Hi friends, and welcome to this podcast by Angel Broking.
Doston 2020 is not yet over, lekin people are already busy deciding on their resolutions for 2021. After all, new year ke time par, this will power to achieve new goals and change the trajectory of one’s life can lead people to do amazing things. (Telugu)
Hello Friends, ANGEL BROKING wari PODCAST ki swagatham. Mitrulara ennka 2020 yedadi dataledu,gaani chala mandi tama nutana samachra 2021 ki kotha resolutions teeskodam lo busy ga unnaru. Adi yedai na, kotha samachra samayam lo iddi kotha Lakshalu teerchukonay shakti ni istundhi, mariyu eelanti maarpu manshullani chala ashakti kara panulu cheyadaniki sahaya padutundhi.
You must already recognize the necessity of setting financial goals too. Whether you were successful in achieving your financial goals up until now or not, setting new goals is the first step towards making them a reality. Isliye, aaj hum discuss karenge some financial resolutions that you should consider taking up for the new year 2021. Toh lets start right away! (Telugu)
Meeru grahichal sindi enti antay oka laksham pettukovadam chala mukhyam anni. Meeru mee paatha(old) lakshalu sadhinchina leda sadinchaleka poyina kotha lakshalu nirmaninchandi, adi ooka mudati adugu mee gelupu pai. Eeeroju manam konni Ardhika resolutions gurunchi charchisdam, yevvi ayithay meeru 2021 lo drusti pettav valsinavi.
Number 1 - Although we are talking about 2021, 2020 abhi khatm nahi hua hai. What’s better that starting the new year without the stress of filing your last year’s ITR after the due date? That’s right - December 31, 2020 is the last date to file your ITR for the period of 2019 to 2020. And don’t forget - apna ITR late file karne pe you will now have to pay a penalty - if you look at it another way, it is a liability you will carry forward for a simple error in scheduling. So go get your taxes in order, and enter the next financial year with a solid start. (Telugu)
Okkati 1- Manam 2021 gurunchi matladtunam ,Gaani ennka 2020 yedadi mugincha ledu. Deeni kantai manchi em undhi mana kotha samachram ni ye chinta lekunda mee poyina samachra ITR file cheyadam. Due date taravtha? Adi nizam December 31, 2020 aakhari roju mee ITR file cheyadaniki 2019 - 2020 kalaniki. Mari marchi pokandi okkavela meeru aalasyam chestay? Meeru penality kattavalsi ostundhi. Mueeru innko daari lo choostay idi mee baaki yedaitay meeru munduku teesku veltunaru. Aithay vellandi mee paanulani(Taxes) order lo petti meeru kotha Ardhika yedadi lo okka Gatti modalu toh prambhinchandi.
Number 2 - If you are looking to maximize your savings for the next year, don’t forget to save taxes on investments. We just talked about filing your ITR before the due date - but don’t wait to make investments for saving tax up until the due date? Do you know why, doston? Kyunki sometimes, jab aap investments ke liye apply karte ho, to you might experience a delay of 3-4 days as a result of the processing time. Is reason se aap apne ITR mein tax deductions claim nahi kar paoge. Entering the new year, investments regular intervals me timely basis par karte rahen. (Telugu)
Rendo di 2- Okavela meeru mee podupu ni kanista sthayi lo choodali anukuntunara occhey yedadi lo? Mee investments mida pannu ni kapadakovadam marichi pokandi. Manam ITR due taariku gurunchi matladkunam, gaani pannu ni ada cheskodaniki investment cheyanidi gaani due date warku Yeduru choodakandi. Enduko meeku telusa? Okoo sari meeru investment kosam apply chesinappudu meeru moodu rojula nunchi naalgu rojula warku alasyam avthundhi processing samayam ki. Daani walla meeru ITR lo tax deduction nu claim cheyaleru. Nutana samacharam lo adugu pedtu parsapara samayallo investment lu chestu undandi.
