Jeene Ke Failsafe

A story about the growing Indian middle class. My Take on it: Hello Hemant, I read your article the day it was posted (probably 3-4 days back) was in some other frame of mind to make up anything in my thought process. Here is my take on the GREAT INDIAN MIDDLE CLASS. These might feel more like a bore moral science class lecture, but in the end these are the issues that will define the middle class and India in the coming years – economically and otherwise. I am amongst the lower-middle income groups with annual household income of less than 5L pa in Jaipur with my wife and a 4-year old as dependents – so please take my comments in that context only, as with cities and professions the criteria for middle income group changes. 1) Prior to 1991 reforms there were only few ways to climb the ladder of social and economic liberty – govt. jobs, business with unrealistic profit margins, Dalali in many deals, etc.. But, with reforms many new opportunities came to fore and we grabbed them. If mo

I recently read an article on the TFL (The financial literates) regarding 10 rules of thumb for financial planning ( http://www.tflguide.com/2011/09/top-10-financial-planning-rules-of-thumb.html ). It is a must read for every one remotely interested in money. However, I had my own views for the rules presented there, which i list here. do not read my conclusions in isolation before going through the listed article, otherwise nothing would get conveyed. My conclusions on rules stated in the article: Rule 1 : the asset allocation cannot depend only on your age (that says that the younger you are, the more risk apetite you might have). one should also take into consideration the present financial standing - an unmarried single-child male in his late 20s or early 30s living with parents in their owned home will certainly have more risk apetite than a married young person living off his income in a rented house with his wife and possibly kids; similarly, a businessman willing to park some m

had a chat on fb with one my old buddies today. he is not here in this country and probably because of he not being here has brought some distances between us. but i think that these distances are more in the mental space than pysical. i feel refreshed and vigorated after this small chit chat of say 7 mins. feels like a lifetime of sharing has started to flow again. a few more friends are to be contacted and a few more friendships are to be revived. probably i will take the lead as i find myself at fault of not keeping in contact with them. i some times feel bogged down by may=ny things but they are more to do with my getting irritated or demanding too much from others. friends never demand anything but friendship and can be your booster dose of emotional steriods if u keep in touch with them. that is why i think that i will take things a little more lightly and will expect less from others. hope to keep in touch with my friends from now on.

जीवन में जब सब कुछ एक साथ और जल्दी - जल्दी करने की इच्छा होती है , सब कुछ तेजी से पा लेने की इच्छा होती है , और हमें लगने लगता है कि दिन के चौबीस घंटे भी कम पड़ते हैं , उस समय ये बोध कथा , " काँच की बरनी और दो कप चाय " हमें याद आती है । दर्शनशास्त्र के एक प्रोफ़ेसर कक्षा में आये और उन्होंने छात्रों से कहा कि वे आज जीवन का एक महत्वपूर्ण पाठ पढाने वाले हैं ... उन्होंने अपने साथ लाई एक काँच की बडी़ बरनी ( जार ) टेबल पर रखा और उसमें टेबल टेनिस की गेंदें डालने लगे और तब तक डालते रहे जब तक कि उसमें एक भी गेंद समाने की जगह नहीं बची ... उन्होंने छात्रों से पूछा - क्या बरनी पूरी भर गई ? हाँ ... आवाज आई ... फ़िर प्रोफ़ेसर साहब ने छोटे - छोटे कंकर उसमें भरने शुरु किये धीरे - धीरे बरनी को हिलाया तो काफ़ी सारे कंकर उसमें जहाँ जगह खाली थी , समा गये , फ़िर से प्रोफ़ेसर साहब ने पूछा , क्या अब बरनी भर गई है , छात्रों ने एक बार फ़िर हाँ कहा| प्रोफ़ेसर साहब ने रेत की थैली से हौले - हौले उस बरनी में रेत डालना शुरु किया , वह रेत भी उस जार में जहाँ संभव था बैठ गई , अब छात्र अ

Prolonged use of PC or laptops can cause serious problems to the human body which develop over a long period of time and hence are more susceptible to be ignored or confused with something else. I have been a computer user for last 10 or 12 years and have faced some of these problems myself. luckily, someone told me to follow a few simple and very effective things/practices that have helped not only to mitigate the risks but also reverse the damage done to a great extent. I share these tips in a supposedly tech.tips blog because i feel that it is the right place to put these things in perspective. Usually a PC user is involved deeply in whatever s/he is doing - programming, blogging, reading, searching, playing video/music, etc - and doesn't listen to the nature's calls. DO listen to them and urinate every 60 to 90 minutes to release the pressure from the bladder. Drink water - say 2-3 gulps every 10 minutes or better 1 glass (200 to 300 ml) every half an hour. It will help in

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have you wondered ever how pathetic and incredible our country India is at the same time. When you go out to take a morning walk you feel the cool wind of monsoon on your face amidst the greenery of your plush locality. Every thing seems to right and going just perfect! Next time just try to look beyond your usual line of sight and try to spot a municipal corporations trash bin...there will be some kids completely oblivious of the freshness in air and picking up the trash finding some of WORTH from it!!! so that they can have 2 square meals for the coming day. We might not be able to do too much about poverty around us and may even think that it not my business to feed the whole world. But, there are some people around us who are in need of our support right now and right here. Just by making two more chapatis with every meal and tryiing to give them to a child along the road to eat with some achar (pickle) we can save them from the misery atleast for a few hours. Probably it will brin