Need home loan? Read this first!

Looking to buy your dream home? Or invest in real-estate for financial security? Then you would also be looking for a perfect option to get loans. Buying a piece of property without a loan is not a feasible option for most people. Real estate is not cheap, and if you want to buy a home that is your dream house, you need to look for a credit option that works for you.

If you are looking for the same, here are a few tips that you should keep in mind.

Tip 1: Research your options carefully

In current times, there are tons of options for people who are looking for loans. The first option and choice for most people is a bank. It is the first choice of many people as you already have a relationship with the bank, and you can use that to your advantage. But there are other options too, like private lenders, unions, or so on.

So, use the internet and find out the best solution for you. Look for EMI options, interest rates, and more. Be thorough in your research because a home loan is challenging to pay as it more than most other loans. Also, you can always ask for help from sources like ADS.finance. All you need to do is fill up a form, and lenders will contact you. After that, check the EMI, and other details and compare them to find the right fit for you.

Tip 2: Look for affordable options

When you are researching and exploring the various loan options you have, do keep in mind affordability. In the end, no matter what happens, it is you who have to pay the EMI and interest rate. So, a loan from an institution that is providing you with a fixed EMI that is affordable for you. And also, it should be something that you can negotiate or carry forward if some months you are unable to afford.

It is necessary because EMI is not the only thing that you will be paying. You have other expenses too. So, consider all of these things when you finalize your loan option.

Tip 3: Keep an eye on your credit report

Before you apply for a home loan from any institution, make sure your credit report is top-notch. If you have discrepancies in your credit report or have a low credit score, getting a loan can be an issue or quite challenging. Therefore, it is advisable that you first check your credit score and if it is not great, work on improving it first.

To keep your credit score high always, make sure you pay all your bills, especially credit card bills on time.

Tip 4: Be careful with the documentation

Whether you meet your lender online or in person, make sure you do the further dealing face to face only. And read all the documents carefully. Before you sign on it, make sure that the terms and conditions are what you both agreed on and not something else.

Tip 5: Be smart while choosing a repayment tenure

The duration of time you will take to pay the loan is your repayment tenure. It is different then EMI, but they are dependable. So, choose carefully. A small tenure has a lower interest rate, but the EMI may be high, which is not affordable for all, and vice versa.

With these tips, you are one step closer to buying your dream house.

Why you should add social media links to your business card?

Social media is integral to any business. Whether you are running sole entrepreneurship, an enterprise, or a small business, the role of social media is huge in all. Every social media can impact your business as your viewers are on it, and if you do not connect with them using social media, you can end up losing your business.

Social media just not only connects you with your audience. It also aids you in building a brand image. And every person who is running a business these days knows this now. Yet, there are still tons of people who do not put their social media handles on their digital business cards.

A chip business card has tons of use for a business. And since you can add a clickable link on these cards, you should make use of this opportunity ASAP.

Here are some reasons why putting social media handles on both paper and digital business cards is imperative.

Reason 1: It gives a face to your business

The customers and clients want to know who they are working with. When you hand out a card with only your email address or contact information, it doesn’t appeal much to them. But when they can explore your business using social media channels, they see how your business actually works? The clients/customer learn what the business is about, how they interact with customers and more? All this information is critical, and thus putting your social media handles can give your business new opportunities to grow. Make sure you have the same name across all social media channels.

Reason 2: It aids you in creating trust between you and your customers

A lot of people look at social media for comments by other customers before buying a product. Why? Because a customer believes the voice of other buyers more than an advertisement. When you have positive customer reviews, you get more clients because everyone wants to do business with people who have credibility.

As social media helps in building credibility and trust, you need to put in your business cards. So, that new clients and customers can see your profile and the credibility your business has.

Reason 3: It helps with reviews

A business needs positive reviews for growing. And what better ways than to get customer reviews on social media were tons of people are looking for exceptional people to work with. When you add social media handles to your card, you are giving people a way to connect with your business and leave their feedback.

It also gives you a chance to work with negative reviews. If someone has one, you can counter it and provide them with better service to help them change their opinion.

Reason 4: Makes your business approachable

No one likes to deal with a business or person who is only looking to increase their sales. Adding social media handles shows that your business is also about connecting with people, which is what social media is all about.

Here is hoping that these reasons will encourage you to put your social media handles on business cards along with other standard information.

 

4 ways a blogger can build their network

Are you a new blogger who is trying to make it big? Well, then one thing you need to do ASAP is to network. Making friends is important in this business, whether it is with other bloggers or with brands who can sponsor your posts or collaborate with you.

If you are feeling too shy or scared because you feel that the other bloggers or brands will laugh at you. Do not worry! You are not the only one. Every new blogger feels this way, but networking is imperative to your success, and no other blogger will laugh at you for making attempts.

