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Updated: 2017-09-05T03:05:24.760+05:30


Guitar learning tips for beginners


Learning a new instrument can be frightening, especially at the beginning. Here is some advice for absolute beginners.

Learning a musical instrument is about the journey you take. So if you have ever considered learning a guitar, give your 100 percent to it. You might end up becoming a lead guitarist or simply learning something new.

Buy a cheap guitar:

It's often recommended buying a second hand acoustic instrument if you are learning guitar. Just make sure that the guitar is tuned properly before you start practising, otherwise you will be left wondering why everything sounds so bad.

Get a tuner:

You will need to find a way to tune your guitar. Using apps like "Ultimate Guitar Tools" does the trick perfectly. The app also has a chords library that you may also find handy. Again you don't need anything too flash, just something that adequately works and can teach you well.

Style of learning:

There are different styles of learning guitar - as a beginner try to learn both 'Chords and TAB' and see which one you prefer. It's matter of personal preference. If you are looking for new music to practice with definitely look at the website: - this is the best website for sharing any kind of guitar music.

Judge anyone's personality through the ringtones


The effects of annoying ring tones are no joke. In a recent Mobile's study, 66 percent of people had been so annoyed by someone else's ringer that they had to ask the owner to shut it off.

The next time you are getting bored in any journey or party, try listening to people's rigntones and judge their personality.

From the basic ringing tone to movie songs to other funny sounds, people vary a lot in their choices. Here are a few common tunes that we liten to everyday and what does it say about the person.


This person is highly considerate about people around him and is alret enough to not miss out on a call.

Standard ring:

Your phone is as good as new. You haven't tried to explore the possibilities of other tunes in the phone. Or maybe you are simple and look at the phone only as a means of communication.

Classic old song:

You pride your age and love for what you call as "Real Music".


You are young, cool and enjoy annoying other people so you may delay answering your phone just to let that song annoy them a little longer.

Animal and other alien sounds:

You think you are funny but actually you are doing a good job in annoying others.

Promissory Note : The Details


A promissory note is a legal instrument which is a signed document containing a written promise to pay a stated sum to a specified person at a specified date or on demand.

Promissory note is a written promise to pay a debt. It is a financial instrument, in which one party (maker or issuer) promises in writing to pay a determinate sum of money to the other (the payee), either at a fixed, determinable future time or on demand of the payee subject to specific terms.

Thus, a proissory note generally means a signed document containing a written promise to pay a stated sum to a specified person or the bearer at a specified date or on demand. A promissory note can be either payable on demand or ata specific time.

If the promissory note is unconditional and readily saleable, it is called a negotiable instrument.

The terms of a note usually include the principal amount, the interest rate (if any) the parties, date, terms of repayment (which could include interest) and the maturity date.


Losing a job can be an extremely bad experience


Losing a job can be an extremely bad experience. But at present, with the changing landscape in the workforce, the shame of unemployment should be a thing of the past.

In the old days, unemployment was equated with failure and blame fell squarely on the individual who couldn't hold a job. Today, with organizaitons in constant transition, most people have had either a direct or indirect experience of seeing someone leave their job without another to go to. In fact, most the professionals who reached out about their unemployment experiences agreed to do so only on condition of anonymity, indicating that we haven't come that far.

Many human resources professionals, said that they understand why corporations look through the resumes of the unemployed. The demand for jobs simply outweighs the supply of talent and hiring managers need a way to go through applications quickly. Yet the struggles of enemployment keep increasing due to the ruling out of those candidates who were a casualty of downsizing or bankruptcies.

On addition, the sting of unemployment grows more pronounced as you age. Having a graduation date on your professional profile that places you in your 50s does carry a much greater stigma than that of someone in their early 30s. Job seekers need to recognize that this shame still exists.

Brittoni:Habituation of eating eye shadow


A young woman from Toledo, Ohio, who has been addicted to eating eye shadows since she was a toddler, has finally decided that she would be better off without her dangerous habit.

When Brittoni made an appearance on TLC's 'My Strange Additiction' she told viewers that she can imagine the make-up coating her insides, while comparing her addiction to the craving of a candy bar.

