The Monday Roundup

Published: August 3, 2015 at 9:12 am

Last Updated on January 2, 2018

Starting this week, I would like to post a roundup, each Monday with three or four segments:

(1) a list of posts published the week before, just in case you were too busy last week.

(2) a short note on a physics fact. Some readers suggested I do it, so let me give it a shot.

(3) short notes or links to financial stuff I read last week. I read very little, but would like to force myself at least for the roundup post.

(4) a short list of posts from the archive for the benefit of new readers.

Why Monday? I prefer to publish heavy posts (calculators, analyzers etc. between Thursday to Sunday). Hence, Monday seemed like a natural choice. Blog stats suggest that readers use Monday to catch up on posts published the previous week.

I will do my best to ensure regular readers are not bored with this post using segments (2) and (3).

The week that was …

#> Notes from Dr. Shashikants talk on July 26th at Bangalore. Will post the Excel sheet she used this week.

Nuggets from the workshop on “strategic personal finance”

#> A post on early retirement (by me) always seems to divide the readers! An early retirement illustration.

How much do I need to retire early in India?

#> My workshop with Ashal Jauhari.

DIY Investor Workshop at Bangalore -Aug 23rd 2015

#> A question asked at the July 26th workshop.

How do I reduce clutter in my mutual fund portfolio?

An attempt to bust a myth about passive income.

‘Passive’ income requires ‘active’ involvement!

#> An e-book based on a (nearly) unabridged collection of 20 posts written earlier. Thank you for generous reception.

 From the archive

#> How Much Insurance Do I need? Use this comprehensive needs approach insurance calculator to find out.

Need-Based Approach Insurance Calculator

#> Dr. Jacob Lund Fisker is a theoretical physicist who became financially independent in 5 years by saving upwards of 75% of his take-home pay. He has also written a book about how he did it. A calculator based on his approach. I am of the opinion that his method will not work in India (Is it possible to retire early in India?)

Early Retirement Extreme Calculator

#> Thinking of taking a car loan? Hold it right there! Did you know that the value of a brand new car depreciates by 20% when you drive out of the showroom! Add to this a 15% depreciation in value each year (assuming normal wear and tear) the govt recommends! Read on …

Think Before Taking a Car Loan!

#> Use this calculator to simulate Sensex returns from 1980 onwards. This gives you an idea of how the stock market works.

Sensex Return Simulator

Our Crazy Universe!

If you type atom in Google and click on images, you will get a screenshot like this.


Most of us, even students after two courses of quantum mechanics picture the atom this way. The nucleus is the centre and electrons are moving around in nice definite orbits. In such a model, nothing prevents the electron from spiraling towards the nucleus. In this model, the standard deviation (that again!) of the electron is zero (like a fixed deposit)

In order for us to develop a model of the atom that is stable, it is mandatory to assume that the standard deviation or the uncertainty associated electrons position is extremely large. Meaning, we do not know that path traced out by an electron in an atom. We cannot  know for the stable atoms and the Universe itself to exist!

For an atom to be stable, the electron’s path and be fuzzy which cannot be detected by the most sophisticated detector we have.  Newton’s laws that help us detect the position of Chandrayaan or Mangalyaan to great precision, cannot be used to explain what the electron in a Hydrogen atom is doing!

Next time you think of an atom, think of a beehive with bees buzzing around so fast that you cannot track the bees.

Here’s hoping we all have a good week ahead.

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About the Author Pattabiraman editor freefincalM. Pattabiraman(PhD) is the founder, managing editor and primary author of freefincal. He is an associate professor at the Indian Institute of Technology, Madras. since Aug 2006. Connect with him via Twitter or Linkedin Pattabiraman has co-authored two print-books, You can be rich too with goal-based investing (CNBC TV18) and Gamechanger and seven other free e-books on various money management topics. He is a patron and co-founder of “Fee-only India,” an organisation to promote unbiased, commission-free investment advice. He conducts free money management sessions for corporates and associations based on money management. Previous engagements include World Bank, RBI, BHEL, Asian Paints, Cognizant, Madras Atomic Power Station, Honeywell, Tamil Nadu Investors Association, IIST Alumni Association. For speaking engagements, write to pattu [at] freefincal [dot] com
About freefincal & its content policy Freefincal is a News Media Organization dedicated to providing original analysis, reports, reviews and insights on developments in mutual funds, stocks, investing, retirement and personal finance. We do so without conflict of interest and bias. Follow us on Google News. Freefincal serves more than one million readers a year (2.5 million page views) with articles based only on factual information and detailed analysis by its authors. All statements made will be verified from credible and knowledgeable sources before publication. Freefincal does not publish any paid articles, promotions, PR, satire or opinions without data. All opinions presented will only be inferences backed by verifiable, reproducible evidence/data. Contact information: letters {at} freefincal {dot} com (sponsored posts or paid collaborations will not be entertained)
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