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money saving hacks for college students

11 of the BEST Money Saving Hacks for College Students

Interested in hacking your way through college? Or at least saving money in some very unique and very smart ways? Who isn’t! As a college student you need to be stretching your dollars as far as they can go. So you can put your money toward more important things…….like tuition. If you’re ready … Keep Reading...

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retirement fund needs

Investing Tip #153: Estimate Your Retirement Fund Needs

With rising longevity, plan for at least 25 years after retirement. Think of maintaining the pre- retirement standard of life that would be about three- fourth of pre-retirement annual expenses. Calculate the requirement of retirement corpus post tax and post inflation. This will help you determine how much money you should be stashing away each [...]

home and contents insurance

Does Your Home and Contents Insurance Cover Your Backyard?

When you take out insurance on your home and its contents it will normally say that you are covered for your dwelling. The question is what does that actually mean? The one thing you should always remembers is to check any insurance policy before you buy it; that way you can make sure that you’re [...]

utility stocks

Why the Street Hates Utility Stocks

Utilities are the classic defensive investment.  Generally slow growing, but high-yielding and inexpensive relative to earnings, utilities are the traditional dividend value stock. Now Wall Street seems to have turned on the utilities business.  Should you listen?   What Utilities Really Are An understanding of what utilities actually do really helps to explain why Wall [...]

pay tax on time

Investing Tip #152: Pay Tax on Time

Pay attention to your tax liabilities and avoid interest and penalties. Disclose all income earned from various sources. Save tax availing all admissible exemptions. Do proper tax planning. A rupee saved in tax is a rupee earned. If you want to learn more check out these resources: Top Tax Tips for Millennials How to Make [...]

stocks for retirement planning

Investing Tip #151: Stocks are More Desirable for Retirement Planning

DJIA and S&P 500 Indices beat inflation in the long run and provide higher returns. Stocks appreciate and stock dividends grow. Dividend growths give you some protection to your cash flows against inflation. While investing for your retirement fund, keep a mix of shares and cash equivalents. If you want to learn more check out [...]

bonds retirement planning

Investing Tip #150: Bonds are Not Efficient Instruments for Retirement Planning

Even though bonds have worked well over the long term does not ensure that they’re efficient for your retirement planning. Their nominal yield provides you less purchasing power due to inflation. Bond payouts are fixed. Post tax returns are even worse. If you want to learn more check out these resources: Buying Individual Bonds vs. [...]

personal finance momentum

Building Momentum in Personal Finance

Improving your personal finances is all about building momentum.  Whether you’ve thought about it or not, momentum is what drives financial success.  Just like like anything in life, taking the first steps are the hardest – whether it is paying off debt, building an emergency fund, or even starting to save for retirement.  You start, [...]


Investing Tip #149: Invest in Companies with High RoE

Return on Capital (RoE) is profit after tax, expressed as a percentage of the shareholders’ funds. It tells you how efficiently the company uses shareholders’ money and how much it earns with that money. Invest in the company that provides consistently high returns on the invested money. If you want to learn more check out these resources: Average [...]

economic forecasts

Investing Tip #148: Beware of the Lure & Folly of Forecasting!

Economic forecasts have fascinated and puzzled investors, traders and even analysts. Forecasting about an economy or market direction is like a shot in the dark and may go wrong. Don’t take them too seriously. What Do You Tell the Successful Stock Picker? Could a Monkey Beat Your Portfolio?

Secret Student Loan Forgiveness

Secret Ways To Get Student Loan Forgiveness

It’s estimated that roughly 50% of student loan borrowers qualify for some type of student loan forgiveness program.  But this statistic is misleading, because a lot of borrowers think this means qualifying for some type of student loan forgiveness program.  That’s wrong. Actually, most borrowers qualify for student loan forgiveness through one of these “secret” [...]