Medical emergencies are not avoidable and you should be ready financially no matter what. It can be a nightmare otherwise. You need to act quickly and properly in order to manage the situation. Although many people opt for medical insurance cover to mitigate such needs, there are others who are not even aware of its benefits and the peace it brings to your life in the long run. Some medical emergencies may require a hefty amount of investment to improve health conditions, which is when a medical loan may help.

If you have been wondering about the correct ways to apply for a medical loan then you are at the right space. We will share some ways to apply for a medical loan below:

There are three ways of applying for a medical loan-

1. Online Via Website

You can apply online through the company’s existing website at any point in time.

2. Directly Over A Call

You can apply via phone call by contacting the customer support team directly to understand the process and apply for the loan.

3. Visiting The Centre

You can visit the centre physically to apply and get your documents verified and processed immediately.

After verification of the necessary documents, the loan gets approved to take care of the medical expenses without any hassle.

Eligibility Criteria to Apply For Medical Loan

There are certain criteria that you need to meet before applying for a medical loan.

• Age Limit– In order to apply for a medical loan, the applicant needs to be above 23 years of age. This has been decided keeping in mind the earning capacity of an individual when he reaches this age and that he/she will be able to repay the amount in equal instalments on time.
• Salary– The applicant needs to earn a minimum of INR 20,000 in order to get approval for the loan.
• Permanent Job– A minimum tenure of 12 months is considered to be fit for applying for a loan. In most cases, the applicant is required to continue with the same company for a long tenure.
• Ability to Repay– It is important to have a good CIBIL rating as it impacts the loan disbursement. If the applicant’s CIBIL score is low, then he or she might have to take a joint loan to ensure that EMIs are paid on time.

Documents Required

• Photo ID Proof– A legit copy of ID cards like Aadhaar Card, Voter Id, Passport or Driving License has to be submitted
• Income Proof– The applicant needs to share the bank statement of the past six months
• Salary Slips– Last three months’ salary slips
• Address Proof– A valid passport or electricity bill is considered

It is important to have a medical insurance cover because the world is getting costlier day-by-day and it is really becoming very difficult for an average-earning individual to afford the expenses. Once you know the required criteria, you can easily apply and enjoy the benefits that it promises.

 

 

 

 

Have you ever faced a financial crisis? Everyone, at some point in time, will face money problems. Whether you do not have enough money to pay the bills or you are just starting to get on your feet financially, it happens. If you find yourself in a situation where you must move from your home because of finances and you are without a home and must live with family or friends, you likely do not know what to do with all your items. So, what items should you take, throw out, and store? Let’s look.

What to Take with You When You Leave

If you must leave your home behind, it is going to be a difficult time. You may be wondering what exactly you can and cannot take with you and what you will do in a couple of months.

Before you panic too much, there are some items that you want to keep with you, no matter where you plan to go.

Always keep these items with you:

• Kid’s toys and supplies to care for them
• Important documents (i.e. bank records, birth certificates, SSNs, etc.)
• Kitchen items (i.e. utensils, pots and pans, etc.)
• Computer/laptop/hard drive

What You Can and Should Store

Of course, you do not want to take too many items with you, especially if you are sleeping on the couch at a friend’s house. Below, we will talk about some of the items that you want to store.

• Clothing you will not need or use at the time (i.e. seasonal clothes)
• Duplicate items
• Outdoor furniture
• Indoor furniture
• Lawn equipment

What to Toss Out

You are already facing a hard-enough time as it is and now you must think about things to throw out. When it comes down to it, only toss out what you are comfortable letting go. For instance, if you have items you have never used or items that you never plan to use, don’t hold onto them.

Store what you want and only toss out what you feel you can do so without any issues.

Quick Storage Tips for You

If you do need to move in with a friend or family, setup your storage unit for easy access because you will likely be in and out of the unit often. Below are some details to determine how much storage unit space you need.

https://www.storagearea.com/blog/how-much-storage-space-do-you-need-storagearea-com-answers-all-your-questions.html

One of the ways that you can organize your unit is to mark the boxes with what is inside. This way, you can quickly identify the box you need and grab what you want from it.

Don’t Let a Financial Hardship Bring You Down

Yes, it is easier said than done, but try not to allow your financial hardship to bring you completely down. Do take time to get back on your feet and don’t be ashamed that you had to place some of your items in a storage unit. People store items all the time, so take this extra time to focus on yourself and know that your items are safe as you do work to get into a better financial spot.

 

Having a great business card that attracts customers is not just listing your company name on a small paper. Instead use the hundreds of ways that you can design and format your business card, of course, with your contact included, that really makes your company stand out.

Remember your business card is often the first impression of your firm in your prospects minds. Make your business card work for you to help make connections and network to new business deals.

