There she is...

First meet up ---

In the airport when I landed, that was a very busy day

From the crowd I saw a bright shine far away 

There she appeared in front of me with a beautiful bouquet

Seeing her was like sticking my heart full of love roses with a crochet 

Her smile made all the travel tiredness run far and away

Even coffee tasted sweet even without sugar at cafe day

That was my first meetup with her which made my day :)

Transparent - Friendship

I was driving this morning and weather was all gloomy and I was not able to see any skyscrapers that I usually see daily. I don't like such weather and some how made me feel dull relating this with life.

I feel it would be great if some one is so transparent instead of covering up with a layer of different emotions. But, if a person can still see the real you through the covered layer of emotions, that is what is called Friendship :)

One Word

I believe in one word that we need to bond the relation back!!

SORRY

Life is You

I shiver when I talk with you
When you talk, I hear nothing except you
My thoughts are always about you
can't imagine life without you
So my life is you .........

Happiness...

when you do what u like
when you make your parents happy
when you make some one smile
when you help someone
when you see smile of children
when you see some one win
when you win
when u were able to propose
when u r confident
when u do what u want
when u find alternative
when u get what u want
when u adjust when u dont get what u want
when u hear from her
when u dream about someone u like
when someone thinks of u
when someone is there when u r falling apart
....
Finally happiness is every where and can be obtained from anything so always be happy and keep others happy:)

step back

Guys, friends understand very well each other and I think there can be situations where one friend might not have reminded of other for a while but some day when they talk each other the real friends will always be really happy to talk to each other. But some times instead of feeling bad and thinking too much, it's ok to step back for a while and give them some time when you think you are being ignored. When they meet each other again, a one step back should become a big step forward instead of being awkward!! so stepping back is not a bad thing some times :)

Feel the Heart, beat

I was on my way to work last week and I generally listen to Elvis Durain morning show which is my time pass for my drive to work. There will be couple of minutes in the show that a person named garrette plays sounds. On that day as usual he played multiple sounds and at the end, he played a sound and when he told what that sound was i got goosebumps and some kind of emotional tears. I saw the video for 3-4 times and everytime I got the same feeling. I would like to embed the video of that below.

Those are the moments in life that really makes you feel happy and make the day awesome. If I myself just as a listener itself felt happy, I cant imagine how much happy the mother and father would have felt when the heard this for first time :)

Small savings make a big difference

This post is only for people who have decided to reduce their expenses and increase their savings as a new year resolution. When I was speaking to my friend, she was asking me about geico quote as it reduced some of her monthly premium, then I got a thought that is there any way that I can reduce my expenses and be better at savings. So I started going through my bank statement and started looking at unnecessary expenses and started analyzing it and thought of reducing them. I will be mentioning about the savings that we can make -

First thing was I was having a credit score tracking equifax account for which I was paying $17.95 per month. I called them and told them I wanted to cancel my subscription. So they told that they will reduce the price to $8.98 per month for next 12 months with same services. So I saved around $9 per month.

Next when I looked at my statement and found that one payment was automatically paid to renew my account for $145. so I called them and told that I do not want to renew my account. so they cancelled renewal and refunded the amount.

I have a amazon prime account for 1 year which is about to auto renew in next month. So I kept a remainder to cancel my auto renewal 3 days before auto renewal.

I had saavn account for 4$ per month. So i thought to cancel the premium subscription and start downloading online and load it into my iphone.

Next big thing is my auto insurance. I am currently paying around 212$ per month. So i decided to call my insurance company and ask if there is any way to reduce that premium. She told following things. I was having automatic payment from my debit card so I changed to handle based on routing number and that reduced premium by $4. Then moved to Personal Injury Protection deductible for which she asked me to increase the deductible to more instead of 250$. It reduced the premium by 10 more dollars. There is a option for PIP coverage option called Primary, Health Primary, Medical Primary and Medical Health primary. I asked her I already have a health insurance so do I need this coverage still. She told if your health insurance covers auto accident, you can change the coverage option to health primary or medical health primary. So have to check with my health insurance and confirm which will reduce my premium by $20 more per month. I had an accident claim in 2012 and my premium increased because of that as surcharge will be added and will be which will be wiaved after 2 years as it is 2 years since my accident, i got to know that from my next reneweal, that surcharge worth of 240$ will be waived and my premium will be reduced by 40$ more per month.

My friend, she brought another thing into my attention regarding the coupons at grocery stores. Generally we bachelors will not think much about coupons but these coupons makes a decent savings. So planning to print in store coupons online and use them while shopping. Hoping it will work and reduce a little too. As of now I got the links for Target and Shop rite.

When some one goes to walgreens, apply for their card and they have good amount of savings too. I founf this when I recently bought a 12 pack of water bottles and I found that I have points which I can use and it just like that saved 3$ on a 5$ purchase.

These mentioned are my expenses. But each one will have their own expenses and own priorities. Hope this helps in determining their own expenses and start increasing their savings. All the best in 2015 :)