Sunday, December 6, 2009

CIBIL

I recently learnt about CIBIL, the first credit information agency of India. Curious as I was, I am in process of applying for my CIBIL report. Only because, I have had a couple of loans and credit cards in my name, I wanted to make sure everything is perfect on my credit score. I was surprised at the minimalistic level of media coverage for this empowering tool for all borrowers and lenders alike; although this being the premier credit information agency of India for consumers.


I will be applying for my CIBIL report in second week of December 09 hopefully, and shall share my findings with you. The application procedure, format, and response time from CIBIL.


Here are some resources I found useful:

1) The CIBIL website

2) CIBIL wiki article

On a more curious note, how much you knew about CIBIL before reading this?

[polldaddy poll=2347040]


Update: January 15, 2010
-----------------------------------

CIBIL was quick in processing my application and generated my report on 6-01-2010. I received it in another 6 days. Hence a total turnaround time of less than 30 calendar days. Pretty impressive. The report was exhaustive, and I was amazed that each and every credit I have/had was listed out. All information was crystal clear and easy to understand. There were some factual errors, which I was able to resolve easily with help of CIBIL and concerned credit grantors. As they say, information is empowering.

Saturday, December 5, 2009

Overlooking common sense

I have been staying in Sector 51, Noida for the past four and a half years. There is a square adjacent to our society where roads from sector 50, 51, and the bypass meet. It was an unregulated square. With no police presence, no traffic lights, and no road dividers. Still I never saw any congestion whatsoever, given the low intensity of traffic.

However recently Noida Development Authority decided to revamp this square, into a round about, and things have been going haywire ever since. Road dividers have come up (that too without any warning signs, or flashy paint), a large cemented round about has been constructed. All this at the expense of not only tax payers money, but also precious road area. The sheer size of this construction is so big, that it has eaten into the width of the road.

Now traffic snarls are a common sight at this round about, as converging lanes try to form a single queue.

My only question is, who decides how should round abouts be optimally managed. It is good that development work is being done, but it should not be done overlooking common sense and logic.

Posted via email from Siddharth's Posterous

Friday, December 4, 2009

The Chicken and the Pig

I came across this interesting concept while attending one a training on Agile/Scrum.

*** Article lifted from Wikipedia ***
*** http://en.wikipedia.org/wiki/The_Chicken_and_the_Pig ***
*** http://en.wikipedia.org/wiki/Scrum_(development) ***

A number of roles are defined in Scrum. All roles fall into two distinct groups—pigs and chickens—based on the nature of their involvement in the development process. These groups get their names from a joke about a pig and a chicken opening a restaurant:

A pig and a chicken are walking down a road. The chicken looks at the pig and says, “Hey, why don’t we open a restaurant?” The pig looks back at the chicken and says, “Good idea, what do you want to call it?” The chicken thinks about it and says, “Why don’t we call it ‘Ham and Eggs’?” “I don’t think so,” says the pig, “I’d be committed, but you’d only be involved.”


So the “pigs” are committed to building software regularly and frequently, while everyone else is a “chicken”—interested in the project but really indifferent because if it fails they’re not the pigs—that is, they weren’t the ones that committed to doing it. The needs, desires, ideas and influences of the chicken roles are taken into account, but are not in any way allowed to affect, distort or get in the way of the actual Scrum project.

The Pigs are the ones committed to the project in the Scrum process—they are the ones with “their bacon on the line.”


Interesting to relate this with relationships. A date is a chicken, while your spouse is a pig. If you screw up, the date is only involved and can shrug shoulders and move on. While the spouse is committed and takes the fall too. I am wondering where would a live in partner fit in this schema of things.

Wednesday, December 2, 2009

A Crackling Night [a duplicate of the fbook note, ignore if read]


The plan came out of nowhere. In office Krishna asked if I and Nikita could be available for a dinner today, along with Rajesh and Swity bhabhi. Although the motive was to separate us from the stag crowd at a more "hap" gathering later in the week, but I agreed. As there was still hope, I could make it to the stag gathering.


Nevertheless, the five of us had a blast at Haldiram's Sec 63. Not in months had I spent my time literally crackling with laughter and that too so loud. We had a range of topics to talk about. From Gaurav's fashion escapades, to Rishab's cynical moods, from the good life in UK to the oh not so good life here !!


