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Money & Market

Higher Discounts Proposed on Gold in India as the Prices Rise



gold price

Discounts rose to about $22 an ounce over authentic prices from $18 a week ago, Reuters announced. 

Sellers offered higher discounts on gold this week in India when contrasted with the earlier week as demands kept on staying frail in the nation in the midst of taking off prices.

Local prices in India incorporate 12.5% import obligation and 3% GST. The nation imports the majority of its gold necessity. Diamond setters said that even as stores have continued tasks, retail demands stay feeble because of more significant expenses and coronavirus emergency. 

In India, gold fates hit a record of ₹48,982 per 10 gram on Wednesday, before consummation the week at ₹48,050. In spite of frail jewellery demands in numerous pieces of the world due to the coronavirus emergency and taking off prices, spot gold in worldwide markets has risen 17% in 2020, finishing off the second quarter with the biggest meeting in over four years. 

Investigators state that demand from gold ETFs has flooded as stresses over the financial viewpoint, negative real rates and cash corruption after monstrous worldwide upgrade estimates drove asylum looking for speculators into gold. 

All out property of physical gold in ETFs have ascended by in excess of 600 tons this year, as per information ordered by Bloomberg. 

Worldwide spot gold prices hit a close to eight-year pinnacle of $1,788.96 this week. 

India’s gold imports plunged 86% year-on-year in June because of record significant expenses, Reuters announced referring to sources.

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Money & Market

What Are the Actual Odds of Winning the Lottery?

There are lots of people who would like to win the lottery; however, what are the true odds of hitting it big in the lottery?




There are countless people who dream of hitting it big by winning the NY lottery. At the same time, many people are wondering what their actual chances of winning a lottery are. After all, this is going to play a major role in helping people inform whether or not they should actually play. The actual answer to this question is a bit nuanced.

First, it is important to note that there is usually more than one prize in the lottery. Yes, there’s only one person who is going to win the jackpot; however, most lotteries are going to provide a number of smaller prizes as well. Therefore, people have a chance of winning not only the jackpot but also numerous other smaller prizes. Even if someone is not able to walk away with hundreds of millions of dollars, they may still walk away with a large amount of money.

Second, it is also important to highlight the fact that the odds of winning the lottery are going to change depending on how many people play it. If more people play the lottery, then there are more people competing for the same prizes. As a result, the chances of winning are going to go down. At the same time, when more people play the lottery, the size of the jackpot also goes up. There is a trade-off that has to be highlighted.

Finally, it is time to take a look at the true odds. There are lots of different lotteries out there and each of them has different odds. For example, the chances of winning a lottery, such as the Mega Millions, might be about one and three hundred billion. On the other hand, the chances of winning the Powerball jackpot might be different. This is because these lotteries have different ways of determining winners, different numbers of prizes, and different numbers of people playing them. It is important to take all of these factors into account when calculating the odds of winning the lottery.

For those who are asking what the odds are of winning the lottery, the answer is that the chances are slim to none. At the same time, it is impossible to win the lottery unless someone actually plays. Therefore, it is a good idea to think about the size of the prize, the number of people who are playing, the chance to win smaller prizes, and some of the other factors that are going to play a role in the odds of someone actually winning the lottery.

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Money & Market

How to register a Rent Agreement?



Rent Agreement

Paying stamp duty for a rent agreement

  • Rental agreement less than one year

A tenant who has set up for less than a year needs to pay a stamp duty that amounts to 2% of the annual rent. 

  • Rental agreement between one and five years 

A tenant who has set up for less than five years needs to pay a stamp duty that amounts to 2% of three times the average of the annual rent. 

  • Rental agreement between six and ten years 

A tenant who has set up for less than ten years needs to pay a stamp duty that amounts to 2% of four times the average of the annual rent. 

  • Rental agreement between eleven and twenty years 

A tenant who has set up for less than twenty years needs to pay a stamp duty that amounts to 2% of five times the average of the annual rent. 

  • Rental agreement beyond years 

A tenant who has set up for more than twenty years needs to pay a stamp duty that amounts to 2% of five times the average of the annual rent. 

Note: You can go for Rent Agreement Online to make the process hassle

          free and get professional assistance.

What is the significance of the Registration Process of the rental agreement?

It is mandatory to register Rental agreements for more than one year. Someone should notarize the rental agreement that is less than one year. It requires you to pay for the stamp duty. It is credible. 

Step-by-step instructions for registering a rental agreement are as follows: 

· Initially, you need to outline a rental agreement with all the clauses that include the elements related to the rent (that you will pay) and the security deposit. 

