Check what you wrote on echoChamber. Specifically this.
Month: May 2019
P2P Lending Policy
Ha! This is as formal and official as I can get with a blog title…
You know how life works right?
You want things – you look at the money you have, if you find yourself short, you ask around for help. No, not banks. You go and ask for it from friends, family, fools et al.
I have often asked friends, families, fools and strangers for loans for work. And they’ve been kind enough to offer the loan and extend an infinite payback period – so that’s cool.
Plus, I’ve been on the giving side as well.
However, most of them were not for work!
I am digressing. I will come back to this.
So, when I take a loan, I track it on a document, get obsessed about it and can not get good sleep unless I’ve returned it. As we speak, I have to pay back 3 lakhs (a working capital loan that I took from a friend). Apart from this, I have some sundry payables to vendors and suppliers – these are not really loans but are regular transactions that I need for business, which is ok. Apart from these two categories, I have no debt (no EMIs etc).
But then these are friends and acquaintances and all that and thus I feel obligated to help! Leave the obligation on the side. I really want to help. That’s the point of why I am alive! You know, my raison d’etre. To help. Enable. A billion people.
And more than the suffering I induce on myself from a financial loss, I feel sad. For I hate to see people around me struggle to manage their wants.
And I feel bad. To have been let down. Let down that people that I care for could not keep their promises.
And I feel bad to have lost trust and faith on the ones that did not return. Of course, these are micro-loans (3K, 10K, 50K et al) and I can live with the loss. I anyway realised long ago that money is merely an object and not the most important thing. Time is.
And the worst part? It has made more difficult for subsequent “want-ers” to borrow money from me. Once bitten twice shy. Plus, because I want to help others and all that, I feel bad (and sad and even miserable) every time someone asks for money and I have to say no.
Well, to be honest, most times I don’t have free cash flow. And the other times when I do have the cash flow, I can no longer bring myself to face disappointment again!
But counterintuitive to how I would operate. This is one of many tangible changes in my behaviour – thanks to time spent at the Mastermind group. Thanks, guys! You MUST get one!
So, going forward, if you are going to ask for a loan from me, please do note the following.
- I do NOT give loan to strangers. So, if we don’t know each other, please do NOT embarrass me by asking for a loan.
- If you know me, please read this blog post (if you’ve reached this far, you have read!) Yay!
- If I am able to give you a loan, please know that this is coming out from the small kitty that I have reserved for giving loans out. The Do-Good-Fund.
- If I do give you a loan, please know that I would want to know a date by which you’d return it. There is no interest, of course. Do not embarrass me by offering to pay the interest.
- If you are NOT sure of repaying (you don’t have the intention or you are not sure of your ability to repay), please tell me beforehand. It will not affect my decision or judgement. But it will save both of us heartburn. At least I will be mentally prepared.
- If you promise to repay and you do not, please note that you are affecting my ability to help others. And to me, that ability is MORE important than anything else in life! So, please help me! Please help me help more people.
- Oh and while you are at it, do read https://seths.blog/2019/05/selling-insurance-to-your-sister/
PS: Been working on this draft for well over a week. Since I came back from the break, words haven’t been flowing and I can’t seem to concentrate on work at all. With this post, I hope to break the jinx.
The SM Detox – Apr-May 2019
So I had this work travel thing from 28th of April till the 8th of May and I decided that this would be a great opportunity to not use the phone / SM. Why? Two reasons.
A, because I am travelling for work, I have this excuse that I can’t respond. So, I could get away from all the calls/emails etc.
B, I had to anyway do 12 sessions (one session is one weekend) of detox in this year. That means one session every month. And I am running terribly behind schedule on that. This was the perfect opportunity!
Side note. In case you are interested, this is what I hope to do in 2019.
So, from that 10ish-day long period when I did not have Twitter or Instagram, here are some random observations. In no order…
1. Replacements.
The human mind is so amazing that in the absence of little Dopamine awards that I was getting I found alternatives.
Once I uninstalled twitter, FB and Instagram, I resorted to using LinkedIn as a Social Networking tool. No, I did not respond to messages from strangers but I would scroll the timeline to see what the world was up to. Which is a good thing and a bad thing at the same time. Good – I know what the world is up to. Bad – the jealousy pangs when you see that everyone else has all the money.
The other one I got hooked onto was Tik Tok. Really. It’s sad to another level. I’ll probably write about it soon.
And 2048 (I saw Mihir play it on his computer once and I am hooked). I did reach 4096 if that is any validation.
2. Bliss
I realised that in the absence of social media, I had no clue what was happening in the world around me. I don’t read newspapers and I don’t have access to a TV. So I was largely ignorant about what was happening in the world. Things like elections, IPL and others went by and I was not affected at all.
3. Sleep
Did I sleep well because I was a little less anxious? No, I did not. Not because I did not have SM. But because I was at an event.
4. Am I working more / better?
No. I don’t know why. I think this is that thing that says that most people would revert to being their laziest self if given an opportunity. I’ve been lazy past so many days. I need to fix it.
5. I am old.
I realised that I am growing old fast. There was a time when I could stay up for hours at stretch and not get tired. Now, I was like a zombie. Even though I was not scrolling through my timeline, I was still up (for work) and that affected my health. It’s been 2 days that I am back and I am still weak and groggy and all that.
