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  • March 25, 2018 03:36:47 PM
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A Little About Us

e Live Story is a magazine site for authors, writers and engaged readers who want to share their story with the world. We are more than just a news website, we are a multi-user content publishing platform designed for writers and readers. All creative writers who have some amazing pieces written can use e Live Story to share their work. You are welcome to use our online publication for publishing your intellectuals too.

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Tips For Grapping More Followers On Instagram

In the event that you are an online retail business and have extraordinary photographs of your item, you can profit by remaining on Instagram. Instagram watchers will offer input about your item through remarks, which is undeniably more viable than Pinterest, where clients are progressively loved and less Pinterest. The post Tips For Grapping More Followers On Instagram appeared first on...

Followers On Instagram

In the event that you are an online retail business and have extraordinary photographs of your item, you can profit by remaining on Instagram. Instagram watchers will offer input about your item through remarks, which is undeniably more viable than Pinterest, where clients are progressively loved and less Pinterest. Photographs on Instagram are normally less conventional, as innovative pictures are probably going to give more consideration. To buy auto Instagram likes is the option better for online business value and growth development.

On the off chance that you have an intriguing story to tell, Instagram might be directly for you. Instagram is exceptionally close, which is the reason superstars post their photographs and can immediately associate with fans on Instagram. Photos of your organization’s occasions, representatives, and their accomplishments associate with the crowd at a level where they see what’s off-camera.

For what reason ought to know about Instagram insider facts

Guardians may find that they track their youngster’s exercises online as they know about how they utilize internet based life stages, for example, Facebook. Actually, Facebook is never again the sultriest pattern for youngsters. The most recent rage has turned out with the utilization of this application called Instagram and keeping in mind that from the start it appears as though it’s only a basic and pragmatic approach to share photographs with your companions, there’s much more to it.

 Followers On Instagram

Resembles a Facebook expansion

Facebook really purchased Instagram for $ 1 billion and in all actuality, the application is fundamentally similar to an instructional class for acquainting kids with internet-based life organizing. This enables individuals to share photographs and like, remark and check what their contacts are doing simultaneously.

The most rousing aspect regarding Instagram is that numerous youngsters said they couldn’t care less much about Facebook in light of the fact that Instagram gives them all that they need and need.

Followers On Instagram

Indeed, even numerous private settings will show customized data

With the two security settings of this application, it is very evident that on the off chance that you pick the most astounding protection setting you will, in any case, leave a great deal of individual data behind. Everybody will most likely observe the substance of your profile and there are heaps of peculiar individuals out there splashing your children. We have all known about kids who are murdered and after that taken to their homes. You have to ensure that your youngster is shielded from the utilization of Instagram and how much data they are sharing on their profile.

Genuine companions and online companions

The distinction between being companions with somebody you have known for a considerable length of time and being ‘companions’ with somebody you know just through online collaboration. This is considering all the more disturbing when your companions simply begin adding somebody to Instagram to get an incredible rundown of ‘companions’ since it makes them feel exceptional. Ensure they comprehend the dangers associated with doing as such.

The post Tips For Grapping More Followers On Instagram appeared first on eLiveStory.


How Does a Personal Loan Impact Your Credit Score?

Apart from giving you access to a collateral-free high sanction, a personal loan can also help you improve your CIBIL score. The post How Does a Personal Loan Impact Your Credit Score? appeared first on eLiveStory.

personal loan

Apart from giving you access to a collateral-free high sanction, a personal loan can also help you improve your CIBIL score. If you are new to this term and are wondering ‘What is a CIBIL score’, read on to know more.

What is a CIBIL score?

In simple terms, your CIBIL score or credit score is a number that maps your creditworthiness. TransUnion CIBIL, one of India’s leading credit information companies, designates a CIBIL score for every borrower. It is a three-digit numeral ranging from 300 to 900, which CIBIL calculates considering your creditworthiness and debt repayment behavior.

Lenders consider a score of 750 and above as a good score. With a score like this, lenders will perceive you as a responsible borrower and consider you having a lower risk of default. With such a profile, you can negotiate the terms of any loan and thereby, get a cost-effective sanction on convenient terms. Usually, lenders are hesitant in offering a loan to individuals having a bad credit handling history, which is indicated by a low CIBIL score. In this case, they tend to sanction a loan charging high-interest rate.

After weighing these facts, you can clearly see how a credit score makes an excellent ground for lenders to evaluate lending risks associated with you. Just like a CIBIL score impacts your credit acquisition and repayment terms, a personal loan also affects your CIBIL score.

Here are 5 ways in which your personal loan affects your CIBIL score right from application to repayment.

personal loan

When You Apply For a Personal Loan

For every personal loan application that you submit, lenders request for your credit report from a credit information bureau. This request is termed as a hard inquiry and gets recorded in your credit report. Irrespective of the approval status, multiple hard inquiries made within a short timeframe indicate you as a credit-hungry borrower. Further, multiple hard inquiries also impact your CIBIL score as with each query your score gets reduced by a few points. To avoid such consequences, compare your options well, check loan eligibility online in advance using personal loan eligibility, and then apply for a loan for which you qualify quickly basis simple terms.

Applying for a personal loan also adds a variety to your credit mix, which is considered good by certain credit scoring models. In fact, credit bureaus allot 10% of your credit score based on your credit mix. Thus, applying for a personal loan following minimal inquiries will actually improve your CIBIL score.

When You Are Repaying a Personal Loan

When you make regular repayments on your personal loan, your credit score increases. On the other hand, irregular repayments will hurt your credit score. When you miss one or more EMIs, it is considered as delinquency. Though this doesn’t have a severe impact on your credit score, missing multiple EMIs will result in default. Further, if your loan is overdue for 30 to 90 days, it can cause serious damage to your credit score. So, follow a well-thought budget and pay your EMIs on time in order to improve your CIBIL score.

When You Take a Personal Loan For Debt Consolidation

Consolidating multiple debts into a single personal loan will help improve your CIBIL score. If you avail of a personal loan to pay off a combined debt, your credit utilization ratio decreases. Furthermore, when you repay multiple debts in a single go, your debt to income ratio (DTI) improves in the long run. Lenders also look at your DTI when approving your personal loan.

This is because a lower debt to income ratio suggests that you have an adequate income to accommodate all your EMIs. This reduces your chances of default.

A high ratio, on the other hand, shows that you don’t have enough income to accommodate all your repayments. This shows that you may default on the loan, which increases the lender’s risk. Though a DTI doesn’t impact your CIBIL score directly, it can lead to rejection, which shows you as a high-risk borrower.

Now that you know how a personal loan impacts your CIBIL score, use it to your credit by managing it responsibly. Whether you want to avail a personal loan for debt consolidation or use it to fund your child’s education, research your options well before applying. Consider applying for a personal loan with reputed lenders like Bajaj Finserv to access a high-value sanction of up to Rs.25 lakh on cost-effective terms, which you can repay via a flexible tenor ranging from 12 to 60 months. You can add more ease to repayment by opting for the Flexi loan facility on your loan. Here you can withdraw from your sanction in parts, multiple times and pay interest only on what you use.

Moreover, you can get funds in your bank within 24 hours. All you have to do is meet simple eligibility criteria and produce minimal documentation. Before getting started, check your pre-approved personal loan offer to view your customized deal and expedite your financing.

The post How Does a Personal Loan Impact Your Credit Score? appeared first on eLiveStory.


Fun at Parties: 8 of the Best Dice Games for Large Groups

Do you need fun activities for your next party? We've got just the thing. Keep reading to see the best dice games for large groups. The post Fun at Parties: 8 of the Best Dice Games for Large Groups appeared first on eLiveStory.

dice on the table

Everything is in place for your party tonight. You’ve got the pizza ordered, the decorations up, and the snacks on the table. All that’s left is to decide on the games that you’re going to play.

You need to pick something that an entire group can play and not get bored. Look no further than dice games. There are plenty of them out there and they’re not too hard to learn for those who have never played them.

To help you keep your guests entertained for hours, check out a few of the best dice games for parties.

1. Ship, Captain, Mate, Crew

For this game, you’ll need a cup and five dice. Each person is going to roll the dice to try and get a six to get a ship, five to get their captain, four for the mate, and the rest will be the number of crew members they will have.

You have to get the ship, captain, mate, and crew in order. So, if someone’s first roll was 6,3,2,1,6 they would have the ship but have to reroll when their turn comes around again to try for the captain, mate, and crew.

The winner will be the person who got their ship, captain, mate, and has the most crew members.

2. Left Center Right

Left Center Right can be played by three or more people. It’s made for those of the ages of 3 and up so it’s not hard to catch on to. The dice aren’t numbered like normal ones.

These have L, C, and R on the faces and dots on the remaining three sides. On top of the dice, you’ll be given chips. When you roll the dice if you get an L you’ll give a chip to the person on your left, if you roll and R you’ll give one to the person on your right, and if you roll a C you’ll put one in the center.

You’ll win this game if you’re the last individual with chips. As you can see, it’s one the more simple of the dice games but it’s fun.

3. Farkle

The best part of these dice games is that they are affordable because they don’t come with a lot of pieces. Farkle is no exception to this. It comes with a cup, six dice, and a score sheet.

Put the dice in the cup and role. The object of the game is to get the most points by matching the combinations that are on your scorecard. If you have a bad roll, you can put a few or all of your dice back in the cup and go again.

You’ll have to be careful with doing this. You don’t want to lose everything you worked for in a Farkle.

4. Yahtzee

Yahtzee is a classic that’s been around forever and it’s not going anywhere. Just in case you’ve never played the game, we’re going to go over the rules though. You’ll have a cup, dice, and a scorepad.

You’ll need to roll different combinations to rack up the most points within the thirteen rounds. Sort of like Farkle. If you roll five of the same exact number then you’ll get the chance to yell out “Yahtzee”!

5. Roll for It

Need a good game to keep the kiddos at the get together busy? If so then you’ll definitely want to pick up Roll For It. It’s a good game for 2-4 players and even though the recommended age limit for it is eight, younger children should be able to catch on to the rules.
To start playing you flip of three cards and then each player will roll their dice to try and match the values on the cards. If they manage to do it then they will take the card and get points. The first player to get to 40 points will be declared the victor.

6. Fill or Bust

Fill or bust can be played with up to 9 people so it makes a great group party game. The objective, like most of the games on this list, is to score the most points. You’ll play up to a certain amount of points that you get to set.

To play you’ll roll five dice to try and get a fill so you can earn points. If you’re feeling lucky you can roll again after your first one to earn even more points. If you don’t get a fill though, you’ll bust and lose all the points that you’ve earned.

7. Tenzi

A great party game needs to not only be entertaining for those playing. It should also be fun for those watching. Tenzi can give your guests the best of these two worlds.

Tenzi is both competitive and easy which makes it the ideal party game for big groups. Tenzi comes with four sets of ten colored dice. The object of the game is for everyone to roll their set until all ten dice are on the same side.

The first one who succeeds in this feat will yell “Tenzi” and win the game. This game is fast-paced so even though only four people can play at a time it’s easy to rotate turns so everyone gets a chance at it.

8. Qwixx

Qwixx is also pretty fast-paced. Each round only goes on for about 15 minutes. It comes with six dice.
Four colored dice and two white ones. You’ll roll all the dice and mark off the sum of the colored dice on your score pad while your fellow players can mark off the sum of the white ones on theirs.

The Best Dice Games for Large Party Groups

You’ve got everything in order for your party except for the games that you’re going to play. Head to a retailer to pick up one of the best dice games on this list before your guests arrive. Bring fun and life to your party.

Are dice games not something that your guests would be interested in? We’ve got more game ideas where this came from. Check out the entertainment section of our blog for more options.

The post Fun at Parties: 8 of the Best Dice Games for Large Groups appeared first on eLiveStory.


Top Reasons Why You Should Hire a NY Construction Lawyer

If you own a construction company, you are probably aware of all the intricacies that go into a project. Big or small, a construction project has several moving parts. It is a collaboration, not just with the owner of the building but with other contractors, architects, investors, and several others. In such a high stake […] The post Top Reasons Why You Should Hire a NY Construction Lawyer appeared first on...

NY Construction Lawyer

If you own a construction company, you are probably aware of all the intricacies that go into a project. Big or small, a construction project has several moving parts. It is a collaboration, not just with the owner of the building but with other contractors, architects, investors, and several others. In such a high stake venture, you must have someone on your side protecting your interests, hence the need for a NY Construction Lawyer.

A construction lawyer can assist you in various ways. Although it is not compulsory you hire one (since the law permits anyone to represent themselves in court) you will do yourself a whole lot of Good if you do.

Everyone involved in the construction project including individual workers, or large companies may require the services of an attorney at one time or the other. Below are some of the scenarios where hiring a construction lawyer becomes very important.

1. Creating contracts and reviewing them: this is the first and most important thing to do before work begins on any type of construction project. An effective contract covers all the terms of the transaction including the schedule, payments, materials and every other detail of the project.

Because the contract is an important tool for litigation, claims and other purposes, you must let a professional prepare it or have it reviewed by a qualified and competent attorney before signing the dotted lines. A lawyer will check the contract for loopholes and red flags and ensure that the terms favor you in case of a dispute in the future. A qualified lawyer will look through a contract and asses the strength and possible weaknesses of the agreement. He or she will also snuff out potential areas of contention and liabilities within the document.

For more on what lawyers look for when evaluating contracts, read here.

2. Dispute Resolution: disputes occurs quite often in the construction industry. This can be anything from a breach of contract from either party parties, professional negligence, or more commonly payment (or rather nonpayment) issues. Hiring a lawyer to represent you during litigation isn’t compulsory but it is highly necessary. Here are some instances:

  • Making a lien or bond claim: a claimant who intends to make a bond or lien claim does not typically need an attorney. It pays to have one on your side though but isn’t a rule.
  • Enforcing claims: a lawyer will almost always be needed if you intend to take enforcement action either in a bond claim or lien claim.
  • Retainage or prompt payment claims: these cases typically require you to take some form of legal action either in the form of a legal threat or an actual court case. For this, it is highly recommended that you hire a lawyer no matter how cut and dry the case may seem. In most cases, a letter demanding for payment sent with a by a NY construction lawyer with a legal threat is usually enough to resolve issues like this. But some cases still end up in a courtroom occasionally. Either way, the attorney’s job will be to help you find the fairest solution that will favor you.
  • Contract termination: even if your contract gives you a termination or escalation clause proceeding with this action or any other similar cause of action without caution might result in some form of liability. If you are taking this decision for any reason at all, we recommend that you have a professional look at the contract over and advise you accordingly.

3. Under the threat of a lawsuit: not every threat of a lawsuit can be taken seriously, but in most cases, only a professional can tell if there is a case against you or not. Hence, if you should consult one if you or your business is been threatened with one.

Read this article for a guide on what to do if you are being threatened with legal action. http://www.dmlp.org/legal-guide/responding-correspondence-threatening-legal-action

4. Guidance regarding permits, licensing and regulations: no matter the size of your construction project, you will most likely need to get a permit from local authorities before you can proceed. Attorneys can guide you through the process of obtaining land use, environment or workplace safety permits. Even if you can do this on your own, having an expert will sufficient knowledge of the state and national building code will no doubt speed up the process.

The post Top Reasons Why You Should Hire a NY Construction Lawyer appeared first on eLiveStory.


Useful Lifestyle Tips And Advice For Busy Working Women

A working woman is surrounded by a host of commitments and responsibilities. Family, children, cleaning cooking, office, career, and other social obligations – the job list seems to be endless. There is hardly any time left to spare or to look after herself or her body. In most of the times, modern women are found […] The post Useful Lifestyle Tips And Advice For Busy Working Women appeared first on...

working women

A working woman is surrounded by a host of commitments and responsibilities. Family, children, cleaning cooking, office, career, and other social obligations – the job list seems to be endless.

There is hardly any time left to spare or to look after herself or her body. In most of the times, modern women are found to be pushing themselves against the clock and tirelessly working to meet the given timelines. If you too follow such a busy schedule, you will invariably end up neglecting your health.

According to recent studies, it is highlighted that:

  • 70% of women ignore and neglect issues with their health
  • 40% of women ignore specialized care when they are detected with serious ailments and
  • More than 90% of women stay away from medication or any tertiary care.

It is high time that you follow the meaning of life and leading a healthy lifestyle. It is necessary that you know your worth and stands up for you. You can achieve this by making a few simple changes in your lifestyle. This will surely help you to adopt and lead a healthy life as well as prevent major diseases.

Few significant recommendations

These recommendations are typically for those women who have a family history of major illnesses such as diabetes, heart disease, obesity, cancer, hypertension, and kidney failure to name just a few.

  • Opt for healthy food: You should eat healthily and keep a balance with the food that is necessary and that are your favorites. While doing this, make sure that you eat in moderation and include everything from proteins to healthy fats and from smart carbohydrates to fiber. Stop dieting immediately and certainly do not skip meals. This will make it difficult for you to accomplish the nutritional requirements of your body and sustain a healthy weight.
  • Exercise regularly: Not only men, but women are also required to exercise on a regular basis doing a mix of cardio sessions, weight-bearing exercises, yoga classes, and aerobics at least three to five times a week. This will help you to prevent diseases, keep you fit and active. Moreover, exercises also promote good self-image and confidence which is not only important for your lifestyle but also for your mental health.
  • Get more sleep: If you want to stay happy and lead a good life you will need to have an adequate and sound sleep. If you get tired very easily or find it extremely difficult to get out of bed and cannot concentrate on your work, blame yourself for not sleeping as much as your body requires. Lack of sleep can put you at greater risk of psychological problems and heart diseases. Therefore, make it a point that you sleep more.
  • Plan your pregnancies: Pregnancy can take a heavy toll on you and therefore you should never get pregnant when you are not ready. Birth control will also help you to reduce the risk of ovarian and uterine cancer. In addition to that, it will also regulate your cycle.
  • Start intake of calcium: This is one thing that most women ignore. Do not stop taking calcium and if you have, start it today before it is too late. Add a few specific calcium-rich foods in your diet that are good for your health.
  • Schedule a doctor’s visit: Never ignore or delay visiting a doctor and always undergo a yearly preventive health check-up. If you are 21 years or older, make sure that you get a Pap test done every 3 years to check for cervical cancer. If you are between 30 and 65 years of age, you should get both the Pap test and HPV test done after every 5 years. Scheduled yearly check-ups and doctor visits will help you to know about several other medical issues such as infections.
  • Consider family history: If your family has a history of any chronic disease you must also opt for specialized tests. Nowadays, you can get genetic testing done so that the doctor comes to know about any chances of breast cancer, ovarian cancer, or any other chronic diseases and assess the risk and consider the necessary preventive measures to take.

According to a new study from Northwestern University it is found that it is never too late to make any changes in your lifestyle habits. This study shows the ways in which you can reduce the risk of developing heart disease with some simple lifestyle choices. These steps will prevent and even reverse the progress of any coronary artery disease, which is the leading cause of death in the United States.

The facts to know

The good news of the study is that making lifestyle changes in the 30s or 40s can add years to your life by reducing the risk of heart diseases, provided you stick to it.

The bad news is that it is found that developing more unhealthy habits is a common thing when people older. This may have a significantly detrimental impact on coronary arteries.

However, the study shows that every increase in maintaining a healthy lifestyle will reduce the odds of detectable coronary artery calcification. It will also lower the chances of intima-media thickness. These are both indicators of cardiovascular disease that may increase the potential risk of having a heart attack.

Changes that prolongs the life

There are five specific lifestyle choices to make that will help you to live longer. These are:

  • Maintaining a healthy body weight
  • Not smoking
  • Engaging in moderate to vigorous physical activity every day for at least 30 minutes
  • Consuming no more than one alcoholic drink in a day
  • Eating a healthy diet with less or no processed foods that include high fiber, low sodium, and lots of fruits and vegetables.

However, you can choose any other way to change your lifestyle but make sure that you do not choose just the way you choose your dress or your bra referring to the bra size chart us. In case of any doubt, consult a professional dietician so that no essential nutrients are left out of your diet.

The post Useful Lifestyle Tips And Advice For Busy Working Women appeared first on eLiveStory.


Snagfilms Review! Stream Movies

Snagfilms is a website where people can watch thousands of free movies online. Many TV shows are also available. The movies have ads but their duration is short and also have very less quantity. The quality of movies is very high and streaming them is very easy. Here is a short review of the website. […] The post Snagfilms Review! Stream Movies appeared first on...

Stream movies

Snagfilms is a website where people can watch thousands of free movies online. Many TV shows are also available. The movies have ads but their duration is short and also have very less quantity. The quality of movies is very high and streaming them is very easy. Here is a short review of the website.

Organization of movies

Users can find a list of movies, which they can watch online. There is a section on the website where new and popular movies can be found. There are various genres available and movies can be chosen from them. These include documentary, crime, Latino, African, health, food, and many others. There is a separate collection and of movies that do not belong to any genre but are popular. SnagFilms also has the feature of suggesting stream movies of the same genre, which users choose for watching movies.

Quality of movies

The quality of the videos available on the website is very high and people will have a good experience while watching the movies. The movies are available in 720p or 1080p.

Player of the website

The video player on the website has many features. There is a slider in which users can use to increase or decrease the volume. The movies can be seen either on a slim screen or in full-screen mode. Another option available is changing the quality of the video. One thing that lacks in the player is the subtitles, which are available in some other websites.

There are many options, which are available below the movie. One of these options is sharing the movies, which users can do on various social media sites like Facebook and Twitter. If a user has his website, he can embed the video on that website through the embed option. Registration is not required for watching the movies but if the users do so, they have the option of putting those movies in queue.

Advertisement

Websites that provide free stream movies have to keep ads in between the movies and so does the SnagFilms. The quantity of ads is low and they are of very short duration. There is no indication of the placement of ads but users can see maximum two or three of them only.

Buffering

Users can see movies without facing any buffering problems. The videos can be streamed at any quality and buffering will be done very easily without any problem. The videos will not stop in the middle for buffering. Users can fast forward the movie or pause it and it will be buffered without any issues. If any error occurs while buffering, users can refresh the page. In such a case, the movie will start from the beginning, which can be irritating.

Apps of the website

SnagFilms has free movie app which users can download on their mobiles and enjoy various features of the website. In order to let the app work, users have to create an account by using Facebook, Twitter, or Google. There is an option of skipping up the sign-in procedure and still, users can use the app. The app has a categories section in which there are many genres and users can choose the movies from them. The video player options of the app are not the same as those of the website.

SnagFilms Library

There is a huge library where people can find many movies of their choice. Documentaries are also available to watch. The website also has underrated and old movies. There is a section that belongs to the movies of those actors when they were not famous.

The user interface of the website

The user interface of the website is very simple and easy to use. Searching movies and documentaries is easy. Though users can watch the movies without signing up if they do so, they have the option of queuing the movies. People do not have the option to rate the movies nor any sorting option.

Final words

SnagFilms has a huge library and users can choose the stream movies from their favorite genre. The video player has many options and users can change the quality, increase or decrease the volume and share the movies. Since the website is free, so it adds advertisements in the movies, which are few in numbers and short in duration.

The post Snagfilms Review! Stream Movies appeared first on eLiveStory.


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