Skip to primary content
Skip to secondary content

Monika Halan's blog

Hand's-free money management

Monika Halan's blog

Main menu

  • Home
  • About
    • About
  • TV Shows

Monthly Archives: January 2015

All carrot and no stick makes the market an unsafe place

Posted on January 27, 2015 by monikahalan
Reply

What role do incentives play in directing the flow of financial products into household portfolios? One way to answer this question is to look at data on retail financial products that have seen incentives change over the past 10 years and look at the direction of the flow of money. We can do this for two sets of investment products—pure asset management products such as mutual funds, and insurance-embedded investment products in the form of life insurance policies. There are now several data points that we can map given that privatization in mutual funds is more than 20 years old and that in insurance is 15 years old, and there have been regulatory changes in incentive structures in both products over the past decade.

Read more

 

Share this:

  • Share on Tumblr
  • Tweet
  • Print
  • Email

Like this:

Like Loading...
Posted in Expense Account, Personal Finance, Uncategorized | Tagged Expense Account, Fines, Personal Finance, regulators | Leave a reply

In search of rule of law. But who will make the new laws?

Posted on January 20, 2015 by monikahalan
Reply

An average middle class family in an Indian metro runs its own mini infrastructure to maintain the bubble created to run mass affluent lives. To get clean water we use reverse osmosis machines or trust that the bottles of branded water that we stick upside down on a water dispenser are actually not just tap water. We run inverters for power back-up. We don’t like the government schools so we send our kids to private schools. We don’t trust the government medical services so we use the private ones. Public transport is yet not fully connecting all the dots so we have our own cars. We can safely add at least 10-15% to our monthly budgets as maintenance cost for the bubble existence.

Read more

 

Share this:

  • Share on Tumblr
  • Tweet
  • Print
  • Email

Like this:

Like Loading...
Posted in Expense Account, Uncategorized | Tagged Expense Account, monika, Personal Finance, Who makes the law | Leave a reply

Consumer protection draft will need a DNA change in Irda

Posted on January 13, 2015 by monikahalan
Reply

The impact of the Financial Sector Legislative Reforms Commission (FSLRC) report is already visible in the rush by regulators to put in place consumer protection measures. The Reserve Bank of India’s Charter of Customer Rights (http://goo.gl/ISKD68 ) was released on 3 December 2014, and the Insurance Regualtory and Development Authority of India’s draft Protection of Policyholders’ Interests (PPI) on 26 December. Comments on the latter will be accepted till 19 January at http://goo.gl/dVOIGL.

Read more

 

Share this:

  • Share on Tumblr
  • Tweet
  • Print
  • Email

Like this:

Like Loading...
Posted in Expense Account, Personal Finance | Tagged Expense Account, IFC, Personal Finance, regulators | Leave a reply

Your money in 2015—the two-step way to financial health

Posted on January 6, 2015 by monikahalan
Reply

I recently learnt a very important lesson in goal-setting and habit-forming from a medical doctor. A persistent bad back has me visiting the orthopedics more than I like. They all say the same thing—regular exercise is your panacea. Not marathon running but just a simple, regular workout. I find that I begin well enough, but two months later regress into inaction. Travel, the big destroyer of routines, is the usual excuse for not finding the 30-40 minutes to do what is needed. Then this one guy sits me down and tells me: just do these three exercises. Do them twice a day. Don’t skip. Don’t do more if you have no time. Don’t do three sets of 10 each if you don’t have time. Do each just once. But do them. I hear him. And start. That’s it. The goal became smaller. Much more manageable, and one that did not require a full 30-40 minute time slot in the morning. I find that when one set is done, there is always space to do one more. And when three exercises are done there is always the space to do 10 more.

Read more

 

Share this:

  • Share on Tumblr
  • Tweet
  • Print
  • Email

Like this:

Like Loading...
Posted in Expense Account, Investments, Personal Finance, Uncategorized | Tagged #investing, Expense Account, Personal Finance, Your money in 2015 | Leave a reply

Archives

  • August 2022
  • May 2022
  • January 2022
  • September 2021
  • July 2021
  • June 2021
  • May 2021
  • April 2021
  • March 2021
  • February 2021
  • January 2021
  • December 2020
  • November 2020
  • October 2020
  • September 2020
  • August 2020
  • July 2020
  • June 2020
  • May 2020
  • April 2020
  • March 2020
  • February 2020
  • January 2020
  • December 2019
  • November 2019
  • October 2019
  • September 2019
  • August 2019
  • July 2019
  • June 2019
  • May 2019
  • April 2019
  • March 2019
  • February 2019
  • January 2019
  • December 2018
  • November 2018
  • October 2018
  • September 2018
  • August 2018
  • July 2018
  • June 2018
  • May 2018
  • April 2018
  • March 2018
  • February 2018
  • January 2018
  • December 2017
  • November 2017
  • October 2017
  • September 2017
  • August 2017
  • July 2017
  • June 2017
  • May 2017
  • April 2017
  • March 2017
  • February 2017
  • January 2017
  • December 2016
  • November 2016
  • October 2016
  • September 2016
  • August 2016
  • July 2016
  • June 2016
  • May 2016
  • April 2016
  • March 2016
  • February 2016
  • January 2016
  • December 2015
  • November 2015
  • October 2015
  • September 2015
  • August 2015
  • July 2015
  • June 2015
  • May 2015
  • April 2015
  • March 2015
  • February 2015
  • January 2015
  • November 2014
  • October 2014
  • September 2014
  • August 2014
  • July 2014
  • June 2014
  • May 2014
  • April 2014
  • March 2014
  • February 2014
  • January 2014
  • December 2013
  • November 2013
  • October 2013
  • September 2013
  • August 2013
  • July 2013
  • June 2013
  • May 2013
  • April 2013
  • March 2013
  • February 2013
  • January 2013
  • December 2012
  • November 2012
  • October 2012
  • September 2012
  • August 2012
  • July 2012
  • June 2012
  • May 2012
  • April 2012
  • March 2012
  • February 2012
  • January 2012
  • December 2011
  • October 2011
  • September 2011
  • July 2011
  • June 2011
  • May 2011
  • April 2011
  • March 2011
  • February 2011
  • January 2011
  • December 2010
  • November 2010
  • October 2010
  • September 2010
  • August 2010
  • July 2010
  • June 2010
  • May 2010
  • April 2010
  • March 2010
  • February 2010
  • January 2010
  • December 2009
  • November 2009
  • October 2009
  • September 2009
  • August 2009
  • July 2009
  • June 2009
  • May 2009
  • April 2009
  • March 2009
  • July 201

Meta

  • Register
  • Log in
Create a free website or blog at WordPress.com.
Privacy & Cookies: This site uses cookies. By continuing to use this website, you agree to their use.
To find out more, including how to control cookies, see here: Cookie Policy
  • Follow Following
    • Monika Halan's blog
    • Join 399 other followers
    • Already have a WordPress.com account? Log in now.
    • Monika Halan's blog
    • Customize
    • Follow Following
    • Sign up
    • Log in
    • Report this content
    • View site in Reader
    • Manage subscriptions
    • Collapse this bar
%d bloggers like this: