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How To Buy The Best Towels For The Home

One of the most underrated elements in the house, towels are some of the most useful items you could have. They dry off the skin after a shower or workout, and keep you feeling dry and comfortable. You wish to overhaul your bath linen this season, and buy towels of different kinds. This article offers a simple guide on how to do this.

Never bought a towel online before? Here’s how you do it:

* Size matters.

The size of the towel depends on its purpose. It naturally follows that bath towels are the largest in size, followed by hand towels, then face towels. Though most bed linen brands have standard sizes in all categories of towels, it is better to be aware of the sizes beforehand. When the brand advertises something as a bath towel set, it should measure 70 cm x 150 cm or 86 cm x 180 cm if it is a large variant. Similarly, hand towels usually measure 40 cm x 55 cm, and face towels measure 30 cm x 30 cm. Please check the towel sizes before adding the products to your shopping cart.

* Colour and prints matter, too.

You are now aware of towel sizes. Let’s consider the colours and prints you might like. Bath linen is not just about adding a touch of luxury to your bathroom, but it is about being visually appealing to you as its user. You might use whichever towel is available for use in your closet, but you will subconsciously gravitate towards a towel whose colour and design you like. There are umpteen colour and print options available in all categories of towels online, so choose the ones that appeal the most to you.

* Look for high absorbency.

A towel’s primary task is to dry the skin rapidly and not allow excess moisture to return to the skin even if the wet towel comes in contact with your body again. This means that the towel you buy must be highly absorbent. Other equally important attributes include plushness (this indicates towel thickness), light weight, a quick drying technology in the fabric, etc. Cotton towels with an anti-bacterial and/or quick dry make are best. They do not remain damp for long, so that mould and germs do not gather on it. Anti-bacterial towels are great for keeping away infectious germs and microbes, and they do not lose their quality even after regular washing and use.

* Check the best deals.

Online shopping is the easiest and most convenient option, since it allows you to browse multiple brands on one screen and pick the best deals. This festive season, online bath linen brands offer heavy discounts on the choicest picks in towels of all types and sizes. You should browse among comparable brands and pick the products that fit your budget and other expectations. Comparing prices across brands gives you an idea of what each brand is offering, in which colours and at what price. If you are buying towels online to gift somebody, you can have the products gift wrapped and shipped to their house address.

* Pay online and await delivery.

Do check the brand’s exchange and returns policy before proceeding to checkout. Once you are certain of your purchases, you can pay for them online using the available payment modes. Once purchased, the store sends updates on dispatch and shipping, with a tracking ID that you can use to know where the product(s) has reached. Most brands deliver their products within a week, but there may be slight delays in delivery during the festive season.

Stronger Immunity With Ayurveda

Let us first learn how the immune system works and everything about it. Human Beings have a basic immune system since birth, which is known to be weak. We have constant interaction with the microbes in our environment, which goes into and within our gut. We then learn how to fight against the new microbes, which then helps to improve the immune system.

In the name of hygiene, for the last 4 years, excessive usage of microbicidal lacks interaction with plants, soil, and various other organisms, which are known to have gradually made our immune system weaker over time. A function of a few cells, enzymes, and immunomodulatory chemicals that help attack pathogens and avoid them from creating new or existing diseases.

Diseases in Ayurveda, are widely classified as Nija and Aganthu.

– Nija, which are diseases, are caused by an imbalance that has been originated by understanding one’s natural tendencies.

– Aganthu has been discovered by an external factor, which might quite contain various injuries, physical and mental trauma, no focused health and hygiene policies as per a particular society.

Ayurveda does indeed have remedies for almost all significant diseases, well known in society. What is more relevant in the era we are living recently in is the important microbe sources surrounding air, water, and land. This is relevant not solely because of the infections that spread through these realms, but the overall impact of water, soil, and air because of the exploitation done by us human beings, the climate change, and the use of excessive antibiotics, and various other chemicals are known.

