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Whenever the words ‘recession’, ‘market downfall’, ‘global economic crisis’ come in picture, I think about Mr.Rudy Giuliani, the mayor of New York, when the twin towers were hit on sep 11th, 2001. He was put under a situation where he was blamed for unpreparedness, death toll increasing everywhere and people all around the globe looking at him with different emotions. The way he handled the crisis amidst political, global pressure and his personal issue of fighting against prostate cancer, it is just amazing. Because of market euphoria, investors start thinking, “this time it is different. The things will be very rosy hereafter”. Don’t think like that. There could be recessions or market crashes anytime. Are you and your investments, well prepared for it? How can you cultivate similar emotional strength as of Giuliani’s while facing the recession and market declines? Read on to learn more. Why does the market crash? No one had any clue about a terrorist attack on twin tower and ...

Humans have a natural tendency to follow the crowd, but when it comes to stock market investing, following the crowd can often result in losses. Why replicate the mediocrity of the masses when you can clone the success of the World’s Greatest Investor? The investment secrets of warren buffet have got unveiled here. 1) Look at quality businesses; not just the stocks Warren Buffett said, “When I buy a stock, I think of it in terms of buying a whole company, just as if I were buying a store down the street.” Most investors don't analyse the businesses they invest in. They simply follow the symbols or brands of successful corporate houses. If you are buying a shop, you will analyse about the products dealt by the shop, overall sales, consistency of sales, competition for the shop, competition strength of the shop, how the shop will manage the change in customer trends and so on. We need to apply a similar logic before choosing a stock. Don’t think that you are only buying a fe...

It’s a fact of life that, if you don’t follow this simple and very obvious money management code, you will never ever become rich. Don’t let the negligence to follow this, keep you from becoming rich. To become profitable and stay profitable, the bigger organizations always look at cost cutting methods. They cut a part from the salaries, reduce expenses on travel, in serious situations, go to an extend of laying off some employees. They do this to increase the net worth of the company year after year. Likewise, to become rich and stay as rich, you need to increase your personal net worth year after year. Cutting on your unnecessary spending is the most important aspect of increasing your personal net worth and saving for a rainy day and keeping away from the fire. How come a cut on spending save you from disasters? How can one determine what to buy or what not to spend on? What happens when we buy more? Read on. The biggest threat to your savings: I have a credit card, just ...

Do you remember what you did before buying your first bike? Made a research on various brands, looked at the trend of each brand & the product on how they worked and chose the best one you liked, right? Even though, your bike helps you to travel places, no matter what, the resale value will be lesser than the buying price. Isn’t it? You are investing your time and energy in an object which you will not get any money in return few years down the lane. Think about the amount of time and effort you need to spend on something which is going to bring in more returns. Enough knowledge and informed decision making will help you to become a great investor. Go ahead and read to know how you can become an expert in stock market investing. Look before you leap: Foremost among all, have a goal set in. For example, ‘I am 25 now and want to earn ‘X’ amount when I am 45, it is going to be ‘Y’ amount when I am 58 or 60 while retiring’. Focus on choosing the fundamental investment models which...

Personal finance is of important to all of us and we all need to know, understand and follow the Rules of Personal Finance to be financially successful in life. Many may feel that one could learn the rules by experimentation; however in my opinion it could prove very costly. We all need finances as far as we live, so it is best to know, understand and follow these rules to lead a financially healthy life. a) Don't You Work For Money…? Does Money Works For You? "Every penny saved leads to a penny earned", and I am sure we would never like to just depend on our salary for a lifetime. Similarly saving and investing money would mean that the earnings can be utilized for a better lifestyle and a comfortable retired life. It could also mean that we could retire early and do the things that we always wanted out of the profits of our investment. This is not to suggest that we should not enjoy once in a while probably in a restaurant or to watch a movie. It only means that w...

Life is largely a matter of expectation. We never live; we are always in the expectation of living. It is said that “Expectation is the mother of all frustration”. What you are expecting in a financial planning report and what your financial planner offers in his report should match. If it is not matching, then it may lead to frustration. To have a long lasting relationship with your financial planner, what you expect from the financial planning report is more important. Let us discuss it in detail here. You can clarify your expectation and start having an acceptable expectation. 1) Current status: This section deals with the current financial status of the individual and his family. The information what you have given in the financial planning questionnaire / factfinder will be re-arranged in a tabular column for easy reference. This will contain the details like income, expenses, structured liabilities with EMI, unstructured liabilities, list of fixed assets and financial as...

What is the best investment strategy to earn more return on investments? Is there a simple, hassle-free, proven, sure-fire investment method available? Having a routine on investing, yield more rewards. Is this a true statement? How can we set a routine, that too, on investments? Is it really possible? Confused with lots of things spinning in your mind? Read ahead to get all your doubts clarified. Have you noticed the way the women work at home, especially in the workday mornings? There will be many seeking their care for one thing or another, cooking sounds and aroma needing their attention every minute, they multitask at ease. If you keenly notice, you will be amazed at the pace and efficiency in everything they do. How is this possible, without having a degree or diploma in ‘home management’? Having a routine set in every action they do, they are able to effectively keep up with their work. What everybody ought to know about setting up a routine investment? You can fix a perce...

Investing long term in stocks looks like a conservative mode of managing money. Is this a right statement? Will I lose my money by investing short term on the stock market? Do I reap the ‘real’ benefits with short term stock investments? Do you have such questions running in your mind all the time and in turn you move away from investing in the stock market? If so, you are reading a right material here. How to determine whether to invest long term or short term? Have you ever watched the reality shows happen on Indian television? Once the finalists are selected, they go public seeking votes. The artist who is popular among the public gets the most number of votes and announced as a winner, and the least becomes the loser. At times, the loser seems to be much more talented than the winner. This is how the stock market works in the short term. If you look at a person who sustains in the industry as a performer for a long time is the one who has got talent in spite of winning or losin...