3 Factors That Determine Your Personal Loan Interest Rate
Personal loans are collateral-free loans, making them most people’s first choice when seeking finance from an external source. Apart from the ease, you can access a hefty amount to fund a range of personal loan for your personal need. However, being an unsecured loan, personal loan interest rates are relatively higher than those of secured loans. The interest rate on a personal loan depends on various factors. Firstly, it depends on the type of loan you choose, fixed or floating interest personal loan. Further, it alters based on how well you qualify for the loan as per the lender’s personal loan eligibility criteria. Typically, these criteria are based on your age, income, profession and credit score. But first, take a look at the ongoing personal loan interest rates in the country so that you can make a wise borrowing decision. Present Personal Loan Interest Rates in India Interest rates on loans are linked to the repo rate. An increase in the repo rate increases loan interest rates and vice versa. Recently, the RBI cut the repo rate by 25 bps for the third time this year, and currently, it stands at 5.75%. Further, the weighted average interest rate on loans rose from 10.38% in January to 10.42% in April, indicating negligible movement. However, experts opine that you can expect more rate cuts in the coming months as the RBI has moved from a neutral to accommodative monetary policy stance. Now that you know of the broader factors that affect your personal loan interest rate, take a look at 3 important factors that are specific to your financial profile. Your Credit Score Your credit score is a reflection of your creditworthiness and past repayment behavior. A good score of 750 and above implies that you have repaid all your past debts on time. Thus, lenders categorize you as a low-risk applicant and offer competitive interest rates on a personal loan. Conversely, a score lower than 750 shows that you carry some amount of risk. He ce, you may have to pay a higher interest rate or settle for a low loan amount. Your Income A high income means that you are capable of repaying the personal loan on time, and this reduces the lender’s risk. As a result, they are likely to charge you a lower personal loan interest rate. In contrast, if your income seems insufficient, you are more likely to default and may not have the resources to repay the loan in full. As this poses a high risk to the lender and it has no collateral to fall back on, you have to pay a greater amount as interest. Your Relationship With The Lender If you have an existing business relationship with your lender and have displayed responsible credit behavior, in the interest of retaining you as a customer, the lender may offer you a competitive interest rate. Now that you know the factors that determine your personal loan interest rate, work towards securing the loan on competitive terms. To ensure this, compare lenders and their offerings before applying for a personal loan in order to bag the best deal. For instance, genuine lenders like Bajaj Finance have simple personal loan eligibility criteria and minimum documentation so you can qualify for a loan easily. Once approved, you can access up to Rs.25 lakh personal loan at a nominal interest rate and repay it over a flexible tenor spanning 12 to 60 months. Further, you can avail this loan on a Flexi facility that lets you withdraw on the go and pay interest only on the amount utilized. Additionally, you can pay interest-only EMIs throughout the tenor and repay the principal only when the tenor is up. This way, you can manage your finances and save up to 45% on EMIs. To view tailor-made deals and avail an online personal loan in a single step, check your pre-approved personal loan offer from Bajaj Finserv right away. Read Also: Why Personal Lenders Like SkyCap Financial Provide A Better Lending Experience Lining Up For A Loan – How To Secure A Good Loan
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Clay Masks for Smooth and Shiny Face
This is a simple do it yourself oxygenated facial mask that has perfluorocarbons that can dissolve carbon dioxide resulting in a bubbly like soda water. The more you use the facial clay mask likely you are to experience favorable results. After using the mask, it is advisable to leave your face free from any cosmetics for at least for 2 to 3 hours as this might contaminate your cleansing process. The bubble clay mask is affordable and easy to use. It makes sure that you achieve an acne-free face that does not have blackheads and it helps unclog your pores. They help to remove excess sebum and oil on your skin and getting rid of the dirt that may have accumulated on your skin. You should go through the instruction box and make sure that the ingredients that are used in the facial mask are healthy for you to use and they do not have an allergic reaction on your face. Always make certain that you adhere to the estimated period that you should leave the mask on your face. The ingredients of the facial mask include; purified water, allantoin, disodium cocoamphodiacetate TEA-cocoyl glutamate, green tea extracts, rosemary leaf extracts, charcoal powder, collagen, glycerine, bentonite, methyl perfluorobutyl ether, lauramide DEA, Methylparaben, sodium lauryl sulfate, propylene glycol, phenoxyethanol, butylene glycol, freesia leaf extracts, flavouring agents, lavender extracts, xanthan gum, Monardadidyma leaf extracts, peppermint leaf extracts, and chamomile flower extracts. It is made of both natural and chemical ingredients. How to use an oxygenated bubble clay mask: Use a gentle cleanser to clean your face and hands. Rinse your face with lukewarm water. Pat your face with a clean facial towel. Apply the clay mask on your face as you gently massage in a circular motion. When applying, avoid your eyes, nostrils, mouth, and hairline. Leave the mask on your face to dry for a maximum of 15 minutes or as per instructed on the masks manual or when the bubbles start to appear. Take off the mask as you massage your face to make sure that the mask gets in contact with all your facial pores and to melt away dirt. Rinse your face with lukewarm water. Dry your face with a clean soft towel. Moisturize your face with a moisturizer of your choice. Your face is exfoliated and helps get rid of the dead skin, leaving your face feeling smooth. It also helps in tightening your pores by unplugging. This helps you prevent clogged pores as it controls the sebum on your skin. The mask leaves your face feeling youthful and you are in a relatively good and improved mood. It leaves your face feeling moisturized. You should always take care of the skin at least thrice a week. The bubble mask is one of the facial care masks that are found in the market. It is suitable for both men and women. Read Also: Expert Doctor’s Treatments For Cystic Acne 5 Most Exciting Facial Treatments Of 2018 – For Smooth, Gorgeous Skin
