Housing loan - Tips for Saving Money ₹...

Housing loan.. Mortgage loan.. Bank 🏦 loan.. you name it.. Read this post to save money..

There are many ways you can save your interest money when repaying your housing loan.. Here are few good ways you can save your interest money on housing loan.. 

These are small details which not all banker will give you, But I do because I would like to honor your Hard earned money.. You deserve to enjoy this. All I’m saying is, if you have a housing loan.. read this blog until the end and save money today.

A) Easy way - Change your loan interest mode from Fixed to Floating (At least take effort and check to see what mode is your loan on) Believe me many may not aware of this as you ask, even though they are paying EMI for many years..

B) Lengthy way - Switch loan to completely different bank 🏦.. Say for example.. Private to Public sector bank 🏦 this method can save interest % immediately.. + the Easy way of floating interest rate to save further in case RBI reduces the interest rate over night when you sleep.. 😇

At this point you may have a question in your mind.. Caveat: What if RBI increases the housing loan interest rate, will that increase my interest rate as well.. Yes! Increase in most loans.

Look at some trending to have a feel of the spike and dip.. 

Here’s a snapshot of all the repo rate changes that have occurred since October 2005: 

Updated On Repo Rate

22 May 2020 4.00%

27 March 2020 4.40%

04 October, 2019 5.15%

07 August, 2019 5.40%

06 June, 2019     5.75%

04 April, 2019     6%

07 February, 2019 6.25%

01 August, 2018 6.50%

06 June, 2018     6.25%

07 February, 2018 6.00%

02 August, 2017 6.00%

04 October, 2016 6.25%

05 April, 2016     6.50%

29 September, 2015 6.75%

02 June, 2015     7.25%

04 March, 2015 7.50%

15 January, 2015 7.75%

28 January, 2014 8.00%

29 October, 2013 7.75%

20 September, 2013 7.50%

03 May, 2013     7.25%

17 March, 2011 6.75%

25 January, 2011 6.50%

02 November, 2010 6.25%

16 September, 2010 6.00%

27 July, 2010 5.75%

02 July, 2010 5.50%

20 April, 2010     5.25%

19 March, 2010 5.00%

21 April, 2009     4.75%

05 March, 2009 5.00%

05 January, 2009 5.50%

08 December, 2008 6.50%

03 November, 2008 7.50%

20 October, 2008 8.00%

30 July, 2008 9.00%

25 June, 2008 8.50%

12 June, 2008 8.00%

30 March, 2007 7.75%

31 January, 2007 7.50%

30 October, 2006 7.25%

25 July, 2006 7.00%

24 January, 2006 6.50%

26 October, 2005 6.25% 

 (Courtesy - Trending Source : RBI and BankBazaar)

C) Paying off the partial capital amount (online mode) - In case if you have reasonable cash flow from valid income source.. You have two options to choose from.. Reduce the tenure.. meaning number of years (or) Reduce the amount of interest you pay monthly.. I would recommend the first option as you can soon complete the loan and live free without any worries as these are strings attached to you.. There are some restrictions here.. You can make maximum of 6 emi worth of total amount can be paid over phone ☎️ / online by calling banks customer support. Don’t need to go to bank and expose yourself outside for safety reasons (COVID!!). Also, no need to produce the proof of income if you choose the online option of 6 emi worth of repayment. All you need is some time to talk to customer care.. Make sure you have this handy beforehand, 1) Loan account number 2) Debit Account number (Aka savings account) 3)Enough balance in your bank 🏦 account so you can allow the customer care executive to perform the request immediately. This is called service request and you may need to note 📝 down the service request number at the end of your call for tracking reasons.

D) Paying off the bulk capital amount (offline mode) - In case if you have lot of cash flow from valid income source. You need to visit bank 🏦 in person and initiate this request by writing ✍️ .. Things required beforehand. 1) Letter requesting the bank 🏦 manager to do this with self attested 2) Bulk funds in your debit account (Aka savings account) 3) Proof of income (Reason: As this is probably huge like few lakhs or even few millions you are bound to produce valid proof of income for banks to process your request)

Don’t stop 🛑 here.. continue reading 📖 if you wish to hear more interesting facts about moratorium and repo rates.. 

