What Is Scrum? How Can It Help Your Business?

Managing large projects that have multiple stakeholders can be extremely challenging. Even the most meticulously planned projects can face missed deadlines, changes in client requirements, and any number of other problems. Unlike unbeatable Spectrum bundle prices, losing high-value projects is something most businesses can’t afford. Agile Scrum is a project management solution in use in some of the biggest firms in the world such as IBM, Amazon, and several others. But what exactly is it? Can it actually benefit your business? This blog explores all that and more.

What is Agile Scrum?

Where conventional project management techniques often face bottlenecks and delays, Agile offers the 21st Century alternative. By using Agile project management, your business becomes much more responsive to any unexpected and sudden changes in projects or in your business. It allows businesses to react much faster to any issues that may crop up. Scrum is a module or subset of the larger Agile project management system. It is also the most used process that Agile offers.

But why should businesses use it? The answer lies in the many benefits Agile Scrum brings to a business. From streamlining workflows, increasing accountability, and boosting teamwork, the system has a lot to offer. It creates a framework where everyone from individual team members to the project manager or lead is involved in the entire process. Still not convinced? Here are a few reasons that could help you change your mind:

  1. Improved Response Times
  2. Increased Planning Accuracy
  3. Instant Communication and Feedback
  4. Ability to Change Priorities as Projects Proceed
  5. Increased Control and Accountability

Let’s take a closer look at these below.

Improved Response Times

Using Agile Scrum for project management has one distinctly important advantage. It allows your business to become more responsive to changes. That means fewer delays to the project based on relatively minor and easily fixable problems. This is possible because the system allows you to frequently review progress on the project and adapt workflows to changing needs. Even if your overall project strategy remains constant, the means of getting there may change as a result of arising circumstances. If you’re about to take your business through a massive transformation or restructuring, Scrum can be a very useful tool indeed.

Increased Planning Accuracy

One of the biggest hurdles in conventional project management is the challenges faced in the planning phase. At the same time, it can be very difficult to track progress against these plans. Scrum offers a workable solution by dividing important tasks and workflows into what they call Sprints. A business can, for example, break down a larger transformation plan into smaller sprints for better tracking and management. Not only can you track progress on each of these sprints, but you can also ensure the others proceed on schedule if one or more sprints hit problems. Having chunks of tasks to accomplish before you can move onto the next phase would hold up progress until all tasks are completed. The sprints strategy makes for easier planning and improved accuracy.

Instant Communication and Feedback

The way Scrum works, sprints prioritize individual team members and their interactions. Smaller organizations often have daily or weekly Scrum meetings. This is also known as a standup meeting where everyone gets time on the whiteboard to explain what they accomplished, and what they aim to accomplish ahead. Larger organizations also make use of Scrum meetings, especially when a single project manager is responsible for ensuring geographically separated teams are on the same page.

Ability to Change Priorities as Projects Proceed

Scrum isn’t just about preparing you to meet challenges as they arise. It is also built on the expectation and assumption that challenges and changes will arise. That means the project management system is designed based on the fact that projects will deviate from the original plan. So when you inevitably have factors outside your control causing delays in specific projects, you have a methodology to handle them. Scrum allows you to allocate time and resources from other sprints to delayed ones and ensure that the project rolls out on time.

Increased Control and Accountability

Scrum has greatly increased internal controls and individual accountability within a project. The purpose behind this is to ensure individuals understand their roles and limitations, as well as what is expected of them during the course of a project. This is especially useful when different departments are working on a project together, such as your marketing team working closely with the development team to execute a software or CRM rollout. The controls result in giving the project a cohesive appearance, and the communication channels included ensure you have constant information as well as feedback with regards to problems with any sprints.

Projects, whether big or small, are built on key milestones, timelines, and cost estimates. Any small delay can translate into money lost as well as creating bottlenecks. Even something as simple as a bug in your router can hold things up  – unless you do what I do which is calling the helpful folk on the Spectrum Erie PA phone number for assistance. But for most other cases, the delays can mean disruptions in your timelines, and may even cause missed deadlines. Among the available alternatives, Agile Scrum is one of the best project management solutions available. Will it bring benefit to your business? Most certainly, but it all depends on how effectively you use it.

How To Renovate Children’s Bedroom

For children, their room is more than just the place they sleep in. It’s the spot to play games, read, daydream, stockpile toys, and do schoolwork. As you plan out the children’s bedroom, you will need a space serving all those functions and is also practical and comfortable for several years ahead. The right experts on what children like are kids themselves. Get them involved in the process of designing a children’s bedrooms and let them give a hand with selections. Kids’ preferences often change, so use colors and accessories that can be easily replaced. However, the most important thing is to think about practicality, growth, and fun.

The decorations in any room say a lot about the personality of those who live there. Colors, accents, decor styles, and different choice of furniture, they all show unique characters. This idea is the same for a children’s bedroom. Kids express themselves through the decorations of their rooms, so let them have a say in how their own space looks. This will help them feel comfortable.

