Month: October 2015

Shirdi Sai Baba..A Tribute & Two Little Angels

Sai-Original-sitting-on-stoneThere was an epidemic of cholera spreading across the village. A saintly old man was grinding powder in his stone grinding wheel. Everyone around the him were earnestly looking at the significance of the sight in front of them. The saint instructed people around him, to spread the powder on the outskirts of the village. Soon after the same was implemented the epidemic disappeared from the village..All the devotees understood that grinding of powder was just a metaphor and the epidemic had eased due to blessings of the saintly person.. Who was this saintly person and which period did he live in?? The name of the saintly person is Sai Baba of Shirdi, a place in the western part of India.

Sharing my recent experience when I went with my mother to Shirdi to take blessings from my Guru and eternal friend Sai Baba (Shirdi Sai Baba should not be confused with the other Sai Baba from Southern part of India).  My other Guru is of course Guru Goenkaji ( please refer to my earlier article on mindfulness meditation) to whom I had paid homage in my previous article. I had visited for a peaceful world and for my personal blessings. Continue reading “Shirdi Sai Baba..A Tribute & Two Little Angels”

November Rain..Welcome November..Quit Smoking

November is coming soon..So let’s prepare for the month of November by listening to Guns N Roses classic song November Rain

Axl Rose and Slash at their best..a great love ballad..But seriously please do not smoke while playing guitar. Smoking is not a good habit since I was a somewhat moderate smoker about two years back and can empathise with regular smokers. Smoking is never good since it kills your endurance, ages you and it is very injurious to health..What you will STILL smoke..Why? Because you think you Continue reading “November Rain..Welcome November..Quit Smoking”

The Dudes Chest/ Tricep Workout..Go Nish Go..135lbs by November..60kg

Yesterday I had Chest and Triceps as my workout muscle. Usually the workout should include Chest, Shoulders and Triceps, Chest being the bigger muscle. If you have time constraint better to do Chest and Triceps

The thumb rule is to do lift your weight in bench press although it’s not easy. i.e if you weight 65 kg, you should be able to lift about the same in bench press. Missed my target of 60 kg benchpress which is 135 lbs. The best i have done with help is 55 kg i.e. 125lbs.

I start with push ups apart from cardio on treadmill. I tend to do about 6-80 push ups in various sets during my chest workout.


Bench Press: 4 sets : 10-8 reps ideal would be 12 reps. Push ups ongoing

Dumbbell Press about 2 -3 sets

Incline and Decline Press ( 3 sets) either with dumb bell or with weights and end with cable crossover. For beginners better to use the machine for chest press.

In this video which i shot yesterday i am lifting about 115 lbs ( 52-53kg). The bar is about 45 lbs with 35 lbs weights on each side. The video did not capture the full workout but did about 7 reps..

In all you should be doing about 100-140 repetitions across all the chest exercises not including  push ups.

Customise it according to your capacity. My target by end of NOVEMBER would be to do 135lbs in benchpress i.e. 60 kg..Come on Nish The Dude you can do it..Go Nish go..



Triceps are bigger muscle than biceps and bigger triceps helps to make the arms look bigger as opposed to popular opinion.

Best would be to start with close grip on bench press to develop bigger arms. (3 sets)

Another popular exercise in India is Triceps Pushdown using gym equipment. (3-4 sets). You can also use the same equipment to use Triceps overhead. Another popular  exercise is bench dips shown in the photo. For advanced gymmers bench dips can be done using two parallel bars

You can end your routine with Tricep dumbbell kickback.

(Source: Pinterest)

Some tips try to avoid skull crushers if your form is not correct.Refer to the website for more triceps exercises

You can end your routine doing a bit of cardio or abs excercises.

Disclaimer: Please consult your trainer for the correct form or routine. This article is only to be used as an informative piece to help you develop better


Sufi Rock..Want to Swig at SWIG, Pune

12112016_662017670607978_7717934610508553404_nRemember Nusrat Fateh Ali Khan‘s song Afreen Afreen featuring Lisa Ray..Of Course no teenager in the 1990s can ever forget the legendary singer with one of the most beautiful women to have engrossed the whole nation with her ravishing beauty and dazzling eyes. More about it later..Other prominent Sufi singers have been Abida Parveen, Rabbi Shergill,Harshdeep Kaur, Ghulam Ali to name a few.  

Continue reading “Sufi Rock..Want to Swig at SWIG, Pune”

The Smartest Guys in the Room: Enron

One of the best documentaries ever on Enron and excesses in corporate America. Consider this..

Jeffrey Skilling, CEO of Enron had said. “I’m fucking smart”..He is MBA from Harvard Business School while Kenneth Lay was a PhD. in economics. A must watch documentary..available on youtube under the same name.



Rise of Structured Products in Wealth Management

download (1)Credit crises in 2008 highlighted the risks associated with complex derivatives and securitization. However complex and exotic derivatives have also helped to diversify risks in the form of structured products which form part of alternative investments in wealth management.

Structured products, as described by the Financial Industry Regulatory Authority (FINRA), are securities derived from or based on a single security, a basket of securities, an index, a commodity, a debt issuance and/or a foreign currency and swaps. Structured products can be plain vanilla product (composed of zero coupon bond and put/call options) or can have exotic options (digital options, look back or knock out structures) and can be principal and non principal protected. Structured products could range from simple index linked structures which are principal protected to non principal protected structures having credit default swaps as an underlying asset class. Globally, low interest rates have driven investors in search of high yield products apart from traditional asset classes like equities, fixed income and real estate.

