Business
Top 3 Finance Certifications to Pursue During COVID-19
COVID-19 crisis has made us stay at home for four-five months as companies opt for remote work culture. Many of you might have pushed to furloughing, salary freeze, lessened work hours or, even might have got laid-off. Whatever the situation we are right now, it is bound to change. Take disruption time to your advantage and upskill yourself to get prepared for the new market. Post COIVD-19, the work culture would never be the same. It is high time to get accommodated with the new norm with new skills.
If you are a recently graduated finance graduate or have a career in investment banking or any other financial institute, go for professional finance certification. The industries value the expertise you acquired through a certification program as these involve stringent coursework and exams. Here is a list of top finance certifications you would like to consider.
Each of these certifications carries specific value for job possibilities. Have a look at these financial credentials and choose the one which gives your career the required boost.
Best Finance Certifications to Look for during this COVID-19 crisis
Here are a list and a small brief of most popular finance certifications that you may consider for your career growth.
Financial Risk Manager Certification (FRM):
Given the current economic situation, we can say there is growing insecurity feel among the businesses. This has indirectly put pressure on most of the companies to implement risk management practices to manage stressful circumstances. It is a good option to learn this skill as there is a great demand for this field of risk management.
The most popular certification in this field is FRM certification which enables you to apply knowledge in real-life situations. As an RM accredited professional, you can manage risks related to credit, banking, liquidity, market, and non-market operational risks.
You can pick your career as a credit manager, risk control manager, or advisor for hedge funds, investment banking industry, central banks, asset management companies, financial and non-financial corporations.
Investment Banking Certification:
Investment banking is one of the most sought-after professions in the finance world. Earning an investment banking certification like enables you to work on assignments, design, and execute solutions for fundraising, acquire or merge companies, or develop financing options for your clients.
It expands your knowledge and skills in Analytics and mathematics and helps you stay updated with the trending technologies and happenings in the investment banking industry.
With investment banking certification, you can pick your career in top investment banking firms and launch your career or level up your career to the next level.
For instance: The Chartered Investment Banking Professional (CIBPTM) qualification provided by Investment Banking Council of America, enables finance professionals to upgrade their understanding and competence in the domain. It paves the way for multiple opportunities in investment banking advisory, merger and acquisition, financial analysis, trading, and underwriting.
Financial Modeling Certification (FMC):
If you are a financial professional in an investment bank, real estate, or insurance industry, then this certification is apt for you. It enables you to construct effective models while representing financial accounts or investment analysis. It helps you to evaluate factors and arrive at best business solutions.
Financial modeling, one of the key skills to get into investment banking facilitates you to forecast the health and organization’s viability.
You can pick your career in equity research, investment banking, corporate finance, project finance, and banking.
Conclusion
Earning an additional qualification in a specialized area of finance helps you to level up your career to new heights or jump start your career if you are a recent graduate. Additional knowledge and skills open newer possibilities as it attracts prospective employers to you. You will get a chance to pick the company of your choice to work with rather than getting satisfied with the company you got to work.
The best part of earning a certification is that it proves your dedication and trustworthiness for the work you are looking for and eases your interview process. Use this time to upgrade yourself and level up your career to new heights.
Business
Top 7 Smart Ways to Manage Your Personal Loan Payments
Managing personal loan payments effectively is a key part of maintaining financial stability and achieving your long-term financial goals. Personal loans are popular for covering a variety of needs, from consolidating debt and financing education to handling medical emergencies or major purchases. However, without proper planning, loan repayments can quickly become overwhelming. In 2025, with changing interest rates and financial trends, it’s essential to adopt smart strategies that keep your personal finances healthy while managing your debt responsibly. Here are seven expert-backed ways to manage your personal loan payments effectively.
1. Understand Your Loan Terms Thoroughly
Before making any payments, it’s crucial to fully understand your personal loan agreement. Every lender has specific terms and conditions that can affect your repayment strategy. Key aspects to focus on include:
- Interest Rate: Determine whether your loan has a fixed or variable interest rate. Fixed rates offer predictable monthly payments, while variable rates may fluctuate with market trends.
