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	<title>Rupeetalk-Personal Finance Blog &#187; Arnav</title>
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	<link>http://www.rupeetalk.com/blog</link>
	<description>Personal Finance blog</description>
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			<item>
		<title>How to avoid high annual fee by converting your credit card to life time free credit card</title>
		<link>http://www.rupeetalk.com/blog/how-to-avoid-high-annual-fee-by-converting-your-credit-card-to-life-time-free-credit-card/</link>
		<comments>http://www.rupeetalk.com/blog/how-to-avoid-high-annual-fee-by-converting-your-credit-card-to-life-time-free-credit-card/#comments</comments>
		<pubDate>Mon, 12 Apr 2010 12:59:24 +0000</pubDate>
		<dc:creator>Arnav</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=986</guid>
		<description><![CDATA[
			
				
			
		
Getting a credit card is not all; one also needs to be well versed with its working so as not to get hit financially. Among all, dealings with the fees and charges present on the card require more attention. Every cardholder wants to ensure that he/she pays minimum amount when it comes to the fees [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How home loan interest rates change in India and how they impact you</title>
		<link>http://www.rupeetalk.com/blog/home-loan-interest-rates-change-india-impact/</link>
		<comments>http://www.rupeetalk.com/blog/home-loan-interest-rates-change-india-impact/#comments</comments>
		<pubDate>Sat, 10 Apr 2010 09:44:46 +0000</pubDate>
		<dc:creator>Arnav</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=953</guid>
		<description><![CDATA[
			
				
			
		



Continuous changes are taking place in the financial world. But in several of the situations there is not adequate understanding about the manner in which the changes will actually affect an individual&#8217;s finances. This is why it becomes important for an individual to read the fine print to understand the exact implications of the changes. [...]]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/home-loan-interest-rates-change-india-impact/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How to return a credit card that was never applied for</title>
		<link>http://www.rupeetalk.com/blog/return-credit-card-applied/</link>
		<comments>http://www.rupeetalk.com/blog/return-credit-card-applied/#comments</comments>
		<pubDate>Tue, 12 May 2009 10:07:14 +0000</pubDate>
		<dc:creator>Arnav</dc:creator>
				<category><![CDATA[Credit Card]]></category>
		<category><![CDATA[credit card cancellation]]></category>
		<category><![CDATA[credit card interest rate]]></category>
		<category><![CDATA[credit card limit]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=354</guid>
		<description><![CDATA[
			
				
			
		
There are times when a sudden development leaves you in a state of shock, and also without many options. Under such situations it is essential that you know the precise steps required in safeguarding your position; one such situation is when a credit card is issued to you when you have not applied for it. [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How good is a fixed cum floating interest rate loan</title>
		<link>http://www.rupeetalk.com/blog/how-good-is-a-fixed-cum-floating-interest-rate-loan/</link>
		<comments>http://www.rupeetalk.com/blog/how-good-is-a-fixed-cum-floating-interest-rate-loan/#comments</comments>
		<pubDate>Tue, 05 May 2009 06:23:31 +0000</pubDate>
		<dc:creator>Arnav</dc:creator>
				<category><![CDATA[Loan]]></category>
		<category><![CDATA[Popular]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[Fixed cum Floating Home loan]]></category>
		<category><![CDATA[Fixed rate Home Loan]]></category>
		<category><![CDATA[Floating rate home loan]]></category>
		<category><![CDATA[home loan interest rates]]></category>
		<category><![CDATA[Interest rate]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=338</guid>
		<description><![CDATA[
			
				
			
		
Borrowers always find it difficult to choose between a fixed rate loan and floating rate loan, and in recent years, they have to consider one more option &#8212; fixed floating rate loan.

In this loan type, the interest rate is fixed for an initial period, which later gets converted to a floating one.
Let’s check out how [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to get a higher limit on your credit card</title>
		<link>http://www.rupeetalk.com/blog/higher-limit-credit-card/</link>
		<comments>http://www.rupeetalk.com/blog/higher-limit-credit-card/#comments</comments>
		<pubDate>Mon, 27 Apr 2009 12:30:44 +0000</pubDate>
		<dc:creator>Arnav</dc:creator>
				<category><![CDATA[Credit Card]]></category>
		<category><![CDATA[credit card bills]]></category>
		<category><![CDATA[credit card documents]]></category>
		<category><![CDATA[credit card interest rate]]></category>
		<category><![CDATA[credit card limit]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=330</guid>
		<description><![CDATA[
			
				
			
