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10 ways to prevent a Debt Trap or come out of one

April 15, 2014
Debt Trap

Before I lay down the rules, I confess that no single point or remedy below claim to be a solution. But yes, a combination of these steps can be used to eradicate a debt problem. This is an exhaustive list, hence you may not relate to some steps. Ignore those but do give them a reading as situations change and you must be aware rather than feel sorry later. So please go through the steps […]

How To Live & Die – Khushwant Singh Style Of Managing Life

March 31, 2014
ks

Pickled In Rum….. The horse and the mule live for 30 years, And know nothing of wines and beer, The goat and sheep at 20 die, And never get a taste of Scotch and rye, The cow drinks water by the tonne, And at 18 is mostly done Without the aid of rum and gin, The cat in milk and water soaks, And then in 12 short years it croaks. The modest, sober, bone-dry hen, […]

The Other Roles of Financial Adviser

March 26, 2014
The Other Roles of Financial Advisor

Financial advisors have always played a crucial role in the development of financial industry. Historically, we have seen individual advisors selling mutual fund units of Unit Trust of India, insurance policies of Life Insurance Corporation, bank and post office fixed deposits, NSC, PPF, public issue of shares of company either directly or as sub broker and the list goes on. The Financial Advisor is not a new face, he is trusted, old face, related and […]

Last Minute TAX Saving Tips before the Financial Year ENDS

March 11, 2014
taxes

It is end of the financial year – that means all clients expect some sensational tax saving plan from us even when we have done this exercise during plan review. No matter what income bracket one is in, tax saving always comes toward the end. If tax planning starts early, a lot can be done especially things like salary restructuring so that taxpayer end up paying lesser taxes. But let me not dampen your spirits […]

10 Financial Mantras for your 30s

March 5, 2014
fy

We often see people making lists of things to do by the time they are 30 or before they reach 40. These lists usually have items like travelling to exotic destinations; having a child; learn a new language etc. These are good goals to have of course, but what I see missing in these lists are goals related to financial security. So we made a list of financial goals to make when you are in […]

8 SMART Ways to Increase Your Credit Score

February 25, 2014
Ways to Increase Your Credit Score

As you know, a credit score is a statistical number that represents how you have used credit over a period of time. It is important to be consistent in your credit repayments to have a good credit score. A high credit score increases the probability of getting credit/loan easily as it indicates to lenders that the probability of you repaying a loan is higher. Good Credit Score becomes even more important because interest rate that […]

5 Reasons you should not Retire

February 20, 2014
you should not retire

Are you waiting for the day when you will retire and relax and spend time with near and dear ones? But have you thought of life after retirement from all aspects? When you scale the peak of a mountain, your climb is not finished. You have to climb down. Similarly you have to live through retirement. It is not a destination, but a point from where a new journey begins. Many sportspersons like Michael Schumacher […]

7 Ways to kickstart the Saving Habit

February 17, 2014
Ways to kickstart the Saving Habit

You might think this is an another sermon on saving money and the article might ask you to start habits that might make you and your family lead a miserable life. I am not giving any such advice. Really! I am sharing some ways that will help you save money and make saving a lifelong habit. Kickstart the Saving Habit before its late 1. Start with small steady steps – You have heard the phrase […]

Review: LIC New Term Plans – Amulya Jeevan II & Anmol Jeevan II

February 11, 2014
Lic new term Plan

In India we have looked insurance as a tax saving vehicle. That’s why most of our money goes into this instrument in the month of January, February and March. For the same reason, insurance companies and agents’ earnings rises manifold during these months. And for the same reason, our finances are really stretched during these months. Every year insurance companies launch new products in this period but I am not sure why LIC relaunched (may […]

7 Costly Credit Card Mistakes Almost Everyone Makes

February 4, 2014
costly credit card mistakes

Don’t you see RED in the credit card? Read this story… Rishi just graduated and joined a call centre recently.  He was very excited to get his first credit card as it meant a lot to him – freedom to party, shop and entertain.  He got easily carried away with offers and rewards and ended up with multiple credit cards from different banks.  He overspent on gadgets and parties without keeping a track on his […]