The 10 Best Smartphones You Can Buy Today

We can all safely agree to the fact that a smart phone is of quintessential importance and imagining a life without one almost makes you feel handicapped. The year of 2015 saw quite a number of remarkable launches each better than the other making it seemingly difficult for us to make a choice. This list is just an effort to help you pick from the best options available as of today. If you are looking to grab these smartphones at the best prices possible then look nowhere than Paytm coupons presented by GrabOn.

  1. Samsung Galaxy Note Edge

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A smart phone which comes with an extra side screen dubbing as secondary display is ingenious. It’s a phablet with a unique design and software optimized especially for the S Pen Stylus. Multi-tasking takes a whole new level with this one with users being abled to access the stylus’s core function through the S Note App’s own widget.

  1. Xiaomi Mi 4

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After the success of its predecessor, Mi 4 lives upto the expectation pretty well. It has Corning Glass armed with OGS technology and sleek design. The camera is enviable and so is the company’s operating system, MIUI6.

  1. OnePlus Three

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The previous versions had created quite the ripple prior to their launch and went on to live up to the expectations. This one is just the stunner. Having built a reputation for its flawless performance and camera, this one come with a 5GB RAM. Impressive, eh?

  1. Micromax YU Yureka

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Micromax’s new smartphone is powered by CyanogenOS. Extremely pocket friendly when it comes to everything that it offers is amazing! Also, did you know it apparently has a 210 hours of standby time?

5. Asus Fonepad 8

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What’s unique about this android tablet? It comes with voice calling. It runs Android 4.4 coupled with Asus Zen UI. This tablet is available in black and gold variants. You might want to check this one out.

  1. Micromax Canvas Hue

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Another from the house of Micromax, Canvas Hue It’s screen is protected by Gorilla Glass 3 and is soon expecting an update in the form of Android 5.0 (Lollipop)

  1. Lenovo A6000

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This 4G enabled phone is vouched as the cheapest in its kind. For the music fanatics, the phone has two speakers and Dolby Digital Plus sound.

  1. Huawei Nexus 6P

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Authentic and premium, Nexus 6P is all that you’ve expected and much more. If ultra pixels and laser auto focus interest you, this phone is your jam.

  1. LG Nexus 5X

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If you want the best of android fitting in your budget, this is the phone you’re looking for. Available in varying storage, it has quite a display and camera.

  1. Moto X Style

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It has all the elements Motorola is famous for and comes with the desired X-factor. This definitely concludes the list!

What To Consider Before Remodeling Your Home

What To Consider Before Remodeling Your Home

It does not matter whether you have owned a home for just a few months or for many years. Every homeowner can benefit from a home remodeling project. It might be something as simple as wanting to change the way your fireplace surroundings look or giving your home a completely different look. If you want to spruce up your home, consider remodeling your entire house.

Before you can get started

You would need to remember that giving your home a complete makeover or an overhaul can itself give you nightmares in case you do not get it done properly. Set aside some budget for this project since it can help you decide which parts of your house you would like to get remodeled. However, how would you know whether you have enough money for this project? Put together a list of all the parts of your house you want to give an overhaul and also get an estimate from some of the best contractors. Begin by checking the websites of contractors in your area. A good home remodeler such as GGR home remodeling can, in fact, make all your dreams come true.

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Ask your friends

Ask your co-workers and friends as to which company they would recommend. When searching for a remodeler, make sure you find out as to how much experience they have in their field of work and check out their expertise. Do they specialize only in remodeling projects or do they also provide other services? How can you find out whether the company is a good one or not? You can determine how good they are at their work by looking at the testimonials on their website and also by reading reviews on them on the internet. Get references from the company itself if you can. This will go to show how experienced they really are. Also, make sure you ask them for the portfolios of their past projects. It will give you a rough idea of the work they have done before.

Get quality results within your budget

A good remodeling contractor will have many references to share with you. In fact, he or she will be ready to consider your budget and help you get quality results within the same. Work with a trustworthy company that provides home remodeling in San Diego CAservices. If you are not sure what you want, work with your contractor who can guide you. Not only will he or she be able to give you an insight into the technical aspects of remodeling but also experience based knowledge that no one else can possibly give you. Do you want to get some parts of your home repaired? You could get that done too. Look at the catalog of the company to get an idea of the variegated home remodeling styles or designs they have. Remember that changing the way your bathroom and kitchen look will definitely change the way people perceive your house. In fact, they would increase the resale value of your house at the end of the day.

