About Me

ManiKarthik_TallMani Karthik here…Thanks for visiting. If you are here for the first time, this page will tell you what you will get from this site, and why we should be friends. Read on! 🙂

I’ve been blogging since 2005. What started as a humble blog has grown to become a helpful resource to many. About 150,000 people visit this blog every month and I’m happy to have helped many people with their life. If you have any questions, WhatsApp me (+0014084894785).

I’m very shy when it comes to talking about myself, but since many people ask and in the interest of transparency, here are some facts about me and why I blog here.

What’s this blog about?

This blog is all about improving your lifestyle – getting smarter, growing rich, being healthy and feeling happy about it. When I started this blog, back in 2005, I used it as a journal of how I did things. Like finding good products, cheaper travel options, good eat out restaurants, how to buy things for lesser prices and things like that. Things that I had a keen interest in.

Initially, there weren’t any readers. It was mostly me and my friends discussing things. But then soon people started noticing and I started to receive comments and suggestions. Some people would add to the content, things that I didn’t know of. Some folks would call me out for some outdated information i posted. Some would just thank me for the info I shared and tell how they liked it. That was the turning point for me.

The feeling of a stranger on the other side of the planet, thanking you for sharing helpful information…the feeling you get when you realize that you helped someone, even though in a small way, was so satisfying for me.

It motivated me.

I started to write more about things I knew, I learned and what people wanted to know. In one way or the other, my intention was (and is) to help people out. This is why I started blogging.

Today, I write about everything that I learn and experiment with. Personal finance, Technology, Life hacks, Health… anything that’ll help us upgrade our lives a notch or two, goes in. Sometimes I goof up. But I’m happy to be sharing all the learning with folks like you. I know someone’s making use of it, somewhere.

Who are you?

Little bit more about me…

Originally from India, I currently live in Los Angeles, California. I’m a blogger and marketing/tech guy by profession. Having lived in 3+ countries, I’ve helped many companies small and big in USA, India and the Middle East help build their brands online.

Why blogging?

Blogging is my passion. Like I mentioned above, I find the idea of sharing with the world, your thoughts and opinion, amazing! It’s like being on the world stage and the whole world listening to you. Being a 90’s kid in India, I’ve been fortunate to have seen the growth of technology. From those clunky CRT monitor desktop computers to the touchscreens of today, we’ve come a long way. And like many in my generation, Technology has been a crucial part of my life and growth.

I recall those days where you had to pay Rs.250 for an hour of Internet at the kiosk (Internet Cafe, as they are called) at my home town in Kerala. I used to be one of those kids who got excited by the sound of modem dialing up for the internet. The internet has always amazed me with its possibilities, right from day one, when I signed up for a Eudora Mail, to this day on Allo. It never ceased to excite me. I started playing with it in hand coded HTML and stuff (remember geocities, lycos etc?) and it has been a natural progression thus far. Blogging happened along the way and I’ve stuck with it ever since.

I believe that blogging and social media can be put to good use, by sharing the information you know and helping others become better people in their daily lives. This blog is the validation to that idea.

How can I contact you?

You can email me at [email protected] or WhatsApp me at +001-408-489-4785. I’m also on Facebook, if that’s your thing.

Do you take money for recommending products?

I try to keep recommendations and suggestions on the articles organic and honest. I never try to promote a brand just because they paid me. I do give companies opportunities to reach out to the audience on this blog by sponsorship and advertisements etc. But I never let them mess up the genuine recommendations. If you see an Ad, it will be marked as one and spaced out from the genuine recommendations I have.

How can I trust you?

You shouldn’t. Not me, or any other recommendation on this or any other site. My aim is to give recommendations towards your research and help you make the best decisions. I try to be honest as possible with my recommendations. This blog and the content on it is an honest attempt to help those looking for information about topics that I am knowledgeable about and in no way is the final word on anything. Please use your judgement wherever necessary. You are free to cross check any information you feel is wrong and debate me on it. I’m very approachable and transparent about it.

How much traffic does this blog get?

About 150K visits every month (as of Sep 2016). People from all over the world visit this blog, and most people are from India and USA. Drop me an email if you need stats. You can also check Alexa which gives a rough estimate (indicative figure, not accurate).

Where are you located? Do you visit India?

I am currently living in Los Angeles, California and visit India often. I’m originally from Kerala.

Can I contribute to you blog?

May be. Depends on how passionate you are about helping other people. Let’s talk and find out.

Can we be friends?

