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When it comes to handling the money matters, knowingly or unknowingly, we all do some degree of financial planning to manage our money in the best possible way. Some are very good in budgeting, while some have less understanding of the intricacies involved. So how good are you in budgeting and managing your finances? 

You can easily find out that. Just try answering one question to measure your money-managing capability.

Is your salary sufficient to meet your monthly expenses?

Option 1: No, by end of the month, I fall sort of money

Option 2: Yes, it is just sufficient

Option 3: Yes, after meeting expenses, I even save.

So, which option is relating to you? 

Whatever option you choose, there is always a way out to improve your finances. Check out to know more. 

Option 1: End of the month, I fall sort of money

If you fall under this category, then it means you are spending more than earning. In other words, you are not living within your means or not doing proper financial management. 

What Should You Do Next? 

Find out what is inevitable: 

First of all, use your income only to meet your non-discretionary or fixed monthly expenses such as Grocery, Transport, Rent, EMIs, Bills, Premiums, etc. 

Prevent overspending: 

If after your non-discretionary expenses, you are still left with something, then you can use it for your discretionary expenses. However, you also should be saving, so avoid overspending your money on unwanted luxury expenses rather try to save something.

Even if it’s little, Save: 

Rule of thumb says, one should save 20% of their income for future. Therefore, eventually try to reach that 20% benchmark. 

Option 2: I somehow manage to meet my expenses

If you fall under this category, then it means you are on the threshold. You are probably managing your expenses somehow, but not saving for the future.

What Should You Do Next? 

You need to smartly bifurcate your money to manage your present and to secure your future. Follow 50/30/20 rule of thumb.

1. Use 50% of your salary for your inevitable necessities like Grocery, Transport, Rent, EMIs, Bills, Premiums

2. Use less than 30% of your income for discretionary expenses like entertainment, dining out, clothing etc.

3. At least 20% of your income should go towards savings. Tip: If not saving enough, then try to limit your discretionary expenses: There is always room to cut down your luxury expenses. You can have a ‘no eating out’ week or month.

Option 3: After meeting expenses, I even save 

If you fall under this category, then it means you are managing well because you have control over your spending. The best thing is you have managed to save, but that is not enough.

What Should You Do Next?

1. Step-up from Savings to Investments: 

Money lying in your savings account doesn’t grow. So take the next step – start investing your money for Wealth Creation and Inflation beating returns. Link your financial goals like Home Buying, Children Future, Retirement, etc. with your investment plans. Idea is to save and invest for a goal. This is how you remain systematic and dedicated to your saving habits.

2. Asset Allocation: 

To invest in the right manner, spread your money across various assets like Liquid Cash, Fixed Deposits, PPF, Mutual Funds, Govt. Securities, etc. Create a mix of secured investments plus investments with higher potential of returns. 

3. Plan Your Tax:

 Investment helps you in saving tax. Thus chose financial instruments that give tax benefits along with wealth creation.

4. Get Adequate Insurance Coverage: 

Life and medical emergencies can dig a big hole in your savings. In face of such emergencies, usually, people fall short of adequate money. Just glide over this tricky situation by insuring your life and health. This way you can ensure the financial security of your family. 

No doubt that your investment capacity largely depends on your earnings. But whatever you are earning, you should try to save something for your future. Once you develop the habit of saving and succeed in accumulating some considerable savings, then you should start investing by rightly allocating your money across various assets. Investment is a well-tried practice to strengthen your finances. However, to keep your finances strong, you should also get proper insurance coverage as it is the only way to be adequately financially ready for life emergencies.

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We can many cases where one spouse has no clue about finances. This is sad and almost stupid. Humorous if not so sad.

Families should make these four documents Regularly:

  • Balance sheet
  • Goals Statement
  • Income and Expenditure Statement
  • Budget for the year

Let me assume that the H is the person handling the money and the W does not participate in the finances. What are the things that she should be asking him:

  • Why are you using a financial planner?
  • How did you choose a financial planner?
  • If he is a financial planner how do you ensure that there is no conflict of interest?
  • Why have you got ULIP and Endowment plans?
  • Why do we have 17 mutual fund schemes? 
  • Can we afford the kids studying abroad, or should we tell them that they cannot go abroad?
  • Will you sell your father’s house to pay for your mother’s medical  treatment?
  • Who will pay for the children’s higher education and wedding expenses?
  • Why is our mutual fund portfolio doing so badly?
  • Why do you have so much in debt mutual funds?
  • Do we have enough for our retirement?

