People often say that renaming is one of the most uncertain and unstable tasks to carry out. There is an enigma of tragedy people tend to link with re-branding and naming a company. But we here at Squad Help believe in positive intent. We are very well aware of the fact that for once, a bad paper can be edited, but a blank paper cannot be edited. That is why we are here to help you through your renaming and rebranding process. Many of you might be looking for a magical go-through guide for renaming your company. Well, say no more. Below is an awesome checklist that will help you inaugurate your contemporary brand at a corporate get-together.
While you plan to rename your company, it is important to let know of the upcoming changes to the most valuable stakeholders of your firm. These stakeholders can be your valuable clients, business partners, service providers and anyone with whom you mutually benefit from your business. You need to make sure that these people know all the changes you will be making when you rename your company so that they can adapt well in advance to your rebranding strategy.
Once you inform all those who need to be informed, now is the time to take some serious action. Start by selecting a new brand new name for your company. You need to relax and sit with your most valuable and creative employees, family members and friends and brainstorm a list of new names which will generate an electrifying new enthusiasm into your company. After segregating half a dozen names for your company, you need to search for those company names for sale and check their availability.
Yeah, you read it right. Selecting a name for renaming your company is a different thing, and execution is a different thing. Post selection of a dream name for rebranding your company, you need to find suitable domain names and the best relevant social media handles to reach the digital era’s audience. Having a tandem of the relevant URL Domain name and an effective social media handle helps the company name thrive better in every aspect.
Once you have brainstormed a couple of company names and their domain names and social media handles, you need to be sure that they won’t come to your possession with trouble to pay with. Before setting up a trademark double-check with the US Patent Office and Trademark data for relevant or similar names.
Apart from checking with the US Patent office, perform a manual search. Search for the two or three names you listed for your future company and read every heading of the first 25 pages. This step is necessary to avoid unpleasant surprises in the future, which may cause turbulence.
The best way to get an opinion about your new-to-be company name is to create a free survey online and circulate it amongst your friends, family, relatives, clients, business associates and dealers. But do remember you need to be selectively permeable to criticism and choose wisely your next move based on the criticism that might come on your way.
Now that we are all over with what should you do while you rename your company, you might want a handy checklist which will help you rename your company. So here’s to your company’s rebranding. Go through the checklist below and shine.
Hello Rajasthanis, would you say you are investing your energy sitting inside? Don’t you need a break from your hustle-clamour life and appreciate some time with yourself/friends and family? Get yourself out of that office lounge chair, put your hands out of the web and travel. Moreover, in the event that you are settled in Jaisalmer and are arranging a pleasant bike visit, at that point you are at the correct spot. I’ve accumulated plenty of day outings and bike excursions to pack your ends of the week with, at Jaisalmer.
In my last couple of days, I’ve shared a couple of magnificent spots one must see in Jaisalmer. My expectation individuals of Jaisalmer additionally feel glad for those spots. Here I think of more chances to investigate around Jaisalmer. These are some of a kind spot which you can do on bike trips and on ends of the week. Along these lines, get your bike fix and stretch your scope to the Jaisalmer.
Picture of The Royal Bada Baag Chattris
History searchers, prepare yourself with pen and papers and concentrate the Cenotaphs of Bada Baag. Bada Baag can the goal where you can manufacture a library of considerations and invest quality energy under the Cenotaphs. These authentic Cenotaphs are situated at around 6 km in the north bearing to the Jaisalmer. Bada Baag is otherwise called the Big nursery of Chattris. The excellent structures are gone back to the sixteenth century and were built by Maharawal Jait Singh, Bhatti administration. Consequently, this spot is profoundly critical and falls under the classification of “absolute first spots to visit close Jaisalmer”.
Picture of Amar Sagar Jain Temple
Jaisalmer is best known for its religious Jain sanctuaries. As prior, we have seen a gathering of Jain sanctuary inside the brilliant stronghold. Additionally, there is another popular religious site devoted to Lord Parshwanath a ways off of 6 km from Jaisalmer in the south of Lodurva – Amar Sagar Jain sanctuary. This customary sanctuary is otherwise called Adeshwarnath Jain sanctuary. Amar Sagar Jain sanctuary was worked by Patwa Himmat Ram in 1928.
