Browsing Archive July, 2017

How To Be A Bike Buddy

Sometimes cycling alone can be boring and tiresome. You may want to get someone to help you enjoy cycling again and also challenge you and get you off your comfort zone. A bike buddy may also help you learn new things about cycling. You know that co-worker or family member who is willing to trade car rides for cycling and does not know where to start or how to start. You could also be the one who has started cycling and knew a co-worker or just a friend who cycles, and you want to be their bike buddy. Here are some of the tips to be a bike buddy:

Plan the best route for both of you

Cyclist prefers a quieter less congested route; this is also perfect for a beginner because they will enjoy the privileges and fun of cycling. Get a path that is also shorter so that you do not bore or exhausted your bike buddy. Involve your bike buddy in planning the route because they may have more insight about certain routes than you may have. Show them areas which are traffic free and have few pedestrians to reduce the risk of accidents especially to beginners. Planning your route will also let you know areas where you can speed and sprint, where to slow down and where there downhill. Choose a route that will give you a scenery that will keep you coming back not a landscape that will easily bore you, get out of your comfort zone and explore new areas with your bike buddy.

Take it slow

If you are the experienced cyclist and you have a new bike buddy, try to take them slowly. Let them enjoy the joys of cycling without feeling like they have to keep up with you. Set a pace that is comfortable for your bike buddy. This will also help them enjoy your company and to get to know each other better. If you’re the beginner, then take cycling slow view it as a getaway, not as a chore or a challenge that you have to complete. Be aware of your environment and enjoy Mother Nature, enjoy the sites and the fresh air you experience during cycling.

Get your bicycle checked

Encourage your bike buddy to get a proper bicycle and to get it checked. If it’s a lady, you could recommend women cruisers which are comfortable and easy to use. If you’re the one who is starting out get yourself classic bicycles as well. They are adjustable and have comfortable seats. You can get your bicycles checked, or you can just do it yourself. It is inexpensive to get your bike serviced and checked or better yet you can check it yourself which will cost you close to nothing. This will ensure that your bikes are safe to go and avoid any sudden accidents on the road caused by bicycle malfunctions.

Warn your bike buddy on challenging parts of the route you will be taking

Before starting the whole journey warn your bike buddy on areas that will require a lot of their effort or areas that will be strainers to them. This will help in case they have an injury, or they cannot maneuver you can review the route again or help them get through this challenging points on the route.

Remember to hydrate and snack

Remind your buddy to carry water and also carry water in case they forget. Water will come in handy when cycling because you lose a lot of water during cycling through sweating. This can cause dehydration and fatigue which may cause your bike buddy to have a bad experience hence avoid riding to work or anywhere else.

Some other tips to consider is advice your bike buddy to carry their bike on the care of the work place, or your destination is far, help them adjust slowly and sure. By doing so, you will allow them to enjoy the experience with you, and you will have gotten a bike buddy.


Lighting Considerations for Conference Rooms and Meeting Halls

Meetings are an essential part of doing business. Because of that, most businesses and other organisations have a dedicated space where they can hold meetings and business-related get-togethers. Good design is essential to make this space as functional and productive as possible. One of the most important considerations is the lighting. There are many factors that need to be taken into account when designing a lighting system for a conference room or meeting space including the following:

1. The size of the room

Lighting a small room is a far different proposition than lighting an expansive space that is designed for much larger gatherings. “When choosing the lighting for a meeting space, the overall size of the space will largely dictate what type of lighting system is best” insists an expert designer at HL Decorating.

2. Energy efficiency

Ideally, the lighting system should be designed with efficiency in mind. Look for ways to cut back on the amount of energy that is used. Optimal positioning for the fixtures combined with LED bulbs or other energy-saving features can help adequately light the space while using as little electricity as possible.

3. High-tech devices

It is important to consider any high-tech devices that will be used in the room when designing the lighting. For instance, if most people in the room are going to be using their laptops, you need to make sure that the lighting system won’t cause distracting reflections on their screens. Projectors and other types of technology may require special lighting accommodations as well.

