One day my Life Insurance agent approached me and informed me about a child insurance plan. That insurance policy provided insurance coverage of Rs 10,00,000. Upon purchase of this child plan, the annual premium payment was Rs 52,000 for next 18 years. The returns will be affected at the end of 18th year, 19th, 20th, 21st,…
Every balance sheet transactions recorded by the company, alters its Balance sheet. For investors, it is interesting to understand balance sheet transactions of companies. Though the understanding of balance sheet transactions is not essential, but its knowledge helps. It will greatly help value investors to read and interpret companies financial reports. When I started learning about balance sheet…
A person who wants to start investing money must be aware of the investment basics. For a beginner, these investment basics will work like a light-house. It’ll show direction, following which the investors will reach the desired goal. These ‘basics’ are like ‘rules of investing’. By being aware of these rules, even a novice can…
Direct equity investment can be very rewarding. Simultaneously this is also true that risk of loss in direct equity is high. People who can balance risk and return while dealing with direct equity are the winners. But how can one balance the risk and reward? The risk associated with direct equity comes from complexity of information Its not so…
What is the history of inflation in India since last 10-15 years? The rate of inflation in India is currently hovering around 4 years low levels. In June’2013 India saw its inflation rate at 4.7%. If we look at history of inflation in India since year 1969, inflation has averaged around 7.7%. May be not…
The rent vs buy a house decision is a dilemma that the majority face while buying their first home. It is one of the tough decisions of life. Why? Because when common men decide to buy a house, they are actually making a decision to lead a less-abundant lifestyle. Hence, along with money, buying a house…
An ideal investment portfolio mix must include different types of securities, linked to specific goals. Just listing down few stocks and tracking its performance in Google Finance is not the ideal investment portfolio management style. Tracking performance of these securities, with respect to its goals, will be ideal. It gives a better realisation that, if the securities are…
In order to understand whether government subsidies are good or bad for India we have to see things in larger perspective. Instead of looking only at immediate effects, one shall see long term repercussions of subsidies. What is subsidy? And why government decides to have them in first place? When price of goods or services are controlled…
One can work from home and earn money online with Swagbucks India. It allows you to earn SB points through tasks like surveys and searches, redeemable for Rs.0.5 via Flipkart gift cards or Rs.0.8 via PayPal transfer. Check my earnings here
We know how gold is an investment vehicle. But what is e-gold? All over the world the commodity market is dominated by precious metals like Gold and Silver. In India in year 2010, National Spot Exchange introduced E-Gold. The biggest benefit of E-Gold is that it allows investors to invest in gold with much lower…
Lowest NAV mutual fund means it is undervalued? No necessarily. One can earn higher return if one buys a good mutual fund at undervalued NAV. There is a difference between “undervalued NAV” and “lowest NAV”. Low NAV does not necessarily mean the fund is undervalued. Lower NAV may be cheap for your pocket, but it…
SBI provides home loan at most attractive interest rates. Yuvraj wanted his home long transfer to SBI. He did some study and here are his findings. Yuvraj carries home loan of Axis Bank. He was paying interest at rate of 10.75% on his home Loan. He saw that State Bank of India (SBI) is offering…