If you need ideas to set up a room for children to stay, consider the following tips, and make the best choice:

When designing a kid’s room, first think about color. Incorporate a favorite color on the walls and bring in some bright accents, but remember to stick with neutral furniture which doesn’t have to be swapped when interests change.

Have in mind that the colors you choose can have an impact on your kid – distracting, overwhelming, energizing, or calming. Choosing a soothing wall color, for example, lavender gives the kid’s bedroom an ease-into-sleep feel. Choose colors that will influence your child positively, but if you are unsure, pick a neutral color like white or tan, and use accent colors to revive the atmosphere.

The next thing to think about is furniture. When choosing it, consider the size of kids’ bunk beds bedroom, if it will be shared with another little one, how many pieces of furniture are needed, and what style you prefer. If the room is quite small, you’ll have to get creative with the positioning of the furniture. If the bedroom is going to be shared, you’ll have to think about buying bunk beds.

The furniture has to be appropriate for the age of your child, but it should also be able to grow with the kid. Get full-sized cabinets and dressers that can last through his or her school years. A lovely idea is to create a warm place for shared reading time: a cuddle-worthy seating and a bookcase stocked with favorites.

The organization is important to any room. It can be quite difficult to get a kid to keep a room clean, so you’ll need a simple system of organization to encourage him or her. With so many clothes and toys, storage is of great importance. If you can, add built-ins, but if you are on a budget, shelves and cubbies are also great for housing books, toys, and other objects.

Place boxes, bins, and baskets on the shelves to hold various kinds of things. Old coffee cans make wonderful canisters. Store things like Matchbox cars, crayons, doll clothes, and other smaller items in them and print off labels to go on the cans so kids are able to remember where everything goes. Multi-pocket organizers can hold almost anything – from hair ties and sunglasses to reminder notes from Mom.

If your children’s bedroom is big enough, divide the space into zones. This way quieter kids can read or draw while more active kids can play a musical instrument or watch TV. Include a work table or desk for coloring. Give your kid his or her own office space, a discrete area to do homework. A craft station is great for getting those creative juices flowing. You could also consider a snack area with a mini-fridge and microwave.

Children’s wall mural

Incorporate playful design with a wall mural or decal. Enlarge a favorite photo for a striking piece of art, cut it into sections and then frame. A chalkboard wall will let kids produce a masterpiece of their own. Or why don’t you string wire from wall to wall and create an inexpensive way to showcase the masterpieces of your kid. Another idea is to display a gallery of your kid’s artwork in acrylic frames that can be easily updated when new pieces are created.

Try using some fun furnishings, such as floor cushions or beanbag chairs, and experiment by adding unique elements like a slide, swing, or climbing wall. Take a growth chart with an eye-catching framing and a clever theme. In case your kids’ bedroom is a multifunctional room, be smart when using the space.

Children’s bedroom is a chance to experiment with colors, prints, and patterns. By matching and mixing, its a thrill to come up with unique combinations that really work.

List of Best Tools for SEM

Also known as “paid search”, Search Engine Marketing is a form of Internet Marketing. Mostly, SEM is a procedure to attain traffic for the website by buying ads on various search engines. This is done through various SEM tools.

People often confuse SEM with Search Engine Optimization (SEO). Search Engine Marketing is mainly the concept of increasing the search engine visibility of a website on different Search Engine Result Pages (SERPs) through paid advertising. The main objective of SEM is to create high website traffic by alerting and rewriting ads using high ranking keywords. .

Two of the most commonly and frequently terms associated with SEM are Cost per Click (CPC) and Pay Per Click (PPC). To perform paid ads, SEM tools come into the picture.  Here are some of the top Search Marketing Tools that you must use to attain high website traffic, based on the high-ranking keywords.

List of Best Tools for SEM

  • SEMRush- SEMRush helps you to conduct extensive keyword research, track keyword ranking, traffic analysis, site audits, and much more. SEMRush is a fantastic tool for finding opportunities to rank for long-tail keywords organically, but additionally, you can use the tool for different SEM efforts. For example, you can use SEMRush to find out where your competitors are using their marketing efforts, and evaluate their regional presence, to find out how much money you want to spend on certain keywords.

Also, SEMRush helps you to find your main paid search competitors, find out which keywords they are bidding on, and study the structure of their ads. This is important information when you are developing your own paid strategy and are not sure how to compete with other businesses on the SERPs.

  • Io- One of the best features of Keywordtool.io is its ability to tap into Bing, Google, Amazon, Bing, Twitter, the App Store, and YouTube, so that you can divide your keyword research through different channels and target your efforts in a much better manner. Also, the tool takes your base keyword and offers you variations of phrases and words, which helps you to cultivate a more extensive list of possible keywords that you might want to include in your paid ad.

Using Google Autocomplete to offer relevant keywords for you, the free version of Keywordtool.io allows you to generate nearly 750 long-tail keywords and keyword suggestions for each search term. Also, you can use the tool to check Google trends to make sure that your desired keywords are rising in popularity and will continue to serve you in the future too.

  • Supermetrics- This SEM tool makes the task of updating client-facing reports fast, so you can spend more time analyzing data, creating insights, and implementing the best-paid search strategy.

