Tips to deal with pregnancy pain

Pain and discomfort is a part of pregnancy along with excitement and happiness.  The intensity of pregnancy pain can be low or severe according to the problem and if the pain causes discomfort to the women then medications are inevitable under the supervision of a medical practitioner.    Pain Killers are available in the market which can be obtained over the counter or showing prescription of the physician.  The pain killers are known as analgesics are prescribed by the physicians after analyzing the condition of the pregnant women and the type of problem which causes the pain.   Pain killers can have an adverse effect on the development of the fetus and hence they should be taken after evaluating the condition of the pregnant women and the potential complications that could arise due to the intake of pain killers.

Types of Pregnancy pains

Most of the pregnancy pains are concentrated in the abdominal region of the pregnant women.   As the pregnancy advances the size of the uterus also increases which put pressure on the rectum.  In addition to it, the digestive system of a pregnant woman is not very strong due to hormonal changes and constipation becomes a persistent problem for many of the pregnant women.  If the constipation is severe then the expectant mother can experience pain in the abdominal region and pain killers can be the only option to get relief. Urinary tract infection is another common cause of pain during pregnancy it also needs medication otherwise the infection can become a serious threat for the expecting mother and the unborn child. Ectopic pregnancy, miscarriages and preterm labor are also some of the causes of pain during pregnancy.  The physicians can guide the expecting mothers about painkillers to take while pregnant.

Types of OTC painkillers for expecting mothers

Over-The-Counter pain Killers has two categories of active ingredients. They are,

Acetaminophen: This active ingredient is considered safe for pregnant women.  It is used to relieve pain for fever, headache, sore throat and mild Pains during pregnancy.  The use of this ingredient is safe in all the three trimesters.

Nonsteroidal anti-inflammatory drugs: Some medicines which include this active ingredient are not prescribed by the physicians during pregnancy.  Aspirin should not be taken by the expectant mothers at it is known to cause heavy bleeding.   If a pregnant woman has preeclampsia, then the physician after evaluating the condition of the foetus Prescribe the medicine for the expecting mother to eliminate the risk of blood clots.  Naproxen and Ibuprofen are safe medications in the pain while pregnancy. These two drugs are safe in the first two trimesters and should be avoided in the advanced stages in pregnancy as they are known to increase bleeding.

Prescription pain killers for pregnant women

Opioids are the most commonly found prescription pain killers.  The opioids are used to relieve pain from an injury, surgery or severe headaches. These analgesics are found under the brand name of OxyContin, Duragesic, Percocet, Vicodin, Demerol and codeine. Sporadic use of these prescription pain Killers is recommended by the physician as they can be harmful to the health of the expecting mother and the baby.

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Advantages of getting office space for lease in New Delhi

Having a well-designed office space is very important for any organization or firm because the work area truly defines the business and gives the first impression about the organization to the clients or any person who walks in. The office space should always be designed and setup in a way which does justice to the organization. Office space is essential for holding clientele meetings so as to develop a more formal and professional work relationship with the client. It is necessary for keeping a track of every employee’s day to day work and whereabouts. Also, office space is needed for conducting training sessions for the employees or arranging workshops for them so that they learn new things and implement it in the best way possible to improve the firm’s business and to obtain a position in the market. Discussion of target audience and weekly targets and goals to be achieved can be very well discussed in a proper office space where all employees can sit and discuss over what needs to be done to increase sales and make a prominent position and presence in the commercial world.

office space for lease

You can opt for office for lease in New Delhi, as you will get various options to select and choose from. There are numerous sites on the internet which offer some of the best designed office spaces on lease where you can carry out commercial activities of your business in the most effective way. These office spaces are available for lease in almost all areas now, so you have the liberty of shortlisting office spaces in the area which you prefer. You can select an area which has good transportation facility available. Good conveyance facility will help you attract more employees because no one wants to travel to not well-connected areas to work. Females are usually restricted from travelling for work to areas which do not have a good connectivity with the main city with proper transport service or facilities.

An area which is situated on the main road or important places are also prone to getting more exposure as people get to know about your company while they pass by it. They develop a curiosity as to what does the firm deal in and want to know more of it. Having an office in a properly accessible area is a plus point since people become aware of your firm’s presence and without you putting much efforts on advertising, they advertise your organization by word of mouth.

Property leasing in New Delhi, is also not so difficult. You can get in touch with brokers as they can help you close the best of deals when you are on the lookout for the best office space on lease for yourself. The brokers will understand your basic requirements very well and help you find the best suited office space on lease for you according to your needs. They make sure that you are satisfied with the deal and then only move forward and ahead with it.

