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Financial modeling is a powerful tool used extensively across various industries to analyse, forecast, and make informed decisions about the financial performance of businesses and investments. It involves creating mathematical representations of financial situations, typically using spreadsheets and specialized software, to project future outcomes based on assumptions and historical data.

One of the key benefits of financial modeling is its ability to provide clarity and insights into complex financial scenarios. Whether it's assessing the feasibility of a new business venture, valuing a company for mergers and acquisitions, or planning for future capital expenditures, financial models help stakeholders understand the potential risks and rewards associated with different courses of action.

Accuracy is paramount in financial modeling, as decisions often hinge on the projections and recommendations derived from these models. This necessitates a thorough understanding of the underlying assumptions and data inputs used in the model. Sensitivity analysis, where variations in key assumptions are tested to gauge their impact on outcomes, is a common practice to assess the robustness of financial models and prepare for uncertainty.

Financial modeling is not only about predicting financial outcomes but also about optimizing strategies and identifying opportunities for improvement. For instance, in corporate finance, models are used to determine the optimal capital structure that balances the cost of capital with the risk tolerance of the business. In investment banking, models help evaluate the potential returns of different investment portfolios or analyze the financial impact of strategic decisions.

Moreover, financial modeling plays a crucial role in risk management by quantifying potential financial losses under different scenarios. This is particularly important in industries such as banking and insurance, where accurate risk assessment is essential for maintaining financial stability and regulatory compliance.

Technology has significantly advanced the field of financial modeling, enabling more sophisticated analyses and faster computations. Dedicated financial modeling software offers features like scenario planning, Monte Carlo simulations, and automated reporting, which enhance the accuracy and efficiency of financial modeling processes.

However, financial modeling also comes with challenges and limitations. Models are inherently based on assumptions about future events and market conditions, which may not always align with reality. Economic uncertainties, unforeseen events, and changes in market dynamics can render even the most meticulously constructed models obsolete or inaccurate.

Furthermore, the complexity of financial models can sometimes lead to over-reliance on quantitative outputs at the expense of qualitative insights and judgment. Effective financial modeling requires a balance of technical proficiency and industry knowledge to interpret results in the context of broader business objectives and market conditions.

Ethical considerations also come into play in financial modeling, particularly in areas like valuation and forecasting. The assumptions and methodologies used in models can influence outcomes significantly, impacting decisions that affect stakeholders, employees, and communities. Transparency and accountability in model development and interpretation are essential to maintain trust and integrity in financial reporting and decision-making. In conclusion, financial modeling is a fundamental tool for businesses, investors, and financial professionals seeking to make informed decisions and manage risks effectively. It facilitates strategic planning, enhances financial transparency, and supports evidence-based decision-making in a dynamic and competitive global economy. While advancements in technology continue to reshape the landscape of financial modeling, the foundational principles of accuracy, transparency, and ethical conduct remain paramount for its effective application and utility

“No matter what job you have in life, your success will be determined 5% by your academic credentials, 15% by your professional experiences, and 80% by your communication skills.”

From the above lines we can understand what is the role of communication in the life of any human. Communication is very complex and it's not just about sending messages  or emails but to translate the exact information you want to give to others. Communication is a very fundamental and important attribute  of any leader. As a leader you need to be a good communicator at various levels like with your team in your organization, your customers, your vendors in order to achieve your organization goals.

There are 2 types of communication: Verbal and Non Verbal. Verbal communication is what we speak and nonverbal communication includes your gestures, body language, facial expressions, your conviction etc. It is very important that your verbal and nonverbal communication is in sink to convince the other person. The art of communication is the language of leadership. Effective communication helps to perspicuously tell their vision to the team and encourage them to work towards a common goal of the organization. Also it helps people grow personally and professionally. Effective communication also includes active listening, it is observed that employees are more productive and generate better results when they are listened to properly and provided with solutions.

Why is communication necessary for any leader?

  1. Aligns the employees with the organization's vision and goals.
  2. Increases the trust of the employees towards the organization
  3. Increases the retention rate
  4. It helps create other  leaders within the organization
  5. Improves organizational culture
  6. It encourages team bonding and team work
  7. In the end it helps in the overall development and growth of an organization.

Tips for Effective communication

  1. Always involve everyone

Communication is not the end but the start of any work. It is very important that you have a two way communication with your team so as to get the best and relevant outcomes for any problems or work. 

If we do not involve everyone in taking the decisions then it may lead to dissatisfaction among the team which in turn will hamper the work. On the other hand if you have discussion with the team before making any decisions, they will only suggest ways to complete the task in an effective way, which helps them to do the work with confidence and within a given time frame.

  1. Always be available

Be such a leader that you are always available for everyone and also show that you are genuinely interested in giving the solutions for the points they have kept. Always keep an open door policy and make your team feel secure.

When you have an open door policy it will help the team to build trust in you as you have a personal touch with them and they will openly be able to discuss the issues going on which will in turn help to maintain a good culture within the organization.

  1. Keep your promises

Make sure that you do what you have promised, it is very important in gaining team trust. If as an organization we have promised anything to the team then as an organization it becomes our moral responsibility to fulfill the same. Many times we realize that by doing so it may hamper the time or finances of the company but still we need to do it as we had promised.

This will help the employees to rely on you as you have proved them the same with your past actions.You do for your team and in turn they will go above and beyond but get the task done. Always be sure that your words and actions do not clash and are consistent.

  1. Be trustworthy

Being trustworthy is important and it is attained through your actions and not words. If you are not able to build trust among the team members then they will always look for options and once they find a better option they will leave as they will have more trust in them.

