Oh me!

We are so small between the stars & so large against the sky. and lost in subway croud, I try to catch your eye …..

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More thoughts on Columbia MSOR


Good things:

  • Brand name of Columbia University
  • Opportunity to take good courses and learn useful skills
  • New York location advantage
  • Flexibility of choosing courses and study plan

Bad things:

  • IEOR Department is at best apathetic and at worse discriminatory towards MSOR students
  • MSOR course structure does not follow a nice pattern like MSFE courses ( staggered  in Summer, Fall, Spring)
  • Some courses are restricted to MSFE students

Job prospects

  • In general job prospects for MSOR grads are inferior to MSFE grads
  • This inferiority results from :
  1. MSOR grads being less qualified, OR
  2. MSOR grads being less aware of things in general, OR
  3. MSOR grads simply not being given the opportunity to apply to certain jobs.
  • Qualified, perseverant  and hard working people from any program at Columbia University (MAFN, MSOR, MSE, MSFE, MS Stats etc) will find countless doors being opened for them.

Should I join Columbia MSOR?

  • YES, if:
  1. You are self motivated and hard working, AND
  2. You have a good idea of what you want to do, AND
  3. You possess the skills to learn advanced math, stat and computing concepts in school ( read you’re not afraid of Math/computing) , AND
  4. You have a back up plan if you don’t get a job out of school
  • NO, if:
  1. You ‘think’ you like finance/consulting but are not sure of it, OR
  2. You do not possess good mathematical skills, OR
  3. Not getting a job will severely impact your next 7+ years, OR
  4. Your financial position makes you taking a USD 50,000+ loan prohibitive, OR
  5. You get easily discouraged…for the job market is Nasty

I took a risk and it paid off. For some others it didn’t.  Should the wheels of time turn back and I be given the choice of accepting MSOR or rejecting it,  I would still accept it. I am much indebted to Columbia (and to God)  for how my career turned out to be.

Columbia MSOR placements / job offers


I had to wait, as usual, for Kaushik to get ready for dinner. So in the 30 odd minutes of waiting for his highness to ‘suit up’, Mittal and me did some rudimentary analysis on the job statistics of MSOR / EMS class of 2011. Here’s the results

First the disclaimers : We only surveyed people whom we interact with and took into account facts known among friends. There may have been job offers that were not disclosed. Also, the sample size is 31 while the class size is perhaps 200. We did not consider any visa restrictions and our facts may be horribly wrong. Most importantly, The course has not even finished and people still have 1 month of course + 2 months of grace period + 3 months of OPT = 6 months more to search for a job offer. It is highly likely that (almost) everyone will get a job in the next 6 months. It is certain that the next round of great jobs will come from freshers ( first quarter of 2012 )

Now the results:

Sample size = 31
Of which Indian citizens = 31
People with job offers = 15 ( 48.4%)
People with job offers who are happy with status quo ( no more job huntng) = 8 ( 25.8% of sample size)
People with Work Experience = 19
…. of which who got offers = 12.
=> 63 % of work ex junta got offers as of December 2, 2011

People without Work Experience = 12
…. of which who got offers = 03.
=> 25 % of freshers got offers as of December 2, 2011

Number of people who had a summer internship = 24
…. Of which got offers = 13

=> internship considerably inreases your chance to get an offer.

Sample list of companies: AmEx, PwC, E&Y, Thomson Reuters, Goldman Sachs, Nomura etc.
Sample Designations: Analyst, Senior Analyst, Associate, Consultant, Sr. Consultant


1) Work experience is defined as anyone who has more than 12 months of work experience in any field.
2) Only relies on publicly available information
3) Salary disclosure is rare, so no statistics are available.

Of Job Hunting – part 2


I am feeling much better now. And the reason is that I spoke to my mom and she made me see some basic things, which i had forgotten in my panic.

I have started getting some interview calls. Some more are in the pipeline. 3 interviews for their final round are scheduled this month…something should come out of it I hope! And then, there are still 6 months to go before my Visa requirements force me to go back to India. Assuming the worst case of 3 calls per month – that means 20 interview calls. Lets think I get an offer only in 1 of 5 companies. That means I should have 4 final decisions to choose. In the rarest case of cracking only 10% interview – I still should have 2 offers to choose from. If even that doesn’t work, I’ll do some research or something, try to be here for 3-4 more month and get a job. And frankly, If I don’t get a job even after 12 months, then I am better off going to India.

