Showing posts with label Indore. Show all posts
Showing posts with label Indore. Show all posts

Monday, January 06, 2014

2013 – In Hindsight

To say 2013 went by quickly would be the understatement of the year.

With the communication technology so vastly improved, there has been an overdose of social apps. There is little we don’t know about the connected people in our network, and at times we know a bit more than needed. But, as has been my practice over the past few year, here is a summary of what happened in the year around me.

People we lost in 2011

Nelson Mandela was perhaps the biggest news of the year, and though he had been in & out of the hospital with near death experiences, the news still created a feeling of sadness around the world for having lost one of the last great leaders.

Margaret Thatcher was another one that had impressed me with her leadership skills. The Iron Lady, as she was commonly called, had a great stint as the UK PM for nearly 11 years.

I grew up reading the books written by Tom Clancy, and his death in the year was another big loss.
  
Major news events in 2013 that made headlines, and caught my attention:

  • Kumbha Mela in Prayag (Allahabad) in India
  • Sachin Tendulkar retired from cricket – for me that was probably the last attraction for Indian Cricket.
  • Swami Viveknand’s 150th birth anniversary was celebrated across the globe
  • Barrack Obama took the oath to continue as the USA president for the second term.
  • Narendra Modi made a lot of headlines in India and emerged as a leading candidate for post of India’s Prime Minister
  • Arvind Kejriwal created the AAP (Aam Aadmi Party – Common Man’s party) which swept the ruling Congress Government from power in Delhi. He seems to have a lot of charisma, and if he can remain honest, he will be able to do wonders for the India Politics.
  • Obamacare ran into multiple issues – both political and logical (with the launch causing severe performance issues).
 The Kids

Shivangi is now a senior at University of Southern California (USC), majoring in Industrial Systems Engineering. She graduated earlier in 2011 from Mills College with major in Math. In the summers, she interned at Niagara Water bottling company in Ontario, California and wants to pursue a career in Supply Chain Management. She was elected the Vice President of her sorority at USC, and has built a good network for herself.

Neha, turned 21 on the last day of the year. She is now a senior in St. Mary’s college, majoring in Bio-chemistry, and is thinking about a career in medicine, genetics or pharmacology. She has continued to be very involved in the local Hindu chapter of the Hindu Volunteers Group (HSS) and helps in running its daily activities by helping her mother with the efforts in that area. Her 21st birthday was a fun event – where Nandita had planned a surprise party for her. We had invited some of her friends, Shivangi’s friends and our close family friends over for lunch on the day, while Nandita took her out to get her nails done. It was fun to surprise her. Earlier, over the weekend, Nandita had arranged for a helicopter ride from San Carlos airport to Half Moon Bay – thanks to her friend, Terri Mead.

Both the girls will graduate in May of 2014.

Nandita and I

Nandita and I turned are inching towards our 50s. We have been married for nearly 27 years now, and have known each other a lot longer (since 1981).


We are so pleased and honored to see so many people feel comfortable visiting our humble abode and staying with us. Between April and Dec, I think there was barely a week when there was no friend/family member visiting us or staying at our place. Some of the folks that visited us were Nandita’s Cousin with her family (Rucha’s parents) from Pune; my College Professor Mrs. Sumedha Nashikkar and her husband, Anil (took me nearly 20+ years of convincing to finally get her to come); my college friend Farhan Pettiwala and his wife, Navya; Our childhood friend Sharmila Dey and her daughter; Alicia and Jeff Sandoval; Tanvi Sinha, and my wife’s neice Priyanka and her mother to name a few. It feels like a good to see people feel at home at our place, and we had some fun times with all our visitors. 

Our jobs

I changed my job last year in November, moving from Bank of America to a start up named Tria Beauty. The company makes laser operated bio-medical devices, which are FDA approved to be used for skin care like at-home Laser Hair Removal, Anti-aging and Acne treatments. I had been keen to move into the start-up sector, and this opportunity just happened to come along at the perfect time, just as both the girls were entering their final year of under-grad education. I am currently the head of IT, and am responsible for eCommerce architecture, ERP and IT Infrastructure. When I look back at what I helped the IT team achieve, I can’t help but feel proud of what the team has done this year (we saved the company nearly $1.5M by sheer negotiations and using better & cheaper options).

Nandita has continued to work as a Director in the Clinical and Technical Affairs at Coagusense, the small start-up company based in Fremont. Coagusense continues to do well, and became profitable this year (its 5th year of existence) – a huge step for it.


The travels

My business trips took me to Palm Springs, in California, Phoenix in Arizona, Indore and Hyderabad in India. I traveled to Los Angeles as well. During my Indore trip, I got to attend the annual events at Daly College, my Alma Mater, after a few decades. It was very nostalgic and brought back some great memories. I also got to meet some very close friends.

Nandita traveled to Seattle on business trips and Indore to help her brother who was ill.
  
Activities

I continued to be very active as the coordinator for the Contra Costa Chapter of Global Indian Technology Professionals (GITPRO). This year, we had 5 monthly events in our chapter that covered various topics like preparing for an interview, planning your career, Financial and Tax Management, Cloud Technology, Innovation, and Legal aspects of starting your own Venture etc. There is a lot planned for this in 2014.

Nandita and Neha continue to spend their weekends with the Shakha work and supporting the Sewa Project, where the volunteers prepare 75 lunch packages to go and feed the homeless in Berkeley’s People’s Park. Nandita also continued to be involved with her writer’s club, where the members (all ladies group) meet once a month on a Friday evening at someone’s home and read the write-ups that they have prepared. She also contributed a weekly column called Diary of NRI to Daink Bhaskar – a local newspaper published from Bhopal in India.

During my recent India trip, I got to spend a week with my mother. It was a good feeling for both of us, especially after her surgical repair of the thigh bone earlier in Jan 2013. She is doing great, by God’s grace and is able to walk about without the walker. I am hoping to be able to bring her to the US soon.

TV shows and Movies we saw

  •   Some mentionable English movies we saw – Man of Steel, Star Trek into Darkness, Thor 2, The Wolverine, Hunger Games – catching Fire, Gravity and Oblivion.
  • Hindi Movies –some Hindi movies that we saw (and recommend) – Bhaag Milkha Bhaag, Yeh Jawaani hai Diwani, OMG. 
  • TV Serials we followed –Covert Affairs, Rizzolli and Isles, Bones, NCIS, Big Bang Theory, The Mentalist, Person Of Interest, Necessary Roughness and Sherlock.

Other happenings – Sachin’s retirement from Cricket and being awarded Bharat Ratna, the highest Civilian award in India. 

