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Welcome To Warrier's COLLAGE On Tuesday November 11, 2025 Friends One more unplanned random edition of Collage before you. Happy Birthday to all readers having Birthday in November 2025. Today, Birthday Wishes to YSP Thorat. Remembered, he used to say "eleven eleven". I've other reasons too, to remember November 11 🙏 Regards M G Warrier Quote* : "There is a tide in the affairs of men, which, taken at the flood, leads on to fortune; omitted, all the voyage of their life is bound in shallows and in miseries. On such a full sea are we now afloat; and we must take the current when it serves. Or lose our ventures." William Shakespeare in Julius Caesar. (Shared by C V Subbaraman, Mysuru) A Cover Story : Inspiration My review of "Finding My Way" @Amazon Inspiring by being example Reviewed in India on 8 November 2025 Format : Paperback I picked up "Finding My Way" by Malala Yousufzai just out of curiosity to know the present status o...

After the Government of Kerala came back once again with a positive statement on development, the focus has shifted to the poor. The positive outcome of the November 2 claim that Kerala has come out of abject poverty is that the poor are feeling that their status need not be permanent. They have a right to come out of poverty. In this context the question raised by 51 year old Manu who is also from Kerala (and I wish and pray his generation lives to see a Poverty -free world 🙏) becomes relevant : "WHY THE POOR DON'T KILL US" My friend K N Rajan introduced this book in our WhatsApp Group. Ordered a copy of the book from Amazon. https://amzn.in/d/4BEjDf1 Was feeling lazy to put together a response. Unconnected thoughts were making a Tsunami of sorts in the mind after reading the summary of the book* published by Manu who's just days elder to my son Kiran. Proud of his generation. Google searched CSR/M G Warrier. Got enough material to write another article ...

Welcome To Warrier's COLLAGE On Sunday November 2, 2025 Friends This edition of Collage was not planned. Until 6 45 a m on Thursday when I was reading "Band of Survivors" by John Rosengren (Reader's Digest, July 2024). 15 month old RD was picked up for random reading that day from my accumulation of material kept for future reading. Not necessarily by me! Regards M G Warrier A Cover Story Band of Survivors https://youtu.be/NV7g1f4job0?si=f3WdnRdYiXAqIpbu We have come across several survival stories in the past. In our own life or in the life of one of the near and dear ones, we have seen crossroads which gave way to will power or modern medicine. Here the story talks about someone who walked into his nineties after facing dead ends several times from his childhood. Meanwhile, all through, he kept his passion for music live and is on the stage attracting crowd, dancing, performing and telling his story, as if he is just an eye witness. Saul Dreier, born...

Keralappiravi Day, November 1 Good Morning Excerpts from Warrier's Collage, November 2, 2025 1) Report from Kerala on the eve of Keralappiravi Day, 2025 https://youtu.be/QqytBq3mH_c?si=sVa1D0msLfm-oWLe 2) Ten years ago, I posted this message at my blog : https://share.google/IiMeMELRrzFAWNiHy

Welcome To Warrier's COLLAGE On Wednesday October 22, 2025 Friends Hope you all have celebrated Diwali 2025 in a befitting manner. Collage wishes a happy and prosperous year ahead 🎈. All indicators are positive. Regards M G Warrier A Cover Story https://www.google.com/search?q=mg+warrier+on+gold+management&ie=UTF-8&oe=UTF-8&hl=en-in&client=safari B Media Response I The Hindu Business Line October 17, 2025 Letters PSB Consolidation* This refers to the letter about "Bank consolidation" (October 17). The concerns expressed are genuine. And naturally this will give ammunition to the permanent lobby waiting to show government initiatives in bad light, for whatever reason. Post-nationalisation, PSB consolidation should have been given top priority, for the same reasons adduced in the letter. But for various reasons, it got delayed and only now GOI is coming out with a rational reorganization plan. Earlier initiatives were half-hear...

