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Lanolin is a remedy for the skin for millennia. A product of sheep oil from wool, it is a medication used to treat various kinds of skin conditions, including rashes and burns. Due to its emollient effects, the greasy yellow substance is used in skincare and cosmetics industry to produce a range of products.
Also known as wool fat, lanolin is a secretion from the skin of sheep. Although it’s similar to human sebum, the substance doesn’t contain triglycerides. To extract lanolin, the wool is passed through a centrifuge machine that detaches the oil from unwanted substances.
In the 21st-century, it is an excellent ingredient to make various kinds of skin and hair care products. Earlier, the ancient greeks used unrefined lanolin due to its skin softening properties.
Here are some interesting benefits of lanolin for skin and hair:
1. It’s an Impressive Skin Moisturizer
Lanolin makes an excellent product to preserve moisture in the skin. It has excellent emollient properties to heal the dry, hard epidermis. It softens the skin and keeps it hydrated. It can be applied as an additional layer on the skin to make water stay and preserve moisture. Today, a wide range of skincare products contain the substance as an ingredient to treat dry and rough skin.
2. It Heals Sunburn
It can be applied to heal sunburned skin to maintain the hydration level. It helps prevent water loss or protect the skin from peeling. According to experts, the substance shouldn’t be used immediately after the sun exposure because it contains alcohol that can worsen the effects.
3. It Helps Treat Chapped Lips
During winters, lots of people get chapped lips. The condition can be healed by applying lanolin. The substance contains a waxy texture and incredible properties that collects moisture from the air to prevent chapping. Many beauty brands worldwide get bulk lanolin to make products like lip balms to treat chapped lips and protect them during winters.
4. It may Have Anti-Cancer Properties
There is scientific evidence suggesting that lanolin may have anti-cancer properties. An early study on mice found that the substance used on cancer cells decreased the tumors. Another study discovered the small anti-cancer effects of the substance. Although these are old studies, many believe that lanolin can be used to slow down or decrease the effects of cancer.
5. It has Anti-aging Benefits
Many skincare products that claim to have anti-aging benefits contain lanolin as an ingredient. It has the ability to protect the skin against face wrinkles, thanks to its emollient properties. There are studies suggesting that lanolin is capable of holding twice its weight in water. This ability makes it an excellent substance to reduce wrinkles.
6. It Makes Hair Soft
Not all conditioners work well on curly hair. People with extra curly, thick hair do not find regular conditioners beneficial to strengthen or soften their hair. They can use products containing lanolin. It is because the substance is thick and heavy. Also, it can be massaged into hair to make them soft.
7. It Makes Hair Shiny and Strong
The waxy product can be a part of a hair care routine to make hair strong and shiny. It helps trap water in the hair to prevent moisture loss and soften scalp strands. As a result, one gets healthy hair.
Lanolin is a waxy substance whose emollient properties can help protect skin and hair. It can be bought to make various kinds of products, such as creams, balms, lotions, and others. Apart from that, it can treat various kinds of conditions related to skin and hair. Go ahead and give the substance a try!
A trend follower looks to outshine his/her peers with unprecedented magic. While the thought is not wrong in itself, don't you think it's asking for too much? Actually, if you consider this statement a few years back, the answer would be yes. However, with so many options on the market, it's a definite no for now.
If you think you can’t nail a fashionable watch, then you have certainly not scribbled through the features of minimalist watches for women. Minimalist watches have had newfound popularity due to their sleek personality and charming nature. In this article, you will know why minimalist watches are a sign of new modern women.
What do minimalist watches promote?
Noticing from several perspectives, minimalist watches have some features that no other style can match.
For a watch to be stylish, it's not the design but the viewer’s eyes that make a difference. A trendy woman always seeks an overall package that doesn't lack in style from anywhere. Minimalist watches have never degraded in terms of popularity because of the trendy design that's never too much or too little. If you have one in your wardrobe, it portrays that you have a versatile mindset.
Minimalist watches can go with almost every outfit. If you need a formal setting for a party, corporate event, or just a friendly get-together, they have your back. Following specific dress codes has allowed minimalist watches to have a unique place in a person's wardrobe.
Simplicity is a rare thing nowadays. And, there's no denying that what's scarce is what we value. The same goes for simplicity in watches for women. It's not very common and when we find simplicity in a minimalist watch, it attracts the most. It implies that a solid build quality can replace a loud design.
It's obvious that when a designer has to build a simple rugged watch, the responsibility transfers to its manufacturing unit. As a result, they keep the basics straight with affordability in mind and create a timepiece for everyone. Again, the build quality is the primary thing focused upon that makes the watch affordable.
