Podcasts about maed in india production

From the challenge of starting one's financial journey to the intricacies of portfolio creation and the looming concern of retirement, Monika Halan addresses the most common money worries listeners have shared throughout the show. Tune in to learn why it's never too late to begin managing your money, the importance of diversified investments, and how to avoid common pitfalls with insurance products.  Monika also tackles pertinent questions about how to ensure financial security while working in a family business, whether you should get out of your insurance policy or see it through, health insurance for those with pre-existing diseases, and why you should not place emergency funds in cooperative and small-scale banks. Chapters: (00:31 - 07:29) Common Money Worries (07:43 - 09:42) Financial Security While Working in a Family Business (09:45 - 11:06) Should You Opt Out Of Your Insurance Policy? (11:08 - 12:05) Health Insurance with a Pre-existing Disease (12:07 - 13:19) Storing Emergency Funds in Small Scale Banks If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Monika's column on the issue https://www.hindustantimes.com/opinion/eat-the-rich-but-do-it-in-a-logical-way-101719846246923.html Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ -funds/ Monika's workbook on recording your financial life https://www.monikahalan.com/lets-talk-legacy/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

In this episode, Monika Halan demystifies the concept of debt in investing. Learn how familiar products like bank FDs, bonds, and PPF fit into your financial strategy, providing stability and assured returns. Monika explains the role of debt products in balancing your portfolio and offers insights into using bond funds for various financial goals. Tune in to understand the nuances of debt investing and how it complements equity for a well-rounded portfolio. Monika also answers questions about whether you should invest in the NPS if one is already contributing to EPF, how to firm up your allocation and retirement corpus before marriage, and how to invest your gratuity amount for a short term duration.  Chapters: (00:31 - 05:15) The Importance Of Debt Products  (05:31 - 07:04) EPF vs NPS (07:07 - 08:52) Building A Corpus Before Marriage (08:53 - 11:11) Investing For Short Term If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Monika's workbook on recording your financial life https://www.monikahalan.com/lets-talk-legacy/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

Today, Monika addresses the critical issue of women and financial independence. She discusses how women have traditionally used methods like kitty parties and gold investments to secure their finances. Monika emphasises the importance of women transitioning to formal financial products like PPF and mutual funds, and provides actionable steps for women to build their financial security and take control of their assets.  Monika also answers your questions about investing in Mutual Funds over ULIPs and what to look for when selecting a fund, how to teach financial literacy to your kids, whether it's wise to open a demat account in the name of non-earning family members, and opting for mutual funds over exchange traded funds. Chapters: (00:31 - 04:38) Women Take Control Of Money (04:51 - 07:10) When Selecting A Fund (07:13 - 08:03) Financial Literacy For Kids (08:05 - 09:27) Opening A Demat Account In Someone Else's Name (09:30 - 11:25) Mutual Funds vs Exchange Traded Funds If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Monika's workbook on recording your financial life https://www.monikahalan.com/lets-talk-legacy/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

In this episode of Let's Talk Money, Monika Halan breaks down what loss aversion is, and how it affects our financial decisions. She explains how simple nudges can help us overcome irrational behaviours and make better financial choices. Monika shares practical tips for organising finances and setting saving goals, along with examples of successful state-sponsored programs. Monika also answers your questions about the pros and cons of opting for a Portfolio Management Scheme over Mutual Funds, asset allocations in equity and debt for someone working in the IT industry, and why one should opt for the broad market index funds. Chapters: (00:31 - 05:48) Personal Nudges For Better Money Decisions (06:01 - 07:40) Portfolio Management Scheme vs. Mutual Funds (07:42 - 10:52) Reworking Your Asset Allocation (10:54 - 12:00) Why Broad Market Index Funds? If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ -funds/ Monika's workbook on recording your financial life https://www.monikahalan.com/lets-talk-legacy/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

In this episode, Monika dives into the key highlights and implications of India's Budget 2024. Discover how the new tax slabs and increased standard deductions will affect the middle class, the changes in capital gains taxes, and what they mean for your investments. Monika also explores the government's steps towards job creation, the regulation of the futures and options market, and the broader impact of these measures on everyday life.This week, Monika takes on concerns from the team about the Budget! She answers questions about losing out on real estate indexation, how the Budget impacts small business owners, and things we should keep in mind with the revised capital gains taxes. Chapters: (00:31 - 08:09) The Budget Story in 2024  (08:25 - 09:35) Tweaking Investments based on New Capital Gains Taxes (09:38 - 11:22) New Indexation Laws for Real Estate (11:24 - 12:47) Budget Impact on Small Owners (12:50 - 13:30) Is it a Good Time to Buy a Car? If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Monika's column on the issue https://www.hindustantimes.com/opinion/eat-the-rich-but-do-it-in-a-logical-way-101719846246923.html Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ -funds/ Monika's workbook on recording your financial life https://www.monikahalan.com/lets-talk-legacy/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

We have a special episode for you this week! Monika Halan sits down with Ashwani Bhatia, a whole time member (WTM) of the Securities and Exchange Board of India (SEBI), to delve into the measures and strategies SEBI employs to protect investor interests in an ever-evolving market landscape. They discuss the role of SEBI in maintaining market integrity, the importance of investor education, and the steps being taken to combat financial fraud. Tune in to understand how SEBI's regulatory framework adapts to changing market dynamics and what investors can do to safeguard their investments. Chapters: (00:31 - 03:35) Introduction (03:35 - 05:42) The Need for SEBI (05:42 - 07:21) How was SEBI Established?  (07:21 - 10:34) How has the Market Changed? (10:34 - 14:43) Roles and Responsibilities (14:43 - 22:06) Psychology of Retail Investors and Day Traders (22:06 - 26:18) The Rise of Retail Money (26:18 - 31:50) Advice for Investors to Protect against Scams (31:50 - 33:55) What can Investors Expect from SEBI? To know more about the Securities and Exchange Board of India, head to https://www.sebi.gov.in/ The company analysis site Ashwani refers to https://www.screener.in/ If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Monika's workbook on recording your financial life https://www.monikahalan.com/lets-talk-legacy/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

Today, Monika dives into the complexities of managing finances in a joint family setup. From sharing expenses and building personal assets to ensuring proper insurance and drafting a Will, she offers practical advice to help you navigate the financial dynamics of living with extended family. With real-life stories of both pitfalls and successes, Monika guides you on how to balance love, responsibility, and financial independence within the family. Tune in for essential tips on maintaining harmony and securing your financial future amidst the challenges of joint family living. Monika also tackles pertinent questions about how to get your finances in order before marriage, whether or not you should invest in the NPS if you already have an EPF, and whether broad market indices can be manipulated to your benefit. Chapters: (00:31 - 04:21) Finances in Joint Families (04:36 - 07:45) Streamlining Finances and Investments Before Marriage (07:48 - 08:54) Should You Invest in the NPS? (08:56 - 11:28) Investing in Broad Market Indices If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Monika's column on the issue https://www.livemint.com/Money/bTh6OKNzSIv1slJFyyYGvL/Joint-family-finances-minefield-of-embedded-emotional-bombs.html Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

