But how do you do it?

The answer can be found in answering four important questions -

What happens if you die tomorrow? Will the living conditions of your family be the same after you?

If your answer is no – which is by the way for 90% of Indians, then the single most important thing to do is to take pure TERM INSURANCE, equal to the earnings of your dependents.

This is the cheapest way to financially maintain your family’s living conditions, in case you are not around. A typical term insurance for a 25 year old costs Rs.3,000 per annum for Rs.10 lakh cover.

Many people wrongly avoid taking term insurance thinking that you won’t get the money back if you are alive. But the true purpose of insurance is to protect you from extraordinary circumstances for which you can’t normally be prepared. It is difficult to assume that a person who is just in his early work life can save so much as to protect his family’s living conditions. Meeting needs like child’s education, rent or EMI, parent’s health and other important money needs which are fulfilled by an earning member, become impossible in case of sudden demise.

A cost of Rs.3,000 per annum or Rs.8 per day is a very low cost for protecting your FAMILY FINANCIAL SECURITY.

What if you fall ill?

Falling ill is something unpredictable in the era of high stress. India is a country with all the world’s 2nd largest number of diabetics, large number of cardiac patients, and an ever rising number of various diseases like hypertension, cancer, etc. Need for hospitalization can set back any middle class family by Rs.1-5 lakhs for any major procedure. Add to it the stress of arranging money in difficult times, is itself a challenge. Also, compromising on the quality of healthcare for someone closely related is not an option.

Hence Medical Insurance is the best way to be prepared for contingency. A cost of Rs.10,000 per annum or Rs.30 per day for Rs.5 lakh cover, takes care of your and family’s various health needs for one year.

The earlier you enter into this policy, the cheaper it is and is hence in your favor.

What if you meet with an accident?

Meeting with an accident is one of worst nightmares one can face. Besides the pain and suffering, one has to endure significant financial loss for the family. In case of disability or loss of life, the financial needs of the family will be severely compromised. Though life insurance will cover some part of it, a low cost accident insurance is a recommended add on. At a very low cost of just Rs.3 per day, one can get insured against accidental events for about Rs.10 lakhs.

What if you lose your job today?

The world is dynamic and nothing can be taken for granted. Last few years have shown job losses are a reality which leads to severe cash crunch and increased stress. People can be out of jobs and hence salary for as long as 12 months, if economic conditions are not good. Hence, taking salary cheque for granted is a risk you must insure against.

A prudent way to deal with this phase of an individual’s life is to keep aside 3 to 12 months of expenses, which buys you peace of mind to allow focus your attention for looking out at new jobs.

The first step to an individual’s FINANCIAL LIFE is about answering the above 4 questions and satisfactorily meeting ones needs for LIFE, HEALTH, ACCIDENT and CASH needs.

Anything else in financial planning like investing for the future through any vehicle which promises long-term benefits should start after meeting the above needs. After all, to enjoy the benefits in the long-term, you have to survive the short-term.

Next steps:

Don’t read this article and forget it. Make a resolution to protect your family by taking care of these 4 things. Even though you know what you need, don’t underestimate the time and effort to put this in place the first time. Make a commitment to take care of these 4 areas. Follow up and set a goal to complete them over the next 30 days.

Print this document and use it as checklist for execution.

• Already have/taken a new term insurance plan for my family
• Already have/taken a new health insurance plan for my family
• Already have/taken a new accidental insurance plan for my family
• Already have/started setting aside for 3-12 months living expenses

Our money saving secrets are simple, easy to implement and help you make substantial savings. Our focus is on tips that make substantial difference and help you save 40-60% and possibly much more. Such tips we call as secrets. For some of you, they may not sound great but once you implement them you will see big and long term savings that will change your financial situation.

There are some money saving tips that will save you 2-5% but not enough to make a fundamental difference to your financial situation. Plus, they could take so much of your time to implement them that they are not really practical. Such advise makes you penny wise and pound foolish.

Moreover, many people don’t know how to start saving, as this is not exactly told in school/college text books. If you are interested to save money by becoming financially intelligent, this article and others on this site will be vastly helpful.

Secret #1 – Pay yourself first!

Save by setting aside money for savings as soon as you get your salary. Rather than trying to stop spending, it is easier and more successful to prevent losing your savings. This also works off your positive energy – let us explain this. As soon as you get money at the start of the month first move a portion of the salary into another savings account – this money could be anywhere from 10% to 30% of your salary. You could also do an automatic payment to a recurring deposit.

