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Yahoo
4 days ago
- Business
- Yahoo
2 1/2 Paycheck Hacks To Make More Money Each Month, According to Jaspreet Singh
Paycheck routines are steps that people follow to maximize their income. Having a budget, automating payments and tracking your spending are all standard procedures that can help you out financially. Find Out: Read Next: In a recent video for his Minority Mindset Clips channel, YouTuber Jaspreet Singh covered 2 1/2 ways to stretch your money a bit further. 1. Use Credit Cards When used recklessly, credit cards can cause monumental damage to your finances. If you are in debt, can't resist adding unnecessary items to your online shopping cart or are obsessed with racking up points even while paying interest, Singh encouraged you not to use a credit card. If you use credit cards the right way, you can add some extra cash to your paycheck. Singh pointed out that every month you'll have bills and expenses to pay. Using your credit card to cover these costs can mean earning points that amount to extra cash. However, the only way this is profitable is if you pay your balance off completely each month before the interest kicks in. Since you don't earn much cash back from credit card spending — Singh said it amounts to 1% to 2%, depending on the card, which means you'll get 1 to 2 cents for every dollar spent, although certain cards have deals for better value — points alone aren't worth risking your finances. However, if you're buying something you already have the money for, the points can add up and make you money. Learn More: 2. Know Your Goal Making the most of your paycheck means having a goal. Singh suggested focusing on these three goals. The first is saving and building up an emergency fund. An emergency fund is money you save so you don't go into debt when you have unexpected expenses like medical emergencies or car breakdowns. Singh advised saving up between three and 12 months of expenses, depending on your situation. If you're young and have few responsibilities, you won't need as much as an older person with dependents. Second, he recommended investing. You can either invest for appreciation, where you buy an asset that can go up in value, or for cash flow, where you'll receive regular dividends from your investment. Buying growth stocks means reinvesting your profits in a company, hoping its value will increase. It can result in quick profits, but the stocks have lower liquidity. Acquiring dividend-producing stocks means slower profits, but you will receive cash regularly. The third goal is your spending. Singh said you shouldn't limit your spending goal, but you need to have a path to reach it. He recommended aligning your spending goal with your investment goal. For example, if you buy an income-producing asset like a dividend stock, you can figure out how much of it you need to fund your desired spending habits. 2 1/2. How To Invest You can either invest passively by putting your money into an asset and waiting, or actively by doing research and trying to profit from market fluctuations. Singh recommended trying out active investing through research. If you can find a market shift, there is an opportunity for profit. He highlighted these five shifts: A mainstreet shift where the general public changes spending habits A Wall Street shift where people invest differently A government shift where the government changes how it uses funds An innovation shift where new technology disrupts markets A broad market shift where large-scale economic changes happen Singh said if you want better returns on your investments, you have to get your hands dirty and look into what's going on. More From GOBankingRates 10 Unreliable SUVs To Stay Away From Buying This article originally appeared on 2 1/2 Paycheck Hacks To Make More Money Each Month, According to Jaspreet Singh Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Mint
10-07-2025
- Business
- Mint
Amazon Prime Day 2025: Here's how to save more on tech, appliances and more
Amazon India's annual Prime Day sale is set to return from 12:00 AM on 12 July to 11:59 PM on 14 July, offering Prime members 72 hours of deals across consumer electronics, home appliances, and entertainment. This sale also features a host of new launches and partner bank discounts designed to offer additional savings to customers. During the sale, customers can avail themselves of 10 per cent savings on payments made using ICICI Bank Credit and Debit Cards, SBI Credit Cards, and EMI transactions on the aforementioned cards. This discount is available in addition to any existing product-level deals or price cuts. Moreover, those using the Amazon Pay ICICI Bank Credit Card can get unlimited five per cent cashback (for Prime members) or three per cent (for non-members), while eligible customers can access credit up to ₹ 60,000 through Amazon Pay Later. Prime members stand to gain the most, with access to early deals, faster delivery, and exclusive product launches. Free Same-Day Delivery is available on over 10 lakh products and Next-Day Delivery on over 40 lakh products. Members can also access other benefits like Prime Video, Prime Music, and Prime Gaming, depending on the membership tier. Membership options include: Prime ( ₹ 1,499/year): Full suite of benefits across shopping, delivery, and digital content. 