Is there a man who can say
That he is free of addiction
Some can be seen, some can’t
Some harmful, some not
A man can chose to be any
Addiction defines what he chose to be
Is it fair to decide whats right for others
By your convenience and arrogance
Just because power is in your hands
Never gives you the right to do wrong
Get rid of addiction when the person wants
And leave him alone if thats his best company
A wise man once told me
If you de-addict someone, they live long
But they die the day they are forced to de-addict
Addiction is as natural as life and death
The only difference being it consumes everything in between.
No temples, churches and mosques
Wouldn’t we all be god if we never had addictions
Its what makes us human,
at the expense of ourselves and others.

Kettyolaanu Ente Malakha [Movie Review]

After years of staying up late and missing my routines –  I had taken a few resolutions  and trying really hard to stick to them. One of them is sleeping on time and sleeping enough.  But, once  in a while  – you want  to go back to who you are. Your roots. Your fitrat or  what really keeps  you alive.  As kid learnt guitar at elfwood, I sat on the sofa after a day full of running around for some useful and some not so useful things.  My eyes wandered over the main section of Prime Video and I settled on this Malayalam movie. Simply because I had watched the two recent blockbusters  –  Sarileru nekevvaru and Ala Vaikuntapuram lo , typical Telugu style( If you know what I mean;)  – I was craving for something very simple and free flowing.  Saw good review online, and  started  watching.  Night after putting kids  to bed –  I sat and finished the movie.


The storyline  is really simple. A overaged guy who’s never been with women gets married.  Not knowing whom to ask about consummating and being comfortable with women in general –  he falls into the overhearings between his drunk friends, all with failed marriages.  In that influence, he commits  marital rape which knocks the girl unconscious.  The beauty of the movie is the dialogues that comes  out of Asif Ali’s mouth after this  incident.  He does  not understand what he has  done, and asks  her not to make a big thing.  And  there  is  surrounding narrative where the women in  a scene tell that  this  is quite common, although people don’t faint on  a daily basis. And another woman wonders how and when she had the 3 kids she’s raising today.  Asif Ali’s character is  built pretty well –  he is mis informed, not with malicious intent.   Veena’s (wife) character realizes this slowly and painfully.   The  last scene left me  in tears, and forms the  crux of the  movie.  Absolutely brilliant.

I loved how  the native life is captured beautifully – the  costumes, the mannerisms  and everyday life.  Althrough the movie, I felt it was  happening somewhere around me and not on the  screen.   My only pet peeve was that,  the  character has his journey and changes his perspectives. However, not everyone can – and little help taken should have been part of the narrative.  It is good to watch, but nothing to take away for someone in that position.

The movie can be compared to a stream which is flowing slowly and steadily.  It grows over you – there are no loud moments, no melodrama and no judgements.  Just as water changes it course when it hits a rock –  Asif Ali’s character changes it’s perspective and learns his way with the women.

Review –  4/5

Have a good day and keep rocking!!

Avani Day Trip from Bengaluru

After a  week after the trip to Avani, here I am to chronicle the journey and the trek.  As  Vinod  was about to leave  on his usual business trips, we made an impromptu decision to make a day trip to Avani.

This is a place of GREAT historical significance to Hindus. A Lot of important scenes from the epic Ramayana have happened physically here. For example, this village  hosts the place  where  sita devi had left the world by breaking open the earth into  two and going into it,  patala ganga, ashwamedha yagam,  her delivery place, feeding place and the place where she did  her  chores.  The hair on my body stood up when the guide showed us the  finger prints of  sita, caused by continuous usage of kumkum from the kumkum rack.

Here are some pics from  the  trip –


As we reached Ramalingeshwara Temple@Avani foothill, a local approached us and proposed to be a guide to take us to the temple uphill.  We are glad we went with him. The trek was a moderate climb with around 800 steps.  To talk about it, my 60-year old father in law and 5 year old younger daughter also did the  full climb.  There are places we can rest, and the steps  have  been carved out of the mountain and rocks around.  The temple on the top has  a priest and is maintained  quite well.  We took a water bottle and luckily the weather was very pleasant.  On a hot day, it would be really  difficult to do the climb with the age groups we went with.  Was  it worth it?  Every second of it.

