Let me start with a caveat. I am not a HR expert, but I have interacted with many people and asked them…’what really are you looking for a in a job’. I have got interesting answers…So let me enumerate..from my limited experience. 1. When a kid starts out on a job the expect a lot […]

First obvious advice is “Do not buy ULIPs”. This obviously falls on deaf years. “Subra I knew you would say NO, so I did not ask you” is a classmate’s confession – in a different context of course! So you should not buy a ulip. However if you have bought it, how long should you […]

The World may come a full circle..but it is nice to see the elimination of the small in the BFSI space. The very early victims of the elimination program was when they eliminated the small sub broker. He had a role to play when there was a physical securities – shares had to be transferred […]

Here are some more investing common sense…it is not as though I have not said it earlier…but just a year end reminder. 1. More than 90% of Warren Buffet’s returns can be explained using Compound Interest, Patience, and Time. More importantly 99% of his current wealth has been created after he reached 50 years of age. […]

“Subra will you speak to my Dad regarding his flat in Navi Mumbai?” This was almost a frantic call from a friend. And knowing my views on Real Estate, I was surprised to get such a call from a guy whose family past time was to buy RE in Mumbai and Delhi. A little bit […]

A few days ago I wrote on FB that people ask me wrong questions, let me enumerate some of them. Please remember that I am not really a hand holding personal financial planner, so the questions to me are lesser, but here….(and these questions are thanks to the media): 1. Subra the market has gone […]

None of us plan to fail. We all know that we will live till 90. Sorry make it 110. So what? – we are too damn young to buy a term plan. Why waste money after all we know we will live that long. – we have bought a pension plan. Piddly by projected inflation […]