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Use your credit card judiciously!
Credit cards provide a great convenience to us when making our transactions. If used in a right way, it gives a maximum convenience and benefit. In contrast, if it is used in a wrong way, they become...
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When should one apply for a personal loan?
Personal loan is one of the easiest and quickest means of raising capital without too much of documentation required. But due to its very nature of being unsecured the interest rates on personal loans...
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Renting out to pay home loan?!
Rajeev Chockalingam is currently working in Mumbai and hopes to retire in a farm house near his hometown, Coimbatore, a tier II city after the next 10 years. However, he wants to ensure he has enough...
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Credit Card essentials for beginners!
The thrill of acquiring a plastic card that accords unlimited financial freedom is a joy most people savor. But along with the freedom comes a huge responsibility of managing and handling the card...
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Have a credit card personality?
When we talk about credit card usage we find different people managing it in a different way. Some people are highly disciplined and never default on their monthly installments and others are so messy...
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Understand loan transfer!
A home loan transfer (also known as refinancing or balance transfer) is an option that most individuals opt for to avail the benefit from lower interest rates prevalent in the market. Usually the...
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Tips to effectively utilize your credit card!
Credit cards that tell you “buy now, pay later” are a great convenience when your cash is stretched for purchases. However wise use of credit cards is very important for your financial health. A...
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7 alerts for a money crunch!
Can you survive a job loss for six months? Do you have some funds stashed away for such emergencies until you gather your reins and surge ahead confidently with a new job and a new plan for the future...
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Personal budget, a must!
Photo Credits : Inha Leex Haley It is a good idea to categorize your payments under different headings like daily living expenses, entertainment and vacation, health etc. This will give you a fair...
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Evaluating personal loan against fixed deposits!
Fixed deposits in banks are one of the most preferred investments by risk averse Indians who also look forward to earn a higher interest rate as compared to the normal savings account in the bank. Now...
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Credit – Benefits vs. Cost ?!
Polonius, a character in Shakespeare’s play “Hamlet” advises his son, “Neither a lender nor a borrower be”. With due respect to Polonius and his genius, credit has become a part and parcel of our...
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Protect family from debt!
There is no place like home. It is a secure haven that everyone loves to retire to after a hard day’s work! However, in today’s scenario, a home without a loan is unthinkable for an average Indian...
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Tips to avoid financial crunches!
Managing your finances efficiently is extremely critical in financial planning. This is true for both individuals as well as businesses. Imagine the case of an individual, when his salary increases at...
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Dangers of chit fund investing!
Sarita and her husband Shiva earn an income by working as a maid and a driver in the Vijayawada district of Andhra Pradesh. They invest a part of their income in the Dhanarashi Chit fund that is run...
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Closing credit card – Snipping is not enough!
Enough can’t be said on the diligent care one must take when handling a credit card! Sometimes, you may feel that a particular card is not of much use to you, or you may realise that you are holding...
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How not to be a loan defaulter!
Becoming a victim of circumstances or willfully being a loan defaulter whether of large sums or for a small amount, is not good for your credit reputation. Often loan defaults occur when you take on...
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Purchases made on EMI – Good or bad?
When its festival time and you notice almost every other shop offering discounts and offers, you are tempted to go on a shopping spree and buy even things you may not need. But what happens to your...
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Credit card myths you should be careful about!
With the credit card being one of the most popular financial products to be in use in modern times, it is very important for every user to be fully aware of its working and implications. Although...
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Credit – Benefits vs. Cost ?!
Polonius, a character in Shakespeare’s play “Hamlet” advises his son, “Neither a lender nor a borrower be”. With due respect to Polonius and his genius, credit has become a part and parcel of our...
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Manage your debts with the onset of 2014!
New Year brings with it new beginnings for all walks of life including financial management. Everyone wants to have a good and perfectly organized financial life but seldom do people achieve the goal....
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