Note: This message is intended to arm oneself against friendly neighborhood ‘Smart Tippers’ (extended family, friends & colleagues) who mostly wear a ‘beautiful mask’ of offering ‘cost effective advice & techniques’ on everything and anything.

Maid (s) – Rs.60,000 – Rs.1,20,000 a year – Asset Maintenance (Property)

Cook (s) – Rs.1,20,000 – Rs. 2,40,000 a year – Asset Maintenance (Physical)

Driver (s) – Rs. 1,80,000 – Rs. 3,60,000 a year – Asset Maintenance (Depreciating)

Gardner (s) – Rs.15,000 – Rs.1,50,000 a year – Asset Maintenance (Environment)

Laundry (ies) – Rs.30,000 – Rs.1,20,000 a year – Asset Maintenance (Depreciating)

Club / Gym (membership) – Rs.60,000 – Rs.2,00,000 a year – Asset Maintenance (Health & Societal Association)

Lawyer / Attorney – Everything is a ‘%’ on the magnitude of problem / capital asset or, per visit, or, per hour

Doctor – Everything is a ‘%’ on the magnitude of health issue or an investment made into a clinic / hospital, or per visit

Chartered Accountant – Rs.2000 for a basic individual tax filing, + + + + + + + based on ongoing services offered

A Personal Financial Consultant - ??? (A well-defined solution architect for - Asset Maintenance, Insurance Maintenance, Portfolio Maintenance, First level Tax Consultant, Inheritance & Succession Planning, Hand Holding in Troubled Times, Educationist, A Trusted Family Confidant, Mistakes Avoidance Mechanist, ‘A Listener to Every Problem & A Solution to Every Problem’ etc…)

As always, wishing the best for you all in your personal finances. Thank you, for supporting ‘Professionals’ in the right spirit.

By the way, the smart tippers will be missing in times of any critical troubles, which come uninvited. There is one person who you can rely on. Do I need to tell, who?