Living within ones means

There is an old saying in Hindi….”Pair itne hi failane chahiye jitni chaddar ho”, to which lately I am hearing a retort….”To kya….hum chaddar badalkar badi chaddar odh lenge”.

Not a bad idea, but then one needs to spend extra dough on the “badi chaddar” and also maintaining that “chaddar”

The point being…while you are being asked to live within your means, think wisely before putting your money in something which will increase your expense. It is easier to say we can do it….but implementing it in the right way and coming out of the mess is very important, you shouldnt be digging a grave so deep that you die in it.

I have always said, people wear masks, and why not, how many people would be interested in seeing your troubled faces daily. A smiling face to fight off the current situation is always good. But then when that Mask becomes a Lie, when you start using that Mask as a shield for influencing, or gaining certain favors, it is time to stop.

Time is a big turner, it can change without you even knowing it. But to tide over that time, during financial difficulties, is very important. That is where the saying comes in. The length of your bedsheet can change with time…when times are tougher deal with your expenses accordingly, when times are better, deal with your expenses but at the same time remembering that you cannot predict your future.

Just random thoughts today, which I am not sure a reader might agree or not…but nevertheless…posting it on the blog…..

Am I ever serious....???

A friend asked me "Are you ever serious. All your posts on social networking sites are so funny". I retorted back....if i start posting my problems, will you follow my posts? Sorry for being crude mate...I know u are going to read this and understand.

For me being on a social networking site is like physically sociallising. One doesnt carry his troubles to a party or a social get-together. One goes there for enjoying. Ok you may discuss your problems on and off..but then there is a time and place for everything.

I do put up my serious thoughts....but then sometimes...what might be serious for me...might be light hearted humour for others, and when they comment back in  good humour..it lightens up the  mood further. So there you are. I am serious also..but open for nice and light chat, wherein the mood does not remain serious. One can even put it as ..... Online socialising is my de-stress media.....

Again recently I was asked what do I get from posting so much on Facebook and Twitter..my reply was simple, I know that somewhere someone might be smiling on reading this, not necessary that I get a like or comment for that, but it makes me happy...

P.s This post was lying in my drafts since more than a year...posting it today while cleaning my drafts :) The last para was added today....

Cost of owning a car

Technorati Tags: Car,EMI,Loan,expenses,fuel

Got a mail stating that my Car Insurance is expiring soon. Made me once again realize how fast a year flies. Also reminded me of the words of a Gentleman who has been a guide to our family since years.

Once we both had purchased our cars around the same period, if I remember correctly this was around 12 years back. We were both discussing our respective cars when his words of wisdom started flowing in.

According to him, the best way to purchase a car is on installments, for according to him, where else will you get a loan at such a low rate of interest and also benefit in your taxes. However he had a word of caution over there. While getting the loan is easy, one should also have other factors in mind. According to him, in two to three years, you need to change your car battery, then depending on your usage change the tyres, annual expense of maintaining and servicing the car, normal expenses over wear and tear of the car, annual premium of Insurance, the worst case scenario of major accidental expense on the car, and last but not the least….the fuel expenses.

He said one should average these all costs over five years of usage of the car and add the amount to the EMI to understand if one is making the right choice while going in for the loan or no. The car should not become a white elephant for you.

Well buying a car is the easiest thing ever today….but do calculate the actual Cost of Owning the Car……

Heads I win…Tails you lose….

The Govt of India thru the Delhi Court is slowly tightening its grip over Google, Facebook and the likes. While it was able to control the print and television media, it had offlate found itself unable to muzzle the general public opinion.
There are two sides of every story like there are two sides of every coin. What the Govt of India is interested in is keep the people of India limited to only one side ..their side.
Its like minting coins for India with only one side, but the problem is that there is still a blank side, and this blank side will be left to the imagination of many. Atleast with the two sides of the story, one could understand the facts and then decide which side is up or right.
But with the action being taken now the Govt is trying to tell the people of India… Heads I win…Tails you lose…

My experiment with the new Facebook cover picture