You start hearing financial jargons and promises of the moon from him. Illustration: Uttam Ghosh/Rediff.com You have found a new adviser and you hope to build a great relationship. Let us call her/him 'Your Financial Adviser' or 'YFA' in short. You are meeting her/him maybe for the fifth time and this is how your conversation goes... YFA: Your risk tolerance is high. You: Hey dude, I am myself not sure how I will react to a 35 per cent fall in my portfolio. YFA: This time it is different. You: ... Rediff.com, 1 hour ago
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Avoid these financial traps, warns K Ramalingam.Illustration: Uttam Ghosh/Rediff.com Indians are a savings-friendly people. We want to save more out of our disposable income (total income minus total expenses every month). Despite these savings habits, we can go overboard with our expenses too: Festivals and marriages We love our festivals. And many of us will go to great lengths to celebrate festivals in style. Even if it means spending a lot and ending in debt. Marriages are another drain on ...Rediff.com, 1 week ago 6 reasons you must buy insurance Rediff.com, 1 week ago
It is difficult to answer this question in yes or no. Here's Dwaipayan Bose's thorough analyses Illustration: Uttam Ghosh/Rediff.com You may have often heard capital market experts and financial planners saying, equity is the best performing asset class in the long term. They cite examples of Sensex or Nifty return versus gold and fixed income returns over the last 3 or 5 years. But has Sensex beaten all other asset classes across all long term time-scales? Firstly, let us discuss how long is ...Rediff.com, 1 week ago
Chronic fatigue syndrome may have its origin in your gut, says Nikita Puri.Illustration: Uttam Ghosh/Rediff.com For a long time, the origins and causes of Chronic Fatigue Syndrome have been shrouded in uncertainties, and a cursory search on the web for CFS promptly suggests that the condition may be psychological. With no known triggers and a lengthy process of diagnosis, the condition which causes debilitating fatigue was until now rather mystified. But researchers at Cornell University have ...Rediff.com, 1 month ago
Somebody should ask Hillary Clinton and Donald Trump their views on tipping, says Kishore Singh.Illustration: Uttam Ghosh/Rediff.com When they aren't debating gender or religious discrimination, or discussing global geopolitics and climate change, somebody should ask presidential contenders Hillary Clinton and Donald Trump their views on gratuity. How excessive is still too little, for instance? Why should something for which you're paying require a sizeable commission too? Even if it irks ...Rediff.com, 1 month ago
After Brexit, ethnic minorities in Britain worry about their future, notes Sunil Sethi.Illustration: Uttam Ghosh/Rediff.com Online video clips of post-Brexit racist abuse may be blurry, but the message is graphic. People are seen hurling abuse at strangers in streets. As police escort the faithful into a mosque, protesters hold aloft English St George's Cross flags and shout anti-immigrant slogans. One man, with a slightly foreign accent, is heard shouting back, 'This is my country, ...Rediff.com, 1 month ago
There are phrases Indians love to use.And we don't care if we are using them right, says Anita Aikara.Illustrations: Uttam Ghosh/Rediff.com 1. Ate lunch Photograph: A scene from The Lunchbox, Step into any office post lunch, and you'll find people asking colleagues: "Ate lunch?" It's a very Indian translation of khanna khaya kya? or its equivalent in other Indian languages. Hey! It is grammatically wrong. It's about time we stopped eating up words and said the sentence right. Instead, ask: ...Rediff.com, 4 weeks ago
After Urjit Patel’s appointment as RBI governor-designate, the bond market witnessed a sell-off, as it became evident that there won’t be any significant change in stance With an average annualised return of 10 per cent, income fund investors have had a couple of good years. However, considering that Consumer Price Index-based inflation is currently closer to the upper end of the Reserve Bank of India’s (RBI’s) target and the new governor is likely to continue to keep a ...Rediff.com, 21 hours ago
Does the remuneration offered to you by the company meet your expectations? Take the survey and share your feedback. Illustration by Uttam Ghosh/Rediff.com When it comes to career, what do you aspire for? What are your expectations for pay and promotion? Is the salary and benefits offered to you in line with your expectations? Please take the survey below and give us your feedback. It will take you about five minutes to fill the questionnaire and your responses will be anonymous. This survey is ...Rediff.com, 5 days ago
When Bureau of Energy Efficiency certifies that an AC is star-rated, it does this based on the manufacturer’s self or third party efficiency report, points out Sunita Narain. The now increasingly ubiquitous air-conditioner (AC) in our houses would easily make it to the list of the top environmental criminals. Why? Just consider these facts. In Delhi, a mere 1°C drop in temperature leads to a 400 MW drop in demand for electricity. This is because ACs account for some 30 per cent of ...Rediff.com, 6 days ago
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