Monday, October 8, 2012

The teachings of Warren Buffet


What Warren Buffet says about basic investing, spending, savings are so true. Most of us know it, however too many of us do not live it.
If it does make a change in your life, thank HIM (I mean God) because this is common sense. WB said it once, I am just reproducing it.
1. On Earning:
Do not depend on a single income. Invest and create a second/ third source of income:
This means when you are young your first task should be saving and investing. By creating a second source of income you are quickly reducing your dependence on your job. This could help you to set out on your own one day. The quicker you can do it, the better.

2. On Spending:
If you buy things that you do not need, you may soon have to sell things you need: 

It kind of summarizes Gen X’s reaction towards ‘luxuries’. As a part of Gen X we were perhaps criticised for some of our expenses, so it could be a generational thing even for WB. However, having goals and knowing where you are going, and not spending just to ‘show off’ are important lessons for all generations.
3. On Savings:

Do not spend what is left after spending, instead spend after you save/invest:
Also called ‘Pay Yourself First’. If you realise that investing in a pension plan or for your kid’s education is just helping you to save more later on. It is not a sacrifice, it is just postponing consumption. So understand, invest and then spend.

4. On taking Risk:
Never test the depth of the river with both your feet: 

If you are doing something, do small. If you are a first gen investor, do not be carried away by equity lovers like me and put all your money in equity. Do a SIP with a small amount, and test the waters. Do a SIP of Rs. X (which could be 10% of your take home pay) for 5 years and then step up. And for heavens sake understand risk of inflation, and the concept of real returns

5. On Investing: 
Do not put all eggs in one basket:
Immaterial of who you are and how much you understand, create a portfolio. A full range lunch plate is always better than just one item. So create a portfolio with bonds, bond funds, PPF, NSC, equity, mutual funds, and on the risk side medical and term insurance.

6. On Expectation:
Honesty is expensive, do not expect it from cheap people:

Not everybody is honest, nor does everybody want to be honest. Honest advisers are difficult to find especially in Health and Wealth, be careful.

Friday, July 1, 2011

HRK ask…am I a great person?

I will live as if I am a great person.  I will practice being great each day of my life.I have only one life, and I may as well make it a great one.  I have little to lose and much to gain by living as if I am great.  I will live as if my dreams are possible and work each day to make them happen.

Practice is the path to greatness.  I will practice doing the things that great people do.  I will find out what they do, how they do it, and I will do the same thing.Greatness doesn’t come suddenly.  It happens one day at a time as I persistently move in the direction of my dreams.  It’s something I do every day, all day long.  My path to greatness is always under construction.God designed me to live as if I am a great person. There is no preset limit to how far I can go or how good my life can become.

By
HARIKRISHNA ANGARU
Copyright © Harikrishna 2011

Monday, May 30, 2011

What I want to do before I die?


Well, I know most of us don't think about death much.  Some don't think about it because they are afraid, others don't because they have accepted death as the ultimate reality, but we all have goals. Things we want to get done before our journey is over.

Before I die, I want to remember every single moment of my life and smile because I wouldn't have done ANYTHING different.

What I want to do before I die:-
have a respectable job, one that i love to do
world tour
have a happy family life
have a party house, where i can have reunions of all the wonderful people i meet
meet as many new people as possible

 would say, I am the same person I was then as I am now….. still a few things on that list I have to get done…. mainly my goal in life is to EXPERIENCE IT. And that hasn’t changed.
I really beleive I am not driven by money. Some say that is stupid…and yes, it seems to have gotten me into SHORT TERM problems in the past……even tonight my friend saikrishna  said “if you keep being so nice, you’ll even have no money to wear the shirt you have on”. So strange, but you know what, if that is how it will be, then I will have lived my life anyway.
WHO CARES ABOUT MONEY. you live, you die. Nothing can be taken with you when you’re gone.so finally i want to say one thing to all my frnds "just do wat u want to do in ur life".

By
HARIKRISHNA ANGARU
Copyright © Harikrishna 2011

Wednesday, April 6, 2011

02 April 2011...I never forgot in my life time


“Yipppeeeeee..Yes..yeah..A 28 year wait for world cup title…We Won the world cup...we r the world champions…u know what it’s a incredible win…A dream of 122 crores of people they woke up with pounding hearts…I am speechless, to be honest, to express myself and how I feel n I don’t know what these feelings r…I am crying, I am dancing, I am shouting, I am jumping, I am cheering..I’m luv’n it…

Its unbelievable feeling…a night of fire works…a night of loud cheering…this is not possible every night… the vizag beach road n streets filled up with thousands of people…the vizagites determined to take the celebrations to another level…One night is not enough to cheer india’s win…

I sat edge of my seat for whole match..my friends n parents lost their hope when Tendulkar and Sehwag went out…but I explained every one at this time we need a very good partnership by gods grace its happened between gambhir n kohli…afterwards a dhoni’s miracle with 91 n he ends the match with a huge six..awesome…In a cricket crazy country it doesn't get bigger than winning the World Cup…

Chak de india…Jai Hind..

