Most doctors find it difficult to do differential pricing for their services. Look at Uber. It uses a sophisticated software to price the ride at a different level for different users. It pays the driver differently for different rides (well this I am not so sure, but its a wild guess). When you run a […]

Why did I choose 32 and not a nice round number like 30 for this post? Simple…it takes the mind 2 years to ACCEPT that you have turned 30….so 32! What all should you have achieved by this age: Financial Independence: You should have cut the financial umbilical chord from your parents. You are now […]

How should you deal with clients. Let me tell you something different from what you normally hear! Tell the clients the full truth: well I am sure you have heard this before. Sadly ‘truth’ is not so easy to understand. At various stages of our lives we look at truth differently. There was a time […]

For many of us who write or talk about money, there are some short cuts we use -heuristic – if you may! Let us look at some of the things… To be able to save you need a budget: This is right and wrong. The word budget unfortunately like the word diet, exercise, discipline, etc. […]

Raising kids has never been easy. In fact it gets tougher and tougher as time goes by. Our parents had it easier than us, our kids will do a rethink about having kids. They realize at an young age that raising kids seems to be a full time occupation, and many of them are not […]

Nbfc – a word which only our half angrez IAS baboo(n)s could have coined. It starts with a negative – ‘non banking’ but what an nbfc does is 99% similar to what a bank does. Is there anything which an Nbfc does but a bank does not do? Well the baboo(n)s coined this word and […]

I run into Brigadiers, Colonels, Captains regularly in the place I live. Yes you guessed it right, I live in an Army colony – and most of the people I meet are retired. So if you are 70+ there is a good chance that you saw the war – 1971 – and they have stories […]