Finance 

Home Loan Eligibility Criteria in India

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Are you planning to get a new home? Are you looking for the best home loan options in India? Well, if you’re getting a home for the first time, there are a few things which you must know. First and foremost, you need to understand whether or not you are eligible for a home loan.

In the following paragraphs, we have described the home loan eligibility criteria in India for all reputed Indian banks.

To be eligible for a home loan in India, you will have to be either of the following:

  • A salaried individual
  • A self-employed individual
  • A professional

As it is obvious, you need to have a regular source of income in order to be eligible for a home loan in India. The reason behind this is simple. The lender expects the borrower to repay the loan. When the borrower is an earning individual, the person can return the money. The risk of lending money to an earning individual is very less compared to the risk of lending money to someone who doesn’t have a regular flow of income.

With that, let’s now take a closer look at the eligibility criteria categories.

  1. Salaried Individuals

If you fall under this category, you are either a Government employee or an employee of a private organisation. To get a home loan under this category, you will have to submit documents such as your bank details and salary slips.

  1. Professionals

Professionals such as engineers, doctors, architects, charted accountants have a regular income. They are eligible for home loans.

  1. Self Employed

Under this category, you need to have a well-established business to get a home loan. You’ll have to show your regular income tax returns to get approval for the loan.

Other than these three criteria, there are other for factors too which make you eligible for getting a home loan. Here are some of these factors:

Income – Your income is a major factor that decides the loan amount you’re eligible for.

Interest rates – Loan eligibility is inversely proportionate to the interest rate. If your interest rate is low, your loan eligibility will be high and vice-versa.

Credit history – Before banks offer you a loan, they make sure to check your credit history from CIBIL. If your credit report is good enough, you may get approval for the loan. If not, you’ll have to work on improving your credit score.

Age – The loan applicant must be at least 24 years old when applying for the loan and must not be more than 65 years at the time of maturity.

Final words

Getting a home loan in India can be tough. However, there are options like the Pradhan Mantri Awas Yojana scheme under which you can get subsidy on your home loan amount. That makes it easier for getting quick loans as Banks are assured of getting the loan amount back.

So, if you are looking for home loans in India, choose whichever bank you want but make sure to check out the Pradhan Mantri Awas Yojana scheme. Trust me, you’ll find it worth it.

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Food Health & Fitness 

What I Loved About The Low Residue Diet

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I was dealing with some intestinal problems some months back and after consulting with my doctor, I switched from a high protein diet to a low residue diet. Basically, I was not eating any kind of refined items before but because of this issue in my intestine doctor advised me to go for a “Diet with low residue content” or you can say a diet with little or less fiber content. 

If you have no idea about this diet plan then let me tell you that a low residue diet is advised by your doctor in some special cases like you have some intestinal problems, colon disease, or any kind of stomach surgery. You cannot follow this diet on your own, you need a consultation from your doctor prior to including this diet plan for some time. Most importantly you cannot follow this diet for a very long time, this is a temporary diet plan and reducing fiber from your diet permanently for a lifetime can be very harmful to your body, even if you are doing it for some time ask your doctor first and let him examine you.

Coming back to my experience on this diet plan, Following a High fiber and High Protein diet from months, I was not eating any kind of refined products even though I lost my appetite for eating this kind of stuff. But when I started a low residue diet, I wasn’t allowed to consume more fiber and protein as it can hamper the intestinal problem. So, while following this low fiber diet, I got many delicious choices of food to choose from. 

While following this diet you can have access to many of your favorite food items like Pasta, Noodles, Chicken, Sausages, Meat, and many more delicious dishes. Eating a lot of greens, lentils, boiled foods for a long time, I really desired to eat something new and something more delicious and when my doctor advised me to switch my diet for some time, I got a little worried at first as consuming these no refined products from a very long time has reduced my cravings for any other food items but after sometime when I realized that I had to deal with this thing for some time, I started following a low residue diet and now it’s been almost a month on this diet.

