Personal finance is the financial management that an individual or a family unit performs to budget, save, and spend monetary resources in a controlled manner, taking into account various financial risks and future life events.
YOLO, FIRE, YONO, in recent years, these 3 financial lifestyle concepts have gained popularity : Each represents a different approach to money, lifestyle, and long-term planning. Understanding these concepts can help you choose the right financial path based on your goals and priorities. Let’s take a deeper look at each and explore their benefits, drawbacks, … Read more
Financial statements play a crucial role in assessing a company’s financial health and making informed investment decisions. However, for beginners, the complexity of numbers and financial terms can be overwhelming. This guide will help you understand how to interpret financial statements and which key factors investors should focus on. What Are Financial Statements? Financial statements … Read more
We often hear the term “Financial Freedom”. Many people think of it as simply “not having to work,” but financial freedom is more than just accumulating wealth. It means having the ability to live the life you want without being constrained by money. Achieving financial freedom requires clear goals and a strategic approach. 1. Definition … Read more
IPO (Initial Public Offering) is one of the most effective methods for ways to raise additional capitals to expand company operations. Simply put, an IPO is the process by which a private company sells its shares to the public and gets listed on a stock exchange. This event presents significant opportunities for both businesses and … Read more
Rights Issue and Bonus Issue : Meaning and Differences in the Stock Market One of the key concepts frequently encountered in the stock market is the “Rights Issue” and “Bonus Issue”. While these terms may be familiar to investors, fully understanding their implications and utilizing them effectively is another matter. When a company issues new … Read more
When companies restructure, one common approach is corporate spin-offs. These are primarily categorized into equity spin-offs and asset spin-offs, each significantly impacting legal structures, shareholder compositions, and management strategies. In this article, we will explore the differences between equity and asset spin-offs and analyze why companies adopt these strategies. What Is a Corporate Spin-Off? A … Read more
Stock Split : Impact on Share Prices and Investment Strategies If you have ever followed the stock market, you have likely come across the term “stock split.” When large corporations announce stock splits, investor interest tends to rise. But what exactly is a stock splits, how does it affect share prices, and how should investors … Read more
LTV, DTI, DSR is a key metrics for smart borrowing. When applying for a loan to purchase real estate, a car, or to fund a business, financial institutions evaluate several key metrics to determine the loan amount. Among these, LTV (Loan-to-Value Ratio), DTI (Debt-to-Income Ratio), and DSR (Debt Service Ratio) play a crucial role in … Read more
PBR, PER, ROE are one of important indicators for invest in stocks. When investing in stocks, you often ask yourself, “Is this stock undervalued or overvalued?” To answer this, key financial metrics such as PBR, PER, and ROE are crucial. Understanding these three indicators will enhance your ability to analyze a company’s value and make … Read more
Debt and Credit Management is the first step to financial success. Is Living Debt-Free Always the Best Option? The answer depends on individual preferences and financial situations, but in today’s world, loans have become an essential financial tool for many. Whether it’s buying a home, expanding a business, or funding education, loans can help achieve … Read more