Thursday, 24 April 2014

Five things you should know before you choose a car loan

You are tired of your old Car and ready to upgrade to a newer, more reliable model. Before you apply for that Car loan, here are five things you should do to ensure that you secure the best possible loan by careful assessment of your auto loan financing options.
Often people are in a hurry while buying a car. The excitement to drive your new is no doubt exhilarating, but before you actually buy a car it is important to understand the terms and conditions of an auto loan.


1) Down payment: a leading public sector bank is offering 85 per cent of on road cost of a car. A lot of banks offer 100 per cent ex-showroom cost of the car. If you are a privileged customer of a bank, you may even get a 100 per cent on-road cost of the car. But at creditvidya.com, we always advice people to maximum down payment so that the dependency on loan is reduced. Also, it reduces the interest that you pay proportionately.
2) Interest rates: The current rate of interest on auto loan is around 10-10.5 per cent per annum. Many banks have fixed rate of interest through the loan tenure. It is always better to choose floating rate of interest so that if the interest rate goes down, you stand to benefit from it. It is anyways important to consider macroeconomic scenario before you for floating or fixed rate of interest.
3) Your Cibil Score: You really don’t need any surprises when you go for that car loan so it is imperative that you clear up old debts that could harm your car loan application. You should first get your Cibil report and review carefully, data at Cibil indicates that 90% of loan approved are for credit score of 700 plus in the year 2011. If you have no credit (no loans, credit card) it would be a good idea to establish some credit before applying for the loan.
4) Foreclosure charges: When you are taking an auto loan, consider the kind of foreclosure charges you may have to bear. Many public sector banks have banned foreclosure penalties.
5) EMI and loan tenure: Before you chose the car you want, see how much funds you have for down payment and how much loan you may need. Your EMI is dependent on your loan value and loan tenure. Try to keep your loan and tenure short. That way you will be paying much lesser interest.


Source: www.creditvidya.com 


Monday, 21 April 2014

Work Life Balance Takes Precedence Over Even Money

Work Life Balance is increasingly important to every employee

8 simple tips every employer can use to further work life balance – and Job Satisfaction – for every employee

The next generation of workers is willing to give up even substantial increases in pay for more flexibility and “balance” in their professional lives.
If they feel appreciated, if they’re part of a team that sticks together and enjoy even a little more flexibility over their hours and place of work then they’re likely to stay.  Previous generations – who you may very well also be employing – wanted development opportunities. And opportunities for advancement, security, certainty and a level playing field – all admirable goals for the work place.
But Generation Y and millennial workers will even accept less money – lower pay – in exchange for more control over how when and where they’re going to be.
Retaining the talent your company needs – today more than ever before – means changing your work more into a thing and less into a place.
These are eight strategies to bring up at your next HR retention meeting. Everyone of them will keep those younger and more restless employees happy, but they also work with older generations too. By 2020, you’ll be looking at 50% of your workforce being made up entirely of Generation y, so there’s no time to lose.

1. Make your Policies Clear

Policies on flextime, telecommuting and performance need to be clear and known far and wide.

2. Reward Performance

There’s no saying that every employee needs to start out as the free bird. Build increasing freedom into your policies and let the best people reap the rewards.

3. Infrastructure

If they need networks, the time is now to get them out the office. This can be the greatest expense for companies moving into the cloud, so now is the time to start planning for secure and always available cloud-based infrastructure.

4. Choice

Employees like to be able to say no. No guilt, and no worries make even die-hard desk jockies into true believers. Give them the chance.

5. Respect

Make sure employees know that you respect the decisions they make, and give them more choices where ever possible.

6. Communications

Balanced workplaces need to put more effort into that internal newsletter or blog. It’s not just about the bottom line. It’s also about people, and people’s lives, accomplishments and communities.

7. Get Personal

With all of the above in mind – your new workplace has room for a little breathing, a little more fun and some messy personal lives. Of course, employees still need privacy and respect, but there’s a lot to be said for personal achievement, and kids’ achievements and your local schools, softball teams and scouts.

8. Test, Review and Modify

As your infrastructure learns to grow and change and improve, it’s not going to grow more rigid.  There’s no reason you should let it. Take the time to learn to read the new numbers as they are coming in. You’ll see performance increases, but you’ll be identifying problem areas too. Change and improve.
That process will never cease, and there’s no reason it should. You’ll find that achieving balance is not only the most cost effective goal for your employees but for your entire organization too!

