Squirrel service (ಅಳಿಲು ಸೇವೆ) in the information age 😊

  One of the technology companies listed in the Indian National Stock Exchange (NSE) delivered a per-share dividend of 36 INR (0.48 USD) to its shareholders in the year 2021. Out of the 271 crores (2,710 million) outstanding shares, the promoters group owns 60.33% which is ~163 crores (1,630 million) shares. If you do the simple math, 163 x 36 ~5900 crores INR (787 million USD) in dividend income. That is the power of owning an established well-run business. So, the obvious question is what is the use of knowing how much promoters earned? The point I am making is very simple. If you cannot start a business, own a piece of these kinds of business by buying their shares where you can reap the benefit from both capital appreciation and dividend income. A few of the key elements to find a well-run franchise are: - Clean accounts and good corporate governance.  Ability to generate a return on capital employed substantially higher than the cost of capital.  Sustainable compe...

Some of the fundamental rules one has to look upon when handling personal finance in the journey towards financial freedom are:   Have health insurance covering all the family members and a term life insurance for the one whom the family is mainly dependent upon based on your debt and obligations. Keep aside an emergency fund that may last at least about 6-12 months of your monthly expenses (below age 50) and 12-24 months of your monthly expenses (above age 50). Invest in appreciating asset classes in a disciplined and consistent manner by understanding your risk appetite, various financial goals, and time horizon. Photo courtesy: iStock by Getty Images Personal recommendations:- Reach out to Ditto Insurance for free online consultation on health and term life insurance.   Let's Talk Money by Monika Halan (special focus on mutual fund investment). Financial Affairs Of The Common Man by Anil Lamba (special focus on various asset classes and its historical returns).   ...

One of the common problems that the younger generation facing now is sleep deprivation. The causes for it may vary from person to person depending on the individual's situation (excess use of electronic gadgets, work stress, change in the sleeping cycle/environment, depression, anxiety, and so on) but the aftermath would lead to a number of bigger health issues such as hypertension, diabetes, obesity, heart-related problem. I knew a lot of folks are facing this issue but it was further triggered when I came across a recent post on LinkedIn from Nithin Kamath (attached below). The most simplest and powerful way one can overcome sleep deprivation is by performing the left nostril breathing technique (also called Chandra Nadi Pranayama). Steps: Sit in any comfortable posture with back and neck erect. Close your eyes with a gentle smile on your face. Inhale and exhale with only your left nostril by blocking the right nostril using your fingers. Rest your left palm facing up...

As a Yoga Instructor, one of the common questions which I am frequently asked is how to reduce weight or unnecessary fat by performing Yoga. The easiest and simplest way is by performing the right nostril breathing technique (also called Surya Nadi Pranayama). Steps: Sit in any comfortable posture with back and neck erect. Close your eyes with a gentle smile on your face. Inhale and exhale with only your right nostril by blocking the left nostril using your fingers. Rest your left palm facing upwards on your left thighs. Keep your focus completely on your breath and the warmth in the body.    Photo courtesy: wikiHow Practice this 27 rounds (1 round = inhalation + exhalation), 4 times a day (a total of 108 rounds per day) and you may see the results within a month with a reduction of about 2 kg in your weight. For further clarification and/or personal consultations: fill out this google form (click here ) . ----------------------------------------- I hope you liked this blog p...

In the earlier blog post on masters abroad I have extensively covered the major aspects of preparation prior to applying for foreign universities and what could one expect in each step. Here in this post, I would like to shed some light on the job prospectus after completing the master's studies. The major three areas where one can opt/find a job are: University. Research centre. Company/industry. At university/academia, the origin of any research, innovation, and development actually begin. This is the community of professors, researchers, and students who perform pure research. Any new idea starts shaping based on the fundamental theoretical knowledge of the underlying physical phenomenon. The community make use of their strong fundamental theoretical knowledge, mathematical models, numerical analysis, and analytical skills to test their hypothesis and provide theoretical validation. The community is also involved in writing scientific journal papers that can be ac...

Have you thought about whether Triple Bottom Line (TBL) may impact you as a consumer or retail investor or proprietor? Well in the short term, my answer would be "maybe" but in the long run, it will indeed impact all of us in one or another way.   Triple Bottom Line framework (courtesy: Harvard Business School Online). Do you think sustainability in terms of financial profits is the only thing you mind? Then there is a big disruptor that is coming our way which is going to have a huge impact on how we as a consumer or retail investors or business owners may have to seriously think through it when taking our long-term steps. If you closely observe trends are already in that direction as all the big five or big tech ( Apple , Microsoft , Alphabet (Google) , Amazon , Meta ) whatever you call them have aligned their business principles in the TBL framework. So, what is Triple Bottom Line (TBL)? As per the definition from Investopedia , "In economics, the triple bottom li...