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

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December 2017

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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.

Source: msn.com

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

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December 2017

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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!

Source: msn.com

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Busting Myths Around Factors Affecting Your Credit Score

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09 December 2017

Busting Myths Around Factors Affecting Your Credit ScoreCredits : mic.com

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.

Source:msn.com

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Things we bet you didn’t know about Chinese Food

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  •  December 2017

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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.

Source: femina.in

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7 Times you Need to say no to your Kids

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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.

Source: femina.in

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The Health Benefits of Drinking Hot Water

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December 2017

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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.

Detox:

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.

Source: www.msn.com

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

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Source : paisabazaar.com

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.

 

Source: msn.com

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10 Quiet Beaches Where the Sunsets Are Incredibly Romantic

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

1. Havelock Island

HolidayIQ reviewer Archi Banerjee adds, “The Howrah bridge, a natural coral bridge is a must watch so is the sunset point, where everyone gathers in the evening to watch the wonderful sunset. Near the Howrah bridge you can find a whole lot of sea life and living corals. …Neil Island is a place to sit back and enjoy nature”

HolidayIQ reviewer Akash Banerjee says, “Pristine white sand beach and nothing else…The beach is wonderful and is a picture to behold. The sunset at the beach is a wonderful sight.”

2. Alappuzha (Alleppey)

HolidayIQ reviewer Amitra Kar adds, “ Being one of the finest beaches of Kerala, it is one of the busiest as well and there are plenty of reasons for it. It’s a clean white sandy long beach which is best viewed during sunsets when the pier provides a unique and magnificent photo opportunity. ”

HolidayIQ reviewer Rizwanuddin Rafiq says, “Vembanad Lake also known as Punnamada Lake, it is the longest lake in India and it is the largest lake in Kerala. Famous for its boats and cruise….This backwater and boat’s journey at least I can not forget. Really this was a milestone of my romantic trip. ”

3. Kozhikode (Calicut)

HolidayIQ reviewer Joji Joseph says, “Watch sunset nibbling seafood delicacies at Kozhikode Beach …sight of a clear sunset. We walked along the Dolphin’s point and the spectacle of Dolphins playing in the water was mind blowing. ”

HolidayIQ reviewer aviral Mukherjee adds, “Beautiful sunset at Kozhikode Beach …go with any mood return with the most romantic ones!!!!… It was 5 in the evening and the perfect time to be there. There was some musical show going on and we could enjoy both. The sunset along with Malayali music. ”

4. Canacona

HolidayIQ reviewer Nikhil Manchanda shares, “A clean beach with lots of seashells to be collected. A worth while visit with a no water sports though but it offers Dolphin rides which are quite enjoyable and fun. … quiet and tranquil experience.”

HolidayIQ reviewer vijay adds, “Beautiful and calm beach to stay. It is worth to visit this beach. Sunrise and sunset looks awesome. Very good place to relax. Very good ambiance in the evening.”

5. Vagator

HolidayIQ reviewer Rizwanuddin Rafiq shares, “The sunset is wonderful through rocks…This beach is providing all the opportunities fun, sea bath, tanning-Sun bath, and the magnificent sunset View, which is a major attraction, and much more to increase the majesty of your vacations or holidays.”

HolidayIQ reviewer Hridesh Singh Tomar says, “Divine sunset view at amazing beach …Amazing, picturesque and nice beach, with superb food options. A beach where you can spend quality time with your partner without being bothered by the crowd and away from the hustle-bustle of places”

6. Mandrem

HolidayIQ reviewer Rizwanuddin Rafiq shares, “Mandrem is another quiet beach, the most affectionate for me and for others, the best preserved paradise on the North Goan coast…. It is one of the safest beaches and has numerous Beach shacks, really served fine sea food and beverage of your choice. This beach is also a great choice for foreign tourists, it has very soft and nice sand a very good stretch and beach is having uniform gradient and waves are really nice. …The waves of the beautiful Arabian sea helps you get back to you. I love the beach, and I love sunshine perhaps I am crazy. Really this is the most attractive and beautiful Beach In North Goa. Because there’s nothing more beautiful than the way the ocean refuses to stop kissing the shoreline, no matter how many times it’s sent away.”

HolidayIQ reviewer Rizwanuddin Rafiq says, “This is place where blue sapphire coloured ocean will make you to be romantic, as well as a perfect beach for physical transform and beach shacks play their role sincerely. …This beach is very peaceful and for sun bath…Having a nice stretch and soft golden sand backed by the coconut and palm trees. ”

7. Varkala

HolidayIQ reviewer Gaurav Vashistha shares, “It is one of the best beach I have visited, you must visit here. Best time is during sunset. There are quite a few people. The beach is really long and wide, so it feels enough space for everyone. The good thing is that the restaurants are really close to the beach. Best place to relax and rejuvenate yourself.”

8. Gokarna

HolidayIQ reviewer Ami Bhat says, “We stayed at the Kudle beach …Dotted with rocks, this is an amazing place to just sit around and relax. There are plenty of shacks on the beach which gives you quite a few food options. The beach is freq…The sunset on the beach is really beautiful and worth a million clicks. ”

HolidayIQ reviewer Sreesha Divakaran shares, “Om Beach – blissful and serene … I’ve always considered myself a beach person. Which is why, for me, Om Beach was like the cherry on the icing! Not only is it a pleasant beach, it was less crowded and VERY clean! ”

9. Mandarmani

HolidayIQ reviewer Pranesh Sarkar shares, “Walking at the beach during sunrise/sunset is an awesome feeling….go to the Mohona where you can see Red Crabs. A very pleasant atmosphere during sunset. ”

HolidayIQ reviewer Shyamal Choudhury shares, “Peaceful beach… If you are looking for a calm and quiet vacation for two to three days, a perfect location to choose from.”

