Deepak and I believe that a couple that manages their finances together grows together. While I know talking about money matters might not seem exactly romantic, having a stable financial base is definitely one factor that can help a relationship go the distance. If you are also a couple, here are a few things you can do : 1️⃣ Communicate Openly: -Discuss your financial goals, spending habits, and budget. -Have regular money talks to stay aligned and avoid misunderstandings. 2️⃣ Create a Joint Budget: -Establish a monthly budget that covers all shared expenses. -Use a fixed ratio based on income to contribute to household costs. 3️⃣ Separate and Joint Accounts: -Maintain individual accounts for personal spending. -Have a joint account for shared expenses and an emergency fund. 4️⃣ Plan for the Future: -Make a joint financial plan for retirement, travel, and other big goals. -Regularly review and adjust your plans as needed. 5️⃣ Optimize Taxes: -Take assets and debt in joint names to save on taxes. 6️⃣ Respect Spending Differences: -Understand and respect each other’s spending habits. -Find a balance that works for both of you. By talking about your finances openly and honestly, you can avoid misunderstandings, disagreements, and financial stress. So, don’t shy away from talking about money with your partner, and work together to achieve your financial dreams. If you also want to learn about how to build wealth as a family, then check out the link in my bio. [ Couplefinance relationship money investing tax ]
Red flags in a relationship!!
Groww Controversy Explained What Happened: In June 2024, a social media post went viral accusing Groww, an investment app, of taking money from a user’s account without making an investment. The user said they invested in a mutual fund through Groww, but couldn’t redeem it. They also claimed that Groww gave them a fake folio number for the investment. Groww’s Response: At first, Groww responded by giving back the disputed amount to the user as a goodwill gesture. They also mentioned that they were looking into the issue and would take necessary actions. Later, Groww also mentioned user never actually made the investment and no money was taken from their account. They explained the issue was due to a “reconciliation problem,” which made the user’s dashboard show incorrect information. Key Lessons: Check for Confirmation Emails: When you invest, you should get a confirmation email from the mutual fund house. Always check these emails and save them for your records. Review Investment Statements: Regularly check the quarterly statements from your broker. These show what investments you hold. Make sure they are correct. Use the CAMS App: The CAMS app helps track your mutual fund investments. It shows your portfolio, transaction history, and other important information Follow for more
Red Flag in a Relationship ( Male Version )
Will gold prices cross 1 lakh rupees? Gold has long been considered a safe-haven asset, and recent trends suggest it could be on the rise, because of these 3 possible reasons : 1. Increased Central Bank Buying: Over the past year, both China and India’s central banks have been significantly increasing their gold reserves. China alone has witnessed a 16% rise in its gold reserves in the last year. Meanwhile, our own Reserve Bank of India (RBI) has been proactive, purchasing as much gold in the first three months of this year as it did in the entire previous year. 2. Geopolitical Tensions: Recent escalations in tensions between Israel and Iran have prompted investors to seek refuge in gold. Historically, during times of war or recession, investors tend to divest from the stock market and flock towards safe-haven assets like gold. 3. Diversification from the Dollar: Major global players such as Russia, China, and India may adopt the Dollar 1 strategy. This entails reducing dependency on the US dollar by conducting a significant portion of their international trade in gold rather than dollars. This move could potentially decrease their vulnerability to fluctuations in the US dollar. What do you think? Let me know in the comments. [ Goldprices Nehanagar finance Investing dollar ]
As parents, we made a thoughtful decision not to host a traditional birthday party. Instead, we wanted to focus on instilling values that would shape her understanding of gratitude and simplicity from the very beginning, here is why Choosing Values Over Excess: Rather than indulging in extravagant celebrations with lavish gifts, we opted to emphasize the importance of appreciating meaningful experiences over material possessions. This decision reflects our belief that fostering gratitude and humility early on will guide her towards a more fulfilling life. Creating Meaningful Traditions: In place of elaborate parties, we initiated a new tradition centered around enriching experiences. This year, we took our daughter to Vrindavan, a place of spiritual significance. Here, we engaged in activities like meditation, yoga, and selfless service (seva) as a family. These activities not only deepened our bonds but also imparted invaluable lessons about mindfulness and compassion. Long-Term Benefits: Beyond the immediate savings in terms of money, this approach offers enduring benefits for our daughter’s emotional and personal development. By nurturing a sense of gratitude and simplicity, we aim to equip her with resilience and empathy, preparing her to navigate life’s challenges with grace and understanding. Follow for more
Married or not? Watch to know how to save money for the future! #personalfinance #marriage #financialeducation #finance #investment #couple
Dogecoin……..Bhaago!!
