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Chinese Stock Market for foreign investors: An opportunity or a trap ?

Disclaimer The information presented here is for information purpose only. It should not be seen as an investment advice or endorsement of any financial instruments in particular. Before making any investments kindly consult your financial advisor. Investing in stock market of other countries is becoming a popular form of portfolio diversification. Funds like PGIM Global Opportunity (among others) make it easy for retail investors in India to get exposure to the top global companies around the world. And not just in India; the trend can be observed in many…

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Making sense (and money) of[f] the Stock Market

Before I begin, I would like to read a disclaimer. “I am not a financial advisor, and I am not professionally qualified to give financial advices. I am just a friendly neighborhood blogger who has learnt stock market all by myself. The analysis and tips I share on this blog is based on my personal investing experience and should not be considered professional financial advice. Before investing in any securities, kindly consult your financial advisor.“ The middle-month Hypothesis What you see in the chart above is the price trend…

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Books by Kishlay

If you are like most people on earth, you probably want to have a pleasant life where your necessities are met with minimum effort: good food, decent standard of living, a respectable status in the society, and a feeling of fulfillment.

Money can buy you food, shelter, respect, and fulfillment, provided you understand it well, and have a right attitude towards it. The concepts of money can appear quite intimidating, and many of us have gotten it quite wrong.

This simple book on financial literacy will help you overcome this difficulty. Laced with radical revelations from the world of finance, this book will not only change the way you see money, but also equip you with powerful ways to earn it.

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Is Entrepreneurship a solution to the job crisis?

Entrepreneurship is quite the buzz word lately. And why shouldn’t it be ? In a world where jobs are becoming scarce and robots are getting smarter, the idea of being one’s own boss and being able to live off a business without worrying about getting fired seems alluring.

The Binary Middle Finger 

The threat of robots taking over the world is no longer a science fiction fantasy. AI is getting smarter. We all know that. If you want to see how smarter they have got, simply translate this page to your second language (if you have one) using the floating translation widget on your screen. The precision is mind-blowing. A decade ago, it might have given you a good laugh. But today, it gives goosebumps. And this feat of AI can be seen in all fields of life today. You can feel them smirking at human intellect, showing a binary middle finger 🖕 every time they outperform a human counterpart.

Enter the Entrepreneur

Entrepreneurship might seem like a life saving oasis to youths today in this desert of economic hopelessness. The hopelessness that is fueled by a lack of trust in government to provide a sense of security in the face of rising work disruptions.

While automation often becomes the scapegoat, the real reason for the job insecurity is the lack of proper infrastructure to empower youth with relevant skills. The education system terribly fails at nurturing our youth and preparing them for the challenges of the future. In the wake of such a crisis, the allure of being self-reliant through entrepreneurship seem to be a good idea.

But what exactly is entrepreneurship? And can it really solve the crisis of unemployment among today’s youth?

Understanding Entrepreneurship

I never went to a B-school. So my definition of entrepreneurship might not match the textbooks. But fortunately, you don’t need the textbook definition to become an entrepreneur

In simple terms, an entrepreneur is someone who identifies a need in society and fulfills it ‘at scale’. In order to do that, they may take a financial risk, but they do it with a strategy. The strategy is to be able to sell their solution for the problem at a cost higher than what they spent to create the solution. In doing so, they generate a profit. And bingo ! An entrepreneur is born.

Not all problems are created equal

If you want to become an entrepreneur, all you need to do is solve a problem. But there is a problem here. Not all problems are created equal. And not all problems offer an opportunity to earn money. 

For example, you might have a problem with your neighbor next door. You don’t like the way he stares at your wife. Unfortunately, that is not the kind of problem we are talking about. The problem an entrepreneur solves is the type for which people are willing to pay money. For example, weight gain is a problem. And if you create a guide to lose weight, you have created a solution for which people would be willing to pay for. If you are able to convince a large number of people that your guide can solve their weight gain problem, you have earned the title of entrepreneurship.

Entrepreneurship is not so easy

Unfortunately, entrepreneurship is a tough business (the pun fits so appropriately). I hate to break it to you but entrepreneurship is not a magical solution for unemployment. It is much easier to find a job even in these tough time than to become an entrepreneur. And the reason is simple – competition.

Competition is a B*****

Let us go back to our previous example of weight loss. You have identified the problem. You know there is a monetary opportunity in solving it. And you have created a solution in the form of a weight loss guide. But what if your neighbor (yeah the same neighbor who stares at your wife) creates a better guide for weight loss? And worse, what if he offers it at a much cheaper price than you ? This neighbor problem is clearly getting out of control. 

Survival of the fittest

Your success as an entrepreneur lies in your ability to create better solutions for problems than your competitors. You can do this by a combination of: 

  • working hard
  • working smart
  • using your capital efficiently
  • creating a good marketing campaign
  • bringing down the cost of your product without compromising with quality
  • Offering better customer service. 

To implement the above factors, you need to have sound financial literacy. You also need to have the ability to adapt and improvise with the changing economic landscape. That involves making use of automation opportunities. (The robots are our friend after all). If done right, this can open doors of opportunity for you and turn your dream of working without a boss, a reality. 

Read a book

You will clearly not become an entrepreneur by reading a single blog post. If you are serious about pursuing this option and escape the rat-race forever, I suggest that you read a book on entrepreneurship. And don’t get scared when I say read a book‘. I wrote an easy one for you to help you grasp the concept of money and entrepreneurship without breaking your head and losing your sanity.

Paisa and the Passive: Financial Literacy in Plain English is my years of research into the world of money and entrepreneurship. It contains all the wisdom that I gathered over the years trying to figure out how the financial world works. The wisdom helped me turn my dream of entrepreneurship into a reality. The fully monetized blog you are reading right now is a product of the very wisdom that I have written about extensively in the book.

Serial Entrepreneurship

Apart from a blog that makes me money every time someone clicks on the ads, I have also expanded my entrepreneurial ambitions into other spaces, including online and offline ventures. And remember, I started with nothing. Just a willingness and a stubbornness to learn. 

KISHLAYSINGH.IN

Latest Blog Posts

  • The Charm Resort Phuket
    Patong is also one of the busiest areas in Phuket, and it’s preferred by many tourist looking to enjoy some great nightlife, shopping and culinary experience. I choose to stay in The Charm Resort in Patong during my last visit to Phuket, and it turn out to be one of the best Hotel experience ever! With its stylish décor, state of the art furnishings, modern amenities, spacious lounge and dining areas, The Charm Resort in Phuket carries a great appeal to travelers across different budget needs. In this blog […]
  • Where to find best sushi in Phuket ?
    Finding best sushi at an affordable price is always a challenge. In India, the restaurants serving good ones are usually very pricey, and there is no guarantee if you will get authentic flavors. (Trust me I had really terrible experience of ordering it in India.) The first time I tried ‘real Sushi‘ was in Bangkok, and since then eating Sushi in Bangkok has been one of my regular activities in Thailand itinerary! Below are some pictures from my experience in Bangkok: Finding good Sushi in Phuket I was a […]
  • The Sea Galleri by Katathani – Photos and Hotel Review
    One of the best part about my Thailand trips is an opportunity to explore some of the best hotels in southeast Asia at a relatively affordable price. What makes Thailand very special in this respect is the overall experience, that not only includes clean hygienic and state of the art rooms and amenities, but also the hospitality that the Thai tourism industry offers. Thai hospitality is one of the best in my experience. My stay at The Sea Galleri by Katathani in Phuket reinforces my notion of the unmatched […]

Latest from Travel (India)

India is a land of contrasts, with ancient traditions alongside new world technologies. There is no other country in the world that has as many religions and cultures, languages and dialects. Traveling here will give you a truly unique experience that you won’t find anywhere else. Explore the latest stories from Travel India Blog below:

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Beach Adventures

Some of the most beautiful and isolated places in the world are off-limits to tourists. But there’s still a way for you to visit these destinations without ever having to leave your computer screen! Explore stories about Indian beaches on Travel India Blog

Castaway – A day at Neil Island

Neill Island, now known as Shaheed Dweep, is located in Ritchie’s Archipelago of the Andaman island, somewhere between the Havelock and Island. It’s a relatively unexplored part of Andaman, and when I visited there it was impossible to find internet connection. (Read More)

Neil Island
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Jungle Adventures

When you’re traveling, do you ever feel like there’s more to life than the daily grind? Do you want to experience a different culture and way of life? If so, the Travel India blog is for you. I’ll be some of my best Jungle adventures here. You’ll learn about the most popular jungle destinations in India and it will change your perspective on life forever!

Adventures in Nongriat


It shakes, not just from the force of your feet striding along the pathway, but also from the winds that blow across the boisterous stream. You’re tempted to look down, but then a sense of fear grips your heart. Bridges do collapse, even the ones that are made more resourcefully using modern machineries; so trusting in the footsteps of my local guide, David, over this perilous bridge was either lunacy or an act of self-liberation.

Trekking in Nongriat village Sohra, Meghalaya
Nongriat village Sohra, East Khasi hills
Nongriat village double decker living root bridge

The bridge may look like it is straight out of a Disney movie, but it’s very real. They are usually made from living plant roots and some take centuries to form ! (Read More in Travel India Blog)


Money & Finance

freelancer typing on laptop at table with green plants

Is Entrepreneurship a solution to the job crisis?

Entrepreneurship is quite the buzz word lately. And why shouldn’t it be ? In a world where jobs are becoming scarce and robots are getting smarter, the idea of being one’s own boss and being able to live off a business without worrying about getting fired seems alluring. The Binary Middle Finger  The threat of robots taking over the world is no longer a science fiction fantasy. AI is getting smarter. We all know that. If you want to see how smarter they have got, simply translate this page to your second language…

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white ceramic mug between apple magic keyboard and two flat screen computer monitors

I am finally making money off my blog

I have been a blogger for the last five years. But something changed this year. I went from being a hobbyist blogger to a full fledged entrepreneur Blogger.  For the past six months, my blog has been making me money through various means (I will talk about it in detail later). But do you know how I feel? I feel just like a mom feels when her kid bring her first paycheck home. She knows that now the kid can take care of herself. What a fulfillment ! 😀 Blog is like a…

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How to buy stocks for beginners?

How to buy stocks for beginners ? Buying stocks can be tough for beginners, but this article is here to help. I’ll walk you through the process of how to buy stocks if you are a complete beginner in this area. You will learn how to pick a stock, screen and shortlist companies for investing, and perform fundamental analysis to generate good returns. Let’s get started. How to buy stocks for beginners : Lesson #1 Understanding the stock market Stock market is where people come to buy and sell a special type of…

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Travel Stories

Adventures in Himalayas

Himalayas, the home to some of the most beautiful mountain ranges in the world, is a place that you should never miss. With snow-capped mountains and scenic landscapes it’s hard not to be mesmerized by its beauty. If you are looking for a peaceful and scenic escape from the hustle and bustle of city life, then look no further than Himachal. There are many places in Himalayas where you can explore, but one such destination is Spiti which has been untouched by modern civilization and still retains its old-world charm with ancient temples and villages. If exploring nature is your thing then this trip will suit you best!

