Evolution of Human Social Life!

We always talk of scientific evolution, industrial revolutions and progress of sciences. Evolution of human thinking about life and the way it is lived, is probably equally or more important. My thinking is based on practices followed in Hinduism. During initial thinking, a couple of thousand years back, life was divided in three parts; Obligation, Success, Pleasure. I am not talking of Ashramas as discussed in Hinduism. Later, freedom was added to the thinking. In Sanskrit, these are Dharma, Artha, Kama and Moksha. I feel that addition of freedom, was necessitated due to social changes, in parallel with changes in science and technology.   

I am trying to understand life style evolutions, going hand in hand, with scientific evolutions. I was wondering why the Moksha was not included initially as a part of human life. I think, that not many people really reached the age of freedom or Moksha.  

Dharma or Obligation was about doing the right things. This involved creating the right thinking in human mind; don’t become selfish, think about others. When we live in a society, the societal norms and etiquettes need to be followed. These have evolved over a period of time. In this phase of life, it is our duty is to learn societal norms. During this phase, humans also get married. Marriage is not only coming together of two people but it is about coming together of two families. This involves readjustment in your lives. This phase has undergone a major change. In olden days, marriages took place between bride and groom, who lived in the same vicinity and whose families were known to each other. The marriages took place at an early age. From time immemorial, there have been hierarchies in our society based on caste, creed and many other parameters. Ones station in life was decided by these parameters. Marriages also took place initially, dictated by hierarchy. King’s family did not marry a commoner. Have these things changed today? It is both yes and no! 

There is a typical Hindi word बिरादरी, which means fraternity. Marriages still take place within fraternity, caste and so on. But there is a big change; people now do marry outside fraternity, different castes, different religions, they can be from far off places, or from different countries. With more education, people tend to get married late. Our thinking is slowly adapting to these changes. This is major social evolution or even an upheaval.  

In adulthood, one gets established in life, simultaneously while establishing in a job or business, but both are equally important. This is the success phase. Over a period, in this phase, now there is a big change. As late as 50 to 70 years back, one finished education, got a job, got married, procreated and retired from the same job. A few years after retirement many simply died! Now post education, someone may start a business right away. On the other side it is no more surprising when people continue with their education till early 30’s. By the age of 30, I had a six-year-old son and had a work experience of 6 to 7 years. This changing trend has its own pluses and minuses. But system does evolve itself.  

Trends in the stable phase of human life are also changing. This is now a phase where people procreate, work, travel and have fun. This goes hand in hand with their professional work. Now we see many cases where both husband and wife work. People tend to be busy 24/7, 365 days doing various things in life. The trend of buying homes and big cars, as soon as possible, is also coming in vogue. Adding to these changes, another important aspect that has changed is, from joint family structure, we are switching over to nuclear family. Money in plenty is available but home support is diminishing. Our society is adjusting to these changes too! Crèches, home staff, drivers become your “family” for support. When people live in foreign countries, their parents go and live for months together for support; but in the end parents do come back home. Nuclear family of old parents is also becoming a norm. This recent trend is mainly because of globalization and IT industry proliferation. 

I feel that pleasure and freedom phases have merged and these phases start a little late in life because the medical revolution has increased longevity. People live much longer than before; life expectancy was 31 in 1947 in India now it is 66. This indicates that larger proportion lives much longer after retirement. By the time of retirement, major family responsibilities are over. Financial commitments are lesser and finance availability is much better. This is the time when pleasure phase is in top gear plus freedom to do things, that were not possible during busy phase. I have an argument which may be, a bit controversial. In olden days, after the productive phase, Moksha or merging of soul with cosmic soul was thought to be final phase in life. During those days, there was hardly anything else to do than to follow the path of Moksha and try to achieve nirvana. Hence the term merging of soul with cosmic soul was used. I have nothing against trying to give up so called pleasures in lieu of bhakti or following the religious practices to achieve moksha. But now moksha is an option, not like olden days when it was the only option.  

Large number people travel, follow their dreams, maybe start a new venture in this phase! This social change is happening rapidly due to advent social evolution in tandem with ease of travel, ease of knowing about far off places. There are online courses available for photography, learning new languages, gardening. There are facilities to learn details about Bhagwad Geeta and there are special religious tours arranged for senior citizens. This reminds me of a joke. A guy tells his friend that he was about to book a religious holiday package for his family with parents. When he went to ask his parents, the father said, ” Sorry son can’t make it! We have booked a holiday for Bangkok and Pattaya!” Social change, anybody?  

