TRICK Watch an ad to earn Free Talk time on Tata Docomo GET 2014

Description

An app for those who love to talk. Watch an ad to earn Free Talk-time. Easy and rewarding way to communicate with friends and family.

An application that allows a Tata Docomo (GSM or CDMA) user to earn free minutes of talk-time on viewing video advertisements. Get 60 seconds of local/STD calling on each ad viewed absolutely FREE of Cost. Download the application and start earning free talk-time!

Features:
• This service is absolutely FREE – no subscription or recurring charges
• Tata Docomo GSM customers are NOT REQUIRED TO PAY for data usage by this app post download from Play store
• Supports Android V2.3 and above
• Supports Wi-Fi – Tata Docomo users can now download and use the app through Wi-Fi or GPRS to enjoy GET app
• Supports Dual SIM handsets – please use Tata Docomo SIM as SIM1 (primary SIM slot)

Note: The GET app download from the Play store will be charged as per the data/bill plan. Tata Docomo CDMA customers will continue to be charged as per the data/bill plan for data usage by this app post download from Play store. Benefits from the GET app is applicable for Tata Docomo customers in India only. Non-Tata Docomo/Tata Indicom (India) customers will not get the service benefits.

DOWNLOAD Tata Docomo GET APK

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How to Finance a Car and Get a Car Loan

You found your dream car. Now, you need to pay for it. Most car shoppers need a car loan to buy their next new or used car. Check out the car financing basics covered below to make sure you get the best car loan for your new vehicle.

The Basics of Car Loans

A car loan is a way for you to purchase a new or used vehicle. You borrow money from a lender and pay them back over time, usually with interest. The amount you borrow is called the loan principle. Car loans almost always include interest, which is how lenders make a profit on the money they lend you. The interest rate is a certain percentage of the loan that you must pay back in addition to the loan principle. So, if you borrow $20,000 for a car at a 5 percent interest rate, youre going to end up paying the bank $21,000 over the life of the loan -- thats the principle, plus the interest. You’ll also pay taxes and fees, so make sure you take into account all the expenses associated with owning a car when you sit down to determine your budget. This also includes insurance, fuel, maintenance and repair costs.

The Car Loan Term

The length of the car loan, or loan term, simply refers to the amount of time you have to pay the lender back. If you sign up for a five-year term, in five years youll pay the money back and will own the car free and clear. What the loan term doesnt mean is that five years from now youll have to come up with all of the money. The vast majority of auto loans are repaid in monthly installments. You send the lender a set amount each month and slowly pay off the loan.
Many people think that when you finance a car, the finance company lends you the money and the car is yours. Thats a simple way of looking at it. In reality, however, the lender is buying the car and letting you use it. The lender technically owns the car, though you agree to be responsible for it. In fact, you wont have the title to the car and fully own it until you make your last loan payment. If you don’t make your loan payments, the lender can repossess the car.

Your Credit Score

All interest rates are not created equal. Some people get charged more interest, and some get charged less. Obviously, you want to get charged less. The interest rate lenders charge is based largely on your credit score, which is a number that credit bureaus assign to you based on how much debt you have, how good youve been about paying bills on time, how long you’ve been using credit and your debt to income ratio, which is the amount of debt you have versus how much money you earn. Lenders use the score to assess how likely you are to pay them back. If your score is low, theyll think youre not likely to repay the auto loan and charge you more money to cover that risk.
Young people often have lower credit scores, even if theyve been good about staying out of debt and paying their bills. Thats because young people dont have long credit histories, which makes it difficult for lenders to tell how much of a risk they are. As a result, people without long credit histories can be charged higher interest rates too.
You should know what your credit score is before you apply for a car loan and do your best to make sure its high. For a small fee, you can get it through FICO, which is the most commonly used credit score among lenders, as well as through Equifax, Experian and TransUnion. If your score is not as high as youd like, paying off old bills (like credit card debt) and paying all bills on time for six to nine months should bring your score up and help you get a better interest rate.
You’ll also want to take a look at your credit report to make sure everything is accurate. If someone stole your identity and opened a credit card in your name and you aren’t aware of it, this could affect your ability to get a car loan. Plus, you’ll want to report the fraudulent activity right away to the credit bureaus so any errors can be fixed before you apply for auto financing.

