Today I am flying to India. I am very excited and looking forward to visiting what is my second home now. As the long flight from US started very early this morning, a few thoughts on personal finance hovered around my mind. Before the flight takes off, there are a number of events that take […]
Take off to the aerial view Read More »
I talked a lot about budgeting, saving and investing money in the earlier posts. Budget – Grow the tree upside-down One essential comfort zone Investing in the High Five portfolio However a fact of life is no matter how hard you try, there will be big purchases. Some of them will be needs, while others
How to decide on a purchase – the P.V.T formula Read More »
Everyone does financial mistakes, some large some small. The personal finance industry is designed to chase you for your money, for obvious reasons. The people working in this industry has to make a living and profit. Nothing wrong with it, however there are some unscrupulous greedy professionals and companies who will siphon off your money
If you are just starting off with organizing your personal finance, or restarting from scratch, here is a step by step way to get started. Most of the times, we get started haphazardly, the first account in the local bank or the ad-hoc insurance policy or even the next stock tip forces us to open
How are emotions and investments linked? Or should they? The two are actually intricately linked in our financial lives. Emotions define investments, and investments define emotions. For example, most people who invest in stocks buy the next stock based on hot tips, be it from the last night party or the media channels doling out
Emotional Investing Read More »
One of the lessons we learn in our early childhood is to be perfect in whatever we do. We were told if you are not perfect, you will not be able to compete in the real world. While it may be true for some disciplines like music, medicine and mathematics (the only subject in our
Shun that perfection Read More »
There is one cushion or comfort zone that you don’t want to get out of. Everyone knows the importance of saving that cash. No I am not saying investing but just plain boring savings in a savings account. Sometimes this is done as a byproduct of spending less in a month, which means there is
One essential comfort zone Read More »
What does investing mean to most people? Investing can be as complex or as simple as one wants to make it. There are many theories for constructing a portfolio and it is not easy to ascertain which would work for one’s financial situation. Some common ones which are taught by most financial advisers are as
Investing in the High Five portfolio Read More »
Many people cringe at the thought of a budget. Budgeting sounds like nit-picking about finance and a lot of work to keep tabs on expenses, planning etc. It sounds highly restrictive in the traditional sense. However there are ways to simplify it and make it automated, so that once you set it up correctly it
Budget – Grow the tree upside-down Read More »
Refinancing an existing mortgage is a major decision and there are many factors that you take into account, to ensure that you benefit in the long term. I recently refinanced my mortgage from a 30 year 7/1 ARM to a 30 year fixed rate. One of the straightforward reasons of refinancing is when you are
Don’t twist your ARM, fix it !!! Read More »
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