Financial Independence – A goal worth aspiring for?

“I want to save money and then travel the world” “I wish to live life in the hills, without any worries” “I want to follow my passion, but my finances worry me” “I hope to join an NGO and work pro bono, but I need to secure my family’s financial life” What is the underlying […]

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Your Personalized Lifestyle Inflation Number

Inflation is a powerful term. It has helped change public discourse and has also been instrumental in rise and fall of governments. It is this fancy number which, of late, has been hovering not too far from the 5% (per annum) mark in India. Roughly put, this means that you are paying 5% more for […]

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Use affiliates to get cashback on eCommerce shopping

Are you someone who can’t wait for the Amazon or Flipkart sale to begin and put on your shopping hat? Or you shop for (almost) all your major needs like grocery, medicines and more via eCommerce, irrespective of the offers? Apart from the regular discounts they offer and using wallets to get cashbacks and discounts, […]

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5 benefits of taking a personal loan

In my earlier posts I have often argued that personal loan is one of the worst form of loans, and I stand by it. And maybe, this subject line may seem to be a click bait! Yet there are few benefits (relatively speaking!) of taking a persona loan vis a vis the other alternatives available […]

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Long term opportunity cost of impulse spending

In one of my earlier blog posts – Saving and investing money versus living life king size I have broached upon the concept of opportunity cost of saving/ investing. Post which I had discussion with few people on this and realized that this can be a concept that can be explored further. Whatever you choose to […]

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3 investment mistakes to avoid

There are several approaches to investing one can take. And there can be many of these approaches that can be right. Not necessarily the ones with maximum returns, but the ones which fit your objectives. It can be maximization of returns (but with capacity to take risk), capital protection, diversify and so on. Yet we […]

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Saving and investing money versus living life king size

Should you save money or should you live life king size and enjoy your life – is one of the perennial question about people who are interested in doing a bit of financial planning. (Of course, the question doesn’t arise if you don’t do financial planning at all – you’ll, in all probability chose the latter). […]

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Assumptions in planning your investment and finances

Often one is sold (or at least made an attempt to!) products/ schemes/ investments which seem great, and sometimes too good to be true. But these great things are usually built upon some assumptions, some seemingly credible, some seemingly shady. Are all these premises true or there is more to it than what meets eye? […]

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Should you invest in PPF?

PPF (Public Provident Fund) is one of the common investment options among Indians – be it salaried individuals or someone else. In addition to offering Income Tax benefits under Section 80C, it also offers assured returns (current rate of interest is 7.6%). And even the interest earned is also completely tax free. But is it […]

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