Preferring Independent House in Old Age

In a recent twitter poll organized by Manish Chauhan of JagoInvestor.com, I was surprised to see that 50% of responders preferred independent-house in old-age (over a flat in a society). Since this was so counter-intuitive to me, I requested people to cite reasons to stay in independent-house. This post is to accumulate all those points. Some of the reasons FOR an independent house are not specific to old-age but evergreen points. I have classified them separately.

Specific to retirement/old-age:

1. Pursuing of hobbies: Retired old age IS the time to pursue hobbies. Some hobbies like gardening may not be suitable for shared flat kind of accommodation. Independent house helps.
2. High maintenance charge: Flats in societies can have very high maintenance charges, which may be unacceptable in retirement.
3. Status Quo: People want a familiar environment in old age. Folks who have stayed in independent houses all their life see no reason to change to flats in old age.
4. Proximity to parking: It is not possible to have car parked nearby in most societies. In old age, with limited mobility, this can be a good reason.

Evergreen:

1. Privacy: A private balcony is an impossibility in a shared society. In crowded cities, complete privacy may be hard to get, even in an independent house. But there is a finite probability of getting the requisite privacy.

Raag Durga

Vocal

Instrumental

Raag Desh(Des)

Vocal

Instrumental

রবীন্দ্র সংগীত

Raag GauR Malhar

Vocal

Instrumental

Film Song

Raag Malkosh(Malkauns)

Vocal

Instrumental

রবীন্দ্র সংগীত

Ordnance Factory Privatization

 I do not believe privatization of Ordnance Factories (India's defence manufacturing units) will improve anything substantially. Keeping arms manufacturing under the government control might be as good or as bad as keeping it under private. I wrote a lengthy comment on a magazine's article. I am cut-pasting the same here for posterity.

There is no free market of arms and ammunitions on this planet. Neither there should be. So Ordnance Factory Manufacturing will never be under the classical dynamics of free-market demand and supply. Howsoever 'corporatization' may be there.

The customer of OFB (in its current or 'corporatized' avatar) will always be only 1. The army/navy/airforce. The fountainhead of corruption in most nations and civilizations has been defence procurement. That is not going to go away any time soon.

Hence I do not jump with joy at the prospect of OFB corporatization, even though I am a free market fanatic. All the partnerships (foreign and domestic) will lead to more innovative 'sales and persuasion technique'. There cannot be a market when there is only one customer. Hence there never will be any market incentive to improve the quality of arms & ammunition. Arms & ammunition manufacture is one of those industries where a few top officials' patriotism/ethics/morals will be the only quality driver. That is how it has been till now. That is how it will continue to be. Corporatization or not.

Disclaimer: I grew up in an OFB colony. So yes, I am biased about this topic. I admit that I have seen lots of freeloaders, work-shirkers, corrupt OFB employees. But I am proud to say that I had seen some brilliant, insane, genius workers who pull the factories through despite all the pull-back and pathetic (by today's standards) salaries.

Government: Dos and Donts

Let me define some terminologies in the beginning.

Government tasks: The tasks that government carries out using tax money.

Voluntary collective: People supporting a cause who come together, pool money and work for the cause. Unlike the taxes collected by government under threat of a gun, the contribution to the collective is entirely voluntary. Example: Ramkrishna Mission, Resident Welfare Associations, etc.

I prefer to restrict the government to only those tasks which need some form of coercion or force. Like police, military, judiciary, community discipline in case of pandemic etc. I want to explain the above with some examples:

Task	Responsibility
Impoverished seniors	Voluntary collective.
Military spending	Government
Long term pandemic management	Government
Public schools/primary education	Ideally voluntary collective. If government must come, let it only fund educational vouchers. The school should be run with profit motive by private entrepreneurs.
Homelessness	Voluntary collective
UBI	Definitely NOT government.
Bail out industry	Definitely NOT government. Industry should create its own rainy day buffer.
Non intrusive testing/tracing capabilities for pandemic management	Ideally government as this is public-health-issue. But I cannot imagine any government building a tracking/tracing capability which it won't misuse by invading into citizen privacy. Honouring privacy requires ethics of the highest order, and no government can maintain high ethics.

None of the ideas is my original. It is a synthesis of ideas that I picked up over the years from Swaminomics, Atanu Dey, Gurucharan Das, Paul Graham, Ayn Rand, Amlan Dutta, Ashok Desai.

'Love' এবং তার বাংলা অনুবাদ by Biswadeep Chatterjee

Love

Have you been broken

Like the banks of a river

Gushing water constantly chipping off

Leaving jagged edges

As it builds a distant bank

With what was yours

Have you bled

Haemorrhages invisible to the eye

Every moment eating your vitality

Leaving a carcass behind

As it embellishes another life

With morsels of magical moments

If you have

Then you have loved.

ভালোবাসা

Gulam Rasool Santosh, Me and Meditation

My experiments with meditation: Breath

(part 7)
For last 3 years, I am sticking with breath-meditation. I focus my attention on breath. While breathing in, I focus on the sensation of air rushing past my nostrils, filling my lungs, my stomach bulging out a bit. Then I exhale through my mouth and I focus on the pressure of out-breath on my lips. I try not to think about anything else, but I do get distracted most of the days. When I realize that my attention has wandered, I bring the focus back to breath.
I use the calm.com website for tracking-time and daily-habit-streak ONLY. I do not listen to voice-guided-meditation/music/chanting any more.
I did get into turbulent times in last 3 years but that did not disturb my meditation streak. It is difficult to conclude whether meditation helped me or was the turbulence not turbulent enough. All my skepticism about meditation-effectiveness still remain. Inspite of the skepticism, I am still continuing with meditation due to following 4 reasons:

1. Streak addict: My calm.com account shows an unbroken streak of 650+ days. I am addicted to this big number and loathe to bring it down to 0.
2. Feels like game: I miserably fail to hold my attention to breath without a break. Till date I never had a single session without mind taking a stroll of its own. It makes me more determined to log my first day of zero-wandering-meditation.
3. Pulse-rate-monitor: I am using a fitness band for last 6-7 months. Meditation invariably brings my pulse-rate down to 57-60 range. This is a solid proof as opposed to questionable mental/spiritual benefits. A drop in pulse-rate helps my body.
4. Blogs/articles: Credible articles and blogs keep popping up regularly detailing benefits of meditation.

(concluded)

Inequality, Paul Graham and Me

Rich getting richer is fine if poor gets richer as well. If rich gets 100x richer and poor gets 5x richer, inequality increases but that is a desirable outcome.
Unfortunately, many of us (especially Bengalis) have an unhealthy anti-rich-pro-poor tendency at heart. We have vilified the rich. We assume that riches are always acquired by unfair-means instead of hard-work and intelligence. This is tragic since enterprising-rich has been the fountainhead of all civilization-advances.
We Bengalis have paid (and still paying) the cost of this hypocrisy with our collective degrading poverty.
Paul Graham has written two beautiful essays (gap and inequality) related to inequality and wealth-creation.

Machines are coming!

I like to believe that AI and robots will create so much food/clothes/homes/gadgets, that cost of living will go down to zero. All of humanity will be able to get every material-need satisfied, freely and effortlessly.

However, humans need something more beyond materialistic-stuffs. We need entertainment, sense-of-purpose, joy-of-overcoming-hurdles. Many a times I curse my daily struggle for the stress it creates. Ironically, the same struggle gives me a sense-of-purpose. It is the same struggle that gives me joy-of-overcoming-hurdles. It is the same struggle that tires me out and primes me up for entertainment and relaxation.

I guess that challenge will be to get these extra-materialistic needs fulfilled when machines are providing us with all our material-needs.

I like to believe that our psychologists and philosophers will find a way out.

My experiments with meditation: Guided voice at calm.com

(part 6)
I persisted a while with passage meditation. Then came extremely stressful situation in life. Meditation seemed inconsequential in face of such storm in life. When the stress went away, I felt like resuming meditation once more.
I was very tired and passage meditation seemed more tiresome. Hence I wanted an easy meditation technique. I came across CALM. There was a soothing guided-meditation option on the website. I took to it. It felt good to start meditation again. There was/is a huge scepticism in my mind. Meditation had failed me during my time of stress. I resumed again, due to an innate belief that some time in future, it may still help.

