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D.Muthukrishnan (Muthu), Certified Financial Planner- Personal Financial Advisor

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Weekend Jottings

Posted by Muthu on April 10, 2011

First, few lines about regional and national media. 

In today’s Nanayam Vikatan, my contribution has appeared in the Q&A section. 

As I’ve told you earlier, Nanayam Vikatan is the largest selling personal finance magazine in Tamilnadu.

It is surprising to note that they saw a potential market for personal finance magazine among Tamil readers. I understand that their circulation numbers are on par with leading English personal finance magazine, having wider geographical access.

They are the first one to provide me an opportunity in media and I’m thankful that they are continuing to provide the same for the last few years.

In another Tamil magazine, my interview regarding China may appear next month. Do not wonder whether I’ve become a geo-political analyst. The journalist thought I’ve something worth while to say!

Along with one Tamil journalist, we are working on the financial impact on electoral promises by various political parties. It is interesting to calculate (for valuing freebies) how many women are in marriageable age in Tamilnadu, how many would be in the family way, how many goats are required, their availability and cost etc. I hope the article may get published. Even otherwise, a very funny (and not so funny for state’s finances) exercise.

I’ve already mentioned you earlier this week about Ms.Sucheta Dalal and Mr.Debashis Basu. They do a lot of work in the areas of investor awareness and protection. They publish a magazine called Moneylife. Their portal is www.moneylife.in . Those of you interested can subscribe to their daily free newsletter, delivered to your email box, which contains articles and news in the areas of personal finance.

I’ve got wisdom! That’s what my dentist told me. Not one but 3 wisdom teeth. One has been removed this weekend. Seeing me so scared, the dentist would have been more scared, but he did not show it.

The remaining 2 has to be taken in due course by surgical extraction. I’m going to loose the precious wisdom gained after few decades of existence in this planet.

So this weekend is a time to talk about some wisdom.

I increasingly feel that luck and chance determine our life.

Call it God or destiny or randomness or cosmic intelligence- I feel it governs our life.

Let me start with 2 quotes – one from an investment legend and the other from a great scientist.

Warren Buffett: If rich think that they did it all themselves, reincarnate them as one of the five children of a scared, starving mother in Mali and see how rich and successful they would be after being sent to work as a slave on cocoa plantation in Cote d’ Ivoire.

Albert Einstein: Everything is determined, the beginning as well as the end, by forces over which we have no control. It is determined for the insect as well as for the star. Human beings, vegetables, or cosmic dust, we all dance to a mysterious tune, intoned in the distance by an invisible piper.

Though it may not sound good to our ears, incidentally both Stephen Hawking and U.G.Krishnamurti calls human beings a programmed biological forms.

Hawking mentions that ‘Humans have no more choice or freewill than the determinate procession of the sun, moon, planets, or seasons.

I’ve developed a strong conviction that what I go through, good or bad, pleasant or unpleasant, pleasure or pain, happiness or misery, joy or anxiety, anger or compassion, fair or unfair etc., everything is as per the will of God.

I do not see God as a person sitting somewhere and keep tracking my good and bad deeds to see whether I would fit into heaven or hell.

I feel that God is the supreme consciousness or cosmic intelligence.

It is not that I’ve become a wonderful person with this conviction. May be that is not part of the design!

I’m what I am with my own anxieties, guilt, irritation, contradictions and paradoxes. It is just that despite all these there is a space in mind which gets peace through acceptance.

The identification with body and mind, which we call as ‘Ego’ is also part of grand design. So ego would be very much part of one’s relationship with outside world.

Then how to live one’s life?

The way to live is to act as if we are the doer. Life would not leave us alone and would keep forcing us to act and react. We need to do or not do what we feel appropriate in a given situation. But what we feel at a given situation is not under our control, though we all may feel so.

Ramesh Balsekar explain this better “The human being lives on fictions. For example, the human being knows that the sun is stationery and that it is earth that is in movement but nonetheless in his daily life he accepts the fiction that sun rises and sets. So the understanding is that all this is an illusion and that you do not have free will, but in life you must act as if you have free will‘.

Ramana went to the extent of pointing out that one cannot even lift his hand unless it is destined!

Benjamin Libet was a pioneering scientist in the field of human consciousness.

His research shows that brain’s impulse to act happen up to a half a second before the person even is conscious of it.

These experiments seem to show that we don’t think but thoughts come to us. The decision to do or not do something is already made even before we become aware of the same.

If you’ve scientific temper, browse what Einstein, Hawking and Libet has to say regarding free will.

If you’re religious, take a look at what Ramana, Nisrgadatta and Ramesh Balsekar has got to say on this subject.

If you can put up with profanity, try U.G.Krishnamurti.

Out of the all, the last gentleman is extremely difficult to digest and you can even get wild at me for suggesting his name. If possible, please avoid him.

Due to Monday blues, if you go to office late tomorrow, tell your boss it’s all part of destiny.

If the reaction is going to be adverse, be ready for that part of destiny too!

2 Responses to “Weekend Jottings”

  1. amol said

    beautiful article sir!

  2. K.Ravi said

    Very true

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