Money and Technology

Saving, investing and making money with technology

Office Apportion: Find Shared Office

Nowadays, it is not a piece of cake to find office or workplace in a limited budget. For one who wants an office ina premium area has to shell out a very big chunk of his investment. If the business is in the startup stage, and the number of staff is very small, he can think of sharing the place with a suitable firm. This would result in the division of rent, maintenance and other expenses which would then result in less load of one’s wallet.  Hence the idea of a shared office concept is having a wide acceptance among the startups and SMEs, which is more convenient and reliable for everyone.

Selecting the workplace and its location

Workspace is the bread and butter of any company, and it is the heart and soul of any business. Thus the selection of workspace is very important, and one of the most important aspects of this selection is location. In the region of Gurgaon, M.G road is considered to be the best location for having an office as it has two malls, a metro station and is easily connected by various means of transportation.

As this area is very popular, having an office in this area is no small feat, and it is also very heavy on one’s pocket. Thus sharing office space is an ideal option in the initial days of a company’s growth. There are many shared office space in M.G. road Gurgaon which one can have a look at, it is beneficial for a company starting to grow; it saves its revenue by reducing the cost of the property to half. Thus the concept of shared space has started gaining impetus in the office space market.

The concept of virtual office

In the era of internet, the most of business is supposed to be done via online service providers. Likewise, Banking transaction, Social media marketing, Online selling business, etc. for these types of business, the revolutionary idea of a virtual office has come into existence. A virtual office has office space on a digital platform for the means of communication and address proof without having the space in reality. This service is provided on nominal charges, and in some cases, even telecommunication services are provided.

Read about Small Business Owner Courses

When the budget of a company is limited, and all the function it has to perform are online, and there is no requirement of space for official work, virtual office space would be an ideal choice to have a look at; the services are provided at a very reasonable cost. Virtual office space in M.G. road Gurgaon is available at a very affordable rate where the individual gets to use the address of the office for business-related purposes and other services such as telecommunications are also provided.

These ideas of shared office space and virtual office space have been a boon to small-scale and startup industries as they can now afford office at a reasonable rate. In the case where the office is needed only for business communication virtual office space seems to be an ideal option to look at, this has encouraged many new startups in India.

Continue Reading

Bosch 100 Series: The World’s Number One Dishwasher Brand

You know, I want tell you all about a great dishwasher that saw while surfing online at BestBuy. I am talking about the Bosch 100 Series in particular. It’s one of a kind. And I love it. It’s the best dishwasher I have seen.

What makes Bosch the World’s #1 Dishwasher Brand?

It’s Quiet

The Bosch 100 Series is quite possibly the quietest dishwasher brand in the U.S. and it uses 18 sound reducing technologies. And the InfoLight® lets you know that it’s running, because, it’s so quiet you wouldn’t know otherwise.

It’s Reliability

And the Bosch is the most reliable dishwasher brand of it’s kind and with the lowest repair rate according to a leading consumer publication.

It’s Design & Flexibility

I know the Bosch 100 Series comes in a variety of designs and door handles to fit any kitchen design.

And also, It has a 3rd rack that adds 30% more loading area. It has an Adjustable Rackmatic™ rack it provides 9 adjustable positions giving you maximum loading flexibility.

It’s Performance

Bosch owns 5 of the top 10 drying scores out of 160 tested dishwashers by a leading consumer publication. How awesome is that?

And its condensation drying sets Bosch apart from other dishwasher brands.

You all know that I really like that this series is fingerprint-resistant stainless steel that helps guard against smudges and fingerprints It’s also easy to clean.

The utility rack is the perfect place for hard to place items like basting brushes and whisks. And it opens up space on the upper rack for all the rest of your dishes.

And also, you can skip the Pre-Rinse with Bosch because all Bosch dishwashers have PrecisionWash™. This is an intelligent wash system with sensors that target every dish to leave them sparkling clean, every time.

I really like that in the Bosch factory, they perform 485 quality checks on every dishwasher to ensure lasting performance in your home.