So it is our responsibility that we build trust within our team which will help them to be with us for a long time.As an organization we need the trust of the employees, as it helps them to do their work with full potential.

  1. Be open to feedback

By taking feedback, the team trusts the leader and the organization as their opinions are taken into consideration for the betterment of the organization and team members. By taking feedback we get some very important and critical information which is necessary for the development of the organization. Taking feedback we get many points of views which help us get best solutions and help in implementing best practices in the organization.

Also feedback helps leaders to evolve and enhance leadership skills. Taking feedback makes your team feel that their opinions are taken into consideration which makes them feel respected. But always remember that if you take feedback and then do not work on that feedback then it will have a negative impact on the team.

Thus leaders who work on their communication skills build a trust among team members which in turn helps to achieve organization goals. I will also help leaders to grow their skills and become better leaders.

Amidst cut throat competition,new products/services coming up daily it is important for business to survive and flourish. Below are the major reasons why Small Business in India fail.

  1. Lack of Planning 

Planning is a basic necessity for any business to be successful. How much planning have we done before starting a business in a great way is proportional for our business to become successful. A major difference between us Indians and the Western world Is that they do extensive planning before starting any business whereas our  Indian businessmen first start business and then think to plan.

Planning provides a clear-cut Vision and future Road map for the business and what they exactly want to achieve in the next 5 years. Both short-Term and Long-Term planning are important for a Business to survive and eventually succeed.

Also, non viable planning can lead to a business failure, thus thoughtful planning is utmost important for the success of any business. 

  1. Unable to manage funds

A basic need to start any business is funds. A businessman starts a business with initial capital but is not enough as they are not able to handle the operational costs to run that business. This mainly happens because the inflow of money i.e. sales is not proportional to the outflow. New businesses need time for the sales to flourish so to keep a back of funds for that time is very important which many businessmen miss out.

Focus should always be on how to reduce expenses and increase the profits. This can be achieved by taking help of technology,training team, proper management etc. Also one more important aspect of managing funds is that many businessmen excessively drain out money from their existing business and invest it somewhere else which creates a problem in the long run.

Thus, the churning of funds should happen on a regular basis. If cash flow is not managed properly then this might lead to a condition where the funds may get over which in turn leads to closing down of business.

  1. Lack of Innovation

Innovation is a very important tool in today’s world for any business to flourish and be successful. We see many companies who are running for many years but are still struggling to survive in the competitive market whereas some companies come up with innovative ideas or services and disrupt the market and even go out to become a unicorn. So the main learning we have to derive from this is that we have to innovate, not only once but on a regular basis to be the market leader.

It is very important to understand that we will have to come out with an altogether new idea or innovate something new in existing products or services which our competitors are not offering. It could be anything, features or unique design etc. We will have to bring up our Unique Selling proposition (USP) to be different in the market. This is very important then only you will be able to attract customers or else why will they come to you instead of those who have been in the market for many years.

Thus by continuous innovation you can  not only have an advantage over your competitors but also can go on to become market leaders. Businessmen should always keep on doing research so they can bring innovative products to the market.

  1. Wrong Hiring

It is  rightly said by Steve Jobs that  “Great things in a business are never done by one person.They are done by a team of people.” 

Building a powerful and effective team is as important as everything else it takes for a business to be successful. A clever businessman will never turn a blind eye on building a team with the right skillset because he very well knows that he alone will not be able to achieve the vision of the company. To build a powerful team he will have to focus on building the right culture in the company and also adopt HR best practices. Also if a a right employee is hired he should be aligned with the vision of the company or else you could loose them due to clash of interest.

Businessmen should not focus on daily operations in business but instead should hire the right person for the right position who will take care of the daily operations. Businessmen's focus should be on other important things like market research,product/service  betterment,customer feedback, innovation etc.

Thus hire the best Resources available and make your business the first choice for your customers.

  1. Lack of Passion

A businessman needs to be extremely passionate about the product/service offered to the market. Many businessmen have great ideas but they are not able to survive in this competitive market due to lack of passion. Many businessmen start the business just by seeing others but they do not have conviction in their own product or service. Many times a businessman starts losing passion as they do not have enough knowledge, but just remember there are many experts available in the market so never hesitate to take help.

A small wrong or negative feedback from customers and they start doubting their own product/service. In this case we need to understand that no one is perfect and we can always improve them by taking those feedbacks. If a businessman is not passionate they the business becomes like a regular work for them which they just have to complete.

Thus strong passion and conviction is very necessary for any business to be successful. We need to keep that passion going till the business reaches its peak and its full potential. 

In today’s fast changing world doing business is getting difficult due to increasing competition and decreasing profit margins. Entrepreneurship is all about the right mindset and skill sets. Right mind set is very important for the success of your Business.

 Successful entrepreneurs are always in search of opportunities and are always a step ahead from others. They are always in search of areas to provide their products or services to the market. They either explore altogether new areas or the same area but with some revolutionary ideas.Entrepreneurship comes with a great responsibility as it directly helps in increasing the country’s economy by generating employment and thus improves the quality of life of many. 

Successful Entrepreneurs, be they from any industry have some traits which differentiate them from others. The main differentiating factor is that entrepreneurs  have the capacity to take up an idea and execute  it into a successful,sustainable and long lasting business model which keeps on evolving as it remains relevant in this fast paced changing world.

1.       Being Confident

Confidence is an important aspect when it comes to being a successful entrepreneur. Confidence will only come when you are extremely passionate about your work / Product / service and it will reflect in your communication and the way you work.

