When I speak to women – right from 23 to 60 I find a sense of ‘money is not my issue – my husband takes care of that’ kinda attitude. It is not that all women are like that, but most of them are like that. Then there is another category – say aged 32 […]
The Term Insurance is the ONLY sensible product that a life insurance company makes. However, the premiums are very low and hence NOBODY in the chain likes to sell this. So the manufacturer does not give any incentive to the sales person and the sales person is OBVIOUSLY not keen to sell it to you. […]
One amazing that is happening is that there is a huge surge in the number of SIPs in the country. Now the mutual fund industry gets Rs. 4000 crores a month for investing in the share markets. The fund managers privately accept that the markets look fully heated up and they do not know where […]
Most fathers or should I say parents live a fairy tale life. It makes it impossible for them to scale down their ‘i deserve this’ life style. So if a parent is earning well and spending well there is a need to ask him the following. Well some of the things that I have asked, […]
I am restricting myself to the financial services sector..and I would like to see the following: a ban on my banker seeing my bank account and selling products to me a compulsion that a banker has to sell an index fund, and a term insurance BEFORE pitching anything else the banker telling the client UPFRONT […]
In life we are all generally confused about what we want. We want too many things from life. We want the Job Security of a Central Government job, the salary of Citibank, spend time with kids, vacations in Europe and USA regularly, a big house, a big car, financial freedom, ….I am sure you have […]
“I am 44 years of age, my wife is 40 years of age..and we have only Rs. 30,00,000 for retirement and we realize that we need much much more for retirement, have you written anything for a late starter like me?” This is not an isolated case, there are many people who are hit suddenly […]