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About Credit Card
With digitization of payments is taking over across the nation, it is no longer practicleto carry a thick stack of bank notes and rolls of coins in one's wallet With respect to the current scenario, credit cards, also known as plastic money, provide a viable alternative and their use is also on the rise. Apart from providing much needed alternative to cash, credit cards also reward you for expenses made using them. As a result of the huge demand for plastic currency, there are a plenty of options available from leading banks.
There are a host of credit cards available in the market having different features and benefits linked to them. The most popular credit cards on the offer include, entertainment credit cards, fuel credit cards, co-branded credit cards, cash-back credit cards, student credit cards, women credit cards, travel credit cards, lifetime free credit cards, premium credit cards, Business credit card, Global credit card and low interest credit cards.
Steps To Compare Different Types of Credit Cards At Paisabazaar
Step 1: Choose the purpose of the card. All credit cards have different benefits and reward programs offered. Choosing the purpose of the card will help us show you the most relevant credit cards available.
Step 2: Select your city of residence. There are many banks that offer specific cards and schemes for specific cities.
Step 3: Select employment. The next step includes specifying whether you are salaried or self-employed.
Step 4: Employer name (enter slowly to allow for auto fill).
Step 5: Enter your gross monthly income to confirm eligibility.
Step 6: Specify if you already own a credit card. If you do not have a credit card, you will have to tell if you have taken a loan previously. This is to check your credit history. If you already have a credit card, you will have to mention the bank which has provided your card.
Step 7: Pick the bank that you have your salary account with, or if you are paid via cheque or cash.
Step 8: The next step is to fill in your personal details including your pin code, name, gender, date of birth, email id, and mobile number.
Step 9: After checking the box to authorize the override of your DNC/ NDNC setting, you can view all the credit card offers that are available for you for an easy comparison of credit cards and select the card that seems most suitable to your needs.
Apply for Credit Card Online
Nowadays, it is very easy to avail a credit card if you meet the eligibility criteria. You do not need to visit your bank branch for the purpose; credit card application can be made online. You can visit the web portal of the bank and apply for a credit card by filling out some basic details like name, email ID, contact number, income, address, etc. You will get a call from a credit card representative of the bank who will guide you through the process. A representative will also come to collect your documents at your doorstep.
If you cannot decide which card to choose, you can compare the best cards at Paisabazaar.com and then apply directly without having to visit the websites of different banks.
Apply for Credit Card Offline
People who are not comfortable with online methods of credit card application can visit the bank branch directly to apply for the same. Just visit the branch and communicate about the type of credit card you need. The representative will tell you about the credit cards that match your needs. Then, you will have to fill the credit card application form and provide some KYC documents such as identity proof, address proof, etc. You will also be required to provide proof of income and two passport sized photographs.
A credit card company enters into agreements with various merchants for them to accept their credit cards. The credit card issuer issues a credit card to their customer. When a bank issues a credit card, a revolving credit line is created for the customer and this line of credit may be used by the card user to make purchases or to get cash advances by using your credit cards as ATM cards. The card holder then receives a monthly bill thbuttonat can be paid off before the due date without incurring any interest for using the credit provided by the card issuer. When a purchase is made, the cardholder is basically agreeing to pay the card issuer the amount that has been incurred, at a later date.
While making a purchase, the card holder has to swipe the magnetic strip of the card on a card machine at the shop. The merchant copy of the receipt generated needs the card holder's signature for validation. Newer cards feature the more secure chip and pin system, where the chip on the card is read by the merchant's card machine and a four or six digit pin is required to complete and validate the transaction.
Apart from using the card through physical presentation, as discussed above, the booming online shopping industry has also benefited hugely through the ubiquitous availability of credit cards. Key details required for completing an online transaction using a credit card include the card number, the card expiry date, the CVV number on the back of the card and a special transaction password or one time password sent to your registered mobile number.
Add-on credit cards
A supplementary credit card is an add-on credit card issued under the original or primary card. These credit cards can be issued for family members of the primary card holder. Every credit card has a limited number of supplementary credit cards that can be issued. This number differs from bank to bank and also depends on the type of card issued.
The Cost
Most banks issue add-on cards under a primary credit card for free, however, some banks have a small fee applicable on the issue of any additional cards. On the other hand, there are also situations where a certain number of additional cards are available for free, and anything over that number will be charged. The important point to remember here is that the overall credit report that is affected and any dues that are incurred will be on the primary account only. Therefore, any payments that are not made by the due date will be the liability of the primary credit card holder to pay, along with the late charges and applicable interest. So it becomes important to ensure that any supplementary cards that you apply for are only given to the people who are trustworthy and will be able to use the card properly and with care.
Regardless of the number of cards that are issued under a primary credit card, they will all be directed to a single account for the payment of dues.
The Credit limit: Mostly, the credit limit that is set on an add-on credit card is the same as that of the primary credit card, but according to certain bank conditions, the credit limit for supplementary cards are set lower than that of the primary card. If you have been issued more than one add-on card, the sub limit decided will be distributed equally among the add-on cards to match the total limit of the primary card. This sub limit will also be applicable on any ATM withdrawals.
Details: The information about all the transactions that will be conducted is recorded on one primary account. So if you hand over the additional card to someone else, you can also keep track of the withdrawals and transactions along with the exact dates.
Benefits of An Add-On Card
Add-on cards mostly enjoy the same credit card reward programs as the primary cards. This however, may vary with each issuing bank, but the basic benefits are:
- Use : Most credit cards allow the card holder to use these cards in India as well as in foreign countries for conducting various transactions like shopping. Supplementary credit cards too offer card holders the same benefits. Both online and offline shopping can be done with add-on credit cards.
- ATM facilities : The withdrawal limit set on a supplementary card may be the same as the primary card, or it might be less. But supplementary cards too have the option for cash advance. This implies that the card holder can withdraw cash from the ATMs at anytime of the day.
- Reward points : Reward or bonus points are added to your account each time you swipe a credit card. After you have accumulated a certain amount of reward points you can avail a benefit or a boost from your bank. All supplementary credit cards also have the same features, the same amount of reward points are given for subsequent swipes, as is the case with the primary card.
- Monitor Usage : Monitoring the usage, spending habits and transactions made via a supplementary card is very easy as all cards are basically under the same account.
- Independence : Supplementary credit cards given to children or even parents provide them with financial freedom. These cards are also very useful in case of emergencies.
- Easy tracking : All transactions of supplementary cards and primary cards are recorded in the same statement. This can help the card holder in easy tracking.
About the credit cards
When you make a purchase using your credit card, you are essentially taking out a short-term loan. The interest that is applicable on this loan will depend on when you pay it back. If you are able to make a payback before the due date, there will be no applicable interest. Credit cards also have a small grace period before the payment is due in any billing cycle, which can be something around 30-45 days. Paying before the end of the grace period will help you avoid any interest, while paying less than the total balance will accrue interest on the average daily balance.
Why get a credit card?
With a number of benefits supporting credit cards, the most important one is that it can help you build your credit score. Good credit, in turn, will help you obtain loans much easily in the future, that too at very favorable rates. It also helps in getting lower insurance premiums. Apart from this, there are a number of credit cards with rewards programs that can offer card holders with a number of extra benefits like reward points, shopping benefits, etc.
The Grace Period
Say that you have a credit card billing cycle of 5th January through 4th February, and the due date is 1st March, then any purchases that are made within the period will remain interest free until the due date. This is the grace period that is offered for credit cards in India, after which the balance will be subject to interest. Any cash advances that are taken on your credit card do not enjoy the benefit of a grace period.
Interest Rate
If the cardholder does not pay the full credit card bill before the due date, the entire outstanding balance will attract the applicable rate of interest for credit cards. Not just the balance, any new spending on the card will also have these interest rates applicable, until the entire balance has been paid off. However, in the case of a cash advance, unless the card holder pays off the entire bill balance each month, there will be no grace period for them. Low interest credit cards are available, and should always be looked into whenever you compare credit cards. When the credit card holder does not pay the credit card bills on time, then interest is applied on it which leads to accumulation of credit card debt. Being late on paying credit card bills is referred to as default. Late penalty fee can also be applied on the accumulated credit card debt.
Understanding Credit Card Numbers
On the front side of your credit card, there are 16 numbers which are unique to your card. American Express and Diner Club cards have 15 digit numbers. These are not just random numbers; you will be surprised to know that every single number carries a specific meaning. Credit card numbers are assigned by the International Standards Organization (ISO). Let us break down these numbers and understand what they mean.
The first six digits of the credit card are a combination of Major Industry Identifier (MII) and the Issuer Identifier Number (IIN). In fact, it is only the first number that defines the major industry, that is, the banking and financial industry. Some other popular MII are-
- 3 for Travel and Entertainment
- 4 for Banking and Financial (VISA)
- 5 for Banking and Financial (Master Card)
- 6 for Merchandising and Banking
The first number (MII) along with the next five numbers represents the exact identifier. These six digits are together known as the Bank Identification Number (BIN).
Next is the account number which identifies the user. Different banks and card issuers may have different lengths and number sequences when it comes to the account number of the user.
The next part of your credit card number is the checksum, also known as the Luhn Algorithm. This algorithm was awarded as a US patent to IBM Scientist Hans Peter Luhn. It is used to confirm the initial digits of a credit card and prevents casual attempts to make up new credit card numbers.
This is how you can implement this formula-
Step 1- Double every odd number on credit card starting from the right. Suppose your card number is 4321 4456 9212 7754.
5x2=10, 7x2=14, 1x2=2, 9x2=18, 5x2=10, 4x2=8, 2x2=4, 4x2=8
(10, 14, 2, 18, 10, 8, 4, 8)- This is the sequence you get.
Step 2- Now add these digits to the un-doubled numbers. Add the double digit numbers to form a single one. For example, if it's 14, the single digit will be 1+4=5. So now the sequence is- (1, 5, 2, 9, 1, 8, 4, 8).
(1+5+2+9+1+8+4+8) + (3+1+4+6+2+2+7+4) = 67
Step 3- If the number you have got from step 2 is not divisible by 10, the credit card number is fake. Since the above number is 67 and it is not divisible by 10, this credit card number that we started with in step 1 is a fake number.
Apart from these, a CVV and issue and expiration dates are assigned to your card. CVV are security codes for different credit card providers.
Some of the key benefits of a credit card are:
- You can own a credit card and enjoy a host of benefits, such as short-term, zero-interest loan for every purchase, no worry of carrying various currency denominations as it is a useful alternative to cash.
- It helps in building the cardholder's credit history.
- Credit card issuing entities and institutions keep a complete record of the transactions that are made by their credit card holders.
- Basic routine charges are applied by the issuing entity on the usage of the credit card.
- Some common charges on credit cards include credit card fees or joining fees, annual fee, late payment charge, duplicate statement fee, cash withdrawal, service tax, ECS or cheque return charge, foreign currency transactions and over limit fee.
- A grace period, or a minimum number of additional days within which a cardholder can make his credit card bill payments without incurring any interest or financial charges is offered.
- If payment is not made within the grace period, then a credit-card issuer charges additional fees.
- Cash withdrawal fees are charged higher than the fees that may be charged for regular credit transactions.
- A mandatory service tax is imposed by the government on credit card transactions and can increase the final end cost that is incurred by a credit cardholder.
- Credit cards give the card holder the option to make payments in domestic as well as in foreign currency.
- Every credit card has a credit limit that is set on the card. This limit is determined after analyzing the credit worthiness of the cardholder.
- It offers various features, such as reward points, gift coupons, vouchers, cash back and extra discount on purchase.
- There is a specified credit limit for purchases and for cash withdrawals with credit cards.
