Let me start by saying: It is not easy! Senior citizens – let us say the senior citizen who has been successful in life and has led a healthy life and is now about 75+ years of age. He / she is simply bored. They may or may not admit, but most of them are […]
A few industries that I have been seeing from close quarters – and have very strong views on are food and health, pharma, financial services. One thing clear in all the 3 industries – the more you complicate, the more money you can make. So whether it is a Kellog, or a Gillette they can […]
1. Suddenly many jobs are being lost: Remember slowing down, closing down are not words that happen only to somebody else! It happens to the best. Only your salary is certain, the variable salary is really variable. I now know of several people who are EARNING about 60% of their claimed CTC. The variable […]
A friend is trying to be as environment friendly as possible…or as less damaging to the planet earth. Actually he says – it is just like going back about 60-70 years and lead a middle class life style. Let us see some of the things he does: drinks water from an earthen pot takes bath […]
‘I earn Rs. 15L CTC – and clearly I am overpaid. However I am not able to save a rupee – I have no idea where my money goes’ Can you believe this…if you are a middle class Indian? I found it a little amusing…but not difficult to believe. When I spoke to him, I […]
Swami Vivekananda was perhaps one of the clearest thinkers in the past 200 years. He said ‘take responsibility for your actions’. We all know it, but do not always take responsibility for our current affairs….no clue why. I met a dietician friend who said ‘people are what they eat’ and most fat people are fat […]
These are some wealth observations – learnt from observing, copying, reading, experiencing,….the following learnings are worth reading about: 1. High Income does not always translate to higher wealth: Unless you create income creating assets which grow at a rate greater than inflation, you cannot get wealthy. Simple Income has to be spent and then used […]