key skills for professionals

 key skills for professionals

people in India always looking for a high-paying job but they struggle with it because of deprived of skills that are in demand as demanding skills pays more than the old one because the company searches also looked for new talent with updated skills so here the difference comes between the salary and in growth opportunities so today we will discuss some skills which are in demand and can opt as a professional.

High-paying skills  to have in 2022

1: Digital content creation:

As a digital marketer, you can work in any kind of niche and can create content for that . mostly work do by content creator is generating unique and plagrism free content which attract the users to read it and keep them engaging.

work done by digital content creator:

  • writing blog post
  • can work as an digital photographer
  • can create infographics
  • can work as an audio producer who have expertise in podcast creation

How to become digital content creator:

if you want to excel in this field then fistly you should choose the kind of content you want to adopt and then take course in audio production.

earning of digital content creator:

it depends with kind of content you are dealing with but a video editor earn around $120000 manually and as a podcast creator can expect around $75000 anually.

2: website design:

 every online business basic requirement is to have a good website which is well designed and functioning here the skills of website design comes . the web designer are the responsible for creating attractive and functional website which helps in build a business so if you are creative one and don’t occpy skills of coding don’t then its a good career option.

how to become web designer:

if you possess any degree in graphic design , computer science so you can easily opt this career .

earning of web designer:

it is not a high paying job but still you can expect around $100000 anually.

3: Graphic designer:

if you have skills of graphic designing then it can give you a high paying salary. as a graphic designer you are responsible to designing the visual element in  offline and online ads. what are the common things a graphic designer do.

  • create company profile
  • logos
  • website graphics
  • ad graphics

how to become graphic designer:

you just need to enroll in a graphic designing course from any university. it  don’t need any kind of degree . if you can not afford the course then there are lots of free online course available where you can learn too.

earning of graphic designer:

Around $40000 after having experience $45000 .




KEY SKILLS FOR PROFESSIONALS

What are skills?

Skills are something which is not taught in schools or colleges, but rather they are acquired from experience. In today’s digital era where everyone is hunting for jobs and mostly college students are searching for part-time jobs, it’s not going to be easy to get a job with only a degree. You have to develop professional skills that will make you stand out from the crowd.


What are professional skills ?

Professional skills are combination of both hard skills as well as soft skills.

What are soft skills?

Soft skills are universal skills that are not tied to any particular job; rather, they are basic skills that are important for any employee.

15 examples of soft skills-

  • Communication
  • Teamwork
  • Problem-solving
  • Time management
  • Critical thinking
  • Decision-making
  • Organizational
  • Stress management
  • Adaptability
  • Conflict management
  • Leadership
  • Creativity
  • Resourcefulness
  • Persuasion
  • Openness to criticism
  •  source –https://resources.workable.com/hr-terms/what-are-soft-skills#:~:text=Communication,Openness%20to%20criticism
  • How to develop soft skills?

    You can develop soft skills by reading books on soft skills training or simply by observing senior employees handling pressure or the way they communicate with the team.

    What are hard skills?

    Hard skills are a set of skills specific to a particular job. They are acquired through formal education and internships.

    Most important in-demand hard skills:

    • digital marketing
    • coding
    • google analytics
    • app development
    • artificial intelligence
    • content writing
    • project marketing

    How to earn through these skills?

    1) Earn as a freelancer

    There are many online sites which connects clients with freelancers.

    Here are the list of freelance platforms-

    • Toptal
    • Flexjobs
    • Fiverr
    • Upwork

    2) Sell your E-books

    E-books are a great way to sell your skills. Like if you are a musician, you can write a step guide to learn piano and then create a pdf and you can offer pdf download through PayLoadz or DPD services.

    3) Become an consultant

    If you have knowledge of growing new business then you can also earn online. 

    if you want to be a consultant then TOPTAL will be the best for you.


    4) Sell online courses

    If you have expertise in any field then you can sell your online courses.

    As everyone is searching everything on internet so it is a good opportunity to capture their attention.