I ate all those food items like meatballs, chicken curry, white rice instead of brown rice, noodles and tried some exotic drinks during this time period. This is what I liked about this diet that I can eat all the no refined products as well that are extremely delicious. Even if you are a person having a fixed routine and a very strict and rigid diet, I bet no one can deny eating something delicious which fills our hearts with joy. Some things happened to me and I enjoyed eating some very finger-licking flavourful dishes.

Now that I feel a little better my doctor advised me to start including fiber in your diet gradually and increase it slowly with time. Do not hurry and give your body a shock by including it rapidly. This is yet another thing that you need to have in your mind while following this diet plan. So if you are dealing with some kind of issue in your stomach go and consult your doctor and always eat healthy in the long term if you want to maintain a fit mind and body.

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Gaming 

Video Games And Teenage Social Life

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The impact of video games on teenagers has always been a hot topic to discuss. There are a lot of things that many adults don’t like about video games. While there certainly are things to be worried about when it comes to the life of your teenage kid, just make sure that you know the various aspects of gaming and then decide if it is a good idea to keep your kid away from video games. With that being said, let’s talk about teenage gamers and their social life? To bring across the points clearly, I’ve done some research and found the things that define the social life of teenage video gamers.

Engage in online communities

One of the things that I’ve found about gamers is that they like to stay in the know. There are various platforms on the internet where gamers get together to share their love for the game. Gaming chatrooms are the best place for gamers to come and chat about the games they like to play and the tricks and tactics related to the game. It is a great way to socialize online and find people who are passionate about the same thing.

Enhance social skills

Online video gaming is about social skills and team coordination. Online gamers have to interact with each other constantly. This makes their communication skills better. Sometimes they have to work in a team to win a game. This makes them great team players which is a fundamental social skill.

Make new friends

There are various online platforms where gamers can play with people from any part of the world. These online platforms help them make new friends and interact with new people every day. These new connections that they make on gaming platforms can help them establish their network which they can use at one point of time in the future.

Never feel lonely

In online games, there is always someone you can reach out to. Gamers do not feel much lonely because they always have people who share their passion. This is one of the best things about online video gaming.

Always be excited

Video gaming is really exciting. I’m not saying this because I’m a gamer myself. I’m saying this because this is what everyone who plays feels about it. There are days when I’m travelling and I do not find access to the internet. I play offline war games on days like these. The point I’m trying to make here is that video gaming can make your life so exciting that you’ll want to play it every day to keep the excitement going. I play offline war games and I must say that I like playing these games as much as I like online war games.

Those were some of the things that define video gaming for teenagers. Hope you found this post helpful. Do you have any suggestions or questions you want to ask? Please let us know in the comment section below. Thank you very much for reading.

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Beauty 

How I Lost My Face Fat?

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Most of us are facing the same kind of problem of having excess face fat which hides our beautiful jawline. Like all, I also needed a perfectly chiseled jawline to look more attractive and young. I started searching for remedies and tricks to lose my face fat within some time effectively but nothing worked really well for me. I ended up on a website https://thejawline.net, where is found articles specially dedicated to the jawline. I learned many things from this website and tried the simple yet effective tips from them.

This website is providing information on the jawline and its treatment, you will get everything related to jawline here in one place. I tried their routine for almost 2 months and now my jawline is in better shape as compared to my 2 months old face. 

What Did I do?

Well, I did things as mentioned on that website and let me tell you some basic things that helped me out and it might help you out as well.

Diet For Fat Loss

I am on a calorie deficit diet for the past two months and eating the right kind of food for the last two months. Not only exercise, diet plays a very important role when it comes to losing fat from your overall body.

Chewing gum

I chewed chewing every day for almost 20 minutes and exercised my jawline muscles through this exercise. This is really effective as y appetite was also affected by chewing gum regularly and almost 10% of my food intake was decreased just by chewing gum.

Fish Face Exercise

I did fish face exercise as well with the chewing gum exercise to gain 20-30 minutes per day. It is a really simple task to do and you can do it any time of the day when you are free. 