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How to Protect your Ideas
Now in the age of internet and boom of entrepreneurial spirit, people seek and brainstorm on ways to generate ideas. However, where the problem lies is that not everyone can brainstorm enough to create ideas, but they maraud around to still other people's ideas. Ideas are very expensive and if well-nurtured, they become a huge source of wealth, as a result, they should be protected as much as possible. Nicholai Tesla jumped to his death in sorrows. He made such a decision because Thomas Edison conned him, taking away his invention and getting the patent that should belong to Tesla. Nothing hurts more than seeing one's idea enrich another person while one wallows in abject poverty and dishonor. This is the reason one should follow the steps below on how to protect one's ideas. Don't Reveal too much of your Idea: The patent attorneys have warned most firm owners and starters to be wary of revealing too much about their firm to other people. This might sound difficult, especially when you need the help of people around you to win their conviction to assist you. But it is better to be patient than seeing your idea fatten an individual who will watch you die. Once you tell them little about it, they will help if they so wish. Use Non-Disclosure Agreement (NDA): The problem about signing this with investors is that they leave you as soon as you reveal your intention on having an NDA signed. Best patent attorneys around the world have recommended that you sign a confidentiality document in print. This might be helpful if an investor doesn't want to sign an NDA with you. Patent your Ideas: Though a patent might be quite costly to come by, best patent attorneys have recommended provisional patent to startups. The provisional patent expires after twelve months and there is no way you can extend it, except you want to opt-in for a patent. While it might cost a lot of money to patent your idea, litigation is costly and you might not even end up winning. This is why most patent attorneys recommend that you patent to protect your idea. Do Necessary Research: Sometimes, it is necessary to go for relevant research before venturing into business with a contractor, a client or a potential investor. The best patent attorneys have advised that idea owners should seek information as regards investors' previous disputes with other business owners. Document Everything: While you might be eager to rush things or your investor might hurry you, you still have to ensure that you document detail and stage of your activities. This will provide you enough evidence whenever you need it. This is in line with the recommendations of most of the best patent attorneys, documentation is protection. Although it is cool to protect your idea, you don't have to be too overprotective. This consequence of overprotectiveness is that your idea might not worth a penny yet, but you would not know. It might only need a little suggestion from someone before it becomes the golden idea you wanted it to be. So it is good to apply your wit when matters of sharing or revealing your ideas come up. Read Also: Evolution Of The U.S. Patent System The Basics Of Criminal Appeals Law
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How to Choose a Mattress – 6 Top Tips
Your mattress: Without a doubt, it’s one of the most important things you own. Without a comfy place to rest, your body feels stiff and sore, your mood suffers, and your mind is nowhere near its best. The good news is that choosing the perfect mattress doesn’t have to be difficult and these days, there are great mattresses available for just about every budget. Ready to shop? Arm yourself with our mattress buying tips and you’ll find that it’s far easier to find a bed that’s just right. 1. Consider your sleeping position and size: Do you sleep on your back, or are you more of a side sleeper? Believe it or not, the way a mattress feels has a lot to do with your body position. For example, you’ll probably prefer a firmer mattress if you sleep on your back or your stomach. If you’re a side sleeper, something a touch softer is likely to feel better. Many manufacturers recommend different models for different sleeping positions and more than a few offer mattresses with sides customized to fit two individuals with different preferences so nobody has to compromise. Your body weight has an impact on the way your bed feels, too. In general, the heavier you are, the more likely you are to enjoy a medium-firm to a firm mattress. Slim and/or muscular individuals often find that they feel best on softer mattresses. These preferences definitely don’t apply to everyone but you might find it helpful to look a little outside your usual comfort zone. 2. Read reviews: Whether you’re planning to visit traditional furniture stores or shop for a mattress online, you’ll find that reviews can help you decide which brands and models to focus on and which ones are best to avoid. When reading reviews, keep in mind that no single mattress is ideal for every person; for example, someone who loves the feel of a firm mattress will probably give a soft one a lower rating and vice versa. The best mattress reviews contain plenty of details about everything from the quality of the materials to the way the mattress feels and performs. It’s true that reading takes some time but this is one of the best ways to create a shortlist of mattresses that are likely to meet your criteria. 3. Look for a reasonable trial period: If you’ve ever found yourself searching a traditional store for the most comfortable mattress, you know just how awkward it can feel to test different models right there and then. You’re probably wearing your shoes, you’re not in your favorite comfy PJs, you don’t have your special pillow, and the list goes on. Luckily, mattress manufacturers have come to realize that the old-fashioned method for choosing the best mattress just doesn’t work. That’s why many now offer trial periods that give you the opportunity to actually sleep on the mattress at home, let your body get used to the new sleeping surface (yes, this is a thing!) and return the mattress if it doesn’t suit you. Trial periods vary. Some are just a couple of weeks long and others are surprisingly generous; for example, a few offer one-year trial periods. 