Housing Loan is a long term commitment. Even if you go by an average tenure of 8 years, still housing loan can impact your finances if your choice is wrong. Let me be very honest and candid on reviews of home loan providers. You will not find consensus good reviews about any of the Housing Loan providers. At the same time, it is a personal experience and depend on a lot of factors. I shared pre home loan review of top 5. Now you must be wondering, how to finalize a housing loan provider. I suggest you go through the "Home Loan" section on this blog. Through various posts, i have shared the ... Read More
High Profit Margin Business ideas for Premium Pricing
All the budding entrepreneurs would like to start a high profit margin business. The first query of readers who consult me is that they will prefer a business with high profit margin :). Let me clarify that margins depends on the nature and type of the business. Highly competitive businesses command a premium only on the basis of a brand value. At the macro level, i observed Japanese brands command a premium like Sony, Toyota, Honda etc. A premium pricing means high profit margin. On a lighter note, even a premium Chinese brand cannot command a premium in India :). Chinese goods symbolize with ... Read More
Mortgaged Property – How to Resolve Husband Wife Dispute
Mortgaged Property is the biggest casualty of a dispute between husband and wife. Normally, i don't write on controversial subjects. Every month, i receive large no of queries on Mortgaged Property with a dispute between husband and wife. With every passing month, these queries are increasing. Though i am not a lawyer but readers consult how to resolve the dispute on mortgaged property. I don't want to get into nitty gritty of the case but trust me it is a huge financial loss to both the parties. There can be multiple scenarios, permutation, and combinations. It is not possible to cover all ... Read More
Stock Market Crash – The Pain is NOT YET OVER
Yesterday's stock market crash is the beginning of series of crashes as we observed in 2008. Once the FEAR grips the market then Stock Market Crash is inevitable. There is 360-degree selling. The market has convincingly broken the psychological level of 7000. There was simply NO attempt of recovery. From quite long, i am cautioning readers of this blog to EXIT the Market. Some brave hearts are still hopeful. Current P/E levels are 18.75 and it is still expensive considering the poor corporate results. The FII's are emptying their bucket and they are in a quite hurry to do so. The inflows to ... Read More
Offline Business – Five Points to Consider before you Start
There are two types of businesses i.e. offline business and online business. Recently i observed that online business is diversifying into offline business. The recent entrant into offline business is YepMe and launched their first physical store. The other prominent names are FirstCry, PepperFry, Lenskart etc. It is quite an interesting development and logistics can be one of the reasons for this move. Another reason i can think of is to hedge the risk. The e-commerce business is burning huge cash in terms of discount. The big names cannot continue with this strategy forever. With each ... Read More
Small Business – Top 5 Ideas that can NEVER FAIL
Recently, one of my friends asked, i would like to start a small business that should not FAIL. I told him that though no one can guarantee the success. Still i gave him some ideas on small business, i will be sharing in this post. It is based on my personal observation and study. The background is that this friend of mine lost a job recently and was looking out for a new job. In my post on how to handle job loss, i shared some of the tips on this situation. At the end of the day, he cannot wait for long. There are not many available jobs in the market. There was another news on the web ... Read More
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