Secure Way to Wealth:Mutual Funds

Mutual Funds reminds us of our childhood passion when we used to save coins and small currency notes in the beautifully designed money boxes called Piggy Banks. Any coin or a small currency notes saved out of the pocket money would invariably find the small hole of the money box. Parents used to prompt us to keep adding money in these tiny boxes but we were not aware of the envisioned merits of small savings and financial goals during those early days.

Closeup of piggy bank or money box

However the relevance of small savings became more important when we started earning and found our friends/collegues/family members discussing about the Financial Planning and Financial Personal Goals quite often.

The family keeps growing and so does the requirement of money to meet day to day expenses /children education/Buying a House and what not? The ever increasing costs keep the gap widening between what is required and what you are owning!! This is the time when you need to start planning your Personal Finances vis-a-vis Financial Goals and experts always suggest to start it early. Well said,”sooner the better”. Start early to plan the whole path leading to your retirement as this span of over thirty years is the most crucial period of your life which will decide what type of life you are going to live after retirement. Upbringing , schooling, higher education, marriages of children besides payment of mortgages are the halts which you will find on your way to Final destination i.e retirement. A planned investment will make your journey a pleasant experience and :

The answer is simple: Management of Personal Finances: Balancing of your Income and Expenses and Regular savings leading to investment will see you achieving the financial goals easily before settling down for the impending retirement plans.We will discuss the most secure safe and high yielding investment avenues availbale in the market which can get you returns as high as 16% per year.

I am talking of Mutual Funds which are professionally managed investment funds that pool money from many investors to purchase securities available in the market. These investors may be retail or institutional in nature. Mutual funds have advantages and disadvantages compared to direct investing in individual securities.

The primary advantages of mutual funds are :

Advantages of Mutual Funds

• Professional management: Mutual Fund managers are professionally trained and experienced, constantly watching and managing their fund
• Instant diversification: Since one of the primary rules of investment is to diversify portfolios, a mutual fund can be a simple and successful way to accomplish this goal
• Liquidity: If you ever want to get out of a mutual fund, all you have to do is instruct your broker or financial advisor
• Match your style: You can find a mutual fund that matches almost exactly what you are looking for from an investment
• Tax avoidance : Some of the funds are eligible for Income Tax rebates which help you plan your finances effectively

Disadvantages of Mutual Fund:

• Loss of Control: The managers are in complete control of decisions as to whcih securities they are going to invest
• Expense Loading: Expenses to the tune of 1 to 1.5% are charged for management of these funds and most importantly there is always a chance of non transparent items being charged to the fund resulting in reduction of NAV

You can enter and exit at any tine during the time horizons slected by you. The investment can be a lump sum amout or you can extend your chilhood passion of saving small amount regularly. This route is known as SIP( Systematic Investment Plan) where you chose a particular amount to be deposited per month for maturity period fixed in view of your future financial goals like Children education,marriage,retirement plans etc. This mode of investment is getting more and more popular these days as small drops of money deposited every month get accumulated into a big balance to meet your budgetted goals.

A few types of funds are appended below which you can consider for investment depending on your liquidity comforts and risk profile :

1. Debt Funds
2. Equity Funds
3. Balanced Funds
4. Fund of Funds
5. Fixed Income Funds

Most of the countries encourage their citizens to save through these funds by providing tax benefits and Indian market has specifically made funds where you can invest and save tax on the Pincipoal as well as interest /dividend earned after a lock in period of three years. You have ELSS Scheme where the invested amount is deductible under a relevant Incoem Tax Act and payment after three years is absolutely free of any tax liability when you get the whole amount in your account. USA has a very strong market of mutual funds as most of the investors find this route easy to handle and secure as far as safety of money is concerned.

Whereas finacial advisers play a very important role to decide on which type of funds you require as per your goals but you can easily decide of your own also as the commissions and professional fees charged by the professionals is high.

Like stocks, mutual funds too have market price which is known as NAV calculated daily on the basis of value of the bucket of securities held in their portfolio. You can have access to the predetermined value of the mutual fund before investing. However you must have complete knowledge of the fund house, management, their portfolio, past performance, NAV of the peers,other important and relevant features before putting your hard earned money in the funds.

All available figures indicate that only long time investors earn by investments through Mutual Funds and any short term investments less than three years must be avoided under these schemes. Have patience and see your money growing by giving it sufficient time to grow.

