Should Banking Be Made Boring? – An Indian Perspective – Keynote address by Dr. Duvvuri Subbarao, Governor, Reserve Bank of India at the International Finance and Banking Conference organized by the Indian Merchants’ Chamber on ‘Banking – Crisis and Beyond’ on November 25, 2009 in Mumbai.
via SPEECHES FROM RBI on 11/25/09

The global financial system has been engulfed in possibly the deepest crisis of our time shaking our world view of the financial sector to its roots. As attention both around the world and here in India shifts from …

Rupee Cost Averaging – Get More Value for Your Buck
Posted: 10 Nov 2009 06:58 PM PST
  Sameer is a common investor. He wants to invest in the stock market, but is worried that the market will fall after he invests as the market has run up too much too fast. But at the same time he is worried that the market may continue to rise without a meaningful deep correction as it has being doing so since the last 2-3 months and he might miss the rally …

via Startup Professionals Musings by MartinZwilling on 10/29/09

Too many people confuse motion with momentum. We all know someone who repeatedly tells us how “busy” they are, when it’s hard to see what they get done. Momentum is moving things forward (mass x velocity). Founders or employees in constant motion, but with no momentum, will kill any startup.
It is true that motion in any direction is often better than no motion at all. But motion without momentum is even less productive than no motion at all. For a …

Weekly Digest of Money Management Updates & Links
Posted: 27 Oct 2009 07:32 PM PDT

Every week, I will post a few updates and links that would be of interest to you for your money management decisions.

Behavioural Aspects of Investing in Stocks: All of us have behavioural biases while we manage our money. More than deciding what’s right or wrong, it’s important to be aware of the biases.
Second Quarter Review of Monetary Policy 2009-10: RBI has kept most rates unchanged other than the SLR, indicating a tightening in view …

This one is truly an essay to read again and again

It's Paul Graham's essay on what startups are really like.
Ranjan Varma http://ranjanvarma.comhttp://rupeemanager.com
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Posted By Flexo On October 26, 2009 (8:00 am) In Personal Finance
Article taken from Consumerism Commentary: A Personal Finance Blog Since 2003 – http://www.consumerismcommentary.comURL to article: http://www.consumerismcommentary.com/2009/10/26/seven-zen-principles-guide-your-money-life/
A few years ago, I visited the Japanese Tea Garden in Golden Gate Park in San Francisco. Japanese gardens are designed precisely to appear natural, resulting in an interesting collision between nature and man. There is a set of principles or aesthetics that guide the creation of Japanese gardens, including the dry gardens commonly called “Zen gardens.”
The basis for these modern Japanese aesthetics has …

Your Idea Sucks!
via Quick Sprout by Neil Patel on 10/26/09

Do you have a business idea that you want to pursue? If so, you are probably wondering if it is going to work and if it is going to make you a ton of money, right?
I am sorry to be the bearer of bad news, but the chances are, neither I nor anyone else is going to know whether your business idea is going to work or not. So instead of asking people what they think about your idea, here is …

How to Build Sustainable Products
via Trizle by The Trizle Team on 10/26/09

“Step right up! Step right up! Buy the Miracle Growth JOOOOOOOOOOOCE!”
“You will get 10 times taller and 20 times stronger and 400 times sexier by sipping this juice!”
“Get it for $986,594,895,820,958,253,253,233,253,235.99! TODAY ONLY SON!”

The Big Bad Business Amateur
The Big Bad Business Amateur thinks thriving in business is a zero-sum game; that is, the more you take from your customer, the richer you’ll become.
So, they screw Customer X for their $ — which becomes incrementally unsustainable over the long-term.
For …

Why Warren Buffet Makes Money and You Don’t

via Trakin' the india business buzz by Arun Prabhudesai on 10/25/09

Yes, You. For the matter it includes me too but the title seems catchy that way !
Jokes apart, what is it that out of so many people invested in the Stock Markets only a few make a real fortune out of it? As a matter of fact, barring Mr. Rakesh Jhunjhunwalla I don’t think there is any self-made millionaire in India who made his fortune via the Stock markets (probably very few …

Buying Insurance over Other Investments: Opportunity Cost or Opportunity Lost
via Personal Finance 2.01 on 10/25/09
It’s March, the tax planning season is at its peak and Ajay (person earning 6Lakhs pa working in an MNC) has started his yearly ritual of scouting for investments for saving income tax. Ajay tells his financial planner Pankaj that he is looking for an insurance plan which is very low on risks and will give good returns. Pankaj is a smart financial planner and tosses a question to Ajay which puzzles him. Pankaj asks …

ranjanvarma@gmail.com sent you a link to the following content:
What’s the best investment you’ve ever made? http://www.iwillteachyoutoberich.com/blog/best-investment-career-time-money/
The sender also included this note:
Interesting stuff!
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http://ranjanvarma.com

I am the captain of a personal finance team. I call it the IPFL Team (Indian Personal Finance Literacy Team). Each of my team members have a personality and I have a name for them too.
And the goal of this team is to change the way Indians manage their money.
Let’s take a look at the team. They are:

This Blog, aka Sehwag. The blog has been there for the last three years. And from being an e-scratch pad to improve my own knowledge, it now has an opinion of …