Money and Technology

Saving, investing and making money with technology

Fastest Way to Get a Personal Loan in India

Apply online to get your Personal Loan quickly. When you do get a Personal Loan, keep track of how it is spent. In certain circumstances, you can claim tax deductions on your Personal Loan.

When You Need Funds Fast

Apply for Personal Loan in India. Keep ready all the documents needed. Your loan will be processed quickly. If you have a good salary/income and a good credit rating, you will get instant Personal Loan.

If you have more than the minimum salary required to get a Personal Loan and do not have a lot of other loan EMIs running right now, you can get a good amount as loan.

When You Can Use Your Personal Loan to Save Taxes

When you use your Personal Loan for specific purposes that are accepted for allowable deductions, you can claim tax benefits on personal plans.

For House Purchase

Are you using the amount to fill the gap between your home loan amount and the actual price of the home you are buying? If you can prove this, you can claim tax deduction.

For House Reconstruction or Renovation

Loans used for repairs and renovation of your house are considered for tax benefits. If you have used your Personal Loan for these purposes, you can claim tax deduction.

For Investment in Your Business

If you have taken a Personal Loan to use as funds for your business, you can claim it as business expenses and thus use it to reduce your tax liability.

How to claim the benefits

Under Section 24(b) of the Income Tax Act, the type of loan is not specified, only the end user. So keep a documents checklist of all the bills and agreements you need to show as proof and save them. Submit them to claim deductions on the interest portion of your Personal Loan EMIs.

As for business expenses, you need to save every bill and receipt and submit them to account for how you used your funds in business, including your Personal Loan. Your business expenses are deducted from your profit, so it helps you save taxes.

Search for the best Personal Loan offers online through financial marketplace websites and lending portals. Choose the best offer and apply for a Personal Loan in India. If you apply online and supply all the necessary personal loan documents are required like the KYC documents and income proof immediately, you will get the loan fast. You need to make sure you have a good credit rating to get a loan at low-interest rate.

If you use the loan for a relevant purpose like the home renovation or business funds, you can use your Personal Loan repayments to claim deductions in tax.

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Alamo Associates: The Best at Lowering Interest Rates

You know, ” I’d like to start saving money, but I’m not sure if I can afford it right now” can be a common thought when starting your career with an entry-level salary. But, the good news is, you can start saving. And the great thing about it, is, it just takes some creative thinking and a plan for making extra money to kick-start your savings. And well, In today’s economy, side jobs are a common way to earn extra income. They provide flexible money-making options and can even help you grow professionally.

Alamo Associates is a great company that is prioritizing what clients need by offering a single monthly payment with low interest rates.

Please call them toll-free at 1-800-220-0581, if you have any questions regarding your low interest rate credit card debt.

Find Your Hobbies, Think about Your Passions

We all know, that side jobs can be done remotely—this means lower startup costs and faster earnings. Use your skills, do something you love or provide a service. And here are some ideas to consider:

Tutoring online. Use your knowledge to help students of all ages with languages, science or math.

You can drive for a rideshare service. After you apply, simply download the app and wait for the ride requests to come in.

Try working as a virtual assistant. And you can start by helping business owners by handling administrative duties like sending emails, doing research or scheduling meetings.

Pet sitting or dog walking. Check out apps or websites that connect you with pet owners who need your services.

Start a Catering Service. Channel your love of cooking into menu planning and hosting events.

Blogging or freelance writing. Just take a look for websites that connect businesses with writers on a per-project basis.Transcribing. Turn your super-fast typing skills into transcribing notes from meetings or podcasts, as well as providing closed captioning for TV shows or movies.

Selling stock photography or video. Individuals and businesses will pay you to take photos or shoot videos for them.

Get Higher-Than-Average Interest Rates When You Open a New Account

Reach Your Savings Goals Faster with a High Interest Rate Bank Account
High-yield savings, Money Market, and Certificate of Deposit account rates can help you grow your savings at a higher rate than those available for traditional savings accounts. Putting your money in a high-yield account can really make it grow fast — don’t underestimate the advantage of even a small percentage hike when it comes to interest.

What is a CD?

