There are many roads to the poor house. Not just for an individual in his personal life but also how a company can to be taken to bankruptcy or the doors of bankruptcy! Let me enumerate what I have seen: 1. Get used to a high spending lifestyle – far beyond what one person on […]

If you attended IFA meets (where they meet to award themselves ‘best’, ‘gold’ , ‘silver’ etc.) and you hear their language you will be shocked to hear their language! Anyway that is a different post is it not? Today let us look at what the bad adviser’s language sounds like: 1. Why do you not […]

Being a free lancer takes you to various companies and that is good. It allows you to write stories camouflaging nicely to hide the source and the reference to the company. Here is one such story…. Here is a company where there were not “enough” business development / sales manager (the actual numbers and dates […]

This is not exactly what kids ask me…but they do have this question: I have done my CA (or MBA) and I wish to get into equity research / fund management what should I do? And my answer has always been “CFA” from the USA of course. I used to have a lot of respect […]

Many people think that the role of an IFA is to select schemes for the client and then go off into hybernation. I met a bunch of high end IFAs and realized that they do the following things which websites and FB groups cannot do for them!! These high end IFAs (the smallest had a […]

Anybody who does a business has to have a business model. Whether it works or does not work is a completely different ball game, but people need to have a business model and make an attempt to make it work. If you do not have a business model, you cannot create a company, employ people, […]

Most of us want to be DIY but have almost no comprehension of what it takes to be a Do It Yourself Investor. An adviser quickly sizes up the investor and decides how much to interfere with a client or whether there is any need to disturb the client’s learning process. However all investors need […]