Thursday, 9 June 2022

Buying a car ? Check this out

Hello to the people who are here reading my blog post today. We are the lucky ones who witnessed the harsh scenario of the Covid 19 pandemic and we are still alive to tell it's tales to the coming generations. This pandemic has affected us in all possible ways. We have been effected mentally, physically and most importantly Economically. The ability of people to invest or spend has been slashed by a very big margin and thus people need to think twice before making any expenditure. The reason I am talking about this today with you guys is that I recently was planning to buy a car for myself although I wanted a car since 2020 but couldn't get one due to the pandemic. So finally a couple of years later I realized that maybe now was the time to buy a car. 


 This was my first car and I was completely unaware of what were the do's and don't 's of buying a car. I started my planning with the type of car I wanted and the cost of the cars in the market. The most important thing one needs to plan prior buying a car is the financial aspect of how is the car being bought. In my case I was looking forward to get a car loan from a Bank and pay it in installment later. This may sound easy but believe me it's not easy at all. There are several things that must be taken into consideration before applying for a loan like what is the cost of the car, how much you are willing to pay as the down payment, how long installments do you want. What is the rate at which the loan is being offered and most importantly how much money are you going to pay per month for the EMI. These questions are real bonkers and I was so confused whether or not should I buy the car as it seems too complicated. Finally I came across this website CarPaymentCalculator.net and it took all my pain away. This not only helped me calculate my load easily but also helped me to understand the different aspect while getting a car loan.


CarPaymentCalculator.net has so many such useful calculator that helps you calculate different things like mileage of a car, fuel budget and etc. I personally used the car payment calculator I wanted to buy a Mahindra Xuv700 and it was costing me around 15 lakhs on road including everything so I fed my data on the calculator which calculates in USA currency so I just converted my 15 lakhs to dollars which came up to $19270.95 and I was willing to pay 5 lakhs as my down payment so I converted that too into dollars which came to $6423.65 and then I put in the rate of interest which was 6% for me and lastly I fed in the duration for which I wanted the loan to be. It automatically does the rest calculations for you. No hassle, pen and paper needed. For example look at the image below





So for me the the payable amount for a month was $248.37 which is 19329.43 rupees. I never imagined that calculating a loan could be this easy and so much fun. I have helped lot of my friends helping them calculate their loans. It's too easy and fun and you got to try it out yourself. 

Being that said and shown here their is one more thing that I would like to mention here. If you are looking to apply for a loan be it for House, Car or Studies you need to have a good credit score and a good civil. so to save the hassle again visit Credit Karma to calculate your credit score for fee and the next time if you are applying for a Car loan do use the CarPaymentCalculator.net it is a promise you definitely will love it and will find it helpful. 




Thursday, 21 April 2022

Loans calculations made easy.

 

 

We live once and we die once so do we build a house once. Build your dream house is not at all an easy task these days. We need huge planning and support to build a house because a house is not built everyday and thus every aspect should be perfect to perfection before we start building our house.

I have been through this recently and so I know it in and out what are the does and don't 's of building a house. The main ingredient to building a house sucefully is the proper planning of your resources specially your financial resources because each and everything completely depends on it. When I started my planning I felt stuck many a times at many places. Managing my finances properly was the most difficult challenge I was facing. I was getting a loan financed for my house but yet things seemed so far for me until I

 

came across an online website which has calculator which allows you to calculate everything in one button press. Like if you want to estimate your monthly payment against the loan you are willing to take , it calculates everything in just a click.

 

The calculator is easy to use, there are different sections that you need to fill in with your data. In my case I had opted for a home loan so all I did was fill in the total amount I was opting for, deposit that I had made against the amount, mortgage amount, interest that you have taken the loan against and finally the term or period for which you have opted the loan for. The second you click the calculate key it does all the calculations in a snap. Although the currency offered by the website is in UK Pound but it still works for any country pretty well. Convert your amount into

 

Pound according to the current rate and rest is easy and at the end re convert the currency to your own country.

 


So I had a loan sanctioned for 30 Lakhs at an interest rate of 3.20 % for a time period of 10 years. So firstly I converted 30 lakhs to Pound which came across 30121.96 £ I paid a deposite of 10 Lakhs which was around 10040.65 £. So I filled the calculator with the my data as shown above in the image and clicked on

 

calculate and everything was done in a second.

