Sunscreen Wisdom

I go through this wisdom quite often these days.
I find it always ahead of its time.
Here it goes:

Ladies and Gentlemen of the class of ’11
If I could offer you only one tip for the future, sunscreen would be it.
The long term benefits of sunscreen have been proved by scientists
whereas the rest of my advice has no basis more reliable
than my own meandering experience…


I will dispense this advice now.


Enjoy the power and beauty of your youth;

oh nevermind; you will not understand the power and beauty
of your youth until they have faded.
But trust me, in 20 years you’ll look back at photos of yourself
and recall in a way you can’t grasp now how much possibility
lay before you and how fabulous you really looked….

You’re not as fat as you imagine.

Don’t worry about the future; or worry,

but know that worrying is as effective as trying to solve an algebra
equation by chewing bubblegum. The real troubles in your life are
apt to be things that never crossed your worried mind;
the kind that blindside you at 4pm on some idle Tuesday.

Do one thing everyday that scares you

Sing

Don’t be reckless with other people’s hearts, don’t put up with
people who are reckless with yours.

Floss

Don’t waste your time on jealousy;
sometimes you’re ahead, sometimes you’re behind…
the race is long, and in the end, it’s only with
yourself.

Remember the compliments you receive, forget the insults;
if you succeed in doing this, tell me how.


Keep your old love letters, throw away your old bank statements.

Stretch


Don’t feel guilty if you don’t know what you want to do with your life…
the most interesting people I know didn’t know at 22 what they
wanted to do with their lives, some of the most interesting
40 year olds I know still don’t.


Get plenty of calcium.

Be kind to your knees, you’ll miss them when they’re gone.

Maybe you’ll marry, maybe you won’t,
maybe you’ll have children,maybe you won’t,
maybe you’ll divorce at 40, maybe you’ll dance the funky chicken on
your 75th wedding anniversary…

what ever you do, don’t congratulate yourself too much
or berate yourself either – your choices are half chance,
so are everybody else’s.

Enjoy your body,
use it every way you can…don’t be afraid of it,
or what other people think of it, it’s the greatest instrument
you’ll ever own..


Dance…
even if you have nowhere to do it but in your own living room.


Read the directions, even if you don’t follow them.
Do NOT read beauty magazines, they will only make you feel ugly.


Get to know your parents, you never know when they’ll be gone for good.
Be nice to your siblings; they are the best link to your past and the
people most likely to stick with you in the future.


Understand that friends come and go,but for the precious few you
should hold on.

Work hard to bridge the gaps in geography and lifestyle because
the older you get, the more you need the people you
knew when you were young.


Live in New York City once, but leave before it makes you hard;
live in Northern California once, but leave before it makes you soft.


Travel.


Accept certain inalienable truths,
prices will rise,
politicians will philander,
you too will get old,
and when you do you’ll fantasize that when you were young
prices were reasonable,
politicians were noble and
children respected their elders.


Respect your elders.


Don’t expect anyone else to support you. Maybe you have a trust fund,
maybe you have a wealthy spouse; but you never know when either one
might run out.


Don’t mess too much with your hair, or by the time you're 40,
it will look 85.



Be careful whose advice you buy, but, be patient with those who
supply it. Advice is a form of nostalgia, dispensing it is a way of
fishing the past from the disposal, wiping it off, painting over the
ugly parts and recycling it for more than it’s worth.



But trust me on the sunscreen…


< Taken/adapted from Baz Luhrmann's iconic words>

Refrigerators Pricelist - 3Door

TYPE Whirlpool Price
3 Door 330 Elt 3D Protton BlackRs. 29510
3 Door 330 Elt 3D Protton Rs. 28580
3 Door 330 Deluxe 3D Protton Black Rs. 28430
3 Door 330 Deluxe 3D Protton Rs. 27500
3 Door 300 Elt 3D Protton BlackRs. 26370
3 Door 300 Elt 3D Protton Rs. 25440
3 Door 300 Deluxe 3D Protton Black Rs. 25340
3 Door 300 Deluxe 3D Protton Rs. 24410



Samsung
Bottom RL41WCPS -358L 40500
Freezer Samsung RS20CRPS5-549L49500
Samsung RS20NRPS-510 47700

Hitachi
3 Door R-S37SVND-438 48990
3 Door R-S31SVND-366 42000
3 Door R-26SVND-306 33500
2 Door R-Z300AND7K30024,990

Best Tax Saving Mutual Funds in India

Best Tax Planning Mutual Funds
As per Returns of Last two Years are as follows:
I would personally recommend the following Order:
#1. Canara Robecco Equity Tax Saver,
#2. HDFC Tax Saver,
#3. Fidelty Tax Advantage and
#4. ICICI Prudential Tax Plan

Please Invest in only 1 Fund per year and not more as it gets really difficult to keep track of all funds in case you are going to invest in some Fund or the other every Year for Tax saving.

Till date I have Invested in Reliance, Sundaram BNP Paribas, Kotak and SBI Magnum MFs for Tax Saving.
For complete and un biased opinion on Mutual Funds I suggest one should consider the following site:
www.valueresearchonline.com

Happy Investing and have a great Year ahead!

2010 : Looking back

2010 was an eventful year for me..financially there were a couple of big decisions I made which would impact the next 2-5 years of my Life, to say the least.

Of financial Nature:
#1:
Under persistent pressure from my family, I gave into their desires and signed on the dotted line...
Hollaa...I booked a Flat worth more than ***** times the annual compensation
of a respectable PL. Thia was in February this year. Its a township and I will be "delivered" the 15 floor flat after 2 and a half years!!!
However, ther is something I did to my liking:

I booked it on 11th Floor, hill view. Sweet!

