Ganesh M. Pandit, DBA, CPA (La-inactive), CMA | Source | Associate Professor - Accounting at Adelphi University
Ganesh M. Pandit, DBA, CPA (La-inactive), CMA
Ganesh is an Associate Professor of Accounting at Adelphi University. He engages in scholarship leading to conference presentations and publications in peer-reviewed journals. Ganesh has developed three new graduate courses in accounting to be offered in two new graduate business degree programs of the Willumstad School of Business (WSB) at Adelphi U. He has initiated and successfully led the redesign of the undergraduate accounting curriculum that reduced the length of the BBA in Accounting program by 2 credits and made it easier for incoming students to minor in a non-business field.
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Adelphi University (https://www.adelphi.edu/)
Associate Professor - Accounting
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Survey: College students need help with financial literacy
A survey of students’ personal finance realities reveals theneed for stronger financial literacy education and support.
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Empowering Women: Building Emergency Funds with Expert Tips
Ganesh emphasizes the importance of prioritizing emergency funds for women. He advises mindset shifts, like understanding unforeseen emergencies. "Evaluate expenses and set aside fixed savings," he suggests. Tools like separate accounts for savings ensure consistent contributions. Visit his faculty page for more insights. -
Recession Alert: Impact on 401k and Retirement Plans
Ganesh warns that a recession could decrease 401k values, causing retirees to hesitate on withdrawals or delay retirement. He notes, "A recession or just the fear of a recession could cause the stock market to decline," leading to financial insecurity and the need for alternative income sources. -
Maximize Your IRA: Expert Insights on Returns and Growth
Ganesh explains, "An IRA's return depends on its investments. Stocks and mutual funds typically yield higher returns than CDs or bonds." He adds, "Compounding significantly boosts growth. For example, a $20,000 investment at 6% compounded annually grows to $23,820 in three years." Tax benefits also play a role: "Traditional IRAs grow tax-deferred, while Roth IRAs offer tax-free growth under certain conditions."
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A lot of students think they’ve mastered financial literacy, but their knowledge is basic. One of the options is ‘not disclose my income to the government.’ A few students think that’s the correct answer.
