hi,
though i dont deal in stock market n invest in shares myself.....felt like writin sharin my thoughts on d what i m seein these days...
day after day i see more n more ppl gettin into shares...in office, in trains, amongst friends....d topic of discussion is shares......sites like icicidirect.com r opened first thing after reachin office....buy / sell shares first...baaki sab uske baad.....ppl who hav taken VRS r not thinkin of workin again somewhere.....y u wanna work when u hav d local sharekhan / indiabulls office where u sit all day long n look at screen all day n keep buyin / selling n earn few thousand rs... CNBC / NDTV Profit give u free advice all day n will make u n expert...
well investin into stocks is perfectly fine...if u look at empirical data also, stocks hav always given best return compared to other investment options....be it real estate / gold / commodities etc....
but d point tht's botherin me d most is d time frame......stock markets r all abt investing.....u keep pickin stocks which u feel r attractively priced n look at them from long term....only then stocks turn out to be best option......
what's happenin these days is stock markets r looked at short cut to quick money....
n tht's d reason y all r into stock markets......ppl see stock markets as one step solution to all money woes....i agree tht meetin all ends meet in these days is tuf for all....u need tht extra bit of support from whatever source u get to live tht life with all d comforts....
one invests nowadays dependin upon how much money one can spare...n hopes tht he / she can double it ASAP.....very seldom will u see ppl investin in stocks based on some research done by d individual....most of it will depend upon d "Tip" given by d friendly broker who is jus a fone call away or from some friend who is either workin with some investment banker or from here n there.....n more often the small investor buys in when d prices r already sky high n there is jus one way for d prices to go...n tht's fall.....
one more point to always keep in mind is Stock Markets in an ideal situation is a Zero Sum game....when i say a Zero sum game is someone's gain is at d cost of someone...so when u r ready to buy at those prices someone is selllin at tht prices n makin money at ur cost....
similarly u will find d brokers askin u to buy shares...where d appreciation will b in few rupees here n there n then sell it at a short notice...what's happenin is they r interested in brokerage n hence when u buy n then sell, irrespective of whether u get those few bucks r not, atleast their brokerage is assured in d transaction
if u look at d history after every meteoric rise has come a fall...be it d Harshad Mehta / Ketan Parekh etc etc...whenever tht fall has come, its ppl like u n me who have been d hit d most....
...a small piece of advice my prof had offered to us durin our b skewl days.....when u start hearin abt stock market in non-financial and regional newspapers ...tht's d time to stop investin as d markets r highly unstable n its d time for ppl with sound knowledge to come out of it....
our hard earned money is what is at stake so invest judiciously
happy investin n not speculating
aks
Tuesday, December 19, 2006
Friday, November 24, 2006
FAQs "Arranged Marriage - Selection Process" - ver 1.0
well i hav gone thru d process of arranged marriage myself but then i m sure quite a lot of us still hav doubts as what u shud ask when u meet someone....
so hav jotted down a few things which came to my mind with bit of help from my sis as well
so here we go....this is from a guy's perspective
Think or possibly even write down some things like..
1. What things u consider desirable might be ok to compromise…
Good looks ..color, height, fat/thin,
Financially same/ lesser but not more
Educational qualification – any grad, BE/ medicine, masters..
Field of work (doc, engg, etc)
Working / not…if yes, where? how serious she is abt her work ? does she have any goals for career ?
Family background – educated?
Seemingly similar lifestyle as you
Ghar kaisa hai
Very quite girl/ ok types…(some things u might not be able to judge completely but shayaad kuch idea aaye….like if shez over-enthu, u might not like it
Likes/ dislikes abt foods / sports / movies / actors (male / female) / travellin
friends / college life kaisa tha
what she does in spare time
how she spends her weekends
does she like watchin movies in theaters
does she do cookin at home ? how she is involved in household chores ? does it happen tht mom is not there n she has to take care of the house
does she take decisions on her own or depend upon parents / friends / someone else
2. Then other things to consider are…which of these are easily changeable/ moldable…
how u might be ok to change and not be as stubborn with things wrt biwi and her expectations.
remember it’s not that easy to bring changes in ppl…and especially don’t make assumptions that she will be happy to change, etc and will be able to change….
