Online Trading Platforms Review

Top 10 Best Online Stock Trading Software Platforms Review 2020 India

Top 10 Best Online Stock Trading Software Platforms Review 2020 India from


Online trading has become increasingly popular in recent years, allowing individuals to buy and sell stocks, currencies, and other financial instruments from the comfort of their own homes. With so many online trading platforms available, it can be challenging to decide which one to use. In this article, we will review some of the top online trading platforms in 2023 to help you make an informed decision.

1. Platform A


Platform A offers a user-friendly interface, making it ideal for beginners. It provides access to a wide range of financial markets, including stocks, commodities, and cryptocurrencies. The platform also offers real-time market data, advanced charting tools, and customizable watchlists.


One of the main advantages of Platform A is its low fees, making it cost-effective for frequent traders. It also offers a mobile app, allowing users to trade on the go. Additionally, Platform A provides excellent customer support, with responsive representatives available via phone, email, and live chat.


One drawback of Platform A is the limited educational resources, which may not be suitable for those new to trading. The platform also has a smaller selection of available assets compared to some of its competitors.

2. Platform B


Platform B is known for its advanced trading tools and features. It offers a wide range of order types, including market, limit, and stop orders. The platform also provides access to technical analysis tools, allowing traders to make informed decisions based on chart patterns and indicators.


Platform B offers a comprehensive educational section, with tutorials, webinars, and articles to help users improve their trading skills. It also has a social trading feature, allowing users to follow and copy the trades of successful traders. Platform B is available in multiple languages, making it suitable for international users.


One downside of Platform B is its higher fees compared to some other platforms. It may not be the best choice for beginners due to its complex interface and advanced features.

3. Platform C


Platform C is a popular choice for active traders. It offers advanced charting capabilities, including multiple time frames and technical indicators. The platform also provides access to real-time news and market analysis, helping traders stay informed about market trends.


Platform C offers a wide range of order types, including trailing stops and conditional orders, allowing traders to implement complex trading strategies. It also provides a demo account, allowing users to practice trading without risking real money. Platform C has a strong reputation for reliability and security.


One drawback of Platform C is the lack of a mobile app, limiting trading options for those who prefer to trade on their smartphones. The platform may also be overwhelming for beginners due to its advanced features and customization options.


Choosing the right online trading platform is crucial for success in the financial markets. The three platforms reviewed in this article, Platform A, Platform B, and Platform C, each have their own unique features and advantages. Consider your trading goals, experience level, and preferences before selecting the platform that best suits your needs. Remember to also consider factors such as fees, customer support, and available assets. Happy trading!

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Credit Card Balance Transfer Offers

Westpac Altitude Platinum Credit Card 0 for 24 Month Balance



In the ever-evolving world of personal finance, credit card balance transfer offers have become a popular way for individuals to manage their debts and save money. These offers allow you to transfer your existing credit card balance to a new card with a lower interest rate or even a 0% introductory APR. In this article, we will explore the benefits of balance transfer offers, discuss how they work, and provide tips for making the most of these offers in 2023.

Understanding Balance Transfer Offers

A balance transfer offer involves moving your existing credit card debt to a new card, often with a lower interest rate. This can help you save money on interest payments and potentially pay off your debt faster. Balance transfer offers typically come with a promotional period during which you enjoy a reduced or 0% APR. However, it is important to note that these offers may have certain terms and conditions, such as a transfer fee or a time limit for the promotional rate.

Benefits of Balance Transfer Offers

There are several advantages to taking advantage of balance transfer offers:

1. Lower Interest Rates: By transferring your balance to a card with a lower interest rate, you can reduce the amount of interest you pay each month.

2. Debt Consolidation: If you have multiple credit cards with outstanding balances, a balance transfer offer allows you to consolidate your debts into one card, making it easier to manage your finances.

3. Savings on Interest Payments: With a 0% introductory APR, you can save a significant amount on interest payments, especially if you are able to pay off the balance within the promotional period.

Choosing the Right Balance Transfer Offer

When selecting a balance transfer offer in 2023, it is essential to consider the following factors:

1. Transfer Fee: Some balance transfer offers come with a fee, typically a percentage of the transferred amount. Consider whether the fee outweighs the potential interest savings.

2. Promotional Period: Check the length of the promotional period and ensure it gives you enough time to pay off your balance without incurring interest charges.

