October 2018 – Skilled Push Button Online Income

Apply for SBI Credit Card Online for Best Offers and Benefits

Maria Gallucci6 years ago6 years ago011 mins

All of us need a hassle-free approach to buy things without cash in hand. Gone are those days when you had to put an abrupt end to your impulsive buying owing to lack of cash in hand. Today, Credit Cards have replaced cash. And what more, you don’t even have to pay upfront for your purchases as they let you shop on credit. The bank offers you a credit limit on your card. You have to pay back the money utilized by you at a later stipulated date. Using Credit Cards also help you build your credit score which can be helpful when you wish to apply for a loan in the future.

When there are a plenty of options available in the market to choose from, getting the right SBI Credit Card can be confusing. State Bank of India (SBI) offers a host of options to choose from with attractive benefits and offers.

Here are some of the most popular types of Credit Cards offered by SBI:

Lifestyle Credit Cards

Card Name

Benefits

Fees

SBI Card ELITE

E-gift voucher worth Rs. 5,000 as welcome gift
Free movie tickets every year worth Rs. 6,000
Earn up to 50,000 reward points worth Rs. 12,500 every year
Win complimentary membership of Priority Pass Program
Get a complimentary visits to international airport lounges each year
Get 2 reward points on spending each Rs. 100

Joining Fee: Rs. 4,999

Renewal Fee: Rs. 4,999

Doctor’s SBI Card ( in association with Indian Medical Association or IMA)

Professional Indemnity Insurance Cover worth Rs. 10 Lakhs
E-gift voucher of Yatra.com worth Rs. 1,500 as welcome gift

· Earn 5x reward points on all medical supplies, international spends, and travel bookings

· 5x reward points on all your sends made on Doctors’ Day (i.e. 1^st July)

· E-gift voucher worth Rs. 5,000 on annual spends of Rs. 5 Lakhs from Bata/ Yatra.com/Shoppers Stop

· Renewal fee waiver on making annual spends worth Rs. 2 Lakhs

· Complimentary Priority Pass Program membership

· Get 4 complimentary visits each year to the lunges of International Airports and 8 Domestic Airport Lounges visits in India

· 1% waiver of fuel surcharge at petrol pumps across India

Joining Fee: Rs. 1,499

Renewal Fee: Rs. 1,499

Rewards Credit Cards

Card Name	Benefits	Fees
SBI Card PRIME	Welcome e-gift voucher worth Rs 3,000 from Hush Puppies, Bata Marks & Spencer, Pantaloons, Yatra.com, or Shoppers Stop · Earn 20 reward points on spending every Rs. 100 on standing instructions of the payments of utility bills · Earn 15 reward points on spending every Rs. 100 on Big Basket, Reliance Trends, Reliance Fresh, Reliance Footprint, Reliance Smart, and Sahakari Bhandar stores · Earn 10 reward points on spending every Rs. 100 on Dining, Movies, Groceries, and Departmental stores Get e-voucher of Pizza Hut worth Rs. 1,000 on spending Rs. 50,000 each quarter Renewal fee waiver on spending Rs. 3 Lakhs annually E-gift voucher of Rs. 7,000 from Pantaloons or Yatra.com on spending Rs. 5 Lakhs annually Earn 1,500 reward points on your first hotel stay and additional Rs. 1,000 credit on extending hotel night stay Complimentary membership to Club Vistara Silver Get 1 complimentary voucher to get access to lounge and 1 upgrade voucher 4 complimentary international lounge visits in a year 8 complimentary domestic visits in a year to domestic VISA or Mastercard lounges in India	Joining Fee: Rs. 2,999 Renewal Fee: Rs. 2,999
Apollo SBI Card	· 500 reward points worth Rs. 500 on payment of joining fee · Complimentary membership to Apollo Silver Tier · Up to 10% instant discount at partner Apollo services · 3x Reward Points for every Rs. 100 spent on Apollo services · Get annual fee waived off on spending Rs. 90,000 or above annually. · Enjoy 1% fuel surcharge waiver across all Indian petrol pumps	Joining Fee: Rs. 499 Renewal Fee: Rs. 499
Tata Platinum Card	E-gift voucher of Rs. 3,000 from Yatra/Hush Puppies/ Bata/Marks & Spencer/Westside Get 2% cashback on spending at Croma Value back of up to 5% on spending at Tata outlets 3x reward points on spending at departmental and grocery stores, dining, and international spends Earn 1 reward point on spent of per Rs. 100 on other retail outlets 1 Empower Point means Re. 1	Joining Fee: Rs. 2,999 Renewal Fee: Rs. 2,999

