Saturday, June 23, 2018

How Does Motorcycle Insurance Work and What is its Value?

In case of a motorcycle accident, two things are taken into consideration: the liability and the damages. These two aspects are worth the most when claiming motorcycle insurance. 


Liability means determining who was at fault during the accident. Now, the person who would be making the claim has to prove that the other driver was at fault or was negligent because of which he suffered the accident. 

If he cannot prove so, or if in reality, the other driver was really not negligent, then it means he does not owe the plaintiff anything and the case would not yield much.

Damages means, what injuries and other losses the plaintiff suffered due to the accident and the greater the injury, the higher the amount of compensable injury damages.

Taking liability and damages into account, certain situations can be evaluated for two wheeler insurance.

In case one is simply standing at the red light and is hit from behind by another vehicle, this is clearly a case of negligence on the part of the other driver. 

However, if the plaintiff did not get hurt or there was no damage to the motorcycle, then there would be no compensation. A nominal sum could be settled upon for the hassle the plaintiff went through but nothing more than that. 

The settlement amount would also be nominal one if in case, is spite of being in an accident which was quite damaging, the accident was not really the other driver’s fault. 

In fact, if it was the plaintiff’s fault, then the insurance company of the other driver is not obliged to pay him anything. Or, even if it was the other driver’s fault but the plaintiff is unable to prove it, the settled amount would be a negligible one.

This brings us to the next part of the discussion where we try to evaluate a motorcycle injury claim. There are two types of valuations: Settlement Value and Trial Value.

Also Read:- Third Party Bike Insurance Policy – a Quick Guide

Settlement Value

A is when one settles the case and this is done when one wants to avoid the risk of losing the trial and losing everything. 

In any kind of litigation, a middle ground is mostly reached through settlement predominantly when both parties have a strong ground and no one wants to lose. 

For obvious reasons, the settlement amount is much lower than what one would have managed to get if one had won the trial. 

On the other hand, the Trail Value is what one could expect if they are sure they would win the trial. 

So considering that one can prove the other driver’s fault and they also have reasonable damage to show, a trail amount could be quite lump sum. 

Special Damages

Damages in motorcycle accident cases are calculated on the basis of exact calculations- also known as special damages- they include employment benefits, medical bills and other financial losses that the plaintiff incurred as a result of the accident. 

Non- exact calculation- that is mostly considering the pain and trauma the plaintiff has grown through.

With all these aspects taken into account, one could say that motorcycle accident injury claims can be made successfully, provided one can prove it. 

After the accident, one also needs to act fast to gather evidence needed to prove the defendant’s fault and also submit relevant papers to prove that the motorcycle is theirs. There are many companies today that offer best two wheeler insurance.

Thursday, June 21, 2018

Amazon Applications on Android

The Amazon Apps is an application store where the customers using Android phone can download the applications being developed by the company. There are several app of Amazon that can be downloaded at free of cost. Downloading Amazon App on Android phone is as easy as pie. You have to adhere by the following steps to download the app on your phones:
  • Type on your phone or ask for the link to be sent to your e-mail address.
  • Use the link sent at your mail ID, navigate to the Amazon Appstore download page.
  • Then click on "Get Amazon Appstore" button; adhere by the instructions.
  • On your Android phone, go to Settings column, then scroll down to "Unknown sources" and tap the check box to enable this feature. (The unknown source in this case is the Amazon Appstore.)
  • Say yes for the permission.
  • In Android’s device search the "Download" folder, and click on "Amazon_app.apk" file.
  • The Amazon Appstore will be downloaded in your Android phone; start downloading games and mobile app.
There are numerous applications which can be downloaded on your phone. So just sit back and enjoy the benefits which Amazon has in store for you. 

Majority of the apps are free and does not carry any installation charges; the main purpose of designing these apps is to give maximum benefits to its prestigious customers. The paid apps have various discounts using amazon coupons.

Amazon Prime Video

This is one of the most preferred free downloaded apps of Amazon were the customers can watch latest TV shows, videos and movies. 

Amazon Prime Video is a service being offered by Amazon to its prime customers, where they can browse the unlimited fun that acts as a stress buster from your daily hectic routine. 

Only the prime customers of Amazon can use this service; you can subscribe it monthly or yearly at the nominal charges. 

- Check out Best Android Phones of 2018 -

Initially, the tentative customers can start with a 30 day free trial of Amazon Prime Video to explore the benefits what the millions of other prime members are enjoying and after understanding the benefits they can continue their membership by paying $12.99 monthly or $119 yearly, as per their convenience. 

