All the articles in the financial services industry are written by people who have a vested interest in either the advisory business or in the sales business. By ensuring that you have an adviser there is a good chance that you will be nicely domesticated and beaten to submission. This will ensure that you say […]

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When the economy is not doing well or when a company is not doing well, there is tremendous pressure to reduce costs. The accountants are normally the worst persons to come up with suggestions to reduce costs. They will find simple, stupid costs and act like they have done something great. The normal suggestions are: […]

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  You are a common man and wish to buy term insurance. You read subramoney and decided R company’s premium is the lowest and so you decided to buy from company R. Now comes the fun. You meet a person who charges you for advise (so you know you are paying him), but unknown to […]

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Not sure how many of you will believe this, but when the DLF scrip was quoting at Rs. 1200, I asked the research head of A BIG broking firm – whether it is worth buying. He said ‘Sir based on MY accounting tolerance this share is worth Rs. 400 based on boss’s accounting tolerance and […]

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“My husband does not lose money in equity markets – you know we doubled our money in the Maruti IPO’ vow I said…and as usually probed …. she said “Oh my husband only applies in an IPO, so he says we cannot lose money”…vow! There are 2 routes to the equity market. One is called […]

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Well, well you have to believe what the government tells you, right? No. Wrong. You need to see what is happening around you to guess what the growth rate can/ will be. 1. I spoke to a HR consultant she told me ‘Jobs paying more than Rs. 40 lakhs have just vanished. Recently when the […]

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  Happy New year! Typically all magazines, news papers….channels will happily do a column saying ‘Investment Resolutions for 2012’…make some noise. Readers will happily read it, and tell themselves …’arre this year I will stick to my resolutions’ and then promptly forget it. Very easy for me also to do the same. Frankly I have […]

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