Tuesday, March 16, 2021

Mistress - Anita Nair




In dance as in life," writes Anita Nair at the beginning of her new novel, "we do not need more than nine ways to express ourselves. You may call these the nine faces of the heart." In the finest art of exaggeration, these nine emotions-love, contempt, sorrow, fury, valour, fear, disgust, wonder, detachment . In Kathakali language - Sringaram, Haasyam, Karunam, Raudram, Veeram, Bhayaanakam, Beebhalsam, Abdhutam, Shaantam...............



Two stories unfold here simultaneously: one featuring Shyam and his wife Radha who is in love with the charming travel writer Chris. Other story is told by Koman where he narrates his life story devoted to the service of his demanding mistress -- Kathakali. The whole work is another peep into the beauty of Kathakali with its nine sections divided according to the nine rasas and the story thus proceeds from sringaaram to shaantam. The principal protagonist is a Kathakali artiste of international repute. The different cases of interplay between the characters are expressed through navarasas- the nine phases of human emotion. This was my 29th of 2021.

Christopher, a young travel writer, arrives at a riverside resort in Kerala to meet Koman, a famous kathakali dancer. Immediately he is sucked into a world of masks and repressed emotions. Koman is instantly drawn to the enigmatic young man with his incessant questions about the past-but so is his niece Radha. Excluded from this triangle is Shyam, Radha's husband, who can only watch helplessly as she embraces Chris with a passion that he has never been able to draw from her. As the drama unfolds, the nuances and contradictions of the relationships being made-and unmade-come alive in this searing novel of art and adultery.

Story narrated by Koman:

Issues of Identity and self-definition remain uppermost in the novel. Koman is the protagonist of Mistress. Before learning about Koman, it is necessary to know about his parental background. Sethu, father of Koman, is a Hindu orphan, trained as a health inspector before he moves to Nazareth, a small town. He starts work under Dr Samuel. There is an epidemic in the village and its neighbourhood. They provide necessary help and service to the affected population. The doctor has tremendous confidence and faith in Sethu. The doctor takes him wherever he goes on medical rounds. In a village by name Arabipatnam, Sethu sees Saadiya, daughter of Haji Najib Msdoof. Her family is very orthodox and conservative. Women and girls are not allowed to see any strangers except their parents, brothers and husbands:

“What have you done, Saadiya? When I tell your father, he will be furious. She turned to zuleika and pinched her forearm. And you? Who else saw her there? Tell me the truth, you lazy cow. Where were you when she decided to put the honour of the family in jeopardy” (Mistress P-129)

When Saadiya’s parents come to know about her love for Sethu, a Hindu boy, she is expelled from the house. She joins Sethu. He is confident that Dr Samuel would help him. Dr Samuel asks him to leave immediately.

Sethu is very fortunate. Whenever he is in trouble, providence comes to his rescue. He is offered a job by James Raj, the richest man in Nazareth. After sometime, Saadiya gives birth to a male child. Sethu and Saadiya argue about “Khitan” to be performed on the newly born child. He feels very bad because this may cause pain to the child’s penis and testicles. He tries to convince her not to perform such things on the new born baby. She is stubborn and wants to follow every instruction that is said in the Koran.

Saadiya’s upbringing through indoctrination about religion is strong and common sense is not allowed to work. Sethu does not allow such things to be performed on his son and asks her to leave his son and go to her parents. When he comes home, only the child is there. She commits suicide.

In moments of extreme distress and tension such individuals cannot cope and commit mistakes or take extreme measures that are irreversible. Daily disagreements with Sethu lead to dejection and force Saadiya to commit suicide.

Though Saadya leaves her parents house because of her love for Sethu, she cannot leave her religion. This categorically tells us that Mind and Body are different. Body is willing but the mind unwilling.

Sister Faith, a nurse, is free and accepts to look after the child so that Sethu can get along with his life. He makes arrangements for delivery of money every month for maintenance of the child. He migrates to Shoranur and buys properties. He marries Devayani and has children through her. Sister Faith marries; there is none to look after the boy, Koman. Sethu has not discussed his previous marriage or about the child with his wife Devayani. She is disturbed by the arrival of Koman. Sethu feels that time will settle all problems. Like every father, he wants to give his son a good education. Koman is an average student. Koman’s interest lies in Kathakali. Sethu encourages him to learn the art of guises. His teacher, Aashan, trains him for many years to make him a good Kathakali dancer. He receives an invitation to play Keechakan in Keechaka Vadham. People praise his performance.

Sethu wants to see that Koman has a house of his own, purchases one for him near the river Nila.

Angela is a student learning Kathakali under Aashan. She has been learning Kathakali for two years. She is here to do her dissertation work. Her parentage is both German and Spanish. She now joins Koman’s class as a student. She finds him attractive. He is playful, mischievous and an affectionate teacher. He is generous and romantic by nature. She starts desiring him. She never misses to witness any performance given by him as it helps her research of recording as many veshams as possible. She feels that she is not just a student of his but she is something more than that. She feels that she is part of his being, like Ardhanareeswara, Lord Shiva having Goddess Parvati as one half of his body.

Koman starts to have an affair with Anjela. It is very difficult to restrain oneself from the amorous advances of a determined woman. They start living together. Sethu is worried that this would be a replay of his own life.

Look at the past and learn from it. Time to learn is the time when one wants the present to be better than the past. Any time one is unhappy in the present, it is time to learn from the past or plan for the future:

“You are old enough to know what you are doing”, he said. ‘Why don’t you marry her? All your life has been wasted on Kathakali. Will your art fetch you a glass of water when you are thirsty? Will it lay a wet cloth on your brow when you are burning with fever? Will it hold you up when your legs tremble? That is why you are lonely? That is why you need a family and home”. (P-371)

Sethu tries to reason with Koman regarding marriage with Anjela. Sometimes relationships don’t need rituals to sanctify them. Koman and Anjela start living as husband and wife, without being married. Slowly, perception of Anjela changes and wants him to move to the west to get international recognition, fame and fortune. Koman’s ego gets a boost. Planning for the future reduces fear and uncertainty. He does not plan nor does he learn from the past. He is going to land in an uncertain future as the future events reveal.

With the current generation of Indian writers in English, depiction of Man – woman relationship is not as advanced as in western culture, dealing with adultery, treachery and lust in all forms.

Anjela and Koman move to London. They are very happy for some time and then problems arise, pop up, one after another. Koman is totally dependent on Anjela both financially and emotionally. This causes friction between them. Money can make the best of friends into enemies. Naturally male ego is hurt and Koman decides to move out of Angela’s house. He does not find any progress in the art world. For survival he starts working in a hotel. He feels estranged and lonely as long as he is in London.

Finally he leaves for India. Lack of planning at work and in their lives, people fall short of their dreams and goals. Here Koman having no goal to achieve feels frustrated and dejected thereby becomes estranged.

Koman on his return, rejoins his dance school as Ashan. Two years later the institute troupe is invited to Europe. They perform at various places. Koman is offered a teaching fellowship by a German University. He declines the offer as he is aware of the shallowness of perception of the people in the western world.

It is the sense of purpose that ties the past, present and the future together. One must live with a purpose. How one responds on purpose. One has to respond to what is important now. It is important to him to teach this art to new students who are coming to join the dance school.

Success is becoming what one is capable of becoming. Progressing or moving towards worth- while goals is very important. Koman by nature is a good human being. He recommends Sundaran’s name for the teaching assignment and scholarship, abroad. Thus Sundaran gets a chance to go to a foreign country to exhibit traditional art form to western audiences. He never returns to India. Here Koman is very happy with his dancing school.

One has to adapt to the changing needs of society. One should not be afraid of change. The performance of Kathakali characters comes through life and death of Aashan, the art teacher who developed Koman into a man who is there to perform , art for art’s sake, where as Sundaran reaps spectacular commercial benefits from the art.

Koman proposes to Lalitha his long time mistress. She refuses to marry him because of her fear of people in society. She knows that Koman’s family would never accept her as his wife. She would always be treated as his mistress.

He has an uncanny knack of enticing and building sexual relationships with women. During his stay in Delhi, he meets Maya. Maya is a voluptuous woman. She is lonely. A month later Koman goes to Madras where she lives. Inevitably they become lovers, an affair of the heart and body. He is comfortable, has peace of mind as long as he is with her.