The ease/novelty/feel-good of guided meditation at calm.com wore off soon. The same soothing voice, after repetition, started jarring. Some words/expressions seemed vague and meaningless. I continued liking other features of the website like timer and daily-statistic-collection (how many days streak, total time spent in meditation etc). Soon I transitioned to my next meditation technique.

(To be continued)

PK, Aamir-Khan and freedom-of-expression

Summary:
The Hindus calling for a ban on filming PK are wrong. The people calling for ban are misguided. Freedom of expression has a long way to go in my country. I have written about similar topics earlier here,  here,  here , here,  here  and here. I am getting repetitive but so are the troublemakers. The same 'sin' of curtailing freedom is happening in India repeatedly.

Details:
Last time I liked watching Aamir was in Dil-Chahta-Hai. Post that, Aamir the actor has became too preachy for my liking. Satayam-Ev-Jayate is brilliant in parts but Aamir's presentation always sucks. His tears look yuck, his shocked-expressions look yuck.
I am disturbed by the hypocrisy of Indian media in depicting religious insanity. Everybody shoots by keeping the gun on Hindus' shoulders. It is always Hindus who are superstitious. It is always Hindu god-men who are lecherous. Bengali media is more guilty of such one sided depictions. As a Bengali-Hindu I feel extremely angry about it. Such hypocrisy arises primarily out of fear. Many muslims react violently if their faith is criticized and hence the media takes an easy cowardly way out.
I feel happy that many Hindus take the jibes against their faith constructively. Hinduism is a work in progress like any human endeavor and I feel good about it. I feel irritated when some Hindus take the violent way out. I have not watched PK because of my distaste of Aamir Khan. I also feel irritated on seeing a one-sided-bias against Hindus. HOWEVER, I will never burn PK posters or ask for a ban on the movie. I will request the folks gunning for PK ban to see the light of reason and stand back. Do not watch PK if you do not want to but please do not stop those who want to.

Black money, Real estate AND Us

I believe that black money (significant part if not most of it) is present within Indian boundary and is not languishing at foreign coasts. This article at valueresearchonline.com sums it up nicely.
Many Indians have shown their willingness to curb corruption over past 2-3 years. In the same spirit, I recommend minimizing real estate transactions, in our own life, till a cleanup happens in real-estate sector. This will involve minimal individual pain. If many of us do this, we can effectively curb a big chunk of black-economy.
How to minimize real-estate-transactions in one's life?
Buy only one house in which you want to live. Do not buy house for investment purpose. There are sound financial rationale against real-estate-investments anyway. Rooting out corruption/black-money is an added kicker against real-estate-as-investment philosophy.
If you are facing black-money (read compulsary cash transaction) menace while buying first house itself, do the following:

1. If you are buying a house from builder, there is minimal to zero black money involved in the transaction. If the builder insists on cash, find another builder.
2. If you are buying second/third hand from an individual, refuse to pay cash. Move to another seller or a builder.
3. If neither method works, stay put in rented accommodation. If you are really consumed by the fire to root out corruption, is it too much of a pain to stay rented? Is it too much of a sacrifice?

What if you are a seller and buyer insists on cash?
If you have bought only one house for your own consumption there is no question of selling it. Unless, you are forced to move out of the city permanently. If your move-out is temporary, say for job compulsions, then you must have an intention to return to your city in future. In that case, rent out your own house and remain a tenant in the new city.
If the house you want to sell is your second/third/fourth(read investment) house, then buyer indeed holds power on you. That is why I recommend not to use real-estate as investment.

I believe if many of us minimize personal-real-estate-investment, the industry and government departments will correct its ways. The proverbial-black money will then be forced to find out other avenues. Is it not a worthwhile crusade?

My experiments with meditation: Eknath easwaran and passage-meditation

(part 5)
One of my seniors from engineering college introduced me to writings of Eknath Easwaran. I first read 'Take your time' by Easwaran. I was immensely impressed. Easwaran detailed a technique called passage-meditation. Easwaran used a beautiful writing style along with compelling similes. I will spoil your experience if I try to paraphrase Easwaran in my words.
In summary, the meditation technique consists of memorizing a 'holy' passage and reciting it during the meditation session in your mind. If you reach the end of the passage, you start from the beginning. In case the thoughts wander away from the passage, it needs to be brought back to the start of the passage.
I took a liking to passage meditation as it came from an authority figure. I felt the security of numbers while picking up this technique. I also took the opportunity to memorize shlok from Bhagvad-Gita and brush up my Sanskrit (which I had studied for 4-5 years in high school). It was fun.

