Summary Points: Tax Harvesting Basics: Sell and reinvest equity mutual funds or stocks to keep long-term capital gains (LTCG) under Rs.1.25 lakh and avoid the 12.5% tax. Tax Loss Harvesting: Use losses from underperforming investments to offset gains, slashing your tax bill (e.g., saving Rs.2,500 on a Rs.1.5 lakh gain). Real-Life Wins: See how Priya…
Why do poor people, like so many of our own folks, stay stuck in that rut, while the rich just keep piling up more and more? It’s a heavy topic, but it’s one we’ve all seen play out in our lives. Whether it’s the chaiwala on the corner barely scraping by or the big-shot industrialist…
If you’re in your 20s or 30s, retirement might feel like a distant dream. It is like a far-off goal you’d rather not think about it today. I get it. Life’s busy, bills are piling up, and saving for something 30 years away doesn’t exactly scream “urgent.” But here’s the thing, the earlier you start,…
So, I stumbled across this juicy little debate on Reddit the other day, and it’s got me thinking. Imagine it like this, a couple’s sitting down, probably over coffee or maybe a cup of tea, hashing out what to do with their investments. They’ve got 10% in cash, 20% in bonds, and the rest chilling…
Let’s talk about something on which I’ve been researching for a while now. It is a new idea of investment. For so long, hasn’t it felt like we’ve been chasing numbers, returns, and growth, often at the expense of, well, everything else? We see the news about the climate disasters, the widening inequalities, etc. It’s hard not to feel…
In this tariff war world, the dollar is flexing its muscles again. As if the cost of living here wasn’t already giving us a mini heart attack every time we swipe our credit cards. But seriously, this whole “strong dollar” thing is something our NRIs need to understand. Why? Because it touches everything from their…
Today I’ll talk about some which has been swirling in my head – “Cash Out.” Sounds fancy, right? It’s basically a way to unlock some of the money that’s sitting pretty in our home. Think of a house as a piggy bank (gullak) that’s been steadily filling up over the years. Cash out is like…
Hey everyone, today I have come with a topic that’s been buzzing in my chai breaks since the latest budget: taxes! Specifically, how the ever-changing tax rules are impacting our decisions related to investments. Now, I know taxes aren’t exactly the most exciting thing to talk about, but trust me, understanding this stuff can boost…
India’s vast geography and growing digital economy create an enormous demand for high-speed internet in rural and underserved areas. While Jio and Airtel dominate India’s 4G/5G and fiber broadband markets, the success of StarLink highlights the potential for satellite-based internet services. If Jio or Airtel decide to venture into LEO (Low Earth Orbit) satellite internet,…
Here in India, where we’ve seen our rupee sway with the global winds, what’s happening with the won is a story worth our attention. When you think of currency, you might imagine cold numbers and exchange rates. But behind every bill and coin, there are interesting stories. There are a few anecdotes concerning the Korean…
The US Federal Reserve (Fed) has made headlines for its efforts to control inflation. The central bank has been aggressively cutting interest rates since August’2024. But there’s a puzzling twist: mortgage rates in the US are still rising. Yes, it’s happening and that is what’s strange. Despite the Fed lowering rates to stimulate the economy,…
Discover the concept of skiplagging. It is a controversial travel hack that can potentially save on airfares for us. Learn how it works and its benefits vs risks. We must also know why we Indian travellers should weigh cost savings against potential penalties before considering skiplagging. Not many of us in India know about skiplagging…
