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Since the very moment I started my Company, I have been approached by my friends, their spouses and relatives to get them some projects, be they part –time or full-time. Sometime, the people I meet talk to me about their experience they had had with sites which promise to offer home based jobs which require some intial deposit. For sites like that, one needs to have a big sense of trust, as many out there could be ponzy.

I got this video shared by one of my friend aparnaa who blogs at http://lunchtime-arratai.blogspot.com/. The album show how much the boy cares for his girl. Really something thing makes me think of taking it as movie in india.

I normally like people who live for there passion. I’ve read a lot about people like Vishal Gondal, Subir Malik, Madhu Menon, T.G. ‘Tiger’ Ramesh & cherished how they turned there passion into commercial ventures. Today I took my sister and cousin sisters to a Amusement park, I happened to meet this gentle man Mr.Venkatesh who had an unique talent. He uses broken glasses and makes dolls, ear rings, key chains, neck chains etc. His charges are pretty nominal it ranges from Rs.10 to Rs.20 for a product. He takes 15 min man for a tough art. Most important aspect of my excitement is his business model,

1. Less time consuming work
2. Low cost products
3. Selection of a place which attracts crowd
4. Concentrate on volumes
5. Turning waste into loveable art work and more important is converting it into money.
6. And shoud not forget to specify this smart action, his open showcase of how he does this art work
a. It really attracts people to his open stall
b. Convinces people on worthiness of making the purchase
c. It converts the suppose to be onlookers into customers

It to have the FLIP side like any other business,
1. He uses a Gas Cylinder to fuel his fire rod which is highly dangers not only to him but also to public
2. Melting glass causes pollution
3. Also this is not good for his own eyes

Other than this I’m happy to see a person who makes a living with his passion, not sure if he has got any media attention like others but I’d like bring it out my reader’s atleast. I’m also sure people can come with lot more business ideas using his skills. If you want to meet this person to see his art work/learn the art work/got a business idea you can email him, snail mail his or call him, I’ve given all the details at the end of the blog. I’ve planned to take a video interview with him soon and publish more about his works soon. Also I show a small video of his work which I’ll upload and publish it here soon, but you can go thru the photos below,

You can see broken glasses in the table

Making a peacock key chain

A closer view

This full view shows the Gas Cylinder, Venkatesh wearing a glass and meling the glass which i specified as the drawbacks.

His works on display.

Name: Mr.L.Venkateswaran
Address: #1/261, Mettu Street, East Cost Road, Muthukadu, Kancheepuran District – 603112,
Tamil Nadu, India.
Mobile: 9841672683
Email: venkatesh_glassworld@yahoo.com

Smart Move # 1

Opt for lifetime free, zero surcharge credit cards: This will take care of two major recurring annual costs. Even as you opt for such a card, don’t forget the old rules of not revolving credit, since interest rates are a huge 2.95 per month or 41.74 per cent per annum.

Smart Move # 2

Use overdraft facility instead of credit card cash: You should also avoid withdrawing cash using credit cards since you have to pay a processing fee, an interest of 2.95 per cent per month charged on daily basis and service taxes. Instead, opt for a bank savings account with an overdraft facility that will allow you to access funds at a much lower 21-22 per cent per annum.

Smart Move # 3

Take loans against assets: For short-term cash requirements, opt for loans against assets instead of costly personal loans (interest rates 18-20 per cent). The best bets are loans against fixed deposits (FD) where you can get around 80 per cent of the FD amount at an interest rate 1-2 per cent above the FD rate.

“This way you can lock in funds for a longer duration and use the over-draft facility to meet short-term liquidity needs,” says Murali Natarajan, regional head, consumer banking (India & Nepal), Standard Chartered Bank. Next, come shares and mutual fund units of income schemes. You can get around 60 per cent of their value as loan at rates of 12-14 per cent.

Smart Move # 4

Go for an online credit card: You get an online credit card with your main credit card. It can be used only for online transactions, such as booking air tickets. These cards come with a low credit limit of about Rs 10,000 and separate your online transactions, so that even if some swindler gets your card details, the liability is limited. The card also enables you to avail discounts at travel and shopping portals.

Smart Move # 5

Time your car loan application: Submit your loan applications towards month-end so that executives sweeten the deal with freebies or discounts to meet their targets. Go during lean periods like “Shradh” (mostly a 15-day period in September, considered inauspicious for purchases).

You can also take advantages of schemes during September-end, when dealers provide promotional schemes to spur purchases by the self-employed and institutions to claim deprecation for vehicles during the same financial year. The same is true during March-end, when dealers try to clear their inventories of stocks.

Smart Move # 6

Opt for a joint home loan with spouse: This will enhance your loan entitlement and give you more tax-breaks — up to Rs 1 lakh (Rs 100,000) per annum each under Section 80C for principal repayment and up to Rs 1.5 lakh (Rs 150,000) each under Section 24 for interest repayment — since both would be entitled for them.

“Joint applications enhance loan eligibility since the income of the co-applicants are aggregated,” says S.K. Mitter, director and chief executive, LIC Housing Finance. The move really works well for double-income families. Says Swami Saran Sharma, a Delhi-based financial expert, “If both husband and wife are working and the property is self-occupied, then the tax deduction eligibility doubles too.”

Smart Move # 7

Leverage your credit history: If you have been a good borrower in the past, you can use your credit record to bargain for lower rates.

