Destination Infinity's Blog, page 56

My Blogger Visiting Card!! Howzzz ittt??

 

I got this card made using Vistaprint.in. I love their design collection and their quick delivery. The writer to author event tomorrow @ Chennai was the trigger, but I also realized I am going around and meeting many people on weekends. So I need a card for Destination Infinity blog. I like the vertical card design — it’s different, just like me. If there was some more space, I might have written a blog post on the card

Two Engineers (Short Story)

I vividly remember the farewell party we gave to our seniors. Not only for all the fun, but also for the great speech given by Prakash — one of our seniors. While everyone else spoke about themselves, their plans, their friends, their memories, their pets, etc., Prakash was the only senior who was different. He didn’t speak even a single line about himself. Throughout his speech, he focused on inspiring fellow youngsters like me.

“Who was Ambani?” he had asked with a lot of fervor. “A person who sold detergent on the streets. We are engineers — We are doing our B.E. Imagine how much more we can do . . .” We all cheered. He continued, maintaining a serious face and demeanor, “If you thought Google, Microsoft and Apple were started by rich kids with their parents’ money,” he reduced the intensity of his voice, “you are wrong, they were all started in a garage,” he continued, now raising his voice. “The future game-changing garages of the world will come from India and I hope to see many of us play a pivotal role in it,” he concluded to the thunderous applause of everyone.

What a speech that was! By the end of the day, I went and got his autograph on a paper and to this day, almost three years after that farewell day, I keep the paper in my purse. To me, that is not just paper, it’s hope. It makes me hope that one day, I’ll leave this call center and become the CEO of a large organization. It makes me hope that one day, I’ll also become a successful entrepreneur. It makes me hope that one day I’ll start my own Google, Apple or Microsoft.

I took the paper out, unfolded it, and looked at the signature. All my worries, anger, self-pity, and everything else were gone in an instant. I had completed my work on yet another stressful day in the call center and packed my bag to go home. The clock over the reception desk showed 2 A.M., my normal leaving time.

I signed the register, swiped my card on the card reader, and turned towards the main door. Someone opened the door and walked in. I moved in his direction until we were both two feet away. I recognized him instantly. How could I not?

“Hey Prakash,” I almost shouted. How glad am I to see you again. How are you doing?” I asked him, unable to contain my excitement.

He did not return my smile. “Who are you?” he asked me.

“Don’t you remember me? I am your junior from college. We met during your farewell and I had even got your autograph,” I said and hoped he would remember me. He looked at me for a couple of seconds and then looked away. He looked at me, opened his mouth to tell something, but he closed it immediately. He looked away again.

“You may not know me Prakash, but I remember your wonderful speech on the farewell stage man. I still have your autograph in my pocket. That is the only thing that keeps me going through all this drudgery of a work man,” I said. He nodded, still looking away. I sensed he was not in the mood for a conversation, at least not here.

“So what are you doing here at this time? Would you like me to drop you somewhere? My cab should have come by now,” I told him.

“Are you going to Adyar?” he asked.

“Yes,” I said. “How do you know?”

“Because I am the cab driver who came to pick you up,” he said, turned around, and walked out of the door.

I stood there, frozen.

Destination Infinity

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See what I bought from Organic shop . . .

Nowadays, I am visiting organic shops and buying many things from there. I feel, the stuff they sell is healthier than the chemical-rich products available in normal shops. Have a look at some products I recently bought from organic shops . . .

These are handmade organic soaps that I got from online.  There is a good difference between using normal soaps and these — body is fresh and there is no oily feel normal soaps leave. The issue is, the price difference is huge and normal soaps like hamam and medimix are also good. I guess I will switch over to organic soaps in the future . . .  

Woohoooo. This is a real good find for me. Organic juices. I used to drink normal juices in the local shops here, but they add so much sugar and ice that I don’t know if they are healthy any longer. This juice pack claims that they use only organic fruits and natural preservatives. Better, I can drink just as much as I want, when I want. I don’t keep it in the fridge — I can still use it for three days after opening. Sugar is an issue, but it’s OK for now.

This is Kambu (bajra) millet. Nowadays, I don’t eat rice — I eat this instead. Same way as rice — cook it in cooker with water, mix with sambar, rasam, curd, have it with poriyal, mixer, etc. I have reduced almost 20% of my weight purely because of this switch from rice to bajra.



