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The rise of Buy now pay later schemes (BNPL)

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 The rise of Buy now pay later schemes (BNPL) I try to buy £80 pounds worth of groceries at the local Tescos. On a usual, I would have to spend take the £80 pounds out of my account and pay right there and then. Yet, with services such as Klarna, I can now pay in 4 installments of £20 pounds over 4 weeks. The extra £60: I can just spend this on a potential day out with the lads instead. This is buy now pay later, and Im sure you can already see the dangers of such a scheme. There are a couple questions I have approaching the topic. Is this going to cause an asset bubble? What happens if multiple people are unable to pay back loans to the companies (defaults)? The industry is essentially an alternative of credit cards. Klarna is a widely used BNPL service in the UK and US, letting customers pay in three installments, within 30 days, or via longer-term financing. Clearpay splits payments into four interest-free installments over six weeks, while Zilch offers flexible, zero-interest p...

Day 1 of locking in with Hinduism- The Vedas and Dharma overview

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Good Morning. What are the vedas? Scriptures, some of the older ones. They are revealed by the gods themselves and hence why are called the Srutis. They were memorised by sages called "rishis" who wrote them down.  They are divided into 4 parts: 1. Rigveda- the earliest one. "God is one, men call him by various names" - Rigveda. 2. Samaveda 3. Yajirveda 4. Atharveda Soma ritual was important drink which rishis may have drank. Shraddha would include a prayer where priests throw a bunch of different objects into a fire. The humans give an offering/gifts and humans given blessings. Some dietas are personification. The 4 vedas are divided into parts: 1. Samhitas: hyms to gods 2. Brahmanas: Communitries that explain the deeper meaning of samhitas 3. Aryankas: Discuss the deeper meaning of ritual sacrifice 4. Upanishads: texts that discuss life, death and existance. Each of these parts are part of the different vedas. Vedanta: the end of the vedas. They try and find the d...

WILLESDEN TEMPLE - A review of their 50th Utsav(celebration) and the trip in general

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 Day of Inspiration: Lessons from Willesden Temple: Its is remarkable what 60-70 swamis, 1200 volunteers,  31 sub teams and 19 leaders can produce. Wow. It is rare to stumble across such opportunities like the one that I was presented with today. I'm truly grateful for the sheer amount of knowledge that was imparted on me, whether that was learning more about how Willesden temple was established or even simply the sheer respect and humbleness of the people that I encountered today. This experience was truly something else and made me realise so many things that I just simply wouldnt even have thought about if I decided not to come and go to my maths tuition instead. Wow moments: Murti with real gold framing/structure Entering the main temple and doing Darshan to such beautifully presented murtis was a really nice experience. This frame around the white marble murti is made out of gold which is just crazy. Obviously, it would be so nice.  It was installed recently whi...

Verse 6 Sloka 30

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 "He who sees Me in all beings and all beings in Me, never becomes lost to Me, nor do I become lost to him." Do things without fear, as Bhagwan is always protecting you, standing behind your back. Always. "He who sees Me in all beings" -> The concept of seeing Krishna in every thing around us, regardless of their form or state. This shows us to recognise unity in all existance. "and all beings in Me" -> the antithesis: all beings as the creations from the Divine. All beings are protected in his world. "never becomes lost to Me, nor do I become lost to him" -> there is an unseperable connection between the divine and non-divine.