Category: Popular

Google Adsense Quick Approval

How to get Adsense Approval Quickly

Below Are some Points to keep in mind before applying for Google Adsense Approval Quickly:

Buy a custom Top Level domain name. (.com or .in etc. )
Add Navigation menus like Contact Us, About Us, etc.
Have at least 10-15 well-written blog posts.
Don't ever use copyrighted images in your blog.
Ensure Your Sidebar looks clean and Professional
Create Social Pages in Social Media like Facebook,Twitter,LinkedIn etc. to promote your website.

My Google Adsense Approved after 15 Posts in this Website.

As we all know Google Adsense is one of the most trustworthy and best advertising network in the world. Most of us wants to get Adsense approval on our website but getting Adsense Approval is not a simple task. Sometimes it takes much longer time than expected to get Adsense Approval for our website and sometimes we never get Adsense Approval for our website.

Google Adsense is very strict before adding any website to its Adsense Program. You may get rejected once but you can reapply any number of times after fixing the errors Google Adsense provides.

Google Adsense will give you the reason if they do not accept your application and you can check and correct the issues.

Simple Tips Before Applying For Google Adsense

Custom Domain

Try to get the Top level Domain names like .com, .in, .uk etc. It's very very hard to get approval for free domains like www._.blogspot.com or www._.wordpress.com .

Domain Age

Apply for the Google Adsense after 3-6 months of your Domain name registeration as this much time Gopgle crawler normally takes to index your website properly on the Google Search.

Web Hosting

Most of the Bloggers who are starting new generally use free hosting for their website or they choose very cheap hosting. Remember your hosting provider plays an important role in your website ranking on Google so try to choose good Website Host such as GoDaddy, Hostinger, Hostgator etc.

Content Writing

Try to write articles which are original. This is the most important step. Google will crawl your website and if your content got matched to any other website's content you would not get Adsense Approval.

Good Navigation Menu

A Good navigation Menu helps Google crawler to crawler your website's Different sections easily. Remember if you complicate things or provide incomplete or messy info to the crawler it will give your website negative markings.

This will surely affect your website Adsense Approval Application as well as your Google search ranking. Make Privacy Policy Page, Contact Us page, About Us Page which helps Google crawler to better understand your website.

Number of Post

It does not matter how many posts you have in your website but it is advisable to create 10-15 original Post before applying for Google Adsense.

Blog Design

Keep us blog Design very simple and effective. Remember the easy to navigate your blog is the chances to get Adsense Approval increases.

Remove Other Ad Networks

 Remember to remove all other Ad Networks ads from your Website before applying for Google Adsense. If Google found any other Ad Networks it simply rejects your application. You can add other networks after getting Google Adsense Approval.

Minimum Blog traffic

Minimum Hits does not matter. You can get approval even if you are getting 40-50 hits per day. But remember the hits should be genuine. Do not try to fool Google by getting Paid hits. Google is a master and can easily catch your trick.

Generate Genuine Traffic Quickly

If Rejected, Re-apply

It's Hard to get approval if you are applying for the First time. So if you get rejected do not loose hope. Correct your mistakes and issues which Adsense mentions as the reason for rejection and Re-apply again.

GOOD LUCK.

SSC CHSL

SSC CHSL Registeration 2019 – 2020

SSC CHSL Exam EventsSSC CHSL Exam Dates 2019-2020
NotificationDecember 3, 2019
Application formsDecember 3, 2019-January 10, 2020 (till 11:59 PM)
Last date for online fee paymentJanuary 12, 2020 (till 11:59 PM)
Last date for generation of offline challanJanuary 14, 2020 (till 11:59 PM)
Last date for application fee payment through challanJanuary 16, 2020
Tier- I ExamMarch 16-27, 2020
Tier-II ExamJune 28, 2020

Documents/Information Required for Applications

Below are the details required to be submitted while filling the registeration form. So it is advised to keep all the mentioned details before filling the registeration form for SSC CHSL 2019-2020 .

Mobile number
Class X certificate
Scanned signature
ID proof (Aadhaar card/voter ID card/PAN card/Passport/driving license/school ID/college ID/ employer ID)  
Scanned colour passport size recent photograph
Email ID
Disability certificate number (if applicable)

Start these 5 jobs sitting at home without spending money, you can earn up to 1000 rupees per hour

How to Apply Online for SSC CHSL 2019-2020?

To Apply for the SSC CHSL 2019-2020 follow the below mentioned steps:

If you already have an Account you can skip the first 2 steps and directly jump to the step 3 by logging into your registered account.

