Monthly Archives: February 2018

Go It Alone: Your Guide to Solo Travel in Thailand

| Travel | No Comments

Even though traveling alone can be described as boring or even unsafe, there is something particularly primordial and manly about this very thought. Furthermore, traveling on your own gives you a level of independence you could never achieve otherwise. Think about it – no more stopping because someone else has to go to the bathroom, no reason to take tours you don’t care about and no more voting when it comes to the future course of action. You call all the shots and you partake in all the action. Still, it goes without saying that traveling alone has more than several downsides as well. With this in mind and without further ado, here are few tips for all alone travelers in Thailand.

Go It Alone: Your Guide to Solo Travel in Thailand

Think about Safety

The first thing first, you need to think about safety. Sure, going in groups might make you feel more comfortable in some aspects, but when it comes to pickpocketing and losing things, this form of travel is as powerless as going on your own. In order to prevent this, you need to take several steps of percussion. First, you don’t want to carry around more than you can afford to lose. Most luxury hotels have a safe in a room, so leaving the majority of your funds there seems like a smart move.

Next, you probably shouldn’t carry too much tech around. Looking out for your phone on its own can be quite demanding and the last thing you want is for your attention to be split between several items. Finally, you might want to consider getting those pants with zipped pockets in order to put an extra barrier between your wallet and a potential thief.

Also, a lot of people go to Thailand for its incredible nightlife. This usually involves a substance or two, which can become a bit of a problem. Keep in mind that you are on your own in a foreign country, so try to keep this in check. All things in moderation.

One last thing, you also need to worry about the safety of assets you leave back at home. So, don’t announce your departure on social networks, make sure someone checks in on your home every once in a while and make sure everything is properly closed and locked. As for some of your most valuable possessions, you might want to deposit them in a reliable mobile storage unit until you come back home.

Make Your Trip Frugal

Another thing you need to keep in mind is that in order to fully enjoy your trip you also need to get the most out of the money you intend to spend on it. In other words, the less you spend on some of the more mundane expenses (hotel, food or souvenirs) the more you will be able to spend on scuba lessons and clubbing. When it comes to the lodging, hotel hopping can both save you quite a bit of cash and help you see the most of the city you are staying in.

Go It Alone: Your Guide to Solo Travel in Thailand

As for the food, you might both save money and get the authentic taste of Thailand by turning towards street food. In fact, there are some parts of the town that specialize in different delicacies and it could be worth your while to discover them all. As for the souvenirs, it is much more frugal to buy some authentic Thai items like sauces, spices, silk, spa products and handmade Thai jewelry at the market, rather than to go to a souvenir shop. The prices in most of these shops are inflated to meet the standard of the tourist’s homeland and in no way reflect local prices.

Thai Nightlife

So far in this article, we addressed the issue of Thai nightlife several times, so, it is only fair that we make a brief summary of the places that are worth visiting. One of the most common misconceptions about Thailand is that the prostitution is legal in the country. While this is not the case, it is tolerated in practice and in some areas it is even indirectly protected by local officials. For those who are interested in sex tourism, Thailand has three red light districts: Soi Cowboy, Nana Plaza and Patpong. As for those interested in clubbing, Ce La Vi and Onyx are the probably the first two places you want to visit.

Visit the Landmarks

Finally, those who want to see the full beauty of Thailand absolutely must take a tour that entails visiting some of its most iconic landmarks. We are talking about places such as Erawan Falls, Wat Arun, Phang Nga Bay and, of course, Ko Phi Phi. These natural wonders, locations of historic value and incredible beaches are all worth paying a visit. Still, seeing all that this amazing place has to offer exceeds the time-span of a single visit.

Go It Alone: Your Guide to Solo Travel in Thailand

At the very end, it is important to mention one thing – even though Thailand is a great country for a family visit or a trip with your friends, going out there alone is bound to give you a completely unique experience. By not having anyone to chit-chat to every single step of the way you will be able to fully focus on the trip and trip alone. Needless to say, this kind of pilgrimage can help you discover yourself, somewhere along the way.

Types Of Diaper Bag : Which One Is The Best For You?

Types Of Diaper Bag : Which One Is The Best For You?

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It is completely a new phase of life when you go to market for purchasing diaper bag. Parents often get confused when it comes to choosing diaper bag for kids.

It is not easy to decide which one to choose as comfort is a major factor that one looks forward to. You wouldn’t able to handle the bag for long if you are not getting comfortable with the bag you are carrying.

There are various kind of bags available in the market which make parents confused in the selection process. It is not easy to get the clearer picture immediately but possible if one gets all the necessary information about the bags clearly.

