I have a friend who says whenever he gets a raise – or around that time – his father has some demand worth Rs. 30-40k come up. It could be remodeling his furniture, change of a/c, new washing machine, …a vacation etc. His father used to work in a private sector company and retired as […]

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About 12 years ago she came to me for investing her money. She is a well educated woman, has a smart daughter – and there is no man in her life. She is divorced, her father died about 7 years ago and she does not have a son. I am saying all this because when […]

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When you are in your 20s and 30s which is the biggest asset that you have? House? Car? Mutual funds? No. None of them. Then what is it? It is your future earnings. In Finance terms the NPV of the future cash flow of your earnings. Let us say you are a CA and are […]

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Let us face it, when the market was at 15000 most media stories were how: a) people had lost lots of money in the equity markets, b) how fixed deposits and PPF had given better returns over 3 years c) why people should be scared of the equity markets. One good thing about the media […]

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A few days ago I posted some money management rules which had changed…so here are a few more: Most of the rules are what you have heard…or will hear. 1. A. Stay away from equity. 1.B. New Rule: Staying away from equity will ensure that your portfolio is well short of meeting your retirement requirements! […]

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Caveat Emptor ….is of course Buyer Beware…for the readers of this blog… Subramoney.com is a blog run by P V Subramanyam a graduate of Mumbai University. That is the only qualification he has…of course he has passed a few exams on accounting, cost accounting and secretarial functions. He is also trained as a lawyer. This […]

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