I return to my blogspot after 2 years. I have started resorting to blogging only to share the deepest or most overwhelming experiences of my life these days, the last one being Bhargav's accident. This time around, it is the loss of a dear one. I still refuse to believe the person is not around anymore. RC.. a larger than life person, my dearest peripa. My memories of RC date back to early 90s when I was a kid, probably in class 2 or 3. In those days of truly middle class living, denied of favorite toys, discouraged to eat out, deprived of silver screen, my brother and I and the other cousins would eagerly wait for holidays to either gather in chromepet, which used to be the hub for cousins, or wait for RCs family to visit us. RC almost became synonymous to fun, for all of us. There is nothing he denied us kids in those days. Despite his hectic schedule as a marketing professional in IOC, he made sure he made the time to compulsorily take us to the beach, any 4/5 star hotel for dinner, night shows, theme parks or the best of whatever any town we were in could offer - from Rock Fort- Palimar - Thillai Nagar restaurantsin Trichy to Lalbagh-Mysore in Bangalore to Jalakandeshwarar - my first Ford Ikon drive Vellore to Bangalore - and the list goes on. There is a fine line between spending money and sharing happiness, and RC clearly believed in the latter. As I grew older, I also grew fonder of him, fonder to him. He considered me as another daughter, and he was quite vocal about it too. After we moved to Calcutta, we met less often. My fondest memory is my Badri Kedar trip with him, and Subhas wedding, which remains one of my best wedding moments ever where all the cousins gathered in Chromepet, Peripa in his best health and office tenure, Chromepet house just renovated. Peripa got Varsha to home deliver all his latest collections for us to choose from.. he truly made me feel so special, like a princess. He always believed in the best, quickest, most convenient, most pleasurable solution for himself and the people around him. It was only after his VRS, that I first saw him think twice before spending. In 2002 we moved back to Chennai for my college. RC helped us find a house in Kodambakkam, roam around the college streets of Chennai helping me find an admission. I can never forget the 2 days in the summer of May 2002 when I was all alone in Chennai trying to get a TC for college admissions running from pole to post around Madras University .. he didn't have the money or influence to get around things way past his VRS, but what never changed was his heart to help, to share, to go the extra mile in caring for me when he accompanied me despite the sweltering heat and his ill health. Was I so special to him? I would love to think so, but I guess such was his nature, that he would have done anything for anyone who came to him asking for help. And trust me, that is not normal character for a tambram upbringing in a lower middle class family. I have come a long way since then. When I started earning in 2008, i booked an Alto on the second day of joining work when I didn't even know how to drive a car in Chennai. RC came to take delivery of the car, and my first drive in Chennai was with him, and I can never forget how proud he felt about my driving skills as i took him around Chennai along the narrow lanes of Madipakkam to Velachery to Chromepet. It has been no looking back since then. God has been kind to me in giving me all the health and wealth i needed to live life to my fullest, and I promise to RC, to continue living my life this way. We shared so many attributes, starting from resemblance to character, in the way we looked at life, in the way we wanted to enjoy every moment, in our erratic way of walking, talking, short temper, experimental nature, love for shopping, love for eating and trying out new restaurants, love for movies, love for documentaries, love for each other beyond words. I cant recall the number of occasions when I'd book a night show in Udayam/Satyam/AVM (Palazzo, inox hadn't come back then), and he'd take a bus all the way from Chromepet just for the fun of watching a movie together. Those were truly my best days with RC- 2008-2010. He was not pious or a firm believer in rituals/God etc. But his love for Anjaneya was so genuine, in the way he would connect with Him straight from his heart, in the way he would visit Namakkal, Luz, Nanganallur without fail, in the way he would narrate his childhood episodes of preparing only 4 topics for an exam and praying to Him that only those 4 would be asked in the question paper.... a love so genuine, I realized only in the end, after he was gone. I moved to Bangalore in 2010 and thanks to Uma being in Bangalore, I still got to meet him quite often, but for very brief visits over lunch at her place. I remember him fondly calling Bhargav G as Bhargavji. He called me for all his phone, Uber, insurance, email, internet, credit card, banking doubts... At times I used to feel a little frustrated, but now i realise the liberty he took in approaching me for any of his problems showed how much he considered me as his own. After moving back to Chennai in 2014, I was either too starved of time or too lazy, that i never found enough time or motivation to make a visit regularly to that side of town. I am sure he was slightly upset that I never took Giri for a proper lunch to his house. All our meetings in Chennai were more a part of a larger wedding or gathering. Time flew and he started developing health issues. We always knew he had cardiac problems, and Uma moving to Porur was a boon for him to regularly get his stent fixed, checked. He was an extremely careful person when it came to health, fitness, diet, discipline. As much as he enjoyed his youth over fun, food and drinks, he focused on morning walks, his trademark RC More (health buttermilk), tablets and check ups in later days. It was not before September/Oct 2017 that i remember him really complain of ill health which impeded normal lifestyle. Things turned worse too soon for him when he complained of wheezing issues, digestive issues. Even then the energy within him drove him to consult multiple best doctors, multiple opinions and reassure his cardiac health. It was only by November that his Liver turned out to be the culprit all along, the silent monster. Even then