Koman is acclaimed as a successful dancer and praised by the audience wherever he has given performances. A well- known filmmaker makes a short film on him. A journalist attempted what he called a fly-on- the wall biography. He is invited to perform at prestigious venues and participate in workshops and seminars. There have been many interpretations of his technique and style. He is detached from all. It is of no consequence to him how he is perceived by others or what the world thinks of him, as a man or as a dancer.

Men reach a stage where they generally become witnesses. In fact the Gita says, be a Sakshi( witness) to the events unfurling in front of you. Do not get entangled in the proceedings. Koman has reached a stage of detachment, where he can view things with the help of a detached mind.

Story of Radha:

There is an interesting aspect in Anita Nair’s novel Mistress that its treatment of man-woman relationship is based on her entrenched faith in new humanism according to which woman is not to be treated as a mere sex object, but man’s equal partner. Her concept, of a free woman, who has transcended the limits of economic or social freedom, developed a mental and emotional attitude. This novel on one level looks at the turbulence of large families where dependency breeds strong emotions. Shyam, a self made entrepreneur has been humiliated by his uncle, Radha’s father. His uncle comes with a proposal of marriage with his daughter:

“What is wrong? Shyam asked as gently as he could”?

She has been involved with a man,’

So why don’t you get them married”? (Mistress p-121)

They say that nemesis always has a way of catching up (Mistress P-121). Shyam is in love with Radha. He had foolish dreams since his childhood wanting to posses her at any cost. Even though he knows that she had pre-marital relationship with a married man, he thinks that it is an innocent relationship. It does not matter and he will be happy to marry her. He asks his uncle if she is agreeing. His mother approves their marriage. His sister, Rani Oppol is suspicious that Shyam has been forced to agree.

“You can get any girl you want. You don’t have to be saddled with her just because we owe her father a debt of gratitude,’ (Mistress P-122)

Despite his sister’s protest, marries Radha and on their marriage night, she waits for him in their nuptial chamber with a face that seems hewn out of stone. She looks at him, when he tries to crack a joke to make her laugh, she remains stoic.

“ I am not a virgin,’ she said,’ I want you to know that I have had sex,’ it does not matter. I have had sex, too. I have slept with other women, too. ‘Did my father offer you money to marry me?’ I looked at her carefully. You are insulting me,’ He said quietly. I don’t need to be paid to marry you. Do not you know how beautiful you are’? (Mistress P-123)

Shyam is ambitious. He wants to flourish and become rich. His uncle gives him money and property. He is a growing business man and an entrepreneur in that part of Kerala. He is a crafty businessman. He has a resort near river Nila where tourists and foreigners visit and stay. On the marital front, Shyam and Radha do not have children though married for eight years. Radha is unhappy about the marriage because of the behavior of Shyam. What Shyam wants is a mistress. He wants a dutiful wife.

Men and women are complementary to each other. Neither of them can claim any superiority over the other. In human civilization, women are often gifted with foresight, which contributes to the happiness of others.

In earlier days, women were merely portrayed as dependent souls. They prefer happiness of others. Women’s identity is hidden behind the mask of sacrifice and dependency. Their voices are no better than the voices of the dumb, not audible to the world.

Radha knows that it is a sin to woo another man, a foreigner, Chris. Her husband loves her despite her guile nature. He suspects that she is attracted towards Chris. Her frequent visits to Chris make Shyam worried and put him in a vulnerable situation.

Chris is a writer, a journalist. He is interested in music. He has come to probe and find out if Koman was his father. Koman has had many affairs. Radha, herself has to grapple with the question whether her uncle, who had an affair with her mother, was her father.

Radha meets Chris secretly. Koman made many mistakes of romancing with Radha’s mother who was his own brother’s wife. As a wife, she is a symbol of the glory and prestige of her family and transmitter of tradition from one generation to another. Radha fails to restore her life even after her marriage to Shyam. As a wife, she must protect her husband’s reputation. The illegitimate relationship gives a chance to others to comment about her husband. She never bothers about her husband’s reputation and she tries to quench her thirst for sex, by romancing with Chris. She has forgotten that Shyam had given her a new life by marring her when her life was in ruins and her family at crossroads. Unfortunately she forgets Shyam’s help. He feels deceived, but he loves her very much. This shows his good nature and his true love for Radha.

Chris and Radha continue to enjoy physical and emotional intimacy until one day Chris relationship based on deception ‘I don’t want to be involved in this deception. It makes me feel sordid and responsible’(252).

As the novel ends, Radha is in a dilemma when she thinks of returning to Shyam for support: ‘It is fear that makes me seek him, not regard for him….. I cannot continue to play wife merely because it frees me of worries: (426).

Some catchy quotations:

"Don't let someone else decide for you what is within your reach or what is beyond you" - 4

"You cannot make someone see the truth unless they want to" - 33

"Fear makes one do things one would never do otherwise. Fear lets you compromise." - 294

"But a true artist is also someone who is able to sustain his belief in his art, and knows that what the world thinks of his art is irrelevant." - 354

"People make mistakes. There is nothing wrong in admitting you made one. But to continue making a mistake when you know it is one, now that is wrong." - 454

Anita Nair throws light on different aspects of human relationships and brings out the factors, which are responsible for change in behaviour of man towards man. She feels that men have been successful in suppressing woman for centuries. She does not waver in her version of better world where men and women can live and work together harmoniously, developing a higher level of consciousness by means of a closer sharing of meaningful concepts, meaningful to the conditions that are present and prevailing.

The novelist expresses her thoughts through various rasas-raudram, bhyanakam,etc. What holds the novel Mistress, on pre-marital, non-marital and extra- marital sex is the way, the author binds it with Kathakali, a popular and rigorous dance form of Kerala thus blending art with adultery. 

Sunday, March 14, 2021

Dil Bechara from The Fault in Our Stars - Always Forever!

Susant's Swan ship movie, adaptation from John Green's Novel 'The Fault in My Stars' story of young teenage couple suffering cancer. Sushant Singh Rajput and Sanjana Sanghi’s Dil Bechara was released digitally on July 24, 2020. The novel was earlier made into a film in 2014 and starred Ansel Elgort and Shailene Woodley. The Hollywood version was a complete adaptation of the book while the Bollywood version was adapted with modifications in order to cater to the sensibilities of the Indian audience.



Kizzie meets Manny in her college. You don't decide when to be born, or when to die, but you can decide how to live is what the boy believed. But girl stuck to her grandmothers story, Once upon a time there lived and prince and a princess, both died, and the story is over. The boy thinks that cannot be their story. Hazel meets Augustus during a support group meeting. Manny climbs balconies to break into the room of, Kizie Basu. In TFIOS they just sit by the swing on the garden; there’s no break in. The suburbs of Indianapolis in TFIOS becomes the industrial town of Jamshedpur, the horizon sprinkled with smoke spewing factories. The Honda of TFIOS becomes a TATA Tiago.

Hazel is obsessed with a novel titled An Imperial Infliction. The book ends mid-sentence and Hazel is eager to meet the author to ask about what happens to the characters of the book. Kizzie is obsessed with an album and wants to meet the musician Abhimanyu Veer. One of the songs from his album is incomplete and Kizzie wants to meet him to ask why he left it incomplete. 

Augustus finally tracks down Peter Van Houten's address and tells Hazel that the author is in Amsterdam. Gus uses his death wish to help Hazel meet him and the two take a trip to Amsterdam. In Dil Bechara, Manny successfully tracks down Abhimanyu Veer and discovers that he is in Paris. The duo then takes a trip to Paris to meet him. 

Peter Van Houten was one of the most abrasive characters from The Fault In Our Stars, an alcoholic writer, dishevelled in Amsterdam (where he is from, given the name) who writes a literally-incomplete novel that both Hazel and Augustus fixate on. He is bitter and angry, and towards the end of the film we find out he is still grieving his daughter who died from leukemia at a young age. He is redeemed, sort-of. 

In Dil Bechara he becomes Abhimanyu Veer (Saif Ali Khan), a tee-tolling musician who seems to have written one-incomplete song and disappeared to Paris. When we first see him, he is not in his study buried among papers like Houten, but in a hip cafe with glass walls and domes, in a man bun, receding hair slicked back, sipping cold coffee with ice-cream. He screams sober at the end, “Gaana adhura tha kyunki yeh saali life adhuri hai,” and that’s the last we see of him. 

After the meeting with Peter does not go well, Hazel and Augustus march out of his house. His secretary offers to show them around Amsterdam and takes them to the Anne Frank House. The two share their first kiss on the top floor of the museum. Kizze and Manny storm out of a restaurant after meeting Abhimanyu Veer and later share their first kiss in a hotel room in Paris. 

Manny's friend JP expresses a desire to make a film before he loses his eyesight due to his cancer. Both Manny and Kizze help him complete the film even after JP has his final eye surgery. Augustus' friend in The Fault In Our Stars is shown to be a gamer and has no desire of making a film. 

“Seri”

“Seri? Tamil?”

“Seri ka matlab okay”

“I like seri”

“Yaani aajse, seri hamara word hai” (“Perhaps  ‘okay’ will be our ‘always”)

“Seri Kizie Basu”

“Seri Immanuel Rajkumar Jr.”

And the movie ends with Seri. 

Always Forever! 

Chalk n Duster

 A very well told ethics and greed story, and the downfall of the education system, where it has turned into a business. Wondering how and why this was missed out before. 



A beautiful movie on how education has turned into business, and to what extend the business men can go to make it profitable, how very few remember their teacher and stand up for their justice, and how when one person stand up, other follow. 

A school was functioning smoothly under the able hands of Principal Indu Shastry (Zarina Wahab), and then there is a change in the managment and so the Principle. Teachers' chairs are removed from the classrooms, the tea is no longer free and subjects are juggled so that, for example, the overweight Hindi teacher is now assigned physical training spoiling the whole dynamics of the school. All of this is too much for the good-hearted Vidya, who suffers a heart attack after a sudden and unfair dismissal. Jyoti (Juhi Chawla), a teacher who is passionate about teaching, stands up for the fellow teacher, Vidya (Shabana Azmi) , and fights against her unjustified dismissal by the school's new principal, Kamini  Gupta (Divya Dutta).  This entails using a TV channel as a platform for reminding viewers that teachers need support, recognition and more pay.

The drama ends with a recovered Vidya and Jyoti taking on a Who Wants to Be A Millionaire-style quiz Conducted by Rishi Kapoor,  to win 5 crore rupees. The trade-off is that if they lose, they will have to accept their termination and leave their profession respectively. Vidya and Jyoti use their talents and win the quiz battle. Unwillingly, the trustee Anmol signs the bank cheque of 5 crore rupees. The principal Kamini apologizes to Vidya and Jyoti publicly on the TV show. At the end, Vidya reveals that she will be handing over the money to former principal Indu to build a school where no teacher will be discriminated against and students will have a good education for less cost.

Managing Time for Better Self Care

Prioritization, Self - care for emotional wellness, Practical tips for managing your personal and professional life where the key learnings.

What is new? 

WFH. Personal choice, extended duration, lack of freedom to step up, lesser commuting time, saving travel cost, get more things done. Women Burn Out, stress,  WHO - Occupational Phenomenon.

Return to work place is what some want.

Time Management is the process of planning and exercising conscious control of time spent on specific activities, especially to increase effectiveness, efficiency and productivity. 

Essential Time Management Strategies:

  • Be Intentional
  • Be Prioritized
  • Be focused
  • Be Structured
  • Be Self Aware

Four D's of Time Management:

  • Do 
  • Defer (Delay)
  • Delegate
  • Delete (Drop)

Time to Maintain

  • To do list
  • Interest
  • Meaning
  • Excitement
The Jar of your life fill it with intentions.




Develop your own Self Care plan.




Types of coping (self care) skills 

  1. Self Soothing (Comforting yourself through your five senses) 
    • Something to touch example stuffed animal, stress balls
    • Something to hear example music, meditation guide
    • Something to  see example snow globe, happy picture
    • Something to taste example mint, tea, sour candy
    • Something to smell example lotion, candles, perfume 
  2. Distraction (Taking your mind off the problem for a while) like puzzle books, art work, crafts, knitting, positive website, music, movie. 
  3. Opposite Action (Doing something opposite of your impulse that's consistent with a more positive emotion)
    • Affirmations and Inspiration example looking at or drawing motivational statements or images.
    • Something funny or cheering example Funny movie, TV, books.
  4. Emotional Awareness (Tools for identifying and expressing your feelings) Example a list of chart of emotions, a journal, writing supplies, drawing /art supplies
  5. Mindfulness (Tools for centering and grounding yourself in the present moment) Examples Meditation or relaxation recordings, grounding objects like a rock or a paper weight, yoga mat, breathing exercise.
  6. Crises Planning (Contact Info of supports and resources, for when coping skills aren't enough) Family/Friends/Therapist/Psychiatrist/Hotline Crises number/ER911
Resilience or psychological hardiness : It is the ability to bounce back , the positive capacity to cope with stress. 

Steps to accept resilience:

Professional:




Personal:


If you care for others, you need to be fit, for this you need self care, and you need to manage your time better. Priorities. 

Wednesday, March 10, 2021

Nightingale 3 – Choice, Chance & Change - CA Sivakumar & CA Pattabhi Ram

March 8, a day considered to commemorate Women, is aptly chosen as the date for the release of the book Nightingale 3 – Choice, Chance & Change, because its a biography of eleven women!! 27th of 2021


They are:

1) Nandita Shah Parekh first women gold medalist - retired from work and engaged with life now; 

2) Anuradha Mahesh - providing specially abled with sheltered employment creating inclusive world as there is ability in every disability in this short life. 

3) Sangeeta Sumesh - CFO turned corporate coach

4) Thanammai Ramachandran - Now VP of HDFC bank, she qualified CA at 37 after her husband passed away.

5) Sripriya Kumar - Council member for 6 years, 

6) S N Rajeshwari - United India Insurance Co. Ltd. regulator and head

7) Sarada Sriram - 1000+ centers teaching abacus to children in India and abroad

8) Meenakumari Venkateswaran - Dancer, Jouralisam, community service and corporate life.

9) Vidya Nagarajan - Tax expert with big 4

10) Pushkala Hariharan - Battled against depression and poverty. with discipline, dedication and determination, a case of dream and drive.

11) Lakshmi Ramamurthi - Runs anganwadi school with government - with passion, persistence and people

This book is all about these women, who have traveled the path less taken, with so much bravado, meeting their difficulties head on, finding solutions to forge their way forward, to stand where they are now, tall and strong in their respective positions. Their problems are still a part and parcel of their life, yet they keep going on, to become an inspiration to all women. They choose to live exemplary lifestyles of leadership and excellence.

"Let woman share the rights and she will emulate the virtues of man; for she must grow more perfect when emancipated." Mary Wollstonecraft

*Nightingale 3 – Choice, Chance & Change* is authored by Chartered Accountant stalwarts & my teachers - CA Sivakumar & CA Pattabhi Ram on the life of 11 women who shaped their lives on the choices they made & the chances they took to create the changes that they wanted. Writing team consisted of:


With creative work , giving life to all this is designer N Malaiselvan. Video audio by Harish Sahas.

Chief guest: Hon. Chitra Venkatramani, Judge. Madras High Court ( R) graced the occasion and ended with a beautiful story of what to do when adversity knock the door, with the story of Potatoes, egg and coffee bean, put in boiling water, each react differently. One becomes soft, other becomes hard and coffee bean spreading aroma around. 

 https://www.youtube.com/watch?app=desktop&fbclid=IwAR0XT0xIX-D6HS_7ehwvCNpiOEzspPYhjYRo96cs3CaU95LEzUmz-fRo7Xg&edufilter=NULL&v=Hd39LX0gD40

CA Pattabhi Ram Sir  said, that it was a fairy tale experience - capturing 45 women CA's. Any of this would not have been possible, without the writing team and the effort the Nightingales put in. 

Tradition, virtue and goodness is what Nightingale symbolize. Let there be no word like hurdle in the journey of life. 

Financial Guide for Women - Personal Financial Planning

Personal Financial Planning, Tips for managing your money, Money Mistakes to be avoided, Managing contingencies and emergencies

Why plan finance? 

We all have our  plans, hopes and aspirations.

  • First we need to have a financial goal.
  • Oops you need to first set up your learning goal.
  • Sorry again, before that you need to first set up your Health goals.