Step 1: Fill SSC Registration Form

Fill SSC CHSL 2019-2020registration form here - https://ssc.nic.in/Registration/Home

Firstly, candidates need to fill SSC CHSL registration form available on the official website of the commission. For the same, candidates can follow the below-mentioned steps:

1. Visit the official website of SSC – sss.nic.in
2. Click on the "New User? Register Now" link
3. Fill SSC CHSL registration form
Following details are needed while filling application form
Candidate’s name
Father’s name
Mother’s name
Date of birth
Gender
Category
Email ID
Permanent address
Class X education board
Class X year of passing
Class X roll number
Level of educational qualification
ID number
Mobile number

After filling all the details click the Save button to move to the next step.

Step 2: Upload Scanned Photo & Signature

The next step is to upload the recent scanned colored photograph and signature in the JPEG format in the specification mentioned in the below table.

SSC CHSL DocumentFile DimensionsFile Size
Photo3.5 cm (width) x 4.5 cm (height)20-50 KB
Signature4.0 cm (width) x 3.0 cm (height)10-20 KB

Step 3: Pay SSC CHSL 2019-2020 Application Fee

Candidates can check the current available examinations in their registered account and can click the Apply now button for SSC CHSL. After clicking the Apply now button you will get an application form which will be pre filled with some of the details given by you during the Account registeration. Fill the required details and click the Submit button.

Step 4: Pay SSC CHSL 2019-2020 Application Fee

You can pay the SSC CHSL 2019-2020 by two modes:

offline mode SBI challan
online mode BHIM UPI/internet banking or by using credit/debit card of Visa/Mastercard/Maestro/RuPay

Remember Women and reserved category are exempted from fee payment.

Category SSC CHSL 2019-2020 Application Fee
General/Other Backward Class (OBC)Rs 100
Women (of all categories)/Scheduled Caste (SC)/Scheduled Tribe (ST)/Persons with Disability (PwD)/Ex-Servicemen (ESM)Nil

After successfully paying the application fees the SSC CHSL application process is complete. Take the printout of application form for future reference.

SSC CHSL 2019-2020 Application Form Correction

SSC CHSL does not allow you to change your details after filling the application form. So before clicking the final submit it is advicable to all the Candidate to cross check their details.

How to Re-Generate Registration Password for ?

You can regenerate the SSC CHSL password by following the below mentioned steps:

Visit the official website of SSC
Click on the Forgot Password link
Select the permanent state
Enter registered email ID/ mobile number
Click on Submit

On clicking the button, candidates will be able to generate the new login password.   

SSC CHSL Application Form 2019-2020: Important Points to Remember

Important points to keep in mind about the SSC CHSL 2019-2020 Online application are :

1Candidates are adviced to fill the application much before the last date as during last date their website crashing chances are more.
2 Avoid any mistakes while filling the application form as you cannot change it after filling the application process.
3If you forget to pya the application fess before last day your application will get rejected.
4Details such as name, father’s name, mother’s name, date of birth and Class X information should filled exactly as recorded in the class X certificate

5 Candidates should take the printout of the completed online form for future reference.

Common Questions regarding SSC-CHSL 2019-2020

Q: When will SSC CHSL 2019-2020 application form be released?

A: The forms are already released on December 3,2019 and last day for registeration is 10 January 2020.

Q: What is the application fee for SSC CHSL exam?

A: Application fees for SSC CHSL 2019-2020 exam is 100 rs. Women and reserved category peoples are exempted from fee payment.

Q: How can I check the status of my CHSL application form?

A: After submitting the form you can check the status of your SSC-CHSL 2019-2020 in your registered account.

Q: Can I edit the application form of SSC CHSL later?

A: No you cannot make any change after submitting the application form. So try to fill the form without any errors. 

Q: I want to withdraw my application for SSC CHSL exam. Is the application fee refundable?

A: No , fees once paid is non refundable.

Q: What is the minimum qualification required to apply for SSC CHSL 2019-2020 exam?

A: 12th pass from a recognised board.

Q: Is there any age limit to apply for SSC CHSL ?

A: Yes, minimum age is 18 years and maximum age is 27 years.

Q: Can I pay the application fee in offline mode?

A: Yes you can pay the application fee offline by using SBI challan.  

Q: I lost my offline bank challan. How can I re-print it?

A: In your registered account you can click the Download Offline Challan link to re-print the offline bank challan.

Q: Is Aadhaar card mandatory to apply for exam?

A: Aadhar Card is not mandatory. You can use other Ids to apply for the SSC CHSL 2019-2020.

Q: Where can I fill the application form for the exam?