Never look at these investments to meet your short term expenditures. All your expenses including credit card bills, mortgage payments, groceries and incidental expenditure shuld be met out of the 60% of your income as explained in our earlier posts and investments in mutual funds, stocks,real estate must come from the 25% of savings prescribed in our earlier discussions.

I am trying to guide you in the simplest of words for creation of wealth by taking small and assured confident steps and your feedback will certainly make this journey more interesting. I am looking forward to your inputs!

One more step, one more post next time!! Till then have a relaxed time!

Stack of coins and growth sprout plant with hand watering as business finance or grow investment concept.

Let’s Create Wealth-1

Hi Friends, Thanks for your continued support and let’s start where we left of yesterday in our effort to employ our idle money lying in the bank’s savings or current account for generation of passive income. All of us understand that the balances lying in our savings accounts don’t get sufficient returns to beat inflation part which eats out the real value of money regularly. We are talking from the beginners point of view who are being initiated into investments through stock markets.

A stock which is being considered for investment is subjected to strict scrutiny through various yard sticks by the investors/Financial Experts before considering any buy or sell call in a particular trading session. However to keeep the things simple, I will take up a few financial ratios which are easily available on website of the company or the Regulator’s platform as a public document. Let’s consider an example of XYZ Ltd Company to elaborate further:

1. Book Value: We need to know about this value as a yardstick to know the real value of share of the company on a particular day. This is the amount available for the share holder after adjustment of all liabilities in the event of closure of operations by the company. This is what you are left with in the grimmest and rarest of circumstances. Book Value of Company XYZ Ltd stock as on date is 21.29$ and we will compare with the market price later on
2. Market Price/Price: This the value of the stock which you will be paying for buying a particular stock. Market Price of XYZ Ltd stock is 243.05$
3. EPS(Earning Per Share): Net Profit/Total number of shares This ratio gives clear picture of operations and profitibility of the company. Comparison over the past few years will confirm that the company is doing well in business and may bring passive income for the shareholders through dividends/bonus shares. This is one of the most important parameters for selectin g any stock for investment. EPS of XYZ Ltd stock is $12.01 which is commendable
4. P/B (Price to Book Value): Market Price/Book Value. This Price to Book ratio is a financial ratio used to compare a company’s current market price with its book value. The PB Ratio less than 1 will make the company suspicious about its operations and may not be a good choice to invest. However this parameter is not the only yardstick but it should be co related with other financial ratios before taking a call. P/B of XYZ Ltd share should be 243.05/21.29=11 which is very healthy and acceptable due to valuation of the company but we will try to analyse further before putting in our hard earned money into this stock
5. PE Ratio: This is one of the most relevant information which defines the relation between market price of a share and EPS to understnad as to how much discount or premium is being charged by the market. In simple words how much money any investor is ready to pay for the stock to earn 1$ out of it. This ratio is used for valuing companies and to know whether the company is undervalued or overvalued. Let’s consider a live case of XYZ Ltd share which is trading at $ 243 in the Stock Exchange today. EPS of the share is $12.01. PE Ratio will be 243/12.01=20 app This means the stock is commanding a premium in the market and for every one dollar you will have to pay 20$ to buy one share of XYZ Ltd . You can compare this value with the average industry PE to know whether it is in line with the Industry levels
6. Debt Equity Ratio: This ratio shows total indebtednes of the company and its comfort level in debt servicing . Total debt/ Equity figures available on the Balance Sheet can be used for calculation of this financial ratio easily Any thing less than 1 is a very good sign and shows health of the company. However in no case you should venture into buying a share of the company whose debt equity ratio is more than 2. Debt Equity Ratio of XYZ Ltd stock as on date is 0.88 which is acceptable and conducive to its growth in future
7. ROE or ROCE: Return on Capital employed. This shows efficiency of a company in managing its equity to optimum level for running its business. Higher the better!! ROCE of XYZ Ltd is 52.13 which is very high and doing justice to the confidence of its share holders/Investors.
8. Performance of the company for the last three years: This information will provide you insider view of the operations of the company Any constant growth in the sales/profits/dividends will impact the value of share positively but the zig zag movement of figures in the balance sheet will indicate something wrong going on with the company as the sustained growth is not coming which may be due to unhealthy practices of the managemnt or some operational problems like unrest in the workforce/marketability of the products etc
9. Financials of XYZ Ltd for the last three years lifted from a public domain are as under and you can see how all the important parameters have been showing constant growth. You can easily find such informaion for any company which you are interested to invest through shares

