TOP BEACHES GETAWAYS IN EUROPE

Europe is home to some of the world’s most-celebrated seas — the Mediterranean, the Adriatic, the Aegean — and its cultural mosaic makes it a top choice for beach lovers looking to mix sun, fun, art, history and nightlife.

The most beautiful beaches in Europe await you this summer. Get your sunscreen and sunglasses ready and discover the best destinations in Europe for a sunny holiday on the beach or a great swim. Discover the most beautiful beaches in France, Italy, Portugal, Spain as well as Greece, Germany, Croatia, Slovenia... a selection of the best beaches in Europe! Enjoy sunset cocktails and then party until dawn. Sound good?

So, What are you waiting for? Hurry Up and Book your beach vacation with family, friends or lovers and enjoy the sun and the blue waters of the most beautiful beaches in Europe. Book your hotel, your flight and your activities at the best price for a perfect holiday in one of the best places to enjoy sun and sand!

 BEACHES GETAWAYS IN EUROPE

Santa Giulia Beach- Corsica

This beautiful beach, located a few kilometres from Porto-Vecchio and Bonifacio is a real paradise on earth. It is in the image of Corsica: beautiful and wild. Enjoy its turquoise water and its white sand and book your hotel in the nice towns of Bonifacio or Porto-Vecchio.

I’m hundred and ten percent sure that you will definitely love the ambience and have a happy fun filled time enjoying in the midst of sand and water!!

Cala Agulla beach- Mallorca - Spain 

This beautiful beach is very well maintained. It is wild but you can enjoy cold drinks and ice-creams on the spot. Taste the homemade cocktails and relax while enjoying a beautiful scenery. Book your hotel, B&B, guesthouse or villa at the best price guaranteed in Mallorca as well as your best activities such as a stand-up Paddle tour of the island.

This would turn out to be your most beautiful and happy vacations ever!! Have a happy time enjoying!!

Beach of Peljesac- Peljesac Peninsula - Croatia 

Croatia is one of the most beautiful countries with some of the most beautiful beaches in the world with the most beautiful cities, the most beautiful beaches and the must-see places.

Peljesac Peninsula is one of them: the nature is unspoiled with sublime landscapes. This destination is only an hour by car from Dubrovnik. Come dive into the blue waters of Croatia and enjoy an unforgettable holiday in one of the most beautiful countries in the world. 

Durdle Door Beach, Dorset, England 

With its dramatic limestone arch, lush, craggy cliffs, and soft golden sand, Durdle Door is one of the most scenic beaches in all of Europe. But it’s not just a pretty face—the Marine Conservation Society recommends the beach for swimming and fishing, thanks to its excellent water quality. It’s also part of the Jurassic Coast, a 95-mile stretch of coastline studded with so many spectacular geological features and fossils that UNESCO designated it a World Heritage Site in 2001. 

Praia de Albandeira, Algarve, Portugal 

Despite high tourist traffic to the Algarve region, this tiny, secluded cove has (amazingly) remained somewhat under the radar. You won't find any umbrellas, beach chairs, water sports, or beach bars here; just a golden lick of sand, cool crystalline waters, sea caves, and natural rock pools—which is precisely why you should visit. Added bonus? Thanks to the ochre cliffs on both sides of the beach, the water is always calm and perfect for swimming and snorkeling.

Navagio Beach, Zakynthos, Greece

Also known as Shipwreck Beach due to the ancient freighter buried at its center, Navagio is easily the most beautiful stretch of sand in Greece. It’s sheltered by sheer limestone cliffs and is so isolated that you can only access it by boat. While you can spend all day sunning on its powdery sands, its beauty is best appreciated from the viewing platform in the cliffs above (just follow the signs to the Agios Gergio Kremnao monastery). 

Mainland Spain 

For an old-school beach break, it's hard to beat Spain. On the mainland, its stretches of sand go on forever; its many islands, each with a unique vibe, are blessed with thrilling beautiful coves and clear blue waters for swimming.

In the south-west is the white-hot Costa de la Luz, Spain's stunning Atlantic coast with sun-bleached towns and wide, wild beaches between ancient Cádiz and surf-boho Tarifa (we love Bolonia and Valdevaqueros beaches especially).

Where the Mediterranean begins is Marbella, the gateway to the busy Costa del Sol. The glittering Andalucían town is packed with sunny beach clubs and the party atmosphere extends to nearby Málaga, where rooftop bars rub shoulders with hip new galleries. Further up the coast are two more of Spain's big hitters: Costa Blanca and laid-back Costa Brava. The former has some brilliant beaches but becomes congested in high season, particularly between the resorts of Gandía and Benidorm. The prettiest town on this coastline is Alicante, which outshines its boisterous neighbours with chic boutique hotels and quieter coves. Meanwhile, Costa Brava combines buzzy beaches near Barcelona with rocky, romantic shores close to the French border.

Ibiza 

Ibiza endlessly fascinates with its party scene, its glamour and its hippie vibe; but less shouted-about are its beaches. They are beautiful, varied, and many. Secluded coves to strip off on, hard-to-reach legendary beaches, sensational bays where the beach clubs host hedonists and rich hippies all around the clock. Even some of the town beaches are heavenly. The best beaches in Ibiza include Aguas Blancas, Las Salinas, Cala Llenya, Calla Bassa, Cala Moli.

Palombaggia Beach- Porto-Vecchio - Corsica

Perfect for honeymooners to have an amazing start to their new life. This beach is beautiful closely and remotely. Come enjoy the sun of Corsica and take shelter in its wonderful pines. Some travellers consider Palombaggia beach the most beautiful beach in Corsica, a real paradise on earth with crystal clear water, calm sea and white sand.

These are some of the best holiday destinations in Europe. So, What are you waiting for? Go and spend quality time with family and friends and enjoy holidays in Europe with amazing discount and cash back offers on the flight and hotel deals.

HAPPY HOLIDAYS! 😊

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Tips to use credit card safely for online shopping

Shopping online is extremely convenient, and with the increased spread of smartphones and internet in India, this trend is expected to increase further. Credit cards, among other payment methods, are being used for making payments for online purchases. Along with the rise in online shopping, there has also been a rise in online frauds.

According to Experian’s Digital Consumer Insights 2018 report, 1 out of 4 customers are falling prey to online fraud, while 24% of the respondents have directly experienced fraud while transacting online. Therefore, the user has to make sure that every safety precaution is followed, while using their credit card for online shopping.

Here are some useful tips on how to use credit cards in a way that will help protect you from becoming a victim of online fraud.

Never store credit card details online

It may be more convenient to store your credit card details on a website that you frequently shop from, but this practice can also make your credit card details vulnerable to hackers and unethical elements. Entering your details every time you purchase something can seem cumbersome, but in view of the security benefit it offers, it is well worth it.

Don’t transact over public Wi-Fi networks

The government is introducing free Wi-Fi in public places – which is a good measure – but, you should be wary of giving your credit card details while connected to them. Since this network is for the public, they have very low security and can be easily accessed by hackers.

Further, due to the lack of any software to prevent malware and spyware from infiltrating these Wi-Fi networks, they prove to be easy hunting
grounds for people with malicious intent.

Shop online only on reputed websites

By manipulating results of search engines, fraudulent online stores can trick gullible customers into parting with their credit card details. Therefore, it is extremely important to verify the integrity of the website you’re being directed to.

Always shop from a known and reputed brand and be aware of fraudsters who try to trick you by modifying the domain name of a reputed brand. For example, a website like Flipkart.com can be listed as Flipkart.biz and have the same graphical elements to trick you.

Look for SSL encryption

Whenever you are in doubt about a website’s trust quotient, always look for a closed padlock icon at the start of the address bar, along with ‘https://’ instead of ‘http://’. If these elements are present, then it means that the website is secure with a Secure Sockets Layer encryption (also known as SSL).

