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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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.

Golden milk, haldi doodh, and turmeric milk – are all synonyms for the one drink that is jam-packed with health benefits for all, and this superfood is super tasty too! This beautifully bright yellow beverage may not be everyone’s favorite cup of drink, but given the huge number of extensive and potent health benefits, it is definitely a must-have in your daily diet. This health potion is best had just before your night bedtime, to gain the maximum benefits, including being lulled into sleeping like a baby! Who doesn’t love restful and uninterrupted sleep!

Benefits of Turmeric Milk

Yes, this is a ‘superhero’ among foods. The active compound in Turmeric, Curcumin, is a natural polyphenol, which means it possesses antioxidant, antimutagenic, antimicrobial, anticancer, and anti-inflammatory properties. Curcumin supplements are popular and extremely beneficial too. The curcumin in turmeric milk or haldi doodh act as a potent booster of cell, organ, and blood health. It also accelerates our immune system, over time making it self-sustaining to fight illness and injury, which means our body heals faster and is better equipped to combat things that could potentially make us ill. We are sure that you want to know more about the health benefits of ‘golden milk’, so here are the top 12 benefits (there are several more!) and simple ways to prepare this powerful health drink:

1. Curcumin possesses anti-inflammatory properties, which reduces pain, and swelling, and helps heal hurts, wounds, burns, and internal inflammation faster. You would remember the elders in your family coaxing you to drink haldi doodh when you sustained wounds and swelling while playing. You are probably doing the same for your children too! Make turmeric milk tasty, so that the young ones drink up without a fuss!
2. Curcumin in turmeric milk is a powerful antioxidant, preventing damage to our body from free radicals, toxins, and pollutants. This in turn helps to bring down the risks of developing cancer, and other potentially dangerous illnesses.
3. Turmeric milk is a potent immunity booster, which thus fights bacteria, viruses, and fungal infections. Drinking turmeric milk can prevent the common cold and flu, and also significantly reduce the symptoms of these illnesses. It is a tasty and healthy way to remain in good physical shape!
4. For those prone to diabetes, drinking turmeric milk or consuming turmeric tea or in any form, can help to delay the onset of Type 2 Diabetes by inhibiting inflammatory cytokines, thereby keeping glucose levels in check, and reducing diabetic cardiovascular complications.
5. Curcumin helps to bring down bad cholesterol levels, thereby prevent heart diseases, and providing protection against the devastating pathological changes that occur with atherosclerosis (build-up of plaque inside the arteries, which can cause obstruction or rupturing of the arteries), which could lead to serious heart ailments.
6. Curcumin brings down the risk of getting cancer, since it inhibits the growth and development of cancerous cells, and prevents them from spreading at the minutest level, metastasis. It also reduces the risk of the growth of new cancerous cells.
7. Turmeric is a powerful helper while treating Alzheimer’s disease. This disease is caused by the build-up of amyloid plaques, and curcumin is a potent ‘cleaner’ of these plaques.
8. One of the main ‘actions’ of Curcumin is boosting the brain-derived neurotrophic factor or BDNF, which helps to treat patients suffering from depression. Curcumin boosts the happy hormones – serotonin and dopamine, which helps to calm stress and relieve anxiety.
9. The high antioxidant properties of Curcumin prevent cell damage, stimulate new cell growth, promote healthy skin, and slow down the effects and signs of aging. It prevents the formation of fine lines and wrinkles, giving your face a fresh and youthful appearance.
10. Curcumin works wonders on the digestive tract. It helps to reduce bloating and inflammation, thereby stimulating the digestive system. It also accelerates bile production and prevents and treats pancreatitis.
11. Regular consumption of curcumin through turmeric milk or other ways, helps in the treatment of cataract and glaucoma, and thereby prevents loss of and impaired vision.
12. All the properties of curcumin have a stimulating and healing effect on the largest organ too – the skin. It helps to reduce scars, prevent acne, eczema and psoriasis, reduce pigmentation, heal wounds and scars faster, and provide an overall healthy glow to the skin.

Bonus:
Curcumin helps to reduce pain, inflammation, and problems in joint functioning. This in turn provides relief to patients of rheumatoid arthritis, while also preventing bone erosion. It also protects the tissue of and around the bones. By regular consumption of turmeric milk, we gain the goodness of milk – potassium, calcium, Vitamins K, B2, B12, B1 and D, selenium, zinc, magnesium, and proteins – which are essential for bone health. Stronger bones translate to lesser chances of fractures and osteoporosis.

Read Also: How Much Green Tea Should You Drink to Avoid Side Effects?

The benefits of a restful and adequate sleep are well-known. Inadequate sleep or a disturbed one can potentially prove harmful over time. Not only does one feel tired and irritable, it takes a toll on the overall wellness of the mind and body, which over time translates to stress and anxiety. A glass of warm turmeric milk/haldi doodh will ensure that your mind is relaxed and will induce a restful and long night’s sleep. It tastes delicious too, leaving you happy and refreshed to face the next day.

Easy to Prepare Turmeric Milk

With a range of turmeric milk lattes and powders available, preparing this beautiful and healthy milk at home is so easy. You could also use the following method to prepare a delicious serving of haldi doodh:

1.   A cup of unsweetened milk
2.   A tsp of turmeric powder
3.   Small piece of fresh ginger – grated
4.   ½ tsp of cinnamon power
5.   Tiny pinch of black pepper powder
6.   Honey to taste

Mix all the ingredients and bring it to a boil. Reduce the flame and allow the ingredients to simmer together for about 10 minutes or until you see the beautiful golden color and get the alluring fragrance. Strain the mixture and drink up! You could also cool this milk, refrigerate, and you have a refreshing cold beverage or you could reheat if you prefer it warm.

In Conclusion

This ‘golden milk’ is the elixir that can be consumed every day to gain overall health benefits. The other spices add a punch and their own set of nutritious advantages and allow you to make a personalized health drink, as per your taste. Do check with your doctor however, before adding anything to your diet. Don’t miss this ‘golden’ ticket to health!

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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.

Electrolytes are essential for your body and are the key to a longer and healthier life. If you use an electrolyte drink for runners, it can help keep your energy levels high throughout the day. If you’re looking for the best electrolyte drink for runners, we’ve got you covered. We’re here to help answer all of your questions about how to get more electrolytes in your diet, as well as what kind of supplements might be right for you.

Why Electrolytes For Runners are important?

When you run, your body loses electrolytes through sweat. The loss of electrolytes leads to dehydration and cramping. In addition to this, the lack of electrolytes makes you fatigued because they help in the conversion of glucose into energy which is used by muscles during exercise. Thus, it’s very important for runners to replenish their lost electrolyte levels during a workout session or race so that they can avoid all these issues mentioned above.

Electrolyte Drinks for Runners

Electrolyte drinks for runners are a great way to rehydrate after a workout and help your muscles recover. They’re also convenient, portable, and can be enjoyed both before and during exercise.

Electrolytes are minerals that are lost through sweat, including sodium, chloride (chloride), potassium and calcium. They play an important role in maintaining fluid balance in the body by regulating the level of water inside cells. When you sweat more than you lose through urine (such as urination), it can cause dehydration—or having too little liquid left in your body—which can lead to muscle cramps, dizziness or fainting spells when running long distances without proper hydration from electrolytes in sports drinks.

Some of the best electrolyte drinks for runners are:

• Coconut-Citrus Electrolyte Drink
• Watermelon Juice
• Organic Lemon Juice

Natural Electrolyte For Runners

Natural electrolytes for runners, also known as natural salt or natural sodium, are a kind of mineral that help regulate the body’s fluid balance and help replenish it when needed.

These salts are found naturally in many foods like vegetables and fruits. They can be used during training sessions to make sure you remain hydrated throughout your run or other workout session.

Natural electrolytes may be good for your health but not always necessary depending on how long you intend to train for each day. In general, these electrolytes are meant to curb cramping during workouts as well as provide an energy boost which will help keep you going throughout your workout routine without getting tired too quickly due to dehydration or lack of nutrients in your bloodstream which could lead to illnesses later on down the road if left untreated (such as headaches).

When to Take Electrolytes Running

Your electrolytes are an important part of hydration. And while they can be added to water or sports drinks, you also need to make sure that your body is getting the right amount of electrolytes in order for them to work properly. The following are some tips for when you should take electrolytes:

• During exercise: You should always be taking electrolyte through drinks or supplements during exercise. If you don’t, then you won’t have enough energy for the long run and might end up severely dehydrated.
• After exercise: Whether or not you took any during your workout session depends on how much was lost through sweat and perspiration during physical activity (and this varies from person-to-person). But if it seems like your rehydration needs some extra help after working out hard at the gym or playing a sport outside all day long, then consider taking some type of electrolyte supplement after exercising so that all those nutrients get replaced back into their rightful places within us!

Additionally Read: Keto Workout: What You Need to Know?

Conclusion

We hope that this guide has helped you to understand why electrolytes are so important for runners and how you can get them into your diet with natural foods as well as supplements.

If you have any questions, please let us know in the comments below! Happy running!

The post Electrolyte For Runners: A Complete Guide appeared first on Today News Spot.

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.

The post How Acre to Square Feet Conversion is useful in Property Loans appeared first on Today News Spot.

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.

The post Important Features of the Pradhan Mantri Awas Yojana (PMAY) appeared first on Today News Spot.

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.

As a doctor, managing your practice effectively must be one of your prime concerns after ensuring the health and wellness of your patients. With the coming up of several mobile applications for doctors, practice management has been made a lot easier than before. If you are looking for suggestions about the best app for healthcare professionals, here are your options:

Bajaj FinServ Health App  

If you are searching for online applications for doctors that offer a one-stop destination for managing your medical practice, download the Bajaj Finserv Health App right away. It can help you store patient records, handle appointments, and give prescriptions. You can manage consultations and talk to your patients through calls, chat, and video through this app. Also, you will find it easy to make and maintain invoices through the app. The listing on the app is free, and there are no additional charges for upto three years. All these features make the app one of the best online consultation apps for doctors and other healthcare professionals. So download the Bajaj FinServ Health app and manage your practice better.

Prescrip 

Prescrip happens to be a fast-growing tech company that has been truly helpful to the healthcare scene in India. It has been around since 2014 as a simple iPad solution for doctors. The app facilitates video consultations, tracks treatment history, and helps you set follow-up reminders. It helps generate fast and neat patient prescriptions while keeping a complete record of the appointments.

Navia Life Care

The health tech venture, Navia Life Care, has developed the pathbreaking voice-based virtual assistant app for doctors. It focuses on developing a patient engagement platform for the medical providers that can meet all communication, monitoring, and compliance criteria. You can give online consultations and view a patient’s medical history. The app allows voice-enabled digital prescriptions that can be shared through text or WhatsApp. The company’s goal is to offer affordable, high-end solutions that align with the ever-changing medical needs while keeping a keen focus on advanced health tech.

Practo 

Practo focuses on assessing health issues, booking diagnostic tests, finding the right physician, obtaining medications, storing health records, or finding new ways to stay healthy. Then, the users can have one-on-one calls with you. The app will let you manage your appointments, keep a tab on your schedule, contact patients, offer prescriptions, and handle patient reviews. Just create your profile on the app to get started.

MFine  

MFine is a popular app that lets doctors manage their medical practice effortlessly. Through this app, you can offer 24*7 online consultations to your patients. Patients can make audio or video calls based on the appointment type. You can share the prescription on the app itself. Though the appointments are payable, the follow-ups are not. Thus, more people are attracted to the app, which is also beneficial to the doctors.

Lybrate  

Lybrate helps make sure that doctors can save time and improve their practice effortlessly. Through this online consultation app, you can improve your reach to patients all over the country effortlessly and also manage your practice. Moreover, the patients can contact you easily and make more informed decisions about their health.

Amion 

Amiron is an app that helps healthcare professionals manage their daily schedules. With this app, you can effectively handle your shift to serve your patients properly. Additionally, the auto-schedule option will allow you to set appointments and follow-ups. You can integrate your shift with peer scheduling, manage a hospital or clinic, and use a range of scheduling templates.

Download any of these applications for doctors to manage your practice better and keep your focus on patient health and wellness. 

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Of course, education is most important to people who need to succeed in life, and it will lift the person in various ways. For that need to choose the best platform, take part with Unacademy, the topmost learning platform for the people. It is the one-stop solution for the people who may get various types of information from this platform.

When it comes to learning, they offer the class to the school students and all types of competitive exams. It is a considerable platform to study; you may also attend various types of mock tests by using the referral code. Consider the Unacademy Referral Code for CBSE “STUDYATHOME” to attend the various types of tests. It is one of the greatest advantages to the people who may benefit from it. 

Why need to use the code? 

Get the special plan, a referral code is needed, and the students may attend various classes and tests. They are providing the live section, which will be useful to the students. The people from the various modes obtain the platform, which will be the loyal advantages’ to the people. It is the topmost platform compared with the other platform and does not avoid it anymore. Ensure the referral code and obtain the various advantages on it.

In addition, you will clear out all doubt in the live class itself. It represents the various merits in all possible manners, so consider it and ensure the advantages. When it comes to learning, it will be a trustable platform, and the learners may gain several solid things on this platform. Consider the referral code and obtain the various kinds of merits. 

What types of advantages are available on it? 

It will be a loyal studying platform and take part with it to get different information. Most of the learners tend towards the platform to get unique services. Thus, Unacademy Referral Code “STUDYATHOME” is the greatest thing, and they will conduct various types of tests, and you may obtain the testy with the help of the code. In all certain ways, it will be trustable, and the learner will obtain them without any more benefits.

Consider the platform, and the referral code is helpful in all ways. Take part with them and ensure the valuable things. It is the best application in the online mode, and it will comfort the learners. The students who may learn any things at any time consider it and ensure the advantages. At your comfortable places, you will get the application with reliable internet. Please make use of the referral code and obtain the advantages of it. 

Bottom line: 

It will be the loyal one when it comes to learning. Take part with the platform and ensure the advantages. Consider them and get the better benefits on it and it will more useful to the people. Try to share the platform’s advantages with other ones, and they also gain the advantages on it in the learning platform. 

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OnePlus mobile price has always been a matter of dissatisfaction for Indian consumers because of budget constraints. But not anymore! OnePlus is now offering an India-exclusive mid-range mobile that is reportedly a value-for-money product from the Chinese brand.

The latest OnePlus 9R, with its unique propositions, gives the customers a feel of flagship devices at a reasonable price.

OnePlus 9R strives to win the hearts of the youth and become the style statement of the new generation with its exquisite Carbon Black and elegant Lake blue shades.

This article gives a comprehensive review of the OnePlus 9R and argues why it is the best mobile for everyone to buy.

OnePlus 9R Features and Specifications in Detail

1. AMOLED Display

OnePlus 9R flaunts a 6.55-inch AMOLED display with Full HD+ resolution at 1080×2400 pixels and provides 402 PPI pixel density. To protect the display of the Latest OnePlus 9R Mobile from scratches and drops, the Corning Gorilla Glass v5 comes as a shielding layer.