4. Consider different options: Remember when memory foam mattresses were the latest and greatest option available? They’re still very popular and if you love the way a memory foam mattress feels, then go for it! Some other choices include latex mattresses, organic mattresses, and ultra-comfy hybrid mattresses that combine the luxurious “floating” sensation of a memory foam mattress with the support and bounce associated with traditional Best innerspring mattress. There’s more: Some mattresses have to be supported by a traditional box spring, some are fine for placing on a plain platform bed, some are OK for those who prefer to have their mattress on the floor, and some are ideal for pairing with an adjustable base. Knowing how you’d like to set up your mattress isn’t something most people think about, but it’s key to shopping for the best one. 5. Look into temperature control and other unique features: In search of a little something extra? While advanced features can increase the cost significantly, you might like what you find when you look beyond standard options. Many of the newest mattresses offer unique features like special cooling fibers, cooling gels, and even covers that can be integrated with your smart home for pre-warming, better temperature control, and more. Some smart mattresses can give you insight into your sleep trends, some have built-in alarms, and some have adjustable firmness. As time passes, we’ll probably see even more unique mattresses with amazing features. 6. Recognize that a higher price doesn’t always mean higher quality: …At least if you’re shopping online! While most traditional mattress stores inflate their prices in order to cover the cost of doing business, it’s possible to get amazing mattresses online at about the same cost as a lower-grade one from a brick and mortar store. Read Also: 6 Myths Of Mattress You Must Know For Sure The Best Memory Foam Mattresses For Staying Cool This Summer
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Is It Safe to Buy Youtube Views?
Everyone dream of making videos on Youtube that have hundreds of millions of views and go viral. But in the actual fact running a channel and producing such videos is quite difficult. These days, Youtube is known as one of the fastest developing platforms. Meaning to say, the competition is getting fiercer and fiercer. Moreover, almost 500 hours of content were uploaded to this platform every single minute, as a result, a lot of Youtube users are having a hard time attracting more subscribers. For sure you are aware that YouTubers most especially the bigger ones earn hundreds of thousands of dollars. But here’s the catch, your video should first reach thousands of non-drop Youtube views before you can make money. As a matter of fact, you will need ten thousand views so that your videos will be monetized. One more thing, if you are a small Youtube user or just starting, believe it or not, it would be more difficult for you to attract a significant number of viewers on Youtube. Luckily, there’s now an easy way for you to get more views. Purchasing Youtube views is a legit and SAFE way of boosting your channel as well as views because if you purchase from trustworthy sellers they can help you in attracting organic viewers and ranking in search results. In the actual fact, buying views isn’t against the Terms of Service of Youtube. The rules state a service that attempts to obtain views on Youtube via automated means is not acceptable. That is why when you are buying make sure that views are authentic human Youtube Views and not bots. On the other hand, if Youtube suspects that your views came from bots there’s a possibility that you will face penalizing action. Even if you’re technically permitted to purchase Youtube views it is crucial that you approach this technique with extra caution to avoid any scam. Tips for Buying Youtube Views: 1. Avoid providers who offer views in a manner that may put you in danger: Websites that offer Youtube views from similar browsers and IPs with similar or same cookies are too obvious. As a matter of fact, Youtube may possibly pick-up on that type of activity or worst you may possibly have problems on your hands. 3. Look for A Seller that offer targeted views: If you are based in the United Kingdom, make sure to get views from the US, Australia, and the UK. Because views originating from Asia and Eastern Europe may give you away as well as you would run the peril of Youtube’s disciplinary action. Aforementioned, buying views is not against the law as long as they’re from real humans. Here's a list of the top places to buy YouTube views from https://bumped.in/buy-youtube-views/ 3. Make sure that you will be acquiring real humans: When making a purchase make sure that the views are not bots. In fact, this is the only way for you to obtain organic engagement and retention from your acquisition. Now that you already know that buying views is safe, then don’t think twice and take advantage of this method most especially if you want to grow your views. Read Also: How To Download Music From YouTube How To Use Video Animation On Your Website VidPaw Online Downloader Review: Best YouTube To MP3 Converter For Free
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The Ultimate Checklist for Helicopter Tours
By all accounts, a helicopter tour is an amazing experience. It’s one of the best ways to view scenery that you will not see anywhere else, which is why it’s such a unique opportunity. When embarking upon a helicopter tour, there are a few things that you should know because they can impact your overall enjoyment of the tour. Use the details below as a checklist to optimize your helicopter experience. You can also learn a lot about helicopter tours at https://www.bekaaair.com.au. Let Go of Any Fear: It’s natural to feel some trepidation about going up in the air. There’s often a feeling of being out of control because you’re not on land and can’t do anything to secure your safety. It’s the reason why people that fly in an airplane for the first time get nervous. What many experts will tell you is that flying in a helicopter is safer than riding in a car and there are statistics to prove this fact. In other words, you don’t have to worry about your helicopter tour because it’s a safe way to fly. By making a decision to let go of fear, you can embrace the fun of it all so that you truly enjoy yourself. Dress Appropriately: An essential element of going on a helicopter tour is dressing appropriately. It’s better to learn now than to find out when you arrive for the tour what’s considered acceptable. The first thing to know is that safety is