All this will take some complex answers.

Make sure you write it down so that every 90 days he is consistent in his replies.

Insist on attending meetings with the Financial Planner.

Make sure you talk to the Chartered Accountant and know how the returns are being filed.

What you should see on a regular basis:

  • Your net worth should increase
  • You should have SENSIBLE diversification
  • You should get good returns from debt funds and very good returns from non debt returns
  • YOU SHOULD LEARN TO EXPECT LESS going forward in all fund schemes
  • You should know the nominees in all the investments
  • You should know whether all the assets are kept in one place
  • EVEN women who are not interested should buy/sell/ redeem once in a while

Do not run away from the responsibility of money management. It is BORING, tiring, etc.

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Let’s check out what you need to do to stay away from emotions while doing investments.

1. Do Your Independent Research Before Investment:

Knowing what you are buying is key to avoiding emotional set backs. Always do independent research before doing any investment, even if you are taking advice from financial advisors.

Always understand about your investment and how it will help you to achieve your goals and what risk is involved in that.

Without your own research you may not take full responsibility of your investment and end up involving negative emotions, which inspires you for making mistakes.

2. Set Financial Goals:

Diversification can help to control your emotion because it offers some downward protection. Diversification means having different asset class in investment portfolio. It includes investment class such as real estate, commodity to hedge against market uncertainly.

3. Set Financial Goals:

Setting financial goals is the first step to investing. Write down your long-term financial goals and how much volatility you can tolerate comfortably.

Stick to your financial goals, don’t allow short- term ups and downs in market to rash your investment decisions. Read your financial goals every time when emotions try to take over your mind.

Still if you feel that you can’t put your emotions aside to make an informed, objective decision, consider talking to a financial advisor or someone else you trust most. This doesn’t mean letting someone else manage your investments for you, although some people choose to do that. It just means that having someone to guide you someone who is not personally affected by how much money you make or lose.

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Health insurance needs vary from person to person and largely depend on the age and lifestyle of the individual. People often ignore post-hospitalisation expenses, which can be higher than hospitalisation, while buying a health insurance plan. Choosing between indemnity and defined health insurance is often the talking point for health insurance seekers. 

Indemnity-based and defined benefit plans:

Indemnity-based health insurance plans are those which offer coverage and eventual repayment of expenses incurred during hospitalisation as per the selected health insurance plan. Defined benefit plans offer a pre-defined lump sum payout for a particular disease, irrespective of any pre- or post hospitalisation expenses.

Common examples of indemnity based health insurance plans are Mediclaim policies or family floater plans while critical illness plans or disease specific plans are examples of defined benefit health insurance plans.

Comparing the two plans:

The money can be used towards pre- and post hospitalisation expenses. A diagnosis report signed by a medical specialist must be submitted for availing lump sum payout for such a plan.

On the downside, indemnity plans have a deductible clause which means that policyholder has to cover for some percentage of the hospitalisation expenses. Cost of post-operative care and medication is excluded in indemnity health plans.

Defined health benefit plans usually offer a cap on hospital cash cover. So, if a policyholder opts for a defined health benefit plan, the payout per day will be as per the stipulated limit irrespective of the amount spent by the policyholder during hospital stay.

Choosing between the two

Both the plans have their advantages and choosing between the two must be correlated as per the individual health needs of a policy seeker.

For example, if someone has a high risk of specific ailments that run in the family, a defined benefit plan may be the right choice along with an indemnity insurance plan to make for a comprehensive health cover.

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All of us make many mistakes when borrowing money, something like not estimating the financial repercussions, borrowing more than required, etc. Learn about such common mistakes people commit while borrowing money and avoid those to save both your time and money. Below, we compiled a few of them. Learn to take well-informed money decisions.

