Harminder Singh

Is this you? If it feels that things are on auto pilot mode and you are in the ‘taking it easy’ space, then you definitely are operating in the comfort zone.
Nothing wrong in it apart from the fact that growth and learning get thrown out in this zone. It fomidges the extra ordinary potential from you.
Psychologists say that between the Comfort Zone and Danger Zone lies the Optimal Zone or Growth Zone where you experiment, develop skills and stretch your abilities. Feeling positive and accomplished is what you gain outside of the Comfort Zone.
How to step out of CZ you ask? Well here are some pointers collated from many experts:
- take a risk and accept challenges.
- get comfortable with being uncomfortable.
- ask advice from peers, get a coach.
- leverage your skills to volunteer.

Six Leadership Principles that we can learn from an Eagle

1. Eagles fly Alone and at High Altitudes.
They don't fly with sparrows, ravens, and other small birds.

MEANING; *Stay away from narrow-minded people, those that bring you down. Eagle flies with Eagles. Keep good company.*

2. Eagles have an Accurate Vision. They have the ability to focus on something as far as 5km away. No matter the obstacles, the eagle will not move his focus from the prey until he grabs it.

MEANING; *Have a vision and remain focused no matter what the obstacles and you will succeed.*

3. Eagles do not Eat Dead things. They Feed only on Fresh Prey.

MEANING; *Do not rely on your past success, keep looking for new frontiers to conquer. Leave your past where it belongs, in the past.*

4. Eagles Love the Storm.
When clouds gather, the eagle gets excited, the eagle uses the storms wind to lift itself higher. Once it finds the wind of the storm, the eagle uses the raging storm to lift itself above the clouds. This gives the eagle an opportunity to glide and rest its wings. In the meantime, all the other birds hide in the branches and leaves of the tree.

MEANING; *Face your challenges head on knowing that these will make you emerge stronger and better than you were. We can use the storms of life to rise to greater heights. Achievers are not afraid to rise to greater heights. Achievers are not afraid of challenges, rather they relish them and use them profitably.*

5. Eagles Prepare for Training;
They remove the feathers and soft grass in the nest so that the young ones get uncomfortable in preparation for flying and eventually flies/ when it becomes unbearable to stay in the nest./

MEANING; *Leave your Comfort Zone, there is No Growth there*.

6. When the Eagle Grows Old,
His feathers becomes weak and cannot take him as fast and as high as it should. This makes him weak and could make him die. So he retires to a place far away in the mountains. While there, he plucks out the weak feathers on his body and breaks its beaks and claws against the rocks until he is completely bare; a very bloody and painful process. Then he stays in this hiding place until he has grown new feathers, new beaks and claws and then he comes out flying higher than before.

MEANING; *We occasionally need to shed off old habit no matter how difficult, things that burden us or add no value to our lives should be let go of.*

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Saving and protection Awareness in reputed corporates especially when changes in taxation structure of Insurance sector.

"A story of inspiration, love and touching hearts and stars!" Celebrating 🧡

18 Years of Swades!

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Re-invent your identity - English Re-invent your identity - English

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Be your own Boss Be your own Boss

You don’t need Term Insurance at such a young age. Don’t think so negatively by talking about death. We are young !!

If you have the above feelings towards Term Insurance, then you’re not alone. 55% of Indian millennials don’t even know what it means.

Let me talk about few main reasons why you’d want to purchase one sooner than later.

👉🏻 Parents: In a lot of families, along with spouse and kids, our parents are also dependents. A good part of their savings were spent on our education, wedding etc. In the unfortunate event of death, they’d be left with monetary support to spend the rest of their life.

👉🏻 Lannister always pays his debt: There’s a home loan in your name but a year later you pass away. What does your family do in this situation? Buy a term plan, they would have enough to pay off your debts later.

👉🏻 Low premiums: Young and healthy = Low premiums. You can get a massive 1 Cr cover for just 10k a year - that’s an offer you shouldn't refuse.

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Sometimes it can feel frustrating when we have been on the same path for a while and the destination is right around the corner but we are getting sick of all the twists and turns. Entrepreneurship can really feel like this road, especially when you are on the journey alone. It's key that we stay focused, inspired, and enjoy the journey!

