South Scottsdale is a popular neighborhood to live in, and there are many reasons. This community has something for everyone, from its proximity to downtown Phoenix and its beautiful parks to the many amenities and activities available at the famous stadium.

New residents can also find exciting options for buying real estate in South Scottsdale. People looking to purchase homes for sale in South Scottsdale can visit reputable websites and check the listings by price, house style, amenities, and other vital criteria. Besides these beautiful and affordable homes, you can expect the following when moving to this incredible part of Scottsdale.

Attractions and entertainment

The best attraction in the region is the Scottsdale Fashion Square Mall, especially for those who love to shop. It has scores of shops and restaurants, so it is worth checking out when you need some retail therapy.

Art lovers can check out the Scottsdale Museum Of Contemporary Art (SMOCA), which offers rotating exhibitions throughout its floors and permanent collections, including works by renowned artists. If you want something different from traditional museums, consider visiting one of SMOCA’s temporary exhibits.

Avid golfers can head to the Gainey Ranch Golf Club to tee off amid lush courses. Besides these, there are several malls, kids’ parks, restaurants, and other attractions to keep you entertained.

Affordable homes in South Scottsdale

South Scottsdale is one of the most affordable places in the Phoenix metro area. The average home price is approximately $290,000 and upwards, allowing buyers to purchase their dream homes and upgrade them later. Single-family homes are the most sought-after options in the region, offering spectacular architecture, resort-like pools, front and backyards, garages, and a range of other amenities.

Many also offer breathtaking views of the desert and its intriguing albeit sparse foliage. Depending on the specific house and location, you can expect to pay anywhere from $400,000 to upwards of $840,000.

Great for people of all ages

The South Scottsdale population has steadily risen in recent years, proving its popularity. The neighborhood is fabulous for people of all ages, not just small families or couples. With a lot of shopping and entertainment in this area and with hiking trails, golf courses, museums, and more nearby, you won’t have trouble finding something that interests you any time of the day.

With the median household income in South Scottsdale averaging around $91,000 to $95,000 per year, it is one of the most luxurious areas in Arizona to settle down in.

Realtors can help you get the home you want

Local realtors are experts in the area who know which homes for sale in South Scottsdale are available and how much they cost. They can help you find your perfect match by advising on neighborhoods or schools near your preferred location. For instance, they can get you plush homes near Loop 101 if you frequently travel, so you can quickly access the Sky Harbor International Airport.

Golf enthusiasts can check the listings of homes near Papago Park, which features an eighteen-hole course, a zoo, hiking trails, and much more. You can also sign up with a realtor to receive custom email alerts whenever they get houses that match your specific search criteria.

Therefore, if you wish to call South Scottsdale your home, reaching out to a local realtor or a reputable real estate website can help make a dream come true faster and more effectively.

The post What to Expect When Living in South Scottsdale, Arizona appeared first on Today News Spot.

Your customers are the lifeblood of your business, and providing exceptional customer service is imperative for success. They are the people who buy your products and services, so you must make their experience as positive and seamless as possible. One way to do this is through SMS (Short Message Service).

SMS can provide a quick, efficient way for customers to reach you and receive responses. It is a great way to keep customers up to date on their orders, provide information about new products or services, and answer any customer inquiries. Below are some tips to help you improve your customer service with SMS.

Make Use of Automation

Automated messages will enable customers to get the information they need quickly without waiting for a response from a customer service representative. Automated messages can also provide information about new products or services, special offers, and order updates. This can save time and resources while giving customers the information they need quickly and efficiently.

If you use automation, it is important to ensure that your messages are personalized and relevant to each customer. This will help create a more positive experience and show customers that you are paying attention to their needs.

Encourage Customer Feedback

SMS can be an invaluable tool for collecting customer feedback. You can send out survey messages to measure customer satisfaction and gain insight into what customers think of your products or services. This feedback can be used to make changes and customize your customer service experience for each individual. It can also help you discover areas where you need to improve, allowing you to provide a better experience for your customers.

Once you realize what your customers need and want, you can tailor your business texting service to meet their expectations.

Allow Customers to Opt-In

When customers sign up for an account with your business, allow them to choose whether they would like to opt-in to receive SMS messages from you. This will give customers control over the type of messages they receive and help ensure that your messages are relevant to them. It will also help ensure that customers are not inundated with unwanted messages, which can lead to frustration and decreased customer satisfaction.

You should also give customers the option to opt-out of receiving SMS messages whenever they wish. Giving customers this choice shows that you respect their preferences and are committed to providing them with the best customer service experience.

Get Creative

SMS allows you to be creative with your customer service. You can use characters, emojis, and other fun visuals to engage with customers and make the message stand out. This can help you create a unique customer service experience that will be remembered.

In addition to being creative, be sure to use language that is friendly and easy to understand. This will make your messages more engaging and help customers understand the information they are receiving.

Provide Quick Responses

Customers must respond quickly when they send inquiries or requests over SMS. Customers expect their concerns to be addressed promptly, so ensure that you provide fast and efficient responses. This will show customers you value their time and help create a positive customer service experience.

For example, even if you automate some of your responses, you should make sure to provide personalized responses when necessary. This will show customers that their concerns are being taken seriously and that you are committed to helping them.

Have a System in Place

Having a system for dealing with customer inquiries through SMS will help ensure that your customer service is consistent and efficient. Be sure to have a few customer service representatives ready to respond to inquiries quickly and accurately. This will ensure that customers receive the best possible service each time they reach out.

The best way to ensure that your customer service is always up to par is to have a reliable system. By creating an efficient system, you can ensure that your customers are receiving the best possible experience every time they reach out.

By improving your customer service through SMS, you can provide a better experience for your customers and increase customer satisfaction. By engaging with customers in a personalized and meaningful way, you will be able to provide an experience that they will remember and value. Customers are more likely to be loyal when they receive quality customer service, so make sure you take advantage of the power of SMS.

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Carpeting is not standard in the modern generation, so many people decorate their houses using rugs. Living room rugs are one of them, which are specially used for decorating living rooms. People use living room rugs significantly to enhance the visuals of their Living room. However, a few other purposes and benefits can make you perch these rugs for your living rooms. Shag, Knotted, Square Shaped, Braided, Wool, Hooked, Silk, Natural Fiber, Machine Woven, Cotton, Hand Woven, and Tufted are the most popular rugs for living room. Let’s find out the necessity of living room rugs and how you can choose them correctly to decorate your room:

Necessity Of Living Room Rugs:

Here we are going to discuss the necessity of these rugs:

• If your walls, furniture, and floor colours are dark or there is no window in your room, then your room may seem dark and gloomy, so you can use rugs for living room with vibrant colours that make your room colourful and bright. You can also use a light colour rug that can reduce the dark vibe of your room and make your space look wide and bright. You can also place these rugs near the only light source, which can reflect the light into your room and make it less gloomy.
• Open-floor houses are typical these days, so you need long rugs for living room to cover the log floor and connect those open rooms. In this modern era, the living room and dining are attached, so it is necessary to use a particular type of living room rug that goes well with both vibes and complements this specific room type.
• Living room rugs have soft cushioning; therefore, it absorbs the force of any fall. So, it is ideal for those living rooms where kids wonder a lot or many precious, delicate items are located. So, it reduces the effect of accidental falls and saves kids and elders from injury and delicate items from breaking.
• These living room rugs are perfect for rooms that have noisy neighbourhoods and kids. These rugs absorb the excessive sound of your room and reduce noise pollution. It also reduces the noise of footsteps and falling something, so it is also perfect for those who live above the ground floor.
• These living room rugs provide comfort as their cushioning is very soft. You will feel unique while walking on the floor as it reduces the force of your footsteps. You can also put your leg on this while sitting on the chair and feel the softness and comfiness of this rug.
• These rugs are suitable for insulation. It captures the heat of your room and keeps it warm for a long time, so it is essential for the winter and winter seasons in cold areas. Also, you can walk on the cold floor if you have this rug in your room.
• Suppose your living room floor, walls, or furniture design is dull; then you can use a colourful designer living room rug which will instantly make your room look appealing by complimenting the whole room. Using these beautiful rugs, you can also cover the broken or damaged part of your floor.
• If you are designing a new room or redesigning it to give it a premium look, then use designer living room rugs as a final touch after you decorate the perfect colour and design of your walls, furniture, and floor. This final touch will enhance the visuals drastically and make your room look fabulous.
• Choose a dark rug if you have a child or your rooms have heavy traffic. So, your rug can get dirty because of these conditions, and the dark colour rug will look less dirty even if it is.

Method Of Choosing Living Room Rugs

There are many ways to choose the perfect living room rug for your room. These are the best way of choosing:

• Consider your living room size before you preach rugs for living room. Measure the area correctly where you want to put this rug and then buy a rug of the same size (A little bit small or large will also work) and place this properly to make your room look good
• Choose the colour of rugs for living room according to your room’s personality. So, buy a rug that goes well with the colours of walls, furniture, and floor.
• Select an ideal rug pattern that matches the vibe of your room’s walls, furniture, and floor. Also, go for that pattern that looks artistic and trendy and compliments your room’s visuals.
• Considering the shape of your rug according to your room personality is very important. There are different types of rug shapes like oval, rectangular and circular, and these different rugs look better with the vibe of different rooms. So, choose according to your preference and the vibe of your room.

Conclusion:

Now that you know the necessity of living room rugs, you must choose the perfect one for your room to make it visually pleasing using the above mentioned methods.

The post A Quick Know-How About The Rugs For Living Room appeared first on Today News Spot.

A beautiful heaven in the middle of nowhere in the desert is like the popular combination of beauty and the beast. The architecture of this city carries the soul of the Royalness of Rajasthan, and it’s a unique charm; the lifeless and pale beauty of the desert creates an otherworldly charm. This architectural paradise is located in the middle of the famous Sahara desert, which makes it more fascinating and inviting. These unique features attract lots of tourists throughout the world. However, many other nearby places look as beautiful as this city. So, if you are planning to visit Jaisalmer, you must also visit these famous nearby areas. So, here we are going to discuss some of these famous places in the Jaisalmer tour packages:

Khuri

You must travel almost 50 km from Jaisalmer to reach Khuri, the best getaway to start your adventure. Khuri Dunes are one of the famous highlights of the Jaisalmer Tour Packages and trousers from throughout the world are always eager to visit this palace. This is a beautiful little village, and it is located in the desert area of Jaisalmer’s outskirts. This palace has less population and pollution as well. The village is clean, and the Rajasthani cottage houses and local artifacts are one of the major attractions for tourists. This palace is also known for having fauna and flora.

The Rajasthani folklore and the charm of the traditional lifestyle will surely attract you. This pace has all the necessary modern resources as it is connected to Jaisalmer. Locals are known for arranging campfires, telling flok lore, singing local folk songs, and performing traditional dances. So, you can have this ultimate enjoyment if you visit this village. You can visit this palace from 10 AM to 5 PM as it is the standard opening and closing time. You can also enjoy camel rides or other rides on safari cars and experience mindblowing views of the desert and the unforgettable sunset there.

Lodurva

You have to travel almost 6.8 km from Jaisalmer city to reach Lodurva, and this place is 15 km away from the northwestern region. This is one of the most popular locations among the nearby locations of Jaisalmer that comes under Jaisalmer Tour Packages. The great Jaiswal founded Jaisalmer in 1156 AD, but before that, Loduvra used to be the Bhatti Dynasty’s Capital. The Jain temple is one of the top highlights of this location.

There are multiple reasons that this location attracts so many tourists from all over the world. The architectural ruins surrounded by dunes of sand create a uniquely charming vibe. Chamunda Mata Temple, Rishabhanatha Temple, Lord Shiva’s old Temple, Sambhavnath Temple, and Hinglaj Mata Temple are one of the popular tourist attractions of this place. The best time to visit Lodurva is during the monsoon season. You can see many peacocks and experience the peacock dance, and the feather spread at this time.

Khaba Fort

The Architectural beauty of Khaba Fort will surely pick your interest if you are fond of the extensive ruins of old times. This fort used to be one of the essential parts of Kuldhara in the thirteenth century. To reach this fort, you must travel almost 40 km from the village Kuldhara and 32.5 km from Jaisalmer. You can visit this palace from 10 AM to 5 PM as it is the standard opening and closing time. You can come into groups, stay at night, and explore the whole area. This area is safe and family-friendly for tourists. Khaba Fort is one of the top tourist attractions of Rajasthan that comes under Jaisalmer Tour Packages.

Desert National Park

Desert National Park is one of the best locations near Jaisalmer and the Barmer region. You have to travel 10.7 km from Jaisalmer city to reach the location. This park covers a 3162 km area and is registered as India’s largest national park. Jaisalmer Tour Packages hotels offer rooms with beautiful forest views, and you can see birdlife from there which will surely enhance your travel experience. You can travel through this national forest and see harriers, falcons, eagles, vultures, and kestrels. So. This wildlife experience is the key to attracting many visitors from all over the country and the world. November to January is the best time to visit this national park, and most tourists come at that time to spot wild animals and birds. However, you can visit this place in any season you want. You can visit this palace from 10 AM to 5 PM as it is the standard opening and closing time.

Conclusion:

Now that you know all the places worth visiting near Jaisalmer Make sure you travel to all these places as these areas come under Jaisalmer Tour Packages. Now plan your holidays in Rajasthan and Book my Rajasthan Tour.

The post Jaisalmer’s Nearby Least Explored Places Roam With Jaisalmer Tour Packages appeared first on Today News Spot.

Goa, India’s premier party destination, welcomes travellers from all over the globe. If you want to have some fun times, you should go to the smallest state in the nation. There are many activities to do in Goa, like participating in sports activities on the beaches, going to casinos, shopping in open markets, and visiting forts and cathedrals. You won’t have a moment of boredom while you’re there.With various Goa tour packages, you may get several renowned resorts and cosy lodgings that let visitors explore Goa, including its plantations, flora, and wildlife, as well as its parties.

Reasons Why Goa Is The Ideal Vacation Destination

Unquestionably one of India’s most popular tourist destinations, Goa is a great place to go for a vacation trip, family holiday, or romantic getaway. Goa hotels are renowned for boosting a traveller’s holiday experience. Goa is famous for its beautiful beaches, exquisite food, and exciting nightlife. With ideal Goa tour packages, you may get various exciting options to enjoy the sunshine and waves and feel refreshed.There are numerous benefits to visiting this magnificent location, as it provides much more than just beaches.

Ideal Beach Location: 

The top spot on your list would belong to Goa. All the elements are present on the tiny island to make it the ideal beach vacation spot. Goa has everything a beach lover could want, from holding wild parties to having beaches with the emerald green sea. Goa’s stunning coastline, home to numerous stunning beaches, provides visitors with picturesque landscapes and peace where they can relax and soak in the sun.Every beach, including Baga, Calangute, and Candolim, has a unique feature, natural beauty, and peacefulness that attracts visitors.

Kayaking At Night With The Moonlight: 

It’s time to control the waves by kayaking. You can chase, ride, and rule over nature there as you paddle your own kayak across St. Jacinto Island in Sancoale, the Zuari. As you follow your expert’s advice, take in the beauty of the water in the stillness of a moonlit night with little fish teasing you.Goa tour packages offer to lay down in your kayak, breathe deeply, and enjoy the starry night’s beauty and the sky’s expanse. A beach composed entirely of seashells might be accessible if the fishing nets are down and you’re blessed.

Adventure Water Activities:

Adventurous beach life is possible with some aquatic excitement and an exhilarating thrill.With inexpensive Goa tour packages, spend an hour on a boat in the Arabian Sea to arrive at the snorkelling area. In Grand Island’s crystal-clear waters, experience the thrill of exploring the undersea world. You will have enough exciting experiences from these up-close interactions with aquatic life to remember forever, including coral reefs and several fish species. Adventure seekers who adore the water can do so with plenty of opportunities. It’s not like all tourists in Goa are Indian; foreign visitors also take full use of the aquatic activities there.

Delightful Carnival Festival: 

Considering the popularity of the Goa Carnival on a global scale, there is a high demand to purchase Goa flights in February.Thousands of Indian and international tourists travel to Goa every February to participate in the carnival festivities.Participants in this celebration, who highlight the Portuguese era, dress historically accurately or in costume. Every visitor and native in Goa looks forward to the four days in February when the carnival takes place, where they can party, eat, dance, and have a wonderful time. It begins on Panaji, Mapusa, and Margao’s streets and travels through the charming lanes and alleyways of the city.With economical Goa tour packages, you can participate in this renowned festival.

Stunning Churches: 

You must visit Old Goa and the well-known churches if you wish to experience Goa’s true beauty. You can experience the highest peace, structural grandeur, heritage, and detailed history at these holy locations. You should make every attempt to visit these Goa churches to admire the magnificent Portuguese architecture and design. With affordable Goa tour packages, one can opt to discover the history of these Gods’ sites.Famous Goan churches include Bom Jesus, Se Cathedral, Church of Lady Rosary, St. Francis, and Chapel of St. Catherine.

A Visit To A Monument Or Fort: 

When a trip to Goa is arranged, visitors can explore a variety of other unique Portuguese creations in addition to structures. Tourists and visitors can capture breathtaking images at several beautiful forts built in coastal regions. Unique stone carvings can be seen in most forts, which the colonists used to keep an eye on the ships and supplies travelling by sea. On the fort of Chapora, one can take in some of the visual beauty, such as sunsets above the sea with the waves sparkling from sea shells.

Conclusion

Goa is a top choice for tourists who want to engage in exhilarating water sports or enjoy the beachside nightlife. Goa tour packages can be tailored to fit your requirements and are created to explore every part of Goa. Goa travel packages include sightseeing, round-trip transportation, and cosy lodgings, all of which add to the exclusiveness of the trip for the traveller.

The post Take An Affordable Goa Tour Package For A Cheerful Indian Beach Holiday appeared first on Today News Spot.

Ghee has long been regarded as one of the finest milk products in Indian culture. Ghee prepared at home from cow milk is commonly used in Indian families. We all understand that milk is high in protein. Ghee, on the other hand, is primarily fat with a trace of protein. Casein and whey are the two forms of protein present in milk.

Cows in India used to produce milk that solely possessed the A2 type of beta-casein, but now, most milk sold in local supermarkets includes A1 proteins predominantly. Therefore, A2 Ghee produced from Desi cow is the most beneficial, with proper protein and low fat.

Here are some delicious dishes you can try instead of using regular Ghee.

Authentic Rajasthani Laapsi

Laapsi is among the simplest sweet foods; it’s natural and straightforward, with no frills. It is a staple of Rajasthani and Gujarati cuisine and is extremely popular during Navratri. This meal contains wheat, a good source of vitamins, and A2 Ghee, a good source of nutrients.

Daliya has a variety of health advantages. It has traditionally been used in Indian cooking. This meal, made with cracked wheat, is nutritious and simple to digest. It’s abundant in fiber and considered one of the finest meals for weight loss.

Sweet Pongal

Sweet Pongal, also known as Sakkarai Pongal in Tamil, is a celebratory sweet dish created in South India. Jaggery plus authentic A2 Desi Ghee are required components for delicious Pongal. It contains minerals such as calcium, iron, and vitamin B2. You, too, may enjoy the ideal combination of flavor and wellness with genuine cow ghee.

Firangi Jeera Rice

Are you looking for a fast and nutritious lunch any time of the day? Jeera rice is the solution. It is simple to prepare and takes no more than 5 minutes. Jeera rice can easily be included in a variety of celebrations. When combined with the nutritious advantages of A2 cow ghee, this dish is unquestionably a winner in both health and taste.

Maharashtrian Puran Poli

Puran Poli is a well-known Maharashtrian dish. Sweet flatbread is another name for it. During Ganesh Chaturthi festivities, it is also offered to Lord Ganesha as naivedyam. This delectable recipe is enhanced with a spoonful of heated A2 Ghee.

Everyone enjoys a meal, an essential element of every celebration. Puran (sweet stuffing) and Poli (bread) take longer to prepare and have greater culinary complexity.

Spill The Beans

Beans on toast satisfy health and taste sensations because they are simple, uncomplicated, and quick to prepare. It’s the ideal way to satisfy cravings after work and may be included in any of your meals throughout the day.

This hot and lively meal is ready to surprise your tummy and satisfy your senses and is often served with a cup of warm coffee. Beans had never tasted so fantastic until pure A2 Ghee was introduced, making it the perfect culinary companion.

Besan Laddoo

Besan laddoo is a simple dish with few readily available ingredients. Without besan laddoos, celebrations and pujas are meaningless. Furthermore, given the food limitations, it is appropriate for the Jain religion during the Paryushan celebration, where it constitutes a magnificent component of the sattvic feast. Besan laddoos become an all-time favorite when cooked in pure A2 Ghee.

Paneer Parathas

Traditional parathas have changed avatars in a variety of ways over the years. However, paneer parathas are indeed a constant favorite. They are suitable for eating at any time of the day.

Paneer parathas are fast and straightforward to prepare, and the entire family, even youngsters, enjoy them. The meal is suitable for everyone when served with pickle, curd; coriander leaves chutney, mint chutney, and a spoonful of pure A2 cow ghee.

Badam Halwa

Badaam halwa is among the most straightforward and fastest foods to prepare. It is regarded as one of the finest Indian sweets and is typically served with all special feasts. The application of Desi ghee improves its scent and flavor. A2 Desi Ghee has a unique role in this halwa since it is not complete without Ghee floating on top.

Gourmet Cottage Cheese Steak

Everyone’s personal favorite is the Grilled Cottage Cheese (Paneer) Steak. It combines spiciness and flavors, and the scent is simply outstanding! Of course, there’s extra nourishment as well. It’s a flavor explosion you won’t want to miss. This meal is also suitable for those following a Keto diet.

Conclusion

You can prepare several delicious recipes like this one with genuine desi cow A2 ghee while retaining all of the nutrients and minimizing the fat. It’s healthy for your health because it’s explicitly made from A2 cow milk.

The post How To Make Delicious Dishes At Home With A2 Ghee? appeared first on Today News Spot.

Table of contents:

1. Summary
2. Introduction
3. Types of payment solutions
4. The pros and cons of payment solution
5. How to choose a payment solution that fits your business
6. The best fit for your business
7. Conclusion

In an increasingly digitized world, it’s important to have a strong understanding of payment solutions. From online shopping to in-app purchases, we’re using various forms of payment more and more. But, by what exactly are we paying? And how do these payment solutions work? This article has answered all these questions and read the full article to know all about the payment solutions.

Introduction

Payment solutions should be at the top of the list of your priorities for running a successful business. The most essential thing to discuss is what payment solutions are? Payment solutions include dealing with payments and everything it entails. This includes credit cards, debit cards, cash, and any other kind of payment that one may be required to handle for the company for which they work. Payment gateway is one of the best solutions for the payment need.

There are numerous payment solutions to select from and choosing the best fit for your business can be difficult. However, in this article we will discuss all you need to know about the payment solutions.

Types of payment solutions

There are numerous payment alternatives available to organizations today. Each has benefits and drawbacks that should be considered when selecting a solution for your business.

• Credit Cards: Credit cards are one of the most common payment options, providing customers with convenience and flexibility. They do, however, come with significant fees that can eat into your income.
• Debit Cards: Although debit cards are a less expensive alternative to credit cards, they may not be accepted by all companies. Debit card transactions may also take longer to process than credit card purchases.
• Wire Transfers: While wire transfers are a quick and secure way to transmit money, they can be costly. Wire transfer fees vary depending on the amount sent and the destination country.
• Online Payment: An online payment solution is a terrific method to grow your business. There are numerous advantages to using an online payment system, including convenience, security, speed, and ease of use.
• Payment gateway: A payment gateway is the user interface and the technology that merchants use to receive and card payments from their consumers.

Did you know: Prepaid cards are more popular among the younger generation, and credit card use is much lower when compared to the previous generation.

The pros and cons of payment solution

Businesses can choose from a range of payment options nowadays. Credit cards, debit cards, and other payment systems provided by many businesses are the most popular payment options. Credit cards are the most generally accepted payment method, followed by debit cards and other forms of payment.

Businesses must select the best payment system for their requirements. Credit cards have the most widespread acceptability and are ideal for firms that need to process a high volume of transactions. Debit cards have a reduced cost per transaction and are ideal for businesses with fewer transactions. Here are some of the pros and cons of payment solutions.

Did you know: Without the merchant account, the payment processor cannot proceed. 

How to choose a payment solution that fits your business

• When selecting a payment option for your business, there are a few factors to consider. The first step is to choose the nature of your business. This determines the types of payments you can receive. If you own an online business, for example, you’ll need a payment gateway service to accept card payments. If you have a physical store, you might be able to get by with simply a POS system that accepts cash and cheques.
• You should also think about what your customers want. They may be unwilling to transition to a new payment option if they are used to paying with cash or check. However, if you provide a new payment method that is more convenient for them, they may be more likely to utilize it.
• Finally, you should examine the fees connected with various payment options. Some solutions have a per-transaction fee, while others have a monthly price. You should also consider whether you require extra services such as recurring payments or automatic fraud detection.

To set up a payment solution, you must first complete a few steps. First, you must select a service provider. There are numerous providers available, so you’ll need to compare their services to locate the greatest fit for your company. After you’ve decided on a provider, you’ll need to open an account with them. This simply requires some basic information about your company, as well as your contact and billing details.

Once your account is set up, you need to merge your payment option with your website or online store. This method will differ based on the platform you are using. Once everything is in place and operational, you can begin receiving payments from customers.

Did you know: Merchant service providers’ role is to manage the payment process or transaction between businesses and their customers.

The best fit for your business

NTT DATA Payment Services, a Payment Service Provider and payment gateway, specializes in providing customers with a safe and quick means to transfer money for merchandising. NTT DATA Payment Services India has helped over six million merchants with an annual transaction value of eight hundred million.

Multi-bank EMI, multiple payment modes, easy retry, invoice payment, and payment options such as debit cards, credit cards, net banking, challan, UPI, Bharat QR Scan and Pay, Wallets, NEFT/RTGS, and much more are the service offered by NTT DATA Payment Services.

Conclusion

Everything you need to know about payment solutions is right here. With so many options available, it might be difficult to select the best one for your company. However, by keeping these important factors and points in mind, you can break down your options and find the ideal payment solution for your business.

The post All You Need To Know About Payment Solutions appeared first on Today News Spot.

It may seem obvious, but it’s essential to define the people you want to reach before you start any marketing campaign. That way, you can tailor your message and activities to their needs and interests. It’s also important to understand what makes them different from other potential customers — i.e., what they want or need that others don’t. Marketing your business can initially seem intimidating, but it becomes second nature once you start doing it regularly. Here are some ways you can attract your target audience for your biz:

1. Create an online presence

An online presence is essential to attracting your target audience, even if you’re a brick-and-mortar business. Whether it’s a simple blog or a full-fledged social media marketing campaign, the more places people can find information about your business, the better. The beauty of social media is that it allows customers to share their experiences with others — if you’re doing things right, people will be talking about you online whether you like it or not! But don’t worry; there are many ways for you to get involved in these conversations and actively promote your brand on social media platforms like Facebook and Twitter. You can also create a website for your business. A website can be costly and time-consuming to create. But, it is one of the best ways to attract new customers because they can find out more about your business and products or services before deciding whether they want to buy from you.

2. Build relationships with influencers in your industry

Influencers have many followers on social media, and their opinions mean something to their followers. People will listen when an influencer recommends something — whether a product, service or brand — because they trust the influencer’s opinion over anyone else’s. Influencers also help you build trust among potential customers who might not know much about your business yet (or even who it is). If someone knows another person uses a certain brand and likes it, that person may be more likely to try it themselves than if they were looking at an ad or website for the first time. By building relationships with them, you can gain access to their audiences.

3. Use of animation demos

If you’re serious about marketing your business, you should use animation demos. Animation is a powerful tool for communicating your message and increasing sales. It’s a great way to show off your products, services, and company culture. It helps customers relate to what you’re selling and can keep them engaged for longer periods than just text or static images can. Animation demo reel examples show potential clients how long it takes you to complete a project from start to finish, how much time it takes for revisions and how many revisions they will have to go through before they get the final product they want. An effective way to use animation demos in your marketing is through product demos. These demos are one of the best ways to use animation in marketing because they let you show off all the features and benefits of your product at once. This makes it easier for customers to understand what they’re buying and how it works. Make sure each feature has its slide, so people don’t get overwhelmed with too much information at once!

4. Leverage content marketing and host events

Content marketing is when a company creates engaging content that interests its audience in the brand’s products or services. You can do this through blog posts, podcasts, and videos. You can also share this type of content on social media sites like Facebook, Instagram, and Twitter to reach larger audiences outside your business network. Hosting events at local venues can help you attract customers by allowing them to meet face-to-face with experts in their industry and learn more about what they offer their customers. Events can include workshops or seminars where participants learn how to use a product or service that aligns well with what you sell or offer.

5. Offer valuable content for free

Create blog posts and videos that provide helpful information related to your industry and share them with potential clients. If people like what they read on your website or in your blog, they’ll be more likely to listen when you advertise or promote your business. This will help build trust and show that you’re an expert in your field — two things that can help attract new customers. You can also offer valuable information that helps people solve problems or achieve something they want. For example, if you sell nutritional supplements, you could publish articles about how to eat healthily and exercise more.

You are your own greatest asset, so put yourself out there! The more visible you are, the easier it is for potential customers to identify with you. Just decide on the right demographic whose characteristics align with current buying trends.

The post 5 Ways You Can Attract Your Target Audience for Your Biz appeared first on Today News Spot.

As the big day draws nearer, you may be starting to think about where to have your graduation party. But with so many choices out there, it can be hard to decide which venue is right for you. Here are 5 ideas to get you started.

Try a Local Park

A park is a great option if you want to have an outdoor party. It provides a designated area for your guests, and there are usually plenty of places to sit and relax. Plus, most parks have playgrounds and picnic areas that can be used for activities. If you’re worried about the weather, you can always rent a pavilion or gazebo. And if you need to accommodate a large number of people, many parks also have reservable picnic shelters. So whether you’re planning a small gathering or a large celebration, a park is a great place to host your event.

A Backyard Celebration

When it comes to hosting a party, there are plenty of great options available. However, if you want to keep it simple, then hosting the event in your own backyard is the way to go. Not only will this give you complete control over the event, but it will also allow you to show off your personal style – whether that means your own decorations or simply a fun graduation yard sign on your front lawn. Of course, hosting a party in your backyard may require a little extra work. In addition to making sure that the area is clean before the guests arrive, you’ll also need to do a bit of cleanup afterward. However, the effort is well worth it when you see the smile on your guests’ faces as they enjoy the party in your special place.

Party at a Friend or Family Member’s House

Don’t have a backyard of your own or a big enough home to throw a graduation party? Keep in mind that a friend or family member’s house might be the perfect option (and if you like the idea above about having a graduation yard sign greet guests, having such a sign put on your friend or family member’s yard may still be an option). Not only is it often also free or very inexpensive to use someone’s home as a party venue, but you’ll also have the added bonus of not having to worry about basic setup or cleanup. In other words, you can have all the perks of a home party, and additional hands to help with some of the details. If you’re looking for a hassle-free and budget-friendly party option, consider asking a friend or family member if you can use their house. Chances are they’ll be more than happy to help out.

Celebrate at a Local Restaurant or Banquet Hall

When celebrating your graduation, don’t forget that a local restaurant or banquet hall can be a fun, unique venue. They often have special deals for graduation parties, so you can save money while still celebrating your achievement. Moreover, they are also reliable and trustworthy, so you can be sure that your party will go off without a hitch. So, if you’re graduating soon, be sure to check out your local restaurant or banquet hall for their graduation party deals. Find the right one, and you won’t be disappointed.

Travel – Locally on a Budget or To an Exotic Destination

Finally, one of the more overlooked options had to make our list of 5 fun venues for graduation celebrations. If you are looking for a unique way to celebrate your graduation, consider traveling to an exciting destination. There are many great places to visit, whether you are on a tight budget or have been saving up for a more luxurious trip. If you are short on cash, consider camping at a nearby state park or visiting a local city that you have always wanted to explore. If you have some money to spend, consider taking a trip to an exotic location or renting a cabin in the mountains. No matter where you go, traveling can be a great way to relax and celebrate your hard work. So start planning your trip today and enjoy your graduation in style.

No matter the type of celebration you choose (whether a backyard barbecue party or an all-out celebration at an exotic travel destination), be sure to take into account what will make your graduate happiest on this momentous occasion.   After all, it is their special day! With a little planning and thoughtfulness about the venue, you can be sure to throw a party that they will remember for years to come.

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As long as we can remember the fashion trends, Anarkalis have been an active part of this industry since ages. From the times when Umrao Jaan was introduced to us to the latest fashion followed by Deepika Padukone in Bajirao Mastani, Anarkali has certainly worn the hearts of ladies all over the world. Especially India, you will find women going crazy about this kurti. The reason behind it can be its unique elegance and sophistication that it provides to the person wearing it. And if you are a part of this Anarkali fan group, then this post has some really cool suggestions for you to try in Anarkali Kurtis. 

• ChikankariAnarkali Kurtis –Born in the central part of India, chikankari art is loved all over the globe. And when this pattern is combined with your Anarkali Kurtis, the effect intensifies. Yes, if you want an Anarkali dress that is super cool and comfortable and still looks ravishing, then definitely try the Chikankari Anarkali Kurtis for sure.
• Cotton Anarkali Kurtis – If you are looking for a go-to attire for your regular office wear, then we would suggest you to try the cotton Anarkali kurtis. The breathable cotton material keeps you cool and comfortable all day long and the fascinating Anarkali pattern is enough to make you look presentable during office meets and professional outings.
• Hand work Anarkali Kurtis – Since the festive season is going on you are definitely looking for something gorgeous and elegant to wear to the parties and functions. Do try the Anarkali Kurtis in hand work patterns. These patterns can be off stone, mirror work or zardozi, but these have the power to make you look enchanting during these functions.
• Anarkalikurtis with shrugs – There is a new trend going on that lets see you play the events and functions in Anarkali Kurti along with a matching shrug. This combination enhances your appearances and makes you look festive or party ready in minutes.  Just pair this combination with a suitable bottom and wear some nice jewellery with it, the effect is unmatchable. 
• Floral printed Anarkali Kurtis – Floral prints and patterns never go out of trends. Especially when you are wearing Anarkali and want to look really cool and composed in it, then we would suggest you to go for the floral prints. These are not just beautiful, but even make you feel comfortable. Well, if you are wearing this with a matching chudidar, then we don’t need to emphasise on the fact that you will definitely be the best looking person in the crowd around.
• Anarkali in sheer fabric –No doubt Anarkali is an ethnic wear, but if you really want to look sexy and trendy in it, than you can always wear it in sheer fabric. This fabric is pretty very thin and the work over them makes the attire look all the more attractive and fascinating.
• High neck Anarkali Kurtis – If you love keeping your collars straight and posture firm, then pick the high neck Anarkali Kurtis. These mostly have an attractive work on the neck pattern and looks well for formal functions. Pair such Anarkali Kurti with a Chudidar and look super stylish in the next event you are headed to. 

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The festive season starts in India as soon as 15 days of Shraad Maas  are over. Right from Navratri and Karva Chauth to Diwali – which happens to be the most-awaited festival. Diwali is a time to celebrate the homecoming of Lord Ram by lighting diyas and your hearts with divine purity. For the last two years, Diwali was spent under lockdown exchanging greetings with our loved ones on video calls. This Diwali is the perfect time to get dolled up and celebrate with pure joy and carefree spirit. 

If you have been dreaming of wearing colorful and trendy Diwali sarees, it is the perfect time to flaunt them this festive season. But, if your Diwali sarees are biting the dust, here are how you can style them in four ways. This means you can flaunt each style on every day of the celebration. 

The best part about wearing Diwali sarees is wearing trendy collections throughout the festivities. From sticking to traditional drapes to trying out sophisticated modern draping techniques, this festive season is your chance to experiment with your style.  

1. Look chic in the belted style: If you have worked out your sweat and blood in the gym, burning countless calories, now is the time to flaunt your perfectly toned body. Wearing a saree with a belt over it is the perfect way to show your hourglass figure. Because the belt is the most crucial accessory here, you must ensure you don’t pick a heavily embroidered saree. Drape a rather plain or sober-looking saree, perhaps a shimmery number, so you don’t have to settle for a toned-down look. Depending upon your saree, you can invest in gold, silver, or oxidized belt and tie it around your waist. The belt will become even more prominent if you opt for a short bralette-style blouse and wear a low-waist saree.
2. Butterfly style: Flaunt your curves this Diwali by turning heads in a butterfly-style saree. Since most of the festivities during Diwali are held in the evening, you can opt for pastel sarees or those with bling all over them. This draping style will make you look taller and slimmer. An embellished arm candy such as a sleek clutch will work wonders for your look. 
3. Dhoti style: If you are trying to make your look memorable or aim to set your mark at the Diwali party, show up in a dhoti-style saree. These sarees are a massive hit among B’Town beauties, which is why you must try them. Wear fitted leggings or slacks underneath, ensuring a tighter hold on the drapes. Your stilettos or strappy heels would look perfect with this number.
4. Gujarati style: If you want to stick to the tradition, the Gujarati drape is an iconic look you can channel at Diwali parties and pujas. Since you will be wearing a front pallu, you can pick up those sarees which feature heavily intricate designs and prints on the pallu. Keeping the pallu long or short totally depends on your style. 

Be a trendsetter this festive season by looking stunning in these Diwali sarees. 

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If you think simply unmistakable experts rent cars, you’re in for a charming shock. Suv Car Rental is at absolutely no point in the future the luxury cost of carrying on with work it used to be. Numerous people can rent cars at a reasonable worth, which makes them more accessible than some other time in late memory for uses other than meetings. In case you’ve never pondered renting a car, you ought to. We’ve recorded the best ten motivations to get a rental car, whether or not you go for the gold common sense.

1. Your car is in the shop

Whether or not your car needs fixes after a mishap or you’re normal for a yearly examination, you want a vehicle to drive while you pause.

Numerous insurance agencies consolidate payment for a Suv Car Rental after a mishap, so you can use that store to pay for a Suv Car Rental while you trust that 

2. You don’t have a car

In case you don’t have a car and you would rather not spend your entire check on open transportation, a rental car can be the best practical choice. If you want consistent transportation, you should place assets into your vehicle. Regardless, if you understand you have a clamoring week ahead or a specific task to do, a Suv Car Rental can set aside your time and money.

3. Your car can’t endure a long excursion

Exactly when you plan a cross-country excursion, you need to understand your car can last the whole journey. If your car is on its last leg or your technician exhorts against driving significant distances, don’t danger a lengthy drive.

4. You need to keep up with your car’s resale worth

One of the main parts of resale is the number of miles on your car’s odometer. You may likewise choose to pass on your car at home to save the low mileage (and higher resale esteem). Likewise, long outings can make extra mileage on your car that around-the-town trips don’t. Keep your car perfectly healthy and rent a car for lengthy drives.

5. You guarantee a gas hog

In case the worth you pay at the siphon carries tears to your eyes, don’t carry that car alongside you on a long excursion. Leave your SUVs and weighty commitment trucks at home and rent a more eco-accommodating vehicle to keep your movement costs low.

6. Your car doesn’t oblige a gathering

If you as of now have an eco-accommodating smaller car and you intend to go to a huge get-together, it merits your significant investment to redesign. Contract a minivan, SUV, or 15-traveler van to screen everyone in your social event while you go out traveling. A bigger vehicle likewise leaves a great deal of room for baggage, trinkets, and whatever else you speed up a long outing. You might try and need to rent a car for short excursions like taking your young person and a social event of allies to the films.

7. You want a vehicle after a flight

Right when you travel by plane for a get-away or business, you want some approach to getting around once you show up. You can use open transportation or a plane vehicle to get into town. In any case, if you don’t have your vehicle to get around, you pass on yourself vulnerable before friends and associates to straightforwardly travel luxury sports car rental. If you prize your independence, or you have little adolescents not far behind, contemplate renting Suv Rental Dubai to get around your new city.

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Nowadays, it appears that an increasing number of consumers, particularly millennials, are switching from traditional taxi services to taxi-hailing applications. The idea of owning a car, paying for gas, and all the associated maintenance costs is being abandoned by an increasing number of individuals in favor of these kinds of apps.

Urban regions are where these apps are most successful, with Uber serving as an example. Since its launch in 2009, this app has experienced unfathomable success, becoming accessible in more than 600 cities and 60 different nations.

Key To Successful Business

You’ll encounter several difficulties when running a firm. The key to a successful organization, though, is to stay on top of current industry developments and implement most of them. You should frequently update your mobile app for the taxi booking app niche to make it as user-friendly as feasible.

Due to the lack of sufficient resources, technologies, infrastructure, and marketing strategies, creating a cab booking app like Uber is difficult. However, working with V3Cube App Development Company makes creating and deploying a taxi booking app straightforward.

Here is a quick summary of some things to consider in this situation:

• Know what your competitors are offering

Before releasing an app, it’s critical to evaluate your place in the market. At the same time, think about the area where you want to put it into practise. Think about if you need a taxi service app like uber if you live in a small town.

• Bring out the uniqueness in your taxi booking app

Why should someone use your App like Uber when there are so many others already available online? A different layout, a new function, or a well-organized menu might make a difference. Or perhaps the high level of professionalism, marketing, and automotive quality.

• Finalizing the taxi booking model

Make a detailed specification that includes a long list of technical requirements. It is essentially a document. Additionally, it provides a full breakdown of the design and functioning of the app like uber under consideration. It is performed by hiring a team or working with a development company like V3Cube. These companies use technical language to help stakeholders comprehend their products. This technical description will enable you to appreciate the construction process’ cost and success estimation.

• Check the interface.

It might be challenging to make room for everything that has to be included in an interface while also achieving visual harmony across all the components. Nobody wants an app that makes it difficult to understand what it offers.

• Pay attention to the UI/UX

You must select your UX/UI team after selecting the development team. But make sure you finish this before beginning the process of developing an on-demand taxi app like uber. The designers will create several wireframes and mock-up prototypes. These will enable you to picture how your finished app will appear and feel. With the teams, go over your design goals and needs.

• Technical specification and requirements

Make a detailed specification that includes a long list of technical requirements. It is essentially a document. Additionally, it provides a full breakdown of the design and functioning of the app under consideration. It is performed by hiring a team or working with a development company like V3Cube. These companies use technical language to help stakeholders comprehend their products. This technical description will enable you to appreciate the construction process’ cost and success estimation.

In Conclusion

It is difficult to plan for a taxi app like uber because there are so many things to consider, including the competition, regional rates, the necessary paperwork, as well as the app’s user experience, payment options, and vehicle quality.

Want to create a similar Uber cab booking app? Reach out to us right now. We offer premium mobile apps at affordable prices. Our skilled team of mobile app developers has provided clients from all around the world with fluid mobile apps.

The post How To Launch A App Like Uber? A Complete Guide appeared first on Today News Spot.

What is the value of postcards as means of marketing in a time when every home has a stable internet connection?

Surprisingly, these direct mail postcards not only possess distinct advantages over digital versions but are also the most powerful marketing method. Well, you might be wondering, “Why?”.

 Social media, online promotions, campaigns, and various other ways of direct-response promotions are now a part of the arsenals of nearly every business.

The simple is always the best. Although the digital age is at the next level, and everybody is turning towards it, using postcards helps many real estate agents to grow. The benefits of using postcards are listed below. 

Why are Postcards for Real Estate So Effective?

In the digital era, it’s easy to forget the benefits of marketing campaigns through direct mail. However, direct mail postcards remain a highly efficient business method today. Let’s understand some of the fantastic benefits of using postcards today:

They offer helpful information on the specific neighborhood.

Marketing postcards for real estate convey an exact message to potential clients. For example, they could talk about a future sale, the most suitable place to build a new house, or the characteristics of a perfect investment property.

While creating your postcard, ensure you find methods to emphasize relevant points for your intended audience or particular neighborhoods. For example, if advertising a luxurious mansion on the beach in Miami, you don’t want to send a postcard stating “Beachfront Residence.” Instead, adding several of the house’s distinctive characteristics is better.

The message you send on the postcard should be persuasive and allow the recipient to understand how they will benefit from having business relationships with you and your customer.

Let your expertise shine through

Although most direct mailers consider their postcards to be only a once-over, they must know that if every postcard is specifically designed, it will provide an instant chance for the buyer to kick off the cycle.

Your chances of capturing prospective clients’ attention when they need to buy a property go up if you craft an attractive personalized message explaining why they should do business with you.

The benefit of postcard marketing for real estate is direct marketing, which is something that most businesses don’t comprehend anymore.

Being Unique Is Amazing

The advantages of using postcards for marketing aren’t limited. Postcards indicate that you’re willing to be different in an environment where people only pay attention to online promotional material. Instead of being a pack follower, developing postcards for real estate leads to standing out from your competition.

What Should You Include?

Now, let’s get to know what you should include in your postcard:

Contact Information: Be sure you include your telephone number and email. It helps people reach out to you without any hassles.

Description of Sale: When buyers receive direct mail postcards, they typically wish to know the home’s details and why it’s being sold. The postcard should contain details, including the house’s background, the current value and local improvements, and how one can get in touch with you.

Last thoughts

When it comes to marketing techniques, consider including customized postcards. It’s highly efficient and particularly benefits real estate for marketing. Making a successful postcard campaign need not take hours and energy, as you can hire a reputable postcard provider to help you in the campaign.

Make sure to keep the campaign regular, distribute them regularly, and use top-class photos, so your intended audience notices and sees the message.

The post Why Are Real Estate Postcards Still Useful? appeared first on Today News Spot.

Have you ever noticed that your mind and body don’t necessarily connect where age is concerned? In your mind, you may feel the same age as you did 10 years ago, but your body isn’t quite so forgiving. The early signs of ageing can show up when you least expect it and leave you a little shaken as to how different you start looking.

If you’re starting to see fine lines, wrinkles and dark spots showing up on your face and you want to reverse the hands of time, the good news is that there are plenty of effective treatments you can use. Let’s take a look at how you can fight the early signs of ageing and slow down the process.

Be Mindful of What You Eat and Drink

You may be surprised to find that the first tip has nothing to do with a skin care treatment or specific product, rather it has to do with healthy lifestyle habits. Eating a well-balanced diet that is high in fresh vegetables and fruits means you’ll be getting all the proper nutrients your skin needs. These are nutrients that keep the skin balanced, radiant and able to fight off ageing. It’s also important to drink lots of water so the skin stays plump and hydrated, which makes fine lines less visible.

Steer Clear of Harsh Face Cleansers

Make sure to also look at the ingredients on your facial cleanser to ensure it’s free from harsh chemicals and ingredients. These can irritate your skin, dehydrate it and even damage it. Look for something that is gentle, creamy and doesn’t contain dyes and perfumes.

Find the Right Moisturiser for Your Skin

It’s important to follow up cleansing with the right moisturiser. Look for one that has anti-ageing benefits which means it contains proven ingredients. Some of the best ingredients to fight the signs of ageing are vitamin C, vitamin E, retinol, niacinamide, ferulic acid, glycolic acid and hyaluronic acid.

Chemical Peels Can Offer Quick Results

If you don’t want to spend time waiting for results to occur, or perhaps the signs of ageing are more pronounced, then a professional chemical peel can be a great solution. The chemicals used will safely exfoliate the surface layers of your skin. The body responds by generating new cells to repair the skin. This means you’ll have a fresher, brighter more even complexion. This skincare clinic in Holywood can offer more information on chemical peels and the specific results you can expect.

It’s worth noting that there are a variety of chemical peels available so it’s best to speak to a professional about which one they recommend for your skin. Light peels can be done monthly, medium peels can be done once every six months, and then deep peeling doesn’t need to be repeated for a few years.

All of these tips will help you to slow down and even reverse the early signs of ageing, which means you’ll be banishing those lines and wrinkles for many years to come.

The post 4 Ways to Fight the Early Signs of Ageing appeared first on Today News Spot.

In an emergency, loans make getting a small loan incredibly easy. You can take advantage of instant personal loans from registered banks and NBFCs through mobile apps and their websites. You can visit your lender’s website to check your eligibility, fill out the application, and submit your documents on your phone. Your lender will verify your eligibility quickly and share the details of your approved loan limit. 

After verifying your eligibility, you will be contacted to discuss your requirements and set up the loan terms. The womens bikes on finance agreement can only be approved after your documents have been verified and your signed consent is received. It only takes minutes for the loan amount to be disbursed once approved. Motorcycle loans are the first step one takes these days when planning to buy a bike.

Why is that so? There is an exponential increase in the price of motorcycles. Thus, cash cannot be used to purchase a bike. Additionally, when one takes out a two-wheeler loan, one can take advantage of several attractive features. The following are some of them:

• Almost all traditional lenders (banks) and non-traditional lenders (non-banking finance companies) offer up to 100 percent bike financing.
• In addition to the loan amount, the motorcycle registration fees are also covered. With the bike loan, you are also covered for insurance costs.
• Borrowers can enjoy low-interest rates when applying for secured bike loans.

Two-wheeler loans are easily accessible and can be used to purchase a bike. For several benefits, an individual must take out a bike loan, even if they have the money to cover the expense. Two-wheeler loans have some advantages over other loans, including:

Availability

Salary employees and self-employed professionals have access to these loans.

Good Interest Rates

As secured loans, they have lower interest rates than other loans because the borrower secures them against the two-wheeler.

Flexible Repayment

After receiving the ladies’ two-wheeler amount, the borrower does not have to repay it within a certain period. Borrowers can select repayment tenures and EMIs based on their budgets, with many NBFCs offering flexible repayment plans.

The borrower may also qualify for a zero-down payment two-wheeler loan, so the finances are not burdened.

Loan amount

Lenders would offer a two-wheeler loan with a loan to value (LTV) of around 95%, ranging between Rs 10,000 and Rs 100,000. Depending on the type of two-wheeler you’re buying, such as brand-new or second-hand, you will have a different Loan to Value (LTV) ratio. There is usually no hassle involved in the loan processing process.

EMI (Equated monthly instalment)

When you finalize the two-wheeler amount, check whether the EMI amount suits your needs. There should be no problem paying for it. To help you maintain your regular expenditures, lenders offer multiple loan tenures ranging from 12 to 48 months. The repayment can be made through your preferred payment method, such as cash, net banking, PDC, ECS, etc.

Interest rate

Interest rates are a culmination of your age, income, employment status, credit history, etc. Two-wheeler interest rates may vary according to the model you are purchasing, but you can find them here. Festivals, monsoons, winters, etc., may have discounts and offers.

Residential proof

Lenders prefer you live at the same address for a year before applying for a 2-wheeler loan. You need this to prove that you have a place to stay, either your own or rented.

Income

Proof of a stable income is required. You can work as a salaried employee or as an independent business owner. Salary slips and bank statements will suffice for salaried workers. If you are a business owner, you should prepare your IT return documents, profit and loss statements, and balance sheet. Usually, the lender will ask for the documents for a certain time.

Your CIBIL Score

The importance of this criterion cannot be overstated. The lenders will check your credit score based on your CIBIL score. In India, it is prepared by the Credit Information Bureau of India Limited, also known as CIBIL. There is a range within which the score falls. Using your credit history, the credit rating agency would compute your bike loan cibil score based on payments and dues on your credit cards. When your CIBIL score exceeds 750, you will have a greater chance of being approved. The interest rate on a loan may also be lower if you have a good credit score.

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According to Dun & Bradstreet, the wholesale restaurant food supply industry has roughly 34,000 businesses with total annual revenue of $991 billion. While some significant chain restaurants in the sector have sizable distribution networks, most of the top distributors are independent businesses focusing on food distribution. Businesses that sell items to retailers, merchants, contractors, industrial, institutional, and commercial users are called wholesale traders. Wholesale distribution companies selling durable and nondurable goods (such as printing and writing paper, groceries, chemicals, and periodicals) do not sell to the household consumers. Wholesale distributors, the sales branches and offices of manufacturers, agents, brokers, and commission agents are three different sorts of businesses that can carry out the duties of the wholesale trade. 

As a wholesale distributor, you will likely manage an independently owned and run company that buys and sells goods you have acquired ownership of. Usually, these processes are carried out from a warehouse or warehouses, from which inventory goods are received and shipped to clients.

What is a Food Distributor?

Distributors must transport all products from manufacturers to retail shelves. Enterprises specializing in supplying food to several restaurants, grocers, food service operators, caterers, institutions, and other businesses are known as food distributors. The chain of distribution is crucial for restaurant food wholesalers. These vendors ought to offer an adequate supply of the highest caliber goods. It comprises, among other things, dry goods, dairy, desserts, fruit, and specialty foods.

How Do Companies That Distribute Food Operate?

Food distribution is handled by several corporate divisions, each with a distinct function. After that, food is gathered and kept in warehouses. Once it arrives in the warehouses, it gets ready to be dispersed at a specified time, location, and quantity. Trailers, trucks, and other kinds of specialized vehicles are frequently used as transportation methods to keep food safe, secure, and fresh. The food is then delivered to other storage facilities or restaurant food wholesalers, including supermarkets, cafeterias, restaurants, and charitable groups.