    Adoption Under Hindu Law

     Adoption Under Hindu Law

    The Hindu Adoptions and Maintenance act:


    The Hindu Adoptions and Maintenance Act was enacted in India in 1956 as part of the Hindu Code Bills. The other legislations enacted during this time include the Hindu Marriage Act (1955), the Hindu Succession Act (1956), and the Hindu Minority and Guardianship Act (1956). All of these acts were put forth under the leadership of Jawaharlal Nehru and were meant to codify and standardize the current Hindu legal tradition. The Adoptions and Maintenance Act of 1956 dealt specifically with the legal process of adopting children by a Hindu adult, and with the legal obligations of a Hindu to provide “maintenance” to various family members including their wives or parents, and in-laws.


    Application of this act:


    This act applies to Hindus and all those considered under the umbrella term of Hindus, which includes a Hindu by religion in any of its forms or development; a Buddhist, Jain, or Sikh; a child legitimate or illegitimate whose parents are Hindus, Buddhists, Jains or Sikhs; a child legitimate or illegitimate one of whose parents are Hindus, Buddhists, Jains or Sikhs and has been so brought up; an abandoned child, legitimate or illegitimate of unknown parentage brought up as a Hindu, Buddhist, etc.; and a convert to the Hindu, Buddhist, Jain or Sikh religion.


    Persons who are Muslims, Christians, Parsis, or Jews are excluded from this definition. The act does not also apply to adoptions that took place before the date of enactment. However, it does apply to any marriage that has taken place before or after the Act had come into force. Moreover, if the wife is not a Hindu then the husband is not bound to provide maintenance for her under this Act under modern Hindu Law.


    Who can adopt?


    Under this act only Hindus may adopt subject to their fulfillment of certain criteria:


     The first of these asserts that the adopter has the legal right to (under this Act that would mean they are a Hindu). They have to have the capacity to be able to provide for the adopted child. Thirdly the child must be capable of being adopted. Lastly, compliance with all other specifications must be met to make the adoption valid.


    Men can adopt if they have the consent of their wives or all of their wives. The only way of getting around obtaining the permission of the wife or the wives is if she or if they are unsound if they have died if they have completely and finally renounced the world, and if they have ceased to be a Hindu. Unmarried men can adopt as well as long as they are not a minor. However, if a man were to adopt a daughter, the man must be twenty-one years of age or older.


    Only unmarried Hindu women can legally adopt a child. A married woman can only give her consent to adoption by her husband. A married woman whose husband adopts a child is to be considered the mother. If the child is adopted and more than one wife is living in the household, then the senior wife is classified as the legal mother of the adopted child.


    Who can be adopted?


    The adopted child can be either male or female. The adopted child must fall under the Hindu category. The adoptee also needs to be unmarried. The child cannot be the age of fifteen or older unless again it is custom or the usage applies to the involved parties. Adoption can only occur if there is not a child of the same sex of the adopted child still residing in the home. 


    Legal implications for an adopted child


    From the date of the adoption, the child is under the legal guardianship of the new adopted parent(s) and thus should enjoy all the benefits from those family ties. This also means that this child, therefore, is cut off from all legal benefits (property, inheritance, etc.) from the family who had given him or her up for adoption

    The Difference Between White Hat SEO And Black Hat SEO

     The search engine optimization (SEO) is a good way to promote your blog on Google search results and other search engines. For those who don’t understand how SEO works, here you can find several SEO articles that might help you, but we need to be also aware of the good and bad SEO techniques that could have a direct impact on our ranking.

    This article will shed some light on the terms known as black hat and white hat SEO and we will get to know what’s good and what is not when we optimize our website and its content.

    black hat and white hat seo

    What is Black Hat SEO?

    From the ‘SEO dictionary’, the term black hat SEO has to do with the abusive techniques that will force the search engines to look at a specific site and rank it. This might work at first, but the algorithms can already see some of these techniques that have become common for a fast result.

    Such practices to trick the search engines are, for example, the excessive use of keywords, especially in headings and subheadings; transparent keywords to the user or the so-called hidden text, automatically generated content, pages redirecting automatically to other content and more.

    What is White Hat SEO?

    The white hat SEO has to do with the good techniques in the ‘eyes’ of the search engines. These are considered ethical techniques for the ranking, helping thus, the positioning of a website or blog. However, working on the white hat is a process that requires dedication and results may take longer to appear (this is why so many people opt for black hat in order to ‘try’ something more ‘effective’) but the results could be much more safe and satisfactory on a long term.