A Rendezvous with the Himalayas – Part 1 (Journey to Manali)

It’s been quite a while since I wandered. My new job as a news analyst kept me pretty busy over the past few months, and there’d seldom been much chance to think about travelling, leave alone actually venturing out. But as you know, a moment comes when the mind says, No more ! Such was the moment for me when I decide to wander into the Himalayas for seven days. My journey started in Bangalore. I flew to Patna one fine evening, and took a night train the same day to my hometown of Bhagalpur. The monsoon was in full […]

A Rendezvous with the Himalayas – Part 2 (Journey to Keylong)

Read Part One by following the link. The excitement was such that I couldn’t sleep. It was already 11 PM, and I had my bus at 5:30 in the morning next day. Clearly, something was not letting me sleep, and I soon realized it’s more than just excitement. Midnight descended and a strange feeling of fear griped my mind—it’s not safe to visit Spiti. The more I read about the road that leads to Spiti, the stronger the fear grew. News about vehicles falling off in the ravine is not uncommon. The roads are treacherous, especially as you cross Kunzum […]

A rendezvous with the Himalayas (Part – 3) – Midnight Swing !

With midnight descended a strange ambience—an uncomfortable stillness, a mind numbing silence. In the quietness of the moment, I could sense the sound of their sleep. Her head felt heavy on my shoulder, and for some reason I stayed unmoved, not to break her quite slumber. But her locks tickling under my nose made me sneeze so hard that she woke up! She rolled herself into a gesture of modesty, followed by a soft apology. I wanted to ask her more about life in Tokyo, but maybe this was not a good time. Soon I  drifted into a  wakeful stupor, […]

A Rendezvous with the Himalayas – Part 4 (The Storm)

That was unlike any journey I’ve had undertaken before, unlike anything I’ve had ever experienced before. Those views of deep chasm from the bus window still give me chills. That wallop which had me almost fly off my seat still fills me with terror. And amidst all the elements of dread, the beautiful landscapes—of sharp mountains piercing into the sky like bayonets of the gods, of snow-clad peaks shining in the sunlight like burning magnesium, of the playful drama of light and shadow unfolding on the slopes and foothills, rolling over each other like lovers making out in the wild—they […]

Altitude Sickness and Some Strange Emotions (The Kashmir Trail – Part 1) !

It was merely 5 in the morning. The harsh sunrays sneaked into the room through the glass façade, heating up my bed like a stove-top. The nausea still lingered, albeit milder as compared to the last night, and though the headache had waned away, my head still felt dizzy due to lack of oxygen. I sat at the corner of the bed, ushering into vivid memories of the journey which brought me here. I sat for long, as if in oblivion, staring at the void between my eyes, imagining the ponies and the yaks grazing in the lush green meadow […]

A touch of Spirituality

What is the meaning of life? What are we all here for? Why is there so much suffering in this world? These questions have been pondered by many great philosophers and spiritual leaders, but none have come to a definite conclusion. In fact, most people seem to disagree over what it means to be alive and whether or not death is the end. But one thing that everyone agrees on is that India has an abundance of richly diverse cultures that offer a myriad of answers to these questions. For those who want more than just an exotic vacation destination, India offers opportunities for deep exploration into spirituality as well as existentialism with some help from yoga classes thrown in for good measure! Explore some of the best spiritual travel experiences in Travel India Blog below

India travel blog
A Spritual Escapade !

On a very cold morning, while the sun still lurked below the skyline, I sat at the edge of a frosty granite bench, shivering under the woolen jacket, which despite being profusely compact, barely kept the cold out. (Read More)

Orrisa konark temple
A Visit to ‘The Black Pagoda’ !

During my stay in Orissa, I got the chance to visit the famous Sun Temple of Konark (also known as The Black Pagoda). The road to Konark from Puri offers some good views of natural diversity (Read More)

Existential Crisis in Varanasi !

Yes I have known the despair that arises out of an existential awareness. When you question the meaning of everything, your very existence become a big question mark in itself. Existential crisis is tough to live with because life never remains the same. (Read More)

Looking Beyond (Stories from Thailand)

Thailand has a reputation for being one of the most exotic and memorable destinations in the world. It is known for its wide variety of temples, beaches, nightlife, food and culture. The country’s vibrant history combined with its contemporary lifestyle make it an amazing place to visit! Below are some interesting stories on Travel India Blog on my experiences in Thailand.

Soi Cowboy – An ally of naughtiness


This place is one of the best known late-night entertainment venue in the heart of Bangkok, and also one of the most visited tourists attractions in Thailand. Soi means street in Thai, and that’s what Soi Cowboy is. It is a short street, approximately 200 metres long, filled with go go bars, massage parlors, live music venues, street food and more ! Soi Cowboy is notorious for being a red light zone,

This six-story mall at Thonglor is home to a range of Japanese restaurants and cafes. Don Don Donki outlet here offers the same merchandise as the original Don Quijote stores in Japan.


Unusual Street foods – An unforgettable experience


My beautiful Thai friend took me to a busy night market, and the sights just blew my mind away! It was a cultural shock to see insects being peddles as delicious street food, something which would appall a lot of Indians. But it important to respect other’s culture and food habits, especially when you are traveling abroad.

The world is your oyster !

Oyster is a type of bivalve mollusks usually found in brackish waters. While there are many types of them out there, some are commonly consumed cooked or raw. They are regarded as a delicacy in many parts of the world.  (Read More)


Ladyboy show Phuket tickets, timings, review


Phuket is full of spectacular nightlife. While the options to indulge your visual senses is plenty, one of the most popular event that you ought not miss when in Phuket is Simon Cabaret (also known as Simon Show), an unforgettable theatrical experience featuring music, songs, dance, comedy and drama by an ensemble of transgender performers. 

Simon Cabaret in Phuket is organized in a luxurious venue built in the form of a theatre with a capacity of over 600 people. The seats are very comfortable…


Explore more stories on Travel India Blog

India is a land of many contrasts. One can find the most ancient and exotic culture in the world or one can explore some of the most modern cities that are ever-expanding and always changing. The country has been shaped by its long history, which is why it is such an amazing destination for those who love to travel. For those looking for adventure, India provides plenty of opportunities to get out there and experience something new!

Rot Fie Night Train Market 

Havelock Island presents an incredible opportunity for scuba diving, with a spell binding marine world waiting to be explored. The ideal scuba diving season in Havelock Island is from October to May. There are many certified Scuba Diving operators in Havelock Island to choose from. You can either book their (Read More)

Thoughts on Leisure

It was a warm winter afternoon. I was wandering through a bushy trail along the coast of south Goa, feeling as ecstatic and warm as a reptile lazing under the sun. I had been creeping through the narrow trail for long, heading towards a small, rocky hill which a fellow hiker from England had said was a (Read More)

A reflective afternoon

October is the time of changeover. One can see plastic veils finally lifting of the beach huts, and woodcrafters, immersed in their art of joinery, refurbishing the beach cabins which would serve as accommodation for tourists in the coming few months. (Read More)

Product Reviews

Amazon Product Review – Wildcraft Trekking Bags


Choosing a trekking backpack is not easy. You have to take into consideration a lot of factors like what is the duration of your trek, where is the location, what kind of terrain you are going to face, and what the weather condition is going to be like.

For day hikes, a backpack under 35 liters is a good choice. You don’t want it to be heavy because you would be packing only the

In this Guide

  • Are wildcraft bags good choice for trekking ?
  • Selecting a backpack for your need
  • Popular wildcraft bags
  • Top five wildcraft trekking bags on Amazon
  • Protecting your backpack from Rain and Dust

space gray aluminum case white sport band strap apple watch

Smartwatch Buying Guide | Best Smartwatches on Amazon (2021)

I have been an avid watcher of the smartwatches space for quite a while now and the latest development in smartwatch technologies taken over my attention lately. These little devices are much more powerful than ever before. They have been expanding their capabilities in terms of what they can do – all without having your phone on you at all times. Best Smart Phones on Amazon Stumped about which smart watch to buy ? I’ve got just the thing! Check out this curated list of beautifully crafted smart watches on Amazon. From leather straps and metal bands, to digital timepieces…

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