What is a financial statement and how do I create one for my family expenses? How will creating a financial statement help me budget and plan for my family’s future better? This is a question that I am asked quite often. Let me answer it like this: There are various financial statements that an individual […]
Are we in a bear market or in a bull market? Frankly nobody has been able to answer this question when the market is on! 3 months or 6 months later everybody will tell you that “May 2008 to Oct. 2008” we were in a bear market, however now we are in a bull market. […]
Last week I met with a very senior person in a very very big bank. It took almost 10 minutes of security check before I reached him. As usual I asked him “How come your bank which has such a high training budget not spend any money on teaching personal finance to YOUR OWN EMPLOYEES?” […]
this post is partially repeated…there is a link at the bottom which is not a repeat… I am sure all of you know the cap seller and the monkey story. So why am I telling you the same story again? No this is not the same story, it has a twist. A capseller was looking […]
Last week Business Standard wanted to use one article from my blog..I was happy..and would have been happier if they had said….article by P V Subramanyam, Chartered Accountant, who runs www.subramoney.com… but they decided to say P V Subramanyam…Certified Financial Planner… well I am P V Subramanyam but not a financial planner..and that too not […]
One very important thing to know while investing and hoping to create wealth is to know about smartness. Which means when you have a good fund manager who is willing to treat all his unit holders equally, you need not have a high IQ. Also when you are investing directly it is better to know […]
When you do not know something, there is risk. Many people who buy and sell regularly think they are traders. Well most of them are not. For being a trader you need trading skills, tremendous discipline, fantastic connectivity to the world markets – I know people who see the markets at 9pm, then 1am, then […]