Saving, investing and making money with technology

Month: August 2018

Ace the GRE by Learning from the Best

GRE (Graduate Record Examination) is an essential examination appeared by students who want to study abroad to pursue their Master’s or PhD. Many students in this country dream to be a part of the world’s best institutions. Some want to pursue their post-graduation and some want to earn a doctorate degree from the world’s best institutes. It is mandatory for the students to qualify for the GRE with good grades in order to fulfil their dream. However, the expense at these institutes is not something an average income household can bear. Therefore, good grades in GRE not only help in getting through the preferred institutes but also avail high percentages of scholarships.

Every year thousands of applicants apply for this exam to give their best and achieve a top grade. But before applying, a majority of the students enrol in institutes for GRE coaching. Various coaching centres are available in different parts of the country to provide best GRE training both online and offline to help them score better in the final exam.

The GRE has three sections which a student needs to master in. The first section deals with Verbal Reasoning (VR). The second section deals with Quantitative Reasoning (QR) and the third with Writing Analysis. It’s important for every student to learn to speak English professionally whose native language of the country is not English. For scoring well in the GRE, guidance is essential. It is important to have a disciplined method of study and a focused approach towards the goal.

Why is it important to study in coaching institutes?

  • The GRE preparation course develops a curriculum that is student friendly and sets short-term goals which are easier to achieve.
  • For the VR and QR, two different mentors are assigned to the classes who are specialized in these areas.
  •  The mentors provide unlimited help beyond the class hours. Students can approach them with personal doubt clearances.
  • One-on-one classes are also provided to the students if they opt for such a medium of training. They need to specify while enrolling in the institute if they want to opt for such a facility.
  • Personalized attention is given by all the teachers to each and every student to identify their areas of strength and weakness.
  • Various practice tests and drills are administered to prepare the candidates well for the final test. The students get an idea of the type of questions they will face and how to solve them faster.
  • All of them learn to work under maximum pressure and improve their time management skills.
  • They are shown lecture videos of eminent professors on topics which seem difficult or less interesting to ease them out. Further on, students’ viewpoint is asked on those topics. This serves as an interactive learning method and supports discussions from other students.

Majority of students excel in the final GRE after receiving such rigorous training and practice. So, if you also wish to get a fabulous score and make it to the world’s best institutes, enrol now!

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Here are 6 apps that will help you stay aware of your brain health

Our brain is the central processing unit of the body. Thus, when the brain’s health goes down, everything else becomes dull too. The simplest example is a headache. It can seriously pull down your energy and significantly dip your productivity too. This stresses the importance of maintaining cognitive wellness.

Unfortunately, brain health is suffering across the globe. The rates of stress, anxiety, and depression are crawling. In fact, these play the role of leading culprits that negatively impact your mental health. About 18.1% of the US population experiences anxiety disorder annually. Likewise, roughly 10.3 million adults in the country suffer from a severe episode of depression in a given year.

Top these concerns with stress and we have the recipe for poor brain health. A 2017 survey by the American Psychology Association showed that 62% of the Americans confess to being stressed due to their financial matters. Another 61% said that their work caused them stress. 51% also admitted that crime had them worried.

The silver lining to the brain health cloud

Although these whopping statistics paint a gloomy picture, there’s always hope. You can work to chop out stress and anxiety from your life. As you work to eliminate such factors, you’d notice an improvement in your cognitive health.

On top of this, your brain needs to be continuously challenged to function at its best. Research confirms that you can strengthen and rebuild your cognitive abilities by stimulating the brain. When you set up a challenge for your brain, it takes the signal, and its gears then shift to find the solution to the problem.

Another important factor is to track your brain’s health. It is essential to keep tabs on your cognitive performance because sometimes it declines without any alarm bells. If there are any signals, you may mistake them for daily stress or tension.

In this regard, let’s dig into the apps that can help you stay aware of your mental health.

Six apps that track your brain health

Awareness is key to fending off any psychiatric health concern. It is also crucial to learn about changes in your cognitive functioning at your earliest. This helps you deal with any mental decline properly.

Here are six apps that serve as trackers of your mental well-being:

  1. BrainTest

The Brain test app is a vital tool that can assist you in detecting changes in your cognitive performance. As we climb up the age ladder, we become victims of mild cognitive impairment (MCI). Although this decline in brain performance is part of healthy aging, it is also a telltale sign of dementia and Alzheimer’s disease if it deviates from the normal cognitive decline.

