Best Launchers for Android

There are tons of launchers for android out there. Often people who are not geeks tend to settle in on the default launcher provided by the manufacturer. Here is any attempt to provide more insight to the more deserving launchers that provide better experience.

1. Go Launcher.
This launcher is mostly resource hungry but gives awesome effects pleasing your retina. The launcher is free to use and you would need to pay for some of the premium content like the paid themes etc.

2. ADW launcher
I like this launcher the best. As it is less resource hungry and is super smooth in operation with much of lagging. Provides basic stuff for free and need to pay for some fancy additional stuff if you are a person who likes more fancy stuff.

3. Holo Launcher.
The lowest RAM footprint and buttery smooth with best balance between the speed, convenience, usability and operations. I rate this launcher in the "better than the best" category.

Some Essential Tools for your debt free goal

You would be requiring all or most of these beloe tools when you are desperately looking to come out of debt.

• First up is a simple emi-calculator by http://www.emi-calculator.com/

This site offers a comprehensive EMI calculator which helps in various scenarios for you to understand how much you would be paying as EMI every month.

• Single place to find many various options for comparing and applying for a personal loan aka (in your journey) Debt consolidation loan. 
• Bankbazaar
• Apnapaisa.com
• Dealforloans
• Loan on Provident Fund. You can avail loan on Provident fund account if you have five years of active PF account without withdrawal despite moving from one organization to another.

Make money your camera

Sounds interesting rite?!

This subject somewhat derives meaning out of the camera profession. Try to see every aspect of eliminating depression when in debt through a camera called "money". Because only the material called Money can relieve you from debt. Hence the word "Make money your camera"

Working from home and earning some extra income online is a good option as it would provide some additional bandwidth for you as well.

Below is one site I am safely recommend minus investment into the site of any sort.

Neobux

You would have seen this name a lot of times by now and a lot of strategies as well. But below is the e-Book that I have written which should give you a short and precise way to get some good income going with Neobux.

Its requires a little perseverance and little patience but its worth it when you realize it!

Please provide your email ID hit the download link below.

Full Name

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Eliminating the BIGGEST source of debt - CREDIT CARD

Take my words for it. You would feel much relieved when you actually break all your credit cards. On an average you would save lakhs together if you spend only when you have cash in hand and not use credit card.

Credit cards are like tobacco. It infects the life with debt cancer. :)

SO Take the action. Break the credit card at this very moment and have a peaceful life.

CIBIL Score - Your Score (daemon)!

So guys I know most of you would always be conscious of the CIBIL score (is your detailed credit history and full evidence of your credit worthiness) every moment you think of taking a loan and every time you are about to default on any payment. Yes the report from Credit Information Bureau (India) Limited (CIBIL) is always a benchmark for availing any sort of financial assistance from any bank in India. This report scores to individuals base on there prior history of re-payments and other financial information regards to existing loans currently under you account/name.

A bad score on CIBIL report would reduce or truncate your chances of obtain any financial assistance (care, home, personal loans...) but also your application for various money instruments such as credit cards would also get denied (Although I strictly oppose availing credit cards as it the source of the debt disease!)

Bad scores prevail even after you have paid-off your debt. I found this site www.creditmantri.com which offered to help improve credit scores and thus have healthy financial record on CIBIL reports thus you can avail benefits such as loans and other things. They provide three levels of assistance based on your comfort zone you can go for any those plans. I would suggest the Standard plan which would provide you a taste of the Premium & Basic plans.

They do provide quality service and providing with good score re-building options and personal counseling so that you do not go into the financial mess again at the cost of good CIBIL score.

You can always request for a CIBIL report at the below link for yourself to know you current CIBIL score. It costs Rs.470 and the report would be delivered to you doorstep in courier.

https://www.cibil.com/online/credit-score-check.do

From CIBIL

If you were not aware of CIBIL scores I hope this article helped you. So next time before you apply for a Home Loan, Car Loan, Personal Loan or a Credit Card, check your Credit Score.

Why is Indian currency - Rupee, going through a free fall?

As you guys have seen most of the Asian currency took a hard hit in the forex market. And after Brazilian currency it was Indian currency took which was worst performing against dollar.

Currency of a country depreciates mainly because of "current account deficit". So what is this deficit. It is nothing but the deficit that results when a country's total import cost exceeds total export costs. When this happens we a current account deficit. Due to which the investors move there investment into a better performing country's currency. Thus reducing the current countries fired reserves leaving the value of currency to freely in the global forex market.

Hopefully Rupee recovers faster!

Best app for financial management and budget

As I was thinking how do I make sure that my expenses are tracked and I do not go through any hassle. Came across this nice little app on android's Google play store which eases the hassle and tussle of managing your expenses by the minute on-the-go.

The app is T2money.You can not only track all your expenses but also track your loans or borrows as well. The app is state-of-the art as it also provides you an option of taking a picture of the invoice as and when you make a purchase so that you never have to remember what did you purchase on any specific date.

The app provides you an option to choose the mode of payment, going all the way till recording which of you credit/debit card was used to make the transaction (given that you have saved few basic details with regards to the card that you are using to make the purchase).

You  can set recurring expenses so that you do not need to plan the entire budget every month from scratch. Additional tools have also been provided like interest calculator for deposits and income tax calculator.

In the management panel you have a pool of settings to have multi-user/multi-accounts in a single device.



The app also has password feature to secure your expense track information.

Below is the official description of the application from the publisher on Google Play.

Description

T2Expense is a professional money manager, a perfect combination of elegant interface and powerful features. Will certainly satisfy your needs of tracking money.
• Take a tour before download: http://www.appsurfer.com/apps/16714-t2expense-money-manager
Main features:
• Accounts with multiple currency
• Convenience Expense Book
• Advanced Search function, search history supported
• Transaction tags supported
• Loans/Borrow management
• Expense Reports in HTML & Excel (with format)
• Multiple Users
• Very flexible Recur Transactions
• Budgets
• Batch update transactions with dynamic amount calculates
• Take Receipt photo, Barcode scanning, Voice input
• Export/Import to Excel (CSV format)
• Backup/Restore Database from SD Card
• Editable, Sortable categories
• Wallpaper supported
• Beautiful Widgets
• Graphical Charts
• Integrated tools: Currency Converter, Sales & Tax Calculator, Tip Calculator, Note.