#GOSF and other #discount sale - Do all consumers benefit from these sale?

There has been a lot of fuzz around the discount sales , primarily the online ones . People are tempted to buy a lot of things online for a "discount" as they are available at seemingly " throw away" prices.

One of my friends bought a tablet for Rs 4000 as it was available at a cheap price. he already owns a smart phone,a  phablet and a laptop.

Another friend of mine from Chennai bought a thick winter jacket for Rs 400 for future usage .... he might travel sometime in 2020 :-)

These are some just a few examples.

Of course, how one spends his or her money is a "personal" thing.
But I feel that these online sales seem to drive some "crazy" consumer behavior.

Those who succumb to the "cheap or discounted" price tags end up buying things that they actually don't "need".

When you buy things that you don't "need"-you think that you got a deal in terms of discount,but  you actually loose all the money that you pay to get the product. So,discount doesn't matter when you buy something that you don't really need.

"Buy -what you need" -Distinguishing between what you WANT and what you NEED can make  intelligent consumers.

Happy Shopping!

God is a gamer - Book review

Ravi Subramanian’s new novel  “God is a gamer” is a thriller woven with a banking background ( as usual). I received this copy of the book signed by the author from blogadda for review
When I picked up this book for review and reading, I thought it is going to be a one another typical Ravi’s novel with overdose of NYIB events. But to my surprise there wasn’t any overdose of banking power politics. The story is although woven around the concept of “Virtual money”.
The narrative starts in the US with companies like Master card, Visa doing some lobbying to protect their business. It also gets into how the US government tries to kill wiki leaks et all. The official involved in all of these activities gets killed and then the story moves on to India.
( Hats off  to the author  for using real life names in the book- Mastercard, Visa, wikileaks, Facebook, RBI, Farmville, etc except for “Citibank” and “E-serve”)

The story in India takes us back to the characters from Ravi’s first book.  Story moves on with narratives of investigation in the US, Board room of a gaming company, Romance in the beaches of Goa, The race for governor of RBI and  Series of ATM crime in the US.
The story confluences at the end to reveal the plot. However, I felt that the plot got a big dragged in mid-way. So, any reader can safely skip a few chapters after pg 150 or so and then read the climax ( without having really missed anything).
The real culprit is caught in the end. The story after the epilogue actually reveals “the culprit” and the real culprit was trapped for the misdoings of the past.
The author seems to have done some decent research on topics covered including bitcoins, encryption, card skimming, etc. Atleast a non-technical reader will find the facts stated to be convincing.

Some lines- which I liked from the reading.

“In those days India , I could have spund the ‘ India as an investment destination’ story. A country of one billion people made global bankers salivate and put in money year after year in the hope that profits would come some day.People these days don’t have the appetite for that.There is no room for dissent.Indian teams of multinationals these days a expected to execute and NOT THINK”

“Career longevity is more important than career enhancement.Jobs are few and many people are chasing them.Your first priority should be to save your job.if you live, you get to fight your battle another day”.

“ How Can I Expect you to remember how Socrates died 2500 years ago?” “Well, 2500 years pass and the means of killing remain the same”- Hemlock seeds.

Overall, a good read if you have not attempted any of the author’s previous book. Else you may be able to predict the events that unfold. Should we expect anything from the author that doesn’t have any influence of  Citibank ..oh Sorry NYIB…Looking forward for a fresher theme and thinking from Ravi.

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"LED "on a personal loan

Names have been changed to protect identities.

Rajesh works for a software company . He has been paying EMIs for his personal loan ( >5 lakhs). The personal loans were availed during the last two years for various purposes like closing down a credit card loan, to meet some personal expenses and to "invest" in a piece of land ( which is a few 100 kms close to the metro where he lives :)).
Realizing that 16% pa being paid was too much, he decided to close the personal loan as fast as possible. Then Govind ( close friend) approached him with an offer. Govind's employer was offering him to buy an LED  TV worth 72 K for 42 K ( @30K discount!!) as a part of tie up with the TV brand. Govind offered to give the TV to Rajesh for 50K( 8 K profit for him).
Rajesh found the offer irresistible, he thought it was a golden offer to GAIN 22k. He went ahead and purchased the TV through Govind. Was happy to have got such a bargain deal!!!. Source of 50K- Another personal loan:-)
Rajesh also switched from a local cable operator to a branded HD DTH provider increasing his monthly cable outflow from Rs 75 to Rs 300.

 I am simply surprised by Rajesh's financial behavior. When I ask him about this, " Hey man, we should learn how to enjoy life".

What do you think??

Book Review : Private India

"Private India " is co authored by  Ashwin Sanghi and James Patterson. Sanghi has previously authored  best sellers like Chanakya’s Chant and Krishna Key. In this book he has partnered with America’s mystery-teller.

I havent read any of the author's work earlier.Looking at their profiles , I started reading this book with "great expectations". The story begins with a good suspense and is plotted in the city of Mumbai

A series of murders seemingly linked to each other come out and the investigation is with private investigators. The head of "Private India" is the chief investigator and he has an international boss.Private India is portrayed to have a rock solid investigation team with "state of the art "  investigation aids and unlimited brilliance.

The  thematic series of murders when being investigated makes you suspect almost all the characters that are introduced and the suspense is maintained throughout the end.

With such a story line, did the book keep me interested?  my answer is no. Because, the theme of the murders is not so strongly explained and is also diluted with another sub plot of "terrorism".

Adding too many twists, too many suspects and trying to link a lot of events and personalities unsuccessfully makes the book a bit of a "Drag".

The authors also keep highlighting the "sad past"  of the investigators, which do not draw a connect to the storyline till the end . ( or atleast, I couldnt figure out the connect of their background and the storyline. Possibly, they are connected to the sequel or the prequel?).

Some excerpts from the book which I found was interesting-

Having located The Nine Durga Avatars of Hinduisim , they sat down at an illuminated desk.

The mother goddess - Durga- has three basic forms and each of these has three manifestations thus resulting in a total of nine avatars. Each night of nine day festival of  Navratri is dedicated to one of the nine avatars.

....and found the chapter that described the first avatar of Durga. She was known by the name Shailputri.

......"The name Kushmanda is derived from two seperate sanskrit words"..Kushma which means warmth and anda which refers to the cosmic egg. So kushmanda is considered to be the creator of egg- shaped universe."

"The name Chandra ghanta is a combination of two words- chandra and ghantha. ..The night of the murder as per the almanac was a half-moon night. The half-moon is also a symbolic representation of  a bell.
....The Eighth avatar was mahagauri, depcited with a fair complexion and holding a drum.Finally, the ninth incarnation - known as Sidhdhidatri- was shown with four arms holding a discus, a mace, a conch , and a lotus"

If you want to find out more about the avatars and the murders that are depicted in the book, you may pick up a copy of  the book. But don't blame me for any disappointments as I hope I have forewarned you enough  of what to expect from the book.

Verdict :- "Two" many cooks , spoil the book.

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