Four White Vegetables You Must Eat

The colour white epitomises goodness and vitality. In terms of food, it is often associated with healthy, low-fat items. Although most vegetables are generally considered to be must eats, white vegetables are a sure-fire way of addressing a multitude of health-related problems. The following four top the list of the most nutritious white veggies you should incorporate into your diet.
Cauliflower


It contains sulphur compounds that are associated with fighting cancer, strengthening bone tissue and maintaining healthy blood vessels.
Mushrooms


They are low in calories, and fat cholesterol and gluten free. Despite comprising a nominal amount of sodium, they carry a wealth of selenium, potassium, riboflavin, niacin and Vitamin D. Mushrooms are also filling on their own, so they can help you control your weight.
Garlic


It is considered as a great hair growth agent. It causes acne to disappear and keep cold and flu at bay. Its antioxidant properties can help boost your immune system.
Potatoes


The white potato provides as much fibre as and more potassium than other commonly consumed vegetables and fruits. A medium skin-on baked potato weighs in at just 163 calories, a whopping 941 milligrams of potassium and 3.6 grams of fibre. Potatoes also contain Vitamins C and B6, along with magnesium and a small amount of high-quality protein.  

Sunday, 20 April 2014

The Worst Body Language Mistakes Professionals Make

Your body language determines how people perceive you.  
Excellent nonverbal communication skills tell your audience that you're confident, energetic, engaged, and honest, says Tonya Reiman, author of "The Power of Body Language.”
Someone with poor nonverbal skills, however, may give off an impression of low self-esteem and a lack of interest, she says. “Is this 100% fair? Not necessarily. But it is how humans are programmed.”
When dealing with the business world, it’s especially important that you’re aware of your body language. Your nonverbal cues and gestures can make or break relationships, and may have a significant impact on your success.
Here are 11 common body language mistakes employees make:
Poor posture. How we feel affects how we stand. In order to be perceived as confident, you must stand tall, with your neck elongated, ears and shoulders aligned, chest slightly protruding, and legs slightly apart, distributing weight evenly, Reiman says. “This does several things. It changes the chemicals in our brain to make us feel stronger and more confident, and it gives the outward appearance of credibility, strength, and vitality.”
People often slump their shoulders either due to bad backs, fatigue, lack of confidence, or general disregard. “This will give others the impression of insecurity, laziness, and a general sense of unhappiness.”
Not being in sync. When we like someone, we naturally match and mirror their voice, tone, tempo, body posture, and movements, says Patti Wood, a body language expert and author of “SNAP: Making the Most of First Impressions Body Language and Charisma.” “If you were to watch the conversation on a video, it might look like you’re dancing with the other person. If you don’t ‘dance’ with your teammates it can make you look you're not interested in what they are saying, you are not a good team player, or, in the extreme cases, that you are lying.” 
Fidgeting and “big” hand movements. In business, small gestures tend to demonstrate the biggest points. “It is rare to see the alpha of the group wildly flailing about,” Reiman says. “Powerful business people tend to use smaller, more subtle hand gestures to demonstrate their point with authority.”
However, so many people in the workplace today make big hand gestures or fidget with their hands, phone, or hair. “This demonstrates weakness and a lack of confidence.”
Giving no physical feedback or facial expression. A big mistake a lot of employees make that can be detrimental to their success: They show no empathy or interest in what their colleagues are saying. “We often express interest through raised eyebrows, smiles, head nods, vocal utterances (like ‘ uh-huh ’ ), and leaning forward,” Wood says. “If you don’t give feedback physically, people think you don’t care, that you’re stuck up, and host of other negative attributes.”
No eye contact. "Cultural respective eye contact is one of the main components of nonverbal communication," Reiman explains.  The ability to gaze at another while speaking denotes authority, confidence, and presence. “Studies suggest that holding eye contact while speaking has an enormous impact on your ability to persuade. Lack of eye contact often implies deception,” she says. When breaking eye contact, it is better to break off to the left or to the right, as looking down suggests insecurity.
Bad handshake. Ideally, your handshake should be firm, but not overbearing. “The secret to a great handshake is palm-to-palm contact,” Wood says. You want to slide your hand down into the web of theirs, and make palm-to-palm contact. Lock thumbs, and apply an equal amount of pressure.  
Mismatching verbal and nonverbal messages. Making facial expressions that appear to show the opposite emotional reaction to what you are saying is another common mistake, Wood says. For example: You say, “that sounds great” in a monotone voice, while you cross your arms and roll your eyes. “I believe this is the worst mistake any communicator can make,” she says. “Some people do it as a passive aggressive way of getting their message across.”
Failing to smile. “The smile is accompanied by increased activity in the left pre-frontal cortex — the seat of positive emotions,” Reiman says. Smiling demonstrates confidence, openness, warmth, and energy. It also sets off the mirror neurons in your listener instructing them to smile back, she says. Without the smile, an individual is often seen as grim or aloof. 
“Of course, worse than the ‘non-smiler’ is the ‘permagrinner,’ who smiles too often and is perceived as insincere and misleading,” Reiman  adds.
Eye rolling. Eye rolling is a sign of contempt, frustration, exasperation, and aggression,  Reiman says. "While for some it's a habit, it is a completely conscious act that can be avoided with self-awareness." Eye rolling signals to your listener that you don’t appreciate or respect them or what they are saying. "This is such a strong signal that researchers have proven that rolling your eyes after a spouse has spoken is a strong predictor of divorce," she says.
Keeping a cell phone out. Employees sometimes place their cell phone between themselves and the person they’re speaking to. “It says, symbolically, that this object is more important than they are, and that the phone is what you’d prefer to interact with.”
Crossing their arms defensively . Look around in a meeting and you’ll likely notice a few colleagues crossing their arms. “You should always keep your hands in view when you are talking,” Wood explains. “When a listener can’t see your hands, they wonder what you are hiding.” To look honest and credible, show your hands.

