psychology behind impulse spending
Finance

The Psychology Behind Impulse Spending: Why Smart People Splurge

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Why the brain loves “buy now” How marketers tilt the field Why “good intentions” fail Even disciplined planners succumb when present bias meets high-arousal cues—the momentary value swamps future considerations, leading to time-inconsistent choices that earlier selves wouldn’t endorse. Real-time personalization makes this worse by targeting precisely when susceptibility spikes, shrinking the window for rational

what lowers your credit score
Finance

What Lowers Your Credit Score? The 10 Biggest Culprits

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The biggest score drags How long negatives last Most derogatory items remain for seven years; Chapter 7 bankruptcy can last ten years, while hard inquiries typically affect scores for up to two years with the impact fading sooner. Late-payment damage is front‑loaded—largest initially, then diminishing as new positive history accumulates over months and years. Fastest

debt avalanche vs snowball
Finance

Debt Avalanche vs Snowball: Which Is Better and When?

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Quick definitions Which is better? When to choose each A practical hybrid Start with a 60–90 day snowball to clear two or three smallest balances, then switch to avalanche to maximize savings—this can combine motivation with math without materially delaying payoff when APRs are spread out. Keep minimums on all debts, automate payments, and channel

how to read your credit report
Blog, Finance

How to Read Your Credit Report: Sections, Red Flags, and Fixes

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What a credit report includes A credit report is a detailed file of credit accounts and activity compiled by bureaus such as Experian, Equifax, and TransUnion (India: CIBIL, Equifax, Experian, CRIF Highmark), used by lenders to evaluate risk and price loans. Although layouts differ by bureau, the core sections are consistent: personal information, credit accounts,

Om Freight IPO listed at discount
IPO, News

Why Om Freight Forwarders IPO Listed at a 40% Discount: Key Reasons Explained

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What happened at listing Shares opened at ₹81.5–₹82.5 versus the ₹128–₹135 band, a 39–40% cut to issue price on NSE/BSE, far below the grey market’s near-par expectations around ₹132, signaling a late slide in sentiment and order depth. Category demand was adequate but not euphoric—overall 3.86–3.88x with NIIs ~7.39x, QIBs ~3.97x, and retail ~2.75x—leaving little

LG Electronics India IPO review
IPO, News

LG Electronics India IPO Review: Should You Apply for Listing Gains and Long-Term?

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Investment view Brokerages broadly recommend “Subscribe,” citing leadership across home appliances and consumer electronics, a vast offline network, and consistent financial momentum; grey-market premium near 24–28% implies a constructive debut setup, though GMP is unofficial and volatile. The offer is a 100% OFS by the Korean parent, so no primary cash enters the India entity;

Om Freight Forwarders IPO allotment status
IPO, News

Om Freight Forwarders IPO Allotment Today: How to Check on Bigshare, BSE, NSE; Listing on Oct 8

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Allotment status update The basis of allotment typically goes live on the registrar’s portal first; applicants should check Bigshare Services using PAN, Application Number, or DP Client ID, and expect possible “No records found” until final synchronization completes across systems. BSE and NSE IPO pages reflect the same data after backend updates, which may lag

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