M. Pattabiraman's Blog, page 178

Frugal vs Miserly: Why we need to know the difference for managing money

If there is one word in personal finance that is mostly misunderstood, it has to be frugality. After the 2008 financial crisis, it became popular online when people with uncertain or no jobs had to...



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Motilal Oswal Asset Allocation Passive FoFs Review

This is a review of two Motilal Oswal Asset Allocation Passive Fund of Funds – Aggressive & Conservative currently in the NFO period (9th Feb to 5th Mar 2021). We explain why these...



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Will I get more returns from ELSS MFs because of lock-in?

ELSS mutual funds are often sold with an incorrect pitch: Since they are eligible for tax-saving under Section 80C, each fund unit is locked for three years from the date of purchase. AMCs and sales...



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LIC Bima Jyoti Review: Why you should avoid!

This is a review of LIC LIC Bima Jyoti, a new plan that is available from 22-Feb-2021. Let us analyse its features, merits and demerits and see if it has any value to offer and worth it. We explain...



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If you don’t take risks you cannot change your financial life!

Many of us cannot stand the thought of losing money; we cannot stand the thought of not getting regular income. This prevents us from taking career risks or investing risks. Some recognise that they...



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Is it illegal to disclose adsense income?

Many AdSense users believe that it is illegal to disclose income from Adsense earns from ads on Youtube and from sites.  This is incorrect. These are the Adsense Terms of Service. Point no 11 is...



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Can I get better returns from stocks instead of equity mutual funds?

A common question that troubles several investors, particularly newbies, is, can I get better returns from stocks instead of equity mutual funds? Many feel like they are missing out on better returns...



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Has LIC’s death claim settlement capacity reduced over the years?

In the recently released IRDA annual report for FY 2019-2020, LIC’s claim settlement ratio (CSR, death claims) was 96.69%. Since FY 2016-2017, LIC’s CSR has been decreasing. Is this a...



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How a retirement planning calculation scared me to take action

Most investors calculate the investment amount required for their retirement and in for a rude shock. Sleepless nights are quite common! Very few investors manage their finances right after such a...



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Financial lessons from our childhood stories!

Here are some financial lessons from our childhood stories! This is a guest article by Srivatsan, who would only like to be referred to as a “long-time reader” of freefincal! He has written several...



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