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Notes on Inequality# 19.Climate Change : An Often Overlooked Driver of Inequality
An insightful post from the Wealth Inequality Initiative that is worth reflecting on. A reminder that climate change deepens…
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Can Hope Be Designed into Public Policy?
Can Hope Be Designed into Public Policy? HOPE : From Inequality to Opportunity. [ Highlighting Opportunities for Poverty Eradication…
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Timing Matters in PPF
Personal Finance Insight #29 Timing Matters in PPF Many investors focus on how much to invest in PPF, but…
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How Much Money Will I Need When I Stop Working?
Personal Finance Insight #28 Retirement Is Earned Over Years. Planning your retirement starts with one big question : “How…
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Notes on Inequality #18. Rural vs Urban
Rural Urban Inequality. Distance from cities shouldn’t mean distance from opportunity. Rural-urban inequality is rooted in access. In many…
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Notes on Inequality #17. When Wealth Exceeds Nations.
Notes on Inequality Series #17. I recently came across a thought-provoking post by Acharya Prashant on the subject of…
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Smart EMI or Smart Marketing?
Personal Finance Insight #27 Smart EMI or Smart Marketing? Credit cards are convenient, but convenience can become a very…
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Notes on Inequality#16. One trillionare or a thousand billionaires?
One trillionaire or a thousand billionaires? A question worth debating. Elon Musk’s reported rise to a net worth of…
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DBT’s Missing 4th Layer : People
HOPE: From Inequality to Opportunity | Series #6. DBT’s Missing Fourth Layer : People. Three Layers Built India’s…
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NotesOnInequalty#15.4. Wealth Without Welfare
Post 15.4. Notes on Inequality | Wealth Without Welfare (Nigeria). When Wealth Divides. Natural resources can create prosperity – but…
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Notes on Inequality#15.3. Partial Inclusion.
Post 3. Notes on Inequality | Partial Inclusion (Gulf countries). Shared – but not equally. In many Gulf countries, resource…
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Notes on Inequality#15.2. Direct Cash Transfer(Alaska)
Notes on Inequality | Direct Cash Transfer (Alaska). Sharing Wealth Directly Some models go a step further. In Alaska,…
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Notes on Inequality#15.1.Natural Wealth When Shared
In this next set of Notes on Inequality, I explore how natural resource wealth shapes distribution. Across countries the…
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When A Nation Thinks Like a Guardian of the Future
In 1969, Norway discovered oil in the North Sea – the Ekofisk field, one of the largest finds of its…
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Notes on Inequality#14. Smart Cities. Unequal Societies.
Smart Cities. Unequal Societies. True Progress is Measured Not Only by GDP; But by Dignity at Home. An interesting contradiction…
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Notes on Inequality#13. Four Voices, One Truth.
Four Voices. One Truth. “How does one put together a democracy based on the concept of equality while running…
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Rethinking Welfare Architecture
HOPE: From Inequality to Opportunity | Series #5. Targeted towards genuinely needy and most vulnerable. Revisiting my earlier thoughts on…
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Notes on Inequality#12. Who Files More Patents Earns More Rents.
Inequality of Ideas. Who files more patents, earns more rent. Intellectual property rent is the extra income earned from…
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Protecting Millions from Silent Financial Traps
Weekly blog #34. Protecting Millions from Silent Financial Traps. A recent policy direction on regulating online real-money gaming reflects how…
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A Model to Address Inequality — My Article on the Julius Baer Foundation Knowledge Hub
HOPE: From Inequality to Opportunity | Series #4. (Featured). Wealth Inequality Initiative by Julius Baer Foundation Inequality remains one of…
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Notes on Inequality#11. Formal vs Informal Divide
The rollout of GST was a necessary reform for bringing transparency and uniform taxation. GST accelerated formalisation, though not…
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Notes on Inequality #10. When Equality Hides Inequality.
Sometimes, “more equal” means “similarly struggling”. Or, we can just say, when everyone is equally poor, the data calls…
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Notes on Inequality #9. When Prices Rise, Inequality Deepens Silently.
When Prices Rise, Inequality Deepens Silently. An important but often overlooked driver of inequality is inflation. It does not affect…
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₹166 lakh crore in 1688 hands — can ₹7 lakh crore a year change India’s future?
Weekly Blog # 33. ₹166 Lakh Crore in 1688 Hands – Can ₹7 Lakh Crore A Year Change India’s Future?…
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Notes on Inequality#8. An Economy Grows Strongest Where Credit Reaches the Smallest Hands.
In my last notes, I spoke about inequality in land and representation. But inequality also exists in something less…
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Notes on Inequality#7. A Small Piece of Land Can Change a Family’s Destiny.
A Small Piece of Land Can Change a Family’s Destiny. Reform the land, reshape the future. A recent report…
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Notes on Inequality#6. Education vs Business? The Line is Blurring
Education or Business? The Line Between Learning & Profit is Blurring. Rising privatization in education has quietly widened the…
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Notes on Inequality#5. Fair vs Unfair Inequality.
Not all inequality is the same. Fair inequality rewards effort, skill, and innovation. The outcomes differ despite equal opportunity –…
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A ₹2 Lakh Policy Cannot Replace a ₹40000 Monthly Income. Then Why Do We Still Buy?
Personal Finance Insight #26 Over the years, I’ve seen one pattern – families often realise too late that their ‘insurance’…
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Notes on Inequality#4. Is Inequality Needed For Growth?
But evidence does not clearly support this. Growth does not need inequality – it needs opportunity. Growth built on…
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Notes on Inequality#3. The Cost of Not Understanding Money.