(To be continued)

My experiments with meditation: Salvation through music

(part 4)

I reasoned that among our five senses, listening is the most unwieldy. You can block sight by closing eyes. You can block taste with an empty mouth. Maintaining an odour-free area is very easy and even if there is a smell, nose quickly adapts to it. Touching the sitting surface is inescapable. However touch is so commonplace that the feeling-of-touch almost never registers on consciousness unless you focus on it. That leaves out SOUND.

You cannot easily block out sound. The perfect earplugs are not generally available. "If you cannot beat them, join them". Hence I thought of a meditation technique where instead of blocking the sound, I choose to immerse myself in it. The sound will not be of ambient-noise which I cannot control. Instead it will be the music of my choice through the earphones. I chose evening-prayer-of-ramakrishna-order.

The meditation session will mean sitting with your favorite hymn/music/tune plugged to your ears. The idea is to focus on one aspect throughout one meditation session. Sometimes I focused on the beats of drum, sometimes on the words of the hymn, sometimes on the written words of the hymn which I imagined in my mind. However in a particular session, the focus will be on a single aspect. In case the thoughts wander around, it needs to be brought back to the drum-beat/sequence-of-words/sequence-of-lettering.

(To be continued)

My experiments with meditation: Flame in heart

(part 3)

I started with meditation while I was at high school. The meditation sessions were sporadic and ad-hoc. I do not remember the technique I adopted in my early days.

I remember the meditation details starting from undergraduate days. Some of my engineering seniors became monks of Ramakrishna-order after their graduation. Through them and some books of Advaita publication, I picked up the flame-or-picture-in-heart-technique.

In this technique, one has to imagine the presence of their favorite person or a burning flame in the chest area. All the thoughts should be focused on the flame/person-in-our-heart. In case the thoughts wander around, it needs to be brought back to the flame/person.
(To be continued)

My experiments with meditation: Fears

(part 2)
There were fears and nervousness too. There is this fear that a meditation-gone-wrong can seriously impact sanity. There is a myth that Vivekananda died prematurely due to incorrect practice of Raj-yog. However, I have always believed that the returns of meditation is worth risking one's sanity.
On top of that, I now understand that the multiple ways of meditation, that I learnt and practiced, are all variations of same fundamental principle. Hence I am now confident that I do not practice any incorrect version of meditation.
In the subsequent blog-posts, let me walk you through all the forms of meditation I have practiced and the similarity inherent in them all.

(To be continued)

My experiments with meditation: On and off

(part 1)
I have failed to sustain the meditation habit in past. It is interesting to note that I have restarted the practice each time I have quit. Sometimes there were gaps of multiple years. Till now, I cannot say that I have greatly benefitted from meditation.
Ironically, during times of turmoil, I felt that meditation is useless and discontinued. It is ironic as meditation is supposed to support one, precisely during the turbulent times. Somewhere deep inside(let me call it samskar), I do believe that the discontinuity happened because of my lack of practice and not because of some inherent flaw in meditation. Samskar tells me that if I am more regular with meditation, it will indeed support me during times of trouble. Hence I come back to it again and again. It is not all inner-voice and samskar though. There have been periodic articles in magazines extolling the virtues of meditation.
So here I am, back at meditation, possibly seventh time around.

PS: I have assumed samskar and gut-feel to mean the same thing.
(To be continued)

Stoddard Temple: Plenty of those in India

In Ayn Rand's Fountainhead, Howard Roark constructed the Stoddard Temple. The temple's theme was that god exists within human. Hence Howard designed the temple to keep it 'grounded' yet exalted. The central idol was that of a human (Dominique).
In many Indian temples, the same theme is seen. Rabindranath Tagore captured it brilliantly in his essay titled 'Mandir'. There are temples which have the normal day-to-day human life carved out on the outer walls. The deity resides within this depiction of day-to-day-human-tussle.
This is the kind of god I will like to believe someday. Thanks Tagore. Thanks Ayn Rand.