Understanding Credit Card Reward Points

We are certain that you have heard a lot about the concept of credit card reward points. It is one of the ways in which the credit card company/issuing bank rewards you for using their services. Additionally, we are also certain about the fact that you know people who have got a wide range of benefits due to their credit card reward points. If you want to understand this concept more intimately, you have come to the right place. Read on to know what credit card reward points are all about, actually.

First things first, credit card reward points are basically a form of currency that the financial institution which has issued the card has come up with. They are usually given out in proportion to the quantum of your credit card spends. But, keep in mind that you will only get the reward points in question after making timely credit card payments in full. You tend to lose any points that you have earned for a particular transaction if it is converted into EMIs.

If you have earned a significant amount of reward points, you can easily redeem them at places and/or online outlets which have a tie-up with the credit card company. Depending on your credit card issuer and their tie-ups, you can redeem your credit card reward points for things ranging from clothes, accessories, pieces of tech to free flight tickets and stay at luxury hotels.

In order to redeem those points, in some cases, you will need to log on to the website of the issuing financial institution with your credentials. Alternatively, you may need to contact the merchant that the financial institution has a tie up with, directly to find out what you can get for your points.

Also Read: How to generate credit card pin

In the case of, say, the Airtel Axis Bank Credit Card, for example, you can redeem your reward points for things such as airport lounge access, scrumptious meals at select restaurants and buy products at highly discounted prices. In some cases, you will either have to log on to the Airtel or Axis Bank website with your credentials or call the eating establishment directly to know what your reward points can get you. Also, keep in mind that in time, the credit card reward points become more valuable as banks are constantly looking to form partnerships and tie ups with various merchants to get their clients the most for their credit card spends.


So, now you have a rundown of what credit card reward points are all about. But, keep in mind that depending on the type of card you are going for and its issuing financial institution, the benefits you will be eligible for will vary. Hence, we would always advise you to choose a credit card wisely and even take a look at their reward points scheme beforehand in order to make a decision. To know more about how credit card reward points work, you can always take a look at what the Airtel Axis Bank credit card reward points can get you.

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How to Choose the Right Personal Loan Tenure

A personal loan is obtained to cover any unanticipated costs that may arise. After expenses, you have restricted access to funds and have a financial crisis. It is a personal loan that will support you no matter what. To pay for all the bills you weren’t expecting, you take out a personal loan.

You can utilise the borrowed funds for a number of things, including dealing with an emergency, funding your business, or continuing your educational objectives. However, the interest rate levied on personal loans is substantially higher when compared to other forms of loans, such as home loans or school loans, because you are not required to produce collateral to obtain one. Because of this, it’s crucial to make a financial plan before applying for a personal loan. You should give serious consideration to choosing the right personal loan tenure that you select while making your financial plans.

Start by thoroughly understanding your ability to repay, then determine the duration of your personal loan accordingly. Simply put, repayment capability refers to your ability to make on-time loan payments. Lending institutions want to make sure that you, as the borrower, will be able to make on-time loan payments or avoid defaulting without difficulty.

There can be many reasons to take a personal loan. Below are a few of the reasons why you should apply for a personal loan to deal with emergency situations.

Consolidation Of Debt

Debt reduction is one of the most prevalent grounds for obtaining a personal loan. You combine all of your outstanding loans and credit card bills into one monthly payment when you apply for a loan and employ it to pay off a number of other loans or credit cards. When your debt is consolidated, it is easier to set a timetable for paying it off without being overwhelmed.

Medical Costs

Unexpected emergencies happen. The last thing we should be thinking about in the event of a medical emergency is money. Even health insurance falls short in situations like this. However, with medical emergency loan, we can receive funding in only a few hours and assist our loved ones in resolving the issue.

Renovating a House

A personal loan can be used by homeowners to make improvements or necessary repairs to their homes. If you don’t have equity in your home or don’t want to take out such a home equity loan or line of credit, take into account personal loans.

You are generally not needed to use your property as security for personal loans because they are frequently unsecured.

Secondary Education

Sometimes, obtaining an education loan requires admission to only a certain group of universities. Personal loans save the day in these situations because school loans may not be able to pay all of the costs that one may have anticipated.

Below are things to keep in mind while choosing the right personal loan tenure

Keep an Eye on Your Monthly Spending and Budget

How much a personal loan will cost each month is among the most crucial factors to take into account when picking a tenure. The only thing you need to do is list your monthly expenses and deduct them from your monthly income. Examine your remaining funds and the amount you’ll need to set aside to fulfil your near expenses. The balance will be used as your monthly EMI payment. Never take on more than you can handle; instead, pick an EMI that is simple to fit into your budget.