Looking forward into 2014 – In the first half of the year, I have plans to travel to San Antonio in Texas, Miami in Florida, Seoul in Korea and London in UK . I am also hoping to take a cruise this year and a vacation to Australia/NewZealand as well as take my daughters for a short vacation trip to India. On my work front, I am getting ready to launch a new eShopping website that we designed and built.  Here is hoping that all these can go very smoothly, as planned. I am looking forward to meeting more of my close friends and family in 2014. Cheers!!

Tuesday, June 28, 2011

Cricket – as I played it .. part one


In my teenage years, I swore I’d never do this – say that things were better in my days. However, I often find myself back to my cricket playing days. The world of cricket has changed a lot off late. Apart from the good old 5 day test match games, and the 3 day format, and the 50 over one day format; we now have a 20 over format too – and there are so many new rules. With so many different formats of the game nowadays, there is a lot to choose from today. BTW, for my American friends, who don’t understand cricket, it is a “bit” more complicated than Baseball and it has a REAL “world cup” – where, unlike the world-series in US sports, the matches are played between the top 14 teams from various countries of the world.

My earliest memory of the game is from 1969-70, when New Zealand was touring India and was playing a match in Indore, my home town. Medical college Indore had reserved a pavilion there, and my dad took me to see the 3 day game. I remember G.R. Vishwanath scored a century in that match and everyone around me was praising his game. So, I wanted to be like Vishwanath. I admired the running between the wickets and attributed the speed to the leg guards that the batsmen wore.  Those 3 days started a flurry of cricket activities in my neighborhood, and all the kids were playing cricket (there was no TV in those days – we actually got out of the house to play outdoor games with our friends).

Now my neighborhood was a great place for a kid to grow up. It was a large complex that used to be a hotel complex until the 1940s. The owner sold the place to a Bengali family (Deys), and moved to England. The place was right next to the A.B. Road in Manoramaganj and the new owners promptly converted the place into residential homes. There were about 20 families that lived in that complex of single story homes, with asbestos roofs. It was here that I learned my tolerance for all faiths and cultures – there was a Bengali family,  a Parsi family, three Christian families, a Punjabi family, a Muslim family, a Marathi family.,  Almost all families had kids about the same age, and we all got together to play in the evenings or over the weekends. There were family get together and events were celebrated together.  Anyway, that is for another write up.

Back to 1969…after the game with New Zealand ended (read the score card here), all the boys from the neighborhood would gather outside. There was a small yard between my house and that of a neighbor, where all the boys would gather to play the games. Money was always tight in those days for everyone – and no one had the cash to buy bats or balls. So we did the next best thing – we shared and improvised. I remember the time when no one had a tennis, rubber, cork or leather ball to play cricket – so we made one. We took a near-spherical pebble, surrounded it by lot of vase (which was the term for the fiber used to clean cars in the nearby car-truck garage), and then used strips/bands made from the tube of a cycle tire. The bat would often be the “Mogri”, which was used in all houses to clean clothes.  I was enamored by the game, and started playing it with full earnest. In my free time, when others were not playing cricket, I’d play alone. The homes had sloping asbestos roofs in those days, and I’d throw the ball on the roof, stand ready to hit it when it came down and practiced my shots. Other times, I’d put a ball in a sock, and hang it from a wooden rod outside the house and knock the ball around.

My dad saw my interest in the game. He had played for his school and college teams, and probably recognized the spark first. Or perhaps it was just his desire to get me to do things that I liked. So he got me my first cricket bat – a size 4 bat for a tennis ball. I loved it. Then when I was 9 years old, he enrolled me in the summer camp of Maharaja Yeshwantrao Cricket Club (MYCC), which ran the early morning nets in the Jawaharlal Nehru Stadium. The secretary of the club, Mr. Kakirde, was the father of a friend of my father, and kept an eye on me. I’d walk down there from my house – about 1 km away - and play in the nets from 7 AM to 9.30 AM, and then walk back. Sometimes, on my way back I’d stop in the Medical College, where my dad was a professor (a Reader in those days), and have the orderly (Ram Chandra) make me some Chai with condensed milk. I loved condensed milk so much, that I’d often sneak in and eat a few spoons of it from my Dad’s office fridge. He’d get furious when the aid would tell him that they were out of condensed milk, and would scold the aid – until the aid told him “Sir, Deepu Baba was here and he …”. I think he secretly loved that I liked the same things that he did.

In the first year, my coach was Sanjay Jagdale. He was one of the star players for the state Ranji trophy team and was called as Gattu (Hindi slang for Shorty) – event though he was 6’7” in height. He saw me play the first day and made me the captain of the net. It was in one of the net practices there in MYCC, that Major M.M. Jagdale, Sanjay’s dad who was then the Secretary of the State Cricket Board mentioned that he saw a spark and talent in me – enough to see me playing Test matches for India in a few years. The only hassle was that I was about 10 years old and too young to understand what he meant. But, that remark got the attention of a few coaches and I was moved to the nets of senior guys, and started playing with people who were already playing for the district and some for the state. In those days, the district was divided into 5 zones and they would play matches against each other in the MYCC ground. At the age of 11 years, I was assigned to the North Zone and ended up becoming one of their good bowlers.  In that year I made several friends here – guys like Narendra Bagtheria, Manzur Hassan, Bhagwan Das – all of whom played for the MP State Cricket team, and then guys like Amardeep Pathania, Sunil Asawa, Kamaljeet Anand, Raju Patel, Rajesh Khujneri, Salil & Nikhil Saxena, Ashish and Raja Raje -- to name a few.

Around this time, I was in the seventh grade and in the senior school in Daly College. We used to have regular sports on a daily basis and in the cricket season, we groups would play games by dividing the team. One of the first games I remember is with Mr.Arun Lahari as our staff monitor and guys like Pawan Kasliwal, Ravndra Sigh Dhillon and others playing with me.  As is the case in most schools, Daly College also had a nickname for every teacher. Mr. Lahri was called as “Bum”, probably because of the song that went “Bum ba-bum bum, bum Lahri….”… and Pawan would often speak out the nick name loudly on the field – something that Mr. Lahri would hear outside and pretend to get upset. Now that I think of it, I smile at the fun – but back then, it was scary. Anyway, some of the staff members noticed my game and that same year, I was asked to represent my House Cricket team. I remember that in the very first match, Ankur Sarkar and I scored a lot of runs (I think I got a fifty) and helped the team win. Mr. G.L Verma, the house master of Jawahar house, was thrilled. The next year, when I was in my 8th grade, I was asked to lead my house team. We won the tournament. I was applauded for my leadership, my field placement, my bowling and my batting (I think I scored well in almost all the games). Mr. Verma, called me out in the House meeting and praised me.

