Bitcoin Investment Gainful or Painful

Bitcoin Investment Gainful or PainfulIn the recent days a lot has been written about Bitcoin and other crypto currencies – both in favour and against it. However, at the end of it all the potential investor as well as the existing investor who is interested to increase his investments is confused. Everyone wants to know is Bitcoin Investment Gainful or Painful. In other words, with so much of uncertainty surrounding the world of investments the investor wants to know what to expect in future.

The questions which are going on in the minds of people are:

  • Is Bitcoin a bubble or not!
  • Does the current pricing level hold a promise of gains in future also?
  • Despite huge popularity of cryptocurrency, will the craze die down anytime soon?
  • Is Bitcoin a latest ponzy scheme?

Also refer to: Interesting Facts about Bitcoin

Bitcoin Investment Gainful or Painful ?

To answer these and many similar questions, we have compiled a fact sheet for the international as well as the Indian investors. We wish them to take an informed decision and not suffer a loss. Therefore, read the full blog and at the end is also a short video which you may like to watch.

Points in favor of Bitcoin Investment and Dealing in Bitcoin

First, the points in favour of Bitcoin Investment and the euphoria. Hence consider the following:

  • During its very first year of existence in 2009, Bitcoin was not traded. Its first recorded price was in 2010 and that year its highest recorded price was $0.39! It is only in the start of 2017, Bitcoin started scaling new highs. Thanks to the increasing global acceptance and the prospect of high returns. In December, this cryptocurrency broke all the previous high records after crossing USD 19,000 mark on December 17, 2017.
  • India “accounts for more than 11 per cent” of global trade in Crypto-currencies such as bitcoin and ethereum.
  • The entire crypto currency market hit its peak value at about USD 700 billion in January 2018. Where the market share of Ethereum  was 13% and Bitcoin cash was at 8%. Bitcoin the leader was accounting for 36% of the total value of all cryptocurrencies.
  • Bitcoin is gaining more and more popularity as a worldwide currency. Founders of Yahoo, PayPal, Richard Branson etc. invest / have invested in Bitcoins.
  • Bitcoin is a global popular currency. It is not subject to control or administration of any particular country.
  • Being a digital currency, it has some unique possibilities such as user anonymity. Bitcoin users can transact anywhere where they have Internet access. Also personal information is not necessary to complete any transaction.

Points against Bitcoin Investment and Dealing in Bitcoin

And now some news items and developments which advice against the investment and even dealing in Bitcoins or other types of cryptocurrency

Unprecedented Craze and Phenomenal Price Levels without any fundamentals

The prices of many crypto currencies have multiplied several times this year. However, these Virtual Currencies don’t have any intrinsic value and are not backed by any kind of assets. Therefore, the price of these crypto currencies is entirely a matter of mere speculation resulting in spurt and volatility in their price.

Lack of approval and support from Governments and Regulatory Authorities

  • In the first week of January 2018, the Government of India issued a warning against investing in cryptocurrency. The Reserve Bank of India (RBI) had already issued similar warnings in the second half of 2017, advising Indian investors to stay away from the dealing in digital currency.
  • The amazing rise in the craze for buying drew the attention of media and various regulatory bodies globally. This led to the statement by Indian Finance Minister Mr. Arun Jaitley that India does not recognise cryptocurrency as legal tender.
  • Various Indian regulatory authorities including SEBI, Enforcement Directorate, Income Tax Department and RBI have turned their attention to the transactions in cryptocurrencies. If punitive actions are taken then could result in losses to investors.
  • It may be possible that the Government of India bans all crypto exchange markets in the near future. In that case, money invested in digital currencies may become worthless.
  • Globally also, governments, regulatory bodies and experts have warned people against jumping on the bandwagon of investing in cryptocurrencies.
  • China has completely banned the bitcoin exchanges.
  • Korea too has made certain rules about Bitcoin transactions. If Koreans use credit card or net banking to buy cryptocurency at the exchange, they will not be able to do so as there would be no settlement.

High Transactions Fees

The average fee paid to process bitcoin transactions has soared in the recent times. Each bitcoin transaction now costs around $7.00

Inherent Negative Features

  • Experts warn about the possible threat of hackers getting hold of your investment in virtual currencies. Recently, South Korean cryptocurrency exchange filed for bankruptcy after it was hacked for the second time, resulting in loss of over USD 70 million,”
  •  The investors can also lose all the investment if they forget their access details such as password.  There is no paperwork and there is no authority. Your whole identity is saved in a cryptogprahic signature/key. In case of loss of password/key, you cannot gain access to your money.
  • Similarly, if someone else gets access to your digital wallet, he can run away with all the money.

Now the book of facts is open and you are best person to take the right decision for yourself.

Short Video: Bitcoin Investment Gainful or Painful?

Disclaimer:  Neither the author nor the editor are the experts in Bitcoin currency or any other cryptocurrency. The information presented in this article is from secondary sources. Therefore, no guarantee about the accuracy of facts and figures cna be claimed. Readers are advised to do their own research before investing / dis-investing.

Here are links to a few more interesting articles :

Interesting Facts about Bitcoin

Some Facts about BitcoinThere is a high degree of probability that you have heard of the mysterious internet money called Bitcoin. Perhaps you already know a lot about it and a small population of the readers might also own this Cryptocurrency. Don’t worry, if you have not heard about Bitcoin at all or know only little bit. We bring you some interesting facts about Bitcoin.

Also we will share the names of some other cryptocurrencies. Therefore, read the full blog and at the end are also short videos in English and Hindi which you may like to watch.

10 Interesting Facts about Bitcoin

1. Bitoin is a very young currency

Compared to the phenomenal popularity of Bitcoin in the recent period, it is only about 8 years old. On 18 August 2008, the domain name was registered.Yet Bitcoin is the the undisputed king of cryptocurrencies.

2. The inventor of Bitcoin is not known

Bitcoin is not the currency of any particular country or region. Neither it is available in physical form. It is only a digital currency or as it is popularly known as internet money. Also there is no confirmed information about the person or persons who originated this.

3. The first Bitcoin purchase transaction was for pizza

Interesting Facts about BitcoinOn 22 May 2010, someone purchased Papa John’s pizza using 10,000 BTC .

4. Bitcoin’s supply is limited

There will only ever be 21 million bitcoins.

At present, 16.3 million have already been mined and are being traded. It is said that the last bitcoin will be mined in 2140. After that, no new bitcoins can be mined.

5. Bitcoins are not manufactured, they are mined

Bitcoins are mined on the blockchain network, and they come into existence when miners successfully mine Bitcoin blocks.

There is no central authority such as a government or bank which has created Bitcoins. These coins are by “miners,” who use computers and specialized hardware to mine through process transactions and collect bitcoins in exchange. There is a technology that records cryptocurrency transactions chronologically in a public digital ledger.

6. Bitcoins are held in digital wallets.

Much like when you log into your online bank account and see your balance, you also have a bitcoin wallet that is established when you sign up.

7. Losing a wallet means losing bitcoins forever

If you lose your digital wallet, the bitcoins in it are lost forever.

However it’s impossible for anyone to take away money from your wallet as there is a bitcoin address. Of course, if you know a bitcoin address you can see how many bitcoins it has.