Efforts to Help Homeowners Fail Their Troubled Mortgages

Home Foreclosure SignThe number of delinquent mortgages continues to fall, but the foreclosure crisis is still taking its toll on hundreds of thousands of borrowers.

Of the approximately 952,000 borrowers who are 90 or more days past due on their monthly payments, but not yet in foreclosure, 62 percent have already been through some form of home retention program, according to Black Knight Financial Services. They are, it seems, beyond help. Home retention programs were established by lenders and the government to work with borrowers to enable them to keep their homes.

“The percentages do look significant,” said Ben Graboske, senior vice president of Black Knight’s data and analytics unit. He pointed to trends in the government’s modification program, which has given borrowers less relief of late.

In 2010, homeowners on average could have received a $530 monthly payment reduction. That has dropped to the $450 range today. Graboske said that it is a major reason you are not seeing better performance for these homeowners today.

Banks are also getting more aggressive in pushing delinquent loans through the foreclosure process, rather than offering more modifications. As home prices rise and demand surges, banks can sell the homes more easily in today’s market than they could during the height of the crisis. Retention actions are down 42 percent over past two years, but of the new modifications or payment plans, 70 percent have already been through one or even more modifications that failed, according to BKFS.

Banks are also favoring short sales more, rather than taking the home to final foreclosure and selling it. A short sale is when the bank allows the home to be sold for less than the value of the mortgage.

“The ongoing shift away from [final foreclosure] sales is a driver of improving home prices since bank-owned properties typically sell at a larger discount than short sales,” noted a new report from CoreLogic (CLGX). Distressed homes accounted for 12 percent of March home sales, according to the report, down from 39 percent at the peak of the foreclosure crisis.

The numbers still vary dramatically place to place. Ironically, Washington, D.C., where the federal loan modification program was born, led the nation with 67 percent of its seriously delinquent inventory having gone through some sort of home retention activity. Maryland, Georgia, Texas and Connecticut followed with each seeing 66 percent of their 90-plus-day delinquent inventory involved in a home retention action.

The government’s Home Affordable Modification Program, introduced in 2009 and recently extended, has offered just more than 1.8 million loan modifications to date. Banks and mortgage servicers have also done independent loan modifications, including millions of dollars in principal reduction and principal forgiveness.

Although the number of both delinquent loans and those in active foreclosure is down dramatically, they are still two and three times their precrisis norms, respectively, with 28 percent of the remaining foreclosure inventory located in just three states: Florida, New York and New Jersey, according to BKFS.

Live a Stress Free Life with SobhaElanConstructions in Coimbatore

Today, Coimbatore is considered as a real estate hub and is growing high to match up to the level of other tier II cities of our country. Property here is much in demand these days as of late, as many companies and educational institutes have come up which has led to sudden boom in the real estate market.

 Coimbatore as a City

Coimbatore is famous for its hill stations such as Ooty and Coonnor in its outskirt areas. After Chennai, Coimbatore is now considered as the next option for real estate investment. This place covers about 7470 square kilometers, and is known for having a population of more than 4.22 million till last decade. Coimbatore has gained importance as a place of historic importance. This place also has more than 25,000 small scales as well as big scale industries. This place has witnessed high level industrial growth which has helped the real sector estate as well.

In recent years, this place has seen sudden growth in its residential and commercial property. This has made this place a hot property for investors. Real estate development has many regional players such as Sobha Developers ltd. in Coimbatore have created a niche for themselves in the real estate sector by developing projects that gives buyers optimum value on their investments. One such real estate development is being done by SobhaElan. They are working on providing affordable and good home having all facilities.

Some of the Excellent Features of Sobha Elan Construction Work

If you are going for homes made by Sobha Elan, Coimbatore will help you get good houses having stilt as well as four storey framed structure. Masonry walls are an added attraction here. Their homes are quite spacious and you will get ample area for parking your two-wheeler or four-wheeler conveniently. Coimbatore is an excellent place for residing. SobhaElan constructions are made taking into account good ventilation facility and good sunlight.

Because of Sobha Elan Coimbatore has witnessed many new buildings and construction sites. Clean floor, vitrified tile flooring and emulsion wall paints are what you should expect when you are buying or living in a SobhaElan construction.All the basic amenities like hospitals, schools, railway stations are at close proximity from the elan construction. You don’t need to worry much as they have been good enough in coming up with excellent construction for offices as well as apartments.