Paisa hi Paisa hoga 🥹
If you are planning for your parent’s or in-law’s retirement, then you need to watch this video! Annuity Deposit Schemes are a great way to give them a fixed monthly income without them having to work. Here’s how it works: 👉You make a one-time deposit (e.g., ₹5 lakh). 👉The bank pays them a monthly amount that includes interest on the remaining balance, a portion of the original deposit. This way, your parents and in-laws receive regular income while the principal amount gradually reduces. The biggest advantage is a steady income stream they’ll receive every month, providing financial security without them needing to work. Additionally, senior citizens qualify for higher interest rates on their deposits, further boosting their monthly income. But, yes the minimum deposit amount might vary (typically around ₹25,000) and you’ll choose a deposit term of 3, 5, 7, or 10 years. There’s no upper limit on how much you can deposit, allowing you to tailor the plan to your needs.
If you’re thinking of buying an AC, here are 5 tips to help you save money and choose the right one: 1.Determine the Right Size: Use this website to calculate the perfect AC size based on your room dimensions and sunlight exposure. 2.Calculate Monthly Costs: Use this formula to estimate your monthly electricity usage: kW of AC × Daily running hours × 30 or 31 days = Units per month. Example explained below. 3.Choose Inverter Over Non-Inverter: Inverter ACs are more energy-efficient and save on electricity bills compared to Non-Inverter ACs. 4.Star Rating Matters: For 5-6 hours of daily use, go for a 3 Star AC. For 8-10 hours, invest in a 5 Star AC to save on electricity costs. 5.Be Wary of Extra Charges: Clarify all costs with the shopkeeper to avoid hidden charges during installation. How to Calculate AC Power Consumption: Consider these three factors: ● AC’s power rating in kilowatts (KW). ● Daily running hours. ● The cost of 1 unit of electricity from your provider. Formula: kW of AC×Daily running hours×30 or 31 (days)=Units per monthtext{kW of AC} times text{Daily running hours} times 30 text{ or 31 (days)} = text{Units per month}kW of AC×Daily running hours×30 or 31 (days)=Units per month Example: 1.5 kW AC running 8 hours daily at ₹6 per unit cost: 1.5×8×30=360 units per month1.5 times 8 times 30 = 360 text{ units per month}1.5×8×30=360 units per month 360 units×₹6=₹2,880360 text{ units} times ₹6 = ₹2,880360 units×₹6=₹2,880 Still have any doubt, then write in the comment, would love to help you out Follow @iamnehanagar for more.
Don’t buy gold jewellery without reading this. How do you ensure that the gold jewellery you’re buying is genuine or fake? Here are two foolproof ways to verify the authenticity of your gold: Step 1: Check for the jeweller’s BIS registration. -BIS Certification: The jeweller should be registered with the Bureau of Indian Standards (BIS). Look for the BIS sign on the shop’s board. -Hallmark and HUID: Every piece of jewelry should have a hallmark. Additionally, check for the 6-digit HUID (Hallmark Unique Identification), which is unique to each piece. Step 2: Always Get a Proper Bill -Invoice: Ensure you get a detailed bill from the jeweler. This serves as proof of purchase and guarantees authenticity. Step 3: Use the BIS Care App -Download the App: First, download the BIS Care app from your app store. -Verify HUID: Open the app, click on ‘Verify HUID’, and enter the 6-digit unique number. -Details on Screen: The app will display all the details, including the jeweller’s name, hallmark centre name, name of the article, and its carat value. With these steps, you can ensure that the gold you buy is genuine and avoid falling victim to scams. Remember, always verify before you buy! Follow for more.
A day with NSE 😂
We hosted one of the best brains in the creator economy. Recently, I had the incredible opportunity to host @nasdaily in our digiWhistle office. It wasn’t just a meet-and-greet; it was an insightful session that left us feeling energised and inspired. Nas shared his thoughts and experiences about the creator economy, giving us a lot to think about. I personally felt inspired by his journey, He is one of the most popular content creators on social media, with over 66 million followers. But his success story is quite unique. Nas Daily, whose real name is Nuseir Yassin, set out on a mission to make and share a one-minute video every day for 1,000 days. This bold idea was driven by his passion and a desire to connect with people all over the world. The beginning was not easy. For the first 500 days, Nas didn’t make any money from his videos. He spent all his $60,000 savings on the project, believing in his vision and getting support from his growing audience. Things changed in 2017 when Facebook allowed creators to earn money from their videos. By the end of his 1,000-day challenge, Nas’s net worth was around $900,000. He used that money to start his own video production company called Nas Studios, an educational platform called Nas Academy, and a tool to help other creators make money called Nas.io. What’s really cool is that Nas doesn’t keep all that money for himself. He puts most of it back into his businesses, hiring more people and making them bigger. This shows how much he cares about helping other creators succeed. Nas Daily is an inspiration for aspiring creators and entrepreneurs everywhere. I really liked him, whatever he is doing, and I look forward to meeting him again.
