Raising kids has never been easy. In fact it gets tougher and tougher as time goes by. Our parents had it easier than us, our kids will do a rethink about having kids. They realize at an young age that raising kids seems to be a full time occupation, and many of them are not […]

Nbfc – a word which only our half angrez IAS baboo(n)s could have coined. It starts with a negative – ‘non banking’ but what an nbfc does is 99% similar to what a bank does. Is there anything which an Nbfc does but a bank does not do? Well the baboo(n)s coined this word and […]

I run into Brigadiers, Colonels, Captains regularly in the place I live. Yes you guessed it right, I live in an Army colony – and most of the people I meet are retired. So if you are 70+ there is a good chance that you saw the war – 1971 – and they have stories […]

This is based on the lives of 4 women I know personally who have been cheated by their husbands. I am not getting too much into the details, but all the 4 stories have had a pattern…. H and W get married…live well. Then the H turns and says “listen why do you not look […]

I keep saying that I left ‘numbers’ long back and I do not chase numbers. Of course Financial Independence is different from Retirement. I am FI not necessarily retired. Yesterday I told an ex Journo from Chennai “I enjoy talking and writing about money” – exactly why I will never ever give up training. I […]

Many people ask me “what is an ideal portfolio” and till date I do not have an answer. Now I will tell you why. Let us look for an Ideal Prime Minister and an Ideal cabinet which does the perfect things. Do you think this exists? No. An ideal PM has to ONLY work for […]

I am dealing with a lot of millennials in my talks these days and I realize that they are finding it difficult. For most of them the conversation starts with “do a sip….” and they say the following: you do not know how expensive it is to live! I have other expenses too Subra Sir […]