What are the top 5 wholesale food distributors in the USA?

1. FRPG 

Now coming to the best of the list, FRPG connects professional, effective suppliers and manufacturers who are ready to assist in getting you what you need when you need it. A group purchasing organization called FRPG brings manufacturers and distributors together to ensure that our membership receives fair prices. 

They constitute one of the nation’s biggest food service procurement groups by bringing together the best and brightest operators. No matter how big or where your business is, as an FRPG member, you always have access to the best and freshest food, drink, and paper products. They create long-lasting relationships with suppliers of high-quality goods and services eager to collaborate with them to further the fair pricing strategy. The goal of services is to provide operators with a wide range of goods and services at the lowest cost possible. They give our members the chance to cut costs by committing to and growing their volume of purchases from our network of suppliers and services that will most effectively bring actual economic value promptly and smoothly to your company. They provide member benefits such as pricing consistency, savings, product safety, and guaranteed product availability, to name a 

few.

2. Sysco

In the world of food distribution, Sysco is a titan. The leading international food distribution company in the United States, it was created in 1969. In addition to other products, Sysco is a global leader in distributing food and drink items. While emphasizing neighborhood customer service, it provides these to restaurants, hotels, healthcare, and educational facilities. It also owns a specialty food company that offers premium international cheese and charcuterie meats.

3. Mclane Foodservice

The Mclane Company is a sizable supply chain service provider specializing in the nationwide distribution of groceries and household goods. 

In 1894, it was just a little retail grocery store. 

It now ranks among the biggest American suppliers of supply chain services. Some of its major customers are convenience stores, discount stores, wholesale clubs, drugstores, and other merchants. Its network for distribution and logistics has unquestionably expanded. It provides a variety of goods, including pre-packaged fresh food, alcohol, and supplies for chain restaurants.

4. Gordon Food Service

It is a family-owned food wholesaler established in 1987 in North America. Along with supplying food service establishments, it also prioritizes sustainable food and environmentally friendly operations. The business has become known for its cutting-edge methods of managing the modern food supply chain. Customers order a seemingly unlimited variety of goods, including frozen goods, kitchenware, fresh produce, meat, beverages, take-out containers, cleaning supplies, and even pre-cooked dinners.

5. US Foods

It was established in 1989 and was formerly known as US Foodservice. It is a significant American food wholesaler that operates mainly domestically. The majority of the food service industry in the US is controlled by it and Sysco.

With US Foods, about 300,000 eateries are connected. US Foods runs a nationwide network of 100 distribution facilities. Despite being primarily a food distributor, they also focus on supplies and equipment for the food service industry. Success in a restaurant goes well beyond delicious food; it also depends on the restaurant food supply. At US Foods, they take a closer look at your company and consider its current strengths and future possibilities.

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Inventory management is a methodology that aids companies monitor their stock and inventory stages. Companies can use many techniques to optimize their inventory and maximise profits. 

The five inventory control techniques that are most commonly used by businesses are:

1. First In, First Out (FIFO)
2. Average Cost Method
3. Last In, First Out (LIFO)
4. EOQ (Economic Order Quantity)
5. JIT (Just in Time) 

• First In, First Out (FIFO)

The First In, First Out (FIFO) inventory control technique is based on the principle that the first items to be stocked in inventory are also the first items to be sold. This technique is often used in businesses where inventory has a short shelf life or where products go out of fashion quickly.

Advantages of using the FIFO technique include:

– Reduced inventory costs as older items are sold before they reach their expiration date

– Increased sales as newer items are more likely to be in demand

– Simplicity of implementation

Disadvantages of using the FIFO technique include:

– Out-of-date products may be sold to customers if they are not managed properly

– Perishable products may go to waste if they are not sold in time

2. Average Cost Method

Under this method, the average cost of all units purchased is calculated and used as the standard cost for valuing inventory. This technique best suits businesses that buy large quantities of inventory at a time and want to smooth out price fluctuations.

Also, there is- 

• The Weighted Average Cost Method

This method is similar to the average cost method, but it considers that businesses usually purchase different quantities of inventory at other times. Under this technique, the weighted average cost of all units purchased is used as the standard cost for valuing inventory

• Last In, First Out (LIFO)

LIFO is one of several inventory control techniques used to manage stock levels and optimize inventory turnover. In the LIFO system, goods that are received last are also the first to be sold or used. This technique is often used in businesses where products have a short shelf life or are subject to rapid changes in fashion or technology.

LIFO can benefit businesses as it minimizes the risk of stock obsolescence and allows firms to take advantage of price increases on raw materials or finished goods. However, LIFO can also lead to higher inventory costs and may not be suitable for all businesses.

If you are considering using LIFO for your business, you must speak to a qualified accountant or inventory management specialist to ensure it is the right fit.

• Disadvantages of using the LIFO Technique–

-LIFO can lead to higher inventory costs as businesses must keep more stock to ensure they can meet customer demand.

– This technique can also result in lower levels of customer service as businesses may not be able to fulfil orders for products sold out.

-In addition, LIFO can create accounting complexities and may not be suitable for businesses that operate in multiple jurisdictions.

• Economic Order Quantity (EOQ)

The Economic Order Quantity i.e. model is one of the most crucial inventory control techniques. The EOQ model is based on the premise that there is a trade-off between the cost of ordering and holding inventory. The prime goal of the EOQ model is to track the order quantity which reduces the total cost of inventory.

There are several advantages to using the EOQ model:

1. It is relatively simple to calculate.
2. It considers both the ordering and holding costs of inventory.
3. The EOQ model can be used to compare different inventory control policies.

There are some drawbacks to deploying the EOQ model. First, it assumes that demand for the product is constant. But, this might have some exceptions. Second, it believes that the inventory holding cost is regular. This may not be the case if the inventory is perishable or if there are storage costs associated with the inventory.

• JIT (Just in Time) System 

Another common inventory control technique is the just-in-time (JIT) system. The JIT system is based on the premise that inventory should be ordered and received only as needed. The main aim of the JIT system is to reduce the inventory amount to be paid. 

Below are some advantages to using the JIT system:

1. Minimizes the inventory amount so a company to stay
2. Enhanced usage of resources since inventory is unoccupied 
3. For better-improved quality, deploy the JIT system since this helps reduce the probability of problematic things that are sent to the users. 

Below are also some drawbacks/ disadvantages of the JIT system:

1. Need a deep connection betwixt customers and suppliers
2. Tough for operations if they cannot be properly managed.
3. Might not be apt for all products.

The inventory control technique that is best for a particular company depends on the products it sells, the nature of its business, and its specific needs. There exists no such approach to inventory management. Each company must carefully consider its options and select the best inventory control technique suited to its particular situation.

Just in Time (JIT) inventory control is a system where inventory is delivered or produced only as needed and not before. The goal of JIT is to reduce waste as well as enhance transformation by lowering the amount of inventory on hand. JIT can be used in manufacturing and other areas, such as marketing and customer service.

JIT inventory control has several benefits, including reducing the amount of space needed to store inventory, reducing inventory cost, and increasing inventory level accuracy. JIT can also enhance customer support by lowering lead times and making sure that products are available whenever required. 

One potential downside of JIT is that it can lead to stockouts if inventory is not managed carefully. JIT also requires close coordination between suppliers and customers to maintain inventory levels.

Despite the potential challenges, JIT inventory control can be a powerful tool for optimizing stock levels and reducing waste. When implemented correctly, JIT can help businesses improve their bottom line.

Conclusion 

There are a variety of inventory control techniques that can be used to optimize stock levels and reduce waste. These control techniques include just-in-time (JIT) inventory control, ABC analysis, and Economic Order Quantity (EOQ).

Each inventory control technique has advantages and disadvantages, so selecting the proper method for your business is essential. So, get the best inventory control techniques for stock optimization per the requirements.

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In UAE it is impossible to drive a car without car insurance. Car insurance Dubai suggests that it is illegal to drive a car in the country without insurance. Irrespective of the fact whether you drive your car well, and follow the safety protocols it is mandatory. If you do not comply with the same then the authorities are likely to confiscate your vehicle. You may be subject to hefty fines. Just like purchasing health insurance when you purchase car insurance, there are a few pointers you need to keep in mind.

Figure out the options that you have and there is no need to rush

Numerous options are available in the market when it comes to insurance and a careful look will make you feel stunned. Due to the marketing strategies that these companies adopt you could feel the urge to purchase one at the earliest, but whereby you go on to ignore the exclusions and inclusions that are part of these policies. Add ones or no claims discounts are a few of them. So, you need to sit, back, relax, and observe all the protocols in mind before you go on to choose a car insurance policy.

Seeking the right type of advice is important

If you are purchasing the first car in UAE you will feel it a daunting task to purchase a car insurance policy. But with the right form of advice from a professional, the task becomes easy of choosing a car insurance policy. So, before you are choosing a car insurance policy it is better that you seek out the right form of advice from a professional.

The policy that you choose should comply with your needs

There are a couple of policies like third-party or comprehensive insurance policies. You need to decide which one suits your needs as comprehensive car insurance policy turns out to be expensive for costly cars and more so if you have gone on to take a loan when it comes to purchasing a car. The reasons why people opt for a third-party insurance is that it is cheaper and moreover it turns out to be a minimum requirement of sorts. So, the rule is clear cut as you need to choose an insurance policy that complies with your needs.

Competition turns out to be the key

There are numerous insurance providers in the market and each of them providers their own set of policies that is based on certain given conditions. So it is better that you undertake a proper comparison and choose an insurance policy that aligns with your requirements

Do your Maths properly

Before you go on to choose any insurance provider you need to have an idea on how the calculations are going to help you.

Before you go on to choose any insurance provider you need to have an idea on how the calculations are going to help you. The premium is calculated based on the age of the car, the drivers history and a few other parameters. Rates tends to be in the range of 3 % to 8 % but it would be dependent upon the other factors. Even you could resort to the use of an insurance calculator that a lot of websites provides that gives you an idea on the amount of premium that you want to pay

To conclude it is better to opt for insurance policy holders who provide option of No discounts on their policy. It is necessary that you have an idea about the various protocols that are part of the policy. .

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Financial planning at an early age can be really helpful as it can guide you about what steps you need to take in order to set yourself up for a financially independent time ahead. However, not all plans go according to what is decided on the paper. At times, when things don’t go well, you can rely upon a lender to avail personal loans. 

A personal loan is an unsecured loan. It does not need any collateral. It also is not restrictive on the type of expense you make after receiving the personal loan amount. In India, you can easily receive a personal loan amount of about 10 lakh rupees with a tenure of about 5 years. A personal loan is easy to avail as it does not have many complications & the personal loan process is swift in nature. You can receive your personal loan amount within hours after approval. 

Personal financial planning is one of the fundamental steps towards sound financial health. 5 terms can encapsulate it. The terms are as follows: 

• Savings
• Investments 
• Financial interest protection
• Tax planning 
• Retirement Planning 

Let us go into the depth of each of these terms & get a better idea about personal financial planning. 

1. Savings for the future: Life is unpredictable & we do not know what crisis may hit us at any given moment. In order to tackle such situations, we need savings. Savings are basically what remains of your income after expenses & investments. Debt instruments are a wise way to keep the money invested as well as get returns. The investment in these instruments can be easily withdrawn when the need arises. 
2. Investments: Investment is what you set aside for the future & it increases the value of the funds. It increases with passing time & in an asset. Investments are savings that add value & provide you with more money for the future. Investment can be divided as per your needs & goals. They can be short-term & long-term and can also be divided based on your risk appetite. 
3. Financial interest protection: Protecting your finances & financial interests of your dependents is an important step towards financial planning. If your finances are vulnerable to crises, you may easily face trouble. Therefore, insurance is what helps you protect your financial interests. Insurance like term insurance, health & critical illness insurance, accidental insurance & mortgage protection insurance are the best choices. 
4. Tax Planning: Tax planning is different from tax evasion. Tax planning involves making investments & other expenses in a way to save tax. Examples of tax saving sections are section 80C & section 80D, among others. 
5. Retirement planning: Planning is always for the future. So, if you are planning your finances, you need to account for your retirement as well. Leading a stress-free retirement life is what everyone dreams & aspires for. 

Taking charge of your financial status & health today is one of the smartest things you can do in these turbulent times. Consulting a mentor or a professional may help you with better guidance besides conducting research independently. 

The post Top 5 Key Aspects of Personal Financial Planning appeared first on Today News Spot.

There is something quite nostalgic about authentic leather goods. Sadly, so many of today’s fashions are made from faux suede or leather that it’s like Christmas when you come across a product that is made from genuine leather. Although leather fetches a higher price than manmade faux leather, most fashion-conscious consumers are willing to pay top dollar for leather – the real thing. If you are in the process of starting a leather goods business, take a few moments to learn a few tips and tricks to get your business off to a running start.

1. Design a Logo for Your Brand

In any business within any industry, your logo is something that will almost always be identified with your brand. Therefore, your logo is going to be a key component in all your marketing strategies. However, when it comes to leather goods, your logo is even more important because you will want it embossed on literally every product you design and put on the market.

You’ve seen those time-honored denim jeans with the leather patch on the back of the pants, just below belt level. However, even though that leather patch is associated with those jeans, it doesn’t have that extra bit of elegance that an embossed logo would have. Embossing your logo gives it that third dimension so it goes beyond visual. It can be felt. To accomplish this, you would probably want a copper die for sheet fed applications like you can find on the following page: https://universalengraving.com/product-pages/sheet-fed-dies/copper.

2. Freebies Clinch the Deal

Leather goods is the perfect industry to create freebies as a gift with purchases over a certain amount. Again, using that same copper die for sheet fed applications, you could have key chains manufactured to give as gifts. Not only will this create a scenario in which the customer is likely to bring their ticket up to the required sales amount to get that freebie, but a keychain is instant marketing.

It’s like getting two for the price of one! You’ve just found a way to increase the total sales amount while getting what amounts to ‘free’ advertising. No, it isn’t exactly free because you paid the embossing costs on top of the cost to make the key fob, but the residual advertising you will get from each and every fob is well worth the investment.

3. Offer Personalized Items

Leather offers the perfect opportunity to up the sales price on items you carry. Typical leather items that customers want personalized could be wallets, purses, briefcases, and even cowhide belts. While you may want to use a laser engraving process for personalizing these kinds of gift products, that process goes nicely with items that have been embossed as part of the design.

Country and Western boots and belts are often embossed with saddles, horseshoes and other designs common to the genre. It’s a whole market waiting to be explored but when you can personalize those items as well, you’ve just grown your market by at least 100%.

4. Pay Careful Attention to Packaging

Here’s another very important tip. Have you ever seen someone pick up an item that they aren’t quite sure if it’s leather or not? What is the very first thing that they do? That’s right! They bring it up to their nose to smell. There’s something almost intoxicating about the smell of authentic leather such as cowhide, and that is how most people determine whether it’s fake or real.

When packaging, make sure to enclose any authentic leather item in an airtight bag. The moment it’s opened that lovely aroma will float up to the customer’s olfactory organ – their nose – and the buyer will know immediately, beyond a shadow of a doubt, that they have just purchased a real leather item.

A Key Takeaway

One of the reasons why so many entrepreneurs are reluctant to start a leather goods business is because leather is more expensive than its synthetic counterpart. They are afraid that consumers won’t want to pay the high cost of leather. While this may be true some of the time, there are really too few authentic leather products on the market and that is why authentic leather sells.

In other words, leather has become iconic within a certain crowd. It’s fashionable within a circle of those who can easily afford it but for those who struggle, they’ll find a way to buy at least one or two of your designs made of authentic leather, embossed and personalized. Isn’t it wonderful what influencers can do for your business?

The post 4 Tips and Tricks for a Leather Goods Startup appeared first on Today News Spot.

Fixed deposits, often known as FDs, are types of financial instruments that provide investors with a secure and risk-free way to build wealth through the accumulation of compound interest. Many people are unaware of the fact that FDs are made available not only by banks but also by various non-banking financial institutions. 

Fixed Deposit is a safe and popular investment option that guarantees constant interest rates, offers special rates for senior citizens, offers multiple interest payment options, and is not subject to market risks. FD accounts can be opened in a bank because they are the most secure place. FDs offered by banks have lower risks than any other comparable alternative. As a result, your money is secured; if the bank completely shuts down its operations, your security deposit amount will be paid as compensation. 

An NBFC fixed deposit is an investment option offered by various non-banking financial institutions. According to the Companies Act, a Non-Banking Financial Company has a primary objective of leasing, arranging loans or investments, hire-purchase insurance, and receiving deposits by chit funds in a lump sum or arrangement of installments under any scheme. 

Which investment option provides high FD Rates – Bank or NBFC?

It is advisable to invest with NBFC if you are doing FD rates comparison between Bank FD rates and NBFC FD rates. In order to gain higher interest rates on your investments, you can invest your hard earn money in NBFCs. NBFCs offer a 1% to 2% interest rate hike when compared to banks, so it is a good thing to invest in NBFC offering higher rate of interest. 

Difference between Bank FD vs NBFC FD

Tenure 

Usually, bank deposit schemes with varying tenures are available that range between 7 days and up to 10 years. In contrast, in the NBFCs, the deposit period is slightly different. In most cases, the minimum tenure starts at 12 months, and the maximum tenure is close to 5 years.

Security for the amount invested 

When you deposit money in a bank FD after doing FD rates comparison, the amount you deposit is insured to a maximum of INR 5 lakhs. When the bank winds up its operations, the bank will refund you up to INR 5 lakhs. The money you deposit with a bank through a fixed deposit is safe and secure. There is no need to worry about your investments. An NBFC provides no such security for an FD. The insurance cover of INR 5 lakhs is available only for bank deposits. It is important to note that NBFC FDs are risky in any way. 

Interest rate 

After FD rates comparison, you can observe that fixed deposits offered by banks generally have lower interest rates than those offered by NBFC. The interest rate might begin at 2.50% and rise to 6.5% or 7% in the future in bank fixed deposit. However, fixed deposits offered by NBFCs have attractive interest rates, starting at 7% and increasing to 8.50% and even higher than that. 

Tax benefits 

As a result of investing in a 5-year deposit plan offered by a bank, the amount you invest in FD after doing FD rates comparison would be allowed as a deduction from your taxable income. A deduction of up to INR 1.5 lakhs can be considered under Section 80C. In contrast, senior citizens can take advantage of interest income up to Rs 50,000 in tax-free Section 80TTB of the Income Tax Act, 1961. There is no tax benefit on the interest you earn when investing in an NBFC FD. 

Final Words

A bank fixed deposit offers good tax benefits. In contrast, an NBFC FD is a great choice because of its higher interest rate, cumulative interest, and tax benefits. If your income is unstable and your expenses are higher, do not avail of the NBFC FD since they have a higher deposit penalty for premature withdrawals. Before investing in Bank FD or NBFC FD. You should perform FD rates comparison and compare the maturity amount by using fixed deposit rates calculator tool online to make better decision. 

Bank fixed deposits are the best choice because they offer a very long tenure, and when the tenure is long, it is possible to expect long-term interest. In contrast, NBFC FDs are only available for up to five years. The presence of both fixed deposits is the best of both, but it is essential to choose the right fixed deposit based on the investor’s goals.

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Online purchases have extended to a limit, where a study revealed that 95% of purchases will be done online by 2040. In recent years, the ecommerce industry has witnessed a significant shift in customer dynamics, paving the way for new businesses to step forth in this industry. Although the competition is pretty high, the opportunities are lucrative, and any new business can earn lucrative profits, provided they have everything right. 

Out of many things a new business needs, the online ecommerce store matters the most. If the store is not up to date or doesn’t have the latest features, the businesses can’t make profits and gain enough market exposure. To ensure their online store functions as you have predicted, you need online CMS and web builder platforms like WooCommerce and Ecwid. While they have become quite popular in recent years, choosing the best one is impossible.

In this blog we have compared WooCommerce and Ecwid. The information will help you take informed decision on whether to go for Ecwid or WooCommerce development services.

Ecwid VS WooCommerce: A comparative study

Ecwid is an online site builder allowing you to sell your products across a wide range of e-commerce platforms, from Amazon POS to Facebook, WordPress, etc. It offers maximum flexibility since you can manage different channels from the same platform without messing up the operations. On the other hand, WooCommerce is a site builder that can convert any WordPress website into an online ecommerce store. 

Many confuse these two platforms and choose the wrong one that fails to meet their ends. Owing to this, we have compared Ecwid VS WooCommerce, in brief, to ensure you can make the right decision without compromising anything else.

Pricing

Ecwid offers a free plan where users can access basic features like gift card templates, social media ad channels, and the online site builder. In addition, you can upload 10 products to your online store using the free plan. For more flexibility and bandwidth, you need to go for paid plans according to your requirements. 

Below are the pricing plans of Ecwid that you can opt for:

1. Venture: You can integrate your ecommerce store with Instagram and Facebook through this pack at a rate of $ 15 per month. In addition, you will also get access to features like discount coupons, mobile POS, and stock and inventory tracking. 
2. Business: Coming at a price of $35 per month, this plan supports about 2500 products you can easily upload on eBay and Amazon. The built-in features are amazing, from automated email marketing to advanced product filters.
3. Unlimited: Worth $99 per month, this plan allows you to upload an unlimited number of products to the online store. In addition, you will get access to all the built-in features, from priority support to brand reputation management. 

WooCommerce does not come with any pricing plan for setting up an online store. Instead, you can use the app features without paying any money. However, for extensions and some additional features, in-app purchases will be allowed, ranging between $50 and $200. Apart from this, you need to pay separately for the theme template you have chosen for your store and the hosting plans. Therefore, if we consider the overall scenario, WooCommerce is cheaper than Ecwid. Usability and UI

Usability and UI

Regarding the user interface, Ecwid is a challenging platform because it comes with two different dashboards. Besides, it combines all the sales channels. It shows them in one window, making it difficult to keep track of all activities like product modification, transactions, sales, revenues, etc. 

Although WooCommerce comes with only one dashboard based on WordPress, most WooCommerce development services use multiple extensions to take the online store to the next level. Managing all these extensions is not a joke; users often end up being confused. That’s why people need to hire a web developer to develop the best online store for their ecommerce business. 

Support 

Ecwid comes with a wide range of support elements and dedicated customer service. For instance, it incorporates a help center, online guides, API documentation, an auto chatbot, etc. In addition, it also supports a 24/7 customer channel to ensure no user has to wait for the next day to get a resolution.

WooCommerce, on the other hand, comes with several more guides, including a well-documented resource from which users can know about the features and their functions in detail. However, it lacks clarity in the context of dedicated customer support for the users. 

Conclusion 

Although the ecommerce market is multiplying, only 2.86% of website visits are converted to purchases. So, you need to invest in the right platform before choosing WooCommerce development services. This comparative guide will help you understand whether Ecwid is suitable for fulfilling your requirements or WooCommerce.

The post Ecwid VS WooCommerce: Short Guide to End your Confusion appeared first on Today News Spot.

What Is Adderall 20mg?

If you suffer from ADHD and are managing its symptoms on your own, using different medicines temporarily then, it is not going to work in the long run. Attention Deficit Hyperactivity Disorder (ADHD) can cause you to struggle with concentration, focus, and time management. It is best to consult with the doctor at the onset of its symptoms before it gets too late. Among many available medicines for ADHD, Adderall is one of the trusted medicines with stimulating effects that helps increase focus and alertness, retaining the level of norepinephrine and dopamine in the brain. If you have difficulty impulsivity, focusing, thinking, or disorganization, then you are not alone. 

Due to the cluttered torrents of thoughts, it is impossible to keep ourselves motivated amid the negativity that continues to pose challenges. If you are too distracted by something you like or even things you don’t like, your ability to process thoughts gets affected or hindered. This is what we may call ADHD which comes in the way of our thinking, impeding us to process our thoughts properly. 

Mechanism of Action and Uses of Adderall 20mg

The best to deal with ADHD is to Buy Adderall 20mg Online USA and even before that meet the licensed medical provider who will ascertain the real cause of the symptoms and provide you with a dose accordingly. A healthcare professional after evaluating your medical condition will determine whether you suffer from ADHD or not. On the basis of the report, it will be decided whether Adderall is right for you or not for the treatment. 

Adderall contains amphetamine and dextroamphetamine that act as stimulants of the central nervous system attributed to affecting chemicals in the brain and nerves. The salts dextroamphetamine and amphetamine are known to control the impulses and hyperactivity going in the brain. 

When you Buy anti anxiety tablets USA from our reputed online pharmacy and start using them as recommended by the doctor, from day one, you feel relieved with decreased abnormalities in the brain as the medicine is known to improve the functioning of various parts of the brain. Before taking Adderall 20mg Online USA, talk to the doctor and do not feel intimidated by his recommendations. Use the medicine as prescribed by him for a short term and reap the benefits of Adderall. 

Important Information About Adderall 

Adderall is a controlled substance because of its stronger effects on the brain. The use of medicine is regulated by the government along with its possession and manufacturing. Online Pharmas places importance on the health of individuals and provides them with medicinesthatare FDA-approved. For people having issues with AHHD, Adderall is considered to be the apt medicine to get soothing relief from debilitating symptoms. You can be susceptible to some expected and possible side effects caused by ADHD such as fatigue, paranoia, and irritability. Get your proper diagnosis done by the therapist to ensure, that Adderall should do justice to your health.

Provide Your Detailed Medical History To The Doctor 

Share your comprehensive medical history with the doctor to help him understand your medical condition. Upon the analysis of your condition, he will determine whether suggesting Adderall is right or not to treat ADHD. if you ever had any health conditions or are still struggling, let your doctor know. Conditions such as mental health disorders, cardiovascular diseases, or liver problems should not be hidden. Such health conditions may act as a barrier when taking Anti Anxiety Tablets so, it is important to know everything about the medicine before using it.

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Trying new things is always a great way to explore more of the world, whether you plan to try out a new hobby, or a new cuisine. Keeping your life interesting by getting out there, is one of the best things you can do to experience more of what daily life has to offer. This is why many people love to travel around the world: to witness brand new sights, meet new people, and indulge in delicious food that they have never tried before. You will bring all of these beautiful memories back with you, and they will influence the way you look at the world and maybe even alter how you cook! A lot of travelers end up coming back home to use the new skills they have learned in another country – to recreate the delicacies they enjoyed while they were there.

Japanese

Japanese food is one of the most popular cuisines around the world, especially since most people will have tried sushi at least once in their life. It is important to note, that not all sushi is made with raw fish though – there is a wide selection of sushi dishes that are perfect for vegetarians and vegans. There are even plenty of chicken and duck options for sushi too, as many people do not feel comfortable eating raw fish. The world-famous dish of Katsu Curry, also originated in Japan, and while it is often found in supermarkets these days, nothing beats the authentic dish from Japan.

Indian

Indian cuisine is arguably one of the most well-loved amongst households all around the world, due to the delicious aromatic blend of spices and creamy sauces. Whether you are a fan of extremely spicy curries with tons of chilies, or you prefer milder dishes like Korma and Tikka Masala, there is bound to be something within Indian cuisine that resonates with your taste palate. There’s a large variety of snack foods too, such as Samosas and spiced kebabs, which are delectable, like the ones sold at the Urban Tandoor. Indian cuisine has a large range of tasty dishes, and plenty of vegetarian and vegan options, thanks to the abundance of vegetable dishes available.

Korean

If you have ever been to Korea, you are probably aware of the famous Korean Barbeque. It is an incredible spread of delicate meat, adorned with sauces and spices that you grill by yourself at the table! The flavor quickly caught on – other countries have adopted the “Korean BBQ” flavor, but nothing beats the authenticity of an actual Korean Barbeque experience. Devouring smoky meat, paired with flavorsome sauces, washed down with a refreshing drink, is a popular way for students to spend their lunch-times in Korea, and many groups of friends enjoy hanging out and eating together. What could be better than socializing with your friends, while chowing down on some tasty Korean food?!

There are many cuisines around the world that deserve so much more attention and should be experienced by everyone. Fusion food has become incredibly popular in recent years thanks to those who love to cook and travel. They bring back inspirational ideas from their travels and blend them with their own local delicacies, to create tasty combinations!

The post You Need to Try these Top Cuisines! appeared first on Today News Spot.

Many aspiring home buyers fund their purchases with a housing loan. Apart from providing financial support to buy a fixed asset, a home loan also enables a borrower to avail of several tax benefits according to the Income Tax laws. Sections 80C and 24 provide multiple tax benefits to home loan borrowers. However, one may increase their benefits by taking a joint loan. All the co-applicants receive tax benefits, which means several individuals can make higher tax savings by co-applying for a home loan. 

Know About the Tax Benefits of a Joint Home Loan 

For joint home loans, all the co-borrowers receive the applicable joint home loan tax benefit. It means they can share the tax deductions, especially if they share the annual home loan payments. It is applicable for a single loan product, which is a joint house loan. These are a few tax benefits one may avail:

• Tax Benefits Under Section 80C

Under the Income Tax Act Section 80C, each co-applicant can claim a tax deduction of up to Rs. 1.5 lakh per annum on loan EMI’s principal amount. The exemption includes other investment contributions, including life insurance premiums, PPF, etc. However, this deduction is applicable for fully-constructed properties only, and they should be self-occupied by the borrower. 

• Tax Benefits Under Section 24(B)

Under this section, joint home loan borrowers can claim tax deductions of up to Rs. 2 lakh per annum on the loan EMI’s principal and interest components. This deduction is applicable whether the borrower self-occupied or rents out the property after purchase. However, one condition is that the property’s construction should finish within five years of the home loan application online and disbursal. Otherwise, the tax benefit will reduce to Rs. 30,000 per annum.

Conditions to Avail Tax Benefits on Joint Home Loans

These are a few conditions that one must fulfill to claim a joint home loan tax benefit:

• The proportion of the loan ownership determines the fraction of the tax benefit for each co-applicant.
• Each candidate can claim not more than the maximum tax benefit through a home loan, which is Rs. 1.5 lakh per borrower and Rs. 2 lakh for the principal repaid.
• The home loan must be taken by providing the names of two individuals.
• Each co-applicant’s share of loan ownership should be mentioned in the loan agreement in percentages.
• The co-applicant must be a close family member.

Besides these, one may avail of tax benefits on joint properties under three situations outlined below:

• The borrower claiming tax benefit should be the property’s co-owner as well.

One must be a property’s co-owner to avail of tax benefits for a joint loan. According to the loan agreement, co-borrowers who jointly apply for a home loan must share the property’s ownership as well to claim any tax benefits. 

• The individual claiming tax benefits should be the home loan’s co-borrower.

An individual claiming the tax benefit should co-apply for the loan and contribute towards its repayment.

• The property must be constructed completely.

Tax benefits on residential properties are applicable only after their complete construction. A property that is under construction is ineligible for tax incentives. On the other hand, an individual can claim any expenses made before the property’s construction in equal payments afterward. 

What if the Borrowers Take a Loan from Friends and Family Rather than a Home Loan?

If an aspiring home buyer borrows a loan from a friend or relative and pays interest to them, they may avail of tax benefits on the interest payment under Section 24. However, they must provide a formal certificate for the same. The person receiving income from the interest is also liable to pay the income tax. For such individuals, there are no tax exemptions on the principal loan amount, which is why it is wiser to take a home loan rather than borrow from friends or relatives.

As mentioned above, home loan co-applicants may avail of a joint home loan tax benefit in multiple ways. They may also claim exemptions on stamp duty and registration fees. So, apply for a home loan jointly and maximize tax benefits while becoming a proud homeowner. Additionally, joint loans are always beneficial, as they increase the loan amount and reduce the repayment burden through the power of sharing.

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The EMI (Equated Monthly Instalment) mode of payment enables a borrower to re-pay the loan amount on equal monthly instalments. It includes repayment of the principal amount and interest payment on the home loan’s outstanding amount. However, manually computing EMIs can be tricky as it may comprise errors. This is why using a home loan interest calculator is recommended. 

How to calculate home loan EMI?

The formula for computing EMI on a home loan is:

P x R x (1+R) ^N / [(1+R) ^N-1] where-

P = Principal amount

N = Loan tenor (in months)

R = Monthly / Annual interest rate

To do away with this tedious calculation and avoid chances of errors, reputed financial institutions provide an online home loan interest calculator to simplify the process.

Applicants can determine the EMIs by providing three information on the calculator to get accurate results including:

• Principle amount
• Tenor
• Interest rate

Features of housing loan EMI calculator

• The EMI calculator for home loans is an online platform where a customer easily analyses his/her monthly loan instalment. 
• A borrower only needs to enter the desired loan amount, interest rate, and loan tenor. 
• The house loan interest calculator will determine the amount a borrower has to pay per month. 
• Nevertheless, the home loan interest calculator facilitates borrowers to schedule their home loan repayment according to their affordability.

List of documents required for housing loan

Applicants need to submit the following documents while applying for a housing loan. They are as follows:

• KYC documents (includes Aadhar card, driving licence, passport, voter ID card etc.)
• Employment ID
• Salary slips (last two months)
• Bank account statements for the last three months (for salaried individuals)
• Bank account statements for the last six months (for self-employed professionals)
• Income tax returns for last the 3 years (for self-employed professionals)
• Property related documents

Benefits of calculating EMI before availing of a home loan

The three benefits of computing EMI before going for a home loan are:

• Helps in deciding the borrowing amount
• Arrangements for repayment 
• Helps in planning prepayments  

However, prospective applicants must check whether they qualify the eligibility criteria set by their respective lenders.

What are the home loan eligibility criteria?

Home loan eligibility criteria vary from lender to lender. Further, the parameters depend on the employment of the borrowers. A few criteria among them are as follows:

For salaried individuals 

• The borrower must be an Indian citizen.
• Applicants must have a minimum of 3 years of working experience.
• The age range must be between 23 and 62 years.
• CIBIL score has to be 685 or above

For self-employed individuals

• The borrower must be an Indian citizen.
• Must have a minimum of 5 years of working experience.
• The age range must be between 25 and 70 years.
• CIBIL score has to be 685 or above

Nevertheless, applicants should consider the 6 factors affecting their home loan eligibility.

To get a home loan, maintaining a top-notch credit score is not mandatory as it is a secured loan. However, retaining a healthy credit score can always be beneficial, despite the type of loan a borrower wants. This is because financial institutions offer reasonable interest rates when the credit score is high. An individual can check how credit score can determine their home loan EMIs.

For instance, many financial institutions provide pre-approved offers that escalate the lending process. They provide these offers on various financial products like home loans, loans against property etc. Applicants can check their pre-approved offers by entering details like their names and contact numbers.

Lastly, a borrower needs to be cautious before taking a housing loan and must read every necessary term and condition. If they find any difficulty calculating EMIs, they can take the help of a home loan interest calculator to overcome the situation.

The post How to Calculate new Home Loan EMI Based on Interest Rates? appeared first on Today News Spot.

Flipkart is one of India’s largest online selling hubs. Ever since the onset of the pandemic, it has been gaining traction all over again. So this is the best time to become an online seller here. But that is not all. There are many other reasons to become a part of Flipkart’s online seller. Some range from the numerous catalog partners it offers to the credible reputation it holds in the market.

1. A Reliable Brand

The e-commerce company has become the largest selling hub for every online seller across India. From fashion, lifestyle, and groceries to home essentials, one can choose to sell anything and everything on this platform. What is more interesting is that the company features some of the biggest owners like Walmart, Tencent, and Microsoft, which foster its online credibility in the Indian market. That is why it always ends up making high amounts of profit. So, as an online seller, you will have the safety and security of selling products via an esteemed brand that is also likely to leave you with minimal complications and risk of fraud.

2. Quick And Efficient Catalog Designs

Your product catalog is essential to grab the maximum audience and turn them into potential buyers. So, as an online seller, working under Flipkart will help you create some of the most useful and quick catalog designs. Now, you can expect to create catalog designs seamlessly and develop them with minimal hassles. Once you are ready with your professional catalog, audiences are bound to flock around your products and make sufficient purchases on time.

3. Large Audience Base

Generally, creating your website can be quite tiresome. It also takes longer to create an audience base that stands out and wishes to buy your products timely. But when you sell products via Flipkart, you can leverage its large audience base and turn them into prospective buyers for your products. It also implies that you don’t have to waste time and energy mapping out your target audience. Flipkart makes all of this readily available to you. This is also one of the easiest ways to make a good profit and improve your online visibility.

4. Access To Pan India Market

Generally, it takes brands several years to reach out to a Pan India market. It is also not easy to retain them because this comes at a costly price. However, Flipkart allows you to gain access to a Pan India market in no time. It also allows you to engage with them without any hindrance.

5. A Great Learning Opportunity

Flipkart is a massive platform with innumerable sellers and buyers and an even more significant opportunity for growth. Amidst a range of competitors, you will have access to the largest learning opportunity to grow your business as an online seller.

6. Convenient User Interface

Most online sellers choose Flipkart as their preferred e-commerce site for selling products for several reasons. But the most crucial reason is always the convenience it offers via its easy user interface. Flipkart has the most sorted dashboard with an excellent navigation system, clutter-free website, and great mobile optimization.

Flipkart promises a solid platform for every online seller who wants to expand their business and improve its profitability. So, make the most of it by becoming a potential seller at Flipkart today.

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There are a variety of CFDs and CFD assets to be aware of when trading. We will outline the different types of CFDs and CFD assets available and provide an overview of each. We will also discuss the benefits and risks of trading CFDs and CFD assets. If you want to get started in the world of CFDs, this is for you.

What is a CFD, and what are the benefits of trading them?

A CFD, or Contract for Difference, is a type of derivative trading. It means that you are not buying the underlying asset itself but are speculating on the asset’s price movement. For example, if you think that the price of gold will rise, you could buy a gold CFD. If the price of gold does indeed rise, then you will make a profit on your trade. However, if the price falls, then you will incur a loss.

CFDs offer many benefits to traders. One of the most significant advantages is leverage. Leverage allows you to trade with more money than you have in your account. For example, if a broker offers 1:10 leverage and you have $1,000 in your account, you can trade with $10,000. It means that you can make a larger profit (or loss) on your trade than if you had just traded with the $1,000 in your account.

Another benefit of CFDs is that you can trade on various assets. You are not restricted to just stocks or commodities but can also trade on indices, forex, and even cryptocurrencies. It gives you a lot of flexibility when choosing what to trade.

The different types of CFDs available and how to choose the right one for you

There are a variety of CFDs available, and it is crucial to choose the right one for your needs. One thing to consider is the asset you want to trade on. For example, if you want to trade on gold, you would need to find a gold CFD. Another thing to consider is the leverage that you want to use. Some brokers offer high leverage, which can be risky, while others offer lower leverage. It would help if you decided what is best for your trading style.

Once you have considered these factors, you can then choose from the different types of CFDs available. The most common type of CFD is the cash-settled CFD. This type of CFD is settled in cash and does not involve the underlying asset; it is the simplest type of CFD and is suitable for new traders.

The other type of CFD is the physical-settled CFD. This type of CFD involves the underlying asset and is settled in the asset itself. For example, if you were to trade a gold CFD, you would be required to take delivery of the gold if you were to profit from your trade. Physical-settled CFDs are more complex than cash-settled CFDs and unsuitable for new traders.

CFD asset classifications and why they matter

CFDs can be classified into four asset classes: stocks, commodities, indices, and forex. When choosing a CFD to trade, you must consider the asset class. Each asset class has its risks and rewards.

Stocks are CFDs that are based on the shares of a company. They are volatile and risky to trade; however, they can also offer high returns.

Commodities are CFDs based on raw materials such as gold, oil, or corn. Depending on the commodity, they can be volatile and risky to trade (for example, oil). However, commodities such as gold are generally seen as ‘safe havens’ for investors. Therefore, whether or not an investor can yield high returns depends on their investment choice.

Indices are CFDs that are based on a basket of assets. For example, the S&P 500 is an index comprising the 500 largest companies in the US. Indices are less volatile than stocks and may offer lower returns.

Forex is CFDs that are based on currency pairs. For example, the EUR/USD is a currency pair consisting of the Euro and US Dollar. Forex is also generally less volatile than stocks and may offer lower returns. As currencies move in small increments, there may also be a need to open large position sizes to generate large profits.

The risks and rewards of trading CFDs

CFDs are a risky investment, and you can lose all of your capital if the markets go against you, regardless of which asset you decide to invest in. You need to be aware of the risks before you start trading.

The most common risk is the leverage risk. It is the risk of losing more money than you have in your account, and leverage can magnify your profits and losses.

Another risk is the market risk, the risk that the market will move against you, and market risk can also be magnified by leverage.

You need to be aware of these risks before you start trading CFDs. You can use a demo account to test your strategies before you start trading with real money; follow this link to find out more https://www.home.saxo/en-sg/products/cfds.

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As an economy with robust growth, India has seen a rise in the salaried middle-class with a high propensity to spend. Personal loans are a convenient financial product offered by reputed lending institutions at attractive interest rates to meet various financial requirements and fulfill aspirations. As per the apex bank RBI, the personal loans market is growing at a healthy pace of 12.3% which is expected to be sustained and even increase year on year.  

These loans are available with flexible repayment tenures as per the convenience of the customer. Borrowers need to consider various aspects of the personal loan and the repayment options while applying for one to avoid an unnecessary financial burden during the loan repayment. Apart from that before going applying for a loan must check and analyze the interest rate on a personal loan for different financial institutions.One of the helpful tools for borrowers to make a wise and informed decision is a loan calculator. (Cal

What is a Personal Loan EMI Calculator? 

A personal loan EMI calculator is a ready-to-use online tool offered by the lending institutions on their official website. As the name suggests, it helps calculate the loan EMIs that a borrower will need to pay every month to the lending institution to repay the loan. It helps the borrowers to apply for a loan according to their repayment capacity and avoid taking up an excess financial obligation which may lead to unnecessary debt in the future.  

An online EMI calculator has other uses that can help decide on various aspects of a loan. Let us find out how to utilize a personal loan calculator. 

Importance of an Online Personal Loan EMI Calculator

Personal loan approval depends on various parameters. Using an online calculator, individuals can calculate their repayment obligations based on these parameters. Make loan approval easier and more convenient in the following way: 

• Determine the amount of EMI that can be conveniently paid: EMI is the primary concern of every borrower. One can estimate the loan EMIs in advance using the online calculator. It can determine the value of each EMI and the number of EMIs that a borrower will need to repay the loan. The borrower can calculate whether the loan is affordable or not. With such insights, the borrower can plan their expenses during the loan tenure to avoid any unnecessary financial issues.
• Choose the suitable loan tenure: The borrower needs to choose suitable loan tenure. The calculator can help find the right tenure for a borrower. If borrowers can afford to pay a large amount for EMIs, they can choose a short-term loan tenure, and if not, they can choose a long-term loan. A combination of different values and numbers of the EMIs should be tried to arrive at the most suitable tenure.
• Know your applicable interest rates: The interest rate depends on many factors, including the EMIs and the loan tenure. After determining the best EMI and tenure using the calculator, the most suitable interest rate should be determined. 
• Know your loan eligibility beforehand to avoid a negative impact on your credit score: An online calculator can help you find out whether you are eligible for a personal loan or not. If not, you can avoid the consequences of a declined loan application on your credit score. A credit score plays an important role in the approval of the loan.
• Use it for free till you are satisfied with the outcome values: The lending institutions allow the borrowers to use it for free for as many times they want. Since values of all aspects related to a loan in the calculator are customizable, the values can be tried in different combinations to arrive at the most suitable and desired numbers.  

This way, the personal loan calculator helps to compare the interest rate, EMI, tenure, etc., and get the best loan terms depending on the different values selected. Thus, an individual who wants to increase the chances of personal loan approval and avoid unnecessary financial burden while repaying the loan must utilize the loan calculator. With a credit score of 750+, it will be easy to get the loan approval. 

Determine the loan eligibility within a few seconds and apply for personal loans offered by lending institutions with complete transparency and simplicity. Instant online applications can be made to get these unique and customized personal loans at competitive pricing and with minimal documentation. 

The personal loan application online process is digital. The loan amount is credited into the bank account of the applicant directly after verifying your documents. The loan amount can go as high as Rs.25 lakhs for salaried and self-employed individuals to meet planned as well as sudden financial obligations. 

The post Why is EMI Calculator Important in Getting a Personal Loan? appeared first on Today News Spot.

Dressing appropriately for your age is extremely important as a man. If you don’t know how to do it, you’ll feel and look out of place all the time. If you’re young, you will look strange if you wear things a 30-something should be wearing, and if you try to pull off hoodies and graphic t-shirts in your late 30s or early 40s, you will draw attention for all the wrong reasons. Let’s take a look at how you should dress depending on your age bracket.

How to Dress in Your 20s

If you are in your 20s, you still have space to experiment, so take advantage of it. You can still pull off outlandish trainers and you can choose funkier styles for jeans. The athletic style also looks great when you’re in your 20s.

One thing you should learn how to master in your 20s is how to match colours together. A big mistake we see younger guys make is being too “matchy-matchy”. You may assume that it looks nice and makes sense but wearing the same colour shirt and shoes is just a major faux pas. You have to learn how to break things down with neutral colours. Also know that neutral colours can never clash, so mixing them up will always look good.

How to Dress in Your 30s

It can be difficult to find your style in your 30s because not all thirty-somethings will look the same. Some will still have that youthful look while others will look older.

If you still look young, athletic clothing can still work. You will have to be more careful with things like trainers and t-shirts, however. If you are usually a Nike and graphic tees type of man, then you may want to start looking at Puma suedes and Henleys instead. And you might want to switch your hoodies for sweaters from now on.

If you look older, then you need to start adding things like loafers and sports jackets to your wardrobe. You also need to start to learn how to layer pieces. Layering is really what will make an otherwise normal outfit look effortlessly sophisticated. If you’re looking for a great place to start looking for fashionable items, you should check out Burrows & Hare.

Dressing in Your 40s, 50s, and Beyond

Dressing in your forties should be all about comfort and sophistication. You should have a few pocket squares already, but they should be a staple right now. You can also move from sports jackets to blazers. Don’t forget to dress for comfort and functionality too. 

Don’t assume that you can’t wear a pair of jeans either, though the cut will be very important. What you wear with them will change too. Trainers should be out of the question right now. Oxfords and jeans might look odd on a younger-looking 30-year-old man, but perfect on you, so don’t be afraid to upgrade. You should also have a nice selection of tailored suits by now.

Follow our tips and you will look great no matter your age. Don’t be afraid to experiment even if you’re older, however, and constantly try to find ways to personalise your style.

The post How to Dress in Your 20s, 30s, and 40s appeared first on Today News Spot.

If you have the opportunity to travel around the world as a cricket tourist, here are some of the best museums devoted to our favourite sport. Get the CricDost app, a Free cricket scoring app for grassroots players. Download now and enjoy down to the ground!

Where can I find the World’s Largest Cricket Museum?

The Blades of Glory Museum in Pune, India, is the world’s largest cricket museum. It is India’s most visited cricket museum, with an incredible collection of exhibits.

It is located in Sahakar Nagar in Pune and currently houses 2,000 items, with an additional 51,000 pieces of memorabilia waiting to be displayed. It is the largest of all current cricket museums and is beginning to attract visitors from all over the world. It is the brainchild of Rohan Pate.

Who is Rohan Pate?

Rohan Pate, the man behind the world’s largest cricket museum, is a lifelong cricket fan and former Indian Under 19 player. He began as a personal collector, bidding on items at auction.

Pate’s obsession grew after he began collecting memorabilia on the side. He has now assembled over 51,000 items, though not all of them are visible to the public as of yet.

Cricket is extremely fortunate to have a man like Rohan Pate. South Africa’s legendary fast bowler Allan Donald stated that he had never met anyone more passionate about the game and that passion has resulted in the creation of the world’s largest cricket museum.

Cricket Museums Around the World

Wellington’s New Zealand Cricket Museum

Wellington is the capital of New Zealand and has hosted many great cricket matches over the years. The ground is known as the Basin Reserve, and it is here that you will find this incredible cricket museum.

It was founded in 1987 and is used to display cricket memorabilia from all over the world, with a focus on items from its native New Zealand. Remember that this country has produced some of the world’s best players, including Sir Richard Hadlee, the country’s only cricketer to be knighted.

Hadlee’s match wear is housed in New Zealand’s cricket museum alongside that of Bert Sutcliffe and Stephen Fleming. Women’s cricket receives a lot of attention, as it should.

A visit to the New Zealand Cricket Museum is highly recommended if you’re watching a game at the Basin Reserve or if you’re just in the Wellington area.

Blades of Glory Cricket Museum, Pune, India

We’ve already met Rohan Pate’s Blades of Glory, and we know this is the world’s largest cricket museum. Over 51,000 pieces of cricket memorabilia are housed here, with approximately 2,000 of them on display to the public.

The collection includes a bat used by Donald Bradman as well as the pink ball used in the first-ever day/night test match. There are numerously signed bats, as well as clothing, helmets, stumps, books, and other items.

It is officially the largest of the world’s many cricket museums, and a visit to the Blades of Glory in Pune appears to be in order before too long.

Melbourne Cricket Museum, Australia

The Melbourne Cricket Ground hosted the world’s first-ever test match in 1877, so it’s only fitting that the city has a museum dedicated to the sport. The MCG is home to Australia’s largest cricket museum, which was officially opened in 2006.

It currently houses over 1,500 exhibits spanning much of cricket’s history. Among the many highlights is a silver urn replicating the Ashes, which were awarded to Frank Laver’s winning team in 1909.

Look out for the Blackham Ball, a well-worn cricket ball from the nineteenth century. It was used in the 1882 Ashes and was responsible for the winning delivery at Lord’s. Wicket-keeper Jack Blackham kept it for over 30 years before auctioning it off to raise funds for wounded First World War soldiers in 1916.

It stands out among the many impressive items on display at the Melbourne Cricket Museum in Australia.

Lord’s Cricket Museum, London

As the home of cricket, Lord’s should have one of the best cricket museums in the world. It’s located in northwest London and is open all year, but it can certainly add to your enjoyment of a match here.

This was the world’s largest cricket museum until the Blades of Glory location opened, and it remains a vast treasure trove of fascinating items. The Duke of Edinburgh officially opened the MCC Museum in 1953, and its most prized possession is the original Ashes Urn.

The Ashes trophy, which was created in 1888, was donated to Lord’s in 1928 and rarely leaves the grounds. If you’re going to the museum, this artifact alone is worth seeing, but there’s so much more to see.

There are a lot of player-worn kits this time around. This time, however, delves deeper into history and includes participants from all over the world. Shane Warne, Don Bradman, Jack Hobbs, and many other celebrities have contributed to the Lord’s Museum.

The MCC museum has everything from the beginnings of cricket to modern-day innovations like T20 and The Hundred.

Bradman Museum, Bowral, Australia

Don Bradman was born in Bowral, so it’s only fitting that one of the best cricket museums in the country is located in this New South Wales town.

Unsurprisingly, many of the artifacts stored here are related to Bradman’s career. There is match-worn gear, including a baggy green cap, blazers, bats, and other items.

This Australian cricket museum takes pride in displaying excellent archive video footage, while interactive displays allow visitors to get up close and personal with their subject. While Don Bradman is the main focus, there are items from across the country and beyond, and the museum aims to contextualize cricket in terms of global history.

If you’re interested in the life of the world’s greatest batsman, a visit to the Bradman Museum in Bowral is a must. There are, however, many other interesting things to see that will delight any cricket fan.

If you are passionate about anything, a trip to a museum is a must. If you’re reading this, you may share my love of cricket, and the locations listed here should be on your radar.

Cricket, like any other sport, is proud of its history, but I believe it is more cautious than most in preserving it. The concept of maintaining a cricket museum is thriving, thanks to societies and the hard work of individuals such as Rohan Pate.

Some are rich in history and have been in operation for many years. Others are newer, but it’s encouraging to see that cricket museums are gaining popularity. This ensures that more exhibits will be added in the future, and perhaps some new establishments will spring up as the game spreads around the world.

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When you have a wooden floor in your home, it can seem that each season of the year creates its own issues for the hardwood floors. For instance, winter can cause grit and salt to be worn into the floor, and summer can add chlorine, especially if you have a pool and children.

But having a wooden floor is a beautiful addition to any home, and hardwood floor maintenance is essential to keep your wooden floors looking stunning and, of course, functional.

Here are five top tips to help you maintain your wooden flooring, irrespective of the type of wood that you have.

Clean spills

When something is spilled onto your wooden floor, use a dry or slightly damp cloth to wipe up the stain immediately. This is because wood swells when wet, so leaving wet spots can cause warping and a potential slip risk. Depending on the moisture, it is also important to keep humidity levels in your home down. This will prevent splitting and gapping in the wood. If you are considering having a wooden floor fitted, search wooden floors Balham for more guidance on how to care for a newly fitted wooden floor.

Use pads

Scratches to your wooden floor are some of the toughest issues to resolve. While some scratches are inevitable, especially if you have pets, others are preventable, and the best way to prevent deeper wedging or scratching from damaging your wooden floor is to use furniture pads. Place them under the legs of your chairs, tables, or any furniture you have in the room where there is a wooden floor to protect it.

