In an era of SmartPhones, where a mobile phone is considered useless without a camera phone, how can you resist to use it for sharing the dress you just tried in a mall or the hair style in a magazine that you just discovered in its latest issue without buying it?

Well, i bet that most of us would have shared the pictures with our friends or family memebers to get their view before even buying the dress or getting that hair cut. But have you ever taken the permission of the owner before taking the picture and sharing it? [More]

The other day, I started my car and found that it was NOT moving even though engine was ok and gears were in working position. I did drove it couple of days ago before the heavy rains yesterday.

Boom...I could not figure out what had happened to my car. I called up the car repair service and they gave me the estimate of of INR 7,000 for repairs.
The problem: My car's rear wheel's break shoe has broken due to water logging and rust and had jammed the wheel. [More]

Growing use of SmartPhone has posed a new type of threat to your personal information like online banking passwords, confidential files and other sensitive data. Most of us store passwords on our smartPhone for easy access to bank websites, office files for easy movement and availability. But have you ever thought of what will happen if one day you suddenly loose your smartPhone?

All your confidential data may be in the hands of a thief!! The situation is same as loosing out a credit card and should be dealt in the same way i.e. immediately blocking the access. But how would you block access to the information on your SmartPhone? [More]

We always wonder about what could be the difference between taking a loan from a public sector bank and a private bank. The young generation always prefers private banks whereas our parents would always guide us to get it from a public sector bank.

We are listing down certain important points and the terms and conditions which can make a huge difference to your decision here. [More]

I recently visisted an electronics store and enquired about the various LCD and LED tv's that were on display. The salesperson was well versed with all the featrues of the specific models but was NOT able to answer this question to my satisfaction. It was "What is difference between LCD and LED tv?
I was curious to know it because of the sizable price difference between the two. The LED TV was costing at least 15% more than the LCD TV. I asked the reason behind the difference but sales man did not knew the exact reason. He just kept re-iterating the specific features. [More]

I have grown up seeing jewellery shops and the owners sitting in air conditioned shops and wondering how do the actually earn selling gold? I always had the thinking cap on becuase my mom told me that they charge you as per the market rate of gold and i was always wondered how can they make money if they sell at the rate at which they bought to make money? [More]

You have just finalized your dream home and are now looking to get it financed with Home loan. So, the next step is that you log on to internet and search for best home loan deals. Your search leads you to various loan deal sites which have come up in last couple of years and claim to help you find the best loan deal.
I also did a quick search and tried to find out if their claims of best deals are worth spending time or just claims. Read on to find the truth. [More]

You see an advertisement in newspaper about an apartment that the developer is selling at INR 2500 per square feet. The apartment's total advertised are is 1200 square feet. You immediately calculate the cost as 1200 * 2500 = 30 lakhs.

Wow, 30 lakhs is what you were looking for and is very well in your budget. You want to call the developer and book the flat as soon as possible.

But wait, this is NOT the actual cost of the apartment. There are many other un-advertised costs which are hidden and are added over and above the advertised price. And yes, do NOT make the mistake of underestimating these costs and they normally make upto 20% of the advertised cost. [More]

This article is meant to throw light on what all charges and fees you may be required to pay in case you want to take a home loan to finance your dream home. It is always better to plan for even small expenses which may come as a surprise to you in the process from applying till you actually sign the final loan sanction papers. [More]

I just saw this picture shared on a social networking site and thought of sharing it here. This is how we try to refresh our technical mind while at work. A quick nap definitely will bring you back on track no matter if it is taken on bed or a Google's nap pod :) [More]

The full form of CTC is Cost To Company. It is a term which signifies the cost that a company would incur on you as an employee. The salary and other perquisites that your company pays you is actually cost for them and hence the term.

Your pay package defines what the company would pay you and it is normally defined in terms of yearly pay. The break up of various elements in CTC would talk about the basic salary, HRA (House rent allowance) and other such allowances.

Take home pay is what you actually receive at the end of month or salary period. The in-hand figure is calculated after deducting income tax (TDS) and other deductions as per company policies. [More]

Owing a home is a dream come true for most of us and I am no different. This is my personal story that I want to share so that other people who are also in the same boat can benefit from my experience. [More]

Have you travelled on a short term assignment abroad from your company? If yes, then you must have received some amount as living and housing allowances to take care of your daily expenses. Generally, your company pays you a lump sum amount on daily basis to meet your housing, living and travel needs overseas when you are travelling for short term period of about 1 - 3 months.
For example, you might receive $100 per day as a lump sum amount when you travel to USA.

When you travel on short term assignments, your company keeps paying you your Indian salary in India and pays the daily allowances (called per diem) abroad in the native currency i.e. USD in our example. [More]

Have you been looking around for a personal loan for some immediate requirement? If yes, then I would suggest you to go for Gold loan instead of personal loan.

Personal loan is a loan given by banks and private lenders to meet any kind of personal need like marriage, buying an electronic item or anything else.
Gold loan also has he same intention of meeting any of your expenses.
The difference between the two is that in case of personal loan, you do not have to give any kind of collateral whereas Gold loan is backed up by your Gold. [More]

Savings bank account in India is entitled to get 3.5% per annum as mandated by the government.
If we consider a simple example where the interest is compounded by yearly (paid every
6 months), then your initial Rs. 100 will become 103.53 after an year. So, you would have earned Rs. 3.53 by keeping you money in Savings bank account. [More]