I was initially skeptical to change my toothpaste and shaving cream. I am not eating any chemical, so I thought why change it. Then I read articles on fluoride presence in toothpastes that affect us and chemicals in creams that affect the environment. More importantly, a customer recommended these products from Yeturu’s while I was in the shop. These may not be entirely organic, but I find them better than regular ones.

Aloe vera-based shampoo. These three products are made out of aloe vera, which I heard is a magic plant! They are fine. I also tried one aloe vera juice — that didn’t taste good. I settled for amla (nellikkai) juice instead. I also eat nellikkai pieces mixed with jaggery for healthy snacks. All these are available in organic shops.



You know what is this? Kombucha It’s black tea mixed with lemon grass. Very healthy. But since it needs to be refrigerated and I want to avoid cold beverages, I switched to organic juices.

Organic shops have healthier replacements for almost every product we use. They even have a healthy comb made of wood that can take out paen!! In India we cannot be sure how much of this is actually organic (without chemicals) but I am sure these products are (relatively) healthier than what we get in normal provision stores and supermarkets.

Organic food is an important component of sustainable-living. Actually I also want to grow organic food, but let me take one step at a time

Guys, go and try some products from organic stores near you, if you haven’t already

Destination Infinity

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Event: Writer to Author – The Transition @ Chennai

If you are in/around Chennai and you aspire to become an author, I have some news for you. There will be an event on Saturday, September 05, 2015 @ House #22 Cafe near Olympia Tech park/Jyoti Theater, Chennai. There is no entry fee, but you pay for anything you eat. For courtesy’s sake you could eat/drink something so that the people who have given the venue get some business.

I guess this will be more of an informal/interactive session where authors share information and experiences while publishing their books, and aspiring writers can learn and also contribute. The topics to be covered are mentioned in the above poster.

If you want to come, please message Kavipriya @ Facebook. She will add you to the event page.

Destination Infinity

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8 Things you Ought to do Now on LinkedIn

LinkedIn is a professional network useful not only for job seekers/providers, but also for entrepreneurs looking for/looking to provide services. Basically, for everyone. So take a few minutes to optimize your LinkedIn profile and help others find you easier.

Here are some things you Ought to do Now to Optimize your LinkedIn profile: (This is In addition to the basic details you might have already provided.)

Before you do any of the below, you might want to go to ‘Privacy and Settings’ — which will appear when you hover your mouse over your photo on the right-hand top corner — and click on ‘Privacy and Settings’. There, under ‘Profile’, turn off your activity broadcasts. Why should everyone in your network see each and every change you make to your profile? Next,

Click ‘Improve your profile’ under your name and photo in ‘home’. Add a ‘Summary’. Of your expertise and work experience. Many people might have left this blank (me included) but it’s an important parameter that will help people find you easier. Also add your email address in it, as contact details are visible only to your connections.
Below the summary section, you’ll find ‘Skills’. Delete unrelated skills and add related ones.
You can follow updates by companies, and also by people who may not be connected to you. When you visit someone’s profile, click on the down arrow next to ‘Send xxxx an InMail’ and select ‘Follow’.
Customize what should appear on your public profile — this is what someone searching (but not connected) will be able to see. Under ‘Privacy and Settings’, select ‘Profile’ and then select ‘Edit my public profile’. On the right hand side, select ‘Make my profile visible to everyone’ and then tick all the sections you want people and search engines to see.
Under ‘Privacy and Settings’ > ‘Profile’, hide ‘Viewers of this profile also viewed’ box. Why give a prospective customer or employer additional leads, yourself?
Set the frequency of group digest emails under ‘Privacy & Settings’ > ‘Groups, Companies and Applications’. You can do this for each group. Useful if you want to avoid unrelated mails to your email inbox. Of course, you can search for and join groups. Click the down arrow on the left-hand side of the main search box and select ‘Groups’. Now search for keywords relevant to your field of interest and you’ll get a list of groups. Then join a few.
For additional login security, you can turn on ‘Two factor authentication’. You can find this under ‘Privacy and Settings’ > ‘Account’ > ‘Manage security settings’. Then, you’ll have to enter your password and OTP code (you will receive on your mobile) to login.
Identify your Public profile URL and share it with your contacts/email/social media. You can get it in the same page you edit public profile details as mentioned in Step 4.