1,499/year): Full suite of benefits across shopping, delivery, and digital content. Prime Lite ( ₹ 799/year): Shopping and limited video benefits. 799/year): Shopping and limited video benefits. Prime Shopping Edition ( ₹ 299/year): Only includes shopping and delivery perks, excluding digital content. Smartphones and accessories The sale includes exclusive launches such as the Samsung Galaxy M36 5G, OnePlus Nord 5, OnePlus Nord CE5, and realme NARZO 80 Lite 5G. For those looking for accessories, products like the Samsung Galaxy Buds Core and OnePlus Buds 4 come with features like active noise cancellation and customisable touch controls. Expect deals on laptops like the Lenovo Yoga Slim 9, IdeaPad Slim 3, and ASUS Chromebook. The JBL Tour Pro 3 earbuds and Nirvana Ivy Pro earphones are also among this year's launches aimed at audiophiles. Gaming and productivity users can look at the Acer Gaming laptop with Intel Ultra5 and 16GB RAM, designed for everyday multitasking and performance. Smart TVs and projectors make up a large part of the launch catalogue. These include: Sony BRAVIA 5 (55") 4K Mini LED Google TV TCL 55" 4K UHD QD-Mini LED Google TV Vu 55" Vibe Series 4K QLED TV BenQ GV50 FHD Portable Projector Lumio Arc 7 Smart Projector Home appliances New appliance launches include the LG 655L Frost-Free Side-by-Side Refrigerator, Bosch 9kg Front Load Washing Machine with AI features, and Haier's 1.5 Ton 3-Star Split AC with twin inverter technology.
Hans India
03-07-2025
- Business
- Hans India
Amazon India announces Prime Day 2025 Deals
· Three days, three times the excitement: This year, Prime Day 2025 brings the biggest deals, amazing launches, entertainment and savings like never before! · New launches and deals from top brands: Prime members will get early access to thousands of new product launches from over 400 top Indian & global brands along across categories including Smartphones, Electronics and Appliances, Fashion, Beauty products, Home and Kitchen essentials, Grocery and more · Exciting offers from leading partner banks: Save Big with 10% savings on payment using ICICI Bank Credit & Debit cards, SBI Credit Cards and EMI transactions on ICICI Bank Credit Cards and SBI Credit Cards* · Blockbuster Entertainment: Prime Video announces an exciting line-up of 17 Indian and international series and movies across multiple languages leading up to this Prime Day. Prime members can enjoy the best of entertainment from India and across the world, including from the US, Japan and Korea Amazon India today announced the most anticipated Prime Day 2025 deals, exclusively for Prime members. Starting from 12:00 AM on July 12 to 11:59 PM on July 14, shoppers can look forward to 72 hours of non-stop shopping, unbeatable deals, and blockbuster entertainment. Whether you're looking to upgrade your tech, refresh your wardrobe or home, Prime Day brings fantastic savings across categories including Smartphones, Consumer Electronics, TVs, Appliances, Amazon Devices, Fashion and Beauty, Home and Kitchen, Furniture, Everyday Essentials, and much more. It's the perfect time to shop, indulge, and make the most of your Prime membership with offers curated specially for Prime members. Customers can save big with 10% savings on payments using ICICI Bank Credit & Debit cards, SBI Credit Cards and EMI transactions on ICICI Bank Credit Cards and SBI Credit Cards.* Prime Day 2025 Deals* – A Sneak Peek! Smartphones and Accessories ● Prime Day Premiers will host new launches across top smartphone brands. Customers can get their hands on the latest launches in mobile technology, offering a variety of new features and vibrant colours. ● The line-up includes Samsung Galaxy M36 5G, OnePlus Nord 5, OnePlus Nord CE5, iQOO Z10 Lite 5G, realme NARZO 80 Lite 5G, HONOR X9c 5G, OPPO Reno14 Series, LAVA Storm Lite 5G and iQOO 13, among others ● Avail up to 40% off on Smartphones and Accessories along with exciting offers such as Instant bank discounts, up to 24 months of No Cost EMI, Exchange offers worth up to INR 60,000 and many more. ● Get exciting deals on Samsung Galaxy S24 Ultra 5G, iPhone 15, OnePlus 13s, iQOO NEO 10R and many more flagship smartphones Consumer Electronics and Personal Computing Prime Day features top brands across multiple categories including laptops from HP, Dell, Lenovo, Apple, and Asus; tablets from Apple, Samsung, Lenovo, Xiaomi, and OnePlus; wearables from Samsung, Boat, Noise, Amazfit, and Fireboltt; headphones from Boat, Sony, Boult, JBL, and Bose; speakers from JBL, Boat, Bose, Zebronics, and Sony; and cameras from Sony, GoPro, Insta360, DJI, and Tapo ● Up to 80% off on electronics, accessories