There was the usual stuff, from Krishna's wedding plans to the sordid state of affairs in the already married men [read me and Rajesh].


Time literally flew past by as we munched on all the papdi chat, raj kachori, dosa, noodles, manchurian, pizza, rasogulla, rasmalai and jalebi. Only at 10:45 PM did we realize it was too late, and decided to pack and leave.


But have a plan nevertheless. A nite out and fultoo pyjama party at my place on Xmas eve and New years.


Krishna thanks again for the dinner. And thank you guys for the wonderful evening.

Sunday, November 29, 2009

रविवार का आलस

मुझे रविवार मैं सबसे बढ़िया बात ये लगाती हैं की सुबह उठने की कोई जल्दी नहीं होती. आराम से उठो, आराम से दो कप चाय पियो, आराम से नाश्ता करो, और दोपहर मैं फिर सो जाओ.
शाम को थोडा बहुत घूम लो, बाज़ार से खरीददारी कर आओ, हो गया रविवार ख़तम.

Saturday, November 28, 2009

Street food

Today me and wifey decided to go easy on our spending, today being the last week end of the month, and salary due only on Monday.

So here we were. On road and looking for some cheaper options to fill our tummies. First we had to shop for some groceries, so we headed to Shoprix mall, Sec 61, Noida. I like the place because it is devoid of rush, thanks to other more flashy, prosperous and brand conscious malls in Noida. Having done the needful (shopping for grocery that is), we headed back to our car.

And near the car park, was our first "cheap street food" vendor. A vendor selling boiled eggs. With onser of winter, eating boiled eggs laced in salt pepper is quite a treat. Though I was a little sad, he was not selling any omlette or half fry. Nevertheless, we went straight to Sec 34 market. The place is bustling with activity, and has many treats to offer.

There are momo stalls, kabab stalls, egg/omletter vendors (though I was in no mood of eating eggs again), and a "Chaat" stall. This particular chaat stall has been doing busines since atleast 5 years, as I have always frequented this place ever since I came to Noida. One thing I like about it, is the use of disposable plates and spoons.

Hungry that we were, we stuffed ourselves with "karari aloo tikki" and gol gappe. Two plates aloo tikki and one plate gol gappe, all for 40 bucks. Add the 10 bucks spent on the two eggs that we had, we rounded up our saturday outing dinner at a measly 50. Neat !!

Winters make this one thing I like all the more pleasurable: food :-)

Cheers
Siddharth

Friday, November 27, 2009

Google Wave, the new kid in town

So wave is like an actual wave (as in energy in physics). A wave never dies or so google claims. A wave will not be trashed unless all people added on to it trash it. Even then it will remain on a physical tape backup from google servers. First google came up with unlimited storage for email account, now this. How long before we can expect google to start charging us for storage that we consume. Has anyone ever though how much CO2 is produced by sending an email, uploading a photo on picasa, or by creating a wave?

Thursday, November 26, 2009

Copyright, err or Left is it?

Not that my blog posts are out of the box, bright ideas with the potential to have drastic effects on the course of human history, but out of sheer self respect for what ever miniscule amount of creativity I might have, I have decided to mark my territory. That is , I have now decided to copyright (or copyleft) my work [barring the images and/or work I reproduce from elsewhere, if allowed by the contributor that is] under a Creative Commons Attribution-Non-Commercial-No Derivative Works 2.5 India License.


Following notice has been updated on the "Copyright" page for this blog. And shall sometimes appear under an occassional blog post/page just as a reminder/assertion of the same.


Creative Commons License
The Dark Book by Siddharth Fadnis is licensed under a Creative Commons Attribution-Non-Commercial-No Derivative Works 2.5 India License.

Any views? Should I rename my "Copyright" page "Copyleft" instead?

Cheers!!

Siddharth

Monday, September 28, 2009

Happy Dushera to all !! Let us pledge to overcome all evils within us, and lead a life of simplicity and purity.

Saturday, August 22, 2009

Kudos to small shop owners. Boo on Mall culture.

