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Random Phrases generated today and my day predictions :)

Good I learnt in childhood to play Boxing ( Even have a Stitch mark as memory below my lips – given by a worthy opponent) but LIfe sometimes teaches us great lessons.

Roll With the Punches Meaning: To tolerate or endure through the unexpected mishappenings you may encounter from time to time.  Some were of course, my play and some of course happened or were stage managed by others. It happens. 

  1. Barking Up The Wrong Tree Meaning: To make a wrong assumption about something.  I don’t. I perceive, Do loud thinking and after thinking make Judgement calls never assumptions, presumptions of guess work. 
  2. Dropping Like Flies Meaning: To fall down ill or to die in large numbers.  Sad it happened in near family yesterday. 
  3. Down For The Count Meaning: Someone or something that looks to be defeated, or nearly so. Don’t know how this will happen or what hidden message is here. 
  4. Throw In the Towel Meaning: Giving up; to surrender.  I surrender to love or to God. As they say in Urdu couplet Kaho na Khuda ( God) se langar utha de  or Kaho Nakhuda Se (Human being) Langar utha de – Main bhi toofan ki zid dekhna chahata hoon !  
  5. Know the Ropes Meaning: Having a familiarity or understanding of how something works.  Process is so critical to know. At times this takes my longest time researching before mentoring or during. 
  6. Cut To The Chase Meaning: To get to the point, leaving out all of the unnecessary details.  It is a habit. It is called Occam’s Razor. 
  7. Needle In a Haystack Meaning: To keep going, pressing forward; never stopping.  I just registered for 3 new Udemy courses. Already done 14. Learning never ends. 
  8. Wild Goose Chase Meaning: Futilely pursuing something that will never be attainable. So finally, I gave up the chase. No more. 
  9. Not the Sharpest Tool in the Shed Meaning: Someone who isn’t witty or sharp, but rather, they are ignorant, unintelligent, or senseless. It is best to Ignore them. Ignoring is to kill. 
  10. Happy as a Clam Meaning: The state of being happy; feeling delighted. I am! Feels great to study new courses which bring new skills, knowledge and provide me new tools.

A friend sent a presentation of a new biz today. Wonderful implementation plan, business plan and hyperscalable model I like.

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Growth Hacking Definition: the Definitive one | Growth Hackers

via Growth Hacking Definition: the Definitive one | Growth Hackers

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Random acts of kindness

  1. Remember that friend you haven’t seen for ages? Give them a call
  2. Make a hot beverage for a friend/family
  3. It can get lonely when you are old, pay your grandparents a visit
  4. Fight climate change – go vegetarian for today!
  5. Say good morning/afternoon/evening to a stranger
  6. Reconnect with your grandparents or an elderly person you know – give them a call!
  7. Buy someone a coffee
  8. Apologise to someone you may have hurt
  9. Help someone improve, give them constructive feedback
  10. Bake for your neighbour
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Wednesday Mentor – Jay Parkhe- Creativity with Random Idioms Generated

Some very interesting Generated Idioms for the day:

  1. Every Fight Is An Awful Sight.
  2. Glue Doesn’t Stick To Everything.
  3. To Be In Need Is Bitter-sweet
  4. Chasing Birds.
  5. Once The Sun Turns Green.

Couple of incidents in the week and the day made me laugh out loud.

On a serious note, Every Mentor and mentee face these situations. The Startpreneurs preparing for bigger competitions ahead need to take inspiration from such random thoughts and using lateral thinking – attribute listing  as problem solving triggers to new and innovative ideas

 

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Random Phrases today. Creativity. Progress.

I did two Udemy courses today. One on Impromptu speaking – most wonderful experience. Another on Humourous speeches. Not great.

  1. Shot In the Dark Meaning: An attempt that has little chance for success. Waiting for the proverbial Godot. A friend offered something big, then began playing unavailable, then asked concept note. Sent it in all earnest. Let’s see. 
  2. Quick and Dirty Meaning: Things that are fixed with great speed, but as a result, it’s probably not going to work very well. Hmmmm….. I have that fear about this proposal to be something I am really not. I wish to give it a try, just because opportunity comes my way. Not my type of thinking really! 
  3. Flea Market Meaning: A type of bazaar where inexpensive goods are sold or bartered.  Wonder what that means.  An article of over 3500 words is liked and then I am told to cut it short to 750 word. No. Not gonna do it! WTH are there Editors for? Why can’t they set the word limit while giving the offer to write.  And above all, it is probono work not even paid. I am seriously going to stop all FREE, probono work. ENUFFFF!!!!
  4. Par For the Course Meaning: What you would expect to happen; something normal or common. CONVERSATION on Linkedin this morning with a Cartoonist turned to Golf and we used many terms about the game but in the end I gave up. Not my cup of tea – this free advice game has to stop forthwith…. Getting Bored to death! 
  5. Two Down, One to Go Meaning: Two things have been completed, but there is one more that has yet to be finished.  Going slow this week on writing articles.  Reflecting. Going slow on Speech learnings – pausing… No progress on Painting…. WTH am I doing?
  6. Under Your Nose Meaning: Missing something that should be really obvious.  I sincerely hope nothing is missing. These Astrologers… they always scare me with Sade Saati of Shani Maharaj and tell me nasty things.  
  7. Happy as a Clam Meaning: The state of being happy; feeling delighted.  The morning audio course on the Impromptu speaking on Udemy was a delight. I shall repeat this and practice this.  The trainer was a Toastmaster too and wonderful to hear. 
  8. Yada Yada Meaning: A way to notify a person that what they’re saying is predictable or boring.  Hmmm… Almost said this to couple of people but restrained this morning. 
  9. Goody Two-Shoes Meaning: A smugly virtuous person.  I thin. k, I know who by now
  10. Let Her Rip Meaning: Permission to start, or it could mean ‘go faster!’ Whenever I go on full speed, I come across emotional, sentimental, tangential barriers. God knows why but I carry on till either I find a Counter so that I have a number chase and something that is notable, worthy or I slip down and wait for my own Let Her Rip permission that my brain gives. 

 

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Random Acts of Kindness. I have chosen one. Please choose one.

  1. Hug your parents
  2. Send flowers to a friend or a family member!
  3. Tell a friend about ARK/World Kindness Day
  4. Help somebody with a chore they need done!
  5. We walk past homeless people every day; can you spare them 5 minutes of your time?
  6. Bake something for your family/friends
  7. Remember that friend you haven’t seen for ages? Give them a call
  8. Help an elderly person cross the road or up the stairs
  9. Feeling brave? Give blood
  10. Offer to help your neighbours/friends with chores


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Random Phrases – Creativity – How did my day go as per these morning pointers?

  1. A Piece of Cake Meaning: A task that is simple to accomplish.  This time the terror topic – Table topic for me was better and I did finish in less than 2 minutes and people remembered one point I made. 
  2. You Can’t Judge a Book By Its Cover Meaning: Don’t judge someone or something only by the outward appearance.  The lady who gave an emotional story was so non=descript but the way she spoke – Fabulous – there were tears in my eyes. Such a moving Tale. 
  3. Needle In a Haystack Meaning: To keep going, pressing forward; never stopping. Not cancelling the ticket or taking a rash, impulsive decision helped. The organisers arranged another lecture at same day/ place and topic remains the same. 
  4. Curiosity Killed The Cat Meaning: Typically said to indicate that any further investigation into a situation may lead to harm.  Some things are best buried fast enought. 
  5. Let Her Rip Meaning: Permission to start, or it could mean ‘go faster!’  Attended 7th Toastmasters club meeting and going faster. Mentor did not turn up or respond. Let’s see how fast I can go  now.  
  6. A Fool and His Money are Soon Parted Meaning: It’s easy for a fool to lose his/her money.  Hmmmm. …. Not Again ! 🙂
  7. Ugly Duckling Meaning: One who may seem plain at first in appearance or capability, but later turns out to be beautiful or great.  I like the young speakers who speak for the first or second time and they are potential speakers with talent. 
  8. Off One’s Base Meaning: A person that is crazy or behaving in idiotic ways – Who hasn’t met them?  
  9. Keep Your Shirt On Meaning: Keeping calm. Usually said by someone who is trying to avoid making others upset. Noted. 
  10. Don’t Look a Gift Horse In The Mouth Meaning: When you receive a gift from someone, do not be ungrateful.  Yeah yeah yeah ! I have been at the other end and made to look Yada yada yada ! 🙂
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Random phrases, Creative juices, beginning of the day.

  1. Hard Pill to Swallow Meaning: Something that’s difficult to accept.  Yes. I found Lies, white lies from close ones most unacceptable this morning. 
  2. Quality Time Meaning: Spending time with another to strengthen the relationship. Alas! If this was to have happened a few days ago. 
  3. Happy as a Clam Meaning: The state of being happy; feeling delighted. Yes. One would like to be as happy as a Clam. 
  4. A Fool and His Money are Soon Parted Meaning: It’s easy for a fool to lose his/her money.  This is so true. I learn lessons every day. 
  5. Head Over Heels Meaning: Falling deeply in love with another person. This happened 38 years ago and keeps happening daily 🙂 I
  6. Put a Sock In It Meaning: Asking someone to be quiet or to shut up. No. Won’t do that. I believe in giving people a voice – however, scared they may be :). Yes. I specialise in terrorising at times. 
  7. Birds of a Feather Flock Together Meaning: People tend to associate with others who share similar interests or values. This is really true. I see so many phonies, so many ponzi operators, so many liars coming together, living together, defending each other all the time. 
  8. A Dime a Dozen Meaning: Something that is extremely common.  Hmmm… Even the near genius can be so Random at times. 
  9. Poke Fun At Meaning: Making fun of something or someone; ridicule. This is second nature, I do this all the time. Call me Skeptic, Sceptical, critical, hypercritial or simply hypercurious. 
  10. Right Off the Bat Meaning: Immediately, done in a hurry; without delay.  I love this phrase. 
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RAK Movement. I chose my Random Act of Kindness. How about you?

  1. Go green – don’t waste paper
  2. Remember to turn the lights off when you leave a room!
  3. Tell a friend about ARK/World Kindness Day
  4. Neighbour’s lawn looking messy? Offer to mow it
  5. Remember that family member you haven’t seen for a while? See how they are doing
  6. Read a good book recently? Pass it on to someone else
  7. Have lunch with a homeless person
  8. Help someone struggling with heavy bags
  9. Share your lunch with a friend
  10. Remember that friend you haven’t seen for ages? Give them a call
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Creativity: Random Phrases this morning

  1. Read ‘Em and Weep Meaning: Often said by the winner in poker, as the others ‘weep’ over the loss.  True.
  2. Know the Ropes Meaning: Having a familiarity or understanding of how something works. Some people are very good at it. In mentoring Process understanding of how things work for Mentees is very important.
  3. Give a Man a Fish Meaning: It’s better to teach a person how to do something than to do that something for them. I do this mistake very often and end up being the loser. I need to change this. 
  4. Playing Possum Meaning: Pretending to be dead, or to be deceitful about something. Difficult to peel some masks.
  5. Birds of a Feather Flock Together Meaning: People tend to associate with others who share similar interests or values. True
  6. Put a Sock In It Meaning: Asking someone to be quiet or to shut up.  Best to do when things are not working out. 
  7. Goody Two-Shoes Meaning: A smugly virtuous person. Hmmm… Do I know some?
  8. In the Red Meaning: Losing money. Being in debt.  Never. Live life debt free always. 
  9. Down For The Count Meaning: Someone or something that looks to be defeated, or nearly so.  Don’t know who, yet. 
  10. Go Out On a Limb Meaning: Putting yourself in a risky situation in order to help someone; or to hazard a guess.  Not to my knowledge. Unknowingly – don’t know. 