The screen provides an immersive experience to the viewers with a maximum brightness of 1100 NITS.

2. Design

The screen features a punch hole that houses the front-facing camera. The 20:9 aspect ratio screen offers a considerable viewing space. The power button and the volume rockers get placed on the Justify side of the OnePlus 9R.

3. Security

OnePlus 9R keeps your data secure in multiple ways. It has a software-based face unlock that utilizes the selfie camera at the front and uses eye blink detection technology to deliver accurate results.

The fingerprint sensor in the OnePlus 9R comes integrated into the screen, which provides trustworthy authentication to restrict access to your phone.

4. Performance

OnePlus 9R houses the latest Qualcomm Snapdragon 870 chipset with an octa-core CPU and provide smooth functioning. The hardware setup is reliable with an 8GB RAM that is becoming very common in premium phones nowadays.

This amount of memory paired with the Snapdragon 870 chip can run up to 80 applications simultaneously in the background providing a powerful multitasking experience to the user.

5. Software and Storage

Oxygen OS, based on Android 11, drives the OnePlus 9R. Android enables strong encryption of the onboard 128GB of internal storage to keep your information secure and confidential.

6. Quad-Camera

OnePlus 9R, in the optics part, comes embellished with a robust quad-camera setup. The 48MP primary lens captures high-definition sharp and crisp images while the 16MP ultra-wide, 5MP macro and 2MP depth sensor make the pictures life-like by capturing minute details and other features. The 16MP selfie camera is a visual feast for selfie lovers.

This camera can also provide excellent stability for video recording and video conferencing.

7. Battery and Fast Charging

OnePlus 9R doesn’t disappoint with its battery. A massive 4,500mAh battery can last you up to a day worth of sap. OnePlus 9R uses USB Type-C to charge the battery with a 65W Warp fast charger.

8. Connectivity

For connectivity, the OnePlus 9R comes with Wi-Fi 6 to let you connect to the Internet. The Bluetooth 5.1 enables you to link with any loudspeaker to enjoy your favourite Spotify playlist.

OnePlus 9R is compatible with the 4G VoLTE Indian band and supports 5G. This phone has GLONASS and A-GPS for precise navigation that works flawlessly with G-maps.

9. Price

This OnePlus mobile price starts at Rs. 39,999 in India. This price is the lowest featured at Tata CLiQ. In Amazon, you can fetch the 256GB storage variant of the OnePlus 9R at the OnePlus mobile price being Rs. 39,999.

Review of OnePlus 9R

Advantages:

· The AMOLED screen is a big win given this OnePlus Mobile Price.
· The 120Hz refresh rate makes the OnePlus 9R screen responsive and adaptable.
· This high-midrange phone features Flagship-level hardware.
· The battery gets a 65W fast warp charging support.
· The performance of Android 11 is out-of-the-box in the OnePlus 9R.

Disadvantages:

· You cannot expand the storage as there is no slot.
· The selfie camera could have been better given the OnePlus mobile price.

Verdict

Android-based OnePlus 9R has flag-ship level hardware and solid battery backup, making it an incredible daily driver for office goers, students and vloggers.

Switch to the latest OnePlus 9R for an upgraded smartphone experience. Shop on the Bajaj Finserv EMI Store and enjoy pre-approved offers and other benefits like cashback and free delivery.

You can conveniently divide the entire OnePlus mobile price into a series of no-cost EMIs using the Bajaj Finserv EMI Network Card for your purchase.

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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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Best Mobile Apps for Doctors to Get Connected With Their Patients

Doctors and patients need to communicate with one another at any time, regardless of where they are. The best mobile app for doctors helps them monitor their patients. Here are some of the best apps for doctors in India available today:

Bajaj Finserv Health App

This is a well-designed app that can help patients in many ways. They can book appointments, send reports to the doctor and specialists and take notes after every visit. Doctors can get in touch with the patients through video or audio calls and chat. This platform has more than 80,000 registered doctors on board. Patients can book tests and take health risk assessment tests. It has amazing unique features that help doctors, making it the best online consultation app for doctors.

Practo Pro

Another popularconsultation app for doctors in India is Practo. Patients can search for doctors nearby or by specialty and compare their ratings before selecting one that suits their needs. The app also lets users register with the platform; upload personal information like allergies, medication history, insurance details, etc.; consult doctors online, and book future appointments. It also has Practo Ray, which is a practice management software that takes care of manual tasks.

Must Read: Top 3 Reasons Why You Should Get A Loan for Doctors

Lybrate For Doctors

This is a completely freeonline consultation app for doctors. Patients can useLybrate For Doctors to find the nearest doctor or clinic near them so they may receive treatment immediately. They can also read about various conditions, medications, and treatments.

DocsApp

This medical app for doctors is designed to help them virtually communicate with their patients. It allows doctors to keep track of the patient’s history, take notes during appointments and prescriptions. They can also monitor their patients’ health conditions by checking on lab results. With DocsApp, the doctor can communicate in real-time through video or voice chats. It is particularly useful for those living in remote areas as they can consult with their physicians without leaving home.

mFine

mFine is a doctor-friendly health care app that offers physicians an easy way to track patients’ activities, symptoms, vitals, and medications. The app also has an inbuilt payment processing system making it easier for patients to make their appointments and pay for them without having to switch between different apps.

Curofy

Curofy is a telemedicine app for doctors that is designed for physicians to connect with other healthcare professionals. It enables practitioners to explore, share and discover knowledge on various health topics. Physicians can use this platform as an online learning tool where they can discuss cases with others in the industry who have similar experiences or expertise. They can also connect with other healthcare professionals to collaborate and share knowledge.

Apollo 24/7

The telemedicine app for doctors is a web and mobile app designed to help doctors communicate with patients, their families, or other healthcare providers. Doctors can send messages via text or phone call through this application. Not only it helps doctors stay in touch with their patients, but they can also refer them to a specialist if needed. Moreover, Apollo 24/24 is free for both the doctor and the patient.

Today, most people consider online consultations as a feasible and effective way to get connected with the best doctors from anywhere. There are many apps available in the market for this purpose but not every app provides the same features. Therefore, it is important to know the features of all the apps and then install one that is beneficial. The above mentioned are some of the best apps for doctors in India which can help doctors connect with their patients from anywhere and anytime. here are the few Tips for Online Phone & Video Doctor Consultation in India.

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Endometriosis is a benign gynecological condition that affects around eight to ten percent of women of reproductive age. In this condition, the extrinsic localization of endometrial tissue results in chronic inflammation. It can cause anatomical pelvic modifications. Patients who have endometriosis suffer from chronic pelvic pain and infertility. Their quality of life is severely impaired.

In some women, endometriosis can cause severe pain as the lesions can result in inflammation. They may form scar tissues and cause different organs to stick together. Other symptoms include:

• Painful sex
• Fatigue
• Cramps
• Frequent urination
• Difficult and painful bowel movements
• Diarrhea
• Constipation
• Low back pain

The symptoms become more pronounced during the menstrual period.

The Endometriosis and Infertility Connection

One of the most common symptoms of endometriosis is infertility. Most women discover they have endometriosis only when repeated attempts at getting pregnant fail. Research reveals that more than 50 percent of women with endometriosis are infertile. While they are unable to pinpoint the exact cause for this, some of the theories put forward are:

• Inflammation causes the body to produce chemicals called cytokines. They are known to inhibit sperm and egg cell. This can cause problems in fertilization.
• Endometriosis can cause scarring and adhesions. This may result in the blocking of fallopian tubes or uterus, making it difficult for the sperm and the eggs to unite.
• The presence of endometrial tissue on the ovaries can inhibit ovulation. It may thus prevent the release of an egg.

Research on the subject reveals that women who are infertile are six to eight times more likely to suffer from the condition.

Treatment

Management of endometriosis can be done in many ways. The doctor will consider whether the patient is trying to get pregnant while deciding on a treatment option. Some treatments for endometriosis are not recommended for patients trying to conceive.

Medication For Pain Management

Over-the-counter pain relievers are prescribed to help reduce pain associated with endometriosis. They are not recommended for patients trying to conceive as some medications can adversely affect the fetus’s development.

Medication for Hormonal Problems

Pills and devices with a high concentration of synthetic hormones such as estrogen and progestin are effective in managing the symptoms of endometriosis. However, they are not suitable for pregnant women or for those trying to conceive.

Surgery

The physician or a specialist will view the organs inside through laparoscopy. It is an open abdominal surgery in which a fiber optic device is introduced inside the body through a small incision. The objective is to remove the endometrial lesions covering the organs while ensuring that the other healthy tissues are not disturbed or damaged. Laparoscopy may provide relief from the condition and improve the chances of a patient getting pregnant.

Infertility Treatment: 

Some women with endometriosis may have to undergo infertility treatment to improve the chances of pregnancy. In-vitro fertilization is a popular and proven solution and has helped many women battling endometriosis achieve their pregnancy goals.

Hysterectomy: 

Hysterectomy, which involves removal of the uterus, is also a recommended treatment for endometriosis. Women who do not wish to become pregnant can utilize this treatment option. However, doctors say it is not a permanent cure for endometriosis. There is a slight chance that the symptoms may return after some time.

IVF is regarded as the best option for infertility patients with endometriosis. IVF has provided hope for women struggling with this disease for a long time and concerned that they would never have a healthy pregnancy. Patients will need special monitoring and careful management of fertility medications. The chances of success are high.

While seeking treatment for endometriosis, it is essential to be clear in mind about the treatment goals. If you are looking to improve fertility and get pregnant, you must convey your thoughts to your doctor so that they can come up with a suitable and specific solution.

If you suspect you might have endometriosis, it is important to find a qualified specialist who can understand your problem and guide you through your options for treatment and fertility. Consult the best IVF specialist of India to get the proper guidance.

Dr. Nandita Palshetkar is the leading IVF specialist in Mumbai, with over 30 years of experience treating patients facing fertility issues. She combines the highest level of medical expertise with the latest IVF treatment-related medical technology, leading to high infertility treatment success rates.

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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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Several elements contribute to making a company a reliable brand name. One of these elements, which is crucial to any company, is the ease with which customers can connect with the business. Today’s digital-savvy buyers of automobiles visit the dealership less, relying instead on digital research, social media, and videos to stay informed and make purchase decisions. When they do visit a showroom, the customer is armed with an array of knowledge. Customers shift from online and offline channels before finally deciding their choice of the vehicle, and hence, providing customers with the necessary information and inspiring them is critical. Therefore, companies that fall behind on providing a seamless and connected experience risk losing the customer.

One of the most cost-effective ways of ensuring that customers are always connected to a business is by adding a toll-free number to the communication suite. Toll-free numbers are an indispensable asset that help a company deliver round-the-clock service to customers, enable seamless communication, and grow the business over time. This is crucial in the automobile industry, where customer service is a critical success factor for companies to improve their brand image. Toll-free numbers also offer a quick query resolution channel, where customers can review and request for the company’s services.

Due to their inherent advantages, toll-free numbers have enormous potential to serve the needs of the automotive industry. This industry caters to the needs of diverse stakeholders, right from individuals such as buyers and sales agents to organizations such as component manufacturers, rental solutions providers, resale platform providers, after-sales support, and showrooms. When serving a diverse set of stakeholders, a toll-free number can help provide additional avenues of connectivity, apart from resolving customer queries, which include:

• Getting information on the nearest showrooms
• Booking test drive appointments for select vehicles
• Enquiring about authorized service repair centers and spare parts
• Enquiring about a manufacturer’s vehicle specifications and payment options
• Sending out important updates to prospective customers about deals and offers through outbound calling solutions

Toll-free solutions enable the automotive sector to run while catering to the needs of all stakeholders and facilitating lead generation and round-the-clock customer service by seamlessly connecting buyers and sellers. They also offer operational efficiencies to the company through varied benefits such as:

• Improved customer service: Prospects always have a channel to connect, making the brand look professional, and they increase the confidence and trust of the customer in the business
• Increased employee productivity: Calls coming from a toll-free number are always routed to the right stakeholder, saving them the effort of manually routing calls
• Simplified processes: The automotive company can connect a wide range of departments, post-sales service centers, and staff members as per its business needs, ranging from inquiries before purchase, after-sales support, and everything in between
• Improved staff training and performance management: Conversations done over a toll-free number can be recorded and saved to check for potential flaws in the delivery of customer support. These can be fixed proactively and used to improve training to customer support personnel
• Improved lead generation: By adopting missed call solutions, automotive companies can call back prospects and educate them on product catalogs, features, offers, and general queries, thereby boosting sales and improving brand recall
• Privacy: With call or number masking, an advanced data protection measure, a seamless connection can be facilitated without disclosing the customer’s phone numbers, resulting in improved security

If you are analyzing your toll-free needs, look no further than Knowlarity. Our solutions are used by leading companies globally to communicate, collaborate, and improve ROI by gaining executive insights for improving business decisions to stay ahead of the competition. Knowlarity is trusted across 65+ countries by over 6000+ businesses. It helps businesses across every industry realize the full potential of cloud-based communication. With over 300+ employees, Knowlarity is one of the most cost-effective toll-free number providers and can help you get set up instantly. Give us a call at 1800-419-033 today.

For more Tech New Visit techtiper

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Tutoring is one of the most accomplishing careers you can pursue. This is one-on-one educational support and a relationship that boosts students’ learning abilities while enhancing tutors’ abilities to teach. You as a tutor have many responsibilities pertaining to the marks, exams, and growth of your students. You help them not just obtain an education but also maintain it. There is a great need for tutors on the market today.

Why you should consider tutor as a profession?

The demand for tutors is fast increasing in this current economic climate, so you should consider becoming a tutor. Let’s take a look at some of the reasons why you should do so.

• It is one of the most flexible jobs

In this job you are your boss which means you are self-employed. Unlike the 9-5 fixed hours, it is more flexible and expedient. You are your boss of choosing working days and hours. Then you can choose the class sessions, live/online/offline. Depending on your level of commitment and balance in the result, you can adjust your workload accordingly.

• Only you can provide quality education 

Tutors are the pillars of the education system but the basic need is to recognize the quality of education. This is where teachers play a very important role. The collective efforts of countless teachers can make a lot of difference. It is not like you can change the whole system but you can surely change the student’s mind. Students learn their best when they feel welcomed and comfortable.

• Become a prominent member of your society 

Contributing to society is a reason for becoming a tutor. Teaching is one of the efficient ways that can make a good and direct impact on society. This can be your contribution where you can educate numerous children in different ways and put a healthy and positive impact on their minds.

• You get rewarded for your efforts

Tutoring is a completely different process than a classroom setting. Each session has its uniqueness. You get a chance to focus on the student as many as you want. This one-to-one learning experience is completely different from the classroom and it has a different impact. Through your support, a student can build his/her future and you get rewards and appreciation all alone.

• You can earn as much as you want

Well, online tutoring is one of the most comfortable jobs people usually pick when they want to earn extra. Some have a passion for tutoring but is one of the sources that can let your pocket enjoy some extra bucks through online classes. Within few hours you can get good pay and don’t have to travel anywhere cutting your time and travelling expense.

So, who doesn’t want to involve in such a comfy job?

• One of the sources of enhancing your skills

Tutoring is one of the ways to reinforces and enhance your skills and education. As a result, your communication skills are sharpened and your confidence is boosted. By that time you will earn a vast amount of knowledge that will keep you intellectually active always.

Teachers affect eternity; no one can tell where their influence stops. 

It has been over two decades that the value of the tutor profession has increased tremendously. There is high security in this job as it is in everlasting demand. There are so many perks like extra income with an extra hour. Overall, becoming a tutor offers a lot of benefits, so if you are looking for a career that has growth and opportunities then choose a tutor job.

The post 6 Jaw-Dropping Reasons of Becoming A Tutor 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.

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.

Currently, everyone is staying at home and doing things. Both students and office goers have come to know the flexibility. Yes, students right now are studying online alone. In such a case, if you choose CSEET video lectures Online then you are all set to cover all the topics based on your subjects. At the same time, you will get the flexibility to revise the syllabus as much as you can. Along with the regular syllabus, you can study some extra lessons as well. Look at the underneath points to know the benefits.

Get to know everything

One best benefit about the video lecture is that you are all set to come to know everything in a topic quickly. If you choose to learn a problematic syllabus as well, you will be able to learn it thoroughly. That’s why you should go for video lecture-based learning. You are all set to take the classes anytime and from anywhere. If the internet connection is excellent, then you can easily watch and then learn it.

Offer better revision

As in general, video lectures offer a good self-revising feature. It will make you learn everything without any doubt. Thus, if you miss any class, it will offer the perfect learning solution for students. As mentioned before, more than the traditional class, the video lecture will give additional content. Using the additional content helps the student to study in-depth and transparent information about any syllabus. Therefore, no matter the competitive exam you choose to study, it will help you revise appropriately.

Make you learn visually

When compared with textual learning, you are all set to easily learn and understand using visual learning. Also, a considerable number of students like visual learning mode to study and grab the syllabus rather than the traditional method. Thus, you are all set to learn every syllabus quickly. Thus, if you get any doubt in cs executive entrance text Video lectures then you can retain the information with the video content.

At the same time, you check the typical classroom. It makes an individual give a lecture to a group of students. Plus, it has a board to write or draw some content. But it will surely make the students get bored after some time. Alternatively, if you check, online learning involves visuals and audio so students can quickly learn the syllabus. Also, you can memorize and understand the contents that come in the visual.

Remote learning

If you check the video lecture learning, you will get various benefits in that remote learning is the notable one. At present, everyone is learning from distance and online, all because of a pandemic, regardless of the place where you choose to live. But, without any doubt, you can learn remotely. For example, suppose if you choose to learn a program in one place, but if you can’t afford it, you can easily learn it without any doubt.

At the same time, students can attend remote lectures, participate in classes, and interact with other students in real-time easily. In short, it makes every student learn things quickly.

Easy access

No matter the time and device you choose to learn, the video lecture will let you learn anywhere from your mobile or other devices with video lectures. At the same time, every syllabus will be provided in a supportive format. Thus, you can easily access it from any device. So, there is no restriction in accessing the video. You are all set to access it from any device as well.

There is no limitation on time as well. The reason is that it is available for students round the clock 24/7. Even if you travel, sit anywhere as well you can effortlessly attend it without any doubt. You can also fix a flexible schedule based on your choice.

Freedom to learn

When compared with the traditional classroom, you are all set to learn it in the video lecture easily. However, if you choose to attend the traditional class, it will ask you to spend a lot of time and make your plan. In such a case, choosing a video lecturer is a great option and will make you access the online course material and receive the training at your convenience. Due to this feature, anyone can easily learn, and you know there are no restrictions for anyone to learn, such as job goers, homemakers, and other busy people.

The post Benefits Of Learning Via Online Video Lectures 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.

CCNA course is CISCO Certified Network Associate course that is considered a requirement for network professionals. CCNA course is mainly intended to analyze a wide range of fundamentals in networking.

One training course, multiple skills: 

Whether you are starting your career as a networking professional or you want to climb up the ladder, getting certified is the best way to demonstrate your skills and passion. IT, software, and infrastructure are all interconnected and are dynamic. To match the ever-changing landscape, you should know the latest networking technologies combined with security, automation, and programmability.

The new CCNA course will cover broad topics, including network fundamentals, network access, IP connectivity, IP services, security fundamentals, and programmability. In addition, the new CCNA is designed to include the latest technologies and job roles to provide you the foundation and take any direction in your career.

CCNA certification is the most trusted course in the industry. Therefore, the hiring managers cannot deny candidates being certified in the new CCNA as they are aware that CCNA certification can take you to wherever you want to go.

The new CCNA certification just got simpler. Pass in one exam, and you are done.

Fetching your CCNA badge:

The CCNA course is a comprehensive entry-level training and certification, emphasizing the technologies you need to administer as a network professional.

CCNA certification requires one exam 200-301 Cisco Certified Network Associate (CCNA). In addition, there is a broad range of fundamentals that show you multiple paths in your career. The implementing and administering Cisco Solutions course can assist you in clearing the exam with hands-on lab practice and real-time job skills.

Completing this training has below advantages: 

• A level 200 badge: attract your employer with this training badge that broadcasts your skills.
• 30 Continuing Education credits, which can be used to recertify your CCNA 

Benefits of taking CCNA course:

• Launch your career: Launch your career with confidence and knowledge. Broadcast your skills and passion with the most recent CCNA Certification.
• Master in essential skills: Before you go out to the practical world, learn through real-time job skills in networking, with additional fundamental knowledge in security, automation, etc.
• Broadcast your resume: With the most valued certification, let your resume stand on top of the list of candidates chosen by employers.
• Boost your confidence: As your knowledge goes multidirectional, your confidence experiences a booster.
• Let the world know your skills: Link your digital badge to social media profiles and get noticed.

What’s new in the CCNA course: 

Earlier, you were given a choice to take one of the below options: 

• CCNA cloud
• CCNA collaboration
• CCNA data center
• CCNA industrial
• The CCNA routing and switching
• CCNA service provider
• CCNA wireless

You were required to get certification in any of the two from the above list. In some cases, the number was more. However, the new CCNA got much simplified. Therefore, it is sufficient to get certified in only one path from the above. The passing score has not changed. Hence, depending on the pattern of certification and the passing score, it should not feel harder.

However, the new CCNA certification is intended to broaden the participant’s knowledge. With a CCNA certification course, you will learn deeper concepts of networking fundamentals. Although the old CCNA course also covered many concepts, the newer version is an advanced version that introduces you to a broader spectrum.

As the networking and software industry has been experiencing vital changes and developments, the certification courses are also designed based on the explicit responsibilities involved from the associate level. The CCNA certification helps an organization work with diligence and mitigate failures that generally occur in Networking implementation.

The online coaching system enables students and professionals to learn and get skilled in the most convenient way. Taking a CCNA certification course From various Cisco courses online helps you to choose the best method for you. In addition, there are Live virtual classrooms led by skilled and experienced professionals who can pave the path to your successful certification. Not only are they able to help you pass the course, but they also ensure that you receive practical real-time job experiences that carve the best professional out of you. 

The new CCNA certification process is simplified, with an increased breadth of Networking fundamentals. Simplify your learning process by choosing the best institute for the CCNA course.

 Koenig Solutions has brilliantly designed modules and live virtual classrooms that can train you in the best possible way and make your dream CCNA certification come true.

For more Tech New Visit techtiper

The post How hard is to learn CCNA? Know here 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.

Every year, the Delhi Metro Rail Corporation (DMRC) conducts recruitment exams for various executive posts such as Assistant Manager (AM). It invites young and dynamic graduates who meet the DMRC AM Eligibility to appear for the exam and recruit qualified candidates for the Assistant Manager post in Electrical, Civil, Signalling & Telecommunication (S&T) and other departments of Delhi Metro. 

The DMRC AM exam gives a golden chance to young individuals from technical and non-technical backgrounds to bag a reputed and lucrative government job. The DMEC AM exam comprises three stages i.e., Paper-1, Paper-2 and Counseling. 

Candidates must clear both paper-1 and paper-2 with minimum qualifying marks to be called up for counseling which comprises 2 stages: Group discussion and Personal Interview. After which they will be shortlisted for the final allotment.

Candidates applying for the DMRC AM exam can prepare effectively at home without coaching and can crack the exam by using their time and resources judiciously.

On that note, let’s talk about some important preparation tips that will help you crack the DMRC AM exam in the first attempt.

Examine the Exam Pattern and Syllabus Carefully

Candidates must know about some details like the structure of the selection process, marking scheme, sections, topics to study, time limit and more to design a study plan and to prepare properly for the exam. For this, you must carefully go through the DMRC AM exam pattern and syllabus.

Furthermore, careful examination of the syllabus will help you avoid wasting time on topics that might be irrelevant. Also, the division of topics and sub-topics mentioned in the syllabus will help you cover the syllabus one topic at a time and prioritizing topics.

In general, candidates should not miss out on any important detail such as DMRC AM Salary, Eligibility, exam pattern, syllabus, tentative exam dates, previous years cut off and others.

Create a Study Plan

Success at anything requires planning. Likewise, if you are sincere about cracking the exam, you must create a study plan or exam preparation strategy before starting your preparation.

You must allow enough time to each topic to clear fundamentals behind concepts in it and practice enough questions to get a good grip on the concepts. It should provide time for revision, attempting mock tests and short breaks in between study sessions. 

Choose the Best Sources to Study from (Live Coaching, Books, Test Series)

Before starting preparation, candidates must procure the best quality sources for guidance and study content such as online courses, books, test series and more.

You can now receive guidance and mentoring from top educators across India by enrolling in exam preparation courses offered by multiple online learning platforms. These online platforms provide live coaching services to students preparing for any major competitive exam so that they can prepare better in the comfort of their homes. 

Furthermore, while buying books and study material, candidates must ensure that they consist of updated and relevant information as well as the content should align with the latest exam syllabus.

Lastly, attempting regular online test series is an important step during preparation for any exam. Candidates must find the best test series available online to practice, analyze their performance and improve. 

Clear Concepts in Each Topic and Learn Useful Short Tricks

Small doubts and vague clarity of concepts can cost you an opportunity to bag a well-reputed job. Most of the questions asked in major government exams like the DMRC AM exam are concept-based. Therefore, you must clear all doubts regarding concepts in each topic to avoid any hindrance while attempting questions in the exam.

Also, candidates are advised to learn useful short tricks and formulas. They should use them instead of the basic method while solving questions as the basic method will eat up a lot of your valuable time during the exam. On the other hand, using short tricks and formulas will help you save time which would later be used for attempting other questions and sections.

Attempt Regular Mock Tests 

Candidates are advised to attempt regular online mock tests as this will improve their accuracy and speed. Also, taking mock tests will let candidates track his/her progress as well as give important insights about their strengths and weaknesses which can help them in improving their performance. 

Lastly, mock tests give a candidate examination experience thus making him/her develop confidence and composure to handle the pressure of the ticking clock while attempting questions.

Solve Previous Years’ Papers

This is one of the most strategically important steps in preparation for any exam. Candidates should solve previous years’ DMRC AM papers to get an idea of how the paper is set.

Also, it will give you insights into the different types of questions to expect as well as the trend in the weightage of different topics in each section.

The post How to Crack DMRC AM Exam in First Attempt Without Coaching appeared first on Today News Spot.

Here is a list of some popular crypto exchanges that can help you choose the right kind of platform where you can invest your funds and purchase a digital asset. 

In the past few years, the crypto market has experienced an elicit surge of users and performing quite well in terms of revenue generation and growth thus, more people are thinking of entering the crypto world to make a fortune. 

Despite the ups and downs in the crypto market, the prominence of crypto assets is growing. This has caught the attention of more people who are interested in stepping into the world of crypto. 

If you are also intrigued and want to start your crypto trading journey then the first thing to do is opt for an efficient crypto exchange. Most crypto exchanges offer features like staking rewards (for holding a crypto asset for a set period), margin trading, crypto trading tools, and futures, spot trading a lot more. You have to select an exchange that works the best for you and is in line with your trading scope and requirements.

Here is a complete rundown of the market’s best crypto exchanges for buying and selling crypto assets. Keep reading to find the best option for you.

Binance: Crypto Exchange with Lowest Trading Fees

This platform is famous among the trading community because of its competitive trading charges and wide range of trading options. Binance boasts exceptionally high trading volumes in the global exchange space. 

Binance is the world’s largest crypto exchange that provides end-users the flexibility to trade crypto with fiat currency. Moreover, the plethora of trading options on Binance is exceptional. In contrast to other crypto exchanges like Coinbase, Binance provides a larger collection of cryptocurrencies for trading along with 600 trading pairs. Binance also has a separate platform for US based traders termed as Binance. The coin support on the US platform is roughly 100 of those pairs, but that is still far more altcoins than most platforms offer.

There is a separate exchange for American citizens. Other than that, only 28 countries have proper access to the exchange. Some of the available trading options on this platform include OTC trading, staking rewards, stable coins (assets that are backed by US dollars), recurring buys, and crypto trading pairs.

Coinbase 

While the crypto market has been loaded with deceitful coins and obscure trades, Coinbase has always managed to stay away from any debate or cyber theft proving that it is one of the safest crypto exchanges around the globe. Coinbase offers a very interactive and easy to use UI, low trading charges, and a wide range of trading options.  Coinbase additionally offers insured custodial wallets for traders and brokers to store their financial assets. They provide protection against information thefts and hacking, and user money is moved in FDIC safe accounts. These custodial wallets are beneficial for beginners or new traders; however, the private keys to the coins inside them are owned by Coinbase, and not the trader. 

Furthermore, Coinbase also offers the Coinbase Pro version that has more trading options, products, competitive trading charges, and more options in charts and indicators. Coinbase Pro is an ideal crypto exchange for the traders who have gotten familiar with everything in traditional Coinbase, and it balances the general contribution by adding advanced specifications that the user may need moving forward.

PrimeXBT

Launched in the Seychelles in 2018, PrimeXBT functions across more than 150 countries, restricting countries like the United States and Canada due to their strict crypto-exchange regulations. PrimeXBT is recognized as one of the best crypto coin exchange to trade CFDs on coins such as Ethereum, Bitcoin, and many other digital assets. 

Despite excluding potential customers from such large cryptocurrency markets, PrimeXBT has grown exponentially over the past few years. PrimeXBT has strict and most advanced security protocols that safeguard user financial assets and cryptocurrencies by storing funds in an offline storage wallet.