In this episode, Monika discusses the financial steps to take after an unexpected job loss. She provides practical advice on negotiating severance packages, extending medical benefits, consolidating finances, and cutting discretionary expenses. Monika also emphasises the importance of having a financial plan ready, highlights resources for unemployment support, and offers tips to stay mentally resilient while seeking new employment. Tune in to learn how to navigate the financial challenges of job loss and prepare for a more secure future. Monika also helps you navigate through building an early retirement corpus for short service retirees in the air force, how to include your partner in financial planning, and the right time to surrender your ULIPs.  Chapters: (00:31 - 04:33) Coping with Layoffs (04:44 - 08:42) Building Retirement Corpus as an Air Force Pilot (08:45 - 11:47) Including Your Partner in Financial Planning (11:49 - 14:02) When To Surrender Your ULIPs If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Some government unemployment benefit schemes https://www.esic.gov.in/information-benefits Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

This week, Monika delves into the best way of utilising your raise. She discusses the importance of understanding inflation-adjusted raises, evaluating your performance relative to company averages, and considering strategic job changes for better compensation. Tune in for practical advice on how to respond to your raise and make informed decisions about your career and financial future. Monika also answers your questions about the pros and cons of purchasing medical insurance for retirement if in a government job, the optimal duration for your loans, whether NRIs should consider debt funds despite recent tax changes, and the reliability of new fund offers. Chapters: (00:31 - 05:33) Fully Utilising Your Raise  (05:47 - 08:38) Pros and Cons of Medical Insurance (08:41 - 09:51) Length of Your EMIs (09:53 - 12:10) Debt Funds as an NRI (12:12 - 13:36) Should You Invest in NFOs? If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  MOSPI Website for inflation numbers https://cpi.mospi.gov.in/Default1.aspx Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

Today, Monika dives into the best strategies for handling windfall gains. Whether it's a bonus, tax refund, or inheritance, Monika explains how to balance spending, debt repayment, and investing to maximise your financial well-being and avoid common pitfalls. Discover how to make thoughtful decisions that enhance your financial future while enjoying the present. Monika also addresses how to rebuild an emergency fund after relocating, the strategies for early retirement and sustaining expenses long-term, and the importance of evaluating mutual fund schemes over individual fund managers. Chapters: (00:31 - 04:58) Navigating Funds in a Windfall Gain (05:06 - 07:33) Rebuilding Emergency Fund (07:36 - 11:42) Calculating Corpus for Early Retirement Planning (11:44 - 14:21) Tracking Progress of Fund Managers vs Schemes If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

In today's episode, Monika explores the crucial financial steps to take before transitioning from a secure job to launching your own start-up. She breaks down how to estimate start-up costs, secure initial funding, and budget for personal living expenses during the early, income-less years of your venture. She also discusses the importance of having medical and vehicle insurance, maintaining an emergency fund, and having a solid backup plan in case your business doesn't take off. Join us as Monika dives into the financial groundwork essential for turning your entrepreneurial dreams into reality. Monika also answers your questions about strategies for restructuring your mutual fund portfolio without incurring high capital gains taxes, how to navigate conflicting financial advice, and the best approaches to balancing debt and equity investments for long-term financial goals. Chapters: (00:31 - 04:50) Planning Funds for your Startup (04:59 - 08:13) Minimising Capital Gains Tax (08:16 - 11:09) Index Funds vs. Active Mutual Funds (11:11 - 14:13) Balancing PPF and Mutual Fund Investments If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

We're back with a new episode of practical financial advice to help you make informed decisions about your money! In this episode of Let's Talk Money, Monika explores how to build financial security for your child's present and future. Learn the importance of putting in place your own  life cover and your medical insurance, as well as the necessity of drafting a Will. She also discusses smart investment strategies, such as starting an index fund and a monthly SIP for higher education. Tune in for essential advice on securing your family's financial well-being. Monika also tackles your questions about flexible travel investment options, the flow between income and investment accounts, and achieving long-term financial goals amid potential tax changes. Chapters: (00:31 - 05:03) Financial Products for your Child (05:16 - 10:21) Short Term Investment Options (10:23 - 12:49) Cash Flow in the Three Account System (12:51 - 16:12) Navigating Tax Changes If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

On Let's Talk Money, we're going back to the past to bring back some of our favourite bits of the podcast… just in case you missed it.  This week, Monika unravels the backstory of the National Pension System (NPS), tracing its origins from the OASIS Project committee to its implementation by the Indian government. Learn how the NPS emerged as a defined contribution, low-cost scheme to address old age security concerns, particularly for those outside the organised sector. Discover the intricacies of the NPS, its investment options, tax benefits, and considerations for individuals seeking long-term financial stability. Tune in for practical advice on navigating the complexities of retirement planning with the NPS. Monika also answers your questions about money back and endowment policies, and whether you should opt for a regular plan or a direct plan while investing! Let's Talk Money is coming back from break soon! The next time you tune in, we'll have a whole new episode for you. See you soon! If you'd like to go back to the original featured, click the links below: (00:47 - 06:10) Is NPS the Ultimate Retirement Solution? (06:21 - 14:25) What Should I Do With My ULIPs, Money-Back & Endowment Policies?  (14:28 - 17:41) Regular Commission Based Plan vs Direct Plan If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  NPS is a good product that lives in a bad market https://www.monikahalan.com/indias-retail-finance-market-is-a-commission-driven-sales-push-market-that-has-replicated-the-lessons-from-the-packaged-consumer-goods-industry-with-disastrous-results/ Monika's columns on life insurance https://www.monikahalan.com/the-very-high-front-incentives-are-triggering-massive-mis-selling-and-fraud-in-life-insurance-i-worry-that-as-the-unbanked-now-get-into-the-formal-financial-system-we-are-setting-them-up-for-financi/ https://www.monikahalan.com/opinion-smart-people-dont-buy-money-back-life-insurance/ Life insurance calculator https://investor.sebi.gov.in/calculators/Insurance_Calculator_YoungEarners.html https://investor.sebi.gov.in/calculators/Married_with_KidEarners.html Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Kartik Kulkarni Artwork: Alika Gupta