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3 Cold Calling Mistakes that Trigger Rejection

 

Word Count:
710

Summary:
In our efforts to HyperScale the business in the formative stage of the business, an Entrepreneur – willy-nilly, beegins Cold Calling upon advice. In the old cold calling mindset, we are taught to focus on the sale and be completely confident that what we are offering is something the other person should/must buy.

 

As the Startup business begins to gain scale and there builds a pressure on the SMEs to HyperScale due to pressure on Breakeven, Investor push etc. they begin to use some of the oft-repeated menthods to bring the Sales volumes up. One of them is Cold Calling.
Here are 3 common cold calling techniques that we should avoid:

Mistake #1: Center the conversation around us and what we have to offer

In this old approach, we introduce ourself, explain what we do, and suggest a benefit or feature of our product. And then we close our eyes and pray that the other person will be interested

Unfortunately, the moment you stop talking you usually hear,

“Sorry, I’m busy,” or “Sorry, I’m not interested.”

  • We’ve started your cold call by talking about your world and what you have to offer. But realistically, most people aren’t all that interested in you. When you talk about your company and your product, it’s just another advertisement to them. We haven’t engaged them, so they often just “turn the page.”
  • Prospects are much more interested in themselves and whatís important to them. So if you start the conversation by focusing on their world, theyíre more likely to interact with you.
  • So instead, talk about an issue or problem they may need solving. Focus on them rather than on what you have to offer. And see where it takes you.

Mistake #2: Be confident they should buy your product or service

In the old cold calling mindset, you’re taught to focus on the sale and be completely confident that what youíre offering is something the other person should buy.

  • The problem with this approach is that you havenít asked them to determine this along with you. So think about it ñ in the old mindset, youíre really deciding for someone else whatís good for them. I know this isnít intended, but thatís exactly what comes across to your prospects.
  • So rather than being full of confidence and enthusiasm, stop for a minute and think about the other individual. Relax into a real conversation instead of moving into a persuasive strategy or sales pitch. Put yourself in their shoes and invite them to explore along with you whether what you have to offer is a match for them.
  • Others really can distinguish the difference. Youíre inviting them to see if you might be able to help them solve a problem. This makes for a much better connection right at the beginning, and youíll get that immediate rejection reaction much less.

Mistake #3: When someone brings up an objection, try to overcome it

You know, one of the reasons cold calling is so difficult is that sometimes you may not be very familiar with the other person and their business. When you make that first call, you donít know very much about their issues, problems, budget, and time constraints.

Chances are, not everyone is going to benefit by your product or service.

  • So realistically, your company or product isnít going to be a match for everyone. And yet, when someone brings up an objection (“we donít have the budget for that,” etc.), the old cold calling mindset trains you to “overcome,” “bypass,” or “override.”
  • But when you do that, you put the other person on the defensive. Something theyíve said is being dismissed. And hereís where rejection can happen very suddenly.
  • So it ís much better to listen to their concerns and continue to explore whether what youíre offering makes sense for them. There are some wonderful phrases you can use that validate their viewpoint without closing the conversation.
  • So now youíve discovered the 3 major cold calling mistakes people often make. See if you can shift away from those old self-sabotaging mindsets. When you do, youíll notice that people will engage you much more, and the immediate rejection youíve grown so accustomed to will happen much less.
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Creativity, My Day and Random Phrases

  1. Under Your Nose Meaning: Missing something that should be really obvious. How did I miss the obvious that the Business person in a mentee will always prefer MONEY, MONEY, MONEY and if here is seductive voice enticing – he will surely and certainly fall for it. 
  2. High And Dry Meaning: To be left behind; abandoned. Being in a helpless situation without a way to recover.  No. That does not happen and it is no pretense, in my mind, I work these scenarios and still try and address issues as a Human being and forgive people as humans. 
  3. A Fool and His Money are Soon Parted Meaning: It’s easy for a fool to lose his/her money.  I do lose some, but do keep losing – primarily to my false pride, magnanimity and the inability to find untrustworthy people. 
  4. You Can’t Judge a Book By Its Cover Meaning: Don’t judge someone or something only by the outward appearance.  Time is ripe now that I actually should judge the book by its cover. 
  5. Jaws of Life Meaning: Usually this references a tool used by rescuers when they pry or cut open a car to save the occupant.  I take this as a cue to use my strong arms and use the strength to overcome the situations that are regularly arising. 
  6. Down For The Count Meaning: Someone or something that looks to be defeated, or nearly so.  Just trying to visualise the moves as -people are sharp, smart and pretend – They appear unable, when able and Appear able when the are unable.  Even the best strategists can fail to read this at first glance.  
  7. When the Rubber Hits the Road Meaning: When something is about to begin, get serious, or put to the test.  This year I have acted more decisively, more abruptly, more impulsively – especially when it came to people decisions.  Most have proved right and initial errors of judgement about them were corrected by breaking up an dblocking them. 
  8. Ugly Duckling Meaning: One who may seem plain at first in appearance or capability, but later turns out to be beautiful or great.  Some ugly ducklings pretend to be the future swans but their company makes sure, the ruboff is so strong that they remain – UGLY. 
  9. What Am I, Chopped Liver? Meaning: A rhetorical question used by a person who feels they are being given less consideration than someone else. Used to happen a few months ago but now things are much under control and survivalism is not required. 
  10. Mouth-watering Meaning: Delicious; something that looks or tastes appetizing.  Paav Bhaji for dinner – home made… wow Yummy ! made my day. 🙂
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Random Acts of Kindness

  1. Make amends with someone you may have wronged
  2. Someone wronged you? Forgive them
  3. Someone looking lost? Help them with directions
  4. Go out of your way to thank someone today!
  5. Surprise your parents with flowers
  6. Save your family some time and buy their groceries
  7. It can get lonely when you are old, pay your grandparents a visit
  8. Neighbour’s lawn looking messy? Offer to mow it
  9. Help someone carry their pushchair up/down the stairs
  10. Offer to babysit your siblings/cousins/nephews/nieces etc


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From my Fav newsletter for Startpreneurs

Inc42 Logo
TraveLibro: Here’s A Travel Social Network That Helps Travellers Discover, Capture, And Inspire Wanderlust
Founded by Monish Shah and Malhar Gala, TraveLibro enables users to build a global social network where they can capture their travel experiences in live ‘On-The-Go’ stories via photos, videos, reviews, and thoughts, chronologically.
Established in 2016, pi Ventures claims to be India’s first such venture fund that is focused on AI. It recently raised $6 Mn from the CDC Group UK. Here are the excerpts from this week’s Moneyball with Manish Singhal founding partner at pi Ventures where he talks to us about how their model is nott to spray and pray, his belief that in future, products will struggle to survive if they don’t use AI and machine learning in a meaningful way and much more…
Inc42, in the 21st episode of Ask Me Anything (AMA), hosted Siddharth Talwar, co-founder and partner of Venture capital firm Lightbox. He has been in the startup ecosystem for nearly two decades with hands-on-experience of being an entrepreneur and then an investor, supporting consumer technology startups.
nc42’s Blockchain Technology Report 2018: Demystifying The Hottest Technology Of The Moment
Zoho, which enables enterprises to run their businesses smoothly with its suite of online productivity tools and SaaS applications, claims to have more than 35 Mn users worldwide. Even as Indian startups are going the IPO way, Vembu loves his freedom and has no plans to take Zoho public.
Online lending startup CASHe has developed a proprietary scoring system called ‘SLQ’ as an alternate to the current banking credit scoring system. The SLQ is independent of any bureau reports and generates its own scores based on the customer’s social behaviour data
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Creativity and Random phrases for today.

  1. Roll With the Punches Meaning: To tolerate or endure through the unexpected mishappenings you may encounter from time to time.  Yes. As an ex Boxer I am ready to face them. 
  2. Back To the Drawing Board Meaning: Starting over again on a new design from a previously failed attempt. Starting to publish the Poetry ebook from my blog tomorrow is the deadline. How I hate deadlines. 
  3. Jack of All Trades Master of None Meaning: Having suitable skill in multiple things, but not being an expert in any of them.  Yes I am one. No problem with that. 
  4. Rain on Your Parade Meaning: To spoil someone’s fun or plans; ruining a pleasurable moment.  Happened this morning and suggested solutions to overcome the issues and mitigate risks. 
  5. Hear, Hear Meaning: A shout of agreement, or to draw attention to a speaker. Yet to happen. 
  6. I Smell a Rat Meaning: A feeling that something is not quite right, or awry. That sinking feeling… Why does it always occur on my bad biorhythm days?
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My RAK Movement (Random Act of Kindness). How about you?

  1. Plant a seed
  2. Apologise to someone you may have hurt
  3. Purchase ethical goods
  4. Smile at a stranger
  5. Gift someone something they complimented you for
  6. Volunteer your time for a good cause
  7. Go the day without complaining
  8. Make a conscious effort to recycle
  9. Pay for someone else’s meal today
  10. Share something interesting you’ve learnt today
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Creativity: Random Inputs generated this morning for today

Quick and Dirty

Meaning:

Things that are fixed with great speed, but as a result, it’s probably not going to work very well.  The quick trip this year did not expect any result even after a month and I was little depressed.  But the Brainwave and Udemy courses I am doing are really balancing.

There’s No I in Team

Meaning:

To not work alone, but rather, together with others in order to achieve a certain goal.  The recent attempts to work as a team member without putting skin in the game has not worked.  Partner trouble of the past always comes back however much I try to let it go.

Burst Your Bubble

Meaning:

To ruin someone’s happy moment.  No I did not and will not do that.

Break The Ice

Meaning:

Breaking down a social stiffness. Hmmm… I think I shall shrink all other social activities and whatever is going on and just focus on 2 or 3 major big ticket items only.  I need finishiative myself.

Right Off the Bat

Meaning:

Immediately, done in a hurry; without delay. But it did not yield any results. May be the introduction was not done well or my offerings were wrong or may be I was not seen as the choice or I failed to sell my services well.

I Smell a Rat

Meaning:

A feeling that something is not quite right, or awry.  That sinking feeling ! Ahh !  but I am learning lessons on Self hypnosis and they are good. They work.

It’s Not Brain Surgery

Meaning:

A task that’s easy to accomplish, a thing lacking complexity.  No. I do not have any simple task in my task list. I must just junk it and fill it up with small simple tasks and steps I can do and applaud myself , pat my own back.

 

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Jay’s Tantra: To resolve a Dilemma

Sometimes, I have dilemma.  Mostly the decision is about People who come in my life, stay there, get benefitted, some reciptrocate, some don’t. Some cost me money, some Time, Some deep efforts and some simply gifts and for some I give all that I have.

Then come some moments, decisive when the masks are unpeeled, they fall off, the gloves come off, bad behaviour, attitude, insults start hurting and I realise the my Trust was ill-placed. I have made a huge error of judgement.

In such times, I use Jay’s Tantra. The simplest way is to consult and seek advice from the Omnipotent, Omniscient, Omnipotent  – The Om -HIMSELF.   I go to BhagvadGita and choose a random shloka. I also go to a Bible someone gifted me years ago.  I take a Verse for Bible.

I then decipher meaning as per my understanding and draw inferences.  These are not regular moments, they happen when I have a deep dilemma.  It is never a Conscience issue though as Conscientious decisions come to me quick and fast – No problem there.

Today’s Dilemma was solved by these two and I urge readers to try this if you come across such difficult moments in life.

This is what came out as Random Verse from Bible:

Proverbs 23:9

Passage: 

Do not speak to fools,

for they will scorn your prudent words.

This is what came as Random Shloka from Gita

Srimad Bhagavad Gita

Chapter 2 Sloka 70 

Got it!

Yes. I got my answer to the dilemma. That’s Jay’s Tantra.  Use it sparingly and only in dire situations with full belief and trust in the Almighty. Amen!

