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Andy Gabriel

Andy Gabriel has 77 articles published.

5 Reasons Why Companies Should Take a Business Loan

in Business
Reasons Behind Taking A Business Loan

An adage indeed says, “You have to spend money to make money.” This statement relates to every business. When you are into a business, you need finances to develop it along with the maintenance of ongoing projects. It may be marketing, buying equipment, enhancing the infrastructure facilities, recruiting new staff members, or expanding the business; every single thing needs finances.

Does it seem feasible to manage all these finances from out of pocket expenses? Of course not, especially when you are the sole owner of the business. And here comes the necessity to get a business loan. This loan fulfills all the business expenses requirements for the owner. Here are some of the reasons why people take a business loan.

5 Reasons Behind Taking A Business Loan:

Some of the reasons behind taking a business loan are as follows:

1. For investment in assets: 

Financial Institutions are likely to give business loans if your business is making considerable profits, and you want to expand your operations. The first necessity in the process of business expansion is real estate. Secondly, you need to renovate and restructure the existing business space. Think of the assets you may require; Machinery, inventories, software, computer devices, etc. Business loans can lease or buy specialized and customized machinery, which in turn adds to the productivity of your business. Moreover, business loans also assist in the purchase of new office premises or company vehicles.

2. For availing tax benefits: 

Business loans in India are rendered with a variety of interest rates. The government categorizes this interest amount as an expense for loan funding with a purpose to develop and maintain the business. Therefore, the interest amount paid on loans can be claimed as a tax-deductible expense for the company. At the end of a business term, the interest is deducted from overall business profit while calculating the tax liability. And the best part of this is that there is no maximum limit set for tax-deductible expenses.

3. To restructure the debts: 

Pay your debts on priority. Mortgages are a part of every business, but paying them on time is advisable to prevent financial problems in the long run. It may happen that you don’t have cash on hand to pay them. Moreover, it is tough to keep an eye on every debt. You may miss the track of your debts and end up taking more debts. Therefore, restructure them at the earliest with the assistance of business loans. 

4. For launching new products and funding the marketing campaigns: 

A considerable working capital goes into launching new products and marketing them. You step into a new market during this process. This demands a lot of research as well as execution. For example, you want to launch a new energy drink in the market. In this scenario, many competitors are selling the same products. In addition to this, you need to research on current consumers of energy drinks, the nutritional value of your drink, serving sizes, ingredients, rates, etc. Similar process goes behind any new product or service. This requires a substantial amount of working capital. And this is the reason behind taking a business loan.  

5. To improve terms on a more substantial loan in the future: 

Once you start taking small business loans and progress further in your business, the financial institution is willing to give you bigger loans. Furthermore, you can provide a business loan application for longer terms, i.e., 25-30 years. However, the first loan that an institution offers you has lower amounts and shorter duration. But as the credibility of your business increases, you can avail of business loans of higher amounts and longer terms. But before submitting the loan application must check the business loan eligibility for that.

A business is always susceptible to risk, and you never know when you will require more finances. And thus, it becomes essential to avail business loans and gain financial stability to make your business prosperous.

Read More:

Know About Availing A Personal Loan Based On Salary
Avail Subsidy Under Pradhan Mantri Home Loan Scheme 2020
4 Important Factors That Decide Your CIBIL Score

12 Packing Tips You Will Want For Your Next Trip

in Travel
12 Packing Tips You Will Want For Your Next Trip

Do you have a big trip coming up? 

Are you excited? 

No? Why?

The prospect of travel excites some, but in contrast, it haunts others. Change is a good thing. Stepping out of your comfort zone every once in a while to explore somewhere new is a good thing.

Life begins at the end of your comfort zone. – Neale Donald Walsch

So why does traveling freak some people out? The answer is packing.

Whether it is an impromptu weekend getaway or a month-long trip, packing for a trip can be quite exhausting. The sheer anxiety of making sure that you pack everything you need can take quite a toll on your pre-travel excitement.

Travel is all about keeping it light and breezy. You have limited choices, so you have to be wise with your picks. It is quicker, easier, and more convenient; what is there to complain about?

We have compiled a comprehensive list of travel tips that will help you immensely on your next trip. Whether you are a frequent traveler or a newbie about to embark on your first solo trip, this guide will help you learn how to pack smarter without the stress.

So, are you ready to head to your next destination? Let us get started.

1. Make a list

Always start things off by listing the things you need. Start with the basics like clothes and other essential items. Then, move on to additional accessories and belongings.

Understand your destination and decide what you wish to bring along, depending on the nature of your trip and the weather there. Plan your outfits and start settings things aside one by one.

Make your list at least two weeks before your departure. Do not do this last minute because it will only confuse you and make matters worse.

Packing may seem like an easy task, but if you are one to stay organized, you need to get this done earlier.

2. Roll your clothes 

When it comes to packing your clothes, the best way to do so is by rolling them. The rolling method not only saves you a lot of luggage space, but it also prevents creasing on your clothes. If you are going to be carrying your maroon leather jacket for your trip, you do not want it to the crease.

Although, we do suggest you opt for travel-friendly fabrics such as knit and stretchable fabrics because they do not wrinkle much, to begin with.

Our advice would be to pack your clothes first. Roll them and place them at the bottom of your suitcase to create a uniform and sturdy base. Once a solid base has been set, you can pack other belongings on top of them, such as your shoes and accessories.

3. Pack in order

Packing has to be organized; otherwise, you will only end up emptying the content of your suitcase on the floor as soon as you land searching for something like a pair of socks.

Packing and unpacking your luggage repeatedly is a taxing endeavor. Instead of engaging in such fruitless labor, plan your outfits and pack them accordingly. Save yourself the hassle.

