Meeting many doctors helps. More than the class it is the post lecture lunch where more truth is spoken. Like they say more truth is spoken at the hotel bar than ever at the court bar! So here is a summary of what I have heard over the years….funnily some are contradictory – showing that […]

I am asked the following questions while on air or in the blog…or in a class room…and I seriously have only one answer… What are the questions? I have 30k to invest where should I invest? I have sip in …..xyz fund, abc fund, def fund,….is this good? I need Rs. 100 L for my […]

Sadly Indian research on people’s spending habits is not available. The Americans have some numbers which are completely useless for us. For example you will find a number of 70% – in retirement you will spend 70% of what you spent in the last year that you were working. IN American language it means the […]

A few days ago I wrote Job or business – part 2….here is the part 3 Look at Risk Reduction techniques The most important thing that a business does is to create different streams of revenue. Even when you have a job you have to (must) create different sources – dividends, rent, interest, side business. […]

What happens when artificial and real solid barriers are put in a growth area? It is good for the OLD and successful players. So when the mutual fund industry makes it difficult for new amc to come in, it is the big and old players who are likely to grow stronger. Let us say there […]

What happens when you see a news item like this in the morning paper: “Doctor rapes Patient” in ….. or “Chartered accountant cheats old lady” or “Bank manager swindles money from a senior citizen” You get the drift, right? Well, the press has the ability to make or break our likes and dislikes. We suddenly […]