Monthly Archives: August 2009

31/08/2009
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Personal Finance

Don’t Carry Your Cards

This is one of the easiest ways to reduce your expenditure. I do understand that the Debit/Credit cards give lot of benefits to the consumers but it makes you spend your hard earned money. Isn’t it true? You would have anyway spent your money, what is the point about the cards? I don’t quite agree with it. the cards gives us lot of benefits like we can track our expenses, they are not as cumbersome as cash to carry around, the cards offer rewards for spending money and many more benefits. I agree with that, but ultimately the card that you are going to use will be charged and you will be paying the bank directly or indirectly some money for the service that you are using. Continue reading →

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30/08/2009
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Personal Finance

Houses on Sale

These days I see many advertisements regarding the sale and so called the real estate price correction. Even now, it is not so very cheap as most of us think. I thought that the prices of the apartments are cheap but the truth is, it is not so. Nothing is cheap, everything is costly. A couple of years back when the real estate was in boom, the prices of the apartments were around 25 to 30 Lakhs. A few premium builders had their price which was only for the privileged high class people. It was generally in Crores. The budding builders and the enthusiast in this real estate who wanted their share of pie were giving the flats at reasonable price only. Continue reading →

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26/08/2009
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Stock Market

Mutual Fund Category

There are various Mutual Fund Categories. They can be broadly classified into the following:

  1. Stock funds
  2. Money market funds
  3. Bond funds
  4. Balanced funds
  5. Asset allocation funds Continue reading →
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23/08/2009
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Personal Finance

Lifestyle Inflation

Is this a new term that you are hearing for the first time? If so you need to know what it is all about. Lifestyle Inflation indicates the rise in your lifestyle expenses which you need to consider. As your disposable income increases, you tend to acquire certain expensive tastes and desires. This is also a function of the growth in availability of a number of options. For example, you would have been content to watch movies in an ordinary movie hall a few years ago. However, with the hefty pay hikes you’ve received over the years, you would now have upgraded to multiplexes. In simple terms, it means your ticket cost has jumped from Rs 100 to Rs 250. Continue reading →

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20/08/2009
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Beginner Series

Beginner Series: How to Choose a Stock?

I have had this question many a times when I get to invest in the stock market. There are so many companies listed in the stock market and which one should I be picking up? I am sure most of you would have a similar question. How I did go about finding the right stock is just random. I did not know how to value a stock or how to analyze the stock. The very first stock that I picked was just random. I just thought of searching a company with starting letter’ S’ and I wanted that company to be a FMCG one. That is it. No other rules.  🙂 Continue reading →

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