Moksha is liberation from cycle of birth & death. This is taught by our religions but religious thinking which is part of social fabric also undergoes changes, along with technological changes! When no other option is available we adopt to existing conditions. But current social changes in pleasure and freedom in life can be considered like migration of young people looking for better options! So, Moksha or evolution, what is your take? I will prefer Moksha in St Moritz or Gangtok anytime! Come join the new Moksha brigade!  

 

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False Pride 1!

My friend Ravi and I were chatting about overall situation in India. As usual the discussion came to the question, why no areas in India look like areas in any developed country? Every city has its own Harlem, China town, Dharavi and such tough areas. In most developed countries they manage to hide these areas from out of town people. Those who live in the same city would obviously know about such area. These areas are what can be described as “Fact of Life”. But in India even in Non-Dharavi parts of cities, are seriously deficient. It may be public toilets, it may be roads in posh areas, railway stations, bus stations. What is it that we are lacking? Where is India deficient?  

We are doing great in IT, ISRO, Motorcycles, and we are trying to improve ease of doing business in India. These achievements can make every Indian proud. India’s road network is improving, Metros are coming to different cities. Airports are being modernized as are many other places. We have a very large population; if used properly, it can be a great asset! Improvements are seen in the field of Agriculture. Our economy is growing at a brisk pace. Still I don’t feel great from within. Why is this happening?  

I feel that all improvements are negated by attitude of overall population. We have ministers who declare in public forum that Darwin’s theory is bogus. We had a lot of ruckus created about a movie which is based on an undocumented 700 years old history. Nobody knows anything about that history. Everything is hearsay! But some Ku Klux Klan type of organizations have offered a booty of Rs.20/ million plus to cut off the nose and ears of the lead actress! How is the actress connected with this? She is just doing her job based a role offered to her! The producer and director are producing this movie based on their interpretation of the historical fiction. This ruckus wasted a lot of time of Supreme Court, putting pressure on local security forces due to uncertain situation in many states. Does this status make you proud? 

Yesterday, we had our alumni annual get together. We first met at our college boat club. Nostalgia and the tea served in the canteen went hand in hand. Some of us had not visited the boat club since 1971! We enjoyed our cuppa in plastic cups! To our horror we found that at 3 to 4 crumbled cups were thrown on the ground. We are supposed to be elite engineers from elite 150-year-old college! Did this make us proud?  

I had shared with you a story about a doctor who is our contemporary. When he was caught stopping, on his two-wheeler, at a signal on a zebra crossing. When he was fined by an automated system he was livid! I had shared with you a story about a trained Chartered Accountant of Indian Origin, living in Sydney. His idea of fun after going to India on a holiday was to break traffic signals 30/40 times! There is story from England of a group of Indian origin people living in the same town. They were from one village in India. One of them dialed a number in India, then turn by turn they talked with their relatives. Total call duration was 8 hours. When the person received the next bill, he promptly raised a complaint. He claimed, “Yes, we do sometime talk for 15/20 minutes, but 8 hours call indicates that there is a technical error”! The phone company promptly removed their 8-hour call from the bill. Do these stories make us proud?  

Most of the stories I shared above are about the so called educated, elite people from our Bharat Desh! Unless these basic behavior changes, how can India improve? I read a statement somewhere. A country is considered developed, when rich people travel in public transport. This happens in UK where Ministers and MP’s go to parliament by tube. Though a lot of good things are happening in India, we as a society are always looking to cheat, break laws with impunity. If govt officials try to implement law, they are threatened and sometimes beaten. The most famous statement on Delhi road is, ” Do you know who my father is?”  Very rarely an influential  parent will allow the law to take its own course against their children, even if a murder is involved.   

Sometime back, I had read a story about Police Commissioner of Tel Aviv. He was found talking on cell phone while driving. The policeman on duty, asked him to stop and fined him. When he read the person’s name on the license, he realized that the person was his biggest boss. Commissioner paid the fine. Couple of hours later the policeman was called to Commissioner’s office. Policeman was worried but on reaching there, he was awarded a certificate for exemplary work! Recently, a couple of ministers were photographed, driving two-wheelers, during a political rally, without a helmet. City police are afraid to even discuss making a police case out of the incident! Does this make us proud?  

