Ooty Hotels – Accommodation Options Among the Hills

Ooty is officially known as Ootacamund and it is the queen of all hill stations in India. This place is frequented by visitors throughout the summer and during the Tea and Tourism Festival. If you are planning to go during these two times, you should book your rooms beforehand.

If you’re a budget conscious individual on a leisure holiday trip to Ooty, then there are lots of options to avail.

Destiny, the Farmstay

One of the all time favorites of tourists is the resort Destiny, the Farmstay. This resort is located amidst the lush green fields of Avalanchi.

This eco-friendly resort is the first choice of visitors who want to go pursue adventure sports along the hills. Apart from enjoying the natural beauty and hospitality, you can participate in the recreational activities promoted by the hotel. You can go on agricultural tours, horse riding, mountaineering, rock climbing, or river crossing.

You can choose to stay at spacious rooms which are categorized as Deluxe Rooms and Luxury Rooms. All these rooms are equipped with modern amenities and are lavishly decorated. The multi cuisine restaurant operating at the hotel serves dishes from South Indian, North Indian, Continental and Chinese cuisines. If you happen to alight at Ooty Railway Station, then it’s just a distance of 20 km from there to the hotel. If you alight at Coimbatore, you will have to travel 80 km to reach Destiny.

Holiday Inn Gem Park

Holiday Inn Gem Park in Ooty is another crowd favorite amongst hotels in Ooty, which is frequented by many travelers who are on constrained budgets. The Holiday Inn Gem Park is located in the middle of the Dodabetta Valley. Tourists often get carried away by its outstanding surroundings, warm hospitality and relaxed ambiance.

Holiday Inn Gem Park is one of the rare Ooty hotels where the accommodation is provided through 95 luxurious rooms. Depending on the importance of your visit, you can choose to stay at Executive Level Clubs, Guest Rooms or Suites. All these suites are equipped with contemporary amenities. Apart from this, you can choose to dine at any one of the two cafes that the hotel houses.

Toda Café is a multi-cuisine restaurant which operates on a 24/7 basis and serves various dishes from Mughlai, South Indian and Continental cuisines. If you crave for authentic Chinese dishes, it is always advisable to visit the restaurant ‘Jade Garden’. If you are in the mood to down a couple of drinks, you can head to the hotel bar, popularly known as The Valley Bar. You can enjoy your drinks while nibbling at some hot and spicy snacks in this place.

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Seniors Beware, Health and Fitness Equals Great Sex

Having a great sex life by adults over 60 is largely dependent on health and lifestyle. Their children and grandchildren are having a hard time getting used to the facts of life, that their aging parents or grandparents might still be enjoying sex. The baby boomers that are actually the original ‘flower children’ started the sexual revolution over 40 years ago. For a lot of them who are over 60, the revolution is still goin’ strong ‘though it is an undeniable fact more than a few of them are experiencing problems in getting the va-va-vroom back in the old engine.

Sexual arousal doesn’t die when a person gets older. Aging is simply a period in life. It does not mean that a person becomes physically or sexually unappealing nor does it mean you become less interested in sex as you age.

According to a recent study, the number of seniors in their 70′s who are sexually active – and are bragging about it being great sex – is increasing. Also, older women are indicating being satisfied with their sex lives. There’s an increase in the number of these women who are reporting having an orgasm during sex and a decrease in the number who report not having an orgasm. There also is a general increase in the number of women who are reporting high sexual satisfaction. Though not as many women are reporting low satisfaction with their sex lives, it is a different situation for men – there has been an increase in the number of men who are reporting not being satisfied. Probably, this is due to the new idea of men accepting responsibility for sexual failure instead of blaming the opposite sex, according to the authors.

The coverage by the media of retired baby-boomers and their older cousins paint a picture of seniors that are a homogeneous group who jump into bed and ‘hook-up’ with great abandon. Sex is now a Fountain of Youth. In fact, the diversity in sexual interest and activity in the over 65 crowds is as diverse as the individuals who are part of that group. It is evident that the later years can be a time of relief since there are no children hiding in nearby bedrooms, and you don’t have to worry about jumping up early in the A.M. to head for work. For many of us, this is a time we are free to explore sexual expression in ways never before realized. A time to cast away the societal expectations of earlier years. For others, they no longer worry about sexual performance, and seek other forms of companionship and sharing.

Regarding health, one fascinating recent study found that older men having more than two orgasms per week have a lower mortality rate. Of course, these numbers demonstrate a correlation between sex and longevity; the numbers do not show that sex prolongs life. More than likely, the answer is that older people who are well enough to engage in sexual activity are more than likely also healthier in general. But I believe that sexual activity can be and is physically, intellectually, and even spiritually fulfilling. Also, it’s considered a good form of exercise, and it can stimulate the brain and promote good mental function.

