A MAGAZINE FROM THE GOPAST CENTRE FOR LEARNING

Inscriptions 25
TRUTH STAYS FOREVER

PANNEL 2 WALL 7
 AUTHOR
TOPIC CATEGORY PAGE NO:
MR/MS

SCULPTOR
1 EMOTIONS MOTIVATION R.GOPINATH 4
INSCRIBES

ESSENTIALS MUST BE INSULATED

2 GURUS SPEAK R.GOPINATH 17
FROM RISK

NEED FOR ADEQUATE LIFE CATERPILLAR

3 CHINTAN BHATT 22
INSURANCE SPACE

CATERPILLAR
4 FUTURE EVENTS V RAMALINGAM 26
SPACE

PROUD OF BEING
5 CYCLIST MS PRIYA DHABALIA 31
ASSOCIATED

A MODEL TEACHER MRS PROUD OF BEING

33
VIJAYALAKSHMI ASSOCIATED

PROUD OF BEING
MR KABILAN THE YOGA EXPERT 35
ASSOCIATED

GALLERY AND NEWS 38

SCULPTOR INSCRIBES

R.GOPINATH
 R.GOPINATH
gopinathr@go-past.com
www.go-past.com

Who is the master of your destiny?

When I raise this question in seminars, I get an overwhelmingly loud answer: We, Ourselves.

So let’s try answering this question once again, but in the correct order.

Q. Who is the master of your destiny?

A. Your Actions

Q. Who is the master of your actions?

A. Your emotions.

Q. Who is the master of your emotions?

A. You.

In that sense, you are the master of your destiny.

If you can understand this sequence well, then you will be able to create a future that you would
like, or else you will live the life that was handed to you.

Have you ever postponed a job, which you decided to do right then?
I always get a loud response from the audience, “Many times”; some even say, “Most of the
times”; I even hear voices that say “Every time”

When you know that you need to do a job, why would you postpone it?

If your emotions are against you in doing that job, you will postpone it.

For example:

A sales man has to make calls in order to get appointments, to meet his prospects. If he is afraid
of calling people or its consequences, he would postpone calling the prospects and instead
engage himself in other tasks to prove to others/himself that he is busy so he doesn’t waste time

In a department, one employee is causing a rift in the team. He utters hurtful words and insults his
colleagues often.The manager of the department makes a note to speak to him in the office about
improving his behaviour one day. But after reaching the office, he got busy with some calls, a few
letters and some meetings. By late evening, when it was time to leave, he thinks that he will have
the “talk” with the employee “tomorrow”

A father thinks that he would talk to his son today to advise him about improving his behaviour.
The boy comes home late at night and wakes up in the afternoon most days. He needs to get
serious about his studies and his career ahead; but he doesn’t talk to him that day, and this has
been the case for many days.

Why are they not doing what they need to do? Don’t they KNOW it is important to do it?

More than knowledge, their emotions are playing a key role here.

Have you ever done something which others are hesitant to do?

Yes.

When your emotions support your actions, you will do it instantly.

Emotions, it’s an endless list. But there are some primary emotions which play a significant role in
our lives.

1. Happiness 2. Sadness 3. Fear 4. Courage 5. Surprise 6. Disgust

Where do these emotions come from?

Are they present in the atmosphere and suddenly engulf us?

Or are they present inside us and suddenly spring out? We will find answers to these questions
shortly. But before that let us find out some uses of these emotions.

We cannot imagine a life without emotions. It’ll be dull and frustrating. “Oh my God even that is an
emotion!”

Emotions can move mountains; in fact most of our potentials are leveraged or contained
because of our emotions.

Let me give you an example. A girl 12 with her brother 7 were collecting twigs in the woods,
suddenly, she saw a leopard spring at her brother; she screamed and she hit the animal with a
stick she had in her hand. The movement was so sudden and visibly violent that the animal ran
away into the bushes. By then people had come around and they brought the children back to the
village. The girl doesn’t even remember how she reacted. It was her brother that told the villagers
what happened.

In a corporate world, a young CEO had earned the name of a good negotiator. During a crucial
deal discussion with a foreign vendor, he lost his cool. The vendor had mentioned something
about the quality of the product and the young CEO felt it was a snide comment. He yelled at the
foreign vendor and the deal did not materialise. The CEO used words that were much below his
standards and his own team members were shocked; few were even scared.

