Tuesday, October 30, 2012

Principles from 1 Corinthians and Some Thoughts on the Elections



Principle 1: We are here to glorify God, and the ways to glorify God are: (1) believe in Him and the Lord Jesus Christ- for our salvation, sustenance, sanctification and union with Him in glory; (2) fulfill God’s desire for us by living in a consistent manner to God’s Word; (3) fulfill God’s desire for human beings to know Him by carrying the Gospel to the ends of the earth.

“In him you have been enriched in every way- in all your speaking and in all your knowledge, because our testimony about Christ was confirmed in you. Therefore, you do not lack any spiritual gift as you eagerly wait for our Lord Jesus Christ to be revealed. He will keep you strong to the end, so that you will be blameless on the day of our Lord Jesus Christ. God, who called you into fellowship with His son, Jesus Christ our Lord is faithful.”

“Now you are washed, you are justified, you are sanctified in the name of the Lord Jesus Christ and by the Spirit of our God.”

“The message of the cross is foolishness to those who are perishing, but to us who are being saved, it is the power of God.”

“For I am not seeking my own good, but the good of many so that they may be saved.”

“I have become all things to all men, so that by all possible means I might save some.”

Principle 2: Christians must rely on God’s power to fulfill his desire, not on earthly powers.

“So neither he who plants nor he who waters is anything, only God who makes things grow.”

“I resolved to know nothing while I was with you, except Jesus Christ and Him crucified.”

“My message and my preaching were not with wise and persuasive words, but with a demonstration of the Spirit’s power, so that your faith may not rest on man’s wisdom but on God’s power.”

Principle 3: Even so we must work hard to fulfill God’s desire and trust God to take the work to his planned end. We constrain ourselves, bind ourselves in order to glorify God. However we must expect God’s reward for our work.

“Everyone who competes in the games goes into strict training. They do it to get a crown that will not last, but we do it to get a crown that will last forever. Therefore I do not run like a man running aimlessly. I do not fight like a man beating the air. No, I beat my body and make it my slave so that after I have preached to others I myself will not have run in vain.”

“No eye has seen, no ear has heard, no mind has conceived what God has prepared for those who love Him.”

“When the plowman plows and the thresher threshes, they ought to do so in the hope of sharing in the harvest.”

Principle 4: We must be opportunists because God gives us several opportunities to glorify Him.

“Whatever you do, do it all for the glory of God.”

“Though I am free and belong to no man, I make myself a slave to everyone so that they may be saved.”

Principle 5: It is heresy to expect an unbeliever to behave like a believer, but we must admonish and teach those inside the church- and call to repentance our brothers when we feel that their path is not according to God’s Word.

“What business is it of mine to judge those outside the church? Are you not to judge those inside? God will judge those inside.”- 1 Corinthians 4:

Some thoughts on the application of the above

 I started writing this down in connection with the debates among Christians going on at this time, during the Presidential elections. As all the others, Christians are also seeking to influence laws, and therefore the outcome of the election; to reflect what we believe is right. We are often told to vote our conscience. Phrased this way, we are asked to vote into office lawmakers who promise to bring to the table bills that will reflect our views on right and wrong.

In recent years this view on right versus wrong have taken on the form of creating more than social contracts but the understanding of personal moral absolutes on the society as a whole. I view marriage as between one man and one woman and therefore I’m urged by social, political and religious leaders to influence laws that would make this not just a personal moral understanding based on the Bible but the only social contract referring to marriage.
On the other hand major victories can be legitimately claimed by believing Christians of the past- in civil rights (Dr. King), abolitionist movements (William Wilberforce), women’s suffrage (Frances Willard), women's rights in the church and society (Katharine Bushnell, Elizabeth Andrew- especially in their effective investigation of rape, neglect and abuse of Indian women by British soldiers during the Raj), so-called Christian feminism (Josephine Butler), animal rights (Wilberforce again), environmental stewardship (John Muir). In our time modern abolitionists at International Justice Mission, Freedom Firm and other organizations have led this fight in the name of Christ, and thousands of slaves have been rescued. These victories have been achieved in full observance of the political and legal structures in place in the countries in which they have been accomplished. While some have involved working with victims of injustice directly, others have involved tireless political campaigning on a grand scale. In every way, these efforts glorify God, according to definition in the above paragraphs: by trusting God, living Christianly (in a personal sense) and by making the Gospel compelling to those outside by the power of God.

