Money Management
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Your Salary Grew. So Why Does It Still Feel Tight?
Arjun earns ₹2.2 lakh a month. He feels broke. Not because he spends badly. Because every time his salary grew — his life grew with it. Automatically. Silently. Completely. Economists call it hedonic adaptation. Arjun calls it normal. The problem is not the spending. The problem is the spending happens before the thinking does. Watch… Continue reading
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The Funding Mismatch That Quietly Kills Good Businesses
Ramesh had built his manufacturing unit over 15 years.Solid orders. Loyal clients. A reputation that took a decade to earn. When a chance came to buy a new CNC machine for ₹50 lakhs, he didn’t hesitate. The numbers made sense. The capacity would double. The future looked clear.He paid from his working capital. Account drained.… Continue reading
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Who will handle after you?
It started with a simple question.“Do you know where all the investments are?” The room went quiet.Not because there was no money.There was enough: savings, insurance, mutual funds, a house, and a few fixed deposits.But because only one person had ever really known everything.And he wasn’t there anymore. Until that moment, life had felt secure.Bills… Continue reading
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Why Must a Founder Be Able to Understand the Balance Sheet?
When reviewing a balance sheet for a recent acquisition, I saw a “garden” that looked perfect at first glance. Profits were blooming, but cash flow had withered to just 10% of the previous year. That’s not a rounding error; that’s a distress signal. Many founders look at a balance sheet like a school report card:… Continue reading
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A Short Post on Personal Finance for Quick Understanding
Once I was with my client at a coffee shop in a 5-star hotel. I was asked about my coffee choice. Out of the multiple options, I was not sure what to order so I left it to the client. I thought when we had only two options of coffee i.e. filter coffee, and Nescafé,… Continue reading
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High Financial Risks You Need to Know for Your Family
“Failing to plan is planning to fail.” Alan Lakein Yes, failing to plan the risk management puts you and your family at high financial risk. Risk Management is usually not considered a part of Financial Planning. It is a big mistake. Risk Management is not about the risk of investing in risky investments. It is about… Continue reading
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How Can Excess Cash Kill Your Business?
Cash is King but it also kills. One of the companies hit the market with an IPO. Their Merchant banker advised them to raise more money than required. The issue was subscribed. Excess money they invested in unrelated business. That business could not succeed. The return on share capital could not match the market expectations. The… Continue reading
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The Impact of REPO Rate on Your Pocket and Business
REPO rate reduction of 0.25% is making the Indian investors excited. Investors believe this will trigger higher off-take of loans, higher economic activities. In reality, cheap money only can’t trigger more demand or higher capacity built up. There are several other factors. However, in this post, we will know about the RBI’s interest rate management.… Continue reading
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Do You Possess These Characteristics to Become Rich?
Do you want to be rich? Since you are reading this post, the answer would be Yes. Becoming rich is everyone’s dream. Some give up midway, some pursue it relentlessly, and some actually become rich. At the end of the day, it’s all about luck but at the beginning of the day, it’s all about… Continue reading
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