Medical policy: How to pick the Perfect Health Plan; 5 Amazing Points to know



December 2017

Image Source:

On retirement, your medical insurance cover given by your employer will also cease to exist. When you retire, you must also ensure that you have a health insurance policy that would last for a long time. Here are a few important things that one must take into account before deciding on a health plan.

Pre-existing disease

Insurers presume that if someone is buying a health plan at an advanced age, he could be harbouring some ailments So, to cover their risk, they put in the pre-existing disease clause in a policy, which is generally a three to four year waiting period. It is better to look for a policy which offers shorter waiting period, even if you have to pay a little extra premium.


Co-payment, sometimes also referred to as partial payment, is the amount that needs to be paid by the insured patient for hospitalisation, while rest of the claim amount is paid by the insurer. In most senior citizens’ health insurance plans, co-payment is mandatory. However, some insurers have fixed co-pay, while some insurers offer a range and you can choose how much co-payment you want to take, which could be 10-20% or even more. It is better to buy a plan which does not ask for co-payment.

Room rent limits

Some health plans have a room rent cap and that’s not a good thing. Having a room rent limit in your policy means that if you are hospitalised, and your daily room rent goes beyond the limit mentioned in your policy, the insurer will charge the percentage of increase in the room rent on the full claim amount. For example, if your room rent limit is Rs 4000 per day and you take a room of Rs 5000 per day for two days, then the increase in room charges would be 20%. Suppose your total hospitalisation bill comes to Rs 50,000, then the insurer will impose the deductible of 20% on the total bill, and you will have to pay Rs 10,000 extra, instead of Rs 1000 per day for the additional room rent which adds up to only Rs 2000. So, it is always advisable to have no limit on room rent in the plan you decide to buy.

Restoration benefits

Every health plan has a sum insured limit which you are required to decide, on the basis of your health condition, at the time of buying a health plan. This sum insured is your yearly claim limit and any treatment charges beyond this amount will have to be paid by you. But if you have taken a plan with a restoration benefit feature, the insurer will restore the sum insured amount after exhaustion of the original amount if you fall sick again during the same year. However, you must know that the restoration benefit will be available only if you get treatment for a different ailment within the year, and not for the same disease which you were treated for, earlier in the year. For instance, you have a policy of Rs 5 lakh sum insured, you fall sick and Rs 2 lakh gets used for the treatment and if within the same year you acquire another disease, then your insurer will restore the sum insured to Rs 5 lakh.

Hospital network

Your health policy documents include a list of hospitals with their coordinates. You must read the list carefully to know how many and what kind of hospitals from your area are included in the list. In case of hospitalisation in a non-network hospital, you will not get cashless treatment, and will have to pay the total hospital bill from your pocket and then get reimbursed.


to know more visit –
call : 8291344001
email :

10 Common Fashion Terms and their Meaning


December 2017

Image Source:

If fashion jargon is something you don’t really understand, start here by learning these common words and terms that will up your game the next time you catch up with your fashionista friends.


The term fashion label refers to upcoming designers who make ready-to-wear outfits in limited numbers. These outfits are high on style and are often expensive than regular store garments but lesser than established designer wear. The difference between a label and a brand is that the latter has been in business for longer and is already a known name.


A French word, ensemble has been oft-used by fashion designers and you surely must have heard or read it quite often. In fashion terms, ensemble is usually referred to an outfit complete with accessories, jewellery etc. The whole look is called an ensemble.


In fashion, a silhouette is essentially the basic shape or outline of an outfit. Some common silhouettes include A-line, straight, flared, asymmetrical, etc. Wearing the right silhouette according to your body type can work wonders for your frame.


There are designer and custom-made clothes, and then there are off-the-rack outfits that refer to clothing that is made in a large number and is readily available in stores. Off-the-rack also means readymade garments that made in standard sizes.


Also referred to as the hem of an outfit, the hemline refers to the lower edge of a garment. It is termed long or short depending on its distance from the floor. A dress with a short hemline will expose your legs more while one with a floor-length hemline will barely show your feet.

In vogue

When something is said to be in vogue, it is means it is currently in trend or in style. If you keep up with fashion trends, you are likely to know what’s in vogue for a particular season.


There are styles that are not currently in trend but are so good that will become fashionable pretty soon. Fashion-forward also refers to people who have their fashion game right and know what will become a trend in the near future.


In fashion terms, monochrome refers to an outfit or look that is only black and white in colour. It can be paired with accessories as well of the same tone.


This style became quite a rage in the last few years. It refers to a top or dress that has an outward flared or ruffled section around the waistline while the rest of it remains fitted.


to know more visit –

call : 8291344001

email :

20 MBA Entrance Exams you can take in 2017-2018


December 2017

Image Source:

Common Admission Test (CAT) is the first thing that comes to our mind when we think of MBA entrance exams. Most B-Schools in India accept CAT scores for admission.