The Bottom Line
Once you build the knack of wearing minimalist women watches, believe us, no other watch with astound you anymore. The focus on the build of a watch is the most effective part. The material of the watch plays an important role in determining the same. So, make sure you know the exact manufacturer and the processes your product has gone through.
An attraction for someone, falling in love and committing to live forever are some basic human characteristics that exist in everyone. Whether you are completely normal or physical challenges, these desires come equally in everyone’s mind. However, finding a match as a disabled person is something different from normal people. Our movements are restricted to a limited area because of the disability and sometimes remain under the parenting of someone professional. The internet connectivity is helping in solving the issues of disabled people to an extent. If you manage to operate a smartphone, tablet or PC as a disabled person, life will become very simple. There are some online special need dating agencies to join for searching for a perfect match. Here is a list of advantages you can expect from disabled dating websites.
The significance of dating sites for disabled people
1) Develop social interaction skills
Anxiety and inferiority complex while interacting publically is the biggest issue among disabled people. You get very few opportunities to socialize that creates hesitation. A special needs dating agency provide a safe platform to interact with countless people virtually. Don’t just consider it as a website to build relationships. There is a lot more to explore. A disabled person learns how to start a conversation and giving personal opinion influentially in interactions.
2) Keep busy in engaging activities
Remaining idle for the entire day or watching TV 24X7 is very boring. When other family members are out for their daily work and there is no one to talk, communicate with people who are equally alone. Lonely life leads to depression and various other problems in life that are much worse than physical disability. With a PC, smartphone and a working internet connection, you can explore the whole world. If people are not available to talk when you need them the most, make friends virtually. Text messages, video calling and multimedia sharing keep you busy and stress-free.
3) Multiple opportunities to find a life partner
If you are a disabled person, there are only a few chances to find a suitable life partner in the locality. Even if you managed to find someone, expectations might differ. Dating websites have countless options to choose because people of every region visit there regularly. There is no need to run behind a single person whether they accept you or not. You can start a chat, become friends and go further later if everything goes fine.
4) Developing new hobbies
If you have enough spare time to spend every day, how about utilizing it in a better way. Develop a hobby and earn with it if possible. Disabled dating platforms are full of creative people who developed interesting hobbies despite a disability. Get inspiration from them to make your life more productive. It keeps your mind busy as well as full of positive energy.
How to start on a disabled dating site
As a first time user, you must be in some confusion regarding how to start chatting and who will accept your proposal. Read the following tips to start healthy communication:-
1) All are disabled, so don’t worry that somebody will judge you from this perspective.
2) Use only original information in your profile but in an interesting way.
3) Always remember that there are countless options, so be selective.
After reading the above article, you must be wondering how interesting is life even with a disability. It just takes a little bit of knowledge of using the internet.
The market is flooded with options of mountain bikes. While it's a healthy sign for customers, they can complicate the process of choosing one. As the competition rises, the need for prior research also rises. Psychologically, the more options you have, the more you require. An informed customer will go through all the options before finalizing the mountain bike.
Summing up all these influences, it becomes challenging to find an ideal mountain bike. Here, we have a compiled list of variables in mountain bikes that help you correspond some features to your requirements.
Types of mountain bikes
Every mountain bike falls under the category of a road bike. It can also perform daily cruising duties but has some extra features that can help you hit through stubborn terrains in the mountains. Let's go through the mountain bikes and those features.
The first and most advanced prototype is a dual-suspension mountain bike. Many people also call it full suspension. As the name suggests, these bikes have distinct sets of suspension for the front and rear wheel. The primary purpose is to handle bad roads and terrains. Well tuned suspension helps to keep the wheels on the ground most of the time that leads to better traction and control.
The rougher the terrain is, the more suspension travel is required. The suspension travel of a full suspension bike can range from 80 to 200 mm. One must keep the most significant terrain in mind to choose the suspension travel. However, a dual suspension bike can also act as rigids or hardtails if you decide to lock the suspension at either ends.
Bikes with a suspension set only in the front wheel are called hardtails. Hardtails are typically lighter than full suspension bikes as they don't have the extra weight of the heavy springy suspension at the rear. The front suspension of the bike can be locked to turn it into a rigid bike.
Hardtail bikes are generally preferred because of their lightweight and stiffness. It leads to higher pedaling efficiency. Hardtails are typically used when you have to combine mountain biking with cross-country duties.
One might wonder how can a rigid bike fulfill mountain duties. While the doubt is partially right, a rigid mountain bike can handle some smoother trails than the above 2. Also, rigid mountain bikes are even lighter than the hard tails so they can seamlessly help you travel long distances on the mountain. The only limitation is the lack of the ability to handle technical trails.
Choosing one type over the other
The purpose of each and every type is exclusive. However, all of these bikes can be used on mountains, the ability to handle challenging terrain varies. Scott bikes have made themselves a massive brand for people who need versatility performance in each area. They can handle mountain duties, daily cruising, and cross country trips with ease.
