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.

As we all know, Inflation plays a major role in planning and managing our personal finances. There are two types of inflation. One is Economic Inflation, which gets created by our economy, affects every one and you have no control over it. The other is Lifestyle Inflation, which gets created by you when you upgrade your lifestyle beyond your affordability. But, you can always control your Lifestyle Inflation at zero by living below your means and being proud of that! 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.

As our central government has undertaken significant economic reforms recently, there is lot of optimism regarding India’s economic growth in the coming years. This is reflected in our stock markets as they are steadily rising in recent months and hitting new highs regularly these days. However, do not get carried away with these highs as investing in stocks requires not only your money but also your time and knowledge. If you don’t have time and knowledge, just invest in stock mutual funds! 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 higher education of your children, you now have a choice between government universities and private universities. Although private universities are young and upcoming in India, they are steadily improving quality and accordingly increasing fees every year. Admission in reputed private universities demands not only academic excellence by your children but also financial strength by you. Hence, have a plan now to fund your children’s higher education so as to avoid panic at that time! Find above a comic strip on this and we hope you enjoy it. 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.

In a democracy like India, there are many criteria for assessing our elected government. The first and foremost is whether it delivers citizen services at the minimum taxes payable by us. That’s because government is the only entity that can avail the ‘law of large numbers’ and ‘economies of scale’ available in any society and cut down the cost of citizen services to the lowest possible. If not availed, we will be unnecessarily paying high taxes! Find above a comic strip on this and we hope you enjoy it. 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.

By human nature, higher the age, lesser is the capacity to take risk in investments. Hence, when you become old, you will have no choice but to go for low-risk, low-return investments. But, when you are young, you have a choice to go for high-risk, high-return investments such as stocks or stock funds. Therefore, You should not buy them only to save taxes nurture your appetite for more risk and achieve higher returns on your investments. Find above a comic strip on this and we hope you enjoy it.