Brain tests are the keys to discovering MCI, mixed dementia, and other neurodegenerative disorders. Instead of putting off a visit to the doctor or waiting in long appointment lines, the BrainTest app allows you to screen your brain’s performance in the comfort of your home. The application offers cognitive screening tests that are evaluated by professionals as soon as you complete them.

Brain Test has the nod of approval from The Ohio State University. Essentially, the app is the digital counterpart of the Self-Administered Gerocognitive Exam (SAGE). SAGE is highly credited for picking up any memory, cognitive, and thinking impairment. What’s more is that the accuracy of the results is marked at 90%.

  1. Moodkit

Moodkit is another useful app for mental wellness. It works specifically along the lines of picking up signs of bad mood and helping you improve it. The application brings forth strategies taken from the pages of professional psychology. In fact, Moodkit is the brainchild of two psychologists.

Admittedly, there is nothing worse than a low mood or a sinking feeling as it seeps out of your mind into the work in progress. In fact, Scientific American confirms that bad mood can be contagious. In fact, a chronic low mood may even signal the development of mood disorders such as bipolar disorder and depression.

Moodkit employs techniques of cognitive behavior therapy, which is praised for its research-backed and effective psychotherapy methods. The app works to provide mood-enhancing activities. It identifies unhealthy thinking and charts your mood over time.

Lastly, the application allows you to create journal entries to encourage mental well-being. Hence, with Moodkit, you have professional treatment in the palm of your hand. A cherry on top is that the application has been listed among Healthline’s best depression apps.

  1. Lantern

Lantern is a web as well as a smartphone application. The app provides a healthy combination of expert advice as well as cognitive behavioral therapy (CBT). Users begin by taking a test for assessing their strengths and weaknesses in five areas. These include sleep, stress/anxiety, body, mood, and social life.

Since all these are interlinked and leave their impact on the brain’s health, the app can help you track your cognitive well-being. The portfolio of this app extends to deliver more though. The application assigns daily exercises that are customized to meet your needs based on what is determined by the assessment. Furthermore, you are also paired with a professional coach who is well-versed in CBT.

  1. Depression Anxiety Stress Test

An optimal mental health can never be achieved without eliminating anxiety from the picture. This is particularly important as a record number of people report facing anxiety. However, you can’t kick anxiety out of your life unless you are sure about the diagnosis. In this context, the Depression Anxiety Stress Test is your go-to app.

The application helps you assess three of the leading mental health concerns namely anxiety, stress, and depression. Once you can pinpoint your current state of mind, you will be able to tackle it better. Besides, the app also gives you a reading concerning your levels of impatience and irritability.

  1. Sea Hero Quest

The Sea Hero Quest app is a gaming application that is considered a good tool for detecting early symptoms of Alzheimer’s disease. The app leaves users at a sailing course that is punctuated with sea monsters. These need to be shot down, but the aim is to find missing pages of a long-lost journal.

The underlying motive, however, is to detect the users’ spatial navigation abilities. One of the scientists behind Sea Hero Quest, Hugo Spiers of University College London, elaborates about the app. Spiers outlines, “By creating a global chart of human spatial navigation, we’d like to create the next set of tools for the diagnosis of Alzheimer’s.”

The fact of the matter is that mostly neurodegenerative disorders such as Alzheimer’s prey on individuals in silence. Most people are not aware of the symptoms of a given neurodegenerative disorder. Hence, they may not be able to notice its development while it starts wreaking havoc on the mind slowly.

This is specifically true when it comes to elderly folks who mistake Alzheimer’s-induced cognitive impairment with age-related cognitive decline. This takes the importance of an app such as Sea Hero Quest up by several notches.

  1. i-Prognosis

i-Prognosis is another app that notes the progress of your brain health by alerting about the early stage development of Parkinson’s disease (PD). This is another brain ailment that goes undetected in its early stages. As a result, most patients lose precious time in getting treatment or making the needed lifestyle changes.

i-Prognosis provides applications for smartphones as well as smartwatches. The app watches out for early symptoms of PD via mobile sensors and machine learning.

i-Prognosis is an EU-funded work by Greece’s Aristotle University of Thessaloniki. The application gathers all the required data after the user’s consent by utilizing the sensors in modern phones. By doing so, it can note differences in a person’s behavioral status. Since PD victimizes approximately 60,000 patients in the US every year, such an app is a helpful tool for optimal brain health.

