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roynivedita86 · 1 year
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How to get the best interest rate on savings accounts?
When it comes to saving money, getting the best interest rate on your savings account can make a big difference. A high-interest savings account can help your money grow faster and earn more over time. 
1. Shop around
The first thing you need to do is shop around for the best interest rates. Not all banks and credit unions offer the same savings bank interest rates. It is important to research properly and look for banks that offer high interest rates and compare them to find the best deal.
2. Consider online banks
You can open online savings account as they often offer higher interest rates on savings accounts than traditional banks. This is because online banks have lower overhead costs, which allows them to pass on the savings to their customers. A digital savings account zero balance also offers the convenience of banking from anywhere, at any time.
3. Look for promotional offers
Banks often offer promotional rates to attract new customers. These rates can be significantly higher than the standard interest rate. Make sure though that you read the terms and conditions carefully before signing up for a promotional offer as they may come with certain requirements such as a minimum balance or a limited time frame.
4. Maintain a high balance
Many banks offer tiered interest rates, meaning that the interest rate increases as the balance in the account grow. Maintaining a high balance in your savings account can help you earn more interest. However, make sure you do not sacrifice other financial goals such as paying off debt or investing in retirement accounts just to maintain a high balance.
5. Avoid fees
Fees can eat into the interest you earn on your savings account. Look for banks that offer fee-free savings accounts, or accounts with low fees. Also, make sure you understand the fees associated with the account, such as maintenance fees, overdraft fees, and ATM (automated teller machine) fees.
Getting the best interest rate on your savings account can help your money grow faster and earn more over time. By shopping around, considering online banks, looking for promotional offers, maintaining a high balance, and avoiding fees you can find the best savings account for your needs. Remember to always read the terms and conditions carefully before opening a savings account and to prioritize your financial goals. You should always choose the best service providers in the domain like Axis Bank as they offer the best interest rates.
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roynivedita86 · 1 year
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Why should you invest in fixed deposits?
FDs (fixed deposits) are a popular investment option for those looking to earn a guaranteed return on their money. This is a type of investment where you deposit a lump sum of money with a financial institution such as a bank for a fixed period, typically ranging from 1 to 10 years. 
1. Guaranteed returns
One of the main benefits of FDs is the guaranteed return on your investment. Unlike other investment options, such as stocks or mutual funds, an FD offers a fixed interest rate for the duration of the deposit. This means that you can calculate exactly how much you will earn on your investment and plan accordingly.
2. Low risk
This is the same reason why you open savings account right? FDs are considered to be the best among the low-risk investment options in India. Since here the interest rate is fixed and the principal amount is guaranteed, there is very little risk of losing your investment. This makes them a popular choice for those who are risk-averse or who are looking to preserve their capital.
3. Flexible investment periods
FDs have flexible investment periods, which can range from as little as one month to as long as a decade. This means that you can choose an investment period that suits your financial goals and needs the best. Shorter investment periods may offer lower interest rates but they allow for greater liquidity and flexibility, while longer investment periods may offer higher interest rates but may require you to not take out your money for a longer time.
4. Compounding interest
Many fixed deposits offer compounding interest, which means that the interest earned on the investment is reinvested back into the fixed deposit. This allows for an exponential growth of the investment over time which is so higher than what you would get from bank savings interest rates. Compounding interest can be especially beneficial for longer investment periods, as the interest earned on the investment can become a significant portion of the overall return.
5. No market fluctuations
Fixed deposits are not affected by market fluctuations, which can make them a more stable investment option. Unlike stocks or mutual funds, the interest rate on a fixed deposit is not influenced by market conditions or economic events. This can be especially beneficial during times of market volatility or uncertainty.
Just ensure you invest in FDs from reputable financial institutions like Axis Bank as doing so would make the entire experience even better.
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roynivedita86 · 1 year
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The Advantages of a Digital Current Account: Why It May Be the Best Choice for You
When it comes to managing your money, there are a variety of account options available to you. While many people are familiar with savings accounts, only some understand the benefits of current accounts. Let's take a closer look at what a current account - especially a digital current account is and why it might be the best option for your financial needs.
What are Digital Current Accounts?
It is a type of account that can be opened and managed entirely online. Unlike traditional current accounts that require you to visit a physical branch, digital current accounts can be opened from the comfort of your own home using a computer or mobile device. Once your current account is open, you can manage your money through a user-friendly app, making it easy to keep track of your transactions and balance.
