Author: yuvi mathpal

Sukanya Samriddhi Yojana is a small deposit scheme of the Government of India specially designed for a girl child. It has been launched as part of the BetiBachaoBetiPadhao Project. The scheme aims to finance the education and marriage expenses of the girl child.

One of the reasons why this scheme is famous is that it is due to tax benefits. Under Section 80C of the Income Tax Act, it comes with a maximum tax benefit of Rs 1.5 lakh. Further, the amount of interest and maturity earned is exempt from tax.

If you intend to invest in this scheme, then you can use the Sukanya Samriddhi Yojana calculator at the end of tenure to measure the maturity amount. Through this system, using a calculator to find out how much you can save for higher education and the daughter’s marriage.

Who can use the SSY calculator?

Sukanya Samriddhi Yojana must meet the eligibility criteria to use this calculator. According to the rules, the following people are entitled to open Sukanya Samriddhi account:

  • The girl should not be more than ten years of age,
  • must be a resident of India
  • An account cannot be opened for more than two girls in a single family

Use of Sukanya Samriddhi calculator

If you meet the eligibility requirements, the calculator will ask you to include your daughter’s age and the amount you want to invest in the plan. The minimum amount you invest is Rs 1,000, and the limit for a financial year is Rs 1.5 lakh. The government has reduced the minimum investment amount to Rs 250 from July 5, 2018.

SSY calculator works

The calculator, based on the amount you entered, calculates the estimated value you will receive at maturity. The scheme will mature after completion of 21 years from the date of account opening.

As per the rules of the scheme, a depositor is required to submit every year till the completion of 15 years from the date of opening of the account. Here, the calculator assumes that you have deposited all of them every year according to the amount you choose.

Between the 15th year and the 21st year, no submission is required. However, you will be earning interest on the deposits made earlier. The calculator takes into account the interest that will be earned by you during those years.

What does the calculator show?

Based on the information you have provided, the calculator will show you the year in which the account uses maturity, maturity value, interest rate in which the maturity value comes. It also shows the break-up of the amount that you can invest monthly in the scheme.

While approaching maturity value, we have assumed an interest rate of 8.1 percent per annum over the next 21 years, as currently provided for in the Samridhi Yojana Sukanya.

Note: enter the investment amount per year, the age of your girl child, and the initial year.

The calculator will automatically display the maturity year and the amount received at maturity after you enter the details.


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Preclusion deals cycles help sales reps perceive whether a potential deals prospect will work with them; the sales rep along these lines proceeds onward to another possibility if the appropriate response is “no.” During the exclusion deals cycle, sales reps can make this assurance by addressing deals prospects in team building training, item introductions or on the telephone. During this contact, sales reps converse with possibilities about the item or administration they are selling, and they may understand a few people are excluded from purchasing. One explanation incorporates they can’t manage the cost of the item, as indicated by Honest Selling. 


Business-to-business, or B2B deals cycles are directed between various organizations. The sales reps right now sell items that are helpful for organizations. This cycle frequently uses showcasing that centers around an item’s capacity to improve client maintenance. The business orders come in normally and will in general be for regular things like office supplies. This business cycle includes various purchasers. 


The business to client (B2C) deals cycle has numerous components that are focused on serving a client’s needs. The cycle includes a solitary buyer, or only a couple, who settle on the choice to purchase an item. Contrasted with business-to-business, the B2C cycle is quicker and less difficult, and the items aren’t as tweaked. 


Occasional deals cycles happen when an item is just sold during a specific time. Regular deals cycles commonly keep going for a couple of months and no more and can create numerous deals. A business that intensely relies upon this sort of deals cycle needs to spending plan for the remainder of the year cautiously, to support itself through occasions when deals are more slow. The bustling piece of the cycle regularly requires contracting impermanent representatives to deal with additional work. One case of a regular cycle is the retail business’ December Christmas season.

The Selling Function of Marketing 

Selling and advertising skills in the corporate team building are regularly viewed as particular capacities inside the limited time component of the promoting blend. Notwithstanding, when taking a gander at advertising and interchanges as a major umbrella that envelops every limited time exertion, selling is a more customized type of correspondence than different sorts of showcasing. 

Selling Basics 

Selling is a conspicuous business process whereby sales reps connect legitimately with your organization’s purchasers and attempt to convince them that the advantages offered by your answer are a decent incentive for the cash. Selling happens in for all intents and purposes a wide range of associations. Inside the conveyance channel, selling happen when makers offer to wholesalers, wholesalers offer to retailers, and retailers offer to the end client. At every one of these sets in conveyance, organizations need sales reps to offer to purchasers. 


The selling capacity performed by producers customarily includes inside and outside sales reps who work with the regular client – the merchant or distributer. Outside salesmen go out and about, as a rule, to meet with merchants and persuade them to convey items. Inside salesmen frequently team up with field reps by working the telephones to prospect, mastermind gatherings and catch up with clients. Another assembling deals position is the business engineer. This is somebody with both specialized item aptitude and capacity to work with possibilities or clients. 


Wholesalers normally hold items procured from makers in stock and offer them to retailers. They are frequently called “the center man” in the dissemination procedure. Wholesalers have comparative offering positions as makers with respect to inside and outside reps. Inside reps fill a comparable need, generally working the telephones. Field reps ordinarily travel to meet with retailers and retail purchasers to persuade them to convey items in their stores. 


Retail deals utilize numerous salesmen, on the grounds that retailers give the last association with the end client in the customary circulation process. Numerous individuals are tried out retail deals positions. Some retail occupations have a light deals accentuation where floor representatives are increasingly engaged with helping clients with finding and choosing items. In progressively serious deals conditions, workers are called deals relates and are commonly increasingly proactive in attempting to offer items to clients. By and large, better quality retail situations are bound to have serious deals workers.

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Being an investor you have to trim down the commissions and one of the main reasons for you to turn to an online broker. They tend to offer the best discount brokerage. The need of the hour is to choose a stock broker who is going to suffice your needs and that too at an optimum cost. To choose an online broker there are some tips that you have to follow.

Take stock of their trading costs

Most brokerage firms charge a flat rate for buying or selling orders. Though the transaction could be subject to additional fees in the form of market data or routing fees. The need of the hour is to be mindful of all costs that you are going to incur on a platform since this is going to affect the bottom line.

Access to the right set of trading tools

Always the strategy of cost cutting might not suffice. Being a seasoned investor you might be aware that lower cost would mean cutting down on services. For an investor it is important to be aware the kind of trading tools you are going to have at your peril helps you to make informed decisions.

An available list of investment products

Being an investor, you need a steady access to various options like stock, mutual funds, ETFs, forex or others so as to increase opportunities for financial returns. The need of the hour is to ensure that an online broker that you choose satisfies all these demands.

Steady access to mobile trading

Life is on the go. Being an investor you need to have access to a trading platform where you will be able to conduct transactions on the go. Even during the course of frequent travels you would be able to manage your account with the help of your smartphone.

Make it a point that you have regular customer service

When you are working with a brokerage firm, you need to ensure that the customer service is available round the clock. This could be the difference between making and losing money in the long run.

Stock analysis 

To be successful in terms of investment you need to have the right market data. For this reason you need to choose a proper brokerage platform that gives you access to quality research and analysis reports. A combination of all them helps you to take informed decisions.

Keep in mind that there is some form of regulation

In every country there is some form of regulation.  So as to check the online broker is regulated so that you do not face any issues in the future. One of the best ways to check it is to pay a visit to the website of the stock broker and find out in details.

By following the above tips you can go on to choose the best stock broker. Apart from this you can check out with references from the people who have gone on to availed services in the past.

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An average person needs 6-8 hours of sleep everyday because it provides relaxation to our body and mind. If a person is not getting sufficient sleep, then he/she can develop various conditions. Not just sleeping, but the sleeping position matters as well. Sometimes our postures are not healthy for us which makes us suffer from neck or back pain. If you are also suffering from these conditions, then you should immediately change your pillows. Pillows determine whether your sleeping posture is healthy or not. A well-made pillow will provide you comfort throughout your sleep making your body and mind feel refreshed in the morning. One can buy a perfect pillow for back pain at the Neckfit website because they offer custom pillows that are specially designed for you to fight with the pain.