Both the above incidents prove the statement, “Emotions can move mountains; in fact, most of
our potentials are leveraged or contained based on our emotions.”

What is the starting point of these emotions?

One of the major functions of the human mind is “prediction”. It looks for the “next scene”. This
process is extremely fast.

Look at this picture and write a few lines about what you see here.

Recently I was interacting with a group of medical professionals. The group doctors, nurses,
counsellors, para medics and a few assistants. II presented them with the above picture and
asked them to pen down a few lines.

Take a look at some of the lines written by the participants:

• The apple looks fleshy and juicy.

• The apple will be cut using the knife kept by its side

• The pieces will be kept in the dish and served.

• I wish I had this apple with me

• It looks to be a very sweet apple

• should be careful with the knife, seems to be very sharp

• Somebody, please bring tissues.

• One participant drew this picture in her paper

The mind races, creating scene after scene. Prediction is a source of emotions.

Look at the picture below:

The boy takes one look at the Dog and his mind starts predicting. Based on his predictions, he
generates different emotions from within.

The dog might bark »»»» Fear

Barking might be terrifying »»»» Fear

The dog is going to pounce on me »»»»» Fear

The dog has a leash which is being held by its owner, it might be a good pet»»»»»»» Happy

Let us get back to the incident “B” The moment the manager decides to call that employee for
discussions he starts “Predicting”. If his predictions imply that the discussion is going to be
difficult, it leads to an emotional state of disgust. If his predictions imply that the employee might
shout or create a scene, which he may not be able to handle it, it leads to an emotional state of
Fear.

There is another function of the mind, it is called “Projection”. This is something akin to filling in
the blanks. And the mind does it at supersonic speed.

Let me share another exercise I get people to participate in:

I show them this picture and ask them what they think?

Most of them reply it is an elephant.

Only 1% of the picture was visible and yet, the mind filled the remaining picture.

This how our mind fills in the blanks, based on the information stored within. A person would have
started saying something, the listener would have constructed the whole conversation in his/her
mind, even before the speaker finishes uttering it.

Projections also act as an emotional trigger, since projection is done at supersonic speed,
the trigger is almost instant.
There is another function of the mind that needs to be mentioned here, in order to understand the
effect and significance of emotions in our lives. This is the aspect called “Magnification”. Look at
this picture:

Our mind does this quite often. The issue being faced could be small, but the mind magnifies it
into a big issue.

Look at how the escalation takes place:

My manager has given me this list of prospects for our product. I have to call these people and
see if they’d be interested in meeting me in person to explain the features and benefits of our
product.

Will they be nice to me?

Will they are harsh?

Will they are rude?

Will I be insulted in the presence of others?

What if I get thrown out of their house?

Oh my God! What did I get myself into?

On top of the insult, rejections and ridicule; I may not get paid this month!

All those mortgages that I need to pay on a monthly basis will start compounding their rate of
interest, due to default. The little I do have will be taken away from me. I may end up in a worse
position than where I began.

Prediction, Projection and Magnification are natural functions of our human mind.

Information reaches our brains through our 5 senses. There are specialised areas in the brain
specifically to process this information (for example; Visual cortex, to process the information
received through our eyes). 5 senses send information to their special areas and simultaneously to
another area in the brain which quickly activates the security system and damage control system
to save the human being, even before the visual cortex and others areas react to the same
information to send the correct instruction for the body to follow

The security system needs more energy to face big situations when compared to other systems.
So, activate the emotion to rope in that extra physical energy, extra intelligence, extra talent, extra
muscular flexibility, extra vocabulary.

 Such extra energy is required:

1) To thwart endangering situations

2) To Handle big celebrations

3) To Prepare for demanding jobs

4) To realise super human dreams

Information reaches our brains through our 5 senses. There are specialised areas in the brain
specifically to process this information (for example; Visual cortex, to process the information
received through our eyes). 5 senses send information to their special areas and simultaneously to
another area in the brain which quickly activates the security system and damage control system
to save the human being, even before the visual cortex and others areas react to the same
information to send the correct instruction for the body to follow. From the point of information
hitting our senses, our mind starts predicting/projecting/magnifying.

You can see in this picture, “Amygdala”. The amygdala (Latin, corpus amygdaloideum) is an
almond-shape set of neurons located deep in the brain's medial temporal lobe.