Brittoni, 22, had asserted at the time that she enjoys consuming eye shadows, and loves the metallic grey, white and brown colours especially.

But, Brittoni has now vowed to give up her addiction afer being warned by doctos that the arsenic, lead and nickel in the product could give her further heart problems, cancer or even kill her.

Unsecured Personal Loans : Try It Now!


All we know that having a bad credit history should not backside you from trying to seek financial help when you are in a crucial stage. Bad Credit Loans are now available that suits for you and can help you come out of your financial crisis. These can also be suitable for those who are trying to get credit for the first time.

When you are searching for a loan, finding a lender to help you out when you have bad credit or no credit may seem unimaginable. Here No Credit Check Loans are certainly great option for many borrowers who may be dupes to getting the same. In fact there are many of the lenders who claim to offer real No Credit Check Loans are actually frauds. But at this platform you can get real deal to fulfil your needs.

You know what? Unsecured Personal Loans are usually more difficult to get approval on anyway, but getting fast loan approval with no collateral and with poor credit ratings is something difficult. Here is the option to get Unsecured Personal Loans that are within reach of bad credit borrowers, and can be granted and transferred into a bank account as quickly as just after submitting the application. So, try it now!

Laptop Buying Guide


Nowadays all students need a laptop. Follow these tips to identify a perfect one.

1. Pick a portable size:

Although 15-inch laptops tend to be the cheapest, 11 to 14-inch models are better for students on the go because they usually weigh less than 2 Kg., making them much easier to transport.

2. Consider a touch screen hybrid:

Windows 8 sports an inerface that works a lot better with a touch screen, so consider buying a laptop with a touch screen. However, if you want full touch experience, consider a hybrid laptop. One good choice is the Dell XPS 12.

3. Go for at least 5.5 hours of battery life:

It's not always easy for students to plug in when they are going to class or finishing a paper in the campus. So get a notebook that lasts at least 5 hours and 30 minutes on a charge. Have a home-grown battery test, which invloves continuous Web surfing over Wi-Fi.

Lovers Married After 60 Years


Couple from San Diegoreunites after 60 years and gets married. Yeah! It is true!

Love moves in myserious ways, and that's certainly the case for 81-year-old (Sorry! Young..!!!) Cynthia Riggs. The divorced author from Martha's Vineyard became the central character in her own mystery after receiving a love letter written in code in the mail.

It was mystery that took the author back 60 years, to when she worked at a San Diego marine laboratory with a young man named Howard Attebery. When Ms Riggs tracked Dr Attebery down in California he admitted to sending the note. In a final twist to the story, Dr Attebery confessed his love for Ms Riggs and the couple got married.

Although they never dated when they worked together, the pair used to pass coded messages to each other at the laboratory. Ms Riggs said she told."I liked him a lot but I didn't see any romantic interest in it."

Dr Attebery however, adored his co-worker and kept all of the notes she passed him. Because he was sure Ms Riggs did not feel the same way, he never asked her out - until he was 90 years old.

After the death of his wife, Dr Attebery stayed single for a long time, before finally plucking up the courage to track down Ms Riggs. And, after years of not knowing how to tell her how he felt, Dr Attebery's coded meassage read: 'I never stopped loving you.'

The pair exchanged letters for about a year before meeting and, when they were finally reunited in California, he proposed within an hour: "You know, love is a great place to spend the rest of your life,' he said. The couple had a commitment ceremony at Martha's Vineyard.

In March, Dr Attebery and his son Mark, who teaches in New York, packed up his belongings in San Diego and headed to where the couple had.

Popular alternatives for a personal loan!