And I want everyone to know that if you’re in the market for a new dishwasher, I recommend checking out the Bosch 100 Series at Best Buy and making your life easier and your kitchen shine with the world’s #1 dishwasher brand.
Remember to pin for later…

The reviewer has been compensated in the form of a Best Buy Gift Card and/or received the product/service at a reduced price or for free.

Continue Reading

How Renewable Energy Is Redefining HVAC

By August of 2015, the solar HVAC industry with innovative solutions like solar management software had started showing immense activity. While factors, such as federal tax credits, keep the activity in the market at a low, there is no lack of potential! In fact, the world is waking up to the feasibility of using the use of renewable heating and cooling systems. However, even now only 16% of energy for heating and cooling in the UK is generated from renewable resources.

Positive Change

HVAC technologies powered by renewable energy resources have the potential to change the world. They are already responsible for:

  1. Reduced Emissions

Greenhouse gases are the main reason behind the rising temperatures and global world. The new HVAC technology has reduced emissions of those gases. It is now even possible to heat or cool a building without any greenhouse gas emissions!

  1. Reduced Refrigerants

Freon, a refrigerant that was conventionally a part of air condition units was banned in 2010 when it was discovered to be depleting the ozone layer. Due to the new HVAC solutions, we don’t have to depend on hydrochlorofluorocarbons (HCFC) like Freon.

  1. Improved Health

Since fossil fuels when burned emit gases and particles that can affect our respiratory systems negatively, dangers of asthma and bronchitis has been increasing steadily. Clean and green HVAC technologies have had a positive effect on the air quality.

These newfangled HVAC solutions do hold some merit. Does that mean that the British customer is only opting for a green solution or will it also save them money? Before we look at some of the new innovations, take some time to absorb this fact: heating and cooling are responsible for the consumption of almost 50 percent of the energy in the EU alone!

Natural Gas VRF System

You might be familiar with the YANMAR compact diesel engines. VRF stands for Variable Refrigerant Flow system that was first conceived by this company in 1987. The unique characteristic of the VRF system is that its heat pump doesn’t require a huge input of energy. It’s powerful heating, and cooling capabilities are courtesy of a natural gas-powered engine. Moreover, when this engine works, it emits a lower volume of greenhouse gases than a coal engine would. The difference isn’t insignificant either amounting to 80% less NOx, no SOx, and 35% less CO2!

So, when you use one of the VRF systems, you save on energy. What else can this generator do for you? Besides that, it lowers operating cost. Moreover, it can easily be installed – and has been – in a wide range of venues, including schools, offices, multi-family complexes, and even restaurants. Sounds like an improvement worth making, doesn’t it?

Smart Thermostats

The word smart has come to mean something different in today’s world. Now, it indicates technology that is more energy/cost efficient and green, like the solar sales software. So many smart developments and inventions have flooded the market that you might have missed Google’s Nest. This smart-thermostat doesn’t just learn from its user’s past behavior. It is also programmable and thus highly customizable. Moreover, it can connect to the Wi-Fi and make remote operating possible.

Like the solar management software with its many uses, smart thermostats have unlimited uses in unlimited areas. For instance, look at this company, using Nest thermostats their new range of furnaces.

With innovations like the solar sales software, it is possible for households to reduce their gas consumption by at least 15%. That means a reduction of $150 – $250 in utility fees on an annual basis!

PureTemp

Solar management software has changed the world for the better. But so has PureTemp! It seamlessly becomes a part of any HVAC system and prevents energy wastage. Most furnaces, heaters, and ACs waste a part of the HVAC-generated energy when they restart or are set at a specific temperature that must be maintained. With the PureTemp in action, this energy is stored, harnessed, and then used more greenly. PureTemp has given us more energy and cost-efficient alternative for all HVAC systems – whether residential or commercial!

How much money can it save you? Consider the fact that unlike most HVAC solutions that can only store 4 joules of energy per gram, PureTemp boosts the performance 50-fold by storing 200 joules!

Microgrids

Another green and energy efficient solution like the solar sales software, microgrids, are now a not-so-distant possibility. Instead of using a vast grid to supply electricity to a neighborhood, the same can be done smaller, multiple grids or microgrids. Microgrids were initially invented as sources of backup supply power during a blackout.