Entrepreneurs must be confident that what he has to offer is better than what the competitors in the market have to offer. Confidence is very important in many ways i.e to communicate about your product / Service confidently, motivate your team and stakeholders and many more. If an entrepreneur wants to get funding for his company the investors generally give money to the entrepreneur and not the business, an entrepreneur should be able to sell him/her to the investors through their passion and confidence.

2.       Strong work  Ethics

Ethics are nothing but a set of principles and values that an entrepreneur never compromises no however bad the situation may be.  Strong work Ethics are core of any sustainable and long term business. Ethics give a strong internal motivation to be successful and do right things.

Strong work ethics lead to consistency and more focused towards your goals which an entrepreneur wants to achieve. Ethics help an entrepreneur to lead by example which is very important as it helps to transfer those ethics in your team members and all those who are associated with you in your ecosystem.

3.       Resilience / Perseverance

Entrepreneurship is a difficult journey as it involves failures and setbacks, Resilience is a very essential trait that an entrepreneur needs to develop as it helps them to overcome these hurdles and keep the setback back and move forward with a positive mind set.

It is very well known that most successful entrepreneurs have seen many failed businesses and setbacks before they became successful but their never give up attitude and strong belief system played a major role in their success. They always take failure in a positive way marking it to be a learning opportunity and use that experience in their journey forward.

4.       Visionary

Entrepreneurs are visionary, they have a long term sight to grab opportunities and create new business using those opportunities. They are able to see what others don't and this distinguishes them from the others. Without the outcome in mind there is no business.

Visionary leaders have a clear path for their company’s future.  Ask yourself: Do you have a clear vision of the future of your company? Do you know what your company will look like in 10 years? Visionary leaders have this clarity and also they have a roadmap prepared for the same.

5. Out of Box Thinking

 Out of Box Thinking is nothing but to think differently or in an unconventional way to get a new perspective for any problem.  They question the standard norms and find innovative ways and thus differentiate themselves in the market. This trait helps them to create a niche for themselves and thus create a unique selling proposition (USP) which revolutionize the existing market thus creating a new market for themselves.

Generally, I prefer the subjects of motivation, success, growth, discipline and perseverance for writing a blog or delivering a speech – but first time I am choosing a film to express my emotions. I have been watching movies since early childhood but gradually I restricted myself to watching only sensible movies which have something to learn from. As a result, I came across this wonderful movie – The Vaccine War; the movie is the master piece of its maker Mr. Vivek Ranjan Agnihotri. Mr. Agnihotri has been famous more because of his social service activities, his brave thoughts about naxalism and also because of his best-seller book ‘Urban Naxals’.

Because of the integrity & depth he is carrying in his movies (which we have witnessed in Buddha in a traffic jam, The Tashkent files & The Kashmir files), I was inspired to go for this movie. This movie is based on the real occurrences during covid years. The in-depth ground research, the casting and cinematography has turned this entire effort into a gigantic awakening & thought-provoking phenomenon.

 If we keep the politics, films & other things aside then as a business coach & a trainer, I had many learning points from the movie as mentioned below:

  1. If you are determined – you can achieve: The leftist & corrupt media which was funded by international pharma lobby keeps defaming the Indian government & several agencies and systematically spread the narrative that India can’t do it; we have to rely on the foreign help. But Dr. Bhargava being indifferent of all these things keeps focusing on what he has to do.
  2. Strong standards & ruthless boss is the guarantee of success: Dr. Bhargav has been a strictest, toughest and ruthless boss ever; he hardly praises anyone, he hardly is impressed by anyone and he hardly accommodates any poor talk or attitude. He doesn’t bother about the hardships, rank & position, personal challenges or practicality of team – he keeps chanting just one thing “karnaa he to karnaa he” – and continuously keeps pushing the entire team to give their better than the best. He negatively motivates his immediate subordinates by threatening “agar kaam nahi hota to resign kar do” – but never ever accommodating any underperformances.
  3. One TEAM – one Goal: Many agencies & entities like Indian government, ICMR, NIV and many other parallel agencies were involved in the operation of making a vaccine; every agency had their own protocols to follow but looking to the emergency & crisis situation – they all had a common goal of being “Aatma-nirbhar” in vaccine and they all demonstrated a great camaraderie to fulfil this goal.
  4. No pain no gain: This entire journey has been a tough roller-coaster ride for all the personnel involved; their personal lives were disturbed, they couldn’t see their family for days & days, their normal eating & sleeping routine was disturbed, no one was acknowledging their efforts – on the contrary the corrupt media was defaming them – but still they all fought and achieved the goal together
  5. Individual, tiny & indirect sacrifices of the eco-system make it big: The children, spouses and other family members of the front-line warriors sacrificed a lot; some was suffering by mental disorders, some was struggling to keep balance between personal & professional lives, some was struggling with the infant they have to take care and performing emergency duty – but they all prioritised the duty over everything else & contributed making this mission successful.
  6. Working out of the domain expertise to make things happen: Some of the scientists were given a field duty of catching certain types of monkeys from jungle for human trials of vaccine as due to Covid19 situation they were not getting supply of monkeys from either way; they were scientists, not the forest officers nor the animal catchers but still they performed the given task as this was the crucial step of mission achievement.  
  7. Preparation is the vital key: Dr. Bhargav’s team attempts to address media based on the strong emotions they had about the vaccine; but based on mere emotions one cannot stand longer – when team becomes vulnerable against the pointed allegations of media – Dr. Bhargav enters with strong data for each point he wants to make clear and hence it proves that a strong preparation doesn’t only conquer the situation but makes you invincible.

