come on, people!

He says, “I AM THE MAN”.

To “the man”.

You only act for a while. Later you take that mask off and show your real face to the people and people begin to hate you. They should because you deserve that. Talking about the second type of man, he is narrow minded and courageous. You ought to be courageous to live a two-faced life, right?

‘the man’ thinks only he has the right to education. Someone invent a time machine and take him to 1948. In 1948 it was clearly declared that everyone has the right to education. Since the time girls have started going to schools, level of sincerity has either been maintained or increased by girls. Where boys go around checking each and every girl’s assets, sports, making a gang to fight because somebody has hurt his ego or just for a bloody show off, girls have their aims on their minds. Where a boy thinks about getting into a relationship and making love to a girl, girls remain in the limit-drawn much earlier. But “THE MAN” instead of encouraging her to study does not allow her to go to school. If allows, does not take her education seriously. The reason is that people say that it would be okay if she just graduates or we can afford to leave her education and get her married. Most commonly said, “girls only have to be beautiful and virgin to get a good guy.” Let us not talk about guys’ life. It is opposite.

To make world a better place, start asking if girl is highly qualified, if she would prefer to do a job or if she is really ready for the marriage or she wants to focus on her career.

   ‘the man’ prefers to leave home and earn. He does not allow his lady to do the same. The truth is, ‘the man’ fears that if his lady goes out to earn and gets more success than him he will be nothing but a disgrace to MANHOOD. And they talk about equality. Sure. Get a life!

Women like Indira Gandhi,  Vinita Bali (M.D of Britannia Industries), Neelam Dhawan (M.D of Microsoft, India), Naina Lal Kidwai (Group General Manager and Country Head of the HSBC Gruop in India) and many more are living examples.

Generalising the topic, if a boy goes out in shorts, he is good. But if a girl goes out in shorts, she is called temptress and is tagged as a slut or for-some-bucks-entertainer (a prostitute). Depressingly, it is not only the youth saying but also the old generation. The only difference is in their words. Tag is the same. Only guys feel hot, right? Girls are made up of ice and only meant to give birth to a human who will carry on the generation. A girl is stopped from wearing short dresses even when everyone knows that girls wearing salwar-kamiz also get raped. Guys, wild wolves, rape and all the girls pay for it. Payment is their freedom. Freedom to wear what they want to wear. Freedom to go out alone.

Most of youth does not know how to handle relationships and still have the thirst to be in it. When the thirst should be for a stable life, they desire for a physical relationship and this desire has sent out wrong signals about living-relationship. For oldies living-relationship means physical-relationship and this is obviously wrong. There are many who live with their parents, lie to them, go out and then cry for 9 months. They lose their life and probably an immature guy who leaves saying that he took all precautions and was not ready for a child. In no country a homosexual couple can live with a sane mind because of narrow minded people. They either lose all the happiness of life or commit suicide.

Friendship, everyone says, is the most important thing in everybody’s life. Trust me, living with no friend is not that frustrating when you see friends fighting for a stupid reason. No call or message irritates. When your friend shares something very important not with you but with someone else, it frustrates. You feel like you are pipsqueak for him/her. Ultimately it turns out that you all are same. Just that he/she met him/her first so he/she shared with him/her first. Friendship with the other gender is hard to maintain. People start talking about you, teasing you, linking you and worst, you have to break up as friends because of that.

Come on, people!

Open up your mind to accept. Not to mind what others are saying but to tell them to mind their own business. Accept that the world is running on two tires and both have to be equal.

Report on subprime loan crisis

Subprime loan, or subprime mortgage loan, crisis came to the notice on 9^th august, 2007. Subprime loans are given to people with unstable incomes or low creditworthiness. It is, as it sounds, very risky. The only reason for giving subprime loans to such people is high profit that the investor gets some time period later. Here’s the detailed explanation.

An American has either good or bad credit rating, which is the decisive factor for banks to give loan to that American. Consider an American with bad credit rating. He needs loan to invest in the property. Since his credit rating is not good, he does not qualify for the loan. There is another American, or say, a financial institution, who has a good credit rating, hence qualifying for the loan. Second American, who has a good credit rating, goes to the bank and gets the loan. Now, to earn a good amount, he gives the loan to the first American, whose credit rating is not good. The rate of interest at which the second American gives loan to the first American is higher as compared to that of the bank. And this is his main income that he expects he will get in the near future.

