Every place I go to I am asked this question: “With forthcoming elections should we invest now or wait for 2019 election results”. Not only doctors, but common investors (I do IAP too), IFA – almost all of them ask me this question. I reply as follows: When you and your wife want to buy […]
The doctors whom I meet are hesitant to ask questions about money. However some of them feel that the questions that they ask are stupid -because nobody else is asking them. So much so that a book is in the offing….let me enumerate the questions and the answers that I gave: We are 49 in […]
Remember Steve Jobs speech when he says that Connecting the dots can happen only in retrospect? Wow seemed such an insight, and so damn true. I started life as a CA. Living in a Gujju area gave me the advantage of thinking like one – I never applied for a job. Ever. I came close […]
what about some gifting idea for the new Year? what about gifting yourself or a person you love …with a book on Goal based Investing… here is the book review Book Review – You Can Be Rich Too : With Goal Based Investing – P V Subramanyam & M Pattabiraman and here it the […]
Financial planning is not easy, and the biggest mistake one can make is to assume that since you are earning well, you do not need to plan your finances. This is wrong, and well almost stupid. I was writing on financial planning – analyzing case studies using a software – and we wanted to reach […]
When people used to show me their portfolio I would just say “sustainable” or “non-sustainable”. These days I don’t do even that. I just say No comments. When I was advising I used to suggest a bunch of equity schemes. I largely believe that your debt requirements are met by PPF, savings account, and a […]
It is end of the year and everybody will urge you to have goals. Goals for your personal happiness, losing weight, having more money, etc. etc. HOWEVER it is necessary that you should have your personal goals. I know one 35 year old who spends a lot of his money in animal welfare, takes 10 […]