They say Man is God’s greatest creation on earth. It’s simply because it is one such creation of God that has a command over every other thing.

Man has evolved so much over the years not only in terms of his well-being but in terms of his wants, needs and desires.

Even though man has everything that he needs, his wants and desires never cease to end. This is the driving factor that often lets him push himself beyond his limits to achieve his dreams.

In today’s times, we think of not only achieving our dreams but also paving a path for our future generations to keep them protected as well, for them to achieve their dreams too.

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What makes life interesting is its uncertainty.

When we are young we are in awe of our unpredictable surroundings, the adventure called life astounds us; however, as we grow older we want things to be more predictable, safer and less risky but we also want life to be interesting at the same time!

With every stage of life, we find our needs changing and increasing; we all want that big house, a vacation to some faraway exotic heaven, elite education opportunities for our children, access to best healthcare and a peaceful retirement.

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The financial sector in the world has grown by leaps and bounds, amazing for each one of us, as now so many things are available to us at a click of a button.

However there are many things that are still required to be complied in terms of individual financing which sadly have not grown at the same pace of the evolution of the finance sector.

How many times in our lives, each one of us has faced the dilemma of borrowing or lending? One of the most common reasons of worry for borrowing is the rejection or for lending, the chances of default.

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