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A reader says, “Could you please consider writing or making a video on how investors can think about allocating across: (a) FD + Liquid Funds for near-term needs/emergency fund (1-2 Years), (b) Medium Duration Funds (2-3 years), and (c)Credit Risk Funds for medium-term goals (3–5 years), particularly for those in the 30% tax slab who… The post A Debt Investment Strategy for 30% Tax Slab Investors appeared first on freefincal.
Do you find yourself saying I need money now? There are a lot of ways to get cash quickly and make money fast. Try a couple of them and see how you like it! The world has dramatically changed over the last couple of years. People all over the world are saying I need money now and desperately need it to make it to the end of the month. You’re not alone. Many people face […]
Image source: shutterstock.com Shakespeare said, “Neither a borrower nor a lender be.” He was right. Lending money to a friend is a noble gesture that often ends in disaster. You want to help, but money changes dynamics. It introduces a power imbalance in the relationship. The lender feels awkward, and the borrower feels judged. Resentment builds silently until the friendship snaps. You often lose both the money and the friend. Here are ten scenarios where […]
Image Source: Shutterstock The loudest conversations about artificial intelligence focus on apocalyptic scenarios: machines turning against humanity, mass unemployment, or runaway superintelligence. But the most dangerous risk is quieter, subtler, and already unfolding. AI isn’t stealing our agency through force; it’s eroding it through convenience. Each time we outsource thinking, judgment, or creativity to a system, we weaken the very muscles that make us human. The danger isn’t that AI will suddenly become uncontrollable… It’s […]
Image Source: Shutterstock As my wife and I come up on 10 years together, I often think about what makes us a “successful” couple. By successful, I mean we are relatively happy, enjoy each other’s company, and deal with stressors in a healthy manner. Not every relationship has what it needs to survive long-term, though. True compatibility isn’t about being identical. You have to be willing to work in harmony, even when life gets messy […]
Image source: shutterstock.com We often think millionaires are just lucky. For example, we assume they inherited wealth or hit the lottery. While that happens occasionally, most wealth is actually built through discipline. In fact, it is the result of boring, consistent daily habits. Furthermore, you don’t need a six-figure salary to adopt a millionaire mindset. Instead, you just need to change how you spend your time and money. Wealth isn’t an act; it is a […]
Image Source: Shutterstock As teenagers, many men struggle to figure out their hygiene routines. It can be hard, and hormones make you… smell. However, many guys don’t ever quite figure it out. It’s not about expensive grooming products or complicated routines. You just need to be consistent with the basics. Neglecting even a single step can lead to bad impressions, health issues, and lost confidence. The truth is, people notice the details more than you think, […]
Image source: shutterstock.com Inflation is the silent thief of retirement. You work for decades to save a nest egg. Then, rising prices slowly erode its value. A million dollars today won’t buy the same lifestyle in twenty years. Ignoring this reality is a dangerous financial mistake. You cannot just stuff cash in a mattress. You need a strategy that outpaces the cost of living. Your money must work as hard as you did. Here are […]
Image Source: Shutterstock Picture this: you’ve finally cracked the code. Your freelance gig, whether it’s designing logos, editing podcasts, or ghostwriting blog posts, pulls in a cool $10,000 this year. You’re high‑fiving yourself, imagining new gear, maybe a vacation, or just the sweet relief of not living invoice to invoice. Then tax season arrives. And suddenly, Uncle Sam is standing in your doorway with a clipboard, politely reminding you that your “extra” $10,000 is taxable […]
Image Source: Shutterstock If you’re a freelancer, you’ve probably negotiated many contracts with clients. But are you reading contract clauses thoroughly? If you aren’t careful, your time and payment could be at stake. Many agreements contain hidden clauses that determine ownership rights and how, and if, you are paid. These clauses are often buried in the fine print. So, you may be working for free without realizing it. Understanding contract language is essential to avoid […]
Hollywood has always been a place where romance burns bright and sometimes fizzles just as quickly. The allure of fame, fortune, and fast-paced lifestyles often leads stars to walk down the aisle multiple times. While the headlines usually focus on the drama of divorce, there’s another side worth exploring: what these stars actually gained from their splits. From personal growth to career reinvention, the most married celebrities prove that endings can spark new beginnings. Their […]
Image Source: Shutterstock You’ve probably seen company offers online like, “share with a friend and get $30.” Referral bonuses became one of the easiest ways for people to earn extra cash in the past decade. And almost every business sector offered them. Companies, from ride‑share apps to banks, offered cash rewards for bringing in new customers. Many influencers embraced these programs as simple side hustles. The bonuses often required little effort beyond sharing a custom […]
Are you looking forward to retirement? Do you imagine peaceful days spent socializing with family and friends, pursuing hobbies, and catching up on things you put off during a long career with limited time off? While we all long for those days, you may look at your bank account and bills and wonder if they’ll ever … Read more