 💡  Neglecting The Research Part: 

People simply wish things get closed at the earliest, so they do not try to take more time on research. Just like you visit many stores before you buy something and look for the best one for the best rate, shop for loans too before applying. More the places you research, the better deal you would get. Make the best use of online surfing. If necessary, go visit local banks and seek details. Let things work on your own terms!

 💡  No Focus On Associated Extra Payments: 

People generally neglect the extra fees they end up paying for the amount they borrow. It is imperative to read all the documents carefully and negotiate wherever possible. Most importantly, ask as many questions as possible before finalizing the deal. Let the lender know your worries and thoughts. Be honest that helps you extract the best deal.

 💡  Getting Emotional or Considering It As Free Money: 

As the process gets finished, people turn emotional and many see it as a lottery win. But the reality is, nothing is free money! You have to pay it back to the lender sooner or later. Check how comfortable you would be in paying the EMIs before you borrow.

 💡  Borrowing More Than Needed: 

Least thing one can actually do is not to borrow more than the requirement. Borrow only if you really need it or if the loan adds value to you in the long run. Else, your re-payments get larger. Moreover smaller loans means more chances for loan approval. Why build unnecessary or unneeded stress in life by borrowing more than needed?

Finally, do not hurry to grab a loan or borrow. Go slow and follow a plan to be more focussed and to commit lesser mistakes. After all, you cannot mess with your hard-earned money. For more advice from experts on personal finance, approach Moneymindz.

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I met a successful businessman turning 87 ..and asked him what would he want to share with younger people…and he had this to say:

 💡 If you want to be in business, be ready for total failure:

He went into business at a relatively old age of 30 in a house where there was pressure to do business the day he passed out o school. He went to college, got a degree, and worked hard for 8 years before he started off on his own. His father supported him during his struggling years, but now he is extremely rich by most standards. His personal net worth should be in the region of Rs. 50 crores – apart from his residence, and personal assets. He did have failures, but his ability to face total failure held him in good stead.

 💡 Work hard, work smart:

He has working routines of 12-14 hours every day including Sundays. A complete workaholic he says typically ‘hard work will not kill anybody’. He handed over his business to his only son when the son was 30 years of age and did not interfere in the way the business should be run. Son got in partners, went global, diversified, and grew the business very well. Same culture is now being taught to the next generation – his grandson is now being trained in another friend’s company to take over the reins here at the age of 30.

 💡 You do not need Normal advisers, you need friendly Financial Advisers who will share and teach:

his association with his family doctor, CA, financial adviser all go back a few decades. He says he has never argued about fees, but has ensured that they have TAUGHT him what to do and how to do it. He now pays more for ‘supervision’ rather than ‘doing the work’. 

 💡 Have patience and stay in the game:

He resisted many attempts to diversify, but made sure that he added products/ services to improve the business of his clients and friends. Even now he has clients who have been with him for 10, 20, and even 38 years!! He says ‘relationships are difficult to forge’ – so sell more to existing people you know and dig deep.

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The automobile industry in India is one of the largest automotive markets in the world. The industry contributes around 7 % of the country’s Gross Domestic Product (GDP). In past, the Government of India has taken various measures and initiatives to promote and to ensure the growth potential in this sector. It is one of the main drivers of ‘Make in India’ initiative. 

Currently, there are host of indirect taxes applicable on the products and various allied services rendered by this industry. Like, Excise on manufacturing on cars and spare parts, VAT on Sale and service Tax on rendering associated services like servicing and repair work. GST, a comprehensive indirect tax on goods and services, is all set to subsume host of indirect taxes, it becomes extremely important for businesses in this sector to understand the impact of GST on various operations and process. 

The impact of GST on the Indian automobile market is going to be manifold. Let us have close look at impact of GST on Automobile Sector.

Impact of Input Tax credit :

Under Current Indirect tax regime, on sale of vehicles, spares and accessories, the following duties and taxes are applicable: 

• Central Excise Duty and Additional Excise Duty 
• Infrastructure Cess : On sale of Vehicle 
• CVD and Additional Import Duty : Import of spares and accessories
• VAT/CST : VAT on intra State sales and CST on Interstate sales

Today, a dealer is not allowed to claim input tax credit of all the duties and taxes listed above except VAT. Also, for a manufacturer, CST and other State levies like entry tax, paid on procuring the raw materials is not allowed as input tax credit. Thus, the business are forced to add this as a product cost and this in turn leads to cascading effect and increase in the product price. 