 Think About Your Contractual Liabilities

Considering your other financial commitments will also assist you in picking the ideal personal loan term if you have any. You typically have to take other debts, credit card payments, rent, school expenses, and other things into account. Make sure the period you choose will allow you to fulfil all of your commitments without too much difficulty. Get a clear understanding of what has to be done by using spreadsheets and the appropriate calculations.

Determine The Amount of The Personal Loan You Need

Decide on the amount of the loan you need before submitting an application for one. When choosing the right personal loan tenure directly affects the amount of your loan. You might require more time to repay the capital and interest if you obtain a loan for a larger sum. So, as a general guideline, never take out a personal loan for more money than you actually need. Understanding why you need the loan and how much money you’ll need to achieve your goal will help you estimate the loan amount needed accurately.

The Interest Rates to Be Used

Your credit score determines the personal loan interest rates, which also has an impact on your ability to obtain a personal loan. The length of time you select to repay the loan has an impact on the interest rate in addition to your credit score.

Interest rates are typically higher for loans with longer terms and cheaper for loans with shorter ones. Choose a shorter term to save money on interest if your credit score qualifies you for a lower interest rate.

If your credit score is low, opt for a lengthier period because a personal loan with a shorter term and higher interest would be more expensive. Longer terms can help you improve your credit score, which will make it easier for you to secure loans in the future.

Use EMI Calculator

An easily accessible tool that provides you with a complete picture of the loan’s finances will assist you in determining the duration and other important personal loan-related decisions. An easy-to-use calculator is available on the internet, along with a clear breakdown of all the fees associated with the loan. This tool can be used to compare loan offers from several banks and select the one that best suits your needs.

Analyse Your Potential Financial Future

There is greater room in terms of disposable money for a larger EMI each month if you are salaried and due for a raise soon. By doing this, you reduce the total amount of interest paid while simultaneously paying off the debt early. This vigilance can increase the burden till the hike, but it will have a major positive impact soon.


You must always set aside a tiny portion of your money after meeting your fixed obligations. When deciding on your repayment capability, you must take your funds into the account. You shouldn’t take on debt if you discover that there is little left over after paying all of your set obligations.

However, you might take out a short-term loan with a high EMI to pay off debt if there are still enough funds after all bills and savings. You can undoubtedly choose a long-term loan with a low EMI if you only have a modest amount of cash available.


One of the simplest and easiest financial resources to use in an emergency is a medical emergency loan. While making repayments, though, strong financial discipline is just as important. Select a personal loan term that won’t negatively impact your creditworthiness in any manner and prevents defaults of any kind.

Just as important as picking the ideal loan amount and interest rate is choosing the right personal loan tenure. Choose a shorter tenure if your financial condition permits you to do so to avoid paying as much for a personal loan.

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What Should You Consider While Buying Health Insurance In India

A health insurance contract is a legal agreement between you and the insurance company. In such a case, the insurer will agree to shoulder a portion of your financial burden in the event of some medical emergency. As a result, it is critical that you select a health insurance plan and organisation to get health insurance benefits.

