New 2000 Indian rupee note

Demonetization – impacts common man, parallels to history

I have been reading the news about demonetization ever since it was announced at 8th of November, 2016. It is surely a day that will stand out in history, like on 16th January, 1978. That year, that day, the currency notes of Rs 1,000, Rs 5,000 and Rs 10,000 were scrapped. I do not even remotely remember those notes, of course, I was not born yet. If there has to be any parallels to be drawn, you can say that the then Janta party coalition and Bharatiya Janta Party are related. Apart from, black money, (more…)

10 not-so-common questions on home insurance policies

I have been thinking a lot about a home insurance policy and in the process, did a lot of research. Me and my wife recently got our first house and for all of us, our home is one of our precious assets that gives me the comfort and peace after a long tiring day at work. It is the place where you sink in and to think of the risks of anything happening to it is seriously worrying. You put in all your savings, risking a huge EMI from a Bank. EMI stands for Easy Monthly Installments, but is should be HMI – hardest monthly installment. 😀

PS: It is rather just coincidence that Vijay Mallya story doing rounds these days and I am writing this :P.

Home is a name, a word, it is a strong one; stronger than magician ever spoke, or spirit ever answered to, in the strongest conjuration.” Charles Dickens

So what can go wrong?

I for one, cannot forget the day of 26th of July, 2005. Apart from holding a very special place in my heart for a different reason, that day scared the heck out of me. Yes, it did. Natural calamities like such as an earthquake, and flood has time and again caused loss of life and property alike. The life comes to an abrupt halt whenever any natural calamity strikes and the destruction it brings with it leaves unbearable financial and emotional pain. You cannot rebuild a life that could not be saved, but you can rebuild your life.

You cannot rebuild a life that could not be saved, but you can rebuild your life


Finally, the inflation has hit devotees

As strange as it may sound, but it is true. And yes, welcome too.

We have always heard this many times over, and in the movie Oh My God, where Paresh Rawal mouths the dialogue – “Inke yaha recession main bhi income kam nahi hoti, balki badh thi hai kyu ki log daar ke maare aur jhanjat se bahar nikalne ke liye aur zyada daan denge” (For these people, income never dips even during recession but only increases as people get afraid and donate more to get out of financial difficulties).

On the first page of today’s Hindustan Times news paper is where I found the very title of this post. It was reported that there was a slight dip in this year’s income at city’s most famous mandal, Lalbaugcha Raja Sarvajanik Ganeshotsav Mandal, who hosts Lord Ganesha for 10 days during the festival. (more…)

Why I cannot save the same money I used to before?

I am sure there are answers in your mind already. Cost of every thing from salt to flights have gone up. Err, salt still costs same for now, but you get my point. Middle class people are those who have the  ability not to stay poor. And then you have lower middle class and upper middle class. But why there is no middle middle class? We can let our eminent economists to figure that out.

There are two answers to the above question, really. One is, of course the hike in all prices and the second one is change of lifestyle.

Let’s dig in the first and understand why you are paying more than what you used to.

1. Greed

Oh yes, you are right. No one in his sane mind would put this point first. But life is driving me and many others insane, so why not?