What is the utility of a balance sheet for individual? Why a salaried employee must maintain a personal balance sheet? There can be no if’s and but’s in the answer. An individual must maintain a balance sheet for personal use. Why? Because it will assist in keeping ones personal finance in order. What is a…
What is the significance of high EPS companies? Why investors look for stocks with high EPS ratio? Does high EPS really means that the stock is good for investing? [list of High EPS stocks is here] Principally, ‘high EPS’ of a stock is a good thing. But high EPS alone does not make a stock…
Explore the benefits of the Loan Prepayment Calculator to understand how prepayments can affect your loan. Just enter your loan details and prepayment options, and you will discover potential changes in EMI, total interest, and savings. This tool is designed to help one make informed decisions to minimize the financial burden. We invite you to…
REIT is an acronym for Real Estate Investment Trust. REIT is basically a company which develops and own ‘income producing’ real estate properties. IPO of India’s first REIT was launched on 18-Mar’19. Shares of Indian REIT started trading from 01st April’19 in Bombay Stock Exchange. In the 3Q ending 31-Dec’2019, Embassy REIT has posted a…
Investment in Ola Uber cabs can be profitable, especially with more trips and longer rides, as shown by ROI ranging from 9.96% to 38.64%. However, profitability depends on managing costs and meeting minimum business guarantees effectively.
How to invest 10 lakh rupees in India? We are dealing with a big lump-sum amount here. Hence, it is better to proceed with caution. Idea should be to generate the ‘expected returns‘ with a “reasonable risk of loss” associated with it. It is important to understand the following concepts before proceeding: Expected Returns: Example:…
The best investment plan is one which not only takes care of our needs but also creates wealth over time. What I’m saying is nothing new, right? Investment advisors have been saying this for years. But the problem comes in its implementation. Buying mutual funds, stocks, bonds etc in the name of investment is not…
One day I was sitting with my group of friends. We were randomly gossiping about things, when the topic of investment came up. People were eager to know about it, but they only wanted quick answers for queries like ‘where to invest money for high returns‘. Frankly speaking, there are no quick answers when one…
Dividend paying mutual funds are my favourite investment vehicle. Why? I like them because it can generate short term income. “Income generation” and “equity investments” does not go hand in hand. This is why, regular dividends from equity based funds makes it unique. I love it. But income seekers must play cautiously with mutual funds….
Intrinsic Value Calculator (Modified Ben Graham’s Formula) Modified Benjamin Graham Formula EPS (Rs./Share): Expected Growth Rate g (%): Bond Yield Y (%): Current Market Price (Rs.): 💡 Calculate Introduction Have you ever wondered how some investors, like Warren Buffett, seem to pick winning stocks time and again? It’s not magic or guesswork. It’s about understanding…
When I was 25, I was already dreaming about financial independence. On one side, my father was enjoying his job even when close to retirement, while I was considering it (retirement) at the outset itself. Read more about how to be financially independent. [Check at the bottom of this post to know, where to invest…
Defaulting on a personal loan in India leads to banks negotiating or pursuing recovery through legal notices under the SARFAESI Act, but it’s a civil dispute, so no jail time is involved. Genuine defaulters can seek EMI restructuring or temporary relief, while wilful defaulters may face stricter actions. (use this loan problem calculator to get answers to specific queries).