  • Plan inclusions and exclusions: The extent of the policy is determined by the health insurance plan’s coverage (inclusions) and the conditions for which no claim may be made (exclusions). Before obtaining health insurance, you must be completely clear on the health insurance app. Unawareness of the coverages can result in an increase in out-of-pocket payments. In addition, being unaware of the exclusions can result in claim denial.
  • The waiting time: The waiting period is when you cannot file a claim against the health insurance plan. It mainly applies to certain pre-existing conditions and maternity benefits. It usually ranges from 9 months to a few years, depending on the insurance company and the insurance plan you want to buy. Before purchasing a health insurance policy, make sure you examine the applicable waiting time.
  • Sum insured and policy premium: You pay a fee to obtain a health insurance policy with specific coverage. The higher the coverage and the more thorough the coverage, the higher the premium. When purchasing health insurance, you must make sure you thoroughly understand the terms of coverage and premium amount.
  • Procedures for daycare: Certain medical treatments are now done in a single day. As a result, it is critical to determine whether your health insurance plan covers such therapies. These are minor medical operations such as cataract surgery, tonsillectomy, etc.
  • Specific diseases and therapies: Medical insurance policies specify which illnesses and treatments are covered after a certain period of time. For example, in many plans, coverage for piles, fistulas, hernias, and other conditions is offered only after the first two insurance years. These conditions are known as particular diseases. If you have any questions about the coverage provided, contact the bajaj health insurance app.
  • Alternative therapies: Ayurveda, Yoga, Unani, Siddha, and Homeopathy are examples of non-allopathic treatments (AYUSH). Many health insurances cover these non-allopathic treatments up to a certain amount. During the COVID-19 pandemic, AYUSH remedies gained popularity, and many individuals prefer them to traditional allopathic medications.
  • The health insurance plan has a room rent cap: The room rent at a hospital may appear to be a minor expense, but it can be extravagant depending on the sort of facility. If the patient is admitted to a room that costs more than the permissible limit, the treatment costs may skyrocket. The room rent limit in a health insurance policy specifies the maximum room rent coverage allowed under that policy. If the policyholder chooses a hospital room with a higher rent, he will be responsible for a proportionate percentage of the total hospital expenditure.
  • The availability of additional coverage: Add-ons are optional coverages offered by health plans that expand the extent of coverage. You can customise your health insurance plan by selecting any appropriate add-on. It is important to note that each add-on cover demands an additional premium, which is applied to the base insurance cost.
  • Pre- and post-hospitalization care: Any tests, treatment, doctor visits, and so on that occur before or after the hospitalisation are considered pre- and post-hospitalisation. Varying insurance providers have different pre-hospitalisation and post-hospitalisation terms and conditions. Check to see if your policy has this coverage.
  • Many network hospitals: Before purchasing coverage, consider the company’s claim settlement strategy. Examine whether the insurer has a large network of hospitals where you can receive cashless treatment. This will help you to spend significantly less money on medical treatment and get good health insurance benefits.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.



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Here are the Best Personal Finance Affiliate Programs in India

Personal finance affiliate programs are trusted ways to generate a second income. This can be done within the least possible time and with zero investments. You must partner with a reputable bank and match their eligibility criteria. These programs come with zero fuss and financial risks. There are no middlemen as well.

The payout is sent to you directly to help you fulfil a few wishes like paying off an education loan, saving for a new home or helping an ageing parent live well.

Banks use this as a form of referral marketing. You are rewarded sufficiently for promoting their products and services and increasing their customer base. Read on to know more.

Top finance affiliate programs

The IDFC FIRST Bank MyFIRST Partner App helps you become an individual loan partner and receive impressive payouts. This is one of the best financial affiliate programs in India, which makes it easy to earn ₹50,000 per month. You get a dedicated client acquisition support and relationship manager to help you kickstart the earning process. No prior knowledge or experience is required.

Simply make sure your target audience is:

  • 23 years and above
  • Lives in a serviceable location of IDFC FIRST Bank and
  • Are Indian nationals

You should also be able to assist them with the loan application and document verification process for a seamless borrowing journey. They should also be in urgent need of a loan so that you, as an agent, can receive the incentive sooner with each successful application.

Individuals can apply for any amount between ₹20,000 and ₹40 lakhs. They can pick a tenure between 6 months and 60 months as per their current financial abilities. The top personal finance affiliate programs like the one offered by IDFC FIRST Bank, make sure:

  • You are earning a 1.5% payout on the approved loan amount.
  • You are further compensated with rewards like cash prizes and gadgets.
  • Outstanding performances are being recognized at the branch, regional, zonal, and national levels.

This program is perfect for working professionals, students, and senior citizens. One of the top features that make it the best financial affiliate program in India is that the payments are weekly. This way, it is highly convenient to tick off small financial needs like paying school utility bills, house rent, EMIs and tuition fees without missing the deadlines.

The money is sent to your bank account directly. There are no hassles of visiting the branch or human interactions. Start using the money right away without usage restrictions. Try to convince your peers by talking about the benefits of a personal loan instead of relying on their savings, credit cards or emergency corpus to close financial gaps.

The IDFC FIRST Bank MyFIRST Partner App helps you earn money even on the go! Start with downloading the app, verifying the OTP, and completing the registration. Make sure you upload genuine and legible documents to qualify without hiccups. This is also a way to create goodwill with the bank for future benefits.

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Choosing the Right Brokerage App

Before investing any money, it’s important to do your research and understand the different brokerage platforms available. Some apps will be better suited for certain types of investors than others. For example, if you’re a beginner investor, you might want to look for a zero brokerage app that has a user-friendly interface and offers educational resources. On the other hand, if you’re an experienced investor, you might want an app that provides more sophisticated features and tools.