Trust SobhaElan on Security and Other Facilities

SobhaElanhas residential properties which are filled with special featuresand helps people to stay ahead of other residential places. Recreational parks for kids, jogging tracks for youngsters and walking areas for old people are some of the added features whichhave helped SobhaElan rise above others. Commutation is easy for people residing here as this place is in the heart of the city so that you enjoy all the nearby benefits.

SobhaElan constructions are made using latest technologies. You will have complete access to power backup and other connectivity. Security is a prime concern of residents these days. Keeping this in mind, SobhaElanis always particular about security. You will find CCTV cameras installed all over the area to help people feel safe and secure. Trust their work as they know well about construction and other necessities. Make your life easy and hassle free by staying here and making most of the benefits given by SobhaElan constructions. Live a stress free and relaxed life with SobhaElan constructions in Coimbatore.

Finding a perfect plumber

One of the most chaotic things to do in this busy life is to brood too much to find a plumber, and water just can’t wait, if the water is tapping out, you have no option but to fix it immediately! We intend to take you through a complete plumber hiring experience and avoid common mistakes.

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First let’s look at five popular mistakes that people make while finding a plumber.

  1. Hiring a plumber based on price and that is foolish. A better plumber may charge a little more, but will save you from a lot of hassles later on.
  2. Thinking that all the plumbers can do any work. Absolutely not! While some are adroit at fixing everything, others may not have expertise in taking care of complex plumbing work.
  3. Hiring a plumber that doesn’t have right tools. In India, sadly people tend to bring just anyone to do plumbing work, thinking little about his/her suitability for the job. Look for the tools that they use. Better plumbers will make enough money to buy themselves tools that make their job easier.
  4. Hiring without asking them enough questions is a big mistake that people make, ask them questions, as many as you have, and let them answer them, if they aren’t interested in answering your questions, then will they be really interested in fixing your plumbing woes? – Think about it.
  5. Not asking for references – Go for it, ask them questions pertaining to it, as much as you can, ask for folks whom they worked with, or undertook any assignments for them? If they didn’t, then probably they don’t fit the bill, and it’s better to look out for someone else.

We agree with you that generally local plumbers are abrasive and there wouldn’t be time for you to look into every small aspect of hiring a professional, moreover we didn’t mention background verification – which matters a lot. However it is practically an impossible measure for someone working hard to earn livelihood in a fast city lifestyle.

So here are two key things you can use in addition to avoiding the 5 mistakes to choose the right plumber

  1. Experience: More experience is always better, between a new and experience professional, always go for latter.
  1. Warranty: You would like a guarantee on appliance, so why not on plumbing? Someone who is damn sure about what he/she does will never shy away from redoing it if needed.

I agree that it is a daunting task to keep all in this in mind, but fortunately, with advent of new technology, there are lots of solutions, one of them is professional apps that help you find the best plumber. One of the very popular apps for professional home cleaning servicesis UrbanClap. It has a robust background check program, and generally gets you professionals that convincingly sail through all seven points. Moreover the rates are reasonable and ratings are very favorable, there are many people who have used the app and can vouch for their services, one great advantage of using the app is that it acts as a zero cost interface, which lets professionals to come up with most competitive rates, as there is no post service rate adjustment.

There are number of other apps in android marketplace too, but they are marred with flawed UI, unprofessionalism, and disastrous customer service, there are many companies that use this app to get professional plumbers, and it takes its reputation very seriously therefore there is a swift response to any glitch or concern.

In nutshell we believe that you might want to give UrbanClap India a shot while trying our tips to find which one gives you a better match, but in any case, you will end up in getting better plumbers than you are getting now.

Haryana CM Khattar announces to set up a Skill Development University

Haryana CM Khattar announces to set up a Skill Development UniversityGurgaon: Haryana Chief Minister Manohar Lal Khattar on Saturday announced to set up aSkill Development University in the state.

He said that a proposal for setting up of Skill Development University in Haryana has been sent to the Union HRD Ministry and he hoped that it would get clearance soon.

The University would help in training of teachers in improving their pedagogical skills so that they can prove to be good teachers and be fair to their profession.

He said that Haryana has also set up a Skill Development Mission on the pattern of National Skill Development Mission so as to help the drop out students in their skill upgradation and make them employable.

He was speaking in a Consultative Meeting of North Indian States for preparation of New Education Policy at the national level organised here today.