Ayurvedic remedy for a stronger immune system has known to be the Herbal Immunity Kit. It is 100% organic, vegan, plant-based, gluten-free, non-GMO, sugar-free, causes no allergies, and GMP Certified. Available at a reasonable cost, this herbal immunity kit contains a monthly supply of Grandma’s Kadha and a mug to pour and drink your herbal drink in. The Herbal drink contains 13 adaptogenic ayurvedic herbs. This herb is known to naturally maintain the immune system and ward off the flu, cold, or cough.

Kadha is created for coughs and is created with antibiotic, anti-microbial, and anti-inflammatory ingredients. This herbal drink helps you run through a wellness journey with stronger health. Drop the capsule into hot water and drink it up! It does not only boosts your immune system but also helps maintain your weight.

It is very easy to affect our immune system and guide it wrongly to function. Some of those factors are,

1. An imbalanced diet- Having a diet with no balanced nutrients can cause a weaker immune system. You consume all the required nutrients for your body, and your immune system shall work effectively in your favour.

2. Excessive Alcohol Intake- Alcohol consumption is normally known to be bad, and that is because your immune system gets heavily affected by excessive alcohol intake. Alcohol dehydrates your body to a whole new level, and water is the most important for your body’s functionality.

3. Irregular sleep- Sleep is another important factor in keeping your digestive tract and immune system in line. If you lack sleep, rejuvenate and get back on track, as sleep is vital to keep your body running sane.

4. High Stress- Stress is known to be an emotion caused by the brain, which you control. Hence, avoid the stress, chant, meditate or do yoga, and get yourself away from stress as stress-eating is a well-known thing in today’s world. We experience many people stress-eating and gaining pounds over pounds, unhealthily.

5. Chronic Medications- Do not use medicines for a long time; it has a heavy impact on your kidneys, firstly, which in turn affects your immune system’s strength.

6. Dehydration- Always keep yourself hydrated, no matter what. Your body requires lots of water to function all the organs properly and remove out toxins from your body.

Ayurveda or Ayurvedic medications and remedies can take a long, but it sure has improved the quality of life in many individuals and their systems. Always remember, any problem that appears to vanish quickly can come back quickly too. Hence, always try to look for a long-term change of lifestyle factor instead of an easy, quick remedy that can bite you back later.

Get a consultant for construction services to get the best from the cost

Consultants play a key role in construction projects, but what exactly is the role? For example, are you aware that construction consulting services can assist you in making your construction project more efficient, resource-efficient and make your building more valuable now as well as in the future? On this day, you’ll discover all the ways consultants can help your project. Let’s dig in!

Construction consultants’ role

A large segment of the world economy is construction, and it’s predicted to grow even more. Being unproductive by nature, this industry can benefit greatly from optimization. This can, for example, be accomplished through a consultant. Nevertheless, consultants aren’t always worth the investment. You might wonder, “What can construction consultancy companies in India do for my construction project?

How do consultants typically contribute to construction projects?

Consultants work on a project-by-project basis and are often dedicated to completing highly specialized tasks. Various types of consultants are involved in construction projects. As a consultant, you may assume the role of a project manager, architect, service engineer, or cost consultant. Third-party technical inspectors, such as Commissioning Authorities, are also available. On a high level, consulting tasks include:

Assisting with and developing the design
Managing projects and tasks related to it
A contract’s administration
Inspection of contractors’ work
Providing sustainability advice
Providing advice and assisting with the project’s development

What are the ways consultants can assist your construction project?

It’s simple. An in-house team may not have the same diversity of specialist talent as a consulting firm. A consultant that has worked on similar projects can also be a more time-effective alternative since the data and expertise they’ve built over time can assist with your project.

Specifically, consultants can play an important role in construction projects by assisting with delays and lapses, achieving your operational goals, ensuring the building’s ROI, and overall improving the overall construction process.

A consultant can help you anticipate expenditures before they become time-consuming and expensive. Why should you hire a construction consultant? Recruiting labour for construction projects is a challenge. Using consultants can develop a flexible workforce that meets your needs and helps improve time-cost quality in construction. By working with them on a need-to-know basis, you incur no overhead expenses.

