Monday, July 28, 2014

Poetry: Johny and Jifi: An Exciting Exploration of a Unique Social Bank Account

Johny Johny
Yes Mama
Have you gone for Jifi
No Mama
Do you have Facebook and Twitter accounts
Yes Mama
Good! Then we can go for Jifi
Okay Mama.

Johny Johny
Yes Mama,
There are 2 ways to open your Jifi Account
How Mama?
Either go to Kotak website to get 2 options
one - click on facebook tab to land on to their FB page
or click on "Email" to get an invite via email.

Mama Mama
Yes Johny
What a fantastic and innovative way to open the account
What an interesting and non-boring way it is
I would definitely open this social bank account
Tell me some more Mama
What is the next step for opening this account,
How much do I need to maintain in my account
Whether it is Savings or a Current - Mama!

Johny Johny
Yes Mama!
Good to know that you decided to open Jifi Account
Like any other youth of the country
Because you guys know the power of Social Media
And foresee the innovative unique approach by
Kotak for the first time on a global front.

Johny Johny
Yes Mama!
Once you apply for an account,
the Bank executive will connect with you for further formalities
The minimum amount you need to open this account is Rs 5,000
The account is "Current" with Zero Interest and Zero Balance
That means the amount of Rs 5,000 you deposited on opening of account
Can be spent for various banking activities - online or offline.
The account facility will be soon available Pan-India
But currently it is available in 10 cities viz -
Bangalore, Delhi, Mumbai, Chennai, Chandigarh, Bhubaneshwar,
Coimbatore, Hyderabad, Kolkata, Jaipur and Lucknow.

If your account balance crosses Rs. 25,000, the exceeding amount
automatically goes into a term deposit with attractive interest rate
You use twitter to check your balance, transactions and raise
cheque book request.
The exciting part is the referrals - you refer more friends
you get more rewards.
You become a member of Loyalty Club
and then transacting on social networking sites,
or referring your friends to join Jifi entitles you
to get exciting gifts to redeem with the earned loyalty points.

Johny Johny
Yes Mama!
Hope the excitement is at its peak!
Yes Mama, but tell me a little more,
Does it have a mobile app so that I download it.
Yes Johny, the beautiful and smart app is all yours 
to download and enjoy the deals offered for your exclusive Jifi,
For a month you get Kotak Moneywatch for a month
to track your expenses.
Will you become the 15341st account holder
or will be able to prolong it.

Not at all! Not at all!
While talking to you Mama!
I visited the KotakJifi website and applied for my Jifi Account
Now let me start earning my Loyalty points 
on sign up, referrals, and twitter activities.
You know Mama! I am about to get a 
Platinum Debit Card that is going to of modern
technology chip based - thereby providing me
more security, more confidence and more freedom!

Hey Mama! I want to thank you for 
enlightening me on the most user friendly, Youth focused,
Social Bank Account that is Jifi, my Jifi,
Johny and Jifi are now friends for lifetime!
And with Jifi I can live my life in my own style.

Friday, July 25, 2014

Author Video Interview: Girdhar Joshi: On his Journey from IT to MIS to Fiction: Some Mistakes Have No Pardon

Girdhar Joshi is an author of fiction and educational books for higher education. He lives in Mumbai where he is engaged in the software business and nurtures writing as his passion. He has already published three books on application of information technology in business for the students of management and self-published a collection of Hindi poetry. His latest is a literary novel.

Let us all welcome Girdhar and get an insight of his journey from writing technology books to Fiction.

Author Interview: Girdhar Joshi: Journey from Information Technology to Some Mistakes Have No Pardon

The rebel
Girdhar Joshi is an author of fiction and educational books for higher education. He lives in Mumbai where he is engaged in the software business and nurtures writing as his passion. He has already published three books on application of information technology in business for the students of management and self-published a collection of Hindi poetry. His latest is a literary novel.
Once upon a time

Your real name and pen name.
I have shortened my name as GIRDHAR JOSHI for my readers, students, and business associates. But my bankers and tax authorities still grapple with my long tongue-twister name Girdhari Datt Joshi.

Please share some of the best memories of your childhood.
I spent my childhood in the picturesque hills of Uttarakhand, earlier part of Uttar Pradesh, in the lap of nature. The memories include walking two-three kilometers on the serpentine path to school, fetching water from the village well at one kilometer distance, picking dried wood on Sundays, and braving the bitter cold winters, sometimes without a pair of shoes or slippers in the foot.
Glimpses of innocent childhood
About your education
I did my earlier education from the schools around my village and migrated to nearest metropolitan city, that is, Delhi to pursue twin objectives of furtherance of education and finding livelihood. I achieved both: earned my bachelor degree in commerce from Delhi University in 1986, a diploma in business management from IGNOU, and a master degree in business management specializing in information technology and marketing management from Punjab Technical University, besides some part-time language courses from Jawaharlal University. All the later courses were pursued while I was working.