In this article, i’m going to discuss types of diaper bags in the market and which one is the best for you :-

Tote diaper bags

Tote bags are the most popular form of bag which most of the parents prefer to buy. They are handy and bigger in size, you can keep kids and your stuff in a single bag easily. Looks bulky but has 2 handles to carry the bag over the shoulder, tote bags are available in different styles. Pick one which suits your personality best, although carrying can be an issue for some who don’t have a habit to carry on one shoulder.

Satchel Diaper Bag

Satchel bags are bit different from tote bags, they are smaller in size and designed in a shape of square. Two handles are provided with these bags but not big enough to carry on shoulder. These are usually carried by moms on elbow, ideal for them as it has few compartments to organise things.

Clutch diaper bag

If you are looking for a bag with a purpose to keep only the changing pad then you can consider this option. It is almost similar to the size of wallet, bit large in size than wallet. It has no handle, you can carry in your hand itself also ideal for those who want a small clutcher to keep inside the diaper bag for changing pads.

Messenger baby bag

It is in trend and looks stylish in comparison to all the other diaper bags available in the market. A fashionable bag with a comforting strap to hang the bag around the chest so that it goes down. It has two compartments (foldable) which are very much useful in case of organising stuffs.

Backpack diaper bags

It will put full stop to your research, if you aren’t get satisfied with all the other bags yet. It is handy, stylish, have compartments, room for your stuffs, space etc. weight gets distributed as you will be carrying on both the shoulders. Variety of styles available in the same to satisfy you even more.


Try to make a list of all the stuffs that you usually carry with yourself. Include your stuff too as carrying kid and bag is itself a difficult task. Then move further on deciding what bag to choose as per the comfort level. Messenger baby bags, tote bags and backpacks are the most preferable one. Although, you can lookout for all as everyone has different choice.

Best Renewable Energy Source For A Home

| Home Improvement, Technology | No Comments

The market for renewable energy sources for homes is increasing by the minute and with it the real estate market is evolving. People are always looking for more ways to save money, especially when it comes to utility costs. Relying on alternative sources to power your home is not only cost-effective but also good for the environment. No to mention there are many tax incentives for this type of energy production.

So, if you decide to go green, here are some of the best ways to do it.

Wind power

Best Renewable Energy Source For A Home

One of the most common ways of using wind power comes in a form of wind turbines. If you are lucky enough to own a large property, install a small wind turbine to power your household.

The reason you need a large piece of land is that because wind turbines tend to make a lot of noise which makes them not so popular in residential areas. They also take a lot of space so you would be forced to deal with all sorts of laws and zoning regulations.

Yet, despite all the above, harvesting the power of wind is highly efficient. It’s more stable than solar power and it produces a lot more energy, sufficient enough to easily power a home.


Best Renewable Energy Source For A Home

Using this type of renewable energy is only possible if you live somewhere near moving water.

You will need a pipeline from a point where the water level is high to a lower point on the ground. The entire process of producing energy revolves around water running downhill and powering the turbine at the end of the pipe.

An energy production system like this is much more reliable and powerful than wind or solar. The simple fact is water runs continuously, without interruptions thus being capable of producing 100 times more energy than other sources.

As far as the maintenance goes, you have to do regular checkups on the turbine. Also, pay attention to the size and pressure power of the stream you are using. If it’s too small, there’s a chance that it will dry out during the summer or freeze in the winter.

Solar power

Best Renewable Energy Source For A Home

Solar energy has become the most accessible and common solution for renewable energy. Solar panels are often placed on the rooftops but you can also find them scattered around the yard. To create enough energy for your home, you’ll need photovoltaic solar panels, an inverter, and batteries which can save up some of the energy in case it gets cloudy for a while. Depending on the position you place your panels in, you can produce 10 or more watts per square foot. A typical household usually needs a kilowatt of power to operate on a daily basis so prepare to invest in at least a few square feet of panels.

The amount of energy created by the panels differs depending on the region. If you live in a place with the majority of sunny days, this type of energy production will definitely pay off.

But before you officially go solar, make sure you’ve done all the necessary preparations first.

Check the state of your roof in case it needs any fixing. This is imperative if you opt for the rooftop panels. Consult with experienced remedial builders from your area and do all the preparations before you start with the project.

Another option is to invest in solar shingles which are placed on the roof tiles instead of the actual roof itself.

The biggest downside of solar power is that it’s limited to the number of sunny days. In case you live somewhere the sun doesn’t shine all the time you’ll have to invest in an alternative source of renewable energy.

Geothermal power

Since geothermal power is produced in very large amounts, a home variation is usually limited to heating or cooling. Even so, it is still a huge save when it comes to your utility bills.

