The Analyst

“Ok, finally something that actually interests me is up for grabs. I really hope this thing works out for me. Click to APPLY here we go again, CLIICCCKKK and done” Rohan sighed. “”. Rohan clicked on the APPLY button hoping that he would at least receive a mail stating whether he his resume was selected or not for the interview.  He was like one of those thousands of MBA graduates with a Degree from their College but without a job. He too was fooled by those 100% Placement Assistance ads that the colleges marketed a trap in which many like Rohan fell into easily.

Just when Rohan had again started for job hunt his cell rang. “Hello” Rohan answered in a squeaking voice. “Hi, I’m Mike from CBZ Corp. You applied for the position of Analyst with us a few moments ago.” Rohan jumped out of his chair like a tiger pounces upon its prey. “Finally a response”.

Clean Master (Cleaner) – FREE.

Most of you would like to keep things clean it may be your clothes, your car, your home but what about your mobile. I am not talking about the external beauty but the internal part of it. To keep things up and running you to clean it from time to time. The same applies to your mobile for it to perform fast and smooth.

How many times has this happened to us, we find a new app, may be a new song or video or even a pic that we are clicking on our special occasion which we want to be on our cell phone but those dreaded lines appear on our Screen “NOT ENOUGH MEMORY”. Sometimes you may see that the performance of your cell is slow. It takes long waiting time to close or open apps.

While all the apps that are present on our cell is dear to us but just for the sake of installing a new App we need to delete the old one. What we forget is that apart from these downloaded Apps there are other files too that need space (like every relationship does) on our SD Cards. These may be Caches, .apk packages etc. While these may sound outlandish to the not so geek crowd I will give a simple example of what does cache does.

Suppose you are surfing a website on your cell phone using a browser, the images of the site are saved as caches on your mobile. It’s the same way too for other applications and processes. Clearing caches helps you to speed your mobile device.

This is where Clean Master comes in use.  Clean Master makes list of .apk on our device and helps us to delete them.  The “IT Part” of this App is that is the “Clean unused/residual files”.  Say you just uninstalled a huge game on your android device, extra data download remains our device. Clean Master detects such data and helps us free space and gradual loss that happens to all Android devices.

It has a simple and clean user interface and features.

Full Features List:

1.       History Eraser – Clean cache and clean residual files.

2. Privacy Protection – clean selected messages (SMS&MMS), selected call logs, Google search history, clear clipboard data, and protect other app privacy such as wechat, whatsapp, etc.
3. Kill running tasks/release RAM/1Tap Boost.
4. Application manager – uninstaller and backup.

Clean Master supports the following languages: German, Italian, Spanish, Korean, Russian, Simplified Chinese (China), Portuguese, Vietnamese, Hungarian.

 My Rating: 4/5

5 Tips to Save Your Money.

Drops of water make an ocean. Similarly every penny saved is a penny earned adding to your savings. There is no need to explain why we need to have good savings.  Just read these tips below that will help you save money that you knowingly or unknowingly ignored.

Don’t ever buy a Credit Card.

The Numero Uno thing that should always be on your Never-to buy List should be Credit Card. One of the biggest mistakes that individuals do is to own a Credit Card. Having a Credit Card is like having a Debt Machine with you.  There is absolutely no need for a credit card in your life.  Buying a credit card absolutely beats the reason why want to buy it. Let me explain this situation. Say you and you long-time friends decide to have a reunion sometime during month end. Since it is month end you don’t have much money left with you. So while at the restaurant, movie and (the worst) for petrol you decide to use your credit card. Assuming that this bill turns up to nearly a 2000 or 5000 bucks depending on how spend thrift you are. Generally Credit Card Companies usually have a 20-30 day window for pay back. Suppose you used your card on 28^th of a month. Then the due date for the bill will be anything near 15 or 20 in the following month. It is usually during this period that you need to pay all other utility (Electricity, TV, and Household) bills too. So you have additional debt of credit card and now for the worse you have to spend half of the month with even less money than you had in the previous month. Now this is where you get into the trap of these companies. So in case you have to purchase something essential you again decide to use your Debt machine. Thus you are entrapped in the credit card cycle of debt.

The worst part of credit card is that you have to pay for it even if you don’t use it. Yes! You heard it correct. You pay for not using a credit card. Even though that Sweet lady on the phone who sold you this debt machine promised that there are no monthly charges for it I bet she didn’t told you that if you don’t spend a stipulated amount in a year you are liable for a fixed charge. 

