Going Antisocial with an Unsmart Phone

(Note: This is the edited version of my recent Facebook rant)

It’s more than a month since I went antisocial with my phone! Yes, I decided to break free from the social pressures caused by the phone and this decision was primarily triggered by the misuse of an old smartphone recently provided to my now-teen-son who obviously tried to emulate his parents in terms of the best practices of using a smartphone!

In a sudden attempt to set the right example to him (and prove to the immediate world around as well) I, the self proclaimed role model of my son, uninstalled WhatsApp and Twitter apps in quick succession and then removed Facebook & Google Plus accounts from the phone. This was followed by disabling notifications from all apps except email and text messaging which are like bare necessities for the time being. The phone is now used for basic telephony, text messaging and voluntary reading of news via some apps alone! Of course, there is occasional use of maps, camera, portfolio apps, fitness assistants and web browser – all at will – and hence it’s not competely an Unsmart phone yet.

After the initial phase of violent withdrawal symptoms, I must say that the life is coming back to normalcy and very peaceful right now with no urge to stare at the phone all the time or keep swiping on the screen without any particular intent. However, there is both good and bad attached to drastic decisions such as quitting social apps, under-utilizing the phone and turning the clock back by a few years.

The following are some of the positives that I already see by getting rid of social apps and unwanted alerts on my phone.

(+) Suddenly, I am no more hiding from the co-passengers in the lift with the help of the big smartie and even better – I am able to establish eye contacts with them and even smile at them. Wow! I am still social in real life too.

(+) No more weird movement of my index finger along the imaginary unlock pattern of the phone which used to happen earlier even when the phone was not in hand. This symptom was more like those cricket addicted kids doing an imaginary Rahul Dravid style front foot defense with the full-face blade, at an imaginary ball delivered at them. If the phone was in hand, the indication was primarily a sequence of unlocking the phone, swiping the home screens / launching any app, and then locking the phone.

i.e.

while (awake) {
/* for no particular reason */
   thePhone.unlock();
   thePhone.swipe();
   thePhone.lock();
}

(+) Better interaction with the family while at home or away in an eatery, event or outing. The focus changes back to enjoying the moment than capturing and sharing the moment immediately to get likes from the ones who matter less.

(+) There is no more grinning at the phone or romancing with it which used to happen earlier in public places or even while driving. Now, you are more alert without a smart phone!

(+) Not much contribution to those crowd-sourced apps that make money by fooling you into them – Not as many posts, reviews or comments while on the move and such actions, if at all necessary, happens only on the desktop or laptop.

(+) Your Internet bandwidth usage is reduced drastically with some meaningless media/videos (rated ones too) getting out of the way.

(+) Better judgement and ability to distinguish between necessity and nice-to-have things in life. Now, usage of the social media is back in the desktop world alone and hence there’s a fixed time for doing that. Further, no insomnia caused by the connected phone!

(+) Suddenly, the three year old phone seems to perform like a server! Wow, now I don’t need to support China’s economy every three years (every few months for many?) or live with their plastic dumping terrorism.

(+) No more selfies. I was never a selfie fan but I must confess that I might have taken about half a dozen in my whole life. With no immediate sharing possibility, there is no urge to capture even those rare selfies. This may also result in huge savings in the future as there’s no need to procure those Sergei  Bubka like selfie accessories.

Having said all those, I realize that there are some drawbacks as well when you suddenly decide to go against the social flow…

(-) Firstly, you are a friend or relative to someone only as long as you are connected to them socially on these apps. To be frank, I didn’t receive any wish from anybody during this Onam – via call, text message or in person – because I am no more connected and the Onam was celebrated primarily on WhatsApp. Of course, there were many Facebook wishes similar to radio broadcasts which I reciprocated with my ‘likes’. Being antisocial by choice, I coped with it in no time.

(-) You may miss some focused groups that stood for a specific, meaningful purpose. As a matter of fact, two or three WhatsApp groups out of a dozen that I had, before calling it quits, were really useful.

