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I am looking for "Payyanur Pattu Pathavum Pathanavum". Author: Skaria Zacharia. Publication: Current Books, Kottayam (now part of DC Books, I suppose). Published only once. Not available in the stores.

Thanks.

Etruscan view on blogging

An alternate view to the Basque proverb can be found here.

I will admit it. There's a certain sense of unavoidable shame that comes with learning, particularly the kind of open day-to-day learning that a blog can convey. Blogs can be brutally personal, which explains no doubt why some people experience blogger burnout. It's taxing to the ego to make a booboo. We all want to be accepted in the beehive, not shunned as the town heretic. Communication, especially in our day and age is a double-edged sword that is both necessary to explore new answers and seek them out from others, and yet a potential source of embarassment if it should so happen that there's even a chance that you're horribly wrong. There's no such thing as a perfect learner that never makes mistakes. Errors are the very soul of learning. So when you're like me that puts himself out there for the world to see weekly, I too find it hard not to feel a sense of shame when I have to prove myself wrong because of that blasted thing called conscience. And yet, I would be more embarassed as a human being to pretend that I don't make mistakes.

A Basque Proverb

A blog is the appropriate space for those who only want to hear themselves.

Personal Interest Litigation - III

The Monopolies and Restrictive Trade Practices Commission (MRTPC) has ordered an investigation into the non-transparent way in which banks are computing interest rates on home loans and how they discriminate between new and existing customers.

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Many banks are quick in raising interest rates whenever there is a slight increase in the cost of funds. But when it comes to slashing of interest rates, they wait for a considerable fall in the cost of funds before slashing interest rates by a small fraction.

Via India home loan.

Wow! I am really the wronged one!

Taking a break from blogging

For next two months...

Change in blog name

I have decided to change my blog name. I found the existing name too much defensive and probably cunning. Here I am trying to disprove and sometimes slander some of the existing theories and propose my own theories(or hypothesis). But always reminding my reader my not-so-ideal state of mind. It is something like throwing mud on others after smearing myself with it. It of course stinks and I am not very happy with this.

My defensive state comes from the fact that I do not have a proper education and understanding of the things that I talk about. But so what? I do not have a proper understanding of anything under the sun. And this makes me to believe probably I have an equal understanding of all of the things in my own way of thinking. Some words talk to me very strongly and some not at all. I do not have to bother about the fate of my theory as the rules should take care of them. Probably, I should understand it by myself over time or by others. In my opinion, I should be knowing to the rules of presenting a hypothesis, if not, should have enough common sense to understand its weak points.

Of course, my change of heart must be attributed to, in no small measure, to this study that I came across at Indo-Eurasian_research yahoo group. From the summary;

There is increasing concern that most
current published research fi ndings are
false. The probability that a research claim
is true may depend on study power and
bias, the number of other studies on the
same question, and, importantly, the ratio
of true to no relationships among the
relationships probed in each scientifi c
fi eld. In this framework, a research fi nding
is less likely to be true when the studies
conducted in a fi eld are smaller; when
effect sizes are smaller; when there is a
greater number and lesser preselection
of tested relationships; where there is
greater fl exibility in designs, defi nitions,
outcomes, and analytical modes; when
there is greater fi nancial and other
interest and prejudice; and when more
teams are involved in a scientifi c fi eld
in chase of statistical signifi cance.
Simulations show that for most study
designs and settings, it is more likely for
a research claim to be false than true.
Moreover, for many current scientifi c
fi elds, claimed research fi ndings may
often be simply accurate measures of the
prevailing bias. In this essay, I discuss the
implications of these problems for the
conduct and interpretation of research.

The article is about research in Medicine. And this of course especially true in the case of Medical studies of Population Genetics the backbone of the farce called Human bio-diversity. I think they want to come out with white medicine, black medicine, yellow medicine...probably, brown medicine or upper caste medicine/lower caste medicine etc...

Well, I believe if this is the case with researches in Medicine what about not-so-scientific field of anthropology. I do not have to explicitly say that I am incoherent. The whole field is.

Personal interest litigation -II

So after all the culprit is ICICI bank in my case and not RBI.

Rising interest rates on home loans is bad news for any borrower, but it is particularly bad for those who got loans at floating rates in late 2004 or early 2005. Such borrowers are effectively paying between 0.5 and 2.0 percentage points higher than new borrowers.

Why is that the case? Read on. Both the main lenders in the home loan segment, ICICI Bank and HDFC Ltd, which control almost 50% of the market, have increased rates for existing borrowers around half a dozen times since November 2004. Every time their benchmark lending rate goes up, the increase is passed on to old customers. To lure new customers, however, they are willing to settle for a lower increase in the rate for fresh borrowers, by increasing the discount to the benchmark rate.

As one banker says, “an old customer is like your wife, a new one is like your girlfriend.”

Article at The Times of India.(bold of course mine)

I have been a wife of ICICI since late 2004. Well, the new laws give brutalized wives enough ways to fight back. I just wonder if I have any.