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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Importance of a nutritionist to Get Healthy Lifestyle

While some people are born on the heavier side since it’s in their genes; others might be overweight due to some serious health issues. It’s a popular myth that weight is gained due to overeating, but it is not the case all the time. Whether it is the case with weight loss or weight gain, people have never hesitated to body shame, without understanding the mental trauma they put the people suffering from it go through. The only logical solution in a society with such assumptions provoke the ones suffering from it to either starve themselves to lose weight or stuff themselves with the unhealthiest of food possible to gain weight.

The correct approach to dealing with weight loss and weight gain-

One doesn’t have much control over what the society thinks, but one has control over how they approach this problem. Many deals with this problem by developing unhealthy eating habits such as starving themselves to lose weight. Losing or gaining weight and healthily doing the same are two different concepts. One of the ways you can do so is by consulting the best dietitian for weight loss.

Disadvantages of not seeking professional help-

If you avoid professional help, you end up doing one of the following:

1. You starve yourself in the hope of losing weight. But the end result is a nutrient-deprived body without any strength which can cause severe health issues.

2. You overeat (stuffing yourself mostly with junk food) thinking that you will gain weight, not realizing that you are developing an extremely unhealthy body which is stuffed with improper food.

3. You turn to unreliable sources such as friends and the internet to create our own diet plan, not realizing that your body functions differently than the other. In the end, you see no results which ultimately leaves you frustrated.

4. You decide to continue living the way you live. As a result, you either keep gaining weight or exhaust yourself mentally.

Why is professional help important?

Seeking professional help such as consulting a dietician or nutritionist can do wonders for your health, and consequently your body. Dieticians and nutritionist are experts in the field of nutrition and can help you lead a healthy life by dancing sound diet plans.

Many circumvent the step of seeking professional help by researching about diet plans themselves on the internet. It is essential to understand that no one diet is ideal for two bodies. Which means that a diet plan which seems to be working for one might not work for the other as every individual has a different body functionality. While some might find following the diet mentioned over the internet beneficial, many find it inefficient. A nutritionist in Delhi will understand the working and metabolism of one’s body and create meal plans accordingly.

How can professional consultation help?

Dieticians and nutritionists help you gain or lose weight in a safe and healthy environment under their supervision. This means that not only do they recommend plans which your body can accept without any drastic, unhealthy demotion but your body now gets the right nutrients it needs. The constant supervision ensures that you are in safe hands. Moreover, you begin to notice changes in your body gradually. It is never too late to seek help and live a healthy life. 

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Fashion up your iPhone with these Designer Covers

Just like the brand itself, iPhone covers are available in the most stylish of designs. Fortunately, they are available in a broad range, from luxury ones to those fashion street kinds, suiting all pocket.
Many users are ultimate luxury brand owners and prefer it that way. Some of the leading fashion brands offer a variety of really iPhone fashionable covers just like their runway couture. If luxury is your way, you can choose from a fantastic lineage of designer iPhone covers these luxury brand offer.

So, we thought of bringing to you, few selected top-class iPhone covers, to help you resolve your dilemma of which designer cover to buy. Here is a list of the top six:

Gucci Courrier Cover-

This Gucci cover just like runway fashion will glamor up your iPhone. The iPhone itself a luxury on its own. But with this cover, you can add more class to it with this pricey protective cover. The cover has a blend of contemporary embroideries with vintage-inspired details, including a Gucci vintage logo. The appliqués are individually embroidered and then skillfully hand-applied to each piece by specialized artisans. It includes two card slots.

Louis Vuitton Plus Folio cover-

This cover elevates the already luxe look of your iPhone. LV’s new iconic black and grey Monogram Eclipse canvas is as innovative as it is elegant. It is a slim and sober cover which features two inside flat pockets for business or credit cards. The adhesive surface holds the phone securely to its place for protection.

Mulberry iPhone Grain Leather Flip Cover-

This brand of iPhone cover is available in four colors, made of genuine grain Leather. A good looking cover that resembles a smart leather wallet, wrapping your iPhone completely. It comes with a magnetic closure and pockets to store two cards.

