August 31st, 2011 
Malvika “Modern man drives a mortgaged car over a bond-financed highway on credit-card petrol.”
Taking control of your cash inflow and outflow is the base for financial planning. Budgeting is important to gain control over your financial life, be prepared and avoid surprises, save for a major purchase, get out of debt and stay out of debt, expand your lifestyle, and to retire early.
Posted in Personal Finance 
Tags: Cash Equivalents, Cash Inflow, Creating A Budget, Financial Planning, Financial Statements, God Is In The Details, Having Fun, Incomes, Inflow And Outflow, Kural, Meal Voucher, Modern Man, Poet, Prosperous Lives, Receipts, Reward Points, Self Employment, Tamil, Utility Bills, Workable Budget 
Comments Off August 22nd, 2011 Malvika Let’s begin on planning finance for retirement:
It is usual for many of us to aspire for a financially secure and happy retired life. However being financially prepared to meet the demands of retired life by saving and investing requires considering and following the 10 doctrines of wise retirement planning.
Posted in Personal Finance Tags: Contingencies, Crores, Doctrines, Extent, Financial Provision, Ill Health, Impact Of Inflation, Inadequacy, Life Expectancy, Medical Advancements, Medical Emergencies, Medical Insurance, Member Of The Family, Personal Finance, Planning Retirement, Private Sector Employees, Retirement Benefits, Retirement Planning, Social Security, Social Security Schemes Comments Off August 20th, 2011 Malvika The mindset of today’s young professionals is changing radically. They would like to have a semi-retired life in their late forties or early fifties by taking up a hobby instead of a regular job.
Posted in Personal Finance Tags: Early Retirement, Enough Money, Family Health History, Fifties, Financial Freedom, Forties, Health Insurance, Health Insurance Policies, Inflation Tax, Investment Returns, Medical Expenses, Mindset, Nbsp, Need Money, Pace, Retirement Age, Retirement Plan, Right Health, Tax Investment, Young Professionals Comments Off July 22nd, 2011 Malvika Company Deposits are simply nothing but fixed deposits in companies that earn a fixed rate of return over a period of time. Company deposits are really down-to-earth products.
Posted in Personal Finance Tags: Bank Deposits, Deposit Scheme, Doorstep, Earth Products, Financial Difficulties, Fixed Deposits, Interest Income, Investment Option, Investment options, Investment Planning, Investment Products, Loyal Investors, Meltdown, Novices, Poor Credit, Rate Of Return, Risky Investment, Simplicity Company, Stock Market Investments, Time Company Comments Off July 20th, 2011 Ziaulla Namani The home loan proposal can be rejected by the banks if one meets any of the below mentioned criteria.
Job stability is of great importance
Bank evaluates loan pay back ability of an individual.
Posted in Personal Finance Tags: banks, Check Loan, Credit Card, Credit Score, Family Member, Feasibility, Home Loan Applications, Hops, Job, Loan Application, Loan Payment, Loan Policy, Loan Proposal, Loans, Maintaining Good Credit, National Credit Bureau, Prime Concern, Question Check, Residential Address, Short Comings Comments Off July 18th, 2011 Ziaulla Namani ‘Money saved is Money earned’ is an old adage said by many wise men. If you second this thought then this article is sure for you.
The point discussed below will help you to save the precious commodity, money.
Posted in Personal Finance Tags: Better Tomorrow, Chalk Down, Commodity Money, Debts, Gold Coin, Groceries, Hard Earned Money, Home Food, Investments, Old Adage, Plastic Money, Precious Commodity, Recession, Salary, Saving Money, Stake, Time One, Trying Times, Use Of Electricity, Wise Men Comments Off July 18th, 2011 Malvika Health care costs are sky rocketing day by day. Therefore the need for having a mediclaim policy for you and your dependents has grown. Suppose you have to undergo some medical treatment or need to be hospitalized for certain reason, then a mediclaim policy will be of immense help to you in covering your health care expenses.
Posted in Personal Finance Tags: Amount Of Money, dependents, Diseases, Emergencies, Family Members, Financial Burden, First Few Years, Health Care Costs, Health Care Expenses, Health Cover, Hospitalization Expenses, Insurance, Insurance Companies, Job, Medical Test, Medical Treatment, Mediclaim Policy, Nbsp, Sky, Waiting Period Comments Off July 13th, 2011 Malvika It may look very strange when everyone is advocating Mutual Fund Sip for long term, what is the necessity for this debate on ‘Is Mutual Fund SIP for Short term or long term?’.
