What a beautiful country it is. From the Rocky Mountains in the west through the arctic regions in the North to the metropolitan heavily populated cities in the East. This reminded me of my experiences from trekking and hiking in the Himalayas during my student years in India. One of the most important aspects of life I learned in Canada was to have a practical approach to life. For example, if you don't know about something, don't hesitate to ask. Most people are willing to help. Also lots of opportunities are available in all fields of life if one decides to explore. During my early years in India, I was indoctrinated with the idea that hard work and persistence pays off. I found these convictions to be very useful in Canada also. And one should not hesitate to communicate at all levels. It is very interesting, for example, to discuss with people their experiences in life. Also knowledge is a powerful tool. It gives you the confidence to take the initiatives in initiating conversation with people. After my degree in mining in 1970, I worked for an international mining company for 18 years. During this period I was promoted 7 times, starting as a junior engineer and ending up as Director of Mine Planning at the Corporate Head Quarters in Cleveland OH. My next adventure was to be an entrepreneur . I started a Gold Jewelry business involving import and whole sale distribution throughout USA. I am enjoying being an entrepreneur more than as an executive. Mainly because there are many opportunities available for business owners in areas of finance, marketing and communication. For an individual like me, who had never done any business before, I had to learn several aspects of establishing and running a business of my own. During the last 20 years of my business life, I pursued my urge to travel even more. So far I have travelled to over 30 countries spread over 6 continents . Also have travelled extensively to various parts of USA with my wife and 3 children.

1. Learning is a lifelong process and one can learn from anybody at any time if one decides to do so.
2. Use of time through a) better planning b) avoiding some common time wasting activities
3. Risk taking aptitude if one wants to enjoy an adventures life, one has to be a risk taker
4. Getting along with people
5. Personal finances
6. Balanced life in terms of health, family and income
7. How to finance a business
8. Ways to keep your customer satisfied
9. Advantages and disadvantages of doing business in India.
10. Benefits of positive thinking
11. Benefits of investing in real estate
12. Techniques to motivate your co-workers
13. Cost reduction and productivity improvements ideas.
14. How to minimize the impact of Jet lags?
15. How to setup a small business
16. Benefits of using debt in business
17. Decision making techniques

1. Health - At age 64, I am reasonably in good health. Main activity is walking and swimming every day.
   
   
2. Travel - Wonderful memories through worldwide travel - On an averge I have travelled 100,000 miles each year, some years logging upto 400,0000 per year. Highlight of domestic travel includes 1) Cleveland to LA trip every week for 5 years totaling about 250 round trips between these two cities. Each of these trips was completed within a 24 hour period. International travels included using all types of aircrafts from major international airlines including flights on Concord.
   
   
3. Family - My wife Veena and I have three wonderful children. Our older daughter Priyanka is a graduate of Wharton School and Stanford University. The younger daughter Nalini, a graduate of Carnegie - Mellon University, is a Senior Manager at one of the largest Consumer Products Company. Our son Amit is a graduate of University Illinois in Electrical Engineering / Computer and he is working in the Automotive Division of a major international company. Our family has undertaken many trips together both in US and abroad and have wonderful memories from such trips.
   
   
4. Finance - I always believed that one can not achieve a financial independence just from normal salary and meager savings. Therefore always had in mind to build a long term income producing asset like commercial real estate. This type of investment provides the benefit of both a) equity investments with a potential of appreciation and b) fixed income which provides much needed cash flow on an ongoing basis. In addition to making reasonable profits from our business during the last 20 years, me and my wife have enjoyed meeting a number of nice people including customers. Most of them were a valuable source of education and advice for us.
   
   
5. Social Activities - During these 40 years we are proud to have assisted over 50 families and friends with some helpful suggestions to resolve some of their personal and financial problems. Happiness to me means getting satisfaction from the work we enjoy doing every single day. Being an optimist I don't worry about the past because we cannot do anything about what has already happened, nor worry about what lies in future. I believe in advance planning based on all the facts available today and at the same time mentally prepared to face disappointments. A minor problem is not a problem for me at all and I breakdown a major problem into several smaller problems.
   

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