Excess cash Kills

How Can Excess Cash Kill Your Business?

Cash is King but it also kills. One of the companies hit the market with an IPO. Their Merchant banker advised them to raise more money than required. The issue was subscribed. Excess money they invested in unrelated business. That business could not succeed. The return on share capital could not match the market expectations. The share price reached below par. Since the share price was … Continue reading How Can Excess Cash Kill Your Business?

Interest Rate

The Impact of REPO Rate on Your Pocket and Business

REPO rate reduction of 0.25% is making the Indian investors excited. Investors believe this will trigger higher off-take of loans, higher economic activities. In reality, cheap money only can’t trigger more demand or higher capacity built up. There are several other factors. However, in this post, we will know about the RBI’s interest rate management. RBI manages liquidity in the market and inflation with REPO … Continue reading The Impact of REPO Rate on Your Pocket and Business

Do You Possess These Characteristics to Become Rich?

Do you want to be rich? Since you are reading this post, the answer would be Yes. Becoming rich is everyone’s dream. Some give up midway, some pursue it relentlessly, and some actually become rich. At the end of the day, it’s all about luck but at the beginning of the day, it’s all about your efforts. When it comes to your efforts, you would … Continue reading Do You Possess These Characteristics to Become Rich?

Personal Financial Planning

You Need to Know 4 Aspects of Personal Financial Planning

Among all the planning you do Financial Planning is perhaps the most important but mostly ignored planning exercise. Financial Planning requires you to consider planning about your life. It entails considering budgeting, savings, investments, taxes, insurance, retirements, and important life stage planning like children education, marriages, etc. It is an exhaustive process. But it is also an interesting process. It makes you think through the … Continue reading You Need to Know 4 Aspects of Personal Financial Planning

Financial Literacy

9 Key Financial Literacy Aspects You need to Know

Financial literacy is about how you deal with your money. This is about simple basic things about money. Financial literacy is not necessarily your literacy about the language i.e. reading and writing.  It is different. “The number one problem in today’s generation and economy is the lack of financial literacy.” Alan Greenspan It is about understanding your income, expenses, investments, credit, budgeting, planning, and knowing … Continue reading 9 Key Financial Literacy Aspects You need to Know

Managing Money

Do you know how you are mismanaging your money?

Earning money is easier than managing the earned money.  We all are so obsessed with earning part that managing part is left unattended. However, it is the managing part which will create wealth for you. Money well-managed is the money working for you without you working for the money. Many people are smart at earning money but when it comes to managing the money, they … Continue reading Do you know how you are mismanaging your money?