communication Uncategorized

Nine golden tips to enhance your communication skills

With the right words, you can be one step ahead of others

Were you ever short of the right words during communication? But, ended up with ‘Man Ki Baat’? Did you become the black sheep in the crowd of eloquent yet effective speakers?

Jokes apart, effective communication is one of the biggest challenges in one’s personal as well as professional life. Communication forms the basis of relationships. It can either get you your dream career or make you move up the career ladder. Also, you can woo your dream partner using the right mix of words.

Enhance your communication skills
Nine golden skills to fine tune your communication skills.

In the course of this blog, I will share nine golden tips to boost your communication skills.

1. Be a good listener for good communication

In the majority of the cases of communication lapses, poor listening plays a crucial role. Most of the people do not listen with the intention to offer constructive feedback. They are more eager to talk and put their views across.

To be a good communicator, one needs to practice the art of patient listening. One needs to understand the merit in the other person’s views. By being a patient listener, one can gauge both the pros and cons of an issue clearly. One can make a better judgment regarding issues at hand.

As a boss, when you give a patient hearing to your employee’s needs, they will feel motivated to work more. Similarly, when you give a patient hearing to a friend’s problem, you can offer a more empathetic solution.

So, the next time you go off track and shut your ears in a conversation, remember that we all need to be listened to at some point in our life.

2. Constructive feedback

How many times have you shied away from giving or taking feedback? The reasons are manifold ranging from fear of criticism, inferiority complex or the lack of knowledge.

Constructive feedback is a crucial aspect of enhancing one’s communication. Feedback gives a clear insight into one’s performance. Are you high on vocabulary? Are you beating around the bush? Or, are you using repetitive words that add clutter to your communication? Answers to these questions are ‘Be receptive to constructive feedback’.

At the workplace, constructive feedback optimizes work and brings in transparency cum accountability. Further, constructive feedback motivates both the sender and receiver by bringing in a room for knowledge sharing.

3. Group communication

Have you noticed that group discussions are an integral part of most of the organization recruitment process? What is the logic behind this?

Group discussion is a significant, yet challenging way to finetune one’s communication skill. Putting across your words lucidly and clearly to a group of people requires tactics and skills. Each word spoken is scrutinized by more than one individual. Further, it tests your ability to listen carefully and accommodate others’ views. Also, you have the scope to get feedback from more than one person.

Next time, when you meet your friends over a cup of coffee, start a discussion on a burning public issue. Over a period of time, you will see tremendous improvement in your communication skills.

4. Good networking for good communication

Networking with the right people gives a new dimension to your communication skills. You learn new things through peer professional cum personal interaction. It gives an immense opportunity to build your confidence by taking up impromptu challenges. For example, interacting with a curious customer makes you think out of the box yet diplomatic in your outlook.

Hence, embrace networking as an important part of your life. You never know when a golden opportunity comes knocking your way.

5. Paraphrasing your message

The clarity of thought in a message is as important as the message itself. We get so obsessed with the message delivery that the exact wordings and sentences are seldom adhered to. Instead of conveying your thought in 1-2 sentences, you end up speaking eloquently by beating around the bush.

Hence, you must learn the art of paraphrasing to be a good communicator. Make a conscious effort to be short and sweet in conveying your thoughts. Record your phone calls, play it over and over again to spot the redundant points. Try to paraphrase what you have spoken over the call. Try this process until you get the paraphrasing right.

Also, ask your close friends or family members to alert you on the repetitions in your communication. Constant feedback brings in more consciousness to enhance one’s performance.

6. Audience awareness

Sometimes, your message goes right but the reception goes wrong. Hence, it’s necessary to finetune your message based on the concerned audience. Some might love humor, others might like a story while many others will like a short, crisp and to the point message. Based on the type of your audience, you need to finetune your message accordingly. You need to be empathetic and sympathetic while putting across your views. Make sure that your words are chosen with sensitivity to avoid hurting the feelings of the audience.


7. Vocabulary building

Were you ever dumbstruck searching for the right word in a conversation? You might have had a hazy idea about the word due to lack of usage of that word. Or, it could be due to lack of updation of your dictionary.

How can you avoid the word usage dilemma? The best way is to keep learning new words every day. A newspaper like ‘The Hindu’ is a good repository of vocabulary. Similarly, listening to BBC News is an effective way to build your vocabulary. Also, make a written note of the words and keep revising them during your spare time. In this way, you unconsciously tend to use new vocabulary in your communication.

8. Body language

Actions speak louder than words. This is very important in case of effective communication. Your gestures and body postures amplify your speech message. It gives life to your speech which can otherwise turn mundane and monotonous.

Getting the appropriate body language is a gradual and long term process. One can consider joining a public speaking club like Toastmasters International. By giving more and more public speeches, one can effectively finetune one’s body language.

9. Positive attitude

Attitude decides your altitude in life. Yes, you got it right. Your approach towards a situation determines your success in life. So is the case with communication. Having a positive outlook towards people and situation brings in a positive environment. A warm good morning with a smile, a small token of appreciation, etc goes a long way in building long-lasting relationships.

A person with a positive attitude exudes optimism and confidence in what he speaks. Consequently, his words are seen as credible by the receptors. Also, a positive attitude brings in more empathy to the table. The present organizational setups need more people who can put across their words in an assertive yet sympathetic way.

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YOU ARE READING THE ARTICLE COURTESY: SabPaisa (SRS Live Technologies) – headquartered in New Delhi with eight regional offices including Mumbai, Bangalore & Kolkata – is a rapidly growing fintech company having developed one of India’s most advanced AI-driven recurring payments platform bolstered by another of SabPaisa’s unique products: world’s first hybrid payment platform which has all the payment modes in a single checkout page, online and offline, from UPI to Cards to e-NEFT to e-Cash. Businesses that take SabPaisa’s payment gateway get real-time reconciliation and consolidated reports for all payments, recurring or one-time, online or offline, in a single dashboard, whether the payer is an 18-year-old in Kashmir paying through UPI or a 70 year paying through Cash in Kanyakumari. SabPaisa’s payments and collection application suite have already processed more than INR 12 Billion to date. Learn more about SabPaisa here:

digital payments Entrepreneur Financial intermediary fintech Hybrid payment gateway payment gateway startup Uncategorized

Top seven startup laws in India

Be compliant with these basic laws to kickstart your startup

KPMG research shows that startups in India have seen a steady rise by seven times in the last decade. This is attributed to a slew of favorable government laws and initiatives in India. As a result, India’s image has grown by leaps and bounds as a startup-friendly country.