This brings us to the question. Which of our current issues on the political front (not the ones in which we are working directly with victims of injustice or unbelievers) are making the Gospel look compelling?


  •          Gay marriage
  •          Abortion
  •          Death penalty
  •          Euthanasia
  •          Right to bear arms

It has become clear to most Christians that many of us, even in the church, are not believers of the Gospel of Christ, but believers of civil religion- be it American, European, Indian or Chinese. And thus the goals of the country have become enmeshed with some of the goals of the Gospel.

We are pro-life. Human life has sanctity. Do we have the right to end it, whether at conception or at any other time?

We believe in the union of one man and one woman. By insisting that the society endorse this in its laws explicitly, are we creating a compelling case for the Gospel? What if the definition of marriage is changed to include polygamy or polyandry? Even then, should we oppose it as Christians in the political sphere? Certainly we know that we should oppose it in our personal lives, but is it our business to enshrine it as the sole union in human law for everyone, even against their wishes? How about an age limit for marriage? Should we take that away? I think most people understand that puberty, financial responsibility, education, worldly knowledge, etc are prerequisites to start a family, and on those bases we have agreed on an “age of majority.” This is a constraint based on practical matters, not a restriction based on a different understanding of right and wrong.

What if this “slippery slope” impacts our liberty to choose heterosexual monogamous marriages to be upheld as being the only legitimate marriages in our churches? This may be scoffed at as even a remote possibility by unbelievers, but we know that countries have trod roughshod over our religious liberty in the past by more despotic government systems and this continues to be the case today in countries like China. How then can believers cope? To prevent this from happening, should believers attempt to influence laws that restrict unbelievers to behave differently than us?

Historically, when the state has acted against Christians, we have resorted to loving civil disobedience that has compelled unbelievers to see the power of the Gospel. Avoiding this pain is neither compelling nor even effective as a defense against worldly values.

Laws that are unjust towards people are fair game for Christians to fight. We cannot drop out of these fights. The Amish people sought to divorce themselves from the government. They pay their taxes and do not take advantage of the laws permitting religious institutions to be tax-free. But they do not avail of the Government’s healthcare provisions. They pay what is owed to Caesar but are under no illusions that Caesar (while appointed by God) behaves at all like God desires. They also do not purchase insurance but help each other pay for medical bills. This seems attractive to me- a church seeking to take no advantage of the state is also free from the diktats of the state. While our decrying of the President’s mandate for religious institutions (not churches) to pay for mandatory birth control is right because it is an infringement of our liberty, we must also be cognizant of the fact that we have already roped in the government into the functioning of these institutions by accepting funding from them. This is to be sure a dilemma. The funding is important to ensure that the people we serve get good treatment at our hospitals, education at our schools and other services that we provide. We must negotiate this carefully.

The Amish not only dropped out of the government but also out of society, and this clearly is an indictment against them, according to our definition of glorifying God. Their isolation of themselves, dropping out of education after Grade 8, disengagement with society, are all examples of the church going the other extreme. It is no surprise that among the victories mentioned earlier, the key figures have been Christians who have engaged society and the government, and do not include any Amish that I know of.

In my mind “voting our conscience” is clearly a value to abide by- but as it has been interpreted differently, I would add to this the value of “voting in a manner that would make the Gospel compelling.” If our efforts are geared towards anything other than this, we are wasting our time. And most of our efforts in the past decades have been a clear waste of time. We have poured time and resources into fights that have distracted from many "life" issues. While our pro-life stance (in the case of abortion) has been right, our definition of being pro-life has been narrow- we have mostly forgotten about our duty to extend a cup of cold water to those in need. We have missed golden opportunities to glorify God in our headlong rush to build walls between ourselves and the world by enacting laws that alienate unbelievers from the Gospel, and cause us to judge those outside the church.

Friday, October 26, 2012

The End of Knowledge

I've been reading 1 Corinthians over the past several weeks. The Corinthians seem to have been a mixed bag of Christians- the rich and poor, Jews and Gentiles, wise and simple-minded (weak brothers), many spiritually gifted with charisma and full of contention on several topics (which leaders to follow, questioning apostolic authority, lawsuits among believers, misinterpretation of liberty- especially on sexual topics, engaging the idolatrous culture around them and even within themselves.