The sooner you start working with consultants, the more they can help you. As you know, if a serious planning mistake is discovered months or even years into the project, the costs will rapidly exceed any consulting fee. Conceptual design projects and mobilization for consultants are the best times to work with construction consultancy companies in India.

How do the latest solutions on the market let consultants save money and improve ROI?

Having worked on projects like yours, consulting firms know what products and services will suit your needs. You can save costs and maximize the ROI of your project by implementing the most cost-effective solutions available. Construction consultancy companies in India, for example, are always testing new approaches. Based on their findings, they then apply the new approaches to their client’s projects.

The consultants working on your construction project will work together with your technical and commercial teams to reach your goals. When you hire a consultant whose speciality is value engineering, you will recover the fee quickly. Hence, you save both direct and indirect money, and your project will be high-quality. There you go. You now know more about what the role of consultants in construction projects can look like, and you know how much return you will receive.

Wedding Night Planner: Some Dos And Don’ts

Planning and having a wedding is one of the most exhilarating but stressful events in one’s life. It’s the start of a new life with your spouse, and though the future will unfold in time, the journey begins with the wedding night.

Let’s face it – the wedding night puts a lot of pressure on couples. If you’re about to get married and are worried about the wedding night, this article is for you.

First, the Dos…

Be fresh and prepared for the wedding night. This means getting out of your bridal wear, taking off all your jewellery and makeup, and taking a calming shower. Your nerves might jangle due to excitement or tension from the evening’s festivities – this is normal and you can calm down with a bath prior to sleeping.

[Also Read: 5 ways to ensure intimate hygiene during period sex]

Clean yourself down there. Being clean down there will give you the required confidence for your wedding night. Use a good intimate hygiene product like the Nua hygiene wash to clean your vulva thoroughly during your shower. The Nua female intimate hygiene wash is a foamy and fast-cleaning formulation that maintains the skin’s pH balance and cleans any dried discharge or other substances in the area. Once washed, pat the area gently with a soft towel and do not rub vigorously.

Wedding Night Planner: Some Dos And Don'ts

Talk first. It helps to ease into the wedding night with light conversation, or even a shared snack or drink. You’ve just had a big evening of celebration and are emotional about entering a brand new phase of your life. It is normal to feel teary eyed or even apprehensive about the future, and you might feel that you are suddenly left alone with a man that you will now share your home and life with. Ease into the night by chatting with your spouse, and getting ready for bed by changing into a comfortable night suit.

Use protection. Unless you and your partner have specifically discussed it, always use protection for sex. If yours is an arranged marriage, you are probably not familiar with your partner’s body and what they like in bed, and they are unfamiliar with you, too. So till the two of you are convinced about having unprotected sex or are trying for a baby right away, it is best to use a condom for wedding night sex.

It’s okay to not have any sex. We are raised on a diet of films and TV shows that all depict the wedding night as one where sex mandatorily happens. This is not true: sex should happen only when both partners are willing. If you are too tired from the wedding festivities, or feeling bloated with food, or just plain anxious, you can just agree to fall asleep without having sex. Some couples postpone sex for their honeymoon instead of having it right away after getting married.

Now for the Don’ts…

Don’t agree to sex if you don’t want to. Every sexual encounter with your partner must happen organically, instead of being forced. If either partner is not comfortable or is too tired to have sex, just agree to have it when you are both in the mood.

Don’t go along with behaviour that makes you uncomfortable. You and your partner must sync well in bed to enjoy sex. If there is anything that makes you uncomfortable, stop at once and explain why you don’t wish to do it. It could be a new sex position, using toys, filming the act, and so on. Similarly, respect your partner’s wishes if they don’t wish to do something in bed.

Shop as you need, with buy now, pay later offers on loan apps

There’s no need to delay your purchase of a new smart TV or iPhone because you lack funds. India’s fintech industry is growing, and there is a variety of easy ways to finance your purchase. We aren’t talking about durable consumer loans. There are new “buy now, pay later” apps designed to let you buy now and pay later. They offer 0% interest on purchases within 15 days. Lastly, confirmation and payment take only a few seconds, and there are no OTPs or PINs to enter. What’s more, there is virtually no risk of payment failure. Amazing, isn’t it?

