Rich by heritage but poor in social ethics


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No doubt India is world famous for its rich culture and heritage but do we deserve the credit for maintaining the standards we have got? Our ancestors literally exhausted themselves to teach us the way of living but what’s crucial is how much we have learned from them.  Being an Indian myself, I feel shameful to live in a society which lacks in civic sense.  Civic sense is not just about, keeping the public property clean but it also about the law-abiding, respecting the fellow men and maintaining etiquettes in public places. Racism, separatism, road rage, and intolerance are examples of lack of civic sense. And in India, it is very common to hear about communal friction. Other countries perform functions in a smooth manner because their natives follow social ethics.

Lack of social ethics results in many problems. There are spit marks, random garbage spread on the road in every part of India. It is easy to blame the government for not performing their duty but everyone has to see what tendency they have got. Why don’t everyone realize that it is done by us, not the government? People don’t know how to use public services, you can see spit on road, buses and waste material on train platforms and seats.

The recent example shows us that how people are lacked in ethics. The new train Tejas Express which considered as Airplane moving on the road, got its many headphones stolen after its maiden journey. It is also said that many LED’s were also damaged.

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Tejas Express was first planned to route from Delhi to Chandigarh, but then changed to, Mumbai-Goa as Railway Minister Suresh Prabhu insisted on doing it. The Express which is capable of running on 200km/h speed, because of constraints in rail tracks, it is running at the speed of 160km/hr. This high-speed train has unique features like automatic doors, infotainment screens for each seat, vacuum bio-toilets and secured gangway. It made its first maiden journey with much fanfare on 22nd May which was from CST, Mumbai to Karmali, Goa. On Tuesday, when Express returns it came with 12 high-quality headphones missing provided for infotainment screens. 990 infotainment screens were also found damaged and scratched, said the officials.

Sources also said that previous headphones were of 200 Rs. and after the first trip, officials now have decided to provide 30Rs. headphones. If the same thing continues, railway ministry board will rethink to continue the train on the same route.

It proves that Indians don’t deserve development. Before comparing our country with US and UK, it is necessary to put some efforts towards the development of wellbeing beneath our own souls. If we (you) do not have, that much ethics to use the public facilities then why to use it. It’s vital to learn ethics before being the member of the society. Those people who do this, also don’t have right to blame the government. Railway minister Suresh Prabhu who took efforts for Konkan region got their efforts wasted by low mentality people.

Public services are provided for our comfort and it’s our duty to use them in properly. Everyone has right to make use of those facilities, so don’t destroy them. We ought to learn to be a good citizen and live without disturbing others whether it is home, office or any other place.


Efficient ways to increase your CIBIL Score

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CIBIL score is based on your credit history, which plays a major role in credit card and loan approval process. Credit Information Bureau India limited (CIBIL) organizes all your credit history and presents it to the banks as credit information report. It is generally a number ranges between 300 and 900, larger the number, stronger the credit profile. CIBIL score displays your willingness and ability to repay the debt on time that is why it plays a critical role in the loan process. It may vary in different financial institutes as every bank has its own benchmarks for the CIBIL score. Do not enquire about loans at various institutes, it also negatively impacts the CIBIL score.

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In order to find out your Credit Score, you can go online and refer any among many useful sites like CIBIL, CreditSmart, BankBazaar, etc. They will help you figure out your exact score and tell you whether you are eligible for any loan or not. If your CIBIL score is high then you can easily bargain with the fees involved in loan sanctioning process. Most importantly it helps in availing the loan easier and faster. Every loan applicant wants to get low-interest rates but you can get best interest rates if your CIBIL score is high. It will also guarantee you, the loan insurance products at low premiums. The good CIBIL score helps in many other aspects like easy approval for leased or rented houses and quick approval for mortgages.

If your CIBIL score is bad then it does not mean that your financial career is going to doom but it will slow you down. So you should check your CIBIL score once in a year and if it is bad due to financial decisions then you must try ways to improve your score. Below are some ways to increase the CIBIL score.

  • Clear all credit card dues– plan your spending, such a way that you can clear out all your credit balances before the due date. The unpaid amount will reduce your score month-by-month so keep track of your spending. Lenders generally find the good financial history of their customers when it comes to the loan process.
  • Errors in reports– sometimes errors also occur in a credit report, so one must check if their errors are appealed on CBIL website or not. This errors can occur because of typographical errors at the time of entry. It is mandatory for lenders to rectify and address the pending reports in a timeframe of a month.
  • Fresh start– Mostly try to take loans after covering all your older loans or credits. It is always helpful when you start with a cleared record. Do not apply for a loan instantly at another place, after getting rejected from one place.
  • Hold the old credit cards– Old credit cards with a good repayments history and well-managed spending is a blessing. Other thinks to close the oldest cards but the old cards with good repayment history help in increasing the CIBIL score. So longer you hold the positive card history, better will be the CIBIL score.
  • Secured card– When someone has a bad CIBIL score then there remains the option of getting the secured card from the bank against the fixed deposit. Some leading banks like SBI, Kotak Mahindra offers secured cards against fixed deposit of nominal amounts. When you repay your balances on time it soars the CIBIL score.
  • Never exceed 30% rule– While utilizing credit cards, remember the 30% rule, and do not use your credit cards more than that. It positively reflects in CIBIL score when monthly savings balance is low. Whenever your banks offer you to enhance your credit limit never refuse it as it displays bank’s trust on you. Getting enhancement in credit helps in increasing the credit score.
  • Joint account criteria– If you have a joint account with someone who has taken a loan and if that person defaulted on payments then it will also affect your score. Ensure that loans and cards have been paid on time.

