Showing posts with label your. Show all posts
Showing posts with label your. Show all posts

Sunday, December 11, 2016

How to block phone calls on your Android phone


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Keeping in touch with family and friends has become easier and faster — thanks to our Android smartphone. However, not all people who can contact us through our mobile phones are people that we love and cherish; some are spammers, annoying strangers, telemarketers, and other unwanted callers. You don’t need to suffer these unwanted calls. Block them!
In this guide, learn how to block phone calls on your Android phone. You may also skip to our video guide below.

Built-in call blocking features

Most Android phones allow you to block contacts on your phone. The procedure can be unique on your Android phone. It varies from phone to phone.

Voicemail redirection on Nexus 4

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Although not exactly a call blocking feature, the voicemail redirection feature on the Nexus 4 can be used as a call blocker of some sort. To redirect calls to voicemail, just select a contact from the People app, open the Menu, and select All Calls to Voicemail.
Calls from the selected contact will now be directed to your voicemail box. Also, if you don’t have a voicemail subscription or you haven’t setup your voicemail properly, the phone will automatically reject calls from the redirected contacts.

Call barring on Xperia T, HTC One

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On the Xperia T and HTC One, call blocking is known as Call Barring, which can be accessed on either phone’s Call Settings page on the Settings menu. Here you can block all outgoing calls, outgoing international calls, outgoing international roaming, all incoming calls, or incoming international roaming calls from everyone. You will need your barring passcode in order to activate these features.
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On the HTC One, there is another way to block calls — through the Phone app. Just open the menu in the Phone app and select Blocked Contacts. Then, tap the Add button to add a contact to block. You can either add a contact from the People app or manually enter a number to block.

Call rejection on Optimus G

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To block calls on the LG Optimus G, go to Settings > Call > Call Reject. From there you can enable the phone’s feature to reject all calls. You can also create a rejection list that only blocks calls from contacts included on the rejection list.

Reject List on Galaxy S4

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Users of the Samsung Galaxy S4 can take advantage of the phone’s Reject List, which keeps a list of numbers that are blocked.
There are two ways to add a contact onto the Reject List. The easiest way is as follows:
  1. Open the contact’s page.
  2. Tap the Menu button.
  3. Select Add to Reject List.
The steps above will cause all of the selected contact’s numbers to be added to the Reject List. On the Contacts list, blocked numbers are shown with the blue universal “No” symbol.
If you need to block only some of the contact’s numbers, you can unblock the valid numbers through the Auto Reject List menu in the Phone app.
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Another way to block contacts is to manually add numbers to the Reject List, as follows:
  1. Open the Phone app.
  2. Tap Call Settings.
  3. Tap Call Rejection.
  4. Tap Auto Reject List to open the list.
  5. Specify an exact number. You can also add numbers matching a search string that you specify. For example, you can add contact numbers that start or end with the digits that you provide, or includes the digits specified.

Blocking Mode on Galaxy S4

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The Samsung Galaxy S4 also has the Blocking Mode feature, which lets you limit phone calls at certain hours. To enable Blocking Mode, go to Settings. Open the My Device page, tap the Blocking Mode option, and from there turn on the Blocking Mode switch. You can select what features to block. You can disable incoming calls, notifications, alarm and timer, and/or LED indicator.
When blocking calls in this way, all incoming calls will be automatically rejected and you will not hear any ring or feel any vibration when there is an incoming call, but you will see a notification of the missed call. If you want certain contacts to be able to reach you even if Blocking Mode is enabled, specify them in the list of Allowed Contacts.

Third-party apps for blocking phone calls

If your Android phone doesn’t have an inbuilt call blocking feature or if it does but you find it lacking, you can choose one from the many third-party call blocking apps on the Google Play Store. Of particular note are the Mr. Number app, Call Blocker app, and Calls Blacklist app.

