Top Issue Tracking Tools in 2020

The market is becoming customer-focused and there is a constant need for tools that can help to keep your team organized and work around efficient workflow. Initially, businesses start with an excel sheet to record and track issues but with time, the complexity of the project increases and so does the number of errors. To make things manageable and transparent, businesses tend to look out for solutions that can make things transparent and can be traced in real-time. Issues can’t be tracked with excel sheets at this point and businesses start looking out for issue tracking tools that suit well with their working practice and ensure that all issues can be resolved in a timely manner. 

How does an Issue Tracking Tool work?

This is a software application that works as a ticketing system and manages all sorts of issues. When testing is performed, all bugs are recorded along with complete descriptions and details and assigned to the respective team members as per requirements. Progress of each issue can be monitored and details can be accessed throughout the bug life cycle. Here is the list of top 5 issue tracking tools that can meet testing needs from small firms to large enterprises. 

Kualitee

This issue tracking tool can be used to manage your application’s lifecycle while providing an extended list of features. From test case management to issue tracking to handling complete projects, this is all in one tool which saves your time and efforts exponentially. It helps you to keep track of all functionalities taking place and can effortlessly associate the issue with the failed test case due to which bug was encountered. This tool also allows you to effortlessly integrate with third party tools such as Jira, Redmine, etc. Having a powerful visual dashboard also gives it an edge over other tools as it is easy to interpret results and to take decisions. 

Freshdesk

If you are planning to win your clients for life then this is the tool to go for. This omnichannel multipurpose tool works on AI and comes up with self-service solutions along with bots to easily manage most of your tasks. It allows you to automate repetitive tasks which eventually saves time and effort. It helps you to easily exceed customers’ expectations as you can prioritize and categorize the tickets so that you do not lose track at any point. 

Bugfender

It works as a blog storage and collects all the information regarding the application. It follows complete privacy constraints and has been appreciated all over the world for its exemplary services and features. Bugs on all devices are logged through this software and results can be shared in a matter of seconds. It also allows you to communicate with your customers on one-to-one basis and generates a personalized experience to retain them forever. 

Axosoft

A comprehensive issue tracking tool on which most of the software testing teams can rely. All emails are turned into support tickets and team members can reply using these tools and track complete conversations at any time. It also allows you to manage complete documentation and test cases in one place and most of the activities can be carried out through a single dashboard. Customers can also create a customized portal without paying anything extra through which tickets can be created and edited. This software has been making a positive difference in testers’ life and allowing teams to become more productive while working in the assigned time and given budget.

Codegiant

This issue tracking tool will be part of your work from development to deployment. It provides a completely integrated environment to developers and works best in the Agile environment. It is considered as the most intuitive issue tracking tool and offers different types of issue tracking templates. This tool was built while considering performance as the key element and ensures that the quality of the work is not compromised at any point. 

Conclusion

Businesses are always in the hunt for the tools which align well with the working practices and can be integrated into the existing ecosystem so they do not have to switch to different tools to perform a simple task. The above-mentioned issue tracking tools are working in the best possible way and have made their mark for their unlimited benefits and features. They are equally useful for the testers and the customers as it allows them to communicate easily and perform the required tasks.

Know whether MahaRERA SRO filter is beneficial for homebuyers or not?

Maharashtra is the home to India’s largest real estate market, which also contributes significantly to the state’s overall GDP. Nevertheless, this sector encountered several issues such as ambiguity regarding property prices, no clear information regarding completion date, delay in property hand over, false paperwork and so on. As a result, new home buyers were often hesitant about investing in this sector.

To address all these issues and improve buyers’ confidence in this sector, the state government established Maharashtra Real Estate Regulatory body or MahaRera.

Accordingly, to prevent malpractice, it mandated that all developers and builders register themselves with a Real Estate self-regulatory organisation, or SRO. This filter will hugely benefit homebuyers as it will protect the interest of the buyers and ensure accountability.

How SRO will benefit homebuyers

Since the SROs will also be registered under Maharashtra Real Estate Regulatory body, they will make sure that developers and builders who enrol with them comply with all the regulations and guidelines, follow a proper code of conduct, and maintain a standard of professionalism.

The self-regulatory bodies will also be responsible for the validity of any information provided on the website regarding a project. Through self-regulation, developers and promoters will also be responsible for updating the information regularly, which will lead to increased transparency between buyers and developers.

