We often tend to blame credit cards for poor credit score and falling into the trap of debt. The bitter reality that low credit score and debt cycle can cause lack of financial support and self-control.

A well- chosen credit card is, in fact, an effective tool to increase your credit score.

Read this article to find the best way to credit cards to increase your credit score. Scroll it down. Have a happy reading ahead.

1. Use credit card to build credit history: The best way to build credit history is without incurring cost to avail a credit card. Just like loans, credit cards do not incur any interest cost as long as you pay back the left over dues in full or do not avail any EMI or loan option. Credit cards offer benefits like cash backs, discounts and many more. It this is used wisely, you can come up with wide profit margin. If you cannot avail credit cards, take an option for security cards.
2. Try to pay back bill by due date: Credit card issuers have a report card transactions to the bureaus for calculation credit score. Delays and default often leads to low or reduction in credit score. So it is better to use your credit for the expenses that  can be repaid by the due date. You can convert your credit cards to EMI if you have a huge amount to pay.
3. Your credit utilisation ratio within 30% : This ration is the percentage of the total credit limit used by you. Lenders usually prefer lending to those having credit utilisation ratio is within 30%. So try to aim at limiting your credit utilisation ration with 30%. But if your credit utilisation percentage exceeds 30%, you can request for an additional credit card.
4. Try to avoid multiple credit card applications within short time span: If you use multiple credit cards within a very short time span, you will end up with low credit score. Instead of making direct application with multiple card issuers, you can visit various online sites to compare your credit offerings. It can actually increase your credit score without having bad impact on them.
5. Close your old credit card very carefully: While closing your old credit card, there can be the average reduction of your credit facilities and can also lead lenders to reduce your credit score. So to reduce the impact on your credit card score from closing old credit cards, request other credit card issuers to request their credit limit.

So these are best 5 ways to increase your credit score by using credit cards. Try these ways, we assure you that you will end up with high or wide margin.

Stay connected with us for further updates. Till then goodbye. Have a nice day.

Being a start-up company in the era of mass-oriented, large business is like fighting a Goliath. It can be difficult for start- up companies to establish their own business.

But if you prepare a proper planning, you can actually achieve success. But it is very unfortunate that the rate of failures of start-up companies is very high. If you are goal-oriented person with firm belief and foresight, you have no reason to worry. Being start-up is not so easy. You have to face a lot challenges to find your place in the market.

How to outwit Big Companies

Success may not come so easily to the start-up companies but if you are persistent and is goal oriented, you are moving on the right track.

But there are 4 things that you must know before taking any kind of risk. These 4 small bur effective ways will surely help you to compete with big companies. Keep scrolling the article down to read. Have a happy reading ahead.

1. Carefully choose your Niche: According to the survey, 40% of start-up companies fail because they lack market need for their products. The creation of that product which will be in no demand in the market can actually ruin your business. First of all you have to think about who you are aiming at and how the customers will get benefit from this product. You have to be very specific regarding your choosing your niche. It can be anything product or service that will customer’s life easier and lavish.
2. Be very Flexible: Rigidity is of no use when economy is at stake. When things seem unstable, you can easily readjust and temporarily change your marketing strategies and policies. This is a great opportunity. You can apply different kinds methodologies but it is not that you have to stick to it forever. So these changes can actually bring positive views for start-ups.
3. Create a Strong Company Culture: You have to know what you are basing your company. The culture of company is the fundamental base of success. Its core values and mission are what the employees work. Creation of strong company culture makes a sense of belonging and creates a friendly atmosphere. Employee morale will be high and there will a strong bond and team work will there in such environment. If the employees are happy, customers will automatically be happy.
4. Establish more Connections: Sometimes getting the right people and right track, is the key to the door to success. When you are a start-up, you really need supporters, advisors, and the most important- investors. Therefore it is very important to establish new connections. The same thing goes for searching employees also. Sometimes the best ones are those whom you hire by accident.

Failures happens in every company but these minor and common mistakes to prepare you for the bigger challenges.