There are a number of ways to research different brokerage platforms. You can start by reading online reviews from other investors. You can also compare features and fees on different websites. Once you’ve narrowed down your options, it’s always a good idea to try out the app yourself with a free or demo account before committing any real money.

Consider Fees and User Experience.

When choosing a brokerage platform, it’s important to consider both fees and user experience. Some apps charge higher fees than others, but they may also offer a more robust set of features and tools. It’s important to find an app that strikes the right balance between cost and value for you as an individual investor. In addition to fees, pay attention to the overall user experience when using the app. Is it easy to navigate? Are the tools and features intuitive? Does customer service respond quickly if you have questions or encounter problems?

Understand Security & Privacy Practices.

Before you start investing with a brokerage app, it’s important to understand the security and privacy practices of the platform. How does the app protect your personal information? What type of encryption does it use? Are there any additional steps you need to take to secure your account? It’s also important to find out what happens to your data if you decide to close your account or switch to a different platform. Make sure you understand how your data will be handled before you start using any investment app.

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Reasons why you should get yourself a savings account

Standard investment options include stocks (equities), bonds (bonds), real estate (real estate), precious metals (precious metals), and even foreign currencies. These investment vehicles have a high level of risk, require substantial beginning deposits, and can be difficult to enter; yet, there is the potential for a considerable long-term return on investment if utilized like the texas credit union savings account.

The modest savings account is an excellent illustration of the opposite. Most people do not regard it as a way to create income and save for the future because of its monotony, but it is still considered an investment. It is the solution to all of the previously described problems, as well as other problems. Due to the low returns they generate, savings accounts are rarely considered a suitable long-term investment alternative. Compared to the rate of inflation, the rate of return on savings accounts is significantly lower. Even while the rate of return on savings accounts is not particularly great, there are still several advantages to having money in one.


For those who anticipate making frequent withdrawals, an instant savings account is an excellent option. Your financial strategy may fail despite your diligent planning and adherence to the budget. If you become ill or lose your job, one of your primary concerns should be whether or not you can make this month’s payments. An emergency fund is your best defense against the risks discussed in this article.

If you have three to six months’ worth of cash, you can weather any financial storms that may arise without relying on credit. One of the numerous advantages of having a savings account is accessing your funds whenever you require them. Nonetheless, some investment packages may exclude this option from their accessible alternatives. If you withdraw funds from your certificate of deposit before the maturity date, you will incur financial penalties.

Maintain Vigilance From a Safety Perspective While You Get Going

Make Money It is not difficult to start a savings account if one approaches the process methodically. Make a financial commitment or fill out a web-based form. This initial payment does not need to be a significant amount. Before opening an account with a bank, you must meet their minimum requirements. Inquire about the limitations of funds with a low minimum balance requirement.

He elaborated on the fact that some individuals who are interested in saving money and making investments do not know where to start. Having a savings account can be of great assistance in achieving one’s goals. They require less effort to establish initially. You can withdraw your funds anytime and use them however you like. This technique will keep your money secure while you explore programs and the stock market. A savings account is one of the most straightforward and low-risk ways to invest money.

Relevant Curiosity

The interest accrued on savings accounts increases with time. It is preferable to have low interest rates instead of none. The accumulation of funds in your savings account motivates you to continue saving. The interest earned on a savings account is determined by the quantity of money deposited and the number of compounding days it remains in the account.

During the initial few years, the rate of new capital addition is equivalent to the rate of old capital addition, although interest contributions will contribute more over time.Prior to choosing a bank, it is essential to compare their interest rates to discover which one gives the greatest deal. If the interest rate rises, the cash can be dispersed far more quickly.

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The Benefits of Having a Demat Account

One of the main benefits of having a demat account is the convenient settlement of trades. With a Demat Account Meaning, you can settle your trades electronically, which means that you don’t have to physically deliver the securities to the buyer. This is not only more convenient, but it also reduces the risk of fraud and theft.

Reduction of Risk.

Another benefit of having a demat account is the reduction of risk. When you hold your securities in a demat account, they are stored electronically in a secure central depository. This reduces the risk of loss or damage due to physical factors such as fires, floods, or theft.

Increased Accessibility.

A third benefit of having a demat account is increased accessibility. With a demat account, you can view your holdings and transactions online anytime, anywhere. This gives you greater control over your investments and makes it easier to track your performance.

How to Choose the Right Demat Account.