U can probably expect such things about dressing, etc. for eg, if u don’t like the gals dressing, I think in most cases, the gal wouldn’t mind switching to wearing what makes u happy…unless, it’s too drastic. btw, expecting her to wear a sari 24/7 might be thoda jyaada for some.
while deciding what is how important for u…don’t think morally…as in…if u WANT her to only wear a sari 24/7 when at your home…or that she should NOT wear jeans….don’t think like…” it’s wrong to impose rules/expect like that, etc”….if that’s important for u…it is important..simple…
3. Same about looks…it’s not wrong to expect good looks…u would know what appeals you…
btw, in my opinion, looks don’t matter too much…but all thinks they do matter to some extent…neither am I wrong nor r others….it’s what you think is important or matters to you. .
what I have seen is that people tend to give looks a greater importance in arranged marriage scenario as it’s the only things which can be definitely found out. But please don’t end up giving it too much importance. It shouldn’t be like if looks change after marriage, that u would be totally disinterested. (many gals put up loots of weight after marriage, someone can have a accident and looks might change, and btw, some people also develop a glow or become slightly fairer after marriage)
4. anyways, Another important thing was…age and family pressure issue…
you would know how important it is for u to marry soon or if it’s ok for u to take some more time…what’s your threshold.
For u…think about it
The closer u reach the threshold, the more u might have to start making compromises. Like some things which might have been in “preferred category” might be in a “can compromise” category now…
Take time and …give it a thought..
Or u might want to write things as well…
basically, identify measures…mark their level or importance….see if they are measurable with the information u can get…
and keep a tab on timelines..
i always had couple of rounds....in d first round i wud ask those questions on which i wanted n Yes from her side n when it was clear by all i wud meet again...then in d next round i wud talk other things.....jus to get some insight in her
in d 2nd round i used to give a brief abt how things were at my house...this was to give a fair picture to d gal as she has to move there n not d other way round
also usually there's a lot of pressure from parents / ppl in d middle who bring proposals / at times gal's parents to say YES but then if ur gut feel says NO....jus stick to it....ek baar na hua then khatam...jus close the chapter...since aage u shud never hav tht feelin in ur mind yaar i had said no for this gal but then i was forced to say Yes n things aint workin for us......
but agar 50:50 hai u can always meet d gal again (if its allowed in ur mind) or if possible talk with her on d fone bfore u finally take decide
in my MBA group there were 2 who saw / met more than 30 gals.....one of them finally married a gal whom he had rejected one year earlier...another had lots of emphasis on looks but then finally he also said yes for n avg lookin gal......
see in arranged marriage its always a risk....probably d biggest risk u wud b takin in life......n in jus 1-2 meetin for 30 min - 1 hour its very diff to get total idea abt d person to decide if she is d gal u want to marry...it wud not b like a hindi film where u hear some music to give signal this is d gal / ya tere heart dhak dhak karega zoro main suddenly !!!
its a tukka n u hav to decide when u wanna take it.....arranged marriage is all abt compromises since as u start knowin each other u will get a new googly which u did not know earlier....so its how u both take it n move fwd in life
in arranged marriages love usually happens afterwards as u know each other better...its never love at first sight kind of situation....
so all d best
go ahead n njoy d process
aks
so hav jotted down a few things which came to my mind with bit of help from my sis as well
so here we go....this is from a guy's perspective
Think or possibly even write down some things like..
1. What things u consider desirable might be ok to compromise…
Good looks ..color, height, fat/thin,
Financially same/ lesser but not more
Educational qualification – any grad, BE/ medicine, masters..
Field of work (doc, engg, etc)
Working / not…if yes, where? how serious she is abt her work ? does she have any goals for career ?
Family background – educated?
Seemingly similar lifestyle as you
Ghar kaisa hai
Very quite girl/ ok types…(some things u might not be able to judge completely but shayaad kuch idea aaye….like if shez over-enthu, u might not like it
Likes/ dislikes abt foods / sports / movies / actors (male / female) / travellin
friends / college life kaisa tha
what she does in spare time
how she spends her weekends
does she like watchin movies in theaters
does she do cookin at home ? how she is involved in household chores ? does it happen tht mom is not there n she has to take care of the house
does she take decisions on her own or depend upon parents / friends / someone else
2. Then other things to consider are…which of these are easily changeable/ moldable…
how u might be ok to change and not be as stubborn with things wrt biwi and her expectations.
remember it’s not that easy to bring changes in ppl…and especially don’t make assumptions that she will be happy to change, etc and will be able to change….