4. Brightness

Rooms that are dimly lit can be uncomfortable to sit in since they make it difficult to see what is happening around you. Conversely, rooms, where the lighting is too bright, can also pose problems since bright lighting can cause eyestrain and can lead to discomfort. The lighting in the room needs to be at the perfect level – not too dim and not too bright. Make sure that there is adequate lighting for whatever types of tasks will take place in the room. For instance, if most people in the room will be jotting down notes during the meetings, you need to make sure that space is lit well enough for them to see what they are writing.

5. Lighting operation

Most lighting systems use basic light switches. However, as these systems become more and more complex, they may require additional controls. For instance, some advanced lighting systems have special knobs and buttons that you can use to adjust the amount of light coming out of certain lights in the room or to turn specific lights on or off. If the design of the lighting system is extremely complex, you may even have a lighting board that can be used to precisely adjust every single light in the room.

6. Safety

Entering a room that is completely dark can be dangerous. Make sure that the lighting controls are located near an entrance so that the lights can be turned on without walking all the way into the room. You may want to consider installing motion sensors that automatically turn on some of the lights when someone walks in. This will provide them with enough light so that they can see clearly as they make their way to the lighting controls. An even easier option is to install a light switch just outside the entry door. That way, it is simply a matter of switching on the light before entering the room.

Lighting design is one of the most important considerations when designing a meeting space. It is essential to consider how the room will be used so that you can choose the right type of lighting. When the lighting in the room is correct, it will make the space much more comfortable and usable.


Sending online rakhi gift to Pune from GiftsbyMeeta is absolutely Hassle Free

Be it Pune, Nasik, Mumbai or even a rural place in Maharashtra, the festival of Rakshabandhan is celebrated everywhere. There is a uniform custom of tying the sacred thread of rakhi on brother’s wrist and offering gift to brother and a return rakhi gift to sisters from her brothers, associated with this festival. Making all the rakhi essential arrangements at the your doorstep in absolutely hassle free manner, GiftsbyMeeta has presented a separate category on its website named rakhi gifts to Pune that   lists the products based on the cultural theme related to the Pune city. GiftsbyMeeta has presented the gifting assortment in the taste and personality based categories on the website.

Rakhi gifts delivery in Pune

The idol of lord Ganesha is the one thing that can be seen in every house in Pune and a great collection of Ganesha rakhi for brother look suitable to be used on this Rakhi event. Furthermore, the designer leaf shaped bronze plate arranged with yummy Laddoo along with other rakhi essentials would be a wonderful rakhi gifts in Pune for your sister or brother living in this city. The city based gifting articles are further categorized under the categories such as online rakhi gift for brother who is health conscious, fashioner, and foodie or sport lover.

Next day Rakhi gifts delivery in Pune

Next day Rakhi gifts delivery in Pune named services from this store includes the gift for your brother such as, special Rakhi gift hampers includes the yummy “Love You” chocolate with soft toy combo with diamond Swastika rakhi, stone rakhi, perfumes, leather belt and wallet, notepad, pen and diary, flowers, hampers, and homemade chocolates to give them a wonderful Rakshabandhan surprise.

Rakhi gifts for health conscious brother, If you are looking for something health friendly presents for a health freak brother living in Pune, then you can send online rakhi gifts hampers to Pune incorporating the combination of cashews, almonds, like nuts or a herbal tea and coffee packs along with designer rakhi with other rakhi essential arrangements.

Pune, the historical city located in the Indian state of Maharashtra, attract thousands of the working professionals and the huge number students from across the country. All those brothers and sister, away from their sisters on the eve of Rakshabandhan will never feel isolated with GiftsbyMeeta’s home delivery of rakhi gifts in Pune. On the other hand, the online portal will also enable those brothers and sisters away from their homes order a presents online and get it delivered to doorstep of their siblings on the upcoming rakhi event.


How Can Video Conferencing Help You Improve Customer Care?

