tag:blogger.com,1999:blog-30403110255655097582024-02-20T13:25:14.595+05:30It's All About Money..Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.comBlogger26125tag:blogger.com,1999:blog-3040311025565509758.post-30525576089447558892015-07-15T11:17:00.000+05:302015-07-15T11:22:45.840+05:30Want to retire early? Here’s how…
A few years ago young people seldom thought about retirement. Stereo typically retirement meant old age. The Govt. jobs with job security till sixty and then
an indexed pension endorsed that. Now things are changing and people have
started thinking about an early retirement, especially with the corporate grind
leaving people burnt out. To me retirement is financial freedom; that Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com0tag:blogger.com,1999:blog-3040311025565509758.post-35573006345329823972014-07-20T14:41:00.000+05:302015-03-23T16:40:45.824+05:30Have You Made The Best Investment?
"I have put on weight, have acquired type 2 diabetes and have also started medication for hyper- tension", said Vishal, an old acquaintance who I bumped into recently at a wedding reception in response to my “oh my God you have changed so much!” “I am genetically prone to obesity and diabetes”, “ye to hona hi tha”, said Vishal. Wow! How convenient it is, to blame our genes for Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com2tag:blogger.com,1999:blog-3040311025565509758.post-22049123382542989332014-05-26T13:12:00.001+05:302014-05-26T13:12:22.066+05:30Guilty About Spending?
A friend of mine took an
impromptu trip to Goa with her children, had a wonderful time there but
returned feeling guilty about spending through the nose. Another woman I know
has a habit of sneaking in her shopping bags in her husband’s absence so that
he wouldn’t know about her extravagance. Incidentally, both these women are
financially independent and make good money. This leaves me Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com4tag:blogger.com,1999:blog-3040311025565509758.post-11295819422982928952014-05-04T17:19:00.001+05:302014-08-04T17:13:57.456+05:30Before You Quit Your Job
Incidentally during the past week three different people
have called; seeking advice on quitting their respective jobs. Let’s call these
gentlemen A, B and C. Mr A is stuck in a bad job with a very bad boss (common scenario :-)).
Mr B is also unhappy with his current job and is inspired by his distant cousin
who according to him is a full time investor. He too wants to follow his footsteps
and Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com0tag:blogger.com,1999:blog-3040311025565509758.post-37044700023636029372013-10-29T14:49:00.001+05:302013-10-29T14:52:52.971+05:30Health Insurance for 70+ in India
A
week ago I happened to overhear a gentleman’s conversation with probably his
friend while I accompanied my friend’s father for his routine check up to the
doctor and was sitting, waiting for our turn. This gentleman had come to seek a
second opinion about his father who had been advised an angioplasty by another
cardiologist. I first thought he was concerned about his father’s health but he
Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com0tag:blogger.com,1999:blog-3040311025565509758.post-3877512898184992482013-09-26T21:08:00.000+05:302013-09-26T21:08:31.727+05:30How To Buy Mutual Funds Online?
A few
years ago people made customary trips to the banks for their regular
transactions; then came the net
banking. Now transactions are done with a click of mouse, sitting at home.
