A bit more of me

Social media lover. Passionate explorer. Amateur Equestrian. Travel advocate. Webaholic. Extreme communicator. Entrepreneur.

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Love Horses??

Well so do I. If you would like to know more about them and other things in this blog then please start here and do let me know what you liked/hated.

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Get in touch

I would like to know more about you and indulge in an discussion. I am a good listener and communicator.

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Make Birthdays more Special with Book a Flower Bouquet

Flowers are the most beautiful gift a person can receive irrespective of the occasion. Birthday gifts are a confusing matter, if do not have time to personally handpick a gift then sending a lovely bouquet to your friend, family member or spouse is a lovely way to attract their attention and make a special statement.

How to order flowers easily online? It is impossible to find a place which delivers the flowers you order on time and in a professional manner. Book A Flower is one of the few rare joints that value their client base and offer every opportunity to indulge in gifts.

Some wonder if bouquets are ideal for birthday gifts. Imagine a midnight delivery of a bouquet of roses, lily or orchids to a spouse. This will be a wonderful surprise and ensure an unforgettable start to their day.

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Selecting the bouquet:

If you have made up your mind about sending flowers on the birthday of a loved one it is time to decide on the flowers you want. There are several ways to approach this decision. Some common ways are:

  • One kind of flower
  • One color pallet
  • Mixing it up

With Book a Flower all these options are available. Take a look at some designs of bouquets on the site and choose one of them or make your own unique design. Start planning and order the bouquet now!

No birthday without cake:

Needless to say if you want to plan a surprise birthday party for your friend then a cake is must. Usually flower selling joints stick to one medium but with some unique options there is a chance to get designed cakes for your friends or family too.

The exciting part about this is that you could order both a cake and flowers and get it delivered to your long distance boyfriend or parents from abroad. Can a gift get any more perfect? Start ordering presents now!

Customer satisfaction:

When it comes to sites selling gifts like cake or flowers it is important that they value the customer. Book a Flower and a few other select sites understand that the customer needs to be made happy to build a strong base and ensure that people come back.

Find a flower delivery source that delivers your flowers, offers some extra benefits like cakes and ensures flawless fresh deliveries at affordable rates on time. Choose wisely and surprise loved ones!

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Steps To Take To Avoid Getting Bankrupt

The SMS loan is a way to live for many people. Sometimes, it also leads them to bankruptcy. In such situation, they start to panic because they don’t have much idea about how they can avoid this situation. Here are a few steps that will help you to know how you can avoid bankruptcy.

Ask your family and friends

First of all, ask your family and friends to help you to pay off your Phone loans. Ask them to help you financially as much as they can so that you can avoid bankruptcy. Borrowing money from family or friends is not a bad idea. One thing you must keep in mind to return their money as soon as you get some.

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It will don’t create any rift between you and your family or friends. Usually, people avoid borrowing money from friends and relatives for paying off their Phone loans. There is a high possibility of having rifts and misunderstanding between each other.

Sell your assets

A next step to avoid bankruptcy due to Loan by phone is to sell your assets. You can sell whatever additional assets you have. Use this money for paying off your loans. You have to take immediate action when you can’t afford to make your loan payments. If you wait, then you will fell behind the lump of overdue payments. It may be too late for you to react when you already have a bunch of due payments.

You can sell anything that has some value like furniture, electronics and jewellery on various online portals to pay off your Loan even this can work for you. Many people believe that it will be inconvenient to live without their possessions. It will be more uncomfortable to live bankrupt.

Settle with debt collectors and creditors

Another way to avoid bankruptcy is by settling your SMS loan. However avoiding bankruptcy is not easy yet you should try everything you can. If you have to make, a choice between bankruptcy and settlement choose settlement. The most important thing here is to do it correctly.

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How to Calculate Your Credit Score?

A financial institution is an institution which serves as an establishment which pools in the money of the public by accepting deposits from them and grants loan to the public and other companies in the market whether short term or long term based on the type of loan being availed. Loan by phone is a new trend of requesting for a loan and getting the same granted.

Services rendered by the banks for the beneficiary of its customers.

