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About me - Vinay Kumar

Hi, my name is Vinay Kumar. I am an Accountant (Financial Analyst) at one of the largest investment banks in Fiji Islands. I enjoy writing mostly on personal finance as I know somewhere and somehow my tips and suggestions will help someone.

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Personal Finance > Budgets & Saving Top 10 tips for financially struggling students
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Financing ones education is difficult these days, especially with the current global crisis and high rates of inflation. However, there are a number of techniques and procedures which students can use to manage their financial position and successfully complete their studies.Tip number 1: Try to get a scholarship. This is a c... More..

Personal Finance > Budgets & Saving Tips for budgeting when income doesn't meet expenses
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It sometimes becomes difficult to manage our income and expenses and soon we get hit by the fact that we are spending more than we are actually earning. This means we enter a stage of budget deficit and the best way to overcome this in the short term is to prepare a proper budget and follow it. The first thing to do is to dec... More..

Personal Finance > Financial Planning Tips for financial planning in your twenties
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Financial planning is important for people of all ages. Some people in their early and even late twenties believe that the process of financial planning should be implemented when a person is in their late thirties or early forties. However, these people are wrong.The process of financial planning should start at early twenti... More..

Personal Finance > Budgets & Saving How to cut down on living expenses
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Cutting down on living expenses can be difficult especially because it directly relates to an individuals lifestyle and standard of living. Thus, first of all, an individual must be clear about his or her goals and be committed to cutting down on expenses and be willing to give up some of the items to which they have become f... More..

Personal Finance > Stock Market The price-earning ratio of a share
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The price to earnings ratio or the PE, is simply the ratio of a company's share price divided by the that particular company's earnings per share, earnings per share being the company's net profit after tax divided by the number of issued shares of that company. For example, if company A has earned a net profit after tax of $... More..

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