The higher rate at which the second American has given loan to the first American is subprime rate.

The loan that the second American has given to the first American is subprime loan.

The above situation is subprime home loan market. Prime home loan market is a situation in which banks directly lend to individuals who have good credit rating.

What happens later is, the financial institution securitises home loans. Securitisation is the process of converting home loans into financial securities which promise to pay a certain rate of interest. Financial securities are then sold to big financial institutions, who then sell the financial securities and passes the money to the lender bank.

What went wrong if everything was going perfect? Here is the answer.

The problem began with the United States keeping its interest rates very low for a long time, hence making it easy for every American to go and get the loan. These rates are regulated by the Federal Reserve System-the central banking system of the United States.

Next, subprime loans were given at floating rate, i.e., rate which is not fixed. These rates increased, equated monthly instalments (EMI for short) increased and ultimately, subprime borrowers defaulted. The problem worsened for the investors as home loans could easily be securitised and money kept on flowing in.

It affected.........

While in the U.S it has affected home equity loans, commercial estate, etc, in India it has led to a drastic fall of sensex. To make good of their losses, the U.S sold most of its investments in India. India bought it because the amount of buying was much less than the amount of selling. Had that not been a case, image of U.S is so good in the mind of Indians that we would have bought it even otherwise.  

panipat girl

(fiction)

After the struggle of ten minutes to find the venue of the marriage my uncle parked his car loaded with 5 elders and two seven & three years young cousins of mine. We all stepped out of the car, relieving me from the weight that was on my laps of my healthy cousin. Parking space was a sandy expanse. We went to the side of the road and saw the baraat. Punjabi baraat. Marriage was of my mother’s cousin, whose name i never took to my knowledge except when we reached the venue. From our side only my mother and i were present. Rest were my mother’s relatives who left no second pass by saying that a search of a girl for me should start. Effect of the atmosphere of marriage.

We crossed the road and joined the baraat. Music and dance, as in all Punjabi marriages are, were high. Punjabi music, dance and fun vibes that made a non dancer within me shake his body.

“yaaahooooo!!!!!”

We all heard when the volume of the music was decreased as the demand of some other song was being done. Everybody looked up at the balcony. The passage to the entrance of the venue was through a narrow lane, with houses and shops on both the sides. As the volume was back to the normal-in a Punjabi marriage normal volume is a very high volume-the guy started to dance. He first kicked, then punched and jumped saying, “yaaaahoooo!!!!”. Laughter broke among all of us but the man continued to dance. Crazy guy.

“lets go ahead. I want to meet some relatives.” Mother said and i obliged. My mother met her relatives. But i saw a girl. I did not see her intentionally. I was just having a glance at the people in the baraat, suddenly i saw her.

Open black hair and green salvaar kamiz, i noticed. She was with an old lady, her grandmother, i guessed. I could not take my eyes off from her. Her allure kept me looking at her. I felt as if nobody was walking with me. My eyes were stuck on her. Only her, and at a time when she had not even looked at me. I wanted to go closer to her and see her face. I wanted to hear her voice. I had an option to go, but i did not. Something held me from going to her. Suddenly, she looked back at me with an angelic smile. I got so nervous that i could not smile. She was looking at me with a smile but i was looking at her like a fool, with a blank face.

She again looked back, and i felt a connection. One, because she looked at me for the second time. Two, with a smile. We looked at each other continuously for a good amount of time. We looked at each other at least five times and did not break the connection unless someone called us.

We entered the venue, which i thought would be edifice. But it was not. When entered, i had lost her. She was nowhere to be seen. I wanted to get connected to her. I wanted to feel what i had felt when we were looking at each other in the baraat. That feeling is still undefined yet the most memorable.

My uncle took me, with his five year young daughter, to a place in the venue to eat something where i saw her sitting beside my cousin. That was the closest i was to her in that evening. She looked at me. I looked at her. Connected.

I have not found a word to describe her pulchritude. It cannot be defined by words. She was simply comely with a statuesque model perfect figure. Her eyes conveying her demure nature made me go mad. Her green salvar kamiz with transparent sleeves, i still remember.

