You have seen these people on social media. They seem to pop up faster than pimples on a teenager.

They all have some common traits:

  1. They give free generic advice and stock
  2. They guarantee you with 1000% profit, but…
  3. To get that level of profit, you have to buy some shady course which (surprise!) they are selling.
  4. They have questionable intelligence.

If you get a kick out of seeing your money disappear though, these are the perfect people for you. Have fun.

Photo by Maxim Hopman on Unsplash

The news are talking about the packed hospitals with Covid patients.

The social media is flooded with requests for urgent requirements of oxygen beds or ventilators.

A close friend who is a front line worker informed how real the unavailability of beds is in hospitals.

Many of these situations could have been avoided by the government’s and the people’s actions. But sadly, mistakes were made. And people are paying with their lives.


Last week, our whole team was poised to take an online exam of about 8000+ students. We thought we were ready.

The day arrived and the flood of traffic found the ignored cracks in our system and showed us that what we thought was a solid foundation was actually nothing but sand.

What a catastrophic failure!

Luckily, we got another chance to conduct the test five days later and meanwhile my colleagues worked hard day and night and fixed some of the problems. I say some of the problems because we know many problems are still lurking under there. …


The political parties fighting for power in the state of West Bengal are taking rallies. Hundreds and thousands of people ignore the mask mandate and the social distancing rule and stand in close proximity with each other. BJP is especially in the focus for breaking the Covid rules and regulations.

The logic seems to be: if the opponents are taking rallies and we don’t, then we will surely lose. That is why we must take rallies and throw mud and dung at the opponents.

But what if the parties gave a public message that they won’t be taking any political…


Covid has been good at infecting people. But it has also been effective at exposing the systemic weaknesses of different countries.

Lack of enough beds and ventilators.

Lack of resources to control the spread of the disease.

Lack of proper leadership.

Lack of cohesive community.

Lack of management of healthcare and deficiency in supplies.

Covid has attacked many of the cracks in our system at the same time and this has overwhelmed the entire nations. When everything starts to fail, it becomes a question of: what can we save anymore?

Photo by Ivan Vranić on Unsplash


Government has been pleading the public to follow social distancing and wear masks in public at all times.

But that is only limited till pleading. When in comes to action, the political leaders have allowed whatever benefits them like rallies and their vote banks like Kumbh Mela gathering.

They are trying to give a message that we care for everyone, but also hinting: not that much.

It is like your child saying she loves you and will listen to what you say, but then sneaks away to the fridge to eat that delicious ice-cream.

Where I got the idea for this post


Government has come up with new lockdown rules again and it seems a repeat of the previous year.

But last year, people relaxed adhering to the pandemic rules and guidelines everywhere in India as the year came to a close. The falling number of daily cases also boosted people’s confidence that Covid has said goodbye to India.

Oh, but it did not. Like a kindergartner on a first day who walks a few steps into the school and turns around and runs back into the parents arms crying, the pandemic is back in India, missing all these people so much…


2020 brought Covid and with it boredom. Many people who did not know anything about stock market were suddenly drawn to it one way or another.

Many discount stock brokers in India saw huge growth in their subscribers.

And looks like now they have enough funds to even buy ads for TV. They have flooded the IPL ads.

This is going to bring a lot of people on board who have no idea what they are doing and that is dangerous. Some people will quickly lose some money, get burnt and then will stay away from trading stocks.

But some…


I came to know about this Indian government scheme a few days ago. I wish I had known about this earlier. I could have made a few thousand contribution to it already.

Open at least a Tier I account which has all the tax benefits. Contribute at least Rs. 1,000 every year. Forgot about your contributions till you are age 60. (though there are some allowances for withdrawing partial amount before that)

If you can afford it, make voluntary contributions as much as you can. Your 60 year old version will thank your investment savvy ass.

Please google to know more about it. There are many detailed helpful articles out there.

Look at that happy old man who is glad he opened a NPS account 60 years ago

Hemant Kulkarni

I explore ideas

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