Eligibility parameters for SRO

SROs that are already working in collaboration with MahaReRA include NAREDCO, CREDAI, MCHI etc. An SRO also needs to meet certain eligibility parameters to register themselves with MahaRERA. These are as follows –

  • The organisation must have a minimum of 500 projects of their members which are registered under RERA act.
  • It must be a legal entity.
  • The SRO must be a group or organisation or association of promoters.

Thus, every new developer who is registering their projects under MahaRERA will have to provide their SRO membership details at the time as well as go through all they need to know about MahaRERA in Maharashtra.

MahaRERA registration procedure

Developers or builders who are already associated with an SRO can follow the steps below to complete registration under MahaRERA –

Step 1: Visit the official website.

Step 2: Click on the new registration tab and create a user ID by providing personal information like name, email ID, etc. One should also enter the user type at this stage – which includes promoter, real estate agent or the complainant.

Step 3: Enter your user ID to login to your profile on MahaRERA website.

Step 4: In your profile, enter all the essential information like name, contact address, projects details, SRO enrolment details and the like

Step 5: Upload all essential documents along with recent passport size photograph.

Step 6: Verify all the information and then click on ‘Confirm Submission’.

Step 7: Pay the fees through any online payment mode to complete RERA registration.

Applicants need to upload the following documents during registration –

  • Documents stating name, address, contact information of the developer in charge.
  • If it’s a company, then its registration certificate, partnership agreement, identity and the address proof of management body members.
  • Building plan and layout which has already been approved.
  • Bank account details.
  • Form Number 2 from engineers who are in charge.
  • Form Number 1 and 4 from architects.
  • Form 3 and 5 from a chartered accountant.
  • Agreement documents for lease, ownership, or development.

After the introduction and implementation of RERA in Maharashtra, individuals can purchase a property easily without worrying about any fraudulent practices. Other benefits first time home buyers can experience with RERA is that they can quickly check the status of their project online. In case the project is not completed within the stipulated date; then the developer is required to pay interest on the amount paid by the buyer for every month of delay.

With MahaRERA, borrowers can easily access all information in one place which will come in handy while applying for a home loan.

However, some lending institutions also extend pre-approved offers to applicants, which makes the loan application process quicker and simpler. Such offers can be availed on a variety of financial products like loan against property. One can quickly check their pre-approved offers while applying for a home loan by entering only some essential information like their name and contact information.

However, aside from property prices and completion, applicants who are considering opting for a home loan should also go through the eligibility criteria and documentation to ensure fast approval on their loan application. Apart from that, they need to know the factors that can affect their home loan eligibility. Borrowers should also use a home loan EMI calculator to compare lenders and select a suitable EMI option.

Wall Painting Ideas For Home

Painting interior walls dramatically change the look and feel of any home. Paint is an inexpensive way for transforming an ordinary room into an extraordinary space. Walls are like blank canvases: when filled with color, they come alive. Do you want to make that happen?

Forget for a second about the usual approaches. There are hundreds of cool wall painting ideas that come from the most unexpected places. Just keep your mind open. But if you really want the walls in your apartment or house to look outstanding, you’ll need more than just a single color for accent.

Look up! Celebrate the ceilings and let them sparkle. Add some shine and sophistication to the dining spaces and paint these often dull areas with high sheen products. Create a festive atmosphere at home not just for the holidays. If you are not ready to change the entire ceiling, just add a stencil pattern in a glossy shade for a touch of style.

Shine ceiling design Adding a glossy frame is another tip for creating festivity at home. Any artwork is improved by the addition of a nice frame, and the walls are no different. Update your room by adding shine to doors and trim work. Highlight these areas with gloss paint in a complementary hue to your wall color.

Take a color cue from a holiday gift bag. Incorporating several colors into one space is usually a stumbling block for lots of do­it­yourselfers. By inspecting the gift bag, you’ll find unusual combinations that are easily transferable to your walls. The tip works especially well in case you are contemplating hues for teens.

Integrate texture for added appeal. When working with a single color scheme, some wall texture will provide warmth. By adding paintable wall coverings, bead board or glazing over the already painted surface, you will provide a three­dimensional appearance and subtle interest.

wall painting designThe selection of colors is essential. The use of colors as mood­ lifting design tools

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evokes drama, cheer, comfort, or calm. Color is a powerful wall painting tool. It can make the spacious room feel more intimate, or the tiny one feels larger, without the expense of moving walls. Even a den will feel cozy by painting walls with a warm color. A narrow space will feel wider by applying different colors on the opposing walls. The color of your furniture and accessories, as well as the paint colors you choose, all create a mood.

