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Writing anonymously because I have somewhat famous business in Pakistan and I don’t want people to know how big of a coward or asshole I was.I belonged to a rich but conservative family. In my family we were not allowed to mix freely with the opposite sex as my father was very strict in this matter. I studied in the most expensive school of the city. I was an average student who was more into bunking classes then learn anything new. I had money and I had rich friends and those two things meant bad things. In my 2nd year of college, I failed in chemistry. My father was ahsmed of me and asked my mother to get me into some tuition so that I will not be a reason for his shame again. So, I joined Miss Rania tuition in which both boys and girls used to come for tuition.There I saw the most beautiful girl in a scarf. Her eyes a rare shade of grey color. She belonged to an Upper Middle class family but her family was way more conservative than mine. One day I was sitting with my friends and they were teasing me about lack of a girlfriend in my life. Girlfriend were a norm amongst my friends and their families also did not object because one of my friend literally told his mother on telephone that he is with her girlfriend. I was shocked and thought if my parents ever found out that I had these kind of friends then he will definitely kill me. In Pakistan pre-martial sex is extremely frowned upon but my friends used to indulge in these activities quite frequently. Few weeks later, my friends challenged me that I cannot make that beautiful scarfed headed girl my girlfriend. I don’t know what happend, I was tired of their teasing and decided I am ready to get a girlfriend. If they are enjoying why not me.After that day, I started to court that girl, lets call her Jia and me Ahmed. I started to sit upclose to her and passed smiles whenever she looked my way. I thought that she was also into me. I used to steal books from her bag and return it back to her just so I can talk to her. One day Miss Rania gave us am assignment but unfortunately Jia forgot her assignment at home. Before submission I took out my assignment and tore the first page in which my name was written and then wrote her name on the second page and gave my assingment to Jia which she refused to take but I convinced her. After this I asked for her number. She gave it to me. We used to talk daily until 3 to 4 am in the morning. I had a car so I used to go to her college whenever I can so that I could meet her.In this routine few months passed. I was not a religious guy as my family was. But Jia she was an angel and she never used to miss her prayers. One day we planned that after college I will pick her up and spend the day together. We visited Lahore Zoo which was totally different experience with her. She was fun, extremely fun to hang around with.One day we were discussing about my friends and their relationship with their girlfriends.Jia: Why your friends indulge in those activities?Me: Which activities?Jia: You know those like what people do after marriage.Me: *to tease her I asked* *“*What exactly people do after marriage?”Jia: You know don’t be such naive…Me: Do you mean sex?Jia: Yes…Me: I don’t know its their life.Jia: hmm… You know I really love you… *she said shyly.*Me: **Shocked !!**Jia: Say something….Me: How do you know that you love me?Jia: Because I am afraid…Me: What are you afraid of?Jia: That I can cross any limit to be with you. I like your laughter. When I am not with you I only think about you. When you are around me I can’t think straight.Me: Wow. Why didn’t you tell me this before?Jia: I don’t know. I told you now.Me: Well, I love you too if thats what you want to hear.Jia: I don’t want you to say anything that you don’t believe.Me: Ok. Well its getting late I will drop you off.Jia: Ok.Few months later, I don’t know what got into me. I asked Jia something…Me: Jia, I want to ask you something.Jia: Anything jaan. *Jaan = My Life*Me: I want to have sex with you…Jia: **SHOCKED!!!**Me: What?Jia: Why? Why not wait until our marriage?Me: Because it’ll probably be after 5 to 6 years and I don't want to wait that long.Jia: But its a grave sin.Me: I dont know. All my friends are enjoying it why not us?Jia: Because I am not that type of girl. How could you ask me this?Me: Are you not my girlfriend?Jia: I am. but its ridiculous what you’re asking me to do.Me: Yes or No.Jia: What got into you?Me: Yes or No.Jia: No.Me: Ok. Let’s go I’ll drop you to your home.Jia: Ok.Now when I think back how big of an asshole I was. I started to behave rudely with her. I did not show great interest in her activities. One day out of nowhere:Jia: What happend to you?Me: What do you meant?Jia: You were so sweet. What happend Ahmed? Do you not love me anymore?Me: I do love you but I am the same.Jia: No you changed?Me: Is that so?Jia: Yes.Jia: Do you still want to have sex with me?Me: What? Why do you ask?Jia: Just tell me….Me: Yes.Jia: Ok.Me: What Ok?Jia: You can have me.Me: Why? What happend now?Jia: You happend. I cannot be the reason behind you staying angry.Me: wow.Jia: Ahmed, I can do everything for you. I want to give you all the happiness I can but promise me something?Me: Anything…Jia: Don't Ever Break Me.Me: I promise I will not.Aftee dew days on a weekend I took her to my friends apartment and we had sex. After 15 minutes, She started crying. I asked her if she was hurt, what happend. She did not say anything and continued crying. She punched me on my shoulder:Me: What was that for?Jia: Are you happy now?Me: No… I cannot be happy when you’re crying like that.Jia: You had me. You saw me. Everywhere.Me: Are we not supposed to see eachother?Jia: Just drop me home.Me: No. First tell me whats wrong?Jia: JUST DROP ME HOME… she shoutedMe: Okay.After that she did not contact me. When i tried to contact her she would not pick up my call. I was unable to see her at her college because She always came and went with the driver.One day, I received a call from her. I was excited.Me: Hello.Jia: *started crying…*Me: what happend baby?Jia: You happend?Me: Tell me whats wrong?Jia: I think I am pregnant.Me: This is not a good joke.Jia: I am not joking you asshole. I am pregnant.Me: How do you know? We used protection.Jia: I checked. Three times. I am pregnant.Me: Oh my god….Jia: What Am I gonna do?Me: We will take care of it…Jia: what do you mean?Me: I meant we will have an abortion. I know a friend and he ca-Jia: You asshole. You giant prick. You motherfucker… how could you?Me: What?Jia: I already committed a huge sin. I will not commit another grave sin and kill a life.Me: Are you crazy? What you’re gonna do? What about our future?Jia: I don’t know. And she cut the call.After few days, she was in kitchen cooking food with her mother at home. She passed out. They took her to the hospital. In hospital they came to know that their beloved daughter was pregnant.Her mother asked her furiously what happend? She told her everything. Then her father did the most cruel thing. He kicked her out of her home. She went to her friends house. After that her father my father. He told my father everything. My father became so furious with me that he kicked me out of our home too. He kicked me out of the will. When I was on the main door he said to me that I am dead to him. It was just like a movie script. I thought these things happen in Bollywood movies not in real life.Ironically, I went to my friend house with nothing but a backpack. There I called Jia.Me: Jia. You ruined our life…Jia: I ruined. You were the one that wanted to have sex.Me: Blaming eachother won’t solve anything.Jia: What happend?I told her what happened and she told me what happened.Jia: Have I ever asked you of something?Me: *sigh*… No.Jia: You are a Man in our society. Nobody will say anything to you. On the otherhand I will be casted out of the society. This is the sad truth. Please don’t leave me and our child alone. Please do the honorable thing. Marry me and don’t let your child be known as a bastard.Me: How I don’t have anything in my name? What will we do?Jia: Let’s take one step at a time.The next day we got married in court as my friend arranged everything including an apartment for us to at.After 15 days, I got a job in a supermarket working as a salesman. I became fed-up as I use to cater to some of my college friends at this supermarket and their gossips did not went unnoticed. Later on, I dropped out of college because I had no money. I started despising Jia. She used to prepare everything for me when I entered home. She cooked burnt food sometime which used to anger me so much that I would not eat anything.When my son was born, it was one of the best days in my life. But it was short lived as I had no money to pay for maternity ward. I took loan from my two friends.I had a baby.I was in debt.I blamed Jia for everything.After few days, Jia was nursing our boy and I was sitting on a sofa deep in thought. She asked me we need to prepare a nursery for our boy. I became furious with her. I yelled at her that we don’t have enough money for food and she wanted to build a nursery. I told her this cannot be my life. This cannot be my son’s life.She was just smiling looking at our son, I asked her furiously why you’re smiling? She just looked at me and said “Why I will not smile, I have a beautiful boy and the guy I love is my husband. I would never trade it for anything in the world”Her words changed my thinking and attitude. Why she loves me so much? What have I done to deserve her love?From that day, I started working hard to give my wife and child the life that they deserve. In addition to my job in supermarket, I took an internship with an Advertising Agency. I worked so hard for the last 11 years that now I have my own Digital advertising firm and sales training company. I have total of 41 employees working for me.I had two more beautiful boys with Jia. The one thing I still regret is our families still haven’t forgiven us. I meet my mother and brother all the time and they keeps me updated. I just wish Jia’s father and my father could forgive us.I regret that I forced Jia to have sex with me.I regret that I doubted her love for me.I regret that I brought shame to my father.I regret that people questioned Jia’s character because of me.I regret that I treated Jia so horribly.There are many things I regret but I forget these regrets when I look at Jia’s smiling face and my three cute boys. Life works in mysterious ways. I just hope our fathers forgive us and my children can know the great love of a grandfather.

Great question! In general, books will be more helpful for establishing a foundation of knowledge on personal finance and investing.A lot of websites out there (but not all) about personal finance are selling something. In my opinion they tend to be more biased and less helpful.I prefer to read books for knowledge, and use digital tools/websites to manage and monitor my finances. Here are a list of books that can keep you busy for a while!Books:My wife makes fun of me often for reading personal finance books in my free time. Hey, I love it, and the knowledge I’ve gained has helped me to pay off debt, save every month, and invest the difference.Here are some books I recommend, listed by category:(Books I’ve read or am currently working on)Classics: These decades-old books include time-tested adviceThe Richest Man in Babylon - by George S. Clason. Quick read, timeless advice. You can buy the audiobook on Audible for $2.99, or the kindle version for $1.99.The Millionaire Next Door - by Thomas Stanley. Great analysis from studies of hundreds of America’s millionaires. You’ll be surprised at how “normal” most of these millionaires are.Think and Grow Rich - by Napoleon Hill. Hill was commissioned to write this book by the great Andrew Carnegie. It delivers and is quoted widely for the insights on how to become and stay wealthy.Proverbs - The Bible (by Solomon?). You’d be surprised how much great financial advice is in this book of wise sayings that’s over 2 millennia old.Money Mindset: Use these books to think correctly about moneyRich Dad, Poor Dad - by Robert Kiyosaki. This book will overturn a lot of the money myths you may believe.Think and Grow Rich - by Napoleon HillSet for Life - Scott Trench. Good book from a young-up and comer about how to achieve financial independence at an early age.Frameworks: Use these to develop a simple framework to build wealthThe Total Money Makeover - by Dave Ramsey. Dave Ramsey lays out 6 steps to build a strong financial foundation, grow wealthy, and give generously. I love this book, and have also read many books by him.The Automatic Millionaire - by David Bach. A straightforward plan to automatically build wealth. Bach is a great storyteller and takes advantage of new technology to remove the biggest enemy of building wealth - yourself!Money: Master the Game - by Tony Robbins. I had super low expectations of this book, but it blew me away. Tony interviews a set of financial giants, includes great tactics for creating and growing wealth, and mixes in dashes of inspiration and entertainment. It’s also over 600 pages long. You may want to start with his abridged money book - UnshakeableHow to Invest: Once you’ve started building wealth, you’ll want a good strategy to grow it. These are good reads on passive investing.The Investment Answer - Gordon Murray, Daniel Goldie. I read this on an hour long plane flight. Data driven easy read. Great starting point to help you avoid many missteps.If You Can - William Bernstein. Even easier read. This 20 page PDF is meant for Millennials to get the next generation of investors started, and includes a few longer reading assignments.Common Sense on Mutual Funds - Jack Bogle. This dense tome by the founder of the Vanguard Group should sway you toward picking low-cost, highly diversified index funds.The Snowball: Warren Buffett on the Business of Life - Alice Schroeder. I just finished this biography of the Oracle of Omaha and it was a spectacular lesson in the power of time, compound interest, and prudent investing to create massive wealth.Bonus: Real Estate InvestingReal estate investing has recently become a passion of mine. The Millionaire Real Estate Investor by Gary Keller is an excellent read from one of the founders of Keller-Williams, one of the leading international real estate companies.Websites: Here are some of the resources I use for managing my finances and learning more about money.Mint.com: One of the original fintech players, I’ve used Mint for budgeting since 2013 and still build and track my monthly budget here with my wife. Mint is awesome. Just don’t sign up for credit cards or the other offers, they probably won’t leave you better off financially. For your day to day life, I find Mint indispensible, for my longer term goals and big picture financial planning I use…BrightPlan.com: I work for BrightPlan, so that makes me biased toward our financial planning tools. I use BrightPlan to track my savings progress and probability of success of signNowing all my major financial goals (retirement, buying a home, buying rental real estate, big travel plans, and (maybe) buying a Model 3 in a few years). I also use BrightPlan to automate investing toward a couple of those goals, and track my net worth on a regular basis.Unlike Mint, BrightPlan costs $20 per month after the first month. If you’re looking for free tools for financial tracking/portfolio monitoring Personal Capital is strong. You just won’t be able to start investing with them for less than $100,000.Other Sites:Mr. Money Mustache: The Original Financial Independence Blog. MMM will challenge you and help you out with a lot of insights on how to live a great financial life.Bogleheads: A great community dedicated to the teachings of the Prophet of Passive Investing, Jack Bogle!Reddit/personal finance: Another great community to ask your questions about personal finance. Easy to get lost in reading here.BiggerPockets: A one stop shop for all things real estate investing.If this answer helped you, please give it an upvote! If not, please comment with a suggestion or ask me your specific questions - I’d love to help.

