It takes 17 years to pass class 12th in India. Then you can become a financial adviser. For a doctor who is in the top 500 in the Board Exam, if he/she gets through another grueling exam, he can qualify to join a medical college. Then he passes his MBBS in 4 years and does […]

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I had asked Swapnil Khende…to do a series of articles on books to read…here is part 1 .. “Investing success does not accrue to those with savant-like expertise in one field of intellectual endeavor, but rests on four pillars: a command of financial theory, a working knowledge of financial history, an awareness of financial psychology, […]

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Whenever I do an article on returns and say 18% return…somebody will remark “this is too high”. Of course a few will say 18 is not possible, only 12% is possible….or some shit like that. Fact is none of us know what rate of return we will get over the next 30 years. Fairly obvious […]

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The client is a senior citizen who has (had) a 49 year old daughter. Father deals with a different bank, daughter deals with a different bank. Father’s banker asks the daughter to take a ULIP (AS usual). Daughter reluctant takes a policy. Banker as usual goes with a clerk (called manager of course) from the […]

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Many CAs and even some IFA will tell you to keep your personal finance and business finance separate. We may do the philosophy of this in a different article..here are the “how to” steps for the same… As soon as you start a business open a new bank account – if there are not too […]

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Radhika Gupta and Edelweiss are not exactly the most popular words in the mutual fund industry today. Many bond fund managers, CEO, and promoters have seen their PnL rattled – or at least the perception that things could change. Personally I have not stopped my SIP into an ultra short bond fund, so change I […]

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You are about to start a big business. Big in the sense that nobody in your family ever did any business, and you are stepping out on your own for the first time. Obviously on the first day of your business you are Chairman as well as Chaprasee of your company, and it may remain […]

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