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Gone are the times where a group of numbers are used as basis for an individual’s identification. Also, no more are instances wherein an employee has got to use an access card with great care he or she will gain entry or access to the office or facility. Nowadays, tons of business and governments have invested on biometric logging systems, which are software technologies that use persons’ physiological characteristics for safety and security purposes, whether it involves logging in or logging out of labour or accessing vital data. These software systems power certain hardware that function physiological readers. The unique information obtained from fingerprints, finger or palm veins, irises, or maybe facial composition are then stored within the software, identifying the individuals.

Ever since the arrival of the web and advancements in technology sector, many CFD trading businesses have flourished. Case in point: the increase of the outsourced employees. Many of today’s big names within the industry had humble beginnings as start-up companies. One among the explanations for his or her success is by knowing where to take a position and what systems to adapt. Start-up companies can greatly enjoy investing on biometrics. However, it’s important that they strongly consider which software and hardware best suit them supported what they have, also because the nature of their CFD trading business and other circumstances.

As such, here are some considerations before making an investment on biometric systems:

• There is nothing wrong with investing on fingertip scan technology, which is that the commonest sort of biometric system. However, start-up companies must also consider if it works during a certain sort of working environment. As an example, workers exposed to dirty tools and machinery, to not mention the likelihood of sustaining cuts and bruises, would have difficulty having their fingertip scanned due to their hands’ condition. In such instances, fingertip scanning systems aren’t conducive during this sort of working environment.

• While fingertip scans are available, there also are other sorts of biometric scanning systems that start-up companies may consider investing. Samples of such are the palm vein and finger vein scans, also referred to as vascular biometric systems. Rather than fingerprints, the vein pattern underneath the skin of the finger or palm is employed to spot the individual.

• Start-up companies shouldn’t recoil from investing on biometric systems, albeit it’s somewhat costly. They ought to view it as an impractical investment; instead, they ought to view the future benefits of getting one.

The impact of biometric logging systems goes way beyond personnel identification, as these have also extended to issues with regards employment and labour as mentioned by experts. Tons of employers have invested on biometric scanning systems as how to scale back instances of labour errs clocking in and out of work on behalf of their other co-workers, which is fraudulent. Employers also found these systems beneficial due to their accuracy, hence avoiding the likelihood of employees alleging claims of failure to pay overtime.

On the opposite hand, some employees have challenged the utilization of biometrics, not only seeing them as intrusive of their privacy, but also discriminatory in certain aspects. Problems with disability and non-secular beliefs gave rise to numerous lawsuits and claims in connection to the utilization of biometrics. This is often why it’s imperative for employers to get the groundwork on ensuring that the fears of employees using biometrics for the primary time are allayed.

If anything, we are already within the age of biometric systems. It’s not anymore a topic of science fiction; they’re here to remain for an extended time. It’s really up for the start-up companies to form careful choice in not just making such an investment, but also making it work for the advantage of their employees.

When we start earning on our own and become self-independent, a common thought that arises in all of our minds is that never again will we need to borrow money from anyone. But no matter how well established we are and how much of a steady salary we earn every month, sometimes even the best of us face a cash crunch situation, where we need a quick way out.

In such situations, although there are a variety of options to choose from, one of the very best is to take a personal loan. A personal loan, which is a short term unsecured loan usually between ₹10,000 to ₹500,000, is transferred directly to your bank account by a lender who specializes in short term lending transactions.

If you are a salaried employee, getting approved for a personal loan becomes much easier, as the lender uses your steady salary as a guarantee that you will pay back your loan on time. But do you know how much amount you can get on a personal loan when you are salaried?

If this question has been pondering your mind for some time now, then this blog post is for you.

In today’s article, we will discuss the various factors that are taken into account while approving your personal loan application and also share with you the various amounts you can avail as a salaried employee from a personal loan. Let’s get started.

What Is a Personal Loan?

In simple terms, a personal loan is a short term, unsecured loan rendered by a lender who specializes in short term lending transactions. The amount of personal loan ranges between ₹10,000 all the way to ₹500,000 with some lenders rendering higher amounts up to ₹200,0000.

While the application process for a personal loan is very simple and straightforward, thanks to the huge number of lenders who are present in the market, getting it approved might be a challenge.