Destination Infinity

These were a few points mentioned to us during a recent workshop on ‘LinkedIn Secrets’ by GLOBALedge Management Services in Chennai, India. If you are in Chennai, you might want to have a look at their training programs provided under ‘Chennai Learners Club’ from the above link.

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History of Annanagar Tower Park

Annanagar Tower park is an important landmark in Chennai. Today, I went to a heritage walk on – ‘Social History of Annanagar’ by Ms. Tirupura Sundari. The talk revolved around the history of Tower park as it was one of the first structures to be constructed in Annanagar to draw more people to the ‘India International Trade Fair’ held in 1968. Ironically, the fair was over-shadowed by the Tower as it became the main attraction.

In the 40s and 50s, Annanagar was a village called Mullukkadu or Velangadu. In the 60s, this area was called the West Madras Extension Plan. Then came the Poonamalle High Road through which people were able to reach Annanagar. The Tower Park was inaugurated on 21st January 1968 by the then C.M. of Madras – C. N. Annadurai because the organizers wanted a quiet place around the city. The above photo shows the initial Tower inception plaque. Unfortunately, people have scribbled all over it!

‘Rukmini Nilayam’ opp. to Anna Adarsh school in Shanti Colony  (named so because the area was so quiet in those days) was one of the first houses that came in Anna Nagar. The above photo shows a house near Tower park that retains the early construction style/design. The plots around the Tower park were initially developed and saw rapid adoption. The Govt. laid the roads, electric lines, etc. rapidly and even constructed a few houses in this layout.

This is the only arch left of the seven arches that were originally constructed around the Tower. Don’t confuse this with the Anna Arch, which is the twin arched larger structure constructed later during ’86/’87. Did you know that the Annanagar Tower, like the Eiffel Tower, was originally supposed to be destroyed after the fair, but was retained because people liked it so much! Ramco cements were one of the sponsors for constructing this Tower, and they used it in their advertisements well into the 80s and 90s.

This photo shows the original wall constructed at the entrance of the fair, next to the arch. This wall shows props from all the major industry segments that participated in the fair. Tamil movies like Galata Kalyanam, Rickshaw-kkaran and Manal Kayiru featured Annanagar tower prominently. The Kandaswamy College across the main road was the VIP parking lot for the fair, and Arun hotel/Skywalk was a star hotel to accommodate visitors.

It seems, the Annanagar Tower was called as ‘Panchsheel Tower’ initially. It has 14 levels and one penal tower. People were allowed to climb up the tower until a few years ago (I have done it many times) and kids even used to cycle up. There is a lift that was in use earlier, but I haven’t seen it in action. I have written about my memories of Annanagar Tower earlier, but I guess it’s time to write another article with new pics.

Annanagar Social Heritage Group is conducting an exhibition about Annanagar on 28, 29, 30th August 2015 at Indira Gandhi auditorium, SBOA School, Tirumangalam from 9 A.M. to 7 P.M. If you are connected with Annanagar in someway, you might want to go! Also, if you are in Chennai or come to Chennai, Annanagar Tower Park is a must visit

Destination Infinity

Photos: By Destination8infinity (Own work) [CC BY-SA 4.0 (http://creativecommons.org/licenses/by-sa/4.0)], via Wikimedia Commons.

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Adyar Park/Tholkappiya Poonga: Chennai’s Nature Retreat!

Adyar Park/Tholkappiya Poonga is an excellent escapade from the concrete jungle to a natural jungle, right within Chennai city. Main gate is on Greenways road, nearer to Adyar/Elphinstone bridge.  Visitors need to assemble at 2:30 P.M on Tuesdays or Thursdays and a batch of 20 people will be taken on a guided tour. You need to pre-book their tickets from the park website after checking availability. Entry ticket: Rs. 20/-, Car parking: Rs. 20/-, Camera: Rs. 50/-. 

This park has been constructed over 50-acres after clearing a waste dump that used to exist here, as per high court order. They are expanding the park to another 300-acres, shortly. It seems a team from Auroville near Pondy was the consultant for this project and they also executed it. Now the Govt. is trying to clean up the major rivers within Chennai – Adyar river and Cooum river — let’s hope this will be completed soon and people will maintain it properly in the future. The city needs water bodies and greenery badly!