A loan is an amount of money which is borrowed or taken from a friend, relative or a financial institution like a bank expected to be paid back later along with a certain charge on the principal amount which is known as interest. When a customer requests the bank through phone loans, the bank immediately checks the details and income status of the customer on the basis of which whether the customer is eligible to be granted that loan or not depends.

loan by phone

SMS loan have nowadays become a new trend where the customer can request for an amount of loan from the bank just by sending an SMS to the bank. Now coming back to the point, the creditworthiness of the customer is checked by the bank using various information and upon various observations and assessments; the bank calculates the amount which can be granted to the customer at the fullest and these marks in the way for a credit score.

What is a credit score?

A credit score is a mathematical expression and formula used to calculate the creditworthiness of a customer asking for a loan and based on which, the customers are either accepted and granted or rejected for the loan asked for. Who calculates all these? The banks or the money lenders in general who are willing to provide a customer with an amount as loan calculates the income style and all other relevant information of the customer using the scorecard based on which the customer who places a loan request via SMS loan, can get the loan sanctioned, the credit score assures and calculates the various determinants of loan as in the rate of interest of the loan that must be charged, the term period of the loan to be provided, and all other credit limits that the customer is to bind by.

Loan by phone

How to calculate the creditworthiness using the credit score?

The credit score of a person also can determine the acceptability of a customer’s credit card usage. As a credit card facility is almost akin to a loan provided the only difference is that, in case of a credit card, the amount is generally less while in case of loans, the amount can either be less or more. The credit score of a customer can be calculated as,

  • The payment history of customer who has availed for a loan by phone, the records of the customer’s payment history makes up to 35% of the total scorecard, the faster you repay the bank and get your liability drawn out, the better shall be your credit score.
  • Second, comes the total amount actually lent out to you by the financial institution or the money lender. This makes up to 30% of the scorecard. This is often associated with the different accounts held by you and also the income of the individual, if there is high revenue and also a high loan from the same individual, the score drops abruptly and vice-versa.
  • Third, comes as for how long the credit is to stay in an individual’s liability count, the longer is the period, the higher will be the score and vice-versa, this makes up to 15% of the total credit score.
  • The various types of accounts associated with that particular financial institution or any other become a factor to improve the score rating which is 10% of the total credit score.
  • Lastly, any kind of credit activity either by requesting phone loans or using the credit card also renders an upward rise in the rest 10% of the credit score.

Thus in this way, the banks or any kind of financial institutions or money lenders calculate the credit score of an individual or of a company and rate them accordingly which serves as a basis for future loan grants. The better the credit score, the faster the loans shall be granted. So, increase the ratings on your credit score and get loans granted faster.

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3 Most Important Design Rules Compiled from the Best Web Design Tutorials

Online tutorials are a great resource for learning just about anything. The internet is full of web design tutorials that serve as the perfect starting place for beginners.

In fact, even professional web designers can use these tutorials to brush up their domain knowledge. However, most professional designers will not have the time to sit through hours of footage.

One can find here the 3 most crucial design rules that feature in pretty much every tutorial on web development.

1st rule – Make it as easy as possible for users

Good design is one that is self-explanatory and doesn’t require users to think too much. If the architecture of the website isn’t intuitive, it will increase the bounce rate of the website and lower its Google ranking.

Therefore, a designer’s job is to make the layout of the site as simple and easy for the user as possible.

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2nd rule – Focus users’ attention to key areas

Another important requirement of good design is that it focuses the attention of a user on things that need focus. There are certain parts of a website or certain services that users need to be directed to. A web designer can achieve this by having the right balance, colour and overall design aesthetics.

3rd rule – Don’t test the user’s patience

The final basic rule of a good design is not to try and test the user’s patience. What does this mean?

Loads of sites on the internet require users to sign up or provide some kind of information before gaining access. This most definitely is part of acceptable design as it will put off the user and cause him to turn away from the site. Make sure that the design of the website is such that users have optimum access without needing to be excessively patient.

Every designer must keep in mind these basic rules while designing for a website. The importance of these rules is such that they are highlighted in most web design tutorials or PHP tutorials as well.

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7 Key Principles of Web Design Tutorials Should Address

Web design tutorials are meant to aid people in their website designing journey and give their ventures an online identity. Be it CMS or IDE, most text or video tutorials focus on the technicalities rather than the aesthetics.

