Decide what you really need by making a list before you venture out. And keep looking at that list while you wander around, so that you’re aware of what you really need, and what you like the look of. Make sure to be armed with only a limited amount of cash and ensure that you… Read More »
One of the key aspects of creating a successful financial plan for a year is to establish a workable home budget that deals with your expenses, manages your debt and also builds your savings at the same time! A home budget can be defined as a plan that pre-determines your spending goals, spread over a… Read More »
The concept of green homes is a trend that is here to stay and is slowly but surely catching up in India. In the modern version of living, cities, towns and even villages are witnessing an increased preference towards building homes and creating an environment that contributes to the preservation of the ecosystem.
Cancelling your credit card can be a highly tricky and a time consuming affair as you can have bills from the cancelled credit card still arriving at your doorstep. Although you might have cancelled the credit card from your side by simply chopping it into two, the decision to cancel the credit card may not… Read More »
The Akshaya Tritiya is supposed to be one of the most auspicious days to buy gold. According to Indian belief, this day is blessed by the goddess of wealth and investment on this day would grow throughout the year. The jewelers and gold traders wait for this occasion to push up the sales.
Gold is one of the most influential financial instruments in the India. Banks, NBFCs and unorganized lenders are actively engaged in providing loans against gold value. The loan against value of gold has played a great role by providing liquidity for an idle asset kept in the lockers.
If you and your spouse earn similar incomes, then its best to opt for an equal co-ownership of the property and split the tax benefits of the home loan equally as well. In case one of you fall under a smaller tax bracket, it is good to let the partner with the higher pay make… Read More »
As the features offered by each credit card varies, it is essential for you to understand which features will benefit you a lot. If you are shopping regularly at a particular store, go for a credit card that offers your reward points or cash back or discount when you shop at that store. Don’t select… Read More »
Moving into one’s own home is a joy, which is to be felt not explained. It is utopia what with the poojas, house warming functions, searching for just the right furniture and fittings, praises you get for having taken care of the finer parts in construction and decorating the house and the pride in having… Read More »
To understand how a home loan works one needs to understand what a rest means. A rest is the interval at which the remainder of the loan amount is recalculated as you repay the loan. This is relevant only in the case of a reducing balance loan as opposed to a flat rate interest loan.… Read More »