To keep things neat and organized, we suggest you pack your clothes in order. If you have decided on an outfit that you will wear soon after landing, pack it on top by placing it in your luggage at the very end. That way, you will not have to waste time scavenging through your suitcase after arrival.

A bonus: if you place your outfit on top, it is less likely to wrinkle. 

4. Place heavy items at the edges

Luggage is very prone to damage. We have all been through the trauma of discovering damaged goods on arrival.

The US Department of Transportation (DOT) issued its airline travel report for 2018, which noted an average of 3.08 mishandled baggage reports per 1000 passengers.

These figures reveal a significant improvement since previous years when the average number soared to 8 reports per 1000 passengers.

While you cannot control how your luggage is handled while you are traveling, what you can do is be a little more careful. Place heavier items like books, shoes, and other accessories, near the edges of your suitcase to provide an added layer of cushioning.

This will help with two things. One, it will ensure that your bag stands upright and stable. Two, it will prevent and items in your luggage from being squished because the areas that are most prone to impact damage are the edges.

Protect your suitcase’s edges, and your luggage will instantly be a lot safer.

5. Use packing cubes

Packing cubes are a gift sent from heaven and above. If you like to keep things organized, packing cubes are your best friends.

These containers keep your luggage neat and organized. They stack together easily, which helps maximize packing space. Marketing claims that packing cubes can save you anywhere between 33 to 39% more space. Thin and lightweight, they are the ultimate solution to messy and mismanaged luggage.

6. Pack the right amount

It is normal to get a little overwhelmed when you are packing for a trip. Often we tend to go overboard with our luggage and pack everything in our closets. Overpacking is the worst. It pushes you to exceed your weight limit and leaves you with no space for anything else.

Forget souvenirs and shopping because if you overpack, you either buy more luggage to carry the extra items or you buy nothing at all.

According to the results of a study by Trunk Club, 62% of Americans overpack their luggage.

In contrast, if you wish to keep space for new things, think again because too much space is also bad news. The extra room in your luggage can allow items in your luggage to move around and break.

The art of packing is all about striking the perfect balance between carrying too much stuff to carrying minimal stuff.

If you are planning to travel light, we suggest filling the empty spaces with something that would help cushion everything else, like dry cleaning bags. 

7. Carry a mini iron and laundry bags

A mini iron is a must-have item because you can prevent wrinkles and creases, but you cannot eliminate them. There is no guarantee whether you will find one at your place of stay, so it is best to keep one instead.

Laundry bags are another essential item you should pack with you. Dirty laundry is unavoidable.

Often we do not get the time to wash our clothes while traveling. Instead of packing it with everything else, keep your dirty clothes in the laundry bags.

Make sure to separate the darks from the lights. Not only will this save you a lot of trouble with assorting them when you land, but it will also keep them away from your clean clothes.


8. Make a separate bag for liquids

The last thing you need in your life is a spilled bottle of liquid all over your luggage. If you are carrying any liquids like skincare, be sure to keep them in a separate clear bag.

Be sure to pack some wet wipes, a face wash, a moisturizer, a hand sanitizer, toothpaste, and a travel-size bottle of shampoo with you.

9. Keep your meds in your purse

If you carry essential medication with you, you should keep them in your wallet during traveling.

Not only does this make the checking process easier, but it also makes sure that you have them on you at all times.

There is no way you can otherwise be able to open your luggage in the middle of your flight to grab your meds. The best solution is to keep them with you the whole time.

10. Carry a scarf

Planes are cold regardless of the season. It is prudent to carry a scarf or a warm knit wrap in your bag, especially for long flights, because they will make your journey much more comfortable.

11. Pack a reusable water bottle

A reusable water bottle is an excellent way to cut down on plastic waste. Traveling can be quite exhausting, and to make sure that you stay hydrated, you must drink lots of water.

Now, if you are going to be drinking a lot of water, you will automatically be using many bottles. Switch from the disposable kind to the non-disposable one and get yourself a reusable water bottle. Not only will you be helping the environment, but you will also be saving a lot of money on your trip. 

12. Downsize everything

The key here is to keep things as light as possible. Downsizing is always interpreted in the wrong context. Well, not in this case.

To travel light, you must downsize everything. If you are carrying toiletries, bring travel-size containers. If you are an avid reader, do not carry books. Instead, keep your Kindle or your tablet.

Think of all the things you can cut down on and cut them down. There is no need to keep options. If you are going to need two pairs of shoes, only pack two pairs. There is no need to bring the additional three pairs for “options.”

Susan Heller very aptly noted, 

When preparing to travel, lay out all of your clothes and all of your money. Then take half the clothes and twice the money.

–  Parting Thoughts

Packing for a trip may seem overwhelming; however, all you need to keep yourself together is a little bit of time and a little bit of organization.

Start planning ahead of time. The worst thing you can do to yourself is to leave everything for the last minute. Use these packing tips on your next trip to make your journey a smooth sailing one. Cut the stress out of your life because travel is supposed to be relaxing. Do not turn it into your worst nightmare.

In the timeless words of Anthony Bourdain, 

Travel isn’t always pretty. It isn’t always comfortable. Sometimes it hurts; it even breaks your heart. But that’s OK. The journey changes you; it should change you. It leaves marks on your memory, on your consciousness, on your heart, and your body. You take something with you. Hopefully, you leave something good behind.

What are the Best Alternatives to Project Free TV?

in Entertainment
Project Free TV Alternatives

Project Free TV quickly became an internet phenomenon when it first came out in 2015. People loved it because it was free, easy to use, and had a massive library of HD movies and TV shows. 

It was so good that it quickly caught the eye of the original content creators who had this website banned because of copyright issues. 

The audience of this sight was left in dismay because this action by Google and everyone wanted an alternative for this website that they could go to.

The idea of Project Free TV-inspired many website developers to create their own video streaming websites similar to Project Free TV.