    Keep in mind that Google has plenty of tricks up its sleeve to penalize anyone who doesn’t act in accordance with the policies and rules of their website – this includes removing your page from any of the positions. Fair enough, after all, why Google would ‘reward’ somebody with the top spot if the site doesn’t provide good content for its users and at the same time, doesn’t meet the requirements of the algorithm?

    For those who are interested and want to get to the top of Google search results, visit the webmaster guidelines page. There, you can find more information about how to create good content, how the design of your blog/site should be and how to work with your links. Also, you can find mentions about black hat SEO techniques.

    Key Skills for Professionals

     Key skills for Professionals

    Key skills are employability skills that you need for work and they are very important for life also. By developing these skills, you can improve the chances of a better job and better career. These play a great role in your CV also. You have better chances of selection for the job if you have better skills.


    Key skills are of two types:


    • Soft skills- Soft skills are personal qualities that show your personality trait such as leadership, communication, problem-solving, Work ethic, Interpersonal Skills, Leadership skills, Stress Management, Organizational skills, Analytical skills, etc.

    • Hard skills- Hard skills are based on the job you need to perform. They are related to specific technical knowledge and training like technical Skills, Presentation skills, Design skills, Data analysis skills, Writing Skills, Marketing skills, Project management skills, etc.

    Soft skills

    1. Communication skills

    Communication skills are the most common and frequently used professional skills in our life. You use communication skills to give and receive different kinds of information, and it helps you to understand and be understood by others while communicating. These skills may include sharing ideas with others, actively listening to conversations, responding, and public speaking.

    2. Teamwork skills

    Teamwork skills are the qualities and abilities that allow you to work with a group of people during conversations, projects, meetings, or other collaborations to achieve a common goal. Your teamwork skills are dependent on your ability to communicate well, actively listen and be responsible and honest. 

    3. Time management

    Time management is the process of organizing, planning, and dividing your time between specific activities. Good time management skills enable you to work smarter, not harder. If you work smartly, you will get more done in less time, even when time is tight and pressures are high. Failing to manage your time while performing a task will damage your effectiveness and cause stress.

    4. Problem-solving skills

    Problem-solving skills help you determine the source of the problem and find effective solutions and will advance your professional skills. Companies rely on people who can assess both types of situations and quietly identify solutions. Problem-solving skills are valued by employers in any job and are extremely useful in other areas of life such as relationship building and day-to-day decision-making.

    5. Creativity

    Creative thinking means your ability to use the imagination to generate new ideas or the ability to think about a task or a problem in a new or different way. Creative thinkers look at things from a unique perspective that is invisible to others. They can find patterns and make connections to find opportunities in complex systems. If you are a creative thinker, it will assist you to solve complex problems or find interesting ways to approach tasks.

    Hard Skills

    1. Technical Skills

    Technical skills include specialized knowledge and expertise in fields such as IT, engineering, or science. Typical technical skills are abilities to use specialized software or equipment.

    2. Presentation skills

    If you want to deliver effective and engaging presentations to a variety of audiences, you need to have good presentation skills. It includes interaction with the audience, transmitting messages with clarity, engaging the audience in presentation, etc.

    3. Design skills

    The design industry is growing nowadays. As a designer, you can bring out your creative side with interesting visuals and graphics. There is no limit to what a designer can illustrate with their unique skill. If you want to be self-employed and work as a freelancer, you should learn how to design, and it is an excellent skill to have.

    4. Data Analysis Skills

    Data analysis is the process of retrieving, organizing, and analyzing information to help a company to improve production, efficiency, or other valuable aspect of the business’s operations. Data analysts generally work in all industries, from retail to academia. They have to collect their data. From the collected data they create reports that summarize patterns and offer solutions to their customers in the form of updated systems, procedures, or protocols.

    5. Writing skills

    Writing is one of the important skills that is used in almost every organization. Effective written content help to influence the reader. These skills are also used in technical and scientific jobs, to write emails, documents, etc.


    Thus, we came through various key skills that are useful to work effectively. If you want to get the job you should work on improving your skill whether it is soft skills or hard skills.

    Top 10 professional skills a person should have

     Professional skills 

    What are professional skills ?

    Professional skills are important to succeed in your career. They are the soft skills a person should have when he or she is contributing towards their company . This skills are not specific to any job but those who knows this skills and understand them they will be more beneficial in their future.

    Soft skills such communication, leadership, time management and way of talking, can also help professionals work with the people around them and help them manage tasks.