The last tip
Choosing of mountain bike solely based on its type is not recommended. Go to all the other factors that complete your requirements. For example, the tire size, sitting position reference, braking performance, your daily requirements, etc. You can only reach a conclusion when you combine each of these factors with one another.
Walk into an Italian confectionery, and you find yourself looking at the shop’s most attention-grabbing showpiece: the cookie case. In the Italian cuisine world, which is widely popular for pizzas and pasta, scrumptious Italian bakery cookies do not let foodies forget them easily.
But here is the problem: a well-stocked Italian bakery has dozens of cookies, including ones with unpronounceable names. This sheer variety can also confuse an Italian, especially in the presence of pignoli and cuccidati. So, to encourage you to explore out of your comfort zone, we have created this guide to classic Italian bakery cookies that can improve your knowledge around Italy’s famous cookies and help to order with confidence of a real Italian.
Any cookie is biscotti in Italy. However, when cookie lovers in other parts of the world imagine biscotti, they see twice-baked Italian almond biscuits with a long shelf life. They were first made in the city of Prato.
Biscotti can have multiple versions, and the simplest version is without oil and butter. These cookies are typically made of flour, eggs, sugar, almonds, and salt. For extra flavoring, chefs use dried fruit or chocolate.
Though biscotti cookies are easy to make and there are thousands of recipes over the Internet claiming to help chefs make these traditional cookies at home, you should get them from an Italian store to experience their original taste.
Originated in Venice during the Renaissance, amaretti are gluten-free, crispy, and chewy almond cookies. Almond flour, egg white, and sugar are some of the main ingredients of traditional Italian Amaretti, which can be a little bitter because of bitter almonds.
The best way to get amaretti cookies made using a traditional Italian recipe is to start by typing ‘Italian bakery near me’ on the Internet. Ensure the cookies you get are a little bitter in taste. If the cookies aren’t bitter, then they aren’t the real thing.
A Sicilian specialty, pignoli cookies are a staple in Sicily and many southern Italian regions. The crispy, chewy cookies are a delicious blend of pine nuts and almonds. The buttery pine nuts on top of cookies provide them with rich texture, while the almond paste infuses the cookies with crispy and chewy properties.
Flour, almond paste, egg whites, and sugar are ingredients to make dough for pignoli. Almond paste is the main ingredient, so don’t think of replacing it with an alternative. It enhances the flavor and provides the treat with a chewy taste.
The best way to enjoy this luxurious treat like an Italian is by serving it with espresso.
Rainbow Cookies (Tricolore)
With a resemblance to the Italian flag, Tricolore is almond paste-based cake carrying three layers sandwiched with apricot. It’s a super-moist almond sponge cake that is also known by the name of tri-color cookie or seven-layer cake.
The delicious treat is made of butter, egg yolk, and almond paste. Instead of making Tricolore at home, the best is to get them from an Italian store.
Where To Buy Classic Italian Cookies?
There are many Italy-based brands that sell different types of Italian cookies made using traditional recipes. For example, Mulino Bianco cookies are popular for their rich taste and genuine ingredients. Similarly, there are many other brands that offer quality cookie products to people who require them. To get the best products, you need to find an Italian online store that offers quality products from Italy and delivers them at your doorstep.
What’s your favorite Italian cookie? How do you get it?
A daycare center has to struggle with a lot of time-consuming administrative tasks. These are principally unavoidable for the smooth functioning of every department. Any hindrance in even one of them can cause a total failure of coordination and bring the operation to a halt. The slow progress inversely affects the image of any business. It will be a nightmare for the long term goodwill of any company considering the cutthroat competition.
Home daycare bookkeeping comes to your rescue here. These valuable solutions promote digitalization and effort reduction in any business. Won't any daycare business require a simple strategy that is effective enough? It's a definite yes for everyone. The reason why daycare bookkeeping has got so much popularity is that it's accurate and keeps the records organized.
How has daycare bookkeeping been digitalized?
Paperless transactions have given birth to other digitized business processes. It's not only convenient but also environment-friendly. With increasing complications in a daycare center, digitized bookkeeping has compensated the effect. There are some dedicated record-keeping softwares to make the process complaint and efficient for a generalized education.
While the operations department strives to provide the best daycare treatment to children, record-keeping has its own ambitions in sync with other goals. Some third-parties offer bookkeeping services which keep the pace of improvement rising constantly. They help you overcome each challenge by providing the following benefits.
Adaptation to changes
The customer environment out there is quite dynamic. The Daycare center has to update itself with each and every piece of information. With centralized bookkeeping for daycare centers, they won't allow this information to slip through the minor cracks. As an obvious outcome, the management will be in an excellent position to have a look at every alteration and adapt accordingly.
