bake Choco Marie Biscuit Cake

Marie Biscuit History and Dishes

Marie is a lightweight biscuit made from wheat flour, sugar, vegetable oil and vanilla essence. Usually, it is round in shape and extensively used by the Indian people in daily routine. This biscuit is commonly consumed along with the tea.

Marie was initially famous with the name biscuit Maria. This name is derived from Russia’s Duchess Maria. The wedding of Marie was the birthplace of these biscuits as an English baker make these sweet round shaped biscuits and named them “Maria.” Marie biscuits can be used to make different dishes. Some people use it as the first substantial meal for the infants. Find below the list of some delicious goodies you can make from Marie biscuits:

1)    Marie biscuit cake: Marie biscuit cake recipe is an incredibly delicious way to make the cakes. This is the popular dessert of India as the main ingredient of the dish is commonly available in every house. If you are new to cooking and not much aware about the food processor, then this is the perfect recipe for you. With some ingredient, one can make a delicious cake with great taste, which can beat the taste of any dessert shop.

2)    No-bake chocolate pudding: If you are searching for the dessert that can be prepared with the accessible home ingredient. Then this pudding is one of the best options one can have. This is a simple recipe and a great choice for the parties and gatherings. This dessert can be made without the help of oven or microwave. Those people who don’t have the accessibility of oven/microwave can go for this wonderful preparation.

3)    No, bake Choco Maria Cake: For learning ‘How to make no bake Choco Marie Biscuit Cake’ some websites are available.  Everybody love desserts, which give long lasting and lip smacking taste. Whenever you want to prepare something cake-like but not in the mood of using the oven, this is a perfect dish for that time. You can make varieties of cake using different flavours like orange zest, rum, and dry fruits. Usually, people like to keep it simple and enjoy its chocolate rich flavour.

4)    Baked Marie biscuits Cheesecakes: This melt-in-mouth dessert has a yummy flavour. It is made by the crushed biscuits and topped with cheesecake mixture. One has to bake them till a perfect texture is acquired.  To enhance the flavour or texture of the cheese cake, one needs to add cottage cheese to the mixture.  This preparation is good for small home parties.

5)    Mixed fruit and jam biscuit pudding: Nowadays, people like to have dishes in a variety of flavours. This dish is the result of fusion cuisine. This pudding is not part of particular cuisine style. This is the term used to define the number of innovations. There is no baking and or complicated procedure to have this delicious recipe. This is a very straightforward and tasty fruit pudding for kids.

Some other famous dishes that can be made using Marie biscuits are Marie biscuit Choco logs, Marie biscuit milkshakes, Nutty, fudge brownies, Chocolaty balls and Marie biscuit party snacks.

Personal Loan

Applying for a Personal Loan? Be Sure to Check Your Eligibility

There are numerous reasons why an individual might feel the need to apply for a personal loan. One of the best parts of availing a personal loan is that you can use the proceeds of the loan in any way that you see fit. The funds that you receive can be used to renovate your home, or to pay for your child’s education, or even for a car repair.

One of the terms that are commonly used with personal loans is the rate of interest. When it comes to the rate of interest, it is important that you avail the lowest possible rates as the Equated Monthly Installments (EMIs) that you’ll pay will be included as a huge part of your monthly expense. If you avail a personal loan with low-interest rates, it will help you save a lot. But availing a loan isn’t as easy as it is said; there are a lot of factors considered by the banks before they approve your loan application.

There are a lot of things that can affect your personal loan application approval. Here is how you can check personal loan eligibility.

  1. Credit Score:

One of the most important things on your application is your credit score. That is the first thing that is checked by the bank when you apply for a loan. Your credit score is important to the financial institutions and lenders because it helps them decide your creditworthiness and repayment capability.

The Credit Information Bureau of India Limited (CIBIL) keeps a track of your credit history.  All the financial institutions and lenders acquire your credit history from CIBIL. Your credit score is affected by a lot of factors. If you have defaulted on repayment of your previous debt then your credit score will be affected negatively, whereas, if you have paid all your dues on time them your credit score will be affected positively.

The CIBIL score ranges from 300 to 900 and financial institutions and banks are more inclined to approve your loan if you have a good score, i.e. above 750.

  1. Age Factor:

Age is another factor that is taken into consideration when approving your personal loan. If you are nearing your retirement, not a lot of financial institutions or lender will be forthcoming to give you a personal loan. This is because since you will retire soon, your only source of income will be your pension unless you decide to become a consultant. Your pension will be comparatively lesser as compared to what your monthly salary was.

Taking a personal loan 10-15 years before your retirement is a wise option since you will be able to repay all the debt by the time you retire. Your personal loan will be approved faster if you hold a stable job and have been earning for quite some time now.

  1. The Tenure of the Loan:

The loan tenure also affects your personal loan approval. If you avail a loan for a shorter period of time, your personal loan will be approved much faster and the EMI that you’ll have to pay is high. If you apply for a longer tenure of your personal loan, the EMI that you will have to pay is less.

The process of availing a personal loan has undergone a lot of changes since there is an increase of competition in the market. You can avail a personal loan anywhere between 5 lakhs and 1 crore. Different banks offer a different rate of interest and hence it is necessary that you do a proper research and only then avail a loan that has a low-interest rate.