- Loan Tenure: Know the duration of your loan. Shorter tenures have higher EMIs but lower total interest, while longer tenures reduce EMI but increase the total interest paid.
- Repayment Schedule: Be aware of the due dates and amounts. Missing a payment could lead to penalties and damage your credit score.
- Prepayment and Foreclosure Charges: Check if your lender imposes fees for early repayment. Some lenders allow penalty-free prepayment, which can help you reduce overall interest.
Having a clear understanding of your loan terms will help you create a repayment strategy that minimizes costs and avoids unnecessary stress.
2. Create a Detailed Budget
A practical budget is the foundation for managing personal loan payments efficiently. Start by tracking your income and expenses to identify areas where you can optimize spending. Include the following in your budgeting process:
- Loan EMI Allocation: Prioritize setting aside funds for your monthly loan repayment. Treat this as a non-negotiable expense.
- Essential Expenses: Include rent, groceries, utilities, insurance, and transportation costs.
- Discretionary Spending: Identify areas where you can temporarily cut back, such as dining out or non-essential subscriptions.
- Emergency Fund: Maintain at least 3–6 months’ worth of expenses to cover unexpected events.
A well-planned budget helps ensure that you have enough funds for timely repayments while still covering essential living costs.
3. Set Up Automatic Payments
Automation is one of the simplest ways to stay on top of your loan repayments. Most banks and lenders offer auto-debit facilities that allow your EMI to be deducted automatically each month. Benefits include:
- Timely Payments: Avoid late payment penalties and maintain a strong credit score.
- Financial Discipline: Removes the temptation to spend funds allocated for your EMI elsewhere.
- Convenience: Reduces the hassle of manual payments every month.
Automation ensures that you stay consistent with repayments, which is crucial for long-term financial health.
4. Make Extra Payments Whenever Possible
Paying more than the minimum EMI whenever you can afford it can significantly reduce your overall debt and interest paid. Some strategies include:
- Principal-Only Payments: Allocate any extra funds directly toward the principal to lower the outstanding balance faster.
- Use Bonuses or Tax Refunds: Apply windfalls toward extra payments instead of spending them.
- Partial Prepayment: Even small additional amounts reduce interest and shorten the loan tenure over time.
Over the long term, extra payments can save a substantial amount of money and help you become debt-free sooner.
5. Consider Refinancing Options
Refinancing your personal loan can be a smart move if interest rates have dropped or your credit score has improved since you first took out the loan. Advantages of refinancing include:
- Lower Interest Rates: Reduce your monthly EMIs and total interest burden.
- Flexible Tenures: Adjust your repayment period to better suit your current financial situation.
- Loan Consolidation: Combine multiple loans into one, simplifying management and reducing the risk of missed payments.
Before refinancing, calculate any associated fees and compare offers from different lenders to ensure you gain a financial advantage.
6. Monitor Your Credit Report Regularly
Your credit score affects loan approval, interest rates, and refinancing options. Monitoring your credit report regularly can help you:
- Identify Errors: Spot inaccuracies that could negatively impact your score.
- Track Your Progress: See improvements as you make timely payments.
- Prevent Fraud: Detect unauthorized activities that could damage your financial reputation.
Several credit bureaus provide free annual reports, and some banks offer regular credit updates. Monitoring your report helps you stay informed and proactive.
7. Seek Professional Financial Advice
If managing your personal loan becomes challenging or you want to optimize your repayment strategy, consulting a financial advisor can be beneficial. Professional advice can help you:
- Develop a Debt Management Plan: Identify the most efficient way to repay your loan without compromising other financial goals.
- Create a Sustainable Budget: Incorporate loan payments while maintaining savings and investment plans.
- Evaluate Refinancing Options: Determine whether refinancing or consolidating loans is suitable for your situation.
Expert guidance ensures you make informed decisions that strengthen your overall financial health.
