Banking @ 4 AM


For last two months it was all financial mess and thanks to Paypal and some under performance. Because of financial issues i had to forgo my salary for last two months. This has resulted in me using my card and some messy financial management.

I know i musth have been more careful in planning my finance during this time. Because of all those mess i forgot all my monthly commitments and it resulted in last minute syndrome and i had to settle all my bills at last moment.

One such thing is one of my EMI which i’ve given Standard Charted Bank account for  ECS and i just remembered about the commitment. Thanks to SCB’s 24 hour banking because of which i went and made a deposit of nine thousand by 4 o clock in the morning and this is what i did last month also and many other times in the past.

Thanks to the flexibility offered by banks for making me too tardy.

Never leave undivided real property to joint beneficiaries


Was going through an article on financial planning where in most of the points were redundant and contained what every financial planner would say. But this one point caught my attention and I firmly believe in this point and wanted to share it with my readers. As I’ve seen many family feud happened because of the below said reason;

Lots of things are more important than money. Family is probably at the top of the list. If you want a vicious family feud on your hands, breaking this rule would be a great place to start.

Imagine a farm that gets left to four sons: One has farmed it for 20 years; one is an environmentalist and wants it to be a park; one is broke and needs money; and one could not care less about it. Who will get wealthy from this plan? The attorneys. And the kids and grandkids will probably hate each other forever.

Remember that ‘equal’, ‘equitable’, and ‘fair’ are three different words with three totally different meanings.