Secure its resources
The paperwork requires a lot of space and it's the total opposite of digitalization. Paperwork is not so secure whereas you can lock your electronic device holding every information with a password. The software of bookkeeping ensures that everything is in place and the business won't take a significant hit anytime soon.
Easily accessible records
Searching for a particular piece of paper in the record store for the profile of a child will take 10 times the time than typing in a word on the computer. Moreover, the permission is only with the staff which is authorized to access that information. It will be easier to scroll through with enrollment, payroll, schedules, and other important records from the past.
Increase the productivity of operations
While you don't have to focus on administrative activities, you can directly ensure that operations are competent enough. The staff doesn't have to exert much physically to scroll through different areas. Every information is available to them on a click of a mouse button. From the first day itself, you will notice a drastic improvement in the flow of work.
Less requirement of paper is not a simplified job for the stuff but also the environment. You involuntarily meet your social obligations to return the favor to your surroundings. On the other hand, an office without digitalization will use at least ten times more paper.
Thrash the competition
The childcare industry is in a competitive space right now. As mentioned above, any hindrance won't help with their image improvement. And it is even more disastrous when we consider the competition around. Every daycare center looks to outperform the other by being more desirable and involving for the customers. It can steal your customer base too. Bookkeeping helps you record every weakness and strength to act upon with full force.
Basis for planning
With every record, you have a better basis for planning the future. Factors like class size, child profile, teacher to children ratio, co-curricular activities, improvement index, etc. everything comes on display. The best board of management with their decision-making skills, after analyzing this information on one screen can plan effectively for the future.
The software can be used for home daycare bookkeeping as well as for the other ones to manage everything in a drastically better and more convenient way. Consider the option before it's too late.
Morning walk is a healthy practice. If you are someone who doesn’t prefer workout sessions at the gym or have age related concerns, morning walk can be the best option to stay healthy. However, as unexpected situations may come up any time, you must be prepared to avoid such circumstances beforehand.
The possibility of accidents or mishaps cannot be ruled out while you are on your daily morning walk. While you may not feel the need for it, a Morning Walk Insurance Cover is an affordable way to be prepared for any unforeseen situations.
A morning walk accident insurance policy can provide the needed financial assistance in case of accidents or medical emergencies while a person is performing his daily fitness walk.
Here’s how availing this insurance plan would help you with unforeseen situations:
1. Death coverage: If an accident occurs during the morning walk and bears fatal consequences, the insured is eligible to receive a compensation up to Rs. 3 Lakh.
2. Disability coverage: There are two clauses in terms of the nature of disability.
A. Permanent total disability: Insured sum ranges up to Rs. 3 Lakh. Reimbursement terms include:
a) Detachment or loss of ability to use one hand or one foot.
b) Detachment or loss of ability to use both hands and both feet.
c) Loss of vision for both eyes.
d) Loss of vision for one eye and simultaneously detachment or loss of ability to use either one hand or one foot.
B. Permanent Partial Disability: Insured sum up to Rs. 3 Lakh.
3. Treatment for fracture and other injuries: Fracture care coverage of up to Rs. 75,000 to ensure that you have a speedy recovery without shouldering humongous financial burden.
4. Ambulance charges: Ambulance charges up to Rs. 25,000 are covered under an insurance policy for morning walk. These additional charges will be taken care of by the insurance provider.
5. Age factor: People active enough to indulge in morning walks in the age bracket from 18 years to 70 years are eligible to avail the insurance.
6. Affordable premium: You can enjoy a wide range of benefits at a premium as low as Rs. 599 per annum. This small amount will never be a burden on your wallet as it bears the promise to cover all major elements causing financial worries during crisis.
Now, it’s time to guide you through the rather simpler part of the procedure, applying for a morning walk accident insurance policy. Viz. –
a) Visit the website of the insurance service provider.
b) Go to the online application page and type out all the details needed.
c) Pay the premium.
Bajaj Finserv brings you easy to buy Pocket Insurance schemes such as morning walk accident insurance with multiple benefits. The process to apply for such schemes is quite simple. You simply need to visit their official website, fill up the application form online and finally pay the premium.
Besides this insurance policy, you can also look for other Pocket Insurance schemes brought to you by Bajaj Finserv and ensure that you are protected from diverse emergency situations.
Bangalore, also known as the “Silicon Valley of India” has seen major developments in the real estate sector within the past decade. The city has been growing at a rapid pace because of the increase in foreign investments from multinational companies. This has led to a massive influx of jobseekers in the city and as a result, demand for housing properties have been on the rise. As an NRI, you can invest in upcoming housing projects like Assetz 63 Degree East which boasts of superb facilities and a robust infrastructure.
