EMI – the entrepreneurship killer

“EMI hua kam tau ghoomne chale hum” – the SBI home loan ad which is running rampant during the IPL matches is an embarrassing testament to the state the new Indian generation is headed towards. The dream of owning a home some times changes one’s life to a level that we often wonder whether we are working just to pay our loans or worse, making money for the housing finance companies. The monster called EMI has grown so big that taking a family vacation has become an after thought despite of manifold growth in purchasing power of an average middle class family.

“Ghar ka EMI dene ke baad kuch bachta hai kya?” – how did we get to that state in the first place that we can’t afford anything else after our EMI  – Peer pressure? Our desires and dreams getting us to stretch ourselves? Risk taking attitude? Investment in an appreciating asset so you can have a pot of gold at the end if you sell it?

Oh wait a second…aren’t some of these attributes similar to what ticks an entrepreneur as well? Isn’t entrepreneurship about dreams and desires getting us to stretch ourselves, about taking risks, about that end state where you attain a pot of gold in the form of growth and success and in some cases through handsome exits?

So, does this mean there is an entrepreneur in each of us who is getting killed everyday because we chose to mortgage all those great entrepreneurship traits in one lock-in called “EMI”? This is food for thought for all the folks who have a spark somewhere in their belly for start-ups/entrepreneurship and feel stuck.

I have gone through this EMI experience myself only to realize that its not worth trading my start-up attributes with a home where I feel “house arrested” every day. I have chosen to nip it in the bud and not let it grow to be a monster that I may not be able to handle. As a happy renter for last 15 years, I would rather make owning a house an easy by-product, when I  build a successful start-up.

Life is short, there is never enough time to realize one’s dream. I have chosen to save my time. I have chosen to run savetime. Are you saving your time?

Mitesh Bohra, CEO & Co-founder

Mitesh is CEO, Co-founder at savetime.com. He has been working in the industry for over 16 years and this is his 3rd startup after InfoBeans and Infosignz. Mitesh is a BE in Electronics from India and has dual MBA from Columbia Business School, New York and Haas School of Business, UC Berkeley, California.

Solving Social Problems

One fine evening  siting in my cozy room, playing with my TV remote, jumping from channel to channel, suddenly one TV serial caught my  eye. It was “Second opinion” , it is about the tragic experiences people have in hospitals and clinics and how the wrong diagnosis or delay in treatment caused disasters to victims and a thought process started.

Everyday we watch on the news or read in newspapers about many people dying in road accidents or due to some dreadful diseases; even though the medical profession and pharmaceutical industry has advanced so much and we have medicines available for almost all diseases. I started thinking what might be the reason behind this and what can we do to control it. My train of thought resulted in this blog writeup.

Lack of education, hygiene and discipline in road traffic are the main reasons for the many lives we lose everyday on streets or in hospitals. Many people die in road accidents because they don’t get the medical attention in time. Now a days people hesitate to help, because they don’t want to disturb their normal routine. For them reaching office on time is more important than saving someones life! This reality makes me feel numb but the situation is not hopeless yet. There is still some humanity left, we just need to encourage more and more people to show it.

I don’t expect everyone to jump at the accident site or hospitals for help; though it is great idea, but even the tiniest of our every day deeds can help a great deal. For instance, while traveling always make way for an ambulance first, it may save a critical patient’s life.

I read a few days back about a group in Delhi which provides free medical treatment to poor people.

Likewise, we could buy medicines for some one who can not afford it. This reminds me of an episode from the Aamir Khan starter show “Satyamev  Jayate”. In this episode one gentleman shared his experience about how his maid’s son lost his life due to a very easily curable disease such as Diarrhea, simply because he did not receive medicine on time. This is very depressing and makes me wonder in which millennium are we living. On one hand we have reached the moon while on the other hand people die due to such mundane disease.