Establishing and maintaining a strong relationship with customers is one of the keys to success for any company. Until a few years ago, the only contact tools were the telephone and email, but today this has changed. The introduction of new technologies has changed the paradigm of customer service and have emerged alternatives such as video conferencing in the cloud that not only improve communication but also increase customer loyalty, empathy and closeness with customers.

According to a study by Vidyo, one of the sectors that is betting strongly on this new model, is banking, an area where great competition makes good care is key to consumer loyalty. In this sense, videobanca is presented not only as a new channel of communication but also of loyalty and business growth. For example, David Royle, consulting partner Grant Thornton says “it looks like incredible statistics but one of our customers has achieved 60{1973852c3d03fa9c7b89cf4e32c90950349d2a7529a1646edaa4b9e79bec0c07} growth in sales of mortgage products.”

Barclays and CaixaBank, two examples of video customer success

In order to expand its customer service, Barclays launched in 2014 its service “Video Anywhere “in the UK. This service, based on Vidyo technology, allows users to connect via videoconference with their managers at any time and from any device, whether smartphone, tablet or pc. “Customers continue to demand human treatment and empathy, and for this reason, video conferencing is important, as it not only offers a voice but also a face for Barclays,” said Simon Separghan, Global Director of Contact Center. He added that “most customers who have tried the videoconference request that their future communications are the same and this has allowed us to double our Net Promoter Scores (NPS). For us it has an unsurpassed value as an organization. “

In Spain, another bank that has followed this initiative, is CaixaBank. This entity has just launched a special advisory service for companies through video call, which allows managers and companies to maintain a totally secure, close and personalized communication. According to CaixaBank’s Corporate Banking Executive Director, Luis Cabanas, “thanks to this service, CaixaBank manages to be closer to its customers when they need us and with highly specialized professional advice. It also saves time for them, who benefit from the immediacy and the executivity of virtual meetings.”

The challenges of customer service by video

As we have seen, the benefits of videobanca are multiple but for its use is consolidated it is necessary to have the necessary technological tools. Today there are plenty of free video conferencing services on the Internet that meet the communication needs on a personal level, but do not offer the quality, security and reliability that a company requires to communicate with its customers. Thus, ez Talks Cloud Meeting allows the communication with HD quality from any place and with all kinds of devices, thus providing the quality and the speed that users and banks need. In addition, ezTalks Cloud Meeting offers services specially designed for the company, of whatever size, does not require the purchase of equipment since it is a service in the cloud and has an expert and specialized support that supports the user in the use of the service.


Terrific features of Samsung Galaxy S9

Samsung has achieved an enormous success with its Galaxy S series. When company launched Galaxy S8 and Galaxy S8, many customers approached and preferred this beautiful smartphone. Samsung is going to launch its brilliant terrific extraordinary flagship smartphone, Samsung Galaxy S9 next year, 2018. The price of Galaxy S9 would be pretty high; possibly it would be around 1060USD. But if we take a look at its promising outstanding innovative features and latest technologies, moreover, it’s beautiful, stunning display, body design, sparkling body colours, best high-powered CPU and GPU, amazing smart AI, highly intensified, optimized scanners, the price is appreciably fine.

Galaxy S9 Front Camera

As for the front camera of Galaxy S8, it is Sharp, Stable and Free of Noise. The software auto-focus, the optical image stabilization system and a quick focus @ f / 1.7 are the strong points of the new systems of selfie-cam Galaxy S8.  Samsung Galaxy S9 is still over half of a year away from being launched and the excitement of the Samsung lovers are sky-high for Galaxy S9. People want to know everything about new flagship S9. Galaxy S9 will be equipped with amazing camera by which user can keep steady their emotions and rejoice moments in their phone.

Samsung Galaxy S9 – Performance

Samsung proposes, as usual, different variants of its top of the range depending on the final distribution market. Samsung used Snapdragon 830 SoC for Galaxy S8 and Galaxy S8+. An industry insider said that the Samsung will worl on 7nm chipset for its upcoming Galaxy S9. The upcoming flagship smartphone Galaxy S9 will run on teo processors. Snapdragon 845 SoC will be mostly found in industrial market and Exynos 9810 will be marketed in the home land of Samsung, South Korea, and other few Asian countries.

