Are you better off than 5 years ago?

Well, if you were in the US and I were a Pres candidate…i would have been forced to ask you this question. Well politics aside, this is a question that you should keep asking yourself EVERY year. In case of your personal life, hobbies, work, relationships, etc. you need to frame your own questions.I do [...]

Need holistic advisors please

When you go to a doctor you get a feeling that you have gone to a person who is completely ‘loyal’ to one school of thought. So you have a allopathy slave, a homeopathy slave, a unani slave…… NO DOCTOR has the patient’s good at heart? Not sure if it is too sweeping, but why [...]

Rags to Riches in 18 minutes…

  As a financial planner I do spend a lot of time with 16 year olds working in call centers, media companies, banks and so on. When I am with them and discussing their problems, the one question that often comes to my mind is, “If these guys cannot make their monthly salary stretch one [...]

Ageing has its advantages

Let me start by quoting Lord Keynes. He said ‘Of course I change my stand. When I get new data, I change my mind – what do you do Gentlemen?’ After spending a few years in college, and then3 decades in dealing with wealth instruments, intermediaries, manufacturers, banks, trainers and most importantly customers there is [...]

Earning well but poor…..part 3

  On the basis of some of the requests and comments, here are some of the examples that I see on a regular basis. These are not by themselves wrong, but in a combination of events, keeps a person poor: a. Refusing to use public transport: Public transport is not the best way to travel [...]

Retirement lifestyle management

Actually I am not sure whether this is a post on retirement or financial education. Or like a friend says all my posts are on financial education…. The financial services industry uses terms like financial planning, life insurance planning, retirement planning…..but the common man has found out that all thes are sales pitches, right? So [...]