Major tremor felt in Delhi, NCR

New Delhi: A major tremor was felt in Delhi and the national capital region on Monday.

According to reports, the quake measuring 4.9 on the Richter Scale jolted around 1.10pm.

Earthquake in Delhi, no casualties
The epicenter of the earthquake is said to be close to Bahadurgarh, Haryana.

However, it caused no damages.

Earthquake in Delhi, no casualties
The aftershocks of the tremors were also felt in states like Punjab, Haryana, Rajasthan and UP.

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Refinancing Concept for Used Car Loan

When interest rates begin to drop, people often consider refinancing their mortgages. Very few people realize, however, that used car loan can also be refinanced. Refinancing for used car loan india is much easier than refinancing a mortgage, and in many cases, it can save you just as much money. Lets’ see how!

For instance, there will be no inspections, no appraisals and no waiting around for answers. In most cases, taking 10 minutes to fill out an online application is the extent of your work. If you believe that your credit score has been improved since buying your vehicle, you can probably qualify for a lower car loan interest rate now and save the money. If you feel like you didn’t get the best possible rate from your current lender, you probably have been paying too much. You could also choose and get benefit from refinancing option

When contemplating used car refinancing, don’t just think about how much lower your equated monthly installment (emi) payment will be, consider other things as well. It’s never too early to look into used car refinance option. There is no minimum waiting period to refinance auto loans. So, even if you have just recently purchased your vehicle, you could still benefit from refinancing at a lower interest rate (whatever is applicable).

Through this you can increase your loan tenure, lower your car loan emi and manage your debts in a better way. Put simply, the amount borrowed with your refinanced used car loan is used to pay off the original loan, typically at a lower interest so you can pay less towards this loan every month. Keep in mind that the amount you can borrow with a refinance used car loan is determined by your current loan's balance due and your car's current market value.

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Present Value Calculator and the Collateral

By this time, there is a way to secure the personal loan. Usually, there is no collateral is required for the personal finance scheme, but you can make your loan secured by providing a collateral to stay stress free. This can be very good approach, but, things can be changed if the value of the collateral has gone less.

Every time here is a valuation process goes on conducted by the bank. And, it might be possible that the market value of the offered collateral has gone down. In such case, there would be a risk in doing full loan recovery. If this situation comes across, then, the lender or the bank will ask you to submit the collateral of the loan amount that you owe to the bank.

Bank may ask you to submit the additional security against the borrowed financial help or collateral of the equal value. In this case, you should keep this in mind that you should not fail. Otherwise bank would be having full right to sale off the submitted collateral for the recovery of loan. Afterwards either it may ask you to pay the left amount or it will declare you as a defaulter.

In order to avoid such kind of situation, you should be taking few of the steps of your own. In this regard, the personal value calculator will help you out. It is another online calculator, which can be accessed easily and tells you the present value of your collateral as per the prevailing rates of market.

This personal loan calculator can be accessed easily and numerous times. This calculator will help- you in estimating the exact value of your collateral that can be anything considered as your asset. This calculator can certainly ease out your tension and do all those lengthy calculations with just one click.

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Features of SBI Social Credit Card

State bank of india (sbi) needs no introduction paragraph as we already know what is sbi? What it does and what products it provides? The exclusive range of sbi credit card is already considered to be the most convenient enough, so everyone wants to avail one for them. 

Here we are discussing sbi social credit card, which is another highly appreciated card of the range due to its exclusive features and offers. Following are the credit card features of this card are detailed:
    

Worldwide acceptance: This credit card of sbi is accepted all across the world and can be used in over 29 million outlets across the globe.
    

0% Fuel Surcharge: With this feature, you can avail a unique benefit and convenience of a fuel surcharge waiver. All you have to do is to just simply use your sbi card to buy petrol, diesel and lubricants at all petrol pumps outlets and you need not pay any fuel surcharge.
   

 Cash on the go: As a sbi social cardholder, you can withdraw cash from over 1.2 million VISA ATMs across the globe, including 18,000 ATMs in India. In Addition to this, you get access to over 10,000 SBI ATMs across 100 plus cities in India.  
    

Utility Bill Payment Facility: With the Easy Bill Pay facility from SBI Social Card you can be rest assured you will never ever forget paying your utility bills on time. All your utility bills like electricity, insurance, telephone will get paid before the due date with this facility from SBI Social Card. This service comes to you absolutely free.  
   

 Balance transfer: You can now enjoy high savings with our low interest rate. Just transfer the balances from any of your other Credit Card India to your SBI Social Card and enjoy Balance Transfer Plans as suited to your financial needs & avail of a low-rate of interest. Processing Fee would be charged as applicable.

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Credit Card Application form

If we take credit card into consideration, then it meant more to us than just being the convenient mode of payment. It is more like to maintain a balance between the expense and savings. With the help of a credit card, you can enjoy the liquidity of funds.

You can pay your utility bills, buy things that come under your credit limit and pay back for it conveniently and so many other benefits are there to count on. Not only this, you can avail specific privileges and other benefits because of your credit card. 

In order to avail credit card india, you just have to fill an online application form that can be found on the official website of the respective bank or credit card company. All you have to do is to fill all the required details asked in the credit card application form, and hit the apply button.

With the help of this online credit card application, you don’t have to go anywhere and you can easily apply for the particular card. This form can be availed through offline modes as well, but this would mean to visit the branch of the respective bank or the credit card company.

In this way, your application will be processed faster and you might get the better offers in the online application process. You can confirm all the details online as each detail will be find on the website of the respective financial institution.

The moment, you drop the credit card application, then you will receive the instant approval. This instant approval will be sent to you provided you have met the eligibility criterion applicable for that card. This will reduce the waiting time and you can soon use your cards to enjoy your benefits and liquidity of funds.

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What Exactly are Affordable Home Loans?

You will be having some kind of a dream to have your own home for relaxing after a hectic work schedule. But, the matter of fact here is that not everyone is quite well equipped financially to buy one’s own home, primarily because of the fact that the property prices are very much on the higher scale.

The main problem is not that of finance as there are also the some sections of the people in India who very much get the home loan amount from the financial institutions trouble free, but when it comes to the repayment of the loan, then they struggle a lot.

In order to provide a great degree of the relief to the people, some of the home loan companies in India have floated the affordable home loans that too with the lower amount of the home loan interest rates. It is not that all the banks are offering the affordable home loan amount to the people of India. There will be some companies that will be disbursing this type of the loan and it required quite an effort from the side of the individual to get the best loan.

There are now several beneficial home loans india comparison tools that are quite readily available on the Internet and with the efficient usage of these tools one can quite easily look forward to get the best rates on the desired loan and also get the keys of the dream home.         

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How Personal Loan Information is Beneficial?

When the demand for the more money arises and an individual is more or less quite helpless to fulfill those demands, then in such a condition, the only feasible option for the individual is to get good personal loan information and then apply for it.

If the demand for the money is on the instant basis, then the best option for the individual in this case is going for the instant personal loan and this is quite feasible by taking the route of the Internet. If your online application is approved, then in no time you will get the funds in your account.

The cautious approach that the individual must essentially take here in order to get the best personal loan amount is to get well updated relevant information about the personal loan interest rates. This is because you may be faced with a situation where you will probably come to know or notice that the different personal loan companies or the financial institutions are not disbursing the loan amount at the distinct rates and if you have to choose the best banks offering the affordable rates, then this is where the best information about personal loan India market comes to the rescue.   

So, it is quite clear that the basic step of asking for the excellent or affordable personal loan from the financial intuitions requires a very extensive research work in order to secure the best rates.

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How Easier is it to Get Best Car Loan Rates?

Nowadays, an individual in India cannot even say that he or she cannot own a car in their lifetime primarily because of the many car loan companies are now quite ready to disburse the hassle free loan amount to the prospective borrowers. However, the only cause of a concern among the people is the car loan interest rates and nothing else.

There is lots and lots of work has to be undertaken from the side of the borrower in order get the competitive car loan rates and for this particular purpose only one that will certainly rescue the borrower is the having a credible amount of the knowledge of the car loan steps that should be followed efficiently in order to get the best amount of the loan combined with the effective rates as well.

A critical thing here is that the individual must never ever forget at any point of the time about the value of the car also. This is because if the full value of the desired car to be purchased is not known at all, then in such a condition the individual may find it altogether a tough task to seek the desired loan. So, the essential requirement here is that in the first step the value of car has to be necessarily analyzed before signing any kind of the car loans India document.  

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Downsides of Personal Loans in India

In present time, personal loan is considered to be the best solution to meet the urgent financial requirements of an individual. Personal loans in India are treated as the best source to arrange finance as it requires no security and less documents. With personal finance, no bank asks questions about the use of finance. But still, there are some drawbacks that should be taken into consideration that are as follows: 

High interest rates

Personal loan is unsecured loan. In most of the cases banks won't ask for a collateral, security or guarantee before issuing any personal loan, which makes it a bit risky. In order to offset this risk, banks provide personal finance at higher interest rates. Interest rates of personal loan also vary from person to person.

How much of a risk banks consider you will determine the terms and interest rates on your personal loan. With good existing loan repayment record, serving in a reputed public sector, government, MNC, or blue chip company, you can get a low interest rate personal loan than one who deviates from the standard norms. A low risk borrower can get a personal loan at 16% interest rates while it can climb up 30% or more for others.

Not available to everyone

Several of the financial institutions usually emphasize on employment, income and residence criteria of any individual before providing for any financial help. They will only put their money where they find that very minimal risk is involved. So, a larger percentage of applicants are rejected in case of personal loans, if their income is not at the desired level or employment details are not worthy enough to trust the person.

No part prepayments

Prepayment of personal loan can be done as a whole. Banks in India generally do not allow part prepayment of any personal loan. Moreover, there is a prepayment penalty of 2-5 percent on the outstanding amount, which has to be paid to the bank while making any prepayments.

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Google Redirects Indian Blogger Visitors To Blogspot.in

Google now redirects visitors to Blogger blogs – traditionally hosted blogspot.com to blogspot.in domains, reports Techdows. This means that those visiting blogs from India will be redirected to .in equivalent domains. Note that this isn’t just applicable to blogs by Indian users, but any blog hosted on blogspot. For example, if you visit Greg Mankiw’s blog, instead of being taken to http://newsgrow.blogspot.com/, you’ll be redirected to http://newsgrow.blogspot.in/. The redirection is on the basis of the users IP address, and there are no other visible changes. There are two key things to consider here:

1. Freedom of speech: Clearly, this is being done to enable censorship of content on blogspot.com. Google’s FAQs state the following -

Migrating to localized domains will allow us to continue promoting free expression and responsible publishing while providing greater flexibility in complying with valid removal requests pursuant to local law. By utilizing ccTLDs, content removals can be managed on a per country basis, which will limit their impact to the smallest number of readers. Content removed due to a specific country’s law will only be removed from the relevant ccTLD.

This goes back to changes that Twitter made recently, giving itself the ability to censor content in specific countries, in compliance with local laws. Google appears doing the same with Blogspot. Note that this doesn’t mean that Google will definitely censor everything that it is asked to by the country – it can well refuse to do so – but it is giving itself the ability to. However, this does send a message to the Indian government and the I’m-offended-easily-brigade, that Google is in a position to comply to requests for blocks, by blocking access to blogspot.in domains instead of blogpost.com domains; this will most likely lead to more requests for censorship.

If the timing of Twitters announcement was bad, Google’s is catastrophic. Tomorrows hearing in the Delhi High Court will be interesting, since this also sends a signal of compliance that it is now sending to the Indian courts, where is it arguing against censorship. Outside of arguing jurisdiction in the Delhi High Court – wherein the company claimed that Google India is just a sales office and a subsidiary of Google Inc, and has no say in the operations of the parent company, and hence cannot be held responsible for action or inaction from Google Inc – this is probably the worst move that Google India could have made at this point in time. What were they thinking?

2. Search Engine Optimisation: Google says that there can be an impact on search results:

After this change, crawlers will find Blogspot content on many different domains. Hosting duplicate content on different domains can affect search results, but we are making every effort to minimize any negative consequences of hosting Blogspot content on multiple domains.

“The majority of content hosted on different domains will be unaffected by content removals, and therefore identical. For all such content, we will specify the blogspot.com version as the canonical version using rel=canonical. This will let crawlers know that although the URLs are different, the content is the same. When a post or blog in a country is affected by a content removal, the canonical URL will be set to that country’s ccTLD instead of the .com version. This will ensure that we aren’t marking different content with the same canonical tag.

Migrating to localized domains will allow us to continue promoting free expression and responsible publishing while providing greater flexibility in complying with valid removal requests pursuant to local law. By utilizing ccTLDs, content removals can be managed on a per country basis, which will limit their impact to the smallest number of readers. Content removed due to a specific country’s law will only be removed from the relevant ccTLD.”

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