With Supermetrics, you can get a high-level pulse on a customer’s performance across different channels, like Facebook, Google, Quora, Reddit, and LinkedIn. With just a click, you can check to spend, conversions, ROAS, and more across the different channels a customer is marketing on. This is a great time-saver tool as there is no need to download metrics from different channels. Instead, all the data gets collected in one single report.

  • Google Trends- Google Trends helps you to track the search volume for a specific keyword across a certain region, timeframe, or language- which can help you to distinguish which search terms are trending and which are the ones that are not. As you do not want to put your money on a keyword whose popularity is decreasing, this is a useful tool for all your SEM efforts.

Moreover, specifically, if you work for an eCommerce business, the ability to calculate interest in your products or services in a specific geographical area is certainly powerful for ensuring you customize your paid efforts to certain locations, saving you a huge amount of money in the future.

  • Optmyzr- Despite its lack of vowels, Optmyzr leaves no stone unturned. It is a great SEM optimization tool that helps you to grab less popular keywords within any AdWords account. This tool is all about saving time on tricky and challenging reports and allowing simple functionality to use that saved time to make optimization.

In the “Data Insights” section, instant visuals of performance segments can be made actionable rapidly. Also, the quality score tracker, an hour if week analysis, and geo heat-map are all significant reports for an account that can be made in a snap, saving the time of analysts.

There is also a part for optimizations that can be made with just one click, helping analysts to make keyword, and bid adjustments, budget changes, and A/B ad tests fast. This section is based on exceptionally helpful reports made for you in the interface.

Ultimately, Optmyzr also has different custom reporting choices and templates, as well as improved scripts that can be run using this tool.

  • Google Ads Keyword Planner- As Google is likely where you want your ads to show, it makes sense to consider using Google Ads Keyword Planner to research relevant keywords for your business, and maintain a track of how searches for specific keywords change with time. The Keyword Planner will help you to narrow down a list of possible keywords to make sure that you are choosing the most effective ones for your brand.

Also, the Keyword Planner will offer you suggested bid estimates for each keyword, so you can determine which keywords match with your advertising budget. Best of everything, once you have found your right keywords and are ready to launch your ad campaign, you can do all of these using one tool.

  • Moat- Do you want to know how your competitors’ display ads appear? Moat can help you out! This handy tool is a search engine for display ads. Just put the brand name, hit Enter, and use Moat’s library of ad creatives, both past, and current. Moat also offers the features and run dates for each ad displayed.

Outside of competitor research, this SEM tool is great for ad inspiration. Confused what messaging to use? Search for similar brands on this tool to come up with new ideas.

While browsing display ads is free, Moat also provides a paid subscription that comes with video ad insights, the share of voice trends, email alerts, and an ad mockup feature.

  • iSpionage- It is one of the latest entries in the field of the spy tool market. This SEM tool lays more focus on PPC when compared to organic SEO. iSpionage helps to offer a boost to your ROI by giving an insight into the keywords and the ad budget used by the competitors.

If you want to learn more about Search engine marketing and PPC advertising and make a career in digital marketing you can visit digital marketing courses

Balance Transfer: Examining the Right Time and Other Factors to Consider

Balance Transfer: Examining the Right Time and Other Factors to Consider

The demand for home loans is expected to be significant, with the future prospects of growth remaining strong. 

  • The predicted growth rate in this sector between 2021 and 2026 stands at 22%. 

Affordable interest rates, along with urbanisation increasing at a steady pace, are expected to drive this growth in the coming years. In the past few months, the housing loan interest rates have fallen to an all-time low, benefitting not only new borrowers but also the existing ones.

With a home loan transfer, individuals with existing housing credit can further avail lower rates on their outstanding principal amount. Nevertheless, one must first understand the basic principles of such a credit transfer to know when it is most profitable to opt for one.

What is a home loan balance transfer?

Existing home loan borrowers carry an option to switch their outstanding loan principal from their current lender to a new lending institution. 

In such a case, the new lender pays the pre-requisite amount to one’s current lending institution, effectively clearing all dues. The borrower continues to pay EMIs for the home loan but to this new lender and not the old one.

The primary benefit of a home loan transfer is that it allows a borrower to pay interest at a lower rate when compared to his/her previous lender. This check on interest outgo can either result in reduced loan tenure or decreased EMIs. 

If one can undertake such transfers at the opportune time, the option can lead to sizable financial savings. However, before choosing a home loan balance transfer, one must consider a few key factors to ensure profitability from such a move.

Factors to consider before opting for home loan refinance

  • Check the scale of EMI reduction

Home loan borrowers, mostly salaried individuals, often face a challenge in meeting the monthly liabilities when servicing such credit. Still, most housing loan borrowers in India are salaried.

  • 88% of the home loan borrowers in 2020 comprised salaried individuals.

Thus, if you are opting for a home loan balance transfer, you should consider whether the new EMI amount represents a significant reduction from the previous figure. 