The Cost of Not Understanding Money A small financial mistake for the privileged is a lesson. For the vulnerable, it…
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Notes on Inequality#2. When Money Overrides Merit
Notes on Inequality#2 When Money Overrides Merit. When education has a price tag, merit becomes optional. Seats go to those…
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Notes on Inequality #1. In Every Crisis, Inequality Finds a Way to Widen.
The greatest irony of war? It punishes those who neither start it nor benefit from it. Developing countries absorb the…
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Notes on Inequality ..a new series
Starting Something New….. I have been reflecting on small, everyday aspects of finance, economics, and inequality – often subtle, but…
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An Unequal World is an Unstable World
With this 31st post, I reflect on a growing global concern. A recent insight from EQUALS highlights a striking…
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Between Reality and Change Lies Hope.
HOPE: From Inequality to Opportunity | Series # 1. Introducing the P2P Model. As this series reaches its 30th post,…
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Pay 2 extra EMIs. Save 6 years.
Personal Finance Insight #25 Most home loan borrowers focus only on EMI – but a small tweak can save you…
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Financial Stress is Common, But it Shouldn’t be Normal
Personal Finance Insight #24 Financial Stress : The Silent Productivity Killer in the Workplace. Financial stress rarely shows up in…
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Citizen Participation Layer for India’s Digital Public Infrastructure
HOPE: From Inequality to Opportunity | Series#2. DBT’s Missing 4th Layer: People Citizen Participation Layer for India’s Digital Public Infrastructure.…
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The easiest way to grow is to reduce financial leakage
Personal Finance Insight #23 Your first investment return is the interest you stop paying. According to the latest Financial Stability…
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High PE isn’t expensive if growth justifies it. Enter PEG.
Personal Finance Insight #22 When we invest in shares, we should not just see the price – we should ask…
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Rethinking Welfare Architecture
HOPE: From Inequality to Opportunity | Series #3. Rethinking Welfare Architecture Across India several states are expanding Direct Benefit Transfer (DBT)…
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Understanding NAV & INAV: Why?
Personal Finance Insight #21 Understanding NAV and INAV : Why? With the growing popularity of ETFs – especially Gold ETFs…
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When Forced Savings Disappear — The Hidden Cost of New Tax Regime
Personal Finance Insight #20 The new tax regime promises simplicity – lower rates, fewer deductions, less paperwork. For many taxpayers…
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P2P DBT — A Model for Poverty Eradication
HOPE:From Inequality to Opportunity | Series #2 . P2P Model Over the past several months, this blog has focused…
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“Mutual Funds Sahi Hai” — but, to what extent?
Personal Finance Insight #19 “Mutual Funds Sahi Hai” is one of the most familiar financial slogans in India today. It…
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Before Chasing Returns, Fix Your Allocation
Personal Finance Insight #18 In my previous blog(18th), I emphasized the importance of identifying your risk profile – this is…
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Know Your Risk Profile Before You Invest
Personal Finance Insight #17 Understanding Your Risk Profile: The Most Ignored Step in Investing. The right portfolio begins with the…
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Buying Your Home? Calculate Time, not just Price.
Personal Finance Insight #16 I had an interesting experience while accompanying a close friend and his family to Mira Road…
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The Magic of Compounding
Personal Finance Insight #15 The Magic of Compounding : Small Steps, Big Wealth. Compounding is often called the eighth wonder…
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Understanding Ponzi Schemes : The First Step To Financial Safety
Personal Finance Insight #14 Every scam starts with a sweet promise. Don’t bite. In today’s fast-paced world, everyone is looking…
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Retirement is Earned Over Years — Begin Your Journey Now
Personal Finance Insight #13 Planning your retirement starts with one big question : “How much money will I need when…
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The Risk of Living Too Long
Personal Finance Insight #12 The Risk of Living Too Long! In my 3rd Blog, I discussed the importance of life…
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The Seven Rules That Saved Me from Trading Losses
Personal Finance Insight #11 As a financial planner, it may sound unusual for me to write a blog on trading.…
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The Day You Stop Chasing Money
Personal Finance Insight #10 If you’ve visited my blog, you’ve surely seen that banner – birds breaking free from their…
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When The Market Lies — Check The Book Value
Personal Finance Insight #9 When The Market Price Lies – Check The Book Value In my previous blog, we discussed…
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Valuing a Share — The Easy Way to Begin
Personal Finance Insight #8 Every company tells two stories – one through its profits and the other through its worth…
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Equity Rewards The Brave — Safety Has It’s Cost
Personal Finance Insight #7 Equity Rewards The Brave – Safety Has Its Cost If someone had told you in 2003…
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Financial Yield Matters
Personal Finance Insight #7 Why Financial Yield Matters in Investing. I’ve received a few suggestions that I should occasionally switch…
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The Four Pillars of Investment
Personal Finance Insight #6 The Four Pillars of Investment: What Every Investor Must Know Investment simply means putting your money…
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Credit Card : The Dark Side of Plastic Money
Personal Finance Insight #5 Credit Card : The Dark Side of Plastic Money In my last post, I talked about…
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Financial Goal Setting
Personal Finance Insight #4 Financial Goal Setting: The Foundation of Your Money Journey.Think of financial goals as your Google Maps.…
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Adequate Protection – Life & Health Cover Before Setting Goals
Personal Finance Insight #3 I thought of writing about goal setting in today’s blog, but I changed my mind to…
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Emergency Fund
Start with an Emergency Fund Before Anything Else. Before you dive into financial planning, the very first step you must…
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Habit of Saving : The Foundation of Financial Well- Being.
Personal Finance Insight #1. “ We are what we repeatedly do. Excellence, then, is not an act but a…
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