A personal loan is an excellent option to meet short-term financial emergencies. Borrowers seek personal loans to take care of their immediate expenses like funding a wedding, education, business, home improvement project, debt consolidation and travel over-looking the rate of interest. Quick disbursal of the loan amount and minimal documentation makes it even more attractive. However, being unsecured, personal loans often incur a high-interest rate. A borrower may take the loan during the need of the hour, but it slowly burdens them when they have to pay hefty EMIs. A personal loan balance transfer is a suitable option to lower...

Summary: The unaccounted or undisclosed money held by Indians abroad has always been a concern for the Indian Government. To exercise better control over such information, section 94A was added in the finance act (2011) of the Income Tax Act. Read further to delve into Section 94A and its provisions. There have been various reports about Indian citizens secretly stashing their money in foreign countries to keep it off the eyes of the Indian Government, thereby avoiding tax and other complications. For the Government to keep a check on the tax evasions and the illegal flow of money, they must...

There are certain professionals whom we only meet during certain crossroads in life. Lawyers are one, doctors are another, and the third such professional is a mortgage broker.  A mortgage broker is a combination of a lawyer and a doctor in a way. Mortgage brokers can diagnose a bad financial situation by analyzing it and then giving legal suggestions.  If you consider the dangerous financial situation in which you are trapped in as an illness, then mortgage brokers are the doctors who can fix the illness and get you back to a safe zone. Mortgage brokers can assist you in...

It is vital that you know exactly what you are getting and whether there are any unpleasant surprises lurking beneath the surface before making a choice on a new home purchase. During this stage, a survey of prospective homebuyers might be extremely beneficial. Read this detailed survey guide below. A survey must be carried out by someone. Inspections are typically carried out by independent surveyors, who enter the property and examine it with a critical eye to find any potential problems that may require attention. Hire a trustworthy and qualified surveyor to make an informed decision about whether or not...

Generally, body fat is looked upon in a bad light. However, body fat serves an important purpose. Your body stores the fat from the food you want and uses it as energy, allowing you to perform your daily activities. However, when your body stores too much fat, it can lead to serious health issues like high blood pressure, diabetes, and heart diseases.    Knowing how much body fat you need is vital so that you can know your exact health status and take the necessary steps to keep the body fat under control. The ideal body fat content may differ...

Earlier the task/work of the insurance company people was a very tedious one. They had to carry a huge bag full of documents, application forms, contracts of the clients and so much more. One of the things, these people lacked was a good modern tool. Now the things have changed drastically, and the insurance companies or industry has become pretty modern. Thanks to the Assekuranz software BiPRO as it has greatly helped the insurance industry to meet the growing demands of the customers and change the face of the insurance industry and match up to the competitiveness with other companies...

Getting a loan over online mode is not a difficult task, but having proper documents is necessary for the person. Getting a loan against property online includes procedures that anyone can get if the person has the appropriate idea regarding getting the loan. Before going for the online mode, the person should ask for the offline mode. The bank officers help get the procedure and method to fill the online form. Document for getting a loan in the online mode Latest salary slips those working under any company or partnership firm.  Bank account statement for the previous three months.  The PAN card...

While it is essential to be careful while filing tax returns, it is not uncommon for people to make mistakes. Returns filed with errors are considered ‘defective returns’ by the tax department. Under Section 139(9) of the IT Act, the tax department issues the ‘Defective Return Notice’ for rectifying the mistake.  Here are some of the most important things you should know about this notice.  When is the Defective Return Notice Issued? There can be several reasons why the tax department might issue the defective return notice. Here are some of the most common reasons.  Incomplete tax returns or detail...

Nurturing a friendly and loyal relationship with the customers would be very much propitious for your business. However, to be successful in the long term then you must manage your business finances properly by avoiding any unpleasant or unethical behaviors by the client-side or the customers’ side. This might contain some basic aspects such as accounting, administrations or logistics or even asking for the overdue payment. It is a major crisis for so many businesses to handle the company’s value and the customers’ support in asking for a friendly payment reminder. Also, there are some questions, like how many reminder...