“An applicant with impeccable credit history can claim for lower interest rate and waiver of processing charges,” says S. Santhanakrishnan, chairman, Credit Information Bureau (India). Many banks have already introduced products that reward good credit history with loans at lower rates, waiver of processing charges and increased loan eligibility.

Smart Move # 8

Leverage your banking relationships for access to loans: Homemakers, part-time workers and others with irregular incomes and cash flows may find it difficult to get credit cards and loans. In such cases, it pays to have a regular banking relationship, where, among other things, you operate the account regularly.

The tenure of the relationship sometimes helps get access to these products, especially a credit card. Once you build a good credit history by using your credit card regularly and clearing your dues on time, you can prove your credit worthiness.

Smart Move # 9

Apply for loans in groups to get discounts. While seeking loans, it pays to apply in groups. “If a group of friends purchase flats in the same property, they can successfully negotiate for discounts,” says Harsh Roongta, CEO, Apnaloan.com.

The same is true if you take a loan along with your office colleagues. If your organisation is already in the list of preferred borrowers of the financial institution or bank, the employees can be offered lower-than-market rate loans. “The lender offer lower rates as it benefits from getting bulk business with its transaction, origination and servicing costs per loan coming down,” says Mitter. The rates can be lower still if your employer agrees to deduct the EMI from your salary.

Smart Move # 10

Part-prepay home loans and get Section 80C deduction. You can claim Section 80C benefits up to Rs 1 lakh per annum from a variety of sources, such as investments in Public Provident Fund (PPF), National Savings Certificate (NSC), premium of life insurance policies, investments in equity linked savings schemes (ELSS) and pension plans of mutual funds, and principal repayment of home loans, among others.

Experts suggest that a key objective for anyone buying a financed home has to be of complete home ownership at the earliest possible time without compromising other goals such as retirement.

So, it makes sense, especially during periods when interest rates are on a high, to increase the principal repayment through part prepayment of the loan (assuming that the loan has no prepayment penalty) and claim the entire Section 80C deduction from this.

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One day a father of a very wealthy family took his son on a trip to the country with the firm purpose of showing his son how poor people live. They spent a couple of days and nights on the farm of what would be considered a very poor family.
On their return from their trip, the father asked his son, “How was the trip?”
“It was great, Dad.”
“Did you see how poor people live?” the father asked.
“Oh yeah,” said the son.
“So, tell me, what you learned from the trip?” asked the father.
The son answered: “I saw that we have one dog and they had four.

Man: Tell me, why has life become complicated now?

God : Stop analyzing life. Just live it. Analysis is what makes it complicated.

Man: why are we then constantly unhappy?

God : Your today is the tomorrow that you worried about yesterday. You are worrying because you are analyzing. Worrying has become your habit. That’s why you are not happy.

Man: But how can we not worry when there is so much uncertainty?

God : Uncertainty is inevitable, but worrying is optional.

Man: But then, there is so much pain due to uncertainty. .

Once upon a time there was a rich King who had four wives. He loved the 4th wife the most and adorned her with rich robes and treated her to the finest of delicacies. He gave her nothing but the best.

He also loved the 3rd wife very much and was always showing her off to neighboring kingdoms. However, he feared that one day she would leave him for another.

He also loved his 2nd wife. She was his confidant and was always kind, considerate and patient with him. Whenever the King faced a problem, he could confide in her, and she would help him get through the difficult times.

The King’s 1st wife was a very loyal partner and had made great contributions in maintaining his wealth and kingdom. However, he did not love the first wife. Although she loved him deeply, he hardly took notice of her!

One day, the King fell ill and he knew his time was short. He thought of his luxurious life and wondered, “I now have four wives with me, but when I die, I’ll be all alone.” Thus, he asked the 4th wife, “I have loved you the most, endowed you with the finest clothing and showered great care over you. Now that I’m dying, will you follow me and keep me company?” “No way!”, replied the 4th wife, and she walked away without another word. Her answer cut like a sharp knife right into his heart.

The sad King then asked the 3rd wife, “I have loved you all my life. Now that I’m dying, will you follow me and keep me company?” “No!”, replied the 3rd wife. “Life is too good! When you die, I’m going to remarry!” His heart sank and turned cold. He then asked the 2nd wife, “I have always turned to you for help and you’ve always been there for me. When I die, will you follow me and keep me company?” “I’m sorry, I can’t help you out this time!”, replied the 2nd wife. “At the very most, I can only walk with you to your grave.” Her answer struck him like a bolt of lightning, and the King was devastated. Then a voice called out: “I’ll go with you. I’ll follow you no matter where you go.” The King looked up, and there was his first wife. She was very skinny as she suffered from malnutrition and neglect. Greatly grieved, the King said, “I should have taken much better care of you when I had the chance!”

In truth, we all have the 4 wives in our lives. Our 4th wife is our body. No matter how much time and effort we lavish in making it look good, it will leave us when we die. Our 3rd wife is our possessions, status and wealth. When we die, it will all go to others. Our 2nd wife is our family and friends. No matter how much they have been there for us, the furthest they can stay by us is up to the grave. And our 1st wife is our Soul. Often neglected in pursuit of wealth, power and pleasures of the world. However, our Soul is the only thing that will follow us wherever we go. Cultivate, strengthen and cherish it now, for it is the only part of us that will follow us to the throne of God and continue with us throughout Eternity.