India’s rapid digital lending growth has made borrowing simple but also riskier. Fraudsters now target people looking for quick loans, luring them with instant approvals, zero paperwork, and guaranteed deals. These traps are becoming more sophisticated, often disguised as real banking offers. Recognizing red flags before sharing your personal or banking details can protect you from financial loss and mental stress. Unrealistic loan promises are among the biggest traps. Scammers of

When families move from India to another country, one of the challenges parents face is keeping their child’s vaccination schedule on track. Different countries follow different immunization guidelines, and this can sometimes lead to vaccine gaps. For NRI parents, understanding how to bridge these gaps is important for ensuring their child’s health and meeting the requirements of schools, daycares, and local healthcare systems. In India, the vaccination schedule is more

For many NRI families, international travel is a regular part of life. Whether it’s visiting relatives in India, exploring new destinations, or moving between countries for work, travel brings both opportunities and responsibilities. One area that often raises questions is vaccination, especially when it comes to vaccines that are not part of the standard childhood immunization schedule. Yellow fever and a few other rare vaccines fall into this category, and understanding when they are

When it comes to raising children abroad, NRI parents often face unique challenges regarding vaccinations. One of the most common questions is whether the BCG vaccine, which protects against tuberculosis (TB), is necessary for children born outside India. Understanding the importance of this vaccine and its relevance in different countries can help parents make informed decisions. The BCG (Bacille Calmette-Guérin) vaccine is routinely given to newborns in India and many other

The human papillomavirus (HPV) vaccine has become a crucial tool in preventing HPV-related cancers, including cervical cancer, throat cancer, and other cancers caused by the virus. For Indian teens living abroad, understanding the HPV vaccine guidelines in their respective countries is important to ensure they are fully protected. Although the HPV vaccine is not a routine part of India’s vaccination schedule, it is strongly recommended for teens worldwide, particularly for those who are

For Indian families living abroad, ensuring children receive the right vaccinations is one of the most important aspects of healthcare. While India has its own immunization schedule, moving to another country often means adapting to new guidelines and adding vaccines that may not be common back home. Having a complete vaccination checklist helps parents stay organized and ensures their child is protected no matter where they grow up. The foundation of any vaccination plan starts wit

For NRI parents, ensuring their child’s health is a top priority, especially when living in a different country with new healthcare guidelines. Vaccinations play a crucial role in protecting children from preventable diseases, but the schedule and types of vaccines may vary depending on where you live. Understanding which vaccines are essential helps parents make informed decisions and ensures their children remain healthy, no matter where they are growing up. The first and mo

For Non-Resident Indians (NRIs), celebrating kids’ birthdays is a special way to stay connected to cultural roots while creating lasting memories abroad. However, with rising costs in many countries, parents often look for creative ways to make the day joyful without overspending. The good news is that birthdays don’t need to be lavish to be memorable. With some planning and thought, NRIs can host beautiful celebrations on a budget. One of the most effective ways to save

The middle class, once considered the backbone of society with steady jobs and dreams of homeownership, is now facing a critical dilemma: should they focus on looking rich or becoming rich? Shyam Achuthan, Founder and CEO, highlights the growing divide between those who focus on immediate appearances and those who prioritize long-term financial stability. According to Achuthan, many individuals today are trapped in a

Millions of borrowers with defaulted federal student loans will soon face renewed consequences as the U.S. government resumes collections. The Department of Education has confirmed that, beginning May 5, it will refer defaulted loans to the Treasury Department’s offset program. This program allows the government to garnish wages, withhold tax refunds, and seize portions of Social Security checks to collect unpaid student debt. These measures officially end the collections pause introduced

  Where you live in the United States can still strongly determine how long you live, according to a comprehensive study by researchers at Yale. Despite remarkable medical and technological advances over the last century, several U.S. states, particularly in the South, have seen almost no progress in life expectancy—especially among women. This revelation comes from an extensive analysis of death data from 179 million people born between 1900 and 2000, shedding light on how geo

A groundbreaking study has revealed that exposure to phthalates chemicals commonly used to make plastics flexible may have played a major role in over 356,000 cardiovascular-related deaths globally in 2018. The research, conducted by a team at New York University’s Grossman School of Medicine, places a spotlight on a widespread environmental health hazard linked to one of the world’s leading causes of death. According to the study, nearly 13.5% of cardiovascular deaths in ind

In a sweeping move set to impact millions of Americans, the U.S. Department of Education announced it will resume collections on approximately five million defaulted federal student loans starting May 5. This marks the first time since the pandemic-era pause that collections will be enforced, ending a five-year period of relief that shielded borrowers from wage garnishments and federal benefit offsets. The action targets borrowers who had already defaulted on their student loan

For ambitious students who aspire to work at the world’s top companies, the University of Bath School of Management offers an ideal launchpad. Known for its rigorous academics, global outlook, and real-world learning experience, this prestigious UK business school is helping students transition from the classroom to boardrooms across the globe. Graduates from the School of Management are now working with globally admired companies such as Apple, Deloitte, PwC, Samsung, Amazon, and Goldman

  Purchasing a home has become more financially demanding for potential buyers, with a new study highlighting the necessity for a household income over $100,000 in several states. According to Bankrate’s 2025 Housing Affordability Study, 30 states and Washington, D.C. now require at least this much in annual household income to afford a typical home in the area. The data further sheds light on the stark contrast between high-income regions, li

Scientists at Osaka University in Japan have developed an advanced AI model capable of estimating a person's biological age — a more accurate measure of how well the body has aged compared to their actual chronological age. This innovative method is set to revolutionize personalized health management by providing insights into age-related risks and early intervention strategies. The breakthrough, published in the journal Science Advances, reveals that the model requires just five dr

A groundbreaking study has revealed that ChatGPT, a widely used AI chatbot, can exhibit behaviors akin to "anxiety" and can be calmed using mindfulness techniques. Although artificial intelligence (AI) lacks actual emotions, researchers from Yale University, Haifa University, and the University of Zurich discovered that large language models (LLMs) like ChatGPT can mimic anxiety-like tendencies when exposed to distressing content. The findings, published in the study titled Asse

A loan against mutual funds is an effective financing option that allows investors to access funds without selling their investments. By pledging mutual fund units as collateral, individuals can secure a loan from banks or financial institutions. This method provides a practical solution for short-term financial needs while enabling investors to retain their portfolio and continue benefiting from market growth.   What is a Loan Against Mutual Funds?

A common question among newlyweds and couples planning their future is whether marriage has any effect on their credit score. The simple answer is no—getting married does not directly impact your credit score. Credit bureaus like CIBIL, Experian, and Equifax do not track or record marital status when calculating individual credit scores.However, while marriage itself doesn’t influence credit scores, the financial decisions you make as a couple can have a significant impact. When y

Choosing between a fixed and floating interest rate for a home loan is a crucial financial decision. Both options come with advantages and risks, and selecting the best one depends on your financial goals, market trends, and risk appetite. A fixed rate offers stability, while a floating rate provides flexibility and potential savings. Understanding the differences between these loan types will help you make an informed decision based on your repayment capacity and future market expectations.