One of the simplest (no, not the easiest) ways to  guarantee your financial success is to put away MONEY for your savings/ investment target each month before you spend a rupee! This is known as paying yourself first. When I was younger and had a head full of foolish ideas and black hair I used […]

‘What money can do, only MONEY can do’ – is a Marwari saying. Add to that my take ‘What Time can do to your money, only TIME can do’. Let’s see how you can force yourself to save or invest MORE and EARLY for your Retirement or Financial Freedom… Understand the impact of TIME on […]

http://retireby40.org/25x-expenses-isnt-enough-for-early-retirement/?curator=alphaideas&utm_source=alphaideas One question that I have never been able to answer clearly is “How much money do I need to really retire?”. There are some advisers who say the following: you will get about 18% return on your equities, so you do not need much to retire you will need about 2 crs. to retire […]

Two doctors who were students together met after a long time. One was practicing in a lower middle class locality, had a great reputation for helping people, and of course not much money. The other doctor was a senior in a big international hospital chain and had the finest things of the world. The rich […]

When we used tho  run a brokerage outfit (a decade and a half ago) we had to do a credit appraisal of all clients – and do it regularly. Our Chairman had a simple yard stick – a guy who came in an Alto would get whatever credit he asked for. However a guy who […]