Factors Under Consideration

Now that you know what a personal loan is, let us take a look at some of the factors that are taken into consideration when you apply for a personal loan.

Credit Score

One of the first and most important factors that are taken into consideration when you apply for a personal loan is your credit score. In simple terms, you can understand your credit score as a number that determines your creditworthiness or, in other terms, how likely you are to pay back a loan when you take one.

In India, there are 2 main organizations that keep track of your credit score, and they are CIBIL and Experian. Both private organizations by nature take into consideration four main factors when assigning you a credit score; the number of loans you have taken in the past, the total amount of debt that you presently have, historical data on the EMIs you have paid, any missed payments or defaults which might have occurred in the past.

Depending on the lender you choose to apply with, they will either consult with your CIBIL score or Experian Score to determine if you are worthy of getting the loan or not.

Your Monthly Income

The second factor that is taken into consideration when you are applying for a personal loan is your monthly income. In this aspect, your application is categorized into either of two categories, salaried employee and self-employed professional. Depending on the category you fall into, your application is reviewed and then approved if you are eligible for the loan.

Generally, it has been observed that if you are a salaried employee, your chances of getting your personal loan approved are higher. While there is no set forth amount you need to earn every month in order to get a personal loan, different companies put forward different criteria based on their individual risk-taking abilities.

For example, Money View, which is one of the leading personal loan lenders in India, has a mandate which states that you need to have a minimum monthly income of ₹13,400 in order to apply for a personal loan on their website.

Along with this, when you start doing your own research and check with multiple lenders, you will realize that each of them usually has a higher minimum income amount when you are self-employed as compared to when you are a salaried professional.

Personal Details

Thanks to the digital India movement, most personal loan applications these days are completely online. All you need to do is either visit the official website of the lender or download their smartphone application and enter your details.

When applying for a personal loan, you will need the following documents.

1. Aadhar Card
2. PAN Card
3. Residential and Permanent Address
4. Phone Number
5. Bank Statement

Although these are basic details and requirements, almost every personal loan lender in the market asks for these and takes them as factors under consideration when reviewing your personal loan application.

Thus you need to make sure that you keep all these details handy and that each of them is linked with one another so that your lender can seamlessly verify all your details.

How many loans Can You Get Depending on Your Salary?

Now that you are aware of all the criteria that are taken into consideration when lenders review your personal loan application, the obvious question that must be pondering your mind is, how much amount can I loan if I am a salaried employee?

Well, there is no clear mandate on how much money you can loan when you are salaried, but the general understanding in the industry is that the higher your salary, the better your credit score and the greater is the stability of your job, the higher will be the amount which you can loan.

Most lenders in India today give out personal loans in the range of ₹10,000 to ₹500,000 with some lenders giving as high as ₹25,000,00. Depending on the above-mentioned factors, the lender will assess your application and then approve your loan amount.

Conclusion

Getting a personal loan when you are in a cash crunch situation is one of the best things to do. Not only will it save you from your cash crunch situation, but also help you build a healthy lending habit and contribute to a higher credit score in the future. So go ahead and apply for a personal loan from your favorite lender today.

In today’s world, which is full of ailments, being capable of sitting or standing upright can make a person’s life less troubling, and all this is possible only because of your spine. The spine is the heap of small bones, which are called vertebrae in the middle of the back, and it provides support to the whole of the body. So, it can be a very traumatic experience for you to get to know that you have a spinal disorder. But you can overcome your fears by getting a wider picture of your condition and getting to know its absolute treatment.

So, if you are facing similar concerns and looking for treatment in Udaipur, you can undoubtedly visit Spine Hospital in Udaipur.

Shriram Spine Hospital (SSH)

Shriram Spine Hospital is located in Madhuban, Near ICICI Bank, Udaipur, Rajasthan. It was established in 2013 and has now become the prestigious spine specialist centre which is providing medical facilities to everyone at reasonable prices.