Therefore, I strongly insist to watch this movie to the following people and urge to talk about it, learn from it and spread the wisdom or learning gained out of it:

  1. Everyone who aspire to grow in business, job or anything you do in life – if you understand and follow above principles then you will also become invincible.
  2. Each & every Indian because after all this is a success story of India becoming “Aatma-Nirbhar”

મારી વી. ઠા. ચોક્સી શાળાના મારા સમયના ૨-૪ વર્ષ આગળ કે પાછળ પણ લગભગ સાથે અભ્યાસ કરનારા મારા સહપાઠીઓ, ૨૦-૩૦ વર્ષ પહેલા અભ્યાસ કરનારા વડીલો અથવા ૧૦-૨૦ વર્ષ પછી અભ્યાસ કરનારા વિદ્યાર્થી મિત્રો, શાળા છોડ્યાના ૨૦ વર્ષ પછી તારીખ ૨૮-૦૨-૨૦૨૩ મને ૧૦-૧૨ ધોરણના વિદ્યાર્થીઓને મોટીવેટ કરવા જવા માટેનું આમંત્રણ શાળાના આચાર્ય શ્રી. વિજય બારોટ સાહેબે આપ્યું. શાળાની મારી આ વિઝિટ મિક્સ ફીલિંગ જેવી હતી - સૌથી પહેલા તો શાળાની અંદર પગ મુક્ત જ મને મારા બાળપણના ૧૦ વર્ષ (૧ થી ૧૦ ધોરણ) જાણે કે એક મૂવીની જેમ આંખ સામેથી પસાર થયા; શાળાના મેદાન, કલાસરૂમ, પાણીની પરબ કે અરે શાળાના શૌચાલય સુદ્ધામાંથી જાણે કે કોઈ અગોચર શક્તિ પોતાની પાસે બોલાવતી હોય એવું લાગ્યું. મારી નજર સામે મને હું પોતે અને મારા સહપાઠીઓ ક્લાસમાં ભણતા, મેદાનમાં રમતા અને તોફાન કરતા - આમતેમ દોડા-દોડી કરતા દેખાયા. આપણા સમયના શિક્ષકોમાંથી ૯૯% શિક્ષકો નિવૃત્ત થઇ ગયા, કોઈક કોઈક પ્રભુના ધામમાં પણ ચાલ્યા ગયા - એમની ગેરહાજરી જરૂર વર્તાઈ. જુના શિક્ષકોમાં ફક્ત વિજય બારોટ સાહેબ, શૈલા ટીચર અને મહિડા સાહેબની સાથે મુલાકાત થઇ.

જે શિક્ષકોના હાથ નીચે ભણ્યા એમની સાથે એમની સમકક્ષ મંચ ઉપર બેસતી વખતે સંકોચ, ગૌરવ અને ઉત્તેજના ત્રણેયનો મિશ્ર અનુભવ થયો.

હવે વાત કરું કરુણતા ની, તો આપણી શાળા એની સ્થાપનાના ૯૭માં વર્ષમાં હોવા છતાં આજે જાણે કે વેન્ટિલેટર ઉપર છે, મારા કેટલાક અવલોકનો:

- શાળાના ૪ માંથી ફક્ત ૨ જ બિલ્ડીંગ વપરાશમાં છે, કારણ વિધાર્થીઓની પાંખી સંખ્યા (કારણ, બે વર્ષના કોરોના કાળની વિપરીત અસરોને લીધે મોટા ભાગના લોકો શાળા વિસ્તારમાંથી  સ્થળાંતર કરી ગયા, ભાડુઆત રહીશો ની મોટા પાયે થયેલ હિજરત-સ્થળાંતર, શાળા વિસ્તારની નગર પ્રાથમિક શાળાઓમાં ઘટતી જતી વિદ્યાર્થી સંખ્યા, નવા રોડ રસ્તા ફ્લાય ઓવર વગેરે  નવા બાંધકામ ને કારણે છેલ્લા દસકાઓમાં થયેલ નિયમાનુસારનું ડિમોલિશન, અંગ્રેજી માધ્યમનો વધતો દબદબો, આજુબાજુના વિસ્તારમાં વિદ્યાર્થીઓની સંખ્યા કરતા વધારે શાળાઓની સંખ્યા, શાળાના વિદ્યાર્થીવર્ગની શિક્ષણ પ્રત્યે અરુચિ અને શિક્ષા માટેનું પારિવારિક દુર્લક્ષ)

- ખાનગી એક્સટર્નલ વિદ્યાર્થી તરીકે શાળામાં ભણ્યા વિના પણ બહારથી જ પરીક્ષા આપી શકાય તેવી નીતિ

- શાળા વિસ્તારની કુલ ૨૦ જેટલી નગર પ્રાથમિક ની શાળાઓ માંથી લગભગ ૧૩ શાળાઓ બંધ થઈ ચૂકી છે સાત શાળાઓ ચાલુ છે તેમાંથી પણ ચાર શાળાઓમાં એકદમ ઓછી વિદ્યાર્થી સંખ્યા છે ફક્ત ત્રણ પ્રાથમિક શાળા જ સારી રીતે ચાલે છે

- ઓછા વિદ્યાર્થીઓને કારણે સારા અને પૂરતા શિક્ષકોનો અભાવ

- વિધાર્થીઓનું પોતાનું જ કથળતું જતું બૌદ્ધિક સ્તર અને સંસ્કારનો અભાવ

- વિધાર્થીઓના પરિવારોની નબળી આર્થિક સ્થિતિ અને અધવચ્ચેથી અભ્યાસ છોડીને કામ પર જવાની વૃત્તિ 

