Aadi Sharma
Addi Sharma is a well known author for a leading personal finance portal in India providing excellent financial planning, real estate services, and best health insurance, mediclaim policy in India.
Articles by Aadi Sharma
March 05, 2009
In the modern times, getting a health insurance for oneself and the family has become very essential. Given the fast pace, and sedentary lifestyles, chances are great that the health may fail or one might get injured in an accident or mishap. The rising cost of health and medical facilities can be taken care of by a health insurance policy if the need arises.
September 25, 2008
More and more people are going for health insurance and the health insurance companies are increasingly promoting their products. But do all the health insurance claims get approved? The answer is No, many persons who have taken health insurance find that their claims are denied by the insuring companies. What are the points one should keep in mind so that the claim is not denied? Here are few important ones
September 22, 2008
Listed below are some tips which will help you save more money by cutting down the fuel costs. If the recent slump in economy has hit you hard, these tips will definitely be very handy & provide some valuable cash, which can be diverted for other important expenses.
September 20, 2008
The annual operating costs of a car include fuel costs, tyres, replacement of parts, general maintenance and servicing costs, motor insurance and depreciation. Of these, fuel costs are the ones that are currently hurting car users the most because oil prices are at historical highs and are expected to stay around these levels. Now is the time for car owners to evaluate commuting habits and accordingly alter ones behaviour to offset the rising fuel costs.
September 16, 2008
Inflation in India is a worrying factor as compared to the general performance of the Indian economy. The inflation rate has spiraled to over 12% in the past few months. The prices of everything from food grains to apartment rentals to gas have sky-rocketed. Rising living costs not only affect your cash flow but also erode your savings considerably. Choose your investments carefully to protect your investment portfolio. A good investment plan should cushion your future consumption from price increase.
September 19, 2008
India is fast becoming a credit driven economy. Whether its home loans, personal loans, or credit card debt, all of us are using debt far more than was popular in our parents' generation. In this context, it is very important to build one's credit history, so that one can continue to have access to such types of loans. If you maintain a poor history of taking loans and not repaying them or delaying your repayment, your creditworthiness will suffer and you might not get a loan.
September 18, 2008
High salaries, fast lifestyle and latest gadgets are normal characteristics of the life of Indian youth in recent times. High economic growth rates have thrown up tremendous set of opportunities to earn and show talent. As a result the youth is working harder, smarter, earning a lot and spending it leisurely. Indeed a great situation to be in.
September 17, 2008
The marked downward trend of the stock markets after reaching its peak, due to various reasons, has definitely set the investors thinking. Under the given circumstances, the investor is looking for investments that would not eat into his savings. In times of such crisis the only safe place to park your money would be ´gold´. Gold is a real, tangible asset whose value does not go down like that of paper money. On the contrary, its value increases in tandem with the inflationary trend.
September 10, 2008
Buying a laptop becomes quite a confusing affair with myriad choices and configurations available in the market. Unless you are aware of what features you want, you might end up spending more than what you want. There is no end to how much you can spend on cutting edge technology – you need to ascertain what is the best buy for you based on your budget and requirements. With a little bit of prior financial planning and research, you can get the most suitable laptop for your needs.
August 28, 2008
Post retirement planning is also as important as retirement planning if not more. People are often confused when it comes to post retirement planning. The rising costs in almost every sector, be it health, lifestyle, travel, vacation, entertainment etc. have the potential to throw any budget out of gear.
August 28, 2008
Emergency financial situations can happen to anyone and any financial planning exercise is not worth without planning for such events. The entire idea of having an emergency fund is to provide a cushion against any unforeseen expense so that it doesn´t rip off the entire financial security and doesn´t adversely impact other necessary activities.
August 26, 2008
Identifying proper financial goals and planning to achieve them in a systematic way is the heart of financial planning. Without a proper chalked out financial plan, there are a lot of risks. Often we find people without a proper retirement corpus and no money to bank upon because they haven´t planned for it in advance.
August 26, 2008
Contrary to popular perception, financial planning involves much more than mere budgeting and is definitely an exercise which requires expert attention. Given the immense complexities of life, a complex financial marketplace, multifarious investment instruments, multiple short term and long terms financial goals, planning for a safe and worry free financial future is not an easy job.
August 18, 2008
The eligibility requirement for a NRI home loan varies from lender to lender. These eligibility requirements are totally at the discretion of respective banks and housing finance companies and can change without notice.
August 19, 2008
The normal rule is that banks and housing finance companies easily provide NRI home loans up-to 85% of the cost of the residential property. However, the upper limit of the loan amount sanctioned and the down payment will depend on various factors and can also vary from lender to lender.
August 19, 2008
NRIs can avail loans by mortgaging an existing residential property for meeting expenses related to business, travel, education, marriage, purchase of a property, renovation of a property, medical treatments etc.
August 20, 2008
The high home loan interest rates have forced the borrowers to think of prepayments. However, prepayment of home loans shouldn´t be just done impulsively. There are a lot of factors to consider before making a decision to prepay a home loan or not. Here are some basic things to consider.
August 20, 2008
Buying a home is one of the major decisions of one´s life and almost every body who takes a home loan has to go to a bank or financial institution to get his home financed. The money involved in a home loan is often a very big sum. Government of India has given some tax benefits on home loans in India to decrease the burden of buying a home in India. Here are 5 important facts about these tax benefits.