Don’t be afraid to express your creativity. The power of colors can alter your experience completely. Deciding on colors for your house can feel like a chore, but a wealth of paint companies provide paint collections and online tools that help create cohesive color palettes.

For many years colors have been excluded from our houses, but now we see a real love for them. It’s all about finding the right colors ­ the ones that make you feel good and transform your home into an expression of your style.

Handy Tips to Free Yourself From Home Loan EMI

As per a recent financial report, the number of home loan accounts in India stood at 14.2 million, as of December 2019. Owing to rapid digitisation and the emergence of several HFCs, housing credit has become significantly popular among aspiring homeowners in recent years.

  • Home loans account for nearly 50% of the credit portfolio of consumers in India
  • According to reports by RBI, the total outstanding balance in the home loan segment stood at Rs.13.3 lakh crore, as of February 2020.

Availing a housing loan provides considerable financial flexibility in acquiring a residential property, particularly due to the extensive repayment period. It allows borrowers to repay the credit amount with relative ease.

However, without proper planning, repayment can also overbear an individual’s finances. To that end, several prospective borrowers utilise a home loan EMI calculator. Apart from that, you can also employ other measures to attenuate the EMI burden. Nonetheless, first, it’s essential to understand the building blocks of home loan installments.

What is home loan EMI?

Repayment of a home loan occurs across a specific tenor in fixed monthly installments or EMIs. When you avail a housing credit facility, the lending institution computes this amount based on the principal, interest rate, and repayment tenor. Each of these factors, thus, plays a crucial role in the determination of the amount you need to pay as EMIs. Naturally, the measures you can adopt to ensure low home loan EMI also revolves around these factors.

What are the ways to reduce the housing loan EMI burden?

  • Opt for a longer tenor

The repayment period you choose is of heightened significance in regard to the EMI amount and overall cost of a loan. A prolonged tenor results in smaller EMIs. Conversely, the installment amount you need to pay goes up if you opt for a shorter tenor.

However, the cost of a loan, which primarily includes total interest payable, is less if the repayment period is short and vice versa.

Thus, it may be beneficial to ensure an EMI amount that allows you to maximize your financial benefits, whether it’s owing to smaller installments or less interest payable. You can use a house loan calculator to determine how much home loan EMI you can afford.

  • Choose a higher down payment amount

A financial institution provides a home loan based on the loan-to-value ratio, which is a percentage of the property’s value you are purchasing. As per RBI mandate, a borrower needs to pay such remaining amount as a down payment. While you can pay the minimum amount and avail the rest as a loan, you may also choose to make a higher down payment.

  1. 90% – The loan-to-value ratio for home loans below Rs.30 lakh

That way, you can reduce the principal amount. With a low loan quantum, the cost of a loan will go down. Resultantly, the EMI you need to pay will also be more moderate. It is one of the most effective ways to reduce home loan tenor and EMI. You may utilise a home loan EMI calculator to reckon the down payment amount such that EMIs are in line with your affordability.

  • Arrange for better terms on the existing loan

You can negotiate with your existing lending institution to lower the home loan interest rates. In case your credit score has improved since you availed the home loan initially, and possess a credible repayment history, the lender might revise the interest rates to reflect the same. This way, you can effectively reduce the installment amount on your housing loan.

  • Increase EMI amount

In case you are a salaried individual, chances may be that your income has incremented over time. You can, thus, utilize the additional income to repay your home loan faster by opting for higher EMIs. Higher EMIs reduce the tenor, which, in turn, lowers the cost of a loan. A home loan EMI calculator may be of benefit to you when deciding the installment amount.

  • Opt for a balance transfer

Reputed financial institutions provide the facility of a home loan balance transfer. Therein, you can refinance your existing loan with a different lender that’s levying a lower rate of interest. This way, you can attenuate the home loan burden by paying smaller installments.

However, merely lower interest rates do not suffice to ensure benefits from a home loan balance transfer. According to financial experts, if the new rate of interest is not lower by 0.5%, a home loan refinancing might not reap any monetary benefits. That’s because of the associated charges and costs of a balance transfer.

Moreover, a balance transfer is most fruitful financially in the initial stages. If the repayment period of your home loan ends within 5 years, a balance transfer may not give way to any financial advantage.

