Tamilchandran Sellakkannu

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How Much I Need to Save for Retirement? How To Reach Retirement Savings Goal?

115 days ago

Calculating retirement savings involves aiming for 10 times your pre-retirement salary, around 80% of your pre-retirement income, factoring in additional income sources and lifestyle considerations.

Will Social Security Get a Raise in 2024? How Do I Check My Social Security?

115 days ago

Yes, Social Security will see a 3.2% raise in 2024, determined by the Consumer Price Index; this adjustment aims to counteract the impact of inflation and preserve purchasing power.

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Best HELOC Rates of January 2024

115 days ago

The best HELOC rates in January 2024 vary among lenders, with Bethpage Federal Credit Union offering fixed-rate options at 6.99%, Bank of America starting at 10.15%, and TD Bank provide low rates for loans starting at $25,000.

Fonebox Retail Limited IPO Price Details, Timeline, and Financial Status

117 days ago

The Fonebox Retail Limited IPO is priced at ₹66 to ₹70 per equity share, and it opens for subscription on January 24, 2024, with a minimum lot size of 2,000 shares.

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Cost of Living in Texas Vs California, Is Texas Cheaper Than California?

117 days ago

The cost of living in Texas is approximately 29.6% lower than in California, driven by factors such as significantly lower housing costs, no state income tax in Texas, and a generally more affordable lifestyle.

SBA Doubles Loan Limits, What is an SBA Disaster Loan?

118 days ago

SBA doubles disaster loan limits, boosting financial aid for homes to $500,000 and personal property to $100,000, while removing landscaping loan limits for more effective disaster recovery support.

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Capital One Savings Account Interest Rates and Minimum Balance

118 days ago

The current APY for Capital One's 360 Performance Savings Account is 4.35% as of January 2024, with no monthly fees and no minimum deposit required, offering flexibility and cost-effectiveness for savers.

Best Buy Credit Card Payment, How to Login Best Buy Credit Card?

120 days ago

To make a Best Buy credit card payment, you can conveniently log in to your account on the Best Buy website or use the Citi.com platform, and choose from various options such as online, in-store, phone, or mail payments, ensuring prompt and secure transactions.

How to Apply for Home Improvement Loan?

120 days ago

To apply for a home improvement loan, assess your needs, evaluate your credit, get prequalified from multiple lenders, and consider interest rates influenced by your credit profile.

How to Open a Swiss Bank Account? Can Anyone Open a Swiss Bank Account?

124 days ago

Select a Swiss bank, contact them to express your intention to open an account, specify your language preference, and obtain your account manager's contact details for future communication.

When Does Interest Start on Student Loans? How to Plan for Student Loan Repayment?

127 days ago

Interest on student loans begins accruing when borrowers miss payments, although there's a temporary on-ramp until September 30, 2024, preventing defaults.

What is Passive Income? What Are the Best Ways to Make Passive Income Ideas 2024?

127 days ago

Passive income refers to earnings generated with minimal ongoing effort, encompassing sources like rental properties, investments, and royalties, offering financial benefits while requiring less active participation.

When to Refinance a Mortgage? What Documents Do You Need to Refinance Your Mortgage?

129 days ago

Refinancing a mortgage can be a wise financial decision if you can obtain a lower interest rate, shorten the term of your mortgage, or tap into home equity to raise funds. However, refinancing can also cost you money.

How to Buy Land with No Money? How to Invest in Land?

129 days ago

Buying land with no money involves exploring options like scrutinizing listings, real estate crowdfunding, seller financing, and government schemes, while investing in land includes avenues such as raw land, residential and commercial development land allowing for diverse portfolio opportunities.

What is an Urgent Loan? How to Get An Emergency Loan?

134 days ago

An urgent loan is a swiftly approved and accessible personal financing option, unsecured and designed for immediate financial needs, offering a safer alternative with reasonable rates to address unforeseen crises.

Why is the Zero-Based Budget the Most Effective Type of Budget?

134 days ago

The Zero-Based Budget is deemed the most effective type as it mandates a comprehensive reevaluation of all expenses for each period, ensuring justification for every cost from the ground up and promoting cost optimization, transparency, and strategic decision-making.

Housing Market Crash Prediction 2024, When Will the Housing Market Crash?

135 days ago

While concerns about the 2024 housing market exist due to factors such as rising interest rates and inflation, including tighter lending standards and higher homeowner equity, make a direct comparison less likely and a widespread crash less imminent.

What Are ETFs? How Does Exchange Traded Fund Work?

135 days ago

ETFs, or exchange-traded funds, offer diversification by bundling various stocks, trade like stocks throughout the day, with lower fees and potential tax efficiency as advantages, but they come with unique risks and can be complex, especially leveraged ones.

Most Expensive States to Live In U.S

136 days ago

The most expensive states to live in the U.S. include Hawaii, California, and Alaska, with factors such as high housing costs, elevated taxes, and increased living expenses contributing to their higher overall cost of living.

Best Student Loan Refinancing Companies of January 2024

136 days ago

As of January 2024, standout student loan refinancing companies include Earnest, recognized for its overall excellence, Credible as the best refinancing marketplace, and Splash Financial offering the best rates; these rankings consider factors such as interest rates, loan terms, and maximum loan amounts.