In addition, the Jain sanctuary is designed with brilliant sandstone and all of it is bent in serene examples. This makes the spot quiet and worth incorporating into our bike trip.
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Picture of Kuldhara Village
Ohho, outing to Kuldhara town, what a creepy trail it was for me. Kuldhara is another phantom town of Rajasthan (first is Bangarh) which can carry a rush to your excursion. Kuldhara is considered as an uncommon less-tourist goal of Jaisalmer. This town is around 15 km from the Jaisalmer city on the Sam desert street. in the event that you are wanting to visit Sam desert, at that point you should not miss this site.
What makes this town worth investigating is its legend related to the town. As indicated by the fantasy Paliwal Brahmins used to live there. However, because of some reason, they reviled the town and thus this compositionally excellent town was spooky. Discover the motivation behind why Paliwal Brahmins reviled the town through the connection. And off-course, you are not permitted to remain there after sunset.
Picture of Khaba Fort
Travelling another couple of kilometres from the Kuldhara town, there untruths another secretive post called Khaba Fort. The Khaba Fort is one more an amazing perfect work of art of Paliwal Brahmins. In any case, since the Brahmins left the town, they additionally betrayed this post totally throughout the night. Furthermore, like the Kuldhara town, this stronghold is additionally reviled by the Brahmins. In this way, this stronghold has a great deal to demonstrate to you thus you can meander there and uncover the secret behind the legend related. That is the reason the Khaba Fort is otherwise called “Forgotten Fort of Jaisalmer.”
When you start wondering around in the Khaba Fort, you can see a gallery demonstrating the remaining parts of the town and antiquated ancient rarities. This disintegrating stronghold can give you a sheer look at how the Paliwal Brahmins may have lived there. Also, how the fortress is currently totally deserted. Be that as it may, in this entire ghostly trail of Khaba post, you will observer several peacocks living around the fortification. Consequently, a beautiful bike to Khaba Fort can make your end of the week uncommon.
Picture of Sam Sand Dunes
An outing to Sam sand ridges is the principal motivation to visit the dry city Jaisalmer. Camel or jeep safari is the absolute first choice to do in Sam sand rises. There are a couple of different alternatives are likewise accessible to do in the hills like parasailing, quad biking and going to the social occasions during the night. Besides, these sand ridges are the primary alternative for picture takers too to catch the nightfall/dawn and star trails around evening time.
The Sam sandhills are 40 km from the Jaisalmer and your go there either by bike/vehicle or can take neighbourhood transport too. What’s more, it is very simple to discover a visit administrator to book a night camp in the sandhills. Be that as it may, on the off chance that you need to dive deep into the sand rises and go through 2-3 days in the desert, at that point get yourself a procession to see the common deserts.
Picture of Desert National Park
One of the most exciting pieces of your Jaisalmer excursion can be this Desert National Park. The national park is at around 50 km from Jaisalmer and is viewed as one of the biggest national stops in India. The most important thing is that the national park is the main national park built up in the desert. You can undoubtedly observe the vegetation that is known to be found in the desert as it were. Besides, many imperilled species are probably going to be found in the national park.
In this manner, the national park adjusts the biological system of the dry Thar desert. What’s all the more energizing about the national park is that you can encounter a great deal of transitory winged creatures among November and February. In these transient winged animals, the fundamental fascination incorporates the world’s heaviest flying fledgeling. Genuinely, this spot is a heaven for the nature darling and for the untamed life lover. Henceforth, think about visiting the national park in those months and go through a total day experience the untamed life. In my all journey as i’m a solo traveller i preferred to stay in the youth hostel because they are pocket-friendly and i also recommend you all to stay in the youth hostel.
So these are the “6 best bike day trips from Jaisalmer” which will make your end of the week noteworthy.
It doesn’t make a difference, regardless of whether you live in Jaisalmer or not. A gathering of brilliant escapes is consistently there for you consistently. So get off that apathetic sofa, get your bicycle/vehicle, assemble a few songs and excursion your one weekend from now to these extraordinary “best bike day trips from Jaisalmer”. I’ll meet you again there, soon, to bring all the more such uncommon intersections… and give you adrenaline passing on undertakings.
What did Einstein and Stephen Hawking have in common? Well, they both had 160 IQ level. An average human being can achieve maximum IQ till 100. For that too, you are considered super human. Imagine what 160 level can be!