U can probably expect such things about dressing, etc. for eg, if u don’t like the gals dressing, I think in most cases, the gal wouldn’t mind switching to wearing what makes u happy…unless, it’s too drastic. btw, expecting her to wear a sari 24/7 might be thoda jyaada for some.
while deciding what is how important for u…don’t think morally…as in…if u WANT her to only wear a sari 24/7 when at your home…or that she should NOT wear jeans….don’t think like…” it’s wrong to impose rules/expect like that, etc”….if that’s important for u…it is important..simple…
3. Same about looks…it’s not wrong to expect good looks…u would know what appeals you…
btw, in my opinion, looks don’t matter too much…but all thinks they do matter to some extent…neither am I wrong nor r others….it’s what you think is important or matters to you. .
what I have seen is that people tend to give looks a greater importance in arranged marriage scenario as it’s the only things which can be definitely found out. But please don’t end up giving it too much importance. It shouldn’t be like if looks change after marriage, that u would be totally disinterested. (many gals put up loots of weight after marriage, someone can have a accident and looks might change, and btw, some people also develop a glow or become slightly fairer after marriage)
4. anyways, Another important thing was…age and family pressure issue…
you would know how important it is for u to marry soon or if it’s ok for u to take some more time…what’s your threshold.
For u…think about it
The closer u reach the threshold, the more u might have to start making compromises. Like some things which might have been in “preferred category” might be in a “can compromise” category now…
Take time and …give it a thought..
Or u might want to write things as well…
basically, identify measures…mark their level or importance….see if they are measurable with the information u can get…
and keep a tab on timelines..
i always had couple of rounds....in d first round i wud ask those questions on which i wanted n Yes from her side n when it was clear by all i wud meet again...then in d next round i wud talk other things.....jus to get some insight in her
in d 2nd round i used to give a brief abt how things were at my house...this was to give a fair picture to d gal as she has to move there n not d other way round
also usually there's a lot of pressure from parents / ppl in d middle who bring proposals / at times gal's parents to say YES but then if ur gut feel says NO....jus stick to it....ek baar na hua then khatam...jus close the chapter...since aage u shud never hav tht feelin in ur mind yaar i had said no for this gal but then i was forced to say Yes n things aint workin for us......
but agar 50:50 hai u can always meet d gal again (if its allowed in ur mind) or if possible talk with her on d fone bfore u finally take decide
in my MBA group there were 2 who saw / met more than 30 gals.....one of them finally married a gal whom he had rejected one year earlier...another had lots of emphasis on looks but then finally he also said yes for n avg lookin gal......
see in arranged marriage its always a risk....probably d biggest risk u wud b takin in life......n in jus 1-2 meetin for 30 min - 1 hour its very diff to get total idea abt d person to decide if she is d gal u want to marry...it wud not b like a hindi film where u hear some music to give signal this is d gal / ya tere heart dhak dhak karega zoro main suddenly !!!
its a tukka n u hav to decide when u wanna take it.....arranged marriage is all abt compromises since as u start knowin each other u will get a new googly which u did not know earlier....so its how u both take it n move fwd in life
in arranged marriages love usually happens afterwards as u know each other better...its never love at first sight kind of situation....
so all d best
go ahead n njoy d process
aks
Friday, November 17, 2006
Second Innings in Projects
after a long wait, finally i have got d date to move to Andheri office
frm this monday - 20th Nov I will b goin there
spent more than 2 years here in this role in Audit....
jus like after engg, i had never thought tht i wud b sellin fabrics at Lifestyle n now after doin my MBA n tht too in Fin, never ever had thought tht i wud b doin audit but tht is how life goes on...u plan somethin but then most of d time those remain as plans n things take a detour
it has been n eventful journey goin out of mumbai month after month, gettin galis from boss for not doin work n playin cricket, from near n dear ones for being away for weeks at a stretch, from friends for not being able to attend their wedding, eatin dosas in d mornin n curd rice in d nite at tambi land, n then livin in d jungle where at times u r totally lost from d world when cell fones / net kuch nahi chalta tha...jus urself for co.