Apply, Apply, Apply

You wouldnt just apply to one job or one college, so you shouldnt apply to just one lender for a car loan. Contact your bank, local credit unions and other lenders to find out what theyre offering. Youll have to fill out loan applications, which will ask for your social security number, employment and income information, monthly expenses, like mortgage and rent, and any outstanding debts, like credit cards and student loans. When you fill out auto loan applications through multiple lenders, be sure to do it all at once, or within a close time frame. Credit bureaus will see your multiple applications and realize you’re shopping for auto financing. If you spread your applications out, keep in mind that multiple applications for financing can lower your credit score. Do all your applications around the same time, so as not to lower your score.
Do not be tempted to exaggerate your income or misstate your expenses and amount of debt. Everything you fill out on a loan application will be verified and if you lie, you’ll get caught. The lender will use your social security number to pull your credit history and credit score and decide whether or not to make you a loan offer based on that information, as well as your income, expenses and debts.
Take some time to go over all the offers, and dont just look at the interest rates. Avoid offers that charge you a lot of fees. Another thing to look at is the car loan term. A longer auto loan might result in a lower monthly payment, but over the long haul, you’ll pay more in interest. Also, watch out for loans that have a prepayment penalty, which is a fee charged if you pay the loan off early. Paying the loan off early may not be something youll be able to do, but if your long-lost Aunt Mabel dies and leaves you a fortune, paying it off could save you a lot of money, and you dont want to pay extra fees to do it.

Dont Feel Dejected about Getting Rejected

Dont feel too badly if your car loan application is rejected. Its probably a good thing. A rejected loan application means the lender didnt think youd be able to pay the money back. As hard as that is to hear, that lender likely just saved you from getting into more debt than you can handle. Reassess your budget to determine what you can truly afford, not just monthly, but over the life of the loan. Try finding a less expensive car to buy, consider a used car or save up more money so you have a larger down payment, which will reduce the amount you’ll need to borrow.

Show Up with Financing

Many car buyers might think that the car dealership is offering you the best financing rates. Thats not always the case. While you should certainly consider the loan the dealership offers, the best way to get the lowest interest rate is to bring a pre-approved loan from your bank, credit union or third-party lender when you go to the dealership. If the dealership can beat the interest rate you’ve already been pre-approved for, or has a similar rate but with fewer fees, you can decide to take that offer. If not, you already have financing. Pay attention to the loan length, as a lower interest rate offer from the dealer and a longer term may not translate into a better deal.
Bringing your own financing to the table also means youll have the upper hand when it comes time to sit down with the finance manager. Some dealers will give you a great price on a car, but will charge you a higher interest rate on the car loan, which will cost you more money in the long run. This is an area where dealers can make a profit on the vehicle. With financing in hand, you can focus on the price of the car and your trade-in, if you have one.
Now that you understand the basics of financing a car, you’ll be able to get the best car loan for your budget and your new vehicle.

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Promote Old Blog Posts Automatically to Generate Traffic Get More Facebook Traffic to Your Blog 2014

Today I’m going to show you how to easily recycle your blogposts and get them continuous traffic from social media.

And yes… you will leave this page as a lethal “Blog Recycling Ninja”.

Please use your new powers wisely. 

The Problem

If you’re a blogger like me, you pour hours & hours into writing your blogposts.

You find the right keywords, write a great headline, craft an amazing description, choose the best images, etc. etc.

When you’re done with your post, you blast it out to your email list and social media followers — on Facebook, Twitter & Google+.

Then if you’re like me, after publishing & sharing your awesome post, you quickly move on to the next one — pretty much forgetting the last one.

Sure you might come back to the post when someone shares it or comments on it — or if it goes viral.

But for the most part you tend to forget your previous posts and move on to the next ones… kinda like a preacher moves on to his next latest & greatest sermon every Sunday.

There must be a better way!

Yes, there needs to be an easier way to recycle or re-post your old blogposts — so you can make sure they’re being continuously shared, circulated & distributed around social media.

Guess what?  I found the way. 

Yep, to my surprise I figured out some time ago that I could use Post Planner for this.

Josh and his gang of code crunching monkeys have poured a ton of time into this app and added some amazing features — feature I think some of you don’t even know exist.

In fact, I’m seeing many competitors & newcomers copying what Josh created over 2 years ago.

*** It should be noted that I started using the app as soon as it launched — and have been a customer ever since — long before I started working for Post Planner. So I say these things as a long time user & fan.

Anyway, let me show you how Post Planner makes it SUPER easy to recycle your older blogposts — and make sure they’re getting continuous circulation on Facebook.

How to Recycle your Old Blog Posts

Step 1: Install Post Planner!

The first thing you need to do is start (or continue) using the Post Planner app!

By the way, in case you missed it, Josh recently announced that the Pro app – formerly $4.95/mo. —  is now free for everyone!