Because PrimeXBT is a Bitcoin-oriented platform, this makes it one of the best crypto exchanges for trading CFDs. This cryptocurrency exchange offers CFDs in five mainstream cryptocurrencies such as:

• Bitcoin (BTC)
• Ethereum (ETH)
• Litecoin (LTC)
• Ripple (XRP)
• EOS (EOS)

Note: This crypto exchange allows users to trade more than 50 assets of various kinds, but it only accepts payment via Bitcoin, not fiat currencies. However, you can easily convert your currency or financial assets to Bitcoin through the Changelly API.

Conclusion

Concluding it all, if you are looking to get started with crypto trading or investing, it’s important to choose the best crypto exchange for attaining your goals. All the options mentioned above such as Coinbase, Binance, and PrimeXBT are secure and popular exchanges. You can analyze which exchange is best for you, depending on whether you want access to a large number of cryptocurrencies, the lowest fees, or the easiest experience. Once you choose an exchange you can sign up with the platform and begin crypto trading or investing.

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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.

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With the increase in the availability of data and the need to convert it into analyzed information, there is a need for software that can do it in a way that’s easy to comprehend and learn. If you are into data science and related fields or want to improve on the SAS programming language, then you should get enrolled in a good SAS course.

What is SAS?

Suppose you rely on share market graphs to buy, sell or hold onto your latest bought stock. A rational decision to the above-stated scenario can result in a profitable outcome.

Statistical Analysis System (SAS) is a software suite developed by SAS Institute. It is a tool that plays a crucial role in modern-day statistical analysis and decision-making, and hence you should consider taking a SAS course.

Why should you learn SAS?

Compared to other languages, SAS holds 70% of the market share. R has a 15% share, and Python for data analytics stands at 10%. Certain features are:

• Presentable and user-friendly GUI.
• Easy to learn compared to Python or R.
• Concise code.
• Always up to date.
• Cross-platform.
• Integration makes it flexible and available.

Why are the types of SAS applications?

SAS provides methods using which complex data can be processed to bring about meaningful information, which firms can further use to take rational and predictive decisions.

There are broadly five categories into which the applications of SAS can be divided:

• Advanced Analytics

The term advanced analytics shelters a group of high-level methods and tools that can be used to forecast trends, events, and behaviors using available data. This gives an organization a chance to make decisions prior to the happening of some event, keeping in mind the “what-if” scenario.

Certain components of advanced analytics include data mining and big data analytics.

• Multivariate Analysis

When there is more than one factor affecting a single outcome, multivariate analysis comes into play. Consider a retailer who has to buy from a wholesaler who must consider factors like price, quantity, margin, etc. This method will detect and analyze various statistical variables to predict the output.

• Business Intelligence

Strategies used for business information using historical, current, and predictive views of a firm group under business intelligence. The work includes data mining, event processing, reporting, benchmarking, etc.

Consider enrolling in this SAS course to understand more.

• Predictive Analytics

Predictive analysis uses prior available data to predict the outcome of a certain scenario for making profitable decisions. Various statistical techniques can be used to draw inferences to make predictions.

Consider a company that has a product that has been selling successfully for years. The release of a new version of the product will require an analysis using previous changelogs of the same product.

• Creating Safe Drugs & Clinical Research and Forecasting

SAS has helped take critical decisions in the field of medical diagnosis and prognosis. They require to be accurate to analyze if a patient is at risk or not. The tool has also helped in finding if there is any chance that the medical condition will improve.

Conclusion

With an exponential increase in the use of data science and its tools, it is evident that the future will rely a lot on data analytics. It is recommended that you take a SAS course to learn and enhance your skills and be ready for the industry.

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Do you cherish wrongdoing shows or spy films? Opened by The Escape Game is the escape room web based game for you! We’ve all been investing a great deal of energy at home these previous few months, and consistently can begin to feel like the last. Playing an escape room online is an incredible method to stir up your day by day schedule with an action that practices your cerebrum and furnishes you with diversion! Along these lines, put down the Firestick distant, move back from the genuine wrongdoing narratives, and head on over to play an Opened online escape room whenever you’re done understanding this. You may very well find that it’s your new most loved distraction! In the first place, we will give you all the data that you need before you begin playing your escape room on the web so there are no curve balls. Until you begin playing the online escape room, that is. We can’t part with something over the top!

What is opened? 

Opened is your opportunity to be a spy. A genuine James Bond type. When you sign into the game, you will get your main goal, go over the pieces of information, direct your own exploration on the web, and address the current secret! It may some appear as though a portion of the hints have anything to do with each other from the outset Team Building Games. In any case, you’ll definitely have an “aha!” second after you begin burrowing around. You can begin playing on the web in minutes in the wake of picking your main goal. An initiation code will be sent right to your email inbox and it tends to be utilized immediately or at some other point that works for you. Opened initiation codes never expire!If you love online escape rooms, addressing secrets, and doing some genuine sleuthing on the web, Opened is for you. It’s your opportunity to go down the hare opening to uncover totally all that you can about a lawbreaker and their wrongdoings. In an Opened escape room internet game, you’ll address riddles and decipher codes to progress through the game – actually like in some other online escape game. In an Opened game, be that as it may, you’ll have the option to go at your own speed. There is no host or clock. You can begin and pause and pick back up at whatever point you’re prepared.

Accumulate signs and proof

You’ll be given an online dashboard with bunches of signs that have been assembled by central command. Your responsibility is to filter through the records and direct your own exploration on the web to sort out some way to get the criminal on the loose. You’ll need to utilize basic reasoning and puzzle settling abilities to get the miscreant!

Instructions to play an opened escape room internet game with companions 

Get your companions in on the fun and experience of an online escape game by welcoming them to play an Opened game with you! The way that there’s no time limit or a host makes Opened incredible for companions that can’t get together for an escape room that expects everybody to shut out an hour of their day simultaneously. You can get together at the time that turns out best for you – regardless of whether it’s only for a couple of moments daily. Welcoming your companions to play an Opened escape room online is basic. You just need to buy one actuation code for your entire gathering. Whenever you’ve bought the enactment code, you’ll get an affirmation email with login guidelines Team Building Dubai. Then, you’ll sign into your number one video conferencing application (we suggest Zoom or Google Joints) and welcome your picked team of detectives to the call. After everybody is together, sign into TEG Opened with your enactment code. Return to your video conferencing application and offer your PC screen with everybody on the call. The host will be liable for tuning in to the gathering’s musings and making an immediate move inside the game. Teams that function admirably together and display extraordinary coordinated effort abilities will be the best!

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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.

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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.

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The world has completely changed, and it is becoming impossible to see this generation without smartphones.  Everything from purchase to bill payments is happening through smartphones. That turns people to lean on mobile apps for their everyday chores.

LetGo and Offerup are the outperforming apps on the preowned marketplace. Even though it is a recent startup, it had already completed deals above $25 billion as a mediator. It holds its position for years as it is easy to operate and makes sales easy in the nearby locality.

It had currently initiated numerous entrepreneurs to enter into the eCommerce world and contemplate their startups by developing a sell-buy application like LetGo and OfferUp.

Step By Step Process To Develop Buy-Sell Marketplace application

Here, let’s have a deeper discussion regarding checklists to satisfy while developing a letgo clone app

• At first, dig deeper to list down the leading second-hand marketplace apps.
• Then, know the different kinds of business models available for marketplaces and do more research in picking the perfect business model that suits your plan.
• Tech stack is a software development tool that helps in creating a marketplace application. So, pay attention while selecting the tech stack and seek guidance from some experts before reaching your decision.
• Pick the right app development company based on their experience and the challenges the company has faced in their earlier works.
• Make a Marketplace application visually appealing for your customers by creating a fascinating UI/UX.
• Establish your application with the same features and functionalities even though it is a new startup.
• Go behind the right payment gateway for your application to make it mutually beneficial for your business and app users.
• Spend some of your efforts in marketing to brand your business.
• Privacy will take your business to the next level. It allows your customers to sustain for a long and so make necessary actions for preventing fraudulent activities.
• Always ensure whether the buy-sell marketplace solution includes essential features to make your customers interested in you.
• Change is the only thing that will never change forever and so be innovative in your features always.

Necessary Features for the app

Selling 

Following the registration process, the buy-sell marketplace application will move you towards the selling menu. With the help of this, it is simple for the sellers to sell their desired product utterly by uploading a high-quality photo from your camera. Besides, the system takes advantage of an AI tool that easily recognizes the product you have uploaded and categorizes it automatically. Later, you can add a description and the price of your product. Assuredly, this application helps the sellers to check out the number of people who viewed their product.

Buying 

After entering the name of the product in the search bar, the application should automatically show the desired items of your customers near their location. Enabling the filtering and sorting option can help your customers to search for the products based on the trend, price, location, and more. In addition, by clicking the photo uploaded by the seller, the customer can view the price, product description, and more details about the product. After the customer decided to buy something, they should effortlessly start chatting with the vendor through the built-in chat options that are safe and secured.

Search bar 

It helps shoppers to find the necessary products as per their need in a short period. Indeed, it simplifies the process and increases your sales.

Geo-tag 

Since LetGo and OfferUp are a c2c platform, it is advisable to enable geographic location options. If you are picking to enhance your project up to various countries, you should consider diverse language support.

Review and rating system 

Empower it to help your customer analyze the worth of the product they intend to buy, and as well it assists you in earning trustworthiness.

Comparing products 

Always, shoppers wish to buy a product that is cheap and moderate in price. So, it is better to facilitate by comparing price options from various sellers to save their time.

Sort and filter 

Allow your users to sort the products as per their choice and as well let them filter their desired products separately from different categories and groups through an advanced filter integration.

Integrating with social media 

With the help of this feature, the registration process is pretty easy for the customers, and there are loads of chances for them to enroll with your marketplace quickly. Moreover, it lets the users share their desired products with others on social media, which increases the chances of sales.

Shipment 

Let your customers have ease in shipment. Make them feel safe and secured by sanitizing the package during this covid 19 pandemic.

How does it work?

The functioning models of marketplace solutions like LetGo and OfferUp are relatively straightforward in recognizing. The users can use it immediately after downloading the app and register by entering the necessary details. After signing up, the customer finds the search bar on the home page to initiate research on their required items.

After reaching the buying product, the shopper can click and look over the product details. Later, the buyer can interact and bargain well with the seller through in-built chat options. This vice versa happens for the seller, and they can take advantage of social media sites for selling their product. It is the whole working process of buy-sell marketplace platforms.

Revenue model

Being an owner, you need to opt for the perfect revenue model for your buy-sell marketplace that fits your business needs. Positively, you can make income through the following models,

• It is a fixed commission rate, and the seller needs to pay for every transaction that happens.
• Allow your users to enjoy your primary functionalities at no cost, and if they need advanced features, they can pay for them.
• Sellers can list their product on your marketplace and pay for it based on the listings.
• The owner can allow some space for advertisers and earn money by running the ads.

Bottom Thoughts

Around years, LetGo and OfferUp are exceptional as it grabs more consumers towards it and allows them to buy and sell goods with no cost. As time goes by, there are several extemporizations among the users. Now, you would have understood its competitiveness and monetization. So, take a clever step to launch your buy-sell marketplace app. Because being in trend, will let you leverage your potential and earn higher ROI.

The post Develop a Buy-Sell Clone App like Letgo & Offerup 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

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Blockchain holds a lot of relevance in the IT section majorly because of the exceptional features it holds. Like any other IT tool, it also has its own pros and cons but yet, it is being implemented in various kinds. Further, in this guest blog, we will surely have a piece of detailed information regarding this subject.

Blockchain is a legit methodology of keeping a track of information securely. Well, Blockchain Online Training is in actuality a digital ledger of transactions that is duplicate and disbursed throughout the whole community of computer structures on the blockchain. It is therefore a career-oriented field.

Significance of Blockchain:

In the present scenario, Blockchain makes use of a cryptography to add a layer of security to the information saved on the network. The decentralization feature, on top of the cryptography, makes blockchain grant higher safety than different structures.

To be precise, Blockchain technology can be implemented in many fields. There are lots of sectors that can be indulged in extracting the desired goodness from this technology. Majorly, Real Estate, Finance, Logistics, and Government are the sectors involved in it.

let’s now proceed further and have a look at the benefits of Blockchain certification

Benefits of Blockchain:

• Transaction histories are turning into greater obvious via the use of blockchain technology. Because blockchain is a kind of disbursed ledger, all community individuals share identical documentation as hostile to character copies.

• There are quite a few methods blockchain is greater tightly closed than different record-keeping systems.
• Therefore, transactions need to be agreed upon earlier than they are recorded. After the transaction gets approved, it is then encrypted and linked to the preceding transaction
• In any enterprise the place defending sensitive records is fundamental economic services, government, healthcare blockchain has a probability to in reality exchange how fundamental data is shared with the main objective of supporting fraud and unauthorized activity.
• When exchanges of items are recorded on a blockchain, one has to give up with an audit path that suggests the place an asset got here from and each every gives up it made on its journey.
• This historic transaction information further, can assist to affirm the authenticity of belongings and forestall fraud.
• Holding a legitimate degree of Blockchain would help the candidate in numerous ways. Further, in their career, they will be able to get into huge established MNC’s.

Above mentioned points clearly depict that Blockchain is surely a technology that will have a bright future ahead majorly in the IT field.

Future of Blockchain:

In the coming future, Blockchain will surely be revolutionized enterprise approaches in many industries, however, its adoption requires time and effort.

Nevertheless, in the close to future, employees can count on governments that will eventually receive blockchain advantages and commence to use it for enhancing economic and public services.

For candidates, who really dream of becoming a part of this technology, it is advisable for them to get acquainted with its required skills and information respectively.

It is surely one of a kind field and holds a lot of capability to enhance a candidate’s career. Hence, by acquiring a proper degree of its candidates can work as a Blockchain Developer, Blockchain Solution Architect, Blockchain UX Design, etc.

How a candidate can learn Blockchain?

There are a lot of options available, but candidates should always try the utmost best ones. At the moment, as the situations are not suitable, candidates must be thinking of learning new things. And in this process, they should consider learning Blockchain from a reliable resource.

• There are lots of websites available which provide enough information regarding Blockchain, through articles and blogs.
• Candidates should prefer acquiring information from textbooks also.
• If they really aspire to become a part of Blockchain professionally, then they must get themselves enrolled in a course under a good institution.

Conclusion:

With the listed details mentioned above, it is visibly clear that Blockchain technology has a long wide extent to go in the IT field. Candidates willing to get into this field should definitely try their best to get acquainted with legit Blockchain Online Training. Holding a verified degree would surely open lots of gateways for candidate’s career.

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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.

The post LAP Loan Interest Rates Comparison 2020 appeared first on Today News Spot.

Smartphones come up with new features and continuous updates on specifications and interfaces from time to time. With such rapid changes in technological dimensions, choosing a smartphone within a particular budget range has become a challenging task.