On Let's Talk Money, we're going back to the past to bring back some of our favourite bits of the podcast… just in case you missed it.  Today, Monika unravels the crucial distinction between saving and investing, emphasising why they should never be used interchangeably. From understanding the basics of savings to exploring the potential of investments across various asset classes, she delves into the transformative power of transitioning from savers to intelligent investors. Also, she answers your pressing questions about how much is enough for a retirement kitty if you have kids, how to get out of a crippling debt cycle, and whether you should opt for an education loan or let your parents cover your expenses. If you'd like to go back to the original featured, click the links below: (00:46 - 05:18) Evolving Towards Smart Investments (05:25 - 10:57) Calculating My Retirement Corpus With Kids  (11:00 - 16:14) Getting Out Of A Debt Trap (16:16 - 17:30) Opt for an Educational Loan or Let Parents Pay? If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Retirement Calculator https://investor.sebi.gov.in/calculators/Visual_Gold_Planner.html https://investor.sebi.gov.in/calculators/Assets_Allocations.html William Sharpe's Article https://www.barrons.com/articles/william-sharpe-how-to-secure-lasting-retirement-income-51573837934 Monika's columns dealing with being in debt and taking loans https://www.monikahalan.com/new-rules-are-needed-to-stop-predatory-lending/ https://www.monikahalan.com/opinion-why-you-should-keep-paying-emis/ https://www.monikahalan.com/five-years-into-the-base-rate-system-it-seems-that-even-the-move-to-a-base-rate-system-has-not-worked-in-rate-transmission/ Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Kartik Kulkarni Artwork: Alika Gupta

On Let's Talk Money, we're going back to the past to bring back some of our favourite bits of the podcast… just in case you missed it.  This week, Monika dives into the age-old debate: Should you rent or buy a home? Exploring generational shifts in home ownership patterns and debunking conventional wisdom, she navigates through the complexities of EMIs, down payments, and fixed versus floating interest rates.  Monika also answers your questions about what to consider when you're opening your first bank account, how to decide how much you need in your retirement corpus and build towards it, and investing in India as an NRI.  If you'd like to go back to the original featured, click the links below: (00:47 - 05:21) Should I Buy Or Rent? (05:29 - 09:56) Opening Your First Bank Account  (09:59 - 13:44) How Much To Put Away For My Retirement Kitty? (13:46 - 16:06) Investing in India with an OCI Card If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Monika's column on the rent or buy question and real estate valuations https://www.monikahalan.com/at-current-market-prices-where-the-rental-yields-are-just-1-2-renting-is-clearly-better-than-buying/ https://www.monikahalan.com/no-the-metrics-are-saying-it-is-still-strongly-overvalued-but-the-answer-depends-on-your-view-on-how-strongly-black-money-will-remain-in-the-indian-system/ Retirement Calculator https://investor.sebi.gov.in/calculators/Visual_Gold_Planner.html https://investor.sebi.gov.in/calculators/Assets_Allocations.html Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Kartik Kulkarni Artwork: Alika Gupta

On Let's Talk Money, we're going back to the past to bring back some of our favourite bits of the podcast… just in case you missed it.  Today we're talking about medical insurance and the pitfalls of purchasing policies without understanding the fine print. We have a checklist that will help you find the right medical insurance plan - helping you understand how to balance premium costs with comprehensive benefits, navigating co-pay clauses and pre-existing disease coverage. Tune in as we demystify the intricacies of medical insurance and help safeguard your financial well-being in times of medical emergencies. Monika also answers questions about how to build financial fitness as a gig worker, how to manage joint expenses with your partner when you move in together, and how to plan your expenses when raising children. If you'd like to go back to the original featured, click the links below: (00:46 - 06:43) When Opting For Medical Insurance (06:48 - 10:05) Managing Income From Multiple Sources (10:08 - 12:10) How Should I Think Of Joint Finances? (12:12 - 20:36) Costs Of Raising Children If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Monika's columns dealing with health insurance https://www.monikahalan.com/the-mint-securenow-mediclaim-rating-does-the-grunge-work-for-you-and-trawls-through-some-400-data-points-to-bring-you-a-shortlist-of-policies/ https://www.monikahalan.com/differential-pricing-is-the-way-any-industry-with-high-fixed-costs-behaves-but-that-does-not-seem-fair-in-health-care/ https://www.monikahalan.com/thats-why-we-have-the-mint-securenow-mediclaim-ratings/ Monika's columns on issues relating to money and kids https://www.monikahalan.com/put-your-kids-picture-on-deposit-but-keep-it-in-your-name/ https://www.monikahalan.com/bringing-up-rich-baby-some-parenting-possibilities/ Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Kartik Kulkarni Artwork: Alika Gupta

In this episode of Let's Talk Money, host Monika Halan dives deep into the pitfalls of bundled life insurance products, urging listeners to steer clear of these financial traps. She reveals how traditional plans like money back and endowment policies prey on investors with deceptive sales tactics, hefty surrender costs, and paltry returns. With a critical eye on regulatory shortcomings, Monika empowers listeners to protect their financial interests by steering clear of bundled insurance and opting for more transparent investment options.  From optimising investments for multiple goals to opening a PPF account for a child, no topic is left untouched. Monika also answers your questions about strategies for lump sum investments versus SIPs, along with considerations for emergency fund placement. Join us for invaluable insights into navigating the complexities of personal finance. Chapters: (00:31 - 05:00) Are Bundled Life Insurance Products Any Good? (05:15 - 08:37) Different Funds For Different Goals? (08:40 - 10:19) Opening a PPF Account For Your Child (10:21 - 11:31) Lump Sum Investments vs. SIPs (11:33 - 13:07) Where to Allocate Emergency Funds? If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Why is there a bad smell about life insurance in India https://www.monikahalan.com/the-very-high-front-incentives-are-triggering-massive-mis-selling-and-fraud-in-life-insurance-i-worry-that-as-the-unbanked-now-get-into-the-formal-financial-system-we-are-setting-them-up-for-financi/   Smart people don't buy money back life insurance https://www.monikahalan.com/opinion-smart-people-dont-buy-money-back-life-insurance/ The insurance regulator's 70's mindset is not serving the purpose in 2020 https://www.monikahalan.com/the-insurance-regulators-70s-mindset-is-not-serving-the-purpose-in-2020/   Signs of market failure in life insurance https://www.monikahalan.com/signs-of-market-failure-in-life-insurance-the-hindu/ Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