XAT, MAT and CMAT are next on the list. Then comes SNAP, NMAT, GMAT and so on.

Overall, most candidates end up taking about two to three exams in an academic season.

CAT-XAT-CMAT rules the roost among all, because the best colleges of the country such as IIMs, MDI, FMS, IMT, XLRI, SP Jain accept these scores.

But the stunning fact is India has more than 50 MBA entrance tests. Some tests are held at a national level, some at the regional level and some at institute level. Most of these exams are attempted by a small fraction of MBA aspirants.

Yet, each candidate should be aware of the choices and options available to them, early on during MBA preparation season.

Keeping the above in mind, has listed 20 MBA entrance examinations that you can choose to attempt this year. Here goes the list:

1. Common Admission Test (CAT)

The biggest and most popular entrance examination of India, CAT is conducted by the Indian Institutes of Management (IIM). CAT scores are used for admission by 20 IIMs and various other management institutes across the country. More than two lakh students appear for the exam each year.

The exam started in 1950 and graduated to being an online-entrance test in 2009. Candidates need to attempt 100 questions in 180 minutes. Registration for CAT begins in August-September and the exam is held in November-December. In 2017, CAT was held on November 26.

CAT exam primarily consists of four segments: Verbal, Quantitative, Data Interpretation and Logical Reasoning. These segments are accordingly grouped into sections. CAT has three sections:

  • Quantitative Aptitude (QA)
  • Data Interpretation & Logical Reasoning (DILR)
  • Verbal and Reading Comprehension (VRC)

2. Common Management Admission Test (CMAT)

The second largest management entrance examination of the country, CMAT is taken by roughly 1.5 lakh candidates. Conducted by All India Council of Technical Education (AICTE), CMAT is a relatively new addition to the list of MBA exams. The first CMAT exam took place in 2012. However, it has fast become one of the most popular exams of the country. The exam is accepted by more than 500 MBA institutes across the country.

The CMAT exam is held in January every year.

CMAT is a computer-based exam (held for 180 minutes) and tests the candidate’s aptitude in four main sections:

  • Quantitative technique
  • Logical reasoning
  • Language comprehension
  • General Awareness

3. Xavier Aptitude Test (XAT)

Another top management entrance, XAT is a computer based management aptitude test. Conducted by Xavier Labour Relations Institute (XLRI) Jamshedpur, XAT is taken by approximately one lakh candidates annually.

Traditionally, XAT is held on the first Sunday of the year (January). XAT scores are accepted by more than 100 management institutes.

XAT tests the candidate on four fronts:

  • Quantitative Ability
  • English Language & Logical Reasoning
  • Decision Making
  • GK & Essay

However, essay section is used only after candidates have been shortlisted for XLRI courses. Test duration is 170 minutes.

4. Symbiosis National Aptitude (SNAP)

Conducted by Symbiosis International University, SNAP is also a national-level management entrance examination. SNAP scores are primarily used for admission to 15 institutes under Symbiosis International University. However, many other MBA colleges use SNAP scores for admission.

SNAP is held in December and the registrations go on till November.

SNAP test is a computer-based exam and held for two hours. It tests a candidates:

  • General English
  • Quantitative, Data Interpretation & Data Sufficiency
  • General Awareness: General Knowledge, Current Affairs, Business Scenario
  • Analytical & Logical Reasoning


NMIMS Management Aptitude Test (NMAT) is also one of the important MBA entrance exams. It has recently been acquired by GMAC and was rebranded as NMAT by GMAC. Scores for this exam will be used for admission to Narsee Monjee Institute of Management Studies (NMIMS), Alliance University, SRM University, BML Munjal University, VIT University, ICFAI Business School (IBS) and Ansal University.

The computer-based exam is held over a 75-day testing window, between October and December. Candidates need to attempt 120 MCQs in 120 minutes.

NMAT has various candidate-friendly options. For instance, candidates can appear for the exam a total of three times and the best of three scores will be used for admission.

The exam has three main sections:

  • Language Skills
  • Quantitative Skills
  • Logical Reasoning

6. Management Aptitude Test (MAT)

MAT is also one of the most popular MBA entrance exam. More than 600 institutes accept MAT scores for admission to management programmes. Conducted by exam is conducted by All India Management Association (AIMA), MAT is held four times a year – February, May, September and December. The exam is held in both online (computer-based) and offline (written) mode.

Held for 150 minutes, the test has 200 questions. The aspirant is tested in the following five areas:

  • Indian and Global Environment
  • Language Comprehension
  • Data Analysis and Sufficiency
  • Mathematical Skills
  • Intelligence and Critical Reasoning

7. Indian Institute of Foreign Trade (IIFT) Exam

IIFT entrance test is an institute specific entrance test. The exam is held for admission to the Indian Institute of Foreign Trade (IIFT). It is held in pen and paper mode.

