To save for tomorrow or to spend today is a dilemma that no one seems to have been able to solve. I guess it is one of those problems that competes with the prized unsolved problems that still exists in literature. Of course there is no one solution that maps to all the people. So, I will assume a persona ``You are a salaried individual who earned more than what you could spend and has an Indian mindset of saving for the rainy day and have been focusing on saving. You are married. You have kids who have completed their education and "settled" (in Indian lingo) meaning have started earning their living and are not dependent on you (may or may not be married, yet) and neither your family (parents/siblings) are not dependent on you financially. You have retired . You have a corpus and a monthly pension from your work savings (see Money Matters ). Now the dilemma is whether To Save or To Spend .'' A Theory In general, the majority Indian attitude is to save with the h...
Indian Patent Filing. Can I file a patent by myself. No patent attorney. No, nothing. An Experience. Logging into IP Portal As soon as you land on PATENT eFiling page you have two options. Create a (a) Electronic Signature or (b) Digital Signature. I choose Electronic Signature more because of familiarity of using my Aadhar to esign (for example Indian Income Tax Returns) Q: How to Procure Electronic Signatures? A: As per the e-Mudhra policy, all e-filing users are requested to use only the e-Mudhra sign-up link provided on the IPINDIA e-filing portals to subscribe to the e-Mudhra e-sign. Users are advised not to register through the general emSigner website, as it may result in subscribing to a plan that is not aligned with the specific requirements of IP India/Patent Office. The sign-up URL is customized and specifically provided by e-Mudhra for e-sign users of various IPINDIA e-filing portals. Following the URL you go through a process of generating an ...