The secret here is – the human motivation to not lose is up to 5 times stronger than the motivation to win. Once you make the commitment to pay yourself first – you are now working with the stronger human motivation to not lose money (that is working in your favor to help you save money). When you have set aside money as soon as you get your salary, and when you try to take a portion of that to buy something – you will question yourself strongly – is this really required? Because now you are taking away money from your wealth to pay something that may not be required and will reduce your hard earned savings.

Secret #2: Shop intelligently

Every person has genuine needs that require shopping. So you can never stop shopping, you need to shop intelligently. From small things like groceries to big ticket items like home, car and vacations – shopping intelligently helps save a lot of money without depriving yourself of any genuine needs.

When somebody needs something then they buy. However, some people also buy when they don’t require or buy much more than required. Some people also buy for status, for experience, or to make them feel superior. Purchasing makes you feel good about yourself for a few hours. People often shop to feel better about themselves; in such cases of shopping addiction, they find it difficult to save. So avoid shopping addiction to save money.

Secret #3: Understand the difference between fancy lifestyle and being rich

One of the major reasons that many people don’t save enough is because they do not understand the difference between a fancy lifestyle and being rich. Most people believe they need to increase their spending habits and have a lavish lifestyle once they have a little surplus. After all, they could not afford some things earlier and now that they have the surplus, why not buy the fancy vacation, car or house.

Wealth is the number of years you can live without earning a single rupee based on your current living expenses. If your living expenses decrease, then your current savings will make you wealthier. Similarly, if your living expenses increase, then you become less wealthy (rich).

While the currently wealthy, who have a fancy lifestyle catch your attention. Many of them, if they get too fancy may get less and less rich with each passing month. While the steadily rich, live below their means and avoid unnecessary fanciful lifestyle.

For example, while many small time entrepreneurs move to expensive cars like Mercedes Benz, Audi and BMWs. Narayan Murthy of Infosys fame with a net worth of Rs.7,000 crores only uses a Skoda. While Azim Premji of Wipro whose net worth is 60,000 crores drives a Toyota Corolla.

When you cannot afford something, not owning makes it feel lot worse emotionally. However, when you can afford something by paying full amount in cash, you do not feel bad. Because deep down you know you can buy that item whenever you want, you are making a conscious choice to not buy.

Secret #4: Open a separate account for your “saved money”

It is always better to have another savings account for your “saved money”. So you know this account is only for savings and you will never use this money for routine expenses. If you keep your saved money in your regular savings account, you will have to spend too much time reconciling the accounts to find how much money you have saved and how much money is towards this month’s expenses.

Preferably, you should not have a debit card or ATM card for this “saved money” savings account. If at all you need the money – you can use online banking to transfer from your regular bank account to this designated “save money” bank account.

If you do not have a separate account, you will not know how much balance you have for regular expenses like rent, phone bill, electricity bill etc. and how much money you have set aside for savings. As a result, you are very likely to use up money from what you have saved for making unnecessary expenses because you think you have not spend the full amount from this month’s salary or budget.

What next?

Now you are aware of the major secrets of saving money. Remember, the quote “to know and not to act is not to know”. So now you have to make the commitment to use these secrets to save lots of money. As much as your current income will allow. One of the abilities of self-made rich people is their ability to save aggressively. If you build a habit of saving money, you will most likely build a lot of wealth.

Now that brings us to one thought that may be lingering in your mind. Is it worth doing? I mean shopping discipline and avoiding fancy lifestyle looks like avoiding fun you may think. One of the things that people with lots of saving have is ‘peace of mind’ – the ability to be not stressed by monetary issues. While those who are not financially intelligent, are always stressed by money. This is many times, even after having a very good income.

So finally, the big benefit of saving and living a financially sensible lifestyle is about peace of mind, reduced anxiety that allows you to enjoy the many benefits of living life.

It can come as a knock on the head if someone is informed that they can be permanently cured of acidity. One can find it hard to believe that there is a magic bullet that can help get rid of acidity once and for all. The solution to this problem was found in early 1980’s by Warren and Marshall when they proved that many stomach ulcers and gastritis occurs due to infection caused by H. pylori bacteria. Their works remained in oblivion for long period and gained credibility only after they got Nobel Prize in Medicine in 2005 for their work.

