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What is a Letter of Credit – Definition, Types, and Uses

A Letter of Credit, or LC, is a financial instrument. Banks and similar institutions, such as creditworthy financial service companies, insurance companies etc., issue it as a guarantee payment for goods and services when a seller provides all acceptable documents. There are three participants in a Letter of Credit – the beneficiary, the applicant, and the issuing bank. The beneficiary is the person/company who would receive payment. The applicant is the buyer of goods and services who...

Interview - First Impression

Job seekers are always bombarded by advice on what they should do to find a job, but you rarely hear about what not to do when job hunting. Here are the mistakes you should avoid. If you're considering attending a job fair, don't bother. Job fairs are, for the most part, a waste of time. Frequently, thousands of employers will attend these fairs, but they will not accept resumes at the time. Also don't bother earning a professional certification that is not in demand. Before you seek out some...

How to Plan a Loan to Buy Equipment For Your Business

One of the first things that a business should do when it comes to expanding the business is to buy new tools and equipments. All the other things can wait- your cabin could do without an AC for another year and you could spend less on that extra packing material. However, the better the equipments in your company, the greater is the quality of the products. Better equipments might cost a more initially but in the long run they will drastically help bring down the production costs of the...

Your Medical Records - Are They Really Private?

The question in the title seems to beg a yes answer. However, truth is, there are two answers with the real one a shocker. At least it was to me.   The “begged” answer is of course yes. It would be yes if you never let anyone have information about your health and medical condition(s). But, in the real world, this is impossible.   The real answer, unfortunately, is NO. And to add insult to injury, it is real in more ways than one as you are about to learn.   As...

5 Things to Not Miss Out On When In Rajasthan

Rajasthan ranks among the top locations to visit in any traveller’s list, any day. Such is the charm of the state that it draws visitors from different parts of the country as well as abroad to take a tour of its lands. If you are someone planning on visiting Rajasthan any time soon, here is a list of activities that you must take part in to have an enriching experience. Try on the colourful Rajasthani turbans Among the factors that make Rajasthan as unique as it is, its lively and...

Being Certified as a Scrum Master can be a Wonderful Opportunity

If you want to make a huge impact on your business, you need to have the right skills. You may be dedicated, work hard, but if you aren’t armed with effective methods nothing is going to improve. Even if your business is doing well, there may be plenty of room for improvement. As a certified ScrumMaster, you can contribute the right methods to see positive changes. Avoid Common Distractions Just because you do something the same way for long periods of time doesn’t mean it is the...

7 Wedding Trends That Dominated 2018

If you are planning a wedding, you might be checking the top trend that dominated 2018. While the timeless touches will never go out of trend, some trends are definitely worth your consideration. So, take a look at all fresh, sophisticated and fabulous wedding ideas and be inspired. Greenery It is a trend which has been in vogue for the last 3-4 years and never goes out of fashion. Spaces filled with lush greenery look sophisticated as well as expensive. The bonus- it can be molded easily...

What is the difference between ELSS and mutual funds?

Most of the millennials understand the importance of saving. And the only way to save is to invest rightly.  Apart from our regular RD’s and FD’s there are other ways to invest where you can expect high returns. Yes! ELSS (Equity Linked Saving Scheme) Mutual funds are now considered as one of the top investment options by industry maestros. But, many people are still not clear with the difference between these two. One might feel that ELSS and mutual funds are different...

The Secrets of An Outstandingly Successful Saleswoman

Sales is an important part of every successful company. No matter how great the products and services of a company are, there is a role that a sales person must play to ensure its success and advancement. That role is very closely related to their selling skills. The effectiveness with which these people play their role is based on their understanding of certain secrets and dedicated practice of the same. Every sales strategy is nothing in itself without these secrets. These are the things...

Connection Between Teen Depression & Suicide

Here's a strong connection between teenage depression and suicidal tendencies. As per statistics given by top psychiatrists, Teens are far more susceptible to major depression issues and bipolar illness. A number of suicide attempts and the resulted deaths happen among teens are due to long-term depression. Consider these statistics regarding teen suicide and teen depression by various mental health doctors: about 7% of all teens attempts suicide and about 5% of those suicide attempts results...


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