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Latest Posts

Posts are long-form articles that explore broader topics or ideas in depth. They often combine multiple notes, examples or insights into a cohesive narrative, like guides, essays or deep dives that connect related concepts.

4 Years in the USA

Today marks exactly four years since I landed in the United States. It’s been a journey filled with growth, challenges, and a...

How Internet Works

The internet isn't a single thing, it's a series of handshakes, lookups, and translations that happen in milliseconds. Let's...

2025 Year in Review

As 2025 comes to a close, I find myself sitting with a profound sense of gratitude. It’s been a year of immense learning,...

Car Leasing Explained

So you have decided to lease your car in U.S. and have an established credit score. Let's explore in detail what a car lease...

Buy vs Lease a Car

Maybe you come from a country where leasing doesn't exist. You either buy a car or use public transport. But in the U.S.,...

Hello World

Every great journey online begins with a simple Hello. I'm Karthik Kadambi, and this post marks the start of my personal...

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Latest Notes

Notes are short, focused pieces of content that capture a single idea, concept or reference. They're smaller than full posts and often serve as building blocks: quick explanations, definitions or insights that can later be linked or combined into larger posts.

Essential Grocery Apps

Grocery shopping in the US can be done entirely from your phone. Key Apps Instacart: Delivery from almost any store (Safeway,...

SF Bay Area Transit Clipper

If you live in the SF Bay Area, the Clipper card is your ticket to everything. One Card, All Agencies Whether you are taking...

Is Costco Worth It?

Costco is a US institution. It's a warehouse-style store where items are sold in bulk. Membership Levels Gold Star...

Best ways to send Money home

As an H1B holder, you'll inevitably need to send money back home (e.g., to India) for family, savings, or investments. While...

US Health Insurance

The US healthcare system is notoriously complex. Here's a quick primer on the terms you'll see during your company's...

The Magic of the HSA

A Health Savings Account (HSA) is one of the best financial tools available in the US if you have a High Deductible Health...

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