So what’s the worst which may happen? I’ll go back to India. India is a booming market. There is Finance, there is IT, there is education. I did very good work at ICICI Bank and I think people still remember it. I may get a job at ICICI, if not in some other bank. If not in Finance, I will join an IT company. If even that fails I will join an MBA college/coaching. Heck, I may just open up a institute myself.

Strange that my mom should put some sense in me, of all the people whom I know of.

Of Money


What is money worth? How important is it to others and how important is it to me?

Interestingly enough, the answers to the above questions have started to become more clear to me. Money is worth only what you think it worth, and thus its importance differs from person to person. While this may seem a banal truth to the reader, I think the appreciation of this fact is invaluable to me.

About two years back, on a chilly December night in Delhi, I took an Auto from Katwaria Sarai to AIIMS. After the standard negotiation I observed that the auto driver was a bit different. He looked different from others and he behaved differently from others, even while negotiating for fare. So I asked this 50 year old, “who are you? You were not always an auto driverit seems!”. And then this guy said, ” I was an industrialist and I had three houses and 5 cars. I had bad luck and I lost everything. Now since an year I’m driving an auto.” This was very weird! I then asked him, ” Are you not sad and discouraged with life?” and he replied, “No, God had given me good days and god has given me bad days as well”.


2 weeks back, McKinsey sponsored a symposium in Boston. of the 5000 odd resumes that they received, they selected 50 people to come. I was one of those 50. I boarded Acela Express, and McKinsey paid the $230 round ticket from NYC -Boston. I attended a party in the evening where I could have one the most expensive wines of the world. At night I was in one of the best rooms of Ritz-Carlton that overlooked Boston Common. Next Morning, after the expensive wines, king-type bath and a 5 star stay, I looked outside and thought – where has life taken me today! Where was I 25 years back in my village where we used to get electricity only 10 hours a day? How was my first school where i took classes under open sky because the roof wasn’t ready! How I used to travel in sleeper class trains for 18 hours before reaching home, sometimes sitting on the ground because I had no reservation! And how I am here today! How I went to London! How I came to Columbia University….. and most importantly where I may be tomorrow?

What is wealth? It comes and goes. What is money? it is here today, and not there tomorrow. Life & luck are so fickle minded that it is pointless to associate our happiness with money. I am thankful to Lord that he giveth me this newfound wealth, but I remain cautious of growing too attached to it.Of course I need money to feed myself and my family, to live a decent lifestyle and to take care of my family’s health. But beyond that, its plain useless to me.

साईं इतना दीजिये, जा मे कुटुम समाय ।
मैं भी भूखा न रहूँ, साधु ना भूखा जाय ॥



“Just because something is difficult, doesn’t mean we should not try. It only means that – we should try harder” रमन आर्य का ये status message पढके मुझे सहसा सत्य का ज्ञान हुआ . पिछले कुछ दिनों से मुझे अपने पर विश्वास नहीं था.. US जाने के दिन करीब आ रहे हैं और मुझे डर लग रहा था – कैसे घर जाऊँगा? कोई लेने नहीं आ रहा है, कुछ गड़बड़ हो गयी तो? अपना घर कैसे ढूँढूँगा manhattan में ? Computer programming कैसे करूंगा? Maths कैसे करूंगा ? नौकरी कैसे मिलेगी इत्यादि, इत्यादि….. डर ने आत्मविश्वास को ग्रहण लगा दिया था.

लेकिन मैं मूर्ख तो नहीं हूँ! भगवन के सहारे और अपनी मेहनत और बुद्धि के बल पर मैंने भी सफलताएँ पायीं हैं! CFA किया है, MBA किया है, नौकरी में बेहतरीन प्रदर्शन किया है, Clubs और societies का नेतृत्व किया है , और सबसे अच्छी बात अपना ऐसा व्यक्तित्व बनाया है की बहुत जन मेरी तारीफ करते हैं.

