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From the Rat Race to Financial Freedom... A common man's journey
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Happiness Unlimited...How to be happy..always !!
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Dream On...Every setback is a little nudge from HIM to Dream On
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The Autobiography Of A Stock
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A Father's Diary
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Manoj Arora    About Me
Author Mission    My Mission
Credentials & Awards   Awards & Credentials

Corporate & Family Gifts   Corporate & Family Gifts [NEW]

Amazon Author Page   Visit Author's Page at Amazon
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Friday, December 30, 2016

25 Spiritual Lessons from the book 'Swami Vivekananda - The Prophet of Modern India'

"The Prophet of Modern India" is a biography of Swami Vivekananda starting from his childhood till his last breath. Swamiji's courage, truthfulness, mission, spirituality and patriotism - all come to the fore in this beautifully written book.

I, hereby, list down the 25 Life Lessons that i learnt from this awesome book. These learnings are worded and appended in a way that makes it easier for most of us to understand and absorb.

If you are interested in reading about such learnings from other all time best selling books, you may click here.

Friday, December 23, 2016

Two different lives

Life can be crafted into a beautiful story. What you need to do is take those small but important decisions, make those simple but critical choices, prefer those unpopular (maybe) but healthy selections. I made one such choice a few years back... Rewards are overwhelming today...Read for yourself...

Friday, December 16, 2016

Should you buy Multiple Life Insurance Policies?

Are you hesitant to invest in a number of covers because you feel you are not equipped to handle multiple policies or you are not sure whether there would be any issues with your claim? Read on to find out if and when you can avail a death benefit from more than one policy.

Friday, December 09, 2016

Karimul Haque : Dreamer on 2 wheels : A Dream On Story

A motor bike serving as an ambulance is quite unusual. But that is what dreamers do...unusual things - things that sound unusual to the normal world. But to a dreamer...this is just another way to live....

Saturday, December 03, 2016

UPI - the future of transactions

Welcome to the future of transactions. Welcome to Unified Payment Interface (UPI). Know more about it, and get into it as soon as you can...

Thursday, November 24, 2016

9 Life Lessons from the book '11 Minutes' by Paulo Coelho

"11 Minutes by" Paulo Coelho is an amazing story about a young girl from a Brazil town with big dreams who finally settles down in Switzerland as a prostitute. Book does have some beautiful moments that describe how we look at love, sex, happiness, and possession.

I, hereby, list down the 9 Life Lessons that i learnt from this awesome book. These learnings are worded and appended in a way that makes it easier for most of us to understand and absorb.

If you are interested in reading about such learnings from other all time best selling books, you may click here.

Wednesday, November 16, 2016

SWP Strategy of Equity Funds Vs Dividend Strategy of MIP Funds

Those who are financially free, and those who are retired, and also, even those who are actively working but seeking ways to generate a regular passive source of income - this post is for them. There are many ways to generate this regular source of income. SWP Strategy of Equity Funds & Dividend Strategy of MIP Funds are just two of them...Let us see their respective merits and demerits.....Read on...

Friday, November 04, 2016

Provide them a stage and watch miracles happen

One of the biggest frustrations for parents is that children do not learn what they are being repeatdely told. What if I told you that they have already learnt it. Yes, you don't see it, but they have learnt it...Read on...

Monday, October 24, 2016

Financial Freedom - And its misinterpreted facets !

Retirement is not financial freedom. Neither is moving from being an employee to being an entrepreneur. If money is even one of the motives in your daily pursuit and actions, then you are still far away from understanding what Financial Freedom actually is.

Thursday, October 13, 2016

15 Great Lessons from 'Body - The Greatest Gadget' by Sadhguru

"Body - The greatest gadget" by Sadhguru is a simple book with profound messages and insights, that are not common.

Jaggi Vasudev, commonly known as Sadhguru by isha yoga volunteers, is a yogi, mystic and author. He founded the Isha Foundation, a non-profit organisation which offers yoga programs around the world.

I, hereby, list down my Top 15 learnings from this awesome book. These learnings are worded and appended in a way that makes it easier for most of us to understand and absorb.

If you are interested in reading about such learnings from other all time best selling books, you may click here.

Wednesday, October 05, 2016

Auto Balance your Portfolio using TRIP feature of Mutual Funds

Portfolio balancing at regular intervals, is vital, to optimize your returns. However, so many of us are short of time to monitor and re-balance our portfolio. Here comes a TRIP feature in Mutual Funds - a feature that allows you to automatically balance your portfolio between debt and equity...Read on...