The one day meeting was jointly organised by Union Ministry of Human Resource Development (HRD) and Department of Higher Education of Government of Haryana.

Union HRD Minister Smriti Irani, Haryana Education Minister Ram Bilas Sharma, State’s PWD Minister Rao Narbir Singh, Rajasthan Education Minister Vasudev Nani, Punjab Education Minister Daljit Singh Cheema, and senior officers of Education Departments from the north Indian states were also present.

In his address, the Haryana Chief Minister said that earlier the education policy used to start from ‘Top to Bottom’ but now for the first time in the country suggestions were taken from village, Block, District and State level for preparation of a comprehensive National education Policy.

“Now the policy is being framed from ‘Bottom to Top’. The new education policy framed after a thorough discussion from all over the country would meet the requirements of the fast growing India, which is heading towards becoming a ‘Vishwa Guru’ (world teacher),” he said, according to an official release.

He was of the view that education should be value based which makes the students employable.

Khattar said that as of now emphasis is laid on ‘3-R’ education, which means Reading, Writing and Arithmetic.

He said that a Skill Development Mission has been set up in the state to take care of the drop out students or who could not take up higher education due to some circumstances in upgrading their skills and make them employable.

Khattar said that in addition to education, the state government has taken steps for ‘good governance’ and the state got appreciation from the Central Government for e-governance.

In the Consultative Meeting, the HRD Minister invited suggestions from the northern Indian states, majority of whom suggested to drop ‘no detention policy’ because, according to them, the poor learning outcome in the primary classes were reflected in the large scale drop outs after class 9th and low percentage of pass outs in class 10th and 12th.

They also emphasized on the need to introduce teacher training from induction level to afterwards for developing better pedagogical skills.

Earlier, Khattar and Irani, along with other ministers, paid floral tributes to Sardar Vallabhbhai Patel on his birth anniversary.

AICTE CMAT 2016-17 to be held on January 17, registration begins

AICTE CMAT 2016-17 to be held on January 17, registration beginsNew Delhi: The Common Management Admission Test (CMAT) for the session 2016-17 will be conducted on January 17, 2016, as per the official notification released by the All IndiaCouncil for Technical Education (AICTE).

The registration for the test begins today, i.e. November 03, 2015. Candidates can register themselves for the test till December 10, 2015. Admit card can be downloaded on January 05, 2016.

The result will be declared on January 21, 2016.

The CMAT is a national level entrance examination conducted by the AICTE every year as per the directions of the Ministry of Human Resource Development (MHRD), Government of India.

The CMAT is a three-hour computer-based online test, which is conducted in a single session.

This test facilitates Institutions to select suitable graduate candidates for admission in all Management programs.

Earlier, the exam used to be held two times in a year – September and February. However, now AICTE has decided to hold it only once.

The test consists of four sections – Quantitative Techniques & Data Interpretation, Logical Reasoning, Language Comprehension and General Awareness.

Students are given 180 minutes to answer 25 questions in each section.

Every correct answer gets the candidate four marks and no negative marking takes place for a wrong answer.

The CMAT score is accepted by all AICTE-approved institutions/university departments/constituent colleges/affiliated colleges.

India needs rapid expansion in higher education: Panagariya

India needs rapid expansion in higher education: PanagariyaNew Delhi: Calling for transformation in tune with the changing times, NITI Aayog Vice-Chairman Arvind Panagariya on Tuesday said India needs rapid expansion of its higher education system.

“I think challenges in the Indian education system are very much there. The country needs transformation in this field,” Panagariya said while addressing the 11th Ficci Higher Education Summit 2015.

“Just as we need transformation in different areas such as urbanisation, industralisation… In many countries a lot of transformation has happened in education.”

Panagariya is of the view that school education and higher education need to grow together to help India face various challenges.

He made out a case for rapid expansion in higher education both in private and public sectors.

“A lot of the criticism in recent times are along the lines that we overemphasise on higher education and ignore elementary one… And that was a big mistake. Personally, I don’t really subscribe to that view… The Constitution very specifically recognised it,” he said.

While taking note of advancement in information technology (IT) because of rapid expansion in engineering education, Panagariya made it a point to highlight the “very restrictive” nature of medical education in the country.

Citing the example of his own state Rajasthan, Panagariya said there were five medical colleges way back in 1995 and the situation remains so even now.