If you try or implement these 4 ways into planning strategies, we assure that you will start climbing up the ladder of success and business.

Millennial communication is very different from the past generation. Communication now-a-days have been shut down in a chat box full of  GIFs, videos, stickers and many more. When we have to solve a problem, we search in You Tube for video tutorials to solve that issue.

Many millennial prefer methods of connection and communication involving an abundance of emojis, GIFs, memes and acronyms.

How to create business in this generation? How do to create a customer experience that will make an impact and create a loyal customer out of this this generation? Here is the ultimate guide to create experience with a millennial mind.

Scroll it down to keep reading.

Actually there are five key terms or concept that is very helpful in breaking the noise and tailor, your customer

• Be authentic
• Show but do not tell
• Work around their schedule
• Try to speak in their language
• Know your audience

Be authentic

Create a trustworthiness and transparency. It allows you to create a connection with the customer in an authentic. Think beyond your tagline and provide as much as possible information. The millennial knows the better from the best.

Every product has its own story to tell. Convey that story in an unique way to the customers  and create a brand story. Have engagement to social media and be very careful while choosing your AI to replace customer support.

Show but do not tell

This generation is the generation of convenience, quick, efficient and speedy. Create your own ways to showcase your product through videos, images and it can create a brand loyalty. Provide a clear message to the customer as lousy messages can create a lot of confusions.

All customers have their own preference –but your millennial customers are special  and you must to know how to reach them. Use videos, GIFs to promote your product and create brand loyalty. Today’s customer are 95% more likely to remember a call to action after watching video, compared to 10% who can read a call to action in text format.

Work around their schedule

Millennial are willing to work ever after their work schedule. Therefore there is huge demand for cloud based tools, digital communication.

Providing visual references to your customers makes the customer feel that you are aware of  their precious time and their specific time. You can nurture the journey of the customers.

Try to speak in their language

Adopt a right way to communicate with millennial customers. Sending quick videos, recording actually prevent the reputation of your company. Visual communication actually saves time and is very appealing to the customers. As a picture is worth saying than 1000 words. It has a great memorising value.

Companies can save time by using various ways like: on boarding new customers, proving feedback of customer, answering the questions of customers, explaining the complicated work flows of the company and many more.

Know your audience

Generation Y and Z  are extremely visual creatures. Young people today are growing up with internet, android phones, smart phones and social media as a rule. It is not an exceptions.

Millennial still may remember the sound of dial-up internet but the generation does not even know the life before Wifi.

Use this facility to connect more deeply with your customer. We assure you that you will create  a millennial-approved, positive and future foresight thinking customer experience.

Hope you liked this article. Do not forget to stay connected with us for more updates. Till then goodbye. Have a nice day ahead.

India as a country has seen quite a few progressive/regressive changes in the recent past and hopefully the progressive list would increase in the coming days. However, there are certain issues that have always been a taboo in our country and one such issue is of ‘Menstruation’, more commonly called periods. It is very difficult to have an open discussion about it as people seem to get extremely uncomfortable and prefer to discuss it behind closed doors. The debate on the ‘Menstruation Benefit Bill’ tabled by Ninong Ering, a Member of Parliament in Lok Sabha representing Arunachal Pradesh in 2018, triggered widespread discussion on the need to have menstrual leave policy for working women every month.

The Menstruation Benefits Bill seeks to provide women working in the public and private sectors two days of paid menstrual leave every month as well as better facilities for rest at the workplace during menstruation. The benefits would also be extended to female students of Class VIII and above in government recognized schools. However, the Bill if passed would not be path-breaking in any way as a girls’ school in Kerala had granted its students menstrual leave since 1912 and Bihar has had special leave for women for two days since 1992 called, ‘Special Casual Leave’.

Countries like Japan, South Korea, Indonesia, and Taiwan have been providing female employees with paid menstrual leave dating back to World War II. However, the humiliation and shame that a woman had to undergo just to prove that she was actually on her periods led many women to avoid availing the leave all together.
Different bodies respond differently to the pain and discomfort experienced during menstruation. Given the difficulties and biological complexities that women go through, I think it is extremely important that such a Bill be passed and women be given every right to avail of this leave when required.

