The Rich Man's Diary
Jay Panda 
The 8th Pay Commission (8th CPC) is expected to bring major reforms for central government employees and pensioners. One of the most significant proposals under discussion is the reduction of the pension commutation period from 15 years to 12 years. If implemented, this means pensioners can start receiving their full pension 3 years earlier, ensuring … Read more
Imagine this:During the height of the pandemic, Lakshmi—a devoted central government employee—noticed a gap in her salary. The three frozen Dearness Allowance (DA) hikes, spanning January 2020 to June 2021, amounted to 18 months DA arrears. These were held back to ease the financial burden on the government. Fast forward to August 2025: DA hikes … Read more
The long-awaited 8th Pay Commission may face further delays. It was initially expected to come into effect from January 1, 2026; however, various factors indicate that it may be postponed until 2028. Here is the latest news… Rajesh Kumar, a mid-level central government employee in Delhi, sips his evening tea while scrolling through his old … Read more
A quick story to start… Picture a PAO (Pay & Accounts Office) on a busy Monday morning. Rajesh, a Section Officer in his 40s, is answering the same question at every desk: “Sir, 8th CPC kab lagega? Basic kitna badhega? DA reset hoga kya?” The notice board still shows the 7th CPC pay matrix, but … Read more
Introduction Stablecoins are digital currencies like any other cryptocurrencies designed to maintain stability unlike high volatility driven currencies by linking to reliable assets like the U.S. dollar or gold. Their stability makes them ideal for everyday transactions and international transfers—even when other cryptocurrencies experience wild swings due to volatility. In this guide, you’ll learn the … Read more
Cryptocurrency is the new age investment opportunity that has taken the financial world by storm. It generated massive returns over the past years, outperforming all other investment instruments. As it is the highest-performing investment instrument, it is highly volatile. Hence, investors must be cautious before investing in these digital currencies. In this article, we will … Read more
Its a big question that ‘ Is taking a loan to invest in property a smart move ,Everyone wants to invest in property to diversify their investments. Property investment always required a big sum. So people always think of taking out a loan to invest in property, be it land or a home. There is … Read more
Cryptocurrency is the new beginning in the financial world. Its growth and global acceptance have forced lawmakers, governments, and central banks to take it seriously as the alternative to traditional paper-based currency. What is cryptocurrency? Cryptocurrency is a digital currency that is decentralized and is not controlled by any government or banks. The transactions use … Read more
The hot topic in financial world in these days is Cryptocurrency. With the increasingly demand for Cryptocurrency across the world now countries are making laws and regulatory to control the evolving market. In this article we will explore whether cryptocurrency legal in India ? What is Cryptocurrency Before going to understand the legality of cryptocurrency … Read more
Everyone like the fixed income without much risk. But how it is possible to get better returns with less risk. Yes corporate bonds can help you to get this objective. How to invest and what is the returns on investment ?let’s explore this article for all the details about how to earn fixed income from … Read more