and headphones ● Up to 50% off on wearables, cameras and accessories along ● Up to 40% off on laptops and up to 60% off on tablets ● Up to 60% off on speakers Home Entertainment Bring home the cinema experience with big savings on large screen latest televisions. Shop from more than 600 latest TVs along with more than 55 Prime day special launches and avail exciting offers on top TV brands like Sony, Samsung, LG, TCL and Xiaomi: ● Up to 65% off on televisions with 10% instant bank discount, additional coupons, No Cost EMI options up to 24 months, extended warranty up to 3 years and exchange offers from top brands. ● Premium television entertainment starting at just ₹99 per day with additional savings up to ₹20,000 through combined coupon and bank offers, plus upgrade old for new with exchange offers up to ₹7,000 when trading in your existing television. ● Shop stress-free from 600+ television options with up to 4 years extended warranty, complimentary shipping and professional installation services included. Home Appliances Up to 65% off on home appliances from top brands including LG, Samsung, Haier, Godrej, and Carrier, with customers enjoying exchange discounts up to ₹17,000 and additional coupon discounts up to ₹5,000 on the latest energy-efficient refrigerators, washing machines, air conditioners, and other essential home appliances. ● Up to 60% off on washing machines from LG, Samsung, Bosch, IFB amongst others and air conditioners from Carrier, Daikin, Panasonic, LG and more ● Up to 55% off on refrigerators from Samsung, Haier, LG, Godrej amongst others and up to 50% off on dishwashers from Bosch, IFB, Faber and more ● Up to 65% off on chimney from Faber, Elica, Glen, Crompton amongst others and up to 60% off on microwaves from Samsung, LG, Haier and more
Yahoo
28-05-2025
- Business
- Yahoo
Starter Credit Cards Strategic Business Analysis Report 2025: Market to Reach $587.1 Billion by 2030 - Financial Inclusion Initiatives and Youth Onboarding Fuel Demand
Understand the significant growth trajectory of the Student Credit Card segment, which is expected to reach US$371.3 Billion by 2030 with a CAGR of a 9.7%. The Secured Credit Card segment is also set to grow at 7.6% CAGR over the analysis period. Gain insights into the U.S. market, valued at $94.9 Billion in 2024, and China, forecasted to grow at an impressive 12.6% CAGR to reach $119.1 Billion by 2030. Discover growth trends in other key regions, including Japan, Canada, Germany, and the Asia-Pacific. Starter Credit Cards Market Dublin, May 28, 2025 (GLOBE NEWSWIRE) -- The "Starter Credit Cards - Global Strategic Business Report" report has been added to global market for Starter Credit Cards was valued at US$348.4 Billion in 2024 and is projected to reach US$587.1 Billion by 2030, growing at a CAGR of 9.1% from 2024 to 2030. This comprehensive report provides an in-depth analysis of market trends, drivers, and forecasts, helping you make informed business decisions. The report includes the most recent global tariff developments and how they impact the Starter Credit Cards market. Starter credit cards are specifically designed for individuals with limited or no credit history - such as young adults, students, recent immigrants, or those rebuilding credit after financial setbacks. These cards serve as an entry point into the formal credit ecosystem, offering low credit limits, simple approval processes, and features that help users establish and improve their credit scores over time. As access to credit becomes increasingly important for renting homes, securing employment, or obtaining future loans, starter credit cards provide a structured and low-risk way to build financial Are the Factors Driving Growth in the Starter Credit Cards Market?The global starter credit cards market is expanding due to increasing financial inclusion efforts, the digital transformation of credit access, and rising consumer demand for credit-building tools. As economic participation becomes more credit-dependent, and younger populations seek entry into the formal financial system, starter credit products are viewed as low-risk, high-impact solutions. The shift toward mobile-first platforms, alternative underwriting, and value-added education is enhancing both reach and retention across diverse user the credit landscape continues to evolve, the market's future growth will depend on how effectively issuers can balance accessibility, risk control, and user empowerment. Whether traditional banks and fintech disruptors can collaborate or compete to deliver inclusive, data-driven, and sustainable starter credit solutions will ultimately determine the pace and scale of market penetration - especially in emerging economies where credit access remains limited but demand is Are Fintech Innovation and Digital Onboarding Expanding Access to Starter Credit Products?Fintech companies and neobanks are disrupting the traditional starter card segment by offering mobile-first, no-fee credit cards with instant approvals and