It's that time of the year again where we answer all your pressing questions and give our hot (and sometimes curmudgeonly) takes. Mae takes the reins as she poses an array of audience questions to Deepanjana and Supriya, about the world of books, sometimes food, other times film, and everything in between. From how to write a good book review to pet peeves about moral posturing, to books about critical theory and radical feminist discourse, The Lit Pickers are here to solve your predicaments. They also discuss book clubs, audiobooks, the joy of gifting books, and how sometimes there are cosmic forces at play to help you find a book. Sometimes stumped by questions, other times excited, and always collectively fangirling over authors, listen to Deepanjana and Supriya talk about what is their cup of tea and when they would rather have some filter coffee instead.   We're going on a brief summer holiday. Be back before you know it. If you miss us before then, please dive into our archive, or reach out to us on @supriyanair and @dpanjana on Instagram.    If you have any books, reading or literature-related questions, please email us at contact@maed.in.    For a list of all the books mentioned in the season so far, check out: https://thelitpickers.fanlink.to/books   This is a Maed In India Production; check us out at www.maedinindia.in.  Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta Theme Music: Easy Wanderlings - Here's to You

As tax-filing season approaches, Monika breaks down the basics of capital gains tax. She unravels the distinction between income and profits, shedding light on how different asset classes are taxed. From real estate to stocks, learn about the holding periods that determine whether your gains are classified as short or long term, and discover the varying tax rates associated with each. Monika also dives into the concept of indexation, demystifying how it can help mitigate tax liabilities by accounting for inflation over time. Plus, find out what options are available if you incur losses, including set-offs and carrying losses forward to future years. For the disciplined investor seeking to refine their portfolio, Monika shares strategies for optimizing asset allocation and diversification. Monika also provides a roadmap for breaking free from the shackles of debt. From seasoned investors refining their strategies to individuals grappling with debt challenges, this episode offers practical guidance and expert insights to help listeners overcome financial obstacles and build a secure financial future. Chapters: (00:31 - 04:27) Unpacking Capital Gains (04:45 - 08:33) Asset Allocation Strategies (08:37 - 12:38) Reconfiguring Your Portfolio (12:40 - 14:44) Roadmap to Debt Freedom If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  How to Inflation Adjust Your Asset https://incometaxindia.gov.in/Pages/utilities/Cost-Inflation-Index.aspx Index List on the NSE https://www.niftyindices.com/indices/equity/broad-based-indices Calculator for Tracking Error https://freefincal.com/index-fund-tracking-error-screener-feb-2024/#:~:text=The%20lower%20the%20tracking%20error,screener%20hopes%20to%20change%20that. Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

This week Deepanjana and Supriya are in the studio trying to unpack solutions of how to find a good book to read. From childhood rituals to serendipitous discoveries, they explore the various ways in which readers can stumble upon their next literary adventure. They also talk about the discipline and patience required to cultivate a lifelong reading habit, as well as their unwavering belief in the universe's role in providing the right reads at the right time. From finding suggestions at gatherings in parks, to digital rabbit holes ranging from Twitter to podcasts, they talk about what it is that makes them pick one recommendation over the other. They also ponder the role of kind friends and neighbourhood bookstores in shaping one's perception of a book, and so much more!   You can find Supriya Nair at @supriyanair and Deepanjana Pal at @dpanjana on Instagram.    If you have any books, reading or literature-related questions, please email us at contact@maed.in.    For a list of all the books mentioned in the season so far, check out: https://thelitpickers.fanlink.to/books   This is a Maed In India Production; check us out at www.maedinindia.in.  Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta Theme Music: Easy Wanderlings - Here's to You

Join Monika Halan on this insightful episode of Let's Talk Money as she delves into the world of equity investment. From understanding the fundamentals of equity ownership to exploring the dynamics of stock markets, Monika breaks down complex concepts into digestible insights. Uncover why equity is more than just a financial asset, and how it acts as a gateway to building real wealth and financial independence. From young professionals starting their careers with queries about investing their surplus income to individuals in their 40s looking to secure their and their children's future, Monika provides practical advice tailored to each situation. Tune in to gain insights into building a solid financial foundation and navigating the complexities of personal finance with clarity and confidence. Chapters: (00:31 - 06:34) Fundamentals of Equity (06:47 - 08:14) Building Wealth from the Ground Up (08:17 - 11:06) Financial Security in Your 40s (11:08 - 13:30) Guidance to Support Aging Parents and Plan for Marriage If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

This week, Deepanjana and Supriya explore the world of adaptation and intellectual property. From discussing the portrayal of Japan in Western literature to analyzing the adaptation of "Shogun," they delve into the complexities of representation and storytelling. They also examine the creative approaches in film adaptations, highlighting the need for imagination and sensitivity, and the impact of cultural appropriation. They emphasise the value of fresh thinking and out-of-the-box ideas in creating something new and exciting, and how a character's race and background can be reimagined in a way that is both faithful to the original and relevant to modern audiences. Join us for a discussion on the evolving landscape of storytelling in literature and media - with some appreciation and a lot of woes.   You can find Supriya Nair at @supriyanair and Deepanjana Pal at @dpanjana on Instagram.    If you have any books, reading or literature-related questions, please email us at contact@maed.in.    For a list of all the books mentioned in the season so far, check out: https://thelitpickers.fanlink.to/books   This is a Maed In India Production; check us out at www.maedinindia.in.  Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta Theme Music: Easy Wanderlings - Here's to You

In this episode of Let's Talk Money, Monika unpacks the intricacies of Sovereign Gold Bonds (SGBs). From understanding their purpose in reducing gold imports to exploring tax benefits and investment strategies, Monika provides insights into this alternative to holding physical gold. Discover why SGBs offer a convenient and lucrative option for investors looking to diversify their portfolios and secure their financial future. Tune in to learn how SGBs can transform your approach to investing in gold! Monika also addresses concerns ranging from investment strategies to home loan dilemmas. She provides insightful advice on evaluating portfolio performance, making prudent choices between home loans and SIPs, and navigating complex investment strategies like portfolio hedging and macroeconomic investing.  Chapters: (00:31 - 05:46) Unpacking Sovereign Gold Bonds (06:01 - 10:29) Evaluating Your Portfolio Performance (10:32 - 12:29) Home Loan vs. SIP  (12:31 - 14:17) Exploring Portfolio Hedging and Macroeconomic Investing If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  RBI site https://www.rbi.org.in/commonperson/english/scripts/FAQs.aspx?Id=1658 Learn more about SGBs https://primeinvestor.in/varsity/sovereign-gold-bonds-or-etfs/ https://primeinvestor.in/varsity/how-to-invest-in-gold/ Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

Geek out on this episode of The Lit Pickers as we dive into the world of Dune, exploring both the beloved book and the recent film adaptations. From dissecting the intricate universe created by Frank Herbert to sharing their thoughts on Denis Villeneuve's cinematic interpretation, we leave no sand dune unturned. Join the conversation as we discuss everything from character development to cultural conflicts Whether you're a die-hard fan or a curious newcomer, this episode promises to take you through the sands of Arrakis and unite literature nerds and film geeks alike!   You can find Supriya Nair at @supriyanair and Deepanjana Pal at @dpanjana on Instagram.    Tune into the Nerditorium podcast or find them on Instagram @geekfruithq. They are: Dinkar Dwivedi Jishnu Guha  Tejas Menon   If you have any books, reading or literature-related questions, please email us at contact@maed.in.    For a list of all the books mentioned in the season so far, check out: http://bit.ly/thelitpickersbooks   This is a Maed In India Production; check us out at www.maedinindia.in.  Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta   Theme Music: Easy Wanderlings - Here's to You