Audi Greensboro

2017 Audi A7- How It Makes Its Place Easily Among Your Top Favorites

When it’s an Audi, you don’t need any reason to stop, think and then buy it. It’s the brand and its credibility over decades that is enough to have one of their vehicles. As of now, Audi Greensboro has got a complete series of vehicles in line for 2017 and it would be indeed tough to choose the model that would best serve the purpose. But there are some car enthusiasts as well who would not buy a single model without pestering the representatives with questions and find every possible reason to buy any particular model. Continue Reading

Hiring Process

What Changes Can Make Your Hiring Process Better

It takes an expert to hire the right person at right time. Hiring may seem easy but is one of the toughest tasks that take place in an organization. Lakhs of rupees are invested every year by your organization into recruitment. And every wrong hire is a loss, every turnover is a loss. For this reason, your hiring process needs to be fool proof. If you have no strategy for your hiring, you will be stuck with wrong people. Most organization have a slow hiring process, while others lack consistency in their selection process. And also with changing time, and such advancements coming in all aspects of working with an organization, HR’s approach needs to change.

These changes and new approaches to recruitment and talent acquisition are essential. Employees need to be searched for differently, differently developed and retainedas now employees have more options to choose as to where they want to work and how. The recruiters need to understand what they want and find the right way to attract and retain them.

A Blog for Careers

Employers have to post about requirements’ for jobs on social media sites. Instead of repeatedly posting on these sites a blog completely devoted for hiring purpose can be created. This will not only make the task easier but will provide a better platform where job seekers would subscribe for latest details on current opening. It will provide a single window for all.

Establish A Set Interview Process

Candidates prepare for their interviews and are well versed with what basic things they need to answer and also with their subject details. So is needed from the interviewees as well. They are also required to prepare so that they can get all the details they need.

Recruiters need to design interviews according to the jobs to engage applicants and judge them on all parameters. Interview tests for Managerial Skills require a different set of questions while interview tests for Programming Skills will require different.

Change in Technology

Digital skills are a need of the era. Most jobs require digital knowledge and it will become tough to find employees who have such knowledge and it would be tougher and costlier to train them. While on the other hand the employees having technical knowledge would require updated and efficient technology to work with. And if the infrastructure that your firm provides is inefficient for the technological advancements, employees would leave and join places they would be provided with updated technologies to work on.

Provide Internal Mobility

Companies don’t need to go out to look for every new position. External hiring being a default option is a wrong notion. Internal hires are more accepting towards challenges. They are ready to be stretched as they know it will help them grow. Recruiters need to access those candidates who are eligible and realize their potential. It reduces both costs and also boosts employee morale. It also gives a competitive advantage.

 Have Clear Definition of Talent

In today’s modern market the most misused word is talent which gets wrongly understood as someone highly potential or skilled. But it is just used to represent the right fit for a job. Talent is just those set of skills required for a particular job. These skills can be judged through tests or interviews like interview tests for Programming Skills can test whether a person has the talent to work as a software developer.

Make your requirements clear, give people a platform to show what they can do, recruit for what you need in future and not what could not be done in past.

applying for a Home Loan

Benefits for Women applying for a Home Loan

Around a decade ago, it was unusual for women to take a decision pertaining to finance. Most of the women even the working ones were heavily reliant on men when it came to financial investments such as insurance, investment and taxation. The only form of investment in which women actively used to take part was buying gold. However, the investment landscape has changed in recent years. Back to back initiatives taken by the ruling governments to encourage women to invest in financial sectors has paid off.

More women are inclined towards investing and making the decision independently. The situation has changed considerably, and women nowadays are open to taking risks and investing in not just financial market but real estate market as well. To encourage it even further, financial institutions are offering exclusive benefits to women to enhance their involvement. Among the benefits that are being offered to women, here are several outlining ones:

Rate of Interest:

When applying for a Home Loan, the rate of interest is considered to be one of the most pivotal factors. The interest rate differs from lender to lender, and almost every lender is providing benefits to borrowers who are women. Most of the financial institutions provide a discount of 0.05% interest to benefit women Home Loan borrower. The percentage might look pretty small, however, when it is compared to the bigger picture, it plays a significant role. The cost of the property is quite high, and even a number such as 0.05% makes a massive difference. Due of the lower interest rate, the EMI will be less and so will the financial burden when it comes to monthly repayment.

Concessions:

Every transaction related to property requires an investor to pay Stamp Duty charges to the State Government. It is one of the money components which differ from state to state. The amount that has to be paid is decided by the State Government. Government initiatives that help and encourage women investors include charging lower stamp duty rate when she opts to buy property as a sole borrower. The rate of interest that is charged by the government is 1-2% lower than the usual Stamp Duty rate. Apart from that, even if co-borrowing is opted for, discounts can still be availed.

Smooth Loan:

The loan process is same for both male and female applicants. It is a fixed process which involves the applicant to check eligibility and clear it. Once that is done, then he/she can avail a Home Loan. To ensure that this process passes smoothly, the borrower has to submit all the essential documents and identity proofs. Apart from this, a satisfactory credit score is essential. One thing which is noteworthy is that the ratio of women applications getting rejected is way less than men. It is mainly because women are more successful in repaying the Home Loans as compared to male counterparts.

Digitization:

The process of digitisation of financial services has made borrowing a Home Loan quite comfortable. The online service helps women to apply for a Home Loan as per their convenience. Thus, the process is no longer physically daunting.

Tax Benefits:

A woman, Home Loan applicant, can avail tax deduction of INR 2 lakhs. As per the Budget 2017, a woman borrower can claim a tax deduction on interest earned. Apart from that, if a Home Loan is co-borrowed between the married couple, then both of them can enjoy tax benefits on Home Loan. Opting for co-borrowing is a wise choice as it helps to share the burden of debt.

These are few of the factors that a woman Home Loan buyer shall consider to make the most out of it.