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Procure your Goods by Taking a Proper Financing Option


The projected growth of India’s economy according to IMF is supposed to be around 7.80% in this fiscal year, a number which is immensely influenced by the rising number of startups and MSMEs in the country.
Currently, the number of registered and unregistered MSMEs functioning in the country goes well beyond 40 million, boasting of employing around 40% of India’s workforce.
       More than 106 million are directly or indirectly employed by the MSME sector in India.
Channel financing
This is a structured financing solution that is offered to business enterprises which require working capital. In channel financing, the partner businesses are directly financed by the lender so that the working capital needs are effectively covered.
Under this option of financing to procure goods and maintain business workflow, there are 2 major options. Note that these lines of credit are quite distinct from standard business loans.
       Vendor finance: In this financing option, the vendors or suppliers provide a loan to their customers, which is the concerned business under these circumstances. The loan is then used by this business to purchase the supplies from the vendor. Also known as trade credit, this form of financing is basically a loan from the vendor which is deferred.

       Dealer finance: Also known as an indirect loan, in this type of channel financing, the dealer offers a loan to their customers. The loan is then sold to a third-party financial institution that collects the loan along with its interest.
Invoice financing
As the name suggests, this type of financing allows a business to procure a line of credit against the due invoices from different vendors or clients.
There are many businesses which have to maintain the supply of their product with their bill only to be settled later at a fixed date.
Invoice finance helps such businesses since it provides them with working capital to optimally finance their supply chain even if the invoices from already completed deliveries are not cleared yet.
Working capital loan
Working capital is the financial requirement of an enterprise which is necessary for it to maintain its production chain.
Typically short-term loans, many financial institutions offer these schemes to businesses and startups to help maintain their immediate financial needs.
These lines of credit cannot be used to upgrade equipment or expand a venture and must be used to fulfil working capital needs.
A major advantage of these loans is that they do not have any collateral and lenders usually approve them very promptly. Business owners should learn how to use working capital loans to strengthen their business so that they can maximise their benefits.
       Accounting for roughly 16% of lending by financial institutions, the growth rate of MSMEs are approximately 10%.
Business credit cards
Business credit cards are offered by select few financial institutions to help businesses cope with sudden financial needs.
While such cards may not be a great option to regularly maintain the working capital requirements, it can be a very effective option if a business has fluctuating needs every month.
While such needs can be effectively dealt with invoice finance options too, business credit cards also allow an entrepreneur to spend on other necessities.
These cards can also help in building the CIBIL score of a business. In turn, this can help the business to avail higher loans to aid them during expansion or upgrades.
Business loans
Business owners can always opt to avail a business loan instead of options like an invoice or channel financing. These loan schemes are offered by many financial institutions. However, it is unwise to avail such a loan unless there are some additional financial needs as well.
Since they offer higher amounts, these loans have longer repayment tenors too. The loan amounts can go up to Rs.30 lakh, making these loans a viable option for upgrade financing and other needs along with that of mass procurement of goods and raw materials.
Typically, these loans are approved promptly by financial institutions within 24 hours of application. Reputed NBFC Bajaj Finserv even provides pre-approved offers which make the application procedure easy and fast for business owners.
       Currently, fixed assets of MSMEs in India are estimated to be more than Rs.1.4 lakh crore.
The different lines of credit discussed above are effective in providing the working capital necessary to purchase goods. Be it a business loan, channel financing, or any other option; it is important for entrepreneurs to also check the benefits offered on these schemes.
This includes the numerous tax exemptions which must be checked by every entrepreneur. Consequently, be it big or a small business owner, tax-saving tips should be checked by all to reduce their expenses.

Firearms in Some Other Countries of the World


In our country we are in a long struggle with pros and cons about the possession of a firearm for the good citizen and whoever is in the middle knows what we are talking about.

And while the good citizen waits, let's go to some curiosities from around the world.

Argentina

Citizens are empowered to carry a weapon and AK 47 loader through shooting training, tests and psychotechnical tests. Every two years, the qualification is renewed, with the realization of the psychologist. The law severely restricts use. Despite this, there are some fraudulent qualifications that increase the number of weapons in circulation.


Australia

Since 1996, the sale of semi-automatic weapons has been banned and the concession of possession of a weapon has been restricted.

Canada

Automatic and semi-automatic weapons are prohibited. To buy a gun, the citizen needs to undergo training and present a document proving that the spouse agrees.

United States

States are autonomous to legislate on the subject. In some states, such as Massachusetts, the sale and possession of a weapon is prohibited. However, in the majority, the use and sale of personal weapons is permitted. In some states, the debate is over the proposal to limit arms sales to 20 units per person. If the user wants more than that, he will need a special license.

France

Weapons for personal use are prohibited, only hunting weapons are allowed.

Jamaica

The purchase and possession of any type of firearm or ammunition by civilians was prohibited in 1974.

