December, 2022 - Marketers Now - Advice on Home Buying

How to Make Online Payments for CESC Electricity Bills After Due Date

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Electricity bill payments received after the due date are subject to late fees, penalties, and service interruptions, as it is a standard policy. Late payments do not absolve the defaulting customer of the consequences. You might experience suspension of electricity supply by the terms and conditions for late payment. For a swift Calcutta Electric Supply Corporation (CESC) online, you can carry out transactions via Airtel Payments Bank. This will help you avoid additional delays and charges on your bill. So let’s look at how to make your CESC bill payment online after it has passed its due date.

How to make your CESC bill payment online after it has passed the due date?

The majority of fees will be added to your subsequent electricity bill if you pay fines after the due date. However, if you recently paid it, late fees might still be automatically applied due to payment systems. However, a late fee is set by electricity operators, so you might not have to guess how much you’ll have to pay.

The steps listed below will help you understand how to pay your CESC bill after the due date with Airtel Payments Bank.

CESC bill payment via the Airtel website

Go to the Airtel website and sign in to your account.
On the homepage, click on “Electricity bill.”
Enter West Bengal as your UT/state.
Choose CESC as your biller.
Enter your customer ID.
Fill in your Billing Unit (BU).
Check the status of your electricity bill, and click “Fetch Bill.”
An OTP (One-time password) will be sent to your registered mobile number.
Enter the OTP and continue with the bill payment.

CESC bill payment via Airtel Thanks App

Navigate to the Payments Bank Section in your Airtel Thanks App.
Select ‘Electricity Bill.’
Choose West Bengal as your UT/state.
Pick CESC as your operator.
Enter your CA number as it appears on your bill.
Proceed with the payment by clicking on Pay Now.

How to Check CESC Bill Details Online?

You can view the details of your bill on Airtel Payments Bank. To check your CESC bill online, follow these steps:

Go to the website.
Navigate to the Airtel Payments Bank section.
Select “Electricity Bill” from the menu.
Fill in your consumer and biller number.
Enter your billing unit.
Tap “Fetch Bill.

On the left side of the screen are the details of your CESC bill, and on the right are the available payment options. This is another way to make your CESC bill payment online.

How to view and download the CESC bill online?

With the Airtel Thanks App or the Airtel website, you can easily download your CESC bill as a reference or to keep a record. To get started, follow these steps.

Log in to your Airtel account.
Choose West Bengal as your home state.
Select CESC to be your biller.
To view a CESC bill, select “Fetch Bill.”

The app allows you to check your CESC bill history and download your CESC bills. It only takes a single click to download and view your bill.

What is Experian Credit Score and How is Is Different from CIBIL Score?

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Loan apps and credit cards have made financing easier than ever. Today, you can easily avail instant cash through a loan app or make new purchases using a credit card. But to conduct these borrowing and lending in a safe environment, lenders rely on the credit bureaus to give a detailed insight on your credit behaviour. These credit bureaus maintain a detailed record of your borrowing history, a record of your repayment behaviour, missed instalments, closure of old loans, details of your credit card usage and more. Based on all these details, the credit bureaus assign you a credit score ranging from 300 to 900. This score plays a very important role when you apply for unsecured loans like an instant loan.

There are four major credit bureaus in India – CIBIL, Equifax, Experian, and CRIF High Mark. The score assigned by Experian is called as Experian Credit score and the score assigned by the CIBIL is called a CIBIL score.

About Experian and CIBIL

A popular CIC in India, Experian is a Securities and Exchange Board of India approved credit bureau. It is the first company to receive its CIC license under the Credit Information Companies Regulation Act (CICRA) 2005. The CIC assigns credit score to both individuals as well as organisations based on their credit history records that it collects from across institutions.

Now, while Experian received its first CIC status under the mentioned Act of 2005, CIBIL is the first credit bureau in India. It is one of the most widely used credit bureaus for the purpose of accessing credit score of individuals as well as businesses. With credit records collected and maintained for over a 1,000 million customers, including businesses and individuals, TarnsUnion CIBIL is also the most recognised one in India.

The Experian and CIBIL Credit Score – A Common Ground

Before moving into the differences between the two bureaus, you must know the common points. The most important aspect is that the credit score issued by both the CICs span between the same range of 300 and 900. Also, the suitable credit score range for borrowing remains between 700 and 900 for both.