		
There is a specified credit limit available on a credit card for a person. This limit is the amount till which a bank will allow an individual to spend on his/her card. The cardholder will have to ensure that the total amount of use on the card does not exceed this figure. There are also [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How to analyse the impact of home loan rate change</title>
		<link>http://www.rupeetalk.com/blog/analyse-impact-home-loan-rate-change/</link>
		<comments>http://www.rupeetalk.com/blog/analyse-impact-home-loan-rate-change/#comments</comments>
		<pubDate>Tue, 14 Apr 2009 05:28:50 +0000</pubDate>
		<dc:creator>Arnav</dc:creator>
				<category><![CDATA[Loan]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[HDFC Bank]]></category>
		<category><![CDATA[home loan interest rates]]></category>
		<category><![CDATA[home loan rate change]]></category>
		<category><![CDATA[home loan rates]]></category>
		<category><![CDATA[ICICI Bank]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[SBI]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=251</guid>
		<description><![CDATA[
			
				
			
		
Continuous changes are taking place in the financial world. But in several of the situations there is not adequate understanding about the manner in which the changes will actually affect an individual’s finances. This is why it becomes important for an individual to read the fine print to understand the exact implications of the changes. [...]]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/analyse-impact-home-loan-rate-change/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How is Advance Tax different from Self-assessment Tax?</title>
		<link>http://www.rupeetalk.com/blog/advance-tax-or-self-assessment-tax/</link>
		<comments>http://www.rupeetalk.com/blog/advance-tax-or-self-assessment-tax/#comments</comments>
		<pubDate>Mon, 06 Apr 2009 09:08:42 +0000</pubDate>
		<dc:creator>Arnav</dc:creator>
				<category><![CDATA[Income Tax]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[advance tax]]></category>
		<category><![CDATA[Income Tax Liabilty]]></category>
		<category><![CDATA[self assessment tax]]></category>
		<category><![CDATA[TDS]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=235</guid>
		<description><![CDATA[
			
				
			
		
Paying income tax is tedious enough. To top it, there are various heads under which the tax payment is made. Two of these heads are:
1. Advance tax
2. Self-assessment tax (tax you have to pay while filing your returns)
Let&#8217;s look at an example:
Ankit is a professional. He earns income through his sole proprietorship business. The income [...]]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/advance-tax-or-self-assessment-tax/feed/</wfw:commentRss>
		<slash:comments>16</slash:comments>
		</item>
		<item>
		<title>How to take a decision to switch home loan</title>
		<link>http://www.rupeetalk.com/blog/decision-switch-home-loan/</link>
		<comments>http://www.rupeetalk.com/blog/decision-switch-home-loan/#comments</comments>
		<pubDate>Wed, 01 Apr 2009 10:07:57 +0000</pubDate>
		<dc:creator>Arnav</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Popular]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[HDFC Bank]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[ICICI Bank]]></category>
		<category><![CDATA[prepayment penalty]]></category>
		<category><![CDATA[SBI]]></category>
		<category><![CDATA[switching home loans]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=222</guid>
		<description><![CDATA[
			
				
			
		
Home loan space has become increasingly competitive lately. What with SBI and ICICI Bank decreasing their home loan rates; and HDFC and ICICI Bank increasing the prepayment penalty from 2 to 3 per cent and 2.25 per cent respectively.

What does this mean to you?
Let&#8217;s understand the impact of prepayment penalty through an illustration. Vinay has [...]]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/decision-switch-home-loan/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How to select a co-branded credit card</title>
		<link>http://www.rupeetalk.com/blog/select-cobranded-credit-card/</link>
		<comments>http://www.rupeetalk.com/blog/select-cobranded-credit-card/#comments</comments>
		<pubDate>Wed, 25 Mar 2009 05:23:04 +0000</pubDate>
		<dc:creator>Arnav</dc:creator>
				<category><![CDATA[Credit Card]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Co-branded Credit Card]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=176</guid>
		<description><![CDATA[
			
				
			
		
There are a lot of credit cards available for individuals in the market. With each passing day, there are additional choices being made available for them, and this often seems to cause confusion among people. Among the various categories of credit cards are co-branded cards whereby two institutions get together and launch a credit card [...]]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/select-cobranded-credit-card/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Avoiding high prepayment penalties</title>
		<link>http://www.rupeetalk.com/blog/avoiding-high-prepayment-penalties/</link>
		<comments>http://www.rupeetalk.com/blog/avoiding-high-prepayment-penalties/#comments</comments>
		<pubDate>Thu, 19 Mar 2009 12:23:16 +0000</pubDate>
		<dc:creator>Arnav</dc:creator>
				<category><![CDATA[Loan]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[bank rates]]></category>
		<category><![CDATA[HDFC Bank]]></category>
		<category><![CDATA[ICICI Bank]]></category>
		<category><![CDATA[prepayment penalty]]></category>
		<category><![CDATA[SBI]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=130</guid>
		<description><![CDATA[
			
				
			
		
There is increasing competition being witnessed in the home loan space, which has led to a lot of choice as well as offers for borrowers. The impact is also witnessed in terms of an interest rate war from several players with two of India’s biggest lenders SBI and ICICI Bank cutting their home loan rates [...]]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/avoiding-high-prepayment-penalties/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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