Here, we are going to share with you the best Project Free TV alternatives that you can use to stream or download your favorite movies and TV shows for free.     


With its highly engaging user interface and the massive library of HD movies and TV shows, Flixter is simply your best choice for a free video content streaming website. 

Flixter allows you to watch movies and TV shows in HD quality, and the number of ads that you see is also not that much. Visit this website if you are looking for an easy solution to watching your favorite movies and TV shows. 


SolarMovies took its time to establish, but now, it is safe to say that it is one of the finest choices for free Movies and Tv shows streaming websites. 

This website has an interface that is quite similar to that of the Project Free TV Movies

The amount of video content available is also quite huge. With its powerful search algorithms, you can easily find out your favorite movies and TV shows and stream them for free. 


Stream2Watch is a sport based live content streaming website that works just like Project Free TV. The best part about this website is the organization of content is meaningful categories. 

The search features of this website are not that great, but still, the content that is available here in HD and absolutely free. The mobile version of this website is also quite interactive. 


ShareTV is an interactive TV show watching a website that is pretty similar to Project Free TV. This website allows you to stream HD video content, specifically TV shows for absolutely free. 

The best thing about this website is the content here is updated regularly and faster than any other platform out there. So, you can get access to the latest movies and TV shows here for free. 


PrimeWire website is one of the oldest alternatives to Project Free TV. This website has a massive library of movies and TV shows that you can stream for absolutely free. This website makes sure that you get the latest Movies and TV shows as soon as they are released. 

First, you are given the CAM version of the movie, and then, later on, you get the HD version. 

Although there might be a few ads to deal with the level of ease for watching movies and TV shows, provided by this website is second to none. 

Visit these websites and watch your Favorite HD movies and TV Shows for absolutely free. 

Read More:

How Modern Technology Can Improve Your Life

Must have a feature to look for in your CRM real estate software!

in Technology
Must have feature to look for in your CRM real estate software

If you are hoping to be in contact with the customers and clients both current and potential then you must have CRM software in your real estate business. The CRM software has become a very important aspect of the real estate business and comes with a lot of advantages. We are sure that you must be aware of all the benefits this software can bring to your business. So today we are going to talk about the features that CRM software must have in order to boost the use of the software. You will find so many CRM software solutions for real estate but need to look for the below mention features in your software for better working of the software.

CRM real estate software

List management

The robust list management as a feature in the software is very much important. This feature helps you in sorting the clients, the customers and then to categorize them as referring parties, competitors, leads and clients. This will help you out in managing the list according to hot/cold leads, old/current clients. Also, you can check for the level of satisfaction in this software. The software should provide you with a comprehensive list that can be used for reporting and has all the relevant and important documents attached.

Email Platform management

Just like all other industries, the real estate industry is also very benefitted by email marketing strategy. So having CRM software that can manage the mail platform for the business is very much needed. The emails from the organization can be taken very seriously when it comes to the real estate business. The tools which are there in the CRM platform should include all the important features like maintaining drip email, email template, monthly or quarterly newsletter and much more. Keywords that are prominent in real estate business should be there specifically.

Compatibility with other various platforms

There are many other platforms like MS Office and Google Docs which your company might be using. So the new CRM software should have the option of smooth integration with those and have a smooth transition. The transition needs to be smooth as the employees might not be very tech-savvy and it is a time-consuming process as well. The transition from other platforms if not compatible with CRM software will cause so much interference in sales also.

Apps based software

Having CRM software that is available on your cell device is also what you should look for. It is very much needed for real estate agents as they are always on the road and they need to have on the way access to the reports and system. Also, make sure that mobile-based apps are using cloud platforms with limiting costs. You need to make sure that the reports are safe and secure and no financial transactions and details of the clients or customers must be compromised.

When you look for all these features in real estate crm system, you will be able to have the maximum utilization of the features which are being provided to you and make growth in your business.

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How Wide Format Printers Prove Beneficial For Construction Firms?

How to harness the power of influencers in corporate events?

4 Important Factors That Decide Your CIBIL Score

in Business
4 Important Factors That Decide Your CIBIL Score

Your CIBIL score is a significant factor that determines whether a financial institution will approve or reject your loan or credit card application. Credit rating ranges from 300 to 900, and the higher the score is, the more eligible you are for a loan.

In India, CIBIL is the organisation which financial institutions approach to seek an individual’s credit score. High Mark, Equifax, and Experian are other credit information companies providing credit scores. Check your free CIBIL score online for free within minutes at Bajaj Finserv.

Your credit score depends on your Credit Information Report (CIR), which contains various data about credit you have availed so far. Some of the factors in your CIR that decide your credit score include:

  • The utilisation of credit limit

Every credit card comes with a credit limit – the maximum amount that you can spend with it. Your credit score changes depending on how much of your credit limit you are utilizing.

For example, your CIBIL rating improves if you spend only 30% of your credit limit. On the other hand, spending too much with your credit card will lower your score.

  • Payments of loan EMIs

Paying your existing loan EMIs within the due date will increase your credit rating. Contrarily, having an overdue payment reduces the same. The overdue amount and the number of days it is past due may also impact your credit score.

Hence, make sure to calculate your EMIs before you opt for a loan. Using a personal loan EMI calculator is an ideal way to do so. 

Increase Your Score with a Loan

Many a time, individuals avail a small personal loan solely to increase their CIBIL ratings. You can apply for such loans from NBFCs like Bajaj Finserv. The lending company offers up to Rs.25 Lakh with tenors ranging from 12 to 60 months. You also need to provide only a few documents and fulfil minimum eligibility criteria.

Lenders will sanction a higher amount once your CIBIL rating is high. You may also get to negotiate your personal loan interest rates with the same.

  • Payment of credit card bills

Your credit card bill payment also impacts your CIBIL rating. Clearing the dues within the deadline improves it significantly.