The allocation of memory for Galaxy S8 has been established with 4 / 64GB, while in South Korea has been resolved for the realization of a premium model with 6 / 128GB memory and provided for external expansion via microSD Card. Galaxy S9 will hit the market next year with up to 7GB RAM and an internal memory of 130GB which is expandable up to 280GB.

Performance of Galaxy S8 is very high, as evidenced by the first benchmarking tests. No problem in managing complex tasks and particularly demanding gaming sessions. The heat dissipation system, inter alia, excellently perform its task, providing a terminal that does not heat up too much. Galaxy S9 will follow the same path and come out with a reigning speed, innovative features and excellent performance.

Samsung Galaxy S9 – Security

An essential aspect in the use of the mobile solutions is undoubtedly the security, that in the new Galaxy S8 is guaranteed by unintended implementations for biometric scan of fingerprints, and systems of the fundus (IRIS Scanner), which is also adds the new Facial Recognition, exclusive of the last top-end phones from Samsung. Samsung has packed so many innovative sensors in Galaxy S9 as well. The smile recognition, face recognition, fingerprint scanner, eye scanner, iris scanner, Light sensor, Accelerometer, Barometer, proximity sensor and Gyroscope are humbled features of this phone which would be very fast and would give very reliable results.


Things to Expect When Traveling to China

        People have never been more inclined to travel compared to today. When you take a look at social media people often talk about retiring early in order to travel, mixing travel and their job or simply having a career that is related to travel. It has been a goal for the younger generation to travel and experience the world while they are young instead of working and having a stable life so that they could travel once they retire. It seems as though people of today have embraced that life is too short which is why you should make the most of the present. These are the reasons why tourism of different countries is doing so well. Aside from the fact that a lot of people want to travel, a lot of travel agencies and modes of transportation have made it a point to make it affordable for people to travel to different locations.

           Traveling for some people is about following wherever the road leads you while for others it is about planning ahead in order to make the most out of the experience. Regardless of their differences, the fact is the destination will always be important. For some people, they first want to experience the nearby countries in order to experience the similarities in culture while others want to experience the other side of the world in order to be immersed in a totally different culture. When it comes to culture China is definitely one of the countries that should be experienced. China has one of the earliest civilizations which is why a lot of locations are key to the development of history. Some of the events that notable in China was the development of the great wall, the Nanjing Massacre and the different wars that dated back to the different dynasties.

           A lot of the events that took place in China in the past have helped shape the culture of China that we know today. If you choose to travel to China you would definitely notice how rich their culture is. Considering the size of China going from one end to another would give you a different experience and a change in scenery. Even though only a number of locations are known today when it comes to China there is a lot to experience even if you only visit these well-known locations such as the great wall. The food, people, and infrastructure are just some of the things that help you experience the culture of China. This is true especially for people who come from places such as Europe and America since it is a totally different place as compared to these locations. However one of the problems that could be encountered when traveling to China is the language barrier. Not a lot of people know how to speak English in China which is why it may be difficult to converse with the locals.

           From the historical events alone China could already be considered as a destination for your next travel however it should be expected for people that are not from Asia that the culture will be very different. In a way, this would also give people the unique experience the culture of China and the different sceneries the country has to offer. The people, food and their way of life may be different but in the end, that is the point of traveling. People travel to experience new things and China is one of the destinations that would give people a unique experience. Not everyone may like it but in the end, you travel to experience new things.


Best Way to Choose the Right Steroid for Beginners

Supplements for beginners

What is wrong with you? You look strange. Don’t you feel that you need some ways to be more attractive and self-confident? Yes, it’s true! You need to develop a good body shape and also build resistance. Well, for realizing this goal, you have to do something, no matter from what point of view you look at it. Nutrition training, supplements and nutritional solutions available today are excellent and provide almost everything you need. Some supplements will certainly help you achieve your desired ideals; some solutions are given below. For example, you can opt for a Dbol only cycle, just for starters.

