Author: Valueraj

At Valueraj Associates, we believe regular knowledge is essential to deal with your money needs of now and of future as well. This knowledge can be nurtured through fun also.

Unlike in the past, there are plenty of savings/investment/insurance products in the market now. Indeed, these are times when we are confused because we have too many choices. Financial Planning is a process by which clarity is achieved from this confusion. It guides you in selecting right products to meet all your financial goals in future. Financial Plan is like a roadmap for your future finances. Get it done and follow it for peace in your life. Find above a comic strip on this and we hope you enjoy it.

At Valueraj Associates, we believe regular knowledge is essential to deal with your money needs of now and of future as well. This knowledge can be nurtured through fun also.

When it comes to Financial Products, it is more important to know what not to buy rather than what to buy. One simple thumb rule is, whenever you buy any insurance/investment product, you should do mental mapping of it to meet your family’s financial needs in future. Those needs include children’s education, retirement, health-care, disablement etc. If you can’t map it to any need, but if you still buy it for other reasons like saving taxes, you will be committing a mistake. Few such mistakes can cost you peace of mind in future as you will end up in fire-fighting to meet your needs then! Find above a comic strip on this and we hope you enjoy it.

At Valueraj Associates, we believe regular knowledge is essential to deal with your money needs of now and of future as well. This knowledge can be nurtured through fun also.

When it comes to managing your personal/family finances, it is not as easy as preached by pink papers, money magazines, business news channels and blogs. If you have a full-time job to do, you may have to sacrifice your week-ends and after-office hours to learn about personal finances. Only when you develop it as a serious hobby, you will be able to manage your finances well and good. If not, you better seek services of a professional advisor and make sure that he not only gives unbiased recommendation on financial products but also responds promptly to your service requests. He should be like a family friend in need! Find the above comic strip on this and we hope you enjoy it.

At Valueraj Associates, we believe regular knowledge is essential to deal with your money needs of now and of future as well. This knowledge can be nurtured through fun also.

When it comes to children’s education, cost of higher education is increasing faster than parents’ income in our education system. Regardless of whether the institutes/universities are public or private, better the reputation, higher the costs. Hence, it is your responsibility to plan and invest for this future need so as to avoid taking student loans then. If you avail student loans, it is in effect shifting your responsibility to your children and burdening them with loans early in their life! Find above a comic strip on this and we hope you enjoy it.

At Valueraj Associates, we believe regular knowledge is essential to deal with your money needs of now and of future as well. This knowledge can be nurtured through fun also.

Unlike in the past, it is mandatory now to declare all your bank accounts in Income Tax Return Forms. Also, as per Income Tax Laws, you have to maintain account statements of the past 7 years for any verification by the Income Tax Officers. To be able to comply with these rules easily, you should keep only as few a bank accounts as necessary. This will not only help you track your bank transactions better but also be aware of all service charges deducted by bank from time to time. After all, there are always some hidden charges and it is up to you to trace them! Find above a comic strip on this and we hope you enjoy it.