According to a research paper published in December 2013, 64 percent of the 12 million bitcoins that had by then been mined had never been spent. This could be because of forgotten passwords, accidental losses, hoarding, bitcoin owners forgetting about coins or even dying. These bitcoins have unique keys to them and if they’re lost with a wallet, then they are removed from circulation forever.

8. Tracing Bitcoin Transactions

When making Bitcoin transactions, your name or identity is not used in any form. Only your public address is available.

The Bitcoin blockchain is a permanent ledger which is transparent. If anyone knows your Bitcoin public address, they can see how many bitcoins you hold and what transactions you have made.

9. Bitcoin may be difficult to ban

There is always news of regulatory authorities “banning” it. This is because Bitcoin is not under the jurisdiction of the traditional banking system.

However, this being designed in such a way it would be very difficult to ban it.

Yet, many countries have tried to ban it, like Bangladesh, Bolivia, Thailand, Vietnam etc. Also there are some countries like Australia, Russia, Japan, and Venezuela which have made Bitcoin an official legal tender and are regulating it.

Bitcoin has become too powerful and popular to be simply ignored, as long as you have an internet connection and a Bitcoin wallet, you can engage in Bitcoin transactions.

10. You can buy things with bitcoins

Bitcoins may sound a bit absurd at first, but it’s actually a currency which can be actually used to buy real things. There are a number of merchants who accept bitcoins as payment for items. This includes Microsoft Dell, Reeds Jewelers, One Shot Hotels, Holiday Inn and even local pizza places, restaurants, and more.

Rivals of Bitcoin

Bitcoin is not the only cryptocurrency. According trade website Coinmarketcap, presently there are over 1,300 rivals.

Virtual currencies like Litecoin, Ethereum, Peercoin, Namecoin, Primecoin, Feathercoin, Megacoin, Novacoin, ProtoShares, QuarkCoin, WorldCoin, Infinitecoin, Freicoin, CryptogenicBullion, Tickets, BBQCoin, Terracoin, Anoncoin, Ixcoin, Devcoin, Digitalcoin, Mincoin, GoldCoin, Yacoin, Copperlark, Zetacoin, Fastcoin, TagCoin, I0Coin,  Luckycoin etc.

You may also refer to Wikipedia – List of cryptocurrencies

A note from the author

Hope you liked this article. Here are links to a few more interesting articles :

Short Video: Interesting Facts about Bitcoin

Video: 10 Interesting Facts about Bitcoin बिटकॉइन के बारे में 10 दिलचस्प तथ्य

Debt Management and How to Pay Off Your Loans Smartly

Debt Management And How to Pay Off Your Loans SmartlyAre you drowning in debt and don’t know how you’re ever going to pay it off? Don’t worry, you are not the only one in this situation. For the benefit of many such people, we are going to cover exactly all this in this post – Debt Management and How to Pay Off Your Loans Smartly.

You may also watch the videos in English or Hindi at the end of this blog.

Debt Management and How to Pay Off Your Loans Smartly

Being in debt has a lot common with getting into the quicksand. Initially it seems easy that you would be able to pay off the loan with a little effort. But harder you try, more you keep getting into the debt trap. Not only that, but we want to pay off our loans fast, in the quickest, cheapest and most efficient way possible, so that we don’t waste any money on exorbitant and ever increasing interest.

1. Know your loan liabilities

The first step in debt management is to take charge of your own financial planning. As a first step, list down your debts by the interest rate charged on them. In ascending or descending order, list your debts or loans and liabilities by interest rate. This includes all types of loans taken by you such as Education Loan, Personal Loan, Credit Card Loan, Home Loan, Unsecured Loan, Secured Loan, Car Loan etc.

Next step would be to pay off your loans, one by one – starting with the one which carries the highest rate of interest. Usually the rate of interest charged for different categories is as follows:

Home Loan                 8.3%

Car Loan                     9%

Education Loan           10%

Personal Loan             20%

Credit Card Loan        32%

Naturally, with every passing day, you would be increasing your debt burden and amongst these, the Credit Card Loan and Personal Loans are the killers of your peace of mind. Therefore, pay them off first. If you do not having adequate finance or bank balance, you may continue to pay the EMIs of other loans.

2. Clear off your debt by paying higher EMI

Let us try to understand this with the help of an example. Suppose you owe Rs. 50,000 to the lender under the unsecured loan category and it has been agreed that you will pay off the amount + interest over a period of 3 years and the interest charged is 20%.

You would be paying EMI of Rs. 1,858.18 for 36 months. Thus total amount payable by you would be: Rs. 66,894.48. Hence total interest component would be: Rs.16, 894.48

Now let us assume that you increase the EMI value to about Rs. 2,577.79. In this case, total amount paid by you would be: Rs. 61,074.96. Hence total interest paid would be: Rs.11,074.96. This way your total loan liability would be paid off in 24 months and also you would pay Rs. 5,800 less interest.

Now let us assume that you increase the EMI value to about Rs. 4,631.73. In this case, total amount paid by you would be: Rs. 55,580.76. Hence total interest paid would be: Rs.5,580.76.

Therefore, you achieve a saving of Rs. 11,300/- in interest by increasing the EMI amount. Besides, you would clear the loan liability within one year.

3. Sell what you don’t need to finance some EMIs

We now need to get smarter with our financial planning for debt management. Warren Buffet, the famous investor who figures in the list of top 5 richest persons in world says, “If You Buy Things That You Don’t Need, You Will Have To Sell Things That You Need.”

But we still keep giving in to the temptation of buying things that we don’t use regularly. Just look around your house and you will find many items that you have not used in the last 6 months to 12 months. Also there are good chances that you may not use them in future also. For example, it could be mobile phones, tablets, camera, luxury watches, laptops, computers, expensive bags, furniture items and the list could go on.

So gather them, make a list of these items and go online to sell them. Of course, you have to be prudent and detached while putting them on sale. It is hoped that you would be able to generate enough cash, may be good enough to pay for 3 to 4 EMIs.

4. Restrict your purchases till you pay off all your debts

For the next few months or years, while you are paying off your debts, manage to live well within your means. This means buy those assets only which are going to increase in value (appreciating assets).

Stay away from buying liabilities. For example, you decide to buy a car by taking a car loan. Even if you somehow manage to buy the car against one down payment, it is still going to depreciate in value plus you will be paying for insurance, road tax, parking, fuel and regular maintenance.

Recommended reading: How to Save Money on Car Insurance

Second category to avoid is the temptation to buy unnecessary objects or services. The example could be another fashionable pair of branded jeans, while you already have quite a few in your wardrobe or dining at an expensive up-market restaurant.

All this has to avoided, at least temporarily – till you become financially stronger again.

To help you identify such expense heads, we give below an indicative list:

  • Travel and Holidays
  • Dining
  • Entertainment
  • Unnecessary Monthly or Annual Subscriptions
  • Depreciating Assets

It is hoped that by cutting down on above expense heads, you may save as much as 20% to 30% per month and naturally it should be used to pay off your debts faster.

5. Use Secondary Income to Pay Off Your Debts

It is quite possible that your spouse is working. In that case, you should try to run your household from the primary income while use the secondary income in full to pay your EMIs. It is quite possible that your spouse is not working, in that case one or both of you can do some freelancing jobs from the comfort of your home.

