by Vidya Kumar | Feb 9, 2024 | Cyber crime & Security, personal finance, Uncategorized, Vidya Kumar
Do you remember passing notes to your friend sitting on the other side of the classroom? Either your classmates were busy or considerate enough not to read the notes. Or you might have written it in code such that only your friend can read it. Digital communication...
by Vidya Kumar | Nov 27, 2023 | Behavioural Finance, personal finance, Uncategorized
In a letter to his brother, John Keats, the British poet wrote, “At once it struck me, what quality went to form a Man of Achievement … Negative Capability.” What is Negative Capability? According to Keats, negative capability is “when a man is...
by Vidya Kumar | Feb 3, 2022 | financial planning, personal finance, Uncategorized, Vidya Kumar
The Finance Minister Nirmala Sitharaman presented the budget for the financial year 2022-23 on February 1. While there are no changes to income tax slabs, here is a list of some of the key announcements that will have a direct bearing on personal finance –...
by Vidya Kumar | Jan 28, 2022 | Financial Literacy, personal finance, Vidya Kumar
When Mahesh wanted to buy a home and take a housing loan, he spent a lot of time and effort. It was not just deciding the house to buy but the logistics of collecting documentation such as bank statements, tax information, identification proofs and more too. These...
by Vidya Kumar | Feb 18, 2020 | Home loan, Interest Rates, personal finance, Vidya Kumar
Summary: The RBI announced its monetary policy in February 2020. Though there were no rate cuts or changes in CRR, the other measures have given banks to have higher liquidity. Therefore banks such as SBI, BoB, etc. have amended interest rates on loans and FDs. The...
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