When you handle personal finance you need to be a little soft, a little hard and sometimes cruel. It is like giving medicines to a kid. Not many clients want to listen to bitter advise. Imagine a professional who wants to invest Rs. 3 crores in a business, where I think he will earn only […]

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Even though this is not the tax season, I do get a lot of questions related to ELSS. Let me enumerate them: 1. Should I invest in ELSS? 2. Is there a  lock in? When does the lock in start and when does it end? 3. What rate of interest will I get (yes, still […]

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  recently a friend found out at the funeral of a lady that a ‘rod’ which was supposed to be put in her left leg was not put at all….only when her body was being burnt did they find this out…so he tweeted ‘please get an xray done after an operation…that all things are done’. […]

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For many people financial problems start with a good intention. Here is a case in point. One person I know has an uncanny ability to get herself into a financial mess. It would be difficult for many people I know to even imagine how ingenious she is in creating trouble for herself. One example here. […]

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this article appeared in Moneycontrol some time back, but (not surprisingly) not too many people appreciated it. Frankly this is one of the best lessons Independent Financial Advisors can teach their investors. THERE are some word pairs that go hand in hand. When you say one you cant help but think of the other – […]

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