We hosted one of the best brains in the creator economy. Recently, I had the incredible opportunity to host @nasdaily in our digiWhistle office. It wasn’t just a meet-and-greet; it was an insightful session that left us feeling energised and inspired. Nas shared his thoughts and experiences about the creator economy, giving us a lot to think about. I personally felt inspired by his journey, He is one of the most popular content creators on social media, with over 66 million followers. But his success story is quite unique. Nas Daily, whose real name is Nuseir Yassin, set out on a mission to make and share a one-minute video every day for 1,000 days. This bold idea was driven by his passion and a desire to connect with people all over the world. The beginning was not easy. For the first 500 days, Nas didn’t make any money from his videos. He spent all his $60,000 savings on the project, believing in his vision and getting support from his growing audience. Things changed in 2017 when Facebook allowed creators to earn money from their videos. By the end of his 1,000-day challenge, Nas’s net worth was around $900,000. He used that money to start his own video production company called Nas Studios, an educational platform called Nas Academy, and a tool to help other creators make money called Nas.io. What’s really cool is that Nas doesn’t keep all that money for himself. He puts most of it back into his businesses, hiring more people and making them bigger. This shows how much he cares about helping other creators succeed. Nas Daily is an inspiration for aspiring creators and entrepreneurs everywhere. I really liked him, whatever he is doing, and I look forward to meeting him again.
We hosted one of the best brains in the creator economy. Recently, I had the incredible opportunity to host @nasdaily in our digiWhistle office. It wasn’t just a meet-and-greet; it was an insightful session that left us feeling energised and inspired. Nas shared his thoughts and experiences about the creator economy, giving us a lot to think about. I personally felt inspired by his journey, He is one of the most popular content creators on social media, with over 66 million followers. But his success story is quite unique. Nas Daily, whose real name is Nuseir Yassin, set out on a mission to make and share a one-minute video every day for 1,000 days. This bold idea was driven by his passion and a desire to connect with people all over the world. The beginning was not easy. For the first 500 days, Nas didn’t make any money from his videos. He spent all his $60,000 savings on the project, believing in his vision and getting support from his growing audience. Things changed in 2017 when Facebook allowed creators to earn money from their videos. By the end of his 1,000-day challenge, Nas’s net worth was around $900,000. He used that money to start his own video production company called Nas Studios, an educational platform called Nas Academy, and a tool to help other creators make money called Nas.io. What’s really cool is that Nas doesn’t keep all that money for himself. He puts most of it back into his businesses, hiring more people and making them bigger. This shows how much he cares about helping other creators succeed. Nas Daily is an inspiration for aspiring creators and entrepreneurs everywhere. I really liked him, whatever he is doing, and I look forward to meeting him again.
Don’t pay off your loan without reading this. Thinking about paying off a loan early? Pause for a moment! Let me break it down for you. Lots of folks take out long-term loans to make their monthly payments smaller, hoping to pay off the loan when they have more money. But here’s the thing – banks aren’t going to make it easy! Imagine this: you borrowed ₹10 lakh for a car, paying 9% interest over 7 years. Your monthly payment is ₹16,089. Now, let’s say you decide to pay it off after just 4 years. The total you’d have to pay? A whopping ₹12,78,229! Here’s the breakdown: ₹7,72,272 for your 4 years of payments (₹16,089 * 48), plus ₹5,05,957 for the rest of the loan. But here’s the kicker: If you had taken a 4-year loan from the start, you’d only have to pay ₹11,94,480. That’s a big difference of ₹84,749, plus you’d have to pay extra charges for closing the loan early, adding up to almost ₹1 lakh in losses! Why is there such a big difference? Because in the beginning, most of your payments go towards paying interest, making sure the bank doesn’t lose out if you pay early. So, when you’re taking out a loan, make sure you choose a term that you can handle without getting stuck with extra costs later on. [ NehaNagar MoneyTips LoanAdvice WatchOutForInterest Finance]
Protect Yourself from False Dowry Cases: Essential Precautions for Marriage Marriage is a sacred bond, but unfortunately, some individuals exploit it for personal gain. False dowry cases have become a growing concern, causing immense distress to innocent individuals and their families. To safeguard yourself and your loved ones, it is crucial to take proactive measures and be aware of your rights. In this post, we will discuss the precautions you can take to protect yourself from false dowry cases during marriage. #education #finanace #money #information #awareness #nehanagar #iamnehanagar #legalbaba #iamlegalbaba
Kyu Raja Ji ?