About H. pylori bacteria:

Helicobacter pylori (H. pylori) is a bacterium which can infect or contaminate the human stomach, using the stomach’s mucus lining. It is a common bacterium infecting nearly half the world’s population. This bacterium can lead to digestive illnesses, peptic ulcers (sores), gastritis and even cancers.

H. Pylori increases the secretion of stomach acid, which allows acid to burn the sensitive lining which is beneath the protective mucous layer of the stomach and duodenum. Gastric ulcers (in stomach) or duodenal ulcers (in duodenum) are caused due to irritation of lining by both acid and bacteria and also creates holes (or perforation) if not treated in time.

H. pylori can survive in stomach acid as it secretes enzymes which will neutralize (nullify) the acid. This process makes H. pylori to safely survive in the protective mucous lining. The bacterium’s spiral (helical) shape assists in burrowing through the lining.

Symptoms of H. pylori infection:

The reason why many people will not sense symptoms of the presence of H. pylori in the digestive system, as increase of stomach acid or lowering of acid’s PH which generally obstructs the bacteria from migrating. Symptoms of H. pylori infection are burning abdominal pain, nausea, vomiting, bloating (swelling of belly), sudden weight loss, problems in swallowing, bloody vomit or stools.

Diagnose of H. pylori:

In order to get confirmed that symptoms are caused due to an ulcer, the doctor will perform an upper gastrointestinal (GI) series (X-ray of the esophagus, stomach, and duodenum) or an endoscopy. If an ulcer is detected in these tests, then the doctor will test for H. pylori. This test is necessary because treatment for an ulcer produced by H. pylori and an ulcer produced by NSAIDs is different. H. pylori bacteria is diagnosed or recognized using blood, breath, stool, and tissue tests of which blood tests are most commonly conducted.

Treatment for H. pylori infection:

H. pylori peptic ulcers must be treated with drugs which can destroy the bacteria, reduce the secretion of stomach acid, and protects the stomach lining.

Treatment generally includes a combination of antibiotics (to kill bacteria), acid suppressors (H2 blockers and proton pump inhibitors), and stomach protectors. The most convinced effective treatment for H. pylori infection is a 2-week course of treatment known as triple therapy. This therapy involves consuming of two antibiotics and either an acid suppressor or stomach-lining shield. Recent studies proved that 2 weeks of triple therapy is ideal and excellent even though it had some side effects.

Causes of H. pylori infection:

Swimming in or drinking contaminated water and lack of hygiene serves as a source of bacteria. H. pylori bacteria are contagious and get transmitted mostly through oral to oral or fecal-oral route from the infected person. The process of how H. pylori spreads is not known to anyone, so prevention will be difficult.

Even the Pharma companies are reluctant to actively promote a permanently cure for acidity. Recently allegations are being made that big Pharma companies unnecessarily flared up the swine flu scare to rake in huge profits. In similar way, the Pharma companies, inspite of knowing that acidity is caused by H. pylori did not actively promote this information and increase awareness among affected people. May be, loss of decades of antacid sales from each patient was a big disincentive.

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Michael Mischel conducted experiment in 1960′s with a group of children 5 – 8 years old to explain the how important self control to success. He tested 10 – 15 children one after the other. The test began by offering one cake with one condition i.e. later they may get another cake if they wait till he return back. He left for approximately 15 minutes. In the gap many children played with cake, few people ate it before he came.

Fourteen years later, the simple study demonstrated the significant differences between the two groups of children. The children who delayed gratification and waited until Michael Mischel return were more positive, persistent when faced with life difficulties, more self motivated and were able to delay immediate gratification in order to pursue their longer term goals.

The children who chose 1 cake didn’t fare as well. They were more indecisive, mistrustful of others, less self confident and often more troubled in general. They were more obviously unable to delay immediate gratification.

Comparing the SAT scores of the 1 cake students to the 2 cake students showed that students that chose 1 cake scored an average of 210 points lower than the 2 cake students. Why? 2 cake students are able to sacrifice immediate activity in the interest of more focused study time for a longer term benefit. The one cake students were far more impulsive resulting in higher distraction and less focus on their school work.

This article explains the two important traits delay gratification and impulse control. These traits are very important for success. People who invest in delayed gratification associate hard work with high rewards. In simple words, delayed gratification is the highway to real success.