Sweep daily

It can seem like a very tough thing to upkeep, but it is important to keep your wooden floor clean as this can prevent scratching. It is worth sweeping the floor every single day. This becomes more important if you share your home with a cat or dog or any other small furry friends and is also important for hygiene, too, especially if you live in a home where a person has allergies.

Vacuum once a week

Crumbs and dirt can scratch your floors, so it is important to vacuum your wooden floor at least once a week. This will also help to keep your home clean and the floor looking its best.

This may sound counter-intuitive if you have a varnished floor, as vacuuming can put a lot of pressure onto a polished surface. So, it can be worth sweeping prior to vacuuming and then gently and sparingly using the vacuum in areas of high foot traffic. If this sounds like a chore you do not want to undertake, why not invest in a robot vacuum to help you out?

Varnish

Yearly varnishing can help keep your wooden floors looking as good as new and can also allow you to assess any areas of potential damage and treat them. It also allows you to change the look of your wooden floor with each passing season so that you can keep up to date with current home trends.

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Owning a horse can be one of the most rewarding decisions that you have ever made. Nonetheless, it goes without saying that horse ownership can actually be rather expensive. This means that you should probably think about, in addition to cutting costs, the possibility of actually making money from your horse. The good news is that there is actually a lot of good ways in order to make money from horse ownership. If you want to know what they are, then it is recommended to read the complete guide that has been created for your reading pleasure below.

Train It as a Racing Horse

Want eternal glory like Knicks Go, who won the Breeder’s Cup last year? Perhaps it’s a good idea to try and train your horse to run in professional races. This can take a lot of time and investment, but there is a lot of money to be made if your horse can actually go the distance. If this seems like a good option for you, bear in mind that horses tend to be in their prime between seven and thirteen, so if your horse is already well into its teenage years, then you have probably missed the opportunity.

Rent Out the Horse

People need horses for all sorts of reasons, from work to travel to play. This is especially true in more rural areas like the deepest countryside. As a result, there might be people out there who will want to use your horse every now and then. This means that you can actually rent out your horse’s services in exchange for money. With that said, if you are transporting your horse, you could be spending a lot of money in the process. This means that you should look around for a great and affordable horse transportation service for your horse transport today.

Offer Riding Lessons

One of the great opportunities to make money from your horse is by offering horse riding lessons. If you are trained in horse riding, you can offer the lessons yourself, or you can hire a special teacher who will be able to do it for you. You should make a cool website in order to offer the lessons and make sure that people discover them as well. Just make sure that you are trained in horse riding safety before you start to offer these lessons, as you don’t want to make a mistake and get sued in the process.

Sell Manure

Before you chuck that manure out, think again! It might smell, but you are actually sitting on a source of money. This is because manure is used as a fertilizer, meaning that farmers actually want to use it for their crops. This means that you should be collecting it if you can before selling it to a local farm. This means that you can make an extra couple of hundred dollars a month just from the waste that your horse produces, making it a rather easy source of passive income for you.

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We’re all eagerly forward to a fantastic Halloween party this year, particularly after last week’s disaster. 

That implies an extra spectacular outfit. But don’t worry if time has flown between your fingertips and you’ve discovered yourself on the evening of 31st October with no idea what to dress. 

We’ve put together a fantastic selection of the finest last-minute Halloween costumes. 

If you’re searching for outfits for men, children, families, or just yourself, you’ll discover plenty of inspiration here. 

1. Gingham Witch’s Costume

We’re chuckling at these nation witches. With this great idea of Halloween costume, your children will be willing to place charms in no moment! 

Make 2 small chickened fabric pieces measuring 31 by 20 inches. Stitch the edges of the piece together, creating armholes towards the bottom. 

Stitch a groove in the richest 2 inches of the cloth, providing a 1″ gap. Using a rope or thread, weave your way with the channel. 

Fold the ribbons to collect this at the front of it is on. Using black eyelets material, cut a 3 and a half by 36 inches piece. 

Along the border of several of the outer edges, sew a palm stitch. To make gathers, tie a knot placed at a single end and draw the thread on either side.

2. Gauzy Ghosts outfit 

Do you have any cotton cloth and black eye makeup? You’re almost done with the gauzy ghost outfit, which is the perfect blend of “scary” and “pleasant” to attract both children and families. 

Begin with something like a black layer of clothes as a foundation. Apply white face paint to the cheeks and black eye makeup to the eyelids. 

Stretch and pin impartial cotton cloth, letting it hang on the ground a little and anchoring it in position with white cable ties. 

Using windows and doors decorative material, insert another layer of a big, twill weave white gauze. Wrap a rubber chain over your shoulder and secure it with an antique lock.

3. Super quilter Costume

Come together, quilter (and knits, and yarns!). This amusing outfit will assist you in saving the day or, in the very last of all Halloween costumes, the “crafter-noon.” 

Even when you’re about it, you could show out your craftsmanship! To complete, slice a trapezoidal shape out of a blanket and stitch a comparable colour biased tape along with the corners. 

Stitch a matching colour fabric for ties from the upper edge of the trapezoidal. Print out an enormous letter “Q” from a remnant of the fabric and saddle sew it to the upper side of the T-shirt. 

Finish the appearance with tailoring measuring tape bracelets embellished with stitching symbols and a patchwork stitch around the borders of a plush hero mask. 

On make a superhero ring, attach a copper finger to a wedding band blank.

4. Bat Halloween costumes

Don’t toss those shattered umbrellas out either! Slice it up and connect this to the sleeves of something like a black sweatshirt with black cable ties or duct tape. 

Use black super glue to secure the umbrella sections’ joints because you can fully expand your wing for the complete bat appearance. 

Black rubber ears sprinkled with black feather completes the look.

The post 4 Ideas for Last-minute Halloween costumes appeared first on Today News Spot.

Are you confused about what to get for Raksha Bandhan? Are you short on cash but still want to buy a very lovely Raksha Bandhan gift? Then you’ve come to the right place. Check out some low-cost gifts for your brother that you can buy online and send rakhi gifts to India under Rs. 1000

Yep, you read it right above!! Whatever rakhi gift you are looking for for your brother is all listed here at an affordable price. Send rakhi today; also, you can Send Rakhi to India if your brother is far away.

Send love and wishes to your brother with the goodness of lots of happiness and cheer, and make their day brighter and awesome by selecting the best rakhi for your brother from a wide range of exclusive Rakhi collections and gifts all under thousand rupees.

Rakhi & Chocolates

The rakhi & chocolate combo is one of the most popular rakhi gifts because it is readily available and reasonably priced. While we want the best for our brothers, we will not compromise on showing our love, so send rakhi to your brothers online by ordering these reasonably priced rakhis, along with chocolates or chocolate boxes and celebrate Raksha Bandhan together.

Shree Rakhi Set And Dairy Milk Chocolates that come at just Rs.495 

These Rakhi sets are carefully designed with a classic look and come with two 125 gms dairy milk chocolates, free Roli & Chawal, one small FNP Carry Bag, and lovely Sneh Rakhi packaging to make the occasion special. If you are looking for Designer Rakhi while still wanting to be connected to cultural roots and want the rakhi for your brother to be a traditional type, then you should prefer buying Shree Rakhi Set, which comes with two Cadbury chocolates to sweeten your celebration.

Meenakari Rakhi And Dairy Milk Silk Combo at just Rs. 575

Here you will receive one Meenakari Rakhi with beautifully crafted meenakari work and Cadbury Silk, as well as free gifts like Roli and Chawal as complimentary gifts, and the rakhi will be wrapped in a beautiful traditional Sneh Rakhi packaging, kept in a small FNP carry bag. Perfect rakhi gift home delivered with happiness. You can send rakhi in India to any state that you want, and they are all available right at your fingertip click.

Lumba Rakhi Set And Cadbury Celebrations at just Rs. 725

You will receive one pearl Lumba rakhi set that is exquisitely designed with pearls to bring out the ethnic look, as well as a box of Cadbury celebrations, one large FNP carry bag, and complimentary Roli and Chawal. The rakhi set comes in traditional Sneh Rakhi packaging, even in this rakhi gift. So, if your brother is married, then you could go for this Designer rakhi by buying this Lumba Rakhi set that comes with color coordinating rakhis for couples and with a box of Cadbury celebrations to sweeten the festival of Raksha Bandhan.

Rakhi & Sweets

Celebrate the bond of siblings’ love with the sweetness of Indian sweets that you can gift your brother along with rakhi sets, all under Rs.1000

Set Of 4 Pearl Rakhi And Lumba With Soan Papdi at just Rs.649

These are not ordinary rakhis; they are designer pearl rakhi sets of two and designer Lumba rakhi sets of two, so you get four beautiful rakhis as well as 250 gms fresh soan papdi with complimentary Roli and Chawal, and rakhis that come in beautiful traditional Sneh Rakhi packaging. Rakhi and sweets are always a must-have for any Indian celebration. You can even send rakhi online to your brother and sister-in-law anywhere in India as well as worldwide. Your brother will surely love this rakhi gift specially chosen for him to make him know how much he means to you.

Set Of 3 Ethnic Rakhi And One Lumba With Besan Laddoo at just Rs.699

If you do not want Soan papdi, you could opt for this combo, which includes all of the complimentary gifts and Sneh Rakhi Packaging. The only difference is that you will receive three rakhis, one of pearl, one capsule rakhi, and one meenakari work rakhi, all of which are designer rakhi. Instead of Soan papdi, you will receive Besan Laddoo, India’s most famous sweet. Buy this rakhi & sweets combo and double the celebration.

Set Of 2 Sleek Rakhi And Gulab Jamun at just Rs.849

You will receive a 1 kg gulab jamun tin and complimentary Roli and Chawal, two beautiful designer rakhi of pearls, and a capsule that comes with traditional Sneh Rakhi Packaging. Choose this option if you want to buy or send rakhi in India or if you wish to send rakhi for brothers online. This rakhi for brother would be loved by him, as it comes in a sleek design which your brother can wear even at work or throughout the year.

Rakhi & Dryfruits

If you are health conscious and looking for a rakhi gift for your brother, something healthy, you should buy a rakhi and dry fruits combos like a set of rakhi and cashews or almonds. Dry Fruits are considered luxury gifts, a rich and royal way of greeting someone and wishing them wealth and health through such gifts. You could send a rakhi combo wherein you get 2 Designer Capsule Rakhi and 100 gms Cashews just for Rs.599. You will also receive complimentary Roli and Chawal, and you will be assured about rakhi packaging that comes with a beautiful traditional Sneh Rakhi Packaging.

Rakhi & Plants

What better way to wish your brother good luck charm and vibes than to give these cute indoor/outdoor plants as a rakhi gift along with rakhi? You could purchase any of these rakhis with plants and give a special gift for your brother this time that will last forever as a keepsake. They are all under a thousand rupees.

In this rakhi combo, you would receive a designer pearl rakhi along with an air-purifying money plant that can be kept indoor as well as outdoor, which would be wrapped with brown jute and tied with green raffia. If you need the money plant to be in a round glass vase, then you could choose the same rakhi gift but at a price of Rs.699

Set Of 2 Holy Rakhi And Jade Plant In Round Vase at Rs.699 or an even better option to buy Pearl Rakhi And 2 Layer Bamboo Plant Vase at Rs. 799, you should go with the bamboo plant option if you are specifically looking for an indoor plant. They are said to bring good luck and positive vibes.

Rakhi Combo

If you are still confused and wished there was a mix of all the above combos, then here it is!

You could even buy rakhi gift combos for Raksha Bandhan and double the happiness with extra gifts. Some of the best options would be:

• Pearl Rakhi And Money Plant Pot With Besan Laddoo at Rs.899
• Set Of 3 Rakhi With Roses Sleeve And Dairy Milk at Rs.849
• Pearl Lumba Rakhi With Roses Sleeve And Dairy Milk at Rs.799
• Designer Rakhi And Syngonium Plant With 5 Star Chocolates at Rs.699

All these rakhis with gifts are under thousand rupees and are inclusive of all taxes, so you don’t have to pay anything extra or above this price. You could send love to this Raksha Bandhan!

So, what are you waiting for? Select the best gift for your brother this Raksha Bandhan, and send Rakhi gifts to India under Rs. 1000 if you are abroad, but this time does something different. Buy designer rakhi instead of normal rakhi or a fancy rakhi or personalized rakhi for your brother and surprise him this time with double happiness through a rakhi gift that you can order when you send rakhi for brothers online.

The post Send Rakhi Gifts To India Under Rs. 1000 For Dearest Brother In 2022 appeared first on Today News Spot.

Brothers are so precious to us. They are our perfect friends with whom we can share our lives every single matter. They love us with their heart and take care of us in all possible ways. To acknowledge their love towards us, we, all Indians, love to celebrate Raksha Bandhan- the auspicious occasion. 

Raksha Bandhan, these two words came from a Sanskrit word group. Raksha means protection, and Bandhan means to tie or knot. Together they stand for the knot of protection. As you are very much interested in sharing your love through a special gift, we are also interested in making your special day with your brother even more special with our unique rakhi gifts online. On this upcoming Raksha Bandhan, make sure to send rakhi gifts to India above 1000. If you are far away from home for your job or study, you can just pick up the gift. Rest we will take care. Buy rakhi online from our online web page and send rakhi gifts online to your brother and make this Raksha Bandhan merrier like never before. Celebrate this Raksha Bandhan with utmost care and heart. 

Nowadays, as we all are being developed with the blessings of modern technology, our shopping mania is also changing. You can easily indulge in our shopping facilities for sending special rakhi gifts just with the help of a click of a button. Just you need to check out our online web page. Besides, online shopping with us will be more fruitful as it needs no extra time to hop around physical shops. When all shops are crowded, you are just sitting at your home, chilling with a glass full of soft drinks and placing the orders just from your comfortable tuxedo. Also, it does not need any kind of extra cost; instead, we provide lots of delicate offers for your purchase. We have included some of the best products that can be sent to your brother in India as the best gift for a brother on Raksha Bandhan. 

Besides, when it comes to sending rakhi gifts to India above 1000, we are very much careful about the order. We deal with pure and high-quality products that are made with top-notch materials so that the gift for brothers can go for a long time. We are also conscious of the delivery process. We give the delivery of the special gift for the brother just at the exact destination that too within a specific time. So that your brother never misses the essence and vibe of Raksha Bandhan even if you are living far away from him. 

You can also go for various exclusive rakhi designs on our website with beauty rakhi gifts. This is time-saving because you do not need to roam around other online markets. We have an extensive collection of gold rakhi, silver rakhi, Kundan rakhi, Mauli rakhi, personalized rakhi, Ganesha rakhi, rudraksha rakhi, bracelet rakhi, chain rakhi, agate stone rakhi, zari work rakhi, beads work rakhi; gold plated rakhi, cartoon rakhi, floral rakhi, pearl rakhi, zardozi rakhi, and whatnot. You can consider us as a one-stop solution for all your Raksha Bandhan shopping. So it is not necessary to feel sad while living far away from home. In simple words, distance really does not matter in the case of celebrating rakhi Purnima from outside the country. Just send rakhi gifts to India above 1000 and make your brother feel special with a big smile on his face.

Send Exclusive Rakhi Gift To Your Loving Brother In India- Above 1000 Collection On Our Online Shop

There was a time when sisters used to send rakhi and sweets to their brothers in order to celebrate rakhi Purnima. But as time changes, our gifting pattern has also evolved. Nowadays, sending beautiful gifts is the first preference of all sisters across there to put a big smile on their brother’s face. Also, these gift ideas are so unique that they deserve to be the reason for happiness and cheerfulness. 

Our India is full of colorful occasions like Raksha Bandhan. And Raksha Bandhan includes emotions with rituals. On this auspicious moment of Raksha Bandhan, sisters tie a holy rakhi on their brother’s wrist and pray for their well-being and prosperity. They pray that all the obstacles from their brother’s life are removed. But rakhi is not just the thing. You must get a perfect gift too. But as you are now living far from home, you have to send rakhi gifts to India above 1000. Here check out all our gift ideas that are perfect for your brother. 

You can first go for our personalized rakhi Purnima gift hamper. That will include a special designer rakhi, keyring, leather wallet, leather belt, rakhi special greetings card, and wooden mobile stand. Another best option can be a personalized led table lamp. This kind of table lamp will come with an engraving of brother and sister designs. 

If you have a younger brother, you can send him nostalgic 90’s stationary kits like artwork sets, color pencil sets, drawing books, and many more. These will come with a special gift box. 

In case your brother is fond of plants, you can give him indoor plants with decorative vases or tubs. You can send him Snake Plant, Monstera, Spider Plant, English Ivy, Dragon Tree, Silver Dollar Vine, Inchplant, Heartleaf Philodendron, Guiana Chestnut, Ponytail Palm, Clivia, Lucky Bamboo, and whatnot! All of these will come with designer vases that will enhance the look of your brother’s room. 

You can also send him branded perfume combo, ethnic dress and perfume combo, earthen caricature, ceramic statues, branded sunglasses, wall clocks, wristwatch, personalized shot glasses, wooden coaster sets, and much more.

Since you are getting all kinds of gifts that are above 1000, you must visit our online store. 

Hesitating About Delivery- Shop Your Gift From Talash.com And Get Rakhi Gift Delivery Everywhere

As we are open to delivering all over the country, you can just pick the best gift to send to your brother in India. We will deliver the gift with warm wishes. We have hassle-free same day, next day, express, and midnight delivery to all cities throughout India. When our delivery executive reaches your home near your brother with the special Raksha Bandhan gift, your brother will understand how much you adore him from deep down in your heart. We want to feel your heart with the satisfaction of celebrating Raksha Bandhan with pomp and grandeur. 

Send rakhi gifts to India above 1000 for your loving brother with us.

Raksha Bandhan on Thursday, August 11, 2022

Purnima Tithi Begins – 10:38 AM on August 11, 2022

Purnima Tithi Ends – 07:05 AM on August 12, 2022

Happy Raksha Bandhan to all brothers and sisters.

The post Send Rakhi Gifts To India Above 1000 For Your Loving Brother In 2022 appeared first on Today News Spot.

Bed sheet stains can be a source of frustration to anyone. Imagine purchasing a new bed sheet and seeing a stain before you’ve owned it for up to 2 weeks! That feeling of rage and disappointment shouldn’t be new to most people. Now you’re stuck with having to find a way to make the bed sheet clean again. Luckily for you, there are a handful of tips that you can follow.

1.   Combat the stains as soon as they occur

It might be tempting to just leave a small stain until your next wash cycle, but the chances of that stain removing would have reduced a lot by then. That’s why it’s better to act as soon as possible – before the stain settles into the fabric. Begin by using cold water to rinse the affected part. This is because hot or warm water will ensure that the stain is set.

2.   Baking soda

This might do the trick, but not all stains are the same. So if the stain is still there or you can still see traces of it, the time to use baking soda has come. Begin this process by mixing two part water and one part baking soda until it forms a thick paste. Put this mixture on the stained area (which should still be a bit wet) and allow it dry. The paste should be able to remove the stain by infusing it. When it is dry, brush off the mixture and put the bed sheet in the washer – allowing it to operate with a cold water setting. Hang your sheets on a line to dry when this cycle is done. You shouldn’t use the dryer as it could end up baking even the smallest of baking soda residue on the bed sheet, which will be very hard to get rid of.

3.   Soak for set-in stains

Sometimes, you might not even realize that your bed sheet is stained until you’re about to wash it. In this case, since the stain is a set-in stain, it is preferable to soak the bed sheet for at least seven hours. This will subsequently make the stain easier to remove. If this still doesn’t work, you can consult a dry cleaner like croydondrycleaning.co.uk.

4.   White vinegar for smaller stains

If you’re dealing with a small stain, you can soak the affected area in white vinegar for thirty minutes before putting the bed sheet in the washer for a cold wash. You should also hang dry it after. Also remember not to use the dryer. In case the stain doesn’t leave, repeat the process or wait until your next wash cycle. You’ll likely see gradual improvements in the bed sheet. White vinegar is also great at nullifying odors. To do this, add a quarter of white vinegar to the dispenser of the fabric softener. Noted, your sheets might have a vinegar smell at first (especially when they’re wet), but when they dry up, the vinegar smell would’ve left by then.

5.   Avoid bleach when you can

Whenever it is possible to avoid using bleach, do so – even on white fabrics. This is because bleach has the tendency to weaken fabrics. This will mean that they will likely tear in the long run. However, if you have to use bleach, you can use oxygen bleach instead. This type is gentler than its chlorine counterpart.

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As the well-known ‘Annie’ song says, ‘you’re never fully dressed without a smile’, and there are a lot of benefits to smiling the day away, including reducing stress, reducing blood pressure and even strengthening your immune system! An obvious benefit though, is how much more approachable a big smile makes you to others. The problem comes when you don’t like your smile enough to use it regularly. Perhaps you are someone that half smiles with your lips sealed, out of embarrassment of your teeth or general low self-esteem. Below are some tips to make you feel more confident about brightening up the world with your beamingly happy smile.

Consumption

The food, drinks, and other substances that you consume will have a significant effect on your overall physical and mental health, and specifically on your oral health. Your teeth, gums and even your breath will all be affected by unhealthy choices. Carbonated drinks, bread, and alcohol are all examples of food and drinks that when used regularly, can lead to poor dental hygiene. Darker drinks (such as coffee and cola) and the use of cigarettes can all stain your teeth. Horrible brown stains are not what you want to see when you are smiling back at your reflection in the mirror. To avoid harsh stains and bad oral hygiene, consider how often you consume unhealthy items, increase your intake of water to rinse away any leftover sugars and, of course, remember to brush and floss more!

Cosmetics and moisturizers

You are already beautiful, and so there is no need to cake yourself in layers of make-up to improve your appearance. The use of moisturizers and lip balms can go a long way in keeping your lips and skin healthy though, as well as drinking plenty of water. There is plenty of information and products available out there to guide you in having perfectly kissable lips, such as lip balms with SPF and even lip masks. A good tip to keep those lips supple, is to cover yourself up from too much cold weather by using a scarf or snood, and not to lick your lips, but drink a glass of water instead.

Professional intervention

Of course, if you are extremely uncomfortable with the appearance of your teeth, due to their colour, shape or number, you can always approach a professional dentist. More adults are taking the step to correct the alignment of their teeth long after childhood is over, and it is easier than ever to have a consultation or procedure and a solution in hardly any time at all. Private clinics such as orthodontics Enfield offer a range of options to help people improve their smile. They even offer a free ‘smile assessment’ that you can do from your own home using your phone. They will then recommend to you what dental procedure would be best.

Whatever it is that you need to do to make you feel more confident in your smile, it is worth making the effort, so that you can feel good and everyone else can see that in you as well.

The post Top tips to make your smile light up the room appeared first on Today News Spot.

All businesses should carry out regular fire risk assessments. Not only is fire dangerous to life but it can also cause significant damage to stock, equipment, and buildings. Ignoring the risk of fire may lead to financial loss, injury, and even death. If you have recently set up a small business, read on for some essential fire prevention tips.

Install a Fire Detection and Prevention System

A fire detection and prevention system is the best way to keep your staff and your business safe. Smoke alarms will detect smoke very quickly and a sprinkler system will dampen and extinguish the fire before it gets out of hand.

If the building is rented, the landlord may already have such systems in place. If you have bought the building, or are constructing a warehouse or similar, make fire detection and prevention a priority. Speak to a fire prevention services provider for expert advice on what you need, as well as maintenance requirements.

Keep Fire Extinguishers in Key Locations

All businesses should have fire extinguishers in key locations, so if a fire unexpectedly breaks out, it can be extinguished very quickly. Legal requirements vary according to the country, but it is usually customary to have a minimum of two fire extinguishers on each floor of a building unless it’s very small. These should be serviced at least annually. It is also advisable to have a fire safety blanket in kitchen areas.

Maintain Electrical Equipment

Faulty electrical equipment is a common cause of fires, both in the home and in commercial premises. You must have all equipment serviced regularly, but electrical equipment should be checked annually, and if there is any sign of a problem, it should be repaired or replaced. Any fires are caused by faulty outlets, so older outlets should be replaced before worn-out wiring becomes a hazard.

Safely Store Flammable Materials

Keep flammable chemicals safely locked up, in a fire-proof container. Make sure training is provided before such materials are handled in the workplace.

Don’t forget that things like paper and fabric are highly flammable. Don’t store recycled or discarded paper and fabric near fire exits and ideally, remove them off-premises as quickly as possible.

Keep the Premises Tidy

Commercial buildings need to be kept tidy, so fire escape routes are not impeded. Regularly monitor fire escape routes and make sure exit doors are not blocked by boxes or equipment. Keep corridors and walkways clear at all times. Do not allow electrical cables to trail over walkways, as these are a trip hazard in the event of a fire – and at any other time too.

Fit Fire Escape Signs and Emergency Lights

Have adequate signage fixed to walls and exit doors, so employees can find the exit quickly and safely. Fit emergency lights that activate when the power goes out.

Staff Training

Finally, ensure all staff are appropriately trained in fire prevention and run fire drills regularly. Appoint a fire warden to take responsibility if a fire does break out.

Follow the advice above to keep your business and your employees safe.

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We’re lucky enough to be living in a time where automation is becoming more and more common, affordable, and easy to do. The average person can now automate many parts of their home and some of the daily chores they find themselves having to do in it. These smart home devices go beyond a smart speaker to yell commands at, and here are a few of the more popular smart home gadgets you didn’t know you needed.

Smart Lighting

One of the most popular uses of smart home technology is to convert your home lighting into something that you can control, dim, program, schedule and even change the colors of from anywhere on the planet. Making use of a control hub, smart switches and bulbs, smart home lighting will change your life instantly. They improve home safety by ensuring you never have to come home to a dark house, and they can be great for setting a mood with their RGB color lighting options too. Just don’t forget to enlist the help of an electrician who offers residential electrical services if you need to do any home wiring changes for the installation.

Automatic Pet Feeder

There’s nothing worse than settling onto the couch after a long day of work, snuggling up under a blanket and then your dog’s hungry face appears in your vision, reminding you that you haven’t fed them yet. And so, you must get up and do it. But actually, you don’t. Smart pet feeders not only prevent you from having to begrudgingly un-snuggle yourself to feed the pooch, but you can also set them to dispense food on a timer if you’re home late or out of town. With no effort at all, these handy pet feeders will make sure Fido is always fed.

A Robot Vacuum

Probably one of the first things to come from the smart home revolution was the invention of the smart vacuum, and after owning one, you’ll never want to go back to having to manually vacuum ever again. You set a time and frequency that these little time-savers will follow, and they’ll start up, vacuum a pre-defined area and then return to their charging station all by themselves. Some will even empty their dust containers automatically too.

Smart Doorbell

The smart doorbell must be one of the most sought after of all the smart home devices. This little internet connected camera enabled doorbell seeks to offer you a notification on your mobile device along with the customary audible tone so you can see who is at the door before you go to answer it – or even if you aren’t home. Genius.

It’s probably clear now that you’re just doing too much yourself. Why vacuum yourself when you can get a smart device to do it for you? Why come home to a dark, cold house when the simple task of turning lights on and off can be done automatically – or by simply asking for it? The smart home is finding a place in all our lives, sometimes without us even realizing it.

The post 4 Smart Home Gadgets You Didn’t Know You Needed appeared first on Today News Spot.

It has been just over two years since the global pandemic SARS-CoV-2 became a concern and the going thought was that by this point in time it would be something for the history books. Unfortunately, those books are still being written and without an end in sight, they may be in the process for many years to come. With that said, does it mean that Covid is here to stay? Will we ever reach what they are referring to as ‘herd immunity’ and if it is here to stay, what should our response be?

What the Experts Are Saying

The first thing to know is that the experts all seem to be saying that Covid is here to stay and nations around the world should be creating a long-term strategy for keeping this monster in check. It is still killing people around the world and some areas are even seeing a spike in cases great enough to raise global concerns, once again. This is why continued testing to and from international airports is still required at most airports around the world. Here at home, there is Covid testing in Los Angeles at LAX and it may be impossible to board a plane for an international destination without a recent Covid test and/or a Covid passport.

Still a Political Fiasco

One of the saddest aspects of the pandemic is that it caused a polemic divide between political parties and that divide is as strong today as it was a year or more ago. Part of the reason for that is thought to be religious in nature. While most right-wing voters tend to be conservative Christians who believe they are safe because they trust God, the opposite pole is comprised of left-wing liberals who lean toward science. This is not to say that strong conservatives aren’t taking the virus seriously or that liberals don’t lean toward a religious vantage point, but these are not the norm in either party.

Vaccination Holdouts

There are also those who fear the vaccine because of what they see as a rapid push to get them approved. What many fail to realize is that SARS vaccinations have been in the works for years. Much of the research necessary for formulating SARS-CoV-2 vaccines was based on earlier SARS research. Even knowing that, there are those who fear that the vaccination isn’t safe and are protesting requirement legislation. Unless vaccination rates similar to all the required childhood vaccines are reached, the pandemic will continue to spread easily.

Waning Immunity

Finally, there is a growing body of evidence that indicates that immunity provided by the vaccines and boosters will wane over time. Recently, the government approved a second booster for the general population where previously it was only approved for the most vulnerable. Due to vaccination holdouts and waning immunity, it looks as though Covid just might be here to stay.

Scientists are saying that because it looks as though we may not be rid of covid for years to come, nations must continue mitigation efforts while learning to adapt to an ongoing threat. Is Covid here to stay? It does, indeed, look like that is the case.

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A road trip is one of the most rewarding and fun ways to see the country up close and personal, and discover new sights, destinations, and places you’d never normally go. If you’re not one for extended periods of travel, the idea of a road trip might not be at the top of your to-do list, but don’t turn your back on the idea right away. If the thought of being cramped up in the family saloon doesn’t appeal to you, then here are some ways that you can take any road trip and add a bit of luxury to it. The open road awaits.

Book Luxury Hotels

A luxury road trip definitely means not camping or sleeping in roadside motels. Use the opportunity to book some luxurious stays in top hotels of at least four stars, and if you can splash out then don’t book the cheapest rooms on offer either. A lot of these hotels will also offer spa and fine dining experiences for you to enjoy while you’re staying there. Take full advantage of all of these offers to add some real luxury to your road trip.

Don’t Use the Family Car

Hang up the keys of the family car because we need more luxury out of the car you’ll be using. This is, after all, the place you’ll be spending a lot of your time on your road trip. Options for your car could be a fancy, decked out RV complete with TV screens, a full-sized shower and motorized expandable patio for your morning coffee, or it could be a luxury sedan with plush leather seats and a powerful engine to have you coasting down the interstates in style. Spend some time looking at some exotic car rentals to find your perfect chariot.

Hire a Driver

If you want to be incredibly superfluous, then the first thing you should do for your road trip is remove anything that even slightly resembles work, and this starts with doing the actual driving. Hire a driver instead of doing the driving yourself and you can spend your time relaxing while someone else worries about driving and navigating.

Skip on the Fast Food

Fast food doesn’t exactly scream luxury, and for the purposes of a luxury road trip, it needs to get struck from the itinerary. Instead, eat at those restaurants in the hotels you’re staying in or search for the highest rated ones in the area or town you’re spending the night. Opulence and enjoying fine food and wine is the name of this game, so don’t skimp when it comes to mealtimes. Don’t forget you’ll want to jazz up your driving snacks too!

There’s nothing better than pulling off the road after a long drive to a small hidden gem of a town that you’d never experience with air travel and enjoying the local restaurants and sights. If you do your road trip in luxury using a few of the idea’s we’ve covered, the journey will definitely be the destination.

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People are often torn between buying a new or used luxury car for many reasons. In some cases, it’s because they want the satisfaction of knowing that they’re the first person to drive the car. In other cases, they might have concerns about reliability and worry about the costs of repair. Buying a new luxury car can make sense for a certain type of buyer and be a horrible decision for another, so it’s difficult to tell which one is the best option between the two. Let’s take a closer look at the pros and cons of both options to help you in your decision.

Buying a New Luxury Vehicle Comes with Peace of Mind

One of the biggest benefits of buying a luxury vehicle is that you’ll know everything about its history. You can never tell how a previous owner treated a vehicle and what’s wrong with it, but that won’t be an issue if you buy the car new. You’ll also enjoy a full warranty and won’t have to worry about repairs on main components for a good while.

Buying Used Allow you to Curb Depreciation

One of the issues with buying a vehicle new is that you’ll have to deal with depreciation. Luxury vehicles depreciate at a much faster rate than regular cars too. So, it would be wise for you to at least consider waiting until a car is about two to three years old to buy it.

And, if you’re worried about reliability, all you have to do is make sure that you buy your vehicle from a reputable source. That’s why it’s always a better option to buy from a used luxury car dealership rather than a private seller. A used luxury car dealership will have taken the time to check the condition of the vehicle.  If you buy the car at the right time, you could get a vehicle for a fraction of the price with a few years of warranty left on it.

Buying New Gets You Added Perks

Some of the perks of buying a luxury vehicle are only available to first-time owners. Most luxury car brands will have some sort of special club for owners, and you may not be able to join them. That might seem like a minor issue, but some of these clubs offer significant advantages that could allow you to save money in the long run and enjoy truly unique experiences. That might be a deal-breaker for some people.

You Get All the Best Features at a Bargain

Luxury car manufacturers can be lazy when it comes to adding new features and some of them have been using roughly the same design for some of their models for years, even decades (we’re looking at you, Porsche). So, buying a new car makes little sense if it looks identical to the one that was released two years ago. Unless you have a complete aversion towards someone else driving your car, it would be a much better idea to wait a little bit until you can get practically the same model for much less.

As you can see, the decision between buying a used and a new car is not as cut and dry as many people would imagine. Consider both options in detail and ask for second opinions if you’re unsure.

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Over the years following India’s independence, different land reform laws have changed the perspective of property dealings and transactions in this country. These regulations have introduced necessary standardisation in this sector and assisted prospective purchasers and lenders.

Moreover, the modulation and implantation of the different metric systems have made this process more convenient. Among various land measuring units prevalent in different parts of India, acre and square feet are counted as the most common units required by the intending property buyers. In addition to that, knowing the conversion of an acre to square feet is also essential when buying a property or availing funds against it.

How to convert acre to square feet?

Essentially used in the imperial unit system, acre is one of the earliest land measuring units used all over the world. It is primarily used to gauge agricultural land. One must know that one acre is equivalent to 43,560 square feet, and 640 acres makes 1 mile.

On the other hand, a square feet is primarily a US customary and imperial area unit. In India, this measuring unit is used to determine flat and plot measurements. Therefore, after knowing about an acre and square feet, individuals need to know about the conversion process, allowing individuals to determine the dimensions of their owned land.

The basic formula to carry out the conversion is – 

For example, consider a plot measurement is 15 acre and needs to be expressed in square feet. As per the value of equivalent units –

Since 1 acre = 43560 square feet, then,

            15 acre = 15 x 43, 560

            = 653400 square feet

Similarly, one can also calculate the process of converting square feet to acres and also other land measuring units as per requirement. By following this process, one can complete the conversion when learning about property space and dimensions.

The above-mentioned process is the conventional technique to convert acre to square feet.

However, manual calculations will entail mistakes. To avoid such issues, individuals can simplify the conversion procedure by using an acre to square feet converter. Follow the steps mentioned below for using this online tool:

Step 1- Get the exact plot or land measurement

Step 2- Seek for an online acre to square feet online calculator

Step 3- Input the acre measurement and other values in their respective fields

Within a few seconds, this online converter will display the conversion results. Moreover, individuals can convert other land measuring units as well with this calculator, and it can aid them in availing of a property loan.

Why is the conversion of an acre to square feet essential for property loans?

Land conversion can be important for multiple reasons, including when an owner is willing to mortgage property or land. Moreover, all leading financial institutions that extend mortgage loans like loan against property allow individuals to use the area conversion calculator to determine the accurate valuation of the property.

Since a loan against property is extended to the borrower in exchange for pledging a property, it is crucial for the borrowers to know the exact measurement of the land or property. Usually, the LTV for these loans can range up to 75% depending on the property’s market value. Therefore, while applying for loan against property, it is wise to evaluate the overall area measurement of the land and borrow accordingly.

With a loan against property, individuals can avail substantial amount and meet various financial requirements. Moreover, this credit does not come with any end-use restriction, which means individuals can utilise the funds in whichever way they want.

Although knowing the accurate property valuation is one of the factors to consider while taking a loan against property, borrowers must also meet the eligibility parameters and produce necessary documents to ensure a hassle-free application.

However, one must also factor in other aspects to make an informed decision. For instance, reputed financial institutions also extend pre-approved offers on a wide range of secured and unsecured loan products.  Such offers are provided to eligible borrowers to accelerate the loan application process and reduce the hassle of extensive documentation. Therefore, check your pre-approved offers by mentioning your name and contact details.

Therefore, to conclude, it is essential for intending property buyers to have a fair knowledge about the different land measuring units so that they can perform a comparison of various land dimensions before purchasing or mortgaging the property. Nevertheless, one can use these online converters for converting acre to square feet to ensure precision and accuracy.

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The rising costs of properties in India make it challenging for economically weaker sections of society to invest in real estate. However, the situation has been better with the launch of Government-backed schemes like Pradhan Mantri Awas Yojana that aims to cater to the housing needs of urban and rural populations.

The scheme was introduced in 2015, with the purpose of constructing 2 crore houses by 2022, mainly for the economically challenged section of society and low-income groups. It also enables them to get subsidised interest rates on their home loan. However, before moving forward, individuals must know about Pradhan Mantri Awas Yojana eligibility and features in-depth to make the most of it.

Features of PMAY scheme

Here is a list of all the salient features of this housing scheme:

• Under this scheme, all the ‘kutcha’ houses that have been plaguing both the rural areas and metro cities will be replaced with permanent concrete houses by the Central Government.
• Depending on the individual’s income, a credit-linked interest subsidy (CLSS) will be provided on every new house purchase. Beneficiaries from the PMAY list can opt for a home loan under this scheme and enjoy the subsidised interest rate of 6.50% for a term of 20 years.
• The houses will be constructed with eco-friendly materials.
• The scheme has made female homeownership a mandatory clause; therefore, the house must be registered under female heads of the family.
• Under PMAY, senior citizens and differently-abled individuals meeting the Pradhan Mantri Awas Yojana eligibility criteria will be aided with compulsory ground floor housing accommodation.

In order to reap the benefits of this scheme, individuals must meet the PMAY eligibility criteria. Note that the home loan sanctioning and disbursement process under this particular scheme is also linked with these eligibility parameters, set by the Central Government. To avoid loan application rejections, go through the following section containing all these parameters.

Eligibility criteria of PMAY

Following are the parameters one must meet to become a part of the PM Awas Yojana list:

• The applicant should not receive any Central Government assistance related to a housing scheme.
• Both the applicant and his/her family members must not own a pucca house in any part of the country.
• The benefits of PMAY will be available only for households with an annual income of up to Rs.18 lakh.

Now that you are aware of PMAY eligibility parameters, here is a guide regarding the online application process for this scheme.

Step 1: Start by visiting the official site of PMAY.

Step 2: Open the ‘Citizen Assessment’ tab and choose a category as per your economic background.

Step 3: Next, you will be required to fill up a PMAY application form. Make sure to provide accurate personal and professional details, bank account information, etc.

Step 4: Here, you will have to enter the security captcha code and click on ‘save’.

Step 5: You will get an application number; make sure to save or print it for future reference.

Applying for housing loans under PMAY is beneficial for multiple reasons, and one of them includes the reduction of home loan interest rates.

However, to reduce interest rates, you should also look for pre-approved offer provided by reputed financial institutions. These offers are available on several financial products, like home loans, loans against property, etc. To check your pre-approved offer, you just have to provide your name and contact details.

Becoming a homeowner has become easier with the availability of such housing schemes, and individuals can also make substantial savings while investing in residential properties. However, besides meeting Pradhan Mantri Awas Yojana eligibility, make sure to go through the terms and conditions of this scheme to avoid complications later.

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In India, it is a dream for most students to study MBBS, and if it is from abroad, it’s like a cherry on a cake.

Nonetheless, it is recommended that the students from childhood in India pursue medicine or engineering.

When it comes to studying MBBS abroad, students get excited and work hard to get a good grade.

The engineering seats have been enhanced drastically over the world for many years, but it’s a different case with MBBS abroad.

If you are a student and worried about your study or choosing to pursue MBBS abroad or nation, we are here with some advantages that will help you decide.

1. No capitation fee

Studying MBBS from India may lead to a high capitation fee as many private colleges take a massive capitation fee, which is not included in the annual price.

However, the tuition fee taken by some colleges abroad is lower than the annual fee of private colleges in India. The fee range is 2.6 lakhs to 4.5 lakhs per annum.

2. No entry test even

In comparison to the Indian colleges or schools, there is no entrance test in the colleges of MBBS abroad.

Unlike in India, secure college admission can be made without any entrance test or exam.

The preference in the colleges abroad is to the grades of 12th standard, which can be based on a first-come, first-serve approach. Other than this, students with 75% grades are preferred for entry abroad.

3. Low living cost

Living cost is the part which is the primary concern of parents and students, too, due to which they take the step back of studying MBBS abroad.

However, living abroad at a low cost is easy because most countries such as Ukraine and Europe have low living costs.

On the other hand, there is a low cost for everything, but moreover, it depends on a student’s lifestyle.

4. High-class infrastructure

Studying MBBS from abroad is not an easy task, but it is tremendous when it comes to the infrastructure of the hospitals abroad.

However, studying abroad MBBS may give you a high standard of college infrastructure as most of the colleges in Ukraine are authorised by WHO and UNESCO.

Other than this, all the campuses have the high-class infrastructure of the hospitals, majorly in developed countries such as China, Russia, the Philippines, and Ukraine.

5. International exposure

It is a kind of dream for the students to study from other countries as it helps them deal with the different strategies.

By studying abroad, MBBS gives students international exposure and makes them more intelligent.

In addition to this, developed countries such as China provide enormous opportunities to medical line students. Having a large population of medical students can have a large inflow of patients.

The post 5 Advantages of Pursuing MBBS Abroad for Indian Students appeared first on Today News Spot.

No one ever said that raising a family was easy. In fact, it can be one of the most challenging periods of your adult life. From sleepless nights in the early years to helping your little ones get the best start with their education, your life will be quite literally transformed when you have a family. Family life changes every aspect of your daily routine, and at times you can find yourself stressed out and exhausted. However, by taking on board some of the tips and advice below, you can effectively minimise these unwanted negative effects of family life. Your family is a blessing, and with the right choices, family life need not be constantly stressful.

Make sure to take your supplements

No matter what age you are when you have your first child, vitamin and mineral supplements greatly benefit your overall health and well-being. Whilst its important to have a healthy diet, it is not always possible to get your five a day every day in this busy modern world. It is good practice to take a vitamin supplement to ensure that your body is getting all the support it can. Daily family life is far easier to handle when you feel at your best, and here is a range of vitamin supplements that you could consider adding to your daily routine depending on your age and lifestyle.

Take care of your dental health

It is easy to overlook the health of your teeth when you are busy raising a family. Remember that having healthy teeth is a significant marker of your overall body health so ensure that you and your family are registered with a good dental practice such as northwickmanordental.co.uk. Having great dental health is one less thing to worry about in your busy family life and will help minimise the need to have costly and time-consuming dental surgery.

Ensure you get the best sleep you can

In the early years of raising a family, the idea of a full and good night’s sleep can remain just that, an idea! However, the human body tends to find ways to cope with reduced sleep, and your parenting nature will always want to put your kids first. To ensure that you get the best night’s rest, even if your sleep is broken during the night by your crying infant, make sure that you prepare for sleep effectively. Avoid using tablets and mobile phones in bed; even with the screen brightness turned down, as these devices will make it harder for your mind to get into a restful state. Instead, read a book as it will help you to drift off into a deep sleep. If you are really struggling to sleep, consider using a mindfulness or sleep app with comfortable headphones, but make sure that you use these with the device turned on its face, so the light wont keep you awake and disturb the tranquility of your room.

The post How To Keep Your Stress Levels Down When Raising A Young Family appeared first on Today News Spot.

If you are due to get married, then congratulations and good luck! People’s views on marriage vary. However, if you are happy and content then that is all that matters. Presumably, you want your wedding to be a special one. If this applies to you, then article may be of great use to you.

One great way of making your wedding special is by choosing the right venue. Right is a very subjective word so what is right for one couple may not be right for another. What is important is that you chose a venue that feels right to you and your partner. If are unsure of how to choose the most appropriate wedding venue then not to worry – some simple tips are listed below:

• Discuss your options with a wedding planner – wedding planners typically have years of experience. So, if you want to choose the best venue for you, then be sure to talk to them to ask for their advice. They will most likely be able to provide you with some excellent recommendations.
• Know who you are inviting – If you plan on inviting many people to your wedding, then do not forget this when choosing your venue. So, a top tip is to know who you will be inviting (or at least a rough figure) before you decide on the venue.
• Budget – While you may have grand visions on you wedding location, it is important that you do not get too carried away and forget your So, always keep your budget in mind. If you want to avoid disappointment, then only visit venues that you can afford.

Another important thing that you must consider is how are you going to get there? Since wedding planning can be so stressful, it can be easy to forget some things. However, for you own comfort and stress levels, planning and organising how you plan to get to your wedding venue is something that you must not forget.

If want an option that is not only affordable, but luxurious and comfortable, then why not check out wedding cars in London. This option is great for couples who want to travel in style. It is a classy but not too ‘in your face’ option. It is important to note that is not only the car that you are hiring, but a personal chauffeur too! So, this option is highly recommended if you want to have great service with little to no stress.

The wedding dress! For many people, this will be their number one concern – choosing the perfect wedding dress. Rightly so, as how you look on your special day will greatly impact how you feel. So, it is advised that you plan well ahead. If you have no idea about what kind of dress you want to wear, then start looking and enquiring early to avoid disappointment. If you are organised and find the dress early, then you will most likely be less stressed when planning other aspects of your wedding.

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If you spend lots of time in the kitchen cooking and preparing meals, then you may want to spruce up your kitchen and add a little bit of glam. Every now and again, it is good to redecorate and breathe in some new life into your home and specifically into your kitchen. So, if you are getting bored of the look and feel of your kitchen then this article could be of great use to you. Continue to read on in order to learn about some simple ways that you can update, revamp and renew the look of your kitchen.

Make use of natural light

A great tip for making your kitchen look new is by using natural light to the best of your ability. While artificial lighting has its benefits, its best kept restricted to non-daylight hours when you have little or no choice but to use it. However, when the sun is shining then why not use natural lighting to brighten up your kitchen. Natural light has so many benefits which include boosting mood and improving sleep. So, if you can, get as much natural light into the kitchen as possible.

Paint it with new paint

Another relatively easy way to renew the look of your kitchen is by re-painting it. You can paint it the same colour as previously, if the old paint is becoming dirty and run-down. Alternatively, you could choose to paint the kitchen a whole new colour if you wish! This will make it look almost completely new without having to change the furniture and items within it. You can either paint the kitchen yourself if you want to save money and learn a new skill. However, if you have very little experience in painting an entire room then it is perhaps best left to the professionals as they will leave your kitchen feeling brand-new.

Invest in some more kitchenware

It is the little things that make the biggest difference.  So, if you want to make your kitchen feel brand new, then when not head over to cooks boutique in order to get some chic and brand-new kitchen and cookware. Not only will the accessories give your kitchen a new life, but they will also be of great benefit to you when you are in the kitchen. So, you can get stylish, yet practical items. For instance, by purchasing items such as chopping boards, can openers and cooking tongs, cooking will become a whole lot easier.

Change the colour scheme

If you have a certain colour scheme in your kitchen, then a great way to renew the look of your kitchen is simply by changing the colour scheme. If you choose to do this, then be sure to donate or recycle anything that you decide to replace and not to keep as this is better for the environment. You can change the colour scheme by re-painting or by changing the colour of your kitchen accessories. Even changing any art you have in the room and give a space a new feel.

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Plenty of us have heard of the ‘spring clean’ phenomenon, but what about other things we can do to prepare ourselves for spring. Creating and refreshing in spring is also another common path that people like to go down as the nights get lighter and there is time to get their homes ready before the summer comes.

If you are in camp DIY and want some ideas as to what adjustments you should make for your home this spring, then this is the piece for you.

Read on to find out more!

Get the Paint Out

Spring is a great time to get the paint out because it is not too hot like it is in summer, and the nights start to get lighter, so you can stay outside for longer. Either using paint to refresh or completely change the look of your house inside or out are both great reasons to get your paintbrush out. Pastels are a great option for spring if you want to brighten up the look of your patio furniture or perhaps even your kitchen! Or, just go around your white walls, nooks, and crannies with a fresh coat of white to make them stand out and look crisp.

Get Yourself a Gate

If you are thinking about making any major changes or improvements, spring can be a really good time. Not only are there plenty of spring deals to be found, but it is also a quiet time of year to make adjustments. Getting yourself a gate or upgrading your gate comes with many benefits. This adds value onto your property, but it can also increase security, improve your home’s aesthetic, and if you go for an automated gate, you also have added convenience and versatility. If you are looking at getting yourself a gate this spring, then have a chat with the experts at alu-gate.co.uk for more information on what will work best for your home situation.

Spruce Up Your Fences

Winter can do a lot of damage to our fences and other homeware outside that we cannot bring in or store safely. If you have had a particularly harsh winter, this usually means that these items will have taken a battering, especially your fence. Tough weather conditions can loosen fences from their posts, discolor the wood, break the panels, and cause all sorts of havoc, leaving your fences looking lackluster at best.

Either repair or replace your fence panels if you find they are not structurally sound. If you are just seeing discolouration, then a new sand and stain should restore them back to their former glory. You could also experiment with a new paint color for the year! This should then see you through to the next year without any issues.

These are just a few adjustments you can make for your home this spring to help improve your living quality and take your home to the next level. Use this time to get your home looking and feeling better!

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Paying income tax is mandatory in India if an individual has an annual earning that crosses a pre-set threshold. However, calculating income tax on a housing loan manually can be a challenging affair at the end of a fiscal year. Thus, opting for an income tax calculator 2022 can significantly ease this calculation and provide taxpayers with accurate results. Although the income tax calculator is a significantly easy tool to use, one should learn the process of utilising it to his/her benefit.

Steps to Use Income Tax Calculator 

The steps to use an online income tax calculator 2022 are – 

• Step 1: Visit the official website of the Income Tax Department of India
• Step 2: Navigate to the income tax calculator
• Step 3: Enter assessment year, and taxpayer’s name, gender, and whether he/she is a senior citizen
• Step 4: Enter the residential status
• Step 5: Enter income from salary and every other sources
• Step 6: Provide the deductions, including TDS, STCG, LTCG, and others
• Step 7: Click on the ‘calculate’ option and get the required information

Thus, before paying tax, it is beneficial to know the income tax categories in India. For the ease of taxpayers, the classes of income tax slabs are provided below.

Categories of Income Tax Slabs

The income tax slabs for salaried and self-employed citizens are categorised into 3 primary sections – 

1. Citizens below 60 years of age.
2. Senior citizens below 60 and 80 years of age.
3. Citizens above 80 years of age. 

Irrespective of the tax slab one opts for; prospective homebuyers can get a deduction on income tax against their loan repayment.

Income Tax Saving on Home Loan

Borrowers can avail of a few home loan tax benefits under certain income tax acts. For example, under Section 80C, a beneficiary can claim a maximum tax deduction of Rs.1.5 lakh on the principal component of a housing loan.

Apart from it, under Section 24, borrowers can enjoy deductions of Rs.2 lakh on housing loan interest amount payable of a home loan for a self-occupied property. 

Also, under Section 80EE, first-time buyers can enjoy tax saving on home loan of Rs.50000. But, borrowers must remember that this is above the Rs.2 lakh tax benefit under Section 24. 

However, apart from tax benefits, there are additional reasons to opt for home loan. The details of the benefits of a housing loan are provided below.

• Ease of repayment

Beneficiaries of a home loan can opt for a loan for a longer tenor, usually up to 20 years; this fetches an affordable EMI for them. However, a counter argument to keep in mind here is that, a longer tenor will result in higher repayment burden. Borrowers can use a home loan calculators to get a better understanding.

Apart from it, borrowers can also prepay the loan amount and have the flexibility to foreclose it. This can help them to save on home loan repayment.

• Lower interest rate

The Reserve Bank of India fixes the current repo rate at 4%; as a result of this lowering of the current repo rate, financial institutions are offering much lower home loan interest rates. This made owning a house much more affordable than earlier.

Additionally, prospective borrowers can opt for a home loan with floating or fixed interest rates. With the current market condition, individuals can choose anyone as per their convenience for the home loan tenor. 

• Fast credit appreciate 

With the increasing demand for real estate in India, a property can turn highly lucrative in the long run. Also, the construction cost of a property increases every day; thus, it is better to opt for early as this is an investment that can only appreciate.