In the following articles, we have shared many ideas and techniques for you to generate extra income:

There could be another situation that you are not married or are divorced. In that case, please refer to How to Earn More Money in Career or Business

6. Create a corpus fund to avoid borrowing

The most ideal situation for anybody would be to do away with the need to take a loan ever. Aim to create a corpus fund for any kind of need in future including emergency. This would have to be created from your savings. Even small monthly savings would grow into a decent size, provided there are regular monthly savings and they are invested sensibly. As the time passes, you would marvel at the size of the fund at your disposal, thanks to the power of compounding. This means that besides principal amount, even the interest will earn interest.

It is important that you consult a professional financial advisor and seek regular investment advice.

This is called the passive income generation.

7. Become Budget Conscious

As long as you are living within your means, you shall never get into debt trap. Know what your earnings are, know what your needs are for which you need to pay and balance the two. In fact, there is a third important component and that is regular savings.

Ideally, you should set aside at least 20% of your monthly earnings as savings and then plan your life style around 80% of your income or an amount less than that. A good budgeting exercise should be based on data and done intelligently by  rising above your emotions and habits of compulsive shopping or a need to show off.

This would keep you always happy, tension free, healthy and confident.

Also this is a pro active approach under smart financial planning to avoid falling into any debt trap.

Good books to read on the related topic:

Other recommended articles for you:

Video: Debt Management and How to Pay Off Your Loans Smartly

Video in Hindi: Debt Management and How to Pay Off Your Loans Smartly

Inspiring Quotes About Communication

Best Inspirational Quotes for CommunicationCommunication is all about speaking, writing, speaking, listening and more than that. Good communication can open many closed doors for you, while bad communication can close many doors which could have led to good opportunities. We have compiled excellent inspiring quotes about communication for you to use in your own day to day communication as well as presentations and speeches.

These quotes cover a wide range of topics relating to communication, including relationships, public speaking, life, relationship, self development, reputation management, PR, internal and external engagement, leadership, marketing and corporate affairs.

It is hoped that you will find these quotes inspiring and useful. Let these communication quotes inspire you to develop your communication skills further! Also do watch the video at the end of this blog.

Inspiring Quotes about Communication relating to Management

  1. Effective communication is an essential component of professional success whether it is at the interpersonal, inter-group, intra- group, organisational or external level. – Mike Myatt
  2. The art of effective listening is essential to clear communication, and clear communication is necessary to management success. – James Cash
  3. The most important thing in communication is hearing what isn’t said. – Peter Drucker
  4. The goal is to provide inspiring information that moves people to action. – Guy Kawasaki
  5. Communication works for those who work at it. – John Powell

Inspiring Quotes about Communication relating to Life

  1. Communication leads to community, that is, to understanding, intimacy and mutual valuing. – Rollo May
  2. Effective communication is built on the cement of trust. And trust is based on trustworthiness, not politics. – Steven R. Covey
  3. The difference is conflict, an important yet overlooked aspect of all good communications. – David Meerman Scott
  4. The way we communicate with others and with ourselves ultimately determines the quality of our lives – Tony Robbins
  5. Communication is not only the essence of being human, but also a vital property of life. – John A. Piece
  6. Good communication is as stimulating as black coffee, and just as hard to sleep after. – Anne Morrow Lindbergh
  7. To effectively communicate, we must realize that we are all different in the way we perceive the world and use this understanding as a guide to our communication with others. – Tony Robbins
  8. The single biggest problem in communication is the illusion that it has taken place. – George Bernard Shaw
  9. Many attempts to communicate are nullified by saying too much. – Robert Greeleaf
  10. The most important thing in communication is hearing what isn’t said. – Peter Drucker
  11. Two monologues do not make a dialogue. – Jeff Daly
  12. Wise men talk because they have something to say; fools, because they have to say something. – Plato
  13. Effective communication is 20% what you know and 80% how you feel about what you know. – Jim Rohn
  14. The basic building block of good communications is the feeling that every human being is unique and of value. – Unknown
  15. Kind words can be short and easy to speak, but their echoes are truly endless. – Mother Theresa
  16. Precision of communication is important, more important than ever, in our era of hair trigger balances, when a false or misunderstood word may create as much disaster as a sudden thoughtless act. – James Thurber
  17. The difference between the right word and the almost right word is the difference between lightning and the lightning bug. – Mark Twain
  18. The less people know, the more they yell. – Seth Godin
  19. Communication. It’s the first thing we really learn in life. Funny thing is, once we grow up, learn our words and really start talking, the harder it becomes to know what to say. Or how to ask for what we really need. – Meredith Grey 

Inspiring Quotes about Communication relating to Relationship

  1. Communication leads to community, that is, to understanding, intimacy and mutual valuing. – Rollo May
  2. Humor is the affectionate communication of insight. – Leo Rosten
  3. Communication and Trust are two main ingredients for a successful relationship. – Unknown
  4. In many ways, effective communication begins with mutual respect, communication that inspires, encourages others to do their best. – Zig Ziglar 

Inspiring Quotes about Communication relating to Self Development

  1. The basic building block of good communications is the feeling that every human being is unique and of value. – Unknown
  2. The more elaborate our means of communication, the less we communicate. – Joseph Priestley
  3. Of all the life skills available to us, communication is perhaps the most empowering. – Brett Morrison
  4. Bad human communication leaves us less room to grow. – Rowan D. Williams
  5. Communication without compassion is brutality. – Sharon Johnson
  6. We should be as careful of our words as of our actions. – Cicero
  7. Think like a wise man but communicate in the language of the people. – William Butler Yeats
  8. The art of communication is the language of leadership. – James Humes
  9. Write to be understood, speak to be heard, read to grow – Lawrence Clark Powell
  10. Skill in the art of communication is crucial to a leader’s success.  He can accomplish nothing unless he can communicate effectively. – Anonymous
  11. I speak to everyone in the same way, whether he is the garbage man or the president of the university. – Albert Einstein
  12. The art of communication is the language of leadership. – James Humes
  13. First learn the meaning of what you say, and then speak. – Epictetus
  14. Speak clearly, if you speak at all; carve every word before you let it fall. – Oliver Wendell Holmes
  15. The five essential entrepreneurial skills for success are concentration, discrimination, organization, innovation and communication. – Michael Faraday
  16. Speak when you are angry and you’ll make the best speech you’ll ever regret. – Dr. Laurence J. Peter
  17. Deep listening is miraculous for both listener and speaker. When someone receives us with open- hearted, non-judging, intensely interested listening, our spirits expand. – Sue Patton Thoele

Short Video: Best Inspirational Quotes for Communication

Other recommended quotes for you:

How To Introduce Yourself

Tips To Introduce YourselfIntroducing yourself is an art. At every occasion to make a connection, the person needs to introduce himself. The introduction of a person plays an important role in moving forward on the path of progress. Therefore, in this blog we share some useful tips on how to introduce yourself. So read this blog till the end.

As they say, “First Impression is the Last Impression”. Therefore, it is very important to include some of your strengths or skills in a good introduction, so that your skills and your abilities can let you create a great impression. If you follow the tips sincerely, you are sure to impress others when you introduce yourself to someone new.

Also at the end of this article are given video in English and video in Hindi.

Tips on How To Introduce Yourself

Often, we meet new or unknown persons at a business meeting, party, social function or on some occasion. At that time certain things need to be kept in mind and certain rules should be observed at that time.

1. Take the initiative to break the ice

There are many polite ways to start talking to a new person. You may start with a simple ‘Hello’ or ‘Hi’ and a hand shake, if possible.