मैं अपनी तारीफों के पुल नहीं बाँध रहा, लेकिन अपने को दूसरों से कम क्यूँ समझूं? अगर maths नहीं आता तो सीख लूँगा! अगर Computer programming से फटती है, तो घंटों मेहनत कर कर के पता कर लूँगा! New york में 19 ,541 ,453 लोग रहते हैं, मैं भी अपना घर ढूंढ लूँगा ! हर साल २ लाख भारतीय अपनी नौकरी ढूंढते हैं, मैं भी ढूंढ लूँगा! साला किसी भी चीज़ से डरूं क्यूँ???

और अगर मुझ जैसा पढ़ा लिखा समझदार व्यक्ति -जो Architecture से linear algebra तक, और nietzche से Graphology तक जान सकता है – यदि मुझ जैसा व्यक्ति नूतन भविष्य से डरेगा, तो साला दुनिया का होगा क्या? हमेशा धरती पर रहना अच्छी बात है, अपने में घमंड न आने देना अच्छी बात है ….लेकिन अपने को दूसरों से कम आंकना तो बेवकूफी की चीज़ ही कहलाएगी.

नवु कहता था, ” अगर कोई चीज़ मुझसे हो जाएगी , तो मैं उसे क्यूँ करूँ?” उसकी बात अब मेरे समझ आती है. ये वैसे ही बात है जो अन्चालिया कहता है, “Run towards your fears.”

मैं क्यूँ रुकूँ धरती पे, जब मेरा ठिकाना तो असीमित अंतरिक्ष है????


” …and I search deep in my soul,
Beyond the doubt and the debris,
I’ve found out that all along,
There has been a king in me…
And I’m gonna Fly,
fly fly fly….”

O Fortuna : Velut Luna ( Oh fate, you’re like the moon)


Fate or life is like the moon. जब चीज़ें बुरी चल रही तो होती हैं, तो वो बद से बदतर होती जाती हैं . जब अच्छी चलती है तो अच्छी से और बेहतर होती जाती हैं. चंद्रमा की तरह. और ये चक्र चलता जाता है. अच्छा – बहुत अच्छा – बुरा – बहुत बुरा – अच्छा.

मूर्ख हो तुम यदि सोचते हो की बुरी चीज़ें अच्छी चीज़ों के विपरीत समाप्त नहीं होंगी.

और विद्वान हो जो अगर इस बात को समझ कर न सुख में सुखी हो न दुःख में दुखी.

और जब तुम विद्वान् बन जाते हो, तो तुम्हे समझ आता है की गीता ये क्यूँ कहती है की ” कर्मन्यावाधिकरास्ते, माँ फलेषु कदाचन ”

और जब तुम्हे गीता सार समझ आ जाता है तो तुम बुरे – अच्छे से ऊपर उठ जाते हो. जैसा की Nietzche कहता है … तुम “Beyond good and evil” बन जाते हो.

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Stay Hungry, Stay Foolish


RG asked me a couple of days back,” How come you know so much about so many things? How come your GK is good and how come you have some cogent points on so many diverse topics?”
Even I thought about the issue, and then I traced myself to this …

When I was 14 years old, a question that had been in my mind since I read about human life in class 2 got finally answered। I always wondered,” how are humans different from animals? We both are just multicellular organisms who have the same sensations and physical needs. We both are driven by same desires of food, water, air & sexual needs. We both are afraid of death and pain. We have everything common, except that probably Homo Sapiens are a more sophisticated form of life. So are we no different from animals at all?” I remember asking mummy the same question. She said that humans are humans and animals are animals. She said that they are different but her answer couldn’t satisfy me.

After thinking about the issue at various levels of consciousness, I arrived at the same conclusion that Descartes did in the 17th century. Cogito, Ergo Sum. Obviously I was blissfully unaware of the exact meaning and originator of the phrase at that time. However I realized that the ‘desire to learn, the wish to improve and the zeal to know’ are the central reason that humans are different from animals. And I think that when I was in my early teens, this answer dictated the manner in which I saw education ad learning. I think this, coupled with another incident, transformed me from a back bencher and last rankers in school to the topper in board exams. (The first time that I stood first or even amongst the top 5 in class was in boards exams, 1999)
The principle was simple। I decided that I shall leave no stone unturned in the persual of education. I wanted to know more about this world. About everything. I wanted to know about science. How the solar system was created? How does the human body work? How are colors created? I wanted to know about history. How are nations made? Why does a country succeed or fail? Who created the beautiful monuments? Who went to war with whom? I wanted to know about philosophy. About relations, about literature, about each and every damn idea, tangible/intangible thing. And to accomplish this I started reading. I read EVERYTHING. From comics to newspapers to hand outs to posters on walls to even government reports and legal cases files (in revenue board’s library). And still I wanted to read more.