Moreover, you must make sure it is the total amount due that you are paying.

The total amount due is the full amount you owe at the end of the month. The minimum amount due is another charge you can choose to pay. It is a particular percentage of the total payable amount. Paying this amount is helpful in case of cash shortages. However, doing so lowers your CIBIL score. Furthermore, your total due amount gets carried forward to the next month’s bill.

Improve Your Score with a Secured Credit Card

A secured credit card is available against a fixed deposit. Hence, credit card companies don’t need borrowers to hold a high CIBIL rating to avail of these.

Secured credit cards come with features similar to a standard one and are exceptional to improve your credit score.  

  • Credit enquiries

A credit enquiry by a lender follows each credit card or personal loan application. Financial institutions check your CIBIL rating and CIR with such enquiries. The credit score goes down with every such enquiry.

So, multiple applications and multiple enquiries affect your rating drastically. Also, lenders might deny your credit application if they come across a rejection from another one during an enquiry. Financial institutions add a note in your CIR when they reject your application. Hence, one credit refusal can lead to the same when you opt for new credit.

The ideal CIBIL score for a personal loan is 750. Lenders may also offer several benefits when you have a high credit score. Hence, increase your score strategically and avail a personal loan without any difficulty.

Bajaj Finserv comes with their exclusive pre-approved offers that reduce the time taken by making the procedure simple. Pre-approved offers are available with unsecured loans (personal loans and business loans), secured loans (home loans), and a list of other financial products and services. Check your pre-approved offers by providing only your name and phone number.

Read More:

4 Ways To Check Your PF Balance Online

Everything You Need To Know About Availing A Personal Loan Based On Salary

in Business
Availing A Personal Loan Based On Salary

Referring to a Money Tap report, a noteworthy 20.4% rise in the number of personal loans between February 2017 and February 2018 was witnessed. Besides, the CAGR (Compound Annual Growth Rate) of unsecured credits between the years 2015 and 2018 stood at 27%.

The growth in the amount of unsecured credit and the number of personal loan applications sanctioned in a fiscal year indicates that Indian customers are more inclined to apply for a personal loan on salary to meet various financial demands.

Such loans have no end-use restrictions and can be utilised by borrowers for any purpose, be it for home upgrades, purchase of appliances, meeting wedding expenses, educational expenses, etc. 

What is a personal loan against the salary?

These are unsecured credits offered by financial organisations to borrowers where they do not have to pledge any property or asset as collateral. Customers who qualify the specified eligibility criteria can avail loans easily and utilise it for their financial needs.

What are the eligibility criteria?

  • The age of the borrower should be between 23 years and 55 years.
  • The borrower should be an individual drawing monthly salary from MNC, private, or public firm. 
  • An individual has to be an Indian citizen. 
  • A CIBIL score of around or above 750 is necessary to avail of such a loan.
  • Borrowers should have a minimum salary as specified by financial companies. Normally, the minimum salary for a personal loan mandated by borrowers vary between cities as follows –

− Rs.35,000/month for Bangalore, Pune, Delhi, Mumbai, Hyderabad, Noida, Thane, etc.

− Rs. 30,000/month for Kolkata and Ahmedabad.

− Rs.28,000/month for Jaipur, Cochin, Surat, Nagpur, Chandigarh, etc.

− Personal loan on 25000 salary per month is available for residents of Lucknow, Goa, Bhubaneswar, Jodhpur, Bhopal, Mysore, etc.

What are the documents required?

Below is the list of documents that prospective borrowers need to provide in support of their personal loan on salary application so that they can quickly seek approval.

  • KYC documents like Aadhaar card, PAN card, Voter ID, etc.
  • Employee identification card.
  • Previous 2 months’ salary slip.
  • Last 3 months’ bank account statement of salary account.

How much personal loan can I get?

Financial institutions may offer a personal loan of up to Rs.25 lakh to eligible borrowers. However, the loan amount offered to an individual depends on several factors, viz. –

  • Credit score – Borrowers should maintain a healthy credit score to be eligible for such unsecured loans. CIBIL score is directly proportional to an individual’s creditworthiness.
  • Salary – The salary range is a major determinant of the loan amount a borrower can successfully avail. An individual’s income, or rather residual income after meeting the financial obligations and liable, is equal to his/her repayment capability. Higher-income is more than often considered as a determinant of higher repayment capability. Such an individual can thus pay higher EMIs and avail subsequently higher loan amounts.

Availing a personal loan on salary is now easier as individuals can apply and avail the amount disbursed to their respective savings account within 24 hours. Non-banking financial companies like Bajaj Finserv simplify loan application procedures for its customers by providing pre-approved offers on loans. Such personal loan offers are available on several financial products, including personal loans, business loans, home loans, etc. You can check out your pre-approved offer now by submitting the name and contact number. 

Subsequently, borrowers can avail loans for flexible tenors of up to 60 months and convert their loan into easy equated monthly installments. Since these are unsecured loans, borrowers don’t have much on stake, and they can repay the loan amount easily by choosing a flexible tenor. Such personal loans come in handy for individuals because of no end-use restrictions as they can utilise it for medical emergencies, wedding expenses, educational expenses, and many others. Therefore, acquire information about such terms of the loan and seek financial help as and when needed.

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Purpose of The PM Employment Generation Programme
Avail Subsidy Under Pradhan Mantri Home Loan Scheme 2020

4 Ways To Check Your PF Balance Online

in Business
Here is how to check your PF (Provident Fund) balance online

Employee Provident Fund (PF) is one of the main tools for developing a financial corpus in the future. It is maintained by individuals in their employment days and is considered as pre-requisites for retirees as it ensures their financial independence during the post-retirement days. Provident funds offer employees with a substantial rate of interest, quite similar to FD interest rates.