A: You can follow the below mentioned link of the Staff Selection website to fill the application form - ssc.nic.in.

How to Create a Website for Free and Earn Money

Hi, Everyone we are back with our new post. We have been receiving constant request from our followers to write about about how to create a website for free and earn money with it.

So we look for all the best possible ways to create a create a website for free and earn money. After looking for a while we came to the conclusion that the best possible ways to create a website for free and earn money are 3 of the following :

000webhost, blogger, WordPress

All these websites allow you to create your website with their subdomain.

How to Generate Traffic for a Website

For example, WordPress allows you to create a website with the subdomain yoursite.wordpress.com.

These websites are easy to make and you do not have to pay even a penny for creating the websites.

Moreover, you can also apply for the AdSense for these websites and if your websites are generating good traffic then you can earn good income from these websites.

After using all these websites for a while we found that Google Blogger is the best among all the above websites for creating a free website and generating income from it.

If you are creating a website with Google Blogger than you will get the blogspot.com subdomain for your website. So your website url would look like yourwebsite.blogspot.com.

Also since Google Blogger and Google AdSense are the product of the same company hence it is easy to integrate Google AdSense with your Google Blogger websites.

I have created this demo website using Google Blogger: .

techbackbenchers.blogspot.com

How To create a free Website using Google Blogger and Earn money

For creating a website with Google Blogger all you need is a Google Account( Google follows the policy - One Account for All) and now a days it is common that everyone has a gmail or youtube account.

Now, Visit the Domain https://www.blogger.com/ or Search for Google Blogger in Google.

Sign in on the Blogger Website.

Now you will see the following like screen.

Now on the left side corner you will see the option for creating a new blog.

Click the option.....

Now choose the title and the address of the Blog you are creating and the theme you want to use...

Choose the address and title wisely as it affects the Seo of the blog.

After selecting the Domain and Title wisely click the Create Blog button.

Now your new Blog is ready. Now at the top you will see all the option to create a new Post.

In the left side bar you will get all the options like Stats, Comments, Earning etc.

Now in the Stats you can see how your blog is performing once it gets good hits you can apply for adsense in this blog.

In the upcoming Blog I will teach you how to apply for Google Adsense with a Google blog and earn money.

Stay tuned.

technmoney website traffic

How to generate traffic for a website

With the number of websites increasing day by day the work of browser to rank the website has also increased.

Previously there were only few websites on the internet on a particular topic but now you will find thousands of websites on a single topic.

Due to this the Google and other browsers are constantly changing their algorithms to rank the websites. We cannot rely only on the browser and the old SEO techniques to rank our website.

And with the increasing number of websites with similar SEO old techniques it is now required to follow some different approach to increase traffic on our website along with the new SEO techniques.

We are going to discuss all those techniques which can help you to increase traffic on your website and blogs.

Write Irresistible Headlines

This is one of the approach modern websites use to increase traffic on their respective websites.

People are now more concerned for the sensitive issues. If they see any headlines on any particular sensitive headline they are gonna surely open that link.

You have surely witnessed it with yourself also that most of us would open any headline related to rivers pollution issue and other sensitive issues whenever we found them on social platforms.

Start Using Quora

It is modern days one of the best approach for increasing the traffic on your website.

Believe it or not many peoples are generating about 100+ views per day on their websites from Quora.

All you have to do is to write answers on the topic relating to your website and then give a link at the bottom of the answer and ask user to click that link and find more details.

Start Using Instagram for Promotion

Instagram is another hot platform to increase traffic on any website. It is also the second largest social platform after facebook.

You will find lakhs of people online and sharing their content on this platform.

You can also create campaigns on different topic on this platform.

Many bloggers used it as a first tool for marketing their blogs.

Write Guest Post

Another such approach to increase traffic on your website is by writing Guest post on a website with high traffic.

It will surely gonna increase traffic to your websites.

Allow Guest Post

It is another approach to increase traffic on your website. All you have to do is to allow Guest posting on your website.

Ask peoples to write blogs for your website and in return you will provide the backlink to their website.

Linkedin Sharing

LinkedIn has over 575+ million users, with more than 260 million monthly active users. Of those LinkedIn users who are engaging with the platform monthly, 40% access it on a daily basis.

This platform can surely be used for increasing traffic on your websites if your websites domain relates to Job & Education.

Writing Internally Linked Article

Writing article is an art and one has mastery on that art knows how to take a user from point A to point B.

If you have that mastery you can link your different pages which can increase your traffic to your website when only one your article gets higher ranking.

This is the technique which most of the modern websites developers used to generate traffic internally.