• Pre-approved offers

Best home loan providers extend pre-approved offers that simplify and expedite the loan application process. Such offers are available on a range of financial products like loans against property, home loans, etc. Intending borrowers can enter their name and contact number to check their pre-approved offers.  

Thus, before filing for the income tax return, experts advise taking the assistance of an income tax calculator 2022 to get a swift and precise result. Also, check the income tax slabs and understand the tax exemption in detail for better savings.

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An MSME is any micro, small and medium enterprise involved in the manufacturing and processing of commodities. 

Likewise, an MSME loan is a financial solution that is designed to aid these ventures. To check whether you are eligible for this loan, you must use an MSME calculator. MSMEs are the second-largest employers in India, with agriculture being the first. As such, they contribute approximately 24.6% of the service sector GDP in India. 

To classify as a micro-enterprise, an enterprise should have an investment under Rs.1 crore and a turnover of up to Rs.5 crores. With the aid of the government, many lenders have increased security when providing loans to MSME businesses. Both private and government-driven loan programmes aim to provide aspiring entrepreneurs with the financial support they need to drive innovation in the country. 

To this effect, some eligibility aspects that you need to consider when opting for an MSME loan are – 

• You must be at least 18 years old and younger than 65 years at the time of maturity;
• The MSME must be operational in either the manufacturing or service sector;
• It must have a proven business record of more than 2 years and at least 5 years of experience in the industry in which it operates;
• The business must be registered as an MSME in the Udyaan portal, and the owner should be able to provide an MSME registration certificate on request; 
• There should not be any default history in the venture’s financial records; 
• The borrower must be the owner of the business. 

Documents required while applying for an MSME loan are –

• Application form filled as per instructions;  
• ID proof, as in passport, PAN card, driving license, etc.
• Residence proof, through passport, electricity bills, sales tax certificate, etc.
• Bank statements;
• Business registration proof;
• Proprietor’s PAN card;
• Sales tax documents;
• Partnership deed copy;
• Income tax returns;
• Business place address proof;
• Projected balance sheets;

Applying for an MSME loan is an easy task and can be done online and offline. In the online procedure, you would have to log on to the website of your loan provider and fill out the application form with the required details. It is also advisable to use the MSME loan calculator to ascertain the amount you can expect. A designated representative from the loan provider will contact you shortly with all the possible combinations related to your loan and options that could best benefit your business’ requirements. 

If you choose to go offline instead, fill in the details of your MSME loan application and submit it to your lender along with the necessary documents as physical copies. Then, your lender will verify the application and documentation for authenticity. Post verification of the documents and the approval of your loan, the loan provider creates and shares the loan agreement. After signing this agreement with all its mentioned stipulations, the funds will be sent to your account within 24 to 48 hours. 

MSME loans are short term loans that have been introduced to support all kinds of start-ups, small businesses and women entrepreneurs. The very concept of MSME loans as well as the eligibility criteria, interest rates, and tenor periods vary from one lender to another, but this can be used to your advantage if you do your research and find which lender can best provide the plan that is required for your business. 

One of the main blocks to MSME growth in India is its time for financial backing. However, with MSME loans, obtaining the funds for the financial needs of your business is quick and easy.

The post Factors to Consider While Opting for An MSME Loan in India appeared first on Today News Spot.

Today’s world is one in which technology touches every aspect of our everyday lives. Everything has shifted to the internet now that we live in the digital era. When it comes to connecting consumers with companies on the internet, the use of applications has always been critical. Using this mode of operation, client assistance is given in a cutting-edge manner. Because of the many advantages that educational applications provide, their usage has grown in popularity across the globe. It should not be forgotten that not all countries have enough educational resources, which is one of the reasons educational applications are produced. Because of technological advancements, Teacher apps are now available to everyone, regardless of where they reside. Given the length of this talk, I’ll offer a quick summary of the five most important advantages that these programs bring to instructors:

#1 Teacher apps can help a vast number of people.

Every teacher wants to ensure that the material they provide is comprehended by the broadest possible audience. Digital media has a broader audience and is capable of connecting millions of individuals in a matter of seconds. When a Teacher apps with positive user evaluations becomes widely available, the number of users who can access a teacher’s lectures and lessons quickly increases. Many teachers from all over the world have gotten more out of their work because of digital media.

#2 It is less expensive to use instructional software than to go to school.

Teachers may also employ instructional programs that are made available on the internet for pupils to use. Professors from the same town are often forced to travel to other locations to give lectures and teach students. There is no need to do so since everything is done online using educational programs. As a result, teachers no longer need to face the burden of traveling from one location to another. Teachers may record lectures and make modifications to teacher apps while sitting at their desks at home working on their computers.

#3 Apps for education save students’ time.

In today’s fast-paced society, it is essential to keep track of one’s own and others’ growth. People are always looking for time-saving solutions that will help them do more chores in less time. Teachers and parents may benefit from Teacher apps that are simple to use and can save both time and money. When it comes to joining the digital bandwagon, one must be prepared for a global experience. Traditional media has a smaller readership and is less welcoming of ethnic diversity. As a consequence, a teacher may reach a large number of people in a short period.

#4 It is simple to utilize instructional apps for a variety of objectives.

Teachers will have no issue learning how to use these programs since they will not be concerned with how to use them. A professor may easily record and remark on the lecture he or she is providing to pupils. Instead of delivering course materials and overview papers one at a time, the program may store them all in one location. As a result, instructors must carefully adhere to the worldview of the teacher apps.

#5 By using teacher apps, you may show the world a more professional picture.

This might be an important element to consider. As previously noted, the need for a solid portfolio is especially significant when it comes to a professional’s online presence. Teachers who are acquainted with the user interface of an app may be able to use it to enhance their online portfolios. Furthermore, if students say nice things about you on the internet, it helps your reputation as a teacher.

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Business credit cards are not just a convenient tool for making payments; they are a great feature to benefit your business comprehensively. If used wisely, that credit card can help you run a smooth business by getting more flexibility over the cash flow – particularly in stressful times. So, if you have been in two minds about whether or not to apply for a business credit card, here’s looking at all how it can help you.

#1 Get more time to pay the suppliers

Typically, business credit cards have a grace period of at least twenty-one days. So, you have at least three weeks between the purchase date and the payment date. In fact, in some cases, you have a month or even more to pay the suppliers. When you get a flexible repayment period like this, a business credit card naturally turns into a valuable tool to enhance the cash flow.

#2 No reason to tie up the personal credit

Now, you need that personal credit card for your purchases. But, as you start layering your business expenses on top of that, the credit card tends to get over-stretched, which cuts into both your personal and business cash flow.

With business credit cards, you have an extra payment tool to use. It can be helpful in the management of both business and personal credit. So, it can be used to protect personal credit as the business is leaner. But, on the other hand, it can help build the business credit history when you are actively buying on and paying off the card.

#3 Paying the bills a lot more efficiently

As you pay using business credit cards, you get to spend the vendors on time instead of making your bookkeeper or staff cut cheques and drop them in person. In addition, being consistent with your payments improves vendor relationships. Maybe you can negotiate better prices in future or even secure jobs on a tight deadline.

#4 The undeniable power of rewards

Many business credit cards have lucrative cashback and other loyalty programs that help you improve the cash flow, cover your regular business expenses, and pay down the balance. Also, in-built rewards programs let you earn points for your business or reward the employees.

#5 Get a complete picture of the spending

While using business credit cards for all the business purchases, you get to see the details of how you are spending the money – all in a place. Based on the scope and size of the business, just a simple look at the statement gives you a complete view of the ongoing costs to run the business. As you have this information on hand, you are in a better condition to assess your spending choices and determine how and where you need to save money.

The bottom line

And that’s all! These are all how a business credit card can improve your cash flow. So, go ahead and apply now.

The post Five Ways a Business Credit Card Can Improve Your Cash Flow appeared first on Today News Spot.

As we all know, India is among the largest marketplaces in the world. There are thousands of businesses, and you cannot know about all of them with every single detail of them by yourself. And doing business with any company you are unfamiliar with increases your risk and decreases your confidence in potential prospects. However, there is one tool to rescue you from avoiding such misfortunes and elevating your trust. So, if you want to know more about the application, keep scrolling to read all the details.

One Tool to Extract Business Information

The global business intelligence company Dun & Bradstreet offers you a platform named D&B iAccess. It is a business forum that provides Indian business listing in an organised way at your fingertips whenever you want. In addition, it has Indian company information about millions of businesses that are gathered from over 100 authentic sources.

One of the added advantages of using D&B iAccess is that the interface updates you continuously about potential risks (whether it is legal, financial, regulatory or reputational) and give you the latest information based on their compliance checks and monitoring tools online.

Top 5 Benefits of Having Company Information

Data is an integral part of the business scenario as it has open gates for honest and smooth business dealings. Here are some of the benefits of obtaining such information and how you could use it for your own business.

1. Risk Assessment: Before onboarding a new client in your business, you can use company information and insights via D&B iAccess, ascertain whether or not the entity fits your organisational goals, including financial terms.
2. Find Opportunities: When you have an extensive database at hand, you can explore your target market, find new prospects, assess any risks associated with them and improve your marketing strategy to convert potential prospects into a profitable trade.
3. Increase Efficiency: Your productivity increases when you have accurate data and get updates about potential risks. As a result, there are fewer chances of errors, which increases the overall business functions.
4. Smooth Decision Making: Data and insightful analysis will keep you ahead of others and ensure that your decision is logical and rational. With true facts and numbers, the quality of decision making will increase, at the same time, you can make faster decisions.
5. Saves Time and Effort: A step in the right direction with comprehensive data and information is your way to a successful business. It saves a lot of time and effort as you don’t need to create your own database. Instead, you can take the necessary decision by extracting the required information from the existing database of D&B iAcess.

Final Thoughts

Data and insightful information are the most crucial factors to run a successful long term business across nations. So, if you are a business owner who deals with inaccurate data, wrong prospect data, difficulty in trusting partners, then you should definitely use D&B iAccess. And save your business from risks and data mess.

The post Find any Indian Company Information with this Tool! appeared first on Today News Spot.

If you’re getting ready to propose and you want to make the occasion and the person you want to propose to feel special, going with a bespoke engagement ring could be a good idea. You’ll have the chance to choose the type of material, style, colour, gems you want on the ring, etc. But bespoke rings are not for everyone, and you have to know some of their drawbacks before you decide to go that route. Let’s take a look at some of the pros and cons of buying a bespoke engagement ring.

Pro – Create a One-of-a-Kind Piece

Anyone who has shopped for an engagement ring probably knows how boring they can look. The last thing you want is to underwhelm the person you are going to give the ring to with something generic. You might think that getting something expensive will impress them, but you could impress them a lot more by getting something that represents their personality.

If you know that they love a certain colour, then you could go for gems in that colour or find a metal that has a similar tone for the band if possible. Or you could go with something more eccentric like a flower or animal-inspired band. You get to let your imagination run free when choosing a bespoke ring and the person you’re going to give it to will be blown away.

Con – Bad Jewellers

Working with the right jeweller when having a bespoke ring made is of paramount importance. Mistakes can get extremely costly, and if you go with a bad jeweller that is opposed to making multiple modifications, you might end up with a piece you’ll regret buying and not even want to use it.

Instead, pick a jeweller that is known for working on pieces like the one you’re looking for and has a solid track record to show for. Jewellers like Chapter 79 could be a great option. Jewellers who specialise in bespoke pieces will be more open with designs and adjustments, so take the time to interview a few jewellers before you make your final decision and go for someone with a good reputation and who you feel comfortable with.

Pro – It Could Actually Be Cheaper

Many people are surprised when they hear this, but working with an independent bespoke jeweller could save you money. This is because they won’t always mark up the price as major retailers will. If the jeweller decides to sell the piece with no markup, then you can expect to pay around 20% less than you would for a ring of comparable quality at a big brand jeweller.

Con – You Might Kill the Surprise

You will need to get some intel before you start the ring creation process, and you might ruin the surprise while doing so. For instance, you’ll have to find out what her ring size is and what type of ring they would or wouldn’t like.

Getting their ring size without their knowledge will be difficult, but you could bring one of their rings to the jeweller. However, since it’s a ring they have to have worn recently, there’s a chance that they’ll notice if it’s missing, so be extra careful.

These are some of the main advantages and disadvantages of bespoke rings. Take the time to learn as much as you can about them – and jewellery in general – before you part with any money, as mistakes will come with serious implications.

The post The Pros and Cons of Buying a Bespoke Engagement Ring appeared first on Today News Spot.

Although you might be happy with your personal style and what you wear, there is no harm in adding a little bit of luxury to it at times. So, if you want to look and feel great at all times, here are some of the top steps that you can follow to make your wardrobe ten times more luxurious this year. 

Shop Top Brands 

Rather than simply investing in any old clothing that you happen to spot at the mall, you should consider instead investing in some of the top brands across the country, some of which may be in boutique stores. Many of these brands will be at the top of their industry for a reason, and you will be able to enjoy nothing but a wonderful experience with their products. However, you should always look at reviews beforehand to get a sense of what you should expect. So, to look at plus-size clothes from top brands, you should consider heading to froxx.co.uk, for example. 

Choose the Right Materials

You do not have to change up your style completely to add luxury to it, though. Instead, you simply need to make sure that you are choosing products that match your style and that are made from some of the best materials out there. For instance, if you love wearing shirts, you might consider investing in ones made from silk or velvet. You might also decide to opt for jackets made from leather or sweaters made from cashmere. You could even look at investing in linen or organic cotton pants for a breathable and lightweight alternative to jeans. 

Get Your Clothes Fitted

One of the simplest steps that you can take to add luxury to your style is to get your favorite items fitted for you. This will ensure that they look as if they were made exactly for you and that these clothes can suit your body shape. This is especially important if you love to wear suits and other types of smart apparel, as there is nothing better than a well-fitted suit in a professional setting. However, you need to make sure that you can hire an experienced tailor who will be able to fit your clothes accurately and neatly. 

Wear Luxury Accessories 

If you do not want to buy a whole new wardrobe or stop wearing your favorite items, though, you should consider wearing luxurious accessories instead. These accessories can help you to add a little bit of glamor to every outfit that you wear and can be worn again and again if you choose options that can be mixed and matched with any outfit. So, you should consider investing in an abundance of scarves, jewelry, shoes, and bags that can offset your outfit and bring out the glitz. 

So, you should not hold back if you want to add luxury to your style. Instead, you should make sure that your wardrobe is filled with beautiful materials and clothes from top brands that can make you feel as if you are a celebrity and ensure that you can feel confident when you are out and about. 

The post A Guide to Adding Luxury to Your Style appeared first on Today News Spot.

If you are an entrepreneur, you will know that doing your job day in day out can be a draining experience. You are likely responsible for a number of people and their livelihoods as you strive to build a business from scratch. There are countless headaches that are involved with this, from angry bank managers asking for repayment on their loans to demanding customers who, rightfully, expect nothing but the best from your products or services.

It is easy, then, for your mental health to take a significant hit, especially if you aren’t particularly experienced as an entrepreneur.

Not only are your responsibilities intense, but you are unlikely to get as much rest as you need to (those long hours spent grinding as you grow a start-up quickly take a hit on your energy levels), and you may not have a bustling social life to fall back on as a result.

Indeed, many entrepreneurs struggle to build an effective support network (vital for good mental health) because few of their friends understand what it is they are going through or may even be jealous of their success.

Therefore, you need a solid plan in place to maintain your mental health without letting go of any of the responsibilities you have.

Here are some key tips to remember:

Schedule a massage to de-stress

A fantastic way to de-stress quickly after a difficult day is to book yourself in for a massage – such as those available at heavenandearthmassage.co.uk.

It might sound rather indulgent to take time out of your day to lay down for an hour or so, switch off your phone, and put work-related worries out of your mind for a moment.

However, it is imperative that you do this in order to keep sharp, recharge your mind, and remove stress from your body. After all, it is proven that stress resides not only in the mind but also as physical symptoms in the body.

A massage can help alleviate these symptoms and leave you feeling far calmer as a result.

Keep a journal

It is often said that a problem shared is a problem halved.

Well, as an entrepreneur, you may struggle to share your problems with anyone if you are always on the go, unless you have a mentor.

Therefore, it is a good idea to write down your ideas and worries in a journal. By getting your thoughts down on paper, you effectively remove them from the front of your mind, freeing your brain up to concentrate on other things.

Journaling also gives you the opportunity to see how sensible your thoughts really are. As soon as they are printed in black and white, ideas tend to contextualize themselves better. What seems rational in your head may not sound as important once it has been written down.

Delegate responsibility

Just because you are an entrepreneur does not mean that you must carry the burden of every possible responsibility on your shoulders. There are no prizes for being a martyr and taking on too many tasks can compromise the productivity of your organization.

Instead, you should delegate tasks to the relevant members of your team; they can do just as good a job (if not better) and will allow you to conserve your energy.

The post How to look after your mental health as an entrepreneur appeared first on Today News Spot.

Business meetings can often be the bane of every business person’s life. Then, to ensure that you survive the next one and stop dreading every business meeting that you have booked into your calendar, here are some of the best tips that you can follow to get through your next one- and even look forward to it. 

Step 1: Reward Yourself

To get through the meeting and stay engaged with it while it is ongoing, you might also consider dangling a reward in front of you. This reward can motivate you to stay focused and can ensure that you want the meeting to run successfully. This reward can be anything from a takeaway dinner to an evening in bed with your favorite book after you have finished what you need to do after the meeting. 

Whatever it is, this reward should be enough to ensure that your meeting seems worth it and that you can have something to look forward to once the meeting is over. 

Step 2: Take a Companion

If you are wondering how you are going to get through your next business meeting without falling asleep, you should consider taking a companion who can entertain you throughout, especially if the meeting is going to be held in a casual setting. For instance, Playgirls Essex offer you all the companionship that you could possibly need for business meetings, with the option to let off steam afterward at a bar, club, or casino. 

Step 3: Choose the Right Venue

You can often turn your business meeting from an event to grit your teeth through to an event to look forward to by choosing the right venue, though. For instance, rather than meeting in an office or conference room, you might decide to meet at a café or restaurant where both you and the person that you are meeting can feel more relaxed. 

This can then allow you to indulge in delicious dishes while still making the important decisions that you have called the meeting for. 

Step 4: Make it Short 

While some people take an hour or two to hold their meetings, you should plan to have it over within half an hour or so, if possible. Not only is half an hour the limit of most people’s concentration, but it is ample time to impart the information that you need to and sign the contracts that need signing, while cutting out all of the parts of the meeting that are most likely to waste everyone’s time. 

Step 5: Decide an Agenda Beforehand

Making an agenda beforehand and deciding exactly what you are going to speak about at the meeting is important as this can prevent both parties from being side-tracked and can ensure that you come away from the meeting having done everything that you needed to. This can also ensure that you know what the goal of the meeting is. 

You should also write down what you want to say and make notes for the meeting, ensuring that you bring these along with you so that you can stay on track and close the meeting as soon as possible.

The post 5 Steps to Get Through Your Next Business Meeting appeared first on Today News Spot.

The wedding day is one of the biggest days of life and gone are the days when it was just women who focused on dressing up. With the changing trends in the fashion industry and with fashion becoming a major part of our lives, grooms have also started to look their best on the big day. So, if you are unable to find websites dedicated to grooms for their wedding, do not worry. This article will provide you with some quick tips for dressing up for your wedding. So, let us get started!

#1: Make sure that the cut is right.

With regard to men’s fashion, very few things have changed as compared to the changes in women’s fashion. And the one thing that matters the most regarding sangeet dress for men is the cut. Make sure that it is cut in a way that suits your personality.

#2: Wear something light on your engagement.

The engagement ceremonies are low-key, where there is no dancing and few people. So instead of wearing something heavy like a sangeet dress for men, go for something casual and classy to feel relaxed. But make sure that it is not so simple that you are overshadowed by the guests at the ceremony.

#3: Accessorise rightly.

Accessories can add statement to your attire. Accessorising rightly is the key. If you are not able to decide what necklace, turban, or bracelet will go with your attire, consider hiring a professional for the same. In fact, when it comes to sangeet dress for men, grooms can even consider wearing a bracelet that complements the colour of their outfit. However, if you are planning to keep it simple and casual, wear a matching watch.

#4: Go for a Meni/Pedi Session

Yes, you read that right. Even as a groom, you must get your Meni/Pedi session since you are going to be barefoot at the mandap and you definitely do not want those feet to not look their best. And what about the ceremony of juti? It’s best to be on the safe side!

Once you are done shopping for the wedding, including looking for a wedding and sangeet dress for men, you should get started with your grooming sessions.

#5: Write a letter to your bride!

One of the most commonly possible things is to forget your bride, especially because of so much that is going on. However, it is for the two of you that the function is taking place. So write a letter to your bride before the unravelling of the day. Even if you are not a writer, just write whatever flows. The best idea would be to get it delivered while she is getting ready for the Big Day.

#6: Get your wedding clothes ironed.

With everything else going around and so much to manage, it is possible to not realise the fact that your clothes are not ironed. So, whether it is the sangeet dress for men that you bought or the groom’s wedding dress, remember to get them ironed in time.

The post Quick Tips on Men’s Fashion for their big day! appeared first on Today News Spot.

What is a Dedicated Server?

A dedicated server is a server used to host websites, data, applications, and services of a single hosting user. These are the servers that are completely dedicated to an individual or organization. You can configure and modify the server as per your requirement to make it suitable for the needs of your website. If you want a private server that works only for you, then getting a Managed Dedicated Server is the best option for you.

How does a Dedicated Server work?

A dedicated server is a physical server usually rented from a dedicated server hosting provider, used by an individual or company for their business website needs. Choosing this server means that you have your own physical server instead of any shared server, that is shared with multiples of other users on the same server.

How to Choose the right hosting for your website

Choosing the right hosting for your website and business is a very crucial step. You need to consider many factors before selecting the hosting provider. The best hosting companies are those that provide you with good customer support, advanced features like SSL security, automated backups, etc. These features will help you manage server efficiently and reduce time spent on maintenance of it as well as save money in case of any technical issues or errors by choosing such providers. Hosting is a fundamental part of any website or business. Without hosting, your site will not be accessible to the public and you won’t be able to do anything on it. However, choosing the right hosting can sometimes prove difficult as there are many options available in the market today.

How A Managed Dedicated Server Can Benefit Your Business?

Managed Dedicated servers are a great way to host your web applications and open-source projects. Every dedicated server comes with its own costs. Here’s how you can get the most out of your dedicated server and make sure that it does not exceed its budget. These days, it is not just small businesses that need a managed dedicated server. As the world becomes increasingly digital, everything is becoming more reliant on cloud computing. All of your business needs are best served by a managed dedicated server. Let’s look at why this solution is so important for businesses of all sizes. Managed Dedicated Server are the best way to build a high-performance web server for your business. And it doesn’t matter whether you’re running a small online store or a large online platform, a managed dedicated server can provide excellent performance and reliability at an affordable price. Dedicated servers come with many benefits. They are cheap, effective, and offer a wide range of flexible options to their users.

Why is a Dedicated Server Needed?

Dedicated Server is an ideal hosting option for online businesses operating in the United States that take care deeply about their website’s privacy, security, and superior performance. You can customize and modify the server as per your requirement for the website and you have complete control over the entire server.

Here are some of the key reasons why you should consider choosing a managed dedicated server for your web hosting: –

It Provides Better Performance: –

Dedicated servers provide a specialized, dedicated operating system without the allocation of resources. The server you buy is completely dedicated to you and you get complete control over it. This means that it will give better performance and faster application than any other server.

It is Budget-Friendly: –

A dedicated server is the most budget-friendly option and the best value for money if you want your website to last longer. Yes, cloud servers and shared servers seem cheaper than a dedicated server, but a dedicated server will provide a lot more resources and the number of users you can serve at any given time. A dedicated server provides everything from maintaining the network to the supply and maintenance of server hardware. If anything goes wrong then we are fully responsible for resolving any issue.

It Offers Amazing Flexibility: –

Dedicated servers can be used for many applications or websites because they are extremely flexible. Most commonly used for a dedicated server is to run a web hosting environment, while other applications include database storage, custom virtualization setup, email accounts, and more.

It Allows You to Customize: –

Going with a dedicated server, you can easily customize the hardware as per your guide. Whether it’s adding more RAM, needing extra hard disk space, or a need for a faster CPU, all hardware is customizable. In addition, if you need more resources for your business website needs in the future, you can contact us at any time and request an upgrade to suit your growing business needs.

It Provides Extreme Security: –

This dedicated server is for your use only as the name suggests. With a shared server and cloud server, the server is shared among all web users that are housed on the same physical server, and as a result, you are not the only user who is using the server, there are others like you. This increases the risk of data loss, intrusion, and interception. In simple words, your data is more secure on a dedicated server than on any other server.

Conclusion

Some Best Hosting Providers help you choose the best Managed Dedicated Server for your business. The company has a team that has specialized knowledge in dedicated servers and can advise on the best solution to host your website and help you achieve the results you need. If you are looking to host a new website.

The post Tips To Manage Your Website Through Dedicated Server appeared first on Today News Spot.

Everyone needs that one space in their home where they can go to relax, unwind, and de-stress from the hustle and bustle of the daily grind. This is important for your peace of mind and sometimes even your sanity, but what is the best way to create a relaxing space in your home?

Find Your Space

Finding your space is the first and most important step. You may want to create your own man-cave in the garage or shed, relax for as long as you want to in a hot bubble bath, or make your bed a space for peace and tranquillity. Once you have chosen your space, you can start to make it your own.

De-Clutter Your Space

A cluttered space leads to a cluttered mind and you are never going to be able to rest and relax if you are sitting on an old suitcase staring at a load of car parts you have forgotten what to do with. De-cluttering has to be the first thing you do once you have found yourself a space.

A great rule of thumb is to throw out anything that you haven’t used in the last six months. If you haven’t used it, you don’t need it now. Once you have thrown away everything you don’t need, find some organised space for the things you want to keep. Everything should have a home, and once it does, your space and mind will become clutter-free, and you can start to relax.

Customise Your Space

Making your space your own is a tricky business; after all, other people may have to use the bathroom or shed at some point. However, if you have furnished your space as you like, it will feel like it is your own even if you have to share it sometimes.

There is a lot you do to customise your space. You might decide to add some candles or cushions to make your space comfortable. You may prefer to push the boat out and google bathrooms St Albans to create a totally new bathroom if you live in the Home Counties. Whatever your preference and budget, you can customise your space to make it your own.

Decide What to Do There

Once you have gone to the effort of making your own relaxation space, you will probably have an idea of what you want to do in it. You may need to add some essentials so that you always have your favourite relaxation techniques to hand. This may mean putting your favourite scented bubble bath in your new bathroom, placing books by your favourite author in your bedside cabinet, or attaching your own TV to the garage wall.

Creating a space that you can call your own will give you the stress-free existence you have been looking for. Make sure that everyone around you knows that you retreat to this space when you don’t want to be disturbed and enjoy a little ‘you’ time. You deserve it.

The post How to Create a Relaxing Space in Your Home appeared first on Today News Spot.

A fixed deposit is an investment to grow your savings and earn a higher rate of return than a regular savings account. It is offered by banks and NBFCs (Non-Banking Financial Companies). A fixed deposit has the lowest risk in the portfolio of investment. Money is invested in a fixed deposit with a lock-in period and interest is given either at the end of the maturity date or as a regular payout. Fixed Deposit is a very lucrative investment option as it gives out interest rates regularly and has easy liquidity. 

Parking your investment in the correct Fixed Deposit in 2021 will ensure high fixed deposit returns on maturity and also a choice of regular interest payouts throughout the chosen tenure.

To ensure high returns you must look for a Fixed Deposit scheme with a high-interest rate payouts before opening a new fixed deposit account or renewing an existing one. 

Bajaj Finance Fixed Deposit Calculator can help you simply determine the Fixed Deposit maturity amount. You will need to follow a few simple steps to check the FD interest rate and  FD maturity amount. Firstly, you will need to go to Bajaj Finance FD Calculator and choose the type of customer you are. Then put in the FD type (cumulative or non-cumulative) and the amount of your principal and the tenor. The final amount of interest and your total amount earned at maturity will be displayed on the screen.

When you use Bajaj Finance Fixed Deposit calculator, there is an option that appears to choose from cumulative and non-cumulative payout options. These two options determine your interest rate and maturity value.

A cumulative Fixed Deposit scheme on the other hand is an option where interest is payable at the time of maturity along with the principal. The amount, in this case, is compounded annually. It is a perfect fit for someone who does not require periodic interest payouts.

A non-cumulative Fixed Deposit scheme is an option where the interest is payable on a monthly, quarterly, half-yearly, and yearly basis. This kind of option is designed to suit someone who needs an interest payout periodically

What exactly is the Bajaj Finance Fixed Deposit interest rate calculator?

Before you invest your money in a fixed deposit, you need to determine the amount of money that you will receive when the Fixed Deposit reaches its maturity. This is where the Bajaj Finance Fixed Deposit is very useful.

How does Bajaj Finance Fixed Deposit calculator work?

The Bajaj Finance Fixed Deposit Calculator is very easy to use. You need to put in the fixed Deposit amount and the tenor to calculate the amount receivable on maturity. It is also useful in calculating both cumulative and non-cumulative payouts. check how to calculate fd rates in india. 

The returns on your fixed deposit investments are calculated using your interest rate and frequency of interest payouts. The interest rates for Fixed Deposits are compounded periodically and the formula supporting the FD interest rates calculator is put below:

A=P(1+r/n)^n*t

Where,

• A is the amount on maturity
• P is the principal amount
• r is interest rate
• t is the number of years
• N is the frequency of compounding

To understand this better, let’s take an example of a senior citizen applying for Fixed Deposit. Suppose the senior citizen invests Rs 1 lakh in a fixed deposit for 3 years at an interest rate of 6.75%. This investment is compounded annually. As per the formula provided then, here is the calculation:

• A= 1,00,000*{[1+(0.0675/1)]^(3)}
• A= 1,00,000*1.21648
• A= 1,21,648

Bajaj Finance also calculates the FD effective interest.

Your interest income and yield of your Fixed Deposit is influenced by the effective interest rate on your deposit. The following formula is used to calculate the effective annual interest rate.

Effective Rate = (1 + Nominal Rate / n) n-1

Here,

N is the number of periods per year

Let’s say for example, the annual interest rate is 10%. When the interest rate is compounded annually, it will turn out to be 10%. But if it is compounded quarterly, the effective interest rate would be 14.48%

So the next time you plan to invest in Bajaj Finance Fixed Deposit, you can use the Bajaj Finance Fixed Deposit Calculator to determine the best Fixed Deposit type and tenor for your needs.

Must Read: How does CKYC Help in the Process of FD?

The post Calculate How Much Return your Fixed Deposit Will Give In 3 Years Time appeared first on Today News Spot.

The first question people often ask themselves when they are getting dressed is whether it is appropriate to wear an accessory.

Traditionally, accessories are worn during formal occasions or to complement another piece of clothing. The answer to this question also depends on the type of occasion.

For instance, you would not need accessories for a casual outing with friends but might choose them if you were going out for dinner or a night out dancing.

However, this does not mean that every evening event requires accessories. If you are attending a family gathering or house party, then it can be perfectly acceptable to attend without any jewelry, hats, scarves, etcetera.

How to Know What Accessories to Wear With What Outfit

First, identify the event you are attending.

For example, if it is a pool party, then the choice of accessories will be different from those if it was a fine dining evening. Once you have identified the event, match your accessories accordingly.

For instance, if it is an evening cocktail party, you should wear a cocktail ring, bracelet, or watch that complements your outfit.

The great thing about accessories is that they can transform an outfit from everyday to special occasion simply by adding one component. It can also be quite fun experimenting with various combinations or quirky pieces until you find something that works for you.

A great example of quirky yet fashionable pieces is the fashion for raw stone jewelry. Stores like Fullmoondesigns.co.uk, for example, have a great selection of really beautiful jewelry that is really unique.

How To Shop for Accessories Online for Every Style

Many stores sell beautiful accessories of all kinds. However, the one place where most people can find the variety they need is online.

Stores like ASOS, Marks and Spencers, and H&M are just a few examples of online stores that sell accessories for every occasion.

More importantly, however, online stores have made it possible for customers to buy items by size and color as well as style and design so that they can customize their purchases to their exact requirements before arriving at their homes or in person to make the purchase happen.

How To Choose the Right Colors for Your Accessories & Clothing

One of the most important things to consider when buying accessories is your clothes.

For instance, you wouldn’t want to match a blue bracelet with yellow pants because it would make the pants look off even if they were perfectly comfortable and fit perfectly well.

This means that the colors of your accessories should be carefully coordinated so that they complement each other. For this reason, it is always a good idea to use colors that are neutral in instances where you cannot coordinate colors directly.

In addition, avoid wearing lots of different colors together because it will take away from your outfit.

This doesn’t mean that you need to wear less color or a single color in your outfits and accessories. However, it does mean that you need to consider what colors go well together and which ones are complementary.

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Everything you need to know about locating, evaluating, recruiting, and keeping skilled junior developers in one place.

According to a recent forecast from the Computing Technology Business Association, the IT industry will be worth $5 trillion in 2019. Every year, the IT industry gains traction, creating a demand for more technical skills.

Junior developer roles are many and varied, and the procedures for evaluating these applicants reflect this. Hiring a junior front-end developer differs from hiring a junior mobile developer. Recruiters will also want to ensure that after all the effort of acquiring and onboarding a junior developer, the applicant stays with the organization for a long period. It needs strategic preparation and effort to maintain these highly talented and in-demand employees.

With so many variables to consider, we felt it would be helpful to guide you through the four essential stages of junior developer recruiting, providing practical advice and step-by-step instruction.

Purposeful Sources

Your hiring strategy should try to broaden sourcing efforts and naturally reach out to high-quality individuals.

Use a variety of efficient approaches to locate excellent junior devs. Let’s have a look at our top five strategies:

• Because it is more personal than sending an email, on-campus recruitment improves the applicant experience. Concentrate your search on a few universities. Career fairs, meetings, and industry speeches are all good methods to meet new graduates.
• Hackathons allow junior coders to demonstrate their problem-solving abilities. Use platforms like Codility to benchmark people’s code.
• To reach a large number of candidates, job boards are employed. To reduce the number of unqualified leads, look for a job board that has a pre-qualification feature.
• Coding boot camps may be a good way to find bright, diverse junior developers who don’t necessarily have a degree in computer science.
• Internships allow younger applicants to put their abilities to the test in a real-world setting, and they also allow you to examine prospective new developers before making a formal employment offer.

Use each of these strategies to assemble a pool of skilled candidates to fill future job openings, often known as a talent pipeline. Maintain an open channel of communication with candidates who appeared like a strong cultural fit but didn’t make the final cut, and assure them that they’ll be considered for future job vacancies. Trust, open communication, and solid sourcing are the ingredients for a successful talent pipeline.

Early Detection is Key.

A vital stage in the recruiting process is screening prospects before asking them to an onsite interview. Because you have the most prospects at this time, the filter you have in place must be effective. Always have a strategy for what you want to talk about throughout the screening phase:

• Expectations in terms of the pay range
• Coding experience (professional and/or recreational)
• Is there any competition for the candidate’s services?
• Soft skills in the beginning
• Technical knowledge in general

Early in the recruiting funnel, effective screening provides a clearer view of candidates’ skills. Use technical evaluation methodologies to distinguish proficient junior developers from those who are unable to execute at the required level.

Interviews With Experts

After you’ve completed your first screening, check into the candidate’s behavioral fit, technical competency, and career prospects. The purpose of an interview is to see if this individual share your company’s basic principles.

To determine applicant fit, use the following interview tactics and tricks:

• Inquire about your actions.
• Use code assessment tools to quantify technical talents and compare them to other applicants.
• Pair programming may be used to assess communication skills and establish a relaxed setting for Q&A.
• Request that applicants express their short- and long-term objectives; this will allow them to reflect on their own strengths and future possibilities.
• If you’re hiring a React Developer, for example, you can ask the candidate react js interview questions.

Consider Long Term Growth.

Consider what you can do to keep great junior talent once you’ve hired them. According to our Developer Report, younger developers value mentorship above everything else, and professional growth is more desirable than a higher wage. Use this information to guide your plan; for example, mentoring programs can assist applicants in achieving their professional objectives while also exposing mentors to fresh ideas.

Here are a few additional ideas for long-term talent retention:

• Give both positive and negative constructive comments to younger developers to ensure that they are learning and improving.
• Encourage senior teams to field questions and be mentors to help candidates reach their full professional potential – they’ll open themselves up to new ideas too
• Establish a consistent method of evaluating people—tools like Codility can quantify technical capabilities, making it easy to rate them.

Important Points to Remember

Junior developers who have early exposure to strong management and meaningful work may add a lot of value to your company. By establishing a dependable and scalable recruitment process, you can position yourself and junior talent up for success.

We’ve spent a lot of time considering how to enhance junior developer recruiting and the many tools hiring teams require to obtain high-quality insights without hurting the candidate’s experience.

Orignal Source: https://www.careersingovernment.com/tools/gov-talk/about-gov/education/a-guide-to-recruiting-junior-developers/

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If you’ve been in the market for a home loan that is both affordable and sizeable, the moment for you has finally arrived. Just as we close the door to 2021, 2022 has opened with the promise of attractive offers and ample savings. Leading lenders continue the festive frenzy with their special offers and discounts in hopes of keeping the demand for home loans and property sales at their peak.

One such lender is Bajaj Housing Finance Limited, which also recently unveiled its festive offer of low-interest home loans, announcing a reduction in home loan interest rates, now down to 6.65%* for eligible applicants. Borrowers can also link their home loan interest rates to the RBI Repo Rate to gain directly from possible rate reductions under favorable market conditions. This not only makes the cost of borrowing easier on your pocket but also maintains the level of transparency and customer-centrism that the lender is committed to.

The process to apply for the Bajaj Housing Finance Home Loan is direct and fuss-free. The eligibility criteria are easy to meet, and following approval, the lender guarantees loan disbursal in just 48 hours*.

Top 3 Things to Note about the Home Loan Eligibility Criteria 

The aforementioned home loan eligibility criteria are straightforward and easy to follow – leaving very little space for any doubts or confusion. Knowing that you satisfy all the eligibility criteria lets the lender give you the best home loan deals without worrying about bad debts or repayment troubles. 

Let us walk you through the Bajaj Housing Finance Limited Home Loan Eligibility Criteria for better clarity. 

• Offer Open to Salaried & Professional Applicants 

The lender allows both salaried and professional applicants to apply for the low interest rate home loan, provided they have the required amount of work experience. Salaried applicants must be employed at a public, private or multinational organisation with a minimum 3-year tenure. Similarly, professional applicants are also required to have a 3-year of work experience in their respective fields, in order to be eligible to apply.

• CIBIL Score of 800 and higher 

Your CIBIL score is the summary of your credit patterns, income and financial obligations, repayment history and creditworthiness and allows lenders to gauge whether or not you’re worth the loan amount you are seeking – hence, having a good credit score is imperative for meeting the eligibility criteria. 

To be able to apply for the lender’s festive offer, applicants must have a CIBIL score of 800 and above. However, applicants whose CIBIL score falls between the range of 750 and 799 are also eligible for a low interest home loan.

• Offer Valid on Online Applications 

The offer also dictates that all home loan applications must be made online through the lender’s website to be eligible. Bajaj Housing Finance Limited continues its work towards digitising the mortgages industry, and as a part of that campaign, has re-launched its end-to-end digital home loan borrowing journey, for the benefit and safety of its customers.

Applicants must also submit the application by 26 January 2022 to be eligible for this offer, and only loan disbursed by 25 February 2022 will be considered. 

Use the Online Home Loan Calculator during your Home Loan Application 

It is important to check your home loan eligibility criteria, so you can maximize the chances of home loan approval. And to assist you in doing this is the handy home loan calculator tool that is entirely online and free of charge. This digital tool allows you to adjust your desired loan amount, loan tenor, and interest rate to get the corresponding EMI and interest payable. Doing this before you approach a lender gives you an insight into the feasibility of your home loan ask and minimises the risk of rejection. 

Why leave it to chance when you can get near-real and accurate data based on your details? This approach also gives you a heads-up as to how you need to plan your finances before you formally seek a home loan.

Final Thoughts

Successful applicants can access a range of benefits with Bajaj Housing Finance Home Loan, including a sizeable loan amount of Rs. 5 Crore and higher basis eligibility, customized repayment facilities, fast processing, quick approval, and external benchmark linked loans (repo rate). 

The home loan journey is designed for ultimate convenience; a user can complete the process while taking calls or responding to emails. With a plethora of benefits, a user can now make their dream home a reality.

*Terms and conditions apply. Visit the lender’s official website for the complete list of terms and conditions.

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When you are running a business, there are lots of things you need to take into account, and into consideration. Pushing your business forwards, and also pushing it into the future is important. If you do not keep a close eye on what your business is doing, and what it is offering, then you may end up missing out. So, what can you do to push your business forwards, and at the same time make it more eco-friendly too? After all, eco-credentials are more positive for your business than you realize.

Focus on Sustainability

Sustainable practices and even sustainable ways of working are key to your business both now and in the future. If you do not look at using sustainable practices, then you will struggle to keep your stronghold moving forwards. Sustainability within your workforce and sustainability within the suppliers that you use will make a difference to how eco-friendly your business is. When you undertake any new business with distributors or suppliers, take the time to check out their eco-credentials, especially if you will be working closely with them, as their reputation can have an impact on yours.

The Packaging You Use Has an Impact

How you package, label and sell your products or services is just as important as anything else that you do. Using eco friendly packaging is essential within your business, and making the change does not have to be as difficult as you think. Eco-friendly packaging is affordable, and it ensures that your business has less of an impact on the environment (and isn’t this what all responsible business owners should be focusing on).

Look At Using Remote Workers

Do you need to employ a physical workforce? Running a business from any location uses a lot of resources, and if you can fulfill your business requirements using remote workers, then why wouldn’t you? Lots of business premises are old, in need of repair and certainly not eco-friendly. So, why not remove this barrier and instead turn your attention to remote workers.

Save Energy Where You Can

Energy usage is one of the largest contributors to climate change. However, making changes to how you use energy can help to make a difference (even if only a small level). Reducing the energy that you use within your business, and even investing in renewable energy for use within your business will ensure that your business is eco-friendly, and driven to do more/offer more. Being conscious and aware about what energy you are using will impact how you run your business, and this will be something positive both now and in the future too.

Reduce, Recycle and Reuse

When you look at how your business runs and operates, can you see any ways to make changes or cuts? Can you see any areas in which you can reduce, recycle, and even reuse products? For example, instead of simply throwing plastic packaging in the bin, can you find anywhere local that recycles it – or perhaps can you find a community initiate or project that needs it?

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One of the most exciting times in the life of any tradesman is reaching a point when they feel it’s time to venture out on their own. Are you in the process of starting up an electrician’s business? If so, there is a side to owning and operating your own business that you may not have been privy to when working for someone else. The following 3 tips should help you get off to a solid start.

1. Learn and Adhere to Legal Requirements

The first thing to be aware of is that there are different rules in Scotland and Northern Ireland than those in England and Wales. Therefore, it will depend on where you intend to do business if you are to stay compliant with legal requirements. No matter what type of training or education you have completed, there are laws that must be obeyed when operating as a business. These requirements may also be different between commercial jobs and domestic jobs, so take the time to learn what is expected of you and how to stay compliant. As with any other violations of UK law, there will be consequences, so learn how to avoid them. They could be quite costly.

2. Find Cost-Effective Parts and Tools of the Trade

You may be familiar with suppliers your previous employer dealt with but that doesn’t mean those are the only vendors or suppliers available. Take the time to look at sites like powerpointelectrics.co.uk where you can find wholesale prices based on the number of items you purchase. Distributors like this will have delivery options available and you may also check into how you can qualify for credit. Therefore, no matter where you intend to work in the UK, it’s imperative to find suppliers who can get parts and tools to you timely.

3. Don’t Underestimate the Benefits of Marketing

Also, as a new contractor, you may need to begin building up a clientele. Some of your customers may be a one-off job and others might be builders or contractors that would require your services repeatedly as the need arises. It is suggested that you not only have business cards printed immediately but also list your services on Google local. Did you know that more people find new businesses online now than in any other way? While word of mouth is great, it can be slow in the beginning. Maybe you might want to have a website developed or set up a social media site. Every time you serve a satisfied customer, ask for a customer endorsement. These are the 21^st-century word of mouth referrals and they go a long way toward helping you build your startup.

Everything may be a bit overwhelming at first but if you work through it, you will find that your work will speak for itself once you begin going out on jobs. In the end, that’s the key to success. Provide quality work at prices that are competitive, and you will have an abundance of customers in a very short time.

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Construction technology is always evolving. The construction industry has historically embraced new ideas in chemistry, computing, and engineering very quickly. Innovation in construction technology helps keep projects safe, efficient, and easy to budget. Here is a quick roundup of 4 innovations in construction technology that are influencing the building projects taking place all around us.

Practical Mini Cranes

Cranes have been essential construction tools for over 5000 years – when ancient Mesopotamians first put them to use in modern times. The most common types of cranes have been tower cranes and large mobile cranes. These machines are wonderful, but they are not suitable for every job. Some small jobs do not need these vast machines, and their extreme cost makes projects far less efficient. Thankfully, there is now a new kind of mobile crane that is suitable for smaller jobs. Construction contractors that only need to move reasonably small objects now have the option of contacting a mini crane hire company. Mini cranes are easy road transportable and do not use as much power or require as much expertise to operate as their more bulky cousins. Miniaturization is important in the construction industry as contractors attempt to cut down on costs.

Virtual Reality

At first glance, it might be hard to see a use for virtual reality in the construction industry. It just so happens, however, that the technology is proving very handy indeed for some forward-thinking contractors. VR, however, is slowly creeping into the industry and making projects far more efficient to conceptualize and complete. VR realizations of buildings can help stakeholders understand the project they are buying into. They also allow architects and construction staff to troubleshoot any potential problems with a building before they arise. Many larger construction companies are investing heavily in virtual reality and augmented reality software. Virtual reality also allows construction and architecture professionals to display their work at conferences and to potential customers.

Building Information Modeling

Virtual reality can be considered one element of a Building Information Modelling system. A Building Information Model is a digital representation of every aspect of a project. This digital representation can then be shared among stakeholders, experts, and construction professionals in order to increase the knowledge base – and therefore efficiency – of a project. Building Information Modeling can, in theory, prevent the breakdowns of communication that are the cause of so many disastrous messes in construction.

3D Printing

3D printing has been around for a while now, but it is only just beginning to have an impact in the world of construction. Earlier this year, the first genuine tenants moved into a 3D-printed home that was constructed in 120 hours in Holland. This marks a watershed moment in construction history. Computer-Aided Design programs can pass information onto 3D printers remotely, which can quickly construct the basic structure of a home without rest. If embraced wholesale, this technology could completely change the construction market. In theory, 3D printing technology could help house people fleeing from war or who require temporary shelters that can be built quickly.

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There is ever-growing concern over the climate crisis, and it’s an issue that is not going away anytime soon. While governments all over the world speak of new green initiatives and deadlines to achieve their goals, it’s also important to think about what individuals can do to combat this problem. One way that you can do your bit for the environment is by looking at home improvements to help you create an eco-friendly living space. Not only will this mean that you’re doing your bit for the planet, but some of these changes can also boost value to your property. Below are some suggestions on the kind of updates you can make to achieve this.

Solar Panels

Having solar panels installed onto your roof is a great step to living a more sustainable lifestyle. You may have noticed that a lot of new build homes have these in place already, which indicates that they are a feature that future buyers will be interested in having. Not only can this help to add an eco-friendly touch to your home, but it can help to save you money in household bills by providing an alternative energy source from the main grid, too.

Bioethanol Fireplaces

Fireplaces are already desirable features in homes, and they are perfect for warming up a room and making you feel cozy when it’s cold outside. Classic wood burner stoves look excellent, but for a truly environmentally friendly way to keep yourself warm, consider getting a bioethanol fireplace instead. They don’t require flues which makes them ideal for a home that hasn’t originally had a fireplace built-in, so if you have always wanted one, this could be the perfect solution! Find out more from stonewoods.co.uk.

Flow-control Faucets

It’s much easier to wastewater than you might think, whether that’s accidentally leaving the taps on or taking long showers every day. While being more mindful of these things will help, flow-control faucets and toilets can help to reduce your water wastage at home. These can be easily installed, and many come in stylish designs to fit in with your aesthetics.

Smart Features

Smart tech in your home doesn’t just make daily life easier, but it can also help you to be eco-friendlier too. Smart kitchen appliances are designed to be energy efficient, and it’s worth investing in these items to keep your household bills down and reduce your carbon footprint. Smart showers can also help to reduce water wastage, as well as allow you to have the perfect temperature every time you wash. Smart thermostats are another feature you should have in your home if you don’t already, as these will let your monitor in real-time how much energy you are using. It can also allow you to control your heating from an app via your home, so if you accidentally leave it one when you leave the house, it’s easy to switch off from afar.

If you want to do your bit for the planet, consider these updates you can make to your home for an eco-friendlier property and lifestyle that will make a difference.

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Education is significant to every child. Irrespective of their financial status, each child must be acquainted with the institution of education and empowered to obtain a wise career prospect in the coming years. It is the crux of shaping their future and helping them become better citizens of the country.

Today, an online loan for education can be helpful for several families to educate their children and keep their future running. This article will find relevant information to understand the importance of getting this loan for educational purposes. Stay put till the end for more.

Financial Benefits

Families that cannot afford comprehensive education for their children may be forced to train their kids to beg. That remains as the only source for their income. This way, children are exploited severely and denied the fundamental right to education. But with an online loan, children can now pursue their dreams without costing the family its financial stability. As such, families gladly allow their children to seek education and showcase academic excellence in the years to come. It naturally comes as an added financial benefit for them. So, they can spend money on other significant necessities at the time.

Many Expenses Covered

The education loan or online loan isn’t one that merely provides school fees for your child. It may also help with their study program, tuition fees, travel expenses, laptop for studies, and more. Since families could not afford them independently, these loans provide coverage for all these things without any worries. As such, the child can continue to educate themselves without any hindrance and do not provide any additional burden on the family.

Easy Repayment Terms

Today, several potential banks provide low-interest rates on an online loan. They also offer preferential rates for the best and the most popular academic institutions. It mainly covers colleges and universities. But that is not all. They may also be ready to deliver flexible collateral along with co-borrower terms for utmost convenience. As such, the loan repayment becomes an easy task and a stress-free procedure too.

Pay After Education

The best part about these online loans is that you get the liberty to pay them back once the student’s education is over. Therefore, it helps you in building a sense of reliability and pay the sum without any worries later. Apart from this, you can also make most of the repayment schedule as a guideline when you are planning finances for your family.

The Bottom Line

An online loan for education is highly credible today. But when you wish to seek these loans, make sure you only obtain them from credible sources. Then why stop? Since scams and fraud based on online loans have grown severely, we advise you to scout for the right bank after careful inspection. We will also advise you to take professional help if you are unable to do this yourself. They will make sure to only get your hands on trusted sources for a safe future ahead.

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The Pradhan Mantri Awas Yojana (PMAY) is a flagship scheme of the Indian Government that aims to provide affordable housing to urban and rural poor by 2022. The scheme, which focuses on ‘Housing for all’, plays an influential role in ensuring women’s ownership of Pucca house.

In addition, the Government’s decision to mandate house registration in the name of women head of the family for ownership or co-ownership has further strengthened the initiative towards women empowerment.

PMAY: Empowering Women

The Pradhan Mantri Awas Yojana is a Credit Linked Subsidy Scheme (CLSS) that provides home loan interest rates subsidies. This government-backed scheme encourages homeownership in urban and rural/gramin areas through PMAY Urban and PMAY Gramin, respectively.

The benefits of PMAY are available in the basic income category, which is divided into four segments. These include,

• Economically weaker section (ESW): (with an annual income of Rs.3 lakh)
• Low-income group (LIG) (with an annual income of Rs.3 lakh – Rs.6 lakh)
• Middle Income Group- I (MIG-I) (with an annual income of Rs.6 lakh – Rs.12 lakh)
• Middle Income Group- I (MIG-II) (with an annual income of Rs.12 lakh to Rs.18 lakh)

According to the latest PMAY- U guidelines released in 2021, families applying for PMAY must include one woman as the property owner availed under the scheme. However, if the house lacks any adult female members, the ownership will be transferred to the male member.

The inclusion of the name of the female head is ensured through valid registration of title or sale deed or ownership of the property. This inclusion of name in the PMAY Urban scheme shall be continued even after 2022.

Benefits For Women

This government-backed scheme has empowered women, especially those from ESW and LIG households and provided affordable pucca houses and the provision of basic amenities. Also, this scheme ensures other benefits. These include,

• Subsidy Benefits

The Government offers subsidies of up to Rs.2.67 lakh to women applicants. However, to avail this benefit under PMAY, women applicants must be and first-time home buyers.

