We tend to stick to our guns. To believe we are Moses and have received our own personal version of the Ten Commandments on two tablets of stone.
We think that our
thoughts and feelings are correct, and those who do not think and feel like us
are ignorant, misguided, immoral, or, maybe, even all 3.
And then one day,
we wake up to find our thoughts and feelings are no longer what they used to
be.
Our old feelings
and thoughts are replaced by new feelings and thoughts.
How could this
happen?
How could we become
such different people?
How could we become
like the very people, whose thoughts and feelings revolted us, and who we did not
approve of?
It is human.
A fish is a fish is
a fish. It will behave the same way its
whole life.
A butterfly is a
butterfly is a butterfly. It will behave
the same way its whole life.
Humans are
different.
We are designed to
think, feel and behave differently at different stages in our lives.
Once upon a time we
wore bell bottoms, and elephant pants, and tie and dye tee-shirts, and we went to discos. We shed our
bell bottoms and elephant pants and tie and dye tee-shirts and our disco-dancing. Didn't we?
Why should change
and growth be limited just to the physical and cosmetic aspects of our lives?
Shouldn’t is be
just as natural for us to grow in our thoughts, feelings and consciousness, as
it is for our appearance to change?
Our bodies will ultimately
decay and pass on.
But our thoughts,
feelings, behavior, and consciousness have the potential to keep growing until
we die, and even to outlast our lives.
Our words and deeds
will be the legacy we leave to the people who knew us, or have heard of us.
Our legacy goes
beyond the financial and material.
There is the legacy
of our personalities, and the way we lived our lives.
Even for those of
us who will get Alzheimer’s or dementia, our thoughts, feelings and
consciousness could continue growing, despite neurological decay.
How do you feel and
think about things?
Is it the same way
you have always felt?
Have you explored
thinking and feeling differently?
Are you stuck?
Think about getting
unstuck.
You should do this
especially, if you have problematic thoughts and feelings.
Problematic
thoughts and feelings are thoughts and feelings that get in the way of a happy,
stable life, and stable relationships.
We should bring
meaning and mindfulness, to everything we think, say, feel, and do.
We may have to
backtrack on how we thought or felt before, in order to do that.
Back-tracking does
not mean we are indecisive.
It means we have
matured and grown.
We should look
forward to this milestone, and be thankful for the change.
Here are some areas
of my life in which my thoughts and feelings have changed, and I am thankful
for the changes.
My Thoughts Regards
the Spiritual Life
I used to be
completely dismissive of anything spiritual. I was an atheist
with both my feet planted firmly on the ground. I did not
believe in miracles, I did not find anything magical about coincidences. (My friend Anita may remember
all the arguments I used to have with her over her Ouija board and her Tarot
cards and her I-Ching.)
Today I think,
"What is life without magic and believing in magic?" I consider the fact I am able to meditate,
and I am able to blog miraculous, I consider the fact I was inspired to become a vegetarian (though it lasted only for 3 years) miraculous, and I am grateful
for these and other miracles in my life.
Do I believe we can
predict the future? No! But I do believe
that some coincidences are too strange to be just coincidences, and I do think
we can be forgiven for thinking miracles have taken place. In fact, we should always
hope and pray for miracles to take place.
Optimism will get us further than pessimism. We should never think anything is hopeless.
Looking for Someone
to Blame When Things Go Wrong
What do we typically
do when things go wrong, don’t work out, or blow up?
We look for someone
to blame.
We get sick. Oh, it must have been because of the food we ate in so and so’s house, or because so and so double dipped when we went out
to that restaurant the other day.
We break something,
or have an accident. Oh, it was because
so and so was stressing us out.
We say something
nasty to someone. Oh, it was because we
were hungry, tired, irritated, and besides that same someone did this or that to aggravate us, and make us say those nasty words.
I was no exception.
If anything went wrong, rather than accept responsibility, I would make excuses, or find someone to blame.
Today, I can say oops
or sorry, and move on, and I am thankful for that.
Thinking Only Money
is Important
Once upon a time, I
valued only money-producing activities. I used to argue that
Dhirubhai Ambani had done more for the world than Mother Theresa.
Today I know it is
harder to be Mother Teresa than to be Dhirubhai Ambani.