Benefits of Digital Current Accounts
One of the most significant advantages of digital current accounts is convenience. Because everything is managed online, you can easily transfer money, pay bills, and check your balance at any time of day. Plus, many digital current accounts come with features like budgeting tools and spending insights, helping you stay on top of your finances.
Another benefit of these accounts is that they often offer competitive interest rates. While savings accounts are typically known for their high-interest rates, digital current accounts can offer interest rates that rival or even surpass those of traditional savings accounts. This means that you can earn interest on your money while still having access to it whenever you need it.
Current Account vs Savings Account
While savings accounts are great for stashing away money for the future, current accounts are designed for day-to-day transactions. With a current account, you can deposit and withdraw money as needed, pay bills, and transfer funds to other accounts. So when it comes to current account vs savings account debate, current accounts are ideal for people who need to manage their money on a regular basis.
However, not all current accounts are created equal. Traditional current accounts often come with fees for services like overdrafts and foreign transactions, which can add up over time. Digital current accounts, on the other hand, often offer fee-free banking, making them a more affordable option for many people.
Is a Digital Current Account Right for You?
If you're someone who needs to manage their money on a regular basis and values convenience and affordability, a digital current account might be the best option for you.
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roynivedita86 · 1 year
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Home Loan Tax Benefits
Owning a home is everyone's dream and to make it happen in real, Government has given income tax benefits in such a way that it encourages the common man to avail loans from banks to build their dream house. You can avail of an already-constructed home or build a new home on a vacant plot of land. You are eligible to avail home loan in both of the above scenarios. Let us look at the tax benefits of home loan one by one below:
Generally, the EMI you pay towards your home loan consists of two parts namely interest and principal, and for these both, you are eligible for an income tax deduction. You can understand your EMI by using the home loan EMI calculator.
1. Interest Paid on a home loan – Eligible for deduction
If you buy a home for self-occupation purpose, you can deduct the interest paid during the financial year under section 24b subject to a maximum of Rs. 2, 00,000. If you have taken a loan for let-out house property, then there is no limit on the amount of interest deduction to be claimed and you can claim fully even if it is more than Rs. 2, 00,000. For this, first, find the home loan interest rate. You can check on the financial institution’s website.
If you plan to buy a plot and then construct it as per your taste, then also you are eligible for the interest paid during the period till you fully complete the construction of your home. Such interest amount is to be divided into five equal instalments and can be deducted, subject to a maximum of Rs. 2 Lakhs.
2. Principal Component of Home – Eligible for Deduction
Like the deduction available on the interest portion, you can deduct the amount of principal paid during the financial year under section 80C of the Income Tax Act subject to a maximum of Rs. 1, 50,000. Since you have this benefit, you can plan on investing in other 80C tax-saving plans accordingly.
3. Stamp Duty and Registration Charges  
Many are not aware of this. Even the stamp duty and registration charges you paid while buying the land or property are eligible for deduction under section 80C.
4. Deduction Under the 80EE section
This deduction is applicable when you have taken a housing loan between 01.04.2016 to 31.03.2017 up to 35 lakhs and the value of the property is not more than 50 lakhs, then the additional interest of Rs.50000 can be claimed.
5. Deduction under the 80EEA section
This deduction is available when you have purchased a property whose stamp duty charges don't exceed Rs. 45 lakhs, then you can claim an additional interest deduction of Rs.150000. But there are a few conditions to be met first, one is you should not own any other house property in your name before this and you are not eligible to claim deduction under section 80EE.
6. Joint Home Loan
As a measure of tax planning, you buy house property in joint names and avail of a joint home loan. By adopting this technique, you can simply double the home loan tax benefits.
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roynivedita86 · 1 year
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How can you reduce your home loan EMI burden?
Home Loans are the perfect financial tool to help you purchase your dream house. They are offered by banks at attractive interest rates and have a longer tenure than most other loans. While you can benefit from this loan, it does require more financial commitment than other loans so be sure to consider that before committing. Even though the interest rates may seem attractive, they can quickly add up over a long repayment period.
To minimize the cost of your home loan and maximize your savings, it is advisable to pay off your home loan as early as possible. Additionally, you could also opt for a lower interest rate home loan to reduce the financial burden. This blog will show you how to manage your home loan EMI before taking it and even afterwards. Get advice on how to lighten the weight of a home loan on your shoulders.
