Kamana Mishra

Do's and don'ts of financial planning  It is said that "failing to plan is planning to fail" We Indians plan for everything perfectly, be it a weekend picnic or a child's future we always plan things. But when it comes to securing our future financially we don't give much importance to it. Most Indians spend almost all their money on their child's education, wedding and depend on their child financially after their retirement. This just represents the poor habit of not investing money and not planning for your future. Financial stability defines who we are and also indicates a good position in society and that's why financial planning is significant. Read the full article to know what financial planning is and its importance and also can you do your financial planning by yourself.  What is financial planning?  Personal financial planning is the process of managing your money to achieve personal financial goals. In layman's language, financial pl...

Dividend Investing From "Ye stock market to ameer ka Khel hai to risk hai to Ishq hai'' India's perspective on the stock market has changed dramatically in recent years.  It might be fear of missing out, it might be realizing the importance of investing or it might be the influence of series like scam 1992. Well, we don't know what it is but there is something that has attracted a lot of new investors to the stock market in the last 1 -2 years. 14.2 million demat accounts were opened that too in the pandemic when the economy was at its lowest. This just indicates how seriously Indians have taken the popular dialogue "risk hai to Ishq hai". But you know what they say, having incomplete knowledge is more dangerous than not knowing. A lot of people have started their stock market journey but there are still numerous myths about the Stock market. Maximum people still think of the stock market as a scheme to double their money overnight.  But don't worry,...

  From "ye stock market to ameer ka Khel hai to risk hai to Ishq hai '' India's perspective on the stock market has changed dramatically in recent years.  It might be fear of missing out, it might be realising the importance of investing or it might be the influence of series like scam 1992. Well, we don't know what it is but there is something that has attracted a lot of new investors to the stock market in the last 1 -2 years. 14.2 million demat  accounts were opened that too in the pandemic when the economy was at its lowest. This just indicates how seriously Indians have taken the popular dialogue "risk hai to Ishq hai". But you know what they say, having incomplete knowledge is more dangerous than not knowing. A lot of people have started their stock market journey but there are still numerous myths about the Stock market. Maximum people still think of the stock market as a scheme to double their money overnight.  But don't worry, we have got you...

Loans, debts and everything credit! There are thousands of loans and credit facilities available for people like you and me that we can avail. But at the same time, customers like us are screened under many factors.  Screened, as in, our eligibility criteria is checked before granting us loans. And this is done with the help of various ratios and scores, and today, we are going to discuss one such ratio, which is the Fixed Obligation to Income Ratio.   So, let’s get started. What is FOIR?  Financial institutions are advised to follow strict eligibility criteria before granting loans because the ability to repay the loan is the most critical factor on which the loan giving process depends.  If the individual cannot repay the loan, it will add to the NPA in bank financials. Thus, to eliminate this, banks & financial institutions follow strict guidelines to check the eligibility criteria for granting loans.  The eligibility criteria may include background ...

Whether it’s new entrants or seasoned veterans, one statement that stands equally true for both is “ Practice makes perfect ”. When it comes to the stock markets, the better you are at it, the safer stays your capital. And nothing helps you get better here than… you guessed it, practice. But the cost of failure is a lot more painful when it comes to investing. Sure, you are supposed to spend the excess money you have and not the money that funds your necessities (that’s what you do, right?). Yet losing any money always stings. But what if I told you that your money could remain safe while you learn to invest by doing it. Do not think for a moment that I am joking! No, no, no… This is a very real possibility, all thanks to the focus of today’s blog, “ Paper Trading ”. Paper Trading: Practice without Risks This strange process called “ paper trading ” allows prospective investors and existing investors to “practice” trading. I admit that direct exposure to the stock market...