Since they have well-defined boundaries that allow microgrids to only supply power to a particular area, they can be used as springboards for renewable energy powered systems. Think about it, depending upon which type of renewable resource is easily available in a region, a microgrid could be designed to make the most of it. After all, it won’t make sense not to have microgrids operating on solar energy in Arizona or a wind one in the Congo! Similarly, geothermal and biofuels are two other resources that could be tapped into for other regions.

That isn’t to say that the traditional power grid system should be dismantled completely. Instead, both types of grids should be used in conjunction. So when a blackout occurs, one of them would still be functioning and continues to power the areas sans electricity!

Millennials now form the largest consumer demographic. That means their preferences and the causes closest to their heart matter to companies. By having priorities, this swathe of the population has redefined how business is to be done. They have transformed the kind of relationship the previous generation had with utility companies. That is why companies had to decide to pay attention to the advantages of energy-saving innovations. Green solutions now have mainstream exposure and reach. Renewable energy is redefining HVAC systems, and this is just the beginning of the revolution! Check out Scoop.Solar for innovative automated solar solutions like the solar sales software!

Continue Reading

Easy Ways to Lower Your Internet Bills!

Different internet service providers are charging high bills these days – whether you are searching for smooth internet or robust connectivity, the costs are high. However, there still exist such providers who save you a considerable amount of money. Lots of people falsely think that if you want the best service, you will have to spend the tremendous amount of money. That’s not true. If you plan out everything and adopt specific strategies, you’ll be able to lower your monthly expenses in your budget. If you start off randomly, then that will make things hard for you, and you will end up subscribing to expensive broadband. You need to follow the specific guidelines to save your money.

Categorization Your Available Options: Firstly, discover what types of the internet is accessible in your area. It could be Cable, DSL or Satellite. Next, you need to find out all about the internet that different ISPs offer. For example, Viasat gives you DSL internet; charter provides with cable internet and Century link proposes Satellite internet. The third step is to find out the detailed info on every single ISP.

Digging Deep into Various ISPs: You can look into further details of what a particular ISP offer. For this, you need to visit the official blogs and online sites to gather all the information. There are numerous ways you can do it like contacting the supplier via a direct call, or text messaging and sending an email. Check out what sort of ISP people are using in your neighborhood. Ask them to share their experience, if they are content with their current providers or not. Read reviews online to get a grasp of accurate info regarding a specific service.


Analyze the Merits & Demerits: Detect the quality, stability, durability, and longevity of the internet. Find out the soundness, and robustness. Uncover the hidden drawbacks and snags of all ISPs. Probe if it can fulfill your demands of business internet usage or not. After you distinguish between ISPs, single out the one you find the best, and that ticks all the right corners.

Compare the Pricing: Know the prices of the internet plans by various internet providers. You need to complete your homework if you want to see the desired results. Juxtapose the costs by using comparison tools or apps available on the web or play store. Check out the monthly expenses on the providers’ website.

Latest Promotions & Deals: Often internet providers offer promotions for the specific period, in which they offer all of their services at quite an affordable price. You can get a half or a full year discount on your bills. If you get successful in convincing them, then you receive more discounts.

Bundles & Packages: Often internet donors bring forth the packages which offer numerous free services. Charter Spectrum Internet Bundles is one such example – it’ll give you voice as well as TV. Not only that you get a free modem, cost-free Wi-Fi, free installation, free Digital video recorder and a lot more free services.

New Subscriber Advantages: Diverse suppliers like Comcast, Verizon, Mediacom, AT&T, and Charter bring forward exclusive bonuses for the new customers. Search for such services and don’t hesitate to switch over to the provider, offering you each possible discount.

Buy up a Modem: After you subscribe to a particular ISP, they provide you with a modem or a wireless router. The router isn’t always for free, and most of the time you are renting it. The Providers add up modem charge like $5 to $10 in your bills every month. Therefore, if you want to preserve your money, instead of leasing a modem from the companies either purchase out the equipment or find the provider that offers a free router. You will be able to save lots of dollars this way.

Continue Reading

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!

Continue Reading

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.

Continue Reading

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 SchoolPhotoFinder.com now!

 

Continue Reading

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.

DIY

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.

Continue Reading

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.

Continue Reading

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.

Continue Reading