How much does it cost?

by Manikaran Singal on September 15, 2014 Total Views: (147)

How much does it cost

Some days back I was reading an article in Livemint with the same title, where Monika halan, editor of mint money has written very strikingly that where we are so obsessed with getting a best price whenever we go for shopping, at the same time we tend to ignore costs when it comes to investing ...


4 factors to consider before loan prepayment

by Manikaran Singal on September 9, 2014 Total Views: (104)

prepayment of loans

Rahul is a young IT professional in his early thirties. His wife Sunita works as professor in a college. On advice of a relative who’s my client, Sunita visited me to have a financial planning discussion. She came alone. Where I appreciated her to have understood the importance of financial planning in early years of ...


This is where you should focus on

by Manikaran Singal on August 27, 2014 Total Views: (50)


I was quite surprised to know that ishita wanted to visit me to have her investment portfolio reviewed. In the last 4 years of our association she’d never asked anything about her portfolio. Though as per process I did regular reviews but it was clearly visible from her expressions that she used to be least ...


How to improve your CIBIL Credit score

by Manikaran Singal on August 12, 2014 Total Views: (66)

cibil credit score

Finally Vikas has enough savings to buy the car he’s always wanted to buy. All his family members were very happy. After all he’s going to buy a new car after 10 years and that too an SUV. It’s like a dream coming true for vikas; after all he’s been saving for this goal for ...


HDFC Click 2 Protect Plus – Online term plan with a Plus

by Manikaran Singal on August 7, 2014 Total Views: (167)

hdfc click 2 protect plus online term plan

For those who are aware of online term plans, HDFC Click 2 protect is not a new name for them. It is one of the popular names in online term plan market, which almost every seeker of online term plans must have went through before finalizing his selection. With a great claim settlement ratio, competitive ...


Balancing Expectations and Reality

by Manikaran Singal on July 26, 2014 Total Views: (48)

expectations and reality

So ? Had Budget 2014 lived up to your expectations? In the past 20 days before budget every newspaper, TV channels was full of discussion and columns on what they expect from Modi government’s first budget. Every second person, corporate was expecting tax rationalization, reduction in interest rates and also growth oriented vision of the ...


Apollo Munich Optima Super- a Super top up health insurance

by Manikaran Singal on July 23, 2014 Total Views: (61)

apollo munich optima super

Apollo Munich has launched a new Super top up insurance plan with name Apollo Munich Optima Super. They call it an aggregate insurance plan, as it takes into account the aggregate of claims made in a single year as deductible, unlike a top up plan where in every claim the deductible gets applied. There are very ...


How to generate retirement income for parents

by Manikaran Singal on July 18, 2014 Total Views: (21)

retirement income for parents

That day Hitesh was actually sounding very emotional, after all he’s never lived away from parents since childhood. But now when his employer company was sending him to US for a project, he was worried on who will take care of his parents back home. He got married last year and knows that his parents had ...


Meet the planners again – FPGI Annual Meet 4 (Round up)

by Manikaran Singal on July 11, 2014 Total Views: (28)

FPGI Annual meet 1

When wonderful gets accompanied by thunder showers it becomes thunderful. And this was what i experienced at Alibagh (Near Mumbai) where I was last week for Fourth Annual meet of The Financial planners’ Guild India (FPGI).  Last year we were at Lonalvala for Annual meet 3 ( Read : Meet the planners - Annual meet 3 ...


How Union Budget 2014 will impact your Personal Finances

by Manikaran Singal on July 10, 2014 Total Views: (21)

budget 2014

As a general perception union budget is all about taxes. Tax reforms, tax exemptions, tax rebates etc. Everyone wants to know what’s in it for them. For them a good budget is that which announces lots of tax sops. This time also people were expecting some tax sops as this is what they presume to ...