Author: Angela Manning

Do you need new Oil and Gas talent?

Angela Manning Business , , ,
Do you need new Oil and Gas talent?

Hiring a new employee is an investment in your business that shouldn’t be taken lightly.

How do you know when hiring a new employee is the right decision? Where can you go for help?

It may be detrimental to your business to hire someone just to fill a vacancy rather than promote top talent. Also, you miss out on improving your company’s culture.

Below are some points of consideration to determine if you need new talent for your business. 

Expansion and the need for new employees

It may be necessary to hire a new employee if your current team lacks the particular skills needed like a fitter and turner for example.  

It’s always important to continue to develop your oil and gas staffing needs. You should invest in your long-term business strategy by hiring a new employee with the right experience in the area you need. 

You should keep in mind that it can take months, or years to train new staff. They will often be graduates with little experience. If they require specific training for a unique task that also draws time away from your current employees. 

One tip to look for when hiring new employees is to look for someone that not only has the required skills but is willing to share their skills and knowledge with your existing team. Collaboration is the key here. 

Your company is in the growth stage

Getting the right people on board as soon as possible is one of the most important steps to building your business. 

A candidate’s growth potential and LinkedIn network should also be considered as part of the hiring process at this stage. 

Look for a candidate who is excited about joining a new project and who will spread the word to a valuable network of friends and colleagues is what you are looking for. 

Focus on candidates that express curiosity, engagement, and a relentless drive to succeed, and remember that your hiring process is also a marketing tool for building your brand.

Your company is trying to reinvent itself

The key to reinventing your business, brand, and team is to hire new talent. This helps drive new ideas when building something new. 

You should consider candidates who think and act differently than the standard norms of your existing employees. 

Look into bringing some diversity into your recruiting process.

Where possible bring in industry leaders or top talents from other companies bigger than yours. They can then come and implement their existing knowledge into your business. 

Have a succession plan

Succession planning is vital to any business. The best time to start succession planning for your company’s leaders is immediately after they take the reins. 

Attending conferences, networking at events, or chatting with a competitor should always be included in your succession plan and recruiting strategy. 

When it comes to hiring top candidates, long-term relationships can mean the difference between signing an offer or missing out on top talent. You never know who’s watching you. 

Top 5 Reasons for Buying Window Shutters

Angela Manning Finance ,
Top 5 Reasons for Buying Window Shutters

Introduction 

Window shutters might feel like a significant investment, but they can yield fantastic results, offering additional security and privacy and bolstering curb-side appeal. Since they come in several materials and colour options, they are also excellent for homeowners who want to give their space some extra character. Whether you like classic, chateau-style wooden shutters or more modern aluminium varieties, window shutters are a popular feature and can up the value of your home.

Here we explore five reasons why you should buy window shutters.

  1. Privacy, security, and ultimate peace of mind 

Shutters can offer a fantastic element of security to any home, especially roller varieties or those with locking options. Windows are undeniably a vulnerable point in many homes, and shutters can act as an extra layer of defence against possible theft or intrusion. They are able to effortlessly amalgamate security and style, so your home retains aesthetic appeal, all the while having extra security.

Shutters are also a fabulous way to ensure privacy, as the slats can be fully closed, partially closed, or opened at your discretion. While curtains often result in that all-too-familiar gap, shutters can be completely secure if and when needed, further enhancing privacy.

With privacy and security in check, these two undeniable benefits of window shutters offer homeowners ultimate peace of mind. Shut them when you’re out of town and avoid the stress of potential prying eyes into your home.

  1. Aesthetic appeal 

Let’s be honest; many homeowners take great pride in the aesthetics of their homes. Shutters, while highly functional, are also aesthetically appealing and can really improve the curb-side appeal of a home. While some windows boast elegant design and are a focal point of a building’s exterior, others do not add much to a home’s appearance. This is where shutters can make a remarkable statement. Since they are so customisable, you can choose colours and materials that enhance your home. Whether you prefer modern finishes or the rustic appeal of wood, the world of shutters offers great diversity and styles can suit varying budgets and preferences. Explore suppliers with a range of shutters from café style designs and French varieties to sash window shutters and plantation varieties. Whether you’re looking to add shutters to a bay window, enhance your kitchen design, or enjoy the benefits of bedroom shutters, variety is key.

