My Favourite Contemporary Artists by Yomi Rodrig

My name is Yomi Rodrig and I work as a hedge fund manager; working in the investment sector means my mind never shuts down from thinking of new ways I can invest both my own and clients’ money. One of my favourite Items to invest in is contemporary art.

As well as enjoying visiting galleries, exhibitions and meeting with well-renowned and up and coming artists, contemporary art is rising in popularity and therefore value, making it one of the best and most interesting things to invest in at the moment.

If you’re keen to learn more about contemporary art from either a hobby or investment point of view, then please carry on reading to learn more about my favourite contemporary artists who put their own unique stamp on the art world and have become renowned for their individual styles, making them not just well-loved members of the contemporary art market, but valuable ones too.

Rudolf Stingel

Born in Merano, Italy in 1956, Rudolf Stingel is now based in New York City and I believe the style and inspiration for his work comes from this contrast in cultures. Stingel was first recognised for his monochrome pieces, which are a far cry from the work he has continued to create in later years. 

Stingel’s style is unique to him and often employs materials that aren’t usually considered mediums for art such as silver sheets, cork and carpet.




The scale of Stingel’s work varies from vast spaces such as his exhibition at the Palazzo Grassi in Venice in which he used patterned carpet to cover the space and create an environment that encouraged visitors to think and feel, to smaller hanging pieces such as those on display at galleries such as Gagosian and the Omer Tiroche Gallery.

The concept behind Stingel’s work is to provoke conversation by not stating the obvious in his works, he aims to get visitors to his work discussing what they see and creating their own interpretation of his work, hence he adds finer details to his work but generally keeps them open and simple.

Yayoi Kusama

The colourful and creative Yayoi Kusama was born in Japan in 1929 and is infamous around the globe for being an artist of many areas and a writer of many genres. Her pieces include paintings, drawings and sculptures and even extend into the fashion industry.

One of Yayoi Kusama’s most infamous concepts is her ‘Infinity Mirrors’ exhibitions which have been hosted in various venues around the globe, including temporary exhibitions at the Dallas Museum of Art and Victoria Miro Gallery in London, and permanent exhibitions at various locations including the Mattress Factory, Pittsburgh, Pennsylvania and The Broad, Los Angeles, California.

The idea of the ‘Infinity Mirrors’ exhibitions was to reflect Kusama’s previous artworks into a vast open space, taking the pieces from hanging artworks and into an experience that tested all the senses.

Takashi Murakami

Born on February 1st 1962 in Japan, Takashi Murakami is a multi-talented contemporary artist, specialising in both fine arts such as paintings and sculptures and commercial media such as fashion and merchandise. 

Murakami’s aim after graduating from the Tokyo University of Art was to establish himself as a successful artist in the Western art world and then move his empire back to Japan to help encourage the growth of an art market in Japan, which he felt was currently missing.

Due to being strategic in how he produced and advertised his work, Murakami is now well-known around the globe for his work. As well as creating traditional pieces of artwork for galleries and exhibitions around the globe, including 727 which takes permanent residence at the Museum of Modern Art in New York, Murakami was enlisted to work with designers and brands such as Louis Vuitton and Issey Miyake where his work was used as the inspiration behind commercial products such as handbags.

Not only is an interest in contemporary art a way to engage in interesting conversations and experience unique things but dedicating time to exploring the contemporary art world could open a new investment opportunity if you gain a good understanding of the market and the value of the best artists and their works.

How A Bad CIBIL Score Can Ruin Your Chance Of Getting Doctor Loan

You heard of an opportunity to take over a polyclinic facility nearby. Sadly, you have to give it a miss. You realise that you do not have enough resources and lenders are hesitant to offer loans since you have a poor credit score.

Your CIBIL score is what speaks of your creditworthiness in front of banks or other financial institutions when you apply for a loan. An individual with low or bad CIBIL score is usually denied loan sanctions. Having a bad CIBIL score can hinder your chances of availing a doctor loan.

Why Is CIBIL Score Important to a Doctor?

To expand their practice and business, you as a doctor might need financial help for it. A CIBIL score can help you get the finances you need. Having a good credit score can fast-peddle your loan application for further formalities. 



But, seeing a bad credit score, banks or other financial institutions are known to reject applications.

What Will Affect Your CIBIL Score?

● Payment dues

Lenders need to know that their money is returned to them in the time given. If you have a payment dues on your credit card, or have ongoing loans, it will tend on influencing your credit history. The CIBIL score helps lenders know how credible you are for a loan. A bad CIBIL score will lessen your chances of getting credit without any hassles.

Amount of utilization

Having many loans and credit cards reflect that you have pending dues to pay. The amounts of those also matter. It is commonly known that the amount of credit you use from what is available to you shows how you manage your funds. It is advisable that you use only 30% of the total credit available to you and pay the bill on time.

● Healthy mix of credits (secured and unsecured)

Availing too many unsecured loans reflect bad credit score. There should be a healthy balance between secured and unsecured loans in your name. This shows the lender that you have securities that you have given for a loan. It holds up your CIBIL score and assures the lenders about your credibility.

● Infrequently checked credit report

Going a long while without checking your credit scores can land you in trouble. It is possible that you may have missed some information. Checking your credit score regularly will ensure that you have no wrongly put information or any technical error. It helps in keeping your credit history clean.

