Once upon a time there was a frog in a pond. Obviously like the porverbial frog in the pond, it did not know too much about the world outside. One day the frog got a Rs. 5 coin (when my Grandmom told me the story it was a 0.50 Re coin, but lets adjust for […]

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 As a financial planner I do spend a lot of time with 16 year olds working in call centers, media companies, banks and so on. When I am with them and discussing their problems, the one question that often comes to my mind is, “If these guys cannot make their monthly salary stretch one month, […]

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