• Decreased Interest Rate

Female borrowers applying for a home loan under PMAY usually get concessional interest rates. There are several lenders that offer affordable home loan interest rates for women under PMAY.

Moreover, leading financers extend pre-approved offers to simplify the home loan application experience. These offers are also applicable to other financial products, including loans against property. Individuals can check their pre-approved offers by providing name and contact details.

• Tax Benefits

PM Awas Yojana offers tax benefits, including a deduction of interest up to Rs.2 lakh per annum. Here, the owned house must be self-occupied. If the application is made jointly by husband and wife and if the wife has a separate source of income, both can apply for tax benefits. However, tax deductions will be calculated depending on the ownership of each co-owner.

• Reduced Stamp Duty and Registration Charges

Several state governments have come up with the decision of partial waiver on stamp duty and registration charges. Further, the Government offers an exemption of these charges for women belonging to ESW and LIG sections under PMAY-U. Thus, women can benefit from taking home loans under the PMAY scheme.

Please note that women applicants who have applied for this scheme can check the PMAY list. In addition, the PMAY list has been published, which shows the selected applicants from 2021-22.

The benefits of PMAY are available for women irrespective of caste (SC and ST category), marital status (single, widow), physical ability or employment status. This is evident from the 2018 publication of ‘Transforming Urban Landscape- Empowering Women through PMAY’ by the Ministry of Housing and Urban Affairs (MoHUA). It showcases the stories of 35 women across the country who gained social security and dignity by shifting from their kutcha to pucca house under the PMAY scheme.

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A creative task in the form of an essay is commonly found in schools and colleges. This is one of the forms of examination for admission to universities. Essays must be written to senior high school students during the final academic assessment according to the language of instruction.

In the article you will find useful information regarding preparation for the creation of this genre.

What is an essay written by a rewriter 

For those who are looking for help with writing or rewriting a college essay or any other academic paper, smartessayrewriter.com is a professional online service, who provides an excellent rewriter to rewrite a thesis, or any other college assignment of any difficulty level. 

What is an essay? A laconic statement of one’s own judgments and views concerning a socially important topic is defined as an “essay”.

This is a prose work, which is primarily a fiction and journalistic genre. Writing essays in schools and colleges has a specific goal, which is to teach schoolchildren and students to articulate their thoughts with reason, support judgments with examples, analyze, compare and give their assessment of events and phenomena.

The free form of expression of thoughts in an essay still needs to be supplemented with specific life situations, examples from literature, history, and the media. A distinctive feature of this genre is the individual considerations, impressions, and evaluations of the author. More attention is paid to impressions and reasoning, rather than facts.

The essay has other features that distinguish it from creative works:

• laconicism;
• subjectivity;
• free associative composition;
• emotionality;
• simple, understandable form of presentation;
• the relevance of the problem under discussion;
• imagery;
• thesis.

The use of this genre in the educational process will allow to motivate students to:

• the ability to argue their judgments and bring their point of view with the help of actual examples;
• associative and critical thinking skills;
• the ability to logically and consistently present their reasoning. 

An essay as a type of assessment work on language and literature allows you to show the depth and consistency of thinking, creativity, richness of vocabulary, stylistic, spelling and punctuation literacy. Your thoughts must be presented in the form of theses, which must be argued.

There are several types of essays depending on the subject matter covered:

• fiction;
• literary critical;
• historical;
• journalistic;
• philosophical;
• analytical.

Although the composition of an essay provides for a free form, there are certain components, without which it turns into a set of sentences. Namely:

• comprehension of a given topic;
• highlighting within the proposed topic a key problem to be discussed;
• formulation of the author’s ideas in the form of a thesis/theses;
• the presence of arguments that are the basis for reflection;
• author’s assessment of the topic and the highlighted problem.

Also, the work must contain the integral elements of the structure: the introduction, the body part and the conclusions. The main conditions for a high quality essay are originality, a non-standard approach to presenting thoughts, vivid examples and non-trivial arguments.

Tips on how to write an argumentative essay

Before you start writing, try several techniques for finding unique ideas: brainstorming, mind mapping, free writing without an internal censor, associative series, and thought flow. If necessary, do more detailed research on the topic. Use a variety of sources to find interesting examples and facts. Make a rough outline of your essay.

Features of the composition and content of an argumentative essay:

• it is better to start the introduction with a quote, a question, a shocking or impressive fact, statistics, metaphor, comparison, a hard fact, a story from your own life;
• further in the introductory part it is worth placing your thesis on the problem, preferably with three arguments;
• each of the three arguments should be placed in a separate paragraph;
• justify the thesis using vivid and interesting examples;
• use linking words to make the transition between different ideas and paragraphs;
• alternate long sentences with short ones;
• in the paragraph on the conclusion, once again confirm the thesis and offer your solution to the problem;
• the conclusion and introduction should focus on the problem.

When thinking about how to write an essay correctly, it is worth considering the most common mistakes in order to avoid them. Here is a list of typical mistakes that can significantly lower the grade:

• more than 300 words;
• deviation from the topic and problem;
• an indication of several problems;
• fuzzy or identical arguments;
• lack of logical consistency between the statement and the arguments;
• inconsistency of parts of the work with each other;
• lack of convincing examples;
• common phrases and clichés;
• uninteresting, boring presentation;
• mixing several styles;
• spelling, punctuation, lexical errors.

If it is still difficult to figure it out yourself, find an experienced professional essay writer at smartessayrewriter.com and enjoy the results in the form of a truly smart essay.

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Banks, finance firms, and other financial agencies verify the documents before onboarding anyone. To skip the ordeal of collecting and storing the documents, these financial institutions allow CKYC verification of customers. CKYC means Central KYC (Know Your Customer). It is a central depository of documents of customers who avail of financial services.

As per the CKYC process, you can provide a 14-digit unique CKYC number instead of documents during the registration process. It has made the whole process quick. As someone interested in investing in fixed deposits, you can benefit from the convenience offered by the CKYC process. CKYC holds more value if the instruments offer an online investment process.

For example, Bajaj Finance FD gives the option of online investment via an online FD form. Along with that, it also provides the CKYC facility for document verification. The online investment process allows you to grow your capital by a 0.10% extra interest rate. Some other aspects of this FD scheme are described below:

Highest FD interest rates

If you research or carry out an online FD rates comparison, you will notice that Bajaj Finance FD offers the highest interest rates in the market. With an FD interest rate of 6.75%, you can gain enough interest at maturity. The higher FD rates make it an instrument that generates a higher interest income than bank and postal FDs.

For instance, on investing Rs. 30,00,000 in bank FD for 3 years, your deposits will accumulate interest at a rate of 5%. For similar investments, the postal FD offers 5.5%. However, Bajaj Finance FD offers a high FD rate of up to 6.75% for a 3-year FD. The comparison of returns can be seen below:

Along with high returns, you can also customize your FD by choosing a flexible tenor and FD type that suits your investment needs. The tenor options start from 12 months and range up to 60 months.

An FD calculator is provided on the website of Bajaj Finance FD for making the calculations easy for you. This calculator takes inputs like deposit amount and tenor provides calculations for both cumulative and non-cumulative FDs. It helps you to make smarter decision by accessing your interest income and returns post maturity.

Opening several FDs at once

If you are interested in laddering FDs, you should split your accumulated savings into multiple chunks. After that, you can deposit each chunk in a separate fixed deposit and choose a tenor that suits your financial goals. The multi-deposit feature that comes with Bajaj Finance FD makes this easier by allowing you to open all the FD accounts at once. Also, the payment for all the deposits can be done via one cheque.

Systematic Deposit Plan

If investing a bulk amount in one go does not suit your investment preferences, you can invest smaller deposits every month. The Systematic Deposit Plan from Bajaj Finance allows you to deposit amounts starting with Rs. 5,000 each month.

You can withdraw all these deposits on a single day or allow them to mature successively. SDP comes with two variants including Single Maturity Scheme and Monthly Maturity Scheme for accommodating your investment preferences. By allowing your deposits to grow at the rate of FDs, SDP helps you to earn a considerable interest in a short time.

Must Read: How does CKYC Help in the Process of Fixed Deposit Account?

The post How does CKYC Help Fixed Deposit Investors in India? appeared first on Today News Spot.

Holidays are meant to be relaxing. They are our chance to get away from the stresses of work and home life, to refresh, to let our hair down and to enjoy ourselves. Whether you are going on an adventurous holiday with plenty of fun activities and plans, or you plan to chill out as much as possible, whether you are travelling to a distant country, or escaping to a hotel close to home, the last thing that you want is to spend even a minute of your trip stressed out, worried, or unable to unwind.

Unfortunately, planning a holiday can be stressful, and few of us enjoy travelling. Most of us arrive at our destination harried, stressed out and in desperate need of a break. You might spend the first few days of your break getting over this before you can start to enjoy yourself. If you don’t want to waste your time like this, you need these seven great tips to help ensure your next holiday starts with zero stress.

Plan Your Work Schedule Effectively

No one wants to leave for a trip knowing that they’ve got a huge to-do list waiting when they get back. This means that most of us spend the week before we leave trying to do as much as possible. Try to plan your schedule more effectively. Give people plenty of notice of your break, and try to spread work out, so that you are doing a little more than usual over several weeks, instead of burning out in the final few days before your holiday.

Prepare a Packing List

A packing list might seem a little OTT. You may have even laughed at friends that start packing too far in advance. But these people are less likely to arrive on their holiday stressed out and exhausted. Become a more organised packer and you are less likely to face last minute panic.

Book a Cab

The trip to the airport is always tough, especially when you are travelling with luggage, kids or in a large group. Book a taxi from a Twickenham taxi firm in advance and you’ll have one less thing to worry about.

Upgrade if You Can

Upgrading is an expense that isn’t possible for everyone. But if you can upgrade your flights, train seats or anything else, you’ll have a more peaceful trip with less stress and more luxury and a chance to start relaxing before you even arrive.

Keep Your First Day Clear

Travel is tiring, even if you are only going a relatively short distance. Instead of jumping right into your trip, keep a day, or at least half a day free to catch up on sleep, look around at your own pace and find your feet.

Set a Budget

Money worries unfortunately follow us wherever we go. Setting a daily budget for your break can give you one less thing to worry about.

Book Activities in Advance

Booking some activities in advance will help you to manage your time and it’ll mean that you don’t need to worry about missing out. It will also make managing your budget much easier. Just make sure you leave room for some spontaneity.

If you want to start your holiday with zero stress, you need to get organised. Advanced planning is often the key to a stress-free, relaxing break.

The post 7 Ways to Ensure Your Next Holiday Starts with Zero Stress appeared first on Today News Spot.

A housing loan in India is one of the most appropriate options when it comes to arranging funds for buying a new house. Typically, it is easier to avail of a housing loan if the borrower has maintained a good credit score and has all the documents in place. However, sometimes, even when a borrower is mindful of these things, their chosen lender may still reject their housing loan application based on other factors. Some of the common reasons for rejection include but are not limited to the following:

• Poor credit score
• Dissatisfactory credit history, which could include a past loan settlement on the credit report
• The lender does not approve of the builder, property, or property specifications.
• The property is in a restricted area,

Your lender may have rejected your home loan application for more than one reason. The good news is by following these simple steps, you can improve your chances of getting the much-desired housing loan even after it was rejected the first time.

Do Not Hesitate to Ask the Lender

This is the best way to begin working towards what possibly went wrong: start by asking your lender why they rejected your application. Try to find the specific reason. Did you fail to meet the home loan eligibility criteria? If yes, on what grounds? Knowing answers to these questions will help you rectify your mistakes before reapplying for a housing loan. It will also help you increase your chances of home loan approval the second time.

Apply for A New Home Loan Credit That Is Within Your Limit

Borrowers must try and not give the impression that they need credit urgently as this gives banks the power to negotiate for their benefits. Further, apply for home loan only when you need a loan. More importantly, apply for a loan when you are sure that you will be able to repay the loan you have borrowed. Keep in mind that a high debt affects one’s credit scores and therefore, borrow smartly.

Monitor the Co-Signed, Guaranteed, and Joint Accounts Every Month

In the case of co-signed, jointly held, or guaranteed accounts, you are also equally liable for any missed payment. Thus, your co-applicant or joint holder’s negligence will also affect your ability to get desired housing loan credit when you need it the most. Therefore, some financial experts recommend avoiding being a guarantor or co-account holder of loans altogether.

Explore Possibilities with Your Housing Loan Provider

If you have lower financial eligibility than what is required, you can try meeting the housing loan provider to explore the following:

a. Spreading the loan over a longer tenor to reduce home loan interest rate as well as your home loan EMIs

b. Adding a co-applicant to increase the income considered by your lender

c. If you have an ongoing loan, which is of shorter duration and higher interest, then, try closing the loan. This will help enhance your home loan eligibility.

Try Requesting for Property Approval

You can try requesting your preferred housing loan lender to approve the property. If that seems unlikely to work out, you can try looking for an alternate property that stands a higher chance of getting easy approval, or changing your lender and trying for approval with another lender.

Tips to Avail of A Housing Loan Easily

• Maintain a healthy credit score to enhance eligibility.
• Reduce as many obligations as you can. This will help you have sufficient money to repay your home loan and prove creditworthiness.
• Identify a property pre-approved by your chosen housing loan lender and use it as collateral.
• Check your credit report from time to time to clear negative information, if any exists.
• Avoid making multiple home loan enquiries.
• Maintain a healthy banking record.

The Final Word

A lender issues a generic letter of rejection and does not mention the reasons behind rejection. So, request your lender to share with you their reason for rejection, and once your lender shares their reasons with you, dig deeper into details and do everything you can to rectify the mistakes you made. Whatever you do, do not give up hope. There are several lenders out there in the market and one of them will certainly agree to help you live your dream of owning a house.

The post Steps to Follow If Your Housing Loan Application Gets Rejected appeared first on Today News Spot.

As 2021 comes to a close, it’s only natural to start thinking about the upcoming year and your goals and plans. It’s great to set resolutions and give yourself something to work towards. So, why not let 2022 be the year you embrace a more environmentally-friendly lifestyle and do what you can to help protect the planet’s natural resources? We’ve got some simple tips you can use throughout 2022 so that you can succeed in your resolution.

Use Green Cleaning Products and Toiletries

If you’re not ready to make big sweeping changes in your life then this tip can be the perfect place to start. Transitioning to green cleaning products and toiletries/personal and skincare items will have a positive impact and yet it won’t feel like a sacrifice to your lifestyle. These products are healthier for you since they aren’t filled with chemicals and preservatives. Without these ingredients, you won’t be putting harmful ingredients into the environment, so you can feel good about your choice.

Most products are quite good at stating they are ‘clean’ or free of chemicals, but it will also be helpful for you to start reading labels and get into the habit of looking at products a little closer.

Some of the items that can be swapped out for green options include:

• Toilet tissue
• Shampoo and conditioner
• Body and face soap/cleanser
• Cleaning products for the kitchen and bathroom

Invest in an Electric Bike – an Eco-Conscious Decision

Owning a car gives people a certain degree of freedom, allowing them to head out on the open road whenever they like. It also makes getting around much easier, faster and more convenient – especially if you find yourself commuting for work. But for those who are looking to lead a more environmentally-friendly lifestyle, it may be time to part ways with your car that uses petrol – and therefore is a strain on resources.

Electric bikes have burst onto the scene with a huge amount of popularity and interest. Not only are they environmentally friendly, but they are more affordable to purchase and operate than a traditional car. They are also fun to drive, create very little sound pollution and offer some rather impressive extra features nowadays.

Be Mindful of Your Electricity Usage

Then there is your electricity usage at home and even at work that you can be mindful of. It’s amazing how much you can save once you start to make an effort. And again, it’s not about big sweeping changes necessarily, since small tweaks will also have an impact. Some of the ways you can save on electricity include:

• Tuning off appliances and electronics when not in use, rather than sleep mode
• Only purchasing energy-efficient appliances and electronics
• Switching to LED lightbulbs
• Using window coverings and natural light to maintain a comfortable indoor temperature
• Installing a smart thermostat in the home for more control
• Upgrading your boiler to an energy-efficient model
• Using less water
• Washing clothes in cold water

Using all of these tips will help you to live a more environmentally-friendly lifestyle in 2022, and one that you can feel excited about.

The post How to Live a More Environmentally-Friendly Lifestyle in 2022 appeared first on Today News Spot.

Here, we are discussing the benefits of csgo prime accounts and how to attain csgo accounts with medals. Csgo has never disappointed its fans ever since its launch; now that the new update has surfaced after Operation Breakdown, it was quite a stir! To start your matchmaking journey quicker than most, one must require countless fellow csgo players so that they can have the game started anytime they want. This way you get to have perfect balance in terms of teammates & opponents.  

What are CSGO Prime Accounts?

When Valve initially launched CSGO prime accounts it was more inclined towards an experimental basis; to see if a player could stick better with the same ranked player. CSGO prime accounts were developed in April, *016. Prime is a status that can be achieved once you have reached level *1 or you can buy one from a smurf store. Furthermore, once you procure a prime account you get exclusive perks, as well.

Those who have the prime status get matched with other prime players during matchmaking. They have access to limited items such as drops, weapon cases, and all community-operated servers. When the prime feature was added into CSGO the first-ever souvenir item to be added was an MP5-SD. 

Why Do You Need CSGO Prime Accounts?

A Prime account is needed for separating gamers into two categories:

• Those who got a prime account signifies to be more legit and skilled.
• Those who use a non-prime account are considered either a noob or a hacker.
• The main reason to have a prime account is to dodge instances like meeting hackers or cheaters; the most commonly practiced cheats would be wallhacking and aimbotting. These things happen in the lower division of CSGO and a prime account forbids them from happening. However, it isn’t 100% that you won’t ever meet a hacker; the probability to encounter a hacker is low but never zero. 

When you get a prime status you must link your phone number with your Steam account. It is crucial to do so; else you will be matched against non-prime users. Furthermore, if a player is found to be using cheats by the VAC server, he shall be banned for a specific time; if the no. of blocking in his number increases the blocking timing increases, as well. Similarly, when one has numerous accounts connected to one number can result in getting banned by the VAC server.  

CSGO Accounts with medals

Attaining a medal in CSGO is as hard as getting Prime status. To get a csgo account with medals, one needs to donate for a year continuously; breaking the donation cycle would mean you must start from the beginning. It looks easy but it isn’t for many. Many stop donating for several reasons; if you could, then purchase csgo accounts with medals. Purchasing csgo accounts with medals is easier than going over this strenuous task. 

However, one has to be a level 40 player to be eligible first. And not just a level 40 player, but also be a skilled player. A medal in csgo showcases your achievement; if what you’re after is aesthetic, then we’d suggest not opting for it! You can get plenty of other options to enhance your aesthetics, however, csgo accounts with medals can only do justice if you are a pro in what you do. 

Does a Steam authenticator require you to elevate your account to prime?

Definitely not! Although a mobile authenticator ensures you safe access to your account.

What if mistakenly, I have upgraded an incorrect account to Prime?  

There’s no need to panic, you can reselect the prime status and put it into the correct account within 3 days-time. However, the accounts must be linked to the same phone number. In case you have to reassign another status, you have to wait for 6 months.

What happens when I don’t upgrade my account to Prime?

Chances are you’d be matching against non-prime account users, who can be a hacker. Most of the time non-prime users turn out to be cheats; this can be bothersome for many. You will also be fighting against other prime users, but chances are 50-50.

The post A brief guide to CSGO Prime accounts appeared first on Today News Spot.

Managing finances is one of the biggest responsibilities that comes with being an adult. Along with keeping track of present expenditure, considering both small and big purchases, one also has to deliberately plan for the future. With today’s rising costs and economic factors like inflation, it is essential to have a well thought out savings plan that can help ensure you will have a financially secure future. One of the best steps you can take to do your part in securing not only yours but also your dependents’ financial future is investing in a good endowment policy.

An endowment policy is a type of life insurance, a contract that states the insured person will pay regular premiums to their insurance company. The company, in turn, will pay out a sum assured to the insured person’s beneficiary. This sum will also be paid out in case the insured person survives the policy term. It is crucial that every young adult invests in an endowment policy due to its various benefits. Here are some of them:

• Safe: One of the biggest benefits of an endowment policy is that it is entirely free of any risks. While it is true that endowment plans have lower returns, they have no market risk whatsoever, so you can rest assured all your benefits will be safe, no matter what. All you have to do is make sure all your premiums all paid on time.
• Maturity Benefit: Many tend to shy away from life insurance plans due to the absence of a maturity benefit. That is not an issue with an endowment policy, as the sum assured will be paid out to the beneficiary even in case the insured person survives past the policy tenure. This money can be used to pay off debts, mortgages and more.
• Flexibility: If payment of premiums is an issue for you when you think of buying insurance, an endowment policy will solve it for you. Premium payments in this policy are extremely flexible and can be paid monthly, half-yearly or yearly as per your convenience.
• Tax Benefit: You can save up on tax with the tax benefits offered by an endowment policy. The premiums you pay can help reduce your taxable income under Section 80C of the Income Tax Act, making it an asset when it comes to saving on taxes.
• Dual Benefits: Endowment plans are well equipped with both investment and life insurance opportunities for any individual. You can use this plan as a means to long term investment along with life insurance to ensure your loved ones will be taken care of in case you pass away during the policy tenure.

Along with these, an endowment policy also has life insurance benefits, bonuses, loan benefits and more that make them an ideal choice. Take a look at the ICICI Prudential Life endowment policy from one of the biggest insurance companies in India and invest in a plan to secure your family’s financial future!

The post What is the Endowment Policy and What are its Benefits? appeared first on Today News Spot.

Cotton is a natural fibre that every generation has considered the best. Cotton fabric converts like cotton dresses for women, men’s t-shirt, sarees, and anything perfect, dress whatever it may be. A small piece of cotton can change into the perfect ensemble. Human beings have enjoyed wearing cotton or using cotton cloth for 5000BC years. We can wear cotton fabric at any time or on any occasion.  Cotton dresses for women are used at almost every event, festival, party, etc.

Cotton dresses for women have different varieties for different functions like corporate events, Traditional functions, Family outings, daily office looks, Lunch at a friend house.

Why has Cotton Become the Most popular fabric:

Almost the world uses cotton; compared to other natural fibres, cotton clothes attract everyone’s heart.

According to the National Cotton Council of America, cotton is a natural product, due to which cotton cloth gives a lot of benefits; it absorbs our sweat and provides comfort. Do you know what 50% of the fabric produced in the world is? It is cotton.

• Formation of cotton fabric

The cotton plant is a natural flower from which we take cotton. First, the cotton is put into the machine, the machine separates the seed, and the one that delivers the product in the last creates a strong cloth.

• Versatile nature of the cotton fabric

Cotton is a soft fabric that provides an excellent shed printing surface. Because of this, we can do any decoration in any cotton cloth comfortably.

Cotton is a dense fabric. That’s why it absorbs ink quickly, and the same quality is not found in other fabrics like polyester. Therefore, whatever is printed in cotton or whatever is the design, looks sharp.

• Advantage of cotton fabric 

It is difficult to tell all the benefits of cotton; it m ns so many benefits, it is not possible to explain everything points.

Cotton is the best for summer, which means happiness is mercy; if we are wearing cotton, then our skin has the power to breathe comfortably; it makes us feel relaxed even in summer. Cotton material is the best for workout wear as it keeps us sweating.

Cotton is an excellent material for workout clothes as cotton absorbs sweat. Cotton is a thing made of nature; that’s why it doesn’t have to worry much.

• Maintenance 

If there is a stain on the cotton cloth, then you can easily remove it with any remover; if it is more complex, then some essential removers in it can remove the stain easily. Otherwise, it is straightforward. You have to keep it in sunlight to dry.

To get good cotton, we must identify cotton. If we are taking any similar cotton dress handbag anything, you have to check whether it is 100% cotton or not. The cotton fabric also prevents the smell of sweat.

Cotton fabric can be stretched easily; it is a very soft fabric; you can make any cotton dresses for women like a frock, suit, kurta, shirt, bra, underwear, unique for baby clothing.

Conclusion:

Cotton fabric is the best fabric for kurta. Cotton has many benefits.  Cotton dresses for women created so many varieties for women.

They looked different and new or stylish in every function. Cotton dresses for women are costly at the festival time, but if you try in Kurtis wholesale market, you get the best material, Kurtis.

The post Why Cotton is the Best Choice for Clothing appeared first on Today News Spot.

Today, laptops have become similar to notebooks. You must have observed every student, professional or expert owning a laptop. These portable devices have become an essential part of our daily lives. One cannot even imagine a life without them. For instance, you will be in deep trouble if your laptop is damaged and sent for repair. Furthermore, it takes a lot of time to get repaired. In that case, imagine the kind of trouble you will have to face to recover the data. Sometimes, things get worse and you cannot retrieve your data. If things go beyond your control, then you will have to purchase a new laptop altogether. Laptops are costly, and their extra costs of repair can further add to the distress. Any damage to the laptop can lead to heavy economic losses in its repair. To avoid these kinds of problems, consider getting laptop insurance plans by Bajaj Finserv, an insurance aggregator under its Pocket Insurance Plan & Subscriptions. Other than laptop insurance plans, it also offers the best mobile insurance.

Laptop Insurance Plan

The coverage will largely depend on one of the best laptop insurance plans you have. However, the forms of coverage usually involve the following:

• Repair or replacement of screen: The laptop’s screen is one of the most usually damaged parts on a laptop. It is easily vulnerable to damage as it is thin. If you drop the laptop, then the screen can be damaged or the entire display. The screen is usually sent for a replacement since it is not repaired easily. Moreover, the cost ranges from 10-15 per cent of the selling price of a laptop. The role of laptop insurance comes in to protect you in this situation and cover the screen repair or replacement costs. 
• Liquid Leakage: Considering the laptop’s portability, it can be used anywhere with greater ease, i.e., on your dining table, in a restaurant, or while watching a movie. Since you are carrying it anywhere, hence there are more probabilities of getting damaged. All-inclusive laptop insurance plans will offer you coverage against repair and replacement.
• Mechanical or Other Similar Damage: Most insurance plans mention the brands covered in the insurance plan. Besides, this ensures that you are not purchasing a laptop that suffers mechanical or electrical faults. But, if it faces any such errors, you can get it replaced or repaired and claim with your insurance service provider. 

On the other hand, a charger is one of the most vital accessories to keep the device up and running. To avoid any disruption or damage to the charger, consider taking the proper protection cover for it. Laptop Charger Insurance from Bajaj Finserv under its Pocket Insurance Plan offers coverage against any financial crunch that occurred due to theft, accidental damage, or breakdown of laptop charger.

• Theft or Fraud: Suppose you are a professional and working on a critical project proposal that needs to be submitted to invite a bid. You are one day away from delivering the proposal. But unfortunately, your laptop is stolen. Although you can restart the work and finish it in the next two to three days, can you manage to pay for a new laptop straightaway? If you have one of the best laptop insurance plans that incorporated burglary, you could have purchased a new laptop by utilizing your savings or through an EMI option and filed an insurance claim with the service provider.

A distinctive feature of laptop insurance is the extended warranty insurance. The manufacturer or seller of the laptop will provide you an extra warranty over the market standard using this insurance.

The post How To Ensure Your Laptop With The Best Features And Benefits? appeared first on Today News Spot.

The issue of hair and its subsequent removal from our bodies has long remained a controversial topic of discussion. Some hair we remove and some we choose to keep, but let’s face it, hair can become annoying in the wrong places or if it grows too thick.

With so many options out there on the market, it can be tough to decide which will be the easiest and less painful hair removal treatment. You may even need a more complex routine if your skin is sensitive. Here are three of the best hair removal treatments that work and how you can start doing them today.

Sugar Concoction

Mostly just called sugaring, this treatment is natural and easy to apply. It works by mixing some sugar with lemon juice and water and applying it to the area you want to work on. This treatment has been around since the Egyptian days because it was easy to get a hold of the ingredients. It’s similar to waxing in that you can use it on any part of your body. 

Sugaring is suitable for all types of skin and the combination of lemon juice and water does miracles to remove unwanted hair. It also reduces the growth of hair so you won’t need to do this treatment very often, maybe every five or six weeks.

Threading

Threading is another hair removal treatment that doesn’t require any tools other than your hands and some cotton string. It’s a semi-permanent solution that pulls your hair out at the roots so that it takes longer to grow back. The most common area on your body to use threading is the face, although it can be performed on any section.

The treatment process is relatively pain-free as the threading helps to smoothly pull the hairs out rather than tugging at them. If you are interested in threading check out utopiabeautique.com where you can book an appointment online.

Depilatory Treatments

Using the chemicals sodium hydroxide and thioglycolate, depilatory comes in creams that you spread on your arms or legs. It effectively melts the hair away, allowing you to wipe it off with some tissue. The chemicals work to dissolve the bonds that hold your hair and follicles together. 

This treatment only takes a maximum of 15 minutes for the hair to fall off, and it can be used on the toughest and thickest hair in hard-to-reach places. The effects only last for about a week but it’s such a simple process that you can easily find a few minutes each week to apply the cream before you hop in the shower.

Unwanted hair is easy to remove with all the options available, but finding one that is effective for you can take some time. Start with more natural treatment solutions to find one that works for you and avoid procedures that hurt and irritate your skin. These three treatments are the cheapest and easiest around, and they are longer-lasting than other hair removal solutions.

The post Top 3 Best Hair Removal Treatments and How They Work appeared first on Today News Spot.

You pride yourself on your appearance, and you want to make sure that you look and feel as good as possible. Your smile makes up a large part of your appearance, and if your smile is affected by anything such as tooth loss, it can really dent how you feel. You may lose a tooth through an accident, or you may lose a tooth through poor dental hygiene. 

Retrieving Your Tooth and Preservation

If at all possible, you must try to get hold of the tooth you have lost and preserve it until you get an appointment with your dentist. Your dentist ideally needs to take a look at your tooth so that they can best advise what you need to do next. When it comes to preserving your tooth, you need to ask your dentist how you can do this because trying to preserve a tooth in just water alone is no good and certainly not sufficient.

Speaking to Your Dentist

Your dentist will be able to tell you what needs to happen, when, and why. After tooth loss, a dentist will need to check over your teeth and ensure that your other teeth are in a strong and healthy condition. Having a checkup after tooth loss is important; in fact, you cannot look at fixing tooth loss without a consultation. Your dentist will be able to tell you what options you have available but remember that they may not be able to help you rectify the problem, especially if they do not offer a dental implants service. So, keep in mind that you may have to visit a specialist dentist that does offer dental implants in order to get your smile looking picture perfect once again.

Having Dental Implants

Whether you have lost one tooth or more, tooth loss will affect your smile, and, ultimately, this will affect your confidence levels. Getting your smile back to looking fantastic is now your priority. If your adult tooth cannot be put back in your mouth, you should now have to strongly consider having dental implants because who wants to live with gaps in their mouth and in their smile? Dental implants can give you back that lovely smile you had and can raise your confidence levels in the process. 

When you decide to have dental implants, it is important to talk through the process with your dentist or with another expert or professional that specializes in dental implants. Understanding what happens and then understanding what happens at each stage of a dental implant is important because it provides you with clarity and reassurance.

Whatever the cause for your tooth loss, what you do after the loss is just as important as anything else. Time is of the essence when you lose a tooth to prevent infection, and potential gum disease, so whatever course of action you take or decide to go on, ensure that you do so in a timely manner.

The post Steps to Take after You Lose a Tooth as an Adult appeared first on Today News Spot.

Indira Gandhi Awas Yojana, or IAY, was renamed the Pradhan Mantri Awas Yojana Gramin in 2015. Since then, this scheme has achieved 92% of its target in the first phase, which ended in 2019. Moving forward to FY2020-21, the government allocated a total of Rs.39,269 crore for this scheme.

PMAY-G was introduced in 2015 to provide financial assistance to the rural poor of this country to build pucca houses. Every Indian in the gramin areas is eligible for this scheme, considering that they meet the set eligibility parameters successfully.

Nonetheless, before applying for this affordable housing program, applicants should gather in-depth knowledge about the same to undertake informed decisions.

Features of Indira Awas Yojana

Here are the notable features of Indira Gandhi Awas Yojana –

• Carpet area

Individuals applying for this program will get housing units with a nominal area of 25 square meters. A dedicated kitchen and toilet will also be a part of it.

• Financial assistance per unit

Every housing unit covered under this IAY will be eligible for financial assistance of up to Rs.1.2 lakh in plain areas and Rs.1.3 lakh in selected hill and mountain regions.

• Connected with other government-backed welfare schemes

IAY or PMAY-G is also connected to various other government-backed welfare schemes like Ujjwala Yojana, Swachh Bharat Abhiyan, Saubhagya Yojana, etc. These schemes extend fundamental amenities for the development of these housing units. Additionally, applicants will also get 90/375-days of work and wages under the MGNREGA.

• Housing loan facilities

Individuals with their name on the PMAY Gramin list can avail a home loan of up to Rs.70,000 from any financial institution operating in India.

• Construction and designing of houses

House built under this scheme will use local materials and carry designs fitting to various geo-climatic and socio-cultural conditions. Also, one should also be aware of the hidden costs of buying a home to make a better decision regarding its construction.

To avail the benefits of this scheme, individuals should learn about the application process first.

Steps to apply for Indira Awas Yojana or PMAYG

Here is a step-by-step guide for the application of Indira Gandhi Awas Yojana –

Step 1: Visit the official PMAYG website.

Step 2: Enter Aadhaar number and click on ‘search’.

Step 3: After viewing the details, click on ‘Select to Register’.

Step 4: Provide necessary details and upload a form of consent.

Step 5: Provide details of the savings account.

Step 6: While availing credits, click on ‘yes’ in the next section and select the desired principal.

Step 7: Provide SBMG and MGNREGA number to complete this registration process.

Along with the application process, one should also be aware of the methods of checking the IAY Gramin list to note if their application is approved or not.

Steps to check IAY list

Authorities publish a list of beneficiaries each year, with relevant information for PMAYG for the previous year. One can check this list by following the below-mentioned steps –

1. Visit the official website of PMAY.
2. Find the ‘search beneficiary’ option and click on it.
3. Select the ‘search by name’ option from the drop-down menu.
4. Enter your name and find it from the final list of beneficiaries.

Individuals can also access this beneficiary list by typing the first 3 characters of their name. After locating their name on this list of beneficiaries, individuals can start applying for their home loans.

Those failing to qualify for the benefits under IAY can alternatively seek a housing loan from any leading financial institution in India.

With these NBFCs, individuals can also skip the hassle of complicated applications through pre-approved offers. These offers are available on various financial products, including home loans, loans against property, etc. Debtors can check their pre-approved offer online by providing their contact details.

Moving ahead, prospective applicants of IAY should also be wary about its eligibility norms to avoid chances of rejection.

Eligibility criteria for PMAYG

Following are the eligibility criteria of PMAYG –

• Applicants or their immediate family members must not own a pucca house anywhere in India.
• Families living in a house with kuchha walls and a roof with not more than two rooms.
• Families must not have a literate adult over 25 years of age.
• Also, families without a male or adult member of the age group of 16 to 59 years.
• Households with a disabled member.
• Families that have no land and earn from casual labour.
• SC/ST and minorities will get preference depending on their deprivation under PMAYG.

Additionally, to ensure that deserving families receive the key benefits of the PMAY, the selection for this program is based on SECC data. Gram Sabha then verifies the initial list.

The introduction and rebadging of IAY have provided the rural poor of India a chance to have a safe and properly constructed house with adequate sanitation facilities. It will improve their living conditions and contribute to their social development. Simultaneously, one can also learn about how urban residents can qualify for PMAY to check if they qualify for that particular section of the scheme.

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Sitting for NCERT exams is a tough nut to crack. Most students have to sit with their eyes wide open from night today because of the extra academic pressure. Apart from that, it can also be one potential challenge to solve atoms class 12 NCERT solutions when you are all caught up with studies. That is why you might find it challenging to cover the essential topics from NCERT texts faster. If you are also facing this issue, do not worry. In this article, we will cover some exciting ways to overcome this issue once and for all. So, make sure you stick with us until the end for the best experience. 

Create A Timetable 

There are several NCERT books to study before the big day. So, you might behave to indulge yourself in a lot of hard labor beforehand. But for this, merely learning is not going to be enough. It would help if you had intelligent strategies created to enable the smooth sailing of this process. Creating a well-structured timetable is one of them. With a well-formatted timeframe, you can be only one step away from mastering the atoms class 12 NCERT solutions on time. That is why it is crucial to focus on this step by following your instincts. Make sure that you create a realistic timetable that will be easy for you to follow. 

Create A To-do List 

Creating a timetable and a to-do list are two separate activities. So, do not mingle with both of them and confuse them as one. When you prepare a to-do list, you jot down the topics and subjects you will study more comprehensively. Make sure you do this very thoughtfully because you need to follow it at the end of the day. So, if you want to score the best grades in your atoms class 12 NCERT solutions or you want to understand it faster, these solutions will come to your rescue like never before. 

Keep Your Distractions Away 

When you want to complete anything faster, driving incessant focus into it becomes essential. But how is it possible to draw in direction when you can’t pull yourself out of distractions? These could come in the form of phones, games and so much more. That is why we recommend you abstain from them as far as possible. This way, you will spend less time wasting your precious studying time and focus on your atoms class 12 NCERT solutions to complete them faster. 

Seek Visual Help

There are many parts of atoms class 12 NCERT solutions where you might need visual help from the internet. This means that studying via videos and photos can be the best practice. This not only enhances engagement and excitement but also retains your passion for the subject. So, why not? 

The Bottom Line

If you want to learn your NCERT texts faster, these pointers are sure to come to your rescue for all the right reasons. So, go get going with them while you still have the time. Good luck!

The post How Can You Cover Important Topics From NCERT Texts Faster? appeared first on Today News Spot.

When you spend so much time at work, you need to form bonds with your colleagues to help things run smoothly and make your days more pleasant. If you’re lucky, this bond will turn into a strong friendship outside of the office, and you’ll be there for one another in a more personal capacity. If you have worked alongside a colleague for years, it can be hard to hear that they are moving on, and although you are happy for their success and excited for them, you might feel sad that they are leaving, too. Nonetheless, it’s important to ensure that they have a great send-off and realize just how much everyone in the office appreciated them. So, if you have a work friend who is moving on, here is what you should do to say farewell the right way.

Arrange for People to go for Dinner or Afterwork Drinks

If they have been with the company for a long time, a quick goodbye feels quite dismissive and cold. If you want to show them how much they were valued at the company, get your team together and try to arrange to go out for dinner as a small leaving party, or at the very least, all going for a few drinks together after work to say goodbye. 

Get Everyone to Sign a Card

You can easily buy an appropriate card from a gift store or order one online with a personal message. You should get everyone else on the team to sign the card as well, as this will allow them to leave a personal message that your colleague will enjoy reading. Try to do this before their last day, and try to avoid them seeing it get passed around as this can spoil the surprise and might make them feel a little awkward, too.

Get a Gift

A card is always a must, but you should think about getting them a gift as well, especially if they have worked with you all for years. Speak to the rest of your colleagues and see who is willing to chip in, and all agree on a budget that everyone is comfortable with so no one feels pressured to spend more than they can afford. With the money you have collected, you can get them a gift such as a gorgeous crystal photo like the ones from crystalimpressions.com, or you could give them vouchers for their favorite retailer, a spa day, or something that they might find useful for their new job could also be a thoughtful gift.

Make Their Last Day Fun

Although you will still need to get your work done for the day, if you want to give your colleague a good send-off, making sure their last day in the office is fun is key. Bring in some tasty treats that everyone can enjoy, or go all out and order a special cake for the occasion. You could even get people to play games during lunch break, and if you’re a team leader and everyone gets their work done on time, you could even let them finish early. 

If you want to say farewell to a colleague in the right way, make sure you’re doing all of the above so that they know they will be missed.

The post How to Say Farewell to a Colleague appeared first on Today News Spot.

As the owner or manager of an office, there is a lot on your plate, from sticking to a schedule to making a good impression at meetings. Something you might miss, though, is the general office environment. How can you expect the best work from your staff when the walls are dull grey, and the lighting is old? How will you impress clients with an out-of-date poster attached to a barely touched noticeboard? To understand the true importance of a great office environment, read on. 

It Impresses Visitors 

No visitor will be impressed by chipped paint, old carpet, and an office full of unhappy faces. What you want is for visitors to leave your office impressed with how bright, inviting, and positive the space is. To achieve this, start with the basics, like painting a new color and protecting your interior walls with wall corner guards. From there, you can get a little more adventurous with the décor. A bookshelf full of informative reads, plants dotted around the place, and absorbing art pieces are all great additions to any office. 

It Boosts the Office Mood 

The mood of the office directly affects productivity levels. In a monochrome office with little to look at, most people won’t feel enthusiastic about their work. With brighter colors and some unique furniture, however, staff will feel more comfortable in their work environment and will genuinely enjoy being at work. 

It Inspires More Focus 

Some décor can even improve focus. Certain colors, such as blue, orange, and green, will help people concentrate better, so consider incorporating these shades into the office décor. The overall structure of the office can also inspire more focus – a decluttered, airy, and spacious office space is much easier to work in than one that feels small and suffocating. 

It Appeals to Candidates 

As well as impressing clients and helping boost the mood of your current staff, you also want to appeal to candidates who are interested in working in your office. With the right environment, you will attract even more talent, which in turn will help you build a team of experienced and motivated employees. When people genuinely want to work for you, you’ll find far better resumes coming your way! 

It Helps People Get Along 

With a good environment and a positive atmosphere, employees will be more likely to talk to each other and collaborate better on projects. Even something as simple as a well-decorated meeting room will inspire staff to work together better. The better your staff gets along, the smoother work projects will turn out. 

It Makes You Proud of Where You Work 

Being proud of where you work is crucial, as it inspires hard work and genuine passion. To ensure staff genuinely feel pride when they walk through the door each morning, a positive work environment is a must. After all, no staff member is going to feel excited about working in an office that’s outdated and unattractive. 

As you can tell, a great office environment is imperative for a productive, positive, and impressive business.

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One of life’s highlights for many married couples is the day they got married. For couples and guests alike, weddings are often full of unforgettable moments that offer a chance to celebrate the newlyweds. Whether you’re planning your own wedding, or you have been tasked with coming up with the perfect plan for another couple, here are some tips for making it extra special and unique.

Highlight the Love Story

A wedding should be all about the couple and adding in some features related specifically to their love story and journey together is likely to go down exceptionally well with guests.

Explore features such as custom maps from craftoak.com to highlight the destination where the couple met, got engaged, or tied the knot. You might even choose to create a map or storyboard about where they were born and how they came to meet and get married.

Consult Others

If you’re planning the wedding for somebody else, talk to their friends and family members about things that should be included on the day. They are likely to have many ideas and suggestions related to the couple and their shared interests.

Include an Element of Surprise

You can either include something that is surprising for everybody or choose something that is only a surprise for the guests. This is a great way to make the day more memorable and keep everyone talking about the wedding for years to come. Surprises could include theatre or music acts, surprise gifts, special guests, or a trip to a mystery location. Even a surprise specifically for the bride can take the wedding to the next level.

Make Memories Together

Photo booths are popular party extras, and if you want to have one at your wedding you can take it further by inviting guests to create a scrapbook together. This is a fantastic way to ensure you have photos and memories from the wedding straight away, rather than waiting for professional photographs to come through. It’s also a great way for guests to feel even more involved in the wedding.

Do the Speeches Differently

Wedding speeches are a key part of the big day, with guests anticipating jokes about the groom and compliments for the bride. Consider having the speeches delivered in a slightly different way – such as presenting them in a funny video or inviting any guests to take the floor.

Include Fancy Dress

While some people dislike fancy dress, most people will be happy to get involved when it’s an occasion like a wedding. Having a themed party could involve the bride and groom surprising guests by wearing fancy dress, or if you’ve been given free rein to plan for the couple – ask the guests to arrive in fancy dress instead.

There are endless ways to make a wedding unique and memorable for everyone involved. If you are planning a wedding for somebody else, ensure you are clear on the parameters and boundaries, and take time to learn more about the couple.

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In the past two to three years, social media platforms have taken the world by storm. Businesses are leaning toward internet communities as the best option for digital marketing.

If you want to grow your business online, selecting the best social media marketing partner is the first step to join the bandwagon and promote your business in circles where your prospects are active. 

For an expert social media marketing partner,

Tips to Find the Best Social Media Marketing Partner for Your Organization

Social media platforms are a tempting source of marketing, and you may bite off more than you can chew. Choosing a social media marketing partner who can guide you in the process can be an overwhelming task.

Read on to find some valuable tips for finding the right online marketing partner for your business campaigns.

Analyze Your Goals and Business Objectives

Before you select a digital marketing partner, formulate the right set of goals in your mind. Having a measurable and realistic business objective is essential for any marketing campaign.

Common business targets may be increasing brand awareness, getting potential customers on board, increasing sales, enabling customer engagement, aiming for customer service, and maintaining a loyal customer base.

You can select the best social media agency. and share your business goals to get the maximum results.

Check for Reviews and Quality Service

According to a recent report, around 3.3 billion people worldwide actively use social media on mobile devices. Hence, it is essential to check the customer reviews and testimonials before tapping into this huge market.

Reputed online marketing companies provide multi-platform services for Facebook, Instagram, Twitter, LinkedIn, and YouTube promotions. These social media platforms can play a remarkable role in making or breaking your brand image in the competitive business world.

Creative ad agencies can design efficient campaigns to represent your brand positively on these platforms to attract online customers and generate leads.

Expert in Using Social Media Management Tools

Expert online marketing companies are well-versed with social media management tools and techniques. They hire specialists who use sophisticated marketing methods to launch your online campaigns effectively.

These marketing companies can help you optimize your site and social media account with attractive blogs and compelling content. They will link the social media posts to your web pages to bring more leads and conversions to your website. 

Have Great Communication Skills

Social media marketing is a two-way communication method. Communicating with subscribers and followers is an important task to maintain life-long healthy relationships.

An online marketing agency has well-trained employees who will interact with your online clients regularly. They will respond to their queries, messages, and comments. 

An expert digital marketing firm will conduct surveys and address the feedback to improvise the business process. They will also effectively handle negative reviews to maintain a positive brand image in the market.

Final Note

Social media is a powerful marketing tool to attract potential customers. Optimum utilization of social media platforms as a marketing campaign can help increase sales and take your business in the right direction of success.

The post A Guide to Choose the Right Social Media Marketing Partner for Your Campaigns appeared first on Today News Spot.

If you buy a car, you should know that every car owner must cover their vehicle under an appropriate insurance policy. In India, you have two options to become a car owner. One is to buy a brand new car, and second, you can buy a second-hand car. In the case of a second-hand vehicle, buy third-party car insurance. This car insurance policy covers any third-party liabilities arising from property damage or injury to the third party. However, comprehensive insurance provides the user a much broader coverage that protects your car’s damages sustained by accidents, natural disasters or theft, man-made calamities, and many more. One should have the freedom to buy and opt for car insurance renewal as per their suitability. But whatever the case may be, one should ensure that the car insurance consists of third-party Insurance coverage.

How can the model of the car affect the insurance premium?

The value of the car has a direct impact on the premium of the insurance policy. If you buy a higher value or exclusive model, you need to pay a higher cost on the insurance premium. There are reasons behind this disparity. If, in any case, your car gets damaged, the cost of replacing or repairing the various parts of the vehicle would be higher than the cars that are priced much lower. Due to that, the motor insurance would have to pay more money for repairing your vehicle. It is what makes the insurer charge higher premiums for expensive cars and lowers for any affordable vehicles.

For instance, if you own a hatchback car, you need to pay less premium on car insurance renewal and higher in the case of an SUV. Not to mention, third-party insurance offers less coverage than any comprehensive car insurance policy. Therefore apart from the car model, the type of insurance also affects the amount of insurance premium you are paying for your vehicle.

The expensive cars are more likely to get the attention of thieves and criminals. If, in any case, your vehicle is stolen, then the insurance needs to pay a higher amount to replace the car as expensive cars are known to be a liability for every motor insurer.

The model of the car also impacts the different types of car insurance policies that you can choose. Although according to motor law, every vehicle must have a third party insurance cover. However, some insurers may ask the car owner to go for a comprehensive car insurance policy on car insurance renewal. Therefore the car insurance premium also depends on the model and make of the car.

Conclusion

Everyone in India wants to buy an expensive high-end car. But these costly high-end cars suffer from higher car insurance. Not only that, if you’re going to go for a car insurance renewal, you need to pay an extra premium since the value of your car is excessive. Therefore before buying a car, one must undoubtedly compare various insurance plans to find the optimum insurance for your vehicle. Make sure that the insurance that you have chosen is affordable and comes with sufficient IDV.

The post Know How Car Models Affect Car Insurance Premium appeared first on Today News Spot.

Many people including scientists, consumers, regulators, investors, and business and government leaders believe that climate change is a result of human-caused environmental harm, and its price tag is becoming too high to ignore. Managing wastewater is a significant challenge and companies produce both hazardous and non-hazardous wastewater as a result of their manufacturing and production systems. How industries manage waste can affect the environment, and in turn their financial health. Today, there is a growing urgency around climate protection that is increasing pressure for environmental accountability in all business decisions. The liquid waste management market generates a large revenue globally owing to rising number of manufacturing activities that result in the generation of toxic chemicals.

What is Liquid Waste Management?

Liquid waste is defined as industrial or household liquid waste such as wastewater, fats, oil or grease, cleaning fluids or pesticides, or the by-products of manufacturing processes, that may be hazardous or potentially harmful to human health or the environment.

Types of industrial waste include – inorganic wastewater, organic wastewater, RCRA wastewater with heavy metals or organics, non-hazardous wastewater, oil and water mixtures, CERCLA hazardous wastewater, TSCA, and RCRA/TSCA and non-TSCA PCB wastewater.

Liquid waste management is a procedure to prevent discharge of pollutants to the drain system or water bodies as a result of creation, collection, and disposal of hazardous or non-hazardous liquid material. This treatment process efficiently deals with all types of liquid waste, resulting in salvageable metals and oils, and clean water that can be reused in other operations or returned to the water cycle. 

Sources of liquid waste include residential areas – that are domestic and over populated, commercial and industrial areas, and through natural disasters like flood, earthquake, tsunami, etc.

Liquid Waste Disposal and Treatment

Proper treatment and disposal of liquid waste is essential. Improper disposal of liquid waste can inflict immense damage on the surrounding environment and can disrupt the balance of aquatic ecosystem, destroy natural habitats, and cause biodiversity loss. They can contaminate the groundwater and surface water sources in which humans and animals rely for various purposes.

There are general regulatory requirements relating to waste, additional regulations apply to generating, storing, transporting, treating and disposing of hazardous and liquid wastes.

Wastewater pre-treatment is a critical step in getting water ready for a traditional wastewater treatment facility where it can be safely reintroduced back to the environment.

Depending on specific wastewater, pre-treatment solutions can help minimize demand on local publicly owned treatment plants (POTWs), recover oil for fuel blending, recover solids for compost or energy recovery, remove contaminants unsuitable for traditional wastewater treatment.

Wastewater treatment involves the following process:

• Removal of contaminants like oil, dissolved solids and metals, etc., by physical and chemical treatment (chemical oxidation and reduction, acid/base neutralization, chemical precipitation of metals, flocculation, carbon adsorption, stabilization through encapsulation, oil/water separation)
• Biological water treatment 
• Evaporation (where water is boiled off and remaining solids are sent for composting or energy generation)
• Destroying wide range of waste streams and contaminants with the help of Liquid Direct Injection technology (treatment at very high temperatures)
• Turning organic waste streams into renewable energy by anaerobic digester facilities

The sewage treatment involves four processes – collection and pumping, preliminary treatment, primary treatment,  and secondary treatment.

Some disposal methods involve – dewatering (pumping the liquid waste into a sturdy bag that removes the water, leaving only solid waste), sedimentation (similar to dewatering, it separates water from solid waste using gravity instead of centrifugal force to pull the two states of matter apart), composting (removing the water from the waste, leaving behind organic matter and turning them into organic fertilizer using natural microorganisms), root-zone treatment (a complex method that sends liquid waste through a sedimentation tank and then through various additional filtration processes), and solidification (involves adding binding agents to wastewater until the waste forms a compact, rigid, easily disposable solid).

No single disposal technique is most effective for every case. When choosing a liquid waste disposal method, it is important to consider certain aspects in mind. Some of the few considerations are – solid formation and stability, land space, waste quantity, necessary treatment, well and surface water sources, water table level, and relative costs of disposal technologies.

Conclusion

Wastewater treatment infrastructure has grown slowly over the past decades. Many of the treatment plants currently in operation are having a difficult time to keep up with the amount of liquid waste that is being generated, which results in over-spill into lakes and rivers. The global liquid waste management market is expanding significantly. To protect the environment and help industries run sustainably, it is important to manage liquid waste with expertise.

The post Why Liquid Waste Management Is More Important Than Ever appeared first on Today News Spot.