You can grab upto $10 OFF on the yearly plan using amazon promo code.

Amazon Prime Music

Similar to Amazon Prime Video, Amazon Prime Music is also a free download apps of Amazon where the customers can listen their favourite music and songs. 

Amazon introduced Amazon Music in 2007 providing ad-free excess to songs at no additional cost to its prime members only. 

The prime members can enjoy the music through their Android phones; also they can download Prime Music to play it offline. Lately in September, 2016, the company introduced Amazon Music Unlimited to provide an extended online music store to its customers. 

It has a vast collection of tons of tracks from which you can select your favourite ones and listen it anytime and anywhere. Currently, the company is offering both music services – Amazon Music and Amazon Music Unlimited. 

The main difference between the two is that Amazon Prime Music is free for the prime members whereas the prime members have to spend $7.99 monthly and non-prime member have to spend $9.99 per month for getting the access of Amazon Music Unlimited.

IMDb Movies & TV

Internet Movie Database (IMDb) is an online database of information for movies, television programs, and cinema being provided by Amazon. 

The service which was launched in 1990, has more than 4.7 million titles (including episodes) and 8.3 million cast and crew members in its database, along with 83 million registered users till December 2017. 

Not only this, the users can also explore the award winning movies, top rated movies (from IMDb’s list of top 250 movies), movies of a particular actor during a particular phase and each and every thing about their favourite stars. 

That means you can get information on anything about the cinema or TV world without paying any charges for it at your fingertips by just browsing your Android phone.

Amazon Prime Photos

Amazon Prime Photos is a free service for the prime members where they can store unlimited photos through their Android phone. 

The members, apart from just saving unlimited photos on the app, can also share unlimited photos on desktop, mobile, and tablet. 

They can share photo storage with maximum 5 people, and collect photos together in the Prime Photos Family Vault. 

Amazon has given a next level comfort to its prime members by offering unlimited photo storage option. Once the photos are saved in your mobile, you can auto save it in Android mobile apps. 

You have the access to view all the stored photos stored in the app anytime in the future.


Goodreads is a service offered by Amazon allowing individuals to freely explore its database of books, annotations, and reviews. 

It is a free service by the company for all those who have picked reading as their passion. Goodreads have more than 35 million members who have added more than 1 billion books; you can pick up your favourite book from a vast collection of more than 12 million books, and can give your ratings and review to it. 

You necessarily do not require Goodreads account, but signing in or signing out will help you in offering a better experience to you. So download Amazon’s Goodreads app today on your Android phone to explore more and more books.

Amazon Kindle for Android

There is another app which can be downloaded on your Android phone is Amazon Kindle. With this app, you get the access to browse from more than one millions books, thousands of audio books that being listed on Amazon Kindle. 

The kindle app for Android is not just limited to books only; you can read newspapers and magazines as well anytime and anywhere. 

You can ask for a free 30 day trail of Kindle Unlimited on your Android phone, and later can opt for the Kindle Unlimited by paying $9.99 monthly. 

With Kindle app downloaded on your phone you can boost your passion of reading more books and increasing your imagination skills. Your tired commuting journey from home to office and vice versa can become interesting with Amazon Kindle in your pocket.

There are some of the best Amazon Apps that can be downloaded on your Android phone at no additional cost. Moreover you do not require any other set up/device to start using these apps. So download the best Amazon apps on your phone at the earliest.

Wednesday, June 20, 2018

Best Android Phones of 2018

These are our rundown of the best Android cell phones you can purchase today positioned from the best downwards. Though Apple gives you the decision of a little, bigger or super costly iPhone, Android commends assortment and you get Android smartphones at all costs, with an extensive variety of details and highlights.

In any case, that likewise displays its own issues; while the leader handsets are getting to be comparable as far as detail, there's a great deal of decision as you go down in cost. That can mean picking the best Android smartphone for you is somewhat of a test. 

That, obviously, is the place we come in. So, we've gathered together our pick of the plain best Android smartphones at all costs, sizes, and determinations, yet separated to mirror the experience of owning and living with every gadget. 

You can shop these smartphones from Amazon and use Amazon coupons to avail discount on your shopping.

Samsung Galaxy S9:

The Samsung Galaxy S9 Plus has every one of the defects dispensed with that were available in its antecedent, the Samsung Galaxy S8 Plus. The bezel-less outline is the primary plan fascination of the gadget, which makes the gadget smaller as well as gives the gadget an advanced look that was seen before in the models. 

The Samsung Galaxy S9 Plus can be utilized submerged, on account of the waterproof outline that has an IP68 rating.

