August, 2025 - The Savings Opportunity - Discover Commodity Investing

Aug262025 by Laila EliasNo Comments

Benefits of Opting for a Home Loan Top-Up

Finance

When you already have a home loan and need additional funds, you may wonder whether to apply for a new personal loan or explore other borrowing options. In such situations, a home loan top-up can be one of the smartest financial moves. Offered by most banks and housing finance companies, a top-up allows you to borrow an extra amount over and above your existing home loan without going through the lengthy process of applying for a fresh loan. A home loan top-up is not just convenient but also more cost-effective compared to many other credit facilities. Let’s look at the major benefits of opting for this option and why it is increasingly becoming popular among homeowners. 1. Lower Interest Rates Compared to Personal Loans One of the biggest advantages of a home loan top-up is its cost. I...

Aug262025 by Laila EliasNo Comments

Reasons Why You Should Consider a Personal Loan for Education

Business

Education is perhaps the most important investment you can make for your future. Whether you are pursuing higher studies in India or abroad, taking an online professional certification course, or paying for a family member’s education, quality education is often accompanied by significant financial burdens. While scholarships and standard education loans are common ways to help pay for education costs, there is another option gaining traction – a personal loan for education. Many individuals are now utilising personal loans to fill the gap in education funding – and for good reason. The convenience of a personal loan due to quick disbursement, limited documentation, and applying for a personal loan online makes it an easy and feasible option. Here’s a closer look at why you should consid...

Aug132025 by Laila EliasNo Comments

Saving Money: Comprehensive Strategies for Financial Freedom and Stability

Saving Money

Introduction In a world of rising living costs and unpredictable financial challenges, saving money is no longer optional—it’s essential. Effective money management and savings strategies not only provide a safety net during emergencies but also enable individuals to achieve life goals such as buying a home, funding education, or preparing for retirement. Yet, many struggle with saving due to lifestyle inflation, lack of planning, or ineffective budgeting. This article provides detailed, research-based strategies for saving money, offering practical steps to improve financial discipline, optimize spending, and grow wealth over time. The Importance of Saving Money Saving money plays a crucial role in financial well-being. Beyond accumulating wealth, it ensures financial stability and fle...

Aug72025 by Laila EliasNo Comments

How Much Monthly Pension Can I Get from the NPS?

Investment

While retirement is an opportunity for newfound freedom, it comes with a new financial reality. After working hard during your lifetime to accumulate assets, it’s essential to be prepared and fully utilize these contributions. This is where the National Pension System (NPS) comes into the picture – a government-backed retirement scheme that is designed to provide you with steady monthly income in your post-retirement phase. One of the most common questions from future retirees is, “What is the monthly pension amount I will actually get from NPS?” So, let’s pose the question above in a straightforward and easy-to-understand manner. What Exactly Is NPS? Launched in 2004 by the Government of India, NPS was originally targeted at government employees. However, it has now been open to all I...