(-) Your decision to reduce mobile usage is effective only if your dear ones and your connected circle take similar actions. It’s sad to see a driver, typically a husband, toiling through the Bangalore traffic while the insensitive ones – typically a wife, teenage kids or colleagues in a pool – in the car contributing heavily to WhatsApp and Facebook traffic through out the journey.

(-) You are perceived uncool and outdated! Your teenager kid might even try to educate you on topics like ‘what is a mobile app?’ or ‘what is meant by software?’. And at times, it is virtually impossible to convince an adventurous youngster friend that some of us – the Software Industry veterans – had actually worked on the first generation mobile applications at a time when many of them were still in their diapers…

and finally…

(-) You don’t get to play an Arnab Goswamy by breaking a news on your favorite WhatsApp group! Now, that’s a tragedy as you lose the chance to play a hero fighting against all injustice in this world. Well, perhaps one can compensate that with some more detailed analysis on desktop social media…

– Yours Truly ‘Antisocial’

(PS: My sincere apologies to those who weren’t informed about quitting my past cool life)

Gold Jewellery Buying Tips: Wastage Charges, Making Charges, VA, Karat, 916 and more…

Planning to buy some Gold jewellery in India and confused about how the whole thing works? Well, I was equally puzzled by all those terminologies and promises that you get to hear in Jewellery shop commercials until I decided to dig out some information.

So here’re some tips and education that might help you in the future.

What is Karat, 916, BIS Hallmark etc?

Karat (NOT Carat) is a measure of the purity of gold. 24 carat is considered pure gold.

Since pure gold is too soft (and hence would easily bend) to make any jewellery out of it, there has to be certain other metals such as copper, silver, cadmium etc added to make it strong, shine and with the desired shade. Based on how much extra metals are added, the Karat value of the gold reduces to 22Kt, 18Kt, 14Kt or even 10Kt.

For example, 18K gold is 75% pure gold (i.e. 18/24) where as 14K gold has only 58% real gold in it.

In India, 22K gold is considered the most valuable for jewelries and hence it has more resale value as well. 22Kt gold jewellery means it has 22/24 percent pure gold in it or in other words 91.6% purity.

And this is what is called 916 gold (symbolizes 91.6%).

BIS Hallmark Symbol
BIS Hallmark Symbol
In order to make sure that the jewellers actually sell 91.6% pure gold (when they claim to sell 22Kt gold), the Bureau of Indian Standards (BIS) made it mandatory to emboss a hallmark on all standardized gold jewellery. And such a jewellery is known as a BIS Hallmark jewellery. Before this standardization, many jewellers and goldsmiths used to cheat people with below 22Kt gold while they claimed to sell good quality 22K gold. I figured this out while selling some old gold jewellery recently.

[BIS Hallmark is NOT just for 22Kt gold. You may take a look at the BIS site for all BIS components]

Making Charges, Gold Wastage charges etc

As I mentioned earlier, there has to be certain metals added to pure gold to make it tough and good enough to make jewellery. This is the first level of added cost to the making process followed by the actual making charges to convert the gold bars or blocks into beautiful jewellery patterns.

The making charges (‘Panikkooli’ for Malayali friends) is the cost of converting raw gold into jewellery. This is usually expressed in Rupees per gram of gold. In most cases, the making charges per gram of gold vary from 25 to 35 rupees. Compared to the price of gold today, this is a negligible number.

However, there is another scary number called the ‘wastage charges’ (‘Panikkuravu’ as Keralites call it). In the good old times, the goldsmiths used to make gold jewellery by melting gold, cutting and shaping it into tiny pieces and join them together to make great handmade gold jewellery. In this process they ‘claimed’ that certain quantity of gold go wasted though these goldsmiths are actually smart enough to collect or retrieve most of the gold without wasting any. Nowadays, the gold ornaments are made in advanced machines and nothing really go wasted. However, this tradition of calculating ‘wastage’ continues and this is expressed in terms of ‘percentage’and they charge that to the customers.

