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Dave Ramsey – Baby Steps for Financial Peace


It’s been a year-long journey since I first heard about Dave Ramsey’s book “The Total Money Makeover”. My husband and I took the nine weeks Financial Peace University program towards the beginning of this year. Followed by me taking five months to complete Master Coach Certification.

Being an immigrant is not easy, going deaf is not easy, financial stress can cause havoc in marriage, and personal finance is an important knowledge to possess since we live very long lives thanks to great healthcare, preventive care available to us. As part of the festival season and giving back tradition, I am offering free one-hour consultation, message me, to make good use of it.

No more money fights! With Financial Peace University, you and your spouse will learn how to create (and stick to) a budget, save for emergencies, and make a plan for the future. Doesn’t that sound peaceful? I’m offering FPU at Campbell United Methodist Church just for you starting Sunday, January 12, 2020. If you’re interested in learning more, send me a message! You can also visit fpu.com/1104478 to sign up!

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Christmas at Dell


I get really excited about every day stuff, just like my little one Johnny. It is one of those things I made a habits, from reminding and staying in “NOW”. Thanks to Eckhart Tolle and Oprah Winfrey. I was attending “New Earth -Webinars” Oprah did a while back, I believe in 2007.

Anyways each time I pass I smile when I look at our Christmas Tree at work. Did I ever tell you I work for Dell? Selling Cloud Clients/ Thin Clients. By the way we came of up with new product first of its kind “Cloud Client Manager”. You guessed it 🙂 I love working for Dell.

Precious presents, memories, family and Christmas!


The moment you have in your heart this extraordinary thing called love and feel the depth, the delight, the ecstasy of it, you will discover that for you the world is transformed.-J. Krishnamurti.

I saved some precious memories, moments in my memory. When I am sad, I go back there, check out the list in my mind, feel special, loved and try to get out of my blues 🙂 There are many to the list, just a few, I share here…

1.      The toys my father asked his friends and family to bring for me, from far of places for my toy collection. One of those was a set of lions with a daddy lion  and two cubs.

2.      My father also gave me my first Santa Claus, a toy savings bank. He  told me a brief story about  Santa and  Christmas. Back then, I was too little to understand other faiths and religions, let alone my own faith.

3.      My mother stitching me a bright pink long skirt with sparkles on it. It almost took her half-year to make this hand stitched, intricate sparkle design skirt. I loved it and I wouldn’t let go of it from my closet for the next ten years.

4.      My favorite Aunt taking months to teach me to and help me to make my school bag with fine, natural, organic, jute fiber.

5.      My  brother giving me piggy back rides, taking me back home in the dark winter nights from my music class, every times i asked. Some times he would wait for a few seconds and volunteer to give a piggy back ride 🙂

Having precious family memories is one thing but feeling loved by friends in a strange new country and feeling at home is another, don’t you agree? Isn’t this true that sometimes love comes in abundance from the most unexpected places. You just have to open your heart, mind and soul to be ready to receive it?

6.      I couldn’t stop thinking, how special I felt when my best friend in New Zealand, gave me a small set of traditional Paua ear rings.

7.      A very dear American friend gave me a large silver pendent, a cross, we found in Wellington, NZ. Well! We found it went to the closest store and asked them to return it to the owner, if someone comes looking for it. No one showed up to collect it so a few days later they called us and said it belongs to us now. That was the first cross I have collected that was the first year I celebrated Christmas.

8.      My precious older son making a surprise “Mother’s day card” for me.

9.      Someone dear to me, sent me a Christmas present, a very simple set of oven mats, her own hand-made, true American made, precious presents with love. That was my best Christmas present, I loved it. I have never felt such warmth and love, never expected to be received with so much love in a strange country. Almighty and America have been good to me.

Share with me your precious memories, you cherish, that can get you out of your winter blues

Christmas season.


The other day my five-year old asked me a bunch of questions about my family in India. After hearing a bunch of Indian names, he asked if he has an Indian name. Sometimes I wonder how my grandparents lived but I don’t have any written documents, journals about their individual thoughts. I suppose, this blog would serve like a log, gives a glimpse of what we do now, for grandchildren, future Indian American generation. My boys are growing up here and the next generation would be very much American with a tiny bit part of them being Indian.

I just want to be a good Ancestor. It is very important for us to say how much we love our children, grandchildren and the future generations of human race. We don’t say that enough. We need to do this more often. Now! I can pick up and raise a baby from any country, any race, and call him/her as mine, and love her/him forever. It happens in America all the time. So here I repeat again to my future family, to all children, blended, adapted, extended, American, Indian American, Indian, children of all of our human race, whoever you are, wherever you are, you are completely loved and adored just for what you are.

Here I am today, enjoying warm sunny afternoon and the Christmas season. My heart is filled with love for all the babies and the children of this mother earth. You are completely,totally loved. Never question that. And you are never alone. There are always Angels watching over you, wishing and blessing all the love, good fortune and comfort on your way.

“Becoming a mother makes you the mother of all children. From now on each wounded, abandoned, frightened child is yours. You live in the suffering mothers of every race and creed and weep with them. You long to comfort all who are desolate.” – Charlotte Gray.