Here is how to check your PF (Provident Fund) balance online

1. EPFO portal

Employees can go through with their provident fund balance check online by heading to the EPFO portal and following these easy steps –

  • Visit the official website of EPFO.
  • Click on the “For Employees” option under the “Our Services” drop-down menu.
  • You will head to a new page where you need to select the “Members Passbook” option under the “Services” menu.
  • On this page, you need to log in with your 12 digit Universal Account Number and password.
  • After successfully logging in, your PF balance will be displayed along with the member IDs of every employer you have worked under.
  • Click on the member ID of your current employer and download the EPF passbook as a PDF file.

Access to the EPFO portal is only available to employees who have activated their UAN. Moreover, you cannot avail of this facility if your account has been inactive for more than 36 months. If you face any difficulty, you can always consult with the online customer service provider for further assistance.

2. UMANG app

The UMANG app is another mobile application provided by EPFO to monitor your EPF accounts. This app is available on the App Store and Google Play Store for download.

Install the app and go through these steps to check your PF balance online –

  • Open the app and click on EPFO.
  • Select the “Employee Centric Services” tab and click on the “View Passbook” option.
  • Enter your UAN to log in and select the “Get OTP” option.
  • Enter the OTP sent to your mobile number. Select the member ID of your employer, and your EPF passbook and current account balance will be displayed.

Hence, this is another easy method to go through your Provident Fund balance check online. With the facility of knowing your PF balance online, you will never be behind while planning various ways to use your EPF money.

3. SMS service

Employees can check their PF balance by sending an SMS to the EPFOHO SMS service centre number, mentioning their UAN and choice of language in the correct format.  For example, if you want to check in your current PF balance in English, send the message ‘EPFOHO UAN ENG’ to 7738299899, and you will receive a message in their mobile instantly, withholding information of the current PF balance.

4. Missed call

You can check your PF balance by giving a missed call to 011-22901406 from your UAN registered mobile number and you will be informed of your current through an SMS or a phone call from EPFO.

Even though EPF accounts offer attractive rates of interest, quite similar to FD interest rates in India, the withdrawal facility is more beneficial in case of fixed deposit accounts. Companies like Bajaj Finance offer FDs along with several attractive features.

Tax-saving fixed deposit accounts require a minimum lock-in period of 5 years and provide an easier withdrawal facility than EPF accounts with substantial FD interest rates. Hence, it is one of the reasons why fixed deposits are better investment avenues than PPF or EPF.

EPF accounts help in securing your financial strength in your post-retirement days. Considering the above steps, you can check your current PF balance online easily to stay updated.

Read More Business-Related News and Tips on The Information Minister

Top Benefits of Anti-Aging Facial Treatments for Women

in Lifestyle
anti-aging facial treatments benefit women

Everyone wants to stay young forever – it is perhaps the internal desire of all and sundry. The tendency is higher among the women as they are more inclined towards keeping their skin free from aging sings.  Therefore, anti-aging facial treatments are incredibly famous among women.

There is no denying that various creams and other products are available in the market across the world for eliminating the impact of age growth. But, there is no miracle in a jar because nothing can completely vanish age-impact, but it can be slow down.

Keeping in view that beauty is not only the outer skin, but the people are also generally suggested to consider Endermologie Dubai based facial treatment for rejuvenating the skin. So, don’t forget to manage the signs of aging with proven methodologies.

How anti-aging facial treatments benefit women

Nevertheless, every woman wants to have flawless skin, but growing age, unhealthy diet, and stress can significantly impact the overall looks. Therefore, it is essential to look for suitable ways to keep your skin firm and even in tone to ensure a pleasant personality.

Here are given a few essential reasons why women should consider opting for medicated facial treatments:

Deep-skin exfoliation

Although most of the beauty facials and massage include basic exfoliation, it is imperative to get specialized exfoliation to avoid wrinkles and pigmentation. The use of galvanic scrubbing can help in rejuvenating the skin during the late thirties and later years of age. It actually brings a healthy glow to the skin by removing the dead layers from the face for an improved appearance.

Nourishment of dry skin

The most frequent sign of anti-aging is dehydration that actually leads to rough and flaky patches on the face. It is, therefore, imperative to check for the growing signs of aging for early rehabilitation. So, consider analyzing the forehead and jawline to maintain a level of moisture. In this regard, anti-aging facial solutions provide emollient-rich moisturizing to your skin for improved levels of freshness and glow.

Improved skin tone and texture

Over the years, women face the issue of uneven skin tone and rough texture that adds more to their aging factors. It is, therefore, imperative to adopt a pro-active approach towards such symptoms to keep the skin surface smooth and even. The medicated treatments aimed at slowing down the aging factor considerably helps in contouring the facial features to improve skin texture. Not only this, the treatments improve skin tone using a stimulating massage.

Improved blood flow

The stimulation of the facial skin on a regular basis has a considerable positive impact on blood circulation. It is essential to have higher blood circulating in the facial region for blushing red skin without dark circles and black spots. So, you should consider getting supple and fresh skin by acquiring Endermologie Dubai based facial skin massage treatment.

Reduced black spots and freckles

Black spots on the skin are a major outcome of aging. You should consider eliminating the freckles and dark spots using trusted remedies and proven treatments. It is essential to deal with such aging signs with smooth massage therapies under the supervision of experienced professionals for anti-aging treatment.

Repairing of broken capillaries

The use of unhealthy skin creams and non-trusted sunblock creams have a considerable adverse impact on skin appearance. It not only damages the outer skin but also causes a breakage of trivial capillaries within the skin. So, getting a medicated facial massage can help you in improving the blood flow that leads to the repairing of capillaries within the skin, along with reducing other aging signs.

Reduction of wrinkles and crow lines

Crow lines are a major indication of aging. Therefore, women should consider eliminating these signs to stay healthy and look younger than their actual age.  The wrinkles are the major hurdles between them and their young-looking skin, so make your mind today for eliminating such symptoms that hinder the desires for smooth and firm skin.

