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Raguragavan Sreetharan | A banker is an employee of a bank or financial institution who services the financial needs of clients. Raguragavan Sreetharan - These clients can be individuals or institutions, both with different needs. A banker tries to maximize the profit of a bank while maintaining appropriate risk levels.

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Raguragavan Sreetharan says ball Control Soccer Drills are utilized to improve coordination and contact on the soccer ball.

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RAGURAGAVAN SREETHARAN is the main talk of the automobilist- index of work of art, He said that the company reveals the well-known circuit that is running in the world with formulas

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Raguragavan Sreetharan | When it’s time to open up a new bank account, it can seem confusing and overwhelming to learn about all the options that are available to you. Whether you’re sticking with your tried-and-true bank, or switching institutions all together, there’s a lot to learn about new accounts.

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Raguragavan Sreetharan | Planning For Emergency Financial Situations

Raguragavan Sreetharan | Emergency financial situations can happen to anybody and any financial arrangement exercise is not ideal without planning for such occasions. The whole idea of having an emergency fund is to offer a cushion against any unexpected expense.

This will ensure it does not have any negative impact on your financial condition and does not rip off the whole financial security.

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Raguragavan Sreetharan | Planning For Emergency Financial Situations

Raguragavan Sreetharan | Emergency financial situations can happen to anybody and any financial arrangement exercise is not ideal without planning for such occasions. The whole idea of having an emergency fund is to offer a cushion against any unexpected expense.

This will ensure it does not have any negative impact on your financial condition and does not rip off the whole financial security.

There are many circumstances which can cause a financial emergency such as a sudden illness, accident, medical emergencies, emergency house repairs, loss of a job, emergency car repairs and much more.

The major reason for having an emergency fund is very clear because when a person falls into an emergency financial situation, they will have to break their savings or make a compromise to get the needed money.

It’s not rare to find people who just take out their credit card and swipe it for hard cash. Opposing popular opinions, credit cards are the worst way to fund any financial emergency. The fastest way to get thousands of dollars its to get a car title loan it is not a long-term solution but a short-term solution.

In a circumstance where you’ve taken a cash advance with your credit card to get the needed money, the credit card company will charge you a cash advance fee with an interest rate. This is a very costly way to borrow and manage finances for emergency situations.

Therefore, what is the best amount that should be set aside as emergency money? There are diverse opinions on it. Some professional’s experts agree that a minimum of 3–6 months’ worth of monthly income should be set aside for an emergency situation. This amount can differ according to marital status, the size of family and lifestyle.

Everyone must reserve some extra cash in case of emergencies. But, the amount to reserve depends on your income and monthly expenses. The amount that is needed for your emergency fund is open to debate, the minimum amount should be sufficient to cover your expenses for daily living for at least 3 months. It’s also ideal to save for 6 months even though some financial advisers agree on a full year worth of cash.

These funds must be kept aside in an instrument, which is easily available when needed. It could be money in a bank account, hard cash, liquid funds or fixed deposits. This will ensure the fund is always accessible instantly or within a short period when it’s needed.

Where to Keep the Cash | Raguragavan Sreetharan

Your situations and what can offer you peace of mind are the factors that can help you determine how cautious you want to be. Keep your emergency fund somewhere that is safe and accessible because you may be required to get the cash in a hurry when an emergency arises. The best option you’ve is to open a money market account or savings account. But, always examine their offer with regards to the interest rate, minimum balance, and other terms.

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Ragavan Sreetharan | 5 Steps To Improve Your Credit

Ragavan Sreetharan | Whether, you are focused on, becoming, as prepared as possible, to purchase a home, of your own, or, you are concerned about any aspect, of maximizing your personal credit, in a personally, beneficial way, it’s important and essential, as well as wise, to pay keen attention, to credit — related issues, and to take, every possible step, to maximize your comfort zone, and proceed throughout life, in a far less stressful way!

Having been involved in finance, and financial planning for decades, as well as a Real Estate Licensed Salesperson, in the State of New York, for approximately 15 years, I believe, most people, might benefit from, knowing, understanding, using, and taking advantage of these 5 steps, to improve your credit — worthiness. With that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, why this is an important consideration, for each of us.

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Raguragavan Sreetharan | What Is Time Deposit?

Raguragavan Sreetharan | Fixed-term deposits represent a form of investment in which a certain amount is invested at a certain interest rate and for a predetermined period. The conditions, i.e. amount, interest and investment time are contractually agreed on beforehand. After the agreed time span has elapsed, the amount invested and the interest will be paid to the customer’s reference account. That is why you refer to this type of investment as a time deposit. A condition of any fixed-term deposit contract is that you cannot access the deposit during the investment period.

The interest rate on the fixed deposit depends on the situation of the interest market during the conclusion of the contract, the duration of the deposit and of course the amount invested. If the time deposit is not properly cancelled by the deadline which is specified in the contract, the provider will usually automatically renew it at the current interest rate of the previously agreed period. Before the contract is concluded, however, it can also be agreed that the sum will be transferred to a reference account after the time deposit expires. Security is what makes fixed-term deposits so attractive to investors. At the same time, this type of investment also seduces by the guaranteed amount of interest. The steady growth of the invested capital is guaranteed.

The deposit period | Raguragavan Sreetharan

The periods differ greatly from provider to provider and vary from a few months to several years. The higher the fixed duration of the fixed deposit investment, the higher will be the investment interest rate. Fixed-term deposits are particularly useful when short-term funds are available which can be Invested.

