personal loan in bangalore

My first exposure to a Personal loan

In my teens, I had this fetish of owning a high end Bose sound system at home. It goes without saying that since I was not earning I could not afford one. I did not want to ask my parents as I was aware that it costs a fortune. I was certain since that age that one of the 1st things that I would pick up once I start earning is this system. I got my first job in 2014 which was one of the top 3 tech companies in India and was based out of Bangalore. A few days back I got looking for a Bose system again and realised that my savings would not suffice the Bose system that I was looking for which was price at almost 2.5 lakhs. That’s when I first got exposed to a concept called personal loan in Bangalore, which one can apply based on a few basic criteria. Since I was working in a very reputed firm for over a year and earning 30k made this process pretty simple for me. I learnt about the varying interest rates for personal loans and explored ICICI bank personal loans, Hdfc bank and Kotak before freezing on ICICI as they had a special offer for my company.

I handed over my documents to an executive from ICICI and the there were couple of iterations as they wanted my latest bank statement was pending at my end. The file I understand was processed within the bank and I got a loan for 3 lakhs at 12.99% ROI.

The money was disbursed to my account in 24 hours post the approval and I was at the Bose showroom the very next day J. Now I went a little over board as I had the money to splurge on that one thing that I have been wanting for a long time. However one of my friends advised me through the process stating the key 5 points that I needed to keep in mind while applying for a personal loan. I am stating these just in case you plan to get a personal loan soon.

  1. Check with multiple banks before you freeze on a bank that you would like to get your loan from. Surprising the bank that I had my salary account with was not the bank that gave me the best offer
  2. Check for the processing fee of each bank. Some of us would just try to negotiate on the ROI but PF could vary from almost nil to even 3% of the loan amount. So if you apply for a 5 lak loan, you pay 15,000 directly for just the processing fee.
  3. Check for pre-closure option – this is a good to know in case you want to close your loan before the stipulated tenure. This would be especially helpful in case of an additional monetary gain be it in the form of a bonus or a jackpot at Vegas.
  4. Read the fine print of the agreement – Though most of the agreements are expected to be standard, it would always help to go through the same to ensure no pointers that could hurt you going forward
  5. Do not delay any payments- Well this is obviously after you get a loan but do not at any cost delay an instalment payment as this could hurt your credit score which would play a key role going forward. Something called Cibil has now got a tight leash on all defaulters

Well I thought it would be good to share this quick note on how a personal loan helped me get the system way quicker than what I anticipated J. Hope this helps in case you planning anything in the near future including travel or also a home renovation. Have fun!

Naturopathy treatment for weight loss

Naturopathy treatment for weight loss

Naturopathy is a process of treatment based on the idea of self or natural healing. It advocates the belief that our body is capable of self-healing any kind of disease. Naturopathy treatment for weight loss considers the body mind and soul to get rid of body toxins and burn fat naturally. Naturopathy has always been denied by the modern ways of treatment and no any detailed report on this has been published yet. Naturopathy focuses on two beliefs. The first is our body is capable of healing itself with zero external invasions and the second is to reform the daily lifestyle to attain better health. Naturopathy claims the successful weight loss treatment with its natural ways and medications.

Naturopathy may include Yoga, usage of herbs and several physical exercises in order to lose weight. The modern medical panel doesn’t fit well with this traditional way of treatment. However, there are certain communities which certify some people as Naturapathic Doctors. Naturopahy Doctors has to go through a four year program that imparts them with basic and clinical sciences. Naturopathy Doctors has to learn many complementary treatments modalities as well in order to practice in certain countries.

Naturopathy has improved itself over time and now in the modern naturopathy treatment it claims to treat many diseases and disorders. It basically focuses on the prevention and education of patients. It suggests patients to opt for a healthier lifestyle with various means. Well, till what extent naturopathy is efficient is not yet reported still some people believe this way of treatment and some people have to claim that they have gone through naturopathy treatment for weight loss and have lost their weight and spending a happier life post that. It is advised to take modern medicines whenever and wherever required along with the naturopathy treatment to avoid any adverse situations though out the treatment.

Leo Packers and Movers

Packers and Movers

Leo packers and movers is the leading relocation service in India. Leo packers and movers has been in existence for more than three decades. Leo packers and movers was established in the year 1975 with a goal set to redefine the relocation industry in the nation. With the combination of strong determination and rigorous efforts of its members they have attained a level of success with prestige. I have personally used this relocation service almost an year ago and believe me they are simply magnificent.