Source: https://in.finance.yahoo.com/news/11-worst-body-language-mistakes-163000515.html 


Recipe - DAHI KI TIKKI

DAHI KI TIKKI


Ingredients:

For shallow frying    Oil


1 teaspoon        Mustard seeds

1 teaspoon        Jeera seeds

1 nos. (large)    Onion (finely chopped)

8-10                   Fresh Curry leaves  (shredded)

2 nos. (medium)    Tomatoes (finely chopped)

1 teaspoon        Turmeric powder

1 teaspoon        Coriander powder

1 tablespoon    Sugar

To taste        Salt

400 gm        Hung Yoghurt

½ cup            Semolina (Suji)


Method:

1. Heat 1 tablespoon oil in a saucepan over medium flame, add mustard seeds and jeera. When they crackle, add onion and curry leaves. Saute till onion turns golden brown.

2. Mix in tomatoes, turmeric powder and coriander powder and cook till mashed. Add sugar and salt, and cook till sugar dissolves. Remove from flame and cool to room temperature.

3. Add the hung yoghurt to the sautéed mixture and mix gently but thoroughly. Divide the mixture into small portions and shape into patties.

4. Spread semolina in a plate and roll the shaped patties to evenly coat with semolina.
5. Heat oil in a frying pan over medium flame, add the patties to the pan and shallow fry till golden. Gently remove and drain on absorbent paper. Serve hot with spicy green cilantro mint chutney.

Source: https://in.lifestyle.yahoo.com/blogs/vikas-at-home/vikas-home--dahi-ki-tikki-124706968.html?vp=1 

Wednesday, 16 April 2014

5 Ways to Give Your Brain a Break Right Now

To give your brain a break, take a quick walk outside.
The eight-hour workday became the norm when the Ford Motor Company found that number resulted in maximum productivity at its factories, explains Jeff Stibel, an author and the CEO of Dun & Bradstreet Credibility Corp., in a recent LinkedIn post. But, the problem is, the human brain is not meant to focus on the same task for hours at a time.
“The idea of an eight-hour day with a short lunch break is based on the most effective formula for physical labor, not mental work and certainly not creative mental work,” Stibel says. “Evidence shows that the brain cycles from highest attention to lowest attention approximately every 90 minutes. This suggests that you should hit the reset button about that often.”
This is precisely why “hip” Silicon Valley tech companies started the growing trend of offering unique perks that encourage employees to step away from their desks.
“One of the best ways to recharge is to engage in something different," he says. "If you’ve been reviewing a document for 90 minutes, don’t take a break by reading news articles. Get up and do something completely different.”  
Here are three ways to give your brain a break during your workday:

Be physically active. Exercise is good for our brains. That’s why company-sponsored yoga classes and in-office gyms are becoming increasingly common, Stibel says. “If you can’t get in a full workout, don’t fret: stretching for five minutes or even using a standing desk makes small changes that can spur creativity and recharge your batteries.”

