A napkin drawing is a rough sketch drawn to effectively communicate an idea. It is called a napkin drawing or a back-of-the-envelope sketch because it can be done anywhere. Carl Richard’s napkin drawings are famous and he is an inspiration for me to attempt the same. A visual representation of a complex fact can be quite convincing….

Dear friend, can we please take a moment to recognise that the art of doing nothing is dead? We are no longer capable of sitting still for a short while without reaching for our mobile phones, computer, or the television. The art of idling has breathed its last and perhaps the end began as much as…

Albert Einstein is supposed to have said,  “The more I learn, the more I realize how much I don’t know.”. Aristotle is also credited with a similar quote. Applied to what I do at freefincal, that quote would read as, “The more I stare at Excel sheets, the more I realize their limitations”. Here is a…

“Schools suck, the system sucks, everyone sucks”. Sounds familiar? You may have probably said at some point in your life – perhaps as a parent, perhaps as a student and perhaps as a teacher!! A discussion on why homeschooling is essential for every child, whether they go to school or not! Before we begin, a…

I describe my lessons from losing weight, gaining it back and losing it again! I have always had a problem with my weight. Thankfully I also had a metabolism that instantly responded to lifestyle changes. So in my case, it was a matter of whether I ate right or not. This is unfortunately not the case…

The other day, my 6.5 year old asked my wife, “mama when will I get married?”. Surprised, she quickly collected herself and said, “first, you need to finish school, get a college degree (or two or ahem .. three!), get a job and then you can get married”. To this, he replied, “Okay, then I…

I often wonder about who is a teacher? Or what defines a good teacher. People often expect a teacher to inspire and motivate. How exactly does a teacher do that? A teacher without passion can suck out the soul and spirit of eager young minds much like a dementor in the Harry Potter stories. Unfortunately, many join up as teachers because…

Emotional spending refers to the instinctive disbursal of money and time at the cost of physical and/or financial health. Decisions are made in order to “feel better” without thinking about consequences. Without sitting in judgement on whether this is a good or bad, here are some thoughts on the subject. It is fashionable to say that…

My family has had more than its fair share of interaction with the medical community. In this post, I list some of our most important learnings. Trust is the most important ingredient in the doctor-patient relationship and in spite of all that has happened to us, we still manage to trust our doctors, but not blindly….

Here are some common misconceptions about frugality and frugal folk. What is frugality? Wikipedia makes a wonderful reference to a behavioural science research paper titled, “Lifestyle of the Tight and Frugal: Theory and Measurement” The authors state, “Frugality is conceptualised as a lifestyle trait reflecting disciplined acquisition and resourcefulness in product and service use. Frugality…

‘Price discovery’ refers to the way in which the market arrives at a price for a commodity driven by supply and demand. The government is gradually moving towards a regime of 100% price discovery. That is, interests rates will be marked to market. I think it is high time we promote price discovery of our college…

A little while ago, I was invited to participate in an informal gathering of humanities students from various institutes. We watched the movie, Hector and the search for happiness and there was a presentation by a student who was studying the movie for a mini-project and a discussion on ‘what makes us happy’. The title, Side effects…

Last week I had written a post about exams: Do marks determine the future of our children? and received many insightful comments (as always). Two comments rang  a few bells in my head. Hence this post. Context: I wrote, Marks represent effort. Marks do not represent knowledge or intelligence. Mr. Arvind wrote: there is a difference between ”…

Every March, thousands of households are stressed out because of school board exams. The 12th standard exam is considered as the make or break exam in determining the future of a child. How important are marks/grades in determining the future of our children? Do board exams represent a do-or-die situation? It is very easy to say…