What you can find at Adyar/Tholkappiya Poonga: Lot of plants, trees, flowers, birds, butterflies, insects, reptiles, statues, artwork, huts, etc. There is a pathway to walk around the park and I loved visiting this calm and serene place. I am sure you will too. Here are some photos I took during a recent Butterfly walk in Adyar Poonga/Tholkappiya park. (Click the link to see the butterflies.)

 

 

 

 

 

 

 

 

 

 

Adyar Park/Tholkappiya Poonga Website: Chennai Rivers Restoration Trust.

Destination Infinity

Photos: By Destination8infinity (Own work) [CC BY-SA 4.0 (http://creativecommons.org/licenses/by-sa/4.0)], via Wikimedia Commons.

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Why Invest in Mutual Funds in India?

This is a guest post by Ram Mohan. 

Administrator’s note: I know Ram through an acquaintance I met at a recent event. Since Ram seems to know much about Mutual Funds in India and he has created a course on the topic, I invited him to do a guest post here so that readers can learn more. The below mentioned views and opinions are author’s own. Needless to say, Mutual Funds are subject to market risks. Research, learn and assess them carefully before you invest.

What are mutual funds?

A mutual fund is a professionally managed pool of money that is invested in a mixture of stocks, bonds and other asset classes. Buying into a mutual fund gives us a very simple way of investing in a wide variety of stocks and other asset classes with not only minimum investments, but also with minimum risk. In simple words, this is the money invested by many different people into different types of assets to minimize risk and maximize returns.

A mutual fund is managed by a person called a fund manager who typically is very senior and has more than 15 years experience in the stock market. The fund manager moves our money, buying and selling stocks as the market moves up and down. This is done actively every single day.

The fund manager usually has a team of experts researching stocks and market movements and advising on which shares to buy and which ones to sell. Nowhere else can we expect such active management of our money for such low fees which makes investing in mutual funds all the more attractive. The aim of the fund manager is  to increase our money.

Comparison between different types of investments:

The major forms of investments in a typical Indian family are Gold, Government Bonds, Bank Deposits, Equities and Property.

I think there is no explanation required for Gold, Bank Deposits (which covers both fixed and recurring deposits) and Property. The only term that would probably be unfamiliar to most people would be Bonds. These are Government securities and is usually a very safe form of investment. You can google for more information on Bonds as this is beyond the scope of this article

Now Equities is the share market in general, but covers both stocks and mutual funds. Generally speaking when we track the returns on Equities we use the Sensex or the index of the share market. To make this simpler, we can consider that return on a mutual fund will almost always be greater than the Equities provided we choose our mutual funds wisely.

Now take a look at the table below. This shows the return on all these forms of investments pre-tax over a period of 20 years. As you can see Equities outshine all the other forms of investments over all periods – 1 year, 5 year, 10, 15 and 20!

Type of investment

1 years

5 years

10 years

15 years

20 years

Gold

-7.90%

10.00%

14.40%

12.30%

9.30%

10 year Govt Sect.

15.00%

7.20%

6.00%

8.20%

6.70%

Bank Deposits

9.00%

8.20%

7.70%

7.60%

7.80%

Property (7 cities)

5.30%

8.90%

14.90%

12.00%

6.90%

Equities (Sensex)

31.70%

11.00%

17.00%

13.60%

12.90%

Avg. Inflation for the period

3.90%

7.40%

6.30%

5.90%

5.70%

Data and section inspired by FundsIndia blog – http://www.fundsindia.com/blog/mutual-funds/be-in-equities-to-protect-wealth/6739

The only asset class that come anywhere near is Gold, but that is an asset without any fundamental values and driven by Indian desire of the yellow metal.

Property is the biggest surprise and this research was done over 7 different cities – Mumbai, Delhi, Bangalore, Kolkata, Hyderabad, Pune and Chennai. I was very surprised to see this report as I expected property to do much better.

But the real story is seen even more clearly when you look at the post-tax returns table below.

Post-Tax Returns

type of investment

1 year

5 years

10 years

15 years

20 years

Gold

-7.10%

9.00%

12.90%

11.00%

8.40%

10 year Govt Sect.

