A Guide To Manage Your Credit Card Score & Finances Efficiently
Managing your finances is not easy if you are not a financial expert and you should look for expert advice from time to time in matters involving money. Not everyone is born with a sharp analytical mind, and ordinary people often find it hard to manage their finances due to inexperience and lack of knowledge. AAACreditGuide.com has answers to all your finance-related inquiries. They provide expert advice and valuable suggestions on everything related to personal finance. You can also get the best reviews from the industry experts on the most popular financial tools available in the market that will help you to make right decisions.
7 Important Components Of Personal Finance
When it comes to personal finance, it can have many aspects, and it requires a proper financial plan to manage each component properly to help you lead a risk-free life. Personal finance more or less revolves around the below-given elements and a brief insight into each of them will help you formulate the right strategies.
There are many ways you can spend your money, but there are only one or a very few sources of income. So, maintaining a steady cash inflow is needed first and foremost to meet your expenses and secure your life. Prepare a list of income sources that you have, the primary source (the salary) and the secondary sources (commissions, perks, employee benefits, shares, bonds, ROI, etc.). It is advised to have a secondary source of income for everyone and not depending on a single source as the latter might back you up in case you face an unfavorable situation like a job loss.
Once you are sorted out with your earnings, it is time to look into your expenses. Make a list of your day as well as additional costs and see if your income is sufficient to meet all your expenses quickly. In case the income-expense ratio is not balanced correctly it means that either you need to curtail your expenses or need to increase your income.
However weird it may sound, but if managed properly, debts are valuable tools that help you during financial crunches. Debts, in forms of credit cards, loans, mortgages or other varieties should be dealt with some expertise to avoid getting saddled by the debt burden. There are many ways to get rid of the load or to reduce it to a great extent. Learn about the various tools and options like debt consolidation, debt settlement and so on to remain unaffected by the debts.
This is the most crucial part of your personal finance, and you must make it a point to save a particular portion of your monthly income after meeting all your expenses. Your savings account will determine your credit score and your ability to get loans or credit cards. Your savings account will denote the liquid cash you have in your hand apart from other investments.
You need to pay taxes, and the more you earn, the more you need to pay to the Government as income tax. There are other taxes as well (like the property tax and others) that requires careful handling and calculations. Hiring a lawyer or a CA firm will be the best option for tax management as they will suggest the best solutions for maximum tax savings.
Getting insurance is a priority as you get a hefty amount of a sum assured from the insurer in case of a misfortune incident, like untimely death, illnesses, accidents or other losses. There are many plans with various benefits, so opt for the best insurance policies that cover your entire family in times of need.
No matter how little you earn, you must invest some amount in various investment schemes. You can invest in a property or in the stock market that will get you long-term benefits. Choosing the right investment tool is not easy, and you must seek expert advice to select the right plans suiting your profile and objective.
Top 5 Websites to buy Home Appliances
Top 5 Websites to buy Home Appliances
Home appliances are the basic need of any house. They help us to get our work done easily and without much hassle. Some years ago, home appliances were not much popular due to low availability and high price. But now the scenario has changed, almost every house has a variety of appliances that are used. With the expansion of market and availability of appliances on e-commerce websites in large number, the demand of home appliances has increased and also are easily available to everyone. So, if you are planning to buy some home appliances, then here is a list of top 5 websites from where you can buy home appliances along with discounts and various other offers.
Amazon is the largest e-commerce website in India, based on its revenue and market capitalization and second largest based on its number of sales. Almost everything is available on the website from small needle to large air-conditioners. Amazon also has its other parts like, Amazon Prime where you can see various movies and series by subscribing to it paying some amount based on the time period of your subscription and Kindle where you can buy e-books and read it on your mobile, tab or Kindle tab.
