Sunday, November 22, 2015

What Is Spirituality?

It all started in 2012, - 2013 when I came to USA and having tough times at work, well by tough times I do not mean - " I was losing job", as a matter of fact I got a promotion after working really hard in a project. But, I was pondering that where I was going with my list, I had a successful career apparently good life, still my "pursuit of happyness (refer to Will Smith movie)" was so incomplete.

It started with astrology, I was trying to understand what was wrong with the stars when I was born, I guess I was not ready to blame myself so I chose the safe bet stars to put the blame on :P. So, I am still learning astrology as I found it to be useful to uncover the problems in me. Yes, I was self absorbed - still I am am, but at least I am aware of all my problems, and thanks to astrology for uncovering all those problems to me, and I would say I am still working on my issues and I am somewhat getting better.

Anyway, believing in astrology not believing is up to you, I am not trying to convince you that vedic astrology works. My interest got diverted to spirituality for a while, I do not really fall into typical spiritual person category. I do not visit temple nor read any religious books. Anyway, while exploring spirituality and listening to spiritual gurus, I figured, spirituality is very personal, you do not need to follow a certain way to prove that you are spiritual. For me, spirituality is all about living a fulfilled life, to have the sense of having what I need. Happiness or sadness or any other kind of emotion makes you normal human being, but if I tell you honestly, I am inclined towards Buddhism, living a simple life, conquering your senses and emotions , anyway, if you want to know about what Buddha said, you can google him. But yes, I eat non veg- well I need protein, what I do? Plants are not good source of protein, not my fault. I believe in maintaining good health, well health is wealth, maintaining food relation with everyone by being kind and empathetic to others, it is about growing consciousness, either you can be self centered and  expect yourself to be entitled to everything or you can have gratitude for everything you have and live a happy life.

Anyway, my point is, you can call me materialistic, as I believe in working hard and being successful in terms of creating wealth, wealth is security to me and I strongly believe that how much money we would ever make is already determined, you can try as hard as you want, still you wont make a single extra dime. Health is another priority for me so I don't live on carbohydrate , I eat meat - in terms of general definition that does not make me spiritual.

But, it is my life, and my way of growing as a soul, learn and live a peaceful and fulfilled life. And however I learn it, it is unique and personal to me. Some people learn better in classroom, some online and people like me depend on self study. Like in education it was about passing the exams and getting the degree ( do not get me wrong, I believe in learning and understanding too) life is also about getting what you want out of it.

Saturday, October 17, 2015

How to save money while shopping online? Part 1

So the online shopping season is almost here again as the holiday season is approaching first. Couple of things you need to keep in mind while you are shopping, I am not talking about online shopping, you can keep these points in mind while you are shopping in store or online.

1. Use coupons - verify in retailmenot or stores website if there are any coupons available 

2. Shop during the sale is on - you will see the sale or tax free windows, those are good opportunities to make purchases 

3. Credit cards those offer cashback, often offers good cash back offers for shopping in certain department stores, you can use those offers to save some more money on top of your discount price

4. ebates - ebates is a website that offers cashback to shop online, visit the site , you can simply use their shopping link or install the plug in the browser and activate it while making purchases online.

5. Sign up for Paribus , this is a new concept, they monitor the prices for the purchases you make and then if the price drops, they file the price difference claim and gets you the cash back to your account. They have a small fees too that they take for every successful claim, otherwise there is no charge.

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


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