You may also benefit from:

2. Greetings

Whenever you meet someone unknown, greet him or her. At this point of time, your confidence should reflect strongly. Confidence is a very important factor. Therefore, be confident about yourself and your personality.

Be confident in your manner of speaking and body language. For example, if shaking hands, hold his hand firmly with your fingertips for about 3 to 5 seconds. Doing this will create other person’s interest in you and he would like to talk to you.

It is really important to greet the other person cordially. On approaching the person give him a smile and start the conversation with a friendly “hello” or a “hi”. Apart from having a friendly manner try to be polite at the same time, remember you are to start a conversation with a stranger, not a lifelong friend.

3. Eye Contact

When introducing yourself, you must definitely look at the face of person. Better make eye contact.  This will reflect your good self-confidence and by doing so, the person you are meeting will get the message that you are paying attention to him.

4. Smile

It is really important to give the other person a smile while greeting him cordially. On approaching the person give him a smile and start the conversation.

Your smile can attract anyone to you, especially if a group of strangers are meeting for the first time. You friendly smile is the best way to make the other person comfortable about you and talk to you. A genuine smile also shows your honesty.

5. Know the Name

After following last 4 tips, know each other’s name.

Here is an easy to follow example:

Molly: Hello. I’m Molly.

(Offer your hand.)

Allan: Hi, I’m Allan.

(Shake hands.)

Molly: Nice to meet you.

After knowing each other’s name, you should smile and say to him, “I am very happy to meet you.”

6. Share information

Maintaining the smile and a friendly eye contact, try to be polite at the same time. To take the conversation forward, you can tell the person in front of you about something like:  Where do you live? What do you do? What is your background etc.

Keep in mind, you are starting a conversation with a stranger, not a lifelong friend. Whatever you ask the other person, your voice must be sweet.

7. Be A Good Listener

Being a good listener is as important as being a good speaker. This is the most important rule of a good communication. Allow the other person also a chance to speak and tell about himself and his interests.

8. While taking leave

After the meeting with the other person is over and when it is time to leave, you must say with a smile, “I enjoyed meeting you and hope that I will get the chance to meet you again”


Knowing how to introduce oneself is something everyone should be quite good at. Whatever the occasion – in public or business meeting or in an interview or just a social function, one must know how to introduce himself. If you learn well and perfect this art to introduce yourself, it becomes easier to make friends and to have a good social circle.

These useful tips will be very useful in making a better rapport with any new acquaintances. And I’m sure you will be able to introduce yourself better and with more confidence.

Other articles recommended for you:

Short Video: How to Introduce Yourself – 8 Easy Tips

Short Video: How to Introduce Yourself : 6 Great Tips in Hindi

About the Author

Sundeep Kataria CV MakerSundeep Kataria is the CEO of ACS Consultants – a Management Consulting Firm. He holds multiple qualifications: MBA, PGDIT (IIFT), MS in Counselling & Psychotherapy and Diploma in Company Law. He has also formally learnt Digital Marketing and Website Making.

In 1995 he pioneered the concept of professional Career Counselling, Executive Coaching and Mentoring. Over the years he has mentored many professionals, like CAs, Engineers, Sales & Marketing Professionals, IT Experts etc.

The unique style of Sundeep Kataria is that he connects with each and every individual personally, holds in depth discussion before undertaking the assignment.

Motivating Quotes About Getting Out Of Debt Trap

Motivating Quotes About Getting Out Of Debt Trap

Debt trap is not an easy situation to live with. However, if you have got into one, please take immediate action. Your top priority should be to take solid steps in the right direction to do damage control or proper debt management and come out of it as fast as possible. However, it is easier said than done. A debt is not only a financial drain but it also sucks away the physical, mental and emotional energy of the concerned person. Hence to energize you and charge your mind with positive energy we bring a collection of Motivating Quotes about Getting out Of Debt Trap.

Motivating Quotes About Getting Out Of Debt Trap

  • Some debts are fun when you are acquiring them, but none are fun when you set about retiring them. – Ogden Nash
  • It is the debtor that is ruined by hard times. – Rutherford B. Hayes
  • It is poor judgment to countersign another’s note, to become responsible for his debts. – Bible
  • Interest on debts grows without rain. – Yiddish Proverb
  • Before borrowing money from a friend, decide which you need most. – American Proverb
  • In God we trust; all others must pay cash. – American Proverb
  • The borrower is servant to the lender. – The Bible
  • When you get in debt you become a slave. – Andrew Jackson
  • The second vice is lying, the first is running in debt. – Benjamin Franklin
  • Never spend your money before you have it. – Thomas Jefferson
  • Creditors have better memories than debtors. – Benjamin Franklin
  • When a man is in love or in debt, someone else has the advantage. – Bill Balance
  • A man in debt is so far a slave. – Ralph Waldo Emerson
  • Wouldst thou shut up the avenues of ill, Pay every debt as if God wrote the bill. – Ralph Waldo Emerson
  • Debts and lies are generally mixed together. – Francois Rabelais
  • Who goeth a borrowing. Goeth a sorrowing. – Thomas Tusser
  • Debt is the worst poverty. – Thomas Fuller
  • Do not accustom yourself to consider debt only as an inconvenience; you will find it a calamity. – Samuel Johnson
  • I go on the principle that a public debt is a public curse. – James Madison
  • You cannot spend your way out of recession or borrow your way out of debt. – Daniel Hannan
  • Debt is a prolific mother of folly and of crime. – Benjamin Disraeli
  • Debt can turn a free, happy person into a bitter human being. – Michael Mihalik
  • If you’re thinking of debt, that’s what you’re going to attract. – Bob Proctor
  • Debt is the slavery of the free. – Publilius Syrus
  • A small debt produces a debtor; a large one, an enemy. – Publilius Syrus
  • A habit of debt is very injurious to the memory. – Austin O’Malley
  • The impulse dances inside the debt. – Jareb Teague
  • A mortgage casts a shadow on the sunniest field. – Robert Green Ingersoll
  • Debt is like any other trap, easy enough to get into, but hard enough to get out of. – Henry Wheeler Shaw
  • Home life ceases to be free and beautiful as soon as it is founded on borrowing and debt. – Henrik Ibsen
  • One can pay back the loan of gold, but one lies forever in debt to those who are kind. – Malcolm Forbes
  • You don’t have to be a miser, just be wiser with your money. – Dorethia Conner Kelly
  • Rule No.1: Never lose money. Rule No.2: Never forget rule No.1. – Warren Buffett
  • You must gain control over your money or the lack of it will forever control you. – Dave Ramsey
  • Every time you borrow money, you’re robbing your future self. – Nathan W. Morris
  • If there is no struggle, there is no progress. – Frederick Douglass
  • To acquire money requires valor, to keep money requires prudence, and to spend money well is an art. – Berthold Auerbach
  • The cost of a thing is the amount of what I call life which is required to be exchanged for it, immediately or in the long run. – Henry David Thoreau
  • Buy when everyone else is selling and hold until everyone else is buying. That’s not just a catchy slogan. It’s the very essence of successful investing. – J. Paul Getty
  • Don’t tell me where your priorities are. Show me where you spend your money and I’ll tell you what they are. – James W. Frick
  • Success is not final, failure is not fatal: it is the courage to continue that counts. – Winston Churchill
  • The safest way to double your money is to fold it over and put it in your pocket. – Kin Hubbard
  • The person who doesn’t know where his next dollar is coming from usually doesn’t know where his last dollar went. – Anonymous
  • Happiness is not in the mere possession of money; it lies in the joy of achievement, in the thrill of creative effort. – Franklin D. Roosevelt
  • I am determined to be cheerful and happy in whatever situation I may find myself. For I have learned that the greater part of our misery or unhappiness is determined not by our circumstance but by our disposition. – Martha Washington

We do hope that this collection of handpicked Quotes about Getting out Of Debt Trap would have re-charged you. Make a promise to get out of debt by paying back your loans. Also for future make your financial planning and wealth management in such a way that you do not get into:

  • Excess use of credit card
  • Borrowing without having the capacity to pay
  • Take loans at high interest rates

By following these simple rules, you will ensure healthy financial life and avoid debt trap or bankruptcy.