Note: In the original list marshmallows were used. For easy understanding for Indian audiences here cake is taken instead of marshmallow.

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People typically become house poor because they buy more house than they can afford, but there are other ways that people can become house poor as well. For example, some people will become house poor after the birth of a child, when one spouse decides to stay at home with the new addition, rather than going back to work.

“House poor” is the term for those who spend too much on house payments and maintenance. It’s a common affliction. Sufferers starve their retirement accounts and miss pleasures such as dining out and taking nice vacations. Being house poor can even fracture a marriage.

In homeownership, as in all things, moderation is best, says Tahira Hira, professor of personal finance and consumer economics at Iowa State University.

Definitions

• The condition of having very little cash because nearly all of one’s net worth is tied up in one’s house. (Investor words)
• People who are short on cash because most of their money is tied up in their homes are “house poor”. (Dictionary by farlex)

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Clinic requires lot of patients to make it viable

After the completion of medicine, person will not be immediately appointed as a doctor in hospital as they are already preoccupied with well established and experienced doctors in good number. Moreover, there will be social pressure to earn money. So, a person after completion of medicine should establish small health center like clinic and provide treatment to people for some time period. In order to handle expenses like office rents, advance to place, pay salaries to attenders, cleaners, paramedic staff etc., he needs to invest a lot of money, for which he cannot depend on his family further because they had already spent so much money for his education to complete medicine. So, the only option left for him is to earn money by giving treatment to patients and to retain these patients i.e to make them comfortable to come to him in future for any health problem, so that he get more income to handle all his expenses. Even though he is good at his treatment or work, he needs to keep his patients comfortable in order to survive

There is peer pressure to be successful

For a person, to complete medicine he requires nearly eight and half years whereas an engineering graduate can complete education in four years. The person who completed graduation in any other field like engineering (except medicine) will get settled in a short span of time after completion of education. He owns almost everything like car, house etc., by himself, by the time a person completes MBBS and MD courses. So, the person after completing his medicine tries to establish a good practice as early as possible, since they feel they are already too late. This can be achieved by having a good medical practice, which means they need to cater to many kinds of educational backgrounds to come to them.

Patients do not cooperate with doctor

Doctors try to provide best treatment to patients by saying good things. However, there will be old-fashioned patients who are not educated and may strongly disagree with the suggestions given by doctors. For example when doctors suggest that consumption of citrus fruits like oranges reduces cold, old fashioned patients are not aware of this and claim that taking of these fruits causes cold. If Dalai Lama, a great peace preacher approaches Afghanistan terrorists and preach them about peace and its importance for few minutes, will they change their attitude? No. Similarly, attitude of old-fashioned people cannot be changed in 10-15 minutes even if doctor gives good advice. Many patients will follow old beliefs and circulates negative feedback on doctor’s treatment if they try to change their outdated beliefs. So doctors are afraid in confronting the beliefs of such patients and do not give scientific advice to them, as they could lose patients. Doctors provide treatment to patient based on their attitude and on how educated the patient is.

So, an educated person should ask a doctor for the cause of his health condition or sickness. Unless you establish that you are an educated person and only after the doctor is fully convinced that you are genuinely seeking a scientific opinion does the doctor give technically accurate (modern) diagnosis. If you do not convince the doctor that you are educated, you are likely to be treated as an ignorant villager.

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Most of the parents have a preconceived notion that most expensive/ luxurious schools will teach good soft skills to their children and hence indulge in paying huge fees to these schools. It has been observed that if the parents are with strong values, integrity and positive attitude, they can inculcate in their children a set of solid values like fairness, honesty, discipline, justice, integrity etc. right from their childhood. Even the school in which a person has been brought up, also influences his soft skills, if the school itself is with bad environment or bad culture, how can one expect to have good soft skills in a person who has been brought up in it.

When a person is looking for a job those with good upbringing will possess a strong set of soft skills that helps them to get selected for good jobs. Remember any thing that can be bought with money is a commodity. Sending a kid to the most expensive school is not enough.

The attitude of ‘Charity’ in the mind of a person starts from his home. Similarly, a person’s behavior and development of his soft skills starts from his home right from his childhood. How good or how bad a person’s soft skills are? mostly depends upon how well he has been brought up by his family members and the society to which he belongs.