Hence, if you are an aspiring startup or a new startup, make sure that you comply with certain startup laws and regulations for the smooth running of your startup in India. Interestingly, India has a number of laws for startups ranging from contract laws, incorporation laws, patent laws, taxation laws, etc.

Startup laws in India
Know the nitty-gritties of startup laws in India

In this blog, I will talk about the core startup laws in India in a simplified fashion.

1. Limited Liability Partnership Act, 2008

Limited Liability Partnership Act, 2008 governs the formation of Limited liability partnership firms in India. Startups registered as LLPs have the flexibility of entering into contracts, hold properties, etc irrespective of the subsequent change in the partners involved.

Provisions of the Limited Liability Partnership Act, 2008:

  • LLP Agreement: It is not mandatory to have an LLP agreement. This reduces the technicalities involved, thereby easing the working of a startup.
  • Penalty: Violation of this Act results in a penalty of a maximum of five lakhs and a minimum of five thousand rupees.
  • Audits and accounts: Audit of accounts of the LLP is mandatory if turnover exceeds 40 lakhs or contribution by partner exceeds by 25 lakhs.

2. Companies Act, 2013

Companies Act, 2017 is the fundamental law for the formation, functioning, regulation, and dissolution of a company. It clearly sets out the responsibilities for different stakeholders of a company like directors, major shareholders, minor shareholders, etc.

Important provisions of Companies Act, 2013 are:

  • One person company: The new provision allows any company to be solely led by one person ( as both the director and the shareholder).
  • Shareholders: Maximum shareholders in a company could go up to a maximum of 200.
  • Women director: The Act provides for the mandatory appointment of a minimum of one woman board director.
  • Corporate Social responsibility: Every company which either has a net worth of Rs 500 crore or a turnover of Rs 1,000 crore or net profit of Rs 5 crore, needs to spend at least 2% of its average net profit for the preceding three financial years on corporate social responsibility activities. 

3. Competition Act, 2002

Competition Act, 2002 governs the competitive activities of different organizations in the Indian market scenario. It ensures fair play in the Indian market by keeping a check on anti-competitive activities by the different players.

Key provisions of the Competition Act, 2002 are:

  • Competition Commission Of India: It is the central regulator for monitoring and keeping a check on anti-competitive practices in India.
  • Penalty: CCI can enforce a penalty of up to 1 lakh on any company for anti-competitive practices. 
  • Appeal: Appeal against CCI’s decision can be made by the aggrieved party within sixty days of the judgment in the Supreme Court of India.

4. Insolvency and Bankruptcy Code, 2016

Insolvency and Bankruptcy Code, 2016 aims to create a unified system for dispute resolution in India. It speeds up the dispute resolution process with the help of independent institutions and functionaries. In the past, dispute resolution in India was plagued by issues like red-tapism, organizational inefficiency, etc. Insolvency and Bankruptcy Code, 2016 intends to correct this loophole.

The provisions of Insolvency and Bankruptcy Code, 2016 are:

  • Dispute resolution time: Dispute resolution varies for corporates as well as individuals. The time frame is 180 days, extendable by 90 days for companies. For startups, the time frame is 90 days extendable by 45 days.
  • Dispute resolution request: Dispute resolution request can be put forth both by creditors as well as debtors.
  • Insolvency and Bankruptcy Board of India: IBBI is the insolvency regulator overseeing dispute resolution throughout the country. The board consists of 10 members including representatives from the Ministry of Finance, Law, and RBI.
  • Adjudicatory process: National Company Law Tribunal adjudicates in case of company and LLP firms. Individual and partnership firm related adjudication handled by Debt Recovery Tribunals.

5. Goods and Services Tax Act, 2016

GST Act aims to bring in a single, common taxation regime in the country by combining both central and state government taxes. It comes with the benefits of avoiding double taxation, lowering the prices of commodities and bringing in a competitive market.

Provisions of Goods and Services tax are:

  • GST slabs: The GST system currently has four slabs — 5%, 12%, 18%, and 28%. This simplifies the multiple taxes under the VAT system.
  • Central GST and State GST: Central GST to be levied and collected by the central government and State GST to be levied and collected by the state government.
  • Integrated GST: Integrated GST to be levied and collected by the Central government in case of inter-state transactions.
  • GST Council: GST Council is the governing body for revision of GST on a periodic basis.
  • Beneficial clause for Startups: By availing the input tax credit, startups can offset the regressive effects of the VAT system.

6. Commercial Courts, Commercial Division and Commercial Appellate Division of High Courts Act, 2015

This act deals with the resolution of commercial disputes. Accordingly, commercial courts and commercial divisions of the high court can adjudicate on commercial disputes with a value of at least 3 lakhs.

It’s salient features include:

  • Commercial courts: Commercial courts to be established at the district level and also in the territories with the high court’s primary jurisdiction.
  • Commercial appellate courts: Commercial appellate courts are set up in the areas where original jurisdiction of the high court is non-applicable.
  • Mandatory mediation: Compulsory mediation provided in cases where there is no need for urgent relief.

7. Arbitration and Conciliation Act, 2015

Arbitration and Conciliation Act, 2015 deals with the arbitration of commercial disputes in an institutional fashion. Further, the act aims to make the arbitration process more cost-effective and client-friendly.

The salient features of the Arbitration and Conciliation Act, 2015 are:

  • Arbitral institutions: Supreme Court and High Courts to create arbitral institutions for dispute resolution, that can be directly approached by the parties for dispute resolution.
  • Arbitral award time: Arbitral award to be given within twelve months period, which could be extended by another six months.
  • Arbitration Council of India: Lays down norms for grading arbitral institutions and ensuring an environment of alternate dispute resolution (ADR).

