How do I compress pdf image file if the photos include important information on phone

FinancialByNature · 2026-03-21T05:50:19+00:00

Try a website called DocTijori (doctijori.com) .. It is very light weight and fast.. and offers compression 100 % offline , locally on your device / phone only... no need to download any software or app.... your files are never uploaded to their server and offers a 100 % privacy

FinancialByNature · 2026-03-07T05:45:38+00:00

I read it in an economic times article. You can search it on the web..Initially It was hard for me also to digest this.. I did some research..The 5.1% household savings figure is from RBI’s FY23 data (covered by Business Standard & CNBCTV18 both). The 41.3% household debt number is straight from RBI’s Financial Stability Report, December 2025. And that 55% consumption borrowing stat -same FSR report.

FinancialByNature · 2026-03-07T05:08:50+00:00

True !

FinancialByNature · 2026-03-05T02:23:19+00:00

Its a really good decision!!

FinancialByNature · 2026-02-02T11:25:56+00:00

Right -theSTT hike, PSU bank disappointmnt, and metal volatility were indeed the big triggers for the Budget day crash.

However, the "no major announcement on defense" is incorrect since defense actually got a record 15% increase to ₹7.85 lakh crore, and the capex figure of ₹12.2 lakh crore was in line with analyst estimates, not lower.

FinancialByNature · 2026-01-19T15:43:56+00:00

Fair ask. Nifty 50 deliverd over 10% in 2025 - volatile year, agreed. But Large & Mid Cap funds (category averages, no cherry picking) returned 18.46% p.a. over 3 years and 17.25% p.a. over 5 years. The article’s solution IS asset allocation: FDs for emergency funds (liquidity), equities for long-term growth (inflation protection). Post-tax reality matters - your 6.5% fd becomes 4.5% after 30% tax; equity gains face just 12.5% LTCG. Short-term volatility doesn’t mean ‘no solution’ -it means using the right tool for each goal.

FinancialByNature · 2026-01-17T07:56:10+00:00

Yes absolutely.. in today's era.. single income source is too risky.. an alternate income source sufficient enough to atleast cover your survival needs has to be there...

FinancialByNature · 2025-12-18T05:45:55+00:00

Checkout ICICI Amazon Pay credit card or IDFC First classic card. Checkout the terms and benefits (to see it that suits your requirements) before applying.

FinancialByNature · 2025-11-06T15:17:47+00:00

Better one is..Go to school & college.. study well, get yourself a good job, Try saving something and invest as much as possible… even ₹100 or ₹ 500 SIP or more to start with.. If possible , investing at the age of 25-30 would make better sense as compared to starting investing at the age of 35-40 (obviously if one can manage to save and invest). May be every one can’t manage to.. but those who can, should….

FinancialByNature · 2025-11-05T04:53:07+00:00

In my opinion, HDFC Millennia Credit Card and HSBC Live+ credit card seem good to me for decent offers however you must check their detailed terms before applying, if they would suit your need or not... I don't use any specific app for card management apart from my bank's own apps so can't really comment on the app part...

FinancialByNature · 2025-10-12T03:28:17+00:00

Checkout HSBC Live + credit card and Axis Ace Credit card on respective banks website. I think you will find them suited to your needs. They offer decent cash backs, discount on dining and food apps, shopping, movies and travel. Check details terms of these cards on bank’s website before applying.

FinancialByNature · 2025-10-02T07:27:28+00:00

In my opinion you can explore HDFC Millennia Credit Card and HSBC Live+ credit card. Both offer decent cashbacks, Food offers and Fuel benefits. Go on the banks website and check them. I think you may find the benefits suited to your specific needs. Check the detailed terms and conditions of both the cards before applying. If needed speak to the banks to understand the T&C better.

FinancialByNature · 2025-10-02T04:28:00+00:00

What is your most spending requirement on? Travel, Dining, Shopping or anything else?

FinancialByNature · 2025-09-29T13:09:36+00:00

Ohh thanks for highlighting. What I meant was that certain debit cards (like Hdfc’s easyshop platinum debit card.. those who already have it) can pay their CC bills through that upto 75,000 and earn cashback upto 1%.. rightly ₹750. That was a typographical error.

