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Sunday, 27 November 2016

How to reduce your Credit Card burden?

Credit Cards, though it sounds a very handy instrument for taking short term bank credits for paying off or making any purchase, it is at the same time, most painful thing that drives you off track from your financial planning. Many people land up in severe long term debt when it comes to repayment on credit cards. This is where banks take complete advantage in extending these so called credits with high interest rates ranging from 36 to 48%. It is advisable to know the in and out of how a credit card functions and how you should handle it. Foremost, it is wise to avoid using any credit card for your lifetime unless it is a severe personal emergency.

Thursday, 3 October 2013

10 ways to get busy over weekends

Times have gone where you used to have only a day for the weekend and that wasn't enough. The work week is hectic, so is reduced to 5 days and the weekend to two days so you have more time to relax. Don't you have a feeling many a times, oh I could have utilized my weekend better? It might come to your thought that you should plan your weekends best possible way and most effectively the same way as you plan your weekdays at office. Taking rest is of course a priority, but there are other things in life that is essential too and weekend is the only opportunity for you to utilize it to the maximum. Most companies do not provide enough flexibility with leaves. You must see what your priorities are and what best you can do to meet them utilizing your off time. We have some tips that may help you:

Thursday, 5 September 2013

Getting copyright for your online content

In this internet age, it is highly essential that you have protection of your online content by registering for copyright. Your content can be filed for registration locally in your country of residence, while you can also file it for copyright worldwide. If the content is critical and your online business is dealing in countries internationally, it is advisable to register for international copyright. 

Sunday, 4 August 2013

How Credit Score is calculated?

What affects your credit score?
The credit score is calculated from several different pieces of credit data in your credit report. This data is grouped into five categories as outlined below. The percentages in the chart reflect how important each of the categories is in determining how your Score is calculated. Your Score considers both positive and negative information in your credit report. Late payments will lower your Score, but establishing or re-establishing a good track record of making payments on time will raise your score. 

10 great tips to a healthy sleep


In a fast paced life as of today, most people neglect sleeps which is the most necessary ingredient of life. One must have a sufficient sleep in order to have a healthy mind, body and life. The modern lifestyle has gone more monotonous where people start early with a bunch of things in hand to work. The busy lifestyle does not give them enough space to care for their health, and the minds are not very productive. In fact, most people have a machine like capability to work with their minds, unless there is a proper sleep, a person can't think better and remain efficient.

Thursday, 25 July 2013

5 effective ways to present your resume

There are many different formats of resume you may present to your prospective employer. While most employers ask for a specific format preferably word format to present your candidature, there has been a trend seen in recent past that employers are also accepting other formats as pdf, videos etc. If your prospective employer is not specific about the format in which your resume is to be presented, you may look to opt any of the below formats.

Wednesday, 5 June 2013

Session Courts in India

Session courts in India have become a need of the hour, where the common petitions are not heard, law and order in the country is at a pity stage, where the normal cases of hearing for the common man goes for years and the common man gives up rather instead of seeking justice in the court. The High courts and Supreme courts are the only courts where a common man can seek justice. Moreover, there are Consumer Courts that are not very effective in most cases. What India really needs is a session court where the common man can easily and comfortably file cases at a nominal fee, that will help them seek justice for small & big cases. The cases requiring attention of the judges at the high court need to be routed to the high court or the supreme court depending on the criticality of the case.

Saturday, 25 May 2013

Seven Government Post Office Saving Schemes

Personal Money
and Tax Saver 
The main financial services offered by the Department of Posts are the Post Office Savings Bank. It is the largest and oldest banking service institution in the country. The Department of Posts operates the Post Office Savings Scheme function on behalf of the Ministry of Finance, Government of India. Under this scheme, more than 20.50 crores savings account are operated. These accounts are operated through more than 1,54,000 post offices across the country. Today, i would like to bring forth to you the seven most useful government post office saving schemes that provides wonderful returns with small investments.