In complex vertebrates, including humans, the amygdalae perform primary roles in the formation and storage of memories associated with emotional events. Research indicates that,
during fear conditioning, sensory stimuli reach the basolateral complexes of the amygdalae, particularly the lateral nuclei, where they form associations with memories of the stimuli. The
association between stimuli and the aversive events they predict may be mediated by long-term potentiation,[23][24] a sustained enhancement of signaling between affected neurons.
There have been studies that show that damage to the amygdala can interfere with memory that is strengthened by emotion. One study examined a patient with bilateral degeneration of
the amygdala. He was told a violent story accompanied by matching pictures and was observed based on how much he could recall from the story. The patient had less recollection of the
story than patients with functional amygdala, showing that the amygdala has a strong connection with emotional learning.
Paying attention to our emotions and how they have affected our actions and using this
information to make smarter decisions in our lives, can provide us with a road map to
fulfilment and happiness.

MOTIVATION:

To achieve big dreams we need big motivation.

Motivation is required:

1) To initiate any efforts

2) To intensify that efforts

3) To persist in that efforts

Motivation stems from our emotional connections. For example; we would be motivated to do
what gives us happiness whilst doing it (or likely to give us happiness on finishing). We may not
have the motivation to do something which pains us, or puts us to shame, or makes us feel bored.

Achieving a big goal demands a series of small jobs and tasks, to be executed perfectly. Even if
one of these actions are not fulfilled in time, with the required intensity, or seen through to the end;
the big goal will be delayed or even denied. All the small tasks and jobs must fall in place like the
hundreds of instruments that play in sync to create a symphony.

Look at the way our emotions disturb this orchestra. Some tasks we like and some we don’t. We
like things that give us pleasure. For example; social media involvement vs revising the subjects
taught in the school that day, watching TV vs preparing an assignment due next week, cozy warm
bed vs morning walk, tasty food vs healthy food, etc.

The higher the position one holds in a hierarchy, more the responsibilities there will be. Those
responsibilities will demand the whole of yourself. Are you prepared to give it all? It is not limited
to just one’s career, but to the families and the society as well.

If that symphony has to play well, then the emotional connect with the big goal should be so big
and deep, that the smaller likes and dislikes get submerged in the big flood of emotions, attached
to the big goal. All diversions from the main track get blocked and we stay on the track at all
times.

Many times, we tell to ourselves “suffer now, so that you can enjoy later” “work hard now, so you
can relax later”; this doesn’t go well with our emotions, our systems would try to avoid the
suffering. Because emotions are relative in nature, we can reorient these emotions. For example;
more pain, less pain; more joy, less joy.

Let’s go back to the incident above, about calling the clients for a sales meeting. While the pain of
rejections is lurking in the mind, we will instead, focus on how the sales would benefit the family
that we love so dearly. So making those calls becomes about ensuring the happiness and well
being of one’s family. It becomes about the visible glee in a kid’s face when he/she opens a gift
you purchased with the sales commission.

In the context of the kid’s happiness, the pain appears to be small. He can also decide on a
reward for himself for doing the action of calling the prospects, irrespective of whether the sales
happens or not (result). In absence of this, the fear of rejection is very painful on its own.

If the emotional connect with the goal is very deep, then the motivation to start immediately is
high, the intensity in actions are also high because of the motivation. Even if there are obstacles
along the way or things do not go according to plan, the motivation to preserver is high.

Taking a clue from Maslow’s need hierarchy theory, we can understand that higher order needs,
like ‘the need of belongingness, the need to feel acknowledged, the need to feel honoured, the
need to repay in measure for the good things blessed with, the need to stand for a cause’ trigger
emotions like courage, happiness, and pride.

A sportsperson who connects his/her victory to the nation’s pride will perceive his/her strict,
tough physical regime with pride. He/she does not get tempted by the luxury of waking up late in
the morning, that his/her friends may enjoy. He/She may even pity them. He/She does not feel self
pity in missing those first-day-first-shows that his/her friends get to experience.

An army man/woman takes his/her daily drill on the parade ground very seriously, for he/she is
able to connect fitness and agility that will help him/her save oneself during an attack and also
that he/she can thwart the enemies from causing pain to his motherland.

In my profession as a trainer, motivator and management consultant, I have to travel a lot.

