How to retire at 45???

12 Aug

My plan and vision is that I want to stop doing a job or anything to earn money at the age of 45 and that’s precisely 14 years from now. What do I need to do to achieve that depends on what am I doing now and how far can I go with this. Ok, let me some things to do which will help me achieve my goal. 
I need to build assets which will yield considerable returns and help me facilitate me and my family without thinking much financially. I want to travel a lot and it means a lot of money so how much would be good, I need to look at the logistics of financials and plan accordingly.
A simpler solution is that start saving and investing early and that is beginning of employment. Though, it looks simple, my experience says thats the toughest thing to do. New job, new responsibilities, new power to spend and much more. To hold on and focus on the retirement at early stage of employment is really hard. 
So, then lets spend but spend purposefully. Buy things that help you either professionally to grow and yield finances quicker. Say, you invest in management studies that will help you grow quickly. Else, spend in things that are having huge probability of turning into assests many years later. Land, stocks, gold, a flat etc. can be termed as a few. 
So better buy a flat, clear of the loan quickly say by 35 (assuming you start your career at 24) and for next years upto 45 buy another flat and clear off the new emi by 45. So by 45 you will have 2 flats, loan free and from one flt, you can earn a rent that may help you as pension and also you have your own flat to stay. You can trade the old flat for an appreciation and convert that into fixed deposit too on which you may seek a monthly interest. Logically, which ever option yields higher, one would opt that. 
So, to reach the goal there are many paths, but there are hardships in each and be ready to face for a greater peace then. Do not forget to have a health insurance and life insurance policies for you and family as they help you deal with adversities if any.

Nothing that is said above is unknown. Everybody says that and many follow too. But I just wanted to put my views across. Thanks for reading.


11 Aug


I loved this movie and cried like crazy.

Happy to have seen this in theaters, and happy to have found my sleeping kid. The kid that sleeps within me and always jumps awake at the opportune moment, was so happy seeing this. Ok, now cut the kid and let the sane adult talk, as this is a review by an adult and not a kid.

This adult has a story, a teenage story of changing school, being a rebel at home, and fighting with parents and teachers all through the years that he was at a new school. I changed my school when I was thirteen and the next couple of years were hell for my parents and teachers. A student with supreme conduct, suddenly turned into a disinterested rowdy with the change of school. The new school I was put in did not have good teachers, who could sing or play. They always used to teach in the most uninteresting way, and I hated all of it.

OK, that’s a little insight into my teenage years, but above all, this is a film that has much more than insight. I connected with this film on a deeper level, perhaps I too love reading minds. This movie is something that explores the feelings of emotions, how we react when we feel, how do we emote that feeling, it’s so much more about us within than many other films, that are all about characters, plot, themes etc. This movie, could possibly be about you, check this to find that out. I found something for me and was extremely happy.

The director has a daughter and she is nearly the same age as the film’s protagonist Riley. Now, what’s her age? Go watch the film, or as some lazy bugs do, just do some Wikipedia about director, the film, his daughter etc. I am unapologetic and actually unhappy with those who read this review and do not end up watching this.

Technically, PIXAR has achieved more than any other animation studio in the world in terms of animation, story-telling and development of characters and trust me, this film is on par with any PIXAR film you have liked, be it FINDING NEMO or MONSTERS INC or TOY STORY or many more including WALL-E and UP.

Having said all that, do I still need to rate this? I will do, just for the takers, it’s a 5/5. I love this and I need not say more.


6 Apr
A one time watch is enough to remember this for a life time. It’s an impact film is what I can definitely say. As, this is a suspense-thriller, I cannot  reveal the suspense or anything. Yet, I just want to say that the cold-bloodedness of a character makes it way too obvious and provides an indication of what is going to come across.

Acting is masterful by all, especially by Kevin Spacey who alone rallies the ensemble cast by his stoned face and supreme voice narration.

This is not only a well acted film but also a well written one. The writing is sharp and straight. Undoubtedly it deserves the accolades it received for writing and also Kevin Spacey’s acting.

Overall, a must watch for the lovers of cinema, but if you predict the twist, the I am not sure if you will even like this film.

It’s a good one still and not a great one for me as other aspects of the film technicalities might have been much better. A 3/5 for this.

UGLY (2014) – HINDI

28 Dec

A terrific film and as per me one of the finest works of Anurag Kashyap.

I am a fan of Anurag Kashyap whom I fondly term as the “Silver lightning of Indian Film Industry”. There are films, there are movies, but only few carry some real stories that is devoid of the commercial norms of the industry. He is a true storyteller and for him cinema carries a reflection of culture. Most of his films have been a reflection of the society and Ugly shows the ugly side of our society. Also, I love him probably because he showcases the unspoken truths of our society. From drugs to lust to greed for money and power, he touches upon the dark subjects and that’s what makes him stand out in the mob of directors.

