With real estate in a boom over the past few years, one thought that crosses peoples mind is to use ‘Home Equity’ as a Retirement Plan. Good idea? Feels so. At least at this juncture, however like all assets it has its ups and downs. Let us look at what I mean. What is Home […]

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There are no hard and fast rules in the world. None. Sachin Tendulkar did not copy Vivian Richards. Nor did he copy Don Bradman. So there are no ‘success rules’ that work for everybody. Start early – is a good rule, but Kentucky Fried Chicken was started by a man in his 60s, right? what […]

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  When I say banking, I mean banking, broking, mutual funds, insurance, software companies in the BFSI space. So let us revisit the laws: 1. Golden Rule of Life: He who has the gold makes the rules. If your name is Diamond, even better. 2. Salaries are NOT decided by demand and supply: It is […]

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A few days back Safalniveshak posted a comment saying his friend’s father was cheated by an agent who had sold him 192 schemes in 192 folios. He called it bad and disgusting. Let us look at the whole process. A mutual fund or a life insurance company gets a LICENSE to do business in their […]

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How funny we keep seeing this cycle of ups and downs…In an up we believe there will be no downs…and in a down we believe there will be no up! I thinking cycling and running – two things that I do help you handle such situations well! If it is a route you know (or […]

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  If I were Bill Gross, I would have done the same thing….When Bill Gross (the bond Guru?) took a stand that having a bull position in US Governement securities was not a sensible thing to do….I nodded.. He had a big portfolio of government bonds – about 250 billion US $! It is not […]

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I hate giving tips…and hate people asking for tips. When a person who does not know me from adam sends a mail saying “I have L&T bought at 1485…what should I do now?”.  Sorry, I can only delete the mail. I need to know a person before I can recommend anything to him or her. […]

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