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Author: Shamna

  • 38 Signs He’s Cheating in your Relationship

    38 Signs He’s Cheating in your Relationship

    In today’s times lust is preferred over love. Long term relationship with a stable approach is a distant dream. The article here emphasis on the observations you need to draw from the hints your man is giving you to say exactly the Signs He’s Cheating. In most of the cases these are overlooked and results in unnecessary stress which often leads to depression ruining one’s life completely. As they rightly say “Cheating is a choice not a mistake”

    Loyalty is the core of any relationship however loyalty will never to equivalent to preferred blindness. Girls’ lookout for these sings closely.

    38 Signs He’s Cheating in your Relationship

    1. Texting

    The first sign to hit the list very common sign and high percentage of getting caught. He is texting late night, at the lunch table and guess what it’s not you. Also you can find the sign that your boyfriend is cheating if you notice his text very well. He takes a long time to reply you back . He texts you only on his convenient time just to keep you in loop of the relationship . He forgets what he have actually texted also . But we can’t say that these are truly Signs He’s Cheating but still if you look on it , make it can give you what your man is into .Also if he is double dating one best way it gets caught is from text . Many of my friends have said about their break up reason as double dating which they found from text . Sometimes they text you wrong message which was for another girl .If you are lucky to find it with “i love you ” with some other girls name send to you . There he is busy in so many , so you are just one among those time pass .

    2. Showing Disinterest in Everything

    He is not even interested to the things he use to get thrilled with and ignores all the pains you go through to make him feel good.You will be given reason like official busy made him tired . So being a lovely partner you make try your best to make him feel good. But if your efforts are not cared much then baby he is not in to you like he was before. It is a deadliest sign he is giving you. There is an odd case nature too , if he is experienced in cheating then he knows to cover up these signs .One of the common signs of a habitual cheater is he knows to place the curtains at proper end where you see his loving part alone.

    3. Sudden Care a lot Approach

    Whenever man cheats he will always have a guilt pushing him to be gentler, go an extra mile. Look at this sign as it is very common.Guilty feel that makes him to wear a mask and make you feel like nothing is wrong between you both . Though it Signs He’s Cheating , he is still into you . He knows how good you are and he himself feels he have done something wrong to you . But girls this time you should not fall mesmerized in the sudden care . Here the solution is make him feel so much loved that he feels guilty whenever he is cheating you , so he can leave his worst part in garbage and treat you like princess. Else talk to him if you find that he is cheating you and showing the drama of caring.

    4. Diverting the laptop or slapping it down

    You ask honey what are you doing and he says nothing just usual work, post which you lean to check what work and damn the screen is down. Work is boring and nothing to hide for hence concludes that he wants to hide something outside work.It is also one of the Signs He’s Cheating .

    5. Coming home late

    Comes home late when you ask he diverts his face and says just work honey and when you try to explore more he will shout at you and ask you to trust him, well there is a clear sign.One common word that men will always say is to “trust” . It doesn’t mean that when he ask you to trust him he is cheating you . But you should have your own sense to trust what and what not to trust. If he comes home once in a while late with an excuse straightaway don’t yell at him . May be he got stuck in the traffic or in work he may have some genuine reasons . But if everyday you are getting one or other excuse girls this is the time to be alert.Somewhere red signal started to blink in your relationship.

    6. Charging you for every bad thing

    Blames you for each and everything in a way to prove you are not good enough for anything. Finally he will use it against you to end things this is a sign. Like simple comparison like he regrets he haven’t got a love like his friend got . Then beware it indicates that’s the Signs He’s Cheating.He may give you are feel like he is the only man who can accept you at least to this extend he shows. If its the case then be alert your relationship is going in its worst path .

    7. Comparison

    She is better cook than you are, look at her dress I bet you could never be like that. Listening to these statement then just realize its a warning sign that he’s cheating you. This also shows he is not much interested in you .

    8. Needs privacy and so-called “Space”

    Out of nowhere the man who once would share his banking password will lock his phone, put patterns on phone and justify with the cover of “Privacy”, privacy is a good thing however look out if privacy is hiding something that you must know.Its agreeable point that everyone needs their own space in a relationship . Like some quality time to enjoy the day with their own circles , family , friends all. But when they need privacy like too much space where you doesn’t belong to their world. Then it is a sure he is hiding something from you and you can take it as one among the Signs He’s Cheating.

    9. Body language (Orator)

    Man can lie on face. To expose them is the body language, always look closely over hearing because while lying the micro expressions on his face will change he will be a little behind with respect to position while talking to you. Body language will reveal all that he wants to hide, there is a lot of material on web relating to same.

     

    10. Sex life changes

    He is more interested in new ways and he often talks about them however is never executing. Then it is a sign that he is super excited about someone else than you . And just want to feel that choosing someone new was better as you can’t be like his choice in bed . This is a red signal to relationship . If you are married and in your early days of parenthood don’t forget to keep an eye on your husband so noticing small change at beginning can help you to cut the tree in its budding.

    11. More concerned about appearance

    Man are carefree beings when it comes to appearance, they would prefer a beer. Man only dress to impress, as it is very easy sign to intercept always have a habit to ask questions.If you see him unusually getting dressed in a new style then its one sign that he is dressing to impress someone .But girls don’t eat his head when he is dressing well for his official meetings . But if it’s something not usual or official then note down its one of the best Signs He’s Cheating.

    12. Mood Swings

    He is happy suddenly he is sad or angry in the next second, while men are cheating they go through a lot mentally hence it is one of the signs. Sometimes you can see him thinking about something and smiling alone. Also you can see like absent minded at his usual activities . Becoming forgetful about important events , your birthday , anniversaries etc is also a usual scene which is pointed out by women who found their husband cheating.But one warning girls mood swings alone cannot be the sure Signs He’s Cheating.

    13. Behaviour change of your guy’s friend

    Friends of your man are very loyal to him even if he is not to you. They will start acting weird because they can’t hide what’s going happen next and will give you a lot of signs. Your man’s friend circle change need to be noticed very well . New people will show new life ,in that may be you will become odd choice . So always know about your man’s circle.

    14. Ladies following increases on social media

    Suddenly all the friends recently added to his profile are females, simply means that he is looking for someone else, in these circumstances it is best to have an open conversation.Also if you could trace him befriending his ex girl friend or his crush over the past . Then he lacks something in you and wants the same old wine close to lips. You may get justification like it’s all over , we are just friends . But girls its one of the warning Signs He’s Cheating. Also one other common point you can find is he keeps his social media accounts highly secured . His interest on liking photos of girls goes on increasing without no reason . These all indicates a red signal in the relationship.

    15. No Conversation

    You guys live in same apartment but act like strangers, he is not interested in talking this means he is not interested anymore . He is not cared about you like before , not looking to make time with you .All this are common signs that he is more interested in someone new. One common trend you can see is if you have been surprised with you inbox full of his texts and his curiosity to know about your end all in the beginning and its fading now . Then he is trying the same trick on anyone new as he know that you are already a fish he caught in his pocket . So in these type of aspects it is better to share your feelings and look if he can understand it. If it is still an unresolved complaint then think about your relationship.

    If your man is into you , then you can find him texting you so often.

    Read Also : Reduce Stress in Busy lifestyle with this Excellent Lifestyle Hacks

    16. Absence of Self Esteem

    Necessarily this should not be considered that he will cheat or is cheating however less secure man tend to seek out others for making themselves more comfortable. Be cautious!

    17. Those three golden words are long gone

     If he stops saying “I Love You” it is clearly a sign. Man will always express what they feel instantly and they will only express if they feel.

    18. Convicted charging the victim

    At times he might say that you are cheating on him when the reality is totally opposite. He will make all efforts to make you feel guilty however with no evidence. Unnecessarily relating you with any guys whom he is also sure that is a long time childhood friend of yours . When he is being charged for something he makes sure he finds something to charge you also. Why do guys do this mostly is as they know women always give first priority to justify them than to point at others when they are accused for something they never did. So girls just try to change the attitude at the right time when you are that its also Signs He’s Cheating.

    19. New words

    Your man is using new words which you never heard before. Evidently this is because he is with someone who tend to use those words more often and as a result of longer exposure with that person even your partner has picked them up.

    20. Sleeping pattern change

    One more way you could trace out if he is cheating. Sleep pattern is changed he is more exhausted or at times relentless and he is talking while asleep.