3. Regular APR: Once the promotional period ends, the card will revert to a regular interest rate. Compare the regular APRs of different offers to choose the most favorable option.

Tips for Maximizing Balance Transfer Offers

To make the most of your balance transfer offer, consider the following strategies:

1. Pay Attention to the Fine Print: Read the terms and conditions carefully to understand any fees, restrictions, or limitations that may apply.

2. Create a Repayment Plan: Develop a realistic plan to pay off your balance within the promotional period. Set a budget and make regular payments to avoid any surprises when the promotional rate ends.

3. Avoid New Purchases: While your transferred balance may enjoy a promotional rate, any new purchases on the card may accrue interest immediately. Focus on paying off the transferred balance before making new charges.


Credit card balance transfer offers can be a valuable tool for managing debt and saving money. By understanding how these offers work and considering the factors mentioned above, you can choose the right offer for your financial situation in 2023. Remember to read the fine print, create a repayment plan, and avoid new purchases to make the most of your balance transfer offer. With careful planning and discipline, you can take control of your finances and work towards a debt-free future.

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Health Insurance Coverage Options

Insurance For Undergraduates What Are You Covered For?

Understanding the Importance of Health Insurance

Health insurance is a vital aspect of personal financial planning. It provides coverage for medical expenses and helps individuals and families manage healthcare costs. With the rising cost of medical treatments, having health insurance is essential to protect yourself and your loved ones from unexpected healthcare expenses.

Types of Health Insurance Coverage

There are several types of health insurance coverage options available in the market. Understanding these options can help you make an informed decision about the type of coverage that suits your needs.

1. Employer-Sponsored Health Insurance

Many individuals receive health insurance coverage through their employers. Employer-sponsored health insurance plans often offer comprehensive coverage at a subsidized cost, making it a popular choice for many people.

2. Individual Health Insurance

If you don’t have access to employer-sponsored health insurance or are self-employed, you can purchase individual health insurance plans. These plans are available through private insurance companies and offer a range of coverage options.

3. Medicaid and Medicare

Medicaid and Medicare are government-funded health insurance programs that provide coverage to specific groups of individuals. Medicaid is designed for low-income individuals and families, while Medicare is primarily for people aged 65 and older.

4. Health Savings Accounts (HSAs)

Health Savings Accounts (HSAs) are another option for health insurance coverage. HSAs allow individuals to save money for medical expenses on a tax-free basis. These accounts are paired with high-deductible health insurance plans and offer flexibility in managing healthcare costs.

5. Catastrophic Health Insurance

Catastrophic health insurance is designed to provide coverage for major medical expenses. It typically has lower monthly premiums but higher deductibles, making it suitable for individuals who are generally healthy and don’t require frequent medical care.

Choosing the Right Health Insurance Coverage

When selecting health insurance coverage, it’s essential to consider your specific healthcare needs, budget, and preferences. Here are a few factors to keep in mind:

1. Coverage and Benefits

Review the coverage details and benefits offered by different plans. Consider your medical history, existing conditions, and anticipated healthcare needs to ensure the coverage meets your requirements.

2. Network of Providers

Check if the health insurance plan has a network of healthcare providers that you prefer or if it allows you to see specialists without referrals.

3. Cost and Affordability

Compare the premiums, deductibles, and co-pays of different plans to find an option that fits your budget. Don’t forget to consider the total cost of coverage, including out-of-pocket expenses.

4. Additional Services and Programs

Some health insurance plans offer additional services like telemedicine, wellness programs, or prescription drug coverage. Evaluate these extras to determine their value and relevance to your healthcare needs.


Health insurance coverage is essential for protecting yourself and your family from unexpected medical expenses. Understanding the available options and choosing the right coverage based on your needs, budget, and preferences is crucial. Take the time to research and compare different plans to make an informed decision that provides peace of mind and financial security.