IIFT test is conducted in November for two hours and consists of 200 multiple choice questions. It tests a candidate’s aptitude in the following areas:

  • English Comprehension
  • General Knowledge & Awareness
  • Logical Reasoning
  • Quantitative Analysis

8. AIMS Test for Management Admissions (ATMA)

ATMA is also a national-level management entrance test. It is conducted in online as well as offline mode and held four times a year-February, May, July and August.

ATMA scores are used for admission in by several management programmes. Held for three hours, ATMA tests a candidate on the following areas:

  • Analytical Reasoning Skills Part 1
  • Analytical Reasoning Skills Part 2
  • Quantitative Skills Part 1
  • Quantitative Skills Part 2
  • Verbal Skills Part 1
  • Verbal Skills Part 2

9. ICFAI Business School Aptitude Test (IBSAT)

IBSAT is an institute level entrance test. The exam is conducted by ICFAI Foundation for Higher Education. IBSAT test scores are used for admission to MBA and PhD programs at nine ICFAI Business School (IBS) campuses – Hyderabad, Ahmedabad, Bangalore, Dehradun, Gurgaon, Jaipur, Kolkata, Mumbai and Pune.

IBSAT is held over a period of 15 days wherein the candidate can book a slot as per convenience.

The computer-based test (CBT) tests the applicant’s ability in the following:

  • Verbal Ability
  • Reading Comprehension
  • Quantitative Aptitude
  • Data Adequacy & Data Interpretation


MICAT is the online entrance test for MICA’s flagship two-year Post Graduate Diploma in Management – Communications (PGDM-C).

Candidates first need to apply with CAT, XAT and GMAT (2012 onwards). All applicants will be called for MICAT entrance test which is held in December.

Held over 125 minutes, MICAT has two sections:

  • Section 1 assesses the candidates’ analytical skills, logical skills, verbal skills, divergent thinking, written communication skills and general awareness.
  • Section 2 consists of a Psychometric Test.

11. Maharashtra Common Entrance Test (MAH-CET)

MAH-CET is a state-level management entrance exam. The exam is conducted by the Directorate of Technical Education, Maharashtra, for admission to various management courses such as MMS, PGDBM and PGDM in various institutes in the state of Maharashtra.

MAH CET is generally held in the month of March. Candidates need to attempt 200 questions in 150 minutes.

The exam two sections:

  • Verbal Ability and Reading Comprehension
  • Quantitative Aptitude and Logical / Abstract Reasoning.

12. Institute of Rural Management Anand (IRMA) Admission test

IRMA Admission test is an institute-level entrance examination. It is conducted for admission to Post Graduate Diploma in Rural Management (PRM) and Fellow Programme in Rural Management (FPRM) at Institute of Rural Management, Anand. The exam is held in the month of January.

IRMA uses CAT scores for shortlisting candidates in the first round. Shortlisted candidates are then called for IRMA written test on the subject of “Issues of Social Concern”.

Candidates need to answer 40 questions in 80 minutes.

13. KIITEE Management Test (KIITEE MBA)

KIITEE is also a national-level computer-based MBA entrance test. The exam is conducted by KIIT University in January every year. The exam scores are primarily used for admission for two programmes:

  • MBA at KIIT School of Management (offered at KIIT University)
  • MBA (Rural Management) (KIIT School of Rural Management)

Candidates need to answer 150 questions in 150 minutes. There are four sections in the exam:

  • Quantitative Aptitude
  • Analytical Reasoning
  • English
  • General Knowledge
  • Issue of Social concern

14. Odisha Joint Entrance Examination (OJEE) MBA

OJEE is a state-level MBA entrance test conducted by the Government of Orissa. The test scores are used for admission to various MBA courses in Odisha. The exam is conducted in the month of April-May.

OJEE is a written test where candidates need to attempt 120 questions in 120 minutes. The exam has four sections to be attempted in two hours:

  • Verbal reasoning
  • Analytical reasoning
  • General Knowledge
  • Comprehension
  • Computer and Business fundamentals

15. Karnataka Management Aptitude Test (KMAT)

KMAT is also a state-level entrance examination for admission to post graduate level programmes offered by MBA colleges and B-schools in the state of Karnataka. The exam is held thrice in the months of May, July and September. Registration schedule is announed in April.

Conducted by Karnataka Private Post Graduate Colleges Association (KPPGCA), KMAT scores are used for admission by more than 169 colleges across the state.

Candidates need to attempt 120 questions in 120 minutes. The test consists of the following sections:

  • Language Comprehension
  • Mathematical Skills
  • Basic Aptitude

16. Andhra Pradesh – Integrated Common Entrance Test (APICET)

APICET is a state-level MBA entrance examination conducted for admission to various B-schools and MBA colleges in the state of Andhra Pradesh. The exam is generally held in the month of May. In 2016, the exam was conducted by Andhra University, Visakhapatnam, on behalf of Andhra Pradesh State Council of Higher Education (APSCHE).

