to call me? next time don’t call me. okay”. But this person again called me, for the fourth time, hearing his voice I said “I am busy in something, and I am not at all interested in Max Bupa policy so stop calling me”!

But this person has not hesitated to call me again for fifth time, after listening so many no’s, he said “Good Morning Sir, how are you?” to which I said “I am doing good, didn’t I told you last four time that not to call me, then why you have called me again?” to which he said “Sir, I have called you to discuss about discount on policy premium, and new sum insured.” listen this I said “okay, send me details on my email, if I find policy details good then I will contact you.” two days later, I called this person and said “I find your policy okay, what is the premium I need to pay?” listening this he said “[_ Thank you sir for choosing us, your policy premium is Rs _________ and sum insured is Rs _________ ]” to which I said “[_you know that you are only able to make policy sale because, you have refused to get discouraged by NO’s, and keep on calling me again & again, in-spite of my telling not to call me, always keep this winning attitude, thank you…]” and I have disconnected the call.

He was only able to get policy sale because he persisted, he didn’t get discouraged by no’s, he didn’t get success in first or second or third or fourth call he made! you know that largest policy sales comes after 4-5 no’s, I am not from insurance industry or possess insurance background but insurance companies can tell you more on this…

Okay, here is one more story from my own life on persistence, when I was trying to get my first book published.

I have read in few article and watched some interviews of publishers that certain publisher are always looking for new talents and promotes new authors, hence I got existed and thought how easy to get your book published… I have written email and called many publisher to get my book published, shared manuscript of my book to many publisher, basically there are two type of publisher, first: traditional publisher which is of cheap, as all cost of publishing & printing book is taken by publisher also lots of marketing activities, are done by publisher, or its PR agency, second: self-publishing, where all cost of publishing & printing book, is taken by author, here marketing expenses are done by author, so cost of book is high as compared to traditional publisher. I have called / written email to approx 110 publisher of which 80 are Indian publisher and approx 30 are International publisher, some of them said:

Give me two months to revert but they never reverted…

We only do fiction books.

We only do educational books.

We are looking for non-fiction romantic story.

We will call back once your material is approved by book review committee.

I am travelling, will call you once back, I am still waiting for their coming to homeland.

This year limit of taking new authors is filled up! better luck next time…

We don’t do any business with unknown authors.

We only work with limited authors, sorry we can’t take you etc.

It goes for approx eight months one Australian based self-publisher called me up, and said “most of the traditional publisher is looking for new authors, who has already written book, and his book has created demand in marketplace, so, there no point of writing e-mails, or calling traditional publishers, as they will never publish your book, you are left with self-publishing mode consider us, we will offer…” but, I never thought of quitting and never get discouraged by 110 NO’s. As persistence, is the force that keep me going also, I write because I love to writing, finally I got my book published: “Art of Investing – think like investor NOT as a trader

But it is also TRUE, that we get easily distracted from our goals & dreams by few failures, when going gets tough our mind conveys us that it is good for us to QUIT, GIVE UP!, it is OVER, no point of CONTINUING, you have reached DEAD-END now etc, so we ask ourselves “well it seems tough, should I quit?” now our subconscious mind, is put on work, and it gives proofs, from old stories, and tell us we should quit!!! based on judgment/opinion of subconscious mind, finally we decide that we should QUIT

If you limit your choice only to what seems possible or reasonable, you disconnect yourself from what you truly want, and all that is left is a compromise.

― Robert Fritz

Folks, failure is never final, it is only temporary setback but, if you decide to QUIT, and stop trying then failure become final, and you have to LIVE/DIE with this reality.

-Sanjay

Friends, stop saying, I wish I had!, and start dreaming, writing your goals on papers, and remember NEVER ever quit…

People will say “Sanjay, how can I get something, if I don’t wish for it?”

Folks, wish list has no power in it, because there is no dead line to achieve it, or there is no burning desire, and action plan to execute your wish list.

If you wish something, and you write down your wish on paper, with end date, with action plan to achieve it, and burning desire with a reason that – why you need that thing? then it is no longer your wish, your mere wish, is converted into goal.