While speaking of the Bill, it is important to keep in mind certain medical conditions that are associated with menstruation such as menorrhagia, endometriosis, fibroids, pelvic inflammatory disease and the subsequent considerations of the above mentioned problems while formulating the bill in its entirety. It is obvious that such a heated topic of discussion would invite opinions from all corners and people do have varying opinions on the same. A section of women are not in favor of this Bill because they believe that such a law would further the bias against them at workplace and they would need to deal with unfair treatments in the form of hiring bias, lesser pays, slower promotions and lesser participation in board meetings than already prevalent. Can we blame them?This is exactly what needs to be changed. Women should not be punished for their biological framework. If women need to tolerate their pain in silence just to ‘fit’ in and not be outcast then then we surely are paddling the patriarchy cycle ahead. It is important to remind ourselves that when we talk about equality at workplace it means equality of all working conditions for men and women and not just those that can be accepted or rejected based on convenience. This is not a choice that women make every month, so if someone finds it difficult to be at the work for conditions not under their control then they should simply be allowed to avail the leave. The first few Indian companies to have implemented this practice were Culture Machine followed by Gozoop, and then few others followed suit such as W&D, a feminine intimate health focused company and industry ARC, a Hyderabad-based market research firm. A few other progressive companies are in talk to implement the same.

It is essential that for such a law to be in strict practice, the dialogue and conversation around it need to be there and well formulated working policies as well as labor laws need to be in place. There are enough bias against women at workplace and otherwise, so for this bill to be successfully passed it is very important that a sensitive, well chalked out and carefully planned policy be incorporated.
In a country where the word menstruation is met with raised eyebrows and disgust, proposing for a ‘Menstrual Leave’ policy will be difficult but nevertheless a much needed change in the right direction.

When a person is depressed, it can be tempting to relieve depressive symptoms by turning to drugs and/or alcohol. An estimated one-third of people with clinical depression engage in substance abuse as a form of self-medication to relieve feelings of hopelessness, low-self-opinion, and despair.

Although these chemical intoxicants may temporarily relieve symptoms, they can also make depression more severe and trigger or intensify the negative feelings and self-destructive behaviors associated with depression.

People who have depression are at an approximately 10% lifetime risk of suicide, a risk that increases to 25% if substance abuse is added to the equation.

The substances can also become addictive, with the body becoming more dependent on their effects, the more a person uses them. In this way, depression and substance abuse feed into each other, with one condition often making the other condition worse.

Over time, substance abuse may not only intensify depressive symptoms but also eventually lead to health problems such as brain damage.

Risk factors for depression and drug abuse
Certain people are at an increased risk for depression and therefore an increased risk for a substance use disorder.
People who are unable to work
People who do not have medical insurance
People suffering from depression experience more than occasional feelings of sadness and symptoms can manifest physically, as well as mentally. Some common symptoms of depression include
Shared factors contribute to depression and substance abuse
Research has shown that many of the factors involved in depression also contribute to substance use disorders. For example, both conditions seem to stem from problems involving the same brain chemicals and pathways, as well as factors such as family history and previous trauma.

Studies have shown that people with depression have lower levels of dopamine; drugs of abuse are also known to alter dopamine levels. The hormone serotonin is the neurotransmitter most commonly associated with depression and other mood disorders. Similarly, people with alcoholism have alterations to serotonin receptors.

Among people with certain mental health disorders, reward pathways in the brain are dysfunctional. Similarly, people who abuse cocaine also seem to have dysfunction in these reward pathways.

Stress and trauma during childhood
Stress and trauma during childhood also increase a person’s risk of developing both depression and a substance abuse disorder later in life. Examples of events that may trigger childhood trauma and stress include the death of a parent, sexual or psychological abuse, domestic violence, and neglect.

The Brain & Behavior Research Foundation states that, while an association between childhood trauma and depression in adulthood does exist, further research is needed to establish why susceptibility to depression is more common in these individuals.

