Wednesday, October 23, 2019
Dream
Friday, September 20, 2019
Types of personality
Type a is analysis
Type b is organise
Type c is personalize and complaint
Type d is visualize and dominating
Type s is steady
Type i is influential
Thursday, September 19, 2019
Difference between traditional business and direct selling business
Sunday, August 11, 2019
Assets and liabilities by Akash Narula
Assets and Liabilities: Understanding Your Financial Life
By Akash Narula
Financial success is not only about earning more money. It is also about understanding where your money goes and whether the things you own are helping you build wealth or creating financial pressure.
Two important concepts in personal finance are assets and liabilities.
What Are Assets?
An asset is something that has financial value and can potentially generate income or appreciate in value.
Examples include:
- Stocks and equity investments
- Mutual funds
- Fixed deposits
- Bonds
- Real estate that generates rental income
- Gold and certain other investments
- A business
- Intellectual property and digital products
The goal is to gradually build assets that can generate income or grow in value over time.
What Are Liabilities?
A liability is a financial obligation or debt that you owe.
Examples include:
- Personal loans
- Home loans
- Car loans
- Credit card balances
- Education loans
- Other outstanding debts
Liabilities are not necessarily always bad. For example, a carefully planned home loan may help you acquire an asset. The key is understanding the cost, repayment burden, and purpose of the debt.
Assets vs. Liabilities
Think of it simply:
Assets → Can contribute to your wealth
Liabilities → Create financial obligations
For example, if you invest ₹1 lakh in an investment that grows over time, it may contribute to your net worth.
If you borrow ₹1 lakh on a credit card and carry the balance with high interest, the debt can work against your financial progress.
Build More Assets
One important principle of wealth creation is to gradually increase the gap between what you own and what you owe.
You can start by:
- Creating an emergency fund.
- Paying down expensive debt.
- Investing consistently.
- Learning about different asset classes.
- Building additional sources of income.
- Avoiding unnecessary debt.
- Reinvesting some of your investment income.
Your Home, Car and Other Purchases
Not everything you own should automatically be considered a wealth-building asset.
A car, for example, has value, but it also involves fuel, maintenance, insurance and depreciation. Similarly, a house you live in may provide housing value but may not generate regular cash flow.
This is why it is useful to look beyond the label and ask:
“Is this increasing my financial strength, or is it increasing my expenses and obligations?”
Know Your Net Worth
A simple way to understand your financial position is:
Net Worth = Total Assets − Total Liabilities
For example:
If your assets are worth ₹10 lakh and your liabilities total ₹4 lakh:
₹10 lakh − ₹4 lakh = ₹6 lakh net worth
Tracking this number over time can help you understand whether your financial position is improving.
Final Thought
Financial freedom is not simply about having a high salary.
It is about building valuable assets, managing liabilities wisely, controlling unnecessary expenses, and increasing your net worth over time.
Start where you are. Learn continuously. Invest responsibly.
Don't just work for money—learn how to make your money work for your future.
— Akash Narula
Wednesday, July 24, 2019
Stage fear .
Good morning dear , today i tell about my stage fear, i am a student who did not talk in the school, i am very shy guy, i do not have any best friends because i did not speak any one. i am person who has fear with a teacher that they did not ask any question with me , i am a person who did not talk to girls any more. i am a person who did not talk to strangers, i am person who did not do pranaam to the relatives who come in my hose because of stage fear,
in this picture , everybody happens with me. i feel like that .
Stage Fear: How to Overcome the Fear of Being on Stage
Standing in front of an audience can feel scary. Your heart starts beating faster, your hands may shake, and suddenly you forget what you wanted to say.
This feeling is called stage fear, or performance anxiety. The good news is that stage fear can be managed—and with practice, it can become confidence.
Why Do We Feel Stage Fear?
Stage fear often comes from the fear of being judged.
We may think:
- “What if I make a mistake?”- “What if people laugh at me?”- “What if I forget my words?”- “What will people think about me?”
These thoughts can make a simple presentation feel like a huge challenge.
But remember: making a mistake on stage does not make you a failure.
Preparation Builds Confidence
One of the best ways to reduce stage fear is preparation.
Know your topic, organize your key points, and practice your presentation several times. The more familiar you become with your content, the less you will depend on memorizing every single word.
Practice in front of a mirror, record yourself, or speak in front of a friend.
Focus on the Message, Not the Audience
Instead of thinking, “Everyone is watching me,” change your mindset to:
“I have something valuable to share.”
Your goal is not to impress everyone. Your goal is to communicate your message clearly.
When you focus on helping the audience rather than worrying about their judgment, anxiety often becomes easier to manage.