Item	2018	2017	2016
Revenue	265595	229234	215639
Cost of goods sold	163756	141048	131376
Gross Profit	101839	88186	84263
Operating Income	70898	61344	60024
Net Income	59531	48351	46687
EBITDA	81801	71501	70529
EPS	12.01	9.27	8.35

I have taken an example of one of the best managed and result oriented company so that you can understand the concept of investment easily by taking holistic view of the information. Hope you will now feel comfortable to take your first step in building wealth and target to achieve your coveted goals easily. Nothing is impossible in this world: you have to keep learning with patience without ever shying of taking calculated risks on your march to creating wealth.. Have a relaxed day

Let’s Create Wealth

We have seen a large number of investors accumulating huge wealth by investing wisely in the stock markets irrespective of the fact that these markets are the most volatile centres in nature. Fortunes favour the brave!! and who doesn’t know the king of stock market Warren Buffet, a billionaire and rated as one of the ten richest people across the globe. And that’s because he shares the belief that, over the time, the world will improve, will grow and will be a better and more efficient place to live than it was before. George Soros, ICahn, Ray Dalio,James Simons,Steve Cohan,David Tepper, besides Rakesh Jhunjhunwala from India are the great rich people who have earned their fortunes through the stock markets The money has not come overnight but it’s the result of consistent efforts, timing the market, investing in valued shares and taking the calculated risks.

Investments in stock markets are the highest yielding avenues available for investors who maintain their calm during the turbulent times as the markets keep testing your nerves with high level of volatility. Regular study of the industry reports coupled with periodical performance analysed through various parameters keeps your portfolio insulated against sudden losses as the investments are like a child who needs proper pampering/caring/feeding/education and regular check ups to grow into a healthy and well informed young man.

It’s very easy to start investing in stock market as mere opening of investment/brokerage/Demat account provides you minimum requirement for gaining entry for buying/selling of stocks of your choice. Yes the first part is as sample as ABC and most of the investors may find the going a bit tough in selection/study of the individual share initially. There have been instances of huge loss occurring to the investors where the money has been spent in buying only on getting tips from the so called market experts or TV Channels. The use of digital information and expert’s recommendations bear implications as this could have come through a marketing efforts by a group of vested promoters. A thorough independent study takes only a few minutes before plunging into this very volatile world but it can help you in becoming financial literate to save your hard earned money.

Recently I came across hundreds of recommendations on various TV Channels/You Tube Channels who were recommending shares of their choice citing various reasons for a bumper rewards on a particular trading session known as Muhurat Trading on the auspicious festival of Diwali in India. The markets are opened for one hour on this day which otherwise turned out to be a HOLIDAY. This is the hype created by motivated people/professionals who try to lure your greedy instincts by forcing you to buy a particular stock through induced marketing skills. You need to be aware of such practices in vogue across all the global markets irrespective of the country you are living in. You need to take care of following important observations before committing yourself to buying mode in the stock market:

1. Start with a small amount as this will provide you an opportunity to test the waters before taking a plunge in the river. Have patience and don’t react on movements of the market on daily basis as you are entering this market as an investor to grow your wealth and not as a trader who plays on speculation only. This is not a gambling like casino where number appears purely on your luck. The stock market is a business which has certain basic perinciples to show preservance consistently. The right decision taken after proper analysis before investment will certainly bring good fortunes unlike casinos.
2. Allocate a fix part of your savings to this portfolio depending on your risk appetite but never put entire money in stock market as there could be other avenues available where your investment is safe with low yield
3. Invest initially in Large Cap companies who have track record of continuous growth over the past few years. This may not give you big returns but will keep your money safe initially. Study their financial information of at least for the last five years and see various parameters of sales/profit/debts/other features which doesn’t require any technical skill. Compare to see if these figures are increasing or decreasing. Try to learn about the group or promoters whether the company is paying regular dividends or involved in some litigation which may hamper their business in future. You will find consistency in the working of these big companies and learn the basic information which will help you in analysing smaller companies too.
4. Nobody has learnt anything FREE as nothing comes free in this world. Even the so called free use of Social platforms come by sacrificing your personal infomation and privacy!! Every success comes with sustained efforts after tasting setback/losses/fall and wrong decisions. Don’t get upset with your failures as these are the stepping stones for your smiling future. Just try to learn from your failures and be careful while riding the cycle again.
5. Don’t depend blindly on the recommendations of experts without seeing any logical evidence. Try to analyse the information by co relating exhaustive data available on various platforms and using your own due diligence and normal prudence before investing in the stock.
6. Don’t put all eggs in one basket. Invest wisely in diverse industries. In the ever changing vibrant economies, the priorities of Governments and promoters keep changing. Any particular industry or a stock which remained rising continuously over the years may just relax providing you an opportunity to enter the stock on lower valuations. Dont reshuffle your portfolio frequently as such practice will only enrich the brokers