Clinical research has suggested that exposure to stress during childhood lowers levels of the “feel-good hormone” oxytocin, which affects feelings of trust and bonding. A brain region called the hippocampus, which is involved in memory and emotion, also tends to be smaller in people who suffer from chronic stress.


According to the National Child Traumatic Stress Network, some research has shown that children who have been exposed to trauma, experience stress regularly, or have post-traumatic stress disorder (PTSD) are at an increased risk for substance abuse. The studies indicated that between one-quarter and three-quarters of people exposed to childhood trauma started using substances of abuse to help them cope with their feelings. Studies have even shown that these people find it difficult to stop using the substances because the negative emotions then start again

Without proper treatment for the depression that drives addiction, or vice versa, patients are at risk of returning to their addictive behaviors or experiencing a recurrence of depressive symptoms.

Treatment usually involves a combination of medication and therapy. Antidepressants may be prescribed to help stabilize mood and drugs that help patients withdraw from substances may be used, as required. At the backbone of treatment are therapies such as individual counseling and group therapy to provide a stable foundation for addressing the problems that are related to both disorders.

It sounds like a wacky fantasy, but scientists believe that it rains diamonds in the clouds of Saturn and Jupiter.Diamonds big enough to be worn by Hollywood film stars could be raining down on Saturn and Jupiter, US scientists have calculated.Rain is precious at the best of times, but this is something else entirely.New atmospheric data for the gas giants indicates that carbon is abundant in its dazzling crystal form.It sounds like science fiction, but as much as 10 million tons of diamonds may be stored in Saturn and Jupiter.

Earlier theories included only Uranus and Neptuneas suspected diamond producers. Scientists suggested that intense temperature and pressure on those planets may be able to convert atmospheric methane gas directly into diamonds, which rain down into their interiors.
Jupiter and Saturn, which are presumed to have much lower temperatures and less methane, have traditionally not been associated with the capacity to form these precious gems.

Diamonds are made from highly compressed and heated carbon. Theoretically, if you took a charcoal bricket out of your grill and heated it and pressed it hard enough for long enough, you could make a diamond. (Good luck with that.)On Earth, diamonds form about 100 miles underground. Volcanic magma highways then bring them closer to the surface, providing us with shiny gemstones that we stick in rings and ear studs.

The atmosphere of Jupiter is primarily hydrogen and helium, with trace amounts of methane, water vapor, ammonia, and silicon-based compounds. There are also traces of carbon, ethane, hydrogen sulfide, neon, oxygen, phosphine, and sulfur. Saturn and the other gas giants are similar in composition (Uranus and Neptune have less hydrogen and helium and more methane, ammonia, and water). If you go low enough in the atmosphere the pressure increases to the point where this carbon gets compressed into diamonds, which fall deeper into the atmosphere. Mind you now that the “atmosphere” is denser than lead at this point, so the diamond “rain” falls toward the center of the planet very very slowly, probably taking thousands of years to reach the interior. The “diamonds” are likely also very small, not much bigger than a grain of sand.

About half of one percent of Saturn’s atmosphere is methane. Jupiter has only about 0.2 percent. On Uranus and Neptune, however, close to 15 percent of the atmosphere is made up of the gas.


graphite keeps falling. When it reaches the deep atmosphere of Saturn, for example — around 3,700 miles down — the immense pressure squeezes the carbon into diamonds, which float in seas of liquid methane and hydrogen.Eventually the gems sink toward the interior of the planet (a depth of 18,600 miles), where nightmarish pressure and heat melts the diamonds into molten carbon.

You know that Saturn has a lot of methane, right? That mehtane in the atmosphere starts forming droplets and in the initial phase, it starts falling down as a liquid. Now, on planets like Jupiter and Saturn, there can be huge thunderstorms (and when I say huge, I mean it!! Temperatures could go as high as 30,000 Kelvin!!!! That’s 5 times as hot as the surface of the sun!!!). Lightning from those thunderstorms hits the methane raining from the clouds and turn them into soot. That soot, is hardened as it falls down because of the huge pressure and slowly, as it hits the surface that soot gets converted into graphite and eventually diamonds.

