Insurance is a risk management technique; that helps to reduce the risks of financial burden, in case of any mishappening. Insurance is also known as a risk transfer technique, in which you shift your economical losses to your insurance company by paying a fee called a premium. Insurance protects an individual against financial hardships due to unexpected events like; theft, illness, physical injury, damage to property etc. Actually, life insurance is a legal agreement between you and your insurance company; in which you have to pay premiums and in returns, your insurance company pays you a certain amount of money in the event of loss you insured. The amount of money that your insurer pays you or your nominee (on maturity or event of loss) depends upon the amount of protection you have purchased. Your family may face financial problems upon your death; but if you have purchased a life insurance policy then it might help your family to bear the immense loss. If you have dependents then you must have a life insurance policy.Continue Reading
If we make a list of inventions that have made our life easier; then there’s no doubt that credits cards will come in top 10 such inventions. Credit cards have changed the way of carrying cash, making payments. We can use credit cards for e-shopping, cash withdraw, and for making online bill payments. Credit cards offer cashless payment methods; which eliminates the problem of carrying cash and also it reduces the risk of any individual getting loot. At the top, credits cards are universally accepted; that resolve the problem of carrying different currencies while traveling to different countries. An individual can track his/her monthly expenditure, and also can build a good credit history with the help of credit cards. Usually, Debit cards transactions cannot help you to build credit history; because no one keeps record of transactions made by debit cards. As everything has its pros and cons; therefore, credit cards have some advantages and disadvantages. In this article, we will be discussing on the benefits of credit cards; and we have covered disadvantages of credit cards in a separate article. Here are some benefits of having a credit card:Continue Reading
Having an expensive gadget keeps someone in an unnecessary phobia of losing his/her precious electronic gadget. Usually, with new electronic gadgets, customers get one-year free warranty for manufacturing defects and software related issues. But, such warranties do not cover liquid/accidental damages so to insure an electronic gadget against theft, burglary, liquid/accidental damage people prefer to buy a separate gadget insurance policy. A majority of people buy gadget insurance without knowing the actual terms and conditions. In such scenarios, people waste their money on buying worthless insurance policies, which would have very sophisticated claiming procedures and would have very huge depreciations. It is indeed a smart decision to insure a gadget(usually for expensive gadgets) but if you buy an insurance policy without knowing the various types of deductions such as; claim fees, depreciation for repair or full claims, service charges etc then it could alter your decision.Continue Reading
Mobile insurance industry is growing rapidly around the globe because of increase in demand of mobile insurance. People spend large sums of money on buying expensive gadgets and they do not hesitate to spend few more bucks to secure their precious gadgets against theft or damage. Over the past few years, many insurance companies started insuring electronic gadgets. You can insure any of your gadget like laptop, mobile phone, watch, tablet, notebook, LED TV etc.
Owning a car is now becomes easy because many banks have been offering car loan facilities in India. If you have been dreaming to buy a car for a long time, but insufficient funds are hindering you to make your dreams come true, then don’t bother, ICICI bank can help you to own your favorite car that you have always dreamed. In this post, I will be discussing on car loan features of ICICI bank.Continue Reading
Usually, before issuing a credit card an authority (Bank) sees your annual income, bank history, monthly income source, age, profession ( salaried or non-salaried) etc. Banks also use your CIBIL report to decide whether to issue you a credit card or not. If you do not have a regular income source or your income is less than 2 lacs per annum then your chances of getting a credit card is almost zero percent. A lender does not want to get in trouble after issuing a credit card to someone who does not have the capability to pay his dues. That’s why, banks reject many applications of credit card. During the past decade, the demand of credit cards has been increased dramatically. The very first reason is, increase in online shopping and online services. (See: 8 undeniable reasons to have a credit card)Continue Reading
Nowadays, many private and government owned banks are giving loan against gold. Customers may use their gold ornaments or gold coins to take loan from a bank. If someone is in financial need then he/she can use his/her gold to get insist loan. Usually, Gold loan takes less time than personal loan approval and it requires less documentation. Although, it is rather easy to get loan against gold from a jeweller but they charge huge interest rates and they would not give more than 55 percent of the gold value as loan. On the flip side, banks offer more loan amount on your gold with reasonable interest rates. It is always advisable to compare interest rates of all banks before getting loan against gold. While comparing interest rates don’t forget to check other charges like; processing fees, prepayment fees, documentation charges, renewal charges etc.Continue Reading