In the summer vacation of my 7th grade, MYCC selected me to be coached by Mr. P.k. Dharmalingam. Prior to that it was mostly my natural game, with some bits of training advice thrown in or what I learned by watching senior players. Dharmalingam actually taught us the basics of cricket – and he liked what he saw in my game.  I learned a lot from him, and Sanjay Jagdale.

In the 8th grade, I was appointed captain of the MYCC team to play against the Malhar Ashram cricket team.  It was a good experience and I learned a lot. That same year, I approached Mr. Salim Khan, the senior master and sports in-charge in Daiy College to set up a match against St. Paul’s. A few of my cousins studied there – and after a bit of convincing, I was allowed to approach St. Paul’s for a game. I rode my cycle to that school, and talked to Mrs. Noronha – this was something that had never been done and so, she was equally surprised. But finally, I was allowed to set up a game against the 8th grade of St. Paul’s. The teams met for a friendly game on the Bolia Ground of Daly College, and it was a good game. DC won the match, but more importantly, it had given me a good exposure.

In my 9th grade, I was selected to represent my School Cricket team. Sandeep Parekh was the captain. Daly College is one of the Premier Public Schools in India, modeled on the British System. They used to play Triangular Matches with two other public schools- Mayo College of Ajmer, and Scindia School of Gwalior. The way it worked was – There were three major sports – Field Hockey, Cricket and Soccer. Each school would host one sport in its season.  That year, Daly College hosted the Cricket teams. I wasn’t sure if I’d make it into the first eleven – and was pleasantly surprised that I was chosen.  I still remember the very first ball of that match that was bowled – I was fielding at third man, and the ball flew to me after first bounce. Yadav, the wicket keeper of Mayo was the batsman and went on to score a fifty. I remember the Mayo players very well – Sandu, Yadav and a young guy by the last name of Giri (later I found out that he was the grandson of the former president of India, V.V. Giri). Anyway, the Mayo team was shot out for 184 runs, I took two wickets (Uday Katoch and Buddhiraja), but we lost the game and the Triangulars as we lost the next game to Scindia too. Sandu was the Mayo College Captain and Vivek Singh was the Scindia School Captain. 

In that summer, I was back with Dharmalingam, who was then the national coach.  I learned a lot that year in an indoor camp. I was also being coached by Vasu Gangwani, who was one of the umpires in the Triangular games. He recognized me on the very first day in the nets and made me the captain of the Nets. When the school cricket season started, I was full of confidence. The school team remained the same as the previous year, as we added a new class for the 12th class. Kinjal Zaveri was the captain. Unfortunately, the team tried to experiment with my position in the batting order – and in one of the earlier games, I was asked to open against a team that had a bowler Manish Sharma, who was also the opening bowler for the State team. Well, that match cost me my confidence, especially after some of my team mates said a few nasty things to me too. Some people felt that my training in MYCC was costing me my game. I felt really low. Then one day, after school, I was talking to Mr. Dharmalingam and he offered to come to Dc and train the guys for a day. Well – it was accepted by Mr. Jagtap and Mr. Salim Khan  and I think the team had a good session with him. That year, I did not play in the Triangulars, which were in Mayo College, Ajmer – I was the 12th man and we lost to Mayo but won against Scindia. Sandeep Parekh played a remarkable innings against Scindia School. I got some of my confidence back later in the year when we played a friendly game and I scored some much needed runs. One of the memorable games was the inter-house matches between Jawahar and Ashok house – where I took the catch to dismiss Rajib Nadkarni, and helped in tying the game. Jawahar house became the overall house champion that year.

That year in the summers, I was selected to play for the state school team. We traveled to Jaipur to play there. The team captain was Amardeep Pathania and we had folks like Kailash Gupta, Vivek Singh (who was the Scindia School Captain) and Shabbir Ali. We played against UP schools team, which had 4 state level players. I was very impressed with the UP team when I found out that that several players in that team were actually part of the Sports College. Their main job was to be good in the game. They had a player (also a Bhatnagar), who could bowl the “Doosra” – at that time, no one had coined the word Doosra in cricket. On the second day, there was talk that Raj Singh Dungarpur, the National Selector was on the ground. He was from the State of Rajasthan, and was also an Alumnus of my school. UP had piled up a huge score the first day. Their captain and star player Syed Naqvi had scored a century and was still batting. My captain asked me to bowl the first over that day. In my first two overs, fielders like Kailash Gupta and Shabbir dropped catches that were skiers. When the same thing happened in my third over, I heard a shout of “well bowled Bhatnagar” from the Pavilion. I just saw a tall, well-dressed man standing and clapping. He was wearing a dark tie and had a few guys standing with him. Later in the lunch break, the same gentleman came over to meet the players and I was surprised to see my team’s manager running around playing Mr. Goodie all with him. He stopped near me and told me that I was bowling very well and was unlucky not get those guys out. Then he introduced himself as Raj Singh Dungarpur and said he was glad to see someone from his Alma Mater playing for the State Schools. Anyway, I bowled nearly 25 overs and we ended up losing the game to UP – by an innings and a few runs. But, I was glad to have met Raj Singh and his words of encouragement helped me immensely. We met several times after that, and he would always stop by and say hello. Thorough gentleman and a great man!

When my school season started, my coach Mr. Jagtap was happy that I had played for the state schools team, but wasn’t happy that I didn’t get the runs. He wanted me to be a successful batsman too. That year, I was in the 11th grade. Yogesh Garg became the captain of the school team. We had a new principal in the form of Mr. H.L. Dutta – who had come from Hyderabad Public School. He invited the Hyderabad Public School Team to visit us and play matches with us. We had the Hockey, Cricket, Basketball and Soccer teams visit us in early Aug. Aug was the time when we have Monsoons in India. It is not your average run-of-the-mill rainfall. The cricket ground was a mess and the pitch a dangerous one – totally underprepared.  The ball was flying all over the place. I bowled 15 overs and got 6 wickets for 29 runs. The HPS team was shot out for 150 runs and we thought we had a good chance. Well, we had a very tough time batting on that pitch. DC team was shot out for a paltry 29 runs, with only I scoring 11 runs. It was an embarrassing match – so much so that my friend Khaikalian wrote about it in my autograph book, just to rub it in.