Before we go further:
  • Do you want to die rich or die in hope of getting rich?
    • I would like to live rich.
Triple your investment in LSG - Learning, Study, Growth.

Is your money working for you?
Let your money work for you 24 hrs*365 days

Do you follow what others say on money matter? - Its just guidance, don't follow verbatim, never compare or copy. Listen to all, but make your own decision.

A good financial Planning:

  • All about the future
  • Figures matter: What's your goal?
  • Time your plan: When do you need funds?
  • Consider inflation
  • Be ready for emergency and contigency
  • Set monthly targets
  • Know what is your risk appetite
  • Understand compounding and start early




Formula to become rich:

S = I - E no
E = I - S

Tax Planning: Don't Delay:

Start in April
  • Know your taxes
  • Start Planning
Understand your tax statement - Form 16; anyone can make mistake. 

Spread out your investment - ELSS/Others - SIP it.

Rupee cost averaging and higher return

Explore VPF - Will qualify for 80C and provide diversity.

Invest Smart - Put your bonus to good use

  • Not in the bank account please
  • Park in Liquid funds
  • Allocate and invest
  • Systematic Transfer plan
Insurance - Do's and Dont's

  • It's a cost and not an investment. 
  • Always go for term plan
  • ULIP is a big no.
  • We all should have term insurance
  • Nomination is needed for all financial transaction/investment
  • Policy Documentation
  • Company scheme is okay but not good enough
  • Start early - always have health insurance.
Credit Cards

A big no, unless you can manage it well. It is a good servant, but a bad master.

  • Good tool to defer the payouts and avail 50 days credit period
  • It can be a serious trap if you don’t pay 100% dues on time
  • Interest charge on overdue will kill your financial planning
  • Negotiate for joining and annual fees – should be waived off
  • Always restrict maximum 2-3 which you can manage easily
  • Go for 100% auto payment on due dates

Contingencies and Emergencies:
  • Medical - Action plan - let family be aware
  • Death - Nomination, Information and data access ( How can I say no to this? ; If I am not responding, I am busy) (Death is the only reality of life)
  • Job loss - contingency fund, liquidity. 
Where to Invest:

Mutual Fund.  ' Mutual fund Sahi hey'

Benefits of Mutual Fund:
  • Liquidity
  • Diversification
  • Transparent
  • For everyone
  • Low Charges
  • Tax Benefit
Choose a good one with 5 start rating, Its safe, but subject to risk.

Where do Indian's Invest?

Diversification and correct asset allocation is the key.






If you want to be wealthy, invest in equity.

Last year was outlier so last years returns cannot be taken as base. 

It's not too early, its not too late to invest. You can start anytime.  Depending on your time horizon, plans will be different. 

First invest in your learning, study and growth. 

Don't compare or copy others!

Happy Investing!


Challenge yourself to maximise your money potential # choosetochallange.

A Little Princess By Frances Hodgson Burnett

 'A Little Princess' by Frances Hodgson Burnett is the story of a wealthy girl, Sara Crewe, who leaves for a boarding school in London. Sara doesn't want to leave her home in India, but her father tells her that she must be brave in London. When she arrives at the boarding school, Miss Minchin is impressed with Sara's wealth. Sara lives a pampered life - until word comes that her father has died. She can no longer afford to pay for school, so Miss Minchin sends Sara to live with the young maid Becky. Sara and Becky sleep in the attic, eat scraps, and spend their free time telling each other fanciful stories.

Something magical starts to happen to Sara. When she wakes up, her room is filled with delicious food and other beautiful things. Where did this all come from? Sara doesn't know, but the neighbors have been watching her and Becky. They felt bad for the girls, so they decided to surprise them with all the decadent treats the girls dreamed of.

The neighbor, Mr. Carrisford, a noble and kind man,  is actually the business partner of Sara's father, and has been looking for her. One day, Sara visits Mr. Carrisford, and they realize she's the child he's been looking for! He's been trying to find Sara to tell her that her father has left her enough money for her to be taken care of for the rest of her life.

The story covers these three important characters. This was my 26th of 2021, reliving the school days, not sure in which class was I in, when I first read this. But somehow, reading The Secret Garden, made me want to re-read this as well. Now looking for The Little Prince and The little women. 



Tuesday, March 09, 2021

A Burning by Megha Majumdar

A burning begin with an incident where more than a hundred people are killed in a fire bombing on a train as part of a terrorist attack by unknown assailants near the slum of Kolkata. There is public outrage and a need for someone to blame. Jivan being naive about the real world repercussions of engaging in virtual chat posts on Facebook that the government is just as culpable as the terrorists. This turns her into a convenient scapegoat as she is imprisoned and faces the serious charge of orchestrating the bombing. .....and then so many painful scenes, but can relate to so many incidents of the present that it cuts to the truth of things with devastating effectiveness. Megha Majumdar's 'A Burning was my 25th of 2021.



Jivan is a Muslim girl from the slums, determined to move up in life, who is accused of executing a terrorist attack on a train because of a careless comment on Facebook. PT Sir is an opportunistic gym teacher who hitches his aspirations to a right-wing political party, and finds that his own ascent becomes linked to Jivan's fall. Lovely--an irresistible outcast whose exuberant voice and dreams of glory fill the novel with warmth and hope and humor--has the alibi that can set Jivan free, but it will cost her everything she holds dear. 3 lives intersecting around a single, harrowing lie. Jivan’s trial is a catalyst, the thread that runs through their lives, marrying one to the next, and as the connections between their stories pile up and tighten, evasions and lies come tumbling out of the closet and unexcepted links between them are revealed.
This is a cautionary tale for those who claim politics has no place in their lives, and that includes a great many people. Majumdar ties the private terrors of supposedly inconsequential people to the larger forces pulsing through India—and the world.

Few thought provoking dialogues and quotes:

“Mother, do you grieve?
When you walk to the market, I will return to you as footprint on the soil. At night, when you close your eyes, I will appear as impress on the bed.”
Know that I will return to you. I will be a flutter in the leaves above where you sit, cooking roti on the stove. I will be the stray cloud which shields you from the days of sun. I will be the thunder that wakes you before rain
floods the room.
“If the police didn’t help ordinary people like you and me, if the police watched them die, doesn’t that mean, I wrote on Facebook, that the government is also a terrorist?”

“Many years ago I would have been asking why is this happening? But now I am knowing that there is no use asking these questions. In life, many things are happening for no reason at all.”




Breathe: Into The Shadows

The second season, after R. Madhavan's 'Breathe', was released on July 10, 2020 but happened to see it only now.  It had Abhishek Bachchan and Nitya Menon in the lead roles. 



Apart from Abhishek, Nithya, Amit Sadh and Shruti Bapna, 'Breathe: Into The Shadows' also features Saiyami Kher and Hrishikesh Joshi in pivotal roles. Abundantia Entertainment has backed the project directed by Mayank Sharma. Dr. Avinash Sabharwal (Bachchan) finds his 6-year-old daughter Siya kidnapped by a masked man. The kidnapper demands that Sabharwal kills a man in order to get his daughter back. In reality, it is Sabharwal himself who is the masked man, as a result of his multiple personality disorder

This time around, the protagonist Abhishek Bachchan turns an antagonist to save his daughter. The 'mask' has played a very important role in the web show this time around, since the real antagonist hides behind the mask, and so does Abhishek, when he digs in deeper in hopes of rescuing his child.

Nithya Menon, who plays Abhishek's wife and mother to the missing daughter, brings out some real emotions, while some times it looks dramatized. When Abhishek asks 'do you see me as a father or as a murderer?', and she goes on to answer with, "a man who was trying to save his family." 

Pritpal Singh unknowingly and mistakenly killed a puppy named Goofy whom Avinash considered his friend and loved him very much, so he was killed first. Abhishek seems to have lust for Shruti Bapna (Natasha), but ends up getting her killed. Abhishek Bachchan is also heard connecting the dots between anger and lust when it comes to murdering Bapna's character. Another twist that comes in the trailer is, Bapna's attraction to Nithya's lips, hinting that she might be homosexual, thus rejecting the antagonist.

In the middle of the scene, enters Amit Sadh, but with Abhishek taking over the police force too, he is left out as a mere pawn in the big game.The show ends with Saiyami Kher's character visiting Avinash at the facility, and receiving a piece of paper with 'C-16' written on it. ... C-16 is the code word that J told Saiyami's character he'd give her if he needed her help, in one of their chats in a hotel room. He is probably staging a breakout.

