Conviction of Mind

Motherly love is beyond comparison. There is a saying that - "God cannot be there for all of them. So, he created mom". There is a great truth in that. All the mothers in the world love their children and want to give whatever they want. My mom is so special. She gave love, provided care and taught good and bad. She was really fun-loving and enjoys comedy a lot. She laughs and make others laugh with her words. She is a role-model in many ways. She gets up even before the sun rises and gets all the required things for us on time. She knows where things are in the house and helps everyone - from my father to my brother in getting their things.  She was kind and lived for us. There are no words to explain her love. My mom is so special. When my father had Jaundice (Manjal Kamalai), my mom helped him to recover faster. During my campus interview days, I told, I am planning to move out of Chennai for my job. My mom immediately said "you need to move places far away a

If you can live with 90% of your income, it is possible for you to make a choice of saving or investing for the remaining money. If you can't live with 90% of your income, you need to concentrate more on your career to increase the income. As a rule of thumb, it is better to live with 90% of your income. I mean, it is better to spend less than what you earn and its even more better if you can save at least 10% of your income.  Once you make sure you are living within your means, the next step is to invest as little as you can. Saving just makes the money safe but won't grow the money beyond the inflation numbers. If you are investing, it grows your money and gives you better return. Please read  Begin Investing  for more information. Why should one invest early? Investing early gives more time for you to grow your money.  Lets take a small example. John and Joe are childhood friends and of same age. They earn the same amount of money. John invests Rs. 20000 every