6.20%

4.80%

4.20%

5.90%

5.10%

Bank Deposits

6.20%

5.70%

5.20%

5.10%

5.50%

Property (7 cities)

4.80%

8.00%

13.40%

10.80%

6.20%

Equities (Sensex)

31.70%

11.00%

17.00%

13.60%

12.90%

Avg. Inflation for the period

3.90%

7.40%

6.30%

5.90%

5.70%

Data and section inspired by FundsIndia blog – http://www.fundsindia.com/blog/mutual-funds/be-in-equities-to-protect-wealth/6739

In many cases like Fixed Deposits and Bonds, the return on investment hardly keeps up with inflation. In financial terms, this is called as “invisible” capital erosion.

Note that I’ve not considered returns on savings accounts as the name clearly indicates it’s a saving and not any form of investment!

Short term and long term returns on mutual funds

Mutual funds are a long term game. You need to consider them only if your investing horizon is minimum 3 to 5 years.

Equities have strong underlying fundamentals; true they allow for some speculation in the short term; but such activity ultimately helps discover better long-term pricing/valuation. That, my friend, is the beauty of equities especially in the long run.

Take a look at the picture below which outlines what the returns would have been on mutual funds over a 10 year period.

An average annual return of 13.41% Year-on-Year is nothing to scoff at. And a return of 20.37% is quite unbelievable.

To put things in perspective,   had you invested Rs. 10,000 and left it for 10 years, at a rate of return of 13.41%, your investment would be more than tripled and become Rs.35,198.  

But, if you had invested Rs. 10,000 in the best fund which gave a return of 35.78% (during these 10 years), then your investment would multipled 21 times over and become Rs. 2,12,989!!!  

Please do your calculations and find out any other place where your money could give such returns in other asset classes (not stocks) and leave a note in the comments.  

To recap in simple terms , your returns over 5 to 10 years could be an average (conversatively) about 12.5% . Note that there are short term funds that you can invest in and get returns of about 10% etc (called liquid funds) but we’ll keep this post simple and not get into the details of those at the moment.

SIP and the power of compounding  

Albert Einstein famously said,

“Compound interest is the eighth wonder of the world. He who understands it, earns it … he who doesn’t … pays it.”  

SIP or Systematic Investment Plan uses the power of compounding cleverly in conjunction with the value of the market to provide us outstanding returns on our investments   SIP works beautifully because the principle is as follows:

You decide to invest a fixed amount every month, say Rs. 5,000
When the market is high (in layman terms doing well), your 5,000 is allocated less worth in the fund
When the market is low (in layman terms doing bad), your same 5,000 is allocated more worth in the fund

In other words, your investment is averaged across market highs and lows. Take a look at the graph below:

This considers the markets from Nov, 2007 to Nov, 2012 (a period of 5 years). During this time the sensex was actually down -0.12%, but if you had invested Rs. 1000/quarter, your investment would have actually ended up earning 24.91% gains! How clever is that?

Now that we know what SIP is all about, let’s take a look at one final table which illustrates the power of SIP.

The markets reached their peak in Jan, 2008 and then hit rock bottom on 6, March, 2009. Ideally it would have been the worst time to invest – look at it logically, if you started investing when the market was at its peak and then started going down, you would lose money, right? Well, SIP defies all logic

Now, again we need to understand that investments is a long term game and 5 years should be our minimum target. With that, take a look at the table below:

(In all cases, you’re investing Rs.1000 per month. So multiple this by whatever you can invest)

The best performing fund gave you 22.41% return, the worst fund gave you 7.24% return. The 3rd example is a very striking one!

Not only did you invest in the worst possible fund, you also withdrew on the worst possible day when the markets were at its bottom most (don’t worry, I empathize with you – maybe you had fear or you wanted the money, but you stuck to a 5 years investment horizon).

Even at this point you still didn’t lose money at all…you still managed a puny 3.53% a year, but then again investing cannot be done blindly without research. Would you buy a home or car without spending countless hours researching? So once you do the same with investing, expect a clear 12.5% average returns across all your investments.

Final Note:

As you can see, investing can be complicated and scary, but I dice it all out to you in about 2 hours of video with all these as well as more examples. I show you how to chose the best funds, the easiest way to invest, and plenty of other tips and tricks.