While considering buying a new phone, you might often get confused about suitable specifications to offer you an enhanced experience, unless you are well-informed. Note that every phone has its USP targeted at different user requirements and must be checked in detailed, especially so when you are searching for a mid-range device.

Be it a graphics-rich phone for gaming or the best phone for camera under 15,000 for your convenience, here some of the essential features to should check before selecting a model.

5 Essential features to check before buying a mobile phone

If you are on a budget and looking for the right phone with all updated features, do not forget to check the five essential aspects picked cautiously for enhanced user experience.

1. Display

Since smartphones have become a daily utility device for users and are required in performing crucial tasks, their resolution and pixel density have become essential features to check before selecting a model.

Further, it is also essential if you often stream videos, edit photos or want to experience impeccable visual graphics while playing games. A display of 5.5 to 6 inch with Full HD or QuadHD and a resolution of 1920x1080p or 2560X1440p are thus ideal to go for.

2. Processor

The processor of smartphones varies significantly from one model to another, and includes important determinants like OS version, User interface, Bloatware, and more. If you are looking for the best phone for camera under 15000 or are a heavy user of high-capacity games, edit photos, and videos, or use split-screen often for multitasking, it is preferable to select a phone with Qualcomm Snapdragon 652 or Snapdragon 820/821 processor. Doing so shall ensure a fluid interface experience.

3. Camera

If seeking a camera-centric phone, looking for a phone only with high megapixel (MP) integration may not serve your purpose right. Several other essential factors like aperture, autofocus, pixel size, ISO levels also play a crucial role in clicking pictures with outstanding clarity.

To this end, a phone with 16MP under f2/0 or lower aperture and a higher number of pixels will be an excellent choice.

4. Battery capacity

Since smartphones are required for multi-arrayed tasking in an entire day, a phone that lags in terms of battery power or requires frequent charging is never a suitable choice among frequent users. To enjoy and uninterrupted experience, and to go anywhere without worrying about low batteries, one can consider buying a 5000mAh battery phone with an 18W fast charging feature.

5. Storage

If you are a gaming enthusiast or are required to keep several apps on your phone, download movies, music, etc., you certainly require checking the storage capacity of the phone. Essentially, it is best to look for a phone with 64GB storage to avoid it from running slow or from frequent lags. Also, phones with additional MicroSD slots can help boost storage space.

Though these are the primary aspects to look for, buyers should also check for phone build material, under interface, and OS version for a more updated model.

For a better deal, you can make the purchases from the Bajaj Finserv EMI Network, which provides over 1 lakh selling partners both online and offline.

To make a purchase through any of these partner stores, you would need to avail a Bajaj Finserv EMI Network Card that offers financing of up to Rs.4 lakh for consumer durables purchase. It also enables affordable purchases with product price payable via No-Cost EMIs.

For added financing, be sure to check the card issuer’s pre-approved offers that enable hassle-free and time-saving financing of credit cards, personal loans, etc. You can check your pre-approved offer with essential persona details.

Thus, while some of the best phones for camera under 15,000 are available, affordability is no more a concern with EMI financing. You can hence select a suitable phone with the required features to fulfil your day-to-day smartphone usage requirements.

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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 little coastal town can only be accessed by sea or air since it is situated in the southernmost part of the Panhandle state, a small, narrow, fjord-like tongue of land. The sea buffers it with a string of tiny islands. Despite its remote location, Juneau also visits visitors and curious adventurers for its wide variety of natural and community attractions. To plan a trip to Juneau, contact Alaska airlines reservations or visit the Alaska airlines official website.

Mendenhall Glacier

There is an entirely panoramic view just 12 miles from Juneau city center. The Nugget Falls large stretches to a pool of icebergs and down into the edge of the sea, the Mendenhall glacier’s tongue. The Juneau Icefield, which occupies more than 1,500 square miles of land extends into British Columbia, feeds the glacier about 13 miles in length.

An excellent place to begin your tour is the Mendenhall Glacier Visitor Center, which provides a 180-degree view of the glacier.

Tracy Arm Fjord

This ice-packed glacial fjord, located south-east of Juneau, intersects with a stunning panorama of waterfalls crashing down vertical rocky walls and glaciers tanning blocks of ice to form small mountains. At the top of the fjord are the imposing twin Sawyer Glaciers; their noticeable blue ice is particularly stunning. You can hear about Tracy Arm’s natural history, glaciers, and wildlife by a guided cruise.

In almost the right way, the massive walls of the Tracy Arm Fjord lift from the sea. The fjord is long and reaches into the continent through the National Forest of Tongass.

Glacier Gardens Rainforest Adventure

The Glacier Gardens Rainforest Experience, northwest of the city center, near the Mendenhall glacier, is a part of the botanical center and part of the rainforest excursion describing the National Forest of Tongass. The guided tour of the lower landscaped gardens, including the story of the unparalleled Flower Tower planter from a vast 1984 slide, begins in this forested attraction.

After covering the lower grounds, the patrons sail aboard a free shuttle on Thunder Mountain to see the rest of the 50 hectares farm.

Glacier Bay National park

Glacier Bay National Park is one of Alaska’s most popular Within Passage and occupies more than three million hectares. On land and sea, natural sights and rewarding activities to be done can be found, with a spectacular setting with massive glaciers, temperate rain forests, remote fjords, and rugged coasts. Glacier Bay itself is situated between two headlands where eight glaciers enter the tidewaters. Bartlett Cove is the only location accessible for rent with established hiking trails and branded campsites on the land.

Mount Roberts Tramway

The Mount Roberts tramway will take you to an altitude of 1,800 feet from a base camp near the cruise ship docks. A nature park, a restaurant, a theatre, and a gift shop area at the mountaintop observatory. Following a vertical six-minute journey, tourists would walk along natural paths to get a view of the Gastineau Channel with interpretative details.

Read Also :    How many miles do you need for a free flight on Alaska?

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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.

Businesses are bound to change the existing paradigm of operation in terms of data utilization. Why? Well, times are changing. Data science is mainstream nowadays! If you are not using it you are missing on it. the competition will simply gain more advantage in terms of performance and even reach. Better targeted products can steal your clients and far more efficient services can corner you altogether. However, a business analyst can be your saviour. The BA can make sense of the forever ignored IT, teams’ diggings and draw valuable conclusions previously untapped by the intellectuals!

The Business analyst as a guide

Activity generates data. For a business, the data ranges from production, sales to profit and loss. All of these can come to good use in case of developing and fine-tuning of the products and services, prediction of market trends and devising a new strategy. For making all of these possible a business analyst’s role is the most valuable. With help of business data, a business analyst can lift up crumbling business by adding up small changes into something big.

Unlike the other specializing groups a business analyst must possess a commanding view of the processes of a business. Without a holistic view regarding all aspects of a business, it is impossible to see new plans and programs let alone increase its efficiency. That is the reason every useful business analyst course available online focuses on not just data science but also hands-on experience of working for a  business.

As a coordinator

Before starting as a professional, a business analyst must have some experience of working with a business. One of the best ways of learning about business is to work and learn at the same time. A business analyst additionally should have a working knowledge of statistics and machine languages. Adeptness in blending the elements of IT with processes that run the business is one of the expected qualities of a business analyst.

Using the past data a business analyst can stop history from repeating or even can male history repeat, whatever is good for the business. Coordination between all the aspects and sectors of a business is essential for the efficient performance of a business. The business analyst, due to having access to all the data is the perfect centrepiece of the whole puzzle. The BA should have an idea regarding the performances of different sectors of business. Which grants the power of co-ordination for better efficiency. Knowing the demands and outcomes of different sectors allows for a swift adaptation and navigation through the changing market.

Connecting the dots

A business analyst is most needed where different teams of a business of process lack the bird’s eye view of the whole situation. Due to an analyst’s access and capabilities with business data connecting these isolated dots of efforts becomes a piece of cake. The knowledge can be shared among groups in order to achieve greater teamwork from the different divisions of the businesses. If utilized properly, a business can perform better than before and always remain a step ahead.

For example, By the use of previous data and user feedback, an analyst can suggest changes to the product development team. Can shift the paradigm for marketing the product for better reach and maybe find out new target consumers for better sales.

Awareness 

The role of an analyst is not in the spotlight in our country. The business mindset of the country is reluctant to use data for making businesses better. The big companies and businesses, however, are doing great. Public awareness is the awaited factor still preventing a revolution in the field.

Author’s note

Now perhaps is the best time to act and hon the skills of data analysis and business. The pandemic continues to be a big threat to business worldwide and they are leaning towards data more and more fora smooth survival. An online business analyst course can kick start the process. And if proficiency is achieved placements and jobs are very much within reach.

The future of business analysis and data science in our country is taking a major leap towards greatness thanks to the situation at hand. It was bound to go crazy in terms of utilization anyways but the pandemic has boosted the process. The requirements are higher than ever but there is a clear crisis of skilled individuals. Among all the horrors and desperation imposed by the pandemic proliferation of business, analysis stands tall as an unwanted blessing.

The question is,” Are you ready to grab the opportunity”?

The post How The Role Of A Business Analyst Bridges The Gap Between Commerce And Data Science? 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.

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The applications of blockchain technology across the industry verticals are growing to a greater extent. Almost all industries are experimenting with blockchain to become more secure and transparent.

The main use cases of blockchain technology include smart contracts, supply chains, payment settlements, identity management, data management, and healthcare. Some of the major industry verticals realizing the blockchain benefits include banking, healthcare, marketing, insurance, and the lists add-on.

Here are a few of the predictions:

• The global blockchain market will reach USD 20 billion in the year 2024 as per statistics reports.
• By 2023, common blockchain platforms will be easy to use and access, will support trusted private transactions with required data confidentiality, and interoperate, Gartner, reports.
• Economists and market analysts say that blockchain is the future.
• Blockchain will pioneer a new way of economic development.
• By 2022, digital e-commerce companies like Facebook, Uber, PayPal, and Airbnb will provide mobile-enabled cryptocurrency wallet services and platforms to more than 750 million customers.

The growing adoption of blockchain technology across industries will lead to a rise in a career in blockchain technology and demand for blockchain certified professionals. If you are looking forward to owning a blockchain professional certification, become a blockchain developer, engineer, or leader in the domain, then you are at the right place. Get introduced to the blockchain certifications offered by the Central Council of America [CBCA] here. The uniqueness of CBCA qualifications is that the content is valuable, vendor-neutral, and strictly adheres to the CBCA UBKFTM standards framework.

Let’s understand the impact of blockchain certifications on industries and professionals’ career here.

Adoption of CBCA standards in the organization: The impact

Adoption of CBCA standards in business and organization builds a strong foundation for continued success and sustained growth. Organizations that are compliant with the CBCA Blockchain Technology Development Standards – Release 17.2-2018 will have the highest level of expertise in developing blockchain technologies and applications. A few of the benefits include:

• Optimization of internal value-chain
• Robustness in business growth and diversification
• Increased agility in developing new products
• Expanded innovation capabilities
• Established system for developing world-class products
• Increased value for the organization
• Establishment of performance-driven work environment and culture
• Improved talent retention and trust in customers

Similarly, CBCA provides blockchain certifications for professionals aspiring to establish their careers in the blockchain industry. Let’s understand more about the blockchain certifications here.

Earning CBCA Certifications by Professionals: The benefits

CBCA offers three main certifications for aspiring professionals. They are:

Business Blockchain Professional (BBP)

The BBPTM certification from CBCA enables the certified professional to take blockchain initiatives, implement the right strategies, and propose programs for vendors. The professional gets introduced to the blockchain concepts, their impact on organizations, and covers all the business aspects of an organization adopting blockchain.

Certified Blockchain Engineer (CBE)

The CBE™ program is another best qualification that enables professionals to engineer blockchain technology for business purposes. The CBE™ certified professionals get acquainted with the knowledge to develop blockchain applications for multiple platforms including Hyperledger, IOTA, Hydrachain, Ethereum, Stratis, Lisk, and OpenChain.

Global Blockchain Leader (GBL) 

The GBLTM program is a must for blockchain leaders as the program envelopes the essential aspects of blockchain. As a leader, you can choose methodologies necessary for blockchain adoption, strategize, and govern blockchain in your industry. The implementation of blockchain technology requires an understanding of the technology and the application of specific laws. It enables global blockchain leaders to use advanced analytics, hunt failure models, and conduct due diligence while adopting blockchain in their organization.

To know more about CBCA qualifications, candidacy tracks, and other information, visit the website here. Be the next prized blockchain certified professional! Earn a certification, expand your knowledge, and perspective to leverage blockchain technology for organizational and career benefits.

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Being the capital of Karnataka, quite possibly the most reformist state in India, Bangalore is arranged 3021ft above ocean level and appreciates a lovely atmosphere consistently. Any vacationer can begin his visit from Bangalore with its old fortresses, sanctuaries, gardens and shopping. Terrifically significant vacation spots in Karnataka can be reached inside a day’s excursion from Bangalore. Bangalore was established by Kempe Gowda, the Vijayanagar Chieftain of Yelahanka, more than 400 years back. Be that as it may, antiquated engravings highlight the presence of a town called ‘Bangalore’ before the tenth century AD.KempeGowda constructed a mud post in his city with 8 entryways which loaned their names to various territories inside the stronghold. Inside the post dividers, the city developed into a business sanctuary isolated into territories where individual exchanges ruled every territory. Right up ’til the present time these territories bear their unique names.In 1687 the Mughuls caught Bangalore from the Sultan of Bijapur and gave it on rent and later offered it to King Chikkadevaraya Wodiyar of Mysore. In 1761 Hyderali modified the fortress with stone. It was the fortress of Hyderali and Tipu Sultan. In 1807 the British moved their cantonment from Srirangapatna to Bangalore. The nineteenth century saw Bangalore developing into an authoritative focus and a prime neighborhood. Mysore State was consented to the Indian Union in 1947 with Bangalore as its capital. In 1973 Mysore State was renamed Karnataka.

Garden City Bangalore

Bangalore is famously known as the Pensioner’s Paradise or Silicon Valley of India. Bangalore is otherwise called the “Nursery City” as there are numerous recreational areas where one can encounter the wonderful greenery that the city has to bring to the table. It is a dining experience to the eyes as the whole city is decorated with delightful scenes, blossoms and supports. A portion of the trees across Bangalore are as old as the city itself.

Museums

Bangalore is home to two of India’s most intriguing galleries that are entirely devoted to science. The Visveswaraya Industrial and Technological Museum is arranged on the Kasturba Road in Bangalore, 18 kms from Palm Meadows which includes five exhibitions, specifically Popular Science Gallery, Kimbe Paper Metals Gallery, Children’s Science Gallery, Electronic Technology Gallery and the Engine Hall Gallery.Another historical center that draws enormous groups is the HAL Aerospace Museum, found 8 kms from Palm Meadows and is the second biggest public flight exhibition hall in India. The HAL gallery is standing verification to the development of the avionics business in India, giving Bangalore the status of the “City of Aeronautics”.