It is painfully clear that Paul is exercising restraint and showing forbearance even as he pens reproof for these actions, and demonstrating a rich theology that is stunningly clear in its application in our world. He frequently undermines the reliance on human wisdom that many Corinthians seem to have come to prize above all else, and even while appealing to people who exult in their liberty to show concern to the weaker brothers, he points his guns at this idol of wisdom. "We know that we all possess knowledge. Knowledge puffs up but love builds up. The man who thinks he knows something does not yet know as he ought to know, but the man who loves God is known by God" In the second chapter he has mentioned that the rulers of this age with their wisdom could not comprehend God's plans, and however simple-minded Christians may seem, they are able to understand by the help of the Holy Spirit the wisdom of God.

He shares with the Corinthians that he has become "all things to all men, that by all possible means he might save some", and as a reward, he will share in the blessings of the Gospel. This is the one goal for his witness, because as he says "when the plowman plows and the thresher threshes, they ought to do so in the hope of sharing in the harvest." Again, while admonishing the Corinthians on how they must put the Gospel and its witness first in engaging the unbelievers, he says, "I am not seeking my own good, but the good of many, that they may be saved."

When talking about their coming together as a church, he urges each believer to wait for each other when partaking in the communal meal that was the Lord's Supper in his day. This was in response to the confusion and selfishness the people exhibited in this sacrament, in which they went ahead to eat without waiting for anyone else as he says, "One remains hungry, another gets drunk."

He talks about spiritual gifts, of which the Corinthians seemed to have an abundance, but urges them that they must consider every member as complementary and indispensable, like the parts of a body. If one part suffers every parts suffers with it. If one part is honored every part rejoices with it. He likens the church to a body in which the parts that seem to be weaker are indispensable, the parts that we think are less honorable, we treat with special honor (for some reason I keep thinking of applying deodorant when I read this!), the parts that are unpresentable we treat with special modesty, while our presentable parts need no special treatment. I keep thinking of the disabled ministry in our church called STARS, one of my favorite ministries in the church. One of my favorite services is when the Stars come together to lead worship- they are assisted by their ministry leaders.

This section culminates with 1 Cor 13, arguably the most famous chapter in this book, if not the Bible itself. As this chapter unfolds, removing layer and layer of mystery and allowing us to marvel at greater mysteries, it says"Where there is knowledge it will pass away." Paul means that it will pass away as we transition from here to eternity. But how does knowledge pass away? Does it mean that we will know nothing in heaven? Does seeing God face to face mean that it will be the end of knowledge? It seems to me that loving God is the end of all knowledge. We search for extraterrestrial life on other planets, for the answer to everything in the smallest supposed building blocks of the universe, study the human psyche to understand why we behave the way we do, look for clues in our history to understand why we believe what we do... all of that for one and onle one end, to know God, whether we believe it or not. I think this is why earlier Paul remarks, "We know that we all possess knowledge. Knowledge puffs up but love builds up. The man who thinks he knows something does not yet know as he ought to know, but the man who loves God is known by God"- because loving God seems to be a special kind of knowledge.

If we see God clearly, not a poor reflection as in a mirror, but face to face; if we know God, not as we know now (partially), but fully- even as we are fully known, then the knowledge of what we think are lofty concepts like jet propulsion, sending rovers to Mars and mapping the human genome, will seem small. When we think of these small things as ends in and of themselves, we are like kids playing with legos in a magnificent cathedral- having no eyes for the beauty of the cathedral, but content to build simple structures with our legos.

Friday, March 30, 2012

A Boat Beneath A Sunny Sky

In 1984 I was in fourth grade- Dad bought me a copy of Alice and Wonderland and Through the Looking Glass. It ended with this acrostic poem, then my favorite and now a strange if evocative one, that gives the name 'Alice Pleasance Liddell' when expanded. Alice was one of the three siblings to whom the story was originally told by Carroll.




A boat beneath a sunny sky,
Lingering onward dreamily
In an evening of July-

Children three that nestle near,
Eager eye and willing ear,
Pleased a simple tale to hear-

Long has paled that sunny sky:
Echoes fade and memories die.
Autumn frosts have slain July.

Still she haunts me, phantomwise,
Alice moving under skies
Never seen by waking eyes.

Children yet, the tale to hear,
Eager eye and willing ear,
Lovingly shall nestle near.

In a Wonderland they lie,
Dreaming as the days go by,
Dreaming as the summers die:

Ever drifting down the stream--
Lingering in the golden gleam--
Life, what is it but a dream?