    21. Bills popping out of nowhere

    During the initial stage of a relationship exchange of gifts is an accepted fact hence look closely the rise unaccounted expense. Unaccounted expenses , finding bills or movie tickets without your knowledge . So make sure you communicate about this .It may not be exactly Signs He’s Cheating but it can be . So please chet it out before its too late .

    22. Music taste got changed

    He liked opera however in recent days he is spending his time more on jazz this sign might tell you that he is remembering someone he was with while they played or heard jazz.

    Read Also : Reduce stress & anxiety with these amazing essential oils

    23. Unknown device or accounts

    He will have mobile phones or accounts that you will never come to know about. This is because he wants to have something secret . So realize your relationship is going bitter.

    24. Little things have changed

    He use to get flowers for you on this way back home. Kissing you good bye while off to work has all stopped.

    25. You hear from his family much less

    There was a time when he use to speak to his cousins or family on a continual basis now the communication has reduced and avoidance has increased that is a sign.

    26. Deleting conversationsHe is deleting all the conversations on social websites or on his mobile phone for that matter he is hiding something. How you will wonder about seeing him online all time but not even a single messages on inbox nor any messages he sent to anyone. That feels like a burnt cake bottom which was opened with an expectation of getting one fluffy fresh cake .

    27. Wants to learn a new language

    Suddenly he wants to learn new language because he has got an assignment in foreign country look closely his lessons might hide his intentions.

    28. No participation in family get together

    He is not interested in your family get together and always makes excuses to avoid them. He is least interested in getting involved with your family because he sees no future.

    29. Mr Right

    He will try to prove himself right all the times so that he can mentally support his cheating decision.

    30. Emotional Void

    Relationship is driven by the fuel of emotions. Guys can never fake emotions. They will tend to avoid any emotional encounter with you when they are cheating.

    31. Social accounts

    Look close attention if your guy has more than one Facebook, Instagram or twitter accounts, who and for what purpose does he needs two accounts for?

    32. Smells different

    It’s not your or his usual perfume smell, it’s something else for which he is going to make a lot of excuses. This is one of the major sign which is easy to pick. It is something that is very easy to find out as every woman can find a different smell in their husband .

    33. The Touch

    Guys love to make their partners feel loved, touch is a lethal weapon that they use frequently. Absence of touch leads to some conclusion ladies!

    34. Cheating history

    This might not be a sure sign however as they say “Once a cheater, always a cheater” hence nothing wrong in taking measures.

    35. Reactions

    While in a phase where he is cheating you, he will have this mixed feelings. Due to which he will not even know how to react to any situation .It is a indicating Signs He’s Cheating. Thus you can wonder with his reactions that will be so weird . He may hug you when you are not in pleasant mind with him or he will be laughing out when you are sitting and weeping . One more nonsense you can sense is he doesn’t bothers your mental feelings as well as physical illness .Please pay attention to these signals he is giving you . But don’t get over reacted for this as it may be an occasional work pressure or other tensions.

    36. Gut feeling

    One piece of advice never ignore them, it is never harmful to be safe. Always notice what you feel.

    37. Dating profile

    Search for your partners on dating websites which are popular in your location.But this is a rare chance as they will be in their duplicate names and even duplicate pictures . But still worth a try to look out

    38. We need to talk 

    When he says we need to talk and is not able to complete the conversation, diverting and telling you stories that re not even relevant or not able to start the conversation at all there’s a sign.

    So dear precious ladies around , kindly pay attention but meanwhile make sure you really don’t become too clingy .

  • Quickly increase credit score in just 12 months -Easiest hack

    Quickly increase credit score in just 12 months -Easiest hack

    Credit Score is a term popularly used in the western countries especially in USA. If you are living in USA, you must have heard the name and know its importance already. Credit score plays a major role in your personal finance decisions in USA.Not just in US ,everywhere nowadays credit score matters . So everyone is in  search of ways to quickly increase credit score .

    Credit score is nothing but a three digit number assigned to an individual to evaluate his/her financial ability for repaying loan / mortgages. It can have a minimum value of 0 and maximum value of 850. The higher the value of credit score, the person’s ability to repay is good. If the credit score is lower, it means the person’s financial ability is not great.

    Quickly increase credit score in just 12 months -Easiest hack

    Given below are the values of the credit scores and their meanings.

    Credit score >750  –Excellent
    700-749               –Good
    650-699               –Fair
    550-649               –Poor
    <550                    – Bad

    It is always advisable to keep your credit score in Good or Excellent i.e your credit score must be greater than or equal to 700.

    Read more : Improve Credit Score For Getting Loan Approval – CIBIL Score Detailed

    Why your credit score should be good?

    You may be wondering why your credit score should be good and how it helps. A good credit score is very important in getting personal financing like car loan, housing loan, mortgages etc. For eg. If you want to buy a house or car, you will be applying for a loan. If your credit score poor or bad, your loan application will be rejected and you won’t be eligible for a loan. If your credit score is fair, you may get a loan but with higher interest rates. On the other hand, if your credit score is good or excellent, you will get a loan with reduced interest rates which will save you a lot of money. That’s why it is very important to maintain a good credit score.In short, if you want to get any personal finance from any provider, your credit score needs to be good or excellent.

    How credit scores are calculated?

    You need to know how credit scores are calculated before you try to improve it. The various criteria used in the calculation and their percentage are given below:

    • Your History of payments – 35%
    • Total amount owed by you – 30%
    • Length of your credit history – 15%
    • No of new credits – 10%
    • Various types of credits used by you – 10%

    How to increase your credit score from 550 to 750 in Twelve months?

    Now the biggest question is how to increase your credit score from poor to excellent quickly. If some company or person tells you, that they can help you to increase your credit score within a month or 3 months, don’t believe that. It is not true. It will take at least an year to build your credit score from poor to good and it takes lot of steps which has to be followed correctly and on time.

    You might have seen lot of advertisements in internet saying “Get your free credit report within 30 minutes”. Check those advertisements and obtain a free copy of your credit report from them. After going through the report, go through it completely with patience and make sure all the information in the report are accurate. For eg. A payment entry might be missing or printed on a wrong date. If there is any error, you can raise a complaint with the credit bureau and get help. If there are no errors, follow these below points to Quickly increase credit score in just 12 months .

    • Pay credit card bills / loan repayment on time:

    You should never miss a payment or pay it very late to keep your credit score good as the payment history contributes the maximum in the credit score calculation. Make sure of the auto pay facility from your banks or you can set payment reminders / alarms using any app. Or simply make a note of your payment dates in a calendar or a sticky note.

    • Don’t use too many credit cards:

      Many people get new credit cards to increase their credit score quickly. But in the long run, if the credit cards are not used regularly it will affect your credit score. If you want to Quickly increase credit score then you should be very much careful about the usage of credit cards. To build your credit score, you cannot keep your cards idle for long time. Don’t open new credit card accounts unless there is really a need.

    Read Also : Pros and cons of credit cards – All the Hidden Facts on Credit cards

    • Clear debts and Keep minimum balances:

    Clearing your debts regularly and keeping only minimum balances in your credit card will improve your credit score. You only have to pay less interest as the debt amount is low. Check the amount you owe for each credit card every month and make plans to pay it quickly. If you are not repaying the amount and keeping it same will reduce your credit score.

    • Don’t close credit cards:

    Closing your credit card will not help you in increasing the credit score as it will still reflect in your credit report. Instead of closing it, use occasionally or for small regular purchases.

    • Organize usage of credit cards:

    The best way to manage credit cards is to use it regularly.Organizing credit card is one of the best way to Quickly increase credit score. You will definitely have a regular expenses every month like paying rent, electricity, water, mobile etc. Prepare a table of all your regular expenses and allot your credit cards against them so that all your credit cards are used and nothing is idle.

    • Pay your bills more than once if needed

    If you have used your credit card to the near limit, it is good to repay two times in that month so that you won’t get much interest for the remaining amount and will also help to improve your credit score as you have made the repayment quickly.

    • Increase your credit limit

    If you have some financial problem and have used the maximum limit for your card, but could not repay it, then request your credit card company to increase your credit limit and keep the increased amount idle till you repay the debt. In that way, you can avoid a decrease in your credit card score.