In this jet age when people are supposed to gain benefits of Internet shopping, and reap ample rewards from discounts available on-line, one shop still beats them all and the shops in glittering malls.  Let me explain how.


I was in dire need of a printer cartridge for my inkjet printer. It was way too costly in malls in Noida and I had no time or money to make a trip to Delhi's Nehru place to find one at the cheapest price. I searched ebay and still price quoted there was MRP plus the courier charges, making it cost even more than the prices in Noida.


I was perplexed why would people buy something online, if they are not getting it at the right price, and if they could get it cheaper locally.


Then I decided to give it a try. My brother was supposed to come to Noida the next day from Ujjain. I asked him to find the price of the cartridge in Ujjain, which is a small town and comparatively in a remote location, giving you the impression that things like computer supplies might be costlier there. But to my utter surprise, the price quoted was lesser than I enquired anywhere else.


And the icing on the cake was: The cartridge was not available in Ujjain. However my brother informed the store keeper, that he needed to travel in the evening, and hence needed the cartridge before that. The storekeeper, setting an ultimate example of customer service, promised to get the cartridge ordered from next town, and to deliver at the railway station right at my brother's seat, before the train's departure.  And he kept his promise, indeed! All this at a price less than internet's best price.


In future I am always going to get a quote from Ujjain shops first, for all things that I can get from there.

Sunday, August 16, 2009

Finally back home

A nine month stint in the UK, lots of learning, a lifetime experience, and still feels so good to be home. Like they say there's no place on earth like home.  Either my good luck or god's grace, but it is very much cooler in Noida than I expected. Some infrequent rain showers have really proved to be a boon for the weather.


My Indian experience started as soon as we entered the Indian airport. To contain swine flu from inbound passengers, a medical form was supplied to us in flight. Upon landing, a few medical officers took the form from us, stamped it and filed it without even so much having a look at us. Only god knows how they planned to screen the passengers for swine flu. And what's with the masks. There's no proof that it works. But there's solid proof that its adding to fear which is uncalled for.


I was supposed to initially come back on Saturday, and join office on Monday. However most IT companies have mandated a 4-5 days cooling off period (sort of quarantine) before joining office. However its a different fact, that a swine flu infected person may take as long as 10 days to develop symptoms. The funniest part is the place where I work have no such official policy in place, although I was advised to "cool off" for just two days before joining office. In all probability, I could develop swine symptoms on the third day, the very day when I joined office, and could go on zombifying all my colleagues with the flu. And unlike before, when the only cases of swine flu were from people returning from abroad, it is now very much prevalent in India, and spreading within local community (e.g. Pune, Mumbai). So I could arrive as a healthy person, and get infected from a local. However, these reasons apart, I was still glad to have a two day cooling off period, as I got my travel plans pre-poned  by a day, and enjoyed one extra day off at company expense :-)


Sometimes, for all the bizzarre reasons, things still work out for the best. And remember, if you come meet me, and I sneeze, please do not panic. I am allergic to dust and pollen. And for all I know, with every weather change, pollenation season, and slight temperature variations I go on a sneezing frenzy. Nothing close to a flu. (I had a strong urge to sneeze in the queue at airport for submitting the health form, I am so glad I did not. God knows where and how they would have detained me!!)




 

Monday, March 30, 2009

Farewell to Orkutting

I had been thinking about this since a long time now. I joined Facebook almost a year ago, and since then my friends on Facebook has grown from a handful to over a hundred now. And almost all my friends had joined Facebook sooner or later.


Being on two social networking sites, meant double the effort of checking people's status updates, photos, and comments. So I finally decided on quitting Orkut and being just on Facebook for the while.


The reason which triggered quitting Orkut, was not superior functionality from Facebook, but rather was the the most stupidest action of my life, that is, to integrate my Orkut and Gtalk friends list. It was just a click, and tens of people who I barely knew (but some how were still added as friends on Orkut) could ping me and chat with me on Gtalk while I was on line.


I have been forced to stay invisible on Gtalk for so many months now. So I decided, it was time to give myself some privacy.


Facebook is a bit sluggish than Orkut, and has less users than Orkut has (at least among the circle I live), but still scores for me.


And here I am. Just facebooking. Orkutting no more.