I had to leave as my cousin demanded to. We did not talk. We only looked at each other. While leaving, she was smiling but the pain got on my face. I failed to hide it with a smile. I wanted to smile and leave and say “good bye”, but could not. That time i realised that no “bye” is ever “good”.

That was one year back i saw her. Now all that is with me is that image of her in my mind. I did not talk to her, even with the feeling of being connected. I regret the fact. Time, if asked, i really want back is THAT time. I think about her.

“is she okay right now?”

“is she smiling right now?”

I ask myself but don’t get any answer. Worst of all, i don’t know even if she is alive.

I cannot define the feeling but yes, i have baptized her as “panipat girl.”

reasons why i don't understand people

(FICTION)
Today was the first time that i got out of the class after answering two questions. Usually i answer one question and then i am allowed to leave. When i left i took a breath of freedom. After all, answering a question when you are sleepy is not easy, right? Another tiring work that i had to do was to walk three floors down and a basement where my vehicle was parked. i reached the ground floor, exited the building and saw a guy standing there. He turned out to be my classmate with whom i had hardly had a talk. "whom are you waiting for?", i asked.
"for my friend. My vehicle broke down so i have called him to pick me up." he replied.
"okay." i said and turned to leave.
"is it really complicated or it is complicated only for me?" he spoke.
"i did not get it." i said with a blank face.
"understanding people. Is it really complicated to understand them?"
"i don't know." i said.
His friend came after ten minutes and he left. That ten minutes' talk kept me and my brain busy for the entire night. What all he said i could relate it with myself.

New to class. So called friends. So called love. "class", "friends" and "love", recognizable, aren't they? That is the reason i could relate his talk with myself. I would now like to liberalize myself and narrate that talk the way in which i could relate.

It was my first day and being a bit of extrovert, i shook hand with everyone for introduction. Lecture went well. My classmates knew me, and i knew them. Phone numbers were exchanged, with everybody's consent. two weeks later, entered four students. Three boys and one girl. One of the boys was Niket and the girl was Shabina.

Shabina entered last. Since no place was left to sit, she sat beside me. We shared my book as she did not have it. We talked. We smiled. I felt something.

Class ended. We all came out. Talks i thought would be about cricket. But for a change, talks were about something else. About someone actually.

"such an ass!" one exclaimed.

"he is. Did you hear his questions?" other said and they talked.

"were they even worth questions?"

"exactly. Hey! Look at him. He is leaving. look at the way he walks."

Talks were about Niket. His questions in the class had made him notorious in two hours among the classmates.

One week passed. Shabina and i always sat together and shared a book. The first thing that we would do in the class on seeing each other would be to look at each other and say hi with a smile. The only thing that i loved in the class. Her smile.

Niket was sitting behind me. Shabina and i had got all the answers in one of the chapters of math. Niket asked, "have you done the 5th question?"

"yes." i said.

And then one of my friends called me and whispered not to help him. Reason was, 'he is an irritating person'.

"oh! That sum? No. I did not get it." i changed my statement and from his expression it was clear that he understood it.

Shabina had after two weeks still not made any friend in our class. I was her only friend.

Everyone always avoided Niket. Bench on which he would be seated would be the only bench in our class with one student on it.

Life changes in one second. I saw a change in our class in one day.

One day when i reached the class i saw all the boys talking to Niket. It is just the other way round, i thought. I went to the class as i had some work. I saw Shabina sitting with a girl outside the class on a sofa. That girl was also in our class. As we all know, girls bond in one second. So did they. I completed my work and sat waiting for Shabina to come and sit beside me. She entered with the girl. I looked at her. She looked at me. I smiled. She did not. I offered her the seat beside me. She refused.

I was in the state of shock. That was for the first time she did not smile and sat beside me.

next what happened was even more shocking. Niket entered with all the boys of our class, talking and smiling.

That was for the time when they all ignored me. I sat alone. I still do.

Shabina and i never talked since then.

Few days later Niket was also left alone by the classmates.

Niket's talk still makes me think, "is it really complicated to understand people?"

Why did they leave me?

Why did Shabina never sat with me again?

Was it because she made new friends?

Did they find me irritating and boring alike Niket and left both of us alone?

Why did my friend ask me to ignore Niket?

I don't have answer to any of the above question and it is only because, i could never understand them.