a priority. It’s actually the reason why your attire is so important. You need to avoid anything that can be a hindrance during the tour. The types of things that you should not wear jewelry, hats, sunglasses, and sandals, including flip flops. When it comes to footwear, your feet should be fully covered. The goal is to ensure there isn’t anything that’s not fitted to your body, which means you should wear your hair up if it’s long. For comfort, you will likely need to wear a jacket because there’s a good chance that it will be cool in the cabin of the helicopter. Pack Your Camera: In all of the excitement, the last thing you’ll want to do is forget to pack your camera. While you can certainly use your phone, a great camera will enable you to better capture the memories experienced in the air. You’ll be allowed to take pictures from different positions, so make sure you have a backup battery. If you choose to take pictures with your phone, make sure it’s fully charged and you have a backup battery. If you’re like most people, you’ll end up wanting to take more pictures than originally anticipated. Arrive On Time: While a helicopter tour is entirely different from an airplane flight, the importance of arriving on time is the same for both because you should be available for pre-flight procedures. The company that schedules the helicopter tour will let you know when to arrive, so your job is to get there at the appropriate time. In fact, you should plan to arrive early just in case there are unexpected delays en route to the departure destination. If you’ve never been to the location before, make sure you find out how to get there in advance. Pay Close Attention to Instructions: Just like the safety instructions provided on an airplane, there are instructions provided for a helicopter tour. Although they are basic procedures, such as how to make sure your seatbelt is secure, you’ll still need to listen to ensure you understand what’s required. The most important part of the procedure is getting settled into your seat so that you enjoy the flight and take in the scenery. For most people, a helicopter tour is a once in a lifetime experience and they don’t want to miss anything. A helicopter tour is a great opportunity to do something new and exciting. It’s also used for special occasions, such as a marriage proposal. Whatever the purpose, it’s better than you can even imagine. Read Also: How To Plan A Trip In 5 Simple Steps? The Best Vacation Destinations For Couples
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Good To Know Tips When Buying Or Financing An RV
Buying an RV requires making a huge decision that you should not take lightly. As an RV is a major investment, it is important that you do your research so you will know what your options are. If you do a bit of prep work, you can save yourself from making a purchase of the wrong type of RV that you will eventually regret. There are factors that will influence your decision. What is your financial situation? When it comes to determining your interest rate, there will be aspects of your financial situation that will come into play. These factors will include your financial history, your income, and the amount of money you are able to pay, which will serve as your downpayment. Before you consider shopping for RVs, you need to assess your finances first. Analyze how much you can afford before shopping around. By knowing your financial standing, you will know the amount of money you need to pay throughout the duration of your loan. If you think you will not be able to manage your finances when buying a new RV, do not lose hope. In recent years, the used RV market has seen an explosion. There are so many options out there with less miles and exceptionally long feature lists. You can easily go for used rv financing to get your dream machine and be out on the open roads with your family. Here, the interest period will be lower, along with the premium rates and processing fees. What is the price you can afford? Buying an RV entails spending a large amount of money. An RV combines both aspects of purchasing a home and purchasing a car. A car will depreciate quickly. In a few years, you will notice that its value decreases by 5%. If converted to cash, it can be a big amount. It is important that you know the type of loan you are getting yourself into. Having the ability to pay back the amount before your RV depreciates is important. Avoid These Financing Mistakes: 1. Not accurately estimating what you can afford: Compared to a regular passenger vehicle, RVs cost much more. In fact, you can expect to invest in an RV to be similar to investing in a real estate property. Some who are eager to buy an RV will exhaust all ways and means to secure a loan. However, when the times comes when you need to pay back your loan, this is where a series of problems start creeping in. Without carefully analyzing how much you can afford, you will end up having difficulties catching up with your loan. Before you take the plunge, you can use a personal loan calculator so you can estimate the monthly payments and interest you will have for an RV loan. The calculator will also provide you with essential details like your amortization schedule. When financing an RV for the first time, these details are going to be a big help. Aside from taking the taxes, loans and registration fees for owning an RV into account, you should also include the campsite and storage fees, the costs of maintenance, utility costs, and mileage rates. 2. Not reviewing your credit score: As part of taking out a loan, it is your responsibility to know your credit score as this can have an impact on your RV loan. If your credit score is in the mid-700s or higher, it is considered as the best rate. A credit score of 700 is also a good score. While a credit score in the 600s can still qualify you for a personal loan, your interest rate will be much higher. You should also keep in mind that the interest rates vary from state to state. However, borrowers with bad credit scores are expected to have higher interest rates which can go up to 24%. 3. Not doing thorough research: It can be tempting to settle for the first loan offer you get, but this can spell trouble. Regardless of the type of loan you consider, taking the time to do your research is important. Lenders have different payments terms. Some offer lower interest rates while others are a little bit higher. When you are financing an RV, you should also understand the RV policy being offered. It might be similar to regular car insurance, but there is coverage that is specific to an RV. One of which is property insurance because you essentially consider your RV as your home when you are using it. You should also know the difference between an auto loan and unsecured RV loans before you make a decision. 