Showing posts with label Money. Show all posts
Showing posts with label Money. Show all posts

Wednesday, 25 June 2025

Karma's Role In Unemployment

 I know a very wise man.


He draws one of the the highest salary given by the government of our country.


Once we were having a discussion about struggles during initial days.


He said that there was a time when his parents had almost nothing left to sponsor his studies.


While he was failing all exams by thin margins.


I asked him how did he deal with that phase.


He simply said-


“God has given me two hands, two legs and a mind. I was sure that if any day I simply go out and start driving or do some physical labor, I will at least earn food for two times. This thought kept me going with full force until I found my way”


His words did magic to my thoughts.


That day I learnt that-


If you can't earn at your current level, be it any reason, shamelessly step down and you will become the best among rest and easily earn a livelihood.


There is another example-


In 2008, due to recession, a person lost his job of around 40K a month.


He didn't get any job even after repeated searches.


Finally he stepped down from his current level, opened a Chaat (snack) cart, hired two employees, used good quality oil and fresh products.


Slowly he built a customer base.


And now after a decade, he has rented out a store and is earning much more than that job.


Keep doing your karma (deeds) shamelessly, unbothered about what others may think, and you will definitely find a source of income.


-Anubhav Jain


Changing Yourself or Changing the World ?

Here are some things to consider every time you worry about what others might think........

If you are jobless........



Wednesday, 19 February 2025

Salary in IT after 20 Years

It really depends on lot of factors. I will mention worst and best cases where salary can go. But before doing so let’s revisit what are the factors and how they can impact career growth.


  • Efforts: Does not matter whether you are IITian or Tier-3 guy. You have to be extremely hard working person to grow in IT career. It’s not like got job and now life is settled. Continue efforts for learning new things outside job can make wonders in long term. That’s where stories like “from 30k per month to 5L per month happens”
  • Proactiveness: One has to go over and beyond when it comes to office work. You should own the work instead of assuming it as burden. If you are proactive and go beyond your responsibilities, there are higher chances that you will get promoted.
  • Regular switch: This may be controversial but if you are not having background like IIT or some FAANG company on your resume only way to grow exponentially is to change companies on regular basis. Sure there might be good companies who provide really good internal hikes but if your starting point itself is low , hike won’t add much value. Remember 5% on 50L is much better than 12% on 10L.
  • League Of companies: Lot of non IT or even seasoned IT people think they have to learn some hot skills to earn more. But it’s far from truth. I saw some guys are ridiculing QA guys as if they are clerk. Let me tell you one thing, QA in google earns far more than so called talented Devs in TCS and Infosys. If there is single most factor which decide salary then it has to be kind company you are working in. Hence it is extremely important to be in right company.

Now having all context set here are the figures based on my judgement.

  • If you take absolute worst and best case, in worst case someone may not able to even get a job if get fired and is not skilled enough to get another job. So worst case is 0 salary. On other hand there is literally no upper limit for highest salary. Someone can become CEO of top product company if he/she has those skills and climbed ladder with right effort in right direction.
  • I am sure we are disappointed with first point and wanted something more realistic. Well if some one start with service companies like TCS, Infosys etc and never change company he mostly will reach at around 25–30L ish CTC after 20 years. If some one proactively kept on changing companies and joins FAANG or hot startups he may reach to even 5cr of CTC.

Note: Answer is written with context of software career within India.


-Santosh Kadam



Low Income Family?

Path of Education can also be very Beautiful





Sunday, 26 January 2025

I am currently working in Food Corporation of India which is a CPSE fully owned by the Government of India.

 I am currently working in Food Corporation of India which is a CPSE fully owned by the Government of India. Here are some of the perks that I think makes this organisation amazingly good for the employees welfare -

  • Working Hours - In an era where CEOs talking of 70 hours of work a week and Infact there are organisations where 10–11 hours a day is the new normal, we get to work for 7.5 hours a day after which you can pursue your hobby or spend time with the family and friends.
  • Leaves - We get 17 Gazetted Holidays, 2 RH, 20HPL/10 Medical, 8 Casual Leave and 30 Earned Leave. Also if worked on a holiday we get compensatory leave which needs to be redeemed within 3 months. Amongst these leaves, EL and HPL accumulate every year and ELs are also encashable during the service and at the time of retirement (maximum 300).
  • Medical facility - We get full coverage of treatment expenses of self and dependent family members for taking medical treatment from non-empanelled hospitals at CGHS rates. But if getting treatment from empanelled hospitals then there is full reimbursement of expenses as well as facility of cashless treatment and payments afterwards.
  • Salary on Time - We get timely salary in between 25 to 31st of the month and it never crossed the deadline of 31st even for once. This is one of the best things because in many state government jobs salary gets accrued for months which makes it difficult for the employees to even pay for basic needs without taking loans.

There are many cons as well. That's an story for another day.

-Vishal Kumar Dubey


Worked hard yet failed

Wednesday, 26 May 2021

More Hardwork = More Money

The greatest secret of earning wealth is the ability of a person to suffer failure and learn the lessons from failures instead of quitting.

If you are not willing to fail, you don’t have chances to become rich by your own effort.

There are many jobs that are so easy to be done that no one fails. For example, if you choose to be a labourer, worker in a factory, maidservant, driver, there is hardly any chances of failure as everyone can master these jobs quite easily.

Yet you can never become rich doing these jobs even if you are working 18 hours a day.

However, there are other professions, where the chances of failures are very high. For example, when we attempt to learn any subject in our schools and colleges and try to solve a problem, we fail multiple times before we start finding the right answers to the questions.

We keep learning from every mistake, and soon we stop making mistakes in solving the problems which looked so difficult to us once.

When you pass your college and choose a profession, there are some jobs where the chances of failures are very high and there are somewhere the chances of failure are very low.

( It does not mean you don't have to work hard but you have to work  Hard Then Super Hard but in the Right Direction and on the Right Path ) 

My Life Story: 5000 rupees to 500 crores (Last Part)

Read the first part here before proceeding below :  First Part A fter running the coaching center in Guntur for one year, I had to shut it d...