ConneXions unlimited

PJ -> Why is telecom industry booming in India ?
Reason--> People here love to have and flaunt connections

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"Jugaad is the 57th art" - SS Shinde at his satirical best

"Disgusting! This is the only thing I hate about our country... greased palms shaking hands with lack of integrity" - A comment on one of the posts in my blog https://www.blogger.com/comment.g?blogID=28026042&postID=4721678402376407155

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Connections - Many of us around the world love to flaunt it. Most of us wouldn't mind using it. We Indians love to flaunt it and often consider it as a essential tool to accomplish tasks of varying magnitude. Many of us work in day in and day out in order to earn connections. 'Networking' - a tool often used in achieving something is a milder form of connection, for the latter is the holy grail that makes you do with impunity what the lesser mortals think is sinful.

There are often sons and daughers of powerful officials, bhais and bhateejas of a powerful minister, friends of sons of sister's uncle-in law of supporters of the high and mighty. chamchas of local MLAs and proteges of a small time goon. Thos who are not, often they yearn for some, for that extra speed to be on the expressway to success!

... And having recently landed at Delhi and having just a casual glance is giving me insights on one of the major pillars for support and success in the unforgiving and the fastpaced world where you need to create an ilusion of success to survive - Have your connections right!

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Somewhere @ Nowhere - The Book

FINALLY .... After a tryst with so-called-creativity, I have come up with a book - Somewhere @ Nowhere. You can have a sneak peek at the story & a few pages from the publisher's website and order the same & get it home delivered anywhere in India/ Abroad. Details as mentioned below- - Preview and get the book home delivered from HERE Also, you can join the following groups - - Orkut Community - Facebook Page Hope you like the work. Would appreciate a feedback. Till then ... Happy Reading!!! And yeah, please spread the word (relying on word of mouth & word of blog publicity) :-) ___ Update (18/02/2010) - Thanks for the initial response to the book :) Update2 (25/ 02/ 2010) - Thanks for the feedbacks on the book those who have read it. (hope to get a feedback by others soon). Encourages me to overcome inertia and write more! Meanwhile, those who ask for why is it currently not available in traditional retail outlets - well, I hope it wil...

The story behind credit card debts & personal loans

Any one with even an iota of interest in personal finance & its workings would probably know that credit card debts and personal loans are usually the worst kinds of debt traps that you can fall into. Yet many people fall into that trap again and again. Many people do come out of it eventually but some don't & this becomes a part of their "lifestyle". That you are eventually paying much more than you need to, if you default on credit card payments intentionally or unintentionally (probably @ 36 % per annum or something similar) or take a personal loan (say, @ 12% per annum or so) is not hard to fathom. However behind these numbers, there may be even a deeper story - that usually that of not having control over expenses or not having created a buffer amount. While there may be some pressing need like unplanned or recurring medical expenses which fuels sudden demand of money or an unexpected job loss, in many other cases this need may be fueled by lack of plani...

Assured returns from stock markets?

Stocks (and hence mutual funds) are often sold as something that give "assured" long term returns over a period of time. While this has been true for most of the times, and all time if we consider a long enough time horizon in India's recent history but is this always true? Can it be possible that stock markets can give lesser, say 10% returns over next 10 years? Or 5 percent annual returns? Or, taking inspiration from Nicholas Taleb, a black swan event happens and your end up barely recovering 80 percent of your principal amount (i.e. 20 percent loss) - Theoretically yes. Hopefully no. I am not a predictor of future, nor are thousands others who claim to have more than 1000% percent surety of future events. So, if you are contemplating taking a personal loan @ 12% for some financial need and want to be invested in a mutual fund for "assured" 12 / 15/ 18/ 25 percent returns, maybe you need to rethink. If you want to borrow money @ 12% just to inv...

Snaps from The Himalayas

Some glimpses of one of the best landscapes in the country. Why long for Alps when our own old, enigmatic yet beautiful Himalayas provide such magnificent and picturesque sceneries!! Have a look. Enjoy. Location - Garhwal Region, Himalayas which lie in the state of Uttrakhand.

Random Birthday thoughts

As I would have cribbed @ 1000000000 words per day, I am currently at a place called Jhunjhunu where I have no social life to speak of, internet is the only thing that keeps me going, apart from few random movies or episodes of Seinfeld. So prospects of celebrating birthday in this solitary confinement are not that exciting! Too add to that, as I switched on my laptop yesterday night, I realized that it had conked off and is showing fan error as the reason. For me this was the end of world. And I knew not how would I survive! I hoped the issue will get sorted out in a week but it is too much to ask in this small town and this time period seemed to be an extremely optimistic guess. My birthday eve and early morning were spent on developing strategies on how to get it repaired. I couldn't find any IBM authorized dealer here, and I would have needed to send it to Delhi. There were two options - first was about sending it as a parcel to one of my friends at IBM , either directly or i...

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