I was shifting from Mumbai to Pune last year as I had got my placement in an IT company based out of Pune. I was staying alone in Mumbai for more than two years and by the time of relocation, I was finding it really difficult to relocate all of my belongings to Pune. I tried all the possible ways but either of them was so tiring or so expensive. Post doing a number of researches and I came to know about Leo packers and movers. One of my far relative told me about it and I dialed their number. At start, I was quite skeptical about them and their services but I dint have any other option than to go for this.

After the successful and convenient relocation of my belongings I was truly astonished with all the services and communication throughout the transit. In addition, Leo packers and movers is probably the best relocation service in India and the best part is it fits under your budget and saves a lot of both money and time. I strongly recommend Leo packers and movers to anyone in India if they are looking for a reliable and convenient relocation service. Your satisfaction is guaranteed from relationship with Leo.

skin specialist in Bangalore

Dermatologist for a beautiful skin

There is a saying that, a Girl never leaves home without a lipstick and a smile one her face. I completely agree with that. After all, confidence is the best dress a girl can wear.

No matter how you look. what skin color you have or where you work, what matters is, are you treating your body the way it should be treated?

Dr. Chytra Anand, a celebrity Dermatologist in Bangalore,  believes that every woman can look beautiful provided they take the time out to take care of themselves.

We live stressful lives and we need the time off to take care of our health and our skin. Skin is a very important organ of our body and it is exposed to heat, dust, bacteria all the time.

Therefore, skin is the first organ that shows your level of stress. But why would you let that happen to you?

By treating and nourishing your skin regularly, you can do wonders to the way you look and feel and it will bring a world of difference to your personality.

Contact a good skin specialist in Bangalore and go for a consultation. You would be surprised to discover so many little known facts about your skin.

Rejuvenate your skin, go for a facial, get rid of dark circles and you will look fresh and energetic.

And best of all, this will reflect on your attitude towards life.

After all confidence is what carries a woman ahead in life.

 

homes for sale in Milton

Getting a House

If you are looking to settle down somewhere close to Toronto, you would realize the exorbitant cost of houses. Buying a house is the single biggest investment in your life. Not only the amount of money, but it is also a huge emotional investment. After all, you want to settle down in a neighborhood which is pleasant, friendly, safe, has good commercial area for your daily needs and is close to your work place.

A lot of us who are working in Toronto, it is great to settle down in a nearby locality such as Milton. If you search for Homes for Sale in Milton, you would get properties which are reasonably priced and at beautiful locations.

Milton housing market is not at its peak. If you are looking for houses for sale in Milton, the houses are still affordable and before it reaches it peak, it is best to invest in them. The average population density per square kilometer is only 86 people. Which means, there are plenty of open spaces for you.

The town has lot of recreation facilities such as sports centers, skating arenas, parks, raceways etc.

They have more than 30 schools in the area. The area has quite a diversified demography of people from various parts of the world.

Milton has lot of restaurants, beauty services, shopping centers, industries and banks which makes it a lively neighborhood to settle down.

Outsource to succeed

When Tim Ferris said proposed a 4 Hour workweek, it irked a lot of people. How can one succeed when you work only for 4 hours? Ambitious people need to work 18 hours a day to ensure that they succeed and fulfill their dreams.

But have you thought, if you work 18 hours a day and sleep for 5 hours, that just leaves you with 1 hour. How will you ever have quality time with your friends and family if you just have 1 hour of spare time?

Is that the reason you started a business? Not to have any time for your loved ones?

123employee helps you establish just that, a perfect work-life balance. Imagine, if you could outsource 10 hours of your workday to a virtual assistant? That will leave you with 8 hours a day. That is still great, because you will still have a solid 10 hour window with your family.

So, how does outsourcing work? Here is what you should do:

1. You identify portions of your everyday work, which consumes the most time.

2. List them down in the order of importance and impact on your business

3. Assign your competence level to each one of them. (Be honest).

4. Now sort them based on priority and competence. If a task is priority 1 and you have low competence, then you will need to outsource.

Now there are some activities which a VA cannot execute. For example, a VA cannot go to networking events for you. So, if you do not have competence in networking, then you better get better at it. But yes, if you want someone to sit and research prospects for you then a VA can be good at it.