You also must have noticed over the festive season that many e-commerce apps offer the option of “buy now, pay later” – meaning that you can pay for that Zara jeans in instalments if you want. The BNPL service is available on many other essential delivery platforms as well, such as food delivery and travel booking.

Perhaps you would think there would have to be a credit check involved? But there isn’t. Several fintech companies use alternatives to determine how much you can safely borrow, such as checking your bank statement and online shopping history. You don’t need a credit score to use these apps. As a result, you’ll go through the sign-up process seamlessly, and your loan will be approved immediately.

What does “buy now, pay later” mean exactly?

BNPL’s are small-ticket loans that let consumers make online and offline purchases using apps with instant payment features, such as Paytm and PhonePe. With short-term financing, consumers can purchase products and then pay for them over a set period. They may choose to pay for the purchases in a lump sum upfront or through the use of no-cost EMIs. In essence, it allows borrowers to buy what they want today and pay for it over time. So a 22-year-old without a credit card has the option to purchase a laptop for 4-5 monthly payments, which is almost the same price as a credit card.

How did it become so popular?

BNPL’s biggest advantage is that it offers short-term credit to young consumers that lack credit cards in India. Market research suggests that millennials and Gen Z are eager to use this model since they don’t have a history of credit but need short-term credit.

Lockdowns and job losses caused by the pandemic and salary cuts have helped BNPL grow in India. As a result of the pandemic, hyper-local merchants in India, who serve over 30 million users, experienced a 40% increase in daily essentials purchases from their apps. It is anticipated that in 2021, BNPL payments in India will grow by 72.7% on an annual basis to $6327.2 million, and India is expected to be one of the fastest-growing markets due to its demographics and large youth population. Market share is expected to increase from 3% to 9% in e-commerce by 2024.

For what purpose is it used?

By using the ‘buy now, pay later’ platform, consumers can order food, groceries, medicines, etc., from hyperlocal sellers and pay the accumulated amount later. This combination of higher purchasing power and informal access to credit is what is driving the rise of BNPLs in India.

What about the cost?

Buy now, pay later plans generally do not charge fees or interest, but the Buy Now Pay Later provider will charge interest if the buyer fails to repay the amount within the repayment period. Additionally, late payments will impact the credit score of the buyer.

In addition to convenience, “buy now, pay later” products offer innovative solutions. For example, to use the buy now, pay later apps, you must download the app, sign in, check your spending limit, and begin shopping. Customers must finish a basic know your customer process, after which a credit limit is immediately available. For a BNPL, anyone above 18 years of age must complete an e-KYC process, after which the lending partner approves the loan amount. The lender is responsible for making sure due process is followed before lending credit, which includes taking data from customers, checking their bank statements, their KYC, and verifying their identification and PAN number.

Fat Freezing In Dubai – What, Why, & How of Coolsculpting

Fat Freezing in Dubai? Are you someone who is considering it? Are you exploring and wanting to get all the details about the treatment? Well then, here we are to give you all the necessary details you need to gather. This article will also help you make an informed decision if you decide to go further with this treatment.

Fat freezing in Dubai is one of the most popular procedures that helps with the reduction of one’s body fat. It has gained much more popularity over recent years due to its nature of being non-invasive. The non-surgical treatment has many admirers all over the world, opting for it to look and feel more confident.

Coolsculpting is a treatment where one does not need any anaesthetic, cuts, or surgeries. Fat freezing is basically a cosmetic treatment that eliminates the extra fat by freezing fat cells in the body.

It is a safe option out there, being FDA approved.

Reasons to Choose Fat Freezing In Dubai

Coolsculpting is one of the most wonderful technologies in the world. This is the one cosmetic treatment that many people are on board with. Did you know that as of now, 7 million coolsculpting procedures are done worldwide?