Art Culture

Bangalore is a city loaded up with workmanship darlings and aficionados. In the event that you acknowledge craftsmanship, Chitrakala Parishad found 23 kms from Palm Meadows and the Venkatappa Art Gallery found 18 kms from Palm Meadows are the ideal spots for you to find the workmanship culture in the city.

Theatre

Rangashankara, the mind offspring of well known film and theater character, Arundati Nag, restored the rich performance center culture of Bangalore. It is situated a good way off of 30 kms from Palm Meadows and vigorously advances any new ability in the field of theatre.

TRAVEL – ACCOMMODATIONS in BANGLORE

Air

Bangalore International Airport is situated in Devanahalli, 40 kms from the focal business area and 45 kms from Palm Meadows. The air terminal is host to 10 homegrown carriers and 21 worldwide aircrafts associating the city to around 50 objections across India and the remainder of the world.

Train

Bangalore has two significant railroad terminals. Palm Meadows is arranged 18 kms from The Cantonment Railway station, which is a 45 minutes drive. The separation from the Bangalore City Central Railway station is 25 kms, which is an hour drive.

Bus

If you experience issues in organizing a plane or railroad pass to your next objective, or you incline toward somewhat more experience, you can go by transport. There are both government and private transports that run administrations to significant urban communities like Mumbai, Goa, Chennai, Mangalore, Coimbatore, Madurai and so on Transports can be an ordinary extravagance transport, a Volvo A/C transport or a sleeper transport for night travel.

Visa

All unfamiliar sightseers visiting India should be in control of a legitimate identification and visa. The visa should be legitimate for a time of a half year least at the hour of passage to India. Visas can be acquired from Indian Consulates/Embassies in the nation of your starting point. There are likewise sure pieces of India that require an uncommon grant to visit. This will be educated to you at the time regarding booking the visit. Visa charges may fluctuate from nation to nation. It is prescribed to acquire a Multiple Entry Tourist Visa since this rearranges the technique for visiting neighboring nations like Nepal and Sri Lanka. Indians holding unfamiliar travel papers would likewise need to acquire an Indian Visa prior to entering India. The Legislature of India has as of late presented an arrangement of giving visa on appearance to a limited handful of nations on a preliminary premise. These nations are Finland, Singapore, New Zealand, Japan and Luxembourg.

Customs

Visitors having more than US$ 10,000 should fill in a cash announcement structure. Guests may get up to 200 cigarettes or 50 stogies and one liter of liquor, obligation free. Non-donning guns and opiates are restricted, as are gold bullions or coins. The punishments for infringement are hefty. On the off chance that you intend to acquire your own VCR or compact PC to utilize while in India, request a re-trade license from customs authorities when you show up. The grant will be composed into the rear of your visa and except if you can introduce the thing to customs while leaving, obligation will be levied. If the thing has been lost or taken, make a brief report to the closest police headquarters and get a duplicate of the First Information Report (FIR) brought somewhere around the police. Show this report to the Assistant Collector of Customs, who will at that point choose whether or not to exact duty. India limits the fare of collectibles, including unfamiliar made curios and things over 100 years of age. The Archeological Survey of India is the position that decides if things are limited. Guests may not acquire or remove from India anything produced using any imperiled creature species.

Currency

Foreign trade including unfamiliar money notes, explorers checks and drafts drawn on banks in India or bank letters of credit can be brought into India from any spot outside India, unbounded. The acquiring of unfamiliar trade is liable to making a presentation on appearance to the traditions experts in a Currency Declaration Form (CDF) as follows:

(i) Where the estimation of unfamiliar money notes surpass US $ 5000 or same

(ii) Where the total estimation of unfamiliar trade including unfamiliar money notes surpasses US $ 10,000 or equivalent. Bringing in Indian cash of any division into India is precluded.

Unfamiliar travelers getting back to India from Nepal are, notwithstanding, allowed to carry with them unspent Indian money which should be announced. There is no limitation on bringing into India checks/drafts given by abroad banks and designated in Indian rupees drawn on banks arranged in India.

Climate

Bangalore is a charming city through all periods of the year. Summers (March to May) are extremely charming in Bangalore. It offers mellow atmosphere with a most extreme temperature of 34°C even in summers and because of this, the city has the advantage of being considered as a mid year retreat. Monsoons (June to August) are South-West rainstorm periods; a breezy season with gentle to hefty downpours. September to October offers a North-West rainstorm with blustery days. Winters (November to February) is the coolest period with temperature falling close to 10°C.September to February is the ideal period to visit Bangalore. It is smarter to keep some colder time of year garments as evenings will in general get nippy. Walk to August is additionally useful for touring and long excursions to nearby attractions.

Dress

Pack light-shaded attire made of breezy cotton or material. For ladies, humility is unequivocally exhorted. No spaghetti lashes, low profile shirts or miniskirts. Non-uncovering clothing is obligatory at sanctuaries and mosques.

Language

The most basic language spoken in Bangalore is Kannada. Most local people can likewise speak in English, which is the overwhelming language in the corporate world, just as in the neighborliness business. Hindi, the authority and most broadly communicated in language, is packed in the northern states. Dravidian dialects, for example, Telugu, Malayalam, Tamil and Kannada win in the south.

PLACES TO VISIT IN BANGALORE

Vidhan Soudha

Located a ways off of 20 kms from Palm Meadows, Vidhan Soudha is considered as quite possibly the most amazing just as the most glorious structures in Bangalore. It is mostly popular for lodging the Legislative Chambers of the state government.

Cubbon Park

Cubbon Park, which is 16 kms from Palm Meadows, has a plenty of vegetation, impressive chronicled structures and sculptures like those of Queen Victoria, King Edward VII, Major General Sir Mark Cubbon and Chamarajendra Wodeyar.It is where nature-sweethearts, wellness devotees and history specialists could go through hours.

Lal Bagh Garden

Lal Bagh, effectively one of India’s most wonderful greenhouses, is situated a good way off of around 18 KMS from Palm Meadows. It has around 1000 types of uncommon plants and spices. Set on a property of 240 sections of land, the nursery has 4 methodology entryways and is all around ensured with stone dividers that go about as enclosures.

Jawaharlal Nehru Planetarium

The Jawaharlal Nehru Museum which is 18 kms from Palm Meadows, considers quite possibly the most well known vacation destinations in the city. There is a sky theater inside the planetarium, with an enormous vault that has a measurement of fifteen meters. Bangalore PalaceBangalore Palace is arranged in Palace Grounds, around 16 KMS from Palm Meadows, in the core of the city. Underlying the year 1887, by the Wodeyar administration, it is decorated with sublime woodcarvings and Tudor-style engineering on the inside.

WEATHER INFORMATION

The temperatures appeared in the table beneath are demonstrative and dependent on past climate drifts in and around B.

Must Read: Which Water Purifier Brand Offers The Best After-Sales Services?

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A woman’s wardrobe is incomplete without different styles and patterns of kurtis. It doesn’t matter if you are a college-going girl, working woman, or a housewife, kurti is your go-to preference. Fashion designers around the globe are trying to keep the kurti market at pace with endless options and the latest trends. Hence, you get several choices – be it ethnic or indo-western with different types of cuts, patterns and designs. Don’t worry if you are not well aware of all the different styles and patterns in trend right now, we have got you covered.

Let’s get started by looking at some popular and trendy kurtis which we have picked just for you:

1. Anarkali kurti: Anarkali kurti is one of the most versatile clothing pieces for every body shape. You can accessorize it with a pair of pretty jhumkas and a multi-strand necklace. Anarkali kurti is a perfect blend of grace and elegance and looks perfect for almost every occasion like parties, Pooja, daily wear, and any traditional function.
2. Slit Kurti: The hype of Slit kurtis in the fashion world right now is unbeatable. Slit cut kurtis add a touch of glamour and glitz. Try pairing them with a pair of ripped jeans or cigarette pants with some dangle earrings and a chain bracelet.
3. Indo-Western Kurtis: You can make a statement by fusing Indian and western fashion. These kurtis are a perfect fit for non-traditional events, casual parties and evening wear.
4. A-Line Kurti: This is the most preferred piece amongst the youngsters. A variety of A-line kurtis is available in different shades, designs, colours and patterns. These can be worn as daily, college and formal wear.
5. Denim Kurti: Denim has not only conquered the jeans world but also the ethnic world of ladies kurtis. These can be worn as shirt dresses to make a bold statement with some delicate chain necklace and peep toes footwear.
6. Flared Kurti: This trend has put the fashion world on fire by giving a rich look with lots of glam and glitz. Narrow, as well as wide, flared kurtis are available in the market with amazing varieties.
7. Pakistani Kurti: These are long, straight and baggy ladies kurtis picked by a fashionista who loves to try something new every time. These are very comfortable and give a sense of style at the same time.
8. Floor Length Kurtis: These Indian equivalents of evening gowns are becoming very popular for its rich and royal look. They are available with embroidery as well as prints.
9. Printed Kurtis: This Avant-grade kurti trend goes from block print to gorgeous digital print. Just a pair of leggings and printed kurti and you’re good to go. You don’t need any accessory to lift the look.
10. Shirt-Style Kurti: This versatile blend of a western shirt and Indian kurti is the perfect fit for your office look. This makes you look stylish and professional at the same time. A pair of stud earrings and pumps look beautiful with a Shirt-Style kurti.
11. C-Cut Kurti: The front hem of the kurti has ‘C’ shape which looks stunning with some half hoop earrings and a watch. You can wear this at kitty parties, college, or a reception.
12. Double-Layered Kurti: These are designed with an extra layer which gives a pretty ready-made layered look. Markets have a range of these kurtis with both non-detachable and detachable extra layers.

You should give these kurtis a try and match it according to your style.

Kurtis never fails to define the beauty of every woman from the core. They flatter every body type and make you feel confident and elegant.

The post Look Best In All Avatars With These Stylish Kurtis For Women 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.

The Real Estate Regulation and Development Act (RERA), 2016 was implemented in the following year 2017 to eliminate the malpractices prevalent in the realty sector and to oversee its protocols. Other than that, RERA is also responsible for providing quick dispute redressal. In its 3-year term, more than 12,400 complaints have been filed with MahaRERA, the Act’s customised implementation in Maharashtra, out of which over 8,550 orders were passed.

Regardless, less than 10% of refund orders are being executed. As a result, the entire redressal process is stagnating. As per reports, the delay in redressal was witnessed due to several disarrangements, a lack of staff being one of them. So, to tackle it, the regulatory body decided to set up proactive panels to revive realty projects stuck for long.

MahaRERA panels – In a nutshell

The panels formed under RERA Maharashtra comprise consumer as well as developer representatives. Ideally, these panels are developed to facilitate timely delivery of real estate projects.

Above all, these panels serve as a cushion to protect the interests of buyers from property price fluctuations in case the construction is held back.

As a part of their functions, MahaRERA panels are thorough in following the things mentioned below –

• The panels are interacting with financial institutions, home buyers, and building agents who are likely to take over the pending project to finish it in time.
• The regulatory body will be working actively with building experts, financiers, and other concerned bodies to finish due projects in time.
• RERA in Maharashtra is separating projects from their recovery phase when the seizure of builders’ properties stand probable due to stalled constructions.

In July 2019, the regulating body ordered a seizure and subsequent auction of around 253 properties of building agents. Such an order benefitted buyers who were yet to receive property ownership handover as the builders were directed to refund them.

MAHARERA panels – Underlying objectives

The most crucial goal of the RERA Act is to facilitate the completion of a property construction project in time. It is because timely completion of projects is the most effective and sustaining way of providing relief to stakeholders like homebuyers and financial institutions extending funding like home loans, among others.

With the help of this panel set-up under RERA Act in Maharashtra, one can expect a reduction in bottlenecks in the real estate sector. Nonetheless, individuals must make it a point to find out how to file a complaint against real estate discrepancy so that they can receive timely redressal.

Steps to file complaints under MahaRERA

The MahaRERA Act allows homebuyers to file complaints against – promoters, real estate agents and allottees in case of any breach in agreed terms. One can quickly raise a complaint online and seek redressal in the most hassle-free manner.

Step 1 – Go to MahaRERA’s official portal.

Step 2 – Click on the ‘New Registration’ option and select ‘Complainant’ as the user type.

Step 3 – Select username and password and click on ‘Create User’.

Step 4 – Login with the help of new credentials.

Step 5 – After RERA registration, you can access essential personal and residential information.

Step 6 – Navigate to the ‘Add New Complaint’, input your grievance, and provide documents that serve as relevant evidences of your claim.

Step 7 – Click on the payment link to submit your complaint.

Once these steps are complete, both consumer and builder will be asked to visit the MahaRERA office. Subsequently, they will need to provide the required evidences and state relevant facts based on which the regulatory body will provide redressal. With the Act being a homebuyer-friendly endeavour, there are several benefits that first-time homebuyers can experience with RERA in action.

To further improve their home-buying experience, individuals should make it a point to avail housing loans from a financial institution that extends simple terms of repayments.

Trustworthy financial institutions may also provide pre-approved offers to their customers to help them experience a less cumbersome process of financing. Generally, one can avail such offers on home loans and loans against property, among other financial products. Check your pre-approved offer in a few seconds only by proving your name and contact number.

Conditions to raise a complaint under RERA

You must note that one can file a complaint under RERA under these circumstances –

• The possession of property was delayed.
• A buyer was duped by misleading advertisements.
• If the builders demand over 10% of the property’s price as initial deposit.
• Improper registration of the property.
• Prominent structural defects in the property.
• If project details are not uploaded on MahaRERA’s e-portal.

Gaining a fair idea of the functionality of the RERA panels and the steps involved to raise a complaint proves useful for all homebuyers, especially urban residents who can get a house under PMAY.

Lastly, it can be expected that setting up proactive MahaRERA panels will help resolve real estate-oriented issues and streamline the process of providing timely redressal significantly. Subsequently, it is vital to know the process of filing complaints accurately and to the right authority for timely and effective redressal.

The post Everything about Panel Set-up Under MahaRERA to Revive Stuck Realty Projects appeared first on Today News Spot.

1. Before picking any course or certification, you have to check its value in the market so that you can determine its significance for yourself. The same goes for AWS certification. While many people are already opting for this, you must know how it can benefit you regarding the current market. To understand its importance, you first need to learn about the trends in cloud computing. Let’s begin with that information.