  1. An energy-efficient solution 

Another fantastic benefit of window shutters is their energy-efficient nature. Because they are so closely attached to windows, they serve as an excellent insulator, and in essence, they can seal in the heat or cold. Research suggests that windows cause 30% of energy loss in a home (both heating and cooling), and this can result in a greater need for heaters and air-conditioning systems.

On colder days, when cooler temperatures drop or condense around your windows, closing your shutters can help to retain heat and keep the warm air inside. This can save you on those heating bills, and in turn, yield a fantastic return on investment. In summer, you can keep the overtly hot rays at bay, and in winter, you can keep the warmer air inside. When it comes to shutter materials and their energy-efficient properties, these are good options:

– Faux wood (usually made with vinyl or PVC)

– Composite shutters made with MDF

– Wooden shutters

Those who want to retain warmer or colder air and enhance their green footprint can also opt for additional insulation solutions to bolster the retention of energy. This might include sealing gaps with household Chaulk, wooden shims, or furring strips. Your window shutter manufacturer can advise you on want insulation options will best suit your particular window shutters.

  1. Various visibility and lighting options 

Another fantastic perk of shutters is that they offer multiple visibility options. While curtains can only be opened or closed, shutters boast extra versatility. This makes window shutters a great choice if you want to look out to your garden but don’t want all the sun’s rays streaming in. It’s also a fantastic idea if you’re going to peak outside without the hassle of prying eyes looking back at you.

This also means that shutters offer a nuanced way to manage light. The solid slats in shutters allow you to choose where the light shines, and this means that you can manoeuvre the slats to get the best possible lighting for your needs. You can control the slats to manage how much sunlight your houseplants get or to determine the heating levels within your home. This is also a notable feature if you want to watch the television or work on your laptop and avoid any screen glare. These benefits also make shutters an excellent idea for home offices or places of work.

  1. Boosting the value of your property 

Shutters can ultimately enhance the value of your home. While they might seem like a pricey investment at first (and maintenance costs should be factored into the overall budget) they are known to offer a great return on investment over time. Shutters are usually a very low-maintenance addition, and most come with a sizeable warranty. This is appealing to future buyers and increase the appraisal value of a property. Since they are so energy-efficient, they are also an attractive feature and can save homeowners on electricity and energy costs down the line.

The Takeaway 

Window shutters add value and aesthetic appeal to your home, making them a popular pick for many homeowners and a great feature in the event you want to sell your home. They also offer additional privacy and security, and this results in ultimate peace of mind.

With so many styles available, the world of window shutters is an abundant one that is bound to delight.

What is your favourite style of shutter and how have they benefitted your home? We would love to hear from you!

Five reasons why investing in mutual funds for a car now is better than taking a car loan five years later

Angela Manning Finance , ,
Five reasons why investing in mutual funds for a car now is better than taking a car loan five years later

Purchasing a car is one of the most considerable expenses an individual makes after buying a home. For many, purchasing a vehicle is a short-term goal, and you can opt for a car loan to meet the same. However, if you plan to buy a car five years later, you can start saving today. In this blog, we help you understand whether you should take a car loan or save for your car using mutual funds.

1. Car loans come with additional costs

All major banks in India offer car loans. Since it is secured by the car, the rate of interest is lesser than personal loans. But, other costs still exist that add up to increase the overall costs. These include processing fees, document charges, and GST.

2. You pay much more with a car loan

Many banks offer 80% to 90% of the car’s price as a loan. Thus, to buy a car, you need to pay 10% to 20% from your savings. For example, if your car’s on-road price is Rs. 15 lakhs, you need to pay Rs. 1.5 lakh or Rs. 3 lakh as a down payment.

Interest is one of the primary costs you pay over and above the principal amount of the car loan. The interest amount is calculated based on the loan amount, interest rate, and loan tenure.

Let us understand this in more detail with the following example.

For your car worth Rs. 15 lakhs, you paid 10% (Rs. 1.5 lakh) as a down payment. The loan amount will be Rs. 13.5 lakh. Suppose the bank charges 8% as the interest rate and the tenure is 5 years; your monthly EMI is Rs. 27,373. Your total interest payout equals close to Rs. 2.92 lakh.

So, a car loan is quite expensive. You pay a lot more than the car’s value as interest and other charges.

3. Your car is a depreciating asset

The value of your car is depreciating. Instead of paying a particular amount as EMI every year, you can choose to invest in monthly SIP and earn returns, which can help you earn more than the principal loan amount at the end of five years.

