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The number on the news is often only half the story. A plain look at price return, total return and what happens when the cash a company pays you is put back to work.

A price on a screen is not the same as cash in your hand. A plain look at why some shares are easy to leave and others are not, and what two real shut doors from 2019 and 2020 teach about it.

Every rupee you save has a day on which you will need it. A simple habit of writing that day on the money explains why the same market fall can be a pause for one person and a loss for another.

A lender can look brilliant for years while it hands out loans too freely. Here is a simple way to understand why the loans that come back are the real business, and how to see the trouble before it arrives.