Age doesn’t directly change your credit score, but it affects several pieces of the puzzle lenders and scoring models use. Time on your side — or the lack of it — often shows up in your credit history, account mix, income stability and borrowing patterns. Those things do influence the score. How age affects credit … Read more
Personal loans can be a useful tool for managing money — but only if you use them carefully. With the right choices, a personal loan can cut your interest costs, simplify repayments and improve your overall financial plan. Consolidate high‑cost debt One of the smartest uses of a personal loan is to consolidate high‑interest debts, … Read more
First-time personal loan use rises for festive spending A recent survey found that 41% of respondents took a personal loan for festive expenses for the first time. This suggests a clear shift: more households are turning to credit to fund celebrations and seasonal spending. What this trend signals Growing acceptance of credit: Borrowing for festivals … Read more
The appeal of no personal income tax One of the clearest financial draws to Dubai remains its lack of personal income tax. For professionals and families, that means take-home pay that often goes further than in many Western cities. Savings, investments and discretionary spending all benefit from higher net incomes. Where the money goes: education … Read more
Thinking of donating to a foreign charity? Check the tax side first Giving to a well-known foreign charity, such as a national Red Cross society, is generous and often straightforward from a practical point of view. But if you live in India, there are a few tax and compliance points to consider before you click … Read more
Why disputing credit report errors matters Small mistakes on your credit report can have big consequences. Disputing errors protects your credit score, keeps your financial profile accurate, and improves your chances when applying for loans, credit cards, or better interest rates. Correcting inaccuracies also prevents future surprises that can make borrowing more expensive or even … Read more
The fluency trap of AI-powered investing AI tools for investing sound smart. They write clear explanations, provide neat charts and deliver crisp recommendations. That fluency makes them feel like experts. But smooth language and polished outputs can hide real weaknesses. Why confident-sounding AI can mislead Natural-sounding answers are not the same as true understanding. Many … Read more
Cards that cut travel costs: a quick guide Many credit cards now offer ways to save on flights and hotel stays. These discounts can come as direct price cuts, bonus points, statement credits, or access to exclusive booking portals. For frequent travelers, the right card can reduce costs and add useful perks like free checked … Read more
Getting a personal loan depends on more than just a good credit score. Lenders look at several factors to make sure you can repay the loan. Understanding these criteria can help you prepare a stronger application and avoid surprises. Key eligibility criteria for personal loans Credit score: A healthy credit score is important, but it’s … Read more
Why your credit profile matters A solid credit profile often determines whether you get a competitive mortgage rate or find your loan application turned down. Lenders use your credit report to judge how likely you are to repay. The better the profile, the lower your interest and the more choices you’ll have when house hunting. … Read more