transparent terms. Many of these digital-first products leverage alternative credit assessment models, including income verification, employment data, or transactional history, allowing individuals with non-traditional financial profiles to qualify. These innovations are lowering barriers for underserved populations while improving customer experience through intuitive interfaces and real-time account onboarding has accelerated the accessibility and scalability of starter credit cards. With paperless applications, e-KYC, and AI-driven risk modeling, issuers can process approvals within minutes, even in previously underbanked geographies. Some platforms are also bundling starter cards with features like early paycheck access, credit score tracking, or budgeting tools, positioning themselves as holistic financial wellness providers. As competition intensifies, differentiation is shifting toward user empowerment and embedded financial guidance rather than traditional rewards or promotional Demographic Segments and Credit Needs Are Fueling Market Demand?Gen Z and younger millennials represent a primary growth segment for starter credit cards, driven by rising financial independence, digital banking adoption, and long-term credit planning. Many in this group are entering the credit ecosystem for the first time - often during college or early career stages - and prefer products that align with their digital-native expectations. Similarly, immigrant populations and thin-file consumers are increasingly seeking starter cards as a gateway to local financial integration and credit - consumers recovering from past delinquencies or bankruptcies - also constitute a significant user base. These individuals typically require secured credit cards or starter cards with low credit limits, but are motivated by the need to re-establish creditworthiness. Financial institutions are tailoring onboarding journeys, risk frameworks, and support services to accommodate these diverse consumer paths. As financial literacy improves and credit education becomes more accessible, the potential user base for starter credit products continues to expand across age, income, and geographic Are Regulation, Risk Management, and Financial Literacy Shaping Market Maturity?Regulatory oversight is playing a key role in ensuring transparency, consumer protection, and responsible marketing of starter credit cards. Policymakers in major markets are encouraging fair lending practices and mandating clearer disclosures around interest rates, fees, and credit limits. In some jurisdictions, financial institutions are required to provide educational materials or limit initial credit exposure to reduce default risk among new management strategies are evolving to include predictive analytics, AI-driven fraud detection, and real-time behavioral scoring to monitor credit utilization and repayment behavior. Issuers are also experimenting with tiered progression models - gradually increasing credit limits and offering product upgrades based on usage patterns and credit improvement milestones. These efforts, combined with growing financial literacy initiatives in schools, workplaces, and digital platforms, are reinforcing the responsible use of starter credit and minimizing the risk of Scope Report Features: Comprehensive Market Data: Independent analysis of annual sales and market forecasts in US$ Million from 2024 to 2030. In-Depth Regional Analysis: Detailed insights into key markets, including the U.S., China, Japan, Canada, Europe, Asia-Pacific, Latin America, Middle East, and Africa. Company Profiles: Coverage of players such as American Express, Apple Card (Goldman Sachs), Bank of America, Barclays, BBVA USA and more. Complimentary Updates: Receive free report updates for one year to keep you informed of the latest market developments. Segments: Type (Student Credit Card, Secured Credit Card, Unsecured Starter Credit Card) Annual Fee (No Annual Fee Card, Low Annual Fee Card) Provider (Banks, NBFCs, Credit Unions, Other Providers) Tariff Impact Analysis: Key Insights for 2025What's Included in This Edition: Tariff-adjusted market forecasts by region and segment Analysis of cost and supply chain implications by sourcing and trade exposure Strategic insights into geographic shifts Buyers receive a free July 2025 update with: Finalized tariff impacts and new trade agreement effects Updated projections reflecting global sourcing and cost shifts Expanded country-specific coverage across the industry Key Attributes: Report Attribute Details No. of Pages 365 Forecast Period 2024 - 2030 Estimated Market Value (USD) in 2024 $348.4 Billion Forecasted Market Value (USD) by 2030 $587.1 Billion Compound Annual Growth Rate 9.1% Regions Covered Global Key Topics Covered: MARKET OVERVIEW Influencer Market Insights World Market Trajectories Starter Credit Cards - Global Key Competitors Percentage Market Share in 2025 (E) Competitive Market Presence - Strong/Active/Niche/Trivial for Players Worldwide in 2025 (E) MARKET