Friday, September 30, 2011

Steve Roy, January 31 1990 - September 30 2011

How much death and disease does it take for us to think seriously about the end of our days? At the risk of turning this blog into an obit column, I'm penning my thoughts on a shocking death in our family yesterday. Steve Roy died in a motorcycle crash last night in Kerala, India in a collision with a truck. He was 21 years old and the only child of his parents. I don't have any words at this time to describe the impact of this on his near and dear ones.

A friend of mine came through Brain Tumour 14 years ago and currently works in a mission organization dedicated to seeking justice among bonded laborers in India. Her recent comments on her Facebook page about this:

Its been 14 years....2nd Sept 1997, I underwent a surgery to remove a brain tumour...my only hope and assurance was that if I died I would be with Jesus and if I lived I had a purpose to live for the one who overcame death through His resurrection-Jesus...Who sustains me and has given more than I could've ever imagined or dreamt of!

I responded to her a second time after Steve's death:

I'm re-reading your post and trying to derive comfort from what God has done for you and through you. As I see people I know dying one by one and I get shocked into questioning God I need to hear a testimony like this to help me understand his goodness. Thanks again for saying these words.

Her response to this:

I know what you mean, I see suffering and injustice everyday and did question God's goodness but the perspective of seeing God from eternity and his provision to change our destiny eternally helps me see this as a momentary suffering...gives me the joy and peace to enjoy today and hope does not disappoint, it strengthens faith and keeps fear away...if there was no eternity and redemption then I would be shattered...remember the Trichy trip when we sang the song Rev 21:4 -He will wipe every tear from their eyes, and there will be no more death or sorrow or crying or pain. All these things are gone forever.

We will never make sense of death and will always be shocked at it this side of eternity. On the other hand we will continue to live as if we will not die any time soon. Every time it happens to someone close to us we are filled with doubt and fear. And as Christians this still happens when we know and cherish the fact that he will wipe every tear away. I don't have any words to describe this reality that conflicts with our experience.

In a later, more advanced age, human beings may find a way to save cases like Steve's, and using technology give people like him a new lease of life, at once making the person more and less human at the same time. We do our best to cheat death, but as surely as the world is fallen, death overrides attempts to delay or eliminate physical atrophy, repairs to the mind and body and all other efforts we put in to further life, not knowing that eternal life is something else entirely.

Sandra McCracken's song, 'The Tie that Binds' was written about a little girl who died. The words express with pain what I can't at the moment:

The sorrow of a friend
From a long way we stand
Grief is second hand
But I'll send my tears in a locket

Amelia smiles under lights & wires
Thorns for every flower
We number every hour
And live the days we are given

Oh, the pain
It makes you feel alive
Oh, the broken heart is the tie that binds
And I pray to God, these things will be made right

When the morning shines
On tear stained eyes
Oh we shall overcome
The Father gave the Son
To break the curse we are under

Oh the pain that no man can escape
Oh the sting of death, the empty grave,
And I pray to God where comfort has no place

When our tired eyes look through the veil
The colors are so pale but we raise high the sail
And call the winds to carry us home
Call the winds to carry us home.

Monday, August 15, 2011

Commentary on Psalm 84:11 from Sir Richard Baker

For the LORD God is a sun and shield; the LORD bestows favor and honor. No good thing does he withhold from those who walk uprightly

I heard this commentary at a Sara Groves concert yesterday- she shared this and I later looked it up.

But how is this true, when God oftentimes withholds riches and honours, and health of body from men, though they walk never so uprightly; we may therefore know that honours and riches and bodily strength, are none of God's good things; they are of the number of things indifferent which God bestows promiscuously upon the just and unjust, as the rain to fall and the sun to shine. The good things of God are chiefly peace of conscience and the joy in the Holy Ghost in this life; fruition of God's presence, and vision of his blessed face in the next, and these good things God never bestows upon the wicked, never withholds from the godly, and they are all cast up in one sum where it is said, Beati mundo corde, quoniam ipsi Deum videbunt: Blessed are the pure in heart (and such are only they that walk uprightly) for they shall see God. But is walking uprightly such a matter with God, that it should be so rewarded? Is it not more pleasing to God to see us go stooping than walking uprightly, seeing stooping is the gait of humility, than which there is nothing to God more pleasing? It is no doubt a hard matter to stoop and go upright both at once, yet both must be done, and both indeed are done, are done at once by every one that is godly; but when I say they are done both at once, I mean not of the body, I know two such postures in the body both at once are impossible; but the soul can do it, the soul can stoop and go upright both at once; for then doth the soul walk upright before God, when it stoops in humility before God and men.

