'Revolving credit without full repayment causes interest to outpace repayment capacity, and leads to financial distress.'
Here are some golden nuggets when it comes to creating wealth. Read them and if you find yourself saying, 'This everybody knows', cross your heart and ask yourself how many times you have forgotten these simple rules, says P V Subramanyam.
Fraudsters read your mind, weave convincing stories, earn your trust and then vanish with people's savings. Ramalingam Kalirajan reveals five simple tricks that cons use to steal money from you.
Union minister Nitin Gadkari on Monday asked the industry not to perennially demand a reduction in taxes as the government needs funds to implement welfare schemes for the poor. Addressing an event, the road transport and highways minister said the logistics cost in India will come down to 9 per cent within two years.
Wouldn't it be better to reach 45 with a backup engine of passive income that helps you glide through these years instead of grinding, asks Ramalingam Kalirajan
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
'We see mid-and small-caps as a real pot of gold.' 'From a 10-15 years perspective, mid-and small-cap are likely to outperform the larger index, as they have done in the past.'
At a time when banks are finding it challenging to mobilise resources, State Bank of India (SBI)-the country's largest lender-has devised a three-pronged strategy to boost deposit accretion. First is an aspirational product that promises to make depositors lakhpatis by helping them grow their deposits to Rs 1 lakh through recurring deposit (RD) schemes.
Tax evaders, BEWARE! The Income Tax department is using AI data analytics to bust fake deductions, flag HRA fraud, and trace digital footprints.
Buying makes sense for those planning to stay in a city for at least 7 to 10 years. Financial preparedness is crucial.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
'The rise in SIP contributions has created a pool of long-term MF assets that can be pledged for loans.'
Have you ever wondered why some people seem to achieve extraordinary wealth while others struggle to make their money work for them? The secret isn't luck -- it's strategy, says Ramalingam Kalirajan
Despite the evolution of cinema toward more refined expressions and aesthetics today, the exaggerated comedic style of Andaz Apna Apna remains endearing and entertaining, reminding us that sometimes, we just need a dose of mindless comedy to unwind, feels Shristi Sahoo.
'You think: Did I fail the people I had to let go? Did I promise something I couldn't deliver? That day (when we had to sack 70 people) will stay with me.'
'More investors now view the stock market as a valuable opportunity, though many still seek quick gains, leading to a rise in futures and options trading.'
Indian billionaires saw their combined fortunes more than double during the COVID-19 pandemic, and their count shot up by 39 per cent to 142, while the wealth of the ten richest is enough to fund school and higher education of children in the country for 25 years, a new study showed on Monday. In its annual inequality survey released on the first day of the World Economic Forum's online Davos Agenda summit, Oxfam India further said that an additional one per cent tax on the richest 10 per cent can provide the country with nearly 17.7 lakh extra oxygen cylinders, while a similar wealth tax on the 98 richest billionaire families would finance Ayushman Bharat, the world's largest health insurance scheme, for more than seven years. The COVID-19 pandemic saw a huge rush for oxygen cylinders and insurance claims during the second wave last year.
'If you invest in a rush at the last moment, you could compromise on selecting the best tax-saving options.'
'From March 2020 to November 2021, the combined wealth of the billionaires of this country has doubled.'
The former Congress chief accused Modi of 'diverting public attention' through various means.
The meltdown in Dalal Street that wiped out investor wealth to the tune of 44 trillion in 2025 also seems to be having a ripple effect on the country's vibrant automobile retail sales.
'My advice: Don't mark your portfolio to market every day. Focus on survival.'
The secret to building Rs 5 crore corpus lies in one simple decision. But the longer you wait, the more it costs you -- not just in money but in missed opportunities, says Ramalingam Kalirajan
What does this mean for you? Ramalingam Kalirajan explains.
If as critics point out, the environmental impact assessment study was commissioned only after the auction process got underway with not all the stakeholders getting to know of it, then the government has already compromised the trust it could have enjoyed with Kerala's public including its coastal communities, points out Shyam G Menon.
'Reduce your equity allocation, put that allocation into gold and fixed income.'
'When honest, wealthy people come forward to serve India, people should feel proud and welcome them.'
Here's how to own your dream home without paying excessive interest on your EMIs.
'Consider 40% to 50% in equities, 10% in gold as a hedge, and the remaining 30% to 40% split between multi-asset funds and hybrid funds.'
Industrialist Gautam Adani slipped out of the World' Real-time Billionaires list of Forbes on Friday and was placed in 22nd position. Gautam Adani's wealth had declined 21.77 per cent or $16.2 billion. The current net worth of the industrialist was $581.1 billion at 1.23 pm (IST) on Friday afternoon, while Reliance Industries Mukesh Ambani's net worth was at $82 billion.
Isn't the goal of retirement planning to create a balanced portfolio that aligns with your financial goals, rather than chasing returns blindly, asks Ramalingam Kalirajan
'The customer is fast changing, and she demands newer experiences that wealth can buy.'
Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.
Many senior citizens 'underestimate the impact of inflation, taxation, health-related expenses, and the heavy premium they will have to pay on health insurance.'
In a letter to the Mysuru Urban Development Authority commissioner she said she was allotted the 14 alternative sites in the third and fourth phase of Vijayanagar in Mysuru against the usage of her three acres and 16 Guntas of land in Kesare village under Kasaba Hobli in Mysuru.
'A 10 to 15 per cent allocation to gold in portfolios reduces risk without compromising on potential returns.'
Gandhi said farmers asked him during his Bharat Jodo and Bharat Jodo Nyay yatras about why they were not getting the benefit of loan waivers like billionaire industrialists or MSP (minimum support price) for farm produce.
A retirement fund can be helpful for all age groups, but ideally one should start investing early to beat market swings and gain from compounding.
An allocation to ESG theme funds can bring down the overall risk of an equity portfolio. Investors with long-term financial goals, such as retirement, should not ignore sustainable investing.
'BJP and RSS may have differences over minor issues but their hearts long for one common aim -- that of A Hindu Rashtra.' 'And this time to prove this point the RSS has prepared to help BJP win this election with all its might.'
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