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Personal Finance TV
India
เข้าร่วมเมื่อ 6 มิ.ย. 2024
Your Guide to Finance, One Video at a Time!
Managing finances can be complex and overwhelming, but that's where Personal Finance TV comes in. Our mission is to spread financial awareness and simplify personal finance, helping you take control of your money.
We don't just focus on numbers-we bring in real stories, expert insights, and a touch of entertainment. Because, let's be honest, finance shouldn't be boring. Whether you're tackling debt, building wealth, or just looking for peace of mind with your finances, hit subscribe and join us on this journey to financial well-being.
Managing finances can be complex and overwhelming, but that's where Personal Finance TV comes in. Our mission is to spread financial awareness and simplify personal finance, helping you take control of your money.
We don't just focus on numbers-we bring in real stories, expert insights, and a touch of entertainment. Because, let's be honest, finance shouldn't be boring. Whether you're tackling debt, building wealth, or just looking for peace of mind with your finances, hit subscribe and join us on this journey to financial well-being.
How brands trick us into spending more?
With technology at our fingertips, shopping has never been easier. From quick payments to free delivery, it's so convenient that we often buy things we don't need, sometimes just to lift our spirits. But did you know brands use our emotional state to drive these purchases?
In this episode, we dive into the psychology behind retail therapy with Ritu David, founder and CEO of The Data Duck, a digital product development and design firm. We explore:
-How brands leverage emotions to encourage buying
-Upcoming tech advancements that could make retail therapy even more irresistible
-Tips to help you avoid impulsive shopping decisions
Timestamps:
0:00 - Introduction
01:00 - What is retail therapy?
02:12 - How prevalent is retail therapy across different age groups, demographics, and income levels?
03:20 - How brands use data to make products more accessible
05:09 - The role of influencer marketing in driving more purchases
13:45 - Top 5 strategies brands use to encourage purchases
21:18 - Tips for mindful shopping to avoid retail therapy
Disclaimer:
This content is provided for educational and informational purposes only. The views expressed by our guests reflect their personal opinions and experiences. Our intent is not to defame or cause harm to any individual, entity, brand, or product mentioned. We aim to offer insights that empower our audience to make well-informed decisions. Viewers should consider their unique circumstances and consult with qualified financial professionals when necessary before acting on any information presented in this video.
Guest social Media:
LinkedIn: www.linkedin.com/in/ritu-david/
Instagram: ritu_david?hl=en
Twitter : x.com/RDConsultingIN
In this episode, we dive into the psychology behind retail therapy with Ritu David, founder and CEO of The Data Duck, a digital product development and design firm. We explore:
-How brands leverage emotions to encourage buying
-Upcoming tech advancements that could make retail therapy even more irresistible
-Tips to help you avoid impulsive shopping decisions
Timestamps:
0:00 - Introduction
01:00 - What is retail therapy?
02:12 - How prevalent is retail therapy across different age groups, demographics, and income levels?
03:20 - How brands use data to make products more accessible
05:09 - The role of influencer marketing in driving more purchases
13:45 - Top 5 strategies brands use to encourage purchases
21:18 - Tips for mindful shopping to avoid retail therapy
Disclaimer:
This content is provided for educational and informational purposes only. The views expressed by our guests reflect their personal opinions and experiences. Our intent is not to defame or cause harm to any individual, entity, brand, or product mentioned. We aim to offer insights that empower our audience to make well-informed decisions. Viewers should consider their unique circumstances and consult with qualified financial professionals when necessary before acting on any information presented in this video.
Guest social Media:
LinkedIn: www.linkedin.com/in/ritu-david/
Instagram: ritu_david?hl=en
Twitter : x.com/RDConsultingIN
มุมมอง: 80
วีดีโอ
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Thanks for such a valuable content. I liked the interviewer, not interrupting the guest. 🎉❤
Glad you enjoyed it!
Great podcast which gives excellent clarity on early retirement and planning for the same.
Glad you enjoyed it!
That's quality content, the guest explains it in so easy words...
Glad you found it valuable!
This is very insightful
Glad you found it insightful!
nice content, thank you
Thank you for the appreciation!
Very nice interview with nice knowledge person 👍 👌
💯
❤❤❤............😊😊
So true!
Content is good. Scope to improve audio.
Great content by Dr Menon as always
Key point here: he had a business income.
Aap Anupam tripathi finance sir ko bulao
Good one guyz 👍
Glad you liked it
Regarding the rental yeilds, understand 7 to 9 %, on the invested value, property value, also if so, though the percentage remains in the 7-9 range, the monthly amount shall increase over the next years?
SBI is still giving balance transfer option
HANDA is Ganda ?
I have a very good answer to "What do you do" question... I watch youtube videos.
Answer like I am a full time investor
Amazing interview, thanks for inviting Ravi. Also the choice and sequence of questions are fantastic. Thank you.
Thank you so much! We're glad you enjoyed the interview and the questions.
He is very straight forward, talks from heart.. very helpful as well. I could intract with him once.. as I was stuck and needed financial advise. Thanks to him for being helpful..
Without Indexation it will not work at all. FM screwed us all for the Indexed pension of sarkari babus. Hope you know it.
Whatever he said is just what a regular guy thinks about his finances, career and life. Good to know about the after life of retiring into. I really like how he put things into perspective in an easy manner rather than complicating things.