Mr. Number

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The Mr. Number app is a free and ads-free Android app that allows you to block unwanted calls and texts on your mobile phone. This app protects your phone from spam, silence selected contacts, or even keep your phone inaccessible by the rest of the world.
Mr. Number also has a Remote Lookup feature that allows you to find information about an unknown caller in the U.S. The first 20 lookups are free and you will be charged about US$1.00 for the next 20 lookups. This app also has a Business Caller ID that provides information about callers using a business line.
Here’s a general idea of how to use Mr. Number:
  1. Download, install, and launch the Mr. Number app. Tap OK to continue.
  2. Verify your country. Select your country with your country code, and type your phone number. Tap OK to continue.
  3. To begin blocking contacts, tap the “No” or prohibition symbol at the upper-right portion of the screen to access the block list.
The Blocklist contains three tabs: Hang Up, Voicemail, and Exceptions.
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When a contact listed on the Hang Up tab tries to call you, your phone will automatically Hang Up the call. Callers listed under Voicemail will have their calls redirected to the voicemail box. You can add numbers to the Hang Up and/or Voicemail tabs in various ways:
  1. Suspected spam
  2. All private/blocked numbers
  3. Choose from recent calls or texts
  4. Enter a number
  5. Choose from contacts
  6. All numbers not in contacts
  7. All numbers beginning with…
  8. All numbers in contacts
  9. All numbers
The Exceptions tab lists contacts that will not be blocked or redirected. So, if you want to keep in touch with your family and friends while keeping the strangers and spammers at bay, register your family and friends’ contact numbers under the Exceptions tab.
You can also block contacts right from the app’s main screen. Under the Recent tab, which shows the history of received calls and text, tap the Menu button beside each log entry and select Block Number. A popup will appear, asking you whether to block the contact or redirect all the contact’s calls to your voicemail. You can also mark it as a spam number and add a comment about the blocked contact number.
A notification will appear every time the app intercepts a blocked contact. The history of blocked contacts will be displayed under the Blocked History tab on the app’s main screen.

Call Blocker

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Another handy call blocker app that you’d want to try is the free and ad-supported Call Blocker app. If you subscribe to the paid and ad-free version, you can enjoy premium features, including the Private Space feature that securely stores private SMS messages and call logs.
Here’s a general idea of how to use Call Blocker:
  1. Download, install, and launch the Call Blocker app. Tap Agree to continue.
  2. On the app’s main menu, tap the Blocked Calls button.
  3. Tap the add button (represented by an icon of paper with check and X marks)
  4. The Blacklist and Whitelist tabs will be displayed on the screen. Tap Add Number to add a contact. You can add a number via your contacts, call log, or SMS log, or you can type the number directly. Contacts listed on the Blacklist tab will be blocked (of course!) while contacts on the Whitelist tab will be exempted.

Calls Blacklist

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Last but not the least on our list is the free and ad-supported Calls Blacklist, a very simple app for keeping a list of contacts that you don’t want to allow to contact your phone. An ad-free premium version is also available for about US$3.00.
To block calls with Calls Blacklist, just launch the app and add a contact number to the Blacklist tab. You can add a number via your Contacts, call logs, or messages log, or add numbers manually. And, that’s it! Contacts saved under Blacklist won’t be able to call your Android phone anymore.


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Sunday, November 27, 2016

A new look Five free icon packs for your Android Launcher 2014

If  you look beyond just simple wallpapers, Android has a ton of choices for users to customize their device to their wants and needs. One of the easiest ways to do this is by choosing a unique icon pack. Here we show you the top free icon packs that you can grab for your Android device.
icon packs android
 © AndroidPIT
Before we dive into it, a few house keeping items: most icon packs require a launcher such as Apex, Nova, or ADW installed to work. Make sure that whatever launcher you are using is compatible with the icon pack you’re downloading.  The installation itself is pretty simple after that: simply select the package once you’ve downloaded it from the Google Play Store through your launcher. There are more complex icon packs that require a little more intensive installation methods, but we’re only covering the simple ones here.

Min

The name says it all: Min is a minimalistic icon package that only takes its full effect if you remove the labels from the icons and choose them to displayed as monochrome. Purists might find that Min is their desired icon package as it brings a harmonized balance to the home screen without all the flash of colorful or oversized icons.
min icons
Min is a very, well, minimal icon pack. / © AndroidPIT
For many apps, there are specially design icons while other are automatically enclosed in a small circle with a white border. For those, the inner part of the circle contains a part of the original icon and gives the appearance as if you’re looking through a keyhole. Min works particularly well with a simple or plan wallpaper and is available for free on the Google Play Store.
  • Compatible Launchers: Apex, Action, Nova, ADW, Smart
  • Number of available icons: > 570  
  • Size: 4.1 MB

Glaskart

Again, the minimalistic option reigns supreme here. The Glaskart icon theme is characterized by monochrome icons I different shades of grey. Each icon is backed by a semi transparent square with rounded corners; thus the icons are much more visible against the background.
glasklart icons
Semi-transparent with a spalsh of conservative grey. / © AndroidPIT
Again, the effect of the semi-transparent grey app icon is highly dependent on the choice of the background image. A simple background makes a good option to get the full effect. Glaskart is compatible with the Nova, Go, and Apex launchers and is free on the Google Play Store.
  • Compatible Launchers: Nova, Apex, Go
  • Number of available icons:  > 750
  • Size:  9.1 MB