Although I agree with largely, I have some nagging questions:

1. Material things or lack thereof affect us, in soul formation.
2. We are meant to provide for others' material needs.
3. We ask God for our daily bread.

How are these things then not "good things"?

Thursday, July 21, 2011

The Art of Selfish Obfuscation

I came across this article in the conservative periodical, the Weekly Standard. The article makes the argument that while the inalienable rights as defined in the Constitution as the freedom to worship, free speech, presumption of innocence until proof of guilt and so on are natural and does not require human intervention to create them. On the other hand rights which are pushed by the political Left, such as the right to a job, right to income, right to the best available healthcare, etc are paid for by human blood, sweat and tears, and therefore need to be compensated. The article lauds the Left for having the best intentions, but portrays them as being naive in imagining that any of these provisions could or should be provided free by some of us who pay taxes. It goes on to explore the failings of many welfare states.

I emailed the author with the following note:

This is a good argument. I'm a centrist and hold no political ideology to be above moral absolutes. I have a gripe about this though.

Although the Left packages many goods as rights I don't believe they think these are inalienable rights. Rather, they think these are collective responsibilities. The Jeffersonian ideal of life, liberty and the pursuit of happiness may not have been inherently selfish, because it was drafted by people who wanted these things for their countrymen and not simply for themselves; but it has been understood in a narrow sense of "what is in this for me" by contemporary Americans. We only think of rights as being sacrosanct, and not of responsibilities. Or, some responsibilities. Our successive governments have not hesitated to rush arms and soldiers to foreign countries when there was no threat to the US from those countries- all at the cost of the taxpayers. We regard this as a responsibility. Somehow we do not think of taking care of the elderly and the sick among us as being a collective responsibility. There are other things you mentioned which do not merit such collective pooling of resources. But atrophy, disease, old age and intensive care are among the kindnesses a humane society cannot do without. The pursuit of happiness precisely this- to build such a community of responsible people. Without this we would simply become greedy and selfish, all the while justifying it with ideology and the oft-repeated excuse that there is no free lunch. There isn't, of course, but no responsibility is painless; and a society that cannot bear any pain to do something good is a society that is in decline.
I wonder if the distinction between the Left and the Right is not so much naivete or unkindness on either part as the article seems to imply, but a wrong understanding of our responsibilities and others' rights. Fighting someone else's war even on serious grounds presents moral dilemmas that noone should think of war as being a good choice under any extenuating circumstances. It is wrong, period. As wrong as it is to justify the Holocaust because as a result the Jewish people got a homeland or to justify the horrors of the British Raj because Indians received the benefits of the English language, law and a democratic government. These are excuses to justify our prejudices or selfish interests. I'm not saying that we should never fight wars- simply that even when we have no choice in the matter, we are doing something wrong. And our soldiers whom we pray for are killing people daily, which is wrong. It takes a toll on them for good reason. If it didn't we should be afraid, that somehow we have become numb to the guilt in our consciences that was intended by God to turn to Him.

To withhold care from the aged or infirm because of the financial strain on taxpayers would be irresponsible and simply adding to the me-first mentality that we have come to prize in our super-private society.

Friday, March 11, 2011


Back in the day when choices were limited, there was only one brand (I think) if you wanted "squash", a sort of punch drink in India. That brand was Dipy's. Its mascot was a blond cowboy with a smiling face playing/mock-fighting with Native Americans. The ads were usually in cartoon-strip format with a one-page storyline with a plot straight out of any scene from the dime-a-dozen Italian spaghetti westerns that abounded in the 70s. Except that the Native Americans' aim was always to get the squash from the cowboy (named Dipy). Dipy managed to ward them off with this superior lassoing, gun-toting skills. Besides the Natives were portrayed as pretty pathetic, goofy guys. Sometimes Dipy encouraged them to leave their violent ways and share with him in tasting the squash. Train robberies, horse chases across the prairie, were all part of the lore. I have not seen any of these ads since the mid-Eighties. It was fun to read them as a kid.

I saw a smaller, non-plot version of these ads from another blog featuring vintage Indian print ads (on the left). The memories came flooding back. The punchline for these ads was always the cowboy riding into the sunset singing, "Dipy Dee, Dipy Doo, Dipy Dum Dum". I just can't find a full cartoon strip version on the Internet.

