Friends
First month of Year 2014 is almost complete. The month also witnesses my birthday. In fact, this month sets the tone for the whole year . The events of the month indicates about the coming months of the year. Most of the times it is true.

Today is Sad day for me and my family because I lost my uncle in law (Satish Chachaji) . He was very active , healthy and happy person but unfortunately a heart attack took him away from all of us. Chachaji was fond of travelling and no one can be more energetic at the age of 75 years than him. It was coincidence that he expired while travelling. I pray to god to peace to his soul and courage to all of us to near this loss.

Professionally the month has been quite positive but still far ahead than expected . I hope coming months would definitely be better day by day.

CP

Friends

Positive vibrations of year 2014 have started generating which may wipe out the pains of 2013. Year 2013 should be named as year of Knowledge and Experience. It broke the established business trends, old financing products virtually failed or slow down. Finance syndication activities had not only passed through a turbulent time, it has been redefined in 2013. Consultants were passed throughout tough churning filtering largely the small and new players out of the market.

Fortunately, initial vibrations are quite positive and after learning from 2013, finance consultants would make up the set back of 2013. While the entrepreneur or self employed professionals have to wait patiently for the right time, I noticed that employees or the professionals in job segment get impatient very soon. They get panicked and start leaving the organisations quickly without thinking for a moment that tough time never lasts but tough people do. I have seen lot of people leaving the organisation in 2013 without genuine reasons or under immense pressure of career. They did not even thought for a moment that employer has much more at stake than themselves and would definitely try his best to come out of such temporary situations.

In my view patience is one of the key factor along with the knowledge, attitude, behaviour and dreams.Without Patience nothing can be achieved and without achievement no Dream can be fulfilled.

I wish great year ahead for all my friends, relatives , peers, colleagues and family members.

CP

Friends
When ever there is challenging time, new inventions take place. The struggle to survive, sustain and grow takes us to new heights. In between we use all tactics of the game but it is always very long and cumbersome before we see the light. I'm talking about the Economic and Political turmoils our country facing. Last 2-3 years were not good for economy due to policy paralysis in the Government. This also resulted into political turmoils and various incidences like corruption, scams, arrogance, cheap language etc.
Being a finance consultant I have felt the impact of economic slow down directly. The advisory services has changed drastically in last 3 years. General finance products have changed and has been replaced more by the products commonly used in crisis. We need to be very much attentive and flexible in adapting the changing environment to sustain and grow. In my view coming six months would be more challenging and market will see lot of players going in hibernation. Also we may see some new financing products more convenient and comfortable to the financing needs. Let's prepare ourself and do the best. After all "this too would pass".
CP

"Makoda'

Friends

I am blogging after more than a month. In last one month we celebrated Diwali and had  long vacation. Gujarat celebrates almost a week's holiday during Diwali.

During Diwali we exchange gifts and sweets to retain the relationship and further expand and strengthen the relations. This is integral part of social and professional set up and needs continuous updating. Such festivals give great opportunities to sync with society.

While analysing various professional and social  relations, we come across many persons growing beyond our imagination and expectation. They give good surprise when we come to know about them suddenly. We try to reconnect with them in anticipation of getting some favour from them. In most of the cases the experience is not very good and we end up with embarrassment or heart burning. 

Here I would like to remind about on movie "Billu" casting Shah Rukh Khan and irrfan. Do you remember, in this movie character of SRK (Shahid Khan) becomes a very big star where as his patron character of Irrfan (Billu) remains a small time barber. When SRK comes to his village every one pushes him to meet him more particularly his wife Lara. At that time in the story, Irrfan says that if I would go to him now Shahid would think that see 'Makoda' has come. Makoda is an insect who moves towards some sweet product and plunges into that till that Makoda pushes head inside and most of the time die there it self. So in the movie, Billu avoids going to Shahid fearing embarrassment and insult despite lot of pressure from every corner. He does not want to become Makoda. Similar story was with Lord Krishna and Sudama. But in this case as per the story Sudamaji reached to Lord Krishna. 