The 100 Rules for Being a First-Time EntrepreneurIf you Google “entrepreneur” you get a lot of mindless cliches like “Think Big!” For me, being an “entrepreneur” doesn’t mean starting the next “Faceook”. Or even starting any business at all.It means finding the challenges you have in your life, and determining creative ways to overcome those challenges. However, in this post I focus mostly on the issues that come up when you first start your company. These rules also apply if you are taking an entrepreneurial stance within a much larger company (which all employees should do).Just as good to be an “entreployee” as an “entrepreneur”. Either one will help you survive this world of increased economic uncertainty.For me, I’ve started several businesses.Maybe 17 have failed out of 20. I fail quickly. I fail frequently. Entrepreneurship is a sentence of failures punctuated by brief success.I’m invested in about 28 private companies. I’ve advised probably another 50 private companies. I’m on the board of several private companies and one public company. The companies ranging from $0 in revenues to a billion in revenues.Along the way I’ve compiled a list of rules that have helped me deal with every aspect of being an entrepreneur in business and some in life.Here’s the real rules:A)        It’s not fun. I’m not going to explain why it’s not fun. These are rules. Not theories. I don’t need to prove them.But there’s a strong chance you can hate yourself throughout the process of being an entrepreneur. Keep sharp objects and pills away during your worst moments. And you will have them. If you are an entrepreneur and agree with me, please note this in the comments below.B)        Try not to hire people. You’ll have to hire people to expand your business. But it’s a good discipline to really question if you need each and every hire.C)       Get a customer. This seems obvious. But it’s not. Get a customer before you start your business, if you can.So many people say to me, “I have an idea. Can you introduce me to VCs?”There is a HUGE gap between “idea” and “professional venture capital”.In the middle of that gap is “customer”.D)        If you are offering a service, call it a product.Oracle did it. They claimed they had a database. But if you “bought” their database they would send in a team of consultants to help you “install” the database to fit your needs.In other words, for the first several years of their existence, they claimed to have a product but they really were a consulting company. Don’t forget this story. Products are valued higher than services.And almost EVERY major software product company was a service company in the beginning. Don’t forget that.E)       It’s OK to fail. Start over. Hopefully before you run out of money. Hopefully before you take in investor money. Or, don’t worry about it. Come up with new ideas. Start over.F)         Be profitable. Try to be profitable immediately. This seems obvious but it isn’t. Try not to raise money. That money is expensive.G)        When raising money: if it’s not easy then your idea is probably incapable of raising money. If its easy, then take as much as possible. If its TOO easy, then sell your company (unless you are Twitter, etc).(if its too easy, sell your company)H)        The same goes for selling your company. If it’s not easy, then you need to build more. Then sell. To sell your company, start getting in front of your acquirers a year in advance. Send them monthly updates describing your progress. Then, when they need a company like yours, your company is the first one that comes to mind.Don’t be like that guy in the TV show “Silicon Valley”. If someone offers you ten million for a company that has no revenues, then sell it. Not everything is going to be a Facebook. And even the Google guys tried to sell their company for ONE MILLION DOLLARS to Yahoo before they were revenue positive.SELL THE COMPANY.I)          Competition is good. It turns you into a killer. It helps you judge progress. It shows that other people value the space you are in. Your competitors are also your potential acquirors.J)         Don’t use a PR firm. Except maybe as a secretary. You are the PR for your company. You are your company’s brand. You personally.I’ve never had a good PR company. I’ve had good PR secretaries. But they are cheaper. One time I hired a PR company and they accidentally sent me the contract for Terry Bradshaw. He was paying $10,000 a month. How did they do for him?K)        Communicate with everyone. Employees. Customers. Investors. All the time. Every day.Employees want to know what to do. And they want to know you are thinking of their overall career.Customers want to know how to keep their bosses calm.Investors want to be your friend and want to know they can count on you when time’s are tough.L)         Do everything for your customers. This is very important.Get them girlfriends or boyfriends. Speak at their charities. Visit their parents for Thanksgiving. Help them find other firms to meet their needs. Even introduce them to your competitors if you think a competitor can help them or if you think you are about to be fired. Always think first, “What’s going to make my customer happy?”Note: EVEN if that means introduce them to a competitor. If you are the SOURCE, then everybody comes back to the source.M)        Your customer is not a company. There’s a human there. What will make my human customer happy? Make him laugh. You want your customer to be happy.N)        Show up. Go to breakfast/lunch/dinner with customers. Treat.O)        History. Know the history of your customers in every way. Company history, personal history, marketing history, investing history, etc.P)         Micro-manage software development. Nobody knows your product better than you do. If you aren’t a technical person, learn how to be very specific in your product specification so that your programmers can’t say: “well you didn’t say that!”Q)        Hire local. You need to be able to see and talk to your programmers. Don’t outsource to India. I love India. But I won’t hire programmers from there while I’m living in the US.R)        Sleep. Don’t buy into the 20 hours a day entrepreneur myth. You need to sleep 8 hours a day to have a focused mind.If you are working 20 hours a day, then that means you have flaws in how you are managing your time. You can argue about this but it’s true.S)         Exercise. Same as above. If you are unhealthy, your product will be unhealthy.T)         Emotionally Fit. DON’T have dating problems and software development problems at the same time. VCs will smell this all over you.U)        Pray. You need to. Be grateful where you are. And pray for success. You deserve it. Pray for the success of your customers. Heck, pray for the success of your competitors. The better they do, it means the market is getting bigger. And if one of them breaks out, they can buy you.V)       Buy your employees gifts. Massages. Tickets. Whatever. I always imagined that at the end of each day my young, lesbian employees (for some reason, most employees at my first company were lesbian) would be calling their parents and their mom and dad