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Understanding Your Credit Score.

When you’re applying for a mortgage, your credit score is a major factor in whether your application will be approved and in deciding your interest rate. A higher score increases your chances of approval and a receiving a lower interest rate, but how is your score determined?     Most companies use a FICO credit…

Step By Step Guide for your Home Loan Process

The process of home buying, especially the first one, is super exciting!! But at the same time, it could be very daunting and time consuming too. If you have done your homework and are equipped enough with all the needed information about the various aspects of home buying, it could turn into a much more…

Tips to Navigate a Hot Housing Market

You go to an open house and find more than 20 people checking the place out. Your offer competes against 13 others. The house sells for $130,000 above asking price, in cash, with no contingency clauses. There are real war stories like this from hot real estate markets, where home inventory is low and the…

Impact of ObamaCare on Dependents

 Impact of ObamaCare on dependents not covered by Corporate Medical Insurance Many Indians in the USA are responsible for the care of their dependents (parents, siblings, etc.) who are not US Nationals or Permanent Residents (Green Card holders). In the past, family members who visited the USA on Visitor visa could be claimed as dependents,…

Are you a NRI looking for Investment Opportunities in India?

Recently, the steps taken by Government of India has not only motivated Foreign Institutional Investors (FII) but also NRIs Investors. Indian Government is now promoting and providing good investment opportunities to NRIs.  The good thing is NRIs are equally excited and want to invest so they can contribute to the growth of Indian economy. However,…

“During the trip” tips, to get the most out of your vacation

  Whether your vacation destination is international or local, you might want to keep in mind some of these tips during your trip. If you have done good trip research/planning and worked on your “Before trip to do list”, you are half way through. Next, by following these “During trip” tips you are all set…

Before trip planning checklist

  The idea and the goal should be to maximize fun times while on vacation and not worry about bills, chores etc back home. So, be best equipped with good planning for maximum enjoyment and relaxation. My before trip planning checklist/to-do list looks like this. First thing to do: Make sure you pay off all…

How I plan my vacation logistics and spending.

  I live in Seattle, Washington. I am a Software Development Engineer by profession and I earn decently well! It’s a known thing that life is usually hectic in this line of work. Personal time to spare is limited. As work and stress of daily life increases, the need to have more sophisticated entertainment increases as…

Personal finance management while you are in your first job, right out of college

  You survived college. You got your first job. Now, you are earning! What next? How do you manage your finances? Well, here are some tips !! Paying off student loans Though this is a priority and you are very stressed about it, if you have techie/management job, you likely make enough money to pay…

Managing personal finance in your student life

  I moved to America for my Masters in 2008 as a single woman with no dependents. I borrowed money from my dad at no interest. But he told me he needed  it back for retirement.I went to Utah state University which is relatively pretty reasonable as far as the Fees/cost goes. My cost of…

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