The way a geothermal system works is that it uses earth’s stable temperature and replaces the one in your home. During the winter the heat is pumped inside the house and during the summer it’s taken out.

Unfortunately, geothermal pumps are not that highly efficient but some are known to reduce your energy costs by 40%.

Yet, installing a pump which is strong enough to maintain an average home is nowhere cheap. The pump alone can cost up to 8000$ and the drilling costs are close to 30.000$.

None of these renewable energy sources are ideal but we can not depend on fossil fuels alone to withstand us forever. Having alternative ways of power is highly important especially in this day and age when mass consumption has reached its maximum. It may seem complex and costly in the beginning but investing in renewable energy sources will really pay off in the long run.

Eating Right: What The Science Says

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Proper and healthy nutrition is one of the most important issues of the modern man today. Human health, productivity and mood are directly conditioned by the diet that is applied on a daily basis. A man today, on the one hand, is accustomed to the accessibility of a large number of diverse foods, and on the other hand, stimulated by a quick lifestyle, believes that everything that is on the market is a healthy and useful food. But the truth is hidden far behind. The still-famous Greek doctor Hippocrates said: “Your food will be your cure.” After decades of research, modern medicine has come to the conclusion that the cause of man’s diseases is the food they eat or the one he does not eat.

If we want to stay healthy we should be familiar with the basic principles of proper nutrition. Prerequisites for proper nutrition are the supply of sufficient food and a balanced amount of healthy eating.

Adopting the principle of proper nutrition is usually not easy because the habits acquired are difficult to change, but the adoption of healthy habits is the price of a healthy life!

The goal of balanced nutrition planning is to achieve energy and biological value and nutrition structure that promotes health and prevents illness.

Eating Right: What The Science Says

There is no Perfect Recipe

There are many possible and different ways to eat healthily – there is not a perfect recipe, a plan and a program that is ideal for every person. What is often forgotten is that healthy eating does not just mean avoiding unhealthy food, but it also means consuming the other, healthy, to a greater extent. Therefore, it’s not just about giving up. Perhaps the bigger challenge is to eat all this varied healthy food so that we can provide the nutrients we need.

Common Sense

More or less we all know the basic things about healthy eating, even if we may not completely abide by them. The problem with modern eating theories is that they often refer to science, and in fact offer completely false and confusing tips that mostly go against common sense. Indeed, when in magazines, on the Internet and television, we begin to listen to the convincing explaining of such and similar things, we begin to doubt ourselves and think that perhaps we do not know enough about nutrition.

Scientific vs Alternatives Recommendations

Eating Right: What The Science Says

To name just a few that have been presented as “scientific knowledge” for decades, and which have led the generations to eat wrong: margarine is good and butter is not good, it is necessary to eat refined vegetable oils, avoid fats and replace them with carbohydrates, milk and dairy products are not good and similar. On the other hand, today’s “alternatives” in nutrition popularize some recommendations that have no basis in science or in practical experience: that cereals are harmful to human consumption, that gluten should be avoided, that only raw foods are healthy and similar. How to deal with all this?

  1. Rational nutrition is a resonance between the amount of food consumed and the amount of food consumed for appropriate processes in the body such as thermoregulation, internal organs, physical activity, and others. Thus, a deviation from this balance leads to insufficient or too rich diet, nutrition and rational means at the same time taking foods that are less expensive, but equally worthy so that does not diminish the nutritional value of food.
  2. A balanced or moderate diet is another principle that represents the optimal amount of nutrients. It must neither be overabundant nor insufficient, not only in the energy sense but also in terms of the intake of vitamins and minerals and other nutrients. Overly or insufficient nutrition can lead to various disorders and as a result, many diseases can occur.
  3. Various and mixed nutrition is very important and includes two concepts: food groups and types of meals. During the day it is necessary to take food from all 7 groups: cereals, vegetables, fruits, milk, meat and legumes, fats and sugars. Due to the richness of our and foreign cuisine, of course, if possible, dishes should be diverse and without frequent repetition.
  4. Equilibrium of the diet (daily rhythm of the meal)

It is necessary to take more meals with smaller food amount during the day. It is especially wrong if we take the entire amount of food in one meal! In this way, the digestive organs and the whole organism are weighed down.

Eating Right: What The Science Says

What are the Ideal Nutritional Measures?

  • Carbohydrates should make about 45-65% of the daily caloric intake. The body prefers them as a source of energy. They are found in plants, but also in dairy products.
  • Proteins: 10-35%, important for tissue construction and body regeneration. They are found in animal products, legumes, and stone fruits as well as in protein supplement snacks sourced by True Protein, for instance.
  • Fats: 20-35%, they are about twice as caloric than the previous two, but depending on the type and quantity they are necessary and healthy. Fats are found in oils, dairy products, meat, stone fruits.