Sometimes my preparations for the sessions following will go well beyond midnight. I get up at 4
am everyday, so that I can complete my hygiene routine and then my prayers in time, before 6 am.
Being a self owned institution (Partnering with my wife), I am aware of having the option to
reschedule the appointments, to make it possible for me to watch a movie of my favourite hero, or
for a get-together with friends and relatives; but I’m never tempted to do it. For before me, I have
the picture of my team. This is a team that has joined me, hoping that our association will bring
about changes in their lives. They have dedicated almost a decade and more of their valuable
lives to our institution. So in making them happier, I derive my happiness. Our team has to
become prosperous in their personal lives, whatever I can do to make that happen gives me
immense happiness.

I also have before me, the pictures of my trainees, who have reposed their trust in me despite
having other options in the market to choose from. Some of them have invested in my training
courses, even going to the extent of borrowing money on interest, to fund their tuition fees.

I also have before me a picture of my wife and daughters. They are my life.

I often look at my big family picture.

I also have a picture of my great country India. This country gave me its precious soil, its rich
culture, security, opportunities, respect and freedom. Seeing the picture often makes me patriotic.
Paying taxes is not a pain for me and my team. In fact, we are happy that we are able to share a
(very small) part of our income to the maintenance and the development of the societies of our
motherland.

So whatever I do to prepare for a session, or to present my concepts before an audience, or

advice the institutions on whose’s board I sit as a director, or in writing articles both technical and
psychological; I do it happily. I am not suffering to enjoy later. In fact, I enjoy to enjoy later.
Working hard is not a punishment meted to me by the society, but it is a selection made by
my society based on my competence, to present me with this honour of contributing. I’m
not sacrificing my joy for the sake of my family; I’m gaining the happiness of being a part of
my beloved one’s lives and contribute. Every opportunity to improve upon my contribution will
be a blessing showered upon me by God Almighty.

In fact, great leaders like Mahatma Gandhi, Dr A P J Abdul Kalam, Perunthalaivar

Kamarajar, Mahakavi Bharatiyar were happy doing what they were doing, because they
could link their actions to the bigger causes for which they lived. General public might feel
that these people missed out on all those entertaining aspects the world had to offer. This is
incorrect, for they were ecstatic in working towards their causes; while the others in the
world were temporarily happy or mostly unhappy.

Paying attention to our emotions and how they have affected our actions and using this
information to make smarter decisions in our lives, can provide us with a road map to fulfilment
and happiness. You can now start observing your emotional states; in doing something, or in not
doing something and memorise it. You can now change these states by focusing your higher
order needs of humans, and prepare props that can remind you of such needs. You can then link
your ‘doings’ and ‘not doings’ to the big goals. Now, You can happily delink your doings that take
you off your track often.

As we now know that our mind predicts, projects and magnifies information and how this process
triggers emotions. We can now use our power of creative imagination to predict, project and
magnify in order to trigger the sort of emotion we want; emotions that will help us break our inertia
and initiate great efforts; emotions that will help us intensify our actions; and emotions that will
help us persevere all the way through.

Who is the master of your destiny?

Your actions.

Who is the master of your actions?

Your emotions.

Who is the master of your emotions?

You.

Are you sure that you are the master of your emotions?

Or have we allowed the information that flows into us, play with our minds? Which would make us
too occupied with the small little pleasures & pains and rob us of the real happiness and fulfilment
in our lives.

GURUS SPEAK

R.GOPINATH



 ESSENTIALS MUST BE INSULATED FROM RISK

R.Gopinath
gopinathr@go-past.com

Stephen Covey a renowned author says, “People are busy climbing ladders. Wait for a minute and
see if the ladder is leaning on the right wall.” For example in a corporate world, there is a
competition on who gets promoted or elevated. Colleagues work at breakneck speed to impress
upon their bosses, clients and investors about how sincere and competent they are. And when
they finally climb the ladder and reach to the top, they feel that this is not what they really wanted
to end up with. Broken families, Bruised relationships, Big cars, Big houses, Big work cabins, Big
teams but feeling lonely up there.

Almost a similar scene exists in the investment world also. People want to become richer, and
make it happen fast. When they hear about somebody else making big money from an investment
opportunity, they would like to copy paste the same into their life. They read news and start
following trends, throwing away philosophies to the wind.