By
HARIKRISHNA ANGARU
Copyright © Harikrishna 2011

Tuesday, April 5, 2011

Is it a positive thinking makes a life beautiful?



Attitude forms an important part of one's personality, and thinking contributes a lot to the attitude. This is why positive thinking makes a big difference in our lives. A good attitude begins with positive thinking. Positive thinking plays a major role in shaping the future of any individual. The power of positive thinking is very important element in creating the kind of life you want. Winners think positive and have will always have a can-do attitude. Positive attitude helps to cope more easily with the daily affairs of life. A positive outlook can help you to cope better with stressful situations and can change your life for the better.


By
HARIKRISHNA ANGARU
Copyright © Harikrishna 2011


Tuesday, February 22, 2011

Bengaluru – the pensioner's paradise.


In bengaluru airport

Recently i have finished my internship project in bengaluru airport for three months.Really i have a good time over there n the weather, thegreen cover, the cosmopolitan and vibrant nature of this city are some of the qualities of the city that makes it stand out from the rest of the country.


 I would have to say the pubs. No other city has as many pubs as bengaluru does. On weekends i drunk like anything n though they are all pubs at the end of the day,yet each offers a distinct experience.

 The people in the city are very straight forward and extremely helpful. You get what you see. There are no illusions. I have visited so many places n shoppingmalls(mantri square,the forum,garuda mall...just rocks...)....u know what i am a big shopping animal....There are many places in bengaluru that are beautiful as well as entertaining like bannerghatta Zoo, cubbon park,Brigade road,which is always bustling with life and energy.

Bye bye bengaluru..i hope i will be back in some time....

By
HARIKRISHNA ANGARU
Copyright © Harikrishna 2011

Wednesday, January 26, 2011

Dhobi ghat....



Yesterday night i went to dhobi ghat with 3 idiots....Ahh....i don't liked the movie at all, but i loved Aamir and Prateik in the movie. Strange and cute bonding between Arun and Yasmin was just woww. And the unique love of Munna for Shaai got straight into my heart. And the scene where Shaai and Munna were together and Shaai asleep and Munna came to kiss her but suddenly got the feeling that this is wrong and went from her home, OMG that was my favourite scene, i loved Munna's innocence and simplicity by than.But Overall film doesn't touched my heart. Kiran Rao has to work very hard for future. Best of luck.....

By
HARIKRISHNA ANGARU
Copyright © Harikrishna 2010

Monday, January 24, 2011

Food in my Tummy is so Yummy Yummy




SO I haven't blog in a couple of  months. What happened to me??? I've been eating and eating nonstop this past few months. It's crazy! I couldnt get a single NICE picture because if I see a nice, pretty food- I eat them! Yikes! So here, I give you guys a sense of what's coming :) FOOD FOOD & MORE FOOD. 

Anyways, I'm going on a strict diet. I'm currently taking  salad & juices.... because I noticed that I've been eating WAYYY too much JUNK FOOD & GOING OUT WAYYY TOO MUCH. I've had it. My money's going away. I've got to... got to.. save them from being extinct. My wallet has a HUGE HOLE….! I NEED TO TAPE IT. DON'T YOU HATE IT? :( BEING A Boy IS HARD)


By
HARIKRISHNA ANGARU
Copyright © Harikrishna 2010


Wednesday, September 29, 2010

love.......prema.......pyar......kadal......


I am rather sceptical about love, once in a while, though love surrounds me in its most intense forms every single day. I have never believed in the overdose of red on Valentine's, though red roses are something I drool on.

But you know what, I love love. Because it makes people happy, simple. Be it of any kind. You know you are loved a lot and that feeling alone makes up for all the bad hair days, the really bad days, the power shutdown hours. That feeling of elation makes up for all the lows. To love and to be loved.

Today, I heard some love stories. I remembered a few more. I have lived through some, my own and that of my friends' I was closely part of. 

I believe in love stories that stay untold. I believe ones where letters are written everyday for several decades. I believe that love sustains. I believe in those stories today, mine, some others, of the ones I know. Love is beautiful, is it really?




By
HARIKRISHNA ANGARU
Copyright © Harikrishna 2010

Tuesday, September 28, 2010

Am i writing anything nonsense


There is again, a torrent of thoughts in my mind. Am I a writer? What am I writing? Does it make any sense at all or does it make too much sense? Why do I write? Do I want people to read and tell me it's good or do I hope, but in vain, that my thoughts, once out there, will not surface again to haunt and nag?
When your writing is taken in the opposite sense of what you wanted it to be, doesn't that make you a not-so-good writer? No, I do not need validation here. I do not need anyone telling me whether I am good or bad. These are thoughts aloud.
I do not mean to hurt, I don't think most people in the world intend to hurt others at all. But yet I seem to, by words, spoken, written. Would it be that I am too forthright? Or maybe, like a mother whose child can never do a wrong, I am blind when I write. Maybe I cannot see what you might when you read it. Maybe that is what hurts.
As a human being, I feel And I used to write here because I wanted you to know how I feel. My feelings probably still trickle out there between these words. But maybe they no longer make any sense.