A minor reduction may not be worth undertaking the hassle of such a refinance. Using a home loan balance transfer calculator, one can easily determine the total amount of savings, along with a decrease in EMIs.

  • Check whether your home loan interest is charged as per RLLR or MCLR

Interest rates on home loans in India are linked to an external benchmark, generally either MCLR (marginal cost of funds based lending rate) or RLLR (repo linked lending rate). Those with MCLR home loans often do not receive the best interest rates due to a lack of transparency in reflecting any mandated rate changes. 

The Reserve Bank of India, on the other hand, adjusts the repo rate from time to time, which can often lower the rates, typically RLLR, offered by financial institutions to home loan borrowers.

  • Since February 2020, RBI has slashed repo rate by 115 basis points (100 basis points = 1%).
  • This repo rate cut has translated into interest rate reductions ranging between 70 and 90 basis points for most home loan providers.

If your existing lender follows the MCLR benchmark, shifting to an RLLR-based home loan refinancing option may be more beneficial since you would be able to take advantage of adjusted rates.

  • Consider the remaining tenure for your home loan repayment

Considering the remaining tenure is crucial when pondering over home loan transfer. To pick the correct time to undertake such a step, one needs to possess significant insight into the amortization schedule of such loans. 

EMI for any credit is composed of two aspects, namely principal and interest components. Every month, a portion of home loan EMI goes toward servicing the principal outstanding, while the remaining is assigned to the interest accrued.

During the initial years of your home loan repayment, the interest component forms the majority of your EMIs, while the principal portion is limited. 

Thus, early on in the tenure would be an ideal time to undertake a home loan transfer, making it considerably beneficial in terms of the total interest payment as per the applicable rate.

For instance, if you are just four or five years through your repayment tenure of 20 years, refinancing can lead to hefty benefits. However, balance transfer would not be profitable if you undertake it after 15 years of repayment for a loan of similar tenure.  

  • Additional charges for a balance transfer

Borrowers should know that balance transfer basically means closing one loan account and opening another with a different lender. Therefore, they need to bear the processing fees, foreclosure charges, and other costs to refinance. 

If such costs are more substantial than the savings you stand to make after initiating a home loan transfer, you should reconsider your decision.

  • Top-up loan facilities

Borrowers planning to refinance their existing home loans also need to know about top up loan on home loan. These are additional credits offered by the new lender to individuals who choose to refinance the existing home loans with them. 

Top-up advances are available over and above the transfer value and come with no end-use restriction.

Reputed financial institutions extend attractive top-up advance offers to home loan balance transfer borrowers. Such advances are high-value credits amounting up to Rs.50 lakh.

Some lenders also provide pre-approved offers to simplify the loan availing process and help save time. These offers are available on several financial products, such as home loans and loans against property. You can check your pre-approved offer by submitting only your name and contact details.

Now that you know everything about home loan balance transfer, it should ease the process while ensuring maximum benefits from the facility. Make sure to check the additional eligibility of a new lender, if any, before you apply to experience a hassle-free transfer of your existing home loan outstanding.

Read Also: Home loan rates fall to below 7%. Five tips on how to reduce your EMI burden

7 Smart and Proven Strategies to Boost Your Online Business

Do you have great products and amazing services? Are you facing trouble while reaching out to your customers and audience online? If yes is your answer, then we understand your problem and the things that you are lacking in your online business set-up. Building something is always easy, but selling it is quite difficult. You need to do something amazing and out of the box to convince your customers to make a purchase or to avail your services. Whether you are selling online gifts Jaipur or are offering some other services, you need to work on your online business and marketing strategies. You need to find out what will work best for your products and for the growth of your business with Best website development comapny in India. Scroll down below to find out some really smart and proven strategies to boost your online presence and increase your sales effectively.

Optimise Your Website

When we talk about online business, the first thing that literally clicks is a website. Imagine yourself as the customer and browse through the website on different devices. Your website should be user-friendly and easy to browse on all the browsers and devices like laptops, desktops, and mobile phones. Also, give it a similar look related to your products and services. You can even get your website re-designed properly with the help of a professional web developer. You don’t need to hire a team full of people to do so as you can easily get it done by freelancers. Just have one dedicated person to make minor changes whenever required.

Content Marketing

The next thing that comes is the content that goes onto your website. This is the point where you will go past your competitors. Have a dedicated content writing team that uses SEO keywords and do proper research to write quality content. Afterall, the content that goes on your website is recognised by Google and other search engines. Better the quality and keyword placement, higher are the chances of good rankings. Also, make a blog section and publish blogs weekly related to your brand. WIth the blogs, search engines can easily recognize your presence and it also helps in improving your trust factor.

Email Marketing

Emails play an important role in interacting with your customers. Have an email list prepared to send promotional emails and emails regarding new launches on your website. To design an email list, you can use different techniques like exit intent coupons, newsletter subscriptions, discount via emails, email referrals, etc. Also, let’s say that a customer searches for some gifts for their boyfriend and suddenly leaves the website. Send them an email such as buy a special gift for boyfriend at 25% off by using this code. It will help you a lot in user retention.