Sluggish the process of aging

Last but not least, it is essential to slow down the process of aging to enjoy years of youthful and fresh skin.  For this purpose, women should pick a suitable solution for eliminating the major connecting dots of aging. The regular treatment of Endermologie Dubai based facial massage can significantly help you to ensure youthful skin with all signs of beauty.  Why not search for the centers with a free trial?

Want glowing, youthful skin?

Summing up, the woman is a great admirer of beauty.  She not only wants to look beautiful but also aspires for triggering youthfulness in everything around. In the quest to look pretty, various anti-aging produced are tried. But, it is suggested to use only reliable facial massage treatments to avoid further deterioration.

You can opt for Endermologie Dubai based skin treatments to get healthy and youthful skin without any potential side-effects. It is because skin experts always suggest stimulating massages for retaining wrinkle-free and fresh facial skin for a perfect personality. Read about slimming diet trends for 2020

Gear Up Yourself for Many Things to See and Do During a Vacation in Florida

in Travel
Florida Vacation Rentals

Has your life become dull and uninteresting? Well, do not lose your heart. You can make it liveable and enjoyable if you gear up yourself for a colorful vacation in a lively destination, Florida. Everything is fantastic, ranging from a humid subtropical climate to gorgeous beaches, tall palm trees, mouth-watering cuisines, and exciting and pleasurable activities. The fantastic thing about this tourist destination is that it has 230 days with sunshine, which other destinations in the U.S. do not have. Because of this geographical phenomenon, it is also famous as ‘the sunshine state’. For the accommodations of tourists, Florida vacation rentals are available at pocket-friendly prices.

How Can You Get a Rental Home Booked for Your Accommodation?

Various types of vacation rental homes—villas, condos, apartments, and cabins—are available at very affordable prices. All you need to do is get in touch with one of the best vacation rentals by owner in Florida. It will connect you with the owner of a vacation rental home without charging any booking fees or commission. As a result, you will be saved from unnecessary hassles and expenses.

Florida Vacation Homes
Florida Vacation Homes

Fascinating Things to See

Florida abounds with many attractions. Those that are fascinating and charming include the following:

Busch Gardens Tampa: As one of the largest zoos in North America, this zoo accommodates many animals—gorillas, giraffes, elephants, tigers, lions, etc. To enable tourists to see all these animals, safari tours are available. In addition, other tours are available to enable them to have closer of infuriated animals, such as tigers, elephants, etc. Live animal shows are also organized from time to time.

Dry Tortugas National Park: Lying at a distance of 70 miles west of Key West, this is a major attraction in Florida. Fort Jefferson is one of the best attractions located inside this park. Here, tourists tour the fort and spend a day lounging on soft-sand beaches and indulge in many water sports activities.

Everglades National Park: Spread over 1.5 million acres of marshland, this park is home to many animals—river otters, manatees, egrets, turtles, deer, Florida panthers, American crocodiles, alligators, and many other species. The whole area of this park is shallow and extends from Lake Okeechobee to the Bay of Florida. Airboat rides are available for tourists to have a glimpse of wild animals.

Miami Beach and the Art Deco Historic District: This is one of the most exotic places in Florida, where tourists can enjoy activities, such as sunbathing, tanning, castle building, etc. The Art Deco Historic District is one of the fascinating attractions on this beach. It throws light on the history of Florida and creates an unfamiliar ambiance for tourists.

Universal Studios: Located in Orlando, this is a huge theme park that offers many kinds of rides— wet and wild rides, thrill rides, 3D and 4D simulator rides, tamer rides. The Wizarding World of Harry Potter is one of the most impressive attractions in the city, where tourists can get into the Hogwarts Express to pass through Hogsmeade Village. It is a large entertainment industry, where tourists will be completely entertained.

Exciting and Pleasurable Things to Do

Vacation Rentals by Owner in Florida

Although there are many exciting and pleasurable things to do in Florida, those that have made this tourist destination popular among tourists include the following:

Watching Sunrises and Sunsets: Sunrises and sunsets are spectacular sights in Florida. During these two natural phenomena, the natural ambiance cast a spellbound charm on tourists. The best places to see these events are Kissimmee, Pensacola Beach, Fort Pierce, Palm Beach, Panama City Beach, Juno Beach, and Daytona Beach.

Bird Watching: For bird watching, Florida is one of the most popular tourist destinations in the world. Different varieties of migratory birds come to this destination to escape unfavorable conditions. The best places to enjoy this activity are STA-5 Lake Okeechobee, J.N. “Ding” Darling National Wildlife Refuge, and Dry Tortugas National Park.

Swimming: Florida boasts many natural and man-made swimming holes with refreshing water, where tourists can enjoy this activity. The best places for indulging in this activity are Ichetucknee Springs State Park, Blue Spring State Park, Fanning Springs State Park, Rainbow Springs, Manatee Springs, Silver Glen Springs, Madison Blue State Park, and Marriott World Center.

Fishing: This is a very exciting activity for those who are pescatarian. Different varieties of fish found here are King Mackerel, Redfish, Largemouth Bass, Snook, Wahoo, Tarpon, Triplet, Bull Shark, and Sailfish. The best places for this activity are Jacksonville, Daytona Beach, Cocoa Beach, West Palm Beach, Miami, and the Florida Keys.

Dining and Shopping: Florida has various types of cuisines— Southern cuisine, European cuisine, and Floribbean cuisine. Some of its well-known dishes include Conch Fritters, Shrimp & Grits, and Gator Tail. The top-class restaurants, where you can go to stir up your taste buds, are Miami Restaurants, Orlando Restaurants, and Tampa Restaurants. The noted shopping malls are Sanibel Outlets, Miromar Outlets, Coconut Point Mall and Waterside Shops, where you can buy all things of your everyday use.

