"Childhood goes Forever and Old Age comes Forever". Once upon a time, Life was so beautiful when i was a Kid. I miss my childhood days when 24 hours were more than sufficient for me. I along with my friends used to find out ways to kill the time. We used to get time for every activity in this world like Painting, Reading, Studying, Playing, Flying Kites etc. Today i wish i could have 48 Hrs just to keep my life on proper track. We don't have time for anything. We don't have time to meet our relatives & Couples don't have time to plan Baby. This problem of shortage of time ... Read More
Love Marriage Vs Arranged Marriage !!!
Love Marriage Vs Arranged Marriage is a never ending debate. From our childhood, we read about Heer Ranjha, Laila Majnu, Shirin Farhad, Romeo Juliet, Salim Anarkali & so on. They are so famous that people call them as one name i.e. Heer Ranjha not Heer & Ranjha. Have we ever wondered why these couples are so famous that every lover take a vow only in the name of these couples to marry their love. The reason is they never got married, If they would have got married then no one would have remembered them. Now you must be wondering, what is the context of 1st paragraph with Blog Topic ... Read More
Mis-Selling of Personal Loans by Banks
Mis-selling is very common in Financial Sector. I was under impression that it's is restricted only to Insurance but to my surprise its deep rooted. Mis-Selling of Personal loans is very common. Before we proceed let me add that Mis-selling is the deliberate, reckless or negligent sale of products or services in circumstances where the contract is either misrepresented, or the product/service is unsuitable for the customer's needs (Source: Wikipedia) Last Saturday, i visited one of the well known bank to deposit a cheque. Since it was Saturday therefore there was a big queue and suddenly one ... Read More
21 Must Have WordPress Plugins For WordPress Blog
Today 16% of websites available on internet are powered by WordPress platform reason being ease of use and DIY (Do it yourself) module. When i created my blog, i hired a website designer for managing my blog but then i realized its a costly proposition. I decided to move my blog on WordPress platform which is the most simplest way to run a Blog or Website. Today i don't have any dependency on 3rd party to run my blog and i run my blog on my own. Now after shifting on WordPress, my Blog was looking plain vanilla i.e. without any functionality as such. There was need to add plugins to add ... Read More
7 Reasons Why You Should Not Buy Home Loan Protection Plan (HLPP)?
Recently i received lot of queries from my readers regarding Home Loan Protection Plan (HLPP). At the time of availaing Home Loan, almost all Home Loan Lenders insist the Borrower to buy Home Loan Protection Plan & pitch it as compulsory buy for availing Home Loan. Let me clarify, it is not mandatory & compulsory to buy Home Loan Protection Plan while availing Home Loan. It is at the discretion of Borrower, whether he would like to avail HLPP cover or not. Home Loan lender cannot force Borrower to buy this cover. It is especially pushed by Home Loan lenders, whose sister concerns ... Read More
RBI Cuts SLR – Cheers for New & Tears for Existing Home Loan Customers
RBI's 1st quarter review of monetary policy on July 31, 2012 bring cheers for New Home Loan Customers and Tears for existing customers. RBI kept Key policy rates unchanged but RBI cuts SLR (Statutory Liquidity Ratio) by 1% from existing 24% to 23%. SLR is % of bank deposits to be compulsorily invested in Govt Bonds or other approved Treasury Bills. Cut in SLR implies that now banks have to keep 1% less amount in Govt Bonds / Treasury Bills thus increasing the cash in hand for lending (Increased Liquidity in the Market). As per rough estimate, it will release approx 64,000 Crore in the system ... Read More
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