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Bad Credit – How Bad is Bad? Part 1

You have been told you have bad credit, but what does that
Most people think it’s, ‘I won’t be able to get a mortgage,
car loan, credit card or bank account for the foreseeable
future’. But bad credit doesn’t have to mean the end to
your financial future; there are many companies and lenders
that will take on people who have had credit problems and
without taking all your income in payment.If you have been made bankrupt, had property repossessed
or defaulted on a loan there will be someone who is
prepared to consider you for credit.
What you have to understand is the mainstream lenders will
not be offering you credit at the normal rate, you will
have to use specialist lenders who are used to assessing
bad credit and offering a suitable product to fit your
circumstances.Having said that many people atomically think they have a
worst credit history than is actually the case and that it
is not worth talking to the mainstream lenders. In the past
this was probably the case but in the last 5 years many
‘ordinary’ lenders are prepared to take on borrows who have
had only minor credit problems so it’s worth asking!WARNING – If you are searching around for new credit after
having bad credit, do not let the lenders do multiple
credit searches. If you have lots of new credit searches
done your credit report will show these and it can affect
your credit score making the situation worst.
What you need to ask for is a quotation based on your
credit history and not a search.For more details of ‘footprints’ left by credit search see
my other article;
‘How to understand you credit report or Credit repair – a
step by step guide’.If your bad credit history is not too serious many brokers
and lenders operate a cascading system to find the product
to fit your credit history without going straight to a high
charging product from the start.
The way the cascading system works is the lender will try
and get your bad credit history to fit there main product
and then move down through their adverse credit products
until their product fits your credit circumstances. This is
especially good for mortgage products as it saves having to
pay more for your mortgage than necessary.Who ever you get to provide you with a bad credit loan you
will almost certainly have to pay a higher rate than you
would with a standard credit history. This is to be
expected as lenders always assess people for the level of
risk of the loan not being repaid. This is what they use
your credit report for and what gives you the ‘bad credit’
For more details see; ‘Credit Report – Your most valuable
financial asset’Lenders also base their rates on whether the bad credit
loan will be ‘secured or unsecured’. If the loan is secured
they will require you have an asset that they have a charge
over which they can use to sell and repay the loan if you
default. Typically the asset would be property but it
doesn’t always have to be.
Unsecured means you have no asset that can be used to
offset the loan if you default and so tend to have higher
interest rates reflected by the higher risk to the lender.
Sometimes you can have a guarantor for the loan which
reduces the lenders risk and so means lower interest rates
A guarantor is someone who agrees to cover your loan and
would become liable if you were to default on the loan
agreement. Family members can often be used as guarantors.When agreeing to new credit don’t just take the first
offer you’re given as lenders are more flexible on bad
credit than they ever use to be.
You need to be checking what interest rate you are being
charged and for how long the rate will apply. Also be
careful of any conditions applied to the credit loan i.e.
what happens if you want to pay extra off the loan or get
out. Check the charge for setting up the loan as this is
often added to the loan so tends to get glossed over but
you still have to end up paying it back.One reason for checking the get out clause for the loan
is because as you repay your new loan and hopefully
everything goes well and you maintain the payments as
agreed, you are rebuilding your credit history. After a
couple of years you may well be able to apply for a new
loan using your improved credit score to a lender that
would not charge such a high rate of interest. You would
then be able to pay off the old loan which is charging a
high rate of interest and move it to the new lender at a
new lower rate. This will then reduce your monthly
outgoings on payments. This may not be financially viable
if your existing loan has high redemption penalties if you
pay it off early, so check first.You have bad credit but why? There are a number of reasons
and I have already highlighted the main reasons, bankruptcy,
repossession, defaults etc but to a lot of people bad
credit come as a surprise. The first they know about a
credit problem is when they try and get new credit and are
A number of small things can add up to you having a bad
credit history;Your debt to loan ratio – this may be high due to you
borrowing at or near the credit limit agreed for the
account. Lenders look at this and may feel you are
A credit problem has wrongly been entered on your credit
report -you need to check your credit report for accuracy.
Your employment history – if you are new in a job on
temporary contract or self employed lenders may feel that
you may loose your income and not be able to repay the
How recent loans have been handled tends to be more
important than older problems. If you have had no credit
problems in the past but suddenly there have been missed
payments this can have a major effect on your credit
Not being registered at your current address – if you
have recently moved or move around a lot and the lender
cannot trace you to a known address they will be reluctant
to lend. Make sure you get registered to your current
address.As separate things these may not be a problem but added
together they can lead to a bad credit situation. Lenders
usually use a credit scoring system which gives each area
of your financial situation a score and then make a
decision based on the total score.
The first stop with any bad credit problem is to get your
credit report and check what is recorded in it. Quite often
people find things are recorded on their credit file that
they knew nothing about and that is what is causing the
problem. By getting this sorted out they no longer have a
bad credit problem.