At the edges, it all falls apart, is a common saying but with a deep meaning. When it comes to retirement, if you are not planned to face the real world, life can be hard for you and family. So this time, I have tried to play question and answer session with myself and haveRead More
Financial Planning
Automated Savings Plan
Aren’t these two words “Savings” & “Automatic” antonyms? Can savings happen automatically? My answer is with you – No. Savings do not happen automatic because of the very human nature of “pleasing yourself first”. One tries to dodge all hard functions first and tries to shift/delay the real painful measures. But we all know savingsRead More
The Right Start for 2016
After almost 20 days in 2016, I know most of you will already be haunting under guilt shadow of breaking most of the resolutions that you made for 2016. We take decisions in moments of spurts (like New Year) and wishfully think that lives would improve. But the old habits die hard and then weRead More
Rules for Withdrawal of EPF – All Scenarios
Rules for Withdrawal of EPF are available on a number of platforms, but rules related to withdrawal are still unclear. The subscribers especially those who are in private jobs are not made aware by the employers about the EPF withdrawal rules. For employees who have been in the workforce from before 2014, a part ofRead More
When to Buy & When to Postpone? The Litmus Test
You come home from office and wife starts the pep talk… Winters on the way … we need a room heater this time… you know last time you said “this is the last stretch and winters will be over soon”,… and it continued for another 15 days… not this time, please. And probably you areRead More
The Ratios: Your Financial Health Report- Part 2
In part one, we saw some of the basic ratios which can clearly see if a person’s finance is under stress or if he has the capability to plan for future. In this post we shall know more such ratios which look very simple to calculate. Once you have the numbers and you run theRead More