Exercising At The Gym

As advised by the website to do some kind of physical training, I joined a fitness center and exercised my body muscles for better fat loss results. I burned calories from here and restricted my calorie with my diet.

Cut On Carbs and Sugar Products

I am not consuming any type of refined carbs or sugar products from the past 2 months and consuming more fiber and high protein products which resulted in a reduced appetite and low-calorie consumption in the overall day. Processed foods are high in calories and sugar content which forms a layer on your body. To cut that layer you need to restrict their consumption.

Water To Stay Hydrated

Increased my water consumption which helped in flushing out the harmful toxins from the body. Water helps you to stay hydrated and your muscles work well in the presence of water.

This is what I have been doing from the last two months and fortunately, It worked for me and I got what I always wanted – A Sharp and Strong Jawline. Not only this the body fat percentage of my body also reduces to a certain level and I feel very stress-free every time now. The jawline has helped me very much in getting this shape of my body and I will be following the above routine to retain this shape and look attractive all the time.

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Travel 

Top 10 Places To Visit In Finland

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Finland is one of the most beautiful countries in Europe. Located in Northern Europe, Finland is mainly known for its tourist attractions. Besides the beautiful capital city Helsinki, Finland has a lot of other wonderful places you are probably not aware of. Here are the top 10 places to visit in Finland which makes Finland tourism one of the best in the world.

1. Lapland

Lapland is one of the top travel destinations for nature lovers from all over the world. The wilderness of Lapland is the perfect place for adventure lovers. Among the many activities that you can do in Lapland are snowshoeing, snow jet skiing and ice bathing. Another activity that has to be on your list when you are in Lapland is to view the Northern lights. This is something which you really cannot miss. The best time of the year to view this amazing phenomenon is from August to April. Lapland is also known for being the home to St.Nicholas or Santa Claus. The Santa Claus village in Rovaniemi, the capital of Lapland is quite an attraction. This should give you another reason to visit this place.

2. Savonlinna

This is an ancient town known for its cultural and historical heritage. The town is located near Lake Saimaa. This is a great place to explore the infinite waterways of Eastern Finland. 

3. Mariehamn

This is the capital of the autonomous region of Aland. It is great for exploring the islands present here and get a glimpse of their unspoilt natural beauty.

4. Salla

One of the most well-known winter activities in Finland is experiencing sauna in the region of Salla. The amazing thing about the sauna experience here is that after you experience the sauna heat, you can go for swimming into the ice-cold water.

5. Vaasa

The astonishing fact about Vassa is that this place was completely burned down in the year 1852. The old ruins of this place are now open for exploration as part of a National Park. There is also a crater here by the name Söderfjärden which was created by a meteor millions of years ago.

6. Oulu

The best time to visit this place is winter. A lot of tourists come here every year to view the incredible Northern lights. Visit findtimings.com to know the visiting hours of famous tourist destinations all over the world.

7. Turku

Known to be the oldest city in Finland, Turku presents itself as a window to the rich culture, tradition and history of Finland.

8. Helsinki

Helsinki is the capital city of Finland. The best time to visit this place is during the summer. This city makes you feel closer to nature and there is so much to do here that you will love it. Surrounded by green parks and beautiful islands, the city has enough of them to keep you refreshed.

9. Finnish Lakeland

Finnish Lakeland is the largest lake district in Europe. Stretched over this beautiful expanse is a labyrinth of islands, lakes, rivers and canals.

10. Porvoo

This is the second oldest town in Finland. The town is particularly well known for its wooden buildings. It has been around for a long time, 13th century to be specific. However, most of the buildings seen today date back to the 19th century. Besides the restaurants and cafes, the town has a National Urban Park. All in all, this town is a delight for any visitor.