APICET is a paper-based entrance test. Candidates need to attempt 200 questions in 150 minutes.

The exam consist of three sections:

  • Mathematical Ability
  • Analytical Ability
  • Communication

17. Telangana State Integrated Common Entrance Test (TSICET)

TSICET is a state-level written MBA entrance test. It was held for the first time in May 2015. The test scores are used for admission to various MBA courses in the state of Telangana. In 2016, the test was conducted by Kakatiya University, Warangal, on behalf of Telangana State Council of Higher Education, Hyderabad.

No of sections in the exam:

  • Analytical Ability
  • Mathematical Ability
  • Communication Ability

18. Tamil Nadu Common Entrance Test (TANCET)

TANCET is a state-level written entrance examination conducted for admission to MBA courses in the state of Tamil Nadu. The exam was conducted by Anna University, Chennai, on behalf of the Government of Tamil Nadu.

The exam, held in May, is for two hours (100 questions) and tests the candidates ability in:

  • Analysis of Business Situations
  • Reading Comprehension
  • Quantitative Ability
  • Data Sufficiency
  • English Usage

19. Tata Institute of Social Sciences National Entrance Test (TISSNET)

TISSNET is an institute-level exam conducted by Tata Institute of Social Sciences for all Masters programmes offered in TISS-Mumbai, Tuljapur, Hyderabad, Guwahati, IMHST Chennai, MHAT Calicut and G-SET Ranchi.

A computer-based exam, TISSNET asks questions related to Social Sensitivity, Logical Reasoning, Analytical Ability and Knowledge on Contemporary issues. The exam is held for 100 minutes (1 hour & 40 minutes)

20. HP University Management Aptitude Test (HPU-MAT)

HPU MAT is an institute-level entrance examination conducted for admission to Himachal Pradesh University Business School and and HPU Regional Center, Dharamshala. The last exam was held in May 2015. The entrance test has four sections:

  • English Comprehension
  • Reasoning
  • Business Environment
  • Arithmetic Comprehension & Data Interpretation


to know more visit –

call : 8291344001

email :

Financial Planning in your 30’s : Here’s How to Do it


December 2017

Image Source:

Are you financially ready to take on your 30s? The 30s come with a mixed bag of good and bad. This is the phase in life when financial responsibilities expand. But this is also the time when your career and finances are more settled and poised to take off. Prime your personal finances so that you are ready to take advantage of this phase of your life. Here are a few ways to do so.

Make a budget

Cultivate the discipline to live within your budget. As you enter the 30s, there is likely to be greater certainty and growth in your income. But the monetary responsibilities are also likely to expand, putting a strain on your income. Being able to control expenditure is a good skill to have so that you can save and invest for your goals. But this discipline takes time to develop and internalize. Use the time in your 20s, once you have worked out the reckless spending that comes with first earning your own income, to learn to make a budget and live by it. Track your expenses over a few months so that you know where your money is going. Do a realistic categorization between essential and discretionary expenses, apart from payment of taxes, repayment of loans and some savings. Trim your expenses to fit the available income. Test run the budget over a few months and tune it according to your experiences.

Once you have a viable budget, build the discipline to stick with it. This habit will help you deal with the stress of expenses when the financial responsibilities go up in your 30s, and even later.

Ring fence your Finances

An unexpected loss or drop in income, an unforeseen medical or other emergency, or worse still, loss of life can derail the ability of a family to meet its current and future expenses. An emergency fund and appropriate insurance products can help you safeguard your financial interests efficiently at a time in your life when you have dependents and additional monetary obligations. An emergency fund should be the first financial commitment when you start earning an income. Build an emergency fund that reflects your expenses and risks to your income. Maintain the fund by periodically adjusting it to reflect expected changes, and refill it on priority basis anytime you use it.

Use insurance to protect your income from the risk of loss of life or from unexpected large expenses. For life insurance, choose a term plan that gives you the cover you need at a lower cost. You will also need health insurance to protect the family, even if there is employer-sponsored health cover.

Erase credit indiscretions

Your credit score and credit history are likely to reflect the mistakes made in managing debt early in your career. But you have time on your side to rectify the errors and rebuild your credit score in preparation for the more responsible 30s. This is the time when you may be considering large loans such as home mortgages. A poor credit score will affect the terms on which you will be able to borrow and this has a long term negative impact on your finances. The steps you need to take to rectify your score include accessing your credit report from the credit bureaus and checking them for errors. Write an application for correction immediately if you spot any errors. Once you know your credit score, and if it is low, work towards building. Work on paying off loans and don’t add to debt. Try to reduce the percentage of credit used against your available credit. If you have stayed away from debt altogether, then that too may work against you. Build a responsible credit behaviour pattern by using credit with discipline and meeting obligations on time. Rebuilding credit and building credit history is not something that you can do quickly.

