Have you ever tried to under the mathematics behind No cost EMI schemes? As I see, the schemes are quite popular on e-commerce websites such as Flipkart and Amazon. Do you know RBI prohibits banks … [Read More...] about How No-cost EMI schemes from Amazon and Flipkart work?
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Whenever I deride an insurance and investment combo plan, I get many queries about how to invest for your kids’ education. When you are planning for kids’ education, your biggest concerns are: … [Read More...] about How (not) to invest for Children’s education?
Senior citizens are soft-targets for mis-selling. Why? First, they may not be comfortable researching the financial products or may not have requisite skill/ resources to understand the product … [Read More...] about 5 reasons why Senior Citizens should avoid Life Insurance Products
Senior Citizens or retired personnel face many constraints that people in their 20s and 30s can’t even imagine. They have no salary to bank upon. They have to rely on their savings and pension to meet … [Read More...] about All you need to know about Reverse Mortgage Loan Scheme
Most term life insurance plans give you an option to add a critical illness rider to your base plan. You have to pay an additional premium to get coverage for critical illnesses. A few life insurance … [Read More...] about Review: SBI Life Poorna Suraksha: A Term Plan with increasing Critical Illness Cover
Long Term Capital gains on sale on debt mutual fund units are taxed at 20% after indexation. That is primarily the reason why many investors choose to invest money in debt mutual funds if the … [Read More...] about How a low growth in CII can affect your post-tax returns and investment choices?
Karthik (51) lives in Mumbai with his wife (Devani, 43) and two kids (Harsh, 12 and Ritika, 5). He realized the importance of adequate health cover a few years back and purchased a family floater of … [Read More...] about Use this smart Health Insurance Strategy to get higher cover at a low premium
SEBI mandated rationalization and categorization of mutual fund schemes in October 2017. With this rule, all the existing mutual fund schemes had to fit in one of the categories specified by SEBI. … [Read More...] about How to calculate capital gains and returns? (After MF scheme mergers due to SEBI Categorization)
You are aware that it is difficult to get a loan if you have a poor credit score. Your credit score is a measure of your repayment ability. A poor credit score implies poor repayment ability/intent. … [Read More...] about 6 Loans you can get despite a low credit score
When we plan to take any loan, we usually try to shop for the lowest rate of interest. That is a good strategy since the interest forms the biggest component of cost for any loan. However, interest … [Read More...] about While finalizing a loan, do not just look at the interest rate