"Papa's Princess", "Filthy", "Wings and Chains", "Mind Games", " Reflection", "Turning Point", "Relay Race", "Bad Uncle", "Lights out", "1996", "Chef's Special", "C-16" are the names of each part. 

Saibal Chatterjee writing for NDTV called the series "low On oxygen", giving it 1.5 of 5, there has been flaws in the story telling and direction, turning out to be plain preposterous. 

Who Run the World - Choose to Challenge - Women's Day

 It’s everyone together, regardless of gender!



Create an inclusive environment, challenge status quo, ensure gender-balance, build relationships    embrace diversity. Aarathy and Seema did a wonderful  job  in putting  together  a beautiful  event.

To the firsts - Video of first women, glasses being shattered.

What can we do to ensure bias don't sweep in? If it was easy to correct, it would have been solved ages ago. The Culper spy - Movie. Passionately believed in commitment.  Great movie, highlighted history, and We are responsible for changing society, and if we cannot defend and speak up, we cannot expect others to do it for us.  Women need to vocalize and speak more. Most of us have imposture syndrome and we put up with it. 

How do we balance work and life? A successful balance is a myth. The word success is different for different people. Its a journey, a hard one. You need to find the small steps and get to do it. The opportunity is women's - we have the power of choice to choose the job we want or remain at home. That is the empowerment we have been given, no one owns anyone, it is for us to create it. It's lot of hard work and effort.

Skills needed is - List making,  Listening, Leadership is a big term, and every one leads in one form or the other, it's that we evolve. 

Chivalry and women have nothing to do in common. It's a quality you need to have. All should be equally respected. People come in with an uncommon bias. Chivalry comes from listening, even if the other person is wrong. 

We all feel low and have our hardship. Know your purpose, and big picture, and realize low moments are temporary, and ask for help. Everything will pass. Big picture and purpose is important. Be self aware and work to be better. Its important to be vulnerable. Trust is important, and have network that don't judge you. How we are educated and how we have been brought up, help us cope with failure. Our competitive nature comes to work environment. Fundamentally women hold themselves for accountable, so it's important to get others opinion. 

You might not be best at everything, but have fun, work hard, and understand the situation and get best from the team. Understand what make you tick. If you know what makes your tick, and you can influence around you, then as a team you can crack solutions. Women are bad at admitting when money is important. It's all about being confident to be brave. 

What can we do to build each other up? When Women come after break, or is unsure if they should come back, give them the support. Keep in touch day. 

What do you do, to grow as a leader? Listen a lot more, though talk as well. Go all the way down, help understand others. Mentoring help learn and be connected, not just the mentee is benefited but the mentor as well. Keep open mind, have ideas alive, understand what you like and how things are changing. Give room for other to grow, share love, understanding and grow with each other. Sometime you have to bite your tongue and keep going, sometime people because of their prejudice or lack of confidence, which is a problem with them, try to show you down. 



Kate Perry song -  "I picked up every piece...And landed on my feet... I’m wide awake... Need nothing to complete myself", the lyrics from the song Wide Awake.

(5) Katy Perry - Firework (Lyrics) - YouTube

"Firework"


Do you ever feel like a plastic bag

Drifting through the wind

Wanting to start again?

Do you ever feel, feel so paper-thin

Like a house of cards, one blow from caving in?


Do you ever feel already buried deep

Six feet under screams but no one seems to hear a thing

Do you know that there's still a chance for you

'Cause there's a spark in you?


You just gotta ignite the light and let it shine

Just own the night like the 4th of July


'Cause, baby, you're a firework

Come on, show 'em what you're worth

Make 'em go, "Ah, ah, ah"

As you shoot across the sky


Baby, you're a firework

Come on, let your colors burst

Make 'em go, "Ah, ah, ah"

You're gonna leave 'em all in awe, awe, awe


You don't have to feel like a wasted space

You're original, cannot be replaced

If you only knew what the future holds

After a hurricane comes a rainbow


Maybe a reason why all the doors are closed

So you could open one that leads you to the perfect road

Like a lightning bolt your heart will glow

And when it's time you'll know


You just gotta ignite the light and let it shine

Just own the night like the 4th of July


'Cause, baby, you're a firework

Come on, show 'em what you're worth

Make 'em go, "Ah, ah, ah"

As you shoot across the sky


Baby, you're a firework

Come on, let your colors burst

Make 'em go, "Ah, ah, ah"

You're gonna leave 'em all in awe, awe, awe


Boom, boom, boom

Even brighter than the moon, moon, moon

It's always been inside of you, you, you

And now it's time to let it through, -ough, -ough


'Cause, baby, you're a firework

Come on, show 'em what you're worth

Make 'em go, "Ah, ah, ah"

As you shoot across the sky


Baby, you're a firework

Come on, let your colors burst

Make 'em go, "Ah, ah, ah"

You're gonna leave 'em all in awe, awe, awe


Boom, boom, boom

Even brighter than the moon, moon, moon

Boom, boom, boom

Even brighter than the moon, moon, moon



So what do you choose to challenge? 

The Art of Expressing Yourself

 To live a full life, we must lose our fear of being wrong. 

  • Discover your hidden purpose
  • Fuel your hidden passion
  • Express yourself like never before
  • Live life like it's an art.

MyPersona - CEO; Supriya Padmanabhan - Making authentic leadership easy. You can contact her at supriya.padmanabhan@mypersona.in; or find her in linkedin: 

Supriya Padmanabhan - CEO and Chief Amazement Officer at My Persona - My Persona | LinkedIn

Given a word, we are told to write the first word, that comes to our mind on seeing the word, on writing the second word, we are told to write the third word. This exercise was done first with:

1) Me 

2) Women

After 5 thoughts, each came with different word. 

Discover your differentiator. Get an insight into your authentic self that sets your apart. Chang the way you connect with yourself and with people. 

We have folders/files in our mind and without realizing, we keep filling those folder. Connecting with yourself, is filling those folders. 

Example : Success might mean coming first to some. But after a point if the person stop coming first, might feel bad, so will have to change. Recognize if the folder is working.  Having an opinion that mattered and is sorted after. 

Are we celebrating who you are? 

Women for some mean being super women, doing everything. 

What's your authentic significance?

Adam Leipsic. - Found people who had everything but not happy, and then there were people who were happy - they are those who found their purpose. (I am your favorite hello, I am your hardest good bye)

1) If time and money were not an issue, what would you love to do?

2) Why? It helps me feel/it improves my ability to.......

3) You may not be an expert in this, you love to have conversation about it, and people love to talk to you about this,?

4) How do people change or transform as a result? Start your answer with they feel.......

You will get answer to:

"I help people feel..........."

If you go through your life, and analyze how you make people feel, there is a part of you, operating on default. You use your talents by default. 


This exercise help the trainer to realize - that she help people express themselves better. 

How we go about it would be different with different groups. 

We have been doing it unmindfully; if we do it mindfully; it would really help.

Be authentic. You will be effective, in connecting with people. We talk at each other, and not with each other, if we talk with each other, you will understand their feelings.

Not all say, 'I love you', Mom might say, ' You please eat'; that's because she want's to make us feel that she love us.  Because that is in her folder. If we force her to change, she will get confused, she has to do it herself. 

video: Ad for google - finding old friend lost during partition, by granddaughter, and making grandparents meet - without talking about search engine . 

You will not be remembered for all the certifications and designations, but how you make people feel. 

Operate from that space mindfully. 

Don't change or try to change other - let it happen when you get married. If you feel you want to change others, and it is not happening, ask the question, and find what you want to receive. Understand your folder, and try to change that. It does not change, it evolves. It adds dimensions and depth.

Your authentic self don't stay in the same zone. Discover your hidden purpose, Fuel your hidden passion, Express yourself like never before.

Friday, March 05, 2021

Anandam



Distributed by LJ (Lal Jose) Films, from the production company Habit of Life, produced by Vineeth Srinivasan and directed by Ganesh Raj, the message given in the beginning of the movie is if you have to go far, you have to go together.