would ask them: “Hi honey! How was your day today?” And I wanted them to be able to say: “It was the best!” Invite customers to masseuse day. W)       Treat your employees like they are your children. They need boundaries. They need to be told “no!” sometimes. And sometimes you need to hit them in the face (ha ha, just kidding). But within boundaries, let them play.X)        Don’t be greedy pricing your product. If your product is good and you price it cheap, people will buy. Then you can price upgrades, future products, and future services more expensive. Which goes along with the next rule.Y)        Distribution is everything. Branding is everything. Get your name out there, whatever it takes. The best distribution is of course word of mouth, which is why your initial pricing doesn’t matter.Write a blog about your industry and be very honest about all the flaws (even your own) that is currently in your industry.Authenticity is the best branding.Z)         Don’t kill yourself. It’s not worth it. Your employees need you.Your children or future children need you. It seems odd to include this in a post about entrepreneurship but we’re also taking about keeping it real.Most books or “rules” for entrepreneurs talk about things like “think big”, “go after your dreams”. But often dreams turn into nightmares. I’ll repeat it again. Don’t kill yourself. Call me if things get too stressful. Or more importantly, make sure you take proper medicationAA)     Give employees structure. Let each employee know how his or her path to success can be achieved. All of them will either leave you or replace you eventually. That’s OK. Give them the guidelines how that might happen. Tell them how they can get rich by working for you.BB)      Fire employees immediately. If an employee gets “the disease” he needs to be fired. If they ask for more money all the time. If they bad mouth you to other employees. If you even think they are talking behind your back, fire them.The disease has no cure. And it’s very contagious. Show no mercy. Show the employee the door. There are no second chances because the disease is incurable.I don’t say this because I want anyone to be hurt. But if you’ve followed the rules above then you are treating employees well already. NOBODY should spread the disease and badmouth you or your customers.CC)      Make friends with your landlord. If you ever have to sell your company, believe it or not, you are going to need his signature (because there’s going to be a new lease owner)DD)     Only move offices if you are so packed in that employees are sharing desks and there’s no room for people to walk.EE)      Have killer parties. But use your personal money. Not company money. Invite employees, customers, and investors. .FF)       If an employee comes to you crying, close the door or take him or her out of the building. Sit with him until it stops. Listen to what he has to say. If someone is crying then there’s been a major communication breakdown somewhere in the company. Listen to what it is and fix it. Don’t get angry at the culprit’s. Just fix the problem.(you don’t want your employees to be sad.)GG)     At Christmas, donate money to every customer’s favorite charity. But not for investors or employees.HH)     Have lunch with your competitors. Listen and try not to talk. One competitor (Bill Markel from Interactive 8) once told me a story about how the CEO of Toys R Us returned his call. He was telling me this because I never returned Bill’s calls. Ok, Bill, lesson noted.II)        Ask advice a lot. Ask your customers advice on how you can be introduced into other parts of their company. Then they will help you. Because of the next rule…JJ)        Hire your customers. Or not. But always leave open the possibility. Let it always dangle in the air between you and them. They can get rich with you. Maybe. Possibly. If they play along. So play.KK)     On any demo or delivery, do one extra surprise thing that was not expected. Always add bells and whistles that the customer didn’t pay for.This is such an easy way to over deliver I’m surprised people don’t do it 100% of the time. They do it maybe 1% of the time. So this is an easy way to compete and surprise and delight.LL)      Understand the demographic changes that are changing the world. Where are marketing dollars flowing and can you be in the middle. What services do aging baby boomers need? Is the world running out of clean water? Are newspapers going to survive? Etc. Etc. Read every day to understand what is going on.LLa) Don’t go to a lot of parties or “meetups” with other entrepreneurs. Work instead while they are partying.MM)    But, going along with the above rule, don’t listen to the doom and gloomers that are hogging the TV screen trying to tell you the world is over. They just want you to be scared so they can scoop up all the money.NN)     You have no more free time. In your free time you are thinking of new ideas for customers, new ideas for services to offer, new products.OO)     You have no more free time, part 2. In your free time, think of ideas for potential customers. Then send them emails: “I have 10 ideas for you. Would really like to show them to you. I think you will be blown away. Here’s five of them right now.”OOa) Depressions, recessions, don’t matter. There’s $15 trillion in the economy. You’re allowed a piece of it:FedEx, Microsoft, HewlettPackard, and many huge companies were started in recessions or depressions. Leave economics to the academics while they leave good business to you.PP)       Talk. Tell everyone you ever knew  what your company does. Your friends will help you find clients.QQ)     Always take someone with you to a meeting. You’re bad at following up. Because you have no free time. So, if you have another employee. Let them follow up. Plus, they will like to spend time with the boss. You’re going to be a mentor.RR)      If you are consumer focused: your advertisers are your customers. But always be thinking of new services for your consumers. Each new service has to make their life better. People’s lives are better if: they become healthier, richer, or have more sex. “Health” can be broadly defined.SS)       If your customers are advertisers: find sponsorship opportunities for them that drive customers straight into their arms. These are the most lucrative ad deals (see rule above). Ad inventory is a horrible business model. Sponsorships are better. Then you are talking to your customer.TT)      No friction. The harder it is for a consumer to sign up, the less consumers you will have. No confirmation emails, sign up forms, etc. The easier the better.TTA) No fiction, part 2. If you are making a website, have as much content as you can on the front page. You don’t want people to have to click to a second or third page if you can avoid it. Stuff that first page with content. You aren’t Google. (And, 10 Unusual Things You Didn’t Know About Google)UU)     No friction, part 3. Say “yes” to any opportunity that gets you in a room with a big decision maker. Doesn’t matter if it costs you money.VV)     Sell your company two years before you sell it. Get in the offices of the potential buyers of your company and start updating them on your progress every month.  