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- A step by step guide to create your Road map to Financial Freedom - by Submitted on Sep 18, 2017 from Holistic Investment PlannersThe essence of the word freedom is perhaps best understood by those who have been in bondage. Ask our freedom fighters, ask Nelson Mandela and all those who have been restrained against their will; they will emphatically iterate that freedom is liberating. The inherent quality of freedom or ...
Views: 653 - RIDDHI SIDDHI MULTI SERVICES INITAITIVE: THE CHOICE BETWEEN LIQUIDATION AND REORGANIZATION - by Submitted on Sep 16, 2017 from Riddhi Siddhi Multi ServicesHere is an idealized view of the bankruptcy decision by Riddhi Siddhi Multi Services. Whenever a payment is due to creditors, management checks the value of the firm. If the firm valuation is greater than the promised payment, the firm needs to pay up. In case of failure of the same, the equity ...
Views: 999 - Avoiding The Debt Trap: Why Payday Loans Spell Financial Trouble - by Submitted on Sep 15, 2017 from Jessica McMohenFor many Americans living paycheck to paycheck, payday loans are the only bridge keeping them financially afloat. Unfortunately, very quickly, payday loans can dig you into far deeper debt. Because of the astronomical interest rates associated with these loans, the cost of using them is far ...
Views: 1756 - These Are the Key Google Stock Price Points to Watch - by Submitted on Sep 14, 2017 from Mahendra CGOOGL Stock: Cautiously Bullish The time has come to review Alphabet Inc (NASDAQ: GOOGL) stock once again because Alphabet stock has failed to make any headway in recent months. This is not necessarily a bad thing, but it is always wise to frequently review investments and make sure nothing ...
Views: 696 - How to handle the effects of inflation during Pre-retirement and Post Retirement? - by Submitted on Sep 13, 2017 from Holistic Investment PlannersWe often hear from our parents and grandparents that they used to buy movie tickets for Rs. 5. Milk that we used to buy for Rs. 13 few years back has doubled now. Have you ever thought why such change in price happens? The answer is inflation. You can’t AVOID inflation: For the price ...
Views: 465 - Links between Long-Term and Short-Term Financing - by Submitted on Sep 12, 2017 from Riddhi Siddhi Multi ServicesAt Riddhi Siddhi Multi Services, we understand that a business require capital—that is, money invested in plant, machinery, inventories, accounts receivable, and all the other assets it takes to run a company efficiently. Typically, these assets are not purchased all at once but are obtained ...
Views: 1490 - Financial Planning Models by Riddhi Siddhi Multi Services - by Submitted on Sep 10, 2017 from Riddhi Siddhi Multi ServicesFinancial planners often use a financial planning model to help them explore the consequences of alternative financial strategies. These models range from simple models, such as the one presented later, to models that incorporate hundreds of equations. Financial planning models support the ...
Views: 1176 - A HIGHLIGHT ON OTHER FUNCTIONS OF FINANCIAL MARKETS AND INSTITUTIONS BY RIDDHI SIDDHI MULTI SERVICES - by Submitted on Sep 09, 2017 from Riddhi Siddhi Multi ServicesFinancial markets and institutions provide financing for business. They also contribute in many other ways to our individual well-being and the smooth functioning of the economy. Here are some examples The Payment Mechanism Think how inconvenient life would be if you had to pay for every ...
Views: 928 - How to create a workable Investing Checklist that makes you a Successful Investor? - by Submitted on Sep 09, 2017 from Holistic Investment PlannersWhat happens when you think about investing? At one side, there is a flash news about how market is doing every minute. A chart or report to look into the other side. ‘Did you know the latest hot investment news?’ a suggestion or an advice or some shocking info from many sides. Isn’t it ...
Views: 497 - All you wanted to know about dematerialized insurance policies - by Submitted on Sep 08, 2017 from Holistic Investment PlannersDematerialized Insurance Policies: On September 16, 2013, our honorable finance minister P.Chidambaram launched IRDA’s insurance repository system (IRS).This system will insure green initiative, transparency in all the insurance related work and lower management cost for the insurers. It will ...
Views: 554 - Can I Qualify for a Business Loan in Bangalore - by Submitted on Sep 08, 2017 from Riddhi Siddhi Multi ServicesWhether you are applying for an SBA loan or a traditional bank loan, there are certain factors that improve your ability to obtain financing. This guide is drafted to help you in understanding important issues that financers consider when making a decision on a small business loan in Bangalore. ...
Views: 1159 - 5 Common Financial Planning Mistakes to Avoid - by Submitted on Sep 07, 2017 from Holistic Investment PlannersFinancial Planning is a process which helps an individual to find out the shortest route between where you are and where you want to go financially. During this journey towards your financial destiny, there are some common mistakes which can off track you. Avoiding these mistakes will make the ...
