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  What Is a Credit Rating? The term credit rating refers to a quantified assessment of a borrower's  creditworthiness  in general terms or with respect to a particular debt or financial obligation. A credit rating can be assigned to any entity that seeks to borrow money—an individual, a corporation, a state or provincial authority, or a sovereign government. Individual credit scores are calculated by  credit bureaus such as Experian, Equifax, and TransUnion  on a three-digit numerical scale using a form of  Fair Isaac Corporation  (FICO) credit scoring. Credit ratings for companies and governments are calculated by a credit rating agency such as  S&P Global ,  Moody’s , or  Fitch Ratings . These rating agencies are paid by the entity seeking a credit rating for itself or one of its debt issues. KEY TAKEAWAYS A credit rating is a quantified assessment of the creditworthiness of a borrower in general terms or with respect to a financial obligation. Credit ratings determine whethe

What Is an Investment? An investment is an asset or item acquired with the goal of generating income or appreciation . Appreciation refers to an increase in the value of an asset over time. When an individual purchases a good as an investment, the intent is not to consume the good but rather to use it in the future to create wealth. An investment always concerns the outlay of some capital today—time, effort, money, or an asset—in hopes of a greater payoff in the future than what was originally put in. For example, an investor may purchase a monetary asset now with the idea that the asset will provide income in the future or will later be sold at a higher price for a profit . KEY TAKEAWAYS An investment involves putting capital to use today in order to increase its value over time. An investment requires putting capital to work, in the form of time, money, effort, etc., in hopes of a greater payoff in the future than what was originally put in. An investment can refer to any medium or

How To Buy Shares | How to Invest in Stock Market Invеѕting in ѕtосk mаrkеt today is no longer аbоut mystery and suspense. It is indeed a profitable prospect. Stock investment certainly has the potential to make your money grow and deliver superior inflation-adjusted returns with time. Apart from securing probable profits, buying and selling shares on-line can also impart invaluable experience in trading. However, the mainstay of it all is selecting the right shares. With an explicit financial objective, most investors buy stocks online, through an investment account at an online or discount stockbroker. In order to begin trading, you need both a trading and a Demat account. A Demat account will act as the common repository that allows you to store the shares you have purchased, while a trading account will facilitate the actual buying and selling activities. This article will throw light on how to buy shares and also highlight some strategies to buy shares. How To Buy Shares? 1. Get

Why should I buy a term plan? In today’s uncertain times, it is important to ensure your dependents are financially protected even if you are not around. Buying a term plan is a simple and cost-effective way to do this. With term insurance, you can get a large amount of life cover at a relatively low premium rate. You can get a ₹1 crore term insurance cover starting at just ₹490 per month2, which is less than half the cost you would typically pay for an outing with your family. The benefit amount will be paid to the nominee in case of death of the policyholder during the term of the policy. How to select the best term plan for myself? There are various factors you need to consider when selecting the best term plan. These are: Brand: Choose a well-known brand that is financially strong and sure to be around for a long time. Claim settlement: Select an insurance company with a consistently high claim settlement ratio and an easy and hassle free claim settlement process. Additional benef