When availing a loan through a loan app a minimum score is not mandatory, but a high score from either bureau works in your favour. For borrower understanding, it is crucial to know that most popular loan apps rely on CIBIL for this score, especially for individual borrowings, as it is the widely accepted bureau.

Know How Experian Credit Score Differs from a CIBIL Score

Object of credit score issue

The CIBIL score is issued with the objective of determining the repayment capacity of the borrower. Alternatively, Experian issues the score for financial position determination of the entity. This objective also impacts their overall acceptability in the Indian context of lending and borrowing. For instance, you may thus find lending platforms like loan apps that rely on CIBIL score for determining your repayment capacity.

Calculating parameters

Even though the score ranges issued by the two bureaus are the same, the parameters they use for score calculation differ. Experian relies on the likes of loan record, current credit information transactions, account balances, etc., to determine the score. For CIBIL, these parameters vary across debt to income ration, credit utilisation ratio, credit mix availed, repayment history, and past repayment defaults to compute the score.

Acceptability

Given that CIBIL has its origin in India even though backed by the American company TransUnion, it is widely accepted as a CIC here. It was also the first CIC of India and has most financial institutions as its members. Contrarily, the exposure of Experian at this scale is missing, thus restricting its acceptability.

RBI approval

Credit score from CIBIL has also received the RBI approval for the purpose of assessing borrowing profiles. The Experian score has not received any such approval.

Conclusion

CIBIL score as well as Experian score are both credit scores assigned by these credit bureaus that help lenders assess the risk associated with your loan application. Though most of the parameters that both bureaus rely on to calculate the credit score are same, there are a few striking differences.

CIBIL uses the Empirical method to calculate your credit score, while Experian uses the FIFO technique to calculate the credit score. National institutes rely on the CIBIL score to take lending decisions, while, many global financial institutes rely on the Experian score.

Despite the differences, both CIBIL score and Experian score have distinct roles to offer for lenders as well as borrowers. Many lenders consider both the scores, or take an average of both the scores to analyse the risk associated with your credit profile.

How to Quickly Find a House in Today’s Real Estate Market

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With the current state of the real estate market, finding a house can be an intimidating and overwhelming process. Whether you are looking to buy or rent, it is important to have a plan and strategy in place to help you find a house quickly{trouver une maison rapidement} and efficiently. Let’s take a look at some of the best ways to do just that.

Do Your Research

Before you even start your search for a new home, it is important to understand what type of property you are looking for. What kind of budget do you have? What neighborhoods are you considering? Are there any amenities that are important for you or your family? Once you have done your research about different types of homes, neighborhoods, and markets, it will be much easier for you to narrow down your search.

Utilize Technology

There are many great resources available today that can help make your house search faster and more efficient. Start by searching online with numerous websites which offer up-to-date listing information on properties in various areas. You can also use apps that allow you to search for homes right from your phone. These tools make it easy to find houses within your desired criteria quickly and conveniently.

Leverage Local Resources

While online resources may provide good information about houses in certain areas, there is no substitute for local knowledge when it comes to finding a house quickly. Talk to friends and family who live in the area or contact local real estate agents who may be able to provide helpful insight into the local market. They can also point out properties that may not appear on traditional listings sites but could still be great options for what you’re looking for.

Get Professional Help

Having an experienced real estate agent on your side can also be beneficial during your home-buying process. A good real estate agent will know all about the local market and will be able to guide you through the entire process from start to finish—from finding potential properties all the way through closing on your dream home.

To sum up

Finding a house in today’s real estate market doesn’t have to be stressful or time consuming if you follow these tips! Doing research ahead of time, utilizing technology, leveraging local resources, and getting professional help are all key components of a successful house search that can help ensure that you find exactly what you are looking for quickly and efficiently. Good luck!

How to Make Your Shoes Smell Nicer

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Since our shoes house our feet, which have more sweat glands than any other part of our bodies, it is not hard to see why there may be times when said shoes become hot and moist. This is especially so if they have been worn for prolonged periods of time or when the wearer is taking part in activities that would make them sweat more, such as running, dancing, or hiking.

Unfortunately, one of the side effects of sweaty feet is a buildup of bacteria. Bacteria breed in dark, warm, moist environments. When this bacteria mixes with sweat, it can result in an acid byproduct that does not smell particularly nice.

So, while there is nothing that can be done about sweaty feet, there are things that can be done to prevent them from smelling bad. Here are just a few ideas:

Don’t Wear Your Shoes Every Day

We all have a favorite pair of shoes but if you are wearing the same shoes every single day, chances are they are not getting a chance to air out and dry. The longer your shoes stay warm and damp, the more bacteria will spread and the higher the chances of the shoes becoming stinky.

