There was a time when international trips only meant visiting countries like the USA, Great Britain, and Australia, not to mention burning a BIG hole in that pocket of yours.
However, things are very different with the younger generation looking to travel big on a tight budget. Let’s look at some of the countries you can travel to on an Indian Passport and yet save enough to plan your next adventure!
You knew this had to be there, right! This destination is now tremendously popular amongst those looking to travel out of the country. If you’re a beach bum, love getting tanned, or would like to enjoy your food and drinks at a reasonable price and shop like crazy, this is the place you need to pack your bags and head off to!
One of the neighboring countries of India, Nepal, reminds you of snow-capped peaks and spirituality. If you love waking up to beautiful scenery and enjoying your hot cup of coffee on a cold winter morning, this is a place that will give you the same winter-in-Europe feeling.
But at just an unimaginable cheaper price! And did I mention you DON’T need a passport for this country?
Unfortunately, Bhutan is frequently overlooked because of its tiny size. However, it is a beautiful country with a rich cultural heritage and scenic landscapes.
Those looking to get away from the hustle and bustle of city life can visit the meditative monasteries in the country to get in touch with their spiritual side. The best part is that one can travel to Bhutan via road!
Many Indians are unaware of this exotic island located in the Indian Ocean. With August being the best time of the year to visit this island, beach-lovers will be in for a visual treat.
Vietnam has recently started appearing on tourists’ maps as it is gaining popularity for its scenic beauty. With cheap shopping options and tropical flora and fauna to enthrall you, you can save more money by ditching the traditional hotels and opting for a homestay instead!
The land of volcanoes finds its way on this list because it deserves to be here! Lush forests and immense greenery for the nature enthusiast and excellent spas for those looking to spoil themselves, this is a country that will leave you yearning for more.
So start packing and head off to your chosen destination!
Sweden’s Scandinavian country has one of the best education systems globally, as rated by several independent organizations. Swedish universities welcome students from overseas and offer scholarships for promising students to cover their tuition fees; there are also government scholarships to help with the financial costs., if you are an EU citizen, then there are no tuition fees.
2. Sweden celebrates diversity and culture
Sweden celebrates diversity and believes that it benefits society to support other people’s culture, way of life, beliefs, and practices to have an inclusive society.
Many universities around the world, in essence, teach you how to think, but Swedish universities teach you how to be creative as well and question everything that you learn so that you develop your own opinions.
This way of thinking leads to innovation in the workplace, with Sweden ranking highly as one of the most innovative nations in the world.
3. Educational institutes offers life skills too
When you study a course in Sweden, it is not just about attaining enough credits to pass; it is about the process of education itself, reasoning, rationalizing, and applying these skills to the outside world. But Sweden itself is an appealing country to study, and it has public healthcare, high levels of wealth equality, and a strong sense of social justice.
It takes environmental concerns seriously, including investing in sustainable energy and reducing greenhouse gas, making it attractive for international students studying sustainable energy. It has attractive modern cities with a cycle path, pavement cafes, and stunning lakes.
4. Offer working opportunities for students
International students can work while they carry out their studies, with no limit to the number of hours. If you want to stay in Sweden after graduation and work then you can extend your residence permit for 6 months to give you time to find a job or even start your own business.
Once you find a job you can then apply for a work permit. Likewise, if you are studying for a master’s or Ph.D. and have lived in Sweden for four years on a residence permit, you can apply for permanent residency.
Swedish universities attract many overseas students drawn by the fantastic education system, scholarships, and great lifestyle.
Immigration consultants such as Career Overseas can help you with every aspect of applying for and planning your study in Sweden.
So, what are you waiting for? Plan for your future in Sweden.
Imagine studying in the most romantic country in the world as you look over at the majestic Eiffel Tower. France is a living dream for every international student, from museums to cafes to restaurants.
The education system is equally good and offers plenty of opportunities for international students right from the beginning of the second year.
Here are four reasons you should study in France:
1. Scholarships for international students
France is one of the very few nations with government scholarships for international students. Some scholarships waiver off only state fees, while some fund all your education.