The website provides various offers and discounts to its customers. For expensive products there are EMI options available, in which you pay small amounts monthly till you pay the full amount. The EMI amount and interest rates vary from bank to bank. Also, there are free shipping services available along with various exchange, return and replacement offers. Presently, amazon covers all the pin-codes across India for delivering its products, which makes it the website with vast network.
Currently, there are various offers going on home appliances at amazon. With the option to choose from more than 50,000 home appliances product, the website is giving 30 % off on large appliances like AC, fridge, washing machine, etc., and up to 50% off on small appliances like water purifiers, iron, mixer-grinders, etc. The company is giving 10% off if customers pay using cashless modes. Also, the website assures quality by delivery products from established companies like Usha, Orpat, Philips, etc.
TATA CLiQ is a part of TATA group, one of the oldest companies in India selling variety of products. The company is a newbie in the world of e-commerce, yet it has climbed the top within a very short period of time It is the first company in India to introduce phygital on e-commerce platform. Phygital is the form of marketing that connects both physical and digital form of marketing.
The company sells variety of products like clothes, jewellery, electronic appliances and other home appliances. With the introduction of phygital, the company now serves a wide range of online and offline customers. So, if you are one of the old school type and want to physically view and test the item before buying it, then this website provides you with the facility of locating nearby brand store through the app and do the purchase physically. For customers who don’t hesitate relying on online services, it provides with a wide range of options to choose from. Also, with the help of phygital, in return policy, door to door pickup and dropping off at nearby store facilities have been provided to the customers. The company covers wide range of brands like Samsung, LG, Bajaj, Philips, etc. The company has started delivering at most of the cities across the country with faster delivery services.
There are various easy EMI options available on various products and also there are various ongoing Tata Cliq offers and discounts for the customers. As per the on-going hot offers, there is 50% off on TV, up to 50% off on Trimmers and Shavers and hair dryers are available at price below Rs 999. There is up to 35% off on water purifiers, up to 30% off on vacuum cleaners and up to 70% off on headphones.
Flipkart is a Bangalore based Indian e-commerce company, claimed to be biggest start-up in India. It is currently the toughest competitor of Amazon in India in the field of e-commerce marketing and the biggest Indian e-commerce market with over 80 million products in 80+ categories and over 100 million registered customers.
The company sells variety of products from clothes, shoes, books to electronic gadgets and heavy appliances. Like Amazon, various exchange offers and discounts are also available on the website and you can also avail EMI on various products. Flipkart product delivery now covers all the cities across the country. The website also provides free return policy, easy exchange offers and free doorstep delivery on most of its products.
The company is providing amazing deals on home appliances in its summer sale. Up to 10% discounts on HDFC credit and debit cards with other offers in EMI transaction. Up to 50% off on water purifiers, up to 55% off on AC, 50% off on fans, 40% off on desert coolers and 65% off on inverters. The products are from well established companies like Samsung, Voltas, Symphony, Usha, etc.
Snapdeal is another Delhi based Indian e-commerce company. It is really popular among customers when it comes to online shopping. Presently it may not be at the level of amazon and flipkart in India, but still is one of the established India e-commerce marketing platforms. The company assorts 35 million+ products in 800 plus categories from various local, national and international brands.
It sells variety of products from fooding stuffs, books, clothes to home appliances. The company has been people’s favourite due to its wide range of products available at cheap and really affordable prices. Another thing that has made the website a demanded one is the amazing delivery speed of its products. It delivers in about 6000+ cities across the country and in a period less than other websites. Various offers and discounts are available on different category of products. Facility of EMI transactions are available on costly products and appliances.
The company deals with variety of well known brands like LG, Voltas, Hitachi, Bajaj etc. The ongoing deals on the website includes up to 10% off on HDFC, HSBC and Axis Bank debit and credit cards. Kitchen and daily need appliances have up to 70% discount on them, up to 50% off on fans and inverters, up to 46% off on coolers and AC. Also, various ongoing deals and offers are available depending on the brand of product you shop.