Ask their advice on a regular basis in the guise of just an “industry catch-up”WW)    If you sell your company for stock, sell the stock as soon as you can. If you are selling your company for stock it means:a.         The market is such that lots of companies are being sold for stock.b.         AND, companies are using stock to buy other companies because they value their stock less than they value cash.c.         WHICH MEANS, that when everyone’s lockup period ends, EVERYONE will be selling stock across the country. So sell yours first.XX)     Execution is a dime a dozen. If you have an idea worth pursuing, then just make it. You can build any website for cheap. Hire a programmer and make a demo. Get at least one person to sign up and use your service. If you want to make Facebook pages for plumbers, find one plumber who will give you $10 to make his Facebook page. Just do it.Fail quickly. Good ideas are HARD. It’s execution that is a dime a dozen.YY)     Don’t use a PR firm, part II. Set up a blog. Tell your personal stories (see “33 tips to being a better writer” ). Let the customer know you are human, approachable, and have a real vision as to why they need to use you. Become the voice for your industry, the advocate for your products. If you make skin care products, tell your customers every day how they can be even more beautiful than they currently are and have more sex than they are currently getting. Blog your way to PR success. Be honest and bloody.ZZ)      Don’t save the world. If your product sounds too good to be true, then you are a liar.ZZa) Your company is always for sale.AAA)  Frame the first check. I’m staring at mine right now.BBB)   No free time, part 3. Pick a random customer. Find five ideas for them that have nothing to do with your business. Call them and say, “I’ve been thinking about you. Have you tried this?”CCC)   No resale deals. Nobody cares about reselling your service. Those are always bad deals.DDD)   Your lawyer or accountant is not going to introduce you to any of their other clients. Those meetings are always a waste of time.EEE)    Celebrate every success. Your employees need it. They need a massage also. Get a professional masseuse in every Friday afternoon. Nobody leaves a job where there is a masseuse.FFF)     Sell your first company. I have to repeat this. Don’t take any chances. You don’t need to be Mark Zuckerberg. Sell your first company as quick as you can. You now have money in the bank and a notch on your belt. Make a billion on your next company.Note Mark Cuban’s story. Before he started Broadcast and rode it to a few billion, he sold his first software company for ten million.GGG)   Pay your employees before you pay yourself.HHH)   Give equity to get the first customer. If you have no product yet and no money, then give equity to a good partner in exchange for them being a paying customer.  Note: don’t blindly give equity. If you develop a product that someone asked for, don’t give them equity. Sell it to them. But if you want to get a big distribution partner whose funds can keep you going forever, then give equity to nail the deal.III)       Don’t worry about anyone stealing your ideas. Ideas are worthless anyway. It’s OK to steal something that’s worthless.IIIA) Follow me on twitter.Questions from ReadersQuestion: You say no free time but you also say keep emotionally fit, physically fit, etc. How do I do this if I’m constantly thinking of ideas for old and potential customers?Answer:  It’s not easy or everyone would be rich.Question: if I get really stressed about clients paying, how do I get sleep at night?Answer: medicationQuestion: how do I cold-call clients?Answer: email them. Email 40 of them. It’s OK if only 1 answers. Email 40 a day but make sure you have something of value to offer.Question: how can I find cheap programmers or designers?Answer: if you don’t know any and you want to be cheap: use Hire Freelancers & Find Freelance Jobs Online, Elance, or craigslist. But don’t hire them if they are from another country. You need to communicate with them even if it costs more money.Question: should I hire programmers?Answer: first…freelance. Then hire.Question: what if I build my product but I’m not getting customers?Answer: develop a service loosely based on your product and offer that to customers. But I hope you didn’t make a product without talking to customers to begin with?Question: I have the best idea in the world, but for it to work it requires a lot of people to already be using it. Like Twitter.Answer: if you’re not baked into the Silicon Valley ecosystem,  then find distribution and offer equity if you have to. Zuckerberg had Harvard. MySpace had the fans of all the local bands they set up with MySpace pages. I (in my own small way) had Stock Market - Business News, Market Data, Stock Analysis - TheStreet when I set up Stockpickr! Your Source for Stock Ideas. I also had 10 paying clients when i did my first successful business fulltime.Question: I just lost my biggest customer and now I have to fire people. I’ve never done this before. How do I do it?Answer:  one on meetings. Be Kind. State the facts. Say you have to let people go and that everyone is hurting but you want to keep in touch because they are a great employee. It was an honor to work with them and when business comes back you hope you can convince them come back. Then ask them if they have any questions. Your reputation and the reputation of your company are on the line here. You want to be a good guy. But you want them out of your office within 15 minutes. It’s a termination, not a negotiation. This is one reason why it’s good to start with freelancers.Question: I have a great idea. How do I attract VCs?Answer: build the product. Get a customer. Get money from customer. Get more customers. Build more services in the product. Get VC. Chances are by this point, the VCs are calling you.Question: I want to build a business day trading.Answer: bad ideaQuestion: I want to start a business but don’t know what my passion is:Answer: skip to the post: “How to be the luckiest person alive”. Do the Daily Practice. Within six months your life will be completely different.Question: I want to leave my job but I’m scared.Answer: same as above question.  The Daily Practice turns you into a healthy Idea Machine. Plus luck will flow in from every direction.Final rule: Things change. Every day. The title of this post, for instance, says “100 Rules”. But I gave about 70 rules (including the Q&A). Things change midway through. Be ready for it every day. In fact, every day figure out what you can change just slightly to shake things up and improve your product and company.Your business is not your life. When you start a business you also get a cognitive bias that makes you think your business is GREAT.Every day make sure you are not smoking crack. The most important thing is your health so you can be persistent. If you smoke crack you can die.I hope you succeed. Because I really need that smart toilet that sends my doctors text messages after doing urinalysis on my pee every day.Good luck.