The Neckfit pillows are designed after taking proper measurements for you so that the pillow would be a custom-made pillow for you. If you use regular pillows, then you would notice that after a short period you back will start hurting because of the wrong side of the pillow. These regular pillows are not made with proper measurements which makes them incorrectly shaped. If you sleep on your side, then the width of the pillow should be relative to your shoulder width and if you sleep on your back, then the pillow should be leveled with the bed. The pillows for Neckfit are made after considering all these measures which make them the perfect pillows for preventing and coping with back pain. Here are some additional reasons for using the correct pillows:

  • Comfort: the biggest benefit of using the correct pillow is that they are very comfortable. They support the neck and the shoulders from the correct places. This support makes our body feel comfortable. The width of these pillows is designed to perfectly fit within the length of your neck.
  • Ease pain: if you are suffering from back pain, then using the correct pillow will make your back eased and suffer less from pain. It will correct the posture preventing any worsening in the pain.
  • Better sleep: if your body is not getting enough support from the pillow, then there are chances that you can suffer from insomnia. Insomnia is a condition in which the person is not able to sleep. This can be prevented by the correct pillow since it induces better sleep.
  • Improving posture: these pillows are specially designed for improving the posture of a person while sleeping. You will see the improvement even when you are standing or sitting because it completely changes the posture of the person.

Pillow is one of the most important sleep accessories because of these reasons. If you use a correct pillow, then you will slowly realize that your pain is getting better and you can move your back in the normal positions. The quality of your sleep will become better making you feel refreshed in the morning. The orthopedic pillows for back pain can be bought from Neckfit because they are the best manufacturers of these pillows.

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There are so many options in the industry for everything. Talking about gifting, you can always find a huge collection in cakes. You can find amazing options and that too within the budget you have.  The point is when you can express your feelings, love and best wishes with a token of love; you should do that.

What you can do is you can always give cakes to your loved ones on their special days. You can get Cakes delivered uk or in the city wherein your loved ones live in. In this way you can make sure that even if they are not in the same city, you express your love and care to them. Following are a few reasons that you should go for cakes. 

Cakes are always welcoming 

There is no doubt that cakes are always welcoming and make the other person feel good and loved. The point is your cake can be delightful, designer, delicious and completely pampering.  You can always find the type of cake that your loved one eats. Whether it is about flavors, designs, styles or types; you can find them all in abundance. You can be sure that you make your loved one feel absolutely treasured.

Rich flavors in cakes 

If you think that there is only vanilla flavor or chocolate then you are wrong. You can find abundance of options once you explore. You can find the options in flavors that are comforting, delighting and completely distinct. You can pick flavors like pineapple, fruit flavors, mixed flavors, strawberry flavor, butterscotch, nuts cake and much more. In this way you can be sure that you give a cake that is as per the preference of the receiver. Even if you are looking for a cake in chocolate flavor, you can find different intensities of chocolate cake and that too in different chocolate type like milk chocolate, coco chocolate, dark chocolate and so on. 

Designs that satisfy 

You can easily pick the designs in the cakes that can satisfy the individual. You can be sure that you make the other person feel pleased with a designer cake. There are so many options in designs in the cake. In this way you can be sure that you give a designer cake that is rich in looks and beautiful. 

Customized cakes

You can always give a cake that is customized and as per your desire. You can make sure that the receiver gets the cake that is customized like it has a picture of the receiver on it or it is simply in the shape of the activity he or she likes. For example, a cricket pitch cake would make someone who loves playing cricket feel stunned. In this way, you can give a guitar shaped cake to someone who loves to play music. In this way the delicious cake is going to pamper them both in the looks and taste. 


So, you can always send cakes by post to any place you like. Whether it is in the city, state or the other country; you can be sure that you make the special day for someone extra special. 