Some ways are intellectual property rights. It is having a full proof right on property. Like coca Cola is in market from 1891 but no one knows the secret formula for its syrup. Nobody can make a cold drink like coca Cola that is a entry barrier. Others ways are patent and licensing method. This is used mostly in pharmaceutical company the medicine Invented and licensed by them will only be sold by the inventing company and no other company can sell it.

Next way is the economies of scale which means buying products or raw materials in so bulk that cost per unit decreases and then presenting the finished product on competitively low priced. Your competitors will not be able to sell on your price and customers will choose you because they are getting same product at low price

Bhagat Singh was an Indian socialist activist who at 23 years of age made him a hero of the Indian independence movement by two acts of dramatic violence against British citizens in India and his executions.

The Simon Commission was set up by the British government in 1928 to report on the situation in India. The Commission was boycotted by many Indian political parties because there were no Indians in it and there were protests throughout the world. Lala Lajpat Rai led a demonstration in protest against it when the Commission visited Lahore on 30 October 1928. Attempts by the police to disperse the crowd have contributed to violence. Police Superintendent James A. Scott ordered police charges against the demonstrators and targeted Rai personally, who was wounded. On 17 November 1928, Rai died of a heart attack. Doctors suspected that the injuries he had suffered may have hastened his death. The British Government denied any involvement in Rai ‘s death when the matter was discussed in the parliament of the United Kingdom.

Bhagat was a prominent HRA member and was possibly primarily responsible for his change of name in 1928 to HSRA. The HSRA promised Rai ‘s death to avenge her. Singh conspired to destroy Scott in cooperation with revolutionaries such as Shivaram Rajguru, Sukhdev Thapar and Chandrashekhar Azad. In a mistaken identity, however, on 17 December 1928 the plotters shot John P. Saunders, an assistant police superintendent, leaving the Lahore Police Headquarters.

The current reaction to the killing differs significantly from the adulteration which occurred later on. In addition to the HSRA, the Naujawan Bharat Sabha, who coordinated the Lahore demonstration, noticed that attendance at subsequent public meetings was dropping drastically. Politicians, activists and publications, including The People, founded by Rai in 1925, stressed the preference for violence to not cooperate. Mahatma Gandhi, the Congress leader, denounced the killing as a retrograde step but later Jawaharlal Nehru wrote:

         It was not his act of terrorism that made Bhagat Singh famous but because he seemed to comfort Lala Lajpat Rai for the moment, and the nation through it. In just a few months, each village and town of the Punjab and to a lesser extent in the rest of northern India, he became a symbol, the act was forgotten, the symbol remained and resounded with its name. Countless songs about him grew and the popularity that the man got was awesome.

The group escaped from the district police station through the D.A.V. college entrance after the killing of Saunders. Chanan Singh, the chasing head of the Constable, was wounded fatally by covering fire from Chandrashekhar Azad. They then raced away to safe houses by bicycle. A large search operation was conducted by police and all entries and exits from and to the city were blocked; all young men who left Lahore were tracked by the CID. For the next two days, the fugitives concealed. On 19 December 1928, Sukhdev appealed to Bhagwati Charan Vohra to support Durgawati Devi, often referred to as Durga Bhabhi, wife of a HSRA member. Early the next morning, they decided to take the train from Lahore to Bathinda on the way to Howrah.

The following day Singh and Rajguru left the house early, both with loaded revolvers. In Western clothes, Singh and Devi went as a young couple carrying Devi’s sleeping boy, while Rajguru wore their luggage as their servant. Singh managed to disguise its identity during ticket transactions at the station and the three boarded the train to Cawnpore. There they boarded the Lucknow train, as passengers in the direct train from Lahore normally were checked by the Howrah Railway Station CID. Rajguru left for Benares at Lucknow while Singh, Devi and the child went to Howrah and all of these people came back to Lahore a couple of days later, except Singh.