Explain credit card due date

A credit card is like a friendly loan uncle - always ready to help with expenses. But even Uncle has some rules! The credit card due date is the deadline that uncle sets for returning the borrowed money or rather paying your bill. It is the final day by which you must make the full payment to stay in uncle’s good books.Every credit card issuer follows a 30-day billing cycle to track your spending. Once the cycle ends, your monthly statement is generated, and you typically get 15 to 25 days to make the payment. That window is your grace period. Pay off the full amount within this time to avoid late fees and protect your credit score.Take Mr Sharma, for example. He buys a smartphone on the 1st of the month, and the billing cycle ends on the 15th. His statement includes that expense, and the due date is set for the 7th of the next month. If he doesn’t pay by then, he’ll face late charges and a possible dip in his credit score.Sidenote: Snippet of article written for a Finance-based client

Must-have travel accessories (Travel+Leisure India, Print Issue, March 2025)

Ceinsys Tech surges 387% to ATH

Ceinsys Tech, a smallcap IT software company has surged 400 percent on YTD basis with the stock touching ATH of Rs 1,952.80 from Rs 390 on January 1.By the numbers:
-The smallcap firm has an m-cap of Rs 3,406 crore.
-PAT grew 149 percent while revenue increased 54 percent year-on-year owing to large-scale high-margin projects especially in the infra and water management sector.
-Net profit margin also to 13.8 percent in FY 24 from 1.1 percent in FY 21 indicating effective cost management.
-Stock jumped 262 percent in the last six months.Why it matters?
The geospatial market in India is estimated to grow at CAGR of 13.5 percent by 2025. It highlights the technology-driven solutions in India’s development agenda. Ceinsys Tech specialises in geospatial engineering and tech-enabled services offering comprehensive solutions across industries like water, energy, automotive, and infrastructure.Zoom out:
Government initiatives and rapid adoption of digital technologies will propel the IT sector forward, especially those into niche solutions like geospatial technology. Many government agencies are utilising new technologies for enhanced decision making in urban planning and more areas.There’s more:
-Geospatial market in India is currently valued at Rs 18,000 crore.
-It is supported by favourable government policies and initiatives like Smart Cities Mission, PM Gati Shakti, and Deep Ocean Mission.
-The technologies are applied across industries like agriculture, urban planning, logistics, and defence.
-There are many established companies and emerging startups in this sector like Wipro, TCS, MapMyIndia, Genesys International etc.What to watch:
The geospatial sector is crucial part of India’s digital transformation and economic modernization. Think of it like Google Maps but for everything - roads, buildings, farms, and resources. Everything needs location data now.Sidenote: Snippet of article written for a client

Mac Mini M4 vs iMac M4: Two distinctive approaches to desktop computing

Apart from MacBooks, Apple’s computing product portfolio also includes the Mac Mini M4, iMac M4, Mac Studio, and Mac Pro. These serve a wide range of users depending on their needs. They are often ideal for demanding tasks and found in office environments.The Mac Mini M4 and iMac M4 are excellent options for workstations unless you require the level of power that the Mac Studio and Mac Pro have. Notably, the former two are now equipped with the Cupertino-based tech giant’s latest silicon. However, their design, features, and target audience differ significantly.It’s easier to get confused between the Mac Mini M4 and iMac M4 as both of them are two desktop computing solutions. The key is to understand your requirements and priorities. In this post, we do our best to help you overcome your dilemma between the two.

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5 travel gadgets that will make your next trip smoother

Whether you’re a seasoned traveller or not, packing for a trip is one of the most stressful tasks. From clothing to essentials to electronics, the list is endless. With advancing tech, taking your gadgets along on travels is something you can’t miss out either. In fact, having the right tech with you can turn out to be more than helpful whether you are heading for a weekend getaway, week-long stays, or even if you’re a nomad.The tech you pack for your travels is important. However, everybody faces the dilemma of what to and what not to pack. This article aims to clear your doubts and help you pack all the essential gadgets that you may require to enhance your trip. From accessories to top-up batteries of various devices to small location trackers and more, this list contains everything that deserves a spot on your packing list. The best part – everything is available at Croma!

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Expense Ratio- An important aspect in mutual fund investment

There’s a good old saying “Nothing is free, there’s always a cost involved.”Investment instruments aren’t free of costs either, especially when mutual funds is all the rage among new-age investors. Most reliable websites (including AMC sites) and apps offer investing at no added cost barring the one-time registration fee that lures people in starting their investment journey. Unbeknownst to most investors, there are additional costs involved that are capable of diluting their investment
returns. Expense Ratio as the name suggests is the most common cost that is levied on the investment in form of a percentage.In this article, we will demystify a number of important things like what expense ratio is, how it affects profits and how it can be calculated by the investors, its importance to the AMC etc.
Expense Ratio: What is it?
Have you ever looked at the bill of your food delivery order or maybe an entertainment service? Always wondered what delivery charges on e-commerce orders include and why it is so expensive?Well, for starters, there is a real cost involved for the service you consume that is directly passed on to the end-user. This real cost consists of logistics, packaging, taxes and a tiny bit of your contribution to the company’s profit (pun intended). In short, every business charges a fee for their services offered.

iPhone 15, iPhone 15 Plus Pack Major Changes: Is It Worth Upgrading Your Old iPhone?

Apple’s annual Wonderlust fall event concluded today. The Cupertino-based tech giant took the wraps off its next-generation iPhone 15 series along with other devices at the event. Notably, the latest iPhone 15 models arrive with significant upgrades since the iPhone 11 that debuted way back in 2019. This is not surprising given that Apple updates its iPhone lineup every three to four years, based on historical trends. This time too, the brand has distinguished the iPhone 15 and iPhone 15 Plus from the Pro and Pro Max variants.Last year, Apple was widely criticized, with many people outraged when the company released the iPhone 14 and iPhone 14 Plus, which were essentially the same as the iPhone 13, with a few minor improvements here and there. However, this time, the non-pro variants become more intriguing, which is great news for previous iPhone owners (making it worth upgrading to the new models).

