Let me start by quoting Lord Keynes. He said ‘Of course I change my stand. When I get new data, I change my mind – what do you do Gentlemen?’ After spending a few years in college, and then3 decades in dealing with wealth instruments, intermediaries, manufacturers, banks, trainers and most importantly customers there is […]

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A few years ago I was in a small city of India and was at a party. The table where I was sitting were three men discussing something which I could not understand at all. ‘I moved from a 1:7 to 1:3’ said the first person. Oh that is really good “I am not happy […]

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