He is at least lucky one to have pension - do u have any arrangements for Annuity ??

*Vinod Kambli, living on Rs 30,000 pension*, looking for work in cricket: 'I have a family to look after' - Firstcricket News, Firstpost
https://flip.it/LDtdVt

For more details- Harminder Singh(9872809065)

Vinod Kambli, living on Rs 30,000 pension, looking for work in cricket: 'I have a family to look after' - Firstcricket News, Firstpost Mumbai: Vinod Kambli came into the limelight in February 1998 when he and Sachin Tendulkar stitched a world record 664-run partnership for their school in Harris Shield tournament. In his first Ranji …

*Nine Personal Finance Rules we all should know.*

1) Rule of 72 (Double Your Money)
2) Rule of 70 (Inflation)
3) 4 % Withdrawal Rule
4) 100 Minus Age Rule
5) 10, 5, 3 Rule
6) 50-30-20 Rule
7) 3 X Emergency Rule
😎 40 ℅ EMI Rule
9) Life Insurance Rule

1) Rule of 72 - Number of years required to double your money at a given rate. Divide 72 by interest rate E.g., if you want to know how long it will take to double your money at 8 % interest, divide 72 by 8 and get 9 years, At 6% rate, it will take 12 years and at 9% rate, it will take 8 years.

2) Rule of 70 - Divide 70 by the current inflation rate to know how fast the value of your investment will get reduced to half its present value. Inflation rate of 7% will reduce the value of your money to half in 10 years.

3) 4 % Rule for Financial Freedom - Corpus Required = 25 times of your estimated Annual Expenses. E.g.- if your annual expense after 50 years of age is 500,000 and you wish to take VRS then corpus required is 1.25 Cr. Put 50 % of this into fixed income & 50 % into equity. Withdraw 4 % every year, i.e. Rs.5 Lakhs. This rule works for 96 % of time in a 30 year period.

4) 100 minus your age rule - This rule is used for asset allocation. Subtract your age from 100 to find out how much of your portfolio should be allocated to equities. Suppose your Age is 30 then (100 - 30 = 70) - Equity : 70%, Debt : 30%. But if your Age is 60 then (100 - 60 = 40) - Equity : 40%, Debt : 60%

5) 10-5-3 Rule - One should have reasonable returns expectations. 10 ℅ Rate of return - Equity / Mutual Funds, 5℅ - Debts ( Fixed Deposits or Other Debt instruments), 3℅ - Savings Account

6) 50-30-20 Rule - about allocation of income to expense - Divide your income into 50 ℅ - Needs (Groceries, rent, EMI, etc.) , 30℅ - Wants (Entertainment, vacations, etc.), 20 ℅ - Savings (Equity, MFs, Debt, FD, etc.). At least try and save 20℅ of your income.

7) 3 X Emergency Rule - Always put at least 3 times your monthly income in Emergency funds for emergencies such as Loss of employment, medical emergency, etc. In fact, one should have around 6 X Monthly Income in liquid or near liquid assets to be on a safer side

😎 40℅ EMI Rule - Never go beyond 40℅ of your income into EMIs. Say you earn, 50,000 per month. So you should not have EMIs more than 20,000. This Rule is generally used by Finance companies to provide loans. You can use it to manage your finances.

9) Life Insurance Rule - Always have Sum Assured as 20 times of your Annual Income. 20 X Annual Income - Say you earn 5 Lacs annually, you should at least have 1 crore insurance by following this Rule.

*Keep this information alys with u n educate your prospects*☝️

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Still thinking about protection…God Bless u

Reach at-9872809065

Freelancer financial expert with leading MNC which enlisted in India Top Best working Places.

✨By virtue of opting section 6 of MWPA, Deemed Trust gets automatically created✨*

📌Because of Deemed Trust created under MWPA, beneficiaries will be the sole owner of the proceeds. ‘WILL’ created can be challenged in court of law but investment under MWPA is out of purview of court & legal disputes.

📌Beneficiaries once named cannot be changed.

📌Creation of TRUST separately is a complex procedure but Deemed Trust gets created under *MWPA* just by signing Addendum & that too with Zero extra cost.

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Another milestone

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Head of Agency - Recognition