Get set to enjoy the flavor of a vacation in Florida. It is an amazing tourist destination in the US with excellent weather conditions and many things to see and indulge in. Regarding your accommodations, get in touch with one of the most reliable vacation rentals by owner to book one of the best Florida vacation homes.

The Concept of Nanotechnology In-Depth and Evaluation

in Technology
The Concept of Nanotechnology In-Depth and Evaluation

According to a report published by CeNSE (Centre for Nano Science and Engineering), India published over 23,000 papers in Nanoscience by the end of 2013. 

This was made possible because of the initiative taken by the Indian Government by starting a Nano Mission in May 2007. 

The Department of Science and Technology were further made available with funding of Rs.1,000 crore for this 5-year research venture. 

After the publication of these research papers exploring the intricacies of nanotechnology in India and associated concepts, the Union Cabinet further approved the continuation of the research program in its phase two. 

For this, funding of Rs.650 crore was allocated to the respective department. 

The objectives of this mission were –

  • Promoting the need to research on nanotechnology by providing scientists with funding. 
  • Establishment in infrastructure development for nanotechnology in India. 
  • To initiate technology development programs. 
  • International collaborations. 

In this regard, the mission proved to be successful as India bagged 3rd position in the world concerning publication in Nanotechnology and its concept. 

What is nanotechnology?

It is the science of studying properties and characteristics of small particles that have a size below 100 nm (nanometres). 

Hence, nanomaterials are developed using these nanoparticles, which have implementations in various fields. 

Scientists have to deal with Nanoparticles in regard to modelling, measuring, imaging, and manipulation to utilise it in a beneficial way. 

Subsequently, the emergence of nanotechnology in India encompasses its concept, applications, benefits, and future prospect. 

Applications of nanotechnology in India 

  • Healthcare and medicine. 
  • Industry applications such as construction materials, nano-wires, nano-rods, military goods, etc. 
  • The textile industry and sports equipment.
  • Food processing units utilise the concept of nanotechnology. 
  • Beauty and makeup industry in the manufacture of cosmetics, lipstick, sunscreens, etc. 
  • Environmental applications such as clean-up of pollutants from the environment. 
  • Dentistry. 
  • Other biomedical applications. 

While nanotechnology has implementations in a wider section of products and industry, this has especially benefitted the healthcare industry most with added benefits. 

Implementation of nanotechnology in healthcare 

  • Development of Nanomedicines can be utilised for targeted drug delivery. 
  • Nanotechnology-based chemotherapy in the treatment of chronic diseases like cancer. 
  • Treatment of cardiac diseases. 
  • Identification of microorganisms.

Besides, the healthcare industry can utilise nanotechnology in India and produce better results in the treatment of chronic disease, in obtaining precise pathology reports, in drug composition, diagnosis of a disease, etc. 

Benefits of nanotechnology in healthcare 

Implementation of nanotechnology has further made sure that the time is taken to perform blood tests, and other such tests are reduced; hence, the number of samples required for a particular test to be carried out is also decreased. 

Medical professionals utilising this technology can easily and quickly detect the disease and cause of symptoms at an earlier stage. 

Also, technology brings cost-effective results, making it desirable by medical professionals. Hence, the need to continue medical education for healthcare professionals is at its peak as they continually have to update themselves on these advancements to be able to serve the industry and patients best. 

In today’s time, medical professionals have options that ease their medical practice substantially with tools like Lybrate for doctors. They can grow their medical practice with Lybrate and venture new heights in medical practice utilising the emerging concept of nanotechnology. 

Medical professionals can study more about the concept and implement them in the diagnosis and treatment of several diseases. However, that might require funds so that they acquire all information on the concept and implement the technology in their medical workspace. 

In this regard, acquiring a business loan for doctors can be a suitable option for working professionals. They can acquire such advances from any reputed financial institution, like Bajaj Finserv. 

The company further simplifies the loan application procedure for individuals with their pre-approved offers on loans. These offers are available on multiple financial products such as business loans, personal loans, home loans, along with others.

Sustainable delivery systems through nanotechnology 

It is a part of nanotechnology that aims to develop nanoparticles without hampering the nature or having the least environmental impacts. 

Eco-friendly and safe nanostructure are developed and utilised in the process to ensure there is no adverse effect on human health. 

Nanotechnology in India is still emerging even with its wide implementation in various sectors and substantial benefits serving the industry. 

Medical professionals have a significant scope of gaining medical proficiency with the adaptation of nanotechnology in the coming days. 

Follow The Information Minister (TIM) for more Technology-related guides.

Know-How to Avail Subsidy Under Pradhan Mantri Home Loan Scheme 2020

in Real Estate
Avail Subsidy Under Pradhan Mantri Home Loan Scheme

The Pradhan Mantri Yojana scheme has brought with it a broad range of benefits for all first-time homeowners. Out of several prime advantages of this scheme, a subsidy on the interest rates of the housing loan is one of them. Based on your eligibility, you can apply for PMAY and claim PMAY subsidy on your housing loan easily. Here, the determining factor is the income bracket, which allows one to purchase a home that fulfils the carpet-area norms set forward by this scheme.

Check Your Eligibility for Pradhan Mantri Awas Yojana 2020

To access all PMAY benefits and subsidies, one must fulfil the following eligibility criteria –

  • You and your family cannot own a ‘pucca’ house. If you are looking for a residential property, you are eligible to apply for a home loan under this ‘housing for all’ scheme.
  • One must not avail any facilities and benefits from any other Government housing schemes in the past.
  • You need your Aadhaar card for applying under this scheme.
  • One’s annual household income must be within Rs. 3 Lakh to qualify for Pradhan Mantri Yojana under the EWS category.
  • To qualify for PMAY under the LIG category, the combined household income must lie between Rs. 3 to 6 Lakh.
  • Your annual household income must be between Rs. 6 to 12 Lakh to qualify under the MIG I category.
  • To qualify under the MIG II segment, the annual household income should not exceed Rs. 18 Lakh.

