Latest Post

Wherever you plan save money during festive season look for various offers, discounts which attracts you around and when buying with credit cards avoid to withdraw cash from credit card.

Start using credit card today, after learning this art

  • Do not withdraw cash from credit card under no circumstances
  • Credit card bill Paying the minimum due amount be careful
  • In case of delay paying credit card bill when making purchases during the festival season
  • Fix the limit for festival Shopping If possible when purchasing with a credit card
  • Using a credit card is an art. The benefits are many if we use it carefully
  • Look at the monthly statement keep the bill with you for every item purchased
  • Use the right card when buying or shopping on any credit card
Using credit card is good or bad

Maximum shoppers announce discounts, offers and there are many attempts being made to impress customers during festivals. 

Credit cards need to be used very carefully at this time otherwise you will get stuck in a debt trap unnecessarily. 

If the bills are not paid on time you will be stuck in a debt trap. Let's find out what to do to avoid such a situation.

Do not withdraw cash from credit card

Under no circumstances should a credit card be used for cash purposes during the festive season. If you take cash with cards you will have to pay high interest on it. Plus, you'll be getting rid of clutter you don't need. Interest starts from the moment you withdraw the money. In addition to interest, other fees have to be paid. So, do not use the card for money as much as possible.

Credit card bill Paying the minimum due amount

The credit card bill has the option of paying the minimum amount. It should be noted here that this is the only option for you when there is no chance for payment of bill when it is large amount. But, the benefits of paying the entire balance are not available here. 

As your card usage ratio increases, so does your credit score plays key role for further aspects. While paying the minimum amount, you have to pay interest on the remaining balance. Therefore, in cases where the entire bill cannot be paid, it is advisable to pay more than the minimum balance. This will reduce the interest on the bill.

In case of delay paying credit card bill 

When making purchases during the festival season, just ask these three question, Whether it is compulsory to buy, does it required now, what about the bill payment, any source do you have to pay the bill, are you attempting risk ignoring the upcoming financial problems to arrange for timely payment of bills. 

If paid after maturity. late fee is applicable. Not only that, it is also mentioned in your credit report. This can make it difficult for you to get any loans in the future. Hence, it is best to pay the bill ahead of time.

Fix the limit for festival Shopping If possible

When purchasing with a credit card, see if the item is available for your price. If the purchase is beyond your budget, you may have trouble paying the bill. It is better to be vigilant in this regard in advance.

Use the right credit card while shopping or buying 

When buying or shopping on any credit card it is important to choose which card to be used if you've multiple credit cards. 

Check your cards first, see which bank card comes with the most discounts and the highest rewards then buy with that card. On the other hand when choosing cards one should take the ones with low interest rate and no annual fees. 

Do you still not have a credit card? Taking a new card? However, find out in advance which bank card you are willing to give. Only apply after that. Even if you apply if the card is not given, the matter will be in your credit report. When applying for a new card again there may be problems with the existing rejection.
 

Multiple having credit card is good or bad

If you financial payment is good and the given limit in the credit is low on your existing credit card better to go for other banks which gives you maximum credit limit and it is better to surrender that bank card which is not useful or rarely time use.


When it comes to holding or multiple having credit card is good or bad. Financial experts says, it is bad to hold multiple credit cards.


Maximum banks charge annual fees if you use it or not and most of the banks based on your credit score and annual income freeze the credit limit on you proposed card.

Look at the monthly statement

Keep the bill with you for every item purchased. Compare this with your card statement. Any discrepancies noticed in the credit card bill then it is better to get to the attention of the bank or call credit card customer care number. Take some time to check the details. But, there is no need to pay a high amount by mistake.

Using a credit card is an art 

The benefits are many if we use it carefully. Not so risky if neglected. Always remember this.

SIP in Stocks means Systematic Investment Plan in stocks instead of Mutual funds for higher returns with less risk, those who want to hold quality stocks for a long time. 