Bottom line

Maintaining your brain health should be your number one priority. The daily hustle and bustle add strain to the cognitive functioning. You can always track the brain’s activity by using apps such as BrainTest. Don’t forget to keep a check on your stress, anxiety, and depression levels too by using apps like Depression Anxiety Stress Test.

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Would You Like to Find Your Old School Photographs for FREE?

How many times in a day do you miss your old teachers and friends, who were together with you on your school and college days?

Multiple times… right?

Our school and college friends and those days are our best!

Unfortunately, we realize it only after we finish our school/ university life. Till then, we were eagerly awaiting for growing up! LOL.

Thak to the big data world and internet technologies, we found a software system which can find your old school photographs for free of cost, even without providing your personal details.

Sounds good?

Try now!


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4 Tips For Saving Money For a New Baby

The initial excitement of finding out that you’re having a baby is thrilling.  As you start to see your future unfolding in front of you and all of the exciting changes that are in store, it can be an incredibly exciting time.

Along with the thrill and butterflies also comes an enormous pressure to be able to handle financial responsibility of bringing a life into the world.  There are all sorts of expenses to anticipate from the latest teething toys to diapers, to some salt rock lamp that everyone seems to say you need. Therefore, it’s in your best interest to try to save as much money as possible before your baby arrives.  Here are some of the best tips for cutting back on your expenses when you’re welcoming a new baby.


Looking at all of the latest baby gear and decor for your baby’s room can start to make your head spin when you see the price tags.  However, a lot of these items are actually relatively simple to make yourself.

Making your own materials rather than buying brand new can not only save you hundreds to thousands, but it’s very rewarding to know that you made it yourself.  It’s also a great way to spend your time while you’re in the nesting stage waiting for baby.

Buy Second Hand

Since babies grow so quickly, you will often find that you don’t even use half of the things which you buy for them.  This makes an excellent opportunity for finding things second hand.  Something that was used only a handful of times and is still in mint condition can be a fraction of the original price.

Take a look on websites like Craigslist or eBay to find great deals on pre-used items.

Have a Baby Shower

If you weren’t considering having a baby shower, then think again.  A baby shower isn’t just about playing silly baby games, and awkward gender reveals.  It’s about getting free stuff! Traditionally all your friends and family come with a gift to help ease the burden of paying for everything when the baby comes.  Usually, a friend will organize the event for you, so you don’t have to do anything but show up and get gifts. Great concept, right?

Create a Budget

If you’ve always been pretty relaxed about your spending habits and let things slide without much worry, you may want to tighten the belt of your finances since you’ve got a baby on the way.

Creating a budget is a way to create guidelines for yourself so that you control your spending and save more money overall.  By keeping an eye on how close you’re coming to reaching your limits, you’ll be less likely make frivolous purchases.

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How to Improve Your Medical Device Funding Chances?

Using the best medical devices is essential for doctors to have a successful practice. However, buying the latest medical equipment involves a substantial amount. Therefore, it is difficult for medical practitioners to arrange funding for medical equipment without external financial existence.

Doctors could approach lending institutions like Bajaj Finserv to gather financing for medical equipment. Such institutions provide customised Loans for Doctors that cater to their specific requirements. Moreover, these lenders require minimal documentation formalities so that borrowers can get hands on finances within a short time.

Moreover, Bajaj Finserv also provides pre-approved offers to their existing customers. These offers simplify the financing process for borrowers. Also, the pre-approved offers are provided for all kinds of loans like personal loans, home loans, business loans, etc. Applicants only have to provide a few essential details to access their pre-approved offers.

However, doctors must keep in mind a few essential things before they opt for a loan to arrange funding for medical equipment. Here are a few ways in which doctors could improve their chances of getting a doctor loan for medical equipment.

Doctor Loan - Bajaj Finserv

1.Doctors must pay attention to their debt-to-income ratio

Applicants must keep a note of their debt-to-income ratio. A debt-to-income percentage denotes a good balance between debt and income and vice-versa. The lower the ratio, the more ability an applicant will have to manage their monthly payments and repay debts.

