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8 Agents Tricks To Make You Pay
When it comes to selling an insurance policy, agents try all means to sell you one. And the worse part of these tricks is that even educated and well-informed people like us fall into their trap. Here is a list of 8 such commonly used tricks, which should ring a bell in your mind after reading this...[Read]
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ICICI Preferred Gold Credit Card is designed to offer shopping benefits. The card primarily meant for shoppers offers nothing exclusive to its cardholders and has features similar to other shopping inclined cards. The card has a very lame Reward Points program offering its users 1 point for every Rs.200 spent. The card also offers i-mint...[Read]
There is some good news for all of us. Most world economies are on the path of recovery and the dreary recession is behind us.
Though recession threatened our job, our lifestyle and our existence at one point in time, it nonetheless taught us some basic, yet important, money management lessons. We learnt to stretch our money...[Read]
Rupeetalk helps you understand personal finance better so that you can make the right financial decision for yourself. There are many jargons and terms which are difficult for a common man to understand and taking benefit of this, agents and sales persons dupe them. "Finance basics" enables you with guides, tips, glossaries, FAQs and 5 point guides so that you make the right choice.
Home Loan Guide
Many property deals in India comprise an unaccounted-for money component. No bank will agree to finance this component. If you are planning to purchase a resale property, bear in mind that you will not get a loan for a term which exceeds the expected remaining life of the structure....
Home Loan Tips
Another solution to this problem would be pledging your liquid financial assets such as bonds, shares, securities, fixed deposits, insurance policies with existing high surrender values, etc. in lieu of the 10% to 20% margin money...
Personal Loan Guide
Processing fees: These are the administrative expenses incurred by a bank in processing a loan application. They range from around 0.5% to 2% of the loan amount subject to a fixed minimum and are usually recovered from the borrower...
Personal Loan Tips
One of the basic points that have to be always followed when using a Personal loan is that the amount should be used only when the other low-cost borrowing options are not available....
Credit Card Guide
The easiest way to understand a credit card is to think of it as a 'short-term, unsecured loan'. In common terms, a credit card is also referred to as a piece of plastic. Credit cards allow the users to make expense...
Credit Card Tips
How can you differ one credit card from another? There are a lot of different classifications used by banks, but broadly credit cards fall under silver, gold and platinum categories....
Loan Against Property Guide
Just like several other borrowings there are several charges and expenses that will have to be paid at the time of taking the loan against property. Comparison on this front is a vital process in making the selection between different loans ...
Loan Against Property Tips
There are several benefits of taking a loan against the property rather than other types of loans. This does not mean that a loan against property is the best type of loan that is present in the market under all circumstances because different...
Fixed Deposit Guide
Fixed deposits are offered by banks as well as other institutions, and these entities determine the interest rate on their deposits. There are specific conditions related to the particular bank or institution that will impact the exact rates....
Fixed Deposit Tips
There is a specific process that has to be followed in making a fixed deposit with a bank. This can be broken into several steps are...
Mutual Fund Guide
Mutual Fund schemes are of two types. They can be classified into open-ended scheme or close-ended scheme depending on its maturity period. Both have different features.....
Mutual Fund Tips
Some of the investors have the tendency to prefer a scheme that is available at lower NAV compared to the one available at higher NAV. Sometimes, they prefer a new scheme which is issuing units at Rs. 10 whereas the existing schemes...
Business Loan Guide
Term loans are one of the most common routes used by entities to raise funds. These funds are then used for the business in various ways......
Business Loan Tips
The normal charge associated with an overdraft is the interest cost that arises due to the usage of the credit facility. But apart from this charge, there are other costs that a borrower may need to take care of.....
How can you calculate the tax that need to be paid by you? What is the precise mathematics of tax calculations? Given below are sample computations for three salary levels...
Let us see how proper tax planning can actually save you money. Ram and Shyam were two salaried employees, both with an annual compensation package of around Rs 7.5 lakh. Ram received the complete compensation in the following manner...
Holders of unit-linked policies (ULIPs) might have to see tough days ahead. If the much-hyped row between IRDA and SEBI was not enough, the revised direct tax code could hit the investors hard which is to be out in a month or two... [Read]
Most people have their first contact with an insurance company through an insurance sales agent. These agents help individuals, families, and businesses select insurance policies that provide the best protection for their lives, health, and property... [Read]