Finance

How To Save Money While Making Your NBPDCL Bill Payment?

Everybody wants to save money, whether it’s while purchasing something or while simply paying their electricity bills. If you also wish to save some money while paying your NBPDCL bill, keep reading. Identify The Cause And Cut Down On Consumption Sometimes you need to reach the root cause of the problem and start correcting it right from the beginning. If you’re getting huge electricity bills, the easiest way to save some money is by identifying the cause behind those increasing bills. Then you can determine for yourself whether you can cut down on some of those consumption patterns or not. If you can, do that. Switch off lights and fans when you go out of a room, don’t leave the plugs on when not in use, use motion detector lights, and so on. All these small steps can reduce your energ

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Finance

Which is better, OTC or the listed options?

Options are classified into two categories: over-the-counter (OTC) and listed. The main difference between the two is that OTC options are traded between parties directly, while listed options are traded on an exchange. In this article, we will compare and contrast the two types of options and try to determine which is better. Understanding the Basics Both OTC and listed options have the same basic structure. They are contracts between buyers and sellers, where the buyer has the right but not the obligation to purchase or sell an underlying asset at a specific price and on a certain date. The main difference between the two types of options lies in their trading venue: OTC options are traded between two parties, while listed options are standardised and traded on an exchange. Advant

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Finance

Nitty Gritty About Payday Loans That You Need To Know

A financial crisis can happen to anyone, but not everyone stays prepared for such a situation. People with loose money handling habits face such situations more often and hence look for an alternative to settle their financial crisis until they get enough funds to equate them. Usually, people prefer a personal loan that makes sense as it is a collateral loan that comes with a quick disbursal process. However, only some qualify for a personal loan, and hence they fail to find the right loan option. Here comes the valid option, i.e., payday loans. A payday loan is nothing more than a short-term loan before pay day. Many lenders lend you money till your next salary is credited to your account. It looks fascinating to most of you, but before you apply for a payday loan, it's crucial to know

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Finance

The Basics of a 401k Retirement Plan

Before choosing a 401k, it's essential to understand how it works. This article will cover topics and more. Investing in a 401k is a great way to save money and invest for retirement. Employer match vs. Employee contribution The most significant difference between an employer match and an employee contribution in a 401(k) retirement plan is the amount of money an employer will contribute. Many employers match employee contributions to a certain percentage of the employee's income. For example, a company that matches 4% of an employee's income will contribute up to $2,000 if an employee contributes $6,000 to their 401k. However, there are some limits to this benefit. For example, if an employee only contributes $200 per month, the employer will not match that amount. Another difference b

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Finance

What Is Lump Sum Pension?

You may say goodbye to all the stress and time restraints once you retire. Once there, you'll have time to focus on your interests, loved ones, and goals after retirement. It could not be achievable, though, if there are no savings or a consistent source of income. Additionally, inflation and growing medical bills can disturb your peace of mind. As a result, you must create a solid retirement plan and save enough money for your retirement years. Retirement plans meet different needs. One of the options is choosing between an income benefit and a lump sum benefit. What is a lump sum pension? An initial payout from your retirement plan is a lump sum pension. It offers a sizeable chunk of money that you can utilize to fund your immediate retirement needs, such as starting a new busines

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Finance

Make Water Bill Payment For Over 30 Distributors Via Airtel Payments Bank!

Making your water bill payment online has never been easier. In fact, Airtel Payments Bank has not just made paying water bills but also electricity bills, postpaid mobile bills, recharges, FASTag and so much more possible in a single app. Moreover, the lucrative discounts they offer just act as the cherry on the cake, making you want to go for Airtel Payments Bank. Another big reason to choose Airtel Payments Bank is the variety it offers. While not every payment app would have enlisted every distributor, Airtel Payments Bank doe its best to include as many as possible. So, if you plan to make your water bill payment online via Airtel Payments Bank, be rest assured that you’ll definitely find your distributor enlisted here. Given below is a list of over 30 distributors across the nation

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Finance

The best personal loan affiliate program in India

Being financially stable is considered one of the essential things in life. With the pandemic, many lost their jobs, creating unrest for what lies in the future. After seeing what many went through in the last few years, the need for an alternate source of income has become apparent. One should always have a backup in case their primary source of earning gets affected. The good thing is that there are other opportunities for one to make a handsome earning. You do not even need to step out of the house to supplement your wealth. A lot can be done with just a few clicks on a smartphone. Connecting with people, paying off bills, ordering things for the house, and so much more can all get done with the help of a smartphone. More importantly, one can even earn money with it! Financial institu

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Finance

Should You Invest In ELSS Mutual Funds Or PPF For Tax Savings

If you want to accumulate wealth for retirement, you need to seriously consider investing in the market. Just saving money is not enough and, it is not even practical. One possible investment option that you can opt for is mutual funds or their numerous variants. Apart from accumulating wealth, another reason why people consider investing is to save taxes. When it comes to mutual funds, there is one scheme that can help you in saving taxes. The said scheme is ELSS, i.e., an equity-linked savings scheme, which is known for investing primarily in equities. However, one of its alluring features is its tax-saving facilities. But there is another scheme that isn’t a mutual fund variant. The said scheme is the public provident fund, i.e., PPF. If you are wondering, which one to choose between t

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Finance

How is a LAP Different from a Regular Home Loan?

A home loan is a type of unsecured loan. If you wish to purchase a plot of land, under-construction property or a new home, you can apply for a home loan. However, a loan against property (LAP) is a kind of secured loan that can help meet a range of financial requirements. As the name of the loan suggests, you need to pledge a property (residential or commercial) as collateral to apply for the required loan amount. Here are the other points of differences between these two types of loans. Interest Rate The rate of interest plays a crucial factor when you apply for a loan. It determines the interest you pay as a part of the EMIs. A home loan usually has a lower interest rate than a loan against property. However, if you choose a reputed lending bank, you can get competitive interest rat

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Finance

How To Get Coverages For general liability insurance

General liability insurance is a type of private life insurance that can be used to cover things like medical bills, car repairs, and other property damage caused by an auto accident, for example, you might have general liability insurance if you were injured in an auto accident and your insurer knows about it and covers you for the costs associated with your medical bills. If you’re not sure what type of insurance to get, it’s always a good idea to talk to someone who knows beforehand, so here are some tips on getting covers for general liability insurance:  Know the Types of Insurance you Need One of the most important things you can do to protect yourself and your family this coming winter is to know what types of insurance you need. The good news is that there are plenty of good

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