Moratorium - if you are affected by COVID and lost job or searching new job.. or for whatever reason look out for this word in news, you could get a temporary relief from paying your loans.. His doesn’t mean you don’t need to pay.. basically pay later option but definitely a gift 🎁 for affected individuals and their family.

Repo Rates - RBI's 4.4% repo rate lowest ever (as of March 27, 2020 12:30 PM IST)

Over the last decade, the basis for home loans changed a lot. Meaning, tbe reference rate. Banks had Prime lending rate, then Base rate was introduced, then marginal cost of lending rate and then now external benchmark rates. So depending on when someone took loan, the rate of interest is different. If someone feels that what they're currently paying is high, they can approach banks and ask for it to be changed to latest one. But banks have been reflecting RBI repo linked rates only for new loans. Not for existing loans. They're not mandated too, till the new one i.e. repo linked rates came. So the responsibility is on the borrower to check out latest rates in market and approach bank 🏦 . This is applicable to all public and private sector banks.

Being said that if you have a housing loan SAVE MONEY ₹ 💰 TODAY..!!

Note: Past performance may not reflect the future performance.. 

Enjoy reading..!

Karthik Rajasekaran

Can a virus change your life perspectives..!!?

Answer is YES!

Here is how..

Screen time! 

Complete reverse.. What happened to the recommended screen time for kids.. Ideally there is no way we can follow this. Nothing to complain! A Kindergartner is using more than 2 hours in a day, higher standard students are forced to use more than 4 hours in a day. A college student already started working like a IT guy who sits in front of monitor more than 8 hours in a day.

Car Pooling!

This was really great idea to save environment and save gas/money! People who work in same office or same locality do car pooling in the past. In USA many states has a dedicated fast line for cars which does car pooling (I meant more than 2 people in a car can use this line). Now we say, don't do car pooling for keeping the social distance. Maximum 2 people can travel in a car with the allowed social distancing. Due to corona out break we are not sure public transportation is safe anymore. Not sure who carries what..!?

Economy!

Due to corona out break, we know economy is upside down and many listed companies are hitting the X-axis in the graph who were always stayed in Y-axis in the share market graph..!  perspective of many businesses are changing. Business who completely depend on the outside social world entertainment is become questionable and they literally don't know how to run many business without having public gathering. I have to call out few cab services/tourism/entertainment/cinema you name it.. Many market analysts has to come out of a comfort zone and think twice to boost our economy. Reopening the economy doesn't mean Govt is not going to look after the affected people.. Govt should do both at the same time. That's the best way to handle this situation. Re-open the economy safely, slowly in green & yellow zones.

Value of human life!

I really hate just reopening economy without thinking about precious human life and public safety. Sorry to say this, but this is how the perspective towards the value of human life is changed today. When all this started last December 2019 in China.. Whole world was watching and everyone was pretty scared by seeing number of people died due to pandemic - epidemic - corona out break.. Not sure if China know this or not, but they did NOT warn other countries or WHO to alert whole nation about this pandemic and stop travels and lock borders.. so the people who were affected by this covid were exported to all over the world, like how China export their infinite goods to all over the world. Then slowly this spread in whole world and USA become the biggest victim of this COVID-19. Now I am not sure, do we really care about human lives are not. All we see is how to re-open the economy to save country from bankruptcy; less worry about the human lives. Lock down is getting relaxed in many states when complete LOCK DOWN! is the only known solution to block the chain of this infection until we find the vaccine for this. As I pen this down here is how many people infected and died respectively in USA TOTAL CASES 1,092,815 / TOTAL DEATHS 64,283.

(I am really thankful to the Indian govt who really cares about human lives and working really hard to block the chain by extending the lock down as much as possible. They are one among living example today who executed the formula of lock down much early in the cycle. Beyond that general public should also be strictly conservative and choosy to go outside only for essentials)

I may be contradicting myself with an earlier statement under Economy heading. Well! its debatable.. :) Don't stop here.. keep reading and don't miss the following interesting facts. 😉

PPE's - Face Masks & Sanitizers!

Personal Protective Equipment - Moving forward Face masks and sanitizers are a minimum required for survival and must have in every house hold. Usage of face masks are mandated across many countries and cities today.. You cant even imagine how much of PPE's we are about to be consuming and how much is needed for rest of the world.. One living example of Amazon gave a public statement that  they are gonna consume 100 million+ masks and many other PPE's just for one company..

