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It’s that period when we all think about the happiness rather than thinking about it cost

Diwali is the time for fun and celebrations. It’s that period when we all think about the happiness rather than thinking about its cost. This isn’t wrong either. Diwali comes only once a year and some of our most unforgettable memories are around this festival.

Spending is unavoidable during this delightful time, but there is a way you can be smart about your spending in this Diwali.

Here are some smart ways to celebrate this Diwali

Used reusable lights

One of the most beautiful a sight than seeing a row of Diyas on every House this diyas are the heart and soul of Diwali.In our busy schedule maintaining this tradition might become difficult. So here’s a way to reduce the number of diyas but maximize the brightness by using reusable lights.

Try to say no crackers or less this time?

All we know Crackers are fun and What’s a Diwali without crackers? Unfortunately though, crackers are unfriendly to the environment or for our ears.

So why not use fewer numbers of crackers for the betterment of the environment, if not our pockets?

Why not investment?

You can use your Diwali bonus to invest in various options to protection of your short term, middle term or long-term interests depending upon how you are currently placed
Also, Diwali being a festival of lights and celebrations, Diwali also brings joyfulness in the form of bonuses. You can put this money into a different investment and earn impressive returns or you can use it to pay off your debt.
New clothes – Why not go for beauty as well as the practical?

Diwali doesn’t feel like Diwali without wearing traditional attire. Many times, we buy these new clothes without thinking about whether they are practical. So this Diwali why not buy something that you can wear not just on Diwali, but also throughout the year?

Help someone

Want to make this an even happier Diwali? Sort through your cupboard and gadgets and donate what you don’t need to people who need it the most. Warm clothes for the coming winter are a specially good idea.

Happy Diwali from the team of Moneymindz.com

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Also Diwali being a festival of lights and celebrations, Diwali also brings joyfulness in the form of bonuses.

You can use your Diwali bonus to invest in various options to protection of your short term, middle term or long-term interests depending upon how you are currently placed

Also, Diwali being a festival of lights and celebrations, Diwali also brings joyfulness in the form of bonuses. You can put this money into a different investment and earn impressive returns or you can use it to pay off your debt.

Here are few ways you can put your Diwali money to best use.

Buy Health Insurance

The treatment costs have been going up with time and it’s important to have sufficient health cover to meet this cost. If you have not taken a Health Insurance for self and family yet, it would be wise to use a portion of the surplus money to buy Health Insurance. Even if you are protected under corporate cover, a personal cover is required to get sufficient coverage.

Pay Off Debts

You could also use the money to clear off an outstanding loan amount. If you have debts with high-interest rate such as Credit Card debts and are unable to source funds to clear them off, put your bonus money to good use. Paying off your EMIs and clearing off your debt on time would help you save your interest outgo and keep your CIBIL Score strong.

Plan Your Retirement Fund

If your present income is sufficient to achieve all your requirements in the short- and medium-term, you can use the Diwali bonus to increase your quantity for retirement. Instruments such as Mutual Fund and PPF are ideal for building a retirement fund.

Invest in Mutual Funds/SIP

You can also gaze at creating more wealth by investing in diversified mutual fund portfolios or even SIPs (Systematic Investment Plan).SIPs can be invested as less as Rs 500/month and provide good returns in the medium term prospect of 3-5 years. Any less than that might be too early to expect an encouraging return from mutual funds, though it is dependent on the market condition at the time of investment.

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Most of the time people don’t stop & think about it.

Congrats If you thought about this questions,

Most of the time people don’t stop & think about it.

There is a general perception among people to consider insurance as an investment vehicle. People expect something in return for the premium that is paid to the insurance company. Be it life, health or accident insurance, we always tend to equate and measure this with other investment products. If you are rich – let’s say if you die tomorrow and your family doesn’t need to worry about money – don’t bothering thinking about insurance.

Primarily insurance is not for you,

It’s for your FAMILY, so its basically to take care of them in case you are not there to support them monetarily – income replacement. So let us if you are a sole earning member of the family and if you die, how do family sustain, hence insurance.

So insurance is not an investment,

Get that right now and for rest of your life, it can never be.
Insurance that comes with investment plans give a return in the range of 2%-6% – that’s pathetic saving bank return, FDs give you more but it doesn’t beat inflation all the time.

