Cutting your detergent bills for a fully auto washing machine

Fully auto washing machines give us the ease of sitting back and relax once the wash process is started. However, at the same time they eat up more water and detergent compared to semi-auto machines. But do you know that you can save both water and soap in your fully auto machine?

Most, if not all, machines come with a water-reuse feature. I have [Whirlpool WM123 NXT 622D Automatic 6.2 kg Washer ... more

Citibank Account Closure without Visiting Branch

Last week when Citibank sent me a mail informing that my Citibank Suvidha Account will be automatically converted to the new Citibanking Account (in which I will have to maintain a monthly net relationship value (NRV) of Rs.2 lakhs, failing which a monthly charge of Rs.500 was applicable), I decided to close my citibank account. I was thinking it would take a lot of effort because of the fact that... more

EPF interest rates since 1952 - Compare historical rates

The interest rates on the Employees Provident Fund (EPF) keep changing from time to time. To calculate interest on a specific year's contribution, you should know the interest rate prevailing during that year. Here is the ready reckoner showing historical data of interest rates declared on EPF/PF accumulations since 1952 till today.

Financial Year Interest Rate
2015-2016 8.8... more

PF withdrawal process - Form 19 (EPF) & Form 10C (EPS)

When I applied for withdrawal of PF/EPF from my last company, it took me some time to understand the process. To make it easy for you, here are the step-by-step instructions for PF withdrawal. more

Cutting Your Car Fuel Bills

With today's bumper hike, the petrol now costs Rs 81.26 a liter in Bangalore. A friend's facebook status says : "filled my car's fuel tank yesterday, feeling lucky" :) True. With every trip to the petrol pump we would now feel the pinch of owning a car. Its time we start paying attention on ways to reduce our fuel bills.

Keeping in mind some points while driving can result in savings of about 10-... more

Buying an insurance policy - Know your rights

Most people generally accede to the unfair practices of the insurers, primarily because they are not aware of their rights as an insurance buyer. If people understand their rights and are willing to fight for them, they would find that regulations imposed by Insurance Regulatory and Development Authority (Irda) along with various court rulings work to protect the interest of policyholders. more

EPF balance online - Resolving the Invalid Member_id error / code not in list

While trying to check my EPF account balance online on, I got an error which says "Invalid Member_id / Data not updated against this". It took me a little while to figure out that the region code and office code have changed and my office pay slip was still showing the old codes (KN/BN/BMS/46499/098). Here is how I resolved the problem. more