We are all focused on focused on improving our health all the time. Hospitals are flooded with patients and the internet is flooded with DIY remedies. But the simplest way to improve overall health is by improving our brain. Not only does it improve our IQ level, but the basic functioning of our body, like motor control, reflexes, vision control and all the rest improves as well. For this, we do not need expensive meds, but one simple ingredient; Almonds.
Almonds or Badam as it is called in Farsi is a magic nut loaded with benefits. Almonds are called brain food with healthy levels of Vitamin E. Vitamin B, healthy fats and minerals like Calcium, Magnesium and Potassium. Almonds do not come cheap and can be a strain on your wallet, but you can easily visit any shop and ask for badam rogan for brain. It is an inexpensive form of oil unlike the expensive Badam nuts.
Before the French crop started topping the charts, there was the Caesar haircut. whereas no less fashionable than the longer crusader hairstyle, the Caesar cut is additionally appropriate for the sensible man. the highest is shorter and simple to vogue, whereas the high fade is the best of completion.
No matter however you decide it, the road up is one euphemism of a contemporary hairstyle. additionally named because the worker fade, advance or box fade, the road up creates a picture-perfect hairline. The sharp angles can distinction astonishingly well with the sleek fade on the edges and back.
There aren’t any limits once it involves the potential of your hairstyle. If you were born to be a rebel, associate degree painting mohawk is also simply what your high skin fade haircut wants. The well-groomed beard is additionally an ingratiating addition to the tense combine.
While not all guys are also up for a fully-shaved mohawk, several can appreciate the pretend hawk as another. It’s more or less as eccentric as its punk-inspired relation, however, it still packs a punch. Also, high fade pretend hawks tend to be easier to vogue.
Treat your look as if it were your personal playground. In the end, high fade boys haircut is versatile enough to spark a variety of artistic hairstyles. Deep waves, for instance, offer associate degree awful optical phenomenon whereas ingratiating any face form.
Alternatively, you’ll place your imagination to take a look at through colors. one among the foremost effective ways that to focus on a clean high fade is to vary the tone of the higher a part of your hair. whether or not you select a neutral color or a bright hue, we’re certain the results are jaw-dropping.
Some men like natural, nearly indistinguishable high fades. Others live for the placing result of a razor-sharp transition. If you represent the second class, look for your barber’s recommendation concerning the concept of obtaining a high bald fade.
The hairstyle is one among the retro trends that we have a tendency to were dying to possess back. Today, however, the Wedding hairstyle will go with any twist the bearer wishes. As associate degree example, a well-executed high fade haircut is sure to do associate degree hairstyle justice.
In this day and age, it sounds like man buns and high taper fade haircut for boys are nearly indivisible. though there are still many men World Health Organization rock full long locks in man buns, several younger guys are going for the light undercut. A beard also will increase the impact of the planning.
Flaunt those curls! High fade haircuts go implausibly well with rough-textured tiptop. you’ll type a kinky angular fringe silhouette or elect a brief and easy crop. Either way, we have a tendency to powerfully advocate that you simply create the foremost of your natural curls.
Make way, fellas – natty is that the new tense. Own your elegant vogue with the proper high fade haircut. no matter however long the highest is, ensure you utilize your styling product of option to get that polished attract.
Spiky hair is commonly related to the late 90s and early 2000s. yet, the trend is back, however with a contemporary upgrade. rather than going overboard with jagged boyband spikes, soften them into fewer blow-dried items.
You may realize it because of the South of France haircut for girls. as an alternative, you would possibly decide it the burst fade. In any case, we’re talking concerning the super cool mohawk-like haircut for rough-textured hair. Here, you’ll use the high fade as a cutting technique for the edges.
Just like spiked hair, bleached locks are all the trend once more. However, the most distinction is that almost all guys of late choose to bleach solely the highest a part of their hair. Therefore, a high fade is the ultimate bit you would like to become the final word showstopper.
If you ever run out of concepts for experimenting along with your hairstyle, perpetually keep bangs in mind. With a high fade, you’ll simply sport long or short bangs alike. Actually, a collection of tense bangs is certain to form your overall look even additional unforgettable.
We’re back once more with the dateless forelock, however currently with a fair cooler approach. For years currently, piecey haircuts are the icing on the cake for imposing hairstyles. If you opt on obtaining a high fade, a piece forelock is a wonderful plan for the highest.