A certificate of deposit is a safe investment option with predictable returns and a guaranteed return of your principal investment when the CD matures. Certificate terms vary but generally last from a few months up to five or 10 years. Investing in a high-yield CD can help you achieve a number of financial goals, such as saving for a new car, by reliably growing your savings.

How student loan refinancing works

When you refinance student loans, you manage your existing federal and private education loans into a single loan. This new loan does not have an origination fee and typically has a lower interest rate. You can often choose between a fixed or variable rate loan when refinancing.

There are many reasons to consider refinancing your student loan debt

Lower your interest rate

Customize your loan payment

Combine multiple loans to simplify your payments

Choose your loan term

Improve your customer service

Remove a cosigner

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5 Tips to Help you Buy the Right VR glasses

Nowadays you can buy dozens of VR glasses from different brands, with different specifications and prices that vary widely. For example, you can buy the new Oculus Rift, with all the upgrades you could wish for. You can also buy an Oculus Go for a modest price from last year, are you missing something with that? The choice of the best virtual reality glasses is not the same for everyone, with these 5 tips you can quickly buy the right VR glasses.

1. Pay attention to your budget

Are you a seasoned gamer who spends hours every day behind the PC, or are you someone who wants to dive into virtual reality for the weekend? You can buy an Oculus Go for over 200 euros, you can also opt for an HTC Vive Pro that costs more than a thousand euros excluding a luxury gaming PC. If you do not yet have a suitable PC or laptop, you can save a lot of money with a standalone headset, especially if you need multiple headsets for business use.

2. More quality = less flexibility

If we combine the Go, Quest and Rift S, the most luxurious option also offers absolutely the best graphic quality. On the other hand, you are always connected to a gaming PC. For the best quality, you have to buy an Oculus Rift, though you do have to sacrifice some ease of use for it. So you can easily take a Go or Quest with you on a journey, which is a lot more difficult with the Rift.

3. Consider how much space you have

You have a complete virtual universe at your disposal without limits, yet your loft apartment or that stand at the fair does not grow a centimetre larger. The so-called 3DoF headsets are suitable for small spaces because you cannot move freely with them. The 6DoF headsets are made to use the space, so check the square meters that you have available. When buying VR glasses you will first have to make the distinction between 3DoF and 6DoF. Ask the specialist about the differences.

4. First, check the apps

If you go for the quantity you have to buy an Oculus Go, there are more than 1000 apps available for that. Unfortunately, there is a lot of junk in between, with the Quest there is much stricter quality control. That means a smaller selection of titles and usually also higher prices. For PC headsets you can check on SteamVR which devices the apps are suitable for, there are usually also a number of titles that are available exclusively for one brand or model. If the ‘killer app’ is not available on your favourite VR glasses, you have to think carefully about what really matters to you. Also, check if there is an option for VR kiosk mode which enables you to easily playback your apps without a controller.

5. Do more with an open system

In addition to the standard software, you can also buy VR glasses that let you install custom apps. Sometimes that is simple, but this is not always the case. For example, if you need virtual reality glasses for business use or in education, ‘sideloading’ of custom apps may be necessary. There are various options depending on the brand and type, a VR agency can tell you more about this. Where there’s a will there is away!

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Benefits of Online Casinos

Going to the casino, and most other forms of gambling are often enjoyed by many people all throughout the United States. However, one of the more modern gambling methods has changed the way people play and win the games which they love most. Whether you’re gambling in Pennsylvania, or gambling in New Jersey, there are many benefits of using online casinos in addition to brick and mortar casinos. Some of the benefits of playing at online casinos include:

Variety Of Games

As you can see, gambling in Pennsylvania and other legal online gambling states has gotten much easier to do. Not only that, but the variety of games is plenty. Once a state has the legal status needed for online gambling, most games are then converted to a digital platform. These games include classic favorites such as Blackjack and slots. More and more games are being added to online casinos, making using online casino services just as fun as going to a physical casino.