The Emerging Cloud Computing Technology

Nowadays, almost all small and big organizations function on cloud platforms. The technology provides them with the following benefits:

• Quick Operations: Reports show that approximately 50% of enterprises have noticed a rise in their operating speed after moving to cloud computing. This usually happens due to the faster processing of online platforms.
• Better Security: Privacy and security have become the two most notable concerns for every organization. They need to make sure that their data is secure from any intrusions at all times. Otherwise, they will have to suffer from both monetary and reputation losses on a large scare. Cloud computing has enabled them to achieve this security without any hassle because services like AWS have the best security experts in their teams.
• Improvement in Agility: This is a vital factor as it directly affects the enterprise-customer relationship. According to the reports, it is seen that 70% of IT professionals believe that their system has become more agile with the help of cloud computing.
• Cost Reduction: Cloud computing significantly reduces the overall cost required for data management and storage. As no in-house infrastructure is needed in this case, the cost of setting it up and maintaining it gets cut.

These were the four most common reasons why organizations now prefer cloud computing platforms. You must be thinking about how all these factors affect the significance of the AWS certification course for you. Let’s move on to that.

Significance of AWS Certification Training

The rise in cloud computing demand made enterprises look for a reliable platform that they can trust. This is where AWS stood out with its IaaS (Infrastructure as a Service), PaaS (Platform as a Service), and PaaS (Software as a Service) models. So more and more organizations began opting for AWS. It led to some changes, including:

1. Hike in Requirement for Professionals

As all organizations began selecting AWS services, they realized a shortage of people who expertise in the AWS system. This brought the position of “AWS professional” into the high-demand category. You can conveniently become eligible for this designation by getting a relevant AWS certification. It will serve as proof that you understand the functioning of the cloud infrastructure, and you are capable of handling it well.

1.Opportunities in Different Domains

AWS professionals are required in different domains, such as finance, banking, retail, healthcare, insurance, or government. It means you can pursue a career in any of these sectors with proper AWS training and certification. Along with this, you can also seek opportunities for managing, developing, or executing the cloud computing services according to your preference.

2.Higher Paychecks

With the growing demand for AWS professionals, organizations begun raising their paychecks. Despite this factor, there is still a lack of experts in the market. So you can conveniently get better pay compared to other technical roles after pursuing suitable AWS certification training.

3.Future Scope

AWS is currently one of the biggest cloud providers worldwide, and this isn’t something only claimed by the company. Even the stats show that AWS controls the cloud market on a much more extended scale than its competitors. Further, the growth of the company states that this control is just going to increase in the coming times. Hence, you can sign up for a promising future through the AWS certification course. In case AWS doesn’t provide you with the desired results, there will always be scope for cloud computing.

Lastly, 

Now that you know about all the benefits you will get with an AWS certification, you should opt for it right away. Now is the best time you can make the most out of this training because you will get enough opportunities for showing your talent and knowledge to grow in your career. So check out the available certifications and see which one will be the most suitable for you.

The post Why Getting AWS Certification Is Significant? appeared first on Today News Spot.

There are times when life throws unexpected financial surprises at us. Tackling those one-off financial emergencies seems too challenging a task, prompting us to rush for a property loan as quickly as we can. However, while rushing for a loan, you may overlook the interest rates and hence, pay more than what you should, ideally.

Read this article to know about the best ways to get the lowest LAP loan or loan against property interest rate.

Choose a Reputed Lender

The first guideline is the simplest. Browse the interest rates offered by various lenders, filter out the ones offering lowest rates, contact them over the phone or visit their branch office, and apply for the LAP loan online or offline. However, it is not always as uncomplicated as it sounds.

If you want to get the lowest loan against property interest rate, you should look beyond the interest rates. A lender may charge you on several grounds. Be it loan processing fee, prepayment charges, or late payment penalty; a lender knows various ways to get the money from a borrower. If you choose a lender who offers lower interest rates only to charge you later, then it defeats the purpose of getting low rates.

Hence, to avail low loan against property interest rates, you must choose a lender who discloses all terms before you apply for a LAP loan.

A High Income Means Low Interest Rates

Loan against property interest rates depends on various parameters. The two most important parameters are monthly income and the stability of income. When it is about income stability, lenders often offer the lowest LAP loan interest rates to salaried professionals with an uninterrupted work experience of two years and more. Also, you need to work with your existing employer for at least a year until the loan application. If you are self-employed, you must have an excellent track record of profit in the previous two years. The lender will evaluate your documents to verify the same.

Hence, having a high and stable income is often considered as a surefire way of getting a low loan against property interest rate.

Look Out For Festive Offers

Lenders often run seasonal offers during the festive season, winters, or summers. As a wise and informed borrower, you must keep your eyes and ears tuned to receive such news. Back of the envelope estimates suggest that lenders offer a minimum of 0.5% to 1% discount on LAP loans during the offer period. Since a Loan against property offers you an extended loan term of 20 years, even a 0.5% reduction in the interest rate can result in mega savings.

Trust the Lender You Have Been in a Relationship With

Quite often, you will find borrowers juggling among lenders to get the lowest loan against property interest rates. But, while doing so, they often overlook the fact that a lender might offer discounted interest rates to an existing customer than to a new borrower. Hence, if you want to get low LAP loan interest rates, consider negotiating with a lender, you know already.

Have a 750+ Credit Score

A 750+ credit score can almost always guarantee a low loan against property interest rate. The credit score assures the lender that you have a credible track record of repaying loan EMIs. Hence, they go as far as they can to offer you the best rates.

Conclusion

Getting the lowest LAP loan interest rates is not that difficult when you follow the tips mentioned in this article. However, before choosing the right loan term and lender, ensure that you use a loan against property EMI calculator to calculate your liability in advance.

The post Guidelines To Avail Better Interest Rates On Loans Against Properties appeared first on Today News Spot.

Medical expenses in India are becoming more and more expensive every year. But no matter how expensive they are, people do their best in financing the medical treatments for themselves and their loved ones. If there is an emergency medical situation, then one does everything they can to arrange finances for the treatment and get the best doctors available in their limits, irrespective of how big the medical bills are. Usually, people get different health insurance for their family but not every kind of treatment is covered in it, and it gets difficult to pay for those kinds of bills. To help people in these types of situations, Bajaj Finserv is offering a great product known as the Bajaj Finserv Health EMI card. 

Bajaj EMI health card is a unique payment solution that allows customers to pay all kinds of medical expenses for themselves and their family into easy EMIs. It is similar to the EMIs one creates for goods and services, which makes it an easy and affordable option for customers. Bajaj Finserv Health EMI card has more than 5000 partners in over 1000 plus cities all over India. Some of the most famous ones are Apollo Hospitals, Manipal Hospitals, VLCC, Sahyadri Hospitals, Dr. Batra’s, Grant Medical Foundation Ruby Hall Clinic, etc. It is a complete health solution silver care which not only covers the majority of medical treatments, but it also covers treatments that are usually not covered under regular health insurance. Some of them are dental care, eye care, diagnostic care, stem cell treatment, maternity care, slimming treatments, hair transplantation, cosmetic and plastic surgeries, and many more. One can use this card for all kinds of hospitals, pharmacies, and diagnostic bills and convert them into no-cost EMIs. 

BENEFITS OF BAJAJ FINSERV  HEALTH EMI CARD:

• The card comes with a pre approved limit of up to Rs. 4 Lakh for current Bajaj Finserv EMI network card customers. This limit is usually up to 4 times the existing limit of the customer’s EMI network card.
• The EMI network card is a digital card and gets activated instantly after applying, so the customer can use it now. It is convenient and fast. 
• The Insta Bajaj EMI health card gets instantly activated by just paying a one-time fee of Rs. 707, which is inclusive of taxes. There is another type of health care known as the Non-Insta Bajaj EMI health card that has a one-time joining fee of Rs. 589.
• Customers can use it to pay medical expenses for all their family members like parents, spouse, brothers, sisters, and children. 
• The EMI network card gives flexible payment options to their customers for paying the medical expenses with EMIs with a tenor of up to 24 months. 
• The best part is that the existing Bajaj Finserv customers don’t have to submit any additional documents to apply for this product. New customers have to submit KYC documents and NACH mandate.
• Customers can use this card anywhere in the country, in any city or state within India, no matter where they got the card. They can swipe the card at pharmacies, hospitals, hair restoration clinics, slimming centers, dental clinics, etc. They also get easy access to their digital card through the Bajaj Finserv wallet app.
• Bajaj Finserv Health EMI card gives their customers complimentary personal accidental insurance of Rs. 1 lakh per year. Also, customers get discounts at various places such as flat 30 percent off at Medlife, up to 20 percent off on pathology tests at Metropolis Labs, and up to 15 percent off at Apollo Pharmacy.

BAJAJ FINSERV  HEALTH EMI CARD ELIGIBILITY

Existing Bajaj Finserv Health customers who have an EMI network card can go to the Bajaj Finserv Wallet app and get their Health EMI Network Card. If someone is a new customer, they can get their Bajaj Finserv Health EMI card at any of the partner stores around them, or they can go to a partner hospital, clinic, or medical center.

Overall, the Bajaj EMI health card is one of the best products in the market that provides easy financing options for one’s medical expenses, which can divide the cost between treatments, medicines, and also diagnostic tests in just a few minutes.

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A black swan was still something that the world leaders had expected, but a pandemic that would change the whole way to live and work- we never saw it coming. The whole 2020 is gone in experiencing the effects of it and we still don’t know when will this come to an end. As we are treading towards the future, we are seeing the ‘work life balance change’ to ‘work life merge’. In this whole process, if there is one thing that has helped businesses the most in keeping their people together and motivated to work from their homes then it has to be HR software and online payroll software in India.

Remote work was made possible through the help of technology and undeniably HR software has a big role play. Just like employees have upskilled themselves to serve and support their organisations in a better way, the same way HR software too have upgraded themselves in terms of features.

So, in this blog we will discuss how HR software is helping hybrid workforce thrive. Let’s begin!

Mobile App- A mobile app has been of great help when it comes to giving everyone in a company the ease to check all the updates on mobile and even market attendance through it while they also get push and pull notifications for it.

Whatsapp Connect– This feature was also introduced by some to add comfort and make communication swiffer. Whatsapp notifications are now delivered for employees as a reminder to check on the app or the activity they need to look at.

Engagement tools– HR software introduced a list of features to keep employees in touch with their peers, managers and leaders. For instance, badges and rewards to appreciate each other and chat to have one on one and group discussions.Besides, it has features like announcement and more to increase engagement and not let it go for a toss.

Remote payroll processing– Online payroll software India has been of great help when it came to ensuring that every employee gets their right salary amount to their accounts in time. Before this, the companies were also following a cash system for salary payment but those who were using online payroll software in India that are cloud based faced no sudden worries like them.

Continuous listening– When employees are working from home and the social activities are limited to nothing or little, and the anxiety issues are peaking, it is the responsibility of employers to keep in touch. But, how do they talk to everyone working everyday? Some HR software walked an extra mile and introduced pulse and survey features that can really help the employees in letting the employer know what is worrying them and gauging the mood of employees. This helped the employer show love, care and support in time.

The Way Ahead

Companies have in the start reacted differently to this workmodel but with time they have accepted as mostly this work model has impacted businesses positively. There are companies who find work from home so productive that they have extended it till next summer or whole year. In future, the workplaces can become the places where we come together to brainstorm and share ideas once in a while. This is why companies are actively investing in digital tools.

In future in terms of tech, we can expect more AI integrated HR software would be there. Big data will also be worked upon so that the same can be used by leaders to connect in a much better way. The kind of data that tells them how much they need to improvise in which area, where they can invest more, where they should hold back. Basically, the new distributed and remote work model is in the making for the future and technology is going to rule it!

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In case your dentist has recommended a root canal treatment (RCT) procedure for your tooth (or teeth), it means that your tooth has been infected in some way. Rather than extracting the whole tooth, the root canal procedure allows for the infected pulp of the tooth and the nerve (the root) to be removed, thus eliminating the infection. 

As a result, your tooth remains intact and has to be filled in with a normal filling procedure after the root canal is conducted. Since the “shell” of your tooth (even with the filling) may not be very robust, a crown or a cap is affixed after the filling is done. This will ensure the protection of your treated tooth. 

In RCT of teeth price varies as there is no regulation for the procedure, and different dentists may charge different rates. The cost of a root canal procedure also depends on what kind of cap or crown you choose for your tooth. 

Ceramic ones look like your teeth and cost more, while metal ones, not so appealing in the looks department, cost less. Any dental procedures or the ones that require some detailed devices for the teeth may vary in cost, as there is an array of options to choose from. For instance, teeth braces cost anywhere from 15,000 INR to 50,000 INR, depending on their type.

Root Canal and Pain

Several people shy away from a trip to the dentist due to the pain they associate with the probable discovery that they have tooth decay. Worse, they refuse to visit a dentist even if they have a lot of pain in their tooth because they fear an impending root canal procedure. 

If you have been putting off that dentist call because of fear, and you are taking pain medication for your tooth, it’s time to go to the dentist. The procedure will likely involve you taking some antibiotic medication to tone down the already-existing infection (causing the decay and pain). You may have to be on medication for a few days before the actual procedure. The pain will reduce, and so will the infection and the inflammation.

In case of pain, the dentist will prescribe anti-inflammatory medication such as Ibuprofen. Before the procedure, the patient will be given an anesthetic, and that will make the area of the infected tooth numb. The patient will feel no pain at all, just the pressure similar to that felt while experiencing a tooth being filled. In case a root canal procedure fails, which is almost never the case, you can undergo the procedure again.

After the Procedure

Just after the procedure, as the anesthetic wears off, people report a feeling of sensitivity or tenderness near the area of the tooth. Some experience pain too, but most find relief with Ibuprofen and Paracetamol medication. This is due to the fact that the tissue that surrounds the gums stays swollen. Although the nerve root has been taken out, small nerves in the ligaments around the tooth are still present. 

The nerve endings of these may cause some pain and discomfort. In some instances, dental instruments used to clear and clean the canal of the root may inadvertently damage the sensitive tissue. Pain can come if the filling that the dentist has done is not leveled off in line with the teeth as well. Endodontists are experts at doing root canal procedures, and home remedies like application of an ice pack to the area and saltwater gargle also provide relief. 

Root Canal and Teeth Braces

Most people who need teeth braces, and have already had root canal treatment done before are worried that their teeth will not become aligned with the brace structure. If the root canal has been done soundly, there shouldn’t be a problem with getting teeth aligned with braces after a root canal procedure. Teeth normally go through some pain and discomfort while they are getting aligned with metal braces, but this can be treated with over-the-counter medication. Advancements in metal braces make them virtually painless, but ceramic teeth braces cost more and look better.

You may want to check out an easy payment option that meets your medical expenses across all medical fields, from dentistry to oncology and diagnostics. The Bajaj Finserv Digital Health EMI Network Card is a unique solution that breaks up your medical bills, be it pharmacy, diagnostic, and/or hospital charges into easy EMI payments. With 5,500+ medical partners spanning 1,000+ cities, you are sure to find the healthcare that best suits your needs, making it cost-effective for you.

