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8 Features of Best Personal Loans You Must Know

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Stranded in the midst of a financial crisis and want money? Even though you are the best planner in the world, you cannot plan events of life – you never know when life throws a curve ball at you. Some of life’s surprises can have a major blow on your finances. You might have to set aside your finance plans due to emergency requirements.

All of us have been there – lack of immediate funds to meet sudden needs. From unplanned purchases to medical emergencies to repairs to urgent trips, you might need cash anytime.

What can we do meet the cash crunch?

Well, personal loans are not only logical but respected way of funding your emergency cash needs. Yes, respected – we all know what asking monetary help feels like, even from loved ones.

Does a personal loan sound your saviour? But wait, you cannot jump onto the search button and apply for any personal loan you come across. Many companies advertise their loan as the best personal loan in the market which they are not. You must take a little time to study some of the salient features that a best personal loan must have.

Before we get into all the important characteristics of best personal loans, let’s understand what personal loan is?

Personal loans are a type of unsecured loans designed to meet your personal needs grated by a banking institution, financial company or individual.

Here are some of the most crucial features of the best personal loan:

  1. Flexibility

One of the most important features of a best personal loan is its flexibility. Personal loans, unlike home or car loans, do not impose any limitations on the use of loan amount for a specific use. You can use your loan amount for any personal use you want. From travel to buying gadgets, the money can be used to meet any expense of personal nature.

  1. Disbursement is Quick

Getting a pre-approval for your personal loan must be quick. Generally, a best personal loan provider will check your credit score and eligibility. If you meet all the necessary criteria, the loan is disbursed within 24 to 72 hours, depending on your loan provider. A good personal loan offers instant online loan approval.

  1. The Less Document, The Better

Usually, all personal loans have minimal document requirement. But best personal loans accelerate the process by further limiting the number of documents needed for approval. A good loan provider allows you to apply online by scanning your documents within minutes ensuring you need the help when it is needed.

  1. Minimal Eligibility & Paperwork

Best personal loans have a simple and flexible eligibility criterion with minimal paperwork. Mostly, you need to be more than 18 years of age with Indian citizenship and a stable source of income. The paperwork is minimal which makes the whole procedure swift.

  1. Customer Support

It is quite obvious to be confused in your very first time of applying for personal loan. A good personal loan has a robust customer care department to provide you with all the assistance you might need.

  1. Easy Repayment

The best personal loans have convenient repaying options. You can have the choice to repay through various repayment options such as online payments, cheques, etc. You can select a repayment tenure that suits you the most.  Long repayment tenures will have lower monthly EMIs and vice-versa.

  1. Interest Rates

Personal loan interest rates are one of the most attractive things about them making them affordable to all. The EMI remains fixed throughout the entire tenure of the loan. So, you don’t have to worry about interest rate fluctuations like with other loans.

  1. EMI Calculator

Calculating EMIs can be extremely cumbersome. But when you work with the best personal loan provider, they willallow you to calculate EMI easily. Mostly, on their website. You will get a clear picture of monthly EMIs based on your tenure, loan amount and personal loan interest rate.

A good personal loan also offers tax benefits. It not only gives you the financial support you need but also offers tax benefits. You can claim a deduction as per Income Tax Actif the loan is used for construction or renovation of the home. The maximum amount specified undersection 24B is Rs. 2 lakhs.

The best personal loan requires no collateral. You have to be eligible for the personal loan and have mandatory documents. Thus, your assets are safe in case of non-payment or other such circumstances.  Now, that you know all the features of the best personal loan it’s time to get one!

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Life

What can be given as Return Gift for Birthday Party?

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The best return gifts for a Birthday Party are those that are of practical use for the child either as a toy, learning aid or something they can use for School every day. The best return gifts are also those that remind the kids of the fun they had at your child’s party. You will be amazed at the number of gifts that kids receive as return presents and the ones that last the test of time are the ones that do both of the above. Personalized gifts are quite high on the list of well received gifts simply because they have the names of the children, and kids love things with their names on it. This would be super relevant if you’re searching for return gift ideas for 1st birthday. Kids of this age are beginning to identify letters, so what better way than their own name to teach them!

How to Pick Return Gift for Birthday Party

The first and foremost factor to consider when looking for return gifts for a birthday party is the age range of the children.  This not only important for the final item selection, but more importantly it is for the safety of the children. Most Toys have an appropriate age range printed on each Toy, so please do pay attention to that when finalizing your selection. Please also do use your own common sense as you cannot rely on those ratings 100%.  Additionally, the best return gifts are age appropriate. Therefore, once the Toys have been checked for checked for safety, we recommend that you create a list of all the children that will be attending and put them in appropriate age groups. This way you can select an appropriate and different gift for each of those age ranges. Return gift ideas for birthdays are plenty, but the first step is to be aware of age appropriateness and safety.

Create a Guest List

A guest list for a Birthday party should be simple, concise and have the correct elements. When creating this list you should list the Name and Age of the child. If you need to group the age ranges as we recommend then it would be much easier once you have this list ready. You should also total the kids, and add a buffer of +/- 10%. This is important as very often kids will cancel, or may think of inviting some additional children at the last minute. This list will also help you mark against the names during distribution of the return gifts.

Estimate your Budget

It is wise to start the return gift selection process with a gifts budget in mind. Trust us, we have seen this too many times to ignore. Gifts choices are plenty, and if you are not working with a budget in mind the numbers can become mind numbing in the end. Being efficient with this budget will also ensure that you do not have to compromise with other elements of the party at the last minute.

Keep in mind: Age Group and their Interests

The two most important things to note about return gifts for Kids or even Adults are their Age and their Interests. When making your guest list, please note both of these as this will help you tremendously when finalizing your gifts. The best gift for brother on his birthday by age are those that also include the interests of the recipients as well.

12 Best Return Gift Ideas for Birthday Party

We have discussed earlier in the post as to some of the things that contribute to helping you give the best return gifts to your guests. All of the discussion was about considering the age and interests of the guests, along with making sure that you have a good and tight guest list that you can use to budget and also during the distribution. Now that we have gotten all of that out of the way, we can suggest some return gift ideas for a birthday that have a very high chance of leaving an awesome and memorable impression on your Guests.

All of the options shown below are good contenders for best return gifts for kids:

Personalized Name Stickers for Kids

Kids love these, and so do parents! In fact we think that parents would be more appreciative than the kids. They will never lose their stuff ever again. These stickers would be a great choice as birthday return gifts for kids.

Personalized Wall Clocks for Kids

If the kids have their own space in the house, then they will absolutely love these Clocks. Designs are available for both Boys and Girls.

Personalized Flip Flops

Funky slippers always make Kids feel awesome.  Now imagine all that awesomeness and include their name to the mix!

Personalized Cushions

You can say it with a letter, or you could say it with a Cushion.  We think Cushions are way cooler.  Each one can have their photographs as well as their names.

Personalized School Bag Tags

Kids of all ages need these Bag Tags. We have designs and themes that are specific for each age group in your birthday party.

Personalized Magic Mugs

These Mugs can be personalized with their Name as well Age. If the guests in your party are in pretty much the same age range then we think this would be a wonderful choice for a return. It’s not an ordinary Mug. It changes color when you add hot liquid to it!

Personalized Gift Wrapping Paper

These gift wrapping sheets would be one of those gifts that keeps on giving all year round. The kids will love it. It’s a very practical choice of gift, and can be used year round for wrapping all of their birthday party gifts.

Personalized Pencil Pouches

If the children in your birthday party are school going, then these pencil pouches would b e hit and a perfect fit. They are personalized as well as super practical.

Personalized Piggy Banks

If the kids are young enough, these customized Piggy Banks would be a very good choice of return gift. They are cute, practical and can be personalized with quite a large variety of designs.

Personalized Aprons

These Aprons are a good example of a gift that can be given based on the interests of the children. If you know that a large number of them are foodies or enjoying baking, a personalized Apron would be a wonderful choice for a return gift.

Personalized Puzzles

Puzzles are fun and these personalized puzzles are no exception. Include their photograph and some custom text, and you have a cool and interesting return in your hands.

Personalized Bath Towels

These custom Bath and Hand Towels are so awesome that the parents of these children may never have to run behind the kids to clean themselves anymore. The kids will love to use these Towels and do it on their own!

Conclusion:

We have shared a handful of suggestions that we feel are good options as a return gift for a birthday party. We do suggest that you do as much research as possible before starting your search as once that part is done, the rest of the process is quite simple and relatively straightforward.

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Food & Drink

See How Tech is Taking Over the Restaurant World

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Technology has even started influencing the restaurant world in 2019, with the first priority being touchscreen terminals to enhance the Point-of-Sale experience. The interface is supposed to have been designed with a new hire being able to take an order immediately, without the process being too hard. Terminals contain an attached credit card reader so cashiers can swipe, while afterward, the customer signs the screen without wasting paper. Many of these pieces of technology were designed with the future of your restaurant in mind.

 Types of Restaurant Technology

An example of how technology is taking over the restaurant world, is the digital receipt, which is emailed to the customer after the credit card is swiped. Paper receipts are an option these days that some people really do not need anymore. There are also two types of restaurant printers the impact printer, or the thermal printer. Impact printers catch the attention of the cooks in an alerting way. The thermal printer can print faster than traditional ink printers, while also being less noisy. Thermal printers are known for their efficiency. The modern cash drawer is linked to a POS terminal, also allowing for the cash drawer to be locked. To learn about POS click the link https://www.partech.com/point-of-sale/software/

New Revenue Streams

Creating new revenue streams is something that technology for restaurants has opened up through the use of the phone or the Internet to order food. Restaurants can take the food to the customer but not have the customer come to the food. Better business decisions are made with using technology that makes important decisions. Restaurant owners track customer preferences, while helping you make the best business decisions possible. Customers could be listed by name, with vital information like birthdays, allergies, and dietary restrictions being noted. This way to monitor customers’ needs is helpful for restaurants.

 Small Business Technology

Finding employees has become easier with an ability to recruit using Facetime so someone in Fort Wayne, Indiana can recruit a person in New York or Los Angeles. Even better, technology is helping make time-consuming take less time to finish. The manager can focus on more important issues that affect their restaurant. Technology can help improve employee-scheduling tasks, which are normally quite time consuming. Restaurant hardware is more visible these days, because it has a reputation for empowering restaurant guests. A handheld server tablet is one way to organize the ordering process. These tablets allow for at-the-table ordering.

Other pieces of technology that change the restaurant industry include the pole display screen, that in some parts of the country is a legal requirement. Another piece of technology that helps is the kitchen display screen that shows all the open orders for the back-of-the-house team to see in one place. It helps keep things organized. You need to find technology that organizes the chaotic situation in a restaurant kitchen. Technology helps streamline the order process from the cash register line to the kitchen. In order to have an effective restaurant, technology can help an entrepreneur with running a successful restaurant that will stay in business.

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Finds

Awesome Things to Do In Uptown Charlotte, North Carolina

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The largest city in North Carolina, Charlotte is known for excellent museums and a great dining scene. It’s known as the “Queen City” – named after the wife of George III.

 

When you are staying in vacation rentals in Charlotte, NC, you’ll want to check out the vibrant Uptown neighborhood. It’s the heart of the city and it has so much to offer. While you are exploring the Uptown neighborhood, here are a few of the highlights you shouldn’t miss.

Watch a Charlotte Knights Ball Game

The Charlotte Knights play at their home stadium, the BB&T Ballpark – which has been named the top stadium in the minor league. A day out at the ball game is a great activity to enjoy during your time in Charlotte. You can relax with some great stadium snacks and admire the views of the city between innings.

Admire the Bechtler Museum of Modern Art

This impressive modern museum is dedicated to innovative and thought-provoking modern art. You can see a number of masterpieces here, from Pablo Picasso to Andy Warhol to Alberto Giacometti and more. The museum itself is a pretty inspiring building too – with a soaring glass atrium and lots of natural light.

Discover the Past at the Wells Fargo History Museum

The town of Charlotte went through a boom when gold was discovered nearby – and the Wells Fargo History Museum tells this story. You can learn about the history of gold mining in North Carolina, as well as see a rare 19th century Concord stagecoach – constructed in the mid-19th century. You can also venture into a recreated underground mine tunnel and experience what life would have been like for the mine workers.

Have a Picnic on The Green

The Green is a peaceful, welcoming park in Uptown Charlotte – a great place to escape from the busy chaos of the city. It’s a lovely place to relax for a while and have a picnic, so bring a few snacks and a blanket! It’s also known for hosting free plays and movie screenings during the summertime, including performances of Shakespeare.

Shop at 7th Street Public Market

Head down to the 7th Street Public Market, a mixed use shopping space packed with food stalls, gourmet boutiques and much more. You can find some delicious treats to enjoy, or something yummy to take home with you. There are several communal tables in the center of the market, so it’s easy to start chatting to people you meet and make new friends.

Go for a Drink at Epicentre

One of the best places to go out for the evening in Uptown Charlotte is the entertaining and dining complex at Epicentre. It’s home to several great restaurants and bars, as well as a movie theater and a bowling alley. You can feast on beer and wings at Wild Wing Cafe, or tap your toes to live music at Tin Roof. Or, watch the sunset with a cocktail in hand from Rooftop 210.

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