Today’s older adults are active, on the go and still doing many of the things they enjoyed in their younger years, a healthy sexual relationship can positively affect all aspects of your life, including your physical health and self-esteem.

You might get the idea from movies and TV that sex is only for younger adults, but that’s not true. Man’s need for intimacy is ageless. Humans never outgrow the need for affection, emotional closeness and intimate love and they never will. People still have their sexual fantasies and desires into their 80s and 90s.

It’s true that sex in the 70′s and 80′s is not the same as in the 20s, but it can be as fulfilling and as enjoyable. Understanding the changes your bodies are going through will help you prepare for the challenges you’ll face. These changes can affect sexual relationships. The physical changes are the most often discussed, but psychological issues must also be considered. Testosterone regulates the sex drive in both men and women. The good news is, most aging men and women produce the testosterone levels required to maintain their interest in sex. Some changes that occur in your body may make some aspects of sex more difficult; with these changes you will have a reason to try new positions and techniques.

Here’s news you can use! A study at the University of Michigan in Ann Arbor has found that caffeine may hold the secret to a better sex life for seniors. They found that among married men, 59% that didn’t drink coffee had trouble getting it up when needed while only 36% of the same group who did drink coffee reported similar problems. Of course, this correlation between coffee and sex might just be a statistic. The group that chooses to drink coffee might just be healthier overall.

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Improve Your Poor Credit Score and Secure Yourself a Loan

So you are thinking of getting some extra money to make some urgent home repairs, the porch door needs replacing, along with a new hot water system. Unfortunately you do not have the money in the bank, but neither do you have a secure porch door or any constant hot water.

Have you considered personal loans? A lot of people take out personal loans for this type of repair. Car repairs and even holidays are used by people with their newly acquired finances. Most people have heard that a poor credit score is not a good thing (However even those that have a poor financial history can still get loans). But how do you make a good rating?

One of thing major pieces of advice from experts, before you apply for finance it is best to get a credit report completed from a reputable source. This will give you an idea of the chance of getting your application approved. In the United States of America there are three levels of credit rating, basically the higher it is the better it is.

An excellent rating is above 760, a good rating would be between 700 and 759 and a poor rating would be between 640 to 699. if you are at the top end, 760 and above then there is no point in making your rating any better. However with other ratings it is worth trying to improve as it will help your chances of succeeding in the application.

There does seem to be a bit of a chicken and egg situation sometimes, you need finance but have a poor score,but to improve you need a lender to give you a chance. Well, luckily there are things that you and your family if you have one, can do to improve your rating.

Having a poor rating does not mean you have to be stuck with it, starting to pay the bills on time instead of late or not at all will start to get you on the right path. Some lenders will still give applicants loans even with a low score, but the total given will be lower than usually and the percentage rate will be considerably higher. So you will pay more over the period of the finance.

Families can help too. If a member of your family has a good rating then some credit card companies can add you to that family members credit card as an authorized user, this will help with any poor credit score. Also having a family member with a good rating co-sign the loan could help you get what you need.

Finding the correct lender for your score is a good way to make sure that you are getting what you deserve, if you have a high score you deserve some of the best deals on the market. Instead of going to your bank or card company you can go online and search for a matching company. Companies like this are a good place go to make sure you achieve the best deal.

What are a matching company and what do they do? You enter your details on their online program and your information will be fed to several of their approved lenders, in turn the lenders will then return to the matching company with a list of loans that they are able to offer.

Once the offers come back it is then up to the applicant to choose one and complete all the necessary paperwork. A check will then be received within a matter of days and your new boiler and door fitted soon after.

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Payment Options for Shopping All the Way

Everyone is busy. Busy in shopping online and in the malls. Popular online portals are breaking and making new sale records! All thanks to the convenience and the availability of easy payment options and funds!

Here are few of the factors that are making online businesses a success

Credit Cards: A credit card is plastic money. It is one of the easiest form in which a person gets a personal loan.

All online portals as well as retailers in malls accept credit cards issued by various banks.
Online payment becomes very simple and safe, thanks to the one time passwords generated for such transactions.
A PIN is sufficient for shopping using a credit card at any retail store.

Personal loans for shopping: When we apply for a personal loan, we don’t have to provide the financier with the details of what we want the loan for.

Thus these days’ personal loans are being used to finance shopping.
They can also be used as wedding loans, vacation loans and educational loans.

Payment Processing: As far as payment processing is concerned, the following factors matter to both the consumer and the online retailer.