On the other hand when I look at it now, these sure weren't politically correct, and would never fly in today's America (or perhaps even today's India). A similar cartoon strip format was used to market Poppins, small candy packed in bunches in a roll. It was clever because the kids' magazines that carried the ad usually attracted the kids' attention due to their cartoon format. And now, if I could only find a vintage cheese ad from Amul that keeps playing in my mind!


Thursday, March 3, 2011

Oh the Humanity!

I've heard about flight attendants calling for medical doctors over the PA system, but it was the first time I'd been in such a flight. I was flying United 635 from Chicago to Seattle early this week, and heard this announcement. A lady had fainted out of low BP and they needed someone to assist. Strangely there was not even one doctor on board. The stewardesses spent the rest of the flight (about 3 hours) caring for the passenger. They were about to change the flight to Denver as it was closer, but the person felt better and after consultations with doctor on the ground through 'Medlink' they decided to stay on course. I was impressed withthe flight attendants who cared for her. Somehow in our busy world that seems to not care a hoot about the next person it came as a reassurance of our purpose in life.

Tuesday, February 22, 2011

4G Nonsense


Close on the heels of people wondering what an iPad actually does that is groundbreaking, here is another set of lies around 4G. The whole world knows by now that what are being touted as 4G are really 3G'S latest versions. Worse still are the claims to having the largest, fastest, most evolved 4g networks in the world. Here are 3 serial offenders I know of- it hurts me to see their ads when I open Yahoo or a tech magazine:

Verizon


T-Mobile



AT&T


Wednesday, February 9, 2011

Remembering Elizabeth Mary Nicholas, 27 Jan 1921 - 30 Jan 2011

Another person whose life marked a milestone in the life of our family passed this week to the world of light. VJ Elizabeth Mary, later Mary Nicholas, my maternal grandma was 90 years old on January 27th this year. On January 30th she breathed her last, having fought to keep her life for 2 days on a ventilator. She suffered a heart attack as her body functions gave way one by one, and in a moment she was gone. I traveled to India to send her on her way home.

Her passing left a gap and this was evident by the sense of disbelief on her loved ones’ faces. She was 90, but no one really thought grandma would go at this time. In every way healthy and vibrant, an accomplished woman for her times, a person full of life and ambition to her last day, she is remembered by every one for her sheer involvement in all things contrary to what others of her age were involved in. So many travels in her golden years, many overseas. She visited me once and was thinking of another trip to the US as she neared her 90th birthday. Her tour of the Holy Land was the highlight of her traveling life. Her insistence on having a leaf from a tree at the Mount of Olives led to a fellow traveler obliging her for one- the leaf, plucked illegally, still resides among the pages of her Bible.

I can’t get used to not seeing her around ‘Old House’ which is what we called her home. Turn a corner and you see a bar of Pears soap, used only by her. Indeed it may have been used just 2 days before her death, marked as it is by the solidified lather on its surface. Move around and you see volumes of correspondence, photos, memorial cards of friends who have passed, old bills, postcards from the 1940s through the 2000s. Grandma was perhaps not a hoarder in the American sense but she saved mostly reminders in paper form and some in the cloth form. I have a baptismal dress from 1947 which belonged to my mom. She gave it to Alma the last time we visited a year and a half ago. When I go to her grave, now adorned with flowers, I fondly recall the feast days, particularly the ‘All Souls Day’ on which we (as kids) would go with her to the family grave (in which her parents and husband were buried) to light candles and place flowers on it. Just a few months ago my aunt remembered those days and mentioned how she looked forward to the occasion.

I see a note of encouragement written by a friend to her son, my uncle when he first started his teaching job as a college lecturer. He is now retired. I see pictures of me, my siblings and my cousins, which when I see them I realize I’d forgotten they ever looked like that. I see pictures of my mom as a baby- which I’d never seen before. I see pictures of her younger brother, who died in 1996. He is standing proud and tall in this pre-World War II Royal Indian Air Force uniform. The later story is that he was given a medal for his bravery in the India-China-Burma theater of the war. I see pictures of her youngest brother when he was a boy. He is still alive, and I saw him at her funeral.