Sure thing. I love meeting new people and helping them. You can either email me on WhatsApp me on +001-408-489-4895. (Please include an intro, so I know who you are 🙂 )

65 Comments

Click here to post a comment

  • i want 8 lakh rupees for my younger daughter to do an online masters degree. i want to send my son to usa for aeronautical engineering which costs 60 lakhs, and my elder daughter for doctoral studies in U.K. which is going to cost another 80 lakhs. I have property worth 6 crores in my name for collateral security. From where can I get education loan to finance all the above courses with the same property as collateral security? I want the repayment period to start after one year of passing out from the course. Please advise

  • I don’t know why but when I look at your photo it reminds me of my younger brother who is a doctor and works in United Kingdom. Therefore I want you to be my second younger brother, if you don’t have any objection.

  • I am a Banker. I need an unsecure loan of Rs 7.00 lacs at Kolkata repayable in 1 year. Strictly from private source as my CIBIL is poor due to ongoing dispute with SBICARD

  • Hello Karthik

    This is Manjula , May I know which are the banks in India providing education loans for less interest . I need loan for about 5 lakhs.

    • If you can provide collateral, most of them will provide good competitive rates. I hope you have your credentials to back up (marks etc). I recommend SBI.

  • Hello Karthik.
    This is Vignesh Ravi from India.
    I’m interested in taking UPSC classes.
    I just wanted to ask from where have you collected this data and arranged the rankings of the coaching centres.
    And Suggest Any one of the best institutes for coaching

  • Hi Mani. I need help to buy a credit card which enables good discounts & redeem points. Basically I need it for shopping, watching movies and travelling. My monthly income is about 32000.

  • Hello Karthik.
    This is Vinay Mahajan from India.
    I’m interested in taking IELTS and GRE classes.
    I just wanted to ask from where have you collected this data and arranged the rankings of the coaching centres.
    And is GRE EDGE class good?

  • Hey kartik this is Nimo
    I really want to join air hostess academy I want to join in Frankfinn
    Is it good option??
    Tell me plss

    • Frankfinn is a comparatively better option but again, it’s a franchise business, which means that the quality depends on how your local franchise is set up. I suggest you visit them to find out more.

  • Hi i am Rajkumar and i am 29 years got 8 years of experience in automobile sale and in BPO industry. I want to take my MBA degree in marketing and wanted to in regular college for two years. So is that right decision.

  • hello Mani
    hope you are doing good,Basically i am an automation engineer & doing great job here,in india.
    i like your transparent blogging. i will also join forum.

  • For becoming air hostess, can we do polyechnic in travel n tourism after 10th??
    And then what shall i do/ which courses r there for it?
    help me regarding this mani sir..
    else i m ready to discuss this on email chat..
    thanks

  • Hi karthick,

    Hope you are doing good? I’m a student pursuing Engineering . I’m in the last year of my studies . I wish to join an NGO . I have no experience in the past .Could you please help me in the procedures .

  • My son has completed his 12th and he is willing to do something creative in his career. do advise me few courses so that can sketch something for him. he is interested in acting and cinema work where he learn practical work and can groom better.

  • Hii,
    I’m Nitin
    Actually I’ve passed 10+2 last year and I’m and I was confuse from last year that what course I’ve to do for my AIM ….
    can u please suggest me what course I should Opt for being the part of game Industries actually my interest is in making animation on computer and adding visual effects in the video. I’m not interested in making animated caractors through hand on a paper but ya on computer. It is not that I’m not good at drawing and all but not interested.. I love computer…
    I usually use Hitfilm express 4 and would like to use this type of software for my future and when It come that u have to do programing I’ve have concept and design u have to just program it for making it move or somthing like that I’m interested in this too..

    From my above para u might have got Idea about me that how confused I’m ..
    so, please help for finding college and cousre name because I don’t wanna waste more years….pls…pls..

  • Hallo sir! I,Manish Sharma from varanasi india, want to know about ANIMATION INDUSTRY, and there schope in details. ( including 2D,3D, Top college’s in india & USA and there fee, in details).&what type of corse is avalable for them.AT prasent I purching gradution with CS.

  • In yr blog you have not considered immense burden put on NRI for transactions outside Net banking. Banks like ICICI provide lot of services thro net banking but have very poor customer services. For ex a FD taken out of my NRE account has been wrongly credited to my NRO account. This error which ought to be corrected by phone banking has taken more than 3 mon and not yet resolved. I suggest you also discuss following
    1. repatriation of money from NRO account type of doc sought
    2. remittance from NRE account Banks like Kotak, HDFC, yes Bank do not provide facility of remitting online
    3.ease of closing of PINS accounts
    4. Attitude of Bank Customer Service Officers to find solutions to Grievances and use feedback from Grievances
    I can send a detailed note what ails Indian Banks

  • Hello Mani,

    I wanted to learn Indian stock market ( all terms , how to and where to invest ) from very scratch , any useful resource ?