    It is not a giant task to maintain a good credit score. Anyone can do it provided you spend some time regularly for organizing your credit cards, planning and making payments on time.

  • Mutual Fund A Complete Guideline – All You should Know

    Mutual Fund A Complete Guideline – All You should Know

    Here we will discuss all about mutual fund including basically what is a mutual fund and the different types of mutual funds. Also we will focus on how to analyse the performance of the mutual fund investment , mutual fund table . By knowing all this you will yourself have an idea about it but still we have given what you should know to choose the best mutual fund.

    So now lets start with the basics of our topic.

    What is a Mutual Fund?

    Mutual fund is basically a type of investment fund which is formed by combining various stocks and shares. It is generally safer than shares and provides good returns as many of the funds have a locking period of three years. i.e Like a Fixed deposit. Mutual funds provide a higher interest than traditional fixed or recurring deposits.

    In India, mutual Funds are becoming more popular as they are used for tax saving purposes in. They provide quick returns compared to the Life Insurance Policies which were used mainly for tax purposes before.

    Read Also : Investment on Stocks and Shares -Pros and Cons

    Different types of Mutual Fund

    There are basically four types of mutual funds available in the market and they are given below.

    1. Fixed Income funds
    2. Money market funds
    3. Hybrid funds
    4. Equity funds

    Fixed Income funds – These funds are also called bonds or bond funds. As the name indicates, the money is invested in such a way to provide the investor a fixed income. Mostly the money are invested in government based organizations as they are more stable.

    Money market funds – In these funds, money is invested for a short period of time but can yield a decent amount of return compared to the traditional fixed deposits in banks. Your money is very secure in this type of fund and you don’t have to worry about losing it.

    Hybrid funds – As the name indicates, here the money is invested both in bond funds and equity funds. We can call this fund as “Funds of Funds” .

    Equity Funds –See the below section , we have detailed it.

    What is Equity Fund?

    Equity Fund is the most popular type of mutual fund where the money is invested in stocks and hence it is also known as Stock Funds.  It can be open end or close end fund. Money is invested in the stocks of various types of companies.

    Different types of Equity Funds

    There are many types of equity funds available in the market and the most popular ones are below.

    International / Global Equity Funds – As the name indicates, these funds invest in stocks of companies outside your country.

    Sector Equity Funds – These funds invest in different sectors like telecommunication, banking, IT etc.

    Index Equity Fund – This type of fund follows a predefined set of criteria and tracks specified investments. E.g. S&P 500 Index Fund.

    Read Also : Short term Investment Plans – Pros & Cons

    How to choose a mutual fund?

    There are thousands of mutual fund schemes available in the market and you should be careful in choosing the right fund according to your needs.

    Low Expense ratio

    Find out the expense ratio of the mutual fund you are planning to buy.  Expense ratios include the administrative fee, annual fee, management fee and other expenses. It varies from 0.25% to 1% of the assets. It is advisable to choose a fund that has expense ratio less than 1% as it will perform well when compared with funds having higher expense ratio.

    Low or No fees

    Usually mutual funds will have two major fees namely front load fee and back load fee. Front load fee is the amount deducted when you buy the mutual fund whereas Back load fee is the amount deducted when you sell the fund. The value of this fee may vary from 3% to 8% of the total invested amount. To avoid this, you can buy mutual funds with no load fees called no-load funds as this will save some money.

    Analyze the past results

    Before finalizing the mutual fund, make a complete analysis of the results of the fund over the past few years. In this way, you can find out whether the fund is performing constantly and making profit.

    Know your objective

    Why you are investing in mutual funds? Are you expecting a short term gain or you have a long term goal? Definitely you should have a concrete answer for this question for choosing the right fund. If you have a long term goal, you can invest in volatile funds with some risks but can yield a high profit in the long run. If you are expecting a quick return, then it is better to invest in stable funds like government companies.

    Read Also : Gold purity and hallmark -Buyer’s Guide to choose the Pure Gold Jewellery

    What is a Mutual Fund Table?

    You can find the mutual fund table in financial related websites or newspapers. Understanding the mutual fund table helps in knowing more about the performance of the mutual fund. A sample mutual fund table is given below.

    52W high & 52W low – This represents the highest and lowest value of the mutual fund over the past 52 weeks or one year.

    Fund – Name of the mutual fund

    Spec. – It explains the various characteristics of the mutual fund. For eg. N means No-load, FR means front end load.

    $chg – Subtracts the current price with the price of the previous day. If it is -, then price has decreased, else it has increased. (Currency denoted in dollars).

    %chg – Same as $chg. The difference is expressed in percentage.

    high & low – These two fields represent the highest and the lowest prices of the mutual fund in the past week.

    cls – Closing price. i.e final price of the fund at the end of the day.

    $chg – Change in the price of the fund from the past week. (Currency denoted in dollars).

    %chg – Change in the price of the fund from the past week.

    How to know the performance of a mutual fund?

    • Find out the returns the mutual fund can offer in 1 year, 3 year and 5 year time period. It can give a good idea about how much returns we can expect. Also find out the record of the mutual fund for the past 5 to 10 years.
    • Try to understand the investment strategy of the particular fund. i.e where the fund is going to invest the money.
    • Find out the history of the mutual fund. i.e how long it is in the market. If it is old, then it should be a safer mutual fund as it has survived for long time.

    Mutual funds is a very good option of investment with high returns compared to the conventional fixed deposits provided we choose the right type of funds.

  • Tax clearance in Malaysia – A detailed overview of Malaysian Tax

    Tax clearance in Malaysia – A detailed overview of Malaysian Tax

    Tax payers always will have one or other questions that will be with unclear answer for them. So here we will focus on our best to help you with Tax clearance in Malaysia . Hopefully this will give you a better idea.As we would discuss the important aspects you should know about the Malaysian Tax system and the procedures .

    Malaysian Tax – What is tax clearance in Malaysia 

    Tax clearance is nothing but a letter or certificate issued by the Malaysian Inland Revenue (LHDN – Lembaga Hasil Dalam Negeri Malaysia) which says that if have any dues with the income tax department of Malaysia. This letter is issued for local people as well as expatriates in Malaysia.

    Tax clearance letter will also indicate if you have paid any taxes in extra or any pending amount is there. If you have paid in excess, you can contact your employer to get a borne letter from them. Once you give the borne letter to the LHDN office, you will receive the refund to your bank account in few weeks of time.

    Tax clearance letter is needed to get any sort of final settlement from the company. Legally any company can hold up to 3 months of your salary till you get the tax clearance certificate.  So it is very difficult to think of changing jobs without a tax clearance letter.

    Tax clearance is not needed if you are residing in Malaysia and working in a job. This is a brief of Malaysian Tax system.

    Who has to pay tax in Malaysia?

    Income tax is available in all countries throughout the world and Malaysia is not an exception. So according to Malaysian Tax system ,if you are an expatriate (An expatriate or expat is a person who is living temporarily or permanently in a country other than his home country) working in Malaysia for less than 2 months or 60 days, then you will not be taxable.

    If your stay is more than 182 days, then you will be considered as a resident. Otherwise you will be considered as a resident. The tax percentage varies between residents and non-residents.

    What an expatriate should do for getting tax clearance-certificate in Malaysia?

    According to Malaysian Tax system , if you are an expatriate working in Malaysia, then you need to inform the Malaysian Inland Revenue (LHDN) within two months after your arrival and register with them for paying income tax. The financial year in Malaysia is from 1st January to 31st December and the income tax returns have to be submitted before 30th April every year.So being an expatriate in Malaysia your tax clearance happens in this way.

    Read More – Gold purity and hallmark -Buyer’s Guide to choose the Pure Gold Jewellery

    When tax clearance is needed in Malaysia?

    You need to apply for tax clearance certificate under any of the circumstances below.

    • Leaving Malaysia for a period of more than three months.
    • You have resigned from your job.
    • You are terminated from your job.
    • Your contract period has come to an end.
    • You have retired from your job.
    • Leaving Malaysia permanently.
    • If a person dies while he is working, his immediate blood relation or kin should apply for tax clearance within 30 days from the date of death.

    If you satisfy any of the criteria above, you can get your last month salary only after getting the tax clearance letter. Also you will not get your settlement money like overtime pay, gratuity, leave salary, provident fund or any other compensation till you get the tax clearance letter from LHDN and your employer will retain the money.