"What is a database administrator(DBA) or how to become one?" are the questions people ask me when they find out I am a DBA. I have been working as a DBA for a while and love everything about it. This blog answers both the questions, along with my experience on how I started my career in database.What is a DBA?DBA stands for Database Administrator who is solely responsible for everything listed below and much more. You should have hands-on working knowledge of the following responsibilities in at least one of the relational database management systems to become a DBA.Database Availability: An application pulls data from a database to display or to generate a report. Companies cannot afford the database to remain offline. Without database, the application can't remain online. Database availability is one of the key responsibilities of a DBA.Database Backup: What happens when your hard drive crashes and you do not have a good backup of your documents, pictures, music, etc.? It is important to make a backup of existing database every single day. Making multiple copies of a backup and storing them in different location is a good practice. Hot backup and cold backup are two types of backup strategies for backing up a database. Database backup is automated through a scheduled job which runs nightly or weekly.Database Restore: Restoring is a process of building a database from a backup copy. Backup is done to protect data from data corruption, hardware/media failure or natural catastrophe. Time and again, DBA is required to restore database from a backup to practice restoring process. The successful restore process validates the backup copy is corruptions free which you won't know without restoring it.Database Design: A good database design might take a while but it saves a lot of headache later. Application developer should consult their design with DBA or involve DBA early in their designing process. Good database design makes the applications highly scalable, more maintainable, highly secure, and perform faster.Data Move: Organizations have various need for moving data from one database to another. The most frequent request is to move data from production database to development database in order for the developer to test their application before pushing the change to production. Sometime data movement are done to archive date in a history table, to make a backup of existing data, to store data in data warehouse for reporting and analyzing. Database link, Export-Import, Materialized View, custom script, and SSIS, Informatica are some of the Extract Transport Load (ETL) tools used widely these days.Database Upgrade: You all might have a smartphone with Android, Windows, or IOS Operating System. Every year or so, they release a new version of OS and we are notified to upgrade to the latest and greatest version of OS. The newer version covers all or most of the problems which older version had and may add few more features. Similarly, DBAs are required to upgrade their database with a newer version of database. However, I will wait few months before upgrading to a new version. Oracle and SQL server won’t provide support if you are running your database on older version.Database Patch: Database is a software which can never be a perfect. The database company constantly works on to improve or secure their product. Database vendor release a patch to resolve a known bug, add features or to tighten the security. DBA are required to monitor these patch releases from these vendors, test it and apply to their databases.Train Developer: Application and Developers are frequent users of your databases. Developers are your client. They are very good at what their title states but may not have good exposure to database best practices. Database administrators are the ones who should educate the developers about database best practices and standards, do's and don'ts. The correct design from early on will help DBA and Developer in the long run. Both database and applications are more manageable, faster and secure when the database design is correct.Query Tuning: Tuning is a process of making your query run faster without putting extra overhead to database. Tuning a SQL query is an art that comes with experience. Following correct database practices, knowing the data, and the query result helps you to write the most optimized query. Most databases come with a tool to display how the db is executing your query. The simple rule is to avoid table scan and make the query use index where possible. Again, this depends on the data size and the query result. Materialized view is another database object to make your query faster. How do you gain performance using materialized view? Not all query can become faster using materialized view. The query that does calculation benefits the most. Instead of running the calculation every time the query is executed, Materialized view stores the result. Query re-write, use of cursor, temp table, or database re-design are few ways to make your query run like a champs.Database Tuning: It is a process done to optimize the performance of a database. This is strictly done by a system dba on a db and server level. Adjusting temp database size, requesting proper memory, processor, hardware and database configurations are some of the examples of database tuning. This is done to run your query fast without much overhead. This is an ongoing process and a DBA should always looks for ways to improve the performance.Database Security: Security is a top priority for any company. Is your database secure? You have heard the horror stories about Sony,Target, eBay etc. They are experiencing a bsignNow in customer accounts including Credit Cards, Social Security number, email. DBAs team should always work with security team to ensure they are in compliance and the db is secure for both external attack and internal attack. Creating a database user account with a minimum privilege is one way to protect the database from internal database users. Security is a complex topic and most companies these days employ full-time DBA just to protect database from vulnerability, malware, and cyber-attack.Capacity Planning: Capacity planning accommodates for future growth. The growth can be a database users, applications users, or data itself. DBA needs to make sure that they have enough disk space, memory, processor, and bandwidth to support the company's growth. It is always good to overestimate than underestimate it. Poor planning can cost you a job, the database may not perform at its optimal, and may crash anytime.Database Monitoring: Monitoring is done to ensure the database is running without a problem. I normally monitor db when I am running complex queries, building indexes, moving data, etc. You can monitor the database jobs, table lock, I/O, and the problem queries. Monitoring is done to identify problem queries. Each database comes with a tool to monitor it or there are after market tools you can use for free or some fee.Error Log Review: Error logs are where the errors are spit out and every database management system has it. DBA should review and monitor early in the morning and throughout the day. Anywhere you see error, you should fix it asap. Reviewing the error logs is one way to find out the problem queries. A good DBA will send a page to themselves or to the team when the word “error” is logged in a log file.And Much More: DBA roles and responsibilities do not end here. The above mentioned bullet points are just some of the core responsibilities of a DBA. Occasionally, DBAs are required to work with system administrator, network administrator and some other IT department to help the troubleshoot. DBA should have the good knowledge of Operating Systems and IT networking concepts. DBAs are required to know scripting languages like shell scripting, awk, and Linux command to automate the task. Knowing the programming languages that your developer use is your company is a huge bonus.How To Become A DBA?The easy part of defining the roles and responsibilities of a DBA is done. Now, this section talks about how you are going to master these responsibilities and become a DBA.Database Installation: Everyone who wants to learn database must install a relational database management systems like Oracle, Sql Server, or MySQL in their home PC. These are some of the popular relational databases in market. Each company makes a free lightweight version for you to try like Oracle Express, SQL Server Express or MySQL. Decide the one you would like to learn and install it. Installing express edition is easy and you will find the installing instructions from their sites or you can search online for instructional videos if you prefer to learn by watching.Learn SQL: SQL stands for Structure Query Language for accessing database. Learning SQL is the first step towards becoming a database professional. You are required to know data definition language(DDL) and data manipulation language (DML). DBA uses SQL all the time. SQL is a query language that works with most Relations DBMS systems available. This is like “learn once and apply in all DBMS” technology. I cannot stress enough on how important it is to learn SQL before you begin to learn DBA work. W3schools is my one stop go-to bible for learning SQL. I recommend w3schools to anyone who wish to learn, it is easy to follow and completely free to use.Database Concepts: What are database concepts? You have picked your horse, now is the time to ride it. Learn the architecture of the database you installed. Know how your