So you are 22 years of age and wish to invest in equities, right? Welcome to the very many people who wish to invest in equities, but do not know where to start. First things first. If you are doing a career in medicine, or are a lawyer or any other professional, chances are you […]
I have been asked this question a million times, and I have said NO a million times. However, like all personal finance (and especially life insurance) topics there is no straight forward answer. So let me start by saying NO. If your children are young, and dependent on YOUR income they do not need any […]
Most writers of personal finance have spent half their lives talking about the virtues of compounding, well, at least I have. So not compounding your money is bad. That is done and dusted. What can be worse? Borrowing. Borrowing is worse than not compounding your money – it is a case of NEGATIVE compounding. […]
I have no clue whether I am good at writing, but I am poor in excel. I have no doubt about that. So when I have a nice calculator idea I had to sit with one of the kids in our office and TEACH personal finance. Sure they have created personal finance trackers, variable […]
Subra I heard you are the best person in Cynical Personal Finance training…so I chose to meet you…Let me ask you a few questions Sir: Subra will you please tell me what is Value Investing? Subra: Well, well. “Value investing is the art of picking up shares at a low price, knowing it has value, […]
Well being cynical is one sure way to make people think, right? Not sure but I keep trying it all the time. ‘Sir your income will increase by 12% every year so you can increase your SIP contribution …..’ ‘Like Subra says ‘If you give up the Barista coffee which you have everyday and instead […]
If you run a personal finance blog…somewhere it goes into areas which look peripheral to most people…like: spending financial behaviour economics good food good health why? because good food and good health are good economics. Good economics is sensible personal finance. So you will find occassional posts on food, exercise, etc…here is a shocking news..perhaps […]