Gadkari

A lover boy wanted to meet his fiancé who was in transit at an airport. He forged an old ticket and entered the transit area somehow. While coming out he was found and arrested. Why he did this? Why break laws, forge a ticket without fear?  

We can find examples galore. These examples just show that on one side we talk of great old Indian civilization but we are not afraid break laws, throw muck around, do what we want. We always want to cut corners. With all such acts, is there any benefit? No there is absolutely no benefit. Then why do we do it? Superiority complex? Superior to what? Does place in authority or having a little extra money give us moral rights to do whatever we want? Do these acts not inconvenience others in the society? Are rules and laws not same for everybody irrespective of your station in the society? Why there is a porter given to ministers to take their hand baggage into an airplane? Is it so difficult? Which law says that it is allowed?  

Friends, I will be sharing and discussing more about Indian mentality,  regularly. Please share your thoughts and give suggestions. Let us all work together and make ours a great nation. It is doable. All should simply behave like normal humans. All the high posts, minister ships are temporary. Why an army car or a police vehicle halts on a no parking road? Are those using such vehicles with buttery legs? Can’t their drivers park their vehicles in parking zone and come back to pick up, when work is done. We as society treat these misdemeanors as rights and feel proud. Let’s go away from such false pride! The day we start feeling ashamed of such behavior, India will be on the mend.

                                                                      Jaihind!  

 

Complex circles called Life!

 

Poem3

Today I came across this poem, it could be about a Mother. I will be swapping term mother for parents during the blog as in relationships , mother is prominent. आई, जननी, माता, मा are different names of the  epitome of human relationship. This relationship is one that cannot be compared with anything else in the world.  Mother is the ultimate giver and in the end also she is giving her last but lasting and valuable suggestion,  to us about letting her go!

Only a child and the mother have real closeness during pregnancy before the child is born. Their heart and breathing patterns have the same rhythm during this period. The term “cutting of Umbilical Cord” is used when time comes in Guru Chela type of relationship, to part! Once this Cord is cut, the child slowly gets away from common rhythm; if the child is upset or crying, the mother holds the child to the bosom, the child probably recollects the old rhythm and starts to quieten down. This is the strength of the rhythm.  The child starts growing, the influence of mother starts diluting because of many more interactions with the real world.  Mother feels that her child is going away from her. Child starts recognizing  friends, cousins, uncles, later on associates and the list is ever increasing. Though the intensity may not change, time together starts reducing. The mothers go out of their way to raise, teach their children about life in general. They educate them, they help them physically to learn to walk, talk, and sing and what have you. Mother is the All in One teacher of everything for the child. Mothers do so many sacrifices for their child, but it will be separate subject for discussion.

When the mother teaches the child about growing up, she teaches the child many things including relationship after marriage. Post marriage dilution is the biggest one and mother sometimes find it very difficult to handle. Dilution also occurs on arrival of more children in family. In all this teaching, mothers tend to forget to “learn”. When a person gets married, in the initial phase the closest inner circle will be Husband-Wife, next will be Parents from both sides in a tight circle; these two circles may cross each other regularly. Siblings, grandparents are in the next circle. When a child arrives in the marriage, the inner most circle is naturally Husband, Wife and Child. Parents get shifted to slightly loose outer circle and similar shifting takes place for all circles. As the children grow, Parent’s support system may not be needed and the “tight” outer circle becomes a normal outer circle with corresponding shifts in other circle.

Later, Parents grow older and in reverse they may need some support. This is where the unfortunate but unavoidable struggle starts. The support could be physical, financial and mental support. Physical support means actual physical support, this can be provided by children themselves or by supporting staff. Financial support depends on the means jointly available with the family or individually with parents. Mental support is one which is tricky. Children are busy in their own things and their availability for parents may  reduce. But the mother is always comprehensible, intelligible and straight forward. In most cases she knows how to remain a little distant as situation demands.

The poem above, reflects the thought process of a parent, at sunset of life. Parent suggests that children should let go when their time to go arrives. This is the ever giving nature of the parent, who wants to help children to deal with the tough situation.

Now a practical person in me is stirred and some thoughts came in mind.  Our society has changed a lot, in last 50 years and many good things have happened but some tough situations are bound to be there. In olden days, in my Grandfathers time joint family was the norm and now nuclear family is the norm. In olden days life spans were much shorter. Now with better treatments, medicines longevity has gone up. So there will be many parents who will be around for a long time and they will be  “with problems”.

