Man Ni Tarango (The Waves of Mind)

 [A] BACKGROUND: CV writing has been traditionally taught in B.Com, BBA and MBA courses, where the focus is on the format, spelling errors, number of pages, content to be included into the CV etc. The focus is on helping a student write "one perfect CV" that s/he can use for all the jobs, to which, s/he will apply. It is a kind of "one size fits all" approach, where the CV, once prepared, typically in a word file, may just need to be revised, whenever the concerned person adds any qualification  experience. But then, things have changed. Many companies receive hundreds, sometimes thousands of CVs, per month, which are unsolicited, at times. No manager has time to scan through all these CVs. Hence, the companies have started using Applicant Tracking Software (ATS), which find "the right" CV for each job.  [B] What is an Applicant Tracking System?: In simple terms, an Applicant Tracking System (ATS), is a software that scans through the CVs to look for ...

The list is simple: 1. There should be a proper job description and job specification available, for each and every post, you want to fill. The students want exact clarity about the nature of work, the content of work, the conditions of work as well as the skills they will have to deploy to perform the job. Things like location, working hours, reporting relationships, any specific skills requirements, should also be a part of the job description. Many online tools are available for writing job description. For example:  O*NET OnLine (onetonline.org) Also avoid selling dreams! Offer a "realistic job preview" and do share the hardships that will have to be faced by the candidate, during the course of the work.  If you are not sure how to price each job (i.e. how much you should pay for each job), you can use the wonderful portal:  Salary in India, Salary Survey, Minimum Wage in India - Paycheck.in  and find out the salaries, that are paid to different types of professi...

[A] Introduction: I have been approached by many senior citizens or retirees, who want advice on their retirement investment. While I am not qualified (nor do I want to be one in future) to offer exact solutions to their financial planning related issues, as each one must be having a unique level risk tolerance and reward expectation. But still, here is a compilation of the schemes, that are generally preferred by the senior citizens in India. Please keep in mind that the article avoids using technical jargons and has been written using the lucid language, that a common man (CM) or aam aadmi or person (AAP) can understand!!! [B] Discussion: Let us discuss each scheme in detail, with pros and cons: 1. Senior Citizen Savings Scheme (SCSS):  Salient Features: - Very safe. Backed up by the Central Government. - Age to Enter: 60 Years or Above - Hindu Undivided Family (HUFs) and Non-Resident Indians (NRIs) are not allowed to avail this scheme. The exception is those, who opted for Volun...

Silence is a poetry of the life. Silence is the decoration of the night sky. The stars are silent. The moon is silent, so are the space and time. All the virtues emanate from silence. Silence, then, is the wisdom of all the wisdom. It is the channelization of all the energies into the domain of the universe. It has the power to make you what you can be - the best version of you - as goes the saying. The nature of true silence is spiritual.  There goes a story, that, after attaining the enlightenment, Lord Buddha stopped speaking. He ran into silence. He didn't utter a word, or rather, he didn't feel like uttering a word, for days. On seeing this, Brahmaji approached Buddha and requested him (Him?) to share his wisdom, his wealth of knowledge of Buddhahood, with the seekers, the Bodhisattvas. Buddha replied, with utmost tranquility, he spoke, because he had something to say, to reply back to Brahmaji, that, he had nothing say, nothing to preach, for the ones, who have already at...

[A] Moonlighting - What is this?, What is it NOT? It is nothing but doing many jobs. But, the primary employers do not know about it. Even before Covid19, many employers, particularly in IT industry, would be working for two employers. But, in those days, most employees would disclose this to their primary employer. And the primary employer would not mind it, as long as the concerned employee were using his or her own resources to do that second job, including time and laptop. Plus, of course, there should be no conflict of interest in that. But, with work from home becoming a new normal, the employees started working for two more more employers, during the same working hours, using the same laptop. And, this is where, the problem is. A lot of employers like Wipro and Infosys view it as the practice, that leads to conflict of interest.  Moonlighting is NOT side hustle or a side gig. While moon lighting is generally about full time or a part time job for another employer during the ...

Dear Life, I love you! Your sheer presence is an invaluable bliss. I adore you, just like the light adores the sun. As the light does not have any expectations from the sun, a detached soul does not have any expectation from the life. It views life in black and white beauty, a poem to be recited, a song to be sung and a moment to be cherished. The happy is not the one, who has sought, or even, gave. The happy is the one, who is still, non-judgmental, has witness orientation (or attitude), and has endured pain, suffering and happiness, without getting into the the meaning of them.  The problem with meaning is that it does not capture the beauty holistically. The beauty must be celebrated in its purest form, without attaching any adjectives, tags and labels to it. A butterfly is simply beautiful. When you compare it with other butterfly, or when you analyse its body's color combination, you fail to see the inherent beauty of life that it carries with itself. The love story of the flo...

It is highly recommended that you please read my previous blog post, before reading this. It can be accessed here:  Cognitive / Behavioral Biases in Investment Journey- Part - I (pathikvariya.blogspot.com) Here the remaining behavioural biases: 1. Trend Chasing Bias: This is a belief that what has continued so far, will also continue in future. For example, if the price of the share has been going up for some time, it is likely to go on and on. It is similar to the herd mentality in a way.  The decision to buy or not to buy a security, should only be based on the strategic positioning of your portfolio and your investment.  2. Worry: Worry is nothing but always keeping oneself, in the mental state of overthinking, if everything is fine. It is like anxiety. So, it is to be avoided. 3. Familiarity Bias:   The U.S. accounts for only a small fraction of global GDP, yet U.S. investors have nearly 75% of their investments in U.S.-based assets.  (Source:  Famil...