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Festival celebration eagerly awaited and insurance necessity

diwali-preparations

Diwali which is one of the most eagerly awaited festivals of Hindus is celebrated with lots of pomp and show. It is because of its celebration and rituals attached to it that makes it stand out from other festivals. It is also known as “Deepavali”. The word Deepavali is made from two words Deep + valli which literally means rows of Diyas. According to Hindu calendar Deepavali is celebrated in the Kartik month.

People decorate their shops and house with lights and other decoration materials. It is believed that no corner of the house or working place is left in the dark. People lit diyas or candles at each and every corner of the house. People love to say their prayers with their family and eat sweets. According to Hindu mythology, Diwali is celebrated on the day when Lord Ram returned to Ayodhya after 14 years of exile.

During his exile period, Ravana stole Sita Ma and kept her in hi Lanka. On Diwali day it is believed that Lord am killed Ravana and returned to Ayodhya. To celebrate their victory of good over bad and hope over despair, Diwali is celebrated. Ayodhya Wasi to show their happiness on the arrival of their favorite Ram they decorate and lighted streets and houses with Diyas. It is believed that the Asli ghee ki Diye was burnt at that time. It’s their way of showing their love and affection towards Ram, Lakhman and Sita.

As there is lots of lightening on Diwali night, Diwali is also called a festival; of light. Where children are excited about fire crackers, elders look forward to buying some gadgets or home appliances. Elder people bless their family members by giving those gifts or sweets. Everybody wears new clothes and perform special Diwali Puja at night.

Houses are decorated with flowers, Lanterns, electrical bulbs,etc. all the Diwali decoration is done with the sole aim of inviting Goddess Lakshmi to the house. It is believed that prosperityflows into the house if all the family members get to gather and say their special prayers on Diwali night and at the time told by the Pandits. This time is fixed and notified beforehand so that people perform Puja within this time.

After the Puja people lit Diyas and candles at the front of their house. People go to temples and lit 5 Diyas at different places. It is also believed that while returning home, a Diya should be kept at the crossing of the house as well. After prayers it’s time for crackers. Children love to play with crackers and their celebration with cracker starts 15 days prior to Diwali. These days children are told in the school to celebrate cracker-free Diwali as it tends to create lots of noise air pollution. Needless to say Diwali that is celebrated with sweets, new clothing’s, Decoration and gifts is unique in itself. It helps in fixing glue to the family bond. When family unite together to celebrate, eat and pray it brings prosperity in the house.

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mis sold ppi Loan Help

PPI is an add on to a loan to help the customers with the repayment of their loans in case they are unable to repay it due to some illness, accident, loss of job or death. It is a good supporting product to the loan if the customer has been informed in advance and is allowed to make a decision based on facts not on omission or coercion.
Most of the customers who took out a loan or credit card ten years ago were offered or sold a PPI policy at the time you took out a loan, mortgage, credit insurance, unemployment cover, mortgage payment protection plan, credit card or other credit. It might have been under the name of loan protection, personal loan protection or loan repayment insurance. The policy is thought to be mis-sold when the customer was not made fully aware of any major limitations or exclusions, did not understand the true cost or was made to think that the policy was mandatory when it was not so or were effectively pressured into taking the policy. Most of the time customers were not even informed that they had this insurance attached to their loans. Many policies turned out to be completely worthless when the need arose and not provided the expected cover. Furthermore many people have been sold a policy without being made aware of the cost or terms made clear fully or partially, thus they end up spending a lot of money on insurance they will never need or will never be able to claim on. Any loan contract containing words like “loan protection”, “payment protection” or “loan care” or anything similar, will more than likely be a mis-sold policy. Most of the banks and lenders that mis sold PPI are seeing better profits now than ever before while the customers paid off their debts with their tax payments and now they are able to borrow money at the lowest rates ever, just 0.5%. Then they charge their customers an average loan rate of 8%, credit card rates around 18% and mortgage rates circa 6%, making them staggering profits and leaving theirpoor customers with mounting debts.
The Financial Services Authority (FSA) found that almost 80% PPI policies were mis-sold. Thanks to the high court ruling which has made the banks and other lenders to look into all the policies they have sold and refund the customers with interest. TheFSA also found that despite the repeated warnings many lenders are still not treating their customers fairly.
It is true that you can apply for a PPI claim without the assistance of a solicitor or a PPI Claim Firm, it is easier to take help of a PPI assistance team or request a PPI specialist. We’ve already got money back for all of a lot of victims of mis-sold PPI and if you’ve got a case, we’ll do the same; strictly on a NO WIN NO FEE basis. There might be a time limit applicable to your case so do not delay. Contact us today.

