Money, Money and more Money for you!

The best that could happen to any young entrepreneurs is having the right amount of money at the right time. Money is the basic necessity of life now. We all need that extra money at some point of time in our life to invest in business, further studies, to buy home; some may need it for buying cars etc.

You need extra money but who will give you that until unless you have some rich friends or relatives to lend you money for some time. Not many people though have such friends/relatives. So it’s here that the banks/finance institution comes to our help.

These days they give you loan that you can use for sometime and then pay back on installment. The bank charges some interest and service charge for their money. I guess paying little extra is not a problem for many of us if we get the money at right time.

There are various types of loan you can get from bank depending upon your need. Various types of loans are;

1. Home loan: - These are mainly of two types a) Floating b) Fixed
a) Floating is where you take loan and pay interest depending upon the interest rate. The interest rate may rise or fall depending upon the economy, whereas
b) Fixed is very simple. The interest rate is fixed at the time of taking loan. It doesn’t changes at all.

2. Personal Loan: - This type of loan is very simple to and easy to get from your bank though the amount varies from person to person. You do not have to provide much of documents to avail personal loan. The interest rates on such loan are very high.

3. Vehicle loan: - Need to buy a car/two wheeler then vehicle loan is the one you need. The interest rate here remains constant for your loan period.

4. Loan against property:- Such loans are very helpful in financing your child marriage or higher studies of your children. The interest rates are very reasonable on such types of loan and time period is also decent.

5. Loans against securities: - In such type of loans you do not have to sell your stock/shares but just need pledge your securities in favor of your banks.

In addition to above mention loans you may also go for medical loans, farming loans, consumer loans to finance your needs.

So what are you waiting for? You are just few steps away in getting money to realize your dreams. Apply for suitable type of loan.

My Free Lunch & Fun

There's no free lunch. Remember that old adage? Well I guess that need to be change when we talk about Email service providers. To me it’s definitely FREE service and website likes YAHOO, HOTMAIL, GMAIL, REDIFFMAIL and INDIATIMES efforts should be commended.

I don’t know how this email things started and why it is FREE? But since the time some intellect came up with email model they are offering basic email service for FREE.

They do have some paid services also which provide better spam filter and many more features that are not included in FREE email accounts. But who requires all this features? At least not you and I.

Initially, Hotmail was the ONLY major player in this field, but in last 4-5 years there are many email service provider that are providing much superior email storage space. Yahoo is providing FREE 1 GB storage, where website like rediffmail.com is providing UNLIMITED email storage. Wow! now you can store your favorite songs, personal photos, important emails, your favorite movies, favorite videos in your email account with out worrying about the space limits in your email accounts.

The other good thing about all these websites is now you can even check your emails from your mobile. I don’t know what next? maybe read your email from your watch! Personally I like all the major websites like YAHOO and REDIFFMAIL but I feel HOTMAIL can still do lot better if it has to retain it’s members. GMAIL and YAHOO continuously keep on coming with new features to out do each other.
All I can say is that in the end it’s the user who are getting all the benefits of for FREE. We would like this war for free email continue till long time, I am little selfish here but I love it when there is healthy war among two big players.

Some IT gurus have written that soon there will be no email service for FREE, I guess till then let us have fun and keep in touch through these FREE emails service. I am always available at stella_ry@yahoo.com and yes I am using the FREE yahoo email account.

-Stella