    Top 10 professional skills a person should have 

    1. Leadership skills – 

    Those who is having leadership quality in them will be more succeed in their life. They should know how to manage people, how to motivate them , how to help others with their work. Many things contribute in the leadership skills . For managers and supervisors, leadership may also involve knowing when and how to delegate tasks and adjusting your management style according to the personality and working style of each employee.

    2. Teamwork skills – 

    As we know Teamwork skills is important for any company to work efficiently. It’s important for professionals to be able to work effectively as part of a team , which means completing your own tasks while remaining aware of your colleagues abilities and need .

    3. Organisation skills – 

    You should know how to organise a thing in effective manner so you can complete your task in given timeline. For completing a task every employee has different timeline and different type of task so they work according to their task but always remember you should complete your task in given timeline then only it make sure that you are having organisation skills .
    It’s also important that you’re able to prioritise tasks and complete them in an appropriate order, starting with the most important.

    4. Communication skills – 

    Everyday we communicate with eachother so having communication skills is soo important . If you are not having communication skills then you are lacking in skills . Communication skills include the ability to adapt your delivery or tone of voice to the task at hand . For example, if you are a manager in a company then you should know how to communicate with your employees and if you are employee then you should Kno how to communicate with your manager these things always affect the person mindset.

    5. Problem – solving skills –

    Every company has their own problems as they work on different purposes so manager always look on those employees who is having problem solving skills on them . 
    Imagine a company having some problem related to their sales but you don’t know what to do for inhance their sales then manager will not appreciate you they just criticize you for not knowing the things and not having any problem solving skills .
    So it’s important to have this skills .

    6. Emotional intelligence – 

    Emotional intelligence refers to how we express our feelings, relate to other people and interpret their actions or behaviours. People with emotional intelligence are good at understanding how others feel based on their actions, speech , body language or behaviours. 
    If manager understand what employee feels and employees understand what manager feels then it easy to work together in the same company. 

    7. Adaptability – 

    Adaptability is the quality to adapt the situation whether it is comfortable to them or not . Manager is always looking for the team members who are flexible and able to adapt their work and behaviours to the situation at hand .
    If employee adapt the situation and work accordingly it will surely beneficial to the company as well as for the employee also as employee will get appreciation from the manager.

    8. Negotiation and persuasion – 

    These skills involve the ability to listen to the other person’s perspective and come up with valid compromises that allow both parties to get what they want and feel positive about it . If a person having negotiation skills it will surely help him to make friendly environment in the surroundings. As every company has their own rules and regulations and they don’t want to change it so negotiation will help to come up with a solution which help both the parties having equal value and benefit.

    9. Ability to work under pressure – 

    Well not everyone having the ability to work under pressure they get frustrated easily which is not good for the company’s environment. Employee should keeping calm and work with the greater extend to get the result . Employers understand everyone gets stressed from time to time , but knowing that you will be able to remain calm and continue working even in high stress situations can give them confidence in your ability, making this is an important professional skill to develop.

    10. Confidence – 

    Professionals who are confident with their work always get success in their hand . Having confidence in your work not only help you to perform better, but it can also help convince your managers or supervisors of your capabilities and may lead to opportunities for advanced in the future.

    Everything everything

     Everything Everything by Nicola Yoon 


    Welcome to Maady’s world


    Nicola Yoon debut novel Everything everything is one of the New York bestseller of all times. The book was published in 2015.The character Madeline Whittier is one of the coolest life that one could read. She is a teenager who is unable to go outdoors due to her illness. It is a bubble boy syndrome. The daring and risking life that one lead amidst the challenges and risks one faces is beautiful woven in the book. The book is mostly preferred for youth and adults alike. The book is also adapted to film. The innermost feelings of each character is revealed in the book. The formation of different bonds that she formed in her life. The beautiful life of a daughter and her loving mother. Her life was changed by the arrival of Olly. New bonds and her life shifts to a new turn.

    Sacrifice, resistance, love and daring acts are spilled through out. New adventures and journeys embark in herself. The quote which one like from the work “Life is a gift” and “They said it wasn’t worth my life, but I said that it was my life, and it was up to me to decide what it was worth.” The new finding about herself. Will her life turn upside down?. Will she able to survive amidst all these? Madeline always wished for a magical cure. Will a magic wand change her? “ The house trembles and my books  vibrate on the shelves…Doors open and close…It’s happening again.” The rating of the book is 4.6 . To know more. Take the book..