People would get bored in engineering classes. They would say,” क्या फालतू कि चीज़ है engineering? कितनी boring है !” Sometimes I found things tough (GD/AECD) but NEVER did I found them boring। I used to ask each and every doubt that crossed my mind in class, however Naïve or foolish it might sound to others। I participated in almost all extra curricular activities. I made innumerate friends. I tasted wine from so so many cups.

Then I came to MBA। Those classes that interested me, I attended them by sitting on the first bench. And so many things interested me. I liked statistics, QMDM, Economics, Saikat’s Marketing, ITO, and ITL amongst others. And then when I had finished with them, I would sit with the juniors to attend their courses. I even took some marketing classes. None of them gave me any marks. None of them show on my mark sheet. But I think in the persual of knowledge, I learnt even more.

My Montage (people write things about their classmates at the end of MBA course) says, “No one knows what he wants. Not he and not even God. Believes in networking only with great people”. I smile. Probably only I amongst my classmates know what I want, right from the time when I was 14 years old.

Lehman पर कुछ ख़याल


मैं असंख्य छोटे MBA में से एक हूँ, यह बात मैं अच्छी तरह जानता हूँ। यह भी सत्य है कि मेरे से अच्छे बहुत सारे लोग हैं। और इसमे भी कोई शक नही कि काफी सारे लोग मेरे से बेहतर company deserve करते हैं ।

लेकिन तब भी, मेरी असली कीमत क्या है? मैं I Banker बनूँगा कि नही, ये बात एक HR कैसे निर्धारित कर सकता है? वह मेरे से 6- 7 सवाल पूछ के यह कैसे बता सकता है कि मेरे में ‘वो’ बात है कि नही? मैं यह नही कहता कि मैं सबसे चतुर हूँ, लेकिन मैं किसी से कम भी नही हूँ।

नही lehman , तुम गलत हो। तुम मेरे भविष्य का फैसला नही कर सकते। तुम मेरे आने वाले कल कि भविष्यवाणी करने के काबिल ही नही हो। मैं यह प्रमाणित करके दिखाऊँगा कि मैं भी एक I Banker बन सकता हूँ, ……. न केवल बनने के सक्षम हूँ, बल्कि मैं इतना अच्छा बनूँगा कि तुम्हे ग़म होगा कि तुमने मुझे आज क्यों नही लिया जब मैं पूरे दिल से तुम्हारे पास आने के लिए दो साल से मेहनत कर रहा था ।

मैं साबित करूंगा कि मुझे न लेने का तुम्हारा निर्णय कितना गलत था…..

” कशमकश को छोड़ दे तू,
रुख हवा का मोड़ दे तू
खाली पैमाना है तेरा,
हो सके तो तोड़ दे तू”

My article in Business Standard & Rediff Money, 25th December 2007




Varun Agrawal: The market`s coming of age
Varun Agrawal / New Delhi December 25, 2007