Of course, this does not mean that you need to eat fries and bread the most, and a little less sausage and bacon!

Healthy food does not have to be expensive and packaged well! It’s important that it has as little additives as possible and to be as natural as possible! Therefore: eat everything and eat moderately.

That is what a healthy diet is all about!

What Are The Most Common UX Pitfalls In Mobile App Design?

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User experiences involve the user interactions with the user interface of a software product. Therefore, UI is the first priority for UX designers while developing a mobile application for your business or profession. The next things in the UX design are navigation for the user journey and conversion funnel to hit the goals of the app.

Without the excellent UX, the app success remains a nightmare. So, app development team always take care of UX as a prime concern. However, some common pitfalls in the UX design of an app can ruin the app success and abolish the reputation of app development team or the agency.

Read Now: 10 Tips to Make Mobile App Design Alluring and Engaging

In due course, the following pitfalls have listed here to manage right from the beginning of the app development process. Those pitfalls are:

  • UX design restricted up to UI design stage
  • UX has nothing to do with target audience research prior to doing planning
  • UI design is UX design and UI designer only responsible for UX designing
  • Competitor analysis has no contribution to UX designing
  • UX for RWD and app design is the same thing
  • The app must have all possible bells & whistles
  • UX testing should limit up to QA phase of app development
  • Onboarding is not essential

The more detail is available on our blog “Beware of Common UX Pitfalls While Designing a Mobile App” and also you have open invitation to contact the UX evangelists at SysBunny to get direct guidance and quote for your mobile app development project for an excellent UX.

Choosing The Best Sport For Your Kids: Age-By-Age Guide

| Entertainment, Fun & Sports | No Comments

So, you decided to enroll your child in a sports activity, in hope of keeping them active and improving their life. However, simply signing them up for something doesn’t mean your work ends there. It takes patience, care and active tracking of how your child feels to know if it actually works for them. Wanting the best for your kid means involvement, but also letting them find their own preference. And in the sea of possibilities, how to know which sport to choose? This is where we come in, with a brief age-by-age guide on the best sports for your kids.

First comes first 

Love for sports comes from a lot of trial and error. Don’t be afraid to let your child quit a sport they don’t like, or want to try something new. Let the choice be theirs, and you keep on the sidelines as a supporter that gets to introduce them to all the fun activities they could do. If nurtured right, their love for the sport will change their childhood for the better – they’ll learn how to win and lose with dignity, more readily accept challenges and learn to push themselves. Without further ado, let’s start with the best sports for different age groups.

Choosing The Best Sport For Your Kids: Age-By-Age Guide

Ages 2-5

Seeing how kids still have to master basic motor skills at this stage of development, the unrestricted free play could be the best choice. Their coordination is still not good enough to master dance moves or karate techniques, and their attention span won’t last as long as one training session. This is a crucial moment where you need to spend as much time being active with your child and getting to know his or her strong suits, as they will come in handy when choosing the right sport later on. For now, stick to throwing, running, catching, tumbling, and simple exercises wrapped in playtime.

Ages 6-10 

Once they start school, kids begin to gradually improve their attention span and concentration, which are crucial for more organized sports. Their hand-eye coordination is improved, they’re more open in following directions and will focus somewhat more on the joint cause of the training session than goofing around with other kids, like when they were a toddler. Depending on how much of a team player your child is, you can go for team-based sports, such as basketball, baseball, soccer or dancing. If they prefer working alone, but still being part of a team, there’s always swimming, fencing, tennis, and more. 

Ages 11 and up 

This is the critical age where your child is physically advancing and can take more demanding tasks, as well as think strategically. However, this age also gives them independence on what kind of sport they’d prefer, or if they even want to train anything. If they decide to quit – don’t despair. There are plenty of activities as a replacement – organized hiking, swimming, skateboarding, and bike riding. Not to mention that there are great value bicycle deals for families so you can organize weekly rides to not only support your child’s choice but to also include the whole family.

Last but not least 

Never lose sight of what matters. It’s easy to become engulfed by your child’s successes and failures and convince yourself to know what’s best for them. While it mostly is true, only they know the physical exertion, the mental stress and the amount of fun a certain sport brings them. So be patient, open-minded and let them have fun. If done right, parenting a little sports enthusiast can enrich both of your lives, and you’ll get to watch them grow into amazing grownups.

5 Romantic Valentines Treats To Cook Your Loved One

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Valentine’s Day must be one of the worst nights of the year to eat in a restaurant. You’ll find that bookings are tricky to make, prices are artificially inflated and menus are packed with supposed aphrodisiacs like oysters and figs. Not only that, but many restaurants take the opportunity presented by Valentine’s Day to pack couples into the space they have like sardines – and there’s nothing romantic about sharing the restaurant with 50 other packed-in people.