You, should have goals not wish-list, then write your goals on papers, and make sure to have end date on your goals; you should have goals such as “I will be driving BMW on or before 31-Dec-2025”

[* There is huge difference between wishing for riches and getting ready for riches unfortunately 94-95% people wish for getting rich. And money flows to 5-6% of people!!! *]

-Sanjay

I know many people who wishes for more money, more luxury, more time to spend with family, friends, and loved ones, more vacations, more luxuries trips and more free time to do the things they love most, but wishing never works, or money start to flow by just wishing? NO NO money do not works this way!!!

GOD BLESS YOU.

CHAPTER 07

GRATITUDE

Minimum possession + Emotional Intelligence + Attitude of Gratitude = Maximum Happiness

-Sanjay

When I was a kid my father used to say, “We would have been very rich if, I had been able to start a bread factory for which I needed Rs. 7,000(US $104.72) which was denied me at the last moment.” I don’t want to go into details, but all this depends on the vibration you are sending to the universe. Are we sending positive vibes or negative vibes to others?

If we are thinking positive thoughts about others, and helping them achieve their goals and dreams (you don’t have to invest your money, just two minutes of daily prayers will do), how is it possible that your goals and dreams are not fulfilled? The universe never leaves anything in vacuum.

The following lines should be repeated, ten times in the morning after waking up, and ten times in the evening before going to bed. It works like magic. Please do it. The theory behind this is – if you are not grateful to the universe (God or the supreme power) for the things you already have (that were given to you by the universe), then what is the guarantee that you will be grateful to the universe for your future goals and dreams?

“I AM SO HAPPY AND GRATEFUL FOR EVERY LITTLE THING THAT MY LIFE HAS BEEN BLESSED WITH.”

-Sanjay

You need to understand that “As we sow, so shall we reap.” People are not clear about their dreams and goals (their own, not those of their parents, partners or friends). I think most of you have seen the movie ‘3 Idiots.’

In the film, from the day Farhan Qureshi was born, his father proclaimed that he would be an engineer. But when he got admission into an engineering college, he realised that being an engineer was never his dream. It was his father’s dream. Out of love and respect, he tried to fulfil what his father wanted for him! even though it was not what he himself wanted. He pursued engineering only to please his father and make him happy. He had a passion for photography and his dream was to become a wildlife photographer.

Aren’t most people doing the same thing? People who see the film criticize the father, whereas at home they behave the same way! People not only choose what they love to do in their own lives, but choose for others as well. If this rule is true, then you should have the right to choose for their lives as well. So, follow your dreams, not those of your parents, partners or friends.

My wife loves her job so much that she can’t think of leaving it or retiring. She has great passion for her work. I, on the other hand, don’t have the same passion for a job. My passion lies in stocks, mutual funds, and motivating people. To come out of their financial mess. People always want to dominate and control you. You can’t imagine how they control you, and make you obey their orders. If you are smart and refuse to obey their orders, they play emotional games with you, and at times emotional games and tricks they play gets very dirty and painful. Ultimately you are left with no choice but to fulfil their ill wishes and greedy choices.

If you revert back with even 10% of what they said to you, they refuse to listen and shout at you. Then they say, “ You accepted this decision, you were happy about it. If things are bad now, you can’t blame us.” Well, if things were that good and every decision according to my desire, then why I was living a depressed life and having suicidal thoughts till 2008? To stop these noises from interfering with your life, tell these guys to SHUT UP! Respect is earned, not demanded. Even if they are older than you, then also you can still make a choice and say NO to them.

It is all in the vibrations that you are sending out to the universe. You can’t fool the universe. The TRUTH will not change if you deny it. Don’t live your life trying to fulfil other people’s goals and dreams.

You love your family, and friends and do many things out of respect for them! they too need to understand their boundaries in the relationship. If the relationship is getting abusive, you must leave it. There is no point in sticking on to an unhealthy relationship.

I call such people extra-smart people. They are everywhere. You don’t need special eyes to find them. Remember the following words and repeat them to yourself everyday:

Ask, and it will be given to you.

Seek, and you will find.

Knock, and it will be opened for you.

I would like to thank self-help books and videos, including the wonderful video by T.S. Madaan. My intention was never to hurt anybody. Over the years I have never shared my feelings, frustrations, anger and anguish with anybody. Only Garima knows a little about them (and she is not interested in talking about my past life). Usually, there are 3 types of people.