4. Car loans do not carry any tax benefits

Car loans are categorized as bad loans. You cannot avail of any tax benefits on the same, unlike home loans and education loans. Thus, these are expensive loans.

5. Mutual funds offer superior returns

Equity mutual funds are great for achieving long-term financial goals, such as children’s education, retirement, etc. But, if you are interested in goal based investing and have five years at hand to buy your new vehicle, hybrid or debt funds are ideal for you.

In conclusion

When you have to choose between a car loan or mutual funds, the latter is always better. The Tata Capital Moneyfy App is an ideal choice for new investors. It makes you investment-ready within minutes to make the most of the goal-based investment options.

Factors that contribute to a rise and fall of gold price

Angela Manning Finance
Factors that contribute to a rise and fall of gold price

Ever since the Covid-19 pandemic struck, gold prices have seen a steep rise and fall. Gold price crossed the Rs. 50,000 per 10 gram mark in July 2020, and came back to around Rs. 45,000 for 10 gram a year later. As of August 10, 2021, gold price in India was Rs. 47,900 for 10 gram.

Have you ever wondered why gold price increases or decreases every day?

Many factors contribute to the fluctuation in the price of gold. Some of them are –

 

1. Demand and supply

As per data by World Gold Council, 30% demand for gold is driven by investments. Over the last three decades, the annual volume of gold bought by investors has increased by almost 235%. Historical data by the council has proved that when the level of income rises, so does the demand for gold. For each 1% rise in income per capita, there is a similar 1% rise in the demand for gold. On the other hand, for every 1% increase in the gold price, demand falls by 0.5%.

 

2. Hedge against inflation/crises

Whenever there is a rise in inflation, investors turn to gold because economies tend to become unstable and the market becomes volatile during such conditions. Gold is considered a safe investment avenue as it is not easily influenced by currency fluctuations.

 

3. Government’s gold reserves

If the government decides to hold its gold reserves, there would be an increased demand for gold, driving up the price.

 

4. Government’s import and export policies

If the government allows a higher volume of gold imports, gold gains traction and its price increases. As per a report by Business Standard, a national daily, India is the largest importer of the precious metal. If the import duties are lowered, the demand for gold increases, leading to a price rise. Conversely, if the taxes on gold import go up, the demand takes a hit.

 

5. Recession or economic slowdown

In an economic slowdown or recession, the household savings tend to get directed towards safe investment options like gold. Gold tends to have an inverse correlation with other market-linked securities; when such securities do not perform well, gold does and its demand rises. It causes a surge in gold prices.

 

6. International trade

International economic policies also affect gold prices. For example, if the interest rates on US bonds and T-bills drop, gold becomes the preferred investment avenue for many investors in the US and that could lead to higher demand, which could further increase the price of gold.

Gold is a rare metal that has traditional and cultural values attached to it. As per data by World Gold Council, gold is now more favored by investors than at any other time in history. If you are an investor looking to diversify your investment portfolio, you can opt for alternatives to physical gold like gold ETFs, Sovereign Gold Bonds and gold mutual funds. Investing in these options helps in avoiding the drawbacks associated with owning physical gold.

Based on the duration of your investment, these alternatives could offer better returns than physical gold. For instance, Sovereign Gold Bonds can offer you an additional 2.5% interest on your invested amount, which is in addition to the appreciation in gold price over time.

How to Make Your Mustang Faster

Angela Manning Finance
How to Make Your Mustang Faster

So, you’ve got a need for speed? Not surprising if you own the United States best-selling sports car. But how do you make your Mustang even faster?  Modifications!

There’s a ton of mustang accessories out there to try. And the best part is, you don’t have to be a professional street racer to trick out your ride.  Keep reading to learn how to snag a truly fast Mustang!

Air

Whether you’re the proud owner of a 4.6 or a 5.0, one of the first places to upgrade the speed of your Mustang is the air intake.

The basic factory air intake is restrictive. It takes air from the engine bay, which heats fast and slows the engine down.  Solution?

Switch to a cold air intake (CAI). The oxygen-dense cold air will free up space around the engine. This will allow your horses to run free without the worry of overheating.

In short: cold air = more horsepower.  Switching to a CAI also improves airflow and throttle response. Plus it makes your intake louder.

Keep In Mind

Some cold air intakes need a tune because of their larger tubes. The tune syncs up the Mass Air Flow sensor with the new air intake to regulate the air-fuel ratio.