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A prosthetic wrist is an integral component of any upper limb prosthesis, whether for transradial amputees or for transhumeral amputees. Prosthetic wrists help in the attachment of the terminal device to the forearm of the prosthetic arm and also allow pre-positioning of the terminal device according to the needs of the amputee, which is especially required for transhumeral amputees or amputees with very short transradial residual limbs who have less than 50% of residual limb length and therefore, active supination and pronation is absent. As compared to the anatomical wrists, the range of motion exhibited by prosthetic wrists is limited and is accomplished mechanically through different joint mechanisms, varying with the type of wrist configuration being used.

Like any other upper limb component, prosthetic wrists are also of different types – passive, mechanical wrists and active, electronic (also called as myoelectric) wrists, used with bionic arms or hybrid prosthetic systems.

The passive, mechanical wrists are used along with body powered terminal devices that are operated through the use of the amputee’s residual limb motions, harnessed through control cables either single (transradial) or double (transhumeral). Amputees using these passive wrists have to manually position and adjust the terminal device as well as the wrist, using their contra lateral limb or their surroundings. Also, these wrists are accompanied with either friction levers or locking mechanisms to limit wrist movement after locking.

The active, electronic wrists usually consist of electric motors and electronic or pneumatic actuators that provide external power through different power sources to operate the prosthetic wrists and the terminal devices. The most common method of operating powered wrists is through electromyograhic signals picked up by electrodes placed over residual limb muscles. A battery is used as the power source in these electronic wrists. These myoelectric wrists can either be single units, that can be used with different terminal devices or they can be incorporated with the arm/forearm part or the terminal device of the prosthetic arm. Like most common bionic components, these electrodes are placed on agonist-antagonist residual muscles and the amputee is asked to perform phantom motions to produce EMG signals that will be picked up by the electrodes placed on the limb.

There are different types of myoelectric wrists, based on the type of function or motion that they provide. They can provide the amputee different degrees of freedom (1, 2 and/or 3) in different planes and configurations. The more degrees of freedom a wrist will perform, the more actuators will be required to control these motions, usually leading to an increase in the weight, complexity, length and cost of the wrist displaying multiple degrees of freedom. This poses a problem with upper limb amputees, especially those with longer transradial limbs as there is a limitation in the space available for fitment of the wrist, leading to further constraints in motion. Moreover, ongoing researches are still attempting to investigate better ways to achieve the simultaneous control of wrists exhibiting multiple degrees of freedom.

The primary function of any powered wrist is to imitate the functioning and working of the anatomic wrist and fulfill the needs and requirements of the amputee with respect to performing ADLs using their terminal devices. These wrists also reduce the forces that are applied on the residual lime during arm movements. Another major benefit obtained with the use of myoelectric wrists is that they increase patient comfort and minimize the occurrence of overuse injuries that occur due to increased compensatory movements that occur at the torso, shoulder and elbow joints.  This is mostly due to the pre-positioning benefits offered by the myoelectric wrists.

The current myoelectric wrists work on the sequential control mechanics whereby 2 control sources are used; one that is used to select the motion and the other to control the motion.

Future Directions

There is a need to carry out and document more research in the area of myoelectric wrists. Current powered wrists need to be modified and made light-weight to reduce the torque that decreases the lifting capability of the prosthetic arm for higher level amputees. A major constraint while using the active wrist systems is the lack of control sites for offering simultaneous control. Moreover, powered wrists can only perform single degree of freedom currently that is supination-pronation. With respect to control mechanisms, each powered wrist joint requires an additional source for proportional control motion.

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Business Analytics courses that focus on recent trends in CAPEX and OPEX models are slated to be the biggest enablers.

Today, we can do so much more with data and analytics compared to the trends way back in the early 2000s! If we closely monitor each of our online operations, including on social media, we would realize the kind of data and types that Big Data aggregators actually have managed to lay their hands on– and that too, for dirt cheap prices and no major challenges. For example, the likes of Microsoft, the Facebook and Google data management techniques are considered to be the world’s smartest data hacks for startups to follow. In exchange for quality conversation, real-time advertising and other simplified customer experience models, the Big Data Aggregator have turned the tide on data management — the kind of data trail we leave after every online interaction is mind boggling, if not overtly overwhelming.

Why Pick Business Analytics Courses in 2021

Irrespective of your educational background and stream of specialization during graduation or PG, anybody can start training in the Business Intelligence field. The certification from Business Analytics Courses would channelize your specialization to fit skills with analytics in the major companies that hire for talented BI professionals.

Top Blogs: Top Data Analytics Companies in India

I have picked the top 3 industries for you that are hiring top BI talent with plain graduation.

Retail 

A majority of the market research firms found out that the retail sector is under sever duress due to the slowdown and ongoing recessions. The COVID-19 crisis has further blocked the sector’s growth with so many brick and mortar / physical stores being closed, or migrating to online stores.

The top players are hiring certified business analytics professionals to understand how the trends would shape up once COVID-19 lockdowns are totally lifted. The companies that did well through online / e-commerce selling are the ones who hired top quality BI BA professionals ahead or during the pandemic.

Cloud SaaS Businesses 

Cloud SaaS business vendors are among the top influencers and customers of Data Analytics and BI tools. These tools not only help Cloud makers to focus on emergent technologies but also keep a track of where data science trends are heading to in the near future. Cloud Analytics in Cloud computing makes use of highly responsive analytic algorithm in the Cloud ecosystem, meaning that the trainers get a highly professional and secured training platform, certified by the top players in the business. These include Oracle, Microsoft, IBM, SAP, SAS Analytics, HP, Tencent, Salesforce, and Uber.

56, Edge and Mobility

Internet of things is a big driver in the modern context of training with top Big Data and Business Analytics courses. A majority of professionals who enroll for certification courses in AI ML BI are either working with online data science projects or plan to do so in the next 6-12 months. Pick data science programming and analysis with Python, Octave, R, and Julia, and others.

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Usually, the cost of pursuing higher studies abroad is quite expensive and to pay for it many aspirants look for external financing such as an education loan. For instance, the cost of pursuing a course in the United Kingdom can cost anywhere between Rs.19 lakh and Rs.39 lakh based on the selection of an academic course and University.

However, the chances of availing such a loan depends significantly on the CIBIL score of the guarantor backing up the applicant. It is because the score serves as a summary of an applicant’s credit history and his/her track of previous repayments.

Consequently, financial institutions prefer applicants who carry a credit score of more than 750. It often limits the chances of many in availing loan approval, restricting them from funding their higher studies abroad.

Nonetheless, with the availability of secured financing options like education loan against property, individuals may avail funds at a low credit score. Furthermore, such a funding option extends user-centric features and benefits that allow individuals to meet their requirements quickly.

CIBIL score and education loan against property 

One must, nevertheless, note that a high CIBIL score can come in handy in more than one way for borrowers. For instance, individuals with a high credit score are more likely to secure a lower interest rate and better terms of repayment than most others.

Also, there are plenty of ways through which one can improve his/her current CIBIL score eventually.

Nevertheless, one must become familiar with the factors that impact the CIBIL score. For instance, the following factors impact one’s CIBIL score to a great extent.

• Repayment history accounts for 35% of this rating.
• Credit utilisation ratio makes up 30% of the score.
• Loan tenure acquires 15% weightage.
• Credit mix and CIBIL score enquiry makeup for 10% of this score.

One can take measures to improve this existing credit score by taking care of a few factors. The most effective means include –

• Repaying debt in time.
• Keeping credit utilisation ratio below 50%.
• Maintaining a diverse credit mix.
• Limiting the number of loan applications at a given time.

Hence, individuals with low credit scores can avail an education loan against property from a lender who extends credit against a low CIBIL score requirement. Nevertheless, individuals may consider improving their credit score through healthy practices for financial management and avail multiple benefits while applying for a financial product.

Education loan against property – A better alternative to finance higher education

The following few features make an education loan for abroad studies a suitable financing option.

• Simple eligibility 

Being a secured credit option, a loan against property is made available at simple eligible criteria. For instance, leading financial institutions consider salaried applicants between the age of 33 and 58 years with a stable source of income eligible for this loan.

Also, the CIBIL score requirement for an education loan against property is comparatively lower than most other unsecured financing options. Nonetheless, one must check education loan eligibility against the property before applying for it to minimise the risk of rejection in general.

• High loan value with zero restrictions to use

Leading financial institutions provide up to 75% – 90% of the mortgaged property’s market value as the loan amount. Notably, this amount can go up to Rs.3.5 crore for self-employed applicants and Rs.1 crore for salaried employees.

The best feature of this loan is that it does not impose any restriction on how the borrower uses these funds. It allows students pursuing higher studies abroad to account for expenses like – food, lodging, transport, stationery, etc. Consequently, it will enable students to manage their finances better while studying abroad.

• Flexible repayment tenure

Leading financial institutions offer this credit at flexible repayment tenure that allows borrowers to plan their repayment and streamline it accordingly. For instance, usually self-employed applicants get up to 18 years to repay the loan.

However, one must note that the tenure plays a significant role in deciding property loan interest rate and monthly EMIs. So, one should factor in those aspects as well to make the most of such financing before applying for a loan against property.

Other than these, leading financiers also extend additional facilities like loan balance transfer and top-up loans. With a balance transfer facility, one can lower their loan burden by switching to a new financier. Likewise, the top-up loan feature helps them to avail additional funds to meet ancillary requirements.

Also, the lenders provide tailor-made pre-approved offers to customers that make the process of availing a financial product less time-consuming and simple. Usually, these offers are available on multiple financial products like loans against property and home loans. You can check your pre-approved offer by sharing details like name and mobile number.

With all these aspects in mind, individuals can proceed to apply for a suitable funding option, preferably a loan against property, to fund higher education. Simultaneously, they must also make proper arrangements to ensure timely repayment of the advance and improved financial management.

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To celebrate any occasion, the cake is a popular sweet dessert among people. It takes place a big part of all events. It is considered essential for a celebration such as a wedding, birthday, and other parties. Online is the exact choice for people who like to celebrate occasions differently. You can send cakes to ludhiana online. There are huge numbers of available in the city. Online cake store provides varieties of sweets for each celebration in the destination. It assists people to convey feelings with the gift. Also, it brings more happiness on the occasion which let you enjoy a lot in the event.

Sending sweets to any area in the city is a simple task these days. With the help of online bakers, you might send yummy cakes to someone. It is the best way to add romance to your relationship. Online cake delivery service provides several choices for customers. However, it assists you to spend the celebration with a delicious sweet.It allows you to send a surprise gift to a special person at the celebration. It brings a smile to the person’s face. It let them enjoy the whole day and get wonderful memories of their life.

What you might buy with cakes to makes the event more special?

There are lots of ways to celebrate the occasion more special. Online bakers provide different gift options for customers who wish to send wishes in the city. You might check out available choices before placing an order. Bakers mostly deliver freshly baked items to their customers. They provide a guaranteed solution for every client. They provide add on options for the celebration. In addition, you can purchase items easily within few minutes. It helps you host occasion grander in the destination.

Online cake delivery is a popular choice among people. It assists people to shop for the best and amazing cakes on your limited budget. It allows you to undergo deep research and place orders. It helps you find items from the different flavors at a lower cost. You can also purchase good quality the item and send it to your dear one address. It allows you to send gifts with a lip-smacking cake to a certain area in Ludhiana. It brings happiness and joy among everyone on the occasion.

Is an online cake shop offer same day delivery?

Online cake delivery provides several choices for buyers to send cakes to ludhiana. It is very simple to place a cake order. Online bakers offer different services for clients at a lower cost. They provide the same day delivery option for buyers to select wonderful gifts. It assists you to save cost and time on sending sweet to the celebration. It is the sweetest gift among other gifts. Professionals deliver the gift to a certain destination on time without damage. They also provide a last-minute ordering choice for clients. So, choose the best cake shop and place an ideal cake for the upcoming celebration.

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Property tax also referred to as land tax or millage tax refers to yearly taxation where a property or landowner needs to deposit a specified amount of money to their municipalities or state government. The amount and percentage of land tax that your property qualifies for vary depending on the state or region of its location.

Apart from this millage tax, new property buyers are also eligible to pay TDS on property at a rate of 1% on a property’s value.

Types of property 

Before you learn more about house tax in Delhi or any other major Indian metropolitan city, you should understand the various classifications of property in India. 

Listed below are the divisions –

• Personal property – These are any personal assets that you own. For instance, land or building.

• Land – This refers to a plot or empty land that you own. Keep in mind that such a property does not include any construction on the owned plot.

• Improvements on a land – This is a type of property where you are modifying or creating aspects on an owned plot, increasing its overall value in the process. For instance, construction of buildings is an example of this type of property.

Types of property taxes

In India, you only need to bear taxes on a property in two cases. These are – 

• Land or millage tax

This is a yearly tax that property owners must pay. The rate of this taxation is determined by the local government or Municipal Corporation. This tax is calculated based on the valuation of the property.

The formula for the property tax calculation is –

Property tax = Built-up area x base value x type of building x floor factor x category of use x age factor.

Property tax receipts may be necessary to avail mortgage loans like a loan against property. 

A few HFCs require minimum documents like mortgage documents, OVDs for KYC, proof of income, etc. when borrowers apply for a loan against property.   

Reputed HFCs like Bajaj Housing Finance Limited provide such loans at attractive rate of interest and terms. Borrowers can use such a loan for multiple purposes. 

The company also provides pre-approved offers to simplify the loan application process. Check your pre-approved offers by providing your phone number and name.   

• TDS on property sale/purchase

When you sell your immovable asset, the government imposes TDS on the entire amount or the first instalment. The rate of deduction is limited to 1%. When discussing TDS on property, one must understand that the buyer is eligible to pay this tax on behalf of the seller.

Moreover, as a buyer, you have to pay TDS on property purchase above 50 lacs. Also, the tax liability is not limited to 1% of the sum exceeding Rs.50 lakh, but on the whole amount. 

For instance, if you buy a property at Rs.55 lakh, you would need to pay 1% TDS on the entire Rs.55 lakh and not on the Rs.5 lakh exceeding the minimum requirement for taxation.

How are the buyer and seller responsible for TDS on property?

The property buyer must undertake a few steps to ensure TDS applicability after such a purchase of immovable property. 

Here are some points he/she needs to perform –

• Deduct TDS at 1% while paying the property seller.

• Collect PAN details of the seller.

• Fill up Form No. 26QB by providing all essential data of the property purchase.

• Deposit the TDS amount through online payment during the submission of Form 26QB.

If you fail to clear the TDS payment during the form submission, you can initiate the same at any authorised financial institution. Nevertheless, you must do so within 7 days from the form submission.

A property seller needs to perform the following actions for TDS on purchase of property.

• Provide their PAN details to the property buyer.
• Ensure reimbursement of TDS amount while filing their taxes at the end of the financial year.

While TDS can be paid via the official portal of TIN NSDL or a financial institution, property taxes can be paid online or offline. Taxpayers can visit the concerned municipal corporation/council or its official website to pay the latter.

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