Studying and living costs are cheaper than universities in the UK and USA. All courses in France are delivered in both English and France. Not all universities delivered courses in English earlier. Per the French government’s rule to increase the influx of international students, you can now take any English classes.
3. You will learn a new language
You will meet so many people throughout your degree and even make friends with the locals. This is your chance of learning a new language because why not? The French vocabulary is very similar to English, so you can easily grab French if you know your English well.
4. Best country for study
You might not know, but Paris beats London, Sydney, Boston, and other cities to become the best city for students. Even in modern-day France, you get to live in its past because of the beautiful French sculptures and buildings. And how can we forget the wine?
France lies in the center of Europe that means there are multiple flights and Euro Rail to travel all around the continent while you stay there.
And with so many good reasons, who wouldn’t want to study in France right?
a person or group who usually gives small personal loans
charges high rates of interest
take high risk
play a significant role in lending money to those people with less access to banking activities
offers loans to people who are unbanked or under-banked
also provides loans to those in situations where borrowers do not have a good credit history
sometimes lends money to people like gamblers and compulsive shoppers who get into debt
Amidst so many lending services provided and various options available, the decision of borrowing money from money lenders becomes quite challenging. Extremely difficult and straining at times.
So, to make your task easier, faster, and more efficient, we have come up with this list of things that you should know before borrowing money from money lenders. This will not only make you well versed when it comes to money lenders, but it will also make you more aware.
Hard money loans are for those in serious need of funds or need cash urgently.
When one needs to make, the purchase happen quickly.
Hard money loans are the next best option for those who do not qualify for any other form of loan or financing.
Buying an investment property
Flipping houses
Many hard money lenders in the United States claim to be the fastest and provide loans with zero percent down payment. However, one has to be cautious in these situations. Everyone has to be cautious in these situations.
What is a Hard Money Loan?
As the name suggests, hard money loans indicate the distinctive and hard feature of the loan, that is, using a tangible asset to back the loan’s value. So, if the borrower defaults on the secured loan, the lender will take over ownership of those tangible assets, hence, recovering the losses.
The concept of Hard money will become more clear further.
How hard money loan is different from a traditional loan?
Traditional mortgage and hard money loans are alike in terms of a secured loan. Both are secured loans, which implies that both are guaranteed by the property used to purchase.
The approval process of hard money loans is generally less stringent and very fast than a traditional mortgage or other types of secured loans.
Traditional lenders waste your time with long approvals.
Hard Money Lenders provide hard money loans to borrowers with alternative lending circumstances or those who need fast money. Nonbanks and private lenders employ alternative underwriting guidelines to fulfill this group’s aim. These are different when compared to those used for prime mortgages in the following terms:
require less documentation than banks
less likely to ask for credit score, Bankruptcy history and Foreclosure history.
This means that borrowers with a less solid credit history will have an easier time being approved for hard money loans. This is because their financial background is not a factor in qualifying them.
Moneylenders depend on borrowers’ equity as collateral.
hard money lenders claim the property if a borrower defaults
they can even force a sale of the property to recover the funds lost on the loan
Benefits of Hard money mortgages for borrowers:
immediate access to funds
the approval process is quick
involves less hassle
easier approval
faster funding, that is, getting you the money you need when you need it.
faster turn around time
Fewer qualification requirements
Drawbacks of Hard money mortgages for borrowers:
shorter repayment terms
higher interest rates
a certain amount of risk
more upfront costs (such as closing costs)
higher origination fees
requires a larger down payment (like more than 30%)
borrower’s house secures the loan
Looking at all the positives and negatives of hard money loans, it is advised that if one’s financial background and minimum credit score qualify for other forms of financing, one should consider going for those better options. This wise decision will cost less money in the long term! A hard money loan might turn out to be a financial disaster.
However, one can go for it when there’s an urgent need for money.
All in all, hard money loans are comparatively more expensive due to the high risk that the lender takes by offering the loan.
What do Experts have to say?
“Also, unlike a traditional mortgage, the value in a hard money loan deal is factored into the underwriting much more than the borrower’s credit score,” says Shipwash.
