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Showing posts from May, 2011

Patterns

The wheel weaves as the wheel wills. We are part of this great pattern that stretches from the moment of creation till coherence dies out. And then some more.
Not a profound thought emanating from the depths of my mind. But true, all the same.We are threads winding one over the other, some thicker than the rest. There are those amongst us who claim to make their own destiny changing the lives of the ones around us. Some of us bind others around our thread knowingly or not making us the centre of that small universe for awhile. A microcosm of the universe at large. Some of us have experiences on human interaction that logic fails to explain. A passing face, a familiar exchange of words, and then sometimes, just a look. Some threads that were unwound a while ago come back to be bound stronger than the past. What the butterfly effect does is alter a part of that weave of the pattern. I get this gut feeling many a time that I'm in the presence of people who are going to impact my lif…

Pension Rations

The very real danger in pension investments is a gross miscalculation of requirements at the time of retirement. Thus you may actually end up investing less expecting returns which may be improbable at the time.
True, soothsaying ability would be helpful to see how things would be 20 years down the line. But that's limited to god himself.
It can be correctly expected that the buying power of the rupee will decline with the passage of time. So we're stuck with a couple of problems here.
- The old may be getting older - but they're living it and increasing the cost on us.
- Also, the nuclear families in the current era reflect smaller family sizes. So a family of 2 kids supports an elder sample size of 4-6.
- Another trend is the lowering of the retirement age - call it the creative calling. So my 40+ years old banker retiring from active service joins the burden that we bear. He might have the investments to back his retirement. But he's moved from an active contributor …