What career did you plan during your education days?
None in specific and dozens in general. During school days I, like most of the brilliant science students of my school, was enamored by a course in civil or mechanical engineering in the lone engineering college in Nainital, some 200 kilometers far off my tiny village. But that dream was never realized as my father was in no position to bear the expenses. Later, in Delhi I vied for a bank job and a civil services job. But destiny had something else in store. I ended up earning my bread by selling software. Writing was never in the career radar, but I was sensitive to my environment and used to write poetry in Hindi which I did for couple of years before the streams of rhyming couplets dried up in the scorching heat and din of thing called life.
Leisure time 2
What languages you can speak and write?
I can speak and write English and Hindi.

What is your biggest source of inspiration in life?
Nature. See, the trees inspire me to stand tall despite of storms and tornadoes. The river inspires me to flow, just flow without any purpose. The child learns just by observation and life should be like that only.

What hurts you most in this world?
Hypocrisy. We shouldn’t have one standard for us and different for others.  One should express what is inside and should not be untruthful in the guise of diplomacy.

What is the biggest challenge you have faced? How did you overcome it?
I faced many challenges, big and small, in life. They came, I stood like a rock, and they vanished. And, those challenges ranged from getting noticed in writing, creating an edge in the dog-eats-dog environs of business, and the threats to basic survival.
2014-07-25 09.42.02
If you had to live a day of your life as one of the living or dead personality, who would it be and why?
I would like to live like Barack Obama, American President. I would like to see how it feels at the top of the world as the president of the all powerful country in the world. I am fan of his oratorical skills.

What is your favorite genre and why?
I love fantasy fiction with the touch of mysticism and spirituality. It gives us insights into life and sometimes helps us find solutions to problems.

When did you start writing? What is the purpose of your writing?
I actively started writing in 2007 when I felt the need of a book on application of information systems in retail for my students doing undergraduate and postgraduate degrees in retailing. I wanted to write stories, but I was not sure if I could interest someone to read it. Finally, the urge to write prevailed between the do-and-don’t-dos in June 2013 when I formally wrote my first sentence which expanded into a voluminous novel ‘Some Mistakes Have No Pardon’.

Which of your work has been published so far? Would you like to share a synopsis of your work?
As I said, I started with writing educational books. The first book ‘Information Technology for Retail’ was published by Oxford University Press New Delhi in 2008. Then I co-authored another book on the same subject ‘IT in Retail’ published by Vikas Publishing House, Noida in 2012. The success of first book and advices of my publishers tempted me to write another one ‘Management Information Systems’ which is based on applications of information technology for managing businesses. This was published by OUP in July 2013.
Some Mistakes Have No Pardon’ is my first fiction which is a story of a man who struggles to find love, peace, and happiness in life. In the process he takes many adventures and commits follies. But destiny had something predesigned for him and he feels desperate as a puppet in the hands of some unknown force. This novel beautifully illustrates the trials, triumphs, and tribulations of life in an interesting manner.

What are your forthcoming writings?
At the moment I am busy in promotion of this novel, online and offline. But I have four projects in mind that I can take up in future; I don’t know which will take precedence over others. The first is a story of a woman which will be a mystical story based on relationships, destiny, and karma. The second is a humorous and satirical story of two friends producing tons of laughter with their adventures and comical situations in life. The third is a traditional folklore of the hills of Uttarakhand which is basically a romantic story with touch of mysticism. This story has been told for centuries but I want to rewrite it with the prism of modern outlook. The fourth, of course, would be on knowledge management for the students of business studies.

What are your future plans?
I think I would keep on selling software to appease my stomach and write stories to appease my soul, until and unless my chairman thinks that I am spending more time on writing stories then on meeting prospects and as an outcome, he kicks me out.

What four top most things you take care of while writing a book?
First, the story should be well-woven. Second, the language should be as easy and formal as possible (I have seldom used slangs and little use of Hindi and local words). Third, it should be well edited. Fourth, it should be well presented (the layout and the cover).

How much real life goes into a fiction writing?
I think fiction draws its inspiration from real life. There is no fiction without a lot of reality, and there is no reality a without a bit of fiction. The incidences, the characters, and many times, the plot are based on real life.

