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Finance

Why Calculating Your Eligibility Plays a Vital Role Before Applying For a Home Loan? Know Here!

Most homebuyers in India have to rely on home loans in order to purchase houses. This is because real estate is quite expensive, and simply relying on savings is not possible. But there is nothing to worry about; there are a lot of home loan plans that a borrower can go through and pick one that suits them. However, before applying for a home loan, a borrower first needs to learn about the home loan eligibility criteria set by lenders. When financial institutions are evaluating a loan application, they take into account several factors based on which they take the final decision of either approving or rejecting it. These factors include the applicant’s age, income, employment history, credit score, location and type of the property that is being pledged as collateral, and so on. If you ar

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Finance

Getting a Home Loan? 5 Mistakes Applicants Must Avoid in 2022

Excited to buy a new home with the help of a house loan? Then make sure to avoid these 5 mistakes when applying for the loan to successfully finance your property purchase. Mistake 1: Not Reviewing Your Credit Report and Score When you apply for a house loan, the lender checks your credit report and score to determine your creditworthiness. Before that, consider checking them yourself and improving them if needed. If your credit report has any errors, request the credit bureau to rectify them. Then go for a home loan with a clean report for a quick approval. Also, see if your credit score is between 700 and 900. This will boost the chances of your loan approval since the lender will assume that you have a good repayment capacity. Plus you can get the best home loan interest rates in

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Finance

Mutual funds taxation: How mutual funds are taxed in India?

Mutual funds are among the favourite investment options for many retail investors in India. They are known for the benefits of diversification and their tax-friendly investment options that could provide greater returns than fixed deposits, especially if you come under the highest income tax bracket. When the interest you earn is fully taxed, the remaining 5.3% to 6.3% returns would not be so significant considering the inflation rate in India. So, how does income tax on mutual funds in India work? And is there an income tax on mutual fund redemption? Actually, there are two ways in which mutual funds provide returns to their investors — capital gain and dividends. And for both, the tax treatment is different. Taxation on dividend According to the Union Budget 2020 amendments, dividends

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Sports

Betting on hockey: how to come to a successful result?

Hockey is a spectacular team game that attracts the attention of thousands of fans from different countries. It is interesting, but also difficult. The final result of the game depends on the individual form of each player. All sportsmen must be in excellent physical and emotional condition in order for the team to show maximum performance, play harmoniously and follow the chosen strategy. Many fans don't just like to watch the game of the players, but also like to bet. What do bookmakers offer to hockey fans? Hockey is popular on the websites of many bookmakers. Hockey is a fairly unpredictable game, so bookmakers often offer attractive and high odds. As a rule, they can be put on the following options: the entire championship; each club; individually for each player.

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Health

Medicare 101  – What You Should Know

When you’re new to learning about Medicare you may get lost in making sense of the Medicare alphabet soup. Part A, Part B, Part C, Plan G – what do they all mean? More importantly, which part and plans of Medicare do you need? Fear not – this article will share with you some things that you should know about Medicare. The Parts of Medicare This is where the Medicare alphabet soup comes in. Medicare has four parts; Original Medicare has Parts A and B. Medicare Part C is also known as Medicare Advantage. Medicare Part D is your prescription drug coverage. Part A covers your inpatient hospital care, hospice, skilled nursing facility, and home health care. Part B covers your doctor visits, outpatient care, durable medical equipment, and preventative care. Part C, also known as Medicare Adva

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Home

Tips for Modern Bathroom Design Trends in 2022

Although modern bathroom decor may vary in size, design, and style, it is always functional and aesthetically appealing. Mostly, they follow a minimalist approach and incorporate eco-friendly items. Artistic touches help to add more character to your bathroom decor and the natural materials are ideal for creating a green design. Contemporary bathroom designs in 2022 will feature neutral colours, clean lines, and wood and stone materials. These items help to maintain a minimalist look and enhance the bathroom’s appeal. The colour schemes include white, gray, and other similar colour tones instead of vibrant colours. They complement the natural look of wood and stone and accentuate modern bathroom designs. Mounted wash basin and smart storage and elegant and sophisticated bath accessories a

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Finance

How to evaluate returns from investments?

There are several asset classes to consider when investing. These include stocks, real estate, gold, fixed income securities, and more. In India, increasingly now, investors are focusing more on stocks either by directly investing in equity or by investing in mutual funds and Exchange Traded Funds (ETFs). However, be it any investment instrument, the sole purpose behind investments is the expected returns from it. People invest their money to fetch returns on it and to see it multiply in value over the years so that they can meet their financial goals and build wealth. So, it’s crucial to know how to evaluate the possible returns on a particular investment before putting your money towards it. In the investing world, this is termed as Return on Investment (ROI). How is ROI usually comput

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Home

What Makes A Moving Company The Best?

Moving is a big challenge. However, with a professional and affordable moving company, it can be a less daunting task. We understand that there are plenty of self-acclaimed best movers in Toronto, which is oftentimes a major reason why people find it pretty arduous to choose a moving company. You should definitely invest a considerable amount of time verifying the authenticity or credibility of the movers before you finally choose to hire them.  It’s because our house or office can have many valuable and expensive possessions. Thus we should not hand over all those possessions to an unreliable team of movers.  But you don't have to worry anymore. In this article, we will be discussing some of those qualities that make the best moving company Toronto. Here are a few qualities that a movin

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Automotive

Are you using the right tyre care products?

Tyre care products are substances that can be applied to tyres or the exterior of tyres. The goal is to make the tyre more durable, efficient and attractive looking. The condition of a tyre's surface is important in auto racing. Tyre manufacturers use many tyre care products in their manufacturing procedures. Furthermore, certain tyre care products can be applied by the driver to give the tyre more grip and performance - making it easier for drivers to control their cars. How does tyre care products help your car? Mostly in professional racing and in long term use in selected models of everyday vehicles such as police cars. New tyres are very slippery when they're new, which allows them to grip better on dry surfaces. As they wear out, their texture becomes less smooth and slick - impro

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Tech

Data Mining in Business Analytics

As businesses of all sizes evolve in the digital realm, they are understanding the importance of the data sets at their disposal and having algorithms in place to handle the real-time flow of information. One of the ways in which this is accomplished is with the help of data mining. Let's take a closer look at what goes into mining for proper data analysis and get a better grasp of the capabilities of artificial intelligence and machine learning. What is data mining? Organizations of all sizes are noticing the need to uncover patterns or rules that are meaningful within their databases. This is done through data mining, a field of data science. Data-mining techniques are designed to make machine learning models that enable artificial intelligence, or AI, applications. This could be

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