Similarly, if you are short of time and you know writing blogs are very important, then you outsource to a VA.

naturopathy treatment in India

Naturopathy India

Naturopathy is a procedure of curing of diseases without using medications. It is an ancient and traditional science involves the physical, mental, and spiritual aspects of our natural constitution. Naturopathy not only capable to prevent but also cure also cure the disease in most of the cases. Main principle of best naturopathy centres in India is astounding. Firstly the reasons and remedies of all diseases are same, that develop due to the presence of intoxicants which are removed. Secondly the intoxicants cause diseases, not bacteria and viruses. Thirdly the nature itself is a best doctor. All levels of the body are treated simultaneously and holistically.
Finally, no medications are used because Naturopathy is a superb medicine in itself.

The main aim of naturopathy treatment in India is to teach people the art of healthy living by changing their daily routine as well as daily habits. This not only cures the disease but makes our bodies glowing and more stronger. There might a question in your mind. what are the techniques that are involved? Right? So the answer is there are four types of treatments food, mud, water and massage therapies. In food procedure and therapy, the idea is to consume actually what we eat in its natural form as much as possible as it is by itself a medicine. That treatment mainly includes fresh fruit, fresh leafy, sprouts and green vegetables. There are different combinations of purifying, strengthening, or pacifying foods. The stomach should left out little empty for this treatment. The procedure of extracting intoxicants from the body, both mud baths and mud packs are used, particularly for ailments such as high blood pressure, tension headaches, anxiety, constipation, plus gastric and also skin diseases like  skin disorders.

In naturopathy treatment in India, water therapy includes clean fresh and cool water  and after water therapy treatment, the body feels really  refreshed and energized. The methods used in this treatment results for a wide variety of ailments: generally a hip bath, improves the efficiency of the liver in our body, large intestine, stomach, and kidneys; also a full steam bath opens the skin’s pores drawing out harmful intoxicants; then  hot foot bath helps with asthma, knee pain, headache, sleeplessness, and menstrual irregularities; in addition, that treatment included with a full body water massage, a spine bath, hot and cold wraps, and enemas, all of these to get rid of the toxins which our body don’t want. Lastly there is also massage therapy which increases the blood flow, removing stiffness, weariness, and pain from muscles.

Its very true that Naturopathy treatment in India can be used to help cure and relieve many of today’s illnesses and diseases and anyone who wants to get stress free and relaxation should go for this.

 

interior designers

Design Your Home Interiors

Ever wondered how to go about decorating and designing your home? This is one of the most challenging yet exciting task you can above. We humans have a tendency towards being obsessive towards things we hold dear to us. Home is one of those things. Therefore it is but natural that we ponder over a lot before we finalise over the perfect interiors for our home.

You should get in touch with interior designers in Bangalore. They are quite an enterprising yet artistic bunch of design experts who have been designing great interiors for households for last several years. Their designers are extremely artistic and they take time to understand your needs and wants. A good designer is someone who can hear the unspoken, see the invisible. He should be able to gauge from your words and actions, the type of designs that would suit your home.

You should study some of the best contemporary designs out there. Design is an ever evolving thing and the only way to stay on top is to follow the latest trends and designs. Besides, you should also have an eye on the budget. Because, you can end up spending a lot without getting the best output necessarily. Carafina, is a good interior design firm who can help you keep your costs low as well provide you with the best home design in town. Check them out. You might be getting the best bang for your buck.

Best garage door opener or heater which one to buy

A garage area could be the working den for the man, yet it could additionally be the space to leave the pet dog alone, a playroom for the children, an added residence and a lot much more. Normally, garage areas in contemporary houses are put to numerous uses, and also because of this, the need to warm the up the room is instead much more. After all, which intends to shiver around in method way too many garments in their own home?

For homes that depend on the cold environment, a heating unit looks like a should have for any kind of type of garage, and also thankfully, the choices about develop and also other points are like you would find for any kind of sort of room. The spending plan and few various other foods are the only issues to be taken note of prior to making the perfect assets. If you have in fact been searching for the most effective heating system for garage, analyze the choices listed below as well as just how each different from others in the listing.

Questions to ask just before obtaining the garage heating system!

As a house owner, the garage area heater requires a couple of aspects to consider, which will certainly then define the kind of heating system you need to be acquiring. Allow’s begin by stating that Garage area heating units are chosen by the area needs, in addition to subsequently, a big garage area will absolutely call for a reliable heating unit for evident factors. This will in addition identify the kind of price that you will absolutely be spending for a particular style.

