Not very long ago people believed you finished your education, got a good job and relaxed. This is no longer true. Welcome to the next 20-30-50 years: 1. Taxes in all forms will GO UP: Frankly there is no attempt by any government anywhere in the world to become more efficient – this will force […]

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A few decades ago…the great Jawaharlal Nehru said…’when the world sleeps…India wakes up to her freedom’ I was wondering (see the world time map) which part of the world was sleeping at 12am Indian time? The early birds in the east were awake…Europe and US was awake…i guess Nehru meant ‘now that you are awake…please […]

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From time to time the definition of what is a ‘good job’ keeps changing. In the 1970s it was a job in the American Oil companies. When people said they were working in ‘Esso’ or ‘Caltex’ – it was a great job. Esso was an acronym for ‘Every Saturday and Sunday Off’ – quite unheard […]

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A friend had gone for an interview and she was asked… Interviewer: Why do you want to do this job? She: I wish to make a career here, learn and serve your customers to the best of my ability….. Interviewer: Bull. Complete bullshit. You need to pay the EMIs..so every morning you will start lying. […]

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I am really blessed. Training, writing, teaching takes you places and gives you a lot of time with a very very different set of people. Teaching ensures that you meet the highest energy kids with stars in their eyes and believing that they will change the world. Yes sometimes they do get carried away, but […]

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Here are the details of a couple …and they had an amazing story. I took their permission to share the story with you… He is 42 she is 37 years old. He works for a huge pharmaceutical company and earns well. Lots of cash, lots of goodies. His total savings as of now Rs. 8-9 […]

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One young couple came to me recently wanting to do some ‘financial planning’. Their idea of ‘fp’ was they could give some haphazard information (either for want of data at their end or not wanting to share the data, LOL). They were not too keen to fill up a word document, an excel sheet, collate […]

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