Not all Mustang models need the tune. Double-check before you try to make the switch yourself to avoid engine damage.

Exhaust

Loosen the reins of your horsepower further with a new exhaust system.  The simple switch can give your engine 2-5% more power. Every add-on increases that percentage.  And as far as car modifications go, a new exhaust system on your Mustang is by far the most fun.

You can browse your choice of mustang mods like dual exhausts, axle back kits, and headers to give your Mustang an exhaust system that roars.

Add a Larger Throttle Body

Not always a crowd favorite, as a stand-alone add-on, but something worth looking into. Especially if you grab an aftermarket exhaust system.

A larger throttle body can help you get that extra boost of horsepower. The bigger the throttle, the more air that can pass into the engine.

Coupled with a new exhaust system, saddle up your ponies, and watch your engine power increase up to 25 hp!

Supercharge It

If you want to get ahead of the competition, install a supercharger.  A cold air intake, exhaust, and throttle body will get the job done. But a supercharger is an all-around package that all modified Mustangs should have.  It’s the best car mod for America’s favorite sports car.

A supercharger increases intake by compressing air without creating a vacuum. The energy comes by using a belt or chain drive that connects to the engine’s crankshaft.

Supercharging your Mustang adds over 45% more horsepower, even in high-altitude situations.

Get a Fast Mustang With the Right Mods

There are tons of Mustang accessories for performance enhancements that’ll give you a fast Mustang!

From headers, air intake adjustments, and throttle spacers you can transform your Mustang into a speed demon and bring home the gold, without breaking the bank!  Get started and turn your pony into a stallion!  Keep tabs on our blog for more motoring advice!

Popular Amusement Parks To Visit If You Love Rides

Angela Manning Travel , , , ,
Popular Amusement Parks To Visit If You Love Rides

Thrilling rides, enticing shows, that feeling like you might be about to vomit: what’s not to enjoy about amusement parks? If you’re hunting for a vacation destination, why not choose to visit a theme park! You’ll get a break from work, the kids will have a blast, and you might be able to win your spouse a prize at a rigged game–if you’re lucky. But with so many different parks to choose from, and many of them are spread out across the country, how do you know which one to pick?

Disneyland

The grandfather of big-time amusement parks, Disneyland has it all: incredible rides, amazing shows, games, and best of all, Mickey Mouse. It contains properties from all your childhood favorites, such as Pixar, Star Wars, Avatar, specific Marvel products, and, of course, Disney. Climb aboard rides like Splash Mountain, The Haunted Mansion, and Pirates of the Caribbean. While Disneyland resides on the west coast, there is also a park located in Orlando, Florida called Disney World, which offers customers just as much fun.

Universal Studios

Another amusement park powerhouse located in Orlando, Universal Studios is where movie magic comes to life. The park contains attractions from popular films and television shows, such as The Simpsons, Harry Potter, Jurassic Park, Marvel, and plenty of older classics, like Men In Black, The Mummy, and Popeye. Coincidental enough, Universal also happens to own another park in California, where Disneyland is residing–those two just can’t keep away from each other.

Six Flags

While it might stand a bit shorter than Disneyland, Six Flags still packs a major punch. They’ve got some of the best roller-coasters in the country, along with water parks that really make a…splash. And while you won’t find any Pixar or Marvel characters roaming about, you might find Bugs Bunny walking around the park. There are several Warner Brothers inspired rides, such as Loony Toons, Scooby-Doo, and many DC Comics attractions, like the Mr. Freeze coaster, a Batman coaster, a Superman free-fall tower, and even a Justice League laser shooter!

Ending Thoughts

If you have a deep love of theme parks and crave the exhilarating rush of wind on your face as you plummet towards the earth, these are among the best in the world. There are many other amazing parks to visit, too, both small and large in size, but all wonderful. Regardless of which park you decide on, you’ll inevitably spend a lot of time walking, so be sure to wear the proper footwear. Failing to wear comfortable shoes can cause blisters and possibly even bunions, in which case you’ll need to visit www.northwestsurgerycenter.com/ for information on how to cure them. If you’ve yet to experience the magical adventures of Harry Potter World or interact with Mickey himself, do yourself a favor: book a vacation to one of these exquisite amusement parks.