How can the children give back? Is there a mandate to give back? No I don’t think so. I also hear a discussion about giving back to society! In the “giving back” culture, should your parents come at the top of hierarchy? Its a tough call in busy life! Especially if you do not live in the same city. I see and hear about such situations regularly. How do I solve my dilemma? Mom can you help him resolve this one last time?

 

Five Season’s of Beauty!

There are different ways of naming seasons, people, trees. Seasons in India are Summer, Monsoon and Winter. People are described by their heights, their likes and dislikes. Some are coffee folks and others are tea folks. Some are beer guys or wine folks. Some love whiskey and others like their Vodka or Rum! Some are morning types and others are night owls! Trees are classified as coniferous, perennial, shady and so on. My favorite method of differentiation of people is based on the seasons they like.

Seasons based on Calendar are winter, spring, summer and autumn. In tropical areas the seasons are only two, wet and dry seasons. But in India seasons are Summer, Monsoon and Winter. Monsoon season is very different in India. When did I really start understanding seasons? I was in school maybe 5th grade and one day I needed an umbrella to go to school as I had exams on that day, hence I needed to go to school. This thing had never happened before so when it rained, I simply used to skip school if it rained heavily.

Names of seasons are also used to describe somethings in our life. Winter of discontent, there is a spring in his stride, are some of the terms come to mind. Summer of discontent is another term, that is used. What do these indicate? Winter of discontent indicates that bad days or times are at an end and they change for better, in the form as spring is coming soon! Summer of discontent is the term used when unhappiness or sadness of life is at the peak! Spring in stride indicates the fresh air or exuberance.  The reappearance of robins. The disappearing snow.  The longer hours of daylight. The emergence of flowers.

I started thinking in terms of Indian seasons, am I a summer guy or a monsoon guy or a winter guy. In India, the weather conditions are different in various parts, simply because of hugeness of the country. In summer, we have temperatures nearing 50 deg C in certain areas to minus 10 deg C in cooler climates in winter. Monsoons can bring rains to the tune of 1200 cm in a season. Weather in the country can be moderate to extreme like the human beings. Pune, where I normally live, is known for moderate weather, all the seasons are comfortable. Has that made people in Pune reasonable people? Does extremism or moderation in people happen because of the weather? I think it does. I am talking of general populace and not the wrong kind of people! Wrong kind of people are omni present where ever they want to be, irrespective of seasons or weather.

Summer, for me is lovely Alphonso Mangoes, Sugarcane Juice, Raw Mango Panna a kind of home-made sherbet! In childhood, it also meant school holidays, round the day playing cricket, table tennis and badminton! I used to live in Mumbai in those days. Once in a while there used to be a trip to relatives’ homes in Bombay or sometimes to Pune. That was the farthest we would travel in those days. There were no summer holiday trips to cool climes. Those were outside means of our family. And did I enjoy my trip to Pune by train? Eating Batata Wada (a potato patty) at Karjat!  That used to be the high point of the journey! End of summer also meant excursion to markets with mom to get new school uniforms especially when I out grew the older uniforms! Then of course there would be a trip to stationery shop to buy new notebooks. Followed by a session of covering the notebooks with brown paper, followed by sticking the labels for the names! Of course, there used to an occasional day of punishment when we overdid things! There used to be pinching of small coins from home to drink ice cold lemon sherbet on cricket ground.  But now in golden phase life things have remained more or less same but with one big difference. Diabetes makes things a little bit tricky for Mangoes and Sugar cane juice!

Monsoon in Mumbai and Pune are totally different. Most of the monsoon, one could manage without an umbrella in Pune! In Mumbai, many times it hardly mattered whether you wore a raincoat or had an umbrella; you would get drenched. Weather in Pune in Monsoon would bring a bit of chill but in Mumbai you were not sure whether you got drenched in rain or sweat! In Mumbai, going to Marine drive to walk on the sea wall, with heavy rains with heavy rains lashing and sea waves crashing on the wall! Oh, what fun we had! Mumbai’s rain fury is seen to be believed! As the British say, it rains Dogs and Cats in Mumbai, sometimes. Though it is a bit difficult to handle, it should be enjoyed at least once. It should be added to your bucket list. One day, I had pinched some coins from home and it was raining heavily. Heavy rains could sometimes create havoc in Mumbai. This was great opportunity to come home, from school,  ( we used to lie about lack of buses) walking in heavy rains and on the way, going to our favourite restaurant to eat a Dosa! That was the biggest heist in our lives!