Spring clean debt

Initial incomes can also be a time of indiscreet borrowing. Most of the debt is likely to be high-cost consumer and credit card debt. Clean up debt outstanding as you approach your 30s. First, the concentration of unsecured debt and credit card debt will harm your credit score. Second, if you don’t close these debts, they will affect your ability to make more serious financial commitments such as a home loan, when you need it. It will also restrict your ability to source loans in an emergency. Try to keep your debt slate clean because in your 30s, your needs may expand much faster than your income and you don’t want your ability to borrow tied up in old debt.

Start saving for retirement

You should start investing for retirement right from the beginning of your career, so that your retirement corpus benefits from compounding even if the multiple claims on your income in the 30s prevent you from adding significantly to your retirement contributions beyond the mandatory savings. Make contributions to the regulatory retirement savings offered by employers, which may have contributions from the employer as well as tax benefits. Expand to other retirement products that allow you to take more risks for better returns, given the longer period available to the corpus.

Change course and upskill

You are the most important asset in your life and you need to maintain your earning capacity in top gear. Use the initial working years to know if you like what you are doing or want to change course. Either way, use the late 20s to skill yourself. Change course if you need to, or up-skill yourself, so that your earning ability goes up in the 30s.

Focus on your investment portfolio

As income stabilizes in the 30s and an emergency fund is built to take care of any risks to income, the investment portfolio and asset allocation should reflect the investment horizon of the goals and the need for liquidity, income and growth. There may be medium-term goals such as saving for down-payment on a house and long-term goals like children’s education and your own retirement. Rebalance the portfolio to reflect changes in circumstances and goals. Set in place facilities to make automatic investments so that the expanding expenses in the 30s don’t forestall the investments that you should be making.

Set the stage for making the most of your 30s. It may seem like a lot to do but you just have to be mindful of money matters and the rest will fall in place.


to know more visit –

call : 8291344001

email :


It’s official; This is the Most Photogenic Winter City in the World!


December 2017

Image Source:

Want to escape with your partner to a quiet seaside getaway with magical sunsets? HolidayIQ reviewers know exactly where you should be heading to.

The study ranking the most Instagrammed winter locations was carried out by Focus Clinic, a laser eye surgery clinic which researched the frequency at which popular cities all across the world were hashtagged on the social media platform Instagram.

Bern amassed a frankly unbelievable 1,082,000 tagged photos, whilst the magical skiing destination of Aspen in Colorado came in a close second with 935,000. Perhaps unsurprisingly Norway’s city of Tromso was tagged 768,516 times, taking third place; no doubt down to the fact the city is synonymous with the spectacular Aurora Borealis.

Bern was not the only instagrammable Swiss location to feature on the Top 10 list provided by Focus Clinic. The alpine village of Zermatt came in at sixth place with 400,215 tagged photos and the Swiss ski resort of Grindelwald ranked number ten with 149,836 tags. Switzerland is clearly a very photogenic nation in general, with three stunning winter locations placing within the Top 10.

But it’s the stunning city of Bern which has featured in more Instagram posts than any other country in the world. So we think it’s time to have a look at some of those beautiful winter-themed shots!


to know more visit –

call : 8291344001

email :

Busting Myths Around Factors Affecting Your Credit Score


09 December 2017

Busting Myths Around Factors Affecting Your Credit ScoreCredits :

Maintaining a good Credit Score is extremely important as banks take this into consideration while approving a loan. Read on to know the factors that affect your Credit Score and the myths around it.

Your Credit Score is an important aspect that you need to take care of to keep your financial credibility positive in the long term. If you need to apply for a loan from the bank, then the first thing that your bank does is to check your Credit Score!

You may have seen number of articles on the internet talking about the importance of Credit Scores for quick loan approvals. A credit report with no errors and a score of 750 or above can help you fetch a sizeable loan smoothly.

However, people are often confused about what they should do to maintain a good Credit Score. As a result, they don’t pay much heed to what can actually affect their Credit Score. On the other hand, there are some people who pay too much attention to their Credit Score that they are often left disillusioned.

There are few things which can impact your Credit Score negatively, but not everything will negatively impact your score. In this article, we take a look at some financial matters and habits, which have no connection to your Credit Score and therefore bust myths around it.

Income Level And Job Type Has No Connection With Your Credit Score

Some people have the misconception that an individual with low or average income have below average Credit Score and therefore they have less chance of getting a loan from the banks. In reality, income has nothing to do with the Credit Score.

Banks check income level to ascertain the repayment capacity of the applicant and if they find out that the applicant won’t be able to repay the loan based on the existing income, then it may reject the Loan application. There is no connection of Credit Score and income level for loan eligibility.

Similarly, your nature of job doesn’t impact your Credit Score. Whether you are in a job, business or self-employed, it does not have any influence on your Credit Score.

