Financial Literacy from SEBI for All [Must Read]

Financial Literacy from SEBI. Click on the following links to download the reading material:

Please spread awareness about importance financial planning to your family members, friends and all your well wishers.

10 Signs Someone Is Smarter Than You

Unless you think you’re the smartest, who doesn’t want to be smarter? Of course I want to be smarter too, so I try to find out who’s the real smart guy that maybe I can learn from. James Gardner has got me an answer on Quoraabout whether someone’s smart or not.

Here are the signs of smart people:

1. They don’t talk as much as you do, because they know they got smart by listening.

2. They know lots of things other than what they’re specialised in. Theirs is the gift of a broad mind, constantly fed with the stimulant of being interested in what everyone else is doing.

3. They juggle home, work and personal interests with dexterity and never fall back on the tired old refrain about “work life balance”. And when they’re juggling, they somehow manage to seem 100% engaged with what they’re doing, on all fronts simultaneously, even though you know they’re taking appropriate steps behind the scenes to make sure their lives are perfectly, serenely balanced.

4. They probably do social media. Not always, but probably. It is not only another chance to listen, but one they use to ensure they can feed their brains with things they otherwise won’t have come across.

5. Even when things go very badly wrong, they’ll be smiling. Smart people never get ruffled because their smart brains present them with alternatives faster than the bad stuff can happen.

6. They know they are usually the smartest person in the room, but they don’t spend their time dwelling on that. Instead, they take it as a personal challenge to see if they can make everyone else the smartest person in the room too.

7. If they are managers, they will make every effort to get people smarter, more connected and more popular than them in their teams. They’re not threatened because they know that smartness is synergistic. They also make sure that their smart people get to look smarter than them for the same reason.

8. They have hidden skills that never get rolled out until they’re needed. They don’t have any need to show their full capabilities for reasons of proving they’re better than others.

9. They may or may not have expensive educations. You’d never know just by being with them unless you had their CV in front of you.

10. They never, ever, under any circumstances, make you look stupid, even though it would be easy to do so. They’ve learned through bitter experience that the only thing that happens when you make someone look bad is you look bad yourself.

Now you should know who the smart people are. If you want to be the smart one, let me give you this extra advice from Steve Jobs “Stay hungry. Stay foolish.”

Power of lists 

A college professor once shared with me one of the greatest lessons he learned in 25 years of teaching.

“You can speak wisely and eloquently about a topic, describing how it works, hoping to show students the way, and they will sit and watch you without taking a note or writing anything down of the inspiring points you think you’re making.

But say something like ‘there are really 10 things you need to know about this’ and pens come out, notebooks are opened, heads tilt forward and hands are poised in anticipation of truth.”

We like things that come in numbers. Numbers provide clarity and certainty, a sense that all deliberations are done, the excess carved away and the essentials delivered in a tidy package.

In short, lists have power to drive action when words fall on deaf ears.

So it is within organizations. Think of how many times you’ve seen lists starting at the Fortune 500: “The 100 Most Admired Companies,” “7 Habits of Effective People,” “The 5 Things Every Good Manager Does” and “The 6 Things No Manager Should Ever Do.”

There are two types of lists. There are those that come to us from outside, and those that we make up ourselves. The more powerful kind, of course, is the lists you come up with yourself.

Let’s take that lesson and apply it to how we manage other people.

Talent managers talk about engaging and involving people by hiring expensive consulting firms and providing other intellectual resources to help the effort. But I’ve learned over the decades that the best way to engage people is to personally involve them in the problem-solving or idea-generation process.

The same goes for lists. I used to ask my staff to come up with lists to solve problems. The first time I tried this in a new job, I received a rather moderate response. While there were some early growing pains to this management approach, in time it became a fruitful exercise.

This happened for two reasons: The first being that we solved problems faster; the second being that my staff felt a greater stake in the decision-making process, and therefore felt more engaged.

Here is another way to use lists. When we would have staff meetings to discuss issues or share news, I would ask them to make up a personal list based on their experience.