Winter, of course is a special season for Pune. Cool breeze, some mist, some fog, everybody going around in their woolens with seniors using mufflers and woolen caps! Drinking hot tea with Salty biscuits at the road side kiosk was equivalent of reaching the heavens! In my younger days, Pune would almost shut down around 7 pm, like it happens in cold climates. I remember that my grandfather used go to sleep at 7 pm! Going up the hills in winter was another of past time in Pune. In all my stay in Mumbai, I was required to wear a sweater may be a few times but in Pune, for 2 ½ months sweater was a must!

Which is my favourite season? Cool climates are what I love the most but then monsoon chill in Pune is also great fun and as temperature don’t go down like in winter. Recently in Switzerland, we were caught in Bern, with reasonably cold weather accompanied by a light drizzle. We were geared for both rain and cold but found it very difficult to handle it!  That is when I realized that I love dry cold and not wet cold! I love winters in Delhi too but these days pollution has made things tough to enjoy. So finally, I am a winter guy, in hot countries!

Folks, there is one season that we forgot! Its season of love! Well, romantic love is what I am talking about. This is one season that never goes away, its beauty never feds!  It has its own low tides and high tides! All the things mentioned above, get turbocharged when you are in the love season! Seasons of nature and season of love merge. The season of love never changes into next season, but has its ups and downs! This has its highs and lows! But how many of us are lucky enough to have season of love in the life, throughout life? Season  of love in life, is a great elixir and is supported by small doses of nectar provided by the natural seasons! Lets get a bit philosophical. Do you have five seasons in your life?

I will share with you a lovely Hindi film song. It talks of natural seasons and the season of Love! Enjoy!

Palmistry & Horoscope!

The other day we went for dinner with an American friend of ours. The restaurant was in a mall! While going to the restaurant we saw a palmist sitting with his advertisement board and all! He was dressed in appropriate attire. This is a very sensitive subject, so here is a disclaimer! I am not writing this to hurt anyone and I am not passing any judgement. When I read on these subjects, questions come to mind. I am trying to check them against known facts and current scientific knowledge.  

Our friend asked us jokingly, “Hey Pramod, did you and Jaya get your horoscopes matched before marriage?” I told him we did not do that, I said we had a civil marriage where no religious ceremonies were involved. Both Palmistry and reading of horoscope are supposed have their origins in India. Both these  have been practised from ancient times in India, China, Greece and old cultures. There have been misconceptions, wrong interpretations, disrepute galore through the history, about these practises. Are these sciences as some people call them ? We have extreme views on the subject, total belief to total disbelief! The real thing must be somewhere midway as usual!  

What does palmistry tell you? The palmist studies the palm of an individual and can foretell some things about the person by studying lines, shape of palm, ups and downs on the palm and so on! Physical features of palm definitely tell about person’s cleanliness, health, occupation, nervous habits. Nail biting and Calluses are indication of this. Over a period, a palmists have learnt to judge the people’s personalities. I have a feeling that 60% information predicted can be correct. I assume that these people also study the face of the person; face reading is also an art. We are also aware, that medical professionals are able to judge various things about the patient’s personality looking at the face and the palm. But this is judgement backed by scientific knowledge. I feel that palmistry can be described as an art rather than science. During my childhood in Bombay, there used to be palmists siting on footpaths. They would have details written on paper and neatly tucked in envelops. These envelopes, between 50/75, would be kept in front of him. When a customer arrived, there was a practise that the customer would be asked to give some feed to the bird! After that, the bird would hop around and select an envelop for the customer. That envelop contained a document with customer’s future explained! Wow! Perfect natural way of prediction with no bias! Now I am told that bird is replaced by a computer!

Horoscope is another matter. The description of the constellations is based on the Traditional Astrology – the emphasis is put on the natural inclinations, talents, and events that one may encounter in life. Horoscopes are mainly used for matching personalities of the boy and the girl before the marriage. Each horoscope is supposed to have different Gunas, or check boxes. It is said that if 36 Gunas match for both, then the pair is perfect for marriage. If the match is less than 18, then the marriage is not expected to take place. I also understand that the horoscopes can be suitably modified, at a cost! I remember a joke. A pair decides to get married after their parents get the Horoscopes matched. Match is 100% as 36 gunas match. Then next day they go out for a cup of coffee. The girl says to the boy, now that we are getting married based on 100% horoscope matching, tell me how many affairs did you have? The boy is a little shaky but says, “Oh! I had five affairs!” The girl says.”now I believe in horoscope completely! Our 36 gunas had matched! I also had five affairs!” 