Invest when others are exiting from the market. During the Dot com bubble 2000, Sub Prime Fiasco 2008 or Harshad Mehta Scam 1992, when most of the investors were scared away due to the crash in stock markets, the great players were busy accumulating the quality shares at throw away prices. Never in the industry, any slump in the stock markets has remained in vogue for more than 15 months. When the stock markets returned to senses, the heart burns were visible as the small investors had dumped all their holdings by selling the shares at unbelievable discounted prices and you can imagine the fortunes of those who had acted wisely by grabbing the opportunity in a big way. The COVID-19 has also seen see-saw movements of global markets during the current financial year and crash in shares of non essential items have seen prominent stocks losing their values to the extent of 80%.

The long term valuation of the stock continues increasing not only by appreciating in the value/price of the stock but also from the regular dividends/bonuses/rights issues offered to the holder from time to time. Reinvestment of all these incomes keep the value multiplying to higher levels for diversion into passive income investments later on . We will discuss investments for passive income and also look at the various parameters for identifying a stock for its valuation in our next post. Till then: Have a relaxed day

Personal Finance 3

Hi friends, We have priortised the various contituents of Financial Planning in the last three posts and I would like to touch the investments and wealth management a little bit to make you aware about this important feature in your Personal Finance management. However to elaborate each and every type of resources available for investments and creation of wealth, I will be following up with detailed information in my future posts. I am trying to make this exercise simple so that you understand the entire gamut of Financial Planning without hiring an expert professional :

Investments and Wealth Management: Let’s look back at the 25% of your net income which was planned as a share for savings or pay to yourself amount. We need to start earning by allocation of this money in various instruments known as investment for creation of wealth. This could be in the form of various products available in the market as under:

1 Bank Deposits: All the beginners must rely on this risk free,safe and secured nature of investments where a predecided interest is paid on the deposits. As per agreed clause the interest is paid by the Bank regularly periodically and the orginal amount is paid at the time of maturity However there is an option to get the cummulative interest alongwith the original amount at the time of maturity too. The original amount of deposit is also guaranteed to be returned back after a specified time. The real value of amount lying with Bank is eroded gradually due to inflation as the average return of 5% hardly covers the inflation rate prevailing in various countries. This shortcoming can be taken care of by starting to invest in Mutual Funds which provide higher returns with a little risk factor as the funds are directly associated with the volatile stock market. The average return of 10% under this portfolio covers the inflation and boosts the valuation of assets.

2. Bonds: These are the instruments which pay high returns with a certain lock in period and basically classify as loans to the companies. In case of liquidation of the company these bonds are secured creditors and may provide comfort level to the investors as far as risk is concerned

3.ETF: An Excahnge trading Fund is an investment fund traded in the stock market and can be bought and sold like any other stock. An ETF holds certain stocks,commodity or bonds and pay good returns with lesser risk. Derivatives and gold ETF are popular type of instruments which are easily avalable in the market

4.Stock n Shares: Volatility and risk comes naturally with this investment as share investment can earn the best return amongst all types of instruments. But we understand that high returns come with higher risks and a lot of prudence needs to be applied before taking plunge into the stock market. Initially the investments should be in top rated large cap companies as these are the stablised units which have survied over the years through competent management strategies. The returns could be lower but there is no chance of losing capital. Time horizons of more than 15 years have proved historically that the stock markets pay the maximum returns of more than 11%.