- વિદ્યાર્થીઓની તેમની ઉમર કરતા ઘણી ઓછી પરિપક્વતા અને લક્ષ્ય-હીનતા; શાળા વિસ્તારના વાલીઓની શિક્ષણ પ્રત્યેની અતિશય ઓછી જાગૃતિ

- શિક્ષા ક્ષેત્રે એક જમાનામાં ધુરંધર ગણાતા શિક્ષકોની નિવૃત્તિ કે અવસાનને કારણે સતત થતી બાદબાકી  અને નવા સારા યુવાધનની શિક્ષણ ક્ષેત્રમાં પ્રવેશવાની ઉદાસીનતા

- આજની કોર્પોરેટ ક્લચર ધરાવતી આધુનિક 5 સ્ટાર ખાનગી સ્કૂલોની સામે ઝીંક ઝીલવાની અશક્તિ

- ઓનલાઇન માધ્યમો પર વધતી અને શાળાઓ ઉપરની ઘટતી નિર્ભરતા  

…અને આ સ્થિતિ કદાચ આ શહેરની મારી શાળાની સમકાલીન તમામ ટ્રેડિશનલ સ્કૂલોની હશે એવું મારુ એક અનુમાન છે; શહેરના હાર્દ સમા જુના કોટ વિસ્તારની વર્ષો જૂની શાળાઓની ઉત્તરોત્તર કથળતી જતી હાલત વિષે આ અને આવા અનેક કારણો મારા મનમાં ઉદ્ભવ્યા પણ રણ વચાળે પણ વીરડી જેવી વાત જે મને જોવા મળી તે નીચે મુજબ હતી -

- આ શાળાને ને છોડીને જઈ શકવાની અને કારકિર્દીમાં આગળ વધવાની તમામ તકો હોવા છતાં આ આ શાળાંના આચાર્ય, શિક્ષકો અને સહાયક (પટાવાળા) મિત્રોએ પણ આ શાળાનો હાથ હજી સુધી છોડ્યો નથી 

- ઉપરના તમામ અવરોધો હોવા છતાં તેમણે હાર નથી માની, છેલ્લા ઘણા વર્ષોથી તેઓ લડે છે અને હજી પણ લડી જ રહ્યા છે, મસ્તક કપાય છતાં પણ ધડ લડતું રહે એ રીતે આ શિક્ષકો આ સેવાયજ્ઞમાં દશકો થી આહુતિ આપ્યા જ કરે છે

- આ શાળાના આચાર્ય વિજય બારોટ સાહેબ, જે અંતર થી એક મૃદુ હૃદયના કવિ અને લેખક છે અને નિયતિથી એક મજબૂત મનોબળના શિક્ષક - એમણે હજી પણ આ શાળા અને તેના વિદ્યાર્થીઓ પ્રત્યેનો વિશ્વાસ છોડ્યો નથી

- પોતાના ખિસ્સાના પૈસાથી બાળકોની સ્કૂલ અને કોલેજ સુદ્ધાની ફી ભરવાનું સૌજન્ય બતાવ્યું છે એ પણ નિસ્વાર્થ ભાવે - અને એમના આ યજ્ઞમાં જોડાયા છે શાળાના શૈક્ષણિક અને બિનશૈક્ષણિક તમામ કર્મચારીઓ

- તેમની નિસ્વાર્થ સેવાની ભાવનાથી આકર્ષાઈને શાળાના નિવૃત્ત અને જૈફ વયે પહોંચેલા લેજેન્ડ સમાન શિક્ષક મહિડા સાહેબ ઉનાળાની બળબળતી બપોરે ૧૦ કિલોમીટર દૂર થી વિદ્યાર્થીઓની મદદ કરવા માટે આવી પહોંચે છે - એ પણ લગભગ દરરોજ 

- શાળાના અન્ય એક ખુબ સિનિયર શિક્ષિકા શૈલા ટીચર ૩૩ વર્ષની નિષ્ઠાપૂર્વક સેવાથી કેટલીયે પેઢીઓને શિસ્તના માર્ગે લાવી ચુક્યા છે.

- શિક્ષણ ઉપરાંત વિદ્યાર્થીઓને શારીરિક રીતે ખડતલ બનાવનારા પી.ટી. શિક્ષિકા અરુણા ટીચર પણ હજી અડગ યોદ્ધાની જેમ શાળા પરિવારની સાથે ઉભા છે

- સહાયક કર્મચારીઓ નીતિન ભાઈ અને યોગેશભાઈ નું યોગદાન આ શાળાના ઇતિહાસમાં સુવર્ણ અક્ષરે લખાયેલું છે.

- પ્રાથમિક અને માધ્યમિક વિભાગના આ કર્મયોગીઓમાં  અન્ય ઘણા નામો છે આ યાદીમાં - પણ મારી યાદશક્તિ ઉપર હમણાં મારી ભાવનાઓ અને સંવેદનાઓ એ કબ્જો જમાવી દેતા એમને સાંભરી શકાતા નથી છતાં તેમને યાદ કરવાનો એક વિનમ્ર પ્રયાસ – “ભાવના ટીચર, ચેતના ટીચર, ગીતા ટીચર, કનક ટીચર, લક્ષ્મી ટીચર, કોકિલા ટીચર, સુધા ટીચર, સરયૂ મેડમ, અનસુયાબેન દેસાઈ મેડમ, શૈલેષ સર, પંકજ સર, ભરત સર, સુરતી સર, સોની સર, ભારતી ટીચર, મીરા ટીચર, મીના ટીચર, ચૌહાણ ટીચર, ઈલા ટીચર, શેખ સર (ક્લાર્ક),   પરમાર ટીચર, વળવી સર, પી.એ. પટેલ સર , ચૌધરી સર, ઉર્મિલા ટીચર, ગામીત સર, જોખાકર સર, સવિતા ટીચર, અનિલા ટીચર, માહલા ટીચર, ટંડેલ સર, પદ્મા ટીચર, સુનિતા ટીચર, હેતલ ટીચર, દિનેશ બારોટ સાહેબ, લાઇબ્રેરીયન બર્વે સાહેબ” અને (સહાયક સ્ટાફ) ઇકબાલ ભાઈ, કુંડા બેન, નીરુ બેન, યોગેશ ભાઈ, નીતિન ભાઈ, ગોવિંદ ભાઈ, ભીખા ભાઈ  - આ દરેકનું શાળા અને વિદ્યાર્થીઓના ઘડતરમાં અનન્ય યોગદાન રહ્યું છે,   