Here are a few points which testifies why investing in real estate in Bangalore can be a prudent idea for NRIs like you:
Bangalore has emerged as one of the best Indian cities to live in because of the modern infrastructure it possesses. The city is experiencing a tremendous amount of growth in the real estate sector. There are various upcoming infrastructure projects, such as the Bangalore Metro Rail, which will cover around 33 kms over the North-south and East- West corridor.
Also, to ensure fast and easy connectivity from Bangalore city center to the International Airport, a Hi-speed Airport link of around 34 kms is in development, which will enable passengers to reach the Airport in around 25 minutes from different parts of the city.
Must Read: NRI Investment Guide
As a real estate investor, the first thing that might cross your mind is the price of the property that you’re willing to purchase. There are many apartments for sale in Bangalore that offer all basic amenities at very affordable rates. For example, Assetz 63 Degree East located at Sarjapur. It offers modern housing flats with top-class amenities at prices starting just Rs. 44 lakh.
As an NRI, you may be accustomed to the modern amenities. There are many residential complexes in Bangalore which offers many top-bracket amenities like gymnasium, swimming pools, landscape gardens, separate playing area, and a robust security system. You can easily afford to purchase a housing property in Bangalore with all these facilities at locations like Whitefield, Sarjapur, Uttarahalli, Horamavu etc.
In case you need any financial assistance, you can opt for home loans to meet all your home financing requirements. These home loans come with many exclusive features like property-search assistance, high value top-up loans, easy balance transfer facility etc. to make your house-buying process convenient and hassle-free.
A CIBIL score assesses the loan eligibility of a borrower. A low CIBIL score can make it difficult for you to get a personal loan.
To avail a personal loan in Pune with a low credit score, you can apply for it after improving it. Also, you can go for a personal loan without CIBIL verification. At times, banks and financial institutions offer personal loans without CIBIL verification by considering other factors.
With flexible repayment tenors and low personal loan interest rates in Pune, getting a personal loan is an easy task.
But, a low CIBIL score personal loan in Pune is a bit difficult. Lenders do not approve personal loan applications with low or no CIBIL score at one go.
However, you can still manage to get a personal loan in Pune without CIBIL verification. Read on to know such ways now!
Easy Steps to Get a Personal Loan in Pune Without CIBIL Verification
1.Apply For a Secured Personal Loan
CIBIL score is one of the significant eligibility criteria in a personal loan. A good CIBIL score gives a sense of security to the lender in case of an unsecured personal loan. But, if you apply for a secured personal loan, you can avail of it without CIBIL verification. It is because the collateral asset is an assurance to the lender for the repayment of the loan. You can provide gold, fixed deposit receipts, shares or an insurance policy as collateral security.
2. Make Use of a Stable Employment History
If you have a steady income record and a stable employment history, you can use it to convince the lender about loan repayment. In such a case, you may get a personal loan even without CIBIL verification.
3. Take The Help of Your Employer
If you are an employee in a company, you can take the help of your employer. Companies have loan policies for their employees. They also share a healthy relationship with banks where they hold the salary accounts of the employees. You can avail the benefits of the loan policy of your company or take help from your employer to approach the bank for your loan application. It often works in getting a personal loan without CIBIL verification.
4. Apply For a Joint Loan
You can apply for a joint loan with any of your family members as a co-applicant. If your co-applicant has a better credit score, it increases the chances of approval of the loan application.
5. Make a Lower Personal Loan Application to a Smaller Bank
There are small banks that do not have access to CIBIL scores. These banks provide lower personal loans at high interest rates. If you want to avail a loan without CIBIL verification, you can apply to these lenders. Since they do not check the credit score, it becomes easier to avail a loan without CIBIL verification.
6. Get a Guarantor
You may ask a family member or friend with a high credit score to act as a guarantor while applying for a personal loan. The guarantor’s good credit score is beneficial for loan application approval.
You can also approach private lenders if there is no other option. But, you must keep in mind that they charge very high interest rates. You can ask for help from a friend or relative in case of an emergency.
These were some ways in which you can avail a personal loan with low CIBIL score. You can consider one as per your profile and apply accordingly.
Bajaj Finserv brings to you pre-approved offers on its various financial products like personal loans, home loans and many more. It is to simplify the loan procedures to make it less time-consuming.
You can check your pre-approved loan offer by sharing some basic details like your name and mobile number.
HUDA housing scheme is a project undertaken by the Haryana Urban Development Authority aimed at providing affordable housing to the residents of the state. It introduced the concept of Group Housing in the various Urban Estates scattered across the state. HUDA has allotted approximately 800 acres of land to various registered housing societies and organizations.