ReadUse Home Loan EMI Calculator & Manage Your Installments in Advance

Nevertheless, when applying for a home loan, you might want to research lenders extensively before applying in order to maximize your benefits.

  • Home loans grew year-on-year at a rate of 17%, as of February 2020.

Certain financial institutions provide pre-approved offers on loans to ascertain an expeditious and hassle-free process. These offers are available on an array of financial products, like a home loan, loan against property, etc. You may provide your name and mobile number to check your pre-approved offer.

Nonetheless, ensure that you prepare a thorough repayment plan before applying for a housing loan. To that end, you might utilize a home loan EMI calculator. Moreover, regulate home loan EMIs in tandem with your changing financial position during the course of repayment to ensure efficient management.

Is Hair Spa The Solution To Hair Loss?

When it comes to beauty, people pay more attention to their skin and purchase products such as lotions, creams, sunscreens, face powder, essential oils, etc. In contrast, when it comes to hair, people often limit themselves to shampoo and a conditioner. Hair is an integral part of the appearance of men and women. It protects the scalp from injury and UV radiations, eyes, ears, and nostrils from dust and particulate matter. The grooming and beautifying of natural hair have been in fashion from ancient times to modern days.

Healthy hair with a compact cuticle layer is naturally resistant to moisture. Coarse texture and loss of its shine and smoothness is a result of cuticle damage. Porous hair readily absorbs liquids and as a result, develops split ends. The damage caused to the cuticle degrades the hair quality, which gradually leads to the weakening of the hair.

Damage is usually more pronounced at the tips of the hair fibre as it represents age progression. The condition of the hair fibre should be considered before undergoing any treatment. For healthy hair, a hair spa treatment is one of the famous treatments to undergo. The benefits of a hair spa are never-ending such as:

  • Provides natural oil and improves the texture of the hair and nourishes the roots.
  • Normalize the secretion of oil on the scalp.
  • Strengthens hair follicles by removing impurities inside pores and promote natural hair growth.
  • Reduces stress and improve health.
  • Repairs damage and prevent further degradation of hair quality.

Just like the skin, everyone has a different hair type, and so are their problems. Various types of hair spa treatments are available in the market to tackle these problems. Frequently asked questions about the treatment is can hair spa cause hair fall? Hair fall can be a result of trauma, stress, lack of nourishment, and hair care.

Different types of hair spas have a different concern, for example:

  • To treat dandruff – It gets rid of dandruff by providing hydration and nourishment to the scalp.
  • For colored hair – It focuses on nourishing and repairing the hair as well as protecting the color
  • To tackle oily hair – It focuses on reducing excessive oil from the scalp.
  • To reduce hair fall – It focuses on increasing the blood circulation, making it the most loved treatment by men and women. Deep cleaning, nourishing, and strengthening of hair makes the hair spa treatment a great re-hydration therapy. Some of the steps involved are:
  • Shampooing – This removes oil, dirt, and dead cells from the scalp.
  • Masking the hair – It repairs and deeply conditions the hair making it strong and shiny.
  • Massaging – increases the flow of blood in the roots and also induces a relaxing effect.
  • Steam treatment – It allows the products to penetrate deep in the hair by opening up the follicles, improving scalp health and elasticity of the hair.
  • Blow-drying the hair post hair spa – With all the advantages the hair spa provides, it is incorrect to say that hair spa causes hair fall.

Grow Your Career in the BPO Sector

Business Process Outsourcing (BPO) is heralded to be one of the fastest-growing sectors.

Those days are long gone when people thought a graduation degree was more than enough to get a job. Some of the major reasons why most people don’t get a job right after college are due to a lack of confidence or poor communication skills.

Well, there’s nothing to fret about anymore. Landing a job in a BPO sector is good enough to start a career as a fresher. Also, one of the major reasons why most graduates turn to BPOs for their first jobs. Not to mention the salary compensation even as a fresher is quite good.

And why not, with a shortage of skilled labor and for companies to save costs, they have started outsourcing their businesses in different countries – the Philippines and Asian countries.

Two sectors – the Knowledge Process Outsourcing (KPO) and Business Process Outsourcing (BPO) have opened multiple job opportunities as well as given freshers and aspiring BPO professionals a great platform to get started in their career.

Getting into a BPO sector provides you multiple opportunities to work with international clients and at times with Fortune 500 companies likewise.