A medium-term contract should be in most cases the smartest decision for the optimal investment duration since the interest rates can change. Which means it can be profitable for you to invest the money again after the term deposit period has expired under better conditions. Depending on the interest rate of the investment and the situation of the current interest market, a period of 1 to 3 years should be considered for a fixed deposit. Your money is not tied up too long and can be reinvested if interest rates change, or of course, used and invested otherwise. Investment times that are too short usually result in a low-interest rate, which is why the profit is then comparatively low.

Raguragavan Sreetharan | What should you pay attention to when depositing fixed deposits?

Due to the vast amount of offers and the different conditions of the providers, you should definitely consider comparing the options before making a deposit. To points such as the amount of the minimum and maximum deposits, the interest rate, the term length, and possible account management fees You should pay particular attention to.

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Raguragavan Sreetharan | Tips to Improve Your CIBIL Score

Raguragavan Sreetharan | A good CIBIL score can help you in achieving many of your life goals with ease. Whether its that dream house that you have been planning or the dream vacation, you have been coveting, access to credit can ease the process substantially. A bad CIBIL score on the other hand can make access to credit very difficult. But there are ways in which you can improve your CIBIL score and achieve your goals.

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Raguragavan Sreetharan | Student Loans and Credit Scores

Raguragavan Sreetharan | Discussing family accounts as a way to build credit, it was mentioned that people starting out will usually have student loans as their first credit account, unless they obtain a car loan or credit cards tied to a family member with credit history. Student loans are a tricky area of installment credit history because they are not looked on as favorably as you would imagine.

You might think that having opened student loan accounts when you first went to college would show a history of the account, but in actuality, only when you start making your first payment will student loans count as “credit payment history.” Most student loans are in a deferred status as long as you are in school. Once you are out of school, you have one to four months before the companies begin asking you to make monthly payments that pay down the principal and interest.

Yet, when you have student loans, you have an “amount owed.” This amount owed can actually be reducing your credit scores. One the one hand, you feel that making payments should increase your scores, but then you get dinged for having a high amount owed.

So what can you reasonably do about student loan debt? Do you want to pay it off right away?

According to people like Stephen Snyder and Robert Kiyosaki, if you have student loan debt, you want to leave it as the last items you pay off. It comes down to an IRS strategy. The history of this strategy has existed since student loans became necessary for people to go to college. The minute the IRS allowed you to use your student loan interest paid as a deduction is when this strategy came into being.

Raguragavan Sreetharan | How it Works

Each month you make a payment you pay interest and a little towards your principal, when you are newly paying on the account. When you file taxes, you are asked to enter the amount in student loan interest you paid. The amount paid is a deduction. During this same period, you are paying a little of the “amount owed,” thus reducing your overall debt amount. You are also making payments, and as long as they are on time and the full monthly amount, you are helping your scores. When you get to a point in the loan, where you are barely making any interest payment at all towards the balance, pay off the debt.

Raguragavan Sreetharan | Summary

Student loans, when you first start taking them out appear on your credit report, but without any payment history. It is just an open installment account. The lack of payment history does not help your score, nor does it hurt it. The debt utilization ratio on the other hand will hurt your score a little. It is due to having this debt that makes your score a little lower than if you had no debt at all.

If this is the only debt you have, then it is also considered “little to no debt,” which also does not help when you are trying to get new loans to build your credit history.

When it comes time to make payments to the student loan companies as part of your installment agreement, you need to be on time and pay the monthly amount asked for. If possible, pay more than the monthly amount.

Paying interest helps lower your taxes owed. You want this deduction and the payment history. The deduction may be the only thing you have helping you get a tax refund. The payment history is also helping you increase your score, as the balance goes down.

Raguragavan Sreetharan | There will come a point when you are going to pay off the debt in full. Do this when the deduction on your taxes is no longer significant. The reduction of debt owed will also help at this point. The reason behind this key point lies in the other credit you have built. You should be in your 30s or 40s, with a mortgage, credit cards, and other credit that weighs more significantly on your ability to get credit. You no longer need the payment history from the student loans. In fact, given the amount of debt you might have at this point, you want to reduce the “amount owed” you have overall.

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Raguragavan Sreetharan | Student Loans and Credit Scores

Raguragavan Sreetharan | Discussing family accounts as a way to build credit, it was mentioned that people starting out will usually have student loans as their first credit account, unless they obtain a car loan or credit cards tied to a family member with credit history. Student loans are a tricky area of installment credit history because they are not looked on as favorably as you would imagine.

You might think that having opened student loan accounts when you first went to college would show a history of the account, but in actuality, only when you start making your first payment will student loans count as “credit payment history.” Most student loans are in a deferred status as long as you are in school. Once you are out of school, you have one to four months before the companies begin asking you to make monthly payments that pay down the principal and interest.

#Ragavan Sreetharan #Raguragavan Sreetharan #Student Loans #Credit Scores

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Raguragavan Sreetharan | Benefits of Financial Technology

Financial technology (also referred to as FinTech) is the use of innovative technology to deliver a wide range of financial products and services.

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Raguragavan Sreetharan | Bank Marketing Plan

Raguragavan Sreetharan | Marketing is fundamental when it comes to the success of any business. Marketing is what basically gives current customers a reason to continue doing business with you. Apart from that, marketing also creates a certain image for a business that will either draw in or repulse potential clientele. This explains why many companies invest so much when it comes to advertising. Marketing is all about portraying good self-image to the target market.

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