Social Media Presence

Everything and everyone is on social media. People of all age groups and occupations are spending a lot of time on different social media platforms. So, it is obviously a great opportunity for you to gain popularity by promoting your products and services. Be active and engage with the right audience using social media tools. Curate amazing social media posts and content to reach out to maximum public and use advertisement campaigns for increased reach. Gather a proper social media team with the right knowledge about the different social media strategies.

Promotions and Discounts

Well, you surely must be trying to lure in extra traffic on your website by giving discounts on your products and services. The thing that you should work on is when your competitors are offering sales and discounts. Decide a team other than theirs so the traffic doesn’t divide. Also, make sure to announce sales on various special occasions and festivals. Many people are browsing online for deals during these times and you should reach out to the maximum people through social media, advertisements, emails, messages, etc. informing everyone about the grand sale. This will bring in some additional traffic and will help in increasing sales.

Invest in Quality Images

Images are like the frontline of your army to boost the sales. According to many surveys, people actually just go through the images and infographics on your website. All the content that goes on your website is mainly for the ranking purposes. So, how to convince your customers to make a purchase? Well, that is why you need high quality images with proper details that are designed creatively. Create an emotional attachment and deliver your story to the potential customers with the help of images on your website. You can make use of other visual presentations as well like videos, GIFs, graphs, etc. It will definitely help in increasing your sales.

Customer Reviews

A great point to increase your trust factor. Whenever someone buys something online, they generally look for reviews about the products and brand. Ask your existing customers to write a review on Google and on your own website related to the purchase and the services. Reward your customers with cashback points for writing the reviews. Your trust factor will boost and potential customers will more likely make a purchase at your website. There are certain other websites as well that offer a section for online business reviews and you can ask the customers to rate your products and services on such websites as well.

So, these were the different smart and proven strategies that you can work on with your partners and employees. Have a separate team to look into all of these strategies properly. The better you understand the above mentioned strategies, the better you will be able to implement these effectively. So, get started right away to properly plan and execute different strategies to boost your online business and to build reputation in an online world.

Explore the Fundamentals of Medical Billing

Health informatics (the extravagant term for the investigation, examination, and the board of wellbeing data and information) isn’t simply coding and charging. There’s an enormous range of positions that support healthcare providers and help them run their practices.

If you can’t get into coding directly, try working at the office or front desk of a physician. Make connections with the doctors and provider offices you visit on a daily basis and see if they’re hiring or if they know of somebody who is. Administrative work may sound kind of an impasse, however, such work shows a pledge to the segment and hands-on involvement in how the matter of medical care functions.

You can also search for additional medical records. Like performing at a receptionist or front office position, it’s a rather indirect way of stepping into coding, but your familiarity with the provider’s office will serve you well. You can also search for a run through a temp agency, though your success there may vary.

Don’t discount volunteering or job shadowing, either. While you don’t want to figure for too long for free of charge, volunteering at a provider’s office can offer you some first-hand experience and demonstrates your interest. If you’ve got a relationship with a knowledgeable biller or coder, just ask them if you’ll trail them for each day. You’ll learn more during a day of watching how a biller works than you’d during a week within the classroom.

By now you have a good idea about the practice of medical coding. But we still don’t know much about what those codes are used for.

While the facts confirm that we can utilize finding and system codes to follow the spread of malady or the viability of a specific methodology, their fundamental use in the United States is in the repayment cycle. As such, codes assist us with billing precisely and effectively.

Let’s take a closer look at why we bill.

Why to Bill?

Heading off to the specialist may appear to be coordinated cooperation, yet truly it’s an aspect of a huge, complex arrangement of data and installment. While the safeguarded patient may just have a direct association with one individual or medical services supplier, that registration is entire of third-party work. 

The main party is the patient. The subsequent party is the medical care supplier. The term ‘supplier’ incorporates clinics, doctors, physical advisors, trauma centers, outpatient offices, and whatever other spots where medical administrations are performed. The third and last gathering is the insurance organization or payer. 

It’s the medical biller’s business to arrange and organize installment between these three gatherings. In particular, the biller guarantees that the medical care supplier is made up of their administrations by billing the two patients and payers. We bill since medical care suppliers should be made up of the administrations they perform. 

So as to do this, the biller gathers the entirety of the data (found in a “superbill”) about the patient and the patient’s technique and arranges that into a bill for the insurance organization. This bill is known as a claim, and it contains a patient’s segment data, medical history, and insurance inclusion, notwithstanding a report on what systems were performed and why.

For this process, practitioners need to find a medical billing company or service provider who can process all the claims on behalf of them to reimburse money from the insurance companies. Similarly, PMBC provides comprehensive medical billing services, coding, credentialing, and receivable management services that are guaranteed to increase your practice’s profitability because most of the companies are now following electronic claims and PMBC follows the same process to effectively so that doctors or practices can get the money as soon as possible.

A Brief Insight Into Credit Score Calculation – Things You Should Know


Around 79% of all loans in India are approved for consumers with a CIBIL of 750 or above. CIBIL or the Credit Information Bureau (India) Limited is an organisation, which tracks the creditworthiness of each Indian, through his/her credit history and other factors.