- ઉપરના નામો તો મારી શાળા-જીવન દરમ્યાનની યાદગીરી છે અને મારા શિક્ષકો પ્રત્યે મારી સ્મરણાંજલિ છે - પણ મારા શાળા છોડી ગયા પછી આજ દિન સુધી જેમણે આ નાવ નું સુકાન સંભાળવામાં શાળાના આચાર્યશ્રીને પડખે ઉભા રહીને યોગદાન આપ્યું છે તેમની નોંધ તો ખાસ લેવાવી જ જોઈએ - આવા જ કેટલાક કર્મ-નિષ્ઠ લોકોમાં સમાવેશ થાય છે -માનનીય ઉમેશભાઈ પટેલ, આશિષભાઈ પટેલ, નીલિમાબેન ચૌધરી, શાળાના એડહોક કારકુન શ્રી દીપકભાઈ સુરતી અને વોચમેન કાકા ધીરજભાઈ - આ સૌ દિલથી કાર્ય કરી રહ્યા છે.

- આવા શિક્ષકો અને આવા આચાર્ય ખરેખર મારી શાળા વી.ઠા. ચોક્સીના જ હોઈ શકે

એક મહાકાય જહાજનો કપ્તાન જે રીતે છેલ્લે સુધી જહાજનો સાથ છોડતો નથી એ એ રીતે આ વી.ઠા. ચોક્સી શાળાનો કપ્તાન વીજય બારોટ સાહેબ પણ અડગ મને અને પહોળી છાતીએ ઉભા છે; એમને જોઈને મને લાગે છે કે એમના પ્રયત્નો અને સંઘર્ષો સામે આપણે હજી પણ વામન જ છીએ.

આ ઉપરાંત એમના આ સેવા-યજ્ઞમાં પોતાના તરફ થી નિયમિત રીતે આહુતિ આપનારા લોકોમાં શાળા સ્થાનિક વહીવટી સમિતિના અધ્યક્ષ શ્રી દેવેન્દ્રભાઈ રંગરેજ સાહેબ નિયમિતપણે શાળાની મુલાકાત લે છે અને સાર્વજનિક એજ્યુકેશન સોસાયટી ના તમામ હોદ્દેદારો આ શાળા પ્રત્યે વિશેષ કાળજી રાખી રહ્યા છે શાળામાં તમામ પ્રકારની અદ્યતન શૈક્ષણિક સુવિધાઓ પણ સંસ્થા દ્વારા પૂરી પાડવામાં આવેલ છે.

આ બસ મારા તરફ થી શાળાને અને એના તમામ શિક્ષકોને એક બહુ જ વિનમ્ર શબ્દાંજલિ છે.

આ વાંચનાર દરેક વ્યક્તિને મારી બસ એક જ વિનંતી છે કે જો તમે પોતાના જીવનમાં ક્યારેય પણ - એક વર્ષ કે એકાદ ધોરણ પૂરતું પણ જો વી.ઠા. ચોક્સી શાળામાં ભણ્યા હોવ તો એ વી.ઠા. ચોક્સી નામના  મંદિરના દર્શને જરૂર જજો - ત્યાં તમને શિક્ષક / ગુરુના સ્વરૂપે રહેલા દેવતાઓના દર્શન જરૂર થશે.

આ લેખ લખવાનો એકમાત્ર મુદ્દો અને ઉદ્દેશ્ય એ છે કે આપણી શાળા ૨૦૨૫ માં આવનારા ૩ વર્ષમાં ૧૦૦ વર્ષ - શતક પૂર્ણ કરવા જઈ રહી છે અને આટલો લાંબો સમય એક સંસ્થા તરીકે પૂર્ણ કરવો એ બહુ મોટી સિદ્ધિ છે - આજની કદાચ ૫ સ્ટાર શાળાઓ પણ ૧૦૦ વર્ષ પુરા કરી શકે એ તેમના માટે એક પડકાર હોઈ શકે - તો આવો આપણે સહુ ભેગા થઈને આપણી આ શાળાના શતક મહોત્સવને યાદગાર બનાવીએ

આ શતક મહોત્સવ નિમિત્તે શાળા તથા સંસ્થા ને કંઈક નાનામાં નાનો પણ ફાયદો થાય એવું કૈક આપણે મળીને કરીએ એ જ અનુરોધ છે - અને શાળાને આપણા પૈસાની એટલી જરૂર નથી જેટલી આપણા સૌજન્યની ની છે; આ સેવા-યજ્ઞમાં આહુતિ આપવા આપણે ફક્ત આટલું જ કરવાનું છે કે -

 - શાળાનું અત્યારનું ભૂતપૂર્વ વિદ્યાર્થી મંડળ સક્રિય છે તેમાં સ્વેચ્છાએ જોડાઈએ.