With refractive errors being one of the most common types of vision problems affecting a large chunk of the population, corrective surgeries have, correspondingly, become one of the most common types of eye surgeries. For the last 20 years, LASIK has been the most preferred method to treat Myopia (Nearsightedness), Hyperopia (Farsightedness) and even Astigmatism. However, with the recent advancements, a bladeless laser procedure called SMILE eye surgery has been developed that is quicker, has minimum to no side effects and more plus points.

Read on for all the information about SMILE in eyes and its numerous benefits in detail to know why it is now considered the best laser eye surgery.

What exactly is SMILE in Eyes?

ReLEx SMILE (Refractive Lenticule Extraction/ Small Incision Lenticule Extraction) is a procedure of reshaping the cornea in order to improve visual acuity and get rid of prescription glasses or contact lenses. The entire process is bladeless and is carried out by a highly focused laser beam of a VisuMax Femtosecond laser. The Food and Drug Administration approved the procedure in 2016, and since then, it is largely being practiced in many countries. According to stats, more than 4 million have undergone the surgery and recovered with a visual improvement of about 80% to 100%.

What is the procedure?

STEP 1- To start a SMILE in the eyes, patients are given anesthetic eye drops to numb the eyes so they do not feel any pain during the process.

STEP 2- A thin, disc-shaped piece of the cornea called a ‘lenticule’ is created using a Zeiss Femtosecond laser.

STEP 3- Then, using the same laser, an arc-like slit of about 2-4mm is made on the surface of the cornea.

STEP4- The final step of the process; the surgeon will gently and very carefully extricate the layer of tissue and discard it, thus, changing the corneal curvature and correcting the irregularity.

No suturing back of the incision is needed as the cornea heals itself.

Why do patients prefer it over LASIK surgery?

• No flap- Unlike LASIK, the SMILE in eyes method does not require ophthalmologists to make a big 18 to 20mm incision in the cornea to make a flap. And because of this, a lot of potential risks like flap-dislocation, flap detachment, injuries from cutting instruments or infection can be avoided completely. Additionally, all the openings are made by a pre-programmed, highly accurate laser device, eliminating the chances of any mistakes.
• Short recovery period- With proper post-operative care, the recovery period for SMILE eye surgery can be remarkably short as a very small area is affected. As a result, many people can resume most of their daily activities from the next day itself, and on average, the entire healing process takes a maximum of only up to 5 days to one week.

• Fewer side effects- Multiple studies have proved that the chances of side effects like dry eye, redness, swelling or blackouts are reduced in SMILE as it is minimally invasive. And, since most of the corneal surface is undisturbed, its stability and strength remain intact, allowing it to mend and restore 20/20 vision.

Furthermore, SMILE eye surgery takes only about 15 to 20 minutes per eye, and then the patient can be driven back to their home for resting.

The post Why is SMILE Considered The Best Laser Eye Surgery? appeared first on Today News Spot.

Small businesses are doing great today and shaping India’s economic recovery post the pandemic. Recent technological advances are helping them boom even better now and improve their bottom line. But one of the most valuable technologies for small businesses is a payment gateway. This system offers exceptional integration of payment tools in an all-inclusive solution. This makes it a cakewalk for business owners to focus on efficiency improvement, affordability and scale up their business in no time.

1.      Customer Service

When you face issues with your payment gateway, you might be constrained from using your online credit cards whenever you want. This could be a concern as payment can quickly become inconvenient. But if your payment gateway offers 24*7 support, you are less likely to face this problem in the long run. This is especially useful for small businesses that want to cast aside their competitors and stay ahead of the game. With this system readily available, companies can transform their dreams into reality without thinking twice.

2.      Recurring Billing

On-time payments are essential for each small business. This helps them to ensure that their team is receiving timely payments without a hassling experience. As a result, the team is more driven, improves productivity, and takes their job more seriously. With a payment gateway, you can now receive recurring payments consistently. This makes receiving money on time an easy task. Platforms like Open can work as a game-changer in determining the schedule of payments.

3.      Accepted Payment Methods

Clients are likely to offer diverse types of payment methods. While some may be more comfortable using a credit card, others might prefer NEFT. But if your business is not equipped with all of them, customers will likely face issues that will make them think again before they come back to your brand. Also, since you are a small business right now, you need every ounce of their money. That is why your Payment gateway can come to your rescue and help you accept an assortment of payment methods without blinking once. This broadens the sales base and allows your business to seem more credible.

4.      Dashboard

A payment gateway allows entrepreneurs to use a merchant dashboard to enable them to view their business correctly. Businesses that are selling on multiple channels can make umpteen profits from this feature. It allows them to collect and receive relevant data easily about their business on the dashboard. Above all, it helps the company access important information about customer data, traffic, and even loyalty program monitoring without any hesitation. They can also view top-performing products and daily sales without any issue.

The Bottom Line

Payment gateway is the ultimate destination for small businesses that are looking for a seamless business experience. It also makes sending and receiving payments a cakewalk with convenience and comfort. So, why keep waiting? Please make sure you get your hands on them and help your business soar to new heights daily.

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Currently, due to high property rates, it is next to impossible to buy a home without taking help from any financial institution. You might need a home loan to further settle down in your life. The amount taken as a loan has to be repaid to the borrower.

A home loan is a very convenient way to raise debt and purchase a new property. The amount of loan is sanctioned as per the fair valuation of the property. Generally, 70%-to-80% of the property’s market value is sanctioned as a loan.

Now, when an individual decides to go for debt financing to buy an asset, it is considered as a better way to raise funds. However, large transactions make it difficult for them to make their monthly budget. Therefore, you can use this tool called; a housing loan calculator to make your monthly budget.

A housing loan calculator is a tool that overcomes the difficulty of calculating housing loan EMI. Since loan amounts are huge, therefore, the calculations are also complicated. Thus, to overcome this, lending institutions provide this tool on their website for free.

A housing loan calculator has multiple benefits however, the biggest one is that it can help you in budgeting your finances. You will be aware of the exact EMI payment amount that you need to pay to the lender.

Let us discuss how, as a borrower, you can benefit from a housing loan calculator.

Benefits Of Housing Loan Calculator

• The housing loan EMI calculator instantly generates results and displays them on the screen. The entire process is completed within a fraction of seconds.

• The EMI calculator for home loans is the easiest tool. You just have input values into the desired field and it will automatically generate the output.

• There are various combinations that you can choose from on the home loan calculator. You can decide the best suitable combination as per your budget.

• It is available 24/7 and 365 days on the website. Borrowers can use the calculator any time without paying anything.

• Before getting the loan amount sanctioned in your account, you can plan your monthly budget, as it will inform you about the total EMI amount that has to be paid, along with the total interest amount.

These are the reasons why you should use a housing loan calculator while applying for home loan.

Factors That Affect The Calculation

To calculate the EMI amount for any loan, you need these three variables: Principal Amount, Tenure, and the Rate Of Borrowing (Interest Rate). The formula used to code the housing loan calculator is:

EMI = [P*R*(1+R)^N]/[(1+R)^N-1]

Where; P is for Principal Amount, R is the Interest rate, and N is the Loan Tenure.

• Principal Amount:

The amount that is credited into the loan account of the borrower, is called the principal amount. Also, the principal or the sanctioned amount depends upon the current market value of the property.

• Tenure:

There is a fixed time, decided mutually between the lender and the borrower. In which the entire principal amount and the interest amount has to be paid. The housing loan EMI amount is directly related to tenure. If the tenure increases, then the monthly EMI amount also increases.

• Interest Rate:

The monthly EMI amount depends upon the housing loan interest rate, which is given by the lending institution. Various factors affect the interest rates such as the borrower’s CIBIL score, the locations of the property, and many more.

While the interest rates will vary depending on your individual criteria and how risky as a borrower are you perceived, these are common thumb rules you can read up and ask questions on when you apply for a home loan.

The post Details you Need to Use with Housing Loan Calculator appeared first on Today News Spot.

The area of customer service is where NBFCs are focusing and implementing strategies to beat their competition. In this regard, Bajaj Finserv has excelled well with the introduction of its Experia Portal. This user-friendly online platform brought a one-stop-shop feature in customer service.

With the help of this portal, individuals can apply for credit, make an investment, and manage their accounts without any hassle. Along with these facilities, the Experia Portal also has the Bajaj Finance toll-free number, which allows customers to get in touch with the company representatives and resolve their grievances or fulfil any queries.

How to connect through Bajaj Finance helpline number?

Here is an outline on how to reach the Bajaj Finance helpline number –

The customer care number for Bajaj Finserv is 086980 10101. Individuals can call from their registered contact numbers to get their queries sorted immediately. However, if anyone calls from an unregistered number, he/she needs to provide the 7-digit customer ID and EMI Card details for the call to proceed.

The IVR facility on offer is available in 10 languages, which include English, Bengali, Hindi, Punjabi, Tamil, Telegu, Kannada, Malayalam, Gujrati, etc.

This toll-free number is easily available; current and prospective customers can always get in touch to resolve any queries that they have.

Apart from the Bajaj Finance number, customers can connect with the NBFC through other channels as well for their queries and problems. Here are some examples –

1. Via SMS

Customers can also get their queries resolved through SMS. They can type ‘help’ and send it to +91 92275 64444 from their registered contact number and receive immediate assistance.

Individuals can type the below-mentioned keywords to get different information –

• APP – To get the download link for Bajaj Finserv Experia App
• UPDEMAIL ’new email address’ – To update the email address
• CUSTID – To know the customer ID
• LAN – To get loan account number
• VAN – To know the Flexi Virtual Account Number (it is not applicable for flexi customers with salaried employment)
• Experia – To access the username and password for app login
• PIN – To get the 4-digit EMI Card PIN
• Branch ‘pin code’ – To know the nearest branch
• NOC – To obtain ‘No Objection Certificate’

2. Via virtual assistance/chatbot

The virtual assistance ‘Blu’ available on the official website of Bajaj Finserv answers different questions that a customer has. It offers a prompt and interactive mode of communication, and individuals can learn about different offers and services offered by the NBFC.

3. Online customer portal

The Bajaj Experia portal offers all the information at the single click of a mouse. Following a successful login, customers can use it to get the Bajaj Finance helpline number or register any issues directly.

They can do a lot more through this portal apart from just getting queries answered and lodging complaints. It helps individuals to check their pre-approved offers, get a detailed overview of their loan account, manage EMI Network Card, make payments, apply and pay for loans, etc.

The hassle-free experience of the Experia portal is now available at the touch of a finger with the Bajaj Finserv Experia Mobile App. It extends all the facilities that this web portal offers but in a more concise and user-friendly manner. Individuals can download this app by sending an SMS, as mentioned above.

Afterward, they can easily perform a login through username and password sent to their contact numbers.

Bajaj Finance toll-free number offers a great avenue for its present and potential customers to avail useful information. With assistance available round the clock, it can aid individuals to learn about a loan offer or manage any crisis that they are facing while accessing various services.

The post How to contact Bajaj Finance on a toll-free number for any query? appeared first on Today News Spot.

A demand for owning a house leads to a demand for a home loan. However, the differential rates of interest in the market between different individuals for similar properties is often mind-boggling and discouraging. What is worthwhile to remember is that an individual’s eligibility for a home loan and the corresponding home loan interest rate are influenced by factors, such as their job/business, monthly income, debt burdens, life stage, investment decisions, and CIBIL score. 

    Here are the above factors explained in more detail for your better understanding:

1. Your credit score: This score is determined by CIBIL which keeps a track of a person’s loan and default history. This is one of the top factors which impacts home loan eligibility and interest rate. 
2. Income figures and type of occupation: This has a direct impact on home loan eligibility and interest rate. 
3. Spread of investments: Past trends in investments undertaken, and savings discipline, affect one’s home loan eligibility.
4. The age of a loan applicant impacts the disbursal sum and its tenor since home loans are usually long-term loans.
5. The current market value and its potential for increment of the property in concern also heavily impact a home loan interest rate.

With the help of the above factors, we shall now determine in a step-by-step manner how to calculate interest rate on home loan, and negotiate a better rate with the lender:

1. First and foremost, it is important to practise financial hygiene and develop a credible reputation around it. This credibility is offered by CIBIL which maintains records of all PAN holders’ credit history and habits. A score of 700 and above is advisable for a better home loan eligibility and interest rate. This indicates that one is less likely to default on repayments of the loan. Such a score is possible if one pays all credit card outstanding dues regularly, and does not default on EMIs payments on existing loans. Even a one-time delay in repayment can impact one’s CIBIL score, which in turn, can adversely impact the home loan interest calculator.

What is also important to remember is that the CIBIL score of a joint applicant of the home loan has equal weightage in determining the interest rate on it.

1. Secondly, it is imperative that one has a stable regular flow of income which can be proven with the help of past data. For this, a job in an MNC, or with the government helps. Also, having a business of your own with a substantial history and continuing period of success is also useful. In case any of these factors is not optimally aligned in the current time, it is advisable to first stabilise this before applying for a home loan and trying to negotiate a competitive rate of interest on it.  
2. An approved home loan application file usually also features diversification of funds across investment lines, primarily towards stable ones not subject greatly to market fluctuations such as PPF, FD, debt funds, and so on. The ratio of risky equity investments is lower.  
3. Once income levels, credit rating, and investments are optimally stabilised, a home loan should be sought out without much delay. A younger person is likely to get a better interest rate on their loan as opposed to another who is older. Also, the loan tenor is more favourable for a younger person than for an older one.  
4. The final and perhaps the most important step to a person is choosing a house to buy. It is recommended that the property chosen is from reputed realtors, with a good market value. Lenders are usually not keen to invest in properties which have little to no scope for appreciation in value and might be difficult to sell in the future if the borrower fails to repay the loan on time. NPAs or non-performing assets are a big cause for concern for lenders and they’d like to keep these figures as low as possible.  
5. Macro factors, such as economic indicators and repo and reverse repo rates, impact trending home loan rates. Even then, it is possible to fetch a favourable rate by keeping the above in mind and aligning these towards a robust home loan application file. 

If you have understood the steps detailed above, you will be able to work out your home loan interest rate calculator. Just remember to practise basic debt hygiene, financial planning, with optimal resource diversification, and keep yourself abreast with economic health indicators to know the best time to opt for a home loan and invest in a house. It is always wise to remember the housing bubble and a collapse of the financial system in the latter part of the decade of 2000 in the Western parts of the world and learn from their mistakes. We can avoid the same by being meticulous and prudent in our financial decisions, especially when it comes to a home loan.

The post Step by Step Guide on Home Loan Interest Rate and how to Calculate it appeared first on Today News Spot.

Gold possesses an immense monetary value that tends to sky-rocket, allowing it to be leveraged as a valuable funding source. However, while the sale of gold jewellery can fetch a hefty amount, it also leads to the loss of the asset. Alternatively, pledging this tangible asset on a mortgage to collect a substantial sum can prove to be more beneficial. Repayment of the funds availed will let you recover your assets. Nonetheless, to apply for this advance, you must comply with a set of gold loan eligibility requirements. A prime benefit of gold loans is their simple application process. Therefore, if an individual meets the age quota and provides the necessary documents, he/she can easily benefit from a gold loan.

Gold loan eligibility criteria to be aware of

If any individual plans to apply for a gold loan, he/she must first meet these criteria set by any financial institution or NBFC. Usually, the eligibility standards remain similar across different institutions.

Here is a list of factors you must comply with to be eligible for a gold loan:

• An applicant must be between the ages of 21 and 70 years. Following this information, he/she must present an age and ID proof.
• Applicants must be salaried employees at an MNC, public, or private limited company. They can also be self-employed, traders, farmers, or businesspersons.
• The individual must be an Indian resident.

Meeting these standards is sufficient to qualify for a gold loan eligibility. However, they must also present the proper documents to receive approval upon application.

Documents necessary for gold loan eligibility

Here is a list of some of the gold loan documents mandatory while applying for a gold loan. These documents will affect the loan officials’ decision on whether they should sanction the loan amount or not.

• Passport size photographs
• Address proof
• Identity proof
• Duly filled application form
• Form 60 or a PAN card
• Signature proof
• Age proof
• Post-loan disbursement document

Providing these documents along with your gold deposit should be enough to gain access to monetary funding.

Gold loan vs personal loan: Which to choose?

At the time of medical emergencies or business expansions, many individuals lean towards personal loans. While it is a lucrative funding medium, it might not be as effective as a gold loan.

Following are some of the distinguishing factors between gold loans and personal loans:

1. Processing time

Gold loan processing takes only a matter of a few hours. After receiving approval on a gold loan application, the person receives the loan amount immediately.

Personal loan applicants must provide ITR forms and other documents for the loan application process. It usually takes from 2 to 7 days to process the application.

2. Loan amount

The amount receivable under a gold loan is dependent on the LTV ratio. Therefore, the purity and the market value of the gold decide the loan amount the institution will sanction.

A personal loan is an unsecured funding medium, and applicants can avail funds up to a certain limit under it.

3. Tenor

Gold loans come with a short tenor allowing borrowers to get rid of their debt without hassle and. The personal loan tenor period is dependent on the loan amount received by the applicant. It is usually longer than a gold loan.

When opting for instant financing, consider choosing a gold loan from institutions like Bajaj Finserv. They maintain industry-safety protocols that protect your gold deposit from damage. The NBFC also provides a part-release facility to individuals upon repaying an equivalent amount.

Be it business expansion, medical emergency, or any other high-value purchase, a standard gold loan will fetch you the monetary funding necessary to fulfil your requirements.

The post Guide to Know All About your Gold Loan Eligibility appeared first on Today News Spot.

Promoting your brand is the key to establishing your business, and one of the best ways is to use promotional items. They can put your brand name at the forefront and make it more noticeable.

However, even if you have the best marketing and promotional tools, how you use them is crucial in helping your business attain fame and exposure. Branded caps & hats are popular promotional items, and here is how you can use them.

As a Team Building Gear

Branded caps and hats are great for team-building exercises. Fun tournaments are often a part of corporate events. You can use different coloured caps for different teams at these events. This way, each team is identifiable for those watching.

Add your logo and brand name to the cap. This will express unity and consolidation among the employees of your company, as well. Moreover, when all the employees or team members wear the same cap, it also creates the scope for capturing excellent aerial shots that you may further use to promote your event or brand.

Invoke Interest

The right message can help in building your brand’s reputation. Brand recognition is all about the masses coming to know about your company’s motto and what you stand for. Caps and hats give you a great platform to send the word out.

You can use exciting quotes and catchphrases and develop a new motto to be displayed on the cap. This can garner a lot of interest among the masses, and they may want to try your products and services if they love your motto.

Connecting on a Wider Scale

You can use caps and hats to connect with the broader audience on a larger scale as it is also one of the most effective offline promotions. Apart from your brand name and logo, you may also print your company details like phone number and email ID on the cap.

Interested customers, who want to connect with you, will readily have access to the contact information, even without having to look for it.

Customer Gifts

You can use branded hats as gifts for loyal and long-standing customers. These caps are not inexpensive, but a well-crafted one will surely make the customer think highly of your company.

Moreover, when you gift anything to your loyal customers, it gives them a sense of the value they represent to your business. This will not only help retain customers, but also encourage more people to join the list.

Customised Gear

By customising your promotional caps and hats, you can use them to reach out to target audiences. You can design the caps in pastel shades or softened rims for your female customers. Or you could design them in dynamic prints so that your users can use them as a part of casual wear. Add attractive trims, embroidery, or tassels if you’re promoting a fashion event.

Customisation can make your hats stand out, and even if other companies give out promotional caps, you will still manage to impact with innovative customisations.

Stylish caps are popular with everyone, and one size pretty much manages to fit everyone. You can use branded caps and hats effectively to create brand awareness and attract more customers.

The post How to Use Branded Caps and Hats to Promote Your Brand Locally appeared first on Today News Spot.

A fixed deposit is an investment to grow your savings and earn a higher rate of return than a regular savings account. It is offered by banks and NBFCs (Non Banking Financial Companies). A fixed deposit has the lowest risk in the portfolio of investment. Money is invested in a fixed deposit with a lock in period and interest is given either at the end of the maturity date or as a regular payout.

Parking your investment in the correct Fixed Deposit in 2021 will ensure high fixed deposit returns on maturity and also a choice of regular interest payouts throughout the chosen tenure.

To ensure high returns you must look for a Fixed Deposit scheme with a high-interest rate payouts before opening a new fixed deposit account or renewing an existing one. 

The fixed deposit interest rate varies depending on factors such as Government policies, economic conditions and liquidity conditions in the market. 

While calculating fixed deposit interest rates, we need to keep in mind that fixed deposit interest rates have features that are different for senior citizens in a lot of ways compared to the general public.

• At the time of opening the fixed deposit account, the depositor should be 60 years or more.
• Depending on the bank, interest rates are higher by 0.25% to 0.50%
• Interest rates for senior citizens are higher by 0.25% to 0.5%. The actual increase is different from bank to bank.
• The tenure is between 7 days and 10 days
• Loan can be availed against FD
• Penalties for premature withdrawal are the same as for the general public

There are many factors which contribute to the calculation of fixed deposit interest rates. Some of them are noted below:

• Deposit Tenure: A lower tenure will yield a lower interest rate. For a higher interest rate, the tenure should be high or medium range
• Deposit Amount: Higher deposit amounts will fetch you higher interest rates, especially bulk deposits exceeding Rs.1 crore. Deposit amounts are also directly proportional to interest rates. A higher deposit amount will fetch you a handsome interest rate, specially bulk deposits exceeding 1 cr.
• Depositor type: Senior citizens typically get 0.25% to 0.50% additional interest rate on fixed deposits.

To determine the Fixed Deposit maturity amount, you can simply use the Fixed Deposit Calculator or Term Deposit Calculator. A few simple steps are to be followed to check the FD maturity amount. Firstly, go to the FD calculator and choose the type of customer you are. Then put in the FD type (cumulative or non-cumulative) and the amount of your principal and the tenor. The final amount of interest and your total amount earned at maturity will be displayed on the screen. 

Fixed Deposit Interest and Income Tax

• The interest earned from your Fixed Deposit is fully taxable as it comes under the term of income from other sources.
• If your interest income from Fixed Deposit is less than Rs. 40,000 in a year, banks will not deduct TDS.
• You need to submit Form 15G and Form 15H with the bank at the beginning of the financial year. Banks will not deduct TDS following the form submission.

CRISIL & ICRA Rating List for Corporate Fixed Deposits

Credit ratings of corporate Fixed Deposits determine the consistency, stability and credibility of the companies that offer FDs and it is hence beneficial to understand the credit rating.

The CRISIL credit ratings for FDs fall under the categories as given below:

FAAA has the highest safety followed by FAA, FA, FB, FC and FD in the decreasing order of Safety and increasing order of risk.

The ICRA credit ratings for FDs fall under the following categories in decreasing order of quality. The highest credit quality is MAAA followed by MAA, MA, MB, MC and MD being the lowest quality of credit.

The post How to Calculate Highest FD Rates in India appeared first on Today News Spot.

Sometimes it might be hard to achieve your dreams without having liquid funds or a collateral that can be pledged to borrow money. Whether it is growing a small business or planning higher studies, money should never be an issue to put a pause on your dreams and for that, there is one solution. The solution is to borrow unsecured funds.    

We will go through the process of how to bag a small personal loan without any security. First, let us understand: 

What are Collateral-Free Loans? 

As the name suggests, unsecured or collateral-free personal loans are short-term loans offered by the lending institution without any security. 

Collateral refers to a transferable asset that can be pledged by the borrower to secure the repayment of the borrowed money.    

Generally, when large loans are sanctioned financial institutions keep a liquid asset as a security for the repayment of the loan amount. 

Advantages of collateral-free personal loan

• One of the significant advantages is that you do not have to worry about your asset. Since the nature of a personal loan is unsecured you can apply for it even without pledging any asset. 

• Due to technological advancement, the loan approval time has been cut short. Furthermore, if you have a pre-approved offer on your account, the loan can be disbursed within seconds. So, to get some quick money you can rely on personal loans. 

• Personal loans do not have any strict boundation on usage. Personal loans are disbursed directly into your bank account thus they can cover a lot of other expenses such as weddings, traveling and hospitalization expenses. 

Ways to Get A Personal Loan Without Security 

Repay Previous Dues

It will be an added advantage if you pay off your existing loans or credit card dues before applying for a fresh unsecured loan. It will reduce your monthly expenses, thus, will save more money in your pocket. This will give lending institutions a sense of confidence, as they focus on the disposable income of the borrower. You should know that in the case of unsecured loans, it is always better to have a lower debt-to-income ratio. 

Improve/Build Your Credit Score

It is very important to have a good credit score while applying for an unsecured loan. To improve your credit score you need to start monitoring it. You can easily check your credit/CIBIL score online to know about discrepancies if any. 

Check the eligibility on the lender’s website

Once you are confident that your CIBIL score is good to bag a low-interest personal loan. You can visit different lenders’ websites to check for the eligibility and offers if any. Also, check for the eligibility to apply for a small personal loan, as it varies from a different lender to lender. 

Major lending institutions such as Bajaj Finserv provide pre-approved offers to their existing customers. So, to check the availability, you can visit their website and fill in the information. 

Fill the application form 

Once you are sure of the eligibility criteria of the lender, and if you think you fit in. You can go ahead with filling the application form. You will be required to upload/submit these documents:

KYC documents (Do not worry if you are an existing customer, they already have it in their database.)

Proof of address 

Income Proof   

Bank Statement/Passbook 

Unsecured loans can be a blessing during emergencies, as their approval time is lesser than secured loans. You can follow these steps to bag without pledging any security.  

Read Also: How Does a Small Personal Loan Work?

The post Personal Loan: Steps for Getting a Small Personal Loan Without Security appeared first on Today News Spot.

Law firms need to be able to access medical records efficiently if they want to be to solve cases as fast as possible. A lot of things have changed since the days of paper records, and electronic records have done a lot to help compile, share, verify, and retrieve documents. While it has facilitated the work of law firms around the country, there are still issues that spring up from time to time. Let’s take a look at some of the main concerns law firms have to deal with when it comes to medical records retrieval.

Human Error

Human error is one of the major issues with medical records, and it isn’t likely to go anywhere anytime soon. Since so many people are involved in the drafting of medical documents, one of them is bound to make a mistake from time to time. These errors might seem small, but they can change the whole complexity of a case.

Many of these errors come from healthcare facilities trying to accelerate their process through copy-pasting. If an error has been made on a patient’s record, this error may end up getting replicated again and again. Sometimes, nurses or medical personnel may tick wrong boxes, or input incorrect dates and numbers. Entire sections from a patient’s records may even get erased.

There is little that you can do as an attorney if there has been a mistake, but you can always prevent errors on your end. One of the ways that you could do this is by working with a competent record retrieval company.

Standardization Problems

While some guidelines need to be followed when filing electronic health records, these are mainly for privacy and security reasons. But medical records themselves may come in different forms and contain different types of information. Some may be formatted differently, and not even scanned in high definition. This could make retrieving information almost impossible in some cases. Some of the information may also be handwritten and could lead to errors on your team when trying to gather sensitive information.

This is again when working with a good medical records retrieval services could help. Since they’ve seen all sorts of records over the years, they will be able to locate pertinent information fast and relay it to you with no errors.

Not Getting What You Needed

As we mentioned, medical records can largely differ from one another and your internal team could request information that is irrelevant to your case. This could be disastrous as it could take you days or even weeks to get the information that you need. You shouldn’t expect to get a ‘perfect’ medical record every single time, but outsourcing the retrieval process would allow you to reduce the chances of getting incomplete or irrelevant information. And, in the case that it does happen, you’ll have the help of a support team to accelerate the process.

These are just some of the common issues law firms run into when it comes to medical records. Most of these can be avoided, however, so don’t hesitate to ask for help.

The post 3 Medical Retrieval Challenges Law Firms Have to Face appeared first on Today News Spot.

Car storage can be a daunting prospect. Handing the care of your vehicle over to somebody else is a uniquely frightening process, especially if you’re a petrolhead! Nobody knows your car as well as you, so it can feel uncomfortable giving that duty to someone else. Nonetheless, these tips will help you find the best storage solution.

#1 Check your insurance

First and foremost, you should look at both your insurance and that of the storage facility. Even if your car is going to be off the road for months, you’ll still need to have insurance. Insurers will usually negotiate a discount, though, so it’s always worth giving them a call to inform them of your new circumstances. Next, look at what (if any) insurance is being offered by the storage facility. Higher end facilities like Zen Den have “garage keeper’s” insurance, which covers your vehicle should anything go operationally wrong during storage. This certainly isn’t a replacement for your own policy, but it’s a useful safety net to have and worth looking out for.

#2 Can you check your vehicle in and out?

This isn’t a concern if you’re traveling away from home and know that you won’t need access to the car, but not all storage facilities will let you check in and out at will. Some will require you to pay extra for the privilege of dropping your car in/out. Others won’t, but will still require you to make an appointment. How much flexibility you need will depend entirely on your circumstances, but it’s better to know what’s being offered in advance, rather than being disappointed in your hour of need.

#3 Check out the security

The security precautions in storage facilities vary wildly. Some are little more than garages, while others are state of the art complexes. Be sure to visit the facility at least once before you store your car there. A quick walk around the perimeter should give you a good feel for how secure the area is. Surveillance cameras, controlled points of access and even security guards are all reassuring sights, but criminal incursion isn’t the only threat. A facility that’s in any way open to the elements leaves your vehicle exposed to rust. Don’t just trust the website or brochure. Pay a visit and check for yourself.

#4 Do you need climate control?

Climate-controlled facilities are invariably more expensive and not always essential. This isn’t something that will benefit every car, and nor is it necessary if the vehicle will only be in storage for a short time. If, however, you own a classic car or an expensive luxury vehicle, it might be something to consider.

Climate-controlled facilities monitor temperature and, more importantly, the amount of moisture in the air. It might seem extreme, but classic cars especially are vulnerable to inclement weather conditions and shouldn’t be left in a moist atmosphere for months at a time. If you aren’t sure, consult a mechanic before you put the vehicle into storage.

The post 4 Tips for Finding the Right Car Storage appeared first on Today News Spot.

Myntra Studio, a customised content destination on the platform, has been launched by Myntra, giving consumers access to unique, exclusive, inspiring, amusing, and shoppable content at scale.

Myntra is able to offer high-quality, engaging, and informative content to its fashion-forward consumer base by bringing the fashion influencer community to the forefront and allowing customers to follow their favourite brands and influencers. The concept is intended to stay up with and fire up India’s vibrant and diverse fashion culture and will include fashion, beauty, and entertainment news, as well as tips, hacks, and insider secrets for looking and feeling amazing.

In this post, I’ll tell you about some fashion Influencers to follow on Myntra studio. So let’s get started.

Fashion influencers to follow on Myntra studio

Customers may use Myntra Studio to follow influencers, brands, and hashtags. On Myntra studio, here are some influencers to follow.

Pooja Sharma

You can follow Pooja Sharma on Myntra Studio. Pooja Sharma is a body transformation specialist that influence people with the latest fashion trends. You can find her on Myntra to search @pooja_flabtofab. She is an extraordinary, bold and bright personality with great willpower. To her, we owe the modernization of women’s fashion, borrowing many elements from the women’s wardrobe, the popularity of the versatile little black dress, pearls, tweed suits, little hats, jewellery and tanning.

Sangeeta Bharali

You can follow Sangeeta Bharali on Myntra Studio by searching @i.am.sangy. Sangeeta Bharali is a Fashion specialist and Visual Art expert. She belongs to Shillong, Meghalaya. On Myntra Studio, she influences people to choose fashionable dresses according to her lifestyle.

Sangeeta is undoubtedly one of the most popular fashion influencers on Myntra Studio. She shares her looks and her shopping tips to the delight. Sometimes street, sometimes relaxed, sometimes glamorous but also chic, Sangeeta dares everything and sets no limits.

Farheen Panjwani

You can Follow Farheen Panjwani on Myntra Studio by searching @farheen_panjwani. She is a fashion blogger and belongs to Mumbai, Maharashtra. She influences people by suggesting outfit clothes and the latest fashion trends. She shares her daily life and her many passions such as fashion, travel, well-being and sport.

Shaurya Sanadhya

Shaurya Sanadhya is a fashion and beauty specialist that is a fashion Influencer on Myntra Studio. You can search Shaurya Sanadhya on Myntra Studio to follow them. She shares some beauty tips and influences people to find trending fashionable items from Myntra Studio.

Beautiful and talented and friend of many famous people, Shaurya is certainly one of the most famous influencers on Myntra Studio, also appreciated for her genuineness; in fact, sometimes she posts her photos without filters without being ashamed, something much appreciated by followers.

Ishita Khanna

Ishita Khanna is available on Myntra Studio as a Fashion influencer. She has about 30k followers on Myntra Studio. She influences people with the latest fashion trends and gives some advice to choose dresses and necklaces etc. Ishita often called her fashion house crazy. The popularity of her collections was huge; everyone wanted to have these strange clothes.

Conclusion,

Here i suggested to you some best fashion Influencers on Myntra Studio. When it comes to Indian cultural wear, there are a variety of methods to elevate your style. After following these fashion Influencers, you will get which type of dresses are trending. So don’t forget to follow them on Myntra Studio. 

The post Fashion influencers to follow on Myntra studio appeared first on Today News Spot.

You might end a day on a lousy note sometimes because of work or other issues. But starting the day feeling tired and unhappy can put a ranch through your plans. One of the most important factors to consider for a good night’s sleep is the mattress. Not only does it determine your sleep quality, but also determines your overall health and well-being. 

You need to have a good night’s sleep as it removes all the toxins and rejuvenates your body to maintain your physical and mental fitness. Now you might be wondering, “Why is it important to take the mattress so seriously?”. There are various benefits of a mattress that might be compelling enough for you to understand the importance of a good mattress. A few of these benefits include body pain prevention, better spinal alignment, reduced stress levels, snoring, reduced allergies, etc. We’ll get to know more about how a mattress plays a significant role in your overall health.

Is Your Mattress Losing Its Quality And Durability?

Nowadays, with the mattress prices going sky high, purchasing a new one, be it single or double, king-size or queen-size, has become a significant investment, and you have to think about it twice. Since you might not notice any issues with the current mattress, people don’t even think about buying a new one. But like everything else in our life, the mattress has age as well. 

There comes a time when the mattress starts to wear out, becomes lumpy and starts to hurt your body. That’s when you should think about buying a new one. As it ages, the mattress loses its quality and durability quite drastically. As we already mentioned, the mattresses are becoming pretty expensive, so there might be a slight hesitation. But on Flo Mattress, you would be able to buy a high-quality yet cheap mattress online.

Do You Have Constant Back Pain?

Having constant back pain all day / every day, can be highly irritating and tiresome. A primary factor behind that might be the mattress. The bed you sleep in should provide you with an ample amount of comfort, balance and support to your body. 

Unfortunately, your current mattress might be old and worn out with time, or you might have chosen the one that is not compatible with your body weight or sleeping position. Before buying a mattress, the best thing to do is to be aware of your sleeping posture and buy the mattress accordingly. Additionally, if you are looking to buy a cheap mattress online, ensure that you have a general idea about the quality of the mattress and the company. You should also change your mattress every 6 or 7 years to keep the body pains and other medical problems away.

Do You Have Allergies?

You might wake up sneezing or having other respiratory or skin allergies. It might be because of your mattress. Certain mattresses have an off-gassing (due to chemicals). When mixed with your body odour, moisture and allergens, you might experience allergies. 

Unfortunately, what the new mattresses have and the older ones don’t is ventilation. So over time, when the mattress gets accumulated with dust, allergens, bed bugs and other insects, it can cause skin allergies and rashes and sneezing and other respiratory issues. Buying any cheap mattress online wouldn’t help. So, finding the one with enough ventilation to keep you away from any allergies would be the way to go.

Are You Experiencing Snoring?

One of the most prominent sleeping issues is snoring. Unfortunately, the reason behind snoring is your mattress being unable to support and balance the body. When your airway is partially obstructed, it might cause you to snore while sleeping. The mattress you sleep in should provide you with support to your head, neck and curve of your back. Otherwise, your lower jaw will open up and obstruct the airway, causing you to snore. So buy a mattress with careful consideration to how it supports your body while sleeping. 

Can Your Mattress Provide You With Immune Health?

Having a weaker immune system can be attributed to not getting enough sleep. When your body is resting during deep sleep, it produces a protein called Cytokine, which is necessary for your immune system. Frequent coughs, colds and other illnesses might be the symptoms of lack of sleep.

Heart Problems

The most alarming issues associated with sleeplessness are heart problems. Not having enough sleep results in you having higher anxiety and stress levels. Combine that with bad dietary habits, improper digestion, etc. you are prone to have heart problems. 

The mattresses are considered to be a significant investment, as discussed earlier. So come over to Flo Mattress, buy a high-quality yet reasonably cheap mattress online, and have it delivered to your doorstep.

The post Why Is It Important To Take Your Mattress Seriously? appeared first on Today News Spot.

There is simply no way to predict when an accident might happen in the home. In the event of a medical incident or emergency, having the right supplies to hand can be incredibly helpful.

The severity of accidents experienced in the home varies widely across the United States. For many people, an accident that happens in the home will not have serious health implications. Unfortunately for some, this is not the case, and these kinds of accidents can be fatal. In fact, data shows that more than 30,000 people die every year in the US due to an accident at home.

The Most Common Household Accidents

The most common household accidents leading to injury include:

• Falls
• Poisoning / Overdose
• Fires
• Suffocating
• Drowning

Although it is not always possible to prevent an accident from taking place, knowing how to deal with it could potentially save a life.

Undergoing basic first aid training is a great way to equip yourself with the knowledge to react well in an emergency. You will be able to find a course in your local area that you can complete in a few hours or over a couple of days.

In addition to undergoing basic first aid training, it is also a very good idea to stock your home with medical supplies.

Stocking Your First Aid Cabinet

Knowing what to keep in your first aid cabinet is a key component of having a safe home.

Great items to include are:

• Band-aids
• Bandages
• Sterile dressings
• Sterile gloves
• Sterile wipes
• Tweezers
• Scissors
• Antiseptic cream
• Painkillers
• Eyewash

Make sure that young children are unable to gain access to the first aid cabinet as this can pose a hazard itself.

Why Should You Be Prepared?

When you have all of the aforementioned items in your first aid cabinet, then you have the peace of mind of being prepared. Accidents can happen to absolutely anyone and can also happen at any time.

If a situation arises where a person in your household requires medical attention, but you are unable to go and get help, then it will be essential that you have the right supplies at home.

In the event of a serious incident, such as a burn, being able to offer interim treatment before the professionals arrive can be very helpful. For example, holding a cold compress on the burn site as soon as possible will help to reduce pain. This can also impact how well and how quickly the patient recovers. Leaving a burn untreated while you drive to the hospital could prolong the rate at which the skin heals.

Creating a Safe Home

Removing hazards from your home entirely is simply not possible. However, you can do your very best to create a safe home for you and your family. In order to create a safe environment, you should always ensure that you have the necessary medical supplies. Additional ways to keep your home safe include keeping it free from clutter and mess, never leaving your young children unsupervised, and keeping any potentially dangerous items out of reach of everyone who shouldn’t touch them.

The post Why You Should Stock Your Home with Medical Supplies appeared first on Today News Spot.

You have likely heard about the many beautiful buildings and splendid sights that London has to offer, from Big Ben to Buckingham Palace and every lavish landmark in between.

If you happen to be making plans to visit London anytime soon and want to experience a day out with a difference (away from the tourist traps), here are some fantastically fun, alternative destinations that one of the world’s greatest cities can offer you.

Dine and Discover at Boxpark, Shoreditch

For a unique amalgamation of retail therapy and culinary delights, you may want to head along to the thriving heart of east London and check out Boxpark in Shoreditch.

It is essentially a vibrant modern market built out of individual shipping containers, each one boasting its own independent pop-up store, street food restaurant or bar, and they are eager to be discovered.

If you love one-of-a-kind evening events, delicious dining and spending your time absorbing the atmosphere in trendy neighborhoods, Boxpark could provide you with an ideal day out.

An Escape Room Extravaganza

For adventure, excitement and immersion, checking out Live Escape Room London may be well-worth your time.

If you enjoy a good laugh, putting your detective skills to the test, or losing yourself in the moment and indulging in a captivating story, there are a wealth of extremely high-quality escape room options worth exploring.

From the Kingdom of Cats to a biohazard laboratory escape, there is likely something for anyone to enjoy.

A Trip Through Time at the London Mithraeum

The magical, almost mystical Mithraeum can be found in the City of London underneath the Bloomberg building.

It is a relatively well-hidden wonder, and for those of among you who are passionate about history, it is likely an opportunity you will not want to miss.

Taking a tour through an ancient Roman temple in the center of London is a somewhat uncanny experience, and one that is very much worth going out of your way for if you intend to fill your day with culture.

Brunch in Bloomsbury

To follow in the footsteps of some of the literary greats like E.M. Forster and Virginia Woolf, why not take a trip down to Bloomsbury and spoil yourself with a brunch to remember?

For a sophisticated day of dining, it might be worth checking out places such as Bon Vivant, the Bloomsbury Coffee House and Dalloway Terrace.

From bottomless bellinis to perfect poached eggs, the area is packed with hidden delights and delicacies.

Gazing on Waterloo Sunset, South Bank

For a picturesque end to a perfect day, walking along South Bank and gazing out at Waterloo Sunset, Ray Davies style, may be the icing on the cake you were looking for.

The lovely walk next to the Thames is lined with food trucks, restaurants and street performers, not to mention the Globe Theatre, The Swan and the Tate Modern.

You could spend an entire day wandering along the South Bank, and be treated to a beautiful sunset like no other at the end of it, all for no extra cost!

The post Where to Go for a Unique Day Out in London appeared first on Today News Spot.

All the cars that are imported around the world are manufactured in different factories like Kirchhoff Automotive Manchester. Automobile plants like these are responsible for manufacturing, fitting, and other relevant procedures necessary to put a car together.

It is through trade data that all of this collaboration is possible. The car in your driveway has parts from all over the world that are responsible for making it work. A lot of goods are assembled internationally, as reported by US import data.

Further, the numbers reveal that cars are the most diverse in terms of makeup and trade. This may be because of many reasons, such as cheaper production costs or favourable government policies.

10 Best Automobile Companies In USA For 2022

Toyota

According to US import data, Toyota manufactures one of the most in-demand imported cars, the Toyota Camry. It is a consumer favourite in the US and one of the most imported cars. This, however, is followed closely by the Toyota Corolla, which is the second most imported car in the US.

Honda

While Honda has gone through many changes in the past year, there is still a demand for luxury vehicles by middle-class automotive buyers in Northern America. Even with the pandemic, the automobile sector is predicted to see an increase in sales in the coming months as everything returns to normal.

Nissan

Nissan is another favourite among the middle class in America. It is also one of the many companies that order its parts from Kirchhoff Automotive Manchester. Proving that Nissan only wants the best parts for their cars and of course, their consumers.

Fiat

While the Fiat is in a relatively higher price range, consumers cannot get enough of the sleek styles and luxury that are accompanied by the product. The demand for Fiat’s automobiles is only increasing in the United States.

Subaru

The Subaru is a car manufacturer that has the most of its market in the United States and Northern America. Subaru, as a company, values practicality and value, which is why it is bought by so many Americans every year.

Mazda

Mazda is a legacy manufacturer that produces one of the most recognizable cars in America. The Mazda line is favoured among automotive buyers because of its style and grace. The sedans sold by Mazda are perfect for the quintessential middle-class consumer.

Chevrolet

When you hear the name Chevrolet, your mind immediately goes to innovation, and there is a good reason for that. With the Camaro muscle car, Chevrolet is a real industry leader. In the future, Chevrolet hopes to move into the domain of SUVs and trucks which are much more profitable.

Volkswagen

Volkswagen has long since recovered from the diesel gate. The multinational company has made a strong return to the market with consumer favourites like the Jetta Sedan. The mix of opulence and practicality is one of the cornerstones of the Volkswagen brand, and they never fail to deliver.

Ford

The past few years have left Ford investing all of its time into SUVs, and the market approves. Ford is one of the leading automobile brands in the SUV sector, which is just as well because they manufacture cars that last for years and even decades.

Hyundai

The Hyundai Sonata has emerged as the stand-out car for Hyundai in 2021 and is one of the top-ranking cars of its class. With its sister brand, Kia Hyundai is making a big splash in the American market, especially in the affordable demographic.

How Does Kirchhoff Automotive Manchester Come Into The Picture?

All of these cars were manufactured internationally, with different components coming from all over the world. These components are made and assembled in factories like the Kirchhoff Automotive Manchester coming together with the help of trade data companies connecting exporters and importers.

The post Top 10 Automobile Companies In USA 2022 appeared first on Today News Spot.

Those who have suffered from a work-related injury or illness may be entitled to compensation from their employer. Even though most employees understand this, they do not pursue it and suffer quietly for years.

This is primarily because they are intimidated by the process. They also assume that it is complicated and time-consuming to file a claim and receive compensation. Similarly, insurance companies and claims adjusters do not quickly settle claims and come up with countless reasons to reject them, leaving many to look out for themselves financially.

Some cases can be very straightforward, but reaching out to law experts such as Law Advice can give you a fighting chance in receiving what you are owed.

Benefits of Hiring the Compensation Lawyers

Lawyers specialising in worker’s compensation claims will represent you until the end. They handle all the communication with the insurance company, gather evidence for your case, and ensure you get a fair settlement.

Upon reading the case details, compensation lawyers can estimate exactly what benefits you are likely to receive. It generally depends on factors such as the extent of injuries, present medical expenses, and expected future medical expenses due to the injury, permanence of the injury, etc.

Gathering Evidence

Evidence is essential to prove your case, but gathering evidence is a complicated task for individuals. Lawyers will collect medical records, conduct depositions to unearth information, request independent medical exams, hire expert witnesses to support the case, and do much more.

Being experienced professionals, they will know how to approach the case and gather the appropriate evidence for a favourable settlement.

Representation at Trial

When your case does not settle, it can proceed to a hearing or trial in front of a workers compensation judge who will help decide on the final settlement. It is not easy to represent oneself in court as it can be quite complex.

Testimonies, trial arguments, and legal research are things that expert lawyers should carry out. Only they can understand if the insurance companies are giving you the best possible solutions. The lawyers can find the right testimonies to strengthen your case and negate the wrong ones.

Expert Negotiation

Insurance companies will use many negotiation tactics to leave you with a lower settlement than justified. This is where lawyers come in. They won’t settle easily and can negotiate well enough to get you the insurer’s “best offer”. Lawyers will also get you a settlement that covers your medical expenses in the future.

Third-Party Claims

It is also important to note that instead of claiming benefits against your employer, you can claim personal injuries against third-party members who are directly responsible for your injury. Your lawyer can help you understand when to file for a personal injury claim and worker’s compensation claim.

Work injuries can happen anywhere, not just at the office. For example, any injury sustained in a work environment such as work-related events or at a client’s job site is considered a work injury. Knowing what to do soon after an accident can help you gain the benefits you rightly deserve. Consulting specialised lawyers such as those at Law Advice can help you settle your claims quickly and with ease.

The post How Can A Lawyer Help File Your Worker Compensation Claim? appeared first on Today News Spot.

According to Union Coal Minister Pralhad Joshi, Commercial Coal Mining is an invitation to investors to become a part of vastly untapped Indian coal reserves. The process will make India Aatmanirbhar in Coal, creating huge employment opportunities, accelerating socio-economic growth in coal-bearing states & developing a market-based coal economy.

Reaping the benefits of this government initiative, Sarda Energy and Minerals Limited plans to commission Gare Palma coal mine in Chhattisgarh in 2021 itself, as per PK Jain, Director and Group CFO. Last year, Sarda Energy placed the winning bid for Gare Palma IV/7 with the highest ever premium or revenue share over & above the floor price in the 1^st commercial coal mine auction.

Recently, the Adani Group Chhattisgarh, with its wholly-owned subsidiary Gare Palma II Collieries Pvt Ltd, signed an agreement with the Maharashtra State Power Generation Co Ltd (MAHAGENCO) for developing and operating Gare Palma Sector II coal mine. The group has undertaken two more mining projects in Gare Palma I & III.

Under the commercial coal mining auction, Gare Palma IV/7 coal mine in Chhattisgarh saw Adani Group, Hindalco Industries Ltd, JSW Steel Ltd, Nuvoco Vistas Corporation Ltd, Sarda Energy and DB Power Ltd as the competitive bidders.

The government, under the 2^nd tranche of commercial coal mining auction, put up sixty-seven coal mines for sale in tune with the ‘Aatmanirbhar Bharat’ project. The coal blocks for sale are a combination of coking & non-coking mines with fully and partially explored small & large reserves. These blocks are spread across six states including Chhattisgarh, Odisha, Jharkhand, Maharashtra, Madhya Pradesh & Andhra Pradesh.

Chhattisgarh accounts for sixteen per cent of coal deposits in India and the state ranks second in coal production with eighteen per cent contribution to the nation’s total production. It has adopted sustainable mining solutions with private investors like Adani Group implementing green mining practices in Chhattisgarh. Numerous initiatives have been directed by the group towards green belt development.

Adani Group in Chhattisgarh commenced its ambitious integrated mine developer cum operator (MDO) operations with the beginning of coal production at the Parsa East-Kente Basan mine.

They have relocated more than 5,600 trees with a survival rate of above ninety per cent, as well as created an in-house nursery with over 200,000 germinated saplings since the beginning of the project operations. Adding to it, Adani Group mining Chhattisgarh has planted 140,000 native species across 50 Ha of land along with adopting green mining techniques like progressive land reclamation, surface mining & geo blanketing.

Turning out to be responsible green miners in Chhattisgarh, private players like Adani Group are striving in an efficient and effective manner for achieving the nation’s goal of sustainable development.

The post Commercial Coal Mining infuses new hope in Chhattisgarh appeared first on Today News Spot.

Traders have always been an integral part of the economy. Shopkeepers are also one amongst them. We all are dependent on them for our daily needs. Like any other business enterprise, shop owners are always in need of funds. Many money lenders have introduced specific shop loans to benefit individuals who want to own a shop.

Nowadays, an individual has a bunch of loan options to select from. Banks and financial institutions have specific eligibility criteria for shop loan approval. Here are certain factors one should keep in mind while applying for a loan for shop purchase!

• Eligibility criteria

One should check the lender’s eligibility criteria before making an application. If you do not meet the eligibility criteria of the lender, you will end up facing rejections. The credit score is one of the most important eligibility criteria. A good CIBIL score enhances the chances of getting a loan. A CIBIL score of 750 or higher is considered ideal by the lenders and the applicant can secure a loan at competitive rates. An applicant should check and improve his credit score for easy loan approval.

• Personal and legal documents

Legal and personal documents are an integral part of a loan application. When you apply for a loan for shop purchase, check all your documents. Purchasing a shop involves a lot of legal and financial papers. All papers should be in place for better chances of loan approval.

• The amount and tenor of the loan

You should always check your resources and ascertain the amount of loan you need to purchase a shop. You might get luring offers with lower interest rates and zero processing fees for a higher loan amount. But borrowing more than you need could be a burden on your business. You should also check the loan tenor while applying. A suitable tenor is a vital consideration.

• Collateral

Collateral security is a significant feature of any loan instrument. Some lending institutions provide a business loan in India without security. Yet, if you provide collateral for the loan amount, there are chances of getting it at better terms. You should check all the collateral at your disposal before applying for a shop loan.

• Repayment capacity

You should check your repayment capacity before making an application for a loan for shop purchase. You might be eligible for a bigger loan amount. But you may not afford it to repay. Hence, it is necessary to calculate your monthly income and expenses. It can help you avail of a loan that you can manage to repay.

• Research and comparison

Different money lenders provide shop loans on different terms and conditions. You should apply for a loan for shop purchase only after researching. Interest is the cost of availing of a loan. You can compare interest rates and the terms of lending institutions to make a better decision. You should also check the prepayment and penalty charges beforehand. Proper research and comparison can help you in getting a good deal. You can do that on a third-party website and choose a deal that matches your needs the best.

There are other considerations like existing debts, lender’s credibility and more. A loan is a debt that you have to repay. You should always decide to avail of it only after considering all parameters. Now that you know the factors you should consider while making a shop loan application, you can avail one with ease.

Bajaj Finserv presents pre-approved deals on business loans, home loans, personal loans and more. Its purpose is to simplify loan processing. You can share your basic details, such as your name and mobile number, to check out your pre-approved loan offers.

The post 6 Factors to Consider While Applying for A Shop Loan appeared first on Today News Spot.

According to a report, the car ownership market in India stands at 3%, creating a lucrative prospect for the auto industry. The same report stated that Indians are investing in personal cars due to environmental and economic consciousness.

However, purchasing a new car may compel an individual to invest substantial fund and spend tons on installation costs. Moreover, a new car loses its purchase value by 10% – 30% after usage. Comparatively, pre-owned vehicles are cheaper and offer better value for money.

