Wednesday, September 7, 2022

Crorepati Bhava


 

Crorepati Bhava

Start a small SIP now and it can grow into crores in year 2047, India’s 100th year of independence.

SIP of Rs.7,500 can grow to 2.06 Crores

SIP of Rs.10,000 can grow to 2.75 Crores

SIP of Rs.20,000 can grow to 5.50 Crores

• In year 2047. Assumed returns of 15%.



Mutual fund investments are subject to market risks. Please read the offer document before investing.

                                        

                                        

                                    



Insurance or Investment

What comes first? - Insurance or Investment 

Many prospective investors come to me asking for schemes where they can get good returns.

But I don't start with investments. I start by asking them if they have taken health insurance and life insurance. Mostly, their answer is no. Even if they have taken, the coverage amount is low. It is then, that I tell them they should first buy/increase their health and life insurance cover. The investment comes later.

They say they first want to invest and later on spend on insurance. They consider insurance as an expense. This is so wrong. In fact, money spent on term insurance and health insurance may be the best investment. It safeguards the family if an unfortunate event were to happen.

During a crisis related to health, all your savings could be wiped off without sufficient insurance and in case of death, the family could suffer greatly due to loss of income.

Yes, dealing in investment is my main work but I know; that without proper insurance, investments may not last long.

Do review your life and health insurance. If you want my engagement, I am available.

CFP Vaidy

                                        

                                        

                                    

Friday, August 9, 2019

Worry



Worry is otherwise known as 'fantasized catastrophising' where we create an image of the future and use it to frighten ourselves! Be aware that you are doing it, then stop doing it, otherwise the image will become a self fulfilling prophesy. Imagine only the brightest future, and so it will be (This one is easier said than done) . Besides there is nothing to worry about (This is again perspective, but broadly true ) ... unless you are under the illusion that your well-being and security are dependent on material things. If they are, then you will have many ways in which you can create worry. Possible loss, damage, separation, uncertainty are but a few. Look, you're killing yourself with worry, all because of the misuse of your imagination. Don't do it. ...
I know this post feels too short and incomplete . .  Do revert with suggestions on what else  can be written about . . 

Saturday, August 3, 2019

Simplify Simple

For me Simple means: making things easy; having priorities organised; keeping things short and sweet; maintaining a clear focus.

Living a simple life is a nice idea, but not so simple in a world that's complicated & complex. It's common knowledge that being simple is not easy . 

So can we simplify simple ?? Take one small area of your life today, for example, your email inbox, kitchen shelf, your handbag, your wardrobe..  Simplify one small thing and expand from there...  So, What will you simplify this weekend ??

Please do feel free to revisit this post and add your views, opinions and even results in the comments. . 

Monday, July 22, 2019

Environment

When we look around to examine the state of our environment, which is what we leave behind after developing and exploiting the resources of the planet, many are quick to see pollution and waste. We are not slow in pointing out the damage and the impurities which will be our legacy for the future generations. We are not so quick to spot the impurities which we have allowed to develop and accumulate in our own personal lives. At the level of our thoughts, is every thought a pure and benevolent one (??) , which carries the best wishes for our fellow travellers. Unlikely, as we mostly learn to criticise and complain, attack and blame. At the level of our intentions do we always mean well and want the best for others, or are our intentions sometimes coloured by selfishness or greed? (More often , always !! )  At the level of outcomes do we celebrate the achievements of others as they grow to be all that they can be, or do we stand back in envy or jealousy. Our lives all begin within our own consciousness. The lakes and the landscapes of our mind and intellect are where we all live the most. Do we keep them clean and pure and unspoilt? Can beauty and harmony be found within? No! Then perhaps we need to clean up inside before we condemn others on the outside. Because what is out there is simply a reflection of what is in here! And we are all in it together. Perhaps that is why no one is to blame but we are all responsible ! ! ! ! !