I never took it seriously for oldage had to dawn someday. It was only at Bhagyam athai's husbands funeral that I saw an RC I could never forget. A face so shrunk, a belly so bulged and swollen, a speech so unclear, and a willpower and courage so lost and gone. He seemed to have lost the battle already. It was then that it really struck me that he was not the RC i have known all these years... and will never probably return to his original self again. It was only followed by multiple tests, scans, opinions all contradictory, but none with a better prognosis. I knew it was a matter of a few months. I remember a phone call when I asked him to be happy, confident, and try to enjoy the days. I asked him to come back and that I'd take him to movies again. I almost choked as I spoke, but in his unclear voice and tone, I could feel him trying to smile, feeling happy that i called.... On Dec 18, he was supposed to get discharged after the first round of fluid removal. He never came back from the hospital. I rushed to the hospital to see the nurses trying to stack cotton buds down his throat and nose. I could not draw myself together that moment to see him lay like that on the bed, not moving, not complaining, not calling my name, his belly still swollen. Before getting admitted he wanted me to buy him a couple of shorts from Gr8 buys. Thankfully i had an intuition that i shouldn't delay and immediately got him his shorts, and he was wearing it when he was in the hospital. that is what he took along when he moved from this world to the brighter world, the only material testimony of my subtle bonding with him. I felt immensely guilty of postponing my hospital visits thinking he would definitely return home where i could see him at leisure. In hindsight, I wish i had spoken one last time. I don't know how much I will miss his voice, him addressing me as sowmi.. sowmyaji.. I will remember every moment of the last rites, the cremation, people taking him away in a van .. but what i will remember most are the moments i saw him in the hospital, when he was just declared dead. Those few moments when he didn't look like he was gone. I was not scared to touch his cheeks, his face, his legs, trying and hoping earnestly that from somewhere life would creep in and his eyes would open again. Not wishing he lived longer to go through the pain that cancer would have inflicted on him, but just wishing he spoke to me one last time and then passed away. No other death has affected me so much in all my life so far. I know this is the first of more to come. My first experience of loss, the loss of a very dear one, a friend, an inspiration, a father... for all the love that he showed to Anjaneya, he embraced you on his birthday, HanumatJayanthi 18 Dec 2017, to relieve you of all pain, hardship, trouble, amidst the presence of all your near and dear ones, your beloved brothers, your kids, your friends. For all the goodness and love that you showered during your time on earth, am sure you are booked in a premium luxury suite up there, with access to the best food and wines on the planet, in the lap of your beloved valambal. You will be missed RC.
Wednesday, 20 December 2017
Missing RC
I return to my blogspot after 2 years. I have started resorting to blogging only to share the deepest or most overwhelming experiences of my life these days, the last one being Bhargav's accident. This time around, it is the loss of a dear one. I still refuse to believe the person is not around anymore. RC.. a larger than life person, my dearest peripa. My memories of RC date back to early 90s when I was a kid, probably in class 2 or 3. In those days of truly middle class living, denied of favorite toys, discouraged to eat out, deprived of silver screen, my brother and I and the other cousins would eagerly wait for holidays to either gather in chromepet, which used to be the hub for cousins, or wait for RCs family to visit us. RC almost became synonymous to fun, for all of us. There is nothing he denied us kids in those days. Despite his hectic schedule as a marketing professional in IOC, he made sure he made the time to compulsorily take us to the beach, any 4/5 star hotel for dinner, night shows, theme parks or the best of whatever any town we were in could offer - from Rock Fort- Palimar - Thillai Nagar restaurantsin Trichy to Lalbagh-Mysore in Bangalore to Jalakandeshwarar - my first Ford Ikon drive Vellore to Bangalore - and the list goes on. There is a fine line between spending money and sharing happiness, and RC clearly believed in the latter. As I grew older, I also grew fonder of him, fonder to him. He considered me as another daughter, and he was quite vocal about it too. After we moved to Calcutta, we met less often. My fondest memory is my Badri Kedar trip with him, and Subhas wedding, which remains one of my best wedding moments ever where all the cousins gathered in Chromepet, Peripa in his best health and office tenure, Chromepet house just renovated. Peripa got Varsha to home deliver all his latest collections for us to choose from.. he truly made me feel so special, like a princess. He always believed in the best, quickest, most convenient, most pleasurable solution for himself and the people around him. It was only after his VRS, that I first saw him think twice before spending. In 2002 we moved back to Chennai for my college. RC helped us find a house in Kodambakkam, roam around the college streets of Chennai helping me find an admission. I can never forget the 2 days in the summer of May 2002 when I was all alone in Chennai trying to get a TC for college admissions running from pole to post around Madras University .. he didn't have the money or influence to get around things way past his VRS, but what never changed was his heart to help, to share, to go the extra mile in caring for me when he accompanied me despite the sweltering heat and his ill health. Was I so special to him? I would love to think so, but I guess such was his nature, that he would have done anything for anyone who came to him asking for help. And trust me, that is not normal character for a tambram upbringing in a lower middle class family. I have come a long way since then. When I started earning in 2008, i booked an Alto on the second day of joining work when I didn't even know how to drive a car in Chennai. RC came to take