Focus on the Speed of your Website

If your websites sucks at loading then you will probably loose around 50% of the visitors to your websites.

More over Google will itself mark your website with negative grade for slow website loading.

Try to increase the loading speed of your website by asynchronously loading the media files and other blocking scripts.

You can check your website speed here....

https://developers.google.com/speed/pagespeed/insights/

This website is designed by Google and will help you know the areas which are responsible for slow website speed.

home loan in india

Best home loan in India

Home loans are a common requirement for most people in India. Buying a house is a dream for all of us but it is not possible for most people in India to pay such a huge amount to buy a house at one time.

That is why the concept of home loan is a trending topic in India.

Best home loan is a relative term because sometimes what is best for us is bad for others and what is bad for us is best for others.

So, I will talk about this subject in general terms.

In India, you can apply for a home loan in three

Ways to apply for Home loan

  1. Private Bank
  2. Public Sector Bank
  3. NBFC

Now the important things you have to keep in mind while applying for home loan are:

Interest Rate

Interest rate is the amount a lender uses for a property levied by a lender on top of a principal.

If the lender is ready to lend the loan for the property you want to buy

Mainly public sector banks lend the loan keeping in mind the following things :

Documentation -

This is an important component to reduce turnaround time. Since PSU lenders such as SBI are very heavy on documentation, they take a lot of time to disburse towards builders.

Fines and Fees -

The borrower will have to check all such details such as how much penalty will be incurred on prepayment or late monthly installment payment.

No prepayment and hidden fees -

You should carefully observe the terms and conditions and all the charges levied by the bank.

Now we will compare home loan interest rates for all leading banks in India: -


Home Loan Providers Home Loan Rates Processing Fees*
SBI 8.40% onwards 0.35% – 0.50% of the loan amount (Min. of Rs. 2,000;  Max. of Rs. 10,000)
HDFC Bank 8.55% onwards Up to 0.5% of loan amount
ICICI Bank 8.70% onwards 0.5% – 1.00% of loan amount (Min. of Rs. 1,500)
Axis Bank 8.90% onwards Up to 1% of loan amount (Min. Rs. 10,000)
LIC Housing Finance 8.40% onwards As applicable
Indiabulls Housing Finance 8.80% onwards Up to 1% of loan amount
PNB Housing Finance 9.25% onwards Up to 1% of loan amount
DHFL 9.75% onwards Min. Rs. 5,000
Bank of India 8.75% onwards Min. 1000 and Max. Rs. 20,000
Syndicate Bank 9.35% onwards Min. Rs. 500 to Max. Rs. 5,000
Canara Bank 8.60% onwards 0.50% of the loan amount (Min. Rs. 1,500; Max. Rs. 10,000)
IDFC First Bank Up to 10.15% Up to 3% of the loan amount
United Bank of India 8.55% onwards 0.59% of loan amount (Min. Rs.1,180; Max. Rs.11,800)
Tata Capital 9.25% onwards 0.5% of loan amount
YES Bank 9.85% onwards 2% of loan amount (Min. Rs.15,000)
Standard Chartered Bank 9.41% onwards Up to 1% of the loan amount
Punjab National Bank 8.50% onwards 0.35% of the loan amount (Min. Rs. 2,500; Max. Rs. 15,000)
Bank of Baroda 8.60% onwards 0.25% – 0.50% of the loan amount (Min. Rs. 8,500 and Max. 15,000)
IIFL 10.25% onwards Rs 3000 to 0.75% of the loan amount
DBS Bank 9.45% onwards Up to Rs. 10,000
Bajaj Finserv 8.80% onwards Up to 1.20% of the loan amount
Citibank 8.75% onwards Up to Rs. 5000
Central Bank of India 9.50% onwards Up to 0.50% of the loan amount
Federal Bank 8.75% onwards 0.50% of the loan amount (Min. Rs. 3,000; Max. Rs. 7,500)
Fullerton India 8.75% onwards Up to 3% of the loan amount
Karur Vysya Bank 8.90% onwards Rs. 2,500 – Rs. 7,500
India Shelter Finance Corp. Ltd. 13.00% onwards 2% – 3% of the loan amount

*GST rates could be applicable depending on banks.

According to me, when choosing any bank for a home loan, do not just walk for the lowest interest rate, but check the whole deal.