When you are in the urgent need of cash, the easiest option seems to be taking a personal loan. But with the raging interest rates these days, it’s not quite wise to get into the vicious cycle of debt. Banks also tend to look at your entire financial profile before accepting you for eligibility. What if you could have an option apart from personal loan in times of crisis?Here are some quick fixes as alternatives to personal loans –Loan against fixed deposits – This is the quickest possible loan because banks lend against their own fixed deposits. The repayments of this type of loan should be done within the fixed deposit tenure. The biggest advantage is there is minimal documentation required and loans are available over 80% of the fixed deposit value. Also, your fixed deposit continues to earn interest even during the tenure of the loan. However, you must discipline yourself to repay the loan every month like an EMI.Gold loan – Initially started off as a popular source of finance in rural and semi-urban areas, gold loans have off late become extremely popular in metros as well. This type of loan provides immediate liquidity on the basis of one’s jewellery without having to sell it away. Further, there are no processing charges and prepayment fees. The loan amount depends on the purity and weight of the gold that is given. Although this loan does not necessitate previous credit history, banks are going stringent on these after recent RBI regulations. Further, the interest is not cheap and is comparable with personal loans.Loan against Property – You can borrow against your property and the loan amount is calculated on the basis of value of property and the borrower’s capacity to repay. Refinancing the property is an option if the value of loan is to be increased or the property value has risen over a span of time. Failure in prompt repayment can result in loss of ownership, and hence absolute care must be taken, as a property is usually of higher value than any other form of security.Loan against shares – Banks lend against the shares of specific companies which you hold. However, not all shares you hold qualify for such loans. Each bank has a different list of approved securities which qualify for such loans. The amount depends upon valuation of security and ability to repay and service the loan. Although you can receive money without liquidating your investments, the amount granted as a proportion of the security offered is much lower compared to other forms of loans. With present volatile stock markets, this may not come cheap as well.Loans against Life Insurance policies – Loans that are granted on the basis of life insurance deals have lower rates of interest and easy options for repayment. Loan amount is dependent on the value of the policy. It can be repaid anytime during the term of the policy. In the event of an unpaid loan amount, interest will be deducted from the claim. This is a quick loan with minimal documentation.Loan against Public Provident Fund (PPF) – Loans can be taken on the basis of PPF but with tenure only up to 2 years. If the first loan is repaid, the borrower is entitled for another loan if they are within 3 to 6 years of opening an account. The benefit of this loan is that you can borrow without breaking your PPF and also with minimum documents.You can take a look at the above mentioned options see which one might suit you best. If you are in urgent need of cash but for a short period of time, you might want to consider these alternatives. Evaluate your need and financial position before deciding on any kind of loan, as these will have direct implications of your financial plan.[...]

I Know The World Cannot Imagine Sachin Without Cricket


Anjali Tendulkar feels that it would be difficult to imagine her husband a great cricketing legend Sachin Tendulkar without cricket. The legend ended his 24-year fairytale journey at the Wankhede Stadium after the second cricket Test against the West Indies.The last one month have been difficult for us. Whenever we thought of this day we became emotional. It will be difficult for us to imagine Sachin Tendulkar without cricket. Cricekt can be without Tendulkar but hard for us to believe that Tendulkar will be without cricket, "Anjali said in a rare TV interview.Anjali said Tendulkar can never switch himself off from the game."I have never seen him switching him off from the game. Even when we are holidaying in England he is always in the switch on mode. He is very conscious about the game and will never eat too much. We will always hit gym and practice with Arjun (son) to stay fit whenever he gets a chance, "said Anjali in an interview to host broadcaster Star Sports.Anjali said her husband is good at hiding emotions and it would highly unlikely that the cricket legend will aloow his emotions get the better of him. Tendulkar, however, became emotional and tears rolled down his eyes when India lifted the World Cup here at the same venue in 2011. Asked if she would put up the goggles and hide her emotions, Anjali said: "I am also good at hiding emotions. May be if not today but tomorrow."So how difficult would it be for their kids Sara and Arjun, Anjali said: "Sara is very much like her father. She never shows her emotions. Before they were born Tendulkar was already a cricket star. So while growing up they were still figuring what there father was."Anjali also said that Tendulkar was pleasantly delighted to see his son as a ball boy on the second day of the Test mach. Tendulkar himself was also a ball boy at the same venue here during the 1987 World Cup."Arjun is among the Mumbai U-14 prbables. He had a Harris Shield match and his father told him that he cannot miss the match at any cost. So Arjun went to the play his school match but found that the other opponents haven't turned up. And so he rushed to the stadium and in the meanwhile his coach had already got the accreditation. So Tendulkar was pleasantly surprised to see Arjun as a ball  boy," said Anjali. Anjali also said that now he would give some household responsibilities to Tendulkar. "Sachin is always worried at the paint coming out here and there in the house. Hopefully now I will give him some household responsibiliites," she said.[...]

