How to interpret your CIBIL Credit Information Report?
EXECUTIVE SUMMARY: The Credit Information Bureau (India) Limited (CIBIL) maintains your credit report and credit score, which are used by lenders when you approach them for a loan or credit card. It is very important to interpret the credit report correctly, in order...
Union Budget Basics
Executive Summary – The Union Budget for financial year 2015-16 will be presented on February 28, 2015. The Union Budget is a document that details out the revenue and expenses of the government and the broad path it is going to follow towards policy reforms,...
Can your Perfect Image make you RICH?
Swati Marhia is the Founder and Chief Image Consultant at Persona Redefined. She is also a soft skill Trainer. She has over 6 years of experience in Airlines, International BPO as well as Training Industry. In her free time she writes blogs on different topics related...
નાણાકીય આયોજન કરતી વખતે ધ્યાનમાં રાખવાના 10 મુદ્દા
તમારા નાણાકીય આયોજકને નક્કી કરતા પહેલા તેની...
Should you opt for Gold ETFs or Gold Funds?
It is good to have gold as a part of your investment portfolio. You can invest in gold through Gold ETFs or Gold Funds. Gold Funds are good if you want to invest for a longer term without too much trade. Gold ETFs are good if you want to regularly buy and sell gold...
Have you completed your KYC requirements to continue investing in Mutual Funds?
The Mutual Fund industry has witnessed constant changes with respect to guidelines and regulations. The latest in line is the new additional KYC formalities which Mutual Fund investors must complete to be able to continue investing. However, this may be restricted to...
What is the best way to invest in Gold?
Gold, as an asset class has clocked the highest returns in the past few years, compared to other asset classes. Today, investment decision in gold is not just determined by the prevailing price, but also by the mode of investment. Apart from the traditional mode of...
The higher Provident Fund deduction – is it good or bad for you?
On November 30th 2012, the Employee Provident Fund Office (EPFO) issued a circular on the calculation of Provident Fund contribution. According to the circular, all allowances, except those specifically disallowed by the EPF Act, should be included in ‘Basic...
Manage your Expenses with Technology
Never spend your money before you have it…. Thomas Jefferson We had earlier written about expense management using mobile apps. This is available here. Here are some Desktop applications for managing your Personal Finance Budget. Mint - Mint is an...
Have you completed your KYC requirements to continue investing in Mutual Funds?
The Mutual Fund industry has witnessed constant changes with respect to guidelines and regulations. The latest in line is the new additional KYC formalities which Mutual Fund investors must complete to be able to continue investing. However, this may be restricted to...
What is the best way to invest in Gold?
Gold, as an asset class has clocked the highest returns in the past few years, compared to other asset classes. Today, investment decision in gold is not just determined by the prevailing price, but also by the mode of investment. Apart from the traditional mode of...
The higher Provident Fund deduction – is it good or bad for you?
On November 30th 2012, the Employee Provident Fund Office (EPFO) issued a circular on the calculation of Provident Fund contribution. According to the circular, all allowances, except those specifically disallowed by the EPF Act, should be included in ‘Basic...
Manage your Expenses with Technology
Never spend your money before you have it…. Thomas Jefferson We had earlier written about expense management using mobile apps. This is available here. Here are some Desktop applications for managing your Personal Finance Budget. Mint - Mint is an...
Antoine de Saint-Exupéry
A goal without a plan is just a wish!