Don’t be surprised if your bank raises the rate of interest on your home loan even though you’ve borrowed at a fixed interest rate. Many devils could be hiding in the details of loan agreements empowering banks to raise interest rate even for customers who have raised funds at a fixed regime, an event Indian households have not seen so far. Read on» » » »
The price of oil per barrel has risen to a new all time high. During trading in Asia and in London, England the price of NYMEX Crude oil futures, per barrel, was at USD 124.34 (22:07 eastern time) setting a new record high. Read on» » » »
It may be high maintenance, but a car ranks only second to a home as far as life’s most important investments are concerned. So what do you do to get the ideal 200,000 miles plus out of your beloved car while keeping the running and repair costs to the minimum?
Just follow the owner’s manual as far as possible and also pay heed to some useful tips: Read on» » » »
Whether you are opening an account in a bank or seeking a car loan, buying insurance or a credit card, one of the first things that you are asked to do is to fill up a form. We tend to treat this chore as drudgery and go about it rather mechanically.
Often, we skip the fine print, ignore all the conditions listed in a form and fill it up without applying our minds properly. This attitude of disdain for the printed word and the application process also prompts us to leave the job of filling up the form to others and just sign on the dotted line. Read on» » » »
Financial planning is not a one-off activity. It involves a lot of elements that come into play throughout the year. Most people fail to understand that the impact of a delay or keeping all the financial planning till the end of the year can cause either a direct financial hit or a loss of precious opportunities.
Starting off
The entire financial planning process should begin in April, the start of the financial year. Changes announced in the Budget are usually applicable from April 1 unless specified. A lot of planning work especially to save taxes can be completed in the first week of April to give an investor a good array of benefits that they otherwise would not have enjoyed. Read on» » » »
One day, while Chicken Little was walking in the woods, an acorn fell and hit him on his head.
“Goodness gracious me!” said Chicken Little, “The sky is falling, the sky is falling. I must go warn everyone.”
We see this all the time. The stock market goes straight up for eight or nine months, and if there are 2 or 3 down days in a row, there is hand-wringing and the moaning all over the place. Read on» » » »
Humpty Dumpty sat on a wall;
Humpty Dumpty had a great fall.
All the King’s horses
And all the King’s men
Couldn’t put Humpty together again!
You know this tragic story.
During the 45+ years that I have been a financial advisor, I have seen this over and over and over again. Read on» » » »
Once upon a time, there was a young hare, a hotshot rabbit investor who would always brag to anyone that would listen and that he was the smartest, fastest, best performing investor in the world. He would constantly tease the old tortoise about his slow, solid investment style. Read on» » » »
The 10 dumbest things investors say to advisors. Read on» » » »
Becoming a first-time home buyer is a tremendous step in life. The sense of personal accomplishment, pride, satisfaction, and joy is irreplaceable. It is not without it’s challenges, though. Because of the huge number of options available to you as a potential buyer, you need to take the time to become familiar with an overview of the buying process, the terminology used, and how to best approach buying your first home.
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