Geek out on this episode of The Lit Pickers as we dive into the world of Dune, exploring both the beloved book and the recent film adaptations. From dissecting the intricate universe created by Frank Herbert to sharing their thoughts on Denis Villeneuve's cinematic interpretation, we leave no sand dune unturned. Join the conversation as we discuss everything from character development to cultural conflicts Whether you're a die-hard fan or a curious newcomer, this episode promises to take you through the sands of Arrakis and unite literature nerds and film geeks alike!   You can find Supriya Nair at @supriyanair and Deepanjana Pal at @dpanjana on Instagram.    Tune into the Nerditorium podcast or find them on Instagram @geekfruithq. They are: Dinkar Dwivedi Jishnu Guha  Tejas Menon   If you have any books, reading or literature-related questions, please email us at contact@maed.in.    For a list of all the books mentioned in the season so far, check out: https://thelitpickers.fanlink.to/books   This is a Maed In India Production; check us out at www.maedinindia.in.  Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta   Theme Music: Easy Wanderlings - Here's to You

In this episode, we uncover how the Risk-o-Meter plays a crucial role in measuring and understanding the risk associated with different mutual fund schemes. Monika breaks down the evolution of the Risk-o-Meter, starting from its inception in 2013 to the recent changes mandated by SEBI. We explore the flaws of the previous version, which failed to accurately depict the varying risk attributes within asset classes. Learn how investors and advisors can leverage this tool to make more informed decisions, especially in the realm of debt funds where portfolio quality can fluctuate significantly over time. We dissect the intricacies of mutual fund investments in this episode. We explore the debate between small-cap index funds and actively managed funds, shedding light on factors such as cost, returns, and portfolio performance. Delve into the differences between regular and direct mutual fund plans, uncovering the impact of cost differentials on long-term returns. We also unravel the concept of systematic withdrawal plans (SWP), discussing their suitability for different life stages.  Chapters: (00:31 - 05:20) Risk-O-Meter (05:34 - 08:16) Investing in Small Cap Index Funds (08:19 - 11:48) Regular Commission Based Plan vs Direct Plan (11:51 - 13:16) SIP vs SWP If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Calculators https://investor.sebi.gov.in/calculators/index.html AMFI Risk-O-Meter https://www.amfiindia.com/investor-corner/online-center/riskmeterinformation You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

Tune in to The Lit Pickers as Supriya and Deepanjana engage in a delightful conversation with journalist and writer, Raghu Karnad. Join us as Raghu shares his journey of curating an Instagram archive for his father, the late and great Girish Karnad, who was an actor, film director, writer, playwright and a Jnanpith awardee. From exploring Girish Karnad's multifaceted career to reflecting on Raghu's personal connection with his father's work, we unravel the complexities of archiving the work of a beloved figure. Dive into a discussion about Girish Karnad's legacy, the challenges of preserving a cultural heritage, and the power of theatre and literature in shaping societal discourse.    You can find Supriya Nair at @supriyanair and Deepanjana Pal at @dpanjana on Instagram.    Find the Instagram archive for Girish Karnad @worldofgirishkarnad   If you have any books, reading or literature-related questions, please email us at contact@maed.in.    For a list of all the books mentioned in the season so far, check out: https://thelitpickers.fanlink.to/books   This is a Maed In India Production; check us out at www.maedinindia.in.  Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta   Theme Music: Easy Wanderlings - Here's to You

In this episode of Let's Talk Money, Monika dives deep into the asset class called debt and unpacks the nuances of debt as an investment option. She explains how debt instruments function, from fixed deposits to government bonds, emphasising the correlation between risk and return. She also discusses the role of debt products in providing stability to investment portfolios, contrasting their characteristics with more volatile equity investments and also touches upon the tax implications of debt products. Join Monika as she addresses common questions about the Public Provident Fund (PPF). From evaluating PPF as a long-term core of your retirement portfolio, she demystifies the PPF and empowers you to make informed investment decisions. Whether you're contemplating surrendering existing endowment policies for a PPF account or considering opening one later in life, Monika provides practical guidance on maximising the benefits of PPF for long-term financial planning. Chapters: (00:31 - 05:02) Debt as an Asset Class (05:25 - 08:30) PPF vs. Endowment Policies (08:33 - 10:57) Opting for PPF vs Mutual Funds (10:59 - 13:53) Is 44 Too Late to Invest? If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

In this episode of The Lit Pickers, Deepanjana and Supriya explore the nuanced world of words and governance. They dissect the political landscapes of South Asian fiction and reflect on the power of literature to address serious issues and challenge social norms. From fiction written by political leaders, to literature inspired by democracy, join them as they discuss fiction's role during times of uncertainty, the risk it runs against a flattening of identities, and the degrees of political overtones that it carries.   You can find Supriya Nair at @supriyanair and Deepanjana Pal at @dpanjana on Instagram.    We're doing an AMA episode soon! If you have any books, reading or literature-related questions, please email us at contact@maed.in   For a list of all the books mentioned in the season so far, check out: https://thelitpickers.fanlink.to/books   This is a Maed In India Production; check us out at www.maedinindia.in.  Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta   Theme Music: Easy Wanderlings - Here's to You

Join Monika on Let's Talk Money as she demystifies market capitalisation (market cap) and its significance in investments. Learn how to categorise stocks into large, mid, and small caps, and discover the ideal portfolio mix for long-term investors. Tune in for a quick dive into the essentials of understanding and using market capitalisation to build your portfolios. In this episode, Monika dives into the intricacies of financial planning in your forties. From optimising debt investments to strategising during different interest rate cycles, she offers expert advice tailored to each listener's unique situation. Tune in to discover actionable strategies for securing your financial future with confidence. Chapters: (00:31 - 05:23) What is Market Cap? (05:41 - 09:43) Strategies for Gilt Fund Investments (09:46 - 12:23) Building Towards Retirement Through PPF (12:25 - 13:57) Balancing Safety and Return in Investment Options If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman ParsuramArtwork: Alika Gupta

