What makes real estate investments unique?
Real estate has a combination of characteristics that are not available through other asset classes, thus making it somewhat unique as an asset class. 3 tips on property investment process
When it comes to the process of making a property investment and exiting from it, there are a few things like transaction costs, liquidity and cash that you must keep in mind. Why prepaying home loan is a good tactic
Are there times when you feel really impatient about the fact that you need to wait several more years to free your home from debt? Well, here is a thought for you. Why everyone must have a budget
Planning your budget makes you aware of your financial situation and helps you create a contingency fund to tap into, when in need. Now how do you start preparing to put money consistently into this contingency fund? Read on... SBI not to change home loan rates immediately
State Bank of India on Wednesday said it did not have any immediate plans to revise its home loan rates, including that of the 8 per cent special scheme originally slated to end this week. Read this before you opt for home loan!
There are many pitfalls that can turn this smooth process into a bumpy one. Here are some of those pitfalls that you should be aware of and avoid. The awesome power of compounding!
How does compounding work? Well, when you save Rs 100 and get an annual interest of 10%, you will have Rs 110 at the end of one year. Due to compounding the next year you will get a 10% interest on Rs 110, which will then leave you with Rs 121. The next year, interest will be calculated on Rs 121 at 10% and so on. In time, these savings will grow exponentially. Warning! Check the home loan agreement carefully
A loan agreement is a 'contract' entered into between the borrower and the lender (banks and financial institutions) that regulates the terms of a loan. The loan agreement comes into picture immediately after the bank appraises your credit and the property that you have identified. How to teach your child the value of money
This is a basic concept which we as adults understand and we should try explaining to our kids, so they understand the value of money. Banks set to hike rates on commercial realty loans
The Reserve Bank of India's decision to up commercial real estate property loan provision of banks may force the lenders to hike lending rates to the sector in the near term, said bankers. Pre-payment penalty on loans? Banks under lens
Several banks and housing finance companies have come under the scanner of the competition watchdog for imposing penalty on pre-payment of loans. Why it's risky to become a guarantor
Gauge your financial strength and the borrower's before sticking your neck out. 7 point checklist for investing in real estate
Investing requires discipline. One cannot blindly invest money without knowing what one is getting into. Why you should invest in gold
The most compelling reason for putting money in gold is its role as a long-term or strategic asset. Cash flow statement: What it tells you?
Here we will read about the basics of a cash flow statement, its different sections and what cash flow statement can tell you about a company. Income statement: Understand the basics
As an investor understanding the fundamentals of the income statement will help you take an informed decision before buying new stocks. Understanding a company's balance sheet
How do you determine if a company is financially strong? A company's balance sheet can give you the answer. Balance sheet is one of the most important and elemental financial statements found in a company's annual report. All about block and bulk deals
The block or bulk deals can be considered only as a first level of investigation and an investor before investing in a share should look for more details like specific information about the company like its fundamentals, its performance and ranking in its industry, and its future plans and prospects. How to get out of a debt trap
There are options like loan against property, stocks and life insurance policies. Does IPO grading bring value to your investments?
The Securities and Exchange Board of India made it mandatory to grade all IPOs starting May 1, 2007. Opting for insurance? Term plans are the best
Financial planning expert Sailesh Multani offers some investment tips. How you can cut your tax liability
Section 54 EC, if availed properly can bring several benefits for the taxpayer. Why RBI policy may not hit common man
The monetary policy will not affect the common man directly in the near future. The increase in the SLR (to 25 per cent) does not have any impact as the scheduled commercial banks are already having the SLR at 27.6 per cent. How you can profit from India's big tax-free haven
N J Yasaswy suggests two approaches to profit from this tax haven and how to spread the joy of tax-free gains to your entire family. 4 impacts of the RBI policy
The impact of RBI's monetary policy on the Aam Aadmi of India is going to be minimal.