There are some very important things that you should know if you are a decent investor…even semi decent is fine….by the way….. 1. Leverage: borrowing money to do a deal. You have no clue of the time frame for which you are doing the deal, but hope to make a killing. Normally the deal, the […]

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Over the last few months, I think I have underperformed the market. No clue simply because I do not remember ALL the transactions that are worth comparing. Let me clarify. I do trade on the portfolio that I hold. So if say I have 5000 Cummins and I feel it is over priced at 535, […]

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The chances are that you are either employed somewhere or you are in a business. If you are in a business you understand that 1. First you create a product, 2. Make it, test it and then deliver it to the client 3. The client buys it uses it and then makes the payment…. Right? […]

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When you think of accumulating a large amount of money we trouble ourselves into believing that it takes a lot of money to create money. Well it is not so. It is simpler. In fact much simpler than that. But those are the exact three words that can help you retire with Rs 40 a […]

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Money management is the whole process of getting wealthy and includes: earning, budgeting, spending, borrowing, accounting, taxation,  saving, trading, investing, etc……. So it is likely that some of the points here could be relevant to you but not to APPLICABLE at this point in time……but still please read on: 1. NOT knowing the difference between […]

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I have been asked this question a million times, and I have said NO a million times. However, like all personal finance (and especially life insurance) topics there is no straight forward answer. So let me start by saying NO. If your children are young, and dependent on YOUR income they do not need any […]

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Money laundering in India is not a very difficult thing….it could be complicated yes, but not difficult. Also there are many things that you can do with the cash. You could buy tiles for your house, furniture, eat in expensive restaurants, hire a car, air travel…..but beyond an X amount of money that you need […]

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