Articles by Ramalingam K

Demystifying misconceptions about Mutual Fund SIPs

Posted by Ramalingam K 24 December 2015 7247 Views

Investment Truth Vs Investment illusion: In today's world surrounded with an abundance of information, it is common for every one of us to form their own set of perceptions and beliefs. This may be quite a times a good thing to do (i.e. follow your o

Do you actually need a Financial Planner or do you believe in "doing it yourself"?

Posted by Ramalingam K 21 December 2015 10491 Views

Understanding the �Do It Yourself� technique No matter whether you are working out, dieting, curing any of your simple health issues, constructing your house, or considering money management � all these have two approaches to get th

7 reasons behind your mutual funds' poor performance and how to overcome them

Posted by Ramalingam K 14 December 2015 8035 Views

Have you ever heard anyone say his or her mutual funds proved worthless, or he/she has lost money in the same? One might also experience times where their investment in a mutual fund was a major disappointment. Pertaining to these scenarios, we may c

Have you stress tested your personal finances

Posted by Ramalingam K 11 December 2015 7050 Views

What do we mean by the term stress testing?Stress testing is about demonstrating how a particular process balances in a condition, when you try to push the same beyond its usual operations. We can also state the same about a stress test in other wo

Personal Finance Websites v/s Financial Planners

Posted by Ramalingam K 10 December 2015 6750 Views

Financial Planning is a process that involves much more than playing with numbers listed in the data sheet. This process requires a thorough understanding of what the client needs and aspires to, and how will he be able to fulfill the same. It also e

How to report Incomes from India while filing the tax return in USA?

Posted by Ramalingam K 01 December 2015 5187 Views

It is often that people take the plea that the law is not known to them and any breach of law therefore is purely due to ignorance. However, the Latin term �ignorantialegisneminemexcusat� very aptly and succinctly states the truth-"i

How NRIs can avoid Double Taxation?

Posted by Ramalingam K 28 November 2015 14771 Views

�Dil mange more�, the �heart yearns for more� is a phrase which fills the heart with exuberance when the �double� refers to benefits or gifts accruing to us. If the reverse happen

6 Reasons why financial plans fail and how to overcome them?

Posted by Ramalingam K 23 November 2015 8220 Views

Does it sound crazy that financial planning is a process so simple? Believe me, it is. Planning your finances involves nothing else than just building wealth, and having enough for your retirement. You can achieve the first, if you spend less than yo

10 Principles to an Intelligent Investment Strategy

Posted by Ramalingam K 17 November 2015 12727 Views

Making a smart investment is not a rocket science. It requires you to learn and follow the appropriate principles, with discipline. An unfortunate thing about investment strategy is that most of what is taught is hazardous, as being only a half-truth

10 Practical Tips for Early and Wealthy Retirement

Posted by Ramalingam K 14 November 2015 10659 Views

Do you dream to say Sayonara to your daily nine-to-five schedule and see the world, before you actually turn 60?How do plan to fulfill such a beautiful dream of your life?How do you interpret to see yourself retiring being financially successful?Well