Personal loans offer more flexibility in usage but may come with higher interest rates and shorter repayment terms. It is important for individuals to evaluate their needs, financial situation, and future goals before deciding between the two loan options.
Besides wrong selection of ITR form, many professionals claim deductions they are ineligible for.
Whether you're a young professional, a seasoned entrepreneur, or someone simply looking to take control of your financial future, adopting these principles can be life-changing, says Ramalingam Kalirajan
So far, over 30 people have died across Northeastern states due to heavy rainfalls, floods and landslides, according to media reports.
England tested him like no other place - from exposing his raw edges in 2014 to witnessing his peak in 2018, and finally revealing his human side in 2021.
rediffGURU Dr Upneet Kaur offers advice on how to identify red flags before committing to a marriage.
The Supreme Court of India has reserved its interim orders on three key issues related to the Waqf (Amendment) Act, 2025, including the power to denotify waqf properties, the composition of waqf boards, and the provision regarding government land. The court heard arguments from both the petitioners, who challenged the validity of the amended law, and the Centre, which defended the Act as a secular concept. The petitioners sought interim orders to prevent the implementation of certain provisions while the court considers the legal challenges.
The way others treat you does not define your worth, counsels rediffGURU Kanchan Rai, founder of Let Us Talk Foundation.
Tax evaders, BEWARE! The Income Tax department is using AI data analytics to bust fake deductions, flag HRA fraud, and trace digital footprints.
'Go for a base cover of Rs 10 lakh and then buy a super top-up of Rs 90 lakh.'
If your husband isn't willing to stand by you during a temporary phase of physical distance while you pursue something valuable, then you're not the one breaking the marriage; he is, says rediffGURU Kanchan Rai, founder, Let Us Talk Foundation.
Olympic medallists Manu Bhaker and Mirabai Chanu have joined Prime Minister Narendra Modi's initiative to combat obesity, emphasizing the importance of healthy lifestyle choices.
Trump may temper his approach from time to time, but to think that he will change his basic philosophy is delusional, asserts T T Ram Mohan.
'Tax rate and stock markets are entirely two different things.'
'These characters have huge spirits and they are fighting something that is much bigger than them.' 'The attempt was to portray how they navigate their lives, to retain that spirit and not let it die.'
Crorepatis build wealth through disciplined saving, smart investing, and strategic risk-taking, proving that true financial freedom is earned, not inherited, says Ramalingam Kalirajan
Reserve Bank of India (RBI) Governor Sanjay Malhotra on Wednesday said regulations should not create unintended barriers to financial inclusion while emphasising that the impact of regulations on individuals and businesses should be considered.
'That refresh programme -- because they are big aircraft and we cannot ground them all at the same time -- will last well into 2027.'
'When you start talking about the sport, it's not that you are targeting anyone specific.' 'Everyone has an opinion. You need to have an opinion -- that's why you're in the commentary box.'
Families will not be accompanying the Indian cricket players heading to Dubai on February 15 for the ICC Champions Trophy as the BCCI's new travel policy comes into effect for the first time with this tournament.
Successive elections since 2019 have proved that the Modi charisma and Shah's strategy does not work in Tamil Nadu. Now, they have to see next year if the DMK is capable of losing, whether to an existing NDA alliance or an expanded version, if one becomes necessary and possible!, explains N Sathiya Moorthy.
While acknowledging that they needed strong allies for a chance in the assembly polls, AIADMK cadres seemingly prefer actor-politician Vijay's Tamilaga Vettri Kazhagam to the BJP, owing to the latter's 'communal agenda' and consequent hardline Hindutva image, explains N Sathiya Moorthy.
Investing is not just about setting aside money -- it's about making it work for you, says Ramalingam Kalirajan.
Delhi Police have identified 175 people as suspected illegal Bangladeshi immigrants during a 12-hour verification drive in outer Delhi. The drive, which began on Saturday, is part of a broader initiative to identify and repatriate individuals living in the national capital without valid legal documents. The police are conducting door-to-door checks and scrutinizing documents to authenticate identities. They are also coordinating with local police in Bangladesh to verify information. The verification drives follow a directive from the Delhi LG Secretariat to launch a two-month special drive to identify and take strict action against illegal Bangladeshi immigrants residing in the city.
The unspoken subject of Mithya is violence, and the big zinger here is our recognition that the movie is showing us the makings of a juvenile delinquent -- perhaps the finest since Truffaut unleashed his Antoine Doinel, applauds Sreehari Nair.
Showing interest, praising you mother-in-law and actually learning a dish or two the way she makes it isn't going to hurt you or put a dent in your work life, advises rediffGURU Anu Krishna, advises rediffGURU Anu Krishna.
While IITs have a reputation of their own, companies like Google, Microsoft, Amazon and Adobe prefer IIITs over most NITs for software roles due to their specialised training, says rediffGURU Mayank Chandel.
Love isn't what has been marketed to us all through our lives. It is not grand gestures or some big bang waiting to happen; it is an appreciation of what we have and often overlook, notes Aarti David.
When addressing issues, it's crucial to focus on specific behaviours rather than personal characteristics to maintain objectivity and reduce personal offence, suggests Sonica Aron, founder, Marching Sheep.
Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual fund and personal finance-related questions.
'Parents are forced to provide their children to Russian re-education camps in occupied territories and in different parts of Russia, for example, in Chechnya, where Ukrainian children wearing military uniform are taught to use weapons.'
New Zealand coach Gary Stead believes that Kane Williamson's ability to counter India's spin attack will be crucial in the Champions Trophy final.
'Making sure that you're getting enough sleep, that your weight is maintained correctly and you exercise regularly.'
'The earlier a child is given a smartphone, the worst it becomes when they are 17, 18.' 'Every year you delay in giving a smartphone to child, the outcome becomes better.' 'The behavioural changes that are very specific to smartphones are aggression and anger.'
Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual fund and personal finance-related questions.
What does this mean for you? Ramalingam Kalirajan explains.
'Jaat is not just a community, an agent, or an individual; it's an emotion.'
'Understand your financial goals. Next, categorise them by size. Then evaluate your investment options.'
'There's a misconception that all Rs 1 lakh crore will be spent immediately, leading to higher consumption of FMCG goods, travel, and vehicle purchases.' 'While some of this money will go toward consumption, not all of it will.' 'The impact depends on where people deploy their savings.'
rediffGURU Vipul Bhavsar answers readers' personal income tax queries.
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