With its incredible scenery, unspoiled natural beauty and abundance of wildlife, Finland can be any nature lover’s dream destination. From viewing the amazing northern lights to getting involved in fun activities like fishing, swimming and snowshoeing, there is so much to do in Finland. Besides, you also get to experience the nightlife here in bars, clubs and lounges in Central Levi. Finland tourism is growing by leaps and bounds and now you know the reason for the same. So, next time you think of taking a vacation, you know where you need to head to.

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Information 

Advantages/Disadvantages Of Aadhar Card

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Everything comes with some advantages and some disadvantages none of the things are fully perfect. Aadhaar card introduced by the government has many advantages in providing benefits to the people through various schemes launched by the central government but many of the schemes mentioned by the government as not at easy to understand and people are still not aware of how to utilize those schemes for their welfare. As you all must know that aadhaar card is a mandatory document for all the residents of India which provides their identity proof to various authorities. But sometimes it can be used for some spam purposes also. Let’s discuss some advantages and disadvantages of Aadhaar Card.

 

Advantages Of Having Aadhaar Card

 

Jan-Dhan Yojana Bank Accounts

Aadhaar is needed to open a bank account under Jan Dhan Yojana’s system or otherwise. Under Jan Dhan Yojana’s bank account arrives with excellent advantages such as Zero Balance unit, Rupay Card, Accidental Insurance, and many more.

DBS or Direct Benefit Transfer 

An individual requires to connect the 12-digit Aadhaar amount with the bank account & the associated system to get the government grant passed straight to his / her account. Similarly, for the LPG subsidy to be credited to the bank account, the Aadhaar number must be linked to the PAHAL scheme and also to the bank account.

Provident Scheme And Monthly Pension

An individual requires to connect the Aadhaar with their corresponding Pension or PF account to get the Pension & Provident fund quantity assigned to their corresponding bank account.

Passport And other government documents

Also linked to aadhar card is Passport & Voter Id cards. This will speed up the procedure for obtaining the Passport and eliminate the fake voters once they are linked to voting ID cards. Linking of PAN cards is now made compulsory for all and if you fail in doing so your PAN card would become useless.

 

Disadvantages Of Having Aadhaar Card

 

Banking Abuse Details/Transactions

If Aadhaar is leaked or misused, this can contribute to severe issues for bank account owners, ATM & Credit Card owners & Online Banking Customers as well. There is a rare chance of this condition but still, it can be possible as the bank holders have all your details with them.

Foreign Management

Since Aadhaar information is retained by private firms, they can use this information to enjoy the R&D conditions of overseas firms. This will result in data erosion for overseas businesses and thus jeopardize individual privacy.

Uneasy For Using

Since more than 30% of the country’s population is uneducated as they can not realize how to operate, where and with whom to function. There are also some rural regions where this facility has not yet been reached; there are still no advantages connected with Aadhaar for the individuals from these regions.

Despite having some disadvantages also this is a compulsory document for all the citizens of India to prove their nationality. Whenever something new comes to the market it takes some time for that particular thing to settle perfectly in a balanced way in the market. As it is a compulsion on everyone so it is better to have one rather than being deprived of every government facility and you still have no idea how could you get your aadhaar card you need to see these steps here aadharaapka.com to download it online within few minutes.

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Information 

A Brief On Aadhar Card

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Aadhaar card is a unique distinctive identification number of every individual resident of India which is used to prove his identity at places. Do not get confused between the Aadhaar card and E aadhaar card as they both are the same and serves the same purpose of proving your identity to other people. The only difference between these two is that the E Aadhaar card is the electronic or the digital version for your unique aadhaar card and it can save in your phone easily and most importantly you can download it any time as you wish. 

You can Get Your Eaadhar card online without going anywhere. Just download it from the official website of UIDAI. (https://uidai.gov.in)

Here mentioned below are some key points which might give you a piece of better information on what exactly is the use of your Aadhar card.