Michael Michael Kors Carnation Folio Cover-

The Michael Michael Kors Carnation Folio Case is attractive with vibrant colors. It provides space for up to 3 credit cards, and a small slip pocket. It includes a magnetic closure that keeps your things secure. It almost has the functionality of a purse or clutch.

Greenwich Walker Alcantara Folio Cover-

This gorgeous cover is made using high-quality materials and expert tailoring. It offers a secure fit with a carbon fiber lining, which the company calls – shotgun proof – giving your iPhone the ultimate luxury protection. The cover also includes a card slot, and the flip-back magnetic folio cover is perfect for easier usability during phone calls. Complete luxury in your hand.

Rebecca Minkoff Love in Charge Crossbody iPhone bag-

This classy cover is made of genuine leather, which includes 5 Card slots, one pocket for power bank, one pouch to hold the phone, and a built-in power bank with a charging cord. It comes with a detachable, non-adjustable 23 inches strap to use it as a sling bag, and turn-lock closure.

The above listed designer phone covers are available at all major online portals with multiple choices of color and style. The great looks will tempt you to go for more than one if you have the pocket for the price tag. Enjoy them while you can.

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How Artificial Intelligence is Reshaping Web Design?

Artificial Intelligence or AI comes with lots of capabilities to change the face of web design as we know.  It’s touted to change the game on the internet and its effects are visible everywhere. Businesses now find it easy to deliver personalization in every sphere and this is something customers always vouch for. AI can be applied to any industry to improve efficiency and that’s where web designing is gaining the benefits as well. A lot of companies have already used Artificial Intelligence in web design to cater their target audience effectively and the trend bodes well for the future.

   

Artificial Intelligence is reshaping web design in many ways, including -   

AI embedded into web design to make lives easier 
A growing number of companies now use AI in their processes and systems to deliver value to their customers and also to make lives easier. Today, websites are available that embed AI into their design/development so that search results could be improved. We have already seen the use of chatbots and virtual assistants being used in web design to help customers at different levels. And you know virtual assistants have made it possible to process voice queries and deliver immaculate results.     

AI to help in design decisions 
The use of Artificial Intelligence is growing in automated web design. You can easily find sites leveraging the power of AI and helping people with design decisions. There are platforms capable of identifying a right layout for your website and letting you know about font colours and other design aspects. It’s therefore possible to take smart design decisions and have a powerful website. AI machines are there to help create quality websites and set the pace for your business. 

Web design differentiation with cognitive abilities
The advancements in AI are changing the way we use web design and there are also cognitive abilities to create the due difference. It’s possible for machines to create design and graphics by using sensors and IoT. Powerful and attractive web design is a possibility and better results will come with more things going to get connected to the web in coming years. Machine learning has added a new dimension to do-it-yourself design procedure. 

AI to let you design with context  
Gone are the days when you had to rely on simple machines capable of doing tasks involving same type of sequence. Such machines were never meant to take context into account and this was their biggest drawback. With AI, smart algorithms can be knitted into web designs and theme to help you in many ways. You can even expect suggestions for colour, font, theme relevant to the content and this is how AI has been transformational in true sense.     

AI to ensure superior user experience 
AI is now in great demand to deliver superior user experience by bringing consistency in the design. It’s possible to spot and fix low inconsistencies with design which naked eyes can’t, to deliver better experience to visitors. Any design flaw can be rectified easily thanks to the machine learning and context consideration abilities of AI. So, you can expect the design to go flawless and this is how a superior user experience can become a reality. 

AI to strengthen search with structured identification 
Today, AI is used a lot in web development India in order to produce sites and apps compliant with standards. It’s also possible today for AI-enabled algorithms to spot changes of any nature in images easily. Even pixels can be spotted to correct flaw with images. That’s how web developers ensure that algorithm is set in a way to sync design and search for better results to users.

Author Bio:- Praveen Singh is a writer and blogger, and a professional interested in sharing interesting ideas with the world. His blogs give a peek into things that aim to inform, enrich and entertain the readers. He loves sharing views on anything that provides value to the readers and helps broaden their horizon.

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