Monday, January 14, 2019

Indian money Reviews - Tips to Improve Your Credit Score for a Home Loan



Credit score is an important factor which helps you get a home loan sanctioned. If you want to get a home loan sanctioned, you must have a good credit report. It will help you get the home loan easily.
There are various factors that play an important role in building credit score like credit utilization ratio (CUR), payment history and clearing dues and loans. However, if you have a low credit score, these are some tips to improve your credit score:
Want to know more on credit score? We at IndianMoney.com will make it easy for you. Just give us a missed call on 022 6181 6111 to explore our unique Free Advisory Service. IndianMoney.com is not a seller of any financial products. We only provide FREE financial advice/education to ensure that you are not misguided while buying any kind of financial products
Review your credit report on a regular basis:
There are various credit portals which allow you to check credit score for free. You can check your credit score as often as you want called soft enquiries. This will help you keep track of your credit report and credit score.
By staying informed on your credit score, you can make better decisions. You can take the necessary steps that are needed to improve your credit score. You can also get errors rectified and keep the hard queries at bay by checking your credit report online. Check free credit report and credit score on IndianMoney.com.
Make timely repayments:
Paying your loan EMIs and credit card dues on time, helps create a better track record of repayments that has a positive impact on your credit score. 
Close unused accounts:
As per Indian money Review closing credit cards is not an option in case you want to improve credit score. However, closing the unused accounts won’t damage your credit score. Closing an unused bank account or credit card account will save you from incurring the annual fees and will reduce the risk of fraud on these accounts.
Fix Your Credit Utilization Ratio:
Credit utilization ratio is a key factor in determining your credit score. Generally, a good credit utilization ratio must be less than 30%. That means you're using less than 30% of the total credit available to you.
IF you want to post a review on any company you can post it on Indianmoney.com review and complaint portal IamCheated.com.
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Tuesday, January 8, 2019

Reasons Why You Should Buy Term Life Insurance Plan - Indian Money Review


Purchasing a term life insurance plan is the best way to ensure high cover for your family at a low cost. A term insurance policy gives the buyer an option to modify or customize policy features and benefits to suit personal requirements. You have a number of options to choose from.
It’s best to avail term life insurance at young age. Once you have a good job and stable income, you can avail a term insurance policy as it provides your family with security and financial stability in your absence. If you have dependents, don’t forget term life insurance.
Want to know more on Term Life Insurance? IndianMoney.com will make it easy for you. Just give us a missed call on 022 6181 6111 to explore our unique Free Advisory Service. IndianMoney.com is not a seller of any financial products.
Reasons Why You Should Buy Term Life Insurance Plan
Outlined below are the top 7 reasons why you must consider buying a term insurance plan:
Affordable premiums: A term insurance plan is affordable and conveniently fits your budget. These plans provide life cover for a defined period and are designed to secure family needs in case of an untimely demise. The policy holder can pay a monthly or yearly premium as per affordability and budget.
Duration of the policy: the term insurance plans are long term policies, where an individual can opt for policy cover up to 40 years. The duration of your financial commitment determines the tenure of the term insurance policy. The term insurance policies are generally sold with terms ranging from 5 to 40 years. However, the term also depends on the age of entry of the policy holder. The sooner you start, the longer you get to enjoy the cover.
Premiums are low: the term insurance plans can be availed for a nominal monthly or yearly premium.
Offer rider benefits: a term insurance rider is an additional benefit that provides the insured with supplementary coverage along with the already existing benefits on the term insurance policy. Some insurers provide rider benefits for critical illness or the accidental death benefit. The rider benefits can be purchased at an extra cost. A buyer can modify their already existing policies by adding these riders that offer coverage for all possible life risks.
Tax savings:  a person availing term life insurance policy can also get tax exemptions on the premiums paid. The term insurance plan is an efficient tax saving instrument. Section 80C of the income tax act allows a tax exemption of up to Rs 1.5 Lakh a year. Apart from tax savings on premium, the death benefit is tax free under Section 10(10d) of the income tax act.
Provides financial stability to your family: Availing term insurance policy makes sure you secure finances of your family on an untimely demise. It helps your family stay on track in case of any eventuality and helps settle debts and loans in the event of premature death of the breadwinner. The term insurance plans are easy to comprehend and offer substantial life cover at low costs. The nominee is entitled to receive the death benefit in case the policy holder expires within the term of the plan.
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Monday, January 7, 2019