Do something you love. Playing office games, going window-shopping, or meeting with a friend for coffee are great ways to give your brain a break from work. “Take advantage of what’s [in] or near your office,” Stibel says. “Being fully engaged in an activity lifts the mood and contributes to feelings of overall well-being.”

Get in touch with nature. “Being outside activates different brain regions than sitting inside, as most of us do for the majority of our workday,” he says. Easy ways to incorporate nature into your workday include taking a walk in a nearby park or regularly having lunch outside.
“Brain breaks can make a big difference in your ability to be productive, creative, and innovative. The paradox is that doing less often allows you to do more,” Stibel concludes.

Nap. I’ll admit that this is the hardest to do in a typical office environment, but if you can find a way, the benefits are huge. Some offices actually have sleeping pods, but for those that don’t, slip out into your car for a power nap. Much of what happens in the brain while we sleep is still unknown, but what is certain is that people perform better in terms of memory and concentration after a nap.

Do nothing. If a snooze isn’t possible, then simply sit in a quiet place and allow yourself to relax for ten minutes. Just as when sleeping, important mental processes occur when we daydream.
Brain breaks can make a big difference in your ability to be productive, creative, and innovative. The paradox is that doing less often allows you to do more.
What do you do to give your brain a break, and how does your company help you do it?
See the full LinkedIn post here.

Work-from-Home Jobs You'll Love!

Are you frustrated in your dead-end job? You’ve been working for several years and your career still hasn’t taken off. Plus, there’s so much more you were meant to do in life other than sit all day in a dreary office with a crabby boss and trying colleagues. We say quit your job and start your own business in 2012.

Here’s your chance to be your own boss with these five hot jobs you can try from home!

Foodie alert
If you’re a die-hard foodie just waiting for an excuse to pig out, this is the opportunity of a life time. In India, you don’t hear of too many food connoisseurs or critics for that matter, but nonetheless there’s definitely a need for them, what with all the gourmet food chains opening across the country!

What the job involves
1. Food tasting. Lots of food tasting.
2. You will have to work closely with chefs, make recommendations for restaurant menus, suggest new ingredients and more.
3. Get in touch with upcoming gourmet stores and work as a food consultant with them. You’ll have to identify gaps in their product lines as well as conduct workshops for their customers.
4. And here’s the part you’ll love the most. Travel around the country to follow food trends. As your business grows, you can go abroad too. Start a food blog and write about different cuisines. 

Hands-on
Give up your monotonous job and let your creativity run wild. Scrapbooking might sound like a school craft project but with people looking for personalised gifts rather than run-of-the-mill items, your business is bound to grow.

 What the job involves
1. Creativity, lots of unique ideas and a large enough workspace.
2. You will have to create scrapbooks, wall collages and more for customers to preserve their memories.
3. You will need good PR. Start by giving these as gifts to your close friends and family and let them spread the word. You could keep a few samples with you to show potential customers.
4. Start an online store on a site like etsy.com and sell your creative masterpieces to people across the globe. You can take online orders too.

Get a head’s up!
There are always rumours of recession but companies are continuing to hire people. Trust us, the attrition rate is only going to increase here on. That’s where head-hunters like you come in.

What the job involves
1. Good communication skills to interact with potential employers and persuasive skills to convince potential candidates.
2. If your old job required you to meet lots of new people and network on a day-to-day basis, then your little black book must be full of numbers. That’s exactly what you need – contacts. From CEOs to mid-level executives and managers to freshers, they’ll all come handy!
3. You will need to keep yourself updated about the market trends and start-up companies that are looking to hire. Stay in touch with their HR departments and look for candidates to fill their vacancies.

Baby Momma
Today, working moms are almost as common as mobile phones. And not all of them have parents or in-laws to look after their little ones. Why not start a crèche or a playschool? Not only is it fun teaching kids but it also means big money.

