If you are looking to open a second savings bank account, this article is for you. There can be multiple reasons why you may need a second savings account: – It can be to separate your savings from investments, or to maintain better budgets & expenses, to have more withdrawal options; or to take an advantage of the running offers & interest rates. No matter your reason, tread with caution. Here’s why. Most of us get our independent savings account when we get into our first job. That’s a salary account which our employer helps us get started with. Such accounts come with multiple perk ..read more

CIBIL score is a three-digit number, ranging between 300 and 900 that defines the credit history of the person seeking a loan. The CIBIL score helps the lender make a better and quicker lending decisions. If you have a CIBIL score between 300 and 549, you need to improve it to get approved for a loan as it is considered a low score, whereas a score between 550 and 700 is above average and gets loans readily. If you are seeking a personal loan, you will need a CIBIL score of 700 and above. During your loan application, the bank or the specific lender will undertake a CIBIL score check  ..read more

I got to know about the Niyo IDFC FIRST Bank Savings account some days back.  The 0% forex markup & ability to lock/unlock the card is what caught my attention.  I did more research and was so impressed with the features & benefits of the account that I opened an account with the bank right away (yes it takes less than 15 minutes to open the account online, that too through your mobile phone). This Niyo IDFC FIRST Bank Savings account review is based on my first hand experience. of using the account. Signup for Free Niyo IDFC FIRST Savings Account A. About Niyo and the concep ..read more

Rich Dad Poor Dad” is a financial self-help book that helps you set the right relationship with money and wealth. As Robert Kiyosaki (the author of this book) correctly mentions: – “Most people never study the subject money. They go to work, get their paycheck, balance their checkbooks, and that’s it. On top of that, they wonder why they have money problems.” The problems exist because these people lack the basics of financial education. Education that is not imparted in our schools. If you really want to improve your outlook towards money, pick this book and read it cover to cover. Doesn’t m ..read more

Looking for a loan to finance your education? Make sure you have all your facts correct before starting out. This blog is an informative journey about educational loans in India and the most important things that you should be aware of. Education industry is never hit by recession and with education cost increasing rapidly; loans are the best solution to finance the deficit. Before you take a decision, do a thorough analysis of all the education loan schemes offered by the banks.  Let me take you through this step by step. 1. What is an education loan? Pursuing your education is a dream t ..read more

Twitter these days has become crowded, repetitive, boring and argumentative. Follow a celebrity or a star, and you won’t benefit much, except for few bouts of free entertainment. But follow a top personal finance blogger and you can benefit immensely (most of the times financially) from their knowledge and expertise. All you need is to know where to look for. Today, I will make the choice easy for you. Below, I am highlighting 18 blogs and their Twitter profiles below. You should follow thes eblogs to learn about financial planning discipline, healthy money habits, disciplined investing, intel ..read more

If you have a goal in life, the perfect time to kickstart it is your 20s. During your 20s, you have unlimited energy. When used in productive ways, this energy can lead to success. By studying hard, you can become an academician. By doing exercise, you can become an athlete. By learning how to code, you can become a programmer. You have so many options because you have enough time to fast-track your career. Simply put, your 20s are the time when you stand at a juncture where multiple avenues are open in front of you, and it’s totally up to you to decide which direction to go. The importance of ..read more

Do you want to read more often but not able to find enough time? Do you know that you can now listen to books instead of reading them? Yes, that’s possible with Audible, an Amazon company. While Amazon is the largest seller of physical books in the world today, it is extending the same vision to audiobooks with Audible. Audible produces and sells the audio versions of thousands of popular books across multiple genres. Audible was launched in India in Nov 2018 and has been on a roll since then. They started with just a couple of titles but now have a library covering a plethora of genres and a ..read more

Coronavirus has impacted all of us in some way or the other – be it emotional, psychological or financial. On the economic front, the situation in India is becoming increasingly uncertain. Thanks to demand compression and supply disruption, we all are feeling the brunt. Worst, this is not going to go away anytime sooner. As an example, think about specific sections of our society and their financial hardships. Small and individual businesses have been hit hard due to fall in economic activity and are facing working capital issues. Medium and large businesses are slowing down and as a result, s ..read more

Are you confused which Bluehost plan to choose for your WordPress blog?  Hands down, you have landed on the right page.  I can very well relate to your thoughts as I was in the same shoes when I started this blog. Bluehost is undoubtedly one of the best hosting providers for WordPress. However, they offer a choice of 3 plans which might sound confusing to a person not familiar to Bluehost.   Bluehost Basic vs Plus vs Choice Plus : which Bluehost plan should you then select becomes a challenge. In this post, I gave written a detailed and honest overview of Bluehost and all t ..read more