Additional Tips for Smart Loan Management
Apart from the seven main strategies, here are a few more actionable tips:
- Avoid Taking Multiple Loans Simultaneously: Managing multiple loans can be stressful and increase the risk of missed payments.
- Set Financial Goals: Determine a clear timeline for paying off your loan to stay motivated.
- Track Payments: Maintain a record of all payments to verify accuracy and prevent discrepancies.
These small steps complement your main repayment strategies and help you stay in control of your finances.
Conclusion
Managing personal loan payments in 2025 requires a combination of planning, discipline, and informed decision-making. By understanding your loan terms, creating a detailed budget, automating payments, making extra contributions, considering refinancing, monitoring your credit, and seeking professional advice, you can stay on top of your debt and achieve financial stability.
Personal loans, when managed effectively, can provide flexibility and support for life’s important needs. Implementing these strategies will not only help you manage your current loan efficiently but also build a strong foundation for future financial planning.
Business
Brik Oven Prestige Towers, Rama Nagar (Bengaluru)
Brik Oven, famous by its Neapolitan pizzas that are authentic has gained a reputable presence in Bengaluru’s food scene. One of the most prominent locations is located in the Prestige Trade Tower on Palace Road located in the Sampangi Rama Nagar area. The outlet provides patrons with an exceptional dining experience that combines traditional Italian cuisine with modern atmosphere.
Brik Oven Prestige Tower Overview
The restaurant was established in the year 2016. Brik Oven has rapidly expanded throughout Bengaluru and has several outlets serving pizzas made by hand and other Italian delights. Its Prestige Trade Tower location, opened as the third outlet, is the unique courtyard design that enhances the dining experience.
Facilities and Ambiance
Prestige Trade Tower Prestige Trade Tower outlet offers an array of amenities that will ensure you a relaxing and enjoyable stay.
-
Maximum Seating capacity: Ample indoor and outdoor seating arrangements can accommodate large and small groups.
-
Open Kitchen A kitchen that is open design lets patrons observe the pizza making process, adding an element of enjoyment.
-
courtyard setting: The courtyard-style ambiance creates a relaxing and comfortable atmosphere, perfect for informal eating.
-
WiFi Access Wireless Internet is free accessible to guests and caters to guests who want to stay connected throughout their stay.
Operating Hours
Brik Oven at Prestige Trade Tower is operational during the hours listed below:
- Monday to Sunday: 11:00 AM to 11:00 PM
This ensures that guests can eat all day, from lunch until dinner.
Menu Highlights
Brik Oven’s menu Brik Oven features a variety of Italian food items that are centered around Neapolitan-style pizzas. The most popular dishes include:
-
Margherita Pizza: A classic pizza made featuring fresh mozzarella as well as basil as well as tomato sauce.
-
Quattro Formaggi: A delightful mixture of four cheeses providing a rich and creamy flavor.
-
Garlic bread: freshly baked bread filled with herbs and garlic and served with the marinara sauce.
-
Milkshakes Milkshakes with a variety of creaminess, with flavours like Oreo or Nutella.
The restaurant also has vegan alternatives, offering the menu is diverse and is able to accommodate a wide range of diets.
Address and Contact Information
| Detail | Information |
|---|---|
| Address | Prestige Trade Tower, Palace Road, High Grounds, Sampangi Rama Nagar, Bengaluru, Karnataka 560001 |
| Contact Number | +91 88847 00088 |
| Website | Not Available |
Nearby Landmarks
Its Prestige Trade Tower outlet is conveniently located close to several famous landmarks:
-
Bangalore Golf Club: About 1 km from the and offers a variety of recreational activities for golfers.
-
Cubbon Park: An expansive green space perfect for strolls in leisure, and located approximately 2 km away from the restaurant.
-
Vidhana Soudha: The seat of Karnataka’s legislature, situated approximately 2.5 kilometers away.
The pros and cons based on Reviews by customers Reviews
Feedback from customers provides valuable insight on the food experience Brik Oven:
Pros:
-
authentic flavors: Many patrons praise the restaurant for its authentic Neapolitan pizzas that highlight the quality of the ingredients and traditional cooking techniques.