The SSL technology encrypts the flow of information from the shopper’s device to the retailer’s server. SSL also scrambles the information that you enter so that it becomes even tougher for hackers to access your credit card and other personal details.

Put a strong password

This is one of the best things that you can do to protect your credit card account from getting hacked. Make sure that you give separate, strong, hard-to-crack passwords for all your accounts. This will ensure that if one of your accounts is hacked, the others will not be compromised as well.

If the above tips are followed, then it will ensure that you have a safe online shopping experience. Check out credit cards like the Bajaj Finserv RBL Bank SuperCard which offers robust security along with features such as ‘in-hand security’ and ‘zero-fraud liability cover’.

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How can Government Employees Resolve their Sudden Financial Needs?

An unexpected medical emergency, travel or wedding expenses can drain a government employee’s savings. Financial aid in the form of personal loans offers a cushion to incur such expenses at a short notice.

Whether it’s a travel-related expense, higher education loan or a medical emergency, financial needs can arise at any time. While some might be able to make do with their savings, a vast majority of the working population is financially inept at tackling such emergencies.

However, government employees can avail a personal loan designed especially for them to tackle the shortage of funds:

Personal Loans for Government Employees

A Personal Loan for Government Employees can help create a financial bandwidth to deal with emergencies. Today, there are tailor-made Personal Loans for government employees which gives them access to a large amount of funds at a short notice. Additionally, with the high rate of competition, banks and financial institutions offer loans on zero collateral basis as well as low withdrawal limits and more.

This is made personal financing easy for everyone to use when they need it most. Listed below are some of the types of personal loans:

1. Personal loan:
Certain circumstances such as planning your dream wedding, paying for a home renovation or medical expenditure might require funds at short notice. Financial institutions offer a personal loan for government employees, disbursing funds within 24 hours of approval.

2. Credit line:
Credit lines are created to offer fast and flexible money to individuals for a variety of different needs ranging from medical expenses to everyday expenses.

3. Flexi Personal Loan:
A sudden travel or medical emergency might call for you to travel to a different country, undergo an operation or incur your child or spouse’s medical bills. Here, applying for a Flexi Personal Loan can be beneficial. Its easy-to-use nature allows you to transfer funds from your loan account to your personal account.

With an option to repay the loan partly at no additional costs and multiple withdrawal features, it allows you to borrow funds when you need and pre-pays when you can.

A personal loan for government employees in India, just like other forms of personal loans, generally doesn’t require a collateral. This means to avail this loan, you don’t need to pledge any asset as security. This makes it easy for recently employed Government employees to avail this loan. Often those who are in the initial years of employment find it difficult to arrange for a collateral while availing a loan.

Generally, most NBFCs come with an easy repayment tenor that helps you repay the loan with utmost ease. Before availing the loan, it’s essential to find out whether the lender is flexible with the tenor or not. An easy repayment tenor ensures you can spread the EMIs of your loan as per your cash flow.

The overall process of applying a loan has become easier and can be done within a matter of minutes online. All you need is proof of identity, proof of income and residence proof to ensure a hassle-free process.

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Buying Luxury Property in Pune - A Worth Making Investment

Luxury homes can often feel like a dream. You can always dream of living lavishly, in a breath-taking home but more than often you will fail to see yourself in one. There is a fine line between daydreaming and reality and that fine line can be obliterated with a little planning. With a little knowledge and wisdom you can now own a luxury home in Pune. It is not just a dream habitat, it is also a great investment and with great luxury comes great planning as well. You need to be wise when buying property and wiser when that property is a luxury home and that also in Pune. NRIs and HNIs have made it a trend to own a few luxury homes here and there. But if you are a first time buyer and neither an NRI or an HNI, why would you consider buying a luxury home? Well here us why –

1. It is one of the best investments you can get hold of it India. It is always clever to invest in real estate because property prices never depreciate. They are always on a surge. Property is in in fact the best gainer when it comes to assets and money for you. It always guarantees good returns and is a safer option than most other investments. And luxury properties especially add more to the boost when it comes to the real estate industry. You returns are multiplied even more when it comes to luxury homes such as the Ganesh Imperia in Wakad, Pune.