Other recommended quotes:

Most Profitable Internet Business Models

Most Profitable Internet Business ModelsOver the last few years, internet has changed many aspects of our lives. This includes new career opportunities as well. Online businesses have become very popular. Not only that, internet and online businesses have disrupted traditional way of doing business across the world. Online businesses over the last decade and a half have disrupted industries and have changed the way we commerce forever. The purpose of this blog is to focus on something specific for those who are looking for career or additional source of income by way of discussing most profitable internet business models.

Along with the information in this blog, you may also benefit from Best Passive Residual Income Ideas.

How internet changed my life?

I consider this as my sacred duty to share with my readers that what qualifies me to write this blog on the broad subject of internet and business. About two decades back I earned degree of Master of Business Administration in general management followed by another post graduate diploma in international trade from one of the prestigious institutes of the country. I worked for top companies for a few years before turning and entrepreneur as a business consultant. You can also check my profile.

I needed some media to broadcast or advertise about my services. I began with my business website and then I taught myself to popularize this website and my services through other websites including social media. During this journey, I got convinced that I can do better if I professionally learnt digital marketing. I am glad I did so because there has been no looking back since.

Internet and Business

During the course of my learning digital marketing (which I am doing even now by updating my knowledge) I decided to add some profitable internet business models also to my business. Today it good chunk of my regular income is drawn from if you profitable internet Business models. Hence it is my earnest desire to share with all my readers the various business opportunities and career opportunities which Internet offers today. You can choose one or more of these Internet Business Models depending on your background, education, training or interest etc.

Recommended reading: Easy Ways to Earn Money through Internet

Most Profitable Internet Business Models

For the last several years, I have been working on several different business models that are available right now and have actually made if you hundreds to thousands of dollars on each one of these methods. It is almost like discovering the digital gold rush.

Also read: Success Factors for Small Business

Hence to learn about how to make money online, please read on to know about the all.

1. Google Adsense

For the bloggers or the webmasters, Google AdSense is perhaps one of the easiest internet business models to earn money. Basically if you are good at writing or content creation, you can attract a lot of traffic of the online readers to your blog or website. These readers might get attracted to click on some of the advertisements running on your web pages. These advertisements are published on your blog through Google who undertakes to run these advertisements on behalf of the advertisers. All you need to do is have an approved AdSense account from Google and paste HTML code on your site. Google pays you for clicks (CPC) or the number of Impressions. Why Google is the master of the game, there are other alternatives also available such as Chitika, Media.Net( Yahoo/Bing Advertising Network), Infolinks etc.

However, it is my learning that Google Adsense is probably the most widely accepted method to earn money by running the advertisements on your site.

2. YouTube

This is another extension of the Google AdSense model to earn money online. Instead of running the advertisements on your blog, you may choose to create interesting, useful, educational videos on any subject you like or know about and allow Google’s company YouTube to run ads on them. The earning model is almost same – you get paid for the number of ads scene and/or click on.

The condition here is that you need to be passionate about your subject and not necessarily master offer subject. Secondly, your viewers have to fall in love with you videos and await your next release. Thirdly, you must upload good quality likeable videos regularly and frequently.

3. Affiliate Marketing

Affiliate marketing is a concept where you help a company sell the products or services. This company could be the owner of the brand or a consolidator / e-commerce seller such as Amazon etc. In other words, you did not create these products or services but you promoted the sales of these products through your website, email marketing, social media network etc. (to name a few)and in return you are a certain percentage of the value of the product or the service sold by becoming an Affiliate.

There are many sites like Flipkart, Clickbank, Hostgator, Bluehost Amazon that provide you with the opportunities to become there affiliate marketer.

To use the specific jargon of the affiliate industry, the affiliate marketing business is the business of generating leads to get the sales of products and services. For this you have to associate with one or more companies who are either selling these products or affiliate networks (agencies that bring together a number of affiliates to relieve work advertisers).

To start with, you can become the affiliate of Amazon. It is one of the best known online affiliate programs and Amazon is one of the well known companies in the world. It is also one of the most trusted names.

4. Sell your own Product or Service Online

If you are reading this section, there are good chances that you are thinking of selling something online. Well you have many choices as well as good completion, yet there is good scope if you know how to select a niche product line and match it with the right segment which would want it.

You have also to choose between starting your own E-commerce website / online store or existing ecommerce giants like Amazon, Snapdeal, eBay or Flipkart. Whether tangible product or services like teaching science or how to draw or giving piano lessons – only sky is the limit. If you have special talents or skills then you may sell your services at Fiverr, Upwork, Freelancer and so on. Please do refer to: Best Freelance Writing Sites To Get A Job

Your age, education, financial status are no bar. However, to be successful you may have to begin carefully with proper planning and taking one step at a time. It would not be a bad idea to initially take the help of a professional digital marketing professional. For example, you have to think of selling something unique at the right price to the segment which values what you are offering online.

5. Sell Digital Information Online

After the internet became a mainstream phenomenon about two decades back, it changed life including the ways to sell around the world. This gave birth to the system if E-commerce. More than 35 percent of the world’s internet users buy one line at least once and this trend is growing. In 2016, the size of e-commerce was estimated to be $2.35 trillion.

This growth of online selling has also created market for tips, strategies and life style ideas such as how to do yoga, how to lose weight, how to train dog, how to do strength training for fitness etc. The customers want the guidance and the popular formats are passbook protected videos, CD, DVD, eBooks, audios, a webinar, a membership website. These products can be shipped of downloaded electronically from your website.

6. Online Lead Generation

Online lead generation is an Internet marketing term where you using the internet tools of your choice to attract potential customers for a particular product or service, inform them of the availability of such a product or service –which is being offered by your client and then you re-direct potential customers to your client through the Internet. In addition to simple selling, leads or contacts, can be generated for a variety of purposes: list building, e-newsletter list acquisition, or for other member acquisition programs.

7. Drop Shipping

This is an interesting eCommerce business model where you sell to your customers the products without having to manufacture, store or even see them. Drop shipping model allows you to buy products individual products from one or more wholesaler of your choice and ship them directly to your customers.

In simpler terms, you don’t need to stock or own the inventory. Unlike the standard retail model, you simply purchase as and when needed from a third party – usually after receiving orders from your customers to complete the orders.

As a new entrepreneur, you get many advantages, such as low start up capital requirement, wide product range and wider geographical coverage. Also this business model is quite scalable.

8. Apps

With the unprecedented popularity and use of mobile phones, mobile apps are a great business model.

As a company into mobile advertising or app development or digital marketing or even as an individual app developer, there are many ways of making money. Beginning with Freemium where the basic version is free, you can offer the extra features or premium version for a price.

