Recently one of the readers of this blog posted a query whether he should opt for ICICI Pru Heart/Cancer Protect Plan or not. You are probably aware that I only share reviews of products that are unique and beneficial to readers. More importantly, there should be some purpose behind the plan. Lastly, I evaluate based on whether I will buy the plan or not. After all, at the end of the day, we have to pay a premium for the same :). Now after reading the query, the first question that came to mind was, "Why do I need this plan when I already have health insurance plan?". My second thought was ... Read More
Is it a right time to switch to Short Term Debt Mutual Funds
Can I generate higher returns compared to traditional investment products without any risk? This was the query posed to me by one of the clients. The answer is definitely YES. At this stage, it is advisable to switch to Short Term Debt Mutual Funds. Now you must be wondering why? I will answer it in this post with proper justification. Before I proceed, It is important to know the impact of interest rate movement on the performance of Long term debt funds and Short Term Debt Mutual Funds. I explained it in detail in my post, why you should buy long term debt funds? The conclusion was that ... Read More
GST or Goods and Services Tax – In Simple and Easy To Understand Language
GST is touted as one of the biggest tax reforms of independent India. In my opinion, GST is in fact "The biggest tax reform". GST is 101st Constitutional Amendment Act. Before GST, the State and Centre Govt. were levying separate taxes i.e. taxation powers were demarcated. For example, Service Tax was levied by the Centre Govt. and the VAT was levied by the State Govt. The Goods and Services Tax allow State and Centre Govt. to levy the unified tax. All the state and Centre Govt. taxes like excise duty, VAT, Service Tax, entertainment tax, entry tax, sales tax etc are merged into one i.e. ... Read More
How to Generate Double Digit Returns from Your Investment Portfolio
As I keep highlighting in my posts that with each passing day, the investors are finding it difficult to generate double-digit returns from their investment portfolio. In my last post, I shared, Low-Interest Period - How to generate additional returns. After that, I received multiple queries from readers how to generate double-digit returns without substantial risk. Trust me 10% annual return is a psychological barrier for conservative investors. The reason being, long-term return on equity is just 12%. Also, note that returns % referred in this post are after tax. On the contrary, expecting a ... Read More
Personal Loan Eligibility – Five Golden Tips To Increase
Recently I received a query from one of the readers of my blog Mr. A regarding personal loan eligibility. He asked me that he is in an urgent need of money but the bank is not willing to lend the desired amount. As I shared in my other posts related to a loan that loan eligibility depends on multiple factors. There are 2 types of factors i.e. direct factors and indirect factors. Let's accept the fact that only direct factors are in the control of a borrower whereas for indirect factors you can't do much. Some readers asked me what these indirect factors are. One of the indirect factors is the ... Read More
How To Find Out The Details Of Your Income Tax Assessing Officer
Typically, i keep sharing posts related to most frequently asked queries on my blog. Today's post is dedicated to queries related to income tax assessing officer. Normally an income tax payer approaches his/her Income Tax Assessing Officer in the case of any clarification or error related to the tax filing/tax notice/ITR/TDS etc. Most of the times these situations arise when you are on income tax radar. Personally, I observed that taxpayer struggle to find out the details of his/her income tax assessing officer. Please note that if you would like to expedite your case then you should connect ... Read More
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