Personal budgeting is a crucial part of any persons financial preparedness. For a defense person, it is a part of your military readiness and peace of mind, for both single service members and military families. Budgeting and planning ¬†your income and expenses with your spouse prior to your deployment will keep you both at ease. […]

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When I say ‘Retire’ just too many people think it means old age. Sorry wrong understanding. Retirement, let us redefine. Retirement is when you can do what you WANT, not what you MUST. You do not HAVE to earn to pay off the EMI. Or for paying for the kid’s education or marriage. Thus retirement […]

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Long ago when a good friend of mine was learning the basics of astrology, his father (and teacher) gave him a horoscope and asked him for his opinion. He said “it is a lousy horoscope” – this guy has no marriage, he will never own a house, he will not amass wealth, ….”. His father […]

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If you are an Indian there is a lot to read even if you stick to just philosophy as a subject. To say one religion is good or bad you need to read about Hinduism, Mahaveera, Buddhism, Jainism, Christianity, Islam….before you can say it is good or bad. Now it is possible to read some […]

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On the 2nd of October it is surely worth thinking about Mr. Mohandas Karamchand Gandhi (a.k.a Mahatma Gandhi) and check out his views on Freedom. Most of us know he meant Freedom from the British. He rightfully argued that we can rule ourselves and we do not need an Englishman to rule over us. However […]

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In one of those financial planning classes somebody asked me this question. It is quite an easy question to answer, but a difficult answer to understand. For different people it means different things. If you wish to own a Mercedes having a spare Rs. 80 lakhs to buy and Rs. 50,000 per month to spend […]

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Hi! Over the years, you have invested a lot of time and money into your academic education. You have broadened your perspective to the next rung of the ladder, and invested in your professional education as well, via job-specific training. At this level you command a higher income, and get to enjoy more of the […]

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