    For resignation, retirement, ending of contract or leaving Malaysia you have to apply for the tax clearance letter at least one month before your final day of work.

    How to apply for a tax clearance in Malaysia?

    For applying tax clearance letter, you have to contact your employer and they will give you appropriate forms depending on the criteria.

    • Form CP21 : This form also called ‘Leaver form’ is applicable for expatriates leaving the country for a period of more than three months. The form should be sent to LHDN at least a month prior to your departure date.
    • Form CP22A : This form is applicable for expatriates or locals working in the private sector and needed when they resigned, retired or terminated from their job.
    • Form CP23A : This form is applicable for expatriates or locals working in the public sector and needed when they resigned, retired or terminated from their job.
    • In case of death of the tax payer, then the employer should be immediately informed and they in turn should inform the LHDN.

    After filling the appropriate form, you can submit it online or in person to the LHDN office where your income tax information is registered along with the necessary documents. Online facility can only be done through your employer by using e-SPC.

    Late submission of tax clearance in Malaysia

    The Malaysian law is very strict on tax clearances. So please make sure that the tax clearance form is submitted on time as there is penalty fee depending on the time of delay.  The fees may vary from 200 to 2,00,000 Malaysian ringgit (MYR). There is also a chance of imprisonment for the individual if the tax clearance form is not submitted on time and it may be from 1 month to 6 months. For companies who did not submit tax clearance on time, LHDN will take legal measures against them.

    Read Also – Improve Credit Score For Getting Loan Approval – CIBIL Score Detailed

    Processing time of tax clearance in Malaysia

    The processing time for your tax clearance letter is 10 working days from the date the application was received by LHDN. You may receive the letter within a week also.

    Documents needed for tax clearance

    To apply for the tax clearance certificate according to Malaysian Tax system, you need the following documents.

    • Original Passport ( This will be returned back immediately after the copy of the passport is verified)
    • Copy of all pages of your current passport
    • Form CP21/22A/23A: The form appropriate for your need with all the information completely filled and duly signed.
    • EA form – Company will give this form every year .Keep form for all the years you have worked in Malaysia.
    • BE form for current year
    • NR 51: List of stampings made in Malaysia in your passport.
    • Pay slip (Not mandatory)
    • PCB II Letter

    Before submitting the documents you need to find out the LHDN office that is processing your income tax returns. You cannot submit the documents to any other LHDN office as they won’t process your application.

    Make sure you follow all the above points and apply for the tax clearance on time without fail. So as you can get your tax clearance in Malaysia easily .

  • Reduce stress & anxiety with these amazing essential oils

    Reduce stress & anxiety with these amazing essential oils

    In today’s fast moving world, almost everybody is facing stress and anxiety at some point in their life and only the level of stress varies between person to person. Because of stress, people are facing many problems both in their personal and work life as stress in once place automatically affects them in other place also. Many health disorders arise because of stress and people are getting old soon. For example, experts say that the main reason of infertility in men and women is due to stress. So it is very important to manage , control and Reduce stress & anxiety .

    Excellent ways to Reduce stress & anxiety

    We cannot analyze why people get stressed as there are various reasons and it differs from person to person. In personal life, stress and anxiety reduces happiness whereas in work life it will affect the performance. So it is very important to reduce stress and anxiety to lead a healthy and happy life.

    Before going on to the exact title of excellent essential oils to Reduce stress & anxiety, lets get acquainted about some facts related to stress and anxiety.

    What is the difference between stress and anxiety?

    Are stress and anxiety the same? No they are not. Stress comes first before anxiety and it is nothing but a reaction to something which is not good or cannot be handled by us. For eg, we can say people working in night time jobs have more stress because their sleep cycle is changed from the normal one and it will take time for the body to adjust. Anxiety is the after effect or reaction of stress.

    Read More – Reduce Stress in Busy lifestyle with this Excellent Lifestyle Hacks

    How to reduce stress and anxiety?

    Although there are many techniques like yoga to reduce stress anxiety is very popular, meditation, music therapy, laughing therapy for reducing stress and anxiety, using essential oils in herbs reduce stress anxiety tension is becoming very popular to reduce stress as it is simple and very effective. Aromatherapy is nothing but using the aroma or smell of the oil to cure problems.

    5 ESSENTIAL OILS for reducing stress and anxiety

    Below are the five essential oils commonly used for reducing stress and anxiety. It is known as aromatherapy to reduce stress.

    1. Lavender oil

    Lavender oil is the top selling and widely used oil for reducing stress and anxiety. Lavender is basically a medicinal herb that has not only a good fragrance but also has got a mild sedative in it which helps to relax our muscles thus reducing pain and gives a good sleep. It is mainly used for reducing anxiety as well as depression and improves the overall nervous system in our body. It is also used for calming our heart thereby improving the heart beat rate.It is really ideal to Reduce stress & anxiety .

    How to use lavender oil?

             You can use the lavender oil in many ways.

    • Mix few drops of lavender oil in the water before taking bath. This helps to glow your skin and keeps you fresh throughout the day.
    • Spray few drops of lavender oil in to the air either in your office or at home to rejuvenate your body and mind
    • Pour few drops of lavender oil in to your right or left palm. Gently rub it with the other hand smell it. You will feel energetic.
    • Apply few drops of lavender oil in your feet before sleeping. You will feel fresh when you wake up in the morning.

    1. Rose Oil

    Who will not love roses? Rose is the most beautiful and popular flower in the world. So it is not surprising to know that essential rose oil is the most widely used oil next to lavender oil. Similar to lavender oil, it also helps in relieving stress and anxiety to a great extent. It is used by women for reducing the health problems due to menstruation like cramps, pain etc. It is also used by pregnant women as a good relaxation for their muscles. Rose oil is very good antidepressant as it is very effective for reducing depression. It is also used for treating wounds and infections.

    How to use rose oil?

    • Pour few drops of rose oil in to your right or left palm. Gently rub it with the other hand smell it. You will feel fresh. Instead of pouring it in your palm, you can also pour few drops in a cloth and inhale it.
    • Rose oil can be applied in any part of the skin like hands, legs, stomach etc. It can also be applied on the hair.
    • Mix few drops of rose oil in the water before taking bath.

    1. Jasmine Oil

             Jasmine oil is a very good reliever of anxiety and stress. It is the best oil for all ‘first time’ events like going out with you partner, attending an interview, hosting a party etc. It is not only helpful to Reduce stress & anxiety ,it  helps to gain more confidence and relieves your anxiety. It is also used for healing depression, insomnia, hormonal imbalance etc. We can say jasmine oil is the best booster to quickly change a dull mood. Jasmine oil is very popular in Asian countries as the flower is more grown there.

     How to use Jasmine oil?

    • Jasmine oil can be inhaled easily by applying few drops on your palm or a tissue.
    • It can also be applied on any part of the skin as well as hair.
    • You can also mix jasmine oil with other oils like coconut oil.

    1. CedarWood Oil

    Though the name is not attractive like other essential oils, Cedarwood essential oil is also a very good reliever of anxiety and stress. It helps in healing headaches and other migraine problems that arises because of stress and anxiety. It also helps in strengthening the muscles and improves the overall health of our body. It can also be used to prevent bugs and other insects entering our home.

    How to use CedarWood oil?

    • Apply few drops cedarwood oil on your pillow to get a peaceful and calm sleep without any insect bites.
    • You can apply cedwarwood oil along with your body or skin lotion. 

    1. Sandalwood Oil

    In India, Sandalwood is considered very precious and divine. In some temples, they offer sandal powder to the devotees and they keep it on their forehead. It helps them to relieve their stress and remain calm.  It is a very good booster for our memory and improves our thinking and concentration.
    Sandalwood oil is a very good antiseptic and can be treated for wounds and bites. It also helps to cool our body temperature and is very handy to face the hot summer.

    How to use Sandalwood oil?

    • Apply sandalwood oil on any part of the skin as it has a pleasant aroma and don’t have any side effects.
    • You can pour few drops of sandalwood oil in your fragrance bulb so that you will get a pleasant aroma throughout your house.
    • Apply few drops to the water before your bath. Your body will smell great and fresh.

    Stress , anxiety , depression one of the worst things to deal with in life . So here we detailed a natural way to Reduce stress & anxiety with some of the most essential oils.