How to Handle Customer Complaints a Review by Indian Money


Complaints against brands are very common and happen each day. Complaints are usually posted by customers who are not happy with the products or services offered by the company. Even though companies try hard to reduce consumer complaints and keep customers happy, sometimes things are out of their control.
Customers are the stakeholders of a business, so it’s very important to keep them happy. If a company has a lot of unhappy customers, it has a negative effect on the business. If a customer is unhappy with the services or the products, they will not keep quiet and propagate this to the whole World. If a business keeps customers happy, this is free marketing for them.
So when a company receives a customer complaint, they should consider it as constructive feedback and handle it with the right attitude. Unfortunately, many businesses think handling customer complaints is a frustrating process and tend to ignore them. Doing so has a negative impact on the business.
1. Product-Specific complaints
These complaints are regarding the products sold by the business. A consumer might receive a product which is not in proper working condition. Businesses can resolve these complaints by fixing the product or replacing them with a new product.
2.  Wrong delivery
This happens in the case of online shopping. As many people shop online, chances of wrong product delivery increase. These complaints can be resolved by replacing the product delivered.
3. Misunderstanding
Customers may post complaints against Companies due to a misunderstanding. Companies can reduce such misunderstanding by hiring a knowledgeable customer care.
How to Handle Customer Complaints?
Whenever companies receive consumer complaints, they should ask consumers to be part of the solution, and should not view them as part of the problem. We will now discuss how companies can handle consumer complaints effectively.
React to the complaint immediately
If companies receive complaints from customers, they must respond immediately. Complaints can be received via social media, mobile, email or through a complaints portal. If complaints can't be resolved immediately, customers must be kept informed that the issue is being looked into and will be resolved soon.
Be calm and handle the issue
In most cases, customers who post complaints would be angry and speak to customers care executives, rudely. The customers care executives must never lose their cool and listen patiently to the complainant. Yelling back at the customers will not help.
Collect the required details
Once the customer is done vis-a-vis concerns, the customer care executive should collect all the necessary details and understand what the issue is. He must build a rapport with the customer.
Resolve the issue as soon as possible
After the requisite information is collected, the company must take the necessary steps to resolve the issue as soon as possible. If the complaint is resolved quickly, the customer will be happy and will come back again and again.
If you take a lot of time to resolve complaints, the customer will be frustrated and there are high chances of switching to competitors.
Have a complaint against any company? IndianMoney.com complaints portal Iamcheated.com can help you resolve the issue. Just visit Iamcheated.com and lodge your complaint.
If you want to post a review on any company you can post it on Indianmoney.com review and complaint portal IamCheated.com.
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Thursday, January 3, 2019