     Happy Reading…

    Nancy Tirthani

     

    1.     https://eduindex.org/2022/07/28/upcoming-car-in-august-2022-which-5-luxurious-cars/

    2.     https://eduindex.org/2022/07/21/commonwealth-games-2022-pm-modi-will-hold-talks-with-the-indian-team-going-to-participate-in-commonwealth-games-today-will-give-victory-mantra/

    3.     https://eduindex.org/2022/07/18/two-smartphones-of-oppo-will-be-launched-today-will-get-80w-super-fast-charging-50-will-be-charged-in-15-minutes-know-details/

    4.     https://eduindex.org/2022/07/16/shabaash-mithu-vs-hit-box-office-rajkummar-rao-is-a-hit-ahead-of-taapsee-pannus-balle-know-the-first-day-earnings-of-both-the-films/

    5.     https://eduindex.org/2022/07/15/netflixs-cheapest-plan-is-coming-soon-join-hands-with-microsoft/

    6.     https://eduindex.org/2022/07/14/12u2-summit-2022-i2u2-meeting-today-modi-biden-attends-virtually-the-eyes-of-the-world-on-the-meeting/

    7.     https://eduindex.org/2022/07/13/icc-odi-rankings-india-rewarded-after-spectacular-win-over-england-leaves-pakistan-behind/

    8.     https://eduindex.org/2022/07/12/ind-vs-eng-shikhar-dhawan-return-india-playing-eleven-could-be-against-england-in-first-odi/

    9.     https://eduindex.org/2022/07/11/thor-box-office-collection-khuda-hafiz-2-was-blown-away-in-the-storm-of-this-hollywood-movie-thor-earned-so-many-crores-in-4-days/

    10.  https://eduindex.org/2022/07/08/ind-vs-eng-rohit-sharma-made-history-becoming-the-first-captain-in-the-world-to-win-as-many-matches-in-t20i-cricket/

    11.  https://eduindex.org/2022/07/07/free-youtube-premium-subscription-free-for-12-months/

    12.  https://eduindex.org/2022/07/06/world-test-championship-pakistan-had-a-huge-advantage-by-losing-the-indian-team-do-you-know-why-that-happened/

    13.  https://eduindex.org/2022/07/05/rishabh-pant-breaks-72-year-old-record-to-become-top-foreign-wicketkeeper-in-a-test-on-english-soil-2/

    14.  https://eduindex.org/2022/07/04/the-former-england-captains-prediction-about-virat-kohli-came-true-it-happened-as-he-said/

    15.  https://eduindex.org/2022/07/02/neeraj-has-confident-of-throwing-90-meters/

    16.  https://eduindex.org/2022/07/02/head-and-lyon-lead-australia-to-10-wicket-win/

    17.  https://eduindex.org/2022/07/01/cryptocurrency-a-clear-threat/

    18.  https://eduindex.org/2022/07/01/sindhu-pranay-in-quarterfinals/

    19.  https://eduindex.org/2022/06/30/neeraj-is-the-medal-contender-in-diamond-league/

    20.  https://eduindex.org/2022/06/30/no-one-in-the-title-character-is-dunki-taapsee/

    21.  https://eduindex.org/2022/06/29/team-india-will-travel-to-new-zealand-after-the-t20-world-championship/

    22.  https://eduindex.org/2022/06/29/the-beginning-of-the-era-of-akash-at-reliance-geo/

    23.  https://eduindex.org/2022/06/28/ranbir-alia-are-going-to-be-parents/

    24.  https://eduindex.org/2022/06/28/jugjug-jio-earned-36-93-crores-in-the-first-weekend/

    25.  https://eduindex.org/2022/06/27/indian-captain-rohit-sharma-has-tested-positive-for-covid-19/

    26.  https://eduindex.org/?p=94184

    1. https://eduindex.org/?p=94166
    2. https://eduindex.org/?p=94151
    3. https://eduindex.org/?p=94149
    4. https://eduindex.org/?p=94139

     

     

    Manoswee Parineeta

     Articles are written by Manoswee Parineeta

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    Media as the Fourth Pillar of Democracy

     Media as the Fourth Pillar of Democracy

    As the largest democracy, India is considered a role model for a large number of developing countries. We have state and central governments elected by the people. We have a government run by our own elected representatives, known as Members of Legislative Assembly (MLAs) in the state and Members of Parliament (MPs) at the center. The democratic government has three pillars:

    a) A Legislature: State Assemblies and Parliament, responsible for framing laws and deciding the way we run our affairs.

    b) An Executive: The Governor, the Chief Minister, and the Ministers who run the state and the President, Prime Minister, and the Council of Ministers who run the country.

    c) A Judiciary: The Supreme Court, High Courts, and other courts decide whether laws and constitutional provisions are followed by the elected governments.