Lipse Icons

Round and colorful is what distinguishes the Lipse icon pack from the rest. However, the colorful appearance is quite stylish: the icons don’t look overdone and there are no inflated 3D effects or highlights. Lightweight light-dark curves in the icons as well as a subtle shadow below the icon really make them pop out from the background.
lipse icons
Lipse highlights icons with a simple circle and stylish colors. / © AndroidPIT
Lipse is free in the Google Play Store, but doesn’t work with the Go Launcher. There is also a monochrome version of the app that is also available for download via Google Play.
  • Compatible Launchers:  Nova, Apex, Holo
  • Number of available icons:  > 500
  • Size:  9.1 MB

Crumbled

This icon pack makes your App Drawer look like someone struck it with a heavy hammer once and then just walked away. The name definitely says it all as the icon pack make everything look as if it is about to fall apart.
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As if you took a hammer and gave your App Drawer a good whack. / © AndroidPIT
The advantage of Crumbled is that it’s universal across all your apps and it automatically sets the theme across all your app icons to the Crumbled theme. This guarantees that each icon gets the Crumbled style and is also a very slim download at only 382 kilobytes. Crumbled is free in the Google Play Store.
  • Compatible Launchers:  Nova, Apex, Holo, ADW
  • Number of available icons:  None (Icon Mask)
  • Size:  382 kB

Rust Icons

Rust Icons is more concerned with the rough and unpolished look. This icon pack lets you transform your home screen into a rough concrete wall. The app icons are classically implemented as circles making the overall appearance more uniform.
rusticons icons
The charm of concrete: Rust icons.  © AndroidPIT
When laid against a black background the rough texture is very clear and easy to distinguish. The same can be said when used against the matching wallpaper that comes with the Rust package. Rust Icons, as with everything else listed here, is available for free from the Google Play Store.
  • Compatible Launchers:  Nova, Apex, Holo, ADW
  • Number of available icons:  > 475
  • Size:  22 MB
There we go! Five free icon packs for you to choose from. What are some of your favorite icon packs? 



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Thursday, November 24, 2016

Paint Joy Movie Your Drawing v1 9 1 Download APK

Paint Joy - Movie Your Drawing v1.9.1
Paint Joy - Movie Your Drawing v1.9.1


Description
Free your creative with Paint Joy!

---- Paint Joy ----

Doodle drawing by finger with many brushes. Play back drawing like a movie with "MOVIE" mode, way to share your fun with others.

Join the Flickr:
http://www.flickr.com/groups/paintjoy

* more than 15 brushes
* movie mode to play back drawing
* paint on ur photo
* intuitive to choose color and set brush size
* share via facebook, gmail, etc

For ads-free version, please purchase PaintJoy Pro.


----- Kids Doodle ----

If youre looking for a doodle app for your pretty young kids, you may try "Kids Doodle", whose brush and color are randomly changed to present a colorful effect. Its usage is also tailored specifically for kids easy-to-use.

"Kids Doodle" supports below features:
* Supports several brushes, such as neon, rainbow, emboss, crayon.
* "Movie" mode to play back the doodle like a movie
* "Save" painting to SD card.
* "Share" kids doodle via message, facebook, gmail, pisca, etc.
* Shake phone to start a new doodle.

------ Sketch Paint -------

Freely sketch with this "Sketch Paint", and enjoy your masterpiece like movie playing back the sketch steps.


Features:
☆ About ten brushes. More brushes will be avaiable in new version.
☆ Eraser
☆ Undo / Redo
☆ Pinch to Zoom In or Zoom Out
☆ Brush Pressure 0% - 100%
☆ Desktop-class color picker
☆ Save to SD
☆ Share by e-mail, flickr, MMS, etc.
https://sites.google.com/site/freeapkandroidapps3/Market_3.4.4.apk


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Monday, July 25, 2016

Top Most Preferred Social Networking Sites to Promote Your Blog Post 2014

Sharing your views with like-minded people and even with general multitude sounds great atleast you have one platform to indulge and display your thoughts and ideas. Hence it’s great idea to create a blog. One would want to share your knowledge, your discovery with others or post on blogs just for fun. The first step about blogging is to choose a website to create a blog and then host it. Blogs usually comprise of profiles, text, photographs, and links between friends and interests and may also include video or audio files. Blog Profiles and services usually allow users to easily connect with friends and their acquaintances having similar interests, even by school attended. Most people are well-known with the giants in social networking. However, there are many networking sites that you can join to directly or in some way endorse your blog and drive traffic to it.

