That feeling when you pass your first real test of the season.

  • Pogba is slowly and steadily becoming the midfield gladiator that United thought they were buying when the World Record transfer fee was broken last year.
  • It was a dominant first half but United simply lacked that finishing touch. There was one instance in the first half when Blind had to hold on to the ball for more than a couple of seconds waiting for somebody in Red to attack the penalty box. United needs to be more dominant while attacking the box.
  • I am still waiting for the time when both Martial and Rashford are allowed to ply their trades through the two wings. Mou might be inclined to give it a try if the two kids were a bit more consistent with their performances.
  • Schmeichel makes it 3 saves out of the last 5 penalties and if that is not special, i wonder what would ever be! One interesting stat is that he apparently has made more penalty saves at OT when compared to his Dad :O
  • The goal however, came through an unexpectedly poor moment of marking by Leicester. Rashford himself might have been a bit surprised when he was left unchallenged and the ball just skipped past the melee of players.
  • My MOTM for the day was one Mr Phil Jones. He was always kept on his toes by Vardy and during the later stage Slimani. He was assured throughout the 90 minutes and never shied away from a single challenge. He dominated the air and turf so well that his partner Bailly had one of the easiest outings yet. To his credit De Gea kept us assured that he had not dozed off out of boredom when he made the first real save at the 93rd minute and thats why kids he is the best in the world for me.

10-0 to start the season. #United

The wall at Liberty breached !

United @ Swansea, August 19th, 2 Cents.

  • Everything was just like old times, United were up against an inspired team, who to their credit pulled up their socks and got on with their business just hours after selling off their main man to a record transfer. The high pressing with which they started the match was more than an inconvenience to United and if it were any of the last three seasons would have been good enough to leave United in a frustrated heap. For United, when your manager names the same staring 11 for a second match, you did tick a lot of those story points in the first match and United just shifted the gears into the second half.
  • This United team is built around two individuals –  Pogba and Rashford and it’s high time both of them realize that and get done with the antics that poor temperament brings to their game. They simply cannot go around moaning and rush into rash tackles just because a couple of decisions didn’t go their way. They need to realize that the team relies on them and just shrug it off and get on with the game.
  • It has just been 2 games into the season and yet the impact that the Matic signing made is already pretty evident. He is the primary reason why most of the match was played in the Swansea half.
  • The set-piece defending from United’s perspective left a lot to be desired. Matic, Bailly and Blind were left rooted to the ground while trying to clear the ball and this was probably one of those areas which would need some work as we work our way towards stronger teams.
  • Martial has more than laid forward his credentials and absolutely deserves a nod in the starting 11 from Mou. His arrival just changed the complexion of the game when meaningful ball possession was converted to more meaningful numbers on the scorecard.

The way this United team slowly ground down a resilient Swans and then switched on to overdrive after the 80th minute was like beautiful classical quickly getting replaced by heavy metal. Matic (8), Lukaku (8), Mikki (9), Pogba (7), Martial (9), Bailly & Jones (8 each) had a brilliant game whereas Mata, De Gea (not at all his fault) and Valencia had one of the quiter games.

West Hammered ! United off to a flyer !

Manchester United 4 vs West Ham, Aug 13th, 2 Cents:

  • The urgency, the flair and the dominance has sneaked a peek for the first time in so many years. United dominated with the performance of the weekend.
  • Mikki, Matic, Pogba and Rashford were there closing down every time WestHam got a touch on the ball. The urgency was there to be seen and for the first time in a long time we did not take the foot off the pedal after scoring.
  • Rashford is my main man. He was there available, making the runs. getting back to defend and going at it direct at the West Ham defenders. He made the space available for Lukaku to cap of a wonderful OT debut.
  • Mikki seems to have gotten his swagger back. The way he waltz past defenders is such a joy to watch and one player of whom i expect a lot this season.
  • How on earth did we get hold of Matic? One upgrade in the middle of the park and the rest in front got upgraded automatically ! He was there foiling every single counter attack by West Ham and was instrumental in the flair-rich show put up by Pogba in the midfield.

Yes, this is just day 1 of the season but the show is on and what a display it was. It was a marker laid down in the boldest of fashion. I am so damn excited about the new season. GGMU.

 

HJ’s weekend

Written By: Harinee Jibeesh

Written: 05/30/2017

My weekend was fun because I went bowling, went to the playground , played with my friends, watched a movie- Parent Trap. It was fun. There was a baby in the home that I watched it in.My parents friends had come to visit us from Richmond. I played with the 2 babies and that was my weekend.

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

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 turns well in advance. Why then do you wait till the last 1/10th of a mile to merge? adding salt to the injury are those who merge with little to no space to merge. It is left to the drivers behind to brake appropriately.
  • No Indicator Turns: those lights on your cars aren’t ornamental people. For fuck’s sake, light them up at least 5 second before your turn. There are those who don’t even use indicators and then there are those who use it after they have started to turn. What exactly do you think is the purpose on an indicator?
  • Tailgaters: Or maybe I should say Tail-gators. Why in the world would someone want to tail gate? Maintain a 2-3 car distance. Isn’t it as simple as that? I am determined to call the cops on the next person who tailgates me. It should count for harassment, right? Imagine you are one of those lovely tailgaters and the one in front of you belongs to the category above…see where I am going with this? It is not hard to predict the future.