-
Ambience: An open-kitchen layout create a relaxing and lively dining experience.
-
Customer Service Employees are usually praised for their warm and professional service, which improves your overall satisfaction.
Cons:
-
Price: Some customers feel that meals are priced on the high end, which might not suit all budgets.
-
Wait Time: During peak hours the restaurant may become overcrowded, which can lead to longer wait times to sit and service.
In the end, Brik Oven at Prestige Trade Tower provides a memorable dining experience for those looking for authentic Italian food in Bengaluru. The location’s prime position, coupled with a wide menu and a warm atmosphere, is a favorite option for both locals and tourists.
Business
Prestige Trade Tower, Sampangiram Nagar (Bengaluru)
Prestige Trade Tower, located at No. 46 Palace Road, High Grounds, Sampangiram Nagar, Bengaluru, Karnataka 560001, is an iconic Grade-A commercial structure located in Bangalore’s Central Business District. Built in 2018, this 23-storey building is designed to be a highly efficient and functional structure with a minimalist and stylish architecture.
Facilities and Amenities
Prestige Trade Tower offers a array of facilities that can satisfy the requirements of the modern business:
- Office Spaces This tower offers an expansive and elegantly designed commercial office space with each floor measuring around 22,000 square feet.
- Retail Podium Four floors of the first are devoted to luxurious retail spaces that provide convenience to both tenants and customers.
- Parking It has the facility for parking in-house, which provides plenty of parking for tenants and visitors.
- Security Security services are available 24 hours a day, 7 days a week. available to ensure the security of the people who live there.
- Helipad It is a tower that has an helipad that provides an additional option for accessibility for executives in corporate settings.
Operating Hours
The standard operating hours of offices in Prestige Trade Tower are typically from 8:30 am to 6 PM, Monday to Friday. However, these hours could differ based on the specific office policies and operational needs.
Address and Contact Information
| Detail | Information |
|---|---|
| Address | No. 46 Palace Road, High Grounds, Sampangiram Nagar, Bengaluru, Karnataka 560001 |
| Contact Number | +91 80 6120 7000 |
| Website | www.executivecentre.com |
Nearby Areas and Accessibility
Prestige Trade Tower has been ideally placed, with an excellent connection:
- Transportation It is located in Palace Road next to the Golf Course, providing good access to railway and bus stations. The closest metro station is around 0.5 millimeters away which increases the accessibility of commuters.
- Services: The vicinity includes several five-star hotel, serviced apartments as well as a range of restaurants both international and local catering to different tastes.
The pros and cons as reported by Reviews
Feedback from visitors and occupants gives insight into the strengths of the building and areas of improvement
Pros:
- The Prime Place: The tenants appreciate the tower’s central position and an easy access to the most important locations in Bengaluru.
- modern facilities: Modern facilities, such as modern meeting rooms as well as cozy business lounges are well-loved.
Cons:
- Communication Issues Potential clients have complained of difficulties in communicating with sales representatives and indicate that there is a need to improve the response.
In sum, Prestige Trade Tower stands as a prominent landmark for business in Bengaluru and offers modern amenities and an excellent spot. Although it has many advantages but a focus on the customer experience could boost its image further.
-
Entertainment7 years agoDownload Hindi Mp3 Songs
-
Business7 years agoHow payday loans are becoming the preferred mode of choice
-
SEO & Digital Marketing7 years agoGenerate More Views on Your Instagram Profile with Cool Graphic Designs
-
Auto6 years agoWhat are Some Budget Friendly Bikes in India?
-
Entertainment7 years agoTips and tricks for safe winching
-
Entertainment7 years agoHow might Super Hero Thor going to help other Avengers in the Avenger4?
-
Entertainment7 years agoAmusement and Water Parks to Visit in Delaware
-
Entertainment7 years agoTop Websites To Download Bollywood Songs And Music Free Online