4. Owing more than the future sale price: One thing that you need to understand about owning an RV is that it can depreciate by as much as 30% once you start using it. That said, you are at risk of paying more than the future sale price of your RV. You can avoid this from happening by paying a large downpayment so you will owe less when you decide to sell or trade your RV. Another technique you can employ is by starting small until you have the capacity to invest in a larger RV. By buying a lower-priced RV that you can pay off, it will be easier for you to trade it in an improved model in the future without risking falling behind your monthly payments. Buying an RV can be quite complex. You need to be thorough so you will know the implications of taking out a loan. A Dallas RV dealer will be able to help you weigh your options and find the best deal. Read Also: 7 Simple Tips To Pay Off Your Loans Faster 3 Must Know Accounting Tips To Help You Finance Correctly Are Debt Consolidation Loans Recommended For Credit Card Consolidation
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10 Types of Cow’s Meat
Though there’s a saying that every part of a pig can be used except the squeal, a cow is nearly as versatile. Following are 10 types of cow’s meat: 1. Chuck: The chuck comes from the shoulder of the cow, and since the muscle has to work hard to move the animal around, it has a lot of connective tissue. Cuts from this part of the animal are meant to be braised or put in stews. Popular cuts are the chuck eye roast, boneless shoulder pot roast, blade roast, short ribs, and boneless top blade steak. 2. Brisket: The brisket is found below the shoulder but above the leg or the shank. It is a famously fatty meat that needs to be braised or roasted. This part of the cow is made into corned beef and is served as luncheon meat. Corn has nothing to do with the vegetable but is a word for the rock salt used to prepare the meat. 3. Shank: Shank is the meat found at the top of both the forelegs and the hind legs of the animal. Both of these cuts are gelatinous, and the hind shank is especially grisly, but many people love the taste. Cow’s hooves are also used as well as the shanks. 4. Rib: The rib is next to the chuck and between the loin. This is where roast beef comes from, including the beautifully prepared standing roasts served with Yorkshire pudding. The rib can be bought boneless, but the meat tastes better with the bone in. Short ribs are found further down the animal’s ribcage and are good braised or cooked in pot roasts. 5. Loin: The loin lies next to the rib and provides the tenderest meat because this part of the animal doesn’t really have to work much. Sometimes it is larded to keep it moist, and it’s often cut into steaks. The thinnest steaks are the fillets mignons, followed by tournedos, which are often wrapped in pork fat, then the tenderloin and the Chateaubriand. The sirloin is found in the upper part of the loin right at the rump. It gets its name because it was so good that Henry VIII knighted it. Hence, Sir Loin. 6. Flank: The flank is at the bottom of the loin and its thinner part is used to make beef stock and stews. It grows more tender the closer it is to the cow’s leg. Flank steak and flank steak rolls are best broiled, pan-broiled or fried. Skirt steak is lean meat from this area. In America, it’s called London broil and is often served in strips. In England, it’s mixed with chuck meat and kidney for pies and puddings. 7. Tip: The tip is a triangular muscle whose sides are bordered by the loin, the flank, and the round. When it’s whole, it makes a delicious roast, but it's often cubed for stews. 8. Rump: The rump is right next to the sirloin and so provides amazingly juicy roasts and steaks. Meat from this area often has a few sinews, but these can be easily cut out with a paring knife. 9. Round: The round lies beneath the rump and is pretty much the cow’s thigh area. Top round from inside the leg is excellent in a pot roast and just as good braised, but it is so lean that it often gets wrapped in fat or lard. It can be roasted, but roasting risks drying the meat out. One way to avoid this is to cook the round roast until it is no more than blood rare. When it is this rare it also makes very good luncheon meat. The bottom round is much like the top round, but shouldn’t be oven roasted because it is too lean. It is for stews and pot roasts. 10. Organ Meats: These include the kidney and the liver, which are rich in iron. Calf’s liver and brains are also enjoyed, and the tongue is considered excellent luncheon meat. Fat Cow Best Butcher Brisbane. Read Also:
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11 Ways to Save Money while Studying in Israel
Israel is a wonderful country to visit. Whether it is the beautiful Mediterranean coastline, the religious landmarks, and historical sites, or the people themselves, there is always something to check out in Israel. However, it is no secret that Israel is not a cheap place to visit. The country is quite expensive by any measure so travelers would be well-advised o save money wherever they can. Whether it is currency conversions, the price of food itself, or accommodations, Israel tends to empty your wallet. What follows are some tips for saving money during your time in the Holy Land. Hopefully, by utilizing these you will be able to extend your stay in Israel or come home with a little bit more money. 1. Buy a RavKav: Image Source: upload.wikimedia.org Instead of buying bus tickets from the driver, you’ll save money by purchasing a RavKav, which you can swipe on most forms of public transportation in Israel. You’ll save money on Egged buses and on the light rail in Jerusalem, plus you won’t have to dig for coins each time you get on the bus. 2. Don’t Negotiate with Taxi Drivers: Image Source: upload.wikimedia.org There’s no way to come out on top when bargaining with the notorious Israeli taxi drivers. Instead, insist to the driver that he turn on the meter, and let that dictate the price of your journey. 3. Work out your Communication needs before leaving: No matter what country you’re in, people will look to take advantage of travelers who failed to make all their necessary preparations back home. For this reason, it is imperative that you take care of your telecom needs before you leave for Israel. Renting a SIM card for Israel or domestic cell phone is a good way to go. 4. Supermarkets over Makolets: Image Source: commons.wikimedia.org The local makolet on your school’s street corner might be the most convenient place to shop, but everything will cost a lot more than at a larger supermarket. Do yourself a favor and avoid doing your heavy shopping there. 