Though KPO is a segregated sector, it is a part of the BPO sector. However, the prerequires are different for both BPO and KPO aspiring professionals. For someone looking to get into the KPO sector will need to have a more refined skillset as well as the educational background.

Also, the roles and responsibilities in this area vary in nature and complexity.

The perks of working in the BPO sector:

  • Provides long-term career growth opportunities
  • Recent graduates get the opportunity to grow their career through professional advancement
  • Aspiring BPO professionals get the advantage of shifting their roles from executives to specialists within a few years-time
  • Continuous skill up-gradation – technical and soft skills
  • Wide arrays of training options for those in the company – certifications and internal job rotations
  • The best part is, professionals in the BPO sector have started promoting people from within the ranks for faster career growth

An additional advantage, the BPO sectors are now developing leadership skills using internal management programs. Doing so creates a pipeline for upcoming future leaders, and this happens by grooming the right talent from the existing workforce.

Below are some of the tips to make a successful career in the BPO sector:

  • You can always opt for BPO certifications, professional certifications play a crucial role. It shows the employer that you’re serious about your profession and you’re willing to do just anything to get stay job secured.
  • Being a team player is one of the skills an employer looks for while interviewing the candidate. Since individuals will need to work in large teams, he/she should be able to adapt to people.
  • Communication skills play a significant role in BPOs. You must be proficient with your communication skills.
  • You need to be proficient in handling a computer. Since you’re getting into a BPO sector, you might either get hired in any one of the categories – voice, non-voice, technical, or non-technical. And computer knowledge is a must-have.

How ready are you to get into the BPO sector?

Who Else Needs a Tuition-free University in Canada?

The number of cheap universities in Canada is increasing rapidly since most of them are being sponsored by the Canadian government. There are lots of opportunities for those who will come out with good grades from any of the institutions. One must be fully prepared in order to gain admission to Canadian universities. In time past, there are several international students whose dreams of studying in Canada have been cut short.

Studying in Canada is affordable for lots of international students compared to other countries whereby students pay a high sum of money before getting a quality education. These cheap universities in Canada are many, and for this reason, students have to select the right one that is going to favour them in their field of study. Therefore, proper planning is still essential in getting these Canadian universities by any student.

Before an international student will have to pay his or her tuition fee, it lies in their course of study acting as the determinant factor to them. For instance, the tuition fee for undergraduate students ranges from $7,303 to $49,800, while for those who want run to a postgraduate degree ranges from $3,222 to $42,850. If you have included this country as a place you will like to study for your tertiary education, then you have made the best decision in your educational path.

Cheap Universities in Canada

The following are cheap universities in Canada for international students, and here they are:

1. Dominican University:

This is one of the cheap universities in Canada located in Ottawa, Ontario. It is an independent institution that offers quality education to students in various fields of study. It will surprise you to know there are over 50-degree programs available for students, and this has shown the creativity and diversity of the university. Some of these faculties and departments available are Physical sciences, Biological Sciences, Arts, Engineering and physical sciences, etc.

2. University of Northern British Columbia:

The institution has created an indelible mark when it has to do with a first-class education. The education offers by the school have made lots of graduates acquired vast knowledge and experience in their specialized fields. It is a small school that is based on intensive research situated in Prince George, British Columbia. When it has to do with the tuition fees, it is affordable for international students to pay, and it is from $1,681 to $5,101. They offered both undergraduate and postgraduate courses.

3. The University of Calgary:

There is no way you are looking for cheap universities in Canada, and the University of Calgary won’t be part of it. This is a public tertiary institution located in Alberta, Canada. They are more concerned about getting students to make the right decisions in their career path right from their undergraduate courses. If you have the intention of getting a good education to make you great in your field, the institution can actually do that for you. They have two different degree programs such as course-based and research-based degree programs.

4. University of Regina:

This is one of the cheap universities in Canada located in Saskatchewan. Over the years, they have been recognized for issuing out internships to students who demand them. Apart from this, they are experts in giving out professional placements too. When it has to do with experiential learning in different fields, it is an ideal school to get it. Their tuition fee is as low as $13,034 for each year.

5. University of Prince Edward Island:

It is a public educational institute situated in Prince Edward Island. The good thing is there is a scholarship for both indigenous and international students. These various scholarships have made it possible for students to see their dreams of studying in Canada become reality. For those who are not part of their scholarship programs can pay a cheap tuition fee of $7,176 every year to obtain a quality education.