Before you take out a home loan, there are several ways to reduce the interest rate. You can talk to your financial advisor and get advice on which lenders offer the best rates. Shopping around and comparing options could also help you find the best deal with a low interest rate. Additionally, making a larger down payment or meeting a lender's credit score requirements can help you qualify for better rates and save money in the long run.
1. Comparative Research
To ensure you get the best deal on your home loan, it is important to compare interest rates across multiple lenders. Today, you can easily do this research online by visiting the websites of different banks and NBFCs and compare their interest rates. You can even use home loan EMI calculator to understand your EMIs.
2. Additions of Co-Applicants while you apply
Applying for a home loan with a co-applicant can prove advantageous and help you save money in the long run. The home loan interest rate on the loan is typically reduced by 0.50% when you have a co-applicant, reducing your overall cost of borrowing.
3. Next is to do Pre-payment or Part-payment as much as possible
Unless you can negotiate with the lender, opting for a partial or pre-payment on your home loan won't change your interest rate but can amount to significant savings. Whenever you have a bit of extra money such as bonuses, savings or incentives, use it to reduce the amount of your home loan instead. Taking this step can reduce the original debt amount and help you cut back on the interest payments you would have had to make. This could result in considerable savings.
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roynivedita86 · 1 year
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The biggest problems that people face while applying for personal loans
All of us need money to fulfil the dreams that we have in life but the problem is that most of us do not have it. This creates a barrier in these cases and this is where we need financial assistance from elsewhere. People never stop dreaming and, after all, with the proliferation of financial institutions, it is not at all impossible for them to get the money that they need to fulfil their dreams! A lot of people also borrow money from relatives and friends but that is never recommended. This is why you would see a lot of people nowadays apply for personal loan.
Failing at the first stage of the application  
These loans do have a lot of advantages but that does not mean that they do not have any issues. You may have found a loan with the lowest personal loan interest rate but that does not mean that you would get it as well. You could be rejected when you apply for the loan itself – at least, that is how it happens in the case of most such applications. You may or may not believe this but it is true indeed!
Your credit score becomes a problem 
If you use a personal loan EMI calculator you would have a clear idea of what we are talking about over here. Your credit score is the most objective reflection of your creditworthiness and the kind of financial discipline that you adhere to as an individual. This is one area where you cannot expect a lender to compromise no matter how lenient it is known to be. Banks would always check this score to verify your creditworthiness before it lends you any money as doing so makes sure that it reduces credit risks to the lowest possible levels.
 At times, people who apply for such loans lack a stable source of income. You can be sure that if you do not have banks would not lend you any money. They also get the repayment period wrong in most cases. As we have said already, getting approved for such a loan needs a high credit score. People also never plan how to pay back the EMIs which is something that must be done even before you have applied for such a loan. A lot of people also find it incredibly hard to get a proper lender such as Axis Bank from which they can get the loan.
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roynivedita86 · 1 year
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Don’t Make These Mistakes While Applying for a Personal Loan
There are so many situations where getting a personal loan is the only reasonable option for you. It could be that this is the end of the month and you have just realized that your wife’s birthday is a few days away. You had promised her a costly gift but considering the fact that this is the month's end your financial situation is a bit tight. This is where personal loans can be such a saving grace for you. Soon, however, you start looking frantically for such a loan online and sign up for the first one that comes your way. This is something that a lot of us can relate to right?
Not comparing the different options that you have in this case and not reading the fine print 
If you do not do this you can be sure that you would never get the lowest personal loan interest rate – however, we are just scratching the surface over here. You may think that all personal loans are the same but that is just a superficial assessment. Just go deeper and read the terms & conditions of the loans, and you would understand how vastly different they are from each other. 
Not paying attention to your credit score 
You can easily use a personal loan EMI calculator and see how your EMIs (equated monthly instalments) are influenced by your credit score. Never be under the impression that your late EMI payments, applications to multiple lenders, and credit card defaults are not being tracked. The authorities are always keeping a tab on these phenomena to determine your credit score. Whenever you apply for any loan lenders would always use the score to evaluate how creditworthy you are. Your credit score would determine whether you get the loan at all and the interest rate that you are charged on the same.
If you are taking a loan amount that is more than what you need in this case you are making a big mistake in this case. If you are taking more time than you ideally should to pay back the loan you are making a major mistake too. One of the biggest mistakes that people make in these cases is not applying to the best lenders such as Axis Bank. That way, they miss out on good loans with decent amounts and commendable terms & conditions including rates of interest on repayment.    
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roynivedita86 · 1 year
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Checkboxes to tick before you take a personal loan
It is very important to have all the important information that you can get before you get a personal loan. Not only does it improve your chances of being approved for the loan but also helps you get a loan with the lowest rate of interest on its repayment. So, here are some of the things that you must keep in mind before you apply for such a loan. When you are applying for personal loans you must take into account factors such as credit score, charges applicable to the loan, and the rate of interest on the repayment of the same.
Having a good credit history 
If you want the lowest personal loan interest rate this is something that you must keep in mind. Your CIBIL (Credit Information Bureau (India) Limited) score shows how creditworthy you are based on your repayment history. This score normally ranges between 300 and 900, and any score over 750 is supposed to be ideal. If you have a low score it means you have been bad at managing your debts to date. This could mean that either your loan application is rejected or you have to pay a high rate of interest on the same. 
Comparing the interest rates available in the market 
Just use a personal loan EMI calculator and you would understand what we are talking about over here. By taking this particular step you can easily get the loan with the lowest rate of interest on repayment. These days, there are plenty of websites where you can get such information with complete ease. In fact, apart from the lowest rate of interest this also helps you choose a type of interest rate that you would be comfortable with. This will also make sure that it is easier for you to pay back the loan EMIs (equated monthly instalments).
Apart from these, you must assess all the other costs related to the loan. Never fail to think of the reasons why you are taking the loan as that would help you get the amount right. You must also have a clear idea of your ability to pay the loan back. Always make sure that you get the loan from a leading service provider such as Axis Bank as doing so ensures that you have the best loan and your experience of paying back the same is a convenient one as well.
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roynivedita86 · 2 years
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Open Fixed Deposits online at Axis Bank. You can also apply for personal loan, home loan, recurring deposits, credit cards, and more online!
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roynivedita86 · 2 years
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Use Axis Bank’s Fixed Deposit calculaor online to find out what is the interest on your FD. Axis Bank also provides with personal loans, home loans, credit cards, savings account, etc.
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roynivedita86 · 2 years
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Essential Storage Option for Better and Faster Nursing at Home
Medical emergencies are perhaps the most unprecedented incidents risking situations now and then. In such situations, the agonizing pain is hard to keep surmounted. In such circumstances, the most versatile option would be to rush to your nearby medical clinic. However, self-made medical kits made at home are the most specialized medical kits that can facilitate your purpose best. Nevertheless, the whole idea of having a personalized medical kit is seemingly pleasing, unless you have to worry about opting for the correct storage option. The most prudent rescue happens to be a medical kit box that is a better preserving for your emergency essentials.
Furthermore, emergency essentials such as a bandage, or an antiseptic need to be kept away from unwanted dust particles which can later interfere with your cut or wound. Any such instance of mishandling medical essentials can lead to potential infections to cuts and wounds and thus, extra care is what it demands. That is where the primary benefit of a proper storage kit comes into play.
Tips to buy a first aid storage box
When dealing with minor accidents and injuries, an advanced kit is not at all a part of the requirement. it is just a few basic storage arrangements in the box that one needs to consider to buy home essentials as such. Here are a few enlisted features to look for in the ideal first aid storage box:
· Handy and compact: it is evident that a large first aid storage box is not feasible for the purpose at hand. Instead, a compact box with well storage compartments dedicated for each item is perhaps the best pick.
· Reusable: a reusable box symbolized one such piece that is capable of keeping itself sterilized and secured to be used as a first-aid storage box. Any buyer would prefer a reusable storage option, as compared to a one-time-use piece.
· A see-through lid: This is perhaps the most conveniently required criteria to be fulfilled by any first aid storage box. A see-through lid helps determine the location of the products and becomes handy to use in times of an emergency.
· Ease of travel: an ideal first-aid box is also meant to facilitate the purpose of carrying it along while traveling. And that is something one needs to be kept in mind alongside the other considerations.
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roynivedita86 · 2 years
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Invest in fixed deposits, mutual funds, apply for personal loan, credit  cards, and more online at Axis Bank.
