Long ago when I had many brokerage clients and we ran a business, my partner asked me “how many diwali greetings do you need” and I absent mindedly said 2000-2500. He said be specific. I looked up and he said “look we have cards of last year lying in the loft which we have not […]

Aswath Damodaran – what a brilliant piece on China and valuation….read on http://aswathdamodaran.blogspot.in/2015/08/beijing-blunders-bull-in-china-shop.html

Ayn Rand is a great author. No doubt about that. 2 packs of cigarettes a day, she destroyed her lungs. No doubt about that too. She spent the last few years in isolation….well well I read Ayn Rand while in college. R A Podar college library introduced me to Ayn Rand. Then of course I […]

Educated Indians have a lot of myths about Mutual funds…and the regulator needs help! So let me do my bit…. 1. Does mutual fund always invest in shares? A share is a share in the share capital of a company. Normally mutual funds are like a bottle – their value is in what they contain. […]

Personal finance is simple. However by saying ‘not complex’ i may ACTUALLY attract more viewers. That is the problem in personal finance. Most people do not show any interest at all in understanding what they have to do. People can be classified into the following categories: 1. “Subra if you tell me this will work […]

“Subra I am 38 years of age, and I wish I had come to your blog earlier – it would have changed my life”. Anon reader. I am not sure what many of these readers mean when they say that they should have come here earlier!! However let me hazard a guess. I think most […]

Hi! Over the years, you have invested a lot of time and money into your academic education. You have broadened your perspective to the next rung of the ladder, and invested in your professional education as well, via job-specific training. At this level you command a higher income, and get to enjoy more of the […]