In our daily life we come across with many people  becoming senior officer, politician, businessman or celebrity  and we try to reach to them . We feel that he would give us same response of earlier times and revert with love. Practically it rarely happens. Most of the cases he would rather show you his success more loudly and may even hurt you emotionally.  Anyways, we should always avoid to become "Makoda" unless it is the question of life and death. I experienced that those who become highly successful would never care for old friends and they may be right too. It is better to save your self from becoming "Makoda". Whenever any old friend becomes big celebrity or officer or politician we boast of knowing him and try to reach him. Our purpose may be selfish. Also that guy would never like to be associated with such friends who are at lower scale in his eyes. He may also not like the world to know his roots. Whatever be the reason, we should avoid being Makoda. It may not benefit in short term but later on it would help a lot. Better we remain Billu at least self respect will be retained.

CP

Happy Dussehra

Friends
Today is Dussehra. It is said that today Lord Ram had killed Ravan after long fight. It is the day we celebrate as a mark of win of good over bad. This day is followed after 9 days worship of Maa Durga, called Navratris. It is one of the holiest days amongst we Hindus. Festive season is at its peak. Soon we will celebrate Diwali and then Christmas and then new year followed by Makar  Sakranti and Holiday.
It is good to celebrate all these festivals and in fact it shows the strength of a society . Still I feel we people waste lot of time in celebrations. If we calculate all the holidays in a year these may exceed the working days. This affects the prosperity of a society and in turn country. Most of the families have single earning member concept. It will take some more time when it would increase two earning members. The pressure can be eased out only when we reduce the holidays and add up working days.
CP

Friends
Today is third day of Navratri, one of the most celebrated festival of Gujarat. This 9 day festival is vastly celebrated here. This festival is recognised by the Garba dance or dandia ras. This time Maa Durga is being welcomed by Lord Indra and hence continuous rains. This untimely rain has not only spoiled the festival but also damaging the current crop severely .

We should review ourself periodically at least every 3 months. Our decisions, actions and plans need to be corrected every time and again according to the situation and circumstances. The life is full of distractions and challenges, which can divert or stop the plans any time. To correct self or ensure that we are in the right track we should have honest and harsh review of ourself. We can speak lie to any body but not with self. I have experienced that we stop ourself fearing the challenges or even divert from the basic agenda. It needs to be supervised continuously to avoid the failure. The challenges may force us to stop the journey of progress but with strong belief and hardworking we can come out of such situations. Nobody in this world can stop us from achieving out goals unless we wish so. It is upto us what we decide.

C P 

Friends,

Indian politics is passing through biggest change these days. Last 6 months have witnessed lot of actions on every front be it the ruling party or it's allies , opposition parties or their associates. Every body is trying its best to seize the opportunity to their benefit. By the way Indian politicians are masters in this game but the problem is that this game is between themselves and not with then outsiders. In fact the seeding of turbulence in infirm politics was done by Anna Hazare when he started screwing the government for Lokpal. Then came Baba Ramdev, then new political party AAP and so on. In almost all the events youth have been the torch bearers and that has caused the change in the drama and actors. Before that every thing was smooth. People were minting money and some wee being reprimanded and others awarded. No body was objecting. Unfortunately the principal opposition party BJP was also inactive or involved directly or indirectly. Every body was happy and public was crying. Suddenly various events started unfolding and forced all the politicians to either act or wear the mask of acting. Situations forced BJP to remove the blanket which was too old and hence tourney and decaying. I don't know who will the next election. But one  thing is sure that it would be very difficult for any party to take the public for granted in near future. Legal authorities are equally sensitive for the public. In last 6 months lot of people have been hanged , sentenced to death and the process has been fastened for early justice. 

The politics can be further strengthened if youth join the political parties and all these gundis and criminals are thrown out. In near future the system will clean it further and it may be almost impossible for the criminals to enter into this arena. Yes they may remain active behind the curtain. 

We also witnessed the entry of new Governor of RBI , who is quite young and energetic but seems to be under the obligation of some politicians and may not have free hand to act. With such a Good monsoon, let us hope for the better economy in next 6 months. 

CP