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Hi How have you been? So, wouldn’t it be a fair assumption that all human beings have credit history, provided she has borrowed. What about God then? Does he have a credit history too? Strangely, the answer seems to be yes! Well, that is what God Gazarov seems to be saying. God Gazarov, a Brooklyn based businessman was falsely reported for having no credit history. The fact although remains that he does have one. As a result God could not purchase his…

Hi How have you been? Election fever is here and we are going to be a part of this history. Technically, the future of India is in our hands...well at least as far as the next 5 years are concerned. But how much do we know about our candidate? Internet giant Google recently launched a new tool to facilitate citizens to access relevant information about various candidates. Credit obsessed as I am, I…

If you look around, you will find strong, independent, successful women featuring in various lists of “Most powerful women” in the country. And it’s true, you see more women climbing the corporate ladder, more women entrepreneurs. If you look around further, you will also find numerous articles and research talking about how women tend to be more financially disciplined than men. But then again, it’s almost a “fact” that they spend more on “unplanned” shopping sprees. Nothing wrong with that, but at the end of the day,…

The third eye is said to be the eye of insight - an eye that provides a vision beyond the ordinary. So is Credit Counselling a Third Eye to your Financial Planning? Well we will find out! The concept of Financial Planning is surely better known than Credit Counselling. But let me begin with decoding each concept…step by step! Financial Planning, at its simplest can be defined as a process wherein a Financial Planner would examine your current financial situation, understand future financial goals and then develop…

Follow these simple 5 steps and you will always have no debt stress or find yourself in a debt trap. Step 1…Know what you OWE To make sure that you don’t miss your payments and to maintain good credit history and a good credit score, figure out exactly how much do you owe, to whom and how much. Keep a record of all your loans and credit cards, including information such as: Account / card number, lender/card provider, type of debt (housing loan, auto loan,…

Let me start with identifying the symptoms that would help you recognize the need for credit counselling • Rejection of a loan / credit card application • Poor credit history • Low credit score • Cash strapped due to obligations • Debt trap Is your answer to any of the above symptoms a “YES”? Undoubtedly most of us would believe that credit counselling is required when…