Here are some ways to get a loan in spite of having low or bad CIBIL score.

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  • If your CBIL score is poor then try getting a loan at co-operative banks.
  • Take the loan on other person’s name whose credit rate is good. In this case, you can ask it to your close relatives whose CBIL score is good.
  • Get the loan against collateral such as gold or property.

And if these are not the options for you then try other options like peer-to-peer lending or private financiers. Peer to peer lending is online marketplaces where individuals offer a loan. They are not limited to CIBIL score, you can take a loan from here if you want urgent money. Private financiers give a loan to those who are rejected from the bank but their interest rates are high.

But apart from all above, the prime fact to always consider is to maintain your financial remedies. Never overdue payments for a long time. If anytime you were unable to pay the dues for a certain month make sure to clear those in the following month so that it won’t be a headache for you as well as your credit score remains maintained in perfect grades.

8 best countries to visit this Summer

For many, winter might be the season to visit some of the coolest places around the world but believe me Summer is also the best time to travel. In fact March, April, and May have the most pleasant weather when seabirds fly along with the cool currents flowing from the south and give you a reason to stop. Moreover, summer is mostly a vacation period in many countries and children’s wait for this season to arrive and plan a trip accordingly.

So if you are planning a vacation this summer and searching for an exciting place to hangout, the following list of 8 countries will definitely help you to choose one.

1) Fiji– Fiji is the perfect summer holiday destination for relaxation as it has turquoise waters, white sand beaches, and luxe resorts. You will never find crystal clear beaches like Fiji anywhere else.


Why: Fiji offers you a pleased feeling of concealment. You will feel like you are far away from others and Fijian customs are an addition in it. You can snorkel with manta rays in the Yasawas, see the breathtaking beauty of Mamanucas, scuba dive near Taveuni and relax in the Coral coast. If you are a domestic type of people then you can visit history museum or visit the garden of a sleeping giant to feel the orchids.

2) San Francisco– It is a cultural and commercial center of Northern California whose golden gate is all time ready to welcome their visitors.


Why: San Francisco mostly attracts people who have an eye for seeing innovativeness in art, cheesy about cuisines and adventure loving people. You will find many ways to stay busy, here you will find amazing sights, world-class delicious cuisine, restful cafeterias and flourishing nightlife spots.

3) Greece– Whitewashed villas, crystal clear water and stunning beaches of islands makes Greece, perfect destination for a summer holiday.


Why: Popular islands are Santorini Island, Mykonos Island, Paros Island and Naxos Island. You should go to this places if you love to enjoy on beaches or to see beautiful architectures. Relaxing atmosphere also add value to these islands. Mykonos’ late night parties are famous for summer travelers. Summer season is best for swimming in Santorini, but you will need advance booking for accommodation as it is a peak season to travel in Santorini. Crete-islands, largest of Greece have resorts and houses available on affordable rents.

4) France- Summer is the best time to visit France when markets are overflowed with fresh products and lots of beaches to work on your tawny skin.


Why: Whether you are in west part or north part, weather of France remains fantastic in every part. Whenever we think about France, first name comes is Paris, the city of love. This city brings millions of visitors towards it with many splendid places like Eiffel tower, stately museums, and Versailles Palace. You can visit shores of Nice to take a sunbath or enjoy vibrant nightlife along the Riviera. Corsica and Ile de re are popular beaches in France, go there to take chilling sun massage.

5) Spain- Roman Kingdom of Spain located on Iberian Peninsula in Europe with music in its soul and wild landscapes.



Why: Barcelona with its Catalonian air, Alhambra with world heritage sites, Capital Madrid’s nightlife, snacks in San Sebastian, Semana Santa of Seville and beaches of Menorca are main reasons to visit Spain. Plus Spain has worlds must visit cities like Madrid, capital with rich culture and Trendy Barcelona.

6) USA- is a country of 50 states with Hawaii extending its presence in the Pacific Ocean. America has a great variety of places to visit and enjoy.


Why: America has reach culture and it shines backs in its stunning sights and astonishing landscapes. New York, Miami, Los Angeles and Chicago are most visited destinations with famous architectures and beautiful sights. Millennium Park, Buckingham fountain, Walt Disney world, Yellowstone national park, Grand Canyon and gulf coast road trip are the main point of interests to visit America.

7) UAE- this nation is located in Persian sea with its advanced architectures. The main focus for travel life in UAE is its long and warming beaches.



Why: Ski Dubai is world’s third largest indoor ski developed using 6000 tons of snow. Dubai, Sharjah and Abu Dhabi are major attractions for tourist in UAE. Desert safaris for fun experience, Dubai for the best shopping, palm resort are the reason why you should add UAE on your bucket list.

8) Nepal- It is a Himalayan country located in South Asia bordering China in north and India in east, west, and south.


Why: Nepal has other things than Hot Weather to visit in summer. Kathmandu, the capital of Nepal have great influence of its history and culture. To see spectacular views, Nagarkot will be a great option. Pokhara with remarkable natural beauty and serene lakes, Ilam’s tea gardens, and Nuwakhot durbar seven storey palace are main reasons to visit Nepal.