Reduce Mis-selling at financial services Industry….
Unfortunately in India most customers crib, then when they get a pat on the back from a high ranking official, they withdraw their complaint. I am yet to see a court order a full repayment for mis-sold...
View ArticleHow much can you lose in equity?
http://in.finance.yahoo.com/news/how-much-can-you-lose-in-equity-.html Well just too many people have no rules, limits, …and have no clue on how to invest in equities. These people can, should and do...
View ArticleSorry, but do you understand what it means?
Here are some axioms, sayings, postulates, ….which people use (well almost indiscriminately) ..let us see if we really do understand what it means? 1. Mutual funds are professionally managed. 2. This...
View ArticleRisk is normally not visible…
The problem with risk is it is generally not visible. In most cases we wish to avoid it by PRETENDING that it is not there, or ignoring our inner voice which keeps telling us that there is risk. The...
View ArticleUlip: Buying mistakes
I am not even getting into ‘Ulip vs Mutual funds’ – the experts know it, right? I am trying to see what are the mistakes they make when they buy Unit linked Insurance plans. This is not an exhaustive...
View ArticleSolutions, become the problem….
Let us look at some things which were heralded as a fantastic solution for a problem. Then we will see how these have NOW become problems and not a solution as it should have been. Insurance, Home...
View ArticleWho is an expert?
Amazing what the 2003-2007 boom in the markets have done to people! Many people have taken their income from 2001-2007 and are extrapolating that growth over the next 20 years, so some of them are...
View ArticleTeachings of Warren Buffet
What Warren Buffet says about basic investing, spending, savings are so true, that MOST of us know it. However too many of us do not live it. So it is useful if once in a while somebody can just...
View ArticleInvestment in Turbulent Times..
This article appeared in MoneyControl….a few MONTHS ago… The market has gone nowhere in the past 4 years. When your financial planner / relationship manager / advisor told you that equities are for the...
View ArticleBuy pure term insurance only!
Read an amazing article on 10 March in a national pink daily on Term Insurance with Return of Premium. ROP as it is called. The author had argued that a Term ROP should not be bought because it is more...
View Article10 Most imp things to see in life insurance…Sbi ad…continued…
7. Confirm tenure is appropriate: “The insurance representative offered me an endowment policy for 30 years…and at age 44…I am wondering how will be able to pay the premium after I retire…what should I...
View ArticleRational reasons for real estate prices to be high…..
If you believe that all bubbles are created by RATIONAL reasons and causes taken to IRRATIONAL HEIGHTS, welcome to the post. Is Mumbai real estate terribly high and unaffordable? Yes. Let us come to...
View ArticleAdvising friends is dangerous too!
Sometime in 1994 a friend wanted to keep some money in a fixed interest bearing instrument. The amount was about Rs. 15000. He kept it in one company – let us call it Company A. Sometime in 1999 I...
View ArticleSimplyfying finance: Chapter 1
Yesterday I got 2 mails / comments one said a. your blog is too simple and the second b. your blog is too complicated. I could not agree more. This is like being asked to speak to school – and all the...
View ArticleDo I need a financial Planner?
this article will help you decide do you need a financial planner..
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