delivery of the car, and my first drive in Chennai was with him, and I can never forget how proud he felt about my driving skills as i took him around Chennai along the narrow lanes of Madipakkam to Velachery to Chromepet. It has been no looking back since then. God has been kind to me in giving me all the health and wealth i needed to live life to my fullest, and I promise to RC, to continue living my life this way. We shared so many attributes, starting from resemblance to character, in the way we looked at life, in the way we wanted to enjoy every moment, in our erratic way of walking, talking, short temper, experimental nature, love for shopping, love for eating and trying out new restaurants, love for movies, love for documentaries, love for each other beyond words. I cant recall the number of occasions when I'd book a night show in Udayam/Satyam/AVM (Palazzo, inox hadn't come back then), and he'd take a bus all the way from Chromepet just for the fun of watching a movie together. Those were truly my best days with RC- 2008-2010. He was not pious or a firm believer in rituals/God etc. But his love for Anjaneya was so genuine, in the way he would connect with Him straight from his heart, in the way he would visit Namakkal, Luz, Nanganallur without fail, in the way he would narrate his childhood episodes of preparing only 4 topics for an exam and praying to Him that only those 4 would be asked in the question paper.... a love so genuine, I realized only in the end, after he was gone. I moved to Bangalore in 2010 and thanks to Uma being in Bangalore, I still got to meet him quite often, but for very brief visits over lunch at her place. I remember him fondly calling Bhargav G as Bhargavji. He called me for all his phone, Uber, insurance, email, internet, credit card, banking doubts... At times I used to feel a little frustrated, but now i realise the liberty he took in approaching me for any of his problems showed how much he considered me as his own. After moving back to Chennai in 2014, I was either too starved of time or too lazy, that i never found enough time or motivation to make a visit regularly to that side of town. I am sure he was slightly upset that I never took Giri for a proper lunch to his house. All our meetings in Chennai were more a part of a larger wedding or gathering. Time flew and he started developing health issues. We always knew he had cardiac problems, and Uma moving to Porur was a boon for him to regularly get his stent fixed, checked. He was an extremely careful person when it came to health, fitness, diet, discipline. As much as he enjoyed his youth over fun, food and drinks, he focused on morning walks, his trademark RC More (health buttermilk), tablets and check ups in later days. It was not before September/Oct 2017 that i remember him really complain of ill health which impeded normal lifestyle. Things turned worse too soon for him when he complained of wheezing issues, digestive issues. Even then the energy within him drove him to consult multiple best doctors, multiple opinions and reassure his cardiac health. It was only by November that his Liver turned out to be the culprit all along, the silent monster. Even then I never took it seriously for oldage had to dawn someday. It was only at Bhagyam athai's husbands funeral that I saw an RC I could never forget. A face so shrunk, a belly so bulged and swollen, a speech so unclear, and a willpower and courage so lost and gone. He seemed to have lost the battle already. It was then that it really struck me that he was not the RC i have known all these years... and will never probably return to his original self again. It was only followed by multiple tests, scans, opinions all contradictory, but none with a better prognosis. I knew it was a matter of a few months. I remember a phone call when I asked him to be happy, confident, and try to enjoy the days. I asked him to come back and that I'd take him to movies again. I almost choked as I spoke, but in his unclear voice and tone, I could feel him trying to smile, feeling happy that i called.... On Dec 18, he was supposed to get discharged after the first round of fluid removal. He never came back from the hospital. I rushed to the hospital to see the nurses trying to stack cotton buds down his throat and nose. I could not draw myself together that moment to see him lay like that on the bed, not moving, not complaining, not calling my name, his belly still swollen. Before getting admitted he wanted me to buy him a couple of shorts from Gr8 buys. Thankfully i had an intuition that i shouldn't delay and immediately got him his shorts, and he was wearing it when he was in the hospital. that is what he took along when he moved from this world to the brighter world, the only material testimony of my subtle bonding with him. I felt immensely guilty of postponing my hospital visits thinking he would definitely return home where i could see him at leisure. In hindsight, I wish i had spoken one last time. I don't know how much I will miss his voice, him addressing me as sowmi.. sowmyaji.. I will remember every moment of the last rites, the cremation, people taking him away in a van .. but what i will remember most are the moments i saw him in the hospital, when he was just declared dead. Those few moments when he didn't look like he was gone. I was not scared to touch his cheeks, his face, his legs, trying and hoping earnestly that from somewhere life would creep in and his eyes would open again. Not wishing he lived longer to go through the pain that cancer would have inflicted on him, but just wishing he spoke to me one last time and then passed away. No other death has affected me so much in all my life so far. I know this is the first of more to come. My first experience of loss, the loss of a very dear one, a friend, an inspiration, a father... for all the love that he showed to Anjaneya, he embraced you on his birthday, HanumatJayanthi 18 Dec 2017, to relieve you of all pain, hardship, trouble, amidst the presence of all your near and dear ones, your beloved brothers, your kids, your friends. For all the goodness and love that you showered during your time on earth, am sure you are booked in a premium luxury suite up there, with access to the best food and wines on the planet, in the lap of your beloved valambal. You will be missed RC.