For breakfast and lunch, we picked places enroute.  For lunch, my special recommendation is Maiyas in  the mall on the  way back to Bengaluru.  It is detour, but given the quality that is  so doubtful on the roadside dhabas – it was  worth it.  We left at 8 AM and were home by 6 PM.  It is around 100 km from Bengaluru and a very highly recommended one day trip.

Have a good day and keep rocking!!

Personal Finance Management [Notes]

Below is the short summary of the PFM course I brought here.

 SECTION 1  – Basics

  • It takes money to make more money.
  • Savings is short term, value remains stable and lower returns in long term
  • Investments is long term, value moves up and down in short term,  potentially higher  returns over long term
  • Simple Interest :  Interest not re-invested, only Principal invested
  • Compound Interest :  Interest re-invested, along with Principal.
  • Future value of an investment  is calculated in Excel using FV Formula.

SECTION 2 – Budgeting

  • Budget : Basic is to track a month’s expenses.
  • And then, use this data to cut down expense by 5% for next month.
  • 50-30-20 :  50%  Needs,  30% Wants and 20%  Savings.

SECTION 3 – Goal Setting

  • SMART  Goals –  Specific, Measurable, Achievable, Realistic and Time bound
  • Arrange goals into – Short term(0-2 years),  medium term( 3 to 6 yrs) and long term ( > 6 years).  Plan investments for each goal.
  • :  Macro Indicators across 20 Countries
  • Absolute Return –  Return on the Investment
  • Real Rate of Return –  Return on the Investment, after Inflation is counted out

SECTION 4 –  Investment Options

  • Three main parameters for an Investment :  Liquidity, Safety and Returns
  • High Risk, High Potential Returns. Direct Co-relation.
  • Bank Deposits
    • Fixed Deposits : Lumpsum once
    • Recurring Deposit :  Every month investment
    • FD fetches higher return than RD ( Future Value Formula Calculation)
  • Post Office Schemes
    • Mainly  for Rural Areas, where Banks aren’t available
    • FD and Monthly Investment Scheme
    • Post Office gives 5% bonus on the Investment after maturity
  • Bonds/ Debentures
    • Nothing but debt instruments.
    • Companies raising  money via debt from public
    • Promises Fixed Rate of Return for the debenture
    • Secure Debenture is when the Rate of Return is guaranteed, even when the company goes bankrupt
    • Unsecure Debenture is when Rate of Return is unguaranteed,  full investment is lost in case company goes bankrupt
    • NCD – Non Convertible Debenture. Cannot be converted to Equity.
    • Good Investment Option, compared to Bank’s Fixed Deposits.
    • Generally,  Debentures are listed on Stock Market. High Liquidity.
  • Corporate Fixed Deposits
    • Gives 3 to 4 percent more
    • Unsecured in nature
    • High Risk, High Potential Return Scenario
    • Possibility of company going bankrupt to be checked  before  Investing
  • Bullion ( Gold/ Silver  Investments)
    • Making Charges make Ornament purchase not a very wise decision
    • Gold and Silver move  in upward  and downward direction
    • Best Liquid Asset
    • Gold can be brought in e-format as well
    • For  physical purchase, include  locker rent as  expense.
  • Real Estate
    • Divisibility is a problem
    • Encroachment is an issue with land real estate
  • Equity Shares
    • Give share in the company for return in raising funds
    • Give dividends, at the mercy of the company
    • Must have Trading account, DeMAT account and Savings Account with money.
  • Mutual Funds
    • Mutual Fund Manager to manage the investing decisions
    • Units of  Mutual Fund
    • NAV :  Net Asset Value ( Price of a mutual fund)
    • Goes Up and Down
  • Financial Pyramid
    • As per the savings, investments to be planned accordingly

SECTION 5 –  Insurance

  • Insurance is NOT an Investment Vehicle
  • Life Insurance
    • Nominee gets the money once the insured passes away
    • Types
      • Term Life Insurance :  Pure Life Insurance,  money gets lost in case no death occurs within the term for which the Insurance is  purchased.
      • Endowment Policies : Nominee gets  Maturity Benefit, in case the insured is alive, at the end of the policy completion. No benefit after policy expiry.
      • Whole Life Policies :  Policy where the nominee gets the money even after the policy expiry.
      • ULIP ( Unit Linked Insurance Plan ) : The premium is invested in Stock Market.  ULIP is not safe option, because it gets invested in stocks
  • Medical Insurance
    • Works only when the Insured is admitted into the Hospital for atleast 24 hours
  • Personal Accident Insurance
    • Works when a person meets with Accidents
    • No mandatory in-patient rule
  • How much Insurance?
    • 5 Times of your earnings is the bare minimum requirement

