“New Year’s is a harmless annual institution, of no particular use to anybody save as a scapegoat for promiscuous drunks, and friendly calls and humbug resolutions.” – Mark Twain   so just go and make your humbug resolutions….

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For those people who want some resolutions regarding their health, but nothing to do with their weight! 1. I will have my breakfast regularly – every day – too many people have already told you the reasons, right? I will skip the reasons. 2. I will snack: Yes, but snack smartly. Fruits – apple, orange, […]

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Yes you read it right, and this is the advice that I gave a person who was willing to invest…. Obviously, there is a catch. This is about a 86 year old widower who has a couple of million Rupees lying around in his life. He has a pension which is 2X of his monthly […]

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When a company or an individual has NO borrowings, it pays no interest, right? Well no. Let us take the case of a company first. Interest is what you pay for using some other person’s cash. Well if you use an asset you are paying interest in another form – called rent. So if you […]

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For those who noticed, this Sunday-Monday I had carried an article about the cost of postponing. It was an article by the Marketing Head of a life insurance company. I have decided to carry guest articles – it gives the readers a wider choice to read from. Here is a general caveat: Expect articles to […]

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It is customary for magazines, blogs, television channels….to start writing about investment resolutions for 2013. So the month of December is about thinking of what resolutions to make. I am not sure what the others do, but for me this is really easy. Go to 2008, 9, 10…12 and cut and paste. Not that I […]

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Hi Subra, What you are saying makes sense. But sometimes used to think are we unnecessarily worrying about the retirement. If someone has one or more sons wouldn’t they take care of their parents? Say, their parents has decent income can’t they provide the shortage amount for them? I am taking care of my parents […]

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