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A visa is an allowance by a country’s government to enter its territory. The Indian government has now facilitated e-visa, which allows availing the visa through online medium, in an easier and speedier mode. They aid the citizens planning to visit our country for tourism, work, and medical emergencies. The visa can also be obtained within twenty-four hours through super express visa service. Indian visa for US citizens is procured via mail. 


  • Foreigners can apply for Visa to visit India through online mediums. No filing of papers and visiting offices is required. The Filling of the application form is the main requirement. 
  • US citizens can apply for the visa by transferring their photographs and passport copies to the online form and then pay their application fees through the use of credit or debit cards. 
  • The applicants will get their visas via mail after they are completely processed. 

Emergency Visa- 

The Indian government keeps the needs and requirements of foreign Travelers foremost. Under emergent circumstances, when foreign citizens demand a visa for traveling to India, the government of India provides the option of availing the visa within twenty-four hours of application through express services. These services go through the application forms within twenty-four hours and after completing the review process, the visa is applied via mail. 


Citizens who require a visa for traveling to India for a longer duration can now do so easily. The government of India has extended the time and validity of the visa to sixty months or five years to the citizens of more than one hundred and sixty-nine countries. 


  • The visa can only be obtained by the citizens who are planning to visit India for tourism, work-related visit or for any kind of medical treatment.
  • The passport of the visitors should have six months of validity from the day of arrival. 
  • The passport should have two blank pages for stamping the by immigration. 
  • The foreign citizen should have further travel ticket or return ticket with enough funds to manage their stay in the country. 


  • International visitors having Pakistani passports should apply for a regular visa through the Indian mission.
  • The facility of applying for the visa is not available for diplomatic passport holders. 
  • Each person traveling should have their own password. The visa will not be applied to participants who would apply on the basis of their spouse or parent’s passports. 
  • The facility of availing the visa for people having foreign documents is not allowed. 

India tourist visa for US citizens can be availed using the online medium to apply for the same. Travelers now don’t have to go through the tiring and complicated process for getting their visas. However, the approval of the visa lies only in the hands of the immigration department of the country. After availing the visa via mail, travelers need to get a print out handy with them while traveling. The hard copy will then be reviewed by the immigration officer at the airport. Thus the process of obtaining the visa by foreign citizens has been made so much easier now with the advancement of technology. 

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Ketomac lotion is an antifungal drug that prevents fungus from developing on the skin. It is utilized to treat contagious and yeast diseases over the skin. It is used for the topical treatment of cutaneous candidiasis caused by Candida spp. Ketomac cream contains the broad-range synthetic antifungal agent, ketoconazole 2%. Ketoconazole is an imidazole antifungal agent. It is utilized to treat ringworm (tinea corporis), jock itch (tinea cruris), athlete’s foot (tinea pedis) and dry chipping skin, incendiary skin condition with oily, red and scaly regions (seborrheic dermatitis). 

Ketoconazole kills organisms and yeasts by meddling with their cell layers. It works by hindering the combination of ergosterol, which is a basic segment of contagious cell membranes. The disruption underway of ergosterol makes gaps to appear in the contagious cell membrane. The cell membrane of fungi is crucial for their endurance. As ketoconazole makes gaps that appear in the cell layers, basic constituents of the contagious cells spill out. This kills the organisms and clears up the contamination. But the real question is how to apply the ketomac cream?

Apply a thin layer of the cream to the influenced skin. Apply enough medicine to cover the influenced skin and a portion of the encompassing skin. Try not to wrap, spread or swathe over the treated skin except if prescribed to do as such by the doctor or the primary care physician. Wait for at least 20 minutes after applying this medication before using beautifying agents or sunscreen on the treated skin region. Try not to wash the treated skin for at least 3 hours after applying this ketomac cream. Use it just a single time or two times per day or as coordinated by the doctor. This medication is normally utilized for just 2 weeks to about a month.