Secondly, you need to consider precisely what type of residence heating you call for. There are natural gas heating systems, lp gas furnace and also the preferred electrical home heating units to name a few choices. Environment plays a top function, as long as the area of the garage location. If the temperature level declines are also serious, there is a requirement for a much stronger method. It is good to acknowledge that the ventilation of the space additionally plays a dominant obligation. For houses that can possess wonderful ventilation and cozy atmosphere all year around, the most effective garage area heating device can be a lowered level version due to that it does not take much time to get to the temperature degree preferred. Ideal garage door opener is one of the most important point for your residence. Before getting in the specific of any sort of heater type as well as brand name, the first point is to figure out exactly what kind of heating unit need to be optimal for the garage. One can examine the evaluations that are readily available for different designs as well as use the same as a benchmark to evaluate others. Permit’s acquire functional below- no 2 heater coincide, particularly if they originate from various brand names. The functions like temperature level command and also progressed attributes might be as various as chalk and also cheese, in addition to it is a whole lot on the cost.

Go online for purchasing!

There are some really reliable sites for buying the most efficient heating system for garage, depending on your area and the kind of brand or design you are looking for. E-retailers are always efficient in supplying an excellent price cut to their customers because of because they have better margins and also lesser market price as as compared to the suppliers as well as local suppliers in your place. Also, on-line getting of garage location furnace comes off as an excellent perk, considering that you can examine more than a couple of trademark name, contrast one with others, examine the price distinction as well as make the most effective variety. There are purchasers that have actually given comments and also specific comments, as well as those points will come convenient in selecting a model.

Sort of garage location heating systems

Generally, you will definitely locate most commercial suppliers are providing electric, lp gas or gas heater. These are the typical differences in between the designs in the technique they work. Right here is a close consider the various sorts of heating systems and just how one rankings over another.

Natural Gas Garage location Heating systems

If you have a gas line in the garage location, it could be made use of to run a gas heating system. This functions well as the most reliable heating system for garage area for homes where the garage location is utilized for specific work, and the gas right here works to generate the heat in the home heating system, which after that heats up the entire space. Often, gas heating units have a follower inside that distributes the air in the area. Now take a check at the plus and also minuses. Assessments of suitable garages are additionally readily offered here.

Gas furnace are among the most trustworthy options for residences where you have the gas line. The running rates are relatively substantially lesser as compared to electric power. Best garage door opener and garage door opener reviews are the best places to buy from.
Furthermore, additionally if the run of our house is gone, the heating unit will certainly still continue to be to run at the very best speed. Not to disregard, gas heaters are rather excellent for areas that allow, so if the garage area needs effective home heating this is the lots of points needed.
Boiling down to the flips, natural gas heaters can be mean extra cost when the gas line is not presently installed. Also, the requirement for air circulation in the space is very high. Basically, you need to guarantee that the air circulation is well maintained.
There are some certain requires that have to be met prior to setting up gas heating systems. Likewise, you can not keep any type of type of flammable gases in the garage area. Bunches of people that make use of gas heating unit experience the odor, which is really annoying. Likewise, you have to examine if the heating unit has a temperature command.
Best Garage Heaters also are the best place to buy heaters from.

When it relates to houses and little garages, electric heating devices are the most practical selection. If you are checking out an online establishment, you will certainly find a bunch of trademark name that are marketing first class electrical home heating devices. Electric home heating devices, as the name already suggests, handles electrical energy in addition to changes it right into heat. There is an indoor coil that is heated, then there is an additional fan that pumps the heat squared away into the area. This sees to it effortless flow, as well as gave that the heating system functions sans any kind of sort of gas or fires, it is considered to be as an alternative risk-free for households where there are children as well as pet canines around. Permit’s take an examine the positives and downsides.

Electric heating systems for garage area are rather renowneded for being easy to mount, take advantage of and also managing temperature level. www.garageasy.com is one the the best place to buy garage door opener from. As a client, you do not need to do anymore job when you have actually obtained the layout home. There is a thermostat that will certainly help you responsible the temperature degree.
On the reward side, electric styles do not really make a noise or leave any kind of kind of sort of undesirable smell. Also, there is no requirement for garage area ventilation. The heating unit utilizes electrical energy, so you could really eliminate all type of potentially unsafe gases.
Although the other hands are restricted, electrical heating units are thought about to be pricey as a result of the running expenses included. If you are taking advantage of the electrical heater for the lengthiest time, you are most likely to pay a wonderful costs for power at the end of the month.