Parameters like debt repayment and prepayment policies are very important

Now we will compare different banks that offer home loans in India and after looking at the classification, you will be able to clearly understand which bank home loan is best for you, because the best relative term for all is -

LIC Housing Finance Home Loan

Fixed Interest Rate Not offered
Floating Interest Rate 8.7%-9.05%
Processing Fees 0.5% of the loan up to a maximum of Rs. 10,000
Maximum Tenure 30 years,
and cannot extend beyond 60 years.
Pre-closure Charges Nil
LTV 85% for loans up to 20 Lakhs
80% for loans above 20 Lakhs and up to 75 Lakhs
75% for loans above 75 lakhs
Part-Payment Charges Nil

ICICI Home Loan

Fixed Interest Rate 9.9% – 10.25%
Floating Interest Rate 9.15% – 9.6%
Processing Fees 0.50% – 1.00% of the loan amount or
Rs. 1500/-whichever is higher
(Rs. 2000/- for Mumbai, Delhi & Bangalore)
Maximum Tenure 30 years
Pre-closure Charges Nil for floating rate loans
2% for fixed-rate loans.
LTV 90% for loan value less than Rs. 20 lakhs
80% for loan value more than 20 lakhs
75% for loans above Rs. 75 lakhs.
Part-Payment Charges No charges for part-payment
Min. part-payment should be equal to one EMI

State Bank of India Home Loan

Fixed Interest Rate None
Floating Interest Rate 8.7% – 9.1%
MaxGain interest rate
(Overdraft Loan interest rate)
8.75% – 9.45%
Processing Fees Up to Rs. 10,000
Maximum Tenure 30 years
Pre-closure Charges Nil
LTV 90% for – < Rs. 20 lakhs
80% for – > 20 lakhs
Part-Payment Charges Nil

Indiabulls Home Finance

Fixed and Floating Interest Rate 9.25%-11.2%
Floating Interest Rate 8.8%-11%
Processing Fees 0.5%-1% for loans above Rs. 30 lakhs
Rs. 10,000 for the rest
Maximum Tenure 30 years,
cannot extend beyond 60 years.
Pre-closure Charges Nil for floating rate loans
For fixed-rate loans:
a. Nil if paid from own sources
b. 2% if refinanced
LTV 90% for loan value less than Rs. 30 lakhs
80% for loan value of more than 30 lakhs.
Part-Payment Charges Nil

PNB Housing Finance

Floating Interest Rate 8.99% -11.5%
Fixed Interest Rate 9.5% -12.0%
Processing Fees 0.35% of the loan amount
(min of Rs. 2500 and max. of Rs. 15000)
Maximum Tenure 30 years, and cannot extend beyond 60 years.
Pre-closure Charges Nil for floating rate loans
Fixed-rate loans:
a. Nil if paid from own sources
b. 2% if refinanced.
LTV 90% for loan value less than Rs. 30 lakhs
80% for loan value of more than 30 lakhs.
Part-Payment Charges Nil

Bank of Baroda Home Loan

Fixed Interest Rate Not offered.
Floating Interest Rate 8.65% -11.25%
Processing Fees Fixed fee of Rs. 7500
Maximum Tenure 30 years,
Can extend up to 70 years subject to Ts & Cs.
Pre-closure Charges Nil
LTV 90% for loan value less than Rs. 30 lakhs
80% for loan value of more than 30 lakhs
Part-Payment Charges Nil

HDFC Home Loan

TruFixed Interest Rate 9.3% – 10.05%
Floating Interest Rate 8.8% – 9.55%
Processing Fees 0.50% or Rs. 3000/- whichever is higher.
Maximum Tenure 30 years
Pre-closure Charges Nil if paid from own sources and 2% if refinanced.
LTV 90% for loan value less than Rs. 20 lakhs
80% for loan value more than 20 lakhs
75% for loans above Rs. 75 lakhs
Part-Payment Charges Nil

Step by step process of applying for loan:

  • Home loan eligibility
  • Cibil score
  • Rate interest
  • rates loan
  • application
  • Bank valuation
  • Loan approval
  • Legal evaluation of documents  
  • Valuation check  
  • loan agreement
  • Loan Payment

There are many banks or NBFCs in the market that offer home loans with the lowest interest rates.

No one can directly suggest the name of any bank or NBFC that you should like, as all of them get many features and benefits, but it is entirely up to you that your eligibility and Matches the requirement.

Select all the well-known financial institutions and compare their features, benefits and rate of interest. Choose the best bank or NBFC that offers:

  • Low rate of interest (<= 9.50%)
  • continued foreclosure charges
  • Flexi scheme
  • 3 EMI free months
  • Part prepayment facility
  • online account access
  • Other features and benefits such as life insurance policy

I hope you have understood which bank is best for you for taking a home loan. Thanks for reading.