Neeraj Dohawali (Hindi Couplets)

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1. Page 16: 30 to 35 (On Life and Death)

Couplets on Life and Death (From Neeraj Dohawali)

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A page from Neeraj Dohawali, featuring couplets (dohas) by the renowned Hindi poet Gopal Das 'Neeraj'. These verses focus on the ephemeral nature of life and spiritual wisdom.

Here is the explanation for each doha:

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30. The Essence of a Song

गीत वही है सुन जिसे, झूमे सब संसार
वर्ना गाना गीत का, बिलकुल है बेकार।

• Meaning: A true song is one that makes the whole world sway with joy or emotion. If a song cannot move the listeners or touch their hearts, then singing it is entirely pointless.

• Insight: Art is only successful when it resonates with the collective soul of humanity.

31. The Sanctity of the Body

बड़े जतन के बाद रे! मिले मनुज की देह
इसको गन्दा कर नहीं, है ये प्रभु का गेह।

• Meaning: This human form is attained after immense effort and many cycles of life. Do not defile it with bad deeds or impurities, for the body is the dwelling place (temple) of the Divine.

• Insight: Treat your life and body with respect and purity.

32. The Futility of Pride

अन्तिम घर संसार में, है सबका शमशान
फिर इस माटी महल पर, क्यों इतना अभिमान।

• Meaning: The final home for everyone in this world is the cremation ground. Why then, do we carry so much ego and pride over this "palace of clay" (the human body)?

• Insight: Since death is the ultimate equalizer, vanity is an illusion.

33. The Temporary Stay

जो आए ठहरे यहाँ, थे न यहाँ के लोग
सबका यहाँ प्रवास है, नदी-नाव संजोग।

• Meaning: Those who came and stayed here did not originally belong here. Everyone’s life is a temporary stay, like the fleeting coincidence of a boat meeting the river.

• Insight: We are all travelers; our presence in this world is momentary.

34. The Inevitability of Departure

रुके नहीं कोई यहाँ, नामी हो कि अनाम
कोई जाये सुबह को, कोई जाये शाम।

• Meaning: No one stays here forever, whether they are famous or unknown. Some depart early (in the "morning" of life), while others depart later (in the "evening").

• Insight: Death does not discriminate based on status or age.

35. The Path to Liberation

रोते-रोते जायँ सब, हँसता जाय न कोय
हँसता-हँसता जाय जो, उसका जनम न होय।

• Meaning: Most people leave this world in sorrow or regret (crying). However, the one who can leave this world with a smile (in peace and fulfillment) will not have to be reborn.

• Insight: Achieving spiritual contentment at the time of death leads to Moksha (liberation from the cycle of rebirth).

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Medicine for dog bite - Sadhana Jain - 2016 MAR 10

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This prescription documents treatment for two separate incidents of dog bites occurring in 2016. The primary focus of the treatment is Post-Exposure Prophylaxis (PEP), which is a medical emergency procedure to prevent Rabies.

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📋 Extracted Text Summary

Incident 1: March 2016

• Date: March 10, 2016

• Diagnosis: History of Dog Bite, Grade III (Severe: typically involves deep or multiple punctures).

• Medicines/Injections:

  • Inj. TT (0.5 ml): Tetanus Toxoid (given immediately).

  • Inj. ARS: Anti-Rabies Serum (Referral to a larger hospital, as Grade III bites require immediate antibodies).

  • Inj. ARV (0.1 ml): Anti-Rabies Vaccine (Intradermal schedule: Day 0, 3, 7, and 28).

Incident 2: September 2016

• Date: September 26, 2016

• Diagnosis: History of Dog Bite, Grade II (Minor: scratches or nibbling without bleeding).

• Medicines/Injections:

  • Inj. ARV: Anti-Rabies Vaccine booster doses (Day 0 and Day 3).

  • T. Aceclo: Aceclofenac (Painkiller for inflammation/pain, taken "SOS" or as needed).

  • C. Omez: Omeprazole (Antacid to prevent stomach irritation from the painkiller).

  • Syp. Cremaffin: A stool softener/laxative.

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💡 Layman’s Explanation

The Ailment: Rabies Prevention

The patient was treated for dog bites. In the medical world, dog bites are "graded" by severity.

• Grade III (the first incident) means the bite broke the skin and likely caused bleeding, which is high risk for Rabies.

• Grade II (the second incident) usually involves minor scratches.

The Therapy: Vaccination Schedule

The treatment isn't just a one-time thing; it’s a "marathon" of shots to build immunity before the virus can reach the nervous system.