Is high level of imagination important to have for an Author?
Yes, especially if you are a fiction writer. Biographies, travel-loges etc. may not need that kind of high level imagination.

Your dream destination on Earth?
A night in the Shikara on the Dal Lake in Srinagar or a boat-house in backwaters of Kerala is not a bad idea. Though world offers innumerable possibilities for us.

Your origin of birth and other countries you have visited/ stayed. What best things you liked in these countries around the globe?
I was born and brought up in India. But I have visited Poland for business purpose and Nepal for fun. Nepal is as good as our own hill states of Himachal, Uttarakhand, Arunachal, Meghalaya and others. No distinct offerings. But the cleanliness, the cool environs, and greenery touched me in Poland.

Your favorite time of the day?
All times have their own charm. Nights are mysterious. You can be with you in the nights.

Your zodiac/ sunsign?
Sorpio, but it varies by different calendars.
At the latest book launch
Your favorite color and why?
All colors attract me. But when it goes to clothing ‘blue’, ‘sky blue’ and ‘white’ entice me.

What is the last book you finished reading? What is the current book you are reading?
Last book I finished was ‘Ajaya’ by Neelekanthan. I have to pick a new book soon.

Your favorite book and why?
Whatever I have read till now, I found ‘Eleven Minutes’ by Paulo Coelho and ‘Midnights Children’ by Salman Rushdie very interesting. Both have their own reasons.

Your favorite movie and why?
Not a big movie buff. I liked Titanic in international movies and 3 Idiots in Indian movies best. They keep you so glued to the screen that you don’t even want to scratch your back.

Your favorite celebrity and why?
I like Barack Obama. I like him for many other qualities than of a politician. I would skip my marriage anniversary to meet him, if he would.

Your favorite food?
Lots of different tastes in south Indian thali. Pasta tastes good.

Some quickies: Sun or Moon,  - moon
Laughter or Smile – smile
Morning or Evening – evening
Coffee or Tea – coffee
Mountain or Sea – mountains
Long Drive or Short Drive – no drive
Silence or Conversation – silence
Water or Fire – water
Air or Earth – earth
Mars or Jupiter – Mars
Tulip or Rose – Tulip
Red or Blue – Blue
Left or Right – right
Glance or Stare - stare

What three words come to your mind for each –
Technology: modern, comfort, progress
Life: live, love, laugh
God: strength, weakness, futile
Humanity: grow, prosper, compassion
Terrorism: misguided, stranded, curse
Racism: bad, good, end (racism bad, race good, end racism)
Childhood Abuse: unknown, tyranny, innocence
Love: life, panacea, energy
Parenting: duty, joy, responsibility
Old age: dignity, evening, wine at the window

State your signature line/ tagline/ best quote
‘Sometimes the acutest of agonies are difficult to find expression in the given vocabulary: words fail but pain prevails.’ (from Some Mistakes Have No Pardon)

The last line of your autobiography would be…
So, that is the man: sometimes overestimated, many times underestimated, but mostly misunderstood.

Twitter handle: @girdharJ
Facebook page:
Goodreads author page:
Amazon link:
Publishers Link: Novel:

Publishers Link OUP:

Thursday, July 24, 2014

Author Interview: Sylvan Clarke: Black Belt: Personal Life Coach: Ten Head – An Eye for an Eye

As a Self defence/Martial arts instructor for the past 30 years, I initially came about the idea for writing a book on 'Protect You - The Street Smart Way' after listening to my students concerns about the literature available on self protection. Little did I know that I would then go on to write two more books on self defence 'Protect You – Understanding Bullying & Aggressive Behaviour' and 'Protect You – The Ultimate Self Defence Guide incorporating Communication Management'. I was asked on several occasions where my knowledge came from to write books on self defence, aside from my black belt grades and instructing qualifications I'm a firm believer that to really understand a person you can do worse than to walk a mile or two in their shoes (metaphorically speaking) so I eventually created my fictional based on a true story book series 'Ten Head – An Eye for Eye' because the negative consequences of having 'An Eye for an Eye' mentality have shown time and time again too far reaching to mention.
Strange how ideas morph into something bigger than you first realised. I look back at my experiences and cherish what they have made me today, so much so that my latest book release 'Shine Your Light - A Dream Chasers Handbook' conveys my own personal life coaching concepts on Dream Chasing. In some way it is a celebration of life so far and the many inspirational people we have amongst us each and every day.

Your real name and pen name?
Sylvan Clarke is Sylvan Clarke
'Fong Tien' is my interpretation of my 'Art of Life' and also the name of my self defence system.