“Hard money lenders, the term “hard money lender,” is used to describe the entity outside a traditional bank or credit union that leads to an individual or business. A hard money lender is similar to payday lenders offering personal loans or title pawn lenders, without much oversight or regulation to adhere to”, says Bruce Ailion, a real estate attorney and Realtor in Atlanta. “Lenders can charge what they want for the risk they take in making a loan,” Ailion says.
2) Each lender has its qualification criteria
Each lender has its qualification criteria concerning autopay and loyalty discounts.
(For example, some lenders require the borrower to elect Autopay before loan funding to qualify for the autopay discount).
All rates are determined by the Mortgage Lenders and must be agreed upon between the borrower and the borrower’s lender that is chosen.
3) Sole discretion
All credit decisions, including loan approval, if any, are solely determined by Lenders. Lenders will conduct a hard credit pull when the borrower applies. Hard credit will have an impact on the credit score.
4) Lowest rate
Interest rate is a percentage of the principal of the amount loaned. It is the amount a lender charges a borrower. The lowest rate advertised is not available for all loan sizes, types, or purposes.
5) Steps of Loan approval
Hard Money Loan Rates: How is the approval process set for any loan breaks down to the following:
the lender reviews all the background information
the lender determines if you can reasonably commit to make the necessary payments.
In the case of a hard money loan, the lender does not dig into your financial background
A personal loan is a loan whose money is lent through a financial institution like a bank or an online lender, or marketplace.
This can be used to pay down credit cards, consolidate debt or cover a wide range of other expenses.
Personal loans have fixed monthly payments for a set period.
How is a personal loan different than a credit card?
Credit cards come with credit limits, introductory rates, or revolving balances. But, personal loans involve a fixed rate and payment that the borrower chooses upfront. Also, no additional interest will be added to the borrower’s loan once the borrower locks in.
Fee on personal loans
Fees on a personal loan include a variety of things like application costs, underwriting, funding and other associated administrative services.
The fee amount can vary from a money lender to a money lender. Also, it should be noted that an origination fee is generally deducted from the loan proceeds before the borrower gets the required funds in the bank account. This is usually between 1% and 8% of the loan amount.
For example, if one borrows $15,000 with a 5% origination fee, $750 would go to the fee, and one’d receive $14,250. If the lender one chooses charged an origination fee, be sure to consider it when choosing the loan amount — otherwise, one could end up with less money.
Plus point about personal loans:
The good news is that a personal loan can positively impact one’s credit by showing a history of on-time payments and reducing one’s total debt.
(as long as one doesn’t add a new debt, like increased credit card balances)
How Much Can You Borrow?
How do money lenders determine how much people can borrow?
Determining Factors:
the credit score
possible collateral
already-existing financial relationship with you.
7) Credit approval
Loans are subject to credit approval and sufficient investor commitment.
Various Credit:
Excellent credit
Good credit
Fair credit
Bad credit
No credit history Secured credit cards
A minimum credit score is needed to be on the safer side.
To qualify for an equity loan, the moneylender looks for the borrower with enough equity in their home: equity is the difference between what your home is worth and what you owe on your mortgage.
If you are in a situation where you don’t have a good credit rating, then getting loan approval, that too, a traditional loan, is next to impossible. However, when applying for a hard money loan, you are dealing with an individual or a group of lenders.
You will not be borrowing from the traditional bank anymore. Thus, there is no need to provide the money lender with a lot of information to approve the loan. They are not concerned with what credit score you have. They are just interested in taking high-interest rates, as long as you pay them on time.
8) Soft credit inquiry VS Hard credit inquiry
Checking one’s loan rate generates a soft credit inquiry on one’s credit report, visible only to that person. A hard credit inquiry, which is visible to the person and others and may affect one’s credit score, only appears on one’s credit report if and when a loan is issued to that person.
The loan APR will depend upon one’s credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and one’s credit usage and history.
