Should you use a credit card or a wallet? I do think each one has its advantages and disadvantages. The biggest advantage of a wallet is you know that money is there and can be used – the upper limit is fixed. So if you want to give money to your children staying away from […]

I have no clue whether resolutions work..but I guess people make them anyway. So here are somethings that you can do…. Keep improving your financial literacy. Look after your PHYSICAL health. People talking personal finance from just personal experience ARE shallow. Personal finance is easy BUT BORING. See if you are up to doing it. […]

For your investments to succeed you need to have a lot of insurance. Let me explain. Let’s say my father started investing in 1960, and I started investing in 1980 and my daughter starts investing in 2018. Remember we are building on what is already there. For money to compound over long periods of time […]

To be an entrepreneur you have to be a little mad for sure. You leave a 9-5 job and take on a 8am to 11pm job. You have uncertainties. You live with the fact that 95% of start ups fail in the first 5 years. You are censured by the family for “giving up certainty” […]

Many people in the BFSI space need an IFA. Some of the real smart people know it. It is the pseudo intellectuals who think that they can handle it themselves. I met one CEO who thought that he could NEVER sell his own shares. It took me 16 horses to pull him over to my […]

In 30+ years I have not been asked such tough questions…all these questions are less than 5 years old…As usual I am not sharing the answers that I gave. I am sure many IFA would have got such questions. I would love it if some of you can share such tough questions which they have […]

If there is a more painful story in the life of a man I have not read it! I am talking about the story of Jack Whittaker Jack was in the frenzied crowd in 2002 buying lottery tickets. It is one of the worst things to do to get rich, but remember lottery tickets sell […]