You only need to know the right methods to connect with other bloggers or brands. One thing that can help you connect with bloggers that you meet on social media or otherwise is to have a smart business card. You can share or leave your contact information via the digital business card on their messenger or Facebook page. Or even in the comment section of their blog. It will help you out more in connecting with bloggers with ease.

When you network with bloggers, you get to

• Promote each other’s blog

• Work on a product together

• Run a campaign or organize a giveaway together.

• It provides you with both an opportunity to get a higher ranking and get exposure from each other’s viewers.

When you network with brands, you get

• Sponsorship

• A chance to earn more money and become an influencer

Here are a few tips that will help you network.

1. Do comment on blogs of other bloggers

 

Find some quality blogs that you like and are in your niche. They don’t have to be the top in ranking but certainly need to be top quality-wise. When you do find them, start commenting on their blogs. First, start with your name and a comment. Then you can begin leaving a link to your blog or its name.

Bookmark the blog you want to connect with and remember to comment on their blog posts a few times till you connect using other methods.

 

2. Connect with brands on social media

 

Start with local brands in your niche. Drop a message to them on social media or through email. You can also visit them in person if it is a retail store and you would like their sponsorship or collaborate with them anyhow.

Do not worry, if one or two or even ten brands reject your collaboration deals. With time, you will get better at pitching, and you will get sponsorships.

 

3. Tweet the blog that or piece you like

 

If you are reading an article or blog post that you are liking and you have the option to tweet them, do. The author must have the click to tweet button, and you should use it as it doesn’t cost you anything. But it does help you network with a new blogger.

 

4. Reply to mails

 

When you sign up for an email list for a brand or blogger, you get auto emails for a lot of things. It will be fun to reply to some. It will give you a chance to network as well. It is unusual, but it works.

Keep these tips in mind and be sure to have a digital business card now. As you run an online business, you need to have a card that you can share with anyone, anywhere and, anytime.

Best tips to brew a perfect cup of coffee

Ask any coffee lover, and you will understand the need to drink at least two cups of coffee per day. Some would even drink more than twice, but never less. When you are so into coffee, buying it from Starbucks or cafes every day becomes expensive. And it is!

In less amount and with fresher ingredients, you can make better coffee at home. All you need is the right way to do so and also you must have the correct ingredients, like the right beans, and more.

Here are a few tips that you need to keep in mind to make a perfect cup of joe at home.

1. Buy the right coffee

Your cup of coffee will only be as good as the beans you have. So, if you love caffitaly pods, make sure that you buy it from a genuine seller. Someone who uses fresh whole beans to make the pods and whose coffee doesn’t lose aroma before you use it.

If you buy your beans, make sure it is fresh and unground. If you take the ground one, you cannot be sure about its quality and taste. It can be on the shelves for too, and once you ground the beans, you need to drink it within a month.

Similarly, you can go for instant coffee too, as not everyone has time to grind their beans. But make sure it is of top quality and do not buy excess of it. Otherwise, it will lose its taste. 

2.  Buy the right container 

It is so important that you store the coffee correctly. If you do not use the right container, you will end up losing the flavor and aroma of the coffee pretty soon. Thus, to ensure that doesn’t happen, store it in an air-tight container or a mason jar.

The caffitaly pods you use do not require any sealed jars but do store them at a place that doesn’t get direct sunlight.

3. Use the right method to brew the coffee

Not every one of us can have an espresso or pods compatible machine. But we can still create a perfect cup of coffee if we know-how. So, take your time and do the research and look for cheaper options to make your coffee.

For instance, FrenchPress is relatively cheaper, and you can use it to create a delicious cup of espresso. Similarly, if you boil your water enough and let it soak the pods, it will give you a decent cup of joe. 

4. Grind your beans well

If you are using fresh whole beans for your coffee, you need to grind it well. You cannot grind it and store it as that would never taste as flavorsome as you wish for. Thus, after grinding a batch of coffee, make sure you drink it within thirty minutes.

Also, make sure you grind it such enough that it is not too coarse or too fine. Otherwise, it will not taste well.

Other than these, the ratio of coffee to water matters too. For espresso, 30ml coffee is enough for a single cup. But for a cold brew, you need a bit more. Also, make sure you use filtered mineral water for a decent cup.

Hopefully, these tips will enhance your coffee-drinking experience.

 

 

7 types of coffee from around the world that you need to try

Most people in the world follow a similar routine- wake up and drink a big cup of coffee. This routine is the same for most people, but the way people make coffee differs. Every country and region uses different spices and herbs to make coffee. In this blog, we will discuss some of the region and their best coffee.

1. America

The most popular and famous coffee drink in America is Espresso. It is the go-to drink for most people who are up early and sleep late and are working overtime. It has two simple ingredients-coffee and water. The preparing part is quite challenging; maintaining the balance of coffee and water so that it is just right, and not overly sweet is imperative.

french press, espresso machine, and Aeropress are tools that can help you make a great cup of espresso.