if you are unable to meet the payments through redundancy or being unable to work due to illness or accident. It is available with mortgages, mis sold ppi plans to manage timely payments in low financial situations

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What No One Knows About Services

Looking for a High Risk Credit Card Processor?

Have you been having problems getting approved by credit card processors? You aren’t be the first one to have been disapproved for being high risk. Some credit card elelepflege payment processors do not deal with or do not have the capability to transact with high-risk business as yours. There are some high-risk providers of merchant accounts though that understand the stakes in doing business with high-risk merchants like you, and in fact, have only one goal in mind. And this is to aid such business types in securing merchant accounts.

In business, the only constant thing is change; it is always unpredictable in some ways. The term high risk credit card processing itself seems to drive off perfectly sound processors a long ways off. Few merchants though see some benefit in becoming involved in dealings with high-risk businesses.

Those willing to take the chance provide high risk credit card processing, which is almost always for clients which have an unpredictable business environment. Online businesses need to secure a merchant account with what is called an acquiring bank before they are able to accept credit card payments for their products or services. Those whose businesses are considered low-risk do not meet with too many difficulties applying for one. But for high-risk businesses, it is the opposite.

Here are some drawbacks in having your business viewed as high-risk:

1. Expensive fees – High risk merchants are usually charged more expensive fees even to open an account with a provider. This is because processors assume chargebacks for these merchants. Sadly, when a business cannot cope with the fees, it is possible for them to fail entirely.

2. Requirement for account reserves is expensive – A payment processor may ask for a high account reserve to be available since it is already thinking in advance of all the possible chargebacks that may be filed against the merchant. This account reserve does not earn interest at all. Cash flow constraints may also be experienced by the merchant since the reserved funds cannot be accessed until after a certain number of days have passed.

3. Higher chargebacks – For every chargeback filed against it, a high-risk business is charged a much greater rate for its chargebacks than are others. Plus the banks also charge an administrative cost besides the chargebacks, as a fee for processing the chargebacks.

There are also advantages to doing business with a high risk merchant. The following are some advantages in being labeled so.

1. Global reach – A high-risk business can do more in terms of business dealings than low risk ones; it can even serve clients in counties outside of the U.S., Canada, or Europe. E-commerce can deem a merchant capable of dealing with just about anybody from any location and at any time. This capability can only add to its attraction to high-risk credit card processors.

2. Limitless earning capability – because it is not limited in the same way as other business types, high-risk businesses can have an earning potential that is boundless. A business classified as high risk can earn considerable income fromelelepflege.derecurrent payments it processes and receives regularly. Without a cap on its revenue, high risk merchants can earn limitless income and create business growth in a short amount of time.

Ironically, the chargebacks allow the business to be viewed as growing and pulsing trade, and thus is not close to being closed down at all. It means that the chargebacks are no longer being viewed as something that is detrimental to the business.

It is no wonder that many payment processors have seen the light and are now doing brisk business with high-risk merchants. Credit card payment processors are now receiving applications for merchant accounts and processing these quickly, no matter the type of high-risk business involved.

You should not feel low after having been shoved aside by other processors. Do not delay; call today.

Source: http://thedigitalfreak.com/required-successful-digital-business-leader/