• Provided 100 million+ masks to sites 
• Added 2,298 handwashing stations 
• Added 5,765+ janitorial staffers to our typical teams 
• Provided an additional 34 million gloves 
• Added 48 million ounces of hand sanitizer 
• Added 93 million sanitizing spray and wipes 
• Procured more than 31,000 thermometers and 1,115+ thermal cameras 

Courtesy from (Amazon Blog..)

Think twice before wasting a face mask / gloves / disinfectant wipes for non essentials.. Not just you need to go out only for essentials same way you need to consider using these PPE's only for essentials.. Please prepare your mind!

You Believe it or not, in my house hold I have all of these PPE's limited supply and its hard to get them outside now, it takes month time for delivery as these are in rocket high demand.

Cinema - Big Screen Entertainment!

Oscars change eligibility rules - With cinemas closed for the foreseeable future throughout most of the world, the Oscars are removing the prerequisite that films must have a theatrical release to be eligible for an Academy Award. This also means that we may not see movies for several years in a big screen rather.. We may be sitting in our couch with a bowl full of popcorn in your hand in front of your big flat LED screens to watch the digital release of movies (with a reasonable subscription possibly!) even though you will definitely miss the huge crowd cheering and laughing at a good scene Vs a great savings on the unreasonably priced food which we buy at the cinemas (Did we ever thought about how much we spend at food counter attached with a cinemas.. At least to my personal experience I spent more at the fooood counter than I pay for my movie tickets 😕 ..)

Family / Friends / Relatives!

Family is more closer than before. The evenings and whole weekend I can spend with my family. My wife and daughter is more happier than before.. The one known complaint my daughter puts in the table always is you are not spending time with me. Now that's solved! Me and my Daughter was able to do Jumba dance and I thought my daughter chess game.. I know its difficult but she is definitely picking up slowly. Also with my daughter playing cards now we have a extra hand. Some interesting games with playing cards. The two packs we had in our home was pretty old with many missing cards.. Then we ordered two pack of cards from Amazon shopping, when usually prime can deliver next day. It took more than two weeks to reach us as they are non essentials (understood!) Our whole family was eagerly expecting the delivery from Amazon and counting down the days to get that two new packs. Bokaro & Seven Cards are our favorite games are. Amazing feel..
Thanks to Zoom & Google hangout and many other free video conferencing apps.. Friends and relatives are more closer than before like close to our heart.. Even though we are far away from each other physically.. Virtually we are connected.! Wow! what a feel.. Group chit chats, Group calls, Group sharing their feelings each other. TRIVIA nights. People are more softer than before.. Giving importance for human and never take anything for granted. Even in my official calls first 5 mins are allocated for humans :).. We are caring each other more than before. Need of an hour though! 

World outside!

Pollution free, Population free, Congestion free, Accident free, Theft free, Robbery free, Abuse free..! At the same time our beautiful other living beings are enjoying the people free world with maximum happiness and for the first time ever after so many years the other living beings lived their life  to maximum extent peacefully.. As that's where their generation might have lived decades ago. Now we occupied their space and celebrating as ours.. Global warming may reduce during this pandemic. Ozone layer need some breathing time without too much carbon monoxide. We have polluted the world enough and world need some rest from it.

Accept the change of living!

This may be a sample of third world war.. Who knows! Think in that perspective. Forgot all non essentials for rest of your life. Look for only essentials and save money! Not just now.. Even after pandemic ends. Make us feel better. I think this will change or teach human the way we live.. no more luxuries.. stay simple and safe at home.. When business re-open, the social distancing still strictly need to be followed. Don't step out your home without a face mask and a hand glove. Spend for your safety not for luxury. If you have money for luxury consider donating them for COVID-19 relief fund :). Remember - social live is no longer physical, its virtual until we put a full stop for covid.

Robotics can help now! 

Its time we extend the usage of robots as they are resistance to this COVID or any other virus (Not computer virus though!). This is where companies can invest in and forcible future. You may think I am joking. This is true, we have a living example as Fortis hospital in Karnataka is using Robots for COVID-19 screening and beyond. Courtesy from Fortis Screening Robots

Thanks and Salute!

Our heart felt thanks to Doctors, nurses risking their life to save us, this is a real self less service.. Police who risk their life to keep us safe at home. Health ministry who work day and night to keep us healthy at the same time planning for everyone's betterment.. Thanks To all custodial and sanitation workers.. Thanks to all farmers, and for everyone who do social service during this pandemic.

