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
basics of financial planning
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
Your 10 personal finance commandments for 2013
2013 is here and it is going to be happy depending on how you handle your finances among a host of other things like family, work, health etc etc. To be true to everyone, anything you do this year is in no way different from any other year but there are a few things youRead More
Important personal financial information template – a handy guide in emergencies
Emergencies do not come calling at a scheduled time. And when they happen, everyone in the family must support each other while they fight out the bad times. In such a scenario, having a well documented personal financial information template and it’s ready access by the family members is more critical than it is envisaged.Read More
Financial products for financial freedom – Happy Independence Day !
Happy Independence day friends. While independent India is now very old, financial freedom in India is still a distant reality which many entities like the regulator, fund houses, stock broking companies, banks, financial institutions, advisors, agents, CFPs and readers like you are trying to achieve. Yet it is the very same entities who also oftenRead More
Personal Finance Rules of Thumb [infographics]
While I am not a fan of rules of thumb and usually take a clinical approach to zero down on requirements like retirement wants, how much insurance you need or how much you need to invest in equity, not all the readers here can do the number crunching. For investors such as these, it makesRead More