The hospital is equipped with

• Fully furnished air-conditioned rooms
• Emergency rooms
• General wards
• ICUs
• Proficient medical staff
• Advanced equipment for diagnosis and treatment

Medical Facilities offered

SSH offers several non-surgical, surgical and specialized treatments for spinal disorders. Have a look at all of them:

1. Non-Surgical:
2. Back pain
3. Neck pain
4. Sciatica
5. Spinal injection
6. Cervical Spondylosis

• Surgical:
• MIS TLIF
• Lumbar Micro-Endoscopic Discectomy
• Disc Replacement
• Tumour Excision
• Fracture Fixation
• Balloon Kyphoplasty
• Vertebroplasty

• Specialties:
• Kyphosis treatment
• Scoliosis treatment
• MISS
• Revision Spine Surgery
• CV Junction

Out of all the spine treatments available at SSH, some of the key medical procedures are:

• MISS: SSH has surgeons, doctors and other medical staff members who are expertise in their field and they perform this ‘Minimally Invasive Spine Surgery’ for the treatment of chronic pain. SSH has successfully performed several MISS surgeries and has helped many people to cure their ailments.

• Kyphosis Correction: When the upper area of the back gets abnormally rounded, this condition is called Kyphosis. It is the cause of severe discomfort in the body. SSH has a team of surgery specialists that performs specialized surgeries to cure Kyphosis.

• Scoliosis Correction: It is caused due to the curving of the spine abnormally. Additional curves are also formed on either side of the body which is a condition that should not be neglected. The team of SSH has successfully performed surgeries for curing Scoliosis and freeing the people from their ailments.

• NIM Eclipse: It is advantageous during Scoliosis and Kyphosis surgeries because they involve risks to the nervous system. It helps to restrain the neural structures, test their functions, and the early detection of any neural injury.

• MRI: SSH has an MRI centre with advanced technologies.

Team of Doctors at SSH

Dr. Chirayu Pamecha: He is the Spine Surgeon at SSH. He has performed over 4000 successful injuries of the spine and over 450 surgeries for Kyphosis and Scoliosis. He has ample experience and expertise in the field of spinal operations and is the only surgeon in Rajasthan who is a faculty in AOSpine Asia Pacific. He took his training in eminent spine centres in Japan, Mumbai, Australia and Ahmedabad.

Dr. C.K. Pamecha: He is the Senior Physician and CMD at SSH.

Dr. Deepak Shah: He is the chief Anaesthetist at SSH.

KUBJA Trust: KUBJA is a charity trust which began in continuance with SACT (Save a child trust). It was started in 2009 mutually with GBH American Hospital, in which Dr. Chirayu served as a spine surgeon from 2006-2012. SACT began with a mission of helping the children suffering from Scoliosis. SSH was founded in August 2012, and to carry on the purpose of SACT, KUBJA was registered on 21/11/2012.

KUBJA took several steps to fulfil its mission. They are:

• To provide the free spine deformity clinic at SSH
• To provide free X-rays and consultation
• To perform the surgeries at subsidized charges
• To raise funds for aiding in expensive implants
• To conduct training programs for the staff so that the children can be screened at regular intervals

Shriram Spine Hospital has performed 88 KUBJA surgeries up to now and still contributing to this noble work.

Conclusion

SSH gives the preference to the care and safety of the patient by providing advanced cure to their ailments. SSH provides the amalgam of solace and care with its specialized rooms and intensive care units. It also offers services in emergency situations along with the after-treatment care that helps the patients to lead a comfortable and better life, which is devoid of any kind of pain and ailments.

CCI or Commodity Channel Index is an indicator mainly used to confirm momentum price action in stocks or commodities, developed by Donald Lambert in 1980.

Not going deep into calculation let us note down that the indicator generally stays between -100 to 100 & plotted as a sub graph to the price window of the chart.

When CCI of a commodity is between 0 to -100 it is said to be in bearish territory & while CCI is between 0 to +100 it is said to be in bullish territory.

Generally CCI is used for 20 period counts of charts, however some traders often like to use 14 or 10 period counts to increase sensitivity of trade signals. With increased sensitivity of early signals generally risk of higher number of false signals also increases.

However as we have said in the very beginning CCI indicator is more useful in capturing momentum move, a commodity whose CCI crosses +100 is considered to be very bullish and momentum may continue until the CCI falls back below 0.

Similarly a commodity whose CCI crosses -100 is said to be in bearish momentum and the bearishness may fade only when CCI moves above 0. 

Now the above example was in the daily chart. But, if we talk about intraday trading the role of momentum becomes even more important as the trader has to make entry and exit on the same day itself.

A goal of an intraday trader is to ride the momentum and capture part of a bullish or bearish rapid price move. From that perspective it becomes equally important to learn commodity trading and select appropriate commodities which have generally higher intraday volatility like crude oil, natural gas or silver etc. 