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roynivedita86 · 2 years
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Interest rates of savings accounts and fixed deposit
Whenever we are choosing a bank to open these, the first thing that we are concerned about is the fixed deposit and savings account interest rate. However, that should not really be the case as there are plenty of other factors that need to be looked at in this particular context so that you can make the right choice. After all, no matter which one of these you open in a bank it is important to make sure that you are getting full value for the money that you have invested in the same. That is perhaps the most important factor in this case. 
 Tenure 
This is an important factor to look at when you are starting a fixed deposit in a bank. Please remember that all the fixed deposits come with a specific time duration, and it is important to be careful when you are choosing the same. The options that you have in this case range between a year and 10 years, and you need to choose one that suits you the best. In fact, you also get FDs (fixed deposits) with periods of seven days as well nowadays! Please understand that premature withdrawal could prove to be problematic in these cases. You could be charged a penalty that would lower the total interest that you earn from the FD.
 Minimum opening amount  
This is an important factor when it comes to starting a savings account. In some banks, you would have to deposit a certain amount of money so that the account can be activated. The main purpose of such an amount is to cover the expenses that are normally incurred by a bank in setting up these accounts as well as maintaining the same later on. Please determine that you are comfortable in paying the minimum amount that is necessary in these cases.  
 Conclusion 
No matter which of these you open and which bank you choose for the same make sure that you are getting proper service from the bank where you have done the same. This means a few things. You can access the latest information regarding your FD and bank account at any time that you want. You can also make any transaction that you want to at any time and place of your choice. You can be sure that if you opened either of these accounts at a top bank such as Axis Bank there is not a lot that you would have to worry about in this context.
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roynivedita86 · 2 years
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Why a good savings account still matters
The most important – and perhaps the most underrated as well – benefit of having a savings account is that you can keep your money safe. This gives you immeasurable mental peace. This is because you know that your money is safe in a secure system that is well-nigh impossible to breach. 
 You get a steady rate of interest 
You can be sure that the tortoise who defeated the hare by being slow and steady would be proud of what the savings accounts can accomplish for your finances. You may be wondering why we are making such a statement over here. This is because just like a tortoise these accounts provide you with an interest that helps you accumulate a decent amount of capital in time. This is in fact the biggest reason why people open bank account in the first place.  
 It makes you financially disciplined 
You can access cash with a greater degree of ease when you keep it at home. This means quite often you end up spending money when you do not need to and this reduces your savings as well. However, the thing with savings accounts is that you only use the money when you need it the most. This way, it also becomes much easier for you to meet your financial goals.
 It acts as the first step towards getting a loan
When you have a decent bank balance thanks to the fantastic savings account interest rate that you are getting right now it would help you get the loan that you are looking for. This is because in such a situation the bank would be willing to trust you sufficiently to extend to you the credit that is looking for from it. They would know that you earn sufficiently enough to pay back the EMIs (equated monthly instalments) of the loan that you have taken from them.
 Conclusion 
When your savings accounts are with the top banks such as the Axis Bank you get so many other benefits. For example, you can automate your bill payments. If you have a pile of bills lying on your table it means that you have grown up. However, it cannot also be denied that the process of paying these bills can be rather tedious. The good thing these days though is that you can easily automate these payments with the help of your debit card. This way, you would not worry about the payment of these bills.
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roynivedita86 · 2 years
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Why your current account should be with a good bank?
When you open a current account with a leading bank such as Axis Bank there are so many ways in which you stand to be benefited by the same. For starters, these accounts are as secure as they come. Does your business need to take care of a lot of cash? In that case, there is a high chance that you could be facing several security risks. If you deposit all that cash in the bank account you enjoy a higher degree of security as your risks are considerably lowered in that case. 
 They are good for businesses 
This is an important feature in these cases as well. Indeed, you would not get any current account interest rate in these cases. However, the other benefits that you get from having such an account would make such an inconvenience pale in comparison. For example, such an account would let you perform as many transactions as you want in a day. Quite often, a bank might ask you to open a current account if there are a lot of transactions in your business savings accounts. One of the biggest benefits of these accounts is that they help you deal with plenty of payments and receipts systematically. 
 They provide you with an overdraft facility 
This is extremely helpful in situations where you are faced with an emergency. However, please remember that the overdraft facility would only be provided up to a definite limit. You can be sure that you would not get this facility in your business savings account.     
 These accounts are really easy to operate 
The main reason for such a statement is the fact it provides you with several convenient options for operating your account. This includes the likes of cash, ATM (automated teller machine) cum debit cards, cheques, and digital banking, to name a few. 