    The fourth pillar of Democracy:

    Media work to provide information about what is happening in our surroundings. Media keep an eye on everything happening in the nation and it is the fastest way to know about current happening and other relevant information. Media is considered the fourth pillar of democracy. It plays an important role as play by the legislature, executive, and judiciary in the functioning of a democratic country. As these three pillars run the government of the country for the welfare and development of all the people, the media also work for the same.

     In a democracy, the people should know what the three institutions, namely the Legislature, the Executive, and the Judiciary are doing for the welfare of the people. These institutions in turn need to know how the people are reacting to what they are doing. This can be only possible through the media because media is the easiest way to disseminate information quickly and easily across the country.

    The government can’t spread the information about the decision they made or new policies they made, to individual people of the country. And it is also not possible for the citizens of the country to keep an eye on every decision-making of government. So, the media is the only way to connect both. The main role of the media is to act as a bridge between the people and the government.

    Media can spread the information about government through TV news, newspaper, website, or social media platform, which help people to get in touch with what is happening in the administration. In the same way, the government can know about the needs, demands, thoughts, and problems of people. This helps them to work for the betterment of the nation. Media also work to expose corruption and raise social issues. Thus, the media play a great role in the functioning of the country.

    Real estate, types of real estate

     Real estate

    Real estate is property in the form of land , houses, or other buildings. It is real property that consists of land and improvements , which include buildings , fixtures , roads , structures , and utility systems.
    It having generally immovable property . 
    For anyone who want more gain in property with low investment and more gain they should have real estate . 
    There are many benefits of investing in real estate include passive income , stable cash flow , tax advantages, diversification, and leverage.
    There are five main categories of real estate which include residential, commercial, industrial, raw land , and special use.
    Investing in real estate includes purchasing a home , rental property, or land . Investment in this immovable property help person in future as everyone need money for their survival without money nothing can been taken in this world . So by investing in these properties people will gain more with their less investment after sometime in the future.

    Types of Real Estate

    1. Residential real estate – 

    Any property used for residential purposes. Examples include single – family homes , condos , cooperatives, duplexes , townhouses, and multi-family residences.

    2. Commercial real estate – 

    Shopping centres, restaurants, schools , hospitals, and office spaces all are some examples of commercial properties that we are probably familiar with. Investing in them is more expensive as computer to residential properties, but the chances of profit generation are better too.

    3. Industrial real estate – 

    Buildings and factories used for manufacturing goods and warehousing are known as industrial properties. They are generally located far away from the city to avoid the citizens getting affected by their pollutants. Each factory produce polluting agents so it’s better that it should be far away.

    4. Mixed use real estate – 

    Mixed use real estate is fun investment because it allows you to play with both residential and commercial real estate.
    The cool thing about mixed use real estate is that it can be single homes zoned on commercial land , which means a home can become a business such as a barber shop or boutique. It also includes properties like apartment building with retail stores on the first floors. 

    5. Land – 

    I think buying a land is one of the best idea in this generation. As day by day the price of land is increasing and if one person buy land today then in future he will get profit as their price will increase. Here investors typically receive more ROI when they purchase a building and rent it out as opposed to buying property with the purpose of holding on to it and selling it at a later date .
    So investing in a real estate is good idea for anyone . We always need some property to ensure our financial condition will be good in the future. If a person don’t have any real estate he or she will regret later as everyone need money for their livelihood and maintaining their status in the society.
    Try to invest in real estate it will surely help you in your difficult time .

    Describing "Loan"


    What’s a loan?

    A loan is anything loaned to another person in exchange for future repayment of the loan value plus interest and other financing charges, whether it be property, money, or other tangible goods. A loan can be obtained as an open-ended line of credit with a set maximum or for a fixed, one-time sum. There are many various types of loans, including unsecured, secured, commercial, and personal loans.