Also, note that some companies may call themselves private lenders simply because they are privately owned. Like hard money lenders, you can also find them on the internet. Companies can close deals on various property types at competitive interest rates in the 48 states. Terms may vary from state to state.
The main point to keep in mind about a down payment is as follows:
up-front payment
initial partial payment
payment is made for the purchase of expensive products &/or services such as car, bike or a house
generally paid in cash or equivalent like a personal check, cashier’s check, credit card, or electronic payment
the remaining payment for the purchase of that expensive product or service is made with the loan amount.
reduces the amount of money you will have to borrow
the more you pay for the down payment, the lesser amount of the loan and lower the interest rate
10) Personal finance
Personal finance is the management of your own or your family’s finance. It includes saving moving, family loans, accounts, expenses, donations, tax, asset and liability handling, retirement planning, insurance, banking, budgeting, investing, estate planning and a lot more.
avoid taking loans as much as possible. A loan should always be the last option
spend less: there’s a hell of a lot of difference between getting wealthy and staying wealthy
invest wisely and compound your money
learn financial literacy: read!
the rich don’t work for money; money works for them
mind your finances and your own family’s
Know the history of taxes and the power of corporations
Don’t lose your mind: learn, observe, grow
know the difference between luck and risk
wealth is what you, by any chance, don’t see
Excellent books to read on personal finance:
the psychology of money by Morgan Housel
Rich dad poor dad by Robert T. Kiyosaki
Think and grow rich by Napoleon Hill
the little book of common sense investing by John C. Bogle
11) How to protect from scams?
Scammers often try to collect personal and financial information from consumers by pretending to be an employee or employees of philanthropic organizations, financial services companies, banks, private money lenders, or online lenders.
But one needs to be very cautious about providing personal information because this is very sensitive information, and its misuse or mishandling can cause great trouble in future.
There can be cases of Unsuccessful payment fees also.
What to do if you feel that the lender is doing something illegal or wrong?
Simple answer: Complaint! As soon as possible, without wasting any time.
risks that can be as high as in similar, other investment instruments like Mutual Fund, FD and Debentures.
the risk is diversified through very low amounts of lent
it does not affect portfolio returns
How did online money lenders come into the picture?
the covid – 19 pandemic brought in a new era of digital transactions
people don’t fear transacting online anymore
. During the pandemic, people have been relying on each other for emergency and unplanned expenses
And that is when digital transactions and online money lenders saw a boost!
Online money lenders are smart millennials who don’t have any complex rule books but have gadgets like smartphones and laptops.
What about Auto loans?
An auto loan has collateral, which means the vehicle’s value is the security for the money lender and that the money lender has protection against default. In other words, the money lender can seize the underlying asset, which means the money lender can take your vehicle.
One of the significant differences between auto loans and other consumer loans is that an auto loan is a secured loan that has to be used to purchase a vehicle.
On the other hand, other personal loans can be used to purchase almost anything in this world and are not that secure.
This is why interest rates on auto loans are generally lower than personal loans. This is because the lender is taking less risk, as they can seize the vehicle to recover the unpaid loan if the situation demands so.
The loans on cars are also fixed period loans. They are paid back over a specific period, for example, one, two, three, four or five years. Several consumer loans also have you (the borrower) choose a particular time of payback period.
Millennials are now shifting from routine 9 to 5 jobs to freelancing. After all, who doesn’t want to be their own boss?
The flexibility that this work option offers is unbelievable. This is an excellent option for people who want a better work-life balance and are tired of working in a competitive and stressful corporate environment.
But does freelancing give you more recognition than a conventional job? Let’s find out.
Freelancing beats the monotony:
The fact that freelancers are free from the 9 to 5 routine, which can get monotonous, enhances their creativity and productivity as they are no longer bound to the schedules and deadlines. This has led to a lot of possibilities, and thus there are chances to score big career-wise.
While you save up for those exhausting trips commuting to your workplace, you save time, and you’re more energetic, which enhances your efficiency at work.
You can concentrate on your projects better, enhancing your chances of getting better opportunities and creating a good work base. This helps you get the best of projects and give your best shot at each one of them.