Clean Your Shoes Regularly

You should also get into the habit of cleaning your shoes regularly. Some shoes can be put on a cool wash in the machine, but others will need to be hand washed only. Whatever the recommendations are for cleaning the exterior of the shoe, you should give the inside a good clean with a cloth and some warm soapy water. Dip the cloth in the water and give it a good squeeze. You can then use it to get right inside the shoe. Allow it to dry and then sprinkle some baking soda inside. Leave this in for a couple of hours before removing by shaking out.

Some people like to spray their shoes with white vinegar after removing the baking soda. If doing this, the shoes should be allowed to dry fully before being worn again. Alternatively, you could use a shoe odor spray such as those made by ShoeFresh. These commercial sprays are designed to eliminate odors for up to three months.

Other Ways to Make Your Shoes Smell Nice

Essential oils are a terrific way to make your shoes smell nicer. Just put a couple of drops of your favorite scent on to cotton balls and put them in your shoes overnight. However, do not just try to mask the bad smell with a scent you like. You do need to clean the shoes first, and you should still avoid wearing your shoes every day.

You could also try different methods to make your shoes smell good. Some people like to place bars of soap inside their shoes while others will use tumble dryer sheets.

If you prefer your shoes not to have any smell at all, try charcoal briquettes or soda crystals in them. Just remember to remove these before you put your feet in!

Conclusion

Shoes can often become smelly, and this is typically caused by a buildup of bacteria combined with sweat. When shoes do not get a chance to air, bacteria can grow in the damp, warm environment. Over time, this produces a strong, unpleasant smell.

To prevent shoes from becoming smelly, you should avoid wearing them every day and get into the habit of cleaning them regularly. You can then use products such as shoe deodorizers, essential oils, bars of soap, or baking soda to make them smell nicer.

What is a broadcaster bouquet?

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Gone are the days when television viewing was only limited to a select few channels. Today, you’ve got a huge array of channel packs to choose from. For example, the sports pack is meant for all the sports aficionados in your house, the movie channels for all the movie buffs and the list goes on. While the choice of content can depend on age groups, personal choices and more, there is no doubt that choosing the perfect channel pack is important for you (and everyone else in your home).

When you pick a channel pack for your DTH connection, you ideally look across a variety of channel packs. Now, amongst these channel packs, you will come across a variety of broadcasters too. Want to go the a la carte channels way? That could be expensive too. However, in the case of a broadcaster bouquet, you will get the same set of channels by the similar broadcaster.

Here’s an example for you to understand how the concept of broadcaster bouquet works. Let us take the example of sports channels for now. Now, in a single Sports Channel Pack, you will find a variety of broadcasters, such as DD sports, Ten Sports, Star Sports and more. However, if you choose broadcast bouquet plan from Star Sports, you will get the whole package of Star Sports channels, under one single channel pack. Therefore, if you are someone who wants to enjoy everything related to Star Sports under one umbrella, then a broadcaster bouquet pack is the perfect option for you.

Which is the best DTH connection to get a broadcast bouquet?

If you are looking for the best DTH plans in the market, then you will obviously come across a variety of DTH service providers. However, finding the best DTH plans isn’t easy, since there are a lot of service providers who promise a lot. But regardless of the high promises that they make, it’s not always possible for them to provide the best services.

If you are looking for an ideal DTH connection for your home, then these are some of the things that you should remember:

Your DTH connection should have broadcast bouquet plans in it.
There should not be any disturbances when you are watching content on your TV. Essentially, a connection upon which you can rely on.
DTH recharge should be easy too. It would be quite uncomfortable if you have a DTH connection, but you cannot get the monthly packs recharged easily.
You should also look for additional features, such as record & play, wide selection of channels and lots more.

Get an Android box

We would also suggest getting an Android smart set top box. Once you get a smart TV box for yourself, the entire TV experience gets transformed, and for the better. You get plenty of Android TV features, built in Google Chromecast, 4K picture quality, access apps on Google Play Store, stream OTT on your TV and more. All the smart TV features, without spending the same amount of money.

All these sound great to you? We suggest you look at the Airtel DTH recharge plans. They have a wide variety of channel packs, broadcast bouquet packs and lots more. Basically, everything that you would need from a reliable DTH connection.