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Buy Home for your Retirement – Reverse Mortgage Loan

Club the Housing loan into Retirement plan

Buying a home is a simple and easy way to retire. You do not need to save separately for your retirement.

There are lots of retirement plans and policies available for private sector employees. Out of the salary some money has to be allotted for retirement if you have enrolled in any retirement scheme.

Now you do not need to look into such policies or worrying about retirement.

Buy a home now. Pay its EMI. Live in your home without house owner harassment or often need to change your whereabouts. No need to pay sky scrapping rent. Let the EMI be your rent. You live in your own home.

When you become old, you would have completed your housing loan EMI and the house will be yours completely. At the same time you would not have any money or bank balance when you stop earning due to aging.

Now club the Housing loan into Retirement plan. If you already owning the house club the house into your retirement.

The only value you possess is your home. Do not sell it to manage your retirement expenses.

Do not pledge your home for loan against property where you have to pay your EMI monthly for the principal amount you get.

Just Reverse Mortgage your home.

Reverse Mortgage loan is given against the equity of your home. You do not need to repay the principal amount, which means no EMI. You do not need move out your house. Even though it is mortgaged, it is your home. You can live in your home as long as you like or till you die. The creditor or bank will issue the loan amount in periods for example monthly.

In reverse mortgage loan, it is like you are selling your home, get the cash periodically, but you do not need to vacate from your home till you are alive. You are allowed to live in your ‘sold’ home provided you enjoy the privilege of a house owner.

You get your retirement security from your home through Reverse Mortgage Loan.

Once you are dead, the creditor or bank will ‘realise’ the loan amount from your house.

There is a philosophical touch in this Buy a Home and Reverse Mortgage It.

When Alexander The Great die, he said ‘let my hands be visible to the public from my coffin. So people could know that I do not carry anything with me’.

In the same way, we possess something for the comfort of our living. We use and enjoy it till we are alive. When we die we give up our possessions. We die with the empty hand. We born empty and die empty. We are not bounded to any property.

If you are buying a house, do not worry about your retirement or do not save for your retirement. Let the EMI of housing loan be your retirement saving.

If you have a house, you do not need to depend on Government or no need to blame government for your retirement. Your house covers your retirement.

Verify this information by cross checking with your bank.

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Social Networking in Olden Days

Social networking is not new. It is existing before the advent of internet. The concept of social networking is existing since man started to live in communities(group).

Today, the medium is internet. Earlier it was the trees and community places. Every village has one or two big trees or halls in temple or belongs to local panchayat. People gathered there when they have free time, especially in the evenings. They discuss about everything interested to them. Have fun and relaxation. Some people initiate the topic. Then the topic will revolve for many hours or days.

Today majority of villages are getting empty. Villagers are moving to cities to be a part of silicon civilization. There is not big trees in the cities. Few parks are there, but they are occupied by people waiting for their coffin and adolescent lovers. So no proper place for ‘In Person’ social networking.

But the inner call for ‘social talk’ is smouldering like smoke. Human is a social animal, social activity is must. The need for social activity is satisfied at ‘social networking’ sites. Social networking portals are ‘Silicon Trees’, where people of silicon civilization can interact when they are free under the shadow of silicon tree.

The feelings get under ‘Real Trees’ and ‘Silicon Tress’ both are same. Man is eliminating wooden trees, instead nourishing ‘Silicon Trees’ to sit, gather, discuss, speak, shout and relax.

So the core concept of social networking is existing since man lived in caves. Social networking or virtual life is going to boom. Every section or group of people need a ‘space’ to express their social networking calls.

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Importance of Having Fun in Life

Importance of playing and having fun in life.

From childhood to college days, we play, have fun during our free time. But when we go to job, or after becoming adult we stop playing.

Playing and having fun are vital for healthy and happy life both mentally and physically. During childhood our mind is filled with games and fun. During adulthood our mind is filled with tensions and problems. We do not satisfy with what we have in hand. We keep searching something. Never ending search. We do not have time to play. Neglect playing and having fun. We leave them as they are kiddies activity.

Play, having fun, laugh are like antibodies to prevent tensions, fear, stress of adulthood life. While playing we forget everything, mind is free from all, which are unnecessarily hooked with our mind. You can experience the body in full action only if you have fun and play.

Ignore all your urges, throw away your fears and tension, create friends to play, have fun, laugh like mad. Suddenly you will be relieved from the past and the future and you will be in pleasureful present.

Having fun in life and playing may slow down the aging process.

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Recession is not new to India

Every civilization, every kingdom, every institution have faced recession in the history. Recession is not new to humanity or society. It might be new to the current generation facing it, but not to the humanity as a whole.

From Indus valley civilization to Mayan civilization recession is common. Every civilization born, mature, flourish, saturate, decline(recess) and disappear.