When you are looking at different demat account options, one of the things you will want to consider is the fees associated with each account. Some demat accounts have monthly fees, while others have per-trade fees SWP Calculator. You will want to compare the fees and choose the account that is most affordable for you.

Consider the Accessibility.

Another thing to consider when choosing a demat account is accessibility. Some demat accounts allow you to trade online, while others require that you call or visit a broker in person. You will want to choose an account that is convenient for you and that allows you to trade in the way that you prefer.

Consider the Safety.

When you are choosing a demat account, you will also want to consider safety features. Some accounts offer insurance on your investments, while others provide 24/7 customer support in case of any problems. You will want to choose an account that offers the level of security and protection that you feel comfortable with.

Section Closing.

How to Use a Demat Account.

How to Deposit Shares.

Depositing shares into a demat account is simple. The process begins with the shareholder delivering physical share certificates to the DP, who then credits the shares into the shareholder’s account.

How to Withdraw Shares.

Withdrawing shares from a demat account is just as easy as depositing them. The shareholder requests their broker to place a sell order for the desired number of shares, which are then transferred from the shareholder’s demat account to the buyer’s demat account upon completion of the trade.

How to Check the Balance in a Demat Account.

checking the balance in a demat account is straightforward and can be done online or offline. Shareholders can view their balance information anytime by logging into their account on the depository participant’s website or mobile app. For an offline balance check, shareholders can request a statement of holdings from their DP, which will show the number of shares held in each scrip as well as their current value.

Now that you know how to open and use a demat account, you can start reaping the benefits of this convenient and secure way of holding securities.


Demat accounts are a convenient and safe way to invest in stocks and other securities. They offer many benefits, including reducing risk, increasing accessibility, and providing efficient settlement of trades. When choosing a demat account, it is important to consider the fees, accessibility, and safety of the account.

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DSA Payout Structure: What You Need To Know

Have you ever had to apply for a loan through an agent rather than directly with the bank?

Well, to begin with, this is typically not a fraud. In actuality, direct selling agents, also known as DSAs, are the individuals who assist you in obtaining a loan from a bank or an NBFC. A DSA’s responsibility is to locate potential clients for the bank they serve. The DSA payout structure includes more than just possible leads. Listed below are some of the other tasks performed by DSA agents:

  • Obtain the completed loan application and the necessary paperwork from your leads.
  • Perform a first review of the materials and the application.
  • Verify the validity of the submitted documents.
  • Upload these documents along with the application form, along with the applicant’s DSA code so that the application can be linked to them.

Benefits of Working as a Business Correspondent or DSA

  • You can generate extra revenue if you know about the DSA payout structure. The amount you make varies depending on the leads generated by you.
  • You can operate your business with very little expense and danger.
  • Flexible work schedules
  • There is no prerequisite for a college degree.
  • The bank or NBFC typically provides your training.
  • You have the option of getting commission.

Know about eligibility requirements

  • You must be an Indian citizen.
  • You do not need to have a degree in banking or finance.
  • You must be at least 18 years old.
  • You must be completely knowledgeable about the goods you will be offering.


It should be obvious that there is a procedure to follow to know about DSA Partner payout structure in order to become a direct sales representative. It’s simply impossible for someone to sell bank loans the moment they wake up. You will first need to register. Each bank, NBFC, and platform for lending has its own registration procedure. The commonly used steps are:

  • Visit the bank, NBFC, or loan site and submit your application there.
  • You need to provide specific papers and then you can get the loan.
  • After this, a legal team will begin the due diligence process, your documents will be validated, and your credit report and CIBIL score will be checked.
  • A DSA registration agreement with the appropriate stamp duty will be provided to you if the background check turns up with no issues.
  • The agreement must be completed, signed, and submitted.
  • You will receive the DSA code.
  • You can begin submitting loan paperwork as soon as you get the code.

DSAs will search for persons who are looking for a loan to do this. The DSA payout structure loan application procedure is then followed when these leads that are forwarded to the relevant bank or NBFC. In exchange for the DSA payout structure, a reward is given. This payment represents a portion of the type. Lastly, a DSA’s responsibility is to locate potential clients for the bank they serve. DSAs will search for persons who are looking for a loan to do this. The interested party is then informed of these leads.

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Best Tips to Get Lowest Home Loan Interest Rates

The process of buying your own dream home is an important event in everybody’s life. Buying a home not only involves a lot of planning but also comes with a lot of responsibilities.

A home loan is the best way to meet your financial needs and get your own home. It is important to look at monthly EMI and interest rates before availing of a home loan.