Not sure how I would manage the Loan though. Any ideas, Brutus?

#2.
I did something which was due for 2 years now.
I booked a 4 wheeler right before the finish line of 2010. In December end.
That scraps off my half year's compensation roughly.
But its worth it I guess.

The car is eye popping ...absolute Looker and grey.
Will get it by end of Jan 2011.

Not sure how I will pay for this as well!


#3.
I purchased some neat Cane Furniture for Bedroom.



I think I got a great deal from a roadside vendor.
Its for less than a decade of INRs and slightly more than Pancham Da's number!

#4
Tricked into purchasing useless MFs by my a Banker who was assigned to my case
by her supervisor. Also bought some long term bonds for tax savings.
Thanks Pranav Da for Infra Bonds.I am sure he can mange a few more of such
premises for tax exemption in 2011.

..I will stop before I further elaborate on many other conquests of Big Bazaar and D Marts which I managed in my weekly forays.

#5:
Lost substantial amount in equities.
Though I am still invested in them but the stock instrument is stuck like an FD.

Non Financial - Professional events:
#1.
Ahem.. I have managed a Visa for a country which is generally considered comparatively difficulty to acquire.
Its basically a work permit for a couple of years in the country.
It gives anyone freedom to seek employment after arrival.
Can't get the damn office to reimburse it though.

Might put it to some use later.


#2: Gymming: Did make use of official time and facilities.He He.

Things which should have reached a closure albeit they didn't:
#1: ******** ...ahem.
#2: GMAT : Didn't take this year.Should have.
#3: Fine Arts/ and Photography: Avenues that have been on the periphery far too long.
#4:On Air and Under/Over water Antics: Still planning!
#5:Goa, Rishikesh,Kerala and Laddakh: Someday.Someway.Together.. MLTR comes alive.


That's it folks! Will jot down 2011 plans sooner than later.
Cheers.

Monthly Expenses - Bachelor

Am a Bachelor although inching closer to 30 now and have decided since last 2 years to splurge and live a more comfortable life than I am used to, before the sun sets on Singlehood.

Following figures are my contributions every month on various expenses:
Shared Rent(my contribution): 6500 (1bhk near Adlabs)
DTH plus Internet plus Cell Bill: 1500
Brunch plus Dinner : 6000 ( Parcelled food at nite )
SPIRITS in house: 2000 (Beer/Scotch)
Toiletries’: 1000
Bijli plus Paper Bill plus Bail: 1000 (Don't have AC/Refrigerator)
Adhocs: 1000 (Walk to Office/Hotels)

Basic Totals: 19000 (Damn !###&&&)

This figure would be closer to 12K for regular Bachelor.

Have been visiting Royal Orchid with friends frequently and Westin Off late. That is knocking off about 4k on an average every month.

Totals including Outings: 23k

This figure obviously does not consider EMIs/clothes/Instinctive Purchases etc. which most of us are committed to.

Stupid Mondays are no Fundays...

Fuckin Monday blues....
Came to Office at 2 .15, late by 2.25 hours... and no one to barge on my head for it.Thats the only thing good that happened.

Codede a new Programme in COBOL-CICS for editing a ADABAS file.
A previous version of this Programme is a hit with Client for an Online Project which displays Cutomer Non-Billed data in the Client's website.
This new version is for similar functionality, but in another platform.

Did not have much enthusiasm to write it but somehow managed to code it in full by evening.

When I tried to compile the damn thing, the bloody TSO went into some kind of obnoxious loop and threw a blank screen. The Environmental manager tells me its due to an upgrade they have done via IBM which is corrupting the Compile job for some of the Users!!!!
can't see my Output......Fuck this day.

Fuckin Mondays

Movies which connect 01: American Psycho

American Psycho:
This film has something which inexplicably I connect to and have watched about 5 times.

Its the story about a young Wall Street Banker (investment Banker ...ehm) who morphs into chick slayer by night and looks around New York for sluts/easy blondes he can seduce and kill using uncommon methods... via manual axe/automated saw (used in lumbering and trapping in Canada) and such other stunts
He exercises with Texas Chainsaw murder scene playing in the background!

There is something so fuckin good about Patrick Bateman that I cannot but appreciate the lust he has for things which ordinarily may some heinous
but wickedly enough, I find them as a great work of abstract art, free from boundaries of society and completely savage.
Savagery is reprehensible for sure but is intrinsically looks good here.. "murders and executions"

It brings to the forefront what a man was meant to be...
hunt...kill... eat...fuck...sleep...hunt...kill...

The characterization is almost poetic, and surely the book by Bret Easton Ellis would be a amazing as well. In the hands of female director Mary Harron, Christian Bale takes the Protagonist's absolute numbing performance to epic proportions.

Starting from the opening scene where red berry sauce and blood seem juxtaposed on a plate ...the film establishes its intention and class and sticks to it till the end.

Bateman's apartment looks to be an extension of his personality..
Stark... black/white/grey..... purposeful.....straightforward, no-nonsense, and dead like.Looked to me to be designed by Howard Roark, of all the people.


The early scene where Bateman's friends look at each other's cards and Bateman suddenly become psychotic is so fuckin humorous that I ROFLOL every time.
And I love the name Dorsia.... not sure if there is any Hotel with that name in Pune though. Would have loved it.

Tired of eulogising the movie... its poetry in motion... watch it before you die.