Ananda Mandir
269 Cedar Grove Lane Somerset, NJ 08873
Ananda Sangbad
NON-PROFIT ORG US POSTAGE PAID NEW BRUNSWICK, NJ PERMIT NO. 1215
July 2024
A Quarterly Publication of Ananda Mandir, New Jersey
ON PLANNING AND ENJOYING RETIREMENT
A
fter twenty-two years in the US pharmaceutical industry, I was laid off. I remember that day very well— a bleak winter morning rendered bleaker by the verdict, a devastating blow. No job, no regular pay checks, no routine or fixed schedule in my life. How will I manage? It was disorienting. What should I do now, I pondered. Get another job? With my background and experience that would not be too difficult. But, do I want to? Same old, same old did not appeal to me. Why not try something different. But what? Decisions, decisions! What if I retired? Could I afford to? I had meticulously planned for it by carefully saving and investing since my first job. I assessed my finances. Thatplanning and foresight had finally born fruit. I had enough for our needs. No need to toil day after day to earn my daily bread. I realized I was free, free to do what I want when I want. I wasn’t answerable to anyone. It was a liberating moment. I was fifty-eight. I could now enjoy life on my own terms. And the fateful layoff kick-started it all. A seeming disaster turned into the proverbial blessing in disguise. Eleven years have gone by since that bleak winter morning. For me, retirement has been wonderful, a blast. I am busy working, not because I have to but because I want to, doing things I love— traveling, writing and giving Travel-Talks on my adventures and experiences in other lands. I ceremoniously got rid of my alarm clock. No need for artificial clocks any more. I let my circadian clock guide my daily routine—taking a walk, listening to birdsong, the smell of roses, a good book, a glass of wine, the sunset. Retirement was not an instantaneous process. It needed a period of adjust-
Ranjan Mukherjee (Pennsylvania) ment. A speeding car does not stop immediately when you hit the brakes. It gradually slows before stopping. Similarly, I had developed a deeply ingrained habit of working over many years. So much free time felt awkward at first. I wondered—is this the right decision, should I look for work, is there more to aspire to? But after some months, those thoughts subsided. I remember one particular snowy morning when I woke up and realized that I did not have to get up and drive over treacherous, icy roads to work. What a blessing! I snuggled back into the sheets for more shut-eye. Life was good. I had observed my father slip happily and effortlessly into retirement. He would sit on the porch with a beatific expression on his face, read the paper or watch the world go by. That was the impression I retained of retirement— happiness, tranquility and beatitude. Perhaps, throughout my busy, eventful life across three continents, that is what I had unconsciously aspired to. I have often been asked how I had planned for retirement. There are four parts to the story: Learn, Work, Invest, Retire. It starts decades earlier. My schooling was at Ramakrishna Mission Vidyalaya, Narendrapur, a residential school with a rigorous academic curriculum and a strict, semi-monastic life. Good habits are emphasized; frugality, discipline, independence, courage and understanding. Plus, a wellrounded education, crucial for personal development and earning a living, all useful assets in life. After my M.Sc. (Calcutta University), I taught science to tribal high school students in Arunachal Pradesh. We
were surrounded by dense jungle teeming with wildlife that then included tigers, leopards and elephants. Shortly after that adventure, I came to the University of Delaware to do my Ph. D in physics. Within weeks I had to switch fields. I chose biology, completed my Ph.D., and after a post-doctoral stint joined the pharmaceutical industry. In school I learned how to make do with little. It enabled me to live within my means. That, in turn, enabled me to save, even when I was a penurious, married Ph.D. student. My stipend was about $10,000 per annum. With that I supported my wife and myself. It wasn’t difficult— we had a university owned married-student apartment and a stick-shift Datsun. We traveled, ate well (food was cheap and my wife is an excellent cook), were newly married and had fun. Lots of it. Looking back, those were some of the happiest years— no worries, responsibilities or mortgages. We also saved enough for two plane tickets to Strasbourg, France (via Kolkata), where I did my post-doc in the lab of Prof. Pierre Chambon, an expert on gene transcription. My wife, whom I had first met in a German class, and I, speak French and German. We therefore had no language problems in Europe. There we developed a love for cheeses, breads and wines, especially Riesling and Gewürztraminer, the two famous wines of Alsace. In life, planning is important. When I was a Ph.D. student, we decided not to have children. We could not afford to. As a post-doctoral trainee in France, which has an excellent health care system that covered us, we decided to start a family. Our son was born within a year. Mother and son stayed in the hospi-
Ananda Mandir Calendar of Events (Dates are subject to Change) Please check our website frequently www.anandamandir.org Tel: 732-873-9821 NOTE: For Puja time please contact temple or visit our website: anandamandir.org
JUNE 2024 Phala Harini Kalika Puja, Wednesday, 5 Ganga Puja & Dasha Hara, Sunday, 16 SnanJatra & Satyanarayn Puja, Saturday, 22 JULY 2024
tal for a week and received excellent care. I did not have to pay a single franc out of pocket. We were impressed. At home, with her son in her arms, my wife decided to become a stay-at-home mom and wife, a homemaker. That was her decision. I, therefore, by default, became the sole breadwinner. Expectations had to be reset. We decided to limit ourselves to one child. She took care of the house and all it entails. I worked and took care of the finances. The old-fashioned spear and distaff, but it has worked for us, so far. After three wonderful years in France, we returned to the US and I began my professional life as a scientist in the Biotech and Pharmaceutical Industry. I worked in three different companies; Ligand Pharmaceuticals (San Diego), DuPont Pharmaceuticals (Delaware), and BristolMyers Squibb (New Jersey). Over time, I did bench science, published papers, filed patents, attended meetings, led discovery teams, gave talks and chaired conferences. I learned to play golf at Torrey Pines (I still remember the unique scent of the pine and eucalyptus trees) and ski in Whistler. It was exhilarating. I also taught myself the fundamentals of investing from the financial section of continue to page 12 }
Shyama Puja, Friday, 5 Jagganather Ratha Jatra, Sunday, 7 Bipadtarini Puja, Tuesday, 9 Ulto Ratha Jatra & Satyanarayan Puja, Monday, 15 AUGUST 2024 Shyama Puja, Saturday, 3 Rakhi Purnima & Satyanarayan Puja, Monday, 19 Janmashtami, Monday, 26 SEPTEMBER 2024 Shyama Puja, Monday, 2 Ganesh Chaturthi, Saturday, 7 Satyanarayan Puja, Sunday, 15 Biswakarma Puja, Tuesday, 17 (*) See www.anandamandir.org or Call Mandir for details
Special Religious Services: Upon request, the priest of Ananda Mandir offers services such as in-house Shraddhas, Rituals associated with Cremations (Antyesti Kriya), Shraddha Anniversaries, Pre-wedding rituals (Naandimukh, Ashirwad, etc.), Upanayan (Paitey), Annaprasan, Wedding Ceremonies & Wedding Anniversaries, Griha Prabesh (Bhumi Puja), Consecrations of new cars (New Car Pujas) and others. If you have needs for any of the above or more, please feel free to contact Biswabhai @ 732-873-9821