Listing other impediments, Panagariya said there is distinct lack of interest among professionals towards teaching profession and the salary levels are not comparable either.

“We also need to do something about the salaries paid to professors. Often, the best faculty and students walk out to work for the private sector,” he added.

He made it clear that NITI Aayog is considerate to the demands of the education sector.

“At NITI Aayog, we are very much sensitive to that. The Prime Minister has himself focussed on cooperative federalism. This is where Ficci can help NITI Aayog,” he added.

President hopes educational institutes improve ranking globally

President hopes educational institutes improve ranking globallyNew Delhi: Stressing on the need to improve the quality of teaching, President Pranab Mukherjee Monday hoped that educational institutes across the country will improve their ranking to be part of world’s best 200 universities.

Attending a function, the President underlined the need to focus on improving the quality of teaching, faculty and research in country’s universities.

Mukherjee said that in his capacity as Visitor of central institutions of higher learning, he has been repeatedly stressing on the need to have quality education and that universities should take the ranking process seriously.

He said it is not that our country lacks the requisite talent or merit. “Concerted efforts over the past few years have shown some good results and recently, two Indian institutions found a place among the top 200 universities as per an international ranking,” the President said.

He was hopeful of other institutes improving their ranks in the future, a release issued by Rashtrapati Bhavan said.

Mukherjee was speaking after receiving first copy of a book on “The President of India and the Governance of Higher Education Institutions” from the founding chancellor Naveen Jindal and founding vice chancellor Professor C Raj Kumar of O P Jindal Global University, at Rashtrapati Bhavan here.

The President congratulated the authors and the O P Jindal Global University as well as the international institute for higher education research & capacity building for bringing out the book.

The book provides an overview of higher education in India and includes chapters on the role of the Visitor; historical and legal analysis of the position of the Visitor in India; President Mukherjee’s initiatives for promoting excellence in higher education and reimagining Indian universities as world class universities by taking rankings seriously.

It also gives an insight on the way forward towards institution building for nation building.

“The objective of the book is to begin a discourse on the governance of higher education institutions. It recognises the importance of raising academic standards while promoting international benchmarks in quality, excellence and institutional governance.

“It particularly provides a glimpse of the contribution of President Mukherjee for his farsighted leadership and initiative in recognising that the future of India is significantly dependent upon our ability to empower the higher education institutions, which will help India establish a knowledge based society,” the release said.

Supreme Court voices displeasure over lack of teachers in Telangana

Supreme Court voices displeasure over lack of teachers in TelanganaNew Delhi: Education without teachers is unimaginable like existence of an individual in an atmosphere without oxygen, the Supreme Court has said while voicing displeasure over lack of teachers in Telangana.

“We are of the sanguine view that school education would become extinct without teachers and giving temptation to the students to come to school to play is nothing but an unacceptable apology for education.

“We say so as imparting of education without teachers is absolutely inconceivable like existence in an atmosphere sans oxygen is unthinkable,” a bench comprising justices Dipak Misra and P C Pant said after perusing an affidavit filed by the Telangana government.

The affidavit filed by the Telangana chief secretary said some of the schools in the state were functioning without teachers as educators were opting only for urban areas and better connected villages.

“Keeping in view the said situation, instructions have been issued that while transferring any teacher, if any school is left without any teacher, the district educational officer shall issue necessary orders to the effect that the junior most teacher will come back and work in the school from where he/she was relieved until alternate arrangements are made,” the affidavit said.

It also said the state government after going through latest student enrolment figures has decided to fill 7,974 vacancies by engaging vidya volunteers or academic instructors to overcome the problem of shortage of teachers which has been completed in all the schools.

To this the bench said, “We do not intend to say that we are really perplexed about the assertions made, but we cannot refrain ourselves from saying that it is quite surprising that a state is thinking of imparting education with such adhocism by engaging vidya volunteers/academic instructors.

“We have been also apprised that they have been engaged for a period of six months. This is a state of absolute adhocism which can never be appreciated,” the court said.

Noting the state of affairs, the apex court directed the state government to commence the process of appointment of teachers in primary schools within three weeks.

The bench also ordered the Secretary (Primary Education) of Telangana to file an affidavit regarding progress in the commencement of appointment process and also indicate as to how long it will take to fill up the vacant posts of teachers.

The observation came while the court was hearing a petition filed by J K Raju, seeking a direction for providing toilet and drinking water facilities in the states’ schools.