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You Can Be Rich With Goal based Investing

Pattu & Subra (SubraPattu) are the foundation on which all my personal finance and investing knowledge rests.
I’ve followed their blogs for years now and learned so much.

Between the untold number of categories on the right on Subra’s blog, and the tens of thousands of words & zillions of calculators Pattu has on his, you could be set for months, learning about how to make it, money wise.

They have always been generous souls, in deed and spirit.
Pattu specially has always been gracious whenever I’ve written to him

But if you are new to all this and don’t know where or how to begin, the duo now have a book out.

So, if you want a clear path from zero to hero, when it comes to money … get this book!

Read what the book is about in their own words. (Subra, Pattu)

Links to the book are on their pages. Pattu seems to have a bigger list.

To the authors, all I have to say is, I’ve kept half my promise :)
I bought 5, 10 books.
And thank you for all you do!

My Hero


“Dads are most ordinary men turned by love into heroes, adventurers, story-tellers, singers of songs.”

–Pam Brown

Daddy was so much more.
The big bear whose lap I would crawl into in the dead of the morning to recite the rosary with.
The poet who taught me how to see beauty in the stars and appreciate the vastness of the universe during our walks at night.
The Santa of my formative years.
The minstrel who sang songs that still are the soundtrack to my life. The journeyman artist whose slow, deliberate, methodical work is something I only appreciate now.
The labourer who worked two jobs for nearly twenty years and taught me the value of hard work.
The rock who we still base our faith on.

Somewhere, in all the ‘growing up’ that I did, I lost my innocence, my sense of wonder, my faith.
My father never lost his.

Stay the same, Daddy!
Happy Birthday!

5 Things I’ve Learnt from Vinay

Vinay with Zorro
Photo credit: Sorcha Beeson

Have margin in your life.

Forget what the others do.
You need to learn and grow!
You need to save money.
You need to have margins.
When the hard times come, there will be nobody to help you, but you.

If I have pulled through the past two years, it is because of this!

Always be learning.

Always be tinkering
Always be doing
Keep the mind active
You’re a prime example of Taleb’s antifragile bricolage

Be Persistent.

From a little boxy office to organisations that span cities and hundreds of people in just ten years!
And all of this happened because, you refused to give up!

Be extraordinarily generous and yet circumspect.

Go, be with your wife.
I will give you all the money you need.
And if need be, I will tell you where else to go.
Come to me first.
You don’t need to go anywhere else!

You have no idea, how good it felt, to know, you had my back in my darkest hour.
And that was just one of the big things.
You’ve been helpful to so many people, in so many ways, through the years, without others knowing it!
(I know quite a few, though!)

Have fun!

Yes, I know I am a stick in the mud, introvert, who just likes to read books, while you are the mad outgoing opposite. But thanks to you, I let loose and have fun a lot more now :)

More than just feeding me, you taught me to fish!
Most of what I know about business, and sales and management, comes from you.
But the most important thing I’ve ever learnt from you, is to be a good man.
Even when the doing is hard.

Happy Birthday, big brother!