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In-depth, research-backed reading on personal finance, investing, tax planning, and developer tools — written in plain English for people who want to actually understand it.

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20
Financial
17
Technical
~8 min
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27 articles
Financial & Investing — 19 articles
Financial
The Compound Interest Magic Behind SIPs
How systematic investing harnesses compounding — with real numbers showing the difference a decade makes.
7 min SIP & Investing
Financial
SIP vs Lump Sum: Which Wins the Long Game?
Rupee-cost averaging vs timing the market — real scenario modelling with market crash simulations.
8 min SIP & Investing
Financial
Step-Up SIP: Grow Investments as Your Income Grows
Why increasing your SIP by 10% annually can nearly double your corpus compared to a flat SIP.
6 min SIP & Investing
Financial
SWP: Your Retirement Income Machine
How a Systematic Withdrawal Plan creates a self-sustaining income stream that can last 25+ years.
8 min Retirement
Financial
SWP vs SIP in Retirement: What Changes?
The accumulation-to-distribution switch — why your retirement strategy needs to flip completely.
6 min Retirement
Financial
FD vs RD: Which Is Better for Your Goals?
Fixed Deposit vs Recurring Deposit — tax treatment, effective yield, and which suits each life stage.
7 min Fixed Income
Financial
TDS on Fixed Deposits: Everything You Need to Know
When 10% TDS kicks in, how Form 15G/15H work, and strategies to legally minimise TDS on FD interest.
6 min Tax
Financial
The Math Behind Your EMI
How reducing balance interest works, why early repayment saves the most, and the true cost of a loan.
7 min Loans
Financial
New vs Old Tax Regime: Which Saves More?
FY 2024-25 slab comparison — break-even deduction analysis for salaried individuals at every income level.
9 min Tax
Financial
Home Loan Prepayment: Save Lakhs in Interest
How ₹1 lakh prepaid in year 3 saves more than ₹3 lakh in year 15 — and how to plan it.
7 min Loans
Financial
Emergency Fund: How Much Is Enough?
The 3–6 month rule, where to park it for liquidity + returns, and how to build it without disrupting investments.
6 min Personal Finance
Financial
How Inflation Quietly Erodes Your Savings
At 6% inflation, ₹10 lakh buys only ₹5.6 lakh of goods in 10 years. Why idle savings are a risk.
6 min Personal Finance
Financial
ELSS vs PPF: The ₹1.5 Lakh Decision
Lock-in periods, tax treatment, historical returns, and which instrument wins at different time horizons.
8 min Tax Saving
Financial
Capital Gains Tax on Mutual Funds & Stocks
STCG vs LTCG, 10% vs 20% rates, indexation benefits on debt funds, and how to time redemptions.
8 min Tax
Financial
The 50/30/20 Budget Rule — Does It Work for Indians?
Adapting the popular rule to Indian salaries, high EMI burdens, and family financial expectations.
7 min Personal Finance
Financial
Index Funds vs FD: Where Should Your ₹5 Lakh Actually Go?
Your parents swear by FDs. Your colleague loves index funds. The honest math — after tax and inflation — for the Indian saver.
10 min Investing
Financial
Digital Gold vs Sovereign Gold Bonds: Stop Buying the Wrong One
SGBs give you 2.5% annual interest on top of gold returns — and zero LTCG tax at maturity. Why most people still buy digital gold instead.
9 min Gold Investment
Financial
CIBIL Score Explained: What Actually Moves Your Number
The five real factors behind your credit score, myths worth busting, and how to rebuild a damaged score — without paying anyone ₹5,000 to "fix" it.
11 min Credit
Financial
ESOPs at Indian Startups: What They Don't Tell You
The vesting schedule, the 90-day exercise window, the perquisite tax trap, and how to evaluate an ESOP offer before you sign.
13 min Startup Finance
Developer & Technical — 18 articles
Technical
JSON Best Practices for API Design
Naming conventions, null vs omission, pagination envelopes, and versioning strategies for production APIs.
8 min API Design
Technical
REST API Design: 10 Principles That Scale
HTTP verb semantics, idempotency, pagination, versioning — the principles behind great APIs.
9 min API Design
Technical
HTTP Status Codes: The Complete Reference
When to use 200 vs 201 vs 204, 400 vs 422 vs 409, and the often-misused 5xx codes.
7 min HTTP
Technical
JWT Authentication Explained
How JWTs work, when to use them vs sessions, RS256 vs HS256, and the security mistakes that leak tokens.
8 min Security
Technical
TypeScript: Interfaces vs Type Aliases
Declaration merging, mapped types, union types — the practical differences that determine which to use.
7 min TypeScript
Technical
JSON Schema Validation: Validate Before You Parse
Writing schemas with $ref, patterns, formats, and allOf/anyOf/oneOf — and compiling them with AJV.
8 min JSON
Technical
API Error Handling Best Practices
RFC 7807 Problem Details format, error codes vs messages, retry strategies, and client-side error UX.
7 min API Design
Technical
Zod Validation: Runtime Safety for TypeScript
safeParse, transforms, pick/omit/partial, discriminated unions, and custom refinements — a complete Zod 3.x guide.
9 min TypeScript
Technical
Document Everything With Mermaid Diagrams
Flowcharts, sequence diagrams, ER diagrams, and state machines — all as text that renders in GitHub and GitLab.
7 min Documentation
Technical
Markdown Power Tips for Developers
Collapsible sections, GitHub badges, footnotes, keyboard shortcuts, and the ideal README structure.
8 min Documentation
Technical
Browser DevTools Hidden Features
Live expressions, logpoints, local overrides, network request blocking, and reading the flame chart.
9 min Dev Tools
Technical
Python Dataclasses: A Complete Guide
field(), frozen instances, __slots__, inheritance pitfalls, and JSON serialisation — with practical patterns.
10 min Python
Technical
Timezone Bugs That Bite: Why "9 PM IST" Became "3:30 AM" in Production
Six patterns that cause timezone bugs — storing local time, JS Date traps, DST arithmetic, cron schedules — and how to prevent them.
9 min Date & Time
Technical
QR Codes for Developers: Everything Behind That Black-and-White Square
Encoding modes, error correction levels, finder patterns, quiet zones, and how to generate QR codes correctly — including UPI payment QRs.
8 min Standards
Technical
PNG vs JPEG vs WebP vs AVIF: Choosing the Right Image Format
The format you choose can cut page load time in half — or double it. A practical breakdown for web developers with real compression numbers.
10 min Web Performance
Technical
Web Performance for Indian Users: Bengaluru to Bhopal
Why your site loads fine on fiber but breaks on 4G in Tier-2 cities — and the specific optimisations that make the biggest difference for Indian users.
11 min Performance
Technical
Developer Tools Worth Using in 2026 (And a Few to Stop)
An opinionated guide to what's actually changed developer workflows in 2026 — from AI pair programmers to terminal utilities — and what's due for retirement.
12 min Tooling
Technical
AI Coding Tools: An Honest Assessment from the Trenches
After 18 months daily use of Copilot, Claude, Cursor, and ChatGPT — what they actually do well, where they fail, and whether the subscription is worth it.
13 min AI & Tools
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