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Random Acts of Kindness

  1. Help a younger student with their work
  2. Buy someone a coffee
  3. Leave someone flowers anonymously
  4. Make your voice count – sign a petition for a good cause
  5. Help somebody with a chore they need done!
  6. Write a complimentary note for someone
  7. Someone looking lost? Help them with directions
  8. Gift someone something they complimented you for
  9. Google ‘survey for charity’ and complete one. They receive money for every one you fill out!
  10. Support a small, local business as a customer


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Creativity: Random phrases for Friday and how my day went.

  1. Two Down, One to Go Meaning: Two things have been completed, but there is one more that has yet to be finished.  I finished two article writing and two presentations now one more to go.  Going is tough but it gets going. 
  2. Easy As Pie Meaning: Something that is easy.  Parting was so damned easy, why did I drag my feet and procrastinate?  I should have listened to my Theta brainwave and the Gut feel the very first time.  
  3. Throw In the Towel Meaning: Giving up; to surrender.  Even the worst of urban commie brainwashed bran-heads give up in surrender, the worst of the masks can be unpeeled and the already Red Inside faces can be made bloody – it is a skill, a technique,  a hard De-mentoring and exposing the pseudos – the Freeloaders who like a pest/ Leech suck your time, efforts, money and peace of mind. Good riddance! 
  4. Right Out of the Gate Meaning: Right from the beginning; to do something from the start. Someone said about hindsight and my polite response was – I have foresight and farsight. I drive with a backview mirror – I don’t need a mirror to see driving in the fore.  The hindsight is reserve of the stray horses and mares with broken or absent shoes with hurting nail which makes them kick at everything – not in sight and ignore what is in sight.  That is where the ‘Saddle point’ of negotiations arrive and the Best Jockeys – Mentors put nose rings and blinkers ON so that they can convert the strays into Race horses.  Best trainers, jockeys have a different approach to deal with them. Branding them is the first step 🙂 
  5. Jack of All Trades Master of None Meaning: Having suitable skill in multiple things, but not being an expert in any of them.  Yes.  For too long I have been that.  45 specific online courses (on Udemy)  later – i am still searching for the right niche’ to be an expert.  Otherwise, I am sure, I shall get an Honorary D.Litt. from a friendly University one day 🙂 🙂 🙂
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Random phrases generated for creative juices to flow:)

  1. Shot In the Dark Meaning: An attempt that has little chance for success. But worth taking. I don’t leave till the end, whenever it comes – it may or may not come. Keep at it. 
  2. Birds of a Feather Flock Together Meaning: People tend to associate with others who share similar interests or values. Yes. Especially Conniving, Nefarious, Nexus of Corrupt always find ways to come together. 
  3. On the Ropes Meaning: Being in a situation that looks to be hopeless! Hmmm… In such cases, I do not persist. I take a walk. A childhood trait.  Whenever there was an issue about Captaincy and someone wanted to be one instead of me – I’d walk away and start a new club, a new team and remain the Captain. What an authoritarian, autocrat I was. No?
  4. Down And Out Meaning: (1) A term used in a boxing. (2) Someone who has become incapacitated.  No. Never. Never give up.  I was able to contain the heart disease with Doctors, family help and my own determination.  I still live with half a heart pumping at only 35% but I choose to live and not give up.
  5. Hear, Hear Meaning: A shout of agreement, or to draw attention to a speaker.  No many times do we hear this.  These days, like the purchase managers of the olden days, people are taught to say NO NO NO NO till their tongue bleeds. 🙂

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INTERESTING day – Creativity and Random Phrases Generated for the day


  1. Put a Sock In It Meaning: Asking someone to be quiet or to shut up. Yes. I had to say it quite lovingly today as Excess in everything is bad.
  2. You Can’t Judge a Book By Its Cover Meaning: Don’t judge someone or something only by the outward appearance. Judging itself is bad. I heard young speakers today and the feedback could not help them – they needed Feedforward and cheerleading.
  3. Rain on Your Parade Meaning: To spoil someone’s fun or plans; ruining a pleasurable moment Yes. My feedforward may have done that to the organisers of the meet up who were pathetic narcissist speakers – giving minimal opportunity to members and aspiring speakers.
  4. Back to Square One Meaning: To go back to the beginning; back to the drawing board. Yes. I am actually happy to go back. Just posted some old painting pics today.
  5. When the Rubber Hits the Road Meaning: When something is about to begin, get serious, or put to the test. I have invested in Udemy, WordPress and Medium. I am quite serious.
  6. Down And Out Meaning: (1) A term used in a boxing. (2) Someone who has become incapacitated. When people keep saying that they are trying to find happiness I guess they are down and out and in need of narcotics which got them there in the first place.
  7. Greased Lightning Meaning: Very fast or quick. changed my mental tracks and I am no longer judging not even remotely trying.
  8. Cry Wolf Meaning: Someone that calls for help when it is not needed. Someone who is lying. Pathetic, pathogenic, habitual liars do not change. Not in my experience.
  9. An Arm and a Leg Meaning: Something that is extremely expensive. Getting back friendship is worth an arm and a leg.
  10. Down For The Count Meaning: Someone or something that looks to be defeated, or nearly so. And some play Sun Tzu rather well – Appear able when unable, appear unable when able. 🙂
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BEST startup newsletters

Daily Capsule | 14th September

Of dual SIMs and the costliest ever iPhone – all you need to know about the latest Apple announcement

An Apple product announcement tends to be fairly routine – kickass promos, newer, fancier products mixed with some good, old-fashioned old pomp and pageantry. The tech giant held its annual debut event on Wednesday morning at the Steve Jobs Theatre at its Cupertino headquarters in California and revealed all that was new in the Apple universe. Here is everything you need to know about the latest Apple announcement.

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Raising money isn’t the way to building a great startup; building value is: experts at Elevate 2018

The Government of Karnataka has shortlisted 250 finalists at Elevate, its startup competition. But starting up is only the first step in what’s likely to be a long journey. The other steps include growing the company, raising money, and scaling up. On Tuesday, the government brought in four top founders – of ZoomCar, NestAway, Chumbak, and Your Story – to talk about their journey and prep young startups for the real world.

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After Uber and Ola, these cab aggregators are gearing up for the online rental space race

For some years now, India’s cab market has been dominated by two players – Uber and Ola. The two firms have been facing off since San Francisco-headquartered Uber entered India in 2013, two years after Ola was founded. According to a report released by ICRANSE, the Indian passenger vehicle industry is likely to ride on the “strong growth potential of domestic taxi segment” in the near term. But Ola and Uber are not the only cab services racing to get a pie of the online rental market. YourStory lists a few cab aggregators that will help you with your rental needs and let you book inter-city cabs.

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Karnataka selects 77 startups for funding at Elevate 2018

The Karnataka government on Tuesday announced the winners of Elevate, its startup initiative. The state has chosen 77 startups for funding this year from the 246 startups that pitched to the high-profile jury. All 77 startups will receive funding up to Rs 50 lakh each from the state IT, BT and S&T department. The programme, part of the startup policy launched by the state government in November 2015, is run under the Startup Karnataka initiative of the Ministry of IT-BT and S&T.

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Rejection isn’t the end of the road for a startup: VCs offer funding advice to entrepreneurs

Bengaluru-based Indian language knowledge sharing platform Vokal has raised $6.5 million led by Kalaari Capital, as a part of its Series A round. The platform, founded by Aprameya Radhakrishna and Mayank Bidawatka, had in July raised $5 million led by Shunwei Capital. Vokal is a peer-to-peer knowledge-sharing platform for India’s non-English Internet users.

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Policy paper and a proposed regulatory framework for blockchain and cryptocurrency in India

Can the “blockchain good, crypto bad” ideology work? To find out, download the report “Realising India’s Blockchain Potential” that puts light on issues related to Blockchain and creates a dialogue between regulators and the blockchain community in India

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Deep Kalra on Scaling-up your start-up: It’s all about the Product-Market-Fit

MakeMyTrip’s Deep Kalra shares how he created, grew & perfected a product for a market where no one bought online.Listen to the #BuildingItUp with Bertelsmann podcast

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Fun Idioms Generated for the day: Creativity Exercises by the JayMentor

  • Sometimes, the help that comes is so slow in coming it can be termed as
  • That’s Helping A Snail Cross The Road.
    ———————
  • Just as a college is meaningless without students or teachers
  • A Library Is Meaningless Without Readers.
    ———————
  • Sometimes the Empathy / Sympathy expressed is so Verbose that I feel
  • When Comfort Turns To Discomfort.
    ———————
  • Making A Meal Out Of Nothing.  Any suggestions?
    ———————
  • There’s No Plan For Madness.  Not in my dictionary.  What about you? 🙂 
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RAK Movement- Monday Random Acts of Kindness – Jay Parkhe

  1. Know someone who is not coping very well? Give them a call
  2. Be eco-friendly – unplug electronics when you’re finished using them
  3. Apologise to someone you may have hurt
  4. Reconnect with your grandparents or an elderly person you know – give them a call!
  5. Leave a kind message anywhere (in a library book, on a computer etc.)
  6. Save your family some time and buy their groceries
  7. Life can get really busy – take some time out to spend with a family member
  8. Share something interesting you’ve learnt today
  9. Pay for someone’s bus ticket
  10. Tell a friend about ARK/World Kindness Day
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Random Phrases for today. Let us see next… :)

  1. Down For The Count
    Meaning: Someone or something that looks to be defeated, or nearly so.  Does it mean Me? 
  2. A Fool and His Money are Soon Parted
    Meaning: It’s easy for a fool to lose his/her money. Quite true. I fall prey all the time to neuromarketing gimmicks. 
  3. Keep Your Shirt On
    Meaning: Keeping calm. Usually said by someone who is trying to avoid making others upset.  LOL ! how true! 
  4. Back To the Drawing Board
    Meaning: Starting over again on a new design from a previously failed attempt. Yes. I am. Trying Hard. Redesigning blog. Planning whether to restart painting. Have to prepare two teaching courses. Dependency is BAD.
  5. A Dime a Dozen
    Meaning: Something that is extremely common. Hmmm.  I am so mundane ! 🙂
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Creativity: Random Phrase generated this morning and how day is ending…

  1. Money Doesn’t Grow On Trees Meaning: Suggests that money is a resource that must be earned and is not one that’s easily acquired. I sometimes wonder how deep the negotiations go into cutting into teacher’s courses. I found it absurd when the negotiator of an educational institute was so unreasonable – he was happy if I said I will teach ProBono 🙂 I said NO! 
  2. Give a Man a Fish Meaning: It’s better to teach a person how to do something than to do that something for them.  I TOTALLY agree after this year’s lessons I learnt. Doing things for free, offering free advice has no Value. People like PRICE these days and are mostly unwilling to pay or negotiate hard for a ProBono bargain. The attitudes are so horrific. 
  3. What Am I, Chopped Liver? Meaning: A rhetorical question used by a person who feels they are being given less consideration than someone else. Playing Victim, playing damsel in distress like ( even guys do this 🙂  ) is characteristic of some Millennials I have dealt with in the recent past. 
  4. On the Same Page Meaning: Thinking alike or understanding something in a similar way with others. Rare to find agreements and I like to push forward with even a few agreements. 
  5. Poke Fun At Meaning: Making fun of something or someone; ridicule.  Is this second nature in marathi families ?  We love to poke fun, pun, pull legs so much that when we do this to others who come close  – it demagnetises and repulses them. 
  6. Off One’s Base Meaning: A person that is crazy or behaving in idiotic ways.  Body language, facial gestures, awkward neck and eye movements all depict disinterest – why don’t people be cogent enough to say it on the face. 
  7. When the Rubber Hits the Road Meaning: When something is about to begin, get serious, or put to the test. The real tests hopefully start for a new Revenue making stint next month onwards. 
  8. Yada Yada Meaning: A way to notify a person that what they’re saying is predictable or boring.  Wonderful expression. I like it. 🙂
  9. Keep Your Shirt On Meaning: Keeping calm. Usually said by someone who is trying to avoid making others upset. What I have come across this year mostly are those who offer their shirts when they are REALLY naked. 
  10. Down For The Count Meaning: Someone or something that looks to be defeated, or nearly so.  Hmmm… That’s not me ! Never.  🙂
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Creativity: Generate Random Phrases and relate to the day gone by…

