It hardly matters who is the real estate buyer – when they come out of the deal, they tell you how they got great returns. You are not keen to puncture their ego. So here is the case of 2 people – I will give you the numbers of one person. He had bought a […]

Long ago I had done an article “financial milestones by age 32” – this is a late sequel to the same. http://www.subramoney.com/2018/10/financial-milestones-by-age-32/ http://www.subramoney.com/2018/10/financial-milestones-by-age-32/ You have learnt all the basics about investing and therefore have a 6 month expense set aside in an emergency fund. In a combination of liquid funds, savings account and ultrashort bond […]

One thing I have earned a lot in the last 20 years of training and 11 years of blogging is tons of Goodwill across the country. I met one man who has been reading EVERY post of mine for the past 11 years..and has increased his sitting tight ability and has invested only in 2-3 […]

It is customary for people to say “oh you have a promotion..where is the treat”. What we mean is a) please treat me in a hotel or b) give me a sugar high Long long ago sugar was difficult to get and maybe even 100 years ago all of us may not have had enough […]

Who wants financial literacy? When you ask this question almost all hands will go up in any group. Now let us say you are a doctor and you have been informed that there is a workshop on finance. Do you think doctors will turn up? In an office with many women 2 workshops are announced […]

Have you ever found time to sort out your bank accounts?  Mutual funds? direct shares…? Is it easy to find time to sit with your family and talk about financial goals? Well, it is not about time, I think it is about asking yourself “do you have the ENERGY to do these  mundane things”. Normally […]