Tune in to this episode of The Lit Pickers where Deepanjana and Supriya set out to explore the allure of the literary bad boy, a.k.a Byronic heroes. From Bronte's brooding Heathcliff to the hero of Gabriel Garcia Marquez' Love in the Time of Cholera, they navigate the treacherous terrain of men from literature who challenge convention and also uphold them in often dark and mysterious ways. Beware of anti-heroes, unflattering husbands, and the evolving definition of virtue as they explore how this trope has evolved over time and spilled even into Byronic heroines. Grab your books and a strong cup of coffee for this literary soiree where the only dish up for grabs is sass.   You can find Supriya Nair at @supriyanair and Deepanjana Pal at @dpanjana on Instagram.    If you have any books, reading or literature-related questions, please email us at contact@maed.in.    For a list of all the books mentioned in the season so far, check out: https://thelitpickers.fanlink.to/books   This is a Maed In India Production; check us out at www.maedinindia.in.  Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta Theme Music: Easy Wanderlings - Here's to You

Join Monika on this episode of Let's Talk Money as she demystifies real estate investment trusts (REITs). Gain a deep understanding of how REITs function and the regulatory landscape they operate within. Explore the potential returns for investors, the various types of properties involved, and who should consider adding REITs to their investment portfolio. Whether you're a seasoned investor or new to the world of finance, don't miss out on this insightful discussion about this intriguing investment avenue. Also, to celebrate women this Women's Day, Monika addresses the financial concerns of four remarkable women. Whether you're a single mother seeking advice on securing your child's future, or bridging the financial generation gap with your parents, Monika provides guidance tailored to each woman's unique situation, offering practical solutions and empowering them to navigate their financial journeys with confidence. Tune in to gain valuable insights and inspiration for managing your finances effectively. Chapters: (00:31 - 04:10) Understanding How REITs Work (04:30 - 06:58) Securing Financial Stability as a Single Mother (07:00 - 08:47) Navigating the Financial Generation Gap with Parents (08:50 - 10:32) Empowering Women to Take Control of Their Finances (10:34 - 12:23) Protecting Against Online Financial Scams in Relationships If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  One job women shouldn't delegate to men https://www.monikahalan.com/opinion-one-job-women-shouldnt-delegate-to-men/ Women fly higher when in charge of their money https://www.monikahalan.com/being-in-control-of-your-financial-life-is-a-central-part-of-the-push-towards-gender-equality/ Questions women must ask https://www.monikahalan.com/questions-women-must-ask/ From Valentine's Day to Women's Day https://www.monikahalan.com/this-womens-day-take-control-of-your-money-and-make-financial-planning-part-of-the-family-conversation/ Why Indian women don't want to work https://www.monikahalan.com/the-home-likes-the-income-but-is-unwilling-to-let-the-woman-give-up-on-household-work-child-care-and-eldercare-duties/ Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

Join us on a special episode of The Lit Pickers as Supriya interviews Daisy Rockwell, a translator who focuses exclusively on women's writing from South Asia. They delve into the gendered nature of Hindi, discuss the shared experiences of women during Partition, and look back at the time when the internet was more fun. Tune in as Daisy talks to Supriya about navigating the challenges of translation, exploring nuanced meanings and gender archetypes in Indian writing, and say some very bad words.   You can find Supriya Nair at @supriyanair and Deepanjana Pal at @dpanjana on Instagram.    If you have any books, reading or literature-related questions, please email us at contact@maed.in.    For a list of all the books mentioned in the season so far, check out: https://thelitpickers.fanlink.to/books   This is a Maed In India Production; check us out at www.maedinindia.in.  Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta   Theme Music: Easy Wanderlings - Here's to You

In this episode, Monika dives into the intricacies of index investing, unravelling the mystery behind the index number. She breaks down the fundamentals of index numbers for the Sensex and Nifty 50, drawing parallels with the familiar inflation index. Uncover the essence of these indices, understanding their composition, dynamics, and significance in the world of finance. Learn how to use index investing as a low-cost and efficient strategy to secure your financial future. Join Monika as she navigates the intricacies of retirement planning for individuals at various stages of life. Discover actionable strategies tailored for every milestone, from planning at age 50 to optimising investments post-retirement. Learn how to leverage financial instruments effectively to secure your financial future with confidence. Chapters: (00:31 - 05:40) Decoding Index Investing    (06:00 - 08:11) Is it Too Late to Plan for Retirement in 50s? (08:14 - 12:02) How to Allocate Money at the Time of Retirement (12:05 - 15:26) How to Plan for Retirement Without Pensions If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman ParsuramArtwork: Alika Gupta

Deepanjana sits down with Ahalya and Meethil, the founders and owners of Trilogy, an indie bookstore and library in the heart of Mumbai where your cellphone gets no network and the shelves are full of treasures. They talk about the magic that goes into making an indie bookstore, reading for work and pleasure, and the joy of belonging to a community of book lovers. Tune in for an episode filled with love, warmth, and the delight of “bookbathing.”   You can find Supriya Nair at @supriyanair and Deepanjana Pal at @dpanjana on Instagram.    If you have any books, reading or literature-related questions, please email us at contact@maed.in.    For a list of all the books mentioned in the season so far, check out: https://thelitpickers.fanlink.to/books   This is a Maed In India Production; check us out at www.maedinindia.in.  Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta   Theme Music: Easy Wanderlings - Here's to You

Today, Monika delves into the intricacies of the National Pension Scheme (NPS). Discover the backstory behind its inception and learn about its numerous benefits as a retirement planning tool. Monika explains how pensions can now be targeted with a  flexibility of investment choices, and why NPS is gaining popularity as a low-cost and efficient option for securing your financial future.  Learn how to kickstart your investment journey in India as an NRI, decipher the complexities of insurance structuring for maximum benefits, and navigate the financial landscape of relocating back to India after years abroad. Tune in as Monika addresses pressing financial queries from Indians around the globe. Chapters: (00:30 - 05:54) A Roadmap to Understanding the Potential of NPS    (06:10 - 08:32) Investing in India with an OCI Card (08:35 - 10:37) Navigating Insurance Decisions (10:39 - 13:45) Financial Planning for Relocating to India If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  NPS is a good product that lives in a bad market https://www.monikahalan.com/indias-retail-finance-market-is-a-commission-driven-sales-push-market-that-has-replicated-the-lessons-from-the-packaged-consumer-goods-industry-with-disastrous-results/ Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

Get ready to paws everything you're doing. We've got an interview that's going to make you sit up and meow. Supriya chats with journalist and writer Srinath Rao, author of “Meow Meow: The Incredible Story of Baby Patankar,” an exploration of  the world of meow meow, the party drug also known as mephedrone. Tune in as we scratch the surface of the intricate web of events that led to the rise and fall of Baby Patankar as Bombay's foremost drug-dealing grandmother. From the unexpected arrest of a police officer to the allure of a substance more affordable than catnip, this episode gets its claws into her story in the foregrounds of Worli's skyline.    You can find Supriya Nair at @supriyanair and Deepanjana Pal at @dpanjana on Instagram.    If you have any books, reading or literature-related questions, please email us at contact@maed.in.    For a list of all the books mentioned in the season so far, check out: https://thelitpickers.fanlink.to/books   This is a Maed In India Production; check us out at www.maedinindia.in.  Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta   Theme Music: Easy Wanderlings - Here's to You

