If Something Happened to You, Could Your Family Find Your Money?

 

Nobody likes this question, so let's get it over with quickly. If you were seriously ill or died tomorrow, would your family know where your money is?

For a lot of Nepali households, the honest answer is no. One person handles the bank accounts, the demat account, the insurance and the loans, and it all lives in their head and their phone. When something happens, the family is left searching through drawers, guessing passwords and visiting banks one by one, at the worst possible time.

Your Loan History Follows You: CIB Reports and Blacklisting in Nepal

 

Every time you apply for a loan from a bank or financial institution in Nepal, someone checks your record with the Credit Information Bureau (CIB). Most people never think about it until a loan is refused, or until they find out a relative's unpaid loan, which they signed as guarantor, has their name on it.

Here's what the CIB is, what it knows about you, and how to keep your record clean.

Investment Scams in Nepal: Red Flags and How to Protect Yourself

Scams in Nepal have become much more sophisticated. It's no longer just the obvious "you won a lottery" SMS. Now it's polished Telegram groups with "expert signals", fake trading apps that show huge profits until you try to withdraw, crypto "opportunities", and calls from someone claiming to be your bank, CDSC or even the police.

The tools change. The tricks underneath mostly don't. Once you learn to spot the patterns, most scams become surprisingly easy to recognise.