Time with Grandpa

One of the highlights of time with family is the one evening of quality time I usually get with Grandpa. Family time, especially when they visit Singapore, is always very chaotic thanks to the many items on their agenda that quality time is often at a premium. Last evening, however, I sat up with Grandpa. Time with Mom and Grandma comes pretty easily but my Grandpa, being more withdrawn, generally is more reclusive. He was very tired after a day that began early but being the man he is, he readily woke up and we sat on a bench in the open air for a chat while the rest of the family shopped late into the night..

Time with Grandpa typically involves a few characteristic features – first up, he would need a smoke (to clear up his head in his opinion of course.. :)) and then it would involve one story after another from the past. I would typically have heard these stories many many times but hearing him tell a story is an experience in itself as it captures those moments in his life he deems most memorable. Amidst all these stories are many byte sized life learnings that helped him in his life. His advice for me is always similar – stay honest, work very hard, save diligently, invest in family and NEVER touch a cigarette. The last piece he underlines by repeating how hard it has been for him – and that, while he often thinks of quitting, he is a self confessed slave of the nicotine and hopes I won’t have to go through the same experience.
I have great respect for my Grandpa – more than I can or have expressed, when I think about it. It was his diligent saving and investing that took our family through tough times and coming from a simple village background, he dared to go out into the world away from the small family business, started his career at Indian Airlines as a clerk and retired as the General Manager Finance, South India Region (which in those days meant all of South East Asia – i.e. Singapore, Maldives etc). In an age when airline travel was uncommon, Grandpa had seen the world.. and I was of course inspired to no end! I wanted 3 passports as well with all those visas, after all! I also wanted to be neat, clean, patient and most of all, measured and calm – all those attributes that defined him in my eyes. And probably – what inspired me most was that he said little but his words had great impact. I was of course at the other end of the spectrum..
I’ve been fortunate to have lots of great times with him – walks to the temple, swimming with him at the pool nearby, chatting with him while Mom and Grandma were shopping among others. And 5 years ago, when I left home, time with him became a premium and as I’ve gone out and experienced the world, I’ve realized how important his simple pieces of advice have been as I’ve gone back to them every time I’ve felt challenged.
Time with Grandpa yesterday was special, as usual. It was nice to hear him regale all those stories from the past, was funny to see him wonder aloud as to how people tolerated him when he was a finance manager as every important decision came only after a smoke and most of all was just nice to spend the time to experience him.
We have inspiration all around us. And it is just human nature to take for granted whatever we have constant exposure to. Just as a goods-peddler in front of the Taj Mahal or the Egyptian pyramids never sees them for their true value, it is very unlikely we recognize the true value of people who surround us. As we spend time with us, their imperfections often stand glaring at us. In time, I’ve realized that special people are meant to be celebrated with love, affection and appreciation and I’ve tried in the past to let Grandpa know how much his advice means to me. But, I have a lingering feeling I’ve not done enough..
It’s time to banish that thought.. :)

Disconnect to Connect

It’s been great to disconnect from all things internet for 2 days! The family trip to Penang helped, of course.


It’s nice to stay clear of all things digital. Lots of learnings on the way through which I’ve noted on my blogroll (i.e. learnings to be blogged in the days ahead) and until then, I hope you have a lovely break with friends and family and remember to disconnect, to connect.. :)
I hope to do the same as well!

The up and down routine

I’m a self professed ‘life learning’ enthusiast. And nothing amazes me more than life’s propensity to deal you a blow every once in a while to keep you humble.

Let’s take a simple example – I’ve been looking forward to the Christmas break (which starts today) for a month. And given my last 3 weeks have involved crazy deliverables and hence, many days with crazy work hours, I daresay I felt like I deserved it.
The first part of the plan was to take a short trip to Malaysia. But, the last week has involved one hurdle after another with today resulting in a close friend dropping out thanks to emergency work on Saturday. To put things into perspective, the count for this trip has grown negatively from potentially 8 to 3!
The best part of this was that I did my best to ‘respond’ and not ‘react’ and I’m feeling rather good at the way I took the news. And instead of screaming, raging and throwing a fit at this friend, I managed to hold it till after the call. ;-)
And that, I thought, is a small win worth celebrating with a learning!
This experience only further affirms the fact that the problems and hurdles never stop coming. What we can stop/control is our response to it. And exercising that choice often makes all the difference in the world..