Although she was fascinated by my experience of coming to Christian faith and constantly sought after the born-again experience (which I believe she did have, though not in the Damascus Road sort of way I experienced it), and was constantly reading the Bible in the 3 years before her death, grandma was not used to the idea of death. She did not prepare for it in a financial sense until the month of her death. It seems like she had a sense of what was coming in the last month of her life. Strangely she wrote vast sums of money as a gift for my dad and my elder brother, after initially offering (and being refused) to write my Dad a blank cheque. She wanted them both to buy the best shirts available in the city. My dad bought some decent shirts which cost a lot less than she gave him, and with her permission, bought a large supply of food for the ‘House of Providence’, a Catholic charity which cared for old people who were generally poor. A few weeks prior, she was watching a Latin mass being offered and told my Dad that she wished to have the same priest officiate at her funeral. Dad went through many hoops to get information on the priest and on the singing group and spoke to them at the time about potentially having them officiate at a wedding in the future. It turned out that they officiated at her memorial service (n the 7th day of her death) according to her wishes. It was the most beautiful liturgy (as far as I could figure it out) I’ve heard and truly beautiful singing in Latin. Out of the blue, she had insisted that her body be displayed in the living room of her house for visitation. This too was done.

It had been wish ever since she’d heard of the Titanic in her teens or twenties that the hymn ‘Nearer my God’ should be sung at her funeral. Sure enough, it was sung several times, once by a beloved nun who came to her funeral, later at a memorial service by the Latin choir and several times played over a PA system for the group of well-wishers who had gathered at our door before the funeral.

When I think of her my thoughts drift to the many trips we’ve taken with her of which the pictures remind us constantly and strongly, of the childhoods fun we’ve had with her, of her singing us lullabies to sleep (one, titled ‘Evening is Falling to Sleep in the West’ is a rare song from the 1920s she had learnt in school, which after a lot of research I received information on the composer and the complete lyrics from the Southwestern Baptist Theological Seminary in 2002), of her tales of her ancestors (one of whom was reputed to have heroically fought a leopard by his bare hands and killed the animal) and her voice keeps repeatedly ringing in my ear, often calling my name or telling me to preserve the memories by taking some of the old pictures or keepsakes with me.

It seems amazing now, I had a wonderful experience in India during this visit, bonding with many relatives I had long ceased to connect with. Grandma’s passing brought us all close together. It was painful to leave. A trip to India always leads me to question myself as to what I’m doing in this modern Tower of Babel, 2 oceans and 12000 miles away, feasting in plenty when others needed my presence and my support in so many ways. But this time it brought me so much clarity as to how close relationships are in India. I miss that terribly. No, I’m not homesick at all. My family took root in the US, and after 11 years we have many good reasons to call it home. But we are at once at home and at once in exile in the US, so lonely, so focused inward, and yet so familiar. Will my kids ever know the laughter and warmth that marked the gathering of our family members when we were kids? I hope they can get a glimpse of it in their short visits to India.

She never got to see our second child, David, although she was overcome with joy when she heard the news of his birth. She loved the name. Someday I will write about all of these for my kids to read and know. Someday when the realization hits me that she is gone. Gone home, no doubt, but gone from us nonetheless. Until then. Goodbye, Ammachi.

Thursday, January 27, 2011

Thoughts on Real Needs and Investing in Them

You have to wonder how much longer the demand for gold can last. Gold has no real value in that there is no real need for gold. People have a clearly established need for essentials like food, water, air, clothing, shelter, education, health, relationships, quality of life, fiscal stability, stability in governance, physical safety and so on.

Assuming that only such essentials were invested into, one also encounters strange hybrid beings stalking this investment landscape that drive up or down the prices of even these essentials: complex derivatives, debt-leveraged and price-inflated artificial demand, instruments that are meant to distribute risk (like mutual funds) but due to their mix of different types of products, presenting a dubious proposition- and so on.

In the past few years we have seen the rise and fall of many hypes, translating into bubbles and bursts, among them real estate (which is a 'real need'). The derivatives and easy credit clearly inflated that market, and the instance serves as a good example of a situation in which investors put the cart (derivatives, credit-fueled prices, capital gains prospects) ahead of the horse (the real need for housing).

A few months ago an investment advisor warned me against placing any money in the realty sector in emerging markets. As an Indian I wasn't seeing what he was seeing- a crash in the real estate funds as well as one large realty company. I was seeing parcels of land in rural southern India which I bought at a reasonable price, which has appreciated on expected lines. The land lies in a zone which is seeing demand from people returning from overseas or others who wish to live just outside of the cities in which they work. The demand is also fueled by infrastructural developments in the vicinity of these parcels. The 'real need' usually pays. The derivatives are priced at perceptions of capital gains of those derivatives and not necessarily the underlying asset. This market is volatile due to any number of reasons, significantly the worldwide loss of faith in real estate.