Article via SMS service from Wikipedia


Airtel, in association with Wikimedia Foundation, has announced a new service called Wikipedia Zero that allows its users free access to Wikipedia on mobile phones.Wikipedia Zero allows users to search an article on Wikipedia via text messages and not internet. To search for a Wikipedia article through the Airtel partnership, a subscriber simply dials *515# on their phone, and they'll get a text message inviting them to search Wikipedia. The subscriber enters a topic (like 'Cheetah') in the same manner they would send a text message.Then, two other menus appear that let the subscriber clarify which article they are interested in. The first response is a list of possible matching articles to the search term and the user chooses the best match.Then the Wikipedia article section headers are listed, and the user chooses which section to read.So, with only entering a search topic and choosing from a couple of short lists, the subscriber can quickly select any Wikipedia article. At that point, about a paragraph of the article is sent to the phone via text, and the subscriber can respond to continue reading that article.Praekelt Foundation, a South African nonprofit with expertise in text messaging, has developed the necessary technology for the service. Praekelt's technology acts as a bridge that communicates between the Wikipedia servers and the Airtel network, converting the customer's request for articles into the interactive menus and SMS delivery shown above."We're launching this service with Airtel Kenya as a three-month pilot in order to learn more about how well this works in practice. From the lessons we learn from this pilot, we hope to eventually make this service widely available to reach the billions of people who have mobile phones, but cannot afford access to the internet," Wikimedia said in its official blog.However, this initiative has been started in sub-saharan Africa, starting in Kenya, and not in India.[...]

English Language Channels : Role of Electronic Media


Some days back I look out on a case study on : "Exploring the role of electronic media in augmenting oral communication skills: A case study of secondary level students in the context of District Shikarpur, Pune".What is an impact or say Role of Electronic Media on our lives? You know what? Above case study had been done the student studying in Secondary Level. Yeah! It is true.In fact, among the many language learning sources, media (print or electronic) plays an important role in improving one's language standards. Some of the important media instruments that help in learning a language are - newspapers, magazines, television, radio and the Internet. These have revolutionized the world of communication, whose main tool is language. Hence, these media instruments, though used for gaining information, also have evolved as language promoters/resources, thus playing an important role in helping learn a language. Let us now learn how each media tool helps in learning a new language. If we talk with Television, no doubt it  exposes you to various fields such as news, politics, real stories, science, entertainment, etc. Each of these needs language to express the content. Hence, by watching television you will be learning various applications of the language. Since TV has both audio and video, if you are unable to understand any word or sentence in the language, you can infer its meaning by the visuals.One of the most beloved electronic media is Internet. Yeah! The Internet gives access to unlimited information on any given topic. Hence, by browsing the Internet, you can learn any aspect of language you wish. Moreover, it also provides tools for interactive learning which eases the process of learning further. Internet is also a great source of learning a new language. It consists of the most renowned language books that give you easy access to the high level literature of the language. The flexibility and ease of using the Internet has made it one of the most entertaining and fun ways of learning a language.It is true that Electronic media plays an important role in helping people learn a new language. Hence, by making use of the electronic media, one can learn the right application of the language in real situations.Article Source :Why English-language Channels are Growing [...]