No – if it’s an intimate and special Valentine’s Day that you’re after, then cooking at home is certainly the answer. You don’t have to cook anything complex or time-consuming – it’s the thought that counts – but your loved one is sure to appreciate the effort.

Why you should hire a celebrity chef

We’ve got plenty of celebrity chefs on the books here at MN2S, whether they’re cooking haute cuisine or diet-friendly food. We’ve picked five delicious sounding recipes from our celebrity chefs that will have your partner feeling very special indeed. And now we’ve done you this favour, remember that if you’re ever in the market to hire a celebrity chef, you know where to come!

Could a TV chef spice up your event?

Check out five of our favourite romantic recipes below:

Nigella Lawson’s Gingery Hot Duck Salad

Nigella says: “This recipe is a slight reworking of a Cambodian beef salad I often make; here the lime juice in the steeping mixture (which turns into the dressing) is supplemented with orange juice (Asian evocations of duck a l’orange and all that), but in season, around January, use instead of this combination the fragrantly acerbic juice of one Seville orange.”

We say: Simplicity is key on Valentine’s Day – you don’t want to spend more time in the kitchen than at the table. This simple salad recipe would make a perfect starter!

Gizzi Erskine’s molten caramel and chocolate puddings

Gizzi says: “It’s hot, it’s gooey, it’s salty, sweet and chocolatey, and it’s messy home cooking. I don’t think you’ve eaten this right unless it’s all over your face and you’re licking the dish.”

We say: Sold! Chocolate and caramel is a dessert that can’t fail – and this one is easy peasy.

Ed Baines’ Bouillabaisse with fresh shrimps and squid, chilli croutons and rouille

Ed says: “A luxurious fish stew that’s a twist on the classic bouillabaisse recipe with crunchy croûtons and a kick of chilli.”

We say: Seafood has long been thought of as an aphrodisiac and, although this delicious sounding fish stew is a little more time consuming than some of the recipes we’ve chosen, much of it can be prepared ahead of time, leaving you plenty of quality time to spend with your dining partner.

Gregg Wallace’s Leek and Potato Soup

Greg says: “Frugal and filling, leek and potato soup is a classic winter warmer. This one can be made in less than 30 minutes.”

We say: Soup is a great starter option when you’re entertaining – whether it’s a meal for two people of six. The big draw is that you can do everything ahead of time, reducing stress on the evening and letting you focus on being a great host.

Nadiya Hussain’s Lamb Bhuna with Garlic Naan

Nadiya says: “Much as I love a home-cooked curry, I needed a faster way of making them. So this is my speedy curry solution, with a sauce that gets blitzed in a food processor before being cooked.”

We say: Your food doesn’t have to be fancy to impress – it just has to be tasty. If you’re cooking for a spice lover, this tasty lamb bhuna is a great way to show off your skills.

You can hire a celebrity chef for all sorts of events – whether you’d like a cookery demonstration, a talk about their career or endorsement of a product. We have a great variety of celebrity chefs available to book through MN2S, so get in touch to find out more.

Christopher Biggins on Celebrity Masterchef

PhD Thesis Writing Help In UK

| Education | No Comments

Students find it hard, strenuous and time consuming to work on their PhD thesis and most at times will opt to paying someone a reliable company that has set records to do it for them. Ratings and peoples testimonials reveal that PhD thesis writing help in UK offer their best while handling your thesis.

Have Best, Qualified And Experienced Writers

It is clear that no one will want their work handled with amateurs. We all want our thesis to be handled with professionals since they are always for assessment purposes. Experience is recommended in any field. Any work done with a professional will always translate in the final output and that is why UK thesis writers are recommended while handling your dissertation. They never disappoint!

Open 24/7 With Customer Support

What is the need of working with writers who are not available all the time? Availability is important to allow time and room for consultation. PhD thesis writers in UK are available full time and this gives their clients time to consult with them. It also gives the writers a platform to show their clients their work progress and gives them a chance to correct whenever issues arise. UK PhD thesis writers also help you choose your topics wisely and provide a wide scope when it comes to handling this.


The services offered are reliable. You will not only get served for the PhD thesis you have ordered but instead learn of the many other opportunities and services they offer. Their reliability will attract your attention and hence become their customer.

Submit Work On Time

We all want to be punctual when submitting our theses. This is by beating the stipulated deadlines. PhD thesis writing help in UK will not fail you when it comes to this. They handle your work bearing in mind that bit is an academic paper that should be delivered to the client on time. This allows time for proofreading to ensure there are no grammatical errors, well cited and there are no punctuation errors.