4 reasons why the Classmate practical book is the best lab partner

Angela Manning Education
4 reasons why the Classmate practical book is the best lab partner

Science is everywhere and science is everything. Everything we touch and feel, everything that we are, it is all science. Every particle and object in this universe are made of science and can be explained by science. Understanding the basics of science is important to survive for anyone, even someone who does not wish to get into the field of science. In schools, science is a primary subject and is given high importance, similar to mathematics.

The basics of science, which include the basics of biology, chemistry and physics teach us how to navigate through the world, what causes what and how life grows and flourishes on this planet Earth that we call our home. As kids finish grade after grade and reach secondary school, science subjects officially split into biology, physics and chemistry. And to understand these branches in a more detailed manner, children are taken to labs with a shiny new practical notebook!

Practical notebooks are special notebooks books used particularly in laboratories. They are designed to record procedures and steps of experiments performed in the name of science. For example, experiments in biology require the study of microorganisms that are mostly invisible to the naked eye, experiments in chemistry involve mixing chemicals together and learning their reactions, and experiments in physics involve understanding tools and mechanisms among other things. For all of this and more, it is important to have a high-quality practical notebook.

Classmate Practical notebook is one of the best practical notebooks to use during your school years. Here are 4 reasons why!

1. Beautiful cover design

Practical notebooks need not be serious at all. One of the best things about the Classmate Practical notebook is that it comes in adorable designs that are refreshing for the eyes. These quirky illustrations will definitely make you want to open your notebook and study! They also look amazing to carry around too!

2. Chlorine-free paper

Using safe and environment-friendly paper is important for our own skin and for the world. This Classmate Practical notebook is wound with chlorine-free paper that is soft, smooth and perfect for drawing diagrams, tables and much more.

3. Clean margins, for ruled and unruled paper

The Classmate Practical notebook is extremely well designed with clean margins and proper ruled and unruled demarcated sides. This brings order to your records and helps you make the most efficient notes ever.

4. Sewn middle

Classmate Practical notebook has its chlorine-free paper sewn in the middle. This provides free movement while turning pages and writing. The sewing is done with high quality materials and makes the notebook extremely durable.

Classmate is one of the leading stationery brands in the country. They have been at the top of the market for kids’ stationery for years and all their products are carefully designed to suit children’s needs. Classmate also manufactures other notebooks, diaries, gel pens, ball pens, pencils, stationery boxes, colour pencils, sketch pens, drawing books, graph books and geometry boxes. Classmate products usually have attractive designs that are both stylish and functional and make the school going experience a fun one for children!

The Different Moving Options And Their Benefits

Angela Manning Finance
The Different Moving Options And Their Benefits

Over the past two years, thousands of people have been renting Uhauls, vans, and planes to move from their current state to another. Why is this? Well, there are many reasons. A main reason is the Covid-19 pandemic. U.S. citizens are wanting to move from crowded cities to less populated and economically better places for themselves and for their families. Also, the cultural boom of certain cities is drawing in people from all around the nation: Austin, Nashville, and Bozeman just to name a few. Whether you want to move because of current conditions or just because you have always been thinking about it, let’s look at the most popular moving options and why to choose them.

Renting Vans and Trucks

One of the most common ways to move, renting any form of moving vehicle is always a great option. If you are moving to any of the continental states in the country, (excluding Haiwaii and Alaska) it’s almost a guarantee that you can drive there. If you want total control of your moving operation, you can have it with this choice. Getting a moving van is also one of the cheapest ways to move, with only the cost of the van being the single expense. If have you have some elbow grease and time to spare, renting a moving truck is a great choice for you. Thinking of moving even further away? Here are some top tips for moving to the United Kingdom from abroad.

Moving Sevices

On the other hand, hiring a moving company is the easiest way to move across the country. A moving service will handle nearly every aspect of a big move including packing your items, moving heavy furniture, packing the vehicle, driving said vehicle, and even unloading your belongings into your new home. Of course, this comes with a hefty cost. Hiring a moving service will run over a thousand dollars or more, depending on the distance and time involved with the move. If you have the money and want the easiest possible move for you family, think about hiring a moving service.

Private Jets

It might sound crazy, but many people have been turning to private aviation over the past couple of years for their moving needs. Less people, increased safety, more flexible restrictions, and a personal touch are some reasons as to why some choose this option. If you are curious about learning more about this excellent moving opportunity, contact access jet group, the private travel professionals, for more information.