Best Credit Score Monitoring Service for January 2024

136 days ago

For January 2024, Credit Karma Free Credit Report + Experian is the top choice for free credit monitoring, while Capital One CreditWise excels in light monitoring, and IdentityForce UltraSecure+Credit leads in cybersecurity.

Best States to Raise a Family, Which Metropolitans Are the Best for Families?

136 days ago

Massachusetts is the top state for raising a family in 2024, while Nebraska is considered the safest, and New York, despite economic challenges, remains family-friendly.

What Does Preapproved for a Credit Card Mean?

137 days ago

Being preapproved for a credit card means that a credit card issuer has assessed your credit information and determined that you meet certain approval criteria, indicating you are a potential candidate for their card.

Credit Card Refinancing vs Debt Consolidation

137 days ago

Credit card refinancing involves transferring credit card balances to a new card with a more favorable interest rate, while debt consolidation consolidates multiple debts into a single loan with a steady interest rate and monthly payment.

What is Envelope Budgeting? How Does Envelope Budgeting Work?

137 days ago

Envelope budgeting is a cash-based financial approach where individuals allocate specific amounts of money to labeled envelopes representing different spending categories, creating a tangible and visual way to manage expenses, promote financial discipline, and control discretionary spending.

What is Franchise Tax Texas? When is Texas Second Extension Due Date?

138 days ago

The Texas Franchise Tax is a fee-based system for businesses in the state, distinct from income taxes, with rates based on revenue, and it was due on May 15, 2023, while an extension for Individual Income tax returns was available until November 15, 2023.

How Long Will My Money Last in Retirement?

138 days ago

The duration of your money in retirement depends on various factors, including your withdrawal strategy, investment returns, and annual expenses, with financial experts often recommending the 4% rule as a guideline for sustainable withdrawals over approximately 30 years.

What is the Fannie Mae Homestyle? What are Fannie Mae Homestyle Renovation Loan Requirements?

138 days ago

The Fannie Mae Homestyle is a renovation mortgage that enables homebuyers to consolidate the purchase price and renovation costs into a single mortgage, providing flexibility for a wide range of renovation projects, from essential repairs to luxury upgrades.

What is a Thrift Savings Plan? Can You Get Money From Your Thrift Savings Plan?

138 days ago

The Thrift Savings Plan (TSP) is a retirement savings and investment program designed for federal employees and uniformed service members, providing them with a tax-advantaged way to save for retirement.

IBAN Vs SWIFT Code, Is IBAN Same as SWIFT?

143 days ago

IBAN is an international account identifier ensuring precise routing of funds, while SWIFT (BIC) code uniquely identifies specific banks in global transactions; IBAN focuses on individual accounts, and SWIFT code points to specific banks within the international netfwork.

What Happens if I Am Not Able to Pay My Education Loan?

143 days ago

If you are unable to pay your education loan, your debt becomes delinquent after 90 days, impacting your credit score and after 270 days, the loan enters default, leading to potential legal actions and transfer to a collection agency.

What is a Share Certificate? What is the Difference Between a Share Certificate and CD?

144 days ago

A share certificate is a digital document confirming ownership of company shares, while Certificates of Deposit (CDs) are bank-issued savings instruments with guaranteed interest rates and penalties for early withdrawal.

Average Interest Rate for Personal Loan, What Are the Average Personal Loan Interest Rates by Credit Score?

144 days ago

The average interest rate for personal loans is approximately 11.48% as of December 2023, varying based on individual credit scores and the lender's terms.

Carecredit Credit Card Login, Apply and Customer Service

144 days ago

To access your CareCredit Credit Card account, visit the CareCredit website, enter your User Name and Password, and click "Log In" for account management.

What is Financial Planning Meaning? Types and Benefits

144 days ago

Financial planning is the process of creating a structured strategy for managing money, encompassing assessing current finances, setting goals, managing risks, budgeting, debt reduction, saving, and investment.

What is Life Insurance and How Much Does Life Insurance Cost?

144 days ago

Life insurance is a contract where a person pays premiums to an insurance company, and in return, the company provides a predetermined sum (death benefit) to the person's beneficiaries upon their death.

How to Get a First Time Home Owners Loan? What Qualifies as a First-time Buyer?

144 days ago

To acquire a first-time homebuyer loan, assess eligibility, finances, and down payment, explore programs, understand mortgage insurance, seek guidance, and complete the application process for homeownership.

How to Save Money on Car Insurance?

145 days ago

To save money on car insurance, shop around, use available discounts, drive safely, assess your coverage needs, choose a cost-effective vehicle, opt for higher deductibles, improve your credit score, and consider usage-based insurance programs.

What is the Elimination Period of an Individual Disability Policy? How Long to Wait for Elimination Period Disability Benefits?

145 days ago

The elimination period in individual disability policies determines the waiting duration for benefit eligibility, with variations based on policy type and short-term policies having shorter periods, while long-term policies extend from 30 to 365 days.

Best Place to Exchange Currency, How to Exchange Currency?

145 days ago

The best place to exchange currency without incurring significant fees and unfavorable rates is your own bank or credit union, where banks typically offer competitive exchange rates and minimal fees, making them the most cost-effective option for travelers.