Paytm is a Noida based Indian e-commerce cum digital wallet company. Paytm Mall is a part of Paytm, it mainly focuses on e-commerce marketing and provides to shop from a wide range of product in various categories. The website got its popularity due to the amazing cashback and discount offers it provides on its product.
Paytm mall has perhaps the biggest variation in category of products. From general purpose item, clothes to electronic appliances and motor vehicles, the company lets us to choose from a wide range of products. It delivers at most of the cities across the country with free delivery option on various products. The website comes with exciting offers every weekend with sale of various products at Paytm Sunday Bazar. Paytm Mall has easy return and refund policies with no questions asked. It sells various quality checked and tested products under the Paytm Mall Promise tag.
There are various summer deals going on the website. ACs are available at no cost EMIs with the offer of free installation and free stabilizer with it. Also, there is additional 10% off on ICICI bank credit and debit cards. Other offers include up to Rs 10000 cashback on ACs, 50% cashback on coolers, up to Rs 4700 cashback on dishwasher machine and many other exciting deals on air purifiers, washing machines and variety of products.
The summer is on and the demand of home appliances like AC, cooler, fans, juicer, etc. are high. But the heat outside is burning. So, why to step out of home and hop from shop to shop when you can shop from the comfort from home on these websites and get some real exciting offers and deals. Happy shopping.
5 BEST BEARD OILS IN INDIA UNDER RS.800
5 BEST BEARD OILS IN INDIA UNDER RS.800
Looking for something to upgrade your personality? Always wanted a thick dense beard but has no idea how? Or tried many ways, all in vain? Well, don’t waste much time there, because we are delighted to present the best beard oils in India under Rs.800. Add a new charm to your personality with thick and attractive beard. So let’s get started!
Beardo Beard and Hair Growth Oil
Beardo beard oil is specially formulated to increase the length of beard along with enhancing the texture and thickness of it. The oil seeps deep inside the roots of beard and make it shiny.
The oil prevents itching by moisturizing the skin by seeping deep inside the hair roots, provides conditioning, and manages fizzy hair.
Price for 50ml: Rs.750
Purchase this excellent beard and hair oil at Flipkart upcoming end of reason sale at heavy discounts.
Trumen Beard Growth Oil
This beard oil is specially formulated for beard and moustache. It provides moisturization to hair strands all day and prevents itching and dryness. Along with this, the beard oil also gives a smooth and shiny texture to the beard and stimulates growth. The oil is also a natural product made with essential oils that penetrate deep into skin.
Price for 30ml: Rs.550
UrbanGabru Beard Oil
This unique product claims that it gives a mess free thick beard which people would for sure admire. Add some fragrance to your beard with this excellent beard oil which also stimulates growth and keeps etching at bay. The beard oil is composed of natural ingredients such as argon oil, sunflower oil, almond oil, jojoba oil, orange oil, and menthol. You can grab this beard and facial hair oil at upcoming flipkart sales and avail the maximum discount possible on this product.
Rs.350 for 30ml
Viking’s Classic Beard Growth Oil
As the name suggests, this beard oil is used to tame and control the frizz of beard. It is made of 100% natural ingredients such as jojoba oil, sweet almond oil, peppermint oil, Argon oil, cedarwood oil, and mandarian oil.
This oil helps in attaining softer, thicker and shiner facial hair along with keeping the beard itch free, beard-druff free and hydrated.
Rs.499 for 30ml
Ustraa Mooch and Beard Oil
Ustraa mooch and beard oil is a combination of 4 oils along with sunflower oil which helps in controlling frizz and provides shine and tackles dryness. One of the ingredients, evening Primrose oil, helps in curing hair follicles and also fights fungi, yeast and dandruff.
This beard oil claims to be SLS and parabens free and retains the effect till 12hours until washed.
Price for this oil is Rs.599 for 35ml. You can get this oil at an amazing discount of upto 70% in the flipkart upcoming sale.