     

  • Purchase without credit card top hacks

    Purchase without credit card top hacks

    In a world of online transactions many people fall short of the payment options they have to their disposal. Online transaction when thought of the first thing that pops out of our pocket is our credit cards, isn’t it ? Well good news people, out there we have got a plenty of options to get debited from and credited by the product or services we ordered.For some making purchase without credit card is “Taboo” involving a lot of risk and complication. As a matter of fact paying through any option other than credit card is as easy as to pay it through credit card, Confused huh? Here are quite a few options and facts to go through and enhance the shopping experience without a credit card yes you heard it right.

    Excellent hacks to Purchase without credit card 

    Here we are discussing about the 10 excellent ways to make payment without credit card. So this will expand your world of online transactions really. For masters in internet and cash dealings online this is not going to be a great deal but still have a look ,what if you could found something new here . And for newbies to online transaction world just go through it as you can find it quite relaxing and helpful i guess.

    So here is the top 10 ways to Purchase without credit card :- 

    1. Debit card

    Debit card can be considered as primitive mode of transaction and feels like it is with us since ages easy, involves less risk and identical twin of credit card is widely acceptable. Debit card hold a whopping 45.7% of total online transactions made globally since 2010, technically speaking if 1000 transactions are made 457 will be accounted by debit cards. Huge!

    Debit cards are easy to use payment options and almost every online platform supportive, user should know the Card Number, Expiry Date, CVV code and Card Holder Name to initiate a debit card transaction and guess what all the details are very well printed on the card you are using.

    1. Cash On Delivery

    “Cash on Delivery” is very hassle free way to get the payment done. Order the product in the stipulated time delivery men swoops in gets the product and demands cash, in no time transaction is complete, provided if you pay the cash. Also referred as COD is a secured mode of payment as it is much of a hand-to-hand cash transfer. COD is also supported by most of the platforms out there.It is a method of not just Purchase without credit card but its like no need to know about card purchases at all. Just like you buy and you pay the paper cash .

    Read Also – Pros and cons of credit cards – All the Hidden Facts on Credit cards

    3. Bank transfers (EFT)

    EFTs otherwise known as Electronic Fund Transfer is yet another mode of payment which takes place using a internet account provided by the respective banks. For example XYZ bank will provide username and password which can be used for internet banking to login, it is a virtual account through which user can make payment to specific website, seller or individual. As far as security is concerned the transactions are encrypted from bank’s end hence provides trustworthy security.

    4.Virtual wallets

    A range of wallets are available online to cater the need. Virtual wallet works in a way similar to a physical world wallet, user needs to en-cash the wallet post which it can be used for online transactions. Virtual wallet can be used without the bank account being involved while the transaction which is a bright side, most of this wallets also back you up with mobile application. In terms of security virtual wallets are pretty tight, virtual wallets are a good way to pay because user need not input data and fill up forms which makes it easy to pay option.One of the excellent and risk free way to Purchase without credit card.

    Companies like Google, Apple, PNC, Samsung, PayPal are few of the companies which provides virtual wallet, in a need to be the best in the market companies shell out a lot of offers which in a way can help users save a few bucks.

    1. Virtual Credit Cards

    Virtual credit card can be used rather than a physical credit card as it involves risk and fraud, virtual credit cards can’t be stolen, lost or cloned as they are issues for a period of two and twelve months. Virtual credit cards have a limit of transactions and the credit card numbers generated are either by a web application or client software making it more secure. It is a best alternative to credit card .

    Virtual credit cards are also famous by the names : “Substitute credit Card Number” , “One-Time Use Credit Card” , “Disposable Credit card”.

    1. Bitcoin

    Cryptocurrency are a new and innovative way to make online payments. Bitcoin is one of those currency option which is in use. Invented by Satoshi Nakamoto on 31st October 2008, bitcoins; since then many platforms do not provide support for the same however they are constantly developing methods to get the currency in implementation. Bitcoin are a peer-to-peer transfer technology where in there is no regulation of bank in between.Its one of the effective way to choose to Purchase without credit card system.Bitcoin have a equivalent value to the real currency. Bitcoin can be stored in a virtual wallet provided by the bitcoin organisation and can be paid to any particular or organisation. Bitcoin is currency of future.

    Read Also – Safe Online transactions Tips & top 12 safe online transactions methods

    1. Gift Cards

    Gift card can serve two purpose at a time one being the method to pay for a product or service and the  later being gift to someone special. The user can use the gift card  in the specific website that has issued the card or they can use it across the platforms. Gift cards have a specific value attached to it, gift cards come with a expiry date so be cautious with the time they will be valid.

    Many platforms namely Amazon, E bay and many other companies provide these gift cards.

    1. Redeem Points or Rewards

    Who wouldn’t like rewards or points to redeem? This payment mode is personally my favourite because it is the reward that one gets against purchase made. Points or rewards are loyalty programs initiated by companies in a way to retain customers and making an effort to reward customer as a result of continual purchase.

    These points can be redeemed as and when they reach specific value fixed by the companies providing the points.

    1. Pay near me

    As the name suggests user can order the product or service online and can choose a spot nearby and go and make the payment. Pay near me is beneficial when the user is in a place where pay near me location is near by. User can get the product and then make the payment in fixed time at the location.This is like just safe on hand and one most loved way to Purchase without credit card.

    Read More – How to secure bank account from hackers

    1. Cheques or Money Orders

    Last but not the least, some might call this methods old school however they are still alive and robust mode of payment. User can buy product online and send a cheque of the amount and once the cheque is cleared and amount is received by the seller the items are shipped. Money orders works in a similar fashion once you get them issued by the banks or post office they should reach seller and post cash is drawn from them items are shipped. These methods are on average of extinction as they involve a lot of time to complete. But still just to remember something which was popular old school trick i thought to add it .

    Hope i have discussed about something worth related to methods to Purchase without credit card . If i have missed out any of the important methods i really apologize for the same as well , may be sure i will post on those i miss in this shot.

  • Weight loss booster Foods you should take before & after exercise

    Weight loss booster Foods you should take before & after exercise

    Hey guys,  today we will talk about some healthy eating habits .This will boost the efforts you are putting in to get rid of those extra kilos along with the workout. Who doesn’t want to be in shape today? When talking about shape we never consider round as a shape when it comes to the physique. A good knowledge on diet is must while you are doing any workout. Else you will end up saying ” Nothing works for me “. So here is the list of amazing Weight loss booster Foods you should take to maximize your weight loss with workout .

    Amazing Weight loss booster Foods before and after workout 

    For ease in understanding we will be dividing the article in two sub types: food before work out and food after workout.

    Weight loss booster Foods before workout
    • Banana
    • Oats before 45 to 50 minutes of workout
    • Whole wheat Bread with peanut butter
    • Fruit with Yogurt
    • Veggie Omelet
    • ¼ cup grape slice mixed with ½ cup cottage cheese
    • Berries mixed with yogut
    • Fruit smoothie made of soy milk
    • Raisins
    • Applesauce
    • Few crackers

    Here let’s see some of the most preferred weight loss booster foods before workout in detail and get to know why they are so important and effective.

    1. Banana

    Never go on a workout empty stomach as it might have reverse effect. To start with banana is a good option to start your workout with, also considered as a happy fruit banana is rich in vitamin B6 which helps in metabolism and converts food into energy which will come on handy while workout.So banana is a best known metabolism boosters for weight loss. Banana not only will help as a pre workout snack but also relieve stress, helps quit smoking and of course helps in weight reduction as it is rich in fiber. Banana can also be consumed in form of liquid by jazzing it up a little with nuts or fruits one can enjoy a smoothie as well.

    When talking about banana i want to tell you guys something very important . So i am just making it in points for your easy reading .

    • Whenever you see the banana with dark brown spots in its outer cover it means it is the best one , so avoid throwing it to your bin . Such a healthy natural food which is good for plenty of things should be loved .
    • Banana accelerates weight loss as it has very low level of glycemic index.

    Read More – Amazing Fitness Apps To Track Calories & Keep You Motivated

    Myths on Banana 

    Banana is an amazing food for health , skin , hair  and so on . But when coming to the topic of weight loss there is a buzz . Here you must pay attention for the right information to help to be in shape .

    1 ) Is it Banana a weight loss food ?

    Yes , Banana has the glycemic index in very low level so banana is a weight loss food.

    2 ) Is it Banana a weight gain food also ?

