Trial and error.

Business, Money, and, Self Help books

  1. The Fountainhead by Ayn Rand
  2. The Effective Executive by Peter Drucker
  3. Think and Grow Rich by Napolean Hill
  4. The Total Money Makeover by Dave Ramsey
  5. Money Guide 2016 by Jonathan Clements
  6. Rich Dad, Poor Dad
  7. How Rich People Think
  8. The Richest Man in Babylon
  9. The Automatic Millionaire by David Bach
  10. The Little Book of Common Sense Investing by John C. Bogle
  11. The Behaviour Gap by Carl Richards

4th ODI. India tour of Australia. January 2016.

Oh my oh my oh my.

How to snatch defeat from the jaws of victory: Story of India’s 4th ODI versus Australia.

India could not have fluffed this up any worse. On course to take their 1st win in 4 ODIs, India threw their wickets and gifted the match to their opposition.

First Innings

The match got off with Australia batting and their openers leading them to a good start. Half centuries by both, eventually one 90 and a centurion among them.

Once Warner departed, Flinch carried on and so did nearly every other batsman around him.

Half centuries from SMith and Warner, and a quick fire 45 from Glenn Maxxwel propelled the Aussies to a score close to 350.

Now would this be the 4th match in a row in this series which the side batting second would win? Only time would tell.

Second Innings

India Started off with a bang!

Rohit Sharma going cray cray from the get go and him and Dhawan didn’t waste any time to get their team off to a flier. It looked like a big daddy 100 again from Mr. Sharma but he was dismissed when he gloved a short ball to the keeper.

In comes Virat Kohli.
Arguably the best ODI batsman India has right now.
The next best (maybe even THE best) in a few years to come since a certain Sachin Tendulkar.

Kohli and Dhawan spanked the Aussies like a middle grade teacher in an Indian private school.

4s and 6s were flying to all parts of the ground. The crowd was getting as much air time as the outfielders.

Before we knew it, they had their 50s and their 100s!

Wham, Bam, ……………..

But when has the Indian team ever done things simply and not ‘thrown’ away matches?

First went Dhawan, then Dhoni, then Kohli, then Gurkeerat, then Rahane,then………you get the jist.

From 272/1
323 all out.

51 runs 9 wickets.

A fall from grace like no other.

This was the match that the men in blue could assert themselves and convinced themselves more than us the viewers and fans that the first 3 ODIs were no walk in the park for Australia. But instead, they showed that no matter how good they performed, the Aussies were always a step ahead of them.

Poker 101: Intro and the basics



Poker: A card game played by two or more people who bet on the value of the hands dealt to them.



Poker has gathered a lot of fame (and some contempt) in the last decade and some.

Even though it has been around for centuries (the French played it, Americans mastered it), it’s only been since the early 2000’s that Poker has become the game it is today.

Until recently (before e-commerce), it was the second highest billed source of revenue via the digital medium (second only to pornography), such is the magnitude of this game that not only can it be played as a friendly game of cards or live in the casino, but with the internet, it is now being played daily by millions (yes millions!) of players online with transactions crossing 100s of millions of $$$/day.

So what is this game and where to begin?


(Here we’ll be learning how to play Texas Hold’em, the most famous and common variant in Poker)

  • Each player is dealt 2 cards face down. They are called your ‘hole cards‘.
  • Then there is a round of betting. The purpose of each round of betting is to determine which player stays in that hand and which player doesn’t.
  • (During these rounds of betting, each player has 4 ways he/she can act: ‘check, call, raise, fold‘)
  • Once all the bets are matched, 3 cards are opened (the opening of these 3 cards is called the ‘flop’)  face up on the table. These 3 cards are common for all the players active in the ‘hand‘. Then there is another round of betting.
    Then 1 more card (4th common card called the ‘turn’) is opened, another round of betting.
    Then the 5th card (called the ‘river’) is opened, another round of betting, and finally when the bets are matched all the players show their ‘hole cards‘ and the one with the highest rank (???) among them wins all the money collected in the pot.


