Money · Apr 21, 2026
Airline Miles Cards in the Gulf, Priced Out in Dirhams
A miles card only pays if the miles beat the fee. Here is how to convert Gulf airline miles into dirhams and judge whether the card covers its own cost.
By Sicherhaven
Blog
Writing on finance and technology
What we read and think about in financial technology: wealth management, security, sustainable finance, and where AI fits into all of it.
Latest posts, page 10
Money · Apr 21, 2026
Bank Fees You Can Ask to Have Waived
Several UAE bank charges are negotiable if you ask the right person the right way. Which fees to raise, who to ask, and the wording that works better.
By Sicherhaven
Events · Apr 21, 2026
Cochin Carnival: What Happens on Each of the Final Days of December
A day by day look at the Cochin Carnival in Fort Kochi: the build up, the sports and street events, the New Year procession and the Pappanji burning.
By Sicherhaven
Money · Apr 21, 2026
Find Every Subscription You Forgot in One Statement Read
A fifteen minute pass through one card statement finds the recurring charges you forgot. The merchant name patterns that give a subscription away.
By Sicherhaven
Work · Apr 21, 2026
Padding An Estimate Is Not Lying: How To Add Buffer You Can Defend
Hidden padding gets cut in the first review. Here is how to add buffer to an estimate as a named line tied to real risks, so it survives the conversation.
By Sicherhaven
Work · Apr 21, 2026
Reply Time Expectations, Written Down Before They Become Resentment
Agree what same day means, what after hours means and who can escalate. One short paragraph on reply times prevents months of quiet friction on a team.
By Sicherhaven
Events · Apr 21, 2026
Selling Sponsorship to Local Shops for a Small Kerala Event
How to price tiers, what to offer a bakery or a coaching centre at each one, and the one page pitch that works when you walk into the shop in person.
By Sicherhaven
Events · Apr 21, 2026
Where to Stand at Thrissur Pooram to Actually See the Kudamattam
The umbrella exchange draws the biggest crowd of Thrissur Pooram. Where to stand for the Kudamattam, which paid stands help, and how early spots fill.
By Sicherhaven
Work · Apr 21, 2026
Work In Progress Limits Explained With A Kitchen, Not A Factory
Why starting less finishes more, explained through a restaurant service rather than a factory floor. A plain guide to work in progress limits for managers.
By Sicherhaven
Money · Apr 20, 2026
Converting Bank Points to Airline Miles Without Losing Half the Value
Transfer ratios and fees decide whether moving bank points to airline miles gains or loses value. Here is the break even test to run before you convert.
By Sicherhaven
Money · Apr 20, 2026
Salik, Parking and Fuel: What Driving Costs You Every Month
Fuel is the number people quote. The real monthly driving cost adds Salik, parking, insurance instalments, servicing and the charges nobody counts.
By Sicherhaven
Money · Apr 20, 2026
Saving 20,000 AED in a Year: The Month by Month Plan
A twelve month schedule for a 20,000 AED goal, the three months where the plan usually breaks, and the catch up move that gets you back on track each time.
By Sicherhaven
Work · Apr 20, 2026
When The Deadline Comes From Someone Who Will Not Do The Work
A deadline set by someone who will not do the work is answered with a trade, not a refusal: show what fits in the date, what does not, and let them choose.
By Sicherhaven
Work · Apr 15, 2026
Burnout Shows Up in Ticket Data Before It Shows in a Survey
Late night activity, reopened work and one person answering every question show up in ticket data long before a survey does. How to read it fairly.
By Sicherhaven
Work · Apr 14, 2026
Comparing Leave Trackers: Spreadsheet, Standalone App, or Built In
Three ways to track leave judged on approval speed, accuracy at year end, and whether the project side ever sees the answer, including when a spreadsheet wins.
By Sicherhaven
Work · Apr 14, 2026
Is A Dedicated Project Tool Worth It For A Team Of Six
An honest look at whether a team of six needs a project tool, when a shared document is genuinely better, and the four signs you have outgrown the sheet.
By Sicherhaven
Events · Apr 14, 2026
A Kochi Weekend for Someone Who Hates Sightseeing
Cafes, bookshops, a slow ferry, a swim and one long dinner. A two day Kochi plan built around doing very little on purpose, with no monument queues in it.
By Sicherhaven
Work · Apr 14, 2026
Per Seat AI Pricing: Working Out What You Pay Per Approved Output
How to turn per seat AI pricing into a cost per approved output, the only number that compares fairly against paying someone to do the same work by hand.
By Sicherhaven
Money · Apr 14, 2026
School Fee Instalments: What the Bank Charges Against What the School Charges
Three ways to spread the same school fee: the school's own plan, a card instalment conversion, and a personal loan. How to compare them on equal terms.
By Sicherhaven
Work · Apr 14, 2026
Sick Leave Spikes: Reading Them Without Guessing About People
Sick leave spikes after a hard release are a team signal, not a personnel file. How to read the pattern at team level and stay clear of medical detail.
By Sicherhaven
Work · Apr 9, 2026
Getting a Sceptical Finance Director to Approve AI Spend
Three objections stop most AI purchases: unclear savings, unclear liability, unclear exit. Here is what evidence answers each one for a finance director.
By Sicherhaven
Events · Apr 9, 2026
Are Paid Instagram Ads Worth It for a 300 Person Event in Thrissur
Do paid Instagram ads beat free sharing for a 300 person event in Thrissur? How to decide with your own gate numbers, radius settings and a test budget.
By Sicherhaven
Work · Apr 9, 2026
Six Numbers to Track Before You Switch On an AI Agent
Six baseline numbers to capture in the two weeks before an AI agent goes live, because none of them can be reconstructed once the old process has changed.
By Sicherhaven
Work · Apr 9, 2026
The One Page Capacity View Managers Actually Open on Monday
Most capacity dashboards get opened once. Here are the four things a one page capacity view needs so a manager can act on it before lunch on Monday.
By Sicherhaven
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