All lenders today thus check a loan applicant’s CIBIL or credit rating in general, when processing a loan application. Therefore, to improve one’s likelihood of availing loans, he/she must be aware of CIBIL score calculation and the factor that weigh in to determine one’s score.

What is CIBIL score?

CIBIL or credit rating refers to a 3-digit numeric figure, representing the creditworthiness of an individual based on prior handling of loans or advances and credit discipline adopted. An individual with a clean record of timely repayment of loans or credit card debt often carries an impressive CIBIL score and vice versa.

CIBIL scores range between 300 and 900, whereby a score of 750 or above is generally considered sufficient to avail various kinds of loans in India. While you can get a personal loan if you have a bad CIBIL score, it is best to take measures for score improvement when planning to avail finance. It is primarily because the terms for such a loan are often not in the borrower’s favour.

Factors affecting CIBIL score calculation

The following four major aspects determine whether an individual carries an impressive credit rating or otherwise –

  • Payment history – It refers to your track record of servicing loans in general, and is indicative of your repayment habits. Your payment history thus depends on whether you have closed dues in time or if you have defaulted on such payments in the past.
  • Multiple enquiries – Successive and substantial number of loan enquiries can hamper your credit rating since it indicates that you are likely to avail fresh debt soon.
  • Credit mix – If you want to improve your CIBIL score, attaining the perfect balance between secured and unsecured credit mix in your loan portfolio is critical. If you avail too many loans of one particular kind, your credit rating may suffer as a result due to one type of advance outweighing the other, thus hampering your future financial standing.
  • Credit utilization ratio – If you consume too much credit in a short span, it indicates a credit hungry nature and also lowers your repayment capacity. The credit utilisation ratio thus indicates the total percentage of credit already consumed out of the total credit available to you, with an ideal ratio standing between 30 and 50%. A high ratio, too, can thus negatively affect your CIBIL score calculation.

How to check CIBIL score for free?

As per the RBI guidelines, CIBIL is obligated to offer one free credit report check to every individual. Moreover, one can check this score online, by following the steps mentioned below –

  • Step 1: Visit CIBIL’s official website.
  • Step 2: Fill in the requisite form with necessary details like name, contact number, email address, and others.
  • Step 3: Enter your PAN number.
  • Step 4: Answer all questions regarding past loans, credit cards, and repayment correctly.

Based on this information, CIBIL provides your credit score instantly. If you want to generate more than one credit report in a year, you can go for subsequent reports against a stipulated charge.

Ways to improve your credit score organically

One can adopt various ways and do several things to improve his/her personal credit score. Understanding the CIBIL score calculation process should give you an insight into how you can approach credit rating improvement –

  • Never avail substantial credit, which you may find challenging to repay. Late EMIs or credit card bill payment can hurt your credit score and vice versa.
  • If you have availed personal loans in the past, try to avail secured credit options in the future. Such a credit mix is viewed as a positive trait in potential lenders.
  • Keep your credit utilisation ratio to a minimum. For instance, if you have availed a credit card with a limit of Rs.1 lakh, ensure you use only up to Rs.40,000 – Rs.50,000 for the existing billing cycle.
  • Check your credit report every year and intimate any errors that may crop up in your report for rectification. Although not frequent, CIBIL score calculation may be a result of errors or omissions in one’s credit records.

If your credit scores are high enough and are an existing customer, you can also avail pre-approved offers from lenders like Bajaj Finserv. These offers are available on a range of financial products, including personal loans, business loans, credit cards, and more. You can check your pre-approved offer by providing your full name and contact details.

As a potential borrower, CIBIL score is one of the integral determining factors you should keep in mind and identify if your CIBIL score is getting you down when availing finances. The scores in this scale can dictate the interest rates and amount of funds you can avail as a loan. Additionally, it can also determine whether you are eligible for unsecured and secured credit.

8 Steps to Follow for the Ultimate Website Redesign Checklist

If you’re partly responsible for your company’s marketing or online presence, you’ve undoubtedly had a discussion about redesigning your website.Want to build your own website but don’t have the funds? … You can Try Flexible pay monthly website packages by redboxweb

Maybe you’re not getting enough leads, maybe it’s out of date or maybe, it just doesn’t fit your branding.

A website redesign can be a huge task regardless of the size and nature of the business, particularly if you want to do it correctly. A casual approach only results in an imperfect website which can do more harm than good to your marketing and sales efforts.

Proper planning, analysis, and a little imagination will help make the next redesign more successful.

Let’s look at the 8 steps of redesigning your website.

1. Benchmark the Latest Performance Metrics

Before you plan to redesign your website, make a note of the metrics you are using. This will give you a clear idea of where your web design is and what metrics you can boost for your redesign.

Analyze the monthly output of your current website in different aspects. The value and significance of each of them can differ depending on your website’s redesign goals, but it’s helpful to pull each metric before you dive deep into redesigning.