Dianabol is an excellent supplement that helps with the development of hormones in the body. In fact, this product is not just for bodybuilders, but for people with disabilities or health problems as well as those getting used to medicine. It is not so difficult to handle, and a healthy lifestyle and nourishment is possible with it, and without any adverse effects that are expected with use of such supplements.

A very important fact that you should consider is that Dianabol is among the most popular remedies to obtain a fantastic muscle mass when bodybuilding.

Where can you find the best legal integrators?

Most of the dropped supplements are given through prescription from your family doctor, but also check the indications to figure out the supplements that may be appropriate for your body. If possible, check with people who have already used it, and also consult some good websites that have all the information available to help you compare options and decide properly.

All the solutions are now yours. By using the right product, you can acquire the well-being of the body and form effortlessly. This supplement will be good for consumers because it has many benefits. Made with organic ingredients, which will certainly help to achieve the perfect body. Also, you will feel satisfied after using these steroids, and be the envy of others trying to get a similar well-built body. But, you have to remember the advice quoted: use these supplements with a proper diet and a healthy lifestyle, and then everything is possible.



Planning a Holiday? Here is How a Travel Loan Helps

The daily struggles of a job and other responsibilities can sometimes be too stressful. And even a balanced personal-professional life can eventually lead to some boredom.

In such situations, travel serves as a great way of getting a break and a fresh perspective on life. Besides that time away from home helps you to really bond with your family and friends. Moreover, a vacation by yourself can be a great way to even reconnect with yourself.

All these things make travel and tourism an extremely popular option. But of course, this has a cost associated with it. Be it for your flight, hotel bookings, food or other travel experiences, each factor has a significant impact on your budget and finances. Hence in such a scenario, a personal loan for travel or vacation serves as a helpful solution.

Travel loans Overview

These are personal loans given by various banks and financial institutions when a person wishes to travel for a business or personal purpose. Usually, such loans are unsecured, meaning that you are not required to give any asset to get the loan amount. Moreover, any guarantor is also not required. But in the case of amounts exceeding INR 2 lakhs, some collateral or a guarantor may be required.

These loans can be availed for foreign or domestic travel and include the cost for you and any relatives, who are considered as dependents. And the loan amounts given for domestic travel is usually less than that given for foreign travel.

Also, senior citizens can avail better interest rates according to various schemes offered by a bank.


You can get a travel loan for amounts ranging from INR 10,000 to even around INR 20 lakhs. But since these loans are unsecured, they have a higher rate of interest associated with them. This is done by the lender to reduce the risk of giving a loan without any collateral involved. The interest rate can currently be around 10-11{1973852c3d03fa9c7b89cf4e32c90950349d2a7529a1646edaa4b9e79bec0c07}.

Additionally, loan tenures can vary from 12-60 months, and the processing fee charged differs for each bank.

Documents required

A salaried or self-employed person can apply for this loan. A minimal document for Personal Loan list is involved in such loans. This includes your address details, identity proof (election card, Adhaar card etc), and passport photographs.

Along with these, you are also required to submit details of your travel. Such as flight tickets, hotel booking, travel plans and so on.


Here are some of the advantages of taking a travel loan:

  • There are lesser chances of a travel loan reducing your credit score. Because unlike a credit card, a personal loan has no effect on the credit utilization ratio. According to this ratio, a person’s credit score is penalized if the card balance goes above 30{1973852c3d03fa9c7b89cf4e32c90950349d2a7529a1646edaa4b9e79bec0c07} of the credit limit.
  • By knowing how much you’ll be paying in EMIs, you can properly structure your finances. Also, these loans can come with more flexible tenures.
  • The processing of such loans takes less time and does not involve any complications.
  • For some banks, it is also possible for you to make prepayments on the loan.

Before getting a loan it is easily possible for you to compare the terms offered by different banks and choose one that best matches your needs. While it is, of course, important to get the best travel experience you will also need to evaluate its impact on your finances.

This is where smarter planning can make a difference. For e.g. the rates for accommodation in Goa can be significantly different in the peak season vs. any other time. Also booking a flight ticket earlier can help you save on your costs.