Thursday, September 22, 2016

Stinking Thinking of our Society - Time to change

Have you heard of names like PV Sindhu, Sakshi Malik and Dipa Karmakar? And also of Mariyappan Thangavelu, Varun Singh Bhati and Jhajharia?
Oh ! you can relate to the first three, but not the next three. Not your mistake. This is the 'stinking thinking' of our society, and we can change it together. Read on...

Thursday, September 08, 2016

Free online Tracking of your Income and Expenses

After having interacted with thousands of readers over the last 3 years, we realize that more than 50% of us do not know how to calculate our average monthly income and a whopping 90% of us grossly underestimate our monthly expenses. So here you go...
With the recent launch of the 2nd edition of the bestselling book (From the Rat Race to Financial Freedom), we also launched this online tracking mechanism to track - both your Income and Expenses, so that you are in charge of your money
Needless to mention, it is all FREE of cost...Read on to find out how to get started...

Wednesday, August 31, 2016

Whats there in the all new 2nd edition of "From the Rat Race to Financial Freedom"

After more than 3 years of launching our 1st edition, the enormous wisdom gained over these 3 years of interaction with freedom seekers from all aspects of life, culminated in the 2nd edition of your best-selling book 'From the Rat Race to Financial Freedom'... Read on to find what wisdom is woven in this 2nd edition which is already hitting the top selling charts...

Tuesday, August 23, 2016

7 Self Tested Strategies to Overcome Jealousy

Even if you think you can hide your jealousy towards someone, still you ought to learn to deal with it. Because it is never about the other person, it is always about your well being. We go though some of the strategies that have helped me overcome this vice to a significant extent...Read on..

Thursday, August 11, 2016

Non-Convertible Debentures Vs Corporate FDs

The Bank FD interest rates have fallen off late. With the government pegging the inflation target to 4%, they are likely to fall further. At this point, it does make sense to look at other options which are of similar nature as FDs ie Corporate FDs and NCDs (Non Convertible Debentures)...Read on...

Friday, August 05, 2016

Introducing our Tree Plantation NGO "Kalpavriksha"

As they say, Money is not an end by itself but a means to achieve the end. 
And that's exactly what it is proving to be. My Financial Freedom was not an end in itself, but became a means for me to launch my long cherished dream - an organization with a commitment to plant a million trees, and hence we are launching 'Kalpavriksha'....
Read on..

Wednesday, July 27, 2016

14 Winning Smashes from the book 'Playing to Win' by Saina Nehwal

"Playing to Win" by Saina Nehwal is a journey from her childhood to schooling to playing and winning the topmost international tournaments across the globe.

I, hereby, list down my Top 14 learnings from this awesome book. These learnings are worded and appended in a way that makes it easier for most of us to understand and absorb.

Friday, July 15, 2016

Naresh, the lucky guy : A Dream On Story

Naga Naresh Karutura has just passed out of IIT Madras in Computer Science and has joined Google in Bangalore. But why am I telling you this? What is so special about this 21 year old? Nothing, except that his parents are illiterate, he has no legs and moves around in his powered wheel chair...Read on..

Thursday, July 07, 2016

VIPs perform better than SIPs for Mutual Funds

The advantages of Systematic Investment plan (SIP) are there for all to see. In addition to streamlining your regular investments, SIPs also help to reduce the average cost of holding. But Value Averaging Investment Plans (VIPs) go one step further, and in a volatile market, has the potential to give you 2-3% higher returns than SIPs. 
And don't ask me the impact of this additional 2-3%, compounded over time can be. Humongous, to say the least...Read on..

Thursday, June 30, 2016

13 Daily Habits that are a must in your To Do List

A person is made, not by a few energized efforts, but by one's everyday routine. It is a simple, powerful and often ignored saga of every life. It is always going to be your daily habits that are going to make or break your destiny. These habits are going to decide the contentment level every day and hence sum up a great or mediocre life, as the case may be. After decades of experience, I am sharing 13 of my daily habits that have helped shape my life, and they can shape yours too....Read on..

Thursday, June 23, 2016

What is Peer to Peer Lending (PTPL)

Everything is getting online. Barriers are getting broken every day. From selling used stuff at OLX to booking a cab at Ola to buying groceries at Grofers. I have tried them all. But lending money online? Yes, PTPL is what it is called. Peer to Peer Lending....Read on...

Tuesday, June 14, 2016

Make Giving your Lifestyle

Narayanamurthy, the father of Indian IT Sector (Time Magazine) and one of the 12 greatest entrepreneurs of our time - at any instance, had only 8 clothes to wear. A major part of his wealth went in giving it away to the needy. Stupid guy. He could have invested his money in startups, equities, real estate or anywhere else where it could have grown by leaps and bounds without even his active involvement. He may be a good guy but was not a wise investor for sure. 
Or was he? Oh..Hold on...Give it a second thought. He is a very wise investor indeed. Because he realizes the law of nature - the law of giving.