query are processed and executed. Get yourself familiar with the database concepts like primary key, foreign key, database integrity, database logs, indexes, views, and synonyms, backup and restore error code and messages, etc. There's no way I can list them all. I recommend reading books on database concepts. Books are more organized versus looking up online. Again, these concepts are the not database specifics, therefore you can apply these concepts on any relational DBMS. I started out with Oracle. Now, I manage SQL Server and MySQL. The concepts that I learned with Oracle still applies to these databases with minor differences.Online Document: Database companies like Oracle, DB2, and SQL Server have their official sites with technical documents and white papers. These documents cover the db features, syntax, how-to's, and everything that DBA and developers required to know to perform their tasks. You will need to get familiar with these documents. These documents are detailed and very long to follow.With practice and experience you will know what and where to look in a document. If you are learning Oracle DBA, you should get familiar with Oracle documents through their reference page. Do not refer to third party sources like blogs while you are learning. They may not have the latest and greatest information. Blogs or other unofficial sites are something you will want to navigate later. I would always refer to official documents which as are kept up-to-date with least errors.Practice, Practice, and More Practice: You have installed a database of our choice, learned SQL, understood database concepts and architecture, and got familiar with the official online documents. If you are reading this, then you made a big commitment to become a DBA. Now is the time to get your hands dirty. Here, you practice to make a backup & recovery, database design, data migration, upgrade, database and query tuning, monitoring, and everything that was discussed under roles and responsibilities.Online Training: Whatever you did so far is good enough to get a job as a junior DBA. In order to get a step further but now you need to lean more. You have done so much to get here and the journey does not stop here. You will need to further enhance your knowledge but you must be tired already to learn own your own. Now is the time to find a trainer. I usually use an online trainer because it saves time and I can get the training done from the comfort of my home. Find the best trainer and learn it from the best. Don't be afraid of paying extra; you will know why they are charging more after the training.User Group: You have jobs that you are comfortable with. The online training is done. You will need to keep yourself updated on database technologies which changes so fast. Around your city find the user group like Oracle or SQL Server or whatever db you are going to administer. Sign up and participate in their monthly meetings and workshops. This is where you will meet and network with professionals like you. What do they do in User Group meetings? The user group discusses the problem that their company is having or the new product launch or database best practices, etc. This is a good place to ask questions and answer anything you know. You will learn more by asking and answering questions.Reading & Writing Blogs : Remember, I asked you to hold off on reading blogs, but now is the time to navigate a good blog and start following it. Blogs will teach you the tips and tricks and the real production issues. This is how blogs are different from the online documents.I enhance my knowledge is by sharing with the communities and this is how my blog was born. You can start blogging about the problems and the projects you worked on. There are free blogging sites that you can get started in minutes. Blogger and WordPress are two popular blogging sites that are easy and free to use.Other: The other ways of learning involve talking to senior DBA of a company, Twitter, Facebook page, Google plus, attending annual conferences, training, certifications, and workshops. If you are still alive, you will make a good DBA!!My Own ExperienceAren't you excited to know how I made my career into a database? Right after college, I applied for several DBA positions and guess what I got? Too many rejections, which I called them love letters. I wasn't even called for an interview. That was a depressing moment that I had to go through right after graduation. I thought I have done something wrong somewhere. Later on, I found out that I had no prior industry experience on database nor any projects in school that were related to database.Clearly, whatever I learned in school wasn't enough to get a job. There were no internships or entry-level DBA positions which I could apply for. Even today, not many companies offer entry-level DBA or database developer positions because they don’t want any newbies playing with their data. Data is the most valuable asset of any organization, and without data, they are nothing. I now know exactly why the hiring managers are scared of hiring entry level database administrators.By that time, I had realized there was no way of getting a position in database and that I needed to focus on something where they would take fresh graduates. During my undergraduate school, I had to take tons of programming classes even though I never enjoyed the projects & assignments. After revamping my resume, I was able to land in an application developer position in a reputed corporation.As an application developer, I got exposed to various programming languages, internal tools, databases, great mentors, and some training opportunities. I enjoyed the developer position which was more fun than my school projects. I made my way up to a senior developer position after few years. While working on application development projects, I had to work closely with DBA, System Admin, and IT nerds from other department. This gave me an opportunity to explore different DBA roles and responsibilities. After showing interest in DBA position, the DBA manager let me shadow his team and this eventually helped me make an informed decision to pursue a career in database.I also completed Oracle Database System Certification course from a Community College while working full-time. In addition to this, I installed Oracle database and practiced what my DBA taught me. I started exploring online Oracle communities, Oracle blogs, and online documents. These helped me learn a lot about DBA work even though I wasn't working as one. It took me 6 full years to land into a database career, but I thoroughly enjoyed the journey that I took to get there. I am now a DBA and a mentor for a top company in the United States.Database Administrator is a hot career and makes a fairly good starting salary. If you are still reading this article, you have learned that there is no easy way to become a DBA. Becoming a DBA requires a lot of hard work, practice, a learning mindset, and patience. Do not get discouraged. Just work hard and stay focused. You can get to where you want in your career. Learning to become a dba is not rocket science and it is not a brain surgery. It is database, nothing morePS: I unpack more database tips and tricks in www.dbarepublic.com

“What programming languages should I learn if I want to make a software that can help me accomplish my work on a computer automatically?”The answer to this question depends greatly on the computer, the work, and how people are going to use your software.Here are a few examples that I have encountered as a software engineer in order from basic office work to software development work. Language names are bolded. Keep in mind that each solution I provide is certainly one of many options.I want to automate the transformation of some MS Excel tables and data in a way that cannot be done with a formula. (Or I want to automate saving/sending/altering emails in MS Outlook in a way that cannot be done with rules.)Solution: write a VBA (Visual Basic for Applications) macroI want to automate the transformation or extraction of some data from MS Excel or Word into another program or file type on a Windows computer.Solution: write a Powershell script possibly combined with a VBA macroI want to automate actions on a website (signing in, clicking a button, making a purchase, etc).Easy but unreliable solution: record a Selenium script using the Selenium browser extension and paste it into a Java application.More involved but more reliable solution: inspect the web page and the remote calls it makes during the action. Then construct an HTTP request with a tool like Postman (Windows/Mac/Linux) or cUrl (MAC/Linux) and execute that when needed. If using curl, it can be further automated by placing the command inside a cron job or shell script.Note that these require a basic understanding of how the web works.I want to automate data transfer from an Excel file to a database.Solution: if you have proper architecture for this, it should all really be happening on a Linux box. In that case, use a shell script to change the formal from xls/xlsx to csv. Then add commands to the script to load the data using the database specific tools (sqlloader for oracle, isql for sybass, bulk loader for mssql, a curl call to the bulk endpoint for elasticsearch, etc)So, the real answer is you can use almost anything but I would say starting with the system-specific shell language (powershell/shell script) would be most advantageous. If you’re just working in Microsoft applications then VBA might be sufficient.