Very Affordable

Are you looking for PhD thesis writers who offer affordable rates? Then worry no more. UK thesis writers offer their services cheaply. They provide discounts to their continued clients and also, they do not have fixed prices. They give room for bargaining.

Android Development and Computeries Word

Android Development and Computeries Word

| Computers | No Comments

The importance of data science has been realized by the world in today’s era of fast exchange of information. It goes without saying that data, in whatever form is of strategic importance in identifying trends of human interaction and buying behavior. Many brands are tracking the usage patterns of their consumers to provide better offerings. These are the people who insist on giving one wholesome experience to the consumer by completely understanding their needs, wants and desires. How are they able to do that? By mining meaningful information from big data of course!

Acadgild gives you a comprehensive online platform that offers some of the best business analytics courses in India. Their hybrid model of classroom teaching which is covered up by a thorough online learning is one of a kind in India for working professionals. The courses are aimed at a thorough understanding of data science and its applications, for professionals especially in the service sector to help with data-driven decisions. With our centers across India and loads of online courses to choose from, Acadgild gives you an opportunity to leverage your data analytics skills for a better bargain at the workplace.

Android applications are the next big thing today. You see most of the things of utility being created as an application that integrates multiple functions. Eating out is now preceded by checking out a Zomato review and going out means looking for an Ola or an Uber. The presence of these apps in our life is something we cannot avoid, but if you have the means to develop an app of your own, you are the smartest man today! To develop android app, Acadgild offers a course that aims at Android app development, starting from the basics. The average entry-level salary of an app developer ranges from 82000 to 100000$ and this is something a skilled person can capitalize on.

Acadgild advantage:

Acadgild also offers free data science courses, the details of which can be accessed from the website. The strategic importance of data scientist has never increased like today, where our buying decisions and behaviours are tracked like never before to provide better offerings. The courses are curated by the best of the industry people and most importantly, accessible at your own convenience. You get to meet like-minded professionals from several organizations here, and it gives you a chance to share and understand best practices used in handling volumes of data.

User-generated content from Social Media is never going to end, which clearly indicates there is no scarcity of data generation in the foreseeable future. With the world clearly heading towards digital and the five forces: Mobility, AI, Social Media, Cloud Computing and Big Data, it is time organization make specific data science teams for increasing their productivity. Acadgild makes an honest attempt through its offerings to make the most out of the existing workforce, with an appeal to train and produce skilled professionals who are ready to take on the huge jungle of data across domains.

Why You Need To Focus On Renewal, When The Term Insurance Comes Into Prominence?

| Finance | No Comments

Life is full of ups and downs. It would be prudent on our part to fully protect our near and dear ones. Hence the term insurance has come into prominence where the interests of your loved ones are protected. It is a protection if anything untoward happens to you and the family is provided with a financial security. You would need to compare insurance plans before you go ahead as then only the best policy could be purchased.

As a buyer when you are buying an insurance policy you would need to keep on paying premiums regularly. The logic is simple that if you falter with regards to the payment, then the policy is going to lapse. Most of the policies have an option of renewal online. This is a must have of a plan as the onus is on the policy holder whether they are keen to renew the plan. As the buying of a policy is important, so works out to be the renewal aspect attached to it. You should not suffer if you fail to renew a policy

When renewing a policy is considered to be important?

Imagine a situation where you are a policy holder, you suffer a heart attack just before your policy expires. If your policy is not renewed, then the insurance policy holder is bound to suffer various difficulties. It does provide you with an opportunity to extend a policy which is very much part of the original deed of a policy.

If a holder decides to opt for a renewal then there is no need for any form of medical test. Your health record as no share in this regard and an insurance company is an obligation to honour the commitments of the policy. The only thing to watch out is that you need to be in the desired age bracket. If you fail to renew the policy you face the following difficulties

  • The entire purpose of insurance stands defeated- the major drawback of an insurance policy is the purpose of it is going to be defeated. To safeguard the interest of your near and dear ones, it is as important as to pay the premium and give considerations on renewal of it.
  • A larger amount- when you are buying an insurance policy, the premium amount may work out to be on the higher side. For this the insurance company takes into consideration, age coupled with family history and your health record. If the policy is terminated due to your inability to pay the premium, then you do loose out the benefits associated with it. For this reason insurance compare company is a must before you purchase any policy. Do weigh the pros and cons of each policy.

To conclude, an insurance policy lapses if you do not possess an ability to pay the premium on time. Life insurance has become a fundamental requirement of each person and it is something that cannot be avoided.