The leader gadgets from Samsung are constantly stuffed with a gigantic measure of preparing power, and the Samsung Galaxy S9 Plus is the same. The gadget packs Exynos 9810 octa-center processor based on 10nm innovation for low power utilization and superior. Supporting the lead processor is 6GB of RAM. 

The interior stockpiling is 64GB that can be extended through the half and half SIM card opening up to 4TB. The Samsung Galaxy S9 Plus is fueled by the Android 8.0 Oreo. Notwithstanding, the gadget will soon be refreshed to the Android O working framework.

Available Specifications:

  • Display: 6.2-inch QHD+ Super AMOLED display
  • Camera: dual rear cameras (12MP + 12MP)
  • Processor: octa-core Exynos 9810 processor
  • RAM and ROM: 6GB & 64GB respectively
  • Connectivity Options: dual-SIM 4G LTE, Wi-Fi 802.11 ac/b/g/n, Bluetooth v5.0, GPS, and a USB Type-C
  • Tonnes of software features, extensive UI customizability.

Google pixel 2 XL

The Pixel 2 XL with an amazing full-screen show, gloats of a camera that is in its very own alliance. The brilliant back camera with double pixel self-adjust additionally accompanies optical and electronic picture adjustment, catching your valuable minutes with staggering picture quality in any light. 

Tune in to music, watch motion pictures or play amusements throughout the day with the quick charging battery. Take compelling control of your gadget with the implicit Google Assistant.

Google has been in the cell phone business for some time now however it was just with the Pixel cell phones, it demonstrated its aim to go up against the powerhouses of the cell phone industry. 

The one thing which individuals expect the most – and Google satisfies it – is the camera of the Pixel cell phones. This isn't to imply that the cell phones linger behind in different angles however the camera is the thing that truly stuns clients and faultfinders. 

Before we get into the camera, how about we discuss the plan and show. Shop this smartphone from Amazon and use Amazon India Coupons and avail up to 30% off.

Available Specification:

  • Display Size: 6.0 inches with 1440x2880 pixels resolution
  • OS: Android 8.0 Oreo
  • Memory: 4GB RAM, 64/128 GB internal storage
  • Camera: 12.2 MP with dual LED Flash
  • Processor: Octa-core Qualcomm snapdragon 835

OnePlus 6

THE LONG-AWAITED OnePlus 6 is now official, following its launch last week, and thanks to the huge number of spoilers and leaks building up to the grand unveiling, the latest OnePlus flagship has few surprises in store.

Not surprisingly, the OnePlus 6 is the association's greatest cell phone yet on account of its augmented 6.2in show. In any case, it's an indistinguishable size from its 5T ancestor on account of its, er, iPhone X-style indent. 

Somewhere else, you'll discover a Snapdragon 845 CPU, redesigned double 16MP and 20MP cameras and an all-new glass outline, which will be made accessible in Midnight Black, Mirror Black and Silk White shading choices. 

The OnePlus 6 will be made available in Midnight Black (8GB/128GB and 8GB/256GB configurations), Mirror Black (6GB/64GB, 8GB/128GB) and Silk White (8GB/128GB).

Available Specifications:

  • Display Size: 6.2in 2280x1080 Full Optic AMOLED 19:9 display
  • Processor: Qualcomm Snapdragon 845 with 8GB LPDDR4X RAM
  • OS: Android 8.1 Oreo with OxygenOS
  • Available Camera: Dual 16MP (f/1.7) and 20MP cameras with OIS, Advanced HDR
  • Memory Size: 64GB, 128GB or 256GB storage
  • Available Sensors: Rear-mounted fingerprint scanner, Face Unlock
  • Available Colors: Midnight Black, Mirror Black, Silk White color options

LG G7 ThinQ

LG has been genuinely quiet this year. In any case, that there was some declaration from the organization. It propelled the top of the line G7 ThinQ smartphone. This smartphone accompanies top of the line equipment and will contend with any semblance of the Galaxy S9, OnePlus and Pixel 3. 

In respect to some other top of the line telephones we have seen so far this year, the G7 ThinQ is exhausting. We will have more to say in regards to the telephone in coming days, however for the time being here is your snappy prologue to the G7 ThinQ.

The LG G7 ThinQ is the successor to the great LG G6 and is a lead offering from the South Korea-based cell phone maker. The gadget ships with control stuffed highlights that influence it to emerge in the current cell phone advertising. 