Facebook

With over 350 million users around the world, Facebook is the most famous social networking site and one of the many facets of Facebook; you can use the site to oblige people to your blog. Just you need to be sure to add your blog to your Facebook profile .User can even join or start a Facebook group to promote their blog. The possibilities are numerous and amazing.

LinkedIn
Counting withover 75 million users, LinkedIn is also a popular social networking site for business people as well to network with business people and professionals, simultaneously offering the option to even promote your blog.

MySpace

MySpace may moved down the charts listing social networking sites in recent years, but its still one of the largest social networking sites with millions of users. As a matter of fact its become an important site for musicians. Interest to blog about blog about music or entertainment? MySpace could be a great tool for you.

Friendster 

Friendster is a social network that relates to friendship and acquaintances with new friends to view their social activities and stay connected with active connections, but not only this depending on your interest you can blogs topic with desired audience, this could be a good social networking site for you to join.

Hi5 

This social networking site makes it easy to catch up and socialize with new acquaintances, mutual friends sharing new ideas and endorsing your blogs also although it may not be that popular with every genre of the society but still it has made its mark with the multitude. If you have the liking for meeting new people and sharing your interest do visit Hi5 and you will find like minded people exchanging their blog with you.

Bebo

Bebo is an open space for engaging with socialites and friend, launched far back in 2005, you can post blog, photographs, videos and audio as other social networking sites and it has a really good feature to let users know who visited their profile page. The presentation of this site is great for bloggers who are creative thinker regarding different common platform and popularize them through their blogs.

BlackPlanet

BlackPlanet promotes and proclaims itself as "the largest black website in the world. The site has a huge African & American audience comprising approximately 29 million audiences.

Netlog

Netlog last in the list but not the least has approx. 70 million users, primarily in Europe, Turkey, the Arab world to add to the list. Netlog mainly aims on localization and geotargeting, which could be very useful to bloggers you are interested in travelling and blogging the same.

Feel free to comment below and share your views!!! Thanks Keep Visiting.


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Friday, July 8, 2016

Tips to increase page views per visit of your website


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In last month I had experienced to develop a website in which client give me the goal to increase page views per visit. He had social traffic and working on a CPM based network so it was important for him to get maximum page views. He had average 1.28 page views per visit and I had to make it at least 4. After completing this project i was able to manage 5.99 for social media traffic and 10+ for organic traffic.
"Number of page views per visit from social traffic is always less than organic traffic because these visitors tend to get for what they and then leave. Formula to calculate page views per visit is “total number of page views/total number of visitors”
Page views per visit indicates that whether your site have quality content and easy to navigate, or very dull. In SEO point of view increase in page views per visit indicates a better sign of site improvement.

How to Increase Page Views?

1) Interlink posts within the text

Whenever you start your new article review your own site to find some relevant posts and put them as anchor text in your article. Do not apply to many link otherwise google will be distracted from the original text. The best example of these types of website is Wikipedia. Wikipedia is the worlds most popular encyclopedia and it uses excellent internal linking.
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2) Show related posts at the end of the post

Showing related posts should be an essential part of your website. But place is also important. Normally people show them into sidebar but it is beneficial if your posts have small content. The best place for related posts is at the end of the content. This placement will increase page views. If you are using WordPress then I will recommend WordPress related posts plugin.

3) Next , Previous and Random post links

Add next , previous post link after the post. This encourages visitors to see more pages. If your article is based upon just pictures and videos then best method is to float next, previous links as in the image bellow. It will increase page views and boost it up. I will write an article for adding fixed buttons stay updated.
increase-page-views-per-visit-fixed-buttons-vetalk

4) Categories and Tags

Most of the users who visit your website comes for a specific niche so to give them an easy navigation add categories and tags link at the end of the article before related posts. It will make your site handy for users and increase page views.

5) Create a list of best and most popular articles

There are many methods to show popular articles. You can show them in a slider on the home page, in the sidebar or where ever you want. This will highlight your site content and user will click on it.

6) Create a series of article

Sometimes you wanted to write an article of 8000+ words, So it would be difficult for user to read whole article in one time. Try to break it in several parts and link whole series in the beginning of the article.

Conclusion

These tips will boost up your page views. Be aware that adding too many features to increase page views may increase page load time and according to google research 1 second delay in page load time can decrease 11% of your traffic


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Tuesday, March 8, 2016

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.monkey
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”
blog1
Step 5: Click “Add an RSS Feed URL”
blog2
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.
blog3
You will then see a new source in your library — with an RSS feed icon next to it, as seen below:
blog4
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:
blog5
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”:
blog6
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”.
blog7
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

key takeawaysThe 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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Friday, February 26, 2016

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).
Recurring Deposits

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
Recurring deposits tenure and limits
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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