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What is your ‘Plan Z’ ?

We all have a plan ‘A’ for life, and maybe even a plan ‘B’. But knowing what your “Plan Z”, or last resort option, can help motivate you to go after what you really want from life. Visualizing the negatives gives you a stronger appreciation for what you already have, such as loved ones, good…

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Are you prepared ?

Significant Future Income Increases is Unlikely. Get the most for your money. Accumulate few small savings over an extended period of time. Implementing this approach does not require you to sacrifice a particular activity or your quality of life, but it can maximize the cost-benefit of each.   More importantly, it gives you greater piece…

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Lambi innings ki taiyari

Retirement planning is one of the most important goals in the life of an individual. Typically, individuals prepare during their 30 years of working age acquiring knowledge, skill and sufficient income in order to live a good life post-retirement. The post-retirement life is expected to be as long, with increase in life expectancy and hence…

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What are ‘Value Stocks’

Definition : The shares trading below their intrinsic value are considered value stocks and can be considered good investments. Investment Guru Benjamin Graham and Warren Buffett pioneered this concept. Value stocks may not be confused with penny stocks which trade at below par prices. Explanation : A value investor seeks under valued stocks ie stocks…

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What is STT

Definition : Securities Transaction Tax (STT) refers to the tax levied on transaction (purchase or sale) of securities listed on the Indian stock exchanges. Such securities include equity shares, derivatives and equity-oriented mutual fund units. The rate is specified by the Central Government from time to time. STT is not applicable for any off-market transactions.…

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Hire a Teacher, Not a Salesperson

A true investing pro knows you’re in charge of your own money and treats you like a partner, not a transaction. Choose an advisor who’s smarter than you but doesn’t act like it. An advisor should explain every detail in plain English / language until you get it – no matter how long it takes…

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Life after Debt Free

It’s been a long time since I’ve been debt free, but I can still remember exactly what it felt like. I can picture all the uncomfortable  details of the way I used to struggle; the empty bank account, the awkward moments, the feelings of despair…. And honestly, one particularly awkward conversations and phone call with…