Benefits of Implementing Master Data Management (MDM)

Angela Manning Business
Benefits of Implementing Master Data Management (MDM)

What is Master Data Management (MDM) and why is it important to you, your clients, and your business? To get technical, Master Data Management is a technological process in which important business data is linked and streamlined into a single, master data directory. “Master data” can range from medical records, phone numbers, addresses, and various business applications: to put it simply, any form of critical business data. For help implementing Master Data Management into your own organization or learning more about how it works, reach out to the experts at Amitech Solutions.

Reducing Errors

Is it beneficial to have excess, repetitive information in your multiple databases? An address, phone number, or any private client record may be included in many various data caches throughout your business’ organizational programs. This can create problems if the data are out-of-date with one another, or are clogging up too much space in your systems. Master Data Management allows business processes to operate more efficiently by reducing and simplifying the redundant or incorrect data, filing the information into a single space for users to easily find.

Saving Time

As discussed above, data scattered through the many different systems, technical programs, and business applications of your business operations can make locating an exact piece of information difficult (or near impossible) at times. Backtracking through searches and having to use a process of elimination to find data wastes time; that’s never a productive outcome. In crunch time scenarios when time is of the essence, Master Data Management helps alleviate the time lost scouring your databases for a client’s needs and helps navigate through all of the combined programs to reach the specified target of stored information.

Data Surplus

As our technological data landscape evolves and the amount of data – and humans – grows exponentially, holding and organizing this acceleration of data is becoming quite the challenge for modern businesses. These additional data storages include “cloud” storage, edge computing, and traditional databases. Master Data Management contains the tools needed to efficiently contain and organize this ever-growing surge of information without becoming overwhelmed. This data surplus dilemma will only increase in the future, so it is important to act early. Here is how the world can meet growing data demand.

Summary

In conclusion, the positive benefits of Master Data Management (MDM) are numerous. Managing, organizing, synergizing, and streamlining the master data, applications, and other various tech programs infused within your business saves time and fixes common data problems.

Can You Get a Personal Loan With a Low Credit Score?

Angela Manning Finance , ,
Can You Get a Personal Loan With a Low Credit Score?

One of the main factors that make you eligible to get approval for a personal loan is your CIBIL score. Essentially your credit score, CIBIL (Credit Information Bureau (India) Limited) generates a summary of your credit profile in the form of a numeric value to inform lenders about your financial status. Lenders gauge your ability to repay loans based on how high/low this score is.

Credit Score and a Personal Loan

A personal loan can be taken by individuals to meet any purpose, from financing medical emergencies to vacations. This is a good way to access funds, and if you have a credit score that meets your lender’s requirements, you can avail a personal loan online instantly. Funds could be in your bank within a day. Typically, banks and other lenders have a threshold credit score or CIBIL score below which a loan may not be granted. This score falls in a range of 300-900, and 600 is acceptable. It’s a good idea to check your CIBIL score  at Finserv MARKETS before you apply.

Why is a Credit Score Important?

A credit score is important (and a high one, preferably) for the following reasons:

  • It lets lenders know about your credit history/creditworthiness.
  • It establishes your relationship with lenders, such as your bank, and helps you get financial benefits like quick loan approvals/flexible tenures.
  • It helps you get fast loans with funds transferred rapidly. Furthermore, you can get online approval.
  • It aids you in availing lower interest rates.

Can You Get a Loan With Low Scores?

If you do find out that you have a low credit score, your number one priority should be to find out how to improve CIBIL score. Nonetheless, with a low score, can you still get approval? The answer is ‘yes’, albeit with conditions. These constitute the following:

  • You may get approval for lower loan amounts
  • You may have to pay high interest rates
  • You may have to display additional proof of stability of an income source
  • You may have to show collateral (like gold, property, etc.) to avail the loan

Can You Improve Credit Scores?

It’s easy to find out how to improve your CIBIL score. Consider the following:

  • Debt Repayment – You should make sure any outstanding debt is paid off before you apply for further loans.
  • Use your Fixed Deposit – In case you hold a fixed deposit, you can get a credit card against it and this improves your credit score.
  • Joint Loan – Take a personal loan with a joint holder. If that holder has a high score, it will reflect on you and you may get loan approval.
  • Timely Payments – Make timely payments on credit card bills and any EMIs you may have availed of.

Planning Ahead

Living in uncertain times has become normal, and planning ahead helps. You may need a personal loan at any point in your life, and you can easily get one if you show creditworthiness that guarantees lenders of sound financial health. Go over to Finserv MARKETS to get the best view of loan products and how to get them easily.