Let's take the example of clothing. There are many brands that are mere relics of once-famous icons. In the US, the demand for clothing is pretty consistent but the demand for brands is more volatile. What are the essential clothing? Well- the essentials literally. Underwear, socks, casual jeans and so on. There are good ways to judge a sound investment in these categories by the volume and scale of their reach and their portfolio of clothing options.

Water is a real need. Water purification systems may be here to stay. And so may be safety systems. Hoping for quick capital gains based on derived demand may prove to be the long term loser.

The best example of this is in currency markets. I know of people who have invested in Euros in the early stages of the recent recession. Clearly that did not turn out to be a good idea. The internet is buzzing with $500 billion disappearing from investors' wealth due to their holdings in foreign currency derivatives, notably those with the Dollar as the underlying asset. Their moment of loss came during the short term value loss which the Dollar experienced 2-3 years ago. Remember the value climbed significantly afterward. When the largest debt in the world and the vast majority of traded goods in the world are denominated in US Dollars, and the world's most forex-rich nations (China, South Korea, India) hold over $2 trillion in USD (and intend to keep its value high as they need this reserve to spend), it must be understood that the USD will have a high value in the medium term (and likely the long term as we know it). For a firm exporting its goods or services from a different country into the US, it was (as it always has been) much more advantageous to keep its earnings in USD within the US or in a tax haven. Instead many of these small scale businesses converted USD into local currency, then bought USD derivatives which saw their value trough out and peak in succession. When they troughed out these companies had their contracts cancelled and suffered a great loss of value in their wealth. When they peaked they no longer had those derivatives in hand and thereby could not get any of this value back. The financial institutions which underwrote those derivatives laughed all the way to the bank. The underlying asset- in this case the USD- proved far more reliable than its own derivative.

I believe in the future (and now) the investors who reap profits will be the ones who abide by Benjamin Graham's principles of 'real need' and 'understanding the business' in which you invest. Gold may have been somewhat stable. But in the absence of real need gold is about as wobbly a deck of cards as you can get. On the other hand watch out for artificial demand which inflates prices.

Friday, January 21, 2011

Climate Change in Chicago

Here is the historical climate date for Chicago, from over 100 years of data collection:

Climate data for Chicago (Midway Airport)

Month

Jan

Record high °F (°C)

67
(19.4)

Average high °F (°C)

30.7
(-0.72)

Average low °F (°C)

16.2
(-8.78)

Record low °F (°C)

−25
(-31.7)

Precipitation inches (mm)

1.95
(49.5)

Snowfall inches (cm)

12.9
(32.8)

Avg. precipitation days (≥ 0.01 in)

11.2

Avg. snowy days (≥ 0.1 in)

6.2

Sunshine hours

136.4

And here is the same for Moscow:

Climate data for Moscow (VVC) normals 1981–2010, records 1879–the present

Month

Jan

Record high °C (°F)

8.6
(47.5)

Average high °C (°F)

-4.1
(24.6)

Daily mean °C (°F)

-6.5
(20.3)

Average low °C (°F)

-9.1
(15.6)

Record low °C (°F)

−42.2
(-44)

Precipitation mm (inches)

52
(2.05)

% Humidity

83

Avg. rainy days

0.8

Avg. snowy days

18

Sunshine hours

33

Moscow, although in the same “humid continental climate” zone as Chicago, is colder by far, right?

Now compare today’s data for Chicago:

TODAY

Current conditions as of 11:51 AM CST

Fair

Feels Like: -18 °C

Barometer: 1,022.2 mb and falling

And compare this week’s forecast:

TODAY

TOMORROW

SUN

MON

TUE

6-10 DAY

http://l.yimg.com/a/lib/ywc/img/spacer.gif
Mostly Cloudy

http://l.yimg.com/a/lib/ywc/img/spacer.gif
Mostly Cloudy

http://l.yimg.com/a/lib/ywc/img/spacer.gif
Cloudy

http://l.yimg.com/a/lib/ywc/img/spacer.gif
Few Snow Showers

http://l.yimg.com/a/lib/ywc/img/spacer.gif
Partly Cloudy

Extended Forecast

High: -13°

Low: -15°

High: -7°

Low: -13°

High: -7°

Low: -12°

High: -4°

Low: -6°

High: -3°

Low: -8°


I’m so moving to Moscow!!!