Views: 658 - Understanding bank Business Before Taking Business Loan in Pune - by Submitted on Sep 07, 2017 from Riddhi Siddhi Multi ServicesYour bank is also a business Your business needs to make a profit, so does a bank. When you approach a bank for financial assistance, you are asking the bank to go into business with you. While applying for a business loan in Pune, you want a bank to consider your business plan and agree to your ...
Views: 853 - Alternative credit scoring: The game changer - by Submitted on Sep 10, 2017 from Riddhi Siddhi Multi ServicesRiddhi Siddhi Multi Services Initiative: All data is credit data. This mantra is increasingly being followed by lenders to use nontraditional sources of data—many of them not directly related to money—to augment their traditional underwriting mechanism. These nontraditional sources of data, ...
Views: 1126 - Terms you come across while taking a Mortgage Loan in Mumbai - by Submitted on Sep 06, 2017 from Riddhi Siddhi Multi ServicesThe following mortgage terms can be helpful in understanding the mortgage loan in Mumbai better. You can always seek consultation of our financial expert at Riddhi Siddhi Multi Service in case of any financial query Liabilities: Your debts and other financial obligations. Lien: A claim or ...
Views: 961 - Why Company provided Group health insurance is not sufficient? - by Submitted on Sep 06, 2017 from Holistic Investment PlannersWhen we come to this life – parent provide a cover from unseen dangers. A tree –provides a cover from wind and water. Whereas water protects us, further from fire. Therefore, by the law of nature somewhere, someone is always protecting other. Many employers today, offer a group medical ...
Views: 506 - The Ugly Truth about paying only Minimum Balance on your Credit Card Bill - by Submitted on Sep 01, 2017 from Holistic Investment PlannersDo you pay only the minimum amount due on your credit card bill? Will this lead you to a vicious cycle of debt trap? Paying the Minimum Balance in Credit Card is an unintelligent financial decision. Why it is so? Why you should pay 18% interest when personal loan at 13% or gold loans are ...
Views: 527 - A Checklist for closing your Home Loan - by Submitted on Aug 30, 2017 from Holistic Investment PlannersAs someone has said somewhere that Home is the biggest assets for a person, but also it is his/her biggest liability. Whenever, someone has been able to close his/her loan account s/he feels very relieved and also happy. Now the home is his/ her own. Owning a house free of debt is one of the ...
Views: 589 - How do I increase the credit limit on my credit card? - by Submitted on Aug 29, 2017 from Puneet SharmaThe increased credit limit on a credit card is immensely beneficial for card users. If you can do so, you will have more availability of credit to work with. Your card issuer can give you higher credit limit than you may know. This can have a great impact on your credit score as you may lower ...
Views: 770 - How to savemore tax by Creating a HUF? - by Submitted on Aug 26, 2017 from Holistic Investment PlannersOnce, our venerable Finance Minister, Mr. M Chidambaram, has said, “Left to God, even he will not like to pay Income Tax”. Though as a responsible citizen of our country, we should pay our income taxes on time and should not avoid paying it. However, if the Income Tax Act, 1961 provides ...
Views: 549 - What You Can and Cannot Find Using the Personal Loan Calculator - by Submitted on Aug 24, 2017 from Puneet SharmaPersonal loans offered by banks and NBFCs in India allow you to fulfill your needs when in a financial crunch or emergency such as medical exigency, wedding of a son/daughter, child’s education, home renovation or any other expenditure. It helps people overcome a temporary shortfall in funds ...
Views: 747 - How to bequeath wealth to our legal heirs using nomination, joint accounts and will? - by Submitted on Aug 23, 2017 from Holistic Investment PlannersWriting and Registering a Will is the best Option The best way to pass on one’s wealth after death is to write and register a Will in favour of those persons whom one would like to get the estate. Also Have Joint Accounts However, other than writing and registering a Will, there are other ...
Views: 533 - How to bequeath wealth to our legal heirs using nomination, joint accounts and will? - by Submitted on Aug 23, 2017 from Holistic Investment PlannersWriting and Registering a Will is the best Option The best way to pass on one’s wealth after death is to write and register a Will in favour of those persons whom one would like to get the estate. Also Have Joint Accounts However, other than writing and registering a Will, there are other ...
Views: 477 - Difference between RTGS code and IFSC Code - by Submitted on Aug 22, 2017 from Puneet SharmaNEFT and RTGS are the two most important electronic payment settlement mechanisms in India. It is necessary for all individuals to have a clear understanding about the difference between RTGS code and IFSC code. Knowing this difference is also important for those individuals who need to perform ...