- Credit cards can be of the following types, Rupay Credit Card, Master and Visa Credit Cards, depending upon the payment network the card provider uses.
- EMI facility is also offered on a credit card wherein the credit card holder has the privilege to convert his credit card purchases into EMIs. Every Bank has a minimum transaction amount for availing the EMI facility. You can use PaisaBazaar's Credit Card EMI Calculator to calculate the EMI that you will pay in case you avail the EMI facility.
- Credit cards with lost card liability or Insurance protects card holders against forged transactions. This insurance is offered for up to 48 hours prior to reporting to loss of card.
- Credit card balance transfer allows the card holder to transfer outstanding balance in a credit card account to an account held at another credit card company. This balance transfer on a credit card allows you to repay the outstanding balance at a lower interest rate which the other account offers.
- Alternative to cash: Having a credit card is a very safe and convenient to carry alternative to carrying a bundle of cash. It can help you do some hassle free shopping and will also ensure the safety of money.
- Emergencies: Whether there is a medical emergency or some other kind of urgent cash requirement, credit cards can provide help by making available immediate credit under such circumstances.
- Making big purchases: The whole concept of buy now, pay later, does tend to make it rather easier for people to make some big purchases, and setting up an EMI pay back method with their banks. You can also pay bills using credit cards.
- Build your credit score: One of the biggest advantages of owning a credit card is that it is easy to build a credit history through your credit card transactions. Also, repaying all your credit card dues in time will help improve your credit card score, which in turn can help you in getting loans in the future. Many times loan applications are rejected because the applicant doesn't have a credit history, and having a credit card is one of the easiest ways to build a history.
- Welcome Offers: Most credit card issuers offer the card holder different credit card schemes or rewards in the form of gifts, discounts or free rewards points just for activating the bank credit card within a stipulated time period termed as welcome rewards.
- Reward Points or Cash Back: Every time you make a purchase on your credit card, you receive a few reward points or a cash back reward credited to your account. The reward points can be accumulated to avail various free gifts, while cash back rewards are directly applied to your card account.
- Secure Transactions: New credit cards feature the chip and pin system, which adds to their security, hence they are safer than carrying around large amounts of cash and save you from Credit Card Fraud. In case of online transactions, a two tier authentication system is followed, where apart from the information on the card such as card number, expiry date and CVV number, an OTP or secret password is also required to complete the online transaction.
- Track your purchases: When using cash, it becomes difficult to keep track of the purchases. However, with a credit card, one can easily maintain a track record of the transactions that you have made, through the monthly credit card statement.
With a number of credit cards available, offering a variety of benefits, which credit card is best for you depends mainly on where your major spending pattern lies. It also depends on how you would want to make your credit card bill payments. There are however, a few features that you should take into account before you compare credit cards and decide which one is the best for you.
- Cash back: Cash back is an option available with a number of credit cards. Under this scheme, your purchases will also give you back some credit on your account. Checking which cards have a cash back option is beneficial in the long run.
- Interest rates: It is important to check the applicable interest rates of different credit cards. Even though one might have the best intentions, delayed payments are not that uncommon.
- Discounts: A number of credit card providers offer discounts on various goods and services that are purchased through their own or partner organizations.
- Reward schemes: Reward schemes are a prevalent benefit of credit cards and different cards offer points or benefits at particular vendors. So choose credit cards with rewards programs that suit your needs and match your spending patterns.
- Card Fees and Charges: It is important that you check out all the applicable charges like the annual account keeping fees, reward point fees, fees for exceeding credit limit, international transaction fees, cash advance fees, etc., and not just the interest rates before choosing your right card.
- Payments: Another aspect to keep in mind is to take a look at the minimum repayment value required by the card issuing institution, as well as the length of the interest-free period (if any).
Credit Card - Eligibility Criteria
The eligibility for a credit card differs from provider to provider. However, the basic criteria are as follows:
- You should be at least 18 years old
- Whether salaried or self-employed, you must have a regular source of income to pay back your credit card bills (minimum income bracket differs from one card to another).
- You should have a savings account in your name.
- You must not have a bad credit history
Credit Card - Documents Required
The documentation requirement also varies from issuer to issuer, some of the key documents required to apply for a credit card are as follows:
- Identity and signature proof- Passport, PAN card, Driving License, Voter ID card, Aadhaar card, employee identity card in case of government employees.
- Address Proof-Bank statement, Rent Agreement, Voter ID card, Ration card, Passport, Driving License, telephone/ electricity/ water/ credit card bill or Property tax.
- Age Proof-Voter ID card, Secondary School Certificate (class 10), birth certificate, Passport, Aadhaar Card, pension payment order or receipt of LIC policy.
Income proof for Salaried Individual:
Latest 3 months' salary slips, Salary account bank statement for six months.
Income proof for Self-employed businessmen/professionals:
Latest IT Returns with computation of income and other certified financial documents Business continuity proof.
There are various factors that can affect the credit card interest rates and interest is applied on any balance you owe on your credit card. Credit card interest rates are the highest among various debt instruments available to the customer. In most cases, credit card interest rates start at 18% and may increase based on various factors such as your payment history, the type of card and various other factors.
Paisabazaar is here to help find a Credit Card that best suits your requirement.
We, at Paisabazaar.com, help you compare the various types of credit cards available vis-a-vis your requirements. Through our unbiased credit card eligibility calculator, you can easily identify the pros and cons of the cards on offer before choosing and applying for one. Our analysis and suggestions are free from any inclinations that may adversely impact your financial planning.
Top Banks Providing Credit Cards
As a result of the popularity of cashless transactions especially among younger customers, most banks in India have issued credit cards to cater to various segments of the population. Some leading players include Standard Chartered Bank, HDFC Bank, Axis Bank, Ratnakar Bank, SBI Cards, ICICI Bank and many others.
Factors that affect rate of interests for credit cards
It is always a good idea to compare credit cards online before deciding on which card to apply for. The interest rate varies from bank to bank and lender to lender, but there are also other factors that can affect the interest rates that are offered to the applicant. The basic premise on which credit cards interest rates are based is the credit score of the main card holder. This score in turn is also based on a number of factors. Some of the factors that are attributed with affecting the interest rates are as follows:
History of previous payments
The history of payments made by the credit card holder provides the assurance to the credit card issuer that the money that is lent will be repaid. Lenders can easily look into your payment history to check if you have paid your bills on time as well. In case you have defaulted payments, your credit score falls, and accordingly, you will be required to pay higher rates of interests on credit cards.
The amount you owe
This factor refers to the amount of credit that you already owe to a lender or lenders. The calculation of this amount is done based on the total available credit that you have already used. Although, owing a lesser amount is better in the long run, owing nothing is not good for your interest rates. By having credit owed, a lender can track your repayment habits. This tracking consequentially helps in confirming that if you borrow money, you are responsible and financially stable to make repayments.
Credit history length
The credit score that you have is also in parts influenced by the age of your credit history. This refers simply to how long you have been using credit. A lender too checks the dates of your credit history to see for how many years you have been using credit, the age of your oldest account as well as the average age of all the accounts you own.
In case you have been responsible and have been maintaining a good CIBIL record that has not been marred by any negative items like late payments then you might be able to get lower credit card interest rates. If you are a beginner, the short age of your history will not mar your interest rates as long as you have been making timely repayments and do not have too many repayments due.
New Credit
Whenever people experience a cash flow problem or plan to take on a lot of new debt, they tend to open a number of new credit accounts. An increase in the number of credit purchases that are done together or successively will not only hit your credit score, but will make everyone rather skeptical about your capacity to make repayments. As it involves greater credit risks, CIBIL rates you on the number of new credit purchases and new accounts applied for within a given period of time.
For instance, if you have a home loan that you are already paying back, and you apply for another loan, as a part of determining your repayment capabilities, the lender will look at your existing monthly debt and calculate how much new EMI you can afford to pay every month. If after this, you apply for a few credit cards, the image that is portrayed is that you tend to make a number of purchases on the cards, making you incapable of paying back the EMIs for the new loan. This would lead to suspecting your ability to make repayments, further resulting in a higher rate of interest being offered to you.
The types of credit you have
The credit use that you have on various accounts is also taken into consideration. This could include a number of credit lines, including, installment accounts,credit cards, auto loans, personal loan, mortgages, etc. The number of accounts that you have is also taken into account, and having a mix of credit is always better than having a single type of credit. If you have different types of credit, the lender will be able to see if you manage them responsibly. This can also help you in getting lower interest rates.
- Joining fee : This is a one off payment that is made at the time of purchasing a credit card.
- Annual fee : This is a pre specified amount that is to be paid annually by the card holder for using the credit card.
- Duplicate statement fee : Another fixed sum charge that is applicable if the customer asks to receive a duplicate statement in physical form.
- Late payment charge : This amount is a penalty that is to be paid over and above the interest charges applicable. This fee is payable if the card holder does not make timely payments
- Cash withdrawal : The cash withdrawal interest is an amount that is charged in case the card holder uses their credit card to make cash withdrawals against their card.
- Service Tax : The service tax is charged on any of the expenses that are made using a credit card. The service tax depends on the value of the transaction that is inclusive of interest, fees and other charges.
- ECS or cheque return charge : This is a fixed amount that is to be paid by the card holder in case of ECS failure or cheque bounce.
- Foreign currency transactions : This fee is a defined percentage of the transaction value, for any transactions that are made on a foreign land and is subject to a minimum amount payable by the credit card holder.
- Over-limit fee : If the card holders' fees, purchases, or finance charges exceed their credit limit, an over limit fee is charged to the card holder.
- American Express Credit Cards
- SBI Credit Cards
- ICICI Credit Cards
- HDFC Bank Credit Cards
- RBL Credit Cards
- Axis Bank Credit Cards
- Kotak Mahindra Credit Cards
- Standard Chartered Credit Cards
- IndusInd Bank Credit Cards
- CitiBankCredit Cards
- HSBC Credit Cards
Unsecured and Secured credit cards
Primarily there are two types of credit cards - secured and unsecured.
Secured cards refer to the kind of credit cards that are backed by a cash deposit that is generally equal to the credit limit of the card. This cash deposit acts as collateral and is able to remove the risk of non-payment. For those who have not yet built a solid credit history, secured credit cards provide a great option. Prepaid credit cards or debit cards are unlike a secured credit card. With secured credit cards, as you keep spending, it does not affect your cash deposit, as is the case of prepaid and debit cards. The credit card payments are made in the same way as with unsecured cards, interest is also applicable in the same way if you do not make the repayments by the end of the grace period, and if the balance is not paid in full. Once the transition to an unsecured credit card is made or if you cancel your secured card, the cash deposit will be returned to you, provided that you have cleared any due balance.
An unsecured credit card on the other hand is not backed by any cash deposit and no collateral is required for it. Your card will have a credit limit that will be decided based on the level of your income as well as you credit history. The credit limit of the first card people own is generally low.
Credit card issuers take on a much bigger risk when they approve an unsecured credit card, and that is why, for beginners, it is always easier to start with a secured card, or to get a cosigner for an unsecured card. Another option people can choose is to be added to a friend or relative's credit account as an add-on authorized user. Under this method you will not be legally obligated to pay outstanding balances, but will be able to use a credit card and might also be able to avail the benefits of the good credit habits of the primary card holder.
Fees and Charges for Top Credit Cards
|Credit Card
|Joining Fee
|Annual Fee
|SBI Card ELITE
|Rs 4999
|Rs 4999
|HDFC Regalia Credit Card
|Rs 2500 + GST
|Rs 2500 + GST
|The American Express Platinum Travel Credit Card
|Rs 3500 + GST
|Rs 5000 +GST
|Standard Chartered Super Value Titanium Credit Card
|Rs 499
|Rs 750
|Citi Premiere Miles Credit Card
|Rs 3000
|Rs 3000
|ICICI Bank Coral Credit Card
|Rs. 500 + GST
|Rs. 500 + GST
|YES First Preferred Credit Card
|Rs 2500 + GST
|Rs 2500 + GST