  1. Go For Broke Meaning: To risk it all, even if it means losing everything. To go all out. That’s crazy ain’t it? But some do. And to go by the mindfulness and other courses I am doing they say listening to heart, thinking thru heart is good. Wondering what is right?
  2. Roll With the Punches Meaning: To tolerate or endure through the unexpected mishappenings you may encounter from time to time. Yes. it is a bit quixotic past 6 months. But past 3 are better with all the certifications and blog writing.  Things average out indeed. 
  3. Love Birds Meaning: A pair of people who have a shared love for each other Hmmm…. Will have to rack my brains to find who ? 🙂
  4. Ring Any Bells? Meaning: Recalling a memory; causing a person to remember something or someone.  Can we ’cause’ someone to remember/ recall a memory – Seriously ! I can only associate it with Traumatic or may be dramatic and laughable :0) What do you think?
  5. Curiosity Killed The Cat Meaning: Typically said to indicate that any further investigation into a situation may lead to harm.  Listening to some of the Udemy lectures I now know – Seeing and taking things on face value is incorrect. They use some jargon for it. But then Hypercurious like me – we Kill such cats! All the time 🙂 
  6. Cry Over Spilt Milk Meaning: It’s useless to worry about things that  already happened and cannot be changed. This is so true!  Which is why my Guru and Mentor brought the manufacturing term into coaching called “Feedforward” as we can only create better future and can’t correct the past ( like some pseudo-sickular historians in India who are well paid to re-write history). Sad! 
  7. Foaming At The Mouth Meaning: To be enraged and show it. The Tamil song Kolavari Di and Hindi word – Khunnas should find a way into Oxford dictionary now – Foaming at mouth is so Passe’! 
  8. If You Can’t Stand the Heat, Get Out of the Kitchen Meaning: One should discontinue with a task if they are unable to cope with it due to pressure.  I also read an advice to a girl today (purportedly by Confucius – spelt wrongly that if the man of her choice is not better than her – he is not for her or something like that – Wah! ) 
  9. Hands Down Meaning: Anything that’s easy or has no difficulty; something that is a certainty.  What’s that!?  Truly, I would like to know – I have gone thru so much bad times but things always averaged out for me. 
  10. High And Dry Meaning: To be left behind; abandoned. Being in a helpless situation without a way to recover. When you meet quixotic, unpredictables and semi-insane people in life and give your trust, empathy to them – you will be in for a shock of your life and will always find yourself in this damned situation. 
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Startup news – My fav newsletter

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Morning Briefing (9 Min Reading Time)
Top news & stories of the startup ecosystem from India & around the world
Bengaluru-based online classifieds and services portal Quikr India Pvt Ltd is reportedly in talks to raise between $100 Mn and $150 Mn by keeping its record valuation of $1 Bn. If the company successfully manages to raise funds sustaining its $1Bn valuation, it would mark a turning point for the company.
Indian government-owned statutory body Telecom Regulatory Authority of India (TRAI) has reduced the scope of regulation for the proposed framework for the over-the-top applications (OTT) like WhatsApp, Skype, Netflix, Hotstar among others.
The first meeting of the recently formed ecommerce panel of secretaries was held on Thursday (September 14), during which issues related to the definition of ecommerce and grievances related to the industry were discussed. This committee is different from the inter-ministerial task force that is working on the draft ecommerce policy.
Fact sheet by Inc42 Datalabs.
Amid rising data theft, breaches, and leaks in India, the Supreme Court had directed the Indian government to formulate a Data Protection Bill to ensure and strengthen people’s rights over personal data and the right to privacy. Accordingly, the Justice Sri Bn Krishna Committee was formed in July 2017 to deliberate on a data protection framework for the country.
SP-TBI is an initiative of the Bharatiya Vidya Bhavan’s Sardar Patel Institute of Technology and is affiliated with the Department of Science and Technology of the Indian government, which formally recognised it in 2015. With its core focus on enabling technology-based startups, the affiliation gives SP-TBI a definitive edge.
Blockchain report
Satellite imaging and analytics company Planet is taking the wraps off its new manufacturing space in San Francisco. Founded by ex-NASA employees, Planet is leveraging some of the $183 million in funding it’s amassed to expand.
Google is reportedly building a prototype system that would tie Chinese users’ Google searches to their personal phone numbers, as part of a new search service that would comply with the Chinese government’s censorship requirements.
For those not in the know, a DApp is a decentralized application built on a blockchain like Ethereum or EOS. You may be familiar with legitimate DApps such as Augur or CryptoKitties, but this is not a story about what honest programmers can create using the power of the blockchain.Start
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RAK Movement- Tuesday Random Acts of Kindness – Jay Parkhe

  1. Help an elderly person cross the road or up the stairs
  2. Recycle 3 things today
  3. Share today’s food with your neighbour!
  4. Good servicing requires a lot of effort; tip them!
  5. Hug your parents
  6. Let someone know how much you appreciate them
  7. No matter how annoying they can be, tell your siblings how much you appreciate them
  8. Help someone academically – lend them your study notes
  9. Be someone’s shoulder to cry on
  10. We all need help sometimes; offer someone a helping hand
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My Fav Newsletter I subscribed for Entrepreneurs/ Starups

Morning Briefing Top news & stories of the startup ecosystem from India & around the world
10 Min Reading Time
Good morning dear reader!
This Gurugram-based company raised $49.7 Mn (INR 340 Cr) from Sequoia Capital India and its existing investors, at a valuation of $250 Mn. To be noted, Sequoia Capital is also an investor in CarDekho, which competes with Cars24.
With this, the total capital raised by OfBusiness as a mixture of debt and equity reaches $73.1 Mn. Earlier in October 2017, OfBusiness secured $3.8 Mn (INR 25 Cr) in debt funding from Kotak Mahindra Bank.
The company is also looking to add at least two new investors with participation from existing investors led by Tencent Holdings. Byju’s app is currently used by over 15 Mn users, with close to 900K paid annual subscriptions and a high annual renewal rate of 90%.
Factsheet  by In42 DataLabs
Share this fact sheet with friends on Facebook or Twitter or Linkedin or WhatsApp
Founded by Parul Gupta and Gautam Tambay in 2013, Springboard offers online courses and one-on-one online mentorship programmes in hot new-age domains such as data science, digital marketing, UX design and others. The company now plans to enter India to hone graduates to produce a job-ready skilled workforce.
Founded in 2010 by Jinesh Shah and Mark Kahn, Omnivore started operations in 2011 and is entirely focused on the agritech space in India. Mark Kahn claims that 5% of Indian farmers use products made by its portfolio companies. Find out what else Mark said in this latest edition of Moneyball Investor series.
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“We are a startup pitted against the biggest companies on the planet, but we believe deeply that what we’re building is the right thing. Creativity and technical elegance will win here.” says the founder Tim Kentley-Klay.
Slack announced today that it has acquired Robots and Pencils’ Missions, an app that allows Slack users to build tools to automate simple routines without code. Terms of the deal weren’t disclosed.
Google just announced that it will introduce a “visual snapshot” feature in Assistant to summarize what’s happening in your day. The feature, which is available on Android and iOS devices starting this week, will curate a user’s personal information into a single, scrollable interface — from flight times to restaurant reservations to scheduled meetings.
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Jay’s Creativity Tantra : Generate Random Phrases every day.

  1. Playing For Keeps Meaning: Said when things are about to get serious. I do give up at times. but I do give it a very serious try. In one recent case I gave up after 50 serious attempts to help.  When people do not wish to help themselves – who am I to help. 
  2. It’s Not All It’s Cracked Up To Be Meaning: Failing to meet expectations; not being as good as people say.  Yes that is my not wish.
  3. When the Rubber Hits the Road Meaning: When something is about to begin, get serious, or put to the test.  I am going to junk few Udemy courses I enrolled Free and have not gone to them yet. I wish to revise the ones I finished quickly but would like to re-read/ listen/ watch. 
  4. It’s Not Brain Surgery Meaning: A task that’s easy to accomplish, a thing lacking complexity.  I wish I get one today. 
  5. Like Father Like Son Meaning: Resembling one’s parents in terms of appearance or behavior. My receding hairline or the growing Temple from both sides makes me resemble my father. I do wish I had my mother’s blue eyes and my father’s Dark Tan – near black color rather than the pale brown I have 🙂 .  I do have their Temper, I do have their killer instincts and I do have the hunger for knowledge and the will to chase building reputation instead of money. 
  6. No Ifs, Ands, or Buts Meaning: Finishing a task without making any excuses.  FINISHIATIVE is a term I used for many years now. It has come to stay with me.
  7. Lickety Split Meaning: To go at a quick pace; no delaying!  At my Age, is there another option?  Slowdown is not my option. Hope is not part of my strategy.
  8. Talk the Talk Meaning: Supporting what you say, not just with words, but also through action or evidence. Yes! That is Integrity for me. Do what I say. Fulfill every promise I made, fulfill every commitment before I am dead. 
  9. Not the Sharpest Tool in the Shed Meaning: Someone who isn’t witty or sharp, but rather, they are ignorant, unintelligent, or senseless.  I hope I do not have to deal with one today. 
  10. Don’t Look a Gift Horse In The Mouth Meaning: When you receive a gift from someone, do not be ungrateful. I so believe in this. I love gifting more than receiving. Rarely I go for a Quid Pro Quo!. 


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Startpreneurs Fav Newsletter Inc 42

Morning Briefing (9 Min Reading Time)
Top news & stories of the startup ecosystem from India & around the world
As per the officials, Google has agreed to abide by all the RBI requirements but has sought around two months extra to comply. The ministry official said the government is still firming up its recommendations on storage of personal data after the Srikrishna committee submitted its report last month.
Food delivery Unicorn Zomato’s newest investor Alibaba’s Ant Financial has secured the right to become the largest shareholder replacing Info Edge, as the Chinese payments giant aggressively seeks to expand its presence in India.
Ola customers will soon be able to order food via the ridesharing platform. The company will soon be integrating online food delivery app Foodpanda to its cab-hailing app, which it acquired for $31.7 Mn in January 2018.
Fact sheet by Inc42 Datalabs.
Launching the new policy and guidelines, Suresh Prabhu, Minister of Commerce & Industry and Civil Aviation, announced, “These regulations will enable the safe, commercial usage of drones starting December 1, 2018. It is intended to enable visual line-of-sight, daytime-only operations to a maximum altitude of 400 feet.”
The draft ecommerce policy makes several random proposals such as making the National Payments Corporation of India (NCPI)’s RuPay card (a domestic solution/alternate to Visa and Mastercard) mandatory for payments gateways. It also suggests the creation of a government-aided ecommerce platform to promote micro, small and medium enterprises (MSMEs).
Blockchain report
Impossible Aerospace shared launch details of its US-1 drone today, with a dense design that is basically all battery. The company announced that it had closed a $9.4 million Series A from Bessemer Venture Partners, Eclipse Ventures and Airbus Ventures.
Vertical Aerospace is a British startup that has built and flown a fully electric vertical takeoff and landing (eVTOL) aircraft. The startup says it aims to launch a fully operational “air taxi” service by 2022, but plans to do so with pilots, rather than without, in order to comply with existing aviation regulations.
Amazon-sponsored product ads have been around since 2012. But lately, as the company has invested in growing its advertising business, they’ve become more aggressive. Sponsored ads allow vendors to bid auction-style to have their products show up when consumers type in a related search term.
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Startpreneur news from my fav Newsletter

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News Roundup: 11 Indian Startup News Stories That You Don’t Want To Miss This Week
One of the biggest Indian startup news stories of the week was that an Amazon delivery boy and employee were arrested for cheating. Also, US-based footwear brand Skechers has been offered an out-of-court settlement by the walmart-backed company Flipkart. Let’s have a look at these and other important startup news stories of the week.
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This week 19 startups raised around $152.46 Mn funding altogether. One of the biggest Indian startup funding this week was raised by Bengaluru-based insurtech startup Digit Insurance raised $44 Mn. In another development, there are speculations around online retailer eBay to join forces with ecommerce company ShopClues to relaunch its platform in India.
Once fallen to below $5K, slowly and steadily, Bitcoin is getting its charm back. Riding high on Bitcoin which is currently trading at $8.2K, the cryptocurrency market cap too, is ready to hit $300 Bn. Meanwhile, the Law Commission of India in its report submitted to the Minister of Law and Justice has recommended cryptocurrency as one of the cashless means for gambling transactions. Let’s take a look at this week’s development in cryptocurrency!
This week Mobikwik’s Chief Risk Officer, Puneet Agarwal has resigned from the company. Also, another shaker of the week was Sagar Das, the co-founder of Autoportal, who announced that he has quit the company. Let’s have a look at some of the other movers and shakers in the Indian startup ecosystem.
Uttar Pradesh govt to build blockchain infra for data security, TRAI taps blockchain to curb unsolicited calls, Walmart pilots blockchain project to procure farm produce in UP, Google partners with digital asset, BlockApps to push blockchain development & much more…
To discuss the growing trend of freelancing among Indian women, Inc42 and PayPal hosted a webinar — Nailing The Balancing Act: Women Freelancers in India — as part of the ongoing webinar series — The Rising Freelance Economy. Incase you missed it, get all the insights here…
During the media interaction, when asked about an inspiring global business personality, Sharma said, “I’ve interacted with Jack Ma (Alibaba) and Masayoshi Son (SoftBank). I also saw Steve Jobs (Apple) at a close distance. I wish I had interacted with him. But for this (occasion), I will pick Masayoshi Son (Softbank). Masa is not a man of a few billion dollars, but hundreds of billions.”
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From My fav Newsletter – Ladders. Starbucks Hacks- very interesting.

LIFE

13 Starbucks hacks you need to know

Admit it — you’re low-key obsessed with Starbucks. Starbucks is not just a restaurant — it’s a lifestyle. We wait year round for the infamous PSL (being labeled “basic,” be damned), know it’s time for Christmas when they start serving Gingerbread Lattes from Christmas cups, and look forward to summer with fruity, refreshing, and Insta-worthy iced teas.

But it can be a pretty expensive obsession to have! With typical menu drinks costing about $3-$7, plus whatever add-ins you prefer, it can add up (especially if it’s a daily occurence!). However — it doesn’t have to be that way. It’s worth looking into how to get more bang for our (Star)buck, and how many options the trusty coffee chain and cafe really can offer us. Read on for the hacks that will save you time, money, and calories at Starbucks.

1. Don’t limit yourself to what’s on the menu

In fact, the most expert Starbucks-frequenters rarely order off the menu, to get their favorite drinks and to save money! Check out the secret menu (yes, it really does exist!) or try these secret menu drink concoctions that are all $3, and never pay $5 for a coffee again! If you prefer lattes, order the cafe misto, which tastes the same (half coffee, half milk), but is significantly cheaper (and will save you calories!). More of a tea drinker? A chai latte misto is half steamed milk and half brewed chai tea, saving you money and sugar (you can also just order a hot chai tea with steamed milk if the terminology weirds you out, and save about $2).

2. Make your own drinks for a cheaper price

Iced lattes are one of the most satisfying and refreshing drinks, but can get pricey, especially if you prefer them in Venti size instead of the Tall (don’t we all on Monday mornings?). Instead of ordering a latte, order a triple espresso over ice, in a Venti cup (with room for milk), and then go to the condiments area to fill up your coffee with milk, which makes an iced latte, but for a fraction of the cost. If you prefer your lattes hot, you can also order a Tall coffee with steamed milk (still cheaper than a latte!), or a Tall hot coffee in a Grande cup, and fill up on the milk at the condiments station — a Grande latte for the price of a Tall coffee!

3. Never pay full price for two drinks during the same trip, again

Spend a lot of workdays or meetings at Starbucks where you stay for hours and get multiple drinks? Or maybe just one cup of coffee for you doesn’t cut it? Anytime throughout the day (and in any size — Tall, Grande, or Venti), refill your cup with brewed coffee or tea for just 5o cents. Just know that “refills” only count as iced or hot coffee and iced or hot tea (but remember the tricks above to turn it into a latte!). Also an insider tip: you can get a 50 cent refill with coffee or tea, even if your original drink was not just brewed coffee or tea. So feel free to fill up on a Pumpkin Spice Latte and get a 50 cent extra pick-me-up of tea before you leave!

4. Bring your own cup

Not only will you be saving the planet, one coffee cup and plastic straw at a time, but you’ll also save 10 cents on your drink whenever you bring your own tumbler, cup, or mug. We love using an ever-so-chic mason jar with a lid, or — funny you should mention it — Starbucks has amazing reusable cups of their own. We love this one, this one, and this one.

5. Sign up for Rewards

Normally I detest rewards programs at restaurants and stores — it’s just more spam emails and I probably spend more money than I save (it’s hard to resist a 30% sale or free pastry with purchase of drink). But at Starbucks, it is a must (and with no cons)! First of all, it’s free to sign up (did that convince you enough?), and besides just having a ton of perks for being a reward member (hello, free birthday drink!), you also earn points for a number of things, like purchasing anything in store and certain Starbucks items in grocery stores, that can be used for free food and drinks. Did we mention that it’s free?

6. Don’t buy a water bottle!

Never pay $3 for the plastic water bottle in the Starbucks fridge; just ask for a Venti iced water! You don’t have to worry about the water not being clean — Starbucks triple-filters their water and ice, so you know it’s as clean as possible and you could save some serious money. For an environmentally friendly option, you can also bring your own reusable bottle and ask Starbucks to fill it with water and ice, for free.

7. Order a French Press Pot of coffee

Going with friends or know you’ll want a few cups during your day at Starbucks? Order a French Press pot of coffee instead of individual cups. Each pot serves a few cups of coffee, but will be cheaper than buying each cup individually. Enjoy a pot with your friends, or get a serious caffeine buzz on your own (sometimes, we just need it!).

8. Get the most out of your iced drink

If you’re getting an iced tea, ask for “no water.” Iced teas are typically watered down from the original pitcher into your cup, so asking for no water will make the brew stronger. You can also ask for “light ice” (unless you prefer lots of ice). Ice is usually filled up much more than is necessary to keep the drink cold, limiting the volume of space the barista can fill the cup up with your favorite coffee drink or tea. Having light ice will give you more bang for your buck because you’ll be getting more of your drink, while still keeping it nice and cold.

9. Be specific about your syrup

I love the occasional PSL or Vanilla Latte as much as the next girl, but did you know that a Tall with sweetener has three pumps of syrup, a Grande has four pumps, and a Venti has five or six pumps? Just one pump is about 20 calories and 5 grams of sugar… are you keeping up with this math? That means just a Tall has 15 grams of sugar in the syrup alone. I don’t even want to think about how much is in a Venti! Asking for either one or two pumps per drink still gives the same flavor (we need that pumpkin spice!!) and sweetens up your drink, but if you order a Grande Vanilla Latte with two pumps vanilla syrup, you’d be saving 40 calories and 10 grams of sugar, for not much difference in taste.

10. Ask for a sample so you never get a drink you dislike again!

I don’t know about you, but I usually stick to the usual iced coffee, just so I don’t risk getting a drink that I end up not liking. But oh the possibilities out there in the Starbucks universe! Unless the store is super busy, the barista should be totally fine getting you a sample of a certain brew or drink, if you’re unsure whether or not you’d like it.

11. Know all the sizes

Thought “Tall” was the smallest? Think again — “Short” is an 8oz size (“Tall” is 12oz), which clarifies that age-old confusion that “Tall” was the smallest size, when it counterintuitively sounds like the largest — it’s because “Short” is the size smaller. Clears up a lot, doesn’t it? If you’re in the mood for a small drink, Short is cheaper than a Tall. The “Short” cappuccino has the same amount of espresso as the “Tall,” so if caffeine is your goal, opt for the cheaper options.

12. Are you and a friend both getting a Frappucino? Get one Venti!

A Venti size of your favorite sweet iced drink is about 24oz, while a Tall is 12oz. However, a Venti frappe is significantly cheaper than two Tall frappes would be (about $4 less, precisely). So instead of getting two, order the Venti size and ask for two Tall cups. Divide accordingly, and enjoy your frappucino with your friend, knowing you both saved money.

13. No time to wait in line? Order through your cell phone!

Using the Starbucks Mobile app, you can order ahead of time, and just go pick it up. No more waiting in long lines for your coffee! We’re busy women — we have much more important things to do.

This article was originally published on The Everygirl.com.

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RAK Movement – Random Acts of Kindness – some choices

  1. Wardrobe overflowing? Donate clothes to a charity
  2. Send flowers to a friend or a family member!
  3. Gift someone something they complimented you for
  4. Save water – turn the tap off when brushing your teeth!
  5. Support a small, local business as a customer
  6. Know someone who is not coping very well? Give them a call
  7. Treat a friend – buy them lunch!
  8. Apologise to someone you may have hurt
  9. Make an effort to get to know someone you don’t usually talk to
  10. Help someone academically – lend them your study notes
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Random Idioms generated: Boost Creativity

No Good Comes From A Favor.

Yes. very true. All that we offer Pro-Bono or free has no value for people who are so Pricey!

Float Like A Brick.

Hmmm…. Not with anger on mind though – Make dream castles – that’s alright.

That’s Swimming Against The Tides.

Which is cool if you are an expert swimmer!

A Light In The Night Is A Night Without Fright.

Nostalgia of my childhood. But later i learnt to walk in the dark, living in the village huts for 3 years – I came closer to the nature.

Glue Doesn’t Stick To Everything.

WOW! That’s a cool Idiom worth using.  A Mentor can prove to be a Tabula Rasa for the Mentee with sparks of Brilliance and Reverse mentoring/ NLP practice 🙂

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RAK Movement- Wednes Random Acts of Kindness – Jay Parkhe

  1. Share your lunch with a friend
  2. Buy more ethically sourced foods
  3. Neighbour’s lawn looking messy? Offer to mow it
  4. Put your phone down and have a conversation with a friend
  5. Feeling inspired? Make a meal for your family or roommates
  6. Help a younger student with their work
  7. Help someone improve, give them constructive feedback
  8. We rarely listen to others – ask someone about their day
  9. No matter how annoying they can be, tell your siblings how much you appreciate them
  10. Make a hot beverage for a friend/family
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YouStory – Startpreneur’s Newsletter

Indians are among the top mobile downloaders in the world for Netflix content: Global Innovation VP Michael Spiegelman

While Netflix has been in India for two years now, with Sacred Games, its first India orginal series, the international online video streaming giant has shown it’s serious about the market. In an interview with YourStory, Michael Spiegelman, Vice President – Global Product Innovation at Netflix, gives us the scoop: the company’s India strategy, learnings from the market, and what lies ahead in terms of content, partnerships, innovations, etc.

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Retirement is the new cool – Jack Ma shows the way

‍CEOs are trailblazers, inspiring us to follow in their footsteps. Publications world over have highlighted their every successful move, but for one: “retiring”. Which is why everyone was amazed to hear that the great Jack Ma was hanging up his boots. The move simply didn’t match the pattern we have been used to seeing. But it is reflective of a small crop of successful people willing to let go at the peak of their careers to explore what else life can offer them.

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Use these 5 test prep apps to ace your exams and achieve your dream scoree

Preparing for entrance exams like GMAT, GRE, CAT, banks, the Railway Recruitment Board (RRB), and the civil services can be stressful. But finding the right study tools and resources can be even more frustrating at times. Daunted by huge entrance prep books? Or just can’t afford them? Whatever may be your reason, these exam prep apps are here to save the day.

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Karnataka to fund 50 idea stage to POC startups this year

Karnataka is serious about its startups and in yet another commitment to the ecosystem, it held Elevate, a startup pitch event for which 650 companies from across the state applied in a bid to gain a grant. Last year 1,700 startups applied to the competition and the government funded 100 companies. The Karnataka government has provided Rs 42 crore for 177 startups so far and has already disbursed Rs 30 crore.

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Elevate: Karnataka pitch platform attracts 250 interesting startup ideas

At the Karnataka government-sponsored startup pitch event Elevate, several startups from hardware, heritage travel, fintech and several other sectors showed the potential to be the next $100 million company. Of the 250 pitches, around 50 to 70 will qualify for a grant from Karnataka. The winners will be declared on September 11. This may have been a Bengaluru event, but there were startups from Hubballi, Tumakuru, Ballari and other districts in Karnataka too participated.

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BabyChakra raises undisclosed funds from Mark Mobius-backed Equanimity Ventures Fund and others

Online parenting platform BabyChakra has raised an undisclosed pre-Series B round from a clutch of investors. BabyChakra plans to use the funds in language expansion of its platform which currently invites over two million families every month to exchange information and tips on pregnancy and parenting. Nearly 70 percent of these visitors are from Tier 2 and Tier 3 towns, making language innovation imperative.

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The #IAmOdisha campaign celebrates its people, innovation, entrepreneurship and achievements

From classical dance to majestic temple architecture, from rich mining reserves and agricultural produce to heavy industries, Odisha continues to be a hotbed of innovation. #IAmOdisha campaign focuses on highlighting that and tells the stories of entrepreneurship, innovation, and drive while inspiring people to showcase their own. The “I Am Odisha” campaign will culminate in a grand finale at the Make in Odisha Conclave 2018 (MIO) in Bhubaneswar that commences on November 11th 2018.

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Creativity: Random Phrases generated for the day, predict the day ahead.

  1. Wake Up Call Meaning: An occurance of sorts that brings a problem to somebody’s attention and they realize it needs fixing.  Just wondering, how many wake up calls one needs? One per day?  For those day dreaming? Multiple times a day:) 
  2. Like Father Like Son Meaning: Resembling one’s parents in terms of appearance or behavior. Hmmm…. Appearance is OK. Behavior – may be not! 🙂
  3. In the Red Meaning: Losing money. Being in debt.  But the people in Red so get habituated of high living and dependence on others money – they seldom come down from their high horses. 
  4. A Chip on Your Shoulder Meaning: Being angry about something that happened in the past. Yes. It happens to me all the time. Difficult to let go of the past. 
  5. Mouth-watering Meaning: Delicious; something that looks or tastes appetizing.
  6. Foaming At The Mouth Meaning: To be enraged and show it.  Ha Ha ha – I do it without foaming at the mouth – I type! 
  7. Cry Wolf Meaning: Someone that calls for help when it is not needed. Someone who is lying.  Hmmm… many recent cases of false alarms responded – leading to waste of time and going into a spin unnecessarily. 
  8. Easy As Pie Meaning: Something that is easy.  Nothing is? Is there anything easy at all?
  9. Tough It Out Meaning: To remain resillient even in hard times; enduring. Tough minded optimision, grit, determination and a firm commitment – yes, that’s what it is for me. 
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Creativity and looking back at the Random Phrases generated this morning.

  1. Fight Fire With Fire Meaning: To retaliate with an attack that is similar to the attack used against you.  Used judicially, without impulse and impatience – it is one of the best Tactical play – not a strategic one. 
  2. Drawing a Blank Meaning: Failing to recall a memory. Unable to remember something.  True. I have erased my mailbox and social media of one set of memories and I can truly use the expression ‘Tabula Rasa’ – Empty slate today. Even my memory enhancing tablets may not be able to help now. 
  3. Mountain Out of a Molehill Meaning: One who escalates small things and turns them into big problems. Hmmm… but frankly, barring cleaning of my Mac I did not face such issues. 
  4. Roll With the Punches Meaning: To tolerate or endure through the unexpected mishappenings you may encounter from time to time.  Yes. a phase is over. Hopefully. 
  5. Curiosity Killed The Cat Meaning: Typically said to indicate that any further investigation into a situation may lead to harm.  Who can agree more? Me the HyperCurious, HyperCritique, HyperScaler, HyperMentor?  I have faced this and overcome this. 
  6. Top Drawer Meaning: High quality, exceptional; something that’s very valuable.  What is more important in life than LOVE?  Nay, not money. 
  7. Playing Possum Meaning: Pretending to be dead, or to be deceitful about something. No. Not my nature but people promising to do and not doing – I have seen plenty. Lack of integrity.  Even simple courtesies to let people know they can not meet or call due to….  etc. etc. 
  8. Happy as a Clam Meaning: The state of being happy; feeling delighted.  Got three more certifications from Udemy today. 
  9. It’s Not All It’s Cracked Up To Be Meaning: Failing to meet expectations; not being as good as people say.  It takes minimum two to Tango – No?  Just asking?
  10. Quick On the Draw Meaning: Performing an action with the greatest of haste.  When procrastination takes over, self medication, self harm and self-sabotage starts. Drugs, Alchohol and other addictions begin to take over the brain and one flips into an endless abyss.  It is sad but true. 
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Startpreneur’s Fav. My fav newsletter

Monday Wrap | 17th September

Ring in the future: Lazy Co wants you to control your world with its smart wearable

How do you ring in the future? Lazy Co wants you to control your world with its smart wearables. Aina, a premium AI-powered smart-ring, is many things – a smartphone, a fitness tracker, a smart home remote, and a timepiece. It offers an easier, faster way of doing certain tasks, including making calls and talking to friends. And to boot, it’s stylish too!

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A sector-agnostic focus helps Mumbai-based Grab ensure last-mile delivery

With online delivery steadily gaining importance in our daily lives, the delivery boys working in these companies play an important role. A sector-agnostic focus helps Mumbai-based Grab ensure last-mile delivery. Founded by Prathish Singhvi, Nishant Vora, and Jignesh Patel, the startup offers same-day and on-demand delivery services.

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This Delhi-based student housing startup promises to give you Your Space

Launched in 2016, this Delhi-based student housing startup promises to give you Your Space. Founded by Karan Kaushik, Shubha Lal, and Nidhi Kumra, Your Space hosts 1,200 beds in 11 hostels, with an average occupancy rate of 80-85 percent. The company, which targets undergraduate and post-graduate students, has a 30-member team.

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Policy paper and a proposed regulatory framework for blockchain and cryptocurrency in India

Can the “blockchain good, crypto bad” ideology work? To find out, download the report “Realising India’s Blockchain Potential” that puts light on issues related to Blockchain and creates a dialogue between regulators and the blockchain community in India.

Download now

High energy costs? Try a Minion, which uses AI to track and cut down your electricity bills

High energy costs? Try a Minion that uses AI to track and cut down your electricity bills. Bengaluru-based MinionLabs has designed a smart energy device that uses Machine Learning (ML) and deep learning techniques and leverages AI to disaggregate, track, and analyse a building’s electricity consumption.

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NASSCOM Design4India Design Summit 2018

NASSCOM Design4India Design Summit 2018 will take place on 26th September 2018 at JW Marriott, Bengaluru. The 3rd edition aims to bring together industry experts from the design and tech community to network and discuss how emerging technologies, when aligned with design can create better user experiences.

Register now

Same taste, same flavour – that’s Haazri’s promise for your daily chai

Karan Shinghal, Arjun Midha, and Dhruv Agarwal have come up with a unique recipe, and process, so that your tea tastes the same, every time. That’s Haazri’s promise for your daily chai! Started in April 2016, Haazri’s tea is priced at Rs 20 a cup, and the team uses a standardised recipe across its five outlets, using tea leaves sourced from Dibrugarh.

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Mumbai-based Agrahyah Technologies is riding the voice and vernacular wave on the internet

Founded in October 2016 by Sreeraman Thiagarajan, Uppal Shah, and Rushabh Vasa, Mumbai-based Agrahyah Technologies is riding the voice and vernacular wave on the internet. The software firm and content producer rolled into one is building a suite of apps, websites, content platforms, and voice-based products for India’s vernacular population.

Read more

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RAK Movement- Wednesday Random Acts of Kindness – Jay Parkhe

  1. Make a conscious effort to recycle
  2. We all love surprises! Buy someone an unexpected gift
  3. Surroundings looking messy? Tidy up the area around you
  4. Bake something for your family/friends
  5. Know someone who is not coping very well? Give them a call
  6. Buy someone a coffee
  7. Reconnect with your grandparents or an elderly person you know – give them a call!
  8. Make your voice count – sign a petition for a good cause
  9. Put your phone down and have a conversation with a friend
  10. Support a small, local business as a customer
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Good morning. My Random Phrases generated for today :)

  1. Cup Of Joe Meaning: A cup of joe is an American nickname for a cup of coffee. The best of Bengaluru is in morning walks and wonderful Morning Cuppa of sugarless filtered Kaapi ! WOW! 
  2. Dropping Like Flies Meaning: To fall down ill or to die in large numbers. NOPE. Shouldn’t happen.
  3. Break The Ice Meaning: Breaking down a social stiffness. Hmmm… Some progress. 
  4. I Smell a Rat Meaning: A feeling that something is not quite right, or awry.  I know. This is a feeling all the time in some relationships, some situations. Must be careful. 
  5. Back to Square One Meaning: To go back to the beginning; back to the drawing board. I am planning for a long time to begin drawing and painting. May be today is a good day to restart. 
  6. Mountain Out of a Molehill Meaning: One who escalates small things and turns them into big problems. Let’s wait and see how the day progresses. 
  7. Beating a Dead Horse Meaning: To bring up an issue that has already been resolved. Some issues with closure problems always recur as honesty, integrity, Authenticity and lack of it makes them resurface again and again. 
  8. Elephant in the Room Meaning: Ignoring a large, obvious problem or failing to address an issue that stands out in a major way. This is one problem I notice with most mentees.  I read today that Disruption is Dead and HyperScalability is the IN thing. The Revenue Generation and the process required to do this and have the right Business Hacker mentors is an issue most startups face these days. 
  9. Right Off the Bat Meaning: Immediately, done in a hurry; without delay.  I am superfast as my mind talks to my fingers and they translate my thoughts thru the keyboard .
  10. Happy as a Clam Meaning: The state of being happy; feeling delighted. At one level YES.  very happy. On another I still believe that Things have a tendency to average out by day end.

These phrases sometimes set the tone for my day and invoke creative juices, new ideas, thoughts and sometimes prose, sometimes verses flow 🙂

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Branding led by HR KATHA – STORies and Katha Kahani way – very interesting

Home New Features People Special Invitation Know Reach Events Resources Hr Jobs
In a multicultural setup, the Company has managed to ensure that the entire workforce imbibes the same values, in all aspects of work, which has also resulted in their longer innings.
Cognizant shows the way with ‘skills premium pay’
The Company offers its digitally up-to-date resources generous remunerations, based on their expertise.
Falling rupee brings down international packages at IIM Ahmedabad
Domestic offers have seen a considerable rise, with the highest annual package offered being Rs 72 lakh.
PepsiCo goes ‘location-free’ to retain talent
Even local employees can take on global functions without moving out of the country
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Creativity: Random Phrase generator for the day and how I foresee the day to progress…

  1. Birds of a Feather Flock Together Meaning: People tend to associate with others who share similar interests or values. Have to find more and more likeminded people going forward that people poles apart.

  • Rain on Your Parade Meaning: To spoil someone’s fun or plans; ruining a pleasurable moment. No. Not happening. Won’t do that.

  • Hit Below The Belt Meaning: A boxing term. Also often used to refer to inappropriate words, or comments that are too personal. NEVER.

  • Poke Fun At Meaning: Making fun of something or someone; ridicule. Not happening, I am in a learning mode. Learnt a bit of self=hypnosis on Udemy and will try and find internal peace. have a Heavy head though 🙂

  • Quality Time Meaning: Spending time with another to strengthen the relationship. Yes meeitng coming up. started a new startup too.

  • Fool’s Gold Meaning: Iron pyrities is a worthless mineral that resembles gold. May write another poem today on this topic.

  • Tug of War Meaning: It can refer to the popular rope pulling game or it can mean a struggle for authority. Have no tug of war situation except one tough pricing negotiation coming up tomorrow..

  • Curiosity Killed The Cat Meaning: Typically said to indicate that any further investigation into a situation may lead to harm. I think enroling in 58 couses on Udemy is ENOUGH !

  • Throw In the Towel Meaning: Giving up; to surrender. No. Never. Not happening.

  • Eat My HatMeaning: Having confidence in a specific outcome; being almost sure about something. Yess. Will begin teaching SCM Logistics course again and take up paid coaching/ mentoring assignments for Branding/ Hyperscaling of startups.
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Random Phrases today with Creativity boosters for the day.

Great Sunday.  5th meeting of Toastmasters in 3rd Club of Bangalore. Young, vibrant crowd mixed with some bearded oldies and middle aged Techies.

  1. Love Birds Meaning: A pair of people who have a shared love for each other. No. did not happen. Day of course, began different. 
  2. Jaws of Death Meaning: Being in a dangerous or very deadly situation.  No. Not really. Saw a Premier movie for a while but did not experience it 🙂 
  3. Two Down, One to Go Meaning: Two things have been completed, but there is one more that has yet to be finished. Yes. Today’s short walk left the Udemy course study unfinished for the day .
  4. No Ifs, Ands, or Buts Meaning: Finishing a task without making any excuses. Experienced this later in the day with two Excuse Masters cleverly negotiating with each other. 
  5. Right Off the Bat Meaning: Immediately, done in a hurry; without delay. Yes. without any inhibition responded emails and gave guidance to even a mail marked FYI 🙂 🙂 . Lessons repeated in Communications. 
  6. Break The Ice Meaning: Breaking down a social stiffness.  Great speeches by two youngsters and one International Humorist champs at Toastmasters. The breaking the ice speech was literally great. 
  7. A Chip on Your Shoulder Meaning: Being angry about something that happened in the past. Yes. I still carry one anger chip on my shoulder. 
  8. Shot In the Dark Meaning: An attempt that has little chance for success.  no like hope taking shot in the dark is not part of my strategy. 
  9. Let Her Rip Meaning: Permission to start, or it could mean ‘go faster!’  If the brainfog is gone and wiser sense prevails – you don’t need any permission. 
  10. Wake Up Call Meaning: An occurance of sorts that brings a problem to somebody’s attention and they realize it needs fixing.  Hmmm… will wait and watch though. 
  11. Keep Your Shirt On Meaning: Keeping calm. Usually said by someone who is trying to avoid making others upset.  Yes. even while in an angry tone, try not to rant. 🙂
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From Inc42 newsletter for Starpreneurs.

Inc42 Logo
Morning Briefing (9 Min Reading Time)
Top news & stories of the startup ecosystem from India & around the world
New Delhi-based Imagismart Solutions, which runs an educational subscription activity box for children under the brand name Xplorabox, has raised an undisclosed amount in a Seed funding round. Z Nations Lab, Sridham Enterprises, and US-based investment fund Metaform Ventures.
Media reports have surfaced that Flipkart has held talks to buy a stake in Star India’s video streaming service Hotstar to bet big on video content and attract more Internet consumers and shoppers. Even though the talks have not reached an advanced stage, the deal may or may materialize.
The talks with BigBasket are at a nascent stage and Grofers continues to scout for new investors, and it’s unclear who will run the merged entity if the deal is finalised. However, reports further claim that Grofers has a term-sheet from a strategic investor, which is conducting a due diligence.
Fact sheet by Inc42 Datalabs.
In this edition of Startup 101, we bring to you the answer to this all-important question — where can I find angel investors? The decision is largely based on who suits the needs of your business better.
There are no signs of Hike trying to monetise its offerings. At the same time, the company’s active user base is also falling. Thus, Inc42 Datalabs decided to delve into Hike’s financials and brainstorm the reasons for its failings as part of Inc42’s ongoing series What The Financials [WTF].
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Twitter  will now put live streams and broadcasts started by accounts you follow at the top of your timeline, making it easier to see what they’re doing in realtime. In a tweet, Twitter said that that the new feature will include breaking news, personalities and sports.
For the Model 3, the more affordable, backlogged sedan, a red “multi-coat” paint job went up to $2,500 this weekend. It used to be $2,000 for the red color. As Electrek pointed out, when the Model 3 was first produced red cars were available for $1,000.
Snap’s stock price hit an all-time low as a public company this week, closing last Friday under $10 per share — more than 60 percent below the company’s first day of trading 18 months ago.
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How Behavioral Economics Could Help Reduce Credit Card Delinquency

How Behavioral Economics Could Help Reduce Credit Card Delinquency
Nina Mažar
JULY 26, 2018
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With U.S. household credit card debt at an all-time high of more than $1 trillion, delinquent payments can be more costly than ever. For companies, delinquencies can mean massive collection costs and write-offs of entire accounts. For consumers, delinquency can mean late fees, increased interest rates, downgraded credit scores, the loss of vehicles or homes, or even bankruptcy, despite their intentions to bring their accounts current by making a payment large enough to satisfy their credit card balance. Recent research indicates that simple modifications of automated phone prompts provide an inexpensive way for companies to help consumers make good on their intentions, benefiting both parties.

My colleagues Daniel Mochon and Dan Ariely and I collaborated with a large North American store that offers credit cards, aiming to study how to get recently delinquent customers to pay at least a portion of their balance. These are customers who have just missed paying at least their minimum payment and are therefore considered one month delinquent. Most credit card companies, including our collaborating card company, use interactive voice recordings (IVRs) — large-volume automated phone calls — to remind early-stage delinquent customers to pay. This assumes that there are only two groups of delinquent customers: those who are unable to pay and those who simply forgot. To take care of those who forgot, a short automated reminder is thought to suffice: “[Customer name], you have a past due amount. If you have already paid, press 1. If you are going to pay within the next three days, press 2. If you want to speak to an agent, press 3.”

However, we know from many other domains of life that people can have the best of intentions but fail to follow through on them. For example, many of us intend to save more money, live a healthier lifestyle, or start working on our taxes early instead of at the last minute. But life gets in the way; we procrastinate and end up not doing what we intended to do. My colleagues and I thought that this might also be true for some of the delinquent credit card customers. So we tested two separate modifications to the baseline IVR to see if they would help overcome this type of inaction in the case of recipients who indicated they would pay within the next three days.

Our first modified version added an interactive menu level that asked call recipients to select a concrete timeframe within which they would make their payment during the ensuing three days: “If you are going to pay within the next 24 hours, press 1” and so on, continuing through 36, 48, and 72 hours. We expected this intervention to prompt deeper mental engagement that would help them remember their intention.

Our second modified version added yet another interactive menu level right after this new one. Call recipients were asked to take a personalized pledge: “[Customer name], you have committed to pay [total amount due] within the next 24 hours. Press 1 to confirm your commitment to this pledge.” The idea was to strengthen call recipients’ sense of commitment to their expressed intention.

Over nine months we randomly assigned a small subgroup of the company’s early-stage delinquent customers, around 50,000 people, to one of the three IVRs. We found that compared with the baseline IVR, the prompt with the concrete timeframe increased customers’ likelihood to pay by 2.26 percentage points and led them to pay 0.23 days faster. Adding both the concrete timeframe prompt and the pledge increased the likelihood by 2.54 percentage points and the speed by 0.51 days.

What does this mean in dollars? The people in our small subgroup had a mean total amount due of $142. Some 15,000 indicated they would pay within the next three days. If all 15,000 had received the IVR with the timeframe prompt and pledge, instead of the baseline IVR, the improvement in response would have translated into an increase in immediate revenue of more than $56,000.

When scaled to a credit card company’s entire customer population, these interventions could result in significant revenue increases. Moreover, additional customers become delinquent every day, increasing the long-term revenue benefits of such interventions. In addition, they cost little, they scale easily, and they reduce more-costly later-stage collection efforts, which can include letters, live agent calls, and collection agency fees. Meanwhile, consumers benefit from avoiding the costs associated with debt delinquency.

These results demonstrate that even simple, minimal prompts delivered through automated, high-volume IVR calls can bridge the intention-action gap that so often prevents people from completing beneficial behaviors. Asking people to express their intentions more precisely about when they will act and to take a pledge could work in areas ranging from tax compliance to medication adherence to students’ procrastination on assignments. More generally, the results affirm that applying behavioral insights has great potential for increasing economic and individual well-being at low cost, as the recent work of Daniel Kahneman, Steven Levitt, Cass Sunstein, Richard Thaler, and others has shown.

Nina Mažar is Professor of Marketing and Co-Director of the Susilo Institute for Ethics in the Global Economy at Questrom School of Business, Boston University, and co-founder (with Dan Ariely) of BEworks, a behavioral economics consultancy.

via How Behavioral Economics Could Help Reduce Credit Card Delinquency

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RAK Movement- Thursday Random Acts of Kindness – Jay Parkhe

  1. Feed a stray animal if you spot one
  2. Surprise your parents with flowers
  3. Buy more ethically sourced foods
  4. Surroundings looking messy? Tidy up the area around you
  5. Say good morning/afternoon/evening to a stranger
  6. Help a younger student with their work
  7. Make someone a cup of coffee
  8. Send a thank you card to someone who has made a difference in your life (a friend, family member, teacher etc.)
  9. Make amends with someone you may have wronged
  10. Someone looking lost? Help them with directions
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Startpreneurs Fav Newsletter from Inc.42 I like this.

Morning Briefing Top news & stories of the startup ecosystem from India & around the world
12 Min Reading Time
The National Anti-Profiteering Authority has directed the director general, audit, to conduct an audit on the ecommerce companies (like Amazon, Myntra) to check if the excess tax collected after the GST Council slashed tax rates, has indeed been refunded to the customers.
The survey was conducted over a period of six months and included 100 developers. The key reasons cited for the brain drain was – the lack of “robust regulatory framework” in the country on blockchain technology, among others.
With the latest funding, PaySense aims to tap into the emerging middle class of India and is also looking to hire more people to strengthen its tech and data analytics team. Till date, the company has raised $25.6 Mn, from investors like PayU, Nexus Ventures, and Jungle Ventures.
Fact sheet by Inc42 Datalabs.
Share this fact sheet with friends on Facebook or Twitter or Linkedin or WhatsApp
We’ve kept you updated on the major stories of the Indian startup ecosystem throughout the week. Now it’s time to catch up on the important updates in the tech and startup ecosystem from around the world.
Sanjay Nath and his co-founder Karthik Reddy, who established Blume Ventures in 2011, have been busy. A couple of years ago, Blume was trying to raise $30 Mn for its Fund Two and wanted to invest in 35-35 startups. Today, Blume Ventures is working on raising $80 Mn for Fund Three and has already invested in 75 portfolio companies. Find out what Sanjay looks for when he invests in startups and more.
Snapcash ended up as a way to pay adult performers for private content over Snapchat, not just a way to split bills with friends. But Snapchat will abandon the peer-to-peer payment space on August 30th. Code buried in Snapchat’s Android app includes a “Snapcash deprecation message” that displays “Snapcash will no longer be available after %s [date]”.
Sunday morning, SpaceX successfully launched and landed its Falcon 9 rocket, while putting the Telstar 19 VANTAGE satellite into a high orbit above Earth. The mission marks the 13th launch of the year for SpaceX and the 26th successful landing of a Falcon 9 rocket booster.
The blockchain is in the middle of a major hype cycle at the moment, and that makes it hard for many people to take it seriously, but if you look at the core digital ledger technology, there is tremendous potential to change the way we think about trust in business. Yet these are still extremely early days and there are a number of missing pieces that need to be in place for the blockchain to really take off in the enterprise.
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Strange Bio-Rhythms, Random Phrases, creativity and Daily WebLog :)

I believe in Bio-Rhythms. Have done so for over 30 years – ever since I read the book about the research on Bio-rhythms and wanted to buy the Japanese – CASIO watch which showed 3 biorhythms – Physical, Emotional and Intellectual.  They also sold Cards in those days where you can calculate your critical days and avoid major financial decisions, Driving, Flying a plane etc. etc. etc.