Views: 4843 - Why is it Important to Check Your CIBIL Report? - by Submitted on Aug 21, 2017 from Puneet SharmaAs kids, we were always worried about our academic reports that illustrated our performance at school and college. Things have not changed even today with report cards being replaced by CIBIL reports and these reports also have the same effect on us. For the uninitiated, a CIBIL report ...
Views: 888 - 5 Golden Rules to get the maximum out of your Credit card - by Submitted on Aug 21, 2017 from Holistic Investment PlannersDo you know, a recent study in India says that people in the income group of Rs3, 00, 000 p.a. and below the age of 35 have between on an average 3 to 4 credit cards, between 35 and 40 years 3 credit cards, between 41 and 50 years 1 to 2 credit cards, and above 51 1 credit card. It also says ...
Views: 675 - How will RBI slashing REPO rates will boost housing sales - by Submitted on Aug 18, 2017 from Credit MantriOwning a house is the ultimate goal for most Indians, most of us spend a good part of our lifetime in fulfillment of this dream. The ever-increasing land rates too had made it close to impossible for the commoner especially in urban areas to opt for ahome loan. This is all expected to change ...
Views: 646 - 3 Successful Strategies to Rebalance your Portfolio - by Submitted on Aug 18, 2017 from Holistic Investment Planners“I get reminded of previous generation mom when someone advises me to rebalance my investment portfolio. I feel like my mom telling me to take oil bath on all Fridays. When everything is going fine, why I should rebalance my portfolio?” one of my client asked me with a smile in his face. I ...
Views: 508 - 7 shabby situations when you shouldn’t use your credit card - by Submitted on Aug 16, 2017 from Holistic Investment Planners“Life just seems to be getting simpler by the day,” remarked 22 year Swati, a software developer with a leading MNC. She was referring to the convenience provided by modern-day living aids like plastic money, online shopping, e-payments, deferred payments and the like. “Really?” quipped her ...
Views: 573 - 7 Secrets of Investing the Warren Buffett way - by Submitted on Aug 14, 2017 from Holistic Investment PlannersHuman beings always have a natural tendency to follow the crowd, but when it comes to share market investing, following the crowd can more often result in ending up with losses. Why do you copy the mediocrity of the masses when you can replicate the success of the World’s Greatest ...
Views: 987 - Creating a Family Budget (That You'll Actually Stick To) - by Submitted on Aug 09, 2017 from Jeremy SutterCreating a budget for your family is one of the most helpful things you can do to organize your personal finances. Visualizing and writing down where your money goes every month can help you identify areas you want to improve or cut back on. As important as it is to create some sort of budget, ...
Views: 1449 - 7 Strategies for Frugal Living - by Submitted on Aug 07, 2017 from Rachael MurpheyFrugality is one of the easiest ways to stay afloat financially. Those who spend more than they make each month will never get out of the paycheck-to-paycheck lifestyle. Building wealth requires spending less than you take in over time, and keeping frugal with your money is one way to ensure ...
Views: 1221 - How Much Can I Make Investing in Real Estate - by Submitted on Aug 07, 2017 from Rachael MurpheyAccording to financial blogger Brandon Turner, real estate has been far and away the vehicle of choice to propel people into millionaire status. But how exactly do you make money in real estate? First, you must decide: What Type of Investing Do I Want to Do? One of the most obvious ...
Views: 1523 - Four Tips to Help You Save Money While Shopping Online - by Submitted on Aug 02, 2017 from Emma MiahOnline shopping is a great source of convenience and comfort. People don’t have enough time to surf shops in a mall and reach out for their desired items. Nowadays, people love to shop online as all they have to do is order the required product through online channel and that’s ...
Views: 1048 - How to Balance a Real Estate Portfolio - by Submitted on Jul 28, 2017 from Rachael MurpheyEvery successful real estate investor will tell you that the key to a profitable portfolio is a keeping it balanced. Spreading your real estate holdings among several different sectors mitigates risk and increases your passive income. Many investing experts recommend a strategy that combines a ...
Views: 1355 - 8 Common mistakes while filing your tax returns and how to avoid them? - by Submitted on Jul 27, 2017 from Credit MantriIt’s the time of the year when the words Income Tax Returns are on everyone’s minds. That’s right it’s time to file your tax returns. This article details about the common mistakes made by tax payers in their filings and how to avoid it. 1. Selecting the right ITR form There 7 types of forms ...