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YOU ARE READING THE ARTICLE COURTESY: SabPaisa (SRS Live Technologies) – headquartered in New Delhi with eight regional offices including Mumbai, Bangalore & Kolkata – is a rapidly growing fintech company having developed one of India’s most advanced AI-driven recurring payments platform bolstered by another of SabPaisa’s unique products: world’s first hybrid payment platform which has all the payment modes in a single checkout page, online and offline, from UPI to Cards to e-NEFT to e-Cash. Businesses that take SabPaisa’s payment gateway get real-time reconciliation and consolidated reports for all payments, recurring or one-time, online or offline, in a single dashboard, whether the payer is an 18-year-old in Kashmir paying through UPI or a 70 year paying through Cash in Kanyakumari. SabPaisa’s payments and collection application suite have already processed more than INR 12 Billion to date. Learn more about SabPaisa here:




linkedin marketing Uncategorized


Innovation to marketing, marketing to inspiration

I came across LinkedIn over five years ago as part of a peer discussion. Back then, I was a college student with a job at hand even before passing out. I remember ignoring numerous connection requests on LinkedIn. But trust me, that was not intentional. I failed to fathom the significance of LinkedIn due to my limited work experience. Most importantly, I could not gauge the significance of LinkedIn marketing for professionals and companies alike.

But, at present, as a working professional in the content marketing domain, LinkedIn is an integral part of my professional life. LinkedIn gave me access to varied companies in the course of my job switch. Also, as part of my company social media marketing team, LinkedIn is the fundamental platform I rely on for content publishing.

LinkedIn Marketing strategies for your business
Six awesome LinkedIn marketing tips for your business

Founded in 2002, LinkedIn is the most popular platform for professional knowledge sharing. If you are an individual looking for a job, a startup looking for growth ideas or company looking to hire fresh talent, LinkedIn is the right place for you. Nevertheless, certain time-tested strategies to drive the right content and reach the right people.

In the course of this blog, I will walk you through six awesome content sharing marketing strategies on LinkedIn. It has worked wonders for many successful companies. Hope it advances your business in the long run as well.

1. Marketing through graphic content

Companies that stand out in the market have very good graphic content in their marketing posts. A well thought out picture is equivalent to a million words. The message is deciphered instantly by the audience, in a different yet innovative way. Also, studies suggest that messages sent out in the form of graphic images have long-lasting retention power.

For example, a statistic on company growth using an attractive big font and a positive graphic image transforms the image of the company in an instant. The more students see and observe, the more they decipher, learn and retain. The same technique holds good in the professional domain.

2. Use of short videos

Videos are a powerful way to send across brand growth stories. It is a medium to give life to your organization’s vision and goals. A short video of 1-2 mins sends across an organization’s message in a short and crisp format. Interestingly, short videos attract more number of likes, retweets, and comments on LinkedIn. Also, video marketing strategies improve SEO in the long run.

3. Questionnaire marketing

How frequently do you interact with your target audience? Or is it that you just log in to LinkedIn to post your stories and log off? Always, remember that LinkedIn works best as a two-way professional platform. Posts that invite for comment or questions are liked and shared the most. It is a thoughtful approach to build a long-lasting rapport with your target audience. In other words, two-way interaction makes LinkedIn a real knowledge-sharing platform.


4. Storytelling approach

We all are great fans of bedtime, grandma stories. Aren’t we? Hence, it is time to give wings to the beautiful childhood memory on a marketing plane. Stories are loaded with curiosity and is a feast to any creative cum innovative mind. Also, stories make us think out of the box by taking us to an imaginative land.

Hence, why not build your LinkedIn marketing strategy around an inspiring and compelling story? In this way, you can project your brand in the most creative way. It keeps the target audience glued and keep asking for more. So, the next time you run out of ideas, feel free to explore and dive into the storytelling approach.

5. Content scheduling

The frequency of social media posts matters as much as the quality of its content. Majority of successful brands come out with 3-5 compelling, thought-provoking and informative posts each day. But, it becomes tedious to manage the intervals of posting.

Here is when the importance of content scheduling comes in. Content scheduling refers to the structured scheduling of social media posts using online tools. For example, Sociamonials is a popular tool used to schedule social media posts. Posts on multiple social media platform are scheduled in bulk for spans ranging from weeks to months. It saves the overheads involved in building posts for social media. Hence, plan and strategize your content scheduling for optimum results.

6. Content analytics

Is content marketing all about curating and posting great content? The answer is undoubtedly no. A constant and consistent analysis is required to closely track the performance of your post.

LinkedIn provides an Analytics tab to view the analysis of your daily posts. The no: of clicks, likes, shares, retweet, comment, etc helps in the in-depth gauging of audience response to your post. Accordingly, you can strategize your future posts by keeping in mind the larger customer needs.

Also, Sociamonial site provides a detailed analysis of your post on a daily basis. It takes the form of simple graphs and pie charts which is easily understandable.

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YOU ARE READING THE ARTICLE COURTESY: SabPaisa (SRS Live Technologies) – headquartered in New Delhi with eight regional offices including Mumbai, Bangalore & Kolkata – is a rapidly growing fintech company having developed one of India’s most advanced AI-driven recurring payments platform bolstered by another of SabPaisa’s unique products: world’s first hybrid payment platform which has all the payment modes in a single checkout page, online and offline, from UPI to Cards to e-NEFT to e-Cash. Businesses that take SabPaisa’s payment gateway get real-time reconciliation and consolidated reports for all payments, recurring or one-time, online or offline, in a single dashboard, whether the payer is an 18-year-old in Kashmir paying through UPI or a 70 year paying through Cash in Kanyakumari. SabPaisa’s payments and collection application suite have already processed more than INR 12 Billion to date. Learn more about SabPaisa here:


Entrepreneur Entrepreneurship inspiration motivation startup Tweets twitter Uncategorized

12 best twitter accounts to follow for every startup

Twitter was my best companion during my UPSC preparation days. My day started with surfing the daily news headlines through the accounts I followed. The new ideas brought in innovation to my answers.

Twitter continues to be my knowledge hub. As a writer, it gives me the opportunity to follow popular writing accounts. As a result, I have been adopting good writing practices to become a better writer every day.

In a similar way, twitter is the ideal knowledge platform for millions of entrepreneurs. In other words, Twitter is the cheapest medium to share ideas for small businesses like startups. Successful business magnates share ideas via videos, articles, links, etc which is free to share and access.

Twitter accounts
Twitter accounts to aid your startup growth

In this blog, I have compiled a list of twelve must follow twitter accounts for every startup. Get ready for some amazing information sharing experience.


1. Richard Branson @richardbranson

Richard Branson is an entrepreneur based in London. He is the founder of the Virgin Group. In 2007, he was Time’s 100 most influential person. His twitter feed is filled with both information and motivation. His tweets touch upon a wide range of issues like business setup, human rights, climate change, etc.