· Once it gets completed, you will get a rental agreement printed on a stamp paper of a specific value.

· The landlord and the tenant need to sign at assigned places on the document.

· Apart from this, the signatures of two other people are required not related to the tenant or the landlord. 

· It needs the owner and also the tenant to be physically present at the registrar workplace of their sub localities. 

· Both the parties and the witnesses need to carry their Identity proofs and a passport-sized photo for validation.

· Government authority does not permit a third party to register the rental agreement. 

· The registration process completes as you pay the stamp duty. 

What are the registration charges of the rental agreement?

Typically, an amount of Rs 1100 is optimal and is required to be paid as the registration charges of the rent agreement. The registration charges are mandatory in the rental agreement Noida to pay regardless of the rental amount or property value. Including stamp duty charges are also applicable in these registration charges. 

Documents required for the rent agreement registration

  • The original document of ownership proof
  • Bring a copy of ownership
  • Two passport size photographs
  • ID proof (Voter card or adhar card)
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Money & Market

NYC on a Shoestring: 5 of the Best Places to Shop in NYC on a Budget



You’ve made it to New York City and you’re ready to shop. You open your wallet and all you see is that pricy airline ticket and a few bats flying out.


Never fear, people of all walks of life shop and thrive in the Big Apple. Let’s dive into the best places to shop in NYC on a budget.

1. Empire Outlets, Staten Island

Times Square is a marvel, but not your best bet for finding budget-friendly shopping. A great alternative is Empire Outlets, in Woodbury Commons on Staten Island.

You’ll need to take a free ferry from Manhattan to get to Staten Island. Once you do, you’ll be greeted with a ton of options. You’ll have access to local boutiques as well as staples like Old Navy and Levi’s.

2. Asian Inspired Designs – Flushing, Queens

This is another one that will take you out of the heart of the city, but it is worth it.

Main Street offers a ton of shops boasting the latest Asian styles. Almost every single storefront has cute outfits and accessories that feel inspired and unique.

Like the size of your budget, most of the clothes here run small. Don’t be afraid to pick up a larger size if you love something.

3. INA: Budget Designer Brands, Multiple Locations, Manhattan

Here’s a local classic that’s been around since 1993. There are currently three locations but the 21 Prince Street location has shopping for men right next door.

Locals love INA because they regularly have designer brands (we’re talking BALLY, Chanel, and more) for bargain prices. Who wouldn’t want that?

INA is a New York start-up success story, and if you have a business of your own, there are ready-to-use paycheck stub templates that can help you get off on the right foot.

4. Housing Works Bookstore Cafe, Manhattan

One of the coolest bookstores in the city is also one of the best for bargain finds. Better yet, their mission is to create a healing community for those affected by HIV/AIDS and homelessness.

Whether you’re looking to get a cup of coffee or want a new book for crazy low prices, this is a great place to go.

5. The Classic Thrift Stores, All Over NYC

Yes, these are your St. Vincent’s, Goodwill’s, Salvation Army’s, and so on. Why go to any of these over the other places?

Simple. Name recognition in the Big Apple.

Residents from all walks of life know these places and donate there, meaning you can find some radiant gems at mind-boggling prices. 

Tech Bonus!: P.C. Richard & Son, Manhattan

While you’re likely going to head to the Apple store, you’re not going to find anything there resembling a bargain. P.C. Richard and Son is the largest family-owned electronics store in the US and offers everything you’d imagine from an electronics retailer.

It’s a fun visit, and you may just be able to snag a deal here. Maybe you’ll be able to fit a TV in your carry-on bag?

The Best Places to Shop in NYC on a Budget

Don’t let a low budget get you down! These are our recommendations for the best places to shop in NYC on a budget, but that doesn’t mean there aren’t more out there. New York is a big, beautiful city with so much to do and explore so get going!

If you loved this article and want more, look through our other travel and money articles here on Freaking Tech.

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How To

I Lost My Debit Card! What Should I Do Now?



Lost My Debit Card

No matter where in India you are and in which bank you have your bank account. You will get a debit card that is linked to your account. This card is also called an ATM card in India. So you should never get confused between these two different names of the same card.

If you want you can request multiple cards for the same bank account. It totally depends upon your bank. If they have an option for multiple cards then you will get it. In case they don’t have that option you will not get a second card for your account.

There are a lot of good things about the debit cards like you can withdraw cash, shop online and offline. But do you know the bad things about the debit cards?

You heard it right. The major bad thing about this card is you losing it somewhere. And someone else gets your card. He or she who has got your card can use it without your consent. And when such things happen it is termed as the unauthorized transactions.