5. Debentures: Whereas the debentures carry a coupon rate or interest rates which is paid to the customers till the debentures are redeemed. There are two types of debentures issued by the companies. Non Convertible and convertible debentures.. In convertible debentures, the amount is converted into a specified number of equity shares at the end of the tenure and the debenture holder becomes owner of the company. The non convertible debentures are paid back in full to the holder after its maturity

6. Real Estate : We can enter into this high yielding sector of real estate through REIT’s which is a pool of investors who buy real estate and share the dividends. However after accummulating enough funds, independent deals for purchase of residential or commercial property can be undertaken for creation of more wealth. Returns are really big in some case where the distressed properties are acquired after thoughtful considerations

The investment landscape is very simple, interesting, evolving and challenging exercise, which doesn’t require much of time or energy but it demands a regular nurturing. Any investment which is not paying upto the expectations or likely to result in eroision of wealh should be taken care of immediately by making a few changes in the portfolio. The basic purpose remains creation of wealth required for long term goals and retirement without complicating the things.

Keep it simple and have a relaxed day!!

Personal Finance 2

Hi Friends, I have tried to explain the most important but scary part of Fiancial Management in a very simple and realistic words which may bring the hidden part of your financial acumenship for planning your Personal Finances in the most confident strategical way without creating a hole in your pocket. Having elaborated the three important features, we come to the next part which all of us have to comply with reluctantly but which is directly or indirectly linked with the social welfafre of all the citizens. Yes! You are right:

Taxes: Its an obligation for all the earning individuals/group of individuals/companies and other legal entities to pay a specidfied amount of their income to the Government for carrying out various public expenditures. Most of the countries have a direct or indirect Tax System which is paid by the tax payers for helping the Government to carry out the agreed national activites. We plan for our expenses /investments/life style only after payment of these taxes. The percentage of tax keeps changing with the amount of Income you are genrating from the country’s financial activities. Its a legal obligation or commitment to pay the tax but the Governments have devised various modes for prompting the tax payers to save or avoid tax liability by subscribing to the schemes. There are two terminologies Evade and Avoid used in Tax Language. We must understand that avoidance of tax is legal but Evading of tax obligation is illegal and punishable under the law. You must umderstand the difference between the two and try to avoid tax liability by the undernoted schemes which are prevalent in most of the countries:

1. Tuition Fee paid for higher education of your children
2. Interest on the mortgage paid on the Mortgage amount raised from a Financial Instituion/Banks
3. Instalments paid for repayment of mortgage amount
4. Investment in selected Government Bonds/Securities
5. Donation Paid to the eligible Trusts

Besides, we have the undernoted type of taxes lavied by the Governments which need to be taken care of by any individual before smiling for their good luck of having paid all the tax obligations during a particular year:

1. Gift Tax
2. Property/Real Estate Tax
3. Wealth Tax
4. Inheritance Tax

The Table given below is an attempt to provide you information about the Inflation Rates/Income Tax Rates/Per capita Income prevailing in the various countries but depending on your feedback some other relevant information can also be incorporated in this table

Name of Country	Inflation	Income Tax Rates	Per capita Income in US$
Australia	2.3	45%	56352
India	7.39	30	2036
China	3	45	9608
Canada	1.9	33	46261
Japan	0.3	55.95%	39306
Germany	2.2	45	48264
Russia	4	13	11327
Singapore	0.5	22	64041
UK	1.80	45	42558
USA	1.7	37	62606
France	0.9	45	42878

We will take up Investments and Wealth creation part tomorrow which may help you to retire early and retire peacefully. I am eagerly waiting for your feedback

Have a relaxed day!!

Personal Finance-1

As discussed earlier, Personal Finance is an exercise to plan your Finance so that you have enough money for your immediate Financial needs, savings for higher education of your children and planning for retirement. All Financial planners recommend for early action on your planning but I think this planning can be started at any stage of your life but sooner the better as the insurance premiums keep increasing with age and the gap between your current and retirement age keeps decreasing making it difficult for your money to grow enough .However you need to have resources to generate income to fulfill all these goals. It could be through your salary,business or any other regular stream of income. The art of managing your income, expenses and savings comes from within by becoming finacially literate which does’nt cost you much. A rough calculation on a small piece of paper willl be enough every month to provide you the much needed expertise in personal finance. Lets start from the first step:

1. Minimum Emergency Fund: You need to create this fund to overcome the unforeseen circumstances. You may be contemplating to leave the job and looking for better job options or there could be a slump in your business due to sudden defaults by the debtors/unfavourable market conditions. In such circumstances you can’t afford to stop living your life style, maintaining the social status, pursue education of your children and other routine expenses. To maintain a buffer, you need to have a minimum bank balance equivalent to 4 to 6 months of salary/income in your Bank account. This will provide you comfort level to search for the new job or to tide over the adverse market conditons. If you are drawing a monthly salary of 10000$, you need to maintain an emergency fund in your bank account to the tune of 40000$ to 60000$. You will agree that this cushion will not let you down when you are not getting regular salary/income
2. Insurance: Most of the planners rank this item at number four in priorty but I would prioritise to suggest obtaining of Life Insurance or Term Life Insurance Cover for the earning member of the family to safeguard against any future risk to life or permanent disability. There is no need to get LIC for all the members of your family. The total quantum of Life Insurance Cover should normally be 8 to 10 times of annual salary/income. For example if your salary is 100000$ per year then the total cover should be 800,000$ to 100,0000$. Fortunately the amount of insurance premium for a Term Life Insurance Cover is very small and it keeps increasing with the age. This amount is sufficient to ensure that your family does’nt feel the financial issues when you are not around and continuity of education of your children is guaranteed. Besides a Medical Insurance/Health Insurance cover needs to be taken for all the family members as the ever increasing medical/hospital bills can cause turbulance in the entire budget of the family and whole financial planning could be paralysed. I will prefer for a Medical Insurance coverage of 500000$ under a family floater scheme which does’nt cost you much and every member of the family is covered by a single policy.
3. Savings: Having covered the uncertain part of your life upfront, I will prefer you to save a minimum 25% of your Net income and keep aside to invest for creation of wealth. This investment will start earning for you and take care of all your sustenance expenses when you are not working after retirement. You can invest these funds in high yield Securities, Stocks, Real Estate, Mutual Funds as per your interest and opportunities available
4. Monthly Household and Life Style Expenses : This takes away the major piece of your cake as your Bills, School Fees,Grocery,Utilities, Car maintenance, Hotel Bills and Club Memberships consume maximum part of your budget. You can allocate 60% of total income under this expenditure. Though Credit cards make a second line of defence to meet the unexpected unplanned expenditure for buying a computer/Bike for the children but effort should be made to pay off the bills regularly and in no case the part payment ever be made for the credit card bill as the balance will attract a huge rate of interest. The Credit Card companies will keep coxing you for the minimum amount for obvious reasons Under all circumstances, the allocation of 60% should be used for payment of all bills including credit card bills

Hope to come back again tomorrow with further inputs but I will wait for your feedback and suggestions to make this exercise more interesting and simple.

Have a great day!!

Personal Finance

Personal Finance, Financial Planning, Funds Management, Budgeting are the various terminologies used to scare the tax payers community right across the global community. Whereas this exercise of managing funds and planning to save money for creation of wealth is as simple as living your normal life by spending a few hours every month but the apprehension of wrong calculation and payment of taxes coupled with lack of knowledge about availability of safe and high yielding investments make them engage the finance professional at one point or the other.

 Every human being has been earning and using his resources for the comfortable living and saving a few bucks for the rainy days over the hundreds of years but with the advent of time; the technology, various ways of earning, savings instruments, investments and number of taxes have ha been given a complex picture of financing management. I will try to make the task simple by providing you the simple and relaxed way of managing your money. This will not take more than a few hours every month

Planning your finances is necessary for living within your cash inflows and saving enough to meet your long term goals. You can make your life pleasant by following a few time tested measures as at one point of time you will stop earning and retire to enjoy your life by watching your grand and great grandchildren grow. This can be possible only if you have earned, spent, saved and invested well to create a wealth that could repay back every month the amount of money you require to live your life comfortably. Here are the important factors which needs to be taken care of by any individual for a relaxed and peaceful retired life:

1. Cash Inflows/Salary/Income
2. Minimum Emergency Fund
3. Savings
4. Monthly household expenses: Children Education,Bills,holidaying,Transport etc
5. Insurance
6. Investments
7. Taxes
8. Creation of wealth

We will take one by one and hope the concept will continue getting simpler for you to plan and enjoy your life

Have a blessed day

The Journey Begins

Thanks for joining me!

Good company in a journey makes the way seem shorter. — Izaak Walton