HUDA Haryana plans to provide residential plots to different income groups in cities and urban areas like Ambala, Dadri, Faridabad, Hisar, Jind, Gurgaon, Kaithal, Karnal, Rewari, Rohtak, etc. Its reserve prices will be fixed according to collector rates, or at 80% of the current market prices (whichever is higher.)
HUDA initiative will help the hundreds of residents living in the industry-rich areas of Haryana to afford their private residential plot. You can avail a home loan to meet the finances required for the expenses without straining your budget.
How to Apply for Huda Scheme?
You can apply for this housing scheme as an individual or via housing societies or welfare housing organizations. You will have to sign-up at the HUDA procurement portal to participate in an e-auction. Let’s take a look at the step-by-step process to apply for housing under HUDA.
1. Log-in using your ID and password and navigate to the main portal.
2. Select the ‘Sign-Up’ button to navigate to the contractor/bidder/supplier signup form.
3. Fill in the necessary information correctly and submit the form. Keep the login details with you as it will be required to participate in the e-auction.
4. Select the client as Haryana Urban Development Authority while logging in for bidding.
5. You will see the dashboard which will hold a list of current events and properties awarded. Current events will carry the details of live auctions while the awarded section will detail the bids submitted and won by the buyers.
HUDA affordable housing can significantly reduce the number of funds you will have to spend to purchase a house in major areas of the state. A smaller amount is one of the crucial factors that impact your home loan interest rate.
You can also opt for an advance from a financial organization that offers benefits under Pradhan Mantri Awas Yojna. Leading NBFCs such as Bajaj Finserv offers assistance on these schemes which can reduce your home loan rates to only 6.93%, and help you save up to Rs. 2.67 Lakh during the loan tenor.
Eligibility criteria to apply for affordable housing under HUDA Haryana include –
Domicile – Applicants who belong to Haryana are only eligible to apply for HUDA Plot Scheme 2019.
Income – You can apply for the HUDA scheme only if you belong to the EWS (Economically Weaker Section). Your family’s (including the husband, wife and child/children) income should not exceed more than Rs. 3,00,000.
Previous ownership – An applicant should not own any other house or residential plot in his or her name in the state of Haryana.
Group D employees of the Haryana Government are eligible to apply for this scheme.
Furthermore, there are some guidelines you have to follow when you apply for a HUDA housing scheme.
1. You can become a member of a maximum of 5 co-operative societies and retain the membership of only one society after an auction.
2. Every applicant is allowed to own a maximum of one flat in a housing society.
3. You cannot apply for a Co-operative affiliation if your spouse or dependent children own a house, flat, or residential plot in the same urban estate.
HUDA is a great initiative to help the Economically Weaker Sections of the society acquire suitable residential accommodation in Haryana. Purchase a home with a low down payment via HUDA and secure the future of your family in the state Haryana for years to come.
Mobile health or mHealth is slowly becoming a ubiquitous topic, and almost everyone is beginning to get acquainted with the app. It is understandable as this has helped in the practice and delivery of healthcare services.
There is substantial potential to holistically adopt mobile health technology as an alternative to other channels of healthcare delivery. Owing to the inadequate resources and infrastructure, the delivery of healthcare services is a challenge. There are multiple financial, behavioural and structural factors which generate a significant need for mobile health services. Also according to recent studies, around 60% of the people now utilise mobile health services and its popularity is yet to grow further.
What is mHealth?
Mobile health can be defined as a general term representing the use of mobile phones and other wireless technological devices in medical care. It helps educate the customers regarding the various preventive healthcare services.
Advantages of mHealth
Mobile health technology improves coordination, diagnostic accuracy and also helps build a bridge of trust. The various mHealth benefits have been discussed below:
1. Improved Point-of-care Coordination
Previously, due to poor communication, ambiguities in product names, and also misunderstandings regarding product use instructions resulted in many medication errors. Use of mobile devices has improved coordination in more than one way.
2. Seamless Flow of Data
The healthcare system network is quite complex. The utilisation of mobile health efficiently can significantly reduce the intrinsic complexities of the situation and help move information more efficiently.
3. Enhances Convenience
It helps healthcare professionals gain access to vital data on-the-go via portable devices. It also allows doctors and patients share data by overcoming obvious physical and logistical barriers.
4. Real-time Communication
It allows doctors to remotely cater to the patient without the requirement of physical communication. Regular communication also builds rapport between the patient and the doctor.
Challenges Faced by mHealth
Although mobile health is widely approved, there are certain challenges which mobile health has been suffering. These challenges have been discussed as follows:
Healthcare is one of the most highly regulated industries. Some regulations need to be met for mobile devices to become acceptable tools. For example, the transmission of patient information is protected by HIPAA.