Whether or not you have got a tough half, a comb over is ideal for guys with a powerful sense of favor. Provided your hair is around 2 to a few inches long, all you would like to try to do is comb it to the aspect to reveal your high fade. A drop of hairspray, wax or gel will facilitate secure it in situ.
Nothing says stately quite like associate degree conference haircut. It doesn’t matter if you’re young, old, or anyplace in between – it’ll cause you to stand out with category. To prime it all off, the high fade can bring out the masculinity in your entire look.
We have yet one more contemporary plan for all you teens out there. If your hair is, of course, straight, you’ll grow it out and find a high fade on all-time low [*fr1]. You’ll be able to sweep the highest half to any aspect (and look cool whereas doing it).
Male infertility occurs because of several reasons which incorporate low sperm production, blockage or irregularity in sperm functionality which prohibits sperm delivery. Injury, chronic disease & health problems, lifestyle choices and many other factors which may cause male infertility. Not being able to father a child is disappointing and stressful, however, you have treatment for male infertility available.
Every man who marries a woman aims to get his significant other pregnant at all cost and bear kids that talk, look, and walk simply like him or his better half. And with a couple of years put into the marriage and the couple still had no baby, the speculations as to whether there is something wrong more so who among them is infertile arise. some couples come up with unfounded justifications, for example, it could be an issue on positioning or timing, yet the fact remains that something must not be right.
It is a usual thing for women to have their fertility checked. From one perspective, men would refuse to accept that something could be wrong about their fertility level also. So how does undergo a male infertility treatment if he needs it? To deny the possibility of infertility for men simply like it is for women would just make things worse. It is therefore essential to surpass the stage of denial.
Once the male partner accepted the possibility of being infertile, it is important to figure out how this ought to be diagnosed. Male infertility is normally diagnosed through a straightforward test known as semen analysis. The laboratory regularly utilizes the man’s semen sample to determine the amount of sperm and figure out its shape and movement. The perfect way of conducting the test is to repeat it twice for it to yield more accurate outcomes. There must be an exact analysis of male infertility treatment to be regulated.
All these male infertility cases can be given solution either by treating the said issue or with the utilization of some male fertility treatments. However, when this isn’t the case, a couple confronting male infertility may turn to a sperm donor or adoption to help build their family.
Whatever options the couple may resort on ensuring productive family life, the most significant thing is for them to protect their relationship and for them to handle well the stresses in their personal lives. Infertility problem ought to be met with the right treatment, a male infertility treatment if necessary.
Treatments for male fertility can be based upon the underlying cause of the issue. When the issue isn’t recognized appropriately, evidence-based treatments which improve the fertility might be prescribed. There are treatments like surgery to fix or correct anatomic abnormalities or damage to reproductive organs. Another way is to apply medical procedures for conveying sperm to the female-partner, fertilization of the egg in the lab, and so on.
Issues related to male infertility like erectile dysfunction and hormone imbalances can be solved with the assistance of some medication. Surgery demonstrates to be valuable when there is a need to repair blockages in the tubes which transport sperm. It can likewise be implemented for varicocele repairing. If other treatments don’t restore fertility, assistive reproductive technologies (ART) like in-vitro fertilization (IVF) can be effective.
If you are looking for the treatment of Male Infertility then Sunflower Hospital is the best infertility hospital in Ahmedabad for infertility treatments & provide services like IUI, IVF, IVF-ICSI, and surrogacy at a very affordable cost.
Dental Services are something you need many time in life. This services include many kind of dental care. This time let me tell you much about the orthodontics in Melbourne.
These days dental problems become very much common which is due to the unhealthy eating habits, not following the right procedure for dental cleaning etc. To get all of these problems treated we prefer going to the orthodontics but do you know about what are the services that are offered by the orthodontics. If not, we will help you in having you an idea regarding that So, just have a look below:
Braces: For those persons, who are having the problem of misaligned teeth and having an irregular shape of the teeth for them, the procedure of the dental braces is done. Braces are also be used for fixing the gaps that are among the teeth. The treatment for dental braces is has been done from the early 18th century.