Over the next few months, I established myself as a good all-rounder.  I was playing as the #4 batsman (batting 2 down) and was able to score in 40s and 50s in nearly every game. My confidence was back and I was taking wickets too. We participated in the first ever inter-school tournament in Indore and won that tournament. Just before the final game of that tournament, I remember biking alongside my friend, Yasmin, who was walking to her dance class – and getting stung by bees which were flying around. The funny thing was that not a single Bee stung Yasmin even once, while when I finally reached home, there were bees inside my shirt and I had a lot of stings in my back. I played the game with a lot of anti-histamines in my body. The Triangular that year was in Scindia School, Gwalior. The team was relying on me. Just before we left for Gwalior, we played a practice game against the Indore Colts, which was led by Pathania and had a few Ranji level state players. During that game, I was hit by a superfast delivery by Niranjan Shirke. To make matters worse, I was declared out LBW. Never to argue a call, I walked. It was my lowest score until then in the matches. We lost that game. The team was a bit shaken up. We left for Gwalior 2 days after that match, by bus on a rainy night, working our way through the traffic jam on AB Road, reaching Gwalior about 6 hours later than expected. We were all tired. We were set up to play the next day against Scinidhia School. Until then, we had been choosing the balls made by BDM, but for some reason we ended up choosing balls made by Recorder, which was what was used at the Test Match level, back then. We realized the difference during the game – the seam was different and our bowlers found it difficult to control the pitching. Our throws were perfect, but our fielding was poor – especially in the outfield, which was very rough. We gave a lot of overthrows too, because the ground was smaller. We lost both the games against Mayo and Scindia and were ridiculed. I still remember Mr. Dhir, the coach of Scinidhia School, making fun of Mr. Jagtap – telling him that he had only taught his players how to throw back to the wicket keeper. Poor Mr. Jagtap – he was smiling but I could see that he was very upset too. I made a silent promise to myself that I’d do my best to reverse this trend of losing games. 
 
A few weeks later, we had a practice game against Tata Leather Company. Yogesh Garg, our captain was injured and Rajib Goswami was asked to step up as captain. He was the other pace bowler. However, it was I who managed all field placements and bowling changes. Mr. Jagtap who was the umpire for the game, was very impressed with my control over the game. One of the Old Dalian (that is the term used for Alumni of Daly College) Narendra Singh Bidwal, who was also the captain of the Old Dalian’s team, watched the match from the pavilion. After the game, he gave me one of the best advices I have ever received – he told me to always look for strengths and weaknesses in the players. As a captain, it was my job to recognize the strengths or weaknesses and use them to my team’s benefit. It is something that I have never forgotten and still use it for my team’s benefit.

In the official match against the Old Dalians, I was the Vice Captain officially, while Rajib went out to toss. However, he told me to manage all the things on the field. The Old Dalian team had some star players of yesteryears, including 7 previous captains. We lost the toss and were asked to field first, much to my delight. I knew that the Old Dalian team had senior players who would find it difficult to field after lunch. Anyway, we got them out for 178 runs, with Sachindra Vyas and I doing most of the bowling and Vyas taking 5 wickets. I still remember catching Sandeep Parekh out in deep mid-wicket, and then taking the wicket of Diliip Singh of Banswara – getting him caught in the slips by Yuvraj Singh (Mr. Jagtap had jumped up with glee when Dilip was out, as he could be a match turner with his heavy hitting). We were thrilled with our show, but knew that the ODA bowling attack was very strong too. Vinod Narang and Kinjal opened the bowling for them and had 2 wickets in the first two overs. Sunil Gupta was bowled off a slow full toss to Vinod Narang, when he thought that Vinod was bowling him a beamer (I still rib him about that). I walked to the field, as I had most of that year, within the first three overs after having lost 2 quick wickets; I thought to myself that this was it. I was facing players that I had grown up admiring and I had a do my best to win. We lost one more wicket soon when Prakash Menon joined me. To make a long story short, we won the match by 7 wickets. I scored 98 runs and Prakash scored 49 runs - both of remaining unbeaten. I was tired but thrilled. We had won that trophy after nearly 9 years – with the present boys winning it last when Vinod Narang was the captain. Mr. Salim Khan and Mr. Jagtap were thrilled –they came to the dressing room and hugged me. Mr. Khan told me that it was one of the finest knocks he had seen in a long time – that was the highlight of my career, and a remark that I cherish forever. The ODA team members came over and congratulated me. The next day, I was awarded the school colors in the morning assembly.

In the summer vacations of the 11th grade, I gathered a few friends like Prakash, Sunil, Deepak, Yuvraj and started practicing in the nets at School. I decided against playing in interstate school tournament – against the wishes of the state team’s manager. My reasoning was that 12th grade was my senior year and I had to perform well in my studies, which had suffered off late due to my passion for cricket – my grades were just sufficient for me to pass the exams, whereas until the 10th  grade, I was considered as one of the bright students in my class. So I went to my Math teacher Mr. Hashmi, to take some private classes to help me finish the Calculus and Trigonometry portion of the 12th grade ahead of schedule. He was kind enough to oblige and I spent a couple of hours daily with him, trying to complete the course. It really helped me in the 12th. Had I played for the state schools that year, I’d have been made the captain of the state team – but it would have taken a lot of time from me. Instead, Prakash went to the state school team that year.

The Cricket Triangular in my senior year was in my school. It was also my 4th year in the school team and I was appointed the captain. I started the practice for the team with lot of rigorous training - -and a lot of emphasis on getting fit. In the rainy season, we’d run around the school campus on the tar roads, Practice bowling on the roads, practice our throws, and play indoor cricket. Of the 17 players that made the team, nearly 14 were day boarders. We played a lot of matches on Sundays – against local colleges, and clubs. I think in all, we played about 25 matches that season, and I scored over 1200 runs and took close to 90 wickets. Before the draw for the Triangular matches, I was asked if I had a preference to play on the first day and take a rest day before the final game. I declined and instead asked to play the last two days. Mr Salim Khan was surprised and asked me if I was sure – I was. My reasoning was that it would give me a chance to see both the opposing teams play at their best, and look for their strengths and weaknesses. The week before the tournament, Mr Jagtap and I sat down with the final 17 players and gave them some pep talk. I was surprised when he put me in front of the team and asked them if they had anything against me or wanted to play under a different captain or wanted me to do something different. Only Prakash said that he’d like me to control my temper on the field – and I realized that I’d been getting upset with the payers when they weren't performing at their peak. I made a promise to them that I’d not lose my cool on the field ever after that. I think that feedback from Prakash has really helped me in my life and I have attempted to keep my cool whenever things have started going wrong. Ever since, I always step back when things haven’t gone right, and try looking at the bigger picture.