Welcome To Warrier's COLLAGE On Sunday October 12, 2025 This is part of my efforts to restore weekly edition of Collage in a shorter format. Regards M G Warrier A Collage Books The Difficulty of Being Good By Gurucharan Das https://amzn.in/d/aMklWzR Amazon Introduction Why should we be good? How should we be good? And how might we more deeply understand the moral and ethical failings--splashed across today's headlines--that have not only destroyed individual lives but caused widespread calamity as well, bringing communities, nations, and indeed the global economy to the brink of collapse? In The Difficulty of Being Good, Gurcharan Das seeks answers to these questions in an unlikely source: the 2,000 year-old Sanskrit epic, Mahabharata. A sprawling, witty, ironic, and delightful poem, the Mahabharata is obsessed with the elusive notion of dharma--in essence, doing the right thing. When a hero does something wrong in a Greek epic, he wastes little time on self-ref...

A poem shared by C V Subbaraman, Ex-RBI, 90 plus, Mysuru : Inside my small apartment, in a groove; I travel not beyond my living room Kitchen or the not-far-away bedroom. Where hath that all my past agility gone? And how is this disability born? Unseen and unannounced they come or go, In the silence of nights without ado! But the days continue to remain bright The nights continue to demand more light Birds continue to fly and dogs to bark, Past remains distant, future remains dark. I care no longer to know who am I Or when, where I shall be gone, low or high; Life will go on, as the world moves on too, Smoothly or otherwise, as one’s thoughts do. Present is sure the only lovely time To live and enjoy life in all its rhyme. Subbaraman 27 September 2025

The poem "Instagramam" by Reshmy Warrier included in her latest collection "Unapologetic" concludes with this lament : "We are transfixed, Selling our wares, selling ourselves, Maybe, Instagramam isn't a place we enter, Probably it's a bug lodged in our mind, Playing us over and over." "Unapologetic" is available online @Amazon : https://amzn.in/d/g9yP4UB The poet has given the following note on the poem : "A sharp critique of modern social media culture, this satirical piece exposes the commodification of attention online. Portraying Instagram as a dystopian marketplace, the poem imagines humans caged within neon-lit colours, fighting for shelf space and eyeballs. The absurd escalation highlights performative behaviour, while the final line ("Probably it's a bug lodged in our mind") suggests addiction and entrapment. Readers are invited to reflect on how social media shapes identify and values, and is an endless ho...

Sustained Effort : The True Path To Success By Sivakumar Sundaram* The subject of work—How much? How long? To what end? At what cost?—has been doing the rounds for a while now. While there are multiple sides to every story, the scriptures are clear that hard work, discipline, and perseverance form the cornerstone of personal and societal growth and work best when aligned. This philosophy emphasises that success, however one defines it, is earned through consistent effort and virtuous action. Chanakya Neeti, the classic treatise on governance and statecraft, highlights the responsibility of both rulers and householders to diligently work for the welfare of their domains. A notable verse states : Raja rashtrakrtam papam rajah papam purohitah / bharta ca strikrtam papam sisyapapam gurustatha — king bears sins of the nation, priest bears sins of the king, husband bears sins of wife, and teacher bears sins of disciple. This verse underscores the cascading nature of responsibilities—fro...

Welcome To Warrier's COLLAGE On Thiruvonam, 2025 Friends HAPPY ONAM Happy Birthday to all readers having Birthday during September 2025. Collage in this format is reappearing after a short break. Read & respond, as always. Thanks 🙏 and Regards M G Warrier A Onam 2025 Date, History & Significance Explained https://share.google/G05rYpDEwAzQDA8Vm Onam Song (Malayalam) https://youtu.be/dCIp3EyM_LU?si=vL8iAbRk5ZF36-zM B Collage Books 1) Just released : Unapologetic 💌✨ It’s here. My daughter Reshmy Warrier's 4th book : Unapologetic : Poems That Speak From the Heart, is out! This collection is raw, tender, and fiercely honest. Available now in paperback on Amazon. https://www.amazon.in/dp/B0FPGC18L5 Read & write a review! Thanks! 2) From my bookshelf Banking, Reforms & Corruption is available in eBook format titled "Chasing Inclusive Growth" https://amzn.in/d/brc4Hec C Story* that touched my heart (*Shared by R Jayakumar, Ex-RBI)...