Once a Person took advice from Moneymindz on an insurance policy where he had paid Rs12, 000 for last 7 years (and continue for another 23yrs). if he dies any time (between 0–30yrs) his family would get Rs 10,00,000/-. Now his monthly expenses are anywhere in the region of 20,000/- meaning if he dies tomorrow his saving would help his family survive easily for another 50months/4yrs, but what after that? Nothing..? Remember his monthly expense of Rs20, 000 we have kept constant not changed, not taken into account inflation (regular increase in price). Add to that he has 2 kid of which 1 will go to school 2 years hence, so his expense would only increase from here on. Think about college expenses, you can’t do anything. Hence instead go for term policy of Rs1cr @ premium of 10,000. At least now he doesn’t need to worry too much.

If anybody sells your insurance because of superb returns, we suggest you immediately make 180 degree turns and run at fastest pace. It’s never possible to have a good return in a traditional insurance plan. Also if people try to sell you for tax purpose, term policy also provide a tax benefit.
If you want a proper advice and not get cheated in buying insurance?

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Get Your Own Wheels With A Car Loan.

How long are saving and for what?

This Diwali has a change and invests the saving, get a luxurious feel of a long drive, with the seat booked for yourself.The more you have struggled during your journey of your career will mark a memory towards your lifestyle investments.

Dreaming is what you can afford to do?

How would it be if you dream and get a four wheeler for yourself?There are many who have a house of own and are left perplexed of getting a car for oneself.Buying a four-wheeler for yourself would be very thrilling days of your life.There would be slight emotional decision required.If the individual has not experienced buying a vehicle before and also doesn’t have one, might feel too energetic in getting a bigger and smart choice of buying a car.Thus, buying a car loan would help you in many ways. There are many options left with an individual in setting up the right choice with the saving.When you have in your mind how to go about your savings and deal in buying what is right for you.Going for a Car loan would be the best deal that you have thought of, considering margin of different prices.

Sometimes, you get short of money,but all you have in your mind of buying four wheelers for yourself, all you could do at this time is, get the Best CAR LOAN advice at Money Mindz,this would help you to pay partly for the car you have chosen, monthly you got to invest, keeping in Mind that you have the Car to be yours,

Why would you have a car loan, it would make you flexible, reduces instalments, you get easy internal rates and benefits tax with high security.

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international woman child day oct-11 Free Education Loan Advice - Moneymindz - India's First Free Online Financial Advisory Portal (Education Loan)

Moneymindz – India’s First Free Online Financial Advisory Portal (Education Loan)

Diwali is India’s Famous Festival, given importance overall. The festival symbolizes the light, to enlighten and brighten everybody’s life. On this special festival every human worship the goddess of wealth. The colour of lights unites a family, creates good bonding with neighbourhoods, also have fun with cousins. The festival is not only celebrated in India but also around the globe in different parts, especially were Indians have settled.

As the goddess of wealth helps in blessing you with abundant progress in your well-being. The lights take away are the evil around you, because you have been enlighted by the lamps of lights. Your financial set up must be made stronger to grow and shine in this light of the living, which would enlight your all loss over financial. Smart change over the finance will enlight the day with richness and prosperity. High time to forget your past finial mistake, and grow this Diwali with the Moneymindz, you get free advice over time on your finical settings. After a loss on your financial background, it’s difficult to believe and go ahead to make the come forth of the wealth to build. It’s always good to go about Financial Planner, its good to have mistakes, that would not allow you to repeat again. You got to know to plan out the right things for you before this enlightenment on your financial status.

Moneymindz would enlight this Diwali special lights into your life” to be secured with all financial advice.

The main objectives of your Financial Planning is the 3 major forms to be followed for a brighter burning of Lamp:

  1. The Capital Requirement To Determine: This describes your cost over current and fixed belongings, your daily or personal expenses, your future plans over saving. Your finical growth must be seen in both short and long-term.
  2. To Structure And Determine Capital: The composition of capital is in well in structure to any kind of the business growth. For the long and short term, the decision is in the form of balance due-impartiality- percentage.
  3. To Balance The Financial Policies: To control on lending and browsing or to frame a good amount for future.