Due to the great variety of home loan options and varied interest rates, it is important to follow some essential tips that help you to avail lowest home loan interest rates. Read the complete guide to learn all the tips to get lower home loan interest rates.

  1. CIBIL Score

Credit history and CIBIL score are the most important factor to consider regarding a home loan. CIBIL score is an important factor in determining whether you are eligible to avail of a home loan.

A good CIBIL score increases the chances of borrowers to avail of a higher amount of home loan at lower interest rates and flexible EMI. It is suggested to pay the bills on your credit card regularly and pay the EMI of another loan on time to improve your CIBIL score.

  1. Down payment

It is suggested to save money by making the down payment while getting a home loan. Paying the down payment helps reduce the burden of ROI and EMI since the important part of the repayment amount is already paid.

  1. Debt to income ratio

Mostly, the applicants are not much aware of the debt to income ratio while applying for a home loan. But there is a need to consider this important factor.

Debt to income ratio is a significant factor you should consider while applying for the lowest home loan interest rates. The debt to income ratio is the income ratio compared to the total EMI amount. It is suggested to keep the EMI amount more than the monthly income to make the loan repayment process convenient.

  1. Source of income and stable job

Banks consider the current income and stability of applicants to decide their eligibility for providing a home loan. It is important to have a stable job and steady source of income if you want to become eligible for a home loan.

Applicants with stable jobs and regular income sources improve their chances of getting approval for the lowest home loan interest rates.

  1. Calculate the amount of EMI

Banks provide the home loan EMI calculator on their sites so that the customers evaluate the EMI amount. It will help you to select the EMI option on the loan amount. It will also permit you to plan your expenditures smartly as you know the precise amount you have to pay.

So, it is suggested to calculate the EMI amount on loan value before availing of the home loan.

All the above tips help you to get the lowest home loan interest rates. If you have a good credit history and repayment record, you will definitely get the home loan at a lower interest rate from the lender.

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Evan Rubinson f6s 

Evan Rubinson is a highly accomplished and experienced business leader with a diverse background in finance, investment, and entrepreneurship. He is currently the leader of three successful companies: ERA Brands, Concordia Investment Partners, and Koroit Capital.

Rubinson has been actively involved in the business world for over a decade. He started his career as a financial analyst at Prometheus Partners and Armadillo Enterprises, where he gained valuable experience in private equity and international sales strategy. In 2014, he became a portfolio manager at a financial services firm, where he honed his skills in managing investments and maximizing returns for clients.

In 2016, Evan Rubinson co-founded Koroit Capital, a private investment firm specializing in real estate and other assets. Under his leadership, the company has grown significantly and established itself as a trusted partner for investors seeking high-quality investment opportunities. In addition to Koroit Capital, Rubinson also co-founded Concordia Investment Partners in 2018, where he serves as Executive. Concordia is a private equity firm that focuses on partnering with growing companies to help them reach their full potential.

Know more about Evan Rubinson on Crunchbase

 In addition to his work at Koroit Capital and Concordia Investment Partners, Evan Rubinson is also the majority owner of Kapok Pavilions, a company that designs and builds luxury residential properties. He has been with the company for over a decade, and has played a key role in its success and growth.

In addition to being a talented musician, Evan Rubinson has extensive experience working as a leader in the field of musical instruments and accessories. At the age of twenty-five, driven by a lifetime spent immersed in music, Evan was successful as President and leader of multiple internationally famous music brands, including Luna and ddrum Percussion. Evan Rubinson subsequently became a co-owner of these three brands. Evan established ERA Music Companies after moving away from the day-to-day administration of the Luna and ddrum Percussion brands. ERA Music Brands is a conglomerate that manufactures musical instruments as well as accessories for musicians. Evan’s day-to-day responsibilities as a founder, creator of the company’s brand, cover the gamut from the most trivial, hands-on components of a business to the most sophisticated, high-level, strategic challenges. He is responsible for all of these things.Rubinson received his undergraduate degree in Economics and Public Policy from Duke University in 2014. He has consistently demonstrated a strong aptitude for finance and business, and his track record of success speaks to his exceptional leadership skills and strategic vision.

Evan Rubinson’s philanthropic activities include the Tampa Bay Humane Society, Wounded Warriors, and the Mike Calta Family Foundation.

Overall, Evan Rubinson is a highly respected and successful business leader with a diverse range of experience in the finance and investment industries. He has a proven track record of building and growing successful companies, and is widely regarded as a trusted partner for investors and business partners alike.


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