Posted in Life Gyan

Managing Your Personal Information

If you have to go to a Bank or Government office to update your personal details or provide some KYC documents, what do you do – just pick up the required set of documents (original and their copies) + passport size photos + pen etc and drive to the Bank or do you have to rummage every cupboard searching for the passport sized photos or one of the key document. 

Do you have copies of your important documents readily available or do you stop on the way to get a copy. Do you have to return with the work unfinished as you did not carry all the required documents or make multiple trips to complete the requirements.

Do these scenarios look familiar? The point I am trying to make is that a large chunk of people either do not consider this important or they do not know where to start and how to organise their personal information.

Having key information handy at all times can save you a lot of time and hassle where you are pressed for time. Also it can go a long way in ensuring that you are prepared for any emergency.

In this post we will look at easy ways to organise your personal and financial information. It is not as difficult as it is often made to sound. All it requires is your will and intent to do it once you understand the importance of the same.

Have Scanned Copies of All Key Documents

With the digital revolution and a smart phone in every hand it is very easy to quickly scan and store digital copies of all your important documents. Many apps are available in the App Store which do a neat job of creating a PDF of the document in seconds. And if you use Google Drive, it has an inbuilt feature to scan documents. 

Once you have scanned all your important documents (including the ones for your spouse, kids and parents), rename them so that searching for the right document is easier later. Now arrange them neatly in separate folders for PAN Cards, Aadhar Cards, Voter ID, Passport, Driving Licence, Property/Rental agreements or Sale Deeds, Medical Reports, Salary Slips, Form 16, Car and Bike Registration documents and so on. 

You can save these to a eLocker or Digital Locker of your choice. You can also store them on to a cloud storage solution like Google Drive, One Drive or Dropbox.

Handling Physical Documents

Similar to the soft copies, create separate files and folders for various types of documents. Create one file for all the Bills, another one for all Insurance related documents, notices and premium receipts. Have another file for you property related documents like Sale/Rent agreement, property tax receipts etc. Similarly create separate folders to file documents for Bank accounts, investments, car and bike, AMC agreements etc. 

Luckily in the last few years all bank statements and statements from mutual funds etc have all converted to digital so it has reduced much of the paper that you need to handle these days. Nevertheless there still will be a few things that each one of us will surely have which is still in paper format and storing them in identifiable folders will allow us to find them quickly without having to go thru the entire stack of paper in the cupboard. 

Also the advantage of having separate folders is that when you are about to flick a document into the cupboard, it takes very less effort to place it into the right folder rather than throwing it loosely into the cupboard or drawer. This habit saves you a lot of time when you might have to invest and entire afternoon sorting and organising the documents.

Emergency Bag

Create a Emergency Bag and let every family member be aware of it. Anyone from the family should be able to open it and it should have all your important information in one place. You can have the contact numbers of important people like CA, Doctor, Tax Consultant, Later, Toll free number of Health Insurance company, Car insurance, Banks where you have accounts and a few close friends and relatives whom you could call anytime in case of an emergency.

Also place a copy of all the key documents like Health Insurance Cards, Insurance policies, PAN and Aadhar card copies etc into the bag for easy access during an emergency. Review the contents of the bag every six months and refresh as required.

Tag Along Bag

Create a tag along bag which you should carry when heading out to any bank or government office. Place a few copies of passport size photos, copies of PAN Card, Aadhar Card, Pen, Glue stick, Stapler etc so that you do not have to hunt for these things and can get your work done efficiently.

Please start getting organised if you are not doing it already. This small steps go a long way and will ensure that you and your family are prepared for any emergencies.

Get organised – Reduce Stress ! 

Posted in Life Gyan

The Indian Soldier

The average age of the Army Man is 23 years. 
He is a short haired, tight-muscled kid who, under normal circumstances is considered by society as half man, half boy.
Not yet dry behind the ears, not old enough to buy a beer in the capital of his country, but old enough to die for his country.
He’s a recent school or college graduate; he was probably an average student from one of the Kendriya Vidyalayas, pursued some form of sport activities, drives a rickety bicycle, and had a girlfriend that either broke up with him when he left for IMA, or swears to be waiting when he returns from half a world away.

He listens to rock and roll or hip -hop or bhangra or gazals and a 155mm howitzer.
He is 5 or 7 kilos lighter now than when he was at home because he is working or fighting the insurgents or standing guard on the icy Himalayas from before dawn to well after dusk or he is at Mumbai engaging the terrorists.
He has trouble spelling, thus letter writing is a pain for him, but he can field strip a rifle in 30 seconds and reassemble it in less time in the dark.
He can recite to you the nomenclature of a machine gun or grenade launcher and use either one effectively if he must.
He digs foxholes and latrines and can apply first aid like a professional. He can march until he is told to stop, or stop until he is told to march.
He obeys orders instantly and without hesitation, but he is not without spirit or individual dignity. His pride and self-respect, he does not lack.

He is self-sufficient.
He has two sets of combat dress: he washes one and wears the other.
He keeps his water bottle full and his feet dry.
He sometimes forgets to brush his teeth, but never to clean his rifle.
He can cook his own meals, mend his own clothes, and fix his own wounds.
If you’re thirsty, he’ll share his water with you; if you are hungry, his food. He’ll even split his ammunition with you in the midst of battle when you run low.
He has learned to use his hands like weapons and weapons like they were his hands.
He can save your life – or take it, because he’s been trained for both.
He will often do twice the work of a civilian, draw half the pay, and still find ironic humour in it all.
He has seen more suffering and death than he should have in his short lifetime.
He has wept in public and in private, for friends who have fallen in combat and is unashamed to do so.
He feels every note of the Jana Gana Mana vibrate through his body while at rigid attention, while tempering the burning desire to ‘square-away’ those around him who haven’t bothered to stand, remove their hands from their pockets, or even stop talking.
In an odd twist, day in and day out, far from home, he defends their right to be disrespectful. Just as did his Father, Grandfather, and Great-grandfather, he is paying the price for our freedom.

A tricolour, somewhere in his uniform,
A tricolour, he holds high,
A tricolour he unfurls with pride after every mission.
Sometimes he comes home wrapped in one.
Beardless or not, he is not a boy.
He is your nation’s Fighting Man that has kept this country free and defended your right to Freedom.
He has experienced deprivation and adversity, and has seen his buddies falling to bullets and maimed and blown.
Leave aside One Rank One Pension he smiles at the irony of the IAS babu and politician reducing his status year after year and the unkindest cut of all, even reducing his salary and asking why he should get 14 eggs a week free!
And when he silently whispers in protest, the same politician and babu aghast, suggest he’s mutinying!

Wake up citizens of India! Let’s begin discriminating between the saviours of India and destroyers