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Dividend, Growth Or Reinvestment Option? By: Artham Vidya
If you have ever invested in mutual funds you would have noticed, while filling out the application form that you are offered choices – dividend option or growth option.
What you opt for depends on what your goals are and whether you want an income from your investment or you are looking for capital appreciation. If you want some money, in return you can go in for the dividend option, but if you are looking for your capital to grow, then you can opt for the growth option.(read entire article)(posted on: 2014-05-19)
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Learn How To Avoid Excess Debt By: Artham Vidya
Prevention, they say, is better than a cure. We should all be far better off, if we took this axiom to heart and applied it to all facets of our lives, particularly with respect to our finances.
Getting into debt is the easiest thing in the world – but getting out of it becomes a difficult task. Why get into debt at all?
Debt is, in some ways, unavoidable, but we can prevent getting into too much debt. Here are some ways to avoid excessive debt:(read entire article)(posted on: 2014-05-19)
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When There Is A Will……. By: Artham Vidya
My great grandfather, on my mother's side, was a local zamindar of sorts and he left a load of property to be distributed among his heirs. His will was not very detailed and just indicated a rough intention of how all his wealth and real estate holdings were to be disposed off after his death.
My grandfather died young, without leaving a will and now all that property – worth several hundreds of crores and consisting of prime property – are being battled over by his heirs and descendants, which include my mother and us. The case has been dragging on for more than two decades now and meanwhile many of the original claimants have already died.(read entire article)(posted on: 2014-05-19)
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Dividend Yield Funds: Investing Strategies By: Artham Vidya
What kind of an investment strategy do Dividend Yield schemes follow?
Dividend yield schemes offer limited protection in falling market scenarios as such dividend paying stocks usually do not fall as much as the broader market. These schemes focus on the cash generated by the companies in which they invest business and this provides for stable returns even in volatile market conditions.
The dividend yield on a stock is inversely related to its price – that is, when the dividend yield (pay out) is high the lower is the price of the stock and the other way round. When the market goes up and stock prices are high, the dividend yield falls. On the other side, when markets are falling and stock prices are low, dividend yields rise. In either case, fund managers manage to make profits – in the first case from high prices and in the second case from higher yields.(read entire article)(posted on: 2014-05-19)
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If You Are A Start-up, Know Your Taxes By: Artham Vidya
If you are a start-up company (by which I mean if you have started a new venture), then you are likely to be so involved in getting it going and paying that you may well forget all the paperwork and taxes to be paid.
India is the land of bureaucratic procedures and red tape so there are various forms that have to be filled and tax payments to be made.(read entire article)(posted on: 2014-05-19)
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Five Reasons Why You Should Start Investing Early By: Artham Vidya
Most people – at least three-fourths of the population and this is applicable globally – do not start building their wealth when they are young. When I say young, I mean when you are in your early or mid-twenties and when you have just started on your career.
There are some rare individuals who do it and those are the people whom we point out and say that they are successful. You may become an entrepreneur at a late stage in your life and then win world renown but I am talking about building wealth very what you earn.(read entire article)(posted on: 2014-05-19)
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Switching Your Housing Loan: Some Tips By: Artham Vidya
For a while now, I have been toying with the idea of shifting my home loan to another bank or housing finance company. While the service is great, the interest rates have become pretty high.
I am on a floating rate scheme so if there are any changes in the rate, my bank loses no time in applying the new rates. Unfortunately, over the last few years, there have been a series of hikes (in interest rates) and now I am feeling the pinch of the higher interest.(read entire article)(posted on: 2014-05-19)
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What You Should Know About Reward Points On Credit Cards By: Artham Vidya
How Do these Reward Points Work?
Credit card issuing banks usually award you a point when you spend a certain amount of money with their card. This can vary from Rs 40 to Rs 100 depending on the bank (which issues the card) and where you buy it. This means that on every Rs 40 you spend, you get one reward point. So if you went on a shopping spree, spent Rs. 6000, and put all the payment on one credit card, you would have collected 150 reward points.(read entire article)(posted on: 2014-05-19)
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How To Choose A Mobile Phone By: Artham Vidya
A couple of years back I was in the market for a phone as the Nokia handset I was using had become battered beyond recognition and was showing distinct signs of old age. It was a business phone and had served me well, but obviously, it was time to upgrade.(read entire article)(posted on: 2014-05-19)
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Why Do You Need Life Insurance? By: Artham Vidya
I am not a great believer in life insurance. I know you may find this hard to believe but the fact is that I somehow find the whole idea of somebody benefiting from one's death rather distasteful.
I would rather invest the amount paid as premiums for a life policy, on some other instrument, which would give me higher returns.(read entire article)(posted on: 2014-05-19)
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