Ganapathy Festival 2025 We learn new things from every experience. Festival is no exception. Every year, during the Ganapathy Festival, new dimensions of the content and context of the social event come to our mind. I'm reading the Ganapathy Atharva Shirsha mentioned here for the first time today : Ganapati Atharvashirsha (Ganapati Upanishad) - In sanskrit with meaning https://share.google/ILJdzpGiSTJrKy4Ms If you have not come across this, also known as Ganapathy Upanishad, I suggest, please open the above link. Knowing more may not solve our problems 🙏 Still, the awareness that we are part of the whole, or the diverse universe is just a passing scene, which will also pass, perhaps can give some comfort from the fears and anxieties we nurture. M G Warrier

Art of Reading The way you read decides the way you live. There is a short article "The way of reading" today published in The Hindu Open Page. The article gives insight into the art of selective reading. Many of us didn't get opportunity to know more about the different dimensions of reading. For example, we read lessons from a text book while preparing for an exam, a random page from a book while scanning books from the library shelves, board meeting papers as a shareholder or as a member on the board of directors, an article from a magazine and so on with different levels of concentration and allotment of time. Here the allocation of time and selection of material to read depend on availability of time and an intuitive feeling about the attention the content deserves. Suppose we had professional advice on time management and selection of content to read in this situation. We will be saving a lot of time which can be productively deployed in other areas. Think about i...

An edited version of the following short article appears on pages 196/7 of my 2023 book "Open Book of Happy Memories" Sharing on the Senior Citizen Day, 2025 : M G Warrier Last quarter M G Warrier Call it last quarter or last peg or last leg or whatever. Dr N Gopalakrishnan used to repeatedly say in most of his discourses that "None of us were here this day of last Century, none of us will be there on this day of next Century..." After telling us a lot Gopalakrishnan left this world somewhat early. Nothing works according to our plans in life. But that awareness should not stop us from planning. Even when not a single train was running on time, we had Railway Timetables. Before marriage, I had planned retirement at 50, hoping to live upto 70 years. I retired at 59 and now I am 79. Luck has been with me like an angel. I'm aware you can't trust luck, nor can we inherit or transfer luck. Yes, we were talking about life. One thing I have learnt in life is ...

Welcome To Warrier's COLLAGE On Friday August 15, 2025 Friends Happy Independence Day 2025. Only a few days back I said "Collage in this format is taking a short break". Of late, planning doesn't work the way it worked a decade ago. If I ask my grandson Vihaan why things are not in control, he may tell me, "Thum boodha ho gaya... Pahale jaisa mat socho!" He is right. No, I am not going to translate for you. Just for clarity, the immediate reason for this edition of Collage is the 20th Anniversary Celebrations of the Kochi RBI Retirees Association. See Cover Story Nice Day M G Warrier A Cover Story : https://www.youtube.com/live/YBJ22Wmjk54?feature=shared 👍🙏 Great initiative. Remembering the "Elder's Village" and KGK Pillai Sir's Prathyasa, which started as a manuscript monthly magazine 🙏 My writeup on Elder's Village copied below : ELDER'S VILLAGE* By M G Warrier Elders Village which is a residential colony (f...

This day(August 9), that year (1944) something special happened in a single room outhouse close to my ancestral house (Manakkal) located in a remote village called Onchiyam in the then Malabar District of Madras Province. Below is a link to my write up recalling the event published during the pandemic (2019-20) : My Journey So Far: Prologue https://share.google/bDPZyq47T9cxqhJZg Excerpts : I was born past midnight on Tuesday, August 8, 1944, to be exact at 0015 hrs on Wednesday, August 9, 1944. Place of birth was a small outhouse, adjacent to our maternal ancestral house in Malabar. After the birth of my 3 sisters between 1926 and 1939, the arrival of a male child was an occasion for celebration in the family. Frankly, last 81 years, for me it was a mixed bag of happy and not so happy experiences, the former more than compensating the latter. Select Happy Memories have been included in my 2023 book "Open Book Of Happy Memories" : Open Book of Happy Memories : ( and O...

Welcome To Warrier's COLLAGE On Thursday July 31, 2025 Friends Happy Birthday to all readers having Birthday during August 2025. Collage in this format is taking a short break. Nice Day M G Warrier A Cover Story By Reshmy Warrier https://medium.com/@reshmywarrier/a-monk-and-a-prisoner-83f90133cb01 Excerpts : "A Monk and A Prisoner Reshmy Warrier Reshmy Warrier A reflection on freedom, constraint, and the choices that shape who we really are. Today, I chanced upon a strange thought. What really differentiates a monk and a prisoner? Mind you, this is not an attempt to invade religious sanctums or to trivialize the justice system. It’s simply a quiet reflection. What lies at the intersection of a monk and a prisoner’s lives? simple food, contained communal living, rules, routines, chores, limited freedom From an architectural or lifestyle perspective, the parallels are… almost eerily similar. But the key difference is Choice". B Collage Dance Mess...

