How to Kill “Work” for Ever and be Eternally Happy


Dream jobs don’t exist. Period.

You can get jobs which make you money, challenge you, grow you, help you reach your highest potential – but work is still unwanted, tiring and a necessary thing we have to do anyway.

You can do a “great job” in your work but the concept of work and job in itself is not that great. If it was, then you will not look forward to the weekend. You would look forward to Mondays!

There is no point in hiding this truth and lying to ourselves that we love what we do for a living.

We as cavemen used to hunt in the forest for food, or go to the rivers with spears to catch fish – and there was/is nothing to get excited about that “job”.

We are not so different today.

We work so that we can survive. Nothing else. Its just that with evolution and technology we have created a 1000 different jobs through division of labour.

So accept it. You don’t want to be an employee. And You don’t want to be a boss either. What you really want is… TO BE THE OWNER. Have enough passive income so that your monthly expenses are taken care of – and some more for fun.

But to OWN things and get passive income you need capital. Capital comes from savings – years of it. [Continue reading]

CitiBank India Rewards Credit Card – Get Your Rewards Point as Cash Back! Save 1% on Everything.

citibank rewardsI have been experimenting with various credit cards in India. Alsmost every card in the beginner to intermediate level gives reward points when you use the card and these reward points can be then redeemed for gifts. HDFC Bank Card, ICICI Card and most of the other cards have a catalog of products from which you can choose to get vouchers from and then use those vouchers to get discounts while shopping.

When I did the math, it looks like you will get around 1% of the value of the purchase back in terms of points. The numbers may vary but it is always close to 1%. For example, for every Rs.150 spent, you may get 5 reward points. Looking at the price of the offers in the catalog, I evaluated that the value per reward point is approximately 33 Paise. So for Rs.150 you are getting back Rs.1.50 worth of points. That’s 1%.

But the catch here is that the products that you shop for usually are in MRP without any discounts and if you go and look up the same product in Flipkart or Amazon, it will be much cheaper.


I recently discovered that Citibank Rewards Card is perhaps the only CC in India which allows you to redeem the reward points as cash back. And this is at a very good rate of Rs.0.35 per point. I just redeemed my reward points and got a credit in my card account! Now this is real money with which I can buy anything and I am not restricted to their catalog of products :)

Do you know of any other credit card in India that allows cash back for points?

Google Upgrades Google Places to “Google My Business”

Google My Business

Listing your website on Google places has its benefits. When someone searches for my brand name "Digital Deepak" on Google, this is what they see: Such listings will be much more useful for businesses which have an office / premises where … [Continue reading]

Amazon, Please Stop Sending me Checks! I am Getting Tired of This!

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I just got a check for $108.46 from Amazon. This is for my earnings in the affiliate program. I am really getting tired of this. Taking the cheque from my mail box, depositing in the bank,¬†and waiting for 21 business days! (That's how it … [Continue reading]

Want to Become a Millionaire? Do this Simple Math First.


If you live long enough, if you keep earning some money consistently, you will eventually end up becoming a millionaire. The word millionaire may not mean having a million US dollars but it stands for being financially independent and not having to … [Continue reading]

Data Reveals Why Housing Prices in India Will Start Declining after 2017

baby boomers

We have seen only real estate prices go up in our generation. We have never seen it decline in India. That's because the demand is high, not because everyone believes that "Real estate prices should always go up". Fortunately, we now know that real … [Continue reading]

How to Make a Living as an Author


If you are good at writing, you can make a living out of it. But you also have to be good at business and marketing. If you are only good at writing, you will end up publishing books and will end up "trying" to market it via social media, blogging … [Continue reading]

How to Safe Guard Your CAPITAL when Inflation Eats Away Your Savings


Inflation is often misunderstood by the general public. It takes a lot of thinking just to understand how inflation works and how it can hit you and your saved up capital. Inflation is the rise in prices of goods and services over time. Big … [Continue reading]

Loans on Credit Cards in India Have a Hidden 12.36% Service Tax on Interest!


When the banker called me an said that they have a "Great Offer" for me on my credit card, I was interested. They said that I can get a cash loan on my card at an "amazing" interest rate of 0.99% per month. It worked out to be 11.88% annually … [Continue reading]

How to Cherry Pick the Best Performing Keywords in Adwords?

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Adwords is a great tool for getting targeted traffic who will come to your website and buy what you are selling. But if you are not careful, adwords can also deplete your bank account and you may not have any sales to talk about. Usually, no one can … [Continue reading]