If you had a heart attack or a paralytic attack, what would your family do? I am assuming that I am addressing the head of the family. Now if you are NOT the head of the family, ask yourself the following questions: 1. Do you know who all to call if there was such […]

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Did you know that if you are dealing with a non psu bank, you are dealing with a foreign owned bank. India registered, oh yes, but foreign owned. Did you know that airlines will soon be owned by foreign capitalists? that the retail will soon be opened up for the Marks and Spencer?  and the […]

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Just stepped down in our building to stand near a dead body being removed. Had no intention of going to the cemetary…suddenly there were not enough people willing to touch a dead body.  Whatever be the reason this was the first funeral of a person whose name I do not know. This was the mother […]

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Property is seen as a safe asset. Most people have the following arguments for investing in property: – price can never go down – see prices in the last 10 years, my brother’s property has gone up 3 times !! Vow!! – God does not make more of it anymore, so prices can only go […]

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Being a trainer has its advantages – and it has its disadvantages too! The advantage is I have a ring view of the industry – and have shared it with many of my students. The disadvantage is one tends to get critical or some times hypercritical of events in the financial services industry. If you […]

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When a friend who has Rs. 3 crores of aum says I need to create an income stream for my parents what do you do? worry about the loss of aum? suggest a MIP with 10% equities or tell the truth – the Senior Citizens Saving Yojana – now made convenient by being able to […]

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