Everything I said here is out of my personal and public knowledge. Hope things will change in few years realistically and we all be back to our regular social life. I am waiting.. (Illiya thalapathi style) Good luck to us!

#stay home #save lives

Happy Reading..

- Karthik Rajasekaran

Perfect check mate for the Black Money/Economy..!

Hats off to the Prime Minister of India Mr.Narendra Modi.. This is called Master secret plan and well executed long term plan.. I can feel the sequence of the steps the government took care to execute this master plan, Check mate for the population who has hidden black money.. 

1. Changes in Bank Deposits like people need to produce PAN, if they deposit more than 50K.
2. Everyone should have bank account.
3. To enforce #2, making the basic necessity of LPG's subsidiary to go in to your bank account, which enforced further more people to create a bank account. But may not be every citizen though!!
4. We must have heard the same topic from many general discussions from Mass Media and Social Media, about making no tender for big denomination currencies, but no one thought this would have been announced so quickly.
5. All of a sudden very polite announcement from government(May be shocking for many!!) saying INR denominations ₹500 & ₹1000 cannot be used and have to be exchanged before end of Dec 31st.
6. Also, see the apt time they announced this, exactly the day of Election in America, may or may not be related? I am hoping Mr. Modi ji government might've sensed that America will be Trumped sooner than later, Share markets may crash and $ value may fall. Well this situation is very favor for people hiding black money who can exchange their black money against $'s so that they can get more, which is impossible now!

Some of you may think this is just 40% well rest of the 60% may already converted in to $'s, £'s or €'s and kept safe in foreign banks.. The best plan to make this money unusable is strict rules and traditional methods in Swiss banks and other banks where all this money form the accounts can be withdrawn with very less daily limit basis, also the person belongs to the account should come to the bank and produce a check with self-signed to withdraw the money.. So that before the person can withdraw all the money he/she may become very old and die or become tired of doing this, this is somehow a psychological punishment to the people who involved in this Black Money/Economy.

I may be talking too much. But the same feeling must have there in every Indian citizen's mind who is not part of this Black Money/Economy :-), but only thing is not everybody know how to express started talking about the same topic and how this is going to help Indian this. However we have been already seeing in Social Media where many people economy?

Please do not complain about the difficulties we may face due to this, the inconvinience was well regreted by Prime Minister. Think few minutes to oversee the effect of this and how we can help stop the Black Money/Economy completely.

**** Perfect check mate for the Black Money/Economy..! ****

- I am sorry! If this article hurts someone reading..

Enjoy Reading..

- Karthik Rajasekaran

Biography - In the memory of my brother Sundu..!

Infant days..

I am two years old ‘he’ is not exist, I am four years old ‘his’ name is fetus, I am five years old ‘he’ born in the deep south India in state of Tamil Nadu a place called Oduvankuruchi. Yes that is where ‘his’ downtown where ‘he’ born and brought up. I am six years old ‘he’ is just turning one and ‘his’ naming ceremony was happened in Oduvankuruchi house. I still remember those days ‘he’ is sooo chubby and pink in color. He was originally named lengthy “Jaya Sundara Moorthi Chettiar” for remembrance of ‘his’ grandfather; and for birth registration ‘his’ parents registered ‘him’ as  Sundar. Most of my cousins, kith and kin's call him as short as Sundu!.. He born with a silver spoon; he grew up for few years in ‘his’ own downtown, in next few years his dad’s business picked up very well so he named a new shop in ‘his’ name ‘Sundar Store’. After that occasion ‘his’ mother also started involving in the business due to the pressing requirement of their business; so he was brought up in Namagiripet for few years. ‘His’ elder cousin named Kavitha akka she took care of him. When I ask about Sundu; she will say I can keep talking about his childhood days, he was so naughty in his whole childhood days and I still can’t forget any of them.

Childhood days..

