Statement of Cash Flow and Free Cash Flow

A Cash Flow Statement gives a good clue on company's financial health. But understanding Free Cash Flow (FCF) is even more penetrating. Read on..

Analysing Promoter Shareholding Patterns for your Stocks with Real Examples

It makes sense to keep track of what promoters are doing with their shares. It may give you a clue about where the company is headed. Let us see how to look at promoters shareholding patterns (and beyond just the data) with real life examples.

7 Reasons why Kalpavriksha is one of the World's Most Transparent Organisations

This was a dream project, and one of my strongest reasons to take Financial Freedom. Started in 2016 with 2 trees in a nearby park, today we have reached close to 2,000 trees spread across the length and breadth of this great nation - with donations landing from across the globe.

What makes Kalpavriskha one of the most trusted and transparent organisations, not only in India, but across the globe?

What is Economic Moat and 5 Ways to Spot Companies with Moat

You can crunch all the numbers, but numbers will always represent history. Ironically, you are buying Stocks for future gains. And history can never guarantee future. Fortunately, MOAT is one of the factors that tries to defend the historical numbers - in the future.

Inflation - A Destructive Reciprocal of Compounding

Albert Einstein once defined Compounding as the 8th Wonder of the World. 100% agreed. 

I would define Inflation as a 'Destructive Reciprocal of Compounding'. 

Inflation is as powerful as Compounding (assuming you understand the power of compounding) - just that it is destructive in nature, and is ignored even more than Compounding. 

If you think that you understand Inflation even today, you might just be making the biggest mistake of your financial life.

Read on...

Repo Rate vs MCLR linked Home Loans

With the recent introduction of 'Repo Rate' based Home Loans from the existing 'MCLR based' Home Loans, the Home Loans are set to change - yet again.
Read on to know more..

The Cost of Lost Opportunity

During vacations, you may decide to visit a hill station, but it comes at the cost of losing the charm of a serene beach. Alternatively, you might decide to go and explore the historical monuments to marvel at their architecture, but it also comes at the cost of losing the fun and awesomeness of visiting a modern theme park.

Here is another one. You might not take any decision, or decide not to go anywhere, but at the cost of all the fun, excitement, serenity, chillness, awesomeness and everything above.

There is a cost attached with every decision, or even a 'no-decision'. And that is the Cost of 'Lost Opportunity'. Let us study how it applies to your personal finance.

Announcing 2 National Bestsellers, exemplifying the beauty of Delayed Gratification

                      

 

There is something about delayed gratification that pulls a person desperately towards it, and pushes the other person out to the extent that one tends to hate it. 

The difference lies, perhaps, in whether you have understood how nature plays delayed gratification in every walk of life. 

Once you understand it, and start to love it - you will be the biggest beneficiary, as it unfolds its magic in your life..

What are Quant Funds, and why are they NOT an outright success?

Automation is taking over many highly paid jobs around the world and money management may be no exception. One illustration of this phenomenon is Quant funds.

Holding Mutual Funds in Demat Vs SOA Format

Mutual Funds can be held either in de-materialized account or as statement of account (SOA). Both forms are digitized. There are no paper certificates. Then, how do we know which form is better for us.