Metal wired dental braces: Metal braces are very much common and this is the traditional type of dental braces. As compared to the other dental braces this type of dental braces is very much effective. Some kind of elasticity is provided to the braces so that it becomes easy for the person to eat, and move his mouth while eating.
Ceramic Braces: If a person wants to have the invisible braces, then the choice of the ceramic braces is the best option for them. The ceramic braces make teeth to move easy and offer such a great comfort to the human teeth. Not every orthodontics can perform this process; only a reputed and the trustworthy Orthodontics Melbourne can do this. If we talk about the results of the ceramic braces then its results are far better and help in making teeth to be straight.
Damon Braces: Damon braces are the special type of dental braces. They do not provide elasticity to the teeth as this allows the wire to slide back and forth automatically to provide such a great comfort level to the person.
Invisalign: This is the high-tech method for getting teeth to get straight; this is customized designed braces as per the shape of the teeth of a person. Such kinds of braces are completely invisible which are comfortable and are having smooth touch. The major aim of the aligners is to change the position of the teeth as a person or an orthodontist want to have that. This whole treatment takes around 15 days to get completed and get the teeth to come into the right or the desired position.
Lingual Braces: The Lingual braces are quite common in adults and they are invisible braces which are used to give the right shape to the teeth from their back.
Retainers: After getting the whole treatment done, there may be need of having the small adjustments and all that adjustments are done by the procedure of the Lingual Braces.
If you have recently gone through the treatment of the orthodontics, then here are the precautions that you must be aware of:
Eating: After having the braces done, your orthodontist will recommend you to go only for the choice of liquids. If you will eat the hard food item, then it can harm your procedure of the orthodontics.
Brushing and Flossing: Having brush as well as floss regularly help in making teeth to look shining and make teeth to be away from the dental issues. For having healthy orthodontic treatment, a patient must brush their teeth on regular basis.
Having loose wires: This is very much common in case of the orthodontic treatment. Just visit the specialist person or the orthodontics for getting it done correctly.
Having sores: Having sores in the mouth are also common after having the treatment of the orthodontics, in case you will have this problem just have a glass of the cold water to get the relief from this problem. Having painkillers can also reduce this problem up to large extent.
Having loose teeth: Having loose teeth can also happen after having the treatment of the orthodontics. After having the fresh treatment your teeth can get loose which let the teeth to get the correct position inside the mouth.
Besides all these precautions, make sure that you must visit your orthodontist on a regular basis and get the best guidance from them in having the right and the desired oral health.
At last, now you are having the question in your mind how to choose the right Orthodontics, for that just have a look below:
Holistic Dental Melbourne CBD is the best option for those who are living in the area of Melbourne and nearby. They are having a special team who will handle all of your dental procedure with complete care. Their goal is to provide their customers the genuine as well as exceptional experience so, that the patients cannot be able to find out the better option.
Imagine that you are a prospective buyer and you’ve narrowed down the lists of a few desirable apartments in kochi, apartments in trivandrum and apartments in thrissur. Or that you have your eyes fixed upon a house for sale in kottayam or any of such houses for sale signboard in your most preferred locale – what will be your next move?
It will be to run a check on your finances and to obtain your credit report.
Now, you want to buy a house but lacks liquidity and is aiming for a home loan. For this, you should assess your ability to get a home loan, beforehand by checking your credit score and credit report.
Under the Credit Information Companies Regulation Act of Indian Government, there are four CIBs who maintain the records of all the people who have borrowed from the financial system- based on the details provided by the financial institutions. Data reported by the financial institutions are collated by the CIBs and made available in the form of a report and a score. This is known as a credit report and credit score, respectively.
A credit report is a record of all your financial activities. It holds information about the accounts you have at present or have had in the past, details on your credit cards, personal loans, student loans, mortgages etc. They also include details on late payments, bankruptcy filings, foreclosures, debt collections etc – if any.
A credit score is a three-digit number based on the information compiled within your credit report. The information on the credit report is made run through a computerized algorithm that converts it into a score. The higher the score, the better your chances are of getting a home loan.
If you’ve applied for a home loan, the lender will check your credit report to determine whether to sanction the loan or not. The credit report and credit scores determine your eligibility for the loan.
The higher your credit score, the better your chances are as lenders will see you as a low-risk investment or in much-simplified terms as someone who can pay their mortgage on time. This will get you low-interest rates and other costs on your loan.