Thus, individuals must provide proper details of their current income and obligations while applying for a loan. Mentioning the correct information helps lenders get a fair assessment of one’s repayment abilities, and hence, allows faster processing of the loan application.

2.CIBIL Score

A good CIBIL score is one of the most significant eligibility criteria for doctor loan. A credit score higher than or equal to 750 is the most favourable. Individuals having high credit ratings are considered to be bankable prospects for granting a loan.

Doctors can take important steps to improve their credit score if they have a low rating. They can repay their current outstanding debts to increase their CIBIL scores. Repayment of loans is one of the steps doctors could take to improve their credit or CIBIL rating.

Note: Applicants with an excellent credit rating have the advantage of getting a better doctor loan interest rate on their loans.

Are there any other sources for funding for medical equipment?

Apart from a conventional doctor loan, applicants can also opt for a loan against property for doctors to fund their requirement for medical equipment. These loans can be used for funding high-value medical equipment for large-scale medical practices.

Also, these loans have a lower interest rate compared to regular doctor loans. Plus, they can be availed over a longer tenure. But, the most important factor of consideration here is borrowers might lose their property in case of failure of repayment. Therefore, they must keep in mind the specific amount they require for purchasing medical equipment.

Also, doctors must make a note of the scale of operation for their practice. If they’re functioning on a medium or small scale, then opting for a regular doctor loan can suffice amply.

This is because such loans are approved quickly and allow them to get their finances to buy the best medical equipment at the earliest. Plus, they wouldn’t require to keep any security as collateral with the lenders either.

Does risk-taking ability count as a determining factor?

If borrowers are keen on opting for a loan against property, then the risk-taking ability is a decisive factor while availing a loan for medical equipment.

However, this is only a secondary factor. Doctors must be sure of their CIBIL score and repayment abilities to secure a loan when seeking funding for medical equipment.

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6 Lesser Known Reasons You Should Buy a Hybrid Car

Hybrid cars are all the rage nowadays. Are you also reading up more and more about the pros and cons of buying a hybrid car? We are here to advise you to make an informed decision about hybrid vehicles.

Considering the frequently asked questions and lesser known facts around the internet, we have curated this list of lesser-known facts that support your vision of buying a hybrid car.

Low maintenance:

One of the coolest things about buying a hybrid is that the gas engine does not run when you make a stop or drive slowly. If you reside in an urban area, these two things happen on every street corner.

If you’re driving a standard car, frequent pit stops can put a lot of pressure on its engine. With a hybrid car, you can rest assured that the maintenance cost will drop significantly.

Every time you stop, a hybrid [it] generates more electricity which can then be used at lower speeds, or for accelerating quickly. –Source

Hybrids generate electricity with a regenerative brake instead of standard brake application. This means that your brakes will last longer than a normal car. The brake systems will require low maintenance because you can drive around all day in a hybrid car without ever worrying about the pressure on brakes.

Durable battery:

It’s a myth that a hybrid’s battery fails easily. Most people think that the battery is unreliable and replacing it will cost you an arm and a leg.

This is not true. A hybrid car’s battery comes with a warranty of eight years or more, giving you immense satisfaction of saving bucks on a replacement.

You can drive around a hybrid car for miles without affecting its battery life. Given the strong warranty and lower cost, you can be satisfied that battery replacement will not be a sudden issue.

Don’t believe in the myth that the components of hybrid cars wear out faster than normal vehicles. For example, when a Prius was driven 200,000 miles, it was found that the battery was working just as good as new.

Resale value:

You must be thinking about the resale value of your hybrid just as soon as you buy a car. You want to put your hard-earned money in the right place.

With hybrid cars, the owners are always in luck. These cars are great performers for their owners when they are there and have great resale value when you want to sell them off.

Hybrid cars are like a great investment. They cost less to maintain and save money for their owner for as long as they are in use.

When an owner sells a hybrid car, he or she sells it for much better value than a conventional car, because this machine still has years of service left in it.

Gas prices don’t have anything to do with the price of your hybrid so you can relax. In any case, before you decide to sell the car, get an accurate valuation of it, and you will know how much your ride is worth to a new buyer.

Don’t just walk into a dealership that tells you that we buy any car. Ascertain your car’s correct value. Here is a free online car valuation tool to help you get started.