|Axis Bank Vistara Infinite Credit Card
|Rs 10,000
|Rs 10,000
Regular Cards
Beginning with the most basic cards, these are credit cards that have a rather low credit limit and a basic stature among other types of cards. Many times, credit card companies club various reward programs with these cards to improve their appeal to customers.
Silver Cards
The eligibility criteria for silver cards are higher than that for regular cards. These cards have higher credit limits and also offer more benefits. People with an experience of at least 4 to 5 years of using a credit card can opt for these cards, the main features of which are:
- Low membership fees.
- The applicant does not have to be a high- salaried person to be eligible for a silver card.
- Initially between 6-9 months when the account balance is to be transferred from one credit provider to another one, the applicable interest is 0%
- Provided that the card holder has a good credit history, the credit limit provided can be the same as is provided to other credit cards.
Gold Cards
Steps above the silver cards, gold cards enjoy an even higher credit limit and status as compared to the silver cards, and also have higher eligibility criteria, and are made for higher income groups. Its main features are:
- A higher cash withdrawal limit
- Higher credit limit
- Option to take one Add-on card
- Many other benefits including travel insurance, reward points, cash back offers etc.
Platinum or Titanium Cards
These types of cards are rather similar to gold credit cards, but enjoy a few additional benefits. The exact features will of course vary from bank to bank, but a few of the common features are:
- Credit card loss or theft protection
- Protection against fraudulent online transactions with credit cards
- Personal accident cover
- No yearly fee
Rewards credit cards
This is a type of credit card that is famous mainly because of the rewards that are attached to it. These rewards are based on the usage of the card. The various types of cards that come in this category include:
- Fuel Credit cards
- Lifestyle Credit Cards
- Airline credit cards:
- Co-branded Credit Cards
- Entertainment Credit Cards
- Cashback Credit Cards
- Rewards Credit Cards
- Credit Cards for Women
Premium Credit cards
Specially designed for high net-worth individuals, every premium credit card in India provides best in class rewards designed to exceed the expectations of even the most discerning card user. These high rewards do come at a price as these cards often have high joining and annual fees.
Kisan Credit Cards
A relatively new addition to the types of credit cards offered by leading market players, Kisan credit cards in India are provided to rural farmers in India so that they can get access to credit at preferred interest rates.
International Credit Cards
If you are a compulsive globetrotter, choosing the best international credit cards in India is more of a necessity than an option. These credit cards can be used to make transactions overseas so that you do not have to worry about carrying wads of cash during your travels to distant destinations.
Student Credit Cards
The student credit card market in India is at best in its infancy, but banking on the probability of growth in the not so distant future, some card issuers have started introducing these. These cards are on offer only to students who are 18 or older and enrolled in full time education at an institute.
Balance transfer credit cards
This type of card is generally bought to pay off any outstanding amount on one card with the other. In this category, a number of cards also offer interest free time periods.
When it comes to getting your first credit card, it is usually one that is associated with your salary account. Most of the times, the credit card is taken without any research into the features and the benefits, and without a comparison of credit cards. Of course, all credit cards are not the same, which would make one wonder whether their card is the best card for them. Taking a new credit card, or getting an upgrade seems like the obvious solution to this, so here are the factors that you should consider before you opt for a new credit card:
Credit limit
If you upgrade your present credit card, you will be choosing an increased credit limit. Getting a new card, on the other hand, will raise your overall credit limit. This would imply that you would be able to spend more without putting an undue burden on your credit usage.
Spending value
This depends on the type of card that you choose. There are a number of benefits that you can avail from the numerous offers and rewards that are up for grabs. If you already have a credit card that offers you benefits on fuel, maybe the next card you choose could have rewards on shopping or even fine dining. In other words, do your research and apply for a card that covers benefits on spends that were not previously covered.
Credit Score
It is a fact that if you utilize the credit limit of a card or multiple cards up to 50% of the overall limit, it has an adverse effect on your overall credit score. It is not an uncommon occurrence and if you are one of the people who fall in this category, getting your card upgraded or getting a new card will make sense for you. With this, as long as you are able to keep your expenses under check, you will not have to worry about putting stress on your credit score.
Loan approval
An increased credit limit is able to sway a lot of people into extra expenses. But if you are able to resist that and keep your expenditure in control, it will reduce your risk factor and you will be viewed as a 'safe' borrower by the banks. The simple reason behind this is that you show limited card usage and have access to more credit; this will improve your CIBIL credit score gradually. A good CIBIL score in turn will enable you to get quicker loan approvals. You will also be able to receive negotiated interest rates on loans.
Cash flow management
An additional credit card can actually help you in better managing your cash flow. You can ensure that you are able to manage your monthly budget perfectly with a simple step. Ensure that the new card that you take has a billing cycle that is different from that of your present card. If you have a billing cycle for your present card that is billed at the end of a month, when you apply for a new card, opt for a billing cycle that is billed mid-month. This way you will be able to split your expenses.
Annual fee, penalties, interest rates
One of the main factors that you should consider is that by taking a new card your total annual fee will increase. The same is the case when you upgrade your card. With an upgrade, you will also see a hike in the annual fee that you are already paying. The penalties that are applicable on exceeding the credit limit of credit cards will also increase, along with the charges imposed on ATM withdrawals or purchases made overseas. If you are unable to make the repayments on time, you will also be charged a greater interest rate on the outstanding balance.
Upgrading your credit card or even applying for new cards may seem like a great idea, but it is a decision that must be taken only after due consideration of your needs and capabilities. Frequent upgrading or purchase of new credit cards will make you seem as financially irresponsible and will end up affecting your credit score.
Ineligibility due to income
All credit cards have a varying requirement for the minimum income of an applicant. If you do not meet that minimum requirement, your credit card application may get rejected. It is recommended that you should try to search for cards that are aligned with your income bracket to avoid any rejection on this basis.
Residence/ Office location
Surprising as it may sound, the area where you reside or where your office is located, also plays a role in the acceptance of your credit card application. Banks have a list of areas that are blacklisted and where they do not provide any services.
Incorrect information
False or even incomplete information on your application form is also one of the reasons that your application gets rejected. The bank will not call you to supply any missing information, but will straight away reject it. So, it is a good idea to spend some time going over your filled application form and correcting anything that seems out of place, wrong, or incomplete.
Discrepancies in the credit report
When a change is to be made in your credit report, it usually takes some time. It is also possible that some previous debt of yours that has been cleared are not updated on your credit report. So before applying, make sure that you go through your CIBIL score and report, and inform the authorities if there is any discrepancy in your report.
Bad credit history
A credit history is what shows your prospective card issuer your risk perception. The following are a few of the situations that would show you as a risky customer:
- Too many loans: If you already have too many loans, the issuer would presume that your finances are already stretched thin and that will cast doubts on your repayment capabilities.
- Too many credit card applications: Applying for a number of credit cards simultaneously will make you come forth as desperate and again cast doubts on your repayment capabilities.
- Excessive credit card usage: If you use your credit card excessively and tend to exhaust your credit limit, or even if you use up to 50% of the credit limit on a number of cards, you will be deemed as financially unstable.
Credit Score
This is one of the most common and obvious reasons for the rejection of a credit card application. You might not have debts presently, but your payment history reflects in your credit sIf you use your credit card excessively and tend to exhaust your credit limit, or even if you use up to 50% of the credit limit on a number of cards, you will be deemed as financially unstablecore and of course in your credit history, which ultimately affects your credit card applications.
With PaisaBazaar you can apply for a credit card online. Just visit our website and check whether you qualify for a credit card or not. Once you check your eligibility for a credit card online at Paisabazaar, it displays a list of popular credit cards based upon your eligibility. You can then go in for a comparison which helps you to make an informed choice. Post comparison, you can apply for a credit card online at Paisabazaar. Applying for a credit card was never this easy!
Paisabazaar gives you the leading-edge, here's how:
- You can Check your credit card eligibility.
- Go for an exhaustive credit card comparison.
- Apply online for a credit card, with reference to your credit card eligibility we offer you the best credit cards in India.
- You can then compare credit cards against different criterion.
- Finally, you can make a choice from the list of best credit cards in India.
Q. Do all credit cards feature an annual fee and joining fee?
Ans. No, not all cards feature an annual fee and/or a joining fee. In case of basic credit cards, there is usually no annual fee; however, cards that have an annual fee often provide more benefits than the zero annual fee cards.
Q. Can I get cash from the ATM using my credit card?
Ans. Yes. This facility is known as cash advance.Finally, you can make a choice from the list of best credit cards in Indiaance and you can withdraw a part of your total credit limit as cash from an ATM. But such cash withdrawals carry additional charges and feature a higher interest rate than your credit card-based purchases.
Q. Can my credit limit increase later on?
Ans. Yes. Credit limits are revised from time to time by the card issuer. This usually takes into account your previous payment track record; however, your limit may also be downgraded if you have missed multiple credit card payments on previous bills.
There are numerous credit card providers in the market offering several benefits and features on their cards. So, it is a difficult task for an individual to find the perfect card. Here at Paisabazaar.com, you can compare the credit cards available in the market and choose the one that best matches your preference.
Here are a few reasons why you must apply for a credit card through Paisabazaar.com-
Compare Credit Cards- You should never choose the first credit card that you come across. Financial decisions need thorough research and comparison. Paisabazaar.com is a platform where you can compare four cards at a time. Know about the net savings that you can make on each card, annual fees you will have to pay, reward points, general and luxury benefits, insurance, etc. Every card has been marked with what it is best for such as shopping, dining, fuel or travel. This will help you find the perfect card for yourself.
Simple Application Process- With Paisabazaar.com, your credit card is just a few clicks away. You do not have to visit different banks website to apply separately. Compare, find and apply online without any hassles.
Customer Support- Paisabazaar.com customer support team is always there to listen to the customer's queries related to credit cards and resolves them at the earliest.
Though the credit card eligibility criteria and documentation process varies with different banks, there are a few things that must be in your checklist when applying for any credit card-
Identity Proof- You must have a valid identity proof at the time of credit card application. This may include PAN Card, Aadhaar Card, Passport, Driving License, Voter's Identity Card, etc.
Address Proof- A valid address proof is also needed at the time of credit card application. Documents that work as address proof include passport, ration card, voter's ID card and more.
Proof of Income- You will also be required to submit your income proof which includes salary slip, bank statement, etc. Note that these documents should be up to date. Old documents are not considered as valid income proof. Self-employed people will also have to submit income proof but the supporting documents may vary.
Photograph- At least two passport sized photographs will be required for credit card application.
The main reason why people wish to take a credit card is so that they can convert their high-value purchases into easy Equated Monthly Instalments (EMI). So, what are these EMIs? EMIs are used to pay off both interest and principal on your borrowing so that over a period of time the entire loan is paid off in full.
Credit card EMIs can be calculated manually or using an excel sheet to cross-check whether your bank is charging you fairly.Credit card EMIs can be calculated manually or using an excel sheet to cross-check whether your bank is charging you fairly
For calculating credit card EMIs, you will need the following information-
P = Principal
R = Rate of Interest (this should be the monthly rate and not the APR)
T = Tenure of the Loan
For calculating the EMIs in Excel Sheet, you should use this formula- PMT (rate,nper,pv). The result will come in negative or red highlight, which indicates that it is cash outflow.
The formula to be used for manual calculation is
EMI = [P x R x (1+R)^N]/[(1+R)^N-1]
Here, P stands for the principal loan amount, R is the interest rate per month and N is the number of monthly instalments. Using the above formula, you will get the same result as you got from the excel sheet.
However, both these calculations are lengthy and complicated. A simpler method is to use our EMI calculator to find out the EMI that you would have to pay per month using the above three components- Principal, Rate of Interest and Tenure of Loan.


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Popular Press
The impact of the Coffs Harbour Education Campus on the Coffs Coast regional economyCenter for Enterprise Development and Research Occasional paper
Document TypeOther
Publication Date1-1-2007
AbstractThis paper examines the economic impact of the Coffs Harbour Education Campus (CHEC) on the Coffs Coast region of New South Wales (NSW). CHEC is an educational campus which combines offerings from three partners. These are Southern Cross University, Technical and Further Education (TAFE) NSW and a Senior College for secondary years eleven and twelve. The estimation of CHEC's economic impact on the region is based on the use of a regional input-output matrix which models the industry sectors of the region and the way in which these sectors interact to form the whole regional economy. This approach allows a logical and supportable method of determining the contribution of CHEC's operations to the region's economy. The Coffs Harbour Education Campus is found to be an important economic driver within the region. The CHEC facility offers the Coffs Coast region, and particularly the community's younger members, educational and career-development opportunities which may not otherwise be readily available. However, as this paper demonstrates, CHEC offers more to the region than the opportunity for educational development. It is a significant employer in its own right and, via the economic activity which it generates, a substantial current contributor to the region's household income and value of output.
Citation Information
Fuller, D, Mason, S, Sutton, T & Wilde, SJ 2007, 'The impact of the Coffs Harbour Education Campus on the Coffs Coast regional economy', Center for Enterprise Development and Research Occasional paper, no. 5, Southern Cross University, Coffs Harbour, NSW.

subset: commoncrawl


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|News and Information about the Test of Electronics in Research & Design, Production, Maintenance, and Installation.
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Readers Top 5 News of last 30 days
Latest Test and Measurement News
GW Instek launches new Mixed-Signal Oscilloscope
28 March 2017 - The new mixed-signal oscilloscope MSO-2000 is based on the high performance software and hardware platforms of the GDS-2000E series and features a waveform update rate of 120,000 wfm/s and 10M memory depth per channel. The series includes MSO-2000E and MSO-2000EA. MSO-2000E has a built-in 16-channel logic analyzer and MSO-2000EA has a built-in 16-channel logic analyzer and a dual channel 25MHz arbitrary waveform generator.
For MSO-2000E, its 16-channel logic analyzer has a memory depth of 10Mpts per channel. The standard bus trigger and decoding functions include I2C, SPI, UART (RS232/422/485) and CAN/LIN bus for automotive communications. Serial bus waveforms can be triggered and decoded in real time. Via the waveform search function, the desired signals can be identified for analysis and debugging. The feature of converting digital signals into analog signals allows MSO-2000 to observe analog waveforms and abnormal digital signals simultaneously so as to clearly differentiate the cause of abnormal signals.
The digital channel of MSO-2000E features high signal sensitivity, long record length and high sample rate. The minimum input swing of logic analyzer represents the minimum operating voltage of ±250 mV, which demonstrates that digital channels are highly sensitive with respect to input. MSO-2000E offers complete analysis and debugging capabilities with the economical pricing.
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La Rosa Handmade Soap
Los Poblanos
$ 12.00
This beautiful soap is inspired by the historic Rose Greeley rose garden at Los Poblanos. La Rosa is a lovely scented bar that also has powerful cleansing properties. The oils of rose lend a calming quality to this bar.
Details: 5 oz. bar
Ingredients: Olive, Coconut and Palm Oils, Purified Water, Sodium Hydroxide, Castor Oil, Clary Sage, Litsea Cubeba, Rosemary and Rose Geranium Essential Oils, Shea Butter, Rose Petals
Company: Los Poblanos is an award winning historic organic farm set amongst 25 acres of lavender fields. The fields are tended by hand and harvested at the optimal time each year to yield the highest quality essential oils. Made in Los Ranchos Albuquerque, New Mexico.


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Reda is what you can call me but I don't like when people use my best large details. Credit authorising is deemed as what I do. Puerto Rico is where my favorite building often is. Fencing is undoubtedly the language this guy would like offering.
page revision: 1, last edited: 26 Dec 2015 04:13


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Many of us are forced to make tough decisions every day about paying bills, buying food, accessing medical care and stretching our household budgets. Students in the SWK 329, Organizational/Community Development class, took action this past fall and decided to help Mount students and staff who might be dealing with these decisions. Using their program development skills, students implemented The Ohio Benefit BankTM program at MSJU. This program is designed to make it simpler for Ohioans to connect with programs and resources that can make those decisions a little easier. SWK 329 students went through training and became certified Ohio Benefit Bank counselors. They can help others complete applications for programs like food assistance, child care assistance, health coverage, and much more. For additional information, please contact 244-3269.
Thanks to the following students for their work: Karen Boykins, Caitlin Hail, Samantha Hancock, Lisa Hensely, Kelsey Howard, Lisa Huff, Sterry Johnson, Erin King, Christopher McCulley, Mackenzie Money, Deborah Pope-Bullucks, and Jacqueline Unkrich.


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Dana's Low-Carb for Life (Podcast)
Well, Well, Well...
On my trip through the KFC ingredients page, I found the ingredients for their popcorn chicken. The first ingredient? Diced chicken breast meat fritters with rib meat. In other words, their popcorn chicken is not made from whole cuts of chicken breast, but from chopped up and reformed chicken. Sounding more and more like a nugget to me.
Interestingly, the McD's website list of the ingredients of McNuggets gives the first ingredient as "white boneless chicken." Since this is followed by a list of other stuff before we ever get to the "breading" ingredients, I'm guessing that's chopped or ground up white chicken, stuck back together.
- Dana's blog
- Login to post comments
What part of the chicken is the popcorn?
Found this on youtube....what part of the chicken is the nugget?
My question, like everybody else's, though, is "What part of the chicken is the popcorn?"
- Login to post comments
White boneless chicken, no
White boneless chicken, no less. I'm pretty sure all our chickens have bones, even the white ones!
And just how much meat is there on a chicken rib, anyway?
- Login to post comments


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Though marine protected area (MPA) managers realize the immediate threat of climate change to the habitats and species they manage, resources are not always available to help managers fully integrate climate information and considerations into their management decisions.
The rapid vulnerability assessment (RVA) tool presented in this document was developed to make climate adaptation planning a simple, direct, and feasible process for MPA managers to undertake, to better understand habitat vulnerability to climate impacts and the potential for climate-informed management to reduce vulnerability. It will help MPA managers evaluate the implications of climate change for the habitats of their sites.
The RVA tool has three parts: a user guide, a set of blank worksheets, and a booklet containing sample completed worksheets. Together, they comprise a tool that can help MPA managers conduct a rapid vulnerability assessment and adaptation strategy development process.
The document explains that the longer-term goal of the tool and the process is that managers will be empowered to regularly consider the implications of climate change in their work, either by revisiting and reapplying the tool, or by applying the thought process it provides. Importantly, the document underlines that users will find the tool adaptable to uses beyond the habitat evaluation it was formatted for, and that, with minor modifications, it can be used to assess the vulnerability of any aspect of marine protected area management.
CEC 2017. North American Marine Protected Area Rapid Vulnerability Assessment Tool. Montreal, Canada: Commission for Environmental Cooperation. 30 pp.


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DALLAS–(BUSINESS WIRE)–Pioneer Natural Resources Company (NYSE:PXD) ("Pioneer" or "the Company") applauds the actions taken by the United States Congress and President Obama to lift the 40-year ban on crude exports. This decision is a culmination of a two-year effort by Pioneer to educate policymakers on the benefits to the nation of removing the ban. Working with our fellow members of the Producers for American Crude Exports (PACE) and supported by numerous studies from prestigious, independent organizations across the political spectrum, the Company successfully demonstrated the positive impacts to jobs, economic growth, national security and energy security that lifting the ban would bring.
Scott D. Sheffield, Chairman and CEO, stated, "This is a truly historic day for Pioneer and the domestic oil and gas industry. Congress and the President have shown their commitment to free trade and have leveled the playing field for U.S. operators, allowing us to compete freely in the world market. While current commodity prices may limit exports in the short run, the long-term benefits are significant. As organizations such as the Brookings Institute and the Center for Global Energy Policy have stated, lifting the ban improves the country's balance of trade, creates additional jobs and enhances America's geopolitical position."
In the spring of 2014, the U.S. Department of Commerce's Bureau of Industry and Security confirmed Pioneer's interpretation that the distillation process by which the Company's Eagle Ford Shale condensate is stabilized was sufficient to qualify the resulting hydrocarbon stream as a processed petroleum product eligible for export without a license. Since that time, Pioneer has exported a significant portion of the Company's Eagle Ford Shale condensate production.
Timothy L. Dove, President and COO, stated, "After witnessing the success of condensate exports from the Eagle Ford Shale, the logical next step was to lift the ban on crude exports. We are pleased that policy makers on both sides of the aisle engaged collectively on this issue. Energy policy should not be a partisan issue in this country, and we are especially thankful for the work of Senators Murkowski and Heitkamp and Congressmen Barton and Cuellar. Their leadership was critical in getting this important decision right."
Pioneer expects to have the ability to physically export crude by the middle of 2016. The Company has been actively working with its midstream partners to secure export facilities along the U.S. Gulf Coast, which will maximize the Company's crude marketing flexibility going forward. Europe, Asia and Latin America are potential markets for U.S. crude as countries from these areas would realize economic and security advantages by diversifying their sources of supply.
Pioneer is a large independent oil and gas exploration and production company, headquartered in Dallas, Texas, with operations in the United States. For more information, visit Pioneer's website at www.pxd.com.


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DURoC Pork
Our DURoC Pork starts with a superior line of hogs that have been specifically bred and raised to the most exacting standards. Each pork cut is then carefully selected to be the very best of the best. This process results in the highest-quality, most flavorful pork products you can serve your customers.
Find out how our Smithfield line, the platinum standard of pork products, can create a signature menu for you.more info
Featuring a comprehensive product portfolio, Farmland is the pork that operators would be proud to serve their families.more info
High-quality primal pork products makes Smithfield Farmland?셲 conventional pork product line fresh and all natural.more info


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Once Again, People Who Work In Animal Shelters Make Humanity Look Just A Little Less Dreadful
Posted in News
Microchip your pets, people! Two and a half years ago, some degenerate oxygen thief stole a puppy named Rihanna from the porch of her home in the Bronx. Anybody who's lost a pet understands the incomprehensible fear, heart-pummeling agony and guilt that comes with situations like this, but go figure, Rihanna turned up in Stratford,


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Educational Technology
Follow us
We promote and support the integration of technology into teaching and learning through PD programming, policy development, the administration of state and federal funding, and strategic planning.
This site serves as a landing page for Educational technology resources to support the districts in Connecticut.
Project Tomorrow
Accessible Materials
Future Ready
Technology Planning
ERate Central
ERate- National Information
Form 486
Form 471
Form 470
Documents | FAQs
Welcome to the Connecticut E-Rate Site, designed to help Connecticut schools understand the purpose, scope, and application process of the federal universal service fund, commonly referred to as "e-Rate." Here you will find links to resources in Connecticut and to the
Schools & Libraries Division (SLD) website
Time to Get Started for Funding
Funding cycles for the E-rate program come and go very quickly with all the other things schools and districts have to consider on a daily basis. Consider planning for the next funding cycle in advance. Consider these
Ten Rules for E-Rate Success
from E-Rate Central.
E-Rate Central
is a useful website for keeping up with e-Rate news, understanding the forms, and other nuances to the program. We encourage you to sign up for their weekly newsletter.
E-Rate Manager
is an online e-Rate compliance tool useful in managing E-rate applications, tracking deadlines, and such. A great deal of basic eRate info is available on their site.
Technology Planning for e-Rate
from the Schools and Libraries Division provides insight on how to develop an effective technology plan and provides information on the required elements of the plan.
Connecticut has been an active participant in the E-Rate Program since its launch in 1998.
The Connecticut Department of Education has consistently provided process support and training to Connecticut School Systems who choose to apply for discounts available for telecommunications, Internet Access and Internal Connections. Over the past five years,
Connecticut schools and libraries have received over $175 million in funding awards for these services used to support and build Local Area Networks, Wide Area Networks, Internet Access/Broadband, and other Telecommunications services identified as eligible services by the FCC.
The E-Rate section provides support for:
Development and facilitation of the Data Use and Governance Policy and procedures.
All sections with respect to the reporting of external data to ensure data is meaningful, accurate and is Family Educational Rights and Privacy Act (FERPA) compliant.
Office Phone: 860-807-2116 Office FAX: 860-807-2196
Joe Campbell, Coordinator
[email protected]


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Price Of Failure lyrics
Many men wish failure on me
Run from my life until I can't breathe
Tryna be everything that I'm destined to be
And they just tryna take my hype away
Got my mind on my money that's why I can't sleep
Fallin' off is an option I know I can't see
I'm chasin' after G's cause this life ain't cheep
And failure's a terrible price to pay
Many men
Ma-a-a-any, Ma-a-a-any
Wish the worst on me [x4]
Major Pain
I hope your money senior citizen ain't what that statutory
I talk and walk that walk to that infinite path to glory
You met someone that said they knew me and had a story
You mean someone that's in my no mentioning category
I don't give major energy to really minor people
I give them the Major Pain and then I hit them with the sequel
Your weapon isn't equal to my loaded Desert Eagle
Move forward cause limp backwards is equivalent to evil
And I'm no Beanie Sigel but you never was my people
Cause if you was my people then you'd know I'd always beat you
If that's the cost of fame, look like my pockets is receipt full
Cause I didn't pay the cost to see so many turn deceitful
Look what I did, and all of it was fo' scrilla
I turn these young boys to monsters, no thriller
E N E M Y, no foe illa
A hoe, I just fo-fo-fo-foget her
Eyes turning real wide when I'm approachin' her
Weapon in my Chinchila, coat killa
Got a Chinchilla case for towin' my heater
Took a picture of my pistol then I show it to Peter
Ain't walked in my shoes then I don't owe you an Adida'
Matter fact I don't owe the strap on the toe of a beela
I'm a over achiever, I'm a over believer
I will blitz for the chips and then elbow your receiver
Did it once and I see you want me to show I repeat a lot of my past but I'm past done on my owin' you meter
Many men wish failure on me
Run from my life until I can't breathe
Tryna be everything that I'm destined to be
And they just tryna take my hype away
Got my mind on my money that's why I can't sleep
Fallin' off is an option I know I can't see
I'm chasin' after G's cause this life ain't cheep
And failure's a terrible price to pay
Many men
But hell
What is success without failure?
How did I succeed when the teacher said "I'm gon fail ya."
Well, I know I'm gon tell you principal can't expel ya
You call it a bribe but I'd rather call it a helpa'
The location is down in Houston
And I'm so sick and tired that business can get confusin'
See your intuition told me to get in an institution
My intuition told me to get me some sick producin'
Spit is sick like pollution
I got the smartest mouth
What is yo college bout
In the world there's a smartness drought
Yeah, I'm a call 'em out, I evolved in a slaughter house
Slaughter your Atacama is the words from Obama's mouth
Feelin' all on your spouse, You live on your momma's couch
They told you that money talks, while your dollars are not announced
Ain't got a lot a ouch
Look at the wall
15's beatin' so hard that my plaques start to fall
Look at former friends, smilin' and plotin' to see me fall
I miss a step and fall and still be 10 flights higher than ya'll
(Hold Up)
Ku Klux Klan to a black man hype
If you got fire they gon' see it and try to take yo life
They ain't take my knife
They can't take my righ(t)-
Ffle, I got it cocked and loaded so just take that snipe
Tired of fools with rules that spell lose
Insubordinate as ever my rules just spell cool
Choose, do what you wanna do
If you wanna cause if you don't do it nobody but you really gonna
In a society where you can choose marijuana
And a women named Stephanie will choose to marry Wanda
And a male won't tell that he would rather pick a brother
Don't want the world to discover his male significant other
Undercover lovers infectin' the industry
And even undercover others that give you the ministry
I know that I ain't perfect I know I'm a sinner G
But I'm hopin' if you listenin' you feelin' my synergy
Many men
So ma-a-a-any
Wish the worst on me
Wish the worst on me
Till I bring that Major Pain


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No Credit Refunds will be given to cancellations made less than ten days prior to the activity as catering arrangements have already been made. A replacement is acceptable at no extra cost.
While the material contained in this publication is based on information which the Property Council of Australia (including its Directors, officers, employees and agents, hereafter referred to as the Property Council) understands to be reliable, its accuracy and completeness cannot be guaranteed. This publication is general and does not take into account the particular circumstances or needs of any person who may read it. You should obtain independent advice from suitably qualified consultants and professionals before making any decisions in relation to the contents of this publication. The Property Council is not liable and accepts no responsibility for any claim, loss or damage of whatever nature suffered by any person or corporation who relies or seeks to rely on any information, advice or opinion contained in this publication, or otherwise given by the Property Council.


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By: Gonzalo Baeza H
I saw someone using a payphone the other day. I figured he was just trying to get a clever Instagram shot in hopes of being on a sponsored AT&T post. Nope — he was actually making a call…or making a fake call to avoid an ex-girlfriend. (I'm not sure those things are even connected anymore.)
Regardless of his reason, the fact that this seems striking is because it's so out of place. As processes catch up to new technologies, we either abandon the old version (like the payphone), or we merge the old and the new, like an e-magazine. But some processes take longer to catch up to the technologies now fueling them.
Consider, for example, the way we choose who we do business with (personally and professionally). In most cases, not much has progressed in 20 years. We're still looking through directories, flipping through flyers, or at the very most, perusing the online version of them. Beyond that, we're still relying on word-of-mouth recommendations from our friends.
Up until five years ago, that meant that backyard, over-the-fence word of mouth was still king, and any business with hopes of survival relied on those "Bob told me you do great work" phone calls. Now, we're all neck-deep in social media. Most of us are connected with many more people than we actually know, and rather than facilitate word of mouth, this can actually complicate it.
For business owners, that means it's both easier and harder than ever to get genuine, socially driven recommendations. It's not just about more likes or better reviews, either — here's why:
- Fake reviews are everywhere. With lots of controversy in the news about purchased book reviews and the inability of most sites to prevent anonymous accounts, experts guess that at least one-third of all online reviews are forged. So, don't believe the reviews you're seeing, unless you know the person reviewing. Some local user review sites facilitate this to an extent by letting you follow other reviewers.
- Facebook likes or Twitter followers don't equal a recommendation. With most businesses constantly running contests through these social media sites, and the number of ways to skew Facebook's "like" system growing by the day, consumers need to be wary of equating seemingly high popularity to quality. Instead, pay attention to the brands your closest friends or colleagues interact with — cultivating lists can be a preliminary way to sort through the noise.
- If you're a business, no one is searching for your service on social media. Most businesses at this point have a Facebook page. But if you consider how consumers search for things, how many are likely to type "landscaper" or "attorney" in the Facebook search bar? For the most part, you still have to establish word of mouth before you can use these sites as new customer acquisition channels.
- Publicly asking your friends who they do business with may cloud your next move. I don't know about you, but if I posted something on Facebook about needing a golf coach, house cleaner or new hair stylist, I'd get crushed with witty and unhelpful comments from my friends — or worse, they'd volunteer to help, which I don't necessarily want. You still don't know who they actually hired, or would hire, to do the work for them. (Groups — whether on LinkedIn for professional advice, or Facebook for personal references, to name two — might be a more targeted, if still imperfect, way to acquire smarter information.)
Ultimately, that's why I created www.youneedmyguy.com - to create a platform where you could see who the people you're connected with actually choose to do business with (without sending an email to everyone you know, or taking it to a public forum). If you're a service provider, you can show your prospects how they know your current clients. It's all about giving consumers an opportunity to make better decisions about who to hire — modernizing word of mouth, if you will.
In his 2011 Keynote Speech at Inc's 500 Seminar, Gary Vaynerchuk talks about how we say things on social networks that we never would have picked up the phone and told our friends. "Word of mouth is the currency, and now we have the infrastructure for word of mouth to be on steroids."
There's so much more we can do to take advantage of that infrastructure, but we're just now starting to dream up how. What about you — how are you taking advantage of social media's power to change who does business with YOU?
Joe Cassara is founder and CEO of You Need My Guy, the best way to organize your referrals and recommendations online. He also serves as Managing Partner of Harvest Ventures, an early-stage venture-funding firm, and Mentor of StartFast, a venture accelerator out of Syracuse, NY.
The Young Entrepreneur Council (YEC) is an invite-only nonprofit organization comprised of the world's most promising young entrepreneurs. In partnership with Citi, the YEC recently launched #StartupLab, a free virtual mentorship program that helps millions of entrepreneurs start and grow businesses via live video chats, an expert content library and email lessons.
Read more posts on Young Entrepreneur Council »


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Everything was pretty smooth until I got to trying out the SmartView integration with OBIEE. I came across a situation that noone had experienced out there, or at least blogged about. The desciption is: open up SmartView and Create a Private connection, then select the OBIEE Provider.
Unfortunately, all I saw was what you can see below: the Oracle BI EE provider was missing:
Something was off. So I tried out a bunch of this, like using the Smart View HTTP Provider and entering the url for the OBIEE provider, but this didn't work. I was sure that all needed services were installed, though, because I was able to access the url for the OBIEE provider without an error.
Since the private connection didn't work, I tried out a Shared Connection without success. I followed the step in the Smart View User Guide for version 18.104.22.168.310 and saw the option about Accessing Shared Connections from an XML File. I followed the steps explained in there, used forward slashes instead of backslashes etc., but it did not work - because my SmartView version wasn't up to speed.
As soon as I had upgraded Smart View to version 188.8.131.52.310, everything was working fine. Both the OBIEE Provider was available as well as the setup via the local XML file for the Shared Connections worked. I really like the Shared Connection option which I was able to implement using the following SmartViewProviders.xml file which contains providers for Essbase, Financial Reports and OBIEE:
<?xml version="1.0" encoding="UTF-8"?>
<Product id="APS" name="APS-11.1.2" displayVersion="184.108.40.206.200">
<Server name="Oracle Hyperion Provider Services"
<Product id="RAFramework" name="RAFramework-11.1.2"
<Server name="Reporting and Analysis Framework"
<Product providerType="ExtensionProvider" name="OBI EE-220.127.116.11"
<Server name="Oracle BI, Fusion Edition"
After referencing this file as my Shared Connections URL
I can now see the following drop-down list of available Shared Connections in the Smart View panel:
After selecting Oracle BI, Fusion Edition, I am able to select the content that I'm interested in from the BI Presentation Catalog.
If you run into the same issue as I did, just upgrade Smart View to 184.108.40.206.310. Enjoy the new OBIEE Integration with SmartView.


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Informative Ways of Hiring a Reliable Web Design Company
Most of the business that we have today uses the internet as a major platform for marketing their products. The main reason as to why the internet is widely used in marketing is because the process is very convenient when used in the business. For your business to operate online, you need to have a business website that you will use to facilitate the process. The website will only operate effectively when it has the best design which is an important factor.You should, therefore, ensure that your business website is well designed to ensure that you get the best operation in the market. You can decide to hire a company which will offer you with the web design services when you need to have an effective website. The only problem that you will face is choosing the right web design company because many of them are in the market. There is a list of aspects which you will consider when finding the best web design company which is an advantage. The below are the consideration you should make when hiring a web design company.
The first factor that you need to put into consideration is the experience of the web design company. Looking at the images of the website which the company have worked on is the best way to know the skills and proficiency of the company. Take note of the web design company which will present you with and an impressive portfolio of the work that they have done before which is essential.
The second factor that you need to consider is the rates at which the company demand the web design services. All the web design companies have their rates at which they value their services which you need to choose the best one. The type of services offered by the company will determine the amount that you will pay for their services. Therefore, consider the company which offer the best quality services at affordable prices.
The third tip that you need to put into consideration is the customer services offered by the design company when you need the best one to hire. The customer services will determine the type of services the company will offer you when you hire them. Hire the web design company that have shown good customer services to help you out with the web design services.
The reputation of the web design company is also a factor that you need to consider when hiring the best one to use. To be sure of the reputation of the company, you need to check if the company is registered.
What Research About Websites Can Teach You


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Mazel tov to the Boys Varsity Volleyball team
Mazel tov to the Boys Varsity Volleyball team (14-0) for winning the 2016 ISBVL championship. In the championship game, the Cougars defeated Spencerville Adventist Academy 25-23, 25-13, 21-25, and 25-17. Daniel Fleisher dominated the Cougars offense with 24 of 29 hits and 9 kills. Ariav Starr was 14 of 19 with 7 kills. Matan Friedman was 12 of 13 with 5 kills. The Cougars were 87 of 93 serving. Edan Friedman, who replaced an injured Isaac Betaharon, was 23 of 24 with 3 aces and led the team on blocks with 7 good blocks. Liel Hayun was 10 of 11 with 2 aces. Daniel Fleisher was 11 of 11 with 1 ace. Jonah Pinchot was 13 of 14. Yonathan Magendzo was 8 of 9. Ayden Stone was an effective passer in the back row.
Thank you, Coach Achhammer, for an amazing season.
Visit our Facebook page to see more pictures.


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UNIVERSITY PARK, Pa. – Most Army ROTC seniors don't know what and where their first official assignment for the U.S. Army will be until close to their college graduation. Penn State senior Michael Miller of Macungie, Pa., does. The secondary math education major was ranked seventh among 5,643 Army cadets on the nationwide Order of Merit List. Cadets ranked in the top 10 of their national graduating class get to choose their future. Miller chose to work as a signal officer, and will most likely be stationed just outside of Augusta, Ga., at Fort Gordon.
According to Mike Johnson, spokesperson for the U.S. Army Cadet Command, graduating Army ROTC candidates are ranked annually from one to however many are in the senior class nationally, on the basis of academic performance, performance at the Leadership Development Assessment Course -- taken by all Army ROTC cadets during the summer between their junior and senior year -- performance in the ROTC course, training and leadership activities and performance on the periodic Army Physical Fitness test. Only the top 10 ranking Army ROTC students are guaranteed the position they requested. According to Johnson, cadets become signal officers, infantry officers or military intelligence officers.
"This was a huge surprise," Miller's Master Sgt. Guy Dukes said about Miller's ranking. "Cadet Miller is a solid student, a good cadet, probably our top cadet, but still, you're talking about the many universities across the country that have ROTC programs. There are the MITs, the Princetons and the Harvards that you would expect to have higher-ranking students. Mike Miller did Penn State very proud."
Miller himself had no idea how well he'd rank. Based on the calculations used to rank cadets, Miller knew he did well but was shocked to learn he ranked in the top 10. His parents were delighted.
"My parents knew the ranking was supposed to be out soon and kept asking me how I'd done," Miller said. "It was released a little later than expected so when I finally could tell them how I did, they were ecstatic, they were glad to know I'd get the job I wanted."
Miller, who comes from a military family -- his dad, uncles and younger brother went to West Point -- said his decision to join the Army ROTC program at Penn State wasn't just because of his family, but because he appreciates all the freedoms he has in the United States. He wants to continue to protect those freedoms. Working as a signal officer, Miller will help control the Army's communications -- Internet, radio, telecommunications -- making sure the lines are smooth and fluent, an imperative key in any successful Army mission. Miller's education at Penn State will come into play in his assignment as well; math is an important component for the field.
On Dec. 16, when Miller is commissioned, he will become 2nd Lt. Miller and will be pinned with a gold bar, signifying that he is officially a military officer. His parents and brother will be in attendance. He will graduate from Penn State's College of Education the next day.


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A policy variation typically involves an addition or reduction to a policy's current premium. Extra commission or claw-back may result from this, and a new set of compliance checks may be required. A variation cannot be created unless a basic policy record already exists. Variations are not pre-determined at the outset of a policy, so are quite different from premium increments (e.g. for a "Low Start" endowment).
To add premium increments to a policy (e.g. for a "Low Start" type) see "Life, Premium & Increments".
To view existing variations in your scrolling list of all policies see "Policies, Filtered Views". You can also view them from the scrolling list of policies by clicking the "Signpost" button, followed by "Life / Variations / Display / All policies".
To create a "Variation", starting from Durell's Main Menu…
On the following "Variation Compliance" dialogue…
On the following "New Variation" dialogue enter a reason for the variation (e.g. "Premium increase") then click "OK".
After this you'll be presented with a standard policy screen, into which you should enter all of the variations details as if it were a normal policy, using the black "Curve-Right Arrow" button to move through the investment and commission screens, as required.
Once a variation exists for a policy, a tick will appear in the "Varied" field towards the middle right of the "flat view", as shown above. If you click on the ">" button to the right of this tick you'll be presented with a list of all the variations, as shown below….
Clawback is simply indemnified commission (i.e. paid in advance by the insurer) that has to be refunded, typically because of either a reduction in premium or early termination (e.g. lapsing a policy). In any event, to refund commission you simply create a variation, as described above, with a NEGATIVE amount of indemnified commission (e.g. minus Ł500.00) and post it to the accounts as normal, where it will then appear as a Sales Credit.


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Forestry encompasses the planning and management of natural forests and woodlands, plantations and agroforestry through the practical application of scientific, economic and social principles. Sustainable management of forest resources requires both short-term management of variability and the ability to plan for the long-term sustainability of forest ecosystems.
ANU is ranked number number 20 in the world for agriculture and forestry1. Our Fenner School of Environment and Society cultivates research-informed students who are able to draw on diverse disciplinary perspectives underpinned by our three foundations: environmental science, policy, and management. You will have the opportunity to develop a strong suite of career-relevant skills by working with stakeholders and applying what you have learnt in the field.
Our forestry degree programs offer flexible, advanced learning to develop your knowledge and skills in forestry and the forest sciences and their relationship to other land management disciplines. The broad scope of the program reflects the diversity of perspectives needed for effective forest resource management, and the choice of courses within forestry subdisciplines develops your knowledge in either the science and methods, or policy and management aspects of forestry.
Career opportunities
Our graduates go on to careers in forestry and natural resource management and science. Roles include foresters, rangers, technicians and a range of consulting roles in the government and private sectors.
1 - QS World University Rankings 2018


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Publisher: Image Comics
Publication Date: February 22, 2017
Source: Bought/ Own
Goodreads Synopsis:
Maika confronts the ghost of an evil thought long dead…and discovers crucial answers to her past…
Previous Reviews - Catch Up!
I am still loving these comics and this story. In this installment, Maika makes it to the island where no one normally returns but she is a clever girl and might have found a way around that issue. While Maika makes it to her destination, this book was mostly a filler episode. There was not a lot of action, however are are slowing gaining more insight into Maika's past and her mother.
Like always the art in these books is wonderful, and in this issue also a little creepy - it really sets the stage for the island and what may happen while our characters are there. I very much enjoyed it and can't wait to pick up the next one.


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Daryl Hannah Launches New Weekly Eco Vlog: Dh Lovelife
She has friendly chats about biodiesel with Fox's venomous Bill O'Reilly, was the keynote speaker at this year's Natural Products Expo West, helped kick off World Water Day in Rwanda, and has been conducting clandestine missions to far away places freeing young girls from human trafficking rings. Superhero? There is that possibility. One of the newest tools in Daryl Hannah's utility belt is dh lovelife, a weekly video blog that highlights colorful stirrings in the green community. Each weekly installment tackles broad issues in a brief format that is easy to swallow and assimilates well.Rather than trying to blow the minds of greenie insiders, Hannah is looking to bring pressing issues and creative solutions onto the radar of the ecologically unaware or inactivated. "I would like this to speak to everyone who is vaguely interested in a healthier lifestyle but doesn't know much about it," Daryl says, "people who think it's scary, people who are interested in alternatives but don't know where to begin." Dh lovelife picks up enticing topics like vegan junkfood pioneers and a pro skateboarder with a passion for organic farming. Daryl Hannah loves life. We love Daryl Hannah. Everything just might turn out alright. :: dh lovelife


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Arsenal and Manchester City are reportedly ready to battle for Real Madrid playmaker Isco, as the Spanish star is unhappy about his lack of opportunities at the Santiago Bernabeu and is considering a move away at the end of the season.
Isco was already close to joining City from Malaga last summer together with his former manager Manuel Pellegrini. However, a call from Real Madrid's officials when he was set to move to the Etihad Stadium scuppered the deal and he instead decided to move to the Santiago Bernabeu.
The Spanish giants paid £25m to secure his services but he has struggled to secure regular place at Los Blancos, and according to Marca Manchester City are ready to take advantage of his unhappiness to make a new summer bid for his services.
Meanwhile, Metro reports that Arsenal are also in the race for the talented Spanish midfielder, as Arsene Wenger is looking for a similar player, having targeted Schalke star Julian Draxler as his main summer acquisition.
Isco is considered to be one of the most prolific Spanish players, especially since last summer when he led his national team, alongside Bayern Munich's Thiago Alcantara, to the Under-21 European Championship victory.
He excelled at Malaga, scoring nine la Liga goals and helping his team to reach the quarter-finals of the Champions League in his debut in the competition. Although he started in impressive fashion at Real Madrid and quickly a fan favourite, he has since lost Carlo Ancelotti's confidence and has not featured at all as a regular in La Liga since last November.
Isco scored four goals in the first five La Liga games but then Ancelotti changed his team formation to find a place for Gareth Bale in his line-up and Isco was relegated to the bench.
Cristiano Ronaldo, Gareth Bale and Karim Benzema are the immovable attacking trio at Real Madrid and with Luka Modric and Xabi Alonso established in midfield, Isco's fortunes is unlikely to change.


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From our Vecchia Deruta collection, we bring you this Vecchia Deruta Italian ceramic mug. Made in Deruta, Italy, famous for Italian Majolica Ceramics and Pottery. This 10 oz. handmade hand painted authentic Vecchia Deruta mug measures 3.5" in height x 3" in diameter.
With every ceramic shipment, you will receive information about the history, making and care & usage of this hand made handpainted authentic Italian ceramic.


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Even though I've written before about social media narcissism and the echo chamber and how they lead to blogger burnout, I still found myself wanting to take a break from blogging (on a regular basis). But the blogging itch never went away; I just got really busy and never really found the time to get back into it. Now I've decided to ramp it up again; here are some ideas that helped me and may help you too.
Continue reading "How to Get out of Your Blogging Hiatus, Funk, Sabbatical, or Whatever You Decided to Call It"
How to Get out of Your Blogging Hiatus, Funk, Sabbatical, or Whatever You Decided to Call It
Shey's MonthCap – 09/08
Yes, I'm still alive — I've just been overloaded with many projects recently so my blogging has been non-existent for the past 4 weeks. To be honest, it will probably be another 3 weeks before I get back on it as I'll be going a way for a couple weeks in October.
However, that doesn't mean I stopped reading! To make up for my absence, I'm including links to some key articles I've read in the past month so you can read them too. Hope you find them as interesting as I did!
Social Media Narcissism
When going through the process of adding / friending / following in social media, we often look for a common characteristic in our 'friends'. These characteristics can be anything, from the love of tech, design, political affiliation or religion or any other type of culture. Why do we do this? It's an attempt in the perpetual battle of finding the the signal amongst the noise, but on that journey, are we falling prey to too much narcissism?
I Chose The Echo Chamber
After reading a recent post by Steven Hodson it made me think some more about the dreaded 'echo chamber' and its effects. In my opinion, the echo chamber is what you make it. Chances are you've isolated yourself on Twitter, or FriendFeed, or dare I say, even Facebook. This is understandably so, we have only so much time to
waste spend online and it becomes increasingly difficult to keep up as technologies advance and networks grow.
Frienderati: Making it Easy to Find Popular Inactives
Guy Kawasaki has recently come up with a new Alltop list of FriendFeeders called Frienderati. It's very unclear as to how this list was generated; but one thing's for sure — it wasn't based on how active they are. Tony Hung doesn't get it either.
Continue reading "Frienderati: Making it Easy to Find Popular Inactives"
FriendFeed Participation Levels
FriendFeed is a great service for finding and sharing information and generating discussions. However, not all users are equal when it comes to their level of participation. I'll show you what I mean by looking by looking at where comments are being made and what their objectives are.
Comment Portability: The Commenting Standard of the Future
Disqus, IntenseDebate, and SezWho. 3 commenting systems that currently don't work together, but here's how they could.
Continue reading "Comment Portability: The Commenting Standard of the Future"


text: I have been reading Adapt: Why Success Always Starts with Failure by Tim Harford. One of our supporters, who had been personally involved with several authoritarian groups, sent the book to me. She had been intrigued by Tim Harford's idea of being blinded by the will. The blinding of a person's will happens when he or she has fully invested themselves into something which turns out to be a terrible mistake. Not willing to accept … Continue reading


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Facebook is set to go public, and Mark Zuckerberg - the "brat tycoon" behind the social network - is about to become a very rich man.
The Social Network made Zuckerberg seem like a ruthless entrepreneur, but in reality, he's as much of an awkward, camera-shy programmer as he is a cut-throat visionary.
In fact, the Zuck has gone through a lot of awkward moments since he was thrust into the spotlight for creating Facebook.
Find out for yourself just how awkward Zuckerberg can be and watch our video below filled with awk-berg moments:
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