As a special offer, I’m giving this course for $6 instead of the regular price of $27 to the readers of this blog. What is it these days? The price of a coffee and snacks for 2 at Coffee Day? (Sorry, I stopped spending money on such luxuries and invest all of it so am not upto speed on the cost of things). You can make thousands if not lakhs easily with the knowledge in this course. So, consider this as a wake-up call for investing if you don’t invest and a chance to learn something more if you do already invest.

Note that the coupons are limited and hence will run out if you don’t act fast. Do also let me know in the comments if you would like me to cover any other investing related content in another guest post. So long and happy investing!

Here’s the link to my course on mutual funds in India at discounted price only for Destination Infinity readers – https://www.udemy.com/mutualfundinvesting/?couponCode=DIF

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Organic Proteins for a Fitter & Healthier India: OMG!

This is a guest post by Kasi. 

Administrator’s note: I met Kasi during a recent event. He is trialing his new venture in India. Since his enthusiasm for his business impressed me, I invited him to write a guest post to educate readers on Enhancing Fitness through Organic proteins. The opinions mentioned in this post are the author’s and readers are encouraged to do thorough research/evaluation before deciding. Over to Kasi . . . 

*****

My name is Kasi. I am a British Indian. Indian by origin, British by birth, Entrepreneur by spirit.

I went to 12 different schools in 10 different cities in 3 different continents ultimately graduating First Class with Triple Honors from Durham University. I had stints in Investment Banking, Trading and Consulting before plunging head-on into Bone and Dental (BD). BD is my long, cultivated social entrepreneurship opportunity which originated in Mozambique but I am now trying to spread the goodness across the seas.

OMG! is my venture focusing on providing a good natured protein to the Indian consumer. I want to effectively create a fitness revolution through OMG! Products.

OMG! is currently trialing in the Indian subcontinent. It is a health product firm which specializes in pioneering protein technology. We develop proteins and produce them organically.

In my experiences with healthcare, I believe the long kept secret to physical fitness and health is ‘Protein’ which when twinned with the act of being ‘Heathy’ leads to enduring physical fitness. OMG! aims to better define these two words. We sell health products heavily tested and globally accredited which could be used by everybody (from gym-buffs to health conscious aunties) produced from the most organically cultivated agricultural and the best free range dairy farms from across the world.

We only produce products that we would use ourselves and don’t personally consider vanity spend. I don’t want to waste my time or my colleagues’ time by producing things that are not going to make you healthier, leaner, fitter or stronger. It is just not worth our time to be another protein player. We want to be the future of fitness, starting with good protein and tailored supplements for bodybuilders.

There are two options when it comes to proteins in the modern day. Natural or extracted from Naturally occurring sources with no additives. It is very hard for you to hunt down varied sources of proteins including various methods of understanding how to cook them. It is cost-inefficient, time consuming and more often than not you end up cooking the protein away. So we are a protein product as in we extract from naturally occurring sources without any additives.

We are not a protein supplement which uses unfounded practices and have no transparency in how they are sourcing the whey. So these make the options easier you can either buy OMG! protein and live long enough to not only see your great-grandkids and beat them at an arm wrestle or you can buy other generic protein s**t (yes, I said it. You will agree with me once you see what the market consists of now) and blow out your kidneys.

In terms of value for money, we provide the most healthy and cost-efficient protein gram-per-gram available in the market. The market includes natural proteins and proteins extracted from naturally occurring sources (the likes of OMG!)

In fact, we are constantly innovating. We have devised the soluble proteins available which means you can not only have protein dosas but even protein puris. In fact, I can solemnly say that we have conducted more research on not just the product efficiency but how it will impact you in the long term than any other protein you have ever put into your mouth.

Our emphasis on organicity is so high that we welcome you to come and visit our farms, especially our cows. OMG! Proteins are handcrafted with love and accomplished through the passionate labour of nutrition experts and organic farmers. Hope you will cherish the product and see its innate goodness as much as we do. I want you to be healthy. I want you to live better.

OMG! will aid in developing a leaner, stronger, fitter and healthier India.

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What will you do with 4G Internet? #Airtel4G

Airtel is the first Indian mobile operator to release 4G Internet service across multiple cities and towns in India. I am sure you all know this as they’ve been creating a lot of buzz in every available channel, but if you don’t, now is also good time. Better early than late