SECTION 6 – Tax Saving Options

  • Section 80C gives deduction from Taxable Income  upto Rs. 1,50,000 for select Investments like
    • Life Insurance Premiums
    • Housing Loan Principal repayment
    • PPF ( max cap of 1.5 lakh per year)
    • ELSS ( Equity Linked Savings Scheme)
    • Bank Fixed Deposits ( Tax Saver FD)
  • 80 CCD :  National Pension Scheme
    • Additional Cover of 50K over and above the 1.5 lakh limit
    • Can be opened with any bank, lowers taxable income
  • 80 D :  Medical Insurance
    • Cap of 25k for self and family
    • Cap of 50k for self, family and parents
    • Cap of self, family and senior citizen parents 55k
    • Cap of self(senior citizen), family and senior citizen parents 60k
    • This is deducted from the taxable income, to arrive at net figure
  • 80 G : Tax Savings via Donation
  • 80 E :  Tax Savings via Education Loan
    • Interest amount paid on Education Loan is deduct
    • No upper limit
  • Incomes exempt from Tax
    • Long Term Capital Gains ( LTCG) on sale of listed equity stocks
      • > 1 lakh is taxed at 10%
    • Dividend received from domestic companies listed on stock exchange
      • > 10 lakhs is taxed at 10%
  • Section 24
    • Principal Amount Exempt from Taxable Income
    • Max amount of 2 lakhs for self occupied houses with loans
    • 100% saving on the loan, if the property is given for rent

SECTION 7 – Loans

  • Personal Loans –  Interest rates so high,  Personal Loans are not recommended at all.
  • Loan against FD – Also called OD against FD.  Interest charged at 1%  extra more than the FD promised.
  • Home Loan – Processing Fee,  Structure of EMI,  Home  Insurance against natural calamity and unforeseen situations, Additional Life Cover
  • Reverse Mortgage – For Senior Citizens.  A person can reverse mortgage their property upto 60% of the original amount.  Bank will now pay the  installments of the property and can only seize it when the senior citizens die.
  • Credit Cards  offer good  credit for a  given period of time, and are painful when the person cannot pay the bill on time.  Auto – Debit facility is really helpful.
  • Given a choice,  always  go for Credit Card. Debit card is spending what you already have vs Credit Card is spending what you might not currently have in your account.
  • Cibil Score – Credit Information Bureau of India Limited ( CIBIL) gives  you a credit score.  This score depends on Payment History,  High Credit Utilization,  Credit mix and Multiple Requests.


  • SECTION 8 – Retirement Planning
  •  Use Present Value excel function to calculate the amount that you need today, in order to spend a certain amount of money every month after retirement.
  • This need to be planned accordingly.

SECTION 9 –  Ponzi Schemes and MLM

  • Named after Charles Ponzi, a  fraudster from USA in early 1900s.
  • Typically, how this scheme works is –  Make Investment claims that are too good to be true, and honor them for first few times. Once the traction becomes really good, then flee.
  • Stay away from any claim that is too good to be true.  It most likely isn’t.

Review of the Course – 

In the end, Rachana tells us that she hopes she has given the jerk we all need to kickstart our financial planning.  I agree,  this course made me realize how many areas of my life need immediate review, followed by some serious corrections.  Tax Savings Scheme and Insurance top my list of things to review right now.  Everyone, who gets the financial planning done by better half, and earn but do nothing else for financial planning must see this course and plan things earlier and better.  I like how the course  is structured, and neatly done with short and impactful lectures.  We get all the vocabulary, and one can dig deep into the topic they need, based on what they learn here.

Rating – 10/10

Have a good day and keep rocking!

How to make a habit and keep it

Hello, my dear readers! End of 2019, a miracle has happened. Yes, I managed to workout for 36 days, and I write this post as I finish my day’s workout. Does that qualify me enough to write about this topic?

Let me explain.  There is no better teacher than failure, and there is no better student than the one who is still trying after being in the same class all his life. I am that student, and trying to lose weight is the lecture I’ve kept failing since my teens.