On the other hand, if your credit score is low, the lenders see you as a risky investment. And by chance, if your application gets through, you will be charged a higher interest rate for the loan.
Your home loan can get rejected due to your bad credit score and history. A bad credit history/score may also come from the carelessness from the financial institutions, due to their failure in reporting your financial transactions or from the part of the CIBs in collating the data received. So, if you become ineligible for a home loan, due to bad credit history or low credit score, your plans to buy your dream home might hit a pause. In such cases, if you have already paid the token or an advance money for the home to the seller or the builder, chances are that you may end up losing the earnest money paid. Hence, it is advisable to obtain your credit report in advance, to ensure that there are no erroneous transactions reflecting in your profile. If there are any, you can take corrective measures to get it corrected, before the lender accesses your credit report. As per the RBI mandate, all the CIBs are required to provide the credit score and credit report, free of cost, once in a year.
If you want to apply for a home loan and your credit score is not where you want it to be, do not worry. There are ways to improve it over time. Lowering your credit card outstanding balance, paying off your debts and bills on time, starting a new account by maintaining a good standing etc can help you increase your credit scores. And once you are through, you can always get home loans at best interest rates from trusted financial sources. And when you do, make sure that you partner with the right builders to fulfil your dream. That’s why we suggest you associate with Kalyan Developers, best builders in kerala, so that you can have a peaceful living, after all.
Management degrees are the best way to secure a better career but there are actually several things that you must consider properly before selecting one before enrolling yourself. Placements, scholarship, faculty are one of the most important of them. So choose wisely and get a big leap in your career.
It has become really a tough job to decide on the right institutes for business management in our country because there are no universally accepted parameters to follow. With the growing number of institutes catering to the growing number of students in Management, the decision making process has become more difficult. With proper research, you can choose the right school for you.
There are around 3000 business management schools and with the mushroom growth of these institutes, it has become very much important to check the right school for your needs. Management courses are very costly and therefore certain parameters have to be followed for proper selection.
I will personally recommend you to join the institute which I chose for choosing the top management institutes in India. Sort out your queries by visiting itm.edu .
Whether you are a first-time buyer or you’re an experienced buyer, there is quite an extensive checklist that you need to consider before buying a house. With the uncertainty of Brexit or no-deal Brexit, the property market will certainly be affected. Other than that, buying a house is a long term investment which is why you need to consider multiple factors before taking on this huge endeavour. Here are the 5 things that you need to look for when you’re buying a house in 2019!
Are you upgrading your life by shifting from a smaller house to a bigger house? In that case, you need to make an upgrade that doesn’t double your living expenses. Are you buying this house because you plan to start a family? You need to ensure that you have enough bedrooms and bathrooms to easily accommodate you and your family 20 years later – unless you plan to shift houses, again. Are you buying this house because of a change in job location? Then, you need to buy a house that is close to your workplace otherwise you will spend hours of your day just commuting. Depending on why you are buying a new house, you need to start looking at potential houses accordingly. What you need to look for in the house is based on your basic requirements and reasons for buying this property in the first place.
Location, location, location – location is key. Is this house close to places of daily travel like your workplace, the kids’ school etc? Is the neighbourhood a good fit for you, for your family? Is the house close to any public transport? Is the house in a safe locality? What is the crime rate in that area? What are the housing taxes and other such taxes that are applicable in the area of your potential home? It is suggested that you spend at least two to three days in that area before actually buying the house – by doing so, all the questions above, as well as any doubts you might have, will probably be answered.
This is divided into two aspects. One, will you be able to pay the mortgage five years down the line without burning a hole in your pocket? Before you even settle on a property or consider giving the down-payment, you should seek long-term mortgage advice from an expert. They will be able to give you a clear picture of how much money you’re going to need – from the first month of the instalment till the last. They might also be able to give you some advice on mortgage planning and smart-saving. Two, will you be able to manage the upkeep and maintenance required without feeling like you’re spending too much money? Say, you fall in love with a beautiful 5 bedroom house in the suburbs. That means a big fat electricity bill, regular cleaning and maintenance, high costs of renovation – after all, the bigger the house, the bigger the expenses. Plus the cost of travelling from your house to the city, daily. Will you be able to afford this house 10 years from now?