5. Street Food Instead of Restaurants: Image Source: upload.wikimedia.org With cheap hummus and shawarma widely available throughout the country, you’re never far from a tasty and inexpensive meal. Use this to your advantage and avoid eating out in expensive restaurants. 6. Improve your Hebrew: Image Source: upload.wikimedia.org It doesn’t matter if you’re dealing with the cellphone company, the bank, or your local pharmacy. It’s always more effective when you’re negotiating in Hebrew, and if you don’t speak the language well, try to bring someone along who does. 7. Avoid American Food Products: Image Source: upload.wikimedia.org Your favorite cereals and snacks at home are going to be extremely overpriced in Israeli stores, so for extra savings go with an Israeli brand. You’ll save money and get a better feel for what Israelis are eating! 8. Buy a Reusable Water Bottle: Image Source: upload.wikimedia.org Purchasing bottled water in Israel can add up, and there’s no reason to pay for it. Tap water in Israel is of the highest quality that can be found worldwide, so just fill up your bottle whenever you’re thirsty. 9. Buy from the Shuk: Image Source: upload.wikimedia.org Like other Middle Eastern countries, the best deals are to be found at the local marketplace. If you’re studying in Jerusalem, then a great place to do your shopping is in the Mahane Yehudah market, where all the local Israelis find the city’s best bargains. 10. Circumvent ATM Fees: Image Source: upload.wikimedia.org Most students studying abroad get access to their funds by withdrawing cash from Israeli ATMs. Don’t use ATMs that charge high withdrawal fees, so avoid using ones not connected to a recognized bank. 11. Work Part-Time: Image Source: upload.wikimedia.org There are plenty of opportunities in Israel for English speakers to work part-time. If you’re having trouble saving money, why not earn a few extra shekels on the side? Travelling to Israel is exciting for anyone. If you’re fortunate enough to have a trip planned for some time in the future you will want to plan things out so that you don’t end up spending any more money than you have to. Whether you’re going through the whole country or just visiting Tel Aviv or Jerusalem, these tips ought to help you keep a little more in your wallet so you can enjoy your trip longer. Safe travels! Read Also: Benefits Of Internship Programs 7 Wise Financial Choices That Will Help You Follow Your Budget
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10 Things to Do Before You Move Out of State
Relocating to a new state can be a lot of things—crazy, exciting, and stressful, to name a few. The good news is that with a little intentionality, you can mold your move into a positive, enjoyable life transition. Here are ten tips to consider before you pack your bags. 1. Make a bucket list: Life is busy. Chances are, there are places to see, food to eat, and things to do in your current state that you never got around to seeing, eating, or doing. Make a bucket list of a few of the things you think you’d regret if you moved away without experiencing. And then, make plans to make it happen. 2. Plan to say goodbye: Moving is stressful, and it can be easy to get up in the frenzy of your to-do list. But, to have a healthy sense of closure and positive feelings when you look back on a period in your life, it’s essential to make an effort to wrap things up well. And, relationships are the most crucial piece of the wrap-up puzzle. In addition to great friends, you’ve developed relationships with all kinds of others—e.g., your neighbors, your children’s teachers, and your yoga instructor. Make a list of these folks, and plan to say goodbye. A handwritten note might suit your style, or perhaps you’d prefer to throw a colossal bbq and invite everyone. Whatever feels right to you is the best way to say goodbye and honor the people who have played a part in your experience. 3. Make a list of wrap-up logistics: The best way to get your head around a million moving logistics is to make a good old-fashioned list. There are a million moving checklists online to get you started. Then, you can open a notebook or your laptop and make your custom list. We recommend a master task list with deadlines to keep you on track toward your big move. 4. Make moving arrangements: When are you leaving? Where are you going? How will you get your stuff there? These seem like obvious questions, but we recommend sitting down and thinking through every detail. Once you have your plan on paper (or screen), the actual moving will feel much less daunting. 5. Clutter clear: Moving states is not just a geographical location change; it’s a significant life transition. And, an excellent opportunity to assess the stuff you have and decide what you want to keep and what to leave behind. A good question to ask yourself when you look at an item in your house is, “Do I want to carry this into the future? Or, do I want to leave it in the past.” If your answer is yes to the former, pack it up. If it’s yes to the latter, donate it before you go. 6. Plan to make some changes: In addition to this time being an excellent opportunity to clutter clear your physical space, it’s also a time to make any necessary changes to your lifestyle. Think about any bad habits you want to “leave behind” and new ones that you want to have with you when you arrive at your new home. Relocating to a new state is a rare fresh start. It can give you an opportunity to reinvent yourself, and if you want to make the change even more seriously, you could even change your name. If you're relocating to California, there are services that allow you to legally change your name with no problems. However, you should do research on the laws of your state before undergoing this kind of process. 7. Learn about your soon-to-be new home: It can be fun to start learning about your new city early, so you can hit the ground running when you arrive. Think about what’s most important to your lifestyle and virtually explore the offerings near your new home. Whether you’re typing the words “Brisbane best butcher” or “hot yoga in Denver” into the search bar, you’ll be on your way to finding cool new spots to frequent in your new digs. 8. Make a new bucket list: Earlier, we mentioned that many of us get busy and forget to partake in all the unique experiences offered by a particular city or state. Avoid that by starting your bucket list early! Every time you get a restaurant suggestion or learn about a historical landmark that’s a must-visit, write it down! Then, you can refer back and never feel short of cool things to do. 9. Experience the honeymoon: Much like with new relationships, many of us experience a “honeymoon” period when we move to a new place. The possibilities are endless, and the future is bright. New experiences are making new chemicals flow, and you feel good. Plan to take advantage of this good energy and explore your surroundings. You’ll be setting a beautiful foundation for your time in your new city. 10. Remember to enjoy the ride: Above all, enjoy! Moving out of state marks an exciting time in your life—take full advantage of it. Read Also: The Five Most Important Things To Know Before Moving Make Your Vacation Less Stressful With The Following Tricks The Ultimate Moving Checklist – Things You Need To Do When Moving