Monday, July 15, 2019

You are a diamond

Just know that you are a diamond - you are pure . . .  You are very precious. . . . Sometimes a diamond may have fallen into the garbage bin.Down in the dumps , you are feeling low. . . .  Full of guilt . . .  and probably ideas of sin etc. But know that you are much  . . . much bigger than your actions, much bigger than your situations and circumstances . . . 

For the diamond to become clear again - it just needs a little water - that's all ! Then it shines brightly again. You are already pure and clean - just a little wash  . . . practice . . meditation . . .contemplation . . B2B . .  and you're back to your true self, your unbounded nature.

Have that sense of purity - and celebrate ! You don't need a reason to celebrate - joy and happiness is your very nature. When you are clear and pure - your true nature shines forth ! Celebration happens  just like that . . . 

Thursday, November 29, 2018

Sandhan Valley Full Descend November 2018





 A brief account of the weekend adventure at Sandhan Valley (Maharashtra)

The post in FB read:  Tattva Adventures Trek to Sandhan Valley (Full Descend) on 17th - 18th Nov 2018 (Leaving on Friday Night 16th Nov 2018)

Sandhan – Full descent had always been a dream trek for me which was finally going to be true after three years of trekking. Had earlier seen the mysterious valley from afar while doing excursions/treks to the surrounding areas. The fascinating play of light and shadow in the Valley, seen from a distance (real or imaginary . . . only added to the mystique)
Detraining at 1.20 am at Kasara Station, our group of 26 huddled  into the few vehicles  and after the usual eagerly looked forward to  ‘tea/coffee/ biryani break’  at the one and only Baba da Dhaba , it was a couple of hours drive to Samrad village. The enthusiastic/not so enthusiastic/sleepy participation in the Antakshari during the drive added to the fun quotient immensely.
Because of the increasing popularity of Sandhan as a trekking destination our trek leads had taken a decision to start the trek immediately without waiting for a break at the Village. The instructions clearly did mention about carrying a good torch with back up batteries. So it was that we started the trek at around 4 a.m.  As my eyes got adjusted to the semi darkness and the eerie shadows playing on the beams of the many torch lights the feeling was most definitely one of eagerly scary anticipation. The surprisingly clear skies with the stars visible while very attractive were not to be admired indefinitely as I had to focus on the uneven rocky patches. A twisted ankle or a cracked shin was not a very pleasant prospect, more so at the beginning of a long and difficult trek. . .  The comforting factor of course for the entire group of adventurers was the absolutely rock solid and competent trek leads, four in all. The two stretches of rappelling and the one stretch of rope descent added immensely to the adventure quotient.
Rappelling long stretch
Rappelling short stretch
Sandhan valley is a Wonder of nature in the midst of the splendid Sahayadri (Western Ghats).You can call it a Water carved valley about  200 ft deep and about 1.5 kms long. Sandhan valley is located on the west side of beautiful Bhandardara region (a fabulous camping spot), near Samrad village. The Valley is surrounded with the mighty Alang, Madan & Kulang (Known as AMK- toughest trek in Sahyadri) Ratangad (had done that trek earlier), Ajoba & Kalsubai (at 5400 ft. the highest peak in Maharashtra) mountain ranges. At some places the width is less than 3 ft making it practically impossible for sunrays to reach and hence the mystically awesome term ‘valley of shadows’.
One of the many narrow paths
 More often, the valley is accessible throughout the year except during peak monsoon. To reach the other end of the gorge you have to cross 2-3 water pools. Water level changes according to seasons, in winter it is up to waist & in summer it is up to knee height (can’t imagine the levels during monsoon!!!). At the end of Valley you get a magnificent view of high cliffs. That is if you have managed to miss the magnificent valley scenes along the way which is hugely possible because you are busy concentrating on where to place the next foot in the extremely uneven rocky landscape. 
 
