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The August issue of the Finapolis aims to help people become ‘responsible about risk’ through three stories. We list the steps newlyweds can take to get started on the right foot financially. We also talk about retirement. Too many people leave retirement planning for too late a time, which has serious consequences. After all, retirement is the one thing you cannot fund using a loan, because you have no future income. We also explain the intricacies of interest rates, and why falling interest rates need not affect the returns on your investments. WhatsApp has made emoticons or emojis a part of our standard communication. In our lighter features, we look at these symbols and their future. We also tell you how to perfect your elevator pitch, and what it takes to be an entrepreneur. Happy Reading!

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