Indian Money - Why should you Review your Health Insurance Policy Every Year



If you are not satisfied with the customer care support of your current insurer, then you might want to review your health cover and change to a new insurer. You can also opt to review Health insurance policy, when income increases and you want to upgrade an existing policy.
Want to know more on health insurance? We at IndianMoney.com will make it easy for you. Just give us a missed call on 022 6181 6111 to explore our unique Free Advisory Service. IndianMoney.com is not a seller of any financial products.
Why should you Review your Health Insurance Policy Every Year
Importance of health insurance policy:
Buying a health insurance policy is important for plenty of reasons. A health insurance offers cover against various ailments or diseases. It helps people stay prepped up for various health problems that might arise in life. Outlined below are some important points on health insurance policy:
It helps an individual stay confident and better prepared for the future.
Helps in bearing the cost of hospitalization.
The insured can opt for treatment at the best of hospitals, without a care on medical costs.
Can enjoy tax benefits
When should you review health cover?
If you are not satisfied with the customer care support of your current insurer, then you might want to review your health cover and change to a new insurer.
You can also opt to review health insurance policy, when income increases and you want to upgrade an existing policy. With a hike in your salary, you might want a greater sum assured and larger policy coverage.
You might want to re-evaluate the health insurance policy, when you are expecting a child and want to take care of all the pre-natal and post-natal expenses.
You can also opt to review your health insurance policy, once before retirement. You can change your existing policy to a senior citizen plan and stay insured for a lifetime to enjoy a stress free retirement.  
Read Indian Money Review before purchasing any health insurance policy:
IndianMoney.com reviews not only guide you on buying a good health insurance plan, but also point out the importance of having a health insurance policy. A health insurance policy not only saves your family from a financial debacle in times of a medical emergency, but also helps you avail cashless treatment at leading hospitals. It is important to do your research before finalizing a health insurance policy. Make sure you buy a policy that caters to needs. Make sure you choose a reputed insurer with high claim settlement ratio. Compare different policies online and get a quote. Make sure the monthly premium fits your budget. 
Have a complaint against any company? IndianMoney.com complaint portal Iamcheated.com can help you resolve the issue.
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Thursday, December 27, 2018

Indian Money Review - how to buy the right term insurance plan


What is term insurance Plan?
In simple words a term insurance plan is a form of life cover that provides coverage against a specific set of risks for a defined period of time. The term insurance plan aims to provide coverage to secure family needs of the policy holder in case of a sudden demise. In this type of policy, there is no saving component like an endowment policy. An individual can opt for a term insurance policy as the premiums are very affordable compared to other life insurance policies.

Want to know more on Term Life Insurance? IndianMoney.com Review will make it easy for you. Just give us a missed call on 022 6181 6111 to explore our unique Free Advisory Service. IndianMoney.com is not a seller of any financial products. 
Types of term insurance plans:
term insurance policy is a traditional form of life cover that can be availed for a fixed term. Almost all major insurers offer term plans at affordable rates. A number of insurers offer policyholders a choice when it comes to the type of plan they wish to avail. Policyholders can choose between single or joint life plans, depending on their need.
Regular term insurance plans: this is a term insurance plan where the insured gets coverage against various risks in return for a premium. The premium that needs to be paid is pre-decided by the insurance company and the policy holder. This is the most basic form of life cover that comes with lower premiums and higher returns. These plans do not offer any benefit after maturity.
Group term insurance plans: Group insurance policies are life cover that is made to suit the needs of an organization, companies, society or an association. The group insurance plans offer similar benefits as individual term insurance plans; the difference is that it covers a group of individuals in an organization rather than a single person.
Term return of premium plans (TROP): This a term insurance policy that refunds the money paid for the cover, in case the policy holder survives the term of the policy. This type of policy also allows the policy holder to add riders to existing plans to increase coverage.
Joint term plans: joint term plans are the policies where the policy covers more than a single person. These schemes can be availed by individuals for the inclusion of spouse under a single policy. This scheme offers financial protection to families with dependent children and helps maintain financial stability in case of demise of any one or both the insured members.
Convertible term insurance plans: as the name suggests, a convertible term plan provides an option to the policy holder to convert the term plan into endowment or a whole life assurance plan. This is savings with insurance. Consequently, convertible term policies are more expensive than other term plans and have higher premiums.
Have a complaint against any company? IndianMoney complaint portal Iamcheated.com can help you resolve the issue. If you want to post a review on any company you can post it on Indianmoney.com review and complaint portal IamCheated.com
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Wednesday, December 19, 2018