10. Malvan

HolidayIQ reviewer Konark Patel adds, “Serene White Sand Beach…Visiting the beach after dinner in the night was one of the best moments of my life – Peaceful moment with sound of the waves pleasing the soul! Try to visit the beach during sunset for witnessing one of the best views. Carry torch at night as crabs are active at night on the beach.”

HolidayIQ reviewer Mrunalini Randive says, “Perfect place for Holiday. Beach is clean and water is clear. Had awesome experience during scuba driving. For fish lovers food is excellent. sunset on this beach is very beautiful.”

Source: msn.com

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Dos and don’ts for Buying a Second Home

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Dos and don’ts for Buying a Second HomeCredits : http://www.freepik.com

Owing a second home can be a rewarding experience. However, home buyers should be clear about the purpose of investing in the house and select a location and property according to their needs. We examine the points that one should consider

The main purpose of a weekend home or second home, is to provide an avenue for recreation and to spend time away from one’s regular routine. Consequently, weekend homes are generally located away from urban areas.

A home buyer invests in a second home for two main reasons:

  • To use the property for one’s own purpose or to rent it out.
  • As an additional investment over the long-term period.

“Sometimes, the purpose is to spend quality time with family, or pursue hobbies like reading, playing sports or engaging in other activities that may be related to the location of the weekend house,” says Anubhav Jain, director, Group Silverglades.

For example, weekend homes near golf courses provide recreational value to the buyer, while a home in the hills or on a beach provides a serene view, all while living in a home away from home, Jain elaborates.

Why do you Want to Buy the Second Home

Experts believe that one should buy a second home property for self-use, only if they can commit themselves to spending a good deal of time at that home. Dharmesh Jain, chairman and managing director of Nirmal Lifestyle, points out that the advantage of buying a home for self-use, is that the home buyer can move into or occupy the property at his/her discretion. The home could be in could be a picnic spot, or in a hill station that has a pleasant climate and away from noisy urban areas, or in a location where the family can get together for parties, he says. However, there is also a segment of buyers, who tend to use real estate as a source of income generation.

ROI Prospects of a Second Home

The ROI prospects of the second home, depends on factors such as:

  • The location of the second home.
  • Rental demand in the area.
  • Social and physical infrastructure in the region.
  • Overhead cost, such as maintenance charges, car parking charges, etc.
  • Availability of public transport

For example, the cost of a second home in the Mumbai’s suburban area such as Navi Mumbai, will be low, as compared to a house in Mumbai city. While a home of 1,200 sq ft in Navi Mumbai, would cost approximately Rs 90 lakhs to Rs 1.1 crores, a similar-sized home in Mumbai city will cost around Rs 1.5-1.8 crores. However, the rental return for a second home in Navi Mumbai is around 3%-4%, while the same for a first home in Mumbai is close to 5% of the capital value. The maintenance and other variable cost, will also be higher for a first home within the city area, in comparison to a second home at a distant location.

Moreover, within the second home segment itself, a property that is close to commercial spaces and offices (such as Thane), is likely to give higher ROI than a second home in a secluded location (such as Kharghar).

How to select a second home that suits your needs

“One of the most important things, when you plan to buy a second home, is to select the right location. The second home should not be too far away from the city. Another major thing, is to determine how much the second home would cost,” suggests Jain.

Buyers should also study the demand and supply in the desired neighbourhood and opt for a second home that is easy to rent out and earn rental income, as well as providing capital appreciation over the years.

First home vs second home: Key differences

First home vs second home
Source : housing.com

Source: housing.com

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3 Things to Know Before Buying Earphones/Headphones

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Source : freepik.com

Most of us use headphones or earphones on a daily basis, with our smartphones or music players. But do we ever think about whether our pair of earphones or headphones is the best at its job. Let us look at a few tips on how you can select a good pair of headphones.

Here are 3 factors to consider while buying a new pair of headphones-

1. Usage

The primary factor to consider must be your usage type. There are various types of headphones- the ones meant for indoor use, outdoor use and so on.

If you use your headphones while travelling, look for the one with a noise cancelling feature as it blocks the external noise and lets you enjoy your favourite music without any disturbance. If you are a fitness enthusiast, opt for the one with water and sweat resistant feature for obvious reasons.

If you use your headphones for watching TV at night, opt for wireless headphones as it lets you choose your favourite position while watching a good movie. If you are watching a movie or playing a game, go for the ones with stereo surround output for an immersive experience.

2. Music type

Headphones and earphones differ on the basis of their impedance levels.

In simple language, impedance is basically the amount of power required to drive a pair of headphones. Headphones with low impedance require less power to drive and thus can be used with source devices with weaker amplification like smartphones and portable media devices. They are more likely to blow out if excessive amplification is delivered to them.

On the other hand, headphones with high impedance require increased amplification to drive and deliver a more powerful output.

Therefore, it is important to look at impedance levels of your headphones while buying one. You must buy it keeping in mind the source device with which you intend to use your headphones.

Low impedance level is anything below 15Ohms and the high impedance is 50Ohms and above.

Most smartphones and media players are designed to be able to support headphones with impedance as high as 80Ohms, so impedance may not be an issue.

3. Design

If you intend to listen to music for a longer duration, go for the one with a good fit and padding.

Circum-aural or over-the-ear headphones distribute sound evenly and are very comfortable whereas in-ear earphones are ideal for travelling and blocking external sounds.

 

Source: rediff.com

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