I could not agree more with you SJ! There is no doubt that all clients may not listen to you, nor should you expect that. After all we listened only to people who met 2 criteria: – we were sure had the competence to give the advice (first parents, then teachers, then friends, then parents […]

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For a minute forget what the various parts of the financial services industry is telling you. The profitability of this industry seems to be fantastic. Let us take 4 parts of the industry: a. Banking: Over the years the biggest and the richest fortunes have been made by bankers. No doubt about it. Goldman Sachs, […]

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http://www.subramoney.com/personal-financial-planning-workshop If you belong to a category of people who mix personal relationships and business relationships, welcome to being an Indian! However there is a marked change happening – and there is no age group which is changing. Let me give you some examples. I deal with a person who heads training in a Wealth […]

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Indian elite (with whom I deal) is an amazing lot. I frankly do not know about people in other countries, so let me speak for Indians alone. We like to complain about – poor service of trains, poor roads, corruption, high taxation, poor policing, poor state machinery, pathetic infrastrucutre in general, fall in the education […]

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This is actually very personal! First of all the Satyam episode is shocking. NO doubt about it. However, if you have dealt with corporate India, when I say shocking, I only mean the size. NOt the modus operandi. Many, many corporates have done it in the past. Lets go back to the start of Satyam. […]

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This article appeared in Money Today….long back….. From what to how P V Subramanyam October 24, 2007 Print Email These days client questions have changed a little. No more is somebody asking—“Do I need to do financial planning?” Rather the questions are: “How do I do financial planning? What are the advantages?” These questions are […]

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