Good Debt v/s Bad Debt:How to understand the difference?

Most of us have taken Loans in our lives for one or other objectives but When I speak with people on whether one should borrow or not and whether debt is good or bad, I find that most of people are on either extremes, some believe that one should always borrow money for their needs …

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Legal Structure of Mutual Funds in India.

In my last article “ All about Mutual Funds. Advantages & Disadvantages of Mutual funds”,I had discussed about basics as well as advantages and disadvantages of Mutual funds. Mutual Funds are very strong and stable vehicle for investing in different asset classes. Most of the investors whether they are investing in Mutual Funds or not, …

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All about Mutual Funds. Advantages & Disadvantages of Mutual Funds.

Mutual Fund is a common pool of money, where large number of investors, invest their money and then that money is invested in stocks, bonds, gold, money market instruments and other types of securities. So Mutual fund is not an asset class in itself like equity, debt or gold but it is a means to …

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Falling Equity Markets : What should you do?

With the sharp fall in the markets in last few days, once again stock markets are talk of the town.  Investors are discussing the reasons for fall and trying to find answers of two questions. First,  what was the exact cause of this sharp fall in the stock market? And second is how much will …

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How to approach Banking Ombudsman to resolve your complaints against Bank?

In my last post I had discussed about “How Insurance Ombudsman can help you in resolving your complaints against Insurance companies?”, now in this post I am discussing on How Banking Ombudsman can help you in resolving your complaints against Banks. We Indians were originally dealing more with cash and used to keep high amount …

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How to fight denied Insurance Claims with the help of Insurance Ombudsman?

Generally whenever insurance claims whether it is life insurance claims or Non life insurance claims are rejected, policy holders directly approach a lawyer and file case at consumer court. What happens is, filling a case in the court is very costly affair because lawyer will charge you his fees as well as expenses for fighting …

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Investment, Speculation and Gambling: How are they different?

Your approach determines whether you are investor, speculator or Gambler? Most of the people who are participating in different asset classes like Equities, Commodities , Real estate or other asset classes don’t understand whether they are actually investor, speculator or gambler. It is very important to understand your own behavior as an investor because that …

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5 Money Actions that can create disaster in your Financial Life.

1 Most of you have been reading my articles for quite a long time. I have written a lot on how you can organize your financial life. Now this time I want to tell you what you should not do. Successful Financial life can be achieved by avoiding mistakes and adopting a disciplined approach towards …

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Varishtha Pension Bima Yojana- Life long Taxable Guaranteed Return of 9.30% p.a. for Senior Citizens.

Whenever interest rates are falling, senior citizens are always under stress to maintain their income, because their income from interest through fixed deposit is falling and that is their main source of income. NDA Govt which ended its tenure in 2004 was very sensitive to this issue and so they brought two schemes in their …

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