• ARV (Anti-Rabies Vaccine): This teaches your body how to fight the virus.

• ARS (Serum): Used in the first incident because the bite was deep. This provides "instant" antibodies at the wound site before the vaccine has time to start working.

The Medicines

Medicine	What it does
TT (Tetanus)	Prevents "Lockjaw" or Tetanus infection from the bacteria in the dog's mouth.
Aceclo	A standard painkiller to help with the soreness of the bite or the injection site.
Omez	Protects the stomach lining, as painkillers can sometimes cause acidity.
Cremaffin	Helps with digestion and prevents constipation.

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⚠️ Important Notes

• Dietary Advice: The handwritten Hindi notes suggest avoiding certain foods (like meat or heavy grains). While this is common cultural advice in some regions during vaccination, modern medicine generally does not require specific dietary restrictions for the Rabies vaccine to be effective.

• Historical Record: Please note this prescription is from 2016. If you or someone else has recently been bitten by an animal, seek immediate medical attention at an emergency room, as Rabies protocols have specific windows of time to be effective.

Refocusing (May 2026)

My Meditations    « Previously

9 May 2026, 5 PM

What would I do if I were to die in 24 hours?

Latest achievement: paid back a friend some money I owed him.

Let’s be clear I don’t have any loans now (apart from some 38+ Lacs for Home loan — which is collateralized so pretty much painless :: Just that even if loan itself wasn’t a problem, the EMIs were 34+ K is like 34% of my monthly expense.

There is a thought that just clicked in my mind:

And let me be outright, the thought would seem pretty dumb and stupid, pretty irrational and aggressive

“Can I close my Home Loan in 1 Year?”

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Let’s do some math:

• Loan amount: 38 L

• Salary: 2—2.3 L/month (24—28 L annually)

• Monthly Expense: 1—1.2 L/month

• Savings: 1—1.1 L/month (12—13.2 L annually)

Looking at the “Savings — annually” and “Loan amount” — seems like at current pace, it would take me 3 years.

Factor in the investments that I have currently: 13 Lacs

So effective burden from loan: $38-13=25\text{ Lacs}$

At current pace that would take about 2 years to reach.

Rough calculation would say: to reduce time to half (i.e. 1 year), I’d have to double the input.

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Apart from this target-1-year period, what other timelines am I acting under?

• 6 Months of probation (May—Oct)

• 1 month of allowed bench period

• How long have I been on bench already? 24 Apr — 9 May = 15 days

That makes me think that: apart from having an urge to clear my Home loan, I should also have some emergency fund which going by the books is: 6—9 months expenses OR for me: 6—9 Lacs.

As a first step towards building emergency fund that can also be used to pay home loan, I would:

1. Update my Expenses and Investments sheets daily

2. Park some money 1k—5k in a Liquid Fund today

My Meditations    « Previously

Exploring Fixed Deposit as an Investment Tool

Lessons in Investing    « Previously

Investment Evaluation Report

SECTION 1: Understanding Your Investment

Based on the screenshot provided, you have successfully booked a Fixed Deposit (FD) with Axis Bank. Here is a breakdown of what exactly you have signed up for:

• Principal Amount (The Seed): You have invested ₹5,00,000. This is the lump sum you are lending to the bank.
• Interest Rate (The Reward): The bank is paying you 6.45% per annum. Think of this as the "rent" the bank pays you for using your money.
• Tenure (The Time): Your money is locked in for 15 months.
• Payout Type: This is a Monthly Payout FD. Instead of waiting until the end of 15 months to get your profit, the bank will send the interest earned straight to your bank account every month.
• Maturity Instruction: It is set to Reinvest. This means after 15 months, the bank will automatically start a new FD with your ₹5,00,000 unless you tell them otherwise.

SECTION 2: Exploring the Alternatives

While an FD is safe, it’s important to see what else is out there. Let’s be brutally honest about your other options:

1. Public Provident Fund (PPF)

PPF is a government-backed savings scheme. It currently offers a slightly higher interest rate (usually around 7.1%).

• The Reality Check: It has a 15-year lock-in period. While your FD lets you get your money back in 15 months, PPF traps it for a decade and a half. Also, you cannot get monthly payouts; the interest is only credited once a year. It’s great for retirement, but terrible for someone who needs regular cash.

2. Debt Mutual Funds

These funds invest your money in corporate bonds and government securities.

• The Reality Check: Unlike your FD, these are not "fixed." The value can go up or down based on market interest rates. More importantly, the recent tax changes in India mean that any gains from debt funds are now taxed at your regular income tax slab, removing the old "indexation" tax benefit. You are taking market risk for returns that might not be significantly higher than your FD.