Job Future in 2014


"Destiny is not a matter of chance; it is a matter of choice. It is not a thing to be waited for; it is a thing to be achieved." These lines by William J. Bryan truly hold their significance in today's 'recruitment' scenario.It is true that recession has come to India with high heat. Inflation is at an all-time high in India. Prices are going up, and salaries are taking a major hit. There are no jobs in the market.On the other hand, India’s short-term debt maturing within a year stood at $172 billion end-March 2013. This means the India will have to pay back $172 billion by March 31, 2014.Some days back I overcome a article that Campus hiring to slow down in 2014. It is well-said by Deepali Singh, business head, that the uncertain economic conditions will continue to manifest themselves through a weaker demand for students in campus hiring. In fact, There will be an overall decline in campus hiring in 2014 and fewer students are expected to get employment right from the campuses next year, according to a survey released Tuesday.Even though in today's recession in India, there is a good news that boosts the morale of every employee who is working in private sector. Yeah! It is proposed that the 2014 Global Financial Development Report (GFDR), finance can boost job creation, reduce vulnerability to shocks and GFDR can have a more central focus on capital market development issues.If we look at the Global Employment Trend in 2013, Unemployment is on the rise again, as job creation slows across most regions. The rise in estimated global unemployment by 4.2  million in 2012 is one of the largest increases since the early 2000s, excluding the immediate crisis years. Reaching 197.3  million jobseekers in 2012, the number of unemployed is expected to rise further by about 5.1 million in 2013 and by 2.9 million in 2014 in the ILO’s baseline projection, which assumes effective policy action in the United States to avoid a sharp reduction in fiscal expenditures and successful resolution of the debt ceiling discussions and no intensification of the Euro area sovereign debt and banking crisis.The economic slowdown is no longer a mere conversational statistic. The jobs squeeze. It is now hitting the middle class where it hurts most: In jobs. Two surveys, conducted by apex industry chambers FICCI and ASSOCHAM, released in the first week of September, confirm what head hunters and job portals have noticed for months: India Inc's pessimism about its business prospects, evident now for more than a year, has finally translated into a cut in hiring. So, stay tuned with current jobs in the private sectors till the election of 2014. Do you find any other options?Article Source:Campus hiring to slow down in 2014GFDR 2014: Financial InclusionGlobal Employment Trend in 2013The Job Squeeze[...]

To Vote or Not To Vote : EVM-A Controversy in India


Is 'not to vote' a fundamental right of the citizen? In other words, can I or you prefer 'not to vote' in an election, and record this fact in front of the Presiding Officer, if we are not satisfied with the available choices of candidates on the EVM (Electronic Voting Machine)?Well, even if there is no such provision exist anywhere in the Constitution of India, Rule 49 O of the Conduct of Election Rules, 1961 confers upon the voters, an option to NOT TO VOTE, if they wish so, and record this fact in the register of voters (with the Presiding Officer) so that no election fraud or misuse of voting takes place on that person's name later that day. But how many of us are aware about the existence of Rule 49 O?Now look at the incidences recently happened. An American computer scientist, J Alex Halderman, who had co-authored a study titled "India's EVMs are vulnerable to fraud", was not allowed to enter the country after landing at the Indira Gandhi International (IGI) Airport here on Sunday evening. Airport sources said he would be deported, but offered no reason for the action. Why? It is the big question that Central Government need to explain as they exercising power or authority in the Indian Democracy. allowfullscreen="" frameborder="0" height="350" src="//" width="430">For the instance, if we look at this title "India's EVMs are Vulnerable to Fraud". I don't think any sort of explanation need to explore here with. On the other hand, when Congress lost in Orissa they say EVM was tampered. Where is the transparency of Congress Government? Now, Congress threatened us if we speak about EVM's and deny that evm's can be tampered. How many of us clearly known to the fact of Right to Reject is section 49 O? So what is the Rule 49 O says? What do you think about it? To Vote OR Not To Vote? Article Source : 1. US prof behind EVM study deported on arrival2. Rule 49 O of the Conduct of Election Rules 19613. Press Note : Rule 49 O[...]

SBI wins Global Performance Excellece Award 2013


SBI Life Insurance, the most trusted and preferred life insurer, recently won the Global Performance Excellence Award (GPEA) 2013 by Asia Pacific Quality Organization's (APQO) under Large Service Organizations category. The award was presented at the 19th APQO / International Conference on Quality at Bali, Indonesia.

SBI Life Insurance is the only organization from India to have own the World Class Award in Large Service category. SBI Life has achieved a unique distinction by featuring amongst the nine organizations selected across six Asian and Pacific Rim Countries to be recognized as exemplary companies of world class quality performance. Modeled after the U.S. Malcom Baldrige National Quality Award, the award is presented to organization which demonstrate robust quality focus encompassing overall business excellence.