We may not all
achieve the same success as Dhirubhai Ambani, but we have the same desires,
wants and needs for social and material status and success. It is very hard, on the other hand, to want what
Mother Teresa wanted - which is to give oneself selflessly to those in need.
Wanting to Drink Like
a Man
When it came to
doing what a man does, I had attitude. I
wanted to do everything a man was able to do.
And one of the things I wanted to do was to drink like a man. I was very
ambitious in this regard. I wanted to drink men under the table. Alas, I would
be passed out and under the table every time I tried to do that.
After trying to
keep this up, and not getting anywhere, I gave up the fruitless quest. After a
few years of drinking, I stopped drinking, and never looked back. I learned not to think of myself as any less
than a man for not drinking. We complicate life by trying to do something which
our body is at odds with doing.
Wanting My Daughter To Toe the Line
Have you seen the
movie Men, Women and Children? I used to be like the character Jennifer Garner
plays in the movie. When my daughter
became a teenager, I was Helicopter Mom gone bad!
The more we try to
rein in our children, the more they will find ways to go around our rules. This is because the quest for autonomy and individuation is a natural part of growing up.
Luckily I saw the
light - before it was too late.
I gave up both my
Tiger Mom and Helicopter Mom ways, and I became "Hippie Mom". You may
not approve of Hippie Mom, but Hippie Mom is a way to stay relevant to your
kids when they hit their teenage years. At the very least, you should read the book, "The Available Parent".
Today I am grateful
for the close trusting relationship I have with my daughter, which was a
natural result of changing the way I think and feel about the choices my
daughter makes.
Getting Upset When Anyone
Asked Me If I Could Cook
When I was younger,
I had an attitude about cooking. This
was very relevant in the Indian context.
Few men were expected to know how to cook. All women were expected to know how to cook.
I found this unfair. I steered clear of the kitchen very deliberately. I would
bristle if anyone asked me if I could cook. I would say something like,
"No, I am too busy for that" or "We don't cook in our
family."
Today I am thankful
I learned how to cook, even if I did so, only after I came to America.
My life wouldn't be
half as simple or economical, if I had to depend on other people to prepare all
my meals in America.
Also, I wouldn't have been able to make some of the dietary changes I have made.
Besides, as
everyone who cooks learns, cooking is not just a way for us to eat, but it is a
way for us to relax, a way for us to socialize, an outlet for our creativity,
and a way to keep life fresh.
If you are looking
for a way to keep life fresh, cooking may be the answer.
Life lessons to be
learned from cooking? One of them is how
to make the most with the least. I discovered the recipe for Avocado Pani Puri
that way.
Following the Crowd
When It Came To Credit Scores
If there's one
thing every person who comes to America learns to keep close tabs on, it’s
their credit score.
This is because
everyone is always looking to buy a new something - a new car, a new TV, a new
house, a new handbag - using credit to buy those things, rather than cash.
If you have a good
credit score, you will be able to buy the things you want on credit at a lower
interest rate.
So I was in the
habit of checking my credit score feverishly every year.
Then suddenly one
day, I realized, "What do I need this for?
I do not carry a balance. I pay off my credit card in full every month.
I am not planning to finance a house or car. I live within my means. Credit
scores are not relevant to my situation."
Because of how I choose
to live, I do not have to be focused on the costs of taking on debt. I am
grateful for this liberating thought.
Recently a friend
compared me to Mr. Money Mustache. I was
flattered. Mr. Money Mustache is one of
the most popular personal finance bloggers, and I admire both his philosophy
and his writing. My friend said I was the only flesh and blood person he knows who
lives like Mr. Money Mustache. My friend
added that while everyone wants financial freedom, I was one of the few people he knows who is making choices to achieve that. What a compliment. Thanks, friend, for making my day!
Believing I Was a
Lost Cause When It Comes to Driving
In India, most of
my friends were either driving cars or riding mopeds. I was scared to do either.
So I went everywhere by autorickshaw (a form of public transport in India).
Even when I started
my creative hot-shop Purple Patch, I got away with not driving. I hired a driver to chauffeur me to my
customers, my bank, my suppliers, and anywhere else I needed to go.
