THE TIME VALUE OF MONEY



“All our dreams can come true, if we have the courage to pursue them.”
— Walt Disney

A rough truth we all have to face at some point is no matter how many times we shouted at ourselves that “I CAN BE ANYTHING I PUT IN MY MIND TO”, not all of our dreams will come true. Tough break, eh?

This isn’t groundbreaking?
But this can be happen too but you have to work enough, as long as you want it enough, as long as you hope and mix your sweat with tear, it’s going to happen. Life falls into place the way you pictured. Happily ever after, roll credits.
It’s not all going to happen easily.
Even some times you might have face it -Unfortunately, just before you take your first step on the righteous journey to pursue your dreams, people around you, even the ones who deeply care for you, will give you awful advice.  It’s not because they all have evil intentions (some might have but not all , best example our Parents , who always try to protect their children) .  It’s because they don’t understand the big picture – what your dreams, passions, and life goals mean to you.  They don’t understand that, to you, the reward is worth the risk.
So they try to protect you by shielding you from the possibility of failure, which, in effect, also shields you from the possibility of making your dreams a reality.
As Steve Jobs words:
“Your time is limited, so don’t waste it living someone else’s life.  Don’t be trapped by dogma, which is living with the results of other people’s thinking.  Don’t let the noise of others’ opinions drown out your own inner voice, heart and intuition.  They somehow already know what you truly want to become.  Everything else is secondary.”
So now the big question is
How do you keep living when life turns out a little bit disappointing?
What if you don’t get that one thing you so desperately wanted?
It’s OKAY for dreams to not come true. Things are going to sting. You won’t always get that job promotion , Not getting love back . You can’t simply be anything you want.

But here’s what you can do;

Listening to Your Head and not Your Heart
"Trust your instincts. Your mistakes might as well be your own instead of someone else’s." Instinct speaks to us in many forms
You can follow your dreams someday, but right now you need to be responsible. –Today is the only day you can begin to make a difference in your life and pursuing your dreams is what life is all about.  So don’t be irresponsible.  Don’t wait until ‘someday.’  Make today the first day of the rest of your new life .
You’re totally screwed if it doesn’t work out. – The worst case scenario is that things don’t work out and you have to go back to doing exactly what you are doing right now.
That’s impossible ! – It’s only impossible if you never do anything about it.  The reason certain things seem impossible is simply because nobody has achieved them yet.  But this doesn’t mean that with your help these things won’t become possible in the future.  If you truly dedicate yourself to an end result, almost anything is possible.  You just have to want it bad enough.
Only a lucky few “make it.” – Lucky are those who have course to make their dream true by working hard, They had the drive, determination, and willpower that you have right now.  You can be one of them.  It’s up to you, and only you.
You might fail.  And failing is Good sometimes not all times. – Failures are simply stepping stones to success.  Yes ! until unless you failed in your life , you can’t learn anything , I mean to say If you’ll be a winner then you may not understand what are the different strategies you can follow to make yourselves successful. No matter how it turns out, it always ends up just the way it should be.  Either you succeed or you learn something.  Win-Win.  The biggest mistake you can make is doing nothing because you’re too scared to make a mistake.  If you can’t handle failure, then you can’t handle success either.
You need more money saved before you can take the first step. – Money is the reason of all sorrow and pain even money is the reason of all success. You don’t always need more money sometimes You need a well plan too.  You need a budget.  Eliminate ALL the nonessential costs in your life , take baby steps.  Before taking any big step towards your goal always ask yourself, “What actions can I take right now with the money and resources I have right now that will bring me closer to desired goal?”
You don’t need any help.  It’s smarter to go after it alone. –If you hang with the wrong people, they will negatively affect you.  But if you hang with the right people, you will be far more capable and powerful than you ever could have been alone.  Find your tribe and work together to make a difference in all of your lives.
That sounds like a lot of hard work. – Work smartly is more important than work hard , I think success in life hinges on one key point. As long as you remain true to yourself and follow your own interests, values and dreams, you can find success through passion. if you catch yourself working hard and loving every minute of it, don’t stop.  You’re on to something big.  Because hard work is n’t hard when you concentrate on your passions and dreams.
Not Wanting to "Waste" the Degree -Then there are those who really did love their chosen career — at least in the beginning. But over time, they and their occupation, well, they just grew apart. If this sounds familiar, chances are what keeps you on the wrong path is, just like a relationship gone bad, it’s hard to walk away from a career into which you’ve put so much time and effort to say nothing of the financial investment.
If you identify with any (or all) of the four reasons for getting and staying on the wrong career path, don’t waste time despairing. Instead learn and then act.The fact of the matter is we all get lost from time to time. That’s life. The danger comes when we fail to heed the road signs and thus remain stuck in the breakdown lane. I have an abiding belief that everything in life happens for a reason. The key is to find the lessons.
What should you do if you find yourself on the wrong career path? Most of us actually face but what are the right action we should take to save us . It’s easy to find yourself on the wrong career track. When that happens, the key is to stay alert for warning lights , ask for directions, and then start slowly inching your way onto that big expansive highway called Your Life! As George Bernard Shaw once observed, "A life spent making mistakes is not only more honorable but more useful than a life spent doing nothing."

My Personal Story Life experience-
Parents are the most beautiful and best gift form God but they also loser creature for themselves too. After coming MBA , I realize the value of money , where to use , how to use and when to use ? You always think about your profit too , I don’t mean to say You’ll be too greedy but if you always focusing on money inflow and outflow , you can be a good manger or investor in your future life what I learnt. My future plan to start my own VENTURE or BUSINESS (MSME) , which may comes under small business and Manufacturing category . I always believe this – MAN WISHES GOD DISPOSES , I may dream High but I have no idea what God has kept for me But as per the life rule I am moving as per my Dream , Hope ! God support me there .
But one lesson I learnt from my past life but a great advice to all parents too as parents are very possessive for their children and do something more which are not needed .
I am talking about myself – I studied many school upto standard 5th then join in Railways school 5th half -10th , which is semi Government school from Central Government of India (RAILWAY DEPARTMENT) then I go as per my Dream . I have a dream to become a Doctor that’s why I join in private college as there I can get medical coaching as well as college studies within one campus . if I’ll be study in Government then I might have to face lots of difficulties in Medical coaching class and class studies classes . From my point of view what I felt, study in Government college then send your children to coaching institutes are best option than sending any HIGH PAID PRIVATE COLLEGE, it’s money saving even effective too . why ? Lots of reasons are there (I can’t discuss all issues here) . Here I want to say, After 10th Board our life change in different mode , which is very vital period for us , now students are planning in the age of 12th years means when they are in standard 6th or 7th , Yes ! We should as now the world is changing and it’s too competitive. So always make a career goal , make a plan like B-PLAN in business then make a Balance sheet , profit and loss account then put the college and carrier and future goal with talent within that and productive outcome after how many years as time also very vital .
I did mistakes that’s why I know , I run after Biology then joined in engineering and now I am in MBA , I speand near about 20 lakh within 8 years of my student career (KIIT (11and 12th) - 2.5 lakh , IIIT – 8 Lakh (per semester -75,000 and sometimes more when we add our extra hostel fees)  , MBA – 8 Lakh and OWN EXPENSES .
I was good in Biology but poor in remembering subjects , so if I should go for engineering from beginning I might have crack any Upper Class NIT or IIT , nodoubt I got IIIT but first is IIT then Upper Class NIT then IIIT .
So instead of wasting so much money here in whole education , if I’ld invest my money in pure dental (BDS or private Medical) I’ld save at least some amount if I’ld chose medical , if I’ld chose BDS within 10 lakh my whole education will be finished without wasting time for medical dream . 
I not only waste my MONEY but also MY TIME and the MENTAL PRESSURE and TENSION I bear .
One question may comes in your mind Now- Does Dream and passion has no value in front of money , here i am saying ,yes! of course It does .
But now I am dreaming about start my own business just to do social work as my main motto was to contribute myself to society even I wanna be a doctor just because of that reason. So motto is one but careers are many.so use your TIME AND MONEY IN PRODUCTIVE WAY WITH PROPER PLAN LIKE A GOOD BUSINESS PLAN WHICH CAN BE IMPLEMENTABLE . 

One thing hurt me , if the amount of money you spend for something you can’t get value out of it means optimum utilization of something . Yes ! Now I always think about profit and loss as I learnt from my past as I found out that with spending less money people are achieving so much success but even after spending much money I can’t be that much eligible , that’s hurt me right now that’s why now I equalize everything with money as money speaks a lot. 
I don’t fear to walk alone even most of the time I did many thing alone but failure hurts but it also make me wise too , it make me wise in INVESTMENT , PROFIT AND LOSS.

As a budding entrepreneur point of view, whole world is our own . I don’t care from where you belongs to and what’s your origin , whether you are from SOUTH or NORTH , EAST or WEST , if you help me I’ll help me but it should be GOOD for mankind otherwise , i never ever go beyond my principle even i am not so greedy person who always run after Money , Yes ! I need money as i know it's value in my Future Dream but after all I NEED LOVE , I am doing all these thing to get LOVE from those who can't repay me back anything except their LOVE like (Poor /Orphan kids and poor parents) and those who love me unconditionally ,This also true - I MAY DIE BUT CAN'T DO ANYTHING WHICH CAN HURT MANKIND (Death never ever make me fear, as i know one day everyone have to die) , the way you behave to me is the something you’ll get return back. 
Yes ! this is true I am little bit introvert personality but it may make you laugh but truth is most of the millionaire are introvert so anything is possible in FUTURE .

GUY KAWASAKI


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