TRENDS & DRIVERS Financial Inclusion Initiatives and Youth Onboarding Fuel Demand for Starter Credit Card Products Fintech Platforms Offer Digital-First Starter Cards With Integrated Budgeting and Spending Analytics Low Credit Limit and Secured Card Options Enable Risk-Managed Credit Building for First-Time Users Embedded Rewards and Cashback Incentives Improve Engagement in Gen Z and Student Segments Credit Education Tools and App Alerts Support Responsible Usage and Timely Repayment Fintech-Bank Collaborations Create Pathways From Starter Cards to Full-Line Credit Products Fraud Monitoring, Freeze Features, and Parental Controls Enhance Trust in Teen and Youth Cards AI-Driven Risk Profiling Optimizes Credit Line Adjustments Based on Spending Behavior Growing E-Commerce Activity Accelerates Need for Digital Payment Tools Among New-to-Credit Users FOCUS ON SELECT PLAYERS Some of the 32 companies featured in this Starter Credit Cards market report include: American Express Apple Card (Goldman Sachs) Bank of America Barclays BBVA USA Capital One Chase (JPMorgan Chase) Citi (Citigroup Inc.) Discover Financial Services First PREMIER Bank HSBC Holdings Navy Federal Credit Union Petal PNC Financial Services Synchrony Financial TD Bank U.S. Bank Upgrade, Inc. WebBank Wells Fargo & Company For more information about this report visit About is the world's leading source for international market research reports and market data. We provide you with the latest data on international and regional markets, key industries, the top companies, new products and the latest trends. Attachment Starter Credit Cards Market CONTACT: CONTACT: Laura Wood,Senior Press Manager press@ For E.S.T Office Hours Call 1-917-300-0470 For U.S./ CAN Toll Free Call 1-800-526-8630 For GMT Office Hours Call +353-1-416-8900Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Business Standard
26-05-2025
- Business
- Business Standard
CARD91 Launches Full-Stack UPI Acquiring Switch to Power Merchant Payments at Scale
PRNewswire Bengaluru (Karnataka) [India], May 26: CARD91 is proud to announce the launch of its Full-Stack UPI Acquiring Solution to power merchant and corporate payment collections. With UPI surpassing 18 billion monthly transactions--and over 60% attributed to Person-to-Merchant (P2M) payments--acquiring has emerged as a critical driver of growth. Yet, significant gaps remain in the current ecosystem. CARD91's acquiring module within Blitz addresses these challenges head-on--offering a scalable, regulatory-compliant, and future-ready infrastructure tailored to the evolving needs of issuers and ecosystem players. Key Features of CARD91's UPI Acquiring Solution: * Seamless DIY merchant onboarding with AI-powered checks to reduce fraud and streamline the process. * Instant VPA creation and QR code generation (both static and dynamic). * Full transaction lifecycle management, including reconciliation and settlements. * Comprehensive bank and merchant portals for operational control and advanced reporting. * Bulk disbursals and collections for corporates through Netbanking. * API-first architecture, with well-documented endpoints and response codes for smooth integrations. * UPI IPO Management, enabling IPO applications via ASBA through UPI. Ajay Pandey, CEO of CARD91, remarked: "This launch represents a pivotal step in our mission to transform UPI acquiring infrastructure in India. From empowering micro-merchants to supporting corporate acquiring, our platform is built for scale, resilience, and adaptability. We are committed to enabling our partners to grow confidently in an increasingly dynamic digital payments landscape." CARD91 is certified for UPI 2.0 acquiring, supports 2000+ transactions per second, maintains ~0% technical declines, and ensures 99.99% uptime. With integrated mobile apps and web portals for merchants, and centralized UPI control centers for banks, the solution is robust, intuitive, and cloud-deployable. Whether enabling micro-merchant collections, expanding QR coverage, or launching a white-labeled merchant app, CARD91's acquiring stack is fraud-checked, compliance-ready, and built for scale. This launch further reaffirms CARD91's commitment to strengthening India's digital payments infrastructure--delivering speed, simplicity, and scale to ecosystem players committed to responsible digitization. About CARD91 CARD91 is an Issuance Platform-as-a-Service company providing unparalleled technology infrastructure to banks, prepaid license holders, and authorized dealers. The company enables them to issue various payment instruments (PPI, Credit Cards, Multi-currency Cards, UPI, and now, Credit Line on UPI) to their customers--ensuring seamless issuance and enhanced control. CARD91's support for multiple use cases aligns with its vision of making issuance seamless and swift for Issuers. With a team of 100+ professionals, CARD91 operates across key financial hubs, including Mumbai, Bangalore, Delhi, and Chennai. For more information, visit or contact sales@
