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How to Use NPS Tier II Account for Higher Returns & Greater Flexibility

NPS is Misunderstood The National Pension System (NPS) is often misunderstood. Unlike other investment vehicles, NPS is specifically designed for retirement planning . Every feature of this product is geared toward long-term investing , making it fundamentally different from conventional investment options. Financial security is a basic human need. For those earning a salaried income, receiving a monthly paycheck provides a sense of stability. Naturally, we want to maintain the same sense of security even after retirement. One of the best ways to generate a steady post-retirement income is through an annuity . An annuity works by investing a lump sum amount, which then provides a fixed income at predefined intervals — in this case, monthly payments. Importance of Annuities Scientific research has proven that humans are not biologically wired to make complex decisions repeatedly. Our brains tend to rely on shortcuts, which can often lead to poor decision-making . Emotions like f...
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Why I Prefer Microsoft's Certification Policy Over AWS'

I appreciate Microsoft's certification policy. Like Salesforce, they do not require candidates to retake an exam to renew their certifications. Instead, passing an online assessment is sufficient to maintain validity. Even better, Microsoft's Fundamental certifications do not expire. Microsoft takes it one step further by offering region-specific pricing. Unlike Salesforce and AWS, where certification costs are listed in USD, Microsoft's exam fees are displayed in INR and adjusted to India's pricing capacity, making them more affordable. Additionally, Microsoft provides a dedicated learning platform to help candidates prepare for exams, similar to Salesforce's Trailhead. I have successfully completed and passed 5 fundamental certification exams, including achieving a perfect score of 1000/1000 in the Azure Data Fundamentals exam. It’s unfortunate that AWS does not offer free renewals, making it less accessible compared to Salesforce and Microsoft. You can check out ...

Why I Chose to Learn Salesforce?

My #Journey2Salesforce Salesforce.com ๐Ÿ”ฅIntroduction In my previous post , I shared how my financial journey began and how I set a bold goal - to accumulate ₹100 crore by the age of 60. But to reach that massive target, I needed serious investments. And to make those investments, I had to increase my income. So, I set a new challenge for myself: earn ₹2,50,000/month by the end of 2023. At that time, I was working in an R&D team, constantly exploring and innovating. It was exciting! But after my company got acquired in 2020, things changed. I was reassigned to a client project that felt monotonous. The opportunities to experiment were gone, and I started feeling stuck. Additionally, the salary increment I received was not aligned with my expectations, further prompting me to reassess my career path. It was clear - I had to take control of my career.   ๐ŸŒŸ Exploring New Avenues I wanted to future-proof my skills and diversify beyond frontend development. The tech landscape i...

My Financial Journey

๐ŸŽฏ Introduction Hey, it's Tuhin here! ๐Ÿ‘‹ I'm a FrontendExpert ™ with 9+ years of experience, specializing in modern web frameworks like Angular  and Vue.js . I thrive on experimenting with technology and staying ahead of the curve. Learning new things has always been my passion. I also consider myself financially literate. Many of my friends and colleagues trust my knowledge and come to me for advice. In this article, I’ll share how my own financial journey began. ๐Ÿš€ How It Began 2018 was a turning point in my life. In September of that year, I took my first step into investing by starting a SIP in the Tata Digital India Fund . Little did I know that this small decision would ignite a journey that would reshape my financial mindset. Coming from a typical Indian middle-class family, I grew up hearing my father say: ๐Ÿ”น"Things were better in my time!" ๐Ÿ”น"Private companies are looting us!" ๐Ÿ”น"The government has failed the common man!" Every time Sachi...

Tensai Sensei's Wisdom #2 - You Want It? Go Get It!

If you want to obtain everything that you dream of, you have ask for it and work towards it. You can't just sit there and wish that you get it. Life doesn't work that way. Nobody's gonna notice you and offer things to you because you deserve it. No, you must seize it yourself! If you don't ask, the answer is always no The more you ask, the more you get. If you don't ask, you better forget (it). Everything is negotiable There is always a budget There are 2 types of people in this world - obtainers and complainers.

Tensai Sensei's Wisdom #1 - Simplify Your Life!

Wisdom #1 If you want to live a peaceful and happy life, automate/delegate/eliminate things that don't really add any value to your life. This will help you muster time for things that you want to do in your life. Always remember, time is your only asset that you cannot produce more of. Examples Automate - Your investments using SIPs Delegate - Hire a maid or a cook to do the chores Eliminate - Taking a bath every single day

Angular's E2E Testing Framework - Why is it called Protractor?

The Angular Ecosystem Angular is an amazing framework. It enables us to build modern web apps easily. Yes we can build a modern web app with just HTML + CSS + JavaScript, maybe with a dash of jQuery ๐Ÿ˜‰ But Angular just makes it whole lot easier. Users today's web apps to be fast, well designed, offline-capable, secure and a delightful. Since Angular is a opinionated framework, it forces you to make the right choices. Today Angular is not just a web framework. it has created its own ecosystem. As you might have guessed, I am a Angular fanboy ๐Ÿ˜Ž. But one thing I'm not a fan of is writing test cases ๐Ÿ˜› I started learning about software testing in late 2019, because I asked to setup unit + E2E testing for one of our projects. What I learned was, Angular come with Karma + Jasmine setup (for unit testing) out of the box. But it has built a specialized E2E testing framework called Protractor . But I couldn't figure out why they called it Protractor of all things. Later it dawned o...