SIP in Stocks Today Highlights

  • Financial experts suggest that this is a good fit for employers
  • 'Sip in stock’ is the periodic purchase of a certain amount or certain stocks
  • Especially for Monthly salaried earners like this for less risk!


SIP stocks for high returns

The number of retail investors in the stock markets has increased recently. Currently Young generation are more enthusiastic and they are the first to take all type risks because of social media awareness and entering markets with long-term strategies over. 

However, professional investors are making a profit by constantly assessing the market and investing the appropriate amount. But, retail investors will not have that opportunity. They cannot devote much time to the market. 

There will not be enough money to make high profits over. The 'Sip on Stocks' method is available only for such people.

What does ‘sip in stocks’ means?

Mutual funds generally see a system called ‘Systematic Investment Plan-SIP’. But, you can also follow this strategy to invest in stocks. ‘Sip on stock’ is the periodic purchase of a certain amount or certain stocks. 

This is a wonderful opportunity for those who want to invest in the long run. It is also suitable for those who do not have the opportunity to predict the market from time to time.


How to start SIP investment today to get Crore with 9K per month

How Systematic Investment plan in stocks works?

This process involves investing for a specified period of time. Just like buying some units in mutual funds. Here we buy some stocks with the amount of hierarchical investment we make. Brokerage firms buy shares on our behalf. 

While some companies are choosing the same stocks, others are giving opportunity to investors. It is also possible to buy shares of several companies at once, rather than shares of the same company. The amount to be sip on individual stocks depending on the brokerage starts from Rs.100. 

You can stop the systematic investment plan in stocks anytime you want Or can be extended. However, brokerage firms charge a fee for each trade.

What are the benefits with sip on stocks

There is no doubt that investing on sip in stocks Risk is low for longer time without any loss.
The SIP on Stocks policy adopts a method called 'Rupee Cost Average'. 

That means you periodically invest a certain amount. Only buy how many shares you get at that time with that amount. That is, more shares are bought if the stock price is lower, and fewer shares if the price is higher. 

Having a limit on investment can greatly reduce risk. May stay away from market fluctuations over. This is very useful for those who want to hold quality stocks for a long time. Financial experts suggest that this is a good fit, especially for wage earners.

Financial discipline for high returns is more for investor

Financial discipline is usually practiced by mutual funds. The money will go into our plan from our account on a fixed date each month. 

Investing regularly on a monthly basis like this will give you good returns in the long run. Investing in equities in the same way over and over is likely to yield higher returns compared to the rest!

Long term investment sip stocks for high returns

It is suitable for those who want to earn good returns in the long run. Even without a big understanding of the market, our investment through the compounding effect will pay off.

SIP on Sotcks word to whom does it fit?

Compared to the sip of mutual funds, the risk is higher in ‘sip on stocks’. So even if you do not have a deep understanding of the stock market, it is important to know the basics. Understanding the daily market ‌ things. 

It is better to be able to quickly decide when to get out of stocks! Complete reliance on brokerages can be risky. 

Although not a professional investor, it is a must have, for any Affiliate, promoting any program. This method returns well even when the markets are highly volatile.

Not only choosing best wifi Internet also Wifi network security key points to keep your private search history and password safe.

One of the easiest ways to secure your Wi-Fi network is to turn off the Wi-Fi network when it's not in use. If it's always on, you're creating an opportunity for malicious attacks.

Wifi network security key points

  • It is important that you use a strong password for your network and change it promptly.
  • Virtual private networks (VPNs) are designed to protect your online activity and keep your private search history safe.
  • Keeping your Wi-Fi network secure means turning off Wi-Fi when it's not in use.

As the internet is commonly used for all purposes in modern life. Regardless of the degree of protection we put in place to keep hackers at bay, Internet-connected devices are susceptible to malicious attacks.

Wifi network connection

The reason why devices are connected to Wi-Fi networks are vulnerable to attack despite having a secure network.

How to secure your Wi-Fi network

If you want to secure your network, take a look at the simple steps to secure your WiFi network connection.

