क्या करना

मिथ्या संसार यहाँ तेरा मेरा, क्या करना 

छोड़ना इक दिन जमा डेरा, क्या करना ।

जब साथ जाना नहीं रत्ती-भर भी तो

धन दौलत के अंबार लगा, क्या करना ।

बेआबरू हो जिसके कूचे से हों निकले

दिल-ओ-दिमाग में उसे बसा, क्या करना।

हाथ पाँव चलते रहें मौत तक मेरे मौला

साँस भर लेती जिन्दगी का, क्या करना। 

जरूरत के वक्त पर हो जायें इधर उधर 

ऐसे यार दोस्तों को मुँह लगा, क्या करना।

जिसके दिल में नहीं हमदर्दी तुम्हारे लिए 

बीन दुखों की उसके आगे बजा, क्या करना। 

स्वार्थी दुनिया सारी होती मतलब की यारी

मदद की उम्मीदें किसी से लगा, क्या करना। 

कर्मो का फल भोगने आते हैं सब जीव यहाँ 

किसी से शिकायत गिला शिकवा, क्या करना।

दंगे फसाद का डर हर वक़्त बम फूटने का डर 

डर के साये में यूँ जिन्दगी बीता, क्या करना। 

शरीर पे बुढापे का असर आ जाता नजर 'शर्मा'

बालों को रंगा औ'झुरियों को छुपा, क्या करना। 

रामकिशन शर्मा

Happy Money

 The concept of "happy money" is based on the idea that the way we spend our money can have an impact on our happiness. Here are some key lessons from the idea of happy money:

1. Spend money on experiences, not just things. Research has shown that people tend to derive more happiness from experiences, such as travel or concerts, than from material possessions.

2. Buy time. Time is a valuable resource, and people who use their money to outsource tasks they don't enjoy, such as cleaning or laundry, tend to be happier than those who don't.

3. Give money away. Studies have consistently shown that spending money on others, whether through charitable donations or small acts of kindness, can lead to greater happiness than spending money on oneself.

4. Avoid comparing yourself to others. People who spend money to keep up with others, or to try to impress them, tend to be less happy than those who spend money in ways that align with their own values and priorities.

5. Remember that money can't buy everything. While money can certainly contribute to happiness, it's important to remember that it's not the only factor. Other important factors, such as relationships, health, and a sense of purpose, can't be bought with money.

Rich dad and poor dad-summary

 "Rich Dad Poor Dad" is a book written by Robert Kiyosaki. The main highlight of the book is the concept of the difference between the mindset and financial strategies of his biological father, who was an educated and well-paid government employee, and his best friend's father, who was an entrepreneur and self-made millionaire.

Kiyosaki's "poor dad" was focused on obtaining a good education and a stable job, while his "rich dad" emphasized the importance of financial education, investing in assets that generate passive income, and developing a mindset of financial abundance.

The book also introduces several financial concepts, such as assets and liabilities, cash flow, and the importance of financial literacy, which are designed to help readers develop a better understanding of how money works and how to build wealth.

"Rich Dad Poor Dad" by Robert Kiyosaki outlines several lessons based on the financial teachings of his two fathers. Here are seven key lessons from the book:

1. The rich focus on acquiring assets that generate income, while the poor focus on acquiring liabilities that require income.
2. Financial literacy is crucial for building wealth and becoming financially independent.
3. The rich take calculated risks to create wealth, while the poor avoid risk and often miss out on opportunities.
4. Education goes beyond formal schooling. Financial education and developing skills in accounting, investing, and entrepreneurship can provide a significant advantage in building wealth.
5. Taxes can have a significant impact on wealth creation. The rich are aware of tax laws and use them to their advantage, while the poor often pay more in taxes than they need to.
6. Wealth is not just about money; it's also about creating a fulfilling life through good health, strong relationships, and personal growth.
7. Giving back to society and making a positive impact on others is a key aspect of creating lasting wealth and happiness.

Money saving rules

 Saving money is a critical aspect of personal finance, and there are several rules that can help you do it effectively. Here are some of the most important rules to follow when it comes to saving money:

1. Create a budget: This is the first step in saving money, as it helps you understand where your money is going and where you can cut back.

2. Automate your savings: Set up automatic transfers from your checking account to your savings account so that you're less likely to spend the money you're trying to save.

3. Prioritize debt repayment: Pay off high-interest debt as quickly as possible, as the interest charges will eat into your savings over time.

4. Avoid impulse purchases: Impulse purchases can quickly add up and erode your savings. Try to limit them as much as possible by only buying what you need to save for emergencies: Establish an emergency fund with enough money to cover three to six months of expenses. This will help protect you in case of job loss or other financial emergencies. Invest in your future: In addition to saving for emergencies, consider investing in long-term savings vehicles like a retirement account or a college savings plan.

5. Save windfalls: When you receive a bonus, a tax refund, or other windfalls, put it into savings rather than spending it.

6. Be mindful of subscriptions and memberships: Regular subscriptions and memberships can add up quickly. Review them periodically to determine which ones are worth keeping and which ones can be cancelled.

7. Remember, saving money is a habit that takes time to develop, but the more you stick to these rules, the more successful you will be in reaching your financial goals.

"Coffee Can Portfolio" is a long-term investment strategy

 The "Coffee Can Portfolio" is a long-term investment strategy that is characterized by low turnover and a focus on holding a diversified basket of stocks for an extended period of time, often with the goal of outperforming the overall market. The strategy gets its name from the idea of putting a portfolio in a "coffee can" and forgetting about it for a long time, much like one might put their spare change in a coffee can to save up for a future goal.

The key highlights of this investment strategy include:

1. Low turnover: The coffee can portfolio is designed to be held for a long period of time, with little to no trading or rebalancing. This helps to minimize transaction costs and reduces the risk of short-term market volatility impacting the portfolio's performance.

2. Diversification: The portfolio is constructed to be well-diversified, with investments in a range of stocks and other assets that have low correlation to one another. This helps to reduce overall portfolio risk.

3. Long-term focus: The coffee can portfolio is not designed for short-term gains, but rather as a long-term investment strategy. Investors who follow this strategy are focused on building wealth over the long term, and are willing to accept some short-term volatility in exchange for the potential for higher returns.

4. Value-oriented: The coffee can portfolio often has a value bias, with investments in stocks that are undervalued or out-of-favor with the market. The idea is to buy these stocks when they are cheap and hold onto them until they return to their fair value or become more popular.

Overall, the coffee can portfolio is a simple, low-maintenance, and value-oriented investment strategy that is designed for long-term investors who are looking to build wealth over the course of many years.