Raguragavan Sreetharan

Raguragavan Sreetharan | Emergency financial situations can happen to anybody and any financial arrangement exercise is not ideal without planning for such occasions. The whole idea of having an emergency fund is to offer a cushion against any unexpected expense. This will ensure it does not have any negative impact on your financial condition and does not rip off the whole financial security. Raguragavan Sreetharan There are many circumstances which can cause a financial emergency such as a sudden illness, accident, medical emergencies, emergency house repairs, loss of a job, emergency car repairs and much more. The major reason for having an emergency fund is very clear because when a person falls into an emergency financial situation, they will have to break their savings or make a compromise to get the needed money. It’s not rare to find people who just take out their credit card and swipe it for hard cash. Opposing popular opinions, credit cards are the worst way to fund any finan...

Raguragavan Sreetharan | The ongoing COVID-19 pandemic has turned life upside-down for many Americans, and has forced many small business owners to either temporarily shutter their businesses or at the very least completely change the way in which they operate. Some small businesses have been forced to close down due to an inability to pay rent, lease payments, other bills and salaries. Others have been able to make it through the pandemic so far, but will still likely see a significant financial impact if they have not already. Even those businesses "making it," many have had to lay off employees. There are only so many expenses businesses are able to cut. It is important for owners of small to medium-sized businesses to be proactive about making the necessary adjustments to stay financially healthy and make it through the pandemic whole. Raguragavan Sreetharan | What should you do? To understand the steps you should take now as a business owner, it is important to take the ...

Ragavan Sreetharan | Whether, you are focused on, becoming, as prepared as possible, to purchase a home, of your own, or, you are concerned about any aspect, of maximizing your personal credit, in a personally, beneficial way, it’s important and essential, as well as wise, to pay keen attention, to credit – related issues, and to take, every possible step, to maximize your comfort zone, and proceed throughout life, in a far less stressful way! Having been involved in finance, and financial planning for decades, as well as a Real Estate Licensed Salesperson, in the State of New York, for approximately 15 years, I believe, most people, might benefit from, knowing, understanding, using, and taking advantage of these 5 steps, to improve your credit – worthiness. With that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, why this is an important consideration, for each of us. Ragavan Sreetharan Obtain a copy of your Credit Report:  You are entitled...

Raguragavan Sreetharan | Fixed-term deposits represent a form of investment in which a certain amount is invested at a certain interest rate and for a predetermined period. The conditions, i.e. amount, interest and investment time are contractually agreed on beforehand. After the agreed time span has elapsed, the amount invested and the interest will be paid to the customer’s reference account. That is why you refer to this type of investment as a time deposit. A condition of any fixed-term deposit contract is that you cannot access the deposit during the investment period. Raguragavan Sreetharan The interest rate on the fixed deposit depends on the situation of the interest market during the conclusion of the contract, the duration of the deposit and of course the amount invested. If the time deposit is not properly cancelled by the deadline which is specified in the contract, the provider will usually automatically renew it at the current interest rate of the previously agreed period...

Raguragavan Sreetharan | The first steps in choosing your Blog topic can be very daunting. You may already have a great idea, but not sure which angle to attack it from. Getting your subject right at the start, can be crucial to your Blogs success. Blogging should be about passion, choose a subject that you are passionate about, you will have little problem creating killer content for your Blog that gets your reader captivated and coming back for more. Time after Time. OK lets look at some ideas for choosing your Blog topic. If you get it wrong at the start, don’t worry, it’s better to find out sooner than later, change your angle and re-spark that passion. Raguragavan Sreetharan Raguragavan Sreetharan | Blog Topics: Local clubs/Events: Does your local town or city have a blog. You could start your blog around the local community, local events, blog about local businesses. Get your local sports and social clubs involved. Promote local events such as carnivals, sports days. Get the loca...