Don’t be afraid to have fun with the list-making approach. Having fun, after all, is one of the healthiest ways to manage a department. Everyone needs fun in his or her lives.

Make your personal list of five fun things you like to do. Then, go do them.

Must Read about your KYC docs

Dear All,


Wanted to highlight one very important aspect.

 In ordinary course we keep issuing and submitting our KYC documents (identity and residential proofs..such as PAN card, electricity bill etc.) to various people. 

For housing or car or other loans, bank accounts,or even for buying new sim card we submit these documents.

 At almost all these places they ask for self certification on these documents. We immediately sign those documents and hand over.

 Just imagine your self certified copies are freely available in the hands of such persons & those documents can be used by him for EVERYTHING! 

Its really serious and its been seen that in most of the terrorist activities, KYC documents are sourced from the SIM card sellers. 

Hence, please inculcate a habit of writting the purpose for which you are submitting the self certified KYC Documents so that those documents cannot be used again. 

Secrets To Get Along With Difficult People

We all have difficult people in our lives. You know-the ones you dread talking to; the ones you try to avoid at all costs. They may be your ex-spouse, a co-worker, or a family member; they may be a bully, a control freak, passive-aggressive or someone who loves to play the role of victim.

So, how do we deal with these people? How can we work together productively, whether in a parenting, a working, or a family relationship?Here are a few secrets to being able to keep your cool when dealing with that difficult person in your life:

1. Know Your Triggers

Self-knowledge is powerful.
We all have subjects and idiosyncrasies that push our buttons, and I can almost guarantee that the difficult person in your life knows what those are-but do you? Spend some time exploring what really ticks you off. Is it when somebody talks about politics, money, or your family?

Once you have your list of those trigger buttons, you are ready to arm yourself.
Create a plan. What will you do when the conversation steers dangerously close to one of your buttons?
You can practice deep breathing, take a short time-out, walk away from the conversation, or any combination of the three. Whatever allows you to center yourself and regain your focus on the purpose of the conversation will work.

2. The STOP Phrases

If you are having a conversation with a difficult person and you just want it to end, these phrases seem to do the trick (or at least take the wind out of the other person’s sails).”Sorry you feel that way.”
“That’s your opinion.”
“Oh.””Perhaps you’re right.”
If you just repeat these phrases over and over during the conversation, eventually the other person will give up trying to get you to join the argument.

3. Resist the Temptation to get Sucked In

Difficult people want to engage you: don’t fall for that trap. Listen to what you’re saying: are you trying to justify, argue, defend, or explain your position? If you are, stop. If you don’t, the conversation will just continue to go around in circles. You will never change the mind of a difficult person-otherwise you probably wouldn’t be seeing them as “difficult.”

4. The Big One

While the 3 secrets above can help you to avoid or get out of an uncomfortable conversation with a difficult person, there is one secret that can truly change your relationship with that person in your life: that secret is, that they are human, and are dealing with their own issues and their own crap that they’re bringing to the table.
Their difficult behaviors are benefiting them in some way that helps them deal with those issues, and most of the time their behavior has nothing to do with you.
A person might feel more secure when they are bullying someone or controlling others, or they might feel a sense of importance when they’re getting a lot of attention-even negative attention. They might try to gain a sense of belonging by playing the victim and getting others to help them, or someone who’s inflicting hurt and provoking hostility might be trying to protect his own sense of identity.

If we take the time to figure out what unconscious beliefs may be behind someone’s difficult behavior, we may be able to change our interaction with them and improve our relationship. Once you figure out what may be driving their behavior, you can begin to try different ways to help them get their emotional needs met without resorting to that behavior any longer.The main idea here is to tap into your empathy pool and realize that the person you see as the bane of your existence is just another human being trying to get along as best they can.

A Final Thought
Yes, sometimes we have to disengage in order to save our sanity, but keep in mind that everybody is doing the best they can with the emotional tools they have at their disposal. It is possible to get past our reactions to their difficult behaviors so that we may be able to do our part in building a calmer, more productive relationship, and in the end, this is all we can truly control-our own reactions.

You never know-one day, you may actually look forward to seeing these people.