Views: 714 - Will Ethereum Pass Bitcoin in 2018? - by Submitted on Jul 20, 2017 from Mahendra CBitcoin vs Ethereum Can End One of Two Ways The funny thing about technology is that you never quite know where it leads. I’m sure that Satoshi Nakamoto (the mysterious founder of Bitcoin) had no idea what his creation would spawn, much less that it would one day be threatened by another ...
Views: 1270 - Go Green with SBI Green Home Loans - by Submitted on Jul 12, 2017 from Credit MantriAs the world is grappling with global warming and climate change, there is a growing sense to conserve energy and protect the environment. Countries around the world are now turning to environment-friendly alternatives. A holistic look at construction and the way we live brings us to the concept ...
Views: 652 - Adventure Calls: How To Find A Vehicle That Can Keep Up With You - by Submitted on Jul 10, 2017 from Brooke ChaplanSome cars and SUVs are designed with pure luxury in mind, and these sophisticated models may look great driving down the road in an urban setting. Other cars are budget-minded, and they give their owners a cost-effective and rather basic driving experience. However, these two types of vehicles ...
Views: 1086 - Stress Less, with Steps to Keeping Your Financial House in Order And Money Mindsets to Avoid - by Submitted on Oct 13, 2017 from Leon EdwardThese cash frame of minds can keep you from having a healthy relationship with your loan. Fortunately? These are practices that can be modified. There are numerous habits you must be conscious of in yourself if you're prepared to change your money state of mind. - Here and now. This is ...
Views: 1506 - Can you get short term loans no credit check in the UK? - by Submitted on Feb 09, 2018 from Maria SmithMany people who have bad credit history look for short term loans no credit check on the internet. Of course there are dozens of lenders advertising such loans, but beware they could be loan sharks. However, the legitimate lenders who advertise such loans actually mean that they go soft on the ...
Views: 868 - Why These Two Companies Dominated the Marijuana Stock Market - by Submitted on Jul 04, 2017 from Mahendra CThese Two Marijuana Stock Market Picks Soared Last Week This year has been an up-and-down time for marijuana stocks so far, with strong gains offset by blistering falls, all this often happening within 30 days of each other. But that’s the nature of the current marijuana stock market, and ...
Views: 736 - Personal loan for travel - by Submitted on Jun 28, 2017 from Credit MantriA personal loan is generally an unsecured loan—meaning no collateral or guarantor is required to obtain it. As the name suggests, it is a loan taken by an individual to fund any personal expenses like, for example, a wedding, to remodel the home or even for a luxurious vacation. Many people ...
Views: 872 - 5 Important things You Should Know About Internet Banking - by Submitted on Jun 22, 2017 from Emma MiahThe banking is evolving and it is becoming more convenient. Getting things like Halifax Banking Number have made banking easier. The popularity of internet banking is increasing as it is fast and convenient. It allows you to make payments without leaving the comfort of the home. There are a lot ...
Views: 925 - 5 things you can do to improve your credit score - by Submitted on Jun 29, 2017 from Credit MantriHere are 5 things you can do to improve your credit score—benefit from the information given here and become creditworthy! First things first—what is a credit score? A credit score is a 3-digit number which ranges from 300-900, 900 being the best score. This number is computed by an ...
Views: 919 - The Consequences of Rising Rates: How a Higher Interest Rate Affects You - by Submitted on Jun 19, 2017 from Darin NamkenThe Federal Reserve Bank recently nudged interest rates higher, increasing the federal funds rate to a range of 0.75 percent to 1 percent. The boost to the Fed’s benchmark interest rate wasn’t unexpected, and officials have indicated there are more increases to come. After providing stimulus ...
Views: 2217 - How Do You Know Whether or Not It's Appropriate to File Bankruptcy? - by Submitted on Jun 16, 2017 from Hannah WhittenlyBankruptcy can be a traumatic subject for many people. Not only can it mean forfeiting some of your hard-earned assets, but it can seem like an embarrassing admission of failure. There are times when personal or career setbacks limit your cash flow and make it impossible to keep up payments. ...
Views: 740 - Top Usage of Gold in Various Industries - by Submitted on Jun 13, 2017 from akhilash PGold Selling in Bangalore and buyers of gold in Bangalore are increasing at the higher pace these days. In this situation, there is a need of gold buying company in Bangalore who can buy and sell gold simultaneously. Gold is one of the expensive & useful metals among all metals mined from the ...
Views: 1793 - Tips to Save Money on Groceries - by Submitted on Jun 05, 2017 from James HarnsbergerGroceries rack up a big part of your salary. In a lot of cases, food is the third highest expense in every household, following mortgage and utilities. According to the United States Department of Agriculture, a family of four spends an average of $930 in food alone. Then you have to add other ...
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