Cash In Your Bank Account

It is a good habit to maintain some liquidity in your bank account, but if you do not keep enough balance in your account, then you need not worry as it has no impact on your Credit Score.

Sometimes, banks penalise the customer for non-maintenance of monthly average balance (MAB) or keeping less money than the required minimum balance, but such charges have no consequence on your Credit Score.

The way you manage your savings bank account has nothing to do with your Credit Score, but you must manage your bank accounts properly to avoid unnecessary charges. The way you manage your bank account reflects how financially disciplined you are.

Debit/ATM Card Or A Prepaid Card Usage

Some people confuse between the Debit Card and the Credit Card and therefore they have the misconception that using the Debit Card can impact their Credit Score.

It is important to understand here that Credit Card is a spending tool and it is very much like a recurrent Personal Loan instrument which is unsecured in nature, therefore, delay in payment of the utilized amount or a high utilization ratio can negatively impact your Credit Score.

On the other hand, when you use the Debit Card, you can spend only whatever money is available in your bank account. So, a Debit Card or a prepaid card is not a credit instrument, therefore it doesn’t impact your Credit Score in anyway.

Impact Of Spouse’s Credit Score

Some people have the misconception that financial indiscipline of their spouse can impact their Credit Score. In reality, there is no link between the Credit Score of two individuals.

So, the credit report of spouses is independent of each other’s financial activity. However, if you are looking to raise a loan as a co-borrower with your spouse, then the Credit Score of both the applicants is checked individually. The bank may reject the loan if it is not satisfied with the Credit Score of any of the co-borrower.

Apart from above-mentioned points, your Credit Score will not get affected by buying or selling an asset, living in a rented home or late repayment of a debt taken from your relative.

Things that may impact your Credit Score are unsecured loan repayment history, credit utilisation ratio, number of inquiry for unsecured loan and settlement of an unpaid loan.

So, you should be careful about the things that can really impact your Credit Score and do not bother unnecessarily about things which have no influence on it.

BankBazaar is a leading online marketplace in India that helps consumers compare and apply for Credit Card,Personal Loan,Home Loan,Car Loan and insurance.

The post Busting Myths Around Factors Affecting Your Credit Score appeared first on BankBazaar – The Definitive Word on Personal Finance.

to know more visit –

call : 8291344001

email :

Things we bet you didn’t know about Chinese Food


  •  December 2017

Image Source:

How many times have you claimed that Chinese is your favourite cuisine or how many times have you ordered for your favourite noodles and chilli chicken without even looking at the menu? No matter how many zillion of times, you have sworn allegiance to the cuisine from our neighbouring country, the fact remains that there are many aspects of Chinese food that we are unaware of. In fact, the food that we eat is an Indianised version and is very different from the authentic fare. Here are some interesting nuggets of information.

Soupy tales

We bet you begin your meals with soup. That’s not what the Chinese do. Unlike other cuisines, soup is part of the last course in a Chinese meal. The Chinese feel soup aids in better digestion and hence should be partaken towards the end.

Wide vegetable variety

If you think there aren’t many vegetarian options in Chinese food, you are hugely mistaken. Chinese eat far more vegetables than Westerners. They grow a wide range of vegetable such as bitter cucumber, pomeloes, tree fungi, varieties of

Everything is bite-sized

All food must be bite-sized so that it can be eaten with chopsticks. Chinese do not eat with fork and knives as they consider them to be weapons and eating with them is looked upon as barbaric. All food is chopped into bite-size pieces and cooked.

The rice/wheat divide

The rice/wheat divide is very prominent in China. People in the colder Northern regions eat mostly wheat in the form of dumplings, noodles, steamed buns, etc. and people in the relatively hotter Southern regions eat rice. If you visit Southern

Bones are to be eaten

Usually whole animals are served at meal times because Chinese do not like to waste anything. The bones are cooked and made soft enough to be chewed but at times when that can’t be done, they chew and spit it out onto a side plate.

The fortune cookie is unknown in China

Fortune cookies are served in all Chinese restaurants worldwide except China. This is because fortune cookies originated in the 1900s in San Francisco and got popular thereafter. Some historians have also traced Japanese origins for the cookie but there’s no evidence of it in China.

Myriad flavours

Chinese food has the widest range of flavours. According to Chinese medicine it has five key flavours—sweet, salty, bitter, sour and spicy that need to be balanced. The flavours differ from regions to region, for instance Sichuan food is known to be hot and spicy while Fujian cuisine is sweet and sour and Cantonese cuisine focuses less on spices and more on retaining freshness and natural flavours of ingredients.