Second method of generating revenue is earning through advertising. Also you may offer an advertising free experience for a price to the users. Both ways you earn money.

Another way is to offer paid apps.

What is the right Internet Business Model for you?

Well the answer to this question is not simple and only you can decide that what model or models would you like to begin with and continue working. Your decision should be made on the time slots available, total time per day you can commit, your skill sets and liking. Also keep in mind that building internet business requires serious efforts,sincerity, hard work, persistence and ‘Never Say Die’ approach.

If you are serious about starting your own business, reading following articles may be very helpful:

Sales Jobs Interview Questions and Answers

Sales Jobs Interview Questions and Answers

If you want to land a great sales job, you’ll have to learn how to perform well in the sales interview. It’s a way for the potential employer to get to know you and also test your selling skills. To help you prepare in advance and perform better in your next interview, we bring a good number of Sales Jobs Interview Questions and Answers. Of course, there are tips, explanations and videos with specific questions.

This blog is divided into two sections as follows:

Also at the end of each section or answer is a video.

Sales Jobs Interview Questions

The hiring manager will want to check your capability to generate sales, such as ability to persuade, presentation skills, motivation, persistence, and others. You will be asked questions based on the experience which you have gained, skills you have acquired and the knowledge of your domain and industry.

After reading these tricky Sales Job Interview Questions, prepare as much as you can and learn from our tips, explanation and model answers which are given in Section 2.  This should make your performance in the interview much better.

  1. What Do You Like The Best About Being A Sales Manager  – Model Answer with Tips and Video
  2. What are the most important Sales Skills?
  3. Have you consistently met your sales targets? –  Model Answer with Tips and Video
  4. What are your selling techniques?
  5. Sell me this pen – Model Answer with Tips and Video
  6. How do you handle rejections? What’s your approach to handling customer objections?
  7. What motivates you? – Model Answer with Tips and Video
  8. How do you train and motivate your juniors?
  9. What makes you a good salesperson? –  Model Answer with Tips and Video
  10. What do you like the best about being a Sales Manager?
  11. How important is money to you?
  12. What made you make a career into sales?
  13. What are your goals in term of professional development and advancement?
  14. Describe some success stories and some difficulties. How did you handle the difficulties?
  15. What have you found to be the most important skills in negotiating and succeeding in sales?
  16. What do you think it takes to be a good leader?
  17. Have you consistently met your sales goals?
  18. How do you keep up to date on your target market?
  19. What are your long term career goals?

  20. What are your strengths and weaknesses?
  21. How would your colleagues describe you?

  22. How would your boss describe you?

You can also watch the interviewer asking quite a few of above mentioned questions with some tips in the following video.

Short Video: Sales Jobs Interview Questions

Sales Jobs Interview Questions and Answers

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Please keep in mind that the interviewer will be asking questions to learn more about your sales track record and professional accomplishments to know more about your selling techniques and selling abilities. At the same time, the interviewer will be carefully observing your communication skills.

Q. #1 What Do You Like The Best About Being A Sales Manager

Also they can be similar questions, if not exactly on the same line. For example, it could be:

  • Why did you choose sales as your career?
  • What factors influenced you to choose sales as your career path?
  • Why does the profile of a sales manager excite you?

Understanding the question

Let us try to go deeper into the question first. The interviewer is trying to understand your primary motivation for selecting the career in the field of of sales.

It is also a good question to learn that how much research, planning and thought went into your career selection. Are you there by random acts? Or by chance? Or is this a part of well designed career plan?

Sample Answer

Let us now see how best to answer this question for junior to middle level positions


There are quite a few things which I love about my sales career. To begin with, it is very rewarding to help the customer make the right choice when he is buying a product or a service.

Secondly, when the customer comes to us for after Sales Service we provide him the best possible service. This helps us to build a great relationship which is important in getting repeat orders and ensuring that the customer will come to us for after Sales Service also.

To see the smile on the face of the satisfied customer is a great reward both professionally and personally.

Q. #2 Have you consistently met your sales targets?

This is yet another video in the series “sales job interview questions and answers”. In this video we shall take up the question “Have you consistently met your sales targets”.

Understanding the question

During the interview, very common for the interviewer to ask you something about meeting your sales targets or method of achieving sales goals.

Also there could be questions on the similar lines and if not exactly the same:

  • Have you consistently met your sales targets?
  • Do you always achieve your sales goals.
  • What is your methodology to regularly achieve your sales targets ?

Tips to answer the question

Here I would like to give three important tips.

1. Quantify your answer

We are talking of sales and not emotions or art objects like paintings. Therefore, whenever possible, use numbers to quantify your success. You might mention by how much you exceeded a sales goal, how many times you exceeded a sales goal, or even how much money you made for a company. These kinds of answers show the employer how you will add value to their company.

2. Explain your achievement

If you did something extraordinary, then explain how you exceeded your sales targets. Maybe you developed a new sales strategy, or worked particularly well with your sales team etc. Explain how you achieved success so the employer can better understand your skills.

3. Don’t blame anyone

If you have not been able to meet the sales targets, then definitely do not blame others. Such as your employer or your colleagues – for and under achievement. Simply code the numbers you have achieved and briefly describe the circumstances or the events which posed  a challenge.

Sample Answer


During the course of my career I’ve achieved sales targets most of the times.

Specifically in the last 3 years, when many of my sales colleagues were leaving my industry because of the recession, I managed to increase my sales by at least 10 percent over the previous year by developing new sales strategies and techniques to help increase my success.

Also I have been in the top 10 percent of my company’s sales staff for the past five years.

However, I could not achieve my target in 2 quarters only but I immediately took action, such as making changes to my sales strategy. As a result, I was able to achieve target in the next quarter.

Q. #3  Sell me this pen

Similar questions could be:

  • Demonstrate your selling skills
  • Sell me this pencil / mobile phone / laptop

Understanding the question

If not the pen, you might be asked to sell the interviewer a pencil, a stapler, an apple, or any other object.  This is a hypothetical question, hands there is no right or wrong answer, but the interviewer is interested to see the sales process that you follow, your verbal communication skills, and your enthusiasm and creativity.

Tips to answer the question

Now that you have understood the reason this question has been asked it would be easy to appreciate the tips which I am going to give you now.

  1. Be Positive and Enthusiastic
  2. Be Ready to Sell
  3. Emphasize the Features of the product or service that the buyer will Value
  4. Try to close the sale

Sample Answer

I am so excited to show you this unique pen manufactured by our company. This pen can help you to write in a legible and efficient manner. The ink of the pen dries very fast, so you do not have to worry about smudging of the ink. This pen is also leak proof, so you can carry it in the pocket of your shirt or trousers. The flow of the nib is so good that you can even make sketches and diagrams effortlessly.

I would love to be your preferred supplier to your company for the high quality pens.  I will work hard to justify the confidence that you would place in me and our product and I will make sure you are always satisfied. Can we move forward with your first order?

Q. # 4  What motivates you?

Similar question could be:

  • What motivates you to sell?

Understanding the question

Your prospective employee is interested to make sure that if hired, you can become a productive, motivated and money-making member of the team.

When it comes to sales jobs, the need to give results and show your enthusiasm.

Tips to answer the question

It is important to tie your motivation to sales goals. The prospective employer wants to hire a person who is self-directed, enthusiastic and is highly charged up to achieve sales targets.

Sample Answer

I am motivated by a challenge. I love going past my last sales record. My goal is always to make bigger deals and the commission money I make give me a lot of happiness and motivation

Besides, I also I enjoy meeting new clients and giving demo companies very innovative products.

Q. # 5  What makes you a good salesperson?

Similar questions which the prospective employer might ask:

  • What makes you good at sales?
  • Why you are good at sales?

Understanding the question

This is one of the favorite questions of the interviewers. They want to understand that what techniques and methods you use to clock is sale. Do you use soft skills like persuasion or technology to win the client and close the deal.

Depending on the quality and nature of your answer, immediately you may become a more attractive candidate.

Tips to answer the question

There cannot be a generalized or one line answer to this question. Therefore, the best approach would be to tell the interviewer about your skills in combination with your experience which have made you an achiever so far.

It would be a good idea to make a list of some of your soft skills that have helped you to develop your successful sales style.

Sample Answer

I am constantly motivated by the challenge of the sale. The success of landing a new client is a thrill, and building a well-thought out pitch that will explain the product is very satisfying.

I work hard to learn from rejection and continuously improve my sales techniques.

I am also very detail oriented, and that helps me in sales in many ways. I also like to know my territory in and out, and I like to find out about my customers personally, so I can better serve them. Buy this combination of skills and style help me get an order of 100 refrigerators from a large client which is into manufacture and distribution chocolates and candies.


How can help you to find your Dream Job?

We conduct workshops, training programs and one to one counseling sessions, where we teach Interview SkillsPersonality DevelopmentConfidence Building, and other aspects of the job search such as Career CounselingResume WritingLinked Profile Writing and much more. All you have to do is call us at 0919873372726 or 01143022692, 01143022693!!

About the Author

Sundeep Kataria CV MakerSundeep Kataria is the CEO of ACS Consultants – a Management Consulting Firm. He holds multiple qualifications: MBA, PGDIT (IIFT), MS in Counselling & Psychotherapy and Diploma in Company Law. He has also formally learnt Digital Marketing and Website Making.

In 1995 he pioneered the concept of professional Career Counselling, Executive Coaching and Mentoring. Over the years he has mentored many professionals, like CAs, Engineers, Sales & Marketing Professionals, IT Experts etc.

The unique style of Sundeep Kataria is that he connects with each and every individual personally, holds in depth discussion before undertaking the assignment.

Android Smartphone Alternatives to iPhone X

Android Smartphone Alternatives to iPhone XRecently Apple has announced the launching of their latest models of iPhone, which include  the premium iPhone X, iPhone 8 and iPhone 8 Plus. Out of these 3 devices, their flagship phone is iPhone X. This iPhone model has a number of awesome features. At the same time, it does not come cheap at a price of US$ or Rs. 89,000/- and onward. However, if you are and Android fan then you need not need not despair. Some of the high end   phones from reputed android Smartphone manufacturers also boast of excellent features and that too at very competitive prices. Here is researched information about Android Smartphone Alternatives to iPhone X.

Also you may watch the video at the end.

Specifications of the iPhone X

Let us first look at the specifications of the iPhone x

  • Screen Size: 5.8-inch OLED
  • Resolution: 2,436 x 1,125 pixels
  • Processor: 6-core
  • RAM: 3GB
  • Internal Storage: 64/256GB
  • Rear camera: dual 12MP with OIS on both lenses
  • Front Camera: 7MP the

This device is Apple’s most expensive to date, feature wireless charging and an all-glass design. The USD 999 or Rs. 89,000 iPhone X also has an edge-to-edge display with facial recognition and no home button.

The iPhone X also has an edge-to-edge display with facial recognition and no home button. Whereas the 256GB version of the iPhone X starts at USD 1,149 or Rs. 89,000.  This is the most expensive Apple iPhone till date.

Android Smartphone Alternatives to iPhone X

However, there are many interesting smartphones that are giving the iPhone a competition and cost much less. Let us look at top 5 cell phone models which are ready to give iPhone x run for money.

SAMSUNG S8 and S8+


When we think of the Rivals, the first name that comes to mind is Samsung. It is a brand leader worldwide with a big range of android cell phones.

The current flagship phone of the company is the model Samsung Galaxy S8. It is a beautiful smartphone that was launched before apple iPhone x. It has many unique features such as, infinity display, water resistant, fingerprint scanner on the back and facial recognition and the screen slides seamlessly to the side of the phone.  While the iPhone X only has only facial recognition software.

The Galaxy S8’s display is the same size as that of the iPhone X, while the Galaxy S8+’s 6.2-inch screen is slightly bigger. At 2,960 x 1,440, the screens of S 8 and S8+ phones also have a higher resolution than the iPhone X.

Just like Apple’s Siri assistant, Samsung’s S8 galaxy smartphone now has full voice control Bixby virtual assistant.

With the S 8 model, Samsung has left the competition far behind and is probably the best Android phone you can buy.


Starts at US$720 or Rs. 67,900


Android Smartphone Oneplus 5The manufacturers of OnePlus brand have become darling of masses the world by offering top quality and features but at competitive prices. Their latest cellphone is OnePlus 5 and it is unbeatable as far as the combination of hardware, features and performance goes.

OnePlus 5 is powered by a Qualcomm Snapdragon 835 processor, and the company offers two variants — 6GB RAM with 64GB storage or 8GB RAM with 128GB storage. Both models have 3,300mAh battery, dual cameras at the rear – 16MP + 20MP and a 16MP front camera for selfie with f2.0 aperture for a better low-light performance. This cellphone device has dual SIM feature, a 5.5-inch Amoled screen with a resolution of 1,920 x 1,080 pixel and runs on Android 7.1. Besides the manufacturers have included fingerprint scanner, dual band WiFi ac, Bluetooth 5.0, NFC and GPS and much more.

Undoubtedly, OnePlus 5 has become one of the favourite Android smartphones of 2017. Of course, its looks can be mistaken for an iPhone 8 Plus.

Though a powerful and feature loaded smartphone, the battery of OnePlus 5 cab easily last 36 hours.


Starts at US$ 479 or Rs. 33,000


Samsung Galaxy Note 8 Android Smartphone Alternative to iPhone XThere are significantly similar and different features of two great phones. While you can get a Samsung Galaxy Note 8 right away, you may have to wait until November 2017 for iPhone X.

Beginning with biometrics, the Galaxy Note 8 has fingerprint reader, an iris scanner and face detection and any of these can be used to unlock the device. However, the iPhone X offers a 3-D face scanner called Face ID. Apple claims that Face ID is much more secure than Touch ID, giving its 3-D face tech an advantage over Samsung Galaxy Note 8.

While both the phones are waterproof or shall we say spill proof, the iPhone X does not have a headphone jack. Samsung Galaxy Note 8 has a standard jack for repair of wired headphones.

Talking of the camera quality, Apple and Samsung offer some of the best smartphone cameras. The iPhone X now has a new front-facing camera that can take fancy portrait shots, something the Galaxy Note 8 doesn’t offer.

The iPhone X doesn’t come with any sort of stylus whereas Samsung’s Note series includes an S Pen that slides into the phone.


