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Guarding the Guards – when Government turns offender!

There is a famous saying in Latin Quis custodiet ipsos custodes? Which translates to “who will guard the guards themselves”, this is from the work of the Roman poet Juvenal from hi...

HOUSING FOR ALL – did Haryana Government just get it right?

Can the Government, with positive intent, actually make a difference? We touch upon Housing for All scheme – DEEN DAYAL AWAS YOJANA – and discuss if the model indeed is worth it ...

‘Affordable Housing Schemes’ – what they don’t tell you

In August 2013, Haryana Government notified the ‘Haryana Affordable Housing Scheme’. A buyer-starved Gurugram Real Estate market latched on to this scheme and started launching pro...

Don’t Time the market, Price the market.

In the preceding two blogs, I had introduced the concept of Real Estate as an Asset Class and had outlined the basic thumb rules for making Investments in Real Estate. In this blog...

An Asset that can set you up for life.

I take a brief pause, once again, to thank you - my readers - for your encouraging response to this newsletter series. I’m glad I have been able to add value to your journey of Fin...

ERA (renamed ADEL) Landmarks

Be extra cautious when a builder claiming to be big, established and financially sound starts selling at a discount to market price.

Are your ‘Investments’ making you poor?

Now that we have successfully created our kitty of ‘investible surplus’ by following the first five steps, what do we do with it? Of course, we put it to work through investments. ...

First Five Steps to Wealth Creation

We have reached a milestone. A lot of ground has been covered in First Five steps to Wealth Creation. Let us revisit and refresh before moving on to the complexities of ‘Assets’, ‘...

Decoding Spending

If you have been putting the seemingly simple concepts shared so far to practice, you must be facing considerable discomfort. And if, despite that, you are staying true to your pat...