Get back in touch with those old friends

This post is inspired by the quote below – ‘To be capable of steady friendship or lasting love, are the two greatest proofs, not only of goodness of heart, but of strength of mind.’


Post high school, I spent 4 years in Singapore – a good 3,000 miles away from the place I grew up. With that distance, I found it rather easy to let go of the many bonds I’d had from school life. With time and the change I experienced within, the 3,000 miles felt more like a 30,000 mile gap with the added distance in the mind, of course.
I kept in touch with a couple of friends who I spent time with. The rest, well, ‘I didn’t have time’..
And, last year, when I finally realized that not having time is not a valid excuse for not staying in touch, I began a slow and concerted effort of trying to get back in touch with those friends I’d been closed to and looked destined to be ‘friends for life’ with, those friends who had made me laugh and stood with me during so many tough times.
1 year, a couple of meet ups and many many emails later, I received an email from that buddy who almost never writes an email telling me that he’s all set to start work in a new place after a change of plan. And as I wished him ‘best of luck’, I felt nice about the whole effort. It’s not come easy because I’ve often wondered whether it’d be ‘awkward’ or ‘weird’ trying to get back in touch with friends who’d seemingly changed a lot.
The good news is – it was none of those things. Yes, there were a couple who got away and who didn’t feel the need to re-connect but for the most part, the response was one of joy and excitement.
I’m realizing more and more that there are more events in a day that can cause unhappiness than there are that make us happy. And in that, life throws us a challenge – every hour, every minute to fight for that right to be happy. The speciality about the fight is that it is one that we have with ourselves. And for myself, I’ve realized that working with a bit of discipline to create systems to do the little things in a day that contribute to my happiness tends to offset the many not-so-positive events in a day. (More on that in another post)
One of these little systems is writing a monthly/fortnightly/weekly/tri-weekly email to my old school gangs, friends, family – just keeping in touch. Many a time I’ve questioned whether it’s worth it but now, a year or so after having gotten this started, I can tell you that every bit of the effort has reaped a result worth it’s weight in gold.

The 7 Habits of Highly Rich Millionaires

Picture your classic millionaire. What are the images that come to your mind? I would take a guess they would be one or more of the following-

Thomas Stanley and William Danko thought as much as well. However, their research of the 2.5 million millionaires revealed that, aside from the 10% of millionaires who were rich by inheritance or a windfall of cash, the 90% who made it by themselves were characterized by the following ‘7 Habits of Highly Rich Millionaires‘ :) –

1) Entrepreneurs: Typically self employed businessmen. There are a few normal wage earners as well.

2) Happy marriage: Married once with a happy family and kids who are typically independent and don’t live off their parents

3) Don’t go for status or rich neighborhood: Never bought the latest sports car or spent more than $300 on a suit or watch and most definitely don’t live in a rich neighborhood.

4) Marry a similar minded spouse: In most cases, the wife is even more frugal than the husband/breadwinner.

5) Save, Budget and Plan: Strong yearly and monthly household budget maintained along with investment planning. And save more save 15% or more of their income.

6) Child care: Never compromise on sponsoring their kids’ education.

7) Invest in a good financial advisor: Never hesitate on investing in good financial advice and spending time to make sure they invest smart.

The money management strategy of the majority of these millionaires is simple i.e. Strong offence i.e. excellent earning with a very strong defence i.e. excellent saving.

And do you know what the most inspiring part was? Many of these self made millionaires did this in spite of annual incomes of about 90K USD at the peak of their careers and yet are in the ‘Prodigious Accumulators of Wealth’ category! If they can do it, why can’t we?

Let’s start with budgeting our expenses for 2011 then!