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Top Tips To Family Care With A Busy Lifestyle

If you want to keep your family members happy then you have to steal some moments from your busy schedules. After all, the family is the most precious asset for every family loving individual on this earth.  Care home in London can be chosen for taking great care of seniors at home.

Tips To Family Care With A Busy Lifestyle

Best ways of keeping your family happy:

●       Care ageing parents: When you leave your house for office every day do you know what your seniors do for the whole day? Seniors feel boring and emotionally depressed. They find great difficulty in doing their daily tasks at home. If you want your seniors to lead a happy and assisted life then you should choose the right care homes in London. These care-homes are fully dedicated to taking care of every single need of your seniors and thus you can completely rely on them.

●       Take the family for vacations: If you are working in an office for the full day then your wife is also working at home throughout the entire day. Your kids also miss you a lot. At night when you come exhausted then you lose your mood of accompanying them. If this thing continues for then an invisible distance will be created in between you and your family members. In order to reduce this distance, you should plan holidays on a frequent note. These holidays can be planned during weekends so that you can utilise your holidays effectively. Choose the most exciting destinations where you can spend luxurious holidays with your family.

●       Take the family to social gatherings: Do not skip attending social-gatherings as this step might make your family upset. You should always accompany your family at different social events especially anniversaries, birthday parties and others. You can also take out your family for movies. You can also plan for sudden parties at home by calling your close friends or acquaintances. These parties will make your family happy.

●       Celebrate special events: Do not forget birthdays of your wife or kids rather keep them in mind so that you can plan surprises for them. Give romantic gifts to your wife on every anniversary. These events will surely bring you and your family much closer and you will always remain happy.

These are a few simple tips that every man leading a busy life should do for his family in order to maintain a perfect balance between professional and social life. You can also plan for different surprise gifts that can please your family. Buy romantic gifts for your wife and exciting toys for your kids. You should bring useful gifts so that they can be utilised well. If you have kept your seniors at any Care homes in London then take your family there for visiting your old parents frequently.

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Understanding the uses of a Virtual number

In 2019, gone are the days when application developers were required to negotiate painful agreements with multiple telco operators in order to obtain a regionally-limited phone number at exorbitant rates. Virtual phone numbers are needed to communicate effectively with users and/or consumers. Provisioning virtual numbers that are in the same market as consumers have a greater chance of being read and interacted with.

If an organisation chooses to buy virtual number for sms, it enables an organisation in sending and receiving SMS text messages over the internet without the compulsion of having to use a physical phone. This can prove to be especially useful if one wants to use a software to communicate with telephone networks that would be impossible to connect with on a physical phone, e.g. Zomato notifying a customer that their food delivery is outside or to have local phone numbers in different countries.

Virtual SMS enables a business organisation to use local virtual phone numbers to send messages, enabling recipients to reply to the text without incurring any international charges. There are two major ways to send Virtual SMS text messages, they are as follows:

• API: Using software one can write, send text messages to a rest API over the internet to an API vendor. This approach enables an organisation to deeply integrate Virtual SMS into the systems to achieve maximum results.
• Software: Using software, a purchase includes messages and phone numbers, typically with a graphical user interface (GUI).
• Software + API: This is when you purchase software that sends Virtual SMS text messages via an API which is not provided by the software vendor.

Buying a virtual SMS number that can receive SMS without limitations is one of the best ways to engage with one’s consumers and to ensure a two-way communication. This can be done by having a virtual mobile number for sms where the customers can text in Short Codes/Long Codes depending on the requirements. Customers can reach out for more information or show interest in a product or service through a simple text sent. one can also configure the inbox either by using dedicated numbers or by using keywords on shared numbers.

a number of considerations should be taken into account while choosing a virtual phone number, ranging from costs and location to future proofing and service options available. Nevertheless, virtual SMS numbers offer multiple benefits that make the setup process much well worth it:

• virtual mobile numbers can be used anywhere. they can be used to send and receive SMS messages or forward calls to an email account.
• Many small business owners make the mistake of using their personal number for professional needs, leading to haphazard confusion. Renting virtual numbers can help solve this problem.
• Setting up virtual phone numbers for local markets proves to be a lot cheaper than using traditional carriers or sending text messages internationally.
• Most dedicated numbers are set up through various systems or SMS services that offer a large variety of features such as call forwarding, SMS automation, bulk SMS services, two-way free texting online, etc.