Posted in Personal Finance Tags: Break, Buying A House, Buying House, Career, Cash Flow, Debate, Financial Commitment, Higher Education, Investors, mutual fund, Nbsp, Peers, Period Of Time, Periods, Sip, Term Period, Unnecessary Paperwork, Waste Of Time Comments Off July 9th, 2011 Malvika The willingness and the ability to save money is the secret of building wealth. So as to save money, you need to spend less than you actually earn.
Posted in Personal Finance Tags: Belief System, Building Wealth, Consumerism, Diwali, Entertainments, Financial Goals, Happy Fun, Influencers, Materialism, Negative Feelings, Own Car, Positive Feelings, Saving Money, Silk Saree, Spending Money, System Values, Thought Process, Tight Budget, Traditional Thoughts, Wedding Anniversary Comments Off July 2nd, 2011 Malvika Don’t put off today what you can’t afford to do tomorrow. In spite of the world wide pension crisis and a growing acceptance that we must plan and save for our retirement, the harsh reality is we are actually not saving enough.
Posted in Personal Finance Tags: Car Loan, Cash Flow, Cash Inflow, Emergency Expenses, Emergency Fund, Emergency Reserve, Financial Freedom, Harsh Reality, Housing Loan, Inflation, Leisure Travel, life insurance, Outflow, Pension Crisis, Personal Loan, Retirement Age, Retirement Budget, Sense Of Security, Sip, Spite Comments Off June 29th, 2011 Ziaulla Namani A research report says that the Indian households incurred an additional expenditure of whopping Rs 5.8 lakh crore in the last three years, due to spiralling inflation and dearer food items.
Posted in Personal Finance Tags: Apex, Apex Bank, Commodity Prices, Consumption Expenditure, Crisil, Crore, Food Items, Food Prices, Global Commodity, Headline Inflation, Households, Inflationary Pressure, Moderation, Monetary Policy, Period Food, Purchasing Power Of Money, RBI, Tame Inflation, Trillion, Whopping Rs Comments Off June 24th, 2011 Malvika There are so many tax saving investment options; how Mutual fund ELSS Schemes stand out from all other options?
A Mutual Fund ELSS is similar to diversified equity funds.
Posted in Personal Finance Tags: 3 Years, Cess, Crowd, Diversified Equity Funds, Equity Exposure, Equity Fund, Equity Investments, Investment Option, Investment options, mutual fund, Nsc, Ppf, Rs 1, Sip, Slab, Smart Investors, Tax Benefit, Tax Payers, Term Insurance, Time Horizon Comments Off June 18th, 2011 Malvika 8 Investment Myths To Be Avoided
Today I am going to debunk a few investment myths. You will know ‘why individual investors are failing miserably and how you can avoid being one of them’.
Posted in Personal Finance Tags: Common Myth, Common Sense, Fds, Individual Investors, Inflation, investment, Investment Decisions, Iq, Myths, Nbsp, Professional Financial Planners, Purchasing Power, Rakesh Jhunjhunwala, Retirement, Stock Market, Stock Markets, Tax Return, Temperament, Term Investors, Urges, Warren Buffet Comments Off June 9th, 2011 Malvika
Preparing to start the choice:
Satish grew concerned about how to manage his personal finance investments and asked his uncle, who is a very successful investor, if he knew a good financial advisor.
Posted in Personal Finance Tags: 5 Steps, Certifications, Debt Management, Educational Qualifications, Equity Portfolios, Finance Investments, Financial Advice, Financial Advisors, Financial Consultation, Financial Dealings, Financial Objective, Five Steps, Higher Education, Insurance Advice, Investment Strategies, Personal Budgeting, Personal Finance, Postal Savings, Retirement Planning, Tax Advice Comments Off May 31st, 2011 Ziaulla Namani Internet explorer 9, the latest web version from Microsoft will be available in 11 Indian languages. These include Marathi, Gujarati, Bengali, Kannada, Konkani, Malyalam, Oriya, Punjabi, Tamil, Telugu and Assamese.
Posted in Personal Finance Tags: Bill Gates, Browser Market, Driving Technology, Google, Indian Languages, Indian Users, Input Tool, Internet Explorer, Konkani, Language Input, Language Usage, Malyalam, Man Bill, Microsoft India, Phonetic Keyboard, Research Institutions, Specific Tools, Tamil Telugu, Technology Adoption, Technology Giant Comments Off
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