I’ve started workouts and stopped,  started eating right and stopped, stopped watching online content at nights and started again, started sleeping on time and stopped  – only to see the few kilos I’d have lost come back on me with vengeance.

I’ve always been a believer of process, more than the results.  With Charles Duhigg’s book ( The Power of Habit)  proving most of my theory right, I experimented on my self for workouts.  I can confidently say that my new workout habit is decently formed and will stick for many many months to come.

So, how did it happen?  Couple of hard facts, first.

  1.  Its easy to talk, rant or crib without actually working out.
  2. We will never have enough motivation to get up and start working out.
  3. We will always have enough work to do, just enough to skip working out.
  4. Making Assumptions that we are special enough with special enough problems, which is why we can never get the results( without trying, ofcourse!)

This is what I told myself to get rid of these  mental blocks –

  1.  All talk and no action means nothing.  There has to be a plan to achieve a goal.
  2. Habits are the remedy for lack of motivation. Strong habit system has to be built around the goal.
  3.  Its all about the priorities, and how badly we want a thing to get done.
  4.  There is nothing unique about me as an Individual, and all the excuses and roadblocks I keep feeling is what everyone encountered when they started.

Here is the habit system I’ve created for working out –

  1. Find a time when you can ALWAYS make it.  For me, it’s morning 5 AM to 6 AM.
  2. Pick a goal.  For me, it was doing ShoulderStand for 15 minutes & working out for 30 DAYS without fail.
  3. Have a tracking.  I had the days written out and pasted, and every single day I worked out or not –  it got recorded there.
  4. Be Patient.  When I get up at 4ish to get ready for yoga,  every day my body feels different. Now, its very intuitive for me on what foods have what kinds of effect on my body. But, still – work with what you got.
  5. Push yourself.  My head told me 1000 different reasons why I should not be up so early, why can’t I workout after family leaves to work and schools, and don’t I deserve more sleep?!  The blackmail has no end. I just ignore everything and blankly go on the mat to start my warmup. It works, IT ALWAYS WORKS.  Just push yourself to finish the day. Every single day you finish, the voice gets feebler and feebler.
  6. Take it easy. Exactly the opposite of Point 5,  there will still be days where you really won’t or can’t do the workout.  Just don’t worry – pretend that day didnt happen.  Next day, get on with the habit, making sure you dont skip for more than  2 days in a row. Cos – the voices start to get their strength and all the habit you are struggling to create will vanish into thin air.
  7. Don’t chase the results, chase the process.  Build habits to make the process happen and keep doing.

As  I finish my 36th day of workout – this  is the best thing that has happened to me in 2019. Finally understanding that it all comes down to this –


Results will come. They have to, may be slowly. But, they sure will come.

If you’ve survived till here –  Merry Christmas & a Very Happy New Year! 😀 😀

Have a good day and keep rocking!!


Basics of Stock Market For Beginners Lectures By CA Rachana Phadke Ranade ( Notes)