Lot of questions come my mind. My personal opinion is that these are not proven practises. These are judgment-based reading of the situation. In case of palmistry looking at hand and face! In case of horoscope, these are based on horoscope created for the person born. In horoscope, study is made with help of checking of Nakshtras or Lunar Constellations and their positions with respect to each other. This is supposed to checked on the basis of exact time of the birth of the child.  That is where questions start popping up in my mind. Currently, 3,500,00 children are born every day. This means 4 per each second. Do all these four have exactly same horoscope? Since horoscopes are being created for a very long time, there could have been issues due to incorrect time measurements. Time measurement correctness must be an issue even today in rural India. If the basic premises are wrong, then will the Horoscopes be correct? The Horoscope also says that an individual can have bad omen or Mangal Dosha, when there is certain astrological combination. 

In Hindu astrology, Mangal Dosha is an astrological combination that occurs if Mars (Mangal) is in the 1st, 2nd (Considered by South Indian Astrologers), 4th, 7th, 8th, or 12th house of the ascendant chart. A person born in the presence of this condition is termed a Manglik. 

It is believed to be unfavorable for marriages, causing discomfort and tension in relationship, leading to severe disharmony among the spouses and eventually to other bigger problems. This is believed to be caused due to the “fiery” nature of the planet Mars, named after the Roman god of war. Also, if two Mangliks marry, the negative effects are believed to cancel each other out. However, Mars is not the only planet in Astrology that is supposed to affect the relationship and these effects should be seen in a broader perspective of overall astrological compatibility. Two bad things negating each other and creating “Good” scenario, is a great way of overcoming constellations! I am told that there is one scenario where the Mangal Dosha in a person can be negated by doing some religious ceremony? How convenient?! 

I remember one scene from a Hindi Movie, Munnabhai, MBBS. During the marriage ceremony of a couple, their  Priest is creating fear in the mind of the family about Mangal Dosha and what can go wrong because of that. The hero of the film asks the Priest, “Do you know what is going happen to you in next one minute?” The Priest says that nothing is going to happen. The hero takes out a gun and puts it to the head of the Priest and says, “I am going to kill you! If you do not know your own destiny how can you tell other people about their life’s destiny based on unproven practices?” Of course, he does not kill Priest! The destiny is the correct word and destiny generally decides what is going to happen in our lives. The beauty of life is that, we do not know our destiny. It helps us remain optimistic all the time. I had a sore throat trouble for a month in 2013 end; till I went to a specific doctor I never imagined that I would be detected with Cancer! Even when I went into his clinic, I thought the doctor will give me some very strong antibiotics or steroids! This is destiny! But I did not go to palmist or a horoscope guy.   

In today’s times there is great scientific advancement, many things are predicted by science. Still a large number of people believe in in unscientific methods of predicting future, deciding marriages, starting new ventures. What is it? Fear of God? Fear of Bad Omen? What is Bad Omen? This term is being used in the foreboding sense, as with word ominous.  

Palmistry is another method of knowing about the nature of a person and foretelling persons future. Let me tell you scientifically the reasons why we have lines on the palm. Scientifically speaking the lines on a palm, or palmar flexion creases, help the hand’s skin to stretch and squeeze. They can also help identify certain medical conditions. The thickness and number of creases on your palms also depend on factors such as family history and race. This indicates that these lines are formed in the natural way. Lesser number of creases may cause difficulty in stretching skin in that area and may cause bunching of skin.  

Using these lines to predict nature and future of the person is difficult to accept. Faith that people have in palmistry is simply amazing. Let me tell about my college friend. He was a very smart guy and suddenly he started claiming that he has been studying palmistry. But he also claimed that he had specialized in palm reading of girls! Let me assure you, he had a good cliental in college and all his friends were extremely jealous of him!  

