10 years ago Mr. Anand Mahindra said he wanted to build an organisation that is known for its service. In fact he said he wanted it to be known for service…in the world. So in 2018 Iam reproducing the speech here…http://www.subramoney.com/2008/04/anand-mahindras-speech-at-nassocam/  It is for you to comment about the quality of after sales service that […]

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I have no clue whether I am being conservative, old, scared while giving advice! Here are a couple of cases: One person with an annual income of Rs. 200,000 per annum supporting parents, wife and 2 children wanted to buy a house. Hold your breath, he was being given a Loan of Rs. 8L by […]

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this is what I wrote 10 years ago. Well, nothing has changed…. Now a complexity index!

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Harshad Mehta fraud. Ketan Parekh scam. Home Trade scam. All of  these frauds had a few things in common. Money belonged to all of us – through the public sector banks. All 3 of them were ‘reconciliation’ case. Investment accounts were not being reconciled. Reserve Bank of India could have developed a debt market with […]

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Medical insurance – from where to take?

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You must have heard this before “Your saving ratio is the MOST important number in your life”. I am tweaking it to say “Your investment ratio is the MOST imp no. in your life”. What is savings? why is it important? If you were doing a business would you want to earn a Profit? well […]

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I can now say it. One amazing mistake that I had made in recent times was with respect to an old Life Insurance policy (taken in 1988 by my wife -4 years before our marriage). It was a 30 year Classic Endowment plan. No that was not the mistake. This policy had my mother in […]

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