Simple? Not quite.

The question which begs to be asked is what are all the players playing for? And how is the winner determined?

The answer to the first question is simple. During each round of betting, money keeps getting accumulated in the ‘pot’. Thus, there is literal money to be fought over.

And as to how is the winner determined? This is a two part answer.

When players choose to ‘fold’ it means they are opting out of that particular hand. Thus they have no stake/claim to the money in the pot.

So when a player is the lone man in the hand, the money in the pot goes to him.

The second way of winning is when after the last and final round of betting, there are player(s) i.e. more than 1 player in the hand, then all those players display their ‘hand’. The one having the highest rank among them wins.

Card Ranking

There is a definite ranking of cards. In Texas Hold Em, we have to make a combination of 5 cards. And we have 7 cards to choose from. 2 are our ‘hole cards’, whereas there are 5 on the board which are common to the table.

Ace, King, Queen, Jack, 10, 9, 8 , 7, 6, 5, 4, 3, 2

Above are the rankings of the cards.

The ranking of the best 5 goes as follows:  (lowest to highest)

  1. High card:
    eg: Ace-Jack-6-4-3
  2. One pair:
    eg: 10-10-king-7-2
  3. Two Pairs:
  4. 3 of a kind:
  5. Straight:
  6. Flush:
  7. Full house:
  8. Quads:
  9. Straight Flush:



FA CUP 2016. Draws for round of 16.

The FA Cup.

Premier (domestic) Cup competition. 

With just a few of the ‘Round of 32’ fixtures remaining, we can look ahead to the next round of matches.

These matches will be played on January 30th and January 31st.

With no big killers or upsets from previous gameday (Swansea ain’t really a big team but sure Oxford did beat a team 4 divisions higher than them and one which plays in the Premier League), below mentioned are selected fixtures,

(Home) v (Away)

Colchester v Spurs/Leicester

Derby County v Man United

Arsenal v Burnley FC

Crystal Palace v Stoke City

Wycombe/Aston Villa v Man City

Nottingham Forest v Watford

Ipswich/Portsmouth v Bournemouth

Exeter City/Liverpool v West Ham United

Carlisle/Yeovil Town v Everton

Northamton/MK Dons v Chelsea


  • 1 definite and 2 more possible EPL clashes in the FA Cup.
  • This should mean the EPL teams should go through to the next round albeit a few tricky away fixtures for a couple of the big teams.
  • Arsenal the defending champions of the last two years play at home, huge advantage to them.
  • Next round should be interesting with a possibility of 10 teams out of 16 from the EPL.
  • I predict an exciting last 3 rounds of this year s competition.
  • The repeat legs of the drawn matches from the ‘Round of 32’ will be played on 18/19/20 of January.


2nd ODI. India tours Australia. January 2016.

(See previous article)

Could the script have been any more similar?

Rohit Sharma century. India score over 300. Still fall short.

Yes believe it or not, India did manage to score over 300 and lose again.

Put in to bat first, India lost Dhawan early. Sharma and Kohli came together and put on a repeat of their partnership in Perth. This time, no 90s for Kohli nor a big daddy 100 for Sharma.


Ajinkya Rahane came in and didn’t let the scoring drop despite people around him failing to gain momentum and do the same.

India scored 308.

Australia started their chase cautiously without losing any wicket for the first 20 odd overs.

Finch and Marsh (Warner didn’t play due to the birth of his second child) were rather conservative at first but post the 19th over drinks break let loose.


The Aussies didn’t really suffer any hiccups as they increased the scoring rate and even with the fall of a wicket, the next batsman would continue the job the previous one had left behind.

Half centuries from Finch, Shaun Marsh, and, George Bailey, ensured Australia got home safe and sound.

Next up is the MCG!

Sunday. 0900 IST. Day-nighter.

