Epic FML Story of Rajesh a.k.a Pandu

To start this epic story of Rajesh, let me clear what FML means(for our n00b readers). According to Urban Dictionary “an acronym for Fuck My Life, but also the name of a popular website, where people post their embarrassing stories.”. So in short this is one of the most funny and embarrassing story of our dearest kid Pandu.

I still remember it was one good evening of Tuesday, June the 21, 2011. Whole story is as fresh in my mind as it just happened. It was one of the rainy day of the season, and I was thinking why it is raining too much all of sudden, why monsoon is not preceding as it should, and cribbing about people who damage environment. Irony was that I was also sitting in air-conditioned room contributing towards global warming and climate change.

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Choti Choti Magar Moti Batein

Thanks to Deep Bhaiya for sharing nice tips over twitter regarding finances :) This post contain some great tips given by Deep on twitter. Here the great tips by Deep Bhaiya goes :-

  1. If you have to take loan for any reason. Take from the nationalized or co-op banks.Not from any person or private banks or organizations.
  2. If you need money for short time on regular basis. Use cash credit or overdraft facility from the banks.
  3. Also stay away from installments or part payment to Credit Card companies. Their interest rates are always around 40%.
  4. Personal loan from private banks should cost you at around 20-22% interest.Nationalized bank should cost you around 15%.Even less many times
  5. Also when you take loan ask if there is any fine if you pay early. Get it from the banks which doesn’t have any fine.
  6. Also never get scared of paperwork. Nationalized banks need lot of forms and paper signed but it’s fine. Interest rate is low.
  7. When you invest in tax saving mutual funds. Specially SIP. Make sure you know how repayment is gonna be after the maturity period. Most of the SIP funds do not return everything at one shot. You get your funds on monthly basis. (if paid monthly)
  8. When you get a credit card. Don’t get lured by points earning explained by marketing guys. Get free cards to start with.
  9. Also in credit cards. Silver, Gold or Platinum. All are same. Each one boosts your ego to a different level. That’s it.
  10. If you are a frequent traveller, look for paid travel credit cards which give u miles on spending.(e.g. Amex kingfisher, DB platinum travel)

Good Bye 2008

The Year 2008 is now leaving us :( . This year I seen loot of Ups and Down . This year for me , was having lot of Good as well as Bad thing too , let me list all those things

Best Thing that happened in 2008
I’m Graduated
I’m RHCE
I was away From Hostel :P

Things That Touched my Heart
All terrorist attacks
Loosing Friends as College was over :(
Left College

This year I’ve started my Personal blog , tumblr site and twitter too

Wat else . I’m almost dead at bloggin too :P so thought to post this :P