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MUSING 34 INSURANCE: THE ESSENTIAL FIVE- PART 1 The festival of lights is here, and festivities are in the air. Deepawali is not only the time to strengthen our bonds with our family and friends but also to let go of any festering resentment and anger towards anyone. This is also the time to keep yourself and your family safe while celebrating with crackers and light. My book, “Musings of a Financially Illiterate Father” is doing great with positive reviews pouring in from India and abroad. A review by Gregory Sequeira is here. https://medium.com/@gregorysequeira100/how-my-reading-improved-in-a-month-with-my-new-kindle-reader-c1973877ced8 This is also the time to reflect upon another kind of safety for your near and dear ones- Insurance. For effective and efficient financial management, a regular income stream is a prerequisite. If the sole source of income is the breadwinner of the family, his or her well-being becomes absolutely vital for the financial

  PERSONAL FINANCE MUSING 33 THE BREATHING FUND Hi friends I am back after a rather long hiatus which was for a noble cause though. I was busy working on my second book which is currently under editing. I will share the details with you over the coming weeks. Just as a teaser- the book is once again on personal finance, with a twist. Without further ado, let's begin the conversation of this post. You must have heard of the Murphy’s Law which states, “Anything that can go wrong will go wrong.” I have invariably found it true in life situations and especially as far as my financial life is concerned, Mr Murphy will generally be accompanied by his cousins- debt and loan. Our epic scripture Bhagwat Gita states, “Whatever has to happen will happen,” but that does not absolve us from being prepared for Mr Murphy and his cousins. One easy way of doing it is by creating a "B reathing Fund " , which allows you to sleep peacefully at night in spite of what life may throw at