Structured products are one of the fastest growing products in alternative investments especially in Asia in private banking and wealth management for high net worth investors (HNI investors with investable surplus of USD 1 million). Structured products help investors to diversify their risk and form an important asset class in Markowitz portfolio theory of efficient frontier.  Structured products can also be tailor made by asset managers for investors (HNI/UHNI) depending on their risk profile, investment horizon and view of the underlying index. Moreover structured products appeal to the growing investment savvy investors who are themselves sophisticated enough to understand complex derivative structures and investment strategies.

images According to Credit Suisse, global wealth is USD 253 trillion with Asia especially China as the biggest growth market and not surprisingly has the second highest number of millionaires next to United States. After credit crises, appeal of complex structured products which are more common in United States and Europe is on a decline with simpler vanilla structure products being favoured especially in Asia. Strict rules and regulations against complex derivatives, CDS market nonexistent except for a few blue chip companies and non convertibility of currency esp. in India limits the scope of complex structured products in emerging markets. In India about 90% of the structure products are equity linked products to Nifty while in China trusts and vanilla structures are sold routinely in unregulated shadow banking.

1-Cash-Prevails-Over-Equities-2015Going forward as capital markets especially the derivative markets develop and become more complex in emerging markets like China and India and as investors become more investment savvy,  structured products will play a pivotal role as a diversification option compared to traditional asset classes like equities and fixed income. According to Warren Buffett derivatives might be financial weapons of mass destruction but when used judiciously it helps to diversify risk and add liquidity to the system.

The richest 1% of the world’s population now owns 50% of its total wealth, according to Credit Suisse. Why?? Is this information not disturbing.. 

Detailed report on wealth management coming soon..Stay tuned


Yoga at its Best:Sivananda Ashram

Continuing my series on Fitness & Wellbeing, Travel & Adventure and Spirituality, we take a look at Yoga as a means of Fitness, Wellbeing & Spirituality in this article. Yoga sutras a compilation of asanas with mindfulness  is credit to Yogi Patanjali. they are a set of physical asanas along with meditation which help in the union of  body with consciousness resulting in both physical and spiritual well-being.  We will not dwell deep into the origins of Yoga since Swamiji_Classic_1many books and literature is available on internet.

In this article and series of articles i will discuss my experience at various Yoga centres across India during my spiritual sabbatical apart from my experience in Vipassana meditation.
We begin our journey by discussing the very famous Sivananda Ashram  which is spread across the world with headquarters in Canada (not surprised since Canada is emerging as a spiritual hub in the world).  Founder of the International Sivananda Yoga Vedantamaster Centres, Swami Vishnudevananda, was a world authority on Hatha (yoga symbolising physical postures)  and Raja Yoga. Swamiji was also known as the “Flying Swami” for the different peace missions he accomplished around the world.Swami Vishnudevananda was a disciple of Swami Sivananda, who was one of the greatest Yoga masters of the 20th century, Swami Sivananda, is the inspiration behind the Sivananda Yoga Vedanta Centres. The teachings of Master Sivananda ( photo on right) are summarized in these six words: Serve, Love, Give, Purify, Meditate, Realize. ( Source: Continue reading “Yoga at its Best:Sivananda Ashram”

The Nobel Prize in Physiology or Medicine 2015 jointly shared by Chinese, American and Japanese

The 2015 Nobel Prize in Physiology or Medicine

with one half jointly to

William C. Campbell and Satoshi Ōmura
for their discoveries concerning a novel therapy against infections caused by roundworm parasites

and the other half to

Youyou Tu
for her discoveries concerning a novel therapy against Malaria

Diseases caused by parasites have plagued humankind for millennia and constitute a major global health problem. In particular, parasitic diseases affect the world’s poorest populations and represent a huge barrier to improving human health and wellbeing. This year’s Nobel Laureates have developed therapies that have revolutionized the treatment of some of the most devastating parasitic diseases.

William C. Campbell and Satoshi Ōmura discovered a new drug, Avermectin, the derivatives of which have radically lowered the incidence of River Blindness and Lymphatic Filariasis, as well as showing efficacy against an expanding number of other parasitic diseases. Youyou Tu discovered Artemisinin, a drug that has significantly reduced the mortality rates for patients suffering from Malaria.

These two discoveries have provided humankind with powerful new means to combat these debilitating diseases that affect hundreds of millions of people annually. The consequences in terms of improved human health and reduced suffering are immeasurable.

Read the full article here.

The Nobel Prize in Physics 2015

12047030_10206096388226073_8678560525103461817_nMetamorphosis in the particle world

The Nobel Prize in Physics 2015 recognises Takaaki Kajita in Japan and Arthur B. McDonald in Canada, for their key contributions to the experiments which demonstrated that neutrinos change identities. This metamorphosis requires that neutrinos have mass. The discovery has changed our understanding of the innermost workings of matter and can prove crucial to our view of the universe.

Around the turn of the millennium, Takaaki Kajita presented the discovery that neutrinos from the atmosphere switch between two identities on their way to the Super-Kamiokande detector in Japan.

Meanwhile, the research group in Canada led by
Arthur B. McDonald could demonstrate that the neutrinos from the Sun were not disappearing on their way to Earth. Instead they were captured with a different identity when arriving to the Sudbury Neutrino Observatory.

A neutrino puzzle that physicists had wrestled with for decades had been resolved. Compared to theoretical calculations of the number of neutrinos, up to two thirds of the neutrinos were missing in measurements performed on Earth. Now, the two experiments discovered that the neutrinos had changed identities.

Click on the artcile below