Want the highest returns on your Fixed Deposit? Try these 3 simple hacks! Small Finance Banks: Did you know that Small Finance Banks often offer 1-1.5% higher interest rates on FDs compared to regular banks? This is a great way to maximize your returns while keeping your money safe, as deposits up to ₹5 lakh are insured by the DICGC. Make your money work harder for you without compromising on security! FD Laddering: Instead of putting all your savings into a single FD, consider FD laddering. This strategy involves dividing your investment into multiple FDs with different maturities. For example, if you have ₹3 lakh to invest, split it into three FDs of ₹1 lakh each with 1-year, 2-year, and 3-year terms. This approach provides you with annual liquidity and the flexibility to reinvest at potentially higher rates or use the funds as needed when each FD matures. Best Time to Invest in FDs: Right now, FD rates are at multi-year highs, making it an ideal time to lock in those attractive rates. However, the RBI might lower interest rates in the future, which could decrease FD rates as well. Don’t miss this opportunity to secure higher returns while they last! Use the InCred Money App: Finding the best FD rates has never been easier! The InCred Money app allows you to compare FD rates from different banks and start investing with just ₹5,000. This way, you can ensure you’re getting the highest possible returns on your fixed deposits. Invest smartly and make the most out of your savings with these expert tips. Download the InCred Money app now and start maximizing your FD returns today! 🔗 Link in bio. [ FD FixedDeposit Investment Savings PersonalFinance InCredMoney SmartInvesting ]
India mein Aaj bhi around 44% logo ko shaadi arrange marriage hoti hai.. Families ladke aur ladki ko milwate hai, dono ko pasand aa gayi, families ko pasand aa gaye aur rishta pakka.. Aaj bhi shaadi ke pehle money talks karna ek taboo hai iss country mein.. Jabki iss generation ke liye toh money talks sabse jyada important hai. Kyunki hum first generation hai jaha ladka ladki dono earn karte hai, apna career bana rahe hai.. Aur Aaj kal ke expenses.. Har saal foreign trips, nayi car, dream Home, ye saare financial goals bhi achieve karne hai.. Toh talking about money and planning your finances as a couple is very important to ensure a secure future for your family.. Register my course “Master Your Money with Honey” to learn everything about how to plan your Investments, Taxes, Insurance as a couple and much more.. Link in Bio
Watch the video to know how I save on my monthly groceries! With Amazon Fresh, you not only save upto 45%, but also get groceries that are sourced from farmers and pass a 4 step quality check before reaching you! And you get exciting cashback & bank offers as well. You can use those extra savings to invest in a SIP, and you could grow your wealth by almost 19 lakhs in 10 years, just from grocery savings! Choose Amazon Fresh, Bhulna Mat, Nahi Toh Mehenga Padega #NahiTohMehengaPadega #finance
Double your sales in 10 minutes. Running a store for years, but sales flatlining? Just like Mr. Tiwari’s shop. His competitors went online and doubled their sales! But no worries, Odoo can fix that. Odoo’s eCommerce app lets you build your online store in minutes. Add products, manage payments, and watch your sales soar! That too for FREE, as the first app you use at Odoo will be FREE forever for unlimited users! You get FREE hosting and customer support, for lifetime and even get your custom domain FREE for the first year! Check the link in my bio . #Ecom #business #Odoo @odoo.official
New Rule To Protect Small Businesses! From April 1st, large companies must pay small businesses (MSMEs) within 45 days by law. Late payments mean these companies can’t deduct the expense from their taxes, leading to higher tax payments. So it’s in everyone’s best interest to get those invoices paid quickly! ⏰ With Odoo, you can create professional invoices and track them easily. Odoo is an all-in-one business management platform that takes care of all your business needs. And the 1st app is always free! How to Create an Invoice on Odoo: Choose Invoicing and create your database. Enter customer details and product information. Your invoice is ready! Odoo also helps manage expenses, projects, CRM, and more. Boost your business online with Odoo today! Check the link in bio..