Wednesday, 12 August 2015
God's grace
It was another usual day back from work, a tad early at about 530pm and I picked up Bhargav from mom's place and decided to head straight to AT nagar house. Earlier in the day Bhargav's pigeons's eggs had hatched and he was on cloud 9 continuously monitoring the chicks.
It has been nagging me for a while whether i should continue working, or find some alternate career which gives more satisfaction of having done something more meaningful for my family and the society. I have been a cold hearted mom since bhargav was born and chose to put everything ahead of him as priority. I dont know what gave me the confidence that he will grow up naturally, carelessly carefully, and God will take care of him in the form of parents support etc etc.And under this excuse I continued to pay heed to duty calls restricting time spent with him to the regular chores of brushing, dressing up for school and putting him to bed - even these i had to let go on days i traveled on work. It had occurred to me several times in the past that till i put a full stop or be made to forcefully, i would let myself ride with the flow. It has also occurred to me that by the time i realise i hadnt spend enough time, he'd probably be too old to want to spend time with me. I selfishly blamed the generation, trends of working parents in urban cities and took solace in the fact that i was not the only mother in this boat. I have also prayed to God once or twice to not put me in such a situation that i ever regret my choices in the past... and since nothing of that sort happened, i was wishfully thinking God had answered my prayers and wanted me to continue the way i am.
Coming back to 530 pm, I was on my way home when i thought i'd brainstorm some business ideas with Niru since both of us have been dwelling over this thought for a long time that we could do something on our own to get us that 20-30k per month while also not having to compromise on personal priorities. We were never greedy of what we wanted. This thought was very strong this whole week and I was keen to brainstorm with niru and decided to call her to check if she was free in the evening. When i was almost a turn away from my house, the previous turn was her house and decided to drop by for a quick hi. I had strict instructions from mom to get home straight and feed him as he hadnt had lunch. As i had mentioned, i had always put his priorities in the backseat and decided to continue with my 'hi' plans, more so because bhargav loved dittu's company. While (like the n million times i had done it in the past) I was honking outside her gate, there was a cheerful dittu and niru walking to the car and happily opening the door. It didnt occur to me that Bhargav had also sneaked out of the car. My 200% trust on God, fate, overconfidence never let me check if he was safely getting into the house or still on the road. I continued to pick Giri's call on the mobile, and happily chatted away to glory when i heard a sudden screech of brakes, almost like the bursting of a transformer. I had no clue what had happened, and i looked out of the car when i saw an ambassador halt awkwardly with Niru in shock, Dittu crying and onlookers shouting.. it had still not occured to me to check where Bhargav was and i looked at Niru's face when she pointed at the kid lying on the road almost under the car..with his face down and motionless. I would never want to recollect those moments after i finish penning down this blog. But thank God for the strength he gave me during those moments that i quickly ran to him and checked if he was "intact". And to my relief he was crying.. I turned him over and saw his other side of face soaked in red. But he was still crying, which meant he was in his senses.. which meant the car didnt run over him...... I picked him up in my arms and ran in the road and sat in the ambassador and it again occured to me that i had my car and Niru could drive. So i jumped out of the ambassador and yelled at Niru to drive me to a hospital. While i held him close to me, continuously talking to him, cajoling him and checking if he was conscious, Niru drove like a maniac, honking her way through Arcot road to reach Rakshit Hospital. I rushed him to the emergency and the pediatrician was there who comforted saying the kid wouldnt be crying if it was anything major. In the next two hours that followed, several tests were taken, CT scans, X rays, internal scans, and when one by one turned favorable, I felt like that was the best blessing i had ever received in my life. I consciously chose not to alarm Giri who had to bike 20kms from work, or either of the parents. Bhargav continued to cry in pain, but for the first time i kept feeling more and more reassured as he cried more and more. Finally he was sedated and we waited for senior surgeon to patch up the wounds. To all our surprise, the little baby was conscious and almost walked out of the theater by himself and came and told me that he'd never again run away in the road, and immediately slipped into drowsiness.

While it is not true to absurdly connect working moms and such incidents, what dawned on me was my lethargic attitude when it came to devoting dedicated time for him apart from work. It didnt have to dawn on me in this fashion, or probably God intended it to be this way, for me to get the point. He probably tried several ways that i didnt even realise, and they all failed. How much i wanted him back that moment when i saw him still on the road, I cant convey in words. It was not just a lesson to realise the worth of a child.. it was also a lesson where the car could have been mine and kid, someone else's for the amount of phone distractions i entertain while driving. Nothing in this world can be taken for granted. Fate will not always be favorable. It will only be till you get the point and realise the mistake or vow not to repeat. If we choose to happily ignore it on the grounds of luck or fate, God will have to resort to dirty nasty ways to put the point across.
