It was in 1979 that I started investing/ trading. I was in class 12 and there was no need for a demat account or even an agreement with the broker. I could just call and say “I want to open an account” and an account was opened. I still deal with the same person – […]

For reasons known to all a few of the sponsors pulled out of the The Morningstar Conference, Mumbai 2018. It was still a good hit, and had some top names in the investment world. Most of you can Google and find out the names – I will not waste your time. It was a good […]

When a child under 5 makes mistakes you should blame it on the parents for not setting a good example is what I was told. However, in India when a 24 year old (or even a 54 year old) listens to his parents and makes mistakes whom do you blame? The millennial for asking? The […]

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. […]