I went to receive the teams as they came over the weekend. Sunil and I rode on his dad’s  Lambretta. I still remember Mr. Salim Khan stopping us and telling us not to ride the scooter. I spent hours and hours going over my plans of making field arrangements and bowling changes. On the first day of the Triangular match, Mayo played against Scindia. I sat with most of players near the sight screen, taking notes and observing every move of the batsmen and bowlers. I actually prepared notes on their strengths and weaknesses. Mayo won against Scindia -- one of their players, Martand, scored a fifty and in typical Mayo style, showed off his exuberance by throwing his gloves in the air. DC was up the next day, against Scindhia school. I only remember that match vaguely - just that we got them out very early and then after a rough start, we went through and won the game with ease. I actually experimented with my bowling attack, even giving Deepak and Sunil a couple of overs to bowl. In the end, I got 3 wickets, Rodney got a couple and Sachindra Vyas was also successful. On the batting side, I was lucky to get some runs, and it gave me some confidence.

We were playing Mayo College in the last match. I spent a sleepless night, tossing and turning – this was what I had prepared for all of the past twelve months. Mayo team was very confident, even though one of their star spinners, Mir,  had to leave to take some exam.  Giri was now their captain, and we had played 4 Triangular against each other. He was a really cocky guy, but I guess that is how all the Mayurians (as the students in Mayo College are/were called) were trained to be. We went out to toss, and before I could take out my coin, he took out a ten paise coin and asked me what I wanted. Now, I had enough experience with a ten paise coin to realize that 75% of the times, it would land as a tail for some weird reason (you may not believe that – but I used to keep flipping one while sitting in my chair) – so I called tail. And, it landed as I called. I took off my cap, and moved my fingers through my hair to signal to my team that I won the toss – and a cheer went through the pavilion. I was amused that people had already learned my signals by then. Sunil and Pradeep ran down to get ready to open, as they knew that I’d opt to bat first. I told Giri that I’d let him know in a few minutes what I’d decide and he seemed rattled. We exchanged the list of first Eleven players. The Umpires were Narendra Bagtheria (who was a top notch left arm spinner in the country and bowled for my State team) and Uday Singh.
As we started the game, the pavilion was filled to capacity with present Dalians, Old Dalians, Staff Members and support staff. Some of the teams that had helped us prepare by playing friendly games, also came to watch the match. As was the norm, we lost Pradeep in the first over and then Yuvraj in the second over to Raja. As I walked out, a very loud cheer went up in the crowd – but I felt nervous. The Mayo players crowded around me and cheered their bowler, Raja. The Very first ball I played was a bouncer, which rose to my chest from good length, and I played it defensively to the covers. Sunil walked to me from the other end and we talked as the field changed. I told him that I’d support him as I got settled in. However, it took me only 3 more deliveries, before I got into run. Before I realized, I was in my 40s and striking the ball well. The Mayo field was scattered and they were looking anxious. At one point, the umpire asked their captain, Giri, to stop wasting time on the field and he complained to me. I had to tell him to relax and get on with the game. Giri, their captain, brought himself on to bowl, and with a packed leg side field, started bowling round the wicket to me. Many of the deliveries would have been called wide by a big margin in today’s cricket, but back then, they were considered valid. Anyway, I remember going for a shot and missing the shot. There was a loud nick, and the ball landed in the keeper’s gloves. I walked even before the umpire said anything – with my score at 48. Sunil on the other end was playing on 15 odd runs, and I told him to take control. As I walked, Giri was heard telling his player that he had been trying to bowl that delivery for a long time - -and I couldn’t help but get upset with myself for not connecting that shot, which deserved to be hit for a four, if not a six. Prakash walked out and I stopped to chat with him – telling him to focus and play the innings of his life. Mr. Salim Khan came down to the dressing room and was furious with me for throwing away my wicket.  He point blank told me that I’d be to blame if we lost the game, for playing that reckless shot. Fortunately, both Sunil and Prakash played well and scores into their 40s. DC team was all out for 170 runs – not a large score, but it was something we could try to defend. 

We started our bowling after a light lunch (I refused to let my players eat a lot –which upset Rodney, who was getting ready to tear into the delicacies that were served), with Kacholia starting from the Junior School end. He was fast, but tended to be erratic – and I wanted to let the Mayo batsmen feel just a bit over confident thinking he was our main bowler. His very first ball was a very short delivery, which surprised the opening batsman, Karul, who managed to hit it towards midwicket. I ran from Mid On to field it – I saved a boundary, but it yielded a couple of runs. The next one was hit directly to me with great force, but I managed to stop it. Rodney started the bowling from the other end, and got us the breakthrough in his 4th over by getting Raja out. Since each bowler was only allowed to bowl nine overs each, I told him that the next over would be his last, even if he got another wicket. I continued with Kacholia from the other side right upto his 7th over. I brought myself to bowl from the Staff Quarters end, replacing Rodney. I can still hear the cheer from the crowd. Vijay Agar was sitting with the scorers, and his job was to tell me after each over how many overs that bowler had bowled. I got Karul out leg before on my third delivery. The crowd was ecstatic. Martand (Or Marty) was the next guy to walk in – I had seen him play against Scindia and he had scored a fifty. However, I had also seen that he had a weakness - when he hit the ball towards covers, it would be an uppish stroke and there a good chance to get him caught with some intelligent field placement. I placed Sunil at covers and moved Pradeep in deep Extra cover. Kacholia was replaced in the bowling attack by Sachindra Vyas. I directed Vyas to keep the attack on the offside, and bowl fuller. And Marty took the bait – however, he hit the first two deliveries towards the boundary. It didn’t help that Sunil was slow to react, as the ball raised past him. Kacholia and Prakash came to me and suggested that I put Kacholia in place of Sunil – it was a good suggestion and I followed the advice. Kacholia’s strength was that he was an ace sprinter and had great reflexes. And he caught the very next shot from Martand – just inches from the ground. We were all thrilled, shocked and ecstatic – our ploy had worked. I told the team not to relax and stay on the alert. We were still away from victory. Giri walked out to bat and I asked the team to make sure that we got him out too. My next over was the game changer. Giri was on the non-striker’s end. I bowled to the batsman, who was obviously a junior guy, as he was in awe of Giri. The batsman missed the ball, and it landed in Prakash’s hands. Prakash missed catching it, and the ball fell behind him. Giri thought the ball had gone way behind him, called for a run and ran towards the other end. For a second I thought Prakash was shocked that someone would do that – and as I shouted for him to throw the ball, he picked it up and broke the wickets on the striker’s end. Giri was out – and he walked dejected to the pavilion, cursing himself loudly. When he reached the pavilion, he threw the bat into his team and cursed loudly – drawing an immediate reprimand from Mr. Salim Khan. In my very next over, I ran out another batsman when Matkar threw the ball towards me from square leg – he was placed to field there, as he was a left hander and I thought it would be easier for him to throw balls coming on his left side. We were on a roll – I took 1 wicket, Sachindra took 3 wickets and Anmol took 3 wickets. We got Mayo out under 90 runs, and we won the match. I still remember Kacholia running towards me shouting “Bhattu we did it” and I just stayed calm, smiling ear to ear, but calm. Even back then, I believed in showing less emotions when losing, and even lesser emotions when winning. We all hugged each other, and the team wanted me to lead back. We instead agreed to walk back in one file – with our hands on each other’s shoulders. There were fireworks all around – the support staff was going nuts. We got a standing ovation – and there were celebrations for several days after that. My Principal, Mr. Dutta, came and patted my back as did Mr. Salim Khan. Only my coach, Mr. Jagtap was missing – he had been sitting for the past 3 hours under the score board, watching our every move and guiding us – now he had gone home. I am positive that he had become too emotional to face us. We got to see a different side of him later that night, when the team was invited for an impromptu dinner at the principal’s house. Several of the present boys and girls came over to congratulate me and the team. It was easily one of the best moments of my life – as I wrote to my dad, who was posted in Gwalior then. We had won after nearly 10 years – and it was an awesome feeling. The celebrations lasted for a few months -- Principal's dinners. I treated the team to a grand dinner party at Apsara and a lot more...