So get to properly planning your vacation – both in terms of what you wish to do and the finances involved.


GST on Real Estate: Land leasing, Renting, EMIs for Under-construction Houses to be Taxed

After receiving a nod from President Pranab Mukherjee on the four key legislations namely ‘The Central GST Act, 2017’, ‘The Integrated GST Act, 2017’, ‘The GST (Compensation to States) Act, 2017’, and ‘The Union Territory GST Act, 2017’, the Goods and Services Tax (GST) is all set to be implemented on July 01, 2017. Touted as the biggest taxation reform since Independence, GST will subsume central excise, service tax, Value Added Tax (VAT) and other local levies to create a uniform market.

The real estate sector has also been brought under the ambit of GST. Leasing of land, renting of buildings and EMIs for under construction houses will attract GST, post implementation. However, the sale of land and buildings will not be liable to GST and will continue to attract stamp duty as per the current tax regime.

Leasing or Renting of Land / Building

According to Clause 2 / Section 7 of the Schedule II of the CGST Bill, 2017 the following activities will be treated as a supply of services and will fall under the purview of GST:

  1. Lease, tenancy, easement, licence to occupy land
  2. Lease or letting out of the building including a commercial, industrial or residential complex for business or commerce, either wholly or partly

Under Construction Properties

Another aspect that the real estate developers need to consider is the inclusion of under construction properties under GST by the virtue of being treated as a supply of service. According to Clause 5 / Section 7 of the Schedule II of the CGST Bill, 2017, ‘construction of a complex, building, civil structure or a part thereof, including a complex or building intended for sale to a buyer, wholly or partly, except where the entire consideration has been received after issuance of completion certificate, where required, by the competent authority or after its first occupation, whichever is earlier’ will be treated as a supply of service.

Since GST is levied on supply of goods or services, the sale of land and building(s) [except under construction properties] are exempt from GST since these activities are treated neither as a supply of goods nor a supply of services according to Clause 5 / Section 7 of the Schedule III of the CGST Bill, 2017.

In the current tax regime, income received from properties rented out for residential purpose is exempt from service tax. The good news is that in the recently circulated list of exempted services under Goods and Services Tax [GST], rental income from properties used for residential purposes continues to be exempted from the GST laws.

Abatement in Service Tax

A home buyer on purchasing an under construction property pays for land cost, materials used and the construction service provided by the real estate developer. Since service tax can be applied only on the services provided and not on the goods, it needs to be calculated only on the construction cost. Since it can get difficult to separate the costs, the government provides an abatement scheme, wherein the service tax is paid only on a portion of the total amount. The final GST rates and abatement, if any will decide the final impact of GST on real estate in India.



Celebrating Social Media Day

Last week was an exciting week since on Friday June 30th it was National Social Media day therefore all ORM Agencies took advantage of this opportunity to really use their social medias and connect with consumers. Social media plays a big role in the world of business today and before it had started off as nothing more than a simple website to connect people with one another and now it has transformed into a network of platforms that make more people around the world connect to one another. After social media day happened last week, people are starting to ask what the most popular social network platforms are around the entire world.

According to Vincenzo Cosenza, he found out that all social media networks have a different level of popularity around the world. He had done research in about 149 countries around the world to be able to develop a map that shows the popularity of the social networks and here is what he discovered. Facebook is the tech giant in the world since they still reign supreme in most of the world with about two billion monthly users. Japan is the only country in the entire world that loves Twitter more than any other platform. Russia has a love affair with the V Kontakte platform while QZone has done the exact same thing for China. There are nine African countries that prefer LinkedIn over anyone else which makes sense due to the economic boom that has ben happening around the continent.

Vincenzo Cosenza also compiled more data of which social network platform takes the lead for second and Russia chose Odnokiassniki, Instagram for second is most popular in South America whereas Reddit seems to be quite popular in Australia and Canada whereas Twitter comes in second for United States. Every social network platform gets millions users daily and that’s what matters the most, the world now has found ways to stay more connected.