● Too many debts

If you have too many debts, lenders will be hesitant about lending you money. More so, if the debts have bad repayment history. Keeping your records clean, paying your EMIs regularly and keeping a track of your credit are all ways of avoiding too many debts.

● Many recent accounts

Availing a loan when you have recently applied for credit cards or other loans reflect badly on you. It may also give the lender the impression that you are greedy. Your CIBIL score is, hence, affected and it lessens the chances of you getting a loan when you actually need one.

How To Improve Your CIBIL Score

• Pay your dues on time
• Fasten your debt repayments
• Don’t have too many unsecured loans
• Monitor your finances
• Keep your credit history clean

Conclusion

To get a doctor’s loan, your best bet is to always maintain a good CIBIL score. It is certainly a boon. Having a healthy score not only improves your chances of being approved for a loan easily but also helps you earn lower rates of interest. Bajaj Finserv offers a range of doctor loans at affordable rate of interest. You can use the credit given to you on a flexi-loan basis that saves you interest. The doctor’s loan from Bajaj Finserv comes to you in times of need.

How Your Used Assets Can Put Money in Your Wallet

Do you need to save money for something? Perhaps you want to go on a family vacation. Maybe you’re planning on moving into a larger home. Either way, you need to have the finances. 

Don’t assume that there’s nothing you can do to be more proactive about getting them, either. Your used assets may actually help you save, believe it or not. Your “trash” may just be another person’s treasure.

Organize a Garage Sale

Organizing a yard sale can be a wondrous way to quickly earn some extra cash. It can be a fantastic way to clean your home and free it of any pointless clutter as well. It can even be a fun event for the entire family. 

Garage sales enable people to speedily unload. Do you have old artwork that just doesn’t interest you anymore? Do you have clothing that’s too small for your children? Hold a garage sale on a pleasantly mild day. Be sure to advertise it in your community, too.

Sell Your Used Assets on the Internet

You don’t have to have a big yard to get rid of your used assets. That’s because you can sell your used assets on the Internet in this day and age. Internet auction websites can be excellent for people who are looking to sell or auction off their unwanted items. 




Internet classified listing websites can be just as effective and convenient. You can sell anything you want online nowadays. You can get rid of an old piano that’s taking up way too much space in your living room. You can get rid of a bicycle that you no longer ride as well.

Sell Your Old Car

Do you have an old vehicle that’s simply wasting valuable space in your garage? Why not sell it to earn some cash? There are many reputable companies that give people cash for their old cars. 

Selling your old, used car is a simple process for most people to take on. They often purchase vehicles regardless of factors such as condition, mileage, and features as well.

Head to a Pawn Shop

Do you have used jewelry that no longer captivates you the way it did in the past? You can probably sell it for cash at a nearby pawn shop. Look for reliable and credible pawn shops in your area. Pawn shops can make fine choices for people who want to rapidly get their hands on cash.

Something that’s useless to you may be gold to another person. If you need to save cash, take a look at all the things around you that you just don’t need or use.

5 Common Credit Score Myths to Consider

When it comes to credit scores and credit reports, the so-called “conventional wisdom” is full of common myths and flat-out inaccuracies. The fact is, some of the most common misconceptions can actually hurt your score. With that said, here are five common credit score myths to consider.

Myth: Improve Your Score by Closing Unused Credit Cards

Many consumers believe their credit scores will improve if they close unused credit cards. The truth is, closing an unused account could hurt your score. Credit scoring models place a big emphasis on your credit utilization ratio. 

This is the ratio between the amount of available credit to you and the total credit you actually use. If you have a low credit utilization ratio, you will have a higher score. 




If you close an unused credit card, that reduces a portion of your available credit, which can increase your credit utilization ratio and lower your credit score.

Myth: There’s Only One Universal Credit Score

The truth is, there is a wide array of credit scoring models that issue countless credit scores. However, the most recognized credit score is the one issued by FICO. For example, most mortgage lenders will use your FICO score to determine your creditworthiness. 

By contrast, if you are looking for a bad credit auto loan, a lender might use the VantageScore 3.0 credit scoring model. The point is, there is not one score that applies to every consumer.

Myth: Income Determines Credit Scores

Your income has nothing to do with your credit score. Most credit scoring models do not consider your income when issuing a credit score. What does impact your score is your payment history, credit utilization ratio, age of credit and credit inquiries. 

However, if you earn plenty of income, a credit score may not matter much in terms of your buying power.

Myth: The Federal Government Runs Credit Bureaus

Although there are laws that regulate how the three major reporting agencies, TransUnion, Experian and Equifax report credit, the federal government has nothing to do with the day-to-day operations of the reporting agencies. FICO is also an independent company that has no ties to the government.

Myth: The Credit Bureaus Report Good and Bad Credit

This myth really confuses many consumers. In truth, the credit bureaus make no determination that your credit is either good or bad. The bureaus merely compile credit information provided to them by lending institutions. From there, other lenders will use the information in your credit report to determine your level of creditworthiness.

There are many other common misconceptions in the world of credit reports, so it is vital that you do your homework before applying for your next loan or credit card. Arm yourself with the facts, and do not believe everything you hear or see about credit scores and credit reports.