Strong encryption wireless network: Make sure your wireless access point is up to date and is not using the outdated Wired Equivalent Privacy (WEP) security system. 

It has been shown to be dangerous and susceptible to attack. Instead, you should opt for a new Wi-Fi Protected Access (WPA) such as WPA2 or WPA3. 

It is also important to use a strong password for wifi router to keep network safe with strong password for the secure network and change it in a timely manner, especially if it is a business or an office. Make sure the WPS feature offered by the router is disabled.


Separate Guest Wifi Network: If you have guests who will use your wifi network setup, you should connect them to a separate network and not your family's internal network. This way, you can prevent unintentional malicious infections on the network. Securing Wifi network for home is more important to prevent unauthorized access and virus intruders on your home wifi network.

You can do this by creating a separate network with your wireless access point. Make sure you enable WPA security for the guest network you created to keep control over who uses it.

Hide Wireless Network Name: Networks usually broadcast the name to make it easier to find and connect. 

You can choose to hide wifi network name, but this is not a safe step when it comes to securing your network. 

Hackers can use scanning tools that will detect hidden network SSID password and hidden wifi networks. The step will give an extra layer of security to your Wi-Fi connection.

Protect yourself with a VPN: Virtual private networks (VPNs) are designed to protect your online activity and keep your private search history safe. 

These networks protect data from prying eyes using encryption. Hackers can break into your network, but they won't be able to cause system damage by using the VPN permanently.

Switch off Wifi on Router: One of the easiest ways to secure your wifi network connection is to turn off Wifi on router when it's not in use. If it's always on, you're creating an opportunity for malicious attacks.


Do not Install any Software: Now the trend is changing, hackers are using different types of advance technology sending links via text messages or through social media. 

Hackers searching for a prey online with sending attractive messages like Cashback, Gifts, Lucky draw, Call center calls, text messages to click. The same way hackers sending message like 'How to speed up wifi network for your home internet connection'. - Win 'Free wifi network booster' etc.


How to check a property before buying, Property is everyone's dream. Many are making efforts to fulfill this dream as housing interest rates become available. Borrowing to buy a home is now easy. 

There are a lot of things to consider before making this important decision. Even if you make a small mistake there is a risk of damaging all your other financial goals. That is why those who want to buy property should know the answer to some questions beforehand. Only then should the step forward.

  • Manage your credit score carefully before you take Housing Loan, calculate in advance how much of money you can afford
  • Use home loan eligibility calculator available online
  • Determining the loan amount depends on how much EMI you can afford
  • Taking out a life insurance policy to that extent when taking out a home
  • Check once Your monthly or Annual income and other financial conditions
  • Freedom should not be eroded by housing 
  • Property documents check before buying property
how to check a property before buying

What is Home loan: Long-term liability. Interest rates rise and fall many times during this period. So, there are some precautions to be taken while taking a home loan. Only then, the debt burden will be reduced and using certain home loan eligibility calculator or home loan tools for other goals will be easier. What is the loan amount? How long should I choose? Are there difficulties in paying the installments? Home loan Interest rates fixed or floating? There are many things to consider. In addition to these.

Ask these questions before you take housing loan?

  • Why to buy a house? 
  • Is it a good idea to buy a new house 
  • How to decide to buy a new house
  • Do you live in it? or else targeting future investing money on property? 
  • If on your own to live in it, How should the house be for your family needs? 
  • How much area is required and What are the facilities you required?
  • Facilities around you, opportunities for development.

All of these should be looked at. When you look at it from an investment point of view, you can see the extent to which the return on your investment can be, what the growth will be like, rental income. Once all these factors are analyzed, you make the decision. At the same time, tax benefits must be assessed.

How much can you spend for a house before calculating? what amenities Available?

In a well-known area, many people want to buy a house with all the amenities. But, our economic power may not be enough for that. How much can you spend for a house before calculating, the rest of the things to think about. 

