Hi kids of the graduating batch of 2013! There are certain things that I ‘forgot’ to tell you in 2011. It is also called ‘suppresso veri’ – well it is a legal language to mean ‘hiding of the truth’ but my job did not allow me to tell you the following. The following is also […]

Read More →

Many young people I know have got into their MBA schools and should be joining soon…so here is a note addressed to them… Hi Children! Congrats on getting into your MBA school. I am not making a distinction between a full time MBA, an executive MBA, a 2 year course or a 1 year course. […]

Read More →

Ok if you are reading this, it means you are young! Not sure how young, but let me assume that you are really young. It means you are still wondering who will pay for your higher education. You have just graduated and are wondering whether your parents can / should pay for your higher education. […]

Read More →

Everybody and his uncle and aunt wants to talk about the great Indian entrepreneur..and how he is great. Well he is not great, he is generally s…ed. If he had a choice he would be in a happy government job, assured of an indexed pension, take leave to see the country…and generally be counting his […]

Read More →

This is an old post…now reposted to be in tandem… One assignment that an MBA class likes (loves) is to do projects. It better be projects which are easy to do of course! One MBA class where I suggested that they go out meet IFAs and a few customers to find out how the investing […]

Read More →

An industry can be called successful only after we see the status of all the stake holders. We saw how the employees and the sales force was feeling. Let us see something about the ‘customers’ and the ‘owners’. The customers of the life insurance industry can be divided into 3 categories: a. Those who understood […]

Read More →

  If you are a shareholder who started an asset management company and /or a life insurance company hoping to make money, God bless you! For those of us who are shareholders with the Birla, Hdfc, Tata groups – remember we are all funding the insurance and mutual fund businesses indirectly. Kotak bank, Hdfc ltd, […]

Read More →