The same food different versions

In China, the same food can be cooked in a number of ways, like chicken can be fried, steamed, stir fried, pickled in brine, deep fried, roasted, sautéed, so on and so forth.


to know more visit –

call : 8291344001

email :

7 Times you Need to say no to your Kids

Image Source:

While being a parent comes with its own set of responsibilities, having to say ‘no’ to your child is probably one of the toughest parts of the job. But sometimes you need to fight off all temptation to cave into their little demands for candy before dinner or some extra video game time, and be firm while laying down the law especially in matters concerning their general health and wellbeing. Here are a few situations where saying ‘no’ can boost their immunity:

Going to bed and waking up on time : You need to be strict about bedtime—be it on holidays or school nights. If your little one is feeling energetic and lively at midnight, you need to convey that playtime is over and ensure that he or she goes to bed and wakes up on time. After all, an adequate amount of sleep is necessary to rejuvenate the body and keep it strong enough to fight off infections.

Skipping meals : Consuming food at regular intervals is good for digestion and helps keep the body strong. If your child refuses to eat certain meals, coax them gently. Breakfast is especially important. Skipping the most important meal of the day deprives the body of adequate nutrition. A healthy breakfast is necessary for effective cognitive functioning and will you’re your child’s energy levels high.

Overall hygiene : You need to stress on the importance of maintaining hygiene and cleanliness, especially before meals. Inculcate the habit of washing hands after using the toilet. Also, you needn’t feel guilty about saying no when your child sits at the table after playtime without washing his or her hands. Maintaining overall hygiene standards reduces the stress on your child’s immune system.

Less video games, more exercise : Allot time for your child to use the iPad or play video games. But also encourage them to go out and play some old fashioned football or take part in any other physical activity they enjoy. Exercise plays a huge role in boosting the body’s immunity; it increases the white blood cell’s ability to fight off infection.

No loading up on sugar : Ensure you control your child’s sugar intake. A diet high in sugar is known to weaken the body’s ability to fight germs.

Avoid junk food : Talk to your kids about how eating roadside food can make them sick. Sure, a pizza or burger once in a while is alright, but if it becomes a regular demand, you have to say no. Promote healthy eating! Your child’s diet should include plenty of fresh fruits and vegetables, nuts, seeds, legumes, lean proteins and unprocessed whole grains.

No gadgets at mealtimes : Too much time in front of the television or on the computer will make your child lethargic. In turn, this will have an adverse effect on his or her health. So take the time to educate them about the harm too much TV can cause to their eyes. Introduce rules such as no gadgets at mealtimes or no unsupervised browsing.


to know more visit –

call : 8291344001

email :

The Health Benefits of Drinking Hot Water



December 2017

Image Source:

Drinking water is one the best favors you can do to your body. It has surprising health benefits such as strong kidneys, more energy, better mood, and lower cholesterol. Hot water only adds to the long list of reasons why water should be a staple in your diet with several exclusive reliefs. No one can argue that hot water is not tasty. But the few seconds of weirdness significantly outweigh the benefits.

Better digestion:

Warm water stimulates digestion. The body won’t use so much energy to break down the food you consumed, which makes it very easy for them to be digested and to smoothly pass through the intestines. Drinking cold water while you eat has the opposite effect. This is another reason why restaurants offer coffee or tea at the end of a meal.


Warm water helps the body flush out toxins as you sweat and urinate. Body temperature will rise as you consume the hot drink, causing you to sweat. There is no need to subject your body to juice cleanses. Many detoxing diets basically require you not to consume anythingbut juices. Your body needs about 2,000 calories a day to function properly. Anything less than that puts it in stress mode.

Improves blood circulation:

Drinking warm or hot water flushes the toxins, including fat deposits, circulating in your body, which improves blood circulation. Muscles relax as well, also aiding in better blood flow. Also, just like in taking a warm bath, your arteries and veins will expand, which gives more space for blood to flow, according to Johnston UNC Health Care.

Helps with pain:

Have you ever heard of women with menstrual cramps applying a hot pack on their belly to ease the pain? It works like a charm, not just there but on any swollen or painful area. The hot water relaxes the muscles and relieves the pain. Hot water also helps with headaches and other body aches.

Aids in losing weight:

The No. 1 immediate effect is hydration, which helps to shed extra pounds because you feel fuller for longer, resulting in eating less. Also, warm water raises body temperature which, in turn, increases your metabolic rate, which means you are burning more calories at rest. A study showed that drinking hot water helped people lose weight without having to follow a special diet or exercise program.

Slows aging down:

If you are looking for a free anti-aging product, look no farther than your kitchen sink. As your body detoxifies, your skin can recover faster after coming in contact with germs and other free radicals. Cells repair quicker which means your skin is glowing. It is elastic again, which significantly reduces the risk of wrinkles. Hot water also helps against acne by unclogging the pores.

Relieves constipation:

Constipation is a common result of dehydration. Water is what keeps the food moving down through your intestines. If the body is dehydrated, the large intestine will soak up whatever water it can from the food you consumed, making it too hard to pass, causing pain and constipation. Warm water will break down food faster, relieving your pain quicker. Also, warm water is more soothing for the intestines.