Best selling book of Richard Branson: Losing my virginity

TED Talk by Richard Branson: Life at 30,000 feet

Thought provoking tweet on ocean protection

2. Elon Musk @elonmusk

Elon Musk is an engineer and entrepreneur known famously as the founder of SpaceX, an aerospace company. His tweets give wide insights into space technology and renewable energy ideas. In addition, his feeds focus on his primary ventures based on artificial intelligence, Hyperloop technology, and electric vehicles.

If you are a core technology freak, you should not miss following his account.

Best selling book of Elon Musk: Elon Musk: Tesla, SpaceX, and the Quest for a Fantastic Future

TED Talk by Elon Musk: The mind behind Tesla, SpaceX and Solarcity.

3. Reid Hoffman @reidhoffman

Reid Hoffman is an author, venture capitalist, and entrepreneur. He is the co-founder of LinkedIn which is a professional networking platform. His feed is filled with tweets and retweets from a number of peer entrepreneurs. For example, the tips on better work productivity come in handy for any small business. Also, Reid Hoffman shares regular podcasts which is an impetus for new ideas.

Best book by Reid Hoffman: The Start-up of You: Adapt to the Future, Invest in Yourself, and Transform Your Career

TED Talk by Reid Hoffman:

4. Bill Gates @BillGates

One of the renowned entrepreneur, philanthropist, author and investor, Bill Gates is the founder of the multinational software company Microsoft Incorporation. His account showcases the work of his foundation Bill and Melinda Gates Foundation in addition to interesting technology news. The feed on education, health, and humanitarian issues are commendable and worth emulation.

Best book of Bill Gates: Business at the speed of thought

TED Talk by Bill Gates: Innovating to Zero

5. Kiran Mazumdar Shaw @kiranshaw

Kiran Mazumdar Shah is the founder and chairperson of Biocon Ltd, India’s leading pharmaceutical company. Her tweets give insights into both technological cum current national/international issues of significance. For example, her tweets on new inventions in the biopharmaceutical field stand out from the rest. Her handle is a must-follow for any knowledge seeking person.

6. Hiten Shaw @hnshah

Hiten Shaw is a popular investor in multiple startup platforms. The famous ventures include KISSmetrics and crazy egg. Make sure you follow his account to get motivational quotes in addition to startup updates.


1. Entrepreneur @Entrepreneur

Entrepreneur brings to your table daily tips to grow your business. A glance through the feed is enough to fill you with inspiration and creativity. Hence, do follow the account to arouse your creativity to the next level.

2. TechCrunch @TechCrunch

It is the one-stop account to catch up with all the technology news and its analysis. Also, blog compilation forms an integral part of TechCrunch feed. Be it content curation or content writing, TechCrunch acts as a reliable platform, to begin with.

3. Hubspot @HubSpot

Hubspot is an online platform for sales and inbound marketing. The twitter feed provides insights into tools for content marketing, SEO and Social media handling. Interestingly, one can frequent tweets of Hubspot help handles.

4. PaymentSource @payments_source

The account is focussed on news analysis from the payments domain. If you are looking for new solutions and ideas for your payment startup, PaymentSource is a must in your follow list.

5. Inc Magazine @Inc

Inc magazine presents business news and ideas in a lucid and interesting fashion. The views of renown personalities give ample scope for out of box thinking for a new business.

6. Forbes Magazine @Forbes

Forbes is the sought after platform for both businesses and non-businesses alike. The feed is replete with the experiences of professionals from different walks of life. Therefore, make it a point to follow Forbes for amazing business hacks.

If you have liked the post, please like, share and post your valuable comments in the comments section below. Constructive feedback is appreciated. For more posts, visit

YOU ARE READING THE ARTICLE COURTESY: SabPaisa (SRS Live Technologies) – headquartered in New Delhi with eight regional offices including Mumbai, Bangalore & Kolkata – is a rapidly growing Fintech company has developed one of India’s most advanced AI-driven recurring payments platform bolstered by another of SabPaisa’s unique products: world’s first hybrid payment platform which has all the payment modes in a single checkout page, online and offline, from UPI to Cards to e-NEFT to e-Cash. Businesses that take SabPaisa’s payment gateway get real-time reconciliation and consolidated reports for all payments, recurring or one-time, online or offline, in a single dashboard, whether the payer is an 18-year-old in Kashmir paying through UPI or a 70 year paying through Cash in Kanyakumari. SabPaisa’s payments and collection application suite have already processed more than INR 12 Billion to date. Learn more about SabPaisa here:

Entrepreneur Entrepreneurship inspiration motivation Uncategorized

Stress-free productivity hacks for entrepreneurs

Say goodbye to stress, say hello to productivity

Are you an entrepreneur?

Are you working hard?

Have you been looking for perfection?

Have you been sweating hard?

If so, stress has taken over you.

It’s time for some course correction to put your entrepreneurial life back on track.

It is a common misconception that entrepreneurs lead a comfortable and stress-free life due to owning their business. On the other hand, entrepreneurs face multiple challenges ranging from finances, hiring employees to daily decision making. This takes a huge toll on the health of an entrepreneur eventually leading to stress.

Stress is a human body’s physical, mental or emotional response to a challenging situation. However, stress is a normal part of human life. Hence, stress management is pivotal for the smooth balance of one’s personal as well as professional life.

In the course of this blog, I will take you through some time tested techniques to toss the stress out of the window. Moreover, these simple hacks are applicable to both entrepreneurs and non-entrepreneurs alike.

1. Wake up with gratitude

Wake up with gratitude
Gratitude brings in greater productivity and peace of mind

Every morning when you wake up, fill up your mind with positive thoughts. Thank God for all the blessings in your life. Pray for the well-being of all the living and non-living beings of the world.

This practice helps in bringing positivity energy and keeps you peaceful throughout the day. When you are grateful in life, unnecessary expectations tend to reduce, thereby bringing in greater satisfaction.

2. Regular Exercise

Regular exercise as stress buster
Regular exercise for both physical and mental health

Aerobic exercises, as well as meditation, is a great way to start off your day on a rejuvenating note. It keeps you activated and refreshed throughout the day.

Aerobic exercises like jogging, cycling, swimming act as an instant stress-buster. Most significantly, it lowers your anxiety level, blood pressure and boosts your immune system. Moreover, one develops good immunity in addition to consistent sleep patterns.

While aerobic exercises contribute to one’s physical health, meditation contributes to one’s mental health. Deep meditation for as less as five minutes a day brings in increased concentration and workplace productivity.

