Aim Small, Miss Small

We have all been taught to set big goals. Yes, big goals are needed. You cannot dream small and be satisfied with your life. You are capable of better things.


But when you are just getting started, setting a goal that is too big can be overwhelming and it can prevent you from getting started. A car that wants to go at 100 kmph cannot start at 100 kmph. It has to start at zero and then accelerate slowly.

Let’s say if your goal is to make a $100,000 a month. You first have to start making a $100 a month. Then you have to start making $300, $500, $1000, $10,000 a month before you can get to $100,000 a month.

That’s why in the beginning you have to aim small. But make sure that once you reach for what you have aimed, you will be still on the path to make it to your big dreams.

You can do manual physical labor and earn $100 a month. But that’s not scalable. So start with something that is scalable to the point where it meets your goals. Divide your end goals into chunks and go from one milestone to the other.

I made $4.96 today for an article published more than 3 years back!

I published a review of APC Back-UPS Pro more than 3 years back on my tech blog. I had linked to using my affiliate link and forgot about it.

Someone stumbled upon that page recently, clicked on the Amazon affiliate link and made the purchase. I earned a $4.96 commission from that.


The commission is 4% of the sale price – $123.95. It’s not big money, but small surprises don’t hurt :) I did not publish that article to make money!

The power of online content is evident from such events. Every article that you put out on the world wide web is an asset and will give you returns for a long time.

Content remains to be king when it comes to digital marketing and will remain so forever. Blogging is here to stay. It will not die in spite of social media, online video and other content channels.

Standard Chartered Manhattan Platinum Card Review (India)

I have been using the Standard Chartered Manhattan Platinum Card for a while and now this is a good time to write a review. This card was issued to me in 2012 with a credit limit of Rs.1,50,000.


One of the main reasons I bought this card was the attractive 5% cash back on department stores. I didn’t have much options other than Reliance Fresh. But if I spent Rs.100 on Reliance Fresh I would get Rs.5 cash back.

The statement is usually generated around 20th of the month and I have to make payments by the 10th of next month.

[Read more…]

Featherlite Optima Review – The Best Chair I’ve Ever Used

Since I sit for most of my day doing work on personal and professional projects, I have always wanted a damn good chair. I have tried different ones, but here’s the best: Featherlite Optima!


It has lumbar support and the best thing about it is that it has an adjustment to pull forward the seating cushion. Since I am almost 6 ft tall, I have long legs and in most of the chairs the front portion of my thighs always hang in the air. But with Featherlite Optima, I can pull forward the seating area which helps me rest my thighs all the way upto my knees and is very comfortable.

It comes with a very nice head rest. It also looks damn professional with chrome legs. The wheels are smooth and the chair moves very freely. The seating area is 100% horizontal to the ground. Many chairs have errors in manufacturing and will have 1 to 2 degree inclination which is not good for your back. I checked with the iPhone spirit level and it is 100% parallel to the floor line.

[Read more…]

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. [Read more…]

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”

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:

Google Places Search Results

Such listings will be much more useful for businesses which have an office / premises where customers walk in to do the transaction. It shows the map, the picture of the place attracts people to visit it, it shows the address and phone number too. Overall, the search result is more rich and helps in establishing a strong brand.

[Read more…]

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

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 works in India for FCY cheques)

Don’t get me wrong. I like to get paid! But almost all the affiliate programs that I participate in:, ClickBank, AdSense etc. either pay me via PayPal or deposit the money directly in my bank account. is the only affiliate program that is still sending me checks! :)

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But this doesn’t stop me from loving the affiliate program! It’s one of the best.

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

millionaireIf 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 worry about money for the rest of your life. 

Whatever your financial goal may be, reaching that goal doesn’t necessarily mean that you need to hold all that money in CASH. Because unless you are in a deflationary economy, inflation will eat away your savings. When you have converted your earnings into different forms, how do you calculate your net worth?

Your Levels of money:

  • Level 0 – Cash Balance: Liquid Cash in hand and in savings/current account. The money that you can use to buy something today.
  • Level 1 – Cash in Fixed Deposits, Loans to Friends & Family – things that can be liquidated quite soon if you need the money.
  • Level 2 – Cash locked up in precious metals, jewelry, fixed-term bonds, pending payments on a later date (accounts receivables) – things that can’t be liquidated immediately but is quite easy and quick to convert into cash if you sell at a below market rate.
  • Level 3 – Money locked up in the value of own house, real estate, work of art, equities etc. that take a long time to liquidate & mostly will never be liquidated.

Total Net Worth = (L0+L1+L2+L3) – Liabilities

if {total net worth > $1,000,000}, millionaire = YES!
else {keep thinking, working & making things happen}

You can notice that lower the liquidity of an asset, higher the appreciation over time. It makes sense to have least of L0 & L1 and most of L2 & L3. Ratios can differ from person to person depending on needs. I seem to have nearly 85% in L3+L2, 15% in L1+L0.

Your assets will appreciate or depreciate in value with time. You can update the numbers once in 3-6 months and watch how your net worth grows or shrinks. This exercise will help you to invest more in good assets and less in bad assets. Your brand new imported car is a bad asset which depreciates in value. Your home and real estate appreciates in value.

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

House-Prices-FallWe 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 estate prices can also go down.

In Spain, housing prices have gone down as much as 65%. In US, as everyone knows, housing prices crashed in 2007 and then it has recovered artificially because of some government policies like QE. Experts say that US housing pricing doesn’t have any other place to go except down, down, down.

Many people don’t want to believe that real estate prices can go down due to lack in demand. The housing price crash in US is largely attributed  by the media to unethical banking practices. Though the policies, rules and regulations have played a part in blowing up the housing bubble to even larger extent, the bubble would have never formed in the first place if there was no demand.

So where did the demand come from in USA? Who blew up the pricing?

Harry Dent’s research points to the fact that people buy big houses when the male/boss of the household is at 41-43 years of age. That’s because they will have teenage children and hence the need for a bigger home.

[Read more…]