It was interesting when I found the Apps on Android and iPhones.  I downloaded and saw a fourth one added – i.e. Intution !   I said, it is getting interesting.  As per initial book if I were to calculate I should have been Dead when I was 58+ i.e. 23 X 28 X 33 days = 58 years, …. days.  I did not believe it. The book also talked about how they scientifically studied the Date of birth and time of birth of the Rail, Plane, Sea, Cycle, Bicycle, Car, Bus and Electrical accidents and deaths.  It appeared scientific and eventhough a Skeptic I said let us give it a try and it has remained with me as a Daily watch every morning before my morning walks – to watch in the phone.

Today was not supposed to be great.  The biorhythm explanation said do and see what Random Phrases turned up this morning.

  1. Hard Pill to Swallow Meaning: Something that’s difficult to accept.  Wife was travelling and I had to cut short my morning walk by 2/3rd to be back home for opening door for the housemaid. 
  2. Yada Yada Meaning: A way to notify a person that what they’re saying is predictable or boring.  I recall having done this a few days ago and quite harshly using all the bitterness and venom in my brain flowing thru my fingers and typing.
  3. Money Doesn’t Grow On Trees Meaning: Suggests that money is a resource that must be earned and is not one that’s easily acquired. True enough, nothing worth challenging the statement but which tree to plant is a question came to my mind as I am seriously thinking of joining some Kisan Morcha of a political party and fight for their rights. 
  4. On the Same Page Meaning: Thinking alike or understanding something in a similar way with others.  Not happening with me for few months. I am too much of a challenger this year and have broken off with many due to differences, attitudinal issues or having met simple INGRATES and suckers and some who were a disgrace to the word MENTOR.  
  5. No-Brainer Meaning: Anything that requires minimal brain activity to accomplish.  Yeah, Yeah, Yeah,  I recently heard a speech and to a longwinded un=stupid question ( questions are never stupid – answers are) the speaker could not properly respond.  I thought of C A P – Common sense, Alert response, Presence of mind  – if this was used by the old man = A DTM ( toast masters lingo)  he would have been better off.  
  6. Read ‘Em and Weep Meaning: Often said by the winner in poker, as the others ‘weep’ over the loss.   No. Not happening. I am playing for negotiation, accent, agreement these days perforce. 
  7. Jumping the Gun Meaning: Something that occurs too early before preparations are ready. Starting too soon.  May be, I should have waited for the 500 words contest write up submission till the last date but I just sent it.  I also sent an article 3 months before the magazine is due to be published on the occasion of an International conference in which the organisers wish to invite me.  
  8. Dropping Like Flies Meaning: To fall down ill or to die in large numbers.  We had this with our relatives family when every one fell sick couple of weeks ago. Mumbai weather made me sick too.
  9. Goody Two-Shoes Meaning: A smugly virtuous person.  I met one recently, was introduced by a friend, highly recommended but the guy was so snooty, SOB and highhanded – he did not even offer to shake hands.  I said F. Off!  
  10. Fish Out Of Water Meaning: Someone being in a situation that they are unfamiliar or unsuited for. Not seen this yet, but the Astrologer friend’s remark about a foreign proposal that it will be below dignity if we accept was intriguing.  Need to probe him further.

So overall still an interesting day.

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4 Rules For Startrepreneurs – Practical Tips For Starting Right

Word Count:
424

Summary:
Itís a great time to be startpreneurs in the last decade, technology has leveled the playing field and propelled an entrepreneurial revolution. As an startpreneur, you now have more access to information that enables you to make more intelligent choices more quickly. You have an advantage over big businesses in that youíre lighter, more flexible, and faster on your feet. You can target new markets more quickly, and you can turn on a dime.
Keywords:
Product,sourcing,ebay,ecommerce,dropship,ebiz,entrepreneur,blog
Article Body:
It ís a great time to be an entrepreneur in the last decade, technology has leveled the playing field and propelled an entrepreneurial revolution. As an entrepreneur, you now have more access to information that enables you to make more intelligent choices more quickly. You have an advantage over big businesses in that youíre lighter, more flexible, and faster on your feet. You can target new markets more quickly, and you can turn on a dime.

But being a successful entrepreneur requires that you look at the big picture and follow a plan through from beginning to end. Rieva Lesonsky, editor-in-chief of Entrepreneur Magazine gives some practical guidelines that can help you when beginning your own enterprise:

1.Don’t Quit Your Day Job.
Consider starting your business part-time, especially if it’s online, while youíre working and have a steady income. It usually takes six months to a year to get a business going and you donít want your ability to make your house payment to hinge upon your company being an overnight success. Start with what you can manage, financially and time-wise, and scale up as your business grows.

2.Find Your Niche.
The days of general stores are over. Particularly online, consumers are looking for stores that specialize. You have to find a needósomething a specific group of people want, but canít get at the big chain storesóand fill it. Advises Lesonsky, ìYou canít compete with the big guys, so you have to find where the big guys arenít and go into your niches.î

3.Have an Online Presence.
Even if youíre not planning to start an online retail business, consider that the internet can still play a valuable role in your company. Having an online presence eliminates the limitations of physical location and broadens your customer base by, literally, millions. Itís also a great tool for promoting yourself and letting people, even in your own area, know that youíre there, and what youíre doing.

4.Refuse to Quit.
Successful entrepreneurship requires creativity, energy, and a drive to keep going when you fail. Few people realize that before Bill Gates created the extremely successful Microsoft 3.0, he created a Microsoft 1.0 and 2.0, both of which floppedóbut he kept at it. And that determination and refusal to give up is what will separate successful entrepreneurs from unsuccessful ones. Arm yourself with optimism to get beyond the #No1 or the trouble. There’s nothing wrong in failure just don’t repeat the same mistake!

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RAK MOVEMENT – Random Acts of Kindness today.

  1. Be someone’s shoulder to cry on
  2. Fight climate change – go vegetarian for today!
  3. Make someone’s day – tell a friend why you appreciate them
  4. Bake something for your family/friends
  5. Feed a stray animal if you spot one
  6. Go out of your way to thank someone today!
  7. Say good morning/afternoon/evening to a stranger
  8. Lend a friend a book you think they’d like
  9. Is that litter on the floor? Pick it up and bin it
  10. Smile at 3 people today
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Random Acts of Kindness.

  1. Make someone’s day – tell a friend why you appreciate them
  2. Old laptop or mobile lying around? Donate it
  3. Make someone a cup of coffee
  4. It’s hard to stay connected – reach out to an elderly person you know
  5. Give up your seat on the tube/bus
  6. Help a younger student with their work
  7. Write a complimentary note for someone
  8. Make a hot beverage for a friend/family
  9. Plant a seed
  10. Reconnect with your grandparents or an elderly person you know – give them a call!

Random Acts of Kindness

Author Anne Herbert coined the phrase “Random acts of kindness and senseless acts of beauty,” basing it on the all-too-commonly used “random acts of violence and senseless acts of cruelty.” The idea has caught on, but there are times when you shouldn’t be practicing acts of kindness. So, before we look at why you should practice them, let’s be mindful of two reasons why you shouldn’t do so:

  • Self-aggrandisement and publicity.That’s right! No selfies when you give that homeless guy food!
  • Getting in the way of emergency services (although your intentions are good). In situations where emergency services are already active, ask how you can help instead of just diving in head-first.

Lastly, let’s not forget that charity begins at home. Unexpectedly helping a friend or family member also counts. The person you help needn’t be a stranger. Now that we’ve got beyond the caveats, let’s look at some reasons why you should practice random acts of kindness.

You genuinely get to help, even if it’s only in a small way

This one’s a real no-brainer. You aren’t being kind if you aren’t helping. By helping someone else, even if it’s only holding a door open, smiling at someone or offering to carry shopping bags, you have genuinely helped. The person you’ve been kind to feels more valued, and who knows? There could be a knock-on effect.

Make others feel good

There are a lot of sad, lonely or depressed people out there. Even if the person you help wasn’t feeling down, you’ll make them feel good. If you’re truly a kind person, this will be one of your prime reasons for practicing random acts of kindness.

Feel good yourself

Although this shouldn’t be the reason why you are kind to others, it will be an inevitable consequence. Psychologists point out that as social creatures, helping others satisfies a very deep need within our psyche. It’s instinctive and inevitable. Your self-esteem will improve because you’ll feel like a “good person.” You may even find yourself smiling to yourself when you think about some act of kindness you’ve carried out or are planning.

Build stronger relationships

When you practice kindness as a habit, and do things you don’t have to do to help people you know, you’ll build stronger relationships. If you are ever in a disagreement or do something silly that isn’t helpful at all, you’re far more likely to be forgiven.

Change someone’s life for the better

You never know when something kind that you do will change someone’s life for the better. I recently read a story about a drug addict who lived on the streets and was always treated like filth. One day, he received a small act of kindness from someone, and it made him realize that he still had worth as a human being. He went on to quit drugs, and later became a motivational speaker. Even a small act of kindness can have very powerful, even life-changing, effects.

Give, and you never know, you may receive when you need it most

I’m not sure if we should believe in instant karma, but one thing is certain: when you help others, they become more willing to help you. Since we all go through difficulties at some point in life, that help can prove to be more important to you than you would ever believe.

Others will pass it forward

Kindness is catching. Has someone ever made your day, and you spend the rest of it spreading the sunshine? That’s what I’m talking about!

You’ll become less judgmental

This is a tough one, but when we start seeing people as human beings and not as “labels” like “worthless drug addict,” a “homeless wastrel” or “sourpuss,” we feel a lot better. Everyone has their own problems, and whether they are to blame for them or not, it’s not our place to judge them. Make a point of helping someone you don’t really like. It’s good practice.

Life will have more meaning to you

If you’re forever planning acts of kindness, or grabbing opportunities to help those in need, you’ll be eager to see what each new day will bring.

Make the world a better place

Imagine if everybody in the world was kind to others. What a wonderful place the world would be! You can’t force others to be kind, but you can do your best, and the kindness contagion will spread. Whether you can help in large ways or small, do what you can to build the momentum.

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RAK Movement- Friday Random Acts of Kindness – Jay Parkhe

  1. Treat a friend – buy them lunch!
  2. Empty your wallet for charity
  3. Give up your seat on the tube/bus
  4. Make someone’s day – tell a friend why you appreciate them
  5. Buy more ethically sourced foods
  6. We all need help sometimes; offer someone a helping hand
  7. Save water – turn the tap off when brushing your teeth!
  8. Remember that family member you haven’t seen for a while? See how they are doing
  9. Help someone struggling with heavy bags
  10. Feed a stray animal if you spot one