2. Determine Your Website Redesign Goals

When contemplating a web development project, ensure you have a legitimate reason for it. It’s not just about how the site looks, it’s also about how it operates. Be crystal clear about why you are redesigning the website, and link those goals to measurable results.

Many of these priorities are mutually related. For example, in order to produce more conversions, you need to increase the traffic while reducing the bounce rate of your site.

3. Define Your Branding and Messaging

Before developing your new website design and content, have a clear idea about the tone, ideal branding, messaging, and unique value proposition to ensure continuity across the entire website.

Use straightforward and concise language while creating your message. Don’t use industry or technical jargons that can alienate parts of your audience and make you sound like a robot or someone too pushy to sell their products. A website development company will handle your branding and positioning effectively.

4. Define Your Buyer Persona

Your website is not all about you.

When your visitors land on your website, they should be compelled to think about the purpose of your brand and products for them. Talk to your visitors in their own language by designing your website and producing content for your customer.

Make sure that you clearly define your customer, so that you can shape your website’s redesign strategy around the website visitors that matter most to you.

5. Website Audit

Getting discovered online is important for improving the metrics of your website. By looking at which pages are popular, what pages are frequented, and what may be lacking, you’ll get a sense of what can be recycled and refreshed, or what needs to be built from scratch.

Going through your analytics to see user behavior will help you find pages that were irrelevant in generating a decent amount of traffic. You can omit such pages’ however, pages that are good, generate traffic, and convert well need to be kept intact and further optimized.

6. Canvas the Competition

Take into account what you’ve discovered in your site audit and start looking at what you actually want your website to look like, apart from branding. Gathering website ideas and reviewing your competitor’s websites lets you get a snapshot of the industry’s best practices and where you can spice things up a little.

This process is designed to help you understand what you can do best on your website. When you have carried out your competitive analysis, draw up a list of action items outlining certain areas for change and how you can set yourself apart from your rivals.

7. Set a Timeline

The next step in our website’s redesign checklist is to build a realistic timeline. Developing a remarkable website takes time. To make sure that you hit the target not just for your brand, but also for your users, there is a fair amount of strategy and analysis that needs to be taken into account long before you start coding. 

8. Choose the Right Software

The final step of the website redesign process is to select the best software to create and host your website. This software is usually referred to as the Content Management System (CMS) and is used to create, design, and publish the website for viewing around the world. Web development services will know the best CMS to use for your kind of website.

After Your Website Is Developed…

Your brand new website has been created and launched, but the fun doesn’t end there! Now you need to start gathering and evaluating your user data for new designs.

Work with your team to prepare A/B tests to test various formats or functionality to help enhance the user’s journey.


This is our e-commerce website development checklist! It’s not always easy to follow the book, particularly when there are tight deadlines or time constraints that could potentially miss some of the steps.

However, following it closely can help you drive your new website and generate leads that you’ve always wanted.

Challenges on Standby for the Investment Banking Sector

Investment banking certification

The major challenges that the investment banking sector will encounter in the late 2020, or early 2021, would revolve around market digitalisation and electrification, high capital charges, layered and inflexible technology involving high degree of sophistication, stuck cost base, and stringent regulations.

This year is going to be an interesting one, provided that there will be many hurdles in the pathway to success for the banking sector? The chances are, that there will emerge a banking ecosystem that will be highly volatile. The conditions that seem most favourable, constitute the latter half of the year filled with destructive storms, similar to what happened in 2008. The chances are very slim that the investment banking sector will see a bright and rewarding 2020.

On the other hand, a small percentage of professionals in the said sector may have to let go off their respective jobs, given the degree of recession, COVID pandemic has brought in. However, there will emerge new opportunities, once the epidemic ends. Most of the professionals who have been laid off recently, will find opportunities to come back into the workforce.

For young finance graduates, it will be a great opportunity to break into investment banking, the moment pandemic ends, and the job market revives. Getting your hands on industry-relevant investment banking certifications would certainly be a great competitive advantage.

The Majority of the Year Will Go Into Dealing with Crisis Recovery

Second half of the year is expected to make investment banks busy dealing with the post economic crisis revival, and there is every chance of fin tech firms rising high amid all of this. However, the predictions many go wrong like a weather forecast, but similar to climate science, the trends always indicate the looming truth. And that’s why, it’s high time for investors and banks’ c-suite executives to plan attentively for the remaining of the year.

Top 6 Challenges That Await the Investment Banking Sector

Difficult Regulatory Norms

There is an international standard, called IFRS 9, designed and developed by IASB (International Accounting Standards Board) that oversees financial instruments. It constitutes a whole set of mandatory rules & requirements that are to be stringently followed by the banks. It leads to a different level of sophistication and complexity for bankers. BASEL, the international regulatory organization, too, has soared its minimum capital requisite for investment banks from 2% to 4.5%, advancing from BASEL II norms to now new, BASEL III norms. Such difficult standards set by the regulatory bodies can lead to many financial institutions forced to change their behaviour of working.

Service Diversification

Amid the intense competition among the different banks in the said sector, the continuous need to launch and offer new services from time to time, has become a mandate. Servicing your clients and customers well, is the need of the hour for investment banks around the world, or you simply lose them, as your immediate competition would grab the chance of attracting your client/customer towards them.