These were some of the best beard oils available in India for men under Rs.800. the best way to pick the beard and facial hair oil is as per your requirement and skin type. Look for the product that offers the qualities your skin can use to get nutrients. Happy Grooming.
Oppo Find X specification, release date & design concept
Oppo Find X specification, release date & design concept
Oppo has launched it’s Find X smartphone in Paris and made an official declaration that it’s their first global smartphone. Though there is a lot to say about the elegant phone, there are two things which stand out. First is it’s high-end slide out cameras and the other is the bezel-less screen. Oppo has sent out the invitations for their upcoming event in New Delhi in July. Oppo Find X is set to be launched in India on June 12. Oppo Find X is directly aimed at Samsung Galaxy S9+, Apple iPhone X, and Huawei P20 Pro. We’ve rounded up everything you need to know about this exciting new phone like price, specification, design concept and release date in India etc.
The new Oppo Find X smartphone runs on Android 8.1 Oreo operating system. It features a 6.42-inch display and 1080 x 2340 pixels screen resolution. It’s powered by an octa-core processor of 2.5 GHz which is paired with 8GB RAM. Oppo Find X is powered by 3730 mAh battery. The internal storage is 256 GB. Oppo Find X definitely attracts the selfies lovers with it’s 25 MP front shooter camera. It has a 16MP rear camera. It’s a dual SIM smartphone with GSM + CDMA both. It has got all the connectivity options like GPS, Wi-Fi, Bluetooth, and 4G. As far as sensors are concerned, there is a proximity sensor, light sensor, accelerometer, gyroscope, and compass. One thing to note is that there is no fingerprint sensor on this phone. Adreno 630 GPU assures that you have a seamless gaming experience. Oppo Find X primarily uses 3D facial scanning to unlock.
The design concept of Oppo Find X is super impressive. The all-screen design makes it really hard to ignore or overlook this phone. Moreover, it’s the first phone in the world to feature a screen to body ratio of almost 94%. In simple terms, it just means that there are no bezels on the three sides of the phone. Of course, there is a tiny chin at the base of its screen. Oppo deserves applause for skipping the controversial notch screen design which was set forth by Apple with their iPhone X. The notchless display in Oppo Find X is undoubtedly the best feature which makes it one of the coolest premium smartphones in the market today. Vivo Nex comes next with a screen to body ratio of 91%. Oppo Find X weighs about 186 grams and 156.70 x 74.30 x 9.40 are its measurements.
Oppo Find X is available in 2 color variants – Glacier Blue and Bordeaux Red. Both are looking gorgeous and premium! Oppo must be applauded for the innovation on Find X. There are 3 onboard cameras and all of them are invisible. The cameras just pop up when we open the camera app. Or else they remain hidden. The slide out motorized camera system moves back to the chassis of the phone when the camera app is closed. As per the claims of Oppo, it takes 0.5 seconds for the camera to pop out of the chassis.
Oppo is gearing up to launch their first global smartphone Oppo Find X in India on July 18, 2018. The tagline on the invitation goes like this – “Find what you have been looking for until now”. It’s bold and inviting at the same time. But the name of the new device is not mentioned on the invites. Oppo’s Indian Twitter account has been throwing hints about its arrival in India very soon. So, many gadget lovers believe that they are going to launch it in India on July 18, 2018. Find X is already launched in Chana and Oppo is all set to launch it in Europe and North America in August.
The expected price range of Oppo Find X is INR 75,000 – 80,000. It’s pretty expensive but it’s feature packed just like iPhone X and Galaxy S9+ etc. It’s a bit disappointing that the screen resolution is full HD and not QHD. Wireless charging, waterproofing are some other premium features which are missing in this smartphone. However, the design and the exciting features like slid cameras are definitely innovative and attractive. Keep visiting our blog as we are soon going to post a full-blown review on Oppo Find X.
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