The Global Performance Excellence Award (GPEA) is administrated by the Asia Pacific Quality Organization (APQO), a non-profit organization that serves as an umbrella group to bring together the leading quality professional societies from countries that border on the Pacific Ocean or are considered Asian or Pacific Rim nations. The governing body of APQO includes representatives from Australia, Azerbaijan, Canada, Chile, China, India, Indonesia, Kazakhstan, Korea, Malaysia, Mexico, Nepal, New Zealand, Pakistan, Phillippines, Singapore, Sri Lanka, Thailand, Turkey, United States of America, United Arab Emirates, Republic of Uzbekistan and Vietnam.

Woman grew a beard after her first pregnancy


Indonesian Agustina Dorman, who began sprouting thick facial hair for 13 years following birth of her first child. She first noticed growth when she was 25. Ever since she has hidden her face under a hijab whenever outside in Penaga village, Indonesia. Whenever she attempted to cut or shave it she experienced unbearable pain.

Her eldest child began to receive taunts from others who found out about her condition. It led to her confronting her children's tormentors by unveiling herself. She hopes that through education about her condition, people will accept her.

Article Source : Indonesia woman spends 13 years hiding behind a head scarf because she grew a beard after birth of her first child

How to Shave Properly


Men go through a bizarre routine at various times of the week... Shaving! They start this complex and intimate process by scalding their face with hot water to open up the skin's pores. Then they cover their face with thick foam. Finally they scrape their face with a sharp blade to remove the unwanted hair. While this is a necessary routine for most men, the typical shaving foam they are using is full of chemicals and is not particularly good for their face.  

All we know that how to shave? Learning how to shave can be a valuable skill to learn in your life. In fact, shaving is one of the most common and, by far, the most convenient method of hair removal for men and women alike. While there are many different skin areas to shave, a wide variety of implements to use and a great selection of methods to try, there are a few basic rules that everyone should follow when shaving.

There are 5 ways to shave but if you use following steps to shave; I think it will gives you a rich experience.
  • Rinse the area with warm water, then press a warm washcloth against it for a minute or two (to help soften up hairs to be shaved).
  •  Shave with short strokes in the direction of hair growth (not against the grain); don’t pull the skin and make sure to use a sharp razor every time.
  •  Aftershaves are okay to use (unless they cause a burning or tingling sensation that’s too uncomfortable); you can also try a moisturizer instead.
  •  If you experience razor burns (tiny bumps of inflammation), you may want a lotion like bacitracin (or another antibiotic lotion clindamyacin) to ease inflammation.
I think this preparation will help you to glide smoothly and slice the whisker instead of dragging and pulling at them. This reduces redness and irritation.

Get Your Loans Here


All we know that acts of lending money are loans. Technically, it is "a contractual promise of a debtor to repay a sum of money in exchange for the promise of a creditor to give another sum of money." It is true if we look at above explanation. But who will give you such things when you are in economical crisis?

Here I would like to offer a word called “First Amerigo”. Yeah! It is the instant and number one loan consulting institution to offer personal loans in America.

I know that to arrange temporary provision of money is quite difficult for everyone. Naturally, everyone run behind personal loan. The truth is that no one could conceive of about the prospective occurrences. I think “First Amerigo” is one of the best reservoir and solution to repay the disbursements.

Guys if you are looking for the personal loan then there is simple method and procedure to have your needs in your hands from this number one institution. So, go ahead and get your needs at First Amerigo.

Interesting facts about Mona Lisa art piece


Mona Lisa is perhaps the most popular and talked about art piece in the world. Painted by the most celebrated painter, Leonardo Da Vinci, this painting has been a matter of interest for many.

Here I will disclose some interesting facts about this mysterious painting.

The name of the painting, Mona Lisa was the result of a spelling error! The original name of the painting was Monna Lisa. Monna is Italian is a short form of Madonna, meaning 'My Lady'.

The identity of the woman in the painting is a mystery. Some believe that it is the female form of Leonardo Da Vinci. Most popular belief is that the woman was Lisa Gherardini, who was 24-years-old and a mother of two sons.