Apart from these criteria, the applicant must either apply as a representative of a family or as an unmarried individual under the Pradhan Mantri Awas scheme.

Maximum Subsidy One Can Claim

Under the PMAY scheme, one can claim a maximum subsidy of Rs. 2.67 Lakh on a housing loan. The subsidy percentage which you can claim depends on your income category and the house’s total carpet area.

Here’s what you need to know –

  • If one falls under the LIG or EWS category – one can claim a 6.5% credit-linked subsidy on a Pradhan Mantri Awas Yojana loan of up to Rs. 6 Lakh. The total carpet area must be 30 sq. mt. for the EWS category and 60 sq. mt. for the LIG category.
  • You can claim a 4% subsidy on home loans of up to Rs. 9 Lakh for the MIG I category applicants. You can only claim this subsidy if you purchase a home having a carpet area 160 sq. mt.
  • A 3% credit-linked subsidy on housing loans of up to Rs. 12 Lakh can be claimed for MIG II applicants. You are eligible to claim this subsidy only if the home’s carpet area is 200 sq. mt.

These are the key benefits of the Pradhan Mantri Awas Yojana (PMAY) scheme that you need to know. Apart from these, you can also gain subsidies on your housing loan if you utilize funds from your sanctioned amount for construction and renovation purposes. However, one must always check the Pradhan Mantri Awas Yojana eligibility criteria before applying under the credit-subsidy scheme.

How to Claim PMAY Subsidy?

After enrolling for the PMAY scheme, one can apply for a housing loan from a lender based on preference. Make sure your lender is listed under the PMAY; compare between various lenders and their offerings as per the home loan interest rates. Once your application gets approved, you will receive the loan amount in your bank account.

Only then can a lender claim PMAY subsidy on your behalf from the Indian Government. On receiving, this will get credited to your housing loan account, and the EMIs will start reducing according. However, this takes a few months to process, and one gets compensated for the excess he/she has already paid towards the interest obligation.

Hence, you can also consider lenders such as Bajaj Finserv for availing a Home Loan of up to Rs.5 Crore*T&C* at attractive interest rates. Along with it, you enjoy instant approval, fast disbursal of the sum and flexible repayment experience.

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How Customer Service Training Benefits Every New Sales Executive?

in Business
Customer Service Training Benefits

The sale is a fundamental part of any business organization. The sales executives get the opportunity of attending several coaching programs that always focus on their sales skills. An important point missed here is that the sales executive often has to deal with the potential customers directly. They do not get enough guidance about improving customer service.

The sales managers have to ensure a great customer experience. This aspect is equally important as the sales skills of executives. This is the main reason all the newly hired sales executives should be guided about it. Customer service for managers is important, but it is equally beneficial for sales executives.

 The UAE is adopting the standards of the modern world, which has helped it emerge progressive and undefeatable. The business organizations opt for sales training and ensure the sound skills development of their workforce, which helps them achieve more success.

This article will shed light on the benefits of customer service training for newly hired sales executives.

Top 5 ways customer service training benefits new sales employee

Sales skills are crucial for the success and growth of sales executives. However, if they will focus only on this point, it will soon transform into one way of dealing. So, the sales executives need to consider the experience of the customers as well, which they can learn through customer services training courses.

The following are some of the most important ways customer service training benefits newly hired sales employees.

1. Helps them Develop Patience

In the business world, it is often said that the customer is the king. It means that the people dealing with the customers should listen to him/her and try to resolve the issue. Even if he/she is wrong, they cannot openly share the remark, but politely make an effort to correct their wrong remarks.

The most important way customer service training benefits the new sales executives is by helping them develop patience. They get to know some renowned stories which inspire them never to lose their patience while dealing with customers.

2. Focus on Attentiveness

In most cases, the sole focus of the sales executives is on sharing their points of view, arguments, and prepared speech. They do not care about the expressions and feelings of the customers and carry on with their efforts to convincing the customers.

This is the most important aspect which helps new executives in learning the basics. They learn to focus on attentiveness, which means that they should listen to the customers. They need to give sufficient time to customers so that they can share their side of the story.

3. Polishes their Language Skills

One of the most important ways employees training benefits the newly hired sales executives is by polishing their language skills. They do not only need to appear confident in front of their customers, but also give them the confidence to share whatever they want.

The focus of the language skills is not only on the speaking power of the sales executives but also on their non-verbal and verbal communication, which allows relaxation and comfort to the customers. They learn where and how to speak as well as where to give space to the other person.

4. Helps Know the Customers

One of the basic mistakes committed by the new sales executives is that they do not make an effort to know their customers. They just want to increase their points and keep sharing their stance by ignoring the view and needs of the customer.

The training in the initial stages of their career helps them acknowledge and accept the fact that they need to value and understand their customers. They will learn the strategies to know the customers and provide their service accordingly.

5. Guidance about Maintaining their Cool

The new hire sales executives often make the mistake of losing their control over the customer, which causes immense loss to the business organizations. In such cases, the public does not regard the fact if the customer was wrong. The sales executives and the organization has to bear the consequences.

The training helps them know the importance of maintaining their cool while interacting with customers. They also learn the strategies of doing so.

Hiring a new team of sales executives?

Well, this is the perfect time to set an agenda in front of them. They will get the opportunity of learning the basics and including them in their practice from the starting point. You can hire the services of companies providing sales training in Dubai and ensure every executive is fluent in the basics of customer service. You can also ensure to improve your impression among the customers through excellent service.

So, develop a futuristic approach and take concrete steps to ensure your growth and progress.

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