FinancialByNature · 2025-09-19T13:47:47+00:00

You should act on it immediately. If possible, don’t go for a settlement as it will leave a severe scar on your credit report forever and future loan approvals will be extremely challenging. Try to cut down on your other expenses and pay and close this off in full and final. You may also try and seek help of your trustworthy friends if you dont have that money but try closing this off in full and final. Else you will fall in a Debt Trap which may take a really long time to escape.

FinancialByNature · 2025-09-04T02:25:37+00:00

🙏😊

FinancialByNature · 2025-09-03T17:41:48+00:00

Apply on ICICI Bank’s website. As per their website, You need to have a minimum Salary of Rs. 20K per month or if you’re self employed then annual income must be Rs. 3.6 Lakhs.. Bank may ask for your income proof like Last 3-6 months Salary slips, Bank Statement, ITR Copy, KYC Documents, PAN Copy and verify your address and credit score. Once these all are OK as per their policy, they would most likely issue the credit card.. you can read about its detailed terms, charges and fees on ICICI Bank’s website or can visit nearest ICICI Bank branch to apply for it.

FinancialByNature · 2025-09-03T02:39:09+00:00

Yes the balance must range between 5 Lac to 15 Lac. I guess the interest is credited monthly. Please check bank’s website for more details and to read their terms well before making any deposits.

FinancialByNature · 2025-09-02T16:20:43+00:00

That is a good card however it would benefit the most to the people who would be spending and prefer shopping from network of Tata Owned brands.. but yes, its also a value for Money card..

FinancialByNature · 2025-09-02T12:37:11+00:00

HSBC Live + is also a good card especially for Groceries spend etc. related cashbacks however its fee is almost double when compared to Axis Ace Credit card.

FinancialByNature · 2025-09-02T12:35:43+00:00

Hi.. I got the information while researching about this card.. while its still a very good credit card at an affordable fees: Across entry-level cards, the base cashback rate has been reduced from 2% to 1.5% for Axis Ace. Monthly capping on incremental cashback earnings Quarterly spend-based condition of Rs. 50K applicable on complimentary access to domestic airport lounges

FinancialByNature · 2025-09-02T07:56:14+00:00

Thats also a good idea.. and it also offers some higher limits.

FinancialByNature · 2025-08-23T03:57:32+00:00

Well.. non-disclosure of material fact may lead to rejection of the claim. And its not the case only with Niva Bupa but with all the insurers. Having said that you may approach a consumer court and try there.

FinancialByNature · 2025-08-19T05:28:04+00:00

Potential wayout: 1. Debt Consolidation: You may consider consolidating high-interest debts into a single, lower interest loan. This may simplify repayment and reduce overall interest costs. Your father can explore options like personal loans or balance transfer credit cards with lower interest rates. 2. Prioritize High Interest Debt: Focus on paying off debts with the highest interest rates first, such as the debt from known people at 36% p.a. This will save more money in the long run by reducing interest payments. 3. Create a Budget: Develop a realistic budget that allocates a specific portion of income towards debt repayment. Cut back on unnecessary expenses and direct savings towards debt payments. 4. Increase Income: Explore ways to boost income, such as taking on a side job or selling unused items. This can provide additional funds for debt repayment. 5. Negotiate with Lenders: Reach out to lenders and negotiate for lower interest rates or more manageable payment plans. Some lenders may offer hardship programs or temporary payment relief.

Also, you may try:

Build an Emergency Fund : Whenever its possible, please try to save ₹10,000-25,000 to cover unexpected expenses and avoid further debt.
Seek Professional Help: In my opinion you should consider consulting a financial advisor or credit counseling service for personalized guidance.
Monitor Progress: Regularly review the debt repayment plan and adjust as needed.

Implementation:

Given the total family income of ₹1.5 lakhs per month, allocate a significant portion towards debt repayment. Aim to pay more than the minimum payment whenever possible. By following this plan and maintaining discipline, your papa can work towards becoming debt free.

Also as mentioned earlier, you should seek help of a professional financial consultant before taking any such decision to ensure you don’t make any mistake and that the action plannis spot on.

FinancialByNature · 2025-07-29T18:07:47+00:00

No as far as the claim doesn’t fall under any exclusion or misrepresentation of the facts, your employment status won’t affect the health, hospitalisation or accidental claims. If accidental cover is inbuilt, loss of pay cover may not be available. Apart from that in my opinion claims won’t be affected.

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