However, designing a webpage is not about just watching a video and stacking up codes to make a basic design. There is much more than which meets the eye – These are known as principles. Implementing the right principles at the right stages of development makes for websites which are aesthetically pleasing and highly efficient.

So, what exactly are these principles? The rest of this article will strive towards providing that very answer to its readers.

#Principle 1: Applying Visual Hierarchy –

Certain portions of a website are more important than others. It is crucial that visitors take notice of them without any effort. This is known as visual hierarchy and this is what a proper designing tutorial should project to its readers and viewers.

A video tutorial for instance should stress on the placement of the call to action button while guiding through the designing process at the same time. It will ensure an efficient development process.

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#Principle 2: Hick’s Law –

According to Hick’s Law every additional choice makes it more difficult to decide. In simple terms, web designing lessons should avoid incorporating a horde of menus and submenus.

This is because; multiple menus drown the importance of options. Such a design makes it difficult for users to choose a service, hence often leads to negative results. This is one important designing guide which every tutorial should incorporate within its lessons.

#Principle 3: Size of target areas –

More than 33% of online users leave a website because they can’t find the desired menus easily. One must remember that the lesser time a user takes to hit his desired button on a website, the more time is he likely to spend on that URL.

So, web development tutorials should focus on educating their readers and viewers on the efficient placement and distribution of information on a website. One’s primary target of web design is to bring customers and readers to his site and an efficient design will aid him in attaining this goal.

#Principle 4: Rule of Thirds –

Each web page is ultimately a frame holding a creative design. So how can one forget the rule of thirds while designing a website? This rule divides a web page into 9 effective blocks and highlights the placement of subject and free space over the page.

Simply put, a tutorial should project the proper placement of an image, its associated texts within the page. It must also provide a clear specification of the optimum text to graphics content while providing designing guidance to its readers and viewers.

#Principle 5: The law of Proximity:

Spacing is the key term here. Imagine a website which provides a litany of information on its home page but cramps up the contents together. This is a big no when designing an efficient website. Web design tutorials should lay special focus on this aspect.

Just as too many cooks spoil the broth, similarly too much information on a single page messes up the entire designing structure. Instead it is recommendable to evenly distribute contents over the space of the page so as to device an aesthetic look.

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#Principle 6: Symmetry plays a key role:

There’s a reason why center aligned designs are popular – they define symmetry. Let’s consider PHP in this respect. Websites having PHP often tend to incorporate Infographics in their content.

So, PHP tutorials out there on the web must highlight the importance of symmetry to its readers. It not only adds a neat look to the website, but also attracts more visitors to the online venture; thus solving its rightful purpose.

#Principle 7: A web design should be continuous:

Designing a website should be such that it holds a visitor to the site for as long as possible. By a continuous flow one means that precise placement of redirecting links and call to action buttons effectively helps in holding a visitor to a website.

While not many web design tutorials focus on this point, experts recommend it as one of the most vital aspects of designing an aesthetical pleasing website.

The above 7 principles are some points which every efficient web design tutorial whether text or video must incorporate in its guidance. A complete implementation of these will create designing lessons which will be much more complete and comprehensively detailed.


Starter in Horse Racing? Here’s the list of top horse races!

For all those who have plans to start learning about horse racing, there are a couple of facts to remember.  Unlike any other on-field game, racing of horses require high-octane energy and follow a particular rhythm. Apart from that, as you head to the tracks, you need to note the program as well as format of racing, so that you can bet on these races.

One of the most popular games since centuries, these racing events are global events. Also, its diversity can be found in the manner, in which, racing in the USA differs from that of UK.

Before you place other queries, here’s a list of ALL THAT YOU WANT TO KNOW about this event! Take a look!

Types of horse races:

The specific types of horse races are:

  • Steeple chasing
  • Harness racing
  • Jump racing
  • Quarter horse racing
  • Endurance riding

A little more about them:

  • Steeple chase is a specific distance race wherein the racer has to jump over diverse fences and other ditch-type obstacles.
  • In harness racing, the concerned horses hold a particular gait as they move forward with a two-wheeled cart to win the race.
  • One of the best games played during the span of autumn-winter-spring, jump racing requires the concerned jockey and horse to jump over certain hurdles and fences.
  • Quarter horse racing, as per its name, puts up a sprinting race for the horses for close to a quarter mile.
  • One of the most prominent long distance races, endurance riding requires horses to cover certain controlled distance under the command of the jockey. As per its name, it tests the endurance level of the horse.