Apocalypto movie shows the Mayan society in its recession.

The kingdom of Alexander had recession and disappeared soon after his dead.

The first largest known empire of India is Mauryan Dynasty founded by Chandra Gupta Mauryar. It reached its peak during Asoka tenure. King Asoka the first ruler who ruled the territory which is larger than the current political territory of India. After his death, within 50 years Mauryan Dynasty disappeared.

Nanda dynasty was earlier to Mauryan dynasty but it was not so big as Mauryan. When Alexander reached Indus Nanda dynasty was ruling northern India.

After Mauryan dynasty there were various kingdom/kings ruled various part of India attained peak stage and recessed or disappeared.

Guptas, Harshar, Kanishkar were worthy of mentioning.

Raja Raja Cholan from Tamilnadu and Krishan Devarayar from Andhra pradhesh were notable kings. Their kingdoms flourished for around 200 years.

The Pragadeeswarar Temple at Tanjore, India built by Chola kingdom reveals how much rich they should be to built such a temple.

Next dynasty which ruled more than the current political map of India is Mughal Empire during Aurangazeb period. After Aurangazeb mughal empire disappeared.

Ancient cities India like Patna, Madurai, Hambi, Kannosi, Delhi were having their importance due to either political or economic or power. Except Delhi none retains its old richness and importance.

The importance and richness were recessed from old cities to new cities. Bombay, Bangalore, Chennai, Hyderabad, Vizag are having the BUZZ now. They are the cities born during British rule in India. Like in the history, these cities will loose its importance and people buzz, new cities will emerge.

Those who have been living in Chennai, India for more than 30 or 50 years could remember the transition of busy or Buzz points in the city.

When I was a school going boy, Luz corner near mylapoor, mount road around Devi theater and Alankar theatre and Pandy bazaar were busy or buzz points of the city. Paris corner was the busiest Place in Chennai. Now they lost their center of attraction.

Now South Usman road, Ranganathan street in T.Nagar, Purasaiwalkam Garden Area Near Abhirami Mahal, city center, Spencer Plaza, Ispahani Center are buzz points of the Chennai city.

The Indian road king Ambassador car is in its recession. It could not compete with modern car companies.

Guindy and Ambattur Estates were hot spot for private employments for previous generation. Now OMR(Old Mahabalipuram Road) is the hot spot for private employments.

Recession is happening all the time at various level. An individual may face recession personally. Personal recessions are not noticed.

Even now several Indian cotton industries facing recession and people depending on those industries are suffering.

American diamond industry was thriving in Trichy district till a decade back. It had its recession when China captured the world American diamond market. Some of the families, individuals committed suicide from Trichy district during the recession in Indian American diamond industry.

The advent of modern women dresses like Jeans and top, Suridhar, Salwar, Mities eliminated the craze for Silk Saree. Silk Saree industry at Kanchipuram, India is under recession or about to disappear.

What was the economic situation of India, when it attains freedom from British. It was broke not even under recession. What is the situation now.

Indian farmers have faced recession during Jamindari administration, after Independence. Still farmers from different geographical locations of India facing recession. Recession is not new to Indian farmers. They born, grow, suffer, and die in between recessions.

There are sections of Indians who used live with recession and get adjusted to it.

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What is the Carbon Storage

Carbon storage is a major problem today since ‘carbon cycling’ is get affected by human activities. The carbon in the atmosphere is sucked by trees. ‘Clearing’ the trees and growing concrete jungles leave the carbon in atmosphere intact.

Moreover, we are using the fossil fuels(coal, oil) since last century. Fossil fuels are noting but a form of carbon. Tons and tons of carbon was unearthed, burnt and released into the air. There is no enough trees to inhale the excess carbon and chemicals or gases of carbon composites in the air.

Since green house gases are nothing but carbon composites, carbon – excess carbon becomes the reason for global warming and climate change.

Scientists and developed nations are investing time and money to deal with excess carbon. If we manage to suck the carbon from atmosphere, where do we store the captured carbons? There are lots of mechanism or chemical processes are available to extract the excess carbon in the atmosphere from all over the world.

The big challenge is where do we store the extracted carbons.

We can not manually bury the excess carbon deep into the earth like fossil fuels. Fossil fuels were buried in earth by nature. Moreover, we can not find a large site to bury such huge quantity of carbons. No country will be ready to be carbon dustbin.

Even if we managed to bury or store the carbon in the earth, it may contaminate the ground water or soil quality.

Store Carbon in Space
We can store the concentrated or condensed carbon in big containers. With the help of a space shuttle / rocket, we can throw the containers into outer space and push them move infinitely away from earth. It is highly cost effective and more ‘carbons’ will be released from rockets in the process.