People choose coolsculpting or Fat freezingfor various reasons. But, here we have rounded up a few of the main ones that might give you more clarity if it is right for you as well:

This Is A Comfy Procedure

The procedure of fat freezing in Dubai is very much comfortable throughout. There is not much for you to do before your procedure, rather than having a light meal and staying dehydrated. Coolsculpting is comfortable that you will get relaxing vibes afterwards. You can also just go ahead with your daily routine right after you have had your session at Kaya Skin Clinic.

This Treatment In Non-Surgical

When we think about any fat reduction procedure, our mind’s first thought is surgery. But, when it comes to Coolsculpting or fat freezing, it is not the case. The reason is that the procedure does not require any sort of anaesthetic, cuts, or surgeries, as mentioned above. This is a procedure that does not require temporary sedation as well. One can keep their eyes open and talk throughout the duration of the procedure without even feeling a little bit of pain.

So, the main advantage of this procedure is that this lets one go about their day. You can go to work or return to your daily routine, anything after your session.

This Treatment Can Be Used For Many Areas

After research and experimentation, it has been established by experts in the field that fat freezing is actually an effective treatment for many areas of the body. Some of those areas include love handles or flanks, upper arms, inner and outer thighs, bra and back fat, double chin, the fat underneath the buttocks, abdomen, and upper arms.

Side Effects of Fat Freezing In Dubai

Although the procedure is pretty safe for anyone, it does have a few side effects of its own. However, the side effects of fat freezing are not as severe as they are with all the other fat reduction procedures.

With coolsculpting, one may experience bruises and rashes at times. But these only occur right after your session and disappear within a day or two.

Recovery for Fat Freezing In Dubai

One can rest assured that coolsculpting is actually a painless and non-surgical procedure. It is one with zero to minimal downtime. As mentioned earlier in this article, one can go on about their day as soon as they step out of the skin clinic after their session. They can do their regular activities right after their treatment for fat freezing in Dubai.

How Does Coolsculpting Work?

When it comes to cool sculpting, it is pretty simple to understand the procedure. The non-invasive, FDA-approved body contouring technique is one of the best to help with targeting and getting rid of stubborn fat. As per the experts, who are involved in fat freezing on a regular basis, the procedure directly targets the fat of the part of the body that one is getting the treatment for. This fat is then frozen and killed by the coolsculpting’s revolutionary technology.

The procedure does not work right away. When you get the treatment done from any of the best skin clinics like Kaya Skin Clinic, you can notice the results even at the six-month mark of your sessions. With fat freezing, one can rest assured to get only the best of treatments that are effective and may even go reducing upto 25% of the body fat.

Better Safe Than Sorry: Why Antiviral Bedsheets Are Lifesavers

Though life is returning to normalcy in most parts of the country, and India has crossed the milestone of delivering one billion vaccine doses, COVID-19 is still a threat. It continues to affect and infect people across the country, though the death toll and severity of the infection have considerably reduced. Yet, it always pays to be safe. Maintaining social distancing, masking up and practicing hand hygiene are still mandatory requirements when you are out of your home.

But what if the Coronavirus germs are already present in the atmosphere at home? How can you and your loved ones be protected from it? Not just COVID-19, there are other infections to watch out for, too. Let’s start protecting you in your bedroom with anti-viral bedsheets.

What are anti-viral bedsheets?

These are bedsheets crafted with special technology that makes them and the user immune from illnesses due to infectious viruses and germs. It is simple to use them: just make your bed with the anti-viral bedsheet the same way you would with any other sheet, and just go to sleep. The bedsheet protects its users as they sleep.

How do they work?

The bedsheets are treated with a special HealthGuard® finish. This finish is long wearing and provides protection from up to 99.9% of infectious viruses and germs. Interestingly, they have also been found to protect against the deadly novel Coronavirus. So if you want yourself and your family members to feel and become fully inured against the effect of a range of infections, from the seasonal flu to COVID-19, buying anti-viral bedsheets is the answer.

How are they maintained?