Uncomplicated manoeuvring on website: It is important for the payment process to be step-by-step and easy to understand. Most websites work on this section very carefully and thus the online shopping experience is satisfactory.

Processing Costs: Processing costs matter to the retailers. More the processing fees they have to pay to providers of payment gateways like Visa, the lesser are their margins. So to have an effective business the processing costs need to be low.
Number of payment options: Multiple payment options should be available for the customer to make payment. This makes the shopping a convenient proposition.
Time taken to process transactions: Processing time not only tests your patience but sometimes also the strength of your internet connection!

Cash on Delivery: This is also known as “collection on delivery.” This is a very popular mode of making payments for shopping in the developing world.

It enhances impulse purchases.
A credit card is not an essential possession for the buyer.
The buyer can check the quality of the product and then pay

So this festive season, do not hesitate to shop and to gift! The availability of funds for shopping is not difficult anymore. Also the convenience of online shopping has brought various retailers to our doorstep. So let us shop all the way!

An easy way of shopping is using a credit card. It forms an integral part of most people’s financial planning. When used in the right manner, it helps reduce financial liability and optimizes financial resources.

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Are Online Personal Loans Good For People With Bad Credit?

While the rise of online lending in itself makes it more convenient for people to apply for finance, is this development a good thing for those who are already struggling? There are companies out there who charge expensive annual percentage rates (APRs), leaving many people in more trouble than when they first started.

But it doesn’t have to be this way. Over the last few years, online lending has earned itself a bad reputation. The internet leaves many people vulnerable to fraud, so you should always exercise caution when inputting your financial details. The best way to make sure your information remains safe is to find a secure, reliable lending platform.

There is an unfair irony attached to lending today. Those with bad credit are often led to believe they have no financial options if they have made mistakes in the past, often making their situations seem more desperate than they actually are. This can result in people making bad decisions and can lead to borrowing through unstable sources.

Meanwhile, any lenders that do accept you with bad credit will charge extortionate interest rates because of your history, making it more difficult for you to meet your monthly repayment obligations – thus worsening your situation. This is a trap that many people fall into, and it gives online installment lenders a bad name.

However, this doesn’t need to be the case. If you can find yourself a reliable lending platform, you will be connected to a secure network of trustworthy lenders who can offer sensible solutions to your borrowing needs. Many of these lenders will assess your application, even if your credit file isn’t perfect or your income is lower than average.

Instead of (or in some cases, as well as) running credit checks, these lenders will take other factors into consideration, including your income and employment circumstances, and how long you have lived at your current address. They may even ask for references they can contact who will vouch for your character personally.

Even those who receive benefits as a form of income will be able to apply, giving everyone a fair and carefully considered chance of borrowing money. In these cases, applicants won’t be accepted for higher loans than they can afford to pay back, and interest rates will be low, meaning there is a better chance of managing repayments.

If you have poor credit and need to borrow money, consider a personal installment loan, but make sure the APR is advertised between 5.99% and 35.99%. There should also be a number of options in terms of flexible repayment, offering you the chance to pay the money back anywhere between six months and six years, depending on what you can afford to pay per month.

Small, carefully considered personal loans could actually help you build a financial profile making you eligible for better future borrowing. As long as the lender is responsible, and offers reasonable interest rates, online lending platforms can actually give people with more opportunities than many other lenders in terms of improving their situation.

With this in mind, personal loans can be beneficial to those hoping to improve their credit score, but only if some caution is exercised by both parties, and you only apply to borrow an amount you can afford to pay back.

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Five Reasons for Refusal of a Personal Loan

Don’t you wish personal finance were a mandatory course in college? Unfortunately, too many of us learn by mistake. When you need a personal loan and are rejected, you might be baffled as to what went wrong- and how to fix it. Here are some clues.

NO CREDIT

No credit is a situation where you have never used credit and therefore have no credit history for the bank to review. They have no way of making an educated decision on whether or not you will pay back a personal loan based on your credit history. No credit is worse than bad credit. Qualifying for and making regular payments on these types of introductory forms of credit can overcome a “no credit” score:

· Student Loans

· Secured credit card (includes a down payment amount)

· Being added to a parent’s or spouses good credit: card, car loan, etc.

LOW CREDIT

Low credit takes on several forms. If you’re using more than 30% of your allowable debt, it can negatively impact your score. Too many inquiries from shopping around for loans will also hit you hard. Lapses in payment, defaults, or bankruptcies are giant red flags and can take a long time to rebuild from.

Other things that lenders may look at are whether or not you have sizeable assets should you default on the loan. They also check to see if your debts are diversified or if you are only carrying one type of debt.

