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Thoughts Beliefs Actions

Thoughts. Where do they come from? What is their source? If we delve deep into psychology, there are various explanations. As a practicing Buddhist, what I have learnt in my 25 year journey is that at any point of time, who we are i.e. how we think is a sum product of all influences on us from this lifetime and maybe even past (if one were to believe in the Hindu/Buddhist theory of an eternal life.  Life as we know it - is what we experience, observe and feel on a moment to moment basis. Time and space are the two dimesions that matter the most in this experience. Why do I say this? Because while we are three dimensional creatures, in reality we have the soul of a "gypsy". No matter how many chambers and buildings might confine us and disconnect us from true nature, our mind wanders.  Sitting on a plane? What are you thinking? If this is not your fist flight and flying does not scare you, you might be thinking of family, the vacation you are planning etc. So in three dimesion...
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A Hindu in 2024 Bharat

 I was born in a Hindu Kayastha family in Rajasthan. But the first thing I learnt was that I had been born in privilege! My houses were huge. The police used to guard them and my father was a powerful influential person. What was he - an IAS officer in the poor state of Rajasthan. As the son of a Collector- I assumed this is how life is meant to be. Later I also learnt that I belonged to a UP Kayastha family. Kayastha - are the sons of Chitragupta in Hinduism. They are the ones who read out your karma when the time of judgement comes.  Hence we were not part of any of the Brahman, Kshatriya, Baniya grouping. We were a small elite group who were accountants of god and our true wealth was our “kalam” or pen! And as the pen grew mightier than the sword, Kayasthas gained tremendous importance in an Independent India. Mostly human gods in Hinduism were Kshatriyas (Rama) or Yadav (Krishna)  or Buddha (Kshatriya). We were worshippers of Shiva/Rama/Krishna. Later, in my 20s I fou...

Influencers and Investment Advice!

 The latest dream of every lazy man is to become a “Fin-influencer”! Get a large following on You Tube, brag about one’s portfolio returns and then start online tutorials where you give some tips to your followers in the garb of teaching. And of course you charge a fee for educating people! Everything legal and hunky dory! Now I worked as a Product Specialist across big Indian and MNC platforms and it took me 10 years to get to a stage where I could understand investing deeply and give correct advice. I have seen the bull market of 2006-2007. The bear market of 2008, the resurgence in 2009 and then the PIGS crisis in Europe that wiped out equity returns from 2011-2013 before Modi rally came in late 2013 and 2014.  Today’s blog is about one such Influencer who is a BIG name. He recently started his Podcast and using his intelligence and reach - producing world class content. But then he talked about Sovereign Gold Bonds which he said are a good idea since a lot of central banks...

Live true to yourself

How does one live true to oneself?  For years this thought troubled me. While the concept seems very fascinating, what is the true me? A small town boy who went on to study in the huge metropolis of Delhi in an extremely snobbish and elitist liberal arts college? A young man who went on to study in a large public funded university in North East US amidst a WASP majority? And then in his late 20s came back to settle in a numbing cosmo called Mumbai working in the ultra competitive field of Wealth Management?  Add to the complexities here - born as the son of a Collector. Grew up as a privileged kid amidst the 80s and 90s. Saw the height of powers a man can attain as the son of a Chief Secretary. And how all that power vanishes once the post goes away.  Life is never easy for anyone. Growing up is a process of gradual self discovery. But when one is born in a family with extremity of anything - power, money, fame - The way one thinks about life changes. Throw into the cauld...

20 years over. What next 21st century?

While going through my blogs today morning, I came across this draft in which I had written the following points: "The 21st century began with a lot of excitement. Y2K scares aside, I remember the hope and excitement we all had for a new century starting. 9/11 in a lot of ways changed everything. And dragged us back to the 20th century reminding us that one cannot just move forward without paying one's dues. As we enter 2020, I really wonder - are we any better off today? Here are the 5 things that I feel might still be troubling us as we reach 2030! Quantitative easing - My theory is that 9/11 also lead indirectly to the GFC and the collapse of Lehmann Brothers. And today we are stuck in a debt fuelled recovery. Will we be able to create economic growth that is not based on cheap and easy money?   Tech terror  Environment Religion China" Now if I were a pretentious guy - I would have claimed that look I predicted that something would come from China. Bu...

The Art of Value Creation and PM Vajyapyee!

What is value? And why is it important? Imagine two cars - a 35 laks SUV and a 5 lakh entry level hatchback. Both are going from Jodhpur to Jaislamer when suddenly a sandstorm comes. They both lose their way and end up on a sand dune. Which car would you bet to be able to tackle the tough terrnain successfully and be able to reach Jaisalmer? I am sure many of you are thinking the SUV! Its a 4 wheel drive - so no brainer duh! However, now put an amateur driver behind the wheels of the SUV and a smart driver behind the hatchback! Now think again? No prizes for guessing the SUV keeps spinning its wheel in the desert while the hatchback reaches Jaisalmer and hence is more "valuable" for its owners. But was the value in the cars or the driver? Ok! Now we are talking! So value creation is what? An art or a science? Now since driving ability cannot be quantified - I would say its an art! So then who are the tue value creators in this world? Apple has created tremen...

The rise of the Young Turks

Young Turks (Turkish: Jön Türkler, from French: Les Jeunes Turcs) was a political reform movement in the early 20th century that consisted of Ottoman exiles, students, civil servants, and army officers. They favoured the replacement of the Ottoman Empire's absolute monarchy with a constitutional government. Later, their leaders led a rebellion against the absolute rule of Sultan Abdul Hamid II in the 1908 Young Turk Revolution. With this revolution, the Young Turks helped to establish the Second Constitutional Era in 1908, ushering in an era of multi-party democracy for the first time in the country’s history. Source: Wikipedia Turkey – a melting pot, a country where two continents, two diverse cultures unite. India as a country is not very different. Today we are a blend of Hindu, Mughal and British cultures intertwined in ways that sometimes it is not possible to do an attribution analysis and understand which part of our culture owes its roots to which tradition. No...