https://softquilllabs.com/resources/ SoftQuill Labs is an independent software studio in Bengaluru. We make calm, private apps for Android and the web, publish free guides with numbers you can check, and build apps and websites for clients. en-in Thu, 01 Oct 2026 00:00:00 GMT https://softquilllabs.com/resources/personal-loan-vs-gold-loan-vs-credit-card-emi/ https://softquilllabs.com/resources/personal-loan-vs-gold-loan-vs-credit-card-emi/ Thu, 01 Oct 2026 00:00:00 GMT Raman Patel Personal Finance Compare Gold Loans, Personal Loans, and Credit Card EMIs in India: interest rates, fees, and hidden charges to find the lowest-cost borrowing option. https://softquilllabs.com/resources/running-local-ai-models-on-mobile/ https://softquilllabs.com/resources/running-local-ai-models-on-mobile/ Thu, 01 Oct 2026 00:00:00 GMT Raman Patel App Engineering Discover how modern Small Language Models (SLMs) running locally on phone silicon deliver zero-latency intelligence, total privacy, and offline freedom. https://softquilllabs.com/resources/zero-percent-balance-transfer-cards/ https://softquilllabs.com/resources/zero-percent-balance-transfer-cards/ Thu, 01 Oct 2026 00:00:00 GMT Raman Patel Credit & Debt How 0% APR balance transfer cards work: calculate if the 3%–5% transfer fee is worth it, and how to avoid the deferred interest trap. https://softquilllabs.com/resources/hysa-vs-paying-off-debt/ https://softquilllabs.com/resources/hysa-vs-paying-off-debt/ Wed, 30 Sep 2026 00:00:00 GMT Raman Patel Personal Finance Should you keep extra savings in a 4.5% High-Yield Savings Account (HYSA) or pay down your 6.5% mortgage and car loans? Here is the tax-adjusted math. https://softquilllabs.com/resources/local-first-mobile-architecture/ https://softquilllabs.com/resources/local-first-mobile-architecture/ Wed, 30 Sep 2026 00:00:00 GMT Raman Patel App Engineering An honest developer essay on why modern utility apps should store your data locally on your device rather than sending it to a remote cloud server. https://softquilllabs.com/resources/nirjala-ekadashi-rules-and-significance/ https://softquilllabs.com/resources/nirjala-ekadashi-rules-and-significance/ Wed, 30 Sep 2026 00:00:00 GMT Raman Patel Living & Tradition How to observe Nirjala Ekadashi: water restrictions, fasting rules, health precautions, and practical alternatives for working devotees. https://softquilllabs.com/resources/how-extra-payments-save-thousands/ https://softquilllabs.com/resources/how-extra-payments-save-thousands/ Tue, 29 Sep 2026 00:00:00 GMT Raman Patel Personal Finance Discover how small extra principal payments fundamentally change your loan amortization schedule, saving you tens of thousands of dollars in interest. https://softquilllabs.com/resources/how-to-break-ekadashi-fast-parana-guide/ https://softquilllabs.com/resources/how-to-break-ekadashi-fast-parana-guide/ Tue, 29 Sep 2026 00:00:00 GMT Raman Patel Living & Tradition How to complete an Ekadashi fast correctly: Parana timing windows, Dvadashi rules, Hari Vasara, and gentle sattvic foods to break the fast. https://softquilllabs.com/resources/how-to-prepay-home-loan-india/ https://softquilllabs.com/resources/how-to-prepay-home-loan-india/ Tue, 29 Sep 2026 00:00:00 GMT Raman Patel Personal Finance A practical Indian guide to prepaying home loans. Learn how 1 extra EMI a year saves ₹8.7+ Lakhs, whether to reduce tenure or EMI, and RBI prepayment rules. https://softquilllabs.com/resources/debt-snowball-vs-avalanche/ https://softquilllabs.com/resources/debt-snowball-vs-avalanche/ Mon, 28 Sep 2026 00:00:00 GMT Raman Patel Personal Finance Debt Snowball vs Avalanche with exact numbers. See how much interest each method saves and which repayment strategy fits your personality best. https://softquilllabs.com/resources/ekadashi-fasting-tithi-science/ https://softquilllabs.com/resources/ekadashi-fasting-tithi-science/ Mon, 28 Sep 2026 00:00:00 GMT Raman Patel Living & Tradition A beginner's guide to Ekadashi fasting: what foods you can eat, why dates differ between India and the US/UK, and how to break the fast correctly. https://softquilllabs.com/resources/emergency-fund-guide-indian-salaried/ https://softquilllabs.com/resources/emergency-fund-guide-indian-salaried/ Mon, 28 Sep 2026 00:00:00 GMT Raman Patel Personal Finance Emergency fund guide for Indian salaried employees: how much to save, where to park the money safely, and why credit cards are not a substitute. https://softquilllabs.com/resources/cibil-score-how-to-improve-750/ https://softquilllabs.com/resources/cibil-score-how-to-improve-750/ Sun, 27 Sep 2026 00:00:00 GMT Raman Patel Credit & Banking Learn the practical steps Indian borrowers use to cross the 750 CIBIL mark: fix credit utilization, clear errors, and get better loan approvals. https://softquilllabs.com/resources/credit-card-minimum-due-trap-india/ https://softquilllabs.com/resources/credit-card-minimum-due-trap-india/ Sun, 27 Sep 2026 00:00:00 GMT Raman Patel Personal Finance Discover how the 5% Minimum Amount Due on Indian credit cards traps you in 42% annual interest and 18% GST. See real numbers and how to break free quickly. https://softquilllabs.com/resources/credit-card-statement-date-vs-due-date/ https://softquilllabs.com/resources/credit-card-statement-date-vs-due-date/ Sun, 27 Sep 2026 00:00:00 GMT Raman Patel Credit & Debt Learn the secret difference between your credit card statement closing date and payment due date, and how paying early drops your credit utilization ratio.