A couple of weeks back, I’d asked what your office was doing with the Sodexo Meal Vouchers for Financial Year 2012 – 2013. Then, my office hadn’t yet declared a Sodexo Meal Voucher policy for the new financial year but D’s office had and I’d published that. My office just declared our policy (emphasis and […]
There were several wonderful responses to the April book giveaway. It’s really heartening to see each one of you recognize the mistakes you’ve made in your personal finance journey and then take corrective actions to set them right. It’s even more heartening to see you share your experiences so that other readers can benefit too. […]
To date, I haven’t understood why some — actually many — financial experts advise you to not save-up your money in a Public Provident Fund account. Thankfully, I’m not in that camp of thought. I have always encouraged you to save the maximum allowed limit (currently Rs 100,000) each year in your PPF account. In […]
One of the questions from The 4-Hour Work Week (note: there’s still some time left to participate and win a copy of the book) that really struck out was — What is the pot of gold that justifies spending the best years of your life hoping for happiness in the last? Déjà vu, because, a […]
Here’s an ad that I saw from the “bank that claims to know it all” — Tell me this — would your parents be proud/happy knowing that you’ve taken a personal loan to pay for their vacation? I’m also quite sure that they aren’t going to say “We’re so so proud of you my dear […]
I am totally hooked to this book. I’ll say that again. I am totally hooked to this book. I’ve only read through about a hundred pages or so, but each page has made me stop and think quite a bit about life, work, and personal finances. I’m so hooked that I wanted to giveaway a […]
While early retirement is my primary goal, a common feedback that I hear from readers of the blog is that I am quite vague when it comes to specifying absolute amounts and absolute figures with respect to my own situation. I’d really love to share these figures with you but the very nature of the […]
I followed-up with reader Ashutosh, the winner of the Early Retirement Extreme book that also happened to be the first ever book giveaway on Capital Advisor, what his key takeaways from the book were. Here’s Ashutosh’s response in an easy to read Q & A format — First of all let me apologize for the […]
As a follow-up to my recent post on Capital Advisor’s impact on the Indian life insurance industry, I thought it’d be a fun idea to figure out where all those download requests for my ULIP Surrender Request Letter template were coming from. Here’s a chart of the Top-10 Countries along with the total number of […]
About a month back, you read my analysis of the Bajaj Allianz Cash Rich Insurance Plan. From the analysis, you also found out that it’s most certainly NOT YOU who’s becoming rich as part of this plan (literally?). So, imagine my utter horror when I came across this interview piece (in a personal finance magazine) […]
Here’s something that I happened to read the other day — I am an old man and have known a great many troubles, but most of them never happened. Mark Twain. Leads to some interesting thoughts — How many months [worth of monthly expenses] is too many months in your emergency fund? Should you really […]
Following-up on my previous post where I illustrated through a real-world example the way to calculate the maturity value and effective yield on a five-year tax saving fixed deposit (FD), I hacked-up a simple Android-application that helps you do the same in an instant wherever you are. Click here to download the 5-Year Tax Saving […]
For the first six-years of my professional career, I think I paid credit-card bills in the five-figures each year! I bought huge quantities of stuff that I simply threw away later. If instead, over these early six-years, I had saved Rs 70,000 each year in the Public Provident Fund (PPF) account that my mother had […]