What a successful horse racing needs:

What you must note is that racers do not use random horses for racing. There are specific horses bred for racing, and specific organizations invest ($50-$200 mostly) on them. As a novice, you must be careful about the money you are investing and returns you get. For some more quips, you can click on to FhtCl.com!

Here are the Different Types of Best Kitchen Faucets

Kitchen faucets are a very important part of the kitchen. The kitchen faucets these days, are available in a wide variety of colors, styles and designs. As a result, there is often a tendency of the consumers to buy a product that is beautiful and stylish.

But often after buying the kitchen faucet one is not happy because though he or she has been able to get a kitchen faucet that complements the look of the kitchen but has not been able to buy the one that suits his or her purpose.

So before one buys the best kitchen faucet it is very important for him or her to know about the different types of kitchen faucets available”

  • The single handle kitchen faucets

These are the most basic type of modern kitchen faucets and are also available at quite a low price. These faucets control both the stream as well as the temperature of the water. In order to install this kitchen faucet one simply needs a single hole and therefore the installation procedure is quite simple.

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Maintaining these kitchen faucets is also quite simple because they can be cleaned quite easily.

  • The dual handle kitchen faucet

There are number of holes required to install these kitchen faucets. So installing this faucet requires a lot of labor. The most important advantage of using this type of kitchen faucet is that, the operator is able to control the water flow as well as the temperature.

  • The Kitchen faucets with a side sprayer are considered to be the best kitchen faucet

These types of faucets are available in a variety of styles and designs and are also the most affordable kitchen faucets available.

  • Pull down faucets

These kitchen faucets come with a sprayer that is detachable. One does not have to twist the sprayer. So they are quite suitable for people who are suffering from arthritis.

  • Pull out kitchen faucets

These kitchen faucets have a long hosepipe that makes it ideal for filling up the pots that are in the sink as well as outside the sink.

So when buying kitchen faucets it is crucial to keep the above points in mind. Doing this will help one to buy the best kitchen faucets 2017.


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Checkout Vital Points Before Buying the Best Kitchen Faucet

Is the old faucet not working properly? How many times are you going to repair the old faucet simply? It is time to invest your money and get the best kitchen faucet that is available on the market.

Coming to buying a new faucet, it is not about the money or the color only. Rather, it is about the performance that it is going to give. Faucets need not only look good and not be of any use after a short time period. So why not invest in a faucet that is going to give a long time service and bring glamour to your kitchen instantly?

Here is everything that you need to know about kitchen faucets before making the purchase.

Modern kitchen faucets

The modern home needs a modern faucet. However, that does not mean that the antique designed faucet that you have been saving up for is not worth buying.

What a modern faucet should offer is updated features that the new technology offers. If the faucet that you are looking for is not offering those features, then it is better to look for a different one who does. The logic behind such a step is simply that of consumer satisfaction.

An older model is not going to provide the user with new details which almost every current model brings in.

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Aspects to look out for before purchasing a new faucet:

As of now, there are certain features that the best kitchen faucets 2017 offer.

  • Handles:

There are three variations that you can choose from.

  1. Single handle – simplest one among all the others. It is the most traditional one among the rest and hence has no new budding feature. Turn on the handle to use it.
  2. Double handle – has a handle on both sides and comes with temperature control. Each handle represents either hot or cold. Turn the knob on the side which temperature you wish to use. Battery operation may be present.
  3. Automatic – a more new technique of using the water is here where one does not need to turn on the faucet by handling it themselves.

Note: the handle of a faucet determines how easy the cleaning process is going to be. Most convenient type is the automatic faucet. Among all the top rated kitchen faucets it is the automatic one that is expensive. You can be certain that it is the automatic one that can save a lot of water from wastage, as it is activated by sensors.

A single handle faucet may be the most economical one. However, the double handle faucets are taking over in the popularity ratio. Double handle faucet bridges the gap between too expensive automatic faucet and very bland single handle one.

  • Finish:

Now comes the part which you were most excited about. The finish is all about the color and looks of the faucet. There are many different shades to choose from.

Note: the price of a faucet depends on the finish a lot too. That is the factor which makes a simple faucet, the best kitchen faucet for usage.

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  • Sprayer:
  1. Simple sprayer – the most traditional type of sprayer where the head of the sprayer is fixated or is unified with the faucet body.
  2. Pull out or down sprayer – a user has a more steady control over the water low. The sprayer head can be dragged outwards or downwards. This allows the user to get a closer clean on dirty dishes. The best part about this particular faucet head is that there are both stream and spray modes by which dishes can be better cleaned.
  3. Side sprayer – the spray head has an additional side sprayer that ejects water by sprinkling over the washed item.

Note: choosing the correct sprayer is a very important factor. Pay good attention to your demand. A pull-out spray does not spurt out droplets here and there. A user  can pull and drag the head of the sprayer in whichever angle that they wish to.

Apart than these, every interested buyer can get an idea of how long the faucet arm should be. That is however dependent on the pressure of household chores and its leverage.

An individual can look up the reviews and product specifications which are available on various sites for the best kitchen faucet too!


Know the Progression of the Working Procedure of Horse Racing Federations!

For your information, there are not just business deals that make the world go around! The California Chrome horse commanded $40, 000 per race during its peak stage. For the upcoming Breeders Cup Classic, you are planning to invest on the latest set which is participating. However, whom should you consult to start off this procedure? An important point to note – the horse racing federations have their own laws and must maintain certain stakes.

Interested to know in detail about how horse federations operate? Read on!

Insight into the horse race federations

There are specific racing authorities that conduct the whole process. Back in 18th century, there were English classic races, and next in the 19th century, the French classics came to forefront. These jockey clubs have their own set of rules, and then in 2006, the powers (at least in England) were transferred to Horse racing Regulatory Authority.

The French domain had France Galop while for American horse-riding arena there was the private North American Jockey Club. There is an International Federation of Horse racing Authorities, which is the umbrella organization and under that, the jockeys function. The issues that people discuss are – breeding of horses and horse racing events.

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Functioning of the horse federations:

Queen Elizabeth’s stakes sponsor the Durban season of racing. Similarly, in the United States, the wagers offer stake money from purses.

The wagers play an important role wherein – bets were placed on first 3 horses (win/place/show) format. Apart from racetrack managements, the other options are – common betting pool (top 3 places share the profit with a management cut). If that’s not all, specialty wagers offer high payouts for these games.

In current times, government organizations are an important segment of off track betting, with online investment getting prominence.

Note: Did you know that horse racing follows a set of 12 Articles as stated by International Agreements? So before you jump into the track, do get the details right.  Nobody should violate the norms.

Check the Most Popular Horse Racing Events Before You Attend One!

Are you aware that the California Chrome may come back to the racing fields in 2017? One of the oldest and most popular games on this planet – horse racing is the only sport that competitively allows both sexes on the same field. There are a number of events that are held on an annual basis, with millions riding on these horses.

 Want to have an idea about the top racing events in this field? Just scroll down the content and you will get an insight into some of the most popular events in this equestrian field!

The top horse racing events:

  1. Kentucky Derby:

    kentucky derby

This is the most famous derby races held on May’s first Saturday with a prize purse of $2 million. From its first run in 1875, it still leads the America’s Triple Crown race. This is also the biggest gambling draw of current times with a record $133 million wager in 2015. The best horses are part of this ‘Fastest Two Minutes in Sports’!


  1. Dubai World Cup:

This is one of the richest racing events with participation of the best horses with a prize purse of $10 million. This is held on the last Saturday of March at the Meydan Racecourse, and for a track of 1.25 miles, the three and four years bred old horses run this race.


  1. Prix de L’Arc de Triomphe:

    Qatar Prix Arc De Triomphe

This comes on the first Sunday in October, with prize money of $5.5 million. This 1.5-mile race has been in the yard since 1920 and three-year-old horses can participate in this race. Amidst a number of positives, this is run on the richest turf of the world.


  1. Epsom Derby:

The oldest race on this list, this commands price money of £1.325 million and is the most prestigious flat horse racing event.

 If you have gained a sudden interest in visiting the tracks this season, do get the tickets on time! After all, those horses bred for racing will not wait for you in their tracks? Visit the tracks and enjoy the day.