3. Unit Linked Insurance Plans (ULIPs)

These are a mix of insurance and investment.

• The Reality Check: Avoid these if your goal is pure investment. ULIPs are notorious for high hidden charges (Premium Allocation Charges, Mortality Charges, Fund Management Charges). A large chunk of your ₹5,00,000 would go toward commissions and fees before it even gets invested. Plus, there is a mandatory 5-year lock-in.

SECTION 3: Questions and Answers

Q: How much am I going to get each month?

Since your interest is paid out monthly, we calculate it by taking the yearly interest and dividing it by 12 months.

Monthly Interest = (Principal × Interest Rate) ÷ 12

Example Calculation for your investment:

• Principal: ₹5,00,000
• Annual Interest: 6.45% of 5,00,000 = ₹32,250 per year
• Monthly Payout: ₹32,250 ÷ 12 = ₹2,687.50

Note: The bank might deduct a small amount as TDS (Tax Deducted at Source) before sending it to you if your total interest income exceeds certain limits.

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Q: Would there be any growth of my investment in the FD account after the interest is paid out monthly?

The short answer is No.

In a "Monthly Payout" plan, you are choosing to consume your profits as they are earned. Think of it like a fruit tree where you pluck every single fruit as soon as it ripens. The tree (your ₹5,00,000) stays the same size; it doesn't get any bigger because you aren't letting the "fruit" (interest) fall back to the ground to plant new trees.

This is why your Maturity Amount in the screenshot is exactly ₹5,00,000. At the end of 15 months, you will get back exactly what you put in, because you already took the profit out every month along the way.

Summary: This FD is an excellent choice if you need a steady monthly "pocket money" of about ₹2,687. However, if you wanted your ₹5,00,000 to grow into ₹6,00,000 over time, you should have chosen the "Cumulative" option instead of "Monthly Payout."

Lessons in Investing    « Previously

Dichotomy of living your life, and doing sacrifice now for better future

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The dichotomy between living in the present and sacrificing for a better future is a fundamental human tension often described as the conflict between instant gratification and long-term reward. It is the struggle between being fully engaged in the "now" (joy, peace, presence) and enduring hardship today to ensure comfort tomorrow (ambition, discipline, security). 

This paradox is best understood not as an "either/or" choice, but a balanced "both/and" approach to prevent regret or burnout. 

The Core Conflict: Present vs. Future 

• The Case for Sacrifice (Long-term Gain): Achieving significant goals—career, financial freedom, health, or mastering a skill—requires giving up temporary comforts, sleep, or leisure time. This perspective views present sacrifices as investments, not losses.
• The Case for Living Now (Short-term Enjoyment): Focusing entirely on the future can lead to neglecting the present, where true happiness lies. Over-sacrificing can result in a "pathological" state where one is always working, never truly living, and potentially missing out on life itself.
• The "Middle Way": The best approach lies in finding balance, where today’s actions are enjoyable but also align with long-term goals. 

Key Strategies for Balancing the Two 

1. Reframe "Sacrifice" as "Investment": Change your mindset from "losing out" to "investing." Sacrificing time for study or working out is investing in a healthier, more capable future self.
2. Practice "Surgical" Sacrifice: Don't sacrifice blindly. Be strategic about what you give up (e.g., frivolous spending, excessive social media) and ensure it directly serves your long-term goals.
3. Use the "Three Pot" System: Organize your life into "Yesterday" (past responsibilities), "Today" (enjoying life now), and "Tomorrow" (saving for the future) to ensure all areas get attention, say experts via Winson Capital.
4. Aim for a 25% Savings Target: A common rule of thumb is to save or invest roughly 25% of your income. Once that goal is met, you can enjoy the rest of your money guilt-free.
5. Be Present in Your Work: You can "live in the moment" even while working hard. By focusing intensely on the task at hand rather than anxiety about the future, you find flow and joy in the process. 

Risks of Extremes 

• Too much present living: Leads to regretting a lack of security, health issues, or financial instability later in life.
• Too much future sacrifice: Leads to burnout, loneliness, and realizing you have sacrificed the best years of your life for a future that might not turn out as planned. 

Ultimately, the goal is to create a "purposeful, disciplined, and playful" life, where you are building for the future while still enjoying the journey. 

To help yourself find your personal balance, ask yourself:

• What is the biggest sacrifice you are currently making?
• What is the primary goal you are sacrificing for?
• Do you feel more burned out or more anxious about the future?

 

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