Parents ignore the fact that it is their fundamental duty to instill a strong set of soft skills in their children right from their childhood by educating them about the acceptable attitudes and behaviors to be followed in the society. Thus, parents have to realize that proper upbringing helps in building the right foundation for their children in developing good soft skills.

So, good family upbringing plays a major role in helping the development of good soft skills and teaching to act appropriately in the society. Probably, the strongest influence in a person’s life and on his soft skills is the family he grew up in. The birth order, the personality of parents, treatment from siblings, the socioeconomic status of family, and education will shape the soft skills of a person.

If the person had no good relations in between and among the siblings of his family, he automatically carries the same to outside the home, may be to educational places and work places etc., which leads to poor soft skills. On the other hand, when a person has good communication and good relations in and among the family members or the siblings, then he tends to practice good communication skills, a positive attitude, and good negotiation skills etc., which are a part of soft skills.

In some families, parents never cared for their children and they grew up not knowing much about the outside world. As a result, the kids do not even know how to behave in the society and lack in their soft skills. On the other hand, when the parents care about their children and teach them how to behave in the society, how to talk with the people, how to understand the people, and how to tackle the hard situations etc., it has a positive impact on the kids. The children will develop a positive attitude, a tendency of facing challenges and builds empathy, which slowly develops a set of good soft skills for the child as he grows up in his life.

It has been also said that, confident and skillful parents adopting a ‘tough love’ approach to parenting in the upbringing of a child by balancing the affection and discipline seems to be most effective in terms of generating the characteristics such as purpose, self-regulation and empathy, which are considered to be good soft skills for a person. Parents cannot ignore their responsibility of giving a good upbringing to their kids. So, every parent must not forget that it is their duty to bring up their children not only giving good education but also good kind of attitude and culture.

When a child has a good family upbringing along with a good school education, that child is likely to do very well in life. Children who have been molded well by their parents & teachers, whose rational mind has been strengthened and good character has been build, can look forward to a bright career and contribute significantly to their employers success. Such individuals are valued greatly by employers.

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With offshoring creating many job opportunities in India, many people are getting into MNC’s operating from foreign countries, particularly from US. Once they get into a company, they will be happy with their payouts for few months. But later, they start comparing their salaries with their counterparts in US and get disheartened. But what they forget is that the purchasing power of the money in India is three times more than that in US. Let us consider the cost of living in India and US to understand better.

Food

Food is cheap in India. Let us look at the prices of the basic groceries in India and US. A standard loaf of bread costs between Rs.16 to Rs.20 in India where as the same costs more than Rs.50 in US. One dozen eggs cost around Rs.33 in India, where as the same costs around Rs.60 in US. 250 grams of tea powder costs around Rs.70 in India, where as the same costs around Rs.190 in US.

Maid

You can probably get a maid for Rs.1,000 per month to clean dishes, wash clothes and even clean the floor daily. Where as for the same amount in US, you can hardly get a maid to work for 2 hours.

Transportation

Autos in India are very cheap and they will cost you nearly Rs.12 for first 1.5 km and then Rs.7 per km. Even if you book a private cab you will be charged Rs.30 as minimum for first two Kms and Rs.15 for every subsequent Km. Where as in New York City minimum taxi fare is Rs.225.

Apartment rent

A 2 bedroom flat in a nice locality costs around Rs.7000 in India where as the same costs around Rs.54,000 in US. However both the flats will not be the same. Flat in US includes central AC, fridge, gas burners, and some furniture etc. Flats are not available without these facilities in US.

Other utilities

In India, the government subsidizes gas prices. So, they are very cheap. You can get a gas cylinder for Rs.315 in India but the same amount of gas in US costs around Rs.2250. For high quality cable pictures, you can install set top box, which would provide a reasonable amount of channels at a maximum of Rs.400 per month. But, 70 channels through cable TV in US costs around Rs.2250. The yearly subscription price for the newspaper, Wall Street Journal costs around Rs.5355 and its equivalent in India, The Economic Times costs around Rs.1260.

Other expenses

Haircut in US costs around Rs.350, but the same thing in India costs around Rs.50 only. Healthcare is very cheap in India. You can consult a private doctor for Rs.150 in India. Consulting fee of a doctor in US will be somewhere around Rs.6750.

Somebody in US may be making money, but they are surely not saving because the prices are very high and the value of services you get in US is very less. This is because of the ‘Purchasing Power Parity’.