Cleanses the skin:

Hot water opens up the pores and flushes out the toxins within the skin. It hydrates it, so in a way it is a natural moisturizer as well. Fewer harmful bacteria in the body and in the skin mean a smaller risk for skin infections and other conditions, such as acne.

Better hair:

Hot water activates the nerves at the roots of your hair, making it soft and glowing. Regular activity of the roots helps the hair grow faster. Dehydration is one of the main reasons for dry hair. Each hair shaft is made up of 1/4 water and when you don’t drink enough, it causes your hair to become weak.

No dandruff:

The logic is unbeatable: Warm water keeps your scalp hydrated preventing the formation of dandruff, which are small pieces of dead skin, in the hair.

Lower risk of infections:

You have probably heard of boiling water when you’re hiking in the wilderness. This is because the process kills harmful bacteria and microbes in the water that can hurt your body after drinking it. By reducing your exposure to opportunistic infections, hot water is superior to room temperature or cold water.

Improves metabolism:

Drinking 2 cups of water will increase your metabolic rate for about 30 percent for up to 40 minutes, according to a study. This includes warm water, which increases your body temperature, resulting in a faster metabolism. Keep in mind that the difference won’t be huge – your metabolism is mostly affected by weight, age and genetics.

Soothes sore throats:

This is the perfect natural remedy for when you have a cold. Hot water dissolves the thick viscous substance secreted by the mucous membranes and helps to remove it from the respiratory tract. Drinking hot water also doses miracles with nasal congestion, especially if you inhale the steam.


to know more visit –

call : 8291344001

email :

Aadhaar Linking: Insurance Policies, PPF, Bank Account, Mobile SIM, Deadlines And Other Details


Source :

Insurance policies have to be added to the list of products or services to be mandatorily linked with Aadhaar. Linking of Aadhaar number – the 12-digit number printed on an Aadhaar card – with insurance policies linkage is mandated under the Prevention of Money-laundering (Maintenance of Records) Second Amendment Rules, 2017, insurance regulator IRDAI has said, asking insurers – general and life insurers alike – to implement the rules without awaiting further instructions. Quoting or linking of Aadhaar – the 12-digit personal identification number known as UID (Unique Identity Number) issued by the UIDAI (Unique Identification Authority of India) – is compulsory for many tasks today. These range from opening a bank account, a PPF (Public Provident Fund) account or a Post Office account to using a mobile phone/SIM.

Aadhaar Number-Insurance Policies Linking, PAN mandatory

IRDAI said Aadhaar and PAN/Form 60 are mandatory for obtaining financial services including insurance. Form 60/61 is submitted by those not owning a PAN (Permanent Account Number) card for making a transaction where quoting of PAN is mandatory.

Here are some deadlines set by the authorities for linking Aadhaar:

1. Deadline for linking Aadhaar card with PPF, NSC: December 31, 2017

For opening a Post Office account or investing in small savings schemes such as National Savings Certificate (NSC), PPF and Kisan Vikas Patra (KVP), Aadhaar is a must. While Aadhaar holders are required to mandatorily produce the Aadhaar, those not having an Aadhaar card or Aadhaar number as yet can quote the EID or enrolment identity number of their Aadhaar application, the government has said. Existing depositors can update their Aadhaar number till December 31, 2017, according to a notification issued by the finance ministry.

2. Deadline for linking Aadhaar card with PAN: December 31, 2017

In August, the Central Board of Direct Taxes – the apex policy-making body of the Income Tax Department – extended the last date for linking of Aadhaar with PAN or permanent account number. The new deadline given by the taxman is December 31, 2017. Earlier, this deadline was August 31, 2017. Linking of Aadhaar with PAN is mandatory for processing of ITRs for assessment year 2017-18, the Income Tax Department has said.

“If this linking (PAN-Aadhaar) is skipped, the return could be considered invalid and the person may have to file it again, which shall be considered belated and may attract penalty, interest and other consequences like disallowances for losses,” said Sandeep Sehgal, director of tax and regulatory at Ashok Maheshwary & Associates LLP.

3. Deadline for linking Aadhaar card with mobile number: February 6

Telecom companies have been sending alerts to customers about completing the process of linking Aadhaar card with SIM (mobile number). Aadhaar is to be linked with mobile connections/SIMs by February 6, 2018. The telecom department has announced three options to link UID with mobile connection: app-based, OTP-based and an IVRS facility.

DoT Secretary Aruna Sundararajan has said the government will not disconnect mobile connections of people who do not have the UIDAI number. She said the department is waiting for the Supreme Court judgement on Aadhaar issue to decide on the action to be taken in cases where people have Aadhaar but do not want to link it with their mobile number.

4. Deadline furnishing Aadhaar card details with banks/financial institutions: December 31, 2017:

Those already holding bank accounts are required to furnish the Aadhaar number by December 31, 2017, failing which the account will cease to be operational, according to a notification from the revenue department.



to know more visit –

call : 8291344001

email :