The 4-Q way of protecting your finances from coronavirus driven volatility

One of the questions all investors consider is how to spread their investments. This is super essential in a volatile economic environment that we are now being forced by coronavirus. Coronavirus is already sending stock markets across the world in a downward spiral, companies may find it difficult to service debt and hence affect bonds,… Continue reading The 4-Q way of protecting your finances from coronavirus driven volatility

Who moved my cheese? How to deal with changes in financial plans

The title is taken from a famous book as below. Even though it is meant to be a management philosophy, it applies to the subject of personal finance as well.  https://read.amazon.com/kp/embed?asin=B004CR6AM4&preview=newtab&linkCode=kpe&ref_=cm_sw_r_kb_dp_tIGqEbZ4SSXY6 Financial Planning does not work?  There is a proverb in the military - Plans are good till the first bullet is fired. Some of… Continue reading Who moved my cheese? How to deal with changes in financial plans

The Net worth vs. Cash flow debate

What is your net worth? Let me see, probably close to a million. So what? Are you financially independent? No. Why? 'cause I don't have enough cash flow to replace my W2 income. Ok then, net worth is a worthless metric. But it projects my comfort into the future. And so it goes on and… Continue reading The Net worth vs. Cash flow debate

Know yourself and your investments

I am back after a long hiatus, as I enjoyed a fabulous vacation in India. These are times when I can introspect and know myself better and deeper. Nothing to do with the spirituality of India, but just an opportunity to separate my mind from the daily rat race, and consider what is really important.… Continue reading Know yourself and your investments

Emotional Investing

How are emotions and investments linked? Or should they? The two are actually intricately linked in our financial lives. Emotions define investments, and investments define emotions.  For example, most people who invest in stocks buy the next stock based on hot tips, be it from the last night party or the media channels doling out… Continue reading Emotional Investing