1. Winners

2. Losers

3. And people who don’t know how to win

I have gone through all the 3 stages, and in the process discovered how to WIN. Now I clearly know, what should be done to win and, how it feels to be a WINNER. I understand the power of good stocks and systematic investments called SIP.

I have discovered how to live a blissful HAPPY life. And the power of a great investment portfolio. Therefore, through this book, I am sharing some of my experiences and feelings on this subject.

You need to do POWER POSING. It is a very powerful thing. I do it a lot and have achieved the impossible with it. I am not asking you to do this in front of everybody, or in the interview room, or on a negotiation table when you are about to sign a big deal. But you can go inside a washroom, where nobody is watching you! Stand there in power pose for TWO MINUTES. Close your eyes and visualize yourself achieving success in whatever you are there for. And say to yourself, “Yes, I did it.” You need not say this loudly. You can say it quietly to yourself. Don’t bother if you fail in the interview or aren’t able to get that deal through. You will not get results immediately. But keep doing it, and believe in the power posing. Then, see what happens. Power posing raises testosterone levels and lowers the stress hormone called cortisol. That’s not all. Something bigger happens at the subconscious level and after some time, your subconscious mind starts believing that you can do it! It starts creating circumstances to make it possible. And wonderful things begin to happen. I will share more on the power of the subconscious mind in my motivational books. I learned about this a few years ago from Amy Cuddy, TED Talks.

Let me give you an example from my own life. I watch the film, ‘Law of Attraction’ quite often. I have watched it more than 50 times already. A few years ago, I started losing my hair. It grew more and more thin every day. I tried many hair creams, hair oils, popped tablets and wasted more than Rs. 50,000 (approx. $750 USD) to stop my hair from falling, and to grow it back. But nothing helped. The more I worried, the more the hair loss. I got really anxious. A lot of balding people feel the same way. Though my hair had not fallen so much that I looked completely bald, but patches of baldness could be noticed all over my head.

One night, two years ago, I had a nightmare that I was completely bald, with not a single strand of hair on my head. I was in a party where there were some friends, from my previous company. One of them said, “Sanjay, four years ago, when we were working together, you looked so good. Now you are bald!” He began to make fun of me. I noticed some other friends also laughed at me. This was too much for me to handle. I left the party. When I was taking my car out through the driveway, my wife said to me, “Why did you ruin our evening? They were just kidding. If you are bald, accept it. There is nothing wrong in accepting facts!” I woke up from my nightmare and looked at the clock. It was 2 am in the cold winter night. I touched my head and looked at myself in the mirror. I still had hair. I was happy. That night, I decided to do something about my problem. I watched many YouTube videos, searched through many Google pages, read many articles and many websites, but nothing was convincing. Then, around 5 am in the morning, a thought struck my mind. If the Law of Attraction is so powerful, and works for those who BELIEVE. It should work for me as well. I visualize myself with hair like Hrithik Roshan, the actor. I would love to have hair and a body like his. From that day onwards, I started to visualize myself with hair like Hrithik Roshan’s. Every morning and evening, I would stand before the mirror and say to myself, “Sanjay, you look pretty good. You have hair like Hrithik Roshan’s. Jhakaas!” (Jhakas means superb. It is a word made popular by the actor Anil Kapoor.) I did this exercise daily, after waking up in the morning and before going to bed. The next time I went to a salon for a haircut, I asked the barber, “Can you see any new hair growing on my head?” “No,” he replied. It was the same answer for 8 months, but I was not ready to quit! I kept on with this exercise! and asked the barber the same question, every time I went for a hair-cut. A few months ago, when I visited the salon, my barber finally said, “Sir, there is a little new hair growing. I can see your bald patches getting covered!” Hearing this, I was overjoyed, and immediately thanked God.

A few months later, I visited my father in Meerut. He said, “Sanju(my pet name), I have noticed, you have some new hair growing!” To this I replied, “Thank you, Papa. It happened because of positive thinking, I developed.” I had finally got an acknowledgement from my father. That, I always love to listen. Once again, I thanked God!