He is from IIT / Super person!!
bhai iska figure change hota hi rehta hai, chalu hua tha 8 -9 crore se aaj bolta hai 12 crore, inflation adjusted corpus batata rehta hai ye banda.
8 was initial target. 12 is with buffer
8-9 was the initial goal. Was a little under 12 when I quit. A little under 15 now. Numbers change with time and consumption. Markets have been kind for a while.
Whatever he says but it clearly looks like he is kind of bored. Sometimes people like to work just because they want to be a part of a daily routine and live an active life.
I am bored. Obviously. 🙂 But better than working in a job I don't like.
@@ravihanda yea bro i understand.
He infact answered that. He said being bored is better than working on a schedule that he does not like. Ofcourse that’s for him. May not be the case for all
Very good discussion. Please bring more such videos on FIRE. Thanks.
Glad you enjoyed the discussion! We’ll definitely bring more videos on FIRE soon. Thanks for your support!
Valuable sharing
Glad you found it valuable!
Sir pls try some this type of knowledge in hindi also if possible you can easily do this I personally know it. Keep it up sir
I am from the ICQ generation when people were easygoing and honest. Nowadays it's all about scamming and taking each other's arse. Very sad.
Very insightful and well presented!
Glad you found it insightful!
Crisp and insightful!!
Glad you found it helpful!
Very insightful. So good to have you back on Media. You are filing the gap of the Industry
Thank you for the appreciation! Glad you found it insightful!
4:33 25 * 6 Lakh is 1.5 Cr not 1.25 Cr.
Thank you for bringing this to our attention! We’ll keep it in mind for next time. Really appreciate your support!
Always keep an eye on the tenure of the mortgage as the longer the tenure - all your EMI in the initial years go towards interest payment and not principle payment. Never take long tenures unless you require- Lower the EMI, higher the interest you will pay so be prudent on the tenure and even if you repay later despite taking longer tenure, you would have ended up paying more interest than principle. Tenure and EMI is the balancing act that you need to do in Mortgages and always ask for statement on a semi-annual or annual basis to calculate and see if the principle O/s matches while filing your tax returns.
Indeed! It’s crucial to balance tenure and EMI carefully to avoid paying too much interest over time. Regularly checking your statements is a smart way to stay on top of it. Thanks for sharing!
😮😮😮
Elitist panelists on TH-cam are the ones parroting iPhone as a status symbol. It’s not true any longer. iPhone costs are on par with other manufacturers and many models are actually cheaper. With higher resale prices and a stable user experience driving the purchase, can “bling aspirations” be an accusation.
Most carriers around the world subsidize mobile prices and package the phone into a contract term. It’s a false notion that only Indians aren’t buying the iPhones outright.
14:39 woah!!! Need to check mine!😮
I have seen this guy somewhere
Yeah bro his name is Aaditya Iyengar
Are the fraudsters getting caught? They destroy the SIM cards, so how likely is it for them to get caught?
Thank you for your question! We've passed it along to our expert, and we'll be addressing it soon.
Yes. They still can get caught. Tracing is not only through SIM, even internet and banking transactions gives a lot of traces to the police
Today only I got a call from fedex, talking same things like parcel, illegal things etc. I told let the custom people come to my place and I will handle the things. He disconnected the call😂😂
Wonderful debate
Glad you enjoyed it!
I faced another big scam in my home loan: Took the loan in 2021 from one the top private banks of India when the interest was 6.8%....from that the repo and interest grew to 9.3% and guess what, they kept on increasing my tenure all this while, my tenure nearly doubled from 20years to 38years...when I reached out to them last year and asked for tenure reduction and EMI adjustments they said its not possible..EMI is locked in and tenure will increase..!!!!...Later i guess RBI made the option of adjusting tenure & EMI mandatory so now on when the repo rate increased they send an SMS informing us about the option to adjust the tenure & EMI both. I think only regulations can save the consumers...cant trust the companies in taking care of their cash cows!
It sounds incredibly frustrating to deal with such a situation, especially when you’re stuck with increasing tenure and EMI without the flexibility to adjust earlier. Regulatory intervention indeed seems necessary to ensure banks provide fair options to consumers. Thank you for sharing your experience, it highlights a critical issue many face.
Really informative podcast
Glad you enjoyed it!
Recently, my brother shared how a scammer extorted 1 lakh rupees from his friend. We've also warned our parents not to trust any calls claiming we've been in an accident or anything related to me or my brother. The world has become a scary place, especially for our parents, who have limited understanding of the digital world.
wow! wasn't aware of most of these... used to think I am tech savvy & can never get scammed. now it feels like things were better when there were no smartphones.
Thanks for sharing your thoughts! Scams are definitely getting more advanced, and it’s a reminder for all of us to stay cautious. Glad you found the information helpful. Stay safe online!
I really love your channel as there is no clutter, no childish behaviour (fun element), no fake news just pure and healthy content that I think is the most needed in today’s TH-cam community. Wishing you the very best ❤ Edit- This video is the exact answer to my question asked in one of your previous video about Studying abroad Thanks again 😊
@@chiragsah1714 Glad you found it helpful ❤️
Editing is good, specially the way few topics are explained via animation and graphics..reallly helpful and easy to understand.👍👏
True!💯 the graphics n animations makes video even more interesting, specially when there’s data and number!
Office exists because of toxicity..
👍🏻👏🏻
Personalisation has always been a key factor in almost every sector nowadays! Its very important 💯