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The calls we have written for our kids ! Economic theories argue on whether public debt ( debt incurred by governments ) to meet the needs of exceeding expense over revenues ( fiscal deficits ) is an implicit burden on the future generation. If large part of such debt is used for capital expenditure and raising the infra levels , investment in education and technology then future generations would benefit from it .  More like the standard wisdom of our grandfathers sowing mango tress for us to enjoy the fruits ( well unfortunately we cut those trees since we want to develop the property commercially ! ) However if the debt is incurred by us to allow inefficient transfers and conspicuous consumption then it is like a liability where benefits are incurred now , payments would come later. But here we do not want to discuss the aspect of debt or deficits incurred by the governments. But today want to discuss on something that we ourselves are responsible for doing.  

Designing ...why be a desginer

What are the qualities of a desginer ? Analytic mind ; a mind that can capture the patterns, decode them and also apply them ? yes ....... Skill .....definitely .....without physical attributation abstract designs are castles in the air... Art .......maybe not exactly because therein lies the difference between art and design. Art is an extension of the artist himself......an art form is created for the self satisfaction of the artist. Its beauty while evident to the world is actually meant for the artist himself / herself to revel in. A Design is different in that sense. A design is meant for OTHERS. The designer needs a quality more than the ones above and that is SENSITIVITY. A design is a utility object. Meant to satisfy the ones using it. And so the first thing that a desginer should think of is how can the design cature the expressed and unexpressed needs of the users using it. We in IT especially in Fin Services design systems. And so we must be focussed to our users and accept

of Smiles and Sunshine

Of Smiles and Sunshine ! Life gave me a very weird opportunity. An opportunity to work with the chronically ill children who suffer at very tender ages from chronic problems like leukemia and others. How does it feel to spend lives in the hospital wards, lives where at the ages of 3-4 years going home is a vacation. Life reminds them continuously that they are different, so the last thing that they want is us to do is to remind them that by telling them or worse by giving them the so called special attention they do not need. Let us take the case of a beautiful, angelic little girl of 6 years I will call Snow White ( actual name obviously suppressed) Snow White because she was kept in sleep by medication for almost the whole day so that she does not hurt herself. This little one suffered from a medium stage leukemia and was treated in one of the most reputed hospitals in Mumbai. She had a problem of hurting herself and others. She would bite people who came near her. She would bang her

the Saint and Nanndi Bail

The Hrishi and Nandi Bail My grandfather read me a lot of stories ,most of them on our Gods. Did a fusion of a Saki story and a grandfather story and made a remix ………………….. In Lord Shiva’s temple there is, always at the gate the Nandi Bail, his carrier and faithful companion. Nandi is said to be blessed with great pragmatic wisdom and street-smartness that complements Bholenath’s bholapan ! A temple near my home has a big Nandi bail whom all children love. Nandi’s neighbor is an idol of a hrishimuni ( great saint ). One lazy afternoon when there were no people in the temple Nandi and the saint were engaged in a deep conversation on the temple rats. “ look how thin the rats have become in this season ……… the people are hardly offering anything ……….no fruits…nothing ! “ complained the saint whose heart went out for the poor rats. “Hrishivar, its recessionary time ……..and inflation is so high ……you cannot help eve

All the small things !

All the small things! I“ Arre tame tamari gadiyal bhuli gaya “ ( you have forgotten your watch ) she shouted as she bade him goodbye that morning. “ na eno belt tuti gayo che .. akele main pehri nathi “ ( the belt is broken so I have not worn it) he smilingly replied as he waved and ran so that he would not miss 7.40am Churchgate fast. He loved his watch, she knew. It was his most cherished possession.. a gift from his father … when he appeared for his TYBCom. She could imagine how hard his mother and father would have saved to gift him the watch. She knew because she was also saving hard to gift him a pure leather belt for the watch on their first anniversary. And it was not easy to save when his salary was Rs300 and the hapta (EMI) on their one room kitchen was Rs 101. But she saved…. A Rupee here and there… selling raddi ( they both loved reading so newspapers and books was a luxury they allowed themselves to indulge in ) at the end of the month to tie the ends together. H

ek mahal ho sapno ka

Ek mahal ho sapno ka …… “kabar man jai ne su so to faristao ubha karse Ahin befaam koi pan jagah tari nathi hoti “ - Barkat “befaam” Virani A house has changed many a psychological forms since times. To us it is an investment opportunity and inadvertently all of us think of our homes as property- an asset class with a marketable value. For our parents it was an aspiration.. a realization of their dreams ,a fruition of their struggles .. a loan from HDFC ( the only housing loan available then ) paid @ 18% interest, the do deewane is sahar main ..ek aabudana thoondte hain “ kind of thrill. For our grandparents the home had no attachable value.. it was a consumable to be used lifelong ;preserved and used with no thoughts entertained about parting from it. But the house .. a home of MY OWN is the single largest dream known to all man. “chacha .. bahut aachi khabar hain .. hum log ko permanent ghar milne wala hai.. Zhopadpati Navnirman Program hain BMC ka ..court ka orde

pyar ke side effets

Pyar ke side effects! Yeh story hain do doston ki . Naam Abhijeet aur Siddharth. Dono cricket ke khiladi the aur cricket ki hare Indian ki tarah pooja karte the. That was until Pooja came into their lives. Abhijeet Hirani and Siddharth Asar were great friends and their friendship emanated from the fact that both of them played cricket – and played it really bad. Siddharth whose idol was Sachin ( though Sidd was left handed) had ambitions of opening the team batting. But he could not hit a football if it was thrown to him. When he tried to hit the cover drive the ball would edge to midwicket and when he tried to square cut like Saurav did all he could do was swing his bat wildly at the ball which if he was lucky would not edge to the slips.Abhi on the other end tried to swing the ball like Waqaur but found to his dismay that his ball never cross the 10mt mark and imperceptibly went short which at his pace would be perfect pull stroke for even a mediocre batsman.