Starts at US$ 930 or Rs.67,900


HTC U11 Android Smartphone Alternative to iPhone XThis flagship phone from HTC features one of the best cameras. For some strange reasons, it sports Dual-LED flash a single 12MP HTC UltraPixel 3 camera at the back. It is a f/1.7 aperture along with OIS for shake-free images and videos. This camera features a f/1.7 aperture along with OIS for shake-free images and videos. There is also a Dual-LED flash, full sensor auto-focus technology.

On the front, the HTC U11 is fitted with a 16MP front camera with f/2.0 aperture.

In comparison, the iPhone X comes with a 7MP TrueDepth front camera with FaceID. Of course, dual camera is useful in creating certain effects like blur, zoom and wide angle pictures.

Now let us talk of hardware of two smartphones. Starting with HTC U11, you get up to to 6GB RAM and 128GB storage, along with 2TB expansion option. In addition to Google Assistant, the HTC U11 comes with HTC’s homegrown HTC Sense Companion for AI support and HTC Edge Sense (Squeezable Frame). In comparison, the iPhone X, rides on iOS 11 platform, has Apple’s A11 Bionic chip, which is a 6-core processor. With 64GB and 256GB storage variants, the iPhone X offers Siri as the default AI companion.


US$ 649 or Rs.44,999


LG G6 Android Smartphone Alternative to iPhone XLG G6 launched in February 2017 is still a great value-for-money smartphone at a price range of $480-$585.

This device has a 5.7-inch IPS display with a resolution of 1440 x 2880 pixels which is higher than the iPhone X. It sports a screen-to-body ratio of approximately 78.6%. It is also a bezel-free smartphone. Other features include wireless charging, two rear-facing cameras: one standard and one wide angle, front has a 5MP selfie shooter. It runs on Android 7.1

LG G6 is powered by Snapdragon 821 chip, and sports 4 GB of RAM, 64 GB storage, to take care of most of your hardware expectations.

The latest is that LG has unveiled LG V 30  as its latest flagship smartphone at IFA 2017.


US$ 480 or Rs. 36,000

What is your choice?

With so many options would still like to buy an Apple iPhone or would consider an andriod smart phone? and which one? Do share your views and experiences in the comments box below.

Hot Career Options In Media Industry

Top Career Options In Media IndustryIf you are a person who is very creative, has excellent communication skills – verbal or written and loves changes then you must look at the career options which the media and communication industry offers today. With the use of technology in the media industry, there are wonderful job opportunities today. These jobs offer excellent salaries and exciting careers. Here is a look at top 5 hot career opportunities in the media industry these days.

In addition, we have also put a nice video in this blog.

Hot Career Options in Media Industry

Let us now see various options.

1. Journalism

If you are hungry for news and stories on one hand and on the other you like to present it to your audience or readers then you are cut out for the role of a journalist. Be it TV, radio, newspaper online media you can be either a part of the team or one Man Army.

You may have to cover everything from politics, sport and business to stock markets, travel and entertainment. If you enjoy variety and challenges then you won’t be disappointed at all.  Of course, you can choose between print, electronic or online media.

Compensation Package

After a degree in Journalism or Mass Communication, the starting salary in India could be about Rs. 10,000 per month and after about 2 years of experience it could go upto Rs. 18,000 to Rs. 25,000 per month.

For more and detailed information about career and salary in the field of Journalism you could either read a detailed article – Careers in Journalism or watch our video below .

Short Video: Careers and Salaries in Journalism

2. Career As Script Writer

Our Career Development tools for you:

Television serials have been getting ever popular. Not only do the viewers like to watch these serials but they are favorite of the advertisers also. There is no TV show, movie or even an ad possible without a good script.

If you love creative writing and storytelling then writing scripts could be your favorite area of work and you can become a script writer. To become a good script writer you should be a good observer and dreamer, and should have the ability to tell the story as per the requirement of the program. The success of any movie or TV show depends on upon how well the script is written.

Compensation Package

It depends completely on you!

You are termed as a fresher in the content writing industry so you can expect a CTC between Rs. 250,00 to Rs. 400,00 p.a. However, with a 2 to 4 years of good and proven work , you can expect in between Rs. 500,00 to Rs. 800,00 p.a.

If you are known as a content master in the industry and you have the potential to handle a team of writers then you can expect between Rs. 900,00 to Rs. 1,500,00 p.a.

3.  Career as Public Relations Professional

Public relations managers are in demand in all media houses, movie production houses, big corporates both in public and private sectors. They are responsible for brand building and effective communication. Public image is important to all organisations and prominent personalities.

Many celebrities, hotels, travel agencies and private consultancy firms also hire PR managers.

The role of a public relations specialist is to correctly use Print and Electronic Media to build an image for the companies or their products and to increase sales and overall business.

Public relations involves monitoring and evaluating public attitudes and maintaining mutual relations and understanding between an organisation and its public, which could include shareholders, government, consumers, employees and the media.

Compensation Package

While the starting salary as a trainee or intern maybe about Rs. 15,000 per month but within a short span of 2 to 3 years, one can hope to reach a figure of Rs. 3.50 Lakhs. While a public relations manager at a responsible position may draw a salary of Rs. 7 to 8 lacs per annum.

In case, you happen to get into your own business of Public Relations Management or be a partner in a PR firm then your earnings could be much higher.

4. Career as Event Management Professional

If you think you have a knack for organizing parties and events without breaking under the pressure, then a career in the Event and Management field would be the right one for you.

The basic job of an event manager is to plan and organise the event in a unique way. The whole thing has to be done from the scratch and it must be presented in a novel way. Therefore it requires planning, a lot of leg work, creativity, budgeting, client management, communication skills and leadership skills. Above all you should have the ability to think out of box.

Compensation Package

As a fresher in this industry, the starting salary would be around rupees 15,000 per month. Of course as the experience and the area of expertise increases you can earn big money. You may even work as an expert freelancer or owner of your own event management company.

5.   Career in the field of Animation

With the popularity of television as well as social media, animation is becoming one of the fastest growing fields for those who love to draw and have a creative bent of mind.

Animation is required anywhere and everywhere in the media industry today. Whether it is reconstruction office scene or up full fledged movie, it is not possible to think of engaging the audience without the use of animation. What is more exciting is a fact that besides the 2D animations we now have 3D animations.

This phone is going to be only getting bigger and bigger eyes the Giants in the animation business will outsource there animation requirements to the Indian companies.

Compensation Package

Animation today is very satisfying and lucrative profession for the youngsters who are creative as well as tech savvy. The starting salary for people with no or little experience could be in the range of Rs. 10000 to Rs. 15000 per month.

In a short span of 3 to 5 years you could touch monthly salary figure of Rs. 40,000

Or even more.

Short Video: 5 Hot Career Options in Media Industry

Dear Reader,

We do hope that you found the information given in this article useful to help you make a perfect career choice. Further given below are links to more useful and related articles:

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About the Author

Sundeep Kataria CV MakerSundeep Kataria is the CEO of ACS Consultants – a Management Consulting Firm. He holds multiple qualifications: MBA, PGDIT (IIFT), MS in Counselling & Psychotherapy and Diploma in Company Law. He has also formally learnt Digital Marketing and Website Making.

In 1995 he pioneered the concept of professional Career Counselling, Executive Coaching and Mentoring. Over the years he has mentored many professionals, like CAs, Engineers, Sales & Marketing Professionals, IT Experts etc.

The unique style of Sundeep Kataria is that he connects with each and every individual personally, holds in depth discussion before undertaking the assignment.

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