This range of bedsheets is easy to maintain. No special washing technique or detergent is required. Once used, you can wash them in the washing machine with a high quality detergent, taking care not to add bleach, whiteners or any such substances to the wash. The sheets maintain their HealthGuard finish despite repeated washes. Fabric and colour integrity are maintained for a few years. However, you can replenish your stock of anti-viral and anti-bacterial bedsheets every two or three years if you are paranoid about whether the sheets are still as 100% effective as they used to. But this is not really required, unless you are looking to overhaul your bedding stock.

Are anti-bacterial bedsheets different from anti-viral ones?

Anti-bacterial bedsheets are slightly different from the anti-viral variants. Made from bamboo and charcoal, these bedsheets prevent microbes from taking residence in the fibres, and also eliminate odours. Thus, you get a clean and fresh feeling of sleeping on a newly made bed every time you go to sleep. This leads to a peaceful and relaxed sleep every night.

Is there any other type of bedsheet to look out for?

You can also check out special hygro-cotton bedsheets that become softer with use and regular washing. This is a revolution in bed linen technology, where the specially harvested cotton used in making the bedding becomes softer with use. The bedsheets and comforters adjust their own temperature as per environmental temperature, and also wick away excess moisture. Thus, you are guaranteed a night of great sleep with every single use.

Are these technologies used in other linen items?

Yes, they are used in comforter, dohar, pillow covers and even bath linen.

Which brand has these special bed linen items?

Spaces has a special HealthyLife collection that comprises anti-viral, anti-bacterial and hygro-cotton bedsheets to keep you safe and protected from harmful illnesses all year round. You can shop from this collection online and also check out their unique combo offers for the festive season.

Club Mahindra’s Family Premier League Campaign

India’s leading holiday ownership company, Club Mahindra, has introduced yet another fun-filled family activity to participate in called the family premiere league. This campaign has created eight teams based on the company’s insights and observations based on consumer research, representing eight types of family holidays personalities. The company is not only popular for creating spectacular Club Mahindra resorts but is also adding to its kitty by adding this campaign to offer their members 75 free holidays to commemorate the completion of 75 years. Continuing to FPL season 2 after the successful completion of season 1, the family premiere league has big names from the world of cricket attached to it, such as Piyush Chawla, Yuzwendra Chahal, Jemimah Rodriguez, Dinesh Karthik, Umesh Yadav, Sanju Samson, Karun Nair and Bhuvaneshwar Kumar. These eight prolific personalities will represent the eight-holiday teams, respectively.

Family Premier League Teams

The audience can take part in the contest by selecting their preferred team and sharing pictures of them that would showcase their type of holiday. The names of the eight family premier league teams are;

The Kings of Adventure
The Family Royals
The Mountain Super Kings
The Roadtrip Riders
The Beach Indians
The Capital Foodies
The Wildlife Challengers
The Sunrise Chasers

All the team names of the contestants of the family premiere league have been tastefully selected so one can resonate with their type of holiday and choose which team they want to be part of or cheer for.

How To Participate

You can participate online by logging on to their official website, filling up personal details as on the form given and uploading your photos that share the common interest as per the name of the team. On the website, you can also buy a membership, check out the number of resorts and their facilities, and make annual fee payments. It is a completely user-friendly website that will allow you to engage in any Club Mahindra offering with ease.

Mahindra Resorts and Holidays has over one hundred resorts all over India as well as abroad. Offering a wide range of diverse holiday experiences, the brand covers a large variety of locations all over. Some of its prime properties includes Coorg, Mussoorie, Kandaghat, Manali, where you will be able to engage in activities such as trekking, rafting, heritage tours and much more. Down south, they have the Ashtamudi, Munnar, Pudducherry and Cherai resorts which will give you a peek into the backwaters and lush landscape of the state. For the beach bums, there are four Goa properties full of water sports adventures and so on. To ensure that guests get the most of what they are paying for, all the resorts have many options of spacious rooms that are luxuriously designed along with top-notch amenities within. All the resorts have restaurants and cafes that serve local as well as international cuisine, which makes it more alluring as food is one of the most important aspects of a holiday. For road trip lovers, Mahableshwar and Pavna properties are apt. The travel desk facility at each resort helps arrange sightseeing excursions and activities both within and around the properties, giving an added advantage to guests. Already plush with the complete holiday package, Club Mahindra still strives to achieve more so that they are unmatched and can excel in the hospitality sector.

