These money facts has power to transform peoples lives. They are not just words, but extracts from real life experiences. How these experiences of life became facts, tells a lot about their utility. People who follow these rules will vouch for it the thousand times. These details would only highlight those essential facts about money…
How difficult it was for people to understand the EPF withdrawal process? In good old days, EPF withdrawal process was known only to the employer. Hence it was not uncommon to find ex-employees being harassed by the employers for their EPF withdrawals. But the cases of harassment was a smaller problem. The bigger issue was…
Who would not love to buy stocks of overseas companies. But is it possible to buy one? Stocks of companies like Google, Microsoft, Apple are dream buys for any investor. But not many people know how to buy their stocks sitting back in India. The success story, and growth prospects of companies like Apple, Google,…
Book value of shares gives us a ‘rough idea’ about the stock’s ‘true value‘ (Book value & other details of top Indian stocks). What is true value? True value is that price of a stock, which an investor must pay to buy it. But why book value gives only a rough idea? Because it considers…
Why I’m talking about monthly income from investments? Because I’m an ardent fan of the concept of financial freedom. For anyone, the only way to find this freedom is to look elsewhere for monthly income. Where to look? Alternative sources (other than job/business). One of the best alternative source of monthly income is investment. “Income…
Who will buy ETF in India? These are mainly those investors who want to buy stocks, but lacks the expertise. Who are these people? These are people who do not know how to screen and analyze stocks. [Check a list of top rated ETFs at the bottom of this post] Why screening and stock analysis…
Till Nov’2017, Google Finance provided excellent tools for portfolio tracking and stock screening. But Google decided to discontinue this service since then. If you want to know about the discontinued features of Google Finance, you can read this blog post. People like me were a die-hard fan of Google Finance’s stock screener. I used to…
Prepayment of loan can directly lowers the principal amount. If one keeps the tenure unaltered, lowering of principal amount will directly lower the EMI. This is the way one can make a prepayment and save money. In order to understand how much EMI can be reduced by prepayment, I am providing here an excel based…
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…