  • Aadhaar is an employee identification code given on behalf of the Government of India to people by the Unique Identification Authority of India (UIDAI) to establish the special status of each individual.
  • The Aadhar number will function anywhere in India as evidence of identity and email.
  • The project’s goal is to obtain biometric (picture, iris-scan, fingerprints) and resident population data (home address information), store them in a centralized database and issue to each resident a distinctive 12-digit identification code called Aadhaar.
  • Aadhaar is intended for the establishment of identities for people of any generation (including kids).
  • Aadhaar is for people, so each family member requires a distinct one.
  • Aadhaar is voluntary, and anyone interested in getting an Aadhaar card for themselves can register or request for an Aadhaar card.
  • Only one unique Aadhaar number and not multiple unique ID cards will be given to a person.
  • Aadhaar code is applicable for an individual’s entire lifetime and need not be altered or updated from time to time.
  • An individual can get free of charge his / her Aadhaar card.
  • It is possible to use the Aadhaar card when entering a bank account, registering for a passport, booking e-tickets and many other locations where identification is needed.
  • You can download your E Aadhaar card anywhere now and save it in a digital format for further uses.
  • The digital version of Aadhaar card is also applicable as a proof of identity and it can be shown to the concerned person asking for your identity proof.
  • E aadhar can be saved on your mobile phone digitally, and it comes with a unique password protection to ensure user’s identity security.
  • The information displayed on the aadhaar card is not shared with anyone by the government authority. Your details and identity are kept safe.

If you do not have an aadhar card you can enroll for aadhaar card from your nearest aadhaar center and you can “Get Your Eaadhar” online if you want from the official website of UIDAI. Just provide the required details like your aadhar number or your enrollment number and your mobile number, with all this information you will Get Your Eaadhar easily without any delay.

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Dating and relationship 

How To Tell If Someone Likes You

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Do you have that person in your life who is close to you and yet you’re not sure if he/she likes you? Maybe the person likes you but you are not aware of the signs. Well, in this article you are going to find out the various signs that could tell you if a person has fallen for you.

Does he/she like me?

This is a question that is intriguing and wishful at the same time. A lot of people don’t really understand if the other person has any kind of interest in them. This is sad as this could make you lose great relationship opportunities. In this article, you are going to learn about 5 ways to find out if someone likes you. These are mostly signs and traits of the person which you can note easily.

5 ways to know if someone likes you

1. Talks to you constantly

This is one of the most basic things that you can take as a hint that the person likes to spend time with you and maybe thinks of you as more than just a friend. A person talks more to someone whom they like and that could be mean something for you.

2. Positive body language

At times when you keep talking the person might just hear you out very quietly. It is at times like these when you need to observe the body language of the person. If they seem interested in your talk, you will notice it in their body language. This could be another hint that the person likes you. If you want questions to ask during conversations, you can take the help of this random question generator. This random question generator has a list of interesting questions that you can use to start conversations.

3. Asks for your phone number

While this one generally doesn’t count as a hint, if you find that the other person is asking for your phone number on the first date, it could mean something. Not everyone does that.

4. Laughs at your jokes

Having a good sense of humour can be really helpful in getting a person to like you. If you find the other person laughing at your jokes all the time, that could be a cue to go ahead for the next step.

5. Kissing you on the cheek

This is a sweet gesture that tells a lot about how the other person feels for you. When you find yourself in such a situation where the other person shows some love for you in any way, you could take it as an opportunity to reciprocate the love and make them realize that you too have feelings for that person. This is how you can get into a relationship.

Those were some of the signs that you should look out for when you are spending time with the person you think likes you. I hope you found this post useful and informative. If you have any queries or suggestions related to this post, please let me know in the comment section below. Thank you very much for reading!

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How to 

Quick Tips To Get Rid Of Boredom

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Getting bored with life and don’t know what to do? Well, life doesn’t have to be this boring when you know what to do and how to do it. Here are 10 things you can do to add a little more fun to your life and make your days more interesting.

What to do when you are bored?

1. Invite friends and have a party

There is nothing better than having a party when you have nothing to do and don’t want to go out. All you have to do is make some phone calls and arrange for some music.