How to Take Care of 4c Hair

4C curly hair is identified as one of the most highly sought after hair types in the class 4 hair range. If you have curly hair, there are several tips that will help you maintain your curly hair for years to come. If you have curly hair but do not have the time or patience to take care of it, then you may want to consider using products that are specifically designed for curly hair.

Tightly Curl up Hair

4C curly hair is characterized by being very tightly curl up hair and can also be susceptible to breakage when not properly maintained. This type of sensationnel hair can be grouped in with the category 4A and the category 4B hair types, which feature a tight, fine hair curl. In most cases, this type of hair needs a specific type of shampoo that is suited for curly hair. These types of shampoo usually contain an anti-bacterial or astringent ingredient to control frizz and help to retain the curls.

Options to Choose From

When it comes to hair color, you may have many options to choose from. In some cases, this may require you to dye your hair to match the color of your face or your clothes. This may be a good idea for people who have straight hair but want to have a hair that is lighter than their natural hair color. On the other hand, if you have curly hair and want to dye it, there are two methods you can choose from, either coloring it black or brown and using a different product for your hair.

Hair Care Routine

Different people have different needs when it comes to their hair care routine. Some people may have their hair professionally styled and brushed every single day while others may only have it once or twice a week. Regardless of whether you are going to have your hair professionally styled or do it yourself, it is important to know how to take care of curly hair so that it maintains its original curl.

If you are concerned about the cost of taking care of your hair, there are certain products you can purchase to help protect your hair from damage. It is best to look into products that are made specifically for curly hair, as these products are more affordable and are better able to handle the natural growth of this type of hair. For example, there are products that contain keratin to help make your hair look softer, stronger and less brittle.

Use the Right Products

Taking care of your hair should never be overlooked, so it is important to get the proper products before you start to style it. There are plenty of products out there that have been specially designed for curly hair. In most cases, the products will provide a little added protection to your hair, but it will also protect your hair against any environmental factors such as wind and cold.

Benefits of Beautiful Hair

Dealing with your hair doesn’t need to be an errand. In fact, it can actually be a fun experience that allows you to do more than just take care of it. When you take the time to learn how to take care of your curly hair, you can enjoy taking care of it every single day. You will find that you are able to enjoy the benefits of having beautiful, soft, healthy, and frizz-free hair.

Final Words

Taking care of your hair does not have to be time consuming or costly. If you take the right steps before the problem takes place, then it can actually save you a lot of money in the long run. With the right products, you can have the best possible hair care experience.

Top Reasons To Get An Online Home Improvement Loan

Home Improvement Loan

Depending on one’s requirements and preferences, home renovation can involve significant expenses. While individuals often employ their savings for house remodeling or renovation, eroding the savings may not be a good option from the perspective of financial security.

Instead, raising funds via a home improvement loan can be a smart financial decision for homeowners. As these loans come with unrestricted end-use, the availed amount can be used for all renovation purposes.

From the elaboration given below, individuals can understand the primary reasons to obtain an online home reconstruction loan.

Home renovation loan – Meaning and reasons to avail

Typically, a home improvement loan is a customized personal loan that allows individuals to borrow an eligible amount, which can be repaid within a stipulated tenure. It is an unsecured loan as borrowers need not mortgage their property to obtain the credit.

Moreover, when applying for a home renovation loan, applicants must be careful about their eligibility. Usually, these eligibility measures can include age bracket, minimum monthly earning requirement, and excellent credit rating of not less than 750.

Further, once the eligibility requirements are fulfilled, a borrower can avail of the loan amount to fulfil the following home improvement needs –

  • Maintenance of the house
  • Repair to the interiors
  • Remodelling of a room, kitchen, bathroom or the entire house, as required
  • Painting of the house
  • Woodwork and flooring
  • Extended construction like patio

While these were the home renovation requirements that can be fulfilled with such a loan, these online advances also come with attractive features that make them a suitable funding option. Take a look.

Reasons to fund home improvement with a personal loan

  • Instant funding

Because of its collateral-free feature, individuals can save a lot of time when availing the advance, especially when applying online. Once you fulfil all eligibility requirements and apply online, lenders can disburse the loan amount within a short time.

Also, based on the lender and their eligibility, individuals can acquire a home improvement loan amounting up to Rs.25 lakh.