Ketomac cream is contraindicated in people who have extreme touchiness to the dynamic or excipient elements of this formulation. There can be a series of reactions or side effects of the same like stinging, swelling, irritation, or redness of the treated. On the off chance that any of these impacts persist or decline, inform the physician as soon as possible. Abstain from covering treated skin zones with tight-fitting, manufactured garments that don’t permit air to circulate to skin. In the case of treating feet, wear clean cotton socks and shoes or shoes that take into account air dissemination. Keep feet as dry as possible.

The product is manufactured by Torque Pharmaceuticals. The company conforms to all necessities set down under Schedule M – GMP of the Drugs and Cosmetics Act. The steady spotlight on quality has implanted power into its mission for the best and has shown itself as the differentiation of being the main organization in Punjab to be granted WHO-GMP Compliance Certificate by the Drug Regulatory Authorities in the year 2005. The National Drugs Authority (NDA), Uganda and Pharmacy and Poisons Board, Kenya have additionally guaranteed Torque for export of prescriptions. The nonstop achievement and accomplishment of ISO 9001 certifications since the year 2005 have been a significant achievement. The organization presently agrees to ISO: 9001:2015 Certification.

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Everyone aspires to go to a foreign country and study there. Sometimes, it is to gain experience and the other reason being the level of teaching. Although it might cost you a pretty penny depending on the school which you want to go to there are many options if you want to study abroad for cheap. You must seek the help of a study abroad consultant

Here are 5 ways in which you can cut costs and study abroad for cheap: 

  1. Enroll directly in a foreign university:  While most universities in the United states tend to be expensive, many other countries offer free or low-cost education even for students who do not belong to that country. The Paris La Sorbonne does not have any college fee and only a small registration fee. The only disadvantage is that French universities teach in French so there is a language prerequisite to enroll. The other colleges like the Australia university of Tasmania comes with a reasonable price of 6000 dollars. English language programs are not restricted to the English-speaking countries. Check college websites to see if the tuition cost is manageable for you. 
  2. Volunteer abroad instead: Immersive volunteering experience is the perfect opportunity to gain valuable foreign language knowledge as well as hands-on experience without paying any tuition fees. Some programs do charge a small fee for students to pair them up with volunteering programs abroad, there are many free of cost options like WWOOF which is a worldwide organic farming network. It pairs volunteers with farmers who could use some help. You will be provided with free housing as well as food and with a little effort you could learn the local language as well.
  3. Complete a work-study:  Working while studying abroad is often suggested for international students. It can be quite complicated for students who do not have the requisite visa to be employed in a foreign country. Although, there are some programs that can afford the ability to bypass this sticky situation so you can study abroad and enroll in a teaching course. You can also choose a country which allows you to work while you’re studying. Many European countries will allow you to work part time. 
  4. Work as an Au pair: Going abroad as an au paid will the best way to cut costs on your study abroad program. The cost of housing will be taken care of and also transport charges will be covered too. You will be earning a bit of pocket money as well. There are many au pair resources which will help you find the perfect family in a country you want to spend time in. 
  5. Choose a cheap study abroad program: If you want to get rid of the headache of making your own study abroad plan, you can choose a study abroad program free of cost. 

In case you’re stuck in a rut and don’t know what to do, you can always hire a study abroad consultant who will guide you along this journey. 

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A medical emergency leaves people blinded with fear and uncertainties. In the rush of taking a loved one to the nearest medical centre, it is but natural for questions related to budgets and cost to come up.

Will the medical insurance cover the cost of the operation? Do I have enough savings to meet the expenses? Will I need to break a fixed deposit and lose out on the interest earned? Which family member or friend can help me at this time? Though all these questions are natural, what many people are not thinking about is taking a personal loan for medical emergencies to meet the expenses. It is a good way to raise funds in emergency situations.

