- Boost Emergency Funds:
In this world nothing is permanent or guaranteed. It is important to have
a contingency fund created. And so, in case if you haven’t created a
contingency fund, which takes care of at least 6 months – 12 months of
your monthly expenses by having deployed money in a separate saving bank
account or liquid fund, you must do so first with the help of windfall
gains. This will protect you in case of any unforeseen contingencies that
might weaken you financially (such as loss of job, decline in the monthly
income and so on). Therefore the new-found wealth will play a crucial role
to help you in unexpected emergencies.
- Meeting Your Insurance Needs:
In the recent times, we are more vulnerable to physical and mental
disorders as compared to our previous generations. For these reasons, it
is very important to have an adequate health and life insurance. If you are not adequately
covered, then use the windfall income to buy/increase your insurance
cover. But again here while indemnifying the risk to your life and health
be careful about the policy you buy and ensure that you insure yourself
with an optimal risk cover. Also, in case you plan to use your newfound
fortune for purchasing expensive jewellery, artefacts, property etc. you
will also need to buy specific general insurance policy(s) covering such
assets, which could indemnify risk from fire, flood, theft etc.
- Reduce (or Remove) Debt:
In case if you have any debt lingering around, the windfall income should
be used to pay off your debt and financial obligations (such as
credit card loan, personal loan, home, business loans etc.), especially
the ones that bear very high interest rates. Removing or reducing the
extent of your liabilities must be among your top priorities when you plan
to utilize the windfall gains. This would help you to boost your financial
health and meet other financial goals.
- Prioritize Goals and Boost Them:
All of us have certain life goals. For Instance, to have a comfortable retirement, to educate children in the best school and
college, to purchase a dream home, a car, and so on. In most cases since
it is challenging to meet all these goals with windfall gains. Contributions
for meeting these goals can be made or enhanced at this time.
- Investing: As said
earlier, make your money work for you and tread on the path of wealth creation. But
while you do so, be careful of where you are investing and contact a professional for a good investment advice. They undertake
solid fundamental research and invest in asset classes and investment
instruments therein following the appropriate asset allocation meant for you. Although
your risk appetite might increase with a windfall income, you must observe
caution while determining your asset allocation. If your present
investments are not generating enough returns to beat the inflation, you
can consider investing your new-found wealth in assets that will enhance
your returns relatively and mitigate the investment risks through
diversification. You should also consider the tax angle while investing.
- Spending Money:
Yes we recognise that you might also have a few personal wishes, which you
dream to fulfill apart from family responsibilities. You deserve to spend a
small portion of the windfall income as you wish so as to enhance the
quality of life. You may also choose to donate some part of the funds for
a worthy cause.
Saturday, April 30, 2016
How to go about managing windfall income?
Saturday, April 23, 2016
Interesting origin of phrases - Kangaroo court
Meaning:
Origin
Origin
Tuesday, April 12, 2016
Some of English's uniquest...
Letters
Typewriters
Symmetry
Anagrams
Contained Words
Syllables
Articles
Thursday, April 7, 2016
Gaining gravitas - for women at work
💼 Breaking the Bias: How Modern Women Command Respect at Work
Over the past few decades, while Indian society has continued its battle with patriarchy, a new tribe of women has redefined what empowerment looks like. They’re educated, ambitious, and unapologetically driven — seamlessly balancing thriving careers with family lives. Yet, even today, an uncomfortable question lingers: how many of these women truly feel respected at their workplaces?
Many still believe respect must be earned, not given. But in reality, every employee — irrespective of gender or title — deserves respect from colleagues, bosses, and clients alike. For women, especially, navigating the subtle biases, unwanted attention, and unspoken power dynamics requires more than skill — it calls for executive presence. Here’s how women can build it, sustain it, and own their space at work.
1️⃣ Respect Yourself First
Before expecting respect from others, start by practicing self-respect. That begins with boundaries, balance, and belief. Create time for self-care and prioritize what truly matters. Stop overcommitting just to please others — that’s energy lost on the wrong goals. Know what you want, communicate it clearly, and stay congruent between your words and actions. People naturally respect clarity and conviction.
2️⃣ Lead with Assertiveness, Not Apology
Respect is rarely handed over — it’s modeled. Set the tone by treating others with respect and confidence, minus the sugarcoating or excessive politeness. Professionalism doesn’t mean being “nice” all the time; it means being clear, composed, and consistent. From salary discussions to strategic meetings, demonstrate your worth through how you communicate and deliver results.
3️⃣ Master Communication that Commands Attention
Respect thrives on good communication — both speaking and listening. Pay attention to others’ inputs before reacting. Maintain calm, measured tones even in heated discussions; emotional overreactions dilute credibility.
Avoid “shrill” or defensive responses by being well-prepared. Confidence comes from clarity. Expand your conversational bandwidth — be aware of trending news, workplace developments, even sports or politics — to build genuine connections.
And yes, your emails matter. Keep them crisp, courteous, and professional. Always use a proper greeting and sign-off — because professionalism never goes out of style.
4️⃣ Define and Defend Your Boundaries
Respect also comes from self-awareness. Know your limits and don’t be afraid to communicate them. Setting boundaries early — especially when starting a new role — signals confidence and prevents burnout. Have honest conversations about how you prefer to collaborate and understand how your colleagues work best. Boundaries aren’t walls; they’re frameworks for mutual respect.
5️⃣ Push Back with Poise
Being polite doesn’t mean being a pushover. In fact, saying no is one of the most powerful forms of self-respect. Women often equate compliance with career advancement, but being agreeable 24/7 doesn’t earn authority — it erodes it. Push back professionally, not emotionally. Be kind, but firm. Disagree with tact, and let your calmness under pressure be your superpower.
6️⃣ Nice Is Not a Strategy
Being “nice” might make you popular, but it won’t make you powerful. Employees who constantly please others often end up overlooked or overburdened. Instead, be respected, not merely liked. Respect comes from consistency, competence, and courage to stand your ground when it matters.
7️⃣ Dress and Move with Purpose
In today’s hybrid world, appearance still communicates volumes. Every industry has its dress code, but elegance and effort never fail. Dress smartly — not for attention, but for intention. Let your style echo confidence, not conformity.
Pair that with strong body language — upright posture, steady eye contact, and a firm tone. Speak with conviction. When you own your space physically and verbally, others automatically take you seriously.
8️⃣ Skip the Gossip, Keep the Grit
Office gossip might seem like harmless chatter, but it can quietly chip away at your professional credibility. Being known for discretion earns deeper respect than being “in the loop.” Politely disengage from gossip — over time, people will recognize you as someone who can be trusted with real conversations.
💡 Respect Is a Journey, Not a Title
Earning respect at work isn’t a checklist — it’s a continuous process of showing up authentically, performing consistently, and holding your space with grace. For women, this path can feel steeper, but the view from the top is equally more rewarding.
When women cultivate self-respect, communicate with clarity, and operate from quiet strength, they don’t just earn respect — they redefine it.