- હાલમાં ૨૦૦ જેટલા એમાં સભ્યો છે જેમાંથી બે ચાર જણા સક્રિય છે તમામ ભૂતપૂર્વ વિદ્યાર્થીઓની સેવાની જરૂર બે વર્ષ માટે સવિશેષ છે એમાં વધારે સમય પણ આપવાનો નથી વર્ષમાં બે ત્રણ વખત શાળાના કાર્યક્રમમાં શક્ય એ રીતે હાજર રહેવું દાખલા તરીકે રાષ્ટ્રીય પર્વ ઉજવણી ૧૫મી ઓગસ્ટ ૨ જી ઓક્ટોબર ગાંધી જયંતી અને ૨૬મી જાન્યુઆરી એ સિવાય કદાચ કોઈક જાહેર કાર્યક્રમ હોય અને જો અનુકૂળતા હોય તો આવી શકાય.

- ભૂતપૂર્વ વિદ્યાર્થી મંડળના સભ્ય તરીકે વિશેષ કામ તો એટલું જ છે કે તમારા સમયના જેટલા પણ કોન્ટેક્ટ હોય તેમની સાથે મોબાઈલ પર વાતચીત કરીને ફક્ત વિદ્યાર્થીઓને જ મદદરૂપ થવાનું છે વિદ્યાર્થીઓને પ્રેરણા અને પ્રોત્સાહન મળે તે માટે શક્ય તે રીતે ભૂતપૂર્વ વિદ્યાર્થીઓએ મદદરૂપ થવાનું છે..

- ભૂતપૂર્વ વિદ્યાર્થી મંડળમાં સભ્યપદ સ્વીકારીને પણ મદદરૂપ થઈ શકાય જો અનુકૂળતા હોય તો વિચારવું જેથી આવતા વર્ષે મે જૂન મહિનામાં નવા પ્રવેશ ની સંખ્યા જેટલી છે તેટલી જાળવી શકાય અથવા થોડી ઘણી વધારી પણ શકાય.

- સોશિયલ મીડિયા - ફેસબુક, ઇન્સ્ટાગ્રામ કે અન્ય દ્વારા પણ ભૂતપૂર્વ વિદ્યાર્થીઓ પોતાની જ માતૃશાળા ને  ખાસ મદદ કરી શકે. આ માટે અમે "Mission – Centenary Celebration of V.T. Choksi"" નામનું ફેસબુક પેજ બનાવ્યું છે તો તેમાં જોડાઈને સંસ્થાની સાથે વર્ચ્યુઅલી જોડાયેલા રહીએ. એ માટે ફક્ત આ લિંક ( પર ક્લિક કરીને જોડાઈ જાઓ.

- તમામ ભૂતપૂર્વ વિદ્યાર્થીઓ જો ધારે તો ધોરણ_9 નવ અને ધોરણ 11 ના નવા પ્રવેશ માટે શાળા વિસ્તારમાં પોતાના પરિચિતો ને જણાવીને પ્રવેશ સંખ્યામાં સારો એવો વધારો કરી શકે.

નવા શૈક્ષણિક વર્ષ ૨૦૨૩-૨૪માં નવા પ્રવેશ વધારે થાય તે માટે એપ્રિલ-મેં-જૂન મહિનાઓમાં અનુકૂળતા મુજબ શાળાનો રૂબરૂ મુલાકાત અથવા ટેલિફોનિક સંપર્ક કરશો. 

જીવનના દરેક યુદ્ધમાં એક યોદ્ધાની જેમ અડગ ઉભા રહેતા શીખવનાર, સફળતા પ્રાપ્ત કરવાની પાત્રતા અપાવનાર, એક મોભો મેળવવાની ખુમારી જગાડનાર, મને શૂન્યમાંથી સર્જનહાર બનવાની લાયકાત અપાવનાર અને મારા બાળકોની અંગ્રેજી શાળાની ફી ભરવા માટે મને કાબેલ બનાવનાર મારી ઓ ગુજરાતી શાળા - તને કોટી કોટી વંદન છે.

બસ મારી ઊર્મિઓ હવે મને અહીંથી વધારે લખવા નહિ દેશે....

ગૌરવ ચેતનકુમાર ત્રિવેદી,

વી.ઠા. ચોક્સી શાળા પ્રત્યે આજીવન ઋણી વિધાર્થી

(વર્ષ ૧૯૯૩ થી ૨૦૦૩)

ખાસ નોંધ: આ લેખ જો તમને ગમ્યો હોય અને શાળા પ્રત્યેની લાગણીને વશ થઇ જો તેનું ઋણ ઉતારવું હોય તો આ લેખ એ દરેક વ્યક્તિને મોકલો કે જેઓ જીવનમાં એક વાર આ શાળાનું પગથિયું વિધાર્થી તરીકે ચડયા હોય. શાળાના ના એક ભૂતપૂર્વ વિદ્યાર્થી તરીકે ૨૦૨૫-૨૬ના વર્ષે ઉજવણી માટે તમારી અનુકૂળતા હોય તે મુજબ શાળાને સહાયભૂત થવા અનુરોધ છે.


Dynamic of partnership in business refers to a collaborative relationship between partners. Partnership is the relationship between two or more people to do business. Each person contributes money, property, labor or skill and shares in the profits and losses of the business.

E.g.:- bill gates and Paul Allen, Company: Microsoft, Year founded: 1975

They were childhood friends, they both had same obsession with computers and passion for entrepreneurship.

Like every other thing - business and partnership has also Do's and Don'ts - so here are some points on Do's & Don’ts on partnership in business.