Comfort and Time

Gambling in Pennsylvania and other states has changed over the years, especially as gambling laws have changed to fit the growing popularity of, and shift toward, technology and it’s uses. Because of this, online casinos are becoming a preferred way to gamble, as it’s easy, comfortable, and the payout is just as much as visiting a casino in person. Take a look around at some of the great online casinos we have listed, all of which are sure to be just as enjoyable as your favorite local casino, if not better.

By playing in online casinos you’ll be allowing yourself to be more comfortable as you enjoy playing the games you love. Not only is gambling from home more comfortable, but you’ll be able to do it more often, meaning that you’ll be increasing your chances of winning as well. This is because you’ll no longer need to leave your home and deal with crowds to go play and win, instead you’ll be able to do it all from home. This makes gambling comfortable and easy.

You Can Win

When thinking of gambling in any state many people only consider the many physical casinos. The same goes for other states like New Jersey and Nevada. Many also seem to think that the chances of winning at an online casino are less than when in a physical one. However, this simply isn’t true, as one has just as much of a chance at winning in an online casino than in a physical traditional casino.

Ease Of Use

Gambling in an online casino is easier than you’d believe. After signing up for an online casino in your applicable state, and once you verify your identity and possibly even proof of residence, you’ll be able to make a deposit into your account. Often, many websites will offer a sign-up bonus, giving you a bit of money to start playing with for free. Once you have a balance to use, you’ll be able to play the games as you would in person, all from the comfort of your home. Getting started and maneuvering around these websites is easy, allowing nearly anyone to sign up and begin playing.

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About Ajay Bhat Monnet Ispat

Ajay Bhat’s Profile: Senior Corporate professional with over 27 years of experience in Corporate Finance, Business and Financial restructuring in diverse industries like Pharma, Steel, Power and automobiles. Wide experience in fund mobilization in domestic and International Markets. Dealt with large PE and Fund houses, widely travelled across the Globe.

Ajay Bhat Has been Group CFO of Monnet Group; comprising Monnet Ispat and others. Experience of Strategic Finance and Operational management in Monnet Ispat and other large corporates. Handled complex financial restructuring for a large company in Automobiles sector.

A Chartered Accountant and a management Grade from IIM and attended programs of premier Institutes like Harvard and ISB possesses solid leadership qualities and strategic view with strong commercial acumen.


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Should Parents Keep a Watch on Their Kids’ Social Media Activity?

Should I monitor my kid’s social media activity? Should I find out who my kid is interacting with? Should I know what sort of content my kid is sharing on social media sites? These are some of the questions that most parents struggle with at some point. 

The answer to all of the above-mentioned questions is yes. Parents should keep tabs on their kids’ social media activity for their online safety. The process of keeping an eye on kids’ social media activity is no longer difficult. Thanks to modern technology, several cell phone monitoring, parental controls, and social media monitoring apps have been introduced for this purpose. In fact, some parents have even gone to a far extent of trying various social media hack methods to sneak into their kids’ cell phones. Some popular social media hack methods on the internet include WhatsApp spy apk, Facebook monitoring tool, and Snapchat hack method. 

Even though these hacking methods may not have been proved to be effective in performing the job they had claimed to do, parents still do not stop making desperate attempts at trying to use them. They would do anything to ensure their child’s safety on social media sites. 

Ana Homayoun, the author of Social Media Wellness, explained in the fifth episode of Home School—The Atlantic’s animated series about parenting that so much of parents’ fear around social media use evolves from this fear that their children’s lives will tumble-down forever. 

Further to that, she said that parents need to sit back with their kids and make them understand how they can be more intentional about how they are spending their time online and how they can align that with their values.  

It is understandable that by using parental controls and monitoring apps designed specifically to help keep your children safe online, monitoring their social media activity has become easier than ever. Now, let us take a look at some critical reasons why parents in the digital age should see what their children are up to on social media:


Cyberbullying is something that can occur among children of all ages. Many kids get bullied online and never speak about it to their parents because they are reluctant to tell them. They try their best to keep it to themselves and manage it on their own. By doing so, they become overwhelmed, upset, and depressed. 

It is important to ensure that your child is not being targeted by a cyberbully or harassed by anyone on social media. You must make sure your child is not receiving any threatening messages on their cell phone or social media. By monitoring their online interactions, you should be able to identify signs of potential cyberbullying. 


