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Financial Behavior Investment

Greed/Fear and The Urge to Time the Market

The two most dominant drivers in the market of investments are the generally inseparable emotions of Greed and Fear. Despite best efforts, it is difficult to prevent these emotions from influencing our decision making. Greed and Fear propel every investors urge to time the market. But  like all other emotions, it would be difficult to […]

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Financial Behavior Savings

Pay Yourself First – Save Before You Spend !

A farmer sows seeds and nourishes the fields over time to ensure that the seed grows into the desired crop. After harvest he sets aside some of the grains seed purposes, and uses/sells the balance. If he does not retain some grain as seeds, he would have to buy from the market to sow in […]

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Financial Behavior

Is Brand Consciousness, Hurting You Financially?

We all own several items of utility and leisure of different brands. Many similar items tends to meet the same basic need, however, their costs differ on account of several reasons. One of them being the Brand of the item. When we are Brand Conscious, we assume that our other concerns like quality and reliability […]

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Credit Financial Behavior Retirement Savings

Monetary & Lifestyle Inflation-The Killer Combo

Inflation is a very commonly heard word and assumed to be understood well. However, not everyone factors that understanding into financial decision making, thereby overestimating returns or under estimating objectives. We further compound the effect of inflation when we fail to calibrate our lifestyle according to our affordability. What is Monetary Inflation? In simple words […]

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Credit Financial Behavior

Are you using your Credit Card Smartly ?

We all have heard from our elders and been taught in our formative years that we shall live within our means.  That remains the guiding mantra, and in no way do I intend to motivate anyone to take credit. But even while living within our means, we can make safe and smart use of Credit […]