To that end, individuals planning to upgrade from two-wheelers or public transport can double their savings by availing a second-hand car loan.

However, potential borrowers must understand the steps used in a used car loan application in detail for an informed decision.

Steps to follow for a successful second-hand car loan application

1. Compare lending institutions

To find a lucrative pre-owned car loan, a potential borrower must check whether a lending institution offers a financing option to purchase a used vehicle. Many lenders avoid lending finance for cars older than three or more years. Individuals must also scan online and offline to find lenders offering loans at competitive interest rates. Ideally, comparing various deals and borrowing cost can help an applicant make nearly 20% to 30% savings.

2. Evaluate the eligibility criteria

Lenders scrutinise an applicant’s personal and professional details before approval. This is followed to substantiate a borrower’s repayment capability and timely payments. Following are eligibility requirements for second-hand car financing –

Parameters for salaried individuals                                                       

•         The applicants must fall in the age bracket between 21 to 65 years
•         He/she should have a stable income source
•         Applicants must be employed in a private or public organisation with a minimum of one year of experience.

Parameters for self-employed individuals 

•         The applicant must fall in the age bracket of 21 to 65 years
•         Individuals must show a profitable revenue
•         He/she must have a business vintage of at least three years.

Moreover, individuals must possess a CIBIL score of 750 or above to qualify for this loan.

3. Check the EMI and tenor

Individuals must evaluate the different factors related to lending like tenor and repayment structure. One must ensure the processing fee, interest rate, EMI pattern set by a lender are viable. In this regard, using an online personal loan calculator or similar tool would streamline this process. It is important to know that the LTV ratio on a pre-owned car loan is usually higher than on a new car loan. The loan amount also depends on the car’s valuation by a lender.

4. Initiate application

If the variables linked with a second-hand car loan suits a potential borrower, he/she can initiate an application. Typically, individuals need to fill an application form with personal and professional details and submit scanned documents online. Alternatively, one can visit a lender and submit documents manually. If the papers are correct, the credit amount is disbursed to a borrower’s account.

However, keeping up with these steps can be problematic for certain individuals. In these circumstances, one can look for a personal loan that offers substantial credit against feasible interest rates.  The disbursed amount can be used to purchase any model they choose, customise a number plate, decorating the vehicle, and more since there’s no end-use restriction.

To proceed with these steps without hassle, an applicant must check everything one needs to know about personal loans for used cars.

Moreover, finding a lender offering customised features would scale up the benefits. Reputed NBFCs like Bajaj Finserv extend pre-approved loan offers that simplify the loan application process. Such offers are usually available on financial products like business loans, personal loans, etc. Check your pre-approved offers today by entering your name and contact number.

Getting a personal loan is comparatively more manageable than a used car loan. With digitalisation, individuals can apply for a personal loan for used cars online against minimal eligibility criteria and documentation.

Availing a second-hand car loan is a lucrative credit form for aspiring drivers who plan to invest in a cheaper vehicle for practice. However, fulfilling the eligibility requirements and application process can be troublesome for many. In this situation, looking for a high-value alternative like a personal loan can be a step closer to the dream car without squandering.

The post Check how to get a Loan for a Pre-owned Car appeared first on Today News Spot.

Bees across the world are in trouble. Their numbers are in decline due to factors like excessive use of chemical pesticides, which are harmful to them, and the destruction of the natural habitats where they live and thrive. However, there are a few things that you and others can do to help conserve the bees and encourage an increase in their population.

Why are bees so important?

Bees are important because they are excellent pollinators. As they buzz around gathering nectar to feed themselves, they also spread pollen from plant to plant. Pollination is what allows plants to grow, and without it, we would see a lot fewer plants in the wild.

We would also find that the crops we rely on for our own food would grow less readily, which would soon start to become a problem. The vast majority of plants rely on bees to pollinate them, so it’s important that everyone does their bit to protect them.

Create a bee-friendly garden

One of the problems facing bees is that there aren’t enough bee-friendly environments for them to live and feed in. Individuals can do their bit to help with that by ensuring that their gardens are as bee-friendly as possible. The best way to do that is by encouraging the growth of wildflowers and other plants that bees love to gather nectar from them.

An easy way to do this is by laying turf designed to encourage the growth of wildflowers. You can buy this and other bee-friendly gardening equipment at arbourlandscapesolutions.co.uk.

It’s also effective to just not mow your lawn as often! When you mow your lawn, you prevent wildflowers and weeds that help bees to thrive from growing. By mowing less often, the bees have more food.

Minimize the use of chemicals

Chemical fertilizers and pesticides are harmful to bees and other insects that are vital for the health of the planet as a whole. You can do a great deal to help the bees by not using them.

You can also help by supporting farmers and food brands that are committed to minimizing the use of chemicals that are harmful to bees.

Build a bee bath

It’s thirsty work for bees as they forage and look for nectar! You can help them along their way by creating a bee bath that will help them to take a drink and cool off. All you need to do is fill a shallow dish with water and then lay colorful pebbles along the bottom so that they are just breaking the surface of the water. This gives the bees somewhere to stand and drink without completely submerging them in the water.

Support local beekeepers

Local beekeepers are usually committed to the health and well-being of their bees. They will have hives full of bees that they are trying to help grow in numbers, so anything you can do to help your local beekeepers will help the bees. Buying local honey is one way, and you could talk with them and see if they have any suggestions for local events and initiatives that you could be a part of.

The post How You Can Help Save The Bees appeared first on Today News Spot.

The biggest challenge an individual would face is filing taxes after each financial year. Visiting your CA and going through the entire computation can be a time-consuming task. However, there are simple alternatives to this situation available just around the corner.

We are talking about an income tax calculator that can now be found easily. Even if you are a layperson who is trying to file for the first time, these calculators can be of great help. Mainly due to their simple design. 

Therefore, if you wish to know more about an income tax calculator 2021, then continue reading. Along with this, we will also share with you the benefits of using this simple income tax calculator online.

What is an online income tax calculator?

An income tax calculator is a tool that is available online for those who are looking to file returns. It allows you to evaluate taxes depending on your income during a financial year. Besides, an income tax calculator can be customised for information in order to get accurate results.

Therefore, if you want to get a computation outline for the previous financial year, then consider using a calculator today. These calculators can be found online by simply searching. Also, they are available for free so you would not have to spend a lot of time.

On the other hand, you will be able to calculate income tax for the current active year as well as previous ones. So, even if you have not paid your taxes for the last year you will be able to get an accurate idea of what you owe to the IT department.

Benefits of an online income tax calculator 

1. Convenience 

A key benefit of using an income tax calculator available online is convenience. Imagine having to take out time from your busy schedule to visit a CA. Besides, with the current situation and ones work life, it is now impossible to do so. Therefore, with an online calculator, you will be able to finish the work from your own home.

2. Availability 

Another great thing about an online income tax calculator is that it is available 24/7. Therefore, if you are someone who likes to work late at night, then you would not have to deal with time limitations. Besides, there is less to no downtime on these calculator websites. Hence, you do not need to worry about last-minute filing issues. 

Read Also: How can you Reduce your Home Loan EMI?

3. Easy to use

Even for first time users calculating taxes using this particular tool is very easy. Most income tax calculators have a very straightforward user interface. Therefore, you will not have to struggle when it comes to putting in information. Besides, the tool generates quick results so there is almost no waiting time. 

4. Specified fields

Most of us are not CAs so we do not know what all can be deducted or added to our ITR file. However, the online calculators available these days have specific fields marked for the same. All you would have to do is fill in information and press submit.

5. Defined exemptions 

Lastly, while using a similar calculator you will also be able to get information on exemptions. The calculator would ask you specific questions so that it could take note of the possible exemptions in your case. This too reduces the need for you to visit a professional or expert while getting your computation prepared.

Since now you are well aware of the income tax calculator and how it is beneficial, we suggest you try using one yourself. Besides, if you need more help, you will be able to get additional information on different tax calculator websites.

Read Also: Know your Precise Home Loan Tax Benefits Using an Income Tax Calculator

The post All you Need to know about an Income Tax Calculator appeared first on Today News Spot.

To maintain the records of investors properly, financial institutions like banks, finance firms, etc. maintain KYC (Know Your Customer) documents of all their customers. The CKYC (Central Know Your Customer) was introduced to avoid inconsistencies and fraudulent activities. To register in the CKYC, one needs to submit the documents online and go through the verification process only once after which a CKYC number will be allotted to him. This number can be shared whenever he wants to invest or take a loan from a financial entity. 

If an investor wants to invest in a fixed deposit, the CKYC can come in handy as he would be saved from the ordeal of going through the document verification procedure. This would be especially helpful if the bank or NBFC with whom he wants to open a fixed deposit account also provides an online investment process. 

For instance, Bajaj Finance FD gives the option of online investment with an online FD form. This along with CKYC can prove to be beneficial as they will ensure that the entire investment process becomes online. Not only that, a 0.10% higher FD interest rate is provided to those who invest online. The other important features of Bajaj Finance FD that make it a favorable option for investors are given below:

Lucrative interest rate 

Before investing in an FD, one must ask what is the interest rate for a fixed deposit that the financier offers. If the interest rate is not high enough, the deposits won’t be able to generate sufficient returns at maturity. 

Must Read: How does CKYC Help Fixed Deposit Investors in India?

Bajaj Finance FD offers the highest FD rates in the market as they allow the depositor’s money to grow at an interest rate of up to 7.25%. This means that the growth of savings will be much more than what bank FDs and postal FDs provide. 

Suppose that an individual invests Rs. 40,00,000 in an FD. The below table shows the returns that can be expected from bank FDs, post office FDs, and Bajaj Finance FD after 5 years:

It can be clearly understood that one can earn much more through Bajaj Finance FD as compared to the conventional FD plans like bank and post office fixed deposits. To check the combinations of different investment tenors, deposit amounts, and fixed deposit types, one can use the FD calculator that can be found on the official website of Bajaj Finance. 

Laddering deposits

To maximize the earning potential through fixed deposits, an investor must ladder his deposits smartly. For that, he needs to choose a different tenor for each FD so that the fluctuating interest rates are balanced out. Also, with several liquidity points, an investor might get a chance to invest in a high-paying FD in the future by laddering his FDs. 

The multi-deposit facility is one of the key features of the FD plans that are offered by Bajaj Finance. With this, investors can think of investing in several FDs of different lock-in periods and amounts at once. Not only that, it gives them a chance to invest in both the FD types simultaneously. 

As a result, one can split his corpus and invest some funds in a cumulative FD for compounding returns and the remaining funds can be locked in a non-cumulative FD for earning a regular income. The periodic payout options offered by Bajaj Finance FD include interest payout after each month, quarter, six-month, or year. This allows an investor to use the interest gains to manage his monthly expenditure. 

Security of deposits 

Bajaj Finance FD ensures that an investor’s deposits are entirely safe as the returns are unaffected by changing dynamics of the market and economy. It has been regarded as one of the safest FDs by credit rating organizations like CRISIL and ICRA. Therefore, one can invest in this FD scheme without worrying about the security of deposits.

The post How does CKYC Help in the Process of Fixed Deposit Account? appeared first on Today News Spot.

In India, every minute a serious road accident occurs and 16 die due to the same in an hour. In a similar context, more than 1,200 road crashes are witnessed in India, and 377 individuals die, in a day. In most cases (25%), two-wheeler motor vehicles are accountable for road crashes. 

These accidents mostly occur in the urban regions where roads are busy and chaotic throughout weekdays. Cities that top the list of most numbers of road crashes are – Delhi, Chennai, Bangalore, Mumbai, Lucknow, Pune, etc. 

2013 recorded one of the worst years in respect to road crashes, where more than 1.37 Lakh individuals died due to road accidents. Such a health insurance policy has become a common financial product for urban dwellers, especially personal accident insurance. 

Personal accident insurance policies facilitate financial coverage on account of accidents and losses suffered by the insured individual. 

However, there are circumstances which are not considered for financial coverage under personal accident insurance policies. 

What are the things that do not come under personal accident insurance?

As per the mandate of Insurance Regulatory and Development Authority of India (IRDAI), there are certain specific circumstances which are discounted under the purview of standard personal accident insurance policies. 

A few of these are mentioned below – 

1. Self-inflicted injury: In case an individual hurts himself or herself voluntarily under any circumstance, any monetary compensation is not facilitated by a personal accident insurance policy toward medical expenses. 
2. Sexually transmitted diseases: Health insurance policies do not apply towards treatment of sexually transmitted diseases (STDs) such as HIV or AIDS. 
3. Involvement in perilous activities: In case an individual decides to engage in dangerous activities which constitute joining the military, navy, air force, scuba diving, hang gliding, sky diving, racing, rock climbing, etc., he/she cannot enjoy the benefits of a personal accident insurance policy. 
4. Substance abuse: If an individual is found to be in a state of intoxication during an accident occurring from abuse of toxic drugs, alcohol, or hallucinogens, he/she is not entitled to receive any financial coverage under a health insurance policy.
5. Acts of subversion: An individual cannot avail monetary coverage for treatments for injuries which occurred in the course of any subversive activity. Subversive activities under the guidelines of IRDAI are – rebel, revolution, terrorism, war or warlike operations, riots, etc. 
6. Criminality: In case an individual suffers an injury on account of any criminal activity or breach of the law, he/she will not be facilitated with financial coverage for treatment expenses under personal accident insurance policies. It is applicable if the individual is held accountable, proven guilty, or party to the aforementioned. 

This list comprises the comprehensive set of exclusions made by the regulatory body under personal accident insurance. While this is the definitive list of exclusions, there are other instances, coverage of which varies from one institution to another. 

Regardless, personal accident insurance proves considerably beneficial in case of road accidents or any other cause of severe injury excluding the aforementioned. For instance, reputed insurance aggregators such as Bajaj Finserv offer an allowance to compensate for an individual’s income due to hospitalisation under their Personal Accident Insurance policy. 

There are several types of health insurance policy, apart from personal accident insurance, which allow you to avail financial coverage under various instances, clubbed according to their nature. 

These are – 

• Individual insurance.
• Family floater insurance. 
• Critical Illness Insurance policy.
• Senior citizen health insurance.
• Maternity health insurance. 

Make sure to choose the best health insurance plans in India by comparing all the available products. 

Some institutions also offer a bonus on your policies if you do not apply for any claim during a particular year. These companies also offer health insurance online for better convenience. 

The post Essential Things that do Not Come Under Personal Accident Insurance appeared first on Today News Spot.

It can be hard to request a loan for your business. Even though you know you need the money and you know you can pay back the monthly charges, the idea of having to ask and the potential to be rejected is stressful. This is an issue that you will need to get over if you want to grow your business; that is what the money is for, after all.

The best way to overcome your nerves and to ask for the loan you need is to plan ahead. If you know just what you have to do to apply for a business loan and you put it all in place before you need it, applying will be much easier. Doing this still will not guarantee that you will get the loan, but it will certainly help. Read on to find out what you need to do.

Define What Your Financing Needs Are

Unless you know exactly what you need the money for, it is unlikely that you are going to get very far when you ask for it. The lender, whether you are speaking to a bank, an investor, or anyone else, will want to understand just what their money is going to be used for because in that way they can determine whether it is a safe investment or not.

Think carefully about what you intend to do with the money and how you can show that this investment is exactly that – an investment. Perhaps you need a specific piece of equipment such as an oil and water separator that you simply cannot run your business without, or maybe you need to buy a vehicle to help you deliver your products and services and build your customer base. There are many reasons and knowing yours is essential.

Prepare Your Business Plan

Although it is good to know what you want this specific business loan to pay for, that will not be enough to entirely convince a lender. You will also need to have a thorough business plan in place. This is a document that explains exactly how you intend to run your business, what you need to buy, what you plan to spend, how you are going to grow, and so on. Essentially, you need to write down the path you are going to follow to get to your end result, whatever that might be.

This will show the lender that you are serious about what you are doing, and that there is a viable business there. They need to know that you can pay back the loan, otherwise they are unlikely to lend you the money, especially if you are asking for a large amount.

Compare Loans

Once you are ready to apply for a business loan, do not just find the first lender you can and make an application. You only really have one or two chances, so you will need to ensure that you choose well – the more you apply for loans, the worse your credit can become which makes your chances of being accepted much lower.

Take some time to compare the various different business loans that are open to you, and only apply to those that really make sense. Look for low rates or good guarantees. Also, only ever apply for one loan at a time, as this will help your chances.

The post How To Apply For a Business Loan appeared first on Today News Spot.

Running an optometry practice is something that requires a lot of careful thought. Patients come to you with concern and anxiety about their eyes – from minor issues to potentially major ones like cataracts. Therefore, patients understandably want to experience a professional, relaxing appointment with you.

Through providing an excellent client experience, you will grow and maintain a healthy optometry practice – gaining a positive reputation within the industry.

Here are some useful tips for how you and your wonderful staff can run your practice professionally and efficiently.

Use the best devices for eye examinations

Optometrists are experts in eye exams – it is what you are trained to do. However, you are only as good as the equipment at your disposal. To be a consummate professional, you need to be using the best equipment available for optometrists – particularly your vision screener. Depisteo are expert providers of medical equipment for optometrists – make sure to visit them.

Focus on your office design

When it comes to health-related appointments, clients are often a tad nervous – and this is likely to be even more true in the post-COVID world. If your optometrist office is uninviting and cold, then this is not going to help. Clients want to feel welcome – not like they are in a science laboratory.  

It is important to look at your office design and make improvements where necessary. Here is what you should focus on:

• Warm colors
• Include some light-hearted artwork on the walls
• Frame positive reviews so that patients can see them

Give clients the opportunity to schedule appointments online

The communication methods between health professionals and clients are drastically changing. Now, phone and in-person bookings are becoming less popular as digital appointments take over. After all, it is what modern clients want. They would much rather have the convenience of grabbing their phone, opening your app or website, and choosing an available appointment time – rather than calling your reception only to be left on hold for an hour and then told there are no appointments available.

So, if you do not already offer an online booking service, you need to. Consider working with an app or website developer who will be able to create an online booking system for you – and do not worry, you will not have to break the bank for it either.  After the numerous lockdowns over the past year, where eye strain and fatigue has increased, it is likely you will notice a growth in appointment requests – so it is recommended you explore this avenue as soon as possible.

Instill values in your team

Your optometry practice team are beyond important – they are key to your daily operations and are the face of the practice. Therefore, they must have your values instilled in them so that they represent your business accordingly.

Friendliness, warmth, and putting the client above everything are 3 important values within the optometry industry.

From the reception area to when they walk into your office, clients need to experience these values. Make sure to greet them with a smile, address them by name, and provide immaculate service to them. Even the little things, like offering a glass of water or other beverage in the waiting area, go a long way and help to demonstrate your values as a practice.

The post Tips for Running an Optometry Practice (Business Advice for Optometrists) (2021) appeared first on Today News Spot.

Email used to be the primary, inexpensive promotional method in digital marketing. Companies and many courses touted how “the money is in the list” to sell their courses. And then, a few years later, other marketing options came to the fore and email fell out of favour. Business owners should ask themselves whether the time has come to give email promotion another look. So, let’s do just that. 

Does the List Still Have Power?

Actually, we’d say surprisingly that it does. The reality is that everyone’s inboxes aren’t overly full of unwanted emails now. Due to marketers looking at other choices – even direct mail once again — there’s a bit of a resurgence in the value of email beyond transactional ones from companies that have just sold something. So, don’t lose faith with email, because there are renewed opportunities with one of the oldest forms of marketing online. 

Does Promoting an Email Newsletter Make Sense?

What’s needed is tying together topics of current interest to visitors to the site. This will be a good match for those people who subscribed using an opt-in form on the home page or deeper into the site. There should be a balance found between outright promotion to drum up sales and providing useful content without trying to sell anything. Subscribers quickly tire of endless promotions, so newsletters need to find a balance of value versus marketing to avoid too many unsubscribing. 

Should You Purchase an Email List?

To get value from it, it needs to be one that has been vetted with the emails verified. People change their email address surprisingly often, so lists can go stale. A poor deliverability rating won’t be a good thing. Choosing a vetted list of likely customers in your country is valuable. If you restrict sales to your domestic country only and not further afield, the list should reflect that. For instance, Lead Lists offer email lists for the Australian market, so companies in this country will find potential customers far more interested in receiving email. 

The lists are usually vetted, which will help with deliverability. Also, they can be tailored to better match the demographic you’re after. Again, this increases their value because emails need to catch the receiver’s interest to be helpful. 

Should Lists Be Merged or Kept Separate?

We’d suggest keeping any purchased email lists separate from one another, as well as from email subscribers opting in through the website. By doing so, it’s possible to review the email open rate and sales effectiveness of different lists. Both purchased lists and people freely subscribing can be reviewed to determine their relative ROIs for the cost of acquiring new customers. 

How Often Should People Be Contacted?

Contacting subscribers regularly is useful to stay in touch. Otherwise, they may unsubscribe if they believe it to be a random email. On the other hand, avoid overdoing it. Most people are pretty busy and won’t be receptive to overly frequent email delivery. Find the right balance based on subscribers’ feedback.

Email lists are more valuable than ever. While social media gets plenty of attention, no one has abandoned their inbox. It’s still a reliable, cheap way to keep in touch with people while using long-form communication.

The post Are Email Lists Worth Buying in 2021? appeared first on Today News Spot.

Clear aligners have been around for a while now and more people are aware of their existence. They might seem like a dream come true for many people who have alignment issues but don’t want to deal with traditional braces. In many cases, clear aligners can work perfectly and give you the results you’re after. However, they are significantly different to other treatments and might not work for everyone. There are also things you need to be aware of to make sure that they’re the right choice for you. Here are some of the pros and cons of clear aligners.

Pro – Easier Maintenance

One of the biggest benefits of clear aligners is that they are much easier to clean. Brushing your teeth with braces can be a hassle, and it’s tough to get everything out, which is why you hear so many horror stories of children who neglected their teeth while wearing braces. This can lead to things like swollen gums, cavities, and permanent marks on teeth.

With clear aligners, there is nowhere for food to go. However, it doesn’t mean that they don’t require maintenance; they need to be taken off after each meal so you can brush your teeth, and they have to be put back in straight after. This means that you may have to brush your teeth in the middle of a crowded restaurant’s bathroom, but that’s a small inconvenience compared to what you’d have to deal with when it comes to traditional braces.

Con – Not for All Conditions

Clear aligners don’t work for everybody. If you have severe misalignment or a structural issue with your jaw, then there’s nothing that clear aligners will be able to do. We would also suggest that you work with a skilled specialist instead of a mail-in service to know if you’re truly eligible. If you’re looking for one and want to know more about clear aligners, we suggest you check out the following link: www.dentessential.com.au/treatments/orthodontics-guide/clearcorrect-aligners/

Pro – No Food Restrictions

You might have heard that people who wear braces can’t eat popcorn, but it’s not limited to just that. Any fibrous food should be avoided when wearing braces, which includes seemingly innocuous foods like celery. You might not be able to eat hard or chewy candy, or even things like nuts. If you want to be able to enjoy all foods, then go for clear aligners. Again, there is no place for food particles to get stuck anywhere and you won’t have to deal with the discomfort that things like ice and cold drinks can cause for people who wear metallic braces.

Con – Changing Food Habits

However, while there are no foods that are off-limits per se, you might have to modify your eating habits when wearing clear braces. It is recommended that you remove them when drinking or eating, which means that you may find yourself taking them off and brushing your teeth more often than you’d like. So, you will either have to brush your teeth multiple times per day or stop snacking.

These are some of the benefits and disadvantages of clear aligners that you should be aware of. Make sure that you speak with a specialist today if you have more questions and look at the options available.

The post The Pros and Cons of Clear Aligners appeared first on Today News Spot.

Housing finance is undoubtedly one of the most popular borrowing options for potential homebuyers. This is primarily due to the extended repayment tenor they offer, and their popularity is fuelled by the current decrease in interest rates and property prices. However, financial institutions reject several loan applications too. 

This is because a majority of new applicants fail to adhere to the specified requirements for qualification. If you are a first-time homebuyer seeking external financing, here is a discourse on the home loan procedure in India to help you make an effective application.

Home loan application procedure

Potential borrowers can follow the given steps to apply for a home loan online.

Step 1: Go to the official website of your choice of lender and navigate to the page displaying the online home loan application form.

Step 2: Fill in this online form with required information like your name, employment type, financial and contact details.

Step 3: After getting your pre-approved offer, decide on a suitable loan amount using a home loan calculator. 

Step 4: Place a request for the same amount by submitting property details. 

Step 5: Complete your application by uploading scanned copies of mandatory documents. Also, make the required security payment.

Upon application, the lending institution will conduct a property appraisal procedure. This includes evaluation of property ownership, size, location, house construction progress, and maintenance. Additionally, lending representatives will also scrutinise submitted documents and your eligibility before sanctioning the home loan.

Eligibility and documentation parameters to qualify for housing finance

Applicants must check if they match the following eligibility parameters to ensure a successful home loan procedure in India.

• Employment status: Applicants must be salaried employees or own a business.
• CIBIl score: Must not be below 750.
• Age: Applicants should be aged between 23 to 70 years.
• Net income: Must be following lender-specific criteria.
• Experience: Salaried individuals must be associated with their present employer for minimum 3 years. Self-employed individuals must own a business with at least 5 years of vintage.

In addition to these eligibility requirements, lending institutions mandate submitting the following documents to complete a home loan procedure in India.

• ID proof, including KYC documents.
• Proof of residence, including any one KYC document, utility bills, and lease agreement.
• Latest passport-sized photographs.
• Property ownership proof.
• Income proof, including salary slips for salaried individuals and audited balance sheet for business owners.
• Other financial documents like bank statements, ITR documents, etc.

Besides meeting all the above eligibility and documentation requirements, first-time borrowers must also keep a few other factors in mind before borrowing a housing loan.

Things to consider before getting a housing loan

Here are a few things to keep in mind before going ahead with the application procedure.

1. Scrutinise your exact loan requirement 

Most borrowers tend to opt for the longest available tenor to reduce EMI burden. Practise borrowing only the required amount and opt for the shortest tenor you are comfortable repaying the sum in. This might increase your home loan EMI but will enhance your interest savings in the end.

2. Compare different lender policies

Always compare the different housing loan interest rate and other policies of various loan providers to pick the one offering the best benefits.

3. Ask about any additional charges

Most creditors levy processing charges constituting up to 3% of the principal amount to finance an effective home loan procedure in India. However, borrowers should always clarify with their lender about the presence of other hidden charges.

Also, look out for your lending institution’s foreclosure terms and pre-payment charges, if any. Check for additional facilities like the convenience of switching between fixed and floating interest rates.

The post All About the Home Loan Procedure in India for First-Time Borrowers appeared first on Today News Spot.

Any successful business is mounted on the advertising tricks and techniques it has up its sleeve. No matter how good the product is, it needs to be promoted with all the qualities that make it unique as in, it needs to speak for itself to attract an audience. This publicity is ultimately achieved by providing information on the packaging; allowing better interaction with the audience, engaging them with the specific details that the product contains that might be suitable for their individual needs. The more personalized the product packaging is, the more likely it is to be appealing to its target audience.

Representing your brand:

The quality of soap boxes represents your brand just as much as the soap itself and is, therefore, equally important. Since there is a wide range of soaps manufactured in the industry ranging from common soaps, bath soaps, beauty soaps to luxury soaps, the packaging is a representation of what kind of brand you own and what your area of specialty is.

For example, hard cardboard boxes are an emblem of luxury soaps and attract customers looking to gift soaps with particular scents and special ingredients to their loved ones. Therefore, a brand concentrating on the production of luxury soaps can use custom-made hard cardboard boxes to increase its sales by letting people know what kind of soaps the brand makes embodied by its custom-made packaging.

How do custom printed boxes become a symbol of the brand?

The answer to this, although very simple, links to creativity and illustration. The more you personalize your custom boxes wholesale, the more information you can print about your brand and product, providing people with exactly what they are looking for and what kind of soaps they reckon suitable for themselves while roaming around the isles of a supermarket. Custom printing comes in handy when you want to give exclusive information about the items that the products contain, like specifying which ingredient might cause allergies or which one is beneficial for curing acne or a rash.

You can also print the benefits the soap might have over skin types and different problems people encounter relative to the skin, the more your customer is aware of what the product contains, the more confident he or she will be when making a purchase. This helps comply with customer psychology, if your product description is engaging, the audience will be bound to find out the results.

Customer attraction with flashy packaging:

The human eye is immediately attracted to bright colors and flashy combinations. A flamboyant, eye-catching soapbox is more likely to grasp a customer’s attention and compel him to learn more about the product. Specific color codes can become an icon of your brand, promoting it everywhere, every time the involved color scheme is seen. Similarly, captivating logos can be made which will become the identification of your brand, helping with promotions and advertisements, even with few words said in the description. These aspects create hype, and that’s a key factor involved in the promotion of any brand.

Being distinct from the mainstream:

With industrialization sky-rocketing in a frenzy, there is a broader than ever spectrum of products available to people to choose from. In this whirlpool of rapid progress and versatile products, offering the audience something different becomes a complex task. The advantage of custom printed soap boxes is that you can get creative and pour in ideas to make your brand stand out. People look for products that have something new and exciting to offer, something different from the monotonous mound of the same kind of things they have been using for years.

You can customize your soapboxes and make them different from the other brands, making your packaging unique to your brand, promoting it with the same picture of your brand that you have painted in your head. It’s like these soapboxes are your canvas and you can paint them with every idea in your mind that you want the world to see!

How customized boxes increase reach:

When you add detail to something when you add color, description, intricacy, and personalization to a product, you make it yours; you give it an identity of its own. But the point where it gets tricky is the packaging and nothing can be sold without a box and the question arises, how will the customers get to know about the soap if they don’t get past the box first? Your soap could be the best in the world but if the presentation ideas aren’t good enough, it won’t gain as much value in the market as it deserves.

Personalization marks your territory:

When your soapboxes are custom printed, they will claim the customer’s attention within a fraction of a second. Your logos and color-coding will oblige him to look further into the brand and research it. The more the customer learns about the brand, the more he will purchase the item, possibly recommending it to other people around him, increasing the reach of the brand.

A wide variety of boxes to choose from:

Customization is made easy because there are so many options to choose from to represent your brand. In the case of soapboxes, different kinds of soaps come to identify with different kinds of boxes. Cardboard boxes, Kraft boxes, hinged boxes, and sleeve boxes are all used for specific types of soaps like herbal, bath, beauty, or luxury.

An ambassador of the brand for audience temptation:

It will be clever to call custom boxes an ambassador of the brand because everything you envision your brand to be can be visualized on the packaging, making it a representative or ambassador of your brand. Since soaps are categorized so vividly, it is useful to classify their boxes as well. Custom printed soap boxes are definite to promote the brand through the character incorporated into them and individuality associated with the brand. The packaging chosen will also determine the preservation of the soap.

The post How helpful are Custom Printed Soap Boxes for the Promotion of Brand? appeared first on Today News Spot.

Office Relocation is quite an extensive task. However, the amount of input required could vary from minimal to adverse. Nevertheless, there is one way out of this hurdle, a checklist. Failing to plan is planning to fail. The case is not an exception in this work scenario. It would help if you had some form of guidance that will help you undertake all the tasks. The preparation might take a few weeks or days before the big day. A checklist plays a huge role in shedding more light on all the minor and major aspects. The factors that seem insignificant are the ones that might brew problems for you. In the list, you need to highlight every item and steps to help you handle them. Below is a sample that you can use.

Preliminaries

Once you get the final say about moving, you should consider evaluating your lease a few months before the moving day. However, the type of lease agreements you have will dictate some of the actions you must take. If you are leaving before the lease ends, you might lose some of your deposited money. Check if there are any broken items or damages within the building. As a tenant, you are responsible for any problems that might occur while staying on the premises. It is safer to have all the finer details. Otherwise, you will get slapped with a repair and maintenance bill later. Once this is ready, delegate tasks to different people. The moving process involves other activities like packing and labeling. Assign the various functions to efficient members of your team. At this stage, you can also decide to use some professional help.

Moving comes with a lot of risks and starting a moving company business also do. Whether you are doing it yourself or using a mover, you must invest in a comprehensive insurance cover. It shields you from any costs in case an accident occurs to the property. Purchase it prior and thoroughly consult on the extent of protection that you will get. Moving expenses vary widely. Most movers arrive at a quote after assessing the distance to get covered and also the number of office items at hand. Evaluate different moving companies and check if they are new or experienced in moving business, and request their quotes. A budget will come in handy to guide you further. You need to work with a company that is within your means. However, this does not mean that you overlook the quality of services offered. Once you spot the best, draft the convenient timing and get ready.

Communication

One of the reasons why office relocations become a mess is miscommunication. Unlike a house where it’s just your family, the office set up can have more than a hundred people. You need to develop an effective communication strategy that will keep everyone in the know about your plans. Sending a mail or memo can help in this course. In the message, indicate what role everyone would be doing. Highlight the specific timing and tasks that each of them must undertake before, during, and after the moving day. Talk to relevant third parties. These include the movers, landlord, telephone provider, water company, food services, and stationery companies, among other service providers you had hired. Lastly, talk to partners, clients, and any financial institutions. Inform them of the change of location and send them your new address.

Technology

The operations of any business are all dependant on the kind of technology used at hand. It is the most vital item of all of them in the office. The systems are what host the data that makes up any company. When you decide to move, you need to look for a way to help you get back to work once you are settled. The tech part of your office should be on its toes during this period. They must back up all the essential information. Although it will mean that you will not be operational at this period, you’d rather be safe than sorry. Once the data is secure, let them check all the equipment, including computers, monitors, and printers, among others. All the cables must be stored away safely but, in a place, where you can retrieve and pair them promptly. Labeling is crucial at this stage. Before relocating, strategize on a new plan for your new office. Where would everything go? The last thing you want is boxes piled up with no clear direction of placement.

Moving

The bid day is finally here. If you adhered to the steps above, everything would fall in place. Have your emergency number on speed dial in case of a mishappening. Factor in a small budget for refreshments or lunch as the work is rather involving. It would help if you kept everyone motivated during the work. Check that all items move to the truck and the old office is empty. Take photos or videos before leaving.

With such a checklist, you ensure a smooth transitioning from the old to the new office location.

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Online fraud is a common practice undertaken by scammers or hackers who use electronic or internet mediums to deceive users and steal their personal and confidential information. With the growth of e-commerce websites, internet banking, online transactions etc., an individual’s financial details like credit or debit card number, OTPs and others are at an all-time high risk of being stolen. According to reports published in Hindustan Times, India has witnessed a loss of about Rs.615.39 crore through 1.17 lakh in the ten years preceding 2020, in online banking fraud cases.

Therefore it is very crucial for everyone to learn about these online duplicities so that they can remain aware and adopt adequate measures of fraud protection.

Why is online fraud taking place?

Several reasons have contributed to the growth of online frauds in the country, like:

• Lack of proper prosecution in such cases.
• Fraudster creates multiple accounts and hence makes it difficult to detect them.
• Stealing online data and information has become easy and less time-consuming.

How does online fraud take place?

There are several types of internet fraud techniques that are used by hackers to get hold of confidential details like:

• Phishing

This is the most common technique utilise to carry out internet scams. With this technique, fraudsters send emails or other forms of electronic communications designed in a manner that they appear to have been sent from authentic business organisations. This convinces the recipient to share details about credit cards, debit cards, UPI, etc. 

In order to prevent the financial liabilities arising out of a fraud like this, a card protection plan like Wallet Care extended under Bajaj Finserv Pocket Insurance & Subscriptions can prove to be extremely beneficial. It offers financial coverage in case of any fraudulent transaction and also allows blocking all payment cards with just one phone call.

• Online shopping frauds

The trend of online shopping has witnessed an immense upscale in recent times. Often fraudsters set up fake shopping websites to steal details about credit or debit cards. These websites display products at very cheap rates and do not generally have a cash on delivery option. Once the orders are placed, fraudsters either deliver fake products or do not send any product at all.

• Identity theft

Fraudsters often steal your identity details from various sources and use them to conduct different types of internet banking frauds, like applying for loans or credit cards with financial institutions. The entire liability of repayment is borne by the victim, leading them to incur substantial financial losses. To avoid such unauthorised transactions and maximise financial protection, a cyber security cover will prove immensely helpful.

Credit card reward point fraud

Several online frauds also take place in the name of credit card reward points. Fraudsters connect with credit card holders pretending to be from a respective card issuing company and convince them to share confidential details like card number and OTP to offer the redeemed benefits. To enforce protection against these types of activities, it is important to avail a fraudulent charges cover that will offer financial protection against any unauthorised transaction made with your credit card.

Apart from the above mentioned techniques, there are several other methods like spoofing, pharming, form jacking, etc., which are used by scammers to carry out illegal activities. These make availing the right fraud prevention plan extremely important.

The post What Is Online Fraud? How And Why Does Online Fraud Take Place? appeared first on Today News Spot.

The Marketing resource management market is developing and expanding at a significant pace. The marketing resource management is mainly a technology which is utilized to effectively handle individuals, related technology and operations, which includes production, planning and design of the marketing process. By using the functions, marketing departments can plan their budgets, specify the expenses and period closeouts.

Field workforce management solutions offer a mix of products and services which provide seamless interconnect between all the workforce management points such as time and attendance management, absence management, workforce scheduling, analytics, performance management, desktop and process analytics, and others. These solutions can either be integrated within one complete product offering or be opted as per requirement, making the implementation flexible for organizations.

The marketing resource management market is primarily driven to the rising demand of marketing integration with various systems that have paved the way for technological firms to provide marketing resource management applications in combination with project management as well as capacity planning. Even the rising diversity in delivery channels has fielded growth. However, the absence of application has negatively impacted the development of the marketing resource management market, considering the global scenario.

Regional Analysis:

The regional analysis of Global Marketing Resource Management Market is considered for the key regions such as Asia Pacific, North America, Europe, Latin America and Rest of the world. North America is the fastest-growing region across the world in terms of market share. Whereas, owing to the countries such as China, Japan and India, the Asia Pacific region is anticipated to be the dominating region over the forecast period 2018-2025.

North America is expected to be the largest workforce management market during the forecast period. The market in this region has been further categorized into the US, Canada, and Mexico. In 2019, the US-dominated the workforce management market, followed by Canada and Mexico. Rapid advances in digital technologies and the presence of early adopters in the region are some of the factors driving the growth of the market. Moreover, increasing mobile penetration and adoption of cloud across organizations are also some of the factors responsible for the development of the market. Asia-Pacific is expected to have the highest CAGR during the forecast period, 2020-2026. This means that the region has immense opportunities in terms of revenue growth. This is because more and more enterprises are looking for automating their workforce management process, therefore creating more demand for workforce management solutions in the region.

Impact of COVID-19:

The COVID-19 outbreak is causing widespread concern and economic hardships for consumers and business communities across the globe. As the governments make significant interventions in response to the pandemic, businesses are rapidly adjusting to the changing needs of their employees, customers, and suppliers, while navigating the financial and operational challenges.

Throughout January and February, a majority of the companies continued their business operations on-premises. However, March saw the industry take strict action to promote work from home, in sync with government advisories, to keep the working personnel safe, thereby accelerating the adoption of the remote working culture.

The outbreak of the pandemic has caused a slowdown in the business, which might lead to recession and reduced IT spending. Furthermore, it also caused many of the locations to close down their doors leading to an increase in the national unemployment rate. According to the US Bureau of Labor and Statistics, the increase in the unemployment rate during the COVID-19 pandemic is the most massive over-the-month increase in the rate since January 1975.

For businesses that are still operating, there is plenty of stress as they are coping with difficult situations such as:

• Operating from remote locations
• Confirmation of business continuity and employee productivity
• Protection of front-line employees who may still need to come into the workplace.

The small and medium-sized enterprises and the non-IT companies in India are some of the most affected during the pandemic due to the lack of knowledge and awareness related to collaboration and communication tools.

Coping with the situation:

Workforce management solutions and services are expected to gain opportunities from the remote workforce as the organizations strive to keep track of employee productivity and business performance. During periods of remote working, workforce management solutions help enterprise management and HR to track and optimize the productivity of the employees and maximize employee performance. Furthermore, it helps in forecasting employee requirements, creating and managing the work schedules, and analyzing performance.

The solution collects real-time data about employee performance, manages the company’s resources from a remote location, helps in carrying out employee training, recruitment, management, and scheduling, and analyses and forecasts the productivity and business outcomes.

The ongoing spread and reaction to the COVID-19 virus in various countries across Europe, North America, and Asia-Pacific are expected to cause a delay in the economic restart. However, the interest in workforce management solutions is expected to increase as a few corporate giants are planning to continue this work from home trend even after the effects of the COVID-19 pandemic have reduced.

Growth and Forecast:

The high demand for automation across different sectors is propelling the adoption of workforce management solutions. This is expected to cause the global workforce management market to thrive at a 10.8% CAGR during the assessment period.

Workforce management systems offer valuable insights into employees’ performance. Rapid industrialization is creating numerous job opportunities. Hence, the expansion of the workforce base requires a useful management tool. It is due to which workforce management systems are experiencing a high rate of adoption across different verticals. Thus, the global workforce management market is expected to witness a sharp rise in its valuation in the years to come. Additionally, the growing number of startups and the adoption of workforce management systems across SMEs is also likely to spur its market growth.

The Workforce Management Software Market was valued at USD 2.4 Billion in 2018 and is projected to reach USD 3.18 Billion by 2026, growing at a CAGR of 3.1% from 2019 to 2026.Read More: Field Force management Software

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Finding oneself in need for Rs. 5 lakh loan is a common phenomenon these days. Many banks and other lending institutions are relatively more flexible now in offering loans than they were previously. However, getting the asked for amount instantly is not what every bank will offer you. In fact, most of them do not. For this, you will have to apply for an instant cash loan. Through the option of instant cash loan, you can get help quite easily and quickly.

However, whether you should go for the traditional method of loan or for an instant cash loan is a matter worth considering. So, before you apply for a loan, here are five things you must keep in mind-

The Approval Period

Many banks take longer than a week for the loan amount to be processed and approved. Only then will the amount be transferred to your bank account. With instant cash loan, however, you can get a Rs 5 lakh loan or even more approved within a day only. The amount, too, will be transferred to you as soon as your application process is completed.

So, if you are looking for funds immediately, an instant cash loan is a great option. The benefit of instant cash loan is whether the situation is urgent or not, you will get the loan amount much faster.

Credit Score

Credit score refers to your creditworthiness in numerical values. The higher your credit score is the higher creditworthiness you hold in the eyes of the lender. On the basis of your credit report, the lender can decide whether he can trust you with the loan amount or not.

The credit score is the entire summation of your credit history up to the present. A bad credit score will lower your chances of getting a loan approved. Even if you manage to get a lender, he will provide the loan at a higher interest rate which, if not paid on time, will further damage your credit score.

Your credit report is a determining factor to decide whether you will get a loan or not. 

A credit score of anywhere above 700 is considered good. But if you do not have the requisite numbers, there are still options to get the loan, just apply for Rs. 5 lakh loan with a low credit score!

Eligibility And Documentation

For an amount as high as Rs 5 lakh, eligibility criteria are not lenient. Your credit score, age, salary etc play quite an important part. If you do not live up to the expectations of your lender there is no chance of you getting a loan. All the requisite documents will be asked for while applying for the loan. The paperwork will be quite a lengthy and tedious process and if they are not up to the mark your efforts will go in vain.

It is, therefore, important to find lenders who are not strict on the point of eligibility. One sure way of finding them is to look for instant cash loans rather than applying in a bank. The eligibility criteria are quite simple even for a Rs 5 lakh loan. Moreover, the documentation process involved in an instant cash loan is next to nil. So, this will make the overall process of application highly effective and efficient.

Loan Tenure

How much time you are being given to repay a loan is also an important thing to consider. You should always look for a lender who provides a flexible payment tenure. You can trust a lender if he gives you a repayment period as long as 36 months. Once you are in a position to choose between different payment tenures you can easily pick the one most suitable to you.

Depending on your salary or income, you can choose the EMI amount accordingly. An important thing to note about EMIs is that if you choose to go for the option of a high EMI amount, then you can pay the loan much quicker as well as with lower interest charges. On the other hand, if you have chosen a longer tenure, your EMI amount will be low but the accrued interest charges will be high. So, here too, you can choose which EMI payment option suits you best.

Accessibility

Ease of accessibility in getting a loan would be all too welcome. With banks, you often have to visit their branches for loan application. Instant cash loans, on the other hand, allow you the accessibility of their service right from a mobile app. So, you can just sit at your home without needing to go out anywhere and a Rs 5 lakh loan will be sanctioned to you as soon as possible.

All of these factors play an integral role in applying for a loan. Since it is quite likely that you will take a considerable period of time before repaying the loan amount, it is important that you access all the benefits and services you can get from your lender.

The post 5 Things To Consider Before Applying For A 5 Lakh Loan appeared first on Today News Spot.

No matter if you stay in a city or a village, the need of having personal transportation of some kind is of the utmost importance. While buying a four-wheeler might not be possible for everyone, wanting a two-wheeler is much more realistic. 

Although the COVID-19 pandemic is almost over, public transportation is still a major area of concern in most cities around India, thus increasing the need for personal transportation even more. If you are confused about how you can finance your two-wheeler and looking for options to do it right, this article is for you. 

In today’s article, we will share with you if it is a good option to purchase a two-wheeler on a personal loan. Let’s get started.

What Is a Personal Loan?

A personal loan in simple terms can be understood as a short term loan that allows you to meet any unforeseen or sudden financial needs. Unlike standard loans like vehicle loans and property loans that tie you to one spending purpose, the money from a personal loan can be used for any spending needs.

Features of a Personal Loan

Now that you know what a personal loan is, let us take a look at some of its most prominent features:

Ease of Access

One of the first and most important features of a personal loan is its ease of access. Thanks to the many lending companies in India, which specialize in rendering short term loans, getting a personal loan has now become easier than ever before. Along with this, most personal loan lenders have an online application process, thus making sure that you don’t need to worry about visiting an office or meeting with an agent to get your loan processed.

No Collateral Needed

While most lenders in the market ask for some form of collateral while processing your standard loan application, most personal loans do not need any form of collateral while applying. The reason behind this being, personal loan amounts are generally smaller in amount than other types of loans, and thus the exposure to loss for the lender is quite less even without collateral. 

Spend Your Money on Anything

Unlike other loans in the market which put restrictions on spending the loan amount, you can use the money from the personal loan to spend on anything, be it to buy a  two-wheeler or finance your credit card bill.

For example, if you take a property loan of 5 lakhs, you can only spend that amount on either building materials or on construction work, but on the other hand, when you take a personal loan of 5 lakhs, you do not need to inform the lender of where you will be spending the amount, thus essentially giving the choice of spending the amount at your own discretion and choice. 

Low-Interest Rates

Most standard loans in the market come with a very high rate of interest attached to them. For example, a two-wheeler loan from TVS credit comes with an interest rate between 8 to 10% per annum. While this number might look small in the beginning, when you start calculating, you will quickly realize that you will end up spending a higher amount than what you planned for. 

On the other hand, if you take out a loan from a personal loan lender like MoneyView, the interest rate on your loan amount will be the lowest in the market at 1.33%. 

Why Should You Buy a Two-Wheeler on a Personal Loan?

Now that you know of the various features of a personal loan, mentioned below are the top 8 reasons why you should purchase a two-wheeler on a personal loan. 

Complete On Road Price

No matter which two-wheeler finance company you choose, in most cases, you will get up to a maximum of 90 to 95% on-road price and not the full amount. This essentially means that even after you avail of finance, you will need to pay some amount from your pocket to finance your vehicle.

On the other hand, if you take out a personal loan, you will be able to finance the full on-road price of your vehicle and don’t need to spend even a single rupee from your pocket. 

No Need for a Downpayment

In lieu of the earlier point, when you take vehicle finance, in most cases you will need to make a down payment, which will be in the ballpark of 10 to 20%. On the other hand, when you take out a personal loan to finance your two-wheeler, you will not be spending any amount of money from your pocket for your down payment, as you will essentially purchase the vehicle at the complete price without any dues. 

Low Credit Score Is Embraced

Chances are that you are planning to buy your first vehicle right after you get into college or land your first job. At such a young age, you would probably not have a decent credit score given that you have not taken out any form of credit previously or have not applied for a credit card. But if you approach a vehicle financer, they will most certainly ask you for your credit score, and on witnessing that you don’t have a proper one, they will reject your application. 

On the other hand, if you approach a lender like Credy, which accepts applicants with low credit scores, you can get your loan amount without much hassle from your end. All you need to do is fulfill some of their criteria, such as employment history, employment status, etc., and you will be on your way to securing your loan amount. 

No Need for Hypothecation 

Not a lot of bike aspirants know this, but if you take out a two-wheeler loan for purchasing a new vehicle, your vehicle will be hypothecated meaning, there will be a record of your loan with the RTO. Until and unless you pay off the full loan amount of your vehicle, your hypothecation will not end, and once you complete the full payment, you will need to undergo a lengthy process with the RTO to get your NOC or No-Objection Certificate. Without having the NOC from your local RTO, you will not be able to take the vehicle out of state; neither take it on international trips making it a significant constraint.

On the other hand, if you take out a personal loan and purchase your two-wheeler, you won’t need to undergo the hypothecation process, as you will essentially own the vehicle from the very first day itself, thus saving you money and time from the very first day of ownership. 

Conclusion Purchasing a two-wheeler on your personal loan is not only a good option, but I would go on to say that it is the best option. Taking out a personal loan will give you all the freedom you want, with essentially a no strings attached commitment. So go ahead, apply for a personal loan, and purchase your dream two-wheeler today.

The post Is It a Good Option to Buy a Two-Wheeler With a Personal Loan? appeared first on Today News Spot.

Everyone reaches a point when they want to clear off their personal loan early. In order to save on the interest that you’re paying your lender, you can utilize the part payment process. We have compiled a list of ways for you to pay off the loan sooner than required. By following these steps, you are sure to pay off your personal loan effectively.

If you have a tight budget, it might be difficult to commit yourself to clear off the loan quickly. Every time you have some extra funds, put them aside to use for your personal loan. Before we start, if you’re yet to apply for a personal loan, remember to choose a comfortable EMI and tenure. Your EMI payments affect your CIBIL score. For future loans, it’s important that your CIBIL score is above the average rank.

When you have a loan, you have to pay a certain EMI amount every month without fail. This fixed amount gets deducted from your bank account directly. However, you can always choose to make a part payment to reduce the interest on your principal amount. Do this only if you are left with cash after setting aside your primary expenses like rent, medical, transportation, and other daily expenses. This method is sure to decrease your interest. For example, if you are expected to pay an EMI of 15,000 per month, pay 30,000 when you can. You don’t have to pay the minimum monthly amount. You may also choose to stick to the minimum EMI requirement of the month if your funds are tight.

Say you get a bonus or an incentive of some sort. You can choose to set aside this amount as a yearly part payment towards your loan. Any extra income by saving on some expense or an external perk can be used to pay off the loan faster. Some people set aside a fixed amount from their salaries especially to make an extra payment every year. Not all lenders give you these options. You can always talk to your lender if there is any fee or penalty for doing so. Many lenders like Money View, Bajaj Finserv among others provide their customers with a part payment option to reduce their burden. If you receive a fixed bonus of 50,000 every year, you can consider this to be a part payment of your loan. Planning is the key. When you plan your finances and stick to your budget, you’ll be able to achieve this much faster.

We highly recommend you to check the lender payment programs. Often, lenders provide you with options to pay off your loan quickly. Sometimes, these programs come with an additional fee.

If you have too many loans, and you’d like to reduce high-pressure financial commitments, we suggest you talk to an expert about debt consolidation loans. These personal loans help you pay off existing loans from various lenders at a higher interest rate.

You can also opt for a pre-qualified loan to avoid any impact on your credit score. The pre-qualified loan process is hassle-free and simple. Most loans today have an online, quick process that lets you upload your documents digitally without having to go to any bank or office.

Some lenders are flexible and provide you with a foreclosure option. This way, you can close the loan immediately without having any future EMIs. They might charge you a certain fee to process this. But, in the end, all you need to do is calculate if the interest you are paying for the future payments is higher than these preclosure charges. If you see a massive perk in foreclosing the loan, you can proceed with it.

For Example, if one sells an existing asset, he/she must first look to clear all the existing debts. When you are free of loans, you can set aside the same EMI amount as your savings for future emergencies.

Well, now you know how to close your existing personal loan quickly. To achieve this, you need to create a budget. Once you’ve taken the first step towards paying off your personal loan earlier, you must refrain from taking another loan or debt. First, clear off your existing debt before taking on a new financial commitment.

If you have existing student loans or a credit card debt, prioritize the one that needs to be paid off. You may have applied for a loan for various reasons. Though financial experts don’t recommend anyone to hold debts or loans, sometimes you may depend on such options to fulfill your need at that point in time. There’s no harm in holding a personal loan, but make sure you take smart steps to save on the interest rate. Financial freedom is essential to achieve your future goals and live a stress-free life. A personal loan is a long-term commitment, and the sooner you close it the better it is for you.