The other coffee popular in America, which you will find around the globe are Cappuccino, Macchiato, Latte, and Americano.

2. Kaffeost- Finland

The most famous drink in Finland is kaffeost. It is hot coffee which they pour over cheese curds which are known as juustoleipä. They are quite appealing, and the people find it lovely too. Their days don’t start without that, and you may like it too when you reach Finland.

3. Pods coffee- Australia

The people in Australia love drinking pod coffee. It is bio-degradable and has tons of flavours. The Nespresso pods are so easy to make even without a pod machine, and you can carry your coffee anywhere you go.

4. Turk Kahvesi-Turkey

n Turkey, other than Turkish tea, this coffee is quite famous too. In this, you have to immerse fine coffee ground into a brass or copper pot known as cezve. It is unfiltered, so the beans settle into the glass, and you drink it, giving it a rustic taste.

5. Yuanyang-Malaysia

Another indulgent and delicious coffee which you need to try on your next trip to Malaysia. It is a mix of coffee (three parts) and Hongkong milk tea (a combination of black tea and milk). It has a deep flavour, and something both tea and coffee lovers need to experiment with.

6. Irish coffee- Ireland

Irish people know how to make everything fun and happy. This strong coffee has a bit of alcohol in it, which gives it a nice kick. In a glass, add freshly brewed pod coffee, add a bit of whiskey in it, (not much, just a tinge) and top it with whipped cream. It tastes delicious and will instantly boost your mood.

Anyone can make this splendid coffee, and with Christmas coming, you should certainly try it.

7. Vienna coffee or mocha

The Vietnamese people love their coffee with a whole lot of whipped cream in it. It is your usual espresso, but they top it with whipped cream and a bit of cocoa powder. You can also add chocolate syrup in it to make it taste like mocha.

There is no milk, but the whipped cream adds a nice flavour to it.

So, which one of these coffees are you going to try at your home today?

The warmth you get with coffee is unimaginable. No matter the form you drink coffee in, it aids you to get a kick of energy and feel more conscious.

How to remove coffee stains for daily drinkers?

Every coffee lover, who starts their morning with a Nespresso coffee pod and ends it with another, knows how difficult it is to remove a coffee stain. Yes, this coffee blog is about removing the stain this decadent beverage leaves on our clothes.

The coffee may taste excellent, but it will not go down well with your overall fashion. So, here are some easy ways to get rid of that coffee stain.

To remove coffee stains on fabric

The cloth that uses synthetic fabric is durable but unfortunately not resilient. That means if you do not wash it in time, it can lose its shape, colour, or structure. So, when you spill your coffee on a piece of synthetic fabric, immediately do this:

• Blot the stain from it using the same method you would use on cotton

• Then wash it as soon as you can or

• Soak it in water for 15 minutes and use warm water to rinse it afterwards

• You can also use a sponge damped with rubbing alcohol to clean the coffee stain that remains after soaking it.

Tips for removing Nespresso coffee stain which is dry

A dry stain is challenging to get off. But with these few tips, you might have better luck:

• On the stain, directly pour some non-bleaching regular laundry detergent (liquid) or fabric stain remover. Normal liquid soap will work as well if you do not have any specific remover.

• Make sure you dab the stain fully with the remover. It is best to let the stain remover sit on for overnight after rubbing it gently.

• In the morning, wash the wet cloth using cold water.

DIY for removing coffee stains from a mug

Have you noticed that your favourite coffee mug has stains near the rim? No matter how hard you scrub them, it sometimes doesn’t go away. Well, that is something you have to live with as a regular coffee drinker. But it is embarrassing to take them out again in company with those stains. Isn’t it? But these DIY stain removers will ensure that you do not face this problem again.

DIY 1: Lemon and water

Mix equal parts of lemon and water and leave them in the cup for some time. It will make it easier for you to rinse and clean the stains. If you do not have a lemon, vinegar with water works just fine.

DIY 2: Lemon juice

Squeeze some lemon juice into the cup. Let it sit for a while and then rub it with a dry cloth. After that, you can clean it as usual.

DIY 3: Baking powder

Use baking powder and water to make a paste. Rub it onto the stain and leave it for a while. Rinse it afterwards till it is clean.

Simple coffee-removing hacks everyone should know

You can spill your favourite espresso over your clothes anytime. And having all these DIY on hands is a bit too much to ask. So, for situations like these, few tips can work like:

• Use a dry cloth to spread some salt over the stain. It will ensure that it doesn’t spread.

• Use baby powder to prevent the stain from spreading.

Whether you make your cup of joe using grounds or instant coffee or coffee pods, avoiding this stain can be impossible for coffee lovers. But with these tips, you can save your clothes in minutes.