Follow these steps to avoid last-minute surprises while claiming your mediclaim -- via cashless or reimbursement method, says P V Subramanyam

P V Subramanyam clears some misconceptions about debt funds.

Here are some golden nuggets when it comes to creating wealth. Read them and if you find yourself saying, 'This everybody knows', cross your heart and ask yourself how many times you have forgotten these simple rules, says P V Subramanyam.

When you are under social, peer, parental, sibling, marital pressure to buy a house direct them to this article, says P V Subramanyam

One can't run away from death so this is the time that YOU must create your own death file. P V Subramanyam explains what you must know about this most essential financial tool.

Do you know what tax-loss harvesting is? Does it help you save tax? Financial planning expert P V Subramanyam offers all the answers.

A resolution which says 'I will be more organised' is not a good one, but a resolution which says 'I will keep my clothes and papers in an organised manner, make my bed, have bath at a regular time, eat at a fixed time, go the gym at a fixed hour and go to bed at a stipulated hour' is a far better resolution, points out P V Subramanyam.

While financial planning is good for you, the process which a planner can put you through is not so great, observes financial planner P V Subramanyam.

The amazing excuses given by people who don't invest their money abound, but you would be wise to ignore them. Excuses won't help you get ahead; they can only hold you back from the retirement you deserve, says financial planning advisor P V Subramanyam

Is it a good idea to give Rs 1 crore to someone who promises you a return of 24% per annum, wonders financial advisor P V Subramanyam.

Youngsters must remember education is their BIGGEST investment EVER: Their lifelong income-earning provider! asserts CA P V Subramanyam.

P V Subramanyam takes a hard look at the pros and cons of both options.

I am increasingly seeing young people starting 25-year-SIPs; these kids will definitely benefit from the long term effect of compounding, notes P V Subramanyam.

'People try to repay the BIGGEST LOAN first. Actually, you should repay the most expensive loan first.'

This is a post that should be read by all those above 23. If you did not read this at 23, then read it now.

You start hearing financial jargons and promises of the moon from him

If you are in your 20s, renting out an apartment and under pressure from parents and peers to buy that dream home, just make these solid arguments to tell them why it just doesn't make any sense!

Ignore these and you will end holding duds

Do you want a blunt answer? My experience tells me that the greatest challenge to overcome is inertia -- not resources or understanding. Get off your butt and make that first investment, advises P V Subramanyam.

Most of the investing risk comes from the amazingly wrong, stupid, egoistic assumptions that we make. Here are four of them...