The Importance of NEC in a Loan Process and Steps to Apply for the Certificate

A non-encumbrance certificate (NEC) certifies that the property that is being offered to bank as security, is free of any debts. In layman’s words, the NEC certifies that the property in question entirely belongs to the person and not associated with any financial institution or bank. Encumbrance is a cost or charge created on a property, if it is bought with finances borrowed or is offered as a collateral or security for another loan.

Thus, an NEC informs that the property is not mortgaged and is without any burden of debt or security, or other obligation. For instance, if you had taken HDFC loan against property on your house, then you cannot apply for new loan on the mortgaged property, until the property loan is successfully closed. The authority will pass an NEC if the property loan is closed and the property is free of any debts. Otherwise, relevant charges will be filed on the property.

Issuing of an NEC

All the government authorities and financial institutions ask for a non-encumbrance certificate for up to 12 to 30 years. If this certificate is not availed, then banks/NBFCs will not provide you the loan. NEC is issued from the start of a new financial year, i.e. April 1 to March 31, no matter when you apply for the certificate. It is issued in either Form 16 or Form 15.

It is issued in the Form 16, if the property does not have an encumbrance is the specific period. If there are charges on the property, then Form 15 is provided. Form 15 specifies the charges and their nature, registration details, and the registered property documents.

Who Issues an NEC?

It is the Tahsildar (the tax officer and revenue inspectors) who issues the non-encumbrance certificate. These officials secure taxes from a land. These taxes are known as ‘tehsil’ and are relevant to land revenue. Tahsildar is also called the Executive Magistrate of the land with which he or she is associated.

You can get a computerized encumbrance certificate in Andhra Pradesh, Orissa, Telangana, Kerala, Tamil Nadu, Gujarat, Pondicherry, and Karnataka. In other states, you can get only hand-written certificates.

Steps to Apply for a Non-Encumbrance Certificate

Below given is the process to apply for an NEC:

  1. Fix Rs. 2 non-judicial stamp on the Form 22 and send the application, with complete address, to the tahsildar. Give the reason as to why you require the certificate in writing, and attach it with proof of residence such as driving licence/ration card/Aadhar Card, etc.
  2. Provide details of property ownership, such as the property location, survey number, measurements of the property, etc.
  3. Hand over the application with a fee paid annually to the jurisdictional sub-registrar’s office. This office must be the under which the property comes.
  4. The checking process of the report takes about 15 days to 30 days. The tahsildar will review the property report and details of the owner. He/she will issue the NEC, if the report is found favourable.
  5. The non-encumbrance certificate is
… Read More

Essay structure and its intricacies

Best essay writing service as a student, you might have listened to other people telling stories more so the young children. Most of their stories do not always have a proper structure but majors on the message and emotions drawn from all of it. It is therefore important to consider implementing a good essay structure when writing academic papers. Using a proper essay structure is an advantage to the readers as they will be able to read, process the information and analyze it appropriately without any difficulties. A good essay structure, therefore, can make an essay interesting to the readers. In this article, we’ll talk about the following: what the essay structure is and to what extent essay structure is important for a student paper. Also, we will look at the ways to plan and organize your text and consider the main elements of an essay’s structure.

What is an essay structure?

An essay structure is an academic writing essential that refers to the order at which you present your ideas in writing.  It is also commonly referred to as how an essay or a narrative is built. The essay structure is moreover determined by knowing the purpose of the essay. Essay structures always have importance such as:

  • Makes it easier for the readers to follow the logic of the paper
  • Formulation of thoughts clearly
  • Making the paper’s appearance more vivid and more accessible to picture
  • The readers will also be able to memorize information better

How to plan an essay structure

There are several ways to prepare your essay. The first one is to do mapping, and the second is to create an outline. Mapping is a more liberal method of the two. Here, you sketch your essay by writing down key sentences in a logical order. To help you plan your structure more efficiently, try to follow the “What? How? Why?” formula. According to it, state the topic, explain it, and then address its importance to the reader. To be more precise — provide background information in the “What?” section, present the evidence in the “How?” fragment or fragments, and place your topic in the broader context in the “Why?” paragraph

Organization of an essay: Structure and Order

Order now any essay must consist of an introduction, body, and conclusion. In that particular order. While you can experiment with the rest, there are some essential guidelines to bear in mind.

Start your introduction with a hook. Provide some stats, describe a life situation, or insert a quote in the beginning — make sure that your choice of a technique is consistent with the purpose of your essay. Next, state your thesis in a sentence or two. Treat it as the most important sentence in the whole paper, to which you will return multiple times. Follow your thesis statement with a sneak peak of your essay, so that the reader gets an idea of what to expect from the text.

While the introduction grabs the reader’s attention and presents … Read More

Is investing in Facebook a wise idea at this point?

For years now, one of the companies every stock broker and investor has had shares or has a significant interest in investment is Facebook. But this past quarter things have been completely different. As of the reports from last quarter, the company lost nearly 123 billion dollars, which is more than valuations of entire startups!

This staggering fall can be attributed to the recent issues faced by company in the light of its privacy policies and the committee hearing that the CEO Mark Zuckerburg had to sit through. All of this has further led to the company straying away from its ideals. The management and board have been trying to assure the stock holder that a turnaround is coming soon.

What things are looking like as of now?

The company is shifting its focus to video based content and current estimates put the quarterly EPS at 1.96 dollars per share. This would also put the revenues around 12.5 billion dollars. The results are correlated to the year after year growth rate of 39% and 42%, respectively. The key for an investor here is the company’s post earnings momentum, which is dependent on its performance. The only cause of concern here is what investors have learned about key reporting items, and how it might slow down the spending on security, but its performance reports should offset these concerns.

Facebook recently reported that its monthly active users (MAU) cross 2.134 billion in the last quarter. This number shows no signs of slowing down as more developing countries gain internet access. There is a growth of about 14.7% per annum and 3.0% sequentially. For such a well-known and established company, these numbers are simply remarkable.

Rumblings of an earnings surprise

The best case scenario is that the company startles everyone with a better than anticipated results. The recent analyst estimates all indicate a good likelihood of this happening, but a clearer picture will be available once we are near earnings date. The more recent the prediction, the likelier the analyst will have newer information regarding the earnings report which are about to come out.

All the indications and signs point toward a likelihood of an earnings surprise as the current figures put it higher than the consensus numbers.

What does history suggest and should you plan for it?

The company has been on a streak of earnings surprise as per its history. In the past 9 quarters, the company has matched its estimates or out done it. Although a positive earnings surprise does not always mean that there will be an immediate surge in stock prices. Investors will be banking on the stocks flowing as per anything the company has said in the past about guidance or spoken plans to spend on security.

It would be a wise idea to wait around and then jump aboard Facebook. The question was should you be buying Facebook stocks ahead of earnings or not, the answer is not yet, investing is a game of patience … Read More

Sicherheitsausrüstung, die Sie benötigen, um Ihren Arbeitsplatz sicherer zu machen

Für diejenigen, die in der Industrie und im produzierenden Gewerbe arbeiten, wissen Sie, dass Verletzungen und Arbeitssicherheit ein wesentlicher Bestandteil Ihres Tages sind. Sie müssen ständig sicherstellen, dass Ihre Mitarbeiter die bestmöglichen Maßnahmen ergreifen, um sie und ihre Umgebung zu schützen. In vielen Fällen können Sie zwar so viele Protokolle aufschreiben, wie Sie möchten, aber ein Großteil der Sicherheit des Arbeitsplatzes kann von den verwendeten Geräten bestimmt werden. Wenn Sie die Sicherheit Ihrer Mitarbeiter verbessern möchten, beachten Sie diese Tipps und Geräte, um eine sicherere Umgebung zu gewährleisten.

Image result for Sicherheitsausrüstung, die Sie benötigen, um Ihren Arbeitsplatz sicherer zu machen

1. Richtige Kleidung

Es kann nicht überraschen, dass, wenn Ihre Arbeiter nicht richtig gekleidet sind, sie anfälliger für Verletzungen sind. Jemandes Arbeitsbekleidung ist ein wesentlicher Bestandteil der Verbesserung der Sicherheit Ihres Unternehmens. Die Kleidung muss nicht nur robust und haltbar sein, sondern auch die Temperatur, die diese Kleidung erzeugen kann. Ein Mitarbeiter kann leicht überhitzt werden und in Kleidung ohnmächtig werden, die wenig Atmungsaktivität oder Belüftung bietet. Das Herausfallen auf dem Boden kann zu Verletzungen sowie zu Verletzungen führen. Aus diesem Grund ist es wichtig zu messen, wie ein Kleidungsstück mit seinem Isolationsfaktor verglichen wird. Sie müssen möglicherweise die Leistung Ihrer Klimaanlage erhöhen, um dies zu kompensieren.

2. Richtige Werkzeuge

In bestimmten Fällen kann es einfacher oder billiger sein, Werkzeuge auszuwählen, die die Arbeit erledigen, auch wenn sie nicht die richtigen Werkzeuge sind. Dies ist eine Praxis, die nicht ermutigt werden sollte. Durch die Verwendung eines falschen Werkzeugsatzes kann es leicht zu Verletzungen kommen. Es kann sogar sein, dass das Gerät, mit dem sie arbeiten, beschädigt wird. Stattdessen sollten Sie von Anfang an in das richtige Werkzeug investieren. Schulung ist auch erforderlich. Manche Mitarbeiter entscheiden sich möglicherweise nicht für das richtige Werkzeug, weil sie nicht wissen, wie sie es verwenden sollen. Ein schnelles, aber gründliches Training reicht aus, um sich mit dem richtigen Werkzeug sicher zu fühlen.

3. Verwenden Sie das Buddy System

Arbeiter sollten niemals alleine arbeiten. Zum einen kann es sie wesentlich weniger glücklich machen. In der Lage zu sein, mit anderen Werken sozial zu sein, kann die Zufriedenheit der Mitarbeiter verbessern. Es hilft ihnen auch, sicherer zu sein. Anstelle eines einzigen Satzes von Augen können zwei Paare Probleme und Gefahren in dem Bereich, in dem sie arbeiten, leicht erkennen. Noch wichtiger ist, dass im Notfall ein Kumpel zur Stelle ist, um sofort Hilfe zu leisten. Dies kann verhindern, dass der Notfall noch schlimmer wird. In der Industrie sind auch schwere Lasten häufiger. Ein Arbeiter sollte niemals selbst schwere Lasten tragen müssen. Stattdessen sollte ein Gerät verwendet werden. Wenn die Ausrüstung nicht verfügbar ist, kann ihr Kamerad sie bei der Ladung unterstützen. Buddysysteme sind für die Verbesserung der Sicherheit unerlässlich.… Read More

Trade Show Internet Solutions For All Events

Planning an event is not an easy task. This is especially so if attendee productivity is required. In such cases, internet connectivity network must be flawless. Only a few companies are able to guarantee such high-level internet connectivity. Through TradeShowInternet’s temporary 4g internet, event organizers can get temporary high-speed internet connectivity. The company has offered their services in big corporate events for big companies previously. They have gained experience over the years and that is why Trade Show Internet is among the top internet service providers. Some of their clients include MTV, Disney, and Toyota.

Trade Show Internet offers rental products, event bandwidth and event IT services. Event organizers will benefit a lot form their services. For any event wifi solutions, Trade Show Internet will ensure that they deliver the expected level of service. It is good to note that the company takes responsibility for the success of your event right from the start. They offer service guarantee and IT support. They are actively involved in on-site network design and deployment among all other services listed below. During the event, all attendees will be provided with high speed wired and wireless network. This ensures that there is no risk of network failure. If you want your event to be a success, ensure that you get internet connectivity solutions form Trade Show Internet.… Read More

Build An Effective Plaques Home Business With These Excellent Tips

Like anything else, a home business start up can be simple if you know the right information. This article will give you some practical tips about starting your home plaques business profitable.

  1. Keep the business phone line to keep it separate from the one you use for personal line. A business that has a separate phone line will always appear more professional, not to mention you are taking a risk of a child or someone else in the home answering the phone in a less than professional manner.
  2. You should maintain full-time employment when starting a home business. It is certainly to your job while waiting for your new business.
  3. It helps to build a good idea to set up your own home business network to easily communicate with other peers. Even if the people you meet work in a completely different industry, other people that are home business owners too will have a lot in common with you.
  4. Do not break into your emergency account if you do not have to, and when you do have to take money out of it, replace the money.
  5. Keep an accurate and complete financial records of your business. If you ever find yourself audited, you want to ensure that you have sufficient information to prove your expenses and income. Having great records can also aids in tracking the progress of your business on a monthly basis.
  6. You should always look toward the future and set goals for success. While it’s fine to celebrate your past successes, you have to put them in the past after the celebration. You should be focusing on what the future will happen tomorrow or even next week. This will ensure that you are prepared for any future opportunities or possible obstacles and opportunities.
  7. Make your work environment is a safe one. You should definitely have a fire extinguisher and a smoke detector in your office. You should also have a solid computer set-up that properly suits you.
  8. Make certain that your home business fits in with your family schedule. If it starts to be a problem for your family, it may be time to consider alternative business ideas.
  9. Make sure that you create some sort of what your business does. This should be a brief and concise description of the operations of your business does.
  10. You have to network and market your home business constantly. You should bring up your home business to promote it.
  11. You should have a set work schedule. If you don’t set office hours, you might end up working around the clock. Give yourself some free time by setting a schedule like you would working at a company. You will now still have a social life.
  12. Beginning your home business is not need to be an insurmountable challenge. There are many types of home businesses that can be a successful venture without the expense of renting a store or store.

It’s a dream of many people to run their own home based business. … Read More

Sample Article Of This Website

If you already have a new business or want to make a business, there are two basic types of business, namely business to business (B2B) and business to customer (B2C). Both B2B and B2C have very different types of effective content strategy, business models, ranging from the customer segment, marketing strategy, capital, to how your business plans in the future.

Now we will try to explain first what is the difference between B2B and B2C, then we will discuss how different marketing strategies are. In addition, we will also discuss how B2B and B2C marketing tips are then how to sell the business to the company. But before that, in order, the Writer team will invite you to know what B2B and B2C really are.

What is business to business or B2B?

Business to business or B2B are transactions that are carried out electronically or physically and occur between business entities one to another. When you see what is thick, B2B is the sale of the product or service provided by the business and is intended for other businesses, not the customer.

For example, you have a culinary company engaged in catering. Then because the business you have is a large enough catering business, so you have a target market for the company. So your catering service is for companies that have quite a lot of employees, this is called B2B because your business or service is for other companies. If your catering business is for individuals or groups, that means your business is business to customer, not B2B.

What about business to customer or B2C?

The opposite of B2B, business to customer or B2C is a business that performs services or sales of goods or services to individual customers or groups directly. In other words, the business that you do is directly related to consumers, not companies or other businesses.

For example, suppose you have a basic food business. When you sell goods to individual consumers, that means your business is B2C aka business to customer. But if you sell large quantities of groceries to other businesses, that means your business is B2B, not B2C anymore.

Broadly speaking, almost all B2C products can become B2B products, but B2B products are very little used by individual consumers directly. For example, your catering business cannot be sold individually, but you can sell basic food businesses with fellow businessmen.

Now about the differences between B2C and B2B marketing strategies

After knowing the fundamental differences between B2C and B2B, we will now discuss how different marketing strategies are. Marketing strategies have significant factors to business continuity because when you make a marketing strategy wrong, your business can lose a lot.

If you look at risk, a business or product from B2B has a greater risk than B2C. Because the product you produce must be in sufficiently large quantities, the maintenance and manufacturing costs that you have to spend are also slightly larger.
We will take the example of a catering business (B2B), the … Read More

Tips on Healthy Eating

Are you a health-conscious person or one in which anything goes? If you are living on your own, anything goes, probably however, if you have a family then you probably want what is best for them. If you are serious about the health of your family then you seriously need to stay out of the fast food lane. I know what you’re thinking, you live a busy life of work and soccer practice and don’t have time to cook healthy meals. Perhaps however, this is not a good excuse. Are you really making excuses as to why you can’t make healthy food for your family? Truth is, many of us suffer from being too busy to take time to make a great dinner. Problem is, those trips to the fast food lane every night can lead to an array of health problems including diabetes and obesity. I’m sure you mean to eat healthy but when you are short on time and have to feed the family, guess what, it’s pizza again kids. If you need a little help in the healthy dinner time food preparation department than we may be able to help. According to an article on Fitness the ten healthiest foods are: Avocados, Broccoli, Beans, Dark Chocolate, Garlic, Lemons, Potatoes, Salmon, Spinach, and Walnuts. If you can make a meal a day that contains any of these ingredients than you will be on your way to improving your health as well as the health of your family. From cancer fighters to immune system enhancers, all of these foods contain the necessities of a long and healthy life.

When it comes time to get yourself a great wardrobe, there is no better place to shop than Aeropostale. At Aeropostale, you will find all things trendy and cool. Aeropostale has great fashions for girls and guys and with their partnership with Groupon Coupons you can save lots of money on your purchases.

Visit Aeropostale today and get ready to look great. Be sure to see Groupon Coupons first for money saving coupons and coupon codes. Enjoy Black Friday sales now with 60 to 70 percent off everything when you use this code. Act now and get up to 70 percent off everything plus an extra 15 percent off. Free shipping now when you use this code. Act now and save big with this promo code and get $20 off! Get 20 percent off you next order with this promo code. Enjoy an extra 30 percent off clearance when you use this code. Get 40 percent off now with this code. Use this promo code and score 70 percent off during the fall sale. Act now and get up to 80 percent off and free shipping with this code. Enjoy 60 percent off new fall arrivals with this code. Get 70 percent off everything with this code. From saving on longboard shorts to saving on the hottest clothes for girls and guys you will save lots of money when you visit … Read More

Why No One Talks About Lenders Anymore

Benefits From USDA & Military Loans

If you are interested to get an economical and attainable mortgage, then, the USDA Rural Development Loan is the right option for you.

The USDA Rural Development Loan and the FHA Loan Program are quite similar with each other, thus they are called as siblings, however, the USDA Rural Development Program has plenty of restrictions. But despite that, it provides certain benefits that you cannot find with FHA loans. Having a zero down payment mortgage outside of the VA program is the greatest advantage in obtaining the USDA mortgages which is exclusive to military veterans.

Another advantage of having a USDA Rural Development Loan is that, you don’t need to pay for the down payment, however, it still offers you a 100{46e2cf5ad8ebc1577325503517f3c244c6f4b38c7e2a64c04a8aeb2ce3cb08b5} financing. However, interest rates provides an upfront financing fee, but still, interest rates are still even with the traditional mortgages.
3 Loans Tips from Someone With Experience

However, you still have to pay an annual fee of about 0.3 percent of the loan balance, but at least, you don’t have to think or worry about the mortgage insurance. Still it is lot less than the traditional mortgage. The income and types of property are also included in the restrictions of the USDA Rural Development Loan since the USDA Rural Development Loan is much stricter compared to the FHA mortgages when it comes to this matter. However, it is clear in the name of the USDA Rural Development Loan that it is only available to home buying in rural areas.
A Simple Plan For Investigating Lenders

In terms of features, these loan packages are only offered to individuals that have low and moderate incomes. The USDA Rural Development Loan offers an tool online about knowing the income eligibility and property which is related to your state, thus, you can learn more things through the help of internet and online tool. With regard to property eligibility, you will find a map that will depict what portions comes under the category of rural. You will not find income limits list up front but yes by submitting your own detail, you will get an idea of whether you qualify or not.

There are no restrictions regarding the loan amount, although program guidelines need that homes purchased should not be lavish and are modest in terms of size and cost. Swimming pool is also not allowed in the purchased home. To qualify for a USDA mortgage, you need to prove that you lack adequate housing at present.

Your income must be at least less than 80{46e2cf5ad8ebc1577325503517f3c244c6f4b38c7e2a64c04a8aeb2ce3cb08b5} of the local median in order to gain the best offers from the USDA Rural Development Loan program.… Read More

Winning Interview Strategies

Have you just landed an interview for what could be your dream job? Congratulations for taking the next step in advancing your career! No doubt you are full of anticipation, excitement and quite possibly a case of nervous jitters. Remind yourself that you would not have been scheduled for the interview if your qualifications and experience level did not meet the requirements for the position. The interview process is a two-way street. Not only is the hiring manager attempting to determine if your temperament, career goals and motivation are a match for the company culture and requirements of the position, but the interview is also an opportunity for you to determine if the company’s culture, position as outlined and growth opportunities are a good fit for you.

One of the most important things to wear to a job interview is a quiet self-confidence and genuine smile. You will only have one chance to make a first impression. Take this opportunity to invest in a well-tailored jacket and a pair of classic trousers or skirt in a dark navy or black. Bypass loud colors and excess bling and leave them for the weekend parties. Take advantage of the awesome deals offered by Groupon coupons and spend time with a professional cosmetologist at your nearest Ulta store to learn about new make-up products and applications to give you a fresh, polished and professional look.

Finally, take the time to conduct thorough research on the hiring company. Bring up the company’s website where you’ll learn about the products or services, company culture and quite possibly industry positioning. Check out any online reviews available from clients, employees or former employees. From this research, you’re bound to garner several questions. Pose these questions to the hiring manager as the opportunity presents itself in the interview. The hiring manager will get a sense of your interest in the position based on these questions and how thorough the research is that you’ve conducted. Hand-write a note to the hiring manager following the interview thanking them for their time and reiterating your interest in the position. Best of luck to you!… Read More