7 Credit Card Charges You Must Know About

7 Credit Card Charges You Must Know About

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Credit cards can be a boon when used judiciously as they entitle you to advance credit and great rewards. But if you’re careless with your card use, you could incur charges, penalties and a hefty interest rate. To ensure that you use your card smartly and not get overcharged, make sure you are aware of some crucial charges associated with credit cards. Joining or Annual Fee While many credit cards come free of cost, i.e. no joining fees and perhaps exemption from annual fee for a particular period, the ones with bigger rewards and benefits generally tend to have a joining fee. Some may waive off the joining fee for the first year but may have it from the second year. Sometimes these charges are waived off if one spends up to a threshold specified by the bank. Interest and Fin
IRCTC Train Ticket Cancellation In Case Of RAC, Wait-Listed Tickets:

IRCTC Train Ticket Cancellation In Case Of RAC, Wait-Listed Tickets:

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Are you not willing to travel on your RAC (Reservation Against Cancellation) tickets? IRCTC (Indian Railway Catering and Tourism Corporation) allows the facility of ticket cancellation through online TDR (Ticket Deposit Receipt) filing 30 minutes before the departure time, said IRCTC in a tweet posted on its official handle- @IRCTCofficial. TDR filing can also be done online in special cases when the chart is prepared but the passenger could not travel by the train he/she booked the ticket. Users can file the TDR and also track status of the refund case through tracking service provided by IRCTC, according to the official website of IRCTC- irctc.co.in. An RAC ticket is an Indian Railways ticket that ensures certainty of travel but does not guarantee a berth. Here are 5 things to know ab
How To Send Money Order Via Post Offices

How To Send Money Order Via Post Offices

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Post offices enable customers to send money orders. A money order is an order issued by the post office for the payment of a sum of money to the person in whose name the money order is sent through the agency of the post office. A 'Payee' is the person named in money order as the person to whom the money is to be paid. The advantage of sending money to someone through money order is that the money is delivered at the house or his/her place of stay, said India Post. Procedure of sending money order 1) Buy a money order form at the counter of the post office. A remitter is the person who sends the money order. 2) Fill in ink the necessary entries adding your signature or thumbs marks at the foot. A form without signature or thumb mark or incomplete in any respect will not be accepted,
AirAsia Announces New Flights, Offers Tickets From Rs. 3,555.

AirAsia Announces New Flights, Offers Tickets From Rs. 3,555.

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AirAsia has announced the introduction of direct flights from Amritsar to Kuala Lumpur at a starting one way all-inclusive price of Rs. 3,555 for the economy tickets. Under this promotional scheme, AirAsia is also offering premium flatbed flight tickets at a starting price of Rs. 9,555.  The last date to book tickets to avail AirAsia's offer is today, i.e. Sunday.  Passengers willing to avail the offer must up hurry up and book the tickets today. The direct flights from Amritsar to Kuala Lumpur are commencing from August 16, 2018. The travel period of the offer ends on October 27, mentioned AirAsia on its official website- airsasia.com. Under this offer, AirAsia is also offering connecting flights at a starting price of Rs. 5,910. AirAsia is offering flight tickets from Amritsar to Phno
10 Benefits Of PPF Account That You May Not Be Aware Of

10 Benefits Of PPF Account That You May Not Be Aware Of

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PPF or public provident fund account is one of the most popular small savings scheme. PPF account holders can invest up to Rs. 1.5 lakh in a financial year while the minimum deposit required is Rs. 500. Deposits can be made in lump-sum or in 12 instalments. PPF deposits qualify for deduction from income under Section 80C of the Income Tax Act. In terms of income tax implications, PPF accounts also qualify for EEE (exempt, exempt, exempt) tax category, which means an investor is not liable to pay tax at all three levels – investment, earning and withdrawal. Other Benefits Of PPF Account 1) Partial withdrawal from PPF account is allowed every year from 7th financial year from the year of opening account, India Post. The maximum amount allowed is limited to 50 per cent of the ba
65th National Film Awards: List of winners

65th National Film Awards: List of winners

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The 65th National Film Awards ceremony is taking place at Vigyan Bhavan, New Delhi. The winners, which were announced last month, will be gathering at the venue to be conferred with the award by President of India, Ram Nath Kovind. Late actress Sridevi was also awarded National Film Award for her stellar performance in her last movie Mom, which was also her 300th film. On her behalf, the prize will be collected by her daughters Janhvi Kapoor and Khushi Kapoor and husband Boney Kapoor. Late actor Vinod Khanna will also be conferred with Dadasaheb Phalke Award, India’s highest film honour. All the winners of National Film Awards 2018 Indira Gandhi Award For Best Debut Director:Pampally (Sinjar) Best Children's Film: Mhorkya Best Film on Environment Conservation: Irada Best Film on Soc
Watch out, Tinder, Facebook is getting into online dating

Watch out, Tinder, Facebook is getting into online dating

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Facebook wants to help people find love on its platform. At its annual developers conference, F8, on Tuesday, the company announced a new dating feature. Users can set up a dating profile with their first name, which the company said won't be visible to friends and will not appear in News Feeds. The feature is opt-in and users will not be matched with people they are already friends with, according to Facebook. Before dating, the social networking behemoth has expanded into numerous other features pioneered by other tech companies, ranging from job postings to payments and online food delivery. Although Facebook has positioned these endeavors as just adding utility for users, they've been part of a broader effort to get people spending as much time as possible on Facebook. By providin
How To Claim Tax Deductions On A Home Improvement Loan

How To Claim Tax Deductions On A Home Improvement Loan

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What if we told you that you can use a Home Loan to finance your long overdue home repair and even save taxes on it? Sounds too good to be true? Well, it isn’t. Whether you own a house or not, the matter of home repairs and maintenance is inescapable and is likely to put a strain on your finances. Tax incentives on Home Loan repayments may encourage people to buy a home but one can opt for a Home Loan for purposes other than buying a house, like construction, renovation, repairs and upgrade of a house. As is the case with Home Loans, not only does the home improvement loan take care of the money, but these loans come with an additional benefit-saving tax. In fact, you can avail a home improvement loan in case of an existing property or even a new house/flat that you purchased. Tax deduct
Aadhaar not must for mobile SIM, says government

Aadhaar not must for mobile SIM, says government

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NEW DELHI: Here’s some good news for consumers struggling to get a mobile phone SIM without an Aadhaar card. The government has issued instructions to operators to accept alternative identification documents such as driving licence, passport and voter ID card. Mobile companies have been asked to follow the instructions “immediately” so that consumers are not inconvenienced, said telecom secretary Aruna Sundararajan. The move follows a TOI report on April 27, which highlighted instances of people being denied a SIM card if they did not have Aadhaar. The Supreme Court has already clarified that Aadhaar is not mandatory for getting SIM cards until it takes a final view. “The ministry has issued instructions to all telecom companies, asking them not to deny a SIM card to any individual who
Do’s & Dont’s in case of a Cheque Bounce

Do’s & Dont’s in case of a Cheque Bounce

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Introduction: What is a cheque? A Cheque is a bill of exchange drawn upon a specified banker and is payable only on demand. Legally, the person who has issued the cheque is called as 'drawer' and the person in whose favour the cheque is issued is called as 'drawee'. The following are the essential characteristics of a cheque: It has to be in writing It has to be an unconditional order Banker has to be specified Payment should be directed to a specified person It should be payable on demand It should be for a specific sum of money Should have the signature of the drawer What is cheque bounce/dishonour of cheque? A cheque is said to be dishonoured or bounced when it is presented for payment to a bank but it is not paid because of some reason or the other. The