3. Healthy nutrition

Be healthy, be stress free
Include fruits, vegetables and proteins in your diet for a healthy lifestyle

Many of us have a tendency to skip meals due to our tight work schedule. While this contributes to temporary work productivity, it adds further fuel to increased stress. Also, stress induces the junk food culture.

Hence, it is ideal that one takes a balanced diet filled with fruits, vegetables, and adequate proteins. With adequate nutrition comes increased blood circulation and brain activation. On the whole, good nutrition is the fundamental means to remain active and healthy throughout.

4. Journal writing to release stress

Journal writing for stress relief
Plan meticulously, prioritize tasks.

Most of the workplace stress arises out of lack of planning and review. When there are many unprioritized tasks, it is natural for the brain to seek refugee in stress. Hence, it’s important to maintain a journal to keep track of one’s daily progress on both personal as well as professional front.

Make it a habit to plan your day everyday morning. Prioritize the tasks clearly with the time needed to achieve the tasks. At the end of the day, make an unbiased review of your progress. Be as brutal as possible with yourself. In the long run, only a critical review will get you organized and reduce stress.

5. Frequent workplace breaks to reduce stress

Frequent work place break
Frequent work place break to reduce stress and increase productivity

As an entrepreneur, we get so attached to our job that we are reluctant to take a small five minutes break. Though the notion, time is money hold good, a break is a necessary ingredient to reduce stress.

A break is a time to stretch your body muscles away from the monotonous posture. It is a time to reflect on new ideas to further enhance your productivity. One can go for a coffee break or just a walk across the office or neighborhood.

6. Digital device break

Digital device break
Take a break from social media to enhance creativity and concentration

We live in a technology era. We are surrounded by digital gadgets ranging from mobile phone to laptop. Our life runs around these gadgets and we cannot imagine our life without them. How many of us can resist opening our social media as soon as we wake up? Probably, not many of us.

Overuse of digital devices brings in both psychological and physical issues. The light from digital devices causes serious harm to one’s eyes resulting in headaches, eye-pains, etc. Also, the constant use of social media brings in social stress, anxiety, commonly known as FOMO ( fear of being missing out).

Hence, it is advisable that one takes a complete break from technology for at least one hour before sleep. This relaxes one’s eyes and nervous system resulting in sound sleep devoid of anxious thoughts.

7. Association with like-minded people

Association with right people
Associate with like minded people to learn and grow together.

As the proverb goes, birds of a feather flock together. People with similar interests, when associated together, can do wonders. As an entrepreneur, you have to be in touch with your peer professionals to ensure the flow of constructive ideas.

The sharing of ideas help you grow as an informed and skilled individual in the days to come. Further, this association helps you to learn from the challenges faced by your peer entrepreneurs and take corrective decisions. For example, Mark Zuckerberg found an ideal mentor in Steve Jobs. Mark Zuckerberg adopted Steve Jobs innovative technique of hiring new recruits by taking them out on long walks into the woods.

8. Regular vacations

Regular Vacation
Take frequent vacations to boost performance.

Studies from across the world prove that long vacations are essential to enhance your work productivity by reducing stress. Regular travelers enjoy a positive outlook towards life, better immunity, enhanced cardiovascular health and an overall sense of well-being.

Hence, the next time you get stressed out, book a long vacation to the mountains of Rishikesh or the city of Udaipur. You will not regret the break that brings in enhanced well-being and happiness.

9. Practice a hobby

Pursue a hobby for greater satisfaction and relaxation.

At times, your regular job becomes monotonous and the going gets tough. As they say, when the going gets tough, the tough get going. How to be tough and resilient? Practice a hobby or passion that is close to your heart. It could be reading, writing, photography or gardening.

Keep aside some part of your day or week to practice and nurture your hobby. It brings in a sense of satisfaction and gives you a sense of relaxation. Hence, a hobby is essential to boost your performance in both personal and professional life.

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Banking digital payments Financial intermediary fintech payment gateway startup Uncategorized

Frauds in online payments explained

Simple tips to avoid frauds

A study conducted by the Center for Strategy and International Studies (CSIS) & McAfee show that online fraud is equivalent to 0.8% of the world’s GDP. Most importantly, payment frauds form a major part of this figure.

Online payment frauds connote the illegal transaction by fraudulently acquiring the customer’s credentials. For example, it takes the form of credit/debit card fraud, data theft, friendly fraud, phishing, etc. Incidentally, the advance of technology has advanced the fraud involved as well. Also, fraudsters have devised complex techniques to come out with sophisticated frauds which are very difficult to detect.

Online payment frauds
Some time tested techniques to handle online frauds
Learn the simple tips for combating online payment frauds

In this blog, I will take you through some simple yet time-tested methods to tackle online payment frauds. As they say, prevention is always better than cure.

1. Data Theft frauds

This most common mode of online payment fraud involves stealing digital information of customers like banking account details, credit/debit card information, PIN, etc. For example, in 2017, 1 in 15 people had their identities stolen. Subsequently, the hacking of the credential holder’s account takes place with the stolen data. Further, data theft is also a result of employee negligence in handling an organization’s data. 

Data theft prevention techniques:

  • Regular malware check on the computer system.
  • Use of debit/credit card with pin-chip technology.
  • Frequent change of password every 1-2 months.
  • Regular installation of updated software on systems.
  • Ensuring a secure and protected wifi connection.
  • Do not respond to unauthorized and spam emails.

2. Phishing frauds

In Phishing, hackers camouflage as financial institutions and contact the target victims. In doing so, the various adopted modes are email, telephone, text, etc. For example, the potential target luring happens with fake offers, false email links, attachments and emails from unknown senders. Further, studies show that phishing accounts for 90% of all the data breaches.

Phishing frauds prevention techniques:

  • Use of email filters.
  • Change in browser settings. Do not autosave passwords for payment sites.
  • Timely fraud report to banks to ensure speedy action cum monitoring.
  • Keep a track of URL of links in an email. It is a potent outlet to fraudulent sites that steal user data.

3. Friendly fraud

Friendly fraud is one of the toughest fraud to detect. Herein, a customer makes an online payment and then disputes the purchase by contacting the credit card issuer. Going ahead, the fraudster is refunded while the fraud continues on different payment platforms. Studies show that friendly fraud increases at a rate of 41% every two years. It is on the rise due to the increasing presence of e-commerce companies. Moreover, it is very challenging to detect friendly fraud due to the favoring of customers by credit card companies.