This was a great help for me it made my calculations very easy and I was able to think and plan the loan that I was getting, it gave me a perfect picture of what I was paying against the loan and whether it was in my budget or not. The calculator is free to use at http://MortgageCalculator.uk . It has many other calculator at your fingertips to calculate different aspects that you need.  So find the calculator you need and it will serve you well.

 

Also to save you guys from hassle a small piece of information which I would like to share is that if you are thinking of applying for a loan be it for anything be sure to check your credit score before applying the loan. There are websites like Credit Karma which helps you find your credit score or civil score for free just by entering the Pan Card number.

So next time if you are building a house, renovating one or planning to buy a second house do visit http://MortgageCalculator.uk for your calculations. It really served me well hope it does same for you.

Tuesday, 1 February 2022

Sculptshe shapewears and waist trainer vest.

 Hello friends 

Hope you all are doing awesome in this new year , and enjoying it with your near and dear ones , the first month of tis year passed so quickly this time that i even didn't realized it till now. 

Its February , the month of Love and i know we all are going to celebrate it with the ones we love be it our friend, or family or someone special. its the time of the year when we get an amazing chance to wear our special special dresses and look beautiful and feel good. We have some areas in our bodies which we feel insecure about , but shape wears can help us and remove our insecurities. So to feel confident from inside too we can use various types of best body shaper for ourselves. 
Check out few of them below which i like, and are currently in my wishlist -

The very first one is Sculptsche full body suit , its a full body minimizing support to make you feel confident , easy to put on and off , and made of high elastic at the chest .


The second one is Sculptshe high waisted zipper butt lifting shorts, it gives you extra firm control on your waist , it helps in controlling your tummy , best as it helps to shape hips and thighs .


They have got some cool and useful collections for waist trainer vest also , as a high defined waist is what we all die to have , so these can help us to get that desired body of ours. have a look below which i am eyeing to buy - 

Its Sculptshe latex waist trainer sport vest with three belts , its specially made for working out , the best thing about this is that it can relieve back pain and protect the back of the spine which definitely is something i am looking for . 


I hope my picks and their classifications helps you in your search for shape wears or waist trainers , and you find the perfect one for you . Do give them a try if you want to look and feel confident about your body, they do work, even i am also using them and i love the way it works for my body.

Lastly Stay Safe friends and please please MASK ON always whenever you are out of your home.


Thursday, 16 December 2021

Review : mCaffeine Shampoo & scalp scrub

Hello friends 

How are you all ? Everyone is getting ready for Christmas,  yes only 10 more days to go now. So what are your plans , how are you going to celebrate this year ? Do let me know.  I think in between all the preparations don't forget to pamper yourself and your hairs too. So let's see a way to pamper our hair also this Christmas nicely. 
Few days back I received few products from mCaffeine.com , and I am excited to share my views for them with you all 😊 



So the very first product is mCaffeine Naked & Raw Coffee Shampoo .
This shampoo is enriched with coffee extracts , protein , argan oil and caffeine  and free from harmful sulphates and silicon.

Price : 499 for 250 ml

How to use : Very easy to use , just take a little amount in your palm and apply directly to your wet hair and scalp, massage until the leather forms and then rinse off. 

My experience : Till date i have used it 4 times , and i can see there is a lil bit of changes , it gave smoothness and shine to my hair. And i am happy with it , my hair fall is little less now. everything takes time so i guess i am going to continue to use it. Coffee has many benefits , and it promotes hair growth too.

Rating : 3.5 / 5 

second product is mCaffeine Naked And Raw Coffee Scalp Scrub.
Its enriched with coffee powder , caffeine , natural AHA , rosemary and 

Price : 599 for 250gm

My Experience : This is the first time i have tried a coffee scalp scrub , but let me tell you i liked it and the result was also amazing, as its winters so my dandruff is giving me hard time but this scrub really worked for my dandruff's upto 60 % , and i think if i continue using it then it will surely go to 90%. So you should give it a try guys.

How to use : first wet your hair , then apply it to your scalp like your apply oil and massage it for few minutes . now wash it with water and then shampoo your hair.

Rating : 4/5

look at its texture
loved it


Last one is mcaffeine Natural Loofah
Its made with all natural plant fiber.  Its gentle on skin , removes dead skin and deeply cleanses the skin.
Price : Rs 199

My experience : i loved using it , as i need something with my shower gel or soap to rub my skin , so this worked perfectly for me.
Suitable for all skin types.

Let me know if you have tried these product yet and what was your experience :)

for any queries feel free to mail me here: preranakedia@gmail.com


hugs and kisses
~ Prerana ~

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