Shopping Credit Cards

Card Name	Benefits	Fees
SimplyCLICK SBI Card	Gift voucher on joining worth Rs. 500 to shop on Amazon 5x reward points on online spending 10x reward points on online purchases at exclusive partners E-voucher worth Rs. 2,000 on annual online spending worth Rs.1 Lakh and Rs.2 Lakhs each	Joining Fee: Rs. 499 Renewal Fee: Rs. 499
SimplySave SBI Card	· 2,000 bonus reward points on spending Rs. 2,000 · 10 reward points for every Rs. 100 spent on dining, movies, departmental and grocery stores · Waiver of annual fee on spending Rs. 1,00,000 and above annually	Joining Fee: Rs. 499 Renewal Fee: Rs. 499
SBI Card Unnati	Free for the first 4 years Earn 1 reward point on spending every Rs. 100 Rs. 500 cashback on annual spending of Rs. 50,000 Fuel surcharge waiver of 1% across all petrol pumps	Free for first 4 years
Central SBI Select+ Card	E-gifts voucher of Central worth Rs. 3,000 Complimentary m-coupons valued at Rs. 500 each for the first 3 months. 20 Select Points on spending every Rs. 100 at Central stores 10 Select Points on spending every Rs. 100 on movies and dining 2 Select Points on spending every Rs. 100 on other retail buys (non-fuel)	Joining Fee: Rs. 2,999 Renewal Fee: Rs. 2,999
STYLEUP Contactless Credit Card	Flat 10% discount every year on shopping for apparel, accessories, footwear, backpacks, and school bags through FBB, Food Bazaar, and Big Bazaar outlets Earn 1 reward point on spending every Rs. 100 on all retail purchases (except fuel) Earn 10x reward points on shopping from Big Bazaar, FBB & restaurants FBB voucher of Rs. 500 as welcome gift 2,000 reward points every year as anniversary gift	Joining Fee: Rs. 499 Renewal Fee: Rs. 499

Travel and Fuel Credit Cards

Card Name	Benefits	Fees
BPCL SBI CARD	2,000 bonus reward points worth Rs. 500 on card activation 13x reward points on spending on fuel at BPCL petrol pumps 1% fuel surcharge waiver 5x reward points on spending every Rs. 100 at groceries, movies, dining, and departmental stores and on standing instructions of payments of utility bills. 1 reward point on spending every Rs. 100 for non-fuel purchases	Joining Fee: Rs. 499 Renewal Fee: Rs. 499
Yatra SBI Card	· Rs. 8,250 worth gift vouchers of Yatra.com on joining Rs. 1,000 off on booking domestic flights (on transaction of Rs. 5,000 or above). Rs. 4,000 off on booking international flights (on transaction of Rs. 40,000 or above). 20% off on booking any domestic hotel (on transaction of Rs. 2,000 or above).	Joining Fee: Rs. 499 + taxes Renewal Fee: Rs. 499 + taxes
IRCTC SBI Card	Upto 10% value back reward points for booking railway tickets through IRCTC Earn 1 reward point on spending every Rs. 125 on all non-fuel retail purchases as well as railway ticket purchases through IRCTC Get 350 bonus reward points on card activation Book railway ticket on irctc.co.in and get a 1.8% waiver on transaction charges Get 1% fuel surcharge waiver at all Indian petrol pumps	Joining Fee: Rs. 500 Renewal Fee: Rs. 300

With its wide range of Credit Card Offers for varied needs, SBI is one of the Best Credit Cards providers in India.

Office Renovations and Fit Out – Making it Easy

Maria Gallucci6 years ago6 years ago05 mins

An office renovation or a fit out is never an easy or cheap option to undertake. But if your company absolutely have to, there are ways to do it in as efficient and as low cost as possible. If you are a half decent company that’s worth its salt, you may want to hire the services of a professional fit out contractor. Now you might have had heard of horror stories from unscrupulous contractors that just pile up the costs with shoddy workmanship to boot. There are ways to make sure your company does not suffer the same fate. Office Fitouts & Renovations companies are numerous so it is easy to actually become overwhelmed with choices. Many office fit out companies melbourne will offer almost the exact same services at prices that are nearly identical so how to choose? Below are some of the things that you need to look out for when choosing a company.

Budget

Budget is relative and is sometimes the term afford does not translate to monetary values. What it translates to for reputable and decent companies is a balance of what they can afford to let go and do without. So with this being said always go for a contractor that you can afford, financially and whatever workarounds you may have in budget considerations. Efficiency is a factor, where the cheapest may not necessarily be the best one to go for. Never set your budget on an unrealistic level in order for you to avoid any change that will most likely occur in the duration of the project. Aside from setting the budget in a more acceptable and realistic level, always be aware that changes will happen with associated costs. Having the foresight will make these changes less of a surprise and can be dealt with accordingly as they occur.

Time

Like money, time also needs to be budgeted because time is money after all. If a contractor gives you an estimate that may be too good to be true, that is because it probably is. They might go in with promises but already have changes prepared up their sleeves. Ensure that all steps are covered without cutting corners.

Regulations and Contracts

A sure sign of a respectable fit out contractor will be their insistence on laying down everything you agreed upon in writing. Why? because a contract is simply the easiest way to protect both parties. By saying this everything that you and the contractor have agreed upon should be in writing. Remember they will almost agree to anything verbally but suddenly develop amnesia as the project progresses. Have a consultation with your lawyers to iron out any kinks and locate any loopholes if there are any. This would be a good time to ensure everything and all regulation are followed to avoid future problems. Regulatory approvals, building permits, health and safety issues should be no problem for a decent contractor.

