Sunday, August 30, 2015

Does it make sense to take an unlimited call / text / data cell phone connection?

I just got a new cell phone contract for 2 years that includes unlimited call, unlimited text, unlimited data. Yes it is expensive, but here are my reasons to consider taking one such connection -

1. Obvious reason - do not worry about your calls and texts again
2. Unlimited internet - think how much netflix, youtube you could use while you are commuting or getting bored at work.

3. You can get rid of the GPS - I recently decommissioned my garmin GPS and replaced with my smart phone

4. If you travel a lot, then probably you would need the 4g connection everywhere, well, I do not travel to anyplace that is too far from suburb, so if you do not have cell phone signal this wont apply.

These are pros after I got this connection, here is con - your cell phone bill is way to high all of a certain - deal with it.

Saturday, August 15, 2015

How to Save money with automated savings - Digit

 This week I got an email from Digit that now they will give you dividend on your saving. I am uploading the email I got, but in short you get 20 cents per 100 bucks you have every year.

In case you do not know, what Digit is - digit is automated savings portal, kind of like betterment or acorns but only difference is, they save money from your checking / savings account in random order and if you leave the money it will grow. In my experience they usually take few cents every other day. And it is pretty cool, every month you stack up few bucks and over the time that becomes something. so if you do not have an account yet with Digit, then please open one and link your checking account. There is one thing though that I do not like about Digit that do not have an app on google store. But the money does not go down either, may be it is not market related, I do not know how they are making money, I am sure they are putting our money to work and making money for their own company, and I do not know if there is any risk involved, so please do your own research.

Monday, August 3, 2015

East's journey towards West - How India is staying behind?

I just read an article about Walmart planning to open few stores in India and it kind of made me think, how India manage to stay behind. And I am not questioning our broken school education system or super bad health care system or corrupt kings and queens ruling ignorant citizens who dreams of better days / nights.

If you live in urban India then you know how shopping malls, Pizza Huts, Dominoes, KFCs and all these multinational crap sellers taking over the country. And honestly I do not mind these multinationals charging high price for crappy food, all I am bothered about, how our stupid youth ( I happened to be one in the party) think Macdonald burger and deep fried chicken wings are better just because these are American companies. I am really concerned that our large youth who mostly stick their potbelly to the office desk, forget about working out, I knew guys who never took their butts off the chair they sat on in the morning. All these junks would do is make their life miserable once they turn 40.

This is a social problem that -
1. teenagers goes to these fast food chains to have some "we" time
2. white collars have turned towards pizza , burgers and deep fried chickens to celebrate their slavery
3. In India nobody knows importance of health, we mostly think eating lot of carbs and fats will make us strong ( please read will make us fat)
4. All these multinationals moving to India do not go just go for the big market, they go for the big ignorant market. While sale of these junks going down to these first world countries due to awareness of healthy eating, but our stupid and ignorant citizens think that drinking like fish and eating on junk is social status enhancer gives these companies a big market and they are just chasing in, being an investor I do not think these companies are doing any wrong.

This is unfortunate that we are missing the opportunity to cash in, walmart is opening stores and most probably will bring cheap stuffs from China to sell in India, so all these companies are generating jobs like restaurant waiters / managers/ cleaners, store manager and attendants and few security guards but where are the manufacturing jobs? You guessed it right, not in India.

Put your comments below this post and let me know your thoughts on this. Thanks

Sunday, July 19, 2015

How to stay motivated in Gym ? I don't feel like working out, but I want to work out

So, this is story of 80% of populated, you go to gym 2 - 3 times a week and then you do not feel like going or you do not see any improvement so what's the point of going to gym?

1. you need to set a target - and you need to run towards that. Your target should be say losing 20 pounds in 2 months or losing 5 inches of waist size or anything like that. I have seen improvement and reaching target is the best motivator.

2. Healthy competition - you can find a work out buddy and compete with him so that both of you stay on track.

3. Healthy lifestyle - you cannot just eat anything or live any lifestyle, you got to eat right and sleep right so that you feel energized enough to go to gym and then get started.

4. lose those friends - you cannot handout with those friends who forces you to drink or you have pizza party with, like I said, you cannot jut have anything and everything, you need to control your diet.

5.Choose your gym - so you need to pick a gym carefully, you do not want to see sloths around you, you need to see people who look good and full of energy, and knowledgeable, so that if you do not know how to use an instrument, someone can guide you.

6. Hire an instructor - money is a big motivator, hire a personal trainer  who will push you, so that you get in better shape and feel good about yourself, do you remember what Kevin Spacey Said in American Beauty? You need to look good, you need to see positive change to stay motivated. 

Saturday, July 18, 2015

5 Gym Myths - learn to manage expectation to stay motivated

After 12 hours I know there are lot of myths among people who do not work out or go to gym. I will try to compile those here -

1. I go to gym, I can eat anything - no you cannot. going to gym and staying addicted to greasy and carb full diet is like pressing gas and break pedal together, all you will get is wheel spin, you cannot move forward.

2. Whoever goes to gym becomes beefy like WWE wrestler - well I wish this was true, I am going to gym for last 12 years, I do not take steroids or any other protein, I am no where near being as jacked as any WWE wrestler.

3. You become dumb - well in my experience if you don't work out or live a healthy life you are already dumb. And as far as being dumb goes, blood flow to your body parts will make them stronger, not weaker, so work out should b good for brain.

4. You get jacked up easily - I do not think so, depends on your diet, work out routine and life style, moreover you need to work really hard to body / physique you dream of, it is never easy to build or maintain.

5. Yoga is better than Gym - it is like saying biology is better than physics, I do not want to say anything else. Yoga has a different purpose than work out, you can do both and learn / realize the different.  


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