Wednesday, 22 May 2013

Planning your Retirement

Retirement Planning is the goal of every citizen to save a corpus for his old age. Many developed countries provide social security and support for senior citizens, but in many developing countries like India, an individual is dependent on insurance policies and pension plans. Savings in banks may not help as inflation is a risk and one may not know what is going to be the expenditure need to earn a livelihood in old age. Hence, it is wise to keep investing a small corpus periodically till retirement that will accumulate to a good saving for future by way of compounding.

Tuesday, 21 May 2013

Five things that happen with long term outstandings on your Credit Cards

As you may be aware, credit cards have heavy interests on the overdue payments or outstanding amount. It is always advisable to make your payments in the stipulated time as specified interest free credit period of 20-45 days as offered by the bank. In case you are not able to make payments for any reason or there is a long term expected delay due to personal uncertainties, you must rather look to settle the amount with the bank, though there is a long term impact on your CIBIL records but on a short term it is a benefit to both you and the bank. You could look to clear the remarks and ranking with CIBIL at a later stage when you have sufficient funds too pay off the remaining.

Sunday, 19 May 2013

Top 10 desirable government jobs in India

Government Jobs
Government jobs have always been the most coveted ones in India for their security and stability. With the coming of the sixth pay commission, it has got even better. The pay packets are higher than before, and there are plenty of perks and benefits to enjoy. However, getting a government job isn’t easy. There are very few vacancies and you have to get through some really tough exams in order to land a job in the government sector.

Saturday, 18 May 2013

Comparison between a Private Job and a Government Job

Well, there is a huge difference between a Government Job and a Private Job but it is difficult to say which is better while both has its pros and cons. You could bet to say which is a perfect job for you, that could be because neither one is completely perfect, in fact there is nothing to say as a ‘perfect job’. However you can base your choice on what probably suits you, your lifestyle and your future goals better. To do that it is always best to have enough information so that you can make the best possible decision. 

Sunday, 24 March 2013

Senior Citizen Healthcare Center

It is often seen that senior citizen are not given the required health support and treatment in any general hospital. It requires more personal attention and affection to treat senior citizen patients. A dedicated center to diagnose and treat senior citizen patients require a specialized team to understand trends symptoms and develop a unique operational treatment procedure for similar ailments.

Saturday, 9 March 2013

Social Responsibility

All of us live in a society where we as individual have an obligation to act to benefit the society at large. It is our responsibility to contribute to the welfare of the society. Our society consists of people from different castes and creeds, diverse cultures, varied life styles and backgrounds, we need to safeguard and protect our culture, improve life styles of people for a happy living. As a responsible citizen, it is our duty to service the community with several initiatives.  We must care for the children and senior citizens who form a major part of the society.

Self Help and Personal Finance

Many of us ponder around certain areas in life where we need help from an associate, friend, or any close one who can show them a right way. You are often engulfed into personal problems with certain things in life that you wish to come out with and look for a guiding direction. You like to work upon your problems and come out successfully working out an affordable solution with it.

Saturday, 2 March 2013

Capping on the interests charged by the banks on overdue amounts

Most indian banks charge heavily on overdue amounts with credit cards. Charges include late charges, bounce charges, finance chages, fees etc and what not. Even the customer is unaware what are the charges he is paying on his credit card account. Ofcourse, holding a credit card itself is a huge liability, while people are intructed to avoid using credit cards as it is injurious to health like smoking or like any alcohol consumption.

Friday, 1 March 2013

Review your credit score before applying for a loan

Honestly, how many people in your network really know what is a Credit Score? Why is it needed? Who maintains it? I am sure the answer you will find with only 5-10% people. Only a few really know, there are bureaus who maintain your credit records. Banks are required to report loan repayment status of all their customers to the credit bureaus. Before issuing a fresh credit card/ loan to a customer, various lending institutions refer to the reports/ information provided by credit bureaus about the customer's track record of repayment. Delay in repayment may impact your credit history maintained by the credit bureau.
 
 
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