You have heard many stories about why you should start saving early. Stories like Ram started saving at age 25 and Shyam started saving at age 35…etc. Here is another twist to the same story. When you start saving early – what is really benefiting for you is the power of ‘saving’ rather than the […]

When you travel by GoAir they ask you to come 2 hours before the flight. They are right. You need to go. Their counters are so few and so over loaded that it takes an inordinately long time to check-in. Wait a minute…why can’t I Web check IN? Well for a good seat Go Air […]

SEBI actually does a good job of information disclosure for investors – IPO or a mutual fund. However being a regulator and with all the baboo(n)s running it obfuscation is the name of the game. Take a simple thing like “Past performance is not an indicator of future performance” – or something to this effect. […]

Most doctors come to me and say “we took medicine because we were not good in math”. That is great. However many doctors (egged on by some CA) have started measuring ‘door to door time’ – when they have to go to a hospital they not only calculate time spent at the hospital but also […]

There are very few financial issues that cannot be prevented and solved  by the purchase of reasonably priced insurance policies and living a middle class lifestyle while earning at attending levels. Most of us can have anything we want but not everything they want. We over estimate our income, and calories burnt in the gym. […]

Here – call it bias – confirmatory bias or whatever else…here is an American story. It shows how a home – expensive in this case – or even a cheap home can push back your retirement by a long time. It is a long post but it is interesting. Many Indians are trapped in such […]

Most doctors who attend my talks….ask me this. I thing this comes from the fact that somebody has been approaching them with the offer of ‘financial planning’ services. Lets face it. The number of financial planners have increased – so the need for marketing has been felt. So all and sundry are calling themselves financial […]