Number 3 - Apne financial goals ko redefine karen. 2020 kai logon ke liye ek turbulent year tha - markets mein instability bhi dekhne ko mili, and some people’s investments went down. Lekin think about this - first of all, apke investment goals market conditions se define nahi hone chahiye. Do you know why? Kyunki despite the steep downfall that hit the market in 2020, all the stock markets globally caught up and recovered within five months. Learn something from this - stock markets mein rock bottoms hit hote rehte hain, lekin over the long terms, these curves flatten out, and what stands out is growth of your funds. So set your financial goals, and accordingly apn investments ko plan karen. (Telugu)
Moododi 3- Mana ardhika lakshala ni sarididukondi. 2020 chalamandhi ki okka trubulent samachram ga miglildi- innka market chala stiratwam kolipoyindhi choosam mari chala mandi investment lo baga degajari poyayi. Gani deeni gurunchi kuda alochinchandi- Munduga mee investment lakshalu market paristitula mida adhara padi unnda voodhu. Endduko mee telusa? Enduku antay 2020lo market ki deba padi, baga deegajarina, Anni stocks antharastriyanga aydu(5) nelallo twaraga koolukunnai. Deeni nunchi konchem neerchu kondi-market lo gatti debalu unntai, gaani deergha-kalikam ga, eevi curves sadharana padtai gaani edi aitay sthiram ga untundo aaday mana funds ni edugistayi. Anduke mee ardhika lakshalu ni set cheskondi ennka mee investments ni plan cheyandi.
Number 4 - Pay attention to your banking. Kai log apne inactive accounts se simply transact karna band kar dete hain, and leave them dormant. So request for closure of your inactive accounts, and keep your active accounts under a magnifying glass. More on that later - lekin on the topic of banking - kya aap apne bank accounts ke transactions ko segregated rakhte ho? If you have two bank accounts, segregate your transactions and deposits by purpose. For example, use the salary account for your regular, day-to-day transactions, and use your savings account for investments and emergency funds - keep your EMIs and credit card purchases on one account, taaki aap apne liabilities aur assets ko easily track kar payen. Doston, remember this important point: before adopting health financial habits, aapko apne finances ke baare mein detailed information hona bhi equally zaroori hai. (Telugu)
Nalgodi 4- Mee banking payi drusti pettanadi. Chala mandi walla inactive khata lo nunchi chinna transaction lu cheyadam apestaru mariyu vadilestaru. Anduke mee inactive khata lani muusiveyandi mariyu mee active khata lani mee bhuuta-Addam payi pettandi. Ippudu Banking payi vyavarisdam. Meeru mee bank khata lavadevi ni segregated pedtara? Oka vela meeku rendu bank accounts untay danai mee lavadevi lu mariyu depositlu segregate cheyandi. Vrudhaharnaniki mee jeetham okka khata mee rojuvari karchulaku vadandi mariyu mee Savings khata mee investments ennka athi avasara funds kosam. Mari mee EMI ennka CreditCard konugolu okka account pai, deeni walla mee Astulu mariyu mee badhyatalu pai meeku sulabhavam ayina avagahana unyundhi. Mitrulara ee mukhyama ayyina mata gurtupetukondi, meeru oka dhrunam ayina ardhika alavatlu modalupettay mundhu mee ardhika paristitula gurunchi meeku avagahana unndadam chala avasaram.
Number 5 - Last point mein hum healthy financial habits ki baat kar rahe the. Have you managed to save less money than you had initially planned at the beginning of the last year? Are your finances in a bad shape. No matter how much your earnings, agar aap apne paise ko intelligently manage nahi karoge, toh no amount of money will look enough, and neither will you find financial stability from increasing your earnings. Instead, apne earnings ko 50-30-20 rule se manage karen - yani,apne earnings ka 50% portion needs par spend karen, 30 percent wants pe, aur 20% ko save karen. This can take your finances up a notch in a short time period. Agar aap spending ko regulate karne mein unsuccessful feel karte ho, toh you can also take some help from a smart financing app, jo aapko healthy spending habits form karne mein madad karta hai - now that’s a real investment in yourself, and a big change you can resolve to undertake for the coming year! (Telugu)
AYdodi 5- Poinna point lo mana oka dhrunam aayyina ardhika alavatla gurunchi maatladukunamu. Meeru pona yedadi modati lo annu kunna dani kantay takkuva dabbuni ada chesara? Mee ardhika paristiti chala darunam ga undha? Meeru entha sampadinchi na, meeru okavela baga churuku ga paripalana cheyakapotey? Entha dabbu unna, saripoodu mariyu mee ardhika paristiti santulana ga undadu. Meeru mee aadayani 50-30-21 Rule toh paripalinchandi- anntay meeru Sampadinchina dantlo 50% bhagam mee karchula pai upayog inchandi,30% kavalsina pai mariyu 20% ada cheyandi. Idi mee ardhika paristiti ni twaraga kolukune la chestundhi mariyu manchi sthayi lo tessko veltundhi. Meeru mee karchu lani regulate cheyaleka potunnara? Aiythe oka ‘Smart Financing app’ toh sahayam teeskondi. Iddhi meeku chakachityam ayyina karchu cheyadam lo sahayam chestundhi. Iddhi okka nizam ayyina invesment meegurunchi, mariyu okka pedda marpu meeku upayam galigistundhi ocche yedadi ni eyladaniki.