    Know about the loans


    A loan is a debt that a person or an organisation incurs. A lender is the other party to the transaction; typically, it is a government agency, financial institution, or business. They lend the borrower the necessary amount of money. In exchange, the borrowers consent to pay a specific set of conditions, such as any finance fees, interest, etc., using the money they initially borrowed.

    How is the loan process carried out?


    You apply for a loan from a business or a bank when you need money. You must supply particular information, including the reason you need the loan, as well as your financial background, Social Security Number (SSN), and other facts that may differ from lender to lender.

    In order to determine if you can afford to repay the loan, the lender will examine your application and look at your debt-to-income ratio. The lender will either accept or reject your application based on it. If your application is turned down, the lender is required to give a justification.

    A contract between you and the lender is signed if your application is accepted. The loan amount, together with interest and other fees, are sent to your account by the lender.

    Before a loan contract is completed and funds are dispersed, certain terms must be agreed upon by both parties. The loan paperwork will specify any requirements for collateral, which the lender may in some circumstances require. The majority of loans also include clauses defining the maximum rate of interest and the grace period before repayment is necessary.

    When and why are loans given?


    Loans are given out for a variety of reasons. A borrower can require a loan to finance a purchase, debt relief, business endeavours, home improvements, or for investments. Business loans can support a company’s expansion.

    Loans, in other words, enable the expansion of an economy’s total money supply and promote competition by funding new enterprises. Lenders (banks) receive income from the interest and other fees they charge borrowers.

    When taking out a loan, one key consideration


    The importance of interest rates to a borrower is one of the key considerations when applying for a loan. The borrower will spend more money for loans with higher interest rates since they require larger monthly payments or take longer to repay than loans with lower interest rates.

    What inquiries must to be made while applying for a loan?


    A few inquiries one should make while applying for a loan include:

    Q. How long will it take to receive the funds?,

    Q. What is the loan’s interest rate?,

    Q. What is the loan’s duration? Do there charge any fees?

    What are the three primary categories for loans?


    Loans can be divided into three basic groups: traditional, open-end and closed-end loans, unsecured and secured loans.

    What elements influence loan approval?


    Loan approval is influenced by a number of variables, including credit score, debt-to-income ratio, down payment, employment history, home valuation, and condition.

    Amritsar- The Holy City

     Amritsar- The Holy City

    Amritsar also called Ambarsar and historically known as Ramdaspur, is located in the Punjab state of India. It derives its name from Amrit Sarovar which was built by Guru Ram Das in the village of Tung. Guru Ram Das believed that the waters of the lake had healing powers. Amritsar is the largest and most important city in Punjab and is a major commercial, cultural, and transportation center. It is also the center of Sikhism and the site of the Sikhs’ principal place of worship—the Harmandir Sahib which is popularly known as the Golden Temple. The hospitality of Amritsar is very good and the people here are so overwhelming.

     5 most important reasons to visit Amritsar


    1.    The very first reason to visit Amritsar is Golden Temple. The peace and tranquility of the temple is the main reason why travelers love visiting the temple. The langar served at the temple is yet another reason why this is a popular place to visit in Amritsar. The Architecture and ambiance of the temple will touch your heart.


    2.    The second thing is the Wagah border. The Wagah Border is what divides India and Pakistan. Every evening, a ceremony called the ‘lowering of the flags’ is hosted half an hour before the sunset, and it sees a huge gathering on both sides of the border. The ceremony has been going on every day since 1959 and is worth an experience. 


    3.    The third reason to visit Amritsar is Jallianwala Bagh. No Indian can forget the massacre and the tragic history of the Jallianwala Bagh during India’s struggle for freedom. The memorial is a tribute and a way to pay respect to everyone who lost their lives here. Still, you can see the signs of history here.


    4.    The fourth thing is food, which is so good that you can’t stop yourself. You eat at one Dhaba, and you’ll find yourself eating at a Dhaba throughout your trip to Amritsar. Kesar Da Dhaba is one of the most popular Dhaba in the city, and you’ll be drawn to it the moment you’re anywhere near it. The smell of desi ghee and parathas will draw you to the Dhaba. It’s also one of the oldest dhabas in the city. You will find a lot of Dhabas in Amritsar and don’t forget to order a big glass of lassi while you’re at it. The chole, parathas, dal, and phirni are some of the other specialty food items you must try out.