To remain competent as an investment bank in 2020, you ought to offer new and diverse services to your customers that entice them, and keep them glued to you. Coming up with new services that the clients of investment banks would like, will be a big upcoming challenge in the latter half of the year.

Profitability Woes

With the advent of BASEL III, there has come limitations to product profitability. Arrival of such new regulatory standards does affect the profit-making, and ROE (return of equity). Banks will need to dig into their current business structure to identify the loopholes, and get rid of the non-profiting services and transactions. Efficient capital management will be the key to success, as it’s quite evident that the available capital to the banks is absolutely scarce at this point in time.

Challenges with Cross-Border Service Offerings

A majority of large investment banks are known to offer international banking services, which is worth a trillion-dollar market to tap into. However, the introduction of new stringent regulations this year, have made it intensely difficult to seamlessly provide for cross-border services. The disadvantages of transacting in bitcoin (popular cryptocurrency) for international payments are not unheard of. However, blockchain has emerged among the most-promising disruptive technologies that facilitate cross-border transactions, but with the recent happenings of hackings and fraud, has put it under ‘unsafe’ category.

Cost-Management for the Services Extended

Cost-optimization would be a big worry amid the strict government regulations that are needed to be followed by the banks, in 2020. The laws been formulated off late by the governments across the world, has hit the ROE of banks really hard, and has forced them to reconsider their production costs. Bankers need to ensure that there is no loss incurred while they offer their clients, the services of their liking. And for that, performing effective cost management and detailed risk analysis is required.

Network Security

Financial service firms are the most vulnerable to malware attacks and hacking. Reports of a number of digital thefts and frauds have been observed in the recent past, pertaining to investment banks and financial institutions, globally. Banks will need to deploy stringent network security algorithms to their central servers so as to help prevent such mishaps. If the banks want to survive in this digital age, they will have to cope up well with the loopholes in the system.


Work with an ayurvedic hair color in the comfort of your home

Colouring the hair has undergone a sea change within just the span of the last decade. Since environment and ecology have become the buzz word fashionistas all over the world have sat up to the sombre yet safe possibilities of ayurvedic hair colors—strongly indicating that chemical based hair colours are gloriously on their way out, while the chemical-free ones are fast coming in. But isn’t the word ‘ayurveda’ a bit esoteric? Since not many salons in the world prefer to work with the naturally organic hair colours. So, here’s putting forth a few arguments that will motivate you to create your own ayurvedic hair colours sitting right at home.

An ayurvedic hair color would essentially be a chemical-free hair colour, this much is clearly understood. Ayurvedic hair colours or hair dyes are basically powdered forms of plant leaves. The pastes of these powders, when applied over the hair, leave them evenly coloured, smooth, soft and healthy. So, how to make an ayurvedic hair color out of natural henna? Well, the answer is simple. “Ayurveda” simply means long life. So, anything herbal or that is directly obtained from the planet and used without making any chemical or physical alterations to it, would be ayurvedic. Just mixing Amla, Henna, Shikhakai, Tea, Coffee, Hibiscus, Bhringraj, Jatamansi, etc., to your organic henna could enhance its life enhancing capabilities and turn such hair colour into an ayurvedic one.

Ayurvedic hair color when examined on parameters like colour uniformity, odour, texture and overall hair and scalp health, has proved to be much more beneficial than its chemical counterparts. Modern science has also thrown up certain add-ons that, when applied in combination with the natural colours, enhances their effectiveness in colour impartation and style. Basically, permanent hair straightening cost in hyderabad Organically natural hair colour has, thus, proved to be an overall superior product in terms of hair colouring and strengthening. The herbal extracts present in them are packed with phytoconstituents which are naturally occurring chemical compounds found in plants and hold colouring properties.

It is no longer a debate that a chemical-free hair color packaged and distributed by a reputed brand acts as a hair growth accelerator, conditioner and nourisher. The primary colouring bases of these ayurvedic hair colors originating from the Indian subcontinent are henna, indigo, chamomile and manjistha powders. While the healing or treatment bases often are senna, amla, brahmi, fenugreek, sunflower, honey, aqua and more. Together they condition and moisturize the hair and scalp, act on dandruff, dry and frizzy hair and reduce the greys. Shikhakai works as a powerful antioxidant. Tea and coffee are ancillary herbs which, when used in combination with other herbs, aids in leaving a perfect colour, while strengthening the hair leaving it softer and shinier.

It has also been found that the organically natural hair colours can be stored for longer periods of time in their powdered forms. At low or room temperatures virtually no change in their properties like colour, odour, pH level and texture were noticed. However, care must be taken to not allow humidity catch the powder.

Read more – Frizzy Hair

A brand that excellently balances the hair colouring prowess of botanical colouring herbs while offering pure organic, triple-sifted, microfine powders for a superfine hair colouring experience is Indus Valley. Giving it a try could, hence, be worth much more than your pennies spent on the product. Still thinking?