Then there are the donations a person can make. Blood donation is like an elixir for not only the receiver but it is also healthy for the donor. The more willing people pledge for important donations like eyes or other body organs after the death. Such pledges while being a small gesture in life, let you feel the joy of giving a new life to someone, even after you move on with the journey after life…

There are some situations like where your love and affection can do wonders that even medicines may not.  We can work with NGO’s which helps aids patients or their children, orphans, disable children. I am also trying to do something for  people who tested positive for HIV. For this I got inspired by my own family members. My father and my  younger sister work to help such people. For last five years my father is organizing AIDS awareness camps and my sister works for the “prabha-hira  pratishthan palavi pandharpur ” which is the home for  abandoned children’s tested positive for HIV. Your little help can also enlighten their lives.

And the list goes on… I hope this blog will make us all think about the current situation and doing something for this cause. Remember, even the tiniest of our every day deeds can help a great deal!

Abhijit AradhyeAbhijit is an .NET developer working for savetime.com. He did his MCS from Pune Universicity. He is very passionate about software design, Real world and how the two intersect. Love to learn new technologies. He is a passionate person who takes up responsibilities with utmost enthusiasm. He enjoys music, watching movies, selectively read books mostly written by P.L.Deshpande. He is very passionate about cricket.  He love’s swimming and Chess also.

Be Alert, Be Healthy!

Be Alert, Be Healthy!

There are very good lines on Doctor-Patient Relationship  Wikipedia page that says, The Doctor–Patient Relationship is central to the practice of healthcare and is essential for the delivery of high-quality health care in the diagnosis and treatment of disease. The doctor–patient relationship forms one of the foundations of contemporary medical ethics’. Isn’t it true? Sure, it is absolutely true but whatever is happening these days in my surrounding healthcare system is making me rethink the truthfulness of this statement.

In today’s world, the healthcare system appears seriously broken. We are losing faith in the Doctor-patient relationship thanks to malpractice and unprofessional behavior of some medical practitioners. In recent years in India, we have read so many stories of how some doctors commit fraud just to earn some extra money. This is a shameful issue for the noble profession of healing the sick. Also commission-based practice is growing rampant within the healthcare system.

Ultimately who is going to be affected by malpractice? It is the patient. The race for getting more money is making a very bad impact on patient’s health. There are some cases where patients ended up losing their life just because they consulted with the wrong doctor.

From the patient perspective, main problem here is that they are not able to find out whether they are going to right doctor or not. Sometimes they also don’t know the name of specialty for which they should actually look for. Apart from this, there is another major problem we have. There are many ‘bogus’ Doctors. It is a topic for another time since it involves too many legal, ethical  & social issues that surround the issue. Finding right (it does mean right & trusted) doctor in your area may be easier you if you are localized or know that area very well. But what about migrants or those who don’t have that much knowledge about that area? It is the biggest concern for their health. They will surely need some medium that can help them out in finding right doctor for them. Even if you are quite familiar with your area some times, you may need to know about which doctor to go to.

Savetime.com is an initiative to help people find the right doctor in a very efficient manner. The website maintains a fully verified database of doctors along with comprehensive information about them. So be alert about whom you are consulting for your precious health. Be alert, be healthy!

Ketan, savetime.comKetan is a passionate and one of the youngest members of our .NET team. One can always find him busy implementing the coolest and the wackiest ideas. He does not talk much but when it comes to speaking technology and inventions, he is unstoppable! He loves learning new things and loves to learn them fast!
Ketan has an engineering degree in Computer Science from University of Pune, India. Other than development, he loves to play chess, read books, watch cartoons & sci-fi movies.

How to Communicate Effectively with Your Doctor

Doctors today get very little time with patients to tease out every detail. Prepare carefully for meetings with doctors. Especially if you want to be sure your doctor has all the important information about your problems and has the necessary time to answer all your questions. Better communication between patients and doctors helps the doctor understand the patients condition thoroughly and leads to better treatment outcomes.