Now you might be wondering how can someone else use your debit card without knowing the PIN number right?

This is the most common question that comes in our mind when we hear about unauthorized transactions taking place. But there is a possibility of your card being used by someone else without knowing your PIN number.

You can read on Bank With Us, about how the tap and pay or the contactless payments work. There is no doubt that this technology is very good.

But the bad guys misuse this technology to use your card. All the person has to do is tap your card on the POS machine. And the money will be deducted from your bank account.

What to Do to Avoid Loss of Money?

Now you know what can happen with your lost debit card.

But let me tell you that there is no need to panic. Instead, you should take immediate action to block your debit card. Once your debit card is blocked nobody can use it further. Even you being the authorized user of the card can not use it once it is blocked.

Now you have got the answer to your question about what to do when you have lost your card.

But then this will raise one more question in your mind.

And that is how can you block your lost debit card?

Please Note: If you lost your card somewhere then you should immediately block it. It is not recommended that you wait for a few days or so to block it.

You can block your card by notifying your bank about the loss. There are different methods to reach your bank and tell them that you have lost your card.

You can go to any branch of your bank and let them know that you have lost the card. The people working at the bank will guide you through the process to block it.

But if you don’t want to go to the branch of the bank. Then you can make use of the digital modes to block the card. use the internet banking portal or the mobile banking app of your bank.

There will be a separate debit card management section in internet banking and mobile banking. Open that section, select your debit card and get it blocked immediately.

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How To

Funniest Marketing Tactics in Modern Times




We are now in a world that there is so much competition that we need to think and do creative marketing to stand out as brands and raise its awareness. Some brands perform funny marketing tactics to go viral and maximize sales and brand awareness.

Fun and weird marketing are some of the tactics that stand up among the rest of the marketing advertisements we see online or around us. We sometimes think these will not be used, or it will just receive a lot of criticism for not being politically correct. However, that attention is already enough potential buyers or audience for your marketing campaign that raises the brand’s awareness.

Unusual Use of Product: Marbles Blendtec’s Will it Blend

We usually saw marketing advertisements for a specific product showing how to use it or where we can use it. But this particular brand does it most unusually.

The product is a blender. We know that we use a blender in mixing foods, but for this product promotion, they show the audience how the blender works using the unusual thing to blend. They blend things from a soda can, CDs, marbles to the wood handle of the shovel. Weird right?! But the result, they gain a lot of sales because of that promotional strategy.

Uniqueness is the Key: Dollar Shave Club

To be able to stand out, we need to be weird sometimes. People are already tired of seeing and hearing the same things. They tend to skip your content or advertisement once they see the same thing all over again. To get attention, you have to do something weird to the point that you make no sense at all.

One example of this is an advertisement for a shaver. If you watch the video advertisement, you will laugh out your lungs. Funny and hilarious skits. And with that, they gain a lot of viewers, subscribers, and followers that increase the products’ sales. Being nonsense can give you more cents.

Mind Ticker: Snickers You’re Not You When You’re Hungry

What people see will retain and give a second look will attract them. We also notice some marketing advertisements using Adwords campaign, which can catch attention because the first thing that people do is reading it. And from this concept, one of the most famous chocolate brands came up with an Adwords campaign that caught the consumer’s attention very nicely.

They used the strategy of posting the advertisement words misspelt intentionally for the audience to get curious about it and make their brains work automatically, wanting to correct it. It is funny in the sense that it will tickle your brain. And some people, as we all know, like to criticize others’ works. By doing this, the consumer recalls the misspelt print ads and identifies the brand and/or product itself. Another creative way to increase brand awareness.

Straight to the Point

People react emotionally to the gay community, whether positively or negatively. Going straight to the point, even if they are not straight.. Funny, right?! Ok, fine. What I’m talking about is some advertisement tactics that are directly targeting this sector of society. What some advertisers realized is that they are a high potential target market.

Some companies put up specific websites and guidelines to cater the gay consumer needs. Some people use this strategy to invite consumers aside from the straight men and women community. Marketers would try to understand gays and hop on to whatever they are fighting for, like gay rights or LGBT movement. And that kind of tactic is some of the companies perform to get more consumers. Gay people are very talented; most of the company wants people to like them to be part of their team. Those some of the companies came up with policies and benefits that can attract gay people to join them. It’s a win-win gay for all.

Point on Point

To end this, I must say that being funny is being real, and being genuine is relatable. It is a compelling marketing strategy to keep your customer coming back for more. Come on; let’s get real. More customers mean more money.

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