    Yes you heard it absolutely right banana is both a weight gain and weight loss food . It depend on the quantity you eat and how you eat.

    3 ) How to eat banana to lose weight ?

    Banana is a weight loss food but you should consume less . Eat one or two banana per day if you are including banana as a food to lose weight . Eating more will make you fat without any doubt .

    4) Which type of banana you should eat to lose weight ?

    There are numerous varieties of banana but all is not going to help you with weight loss. So the right banana varieties to lose weight faster –

    • Baby bananas (US )
    • Burro bananas
    • Cavendish bananas(Chiquita)
    • Red bananas, and
    • Plantain bananas.

    1. Oats

      Rich in nutrition again oats not only serve as excellent pre workout food but also good for blood sugar, blood pressure, digestion, maintains cholesterol and much more. Oats enhance the performance during workout make sure the consumption of oats should be at least 45 minutes to 1 hour before workout.

    1. Whole wheat Bread with peanut butter

    Next to hit the list is whole wheat bread and peanut butter the whole idea behind the combination is one will amplify the goodness of other, well also tastes good. Whole wheat will give you the essence of completeness and peanut butter with its nutritional excellence boost your regime in shedding those extra kilos by keeping you intact during workout.You can try out a lot of recipes just by adding banana, jam or berries to the combo and make it more appropriate to your taste buds.

    1. Fruit with Yogurt

    The next food which falls under the list to shed those extra kilos is Fruit with Yogurt. Best thing about this food choice is it is open to experiment, one can try out a variety of fruits and mix it with yogurt as a pre workout food. Yogurt needs no introducing when it comes to nutritious facts. A number of companies after noticing the high consumption of Yogurt have started offering a variety of yogurt with different forms and flavors.Yogurt is a product of milk. Merely 100g of yoghurt provides 97 kcal of dietary energy, it contains protein, fat and carbohydrates which makes it a good option as a health fruit plus there is a lot of good taste in that food people. Grab one!

    When saying about yoghurt then the best suggestion is greek yoghurt when it comes to the matter of reducing weight quickly .

    1. Veggie Omelet

    Name says it all. Veggie Omelet a perfect pre workout food. Prepared with an amalgamation of veggies and eggs this dish is a delight for foodies and a boon to workout enthusiasts. Veggies provide the essential nutrients, dietary fiber and vitamins, vegetables naturally contains low fat and calories. Omelet helps you in muscle building and has the highest available protein considering whole foods. Again the food not only suffice the pre workout meal but also is rich in taste.

    So we have discussed about the important Weight loss booster Foods to consider before workout .When pre workout foods are that much good who wouldn’t do it, I want one ASAP.

    Read Also – Hidden Poisonous Food In Our Kitchen

    Weight loss booster Foods after workout
    • Mashed potato and salad
    • Tuna, Salmon
    • Dry fruits and nuts
    • Cereal and skim milk
    • Chocolate milk with protein powder
    • Chicken
    • Protein shake ( ½ banana with 1 spoon protein powder mixed with almond milk and hemp seed.
    • Roasted chickpea and salad
    • Steamed veggies
    • Quinoa bowl and  blak berries one cup each and pecans for ¼ cup
    • 2 Slices of multi grain bread and agave nectar , you can have bread with raw peanut butter too.
    • ½ cup of Burrito and beans +1/2 cup brown rice +sals  and 2 tsp guacamole.

    Here let’s see some of the most preferred weight loss booster foods after workout in detail and get to know why they are so important and effective.

    1. Chicken

    Chicken easy to cook food and has there is plenty of recipes that you can try out as it is open to experiment since the question who came first Chicken or Egg. Well we don’t have answer for that but chicken is the answer for your post workout needs.

    It is such as excellent post workout food .Can be tried with salad, other meat, fish, and veggies or wrapped in a sandwich; chicken says no to nothing it all starts with your creativity and ends in your stomach.

    1. Mashed potato and salad

    Mashed potato with salad contains all of it Protein, Carbohydrates, Fat and other nutrient which will be needed by the body post work out to cut those extra kilos from its roots. Mashed potato with salad is easy to make food, which will not engage much preparations as well. What you need is some potatoes and salad mix it up and you are there. Try out the recipes on the web there a plenty of them choose according to the preference.

    1. Tuna, Salmon

    Who doesn’t know about all the health benefits these fish have under those shinny skins? Tuna is a salt water fish in every 100g of Tuna there is 200kcal worth energy on top of that tuna is rich in protein, vitamins and minerals and appreciated all over the world for its good taste so a win-win situation. One advantage of tuna is it can be mixed with salad or eggs and there are a lot of options to jazz it up a little and come up with something healthy of course and tasty.

    Salmon is also a popular food, it is an oily fish. Technically salmon is rich in omega 3 fatty acid which helps in metabolism. What you waiting for people get those fish on your plate.

    1. Dry fruits and nuts

    Needs no address Dry fruits and nuts, high on nutrition. I would consider dry fruit and nuts to be a food of individuals who are on go as they might not find the time to cook or make something for them, dry fruits and nuts will come to their rescue. Dry fruits and nuts can also mixed with milk or any other liquid and can be consumed as they will amplify the effect of the liquid as well.

    Read Also – Reduce Stress in Busy lifestyle with this Excellent Lifestyle Hacks

    5. Cereal and skim milk

    Sounds a lot easier isn’t it? Indeed it is! Providing all the necessary post work out elements to shed those extra kilos. Skim milk because the whole milk have a lot of fat which might hamper the effort on a smaller scale however it will hence as they say precaution is better than care and well said opt for skimmed milk. Cereal of your choice again you can jazz it up by adding a little honey and fruits. Again the taste is all that has to be brought up by you. It is one of the best Weight loss booster Foods . High on nutrients will suffice your need to have something post workout.

    6. Chocolate milk with protein powder

    Waiting for something yummy to appear here it is then. Chocolate milk with protein powder the name is enough to get the mouth all watery. Chocolate milk rich in nutrients will help you in recovery post a workout because recovery is essential to get you going. Chocolate milk high in protein helps muscles recover which are rough after lifting those weights. Protein powder addition will satiate the demand for protein powder which any way you might take.

    So here we have covered some of the best pre and post workout foods that can help you lose weight quickly and listed out more food list as well.Hope this will help you out to be slim and fit .Weight loss booster Foods on workout can really help you because only workout alone can give you the dream body you are longing for .

    So Eat to lose weight this time 🙂

  • Amazing Fitness Apps To Track Calories & Keep You Motivated

    Amazing Fitness Apps To Track Calories & Keep You Motivated

    Do you want to be slim and fit? The only way you can achieve that is by doing regular exercises as they helps to shred the extra fat and makes our body look slim and fit. But how many of us do exercise regularly? The answer is ‘No’. Though many of us want to do exercise daily, we are not able to set and maintain a time schedule for that.Currently the only part which is getting fitness through mobile phones is our fingers as we keep on swiping it. Why not use it to keeping our whole body fit? This is where fitness apps come in to picture.

    It helps us in various ways from teaching various kinds of exercises to tracking our weight and motivates us a lot. Let us see the top 15 fitness apps that helps to keep our body fit.

    Amazing fitness apps To Track your calories & stay motivated

    top-15-fitness-apps

    1. MyFitnessPal

     MyFitnessPal is one of the popular fitness apps that has been rated as excellent by many websites and magazines. It not only keeps tracks of the calories of the daily food we eat but also has a database of more than million food recipes which helps to plan your diet and shred the extra calories easily.

    myfitnesspal

    Platforms Supported: iOS, Android

    1. 7-Minute Workout

     Can you believe you can lose weight easily and keep your body fit by only spending 7 minutes every day? Yes. It can be achieved by the 7-minute workout app developed by Johnson & Johnson Health and Wellness Solutions, Inc. 7-minute-workoutIt is very simple and motivating for the beginners as they have to spend only few minutes every day to keep their body fit. It teaches workouts for various parts of the body and keeps track of the results achieved. It is one of the best fitness apps for android and iPhone.

    Platforms Supported: iOS, Android

    Read Also : Hidden Poisonous Food In Our Kitchen

    NoomCoach

    noomcoach

     NoomCoach  helps to set the health goals for keeping our body fit and also makes a daily food or diet plan to achieve that very easily. To get motivated, you can join or discuss with other people or Noomers and check out what’s happening.

