Benefits of Education Loan for Students in India

The rising costs of educational fees have caused a decline in the numbers of students applying for educational courses in the country. Thus, there are many meritorious students who are unable to bear the burden of the rising costs. Therefore, the parents lack funds in order to financially support their child’s education even after splurging all of their life’s accumulated wealth. However, thanks to the financial assistance; in the form of loans, provided by banks and NBFCs (non-banking financial companies), students can pursue a course of their choice. The education loan for students, provided by these banks and NBFCs have way lower interest rates than the interest rates for the traditional loans. There are many banks and NBFCs (non-banking financial companies) which offer education loans online, thus, students can make use of this feature and compare; the education loan which is best suited for them.
The various benefits of opting for an education loan are as follows:
• The study loans cover all the costs of your education whether you are studying in India or abroad. The various courses covered under the umbrella of study loans are science, arts, commerce, MBA (masters of management studies), mass media, marketing, economics, engineering, medicine, etc. The various costs such as college fees, tuition fees, and costs of residence, travel expenditure as well as all the other miscellaneous expenses are covered under the education loan for students.
• The students can fund their own education by opting for study loans and thus, save their parents from the hassle of exhausting their savings in the form of jewelry, land, cash, etc.
• The flexible repayment pattern provided by the banks and NBFCs (non-banking financial companies) help the students to plan out their future installments in advance. Thus, helping them to plan out their future wisely and to live risk-free. There is also a feature of the moratorium period, given by the banks and NBFCs (non-banking financial companies) to the students in order to find a job. The moratorium period can be anywhere between 6 months to a year, and during this period, the students cannot repay the principal amount of the loan. However, they can repay the piling interest rate of the loan.
• The financial institutions also provide the facility of Education Loan For Students online. Thus, students can enjoy the facilities of quick approval, online management of account and no branch visits by making use of the online feature. Thus, by making use of the online facilities, all of your information is secure as well as within the palm of your hands.
The people who can apply for an education loan are:
• All the citizens of India who are between 18 to 35 years of age can apply for an education loan.
• The banks and NBFCs (non-banking financial companies) also check the academic background of the student, thus, only the meritorious students are funded by the financial institutions.
• An earning member of the Indian society must be willing to become co-borrower for the loan amount. He or she can be a relative, family member, parent, sibling, etc. However, the co-borrower will be the primary debtor for the loan amount.
• You need to keep collateral with the financial institution in order for you to procure an Education Loan For Students. This collateral can be a residential property, life insurance policy, savings in the form of fixed deposits, or any non-agricultural

Good Small Business Ideas

In today’s challenging economy where do budding entrepreneurs look for business ideas and how do they do find success? What is meant by a small business varies widely around the world. Small businesses are normally privately owned corporations or partnerships with generally less than 50 employees. But if you are looking for good small business ideas, starting business with 50 employees may seem anything but small!Good small business ideas are ideally suited to internet marketing because it can easily serve specialized niches, something that would have been more difficult prior to the internet revolution.It is no secret that there has been a massive shift to people buying products and services online and this continues to grow which is good news for anyone doing business online.Small businesses do not suffer equally in tough economic times; while some will be hit severely, other small businesses will only experience a slight dip and still others will actually prosper.It is interesting to note that in Chinese, the word crisis is composed of two characters. One represents danger, and the other represents opportunity. The new digital internet economy opens up infinite possibilities of good small business ideas. For some, this means crisis, for others, opportunity.But how do businesses become a reality online? There are millions and millions of websites all fighting for attention and the only way to survive in the highly competitive online business world is be skilled on how to use it to your full advantage.New online entrepreneurs need to learn how to set up and earn from their online businesses. To succeed good small business ideas need to have somebody who is willing to learn a new set of skills and be committed to success.Good small business ideas on the internetAffiliate marketing is one of the most profitable business ideas on the internet. Quite simply, you promote other people’s products and services and, when somebody buys something that you are promoting, you get paid a commission by the product owner. You do not have to worry about creating a product or service, dealing with the fulfilment or any customer queries.There are so many different products and service which are available to promote, you are sure to find something that interests you.ClickBank is a popular online marketplace where you can find products for your business ideas. It boasts a vast selection of ebooks, software and other digital goods, which are products that are downloaded over the internet and where the buyer has instant access. ClickBank contains thousands of products that you are free to promote as a ClickBank affiliate. The vast majority of ClickBank vendors pay a commission of between 50% and 75% on the sale price of their products. To put this into perspective, ClickBank has paid out over $2 billion in commissions in the last 10 years.It is no secret that we are are currently in the longest depression since the 1920s. Unemployment remains uncomfortably high five years after the financial crisis and many of those in work have had to accept lower pay, part-time work and temporary contracts.The time has come for many to stop depending or be satisfied with just one income from one job. Entrepreneurs with good small business ideas and who take those ideas to the internet to start generating a new income are ahead of the game. We are at the start of the digital internet revolution and those who take the time to learn the skills and techniques required to succeed online will reap the benefits.