Nevertheless, an estimate of friendly fraud is made by observing a larger than usual average transaction. Also, a high frequency of order coupled with a high amount of stolen orders suggests the presence of friendly fraud.

Friendly fraud prevention techniques:

  • Call recording to verify the veracity of the order.
  • Saving the product delivery information by confirming the signature verification.
  • Blacklisting of suspicious, fraudulent customers.
  • Building cordial relations with customers to maintain a positive brand image.
  • Interconnectivity with online payment peers to obtain updated information about fraudulent customers.

4. Triangulation fraud

This fraud primarily involves three parties involved in a transaction. Firstly, a customer places an order with an e-commerce site. Secondly, the e-commerce site is a fraudulent seller which takes the order and reorders on another website using stolen payment credentials. Lastly, the legitimate e-commerce website unsuspectingly processes the fraudulent order. For example, triangulation fraud is common in the trade of electronics appliances, pet supplies, tools, etc.

Triangulation fraud prevention techniques:

  • Keep a track of repeated product selling behavior of the retailer.
  • Connect with triangulation fraud victims to ascertain the fraud strategy
  • Be in touch with auctions/marketplaces that are known to host fraudulent sellers.

5. Refund fraud

Refund fraud occurs in a situation wherein a customer engages in the frequent return of ineligible items without any concrete reasons. For example, stolen or damaged goods are frequently returned. It often results in e-commerce sites hiking prices to recover the loss due to fraudulent returns.

Refund fraud prevention techniques:

  • Flagging customers resorting to frequent returns.
  • Stricter return policies like discouraging returns without a valid receipt.
  • Serial numbers on goods for verification.

On the whole, payment frauds are an inevitable part of transactions in a digital era. However, the tips and tricks mentioned above can be used to reduce it considerably, if not eliminate it. In addition, be well prepared for any unforeseen scenarios during online payments. Always, keep in touch with the concerned banking and regulatory authorities to safeguard your business and buyings.

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Six capital raising options for your startup

Tips to ensure regular capital for your business

She was young, she was bright, she was full of energy and she wanted to do something remarkable in life. But, her impediments came in the form of gender, age, and finance. Snubbed by banks and considered as a high-risk customer, she struggled with the capital while setting up her venture.

Nevertheless, her sheer grit, determination, and the venture capital model came to her rescue. She set up her first venture with a paltry sum of Rs.10,000 from a garage in Bangalore. Now, she is a successful entrepreneur by the name Kiran Mazumdar Shaw, the Chairman, the MD, and the founder of Biocon. The success of her startup venture has inspired generations.

Capital for startups
Six ways to raise startup capital

Are you facing the same problems as confronted by Kiran Mazumdar Shaw? If so, this blog is for you. These simple tips will enable you to find funding for your dream startup.

1. Bootstrapping method to raise capital

Bootstrapping refers to the use of a self-financing mechanism to raise capital for your venture. Individuals or institutions with an optimum amount of saving use this method. Herein, the role of external financers like angel investors, crowdsourcing, venture capitalists, etc is not present. For example, corporate giants like HP, SAP, and Dell is well known for humble beginnings through the bootstrapping method.

The major benefit of the self-financing method is the retention of the decision making power of the entrepreneur in his business. On the other hand, self-financing comes with financial insecurity in the face of cost overruns and unforeseen challenges.

2. Angel Investors

Angel investors are wealthy individuals providing funding for startups. Funding happens in exchange for ownership equity or convertible debt. Herein, funding is either on a one time or an ongoing basis. Generally, their own money is used for investing in the startup venture. For example, Meena Ganesh, CEO of Portea Medical, is an investor in four startups. In other words, friends, family, and crowd-sourcing options are the major sources of angel investments.

The major advantage of Angel investment is the inflow of a large amount of money for startups. The high inflow further brings in the option of experimenting and taking a risk. Nevertheless, there is a major associated risk of losing one’s decision making control of the company. Also, angel investments do not guarantee regular investments and cash flow. There are chances of fraudulent investment also.

3. Venture Capital

As compared to Angel Investors, Venture Capitalists do not invest their own money in a startup. Instead, the money pooled from different sources is invested in the venture. In return, Venture Capitalists get an equity stake in the venture. Moreover, unlike Angel Investors, Venture Capitalist investment happens at a matured stage of the company. Helion Venture Partners, Blume Ventures and Nexus Venture Partners are the famous Venture Capitalists in India.

In addition to the huge cash flow, the business expertise that comes with a Venture Capitalist is immense. The high profile contacts of Venture Capitalist is a long-lasting source of future business opportunities. Also, the support in the form of tackling legal and procedural challenges of a nascent company is worth noting.

On the other hand, Venture Capitalist funding comes with the downside risk of losing decision making control of your startup. This is detrimental to the success of any startup in the long run.

4. Loan

Bank loans are one of the safest ways of financing your business. Unlike Angel Investors and Venture Capitalists, banking loan doesn’t come with an equity stake or convertible debt. Further, bank loans come with affordable interest rate norms, usually in tune with government incentives. Also, the ensuing taxation benefits further boost startups.

However, bank loans come with procedural and approval challenges. The time consumed in paperwork runs into months in certain cases. Also, bank approval is difficult for startups in very nascent stages of businesses.

5. Government programs and Incentives

Governments across the world are putting in place incentive schemes for the growth of startups. For example, the Indian government’s Startup India scheme gives funding to startups from a consolidated pool of 10,000 crores. This brings in much-needed funding for startup growth. Further, the self-compliance clause gives room for greater trust in the long run. Also, freedom from Capital Gains Tax is a confidence builder for continuing future experimentation with creativity.

On the downside, there is an increased risk of micromanagement by government agencies. This is in the form of delay in approval and disposal of funds.

Hence, the handholding by government schemes is a vital factor for the creation of conducive startup culture.

6. Crowdfunding

Crowdfunding is the process of gathering funds from multiple sources like peers, individuals, venture capitals, angel investors, etc. The different types involve donations, online campaigns, debt, equity, etc. Elanco, Lego, and Unilever are some examples of companies with the crowdfunding platform.

On the positive side, crowdfunding brings in diverse funding options for a startup. Interestingly, there is a brand-building from scratch due to the wide clientele exposure. Also, there is scope for valuable suggestions and feedback which aids in the growth of the startup.

On the downside, crowdfunding brings in the risk of enhanced competition. It is seen that crowdfunding is increasingly becoming popular among businesses, both big and small. Finding the space for your startup is a time-consuming process. Also, the fees associated with various crowdfunding platform is exorbitant. This eats into the profits of startups.