Also important is the selection of time frame. For a manual trader it is generally more tough to manage any time frame which is less than 5 minutes as the scope of noise in an extreme shorter time frame is generally on the higher side.

 It has been often observed that the ideal timeframe for an intraday trader is 15 min to hourly chart.

15 minutes is generally better than 30 minutes or hourly because most of the intraday rapid moves happen for an hour or two followed by consolidation. Hence the choice of a 15 minutes time frame gives us the opportunity to have timely entries and exits.

Let us look at the above example in the WTI Crude Oil 15 minutes chart.

 By the simple rule of long entry when at the close of candle CCI closes above +100 & exit when CCI closes back below 0 has given a wonderful bullish intraday trade.

 In the same chart the entry in short side when CCI closes below -100 and exit when CCI moves back above 0 has given an even better short trade as shown in the chart.

 Now exit can also be managed by trailing stop loss, some moving average crossover or some other technical trend-following indicator like supertrend to maximise the gains. Let us look at another example of the same trade  methodology in the following natural Gas 15 minute chart.

 As we can see that this was such a good trade that momentum carried to the next day also. We have marked the day break with a blue line. Even if one had to exit at close , he/she would have a similar chance the next day to re-enter and make intraday profit on the next day.

The above rule may work fine for a relatively more volatile commodity like CrudeOil or Natural Gas. But to apply the same rule to a relatively lesser volatile commodity like silver you need to filter the trades with a 80 period CCI along with standard 20 period CCI in a 15 minute chart.

 If you think deeply you will understand that an 80 period CCI in a 15 minute chart is a good approximation of a 20 period CCI in an hourly chart.

 Well, if one applies the initially defined entry rule only when 80 period CCI in a 15 minute chart is above +100 for buying entry and when 80 period CCI is below -100 for selling, one may avoid many false or useless signals and trade only in the best signals.

In the following chart Silver Chart we can see how we could avoid many poor buy signals earlier and trade only in a better buy opportunity with the help of additional 80 period CCI. CCI is a very useful tool for momentum intraday traders. There can be many more variations. Readers are advised to explore more about it by innivative experimenting. 

The requirement for some extra cash or a loan can come in at any time. It could be a medical emergency, a requirement to pay school or college fees, to fund a vacation, or even meet the month-end cash crunch.

Personal loans always come in handy in such situations, as they are easy to avail and are lower on documentation needs. When in emergency situations, time is of great importance. Hence, a loan should be made available, when it is needed the most.

Money View is a new age fintech lender who believes in enabling easy and convenient credit to everyone. With its totally digital experience, paperless process, and faster approval and equally fast disbursal, availing of a personal loan from Money View is a delightful and effortless process.

Read on to know all that you need to know about Money View Instant Personal Loans.

Features and Benefits of Money View Instant Loans:

• Eligibility check for a Money View personal loan just takes 2 mins
• Borrow any amount starting from Rs. 10,000 and going up to Rs. 5,00,000
• Enjoy relaxed repayment terms of up to 5 years
• Fast disbursal of your loan amount in just 2 HOURS of approval
• The entirely paperless process ensures lesser effort and hassles
• Low credit score? You can still get a loan with our alternate credit model
• Low-interest rates start from 1.33% per month
• No prepayment penalty if 3 EMIs are paid.

How do You Apply for an Instant Personal Loan from Money View?

It is extremely easy to apply for a Money View personal loan either on the app or on the website. The process is simple and user-friendly and takes just 4 simple steps.

1. Eligibility Check: 2minutes is all it takes to check your eligibility
2. Plan Selection: You can choose a loan amount and repayment tenure that suits your financial needs
3. Upload Documents: Provide your personal details and upload the necessary documents, all on the app or website
4. Get the Loan Amount: Get the loan amount disbursed to your account in 2 hours of approval.

Interest Rates and other Charges on Money View Paperless Loan

Interest rates and other charges on a Money View loan are extremely pocket-friendly and competitive which doesn’t seem like a burden on your finances.