Sundar inhabited with bunch of elder and younger cousins. He is now little grown up, for every annual leave occasion, we all gather in our grandmother’s house and stay there for at least couple of weeks those are unforgettable days. When sun rises in the morning all kids wake up and brush their teeth and wait in a queue for a single toilet or few of us do sacrifice J and move their bowl in to the plants.. My uncle was running sago pappad factory; for drying the pappad’s they had a very big ground called ‘kalam’ where all of us use to play after dusk, almost every one of us drove kids tri cycle there. Mostly the annual leave falls in the peak summer time so which is the apt season for Mango’s. Since my grandmother’s house is near Salem our uncle use to buy a buckets of mango’s for the kids and whole family.. since there were bunch of kids mostly we will have a lunch/dinner to-gether Kavitha akka/Hema pinni will prepare food in a same bowl and all kids/parents sit round-around them and she serve the small food balls in each of our hands. We kids use to have some snacks/side dish in our hands and bite it once before every time we get a food balls in our hand.. I am not lying, but the food tastes delicious during that time. After our lunch all kids grab a mango in our hands and move to kalam and start eating the mangoes. We store the mango seeds in the edges of the sheds/ top of the stone pillars for drying the seeds. We fought for the place to dry the mangoes and yell at each other’s saying; hey this is mine and that is yours.. Also we use to put some identification marks to claim that it is mine.. Very next day we all run to their seeds take them in to the Sago pappad factory and grill them in the coal flame once they are grilled well, take them out and wait for the heat to reduce. After some time we break the top shells and separate the seed inside and have them together.. The seed looks half cooked and tastes mild sweet & sour. Right after consuming them we run to drink water and the water tastes sour sweet which is an unique taste you can never experience in anything else. Our sweet kutty brother Sundu is also with us all this time..

Grownups..

Now Sundu is 10 years old, well he is not so good at studies however his sister does, almost most of the families two decades back this is the case or a curse I don’t know why? Always girls study and score well but not the boys however boys were so creative enough to write anything in the exam paper which is not just a photo copy of what the book says. However girls does that. Excuse girls/ladies.. Just for fun. May be this is the reason why boys does not score well. So, Sundu is not an exception and the same happened to him as well. Most of the families live in deep remote villages do this usually. The kids stay at hostel and do their schooling. Sunder and his sister did the same. I remember once upon a time, after completing the holidays Sundu has to go back to the hostel, my uncle and myself were planning to drop Sundu in to the hostel; but was so adamant and he is not willing to go back to the hostel and he jumped away from the two wheeler and crying a lot, then we somehow managed to make him sit in between his father and myself and went to his hostel cum schools in Rasipuram and dropped him.

Adolescence days..

Sundu is now 18 years old, somehow he managed to complete his 10^th grade and 12^th grade without any problem and with a reasonable score. He spoke to me and his parents and came to Singaaraaa Chennai for his higher studies, he joined Sathyabama university and decided to do BCA course just like me. During that time I was working in a Chennai based IT company, and his sister also working in Chennai, so we use to meet once in a while during this first year. Starting second year or so he decided to come out and stay with me. I was living with my friends in a rented house and Sundu was staying with us. Myself, Sundu and my friends had good time, 5 days back to back work and college and weekends having lot of fun and folic.. Days were moving Sundu completed his final year with some reasonable score.

Maturity days..

Sundu is no longer a kid, he is so matured nowadays and he discussed with me and his sister and parents then he himself decided to do post-graduation studies in DG Vaishnava college in Chennai, Well by this time few bunch of our cousins also in Chennai either working in IT company or doing their graduation. Wow, this is a an awesome period where we all were matured enough and often we meet during weekends and had lot of fun, movie outings, few bunch of lunch and dinner outings, beach & mall visits and so on and so forth.. My fingers are not enough to count :-). That would give you an impression of how much fun we had. I would say this must be best part of Sundu’s life with few bunch of Kith and Kin’s. By then Sundu become so professional and improving his skills in all possible ways to get placed on campus. After continued trails of interviews finally he went through in a renewed IT company and worked there for couple of years. He stood beside and helped many of our family members who traveled to abroad including myself. He was so cool guy and helpful to his friends in many ways.

Mysterious days..