We lost the match against the old Dalians that year – I was upset, because I was expecting to win. Pawan Sharma was the only batsman to score 22 runs in that game. It was just a bad performance from us – and as Narendra Baghteria, who was the umpire in the game, explained that it was difficult to get the same peak performance which we showed in the Triangular that year. I won the second College Colors that year and also the best batsman award for the second year running. Jawahar house won the Inter House Cricket matches again -- and as per the tradition that allowed a junior (with a high probability to become the school captain next year) to lead, I asked Prakash to lead the Jawahar House team against Ashok House and Sunil to lead against Vikram House. Matkar was allowed to lead in the final game against Rajendra. I also played one last match that year against a group of Old Dalians and remember coaching Paul Barua on how to bowl with less speed and more accuracy -- he was a good fast bowler, but lacked the accuracy.
Overall - it was a very satisfying year -- something I remember so well even today.

Saturday, November 07, 2009

Water Harvesting in Indore

The recent spate of floods in India has become a cause for concern for many in the stricken areas. While there are floods in some parts of the country, there are any parts that are facing acute water shortage.

I remember when I was a kid, there was a lot of rainfall (average was 44 inches per annum) and there was never a shortage of water. We would run in the monsoon rains and play. We’d make little paper boats (I got my grandmother to make me some) and watch them float into the flowing water. It was fun activity for all the kids in the neighborhood. I still have photographs that show that the water level in the Khan river was right up to the road level near Navlakha and that lakes like Pipliyapala, Bilawali and Sirpur, were full. So what has gone wrong now, that we are facing such water shortage issues. My personal opinion is that we have ruined the water supply supply system ourselves by the lack of planning and our greed to build and usurp land. Here is why:

About 40 years ago, I remember that the roads in Indore had little “Naalis” on the side. These were like the tiny drains on the side of the roads to drain the access water. These then dumped the water into the creeks (called Naalas) flowing in the city, which eventually met the Khan river or were emptied into the city lakes. Since there was a lot of open land, water would seep into the ground and replenish the underground water. And there were hundreds of thousands of trees, mainly in the catchment areas.

Now we have done away with the Naalis by the roads. The creeks are filled with dirt or are covered by land usurpers and homes have been built on those. Basically, we have cut the capillaries and arteries of the supply system. There are fewer open land slots. As a result, all the rain water is wasted. And of course, there are no trees left in the entire city -- let alone in the catchment areas. Can you imagine, even this year Indore received about 35 inches of rain and there is a short supply? Compare that with places in California or even the village of Anna Hazare, which only get about 7 inches of rain in the entire year, but is totally self sufficient in terms of water.

In California, there is a lot of greenery in the suburbs. The reason is that the government has mandated grey water be harvested and used for watering the grass and plants in the local gardens. Drains collect the rain water from roof tops and from the sides of the road and this is then sent to local creeks. Basically, water is harvested. Anna Hazare has done the same thing in his tiny village in Maharashtra.

It is still not too late. We can recover from this mess that we have created ourselves. All it needs is some collective will power and good leadership.

Thursday, August 27, 2009

Shivangi -- grown up and in college





This one is something that was started by my wife, Nandita, and I have added a few lines.


My elder daughter, Shivangi, started college this week.


It has made me realize how time flies. It makes me realize how limited that duration is, when we have our children to ourselves. Soon all we're left with is all those mental vignettes and snapshots of events...I feel proud to see her blossoming into a confident young woman. Of course there will be celebrations of achievements and culminations of years of hard work - but, I'd always think of her as my little daughter.


I remember the day she was born, about eighteen years ago. We were all crowded around the doors of the Operation Room in Greater Kailash Nursing Home in Indore. After a long night of pains, my wife and I finally came to the hospital. Dr. Ahilya Mukherji was the doctor and Nandita's childhood friend, Anjali, was the assistant. After several hours of wait, they finally decided to take her in the OR to do a C-section, as the baby was getting under stress. I remember the way my father-in-law sat in a corner in the room and prayed, my dad talked to other doctors in the hospital and I paced around the floor outside the OR. At about 7.20 PM, Anjali came out and announced that every thing was ok and we had a baby girl. My first question was about my wife's health and then I went in to see my wife and my baby. There she was -- all wrapped in a bundle, quiet and sleeping. I picked her up gently and clumsily and gently kissed her forehead.


I remember the anxiety when on the third day, I came to the hospital to find her with tubes and under UV light. But it was a minor hiccup. We brought her home soon and things became a blur of activities. As my wife and I had decided, the first child was to be named with the letter S and we chose the name Shivangi - after the name of Lord Shiva, based on a dream I had had (that is a write up for another blog). Shivangi soon became the hub of all activity. She demanded attention and wouldn't let me talk to anyone if she was in the room -- whether she was eating, or drinking milk from her bottle. She'd make this weird grunting noises when I started to say something to anyone else in the room. I also can't forget the countless nights I spent walking in my room with her in my arms, in the middle of the night, so that she could get some sleep. She was adored by one and all -- and was the apple of my dad's eyes. I could sense the attachment in both their eyes when they spent the time together -- so much so that for a long time, Shivangi claimed him as only her grand-dad and Neha, my younger daughter, called him as Didi's (elder sister) grand dad.