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MoneyMindz.com India's First Free Online / On-call Financial Advisor

MoneyMindz.com India’s First Free Online / On-call Financial Advisor

Pension plans are called as a retirement plan. Long years earning that would bring some safety at the end of the hard work or the years fruitful spent in the organization. Though a person has good income and got savings, nevertheless Retirement Plans would help an individual. To organize your finances and get you prepared for the retirement, for youths and the once who have crossed their 30’s this would be the best time for the retirement plan. You never know, when expenses and inflation come into the picture. Your lifestyle would maintain well, only if you could to the plans before you would have a good life indeed. Your savings would be maintained a strict format for the retirement plan, in the growing years you got to make wealth before you retire from your work if this is practised you can be richer and reach your happiness without depending on any.

At MoneyMindz, we believe in portraying the needs of customers at prior. Also, understand your lifestyle with the present situation of an individual, this would withstand your future plans.We help you to avoid sacrificing your needs, and gear up your plans accordingly. After your retirement, you need not be too dependent on any, provided you can lead an independent life by creating a good retirement plan with MoneyMindz, for the best of your future living With MoneyMindz, one can follow your passion, to be on the safer side in future.You would be beneficial on protecting your passion over your future.

These financial mediums would invest, the income as a strong invest, for the best return in future. The savings that you do, would vary from the day-to-day Retirement Plans. Many people are not aware of the investment fund. So, MoneyMindz invites you to help your parents, grandparents or yourself setting up an idea for near retirement investment fund.

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Mutual Funds - Moneymindz - India's First Free Online Financial Advisory Portal

Mutual Funds – Moneymindz – India’s First Free Online Financial Advisory Portal

According to Mr.Kadam, an economist finding Mutual Fund is not easy.He sets up the mutual fund in four different strategic.

They are as follow:

1  Returns.
2  Fund Style.
3  Moving Average.
4  Expense Ration.

We run 90 million simulations before suggesting the right asset allocation. The only Mutual Fund behind Science is To select the best performing mutual fund, there are many different parameters under the same.

There are two ways of Analysis Qualitative and Quantitative.

In a mutual fund, the market prices reflect over holdings related to expenses and management fees. In different industry sectors, there is pool money from different individuals and organization to invest in assets, bonds, and stocks.

The fund of the company units the whole buy of a fractional fund, through the broker. The value of money is important to define the various form of action with the small means and limited knowledge, that would be profitable in the decision of investment. In stocks, you get the invest for bonds.

Times were the balance funds gets converted into bonds and stocks, some become aggressive due to unchanging of the fund that would be mutual. The management has some time, the mutual expectations with the real value to achieve.

The shareholders happen to achieve the goals that are bonded internally. Through this, they can meet the different measures of the mutual fund. There are funds to stay open in different moves, depending on the sponsor in the market and sell the fund at biggest asset many times.thus, the funds stay at an open note. Unfortunately, the management companies due to investments go with uninspired results.

After the view of the economists, we can get rid of the mutual fund in an easy through decide with the shareholders and different the funds.In improving the comparative data, with the help of money mind, the manager’s career discloses the record of the mutual funds, with the asset of competing it.

At money minds, you would get the investors, according to the comfort of the funds directed. The shareholders, the financial advisers give you disclosure in other mutual benefits, to get deeply different from other funds, Visit Money minds. Hence, Mutual Funds continue to be the most cost-effective means of investing.

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When education is considered, parents love to see their children on a higher profile. The dream of every parent is to educate their child so dear to them, in a good Educational stream, basically, know as convent School or College. Similarly, in Goa, they lived a nuclear family, John the only Son for Mr.Bob, Mrs.Hahaana. John was a very bright student from his school days. Mr.Bob owned an AUDI R8, and was a Rich Business Man, John’s Mom was a homemaker. As John got more love and pampering from his parents because he was only Son to them. Providing John was so demanding, anything he wanted his parents got him the very next day. Also, he was the brilliant student in his academic, his parents were too proud about him. His parents even, on the other hand, were too considered about choosing the right and wrong things for him for his growth.

