Investing is not a Number Game, it is a "MIND GAME"

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Financial Planning Infographics

Rubik’s cube (puzzle cube/magic cube) has an excellent resemblance to our lives – in particular our financial lives.  It is clear that in order to solve a Rubik’s cube puzzle you need to acquire a certain skill set. The irony is that although each puzzle [...]

Do you need to Insure your Pet?

A pet is not just a domestic animal for a pet owner, it is a part of the family. Pet owners give love and care to their pets as much as parents would give their children. Therefore just like, we provide insurance cover to our [...]

Let’s look at LTA Rules, Exclusions & Tax Exemption

Leave Travel Allowance (LTA) is a component of one's gross salary. If you take leave from office and travel, you can claim LTA amount to the extent used for the journey without it being subject to taxation. If there is any portion of LTA left [...]

ESOPs in India – Benefits, Tips, Taxation & Calculator

You must have heard stories of crorepati employees of Infosys or some other big organisation - I am talking about 10 years back when salaries were comparatively low. Most of the Indian's still don't understand the power of equities but those employees knowingly or unknowingly get [...]

Top Lessons from Financial Planners’ Conference in US

Everybody has something that they would love to do if they didn’t have to work – except for a fortunate few who absolutely adore their work itself. First, find out what it is that really motivates you the most and drives you to want financial [...]

Mutual Funds Pollution & how to control

A mutual fund collects money from different people/institutions and invests in different assets and securities like equities, bonds, cash etc. on behalf of the investors to generate returns. Mutual fund scheme units can be bought at Net Asset Value (NAV) from the Mutual Fund company. [...]

Greater Fool Theory & Indian Real Estate

The Greater Fool Theory is an investment belief that says there will be an investor always to buy an asset however overpriced it is. Thus even if the original investor had paid a higher price than was necessary, he would make a profit as “a [...]

Don’t Blame Brand Ambassadors for Your Wrong Buying Decisions

Recently there was a news item about residents of a housing property trolling MS Dhoni on Twitter to be disassociated from being a brand ambassador. There was then a debate on various news channels if stars are to be held legally responsible for their endorsements [...]

The Art of Thinking Clearly in Personal Finance

Warren Buffett says "Until you can manage your emotions, don't expect to manage your money". Rolf Dobelli in his book, 'The Art of Thinking Clearly' has pointed out 99 cognitive errors ('systematic' deviation from logic) and  behavioral traits that we use in our day to day thinking [...]