IndianMoney Reviews Filing Complaint against Builder in Consumer Forum



There are plenty of complaints against builders and developers. Non delivery of possession certificate is one of the biggest complaints against builders. Poor quality construction, leakage in ceiling, low quality electric wiring, improper drainage system, and delay in handing over the apartment are some of the other complaints.
They are plenty of ways builders can cheat you. A common unfair practice is insertion of a penalty clause which favors builders. All rules and penalties are for customers and none for builders. A buyer could be charged a penalty of 18% on delayed payments when buying an apartment. The builder clause has a penalty of just 1-2% for the builder in case of late delivery.
What to learn on residential land and residential apartments? We at IndianMoney.com will make it easy for you. Just give us a missed call on 022 6181 6111 to explore our unique Free Advisory Service. IndianMoney.com is not a seller of any financial products. We only provide FREE financial advice/education to ensure that you are not misguided while buying any kind of financial products.
Indian Money Reviews Filing Complaint against Builder In Consumer Forum
The Real Estate Regulatory Authority (RERA) Act, 2016, is a boon to buyers of residential apartments. For buyers it gets better and better. Consumer Courts and Consumer Forum’s look into customer grievances even if the real estate purchase is less than a Crore. You enjoy protection under the Consumer Protection Act, 1986, even for real estate projects.
Steps to file complaints In Consumer Court:
STEP 1:
Before filing a complaint with consumer court, send a notice to the builder. This may be because of deficiency in service or any unfair practices. You are giving the builder a chance to rectify the error by giving you compensation. If the builder doesn’t care about the notice, approach the consumer court.
STEP 2:
Submit a formal complaint under Consumer Protection Act, 1986The complaint form must have all facts (this is necessary to take action), and must be submitted to the commission.
File the complaint in the district forum where the office of profit (area where the real estate project is located) is under the jurisdiction. Make sure details of the complaint and the faulty party are included. Specify compensation costs and relief amounts sought in the complaint. Sign at the bottom of the complaint.
If you want to post a review on any company you can post it on Indianmoney.com review and complaint portal IamCheated.com.
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Monday, December 17, 2018

Indian money Review - Why You Need a Term Insurance Plan


What is Term Insurance Plan?
Term insurance plan is a basic risk protection plan. It is a term contract between the insured and the insurer. The insured avails the policy by paying premiums on a monthly or annual basis. Sum assured is paid to nominees if policy holder dies within the term of the plan.  An insured would spend a small portion of his/her annual income to avail a term life insurance plan. Term insurance would financially benefit the family, if the insured meets an untimely end. Term life insurance has no survival benefits.

How to avail a term insurance plan?
You can avail a term insurance plan either online or offline through life insurance agents. Availing online term insurance may be 30-40% cheaper than offline plans.
Want to know more on term life insurance? We at IndianMoney.com will make it easy for you. Just give us a missed call on 022 6181 6111 to explore our unique Free Advisory Service. IndianMoney.com is not a seller of any financial products.
Need Term Insurance Plan
How does term insurance help the beneficiary?
Best Term insurance comes as a boon when there is a home loan/property loan against your name. The loan can be repaid and children can continue their education. Term insurance is about providing financial protection to your family. Term insurance is a necessity if you are the only breadwinner of your family. Term life insurance could save family from a financial crisis on an unexpected demise. It is a smart move to avail a term life insurance plan.
Term Insurance Policies: Make Necessary Disclosures
If you are a smoker/drinker, you need to clearly mention this in the insurance proposal form. Your application would still be accepted, it’s just that you would be charged a slightly higher premium. This is because the risk borne by the insurer is high. Claims could be rejected if the insurer finds you were a smoker/drinker and you didn’t disclose this.
What is contestability?
Contestability is the time period after which the insurer cannot decline insurance for any reason. Insurer cannot claim that you hid medical condition or smoking/drinking habits to deny claims for any reason after the contestability period. You need to read this clause thoroughly before signing up for a term insurance policy.
Have a complaint against any company? IndianMoney complaint portal IamCheated.com can help resolve the issue. Just visit IamCheated.com and post your complaint. If you want to post a review on any company you can post it on Indian Money review and complaint portal IamCheated.com.
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