The driver of the ambassador had looked for us in all the major hospitals in and around the area and finally located us. He was in a state of shock and apologised for no mistake of his. Imagine the guilt i would have loaded him with for the rest of his life, if it were not the way it turned out.
I hope i dont end up becoming a scared and paranoid mother for the rest of my life and let Bhargav life his life. But am sure it will take me many days or months to get over the sight of him lying flat on the ground.. those few seconds till i turned to see him alive.. those few seconds till i realised he was not run over.. those few seconds till eternity.
I am eternally thankful to God, my parents, my family and friends for all their deeds, wishes and mercy. I hope the next blog of mine is a happy and cheerful one.
Friday, 18 April 2014
So close, yet so far - with Indiahikes @ Kedarkantha peak
Thursday, 30 December 2010
Magical moments
Wednesday, 20 October 2010
Memories
9841549617.. you will fondly be remembered...all the random messages, conversations, contacts built, interview calls attended, bulk sms's sent, credit card calls, night long chats with friends, fights/making ups, lost and found, ... and so on and so forth. 2003 - 2010. Amen!!!
My office outlook express (referred to as OE hereafter) is nowhere close to my mobile number, in terms of the attachment quotient, but it definitely is the second best non-human aspect of my life to have affected me the most during its departure. The last 30 months were predominantly centered around this tool. My day would begin with the OE loading itself and showering surprises and exclamations and frustrations by filling my inbox with mails from friends, bosses, and clients (respectively :P). I press the send/receive button atleast a million times in a day and Deepti willl vouch for the same. It gives me undescribable pleasure in seeing the sending/receive bar inch towards 100% thereby filling my inbos with new mails or leaving me disappointed with no new updates. Either which ways, I religiously press the F9 button before, after and during a particular task , or once in every 2 mins, whichever is of lesser duration. As my association with Irevna grew thicker more than 50% of the time spent was on either checking or replying to mails. And for every new acquiantance made, the friends list would grow exponentially thereby resulting in innumerable chains of mails and forwards. Beginning from credit card payment alerts, to training reminders, to work reminders, to birthday reminders, my OE calendar played the role of a non-human secretary. It didnt wake me up in the morning because my company didnt have the policy of granting web access and I dont think I oculd wake up to mail reminders. I would laboriously archive each and every mail sent, thinking sometime in future, I could read them and smile in hindsight. When the time came for me to bid farewell, and as I deleted every folder in my inbox, I could feel my heart sink. The worst feeling was when I was allotted a new system in my new company with a blank OE, I could not bear to see an empty inbox, nor could I digest the fact that as I typed a few alphabets in the To tab, no addresses popped out.. For a moment, I felt as if I lost not only the OE, but all my friends in it, all the contacts in it.. and everything attached to all of it.It felt like starting a life all over again. I still mail the old gang from my new mail ID, but it is never the same and will never be the same again.
sowmyar@irevna.com April 2008 - September 2010: great memories to cherish, innumerable mails, letters, reminders, chats, party planners, attachments, F9's, recalls.. and so on and so forth..
A lot of these tools in our lives become so inseparable from our system, that only when they depart, do we actually realize that they were no less human than the ones around us.
Life is beautiful.
Friday, 16 April 2010
GOL
Wednesday, 3 February 2010
Saturday, 10 October 2009
Blame it on momentum!
Often I go to a store merely to explore the new collections and end up coming out with a huge cart –more often than not, the shop would have had nothing new to offer. There have been instances when I went to a departmental store to buy wheat flour, but came back home with a roti maker, with or without the flour. I googled to check whether I was a “shopaholic” or if there was a deeper reason behind this urge. Apparently Yale scientists describe this as “shopping momentum”, which occurs when an initial purchase provides a psychological impulse that drives the purchase of a second, unrelated product. Eminent psychologist Gollwitzer defines two important mindsets--deliberative and implemental. A deliberative mindset weighs the pros and cons of pursuing a specific action, whereas an implementation mindset focuses on the timing and sequencing of goal-oriented actions. In a purchase context, “shopping momentum” can be viewed as a switch to “implementation” that is propelled by the first purchase which is deliberative. A few examples in our shopping behavior to cite the relevance of this theory are:
We invariably end up visiting a store which has a better window display, or a display containing items that interest us. This acts as a deliberative trigger forcing us to consider the purchase of the same, if the cost fairly matches the value. In the process, we also look for other items the store has to offer and end up buying more than what was initially thought; this explains the implementation mindset.
In the purchase of high value goods (e.g., car), it is the initial analysis that acts as the “deliberation”. We conduct a detailed study of the pros and cons of various models. But once the decision is made, we do not spend as much time to finalize the accessories – alloys, music system, interiors, etc., which also come at a high price.