Remember, successful partnership requires cooperation, trust and mutual respect among partners. By following these Do’s and avoiding the Don’ts you can help building a strong and sustainable partnership.

How decision making is done in partnership?

In a partnership business, decision-making is typically done through a collaborative process where partners have a say in the choice made. Here are some common approaches to decision-making in partnership?

It’s important for partners to establish decision-making processes and guideline when forming a partnership. Effective communication, trust, and mutual respect among partners are vital for successful decision-making in a partnership.

When do we feel we need partnership in business?

Ultimately, the decision to seek partnership in business depends on your specific circumstances objectives and needs like increase resources, share workload and responsibilities, risk distribution, brainstorming and innovation and work-life balance. The potential benefits and implications before entering into a partnership to ensure long-term goals.

How to come out positively from partnership if it is not working?

Ending a partnership that is not working for you requires careful consideration, effective communication, and professional handling. By facing the situation with a positive mindset and focusing on finding a fair resolution, you can come out of partnership.

Marketing techniques refer to various strategies and tactics used by businesses to promote their products or services, attract customers, and achieve their marketing goals. Here are some commonly used marketing techniques:

  1. Target Market Segmentation: Identifying and dividing the target market into specific segments based on demographics, psychographics, or behavior. This helps businesses understand their customers better and tailor their marketing efforts to specific groups.
  2. Content Marketing: Creating and distributing valuable and relevant content to attract and engage the target audience. This can include blog posts, articles, videos, podcasts, and social media posts.
  3. Social Media Marketing: Leveraging social media platforms to promote products or services, build brand awareness, and engage with customers. This involves creating compelling content, running targeted ads, and actively interacting with followers.
  4. Influencer Marketing: Collaborating with influential individuals or personalities who have a significant following and impact on their audience. Businesses partner with influencers to promote their products or services and tap into their credibility and reach.
  5. Search Engine Optimization (SEO): Optimizing website content and structure to improve its visibility in search engine results. This involves using relevant keywords, creating high-quality content, and improving website performance and user experience.
  6. Email Marketing: Sending targeted emails to prospects or existing customers to nurture relationships, promote products, and drive conversions. Personalization and automation are often used to deliver relevant content and optimize email campaigns.
  7. Guerrilla Marketing: Unconventional and creative marketing strategies that aim to surprise and engage consumers in unexpected ways. This can involve street art, flash mobs, or interactive experiences to generate buzz and brand awareness.
  8. Referral Marketing: Encouraging and incentivizing existing customers to refer new customers to the business. This can be done through referral programs, discounts, or rewards for successful referrals.
  9. Direct Marketing: Communicating directly with potential customers through channels such as direct mail, telemarketing, or targeted advertising. This approach allows for personalized and tailored messaging.
  10. Experiential Marketing: Creating immersive experiences that allow customers to engage with the brand and its products or services. This can include pop-up events, interactive demonstrations, or product trials to leave a lasting impression.
  11. Personalization: Tailoring marketing messages and offers to individual customers based on their preferences, behaviors, or demographic information. This can be done through data analysis, automation, and customer segmentation.
  12. Customer Relationship Management (CRM): Building and maintaining strong relationships with customers through personalized communication, follow-ups, and loyalty programs. CRM systems help businesses track customer interactions and provide better customer service.

These are just a few examples of marketing techniques, and businesses often combine multiple approaches to create comprehensive marketing strategies based on their goals, target audience, and industry.

Ethical objectives refer to the goals or principles that guide ethical decision-making and behavior within an organization or individual. These objectives are based on ethical values and standards, and they aim to promote fairness, integrity, responsibility, and respect for various stakeholders. While specific ethical objectives may vary depending on the context, here are some examples that organizations and individuals commonly strive for:

  1. Integrity and Honesty: Promoting truthfulness, transparency, and maintaining high ethical standards in all interactions, transactions, and communications.
  2. Fairness and Justice: Ensuring equitable treatment of all individuals, avoiding discrimination or favoritism, and providing equal opportunities for everyone.
  3. Respect for Human Rights: Upholding and promoting fundamental human rights, including dignity, privacy, freedom, and non-discrimination.
  4. Environmental Responsibility: Committing to sustainable practices, reducing environmental impact, and promoting conservation and protection of natural resources.
  5. Social Responsibility: Contributing positively to society, addressing social issues, and engaging in philanthropic activities that benefit communities.
  6. Customer Focus: Providing products or services that meet or exceed customer expectations while ensuring their safety, privacy, and well-being.
  7. Employee Well-being: Prioritizing the physical and mental well-being of employees, fostering a safe and inclusive work environment, and promoting work-life balance.
  8. Ethical Leadership: Demonstrating ethical behavior at all levels of an organization, setting a positive example, and promoting a culture of ethics and integrity.
  9. Compliance with Laws and Regulations: Ensuring adherence to applicable laws, regulations, and industry standards to avoid illegal or unethical practices.
  10. Stakeholder Engagement: Actively involving and considering the interests and perspectives of various stakeholders, including employees, customers, suppliers, local communities, and shareholders.

It's important to note that ethical objectives should be aligned with an organization's mission, values, and the broader societal expectations. Moreover, ethical decision-making often involves weighing competing interests and values, and it may require ongoing evaluation and adaptation to changing circumstances.

Bad terminology is the enemy of good thinking” – Warren Buffet. This beautiful thought puts stress on understanding & digesting the vital business terminologies for an entrepreneur. As an entrepreneur we must have the in-depth clarity on imperative business definitions or jargons; below mentioned are some of the most frequently used and significant terms in simpler form.

There are many more terms and jargons for an entrepreneur to understand; we may discuss them may be in the next blog.