The post Effective Strategies to Pay off Your Personal Loan Earlier appeared first on Today News Spot.

The main thing that we need to understand what ED (Erectile Dysfunction) is. All things considered, it is only a medical problem that happens to a ton of men. All things considered, if a man is experiencing erectile dysfunction, it will be difficult for him to hold his erection during intimate time.

Well, there are different explanations why a man suffers from erectile dysfunction, and one of the important problems is age. There are a number of researches that show that when it comes to erectile dysfunction, age is a major factor. 

Your sensual organ’s activity will be better if you are young.

Well, it’s quite a common fact that your sexual life would be more satisfying if you are young. An enormous number of research and findings have shown that older men are more likely to develop ED. Besides, the number of old men suffering from ED is higher compared to young men.

The studies also note that sexual functions are classified as very good or good by most young men. On the other hand, just 10 percent of men of the age 80 have shared the same thing in terms of sexual functionality. And among young men, just 12 percent said they were suffering from problems.

Now, let us explore some details that will help us understand the link between age and erectile dysfunction. So, here are the facts that we are discussing. 

• Nearly 2% of males reported suffering from ED before the age of 40.
• Well, at least 4 percent of men report that when their age is between 40 and 49, they suffer from erectile dysfunction. 
• Now, 26 percent of men registered developing ED between the ages of 50 and 59. 
• Finally, 40 percent of men between the ages of 60 and 69 have confirmed that they are having the problem of erectile dysfunction.

There is a negligible risk that you will suffer from ED if you are leading a balanced lifestyle, without any chronic illness. If you workout for at least three hours a week, for example, you are 30 percent less likely to suffer from erectile dysfunction.

In addition, there are different behaviors that lead us to grow ED. Our chances of developing ED will decrease if we can get rid of those habits. Thus the some of the habits that we can get rid of are:

• Excessive TV viewing. 
• Gaining a lot of fat. To be exact, if someone is obese, relative to other men, he will experience erectile dysfunction faster. So, as soon as possible, you must stop eating fast food. 
• One of the important factors for the development of obesity is smoking.

There is hope, too, 

Well, we know age is a major factor in the development of obesity. However, since it is curable, you do not have to think about it. Perhaps you think that coping with this problem is very unavoidable. Trust us, however, when we say that it’s curable. And age is just a number when it comes to treatment.

There are different drugs that will help you get rid of these problems. For example, you can opt for a medicine called Penegra 100 mg  if you are suffering from ED. This is going to make you enjoy your Love life. In addition, it can play a major role in your ED care.

Erectile dysfunction therapy 

Now, we are going to discuss ED care. It will assist you to better understand the issue. And it will be easier for you to make the right decision for that reason. Therefore, it’s more about ED care here.

Testing 

If you want to diagnose this problem, there are some tests that you have to go through. 

Physical exam– Here, the testicles and penis will be closely examined. They will also, in addition, check the sensitivity of your nerves. 

Blood tests—Perhaps a blood sample would be submitted to the laboratory. They will look at different things, such as diabetes, heart failure, and low levels of testosterone.

Urine tests—This is also an essential test. They would do so to confirm the signs of diabetes and other complications, much like a blood test. 

Ultrasound examination– This will help doctors detect the low flow of your blood. 

Psychological tests– There will also be psychological examinations. Well, you have to realize that one of the main factors behind developing ED is mental illness.

Medicines 

Different oral drugs are available that can help you get rid of ED. However, it is the safest choice for you to get in touch with your doctor if you intend to opt for medication. They’re going to direct you best. So, here is a list of some of the medications that may be prescribed to you by physicians.

• Fildena
• Vidalista
• Tadacip 20 mg
• Avana
• Kamagra Gold 100

The efficacy of nitric oxide is improved by all four drugs we have described above. Today, one of the essential elements that are responsible for calming the muscles of the penis is nitric oxide. And that stimulates the supply of blood. So, you should understand that during the time of lovemaking, it plays a major role in penis erection.

Ok, one thing you need to keep in mind is that eating these pills alone will not give you an erection. The first thing that you have to do to get an erection is to go for sexual stimulation. It will trigger nitric oxide from your penile nerve, which will come out. These medicines will play a major role in amplifying the signal at that period.

So, these are the things you need to learn about ED and how your age plays a big role in it. We assure you that going through these points will help you understand, more specifically, ED and its relationship with age.

The post Is there any significance between ED and your age? appeared first on Today News Spot.

A financial emergency usually comes without any warning. And it often has a devastating effect on people’s physical and emotional well-being. 

With a loan against land property by your side, you do not need to worry anymore if a financial emergency ever blocks your way. As a loan against land property is a collateral-based loan, the eligibility criteria are relatively easier than other loans. However, despite being a collateral-based loan, lenders often require the borrower’s income proof to evaluate their repayment capability. 

So, can you apply for a loan against property if you do not possess an income proof? The answer is a resounding ‘YES’.

Read on to discover the best ways to get a loan against land property without income proof. 

Apply For a Joint Loan Against Land Property

If you are worried about loan against property eligibility, consider applying with someone else. The co-applicant must have a stable source of income, though. There are two benefits of applying for a loan against land property with a co-applicant. First, it enables you to avail a higher loan amount. Second, it assures the lender that the chances of default are minimal.

Maintain a Healthy Savings Account 

A healthy savings account balance is one that can take care of your six-months’ expenses. When you apply for a loan against land property without income proof, the lender might analyse your savings account to find out your saving habits. If the lender feels satisfied that you have sufficient savings to repay the EMIs on time, they may approve the loan. 

Apply For a Lower Loan Amount or LTV

Generally, most Indian lenders approve a loan against land property for up to 60% of the property’s market value. However, if you want to increase the chances of loan approval, it is better to apply for a lower Loan-to-Value or LTV. You can also make more as downpayment than what the lender stipulates. A higher down payment speaks volume about your loan against property eligibility and makes loan approval smoother.

Have a High CIBIL Score

CIBIL score does not apply to you if you are a first-time borrower. However, if you availed a loan or used a credit card before, you have a credit profile. For borrowers with a high credit score, availing a loan against land property becomes easier. A high CIBIL score indicates that you take debt repayments seriously. Such an assurance can enable the lender to approve the loan. 

What Other Documents Do You Need to Fulfil Loan Against Property Eligibility?

Now that you know the best ways to avail a loan against land property without income proof, here is a list of the documents you need to submit along with the loan application form.    

• Latest passport-size photograph
• Age proof, such as PAN Card, Aadhar Card, birth certificate, etc.
• Address proof, such as Aadhar Card, Passport, etc.
• Identity proof, such as PAN Card
• Certificate of educational degree
• Six months’ bank account statement
• Processing fee cheque
• Property papers, including Title Deed, Tax Receipts, etc.

Conclusion

A loan against land property can provide you with quick money that you can use to pay hospital bills, construct a house, renovate your home or office, consolidate business debt, travel abroad, sponsor a wedding, and so on. Before applying for a loan against property, always enquire about the eligibility criteria and choose a lender who offers you the lowest interest rates.

The post Tips to Acquire Loan Against Property Without Income Proof appeared first on Today News Spot.

Funding big-ticket purchases or sizable expenses such as overseas education or home renovation can put a serious dent in your savings. In some cases, you may not be able to afford such an expenditure out of pocket. This is when you can consider alternate financing options like a loan against property. With a property loan or mortgage loan, you get access to an ample sanction that you can repay over a lengthy tenure. Such a financing option is quite effective when you’re looking to address priorities without breaking the bank. However, to ensure that your experience is favourable and affordable, you need to secure the best possible property loan interest rate.

To do this, the first step is to compare offerings by different lenders, be it banks or NBFCs, in the market. The mortgage loan interest rate is dependent on several factors, some linked to the applicant’s financial profile and others based on the lender’s internal policies. Of course, the property loan interest rate is also dependent on external policies of the RBI.

You can conduct a check on a third-party website and compare the interest rate offered by different lenders and choose the one which best suits your budget. Now, once you’ve narrowed down on a few options, you can consider approaching lenders to know their final offering. But, before you do, you should know that there are a few factors that affect the final property loan interest rate offered to you. Here’s a quick breakdown.

Type of property

Lenders assess the final property loan interest rate offered to you based on the type of property you pledge as collateral. Commercial and residential properties have different market values and so, the interest rate offered is also different. Moreover, the age and condition of the property may play a role in the final decision too.

Credit score

Your credit score is one of the most important factors of your financial profile. Lenders use it to assess your creditworthiness and this is why it is important to have a high credit score. Typically, meeting just the bare minimum of 650 to qualify for the loan will not get a favourable property loan interest rate. You may need a higher score of 750+ to negotiate with the lender to truly bag a good deal. Alternatively, having a low score will result in a higher interest rate mainly due to the fact that lenders perceive you as posing a higher risk.

Loan tenure

Choosing a longer tenure for LAP Loan translates to smaller EMIs, which lowers the risk of defaults. Although you should remember that a long tenure attracts more interest overall. However, if you choose a shorter tenure, lenders are likely to offer a higher rate of interest on account of the added risk.

Borrower’s financial profile

Your financial profile is another key factor lenders assess as it dictates whether or not you can keep up with payments. Here, a stable income, healthy savings and type of employment all factor into the final decision.

Remember, a low loan against property interest rate shouldn’t be the only criteria you go by. In some cases, you may end up paying fees and incur additional charges that could very easily turn a pocket-friendly option costly. Pick your lender wisely and only after accounting for all the other charges that come along with it.

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With the constantly changing freight rates and uncertain market conditions, a trader has to be active in cutting costs and channelizing his resources to make the most of his deals! This fluctuation leads to the prevalent notion that traders cannot earn a constant profit from the market. In such a scenario, the traders plan their freight shipments well ahead of time. And for doing so, the container index can be a helpful tool. But we already know about the types of containers, then what is this index for? Well, let us understand its meaning and have a loot at the recent trends.

Container Index: A Reflection of Demand Statistics 

The container prices and shipping freight rates keep changing constantly. During the peak season of the year, the demand for containers is high. But with a limited supply of containers and shipping vessels, the prices can rise thrice the regular rates. The container index delivers the frequent, updated and independent data of the container market. By following the latest trends and fluctuations in this index, one can easily assess the prevailing trading pattern. This assessment can help one plan his freight shipments actively without compromising with the quality of service.

Following the world shipping container indices, one can stay ahead in the business race.

The index is available in numerical, graphical and percentage values for a better understanding of the subject. Since the concerned authorities, shipping companies, and regulators keep publishing the market trends, it is not a tedious task to have a look at the recent data. This index may not be much familiar to the budding traders in the industry, but the experienced ones know its significance very well. All one has to do is observe the graph, comprehend the possible scenario and then plan his future shipments accordingly!

Meaning and Significance of Recent Container Index Highlights

The world container indices serve a lot more than mere data to the traders who know how to make the most of it! More than importers, it is crucial for the exporters to know about it well ahead of time. This pursuit will keep them ahead of their competitors in making business strategies.

• As the index is published on global websites offering open access to all the companies, individual entities and organisations, it brings transparency to the market mechanism. There is no passage through which a shipper can misuse his position by giving out the wrong data or information to the traders.
• The container index offers a detailed view of the weekly assessment of container freight rates and costs across different shipping lines, a record of all the historical price movements and a daily price estimation as well! The traders can use this information to assess the market conditions and plan their lined-up shipments by booking the container services.
• After assessing the index, the exporters can also use it to their advantage by setting the best future price in their export quotation or Proforma invoice. The better the price, the higher are the chances of an exporter to crack the deal!
• With the container indices, the traders get the opportunity to discover future price rates and master risk management. This facility was not available to them before publishing the index. All one has to do is learn how to assess the index properly with the right judgement.
• The importance of the container index is especially for those traders who are new in the industry and trying to expand their chain of supply by roping in importers across the world. By giving out the best prices without compromising with the profit margin, they can grow stronger in this arena.

The Recent Highlights of January 2021

• After the second week of January, the composite index has shown no major improvement or change.
• There has been a fall in the weekly indices of Shanghai-Rotterdam (-1%), New York-Rotterdam (-4%), Rotterdam-New York (-3%). Traders have not received any positive response from these routes.
• The Shanghai-New York route registered the highest rise of 6% in the index as per the weekly analysis. This route mostly observes rush and a shortage of containers. 
• Apart from these major shipping routes, the weekly report has not registered any change in the other major lines. For instance, Shanghai-Los Angeles, Rotterdam-Shanghai, Los Angeles – Shanghai and Shanghai-Genoa are the shipping lines with zero changes in the weekly index.

If one is not comfortable with the numerical and wants to observe the trend at a glance, graphical representations are also available on reliable websites. However, speaking of following the container index trends, one must always opt for a trustworthy source. A piece of wrong information can mislead a trade into making decisions that do not yield intended profits! Therefore, always pt for shipping blogs and news articles of well-known firms and companies in the business. Go through the trends and make the most of the available information by planning freight shipments ahead of time!

The post Recent Highlights in Container Index Trends and what they mean appeared first on Today News Spot.

The digital world has made it convenient for us to buy all kinds of insurance, including the best health insurance plan. A major advantage of buying health insurance online is that you get to the plans before you make a purchase. There are many benefits you get when you compare health insurance plans online at Turtlemint. However, you need to complete the task with precision to get the best results. Read on to know more.

What is meant by comparing health insurance online?

As we all know, there are numerous health insurance plans available from the various health insurance companies in India. The different plans have different features and hence are all priced differently. When you compare, you get to see the plans side by side. You get to compare their features as well as their rates. This allows you to easily and quickly find the most suitable and the best health insurance plan in just a few minutes. Thus, comparing health insurance is important and also a necessary step as it helps you to save money and also find the most appropriate medical insurance coverage.

How to compare health insurance accurately

As mentioned above, there are some procedures to compare properly. If you just run a random comparison, you may not find the desired results. Here are some handy tips for you:

• Know your requirements –
  The first, and perhaps the most crucial step, is for you to know and understand your own requirements. Health insurance needs aren’t universal and everyone has a different expectation from their health cover. You need to see how many family members you have, what kind of covers you need (maternity cover, diabetes cover, cancer cover, etc) and also assess who needs more health insurance and who needs less of it. Once you work out the health needs of your family, you will be able to find the most effective health plan that would support those specific needs.
  
• Finalise a budget –
  You cannot afford to have a health plan with an unrealistically large premium. This is why you need to make a budget and see how much you can spare towards your health costs every month. Compare the plans that are in your budget to find a suitable option. If your plan is too expensive, it may become difficult for you to pay the premiums on time, so be careful and select the correct plan at the correct price. 
  
• Find out about types of plans –
  As stated, everyone has different requirements for their health covers. Keeping this in mind, health insurance providers also design different types of plans. There are the usual family floater health plans, individual health plans, critical illness plans, cancer protection plans, etc. If you are looking for a specific type of plan, it is important for you to compare the plans in that specific category. For example, if you want a critical illness cover, you cannot compare the maternity insurance covers! So be very sure of what you are looking at and compare effectively.
  
• Select the correct tenure –
  Health insurance plans are available in durations of one year, two years and at times even three years. Get the perfect plan for the perfect tenure. Remember to compare properly as well. For example, if you want a short term (1 year) health plan, compare between the short term covers only. If you want a long term health plan, compare between the long term plans. Doing so will enable you to get a realistic picture between the prices and features of the type of plan you need and you can choose properly.
  
• Consider buying riders –
  Riders are add-on covers that help you to customise your plan. Consider getting riders with your basic health plan. Compare and get a suitable health insurance policy in your price range. Then, if you feel the cover is insufficient or you want to customise it a bit more, make use of the riders. Riders are available at an added cost, but they are very handy and allow you to have the best health insurance plan at a competitive price.

If you are aware and alert about the points mentioned above, you will be able to compare and save while buying the best health insurance plans.

In conclusion

As you can clearly see from the points mentioned above, comparing the best health insurance plans proves to be very beneficial for you. Thankfully, it is very easy to compare health insurance online and the process is free as well. Therefore, never buy health insurance without comparing your options first. When you compare you get an idea about all the available options and you can then make an unbiased and informed choice and get your hands on the very best health insurance plan that would keep you and your loved ones covered in a wholesome manner.

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An unwanted expense is always a problem if you do not have the money to tackle it. Whether it is of a huge amount or just a small one, it always comes as a not so present surprise. What matters is how we tackle that emergency to make the most out of it. While some decide to exhaust their savings, others borrow from their near and dear ones. The smartest, however, decide to take the small personal loan, keeping both their savings and personal ego intact. 

What is a small personal loan?

Also known as instant cash loan, a small personal loan is an unprotected or unsecured loan that you can use for your personal financial needs. They serve as a convenient way to deal with any financial emergency without touching your savings.

Why opt for a small personal loan?

Though the sanctioned amount in case of small personal loan is low, it has various features which can be helpful.

1. No collateral is required for getting the loan sanctioned.
2. Only a few documents are required with the loan application form, during the complete process. The documents required are”

• KYC documents, for example, driving license, Aadhaar card, and voter ID card
• Last 3 months’ salary slips (for salaried) or income proof (for self-employed)
• Last 6 months’ bank account statements of salary account (for salaried) or current account (for self-employed)

3. The very easy and straightforward verification process, thus great for financial emergencies.
4. The loan is disbursed in just 30 mins of document verification and loan approval.
5. Flexible Repayment option is available.

Reasons for taking a small personal loan?

A personal loan does not mention any specific reason to apply for small personal loans. Some of the common reasons are:

1. Wedding: To ensure that your wedding is a memorable day for you and your spouse, going a little extravagant is important. So one can use the loan amount for their wedding.
2. Education: Whether it is higher studies for yourself or your kids, personal loan takes care of that at the market-driven interest rate and flexible repayment tenure.
3. Exotic vacations: Vacations are the only option to get away from the mundane lifestyle. So make sure you are taking an exciting trip with your parents and friends and let your loan finance the entire vacation.
4. Hobbies: It is important to have a hobby to stay focussed in life. These days if you like photography or music, the tools required are expensive. So instead of delaying your hobby, take a personal loan and enjoy your hobby and develop your skills in your area of interest.

The eligibility criteria for a small personal loan

To get a small instant loan, the applicant must fulfil the following mentioned eligibility criteria.

1. The applicant must be an Indian Citizen.
2. The minimum age of the applicant should be 21 and the age of customer at the time of maturity must be below 65 years.
3. The applicant must either be self-employed or have a certain kind of income.

The eligibility can also be different for various lenders, but these are the basic points. Also one can use the personal loan eligibility tool to know whether you qualify for the loan or not.

How to apply for a personal loan?

If you follow the above criteria and would like to give a new start to your life then you can apply for the loan by visiting the lender’s website and filling in the application form with the necessary details. If you qualify for the loan, you will get a call from the customer executive for loan terms.

Conclusion

A personal loan is a great tool to sort all your financial troubles. However, make sure to know all the loan details before you apply for the loan.

The post How Does a Small Personal Loan Work? appeared first on Today News Spot.

2020 has been a great year for the gaming community. New reports suggested that the gaming industry has expanded considerably in the mid of 2020. Due to this, certain proficient streamers, and players have found their way to success in CSGO gaming. The game has gained even more followers on its way, and it has been more than 8 years ever since its launching in 2012. It won an award for the best eSports Game of the Year at the eSports Industry Awards in 2016. This year we have also seen the rise of csgo accounts purchases. Here we have gathered some of the best 5 players in CSGO worldwide.

1. Nicolai “dev1ce” Reedtz

This 24 year old player is the one who formed his professional team named Astralis. He turned down TSM over some contract disputes, and I guess, only he holds such capability to be able to do such a thing. Nicolai “dev1ce” Reedtz used his awe-inspiring skills as an AWP in order to attain the professional fame, and position together with his two close friends who’s also his teammates- Xyp9x and Dupreeh. His net worth is close to $1 million, and currently leading as the best worldwide. His first ever major title was the 2017s ELeague Major.

2. Christopher “GeT_RiGhT” Alesund

This Swedish guy is another greatest player in CSGO, and you can’t deny that fact! The oldest player in the csgo community-30 years of age- this didn’t stop him from creating records, and making a name in the history for himself.

He is known for his consecutive wins with a continuous streak of 87 games. Chris maintained his title of ‘King of CSGO’ for a rather long time, and won over 20 international titles, and dominated the top 8 charts in several tournaments. When players struggled with precision, and reaching on top, he used to lead the leaderboards in the primary days of the game. This made people recognise him as a champion, and people will keep considering him as a champion of CSGO’s triumphant days.

3. Richard “shox” Papillon

Shox is an international French player recognised in the VeryGames French eSports team. He is known for his smooth gameplay- how he makes domination seem so… simple! Those who have seen his gameplay from the earlier days, won’t question his competence. He was amongst the top players back then, as well.

He didn’t only bring himself on top, however took VeryGames from underdog level to world champions, in the year 2013- surpassing Ninjas in Pajamas, and became the best CSGO team in the worldwide

Soon after, he took his team titan to similar levels of fame, and amidst NiP, and Titan, he competed for a presenter of different teams. When he was dominating the top position, everyone feared his skills.

Read More: how to get prime csgo

4. Olof “olofmeister” Kajbjer

Olof, known as an all-rounder player that has ever played professionally in CSGO. Olof “Olofmeister” Kajbjer can ace any match given with any weapon. He mounted on top when he was signed by Fnatic, an Esports group, on their team in 2014. With his versatility, he outshined perfect moments in games, and tournaments in order to make sure his team is in for a long-term success.

His team was the first to win major titles more than once, in 2015; he earned almost $700,000 as prize winnings during his active career. Despite being injured, and fighting personal matters, he defeated his real life battles, as well like a champ- and whilst fighting his life battles he still managed to remain in the top 20 position in 2016-2017.

5. Marcelo “Coldzera” David

Michael “Coldzera” David is recognized as a legend in the CSGO community. He has been dominating the top position in the CSGO Leaderboards for years; he is known for his proficiency for which he bagged several tournaments and awards: eSports Player of the Year, and Pc Player of the Year in 2016, the same year CSGO won the Game of the Year Award.

Coldzera has been the recipient of an MVP or Player of the Year multiple times from many different groups and organizations and rose to stardom playing for Luminosity Gaming (He now plays for MIBR, or Made in Brazil, a team representing his Latin-American home country). The man takes home hundreds of thousands of dollars at a time, winning tournaments left and right, even as recently as fall of 2018. He has brought MIBR with him to record levels of Counter Strike success.

David received an MVP and Player of the Year countless times from various distinct groups, and associations. He climbed to fame after playing for Luminosity Gaming. Currently, he is playing for MIBR (Made in Brazil): a team representing its country. He brought numerous levels of success with him.

His best known skill is fragging; it made him quite a popular player in the competitive bets on the game. In 2016 he threw out 4 players along with the AWP leaving millions of fans stunned!

CSGO Accounts

If you want to be named alongside these legends one day, then you better take your csgo gaming seriously! There are numerous out there who sought after such glory in their hands; they purchase csgo accounts after csgo accounts so that they can refine their skills, and become the best! And, everyone who has played this game, or been playing this game at the moment gotten familiar with the fact that it isn’t easy becoming an Elite ranked player.

In order to reach the highest level one needs to kill more, than getting killed frequently- only then, you become an MVP. However, it is a hectic process, and a long road to cover during which you may lose countless ranks if you lose any competitive battles in CSGO. Csgo accounts help you boost your confidence, and if you believe that you deserve a high-tiered csgo account because you hold the best skills to beat the higher level players, then even better! The game allows you to fight against those who share the same skills as yours. This way you get more conviction to fight any higher level players. Also, you won’t face any hackers in the game after purchasing a prime account.

Hence, it is better to buy csgo prime accounts, so that you can endure smooth gameplay.

The post Top 5 players in Counter Strike Global Offensive appeared first on Today News Spot.

Creating and multiplying wealth requires a lot of financial discipline. You can grow your wealth systematically by investing in the commodities/stock markets. You can also opt for more conservative instruments like bonds/term deposits depending on your risk-return appetite.

In the last decade, India has witnessed the popularity of term deposits growing by leaps and bounds. Minimal risk coupled with stable returns make Fixed Deposits (FD) one of the safest investment avenues. Currently, Bajaj Finance FD rates are one of the best in the country.

Another type of deposit that enjoys equal popularity especially among the lower income group is the Recurring Deposit (RD). 

Let us now examine the differences between FD and RD.

Fixed Deposit Vs Recurring Deposit

1. Definition and Types

An FD is a type of deposit that locks your money for a stipulated period of time and earns a fixed rate of interest that is either reinvested or paid out monthly/quarterly/semi-annually/annually, depending on the interest payout frequency chosen by you. 

When interest income is reinvested and repaid along with the principal at maturity, it is known as a cumulative FD. When an FD pays out interest income at periodic intervals without compounding it, such an FD is known as a non-cumulative FD.

FDs are the best investment options for risk averse investors with lump sum amounts at their disposal.

A recurring deposit is a type of deposit that allows you to deposit a specified amount on a monthly basis for a minimum period of 6 months. 

Flexi RDs allow you to make monthly deposits in multiples of the chosen deposit amount. For example, if your minimum monthly installment amount is Rs 1000, you are free to deposit Rs 2000 or Rs 4000 etc in some months.

RDs are a good option for individuals in the small income bracket.

Bajaj Finance offers both cumulative and non-cumulative FDs. Their Systematic Deposit Plan is a variant of recurring deposit that allows you to make small deposits on a monthly basis.

2. Deposit Tenure

The minimum lock in period for FDs is 7 days and maximum is 10 years. The minimum deposit tenure for RDs is 6 months and maximum is 10 years.

3. Investor Default risk

An investor cannot default in depositing the principal amount of an FD as it is a single lump sum payment. Hence, FDs are sans default risk.

On the other hand, investors may default in making monthly deposit payments in an RD. The bank will foreclose the RD account if the investor defaults in paying monthly installments for 6 months continuously.

4. Interest rate and interest pay-out frequency.

The interest rates offered on RDs are usually lower than those on FDs for the same investment tenure.

Moreover, RDs do not have periodic interest payout options like FDs. Interest is paid along with principal only at maturity. 

An FD on the other hand enables you to receive interest income on a monthly/quarterly/semi-annual/annual basis. You can also opt for the interest compounding option and receive cumulative interest accrued along with principal amount on the date of maturity.

Bajaj Finance FD offers higher rates of return at 6.85% for senior citizens for a tenor of 5 years, coupled with a wide range of interest payout options.

5. Multi-deposit and partial withdrawal facility.

You can avail multi-deposit schemes which allow you to open multiple term deposits with the same institution. You can also withdraw a part of your FD amount to meet your liquidity needs. These facilities are not available for an RD.

Bajaj Finance FD offers multi-deposit facility along with other facilities like premature withdrawal and Loan Against Security.

Thus, Bajaj Finance term deposit schemes are recommended over traditional recurring deposits. 

In India, FDs and RDs are the most popular when it comes to stable investment schemes. You must examine their differences closely before choosing either one among them. RDs enable you to deposit a fixed amount every month that gains interest till your RD matures. On the other hand, you will have to invest a lump sum amount in an FD and the deposited amount gains interest throughout the tenor. Your investment grows at a fixed rate in both the cases but as only the first installment earns interest for the entire tenor in case of RDs, the returns of FDs are slightly better. To further improve your returns, you can invest in a high-paying and stable investment scheme like Bajaj Finance FD. It provides a flexible tenor and its multi-deposit facility can be used to invest in multiple FD schemes at once. It is also a stable investment scheme as top credit rating agencies have rated it highly for being a secure investment option.

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Nowadays, everyone knows that global warming is a serious problem. Also, we know that living in big cities requires an effective means of transportation. For tons of people that means having a car for their own. That helps to reduce the time spent on public transportation. As well, comfort increases when using an automobile.

If you’re the type of person that worries about the environment, you need to read this. You can make your car eco-friendly. No, no, we are not talking about purchasing a new hybrid car. By doing these simple yet effective tips, you will become greener.

• Get rid of extra weight

If you’re the type of person that has a lot of things in the trunk. Congratulations, this tip is for you! Sometimes because things are on the back of the car, we don’t mind them. Not seeing them is also a big factor for not taking them out. But if you want your vehicle to run more efficiently, then lose this extra weight.

Once a week, check the things you have in the trunk. If something is not necessary, then take it out. That way you will spend less fuel on your trips. As well, check the things that you have on the back seats.

• Say no to aggressive driving

A lot of people seem to drive like in “Fast and Furious” movies. But this is neither good for your car nor the environment.  If you like rapid acceleration, then you need to stop doing it. It’s proven that driving like that wastes more gas.

Maybe a reason for rapid acceleration is that you don’t go out with enough time. Next time use a chronometer, document the time that you take from your house to the places you frequently visit the most. That way you can take enough time to go out of your house.

• Try these methods to wash your car

With these tips for washing your car, you will be the queen/king of an eco-friendly car.

• Use a hose with a nozzle or a bucket.
• Collect rainwater for washing your automobile.
• Reuse the water you use to wash your clothes for washing the car.
• Buy ecologic shampoo for cars.

I know that they seem like something very obvious. But believe me, they can impact in a good way to the environment. Remember that wasting water is one of the main issues world-wide.

• Don’t use AC indiscriminately

Remember that using the AC wastes fuel. There are times that with the windows open and because of the car speed, you don’t need to use this feature of your car. First of all, try all the options to counteract the heat without it. Some of them are taking off your jacket, using lighter clothes, or lowering the windows.

Also, you can try with window tints. They reduce the sun’s heat, so it will be really helpful with this task.

• You don’t need your car for every trip

We know that going by car to every place is comfortable. But do you really need to use it all the time? There’re plenty of places that for sure are near your home, like local stores or maybe the house of a good friend. You can try to walk there. It will help you to stay healthy, and also, will help the world.

Maybe you don’t like walking a lot. Consider trying to take a ride on a bike. It’s funnier and you will arrive faster than walking. As well, you can use rollers or skateboard.

• Do you check your tyre pressure often?

This is an easy one. You just need to check the pressure of your tyres monthly. That way you will assure that they’re working effectively. How does that help the environment?

Well, it will boost your fuel economy, for sure.

If checking the tyre pressure task goes out of your mind every time, then put a reminder on your phone every month. Like that you will be certain of when you checked your tyres for the last time.

Conclusion

As now you know, easy actions can impact in a good way. Also, some of these tips will increase your health and your safety while driving. Are you ready to follow this and become a more environmentally friendly person? Also, try buying fuel with additives that will make it work better.

The post 6 Tips to Make Your Car Eco-friendly appeared first on Today News Spot.

If any confused regarding Android Application development company USA to make a wise selection between Android and iPhone application development. It Looks like Apple steals the show from both user and developer viewpoint. That requires excitement in your mind for discovering areas where apple beats Android. That must stimulate excitement in your mind for teach fields where Apple beats Android.

Better User Interface and User Experience

It can be undoubtedly asserted that changes are at the core of Apple, and they continually bring something innovative and improve user activity. This way, they beat Google too, as Google continues a search engine whereas Apple is a developer.

Updates

Every platform has its refreshed launch method. Talking about Android, its updates are open to a specific OS account, a minimum portion of a big image. Also, it is to be noted that Google cannot force any particular company to send updates. It is no excellent building Android accounts but rather outsourcing reference codes enabling them to perform it. Due to this design, various Android smartphones operate old versions of the software.

Both Android and iOS OS have several methods to modernize their system. Android updates only those devices that underpin the specific OS version, which usually covers a minute division of the more robust understanding. Also, Google cannot force another company such as Samsung or Lenovo to send an update since Google isn’t building the Android stories; instead, it is only delivering the source code to the other com.

Junk Apps

Numerous junk apps exist in Android phones, and they might put users’ classified data at risk. These statements are sensible of no use to users, but still, they exist. As a struggle to this, Apple users are safer as user’s data safety is given preference.

Strong Backup

The after-sales maintenance of Apple is robust. IPhone users can instantly get their problems resolved by comparing the most expected apple store. Indifference, Android users have to depend on their particular project care store to resolve the difficulty as its production handset changes. When a single organization is in the management of marketing everything, the support will be sufficient.

IMessage

Apple’s messaging feature IMessage is a fantastic innovation that allows users to transfer messages without requiring connecting any statement, which only operates with Apple machines. Google has launched related apps, particularly Hangout and Allo, but it has not surpassed iMessage’s reputation yet.

Security and Privacy

It is strange to users that Apple and Google both collect user data and have their separation policies to utilize them. Google made it almost difficult for learners to come with special applications and upload them to the app store.

Discussing app upload, which is usually done by Website Design and Development Company USA, Android apps are easy to upload on Play Store. Indifference, iOS apps support proper procedures ere they are approving for App Store. That states the high-security models of Apple.

That is an unhidden fact that both Apple and Google collect user data and ensure the absolute anonymity and assurance of before-mentioned information. But Google has made it almost impossible for any beginner to develop their application and easily upload the equivalent in the app stores.

Still, Apple is quite mighty towards uploading apps in the store. Again, Android conn.

Segmented Android Market

Based on OS accounts and tools, the Android business is generally segmented. These tools are typically used by members who are not ready to change to the latest device. The study reveals that less than 1% of Android users change to currently launched handsets. Furthermore, these devices are dividing according to screen resolutions.

Advance Developer Tools

The development system of iOS apps is entirely separate from Android as they undergo strict testing ideas before they are used to App Store or made possible to users.

Irrespective of the high cost of materials, it is a portion of food that people prefer iPhones or invest in iPhone Application Development from one of the best mobile app development companies. If you are studying for one of the best SEO or mobile app development companies, we are here to improve you out. Reach us now and get your Easy Quote promptly.

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US SBA report says, 50% of small businesses fail after five years of operation. The main reason for failure is the lack of funds. Apart from small business loans, other creative financing options are also available. Innovative financing options are critical for the success of small businesses. Many SMEs don’t get business loans from banks. Hence, you may need to consider options other than small business loans.

In this article, we will explain the creative ways to raise funds for small businesses.

Small Business Loan from NBFCs

If banks reject your application for small business loans, then Non-banking financial corporations (NBFcs) can come to your rescue. They provide Small business Loans to SMEs at affordable interest rates. NBFCs provide easy online business loans. NBFCs like Ziploan have business instant loan apps in India for hassle free and easy processing. They can get the business loan in 59 minutes. Working capital can be accessed in 48 hours. 

Crowdfunding

Crowdfunding is a boon for small businesses. To get started, a small business needs to present its idea for which they want to receive funds. They can reach out to investors through online lending portals. It can be reward-based which promises a reward to investors on profit or either debt or equity. 

Venture capital

Venture capitalists invest in a small business that shows a high potential for growth. Most of the venture capitalists request a combination of equity and debt financing.

Trade creditors

As a small business, you are associated with many manufacturers and distributors. They can provide you with short-term small business loans. They can be convinced to not charge you for their services until you make profits. Once you pay your trade creditors and earn their trust, you can ask for longer small business loans. You can convince them for easier payment terms by showing your potential. 

Angel Investors

Angel Investors have surplus money and are keen to provide small business loans to profitable ventures. Make a promising proposal to them. If they are glued up to your planning they can also offer to mentor apart from an msme loan. 

Business Incubators and accelerators

If your business is in the early stage, consider an Incubator and Accelerator. These are the programs that assist small businesses with loans, training, operations, and nurturing. These programs normally run for 4-8 months. 

Winning contests

Many contests are held worldwide to encourage entrepreneurs to set up their business. You need to make a captivating project in order to increase your chances to win. 

Government Programs

Pradhan Mantri Rojgar Yojna – Micro Units Development and Refinance Agency Limited (MUDRA) provides Rs. 10 Lakh of small business loans. You need to submit your business plan and once approves, the business loan gets sanctioned. 

FAQs

1. How can I raise funds for my business?

Small business loans are the best way to fund your business. Many banks and non-banking finance corporations provide easy online business loans. You may also opt for crowd funding and Venture capital to get funds.

2. How do I get free money to start a business?

Government grants like MUDRA scheme are the best way to get free or cheap money to start a business. A promising proposal can create higher chances of getting a government grant. 

3. How to ask for money to start a business?

You need to be confident about your business. Prepare a well-crafted business plan that can show your real potential. You must research about the investors before contacting them for small business loans.

4. How do I get a government grant for my business?

Many state or local governments offer small business loans. Check with your local or state government for grant opportunities. 

5. What are the best sources of finance?

The best sources of finance for businesses are business loans, equity, debt, debentures, venture funding, and term loans.

The post Creative Ways of Raising Funds for Small Businesses appeared first on Today News Spot.

This article aims to provide a roadmap for guiding people aspiring to become data scientists. This article is divided into six sections. The first section pictures the roadmap of guidance. In continuation with the first section, the article describes the role of SAS training for becoming a data scientist. Henceforth, the article explains about SAS training for beginners and SAS training for existing data scientists. The next section discusses the attributes of a successful data scientist. The article concludes with the future roadmap for sas training vis-a-vis data sciences.

The roadmap of perfect guidance 

It is necessary to follow a step by step process for becoming a data scientist. The first step is to chalk out a plan and prepare a time frame for completing data science training. The second step is to get enrolled in a suitable data science training institution. An alternative to this step is to get enrolled in an online program featuring various modules of data science. The third step is to secure an internship to get acquainted with the tools and skills of data sciences. Finally, with all this experience and training, one can start working as a data scientist and analyse huge chunks of data in a short span of time.

The role of SAS training 

The role of sas training is very critical in data science. This is because sas training blends the aspects of both statistics and analytics and gives the trainee a deep understanding of data. It also enables the learner to gain a comprehensive knowledge of tools which help in data analytics. It is noteworthy to mention about the role of a SAS training institute which can act as a navigating compass in the course of data science training. This is because such an institution maintains a robust training program and recruits expert faculty so that the trainees get the best quality of education possible.

SAS training for beginners

SAS training for beginners is always a holistic program in a sas training institute because it enables the teaching faculty to work on a clean slate and build a strong foundation. The beginners program is usually aligned with an advanced training program which can be taken up subsequently. Nevertheless, the program features knowledge of some of the critical tools of statistical and data analysis.

SAS training for a data scientist 

SAS training for data scientists is quite different from that of beginners. This is because data scientists are usually trained in advanced tools of data and text mining. Having said that, training of data scientists involves the building of and polishing of already existing skills.

A successful data scientist 

A successful data scientist is one who trades in data. This means that a data scientist is able to validate data, restructuring it and mine structured data from unstructured data.

Roadmap for future 

The roadmap of future for a data scientist involves treading along the lines of technological advancements which guarantees a prospective career in the long run.

The post The Roadmap Of Perfect Guidance For Becoming A Data Scientist appeared first on Today News Spot.

India’s healthcare system relies heavily on a network of private and public hospitals, backed by an army of medical professionals, clinical staff, and doctors. Currently, there are more than 12.5 lakh allopathy doctors in the country, according to a report published by the Union Ministry of State for Health and Family Welfare in September 2020. India’s healthcare system makes do with only 3,71,870 doctors who carry specialist/post-graduate qualifications. few NBFCs offer loans for doctors at low interest rate. 

• 52% of India’s allopathic doctor’s practice in only five states.

Recent studies show that the majority of healthcare professionals, including doctors, operate in metropolitan areas, which creates credible medical infrastructure in Tier – 1, Tier – 2, and Tier – 3 cities, but at the expenses of crumbling rural healthcare. Despite multiple attempts to divert doctors to every corner of the country, often the cost of setting up a clinic and the necessary infrastructure struck down such initiatives, also calling for suitable financing such as a loan for doctors.

The Possible Solution Healthcare Financing

Healthcare financing has, for long, been one of the most sought-after modes of financing in India’s lending industry. Loan for doctors was often availed by both new and seasoned practitioners as quick and hassle-free means to bridge monetary shortcoming. Various loans for doctors also gained immense popularity recently, as more and more practitioners looked outside of conventional funding and planned to set up their own healthcare facilities.

Opening a clinic and starting a private practice can be taxing though on one’s savings, especially for newly graduated healthcare practitioners. Healthcare financing in the form of a loan can provide the necessary assistance. There are several favourable factors why one should certainly consider this option as a way forward. Let’s take a look.

• Demand for Quality Medical Care is Growing

India’s medical industry constantly battles the ever-increasing demand for quality healthcare. A recent report published shows that the demand and supply gap of affordable healthcare in India is constantly widening.

Newly graduated doctors can take advantage of this situation and set up their own practices with the help of a loan for doctors. Extending specialised services to the rural sections of the country can be one of the primary reasons to avail a loan for doctors. They are also likely to benefit thanks to the introduction of Government-backed insurance schemes as well.

• India’s Population is Ageing

India is set to become home to more than 34 crore citizens over the age of 60 by 2050. Extending quality healthcare to this massive pool of residents will thus become necessary for both the private and public sector establishments.

Healthcare professionals can avail a loan for doctors to create nursing homes and old-age homes, offering both residential and visiting medical assistance to patients. Existing practitioners should also consider this market, extending their clinic with the help of a doctor loan.

• Medical Tourism is Flourishing

India has a thriving medical tourism industry as well, and attracts a good chunk of healthcare seekers from several neighbouring (as well as other) countries. A large pool of skilled healthcare professionals, low cost of healthcare, and affordable accommodation draw thousands of patients every year to some of the esteemed facilities of the nation.

One can easily partake in this million-dollar industry, creating the necessary infrastructure with the help of such a loan after having understood what is necessary to participate in medical tourism.

Financial institutions such as Bajaj Finserv also offer a loan for healthcare professionals at affordable interest rates and borrower-friendly terms.

Doctor loans are available for super-specialist, MBBS, DHMS, BHMS/BAMS, and BDS/MDS doctors. Such qualification eases the eligibility criteria, whereby one can avail a loan for dental clinic in India as well as avail an advance to practice alternate medicines in any part of the country. Due to these lax requirements and broad usage, these credits can prove to be the key to unlock the true potential of India’s healthcare industry.

The lender even extends pre-approved offers, which further simplify the application process and help save time. These offers are available on several different forms of credits, such as business loans, personal loans, etc. You can check your pre-approved offer online by sharing only some essential details.

Check out here few tips for online Doctor Consultation in India.

The post Top 3 Reasons Why You Should Get A Loan for Doctors appeared first on Today News Spot.

India’s SME and MSME sectors, one of the backbones of the nation’s economy, accounted for nearly 63 million organisations in FY 2020. These so-called growth accelerators of Indian economy, SME and MSME sector contributed about 30% to the nation’s GDP.

• Apart from being the second-largest micro, small, and medium-scale enterprise sector globally, India’s MSME’s also play a crucial role in generating employment. Today, more than 110 million people are employed in various MSMEs across India.

To ensure this industry continues to lead India’s economy on its path of growth, the Government of India introduced various schemes to guide, fund, and develop this sector. Apart from new business loans offered by various public and private sector lenders, MSMEs have recently been classified under revised criteria. Such an initiative is likely to boost business growth and help manufacturing businesses that are booming.

• The number of registered MSMEs increased by nearly 18% in FY 2020, currently standing at 25.13 lakh units (as of March 2020).

Such changes were overdue for some time now, as the SME and MSME sector started facing various new obstacles in the last few years. Changing international relationships, dried up sources of import and export, availability of raw materials and labour was slowly but surely reshaping the industry. Moreover, the recent economic slowdown increased the demand for a new business loan significantly as this industry had a history of facing somewhat of an economic crunch.

Business loans – The preferred method of funding

In India, unsecured business loans are extended by various financial institutions, offering as much as Rs.20 lakh to eligible establishments. These credits also offer unprecedented flexibility; apart from the standard business loans, one can opt for business equipment loans, working capital loan, credit for supply chain financing, business loan against property, etc.

Thanks to online application and verification process, availing such a business loan has become hassle-free and quick. Organisations also prefer these credits over their secured counterparts, as these present lesser risk, quicker disbursement, and often very little end-use restrictions.

• Monthly credit data released by the Reserve Bank of India shows that credit to medium-sized industries rose nearly 13.8% between March and September 2020.

The above-mentioned benefits of MSME loan offer several quick ways to secure credit. Let’s take a look at a few of those.

• Determine the loan requirement –

A new business loan can be availed for multiple reasons; one can avail such a credit to start a new organisation, fund everyday expenses, grow an existing business, or to create a financial backup. The principal amount is likely to vary according to the requirement, and it is of utmost importance to calculate the funding requirement before applying for credit.

Lenders are more likely to offer credits readily (and at better terms) if an applicant shows the exact requirement, how the funding is likely to be used, and a repayment plan during application. It is also an essential financial habit to better manage business growth.

• Zeroing in on the type of loan –

Similarly, deciding on a particular type of credit is also necessary. For example, business equipment loans may be more helpful if one needs to upgrade existing infrastructure or procure new machinery. Contrarily, a working capital loan might offer better monetary backing if an organisation is seeking funds to tackle overheads. Applying for a particular type of credit will also increase the chance of successful approval.

• Selecting a financial institution –

There are several commercial lenders operating in India’s financial market who extend such credits at attractive terms. Borrowers should carefully compare the terms of lending as well as other factors while selecting a financial institution.

Other than the rate of interest, repayment tenure, and other aspects, one should also look at additional benefits. Companies like Bajaj Finserv often extend pre-approved offers as well, which simplify the application and disbursal process of a new business loan. These offers are available on a range of financial products, like business loans, personal loans, etc. One can check his/her pre-approved offer online by sharing only some essential details.

Availing a credit has become significantly easier nowadays, especially with revised borrower-friendly guidelines. Following the steps mentioned above is more than likely to help a credit seeker to find the best financing option available in the market.

The post Business loans – Quick Ways to Secure Funding for Your Organisation appeared first on Today News Spot.

A personal loan is an unsecured loan that an individual or entity can opt for their personal needs and requirements. For personal loan approval, the documentation process has to be passed, and that’s why you need to know about the necessary documents that you must have in order to get your personal loan sanctioned.

Documents Required For Personal Loan:

If you are a salaried Professional or self-employed, you need to submit the following required documents for your personal loan.

• Proof of Identity

Under Proof of Identity, any statutory issued photo document would work. Now, what all can be counted under the photo documents? It mainly includes a driving license, passport, PAN card, Voter ID card, etc.

• Proof of Residence:

Under Proof of Residence, the same documents as above would work, though just ensure that there’s your residence address on it. However, you can even apply with utility bills like electricity bill, water bill, and even your Ration card would do the work.

• Income Proof:

The income proof depends based on which category you fall in from the below:

• A) Salaried Professional – Keep your FORM 16 (certificate of tax deducted from salary), or the Income Tax returns of the past three years accompanied with the bank (in which salary is credited) statements of the previous 6-12 months.
• B) Self-Employed – Keep the last three years of income tax returns (ITR) ready along with the other necessary documents, and yes, not to forget the annual accounts.

Eligibility for a Personal loan

It is impossible to tell at the moment, whether or not you are eligible for the personal loan. If we have to sum up in two words, then we would just say “Credit Score”! Yes, it’s the whole game of maintaining a decent credit score, especially in this case as you are going for a personal loan.

The questions regarding loan eligibility and the loan amount can only be answered by the lender. If you have a good credit quality, trust us, you won’t have much issue in obtaining a personal loan. In most cases, you may even easily get a pre-approved personal loan sanction.

Is there a way to get a personal loan sanctioned online only?

Yes, a lot of lenders these days in the market have also started to adopt digitization for loans. The borrowers can complete the whole loan process online only. The documents could be uploaded in soft copies as per the details given. Most of your leading financial institutions and banks have taken the whole personal loan application process online only. In the current market, these days there are a lot of instant approval personal loan applications that have made it a lot easier to get your loan approved.

Requirement or necessity of original documents

You have to submit the photocopies of your original documents to the lenders. However, we recommend you to keep the original documents in handy, in case the lender has to validate the photocopies with the original documents. Beware of the individuals who ask you to upload/submit all original documents. Yes, at times, a few original documents could be required for some time just for verification purposes, though, other than that, originals are for you to keep with you only.

How to opt for a pre-approved personal loan?

As the name suggests, a pre-approved personal loan isn’t for everyone out there. For instance, if you are already a customer of a bank, then you may get the privilege of an instant personal loan or pre-approved loan as most of your documents are already up there in the database. Also, it depends upon credit history, repayment capabilities, income records, etc.

Are the documents required for submission going to remain the same with every lender?

In most of the cases, the documents are going to remain pretty much the same only. However, a few documents may go up and down, depending upon the lender and loan type. In certain cases, you may be asked for less or more documentation too. So, it all comes down to what you are looking for and where you are looking for. Hope that makes it clear!

Conclusion: We hope that you would have now understood about the different kinds of documents required for personal loan approval. That being said, just follow what we have said above and in a matter of time, your loan amount would be in your hands. So, what are you waiting for? Get the documents ready!

The post What Documents are Required for a Personal Loan? appeared first on Today News Spot.

In today’s time, it is extremely easy to get cash from lenders to finance your emergencies. These loans provided are unsecured loans that do not require any collateral or security. This is also the reason that to ensure that the borrower does not default, the eligibility criteria are a little stringent.

While the eligibility criteria may vary for different lenders, some common points that all the lender’s personal loan requirements include are:

∙        Applicant must be a resident citizen of India.

∙        The age of the applicant must be between 21-60 years of age.

∙        The applicant must have a good credit history and a good credit score

∙        The income of the applicant must be more than Rs 20,000 per month.

∙        Must be able to present the salary slip of past 3 years.

∙        A valid employee ID card.

These are some criteria that are mentioned by each lender as the eligibility criteria. However, some hidden factors can help you in getting a loan sanctioned by Fullerton India online personal loan application. One of these factors is the Borrower’s company.

Let us learn how your company’s profile can impact your personal loan.

How your company can impact your personal loan

Most of the lenders offer instant loans or pre-approved loans to various applicants. This instant-loan is either due to your good credit history and more often than not it is due to the organization you are working in Employees of a reputed company are more likely to be offered such instant-loan service by lenders.

The loan application of the applicant is assessed based on the applicant’s employer. For most of the banking institutions, the companies are divided into listed and non-listed categories. These categories are further differentiated into various sub-categories like

∙        Super A

∙        Category A

∙        Category B

∙        Category C

∙        Category D

∙        Silver

∙        Gold

∙        Platinum

∙        Diamond and so on.

For private employees, categorization is done on the reputation of the company. At the same time, a variety of deals are also offered to government employees and top-rated private and public companies who seek personal loans.

In the case of government employees, the lenders do not worry much as the loan offered is secured and guaranteed by the government.

Your organization will not only help you get a loan but will also help you get the personal loan at a lower interest rate. With a good company’s reputation, the lenders are open to negotiations as it reflects well in their company and the lender’s profile.

Why the borrower’s company matters?

As a personal loan is an unsecured loan, the risk is high and the chances of failure too are high. To ensure minimum risk and maximum profit, the lenders look for criteria through which they can ensure the individual has a stable and regular source of income.

The only way to do this is to check the individual’s income and the reputation of the company the persona is working in. The organization’s name indirectly acts as the security for the applicant.

Conclusion

If you do not work in a reputes company or are working in a start-up, do not worry. It does not mean that you are not eligible for a personal loan. Instead, you can work on other eligibility criteria to ensure you get the funds you require. All you need to do is look for lenders who do not mind you working in a smaller organization, and are also willing to offer you the loan amount that you want.

In the end, your loan amount, application, and interest rate will be determined by the lender you choose to get the loan from. So, choose wisely and fund your emergencies without any worry.

The post How borrower’s company may impact on a personal loan? appeared first on Today News Spot.

A money back policy can secure your family financially under unavoidable circumstances, such as critical illness or your sudden death. This insurance plan will pay your dependants periodically to meet financial liabilities in various stages of life. It is not only an insurance policy but also an investment plan. We have listed five key benefits of it below. Let us take a look to understand why owning a money back policy is a wise choice.

• Survival Benefits

The policyholder gets an amount of money every couple of years until the policy ends. These payouts begin after a few years from the money back policy’s commencement until the plan matures. This survival benefit is a percentage of the total sum assured, which the insurance company splits over the policy term. The policyholder gets the remaining amount at the time of the plan’s maturity. However, if the insured meets an untimely death during the plan term, the survival benefit does not accrue.

• Death Benefits

A death benefit is a periodic payment that the nominees receive under the circumstances of the policyholder’s sudden death. This amount consists of the money back policy’s total sum assured and the bonus accumulated since the plan’s commencement. It helps the family of the insured to meet financial liabilities after he is no more. As mentioned earlier, the nominees do not get the survival benefit after the death of the insured.

• Maturity Benefits

The total amount of funds received at the maturity of a money back policy is known as maturity benefits. It is the combination of the sum assured, the remaining amount of the survival benefits, and the bonus accumulated over the years. The amount of compensation depends on the company’s performance. Also, some offer a terminal bonus too.

• Sum Assured

The sum assured is the amount of money determined upon while buying the money back policy. This amount also determines the premium that the insured party has to pay during the policy term. The sum assured is paid to the policyholder when the plan matures or nominees if the insured does not survive the period.

• Bonus