She was smart, sensitive and perceptive even as a baby. I clearly remember her first day at the informal pre-school/Day Care behind my house, where she was the only child who was crying when it was time to come home. Then she started a formal pre-school by the name of Mini Land and once again, she frolicked in without a backward glance at us. Her eagerness to go to school persisted next year when she went to Mini Heights where she continued to amaze us with her brilliance. I also remember, that she went to give her interview for the elite private school for Kindergarten. I was so apprehensive when they took her away in a different room, but she just skipped in to match the teacher's step. When they had finished testing her reading/writing and recognition skills and it was time for her to leave, she was adamant that she had not tried all the stations they had set up. We were told that we could just pay the fees at the office and not wait for the final selection list to be posted.


I believe her endearing nature made her the teacher’s pet. She excelled at everything, sports, arts, singing, studies and making friends. I also remember the time we were called by one of her teachers and told that we should not teach her ahead as she gets bored and sits staring out of the window, chair turned back to the blackboard. When we were skeptical of what she could do, the teacher asked Shivangi to write on the blackboard and she promptly did that , explaining as she did that this was so simple. The day that she boarded the school bus for the first time, is still clearly embedded in my memory. My wife stood there, visibly upset, but Shivangi was beaming as the bus conductor took her in and, by the return trip, had made friends with the driver and was already commanding the seat closest to him. She was super excited as she told us about her fantabulous day, and never once said that she missed home. She loved to go to school so much so that one day she ran out incompletely dressed and actually went to school like that.


I remember the time she visited the hospital when Neha was born -- all of 15 months old. She was awfully quiet when she walked in the room. She just sat near Nandita, looking at her and then the new baby. But she quickly adapted, and when we brought Neha home, Shivangi would often push Neha's stroller when we went for walks. They have grown up together into great friends, talking care of each other and ready to support each other. Shivangi always showed deep affection for her younger sister, she never showed any sibling jealousy and willing shared most everything. Her academic life has followed the same high achievement trajectory laced liberally with arts, music , sports and friends. Though, she has given up formal piano lessons, but I still hear her play. She has given up tennis lessons but luckily has been selected to play in her College Tennis Team. She has given up art as a subject, but just last week, she spent a long time in making an oil painting that she gifted to her piano teacher. She is now driving herself, compared to the previous modes of walking holding my hand, walking by herself, auto rikshaw, school bus, and sitting in my car. I will no longer see her waiting to be picked up by me, rather she will get out from her car and stride confidently in.


The last 4 years were devoted towards reaching this goal and now that it is here, I have several feeling. There is however, no feeling of loss, 'cause I have not lost anything. I feel thrilled to see her just the way I had dreamed her to have grown, and yet I know that this is just a beginning of a new journey. It is just end of one chapter for now. There is more to come....

Monday, June 01, 2009

Some advice to kids (and anyone else willing to listen)

My daughter, Shivangi, goes into her college as a freshman later this year. As most parents, I worry about the expenses. As a responsible Dad, I’d like her to be able to stay on the right track from all perspectives – character, health, finance and you name it. So, I thought it would be appropriate if I could jot down a few of my experiences and guidelines for her financial safety.

People make stupid decisions all the time. Some mess up in their retirement accounts, while some take out mortgages they think they can afford, without understanding the full implications. I would like to try and prevent my kids from having a knee jerk response to any issues that come. It is always about planning, planning and more planning for me.
Today’s blog is more about making money – big or small -- and hanging onto it. I learned that doing this comes from combined effects of several factors: education, talent, upbringing, luck, and avoiding scrupulous advisors. It also gives some generic advice based on experience in my life. Few things to remember:
  1. We can’t control everything
  2. We can only set goals based on what we value most
  3. Make plans and take concrete steps to achieve the goals
  4. Live within our means
  5. Try to manage risk
  6. Avoid the bad guys

Of course there are always unknowns that get thrown in the mix. Government policies can change, there could be an environment disaster, stupid and greedy CEOs in Wall Street may wreak havoc on the economy. It is like staying sober, but still getting hit by a crazy drunk driver on an empty freeway.
So, here is sharing some advice and experiences with my darling daughters, Shivangi and Niharika – and many other kids all over the world --- as they prepare to step into adulthood and get ready to face the world. Here are some of the habits (some inborn and some forced) and practices that have helped me in my past two decades.
  • 1. Whatever you do, give it your best

It was 1980 and my friends and I were playing cricket on the terrace of Adit’s (a friend) house in Indore (my home town in India). The game was adapted to suit the small perimeter – so things like if the ball hits the side, the batsman scored 2 runs; if it went past the bowler and hit the wall, he got 4 runs; and if the fielder caught it directly or after one bounce, the batsman was out. So, one of my friends hit the ball and I threw myself on the cemented surface to catch the ball. In the process, I ended up getting a little bruised. Someone said that I didn’t need to do play so seriously – but I disagreed. I have always believed in giving my best to the thing on my hand. I have made it a habit to try one more time before I say I can’t. This helped me win difficult matches when I played cricket, and when I designed circuits or applications for my clients. If you really try your best, you won’t have the regrets that you didn’t succeed because of lack of efforts.
  • Keep evolving – pick your own skills
After I graduated my high school from Daly College, Indore – I was at cross roads. My high school coaches wanted me to go to Bombay and play cricket there. They felt I had the potential to make it big. My dad wasn’t keen that I leave Indore – so make a long story short, I joined Holkar Science College as a Second year student with Botany, chemistry and Zoology as my subjects. It was a drastic change from Daly College. I did my bachelors (B.Sc) from Holkar Science College in 2 years. Next I did my masters in Organic Chemistry for 2 years - -and then realizing that it was not really what I wanted to do, I decided to switch to Engineering. I joined and completed my Bachelors in Electronics Engineering in 1989 from Pune University. That was a course I really enjoyed and made some very good friends.
My first job was with a small Instrumentation company. I had interviewed at 5 companies and was selected to join all of them. I decided to join Nivo Controls – A Toshniwal Brothers Company, thinking that this will help me learn all aspects of a company. And it did – I enjoyed my 3 years in that company. I managed the development of a Magnetic Flow meter and worked on various circuits. I realized that I had a flair for circuits and reverse engineering. And I had a great memory for circuits that I saw. I also realized that if I had to move up in my career, I had to do a Masters in Business Administration. So I appeared in the entrance exam and was selected to join the IMS in Indore. This was in 1991 and I completed my course in 1994.

