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Monday, July 13

Author: shalady

Harinee Writes

I love School

School school school, You are the best Cool! Holly the best Yay Out in Antarctica Open to Learn Love School Forever   -A Poem by Harinee Jibeesh Published: 06/27/2017
Road Rage inducing Drivers
Random Musing

Road Rage inducing Drivers

Anyone who knows me knows that I don’t anger easily. And in the past 2 years, I have realized that more than anything – it is those Idiots on the road who make me angry . Here is a list of my top ‘Get the Fuck Off the Road’ people. Driving Slow on Fast Lane: For some, it might be ignorance but for majority it is not. Regardless of your speed, if you are on the left lane and you see a vehicle behind you, you must move to right and let the vehicle pass. FYI – Left Lane is called ‘Passing lane’. Pass and merge people. Don’t hang out just because you pay the road taxes. You might be driving at speed limit +10, but if the right lane is empty – you must move. That’s the law of the land. Last Minute Merge: These are the people who merge at the very last minute. All maps point out to your ...
Practical Lesson: New vs Used Car
Money Matters

Practical Lesson: New vs Used Car

A year ago, after months of new vs used research, we ended up with a 5-year loan on a brand-new over-budget Toyota Rav4. It was my first ever car (new\used). We plan to keep the vehicle for a few years (more than 5).  As apprehensive as we were while buying a new vehicle, the joy of a shiny new toy convinced us that it was a good decision. The 0% interest on the loan helped too. Warning lights for following got thrown out of the window. We owed more on the car than our net-worth. Rate of depreciation was faster than rate of loan repayment. For a family of 2 that uses a local train for commute, SUV wasn’t really a necessary vehicle of choice. Our Rate of savings would take a huge dip thanks to an exorbitant monthly payment. Today somebody backed into our car. The damage was ...
Money Matters

Power of compounding using Curry Leaves

Most of the inspirational blogs I read nowadays tie to some childhood memory that I seem to be hanging on to. I came across the online Financial Independence community recently and most of them talk about the powers of saving and compounding. This reminded me of a story my mom told me as a kid and here it goes A man had 2 kids and when they were grown up and ready to make it on their own in the world, he gave them each a small curry leaf plant* and asked them to take care of it. Curry leaf is widely used in a variety of Indian dishes. A few years later he decides to visit his sons. He makes his way to his first son’s house. After the initial conversations, he brings up the curry leaf plant that he had given him when he left the home. The son replies: ‘Oh, that plant? It was so tiny. ...
Obtaining Infosys Employment Verification Letter
Others

Obtaining Infosys Employment Verification Letter

How to obtain a detailed Infosys Experience Letter? As a courtesy, Infosys has started giving detailed experience letters which is necessary for I-140 Immigration petition\PERM application in USA. The process is extremely simple. I got my experience letter within 2 weeks. If you are still in contact with your managers from Infosys Days, it would be easier. Following is a detailed step by step guide to get your experience letter. Step 01: Send an email to US_EmpVerification@Infosys.com  ReferenceLetters@infosys.com (Edited February 2018) stating that you are looking to get your detailed experience letter. Step 02: Within a couple of days, you will get a response along with 2 attachments for you to fill out. If you do not hear back, you can always follow up. The First document is a...
The Millionaire Next Door – Book Review
Money Matters, Reviews

The Millionaire Next Door – Book Review

I do not know why but I am into Financial Blogs these Days. And one of the books I came across on multiple blogs is ‘The Millionaire Next Door’. This book was available on EBay for 2$ with free shipping so I got a copy for myself*. Anybody who is $ conscious should read this book. It is about 2 researchers who study common habits of millionaires. Here the term Millionaire is someone who has 1 million in savings\investment\worth. Why should you read it? Because it answers the following questions Where is my money going? Can we live happily and save with 1 person’s salary in the USA. Kids are so expensive these days. It is impossible to save with kid(s) in USA? Some of the most interesting things I learnt from the book People who drive Flashy and expensive Cars are not ...
Fate of the Furious – the No-Spoiler movie review
Reviews

Fate of the Furious – the No-Spoiler movie review

My rating: 8/10 This movie has more ups than downs. The scenes are amazing and I have a feeling that small screen will not do them justice. If 10$ is too steep for you, wait for a Saturday morning show at a local AMC or use the free movie ticket options that mobile carriers hand out on Tuesdays. Do what you have to do, go check this one out at a theater. Good The sequence the movie begins with is quite cool where Dom is challenged to race with a pitiful excuse of a car. Rock and Jason Statham. The chemistry they have is amazing. Their witty interaction makes you smile every single time. I loved the Car\Van\Jeep\Tank\Submarine Chase on the snow. It was something new that I had not seen before and this sequence alone is worth watching the movie for. It is the right dose o...
Life – the movie review
Reviews

Life – the movie review

My Rating 8/10. This movie has more ups than downs. So, I am going to give it a 7 on 10. The +1 is for Ryan Reynolds and Jake Gyllenhaal. It is a thought provoking movie so be prepared to come out with a lot of questions about Life. The Good Amazing Acting by everyone. There isn’t one person in the cast who hasn’t done justice to their roles. Simply brilliant. Amazing concept. The storyline deserves a round of applause. I loved the way they started with what proof of life outside earth could mean and the possible cures for most of the health problems faced by the world today. Literally, some of the best out-of-the-world Cinematography (I can say ‘Literally’ without cringing). Loved the picturization and the rebirth of the alien form. Those were well enacted scenes. The ...
Do whatever you want. Others can take a hike!
Random Musing

Do whatever you want. Others can take a hike!

To start with, I define Kid as anyone between the ages 10 and 15. As a Kid, I watched a lot of informative television channels and had a lot of ideas about what I wanted to do with my life. My mom always made sure there were enough Essay books at home (pre-internet era) so that I was never hungry for knowledge. I had a few very specific ideas about what was right and what was wrong and many a times voicing my opinions to the grown-ups resulted in lengthy debates that would always end up with a ‘You are a kid, wait till you grow up’. Now, around 15 years later, I think ‘Damn, I was a smart kid!’. I will not visit the Temple Regularly: I come from a religious family. As a kid, I remember Dad going to the temple before work every day. But somehow, as traditional as my parents were, they ne...
A Pound of Flesh for Refinance
Humor

A Pound of Flesh for Refinance

It was a couple of years since I had bought my house. The interest rates had dipped since I had taken the Mortgage. This was a perfect time to utilize refinancing options. Luckily, one my close friends is a lender. I discussed my options with her and agreed upon a refinance plan. She said she will send a list of documents that are required for the process in an email. She warned me that the list would be quite an extensive one. A day later, she sent me a professional email including her colleagues with the following list. Hello XYZ, As per our discussion, the following are required for Home Loan Refinance Last 2 Pay Stubs Tax Returns for current year W2s for last 2 years Homeowners Insurance Title Insurance Current mortgage statements Home equity loans Credit card St...