Store Carbon in Sea
We can store carbons in the big water proof ships. Let the ships sink deep into the sea with the carbon. We need to make sure the ship is water proof. In this way more quantity of carbon can be stored into sea. Sea seems to be the alternative carbon storage house.

The finest solution for storing carbon is Growing Trees. Grow more trees. Trees are natural carbon storage houses. They are the ‘crux’ in carbon cycling. When trees are cut, carbon cycle will be incomplete.

Instead of finding a innovative scientific solution, we can ‘build’ natural carbon storage houses. Let us do not reinvent the wheel again, let the old wheel roll again to complete carbon cycle.

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Opportunities in Recession

Psychologist have good opportunity during recession. There is boom in depression, suicidal attempts/victims, frustration among jobless people. Doctors have to do their business in full swing to attend the recession stimulated mental patients.

Cell phone sales is not slowed down during recession, instead it may be increasing. Cell Phone Servicing will have high demand and job openings irrespective of recession. Learn Cell phone servicing and become a cell phone technician. Mobile phone industry is not affected in recession.

Sales jobs are always having openings irrespective of recession. Those who lost their ‘sitting job’ can try out a sales job, which also reduce their fat level accumulated in their ‘sitting job’.

Human resource development and personality development have scope to improve the confidence level of emerging graduates/freshers since no openings for them. So self development firm can conduct interview training, interpersonal skills, etc. to keep them engaged.

During recession or economic crisis government may initiate major construction projects. So civil engineers , contractors, mason labors have good job opportunity.

Collection Executive jobs will have more openings in recession. Many who took loan before recession can not repay the EMI, so more collection executives will be deployed to dodge loan/credit card defaulters to get the money.

Recession will create a restlessness, confusion among people. This may be headache to ruling government of developed nations. So to divert the people’s attention from recession, developed countries may engage in war with weaker countries. So there may job openings in military and weapon related industry.

News papers and publishing medium have permanent headline or topic to scream called recession. Reporters will collection information and statistics about global recession all over the world and keep the public panic. There may be small job opening in journalism or more if developed countries start the war.

Spiritual Gurus or corporate Gurus and their missionaries and assistants will be busy dealing with depressed people, giving solace and hope for a better tomorrow. Good opening is always in the spiritual sector.

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Internet Literature

Is everything written in internet are literature? There are plenty of content written in Internet. Are the part of Literature?

If a word spoken is language, everything written is literature. There may copied content in Internet. People simply copy content from another websites and post it their website with or without changing the words. This is eGarbage.

There is another type of copying is cGarbage. That is Concept Garbage.

God Divinity Salvation
The concept of plot of Milton’s Paradise Lost is God or divinity. The concept of Pilgrim’s Progress By John Bunyan is God or Divinity. There are various and countless works written woven around God, Divinity, Salvation. These three are copied as concept or theme for many or countless early literary works.

Love
Love is the theme of millions of literary works from all over the world in all the languages. From Romeo and Juliet to Lila Majnu all sharing the central theme Love.

There is no single concept which is unique and not copied over. When cGarbage can be called as Literature, eGarbage also can be called as Literature.

Efficiency in writing is different from simply writing.
I am able to speak is different from, I am an Orator. But all are speeches. The quality of writing may differ but what ever is written is content and it is literature.

Internet is Literature.

In the next centuries, Internet literature will be studied as part of English Literature. Internet Literature is global. Like American Literature, Indian Literature, Internet Literature will have its niche in English Literature.

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Work without Ego

Ego plays important role in all types of relationship. Main disturbance to peace of mind is Ego. We have to establish and maintain relationship with our colleagues. Unfortunately we mix our ego while working.

We get ego frictioned with others, even sometimes with boss or management too. Later we begin groupism. We gossip about our ego target. Hot words are exchanged often. Hypocrytic criticism. We do not concentrate on the work. We prefer to keep thinking about our ego opponents. Even after working hours, we think and speak about our work place enemies.

Why do we work?
We ultimately forget why do we work? We are working for salary and carrier improvement. We are not working to fight or jealous with others. We will be obsessed with the thoughts of our ego target. Find faults on them. Keep criticising them. Finally we lose sleep, our main purpose of going to work place will be fight with the colleagues, but not to work. Work becomes secondary.

Ninety percent of the Job hobbing is because of Ego friction between superior and sub-ordinate relationship.

Superior harass the sub-ordinate. Sub-ordinate fights back. He does all sorts of irritation to superior. Both are wasting their time and energy in their ego friction. They waste office resource too.

One fine morning sub-ordinate joins in a new company with or without intimating his current company as a sort of revenge. Afterwards, he repeats the same ego fight in the new company. When it has become current company, he will jump to other company. This is a cycle. There will be no end for ego friction.