This week, Monika dives into the power of compound interest. Learn how simple investments can yield extraordinary returns over time, and discover the dual nature of compound interest both as a wealth-building tool and a cautionary tale for managing debt wisely.  From weighing the pros and cons of taking educational loans to early aspirations of earning and building towards a secure financial future, Monika takes on your questions about navigating the complex world of finances. Tune in as she offers her expert guidance, discussing the importance of financial planning, debt management, and smart investment strategies.  Chapters: (00:30 - 05:08) The Power of Compound Interest (05:22 - 06:38) Opt for an Educational Loan or Let Parents Pay? (06:40 - 08:07) Entering the Day Trading Market as an Adolescent (08:10 - 09:52) Helping Parents Manage Loans (09:55 - 11:55) Building an Emergency Fund and Saving for the Future If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

Love is in the air on The Lit Pickers. In the Valentine mood, Deepanjana and Supriya make a list of their literary crushes over the years. Beginning with Karna in Mahabharata to Zumurrud in the Arabian Nights, they delve into the characters who have captured their hearts at different ages and stages. Tune in for some literary swooning and many giggles.   You can find Supriya Nair at @supriyanair and Deepanjana Pal at @dpanjana on Instagram.    If you have any books, reading or literature-related questions, please email us at contact@maed.in.    For a list of all the books mentioned in the season so far, check out: https://thelitpickers.fanlink.to/books   Tune into The (Literary) Bro Code Tune into Read Like A Girl   This is a Maed In India Production; check us out at www.maedinindia.in.  Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta   Theme Music: Easy Wanderlings - Here's to You

Join us this week as Monika helps you understand the basic framework of personal income tax. From the different heads under which we as individuals pay taxes directly to the government, to the difference between gross income and taxable income, she demystifies it all. She also explores how taxation can influence our behaviour. She also takes on your questions about trying to cope with debt. Whether it's juggling home loans, a bad credit score, or the importance of an emergency fund, Monika addresses your financial concerns and guides you towards a life that is debt free as soon as possible. Chapters: (00:30 - 07:50) The Framework of Personal Taxation (08:20 - 11:47) Question: Should I Pay Off The Home Loan Or Personal Loan First? (11:50 - 15:31) Question: How To Get Out Of A Debt Trap With Multiple Loans? (15:34 - 17:12) Question: When Should You Dip Into Emergency Funds? If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

Get ready for a juicy, tell-all episode, and the tea is piping hot! Deepanjana and Supriya are dishing out all the bookish secrets they've kept locked away. From books that left them yawning to the novels they've pretended to read, no page will be left unturned. But it's not all shade! They're also sharing the books that have brought them sheer delight. And, of course, they're diving deep into the age-old dilemma of separating the art from the artist. So, grab your favorite reading nook and tune in as we dive headfirst into the confessions of devoted readers.   You can find Supriya Nair at @supriyanair and Deepanjana Pal at @dpanjana on Instagram.    If you have any books, reading or literature-related questions, please email us at contact@maed.in.    For a list of all the books mentioned in the season so far, check out: https://thelitpickers.fanlink.to/books   This is a Maed In India Production; check us out at www.maedinindia.in.  Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta   Theme Music: Easy Wanderlings - Here's to You

In the last episode of the season, Monika shares insights on recommending trustworthy planners and navigating the complexities of financial intermediaries. She also breaks down the distinction between mutual fund distributors and registered investment advisors to help you make an informed decision about who'd be a better fit for you. Monika also takes on your questions about planning for goal-oriented investments and optimising existing resources in a tax-efficient manner. She revisits the formulae for figuring out how much you need to save for your retirement corpus and she delves into the aspects of mutual fund redemption and explains how to use a laddering approach when planning for retirement.  Chapters: (00:30 - 05:00) Navigating Financial Guidance and Planners (05:15 - 09:05) Question: How Should I Best Utilise Mutual Funds For Goal Planning? (09:09 - 13:09) Question: How Should I Think Of Early Retirement in the Indian Context? (13:12 - 15:55) Question: When and How Much To Redeem Equity Funds? If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

Admittedly, this got a bit longer than 20 minutes. Sorry. Get ready for some venting as we unleash our inner literary haters. Serving up a platter of literary pet peeves, we're adding the vinegar to our customary Turkish eggs. Join the discussion as we dissect what really grinds our bibliophilic gears. Because, despite our true love for all things books, sometimes we really can get picky.    You can find Supriya Nair at @supriyanair and Deepanjana Pal at @dpanjana on Instagram.    If you have any books, reading or literature-related questions, please email us at contact@maed.in.    For a list of all the books mentioned in the season so far, check out: https://thelitpickers.fanlink.to/books   This is a Maed In India Production; check us out at www.maedinindia.in.  Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta   Theme Music: Easy Wanderlings - Here's to You

Budgets are an important part of our country as they define the flows of money from and into the economy. As we gear up for Budget 2024, Monika dives into the intricacies of this annual fiscal exercise. In this special episode, she breaks down the union budget, drawing parallels between government and household budgets. Monika sheds light on deficits, their implications, and why not all deficits are created equal.  Find out how government spending shapes the economy and where your tax money goes. Uncover the hidden stories within the budget, from off-budget items to the larger narrative it weaves about India's economic direction, along with the policy signals embedded in the budget speech. Chapters: (00:30 - 03:05) What Exactly Is The Union Budget? (03:05 - 06:32) Not All Deficits Are Bad (06:32 - 08:46) What Does India Spend Its Money On? (08:46 - 12:08) Taxes: How Much We Pay & Where They Go (12:08 - 14:03) Understanding Off Budget Items (14:03 - 17:35) Larger Story Embedded in the Budget If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  https://www.monikahalan.com/a-growth-push-and-a-nudge-to-salaried-class/ https://www.monikahalan.com/budget-2022-definitely-not-an-election-pitch/ https://www.monikahalan.com/a-new-confidence-about-india-reflects-in-a-bold-budget-2021/ https://www.monikahalan.com/the-budget-is-a-work-in-progress-and-to-look-for-a-game-changing-story-is-perhaps-futile/ You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