There is almost a compulsion felt nowadays to take such decisions. The reason is that people
earn well from their professions, but to image match with their richer counterparts in the society
they spend like them. Savings ratios come down, leaving the only option of earning more through
investment returns. We must also understand in this situation, if we have to earn more returns on
our investments, much more than the treasury rates, then we will have to understand minimum 3
possible scenarios can emerge:

1) We may beat the treasury returns and end up with more money

2) We may end up with a diminished capital

3) We might have saved the capital but earned less returns than the treasury yield.

Let us not now debate on the probability rates between the above 3 possibilities. Let us for now
learn that we should understand all the 3 scenarios are possible. But one question that arise again
and again is: How are 2nd and 3rd scenarios possible, when historically that class of asset has
given more returns than the treasury rates?

This happens because of the behaviour of two parties involved in this transaction. The first party
is the investor and the second party is the market (Asset class).

Investors behaviour is influenced by aspects like

1) Media news/ analysis/predictions

2) Investors limited knowledge of the scientific aspects like ratios, risk management,

3) Changes in the personal/family life, planned/unplanned

4) Emotions that obscure rationality

Nobody can buy a stock unless someone is selling it. This includes not just the individuals but
also fund managers as well. When someone is selling his stocks at a price, there is another
person who buys it. Both of them have almost the same knowledge or information about the
stock. One feels that this price is the best to sell and the other feels it the best to buy. Both of
them feel that the current price will change, one feels it will go down and the other feels it will go
up. Then tell me who is correct and who is wrong?

Many individual investors lose consistently by trading, an achievement that a dart-throwing chimp could not
match. The first demonstration of this startling conclusion was put forward by Terry Odean, a former student
of mine who is now a finance professor at the University of California, Berkeley.

Mutual funds are run by highly experienced and hard-working professionals who buy and sell stocks to
achieve the best possible results for their clients. Nevertheless, the evidence from more than 50 years of
research is conclusive: for a large majority of fund managers, the selection of stocks is more like rolling dice
than like playing poker. At least two out of every three mutual funds underperform the overall market in any
given year.

(Exctrated from “The hazards of confidence by Daniel Kahneman”)

Let us go back to Mr Covey’s question. On which wall your ladder is leaning?

When we ask our investors what do they expect on their investments?

The normal reply is, “Good returns” Meaning ROI

Why would you need “Good returns”?

The normal reply is, “So that I can have more money”

Now I give them the choice between the above two “Good returns” and “Having more money”
which is more important to you. After much pondering the answer is “Having more money” But
the answer doesn’t come so easily because people feel good returns alone can give more money
and the worst is that people also believe that more returns will result in more money always.

Now comes the next question, “Why do you want more money at the end of the period?”

The normal reply is so that i can use that money and be happy, feel secure, have independence.

Now the choice between 1) More returns, 2) More money and 3) Be happy, feel secure or enjoy
independence. People mostly select the 3rd one that is be happy, feel secure and have
independence.

Let us now consider where a 30 year old person Mr Citizen planning to invest money with a
purpose of funding his Son’s overseas education which is likely to commence 20 years from now.
He calls an investment advisor and asks for high yielding investments, which are safe. The advisor
says investing in equities is a good choice. Even though it is risky, it is still safe. Because in the
long term equities never fail an investor. It may go up and down and in the end it is always up. Mr
Citizen agrees and starts investing in equities.

Let us say the fund he was advised mirrors Sensex. To understand the impact of the statement of
the advisor that it may go up and down we will have to fall back on scientific measurements. In
statistics we have in our school days studies Standard Deviation.

Look at the following table:

This shows that Sensex in the last 21 years has moved up and down with a standard deviation of
34.50%. In simple terms the movement deviated away from a non-risk path to the extent of
34.5%. Now let us look at what Mr Citizen achieved in this bargain.

He has scored on the “More returns” aspect (10.96% compared to 6.22%) based on the case
studied in the last issue. Please see the insert. But is he left with more money? No.

Let us now answer the question of would he have been happy traveling this volatile curve? that
too given the background that the objective of this investment was to fund a not negotiable goal
of son’s overseas education.

Since Std Deviation only is an average, researchers have developed one more tool to understand
the scenario more that is called MAR. In the whole period of volatility what was the maximum
draw down. 52.45% in 2008. If the yield is adjusted by this figure it gives the MAR.

If in India Mr Citizen could have earned a Risk Free Return of 7% the extra that he had achieved
in the above example is 3.96% divided by the Std Dev is equal to 0.11%. That means for every
unit of risk he took, he gained a meagre 0.11% return.

The comparative volatility of an investment is measured by ß. Sensex represents ß=1. So if ß=1

has a std deviation of 34.50% then please estimate what would be the Std Deviation of a MF that
shows ß=1.4. It should exhibit a Std Deviation of 48.3%. How can you ever presume that a person
who is funding a very important goal will stay calm when he sees is investment deviate from the
mean to the extent of 48.3%

Therefore we must understand that the funding for our essential goals should be devoid of risk.

We will be continuing our discussion on this topic of how emotions obscure rationality in the
coming issues.
CATERPILLAR SPACE

MR CHINTAN BHATT



 WHY HNI, ULTRA HNI PEOPLE IGNORE THE LIFE INSURANCE?

WHAT IS ADEQUATE LIFE INSURANCE? WHY NEEDED?

In India, normally it is seen that HNI, ULTRA HNI people ignore the life Insurance they feel
that insurance is not giving handsome returns or does not create wealth. They invest their
money in Real estates, Gold, Equity markets based on assumption that these investments
will give handsome returns but it does not happen so all the time. In these assets, to
create wealth, “Time is important”.

It means that only time will say in individual case to case whether, it was a right decision
for investments in these assets or not.

If person will live healthy till his / her death with continuous earning, then investment in
above assets are to be proven true. But, “Life is full of risks. For, property, there are
fire risks. For Gold, there are theft risks. For Shipment of goods, there are perils of
sea. For human Life, there is the risk of death or disability and so on and so forth”.

Do not forget that “Life Insurance is an investment as certain sum is returnable to the
insured / legal heir at the expiry of a period or at the time of death”.

It is observed that, many HNI, ULTRA HNI people, who have a luxurious car of Rs. 50
Lakhs. For car insurance, they pay the premium every year regularly without fail where,
the value of car (50 Lakhs) is decreasing year by year. But they do not pay the premium
for their self / their life insurance where, they are earning Rs. 50 Lakhs per annum
regularly and their income increases gradually till retirement.

As far as possible, keep insurance and other investments separate. Don’t compare each
other because, it is not proper comparison. Insurance is not comparable with any other
investments. For the reason that, “Life Insurance is Income Protection as well as
Income Replacement product”.

In addition to that,

“Life Insurance is a husband’s privilege, wife’s right and child’s claim”.

NEED OF ADEQUATE LIFE INSURANCE

It is proven that, once you are married, you should ensure that you have adequate Life
Insurance. An individual, is inherent to differ. Each individual insurance needs and
requirements are different from that of the others.
What would happen to your family’s financial health, if you and your income were
gone? Could they maintain their standard of living?

Having adequate life insurance coverage should be an essential part of your overall
financial plan – at every age or every stage of life. And the sooner you buy the better.

With a life insurance policy, you protect all your assets in absence of yourself or in your
disability time. You protect a home, business, outstanding loans, any other property /
assets. This prevents to sell the above assets by your family and it is not so easy for them.

When your family members or dependents depend on you financially, you need to secure
their future. Having your life insured is asking to promise your family that they won’t ever
tackle a financial problem, whether you are there or not. Your responsibilities will not end
with you. It means “Buying Life Insurance is like buying peace of mind for whole
family for life time”.

Adequate Life Insurance means how much?

One thumb rule is to multiply your yearly income by 19. It considers into account of
many factors such as Inflation, rising income, rising expenses, outstanding loans,
rising liabilities, Children Education as well as marriage funds, etc.

THANKING YOU FOR READING

REGARDS

CHINTAN BHATT

SBA – DEVELOPMENT OFFICER

LIC OF INDIA

VADODARA DIVISION GUJARAT.

MOBILE NO . 9909017587

EMAIL: chintanbhatt871@gmail.com
CATERPILLAR SPACE

V RAMALINGAM

By: Mr V Ramalingam

cliaramalingam@gmail.com

Future Events:

Future events in our life can be classified into 4 types.

•Predictable

•Unpredictable

•Important

•Not so Important.
Suppose if an event falls in the category of Unpredictable at the same ?me if it
is Not so Important, we should Ignore that type of event.