Convenience is of prime importance today. However, when it comes to investment
many people still do the traditional way, through an agent. Online investing is
still not very big in India but it's a Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com5tag:blogger.com,1999:blog-3040311025565509758.post-51085687091894896332013-09-18T14:39:00.000+05:302013-09-18T14:39:52.787+05:30Business Insurance : Partnership
It’s not uncommon for entrepreneurs to start
their business in partnership. In fact a huge portion of business houses across
India are partnership firms. And they are doing wonderfully well. But many
entering into partnership contract ignore an important aspect; the partnership
insurance. To read more visit
http://www.investmentyogi.com/what-is-partnership-insurance/
Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com0tag:blogger.com,1999:blog-3040311025565509758.post-69924194205301268712013-07-22T20:02:00.000+05:302013-07-22T20:02:26.787+05:30Business Insurance: Married Women's Property Act
Buying a life insurance cover alone will not
necessarily ensure that your loved ones get the insurance amount in the event
of your death. If you are the owner of a business with a high component of
loans and have accumulated debts, your creditors will have the first claim on
your policy proceeds. To protect your loved ones from such situations insure yourself
under MWPA. To read more visit http:Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com0tag:blogger.com,1999:blog-3040311025565509758.post-50009144618438781952013-06-10T21:17:00.001+05:302013-06-10T21:17:04.370+05:30The Penny Stock Fallacy
According
to a recent Economic Times report nearly 200 penny stocks, which were never
traded since 2000, have seen a resumption of trading on the BSE in the past one
year and some of these stocks have appreciated between 100 per cent and 1000
per cent; months after making a comeback, while a few of them hit the upper
circuit successively over the period. Moral of the story; if there is any one
Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com2tag:blogger.com,1999:blog-3040311025565509758.post-12222247057604879522012-12-31T20:15:00.001+05:302012-12-31T20:20:41.106+05:30Some Financial Resolutions for 2013
Came across a post on the Facebook “friends
don’t let friends eat any sweets in 2013; need to lose 10 lbs”. Comes New Year,
along come lot of resolutions; some about weight, some about vices but none
about wealth and my resolution for the New Year is to put people on the right financial
track. In fact as we ring in the New Year, here are certain things that
are guaranteed to secure and Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com0tag:blogger.com,1999:blog-3040311025565509758.post-74246496022007199182012-11-25T22:54:00.001+05:302012-11-25T22:54:26.784+05:30Some Myths Associated with Mutual Funds
Mutual funds are an effective
engine to route your investments in the equity markets. They offer several
advantages over direct stock picking; but even after knowing the importance of
investing in mutual funds, many people refrain from this instrument due to
several myths. I have observed even informed investors making incorrect
investment decisions based on incorrect or flawed information. I Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com0tag:blogger.com,1999:blog-3040311025565509758.post-67504631370588677652012-09-16T09:23:00.000+05:302012-09-16T12:26:27.064+05:30Magic Of SIP
Remember the story of the thirsty
crow? I heard it in my childhood and have read the same story to my son umpteen
number of times. The smart crow kept on dropping the pebbles into the half
filled pitcher till the water level came up. Birla Sun life Mutual Fund has
very appropriately used this story in it’s advertisement to promote SIP. They
say a smarter way to save regularly. Yes it is. Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com0tag:blogger.com,1999:blog-3040311025565509758.post-40700792084854912022012-07-22T21:37:00.001+05:302014-07-23T15:07:00.652+05:30Euro Crisis: Impact On India
The
adage that America sneezes and the world catches flu held true in 2008.It was
the huge subprime crisis in the US that triggered the last recession and
engulfed the world; this time around
it is the countries in Europe which are sending shivers. Enough has been already spoken and written about the Euro crisis and its causes, but my concern is with the impact it has on us.
Firstly Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com2tag:blogger.com,1999:blog-3040311025565509758.post-19334719919548001882012-05-27T10:33:00.002+05:302012-05-27T10:33:54.421+05:30Reverse Mortgage: The Loan That Pays You!
Mrs. Sharma is a
62 yrs old widow living all by herself in a house built by her husband but the
pension that she gets is not enough to bear her livelihood expenses and she
hates to ask for the financial help from her children. Getting into old age
without proper financial support can be a very bad experience. The rising cost
of living, healthcare, other amenities compound the problem Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com1tag:blogger.com,1999:blog-3040311025565509758.post-1529136143189492302012-04-15T22:35:00.001+05:302012-04-15T22:43:32.470+05:30Some Financial Tips for the Newly Weds
So you have just tied the knot and might still be basking in the
excitement of your special day. But once your honeymoon is over, it's time to
sit down and find out what each other's more substantive financial goals might
be. Because one of the most critical changes you encounter after getting
married is the financial reality. Single income can convert to double, but so
can the debts; buying Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com0tag:blogger.com,1999:blog-3040311025565509758.post-53913149343224429762012-03-17T21:57:00.000+05:302012-03-17T21:57:22.716+05:30Insurance Myths: Busted
A gentleman I know has been
thinking of buying insurance for quite some time; however, having other important
matters to handle on priority, this was conveniently put on the back burner.
Now that time of the year has come when most people scramble for investments in
tax saving instruments at the end of the financial year and insurance comes at the
top of the list; this gentleman too wants to Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com4tag:blogger.com,1999:blog-3040311025565509758.post-90872468074956659192012-02-26T21:05:00.000+05:302012-02-26T21:46:39.658+05:30Seven Mistakes You must Avoid While Writing a Will
This is in continuation to my
earlier post and I strongly feel writing a will is the first step in succession
planning; the peace of mind is guaranteed knowing that we have settled our
affairs and taken care of our loved ones. However, all the efforts could go
waste if the will has discrepancies. So below are some of the mistakes one must
look to avoid....
