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
Low Interest Rate Period – Five Tips To Generate Additional Returns
The low interest rate period is basically a bad news for the conservative investors. At the same time, it is good news for borrowers. The concept of assured or fixed interest rate is a thing of past (taken for granted). In past, the investors posed their faith in small savings scheme with an assumption to earn relatively higher and assured interest rate. In other words, the interest rates were immune to fluctuations of interest rate cycle. The Small Savings Scheme interest rates remained untouched in past due to populist measures. But with the focus on economic growth, it is imperative to ... Read More
How To Get Short Term Loan At Zero Percent Interest Rate
Short Term Loan is very common in the western world. These are popularly known as payday loans. Though both are technically not the same. The reason I referred both of them is that borrower pay or clear the same once he/she receives next salary. In banking parlance, a loan of up to 1-year tenure is referred as short term loan. You can also refer it as a cash advance. "What's in a name?" if you need a loan for short term max up to 52 days at zero percent interest rate then this post is for you. Even in 80's and 90's, the concept of the short term loan was popular but those days, the common ... Read More
Five Reasons To Assess Health Insurance Requirement Regularly
Normally financial planners suggest health insurance requirement based on thumb rules. I do agree that the answer is bit subjective. However, i personally feel that you are the best judge to assess your health insurance requirement from time to time. Typically, we have a tendency to think that nothing bad/unexpected can happen to us. In other terms, only when we are in dire need of health insurance, do we realize the importance of having one. Let's check out 5 reasons why it is important to assess health insurance requirement at regular intervals. 5 Reasons Why You Should Assess Health ... Read More
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