Number 6 - Doston we were also talking about credit cards previously. Kai log credit cards ko criticize karte hain, kyunki they believe ki credit cards promote bad financial habits. Lekin, think about it this way - just because you can afford to buy something on short-term credit, should you really buy it? And is that all credit cards are good for? The truth of the matter is that credit cards aapko kai benefits provide kar sakte hain. For example, do you regularly dine out? Why not use credit cards that offer you discounts at your favourite restaurants? Keeping 3-4 credit cards for availing the best offers can help you sav on what you already spend on - lekin agar aap apne multiple credit cards ko abuse kar rahe ho,. Toh that says more about your financial habits needing to change, rather than the number of credit cards you have. Form healthy financial habits first, and then use credit cards to maximize your savings rather than spendings. (Telugu)
Snehitulara, manam CreditCard gurunchi matladkunam mundu, Chala mandi Credit card ni vetrekistaru, ennduku antay wallu credit card toh ardhika samasyalu ostai anukuntaru. Gaani ee daari lo choostay- oka veela meeru yedi ayina okka vastu oka konchem time appulo konagaloro? Adhi konali annukora? Nizam enti antay credit cards meeku chala labhalu istayi. Vrudharnaniki meeru regular ka baita bojanam cheyadaniki veltara? Aitay creditCard use cheyandi, deeni toh meeku mee pasand aayina Hotels payi Discounts isstayi. Meeru Oka moodu(3) leka naalgu(4) credit card lu meedegara unchandi manchi offer kosam. Deeni toh meeru dabbu kuda adaa cheya occhu. Oka vela meeru maultiple credit card abuse chestunara? Ayithay mee ardhika alavatlani marchu kovali. Okka arogyam ayyina ardhika alavatlani samakoor chandi Taravatha credit card ni waadandi mee podupu ni ganista sthayi ki tevandi.
Number 7 - Everyone talks about diversification, lekin diversifying successfully takes some research and effort. In fact, aap 2020 ke investment experience se kai saari observations ko 2021 mein practice mein lekar aa sakte ho. For example, pandemic hit hone ke bawjood, there are some sectors which outperformed their own historical records. Tech stocks stood out in the US markets, and in fact, India mein bhi IT sector mein significant growth dekhne ko mili. Pharma stocks took a bearish turn too, despite a global bearish environment. All these observations teach us one thing - diversification ko koi “one size fits all times” strategy nahi hoti. In fact, to diversify effectively, aapko markets par ek birds eye view bana ke rakhna chahiye, and you should pay attention to your investments in this context. (Telugu)
Eedodi 7- Prati okkaru diversification gurunchi matladtaru, gaani diversifying vaividhyam ga cheyali anntay koncham parisodhana avasaram ennka koncham prayathnam kuda. Adi yela ayina meeru 2020 lo meeku ochina investment anubhavam toh? 2021 pai practice cheyaoochu. Vrudhaharnaniki pandemic valla entha debba padina konni sectorlu baga raninichayi tamma gatham lo lennatu. Tech stocks US lo baga ne raninchayi mariyu bharath lo kuda IT sector lo Edugudala kanipinchindi. Pharma stocks kooda brearish malupu tesskunai alanti paristitullo. Evi annai pariseelistay manaku em telustundhi antay Diversification ki eppudu okay lanti vyuham pani cheyadu. Okavela baga diversify cheyadaniki market pai chuupu petti unchadam avasaram, ennka mee investments mida drusti petandi.
