At 45, if a customer purchases a plan of Rs 50 lakh with a deferment period of 10 years, he can get an annuity rate of 12 percent with an annuity amount of Rs 6 lakh each year This is what the ad for Hdfc annuity plan says. Which means if you are 45 years […]

Every mutual fund you go to will tell you the following: It is impossible to predict markets you should keep doing your sip in the long run the id-cap shares may or may not out-perform the large cap….and more such shit. Largely they are guessing. They are hoping that you die before they leave the […]

What a topic to write on…on Women’s day! Right? Hell, no. This is just a click bait! I just choose this title because I think many women will search for this line – and hey I have your attention, do I not? Well here is a list. Believe me..if I had said what MEN should […]

For those of us in the 50s the word IRA can bring dreaded images! No, here I am not talking about the Irish Republican Army, I am talking of Income Reducing Activities or habits. For the next one week carry a small note book with you and classify your activities into the following: a) Income […]

Please do not believe what people say. Believe what people do. See their footfalls. That reveals far more than what they say or write. For example I keep saying “I want to lose weight”. That’s as true as it gets. However, I am unable to give up carbs, sugar, milk ON A REGULAR SUSTAINED BASIS […]

Most of the rich people that I know or have met have 2-3-4-5 sources of income. Even if they are full time into business, they do find some manager who will ensure that they create a few more sources of income. The most common assets that they have created over a long period of time […]

I have an awesome luck of dealing with rich, very rich, and can never get rich people!! Ok that was just to get you here. I am planning to pen down some of the things that I have observed about rich people and those who cannot get rich. Here is one about how the real […]