Being 20 in 30s

12 Money Concepts You Should Master Before Turning 30


Turning 30 is a big milestone in your life. You're making your goodbyes to young adulthood and slowly coming into your own. With age comes great responsibilities, and at the top of your list should be taking charge of your money.

Oh, come on, that's no fun, you might think. However, even though personal finance can be a dry topic, it's undeniable that our finances play a huge role in our lives — money is always one of the top stressors, and it causes the biggest discord among couples.
To help you get on track, here's what you ideally should have achieved by age 30. Of course, these goals aren't for everyone and may not be feasible for many, so try to keep them in mind as general guidelines.

1. You should already have an emergency fund. Experts generally recommend six months' worth of living expenses, but some say a year's worth is a better buffer to account for things like medical emergencies or unemployment.
2. You should be anticipating, preparing, and saving up for big expenditures. For example, you should factor in your wedding, a house, children, a pet, and other similar major expenses. By planning for these events, you'll be adjusting your lifestyle to afford your future expenses and avoid going into debt for these items. You may want to budget a realistic amount so you don't have to go into debt. Another thought is to forgo some of these expenses — really question if it's a necessity.
3. You should have mastered the art of automating. Sending a chunk of your cash automatically to your savings every month means you're paying yourself first.
4. You should know how to live within your means but enjoy life at the same time. You should be able to prioritize what's worth spending on and save in other areas so you can enjoy your guilty pleasures. Even if it's daily lattes, you should indulge yourself as long as you're aggressively cutting costs on other items. Remember, what other people skimp on may not be what you would want to give up.
5. You should be maxing out (or, at the very least, meeting your employer's match for) your 401k.
6. You should be investing in a Roth IRA.
7. You should have prepared a will.
8. You should be paying off and prioritizing your high-interest debt.
9. During your 20s, you should be trying to raise your credit score.
10. You should already have some practice with negotiation — with salary, with service providers, and more. 
11. Fidelity recommends having a retirement fund that's equivalent to your annual salary by age 35. At age 30, you should be on track for that.
12. You should already have read a couple of personal finance books. To start with, check out Your Money or Your Life ($12) and Total Money Makeover ($18).

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A New Milestone

I can only write a blog when I'm facing extreme of emotions. Coming back after almost half a year means I'm nearing an important milestone.

It is time that I have to believe that Knights and Saviors do exist. On 21st Jul 2008, I thought my first ever car Kia Cerato Forte was my knight. But its a car, desired by many and that subject is achievable by many too. It can leave you or even make you leave the world.

In fact today, I've seen my knight in person.
*The man who faces the south, the direction towards final phase of any living organism, who brings an ending, which leads to a change, a reincarnation, NEW Birth and beginning of my life.
If ignorance has a human form, let that be me. May I just be that demon, the demon of ignorance who had all along went through illed moments because of that very IGNORANCE, killed by the man facing the south.

Today is the moment I'll stand tall eventually. Living the dream I dream of because of this Knight facing the south. Without you I'm meaningless... Thank You Lord. Thank You Baby...

And am renaming my blog to DaNi NiDa. ( portmanteau of our names)

* Dakshinamurti literally means 'one who is facing south (dakṣiṇa)' in Sanskrit. South is the direction of Death, hence change.[5] In every Siva temple the stone image of Dakshinamurthy is installed, facing south, on the southern circumaA mbulatory path around the sanctum sanctorum. Perhaps, of all Hindu Gods, he is the only one sitting facing south. The great seer Ramana Maharshi, has said in letter 89: one meaning of Dakshina is efficient; another meaning is ‘in the heart on the right side of the body’; Amurthy ’means Formlessness' . "Dakshinamurthy Stotra" in Sanskrit, means the "Shapelessness situated on the right side".

Indian tradition accords a special reverence to the Guru or the teacher. Dakshinamurthy, in the Hindu system of beliefs is regarded as the ultimate Guru - the embodiment of knowledge and the destroyer of ignorance (as represented by the demon being crushed under the feet of the deity). The Jnana Mudra is interpreted in this way:- The thumb denotes the God and the index finger denotes the man. The other three fingers stand for the three congenital impurities of man viz. arrogance, illusion and bad deeds of the past births

nadhiyengu sellum kadalthannaith thaedi (2)ponvandoadum malar thaedien vaazhvil nee vandhadhu vidhiyaanal nee endhan uyiranroa...

Tera sahaara mil gaya hai zindegiHumko kinaara mil gaya hai zindegi...

Focus now. Forget then.

Why speak of what you did for your ex with so much pain, where you can spend that much energy for that new person you are beginning to like.

Those who want to keep sharing their past aren't dating. They're just clearing their names from faults in their past r/ship.

They are secretly wishing that their ex is Hiding behind a bush & listening to their stories who then will appear out of that bush & pin them a medal/kiss for being a 'martyr'.