I simply believe in Him and destiny. I will share a small anecdote which mixes horoscope and destiny, but its fiction. A person goes to see a horoscope guy and asks about his destiny. Horoscope reader tells our friend that he can predict death but does not share this information. He is told, “You are going to die today evening at 6 pm hence I am sharing with you the time.” Now our friend gets upset and decides that he is going to cheat death! He tosses a coin, heads he goes to North and Tails he goes East! Its Tails so he goes 100 km East and checks into a hotel. Orders food, asks for some beer and watches TV. He awaits 6 pm! At 6 pm there is a knock on the door. He opens and sees Yamaraja himself, the God of Death. Our friend says, “Ok, I am ready but I tried to cheat you and it was pure luck of the coin that decided my presence  here today. How did you locate me?” Yamaraja is surprised with the question. He looks at the document in his hand and says, “This document says that you would be in this hotel today at 6 pm. I was not required to look for you. I came here straight!” Destiny? 

I am predicting future! Future tellers will ask you to put your finger on a glass, eyes on lenses; immediately you will get OTP! The teller will tell your Name, Age, Sex, Address, Date of birth! It’s pure science called UIDAI!

Money Matters!

Money, Money, Money is lovely song by Abba from 70’s. Money is an important thing in life but it is not everything.

Historically when life started, there was no trade as there was no ownership concept. With individual ownership concept, starting 10000 years back, barter system started. Which later got converted to money and later into currency system. With industrial revolution, wealth generation started galloping and with that the greed! Before this period, only rich people were  the royalty and their kin! This of course continues, I need not say who the modern royalty is. Latest revolution in computers and related businesses have crossed imagination in wealth generation, beyond everybody’s expectations. But the main thing is the “you and me” gang started doing well, moneywise!

How do people make money? Some are brilliant wealth creators, they develop products, processes and concepts which the whole world appreciates and buys. Some inherit money but people like you and me, make money in a very conventional way. Typical people of our generation got themselves good education, took a job, tried to get office accommodation, later bought own home. With other family responsibilities, small amount of money remained in balance which was promptly invested in Bank Deposits. This was the process of living life, straight as an arrow and most important, safety first!

But is the conventional way of living safe life and being satisfied with it, relevant in today’s times. Probably safe deposits route was perfect for socialistic thinking of 70’s and 80’s of last century, we got used to it and continued. One person in Mumbai was given Shares of Wipro in 70’s worth Rs.10000/. The person was moneyed even in those days. He promptly forgot about the shares. When he died around 2010, his family found these shares which were simply stowed away. Their value had become Rs. 280/ million! Wow, Wow and Wow! In today’s financial jargon it is called long term investment! The money was invested in the so-called Market! In modern economies an individual is now being forced to be in the “Market”. For bank fixed deposit now, interest rates are negligible hence the shift. But there is greed. People got lured from FD in banks to very high returns from time immemorial. When banks could not give good returns, how someone else will be able to give high  returns on money. No one raised such issues, at least initially.

In came Charles Ponzi in 1920 in USA. He started one such scheme and lots of  people got sucked and ruined in his schemes. A Ponzi scheme is a fraudulent investment operation where the operator, an individual or organization, pays returns to its investors from new capital paid to the operators by new investors, rather than from profit earned by the operator on previous investments. As explained, excellent marketing techniques helped first group of people to be lured to such schemes. They were given exorbitant returns from the money invested by next batch of people. This cycle continued for some period and then unexpectedly for the investors, but expected by knowledgeable people, these schemes collapsed. With the schemes collapse, the people collapsed. The way Cadbury chocolate has become generic name for chocolate made by any other company, all such fraudulent schemes came to be known as Ponzi schemes.

Latest to join the bandwagon is the currency in news, I won’t call it popular, Bitcoin. Bitcoin is a cryptocurrency, a digital asset designed to work as a medium of exchange that uses cryptography to control its creation and management, rather than relying on central authorities. The presumed pseudonymous Satoshi Nakamoto integrated many existing ideas from the cypherpunk community when creating bitcoin. Over the course of bitcoin’s history, it has undergone rapid growth to become a significant currency both on and offline – from the mid 2010 onward, some businesses on a global scale began accepting bitcoins in addition to standard currencies.

To give you some feel, in 2010 Bitcoin was trading at 1 bitcoin = US $ 0.003. In November 2017 at its peak it was trading at 1 bitcoin = US $ 17,900/. Today, January 2018 it is trading at 1 bitcoin = US $ 11,171/, this is the  reduction in one month. Ponzi Scheme? I don’t know. Bitcoin is trying to replace global currency in the form electronic currency. But for such type of Electronic currency to succeed, all nations in this world will have to agree. Ten developed nations in the world including US, UK, Denmark, Sweden, Australia have formally accepted Bitcoin as a currency. This may get accepted over a period of time as money. All sovereign countries formally have to be accept Bitcoin. Without this acceptance I visualize a tricky scenario e.g. today you can get one Pizza in US for one bitcoin. How much will you pay for the same Pizza in UK and in Australia? Is this rate going to be based on comparative rates of current currencies? Presently, I find it difficult to understand how this will be achieved. Will I dabble in Bitcoins today? Definitely not. The currency which can get 38% devalued in such a small duration, and has yet to get approval from most of the countries in the world, is a strict no, no for me. I am sure Bitcoin or something similar may become a global currency in future but I feel that is still some time away.