What is your biggest source of inspiration in life
Underestimated people doing extraordinary things

What hurts you most in this world

If you had to live a day of your life as one of the living or dead personalities, who would it be and why?
Bruce Lee, so I could workout with Dan Inosanto in Kali sticks and free sparring, that would be awesome.

What is your favorite genre and why?
Thrillers like 'Luther - The Calling'

What four top most important things you take care of while writing a book?
·  My reason for writing.
·  Staying focussed on the topic I am writing about
·  Keeping to the theme(Scene, mood, direction) of my written works.
·  Maintaining a consistent transition(Flow to the finale) to closure of written works.

Is a high level of imagination important to have as an Author?
Me personally, I think a desire to write about something you are passionate about and following a structured method of getting your thoughts written down or recorded on a dictaphone can help set a good platform from which you can then start to be creative. My imagination was definitely stretched in the creation of 'Ten Head - An Eye for an Eye', but it was well worth it to see the finished product.

What is the last book you finished reading?
How to survive change you didn't ask for by M J Ryan
What is the current book you are reading?
The Art of Peace by Morihei Ueshiba
Your favorite book and why?

Luther The Calling
After watching the fantastic Luther TV series,I wanted to know how it all began, I needed to look no further than Luther 'The Calling'. A truly mesmerising story highlighting to me the stark choices between moral justice and doing whatever needs to be done to find and do what is inexplicably the 'Right' justice. I really felt for John Luther as he was taken on a tumultuous journey pitted against the clock to try and catch a more than confident psychopathic serial killer/child abductor. There is a brilliantly riveting build up of suspense filled angst especially with time ticking away and the whole of his region watching his every move under a microscope of distrust and foreboding. I really felt the plot came into its own when Luther's methods are brought under question whilst he challenges the conventional methods of police detective work as he deals with some very unsavoury criminals. Luther-'The Calling' is a true masterpiece in my eyes and I thoroughly enjoyed reading this book - Compulsive reading for anyone who loves crime suspense thrillers and a sure fire collector for the die hard fans of the Luther Series

Your favorite movie and why?

King Kong - He was the most misunderstood being on the planet.

What I prefer?

Sun or Moon? - Moon
Laughter or Smile? - Laughter
Morning or Evening? - Evening
Coffee or Tea? - Tea
Mountain or Sea? - Mountain
Long Drive or Short Drive? – Short Drive
Silence or Conversation? - Silence

State your signature line/ tagline/ best quote
Know your limits, Achieve your limits, Exceed your limits
Aboutme page:

Amazon link:
Shine Your Light – A Dream Chaser's Handbook


Ten Head – An Eye for an Eye

Tuesday, July 22, 2014

Author Interview: Heidi Ruby Miller: A Lengthy Bibliography: Novels, Short Stories, Articles, Essays, Poetry

CC_Heidi reading
Heidi Ruby Miller uses research for her stories as an excuse to roam the globe. In between trips, Heidi teaches creative writing at Seton Hill University, where she graduated from their renowned Writing Popular Fiction Graduate Program the same month she appeared on Who Wants To Be A Millionaire. The multi-award winning writing guide Many Genres, One Craft, which she co-edited with Michael A. Arnzen, is based on the Seton Hill program and was named #5 in The Writer magazine's Ten Most Terrific Writing Books of 2011.

In 2012, Heidi created the Dog Star Books science fiction imprint for Raw Dog Screaming Press and was the managing editor for the line for three years. Currently she is the Director of Professional Writing Relations for the Pennsylvania Literary Festival, an event she co-founded in 2014 with her husband, award-winning author Jason Jack Miller, and Matthew Dowling and David Slusarick, the producers of the GoingLIVE talk show on FCTV, where Heidi sometimes co-hosts.

Her formal memberships include
The Authors Guild, International Thriller Writers, Pennwriters, and Science Fiction Poetry Association. She lives near Pittsburgh with her husband and a cat and is fond of high-heeled shoes, action movies, the smell of Chanel, Tiffany jewelry, and tea of any sort.

Your real name and pen name?
I'm actually Heidi Ruby Miller.
Mouse Ears_2012_Twit
Please share some of the best memories of your childhood.
Walt Disney World! One of my earliest memories is my mother being pregnant with my brother on out first trip to see the Mouse—I was three. Later I participated in the Disney College Program for six months, then my husband and I ditched grad school to work there right after we got married. My family still takes an annual trip to WDW, and there aren't even any kids among us. I often thank my parents for taking my brother and me on trips to various locations when we were young. It kept the travel bug in me alive. And, thankfully I married an adventurer like myself.

