Shopping, Gifting & Fun this Season : Happy Holidays

by ExpertBlogger 6. December 2017 16:24

Holiday’s such as nice word to hear, when you hear about holidays then you feel so relaxed and you would like to cheer and enjoy every moment of this, we can meet to friends and family. Share good bad in the year and finally welcome brand new year for new beginning

In the holiday seasons along with fun there is another important thing everyone does is shopping , yes tones and tones of shopping which start with thanks giving holidays and ends with I mean it does not really end but kind of stop at new year’s. I personally visit many store during this festival season and this article about to share my experiences. not to mention all the store and online shop they start their holiday preparation well ahead of time right from hiring new extra employees, ordering all the goods and making sure that infrastructure will run and have enough backup plans because they cannot afford to have anything stop for even for hour, the impact that can have on their sales will be huge.

Now talking about shopping there are many thinks which surprise me, I mean the amount of discount they offer while this period is insane. Something I think if they can afford to sell any item at that price then what about the people who bought that same item in other time of year at the high price are those are fools. On the other hand some good and articles has almost same price as year around but people just think that this is holiday time and all things are on sale so this is cheap and they tends to buy everything they can. Every time person goes in the store to buy one thing and end up purchasing other items just because it holiday season, also this season is gifting season keeping that in mind all stores designs their product in terms of gifting solutions. And advertise them so hard that they kind of divert one’s mind to go and buy the goods if someone has not thought of buying. 

Sometime it just amaze me the enthusiasm of people about shopping in heavy winter , standing in those long lines , for some people it’s fun for some people its thrill and some its experience which they want to enjoy. Every online website is filled with deals and promotion and that what make people eyes to want it. Overall I think alone in this 2 months people must be spending almost double amount they spend in entire year.

So If you are shopping be smart rather than wasting your time from store to store and use technology , look out for your finance and  make your holiday shopping experience better than before.

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Expert's View | Finance

Knowledge is power then college degree is essential

by ExpertBlogger 2. November 2017 14:28

Knowledge is power and so is the degree behind that knowledge. A degree from a good institute plays a pivotal role in one’s career. A good institute not only is responsible for shaping the future of its students but also ensures that each student succeed in their respective lives. A degree from a university leads to better prospects of employment which in turn gives way to the economic growth and more civilized societies. Choosing a good college or university is a herculean task in itself. There are several factors to be kept in mind before one could enroll in a university.

Some of the things one should consider before opting for a college are:

a. A proper research should be done for a college in the field where one aspires to get a degree. Gather facts and figures about different colleges and short list a few of them.

b. Browse through these short-listed colleges and get more details about them by going through their websites. If required do inquires with the university support staff and take relevant information.

c. The college campuses are the most important factor for a student to go for any college. The campus comprises library, laboratories, sports facilities, accommodation etc. Another factor is the types of courses offered by the college and that they suit a candidate’s preferences.

d. Admission fee is the next most important factor to go for a college. Some premier colleges offer good scholarships to the students based on the merit. For others the banks provide the educational loan to the students.

e. Annual fee should be taken into consideration by the candidate as it will decide the next course of action for gathering the funds for the admission. The family income bracket in which an individual falls in, shall decide the state or federal grant/loan given to a candidate for college degree.

f. Another important factor to be measured is the graduation rate of a college. This means the difference of the number of students enrolled in a particular year and the number of students from them pass out with a degree should be minimum. More the graduates from a particular university or a college in a year, higher will be the graduation rate and this ensures that the college is worth a go. Usually the accredited universities should be short listed those which are recognized by the state and provide superior education.

g. The ultimate aim of a college degree is to get a better job opportunity and hence a higher income. While deciding for a college the placement ratio post the graduation should be considered too. In case of the federal loans availed for attaining the university degree post college income matters the most in order to repay the debts.

h. Admission rate is also a parameter that decides a candidate’s entry into that college or university. Admission rate refers to the number of applicants that are admitted in that college or university. The college with stringent criteria poses more competition before the candidates and hence results in the intake of crème-de-la-crème lot.

The admission criteria of almost all colleges includes a minimum score of GPA , a cut-off score of the entrance test and some more requirements to be met that varies from institute to institute and also courses taken , depending upon an institutes's acceptance rate.

i. Student to teacher ratio is one crucial determinant for a college to be called as a good college. Bigger class sizes lead to divided attention of the teacher among larger group of students. Smaller class size ensures more focused teacher student interaction and bonding.

j. The practical implementation of the theory that is taught in a college is most important for a student. The intern ships offered by a university or a college is a good start of a successful career. Secondly the hands-on and practical sessions conducted by the institutes empower the students with real time situations how to face them better.

k. Lastly , the career defining counselling provided by the institute in order to guide the students about the plethora of opportunities that lay before them in the outside world.

The selection process of a college to attain a graduation degree is instrumental in a person’s career and financial growth.

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Expert's View | Media | News | Reviews

Finding Best Mortgage, It's an art !!!

by ExpertBlogger 7. October 2017 16:18

Getting a home is a dream of every living organism on the earth, be it an animal, a bird or a human being. This is a dream for a common man to buy a house for himself/herself and the family in today’s times when the rates of the property and the interests on the home loans are sky hiking. To get the best deal from the floating deals in the market is a big task for a property investor and to end up with a profitable deal that can ensure minimum interest rate. 

There are many pre requisites of striking a good deal in the home buying and selling market. The most important of which is the mortgage option that should be calculated appropriately before opting for it. Apart from this a good credit score, a reserved amount for the down payment and a good lender.

Let’s discuss some point which can be borne in mind before taking a step forward towards the dream property:

A small down payment can suffice for buying the property, unlike the popular notion of paying 20% of the cost to the builder/owner which lenders mostly tell the buyers. For e.g. as part of rural development the US government zero-down mortgages in order to uplift the poor.

The buyers who do not have a perfect credit score for buying the house can opt for government insured lending schemes.

The lender’s job is to calculate the minimum reserve needed to qualify for a mortgage. A lender’s duty is to ensure that in order to make a down payment the buyer’s savings should not exhaust and there should remain some reserve for the times to come and contingency needs.

If the credit score falls less than the 20 percent down payment amount then the buyer is asked to go for the mortgage insurance that may lead to higher payments for the property.

The mortgage insurance is an overhead till the loan is paid. However to get rid of it one can refinance the load if he/she wants under certain special circumstances.

During the mortgage the debtor will be asked by the lender to pay all the closing costs of the mortgage which will ensure into the low rate of interest, however in doing so the credit score of the debtor will go down and hence leading to the mortgage insurance. One should be careful in opting for all the options at the time of mortgage.

To get a good mortgage deal the buyer/debtor should keep a low profile while the mortgage is being processed , being said that , all the credit cards / spending trends etc. should not be made or made only if absolutely necessary. During the lenders survey the spending activities of the buyer if surfaces, then the possibility of the mortgage to be nullified or get cancelled is higher.

Another most important factor that people ignore is availing the veteran loan. Serving the nation or retired nationals both can avail the benefits on the mortgage under Veteran scheme.

A good mortgage broker can give you a plethora of options to buy the best loan without being biased of his/her products. Go for a licensed mortgage broker, that can give you access to the maximum options in least time interval.

In order to get a good credit score, one should start clearing his debts or any outstanding money to be paid before going for the mortgage. The ideal credit score of 700 credits gives a buyer an upper hand in buying a good loan. 

With good credit score one should also focus on a fairly good cash reserve. A good cash reserve is measured in terms of the number of months one can make the house payment in cash. This will help in positioning the buyer in a better place to get the best deal on the mortgage.

Never go for a mortgage without comparing it with other deals in the market.

Lastly, try to figure out as for how long you’ll be in the house that you plan to buy. If in the long run one decides to sell it off then mortgage rates can be adjusted. The adjustable rate mortgages offer low interest rates and also low initial down payments. However, when the interest rates will start to leap, these ARM’s would create a problem to the buyer with increase costs on the loan.

One must be judicious in going for the perfect mortgage scheme based on his/her requirements and long and short term benefits, always look at your need and keep in mind demand and supply structure for your targeted areas.

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Expert's View | Finance

Kid's Entertainment or Entertaining Kids

by ExpertBlogger 14. July 2017 17:46

Kids are always fascinates me in all aspect, I have a little daughter and I have seen her growing up , like any other kids she is TV freak, she always wanted to watch TV and specially the cartoon series and image you don’t let her see the movie or program then you know what is going to happen next., it make me always curious is does these kids always want to watch animated series or do they like any other kind of program which we have not given them chance to see , so I started doing some experiment with my daughter and started to show her non animated program, some of them about the animals some were about different topic but not animated characters ,those were real characters , real people or real animated and what I found it she actually like that too, kids are like melting wax you can shape them anyway you want, We are the one who introduce them to TV and this is we who have made them addictive to seat in front of TV for long time and eventually fed them with ton of animated programs . 

I think the major reason of attaching comic character to kids is they do crazy thing which in real time we can only think, they connect with kids with the things kids want to but have you thought that if we could able to do same thing while playing or while talking to them that they want to do then they will be less interesting with TV or any other entertainment media. Again it was always question for me when I try to play with  kids is what to play I mean they always wanted to something different then how can you find out game which can play inside house with 2 people and without any instrument. Every day I use to scratch my head and come up with some or other silly game just to get her always from the TV. Sometime I use to pass sometime fail sometime I could able to dazzle them with my idea and sometime idea was just a trash or trashed by kids but most of time it use to work . 

I remember some silly games like stacking up glasses on top of one another and then throwing plastic ball on the stack and whoever get most of glasses down win or another one is pirate game where I use to put her inside the laundry bucket and tie to bucket with some rope and just pull her pretend that I am pirate pulling the boat and everywhere is water and she ca not step out , we go ahead and then find for treasures and other things we enter into dark room, we have created storms and such little silly thing , use pipe for telescope or just use bath towel for hat but kids just loves these silly thing and enjoy.

I have observed from all these experiment that kids really are not looked into Tele vison, they can play with you if you are ready to spare some time with them, and they can come give up their shows for you. Just remember you have very little time before they grow up and then they will not have any time for you so please use your time for them and before switching on TV just ask simple question with loud voice and then you can see the difference “Who want to play with me??” 

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Expert's View | Television

Does Internet is Winning Race against Television and Radio?

by ExpertBlogger 24. June 2017 11:01

In the year 2005 when popular video hosting site was launched by three ex-employees of PayPal little did they know that their concept would revolutionized the world of entertainment and will make them the millionaires by the millennials. The concept of video sharing over the internet has not only changed the face of media but has created a boom in many businesses. You Tube is one such medium that has taken the viewers with a storm and sending a strong blow to the television industry. The television is unable to come at par with such internet discoveries. The free of cost nature of internet makes it so accessible and preferable by the viewers. The loads of long forgotten videos and clippings just get so easy to access, whereas the absence of time capsule in a television makes it less popular. There are enough evidences that reveal the fact that video streaming is the Gen Z thing and is enjoyed by them more than the static entertainment medium like television. They can watch anything under the sun over the internet at any time and any place they want. Anyone can share the videos which they have and in this way internet gets richer in its content.

The CDs have lost their sheen ever since videos on internet has plunge into the market. Like the television many video hosting websites also has channels for the artists and performers from any field and they can upload their videos and become famous as well as earn as much money as a budding entrepreneur can. There are channels for cookery, make – up artistry, standup comedy, arts and design etc. on internet. The channel owners are the common people from amongst ourselves who exhibit their talents on this free medium and get numerous fans who subscribe to their You Tube channel and hence increasing the viewership. You Tube also help in running the small businesses of the up-and-coming entrepreneurs by giving them the compensation for as many subscribers they could have for their channel. The study on You Tube’s popularity revealed that the viewers of You Tube channels find the content that is published on it as more authentic and they could relate to it more easily as compare to the content that is telecasted over the television.

Internet videos are the most accessible application and most popular one in the smartphones. It is a personalized television where the viewer has full autonomy to decide what to watch and when to watch. You Tube can be watched from any device including smart TV., smart phones, I pad etc. The speed of streaming and the quality of videos that are uploaded on You Tube are the two areas where an improvement is needed in order to transform it into new age television. Alone YouTube attracts tons of viewers and billions of videos are pulled daily by the internet users. You Tube has successfully enchanted the Millennials as the content it offers is far wider in scope and varied than compare to a television.

Internet videos and other digital media has risen in popularity because of the advent of the much handy devices that can be developed on a chip. With all the technological advancements that lead to the fading of traditional methods of entertainment, TV still holds 70 % of viewership because of the high budgets and bigger canvas on which it plays and also because of its mass pervasiveness. However TV is just not about anything whereas You Tube is all about anything which we want to see anywhere.

Video streaming has also diversified into advertising world. It plays the ad just before a video clip and may be between the clips, however the good thing is viewer has the full control to skip the ad while it is playing whereas television does not authorize a viewer with this. The feature which is remarkably distinguishing is the ‘share‘, you can share the content you are watching with anyone be it on WhatsApp, Facebook or Twitter. The war of television and Internet video streaming will be won by the potential contender which can create such engaging channels that could cling onto the minds of the audience and are more relatable. The way digital media is diversifying both Television and YouTube would re vamp their look and accessibility and will reach the widest audience. 

Considering all this above do you think that Internet is winning race against Television? 

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Expert's View | Radio | Television