  • Myths about Stock Market –
    • Investments in Stock Market are very risky.
    • You need to have very strong knowledge about Finance
  • Fixed  Deposit(FD) earns you  Interest
    • Interest is Fixed
    • Taxable
    • Obligated to give Interest
  • Dividend
    • Return on Investment in Shares
    • Tax free, to a limit.
    • Company’s decision whether to declare dividend or not
  • LTCG
    • Long Term Capital Gains
    • If a Person holds shares  for more than an year and earns profit
    • Tax free, to a limit.
  • Face Value vs Market Value
    • Market Value is the market share rate as of today on the exchanges
    • Face Value is the original price at which Promoters of the company brought the stock
    • Promoter is a person or a group  of persons who  will  start the company
  • Stock Split
    • Face value of the Share is Split
    • Number of Shares will increase proportionately
    • Share Price will decrease proportionately
    • Example
      • Original FV –  2 Rs
      • Revised FV =  1 Rs
      • No. of Shares = 50,000
      • Revised Shares = 1,00,000
      • Value =  1,00,000 ( Intact : Face value X  No. of Shares)
      • Original Market Price = 5000
      • Revised Market Price = 2500
  • Who decides Share Prices?
    • Market Forces
  • Bonus/ Split / Rights  – Key Dates
    • Bonus Shares –  Free Shares issued by the company to the Investors.
    • Face Value remains intact,  no. of shares change and the total value remains intact. Market value changes, so more people can now buy shares.
    • cum ( cumulative) – dividend :  before issue of dividend
    • ex(   ) – dividend : after issue of dividend
    • Announcement Date : Date on which company announces bonus / split / rights
    • Record Date : Date on which you must have shares in your DeMat Account to enjoy bonus date
    • cum-basis : When a security is traded in cum price, it means that it incorporates the benefit of corporate action in its price
    • ex-basis :  When the security is traded in ex price, it means that the buyer has no longer the benefit of corporate action
    • Ex-Bonus Date : Date on which Shares start trading at the revised price, and no shares purchased after this date will be eligible for upcoming bonus
    • Price Adjustment :  Price adjustment done by stock market to traded price on the last day on which a security is traded  on cum basis in the market, after the close of trading hours.
  •  Key Terminology from website
    • LTP :  Latest/ Last  Traded Price
    • Demand and Supply for a stock will determine the stock price on BSE/ NSE. So, it may happen that the same stock is trading at different price on different exchange.
    • Stock Market Timings are 9:15 am to 3.30 pm.
    • 9:00 am to 9:15 am :  Pre-Opening Market Session
      • To absorb the volatility which arises, if markets open at 9:15 am directly
      • 9:00 am to 9:07 am :   Placing buy/ sell orders
      • 9:08am to  9:11 am  : Order Matching
    • 9:15 am to 3:30 pm : Market Session
    • 3:30 pm to 4:00 pm :  Brokers Session
    • 4.00 pm to  9:00 am next day : After market hours session
    • Gap Up Opening : If the share price opens at a price higher than the closing price of previous day
    • Gap Down Opening : If the share price opens at a price lower than the  closing price of previous  day.
    • Unch :  Unchanged,  markets  opening at the exact same price as closing price of the previous day.
    • The market value at which  a stock opens, is dictated by the trading orders placed during After Market hours.
  • Corporate Actions
    • Bonus
    • Stock Split
    • Rights
    • AGM/ EGM
    • Board Meetings
  • How can a person start investing? You need –
    • DeMAT account : Account to store the dematerialized shares
    • Trading Account : Account to buy/ sell the dematerialized shares
    • Savings Account : Account that holds the money
    • 3 in 1 account is common, offered by Banks with Securities arm
    • PAN Card, Address Proof,  Duly Signed and Cancelled Personalized  Cheque & a Passport Size Photo
  • Types of Securities Market –
    • Primary Market :
      • A Share getting listed on Share Market.  A Private Limited Company can have maximum of 200 shareholders.
      • Investors pay allotment money and Issuer Company issues the shares.  The company lists on stock market 3 days after the shares issue.
      • Transaction is directly between Issuer Company and the Investor.
      • Also known as Issue Market
    • Secondary Market
      • Also known as Securities or Stock Market
      • Transaction is between two Investors
      • BSE –  Bombay Stock Exchange
      • NSE  – National Stock Exchange
      • Both are  located  in Mumbai,  Maharashtra
      • Secondary Market –  Participants and Terminology
        • Stock Exchange – Provide a platform for investors to buy and sell securities from each other
          • Three National level Stock Exchanges in India –
            • BSE ( Bombay Stock Exchange )
            • NSE ( National Stock Exchange)
            • MSEI (MCX-SX) Multi Commodity Exchange
            •  Members
              • Stock Brokers :  Investors can trade in the Secondary Market only through the Members of the Stock market
              • Investors
                • RII : Retail Individual Investors ( ppl like you and me ). Investor applying for <= 2 Lakh rupees in IPO,  you come in RII Category.
                • HNI : High Networth Individual.  Investor applying in IPO for >2 lakh rupees, you come in HNI Category.
                • DII :  Domestic  Institutional Investor.  Indian companies. e.g. Banks, Insurance Companies, Mutual Fund Companies
                • FII / FPI : Foreign Institutional Investor / Foreign Portfolio Investor
              • Issuers : Company that issues shares, for a pre-determined  amount
              • Secondary Markets have three distinct phases : Trading, Clearing and Settlement.
              • Stock exchanges  in India feature an electronic-order matching system that facilitates efficient and speedy execution of shares
              • All stock exchanges in India follow a common settlement system. If Trading takes place on day T, Settlement happens on two business days after the trading day
              • All the trading done by the investors with the Stock brokers happens via the clearing house owned by that particular stock exchange.
              • NSCCL –  National Securities Clearing Corporation Limited. clearing house for NSE
              • ICCL –  Indian Clearing Corporation Limited – Clearing house for BSE
              • Metropolitan Clear –  Clearing house of  MSE
              • Depository and Depository Participant( DP)
                • For Securities to be traded in Secondary market, it is mandatory for the securities to be available in electronic or dematerialized form
                • NSDL ( National Security Depository Limited)  and CDSL( Central Depository Service Limited) are the two key depositories in India
                • Main Function is to convert Physical Shares to Dematerialized shares
                • Physical Shares -> Stock broker -> Company -> Depository -> Convert to e-format- > Return to company -> Return to stock broker -> Return to individual investor
                • Depository Participant is nothing but a Stock broker.
                • Depository maintains the  e-register of the entire register of members and provides to company as and when requested.
                • Volume – Number of shares which are traded on a specific day
  • Contract  Note
    • Within 24 hours,  Broker has  to dispatch a note stating the buy/sell activity to the Investor
    • Settlement date =   Trade Date (T) + 2 working days
    • Buyer gets shares and Seller gets  money only on Settlement date.
  • Trading Systems
    • Open Outcry – Traders gathering physically and shout/ bid and offer  prices
    • Online Trading – Traders will use electronic systems for trading. Done at BSE, NSE and MSEI
  • Order Types
    • Buy –  Buy shares
      • Limit Order :  Limit the order at a given price. eg. 2040  for a price with last traded price of 2053.  Investor bargains and does not offer to buy / sell at current market price
      • Market Price Order :  Order  where buyer/seller is ready to execute their trade at the current market price( without bargaining)
      • Stop Loss Order : Order placed by a buyer/seller at a price lower than his buying price / higher than his current selling price. The biggest advantage is that, losses will be limited.
      • After Market Order :  This is an order that is placed after 4 pm and before 9 am the next day.
      • IOC :  This is an order where the trader wants to immediately execute his buy/sell order. If it is not executed immediately, it gets  cancelled.
      • GTD : Good Till Day.  The order gets auto cancelled if it is not executed by the end of the business day.
      • GTC :  Good Till Cancelled.  These type of orders arent preferred by Brokers, it works exactly in reverse to GTD
      • An order can be edited or modified until order matching is done by the stock exchange.
  • Books Maintained by Broker
    • Order Book
    • Trade Book
  • Market Phrases
    • Bull Phase :  Upward Trends in the market.  Indicated in GREEN.
    • Bear Phase :  Downward Trends in the market. Indicated in RED.
    • Long on the market :  Bullish about the market
    • Short on the market :  Bearish about the market
    • Short-Sell :  Sell first, and buy later.
    • Intra-day Trading : Buy and Sell on the same day.
    • IEPF :  Investor Education Protection Fund
  • Short Sell Concept
    • Trade where Trader sells first and buys later
    • Preferred by Traders if they are bearish about the market
    • Share Auction : If a person does a short sell and does not square off his position by end of the day,  then his shares are auctioned.  Brokers participate in the Auction market on behalf of their client, in post market hours.  Any loss will borne by the Investor, but any profit will be transferred to IEPF.


4 Amazing Places to Visit in Mysore

In our 4 Trips to Mysore,  we have visited new places every single time.  Here are the hidden gems, to try in next visit –

  1. Mysore Sand Sculpture Museum – Done by a single artist, it is a piece of work.  It takes 30 – 45 minutes,  the detailing is pretty amazing.  Visit here.
  2. Planet Earth Aquarium –  This is a full day trip,  farm house concept. It has aquarium, play area, adventure activities and a farm full of veggies.  Kids will absolutely love it. Visit here.
  3. SukhaVana – One of the largest aviatory,  this one is house for a wide variety of birds. There is bonsai garden within the  compound as well, and it will need 4-5 hours for a full trip. Visit here.
  4. SeaShell Museum –  Created by a single artist again, it houses a ganesha which entered Guiness Book of World Records. Again, it takes 30-45 minutes, marvel at the time she spent at creating each artefact. Visit here.

Have a good day and keep rocking!!