Saturday, April 27, 2013

2013 Goals.....

I know, it's late but better late than never. Actually, I had my goals always in place, I had not just  written here. I am writing it them here, so that it will be easy to track down. Here are the detailed goals of this year I keep my eyes on. I tried to think about most of the important aspects. Few important among them are as follows.:


  •  Emergency Fund - The duration I was out from blogosphere, I realized the importance of Emergency Fund. Everything is well, this is very best scenrio but in real life the "Worst Case Scenarios" may happen and they certainly happen at some point of time. If we know this, we should be keeping our pocket full for all the emergencies. My focus this year will be having my emergency fund as 6 months of my monthly expenses. Which tools I will be using for this, I will elaborate sometime in future.

  • C/H Fund - If everything goes well as per my "Best Case Scenario", I plan to bring my car home from the showroom. If I couldn't do this, my backup option is I will put the saving in my Home fund.

  • Tax Saving - I definitely need to go beyond 1 lakh rupees investments in tax saving instruments. I would like to invest in tax saving instruments including PPF, ELSS, NSC and insurance schemes all up to Rs. 100000/-. I also would be using other things for tax saving. Later on this in future posts.

  •   Retirement Fund - Apart from my PF contribution, I will be investing in a good Mutual fund for retirement. The amount will be equal to 3 months of my monthly expenses.

  • Opportunities Fund - Well, this is fund again that one I will topup with most. I will be using the opportunities to invest in good shares, mutual funds and other instruments. It will have my one month monthly expense amount.

  •  Track my spending - The bad days and bad experiences in life, have made me follow the habit of tracking expenses. And I need to continue with that at-least for some time in future now. I don't personally feel it's helping me anyway in decreasing my expeses, rather it's just making my attitude worse but whatever.

  • Make Extra Income - Off course, whatever goals I have written above are just impossible to achieve in my full time job's paycheck. Hence, certainly I will have to make much more extra income. As usual, I will set up high goal, so that I will be able to achieve the one that I actually should. So, I will make extra income for my 6 months of monthly expense. I will be using various platforms for achieving this, details on this, in later posts.


  •  Certifications-  I have 3 certifications in my mind which I keep my eyes on, this year.  More on this, some time in future.

  • Walk in for job interviews - This keeps us updated and gives confidence. I want to be up to date in my field.

  •  Publish articles – I am planning to publish 12 articles this year in science magazines, local newspapers and magazines. I guess it will help.

  •  Publish articles online – I am planning to publish 12 articles online this year in different websites, blogs etc.

  •  Publish my first book – I have started with the manuscript of my first book. I wish to publish it this year. I have many ideas but first of all, I will finish with job in the hand. A very best luck to me for this. This book should also bring discipline in my writing.


  • For this blog - I need to start once again with this blog and increase the page views. I want my numbers back and I know, I can do that soon.

  • Food Blog : I have a food blog and I use social media for it. I would like to get more traffic for it. I would like to get a good theme and good number of subscribers and followers. At the end of this year, people should know me by that blog.


  • Music: Give more time to music this year and I have started implementing this. The way I found good was uploading my videos to youtube. I would like to perform at several places too. I have already posted one video in youtube. I am preparing for others in near future.

  • Photography: I have still not bought my first digital SLR camera. I will participate in 10 different photo competitions.

  • Health: Regular Yoga. Few aasanas I need to do daily. Eating right I have started again and will continue through out the year.

  • Hobby : I love to make best out of waste and I would like to make 12 art pieces at-least through out the year. I will be creating designs of 4 sarees using tatting, chrotia patterns. I will finish my jacket by knitting. Also, if you have observed, I have not kept any gift fund in finance section. My plan is I will be gifting my own hand made home made gifts. I have this new hobby now. Offcourse, I have done this only for my very own special ones. Let's see how much I am able to do for "others" too.

Time has already started.  Still, All the Best to me.

Thursday, April 11, 2013

Happy Gudhi Padwa

It’s the beginning of the Marathi new year today, celebrated as Gudhi Padwa. It is said to be the day when the God Brahmha had created the universe. It is one of the 3 and half auspicious days in a year, where any beginning is supposed to be auspicious.

This day the Gudhi is  displayed in the households. More details can be found at

Friday, April 5, 2013

Kenny G’s The Moment and Musical Gifts

 My friend had gifted me the "Organized collection of my all-time favorite music since last several years" and I am re-discovering myself in many of those songs.
The below one makes me remember something, don't know what... may be some forgotten childhood memory ...

By the way, I have always liked this way of gifting, after photo-gifts.  If you want to gift something very special and personal to your special friend, you can consider getting the music. Needless to say, this more personal, less expensive and since you will be doing it yourself, it will have all your relationship smell in it. Just you have to do is, you know the “taste” of your friend, you can get her/his favorite items on a cd, gift wrap and deliver. The person will really feel very special.  Moreover, they will be his/her favorite songs he/she will be missing you each time she enjoys that music.

A Perfect Parting Gift for your team member in the office who is leaving and add a romantic touch in music and perfect romantic gift for your loved one too . J

Thursday, April 4, 2013

End of Life...

