Finance Tips
1. We must have Monthly Budget
- We need to analyze our expenses to find out planned and unplanned expenses
2. We shall have Emergency Fund (9x to 12x monthly expenses)
It includes:
- Term insurance
- health insurance
- Critical illness cover
- disability cover
Does it includes
- credit cards?
3. Do not ignore inflation.
4. Power of compounding : SIP
5. Invest in equity and equity related product
- People invest in FD, Real estate, Gold
- Rich people do not invest in FD, Real estate and gold.
- They become rich by their own business or other's business (equity)
1991 to 2023
CAGR 19%
BSE sensex 999 to 65000 points
- No for F&O
- No for intra-day
- We should have Goal Based investment. Without that, we get sub optimal return
A. Child's education
B. Dream vacation
C. Retirement plan
- What create wealth
A. income
B. savings
C. investment
We buy things we don't need. with money we don't have to impress people, that we do not like.
6. New trend in abroad: Financial freedom and retire early.
Funding retire is different.
- must do
- no return
- For car/home all wants to provide load. No loan for retirement.
How long saving will last after retirement?
0 to 30 : student and early stage career.
30 to 60 : accumulation and save
60 to 100 : distribution
Today Rs. 60,000 monthly expense
7% inflation
325646 after 25 years.
We can try "retirement corpus building XLS"
पतंजलि योग सूत्र २. साधन पाद:
The Yoga Sutras of Patañjali is a collection of Sanskrit sutras (aphorisms) on the theory and practice of yoga
It has four section.
This blog post is on 2nd section. SAADHAN PAAD: and few initial SUTRA from 3rd section VIBHUTI PAADA:
What is क्रिया-योग: ?
1. तपः,
2. स्वाध्याय
3. ईश्वर-प्रणिधान
Why क्रिया-योग: ?
1. समाधि भावना
2. क्लेश तनू
What are क्लेश ?
1. अविद्या
* Root cause of other 3
* Considering
- अनित्य as नित्य
- अशुचि as शुचि
- दुःख as सुख
- अनात्म as आत्म-ख्याति:
2. अस्मिता : दृक् दर्शन शक्त्यो: एकात्मता
3. राग : सुख अनुशयी Promises happiness
4. द्वेष : दुःख अनुशयी
5. अभिनिवेश:
We shall get rid of क्लेश by प्रतिप्रसव = चित्त को अपने कारण में विलीन करने के साधन
We shall get rid of वृत्ति by ध्यान
If root of क्लेश remains then we get
- 1. जाति - जन्म,
- 2. आयु: - आयु
- 3. भोग:
पतंजलि योग सूत्र १. समाधि पाद:
The Yoga Sutras of Patañjali is a collection of Sanskrit sutras (aphorisms) on the theory and practice of yoga
It has four section.
This blog post is on 1st section. SAMAADHI PAAD:
योग: चित्त वृत्ति निरोधः ।
चित्त भूमि प्रकार:
- 1.क्षिप्त
- 2. विक्षिप्त
- 3. मूढ़
- 4.एकाग्र एवं
- 5. निरुद्ध
Habbit
All our habits , positive and negative are related to
1. Process : It is like part of routine. OR it is due to RAJAS GUNA. OR some qualities like greed, laziness etc.
2. Outcome: It generates some visible, tangible/intangible outcome. OR our desire for some result, tangible/intangible outcome
3. Personality: some personal traits, beliefs, value, self concept, memory of some past incident.
All habits have some root cause behind it.
Motivation to change habit:
- Autonomy : Some more power, authenticity, freedom
- Competence : skill
- Relatedness : How it benefits me. Having some better reason to quit the habit.
We shall replace our habit with better habit.
Apigee
1. integrated developer portal
2. convert a set of API into product: R/W access, rate per second, and how to use it. mix and match methods, operatoins from different APIs. code as pricing model. bronze/silver/gold customer. break out APIs in different packages.
3. Security
out of box policy
- authentication
- authorization
- rate limit
- spikers
- JSON based threat
- XML based threat
- use other Google cloud tool
-- cloud armor for DDoS
It sops absuive or bot traffic ASAP, before it enters into system.
New Advance API security feature
- Identify mis configured API.
-- security score for API
-- recommended action
-- abuse of API detection
-- API security dashboard for quick investigation and resolution
- Bot detection: API traffic pattern
4. Application Integration : 50+ connectors to 3rd party services,
API hub: API catalogue and API LCM
5. Measure and tune APIs: Analytic
6. engage and innovate with partner to create digital eco system.
7. full API LCM platform
- builder façade
- caching
Refernece: https://www.youtube.com/watch?v=KfJoQAKoQiM