Can India finally win an ODI? SHould they bat second and do what they are good at which is chase down a target? Will the bowling of either team be able to restrict the opposition to less than 300?

It all remains to be seen.

1st ODI. India tours Australia. January 2016.

India began it’s tour of Australia with the first of five ODI’s at the WACA. A ground which has been known in cricketing folklore for producing one of the fiercest pitches for batsmen to face, has lost its sheen over the last few years.

India were put in to bat first. And things looked as normal as they could get after the first 10 overs. 50 odd for the loss of 1 wicket. Proper ODI score. From there, Kohli and Sharma, India’s two best limited over players took the game away from Australia. They put on a massive 200 run partnership which would seem to deflate the Aussies only if the job was finished.

Sharma proving that he is a class limited overs players. 171* in Australia. Against Australia. Carrying the bat. wow!

India’s Rohit Sharma raises his bat after reaching 100 runs during the one-day international cricket match between India and Australia in Perth on January 12, 2016. AFP PHOTO / Greg WOOD –IMAGE RESTRICTED TO EDITORIAL USE NO COMMERCIAL USE– / AFP / GREG WOOD (Photo credit should read GREG WOOD/AFP/Getty Images)

But alas, their partnership was only good enough for India to put on a 300 odd score on a wicket which seemed to require a 330 odd score. But India had Ashwin, right? Right!

Aussies came in to bat. Lost two wickets to the next Indian bowling sensation (always the next) ‘Sran’, and it seemed as if 300 was a good score. Then Smith and Bailey reminded us how it used to feel when an Indian batsman would hit a magnifique century and yet India would be on its way to losing the game.


Long story short, Bailey brought up his 100. So did Smith. Bailey got out. Right towards the end so did Smith. But that didn’t stop India from losing the game which you might argue they should have won.

Props to the Aussies for not deflating when they were 2 down chasing 300.

On to the next one.
January 15th.

#Story of Vijay Shekhar. PayTM Founder.


“It (his success) still seems so surreal.”
– Vijay Shekhar Sharma

Vijay Shekhar Sharma is what you’d call a child prodigy. He passed his higher secondary school at the age of 14, enrolled at the Delhi College of Engineering at the age of 15, and all this when he didn’t even understand English.

Vijay hails from Aligarh,  a city in the North Eastern state of Uttar Pradesh. His father was a disciplinarian high school teacher, and his mother, a housewife.

Vijay idolized Sameer Bhatia (Hotmail) and Yahoo. He dreamt of going to Stanford as that is where Yahoo was built. But the financial restraints and lack of sufficient knowledge of the English language turned him into a different direction.

Vijay’s entrepreneurial journey began while still in college. He learnt how to code by himself. He build a company, sold it. Built another one, and the dream of reaching Silicon Valley felt nearer and nearer. But then the stock market crashed, and the internet bubble burst.

Things went from bad to worse when each time he fought back, he was faced with adversity.

This would also become the darkest time in his life, when having his dreams of reaching the Silicon Valley shattered, he was also left bankrupt by his partners, with whom he had just begun a business and raised the first round of funding. In 2005, he had raised a hefty amount of Rs 8 lakhs through his venture of which he was conned off 40%. He was devastated. But Vijay was not a man to give up so easily. He lived at a hostel near Kashmiri Gate in Delhi, skipped meals and walked long distances to attend work or meetings in the southern part of the State.

Things finally starting looking up when he launched ‘One97‘, the parent company of ‘PayTM’. ‘One97’ was a VAS or Value Added Service provider for premium or paid content to mobile phone operators. Him and his peers went through the usual up and down with One97 until one day he pitched the idea of entering the ‘payment ecosystem’ to his board.

The board was not convinced.

Instead of saying F*** You, cashing out, AND THEN starting his own company, he decided to stick with One97.