    5.    The fifth reason is locals and the market. Interacting with the locals is one of the best things to do in Amritsar. You will learn a lot about their culture, and you will leave with a bunch of friends and a wonderful experience. The people here are extremely hospitable and will become your best buddy very quickly and quite easily. Head over to Old Amritsar to experience what Amritsar is all about. You will find a lot of bazaars here and some that have been there for over a hundred years. 

     Thus, the reasons to visit Amritsar are endless. Once you visit the place you will connect with the place heartly. This place will teach you to how to enjoy your life happily and keep others happy too.

     

    Tourist Destination and 5 reasons you should visit Goa

     What do you mean by tourist destination?

    A tourist destination is any city or place where you can visit and explore things. It attracts the nature of that particular place, the beauty, the most historical monuments, temples and their famous food.

    Goa

    Goa is the smallest state in India. It is bounded by the states of Maharashtra in the north and Karnataka in the south and east and the Arabian Sea in the west. Goa’s capital is Panaji. It is located 400 km south of Mumbai. Goa is very famous for its beaches and its goan foods. The climate of goa is equally high and low temperature throughout the year and it receives rainfall in the monsoon season. 

    Agriculture is an important factor in goa’s economy. It has a large fisheries industry and they have agricultural farms where they grow mangoes, cashew, sugarcane, pulses, coconuts, and betel. 

    The transportation service to Goa is available by road, sea, rail and air.

    Goa is the most beautiful place to visit and explore new things. Till now I have not visited goa but for sure to go one time for a vacation. There are some famous beaches, food and monuments there. 

    Let’s explain it briefly

    1. Calangute Beach

    It is one of the most popular beaches in Goa. It is located in the district of North Goa. The main tourist attraction is in New Year and Christmas time and during the summer of May. Calangute beach is the most adventurous beach. It has many watersports like parasailing, banana rides and jet- skiing.

    2. Fort Aguada

    Fort Aguada is situated in North Goa. From September to March it is the best time to visit Fort Aguada and see the beauty of the fort. It is built at the mouth of the Mandovi river and it takes 2 hours to visit and sees the entire fort.

    3. Baga Beach

    Baga beach is situated in North Goa. It is a popular beach with bars, restaurants and clubs. It has many watersports such as parasailing,net-skiing, kite surfing, and wakeboarding. There is a Tibetian market on Baga Road for shopaholics. 

    Baga beach has an indoor snow park where you can enjoy many games in the play area and sledge in the sledging area.

    4. Dudhsagar waterfall

    Dudhsagar waterfall is also known as the Sea of Milk and it is the highest waterfall in India. November and December is the most beautiful time to visit Dudhsagar waterfall and the nearest railway station to reach Dudhsagar waterfalls is Castle Rock Station. It is located in the Mandovi river in the state of Goa.

    5. Butterfly Beach

     Butterfly beach is located in south goa. It is also known as honeymoon beach. Butterfly beach has a very beautiful view and is surrounded by a thick forest. These beaches have dolphins and butterflies on the top hillside.

    5 reasons why you should visit Goa 

    * Goa is a beautiful place to go for a vacation with your loved ones. You can enjoy the sunset beach walk and doing shopping in the markets.

    * Goa has its famous food which is called Goan food. Goan food is incomplete without fish, rice and fish curry. Once you eat this Goan food you will always be in love with this famous Goan food of Goa. Another snack which is very popular in India is the samosa. Many people love samosas but Goan samosas is one of the best snacks served in every tea corner or stall in Goa.

    * In Goa you can enjoy doing watersports available on beaches. Example – parasailing, jet- skiing, banana ride, boat ride, Ringo ride, windsurfing and many more.

    * If you want to enjoy a festive atmosphere you can plan a trip to Goa. Many carnivals are there to enjoy and the church at Christmas time. It is one of the most beautiful views in Goa.

    * Dolphin spotting is another reason you must visit Goa. There are many dolphins on Goa beaches and if you take a banana boat and ride into the ocean you will see dolphins jumping out to play. Candolim beach is very popular for dolphin spotting.

    Hope you will find this blog helpful if you plan a trip to Goa and if you want more details about the planning and booking of tickets, and resorts in Goa, you can check their official website.