Now Sundu is almost 25 years old.. All in a sudden one day I heard that he met an accident and admitted in the hospital. He experienced all sorts of pain at the back for 20+ days and I am pretty sure he went to Heaven as he experienced the hell when he was in the hospital itself. There were few bunch of his friends came forward to donate blood when he was ill, Looks like he was even helping one of his friends middle class family to continue their education and stuff like that. We came to know all this in later stage, which he did not tell anybody. See how great his thinking was? Shortly Sundu’s sorrow cannot be explained in words and we don’t know how to convince his family without him? :-(

I would love to dedicate this to my brother Sundu.. He is definitely living in all our hearts and he lives in all our hearts forever…

~ Karthik Rajasekaran

10000 Hours Rule is Not a Joke..! See how the opportunities work..!

Knowingly or unknowingly 10000 hours rule played a vital role in my life for the period of 9 years..! When I was doing my under-graduation and post-graduation, English language proficiency was must have to get a job offer and placement within campus interviews.. Until 12^th class I was just a piece of a dumb creature who does not know how to speak in English, however I loved Tamil language so much than any other language and scored well in Tamil exams :-), may be due to my teachers influence or the way of teaching Tamil was so interesting in my life (tamizhukkum amudhendru per!). “Thank you so much Sir! :-)”. Once we start our journey in under-graduation you are unlucky that you lose the rack of Tamil language learning. That’s the end of Tamil language learning for anybody unless otherwise if you happened to take literature as your major. From day one our professors use to tell us the importance of the English language and speaking skills for getting a job offer and stuff like that. Very few in a class may take this as serious thing and follow the same and do all sorts of thing to improve their English language proficiency. I am not pricing myself but I was one among them. Who took the importance of language proficiency very seriously and from the day one till the end of my last year I was talking in English with my class mates after entering in to the class, during the early few weeks of my under-graduation days my class mates were also responding in English when I ask them something; as I was stranger for them for a while they were responding in English and I was so happy about that, within few weeks slowly when we gain a rapport with others in the class the frequency of people responding in English was slowly reduced after couple of months looks like I am alone was talking in English and few others.. This situation may be very funny as you all know but still I was doing my part consistently for the whole semester, then slowly I started getting nick names ‘English Karthik’ & ‘Peter Karthik’ and so on and so forth.. Well, I did not stop talking in English though! Sorry folks I didn't mean it.

I tried all possible opportunities where I can continue interacting in English with my class mates. Luckily I become a class representative during second year or so, which give me more freedom to interact in English with class mates, Often I get an opportunity like taking attendance, reading circulars and passing announcements etc., So, days were moving like this. I got few opportunities to present seminars for the class also did a paper presentation out of college. After continuous trails of speaking in English for 3 years of under-graduation; during third year I appeared for few bunch of on campus interviews and I did not go through none of them. Well I did not fell for it so much and completed my under-graduation course.

Another two years of journey begun with Masters of computer science, in a different college and different group of people from various branch’s. In post-graduation I was a class representative from week 1, which gave me enough opportunities again to communicate in English for 1.5 years with my class mates, well the nick names still continues here as well!! During the end of third semester I again re-appeared for few bunch of on campus interviews and went through on campus and got the offer letter to start my journey in IT industry. Then I realized all my efforts were paid off.

Well, I did not stop there and joined the company in Chennai and continued my English speaking journey there in my first company as well, within 6 months period somehow I happened to be noticed out of few bunch of people and got an opportunity to appear for UK VISA Interview, cleared the same and traveled to UK and had an opportunity to work with one of the biggest Telecom Industry in UK. Most of my kith and kin's know that I did not stop there, after that first trip to UK I traveled few more times to UK, Israel and USA. Another instance in my life I felt once again my efforts were paid off again and again..!

When I looked back and thought about my journey, all these could be possible because of the English language communication did a major contribution and obviously other technical skills adds up..! So, Here I am a living proof of 10000 hours rule.. :-)

I should thank all my kith and kin's who stood throughout this journey, special credit to our Director of Software Quality Engineering head who inspired me to pen this down after I read his emails about 10000 hours rule..

Enjoy reading,

~ Karthik Rajasekaran

Eternity of my Baby's smile..!

It is a very long journey of an interesting and surprising 10 months in my life, right from the day I heard the good news from my wife till her delivery..

It was not so easy as I thought, The double extra care we took every moment, vast changes in her level of patience and the changes in food habits(no junk food!) and lifestyle of my wife, reducing travels, frequent checkups, vomiting effects, sleepless nights, unimaginable sacrifices for the new life. False pains, Pre and post labor pain, Though it gives lot of pleasure, It was so hard I would say.. Hats off to my wife..!

The expectation of the new life has drastically changed my lifestyle, increased my patience level and timing as well in a most positive ways, my friends know very well why I am saying this? Which was slightly touch in the beginning for me however I got used to it so quickly..