Sexting has become quite notorious among children and teens in particular. Parents may not take sexting seriously and think it is somewhat harmless to children. However, it can have serious legal and social implications. Parents should keep tabs on the types of photos, videos, and text messages their kids exchange on social media. 

They need to ensure their kids are not exchanging any inappropriate content with others on social media. It is important to make it clear to them that if they do not feel comfortable showing their parents something then it definitely is not suitable for posting and sharing on social media. You may also try WhatsApp hack online using a reliable monitoring app to read their private instant messages. 

Sexual Predators

Parents always warn their kids to stay away from predators in real life. Their safety is not only confined to real life. They need to warn their kids to maintain a safe distance from online predators as well. Children can be targeted by online predators on social media sites and can be lured into friendship and sending inappropriate content to them. 

After getting hands on the intimate photos/videos of children, online predators can blackmail them or sell their content to the dark internet at a good price. If you do not want your children to fall into the trap of online predators, you need to closely monitor all their interactions on social media as well as their regular text messages. 

It is also important to set privacy settings on their social media so strangers and predators cannot view their children’s profile and access their information. On the other hand, parents should also consider limiting their child’s internet and social media usage to give them less exposure to the online world. 

In case you ever feel a tad guilty about monitoring your child’s social media accounts, do not forget that you have a certain responsibility to keep them protected from dangers in the digital realm. You can have a better idea of what they are doing online and can set appropriate boundaries for them while monitoring their online activity. It is just a simple step towards ensuring their online safety. 

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Is Windows Spy App Good for Kids?

Since technology has integrated with human life there are plenty of advantages and as well it has its dark side. Nowadays, youth is highly obsessed with technology in terms of digital devices such as mobile phones, tablets and computer machines running with different OS such as windows and MAC. Today we are going to discuss why children use to of spending too much time on their Windows laptops and desktops connected to cyberspace.

 They use social media apps and websites all day long for the sake of multiple activities such as messaging, chats conversations, audio-video conversations, share media and plenty of other activities. Additionally, they visit adult websites, use online dating apps, harbor sexual fantasies and last but not the least bullied online and get trapped by the stalkers. However, modern technology has come up with plenty of windows spy software and we have tested plenty of it but windows monitoring software comes handy. Therefore, let’s get to know is windows surveillance software good for kids or not?

Why use the Windows monitoring app on kid’s PCs? 

It is one of the best PC spy software on the web these days that enable the user to do surveillance on windows laptop and desktop computer machines. It is packed with plenty of features that give you reports regarding all the activities happen on the targeted device. You can remotely spy on kid’s activities on windows laptop desktop computers. However, you have to get physical access on the targeted device initially and then you need to install the windows monitoring app on the target PC then you can get the job done. 

Additionally, windows surveillance app has a user –friendly interface that makes the user to easily perform tracking on windows computers for digital parenting. Moreover, it has dozens of features that provide plenty of ways to monitor plenty of activities kids and teens are performing on windows PCs. Now let’s get to know how you can get it and use its powerful features to make sure the online safety of the children.

How to Get & Use the Windows tracking app on kid’s Computer Devices? 

Having said that it is the most popular tracking software for PCs, and if you want to know whether it is true or not then read this particular post from top to bottom. You just need to visit the web and then visit your device browser. Now you have to have access to the official webpage of the windows monitoring software. Furthermore, subscribe to computer surveillance software and get the login credentials via email. 

Additionally, you need to have physical access on the targeted device and once you have got it then get started with the process of installation. When you have done with the process of installation then activate it on the targeted device of your child. Now you have already got the credentials and use it to get access to the online control panel of the windows spy software. Besides, you can visit the features that make you capable enough to see all the activities of your children instantly using the web portal. Let’s discuss all the features of the windows surveillance app briefly. 

Windows Monitoring software features to monitor kids PC

Windows Browsing History

End-user can remotely get access to the target device and further visit the web browser to know about all the visited websites and bookmarks.


You can capture screenshots of the windows screen and at the end of the day, you will get to know about all the activities happen on the target device. End-user can capture plenty of screenshots by sending multiple commands on the target window device using a web portal.

