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Ashwin (31), was informed by his HR department to submit his investment proofs for the financial year by the weekend failing which they would not accept any proofs after the deadline and the tax would be deducted accordingly. Coincidentally, he received a telephone call from his friend who had just joined a life insurance company […]
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Assess the Risk Appetite Anil and Sunil are working in TCS as software engineers. Anil is 36 years old. Sunil is 52 years old and wants to take early retirement at 55 years. Their take home monthly salary is Rs.1.25 lakhs and Rs.2.00 lakhs, respectively. In order to assess their risk appetite, we need to […]
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The idea of working just for you and becoming self-employed lures many persons. But before taking the plunge one should be very much clear about his personal and business goals. Self-employed persons are more concerned about their business rather than personal finances. Your Income swings in business should not hit your personal life. And also […]
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Many times when we sit with clients for financial planning, we observe that their documentation is in a mess. Most of them don’t have written expenditure statements like monthly household expenses including groceries, fruits, vegetables, milk and other purchases. There are many cash outgos for AMCs for various consumer durables, pest control, school fees etc […]
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Narendra Kumar (38) had worked in several prestigious organizations during his working career of 15 years and he seldom had to worry about buying a health insurance since his employers had provided him the insurance cover, as part of his annual package. He had even boasted to his self-employed friends of the merits of working […]
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