Sebi’s intention of introducing a volatility index (V-I) and derivatives based on it for Indian markets is a welcome move.The Rammohan Rao committee’s proposed V-I, among other things, signifies the financial sector’s coming of age.
India’s futures and options market has seen a boom in the past five years. While a total of only 176,000 index put/call options worth Rs 3,800 crore (Rs 38 billion) were traded on the NSE in 2001-02, those numbers have skyrocketed to 25 million and Rs 7,92,000 crore (Rs 7920 billion) respectively, in 2006-07. Similarly, the total trading volume in NSE options has jumped from a paltry $555 million in 2000-01 to $1.7 trillion in 2006-07. That’s a neck-breaking 214 per cent compounded growth rate y-o-y. With such growth in volumes, the time is ripe to introduce long-awaited new products.
The V-I will measure the market’s expectation of Nifty/Sensex volatility over the coming month (30-day period). Since 1993, VIX, the first volatility index introduced by the Chicago Board Options Exchange (CBOE), has been a huge hit. A number of other exchanges around the world have also introduced some mutation of it and have had the same experience.
The V-I will help Indian markets in more ways than one.
First, it will be the most direct measure of the increasing market volatility and will thus be helpful in the pricing of options. Second, this measurement will help investors hedge and speculate over the very property of volatility. Third, its input will enhance better prediction by Value at Risk (VaR) and other risk management models. Fourth, it will reduce transaction costs for betting on volatility because the speculator will have to buy only one VIX derivative, instead of at least two for constructing strangle/straddles. Fifth, it will encourage market participants to move ‘onshore’ instead of playing in private offshore arenas.
But even beyond these uses, it sends a very important signal worldwide, that India is ready to move to the next level of financial maturity. While our capital markets are very well-developed (the BSE is the world’s largest in terms of the number of scrips listed, while the NSE is the world’s largest by stock futures trading volume), there is a dearth of modern financial products. Sebi’s wish to introduce seven new products including V-I is a well-thought out decision to break out of the shackles.
According to recent news reports, India Index Services & Products Ltd (IISL), a joint venture between CRISIL and NSE, has expressed a desire to be a leading player for devising the index. It is likely to do so because of its experience in this space.
However, it’s not that the rollover will be smooth. There are certain unique issues that will have to be tackled. The single biggest problem in devising the index will be liquidity concerns. Indian derivative markets are still in the budding stage. While the number of puts and calls traded on the index has risen significantly, their depth and liquidity is a major concern. All this might lead to ‘holes’ while constructing the proposed volatility index.
According to my preliminary research, in all likelihood, we’ll follow the old VIX methodology for calculating V-I. The new VIX methodology might be unsuitable for calculating the Indian volatility index because options on Nifty, though aplenty at at-the-money strike, show an erratic behaviour for out-of-money and in-the-money strikes. Thus, a better and more practical method would be to go for the old VIX methodology which uses eight at-the-money options. These are relatively easily available and are more traded than their counterparts.

The first to cash in on opportunities in new derivative products in India are large institutional players who have already tried their hands at similar products in other markets, like the CBOE, NYSE or LME. The situation might not be any different here. The first to jump on the bandwagon would be foreign banks and other large institutional players. Retail investors will be the last to try their hands at V-I futures and options because of the classic risk-averse mentality. They are likely to wait and see what other participants are doing before giving it a shot. That said, even the average retail investor is expected to use the V-I as an index to gauge where the market is going and use the insights in buying options on other securities and shares.

One of the problems cited in Mumbai’s way to becoming an IFC is the lack of innovative financial products. While the V-I is not the panacea for all financial problems, it certainly is a very good indicator of Sebi’s long-term reforms to align India with global best practices and vision.

The writer, a student at New Delhi’s Indian Institute of Foreign Trade, can be reached at cfa.varun@gmail.com

People who impress me at IIFT


Students –

1) Rahul Newar – The true bond.
2) Neelesh sachdeva – The only person who has everything that i’m impressed by. Studies, Intelligence, People skills, Carefree, Down to earth & helpful
3) Naval Goel – The only person who knows finance in IIFT. The only person who is unaffected by what people say. The only person whose transformation impresses & inspires me.
4) Chango – He’s Smart, he’s ambitious , he’s pragmatic & he networks like anything. If he’s your friend, you know he’ll be there when you need him.

Professors –

1) Deepak Chawla – for developing a passion for Stats in me.
2) P. Bhaumik – The only teacher who taught me ‘why’ of mathematics. The only teacher who instilled confidence in me that I too can understand mathematics.The only teacher who made me believe in my intellectual capabilities.

Administration –

1) Gaurav Gulati – For proving that rules are meant to help you, not hinder.

Support Staff

1) Ramnivas Ji – for having a smile on his face even while dealing with so many irritating situations.

अरविंद मामा


मुझे मामा के साथ बात करना पसंद है क्यूंकि हर बार उनसे बात करने पर कुछ नया सीखने को मिलता है और उनका point of view मुझे एक और दिशा दिखता है।

उनसे बात करने से मुझे प्रेरणा मिलती है कि मैं सतत बेहतरी के पथ पर बढूँ। हम रूक नही सकते। हम थक भी नही सकते। मैं नही सोच सकता था कि मैं कभी Oxford/LSE/Stanford कि बातें करूंगा। शायद मैं उन जगह न भी पहुंच पाऊँ, लेकिन यह बात कि आज कमसकम मैं वहाँ जाने की तमन्ना रखता हूँ, क्या यही कुछ कम है?