Despite the fact that the LG G7 ThinQ hasn't been modified much as far as an outline, the cell phone dons a full metal body with a back-mounted unique ark peruser. The LG G7 ThinQ attributable to the metal unibody outline and smooth looks overflows a top-notch feel. 

It runs the LG Optimus UX 7.0 UI wrapped under the Android 7.1.1 Nougat working framework out of the case.

Available Specification:

  • Display Size: 6.10 inches with 1440x3120 pixels resolution
  • OS: Android 8.0 Oreo
  • Memory: 4GB RAM, 64GB internal storage
  • Camera: 16 MP with dual LED Flash & 8 MP
  • Processor: Octa-core Qualcomm spandragon 835
  • Battery Size: 3000mAh

Tuesday, June 19, 2018

4 Reasons Your Utility Costs Keep Rising & How to Save

Your utility bills are probably some of your largest monthly expenses, and that is why you should constantly be on the lookout for any unusual fluctuations. Ignoring those inconsistencies might end up costing you thousands of dollars every year. 

Here is a closer look at a few of the most common reasons why utility bills suddenly go up and some steps that you can take to bring them back down.

Leaks in the Plumbing System

A slow leak might not seem like a big deal, but it could actually be costing you more than you realize. One study funded by the EPA found that fixing easily corrected water leaks will reduce the average homeowner’s water bill by nearly 10 percent

Over the course of an entire year, those leaks are going to add up. Most slow leaks around faucets and spigots can easily be fixed with thread seal tape or new 0-rings.

Pilot Lights Aren’t Burning Efficiently

Even though pilot lights don’t use that much gas, they still need to be burning cleanly. You most likely have at least two or three pilot lights throughout your home, and each one probably burns a few dollars’ worth of gas every month. 

Pilot lights are usually found in water heaters, older stoves, furnaces, and gas dryers. The flame on a pilot light should be clean, consistent, and somewhat blue. Most pilot lights can easily be adjusted with a nearby knob.

Older Electronics Are Drawing Energy

Most electronics will continue to draw a small amount of power as long as they are plugged into the wall. Modern homes often have dozens of devices plugged in at all times, and those “phantom loads” will eventually add up. 

In any rooms that you don’t regularly use, the electronics should be unplugged entirely. You can also plug some of your devices into power strips so that you can cut the power to multiple electronics at once. 

Some of the worst offenders include televisions, desktop computers, laptops, and video game consoles.

The HVAC System Is Aging

Older HVAC systems are notoriously inefficient, and that is why most contractors suggest replacing any cooling or heating system that is more than 15 years old. Unfortunately, this is one project that you shouldn’t tackle on your own unless you have extensive experience and the right tools. 

Any mistakes that you make during the installation process could increase your energy bills or damage the system.

If you are still having issues with your utility bills, then you might want to hire a residential inspector. These professionals usually inspect homes before they are sold, but they can also help you find issues such as water leaks, gas leaks, and damaged insulation.

Saturday, June 16, 2018

Home Loan Eligibility Calculator - Get the Best Lender with It

Most of the people who don’t have the required funds to purchase their homes depend on a housing loan to fund it. However, applying for a Home Loan in your city without determining your Home Loan eligibility can lead to a rejection. As a result, qualifying for a Housing Loan becomes a must. 

Let the Home Loan eligibility Calculator Help You

Prominent names in the House Loan financial industry have made an online tool known as the Home Loan eligibility calculator available for customers. You can use the eligibility calculator to quickly know your loan eligibility or the amount that you can borrow.

The Home Loan eligibility calculator works when you provide your age, all types of income, existing liabilities and the desired repayment tenor.

As soon as you enter these details in the calculator, you get to know an amount that you can avail as a housing loan after meeting other terms and conditions of the lender.

However, sometimes you may not be qualified enough to avail a desired Home Loan amount and will need some tips to increase your Home Loan eligibility.

Here are some quick tips to help you qualify for a larger housing loan amount:

Extend the Tenor of your Housing Loan

Want to increase the Home Loan amount that you wish to seek? Apply for the maximum tenor available with the lender to boost your eligibility. 

What’s more, extending the loan repayment into a wider tenor will also be affordable for you. Like this, you can pay smaller EMIs and never feel the burden of paying a loan.

Ensure to Pay off all Previous Debts

When you can pay off all existing debts before applying for a Home Loan, you can also free up all such figures to make way for the Home Loan EMIs or the repayments. 

Lenders may not approve your loan request if they see you already have too many obligations to clear as they may consider you as risks.

Club Income of your Family Members

Are you getting a Home Loan lower than what you desired which may not suffice a good home purchase? You can combine income of your family members such as spouse and more to increase your eligibility for a higher loan amount. 