Corporates are looking for more fresh talent:
The increased freelance revolution has led to a maximum portion of the workforce leaving the corporate setting. Their increased online availability has prompted corporations to hire freelancers for their projects.
The ups of this are work freedom, creative independence, and better projects in the future due to a greater network and an enhanced client base. The fact of the matter is when you work with the biggies in the industry and can retain your work-life balance; it is a win-win deal for you.
Even better are the pay packages you’re offered since you’re in a position to negotiate.
There is no person on this earth who would not like cleanliness. As your office is directly concerned with our earnings, it is one of the most important places in a person’s life.
Every person would like to visit your office again and strike better deals with you if your office is clean and organized nicely. Your productivity will definitely increase in an organized office.
Check out these five reasons to organize your office space.
1. Professionalism:
A clean office gives a secure feeling to the visitor or customer. That creates confidence in the mind of the visitor, and he/she thinks that this office is showing professionalism and would be able to solve all problems.
This way, the productivity of the company is enhanced. Also, the mood of your staff people becomes work-oriented.
When your boss asks for some invoice or important file, and you are left searching for it in your drawer for more than an hour, that would leave a bad impression.
It’s easier to locate stuff and find things that increase your work efficiency and save your time, offering great relief to your mind and soul. Why not remove unnecessary stress and be organized?
3. Morale:
A well-organized office contains files and cabinets in such a manner that makes the staff members feel great as far as morale and mood-boosting is concerned. Also, this gives them the confidence to work better.
The cleanliness at the workplace provides an environment where there is no room for bacterial or viral infections, and your office workers will remain healthy and work for a long duration. It is advisable for all workers to keep their desks and other surfaces clean.
5. Focus:
The cleanliness should be taken as project work and in a phased manner. It can be planned per week. Decluttering is a spiritual cleansing process and also enhances your concentration at work.
Pilots carry the onus of the safety of their passengers as well as the integrity of the aircraft company on their shoulders. Hence, it is important to follow safety guidelines so you can fly your plane better.
Here are a few tips for pilots to hone their flying skills, keep their planes in better conditions, and be equipped to deal with any unforeseen situations.
1) Maintain optimum speed:
You need to be careful about your speed, especially when flying at low altitudes, as stall and spin accidents can be fatal. You are prone to stalling at any speed, but the chances are 41% greater when the bank is increased to 60 degrees.
Avoid VFR flight mode, especially when visibility levels are low. This is important to prevent fatal accidents due to disorientation in space and lack of control while flying onto the land.
3) Take note when unusual noises come from your plane:
Weird noises can emanate from your engine due to a power plant system or component failures. This can be fatal. But even when your engine is failing, or a component is missing, keep flying the plane.
Always maintain your airplane as well as your skillset. Enroll yourself in add-on courses and also do proper upkeep of your plane. Be in touch with your mechanic to monitor the plane’s condition and get it inspected by a qualified person before flying it.
5) Don’t fly when in doubt:
When there’s mental pressure and any margin of doubt, stay on the ground as it’s better than making wrong decisions while on a flight to cause a mishap. Manage your risks and be sure about the working condition of the aircraft; otherwise, just don’t fly.
So, these are the five tips that you can use to become a better pilot. Hone your skills and become the best at what you do.
The field of sports is the most competitive and exhausting of them all. One wrong step, a difference of one millisecond- and you’re out. Every single second of your effort matters and one mistake can cost you your entire career. It is important to follow a systematic regime of success mantras to be a successful sportsperson.
Here are some of the things that will help you achieve that:
1. Be loyal to your team:
Have your teammates’ back. Be willing to persevere and practice even in the locker room when the coach is not present. Instead of focusing on individual performance and records, focus on the overall performance of the team. Work together for your team’s success.
All successful sportspersons had one thing in common. They were not satiated by the assigned practice sessions. They spent extra hours perfecting their sport and working on their shortcomings.
You may want to rest after that practice session or just chill with your buddies after the shift. But even 20 minutes of an extra practice session can work wonders for your game. This will make you brilliant with time, and you will be indispensable for the team.
