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Important Soft Skills you were never taught in school

Ok so have you’ll gone through the laws of thermodynamics or have you’ll gone through all the mathematical formulas?…. ohh you haven’t? Well, I’m just kidding, neither did i. So i was just pulling your leg since we learn a lot of these things in school but there are hardly any practical applications in real life. I believe that real life is quite different from academic life. We were taught so many valuable lessons in schools and colleges but they…

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Lazy Password Syndrome

Laziness is a universal syndrome – even the most active person, at some time succumbs to it! Strangely, it hits us in the most unlikely manner and in the most unlikely aspect of our life. The other unique aspect of this syndrome is we often allow it to creep up on us and then justify its impact.    Technology is meant to make life easier for us, protect us and our data and ensure privacy of personal information. From our simple…

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Getting married? Don’t fall for some credit myths!

When you take your vows and promise to be true in good times and in bad, do you end up saying “I do” to your spouse’s bad credit history as well? Marriage is a union of two souls and from a financial standpoint, it means saving for the future, buying a dream home or planning for your child’s education. Marriage can also have an impact on your credit score. Whilst, your “marital status” as such does not impact your credit score, there are certain myths that…

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NEW YEAR…NEW DECADE…NEW BEGINNINGS..

I had slipped into a fairly long self imposed sabbatical on writing my blogs and now, feeling the need, I am starting again to write - and thus the title of my first blog version 2.0. In ophthalmic terms,  20/20 means clarity or sharpness of vision. Ironically, 2020 has started with anything but that. Anywhere you look there is uncertainty, concern and a looming feeling of upcoming serious problems.. The US-China trade war, The most recent eye to eye of USA and Iraq,…

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Have you tried “Envelope Budgeting”!

Hi! How are you? Summers are here! What better season and reason to go on a holiday with family & friends. I have planned my trip to London…how about you? I have been planning this trip from a long time and had also set aside a budget. This time I used a simple technique…called the “Envelope budget” and trust me it helped me keep a tidy budget… Here is how you can go about with “Envelope Budget” First rule…

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How do you manage your debt?

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,…

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