The painting has an imperfection. In 1956, a man named Ugo Ungaza threw a stone at the painting. This resulted in a small patch of damaged paint next to her left elbow.

The painting is considered priceless and so it cannot be insured.

The painting in the Louvre has a room of its own. It is protected in a climate controlled environment. 

Max Life Recreates Pension Planning


Max Life Insurance announced the launch of the 'Max Life Forever Young Pension Plan' and 'Max Life Guaranteed Life Time Income Plan' - a unique pension planning solution, with features based on extensive consumer research. This solution ensures a carefree and financially-secured retirement for an individual and the spouse.

Speaking at the launch, Mr. Rajesh Sud, CEO & Managing Director, Max Life Insurance, said,"In a proprietary study conducted by us, we unearthed an unaddressed consumer need that planning for retirement is complete only if the pension solution caters to the need of self and spouse. Additionally, the research also revealed that the consumer is concerned about the impact of inflation on retirement corpus.

Through these products, we have tried to address these needs by introducing features like 'Max Life Partner Care Rider' and the 'Save More Tomorrow Option'.

Max Life Forever Young Pension Plan offers two fund options - Maximizer (maximum investment in equity up to 60%) and Preserver (maximum investment in equity up to 35%) 

Max Life Guaranteed Life Time Income Plan offers four annuity options with combinations of single or joint life pension and with or without Return of Premium.

Aquarium : The Way Of Wealth Creation


Yeah! It is always good to add an aquarium to obtain wealth and abundance. Having a fish tank can help increase positive waves in your life. Aquariums are auspicious because they present a harmonious combination of wealth

Fish - the most common symbol for wealth. A well-positioned aquarium can bring an abundance of energy into your home. Fish also have a strong reproductive function, so they symbolize fertility. These aquatic creatures swim happily in the water, and thus are a symbol of happiness and harmony in a couple.

Fish also drive away misfortune, as it's one of the good signs in the Buddha's footprint. The image of a pair of fish is often embroidered on curtains, cushions, linen, and clothes. This amulet has a strong protective energy.

Even Goldfish can often be seen in ponds and aquariums, as they bring good energy. Goldfish represent double joy, Goldfish symbolizes success in financial affairs, and it is well suited for the zone of wealth.

Fish aquariums are wonderful for wealth creation. Keep the water clean and aerated and choose active, lively and healthy fish. Also, make sure that they are strong swimmers as their constant movement keeps wealth energy flowing into your life. Moreover, an attractive aquarium will have a soothing effect on everyone and they will become favorably disposed towards you. So bring a fish aquarium at your home to get better benefits.

Fulfill Your Needs With Unsecured Personal Loans


I know that many of us could not able to successful to get No Credit Check Loans. But today here you can receive approval instantly. It is one of the examples of this institution that you can get No Credit Check Loans, where loaners refuse to acknowledge the credit history of the applicant.

All we know that the people, who have a fixed monthly salary, divide their income in various expense sections made by them. Each household has its own fixed and variable expenses. They do keep some expenses as miscellaneous and spend it as and when there is a need. This amount is although not so high that it can cover sudden high expenses. These emergency situations sometimes need to be tackled with immediately. There are many options which you can choose from to get Unsecured Personal Loans in such a situation.

(image) Here Bad Credit Personal Loans is the term that relates to personal loans for people with bad credit. Here you can apply, borrow and compare the best unsecured personal loans to fulfill your needs. You just can’t imagine that you can get such loans from $500 to $25000. It’s my suggestion to all that do not place any kind of application with just any website. Because most beloved security maintained only at this place.

