Category: Personal Finance

Useful Online Tools You Can Use To Make Your Financial Life Easier
in Personal Finance

Many a times you need assistance while handling your finances, but you have nowhere to look for. Instead what you end up doing is either approach others for help or buy some software to solve your problems. But, why be dependent on anyone or spend money when the internet is full of helpful websites. The
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Should You Invest in NPS Post Budget 2016?
in Retirement Planning

This post is written by Shiv Kukreja, who is a Certified Financial Planner and runs a financial planning firm, Ojas Capital in Delhi/NCR. He can be reached at [email protected] Budget 2016 has proposed a significant change in the taxation laws for National Pension Scheme (NPS). It has been proposed by the finance ministry to make
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National Pension System (NPS) – Save Tax u/s 80CCD (1B) worth Rs. 15,450
in Retirement Planning, Tax

This post is written by Shiv Kukreja, who is a Certified Financial Planner and runs a financial planning firm, Ojas Capital in Delhi/NCR. He can be reached at [email protected] We all want to save taxes. We all invest to save taxes. Some invest in PPF, some in ELSS, some in NSC, some invest in 5-year
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What’s the best way to get online deals in India?
in Personal Finance

Last week I told a friend that I needed to go to the dentist, and his first advice to me was buy a Groupon worth Rs. 80 and get consulting worth Rs. 800. I don’t really want to use a Groupon for a dentist, but this particular friend is an expert in getting deals, and is so enamored
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Is it better to buy Thai Bahts in India if you are traveling to Thailand?
in Personal Finance

I recently went on a short holiday to Bangkok and I was wondering if it’s better to convert INR to Thai Baht in India itself, or does it make sense to buy THB once in Bangkok. Based on my research – I decided to buy USD in India, and then use that to buy THB once in Bangkok. The factors
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Atal Pension Yojana – Government Guaranteed Pension Scheme for the Unorganised Sector
in Retirement Planning

This post is written by Shiv Kukreja, who is a Certified Financial Planner and runs a financial planning firm, Ojas Capital in Delhi/NCR. He can be reached at [email protected] Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) Pradhan Mantri Suraksha Bima Yojana (PMSBY) 88% of India’s total labour force of 47.29 crore belongs to the unorganised
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Highlights of Budget 2015 for a Retail Investor & Taxpayer
in Personal Finance

This post is written by Shiv Kukreja, who is a Certified Financial Planner and runs a financial planning firm, Ojas Capital in Delhi/NCR. He can be reached at [email protected] Big Budget Day is over. Some are happy with the budget, some are not. Some are terming it to be rich people’s budget, but the finance
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No battle was ever won according to plan
in Personal Finance

One of the most interesting and lively discussions during financial planning is to agree upon estimated future rate of returns on different asset classes, as well as inflation rates over long periods of time. On every other aspect of the plan, one party or the other has a greater say, and they can back them with numbers or
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Use Google Calendar to track your monthly payments
in Personal Finance

I spent the last hour noting down all my recurring monthly expenses in Google Calendar after I forgot to pay two bills this month, and finally admitted that I can’t keep it all in my head all the time and be okay. I started using Google Calendar because of two main reasons – you can
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