Also, clubbing the income of your family members who have a higher CIBIL Score can also help you avail a loan at lower rates.

Don’t Forget to Include Perks and Bonus

Did you know that including other sources of income such as yearly bonus while calculating your loan eligibility can also help you qualify for a higher amount? 

Don’t forget to add your annual performance bonus and other incomes to get an approval for a higher amount.

A Quick Look at Home Loan Eligibility Conditions

You can qualify for an upcoming housing loan if you meet the below standard housing loan eligibility criteria:

  • A Home Loan borrower needs to be a citizen of India 
  • His/her age should be under the bracket of 23-58 years 
  • He/she should be a salaried profession with work expertise of at least 3 years 
  • The minimum loan amount that one can avail is Rs.20 lakh, and the maximum limit is Rs.20 lakh. 

Documents Required for Home Loans

You will also need to furnish some documents required for Home Loan to qualify for a loan application such as:

  • KYC documents 
  • Address proofs
  • Identity proofs
  • Recent photograph 
  • Latest Salary Slips or Form 16 
  • Last 6 months’ bank account statements 

The Bottom Line

Since you are now aware of the tips that can help you boost your eligibility for a Home Loan, implement it in practice and avail a Home Loan of your choice. All the best!

Wednesday, June 13, 2018

Choosing Loan Against Property To Tackle Your Financial Worries Perfectly

It is impossible always to stay ready for an emergency; someone might need immediate access to funds at a moment’s notice. Under such circumstances, loans become the best option to fight against cash crunch. 

While there are multiple types of loans available in the market, a loan against property, or LAP, is one of the cheapest & secured options available in India. 

Multiple lenders offer this type of loans in the Indian market; financial institutions like Bajaj Finserv even provides hassle-free Loan Against Property of up to Rs. 3.5 Crore for individuals with facilities like easy balance transfer and flexible tenor options.

Loan against land property offers a unique opportunity where you can keep your personal or commercial property as collateral and borrow money against it. An attractive feature of this type of loan is the amount of fund. Up to 40%-70% of your property’s market value will be available as a loan.

LAPs are a great solution for anyone who is looking for a quick boost in his/her financial condition. A person has to meet a few criteria to apply for these types of loans. Although they differ between different institutions, some requirements are common amongst all.

If you are availing a loan against property India, you must be an Indian citizen and own the property yourself. Also, as an applicant, you must be employed. 

Whether you are a self-employed or salaried individual, you must have a stable source of income. Also, a good CIBIL score is preferred to get a LAP.

Loan against a property offer multiple benefits other options. These are made to be easy to avail, with a relatively low-interest rate and long repayment tenor. Let’s take a look at some of the features of LAPs.

Easy to Avail

As you are keeping your property as collateral, the process becomes a lot quicker and streamlined. You need to submit the papers of your property along with documents like ID proof, address proof and proof of income, and your loan application will go through immediately.

In this respect, while most banks and NBFCs need to stand in queues over long waiting hours, companies like Bajaj Finserv offer hassle-free loan disbursal with minimum documentation. Also, they provide doorstep service for submitting your documents and have a quick processing time of only 72 hours.

The Flexibility of Use

Another benefit of availing a LAP is the flexibility to utilise the funds according to your requirements. Banks and NBFCs do not restrict the use of the money. You can use the funds for anything from financing a wedding to expanding your business.

It also opens the option to consolidate your existing loans. Low-interest rates and high tenor period are the perfect reason why a loan against property helps you consolidate your existing debts.

Continued Ownership

Unlike a home loan, where you do not receive the ownership of the property unless the loan is paid in full, loan against property does not take the ownership of the collateral from you. 

If under any circumstance, you are unable to repay the loan, you can sell your property and use that money to repay the balance amount to the bank. Such a feature gives you the freedom to have an option to clear the loan if an issue arises.

Low Interest Rates

Loan against property is also attractive for their low-interest rates. 
LAP Interest rates are always lower than personal loan. Interest rates of a personal loan are more than almost 1.49% to 10.25% from a loan against land property.

Whether you need money for your child’s education or growing your business, a loan against property gives you the power to tackle all your financial problems. Also, with financial institutions like Bajaj Finserv bringing pre-approved offers for your loans and EMI financing, you can simplify your financing process and save your precious time. 

With only a few clicks and some basic details, you will be able to Check Pre-Approved Offer for loan against property.

For Additional Read Visit: 4 Reasons Why A Loan Against Property Helps In Consolidating Existing Debts

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