Personal Finance

CIBIL Market Place

CIBIL Introduces Market Place to Give You Personalised Credit Cards and Loan Offers Based on Credit Score

CIBIL – India’s first Credit Information Bureau made CIBIL TransUnion Score available to banks back in Nov 2007 and to individuals in April 2011. Since then, CIBIL credit score has played a major role in the bank’s decisions of lending loans and issuing credit cards to individuals. Founded in 2000, CIBIL has massively changed the …

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How to Start a Recurring Deposit Using ICICI Bank Online Savings Account

If you are not a very high-risk taker, you might be a bit afraid while investing in Share Markets or Mutual Funds. In such a case, there are some other types of investment like Fixed Deposits, Recurring Deposits and some Post Office schemes which have proved to be a much safer call although they don’t …

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Factors To Keep In Mind For Your Retirement Corpus

‘Life begins at retirement’. How true! In the old days, people spent all their working years waiting to retire at sixty, so that they could do what they always wanted to. In today’s times, thanks to the high stress lifestyle, people are looking for an ‘early retirement’ at age forty-five or fifty, tops. They want …

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Post Office Schemes like PPF & MIS to Offer Better Returns from April 1st 2012

There is a good news for millions of small investors in India as they will be able to earn more from popular post office schemes like Public Provident Fund (PPF) and Monthly Income Schemes (MIS). The government has raised interest rates on these investments by up to 0.5 per cent and this comes into effect …

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9 Tips to Remember When Choosing a Financial Advisor

Choosing a financial advisor is an important step, for most people, to creating more wealth and financial security. Whether you’re a minor investor who just wants to keep your assets safe or have several thousand dollars to invest so that you can watch them grow, a financial advisor can help you do these things. Remember, …

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Getting through the personal budget minefield, one step at a time

Most people get more mental exercise than they want when it comes to dealing with personal budget issues. The problems can range from real nuisances to quite genuinely baffling situations where they may be wondering whether they need a financial adviser or an astrologer. Some things, like home insurance, may be basically simple in themselves, …

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The ETF effect – How investors can upgrade portfolios and stay out of the rat race on markets?

Exchange Traded Funds, or ETFs, have been making big inroads into the mutual market. There’s currently estimated to be over a trillion dollars in fund management around the world, and managed funds are paying a lot of attention to their performance. ETFs are portfolios of funds, with unit prices valued on the basis of the …

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7 warning signs that you have got too much debt

The world economy has not yet fully recovered from the damage caused by the global economic depression. As a result underemployment and unemployment are still quite common. Difficult climate demands prudent lifestyle. So you must get control over your finances and look out for the danger signs which indicate that some financial crisis may be approaching. The following are some “omens” which reflects the fact that you are treading along the danger avenue: