Raj Nikumbh

The Last Mile is sometimes the most difficult

November 16, 2021 Raj Nikumbh Comments 0 Comment

Last Mile Businesses that directly deal with customers probably want them to have best customer experience but that is generally not delivered in a way that most businesses and customers would like to. Businesses normally spend a lot of time hiring and training people who are in the backend and but not their frontline workers. The frontline workers who directly interact the customers are many times contractors, outsourced or temporary. The call centers that service customer calls are one thing…

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Mosquito, Alexander, Imperialism and World Order

October 16, 2021 Raj Nikumbh Comments 2 comments

Mosquito: The Nemesis Mosquito are mostly treated condescendingly by humans. As much as we humans may think that the advancement and where we have reached today maybe attributed to the ingenious mind which may not be entirely true. Recently I finished reading up The Mosquito, A Human History of our deadliest Predator by Timothy C. Winegard and this a brief of how I felt about the whole story. A nice video explaining how mosquito has evolved to be such deadly…

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Qatar : A Country that mediates

September 2, 2021 Raj Nikumbh Comments 0 Comment

Qatar and its population breakup The most remarkable thing about Qatar is that it’s Qatari population is only 313,000 whereas the expatriate population is about 2.3 million. Of this 2.6 million population about half of population lives in the capital city of Doha. There are about 7 expatriate for every Qatari native. There are about 300 males for every 100 females in the country overall and the most probable reason is the expatriate population. For Qatari population the sex ratio…

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The Battle of Buxar – A Commemoration

August 25, 2021 Raj Nikumbh Comments 2 comments

The Battle Battle of Buxar fought in October 1764 that set out, a greedy private enterprise East India Company headquartered in London, on a path that changed the South Asia forever and the after shocks are even felt today including what we see today in Afghanistan in 2021. As a kid I have been to the place and unfortunately there wasn’t much there except agricultural fields and few graves for British Officers reminiscent of the bloody battle. Lets look at…

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Dehypothecation: A step by step Process

August 7, 2021 Raj Nikumbh Comments 1 comment

Dehypothecation What? So whenever you take a vehicle loan for 4 wheeler or 2 wheeler, basically debtor (one who takes loan) pledges a collateral to secure a debt. Once the debtor closes the loan the Registration Certificate (normally called RC Book, it is mostly a Smart card now like a Chip Credit Card) needs to be updated and the process is called Dehypothecation and recently I closed loan for my two wheeler and had to go through this. Now why…

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Alchemy, Elements and their Origins

July 30, 2021 Raj Nikumbh Comments 5 comments

Why Alchemy? Alchemy is one of the oldest somewhat scientific approach through which people have tried to make gold from different methods. But with all the technological advancements we still have not been able to make fundamental elements artificially. The periodic table have a number of elements that have been discovered over the years. The first 94 elements are from Hydrogen to Plutonium are found in nature, some are found in traces and rest from 95 to 118 are synthesized…

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Parenting Banner

Notes on Parenting

July 10, 2021 Raj Nikumbh Comments 2 comments

Disclaimer: This is not a parenting advice. I am not qualified enough but this is a reminder to myself and open for feedback. All this is subject to change. My daughter Ira is more than 2 years now and these are thoughts that crosses my mind many times. I do not know what is right or wrong but maybe when Ira is old enough she can give a feedback. Anyways my dear readers feel free to comment and share your…

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China through few men and women

June 26, 2021 Raj Nikumbh Comments 0 Comment

Why do we need to understand our neighbor? China is no doubt a superpower and it is very important for India to very much aware of the neighbor. Here is a first article of two part series where I look into three different people from Chinese history and it is inspired by BBC’s Program called “Chinese Characters“. Chinese civilization is almost as old as our civilization and our histories are connected in more ways than we can imagine. The Silk…

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Bhojpuri Music: A Folk Tradition

June 12, 2021 Raj Nikumbh Comments 2 comments

Bhojpuri and Me Language is close to many people’s heart. Now its somewhat unfortunate that the language that I am talking is something that I can’t speak myself at this point. And I have seen as a kid that my parents never forced to speak the language though they conversed in the language themselves. English is a foreign language but for reasons that is out of the context of this article became a language that many of us Indians picked…

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Chip Internals

Chips: Why is there a shortage?

June 5, 2021 Raj Nikumbh Comments 0 Comment

Why is the Silicon Chips Supply Chain getting disrupted? “Today, humanity fabricates 1,000 times more transistors annually than the entire world grows grains of wheat and rice combined” Covid-19 Pandemic has affected the world in umpteen ways and the chip industry is also affected in many different ways that has led to shortages of parts for all kinds of manufacturers automotive, phone makers, washing machines, airplanes. In today’s world it is very difficult to find a product without a microchip….

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Excerpts from History: Then and Now

May 8, 2021 Raj Nikumbh Comments 0 Comment

“He diagnosed the disease as Influenza. But he has never seen Influenza like this. This was violent, rapid in its progress through the body, sometimes lethal. This Influenza killed. Soon dozens of his patients – the strongest, the healthiest, the most robust people in the county – were struck down as suddenly as if they had been shot” “All Influenza viruses mutate constantly” “On September 27, the day before the parade, hospitals admitted 200 people sufferings from Influenza….

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Lali - A Short Story

Lali – A Short Story

May 1, 2021 Raj Nikumbh Comments 0 Comment

Lali was about 6 months old and Bula’s father was telling him it’s time to let go Lali. Bula’s family had a cow and it gave birth to a calf and like any young one she was adorable. He thought that evolution does this is on purpose as the young one needs lots of support while growing up and by default one is adorable. Lali was full of energy and if one sets her free she will be jumping around,…

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My Gillette - 20 years old

Gillette Mach3: A Product Development Perspective

April 10, 2021 Raj Nikumbh Comments 0 Comment

My Gillette Mach 3 I remember when I was in class 10th which was the year 2000 I had got enough of facial hair that I was using scissors to trim. Most of my Arunachalee local friends didn’t have that issue, some genes at play :). Probably in that year itself my father got me a razor Gillette Mach 3 and it is the same razor that I am still using in the year 2021 and will continue to do…

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Jagat Seth or Banker of the World

March 7, 2021 Raj Nikumbh Comments 0 Comment

The Beginnings Indian history has many stories and that of the Jagat Seth one of the most interesting with many twists and turns. Hiranand Sahu was a jeweller turned money lender from Nagaur, Rajasthan from the Gailarha family of the tribe of Oswals, who moved to Patna in search of better prospects around 1650. He started as a banker and trader of Saltpetre. Patna and a neighboring town Chapra were the center for the refining of Saltpetre, an essential ingredient…

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How I lost my capital on DHFL Investment?

February 20, 2021 Raj Nikumbh Comments 0 Comment

My Initial Investment It was September 2018 that I made my first investment of 80 shares in Dewan Housing Finance Corporation Limited (DHFL) at a rate of 409.55 per share. I bought another 100 shares over the period from September 2018 and January 2019 at an overall average of 309.16 for all the 180 shares which makes the investment 55648 worth of my hard earned money. The shares had fallen by about 42% on bond default concerns. I assumed that…

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