Kule rasto pe, dabhe pavoo say, safar karthe ja....safar karthe ja....Door jana hey tho sath chal sathyee....was an amazing song, from the movie at 

As stated in wikipedia is the story revolves around a group of seven friends who embark on their first IV tour (Industrial Visit) of their college life and how it affects small to large changes in their mellow lives. "Rockstar" Gautham, Kuppi (K. Unnikrishnan Pillai), Devika (aka Devooty), Diya, Darshana, Varun and Akshay, along with a group of 33 classmates and two faculty members (Chacko Sir and Lovely Miss) travel to Hampi via Mysuru and then to Goa for the New Year's Eve. Varun organizes the trip as he's recommended by the whole class.

Gautham and Devika are the lovebirds of the group, with Gautham's talent in western music being the spark kindling the relationship. While Gautham is no longer interested in western music and wish to pursue Hindustani classical music; he is forced to mask that part of his identity from Devika for the fear of how her reaction will be. Diya with her lovely nature had been the fascination of Akshay's dreams for a long time, which is known to everyone, except her. The lively nature of Diya had attracted many others in the past (including Varun, known only to Kuppi), who obviously confess their feelings only to get turned down as she never adds a different colour to her friendships. Akshay, being apprehensive, never wishes to do the same and hopes that she likes him on her own terms. He never even talks to her and his friends recommend that he can never pray for a better chance than their first year IV. Akshay is also hunted by many fears including fear of water, fear of heights, among others; but the worst one being his fear of future, as he is often being compared with his successful elder brother, Akash, who set the standards too high. Varun had earlier confessed his feelings to Diya, who rejected the proposal hoping to remain friends. With a feeling of insult, he couldn't do that anymore, leading him to his familiar trait of anger and distant nature. He even remains hostile to another classmate who has a crush on him. The girl, on various occasions, tries to approach him, but each time he dispassionately avoids her. In spite of his cold attitude, he is respected among his friends and classmates alike for his discipline and efficiency. He is often too detached from the group carrying on with his responsibilities, that it comes to the notice of even their bus driver, Josettan. Diya, whose parents just got divorced joins the trip as an escape from her distress. She doesn't reveal about the divorce to her dear friends – Devika and Darshana or any others for the fear of their sympathy, which can make the situation even more difficult on her. She easily manages to hide her secrets in her cheerful semblance. Kuppi's only intention coming for the IV was to have a good time with his three best friends, which is often denied due to the occurrences around him. Darshana, a reserved person by nature, thinks the world of her friends, being a silent partner in all their activities and a curious observer to all the happenings around them. Her only outlet of emotions is her sketchbook that she holds dear and private.

During the trip, Diya succeeds in talking to Varun. She resolves their differences to slowly gain back her old friend. Akshay's friends manage to seat Diya near him during the overnight journey to Goa, whereby Akshay finally gets a chance to privately talk to her. They converse through the night, where Diya grows fond of someone for the first time. With a little nudge from her friends, Diya starts to reciprocate Akshay's feelings. Coming to know of Akshay's irrational fears, Diya gets him to face his fears, starting with the adventure sport of bungee jumping. With his first fear conquered, he does the same with his next by finally confessing his feelings to Diya, which she welcomes.

Diya opens up about her parent's divorce to Akshay, which he accidentally reveals to Gautham and through him to Devika, who openly consoles Diya revealing the secret to the whole group. At the same time, Kuppi in a state of intoxication reveals every other secrets about the group – Diya's relation with Akshay, Varun's proposal and Gautham's fear, to everyone else. Offended, Diya retreats to her room. Coming back to his senses, Kuppi realizes how bad his act was. On the next day (also the last day of the trip), Kuppi apologizes to his best friends revealing how tough it was for him to be denied their presence and they reconcile. Gautham reveals his interests to Devika, who gradually accepts and share in his likes. Meanwhile, Varun learns that their expensive tickets to the New Year's party are fake. To his surprise, no one blames him and the group now has a huge task to search for another party.


Diya still stays away from the group, mainly because she can't come to grips with her mother leaving her father. She doesn't talk to anyone including Akshay, much to the dismay of the group. During the search for a party, Akshay runs into his "ideal" brother, Akash, partying in Goa. Although astonished at the find, they share a talk, whereby Akshay no longer fears for his future. With his brother's help he finds an Origami themed party for the night (as Diya likes them). On Akshay's initiative, his professor instigates a talk between Diya's father and Diya, over the phone. Her father reveals the facts behind the divorce and she gets told that the divorce is not that difficult on him, as she imagines it to be. With a feeling of relief despite being sad, she finally rejoins the group for the party. During the party, Darshana shows Diya her sketchbook, which reveals how Akshay and Diya filled her thoughts of late and how happy she was, when she was with him. Diya confesses her feelings to Akshay, rekindling their relationship. Also, Varun apologizes to Diya for his prolonged unfriendly behaviour. He then joins the group for the first time, to celebrate the New Year after Josettan tells him "you can never find time for happiness if you wait for your responsibilities to end, as time slips through your fingers before you even know it."

Back in college, the 'changed' Akshay and Diya are now a couple. Varun is more friendly and content. Kuppi pursues a photography initiative with his new girlfriend Cathy, whom he met whilst on the trip. Devika developed a liking for Indian music, like Gautham and he, on the other hand, overcame his fear of needles to get a couples tattoo with Devika. Darshana is more open about her drawings to her intimate friends.


Remember how excited Christy was after watching the movie and she kept telling I should watch it, but somehow missed it; now Thanks to hubby and OTT, stumbled upon this during lock down, and it was quite entertaining and nostalgic. 

Wednesday, March 03, 2021

Crime and Punishment by Fyodor Dostoyevsky

 "From a hundred rabbits you can't make a horse, a hundred suspicions don't make a proof."  Fyodor Dostoyevsky in Crime and Punishment. This is my 24th of 2021. Written in 1866, this comes under the Genre of Philosophical novel, Psychological fiction and Crime Fiction. Murder because of Ideological Intoxication and the guilt that follows is the crux of the novel. 


Story below from wikipedia:

Part 1

Rodion Romanovich Raskolnikov, a former law student, lives in extreme poverty in a tiny, rented room in Saint Petersburg. Isolated and antisocial, he has abandoned all attempts to support himself, and is brooding obsessively on a scheme he has devised to murder and rob an elderly pawn-broker. On the pretext of pawning a watch, he visits her apartment, but remains unable to commit himself. Later in a tavern he makes the acquaintance of Semyon Zakharovich Marmeladov, a drunkard who recently squandered his family's little wealth. Marmeladov tells him about his teenage daughter, Sonya, who has become a prostitute in order to support the family. The next day Raskolnikov receives a letter from his mother in which she describes the problems of his sister Dunya, who has been working as a governess, with her ill-intentioned employer, Svidrigailov. To escape her vulnerable position, and with hopes of helping her brother, Dunya has chosen to marry a wealthy suitor, Luzhin, whom they are coming to meet in Petersburg. Details in the letter suggest that Luzhin is a conceited opportunist who is seeking to take advantage of Dunya's situation. Raskolnikov is enraged at his sister's sacrifice, feeling it is the same as what Sonya felt compelled to do. Painfully aware of his own poverty and impotence, his thoughts return to his idea. A further series of internal and external events seem to conspire to compel him toward the resolution to enact it.

In a state of extreme nervous tension, Raskolnikov steals an axe and makes his way once more to the old woman's apartment. He gains access by pretending he has something to pawn, and then attacks her with the axe, killing her. He also kills her half-sister, Lizaveta, who happens to stumble upon the scene of the crime. Shaken by his actions, he steals only a handful of items and a small purse, leaving much of the pawn-broker's wealth untouched. Due to sheer good fortune, he manages to escape the building and return to his room undetected.

Part 2

In a feverish, semi-delirious state Raskolnikov conceals the stolen items and falls asleep exhausted. He is greatly alarmed the next morning when he gets a summons to the police station, but it turns out to be in relation to a debt notice from his landlady. When the officers at the bureau begin talking about the murder, Raskolnikov faints. He quickly recovers, but he can see from their faces that he has aroused suspicion. Fearing a search, he hides the stolen items under a building block in an empty yard, noticing in humiliation that he hasn't even checked how much money is in the purse. Without knowing why, he visits his old university friend Razumikhin, who observes that Raskolnikov seems to be seriously ill. Finally he returns to his room where he succumbs to his illness and falls into a prolonged delirium.

