A few days back I did the ‘Avani Aavittam’ – this is an annual ritual of changing your ‘sacred thread’ (called Janaiv in Hindi and Poonal in Tamil Nadu and Kerala).

On the morning of the Avani Aavittam, you apologise for not doing your karmas. Normally you do not do your duty in life properly because of 2 things – anger and lust. So you do 1008 auto suggestions effectively saying ‘Kamo aakarsheet’ and Manyu aakersheet – I got distracted because of anger and lust, so hey God please forgive me…

Just after that it is a big round of apologies for everything under the sun -intended or unintended…it is amazing. And after that it is Thanksgiving – to the Rishis, to the Mountains, to the Rivers, Upanishads, sciences (including astrology)….and in a few days time all my Jain friends will start calling me…for saying ‘Michaami Dukaddam…’ Here read on..

When you grow up in Ghatkopar and live there for 3/4ths of your life, most friends tend to be Jains.  So over the next few days a lot of them will call me to say ‘Michhami Dukkadam’.

And as is wont, I will repeat it. I am communicating far, far more on my blog than through my other daily interactions or even through lectures.

I hate, hate, hate hurting people – knowingly or unknowingly. However I do hurt people.

So here is my apology to all Marxists, Socialists, Capitalists, Democrats, Republicans, Congress (no not Baboons), BJP loyalists, all Ayn Rand devotees (I used to be a fan, never became a devotee), all fans of indexing (does not work in India), all regulators (does not work anywhere in the world), all financial education and inclusion bandwagon riders (yes there are about 84000 organisations doing it), all experts who come on television, all anchors, all personal finance writers who spew generalisations as personal finance planning, all the people reading my blog, all the people who click on the ads on my blog, all the people know ads should not be clicked, all the people who comment, all the people who think I edit comments, all the people who know I do not edit comments, to all the children who expect their parents to spend for their education, to all the parents who show off their wealth by blowing money on kids weddings – and the kids themselves do not want it, to all those who are not investing for retirement, to those who are hoping that their kids will take care of them in their old age, to those who do not plan for retirement thinking they will die young, to all those students whose MBA degree is getting them only low end jobs, to those colleges who are telling their students …well it is too boring is it not….so …..and every body else including Obama, helicopter Ben and their guru Alan Greenspan, why even Osama’s children.

And the innocent people around Osama who were killed by Obama’s men. Not a fan of Osama, but not a fan of Obama either.

So just to carry this a little further, Michhami Dukkadam to all of you….well Wikipedia says this is what it is:

Jai Jinendra On this auspicious occasion of Paryushan we wish you all Michhami Dukkadam!

We beg your forgiveness from inner of our hearts for whatever misdeeds or mis-behaviour whether knowingly or unknowingly occured by ourselves to you through mind, thoughts, actions or speech during the past year.

Michchhami Dukkadam on the occasion of Savantsari Maha Parve Kshamapana Sutra with Meaning

KHAAMEMI SAVVE JEEVA (I grant forgiveness to all living beings)

SAVVE JEEVA KHAMANTU ME (May all living beings grant me forgiveness)

METTI ME SAVVE BHUYESU (My friendship is with all living beings)

VAIRAM MAJHAM NA KENAI (My enemy is totally non-existent)

MICHHAMI DUKKADAM With best wishes and prayers for the well-being of all things living……! 


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  1. ….”all fans of indexing (does not work in India),” This is too much of a contradiction Subra.. 2 days ago, you posted in FB “People want all types of equity funds..why dont they just index and forget”. I will do what I want to do. However, which one should be believed as your stand as far as indexing is concerned? I know of people in our FB group, who take your every word very seriously (well, I am not one of them, have learnt better than that in these 3-4 yrs)

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