Also, he fights for what is right, without thinking of the commerce and the monetary aspects. Though this film was showcased world wide way back in 2013, this film got released only now because he did not want the “Cigarette Smoking is Injurious” warning to be put whenever a character is smoking. He dared the government, health ministry for that, yet the film got released with the warning. I only hope that the government heeds and agrees that warning is not needed and is ineffective. I am a quitter of smoking, but I am for the removal of such stupid warnings that compromise with the integrity of story telling. They act as distractions to the cinephile and I being one, do not like them.

Coming to the film Ugly, it’s beautifully captured and brilliantly put.  This one line reviews the film aptly. OK, if I have to decipher the film department by department I would rate Background Music, Cinematography and Screenplay as the best and a cut above the rest of the departments.

Vineet Kumar Singh as Chaitanya stands out for me amidst superlative performances by each and every actor.

This is a thriller that is too real to believe and it disturbs a lot of our corrupt minds that are filled with conventional wisdom and it puts a question straight to that very wisdom. This film does not provide any answers either and that’s where the disgust is created. Yet, it’s for a great cause and I hope films like this are appreciated. I know this film will not make as much money as many brainless movies have made, but it deserves a place above all the rest. This film is like music for film lovers who have heard cacophony for most part of the year. There is still a hope to look at cinema as a means of story telling and not as an industry that makes money.

A 5/5 for a near perfect film, I watched from Kashyap I since “Black Friday” and a hugely debatable and surreal”No Smoking”. Just loved this film and Kashyap still stands firm with his beliefs and has not yet let down in ethics or values and keeps questioning them. Salutes to him for taking all the brickbats all these years despite making wonderful cinema in a hypocritical country like India.

I was only upset that I had to see the film online, as I am not in India, but would love to see in theater again to see how an audience would react to this. Have the audience become truly intelligent or just move on being dumb and falling prey to the commercial muck?


24 Nov

Meticulous planning and execution leads to a successful treasure.

In life too, if we plan and execute meticulously, we shall end up with a treasure that’s worth more than our own anticipation That’s a life lesson to be learned from this. 
Now, the film is comical and I am surprised that an end to end war film that is devoid of any politics can be so hilarious. I am more so surprised about the dialogues and their delivery. Writing is exceptional but the acting is much more substantial than the writing. Those lines could have been bland, if not expressed well.

Clint Eastwood as Kelly stands out and the other one for me was Donald Sutherland as Sergeant Oddball. These are the most memorable performances of this film.

Technically, this is brilliant, the war seems real and the plot is inspiring in itself. Money drives the soldiers into greed and makes them heroes for their country too. There is an irony that’s worth appreciating in the film.

This film is a proper commercial war film, that has songs, action, emotion, humor and above all war. It ticks off the word go and takes us through interesting turns to a happy destiny. I am all for such interesting bumpy rides and this film was that one.

Thanks to director, Brian G Hutton who made another wonderful film WHERE EAGLES DARE prior to this one.

A 4/5 for one of the most hilarious war films you may ever see.


24 Nov
Its by far one of the most abstruse and absurd sci-fi film from an acclaimed director.
Christopher Nolan, is a director of great potential. His body of work speaks volumes of what he has done and what he has capable of. After all he is also a human being, and I suppose he has forgotten that humans have limitations. This film is illustrious of the limitation, which is that the director does not have an audience that thoroughly understands quantum physics.
I am a big lover of physics and was a faculty of the same for 4 years of my life. Yet, the dialogues were incomprehensible by me. I must admit my in-competencies here as quantum physics, time travel are something not in my sphere of thorough understanding. Yet, I must also admit that this is the first Nolan film, I felt bored. I dozed off briefly after 20 minutes in the film and it never ever happened in a Nolan film for me. 
Now, there are few comparisons I would like to draw with an earlier film of Nolan, that is INCEPTION. If Inception, was also equally incomprehensible in the first go, it made me rush to the theater to decipher what it was all about. While INTERSTELLAR is also incomprehensible in the first viewing, it lacked the drive to push me to see it once again. Indeed, I felt exhausted after a near 170 minutes. 
The performances were superb and Matthew McConaughey has given a terrific performance. He is more a father than an astronomer. Others were all appreciable too. The technicalities were brilliant but those were all on the expected lines, considering the scale of the film. What I am only disappointed is, the screenplay lacked Nolan’s magic. Yet, there are moment of awe and the climax, indeed the final shot was surely my pick as it triggers some thoughts in the brain.
As per me, this is a lacklustre film form a genius of a director. More than anything else, I am just disappointed.
If you want to watch a great sci-fi film, there are many ranging from the 2001 A SPACE ODYSSEY to the most recent GRAVITY. If you see this and feel this is great then I would congratulate your feeling. For me this is an exhausting lesson in quantum physics.
Also, a word about the IMAX where I saw this. The IMAX in Hong Kong is way below the quality I admired in Hyderabad, India. The screen seems much smaller, the audio is not upto the quality, the acoustics are not updated as per technology. I miss the IMAX at Hyderabad in these aspects.
A 2/5 for this film, For sure, you may neither love it, nor hate it but surely you cannot ignore it.


24 Nov
Give up, give in, give a way
Come in, come on, go away
Sleep, creep, weep, but just say
That, I am for you and you are for me
So let’s go out and play