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Hard and Soft Credit Inquiries: Drawing the Line

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If you are a product, your credit score is the price tag. It conveys the cost of onboarding you as a customer that banks will have to bear over your lifetime. Naturally, the lower this cost is, the better your chances are of selling yourself. But, how do banks determine your credit score? This is where the crux of our topic lies. To understand the process, let’s first look at the two types of...

Finding a place called home before you turn 30

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While buying a house in your twenties may seem like a daunting idea to some, it is not an impossible task. Getting a home loan in India is easier than ever today and tax exemptions act as cherries on the top. In fact, the Aspiration Index of 2019 reveals that ‘Buying a Home’ is the leading aspiration for both men and women in the age bracket of 22-45 years. Hence, buying a house in your 20s is...

How to organise your day better? Finding life beyond the Google calendar

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If you are reading this, chances are that your life has become an entangled web of missed deadlines and scope creeps. And while tools like Google Calendar may seem like drivers of better productivity, it is more about your management strategy than the execution that counts the most. It doesn’t matter whether you’re the self-driven kind or a person who can always do with a little push. Motivation...

Will your investments test their metal in gold?

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Gold has been in circulation since 560 B.C, both as a currency and precious metal. But when it comes to its performance as an investment tool, opinions are largely polarised. This article aims to debunk some of the major myths around the same. Let’s begin by answering a fundamental question – where does the value of Gold come from? Consider the recent investment mayhem of Bitcoin, a virtual...

Why fixed deposits may never make you rich

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Before we jump the gun, let’s get the basics sorted. There is no denying that Fixed Deposits are one of the safest investment instruments that you can get your hands on. But there is a catch (there always is). Before we dive into the heart of the matter, let’s build the case by looking at some of the long-term pitfalls of investing only in Fixed Deposits (FDs): 1. Inflation Significantly Erodes...

Stressing about shifting? Here’s how to get on top of your packing

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Moving homes is more stressful than going through a divorce for most people. Yes, in a survey conducted by E.On, six out of ten people cited moving homes as the most stressful life event, with heartbreak or divorce coming in second. Yet, shifting houses is common for millennials who’d rather move around the globe for better opportunities than stay in one place for their entire lives. ...

Apple proves that the future of credit cards is no card at all

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But will it stand the test of time? Apple’s latest innovation has taken quite an unconventional route – a credit card that turns heads. And while the brand has maintained its minimalistic design philosophy, the card goes beyond the mundane fabric of utility. Apple has skilfully struck the ‘proverbial’ chord once again and the design speaks volumes about the company’s vision – a white...

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