Thursday, June 09, 2016

12 Life Lessons from "Tuesdays with Morrie" by Mitch Albom

"Tuesdays with Morrie" by Mitch Albom is an account of the events Albom experienced between graduation and the reunion with his professor. The name Morrie comes from its meaning in Hebrew, which means "my teacher.

Newspaper sports columnist Mitch Albom recounts the time spent with his 78-year-old sociology professor, Morrie Schwartz, at Brandeis University, who was dying.

I, hereby, list down my Top 12 learnings from this epic book. These learnings are worded and appended in a way that makes it easier for most of us to understand and absorb.

Tuesday, May 31, 2016

10 Facts about your PPF Account which you may not be aware

[Last Update : 7-Sep-2018]
If you are earning and saving money, then it is almost guaranteed that you had the wisdom to open a Public Provident Fund (PPF) account. If not, please get one done now - for there is no bigger secret to wealth generation than disciplined saving compounded over time, and EPF and PPF do just that for you. 
Those who have been operating a PPF account for a while ought to know some of these lesser known facts about their account....Read on...

Wednesday, May 25, 2016

Top 25 Life Elevating Quotes from our Books

We have been getting enormous response from our Good-Reads community for our book quotations. And many of our readers requested us to publish some of the popular quotes from our books, so that those who are not regular subscribers at Good Reads can get to read them. 

So here are the Top 25 of our quotes on Dreams, Freedom and Happiness from our books combined..Read on.

Friday, May 20, 2016

2 simple and powerful money saving tips

Do not go by the simplicity of what I am going to tell you. I will give you just two money saving tips. Most financial planners and advisers will miss out these two tips, which can potentially have the biggest impact on your life...Read on..

Sunday, May 15, 2016

Nothing can disturb us

I am dropping off my fairies to their school, and it is as much a time to cherish their company as it is to impart the right values in them. We just became stronger with today's discussions and this discussion will surely help them lead better and happier lives...Read on..

Tuesday, May 03, 2016

Its time to Fly !!

This is the unabridged version of my parting letter to my company colleagues before I achieved Financial Freedom. I did circulate a smaller abridged version within the company colleagues and friends on the last day...

Saturday, April 30, 2016

What made us rise to Amazon Top 100 (All Genres)

Today, we are 1 month in Amazon Top 100 (all genres).
It has been just 15 days short of 3 years. In May 2013, we launched the book "From the Rat Race to Financial Freedom". And when a first time author with no background on writing, no marketing budget, no experience in this industry, tries to push through a jungle of books and authors, he is bound to feel helpless, especially in a country where 200+ new titles are launched every single day !
In such a case, what can take a common man's book to the Top 100 List....??  Read on...

Wednesday, April 27, 2016

What is Home Improvement Loan

Repairing or renovating your house is no easy task. There is the constant struggle to ensure that you don't overshoot the budget. You can always avail of a home improvement loan to ease the burden, but you need to understand the bearings of such loans before applying for one.

Thursday, April 14, 2016

15 Thought Provoking Messages from the Book "The Art of Thinking Clearly" by Rolf Dobelli

"The Art of Thinking Clearly" by Rolf Dobelli describes, in short chapters, 99 of the most common thinking errors - ranging from cognitive biases to elements like envy and social distortions.

The book was originally written as weekly columns in leading newspapers in Germany, the Netherlands and Switzerland, and later in two German books. The book has been in the top ten of Germany's Bestseller list for 80 weeks in a row and has been translated in many languages.

I, hereby, list down my Top 15 learnings from this epic book. These learnings are worded and appended in a way that makes it easier for most of us to understand and absorb.

Tuesday, April 05, 2016

Breaking Rules, Preserving Principles

In our daily tussle of right and wrong, we often tend to judge people in the way our society has defined the rules for us. And why not? That is exactly what our respected courts of law does. They go by what is written as per the law (the rules), and then try to arrive at the facts and arrive at an informed judgment of right or wrong. But wish, life was so black and white, so simple and so unambiguous. There is one perspective that can help you always take the righteous path - which may or may not abide by all the rules...Read on...

Friday, March 18, 2016

PPF Account Extension after 15 years

You can continue to deposit and earn interest from your account even after maturity i.e. you can extend your PPF account, even after 15 years. Few people know this, but the PPF account has no limit on how many times it can be extended after the initial 15 year block matures. Lets understand more..

