I think there are about 30 Indias (yes I mean it in plural). One set can buy 3-4 Mercs and one cannot buy a Merc poster. The utter poverty in CITIES is to be seen to be believed (at 4am if you see a scavenger look for food near the dumps of small time hotels, […]

You are a middle class middle aged person. Ok let us say you have a house worth about Rs. 65 lakhs (you bought it for Rs. 20L) and your age is 57 years. You work for a big company and your retirement age is 58 years. You have 2 daughters – one aged 24 and […]

i wish i had made this video…. since I did not make it, and am a Tedx fan I am posting it… http://www.ted.com/talks/shlomo_benartzi_saving_more_tomorrow.html well this is not really applicable to India -we do save a lot. We do not invest it. We do not insure smartly. Wondering if we had all this BUILT into your […]

On an average the equity market gives 19% p.a. return is a statement that you may have heard often, right? Well this piece of information is useless. Completely useless. It is like knowing the average depth of a lake! So read on… The best example that I have heard as a trainer regarding averages and […]

Who do you think goes out and buys a car? Well there is no great detailed survey in India. It is in the US that you have extremely granular data about car buyers. So you can only guess what kinda people buy cars, right? Well in a poorly sampled study they found that people with […]

  Frankly I have been asked this question so many times that I can answer it in a zillion ways. However this is the answer that I gave in Moneycontrol.com long ago… THERE are some word pairs that go hand in hand. When you say one you cant help but think of the other – […]

If you thought it is about a personal finance workshop that I am about to do, sorry this is not about that. In the past 10 days about 25-30 people have asked me ‘Subra do you still do your Personal Finance Workshops?’ The answer is NO. And the reasons are the following: – Mostly personal […]