There is nothing right or wrong about using a credit card. I do not use one too much, but it has a role to play in life. YOU should use a credit card, but know the mistakes that we can commit or do commit…here is a check list. The list is not in any particular […]
Though it may be anecdotal, there are some HR people who cannot reconcile their own salary from a CTC to take home! Why does this happen? Simply because the CTC is a concept which can include many things, not just the Income tax! For example if in a bank you are entitled to a Rs. […]
If Corporate Governance is supposed to protect the retail shareholder, it has failed COMPLETELY in the PSU. Not that it is great in the private sector, but in the PSU it has completely failed the minority shareholder. That means you and me. 1. Electricity thefts are a political problem but the economic impact of that […]
The most obvious reason is if you do not teach money to your kids, nobody else will. So YOU must. And for all of us Children and Money both are very important. In fact the cost of having a child is so high that many people are wondering whether to have a kid and if […]
Now that we are in March and have forgotten our January resolutions, let us look at some resolutions which are easy to stick to: 1. I will have my breakfast regularly – every day – too many people have already told you the reasons, right? I will skip the reasons. 2. I will snack: Yes, […]
I had done an article saying ‘Fixed deposits or Debt funds?’ a few months back. Now I am asking a question again: Bonds or Bond fund? Recently there have been a spate of bond issues by PSUs and they all have been at attractive yields. When I argued in FD v Debt fund, the argument […]
This is a true conversation which happened to a friend RM: Hello Sir Am I speaking to Mr. M C ? MC: Yes RM: Sir I am your RM from M….brokerage firm MC: Yes RM: Sir I see you have some Gold in your portfolio…Gold is not going to do well…s..blah…blah…blah… MC: Please see properly […]