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Why Debt Mutual Funds are Better than Fixed Deposits

Debt mutual funds and fixed deposits share common purpose of investment: Safety of investment and steady return. Some of the criteria are liquidity, tax treatment, ease of investment, ease of withdrawal and credit rating. Depending on individual circumstances, short term vs. long term financial need and risk appetite, you can decide the ideal choice between the two. When considering FD vs. mutual fund, by and large, both the instruments serve the purpose, there are fundamental differences when the investor chooses to invest his hard earned money. If you have a large investible surplus, you can also choose to make a combination of debt mutual funds and FD to create ideal fixed income portfolio. Here are some key points you can evaluate if you come across the choice between FD vs. mutual fund.

Interest Rate

In Fixed deposit investment, the rate of return is certain. You will have a precise idea of the amount of FD rates and maturity amount before you invest in the fixed deposit. However, the same is not true with debt mutual funds. Since any mutual debt fund holds several governments’ and corporate debt instruments, its return varies daily. At the end of each business day, debt mutual funds declareNAV (Net Asset Value) of each unit. Based on the same, you can know the rate of return. Usually, the returns of fixed deposits and debt mutual funds are comparable, with a difference of 0.5% to 1.5%, based on the type of fixed deposits and mutual funds. When the interest rate is at pick level, it is better to invest in fixed deposits of reputed NBFCs so that you can lock the higher return for your investment. With the help of online FD calculators, you can understand the difference precisely. It matters a lot particularly when the amount of investment is higher.

Ease of Investment

Apart from the FD rates, it is important to know the efforts required to invest the money. Traditional fixed deposit requires visiting the bank multiple times before your money can start generating the interest income. However, with the help of technology, many NBFCs offer internet FD to invest your money with ease. Similar is the case with mutual funds. You need to be KYC compliant customer if you want to invest in debt mutual funds. Nowadays, many fund houses provide an online investment opportunity. For a small amount, you can be e-KYC compliant with your PAN and AADHAR number. While for a large amount, you have to complete regular KYC.

Ease of Withdrawal

If you have invested in close-ended mutual funds like FMP (Fixed Maturity Plan), you cannot withdraw your money before the maturity date. The loan against mutual fund is also not available in the financial market, even if it is, it is not practical to do so. If you have invested in the open-ended mutual fund, you can withdraw your money at short notice. After your withdrawal request, money comes to your bank account within 3-4 business days.

On the other hand, for Fixed Deposit investment, you have two choices: You can break your FD, or you can take a loan against FD. The choice depends on a couple of factors: If you are in the middle of the maturity period of the FD or near to maturity period, it makes sense to take a loan against FD and quickly repay it or adjust at maturity. If you have recently made FD, it is a better choice to break the FD. However, penal interest is chargeable if you break your FD before the maturity period.

Quality of the Investment

There area plethora of choices in debt mutual funds when it comes to quality of investment. You can get higher interest in debt funds like “Credit Opportunity” funds, where it is categorically informed that credit quality of the investment in the fund is questionable. So many choices confuse mutual fund investors to chose the right fund. Here fixed deposits scores better than FD. For example, Bajaj Finance offers AAA rated fixed deposit, that is the highest possible credit quality and least possibility of default. The rating is offered by independent agencies like CRISIL and ICRA Ratings Agencies. Here you can get ‘bank-like safety’ of your fixed deposit, with ‘better than bank’ interest rates. However, apart from credit rating, investors should also vouch for past several years’ history of the NBFCs to know their repayment capability.

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Is Occupancy Certificate needed for the Loan Against Property?

The purchasing of the home is one of the most vital decisions that you will ever take in your life.

However, before you make a move into your new home, it is also vital to check all the relevant documents related to it. One of the important documents that you need to check is the occupancy certificate (OC).

An occupancy certificate is also known as the completion certificate/pass certificate. It is a certification that the proposed building has been completed. It also denotes that the builder has also compiled with the earlier approved plan.

The municipal corporation generally issues the occupancy certificate. It concerns the building’s developer with more than five units. It is given to a part of the building or whole of the property and not allocated to every single unit.

In case, if the builder is unable to procure and provide the occupancy certificate, it means that the building is unapproved.

Thus, if you are living in a unit or apartment in a building and looking to use it for the mortgage loan or the loan against property, you need to have the OC.

Here is a quick article that will help you know the importance of the occupancy certificate for applying for LAP.   

Is the Occupancy Certificate required for availing a Loan Against Property?

You need to have the occupancy certificate if you need to apply for a loan or a loan against property (LAP). It is extremely essential for the resale of the property as well. 