2. Watch movies

Another way to get rid of boredom is to get a list of the best movies to watch and binge-watch all of them. All you have to do is decide which movies to watch. You can take the help of Telegram movie channels to get movie recommendations. Most Telegram movie channels are active and you can get recommendations from other members in the channel. Don’t forget to get some popcorns.

3. Make TikTok videos

When you do not want to watch movies or have a party, you can make videos for TikTok. This is something which you can do all by yourself. 

4. Play card games

Card games are one of the best things to play when you’re bored. All you have to do is call over some friends or gather your cousins together and start playing.

5. Travel

If you have the time and the passion to travel, you can never get bored. Travelling is one of the best ways to get rid of boredom and keep yourself happy. Go on a road trip with friends and you’ll be fine.

6. Play cricket

One of the best ways to kill time on Sundays is to go out and play cricket. You don’t have to get into a club to play cricket. You can enjoy the game with the kids in your locality.

7. Read 

Reading can be the best medicine for boredom. Just pick up a good book and start reading. You’ll find yourself engrossed in it within seconds.

8. Catch up with old friends

Friendship gets stronger as it grows older. But, it can also wear away a little if you don’t make the effort to revive it. Visit your friends or simply have a conversation with them on the phone. A simple thing as that can keep you happy and strengthen your bond of friendship.

9. Try new hobbies

If you really want to have a good time, just try a new hobby or get back to your old ones. It could be anything that you enjoyed doing in the past or it could be something new that you want to try out. Just do it if it makes you feel good.

Conclusion

Those were some of the things that you can try doing the next time you feel bored. Did you find something valuable from this post? Let us know your thoughts in the comment section.

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Digital 

How I made a $500 Passive Income in just 1 Month.

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Everyone wants a passive income throughout their life so that they do not have to depend on someone else for their living. Everywhere in this world, every other person is doing something to earn a passive income, they have been working very hard from months to earn money and this is known as hard-earned money. I also wanted to make a passive income for myself but I do not want to work under someone on a monthly fixed remuneration.

Somehow I got to know about the domain industry and I started taking an interest in this industry.  Reading news about new trends in the market, searching for tips and tricks on how to use domain and earn money from that, most of the time I used to watch videos of top domainers on YouTube to gain something important from them. I really enjoyed getting more and more involved in this field and it seemed really interesting to me.

After sometime I created an e-commerce website for myself and started selling shoes, shirts and other lifestyle accessories in it. But even after doing SEO (Search Engine Optimization) of my website I was not able to create that much traffic for my website. I created an Instagram and Facebook page to increase my web traffic and it actually helped me to some extent but still, I was not getting the desired results that I wanted. My website was not able to rank on the first page of Google rankings. It was indexed by Google but it was far behind in the rankings and this was the main reason behind low traffic and sale for my website.

One day I was just searching for some tricks to rank up my website and increase its traffic and suddenly I saw that you can increase your traffic by using PBNs. I was not at all aware of where can I find high-quality PBN for Sale. But, I searched for some hours and visited many websites and read about what are PBNs. PBN is the Private Blogging Network which is used to increase the domain authority of your website and to rank your website at the top of Google rankings. This is short information for everyone on what really PBNs are.

I purchased a PBN from a website and generally these PBNs are the expired or deleted domains and you have to register it for your use. I registered a PBN with a domain authority of 55 and trust flow of 36 and after reading how to use these PBNs to rank your website, I started making backlinks of my website and I listed those on my PBN and due to high domain authority and good referring domain score and backlink score I was able to rank with my PBN within some days. My website was listed on a high authority domain it increased the domain authority of my original website and suddenly after some time, I saw that I am ranking for my keywords on page 1.

Now I started getting more traffic on my website and my sales went up. Now I have three platforms which are interlinked to each other. My website, facebook page, Instagram page and all of them are getting a good amount of traffic and in the last quarter, I created an income of $1623 from all these platforms.

Now I am happy to see that my business is growing and I am getting what I wanted for a very long time.  On average I am getting a passive income of $500 every month and I am happy that I invested my time and money in this domain industry.

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