 I called my father to ask about a procedure in a government office. He was at a funeral. One  kid of our relative has done suicide since his exam paper was not as per his expectations. I was in thoughts.
Why do people end their lives?
Obviously one point is the lack of communication. People may not find somebody else to communicate and this lonely feeling may create the problem worse. Long back, when I used to stay with room-mates, one of my mates, was failed in her Post Graduation Examination. She was the first class holder throughout all her schooling and college life. However, somehow she failed in a subject while pursuing her Master’s degree. Her parents, kept on abusing and accusing her so much that she was just depressed for so long. She didn’t talk with them for many days. Here, she was the most hurt person. It was her career and the person who had only seen above 60% marks in all her life  in her report card, would definitely be broken by seeing a “F” in report card. In this scenario, her family should have understand her and motivate her for further studies. In such situation, somebody is with me and understands my situation, this feeling matters so much.  I was very new in the room, just a week old and hence we were not that much “friends” and my rummy didn’t listen to me at all. I got to know all this just because I was present when she got call from her mother once. Whenever I tried to talk to her regarding this, she changed the topic or just went away. Because of her parent’s wrong behavior she gave up, today also after years, she had not finished with her post-graduation.
  Other point may be lack of trust and the faith. Will the person I have, whom I can communicate to, able to understand my problem and it’s intensity? Most of the time, people find this difficult. I mean there are people with whom the person in bad situation can share the problem and thoughts but the person don’t have that trust or bond between them. I remember, my maid had told me once the incident. She had miscarriage with her second child. She was so depressed that she was not able to face her husband and her in-laws. She lied to them for many days. Well, whatever may be the other things, but point was she was the person who was most hurt by her miscarriage… physically and mentally. But according to her there was nobody who would understand her, not even her husband, with whom, she came to this new family.
Well, today she is happy with her husband and her only daughter, staying away with her in-laws. She said, now her husband could understand her and her situation since he is independent person with independent identity.  They have to do lots of work, she has to do these house hold chores at others house to earn extra income, which prior she didn’t had to. But now she has that bond of trust in her family, even with her in-laws who visit her home occasionally. 
Third point may be the combination of both of above. First may be I don’t think I have somebody I can talk to and others who I have, they don’t understand me.  This feeling may lead to worst results if not handled correctly on time. Some time back, my co-worker ended her life by a suicide. I think, this may be the case with her.  She was friendly with people but never shared her sorrows. We have to understand first that Life is very beautiful, but most of the times we are so much into our problems in the life that we can’t see the happiness and joyous part of the life. I had called my mother when I was upset about my co-workers incident. She motivated me as she does always. But now, problem is my mother keeps me saying, “Beta, don’t take tension, don’t be stressed out”, even if I tell her, I have some data to be presented in meeting at work place, I will talk to her later. I yell at her, I am not stressing out, I know, everything will be fine. I later realize, all this is because she is so much worried about me after hearing my co-workers incident. I needed to convince her. I told mother, Mother don’t worry, I will never ever thought of suicide, no matter how many problems I may have in life. I am just not that type of person. I Love my life and I know, life has a lots of things to give back to me. You know Mummy, Dudh fatne se wo log ghabra jaate hai, jinhe Paneer banana nahi aata. ( Those people gets afraid in life, after spoiling milk, who don’t know, how to make Paneer out of it). And Mummy, I know, how to make Panneer.  :) My mother laughed. Finally, she was convinced. 

We should value our life, we should enjoy life, in all its forms. If I am in difficult situation now, that's not the end, just enjoy the phase. Later we will be remembering the phase with a smiling face. We should always have people to whom we talk to, share things.  Sometimes, we should also have backup of them. If I can't talk this problem with my mother, I should have some friend to talk to and such like that. Most of the times, we get solutions to the problems only by talking and sharing. Again, as I have told earlier, we can share happy things with anybody, even a stranger but to share a problem we need our very own somebody special. So... keep making special people special... :)

Monday, April 1, 2013

My Cable Operator s****....

Some time back,  the Government of India had passed an ordinance for the mandatory digitization of the Cable Service for the televisions. As per this ordinance, Digital Addressable System has become mandatory. This is for empowering consumers for quality and better service. Viewers will be able to access digital services only through a Set Top Box.

The implementation of this process of digitization has started in step by step manner, phase wise. The second phase has started today. As per it television sets have stopped working in the mentioned cities without set top boxes.

Now, coming back to my problem. Initially, I had Airtel Set Top Box installed. However, I deactivated the service after few bad customer service experiences. Last month I did some research for new Set Top Box and I zeroed on "Hathway". But unfortunately, the customer care representative told me that its service was not available in my area. I didn't like Tata Sky and Airtel was a strict no for me.  I planned to try the set top box my cable operator was providing me. I needed to submit some form n documents and he was supposed to come and do the installation of the box. When I called him on weekend, he told me in a very soft voice that he would reach within an hour for installation. However, I wasted my time (well not exactly wasted, I was doing other chores) waiting for the person to come and he didn't show up. I had planned lot of other things to do that day. When I called him again, he started yelling at me that why I didn't call him earlier in the month. Now, when only 2 days were left for 1st April, he has lots of tasks to do. Hell.... when that person spoke to me like that, I just lost my temper.  He had already deactivated the cable service.... before 2 days of the actual date announced by Government of India. Well, in the end he said, he will install the box on Monday. I had read about the 48 hours Blackout that was planned in Delhi by local cable operators. I am not sure, if it was followed at my place as well. But I didn't like my cable operator's service.

It's not like I am very much fond of television, rather it's the opposite. I am not a television person. But sometimes you just want television to be on and you to drown in your thoughts or may be you want to sleep sound by keeping television on. It was just one of those days for me and my television was off.

Anyways, I am adding that person to my list of the people/services to whom I have planned/imagined to sue some day in my life... :)

More details for digitization can be found at


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