It is illegal to reside in a property that has not yet been able to get its occupancy certificate. It is also sought by crucial departments such as power, water, and sewage to offer connections to your apartments.

Even if the builder has been able to get all vital connections illegally, it could be disconnected at any point due to the absence of the OC.

Hence, before you get instant mortgage approval, you need to ensure that you have the required occupancy certificate.

Loan Against Property Benefits that you may grab 

You are aware of the importance of the occupancy certificate while applying for home mortgage loans or a loan against property. Let’s have a look at the benefits of the same.

A loan against property is a unique facility to grab instant amount at a lower mortgage loan interest rate. All that you need to do is pledge your property with the lender for acquiring an amount over a tenor.

• Higher Loan Amount – If you are a salaried individual, you can borrow an amount as higher as up to Rs.1 crore. Self-employed individuals are eligible to get a loan amount of up to Rs.3.5 crore.

• Flexible Loan Tenor – Salaried people can get a tenor ranging between 2-20 years and up to 18 years for entrepreneurs to repay the loan.

• Easy Balance Transfer – Are you already having a LAP facility and paying a higher rate of interest? You can switch the loan to a lender offering lower rates.

• Flexi Loan Facility – You can borrow an amount out of your sanctioned limits and pay only the interest as the EMI on it. The rest of the amount gets adjusted after the end of the tenor.

• Online Account Facility – You can access the LAP account details via the digital customer portal of the lender. This way, you can track all details 24/7 and right from anywhere.

If you are ready to apply for the mortgage loan and loan against property, you can apply online and get started.

Additional Read: How do mortgage, pledge, hypothecation and charge differ from one another?

Bajaj Finserv offers pre-approved deals on loan against property, mortgage loans, housing finance, business loans and more.  It is offered to make your entire loan application and processing fast and hassle-free. You can check out your pre-approved loan offers by sharing your basic details such as name and mobile number.       

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What are the Documents Needed for MUDRA Loan Application?

The Micro Units Development and Refinance Agency (MUDRA) was launched to provide financing and support to micro enterprises in the country. Since it offers finance as well as technological support and skill development, it is a promising resource for budding Indian entrepreneurs. Through the Pradhan Mantri MUDRA Yojana (PMMY), MUDRA offers loan up to Rs.10 lakh to micro enterprises. To cater to different needs, it offers three financing options to choose from: Shishu (loans up to Rs.50,000), Kishore (loans between Rs.50,000 and Rs.5 lakh) and Tarun (loans between Rs.5 lakh and Rs.10 lakh). However, to avail this loan you need to submit the required documents and conform to the MUDRA loan eligibility criteria.

 Here is the checklist of documents that you need to submit to avail a MUDRA loan.

Identity proof

For the verification of your identity to avail a MUDRA loan, you have to submit self-attested copies of certain documents. These are as follows.

    • Aadhaar card

    • Voter’s ID

    • Driving license

    • PAN card

    • Passport

    • Any other photo ID card issued by a government employer

Here it is important to note that your identity proof must be self-attested.

Address proof

As a proof of your address for MUDRA loan application, you have to submit documents as well. These are as follows.

    • Electricity, telephone, water or property tax bill

    • Aadhaar card

    • Voter’s ID card

    • Passport

    • Bank passbook or bank account statement that is attested by officials.

    • Certificate issued by a local government body like the municipality or gram panchayat. Optionally, you can submit a domicile certificate.

Proof of business

Apart from your identity, you will have to submit documents that prove the existence of your business to avail a MUDRA loan. For this purpose, you can submit the following documents.

    • Certificate of incorporation

    • License

    • Registration of business

    • Any other document that confirms the existence of your business, its address and ownership.

Other MUDRA loan documents

Apart from identity and address proof, you will have to submit other documents to avail this loan. These may include some or all of the following.

    • Photos of all the businessowners or partners

    • If you do not belong to general category, proof of belonging to a scheduled caste, scheduled tribe or OBC category

    • Balance sheet for the last 2 years

    • Income tax returns or sales tax returns

    • Bank account statements or bank passbook

    • Partnership deed or memorandum of association and articles of association

    • Sales details for the current financial year up to the date of filing the loan application

    • Forecasted balance sheet for 1 year or for the entire loan tenor

    • A business report that certifies economic and technical feasibility of the business

However, if you have immediate capital requirements or need a larger amount, instead of choosing a MUDRA loan, you can apply for a Bajaj Finserv Business Loan. It offers financing up to Rs.30 lakh to cater to all your business needs. Also, you can avail this loan at a competitive interest rates by submitting only two documents, without any collateral. 

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