art of finance

I’ve simply lost track of the number of horror stories I’ve heard about totally junk life insurance being forcibly dumped on your head by relatives/friends-cum-insurance-agents. Everyone out there seems to have bought a life insurance policy from either a relative, or a friend, or a friend of a relative, or a relative of a friend, or a relative of a relative, or a friend of a friend, and similar relationship chains. It’s quite horrible.

I asked D, who also happens to be a victim of such a life insurance policy, to create an art of finance sketch on this concept. Here’s the result –

Image of an Art of Finance sketch on insurance agents.

I think all of her bottled-up vengeance came out in this sketch! And I think it’s true to every word. A junk life insurance policy is like a tight noose around your neck just waiting to snap it into two. The scenario is just like a guillotine and you can guess who the executioner is! So, if you currently happen to be in such a mess, make a plan to jump off the frame before the axe wields. And if you currently being led towards one, now’s probably a great time to run away. Think about it.

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If I have to pick one strategy that’s helped me move up leaps and bounds with managing my personal finances, it’s got to be my single source of financial truth.

When combined with this really fundamental equation:

Each month —


minus Annual Expenses EMI

minus Budgeted Expenses

minus Savings for Short-term Goals

minus Investments for Medium- to Long-term Goals

minus Non-budgeted Expenses

= My Free Cash Flow

for that month

you have at your disposal a strong framework for simply getting ahead with your personal finances.

On a side note, here’s what my sketching skills look like (for the same concept):


I can’t draw if my life depended on it. But that’s a blessing in disguise because it actually helps avoid fighting over money issues.


The Art of Finance: The Lure of a Pot of Gold

by Vinaya HS on December 19, 2011

in Finance

I asked D to create a sketch as a follow-up to my post on The Fallacy of Traditional Retirement Calculations.

She created magic!


Sketch © D.

And here’s the complete set of responses that I received for the December book giveaway contest. I’ll announce the winner tomorrow.

Meanwhile, can you guess the winner?

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Here’s an interesting twist to this month’s book giveaway.


Sketch © D.

What you see in the picture above is a partial view of the next Art of Finance sketch. To win a copy of the Savings and Investment Yearbook 2012 by Value Research all you need to do is guess the theme of the completed sketch. The closer your answer is to what’s depicted in the final sketch the better are your chances of winning.

I’ll announce the winner after I publish the completed sketch (a week from today).

Note: Simply saying “retirement” won’t do. You need to be more precise.

Drop a comment with your answer (and of course, I need an email address).



Sketch © D.