Welcome To Warrier's COLLAGE On Sunday July 27, 2025 Friends Happy Birthday to all readers having Birthday during this week. Nice Day M G Warrier A Spirituality Many of us are confused about the relevance of philosophy, spirituality, religion and ethics in the WhatsApp/Google/DOLLAR dominated world. Some of us try to translate every thought into the scientific, religious or political language and attribute one or the other motive even before a debate is initiated. To take a diversion, this morning I picked up Isavasyopanishad and read the Sanskrit verses and the English meaning. For me the feeling was one of spending few minutes with a wise man. The Isha Upanishad's core message revolves around the interconnectedness of all things and the presence of the divine within and without. It emphasizes the unity of the individual self (Atman) and the ultimate reality (Brahman), urging practitioners to see the divine in all beings and all beings in the divine. The Upanisha...

Me and Number 27 Here are some stanzas @27 conveying similar meanings : Soundarya Lahari - Verse 27 https://share.google/6rsZVnTeghHtKs0qK Bhagavad Gita As It Is, 9.27: The Most Confidential Knowledge, Text 27. https://share.google/gniUs4oK05xeh96IA Stanza 27 of Shivanandalahari By Shankaracharya : Karasthe hemadrou Gireesha nikatasthe dhana pathou, Gruhasthe sarvabujamara surabhi chinthamanir gane, Shirasthe sheetamsau charana yugalsthe akhila shubha, Kamartha dasyoham bhavathu bhavadarthe mama mana. 27 In your hands is the Golden mountain, Near you is the Lord of Riches, In your house is the wish giving tree, The Cow which grants everything, The precious stone fulfilling , Any wish that enters your mind, And such many others, On your head is the moon with cool rays, And all the good in the world is always on your feet, And so what can slave offer you my Lord, Except my mind which can be given as the offering.

Speaking Tree (Economic Times, July 17, 2025) Solitude & Loneliness One need not agree with all the views aired in pieces like this. But, many of us skip such articles assuming that "this is not my cup of tea". Writers like Narayani Ganesh read and remember a lot, before putting together pieces like this. It's for us to take advantage of the balanced dish served on our table. In this column today (Speaking Tree, ET, July 17, 2025), the writer observes loneliness from different angles and digs out different perspectives of different people across time zones. When we read, what gets our attention will depend on our mood while reading and our journey so far. In my case, my thoughts wandered around my personal experience as a loner and spells of absolute loneliness I've experienced in crowds (to borrow the theme of the title of MT Vasudevan Nair's book "Aalkkoottathil Thaniye"(Alone in The Crowd). During my childhood, due to circumstances beyond our...

A piece of history* Rattanbai Petit, the wife of Muhammad Ali Jinnah Rattanbai Petit, the wife of Muhammad Ali Jinnah, the leader behind the Pakistan Movement, was a Parsi from an aristocratic family in Bombay, with there being a 24-year age gap between the couple. She is buried in Mumbai and her descendants, the Wadias (through their daughter Dina) live in India. Rattanbai Petit (often informally called "Ruttie") was born on 20 February 1900 in Bombay, Bombay Presidency, British India, into the extremely affluent and well-connected Petit family that belonged to the Parsi community. She was the only daughter of the businessman Sir Dinshaw Petit, the second baronet Petit, and his wife Lady Dinabai Petit. Her paternal grandfather, Dinshaw Maneckji Petit, the first baronet, had built some of the earliest cotton mills in India. He was also a philanthropist who aided the Zoroastrians of Iran who were persecuted by the Qajars. Her brother, Fali, who later became Sir Dinshaw...