View installed applications

You can view all the applications installed on target PC using windows tracking app and get to know what sort of apps kids are using on windows computer devices.

Block websites

You can remotely block websites on target computers in-case kids are lurking towards the adult content. Simply you can copy URLs and put it into the filters. Kids will not be able to access again the blocked websites.


TheOneSpy Windows spy software is the best tool to perform digital parenting on kids and teens activities with a complete time stamp. However, parents can record live screen activities on windows devices.

Author Bio

Cathy is a school teacher and digital parental geek, She’s also content writer and editor at spysmarts. She reads and writes excessively on subjects such as computer and mobile tips, software reviews, protecting oneself from the dangers of the online world especially targeting child protection and the guidelines for using different cellular applications

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Some Dishes That You Can Make with Your Protein Powder

Protein powder is a staple for those who train regularly. From bodybuilders to athletes to sportspersons to even dancers and entertainers- all swear by protein powder. Protein powder is also a must for those who are gaining or losing weight.

If you want to maintain healthy body weight with muscles then you need to eat a protein-rich diet. Proteins help to build your muscles and also prevent fat storing in your body. Besides that proteins are also a great source of energy. You can eat meat or egg or tofu or milk and nuts which are rich in protein.

Often the extra dose of protein is fulfilled by daily consumption of protein powder. There are different types of protein powders available in the market. Whey protein, Casein protein, spy protein is popular. You can buy whey protein online from prepared 2commerce site or even from your local pharmacy. The protein powders are often affordable and can be found in different sizes.

Protein powders make a great pre-workout or even post-workout snack. But, you do not need to eat only protein shakes or smoothies with your powder. You can easily make delicious dishes with protein powder and enjoy them as a meal or snack. In this article, you will know about some food items that you can make with protein powder.


Pancake is a traditional breakfast that is filling and tasty. Ditch the flour and use whole wheat flour and protein powder in equal ratio to make a protein-filled pancake. You can add fruits or berries of your choice. You can add walnuts or almonds also. Buy whey protein India and use it to treat yourself with a serving of pancake in the morning for a filling pre-workout breakfast. You can choose flavoured protein powder like chocolate flavour for that extra taste.


This is another version of a protein-rich breakfast. You can opt for a sweet or savoury crepe whenever your tastebud wants. This dish cools fast and is also easy to prepare. Follow the method of using the protein powder and whole wheat flour to make a healthier version. Use unflavoured powder for best result. You can make a classic crepe with Nutella and banana or a savoury version with eggs and veggies.


If you are woning out then you do not need to keep yourself away from so-called junk foods. Use protein powder to make a healthy version of your favourite burger. 

You can make burger buns with flour and protein powder. It will be a power bun for sure. For the Patti, you can do with beans, protein powder and spices. It will be delicious for sure.

If you love meat then just use protein powder mixed with flour or cornflour to coat your chicken or meat pattie for a crunchy taste.


This is the ideal treat for those who have a sweet tooth. You can use flavoured or unflavoured protein powder as per your choice. Use protein powder, a little flour, chocolate chips, chia seeds and honey to bake aromatic and heavenly cookies that you can ear without the guilt.

Hence, if you are bored with your regular protein shake then make a change and make some sweet and savoury dishes with your protein powder. Try using unflavoured protein powder because it goes well with all types of dishes.

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How to save money while doing online shopping

Online shopping has been a part of everyone’s life since its inception. It makes our life easier since we do not have to leave our house to buy food or clothes.

Just like when buying in physical stores, you can score different deals and promos at online shops, if you know the drill.

So, before you hit that checkout button, read these different tips and tricks we have provided on how you can save money while doing online shopping.

Look for voucher and promo codes

Today, many online sellers provide vouchers and promo codes to their consumers. So, before you proceed to payment, check if the seller is offering any promo codes that you might used, so you can score a great deal.

You can also visit deal sites that offers a wide variety of promos up to 50% off. Common promos packages are from  restaurants, spa and salon services, and tours.

Subscribe to a newsletter

Several online sellers have their newsletter subscription. To

know upcoming sale or bazaar, subscribe to your favorite online seller. This way, you can know their sale ahead of time and can plan out your purchases.