In this episode, Monika highlights the importance of shifting from the mindset of simply saving to intelligent investing. Recognize the need for intentional savings and how they can evolve into smart investments. Find out about the potential gains of investing across diverse asset classes, and how to make your money work hard for you. Monika also tackles pertinent questions about crafting the perfect mix of investments through your own asset allocation. She also underlines the unique dynamics of the Indian real estate market vs the Indian stock market, and explains how your choice of products will depend on how fast you want to grow your money and how much risk you are prepared to take. Tune into an empowering lesson towards unlocking wealth through informed financial choices. Chapters: (00:30 - 05:04) From Simply Saving to Intelligent Investing (05:15 - 09:07) Question: Should I Invest in Long Term Stocks, SGBs, or Mutual Funds? (09:10 - 13:12) Question: Investing in Real Estate vs Stocks in the Indian Market (13:14 - 16:41) Question: When Should You Invest in Lumpsum? If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  Monika's book on basic money management https://www.monikahalan.com/lets-talk-money-english/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta

We're baaaack! Let's go on a whimsical storytime adventure with The Lit Pickers as Deepanjana sits down to chat about kid lit, reading as grown-ups, and the power of the fantastical imagination with award-winning author and editor Bijal Vachharajani. From giggles and comfort reads, to the question of who should have a seat at the literary table, these two long-time friends and collaborators have a lot to discuss. Demi-gods, fairy tales, picture books — there's all kinds of magic in this episode.       You can find Supriya Nair at @supriyanair and Deepanjana Pal at @dpanjana on Instagram.    If you have any books, reading or literature-related questions, please email us at contact@maed.in.    For a list of all the books mentioned in the season so far, check out: https://thelitpickers.fanlink.to/books   This is a Maed In India Production; check us out at www.maedinindia.in.  Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta   Theme Music: Easy Wanderlings - Here's to You

As the budget season approaches, Monika sheds light on the fiscal deficit, a critical number in the annual budget. Explore how the deficit impacts your life, how the government finances it, and why it matters where the borrowed money is spent. Uncover the intricacies of deficit financing, borrowing, and the ripple effects on inflation and private sector growth. Discover the government's spending priorities and the balancing act to prevent runaway inflation. Monika also answers your questions about the nuances of mutual fund strategies. She discusses passive vs. active funds, crafting the perfect fund mix, and the pitfalls of an overflowing portfolio. Monika navigates these queries, offering guidance for long-term investors, DIY enthusiasts, and those juggling numerous funds. Chapters: (00:30 - 09:10) Decoding The Fiscal Deficit (09:19 - 15:28) Question: Should I Stick To Passive Funds or Try Investing In Active Funds? (15:32 - 19:28) Question: What Is The Right Mix Of Funds? (19:30 - 24:04) Question: How Many Funds Do I Need In My Portfolio? If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com  https://www.monikahalan.com/a-growth-push-and-a-nudge-to-salaried-class/ https://www.monikahalan.com/three-regulation-changes-that-make-mutual-funds-safer/ https://www.monikahalan.com/riding-out-the-economic-downturn-with-mutual-funds-episode-1/ https://www.monikahalan.com/retail-investors-should-stay-with-mfs-and-ignore-appeals-to-jump-into-smarter-products/   Monika's book on mutual funds https://www.monikahalan.com/lets-talk-mutual-funds/ Calculators https://investor.sebi.gov.in/calculators/index.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Sarthak Ray Artwork: Alika Gupta

Snuggle up under your cosiest blanket because in this episode, we're diving under the covers of books that feel like a warm literary hug. Are comfort reads guilty pleasures, or is there something else about them? Are these books that offer clear answers, or do they complicate the picture for us? Join us as we spill the (bookish) beans on what brings us comfort between the pages.   You can find Supriya Nair at @supriyanair and Deepanjana Pal at @dpanjana on Instagram. This is a Maed In India Production; check us out at www.maedinindia.in.  Theme Music: Easy Wanderlings - Here's to You If you have any books, reading or literature-related questions, please email us at contact@maed.in.  For a list of all the books mentioned in the season so far, check out: https://thelitpickers.fanlink.to/books

In Episode 08, Monika breaks down the factors that influence currency strength. Delve into the complex world of currency markets, and discover why a strong currency isn't preferred by exporters. From inflation to capital flows, Monika explains what causes the rupee's depreciation and offers insight into the economic forces shaping our global transactions. Monika also takes on your questions about planning for your retirement! Are your twenties too early to be planning? How should you begin to calculate how much you'll need? How do your capital investments factor in? Tune into this episode to get answers to all your woes and worries about retirement planning. Chapters: (00:30 - 09:30) Factors Affecting Rise & Fall of Currency (09:47 - 14:00) Question: Do I Need To Plan For Retirement In My Twenties? (14:01 - 19:35) Question: Calculating My Retirement Corpus With Kids (19:38 - 23:23) Question: How Much To Put Away For My Retirement Kitty? If you've got questions about the Union Budget, share them with us! Monika will be getting into the nitty gritties of why the Budget matters to us as citizens in an upcoming episode. You can email us at mailme@monikahalan.com or leave a message in the comments! Monika's Columns Related to Currencies https://www.monikahalan.com/is-the-dollar-getting-dethroned-not-quite/ https://www.monikahalan.com/why-is-it-so-annoying-to-send-money-abroad/   Retirement Calculator https://investor.sebi.gov.in/calculators/Visual_Gold_Planner.html https://investor.sebi.gov.in/calculators/Assets_Allocations.html You can find Monika on her social media @monikahalan.  Twitter @MonikaHalan Instagram @MonikaHalan Facebook @MonikaHalan This is a Maed In India Production; check us out at www.maedinindia.in Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Sarthak Ray  Artwork: Alika Gupta

Retrieve your cuppa. We are spilling the tea on the good, the bad, and the ugly of “Beyond the Story,” a book that promises the behind-the-scenes story of the K-pop group and global phenomenon, BTS. We're in conversation with Sharanya, our former podcast producer and a member of BTS Army. From the highs to the lows, we dissect what disappointed us about the book and uncover its saving graces. We share insights on  BTS for the uninitiated, delve into the individual musical tastes of the boys, speculate on their comeback, and discuss the unique connection they've built with their fans. Join the debate: is the book a literary delight or is it merch?  Pssst: We're going on a little break, but we'll be back next month! In the meantime, tune into Sharanya's playlist, “BTS songs as stages of grief” here.   You can find Supriya Nair at @supriyanair and Deepanjana Pal at @dpanjana on Instagram.    If you have any books, reading or literature-related questions, please email us at contact@maed.in.    For a list of all the books mentioned in the season so far, check out: https://thelitpickers.fanlink.to/books   This is a Maed In India Production; check us out at www.maedinindia.in.  Creative Director: Mae Mariyam Thomas Project Manager: Shaun Fanthome Head of Audio: Kartik Kulkarni Producer: Meghna Gulati  Sound Editor: Lakshman Parsuram Artwork: Alika Gupta   Theme Music: Easy Wanderlings - Here's to You