When he emerges several days later he finds that Razumikhin has tracked him down and has been nursing him. Still feverish, Raskolnikov listens nervously to a conversation between Razumikhin and the doctor about the status of the police investigation into the murders: a muzhik called Mikolka, who was working in a neighbouring flat at the time, has been detained, and the old woman's clients are being interviewed. They are interrupted by the arrival of Luzhin, Dunya's fiancé, who wishes to introduce himself, but Raskolnikov deliberately insults him and kicks him out. He angrily tells the others to leave as well, and then sneaks out himself. He looks for news about the murder, and seems almost to want to draw attention to his own part in it. He encounters the police official Zamyotov, who was present when he fainted in the bureau, and openly mocks the young man's unspoken suspicions. He returns to the scene of the crime and re-lives the sensations he experienced at the time. He angers the workmen and caretakers by asking casual questions about the murder, even suggesting that they accompany him to the police station to discuss it. As he contemplates whether or not to confess, he sees Marmeladov, who has been struck mortally by a carriage. He rushes to help and succeeds in conveying the stricken man back to his family's apartment. Calling out for Sonya to forgive him, Marmeladov dies in his daughter's arms. Raskolnikov gives his last twenty five roubles (from money sent to him by his mother) to Marmeladov's consumptive widow, Katerina Ivanovna, saying it is the repayment of a debt to his friend.

Feeling renewed, Raskolnikov calls on Razumikhin, and they go back together to Raskolnikov's building. Upon entering his room Raskolnikov is deeply shocked to see his mother and sister sitting on the sofa. They have just arrived in Petersburg and are ecstatic to see him, but Raskolnikov is unable to speak, and collapses in a faint.

Part 3

Razumikhin tends to Raskolnikov, and manages to convince the distressed mother and sister to return to their apartment. He goes with them, despite being drunk and rather overwhelmed by Dunya's beauty. When they return the next morning Raskolnikov has improved physically, but it becomes apparent that he is still mentally distracted and merely forcing himself to endure the meeting. He demands that Dunya break with Luzhin, but Dunya fiercely defends her motives for the marriage. Mrs Raskolnikov has received a note from Luzhin demanding that her son not be present at any future meetings between them. He also informs her that he witnessed her son give the 25 rubles to "an unmarried woman of immoral behavior" (Sonya). Dunya has decided that a meeting, at which both Luzhin and her brother are present, must take place, and Raskolnikov agrees to attend that evening along with Razumikhin. To Raskolnikov's surprise, Sonya suddenly appears at his door. Timidly, she explains that he left his address with them last night, and that she has come to invite him to attend her father's funeral. As she leaves, Raskolnikov asks for her address and tells her that he will visit her soon.

At Raskolnikov's behest, Razumikhin takes him to see the detective Porfiry Petrovich, who is investigating the murders. Raskolnikov immediately senses that Porfiry knows that he is the murderer. Porfiry, who has just been discussing the case with Zamyotov, adopts an ironic tone during the conversation. He expresses extreme curiosity about an article that Raskolnikov wrote some months ago called 'On Crime', in which he suggests that certain rare individuals—the benefactors and geniuses of mankind—have a right to 'step across' legal or moral boundaries if those boundaries are an obstruction to the success of their idea. Raskolnikov defends himself skillfully, but he is alarmed and angered by Porfiry's insinuating tone. An appointment is made for an interview the following morning at the police bureau.

Leaving Razumikhin with his mother and sister, Raskolnikov returns to his own building. He is surprised to find an old artisan, whom he doesn't know, making inquiries about him. Raskolnikov tries to find out what he wants, but the artisan says only one word – "murderer", and walks off. Petrified, Raskolnikov returns to his room and falls into thought and then sleep. He wakes to find another complete stranger present, this time a man of aristocratic appearance. The man politely introduces himself as Arkady Ivanovich Svidrigailov.

Part 4

Svidrigailov indulges in an amiable but disjointed monologue, punctuated by Raskolnikov's terse interjections. He claims to no longer have any romantic interest in Dunya, but wants to stop her from marrying Luzhin, and offer her ten thousand roubles. Raskolnikov refuses the money on her behalf and refuses to facilitate a meeting. Svidrigailov also mentions that his wife, who defended Dunya at the time of the unpleasantness but died shortly afterwards, has left her 3000 rubles in her will.

The meeting with Luzhin that evening begins with talk of Svidrigailov—his depraved character, his presence in Petersburg, the unexpected death of his wife and the 3000 rubles left to Dunya. Luzhin takes offence when Dunya insists on resolving the issue with her brother, and when Raskolnikov draws attention to the slander in his letter, Luzhin becomes reckless, exposing his true character. Dunya tells him to leave and never come back. Now free and with significant capital, they excitedly begin to discuss plans for the future, but Raskolnikov suddenly gets up and leaves, telling them, to their great consternation, that it might be the last time he sees them. He instructs the baffled Razumikhin to remain and always care for them.

Raskolnikov proceeds to Sonya's place. She is gratified that he is visiting her, but also frightened of his strange manner. He asks a series of merciless questions about her terrible situation and that of Katerina Ivanovna and the children. Raskolnikov begins to realize that Sonya is sustained only by her faith in God. She reveals that she was a friend of the murdered Lizaveta. In fact, Lizaveta gave her a cross and a copy of the Gospels. She passionately reads to him the story of the raising of Lazarus from the Gospel of John. His fascination with her, which had begun at the time when her father spoke of her, increases and he decides that they must face the future together. As he leaves he tells her that he will come back tomorrow and tell her who killed her friend Lizaveta.

When Raskolnikov presents himself for his interview, Porfiry resumes and intensifies his insinuating, provocative, ironic chatter, without ever making a direct accusation. With Raskolnikov's anger reaching fever pitch, Porfiry hints that he has a “little surprise” for him behind the partition in his office, but at that moment there is a commotion outside the door and a young man (Mikolka the painter) bursts in, followed by some policemen. To both Porfiry and Raskolnikov's astonishment, Mikolka proceeds to loudly confess to the murders. Porfiry doesn't believe the confession, but he is forced to let Raskolnikov go. Back at his room Raskolnikov is horrified when the old artisan suddenly appears at his door. But the man bows and asks for forgiveness: he had been Porfiry's “little surprise”, and had heard Mikolka confess. He had been one of those present when Raskolnikov returned to the scene of the murders, and had reported his behavior to Porfiry.

Part 5

Raskolnikov attends the Marmeladovs' post-funeral banquet at Katerina Ivanovna's apartment. The atmosphere deteriorates as guests become drunk and the half-mad Katerina Ivanovna engages in a verbal attack on her German landlady. With chaos descending, everyone is surprised by the sudden and portentous appearance of Luzhin. He sternly announces that a 100-ruble banknote disappeared from his apartment at the precise time that he was being visited by Sonya, whom he had invited in order to make a small donation. Sonya fearfully denies stealing the money, but Luzhin persists in his accusation and demands that someone search her. Outraged, Katerina Ivanovna abuses Luzhin and sets about emptying Sonya's pockets to prove her innocence, but a folded 100-ruble note does indeed fly out of one of the pockets. The mood in the room turns against Sonya, Luzhin chastises her, and the landlady orders the family out. But Luzhin's roommate Lebezyatnikov angrily asserts that he saw Luzhin surreptitiously slip the money into Sonya's pocket as she left, although he had thought at the time that it was a noble act of anonymous charity. Raskolnikov backs Lebezyatnikov by confidently identifying Luzhin's motive: a desire to avenge himself on Raskolnikov by defaming Sonya, in hopes of causing a rift with his family. Luzhin is discredited, but Sonya is traumatized, and she runs out of the apartment. Raskolnikov follows her.

Back at her room, Raskolnikov draws Sonya's attention to the ease with which Luzhin could have ruined her, and consequently the children as well. But it is only a prelude to his confession that he is the murderer of the old woman and Lizaveta. Painfully, he tries to explain his abstract motives for the crime to the uncomprehending Sonya. She is horrified, not just at the crime, but at his own self-torture, and tells him that he must hand himself in to the police. Lebezyatnikov appears and tells them that the landlady has kicked Katerina Ivanovna out of the apartment and that she has gone mad. They find Katerina Ivanovna surrounded by people in the street, completely insane, trying to force the terrified children to perform for money, and near death from her illness. They manage to get her back to Sonya's room, where, distraught and raving, she dies. To Raskolnikov's surprise, Svidrigailov suddenly appears and informs him that he will be using the ten thousand rubles intended for Dunya to make the funeral arrangements and to place the children in good orphanages. When Raskolnikov asks him what his motives are, he laughingly replies with direct quotations of Raskolnikov's own words, spoken when he was trying to explain his justifications for the murder to Sonya. Svidrigailov has been residing next door to Sonya, and overheard every word of the murder confession.