What will today’s generation tell their children about money management? Take your education and learn some special skills of your own! Well, I am sure you know the market conditions, if not study them and create your wealth. Don’t waste your money on homes and cars, when you can always rent whatever you want. But try to stay away from Bitcoins of this world. It is today’s Ponzi scheme!

To you my friends one quick suggestion. Under financial advisor, put some money in market schemes which are Trigger based. Your funds are normally invested in debt funds; but when the equity market is on the Bull run, the money  will get transferred to Equity, make decent money and when Bear run starts money will be shifted back to Debt funds! Any takers from my generation?

Home Alone !

The other day while chatting with some friends, a friend used a term Home Alone or something similar! The reference was about someone, whose all three children live in US, Germany and Australia. He used a phrase that was contradictory. “You two must be alone here as all your children live in foreign countries”! How can two people be alone is the question that came to mind. A person is called alone when he has no one! But can any person be without anyone? 

The fact that a person was born means at least two people were involved in the process. My theory is that no one is alone. Alone, loneliness is a state of mind and not physical. When the friend made the statement mentioned above, it was contradictory. When husband and wife are together they cannot be alone! They are a couple who have spent their life together. As against this, a person lives with spouse, children, their family and relatives but still can be alone. But this may be better described by word lonely! When we are born, we come in this world alone and when we pass, we go alone! These are probably only events when one is alone.  

At birth, every child is alone in this world as the child does not know anything, understands nothing. This happens in all the species. Some nurture their babies, bring them to a stage where they are slowly able to manage and handle  the world. Time required to achieve this independence varies from species to species. Only in human race, because the child has to pick up a lot of skills, we look after our progeny almost for first 19/20 years of life. During this period, we learn a lot of social skills, we develop a lot of friends and acquaintances. This obviously gets developed into every person’s ecosystem. Of course, there is a possibility that the ecosystem may shrink over a period if one lives way beyond normal life expectancy and this can happen in late phase of golden age.  

Some are born extroverts and some are born introverts. Those who are introverts can have lesser company of people over their life-time. I am confident that they are definitely not lonely, it is the way they are made. Introverts may be happy to have less people around whereas extroverts will be happier with more people around. The so called lonely exist because of certain health issues like depression or major illness. These issues need medical treatment. Another reason the loneliness can arise is because of certain different traits in one’s nature. Some are very uncomfortable meeting new people whereas some are looking forward to meeting new people; it is their elixir! Some have inferiority complex because of the way they look, the family where they are born and so on. But generally people look for good traits in an individual rather than their physical side. Those with such trait can become lonely.

Loneliness is a state of mind created due to some event or an illness. This state of mind creates a poison within you! It is like bile generated within you. You feel better only when the bile is vomited out. Similarly, we must make an attempt to throw the poison of loneliness out of the system.  Most of the time, the state of mind is created due to misunderstanding; this can also happen due to not understanding or knowing the right circumstances.  

I found a beautiful poem, about loneliness,  on the net. 

If tonight you feel alone wondering 

If anywhere anyone 

Could possibly be missing you 

Just know that if they do not miss you 

It is because they do not know you 

And have not seen the incredible beauty in you 

This poem correctly depicts the situation which arises by not knowing the facts! 

Friends, I veered from a casual remark made by someone, “You two will be alone, is it not?” The technology which is available now is the greatest boon to mankind. How it has brought people closer and together? How family living in different parts of the world can be close to each other due to technology? Alumni Associations, different WhatsApp groups, Facebook have done miracles in the lives of people! But will all this really help if your mind is not open? This technology has created some funny situations of loneliness where someone with 1000 FB friends does not know his neighbours.  

So, keep yourself and your mind open; even after trying this if you still feel lonely go and see a doctor and get yourself treated! After all one can take horse to the water, he will remain thirsty if he does not drink it. You can still be lonely in Sea of People!