Credibility and You


No matter what industry you work in, one thing remains the same, every employer wants the best employees who are trustworthy and valuable. With every relationship, whether it be personal or professional, gaining trust and credibility in others is crucial for the relationship to grow and be successful and happy.In the workplace, consistency in your behavior and productivity are the keys to becoming more credible and valuable.So how do you achieve this?01. Keep your word02. Take ownership for the good and the bad03. Document and present your achievements04. Do you keep a log of all your achievements at work? If not, start now!05. Ensure you capture the following information (at a minimum):06. Inspiring Trust in Others07. Ensure that you build credibility on firm foundations.Think about a time when you worked under a leader who had credibility. Chances are that she energized and excited her entire team. You knew that she would do the right things for the right reasons, and you trusted her judgment.Credible leaders attract enthusiastic and committed followers, and people want to work for them. But credibility is important in many areas, not just in leadership roles.For instance, sales professionals need credibility to be successful – people do not want to buy from someone they don't trust, or from a person who doesn't know about his product.You also need credibility when you give presentations, deliver training, and sell your ideas. It is the reason why being credible is so important for a successful career.People trust what they can see. When you're open and honest, others don't have to guess what your motivations or intentions are.Keep this in mind when you interact with your clients, team, or suppliers. You inspire trust when you talk openly about your intentions, values, and goals.Come to work well-dressed. It might seem like a small matter, but how you present yourself says a lot about who you are and how you feel about yourself. When you dress in a professional and appropriate manner, you'll likely find that your self-confidence and self-respect get a boost as well.[...]

Bad Credit Loans : Get The Loan You Need


All we know that there are many routes of communications that one can go through to get Bad Credit Loans. In fact all we know that the meaning of bad credit. In simple way it is the cautionary sign from lenders to refuse a loan what you expected.But here just remember one word “CashInAFlash”. Yeah! Here are now specialized lenders who will give loans to people with a bad credit record. Keep in mind one thing here is that lenders who approve bad credit loans are taking on an unnecessary risk. The fact is that taking up money and accessing credit is not cheap now days but here this place will surely help you out.It is just a simple online form to get the loan you need. All you perpetually make sure that you are fully aware of your own financial situation, your earnings, your expenditure and exactly whether you can afford to take up money, before you go ahead and commit to any loan or type of credit. Just hang up here to get your answers.I would like to explore one word about payday loan. Yeah! Pay day loans are a specialized type of loans that are offered by special financial institutions to help you out to carry off your emergency cash demands. Here is the way you can also fulfill your needs with comfort.To get bad credit loans and payday loan there are countless choices likewise when it comes to Automatic Electric Gate. In normal case you need to exercise your free will while picking out ‘the best Automatic Electric Gate’. You know what? These Automatic Electric Gates have been designed in such a way that they fulfill your needs with taking care off the weight of your wallet. Yeah! If you are looking for aestheticism and convenience then it is worth to go with. Just keep in mind you are not going to buy just a security gate but also an experience of 30 years in the gate industry to make you convenient and secure from their elegant standard designs that surely fascinates you.[...]

Credit Card : Use Wisely


Yeah! It is a powerful plastic card with you as you go for shopping at your favorites stores in town would be one of the most convenient ways for you to buy stuff, you should also remember that convenience may not always be the issue. In fact, it is very easy to get into credit card debt, but consolidating a huge balance is not a child's play. Many people have no idea how to approach credit card consolidation and what options there are available for them. I know that finance may not be your strong point. But if you have got yourself a credit card or planning to apply for one then it is important to understand few things about it.Your past will surely come to bite you when int comes to the credit card records. It is important that you have a clean chit when it comes to past financial transactions. Pay your bills or EMI on time. If you own a credit card do not delay in the payment as much as possible.It's wise to check your credit profile each year to make sure there are no errors in your file that could compromise your creditworthiness.Your credit score may influence the interest rate that you pay and help determine whether the lenders consider you a good candidate for a loan. Obtaining your credit score may cost a small fee, but it may be worthwhile if you are considering financing a major purchase such as home or car.Age plays a major role in your available loan tenure especially if you are closer to your retirement which is typically assumed to be 60 to 65 years. You can apply with your son or daughter as a co-applicant which will help you increase your loan eligibility and tenure.Banks plays an important role for your employment and job stability. constant job shifts may affect worthiness. if one company declines you a credit card then you can approach another one since different companies take different factors into account when deciding whether to grant credit or not. If you are turned down by the credit bureau of information, contact the bureau for advice in terms of what action needs to be initiated.Under the National Credit Act, credit card companies, will look for your disposable income instead of your disposable income instead of your earnings to decide about your eligibility. Disposable income is the amount of money left after all your expenses have been paid.[...]