Have you made up your mind on the mode of financing your startup? Depending on the domain, intent, and size of your startup, choose the apt funding option viable for your business. If you have a stable saving, dive into bootstrapping. If parting with decision making is not an issue, explore angel investments and venture capital. Further, if you find the government programs and the bank incentives interesting, go ahead with these options. Lastly, if you are looking for different ideas in addition to diverse funding options, crowdsourcing is your ideal destination.

Do not be deterred with the roadblocks. Just remember that successful entrepreneurs like Kiran Mazumdar Shaw and Bill Gates walked a similar path. The journey of a thousand miles begins with a single step.

Feel free to drop in your valuable comments in the comment section. Let’s learn and grow together.

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Hundred motivational quotes for success

Evergreen quotes to keep you inspired and take you towards success

What do you mean by success in business? Is it just about the idea? How important are interpersonal skills? Have you craved for something inspirational to keep you going? Further, isn’t persistence an enviable quality given the enormous challenges of the entrepreneurial life.

An entrepreneur is a person who brings in a new business idea to the table. But, an idea doesn’t manifest itself into success overnight. It requires sheer grit, hard work, perseverance and above all unflinching hope to make it a success.

In pursuance of this, we can learn a lot from seasoned entrepreneurs. Most importantly, tracing their growth journey is crucial to learn about the challenges of entrepreneurship.

Inspirational quotes for success

In this blog, I will take you through a hundred quotes given by successful people. These quotes relate to different qualities of an entrepreneur in particular and successful people in general. I am sure, these quotes will handhold you both in your entrepreneurship as well as non-entrepreneurship journey.

1.Leadership quotes for success

  • “You don’t have to hold a position in order to be a leader.” – Henry Ford
  • “True leadership stems from individuality that is honestly and sometimes imperfectly expressed… Leaders should strive for authenticity over perfection.” – Sheryl Sandberg
  • “Some people want it to happen, some wish it would happen, others make it happen.” – Michael Jordan
  • “Leadership is a matter of having people look at you and gain confidence, seeing how you react. If you’re in control, they’re in control.” – Tom Landry
  • “The greatest leader is not necessarily the one who does the greatest things. He is the one that gets the people to do the greatest things.” – Ronald Reagan
  • “A person always doing his or her best becomes a natural leader, just by example.” – Joe DiMaggio
  • “A leader takes people where they want to go. A great leader takes people where they don’t necessarily want to go, but ought to be.” – Rosalynn Carter
  • “If your actions inspire others to dream more, learn more, do more and become more, you are a leader.” – President John Quincy Adams
  • “A genuine leader is not a searcher for consensus but a molder of consensus.” – Martin Luther King Jr.
  • “Leadership consists of nothing but taking responsibility for everything that goes wrong and giving your subordinates credit for everything that goes well.” – Dwight D. Eisenhower


  • The works must be conceived with fire in the soul but executed with clinical coolness – Joan Miró
  • “Don’t be satisfied with stories, how things have gone with others. Unfold your own myth.” 
    ― Rumi
  • If you’re not doing some things that are crazy, then you’re doing the wrong things – Larry Page
  • Great things are not accomplished by those who yield to trends and fads and popular opinion – Jack Kerouac
  • You can’t use up creativity. The more you use, the more you have – Maya Angelou
  • If it doesn’t sell; it isn’t creative – David Ogilvy
  • The principal mark of genius is not perfection but originality, the opening of new frontiers – Arthur Koestler
  • “Great minds discuss ideas. Average minds discuss events. Small minds discuss people.” 
    ― Henry Thomas Buckle
  • “Learn the rules like a pro, so you can break them like an artist.” 
    ― Pablo Picasso
  • “Creativity takes courage. ” 
    ― Henri Matisse


  • Few ideas work on the first try. Iteration is key to innovation – Sebastian Thrun
  • Innovation is the specific instrument of entrepreneurship. The act that endows resources with a new capacity to create wealth – Peter Drucker
  • Collaboration and augmentation are the foundational principles of innovation – Vaclav Smil
  • Innovation comes out of great human ingenuity and very personal passions – Megan Smith
  • I think frugality drives innovation, just like other constraints do. One of the only ways to get out of a tight box is to invent your way out – Jeff Bezos
  • Innovation requires an experimental mindset – Denise Morrison
  • Innovation is like looking for pieces in a jigsaw puzzle. You have to find a lot of pieces that don’t match to find the one or two pieces that match. – – Edward Conard
  • The history of innovation is the story of ideas that seemed dumb at the time – Andy Dunn
  • Innovation comes from the producer – not from the customer – W. Edwards Deming
  • Innovation is serendipity, so you don’t know what people will make – Tim Berners-Lee


4.Confidence Quotes for success

  • “Optimism is the faith that leads to achievement. Nothing can be done without hope and confidence.” – Helen Keller
  • Each time we face our fear, we gain strength, courage, and confidence in the doing.- Theodore Roosevelt
  • One important key to success is self-confidence. An important key to self-confidence is preparation.- Arthur Ashe
  • With the realization of one’s own potential and self-confidence in one’s ability, one can build a better world. – Dalai Lama
  • Self-confidence is the memory of success. – David Storey
  • Confidence is preparation.  Everything else is beyond your control. – Richard Kline
  • It is confidence in our bodies, minds, and spirits that allows us to keep looking for new adventures — Oprah Winfrey

  • Confidence comes not from always being right but from not fearing to be wrong — Peter T. Mcintyre

  • The most beautiful thing you can wear is confidence — Blake Lively

  • Doubt kills more dreams than failure ever will – Suzy Kassem


  • There is no passion to be found playing small – in settling for a life that is less than the one you are capable of living – Nelson Mandela
  • Success comes to those who dedicate everything to their passion in life. To be successful, it is also very important to be humble and never let fame or money travel to your head – A. R. Rahman
  • Without vision, even the most focused passion is a battery without a device – Ken Auletta
    Find your passion, set a goal, go to work, evaluate, reassess, and repeat – Elana Meyers
  • If you have passion, there is no need for excuses because your enthusiasm will trump any negative reasoning you might come up with. Enthusiasm makes excuses a nonissue – Wayne Dyer
  • Passion rebuilds the world for the youth. It makes all things alive and significant – Ralph Waldo Emerson
  • As reason is a rebel to faith, so passion is a rebel to reason – Thomas Browne
    But life is long. And it is the long run that balances the short flare of interest and passion – Sylvia Plath
  • “Nothing is as important as passion. No matter what you want to do with your life, be passionate.” —Jon Bon Jovi
  • “Passion is the genesis of genius.” —Tony Robbins