Sign up for loyalty programs

If you are a frequent customer of a certain seller, sign up for a loyalty program. Most sellers in the market offer loyalty programs and perks to their consistent consumers. Plus, your accumulated points can be used for your future purchases.

Do not overpay in shipping

Nowadays, it is so easy to select your desired items on the internet. But before checking out, ensure that you do not overpay in shipping fees. Shipping fees vary depending on the courier you choose. Plus, buy several things all at once to save money on dealing with multiple shipping fees.

Stock up when sale

When the things you buy regularly is on sale, buy these things in bulk and you will save a lot of money. This tip is recommended to non-perishable goods, such as shampoo, toilet paper, tooth paste, soap etc.

Use an incognito mode

When doing online shopping, ensure that you use an incognito browser. This way, your identity to the online merchants you shop is anonymous, which prevents them to set the price high. Clearing your history and cache can also help do the trick.

Use comparison site

It is advisable to use a comparison site while shopping online. Doing so will allow you to see the different prices of one item. This goes for anything you buy online like food or clothes.

If you happen to buy any insurance products, you can compare rates at this site:


Nothing beats the convenience offered by online shopping. Apart from convenience, it offers different ways on how to save money.

Online shopping does not have to be expensive as what others believe. You just have to know what and where to look for. Just make sure that you applied the tips mentioned here, so you can save a lot of money.

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What are Social Media Mockups and How can they Help You?

Have you ever dreamed of using a mock up as a way to pitch your stunning social media campaigns to clients? Awesome! can actually make the work procedure so much easier for you!

Social media plays a big role in the activities of many businesses. In fact, overwhelming 91% of retail brands use 2 social media channels and 81% of all small and medium businesses use some kind of social platform. (Statistics provided by Brand Watch) Isn’t that fascinating? This naturally brings even more business opportunities for all graphic designers out there who are in a desperate need to have a way how to present their design work in the best way possible. But there is no need to worry, Design Bundles is here to make the work procedure so much easier for you. You can create beautiful designs using tools. See images below. is a very unique company which offers you great deals on high quality premium design resources and free design resources. They will offer you a savings of up to 96% off the RRP on design elements from the independent designers. And also they offer free design resources each week and a marketplace which allows graphic designers to register and sell their products. Their customers always come first and with their lifetime download guarantee and unlimited support – that they are sure you will love shopping with them.You know, thanks to the social media mockup, you won’t have any problems showing off design assets to your clients. Who are the people to regard social media mockups as super useful and beneficial? It’s definitely you who stopped by to have a look at this article and also the two groups of people that we break down for you below that we think might appreciate the usability of social media mockups.

You already know what social media mockups are, what they are good for and what audience might benefit from creating them the most. Now, it’s time to dive deeper into examples of specific situations creatives might be in and the social media campaigns they have to come up with.

Check out these beautiful designs that were created using the tools from Design Bundles. You can create them too. Go to: :

Check out these great designs that you can do yourself and easily with Design Bundles: , ,

Examples of social mockup campaigns

Instagram campaign for an online fashion store

Well, let’s say your marketing agency has recently gotten a brand new lucrative client who happens to be the owner of the largest online fashion store in your country. The client needs a full-on branding campaign and since your client is targeting quite a specific segment of an audience that is mostly online on Instagram only, you have decided to have the campaign ready for a variety of Instagram elements. With social media mock ups, you are ready to show off the assets that will represent the campaign online on Instagram.

Facebook campaign for a local restaurant

Famous restaurant chain is about to open its branch in the local area. For the upcoming launch, they are looking for a specific campaign that will target all the local food enthusiasts. The idea is to encourage as many people as possible to come for a visit. As a graphic designer, you got all the details needed to start rolling and coming up with the campaign ideas for the client’s Facebook page. With social media mockups, you can show off your final thoughts about the campaign to the client so he can see how it’s gonna look once it’s uploaded.

Hey Face book Friends,Check out these beautiful designs that were created using the tools from Design Bundles. You can…

Posted by Tracy Collins on Tuesday, October 29, 2019

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