Do not forget that expectations are very different from facts. With the idea that the income will increase in the future. Now attempting for experiment or trying to take some more debt, this is not correct. It has not become a burden to you since you bought the house. Do not change the decision to take the house for the amount you thought. Don't borrow unnecessarily large sums and get into trouble in the future.

Calculate in advance how much of this money you can afford? Cash in hand

When we want to buy a house we have to pay a certain amount out of hand. This is called Margin Money in loan. Banks usually lend up to 75-90% of the value of the home. The rest we have to provide. 

In addition, costs such as registration and interior decoration such as false ceiling, Modular kitchen, Furniture for master bedroom/children room/hall, bathroom accessories ideas, extra amenities. Margin money is determined based on the borrower's age, credit score, loan amount, percentage of the loan, and so on. 

Calculate in advance how much of this money you can afford. Don't spend all the money on hand to influence your other financial goals.

Considered a good score between 750-800? Check your Credit score

Most banks currently set mortgage interest rates based on the borrower's credit score. Those with a low credit score are charged the maximum interest. So, if you do not want to have a high interest rate .. Manage your credit‌ score carefully. Considered a good score between 750-800. Not just when applying for a loan.

How much of Monthly installments you can afford to pay?

As previously thought, housing is a long term responsibility: 

  • How many other debts do you already have when applying for this loan. 
  • What is the amount of installments you are paying for them? 
  • Will I have to take out any other loans in the future? 

There are certain home loan emi calculator on simple interest are available, take care. Existing loans reduce your repayment of loan power. It may be necessary to take things like education loan for child i.e for the children’s education in the future. 

The burden of EMIs on you is high when adding a new loan. Depending on your expenses and other obligations, rather than how much the mortgage will cost, it is best to decide the loan amount based on how much EMI you can afford. After that, choose banks with low house loan interest rates today, processing‌ fees.

Do you get regular income for as long as the loan lasts? What is your income?

Before applying for a home equity loan, you need to ask yourself how much you are financially prepared. Do you get regular income for as long as the loan lasts? Making sure. One should try to establish more than one source of income. 

Your income: When the loan is likely to be low based on other factors, Co-applicant home loan will take the requirement. Spouse may be co-applicant. Debt eligibility increases when applying for a joint loan. Women also get some discount on interest rates.

Home loan protection policies can be selected for this? Is Insurance is mandatory

Insurance for home loan protection: Insurance provides financial security for the family. Don’t forget to take out a life insurance policy to that extent when taking out a home. In case of any unforeseen circumstances, arrangements should be made to repay the loan with that insurance policy. Term policy or Home loan protection plan or policies (Check for premium calculators) can be selected for this.

For other purposes! Homesickness should not erode your financial freedom

Buying a home is important. But, it is not appropriate to neglect other financial objectives for this. Needs retirement planning, children's higher education, and their marriage needs. 

Homesickness should not erode your financial freedom. If such a situation seems to be coming, buying home is an investment or buying own house should think about the matter again. Or reduce the budget.

There are no problems with your other goals. It is a good idea to take up housing when you think you can adjust your income that way.

If you want to enjoy faster internet speed connection , you need to switch internet service providers (ISPs) and opt for an FTTH broadband plans. Before you switch, you need to know what FTTH internet meaning and what difference it makes.

FTTH Broadband connection Today Highlights

  • Fiber optic systems are more efficient than traditional broadband options.
  • FTTH broadband connection is the number one choice worldwide, promising internet speeds of 100 Mbps.
  • Cover greater distances without slowing down, unlike other broadband options.

Since the Internet is an integral part of our life, we cannot compromise its use. If you are passionate about social media and love to browse the internet or binge watch in your spare time, then you must enjoy uninterrupted connectivity. 

FTTH broadband Internet connection

If you want to enjoy faster internet speeds, you need to switch internet service providers (ftth broadband providers) and opt for an FTTH broadband internet plans. Before you switch, you need to know what ftth broadband meaning and what difference it makes also how Broadband Internet connection problems can be solved.

What is FTTH broadband meaning?