When gifted with a Landmark or a Lifestyle voucher for Rs.500 or Rs.1000, the initial barrier is already broken, as this came at no cost to us. How many of us would restrict our bill to the said amount? One would directly assume the implemental mindset and splurge into a purchase worth much more than the face value of this voucher. Had the gift voucher not landed out of the blue, the need for that article would have never arisen in the first place.
Shopping momentum arises from the idea that shopping has an inertial quality, that there is a mental hurdle in the shift from browsing to shopping, which once crossed makes further purchases more likely. The rate with which this hurdle is broken accelerates when there is a free product offered with a purchase of one extra item. With a couple of shirts, you get a trouser free; with a camera, you get a memory stick and pouch free; with 2 best-selling books, you get a subscription to a best-selling magazine free; and the worst of it all, a garlic bread combo with 2 pizzas. One may just end up buying two shirts even if one needed only one, or buying a camera even if all one needed was just a pouch or devouring a cheesy meal even if one’s stomach could have accommodated just a few nibbles. Neither the wealth nor the health is spared. Those bitten by guilt discern the ‘necessary’ from the baits. The rest blame it on shopping momentum.
Go green
An offshoot from the previous piece: How many of us have felt we were better-off with a lower pay in the past than what we currently earn? The discussions that my colleagues indulge in--and which inadvertently fall into my ears--assure me that I am not the only one to think that way. Is it an insatiable human need to find an expenditure channel for every new source of income, where with every additional penny earned, the penny lost is exponentially larger? The credit cards associated with the level of income justify the equation, or ‘inequation’ thereof.
Some behavioral concepts to explain the proliferation of credit spending are as follows:
1. Decoupling: A possible reason behind the use of cards is decoupling, which means separating payment from consumption. Human beings are possessive about their belongings and any other self-earned goods (for instance, cash). And when one pays cash, the immediate sense of parting is being felt and the brain starts to evaluate if the deal gives as much pleasure in return for the sacrifice made. Plastic is totally devoid of this aspect, and swiping it ruthlessly at stores registers nothing emotionally except for the piling debt that the hard-earned paper has to make up for at a later date, in most cases, with interest. Moreover, with credit cards the connection between specific purchases and specific payments gets obscured, resulting in further decoupling of payment from purchase.
2. Irrational spending: An expense seems far bigger when it’s looked at separately, but appears smaller when it is part of a much larger payment, so when an expense of Rs.500 is added to a credit card bill of Rs.5000, it looks smaller than how it would seem on its own. Grouping transactions in credit card bills, therefore, reduces the perceived size of individual expenditures, resulting in increased spending. Rational behavior would never attribute different values for the same 500 rupee note.
3. Retrospective evaluation: It refers to how much the past memory of spending affects future purchases. A deep hole in the pocket caused by past purchases tends to caution us the next time we enter a store or stand in the bill counter, making us to rethink. Credit card purchases are mostly forgotten and we never realize the actual cumulated amount outstanding until the statement is received.
Nothing could be worse than people having multiple cards with different billing cycles to facilitate the effective management of finances, or the lack of it. They receive a rude shock when each of the cards delivers the statement at periodic intervals; quite often they strain their grey cells to recollect when, where and how all the money was blown away. Stricken by guilt, sometimes I decide to leave three of the four cards at home and carry just one, in case an emergency should crop up. It is quite astounding to see how the power of credit beats human logic and rationale.
Various other spending patterns are explained by “mental accounting”, a term coined by Richard Thaler, Professor of Economics and Behavioral Science at the Graduate School of Business, University of Chicago. It affects how, when and how much we choose to spend and has enormous ramifications in our daily life. It primarily deals with how one chooses to treat money differently depending on the source of money and circumstances. Some examples are:
Extravagant expenditure from a windfall gain like bonus or lottery, while a similar extent of expenditure would have never been a possibility with the monthly paychecks
The tendency to exceed the budgeted limit while using a debit card instead of ready cash, and to further exceed the limit while using credit instead of debit
A parsimonious bargain for a Rs.20 discount in a Rs.100 deal, while casually letting go a few grands in a deal worth a few lacs. The absolute worth of money in both instances is the same.
Of all the lessons learnt from such spending patterns, credit spending is best learnt when the fingers are burnt. To conclude, ‘if’ you have the slightest doubt of giving in to the temptations that lurk around, stay green and say no to plastic. Do not think you are being smart by being card rich, for you fail to realize that you are playing with a multi-billion dollar industry that’ll outsmart you.