Here’s How You Can Know The Right Time To Transfer Home Loan

Here’s How You Can Know The Right Time To Transfer Home Loan

| Finance | No Comments

An engineering professional in Amritsar, was in the process of a Home Loan application after considering the market and assessing his affordability so that the family could live in own home.

They have been living in a rented apartment for years and the time has come for them to live in own home.

Thanks to a Housing Loan that he was about to avail, the dream was finally on its way towards to be realized and lived.

His application got approved as he had a good creditworthiness, the loan amount was disbursed, he got the possession of a home he wanted to purchase and in 10 days, the family finally shifted to their own abode much to everyone’s delight.

He started paying the Home Loan EMIs, and everything was going well unless it was the second year of the Housing Loan. He realized that for the past 1 year, he was paying a higher Home Loan interest compared to his colleague Shashi. He was left red-faced because he thought that he would have saved an amount enough to use for other needs.

He was in a fix unless Shashi advised him considering a Home Loan balance transfer with a new lender offering a reduced Home Loan interest.

He thought whether if it was a right time to go for the Home Loan balance transfer.

If you are confused like him, let’s provide some situations or time when it is the right moment to transfer a Home Loan account.

Best Time to Avail A Home Loan Balance Transfer

  • When Home Loan interest rates are low

You should know that Home Loan interest rate can fluctuate gradually over time. Thus, do a regular check on a third-party website and compare all offers of the lender and apply for one and embark on a monthly saving.

  • When you have just started to repay your Home Loan

The best time to make the most of the Home Loan balance transfer service is at the start of your repayment period. Your House Loan will go on for an extended period and consume a larger portion of the monthly income for years. Thus, it would be prudent to opt for a Home Loan balance transfer if you see a lender offering a good deal on a Housing Loan interest rate.

  • In case your top-up loan is rejected

Lenders provide their existing Housing Loan customers with a top-up loan provision to avail another loan to cover other significant life goals. If you come to know that your lender has not approved your top-up loan or sanctioned it at a higher interest rate, switch your Home Loan. A top-up loan will help you avail another loan to the tune of Rs.50 lakh at a lower rate. Opt for a lender who offers you the package as per your preferences.

  • To renegotiate an existing Home Loan terms

When you see that some terms of your loan agreement have not been abided, you can renegotiate the terms with your existing lender. If you don’t see it going your way, you can opt for a Home Loan balance transfer and get to avail better terms and conditions of the House Loan. Always know that anything that lowers down your interest, EMIs, prepayment, processing fees or anything else should be your goal because you want to save, right?

The Bottom Line

You just analyzed or saw some of the situations that may help you decide that When you need to transfer your Home Loan?. If you have an existing Home Loan, check your interest rate today and know if you are saving anything or splurging! Go to a third-party website, compare all lenders’ offers and reassess your case! All the best!

Get Inspired by My 9-Year Old Niece's Lego Fund Story!

Get Inspired by My 9-Year Old Niece’s Lego Fund Story!

| Finance | No Comments

You can also develop a saving habit like my 9-year old niece such as a fixed deposit. Want to know what did she do?

Let’s put an awe-inspiring investment story! It is not from a financial executive, but from my 9-year old niece from whom you could learn the value of investments and invest in fixed deposits or FDs and more.

My 9-year old niece recently told me a story that I would like to share with you all as well. Why? The story inspired me so much that after listening patiently to her story, I realized I forgot the worth of saving and kicked off a fixed deposit account with my lender.

The story of my niece goes like this!

She recently watched The Lego Movie recently and wanted the entire Legos sets and as many as possible. But, she also knew that her parents might not indulge in such an expense because she had other toys to enjoy.

However, like all children, she did try asking parents, and as a majority of parents, her request was not accepted.

She did not lose heart and thought of saving all by herself to get the dream Lego play sets. She used to get Rs.200 as weekly pocket money from her parents. She kept all her weekly savings aside and after 25 weeks or roughly 6 months, she asked her father to purchase the playset, but her requested once again met the first fate – rejected!

My niece went into her room running, brought and showed Rs.5,000 to her father and told, “Please buy me from my savings!”

Her parents and the cousins were pleasantly stunned! How could a child of only 9 years muster all the courage and patience in the world to keep off all desires for 6 months and save money?

Her father knew that the Lego sets cost a bit more than her savings, but he did not tell her this as this might have distracted her from a healthy habit – savings! Her savings were matched with some other cash from parents’ side, and she finally got the set, leaving her jovial and eyes brightly lit with the spunk.

When she told me the story, she had so much pride in her voice! Her story led me to a thought! As adults, we don’t have so much patience and courage to save up for things and have many ways to buy things.

Further, the luxury of credit card EMIs and cashback offers make us lazy.

Just like my niece, even you could go and make a debt-free next purchase with a saving such as an FD.