GST allows seamless availability of input tax credit across supply chain- Right from Manufacturer till it reaches final consumer and across the State borders. This eliminates the cascading effect of taxes in the supply chain and as a result, the product will be cost effective. This reduction of product cost will lead to reduced price, increased demand and therefore, contribute to the growth of the business in this sector. 

Bottom line Impact :

Under Current regime, taxes paid by an automobile manufacturer or dealer on business overhead like advertising services, business promotion etc. are not allowed as Input tax credit. Under GST, with the introduction of business concept “Used or intended to be used in the course or furtherance of business” the business can claim input tax credit on business overheads. This will help the business in reducing the cost of operation and increasing the profitability. 
Impact of working Capital 

Supply being a taxable event in GST, the vehicle transfers between the branches will be taxable. This implies, on the date of vehicle transfer, GST needs to be paid. Through the business are fully eligible for tax credit, for a period between vehicle transfer and the sale date, the funds will be locked. 

In this sector, it is very common to receive the vehicle booking advance. Today, dealer is not required to pay tax on the date of receipt of advance. However, in GST, on the date of receipt of advance, dealer is required to pay GST. The taxability of advance will have a dent on their cash outflow.

Impact on Valuation :

Today, on sale of vehicle, a dealer charges for various ancillary services which are bundled with the vehicle like additional accessories, registration, extended warranty, insurance etc. Under GST, the concept of bundling of two or more goods or service or a combination is referred as mixed supply and Composite supply. In determining the rate of tax applicable on mixed supply and composite supply, different principles are applied. Therefore, it becomes, very important for dealers offering bundle of services or goods along will vehicle to understand the implications of mixed supply and composite supply. And accordingly take suitable measure such that benefit is passed on the customer. 

Secondly, a manufacture provides discounts to dealer based on the targets, Year-End sale, and special occasion discounts etc. Generally, these are post supply discounts and under GST, these discounts will be allowed as deduction from transaction value only if discounts can be linked to specific invoice(s). Hence, the business need to re-look the discount policy to avoid paying taxes.

GST is expected to be implemented in July, 2017. Businesses needs to understand the implication of GST on various business operations like procurement, pricing, sales strategy etc. and ensure that the suitable measures are in place, which is crucial for smooth transition to GST.

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The Goods and Services Tax (GST) is beyond doubt the most revolutionary tax-related reform to be seen in India in several decades, since it will eliminate the conflicting and cascading taxation structures which have confounded several industries over the past few decades. It will most certainly have a profound effect on India’s economic prospects.  

A single indirect tax which covers all goods and services will, in the long run, increase tax collection by making it easier for retailers and several other businesses to comply and also moderate overall taxation levels.

Impact on Residential Real Estate:

Under-construction real estate is covered under GST through works contract and classified as a service. The GST tax rate for under-construction real estate has been set at 12%. Also, it has been clarified that input tax credit will be available for developers to take advantage of and pass on the benefit to the buyers under the anti-profiteering clause of GST.

Impact on developers:

Tax is now 12% with full input tax credit available to developers on construction materials. The final bill is likely to be the same or marginally higher, varying across states as clarity on abatement rules has still not been provided. Some change in terms of changing market dynamics has already brought about a change in developers’ workings. 

Impact on Rental Housing:

Other doubts pertain to the rental housing market, which would naturally be impacted if the Government were to tax residential leases under GST. The common apprehension is that if this were to happen, the rental housing segment may see a huge slump over the medium-term, since residential leases are currently not taxed at all.

Rental yields in major cities are already at around 2-4% on average. Being already low, we would expect rents to hold or maybe decline due to an increase in housing stock. Most investors in the residential sector do not invest for rental yields but rather for the capital value appreciation, so even a drop in yields would not independently impact sentiment. ST is not applicable on rental housing.

