Invest or Prepay The Home Loan? Which is the wiser alternative for people?

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If you are in a dilemma about whether to invest or prepay the home loan using your spare cash, then you are not alone. This dilemma happens to a majority of people. When people climb-up the income ladder, they begin to generate more free cash. If the focus is on improving one’s financial health, wise […]

Become Debt Free: A Plan To Get Out of Debt Quickly [NOW]

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When you’ll Google the term “become debt free“, the search result will also display a query: “is it good to be debt free?“ This dichotomy related to debt has remained since ages. Why? For Banks, NBFC’s, government, and employers – loan (debt) strapped, EMI paying people are an asset. Hence they publicise debt as a […]

Economy and Short Term Debt Cycles (Part-2)

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Here in Part-2 of the series of blogs on economy, we will talk about short Term debt cycles. In Part-1 we have seen what is economy, use of money in economy etc. What’s about short term debt cycles? Ray Dalio has beautifully explained the short term debt cycles in his Youtube video. I am only […]

How to buy government bonds in India?

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When a person wants to buy a risk free investment, which is the best investment vehicle? Government bonds will be the best choice. Why? There are two reasons for it: (a) Government bonds are issued by the central government in India, (b) These bonds are regulated and managed by Reserve Bank of India (RBI). What […]

Debt is Good or Bad for Company?

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How to know if more debt is good or bad for company? On a personal front, an individual must always try to live a debt free life. But debt for a company, may not be bad. Sure, debt is not apt for all companies. But for some, debt acts like a leverage. For such companies, debt helps to […]

Why not to use credit card?

Do you use credit card? Yes? Do you know why not to use credit card? Read further to know more. This article is written for whom? It targets those people who think using credit card is wise. Why they think so? They think that using credit card is great because of the following 3 reasons: Reward points– […]

Home Loan Transfer to SBI – How to do 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 […]

How Enterprise Value Is Different From Market Capitalisation?

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What is Enterprise Value for Private Company and how investors use it for their purpose? Enterprise value calculation is one of the ways to value a company. People often ponder about how to value a company. Enterprise value provides quick answer. Calculating enterprise value is easy. Value of market capitalisation is easily available online. We […]

Which is better: home loan prepayment to reduce EMI or tenure?

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Paying home loan EMI’s month-after-month is a burden. How to reduce home loan EMI? By making loan ‘prepayment‘. What is prepayment? It is an extra payment made to ones home loan account in addition to the EMI. How prepayment helps? It reduces the loan outstanding faster. But while one is making the prepayment, bank will […]