Plan you bills

Now this is a part that no one in this planet is saved from. Paying your bills is as important as breathing for your life. However it is important that you plan on how you are going to pay your bills. There is numerous numbers of bills that an average family has to take care of. Excluding the Essentials like grocery, electricity, apartment maintenance we have other bills that are to be taken care of like Insurance, Tax. A common tendency that is noticed for paying bills is that we pay our bills before the due date. It is absolutely not necessary for paying the bill the very next day. With most of the companies accept e payments you can pay your bills on the last day while you enjoy your banks interest for the same number of days that it is with them.  Certain bills are fixed in nature like water and cable, so you can set aside a fixed amount aside every month. For bills that are payable once a quarter or year like tax and insurance make sure that you have planned it. You don’t want to sit wondering how you are going to pay it.  For bills that are payable in quarterly or yearly open FD, make short term investments and repay such yearly or quarterly bills.

Don’t be a spend thrift, Stop acting rich!!

Agreed that your neighbour bought a new car. They even change their furniture every year, have new clothes every month. This doesn’t mean that as a social stigma you try competing with them. Stop acting like you are already rich. Don’t be a spend thrift. Before buying anything think whether it is really essential or buying it just because it has been marketed to look like it’s the best thing to buy. Stop impulsive buying. Yes!! You need to put an end to your impulsive buying. What started as way to relax yourself may soon turn into a nightmare if you don’t learn to control yourself. You may be buying unnecessarily just to satisfy yourself. You may want to project yourself as a flamboyant, rich and careless person; all of this with no saving is just going to end you up with a really bad ending. This attitude is just foolish and highway towards bankruptcy. While an occasional outing with family is necessary is essential for adding the spice in life, but make sure it doesn’t cost a bomb and you end up blowing away all saving which was to be used for some other purpose other than this outing. 

Start Early

The proverb “Slow and steady wins the race” doesn’t apply to your finances. In-fact the more early you start the more secure you are. Start saving from Day 1 of your job / business. Tomorrow is day nobody will see today. You never know what tomorrow is going to be so better be prepared for it. You benefit a lot from starting at an early age. Your premiums are low; you may invest less and earn more. Moreover you can pass this habit to your other family members. You can inculcate this good habit to your children from a very young age if you practise it yourself.

If you start very late this is bad not only for you but for your family as well. You may have no emergency fund to support any medical emergency in the family. Looking at the high cost of education today (School, Tuition, Hobby,) forget higher education even basic education may seem to be a difficult task. All of this can be avoided only if you start early. Even small amount have a large impact on your long term savings. 

Have a plan and a backup plan.

There is a saying among all the Financial Planners “If you don’t plan you plan to fail.” Planning is very important not only in your financial life but also for your personal plan.  If you decide to do save money you to plan how you are going to do it. Whether you are going to have short term or long term plans.  Also have a backup plan in case your plan are crashing or seem to be failing at some point of time this your you can prepare for the worst and reap the best.

Bring the Change !

One day when I came to my office I was asked by my Manager to change my work desk. I was a bit hesitant at first since I was really comfortable and had been there ever since I had joined the organisation and was on good terms with my neighbours.  It was not like I was asked to change my job profile but then the thought of change irked me.

In life we get so comfortable with a certain routine that we do not want to change the way it was initially put up. We are having a fear of change in our minds or sometime s we are just lazy to actually bring about any change. We mostly doubt the change that is taking place instead of taking it positively. However we knowingly or unknowingly go through changes. We only notice it when it has had some outcome. Our today’s generation are experiencing change that the whole of mankind has not seen till date. Technology is changing at such a rapid pace. We have hundreds of inventions and discoveries in such a short period. Yes, of course there are a few exceptions, but who knows they too can get changed with the so much of change happening in the human history.

We would progress in our life only if we learn to adjust ourselves to change, that is after all how we have survived for millions of years. Historically it is proved those who have shown resistance to change became extinct over a period of time. You too would just vanish in the crowd if you do not change.