I had decided I was
not cut out to be behind the wheel.
When I came to
America and I realized driving was essential to living and working in the San
Francisco Bay Area, I had to revisit my beliefs.
Though I was terrified,
I signed up for driving lessons.
I took the
written test, and the behind the wheel test.
I did not pass either the first time, but I made it on
the second try, and I got my driver's license.
Today I am grateful,
I can hop in my car and go wherever I need to go.
Believing That A Copywriter Could Never Work With Numbers
I have always
thought of myself as a person cut out for a communications job.
After all, it was the freelance writing I did for a local newspaper that
got me my first advertising copy job, which was also a writing job.
So when the first
Commissions Administration job was suggested to me, I had serious doubts about it
being a suitable line of work for me.
But I took a leap
of faith, and made a success of my first Commissions Analyst job, and then my next Commissions Analyst job, and then the
next.
Today, as a
Commissions Consultant, I deal with numbers from morning to night, day in and
day out, and I am just as comfortable working with numbers, as I used to be working with
words.
Being Afraid to Lose My Job Benefits
One of the things people
in America get very anxious about is health insurance.
Everyone is scared
of losing their jobs, because they will lose their health insurance, or because
their health insurance will become very expensive under COBRA.
After coming to the
US, I joined the crowd.
I had to be
employed because of “the benefits”. I
could not go out on my own, because I would not have “benefits”. I was terrified of being unemployed, because
of losing my “benefits”.
Since mid 2010,
when I began consulting, the only benefits I have enjoyed are those I have
given myself - by buying catastrophic medical insurance, and saving money in
accounts available to freelancers.
Today I know it's
not the end of the world to be unemployed, and without benefits, or to earn an
income, and provide for your own benefits.
I am grateful I did
not let the benefits bogey keep me from becoming a consultant.
I would never have
met so many wonderful people, and been exposed to so many wonderful commission analyst
opportunities.
Being Uncomfortable With Stock Market Booms and Busts
In the early 90s,
the Indian stock market crashed because of the Harshad Mehta scam. After it
happened, I did not want to have anything to do with stocks. I thought stocks were unsafe investments, and
unsuitable to someone with family responsibilities like myself.
Then in 2003, I
changed my job. I had a long commute to
Scios Pharmaceuticals in Fremont, and on my way to work, I would listen to
tapes of Suze Orman and Charles Schwab and Tony Robbins. I also read Robert Kiyosaki's book, Rich Dad
Poor Dad.
Thanks to these
inputs, I was seized with the inspiration to take charge of my finances, and to
learn as much as I could about all aspects of personal finance - from taxes to
savings and investments.
Today I am grateful
for the inspiration that got me back on track.
Since 2004, I have
done my own taxes, and I have dedicated plenty of time and energy to learning
as much as I can about finance and investments, and yes, I am back into the
stock market. I know enough not to be
fearful, and not to be greedy, and I have become street smart, as you know from
my posts Financial Piece of Mind, Part 1 and 2 and other posts like 4 Lessons I Didn't Learn From A Certified Financial Planner and A Retirement Formula You Won't Find on Oprah.
The most recent
concept I read about is Terminal Wealth Dispersion, which explains why defined
contribution plans (401Ks, etc) are such a losing proposition for individuals,
compared to defined benefit plans (pensions).
Here is the link if you want to educate yourself about this important topic.
My Thoughts Regards
Being Happy and Being Sad
People who meet me
today may find it hard to believe I suffered a depression in my mid 30s. At the time, I was going through it, I felt hopeless,
and thought it would never end.
But not only did I
get over it, I became an emotionally stronger person with every passing year,
after it had ended.
In fact, listen to
this. …
A couple of years
ago, I read a depression self-help book called Feeling Good written by Dr.
David Burns. If you haven't heard of it, it is the #1 book on depression, and I have written about it. In
this book, there is a quiz you can take to find out if you are depressed. I
took the quiz and scored a 0 it. In
other words, I did not have a single symptom of depression. I chuckled, thinking back to my mid 30s, when
I would have scored a 100.
We should be
grateful we can experience something as devastating as a depression, and come out of it stronger and happier.
Thoughts about
Chasing Rainbows
It happens to all
starting investors.