Impact on Commercial Real Estate:

Under-construction real estate for sale purposes will attract GST at 12%. This likely to be tax-neutral to slightly negative depending upon states’ prevalent service tax and VAT rules.  For commercial leases, the GST does not talk expressly about this service and hence it is covered under 18% tax rate with full input tax credit and this should turn out to be neutral for this sector. 

Impact on Affordable Housing:

Affordable housing is currently exempt from service tax. It is likely that the government may come out with a clarification regarding the applicability or continuing exemption under the GST.

Impact on Affordable Housing:

Affordable housing is currently exempt from service tax. It is likely that the government may come out with a clarification regarding the applicability or continuing exemption under the GST.

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The Rate of Good and Service Tax (GST) on Gold is 18%. Schedule of GST on Gold in India have been provided as category list. The Rates of GST on Gold (Ornaments and Jewellery) in India was approved by the GST Council last week. You should understand that, these rates on GST on Gold will be changed every year based on the feedback from the suppliers and the representatives of the State Governments of India. Gold is one of the most awaited good on the GST list that many traders across the country are waiting for since long time. Any change in GST Gold Rates will have direct impact on the trading markets.

GST on Gold (Rates and Other Details):

  1. The Rate of GST on Gold has not yet been finalized
  2. The expected rate is 12%
  3. GST on Gold Jewellery will have two side effect
  4. Current Excise Duty on Gold is 1%
  5. Current VAT on Gold is 1.25%

GST on Gold:

Uder GST, Gold ornaments would be subject to 18% tax, which the jeweller can adjust with input credit. This 18% tax has to be borne by the end customers. Therefore, the final prize of the Jewellery increases.

If the customer returns the jewellery to the seller, the 18% tax paid at the time of purchase can not be regained. In other words, the value of the jewellery will reduce by 18% GST paid at the time of purchase.

The tax structure under GST on Gold has not been decided yet. The government is working out the structure to relieve the pressure on the Gold bullion industry due to increased tax burden post GST implementation.

While the tax rates applicable to gold and other precious metals will go up under the new GST regime, experts believe that the bill’s actual impact on these sectors would be minimal. That’s because the bill is expected to usher in a new tax era where a lot of hidden taxes will be removed.

“Currently, there are separate laws governing separate tax levies such as central excise, service tax, VAT, CST. The GST proposes to end this. It will introduce a single law and subsume the other taxes a lot of which are hidden.”

Gold Jewellery industry has been suffering from constant changes and uncertainty in tax policy. It is a wide-spread feeling among the jewellery fraternity that the Indian Government needs to work towards a more uniform and consistent taxation policy under the Goods & Service Tax (GST) regime for the Industry.

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If you thought that a Systematic Investment Plan (SIPs) is just one boring type of plan, think again. You may be surprised and glad to know that there are four types of SIPs. If you do not know these types, here is a brief introduction to these SIPs:

Top-up SIP: 

These SIPs allow you to increase you SIP amount at regular intervals. Such a facility enables you to take advantage of a mutual fund scheme that is performing well by increasing the amount of your contribution at regular intervals. Also, it facilitates the investor to invest a higher amount with a rise in his/her income.

Flexible SIP: 

This type of SIP provides the facility to increase or decrease the SIP amount as per the cash flow of the investor. So, when an investor faces cash crunch due to some reasons, he can skip payment of few SIP instalments till the financial situation returns to normal. On the other hand, if an investor receives bonus or makes some windfall gain, he can deposit the full or part of the amount into the SIP account.

Perpetual SIP:

Normally an investor signs up the SIP mandate for a fixed period of, say, 1 year, 3 years, 5 years and so on, but if the investor does not enter the end date in the SIP mandate, it is deemed to be a perpetual SIP. This leaves the option open for the investor to redeem the fund at the time of his choosing or when his financial goals are achieved. However, it is always better to start SIP for a fixed period as it inculcates financial discipline and fosters goal-based approach.

Trigger SIP: 

This type of SIP is suitable for those with some knowledge and awareness of financial markets. An investor can set either an index level, event or a particular date to start this SIP. But this type of SIP is not desirable as it encourages speculation. 

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