Union bank of India has been providing wide range of overwhelming services to its customers since it has established. Recently, it has introduced missed call service for its customers through which customers can instantly check their account balance by giving a missed call on a designated number click here to know more about missed call service of Union Bank of India. Furthermore, it offers a large range of personal banking services to make banking easier for its customers. Union bank of India is one of the Indian banks those are emphasizing on digital banking services. Due to globalization competition has been increased among banks therefore customers are getting huge benefits from their banks.Continue Reading
Google Plus is becoming a very fascinating place for businesses, brands and artists. Many smart businessmen have been using these precious tools to expand their business. A businessman can use the power of social media to stay connected with his customers. To connect with customers you should have a business page on Google plus. It can also expand your business around the globe just like others. Whether you are a local businessman or an artiest social networking sites can make you famous. With a local business page, you can make your online presence your business information will be shown on Google search results and you can show your business location on Google maps. Google plus pages are similar to Facebook pages therefore it is not a sophisticated process you can readily create a business page on G+.Continue Reading
In my last post, I have shown you how to resize a photo with MS Picture Manager. Resizing photo with MS Picture Manager is somewhat tricky, therefore, in this tutorial I will show you a simple way to resize a photo using MS Paint. Usually, to fill out an online examination form, you need scanned copies of your photo and sign. Your photo and sign should be in prescribed dimensions for example; 150px-250px, 20kb-50kb etc. Therefore, before applying online you should have required size of your photo and sign.Continue Reading
It is very important to find out optimum positions for your ads to maximize your Adsense earning. You can get highest CTR (Click Through Rate) with proper ad placements. In my recent post, I have shown how to place Google Adsense ads below blogger header. That is a most preferred ad placement. Another position that can generate highest clicks is between posts and comments. Often, visitors like to read comments after reading a post so it would be an opportunity for you to place your ads between your blog posts and comments to enhance your earning. Most preferred ad sizes for this position are 300*250, 336*280, 468*60, moreover, you can also use link ads here.Continue Reading
In my recent post, I have written how to find a lost/stolen phone with Samsung tracking feature click here to read that post. In today’s post, we will talk about synchronization. Synchronization feature in your phone allows you to synchronize pictures, contacts, calendar, app data from outside sources like; Picasa album, Facebook albums etc. You can retrieve you data anytime if synchronization is enabled in your phone. However, if you do not want to synchronize your data with some apps then you can disable synchronization. If Picasa or Facebook albums are showing up in your phone gallery, it means you have enabled synchronization for Picasa or Facebook. To remove such albums from your device firstly you have to disable synchronization for Picasa or Facebook, thereafter, you can remove these albums from you device. So let’s get to the point to remove Picasa or Facebook albums from your phone follow instructions given below:Continue Reading
There is no doubt that smartphones become a part of our life. We cannot survive without these incredible gadgets. Smartphones have a wide range of functions like; games, apps, widgets. Sometimes these become a headache when we face some unrecognized problems in our smart phones such as call log problem because of that phone does not show recent callers detail. In this post, you will be guided to solve this problem. Here, we have listed some solutions to enable your call log. You are advised to follow these solutions one by one.Continue Reading
Having an email address is very much essential in today’s world. Email (Electronic Mail) is way of communication through internet. It is used to exchange information through internet like; digital messages, documents, photos and important data. Furthermore, many applications and mobile phones required an email address. Currently, there are many email service provider available on internet, from whom, you can get a free as well as a paid email account. In this post, we will show you both methods (Free and Paid) to create an email address. Firstly, you should know that difference between Free and Paid email account:Continue Reading
Displaying ads on mobile version of blogger may boost up your Adsense earning. If you take a deep look into your stats then you can see that 20-40 percent of your audience comes from mobile devices. If you are not monetizing ads on mobile version of blogger then probably you are losing 20-30 percent of page impressions and clicks. Therefore, it is very important to consider mobile audience to enhance your earning. Google Adsense also made it compulsory to make your website/blog mobile friendly. It is crystal clear that every blogger wants to increase his/her blog traffic as well as revenue. To increase blog traffic you should follow SEO tricks like; keyword research and to increase your blog revenue you should optimize your Adsense ads.