Part 6

Razumikhin tells Raskolnikov that Dunya has become troubled and distant after receiving a letter from someone. He also mentions, to Raskolnikov's astonishment, that Porfiry no longer suspects him of the murders. As Raskolnikov is about to set off in search of Svidrigailov, Porfiry himself appears and politely requests a brief chat. He sincerely apologises for his previous behavior and seeks to explain the reasons behind it. Strangely, Raskolnikov begins to feel alarmed at the thought that Porfiry might think he is innocent. But Porfiry's changed attitude is motivated by genuine respect for Raskolnikov, not by any thought of his innocence, and he concludes by expressing his absolute certainty that Raskolnikov is indeed the murderer. He claims that he will be arresting him soon, but urges him to confess to make it easier on himself. Raskolnikov chooses to continue the struggle.

Raskolnikov finds Svidrigailov at an inn and warns him against approaching Dunya. Svidrigailov, who has in fact arranged to meet Dunya, threatens to go to the police, but Raskolnikov is unconcerned and follows when he leaves. When Raskolnikov finally turns home, Dunya, who has been watching them, approaches Svidrigailov and demands to know what he meant in his letter about her brother's “secret”. She reluctantly accompanies him to his rooms, where he reveals what he overheard and attempts to use it to make her yield to his desire. Dunya, however, has a gun and she fires at him, narrowly missing: Svidrigailov gently encourages her to reload and try again. Eventually she throws the gun aside, but Svidrigailov, crushed by her hatred for him, tells her to leave. Later that evening he goes to Sonya to discuss the arrangements for Katerina Ivanovna's children. He gives her 3000 rubles, telling her she will need it if she wishes to follow Raskolnikov to Siberia. He spends the night in a miserable hotel and the following morning commits suicide in a public place.

Raskolnikov says a painful goodbye to his mother, without telling her the truth. Dunya is waiting for him at his room, and he tells her that he will be going to the police to confess to the murders. He stops at Sonya's place on the way and she gives him a crucifix. At the bureau he learns of Svidrigailov's suicide, and almost changes his mind, even leaving the building. But he sees Sonya, who has followed him, looking at him in despair, and he returns to make a full and frank confession of the murders.



Epilogue

Due to the fullness of his confession at a time when another man had already confessed Raskolnikov is sentenced to only eight years of penal servitude. Dunya and Razumikhin marry and plan to move to Siberia, but Raskolnikov's mother falls ill and dies. Sonya follows Raskolnikov to Siberia, but he is initially hostile towards her as he is still struggling to acknowledge moral culpability for his crime, feeling himself to be guilty only of weakness. It is only after some time in prison that his redemption and moral regeneration begin under Sonya's loving influence.

A Bank for the Buck by Tamal Bandyopadhyay

The story of the birth and growth of India's most valued Bank - HDFC Bank Ltd. by Tamal Bandyopadhyay was my 23rd of 2021. The introduction of each Membership of the leadership team was like a Movie. Engrossing and Captivating. 



HDFC has been a unique institution from the start. Deepak Parekh was the puppet master of the show as far as initial recruitment was concerned. It was his dream to create a bank which addressed the volume of funds required by the private firms and also the service quality of the foreign banks. He decided that the lynch pin of the group will be Mr Aditya Puri. Mr Puri was working in Citibank then with salary and facilities that HDFC had no way to match. Mr Parekh was straightforward about the pay and made it clear from the start that he had nothing to offer apart from stock options. He also invoked a sense of patriotism by asking Aditya to come and do something for the country. As Mr Puri came aboard he requested for minimum interference by Deepak and the parent company and let him build a bank. From there on, the reins were transferred to Mr Puri. Deepak did have a back up candidate in mind, who was gracefully, told of the vacancy not being available. Aditya managed to recruit the next 12 employees who would become the pillars upon which the bank would stand.  There were employee turnover over the years. With initial focus on Corporate Banking, the focus was widened to Retail Banking and Investment Banking as well. The focus was always on the bottom line, and on increasing the shareholders wealth, and not fattening the top line. The challenge is to keep the cost of deposits low and the net interest margin (NIM) high. CASA play an important role in lowering the cost of deposit. 

While going through the story, I came across the real difference in the working of HDFC and HDFC bank. HDFC, the parent company is a mortgage company whereas the subsidiary is a bank. Mortgage companies issue loans against securities and HDFC, as the name suggests, used to provide finance for housing. They raise funds by securitising the property papers. There were also discussions upon the issue that whether HDFC should hand over its housing finance to the bank and itself should become a holding company. If it would've proceeded with the idea, all the subsidiaries including the bank, insurance and asset management company would've paid dividend to the holding company. But because of the tax laws and the independent existence of both the entities, HDFC still continues to provide housing finance with a deal on place that whatever products they sell, HDFC bank can buy 70% those loans. It is commendable that the relation between the parent and the kid is still cordial as it can be easily blamed that the kid has encroached upon the brand name. It could've easily resulted in feud or a deal similar to TATA's in which all the subsidiaries would've to pay licensing fee for using the brand name but no such thing happened. We have stories on how reducing operating cost was the focus right from the beginning, and employees were asked to bring their own tea cup.

Deepak Parekh, even after being the originator of the idea of the whole bank has never been an official part of this bank in any capacity be it being a board member, or non-executive chairman etc. He has always been a guiding force to the bank through various other boards of which he is an influential member including the board of the bank's parent HDFC. He helped the bank from outside by cajoling the initial corporate firms to bank with HDFC which provided with with the much needed funds to issue advances. There are stories of how two merges were done, and valuation arrived at. 

At first glance, it might seem that everything in this bank is all about either Deepak Parekh or Aditya Puri, but the the A-team(The dirty dozen as Aditya likes to call them) was the one which pulled off this amazing stories. Many of those members have left the bank but they they did their job and did it diligently. Legend has it that Aditya still comes everyday at 9 in the morning and leaves at 5.30 and was when asked about the truth, he flatly says: 9 hours are enough to do the job, he was a quick decision maker, and most important thing, is he was always interested in Ladoos only and No Nonsense. According to him, banking is all about common sense, and he had it in abudance. He could change his area quickly in sync with the organizational demand and did not stick to the comfort zone. 

Why do some companies thrive in uncertainty, even chaos, and others do not? The successful leaders  aren't the most 'visionary' or the biggest risk-takers; instead they tend to be more empirical and disciplined. They rely on evidence over gut instinct and prefer consistent gains to blowout winners. Successful companies are definitely not more innovative than others. They don't always adopt internal changes as a response to change in Environment. 

HDFC had great growth over the years, with market opening up in 1994, there were 10 licenses given to new players, and notable among them where  HDFC, ICICI, IDBI, UTI, Global Trust Bank , Centurion Bank. ICICI was risk taker, and started with a bang, HDFC did things in a measured way, they do things which are tried and tested, and they do them exceptionally well. Most of the new companies have merged with the parent, but HDFC remains separate. 

Deepak and Aditya enjoy power with responsibility, they keep an eye on the performance of the Bank, empowering people, giving them freedom and recruiting right people on the job. The first culture was a mix of CitiBank and Bank of America, as that is where most of the top management came from, and then after merger, there were employees from the Times Bank and CBOP as well.  Interestingly  I read it at a time when the MD of the bank was the largest serving,  with exceptional  extension for service,  and the position  was back filled by CFO.



HDFC Bank is not merely a story of entrepreneurship. It's a testimony to what new India can do - what can happen when passion for excellence merges with high corporate governance. It has not done anything unique. Doing very ordinary things in ordinary ways, with extraordinary execution and redefining the distinction between real risks and perceived risks are what make HDFC Bank different from the rest. The employees there has a pride in the company they work for, and speak high about the bank, which by itself says volumes about the company. If not for Prasanth who has been with the company since 2005, had not recommended the book to me, I would not have read this. Thank you Prasanth.