2010 is when he founded ‘Pay Through Mobile’. Over the last 5 years it has gone on to become one of the biggest ‘startup’ companies in India and  a leader in it’s vertical.


“Some other entrepreneur would have sold the equity and started their own company. But I aspire to build a 100 year old company. I think that men and boys are different because the boys flip and sell. Men run and build legacies,”

“30% of the company’s campaign budget is invested in building trust with the customer. For us it was the single most important factor,”

“I have always wanted a business partner and not a syndicated investor. Our relationship with “business partner/investor” is of a journey together. There are four people who own this company- me, SAIF, Alibaba, Alipay, says Vijay, in his usual animated way.

“When something’s not working, I become the customer,”


Bad money habits to break

  1. Using out of network ATM
  2. Buying coffee/lunch everyday
  3. Not tracking your expenditure
  4. Only paying the minimum on your credit card
  5. Making late payments
  6. Don’t shop cheap, shop ‘value’

7 pieces of fantastic career advice

  1. Richard Branson‘s mother taught him that regret is simply wasted energy.“The amount of time people waste dwelling on failures, rather than putting that energy into another project, always amazes me,”The Virgin Group founder and chairman told The Good Entrepreneur. “I have fun running ALL the Virgin businesses — so a setback is never a bad experience, just a learning curve.”


  2. An early mentor taught Mark Cuban that the most important skill was to listen.He told Cuban at the start of any meeting, write the word LISTEN at the top of his notebook and use it as a reminder through the whole meeting.By listening, he didn’t mean simply being quiet, waiting for his turn to talk. He meant really focusing on what the other person was saying.


  3. Almost six years ago, Amit Singh left a good, prominent job at Oracle to help Google build a new, and at that time unproven, business, its Google Apps for Work.It felt like a risky move at the time, and he had to move his family from Boston to the Bay Area to do it.Looking back, what he learned is good advice, he told us.

    “When you are at that moment: take the chance. I mean some might feel that this was a small chance for me, but it didn’t feel like that to me at the time. I had a great career going at Oracle, so to shift here was a big thing,” he says.

    He learned that sometimes you have to take “a sideways move to get to something bigger, which may not be obvious right away,” he says.

  4. Some time ago, Jerry Seinfeld did a Reddit AMA session where he offered some great career advice.He said the wrong advice you could give to a new comedian, or any young professional, is that “you have to do more to promote yourself. That’s the worst advice. The best advice is to do your work, and you won’t have to worry about anything else.”


  5. VaynerMedia cofounder and CEO Gary Vaynerchuk is also known as a long-time tech advising/investor involved in more than 50 startups like Twitter, Tumblr, Medium, Birchbox, Uber, and Venmo.He reportedly became a millionaire by age 35. He says,”If I had to pick one habit that has really changed everything for me, I would have to say it is this: being able to reverse-engineer the finish line of my career in real time.

    He adds, “When I say reverse-engineer, I’m talking going back, step by step, from that big dream you have to this very moment in time. Figure out what the steps are.”

    And he says, you can’t simply mimic what someone else has done. “You can only do what is right for you.”

  6. When Steve Jobs was a 12-year-old kid, he picked up the phone and called legendary tech founder Bill Hewlett to ask him for spare computer parts.Hewlett wound up giving him a job.He said in an interview in 1994 that what he learned from that, is that most people don’t have those kinds of experiences simply because “they don’t ask.”

    So the key to success is very simple: ask for help.

    “I’ve never found anybody that didn’t want to help me if I asked for help,” Jobs said.


  7. Marc Andreessen’s success started with Netscape. He launched and sold other companies and today is known as one of the Valley’s most powerful venture capitalists.His career advice comes in two parts. First, he says this idea of “following your passion” is “dangerous and destructive” because it’s only shared by those who have become successful doing what they love.But there’s plenty who have not hit it big doing what they loved.

    It’s better to focus instead on “do what contributes” instead, creating a benefit for other people. Those are the folks most likely to be happy.


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