One of my reader Mr. Anil Gupta (Name Changed) from Jaipur sent me a query on how to improve CIBIL Score. I must say that there is no scientific formulae to improve credit score. Only Brahamastra to improve CIBIL score is to follow financial discipline & maintain healthy Credit Portfolio. Lot of my readers have availed paid services of some online portals to improve CIBIL Score but trust me none of them can help you to improve CIBIL score immediately. These portals only fool customers. Only Right advice & Credit guidance can help. Lets understand from following case study of Mr. Gupta, ... Read More
Importance of Teaching Financial Discipline to Kids
Recently i attended B'day party of one of my friends 6 year old Daughter. One of the guest presented her Barbie gift hamper. She rejected the gift and said that she already has much better Barbie toy set. Everyone present at the party was zapped. The shocking conclusion is that at the age of 6 she does not care for even 2000 Rs worth gift set as she has easy access to everything. Its not her fault but her parents are at fault. They have not taught her Financial Discipline and everything is easily available at her finger tips. Welcome to the World of Consumerism. Indian Society is changing and ... Read More
Commercial Property vs Residential Property
In life we come across many catch-22 situations when it becomes difficult to select any 1 option. One such dilemma is investment decision related to Commercial Property vs Residential Property. 1st Real Estate investment is always Residential as we feel more secure in our own home even though it is mortgaged :) Commercial Property vs Residential Property dilemma arises when you start searching for 2nd Property. This itch starts immediately after 1st Home Loan Closure or if you have surplus funds for investment. Lets try to solve this puzzle of Commercial Property vs Residential Property. 1. ... Read More
8 Step Financial Planning Before You Buy Dream Home
Decision to buy your dream home should be backed by sound Financial Planning rather being an Emotional Decision. One of my reader Mrs Sonali Patil (Name Changed) from Pune & her husband found themselves in deep financial trouble, just 3 months after buying an apartment in Pune through Home Loan from Public Sector Bank. Though both husband & wife are working but its a wrong notion that if husband and wife are working then they can manage the finances well after real estate purchase. She approached me for financial planning but it was too late. They bought house under family & peer ... Read More
Avoid Hotel Booking Through MakeMyTrip
Annual Holiday is a Bliss. This year i decided to rejuvenate & re-energize myself at nearby Hill Station. Some people feel that over-spending on Hotel Room is a waste of money. In my opinion, it is important to book a good resort to enjoy very few days you get once in a year from hectic schedule therefore i always select 4 star or 5 star resort for my short holiday. Normally, i book resort directly because any booking through agent or intermediate means sub standard treatment at resort. Based on my friends recommendation this time i decided to book hotel room through MakeMyTrip. I ... Read More
Pest Control India – Redefining definition of AMC
Indian households are more prone to pest attacks. You may attribute the same to poor construction quality of house, unhygienic conditions inside or outside house or due to unfavorable climatic conditions. I was facing problem of cockroaches in my house and i decided to avail AMC (Annual Maintenance Contract) of Pest Control India or PCI. Reason for selecting Pest Control India was that PCI is well known Pest Management Company in India. Pest Control India charged me Rs 4000 for AMC. AMC contract included 3 free services during 12 months i.e. 1 service every 4 month & any follow up ... Read More
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