Tax incentive:

The federal government seems to love hybrid cars too! When the Energy Policy Act of 2005 became functional in the US, hybrid car owners got special credit for their purchase. If you are wondering how much the tax incentive is – it’s $3,400. For many taxpayers, this is a significant amount.

There are many things you must know before you avail this incentive. Firstly, the driver needs to have purchased the car after Jan 2006. You wouldn’t get credit if you bought your vehicle before this date. You can read up all about this incentive on this website.

Environment friendliness:

When you buy a hybrid car, you are doing something for the protection of the environment.  Hybrids are popular because they emit less pollution and decrease the carbon footprint. Hybrid cars produce 10% less smog than a conventional.

 “So when you drive a hybrid, you’re also helping to reduce all of those ‘upstream’ emissions.” -CNN

When you register your car, you should not worry about an emission test. You should check with your state’s government to see if the car requires a fuel emission test or not. You will love the fuel efficiency of a hybrid car which can even beat EPA mileage estimates.

Smooth driving:

When you drive a hybrid, you instantly notice the eerily quiet atmosphere it creates. These cars are so quiet; they soothe the mind when you drive, regardless of the amount of traffic on the road. The reason behind this quiet is that the gas engine is not always running in a hybrid car and the electric engine is mostly soundless.

Moreover, the cars are warm. Hybrid cars are packed with anti-cooling systems that don’t require much energy to warm up the car. Look forward to easy starts and smooth driving experience with a hybrid car.

Have you invested in a hybrid car? We’d love to know your experience.

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How to Fulfil your Dreams with the Best Investment Options?

All of us have dreams and personal goals that we relentlessly pursue. At times, our goals may appear to be too far-fetched or even unattainable. They may appear to be too expensive and beyond our reach, financially. By exercising financial discipline and making wiser investment decisions, we can have greater control over our financial future and fulfil many of our financial goals.

The key to financial success is in being aware of the various investment options available in the market and choosing the most suitable ones. Among the various investment options available to make dreams come true, fixed deposits score over others because of these features:


  • Safety of your Investment


An investor needs to be sure that his investment is in safe hands. A fixed deposit has been a preferred financial instrument as far as the security of your investment is concerned. Apart from FDs offered by banks there are several NBFCS that have entered the market with similar products.

For instance, Bajaj Finance Fixed Deposit not only gives you high returns on your investment but also offers flexible tenors to meet your liquidity needs. You can get an FD interest rate of over 8% on Bajaj Finance Fixed Deposit, which is higher than the market average.

Bajaj Finserv also offers pre-approved loans, cards, insurance and EMI Network offers to help you fulfil your financial needs. Click here to discover your pre-approved offer.


  • Guaranteed Returns


An FD offers you guaranteed and predictable returns. Using an FD calculator, you can determine the exact amount that will be available to you at maturity. Though bank FD interest rates have fallen in recent months, there are several corporate FDs that offer you attractive returns.


  • Liquidity


If you need money periodically, you can opt for a non-cumulative FD and withdraw the interest amount as periodic payments. You can choose a monthly, quarterly, half-yearly or yearly scheme based on your requirement.

If you opt for a cumulative FD, the interest amount will be re-invested in to your capital and will generate higher returns.


  • Availability of Loans


Most banks and financial institutions offer loans against FDs. The amount of the loan usually hovers around 70-90% of the FD amount. There is no processing fee on such loans and the procedure for availing these is very simple. The interest on these loans will be 2-2.5% higher than the interest rate that you get on the FD. You will, however, continue to earn interest on your FD.

The repayment can be done in convenient EMIs and the bank does not charge any penalty in case you pre-close the loan. Loan against FDs can help you tide over financial emergencies in your life. Very few financial instruments give you this kind of flexibility.


  • Ease of Operation


An FD is convenient and easy to operate. Most banks and NBFCs offer customers the facility to login to their websites and create FDs online. You can track your investments on a real-time basis and make any change that you may want. Pre-closure of FDs can also be done online, and the money would be automatically credited to your savings account.

Traditionally, fixed deposits have been the most preferred savings instrument in India. With NBFCs and other companies entering the market, today you have several options to choose from. FDs offer a lot of flexibility and convenience while guaranteeing the safety of your money. It is one of the safest investment options available today.

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