Wednesday, March 09, 2016

What is Annuity

An annuity is insurance in reverse. 
You can look at it this way - An insurance is protection against dieing too early while an annuity is protection against living too long. Let us learn more about Annuity in India..

Thursday, March 03, 2016

10 Life Elevating Messages from the Book "Hero" by Rhonda Byrne

"Hero" by Rhonda Byrne is a book that follows the journey of twelve of the most successful people on the planet today. It encourages you to use your inner powers to overcome obstacles and to make impossible dreams come true. You'll be inspired to find your own calling and start taking the steps toward making the life of your dreams an everyday reality.

I, hereby, list down my Top 10 learnings from this epic book. These learnings are worded and appended in a way that makes it easier for most of us to understand and absorb.

Wednesday, February 24, 2016

Liquidity is a vital aspect of Your Portfolio

Liquidity is the ability to generate cash at a short notice. It is NOT about how wealthy we are, but how much cash can we pull out as and when needed. A well planned financial portfolio will account for liquidity as one of the critical parameters before deciding the investment target...Read on..

Thursday, February 18, 2016

Dr S J Rajalakshmi.. A Dream On Story

What do you do when one fine day in this beautiful journey of life, you suddenly meet an unfortunate accident and both your legs are paralyzed for life? Crib on your destiny? File a case ? Blame God ? Seek spiritual elevation ? Not sure what I would have done...but Ms Rajalakshmi thanked God for this tragedy and made this handicap as a reason to succeed...Dream On...

Tuesday, February 16, 2016

Meet another Freedom Seeker : Ratnakar Bade from Hanoi, Vietnam

Last time, we met a young and dynamic executive from Guwahati, India : Mr. Pallav Sarmah who is already on his journey towards financial freedom now. You can read more about his journey and experience till now by clicking here. Today, you have an opportunity to meet a young and dynamic Management Executive from Hanoi, Vietnam - Mr. Ratnakar Bade

Wednesday, February 10, 2016

12 Success Principles from the book "It is not over until you Win" by Les Brown

"It is not over until you Win" by Les Brown is a book that lists down some of the success principles which may not really be new in success literature, but what makes this book unique is the uniqueness of his story and presentation of success principles in a rather refreshing manner.

I, hereby, list down 12 of my learnings from this epic book. These learnings are worded and appended in a way that makes it easier for most of us to understand and absorb.

Sunday, February 07, 2016

5 Simple Strategies to make your SIPs work harder

Systematic Investment Plan (SIP) sounds as boring as it can get. However, at the same time, there is hardly anything as powerful as this investment model. Its power lies in its simplicity.
If you think that just starting a SIP and letting it continue is what makes it boring, then hold on. These 5 simple strategies can not only make SIP investments interesting, but can substantially impact your final corpus positively.

Tuesday, February 02, 2016

What is your Karmic Bank Account Balance?

Creating a beautiful destiny is, and always was, in your hands. You are even creating it right now for you. Your Karmic Account Balance directly defines your destiny. Just if we understand more about this aspect, we can lead a happier and fulfilling life...

Thursday, January 28, 2016

9 Checkpoints Before You Buy A House

One of the biggest financial and also the most emotional decision you might ever take in your lifetime would be buying a house for yourself. Some may also want to buy one as an investment strategy. In either cases, these 9 simple checks can go a long way in taking a well informed decision. Check them out..

Thursday, January 21, 2016

36 Life Lessons from 'The Promise of a Pencil' by Adam Braun

"The Promise of a Pencil" by Adam Braun is a book that depicts the journey of an ordinary man bringing extraordinary change in the society just by the power of his dream and untiring efforts.
The riveting story of how a young man - Adam Braun - turned $25 into more than 200 schools around the world and the guiding steps anyone can take to lead a successful and significant life.

I, hereby, list down the Top 36 of my learnings from this epic book. These learnings are worded and appended in a way that makes it easier for most of us to understand and absorb.

Tuesday, January 12, 2016

Are cash backs and reward points taxable ?

The cashback that came to your Credit Card Account or your PayTM account last month may worry you - for it could be considered your income. Cashbacks are not discounts and hence may be taxed in specific cases...

Thursday, January 07, 2016

16 Inspiring Traits of Winners from "No Limits" by Michael Phelps

"No Limits" by Michael Phelps is a book for Dreamers, for those who dare to think big and believe in what they think.
Michael Phelps is currently a record-holding swimmer who won 8 gold medals in a single Olympics. He has broken many world records, won over 20 world championship medals and around 16 Olympic medals.

I, hereby, list down the Top 16 of my learnings from this epic book. These learnings are worded and appended in a way that makes it easier for most of us to understand and absorb.