Step 2: Find Your Blog’s RSS Feed

Now that you have Post Planner installed you need to get a copy of your blog’s RSS feed. 

Step 3: Go to Your Post Planner App 

Your app’s bookmark will be in the left column of your Facebook homepage (the News Feed). I’d highly recommend you add the app to your “Favorites” — so you can quickly access it whenever you need to.

I’ve gone a step further in my computer and added it as a bookmarklet in Chrome so I can click on it and go right to it — no matter where I am.

Step 4: Click “Content”

Step 5: Click “Add an RSS Feed URL”

Step 6: Add your RSS feed

Here’s where you simply paste in your blog’s RSS feed URL (which you got in Step 2).  Just paste the URL into the box — as seen below — and hit enter.

You will then see a new source in your library — with an RSS feed icon next to it, as seen below:

Now that you have your blog’s feed added to your Content library in Post Planner — well, this is where the good stuff begins!

Step 7: Click on your Blog Feed

When you click your blog feed, you’ll see a list of your blog’s recent posts populate in the left column — as shown here:

Step 8: Select an old Post & “Add to Publisher”

Now it’s time to find that post you wrote a few weeks ago and recycle it — just click it and then click “Add to Publisher”:

Step 9: Schedule the Post

Once you add your blogpost to the Publisher, you can (1) select the page, group or profile you want it to post it to, (2) add some text to the Status update box, (3) choose a date & time to publish, and (4) click “Post”.

Step 10: Lather, Rinse, Repeat

Now that you know how to quickly recycle your posts, it’s time to take a few minutes to schedule and re-schedule your posts to go out a week from now, 3 weeks from now, 5 months from now and even a year from now.

There is no limit to how far out in the future you can schedule it.  You can even use the repeating feature and have your posts automatically repeat every couple weeks.

* Let me stress that the repeat feature is super useful — and I’ve used it many times before. But remember that by using it, your followers may see the same text of your status update over & over — and it may look automated to them. So use the repeating feature with that in mind. Of course, you CAN go into Post Planner and edit the text of a repeating post whenever you want.  FYI.

Key Takeaway

The key takeaway I want you to get here is that you shouldn’t just write a mind-blowing blogpost and then forget about it.

Instead, use Post Planner to quickly & easily re-post your article to your different pages — so the content doesn’t go dead.

Remember — just because you wrote a blogpost 4 weeks ago doesn’t mean everyone who follows you has read it!

The news feed on Facebook moves super fast these days — so it’s always wise to re-post your article a few times.

By scheduling out in advance exactly when you will be recycling the post — you not only get additional traffic from an older blogpost, but you also give high quality content to your followers in a non-annoying way.

You should also notice that on our Post Planner blog here, we don’t date our blog posts. There is a reason for this.

By not putting a date stamp on our posts we can recycle them any time we want and it doesn’t appear dated. Sometimes the human brain sees a date of 5 months ago and even-though the content is still relevant, we immediately ignore it because of the date.

I’d recommend doing the same on your blog — unless your blog only consists of date specific podcasts.

Was this helpful? I want to know. Let me know your thoughts and feedback in the comments.

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Recurring Deposits – How to get maximum benefit from them in your financial life !

Today I will talk about the simplest financial product known to me – the Recurring Deposit or RD as it is called. Most investors know about Recurring Deposits and have used them at some point of time. However, many investors are still confused regarding this straightforward product.

Also, I will share tips on extracting the maximum benefit out of Recurring Deposits and on using this product to lead a better financial life. (Even our upcoming investors bootcamp will help you lead a better financial life).

Simple and Beautiful financial Product

Recurring Deposits are often rightfully called one of the simplest financial products in the world. You open a Recurring Deposit for a fixed amount and for a fixed tenure. Each month that fixed amount is invested and you earn interest (at a predefined rate) on the Recurring Deposit.

For example – You can open a Rs. 1,000 Recurring Deposit for 2 years @ 9% interest. Now for the next 24 months, Rs. 1,000 will be invested from your bank account and it will get accumulated in the Recurring Deposit and will accrue interest at the rate that was offered. This is exactly the same as putting Rs. 1,000 in a piggy bank on a certain date for the next 2 years, except that in Recurring Deposit you also get interest income (which is not an option with the piggy bank).

I have been unequivocal in stating that almost all new investors who enter the world of personal finance should start with Recurring Deposits. Typically, new investors do not fully understand the principles behind personal finance and so to protect their money from the they leave funds dormant in their savings account or use them up for some other purpose. Instead, by creating a Recurring Deposit, they will ensure their income is getting channeled into investments and more importantly that they earn interest on their money – eventually leading to good investing habits being formed. Gradually over the next 1-2 years, they can start investing in other instruments such as mutual funds, real estate or bonds.