The fiber to home or FTTH broadband connection is facilitated by a fiber optic cable connection from a central access point to the residence, apartment or building requesting the service. Provides a hassle-free high-speed Internet connection. Finding Broadband Internet solutions one of the art should learn after taking high speed broadband connection.

Fiber optic systems are more efficient than traditional broadband options despite being available at almost the same price. The fiber broadband connection at home increases the speed of the Internet exponentially. FTTH broadband is already the number one option worldwide, promising internet speeds of 100 Mbps, which is much better than other options.

How does FTTH broadband work?

Speaking of functionality, FTTH broadband connects directly to the user's residence via optical fiber. Optical fiber transmits information from multiple servers, ensuring greater connectivity and a better user experience. 

FTTH broadband internet is uniquely structured and offers higher performance. Its structure includes fiber optic cables running from a central office via FDH or a fiber interruption hub via an access point. Finally, it ends up going to the user's residence via a terminal that acts as a junction box.

The benefits of home fiber broadband connection are many. First of all, it is highly preferred as it offers much faster upload and download speeds than twisted-pair conductors, coaxial cable or DSL broadband options to know DSL broadband advantages and disadvantages

Next, it is the next generation broadband connection and it is highly reliable and affordable at the same time. FTTH broadband ensures the maximum performance required for streaming HD online video games to apps like Roku. Finally, FTTH promotes various upgrades without upgrading the fiber itself and covers longer distances without slowing down, unlike other prevailing broadband technologies.

Understanding Digital Subscriber Line Technology or DSL technology in computer networks is a line of transferring digital data over an existing telephone network. Similar to dial-up connections, DSL operates over telephone lines to provide data rates of up to 25 Mbps.

  • In particular, there are two types of DSL connection: asymmetrical or ADSL and symmetrical or SDSL.
  • Digital Subscriber Line, or DSL, is a technology for transferring digital data over an existing telephone network.
  • Speaking of benefits, DSL connections are cheap compared to the other options available

As the internet is being used at home for binge watching and other uses recently, it is very important to choose the right internet service provider for a reliable connection. 

DSL broadband connection

When it comes to ISPs, they will advertise that they provide fast speeds, but that's something you shouldn't fall in love with and attract to them offering freebies or free dsl broadband modem or dsl broadband router for new connection line. There are a lot of offers and you should explore your ISP options depending on where you live.

One thing there is no doubt that in the data tariff market lots of internet services available and offered by telecom service providers (TSP) offering high-speed internet services. 

Broadband is a broad term that covers all kinds of Internet connections. Broadband Internet is provided using advanced technologies including cable, DSL, satellite and fiber optics. In addition, a double option is available. You can choose one of these options based on where you live, preferences, needs and price.

 
There are many alternatives are available with broadband service providers, if you look at the DSL broadband advantages and disadvantages then you can come to a decision whether to take or not, few of them are listed below.

What is DSL broadband connection?

Digital Subscriber Line or DSL, is a technology used to transfer digital data over an existing telephone network. Similar to dial-up connections, DSL operates over telephone lines to provide data rates of up to 25 Mbps. 

Over the next few years, the speed is expected to increase to 100 Mbps, which will be a revolution in the world of the Internet.

In particular, there are two types of DSL connection: Asymmetrical or ADSL and Symmetrical or SDSL. Of these, ADSL is cheaper and more preferred due to its faster download speed than upload speed. 

On the other hand, SDSL offers equal download and upload speeds which is preferred by professionals who need to regularly backup large volumes to cloud and VPN users.

Advantages and disadvantages of DSL broadband

Speaking of benefits, DSL connections are cheap compared to the other options available. In addition, this connection offers a constant and stable Internet speed, which makes the work easy and without delays. 

Similarly if advantages benefited to user on other hand few disadvantages are there are where user have to face. The quality and speed of DSL broadband connections depend on the distance. While it is much higher than that offered by dial-up connections, it may not be enough for most users who prefer other options.

Author Name

Contact Form

Name

Email *

Message *