To give power to your goals and dreams, you need to envision things. With your mind’s eye, you need to see, and believe in the things which others can’t see or believe in. People believe only what they see. If they can’t, they will discourage you and give you reasons why it is not possible? Why listen to negative words and get discouraged? Give credits to people due to them. In the year 2008, when I was going through the worst part of my life, and it was getting difficult for me to handle life’s turmoil, I was living with the idea that nothing was good in me. That nobody liked me. People had wronged me, tricked me and played with my emotions. My past was haunting me and, I began to feel suicidal. I would visualize how my previous bosses had humiliated me. One had said, “What I have seen in you that made me, hire you?” I remembered another time, when I was sitting with my boss, for my annual review. To show his power and arrogance, he put both his both legs up on my chair. That was the worst day of my life. I was so humiliated that not only did I decide to quit my job (where I was considered a complete nobody) but to end my life as well.

I will take this opportunity, to say a few words to that gentleman – maybe you have achieved great things in the US, or you are considered a God, in the company you work for. But remember, you are NOT GOD! The universe never leaves anything in vacuum. If the same things happen to your son someday, and he too is humiliated in the same way as you humiliated others, how will you feel? I have already forgiven you, but remember God will not. Someday, you will have to pay the price for your sins.

I couldn’t visualize my daughter in tears, growing up hating her father, thinking of me as a coward! so, I was not okay to take that dirty step(to end my life), actually I was not being able to get solutions to the problems in my life quickly. a year later, I came across a YouTube video on the life of Gautama Buddha. I became deeply interested in the words of Buddha, and felt inspired by his search for the truth. I had finally got the answers I was looking for. I was not at peace , so I decided to do something that would help others. I started contributing to UNICEF, then SAVE THE CHILDREN, then HABITAT. But I was not contributing with discipline. Some months, I’d contribute a lot and some months, I’d contribute nothing. But in August 2014, when Narendra Modi became India's Prime Minister, I decided to contribute 1% of my earnings to the PM relief fund, every month, without a break. Also, I have made a commitment, to myself that I will give 5% of whatever I earn from my company or as royalties, from my books to the PM relief fund.

“THE SECRET OF HAPPY LIVING IS GIVING

-Sanjay

I am not asking you to contribute to the PM relief fund. But give something to the poor, through any charity you like. Actually, I want to contribute more for the poor, but I find it difficult to trust any charity. There are so many fraudulent trusts operating all around, and I don’t have the time to investigate them. That is why I decided to contribute to the PM relief fund. Some may say that there is cheating at that level too. If you think that way! then there is a big problem with you. If you doubt everybody, then you can’t start contributing, and can never help anyone in your life! I have seen a lot of people, who have a trust deficit issues.

Many say, “I contribute by donating my old clothes.” That is good, but you are just cleaning your wardrobe. So, start with small contributions. Help the poor, people who are not as privileged as you. There is no rule that you have to start with 1%. You can even start with 0.1%. Just make sure you do it! Please do not procrastinate this.

I have many stocks in my portfolio, which I have purchased at the lowest point of the day, and sold at higher points of the day, and never touched that height again.

If you start by contributing even 1% of your profits to poor, what will happen is that this 1% will apply its force on the universe, and you will end up with more profits. So, generate in yourself “The Joy Of Giving.” It is the ultimate secret.

In August - September 2015, Indian markets went through a large correction due to the China factor. My portfolio lost 30% of its value from its high. As a result, I churned a lot of shares and purchased some really quality stock, but the market kept going down. My quality stocks also went down. I said to myself, “ Sanjay, hold on. You are not giving properly.” So, I quickly made a contribution to the PM relief fund. The next morning, I saw some poor children walking on the streets. I gave them some money and to other groups of children. Today, on the 12th of September 2015, as I write this, my portfolio has already recovered 10% of its value from its low. What changed? I can't explain how it works, but it works amazingly well. No cheating is allowed as you cannot cheat the universe, and your subconscious mind records everything that you are doing.

I made bigger profits when I tied my returns with these activities.

This is the ultimate secret. It will bring you more happiness, and joy than you can imagine. You will have more riches. Just do this and you can enjoy all the luxuries that you have imagined. You know, if I have to list the names of the people who have wronged me, the list will contain less than 10 names. (I don’t hate them. I have already forgiven them, though I still do not like what they did.) But if I list the names of people who have helped me, the list will contain hundreds, if not thousands of names. You need to find something to appreciate each day. Develop a habit of looking for good in others. If you notice that people are not smiling:) it means that you too are not smiling:) smile and they will smile back!

There was a time when I did not have a chronograph watch. I would dream of owning a Tissot, and was planning to buy one. At that time, my bro-in-law, Saurabh, bought me a Swatch watch from Switzerland. Though I had visualized a white coloured dial, it has a dial whose colour was similar to the BMW logo. So, I told him, “That’s great! Now have to buy a BMW to match this!” Thank you, Saurabh, for the lovely watch you bought for me.

You need to give people the credit due to them. Say thank you often. Respect people. And don’t judge people by their status. Give respect and love freely. If you can’t say something good about something, or somebody then don’t say anything at all. Keep your mouth shut. Don’t say anything bad about anybody. (Stop yourself from offloading dirt from your mind onto others.)

“FORGIVE PEOPLE WHO HAVE WRONGED YOU.”

-Sanjay

Forgiving! It means that you have to forgive people who have wronged you, caused you pain, or broken your trust. However, you should not forget the lessons that the experience taught you. These are important lessons that life has taught you, so be sure to remember them. Life is too short to live with the pain they caused.

Forgive anyone who has caused you pain or harm. Keep in mind that forgiving is not for others. It is for you. Forgiving is not forgetting. It is remembering without anger. It frees your power, heals your body, mind and spirit.

Forgiveness opens up a pathway to a new place of peace where you can persist despite what has happened to you. Forgive yourself and create a place of freedom, inner strength and serenity within you. Affirm to yourself – I am now free. Peace, love, and harmony are within and around me. You have something special. You have GREATNESS within you!

- Les Brown

You might ask, “Sanjay, if you are so rich then why are you not living in a villa? or why don’t you drive a XUV?” well, I was greatly influenced by Robert Kiyosaki’s book, ‘[Rich Dad Poor Dad._]’ One important message that is still clear in my mind is, ‘[*Accumulate Assets not Liabilities.’] House and car are liabilities (though middle class people consider them assets). People don’t know the difference between assets and liabilities, and _*accumulate liabilities thinking that they are assets. If your house is not generating an income for you, then it is a liability. Only if your house is on rent, can then only it be considered an asset!

Secondly, Kiyosaki suggested that you can accumulate liability, if you have a supporting income for it. It means that you should not buy a liability by selling assets. So, I don’t want to sell my assets to accumulate liability. Also my assets haven’t grown to such size that I can buy liability, and I don’t want to accumulate liability with a bank loan, where I will end up paying for liability with asset income. You know, I have gone many times with my wife, and property brokers to purchase villas/apartments. But I have always backed out from the deal, with some excuse or other. Now, it seems the whole world has come to know the truth, including my wife, but that’s okay. Also, I have some good neighbours whom I don’t want to move away from! People may say, “Everything is good, but POWER POSING should not be part of the Gratitude chapter.” I also thought so initially. Then, I decided to place power posing in the Gratitude chapter because if you can’t love and respect yourself, how can you love and respect others?

GOD BLESS YOU.

###

Thank you for reading my book. If you enjoyed it, won’t you please take a moment to leave me a review at your favorite retailer?

Thanks!

Sanjay Gupta

http://www.dreamsanjay.com

mailto: [email protected]

About the author:

My name is Sanjay Gupta having 41+ years of age, I was born in Jhansi, India and moved to Meerut, India, when I was some 8-9 years of age. So my childhood was spent in Meerut though my early kids’ years spent in Jhansi and grown-up missing Jhansi. I was ordinary person living ordinary life, problem got started from 2004, and was on peak in the year 2008. When I was blamed for everything that went wrong, so ultimately in 2008. I decided to end my life, suicidal thoughts was flourishing my mind, and I thought it was the best decision, I can take, but something has stopped me from taking that dirty step!

