For most of us, deciding when to sell is a lot harder than deciding when to buy. It’s not a subject that gets much attention, largely because it can depend on individual circumstances–when you bought the stock, how big a part of your portfolio it is, etc. Also the sell calls are not really […]

At what age should one start preparing for retirement? It is customary to say – the day you get your first job. Let us be fair, this will NEVER happen. No 23 year old kid is going to think about retirement (that too his own!) when his parent is still working. At your age of […]

First let me clarify there is nothing called a Rs. 1 crore house in Mumbai anymore. If you buy a Rs. 1.5 crore house, it actually works out as follows: Technical cost of the house (today) is really immaterial…your cash flows are as follows: Down payment              Rs. 30 lakhs […]

I have said this many times in my blog and many people may be wondering what it means. Let me explain what is a Rich attitude with some characteristics of a person with Rich attitude: 1. They are ‘Santhust’ or ‘Satiated’ with what they have. 2. Being satisfied with what they have does not mean […]

First of all we all need to understand that the main stream media (msm) only carries advertisements. Some of it you recognise as ads, some which you do not. This Saraswati Pooja let us learn and just not fall to their sales gimmicks. Yesterday / Today / Tomorrow you will receive Real Estate specials – […]

In the Long Run we are all dead or a new CEO will kill us. – Just modifying Lord Keynes’s words. This is likely to be a little long and boring post, so please bear with me. How many of us have been saddled with a bad / terrible life insurance product masquerading as an […]

There are 3 statements of Mahatma Gandhi – which are so unique and really awesome. Sadly not enough has been written about these 3 statements. Choosing your problems  – a brilliant concept and I had written about it earlier – here it is http://www.subramoney.com/2011/02/choosing-your-problems/ I am Rich by the things that I can live without! […]