Priya Krishnamoorthy

With qualifications like ICWA and MBA in Finance, Priya Krishnamoorthy took corporate life head-on as she spent 8 years at one of the topmost Information Technology multinational companies in India. With her family, trekking groups, by backpacking with friends and with a corporate grassroots awareness program, Priya has covered a lot of India since she was 7 years old. While at her job, she's been excellent at negotiating for leaves to make her travels happen. Despite being successful at her job, Priya yearned to be an entrepreneur and find more time for long term travel. After supporting her husband to pursue his shot at freelancing, Priya too took the plunge and quit her job once they were financially abundant and when the two decided to travel around India for a year on their own plan, without help from any travel companies. Nowadays, Priya is enjoying life with her husband as they pursue ideas on self-planned travels, entrepreneurship, passive income and how to get better at life. She writes about her learnings in this blog. Besides she also looks for regular people who found inspiring success and writes their story in the Hero's Journey section.

Here are Priya Krishnamoorthy's blog posts.

How to Focus Better? : Tools and Techniques

Focus is a skill and needs practice too. While it is not possible for to focus throughout our work duration, we can all start small, build on the progress and gain the skill of deep focus.

Do the heavy lifting before you start:

This is something our mothers have always known. The vegetables are cut, the mix has already been marinated, the dough has been rested, masala is ground and handy. Everything is laid out in front of them , ready to use. They exactly know the cooking time required and do supplementary activities.

Continue reading How to Focus Better? : Tools and Techniques

Four steps to Focus better and Win your day

For a maker, the ability to Focus is one of the most important assets even over their technical skills. Cal Newport in his book ‘Deep Work‘ predicts that Focus will be a competitive advantage for the makers. In this post let us examine some Do’s and Don’ts to achieve better focus and thereby better success.

Sandra Bond Chapman, founder and chief director of the Center for Brain Health at the University of Texas, suggests things that we can do in our every day life to focus better.

Stop Multitasking

When we multi task, what we are actually doing is switching tasks. As in a production run, even in our head, there is a cost to switching from one task to another. There are certain tasks that are conducive to multitasking, and some that are not.

Continue reading Four steps to Focus better and Win your day

Book Summary: Automatic Wealth – Michael Masterson

Buy the book here: Automatic Wealth: The six steps to Financial Independence

A book of the title ‘Automatic Wealth‘ is sure to get interest from many, however the this is no get rich quick with no work book. Some specific advice in the book, revolves around USA, however the basic premises of the book is applicable across countries and markets.

The book breaks down the process of wealth building into six steps:

Six Steps to Automatic Wealth:

Continue reading Book Summary: Automatic Wealth – Michael Masterson

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Everything you need to know about life insurance (incl if you need it at all )

Life Insurance in India

India has one of the lowest penetration of life insurance of under 3.5 %. But many of us have a number of policies for which we dutifully, pay premiums every year but don’t know for sure if we it is useful or not. Even as a finance professional, I have made a number of those rookie mistakes, so I can totally understand how gullible one can be to those pitches.

So let us examine, some basic questions to help us guide through these decisions.

What is insurance?

Insurance contract ensures the policy holder is compensated for his loss when a certain event happens. So extending this definition, we can say a life insurance is a monetary compensation for loss of earning potential due to death or disability.

This simple definition provides us all the necessary understanding required to evaluate a policy. So let me try and break this done into a checklist.

Continue reading Everything you need to know about life insurance (incl if you need it at all )

How to win an argument (even with your wife)?

A conflict may strengthen or weaken a relationship all based on our conversation style. When handled well a conflict may help us understand the other person better and create deeper bonds. When handled poorly, it may result in deterioration to ultimate death of the relationship. While examples here primarily relate to marital conflicts as the psychologist who researched it specialized on the same , the learning may be extended across a team, parent-child, siblings, boss – subordinate etc. Whoever starts the conflict, you have the power to redirect it for the better, do not give it up.

Four Horsemen

Dr. Gottman, a renowned Psychologist categorizes the argumentative communication into four styles, nick named ‘Four Horsemen‘, a biblical reference to end of the world : Criticism, Contempt, defensiveness and Stonewalling.

Continue reading How to win an argument (even with your wife)?

How beauty adds life to a home (and it doesn’t have to cost a lot)

Essential Beauty

We have been visiting several Architectural wonders of ancient India in the last few weeks. Temples made of soft rock with round pillars, intricate carvings in the ceilings and sculptures in every facade, churches where every wall, ceiling and glass said a story, tombs, minarets, beautiful wooden roofs without a single nail, palaces with wall murals in natural dye, furniture made with wooden carvings, stone railings with elephant and bull heads etc.

The buildings were built by different kings, often different kingdoms. Some where places of worship of different faith and some where houses. The theme of decoration changed, the materials used changed, the message conveyed changed, but there was one thing that did not change between these different types of buildings.

Continue reading How beauty adds life to a home (and it doesn’t have to cost a lot)

The Other Side…

The Situation

I was standing with my friend Kalpana outside the office building. She had asked me to wait today so that I can meet her fiance. She was quite excited to meet him after a few days and was also equally excited to introduce him to me.

We had been waiting for 30 mins and I was running late. I was feeling bad for her. She was unable to reach him and we were unsure if we had to wait further or leave.

Continue reading The Other Side…

Four Steps to Setting and Achieving Your Financial Goals

Financial Goals

This is Part of our Personal Finance Education Series. You can check Part I, Part II, Part III, Part IV here.

From our expenses Account, we know how much money we spend/need every month. We also know where we stand today in terms of wealth, from calculating our Net worth. The next step is to know where we need to go

What are your short term and long term Financial Goals?

Money is only a means to get somewhere. Instead of simply saving money for the sake of it, we need to clearly define goals against which want to save money for.

Continue reading Four Steps to Setting and Achieving Your Financial Goals

If I fail..

A friendly conversation,

B: ‘Exam is in a week, why don’t you put more efforts into study. You know this exam is difficult is to crack’
A: ‘Well, that’s exactly why. It’s difficult to crack and I probably won’t. If I put in as much efforts as you do, I’d feel terrible about having failed. Now that I’m cool about it, I wouldn’t feel as bad when I fail’
B: hmmm…

Continue reading If I fail..

What is your Networth?

Forbes list of Billionaires and their net worth never fails to gather interest of one and all. We often read with great interest, news that ‘Mukesh Ambani ‘s net worth is 36 B USD, Sachin Bansal is over $1 B USD etc. Let’s explore what this means and why it is important.

What does a Net worth Mean?

Net worth is the net of what you own over what you owe, i.e Assets over the liabilities. For a company this information is captured in the Balance Sheet and is updated at the end of an year.

Why is Net worth Important?

While your personal Income and Expenses statement that we earlier saw captures your current earning, spending and savings on a monthly basis, Net worth is the end result or your progress card of how well you have done so far with your Income and Expenses.

Your Personal Balance sheet/Net worth is an indicator of your resilience to impact in your earning ability. This is why bank’s ask for surety when they extend a loan.