The next one causes me amusement more than anger or frustration.:

  • Distracted Drivers: You better have an amazing life insurance (and auto insurance too) if you are one of those who loves to use your cell phone or groom yourself (read make-up) when you are driving +10 on the left lane. Let me tell you this, I have 100% confidence on your driving skills but are you sure that the driver about to merge into your lane isn’t high or crazy? Are you willing to bet your life on the driving skills of those around you?

I have always had a kind of curiosity on what might have triggered the origins of the word ‘Fucktard’. Now, I am almost certain these are the people who lead to invention of an innovative word. That being said, do you have any personal pet peeves around drivers on the road?

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.

  1. We owed more on the car than our net-worth.
  2. Rate of depreciation was faster than rate of loan repayment.
  3. For a family of 2 that uses a local train for commute, SUV wasn’t really a necessary vehicle of choice.
  4. Our Rate of savings would take a huge dip thanks to an exorbitant monthly payment.

Today somebody backed into our car. The damage was more than what one would expect as it was a simple parking lot accident with neither party hurt\scratched. Air Bags were not diffused. Their insurance is paying for the damages.

As a result:

  1. Our 1 year old newly purchased vehicle has an accident history.
  2. We now owe more on the vehicle than it is worth.

We wish we had come across Mr.MM and the FI Community earlier. We could have avoided this mistake and ended up with more savings. The only saving grace is that we will be hanging on to the vehicle as many years as we possibly can. This was a Lesson learnt the hard way.

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. I used the leaves within the first 2 weeks. I think it dried up after that’.

The man soon makes his way to the second son’s home. He realizes that the second son is far more prosperous than the first one. And as expected, after his initial conversation, he brings up the curry leaf plant. The second son replies: ‘Oh that plant? You should come out and see it. It has become a huge tree and has produced several other plants and the entire neighborhood now uses Curry leaves from my plants’

Regardless of what the details of the story is, when you think about it, it does boils down to common sense. Anybody can tell you that. Do not strip the plant of all its leaves. Let it have a chance to grow so that it can replenish the leaves. And once you do that, the plant can provide you with curry leaves for the rest of your life. If understanding a plant is so easy, why then do so many people have a tough time understanding their finances?

This story spoke to me as a kid. What i learnt is – Do not continuously withdraw from your savings\investments to a point where it cannot build up faster than you withdraw. Let it grow to a point from where withdrawing will not affect the year-on-year balance as the interest will keep replenishing whatever you take.

*Curry Leaf: It’s a common leaf native to India\Sri Lanka and is used a lot in Cooking. Not to be confused with Curry Powder. scientific Name: Murraya koenigii.

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 format in which Infosys gives the experience letter. You would have to list all your job duties and Tools for which you are requesting the experience letter.  Sample below:

The second document has 2 sections. The first section is for your current employer to fill out.  It requires them to confirm that they require the experience letter for the GC processing. A sample snapshot of the document looks like this:

The second section if for you to list down your managers during Infosys Tenure. Your managers will have to validate your job duties and tools used. I listed 5 managers from my Tenure and the request for validation was sent to 2 of them. You can use approximate start and end dates as it would be difficult for anyone to remember these for all their projects.

Step 03: After filling out the 2 documents in step 02 to the best of your knowledge, reply to the email from US_EmpVerification@Infosys.com with attachments. Within a couple of days, you will get an email saying it has been sent to your managers for validation. This email will have the email address of the managers to whom it has been sent for validation.

Step 04: Once it is approved, you will receive the employment verification letter in your inbox. If not,  Send an email to your managers saying that you have asked for a detailed experience letter and they would have to approve it. I also listed down the duties for which I was seeking their approval and listed them down by projects. This is not something one should do, but I did.

Step 05: You will get the experience letter within a day of the managers approving it. In my case, it took about 10 minutes between the managers approving and me receiving the letter in my inbox.

Points to Note:

  1. I do not know Infosys Internal SLAs. I can only guesstimate based on my experience.
  2. Infosys gives the experience letter as a courtesy and reserves the right to deny it.

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

  1. Where is my money going?
  2. Can we live happily and save with 1 person’s salary in the USA.
  3. 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

  1. People who drive Flashy and expensive Cars are not necessarily millionaires.
  2. You cannot point out millionaires by their attire\car or their house.
  3. Most Self-Made Millionaires’ households run on budget.
  4. Ivy League Education may guarantee a high paying job but not necessarily a high bank balance.
  5. Millionaires don’t necessarily eat fancy food or at fancy restaurants.
  6. There are more millionaires than we think of.

Maybe if those aren’t the things that you are looking for in a book, the following might be interesting. The authors have presented the book as a case study with detailed math charts. Most of the case studies are presented in a way that one could easily relate to. It is easy to find yourself as a character in the book. So, if not to gain a new perspective on the world of millionaires, read it to judge yourself on the scale set by average millionaire next door. The presentation and point of view of the authors is presented in a practical yet humorous way.

What the book does not do is give you recommendations on what you should do with your money. It just tells you what Millionaires so with their money. Even if it is just for fun, go read it!

 

*Most FI Blogs don’t recommend buying books. They recommend Library.