  • Flexible repayment tenure

Moreover, this financing facility enables individuals to repay the borrowed amount within a flexible tenure through EMIs. They can choose a repayment period of up to 60 months as per their affordability.

However, while choosing a tenure, borrowers need to be cautious about the instalment amount and avoid mistakes when they start a home renovation project. For convenience, individuals can use a loan EMI calculator that helps to decide the right principal amount and tenure that keep the instalments within their repayment capacity.

  • Competitive interest rates

Applicants can find various home improvement loan interest rates from different lenders. Thus, thorough research and extensive comparison are required to find the most affordable rate available.

Notably, customers with a strong credit profile can obtain competitive interest rates. For example, if a borrower possesses a credit rating of more than 750, he/she might be able to negotiate for an interest rate lower than what the lender usually provides.

  • Tax benefits

Typically, personal loans do not come with any tax deduction benefits. However, when this credit is availed for home renovation, borrowers can opt for a tax rebate of up to Rs.1.5 lakh under section 80C of the I-T Act 1961, within one financial year. Such tax benefits can cut down the overall cost for home improvement.

  • Simplified documentation

Another reason to avail of a home improvement loan online is its easy and simple documentation process. Borrowers are required to submit these following documents for loan application approval in no time.

  • KYC documents that can be Aadhaar, passport, voter ID, driving license, PAN, etc.
  • Employment ID.
  • Salary account statement.
  • Salary slips.

Nonetheless, on the basis of the lender selected, individuals can be asked to produce other documents as well.

Further, one can opt for lenders such as Bajaj Finserv that bring pre-approved offers. These offers can significantly reduce all the hassles of a loan application and approval with zero documentation for existing customers. Applicants can find these offers on several financial products like business loans and personal loans. You can look at your pre-approved offer only with your essential contact details.

As for these personal loans, it is vital to know about home improvement loan and its terms of lending before applying for the advance. After checking the personal loan fees and charges for home renovation, one can apply for the advance online and expect fast loan processing.

 

Planning the Perfect Toddler Birthday Party

Parties for toddlers are some of the most fun to plan, and mind-bogglingly busy to host parties that you can throw!  There are dozens of ways to celebrate a toddler’s birthday, from water parks to skating rinks- but here are the best ways to celebrate with a party!  No toddler can get bored at a party with all of this!

Activities

A quick way to entertain any toddler is to give them something fun to do!  Whether you hand out bubble wands or offer a cookie decoration station, you should provide kids with something to do with their hands.  This step will focus them while also letting them feel rewarded by completing something.

Bubbles are a great way to let them have fun without causing a huge mess to clean up.  This option can also be an excellent distraction for a kid who can’t handle the noise or diversion of the rest of the party.

Other activities toddlers might enjoy yard games, scavenger hunts, decorating birthday crowns, or even something as simple as burying treasure in a sandbox.  You can make an activity to match any party theme, don’t be afraid to get creative!

Snacks

Sugar and a gaggle of kids together can get overwhelming quickly.  Although serving carrot sticks at a toddler’s party might not go over well, there are other treats you can use to lead up to a sugary cake.

Consider treats that your kids enjoy or even treats that can be interactive.

Instead of plain pretzel sticks, you can buy a cheap kid’s fondue fountain for less than twenty dollars to let kids dip any snacks they want into cheese.  You can make healthy snack fun too with presentations and plenty of dipping options.

Fruits of all kinds, from watermelon to raspberries, are other great snacks even though their sugar content is higher than that of vegetables.

Live Entertainment

Party clowns aren’t gone forever, but there are tons of new acts that can wow and entertain children.  From trapeze artists to party mermaids, live performers aren’t just for parties for adults.  The other parents dropping off their kids will want to stay to watch the performers enjoy the show.

Don’t be too flashy; make sure that everything at the party is something your toddler will want.  This party is for your child’s birthday, after all!  You should make sure they know the day is about them.

Goody-Bags

Nothing leaves a better impression than to let the kids who attended the party leave with a bag of fun goodies.  You can buy premade bags already filled with things, but a better approach would be to custom-make the goody bags to something your child likes.  Have a budget, of course; it’s not like you need to buy every child a Nintendo switch- follow a theme.  If your son is head over heels for trains, include a mini toy train whistle!  Have fun with it.  A quick word to the wise, though, is that if you give away train whistles, wait until the kids are leaving to hand out goodie bags or have a headache in no time.