The Sandhan valley trek incorporates a couple of rappelling stretches and some liberal bits of freehold rock climbing and descending (nay – you can call it sliding with a steep fall on one side). These activities cannot be undertaken very easily by a group of rookies or individual trekkers. You would have to enlist the help of an operator who will, in addition to the technical gear also provide you with the expertise and I daresay moral support.

Another peculiarity of Sandhan Valley . . . The geography keeps changing with existing routes getting blocked up....or new routes opening up depending on the moods of Mother Nature. The few in the group who had done Sandhan Trek multiple times earlier confirmed this fact. As my fellow trekker Niles mentioned the changing landscape was in fact reminiscent of life itself how Change happens and we adjust subsequently. Don’t let the “full descend” term fool you. It is very demanding physically even on the toughest of knees. In fact many trekkers also in the past have confirmed that they find descent more taxing than ascent, during treks. 
 
The fabulously balanced huge boulders added to the beauty of the landscape. Perpetually wet footwear was the norm for the day and on more than one occasion we were wading through knee deep water. 
The very routine knee deep water in many places
The highlight (!!!) of course was when the water was chest high and we carefully trod through it with one hand delicately supporting on the rocky walls and the other precariously balancing the backpack. To their credit the Organizers had warned well in advance about the need to double pack the contents of the bag in water proof covering and also the fact that at places we might have to wade through chest high water.  There never really were any formal breaks for breakfast and lunch, and it was almost always when we were waiting for each other to catch up. There were some absolutely yummy chocolates up for offer. Still not very sure whether it was on account of the Birthday of one of the trekkers (No one was complaining though  )
Blue Lagoon
Fun and frolic at Blue Lagoon
There was opportunity towards the end of the day’s action to frolic in a pond of water rather exotically called Blue Lagoon Pond. 
The opportunity was gratefully taken up by a few enthusiastic swimmers in our group with the others being content to click pics and idle around.
The predominant mood that overshadowed everything else as we approached the dry river bed towards evening was one of relief and gratitude for the plains. The Valley is rocky all the way, and at the end of close to twelve hours of continuous action, the group had just about had more than its share of rocks.  The overnight stay under the clear skies, with Campfire, songs, games and of course yummy local food freshly cooked was like the proverbial cherry on the cake.
Campfire Fun
The enterprising Sachin with local Chef Nana 
Next day morning brought with it the experience of waking up to open skies, freshening up with water from the small body of water nearby and of course attending nature’s call in the open fields !!! Post breakfast it was a couple of hours of absolutely relaxing games. Both the rib tickling and the team building varieties of games saw enthusiastic participation from all.
Krishna - Hanuman Game 
Krishna - Hanuman Game
Cool team building game
 The easy way in which our trek leads displayed fabulous people skills while competently managing the technical aspects of a tough trek spoke volumes about their capabilities. After the games, it was a couple of hours of relaxed  stroll through the fields and a few rocky patches to  Dehne Village, where few more games and  lunch later we proceeded towards Asangaon Railway Station and back to our homes. 
Chale Chalo
Authentic Rural Maharashtrian Lunch
School time Pepsi Cola 
Special mention here also of the opportunity to gorge on the school time ‘Pepsi cola’ 
 The two day experience as always left me grateful for the availability of such magnificent places just a few hours from where we live and also for the sheer affordability of it. As with most treks, no words can truly describe the trek, it has to be actually experienced. Special mention of our group composition. There were trek veterans, trek rookies and the youngest trekker as young as 14 years old that had come along with her father.  As a word of caution, even though we had many first timers, this is by no means an easy trek; hence a certain level of physical fitness and endurance is expected to actually enjoy the trekking experience.  A decent pair of trekking shoes, a good backpack and a good head lamp is invaluable accessories.
For the curious this entire experience was less than 48 hours in duration and was costing Rs.1, 700/- . This time it was a joint effort by Tattva Adventures and Trek Mates India. Thank you  Jaal , Nilesh , Mahen and Sachin for all the help along the way .



Honest Notes From the Road

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