The chances are that you are either employed somewhere or you are in a business. If you are in a business you understand that 1. First you create a product, 2. Make it, test it and then deliver it to the client 3. The client buys it uses it and then makes the payment…. Right? […]

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Ok not exactly poor, but you are 30 years old, married to a 28 year old earning well but BROKE. Poor maybe too harsh – but if all you have to show for 6 years of working is say Rs. 10 lakhs in the bank, well you are almost there. Your story? Let me tell […]

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I have done this post many times in the past…here is one more attempt. When you require a PERSONAL FINANCIAL ADVISOR, you are looking for a fee only personal finance advisor. Let us see who are NOT  pfas: 1. Your bank relationship manager: He is a paid employee who has sales target. Remember, I have […]

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An excellent profession / business to do now is the financial planning business. Of course some people call it a profession too. Why am I saying this? Simply because we are in the very early stages of the profession. It is like being in the banking business in the 1900s, in the mutual fund business […]

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We all know, that we should: a) start young b) save / invest regularly c) use the power of compounding…                     etc. BUT we do not do it…surely not in our 20s, and maybe 30s… WHY, like your answers please! do not want to give options and ‘direct’ your thoughts…just asking an open ended question…thanks Post […]

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Very few people even think they need financial advise. The usual reasons why people think (or they tell me) are as follows: 1. I do not earn enough to seek the services of an advisor: Well, well anybody and everybody thinks that their income is just too small for them to seek the services of […]

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Army / Military personnel (this includes navy, airforce, border security forces, etc.) guard our country. However do they undergo any training in personal finance? The answer, is obviously, no. In an interaction with a few young army / ex army people, I have come to the following conclusion: 1. Like the rest of the population, […]

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