Posts from — November 2010

WordWeb is a free English thesaurus dictionary and simplifies the process of searching meaning of a word.

You need to download it from its website http://wordweb.info/free/ and install in your computer. WordWeb is simple to use and what you need to do is just ctrl+right click on any word for which you want to know the meaning.

WordWeb displays the meaning for you in a small pop up box. This integration of thesaurus with local application makes WordWeb a winner.

Try this useful application.

This book completely surprised me and my first impression after reading the book was how did I miss this book so far?

Thanks to a friend who had mentioned about this book sometime back in our friend’s gathering. I had bought the book that time itself but couldn’t read it at home. I wanted to read it at a stretch and absorb as much as possible. However, I was not able to find a reading slot of 4-5 hours as I work full time and in the evenings I spend a bit time on blogging and remaining time with family.

It was my traveling which got me an opportunity to read this book. It was a weekend, and I was supposed to travel by train to my relative’s place. Trains are always my favorite mode of travel because I feel good to peep through the windows and enjoy the view nature while train is on the move. I also get lot of fresh ideas while traveling.

I had reserved the ticket and reached the station well ahead of time and got inside my compartment.

I actually had 2 books with me. One was Rich Dad Poor Dad and the other one was Focus from Leo Babuta. Since Focus Book was uncopyrighted book (Free to share), I had taken the print of the book and wrapped it with a nice binding.

I started with introduction in which Sharon Lechter who is co author of the book gives the background of book’s origin and sets the stage.

Then he teaches various lessons such as financial literacy and inventing money and few other amazing chapters are included. I was reading a amazing book about wealth building which exposed the real secret of how to get rich.

I took out my notebook (which I carry in all the journeys) and decided to take notes. I feel good to take notes while reading something interesting because writing works as a “save” button for me.

Author surprised me when he said that buying home is not an asset, but a liability. I was in shock. Then he reveals the reason behind this statement using simple diagrams. I couldn’t agree more with him. My note book, was now full of action points for myself. I have been a good financial planner but Rich Dad Poor Dad is an eye opener for me. I found I was following few points in the book already but book revealed many secrets about money management which I did not know.

I had finished the book around 9 pm and it was a wonderful journey for me. Those 4 hours that I put in reading the book taught me financial wisdom and much more.

RichDad Poor Dad has great influence on me as it educated me about financial literacy and encouraged me in living the life the way I always wanted. Rich Dad Poor Dad is not just about get rich formula, it’s about understanding difference formal education and financial literacy. No wonder the book is bestseller and I am sure it still sells thousands of copies worldwide.

To end this post, I recommend this book to one and all. Books can change lives. There cannot be a better example than book like Rich Dad Poor Dad.

When I was young, I thought that money was most important thing in life; now that I am old, I know it is – Oscar Wilde

With this article I am going to show where your hard earned money is getting wasted (or poorly spent) and why you are not able to save money even though you earn a decent monthly income. If you feel that you manage your money very well, then you can ignore this article

To start with, what we need to realize is, its not important how much we earn, it is important how much you save (keep) and how you manage your money. Below are 5 areas in the modern eras where you are spending your hard earned money and you were clueless so far about these. Not because you did not know these but you did not notice them.

So controlling your temptation is the key. Haven’t you heard about a Kite? If you want it to fly well, you need to have control over the thread. What happens if you lose the thread? Kite will slap the ground soon. Money is like Kite. You need to hold the thread to make it fly.

Let me share a humor with you. I heard this from a friend. There was a person who was using credit card and has maintaining it so well that he never had to pay any penalty or overdue charges. He always paid his dues on time. One day he was going to pay his dues to credit card office as usual on time. Then credit card officials whispered amongst themselves “Hey Look, our worst customer is at the door”!!! I think you got my point.

Coming to the telephone bills, shut down unwanted phones. If you travel frequently then try avoiding roaming charges by taking a local number or SIM cards. There is a golden word. Talk Less, Say More. Talking in phone is not same as talking in person.You will see considerable amount of savings after implementing point number 3.

4) You are not tracking your money: Start maintaining a spreadsheet to record your monthly outgoing and incoming money flow. It need not be complicated formula based spreadsheet but a simple one would do. It will serve the purpose of your money tracking. It is difficult in the beginning to note down everything but once you make it a habit, it’s actually an exciting and fulfilling exercise.After all its your money. If you don’t track your money then who will?

So folks, this long article, I tried to show you some practical ways to save money. It takes little sacrifices such as giving up your temptations, limiting your phone calls but this comes at a very good reward. After all it’s your hard earned money. A penny saved, is a penny gained.

I suggest you to read a fantastic book called Rich Dad Poor Dad which is about managing your money. Author Robert T. Kiyosaki explains difference between an Asset and liability. He also teaches financial literacy which is very different from our education. This book is a international bestseller. Check it out at Amazon where you get it for very small price.

Rich Dad Poor Dad: What the Rich Teach Their Kids About Money-That the Poor and the Middle Class Do Not!

Passwords? Aah, they are tens of them. Nope there are actually hundreds of them. We all have several online accounts and passwords including forums logins, emails , home banking and so on. How do you manage your all these passwords? Is there a secure way of storing these username/passwords?

Answer is here. Check Keepass

Keepass is a free, open source desktop password management tool. Its completely secure, easy to use and you can manage all your passwords efficiently.

Password Management

As you can see in above screenshot, you can create your own groups and keep your username and passwords.

Keepass needs to be downloaded and installed in your machine. It is a desktop application which opens when you issue the master password for the application. So only password you need to remember now onwards is the master password of keepass

Keepass comes in 2 versions. Either you can install in your computer or you can use the portable version as well so that you can carry it in a pen drive or a disk when you are on the move.

So give it a try and end your password management worries

Take a look at this awesome website called 360Cities.net

This has amazing Gigapixel Panoramic photography of  various cities of the world. You can pan, zoom and view details.

london panoramic photography

Latest on the website is World Record 80GigaPixel Panorama of London

Visit 360Cities and visit the world.