also in this role as n auditor i got to meet lots of ppl right from people working at the units, people with big four audit firms, meetin the CEO/CFOs of the units n then finally meetin d Top Management every month in our review meeting
probably those review meeting is what we looked fwd to....since gettin to hear / meet d owner of d co had its own charm.....owner of d co. knows u personally by name...so thoda collar tight hota tha.....but then jab pitaati hoti thi hamari in tht meetin then we all wud b lookin to go underground n not even look in his eyes.....
only sour point i felt was i wud liked to end in a better way n move out gracefully rather than being kicked out of the role.....but then felt it had reached a point where i was ready to resign rather than move out of Mumbai
when i join d office on Monday, it will b same set of ppl with whom i had worked 2 years ago in Korba......but then 2 years is a long time n things hav changed a lot.....personally i hav changed n so also d ppl whom i used to work with will hav changed....
so its goin to b a fresh start for me.........aint sure what xactly lies ahead for me......i know it aint goin to b easy but then nothin is easy....
d fight will start as soon as i get off at andheri station n try to reach new office at Chakala......
tht's it from my end
cheers
aks
frm this monday - 20th Nov I will b goin there
spent more than 2 years here in this role in Audit....
jus like after engg, i had never thought tht i wud b sellin fabrics at Lifestyle n now after doin my MBA n tht too in Fin, never ever had thought tht i wud b doin audit but tht is how life goes on...u plan somethin but then most of d time those remain as plans n things take a detour
it has been n eventful journey goin out of mumbai month after month, gettin galis from boss for not doin work n playin cricket, from near n dear ones for being away for weeks at a stretch, from friends for not being able to attend their wedding, eatin dosas in d mornin n curd rice in d nite at tambi land, n then livin in d jungle where at times u r totally lost from d world when cell fones / net kuch nahi chalta tha...jus urself for co.
also in this role as n auditor i got to meet lots of ppl right from people working at the units, people with big four audit firms, meetin the CEO/CFOs of the units n then finally meetin d Top Management every month in our review meeting
probably those review meeting is what we looked fwd to....since gettin to hear / meet d owner of d co had its own charm.....owner of d co. knows u personally by name...so thoda collar tight hota tha.....but then jab pitaati hoti thi hamari in tht meetin then we all wud b lookin to go underground n not even look in his eyes.....
only sour point i felt was i wud liked to end in a better way n move out gracefully rather than being kicked out of the role.....but then felt it had reached a point where i was ready to resign rather than move out of Mumbai
when i join d office on Monday, it will b same set of ppl with whom i had worked 2 years ago in Korba......but then 2 years is a long time n things hav changed a lot.....personally i hav changed n so also d ppl whom i used to work with will hav changed....
so its goin to b a fresh start for me.........aint sure what xactly lies ahead for me......i know it aint goin to b easy but then nothin is easy....
d fight will start as soon as i get off at andheri station n try to reach new office at Chakala......
tht's it from my end
cheers
aks
Wednesday, November 01, 2006
My first blog
well had been thinkin abt creatin my own blog for a long long time.....
but then as always we only keep thinkin n never actually doin things
but then today read a blog from a friend n got inspired
n not jus me....my friend also has created one today at d same time
okie...so tht's d easier part which has been done
n now d difficult part to write
not sure from where to start....so many things keep flowin thru d mind but then when actually gettin down to write, totally blank !!!
continuin from d blog which i read of my friend
it went somethin like this......
"i can...i will"
so many things we can do......
but in end what we can do remains jus as we can
what we actually do is
but then as always we only keep thinkin n never actually doin things
but then today read a blog from a friend n got inspired
n not jus me....my friend also has created one today at d same time
okie...so tht's d easier part which has been done
n now d difficult part to write
not sure from where to start....so many things keep flowin thru d mind but then when actually gettin down to write, totally blank !!!
continuin from d blog which i read of my friend
it went somethin like this......
"i can...i will"
so many things we can do......
- like gettin up early in d mornin n goin for a small walk at the sea face
- gettin a feel of d newspaper in d hand n readin it rather than readin d news on d net
- comin to office n makin sure tht first half is not spent on orkut or yahoo or gmail
- replyin to all mails in time n not keepin them in d mailbox jus as it
but in end what we can do remains jus as we can
what we actually do is
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