Wednesday, February 22, 2012
Monday, May 25, 2009
Briefly, on achievements: On professional life, I could complete small part of a report. Trying to standardize many of my routine activities. Obviously one of such is this series of posts.
Interesting concepts on my mind during the day:
- First create the processes, then automate.
- Life is all about planning for the future and start working for it to happen.
- If there is a cost reduction, whether the savings get added to the bottom-line or passed onto the customer, is very important to the shareholder.
|9:45 - 10:30PM||Preparation for sleep (Food, brushing, bed arrangements etc). Would update in a separate post what exactly I do.|
|10:30PM - 5:11 AM||Slept. Typically I should wake up around 5:11 AM when my alarm rings. But I woke around 3:30 AM and I have decided to lie down on bed until my alarm rings at usual time. I could sleep again at 4:40AM and woke up on time.|
|5:11 - 6:20AM||Morning thoughts ( Started to plan around standardization of my time usage)|
|7:30 - 8:30AM||Worked on a Excel sheet. Figured out a fundamental mistake that I made previously.|
|8:30 - 9AM||Training to my maid (It is a part of 6 month process to train her so that she would be able do all the household work without my intervention)|
|9- 9:41AM||Morning activities|
|9:41 - 10 AM||Reached to office|
|10AM – 1:15PM||Worked on excel sheet and designed 2 images.|
|1:15 - 2PM||Lunch time and spent with colleagues.|
|2- 6PM||Worked on the partial report.|
|6PM-7:20PM||I was reading e-mails. One of them, I have responded.|
|7:20 – 8:30PM||Reading news articles on web on energy sector.|
|8:30 – 9PM||Reached home and taken bath.|
|9- 9:30PM||Written this post.|
Comments on the day: Definitely today is one of the highly unproductive day. However, I am becoming more responsible and I will become much more efficient in the next 6-9 months.
To-do task from tomorrow: I will have to write hourly updates to let myself aware of how I am spending my time.
Sunday, May 24, 2009
I will start writing in a interesting template form, for a while please adjust with this raw data. And I will also have to explain some generic tasks that I do regularly which I will do in a separate posts on each of them.
Briefly, on achievements: Today two most important decisions were taken. To implement them, I have decided to make my life public and started to write these posts. Taken rest for the next week.
|Woke up at 7AM|
|7 - 9AM||Morning thoughts (Typically I spend my time to think about strategic directions at broad level on my life) . Today I have taken important decisions on my life (will update this after 3 months on what it is!).|
|9-11 AM||Morning activities (Brushing, head-bath, shaving, breakfast, etc)|
|11-12:30 PM||Writing the thoughts behind this "online diary experiment" on this blog and Rural India blog.|
|12:30 - 1:45 PM||Spent time on updating look and feel of both this blog and Rural India blog.|
|1:45 - 2 PM||Lunch|
|2 - 2:45PM||Writing notes on my performance during the last 6 months|
|2:45 - 3:30PM||Written few pending official mails|
|3:30 to 7:15||Slept as I was awake most of the last night|
|7:15 to 7:30||Planning|
|7:30 to 8:15||I was trying to recall what my colleague suggested me on the report that I made. It was hard time, could not recall most of it.|
|8:15 – 8:30PM||Bathing|
|8:30 – 9:45 PM||Writing this diary|
Thursday, March 26, 2009
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Sunday, July 27, 2008
Randy is a professor at CMU and gave the following lecture when he came to know that he was going to die in a few more months. This talk is about his childhood dreams, how he could achieve them and followed by how he helped others to achieve their dreams. Interesting part of this lecture is that it is all fun. Amazing one and I strongly recommend you to watch it.
Similar inspirational lectures by JK Rowling and Steve Jobs are here.
Saturday, June 21, 2008
Name of the service: iControl
Service launch date: Possibly from 23rd June, 2008
Refundable Deposit: 1000/-
Installation fee: 100/-
Broadband: MTNL connection is needed (which is almost impossible to get a new connection!)
Monthly fees: 100/- for 100 free channels
Pay-channel pricing: 5/- per channel and currently no pay channels exist
Features: Time shift, Video on Demand (200 movies in a year)
Offer: Video on Demand is free for the first year.
Issues: Currently, broadband connection on Alcatel or Ericsson ports is supported but not on SOTL port.
Booking contact number: 1500 or 126555
At last, monthly price for TV channels has come down to 100/- with great facilities.
Monday, June 16, 2008
Indian e-commerce industry minus IRCTC is almost like we are still in infancy stage. So it is clear that insights from IRCTC would help us in understanding the e-commerce trends. Fortunately, every month, IRCTC publishes actual statistics on transactions with complete details on its website.
If you observe statistics of any month, first thing is that you would wonder that cash card transactions are like 1/3 rd of total transactions (rest are credit or debit or netbanking). And in fact, cash card transactions growth rate is much higher than all other modes of payment. Then you start feeling like you have never heard of them anyone using it, but how come such large number of transactions?
Being an insider in this industry I would like to you give you a detailed story behind this wonder. First, let us see the business model of a cash-card company:
Platform: It is two sided. Cash-card companies just tie-up with numerous merchants/service providers (like telecom or ticketing etc). And later they start acquiring agents to use their technology platform. Typically these agents are: ICT Kiosks owners or Cyber cafes or computer education centers or the latest PCO/STD 2.0 etc.
Target Audience: Who all can’t goto a website and/or can't pay through credit or debit card for remote payments. This means, those agents become the middlemen between the remote customer and the service provider.
Commission: Most times, cash-card companies get discount from the service providers (usually 3% to 5%), a portion of which would be passed to their agents (for example air ticketing works in this manner!). Otherwise, customer is charged (for example, IRCTC don't give any commission to cash-card guys and so, agents would charge customers on top of the ticket cost).
Other revenues: Of course there could be a small percentage of direct consumers who would use the cash-card on web. But that is not what makes significant cash-flow for a cash-card company.
Future: So it is obvious that cash-card transactions would become much higher than credit or debit card transactions when cash card companies can acquire much more agents (in particular rural areas) along with more service providers (such as electricity/water distribution companies).
- They must tie up with as many merchants as possible.
- Technology/process that makes the consumer to use the card for payment.
- Card distribution should be efficient.
Of course, companies involved in this payment ecosystem also have additional revenue through other value added services such as interest charged to the customer by providing them credit, etc.