These are just some of the things you can do or don’t do for that matter but using these will definitely land you a relatively safe and good contractor.

Why Go For Term Insurance Online?

Maria Gallucci6 years ago07 mins

Term insurance is one of the best life insurance plans that you must think fo for the safety of the family. This plan is highly effective for those who are looking for the complete safety of their family.

With the growing awareness, term insurance has already gained huge popularity. Attractive advertisements by the insurance companies are seeking customers attention on a daily basis. The option of purchasing effective term insurance plan online is also attracting many customers by helping them to compare the best term policies.

Term insurance is always considered as the best and most suitable policy by the experts of the insurance industry at lower premiums. Term insurance is one of the best ways to secure the future of loved ones. It is the best way and can offer huge benefits at a lower premium.

Here are the points to ponder when planning to purchase term insurance policy-

Adequacy of The Cover Amount

Life insurance cover is basically the amount that the insurance company offers to insured’s family in case of his or her demise in the place of earnings. Hence the first thing that you should keep in mind is the cover amount which should be enough for your family to meet daily expenses and other accountability of dependents. Select the best term plan with a cover that can help your family to live a relaxed life.

What’s The Policy Tenure?

A term of the policy is another thing that you should look for. Go for a policy that can offer coverage till your retirement. It is one of the best things that you can do for your family.

The new trend of late marriages and having children at a higher age has changed the lives of people where people generally don’t retire from our responsibilities at an age of 60 years.

The best term policy offers you the flexibility in selecting the tenure according to the situations. There are fixed tenure policies with cover for 15, 20, 25 or 30 years. Some plans might not provide coverage after 60 years. It is always good to go for policies that can be customized according to your need.

Comparison of Plans

Well, it is true that online insurance industry is full of options and this makes it quite difficult to choose the best one accordingly. So in such case, it is always advisable to choose an online insurance web aggregator which can help you to compare term insurance online to get the best one out of all. It will help you in finding the most accurate and affordable policy according to your needs and budget. In addition to the plan, you must also keep an eye of claim allowance when deciding on the insurer.

Inflation Factor

There is no doubt about this factor and we all are aware of the growing inflation rate. It has already acquired an important place in everyone’s life. A cover might look sufficient for present but will be good enough for the future as well. Think about it, calculate expenses keeping the inflation rate in mind and then go for the accurate plan.

There are many insurance companies which are providing a solution of increasing your cover every year by 5-10% but such plans have higher premiums as well.

Online Term Plan Benefits

Nowadays, almost all insurance companies have come out with the idea of an online term plan. They are offering huge benefits along with the same. To get the best plan online you must compare and contrast process and analyze each plan minutely. Online term insurance plans are quite affordable as compared to offline as there will be no broker cost.

In addition to the above points, one must also look for the claim settlement ratio of the company for the selection of the best term policy.

All these steps can easily help you in choosing the best term plan according to your needs that will be a great gift for your family during hard times of life.

Free Credit Card Terminal – Good or Bad?

Maria Gallucci6 years ago6 years ago04 mins

Are you offered free equipment to process credit cards with your merchant provider?

There has been a constant trend with several major companies in the business of the exploitation account, and I must say that I do not like the trick. I am here to advise you not to take the free computer program, without knowing how to negotiate all the terms of the account.

Often “free” piece of equipment

It’s just a sales tactic, which is used for the long-term contract signed. If a contract has ever been canceled, you have to return to the company’s terminal, and you will be back to buy a new product in the future. Terminal credit cards range from $ 150 to $ 700 (wireless models are at the higher end of this range), and my recommendation for you – buy the terminal, if you have the means.

So, what is the cost of the “free” terminal for credit cards? Well, as we all know, nothing is really free, the cost will be credited to the company charging you a higher interest rate. If this commitment, you can really pay exponentially more than necessary for the team, which would otherwise cost a couple of hundred dollars.

Look at it from the other side

Its business processes are $ 20,000 in credit card amount and a fair rate for credit card processing – 1.79%. But we look at a company that will give you a “free” terminal and the rate of 1.89%. This is an additional $ 20 per month, you will be paid for a “free” credit card terminal. Also, if you deal with them in a few years, you cannot even leave the terminal at the end of the contract.

In addition to the free credit card terminals, I also strongly recommend that you never rent credit card terminals. I have a whole section devoted to which bad lease terminal for the owner of a merchant in my free report on my website, but I do not need to specify here. The rent is not canceled, and I’ve never seen a scenario in which the owner of a business was happy that he or she rented or bought after it became clear how low-cost the credit card units really are.

Therefore, there are companies that have reasonable terminal placement program and terminal rental program, which are much better than the “free” offers that you may have seen there. Be sure to carefully compare the prices, you get a “free” terminals from the program to which you need to buy or rent the terminal. The always higher offers with the “free” terminal program.