Conflict of interest is a big problem while advising – at least this is what the theory says. However I am talking about a slightly different problem. Conflict of what an adviser thinks a client should be doing, and what the client thinks he should be doing. Let us take 2 different cases. One is […]

If I have to go to Bhubaneshwar I am happy to book my flight, and hotel by checking out the rates/ convenience/ timing etc. However when I have to go to Ladakh I prefer using a guide. I am currently using a tour organizer for a trip at the end of the month. So somewhere […]

If I had not called this blog Subramoney, I could have called it compounding. After all I talk more about compounding than about anything else, do I not? So like all of you I first heard of compounding when I was in class 7, but the way it is taught to us, we do not […]

There are 2 crimes which continue to happen all over the world. Some countries which want to solve them have grappled with it well, many countries have not. Let us look at them – Drugs, and Prostitution. Let us look at how the drugs problem is handled by Singapore. If a person is found with […]

I did one paid PR post for one company. Now if they want to use my writing skills they should allow me to write in my style. However, they decided to edit my writing and screwed it up. Their editing screwed what I had written. No, this is not an ego issue. After all they […]

I am not sure who said this – “Predictions are difficult, especially if it is about the future”. This is so damn true. I have always held that if you are predicting about say the equity markets, more than prediction, it is the timing of the prediction that is more important. For example everybody feels […]

The stupidest question that MOST investors ask their IFA HAS to be this question has to be “what return will I get” or “kitna return milega” ? Most IFA struggle with this question. It takes a very mature IFA and mature investor combination to hear the truth. The truth is “I do not know”. Any […]