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How To Execute An Effective Video Marketing Campaign
Video marketing is the in thing when it comes to new age advertising strategies. Video marketing is proving to be effective in its marketing duties courtesy of the interactive clips that possess the ‘it’ factor needed to grab the viewer’s attention. This strategy allows you to use short video clips either on their own or amid other videos in video sharing sites such as YouTube. With 70% of marketing firms using videos in marketing, the concept is one to watch out for. Just like any other advertising mode, there are some aspects in video marketing that you can tweak so as to get the best results. How you can effectively execute a video marketing campaign: 1. Focus On The Content: For an effective video marketing campaign, the content is the major driving force. When focusing on the content, ensure it meets the wants of the target audience for it to become more relevant. If you get right on the content, the story behind the video campaign gets a steady foundation and is able to steer itself perfectly. Also, make sure you do not overdo the content to avoid making it appear stuffy or boring. Boring content leads to the viewers losing interest easily which can be a major blow to your marketing. Stuffy content, on the other hand, dilutes the main message which you want to communicate to your audience. 3. Know Where To Fish For Your Audience: Your marketing video’s audience is another key factor that you cannot overlook. Without an audience, your video marketing campaign is simply useless with almost nil traffic conversion rates. As such, you need to know where your target audience lurks and how to effectively get to them. One hub where you can get a decent viewership number is on the various social media platforms such as Facebook, YouTube, and Instagram among others. On the platforms, you can post your videos and take note of the number of views and take advantage of the one that has a high number of viewers. However, do not ignore the other platforms even if they register low viewership as it can do some justice to your overall traffic. Knowing where to get your audience also provides a shadow of their wants and needs, factors which you can integrate into your videos for a hiked viewership. 3. Get A Good Script To Go With Video: A good script is a channel through which your video's content gets perceived easily by your intended viewers. This means that you need to get a good script as a guide for your content. For the script, make it simple and easy to comprehend more so if it is an educative piece. When crafting the video's script, ensure that the first few seconds are really captivating so as to hook the viewer till the end. A boring start will definitely result in a skip hence your message fails to get to your audience. Add some humor to it if possible to make the video less boring. 4. Keep The Videos Short: Another trick for an effective video marketing campaign is to create shorter videos. Apart from being relatively affordable and easy to create, they also grab the viewer's attention to the end. Many viewers seem to get discouraged when they see a video is too long and they may certainly avoid it. A short video has them in the notion that it won't take much of their time hence they go with it till its completion. Always keep in mind that the purpose of the video is to get the attention of the viewer. 5. Get Creative With Your Video: When talking of creativity, the focal point is the use of the available freedom to put in various features to make the video unique. Uniqueness sells and in this situation you cannot get disappointed. You can use animation style videos which are gaining much mainstream acceptance and also they do have a larger audience reach. Animated videos also give you a chance to mash up colors and have a blend of voice-over acts to make the video distinct. For instance, you can use a text to speech software to convert your written text into human sounding voices in different languages across the world. With the help of this tool, you can connect with a wider audience globally. Also to give your videos some character and identity, a watermark or logo might do some justice for you. 6. Get To Know Your Competitors: For any marketing strategy to have the distinction of being successful, it needs to either be on the same level or better than the competitors. This requires you to know what strategies your competition is using to stay on top of the game and come up with a nice plan. Make sure that the strategy you plan to use is not like your competitors for the uniqueness of your brand and to also avoid lawsuits which may arise contesting the similarity. 7. Constantly Update Your Feed: To keep your audience hooked and benefit from a loyal following, you need to constantly update your video feed. At reasonable intervals, upload your photos to satisfy your viewer’s needs for more content. Ensure each content is more interesting for them to keep close in case you drop another gem. Consistency is one area where many content creators hit a miss and you do not want to fall in that hole as it spells doom for your brand. If you cannot manage to be consistent, you can partner up with a consistent brand which provides your brand with some airtime which may come at a fee. Bottom-Line: When executing an effective video marketing campaign, your audience matters the most. Every process from getting the content to getting the right script to accompany the video needs to be viewer-oriented. This helps maintain a large following as well as attract another decent number of viewers who relate to your content. Additionally, when making the video get your creativity game on point to come out with unique content that stands out from the pack. Uniqueness is a point of attraction hence you are sure to get your numbers off the roof if you know your way through. Also, ensure that the video is short and straight to the pint to grab the attention of your audience. A nice video editing tool may help you a ton in making your videos distinct. Video marketing campaigns need consistency to be effective hence keep on bringing more video content to uplift your brand. Read Also: Essentials For Digital Marketing Dos And Don’ts Of Marketing For Technology Companies Importance Of Storytelling In Social Media Marketing