Security is one of the main concerns of the healthcare industry. Mobile devices have their own security concerns. Any flaw in the software may result in a breach of security which may lead to anonymous access to personal information apart from several other concerns.
3. IT support
Mobile devices require back-end support. These devices require a strong and also consistent wireless signal to be effective. IT personnel and other staff are required to maintain the network and provide support also.
Financial problems are another reason why some small healthcare companies are unable to adopt mobile health.
There are certain sections which require significant investment to systematically adopt mobile health. However, today may just be the best possible time to invest in mHealth considering the rapid growth in modern healthcare.
This also shows how mobile health technology can help boost profitability for doctors. The business loan for doctors can help the diagnostic centres, hospitals, doctors and healthcare professionals exploit the increasing prevalence of mobile health or mobile medical care among the individuals by enhancing their reach and their reputation.
The potential benefits of mobile health presently are more than the negatives. According to recent reports regarding the trends in telemedicine, Forbes had estimated that there might be up to 65% of mobile-relative interactions with healthcare services in 2019. This makes it evident that the road ahead will need mHealth and other mobile medical care services more than ever.
Author Bio -
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Accidents are a part of life, but more often than not, you don’t prepare for them as well as you should. Instead of scrambling at the last moment, it is important to consider buying a personal accident insurance policy. This provides monetary cover to ensure you and your family members can take care of medical expenses during such accidents without feeling a strain on your finances. In the event of an unfortunate demise, this insurance cover secures your family's future as well.
Once you have decided to take steps to protect yourself and your family by opting for personal accident insurance cover, consider buying the Personal Accident Insurance provided by Bajaj Finserv. With it you can enjoy reimbursement of up to 40% when you make a valid claim, along with several other benefits such as a hospitalisation allowance or a 10% premium discount if your policy covers two or more members, as well as a child education bonus.
Take a closer look at why investing in a personal accident insurance is a smart move.
Protect yourself from disability
In the unfortunate situation that you meet with an accident and face total permanent disability, you can get up to 125% compensation of the sum insured when you buy personal accident insurance. This is offered to you as a substitute to your income in case your disability renders you incapable of pursuing a job. Similarly, if you’re confined to a hospital owing to an accident and this is affecting your income, you can claim Rs.1,000 per day for up to 30 days when you choose Bajaj Finserv.
Enjoy a low premium and easy claim process
A primary benefit of personal accident insurance is that its premiums are extremely affordable. Typically, you can get an insurance cover of Rs.10 lakh at less than Rs.1,000 per year based on the issuer, plan and number of add-ons that you select. You can claim the amount by providing evidence of your injuries without any hassles. When you buy this policy from Bajaj Finserv, you also get a bonus of 10–50% for every claim-free year, along with easy settlement within 7 days of submitting your claim.
Get accidental death cover
If you sustain injuries that result in your untimely demise, the nominee receives the insured amount as compensation. These funds can help pay utility bills, fund your child’s education, cover unforeseen costs and provide financial security to your family.
Get child education cover
In addition to medical compensation, in the event of death or permanent disability, your children’s education costs are taken care of as well. When you take personal accident insurance from Bajaj Finserv, your family can claim 10% of capital sum insured for this purpose or get Rs.5,000 per child under the age of 19 years, whichever is lesser.
Now that you know how health insurance and personal accident insurance policies protect you, invest in it without any delay. Research the issuer and check the exclusions of the policy to know exactly what’s covered and what isn’t. To simplify and speed up buying insurance, check your pre-approved offer from Bajaj Finserv and use it to apply fast and hassle-free. Apart from this, also consider adding child personal accident insurance to strengthen the protection you offer your family.
Though getting a competitive home loan interest rate can reduce your EMI amount, repaying a home loan still takes a chunk out of your income. In such a scenario, you may be looking for additional financing for a variety of personal and professional needs. However, an unsecured loan may prove to be too expensive and a using credit cards may not give you a large window for affordable repayment. One of the best options is to avail a top-up loan on your home loan.
A top-up loan is not only easy to apply for, but also comes at an affordable rate of interest. Lenders will offer you a low interest high value top up on your Home Loan or Home Loan Balance Transfer so that you can meet your fund needs with ease. There is no restriction on how you can use this amount. You could use it to fund a wedding in the family, meet the education costs for your children, or buy a number of assets for your business.
However, when you apply for a top up loan to avail funds, your lender will keep a watch on certain factors to ensure that you can repay the loan along with your other EMI commitments. So, read on to know how you can secure more funds as a top-up loan on your home loan.
Work on your History with Repayment
Lenders look at your history with servicing loan amounts before granting you a top-up loan on your home loan transfer or home loan. Your credit score reflects your history with credit and lenders are willing to give you more money if you exhibit a healthy relationship with credit and do not have any large financial commitments in the present.
In case your existing lender is unwilling to offer you a top-up loan you can transfer your home loan with another lender who offers an array of benefits along with a substantial top-up loan sanction to make the most of your home loan.
Improve your Income
Over a period of time, there is bound to be a rise in your income as your career grows. This increase in your earnings gives you a better opportunity to get a higher top-up loan as lenders can count on you to be able to repay the new EMIs without defaulting.
Have a Valuable Property
It is highly likely that the value of your property appreciates over time owing to which lenders will be willing to offer you a hefty top-up loan. This is because the increased value of your property acts as secure collateral for your lender as all top-up loans are secured loans offered against your home.
Simply remember that you should not be using this additional loan amount for speculative purposes such as investing in the stock market, but rather put it towards any direct expense. Thus, buying a property in a prime location will prove fruitful especially if you intend on securing additional funds.
What are the Criteria to Get a Top Up Loan?
You must be a salaried or self-employed individual with minimum 3 years of work experience. If you are a working professional, in order to apply for a top-up loan, you must be a resident of India and between 23 to 62 years old.
How to Use a Top Up Loan
With a top-up loan in hand you can use fund an array of expenses such as:
- Pay for a wedding in the family
- Pay your child’s education expenses
- Travel the world with your spouse
- Buy machinery or equipment for your business
- Fund a business expansion
- Set up a new office or factory
- Buy land or a warehouse for your existing business
- Fund medical emergencies
- Invest in another property
Securing large amounts as a top-up loan on your home loan has never been easier. So, check your pre-approved loan offer today and avail a customised top-up loan deal from lenders.
The city of the Nizams, Hyderabad, has become a prime destination for home buyers. The affordable real estate prices and the rapid growth of IT hubs have rung in this trend. Today, the city is home to some of the top IT companies in the world. When it comes to investment, most people stick to mutual funds and bank fixed deposits.
But if you know how to use real estate as an investment tool, you can profit from it too. And, if you have the patience, it can even outrun your expectations. If you are looking for residential property in Hyderabad, PBEL City has a wide range of housing options. PBEL City Hyderabad offers luxurious 2 BHK and 3 BHK apartments. It also has an in-house playschool for your child along with the best in class sports arena.
Here are the top four reasons why you should choose Hyderabad to buy your home:
# Low cost of living
The cost of living is a crucial factor when you make any real estate investment. But this is not the case with Hyderabad. Even though it is a metropolitan city, the lifestyle is cost-effective.
In fact, in Hyderabad you can enjoy all the conveniences of a big city without shelling out too much. And if you choose a property like PBEL City, you can live luxuriously without much of a pocket pinch.
# Employment opportunities
Most young people are more inclined to setting up home in locations that have employment opportunities. Like Bangalore, Hyderabad has also become the preferred destination for the IT industry.
This has led to the creation of more jobs and spiked the demand for real estate. Thus an investment in property in Hyderabad is guaranteed to give you good returns.
# Excellent infrastructure and connectivity
Hyderabad’s infrastructure and connectivity have transformed remarkably in the last few years. The city’s promising infrastructural growth rate is increasing every year. The growth of IT and non-IT enterprises can be observed in popular places like Gachibowli, HITEC City, and Nallagandla.
The Outer Ring Road (ORR) is one such development project that has maximised road connectivity around Hyderabad. The inclusion of the Metro Rail across the city has boosted the connectivity options further. Coupled with government’s support the property market is all set to grow. So, whether you buy a home here or keep this as an investment, it will be a lucrative venture.
# Real estate in Hyderabad offers good returns
Real estate prices in Hyderabad are only rising. The need for land and homes is always increasing in this big city. For example, places such as Kukatpally saw a 7% rise in prices while it was over 4% for HITEC City. Those who have already invested here in Hyderabad, needless to say, are reaping handsome returns. Besides this, major corporate players such as Apple, Google, and Amazon are setting up their businesses in the city.
Hence, a real estate investment in Hyderabad promises a great return in future. Look out from gated communities like PBEL City, Hyderabad. These are great for renting out and ensure great resale value too.
So, without further delay, look for a suitable opportunity and invest in the property market. Buying a home is easier than ever before. You can get your home loan approved in no time. Both banks and non-banking financial companies (NBFCs) offer loans at good interest rates. NBFCs like Bajaj Housing Finance offer home loans up to Rs.3.5 crore and top-up loans up to Rs.1.5 crore.
By now that you know that Hyderabad is an ideal investment destination. So, keep the above points in mind and check out some excellent flats for sale in Hyderabad. In case you want an apartment, PBEL City Hyderabad offers some amazing flats at attractive prices. Truly, your new property in Hyderabad will be worth every penny.