  • Hello Karthik

    I was looking for online Radio which gives me India & USA Radio channel, very happy after looking your blog and found that, Thanks alot for providing this.

    Thanks..
    Vijay

  • simply i was sitting at office …doing nothing ,felt to do something ..i saw Ur Blog..something i felt interesting …good one …having problems let me meet u in whatsappp. thanks for everything

  • Sir;
    I was operate a operation of my dad of neuro right side brain on 13 Jan 2017 but now also operation second time because of first operation in their right side brain hydrocephalus named disease is developed then shunt is injected on him now there is no change of this disorder please help me sir quick what can I do now???

  • Hi I am shankar I was working on cruise ship for 8 years they send me home.on medical now they dont want me to come.back on cruise ship as they are just offering me $10000 only as a compensation

    Which I dont agree so online I met a attorney who lives in miami and said me she will help me but she has given lot of documenyt to me to sign before she starts the case
    So if u really wanna help me or share your knowledge to me I will be very happy
    So.Please.send.me your email.address

  • Thanks Mani. I just read about TOFEL and its quite detailed.I like it. Which one is better if i want to do it online? Also, its good to see your many feathers of knowledge.Rare piece :).

  • Hi Mani,

    I stumbled upon your blog while searching for some education loans. I must say it was a great help. very clearly described in immensely simple language, which will help a bigger lot to understand and proceed.
    Your efforts are absolutely in the right direction and without further ado, I’m following you everywhere. You are an inspiration for all the youngsters.

    Keep writing and keep shining!

    Warm regards,
    Nav 🙂

    • Thanks you Sachin Sir, Glad to have met you. It’ll be my pleasure to have you around. Please do join the forum where I’m sure you can provide insightful answers to questions (esp the Education related topics).

      🙂

  • Hi, This is Boopathi ([email protected]) from Erode, TamilNadu, INDIA. Presently i am working in pvt ltd company. My aim is to start systemized, best export company. Last month itself, i started my works towards starting my export company. I am new in this field of export. I want to do it happily. Can you help me to do my export best around the world?

  • Hi, I want to open NRE / NRO account and after looking at the account description in your blog, I have 1 question. If interest earned on NRO account is taxable compared to non taxable interest income in NRE account, why someone will open an NRO account? Even though, I am travelling for few years only, isnt it advisable to open NRE account only?

    • You cannot deposit Rupees from income made in India to NRE account. For example, if you have a house given out for rent, you cannot deposit the money to your NRE account, it is only used for remittance from abroad. Such situations, you will need an NRO account.

  • Hi Mani Karthik,

    Could you please suggest me any good internet plan with better price only for 2 months. I am going to visit ahmedabad (Gujarat, India) thus i need wifi internet

  • Many Thanks karthick .
    My warm regards and appreciation towards ur blog and to your thoughts.
    Thanks for giving a push to me to think differently ….
    Will contact u sooner for some queries and ideas .

  • Hello Kartik.

    Me Anup singh from north India currently working in Los Angeles. I just came back from India before demonetization and I have 6000 rupees (in 500 and 1000 notes). I am puzzled how to exchange these notes. I tried western union and other services here in Los Angeles but nobody willing to exchange that currency because of change. I want to know how I can exchange theses notes. I do not have any plan to go back to India until October 2017. Please advice me.

    Anup

  • hi karthi
    i have just stumbled upon your blog.
    quite interesting.
    you are a goodhearted person.
    my sincere appreciation to all your efforts.
    you are pride of our nation.
    long live.
    chellapandian.
    madurai.
    tamilnadu.

  • Hi, this is Varsha Darshini Jain. I am amazed by seeing your helping side. This blog is quite useful for me in many ways.

  • Hi Karthik,
    I am Post graduate with around 3 years of work experience,planning to do a certificate course,can you help me finding out banks giving loan amount of 50000,(father retired govt employee)cant provide any security.thank you

  • I am really inspired you , i am priyanka choudhary , live in india at rajasthan , i want to become an air hostess and now i need to information and knowledge i ‘ve completed gradution 2nd year and perusing last year

  • Gone through your blog. Thank you. My brother is suffering from brain tumour.(recently detected ). Interested in getting treated in my country i.e. India. Please have your expertise advice.
    Regards,
    Subir Bissas.