Keep learning new things, try different things don’t hesitate to change. In today’s competitive world it is essential that you acquire new skills or polish your skills with the latest tools to be different. Don’t mind the beginning glitches; you will need some time to get your hands on it. Many corporations understand that they need to keep up with the changing trend if they want to survive. When Apple launched their “I Phone” it was not a telecommunication company, they were known as Computer giant but Steve Job knew that this change was vital for the survival of his company. We all know how Apple changed the rules of the game afterwards, forcing even its arch rival Microsoft to jump in the mobile business. So is the story of Lamborghini cars. Lamborghini previously used to manufacture Tractor’s. He was often taunted by Ferrari for his tractors, So Ferruccio Lamborghini dream of cars that would take on Ferrari which was soon turned into reality. That’s the essence of change you will never understand what lays for you unless and until you are ready to change. No man in this age can be saved from the cycle of change. You need to change yourself even if you want the real you to be showcased to the real world.  You are not the same today the one you were a few years back all this change might have helped you to be a better person.  

So the next time you find yourself in a position that demands you to change, stop worrying accept it as a part of life, A way towards a better future only then can you enjoy your life. Resisting change has had really bad endings for those who did and you for sure would not like to be part of that league. So welcome change with open hands, embrace it and enjoy.

Failure! How you can get over it.

You are a failure - you have to stop trying here. This is exactly what we hear when we fail to achieve something that we planned for. Everybody has a dream, and most of us strive hard to achieve our dream. It’s not that all of our Dreams turn into reality. In order for our dreams to come true we plan, we concentrate all our strength to reach it, dedicate hours, days or even years of hard work all for achieving it. Not everybody is lucky enough to achieve their goal at one shot.

The initial few days after failure may be gloomy for some people, it is during this time that your real inner strength is tested. You have negativity all around you, looking back at all the mistakes it seems that you were so stupid to do it. You start to think of playing it safe this time and may end up giving away your hope and also your dream. 

However the trait common among all the successful people that you will notice across the globe is that they are not afraid of failure. They rise again just like a Phoenix. Failure is a part of life and you have to accept it, at the same time you have to make sure that this failure brings out the best in you. After failing you are now experienced and probably will do something that was never thought of before. Be strong, be confident and most importantly keep calm and have faith in yourself.  You need to keep trying if you want to take control of your life. Discipline is among the most important values you need to nurture in yourself. Look out for the pros and cons of your failure. Analyse what went wrong, why, how and when. Have a look around, you ever know what may inspire you.

Giving up dream is easy but to live it and to achieve it something that makes you special and successful.

Why you should Risk it.

There comes a point of time in everybody’s life where they have an option to either play it safe or take a chance by undertaking a huge risk.  This is what makes or breaks a person.  Take the story of Robin Chase, who slipped from Tanzania to Kenya (averted a risk of life imprisonment by not getting caught), also launching Zipcar with just $78 in her bank account. Both these risks did prove to be life changing for her.  Similarly for Sir Richard Charles Nicholas Branson, who started with his first business venture called “Student “at age 16. He sold his Virgin Label EMI for keeping his airline company afloat for £ 500 million, risk because had it failed he would have to face a double backlash. 

It’s worth taking risk especially when you are in your early twenties or thirties because even if you fail you can bounce back easily. It is also important to take risks because only then will you realise your true power. You may never know what qualities you possess until you unleash them.  You will never how far you can go until you are ready to risk. However there is a very thin line between stupidity and risk, you need to understand what will be the probable outcome of you taking risk. There is no need to take risk unless the return is absolutely worth it.

By taking risk you tend to work more cautiously, you focus on removing all the defects, maximizing your gains. Sometimes in life it is worth to examine yourself by taking small and big risks every now and then. New businesses should be able to take risk if they want to create an identity among their customer apart from their competitor’s, this can mean being unconventional at times. When Hugh Hefner left his job since he was denied a $5 raise by Esquire, he mortgaged even his furniture to raise capital for Playboy. He was criticised by many for his short story “The Crooked Man”, it was about straight men in a homosexual society. He responded “it was wrong to persecute heterosexuals in a homosexual society then the reverse was wrong, too”. 

For some risk taking is a way of life (read daily bread & butter) like Felix Baumgartner, the Australian Base Jumper who set a world record for skydiving from estimated 39 Km and reaching a speed of 1357 km/h. It was a risk to his life had there had been even a miniscule mistake. This shows that we pay more attention to details and small tasks for a bigger success. 

In life if you want to achieve your goal remember to go that extra mile, take some risk  do it with passion and who knows success might be yours.