Ex : Now I have a 5 Lakh car. My wish is to have a 1Crore car.

Is that 1crore car going to add any value or is it essen?al one?

No, Not now. Its just my dream. It’s not going to serve any purpose. I can
manage very well with this 5lakh car itself. So it is Not so Important at the same
?me it is not predictable. Just I have a dream. I don’t know when I will buy one.
So we can ignore this type of events.

If that event is Predictable at the same ?me Not so Important, we can go for
AlternaCve Plans.
 Ex. I wish to go for a Switzerland tour in another 5 years. My son is now
studying in 4th Std. Before he enters 10th Std, I want to go for this tour. Yes it is
Predictable one. It has some ?me line.

Is it Important one?

No. It is Not so Important because when my son is in 9th Std, in another 3 years
he will enter college. That means aVer finishing his +2 he has to join a college.
That ?me I need some amount for his World Class Educa?on. So this tour
comes under not so Important category for me. So what can I do, I can go for
some Alterna?ve planning. That means I can go for Nepal, Srilanka, Ooty or
Kodaikanal. So we have to look for Alternate plans.

Suppose if the event is Predictable one at the same ?me Very Important. We
should Plan from Now Onwards.

Ex 1. Child’s World Class Educa?on.

You know the child will enter into college when He / She is 17 or 18 years of
age. So it is a Predictable event. Is it important. Yes, very Important one. My
child’s World Class Educa?on is so Important to me. It is my responsibility.

What should I do.

I should plan from now onwards. Like that we should plan for Child’s wedding.
It is a Predictable event at the same ?me so Important . So, I should plan from
now onwards.

Ex 2. What about re?rement?

At older ages we can work for Passion but not under Compulsion.

Re?rement is also a Very Important event at the same ?me it is Predictable

one. Around 60 years I will re?re. So for re?rement also plan from now
onwards. If the event is Predictable and is it Important we should plan from
now onwards.

If the event is Important at the same ?me it is Unpredictable one. We should

Insure Right Now.
 Ex. Death or Disability. Death is an Unpredictable event. Even Disability
is also an Unpredictable event. At the same ?me it Impacts to a larger extent
on the family. So these are Important for our family.

So, What should we do

we should Insure right now. So if the event is Unpredictable and Important we

should Insure Rights Now.

We cannot get Insurance when we really in need of one.

We have to an?cipate the Risk involved and buy the Insurance before the
actual need arises.

Suppose you buy a new car worth of Rs.1 crore.

When will you buy an Insurance for the new car?

Immediately aVer buying the new car, Is it not?

Why what is the urgency?

Because you cannot get a insurance aVer the car is lost or it is met with an
Accident.

So if the event is unpredictable and at the same it is important we have to

Insure Right Now for such events.

PROUD TO BE
ASSOCIATED

MISS PRIYA DHABALIA; THE CYCLIST

PROSPECTIVE OLYMPIAN
D/O MR DEEPAK DHABALIA
MUMBAI



PROUD TO BE
ASSOCIATED

MRS R VIJAYALAKSHMI
BEST TEACHER AWARDEE, KARUR
W/O MR ARJUNA.



PROUD TO BE
ASSOCIATED

MR KABILAN
THE YOUNG YOGI
S/O R SUBRAMANIAN
KARUR
 A WRITE UP ABOUT MASTER KABILAN

I R.SUBRAMANIAM proud to be associated with GOPAST . I am one of

the par@cipant doing MDRT (36th batch). I get valuable guidance &

support to improve my agency carrier from Sri R Gopinath. I would like

to share the achievements of my son Master S.Kabilan studying in 7th

Std at Bharani Park Metric Higher Secondary School Karur.

He is very passionate towards Yoga and he has won the Gold Medal by

par@cipa@ng in the 64th Na@onal Yoga School

Championship(Tournament) 2018-19 in the segment of RYTHEMIC and

achieved 27 points (INDVI) & he has been declared as No. 1 posi@on.

The regular training and dedica@on has made him to achieve this level.

We thank you for sharing the space in your valuable E magazine

Inscrip@on which is viewed by many people. This mo@vates him to

achieve more.
NEWS AND GALLERY

EVENTS AT GOPAST
 CREATOR PROTECTOR GROWER SEMINAR AT CHENNAI



 MISSION COT TOT AT BANGALORE



PLAY AND LEARN GAME PANAM