Author: TI Editor

If you never held a credit card and never took a loan then the chances are that your credit profile does not exist. This means the bank may refuse to give you a credit card or a fresh loan.This is a common problem among young loan seekers who have recently started earning and do not have a credit profile to speak of.So, what is one supposed to do in such a case? One of the important steps which one can take is to build the credit profile step by step.Few useful steps which one can take:I. Get a secured credit card: Procuring a secured…

The deal President Donald Trump and Ukrainian President Volodymyr Zelensky are expected to sign Friday hinges on a bullish view of Ukraine’s critical mineral wealth. Both parties have reason to project optimism. But significant questions remain about Ukraine’s mineral endowments and the economic viability of extracting them. The deal would establish a reconstruction fund to be capitalized by revenue from the sale of Ukraine’s “government-owned” natural resource assets, “including, but not limited to, deposits of minerals, hydrocarbons, oil, natural gas, and other extractable materials, infrastructure, ports, and state-owned enterprises.” The U.S. is attempting to diversify U.S. mineral supply chains away…

Are you planning to upgrade your analogue watch with a smartwatch? This is the perfect time for a change because you can grab great deals on smartwatches during the Amazon Mega Smartwearable Days sale. Premium options from Apple, Samsung, and Amazfit, along with budget-friendly choices from boAt, Noise, and Fire-Boltt, are all available at unbeatable prices. Enjoy massive discounts, exclusive offers, and limited-time deals on feature-packed smartwatches with fitness tracking, call support, and AMOLED displays. Don’t miss this opportunity to upgrade your style and tech—shop now before the best deals sell out!Top smartwatch dealsSamsung smartwatchesSamsung smartwatches are perfect for those…

Airtel’s ongoing discussions to merge its DTH business with Tata Sons’ Tata Play signal a deeper push into broadband, pay-TV, and enterprise connectivity. Analysts see the move as a strategic pivot to monetize its 5G investments beyond mobile tariff hikes. However, with the pay-TV business in structural decline and execution risks looming, the success of this expansion remains a key question. Airtel egde and market sentimentAirtel’s December quarter results reinforced its industry lead. The company added nearly 5 million new subscribers, lifted its average revenue per user (ARPU) by 5%, and posted a 41% sequential surge in net adjusted profit…

If you are planning to raise a personal loan, one of the key things that you should consider is the interest rate at which the loan is offered. This directly influences the monthly instalment, which is also referred to as EMI (equated monthly instalment).An EMI is a function of several factors including credit score, amount of loan, salary of borrower and the category of employer i.e., government, PSU, large corporate or SME.For instance, someone who has a job in a small and medium sized company with a low credit score is likely to get a loan at a higher rate…

AGS Transact defaulted on dues totalling 7.26 billion rupees Crisil downgraded stock on February 4, India Ratings on February 5 Shares slump 62.4% since February 4, hit record low MUMBAI, March 3 (Reuters) – Indian payments services firm AGS Transact Technologies said on Saturday that a creditor plans to initiate insolvency proceedings against the company for non-payment of dues. Maxwel Aircon India Private Limited, an operational creditor of the company, has alleged default in repayments and sought an initiation of corporate insolvency in the National Company Law Tribunal, AGS Transact said in an exchange filing. Maxwel Aircon did not immediately…

Personal loan: If you have a domestic or overseas travel lined up and are short of funds – you may have a temptation to take out a personal loan for the same.Although fundamentally it is not a complete no-no, it is subject to some checks and balances. Let us understand more on this.Suppose you have a plan to go to Goa with your childhood friends which was made at the drop of a hat. You have recently run out of money because you bought a car recently.You can easily save enough money in the next two to three months for this Goa…

As we celebrate International Women’s Day on March 8, it’s the perfect time to focus on the importance of financial literacy for women. This year, let’s move beyond the celebration and focus on steps that empower women to achieve financial independence. Financial literacy and strategic investments are key to securing a stable future. From the dynamic world of mutual funds and stocks to the timeless appeal of gold and real estate and the security of government-backed schemes, let’s explore top investment options for women to grow their money.Eight top investment options for women on International Women’s Day 20251)Mutual FundsMutual funds…

If you are planning to go abroad and rely on a credit card for your day-to-day expenses – be mindful of the fact that each credit card levies a small fee for the transactions incurred in a foreign currency. This fee is also known as a forex conversion fee.This is a fee levied by a bank for converting foreign exchange from one to another. The fee could range between 1-4 percent on each transaction.Typically, your total expense could be exorbitant when you travel overseas. For instance, when your total spend via credit card is ₹10 lakh then 5 percent on this sum…

This quote holds significance, especially in building a balanced portfolio that provides growth prospects along with stability in the long run. One way to achieve this is to utilise core satellite investing. Developed in 1973 by US economists Fischer Black and Jack Treynor—who also created the CAPM model—core satellite investing blends active and passive investment strategies. This approach is rooted in the modern portfolio theory (MPT) introduced by Harry Markowitz in the 1950s, emphasising diversification and strategic asset allocation. Also read: Risk: An underrated word in today’s investment landscape Initially popular among institutional investors in the 1990s, core satellite investing…