3. Be well-acquainted with your teammates:
Building a rapport with your teammates in a game goes a long way in tilting the game to your advantage. Harmony with the team will reflect on your performance.
Knowing your teammates’ strengths and weaknesses helps manipulate the game in your favor, and the odds of winning will multiply. Support your teammates, spend time with them off the field, and you will be able to garner a healthy relationship, and that will show in your performance.
Even when you’re starting small, you should realize there may be some influential people sitting in the audience noticing your game. Give it your hundred percent even if you’re playing for free. You have to start building your brand from the very beginning itself.
5. Hold yourself together:
Have a good coach by your side, and gain knowledge about your game from multiple sources. Practice hard, and even when you think you’re not getting anywhere- never stop believing in yourself. Stay positive and understand that bad days are just a part of the process where you get better.
You get the best dark chocolate in Belgium. The European country is famous for its architecture and environment. You will see a mix of cultures in Belgium, and it will make you feel at home. Belgium is one of the few European countries that offer very low tuition fees for international students.
The Belgian government and Academy of Research and Higher Education have made a rule that fees for international students shouldn’t exceed five times the fees of EU students. It goes to as high as 4700 euros.
Here is a breakup of monthly costs that a student has to go through as an international student:
Rent
Belgium is a big country, so the rent differs accordingly. If you live in student accommodation, you will be charged between 300 to 600 euros a month. Student accommodations are very cheap in Belgium, so you end up saving a lot of money.
If you rent an apartment, remember that most homes don’t have a living room. So it is only a bedroom, kitchen, and bathroom. A shared apartment will cost you around 300 to 400 euros. Electricity and gas are included in it.
Monthly grocery costs per person are around 150 euros. Total food costs might go up to 300 euros monthly if you eat out frequently. Some of the cheapest supermarkets to buy groceries are Red Market, Lidl, Aldi, and Colruyt.
Transport
The train is the cheapest way of traveling in the country. Students can avail themselves of a monthly train pass that costs 20 euros. Taxi is pretty costly in Belgium, going up to 25 euros for a 40-minute ride.
Study material
Since you don’t need to buy stationery every month, this cost varies. However, on average, it can cost you 30 euros a month. You don’t need to buy textbooks or anything because the university professors provide everything and you always go to the library to find references.
From JK Rowling to Salman Rushdie, there are plenty of examples to prove that writing and publishing are some of the highest-paying and most rewarding fields of all time.
From editorials to sales, marketing you can choose from a variety of disciplines as the publishing industry is so vast and brimming with job opportunities.
Of course, it depends on your area of expertise and interest.
You don’t always have to be a writer to be in the publishing business. There are so many processes that come into play to create a manuscript into a full-fledged book.
1. Book Editors
Book editors still make up the most important part of the publishing workforce. From finding new writers to reviewing their work and edit their books, the efforts of editors are indispensable to the publishing industry.
Strong writing skills and an eye for detail with a penchant for storytelling will help you with this field.
Copy editors are the ones who review and proofread content before it gets finalized for publishing.
From grammatical errors to contextual and political considerations, including or excluding certain points, the job requires a lot of precision, and you can work full time, part-time, or even freelance.
3. Literary Agents
With publishing houses being flooded with manuscripts every day, the presence of literary agents makes the job of finding literary talent easier.
The first step to getting your book published in today’s times is to find yourself a literary agent who can forward your manuscript to the publisher. They have the sense to make a marketable and attractive draft and are responsible for filtering out the good writers from the mediocre.
Literary scouts are involved in scanning books written and published by foreign authors or even films and documentaries for being adapted into books by publishing houses.
A lot of experience as an editor and also the ability to look for innovative and unique content is imperative.
5. Publicists
The importance of the brand building is undisputed for any organization today, be it a corporate firm or a publishing house. This is where publicists come into play.
From working towards garnering media attention for their books and authors to designing strategies for promoting books along with reviewers, critics, media houses, to name a few, good interpersonal skills and a way with people is required to make a good publicist. Also, crisis management is of utmost importance.