About your education.
My undergraduate degrees are in Anthropology and Geography with minors in Travel/Tourism and Foreign Languages from California University of Pennsylvania. I also have a state teaching certificate for Spanish and a graduate degree in Writing Popular Fiction from Seton Hill University, where I now teach.

Millers on set of Going Live_FCTV
What career did you plan during your education days?
In my high school yearbook, I said I wanted to be a romance novelist, yet somehow I only took one English class during my entire undergraduate career. The writing came much later.

What languages you can speak and write?
My native language is English. I used to teach Spanish and French, so I'm fluent in those as well, but am slowly falling out of practice with my speech—my reading skills are still sharp in both, however.

What hurts you most in this world?
Ignorance, hypocrisy, injustice, hatred, and cruelty—they all seem to go hand-in-hand.

What is your favorite genre and why?
Science fiction to fantasy to thrillers—it depends on my mood. Though, I usually include a speculative element within my work.

When did you start writing? What is the purpose of your writing?
I wrote "The Copper Kitty Mystery" in second grade for Highlights Magazine as part of a gifted project, and have been telling stories and making up worlds ever since. (By the way, the story was rejected, so the Copper Kitty still remains a mystery.)
Heidi Ruby Miller_author photo
What of your work has been published so far? Would you like to share a synopsis of your work?
I have a lengthy bibliography at this point in my career, which includes novels, short stories, articles, essays, and poetry.

The far future world of the Ambasadora-verse is my biggest point of pride so far. The broad concept for this science fiction adventure series deals with a multi-partner, caste-ruled society where love and jealousy are considered emotional fallacies, nothing more than fleeting moods and sentiments biased by hormones. Relationships and conceptions in this world obsessed with celebrity, beauty, and power are based on DNA, lineages, and the all-powerful History...or they should be.

With large ensemble casts, massive settings spread over six planets, and deep plots, Greenshift and Marked by Light are just the first of many books I have mapped out for this world.

What are your forthcoming writings?
Starrie, another book in the Ambasadora-verse, should be released next year.
Eiffel Tower
What are your future plans?
My agent is currently working with me on a contemporary thriller series, and my husband and I are collaborating on an historical thriller series. And, of course, I've already started Book 2: Scarred by Light for the Ambasadora-verse.

How much real life goes into fiction writing?
About as much as daydreams and nightmares do.

Is a high level of imagination important to have for an author?
It is my driving force.

Your dream destination on Earth?
Antarctica, the Galapagos Islands, Fiji, and Tokyo

Your origin of birth and other countries you have visited.
Both my husband and I were born here in Southwestern Pennsylvania, but we've traveled to 25 states and dozens of cities around the world. Culture and landscape are our two biggest reasons for travel, though food may be overtaking both soon.

Your favorite time of the day?

Your zodiac/ sunsign?
I'm totally an emotional cancer.

Your favorite color?
I love purples and blues, but I wear mostly blacks, greys, and whites.

Your favorite book and why?
I have about ten, and they are special to me because I found them during different parts of my life: A Wrinkle in Time by Madeleine L'Engle, 2010 by Arthur C. Clarke, Don’t Stop the Carnival by Herman Wouk, Dune by Frank Herbert, Thunderhead by Douglas Preston and Lincoln Child, Inca Gold by Clive Cussler, Neverwhere by Neil Gaiman, The Revelations of Preston Black by Jason Jack Miller, World War Z by Max Brooks, and the series of G. I. Joe Choose Your Own Adventure books.  

Your favorite celebrity and why?
My husband and I have our celebrity lists, which we each update from time to time. Right now, my favorites are David Boreanaz, Eddie McClintock, Matt Bomer, Jason Statham, Colin Farrell, Dwayne Johnson, Ben Browder, and Bruce Willis. The why has to do with my affinity for a thin upper lip and prominent eyebrows on men.

Your favorite food?

Some quickies:
Sun or Moon - both
Laughter or Smile - both
Morning or Evening - morning
Coffee or Tea - tea
Mountain or Sea - both
Long Drive or Short Drive - both
Silence or Conversation - both
Mars or Jupiter – Jupiter, but just because of Arthur C. Clarke
Tulip or Rose - both
Red or Blue – I look good in both.
Left or Right – I still have a hard time telling them apart.
Glance or Stare - glance

State your signature line/ tagline/ best quote.
Using research for my novels as an excuse to roam the globe.

Or maybe just…Adventure!

The last line of your autobiography would be…
And we lived happily ever after…again and again and again.

Twitter handle: @heidirubymiller -
Amazon link: