A Home is believed to be one single biggest asset for any middle-class family during a lifetime. The emotional value and memories attached to it are ‘Priceless'. As I keep highlighting in my posts that Home Insurance is one of the must have insurance covers. In layman terms, home insurance hedges the risk of any loss or damage to the structure of your home because of natural calamity, fire, etc. You may also opt to insure the valuables like jewelry, appliances, and other contents with this plan. Have you ever wondered about what is the true value of your home? Trust me, it is much more than ... Read More
7 Benefits of Payments Bank Account That You Should Know
Payments bank account is the new buzzword in the town after UPI and demonetization. The personal finance space is overloaded with information in last one year or so :). It is good for me as i have a lot to share with the readers of this blog. The readers complain that i take the time to share my views. The simple reason is that i try not to share what you already know. You may find large no of posts on payments bank account but unfortunately, all are one and the same. Let's check the payments bank account from a different perspective. The first reaction of most of the people reg payments bank ... Read More
Premium Payment Frequency – Are You Paying Higher Insurance Premium
The insurance premium is one of the key considerations while buying an insurance policy. At first, to buy insurance or not is a big dilemma, i answered this question in my post to buy insurance or not. Please note that insurance premium is dynamic and variable from case to case basis. Considering everything being equal we prefer a policy with lowest insurance premium. There are multiple factors that impact your insurance premium. For example, Monthly income benefit in term insurance plan can increase your premium. One way to save insurance premium is to buy an online policy. It is a known fact ... Read More
Are You Eligible For A Loan with Lowest Interest Rate
Quite surprisingly Lowest Interest Rate is a key criterion for almost all the new and existing borrowers. It can be safely concluded that 2 out of 3 borrowers avail a loan from Lowest Interest Rate provider typically market leaders in the segment. The rest are not eligible due to various reasons thus settle with other loan providers. From last so many years you might be reading that you can get a loan at lower interest rate if your credit score rating is good. This was a plain lie as none of the lenders was willing to offer differential interest rate just based on the Credit or CIBIL Score. In ... Read More
5 Factors That Will Impact Your Credit Score Rating In Future
On daily basis i receive large no of queries on Credit Score Rating. As i keep highlighting that currently, the credit bureaus consider more than 70 data points to arrive at you credit score rating. In my opinion, it is mostly an eye wash. At the end of the day what matters the most is a handful of data points. I shared these critical factors in my post, Credit Report - 5 Important Factors that decides your credit score. Secondly, you cannot expect an overnight change in your credit score rating. Credit Score is a reflection of your credit behavior and may take up to 6-9 months to reflect in a ... Read More
Mobile Wallets – Is Your Transaction Reported Twice to Income Tax
Demonetization proved to be a boom for mobile wallets. Cashless is the new buzzword in India. It will not be an exaggeration that mobile wallets are one of the synonyms to become Cashless. In my post, Cashless Payments - 15 ways to become a cashless person i shared that mobile wallets are one of the convenient ways to go cashless. To be very honest with the readers, till date i have not come across a single post discussing mobile wallets and income tax angle. Though it might not be relevant in all the cases that we will discuss later in the post. I thought of sharing my views on the same ... Read More
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