Newton’s law of inertia works. To refresh your memories, it says, Every body persists in its state of being at rest or of moving uniformly straight forward, except insofar as it is compelled to change its state by force impressed…
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Ranjan Varma's Blog
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Posted in Financial Awareness, Financial Behaviour
How To Beat Australia: Theory v/s Practice
The TOI has a headline on what the Indian cricket team needs to do to dethrone Australia. The advice is as follows: 1. Get Openers (Watson and Haddin) early. 2. Bye bye Ponting. 3. Handle Batting powerplay wisely. 4. Attack…
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Posted in Financial Awareness
Pictures Are Worth Thousand Words
Hemant Beniwal has 5 well researched images on TFL, that lucidly explains the basic and critical questions in personal finance. Check 5 Important Charts that you must understand. Another admirer of the above post, Madhupam said it succinctly: ……the simplest…
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What is Debt and Equity
When we talk about asset allocation and selecting financial products, we also need to understand the difference between the two broad classification of financial products: Debt and Equity. (Note: This is a very basic concept and I talk about this…
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Posted in Financial Awareness, Rupee101
Pay Rs 2.5 Lakh, Get Back Rs 80K
I am sharing an anguished letter that explains how you can shave off 75% of your investments by giving in to pushy ULIP sellers! The idea of sharing the letter is that you don’t commit the same mistakes. We all…
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Opportunity Cost of Not Creating a Financial Plan
NetworkFP is a community of Financial Planners and provides resources for the Financial Advisors to make them more professional. Though the website is targeted at service providers and not service recievers, it has some useful resources for those who would…
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Posted in Financial Awareness
HDFC Charges 1% Penalty on Sweep-in/Premature withdrawals
A reader wanted the HDFC penalty to be shared on my blog. While there’s nothing illegal with the charge and Banks are at liberty to charge this, it’s important to be aware of these things. Moreover, if you happen to…
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Posted in Financial Awareness