    Platforms Supported: iOS, Android

    1. Charity Miles

     charity-miles

    Do you want to help someone and losing weight at the same time? Then Charity Miles is the best app for you to do that as it donates the money obtained when you walk or run and the app tracks your step count and running.

    Platforms Supported: iOS, Android

    1. MotionTraxx

     motiontraxx

    Mostly we will hear some music using headphones when we jog or walk. It is very important to choose the right music which will help or motivate the workout. MotionTraxx app will help you to create a perfect playlist depending on the speed of your workout.

    Platforms Supported: iOS, Android

    1. Stronglifts 5×5

     stronglifts-5x5

    Stronglifts 5×5 is a perfect app to use when you do workouts in the gym as it helps you to count the number of reps you are taking. It is very useful for keeping track of any weight lifting exercise. It is thus one of the best workout apps.

    Platforms Supported: iOS, Android

    1. Fitocracy

     fitocracy

    Most of us can easily understand anything expressed in terms of images rather than text. Fitocracy gives a graphical representation of the improvements achieved by doing various exercises like walking, running, weight lifting, gardening etc. and motivates us to improve more.

    Platforms Supported: iOS, Android

    1. Spotify Running

    Spotify Running is a part of the popular digital music app named Spotify. It measures the speed at which you walk or run or do any sort of physical activity and selects a song that matches your speed. For example, if a fast track is played when you are running, it will increase your speed more and makes you feel more energetic.

    Platforms Supported: iOS, Android

    1. Runkeeper

     

    As the name indicates, this app helps to keep track you runs very efficiently. Runkeeper also analyses your performance and suggests for improvisations. You can get more motivation by inviting your friends or creating a group and comparing your figures.

    Platforms Supported: iOS, Android

    1. Lift Session

     

    This app helps you to connect with fitness trainers all over the world and get support or feedback from them easily. The trainers can also conduct classes online and it saves a lot of time as you don’t have to travel anywhere for learning exercises.

    Platforms Supported: iOS, Android

    1. Human

     

    If you would like to customize your workouts and don’t wish to follow any program, then Human is the right app for you. It is very simple and you can add all the exercises you do for 30 minutes of time. It also helps you to set your goals and keep track of it.

    Platforms Supported: iOS, Android

    1. EveryMove

     

    Will it be really motivating for you if somebody gives a gift for doing exercise? EveryMove app does that. You can earn points for doing any physical activity using this app. Once it reaches the defined level, you can get rewards from the app which will motivate you a lot.

    Platforms Supported: iOS, Android

    13. Endomondo

    Endomondo is the best app for tracking walking, cycling or running outside your home for a few miles or kilometers. It helps to track the distance covered, time taken to cover the distance, speed and the calories burnt.

    Platforms Supported: iOS, Android    

    Read Also : Disinfect Baby Toys Naturally With these Top 3 Methods

    1. GAIN Fitness Personal Training

     If you need a professional and certified fitness trainer for doing workouts, then GAIN Fitness Personal Training  is the right app for you. It helps you to choose the fitness trainer based on your geographic location. You can get personalized workout techniques and advice from the trainers through this app. You can meet the trainer in person once a month or so according to your convenience.

    Platforms Supported: iOS, Android

    1. DailyYoga

     

    Are you interested in doing yoga and you don’t have time to attend classes? Then DailyYoga is the best fitness app for learning and practicing different yoga postures. It has a detailed explanation of more than 500 yoga postures. You can choose postures that suits your needs.

    Platforms Supported: iOS, Android

    It is good for every human being to keep their body fit to lead a healthy life and free from diseases. It is not necessary to go to gym every day for keeping our body fit.  You can do workouts or exercises from your home itself regularly at your own pace and time and keep track of it using any of the apps above and stay healthy.

  • 10+ Best Alternatives to Whatsapp you will love this year

    10+ Best Alternatives to Whatsapp you will love this year

    Today WhatsApp has become a heartbeat for mobile users all over the world. If you say “I don’t have WhatsApp”, then people will think of you as someone from another planet. Whatsapp has eventually replaced all kind of messaging options like SMS, Email, Messengers like Yahoo, MSN etc.  After the recent introduction of video calling feature, WhatsApp started competing with other video calling apps like Skype.

    You may wonder what makes WhatsApp so special. The app can be downloaded and used without any cost. It has all the features of communication like audio calls, video calls, sharing audio/video/text. WhatsApp group is the most popular these days as it helps to create different groups for friends, family, work related etc.

    Is WhatsApp is the only app available for messaging? Of course, not. There are many alternatives to WhatsApp with similar functionality.

    10+ Best Alternatives to Whatsapp you will love this year

    10-best-alternatives-to-whatsapp

    1. Telegram

     Telegram was developed by Nikolai and Pavel Durov and released in the year 2013. It can be used as a good alternative for WhatsApp as you can send unlimited messages and media files using it.telegram

    The messages and media files in telegram are stored in cloud space. So you don’t have to worry about the memory space and you will not run out of storage. Another feature to watch out is ‘Secret Chats’. In this, the communication is encrypted between the two persons so that the message is secure and can be seen only by the recipient. Telegram does not support calls. Group chat feature is also available in Telegram.

    Platforms Supported: Android, iOS, Windows

    Read Also : Improve The World With Smartphone -Top 10 Hacks

    1. Viber

     Viber is very similar to and has almost all the features available in WhatsApp. Like WhatsApp, you need the mobile number to activate Viber and it imports the contacts from your address book and shows you the contacts having Viber. Viber supports audio/video calls, group messaging and sharing photos/videos.viber

    It has a feature named Viber Out which helps to call other non Viber mobiles or landline phones at low rates.

    Platforms Supported: Android, iOS, Windows

    1. WeChat

     WeChat is developed by Tencent, China in the year 2011. It supports audio/video calls, sharing photos/videos, broadcast messaging and group chat. WeChat has a special feature named ‘Moments’ where you can create, like or share posts like in Facebook. But it will be only visible to the contacts in your friends list.wechat

    Apart from messaging, WeChat also has a payment system and the users can link their bank accounts/credit cards and send money to the contacts easily. Like Viber, WeChat Out helps to call other non-WeChat mobiles or landline phones at low rates.

     Platforms Supported: Android, iOS, Windows 

    Read Also : WhatsApp Data Sharing Disable Methods to Protect WhatsApp Data

    1. LINE

     Line app is developed by Line Corporation in Japan in the year 2011. It supports messaging, audio/video calls, sharing photos/videos and group chats. It has a good handy feature named ‘Keep’ where you can add all your favorite messages and media files so that you can see it whenever you want and share it easily. Line also has video conferencing facility.

    wechat

    Platforms Supported: Android, iOS, Windows 

    1. Facebook Messenger

     Almost every internet user knows Facebook or in short FB but might not have explored its messenger fully. Facebook messenger is a very good alternative for WhatsApp as it has messaging, audio/video calls, sharing photos/videos and group chats. Group video calling has also been added to the Facebook messenger recently.facebook-messenger

    Platforms Supported: Android, iOS, Windows

    1. Skype

    Skype is the most popular messenger and video calling app for computers using windows. It can also be used in mobiles and can be used as an alternative for WhatsApp. It has messaging, audio/video calls, sharing photos/videos and group chats. Skype also offers low rates for calling international mobiles and landlines.skype

    It does not need any phone number for creating the account.

    Platforms Supported: Android, iOS, Windows

    1. Kik

    Kik messenger is developed by a company named Kik Interactive in Canada. It does not need any phone number for registering with it. It does not support calling feature but it has messaging, sharing photos/videos and group chats.kik The salient feature in Kik is its anonymous nature as there is no verification of the user name or date of birth.

    Platforms Supported: Android, iOS, Windows 

    1. Hangouts

     Hangouts is nothing but the Google Hangouts used in computers for making audio/video calls. It can be used as a good alternative for WhatsApp as it has messaging, audio/video calls, sharing photos/videos and group chats. hangoutsHangouts offer very low rates for calling international mobiles and landlines.