Planning your Short Term Goals using Recurring Deposits

A Recurring Deposit is a safe investment, or in other words, it is a financial product with guaranteed returns. Stocks or mutual funds are not ideal investments for short tenures. There isno guaranteed return in equity-based productsand consistent returns can only be expected over a long horizon of 8-10 years.

Recurring deposits are therefore the ideal products to consider when planning short-term goals over a horizon of 1-3 yrs. These may include

• A corpus for a downpayment of our new home
• Education fees for your children (yearly fees paid in one shot)
• Home Renovation expenses
• Higher Education Expenses if you are in Job
• Upcoming Marriage expenses due in 2-3 years (e.g. sister’s/brother’s marriage)
• Setting aside funds for a vacation

Now if you look at most of these goals above, Recurring Deposits give returns similar to those of Fixed Deposits. Returns are at the moment in the range of 8-10% depending on the tenure chosen. As Recurring Deposits do not carry risk, they are the ideal investment solution for short-term goals (such as the ones above) where the investor is looking for guaranteed and liquid returns on savings.

Using Recurring Deposits for Ultra Short term goals in life

But the real reason why I love Recurring Deposits the most is this – Recurring Deposits are without doubt, the most powerful way to reach your ultra short-term goals in life. The parts below are excerpted from my 2nd book – “How to be your own financial planner in 10 steps“.

How many long-term financial goals do you have in life – A maximum of 3 or 4, right? Investors tend to overemphasize their focus on this handful of goals in life and spend most of their time working towards them. However most of these goals are so distant in the future, that planning for them is virtually impossible. On the other hand, we have dozens of small goals in life, which are due in next 6 or 8 months or a year at the most. We really aspire to achieve these goals, but ironically, never plan for them – because we think they can be achieved without planning.

Let me explain -

Imagine you want to buy Nokia ‘Lumia 720’ in the coming 6 months. This is very small goal. But most people think about it and leave it hoping to have sufficient money for the phone when the time comes. Now imagine 8 months go by. If at that time, the person has enough money in his account, the idea to buy the phone will again occur to him and he will make the purchase. And if the money is not there, the purchase idea yet again gets pushed out in to the future.

The same habit recurs in a case where you might wish to gift a small vacation to your parents on their birthday next year. Lets say you want to send your parents on a small vacation after a year, and it would cost Rs. 25,000. Now again no one “plans” for it. The matter of having sufficient funds when the time comes is left to chance.

Now here comes the power of Recurring Deposits where you convert each ‘small expenditure’ that is due in the next 6 months to 2 years (not more than this please) into a goal – and open a Recurring Deposit for it. You then let the money flow out of your bank account each month without manually getting involved, set reminders for each goal on the target date and keep achieving those goals!

Example of using Recurring Deposits in a Scenario

Imagine you have 3 small goals within next 1.5 years and those are

• Buy Nokia Lumia 720 in next 10 months – Rs 20,000
• Gift a Vacation to Parents in next 1 yr – Rs 25,000
• Pay Installment of you Kid Pre-school in next 1 yr – Rs 25,000

Most people have goals similar to the ones listed above. To achieve these goals, you can open 3 Recurring Deposits (one for each of these), for the exact tenure (10 months, 1 year and 1.5 years). Consequently, just by having small investments each month, your planning for short-term goals will become quite robust. As the deposits mature, you will find that you have the financial means to achieve your goals without scrabbling to arrange money at the last moment or worse, having to drop your goals altogether.

Taking the above example, The RD’s would be like this

• Buy Phone – Start 10 months RD for Rs 2,000
• Gifting Vacation – Start 1 yr RD for Rs 2,000
• Pre-school Fees – Start 1 yr RD for Rs 2,000
• Total Money going in RD each month – Rs 6,000

What you have done above is to give concrete shape to your short- term goals by using Recurring Deposits and prevent your goals from turning into perennially postponed wishes or wishes that remain unfulfilled throughout your life.