Wednesday, 2 September 2009
For a cause
Most of us appreciate and understand the value of charity. The level of selflessness goes to the extent that we preach it to the world but seldom practice it for ourselves. Day in and day out our inbox gets filled with pangs for help to save deprived souls from some clueless, hapless part of the planet. Those who do something about it, take shelter under the roof of pride and justify that small droplets go on to make an ocean. Those who choose to don the pragmatic hat, justify by saying that one small bit would do no good to muster the massive sum required by some anonymous soul whose physical existence cannot be ascertained. For all we know, this could be yet another hoax spamming through the net. In all other real circumstances, why is it that we dither when approached by a genuine need for help? It could probably be explained by the fact that we feel the pinch of the immediate loss of money from our pockets more when we least anticipate it, and for a cause/person least associated with our daily lives. All of a sudden a cloud of total bankruptcy shadows us where we clearly see a very high opportunity cost for the amount that we are asked to part with. There have also been occasions where the decision to step forward and contribute was promptly put on hold by our left brain when the actual moment arrived. For those who have not experienced any of the above when confronted with such a situation, and yet chose to do nothing about it, the only plausible reason could have been indolence. I have undergone all the above stages of supposed rational thinking. You may read further if you see yourself in a similar boat that I sail in. I am not sure how many of us are aware of the Giveindia program. It offers an easy way to ensure we don’t feel the credit crunch associated with charity. An amount specified by us in advance, would get deducted similar to TDS every month. When a substantial sum gets accumulated, we can choose to donate it towards any of the umpteen available causes - in a country like ours which has a plethora to offer we can never run out of attractive options. Apart from the sense of satisfaction derived at the end of the day, it also provides tax benefits, though not quite significant. Visit www.giveindia.org for further details.
Disclaimer: Amounts accumulated against your credit do not earn interest and cannot be withdrawn
Wednesday, 24 June 2009
Thursday, 14 May 2009
2 weeks
Monday, 11 May 2009
the descend
"Desperately, helplessly, longingly, I cried;
Quietly, patiently, lovingly, God replied.
I pled and I wept for a clue to my fate . . .
And the Master so gently said, "Wait."
"Wait? you say wait?" my indignant reply.
"Lord, I need answers, I need to know why!
Is your hand shortened? Or have you not heard?
By faith I have asked, and I'm claiming your Word.
"My future and all to which I relate
Hangs in the balance, and you tell me to wait?
I'm needing a 'yes', a go-ahead sign,
Or even a 'no' to which I can resign.
"You promised, dear Lord, that if we believe,
We need but to ask, and we shall receive.
And Lord I've been asking, and this is my cry:
I'm weary of asking! I need a reply."
Then quietly, softly, I learned of my fate,
As my Master replied again, "Wait."
So I slumped in my chair, defeated and taut,
And grumbled to God, "So, I'm waiting for what?"
He seemed then to kneel, and His eyes met with mine . . .
and He tenderly said, "I could give you a sign.
I could shake the heavens and darken the sun.
I could raise the dead and cause mountains to run.
"I could give all you seek and pleased you would be.
You'd have what you want, but you wouldn't know Me.
You'd not know the depth of my love for each saint.
You'd not know the power that I give to the faint.
"You'd not learn to see through clouds of despair;
You'd not learn to trust just by knowing I'm there.
You'd not know the joy of resting in Me
When darkness and silence are all you can see.
"You'd never experience the fullness of love
When the peace of My spirit Descends like a dove.
You would know that I give, and I save, for a start,
But you'd not know the depth of the beat of My heart.
"The glow of my comfort late into the night,
The faith that I give when you walk without sight.
The depth that's beyond getting just what you ask
From an infinite God who makes what you have last.
"You'd never know, should your pain quickly flee,
What it means that My grace is sufficient for thee.
Yes, your dearest dreams overnight would come true,
But, oh, the loss, if you missed what I'm doing in you.
That the greatest of gifts is to truly know me.
And though oft My answers seem terribly late,
My most precious answer of all is still . . . Wait."
p.s. borrowed text and own thought
Tuesday, 28 April 2009
Faking it, moley
The day is incomplete if I don't register a hit on that site. Maybe the owner is actually a KKR member like he professes, or maybe he is fake, also like he professes, maybe he is like the anonymous entity in one night @ a call center. But for those who chanced to read his posts, his identity is least relevant as long as the posts keep coming. They just wouldn't care less. I do not know what he wanted to achieve by starting something like this, but the timing or content of the posts is so gripping and perfect that he/she/it has won the attention of audience from across the milky way. We learn so much about market segmenting, targeting or positioning (STP.. not STD mind you), but this guy seems to have taught Kotler the lessons precisely. It spread so much like a disease across groups and organizations that in no time half the computer screens in the office had this page on. The IPL began as a huge dampener, with less than 10% of the cheering/audience/ambience that was present last year. To compensate for the washed out matches and the lacklustre games, this blog has created enough and more vibes. Summon the FBI or CIA to trace the mole, but as Austin Powers would have it:
Mole. Bloody mole. We aren't supposed to talk about the bloody mole, but there's a bloody mole winking me in the face. I want to c-u-u-t it off, ch-o-o-p it off, and make guacamole.
Nice to mole you... meet you. Nice to meet you, Mole.
