Who moved my cheese?

who moved my cheese

The Writing on the Wall

Without trying to sound preachy, ‘ The writing on the wall ‘ is used an idiom for “imminent doom or misfortune” and for “the future is predetermined”.

While I was reading ‘Who Moved my Cheese’, after a gap of 10 years and interpreted it so differently back then and now. There is always a writing on the wall, often we live with that misfortune and don’t do anything to change the situation.

• Rupee has depreciated to it’s all time lows of Rs 61/ $
• Bond Yields have shot up , upto 50bps
• Crude has shot by 7-8$ globally
• US G-Sec yields have gone up 2.7%

The impact of all this information which reads as greek and latin is :
Inflation will be under pressure which could affect the economic recovery that we were hoping.

Well the good part of all this is, the US markets are recovering and the dollar has strengthened over all major currencies and could be good news on its recovery.

If the US markets are recovering we have seen historically this affects our recovery as well so for all other emerging countries.

To come back to the book, a lot of this can be easily reflective in whats mentioned in the book.

The book and its incidents can so easily replaced with a real life Financial Situation.Frightened by the unknown , how different are we from Hem who has gotten used to his routine, doesn’t want to look forward to change ? is comfortable in his existing space even though the space itself has became uncomfortable and does him no good? All I am trying to say in this world of Dynamic financial situations and circumstances do you want to be ‘Haw’, the one who picks things up and looks for new opportunities that fit him well? Or be Hem who left behind to find his way along?

Change Happens
They Keep Moving The Cheese : This change could be reflective in a change of job, change in family situation ( marriage , addition of a baby, loss of a parent), change in the Financial Environment itself. Every change in any of these circumstances requires for one to be dynamic and change our investments, allocation in different financial spaces.As rapid as change is , we have to be equipped to take decisions that favour the change in circumstance

Anticipate Change
Get Ready For The Cheese To Move- The cheese will move, yes accepted fact, it could change in a favourable way or adversally. Whatever the change anticipating change is something that can be done with the help of the Financial Advisor. If not ourselves it always helps to get a professional involved who would help raise the flags and prepare us for that change.

Monitor Change
Smell The Cheese Often So You Know When It Is Getting Old- While our situations change it becomes important to monitor this change to see if it works in our favour.
Some examples, when one changes a job there is often a change in salary either usually a hike, sometimes a downward correction , or a change in component. What one has to do is monitor this change, along with the change in the external environment and change in your portfolio. Involving an advisor , a person equipped to help you in this ever changing environment.

Adapt To Change Quickly
The Quicker You Let Go Of  Old Cheese, The  Sooner You Can Enjoy New Cheese – Things are changing every or often and dynamically, do you want to participate in the change and move ahead? Or brood over the change and miss the bus

Eg: I buy a share from Rs 120 and in a months time it falls to Rs 100, I hold onto this share with all the information that the times are bad for this company,

I watch it fall to Rs 60 and participate in the downward spiral. Would I have been better off selling that share at Rs 100 or holding onto it and losing even more?

Move With The Cheese – Change , the most important part of all of this. Be the change ! move with the cheese
Enjoy Change!
Savor The Adventure And Enjoy The Taste Of New Cheese! – Situations keep changing, it is upto you to enjoy the change or mull over and make a situation unfavourable for yourself. The rupee is depreciating, the equity markets are correcting , inflation is high, gas prices are rising? But hey, there’s always a good part to it all. When things are looking bleak is always a good time to start.

Get a Financial Advisor involved and get going! Be the change you want to see!


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