Man Ni Tarango (The Waves of Mind)

If you are reading this, please make sure that you have read last two chapters of my Practical Personal Finance (PPF) Diaries by visiting the following links: Chapter 1:  https://pathikvariya.blogspot.com/2020/05/ppf-practical-personal-finance-series.html Chapter 2:  https://ppfbypathikvariya.blogspot.com/2020/05/ppf-practical-personal-finance-series_11.html Not taking risk is taking the biggest risk, they say. It is definitely applicable to the personal finance and investment. Because if one does not one's invest hard earned money properly, the value of that money will go down due to inflation. So, as you must have heard, under the basic principle of time value of money, the value of Rs. 0.1 Million today will be less after one year. In other words, its purchasing power will go down. So, one must invest in a way, that one can beat that inflation. But then, risk is inevitable in investment. How sensex wiped out almost five to six years' profits in March 2020 is

મારુ સાહિત્ય બ્લોગ માં હું મારી  અને જૂની સારી રચનાઓ  કરીશ બે ક્ષણ વચ્ચે જીવી લેવાનો પ્રયાસ,        જાણે "ઇવેન્ટ હૉરઈઝન" ને જાણી લેવાનો કયાસ, બધી બાજુ ખેંચાઈ જાવા છતા પણ,        "રી લે ટી વી ટી" મા ખુશ હોવાનો આલાપ. "કેમેસ્ટ્રી" ભલે મળી નાં હોય,         "મે થે મે ટી ક લી" બધુ ઓકે છે જનાબ!!! પથિક બી. વરિયા

RESEARCH DIARIES: ENTRY 1: SOME BASIC TERMS  WHAT IS RESEARCH?:  RESEARCH IS DEFINED AS THE CREATION OF NEW KNOWLEDGE AND/OR THE USE OF EXISTING KNOWLEDGE IN A NEW AND CREATIVE WAY SO AS TO GENERATE NEW CONCEPTS, METHODOLOGIES AND UNDERSTANDINGS. THIS COULD INCLUDE SYNTHESIS AND ANALYSIS OF PREVIOUS RESEARCH TO THE EXTENT THAT IT LEADS TO NEW AND CREATIVE OUTCOMES. (1) WHAT IS RESEARCH METHODOLOGY AND HOW IS IT DIFFERENT FROM RESEARCH METHODS?  THE SCIENTIFIC METHODS OF COLLECTING DATA, TESTING HYPOTHESIS, REPORT WRITING ETC. ARE A PART OF RESEARCH METHODS. RESEARCH METHODOLOGY IS ABOUT WHICH RESEARCH METHOD SHOULD BE USED TO CARRYOUT THE RESEARCH PROPERLY. BOTH ARE IMPORTANT BUT THE UNDERSTANDING OF METHODOLOGY IS MORE IMPORTANT. IT IS LIKE KNOWING ENGLISH GRAMMAR (RESEARCH METHODS) VS KNOWING HOW TO APPLY THAT GRAMMATICAL KNOWLEDGE IN REAL WORLD COMMUNICATION. FOR EXAMPLE, SACHIN PLAYS CRICKET IS AN SENTENCE. ACTIVE VOICE IS USED IN IT. ITS PASSIVE WILL BE "CRICKET IS PLAYED BY

COVID19 crisis will prove to be a "litmus taste" of your career, skills, current job security and your future prospects. In one survey, 38% Indians say that they are worried about their jobs (1). According to other article, 100 million and more jobs in India are at risk (2). These are initial estimates, as we don't know how far the things will go from here. Things may not become as bad as expected too. None knows the future. But, one thing is for sure. In these troubling times, those, who had saved the money, those who have the cash, are the real kings! I hope you recall a story of the cricket and ants. There used to be a beautiful garden, in which, a cricket used to live. There was a colony of ants in the same garden. As the beautiful summer was passing by, the cricket would enjoy the delicious food, sing, dance and make merry. The life was just too good to believe. He would take rest in the noon and night. The ants, which were living nearby, meanwhile, would keep

March 24, 2020: As Raghwan,a young clould computing programer, working or Suvarna Enterprise, was getting ready, to leave for India, the news that the nation has gone for a lock down, sent jitters through his nerves. He was aware of the way things were becoming serious due to COVID19 breakout, but he had little idea that it would become difficult for him to reach his home. He was now officially stuck in USA, where has been deputed as an expat on an H1B visa.  March 25, 2020: He is now stuck in the apartment he was allotted. Things were not extra ordinary for last fifteen days, but life was not that miserable for him either. He had moved around freely, went for a walk and shopping. Though there were no reported cases of infection in his area, the spread of CORONA had started to bother him a little bit off late. He was now wondering what would happen next. Though his company had allowed him to work from home, the anxiety of not being able to go back to his home country, was not mak

Staying and Working from Home are not what we are generally used to. We spend some of the most productive time - generally - 9 to 5 - in office or schools. So, the "new normal", requiring us to stay and work from home, is not "that normal" for us to accept. A lot has been written about what to do during this time. So here are a few things one may avoid, as far as possible, to not add further stress to their otherwise already stressed life:   1. Do not access too much news about Corona/COVID19: All types of news sources will definitely report a lot related to the current pandemic. That is fine. It is their job. But it is not compulsory for us to keep referring to number of cases every single hour. Rather, read something positive. Websites like https://www.thebetterindia.com/ can be a good starting point. You can also watch comedy scenes or movies from sources like YouTube. Make an artificial effort to consume only positive content and also make an equal artific

You must have read many time by now that the history of the world that we live in, will now be divided into two parts: 1. Pre - COVID19 and 2. Post - COVID19. It has affected everything we do and the way we are. And it will continue to do so. No doubt, it will shape the way we live, each aspect of our existence. This crisis will lead to many crises. It will change everything we know about PESTLE (Political, Economic, Social, Technological, Legal and Environmental). We are already witnessing a sea change in the way we greet each other. Handshakes have been replaced with a Namaste or a "Hi". Masks are common. Social distancing is a new norm.  This will also affect all the HR practices in general. First, Work From Home, will be viewed very normally. Companies like TCS are looking at a scenario where 75% of people will be working from home in future(1). For the companies, it will be a big money saver as it will require very less investment in real estate and infrastruct