Do you work 12 hours a day? Do you have the time to come home from work and clean your home? If not, it is better that you buy an apartment or a condo with minimal maintenance. Do you have kids? Do you want your kids to grow up in the suburbs or the city? Where are the kid’s schools? You need to decide what kind of house to buy based on that. Would you rather have a big house with a garden and patio that is away from the hustle-bustle of the city, or would you rather live in a smaller place that is closer to the city? These decisions will be affected by your lifestyle.
If you’re buying a house that you plan to live in till the end of your days, then this shouldn’t be a consideration. But, no one can predict the future and you never know where life might take you. What if you need to sell this house 10 years down the line? Will you get as much as you paid for, and more, or will you be forced to sell this house at a loss. What is the resale value of this property? What are the other houses in that area priced at? Has there been a noticeable rise or decline in prices? Will you get this house for a cheaper price if you buy it a year later? These are factors that you need to consider, especially since the property market is unstable in 2019.
When you need money, you can depend on the credit card to bail you out. A credit card in your pocket gives you a wonderful sense of security. You can rely on it every time. You have facilities like using the card for offline and online purchases. You can also use the Cash Advance facility to withdraw cash from ATMs. Some of them come free of cost whereas some like the Cash Advance facility comes at a substantial cost. There are various methods in which you can avoid these costs. One such way to use money in your credit card is when you do a credit card to bank account transfer.
An emergency can come to any person at any time. You might not have enough money in your savings account. Your home loan instalment might be due. Of course, no one likes to default on his/her payments. Having a credit card can help under such circumstances. You can request your bank to provide you with a demand draft as a Cash Advance. Deposit this draft in your bank account to ensure the clearance of the home loan instalment. You can opt to withdraw money from an ATM and use it to repay your home loan instalment.
When you use the Cash Advance facility, you have to pay interest on the same @ APR from the time you withdraw to the day to repay the amount to the bank. It is like a high-interest personal loan. However, you can save on the interest component by transferring the amount from your credit card to your bank account using different e-wallet apps. Banks consider such transactions as regular transactions and do not charge interest on the same as they do so with Cash Advance transactions. In this way, you withdraw money and save on the interest as well.
Besides interest, banks charge Cash Advance fee that can be up to 2.5 to 3% with a minimum of Rs 500 on every occasion you utilise the facility. Thus, if you were to withdraw a small amount, say Rs 2,000, you will incur a cash advance fee of Rs 500. Apart from the cash advance fee, you have to repay the loan with interest @ APR. Hence, you end up paying Rs 2560 at the end of the month. It amounts to repaying more than 25% of the borrowed amount in one month. Please transfer the amount to your bank account using the various e-wallet apps available on the internet. You end up saving a substantial amount.
The Cash Advance facility is a typical one. You get money, but you pay a substantial cost for it. Every such withdrawal attracts a cash advance fee. Secondly, you pay interest on the cash advance for the period it remains outstanding in the books. Thirdly, you have to clear the amount with the next bill because banks add this amount to the minimum amount due while preparing the credit card statement. You can save all the trouble if you transfer the required amount from your credit card to your bank account online. You continue to enjoy the interest-free period on the amount you have moved to your bank account. It also helps if you decide to pay the minimum due amount. You need not repay the entire transferred amount, as you would have done in the case of a Cash Advance.
You might find yourself in an area that does not accept credit cards. The balance in the credit card account can come handy under such circumstances, as you can transfer it to your savings bank account and withdraw cash from the ATM using your debit card. Sometimes, you find retailers preferring to receive money in their e-wallets instead of swiping your credit cards. The reason is that banks charge a commission at a pre-decided rate when they enter into a merchant establishment agreement with the retailer. The retailer cannot pass on the commission to the customer. Hence, they suffer a loss. Accepting payments through e-wallets does not entail paying as much commission as they would pay for accepting credit cards. Secondly, they can recycle the funds available in their e-wallets with their suppliers without incurring any charges. Under such circumstances, they might refuse to accept your credit cards. Transferring the amount to your e-wallets or bank account can be handy.
We have seen five advantages of transferring money from credit card to your bank account. However, one should remember not to use such methods frequently. One of the prime reasons is that the IT authorities keep track of all credit card accounts where the annual spending is more than Rs two lakhs. In trying to save some amount of interest, it is not advisable to come under the scanner of the IT authorities.