Sudhir Sahay is a Sales and Marketing executive and a father of two young men. Sudhir hopes to share his journey building basic financial literacy for his children and providing savings and investing advice to their friends and peers.
How to Build Stability in Fixed Income Earnings with a Bond Ladder
The fixed income market is going crazy right now. The second- and third-largest bank failures in US history have taken place this month so people are questioning the safety of bank deposits. In addition, we’re seeing historic changes in interest rates as last week saw the third-largest decrease in 2-year treasury rates in 40 years. With all this volatility, how do you ensure safety and stability in earnings from what should be a safe, income-generating part of your portfolio: fixed-income?
Use Your Raises to Maximize Savings in a "Pay Yourself First Budget"
Saving and investing money is hard. That’s why so many people don’t do it. However, it is critical for your long-term financial health, so you need to not just develop that habit but increase your savings over time. Today’s post is about a twist to the Pay Yourself First Budgeting I recently wrote about (Pay Yourself First Budgeting: Build Automated Savings and Investment Into Your Budget) which will further increase your savings while at the same time giving you more spending money.
How to Maximize Your After-tax Returns on Cash with Short-term Treasury Bills
Finally, after 15 years of financial repression in a world of zero interest rates, cash is now able to earn an good return. But, what are safe ways to maximize your interest earnings? Today's post is about Treasury bills and how they can safely maximize after-tax return while still retaining your liquidity.
What is Dollar Cost Averaging and How Can It Help You Maximize Investment Returns
Buying low and selling high is how one maximizes investment returns. But how can I consistently buy low when asset prices change all the time? Haven't I been taught that trying to time the market is a fool's errand?
How to Prioritize Your Savings
Congratulations: You’ve decided to start saving money. I’ve been repeating this lesson in many of my posts — good financial management maximizes your savings and investment. It’s really heartening to see that you’ve made the decision to start saving money.
Pay Yourself First Budgeting: Build Automated Savings and Investment Into Your Budget
Saving and investing is a key part of managing one’s finances. Today’s post is about a simple way that will make it easy for you to save and invest the largest amount of money without impacting your quality of life.
How to Network With LinkedIn and Land the Internship or Job Offer of Your Dream
"It's really hard to get an internship, especially when you're in the first year of college." - My son Internships are a critical part of gaining experience and building one's skills. However, getting an internship is very difficult. Today's article is about using LinkedIn to improve your odds of landing your dream internship. These same tips are also relevant for finding full-time jobs.
A Simple Formula for Long-term Financial Success (Visualized)
Why don't people put effort into managing their household finances? That's a question I've been thinking a lot about recently. I've asked a number of people that question and the answers I get cluster around "difficult" and "complicated". So I'm writing today's post to dispel one misconception - managing your finances is not that complicated.