What the job involves
1. No matter how good you are with kids it would be helpful to do a Montessori course or some kind of early childhood training. Mothers would want to know that you are qualified to handle their child.
2. You need to baby proof your home. You will be responsible for the kids after all.
3. You will have to put in quite a few working hours. Most working moms would want to leave their kids with you from about 9 am to 7 pm. However, since you are working out of home, you could use some of the time to catch up on a good book.  

Order! Order!
These days, people lead extremely stressful lives. Your job as a professional organiser is to help them organise their lives. This career hasn’t really caught on in India but there are a few companies like BigHelp who do this kind of work.

What the job involves
1. Your clients are always on the go. Of course, they will have personal assistants of their own but not all of them will have people to do their personal work – order flowers for their wives’ birthdays, remind them to pay their insurance premium etc. That’s when you come in.
2. Not everyone can afford to pay someone to play their reminder service. So contact CEOs and businessmen who could use your rather elitist services!
3. You will need to be highly organised. One slip up could cost you your entire business.

So there you have it. Pick a job that suits you and you’ll be running a roaring business in no time!


8 Lesser-Known Built-in Android Features That Can Help You Make The Most Of Your Smartphone


Android users install a plethora of apps to enrich their smartphone experience, but what many miss on are built-in Android features that can make it even more fulfilling.
These eight features come pre-loaded on Android phones running Jelly Bean and above and not all of them may be available on older versions.

1. Android device manager: Losing your phone is one of the biggest fears in today's always-connected world. While we wish that you never lose your phone, but Android Device manager will keep you ready for any such eventuality. You can locate your device if your phone is stolen or lost and even remotely wipe the data if necessary.
Go to Google Settings > Android Device Manager > Allow remote lock and erase. Check it

2. Show owner info on lock screen: This simple but effective feature can actually increase your chances of recovering your missing phone. The "show owner info on lock screen" asks you to enter information which is then displayed on the lock screen. It is recommended to either enter your email address or an alternate phone number. This could be a great help in our password- or pin- or pattern-protected phones. With this feature active, if someone finds your lost phone, the person knows whom to contact to return the phone.
Go to Setting > Security > Owner info to use this feature.

3. View your old notifications: On a busy day, you may not have the time to view all notifications as they come in, and therefore, to get rid of all that clutter in the notifications bar on top of the screen, you prefer to make a single swipe - and all notifications are gone. But what if at the end of the day, with a little time at hand, you want to take a look at what all you were notified for during the day? Here is a way. A built-in Android feature lets you view all the past notifications in a single window even after they have been removed from the notifications bar.
To make use of it, go to your Android apps listing screen and tap the widgets tab. Look for Setting shortcut in "Widgets". Once found, tap, hold and drag it to your home screen, and select Notifications. Now you can see an icon with the name "Notifications". Tap it to view your past notifications with a time stamp next to each one of them.

4. Add contact widget to homescreen: There are few contacts in our phonebook that we frequently make calls, send messages or mails to. Isn't it better to place those numbers right on the home screen instead of going to your call logs, phonebook or other apps to communicate with them? A contact widget is added to your home screen from where you can contact that person by calling, messaging, emailing or WhatsApping.
Go to your contacts, select any number and place it on the home screen.

5. Tap and hold the full stop button to go to punctuation marks: Instead of switching to another keyboard layout for punctuation and other characters, when typing, you can simply tap and hold the full-stop button to use the commonly used punctuation marks and other characters, including hyphen, colon, exclamation and apostrophe. As you tap and hold full-stop, a small window with the commonly-used characters pops out.

6. Settings shortcut: If there are particular settings that you check out or visit the most, it's better to have their shortcuts right on your homescreen. Your Android phone lets you create shortcuts for different Android settings including Apps, battery, Bluetooth, Data Usage, Display and WiFi.
You need to follow the same process as described in the second point.

7. Speak to take photo and video: Your Android phone also lets you capture a photo or record a video simply by giving some voice commands. Activate the mike in the Search app for Android and say "Take a photo" or "Take a video" to launch the camera app. This saves you the effort of going to the camera app and switch modes.

8. Power button to end calls: If you think swiping is a hassle to disconnect a call, here is another way for you. You can press the power button to end calls. To use this feature, go to Settings > Accessibility > Power button ends call.