After the countdown starts in our mind, one fine day 18th july early morning I received a call saying my wife got admitted in the hospital, I am little nervous and don't know what to pack and what not, I was staying in my friend's house at that time. Just stood and started took a bike and bag headed to tambaram railway station there isn't a train available at that time, so parked the bike and went to bus station, only one Govt bus was available with couple of passengers it would take another hour for the bus to start, so took a cab to Trichy Janet Nursing Home and reached as soon as 11 am, my parents and relatives are staring at me, and they recapped the morning happenings.

Nervous moments, me and all were waiting waiting for the news.., I wanted to meet my wife but hospital rules does not allow me to do so, I was trying and finally got an idea of contacting her over phone and gave some moral support to her. After some 10 hrs doctor said your wife and we tried our best and decided to go for C Section, and I said okay and signed the forms, she was shifted to operation theatre around 3 pm on Friday eve, as soon she enters the operation theatre I heard my wife's screaming I was guessing it was for a Spinal cord shot, me and all become so nervous and hoping for the best. After 20 mins staff nurses came out one by one and green signaled that both are safe. I could see dozens of smiles :-) on the spot in all our faces. Interesting moments there were guesses going on whether is it a girl or boy!??

The doctor came out with my pinky pinku baby girl (kutty pandu - is my baby girl's pet name it was decided on the moment of seeing her) in a small complimentary pink bed. She gave the baby to my mom with a smile.

After few mins my wife came out in a half conscious state and sent straight to the ICU for a day. I went near my wife on her way to ICU and touched her fingers and said baby is so cute.

Just after that I carried my kutty pandu and climbed the steps to reach our room #25, not sure where I got that confidence from to carry the just born but I did it!.

After seeing my kutty pandu's smile I forget all the pain and enjoyed the Eternity of my Baby's smile..!

Tons and tons of hugs to my wife and kutty pandu I'm dedicating this lively blog to them. Never then ever I was so nervous in penning this down.

Enjoy reading,
~ Karthik

Where social networks leads to...!

History and evolution..

Its too early now, all famous social network sites are not more than a decade old I would say, Originally social network sites are developed for sharing the communication between very small group of people within the same category, it was a very little drop and now become a ocean.. Since internet was luxury early days all these social networks were used by reasonable amount of people within the country, later when the smart phones and internet on the go become commercial this social network was slowly started knitting a big woolen jacket, then within the last few bunch of years big mobile industry giants were capturing the whole world by simply touching or tapping the index finger on the TFT/LCD/LED screen the well known smartphone market!!.. Here comes the huge bump in the usage of the social networks and now the world is knitted with a mega size wollon jacket which can cover the whole world population! See how this can be visualized...

Now it evolved so much and any new app coming in the market with this category is grabbing the attention very soon and getting popular among the people! If we are not very cute in deciding what is important? or what is not? then Its a very easy we become an addict to this and it creates a kind of a disorder within us. It's time I would rather give a  very simple example here to make this point clear! the original intention the mobile phone is to make or receive calls and communicate from remotely, Now a days the incoming call dial tones are lesser importance than the ping sound we hear from the social network sites, we may pick up the incoming phone even little late but give most importance to the ping sounds from social networks. This may not be true for everyone or all times, as we do not respond to anything when we are at work which happened many times personally to me atleast! However this become a largely or unknowingly cultivated habit..!

It did not stop there, now many network service providers are started promoting the famous social network access for free of cost during nights, which is the time where people can spend more time on their lovable gadgets! Of Course that is a business tactics. Never than ever all these famous social network industries are planning to promote apps which can be with you and help you in all your parts of a day; right from your morning jogging till you lie on your bed..

Many big universities of psychology and other media studies, is doing research and publishing the news that how a selfi can be best taken to get more clicks on the social network pages.

Moreover knowingly or unknowingly, this become a social status of each and every individual that have an account on this, the number of views or hits on the shared thing decides how socially you are influenced among your friends and families.. But this can be also rated or treated in a different way that how frequent do you use these networks, may be that could also be the reason.

With all these, we are not sure where social networks leads to...??

Note: Intentionally have not used any specific name or an indication of any social network/mobile industries; just to make sure these thoughts are pretty common and do not pinpoint any specifics!

Enjoy Reading,

- Karthik