We can avoid such ego friction by simple adjustment, forgiving other’s mistakes, avoid intruding to other’s nose, accept people as they are, little bit obedience and a smiling face.

Apply your creativity, innovativeness in work place, not your ego. Ego is not worthy of single penny in work place.

At the same time do not be too good. Keep distance in your relationship in office, otherwise you will be disturbed a lot. Intimacy loose respect. Once you loose respect, which is a minimum due, your ego will be wounded. You should have a cordial relationship with a privilege to say ‘NO’ when you like to say NO. Maintain a minimum privacy and space for you.

Maintain a privacy and biological space for yourself and respect other’s privacy and space. You never breach other’s boundary and never allow anybody to breach your boundary.

It is almost like driving. Even though you are a good driver, but you should aware of bad drivers. They will come with you on the road. At the same time respect others.

Respect your immediate boss. They may be younger than you, they may less skilled than you, but respect them. You may be smarter than your boss, but accept them as they are.

Salary and roles are not only decided by skill and experience alone, but many other things are involved. Timings, relationship and many other non-skill based factors are there.

A boss may depute his son as head of the department to some branch. There may be some experienced and skilled persons (may be you) in the office. They are most suitable for the post. But it is Boss’ decision. You are wrong if you feel get wounded or your ego get hurt. Boss takes care of the company more than you. He loves his company more than you love.

Do not compare the salary and powers of others, especially with your immediate supervisor. As long as you are working for salary, you will have an immediate or reporting boss. Learn to adjust with them. Wherever you go this is the case. People are same everywhere.

Survival of a company is depending on reliable people, success of the company is depending an skilled people. To be succeed first thing needed is being alive.

Success is meaningless if you are not alive. So it is natural that company needs ‘reliable’ people very badly than skilled people. Skill can be hired. Reliability has to be groomed. Management grants more freedom, power and comfort to reliable people.

Either you transform yourself to reliable people of the company or at least obey to reliable people. Otherwise you cannot continue in a company even for one year. You may have worked in more than four companies within three years if you are not aware of these concepts.

Kill your ego at working place. Working place will be a paradise.

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Beware of Jealousy Colleague

Beware of jealousy colleague

Never get too close to colleagues like friends. Your skill or pay may stir jealousy people. Some staff or your project mate may be close to you. But even without their awareness they may develop jealous with you.

You may be admirable by others, that even rise jealous.

Jealousy Colleague’s Attack
Those who have jealous over you, try to disturb you or distract you in many ways.

They voluntarily pick-up problems and fight with you. All of a sudden they may shout at you. They create scenes as you are doing something wrong.

They try to even blackmail as ‘I am going to report to Boss’ based on a flimsy issue. Sometime they try to ‘steal’ your work.

They do all sorts of things to eliminate you or put you down. If female staff is the reason for the jealous then they may go at any extreme.

How to Handle Jealousy Colleague
Better way to handle the jealousy people is just ignore them. Don not retaliate them.

Let them get sick by their jealousy. Forgive them, pity at them. Laugh at their dirty things.

At the same time never never never afraid of them. Never give up the job because of silly politics. Just keep working and improve your skills.

Never waste your energy with jealousy people. At the same time keep some distance from them. They may try to threaten you, have courage and be steady and firm.

As long as you ignore them and emotionally balanced, they are the losers.

Happily, learn how to handle jealousy people and overcome them.

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Mobile Blogging

Mobile blogging will be the next technical buzz in the internet as well as mobile phones. It has been long since Internet and Mobile phones trying to merge. The recently released Samsung Star Touch seems to be a pioneer in the endeavors to merge Internet and Mobile phone.

Mobile bloggers will emerge and write for mobile phone users. Concise contents. All the top blogging sites like wordpress, blogger, blogspot, drupal and etc. will release their mobile version of site administration to post content from mobile phone.

The SMS senders can quickly emerge as mobile bloggers since they have better dexterity in keypads of mobile phones rather than computer bloggers. Whatsapp addicted people may be successful in mobile blogging.

Content posted from mobile phone on the move, both text and graphic contents. This is the only difference from normal blogging. In normal case, the content is posted from computer.

Mobile bloggers can post/blog on the move. This will be more useful for travelers and travel blogs and journalists. They can catch things on the spot and post immediately. Wherein computer blogging they need to find a computer at home or office or at cafe to post things.

Apart from the device where content is posted, there will be no big difference or limitation to mobile blogging. Mobile bloggers can type lengthy content depending upon their patiency and fingering skills.

There are many widgets available to upload/send graphic elements from mobile phone to web. Take snap in the mobile phone camera and post in the photo blog instantly.

Mobile blogging will come under the domain of mobile computing. We can not predict whether mobile computing will replace desktop computing.

So far, Laptops have not replaced desktop computing. Hope mobile and laptop and desktop computing will exists without eliminating one another.