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5 Times DOOH Helped Companies Reinvent Their Marketing
Digital-out-of-home advertising continues to speak to us in the most innovative language that everyone can understand and comprehend. That is why companies approach DOOH product marketing with excitement and now one plays it safe. DOOH is highly impactful, remarkably creative and, unlike most of the traditional ways of advertising, is literally impossible to block or ignore. Thus we’ve figured it’s just the right time to make the top 5 list and pinpoint the times DOOH helped companies reinvent their marketing. Listed below are the most inspiring, engaging and entertaining ways DOOH is used for effective marketing. A friendly warning: please refrain from any marketing reinventing through DOOH until you’ve found a digital signage software provider that fits your brand. Establishing a fully-functional digital signage network is a challenge, so my suggestion is: make a 5-10 key qualities list for DS and go from there. Honestly, there are staple requirements that will help you to make the most out of each display. Your DS soft should be able to play key media formats, integrate another innovative tech, and play interactive content. DS should allow you to seamlessly run a growing network, have a good health system in place, etc. The designs have to be exciting and up-to-date, and there is always a very important matter of quality customer support. Whatever it is for you – list the key requirements and start your search. We’ve spent a good couple of months searching and testing out DS soft, fortunately, we are pretty happy with our Kitcast digital signage software (check them out at https://kitcast.tv/). Best Examples of DOOH Advertising: i) That time we all wanted a Burger King Whopper. Calling me a Burger King fan would be a bit of a stretch, what I am though is a huge fan of their marketing. So, let’s talk about the impressive BK DOOH campaign, their digital-out-of-home pièce de résistance called “The traffic jam whopper”. The amazing never before attempted DOOH campaign in Mexico aimed to end hunger in all traffic jams. They used dynamic DOOH and promoted services in gridlocks bases on real-life data by locating the potential buyers in traffic. Traffic info and real-time data analysis were used to adjust the content of the billboards. Burger King ran messages displaying the time left in traffic and tracked and displayed time left before receiving the order. Additionally, mobile ads with campaign promotion were sent out as soon as cars entered traffic and were in close proximity to billboards. The cars were tracked with Google maps API to pinpoint the exact car position in gridlock. This was the first time ever anyone has attempted a delivery to drivers on the move and it was an outstanding success: the campaign boosted Burger King’s delivery service and the orders for food delivery increased by unbelievable 63%. ii) That time Kylie Jenner won programmatic. The latest Kylie Jenner’s billboard campaign was an ode to programmatic DOOH and has finally shown all of its power. I’m pretty sure that the new Kylie Skin ad campaign was to biggest programmatic campaign to date. Just imagine, it took 1 300 screens in more than one thousand cities across the US to make this digital-out-of-home marketing campaign a success. But, hold your horses, we haven’t gotten to the most impressive part yet! It has been reported that the whole programmatic digital out-of-home campaign was carried out with unimaginable before speed: it was conceived and made public across the US all in just under a week. From idea to Kylie’s face appearing everywhere - from the Times Square to a shopping mall in West Covina – all in just under a week. Jonathan Gudai, Adomni’s CEO said, and I fully agree, that Kylie Skin was absolutely groundbreaking DOOH marketing campaign: “To run that many ads on that many boards, with that minimal effort, is truly a remarkable thing” – stated Gudai. iii) That time McDonald’s teamed up with Met Office. It is getting harder to impress and engage consumers, but, last year Leo Burnett came out with a pretty amazing and a rather simple way to grab people’s attention with a DOOH marketing campaign for McDonald's. They’ve presented a digital outdoor campaign that turned McDonald's famous and highly recognizable menu items into weather icons of the five-day weather forecast and brought all of it to life on giant screens. iv) That time Pepsi brought us the HD live-feed AR 3D “Unbelievable bus shelter” DOOH campaign to scare the life out of us on the way to work. This award-winning campaign is hard to forget: Pepsi MAX has shown us an amazing and unbelievable experience with their innovative DOOH. Life-like lions, aliens and UFO’s, meteors, and people getting dragged underground by octopuses were all appearing before people’s eyes on a morning bus stop. We urge you to watch the promo video for Pepsi MAX - more than 8 000 000 people did! It is one of the most watched ads on YouTube. It was high-tech, creative, entertaining and to this day one of the most unforgettable DOOH marketing campaigns out there. v) That time the Emoji Movie digital-out-of-home won London. Let’s end our list with a really bad movie and a remarkably great augmented reality and DOOH marketing campaign. Sony Pictures has brought a very creative and fun campaign to the streets of London with just a billboard, augmented reality and facial recognition soft. Advanced soft was used to turn the passersby’s into emoticons, it was able to identify gender, emotions and facial expressions with a very impressive speed thus managing to bring AR experience to the high-foot traffic street. The campaign’s reach and “shareability” was up there with the best of them. Read Also: Effective Ways To Utilize Digital Marketing Avoid These 5 Mistakes Before Starting An SEO Signs Your Traditional Marketing Campaign Is Working A Guide To Running Your Instagram Marketing Campaign
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