& also People who recover quickly from past r/ship hiatuses aren't necessarily bad.

They are just fixated in achieving their goals or solving their own problems passionately.

& That's why I couldn't care much of my past & mention it much even if the fault isn't mine.

Cos I've an aim. Aim to be in love & believe in it. Not be in its painful memories.

Maybe I'm one of those who can keep Falling In Love...

3. Dhanush, Aishwariya, Shruthi Hassan.

So the kolaveri song became a Mega Hit. It got the Japanese grooving to it in their nightspots. Even the Hindi speaking region got addicted to a Tamil item, after Dosas. Not to forget countless remixes,notably the milku number by Sonu Nigam's son. Lastly conquering the gold award in YouTube & even appearing in CNN.

Now the big next question is, did the movie catch up with its hype?
At one scene where Dhanush says to his dad, " this is life paa, not to be successful with one hit song". That dialogue would be well meant for Aishwariya Dhanush on her debutant movie.

So what brownie points did Moonu earn?
Songs. If there is one ultimate winner,
it is Anirudh. One can even say he was another cast, who is just invisible.

Being Aishwarya's cousin or Latha Rajnikanth's nephew, Anirudh had good experience in music all the while. His band Zinx has won the competition judged by his idol AR.Rahman. Obviously he was the competition's best instrumentalist.

But the flaws? Wonder why does Dhanush when cast in movies directed by his relatives, plays mostly a psychotic character? In case you had forgotten, it is Kadhal Kondein, Mayakkam Enna and 3. Could it be, they have seen his frenzy character and placing him in such roles would earn them the dough?

First and foremost, this movie isn't a love story. It's not a love failure like what the Kolaveri song or the trailers tease us with.

It's all about internal failure. Failing to communicate and accepting reality. What I can't accept is that these 2 great lovers who been together for 10 years, wasn't enough for Janani to see Ram's health condition?

Secondly, too much wailing from Janani. She faints, over react & getting overtly sensitive. For sure that didn't earn her much admirers.

Lest not forget the supporting cast Senthil. For he played a much better wife role. He bore Dhanush's hot and cold moods, the cold blood beatings & staying by his side for recovery like a Good Partner.

Thirdly I would like to finish this movie review with a message it was trying to deliver. Failing to communicate with your partner fearing for negative impacts is as good as not trusting him/her. Fearing for being negatively treated by your partner should only be a concern for those who has just starting to date. Not for some 10 years odd lovers.

To sidetrack little, in today's society most couples tend to break up when their relationship is on rocks, unlike our parents that fixes. Likewise Ram character opted suicide than to be cured medically.

Lastly, in any suicide case, the loved ones suffer eternally & not the suicidee. If you need a remedy to overcome 3 ending, watch Mayakkam Enna. Not all disorder needs death as medication.

Be grateful for your misery.

I once read a quote that God pushes us to deep waters not to drown but to learn how to swim & keep ashore.


I'm sure when we look up to great achievers in life, we often get amazed by their rags stories.


Here are some inspirational pasts and present.


Learning to accept the fact that problems we face now a will polish us to be a diamond tomorrow.

You are the highly sought after
Actress in Indian Cinema

But You were once labeled Jinx
by some Movie Industries.

You are modern day World Class Icon for Peace.

But You were once ostrasized, beaten, shamed and outraged

But You were once left all alone
when you needed help the most 

You are knowns as World Class Builder
of 3rd World to 1st World Nation Builder

But You were once sacked by the very guy
whom you hired to build your dream.

Everyone lives, eat and dream by your technology product 

How about you? 

Who were you once?

And who are you now?

Or who will you become tomorrow?

Why do I hate the Tula Raasi- the natives of Chitrai, Swathi & Visagam

They make my life miserable.

These Libran moons. They swoon for others attention. They will act tough, mean & baddies but they flick like a TNT laden car in explosive situations.

Hardly practical, slow movers, egoistic, easy to please & easy to disturb.

One demanded my attention & when that person got it, that person fly away.

The other supposedly not to contact me. But still keeping in touch like nothing has happened.

They leave with hatred & come back like shamelessly.

Highly moody mom who can't handle her stress. Often sharing her problem in futile cos when she shares she only speak & refuse to listen to their solutions.

Dad so egoistic & often bothered less. His own world; freedom, appetite, friends, mattered than anything else. Sometimes he will never get what he's
Missing.

Some few arse holes spoke like their hard macho flirts. But when the gal challenged him with indifference & nonchalance they flew away citing incompatibility like some chaste sons.

Then this nincompoop thinks he's handsome & rich, end up losing more
Money in some court cases. (refer to Nothing should be guaranteed)

Not every1 is bad: they work hard, they last long & make popular centre of attention ESP in family matters. But who cares when this "star of relations" can't handle their lovely other halves.