Connect with us

Tips

8 Secrets To Buying A Mobile Phone On EMI

Published

on

So you want to buy mobiles on EMI without credit card? To begin with, you should look at the price band and whether you need to spend that much or go for a lower price band phone. This is an area which needs a little thought. 

The features that you need may be available in a slightly cheaper phone. However, if it’s the model which is the key then, of course, these things do not matter. But if you are a little sensible, then you could save some money and still have a phone that works for you. 

To buy a phone on EMI means taking a loan and paying for it on a monthly equated installment basis. Basically, you pay X amount every month. Be aware that once you take the credit, this is the amount you will have to pay, no matter what. This is a fixed liability. Consider this fact before buying that new smartphone.

Select Your Smartphone:

  1. The first thing is to select the model. Which brand and which model. Some brands offer discounts, look for those if they suit your needs. Check to see which company is offering the best discount. Check online e-commerce sites to see if there are discounts and whether these are better. Sometimes these sites offer good discounts.

Carefully Consider The Terms:

The second trick is to see what terms are being offered. What is the tenure of the loan you wish to avail? Typically it ranges from 6 months to 24 months. See if you can get an interest free deal. That way you can save money. But check to see if the price is correct. Compare with discounts being offered by the brands.

Figure Out The Method Of Payment:

There are several ways of buying a phone on EMI. One is using a credit card. However, be aware that should you fail to pay the credit card debt every month, for the EMI which has been debited from your card amount, you will pay usurious rates of interest. 

This will add to the dues on your card and should you fail several of these monthly payments to your card account, you will find yourself paying out large sums of money.

Alternatives To Credit Cards:

If you do not have a credit card, you are a student or do not have any salary income, but you have income from other sources, then the best way is to buy through NBFC companies. These do not need a credit card, and their processing is also quicker.

Purchasing The Selected Mobile Phone Using Selected Method:

Once you have selected the NBFC, go to a designated store, which the NBFC works with and choose your phone. Be careful not to choose something which is beyond your means. It is better to be conservative unless you have enough funds to rely on to repay the installments. 

The executives at the store will help with the documentation, and the process typically does not take long provided the documents are in order.

Documentation Required:

NBFCs generally need an Aadhar card, PAN card, and a canceled cheque. While the ID documents are okay, beware of handing out post-dated cheques one for each installment. If a cheque bounces and you are unable to make good, the amount of prosecution is a severe danger.

How To Pay:

While finalizing the loan and the EMI payable, etc., try and make as big a down payment as possible. The larger the down payment, the smaller the loan and easier the repayment. Next is the tenure of the loan. The shorter the tenure, the lower the interest, unless of course, it is an interest-free EMI. 

But sometimes models that you particularly want to buy are not covered by an interest-free EMI. However, the tenure would depend on how much you can afford, comfortably, every month. Sometimes a longer tenure is advisable so that the monthly payments can be easily met.

Things To Be Careful About:

Finally, read and understand the loan documents which you sign. You need to read the fine print to understand exactly what you are getting into. Also, check to see that the store supplies you with a new phone. The sealed box should be opened in front of you. While this may seem silly, all precautions are always a good idea.

Better safe than sorry. Prepare a plan to keep sufficient money in the account from where the payments will go from. It is always wiser to save a little extra in that account to prevent a bank charge or some other charge to deplete the account and for the EMI installment to fail. 

There are some problems with mobiles on EMI without credit cards but keeping in mind these secrets, you can overcome them.

A failed installment means penalties and people calling up at all odd hours asking for payment -and that’s problematic. However, if you have followed these tips before buying, you should go through the installments smoothly. Meanwhile, you can enjoy your new phone.

Continue Reading
Click to comment

Leave a Reply

Your email address will not be published. Required fields are marked *

Tips

How To Delete Musical.ly Account Permanently

Published

on

How To Delete Musical.ly Account

Musical.ly is the most trending free Social media music App. We all know its easy to create an account on musical.ly. But Deleting musical.ly account is not easy. So today we are going to share How To Delete Musical.ly Account Permanently. Before we proceed to the guide, let’s know some interesting facts about musical.ly.

What Is Musical.ly?

As we mentioned above it’s a free social media music app with 100 million registered users. musical.ly is a free social media platform or Music App for creating, sharing and discovering short music videos. Every day, millions of people use musical.lyMusical.ly Inc. was founded by longtime friends Alex Zhu and Luyu Yang. Before launching musical.ly, Zhu and Yang teamed up to build an education social network app, through which users could both teach and learn different subjects through short-form videos (source : Wikipedia)

Here a user can create videos and choose soundtrack to accompany them. Musical.ly have great features, for example, you can use different speed option fast, slow, normal etc. creating account on musically is very simple but when you trying to delete musical.ly account, it is not easy as you think. Many peoples are looking for deactivating option in app but let me tell you guys there is no option in the app to deactivate your account. So is that mean there is no way to Delete musically account Permanently? of course there is, Follow below guide on How To Delete Musically Account Permanently.

You May Like: Download Mi Account Unlock Tool | Remove Mi Password

Hide Your Musical.ly Account

Yes, you can Delete musical.ly account Permanently but you can also hide your personal information in app without deleting your account. Consider below steps to hide your information in musical.ly app.

  • open Musical.ly app on your device.
  • Choose Settings from upper right side corner.

How To Delete Musical.ly Account

  • Click on Privacy & Settings.

  • Now click on private account.

  • You have successfully done.

When your account is private, only people you approve can see your musical.ly profile. your existing followers won’t be affected. make your account private so no one can see your activities. If you don’t want to make your account private and looking for deleting your musical.ly account then follow below steps, where we shared How To Delete Musically Account Permanently.

Also check: Best Rainmeter Skins Themes 2018 For Windows 10,8.1,7

How To Delete Musical.ly Account Permanently

How To Delete Musically Account

  • firstly you have to go musical.ly Support page.
  • Now Choose general feedback On How we can Help ?
  • Select your platform between iOS And Android.
  • Choose Other for What feature do you have feedback on?
  • Enter your registered musical.ly Email Address.
  • Mention your genuine reason for deleting the account in the section of What information should we know?
  • Click on Submit button. that’s it.

How to Delete Musical.ly Account

How To Delete Musically Account

Final Words

I hope, now all of you know How To Delete Musical.ly Account Permanently. With the help of this method, you can delete musical.ly account.

Continue Reading

Tips

9 Best Hamachi Alternatives For Virtual LAN Gaming

Published

on

hamachi alternatives

Hamachi Alternatives For Virtual LAN Gaming: Today, we are going to talk about something interesting, something that relates to your childhood memories. Now guess what can be the most memorable thing from childhood? It is exactly what children do most of the time, means, playing games. As we grew up we were introduced to this game called counter strike, which got us all addicted. Remember how we played this game by teaming up with our friends on LAN? If you are a fan of LAN gaming, then you might be surely aware of the Hamachi virtual LAN gaming software. For those who don’t know Hamachi, let us tell you that it is a virtual network where everyone who has this software can go to that network and do file sharing or play games. It is a freeware program that creates a virtual network adapter. Using a user interface you can create groups and invite other users of Hamachi into your group (or join other groups if invited). You have a list you can constantly look up who is connected to you. All persons to whom you have a connection will also display in the windows network folder.

Hamachi is one of the best virtual LAN gaming software out there but as everything has its own limitations, Hamachi also has few. In this article, we will talk about the limitations of Hamachi and discuss the Hamachi Alternatives to overcome those limitations or drawbacks. The reason for limitations in Hamachi is that there are two versions of Hamachi, free and paid. Now you might have already got an idea that free version will definitely have some limitations. The most important point of the free version is that any specific VPN can connect only five clients at most, including the host. So without talking much lets directly cut to the list of Best Hamachi alternatives for virtual LAN gaming.

The Best Hamachi Alternatives (Better Than Hamachi)

NetOverNet

Hamachi Alternatives

NetOverNet is a simple VPM emulator with fewer settings and preferences. It is an easy yet powerful tool which lets you connect multiple devices during the internet. It is also one of the best Hamachi Alternatives. One can connect to multiple devices at the same time with the help of the internet, it also allows remote access to computers that are connected to VPN. Moreover, each device has its own login and password for a connection is accessible in the user’s virtual network by an IP address defined in the private area, making it more secure.

Visit NetoverNet
 

Evolve

best Hamachi Alternative

Evolve has grabbed the attention of many pro gamers in the world and has fast gained popularity after Hamachi. Similar to Hamachi, it also has network adapters and extra tunneling drivers that enables easy and seamless communication. It has some exciting features such as party mode, matchmaking mode, and integrated live streaming to the widely used platforms such as facebook, youtube and twitch. It also enables users to text and voice chat, unlike Hamachi which makes it one of the best alternative.

Visit Evolve

FreeLAN

better than Hamachi

FreeLAN is another one of the best and simple application to create a virtual private network. It is open source like Wippien and can be customized to create different network topologies. It doesn’t provide Graphical User Interface for ease of configuration so you will have to manually configure it using the config file in order for it to run however, you will get support from FreeVPN community if required. You will experience smooth gaming without any lags unlike the free version of Hamachi. Hence, this is one of the good alternatives as well.

Visit FreeLan

Wippien

Hamachi Alternative

This is one of the lightest and smallest Hamachi alternatives which is just 2 MB in size but still good. It is for people who do not like unnecessary bloatware on their computer. It is a free and open source VPN creator which connects to other computers using P2P connection. However, its only limitation is that you can only register on this platform using Gmail and Jabber accounts. It does not support other email services for registration. But anyway, it is one of the best alternatives for Hamachi.

Visit Wippien
You May Like : 6 Best Kodi Alternatives in 2018

Game ranger

This was first launched for Mac OS and one of the first Hamachi alternative that was rolled out. It became popular soon as the security and stability provided by Game Ranger were unparalleled when compared to rivals though it had less number of features. Hence, it was later introduced on Windows platform also. Unlike other Virtual LAN gaming clients, Game Ranger does not utilize various drivers to emulate LAN gaming but achieves the same internally via its client. However, it works with the only supported list of games unlike Hamachi supports all games.

Visit Gameranger
 

SoftEther VPN

similar like Hamachi

SoftEther VPN is again an open source and cross-platform VPN client and server software. it is also programs like hamachi. It can be used on Windows, Mac, Linux, Solaris, and FreeBSD operating systems.

Visit Softether

 ZeroTier One (alternatives to hamachi)

ZeroTier one is also an open source software that will enable you to create and join virtual VPN servers very quickly.

NeoRouter

NeoRouter allows you to create and see private and public servers through the internet. It supports Windows, Mac OS X/iOS, Linux, FreeBSD, Android, and switches firmware. One important security feature is that it uses 256-bit SSL encryption which makes it secure compared to other virtual LANs.

Also Read : How to Change PLDT Wifi Password 

Comodo Unite

Comodo unite provides an encrypted connection for a group of computers to share files. It is also possible to create teams and chat over instant messaging. On the top, it provides 128-bit SSL connection for secure data transfer, making it one of the best Hamachi alternatives.

We hope that this list was helpful to you and worth your reading time. We tried to cover the best Hamachi alternatives that we knew, but many others besides this are also available. Feel free to explore.

Continue Reading

Tips

6 Best Kodi Alternatives in 2018 (Better than Kodi)

Published

on

Kodi Alternatives

Kodi-despite being amongst the more popular digital media players, Kodi has had its fair share of criticism. Its open source nature, customizability, and support for plugins had earned Kodi a lot of fans. However, some users abused the freedom given by the developers and developed plugins to stream illegal content-like viewing pay per views, pirated movies, and other premium shows. The Kodi developers have not taken any action in derailing such activities, which has led to an isolation of sorts for the Kodi team. In this article, we will be looking at the best kodi alternatives and also understand the reason behind the immense popularity of Kodi.

 

Kodi is an open source software supported on a wide range of operating systems like iOS, Linux, Mac OS X, Android, and Windows. Watching live TV, the latest Hollywood movies and TV shows are a few ways in which Kodi can be of service to you. It basically allows users to watch most videos, music, podcasts, and other media files from your local and network storage media and also the internet. Another plus of Kodi is that it supports a wide variety of Audio and Video formats. There are lots of Add-ons available to enhance your Kodi experience. You can also do a bit of customizing on the interface, to suit your taste. Thus Kodi has proven itself to be an incredibly versatile software. Still, if you are looking for what is better than kodi then you should check out below list of best kodi alternatives in 2018.

Also Check: Best Kodi 18 builds that Works in 2019.

Kodi Alternatives You Should Check Out

Replacing a software as creative and versatile as Kodi is difficult, however, there are other applications which can serve a similar purpose. So let’s check out the list of the Kodi alternatives.

1. Plex (kodi alternative)

Kodi Alternatives

Plex is the most popular kodi alternatives. Both Plex and Kodi share similar roots, both being based on the XMBC. Plex enjoys robust community support similar to Kodi. Plex has a great user interface and is extremely user-friendly. While Plex may not suffocate you with its amount of features, it offers some killer features like remote streaming and mobile sync, which lets you watch the content remotely on any device and sync the media for offline viewing. It also provides the option to share your library with others. Plex supports wide range of hardware and it offers a single database. Plex is available on popular gadgets like Apple TV, ChromeCast, Amazon Fire TV. So unless you are into customizing and playing with features, Plex should serve you well.

2. MediaPortal (Free)

best Kodi Alternatives

If the description is a Windows-based media-center with features similar to Kodi or better than kodi then MediaPortal is a perfect match. You have the option of recording live tv and playing files available in your storage devices or disks. Media portal allows you to install plugins and has customization features akin to Kodi. By installing the proper add-ons you can stream media from the required services. The great user-interface is another reason why MediaPortal is so good at what it does.

3. Stremio (better alternative to kodi)

Just as the name hints, Stremio is an app where you stream content from your favorite services like Amazon, Netflix, Vudu, Youtube, Twitch etc. Simply click play on the show you would like to watch and you are done. Stremio offers a torrent-streaming feature as well as live tv streaming. Stremio is easy to use and you can also build your custom library. You can sync the library on multiple devices which is another cool option Stremio provides. It is the most popular Kodi Alternatives. Stremio users unfortunately can’t install the custom skins or builds which services like Kodi provide. Also the selection of add-ons is minimal.

You May Like : Hamachi Alternatives For Virtual LAN Gaming

4. OSMC (Open Source)

better than kodi

OSMC is a free and open source Linux based Kodi OS available on platforms like Raspberry Pi, Vero and Apple TV. All the Kodi add-ons are supported on OSMC. OSMC can play almost any media-format and the design is sleek and it’s fairly easy to use. It supports Wi-Fi adapters and is compatible with a number of TV-tuners. However, the limited number of media-players supported by it is a drawback.

5. Terrarium Tv (better than kodi)

Terrarium Tv is an Android streaming app which lets you download and watch the latest TV shows and movies for free at full HD. The interface is elegant and you can view the most popular shows on the menu. You also have the option to filter the shows and subtitles in your preferred language can be added. The parallel load mode can be used to load up source list even quicker by using parallel connections. You can also change the video-quality to reduce data consumption. So you can add terrarium tv in the list of kodi alternatives. The content is streamed from Google Drive or Google Tv giving an extra layer of privacy.

You May Like: Best Sports Streaming Sites To Watch Sports Online

6. Showbox (apps like kodi)

Although not entirely in the mold of Kodi, Showbox is arguably the best streaming app available in Android. Showbox is also one of the best kodi alternatives. It allows you to watch the latest movies and TV shows for free and is quite similar to Netflix in terms of features. The library is huge and keeps getting updated regularly. You can download the media and watch them in offline mode as well. The interface is easy and attractive. You also have the option to change the video resolutions. While it remains a native Android app, it can be used on Windows using the Bluestacks emulator.

Final Thoughts

While Kodi has served us well for a long time, the controversy surrounding it and the arrival of other media-centers means it’s time to look beyond. Each of the apps provided in the article has their own merits and demerits. However, in your quest to find the Kodi alternatives, these should suffice.

 

Continue Reading

Trending

Copyright © 2020. techboxup.com