Articles by Ramalingam K

Financial Resolutions to keep in 2012

Ramalingam K 05 January 2012 at 13:19

As we are coming to an end of 2011, this is the time to reflect on the year gone by and the time to look forward for the New Year. You may use this chance to review your financial scorecard for the last year and need to make necessary changes and cr

How to get out and stay out of debt?

Ramalingam K 23 December 2011 at 12:23

In spite of steady, regular income there are so many individuals who live paycheque to paycheque, carry their credit card outstanding, and fail to save anything for retirement. If you are one of them, now is the right time to take action to come out

Do's and Don'ts in the Stock Market

Ramalingam K 12 December 2011 at 11:51

Lets introduce dos and donts of investing: Most of us have our own perception of investment based on our experiences, but also tend to be confused with the opinions given by others. Knowing the dos and donts of t

Unusual Gifts

Ramalingam K 08 December 2011 at 13:09

Sweets, crackers, gold coins, and jewels are the items which come to our mind when we think about Diwali gifts. Let me unbundle some unusual gift ideas for this Diwali here. Gift ideas for children: Piggy bank: This may not be a great idea

6 Financial Planning Misconceptions Demystified

Ramalingam K 02 December 2011 at 11:16

Lets start the useful exercise: Finance may mean different things for different people. Some assume that they need no financial planning as they have very little finances. Still others believe that once they have invested their savings for f

How to save more by spending smarter?

Ramalingam K 29 November 2011 at 13:52

The willingness and the ability to save money is the secret of building wealth. So as to save money, you need to spend less than you actually earn. Though it looks very simple when you say, it is really difficult to implement. There are plenty of wa

All you wanted to know about Company Deposits

Ramalingam K 19 November 2011 at 12:21

Company Deposits are simply nothing but fixed deposits in companies that earn a fixed rate of return over a period of time. Company deposits are really down-to-earth products. The influential advantage of the company deposits is its plain simplicity

Do You Do Your Regular Financial Check-ups?

Ramalingam K 18 November 2011 at 12:29

Just start the financial check-up: Noel Whittaker said, Life is full of uncertainties. Future investment earnings and interest and inflation rates are not known to anybody. However, I can guarantee you one thing.. those who put an investm

All you wanted to know about Mutual fund ELSS

Ramalingam K 17 November 2011 at 15:05

There are so many tax saving investment options; how Mutual fund ELSS Schemes stand out from all other options? A Mutual Fund ELSS is similar to diversified equity funds. That means the fund manager can invest in shares of various companies across

Mutual Fund SIP: for Short term or Long term?

Ramalingam K 14 November 2011 at 12:34

It may look very strange when everyone is advocating Mutual Fund Sip for long term, what is the necessity for this debate on Is Mutual Fund SIP for Short term or long term?. Theoretically doing a Mutual fund SIP for long term will wo