How to Find Great Live Auctions for Resale Items

Hi, my name is Walt. I’m an auctioneer with 25 years of experience in the auction business and licensed in the state of MA. I own Quick Auction Service, a company that specializes in building and running custom auctions, I’m also the webmaster of my own site and have been on eBay for 8 years. Besides eBay, the types of auctions I run most frequently are antiques and on-site estate auctions, although I’ve run everything from business overstock auctions to charity & special event auctions.

I enjoy sharing my knowledge and stories of the auction business. My goal for article is to help folks get the absolute most out of their auction experience.

Whether your fresh out of the package or a seasoned dealer I think I can offer something in this article to help you with your auciton adventures.

There may be as many reasons to attend auctions as there are types of auctions to attend. Maybe you want to attend an auction to buy items for re-sale on eBay, or some other market. Maybe you want to furnish your home with wonderful antiques, or you want to furnish your home as inexpensively without sacrificing quality.Some folks are just looking for a fun night out. With a little perseverance all these things are possible.

There are antiques and estate auctions, auto auctions, overstock auctions, absolute and no reserve auctions, real estate auctions, specialty auctions where only one genre of items are sold, tailgate auctions, live auctions, online auctions, sealed bid auctions, silent auctions, charity and fund raising auctions and many more.

Can you really buy for pennies on the dollar at an auction? You bet! Many times I’ve seen folks buy and re-sell at the same auction on the same night for a good profit, although be advised, this should only be done after the auction is over.

There are a lot of ways to find an auction, but here are some tips on how to find and attend the best ones.

Visit the genre of shops in the area that apply to the type of auction you want to attend. IE: If your looking for a good antique auction to attend, stop in the local antiques shops and ask for what there are for good auctions in the area. Sounds obvious right? But listen to what they don’t say as well as what they do say. Oftentimes when a dealer speaks poorly about an auction he or she attends, it may be likely that they are trying to keep a good thing secret. Think for a moment, why would a dealer keep attending a lousy auction?

Newspaper ads: I personally like to find ads in the classified ad section rather than flashy display ads. Flashy ads are usually indicative of an auction that will be high priced, may have reserves, (a set price on an item), and usually an enormous crowd. While any auction can be profitable to attend, it is usually best to steer clear of the glitzy ones, at least for the beginner.

Here’s the minimum you want to find out before you go. If there is a phone number in the ad, call and ask for the terms of the sale. What forms of payment do they accept? Is it an absolute auction? An absolute auction is one that has no minimum or reserve bids on items. These are the best auctions to attend! Is there a buyers premium? A buyers premium is like a tax that everyone who makes purchases at that auction must pay above the winning bid price. Most auctions these days do charge a buyers premium, 10% is not unreasonable but I feel much more than that is greedy, and the auctioneer that charges over 10% is counting on most bidders not doing the extra math as the bids quicken in pace.

A fair auction will have ample time to inspect the merchandise, usually at least 2 or 3 hours. Find out when inspection starts and make sure to attend! Never attend an auction if you can’t make the inspection, not unless your prepared to gamble. Most auctioneers sell at a rate of about 100 items per hour, which is why they sell “as is”. They simply don’t have the time to give a detailed description of all the items. Since almost all items at auction are sold AS IS, there are sure to be some damaged, refinished, fake and incomplete items at any given auction. Beware of any auctions that offer very little or no inspection time.

Good auctions will usually have 150 to 400 lots. A lot may be one item or a group of items. The exception to this are specialty auctions, auto auctions, real estate auctions etc.

When you attend your first sale, take note of the 1/2 dozen or so dealers that buy the most often. See if you can find out about other area auctions they attend.

When you do find an excellent auction, attend it as often as possible. By frequenting good sales, you help increase the bottom line of that business. It’s difficult for many auctioneers to keep the quality of merchandise consistent, so good attendance certainly helps. And when an auctioneer gets to know you as a buyer, he/she will go out of the way to accommodate you, to keep you coming back.


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