It is pretty common these days for job hunters to get multiple job offer (CTC) letters from multiple companies. If you are one of them and looking out for a simple way to compare all the CTC letters with respect to maximum take home salary, here is a simple way of doing it with Take Home salary calculator for India. [More]

This article aims at discussing 2 easy and simple ways of adding a good amount of money to your packet each month even if you don't get a raise. I have seen that most of us are not well aware of how we can use various the components of a CTC to our advantage and hence are paying higher tax. Higher tax obviously means lower take home pay.

So, the idea is to lower the tax as much as you can and increase the money at your disposal. [More]

LTA is the short form for Leave Travel Allowance. It generally forms forms part of your CTC and can be used to claim tax rebates if you like to travel. Although it is good that salaried person is exempted from paying tax on the amount he spends on travel expenses of his family, he can only do so twice in a block of 4 years. [More]

Are you the one who loves to visit museums, then this is a great opportunity presented by
smithsonian magazine to get into one of your favorite Museum across USA. They have also listed some of the museums in Hawaai and Alaska.
[More]

We have thousands of credit cards affiliated with various companies and products which help you get special offers for those special products. For example, you may have an ICICI bank HP credit card which helps you get discounts on petrol, another HDFC card may have tie ups with airlines to give you discounts and reward points on all your travel purchases. [More]

Thousands of companies have jumped into this arena in the last couple of years and have been cashing on the lure of sendign FREE SMS (text messages). Well, as somebody has rightly said "No
lunch is FREE in this world", the statement holds true here too. [More]

It is a common belief that China is the manufacturer and US is the consumer and hence US economy is considered in danger. Buth, if we take a look at the facts collated by FEDERAL RESERVE BANK OF SAN FRANCISCO, the actual percentage is just 2.7% of overall US comsumption [More]

Credit history checks for a job in brokerage institutions and financial institutions is a normal trend in USA. Do not expect a favorable response if you have been struggling with bad ratings lately.

It has been argued that this trend makes life difficult for an already burnt person. It throws him in a vicious circle.

He cannot pay back his credit and improve his ratings unless he gets a good job.
And he cannot get a good job unless he has good credit history. [More]

If your credit card has been rejected due to varied reasons and you are desperately in need of one, you can certainly help the bank with some cash and change their mind towards your application!!

Nooooo...I am not talking about bribing the bank executives. It is a new option that banks have recently rolled out to meet your plastic money needs.

It is called 'Secured Credit Card' in financial terms :). Well, the concept is simple. You deposit some amount of cash as a fixed deposit with the bank and they will return a favor by issuing a credit card. [More]

The simplest and to-the-point answer is Yes.
Supplemental credit card details are mentioned on your own credit history (CIBIL) report and are available for any bank or lender to view the details.

Read on the basics if you are not well versed with the supplementary credit card concept. [More]

It is a common question that always hovers on a salaried professional's mind.
Given the fixed amount of salary, what all you can do to increase the net take home amount? Is it really possible at first place?

Well, there are multiple options available for you to increase your take home given the fixed CTC or gross income. [More]

Mortgage or commonly known as home loan in India are a big burden on our shoulders. They normally consume half of your life span and take away most of your hard earned income!!

The way mortages/home loan EMI's work is that you are charged the maximum interest + minimum
principal in the early days of loan. The interest portion decreases over time along with increasing prinicpal. [More]

If you are reading this article, then you are most probably a blogger or own a website and have certain questions in your mind on how to treat your income from Google ADS (Adsense) or any other AD network income with respect to income tax.

Don't worry, we have answers to your queries. The main point to keep in mind is that whatever is the mode of income, it is taxable if you are a resident Indian. [More]

Given the access to internet and good writing skills, anybody can start making handsome money in no time. If you know the concept of a blog, you can write about your area of expertise.

For people who are not aware of the blog: A blog is nothing but a website where you can write articles/other content. It can either be a free platforms like blogger.com or your own website. [More]

It is a well known fact that millions of man hours are lost every year due to people using online social network in office hours. Hence, corporates usually ban/restrict access to social networking sites at work-place to keep their employees away from wasting productive hours. But the advent of SmartPhones is fast changing the game plan! [More]