Decoding NFTs for beginners

NFTs, or non-fungible tokens, are a concept that has been around for a while. There are two crucial terms: Non-fungible simply means that they cannot be replaced. Tokens, on the other hand, essentially rely on decentralised blockchain technology. In the world of blockchain, it is the name of a currency.Digital assets known as NFTs have a distinctive identity that cannot be duplicated, divided, or replaced. NFTs are unique and cannot be exchanged like cash or cryptocurrency. NFTs are a brand-new asset class for investments.Non-fungible tokens are quickly gaining popularity in the realm of arts and entertainment. A piece of art is unique and untransferable. Digital artwork, music, trading cards, videos, notable tweets, and other content are all regarded as NFTs. These let artists to use blockchain technology to promote their work digitally and turn it into a safe asset that can be sold. NFTs offer physical domain characteristics like ownership proof, exclusivity, and scarcity using blockchain.Sidenote: Snippet of article written for a client

Term Insurance: Everything you need to know

Insurance plays a pivotal role in the life of every adult irrespective of their age. In simple terms, insurance is something that protects you and your loved ones from life's uncertainties. There are various types of insurance covers like Life Insurance, Health Insurance, Car Insurance, Term Insurance etc.Death is something that doesn't come knocking on a person's door. In case of accidental death, every working professional has to ensure that their dependent is financially protected. This is where Term Insurance comes into place. It is a tool that offers a financial cushion to the family (nominee/beneficiary) after the earning member’s demise. Term insurance provides coverage for a certain period of time or a specified 'term' of years if the insured dies when the policy is active.A Term Plan is the simplest Life Insurance policy out there and much easier to understand. Read on as we dig deeper into the what, why and who’s of Term Insurance in detail.Sidenote: Snippet of article written for a client

Rare And Sealed First-Generation iPhone 4GB Auctioned At A Record-Breaking Price

Apple’s first devices usually the iPhones, iPods, and Macs are often auctioned with people shelling out loads of money for vintage devices. They are often for the ‘richie rich’ and might not be everybody’s cup of tea. Having said that, the first-ever iPhone with 4GB storage unveiled in 2007 by the late Steve Jobs has been sold at a whopping price tag. The original iPhone’s 8GB factory-sealed variant was sold earlier in February this year.The iPhone 4GB that was auctioned is a factory-sealed unit inside the original box. Since it was a rare variant, LCG Auctions described it as the “Holy Grail” among iPhone collectors. The final value was up 318 times compared to its original selling price. It also outperformed the stock market over the last 16 years (pun intended)

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Content Marketing - Travel for MiHuru

At Mihuru, as a Digital Marketer, my work involved devising the content strategy across all platforms (web, email, social media). I was in charge of managing overall content and ensuring that things were in line with the editorial calendar.During my tenure, I was able to generate leads through organic and paid marketing efforts as well as increasing website traffic along with brand reach and awareness.

Follow this solid content development process to achieve your desired content marketing goals.

“Content is the king”If your work is based in the Content and Marketing field, we are sure you must have heard the above quote countless times. Content development forms an important part of content-driven businesses. You know it’s imperative to share relevant content on a regular basis if your organisation/company has a website and a social media presence. Content can be in the form of blog articles, infographics, videos, newsletters etc. The term Content Development interchangeably refers to Content Marketing. The keyword here is ‘development’ which implies the process of creating that leads to the defined goal of the content. To make it simpler, content development involves creating engaging content that is sure to strike a chord with the viewers. For instance, if you publish an article on a blog or post on any social media platform directly, it would not yield the desired outcome that you were hoping for.Sidenote: Snippet of article written for a IIDE

Fitness Tracker Buying Guide:

With the growing awareness on the importance of keeping fit, more and more people are becoming health conscious. But the important question on everyone’s mind is how to keep track of their fitness. Fitness-centric gadgets and apps have seen immense demand over the last few years, especially since many of us lead sedentary lifestyles. A fitness tracker is a useful tool to monitor and measure your health, physical activity, and basic fitness levels. Choosing a fitness tracker with the right features is difficult enough, and the various brands available in the market can make it even more confusing. One can find fitness wearables aimed at basic users, workout newbies, and professional athletes. Regardless, here are some things to consider before purchasing a fitness wearable.

• Written for Pricebaba

Career prospects for Digital Marketers in the coming decade

Advancing in your career plays a vital part in your professional life. It helps you climb up the corporate ladder, hones your skills and knowledge, helps you get a better job, and improves your quality of living. With the modern world constantly changing and rapid advancements in technology, a plethora of new opportunities are created in the job market. Moreover, career development forms an essential part of everyone’s life – whether you are a student, fresher, or a professional.That being said, the wave of digitisation has swept every employment industry and this wave is going to get stronger in the coming decade. Opportunities associated with the digital niche will see tremendous growth in the future years.So if you are a fresher, a professional, or undergrad, you should definitely read further about the best career options in the field of Digital Marketing and what is expected to come up in the coming decade.Sidenote: Snippet of article written for a IIDE

Laptop Buying Guide

Whether you’re a student or a professional, a laptop is a must have. The laptop buying process largely depends on the needs and budget of the consumer. It involves checking certain aspects like the brand, display size and hardware configuration, which makes the process challenging for those not well-versed in the technical details.If you are planning to purchase a new laptop, we’ve got you covered. Here’s what you need to keep in mind before making a decision.

• Written for Pricebaba