    Platforms Supported: Android, iOS, Windows

    1. Groupme

    Groupme is a popular messaging app that can be used as an alternative to WhatsApp. It supports messaging, sharing photos/videos and group chats. The salient feature in Groupme is its Group SMS feature. It is very handy in case of a network failure or remote places where internet network is not available.

    groupme

    Platforms Supported: Android, iOS, Windows 

    1. Tango

    Tango is developed by a US based company named TangoME Inc. It is a very good alternative to WhatsApp as it has almost all features like messaging, audio/video calls, sharing photos/videos and group chats. tangoIt does not need any phone number for registration. Tango can also be used in Tablets.

    Platforms Supported: Android, iOS 

    1. BBM

    BBM stands for Black Berry Messenger and was developed by Blackberry Ltd in the year 2005. It not only works with Blackberry but also with other platform smartphones. Though it has lost popularity these days, BBM is a good alternative for WhatsApp as it supports messaging, audio/video calls, sharing photos/videos and group chat. The salient feature in BBM is ‘Retract’.

    bbm-appYou can delete the already sent message before it is read so that user doesn’t even know that they received a message like that. It has other features like Private chat and BBM Pin (You can block certain contacts from messaging).

    Platforms Supported: Android, iOS, Windows, Blackberry

    Read Also : 38 Best iPhone games you should play

    1. Kakao Talk

    Kakao Talk is developed by a company named Kakao Inc in South Korea. It supports messaging, voice calls, sharing photos/videos and group chats. Like WhatsApp it needs a phone number to get connected and use it.kakaotalk

    It shows the contacts who are having Kakao Talk. It can be a good alternative for WhatsApp.

    Platforms Supported: Android, iOS, Windows, Blackberry

    WhatsApp is not the only way for messaging and calls. Check out any of the apps above when you find some time and communicate with the world without WhatsApp.

  • Safe Online transactions Tips & top 12 safe online transactions methods

    Safe Online transactions Tips & top 12 safe online transactions methods

    Doing a safe online transactions is the ultimate need of today’s society. Our lifestyle and economy demands for an online transaction while how safe your transaction is the primary question in most of the people.

    Safe Online transactions – Detailed overview 

    Before heading towards the exact title you should know a brief about online transaction to get a clear idea . I am not going to say something which you don’t know , its all many of you will be knowing but i write this for those who are really newly to online transaction . They will surely have so much confusion along with fear of how to do safe online transactions.

    What is online transaction?

    Online transaction is nothing but a simple way to avoid longer queues, travel, transportation etc for doing our regular activities which includes sending money to someone, purchasing groceries, booking train/bus/air tickets etc. Online transaction can be accomplished by using our credit/debit card or payment support systems like PayPal.

    safe-online-transactions-tips

    Time saving is the major advantage of doing online transaction and it really helps working people as they don’t have much time for going in person. Even though online transaction is easy and comfortable, we have to take all the necessary steps so that our transaction is 100% safe and no information is stolen.

    Different kinds of online transaction

    The most common varieties of online transaction are –

    • Online Shopping
    • Paying Utility Bills (Electricity/Insurance)
    • Making reservations for travel (Air/Train/Bus)
    • Sending money (Local / Overseas)
    • Receiving money (Local / Overseas)
    • Net Banking ( Checking transactions with your bank account)

    How to do safe online transaction –Safety tips to online transaction

    Even though online transaction has many advantages, the major drawback is security as there is a chance that your information can be stolen and misused. To avoid that, please keep the following these points / safety measures in mind while doing online transactions to have a smooth and safe online transactions.

    • Say ‘No’ to public and shared computers –

    tips-to-stay-online-on-free-wifi-and-public-networks

     This is the most important safety measure that you have to take while you want to have safe online transactions . Don’t do any online transaction using computers in internet browsing centers as the cookies, passwords etc. are stored in them. It is better to avoid doing online transactions using computers that are shared with your friends / relatives unless you trust them completely.

    Read Also : How to secure bank account from hackers

    • Review certificates –  

    If you are doing any online transaction in your bank or other financial websites, check the certificate of the website. You can find a small lock symbol on the address tab. Check it and make sure that the certificate has a valid expiry date and it is the original one as there are many false websites with same domain name and appearance are available.

    review-certificates If the certificate is valid, you can see a green color text which means extended validation. Red means the certificate has expired or invalid. Yellow means the certificate cannot be verified. White indicates that the certificate has normal validity.

    • Difficult Passwords –

    difficult-passwords

    Keep your passwords a little bit difficult and complicated and not easily identifiable. Don’t use your name, age, date of birth etc… in your passwords. It is better to avoid any information about you which are known to others while creating passwords. Keep changing your passwords often. Many banks are offering 3D codes for doing safe online transactions. Subscribe for that.

    • Use Virtual keyboard –

    use-virtual-keyboard

    Many banks offer virtual keywords for logging in to their website. You can make use of that as it is safer than normal keyboard even though it takes a little long to type with it.

    • Third party payment / VCC –

    It is advisable to use third party payment systems like PayPal, AlertPay or Virtual Credit Card (VCC) for doing online shopping as there is no need to share your personal bank information with the merchants. VCC stands for Virtual Credit Card that can be created for any amount and can be used only once. Check with your bank whether they are offering VCC feature.

    Read Also : Best Low Cost Fund Transfer Methods An Overview

    • Use renowned websites –

    If you want to shop anything online, make sure that the merchant site is popular and can be really trusted. Read customer reviews about the website and make sure they are genuine and delivers the goods as promised. Popular online shopping sites are Amazon.com, Ebay.com, Flipkart.com, Snapdeal.com etc.

    Watch this Useful Video for Safe Online Transactions Published by Axis Bank : –

     

    Top 12 ways to do safe online transactions

    Here are the Top 12 ways or payment gateways for doing safe online transactions.

    1. PayPal

    PayPal is the most popular and reliable way of safe online transactions for Money transfer / Shopping. It is accepted by majority of the merchants worldwide who sell their goods online.

    paypal-safe-fund-transfer-method

    PayPal is very good for shopping goods online and small money transfers. PayPal is not good for sending huge money because of its high transaction fees and wire or direct transfer is the best way for sending large amount.

    2. Google Walletgoogle-wallet

    Google Wallet is becoming popular these days and competing with PayPal in safe online transaction. But currently Google Wallet is used and accepted mostly in USA. There is no fee for sending money to someone else using Google Wallet. You can keep any amount of money in your google wallet by transferring from your bank account and use it for online transactions.

    1. Skrillskrill

    Skrill is previously known as Moneybookers and is being used worldwide for safe online transactions. It can be used to send money as well as for shopping online. The transaction fees of Skrill is very low when compared with other payment systems and is highly secured.

    1. Payoneerpayoneer

    Payoneer is also a good payment gateway for safe online transactions and is accepted globally. It is used to send / withdraw money but the transaction fees for withdrawal is little high. You can create an imaginary US based account with the help of Payoneer which helps users to do transactions with US based merchants or companies.

    5. Stripestripe

    Stripe is a good payment gateway for receiving money and it is really useful for freelancers or people who work online. But currently the sender should be only from the designated countries like USA, UK, and Canada etc. The receiver can be located anywhere in the world.

    6. Payzapayza

    Payza is nothing but the new name of the popular payment gateway AlertPay. It is widely accepted in many countries next to PayPal. It can be used to Send / receive money and has low transaction fees.

    7. Dwolladwolla

    Can you send money to someone using their Facebook or Twitter account? Yes. Dwolla is the best choice for doing such online transactions. The best part of Dwolla is zero transaction fee for small amounts. It is accepted worldwide in many countries.

    8. WePaywepay

    WePay is a popular payment gateway for receiving money and is very useful for anyone who sells their goods online. But it is currently available only in USA.

    1. Authorize. Netauthorize

    Authorize.Net is one of the oldest payment gateways available since the 90s. It is accepted worldwide for safe online transactions. It is widely used for payments with credit card.

    1. 2CheckOut2checkout

    2CheckOut is a very good option for receiving money and is most suited for the merchants or anyone who sell the goods online. It is accepted worldwide in many countries and has reasonable transaction fees.

    1. Amazon Paymentsamazon-payments

    From the name itself, we can trust this payment gateway as it is owned by the popular online giant Amazon.com. It offers different types of accounts for money transfer or shopping and a secure environment for safe online transactions.

    1. ACH Paymentsach-payments

    ACH Payments is a trusted and popular payment gateway for safe online transactions and is accepted worldwide in many countries. It can used for sending as well as receiving money.

    So that’s all on the brief section of safe online transaction methods and tips .