 Please remember that there are certain limits to the number of withdrawals that you can perform in a day. This is determined following the cash transaction fees that are applicable in these cases. However, there are no restrictions on the number of times that you can deposit money into such an account. Usually, you can do this for free at the home branches. In the case of the other branches of the same bank, you would have to pay a small fee. You can also issue the likes of cheques, demand drafts, and pay orders from such an account to settle your dues with your creditors.   
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roynivedita86 · 2 years
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How to set the table in style with your favorite dinnerware
Selecting the right set of plates and dishes plays an important part in serving the food right. The art of making food not only lies in the taste of cooking but also in presenting it amazingly. The plating style will be of greater aspect in setting the mood for eating with pleasure. Thus to present the table with alluring tea cups and crockery set in general one must choose the dinnerware accordingly.
 Choosing the perfect material of tableware becomes all the more important as they decide the style of serving. There exist several dinnerware sets such as chinaware, earthenware, porcelain pieces, and melamine dishes.  
●      Chinaware is made up of a strong material that can withstand heat. It is preferred to be used even when the food is to be microwaved. Bone china can be cleansed using dishwashers without any hassle.
●      Porcelain and earthenware crockery I the best-looking materials. They appear to be elegant while placed on the dining tables with food. They are also hard enough to be crack-resistant. A rich dinner can be served on special occasions with this dinnerware.
●      Melamine dishes are suitable to use from time to time. Though they cannot bear the high-temperature settings of ovens and microwaves, they make good dinnerware for outdoor usage.
●      Stoneware will come on top of the list for the shine they produce. It looks appealing and delightful to use them as dinnerware. They are made up of non-porous ceramic clay and are prone to breakage when falling from a certain height.
 Choose what type of dinnerware to bring on the table at what occasion. Casual and daily use options would be to go with earthenware or melamine dishes. These would be subtle in usage suitable for everyday meals. Sipping a hot beverage with ceramic mugs has been an ideal practice for ages. The modest look and convenience make it a must-have in the dinnerware. When it is a guest's night, going with stoneware or fine china would be a great idea to serve in a voguish style.
 The color and design of the tableware play a vital role. Opt for dishes that appear good and at the same time are easy to be cleaned. Be it soup bowls or huge serving sets every dinnerware must be bought perfectly. A kitchen and dining hall with an attractive interior must have a dinnerware set that matches the decor aesthetics of it. Pick wisely!
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roynivedita86 · 2 years
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Party drinks that you would want to sip all night long
The first name that comes to mind in this regard is that of French 75. For this, you would have to fill 75% of a cocktail shaker with ice. After that, you need to add ¾ Oz, gin, a tablespoon of confectioner’s sugar, and a couple of teaspoons of lemon juice. After this, you need to cover the glass and shake it for around 10-15 seconds. You can also keep doing it till the outside of the shaker becomes condensed. You can easily strain it into a flute glass and top it off with champagne. You can be sure that it would taste great in the tumblers as well.
 Malibu Strawberry Spritz
This is a rather easy drink to make. For this, you need to fill up a normal glass with ice. It is better to not try this in a wine glass straight away. After that, you need to pour 25 ml Malibu Strawberry in it along with .25 ml soda water and 100 ml sparkling wine. It is done and ready for you to be sipped.
 Prickled Pink 
If you want to make this one you have to start by pouring two parts Milagro Silver, two parts pink Agua de Tuna, one part fresh lime juice, and 3/4th part agave nectar in a shaker. 
 You need to shake this concoction as vigorously as you can and then pour it onto a rocks glass accompanied by fresh ice. You can dress it with a lime wheel. It would taste great in a champagne flute from Treo as well. If you want to make Agua de Tuna you need to first peel off around five prickly pear fruits, and chop them roughly. You can then add it to a blender where you can make a puree from it till it becomes smooth. After this, you should pour this through a fine-mesh strainer.
 White Haute Chocolate is also a great drink and it would be criminal of us to leave it out from such a discussion. For this, you have to heat eight parts white chocolate and an equal amount of milk in a pot till the time it melts. You can also add a bit of sea salt to the drink and then you should pour it in a mug and add a part of Glenfiddich 14 Whisky to the mix. You can use star anise to garnish the mix. However, please remember that you can always try out other options in this case as well. 
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