Purchasing power parity

PPP is an economic theory that measures the amount of adjustment needed on the exchange rate between different countries in order for the exchange to be equivalent to purchasing power of each currency. Simply, PPP is the amount required to buy a certain basket of goods that can be bought in the given country with the money it generates.

Due to PPP, some of the basic and important needs of a person such as food, shelter, clothing, transportation and entertainment are cheap in India. The purchasing power of Indian rupee is more compared to the US dollar. This is also the reason so many people who have gone abroad are returning back to India even at lower pay.

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Health conditions that can be treated at home

All diseases are not dreadful. Few diseases can be cured at home with few changes in diet and taking rest. Preventive measures and medicine can be prepared at home itself. Some health problems that can be treated at home without going to hospital are Headaches, Poor digestion cause stomachache, Common cold, viral fever, small cuts, injuries etc. People try to contact the doctor even for these minor problems and pay huge amount of fees. These ailments get cured by themselves, but it takes some time. It seems to be ridiculous for an educated person even after knowing these facts tries to consult doctor for minor diseases.

Diseases that need doctor’s prescription

Some diseases can be treated after the prescription given by the doctor. People should follow the strict instructions given by doctors. If these diseases are not identified at initial stages, then there is possibility that a person can die. Some diseases that can be treated after going to hospital once for prescription are Measles, Small pox, Jaundice, Hepatitis, Malaria, Sinus congestion, Piles, and Disc prolapse.

Diseases that require doctor’s supervision for long time

Some diseases are caused through hereditary and they trouble the patient forever. There are some diseases, which need to be always supervised periodically by the doctor, and proper medication should be taken for whole life. If the patient discontinues the medication at any point of time, then it may lead to death. Some diseases that take more time to get cured are Diabetes, Hyper tension, Migraine, Allergic asthma, AIDS, cancer, Arthritis of different kinds and paralysis.

Diseases that require Hospitalization immediately

There are some situations or diseases, which require hospitalization immediately when recognized. If not hospitalized in time, it may lead to death of person. Some diseases for which hospitalization is required are accidents caused due to collision of vehicles, when drowned in water, when met with fire accident, heart attack, Swine flu, dengue fever, and Tuberculosis.

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Definitions

• Fierce competition to maintain or improve one’s position in the workplace or social life. For example, You may not realize what a rat race it is to get research grants. This term presumably alludes to the rat’s desperate struggle for survival.(The American Heritage® Dictionary of Idioms by Christine Ammer)
• any exhausting, unremitting, and usually competitive activity or routine, esp. a pressured urban working life spent trying to get ahead with little time left for leisure, contemplation, etc. (Random House dictionary)
• a mad scramble or intense competitive struggle, as in the business world (Webster).

Ratrace conjures up the image of the futile efforts of a lab rat trying to escape whilst running around a maze or in a wheel. In an analogy to the modern city, many rats in a single maze expend a lot of effort running around, but ultimately achieve nothing (meaningful) either collectively or individually.

Shows succumbing to the present and not keeping the big picture in mind. It shows a lack of wisdom and a prioritization of what is essential. It also shows being afraid of being functional. You will lose tomorrow to look cool and be with the crowd today

Like a child on a first trip to Disneyland- many people are getting beserk because of lack of prioritization. Sucumbing to pressures from colleagues and extended family members – they get addicted to perpetually pursuing the ‘cool things’ to ‘appear’ good to others.

This could include many things:

1. Joining a course because everyone is doing that or worse still you may not be considered intelligent so you join this course instead of what you really like.
2. Buying a bigger house than required or buying in a certain area – otherwise you will feel left out. People in the rat race are extremely concerned about being left out.
3. You buy the more expensive shoe or jeans because you will not feel left out. Even though the cheaper shoe or jeans fits you well and is more functional
4. You buy the less functional motorcycle or car because it has a cool image. While the more practical motorcycle or car will mean you stand out from others.

Sadhu’s go away from people to remote hills to get wisdom. While people in the rat race get extremely anxious on being left out on anything. They just want to be in the ‘in circle’.

“No matter what you do in the rat race, success is not guaranteed, but if you do nothing failure is” .Paul Ulasien– Author of : The Corporate Rat Race: The Rats Are Winning

The trouble with the rat race is that even if you win, you’re still a rat.

To be out of the rat race requires strong convictions and a belief in tomorrow. Otherwise, the pressure to conform to the majority way of thinking is very high.

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