We believe we can
copy our way to success. For example, we
may read about the Dogs of the Dow investing strategy and go, "Perfect. I
will invest in the Dogs of the Dow".
Anyone who reads
about Warren Buffett can be forgiven for wanting to be like him. He is one of the richest men in the world, and
the most successful investor of all time.
I read about Warren
Buffett, and I wanted to copy him.
Now Warren Buffet
is known for his ability to purchase good companies for a bargain price. So I of course, wanted to do that - to buy
stocks of good companies at a bargain price. It's called bottom fishing, and it
is an appealing strategy, especially if you have only a little money to invest.
Alas, here's what
happened.
In 2004, the donut
company Krispy Kreme had a bad quarter, and the stock price of Krispy Kreme
plummeted by 50%. I fantasized my bottom-fishing moment had arrived.
Based on the
popularity of the donuts - there were long lines at all their locations - and
the drop in the stock price, I thought here was a good company whose stock was
available at a bargain price. So I jumped in and bought shares, believing I was
pulling off a Warren Buffett stunt.
Alas, Krispy Kreme's next quarter was just as bad, and the stock price
plummeted another 50%. I lost half the
money I believed I had so cleverly invested.
However I was able
to use this loss (and my other investing losses) as a learning experience. In
fact, I even parlayed it into a Toastmasters club-level award.
Today, I do not aim
to be a Warren Buffett or a Peter Lynch or a George Soros or a Julian Robertson. I aim for more modest and attainable
investment goals, and I follow a less risky and frantic investing strategy.
My Thoughts Regards
the Good Life
Is happiness being
successful and financially independent? I thought so at one time, but my thoughts changed. Today, I believe happiness is about making the right choices. Some choices are right for us, other choices
are not. The sooner we realize this, the better.
For instance, would
you be happier if you spent more time with your family? Then you may have to
give up some of your money and success in order to do that.
Do you like being
in a relationship, but do you have a time-consuming hobby, passion, or business? Then you may have to cut back on your hobby, passion, or business, to give your relationship the time it needs.
I am grateful I
understood this.
I have made many
choices, which while being a damper on my professional status and my income,
were more conducive to a fulfilling life for me.
My decision to telecommute
is an example. It may have hampered my
opportunities for professional growth, but it enabled me to be there for my
mother and my daughter, something far more valuable to me than professional
status, or money.
My Meditation
Miracle
It's funny how life
can deliver us what we want when we least expect it. This is what happened to me in 2010, when I
learned to meditate. I had tried to
meditate several times before, but I had never been able to do it. Now suddenly
a key clicked in the lock, and I was able to meditate. Just by reading one chapter in a book and
following the instructions, I was off and away.
What an unexpected gift.
Today, I am
grateful for this miracle that happened in 2010, and for all the benefits daily meditation has brought my life.
Final Thoughts of
Gratitude
I owe a debt to
many people, insights and inputs for helping me grow as a person. I have changed
my thinking and feeling for the better with a lot of outside help. I am thankful for the inputs of my family (these are just a few of the inputs), I am thankful for the inputs of my friends
(these are just a few of the inputs). I am thankful for the inputs of my daughter (these are just a few of the inputs). I am thankful for my relatives, all the
relationships I have had, all the companies I have worked for, all the managers
and teams I have worked with. I am
thankful for all the people who have taken care of me, the people who have
attended me at restaurants and other establishments, the customer service
people who have taken my calls. I am
thankful for all the things I am able to do and enjoy, and all the things I
once did, and for all the people and technology and natural wonders of the
world that have made it possible for me to do these things. I am thankful for
the wonderful examples other lives provide me on how to live a fulfilling life. I have grown
because of all of these influences in my life. Finally, I am thankful for this
blog, and the fulfillment and meaning and personal growth it brings me, and I
am thankful to all of you, who take some time out of your busy lives to read
my posts and to keep me going (and growing).
Hope you had a good
Diwali, a good Thanksgiving, and God bless you all……Minoo.
Thanks to Ajay and Mangesh for their comments and compliments on my last post, and thanks
to the rest of you for your readership, comments, tweets, shares, pins and
likes. Much appreciated....M.....a Pearl Seeker like you.