2. People call these homes “luxury homes” for a reason. If you are the one staying in it, forget all your worries because you will have the best and the most comfortable time of your life in these homes. These homes come with advanced technology and the best comfort features. They make your living experience lavish and grand.

3. Luxury homes are expensive and so are the belongings residing inside it. So these homes are by defauly very safe. And you stay inside these homes, there is no harming you. You, your family, your money and your things will remain safe and sound. These homes employ state of the art security facilities which includes both man and machine, i.e., well trained professional security personnel and also some of the best and most advanced security tech. You also have provisions for taking care of various medical emergencies in these luxury houses in a prompt and efficient manner. This is because these luxury homes always come with reputed hospitals and healthcare centres surrounding the project area.

4. You get some of the mind blowing features for living with these luxury homes. These homes are not just aesthetically pleasing but also reek of the best and the most unique manifestations of architectural prowess ever. When you own a luxury home, people are bound to look at you because these houses evidently stand out and so do you with these. In fact, localities come to be known by the presence of one of these luxury homes in there. So, imagine your name being used as the owner of the luxury home in your locality to mark it. There is no doubt about the fact that you will feel both proud and flattered.

5.Believe it or not, a luxury home is a status symbol for a lot of people. As mentioned earlier, it is a norm among the high net-worth individuals (HNIs) and non-resident individuals (NRIs) to have a few luxury homes to their names. These would necessarily include celebrities, corporate executives, high-profile businessmen, industrialists, etc.

6.You get the best technology and tech – ‘smart’ness with these houses.
One can avail the Pradhan Mantra Awas Yojana (PMAY) for buying luxury houses as well and avail the Home Loan interest rate subsidy. With this you can get the survey of the property conducted ULBs absolutely free of cost.

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5 Major Reasons to Open a Corporate Fixed Deposit Plan

Do you have some extra money that you want to invest in a fixed deposit scheme to help it grow further? You can open a corporate fixed deposit plan as compared to the bank FD scheme, it can offer you higher returns and many more benefits.

If you are not yet convinced about why investing in the corporate fixed deposits could be a better move, this post will help you know some vital reasons for investing in it.

What is a Corporate Fixed Deposit Plan?

Corporate fixed deposit plan is a scheme which is provided by leading non-banking finance companies (NBFCs) and other service providers. Compared to the conventional FD schemes, investing in corporate fixed deposits can help you lap up higher ROI in a short tenor. The tenor of a corporate fixed deposit plan is between 1 year and 5 years and gives a higher ROI of 8% and 8.75% in case if you are a senior citizen. Also investing in corporate fixed deposit plan will help you to save TDS on interest income through form 15g and 15h. To apply for these forms you must have a PAN card.

5 Reasons to Stay Invested in Corporate Fixed Deposits 

Here are some reasons investing in corporate fixed deposits should be profitable to you:

1) Higher Interest 
Compared to the fixed deposit plans of banks, the interest-based ROI of the corporate fixed deposits are always a winner. You can avail up to 8.75% annually on the fixed deposits accounts under the company fixed deposit plans. Standard citizens can enjoy up to 8% while senior citizens can avail up to 8.75% as the interest gains. You can also enjoy customized interest rate if you put in some heavy deposits. You can choose cumulative (payment after the end of the tenor) and non-cumulative (periodic payments) system as per your needs, and goals that you want to achieve.

2) Security 
Compared to bank fixed deposit plans which are considered safer as its FDs are insured up to Rs.1 lakh by the RBI in case of default, does not make corporate FDs less safe. The corporate fixed deposit plans are safe and secure plans as they are backed by and carry ICRA and CRISIL safety ratings. Such ratings mean that you need not worry about losing your invested money in a company fixed deposit scheme.

