Went to get a SIM replaced last month. The guy behind the counter told me to stand near the wall, look at the camera, blink twice. I assumed he was taking a photo for the form. You've probably done the same thing. Then it clicked. That wasn't a photo. That was Aadhaar face authentication — my live face being matched against the photo in my enrolment record. He never said the word Aadhaar. He didn't mention verification at all. And I only worked it out because I happened to have read about it. Most people walk out of there believing they got photographed for paperwork. So I went looking, and here's what's actually on record. In February 2025, UIDAI opened Aadhaar face authentication up to private entities — companies can now run it inside their own customer-facing apps. ( source ) Somebody ran a field survey of telecom outlets across Chennai — Mogappair, Korattur, Anna Nagar, Adyar, Ayanavaram. Same pattern at each one. Stand in good light, blink at the pho...

On 3 March 2025, the Nifty closed at 22,119. On 28 September 2026, it closed at 22,780. Nineteen months. A 3% gain. And a lot of sleepless nights in between. Over the same nineteen months, the money Indian investors borrowed from their brokers to buy shares went from ₹68,800 crore to ₹1.51 lakh crore . The market barely moved. The loan more than doubled. That gap is the whole story. And I don't think enough people are asking what it means. Margin loans (left) vs Nifty 50 (right), September 2023 to September 2026. Source: NSE MTF disclosures. First, what is MTF? MTF stands for Margin Trading Facility. Your broker lends you money to buy shares. The shares you buy sit with the broker as collateral. And you pay interest for every day you hold, typically around 12% to 15% a year at the big brokers. There's no expiry date. No option chain. No theta eating your premium. It looks and feels like investing. That's exactly what makes it dangerous. It behaves like leverage. ...

I've been struggling with productivity systems for a while. I had too many tools, too much duplication, and no clear rules about where things should go. Tasks would end up in Apple Notes. Reference material would clutter OmniFocus. My paper notebooks were full of to-do lists I'd never look at again. So I sat down and designed a system that actually works. The core principle is dead simple: every tool has exactly one job. If something has two homes, it has no home. Here's what I use, and exactly how I use it. The Four Tools, Four Jobs OmniFocus — The Command Center (All Tasks & Commitments) Every single thing I need to do lives in OmniFocus. Every project, every next action, every deadline, every "waiting for." It's my single source of truth for commitments. If it's not in OmniFocus, it doesn't exist as a task. I use tag-based perspectives to filter tasks by context — Calls (when I have my phone), Mac (when I'm at my desk), Err...

We’ve been conditioned to treat "Purpose" like a destination, a trophy, or a specific job title. We’re told that if we don't find our "North Star" by 30, we’re somehow lost. But here is the truth: Purpose is secondary. You are the foundation. You cannot find your purpose directly without first finding yourself. Purpose isn't the work you do; it’s the person you become while doing it. The Work vs. The Being You could be a shoemaker, a carpenter, a coder, or a CEO. The specific craft doesn't matter as much as we think. What matters is the "decisive point":  What happens to you while you are doing the work? If your work: Brings light to your being. Makes you more joyful and loving. Increases your awareness and gratitude. ...then any work will do. The Shift in Perspective When you move with totality—bringing your full intelligence and spontaneity to the present moment—your individuality becomes "actual." You aren't just performing a t...

  One of the biggest traps in investing is holding on for too long—simply because we fear regret. What if I sell and it goes up? What if I stay and it falls? The truth is, regret is possible in either case. So regret shouldn’t drive the decision. A better question to ask is: “From today onward, which option offers the better potential return?” Notice the shift in thinking. The market doesn’t care about the price you bought at. It doesn’t care how long you’ve held something. And it certainly doesn’t care about your emotional attachment. Capital is limited. Time is limited. Attention is limited. Every rupee tied up in a weak or stagnant investment carries an opportunity cost. Good investors are not just good at selecting opportunities. They are good at reallocating capital. If an investment is clearly weakening, or if a better opportunity appears, it makes sense to act decisively. Holding on just because you’ve already held on for a long time is rarely a sound strategy. At the same t...

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  How to Limit Twitter (X), YouTube, and Instagram on Your Mac and iPhone Struggling to cut back on time spent scrolling through Twitter (X), YouTube, or Instagram? You’re not alone! Social media can be a major time sink, but Apple’s built-in  Screen Time  feature makes it easy to set boundaries on your iPhone and Mac. Whether you want to limit usage or block these apps and websites entirely, this guide walks you through the steps to regain control of your time. Let’s dive in! Why Limit Social Media? Spending too much time on social media can reduce productivity, disrupt sleep, or leave you feeling overwhelmed. By setting limits, you can: Stay focused on work or hobbies. Reduce mindless scrolling. Create healthier digital habits. Apple’s Screen Time lets you restrict apps and websites with just a few taps or clicks. Here’s how to do it on your iPhone and Mac. Limiting Social Media on Your iPhone Screen Time on your iPhone is a powerful tool to manage app and website usage...