Our food habits, dressing style, and social etiquette all such aspects of our lives are influenced by the process of socialization. We learn and implement all these ideas on the basis of our interactions with our friends and family. Similarly the financial decisions we take are essentially controlled by non – financial factors. Individual characteristics…Details
Every individual on an average faces at least three emergencies during their life time. These emergencies could range from a job loss to a health scare. It is important to make sure that money is the last thing one has to worry about during such stressful times. Building an emergency fund is the primary step…Details
Gold has reached its all time high in November 2012 in India. However, it has been on a decline since then. Recovery signs from US and the corresponding strength and growth shown by the equity markets ensured that the flow of money changed direction from gold to equity. As a result of the buoyant…Details
Observing the macroeconomic numbers of 2012, the expectations around global economic recovery in 2013 were set very low. The economic indicators of the major economies were in sync with the expectation set. Only United States defied the odds and started posing the signs of recovery. The US economy came out from the fears surrounding…Details
The equity markets in United States posted record gains in the month of March. Signs of economic recovery and strengthening activity among major economic indicators encouraged investors to favor the equities. Despite the federal budget cuts implemented by acceptance of sequester bill during the last month, the investor’s sentiments were riding high because of the…Details
The deadlock in Euro zone and relatively slow economic growth rate of China are negatively impacting the commodity markets.
Surge in US equities helped the oil prices post gains in the month of March. Relatively lower US unemployment data, better performance by private sector started the upbeat of oil prices. The positive US economic data increased the sentiments around recovery prospects. The sentiments about recovery prompted hopes around more demand for crude oil in…Details
The yellow metal is facing pressure in the form of positive economic data from US and lesser demand from China and India..
Increasing confidence in the US economy and Strong dollar made investors favor the US dollar over the yellow metal during the month of March. There was a further downward pressure on Gold during the first week with lesser demand from both China and India. With India eyeing to reduce its record high CAD, the bullion…Details
The great Indian dream, owning a home, is an aspiration of almost everyone in the country. However, the impact on personal finances for going after this dream could have substantial negative down side. While, renting home is not always considered an aspiration, the positive impacts on personal finance are significant. A typical middle class family…Details
Table of Contents Summary 1.Introduction 2. Methodology 3.Assumptions 4.Findings 4.1 Historical data of Real estate prices 4.2 Property Cost vs Rental Value 4.3 Down Payment 4.4 Area 4.5 Rent to Buy Ratio 4.6 Break Even Horizon 5 ArthaYantra Buy vs Rent Score (ABRSTM) 6. Other Important Numbers 7.Conclusion 8.Limitations and…Details
Table of Contents Summary 3 1. Introduction 6 2. Methodology 7 3. Assumptions 8 4. Findings 4.1 Historical data of Real estate prices 9 4.2 Property Cost vs Rental Value 10 4.3 Down Payment 12 4.4 Area 13 4.5 Rent to Buy Ratio 14 4.6 Break Even Horizon 15 5 ArthaYantra Buy vs Rent Score…Details