Some Ways Of How A Personal Loan Can Help In Medical Emergencies:

  1. You can apply online, thereby saving time: You can go through your lender’s website or mobile app and apply for the loan digitally, without leaving the hospital. All you need to do is go to the lender’s website, fill in the form, and upload the documents. If you are an existing customer of the lender, the documentation is reduced further.
  2. You can avail instant funds and provide immediate care to your loved one: Mostly, the processing time of approval for personal loans is very less. As long as you meet the eligibility criteria and upload the required documents, your loan application is approved instantly, and money is disbursed to your account in 24 hours.
  3. You can use the loan for any medical issue: You can use the credit to pay any bills, charges for treatment, lab tests, medicines, or prescriptions. The lender will not ask the reason for the loan, but if you share your concerns with a customer service executive, you can be sure of faster processing.
  4. Hassle-free application processes make it easier for you to complete the process: The loan application for a personal loan is very simple. You can do it quickly, unlike old times, when you would have to fill out multiple forms. One application online is all you have to fill. Additionally, you can download the app (if offered by your lender) to fill in the loan application.
  5. You do not have to run around looking for a collateral: One of the biggest benefits of getting a personal loan for medical emergencies is that you do not need to provide collateral to the lender. It frees up the time you would have taken to get the paperwork for the collateral.
  6. Because of competitive interest rates, your monthly instalment burden is reduced: Interest rates on a personal loan are competitive. For example, both salaried and self-employed persons can avail the loan at interest rates starting from 12.99%* per annum. Do not forget to include the processing fees in the cost of the loan.
  7. Flexible terms and conditions are making it easier than ever to get a loan: Most lenders today offer flexible terms and conditions for a personal loan. For example, the choice of loan tenure ranges from 12-60 months. There are personal loan calculators online that you can use to calculate your monthly installment – you have to input the loan amount required, the applicable interest rates and the tenure and the calculator will calculate the EMI instantly. When calculating the EMI, keep in mind that a longer tenure means a lower EMI.

Remember, nearly all lending institutions will extend personal loans for medical treatments. But, if you are in an urgent need and you do not have the time to research, reach out to family and friends who have taken a personal loan, and you can finalise your choice based on their experiences.

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Today people are very much worried about their health. On the one side, they want to maintain a fit body and on the other side they are very much concerned about their skin health. Especially women are more concerned about skin. today the technology has become so advanced that many treatments are coming forward to maintain the health of the skin. but these treatments are expensive as well, so everyone can’t take these treatments. Many skincare products are also coming forward in the market. These products are available at reasonable prices so that every person can afford it. One of the trusted company here in the market is no scars. The no scars facewash, cream, and soap are getting very good responses from the customers.

These days every person is having a very busy and hectic schedule. Keeping in mind this thing here are some of the tips which can be taken care of to maintain the health of the skin in a busy schedule as well. Some of them are listed below:

  • Drink an adequate amount of water: water is the most essential part of the body. Enough drinking water prevents the body from many problems. To maintain the health of the skin doctors always recommend drinking at least 10-12 glasses of water daily. This much water will help the body to remove all the toxins from the body that causes harm. Drinking an adequate amount of water will make the skin glowing as well.
  • Wear sunscreen: with an increase in pollution, the ozone layer has been depleted to such extent that now the rays coming from the sun can harm the skin. so it is advisable to always wear sunscreen while going out. As too much exposure of skin with the sun can cause wrinkles, spots, and even skin cancer. It should be applied every 2 hours for better protection.
  • Eat healthy: the eating habits of the person affect skin health. So to maintain skin health it is recommended to take a balanced diet that contains fruits, vegetables, proteins and whole grains that will help in making the skin look at its best. Even stay hydrated as the water clears the toxins that cause blemishes.
  • Clean skin regularly and moisturize: yes, the increase in pollution is very harmful to the health of the skin. so doctors recommend cleaning the skin regularly to remove the dirt and bacteria. No scars face facewash is the one that gently cleans the skin and does not cause any damage. Even moisturizing the skin will prevent the irritation that is caused because of the dryness on the skin.
  • Get sound sleep: even the quality of sleep can affect skin health. while sleeping whole of the body and skin rests and repairs themselves. So if a person is not getting enough sleep he may suffer from skin issues. Doctors recommend taking sleep between 6-8 hours to maintain the health of the skin. even the pillow and bedsheet should be clean to avoid grease or any irritation on the skin.
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