Follow these guidelines to make your business card perform well for your company.

Only the Most Important Info

You do not need to include every piece of information on your small business card in tiny print. That is an amateur move that reduces the effectiveness of your card as a sales pitch.

Powerful business cards are meant to attract interest and be memorable and that is virtually impossible when you try to print an essay on a small card. Instead be selective and only include the most important information on your card.

Get Printed Professionally

Don’t try to save a few pennies by printing your business cards at home on your office computer printer. It is such a turnoff to new customers and indicates a lack of professionalism on your part and makes a poor first impression.

Today business cards can be printed professionally for under $20 so even the entrepreneur with the tightest budget can afford professionally printed business cards. Save more with this Tim Ferriss 99designs code for your logo design.

Make it Easily Readable

Save those quirky fonts for your personal Christmas cards and leave them off your business card. Be certain that the typeface fonts that you utilize on your business card are not too small or difficult to read. Remember many people may not have their glasses readily available so make the font large enough to read at a glance easily.

Your logo is the design element that should communicate strongly and add interest. The text is merely to communicate data and support your logo’s brand message.

Leave White Space

Many new entrepreneurs try to cover their business card with so much color and information that the vital brand message gets lost. It is better to leave white space for the eye to relax and also to allow your customers to make a notes on your cards.

Design for Your Customer

If your firm has multiple product lines, consider using both sides of your business card one for each business division –  if your businesses are complementary.  However if you have two very different business functions create a separate business card for each company to avoid confusion. Design a more powerful message on each card to speak directly to that type of customer.

Choose Options Carefully

Today there are so many attention grabbing finishes available for business cards it can be tempting to use them all. Some of the most popular are rounded corners, die cut, hole punches, unusual sizes, foil embossing and folds to turn a business card into a small brochure. All these design elements are terrific but be sure that you choose one that is related to your brand and not just cool.

Add a Call to Action

While your business card needs to remain simple and streamlined that doesn’t mean that you cannot add a special offer. Create a short message that offers a discount or a helpful guide on your website which will be useful to your customer.

 

Your design is ready for production. Or, at least you think it is. You and your team have done the required quality assurance testing required by North America authorities. You’ve gone through the FCC, DOE, EISA 2007, and EnergyStar. All tests came out green.

How About International Testing

However, have you done any testing for the international market? Though you are ready to go in North America, you may not be certified for overseas sales. For instance, your product may not be ready for the EU grid connection. Or, it’s not compliant with Northeast Asia’s Energy Label.

If you haven’t thought about these markets yet, then you need to pause and determine how best to test your product for global compliance. This is where you need a company that specializes in global market access product safety testing.

International Approvals Management

Many companies, Curtis-Straus being one of them, conduct a series of tests under International Approvals Management to certify your product is given the global green light. Once you provide your design to their team, they’ll go over the specifications to determine if any changes are needed to pass international tests.

These companies have other benefits as well when it comes to global market access product safety testing. One of these is knowledge. As they work in the environment on a regular basis, these testing organizations are aware of updates to international policies. Therefore, they can alert you immediately if there is a significant change that could delay distribution.

Another benefit is timeliness. These companies are aware you’re on a deadline. So, their liaisons reach out to these international agencies and work with them to complete their testing on schedule. In the case there are delays, the approvals team alerts you to the reasons and what they are doing to keep the project going.

Yet another benefit is cost. Performing these tasks on your own can cost more than your product development. Consolidating those efforts through the approval management group lowers those costs. In the end, you can utilize the saved funds to promote your product.

Our offices is where we spent a lot of our time. Since many of us work from home these days, we are responsible for the quality of our office. Of course, if you work for somebody else, you still have a lot of influence over how excited you are to come to your working place every day. This can make a huge difference between wanting to show up at work and not wanting to do it at all, so keep reading about some useful tips to make your office space a better place.

1. Add some family pictures on your office desk to remind you of your family as much as possible. This way time will fly faster. Bring some items that remind you of your previous holidays and the people you love.

2. Get a comfortable chair, even if your employer has already taken care of this for you. For some reason you might not like the chair that has been provided for you, so try your best anyway. Of you are working from home, choosing your perfect chair is totally your responsibility, so feel free to find the best office chair under 200 now.

3. Add some fresh plants to make your office greener. Not only will it look better, but the oxygen around you will become easier to breathe. Add some plants that are easy to clean so that you don’t spend a lot of time taking care of them. Alternatively, artificial plants are good as well. Maybe you won’t get the benefit of fresh air, but they look great and don’t require as much care as their natural counterparts.

4. Make sure that your office is very bright, especially during winter months. Many people don’t realize it, but they actually might suffer from depression during winter months solely due to lack of proper sun exposure.