Yes, a fixed deposit (FD) is an account that a person holds with a bank or lender and invests for earning some good interests on a fixed amount. The savings then mature over a selected tenor and give back the investor with fixed interest profits.

You can also nurture the habit of investing in a fixed deposit account with your bank or online lenders.

Nowadays, you can earn fixed deposit interest rates of 8.10% with leading online lenders on a minimum FD investment of Rs.25,000 depending on your membership status with the service provider.

You can also know your gains on fixed deposit interest rates with the help of an FD calculator which is available on a lender’s website free of cost.

With a fixed deposit account, you can aim for small or big financial goal of your life and let your money earn money easily.

The Bottom Line

Savings and investments are always a healthy habit. We have completely forgotten it due to many direct or indirect purchasing powers that we have such as credit card EMIs, loans and more.

A fixed deposit or any other saving habit will always give you an extra mileage your small or big financial goals, start off today and let dear money work an extra mile! Happy savings!

Reasons You Should Choose Thesis Writing Services In London UK

Reasons You Should Choose Thesis Writing Services In London UK

| Education | No Comments

There are a million reasons why you should not just punish yourself with workloads that you know can be handled by someone else whose specialization is to work on such papers as theses. There’s a wider market gap that gives you an opportunity to deliver the best thesis to your professors. But there’s also a chance to hire a writing service.

The question you should be answering yourself right now is; what do I benefit if I decided to go for thesis writing services in London UK?

They Offer Cheap Deals

While picking on a thesis writing company, you have the advantage of settling on payment agreements. Their prices and the work they submit to you is a guarantee of the right thing you deserve for yourself including the quality of the pieces they work on. Therefore, you may want to save a few coins for yourself for the next thesis you may have.

Offer First Class Graduates As Writers

Expertise is the key to writing and to any skill or field of employment in today’s world. For writing services, your thesis will be attended to by people who have experience in thesis writing and who well understand the kind of work you are seeking. Therefore, expect a well researched work with facts and credible sources.

Allows You To Choose What Level Of Your Thesis Will Be Written To

You may have knowledge on what to write at what level or stage of your thesis. Thesis writing services in London gives you the platform to choose what stage can be delivered to you.  It is not necessary to work on the full document of your thesis. You may specify a section such as the acknowledgement, the methodology or the references provided you have pointed out where you sourced your work.

Offer Incredibly Low Financial Cost

Thesis writing services in UK enable you to choose a service that you are comfortable to settle bills on. Such include sections and writers whose rates are cheap but involve quality and professional work. These writing services understand the hectic life of students and hence their charges are friendly to their clients.

Offer Really Fast Turnarounds

In case you would need your work edited, thesis writing services in London will not hesitate to change your order. They act as soon as possible to suit their clients demand.

Benefits Of Hiring Dissertation Writing Services In London UK

| Education | No Comments

You may have put all your investments for the purpose of buying a dissertation or acquiring dissertation materials from a writing company for your PhD level. The truth still stands that dissertation writing is hectic, expensive and requires a lot of input than output.

As a student, you may try to seek help from your friends and colleagues who will prompt you to seek help from a company they may have tried before. This sounds like a good idea and the task you will be left with is to find a befitting company which will offer you the best service ever.

The following are the privileges you will enjoy with the writing companies:

They Hire Only Certified Professionals Who Hold master Or Doctor’s Degrees

Like any other company which needs qualified and skilled personnel, dissertation writing services in London have professionals who will attend on your dissertation especially in the field you have specialized on? These professionals ensure that you submit to your instructors good and high quality work.

Provides Money Back Guarantee

May be, you have ordered for a dissertation and you found one at a cheaper price, or maybe you did not appreciate the kind of service that was displayed in your dissertation. The result is quite easy to solve. As long as you have not had access or used the dissertation elsewhere, you are guaranteed of a refund to the cash you have used to in pursuing the service.

On Time Delivery

It’s obvious that no one would want to receive a call from the instructor seeking him or her to submit their dissertation paper. With dissertation writing services in London, your dissertation is written and submitted to you for review even before the deadline. In cases that you may want something edited, the customer support files a claim and a response with a complete and edited work is delivered to you. The benefit here is to allow you familiarize yourself with the dissertation before you hand it in.

Discount System For Frequent Clients

There’s is a high probability that this may not be the only dissertation you may need to have. There’s a higher likelihood that in your next dissertation, you would need help and once you become a frequent client, you may have an opportunity to be given a discount. This is to show appreciation of being a dedicated support member.

Plagiarism Free Work

Dissertation writing services in London ensure that original and well researched work is submitted to you. This is to ensure credibility and trust with your instructors or professors.