They never got him android phone nor the personal vehicle for him, though he was turned 18 years old. Anything that his Son asked the parents gave, was provided a second thought on buying. Before John could get in his 12th Grade. At the end of his 11th Grade, As usual, every Summer the family would go for Outing, this time it was London. While traveling with Parents, John happens to see so many youths riding and driving all the way long. On some decision, at the airport Mr.Bob, ask John what would be his next plan. John says dad I would also like to have my own phone and a sports bike for me. His dad says my son you got to achieve 90% in your upcoming 12th grade. John agrees on the same. They enjoyed their 10 days tour and now back to India. As they discussed initially, John began to put in more effort in his academic, forgetting his dream sports bike street-fighter. His exams are approached he makes day and night one, putting all his effort towards 90% in his University.

The news is out sating the Results to be declared of 12th grade.John is excited, he said his dad he did well, but little nervous unlike you and me during the results. His Dad checks the results, so happy and so thrilled John has secured 2% extra than I had expected. With his 92% percentage he gets his Dream Bike Street-fighter, and also his auto insurance claimed, where he could benefit his loss over any damage.

Dream bigger, and achieve like John, and also keep it safe by applying for your auto insurance at Moneymindz

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MoneyMindz.com India's First Free Online / On-call Financial Advisory

                                              MoneyMindz.com India’s First Free Online / On-call Financial Advisory

Making the most of your life is every youth dream. When you are dependent on your family, to some extent you get bored of depending.

I met Mr.Raj while travelling from Mumbai to Bangalore. In JW-321, Spice-Jet, I had an hour’s conversation with him. He runs a business in textile. His father was a tailor, and mother was the homemaker, with two younger siblings, who lived in a small shed with 5 members in the home including him. He had a tough time passing early in his school days. As he returned from school, he threw his bag off and sat with his dad tailoring. For me, tailoring, was like he made huge amount stitching good pants and shirts, but Raj bought it in another way, his dad ran a small tailoring industry(assuming)designing towels. He had a bicycle wherein, from the village he used to take the towels and supply in the city, he got bonding in the city with few merchants. Now, Raj developed the interest in making the most of tailoring with his Dad, apart from studying.

Now, comes the interesting part, the air hostess got us coffee, siping the drops into the thirsty throat for Raj, he went expressing his growth of a business. His father was not well to do, earned a month Rs.1500/- which was a big amount with the lot of hard work poured into it. He finished his schooling and got into his diploma course. And he took up a loan to set up business, Raj initially started the business with 4 members, including two younger sisters of him. His business turnover yearly came across 80 lakh, Slowly in the three years his per Month started in “Cr” Now, he owns an independent home in Mumbai and a textile industry with 1000 skilled labours. When I happen to ask, his age to my shock he is in his sweet 25.

This is the real great achievement that has ever gained. Raj thanks, his loan that helped him before to set up business in textile. And then he said me, it’s never too late for you, you can also get a house of your own, plan out for independent home loan and get Free Financial Advice From MoneyMindz.

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Many youngsters, like to go invest for business, there might be different ways to set up. Some like to invest money in real estate. The only idea to invest in real estate is too much more money in near future. Business has both profit and loss, depends on how you carry your idea and implement it. The invest towards real estate investments, be profit only on judging your potential in risking your business, of paying taxes, the cost of owning the real estate, insurance, and the regular maintenance.

In real estate, you can understand the basic factors of the investment, economics, and risk.It’s simply as playing your star game, by investing. To win your Star game, you buy properties, avoid bankruptcy, also rent to buy more properties.

This would be sound but not easy till you set up right things.If you go wrong anywhere, and its a mistake on your side. This could cause a major disaster for your Real Estate Investment. And you would be left broken or unhappy.

Real Estate Investors Make Money in the 3 following Ways:

You can make money, in several ways while you invest in Real Estate.

1. Real Estate Prizing:

In the real estate market, the land around your property, when increases the value due to building a movie theatre or a shopping complex. Now, your real estate must be attractive in number, thus the potential towards your buyers and renters must be attractive on. Real estate is also a tricky game, to more you flow in money investing must be given a thought of both risking your income in profit.

2. The total amount transferred into and out of business:

Real estate investment focuses on buying a property such as an apartment building.Now the apartment is given on rent, the money your tenant pays you for your property is a specific amount of time.Out of business flow of invest would be on the well-run storage units, car washes, apartment maintenance, and much more.

3.Real Estate, Income:

This type of real estate related income is easy to understand because you can gain income through the buying and selling of properties.The real estate brokers could also give you commissions on the same.

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