The amount charged to the customers for the ‘wastage’ caused is known as the ‘wastage charges’. It’s quite ridiculous that there’s no norm for this wastage charge component and that’s exactly where your jeweller cheats you. The wastage charges typically vary from 10% to 18% in most shops while it’s quite possible to have it as high as 20% or 24% or even as low as 8%. Unfortunately, nobody knows why certain ornaments has to have more wastage than some others as claimed by the jeweller.

Hence the actual cost burden on you while purchasing gold jewellery is:

Actual cost of gold as per the day’s rate + Wastage charges + Making Charges + VAT if any. In addition, if your jewellery has any precious stones, that cost will be added up as well.

Cost of Gold Jewellery = Making Charges + Wastage Charges + Cost of Stones, if any + VAT

For example, assume that the gold rate is at Rs.2500/- per gram for 22 Karat gold. When you buy a 10 gram gold chain with the making charges at 35 rupees per gram and wastage charges at 12%, the following will be the calculation to arrive at the final price:

(1) Cost of gold alone = 10 * 2500 = 25,000/-

(2) Making charges = 10 * 35 = 350/-

(3) Wastage charges = 12 * 25,000 / 100 = 3,000/-

The total cost before VAT = 28,350/-

If the VAT is at 1% that becomes 28,633.50/-

Recently the jewellers have started representing the Wastage Charges and Making charges together as VA or ‘Value Addition’.

Gold Jewellery buying tips for Indians

As a smart buyer, you may keep the following things in mind when you deal with jewellery shops.

  • First, if you are exchanging gold (selling old ornaments and buying new) make sure that you are getting the full price of what you are selling. i.e. As long as you are selling 22K gold, the shop may not reduce any price but give you the actual market price of the 22K gold by its weight. There are some jewellers who charge melting charges, handling charges or whatever they may call it but never ever fall into that trap
  • Each and every piece has to be weighed separately and tested for purity using the electronic purity tester while selling. i.e. if you have a pair of ear rings, test them separately
  • Ask for the current gold price on your purchase day and their standard making charges before commencing your shopping
  • Check for the BIS hallmark on the inner or back side of each of the pieces you are buying
  • Ask for the ‘wastage charges’ for each of the pieces that you are picking and be prepared for the negotiation
  • You may start by asking the ‘BEST wastage charge’ as per the salesman. Negotiate with him and tell him that you are serious about the purchase if he’s forthcoming in terms of a reduced rate. He will mostly give one percent less. Take it to the store manager or supervisor at the next level to get 2-3% negotiation done. You WILL definitely get 2-3% discount if you are making bigger purchases. If you are gone there just to pick a little 2gm earring or so, you better not negotiate much. But if you are on wedding or engagement shopping, you may save a lot by negotiating


Further tips:
There may be some sales people who may try to belittle you on your miserliness and even might raise their voice. You may remind such people that you know this business and it’s your money that is at stake. Further, you may ask them why there’s no norm for this so-called wastage charges (Hopefully at some point the government will normalize this as well).

Most jewellers may offer you a discount of 40 or 50 rupees per gram on the prevailing rate as if they are doing you a great favour. Please note that your REAL saving comes from the wastage charge negotiation. The ‘special discount valid only for today’, or ‘pick a chit and get your lucky discount’ etc are the gimmicks that they play to preempt further negotiation. Don’t fall for those tricks.

You may advise your respective wives to stop exchanging jewellery too often. Because, every time you exchange, all those value addition charges come into play and you lose a lot of money.

If investment is your goal, avoid buying jewellery but go for gold coins or even Exchange Traded Funds on Gold (ETF Gold Funds).

That’s pretty much for now. I just thought of jotting down these points after coming back from a minor purchase at Chemmanur Jewellers – not that I was hugely successful in negotiating this time. But I have certainly seen my relatives, in-laws, friends etc negotiating big time and making a huge difference in the final bill.