3) Wider Tenor 
When it comes to the flexibility of the fixed deposit plan duration, you should opt for the corporate fixed deposits as they provide flexibility in interests, document requirement and more. They also come with a flexible tenor as you are free to opt for a duration ranging from 12 months and 60 months. Also, you can open more than one FD plan for meeting each one of your goals without any restrictions and issues.

4) Online Account Management 
When everything is available online, can fixed deposit plans be behind? No, right? You can apply for corporate fixed deposits online and save time and efforts. Once your account is open, you can also track its progress right from the digital customer portals of the service providers, right from anywhere and 24/7.

5) Other Facilities 
The above all discussed FDs facility makes it as most preferable and best investment schemes among people. There are also other more facilities that FD can provide you are: Leading online fixed deposit service providers also provide you many other facilities such as online fixed deposit calculators and loan against FD and more. In case you want to liquidate your FD, you need not do that and lose your interest. Instead, you can opt for a loan against it to cover your urgent needs at a lower interest and longer tenor. You can also use the online fixed deposit calculator and calculate in advance your total interest-based ROI for an invested amount against a tenor.

The Bottom Line
Now that you are aware of the major benefits that the corporate fixed deposits can give you compared to the banks and others, it will be good to invest in such a plan.

The ultimate goal of any investment scheme should be safety, and guarantee of ROI and higher interest and the corporate fixed deposits provides you all such benefits. Applying for a corporate fixed deposit plan is easier as you can apply online and get started towards a healthy investment habit.

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3 Simple Tips on How to Expand Your Medical Practice

Statistics released by the Health Ministry show that the doctor-patient ratio in India is extremely poor. The number of hospitals in the country is also very less.

According to the official figures, medical negligence is the primary reason for deaths in India. This has led to a huge increase in the number of private clinics, especially in smaller towns.

However, these clinics are not easy to establish. Besides the initial set-up costs, doctors who have their own medical practice have to focus on a lot of other issues simultaneously. This is why a medical practice loan is rapidly becoming popular.

There are multiple tips for a doctor to follow before establishing a clinic. 2 important ones are as follows:

1. Hire wisely: When you start your own medical practice, employ the best technicians and helpers available. For example, if you are a dentist, make sure that you hire someone who has at least 2-3 years of experience in the same field. While you perform a complicated dental surgery or repair, your assistant must have the expertise to perform anaesthesia.

2. Create a USP: Try to be different from other clinics within the city. There are many ways you can do so. Try and arrange for a team of specialists across multiple branches of medicine.

From specialists in Neurology to Cardiology and Gynaecology, some General Physicians and dentists put together a team of experts. This will truly create a multi-disciplinary clinic.

3. Use the latest technologies: Medical Science is improving every day as more and more discoveries are being made. To cover the expenses associated with such up-gradations, you must avail a professional loan for doctors. These loans are easy to avail and provide you with quick liquidity.

Features of a business loan for doctors 

● A Business Loan for Doctors can easily be availed of amounts of up to Rs. 30 Lakh. It can be used to meet a variety of expenses related to equipment purchasing, travelling, etc.

● If you are a doctor who is looking to send your children abroad for studies or planning to shift your clinic to an entirely different premise, a loan against the property for doctors of up to Rs. 2 crore is available. This will take care of your monetary issues.

● The doctor loan interest rate is reasonable and is not too high. As such, repaying such loans is easier through affordable EMIs.

Offer something extra
Try and read up on the latest technological advancements in medicine and implement the same in treating patients. Offer value-added services to patients free of cost. For example, make charts for the BMI (Body Mass Index), ideal weight, and healthy living and then hand them over to your patients. This can help you maintain a sustained footfall at your clinic. It will keep you apart and ahead of your competition in the market.

Do not blindly follow what other doctors are doing at their clinics. Especially in tier 2 and tier 3 cities, doctors can set up path lab centres and grow their reach. A medical practice loan can address the monetary requirements of setting up a laboratory.

Lastly, it is always better to have a CA handy so that you can calculate how much money you are spending, how much is your revenue and how much profits you are making. A qualified CA will be able to point you to the right direction. If advised, do not hesitate to take a professional loan.

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