In 1992, I decided to start my own business. I took up maintenance contracts of machines and controls for various industries. My first contract was at a friend’s company, which offered me Rs1500/- per month. I eventually added development of customized machines and controllers for them. The company grew from Rs.18000/- per annum in 1989 to about Rs.38, 00,000 in 1999. We were doing job work, manufacturing equipment and machines and a lot more. I consulted for several major lamp filament manufacturers in India, and the Crompton Greaves Phones and IFB microwaves had their electronics PCBs assembled in my shop floor! I was also exporting some controllers. I made things like temperature controllers, Stepper motor drives, power supplies, CFL ballasts, Power conditioners, and a lot more!

And then, in late 1998, I decided to switch lanes and get into software too. So I took courses in Java and other languages. I built websites for companies and also developed software for a community bank. In 1999, I decided to move to the US and joined a company in California. It was a big move, but I decided to go for it, in order to give my daughters a better shot at life. I had to start from scratch, at the bottom of the rug, and reprove myself – and I’d like to think that I have done a fairly good job at it; good enough to now direct and own a team of my own. In 2005, I did my Project Management Professional Certificate from UC Berkeley and learned that I love analyzing human behavior and team dynamics. But, I am still evolving and quite sure that I will soon join another class to learn something new.
Trust me – it will help you stay ahead of the curve. Learn a new language, a new hobby, perfect your current knowledge – whatever … keep doing something every two years or so. Work exceedingly hard, and enjoy harder. Be aware of your competition and realize that your competition is global and you are entirely dispensable. So invest your time and money in developing your distinct abilities and a network that goes with you from job to job.
  • Plan A, plan B, plan C
Always plan your moves – have a plan A and a Plan B and sometimes a plan C. Remember that Murphy’s law often kicks in – when you think something is all set, things will start hitting the roof. It never hurts to be prepared for the worst and hope for the best. I am a firm believer in under-committing and delivering more.
  • Define rich
I highly recommend that you list a few things that are of utmost importance to you. This list should include quantifiable and non-quantifiable items. I would include items like strong and true friendships, health, freedom, or a home or a Mercedes. Set your priorities and put a dollar figure on them. Build a plan that will give you a view of your tomorrow – immediate, 5-year view and a 10-year view. This will help you plan your next moves.

I have always felt that my priorities are getting my kids a good education, staying healthy and ensuring that my kids stay focused on their goals. I bought my first car in US in 3 months and my first house in 3 years. For me the car is just a means of going from point A to point B. Though I have admired expensive cars -and if I could afford to, I’d buy them - I don’t believe in blocking my money in these items. Remember that the car loses its money as soon as it leaves the Dealer’s shop. A house on the other hand, often appreciates. When you decide to buy a house, I’d suggest buying even a small house in an area with good schools and zero crime rates. Its price will almost always go up in the longer run.

  • Mind your credit
Pay credit cards on time and in full every month. If you already carry a revolving balance, get rid of it as quickly as possible, even if it requires living at home (or sharing a dorm) for a period of time.
Don’t borrow more than what you can repay. Understand how the banks operate. They make money off you and you need to figure out how to use their money. They will love to entrap you into their credit schemes. You will get a momentary high, and then you will get so dependent that you will need a cold turkey treatment to get out of the debt trap. Learn to say No – keep minimum numbers of credit cards and you will find that you have a good credit score.
Once you understand the mechanics of the credit system and ratings, and are able to get a good credit rating, maintain it ------ and it will speed you in style to your destination. If you let your guard down, it will damage your ability to get a job, rent an apartment, or borrow money to buy a car or a home or for your kids’ education.
  • Take good care of your health
Exercise regularly, eat a balanced diet, and don’t smoke. Avoid alcohol, if you can and definitely avoid it, if you are drinking more than once or twice a week. Get yourself into simple things like Yoga or just walking 30-45 minutes per day.
I took yoga as a subject in my school days and practiced all the asanas and poses that I had learned. Then life got busy and I rarely got a chance to do it. During my 2005 trip to India, I had a slightly high blood pressure so my family doctor suggested that I start some yoga exercises. I did and loved getting back into it. It is very relaxing and helps me immensely. I try to go for a daily walk of at least 45 -60 minutes. If you have a family history (like I do) of diabetes and blood pressure, exercise is best bet.

After you turn 30, get regular check ups. Build a relationship with your physician and nurses. Get to know them and help them get to know you.

  • Manage your own money
Learn about options, bonds and stocks. There is a lot to read about these on the web. Understand simple mathematics of interest and Principal. Remember that banks compound interest on your savings. Understand how to minimize tax impacts on your earnings.
My simple rule of thumb is – save at least 10% of whatever you make for your rainy day. Always have at least 6 months of savings, based on your current expenses, as your buffer. Anything more than that can be used for whatever you want to splurge on.

Go for 401k investments in your company, even if the company does not contribute. Try and save 15 percent of your income, from the time you start working, in your 401K and you should be fine when you retire. Spread the allocations and update your allocations frequently based on how the market is doing. Diversify your risk by buying very low-cost index funds or exchange-traded funds. Look carefully at the charges and fees for investing. If you don’t have the 401K options, look towards Roth IRA, where you pay the taxes now, when you are in a lower income bracket, and take the money out tax-free later.


Have at least one account with a good Credit Union, for your day-to-day finances. They pay a higher interest and cheaper loans. Also, consider saving with online banks – like ING. And always check for FDIC insurance of your banks.

  • Build a Network
My dad always said – the only real wealth one accumulates in the world is friendship. I have come to realize that is very true. The good thing about friends is that you choose them, unlike with relatives. In my humble opinion, a friend is one who can tell you that you are doing something wrong. And still be around when things are not working well for you. With good friends, you don’t have to pretend – you just be who you are. It doesn’t matter if you haven’t been in touch in years – you always pick up where you last left off. That has been the case with my friends and me.
Even at work, talk to your colleagues. Establish a relationship with your boss and your boss’s boss. Meet your boss for a one on one meting at least once a month to go over what you are doing right or wrong. Meet your Boss’s boss (with your boss’ knowledge) at least once or twice a year. Meet people outside of your work too and build a relationship with them. Meet people at your religious gatherings and get to know them. You never know when you might need a referral and knowing someone may come in handy.
  • Be grateful
Finally, always be grateful for what ever you have received. Remember, it could be worst than what it is. Contribute to the community and be involved. Get involved with a cause that is worthwhile. The way to do it is by looking at the expense ratio. If the organization consumes more than 10% of the funds it collects for itself, I think it is wasting money. There are several small groups that are doing very good work but lack the means or don’t feel the need to advertise.

I normally avoid religion-based groups, as I personally don’t believe in converting people’s religion and faith. If someone wants to do social service, they should just focus on that and preserve the local culture.

I think I will stop here. More until next time!