Sunday, 5 April 2009
Silver Jubilee
I will be celebrating my silver jubilee too. Did I just say celebrating? I feel like I have vegetated for half of my productive life... considering the first five a pain for people around, the last five to be a greater pain (hopefully not). Looking forward to the other half... would you like to place your bet on a cabbage? My take is potato. A couch potato :)
Cheers
I pray
to accept the things I cannot change,
the courage to change the things I can,
and the wisdom to know the difference.
Wednesday, 14 January 2009
Get your fundamentals in place I say
Thursday, 1 January 2009
2009

Am blank now. What next? 2009? Come in... take your seat.. What can I do for you?
I do not intend to make any resolutions but would definitely work on one thing...
Say NO when it matters - not before , not after.
Tuesday, 30 December 2008
Unputdownable
An empire is like a bull market. It grows, it develops . . . often it passes into a bubble phase, when
people come to believe the most absurd things.
We don’t know what stage the American empire has reached . . . but
we look around and see so many degenerate and absurd things, we guess:
We must be nearer the end than the beginning.
This kind of madness is hard not to like; it is like an aging woman who thinks she becomes
more fetching with each passing year. The gap between perception
and reality grows wider every day, until finally, the mirror cracks.
They went to the polling stations in November 2004 and believed they
were selecting the government they wanted, when the choice had already
been reduced to two men of the same class, same age, same schooling,
same wealth, same secret club, same society, with more or less the same
ideas about how things should be run.
Each generation seems to think they are the f irst to stand upright, that
their mothers and fathers walked on four legs and howled at the moon!
Another dead man, James Madison, made it even clearer: “Democracies,”
he wrote, “have ever been spectacles of turbulence and contention;
have ever been found incompatible with personal security or the rights of
property; and have in general been as short in their lives as they have been
violent in their death.”
So, we leave you “a Republic, if you can keep it,” added Ben Franklin.
Well, we couldn’t keep it. Now, we have a curious empire, with a
constitution as flexible as its money.
Distilled information tends to be expressed as moral interdictions.
Don’t steal. Don’t lie. Don’t buy expensive stocks or sell cheap ones. Don’t
expect to get something for nothing. Don’t neglect your spouse. Don’t forget
St. Patrick’s day. Don’t spend too much. Don’t eat too fast. Don’t drink
before 6 PM. Don’t mess around with the boss’s wife. Each don’t represents
lessons learned by previous generations. For every don’t, there must be a
million sorry souls burning in Hell.
American spending created a boom in China, where the average person
works in a sweatshop, lives in a hovel, and saves 25 percent of his earnings.Meanwhile, in the United States, the average man lives in a house he can’t pay for, drives a car he can’t afford, and waits for the next shipment from Hong Kong for distractions he can’t resist. He saves nothing and believes the Chinese will lend him money forever, on the same terms.
Sunday, 28 December 2008
Lesser mortals
When asked to drop them for the vittaldas bhajan I shrugged a bit and then agreed to, and ended up sitting through it. It was not my kind of thing to be doing- or so i thought. I felt external manifestation of devotion is a farce, till I realized that it was the safest thought to help lead a selfish life without being accused of irreverance or blasphemy. I still do not buy the logic behind some orthodox beliefs and practices in the name of god. But at the same time, I have grown to realise that I have been taking Him for granted. One should either be an atheist or a believer and there are no two ways about it. Seeking His help when need be and assuming that the other conscious acts of sin during the 'not so needy' times will be pardoned, shows how small a man can be ... and yet he is forgiven. I have been attending the morning Harinamasankeertanams - bhajan like (for those who are not aware of the terminology) during the December music season at Chennai. What began as an involuntary participation turned out to be quite blissful as time passed. I still dont believe the thousands who gather there, physically absolved of all dirt, are pure at heart or even anywhere close to it. But when He (vittaldas), not a singer from any plausible angle, renders some pieces and has the crowd rechanting the same after him, he sure does make an impact on even the least mortals sitting out there, pretending to not be affected by the ambience- like me. For that 60 odd mins, the world around me seemed like ether. No sooner did I proclaim staunch disbelief in such public devotional discourses than I realised my lips had already started singing after him. I am not pious.. I dont think I will ever be.
I dont know what reason each one has to offer when they gather there at 6am every morning. For me, its simple. When I sing aloud along with the million others, I feel I vent out all my sadness, happiness, frustration, pain .. joy.. no matter whatsoever. Amidst the crowd I enjoy my solitude. I do not know what bhakti means to others. For me it is starting to define a new trajectory. The more I spend time in such activities, the more i start respecting my inner conscience. Sometimes I feel I should stop it, for I have started to fear my inner conscience. Dont really have the guts to take it 'for granted' anymore. I have been selfish all through. I still am.
Following has been borrowed from another source:
'the only kingdom that runs on right and wrong is the kingdom of heaven and the kingdoms of the earth run on oil.To know the truth is one thing. To live it ..to create the kingdom of heaven on earth is another. How many times in a man's life does he do things that are repulsive to his morality in order to exist? How I have admired those few men in this world who would stand up for their convictions in the face of shame, torture and even death. What a wonderful feeling of inner peace they must have. Something that we ordinary mortals can never have.'