So now, they have added the premier league, which is further engaging and exciting for its members. A sport like cricket which is so loved in India, the successful season one of the campaign has now given rise to season 2 and will continue to go on further.

The chief marketing officer of Mahindra Holidays and Resorts commented on the campaign, saying that this campaign has incepted due to the understanding of the varied preferences for their holidays which range from beaches, adventure, leisure, city and so on. The family premiere league campaign has been created to ascertain that they are the only brand that caters to every holiday experience with various destinations and hospitality that they provided at their resorts, he finished.

Tips And Tricks To Avail Instant Personal Loan

With the advancement in technology, to avail of loans through instant personal loan app without salary slips has become convenient and a matter of a few hours. Personal loans can solve multiple purposes when you need urgent cash-in-hand, like during times of medical emergencies, an important scheduled journey, a wedding in the family, or even to run your business

Tips and Tricks to Avail Instant Personal Loan

Before applying for a personal loan, make sure you cut out all the possible delays by using these tips and tricks:

1. Always Apply Online:

It is the fastest and the most secure way to avail of a personal loan. All you need to do is fill an online application with all the required information and upload the required documents. You will immediately get a confirmation message from the lender. After thorough verification of your credentials, the lender will approve or reject the loan application. If approved, the loan disbursal can take 24 to 48 hours.

2. Maintain A Solid CBIL Score:

A CIBIL score represents your creditworthiness and having a score between 700 – 900 is the best to avail of an instant personal loan. This is the most important criteria for the lenders to evaluate your repayment profile, especially when you are availing of a loan without collateral. Thus, your repayment history and income become the deciding factors for loan approvals. Other benefits of a good credit score are lower processing fees and getting a better interest rate.

To improve your credit score, you must:

Pay your EMIs on time
Never default on any loan or credit card dues.
Don’t switch jobs/businesses frequently

3. Keep A Check On Your Credit Score:

You may have never defaulted, and you have maintained a decent credit history. Still, there could be a possibility of erroneous credit score reporting which can hugely affect your chances of getting an instant personal loan. Your credit score can have errors or mistakes which can lead to a loan rejection. So, you must always check your credit score and check for any such misleads.

4. Maintain A Good Bank Balance:

A good balance reassures your lenders of your repayment capacity. With this, the entire process of applying for instant personal loans becomes completely seamless and hassle-free.

5. Apply Only With One Lender:

Applying for a loan using multiple instant personal loan apps can be detrimental to your credit score and display your financial crunch and desperate need for funds. Moreover, it can be time-consuming to apply at various apps, keep track of all the applications, and coordinate with multiple lenders.

6. Keep All Documents Ready:

You don’t need many documents in case of an unsecured loan, but you must keep the imperative ones handy to save your loan processing time. The typical documents asked are:

Identity Proof – AADHAR Card, PAN Card, Passport, etc.
Address Proof – AADHAR Card, Passport, Utility Bills, Voter ID, Electricity Bill, etc.
Income Proof – Salary Statements/Bank Statements/Income Tax Return (ITR) along with Computation of Income/Balance Sheet and Profit and Loss Statement, etc. (depending on the type of occupation)

7. Meet The Eligibility Criteria:

You must make sure you meet all the norms of the eligibility criteria before you apply for a loan like:

Your existing business should be operational for a minimum period of 3 years.
You should be consistently working in a job for a period of a minimum of 6 months to apply through an instant personal loan app without a salary slip
Minimum Age: 18 years.
Maximum Age: 60 years at the time of loan maturity.

8. Provide Accurate Information:

To avoid loan rejections, always provide accurate personal and income details. This will not only make the entire process hassle-free but will always build trust in you. Remember that all details that you present will get verified, so present only the accurate ones.