Control Your Breathing
Before going on stage, take a few slow, deep breaths.
Breathe in slowly, pause briefly, and breathe out slowly. This can help you feel calmer and give you a moment to collect your thoughts.
Don't rush your first sentence. Start slowly and confidently.
Accept That Mistakes Can Happen
Even experienced speakers make mistakes.
You may forget a word, lose your train of thought, or say something incorrectly. Don't panic.
Pause, take a breath, and continue.
Most audiences are more understanding than we imagine.
Start Small
You don't have to become a great public speaker overnight.
Start by speaking in small groups. Then try team meetings, presentations, discussions, or short speeches.
Every successful attempt gives you more confidence.
Confidence is built through experience, not simply through thinking about confidence.
Turn Fear Into Energy
That nervous energy you feel before speaking isn't necessarily your enemy.
Your fast heartbeat and excitement can give you energy and alertness. Instead of telling yourself, “I'm scared,” try telling yourself:
“I'm excited. I'm ready to share my message.”
Changing your interpretation of the feeling can change your experience.
Final Thought
Stage fear is not a sign that you are weak. It simply means you are stepping outside your comfort zone.
The first time may be difficult. The second time may be slightly easier. With consistent practice, the stage that once frightened you can become the place where you express yourself with confidence.
Don't wait until fear disappears. Step onto the stage, speak anyway, and let confidence grow with every attempt.
Saturday, July 20, 2019
Be a job creator rather than job seeker in india,
Saturday, July 6, 2019
Why soft skill are more important for students ?
now a days unemployment is increasing day by day in india because in india jobs are available but student are not unemployable , they did not focus on the soft skills , they only focus in marks , they should focus on outer and inner personality because every student has to go through interview and in interview . interview sees the soft skills only . interview derived from two words that is inter means inner and view means seen , so soft skills are important for students.
- team management
- public dealing
- time management skills.
- leadership skills
- motivational skills .
- inspiration skills
- teaching skills.
- confidence level
- self promotion
- group management
- training skills.
- deal with different situation
- how to deal with different situation.
but students did not focus on the soft skills rather than marks , the rule for life is 80 and 20 percentage , 80 percent are soft skills and 20 percent are study in school and collages after spending a time of 25 years . if student want to successful in life , they should focus on soft skills to make future bright . in every field soft skills is needed.
Friday, July 5, 2019
Why india is still developing country ?
india is at 2 position in the population but it is not developed. in 1947, we get depandence from british rule but we are still developing because there are many reason . these reason are
- corruption : corruption in india is high rate and ocurring from high to low level . it also decreases the development in india.
- youth of india is not developed ; they did no take the responsibility to take the india is at another level. youth did not think to become a job creator rather than job seeker. they start the carrier at the age of 25 with the job especially in north india , if they will start the carrier with in the age of 17 , 18 , they will also pay tax to the government. if they start up to give a job to 2 or 3 people , they will be serving india and in this way unemployment decrease , this will lead to india developed .
- the government : many government comes to rule india for their own benefit , they did not think for the future of india, they think about their own benefit, they know about the how many money they get to do illegal working. for example , congress party comes in 2005 to 2014 , but in this years there are many corruption occurs , scam , fraud in this years but , unemployment rate is increases, after come bjp, the unemployment rate is increasing slowly slowly , but they also said that " be a job creator not a job seeker " in their manifesto.
- clean : india is not clean after " swacch bharat abhiyan " . they are dirty, in some areas people are not aware about it , they take responsibility to clean it and government also provide service to it; for example nagar nigam.
- india education system also responsible because they only focus on marks not learning ; knowledge , ethics, personality development , values, morals . bookish knowledge is not enough to get successful , life is about practical thinking.
- over population and lack of literacy also responsible for india is still developing .
Thursday, July 4, 2019
Ways to develop the self esteem
"life is not finding yourself, but it is about creating yourself ".to develop the self esteem, there are many ways , these are
Ways to develop a growth mind set
"if you don;t help to help yourself , nobody in the world can help you to help yourself ". it is all about mindset ; if our mindset is good and developed , then we can do anything in the world . there are many ways to develop a growth mindset , the ways by which we can develop a good mindset are
Where does low self esteem comes from ?
- receiving heavy criticism.
- being manipulated by someone more powerful than themselves.
- having failures, short coming or difficulties emphasized.
- not being given time by parents , may be with an other child being the favourite or busy parents , etc.
- some kind of abuse , ether physical, emotional, verbal. sexual.
- feeling rejected and abandoned.
- feeling the odd one out or that they did not quite fit in the family,
- being teased.
- being bullied at school or at home,
- low expectation.
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