Simplicity means Fast Action

Setting up a Recurring Deposit is so easy it’s almost effortless. You can log onto your Internet-banking page and open an online Recurring Deposit within seconds. You just have to pick the amount per month, the tenure and the date you want the money to be debited from your bank account – and your Recurring Deposit is all set. This simplicity in setting up also helps you take actions faster

Recurring Deposits Tenure’s and minimum Requirement

The minimum and maximum tenure and amount for recurring deposits varies from one bank to the other. In general, PSU banks such as SBI Bank, PNB or Andhra Bank have a minimum limit of Rs. 100 to open a recurring deposit. However, private banks such as ICICI, HDFC or Axis have minimum limits of Rs. 500 or Rs. 1000. The maximum tenure for Recurring Deposits is up to 10 yrs. Here is a snapshot just to give you an idea

Some other Features of Recurring Deposits

• There is no TDS applicable on recurring deposits, but the interest income is fully taxable in your hands.
• You can break your recurring deposits anytime before maturity with some penal interest. The interest applicable will be the rates applicable for the tenure RD was running and not the original tenure chosen.
• Some Banks offer flexi recurring deposits also, where you can increase the amount of deposit each month (but cant decrease it)
• The minimum tenure for RD is 6 months and maximum is 10 yrs
• You can start recurring deposits for minimum of Rs 500 or Rs 1,000 . In post office its minimum Rs 10
• Recurring deposits comes with Nomination Facility, so your nominee will be contacted and handed over the money if you die.
• You can take loans against your recurring deposits for 80-90% of RD worth
• Interest is compounded on quarterly basis in recurring deposits

Please share what you think about Recurring Deposits. Have you used them? Can you share one insight or hidden information about Recurring Deposits, which you feel may help others!

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Whatll it take to get you into a Dragon Age today

With Battleheart out the door and having great success, Ive been decompressing and playing some games lately.

Despite EA/Biowares best efforts to enrage me, I recently played and enjoyed Dragon Age 2, and highly recommend it if youre an RPG fan. Ill start by talking about some of the things I think they did a great job with before getting to the enraging bit...

Compared to the first game, DA2 is a simplified, streamlined take on the genre.  Depending on who you ask, it might be "dumbed down", but I think they did a pretty solid job of refining what was there, ramping up the action, and only cutting or simplifying the tedious or less interesting parts.  From the story to the class mechanics, everything has a sharper focus.  In particular, the three player classes are much better balanced and provide a lot of valid and interesting options for character builds.  Compared to the first game, in which a good 80% of the abilities you had access to were either lackluster or just plain worthless, this is a massive improvement.  Some players may bemoan the fact that it now feels more like Mass Effect than Baldurs Gate, and thats a fairly accurate assessment.  Specific dialog options are now replaced with the "dialog wheel" from ME, and the feel of combat is much more action-y and less tactical.  On its default difficulty, you dont really need to wrangle your party very much, and can take a rambo-like approach to most encounters, only employing strategy and micro-management on the most difficult fights.  Personally, Im more interested in experiencing the story and building my character into a powerhouse, so "normal" was plenty fun for me.  If you want something more brutal, the hard and nightmare difficulties are up to the challenge, and should satisfy even the most masochistic players who want to pause combat every half second to issue orders.

Ive got a few quibbles about the gameplay here and there, but overall its a fun experience.  The only thing that really annoyed me was (yet again) the shitstorm of DLC and promotional gimmicks EA and Bioware have chosen to employ in the hopes of further monetizing their product.  I pre-ordered the game through Steam, and found that I had 3 separate codes to enter on their website before I could have access to all of the content Id paid for.  First, I unlocked some in-game content by registering my game.  Then I had some code Id recieved for pre-ordering, which unlocked some items or a location or something.  There was a third "entitlement" code which unlocked something else and was consumed in the process.  Apparently if I had pre-ordered several months in advance, I would have also gotten access to a special character, but since I didnt, he (and his associated quests) would cost me $ 7 on top of the $ 60 Id already paid to unlock it.  They also had some extra garbage you could get if you pre-ordered from a specific retailer, or if you "liked" the game on Facebook.  No, Im not kidding.  At this point even a complete fool can clearly see the carrot, the string, the stick, and the slimy executive holding it.  In the end, all of these things arent even valuable, theyre just little bonus items that are pretty good equipment for the first couple hours of the game.  But the goal is clear - to make the customer feel like theyre missing out on something, that you only ever own 98% of the game unless you do this or that.

Why is all of this flailing about necessary?  Is it really so hard to turn a profit on a multi-million dollar production like this, that you have to go to these lengths?  If so, then maybe their business model is simply unsustainable.  I know Im not the only one who finds it obnoxious that I cant just buy the game and know I have the whole package - these gimmicks do little more than generate a nagging sense that Im constantly missing out on some deal, or being suckered, neither of which makes me feel all warm and fuzzy about my purchase.  The fact is, the game is pretty darn good and can stand on its own merits, theres no need for all of this rubbish.  It may be paying off in cash at the moment, but its already had (and will continue to have) an intangible price in their reputation and fan base down the road.

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