1. IMPROPER EXECUTION
Your Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com3tag:blogger.com,1999:blog-3040311025565509758.post-5840135793795500172012-02-19T19:10:00.000+05:302012-02-19T19:10:26.475+05:30How to Write Your Will
Remember Parveen Babi; the gorgeous actor of yester years; died a
tragic death and her so called relatives fought among themselves for who should
get the claim of the dead body from the police to perform the last rites (and
subsequently should get the property as well). Well the cremation did happen
but the property matter is still pending in the court. The point I want to put
across is; most Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com3tag:blogger.com,1999:blog-3040311025565509758.post-17117321701260232432012-02-11T23:10:00.000+05:302012-02-12T00:59:26.980+05:30Plan Your Retirement
While
all of us have loved Amitabh Bachchan in Baghban, we wouldn’t wish something
like that should happen to anybody in real life. There was time when 60 was the
optimum age for retirement. Now the tables have turned and 60 is the new 40.
The life expectancy rate of an average individual has increased by 20 years.
And with this, the standard of living, earnings, opportunities and whole Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com2tag:blogger.com,1999:blog-3040311025565509758.post-63693118378223171712012-01-22T22:00:00.000+05:302012-02-08T19:10:16.960+05:30Investment in Gold
It’s been a
tradition to buy gold in India for centuries; it’s a way of life. The amount of
gold people buy would vary as per the financial condition. But gold we all have
in some form or the other; traditionally it’s been jewelry and ornaments or
coins and bars from the point of saving for a rainy day; in times of need it
could be pledged and a loan can be availed against it; but mostly Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com0tag:blogger.com,1999:blog-3040311025565509758.post-12351480767922107022012-01-08T17:32:00.005+05:302012-01-09T21:32:54.550+05:30Money Matters for Children
I believe that
understanding the importance of finances and its future planning, is a lesson that
parents should start early in life. Because when it comes to understanding your
dreams and fulfilling them, there is no time like the present. However, there
are many people known to me who still believe that that their kids are too
young to learn about money. On the other hand many avoid this Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com0tag:blogger.com,1999:blog-3040311025565509758.post-82732836589659494582012-01-01T08:47:00.000+05:302012-01-01T08:47:29.063+05:30Some Financial Resolutions for 2012‘I’ll go to the gym everyday’, ‘no red meat for me’, ‘no sweets’… The list is endless. Sounds familiar. Right? Comes the new year and along come many resolutions; most of them health related. It’s good to be health conscious. Health is wealth after all. But how about making some resolutions for your financial health for a change this time around?<!--[if !supportLists]--> Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com2tag:blogger.com,1999:blog-3040311025565509758.post-72430838631290313312011-12-25T11:48:00.002+05:302012-09-17T00:03:02.117+05:30Financial Planning Myths Debunked
Financial planning is the road map to a destination called financial freedom; a term generally used to describe the state of having sufficient personal wealth to live indefinitely without having to work Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com1tag:blogger.com,1999:blog-3040311025565509758.post-37684883926756531872011-12-18T08:22:00.003+05:302011-12-18T08:25:57.571+05:30Volatile Markets! What to do!
A friend of mine called up quite late last night. She was extremely worried. L&T has come down to 1070 she said. So? Is that the reason you woke me up, I asked? I’ve lost money she said. She is not the only one who is concerned. Many have lost sleep thanks to the uncertainty Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com2tag:blogger.com,1999:blog-3040311025565509758.post-47404431208924522952011-12-11T09:49:00.001+05:302011-12-11T09:50:31.218+05:30How much Insurance do you need?
Met a gentleman recently who very proudly shared with me that he pays Rs 90000/- per annum as the premium towards his 10-12 insurance policies which he has accumulated over the years. I talked to him for about 10 minutes and learnt that his 10-12 insurance policies provide him a cover of approximately Rs 15 lacs. Is it a sufficient amount I asked? He said 15 lac kam hain kya? More over I save Vandana Dubeyhttp://www.blogger.com/profile/10758287740900552930noreply@blogger.com9