Number 8 - Investments ki baat ke chalte liabilities ki baat bhi kar lete hain. Doston agar aapke existing loans ya purchases par EMIs active hain, toh timely repayment karna na bhoolein. Ye isliye, kyunki aapki credit history will be a crucial aspect of your financial life of the future. Keeping a good credit health is important, and there are very simple habits which can keep your credit score in the above average range - for example, loans par default na karna is a no brainer - lekin regular, timely repayment on your small loans can make you eligible for borrowing more. Before you actually borrow more, understand if your EMIs fit snug into your monthly finances to avoid an unnecessary financial pit. Keep your spending habits in check with your credit card too, as abusing your credit card to its maximum limit can also negatively impact your credit scores. (Telugu)
Enmidhi 8- Investments taravatha manam badyatala gurunchi maatladaam. Friends okavela mee ippudu unna loans lekapothe konugolu EMI active untay? Samaya mida jamacheyandam maravakandi. Enduku antay mee appu charithra chala mukhyam mundu mundu mee ardhika jeevitaniki. Okka manchi appu charithra chala avasaram. Chala chiina alvatlu unnai yevi aitay Mee credit score ni above average ga unchadam lo sahaya padtayi. Vrudhaharnaniki loan teeskoni Kattakunda default chestaro wallani No BRAINER antaru. Gaani samayam mida loan lu tiragi kattestay? Meeru ennka koncham loan rabadi ki arhata pondutaru. Meeru ennka koncham aruvu teeskunay mundu mee EMI ni ardham cheskondi mee nelawari finances ku, ana-vasaram ayyina ardhika goyyi lo padakunda. Mee CreditCard karchula alavatla pai kuda drusti petandi, Ganitha sthayi lo credit card wadadam kooda negative Impact iivoochu credit score pai.
Number 9 - Digital security mein negligence ki jagah diligence practice karen - when you are transacting online, always look for signs of safety and digital trust. 2020 mein cybersecurity saw massive growth, kyunki the number and variety of threats is increasing with digital transactions - but this doesn’t mean ki you have to stop transacting digitally - all you need to do, is to practice diligence while transacting online, just as you would when you transact at a shop. Put some effort into making strong passwords, and more importantly, remembering them. After all, forgetting passwords can be time consuming and frustrating in addition to being risky. (Telugu)
Toomidi 9- Digital Security mida Nirlakshayam pramadam, daani payi inteligency wadandi. Meeru online lavadevi chesay tappudu, eppudu rakshana mariyu digital namakkam pai choodandi.2020 lo Cyber Security pai chala edugudala kanipinchindi. Enduku antay chala bedurimpulu perugutunai digital transaction la mida. Antay deeni ardham meeru online transaction lu cheya oddu ani kaadu. Meeru em alvatulu chayalo antay koncham chakachatyam ga undali. Ela antay koncham dhrunam ayyina passwordlu pettukovadam mariyu aa password ni baga gurtu petukovadam. Mee password ni meeru marichipotay daani kantay samayam vrudha ayyadi innkoti ledu.
Toh doston, these are some of the resolutions that you can take up for the coming year. Yaad rakhen, ki habits are more impactful then one-time actions, chahe aap monetary investments ki baat karo, ya fir personal investments ki. In fact, developing some healthy financial habits can be difficult, lekin these habits will help you give a new shape and definition to your financial goals and how you achieve them in the long run. So start taking up resolutions today, even if it is just one - make a habit, and see it through to the end. Angel Broking wishes you the very best, as you resolve to your new financial goals for the next year.
Goodby friends, until we meet the next time! (Telugu)
Aitay mitrulara, eevi konni resolutions yevi ayitay meeru nutana samachram loo teeskovali si navi. Gurtupeetu kondi alavatlu chala prabhavitham ayyinavi, meeru ardhika investment gurunchi matladina leka mee personal investment gurunchi. Adi yelaga ayina oka arogyam ayyina ardhika alavatlu cesukovadam chala kastam gaani meeru alavatu chesukuntay?aavi meeku chala upayoga padtaiyi mee deerghakalika ardhika lakshanalani teerchukovadam kosam. Aitay eeroju nunche resolutions teeskovadam modalu petandi. Okkati ayina parvaledu, okka alvatu chesukondi marri daani ni cheevaru warku oche laga choodandi.
ANGEL BROKING meeru teeskunay Nutana samachra resolutions ki mariyu mee 2021 investment prayananiki Shubham palukutundhi.