INCOME

Proof of income is generally required when applying for a personal loan. If you are unemployed or underemployed, it can work against you in the loan approval process. Lenders may also require a work history to see how long you have been with your current employer, and to determine if you typically have job stability. Frequent job loss or change will tell a creditor that your payments may not be reliable.

PURPOSE OF THE LOAN

Believe it or not, your application can be rejected due to your proposed purpose for the loan. Financial institutions have the right to set up the parameters surrounding their disbursements and can accept or reject your application based on what you want to use the money for.

BLACKLISTING

If you’ve defaulted on debt before, your name may be put on a list of whom not to loan to,’ also known as a “Blacklist.” This will follow you around for a long time and is difficult to erase. If you do resolve the debt issues, get documents to prove the resolution.

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How Can A Personal Loan Improve Your Credit Score?

When it comes to a personal loan, you have to first learn to use it responsibly. Because if you miss a repayment, your credit score will be impacted adversely. And remember, that a credit score is an indicator of how well you manage your personal finances. Also, it plays a defining role when you apply for any kind of loan – secured and unsecured. It is suggested to apply for a loan slightly larger than what is needed so that you will be assured to have enough money to pay all bills necessary and still have some money left over to ensure that your bank account stays current.

A credit score can be defined as a number which reflects the financial situation of a person. If the person is well-off when it comes to financial matters, then he or she is said to have a high credit score. On the other hand, if a person is the exact opposite of this, then they possess a low credit score. There are a lot of factors that are considered by financial institutions for the purpose of evaluating a person’s credit score – usually, the credit scores of people vary from 300 to about 850.

A personal loan is a type of loan that is given by digital lenders, banks and credit unions to aid you in your plans, be it starting a small business, or making a big purchase. Personal loans tend to have an interest rate(s) lower than the credit cards; however, they can also be put to use for combining several credit card debts together into one monthly lower-cost payment.

Now, your credit score is built by keeping in mind various parameters from your credit reports. These reports serve the purpose of trailing your history of utilization of the credit across the duration of seven years. These credit reports are comprised of information, including how much credit you have utilized to date, the type of credit in your possession, the age of one’s credit accounts, whether one has put in for bankruptcy or liens filed against them, actions of debt collections taken against them, one’s total open lines of credit as well as recent inquiries for hard credit.

Like any other type of credit, personal loans are very capable of affecting your credit score. This can be done through the process of applying and withdrawing a personal loan. If you are curious as to how personal loans can end up affecting your credit, then read on to find out more about the context. There are many ways in which your credit can be affected by personal loans and some of them are listed below:

The ratio of your debt-to-income and loan

Debt-to-income ratio is considered to be the measure of your amount of income that you spend on the debt repayments. In the case of lenders, the amount of income that you receive is said to be one of the major factors proving that you are able to repay your loan.

Some of the lenders have come up with their own debt-to-income ratio so that their proprietary credit scores may make use of it in the form of a credit consideration. Do not fall into the kind of mindset that possessing a high amount of a loan would hurt your credit. The most damage it can do is raise the ratio of your debt-to-income so that you won’t be able to apply for loans anymore without it getting rejected or denied.

Paying loans on time will make credit scores soar

The moment your loan is approved, you have to make sure that you settle the payments of each month on time and in full. Delay in repayment may significantly impact the state of your credit score. However, on the other hand, if you make the payments on time every month, then your credit score will soar high, leading to an overall good score. This will not only make your name to the preferred borrower’s list, but it will prove to be beneficial for you in the long run.

Since your payment history is comprised of almost 35% of your credit score, paying loans on time is essential in cases like these so that your credit score can maintain a positive status.

Variety is built into your credit type

There are about five factors that are responsible for determining your credit score. These are composed of the payment history, the length of the credit history, the utilization ratio of the credit, the credit mix and new inquiries of the credit in accordance with FICO®.

The credit mix only accounts for about 35% of your total credit score, whereas when it comes to a personal loan you can have a varying mix of the credit types. This mix of all types of credit is viewed at a high level of approval by the creditors and lenders.

Origination fee charged by loans

Most of the lenders end up charging you an origination fee. This fee cannot be avoided at any cost and is instantly taken off from the amount of the loan payment. The amount of origination fees depends upon the amount of the loan you are about to borrow. Late payments can lead to an overdraft of fees and late expenses. Therefore, make sure that you pay complete repayment for each month before the deadline.

Avoiding penalties when it comes to payments

Some of the credit lenders tend to charge an additional fee if you end up paying your part of the loan earlier than the agreed date. This is because they are looking for moderate amounts of interest on your loan. Now, seeing that you have paid off your part of the loan before time, they will miss out on that interest that they could have possibly made if you had not cleared the debt soon enough before the deadline.

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