The schedule of interest rates and other charges on Money View loan are

Fees & Charges	Amount to be Paid
Interest Rate	From 1.33% per month onwards
Loan Processing Charges	Between 2.5-6% of the approved loan amount
Part/Full Payment of the Loan (Loan Foreclosure)	No penalty charged on full pre-closure of the loan after payment of 3 EMIsNo part-prepayment allowed
Interest on Overdue EMIs	2% per month on the overdue EMI/Principal loan amount
Cheque Bounce	Rs.500/- every instance of bounce
Loan Cancellation	No additional charges are levied.Interest is charged for the period between loan disbursement and loan cancellation.Processing fees are retained.

Eligibility Criteria for Applying to Money View Personal Loans

The eligibility criteria to apply to Money View instant personal loan is transparent and easy to understand. Also, we have open eligibility criteria so that credit is made available to as many individuals as possible.

• Be salaried or self-employed
• Have Monthly in-hand income of ₹13,500* or more
• Income received in a bank
• Min CIBIL score of 650 or Experian score of 750
• Should be aged between 21 years and 57 years

Documentation Requirements for Applying for Instant Personal Loan

Personal loans from Money View are very easy to avail, so are the documentation requirements for our loans. The documents required for the loan are

ID Proof	Anyone of the following: Voter ID CardAadhaar CardValid Indian PassportPAN CardValid Driver’s License
Address Proof	Anyone of the following Ration CardAadhaar CardValid Driver’s LicenseValid Indian PassportVoter ID CardUtility Bill – (Gas Bill/ Telephone Bill/ Electricity Bill/ Water Bill) or Bank Statement -Generated within the last 60 days
Income Proof (for self-employed)	Last 3 months’ bank statement (in PDF format) or last 2 years’ ITR
Income Proof (for salaried)	Last 3 months’ bank statement (in PDF format)

Top 10 Uses of an Instant Personal Loan

• To repay other high-interest loans like credit card outstanding, etc.
• To meet emergency expenses
• To consolidate other debts
• For starting a business venture
• To build your credit history
• For remodeling your home
• Fund your travel plans
• To pay down-payment of big-ticket loans like home loans
• To buy an expensive electronic or electrical gadget
• To meet educational expenses

Personal loans are undoubtedly convenient and easy to avail; however, it is important that you avail of a loan that can be repaid easily with your existing income. Equally important is that you repay promptly so that your credit score does not get affected negatively

Children do not have a long attention span. And that is why they do not like to engage in activities like reading books. But if they are to gain knowledge and learn about things outside of what they already know, they must read books. Now, the question is- how to make kids develop an interest in reading? Well, there are different ways to make this happen, but the importance of a book with an attractive book cover cannot be overemphasized. And it goes without saying that children consider visual appeal extremely important. So, their books need to have attractive book covers with amazing illustrations. Now, let’s discuss some of the most important qualities of illustrations meant for childrens book covers–

· If you have ever spent time with kids, then you probably know how amused they get when they see colors. Colors play an extremely important role in a child’s life. Starting from what they wear to what they play with, they like everything they use to be colorful. And that is why it is important that the books you hand them to read have colorful illustrations on their covers.

· Illustrations for children’s book covers should be created, keeping their understanding level in mind. So, the subjects and objects in the illustrations should not imply anything that kids cannot comprehend. In fact, what subjects and objects are chosen should be based on children’s familiarity with them. Complexity is a strict no-no for kids. Also, stay away from abstract elements. Hence, starting from the message that the illustration conveys to the characters and objects used in it, nothing should reflect abstractness.

· Since, we are talking about cover page illustrations, they should portray the theme of the book. And when an illustrator decides to convey this theme through their illustration, they should aim at exactness. Children do not like it when they see something on the book cover, get excited about it and then find a story inside the book that doesn’t quite justify the cover. If you have chosen to make the illustration on the cover page interesting or exciting, make sure the content in the book justifies it. Don’t include anything that is not in the story. You will have to be extremely specific when you handle this aspect. 

For instance, if a mass of cloud in your illustration has a face, then it’s likely that the child who has picked up this book to read will expect the story to have a talking cloud as one of its characters. So, do not mislead the kids through your illustrations. You will have to be extremely careful as whatever the kids are going to see in the cover illustration; they are going to look for it in the story.

By keeping these simple points in mind, you will be able to create the perfect Illustrator for hire for children’s book cover. But then it is always wise to hire an illustration expert for this job, rather than going DIY. After all, they know their trade well and are least likely to make unnecessary mistakes.