Ranjan Varma Money Tree by Ranjan Varma MoneyTree is back. To some of you who doubted if the MoneyTree was dead, let me assure you that the “Tree” was growing roots that were not visible above the ground! You must have heard of the tale of two friends who planted seeds at the same time. While one friend was happy that a sapling sprouted up in quick time, the other friend was worried as there were no signs of anything coming up from the seed he planted. However in time, while the first sapling grew up to be a shrub, the other plant that took it’s own sweet time, grew into a giant Tree.... 

Money Tree Real Example of Mis-selling and the Cost of Free Advice By Ranjan Varma In the last column of the MoneyTree, we discussed the cost of free advice . The assumption was that the commission based advice sets you back by just 2% in return. And this 2% setback translates into Rs 1 crore over a period of 30 years. Let’s take a live case and see that the cost of free advice can be much more monstrous. Dr. Kumar De (name changed) is a renowned Doctor in Kolkata. Despite being an expert in his field and being a man of intelligence and maturity, he’s at the receiving end of the mis-selling... 

Ranjan Varma Money Tree Rupee Cost Averaging: Another Powerful Personal Finance Concept Ranjan Varma On MoneyTree, we have talked about how Money Grows as a Tree, Not on it and I have promised that I will elaborate on each of the four steps that I mentioned. The four steps, if you recall, were: Learn 2. Track 3. Plan and 4. Implement We have discussed the magic of compounding and how it is such a powerful concept to learn (Link to Paachvi class ka maths, compounding article). The basic concepts like the power of compounding teach us the significance of starting as early as possible. Let us learn... 

Ranjan Varma Money Tree Money Tree Wishes You a Happy Financial Freedom Life By Ranjan Varma MoneyTree, on the occasion of India’s 64th Independence Day, wishes you freedom from financial worries and stress. Freedom is being free of restraints and means having liberty from slavery, detention, or oppression. So, Financial Freedom would entail being free of money worries, to be free from working under oppression for money. Sounds interesting? Or does it look like too difficult thing to do? Does it look to be a utopian idea? The good news is that this column, MoneyTree can help you achieve financial...