How Much Is Enough Money For You?

  It’s easy to get caught up in the rat race and forget to enjoy life. However, it is important to consider, how much money is enough for you? How much money do you need to be happy?   to comfortably retire? to have a good life? According to a survey by Bankrate.com, nearly half of […]

Financial Radiance completes 6 glorious years – A perspective

6 Years Anniversary

Those of you who have been reading my blogs regularly must be expecting this blog that I am writing. I share my perspective every year, talking about how the year has been, my share of hits and misses, learnings, and my perspective for the future. On December 1, 2022, I am happy to share that […]

3 Incredibly simple ways to get a high-quality health insurance plan

Insurance is handy in emergency

Yes, It is possible to get low-cost, high-quality health insurance plans. This blog is dedicated to guide you on this.

Some people have spent a significant amount of money on extremely expensive high-coverage health insurance. You can still obtain the same level of protection for a fraction of the price. Let’s take it step by step to understand it.

7 ‘Wants’ management tips for Effective financial health

7 ‘Wants’ management tips for Effective financial health “If you buy things you DO NOT NEED, soon you will have to sell things that you NEED” – Warren Buffett   It is possible to categorize all of our expenses and spending activities into two categories: “necessities” and “wants” for effective financial planning. When you spend […]

Financial Radiance completes 5 years – A perspective

5 years at Financial Radiance

Those of you who have been reading my blogs regularly must be expecting this blog that I am writing. I share my perspective every year, talking about how the year has been, my share of hits and misses, learnings, and my perspective for the future. On December 1, 2021, I am happy to share that […]

Financial Radiance completes 4 years – A perspective

Financial Radiance completes 4 years – A perspective

Financial Radiance completes 4 years – A perspective 2020 would be a year that would not be easily forgotten by anyone. The year would be known for the pandemic – Covid 19 which spread all over the World. Enough has been written about it in the media, so I will not focus on it. In […]

Don’t default on credit card bill – 10 smart options to consider

Don’t default on credit card bill – 10 smart options to consider I have covered previously on the topic of credit cards. I provided 17 tips to manage credit cards effectively. I have also written about debt traps in the past and also about how can we not live a life paycheck to paycheck. The […]

5 Reasons why too much money in bank is bad and what you should do

5 Reasons why too much money in bank is bad and what you should do This is an important topic for discussion and therefore I decided to dedicate a separate blog for it. According to me, this is one of the biggest mistakes done by a lot of people wherein they just let the money […]

ELSS vs PPF: 7 critical decision-making features PLUS a bonus tip

ELSS vs PPF

ELSS vs PPF: 7 critical decision-making features PLUS a bonus tip I have spoken in the past about why all of us should take maximum tax rebates by investing in appropriate tax-saving products. Money saved is money earned and, in this case, it is not just the money which is invested for tax benefits, but […]

What is loan closing and why you should do this properly?

what is loan closing

What is loan closing and why you should do this properly? In my previous blogs, I have mentioned about how banks determine the loan eligibility, the factors they consider, and how we can increase the loan eligibility. Now let’s fast forward, assume that you have been regular in making the EMI payments and finally the […]

6 tips to increase Home loan eligibility

Home loan eligibility

6 tips to increase Home loan eligibility In my previous blog, I mentioned how loan eligibility is calculated and what are the factors which are looked into before a bank decides to sanction a loan to you. You may need a higher loan than the bank is willing to provide, so how your loan can […]

Loan Eligibility – Know why Bank could sanction lower loan to you

Loan eligibility calculator

Loan Eligibility – Know why Bank could sanction lower loan to you This could be your first time when you are buying a property and are very excited. You decide that you have enough money for the down payment, you go to the bank to take a loan and then you get a shock that […]

NRI Investors – Should you invest in India – why and how?

NRI Investors – Should you invest in India – why and how? In one of my previous blogs, I provided basic definitions of who is a Non-Resident Indian (NRI), Resident & Not Ordinary Resident (RNOR), Resident Indian (RI), Person of Indian Origin (PIO), and Overseas Citizenship of India (OCI). I also mentioned about differences in NRI […]

Reasons for loan rejection and 4 action steps to be taken

Rejected loan application?

Rejected loan application? Here are 4 action steps Most of the investors take some kind of loan and when they are not able to pay the EMIs on time or default on the loan, their CIBIL report gets messed up and they don’t get further loans in future. Have you ever had a rejected loan […]

Are you making any of these 7 Investment mistakes?

Are you making any of these 7 Investment mistakes? Some investors invest directly in stock markets or through mutual funds, make wrong decisions, suffer huge losses and then start blaming the markets, quit them for good, and go extremely conservative by keeping the money in Fixed Deposits or worse, in Savings Bank. This in my […]

Want to retire early? 11 reasons most people don’t retire rich

Want to retire early? 11 reasons most people don’t retire rich I posted a blog sometime back on why we need to prioritise retirement planning. Do you want to retire early? The landscape has now changed and it is very different as compared to our parents and previous generations. I had also laid down the steps […]

Has it been difficult to choose which tax regime is better?

Confused with income tax terminologies & tax rates: a primer This is a blog to help the first-timers to understand the basic income tax terminology when they start working. Also, we provide you steps to check which tax regime is better – the old tax regime or the new tax regime? It can be overwhelming […]

12 tips to identify best mutual funds for investing

Best mutual funds to invest? 12 analysis tips If you are new to Mutual Funds, then you may first want to read my previous blog on Mutual Funds Categories.   Searching for the best Mutual Funds for investment?: 12 points to look for (and not overlook!)  Chasing the best mutual funds for investing? Don’t judge […]

You can be a Resident Indian and an NRI at the same time!

You can be a Resident Indian and an NRI at the same time! Quoting from Wikipedia: “Overseas Indians, officially known as Non-Resident Indians (NRI/NRIs) or Persons of Indian Origin (PIO/PIOs), are people of Indian birth, descent or origin who live outside the Republic of India. According to a Ministry of External Affairs report, there are 28 million NRIs and PIOs residing outside India. According to […]

Check out these 9 home loan tips to reduce home loan anxiety

Taking a home loan? Have you checked these 9 home loan tips? Almost everyone goes through the process of taking a home loan during their lifetime at least once, mostly more than once. This could be either for self-occupation of the house or as an investment. Whether to rent or buy is a separate discussion […]