CPP Card Protection is India’s first 24-hour Card Protection service for use in the event of card loss, theft and related fraud. One free call to CPP ensures your cards are cancelled immediately; they also provide emergency travel and hotel assistance. You can now protect all your important cards & valuable documents including all your… Read More »
It is a cycle. When there is a boom, there is always a crash around the corner. Real estate prices became sky scrapers by themselves and the inevitable, a stabilization and correction of prices was bound to follow. People whose lives have seen more than one recession have come to terms with it and have… Read More »
Once you develop an investment plan you have got to stick to it. Asset classes, especially equities can move wildly based on political, global and other news. Having discipline while investing will benefit. It also means staying away from a potential investment when the risk / reward are unfavorable. It is the deciding factor between… Read More »
EPF and PPF are cases of classic asset class mismatch – they are savings tools which are implemented for the long term. So technically they are not ideal investment avenues. However as a salaried person, one does not have an option not to invest in EPF. One could make withdrawals for suitable alternative investments if… Read More »
Blue chip stocks are stocks of companies which are well-established companies and have stable earnings and no extensive liabilities. They can be income or growth stocks. They have a track record of paying regular dividends. They are relative safe and stability.
It is always important for you to understand your goals as well as your risk appetite. Don’t be taken in by the high returns offered by equities or gold if your goal is short term (within 2-3 years of investment), or if you cannot withstand the volatility of these assets. Similarly, just because income funds… Read More »
The Rameshs currently are saving/investing only about 14% of their total income. This is way below the national average of 28%. They need to create a budget tracker and enter details on a regular basis to find where they are spending more. They need to start this immediately as they will face a severe cash… Read More »
Some banks have indicated that because of sufficient liquidity in the system at this point, they may not hike the lending rates. This would mean loan customers need not worry about increase in EMs at this point. But sooner than later, hike in lending rate is imminent. So loan customers, be prepared for your EMIs… Read More »
Use chip based credit cards. These cards offer better security than credit cards with black magnetic stripes. This is because in a chip based card, all information is stored in the small chip in encrypted format and it also uses a PIN. This makes changing or copying this data extremely difficult. So, the chance of… Read More »
The recession taught Indians value of money. So how to manage/use the salary hikes in an effective way so that it brings a fruitful return? Is it the time to splurge or go slow? Or is it prudent to continue with the austerity measures that one discovered during the lean time? Now, is it really… Read More »