Welcome To Warrier's COLLAGE On Sunday July 6, 2025 Friends Happy Birthday to all readers having Birthday during this week. Nice Day M G Warrier A The XIV Dalai Lama The XIV Dalai Lama can be a case study in facing life's challenges. His is perhaps a miraculous survival story. Don't know what divine powers or spiritual ancestral background or his own will power helped him in travelling through the paths he created for himself bypassing several dead ends. He keeps smiling. He's able to tease bearded celebrities by pulling their beard in public and get away unhurt! Narayani Ganesh tells us* that Shanti Deva's "A Guide to the Bodhisattva Way of Life" is his favourite book. I have today ordered a copy of the book which has just 100 plus pages. I loved Lama's assertion that "If a problem is fixable, if a situation is such that you can do something about it, then there's no need to worry. If it's not fixable, then there's no help...

Welcome To Warrier's COLLAGE On Tuesday June 24, 2025 Friends Happy Birthday to all readers having Birthday during this week. Nice Day M G Warrier Cover Story Origins digged out* Strange but True: 1. In the 1400s a law was set forth in England that a man was allowed to beat his wife with a stick no thicker than his thumb. Hence we have 'the rule of thumb.' 2. Many years ago in Scotland , a new game was invented. It was ruled 'Gentlemen Only... Ladies Forbidden'... and thus the word GOLF entered into the English language. 3. Each king in a deck of playing cards represents a great king from history: Spades - King David, Hearts - Charlemagne, Clubs -Alexander the Great, Diamonds - Julius Caesar 4. In Shakespeare's time, mattresses were secured on bed frames by ropes. When you pulled on the ropes the mattress tightened, making the bed firmer to sleep on. Hence the phrase......... 'goodnight, sleep tight.' 5. It was the accepted practice in ...

Takeover by TATA was the best thing that could have happened to Air India in a worst phase in the Airline's existence. It will take a long time for Air India to recover from the shock of the present tragedy. Tatas can and will come out of the crisis sooner than most of us think...🙏

Welcome To Warrier's COLLAGE On Sunday June 15, 2025 Friends Happy Birthday to all readers having Birthday during this week. Nice Day M G Warrier A Cover Story : Silence, Please By Vathsala Jayaraman, Chennai "Guide : I welcome you all to the Niagara Falls.. These are the world's largest waterfalls, the sound intensity of the waterfall is so high, even 20 supersonic planes passing by can't be heard. Now I request the Indian ladies to keep quiet, so that we can hear the Niagara Falls...!!!" For the past two months all the Hindu temples have been celebrating their annual festivals, all noise and noise alone. AADI MONTH INTENDED FOR AMMAN FESTIVALS IS FAST APPROACHING. Our house is surrounded by 4 Amman temples on all the 4 sides. AADI WILL ARRIVE WITH NOISE nothing but NOISE. While the entire world is against noise pollution and the feasibility of low decibles, we wonder how the loud noisy tradition was being encouraged by elders and organisers o...

Surprise Gift 🎁 I participated in a Seven Days Art of Living Basic Course (Sri Sri Ravishankar) some 20 years ago. On the last day of the program, the Course Coordinator asked each participant to answer this question : "Where you will live, once you leave this planet?" Participants were not allowed to share ideas. My answer was : "In whatever remains of my work, good, bad or ugly and in the memories of those who interact with me when I walked here" Remembered this reading Dr Lakshmanan's response on receipt of my book "Open Book of Happy Memories". These are some moments when we forget our regrets about our overstay here. https://youtu.be/nNuLDuPA31E?si=5lsC8hlwtZNTq7F3 Copied below is the content page of my 2023 book. M G Warrier Contents Foreword Chapters 1. A 2021 Housewarming and Some Memories . . . . . . . . . . . . . . . . . . . . . 9 2. The Missing Krishnamani . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11 ...

Welcome To Warrier's COLLAGE On Sunday June 8, 2025 Friends As you have rightly noticed, Collage has become irregular in its frequency and unpredictable in content. Still, believe me, there are a few who are looking forward to the next issue. That keeps the Collage going. Happy Birthday to all readers having birthday during this week. M G Warrier A Cover Story Newspaper : M G Warrier I belong to a generation which depended on newspapers for reliable news and the neighborhood gossips for news around. Went through a short period without newspapers during the pandemic. Newspapers are still around. They may survive till a mad man becomes greedy and starts imposing huge tariffs on newsprint foolishly believing that he can save the sinking ship by creating more revenue instead of producing something marketable at home. Once upon a time, the newspaper boy who came on cycle and the ringing of the bell on the cycle early in the morning was the morning alarm for some. Recently I...