Through my book, I am sharing vast knowledge I have acquired which life has taught me, (different complexities of human behaviour specially in bad times), In my book, you will find out only things which worked, which I have used to come winner from depressed and full of suicidal thought individual, I have enjoyed a long career working as an IT professional with company like Churchill (now RBS), Fidelity, MindTree, IBT.

Currently, I am not working in any company as I have quit my job which I never liked, infact I was not passionate about IT job (9am-6pm : Monday to Friday really, we work in Dreams), the truth is IT jobs was NOT MY CUP OF TEA.

I am sharing my life experience & lessons that life has taught from time to time, through my book and self publishing is best way to reach great readers, like you fast and quickly. (I will be highly surprised, if you implemented the concepts I shared, not able to bring any changes in your destiny, develop patience, your destiny will change in NEXT 4-5 years, as mine… Thank You!)

Shakespir Interview hyperlink:https://www.Shakespir.com/interview/dreamsanjay

Discover other titles by Sanjay Gupta:

Art Of Investing

Connect with Me:

Follow me on Twitter: http://twitter.com/@motivatorsanjay

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ACKNOWLEDGEMENTS

In the process of completing this book, I pay my gratitude to following sites, which are referred by me, to collect helpful information required:

http://www.thinkrupee.com

https://www.ted.com/speakers/bill_gates

http://www.fool.com/investing/beginning/2015/05/09/warren-buffetts-names-his-5-factors-for-investing.aspx

http://www.investopedia.com/ask/answers/021015/whats-largest-charitable-donation-warren-buffett-ever-made.asp

http://yourstory.com/2012/07/the-story-of-colonel-sanders-a-man-who-started-at-65-and-failed-1009-times-before-succeeding/ & http://inspire99.com/kfc-story-motivation/

http://career.missouri.edu/ & https://passiontribe.com/find-passion-5-tips-get-started/

http://familyshare.com/growth/6-ways-to-find-joy-in-lifes-journey

https://www.dailyworth.com/posts/2043-how-i-found-financial-freedom/1

http://www.inc.com/bill-carmody/7-simple-steps-to-financial-freedom.html

http://www.merriam-webster.com/dictionary/persistence

Other must read books:

Money Master the Game 7 Simple Steps to Financial Freedom by –Tony Robbins

The Law of Success by -Napoleon Hill

Think and Grow Rich by -Napoleon Hill

Art of Investing by -Sanjay Gupta

How to Get from Where you are to Where you want to Be by -Jack Canfield

Eat that Frog! by -Brian Tracy

The Keys to Success by -Jim Rohn

How to Attract Money by -Dr Joseph Murphy


say YES to SUCCESS, start dreaming rich life now

My name is Sanjay Gupta having 41+ years of age, I was born in Jhansi, India and moved to Meerut, India, when I was some 8-9 years of age. So my childhood was spent in Meerut though my early kids’ years spent in Jhansi and grown-up missing Jhansi. I was ordinary person living ordinary life, problem got started from 2004, and was on peak in the year 2008. When I was blamed for everything that went wrong, so ultimately in 2008. I decided to end my life, suicidal thoughts was flourishing my mind, and I thought it was the best decision, I can take, but something has stopped me from taking that dirty step! Through my book, I am sharing vast knowledge I have acquired which life has taught me, (different complexities of human behaviour specially in bad times), In my book, you will find out only things which worked, which I have used to come winner from depressed and full of suicidal thought individual, I have enjoyed a long career working as an IT professional with company like Churchill (now RBS), Fidelity, MindTree, IBT. Currently, I am not working in any company as I have quit my job which I never liked, in-fact I was not passionate about IT job (9am-6pm : Monday to Friday really, we work in Dreams), the truth is IT jobs was NOT MY CUP OF TEA. I am sharing my life experience & lessons that life has taught from time to time, through my book and self publishing is best way to reach great readers, like you fast and quickly. (I will be highly surprised, if you implemented the concepts I shared, not able to bring any changes in your destiny, develop patience, your destiny will change in NEXT 4-5 years, as mine... Thank You!)

  • ISBN: 9781370533954
  • Author: Sanjay Gupta
  • Published: 2016-08-24 08:35:14
  • Words: 24604
say YES to SUCCESS, start dreaming rich life now say YES to SUCCESS, start dreaming rich life now