यह मत सोचो कि अभी क्या मिल रहा है, यह सोचो कि आज से ५ साल या १० साल बाद क्या मिलेगा ।हम जीते या हारे, ये मेरा bhavishya teh करेगा न कि मेरा vartmaan

आहूति बाक़ी, यज्ञ अधूरा
अपनों के विघ्नों ने घेरा
वर्तमान के मोहपाश में ,
आने वाला कल न भुलाएं,
आओ फिर से दिया जलायें! “
~~ वाजपेयी , आओ फिर से दिया जलायें

Placements 2008 : A make or break thing?


Hari told me today that placements are very important because they will determine where we’ll finally end up in our lives and are thus a make or break thing.

I don’t think so. Looking back at my short 24 yr old life, I think that at each point there were aways some pressing problems which we thought were make or break. Remember the class X board? or class XII ones? or some exams at resonance or even IIT JEE? They all were damn impat that time but now i don’t think so. there are new opportunities today which have taken that mindspace.

The leitmotif of make or break still exists although. And it always will. For remember there is no true happiness ,only ‘In pursuit of happiness’
PS : Congrats Ruhani ! :)

फुददु कौन है?


कौन मूरख़ है? क्या वो जो धीरे सोचता है , या वो जो धीमे काम करता है, या वो जो पढाई अथवा खेल-कूद में पिछड़ा है?क्या वो जो अजीब सवाल पूछता है या वो जो अजीब बातें करता है ,या फिर वो जिसका काटने में सबसे अधिक आनंद आता है?

कहना मुश्किल है ! लेकिन ज़रा सोच के देखिये, हम सब जीवन के किसी न किसी मोड़ पे, कुछ मूर्ख़ता नही करते है? एक सवाल उभरता है…. क्या हम सब, किसी न किसी की नज़रों में मूर्ख नही हैं?

हमे क्या अधिकार है की किसी का मजाक उडायें ? हमे क्या अधिकार है की किसी और की बुराई करें ? ख़ुद में कभी झांक कर तो देखे की आखर हम कौन बड़ी तोप है जो दूसरे को गधा कहे!

फुददु वो है जो अपने को दूध का धुला समझे और सोचे की उससे बेहतर व्यक्ति नज़र नही आता. नज़र उठा के देख आदम!! हर वो चीज़ जो मै करता हूँ, मुझसे १०० गुना बेहतर कोई और कर सकता है, और हर वो चीज़ जिसपे तुम इतराओ , उससे १०० गुना वोही किसी और के पास भी हो

“बना है शाह का मुसाहिब , फिरे है इतराता
वरना शहर में गालिब की आबरू क्या है “

Summer Blues 18 May 2007


Whoa! Life has changed so much after my guide returned. Suddenly I find myself amidst loads of work. I have to work till 7:30 , 6 days a week.
Apparently my guide got a shouting from the bosses in Europe over the plans which he had. My boss’s boss was also telling him, “ Your plans are bullshit … absolute bullshit Doc” . Now that he has to perform, he has told me to buckle up. Now my project will involve loads of traveling and ‘sir-khapai’. After all He has to deliver, and I have to do the work. How logical.

So now here I am, enroute my way to Ambala & Solan. Trying to figure out all about mushrooms. Reminds me of that sub-edible mushroom-mutter that we used to get in PEC.. yaad hai? Those were the days when we would just go to mezbaan-11 and dine to our hearts content in 70 rupees. In Bombay saala a ‘bhutta’ costs 25/- . washing a shirt costs 15/- . washing a pant costs 25/-. 1 dozen of mangoes cost 250 Rs et al.

And amidst all this workload is the CFA exam on june 3. 25 days more. And now I’m ready to press the panic button. Thank god that I have completed the syllabus so I know that I’ll be able to revise it. Had I not, would have been dead turkey by now.

My first Post


Decadence is setting in. My ideas & ethics are dying and am everyday getting more and more materialistic.

A number of thoghts cross my mind everyday. This is an attempt to word my emotions on a gamut of things.

If you’re here to find some fun stuff, you’ll be dissapointed. This is meant to be more of a chronicle rather than an intellectual/entertainment portal!

However, if you’re here to see what have i been up to; you’re more than welcome.

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