Whenever you are going to meet doctor think about what you want to accomplish. Make a list of what you want to talk about. If there are multiple issues, prioritize them. Don’t forget to carry your medical records, any charts, test reports and other important information with you.

Write your questions down to make the conversation easier and complete. It’s easy to think what you’re being told will sink in and you will remember, but the details can fade away quickly. Especially when there has been significant discussion. Rather than take a chance on missing something out write your notes down right after the discussion.

Your doctor is the person who should answer any of your medical questions. But other questions, such as directions to a testing center, or the time of your next appointment, or where you should park your car, can be asked of the clinic staff. This way you will make best use of the important medical aspects of your care.

One final recommendation is to repeat back to your doctor what you’ve understood and instructed to do. If you can recite back what you were told, it’s more likely that you understand and retain that information once you’re out of the office. Do all you can to remember doctor’s orders so that you can follow them as intended.

PramodPramod is an Android developer working for savetime.com. He did his MCA from Indira Gandhi College, Solapur. He is very passionate about coding standard, gorgeous design, and how the two intersect. Love to learn new technologies. He is a passionate, optimistic & dedicated person who takes up responsibilities with utmost enthusiasm and see to it that he completes tasks and assignments in time. He enjoys music, watching movies, selectively read books mostly fiction & fantasy– Angels & Demons, Narnia. He love’s swimming and kabaddi.

Health check ups at Companies, the Good & Bad.

We tend to ignore medical check ups when we have no illness thanks to our busy work schedules. Working the entire week, stretching out late nights at work, living in remote affordable localities are some of the reasons why we opt to relax over the weekend rather than going out and getting a medical check-up done. Being cautious is something that we always tend to ignore. Increasing competition in all industries is forcing companies to keep their doors open to customers 24*7. This creates the necessity of people working at nights. Changes like these in our normal lifestyle encourages health problems. It is only when there is an illness, we start looking for doctors and laboratories to get medical tests done and cure our health problems.

To overcome this ignorance, having regular health check ups in companies can help immensely. Regular check ups enable us to diagnose serious health ailments at an early stage, saving us from aliments and also the costs needed to cure the illness. For example, visiting a dentist need not be necessary only when you develop a cavity of for a root canal. It could be for just a gum check or cleaning of teeth. Bleeding gums while brushing, flossing or if you experience a persistent bad breath are early signs for bigger dental problems. If you sense a cavity, filling it early will save the amount on a root canal treatment. What you have avoided is a major dental problem and definitely the cost involved.

Most ailments requiring surgery do not occur overnight but build up over a period of time. In many cases such ailments can be detected early through regular check ups. You can save as much as 50% on healthcare costs with regular check-ups, exercise and balanced diet. The idea is to avoid severe health complications which could also take a toll on your physical well-being as well as financial health.

Our lifestyle and food habits have a significant impact on our body and health. Some of the most common aliments that affect people are blood pressure, diabetes, hypertension, obesity and so on. Getting these check ups done on a regular basis will help diagnosing such problems at an early curable stage. Getting them done in companies ensures that employees do not neglect these important regular checks needed. “Health is wealth” is a good saying that we all know. Good health of employees ensures good productivity which in turn ensures the company’s productivity and success.

Unfortunately, given the broken health care system we end up paying hefty amounts to some doctors who prescribe unnecessary medicines, tests and even suggest operations which are not required. This causes tensions and burns our pockets for no reason. Companies organizing regular health check-ups by recognized and trustworthy doctors, clinics and hospitals can prove beneficial to its employees. It will create an awareness among people about it’s importance, help them to remain fit, diagnose health problems at an early stage and make sure that we follow the saying, “Prevention is better than cure”.

Ravi, savetime.com

Ravi is a young passionate, optimistic and dedicated IT engineer and an ISTQB Certified Software Testing professional. Ravikishan takes up responsibilities with utmost enthusiasm. He is always willing to walk an extra mile to achieve his targets with an immense amount of perseverance to fulfill his dreams. He loves adventure travel, listening to soft music and playing football.