9. Apply For What You Can Manage To Reasonably Repay:

Consider your income sources, assess your credit repayment capacity, and apply only for a loan that you will be able to repay. Besides that, take into note your fixed and variable expenses, current dues, and the possibility of any increased expenses. Your debt-to-income ratio is also an essential factor to consider while applying for a personal loan.

10. Compare:

Be decisive and research thoroughly before applying for a loan through an instant personal loan app without a salary slip. Compare various lenders online, check their interest rate, reviews, approval and disbursal process, customer service, etc., before you choose your lender.

Conclusion

Personal loans are beneficial during financial emergencies and a financial crunch. You can avail of loans through instant personal loan apps with minimum documentation and do not require any collateral. With many banks and NBFCs promoting instant personal loans aggressively, it is quite simple to get approval provided you meet the eligibility requirements and terms and conditions of financial institutions.

Use Eco Gift Ideas To Avoid Global Warming

Need for Eco-Friendly Gifts

One thing that we cannot argue about in the present scenario is the need for eco-friendly products. Eco-friendly products are those which by no means cause any degrading impact on the environment and nature. Global warming is an alarming concern now, with green gas emissions increasing within the earth’s atmosphere. It is the indifference and ignorance among human beings and their actions that have led to this problem. But, the good news is that now, with increasing awareness, we expect that all will do their part to contribute to the larger endeavour to make things better for the planet and the life in it.

The fact is that we all will have to participate in this process to develop sustainable and healthier living conditions by bringing small but meaningful changes in our lifestyles. Eco-friendly gifts are one such small gesture that we can adopt to become true environmental guardians.

What are Eco-friendly Gifts?

Eco-friendly gifts are products that are not harmful to both nature and us. We, in our regular lives, end up using harmful products without even realising it. Also, some products are manufactured by unethical means and procedures and leave waste on the planet. Some businesses employ destructive and hidden manufacturing processes to earn profits.

Sustainable, eco-friendly gifts are a meaningful step towards reducing waste and welcoming a better lifestyle for improving the health of our planet. Eco-friendly gifts use natural materials and resources and further emphasise recycling and reusing materials. The manufacturers of sustainable products follow transparent and eco-friendly methods and give due credit to the artisans. From manufacturing to shipping, everything is done in an eco-friendly manner to minimise the harmful effect on the earth.

Some Interesting Gift Ideas for All

When you say that you are purchasing eco-friendly gifts for your loved ones, it is important to understand that you are exploring the green volunteer opportunities in the process. Not only are these perfect gifts for those who like to be on the frontlines creating change, but the opportunity can inspire others to become volunteers too.

Sustainable gifts are unique and out-of-the-box; they help to reflect your thoughtfulness. Some interesting eco-friendly gift ideas are:-

Handmade Soaps – These completely plastic-free handmade soaps make for a great option for gifting purposes. You can do away with the plastic packaging with these aroma-filled, natural ingredient-based soaps.
Biodegradable Toothbrushes – Toothbrushes made of corn starch and bamboo can surprise the gift recipients owing to their high sustainability and comfort.
Notebooks – These are all-time essentials, and you can gift them to anyone without thinking much. Completely recyclable notebooks made of 100% waste of other consumer products are available in different patterns and make for ideal gifting items.
Solar Power Phone Charger – This is the best utility-based gift that you must have on your list. It is probably the best sustainable product that meets the need of the hour.
Reusable Bottles – Water bottles made of stainless steel are the best replacement for harmful, non-degradable plastic bottles that threaten our health. These bottles come in various colours and designs.
Sneakers and slippers – Slippers and sneakers made of ethically sourced wool by local artisans are also great for gifting your friends and family members. They are both sustainable and extremely soft and comfortable.
For the Little Ones – You cannot skip gifting the little ones in your family. But choosing the right gift for them is difficult. The gifts must be safe and also something that appeals to them. Sustainable toys, clays, colour pencils, and candies are some of the eco-friendly gift ideas for kids.

In Closing

These are just a few of the gift ideas from the list of interesting eco-friendly items that you can select. Not only do they have great utility, but they empower the receiver and elevate them to the position of an environmental guardian. Have a look at all the options before selecting the ones for your friends and families.