Japan

The sale and use of weapons is prohibited.

Mexico

The law allows Mexicans to have weapons at home, but the Secretariat of Defense does not grant permission for manufacture, possession or carrying.

United Kingdom

The sale and possession of weapons is prohibited. Only hunting weapons can be sold and used. Legislation on personal weapons became more stringent in 1996, when Thomas Hamilton invaded an elementary school in the Scottish town of Dunblane and murdered 15 children and a teacher. Even the practice of shooting sports is prohibited, and the team representing the United Kingdom must train in neighboring countries.

Switzerland

There are no restrictions on arms sales. Every reservist keeps the armament received from the Army at home.

If you have the desire to start this practice, but do not even know where to start, participate in the club by taking shooting trainings.

Here you can take trainings at basic, intermediate and advanced level, where you will learn everything you need from the main concepts to the different existing techniques. 


Go Green with these beautiful gifting ideas of indoor plants!

Do you want to give someone a gift that is unique, useful and can give a refreshing feeling every day? Then, how about gifting a beautiful indoor plant? The gift of a plant is really amazing, as it grows every day and makes the recipient think about you every time they see it, or water it. In addition to all the emotional and sentimental attachment with the gift of plant, a plant is always a better option to decorate home, get the freshness of the lush green leaves, acquire medicinal values, and get purified air at home. Some of the plants are also considered auspicious and lucky for the home. So, if you are planning to give a special surprise on someone’s house warming, baby shower, thread ceremony, or on festivals like Diwali, Holi and even on birthday or anniversary, then the option of a green gift will never let you down. This kind of gift will stand out in the crowd of gifts and leave a special impression on the recipient. Some of the best-buy options you can find from the market are:


Syngonium: Syngonium is one of the most loved indoor plants. It can grow very fast and needs minimum care. It requires moist soil, not much watering. This plant doesn’t only add beauty to space but also purifies the air by removing toxic substances. Buy varieties of Syngonium plants along with beautiful pots from MyFlowerApp’ store and gift it to your loved ones to let them breathe some fresh air at home. In some parts of the country, it is mandatory to have an air purifying plant at home. For example Delhi NCR. In such cities, avail of the option of online gift and flower delivery in Delhi to send your loved ones the gift of an air-purifying plant who lives in there. 

Good luck bamboo: This one is a commonly bought plant that is found at almost everyone’s home. this plant gives the desk, table or any corner or shelves a better look with its lush green color. It is considered very auspicious and can also grow easily when the water is changed at regular intervals. Gift this plant along with a bouquet or a cake and please your loved ones. This can be a gift option for festivals and special occasions as well.

Money Plant:  Also known as Pothos, Devil’s eye, and Silver Vine,this plant is bought and kept at almost everyone’s home. Money plant is an all-rounder among indoor plants. It is believed to be lucky when kept and grown at home, brings happiness and wealth, enhances home décor, needs less maintenance, and is famous as a very good air purifier. Buy a money plant to keep at your home or gift it to your loved ones and let them have purified air and loads of good luck.

Sansevieria or Snake plant: Commonly known as the Snake plant, Sansevieria is known to be an excellent air purifier. This plant also enhances air quality and requires less maintenance. It comes in many forms according to the leaf size and shapes. But all the variants look beautiful and help in air purification. A Snake plant is a must-buy for those who need air purification at home with less or no experience in gardening. It can be gifted to your close ones who love gardening and decorating home with plants.

Spathiphyllum (Peace Lily): Very easy to grow, a Peace Lily tops the list of air-purifying plants. This is an evergreen flowering plant that requires no maintenance at all. Peace Lily potted plants can be gifted to your close ones to share auspiciousness, harmony and joy.

Why Buying a New PC or Laptop is Loosing Its Appeal


There are so many software programs out there today that claim they will speed up your computer. Many of them are actually free applications, but just because they are free doesn’t mean there isn’t an upsell. It is much like anti-virus software. You can get the software for free, and it will, to a certain extent, keep your device virus free, but there are certain features they try to entice you into buying to get that added protection.

Well, many of the software programs out there designed to speed up your PC are exactly the same. They get rid of junk and even claim to fix registry problems. 

But, if you want your PC to run optimally, then the software company will upsell you their added features. Once you buy that feature, you are beckoned to purchase another feature and the saga continues. Half the time the software does its job for a certain amount of time, but then it just doesn’t help.


There Is A Hardware Solution Out There To Solve All Your Problems

Unbelievably there is, in fact, a hardware stroke software solution called the xtrapc. This is a device that you can plug into your computer and it will literally transform your PC to its former brand new superfast self.

 The best part of it all is that this solution is more cost effective than having to pay a monthly or yearly fee for software that supposedly speeds up your computer.

Xtra-PC Is A USB Stick That Speeds Up Your Computer

This device could not be simpler to use. You need absolutely zero technical ability except for being able to know where the USB port is on your device (a little joke I thought I would throw in).

All you need to do is simply plug it into your device, follow the instructions on the screen that will guide you through the setup, and you are away. OK – so I forgot to mention you also need to know how to use a mouse and keyboard 

The device will then give you your old speedy system back using a Linux OS via your old Windows system. 

You will have access to all your old applications and files. Not only that, your access will be at superfast speeds. Therefore, if you were thinking about buying a new laptop or PC or you simp0ly do not have the budget to buy a new laptop or PC, then this device is honestly the perfect solution for you.

Anyone that wants to speed up their device and access to their files should consider using the Xtrapc device. It is the perfect excuse not to purchase a new PC or laptop, and it is also in a way an upgrade of your current machine because you will be using less Ram and processing power using the Xtrapc device with a Linux OS.

On top of this, you get to discover why Linux has become one of the most popular operating system outside of the dominating markets of Windows and Apple.

What Are The Stylish Thermal Wears Available For Women?


The thermal materials are available as the innerwear and so this will give warmth to the body and make the personality of the people improved. This will comes with various sizes and designs. You can also find the styles of thermal wear according to the outfit you are going to wear. It will be more helpful for the improvement of the posture and also this will not allow the body temperature to fall in the snowy climate. The thermals for women come in various styles and so this will be the good one for the protection of their body in the winter season.

Why thermal wear is essential?

 The thermal wear is available in the form of the camisoles, vests, underwear and many others. The women will also find the various sleeve lengths of the innerwear like the sleeveless, full-sleeved and also the half-sleeved one.


 This will be more unique for the women as they can simply keep the wear in the wardrobe and use them according to the outfits they are wearing. It is much recommended for the ladies to wear the camisole with the half-length or the sleeveless one when they are wearing full-length t-shirts or other dresses. This will not give any awkward look but this will increase the personality of the women.

The women will get new confidence and also pride when they wear this kind of material. The thermal wear comes in the various fabrics that will keep the body temperature warm and also does not allow any cold air to pass through the attire. The attire will be more close to the skin and also this will keep on touching the skin the whole day.

The women who are having sensitive skin and also having less immunity power never get affected because of the winter season. This will keep their body warm and active all the time. The cozy feel that they will get and also the breathable garment will allow the women to do any kind of activities this will not let the moisture in the body persist as this is absorbing it. The smell of the attire will also never get as this is the bacteria resistant one.

How stylish is the thermal wear for women?

The women will get plenty of the collections in the thermal wear. The varying sleeve lengths, designs, colors, and the others will give the huge chance for the women to expose their stylish look in the winter season. The women can wear the thermal attires even in the other climatic conditions as the material is soft this will not give much disturbance.

 The colors and the designs will be different and so you need to choose the best one that suits the outfit. The thermals for women will enhance the style of the people and also this will help them to relax in the home, fitness, or go out for shopping and others. This will not give any burden and so the women can enjoy the winter season.

How much money do you need to spend to get a good smartphone?


The people who are planning to get a smartphone should purchase the one which meets their budget. Have you decided on the budget for your smartphone? If not, then you should plan it now so that it can be possible for you to get the one that doesn’t exceed your financial limits. These days, there are numerous smartphones available in the budget. You don’t even have to spend a huge amount even if you want to get the best features. 


Get smartphones under Rs.15000

If you want a decent quality of smartphones with better storage and a nice camera, then it can be possible if you can spend around Rs.15000. Yes! You can easily find a smartphone in this price range if you will consider buying an android. You will even get confused while looking for several options available in the market in this price range. 

What features can you get in this budget?

  • Amazing camera this budget, you can get a smartphone with a good camera. You can get clear pictures with that smartphone even if you haven’t spent a lot of money on it. There is no need to waste all your money on buying an expensive phone just to show off. You just need to focus on the quality of the camera you get. 
  • RAM and storage 
you want to store large files on the smartphone, then it can be possible if you will get a smartphone with better storage capacity. You can find around 32 to 64GB of storage in this budget. You can decide to check the mobile price in India before purchasing a good quality phone. 

  • Dual SIM cards
days, most of the people need dual SIM cards when they travel to different cities. Even if you live in a particular city, you might need two numbers for yourself and in such a case, you should go for a smartphone that comes with a dual SIM option. 

  • Fast processor 
can easily get the smartphone with a fast processor under 15000/- budget. You don’t have to worry about gaming because these smartphones can allow you to enjoy the best games without any lagging issues. 

  • Big screen size 
you are a fan of big-screen size, then you can easily find smartphones with bigger screen sizes in this budget. There are no chances that you will regret purchasing a smartphone with a large screen because it will be totally affordable for you. It is quite important that you look forward to getting a phone with better specifications. 

So, these are some things which you can get even under Rs.15000. If you are looking for the best phones under this budget, then you can check out Realme Mobile Price in India