6. It’s tough to get back to the grind.
Really is. Really is. In the sense that, like I said, been two days, I am yet to start work! Work in the sense – writing, meetings, work etc.
7. I am sure there are more! But for the time being, this is it.
The lessons for next time?
That when I go on a digital detox, I ought to throw my phone out altogether. Sounds scary. But let’s see if I can do that.
Chalo, that’s it for the time being. Over an out.
PS: To be honest, this is not the best post that I’ve written.
I just wanted to get back in the grind of writing every day – I am yet to restart the SoG series (haven’t been able to think of the future of those letters), haven’t written a post on 100 people to thank, haven’t added a word on my next book even though I have someone who is helping me. Like I said, it’s tough 🙁
Let’s see where this goes in a few days.
Thank you, Suvi!
Post 10 of #sg100peopleToThank. More about this series is here.
Thank you, Suvi!
So, before the long post, here’s a short one. If I could thank just 3 people in the whole wide world, Suvi would be one. That’s the size of the impact that he’s had on me and my life.
Note. Suvi hadn’t met me. He just assumed that I am great, just because I was from MDI. Branding. Affiliation. So, attach yourself to great brands.
Note. Always, always, always respect what others do for you. Especially if they are strangers.
I did not know I was gonna be so wrong.
Not a fancy salary, not a promise of a great future. But a measly Samosa. At 7 PM. In an office in one of the bylanes of Udyog Vihar in Gurgaon.
And I have travelled the world (some 25 countries if not more) with him. From the sand dunes in Dubai to the top of the Whistler mountains, from posh parties at LKF to bar hopping at the walking streets all over Thailand, from the upcoming towns of India like Surat and Cochin and others to cultural capitals of the world like Paris and Budapest and others. From large hotels on the beaches of Goa to tiny rooms near the Coral Reef at Cairns. I have been so fortunate to have immersed in so many vivid experiences and learned from so many diverse cultures. And I have gained the experience that no school could ever teach me!
Note. If you are a 20-year old, go work for something that makes you travel like mad. It’s the best education ever.
And I have been at the backstage with celebrities, athletes, businessmen, motivational speakers, talent agents, artists and others. And I have seen their human side. I have seen them shake at the prospect of addressing a crowd, even though their day job is to motivate people. I have seen insecurities in their otherwise stoic countenance (who uses words like these?). I have seen the idea of my heroes getting shattered. And I have found respect for people that I would typically ignore. You know, how some people are invisible?
And most importantly, I learned EVERYTHING I know about the business of events from Suvi. And because of Suvi’s patronage, I’ve been able to create C4E and all the aspirations that I have with it (for the record, C4E will NOT end as just an event agency – we would be a full-stack entertainment company).
For everything.
Thank you for taking me under your wings, even though I had no clue what the events business was and yet you allowed me to make mistakes. Mistakes like losing money for the company, getting rude with the clients and often taking risky bets. And each time, Suvi, you told me to take a lesson and move on. In fact, thanks to this learning that has been ingrained in me, I try and offer an even longer leash to people who’ve chosen to put their faith in me and chosen to work with me.
Note. In life, if you find a boat that is going fast and going for the greatest ocean, attach yourself to it. Do whatever it takes to be a part.
Thanks to Gravity, I could make friends with other professionals in the events business and pick their brains.
Thanks to time at Gravity, I could teach at EMDI. Teaching is a big big theme for me in life. And if not for Gravity I wouldn’t be able to take a step in the direction. I would have remained oblivious to my limitations as a teacher. And thus, try and become better!
Note: If you can, teach. Has to be among the most humbling and enriching experiences ever.
Phew! I am tired of this note. The list of things that Gravity and Suvi did to me is literally endless. The impact that Suvi has had on me is immeasurable.
Thank you, Suvi!
Love you to bits.
That’s about it. And a lot at the same time :).
Thank you, Suvi. I shall remain indebted to you for life.
Oh, and Suvi told this to Dipanker once, that after an event, once you sit in the car to go home, you must forget what happened at the event – if it were great, good for you; if it were fuckall, good for you. You need to get detached. You must leave the event behind at the venue.
If not for this lesson, I would get drowned in the misery and fell down a rabbit hole of self-doubt!
PPS: Someone told that while these thank you notes are great, there has to be a tangible lesson, a takeaway for the reader. I like the idea. I have tried to insert some notes in between the text. Those are in italics and are titled “note.” Do revisit those.
Oh, and one large thing that I want you to take away from Suvi’s impact on my life is that often, just a handful of people will play a disproportionately large role in shaping your life. This could be because they take an active interest in your life. Or it could be because they give you opportunities that you otherwise would not get. Or it could be the mere fact that you spent time with them and picked things as you went along.
You ought to find those people. And put your faith in those. Live is way too long for you to get attached to your ego. No one is self-made. No one has “done it by himself”. Anyway, we are stuck on this Pale Blue Dot for a speck of time. Let go of aham and see the magic unfold.
And how do you find such people? You may not be able to pinpoint who these people are but try and spot patterns – who takes an active interest in your career? Who makes you feel comfortable when you talk to them? Who gives you a disproportionately large space of their mind? Who is generous without expecting anything in return? Who is always there to help you? You know what am saying?