Stock Market is divided into three parts (on the basis of their revenue, asset, net profit and market capital):1. Large Cap such as Reliance Ind, Tata Motors, Tata Steel, Hindalco etc.,2. Mid Cap such as Bharat Forge, Titan, Tech Mahindra etc.,3. Small Cap such as Motherson Sumi, Soya Koyo, Hanung Toys etc.,Further, these companies are divided on the basis of their sector such as 1.Metal Sector ( Ferrous: Tata steel, Sail, Jindal Steel etc and Non-ferrous: Hindalco, Nalco, Sterlite etc)2. Automobile Sector: (4 wheeler: Tata Motors, Mahindra, Ashok Leyland and 2 wheeler: Bajaj Auto, Hero, TVS etc)3. Aviation Sector: Jet Airways, Spicejet, Kingfisher4. FMCG Sector: ITC, HUL, Dabur etc5. Banking Sector: SBI, Axis, ICICI, IDBI, etc6. Oil & Gas Sector:Reliance Ind, ONGC, MRPL, HP, BP, Cairn India etc7. Power Sector: NTPC, Tata Power, Reliance Power, NHPC etc8. Cement Sector: Ultratech Cement, ACC, Ambuja etc9. IT Sector: TCS, Infosys, Wipro, HCL etc10. Pharma Sector: Dr Reddy, GlaxosmithKline, Lupin, Sun Pharma, Ranbaxy etc11. Telecom Sector: Bharti Airtel, IDEA, Reliance Comm, Tata Tele etc& many more sectors such as Infrastructure (DLF, Unitech), Toys & Textiles, Engineering Sector (BHEL, L&T) etcBefore investing, you must analyse the market for atleast 6 months or you can take advise from the broker. You must calculate the percentage of risk which you can take and keeping that in mind you must take one stop loss.Distribute your capital in different sectors to divide your risk.Look at the fundamentals of the company before investing.  For example in Telecom Sector IDEA Cellular overperformed the Telecom  sector and the market because of its core business structure and  fundamentals values.Similarly in IT Sector, TCS and HCL  overperformed IT Sector in terms of operating margin, business growth  which resulted sharp run in its market value compared to Infosys &  Wipro.Before investing in particular stocks, please have a look at its balance sheet for Debt, Asset, Revenue, Operating Profit, Debt to Equity Ratio, etcAlso, read all news related to the company. It will information regarding its future business plans such as Green Field or Brown Field Projects, Acquisition Plans, etc.,

The answer to this question will vary if you are an entry level employee at an established company, or the VP of sales at a start-up. In the former case, the first 90 days are largely a training period, and in the latter case you could be shown the door if you don’t bring in transformative results. I’m going to answer this question from the point of view of a manager of entry to mid-level employees. A few tips to keep in mind: 1.  Under Promise and Over DeliverKeep positive. When I managed employees in their first 90 days, I loved seeing the possibilities of the company through their eyes. However, don’t be so enthusiastic that you are actually being unrealistic. You don’t want to promise what you can’t deliver. Don’t say “yes” to everything.  If given a project you think will take a week, let the team know you think you can do it in 2 weeks. That way if you run into challenges, you have a buffer. If you deliver ahead of schedule, you look awesome. The last thing you want is to be unreliable. People who get promoted and get selected to work on mission critical projects surprise on the upside. 2.  Mr. President, Bill, or Bubba?Your manager, Michael Smith the III, may go by Mike. However, just because the CEO calls him Junior doesn't mean you should. When in doubt, ask. I once had a new employee who insisted on calling me “Ma’am.” Even after I told him I preferred to go by Mira. It really distracted me. In the middle of training sessions when he raised his hand and said, “Ma’am, I have a question,” I looked around the room for my Grandmother.  Similarly, when you are speaking to your manger be clear who “him” “her” and “they” are. I once had a new employee work massive overtime on a complex contract amendment because “the big man” told him to. I assumed he meant the CEO. Yet, when he came to me for final sign off, I said, “The CEO approved this?” To which he told me, “No, the other big man.” He was referring to the big and tall guy. And this other “him” did not have the authority to authorize this project. So, when you are speaking to your team, make sure you don’t just say, “oh Marketing wants it done this way.”  Have a name. Be precise. 3.  Don’t Worry About Things Outside Your ControlAs a new employee, you want to spend your time wisely. Work on your projects. Wasting time and energy worrying about other people’s work is not productive. Don’t go rogue and make your own job description. You've been hired to do a job. The company will generally have defined goals for you.   Make your manager look good. And work towards the goals that the company has defined. If you are working for Oracle, don’t suggest the company move to Salesforce because you are more comfortable with that platform. Worrying about what it isn't going to happen will drain your energy and zap your spirit.  4.  Be Friendly, but Remember You Are At Work.Smile, and be friendly to everyone. Get to know who at the company knows the lay of the land, and can get stuff done. Power, control, and knowledge are often not easily discernible form the org chart. Be respectful to everyone. Help when you can. Say “thank you” when someone has helped you. Appreciate your co-worker’s time and you’ll get more of it. Don’t be a jerk. Sexist, racist, or otherwise rude jokes are not acceptable. No matter who else at the company is doing it. Don’t get drunk or engage in unprofessional behavior at company parties or off-sites. If you have a tendency to go overboard, or need to blow of steam, skip the work party and hang out with your friends instead.  5.  Recognize PatternsIn the first 90 days you aren't expected to know everything and you probably won’t be able to master everything. So look for patterns. Developing pattern recognition will save you time, and help you to ramp up quickly.  Develop selective attention. Learn what really matters for the outcome you desire. Then focus on it. Each job, company, and project will have its own set of patterns that lead to success. Aim to remove all unnecessary noise, and save your energy to focus on working smart, being calm, and following through.