6.Perseverance quotes for success


  • No one succeeds without effort… Those who succeed owe their success to perseverance – Ramana Maharshi
  • Perseverance is failing 19 times and succeeding the 20th – Julie Andrews
  • Perseverance and perspective until victory – Lincoln Diaz-Balart
  • In the realm of ideas, everything depends on enthusiasm… in the real world, all rests on perseverance. – Johann Wolfgang von Goethe
  • Perseverance – a lowly virtue whereby mediocrity achieves an inglorious success – Ambrose Bierce
  • Perseverance is also key to success in any endeavor, but without perseverance in combat, there can be no victory – Jocko Willink
  • Everything that I’ve ever been able to accomplish in skating and in life has come out of adversity and perseverance – Scott Hamilton
  • The king knows with what ardor and perseverance I have at all times been devoted to the cause of liberty and to the principles of humanity, equality, and justice – Marquis de Lafeyette
  • Perseverance is more prevailing than violence; and many things which cannot be overcome when they are together, yield themselves up when taken little by little – Plutarch
  • Success is no accident. It is hard work, perseverance, learning, studying, sacrifice and most of all, love of what you are doing or learning to do – Pele


7. Determination quotes for success

  • What does it take to be a champion? Desire, dedication, determination, concentration and the will to win – Patty Berg
  • The determination to win is the better part of winning – Daisaku Ikeda
  • Victory is the child of preparation and determination – Sean Hampton
  • You’ve got to get up every morning with determination if you’re going to go to bed with satisfaction. – George Horace Lorimer
  • Determination becomes an obsession and then it becomes all that matters – Jeremy Irvine
  • Do not underestimate the determination of a quiet man – Iain Duncan Smith
  • Change is hard and requires constant struggle and determination – Sadiq Khan
  • A determined person will do more with a pen and paper than a lazy person will accomplish with a personal computer.  – Catherine Pulsifer 
  • A vow is fixed and unalterable determination to do a thing when such a determination is related to something noble which can only uplift the man who makes the resolve.–Mahatma Gandhi
  • Desire is the key to motivation, but it’s the determination and commitment to an unrelenting pursuit of your goal — a commitment to excellence — that will enable you to attain the success you seek. –  Mario Andretti

8. Discipline quotes for success

  • To enjoy good health, to bring true happiness to one’s family, to bring peace to all, one must first discipline and control one’s own mind. If a man can control his mind he can find the way to Enlightenment, and all wisdom and virtue will naturally come to him – Buddha
  • It was the character that got us out of bed, the commitment that moved us into action, and discipline that enabled us to follow through – Zig Ziglar
  • It doesn’t matter whether you are pursuing success in business, sports, the arts, or life in general: The bridge between wishing and accomplishing is discipline. – Harvey Mackay
  • Self-respect is the fruit of discipline; the sense of dignity grows with the ability to say no to oneself.   -Abraham Joshua Heschel
  • Discipline is the soul of an army. It makes small numbers formidable; procures success to the weak, and esteem to all. – George Washington
  • There is one thing that gets you out of bed in the morning, and that is discipline. Because your dreams and your goals are not there waking up for you in the morning – Jocko Willink
  • Discipline is just doing the same thing the right way whether anyone’s watching or not – Michael J. Fox
  • Even as you make progress, you need the discipline to keep from backtracking and sabotaging the success as it’s happening – Nipsey Hussle
  • The only discipline that lasts is self-discipline – Bum Phillips
  • Discipline strengthens the mind so that it becomes impervious to the corroding influence of fear.    – Bernard Law Montgomery

9.Decisiveness quotes for success

  • The one word that makes a good manager – decisiveness. – Lee Iacocca
  • The way to develop decisiveness is to start right where you are, with the very next question you face. -Napoleon Hill
  • “Decisiveness is often the art of timely cruelty.” – Henry Becque
  • “Direct threats require decisive  action”  – Dick Cheney
  • “Clarity and decisiveness come from the willingness to slow down, to listen and look at what’s happening.” – Pema Chodron
  • “Decisiveness is the number one quality of a dynamic leader: his ability to communicate a decision with passion and integrity is an art form.” – Farshad Asi
  • “Energy, confidence and decisiveness is 90% of the battle.” –  Craig Cackowski
  • “Your decisiveness is your determination. Your chase is your goal and your joy is your life.”  – Ruturaj Uttarwar
  • “Be decisive. A wrong decision is generally less disastrous than indecision.” Bernhard Langer 
  • “All the paths kneel before the decisive minds!”  – Mehmet Murat Ildan


  • The older I get, the more open-minded I get, the less judgmental I get – Gwyneth Paltrow
  • Without an open-minded mind, you can never be a great success – Martha Stewart
  • One of the best paradoxes of leadership is a leader’s need to be both stubborn and open-minded. A leader must insist on sticking to the vision and stay on course to the destination. But he must be open-minded during the process – Simon Sinek
  • Stay open-minded; stay focused. Train hard and train smart. For me, the older I get, the smarter I have to train also because the recovery time is longer. Work on everything: become a well-rounded fighter – don’t just be good at one thing; be good at everything – Brock Lesnar
  • I think when you’re young, you’re a lot more open-minded, and sometimes you’re a lot more perceptive about what’s going on in the world – Zendaya
  • You have to be open-minded, and you have to be critical, and you have to let go of your predispositions about what you’ve been told that doesn’t have foundations in evidence – Carl Hart
  • If you are open-minded and you let the universe come in, you never know where things might go – Adam Neumann
  • “It is a narrow mind which cannot look at a subject from various points of view.” 
    ― George Eliot, MiddleMarch
  • “Let yourself be open and life will be easier. A spoon of salt in a glass of water makes the water undrinkable. A spoon of salt in a lake is almost unnoticed.” 
    ― Buddha
  • “Renewal requires opening yourself up to new ways of thinking and feeling” 
    ― Deborah Day

Overall, these quotes are applicable to any profession per se. Irrespective of your background, these quotes have valuable takeaways for every person. For example, perseverance and determination in the face of failure is the hallmark of any successful person. Challenges are an essential ingredient for growth and development. Hence, the best use of the quotes is by putting it into diligent practice.

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