#How to Save $750 and Get Healthy

[drpaulhaider]

How To Save $750 and Get Healthy 

Studies Show You Can Save $750 a Year and Get Healthy. Plus Help Prevent Heart Attacks and Other Diseases. Plus The Money You Actually Save Preventing Diseases. It’s Simple and Anyone Can Do This. Dr. Paul Haider - Award Winning Master Herbalist and Health and Wellness Instructor for 33 Years. Watch Very Short Video. References Below. 

[godrejmsrcityapartments]

A Step-by-Step Guide to Home Loan Application Processes in India

Buying a home is a dream for many people in India, and taking a home loan is often the most practical way to make this dream come true. While the process may seem complicated initially, breaking it down into simple steps can help you understand what to expect and prepare accordingly. Whether purchasing an apartment, a villa, or a plot in a large project like Godrej MSR City in Shettigere, knowing how to apply for a home loan can save time, reduce stress, and even help you get better loan terms.

Step 1: Check Your Eligibility

Before applying for a home loan, check your eligibility based on your age, income, job type, existing liabilities, and credit score. Most banks and NBFCs (Non-Banking Financial Companies) offer online eligibility calculators. A good credit score (typically 750 and above) increases your chances of approval and may help you get better interest rates.

Tip: If you're buying a plot or home in a reputed project like Godrej MSR City in Devanahalli, lenders are usually more willing to approve loans due to the builder's credibility and clear legal documentation.

Step 2: Choose the Right Lender

Compare banks and housing finance institutions based on interest rates, processing fees, prepayment terms, and customer service. Consider both fixed and floating interest rate options and choose what suits your long-term goals.

Step 3: Gather the Required Documents

Prepare the following documents before applying:

Identity Proof: PAN card, Aadhaar card, or passport

Address Proof: Utility bill, voter ID, passport

Income Proof: Salary slips (for salaried) or IT returns (for self-employed)

Bank Statements: Last 6 months' statements

Property Documents: Agreement to sell, allotment letter, or builder-buyer agreement

Employment Proof: Offer letter or employment certificate (for salaried individuals)

If you're purchasing a home in an established township like Godrej MSR City in Bangalore, the builder often assists with documentation and coordination with banks, making this step easier.

Step 4: Submit the Loan Application

You can apply online or visit the bank branch. Fill out the home loan application form and attach all necessary documents. Pay the processing fee, which typically ranges from 0.25% to 1% of the loan amount.

Step 5: Loan Processing and Verification

Once the application is submitted, the lender will verify your documents and may conduct a personal discussion to confirm your repayment ability. They will also evaluate your credit score and verify your employment and income details.

Step 6: Property Valuation and Legal Check

The bank will inspect the property to ensure it has a clear title and matches the legal and construction norms. This includes a site visit and checking RERA registration, building approvals, and sale agreements. Reputed projects like Godrej MSR City already have these legal clearances, which speed up the process.

Step 7: Loan Sanction and Offer Letter

Once everything checks out, the lender will issue a sanction letter mentioning the loan amount, interest rate, tenure, EMI, and terms. Read this carefully before accepting.

Step 8: Loan Agreement and Disbursement

After you accept the offer, the bank will ask you to sign the loan agreement. Once signed, the loan is disbursed — either in full (for ready-to-move homes) or in stages (for under-construction projects). The disbursement is often linked to construction progress if you're buying in a phased township like Godrej MSR City in Shettigere.

Bonus Tips for a Smooth Home Loan Experience

Keep Your Credit Score Healthy: Avoid delays in existing EMIs or credit card payments.

Plan Your Budget Wisely: Factor in down payment, registration charges, and interior costs.

Use Builder Tie-Ups: Many top builders, including Godrej Properties, have tie-ups with leading banks for quick processing and better rates.

Read the Fine Print: Before signing, understand prepayment, foreclosure, and late payment charges.

Conclusion

Applying for a home loan in India is a well-defined process; being prepared can make it much easier. If you are considering a home or plot in Bangalore, especially in fast-developing areas like Devanahalli and Shettigere, choosing a project like Godrej MSR City can simplify the home loan process due to its transparency, clear documentation, and builder-bank relationships.

[jeppiner]

Ways I save money:

I have lived low income for a very long time and this is how I save money. Personal care: I leave my hair long and put it up if I want it out of the way, only cutting the ends maybe once a year or less. No dye, no "styles", no lotions/potions, no hot appliances. Simple and healthy. I never do mani/pedi unless I do it myself, but no polishes. I only use a one skin moisturizer. Also no make-up. I am 60 and people can't believe how young I look. Shoot if I look that young, why gob it up with expensive bottles and tubes of stuff nobody needs putting MY money into some company's pocket. I need my money. They don't.

Clothing: I only buy what I need and sometimes it is used or given to me as a gift. I wear it until it falls apart. I don't have many clothes. How many shirts can you wear at once? One, right? So how many clothes do you really need. I would say I maybe spend $100-200/yr on clothes, probably most socks and underwear. I have a coat I've been wearing for 40 years. Still looks great because it was a good coat. Laundry is only done when it is dirty. I did buy a small portable washer because the laundromat is a killer. This cost $350 and saves me $900/yr. I dry everything outside on a drying rack or inside on the same rack in the winter. My clothes don't wear out as quickly.

Housing: We rent and we rent less than maybe what we want and then make do. If they approve a mortgage for 200,000, buy a house for 150,000. If you can afford 1000 for rent, only spend 750. You get my drift. Always live under what you can afford because all the maintenance, insurance, taxes, and upkeep will also be less. This way you can save. I seriously have very few cleaning products. A bit of all purpose cleaner (I honestly just dilute ammonia with water) goes a long way. Nobody needs all the potions people create. I have simply used hot water on the floors. How sterile does a floor have to be? You're going to walk on it immediately and it will be dirty again, so really, who cares. I have the same old furniture I have had for years. Decent quality, well taken care of, and its lasted decades. Some of it was my grandmother's or mother's. It still works.

Food: LEARN TO COOK FROM SCRATCH. EAT LESS (I can guarantee most people eat way too much of all the wrong things). FINISH IT ALL AND USE THE LEFTOVERS. I buy stuff on clearance, even fruits and veg and quickly process them, stew them, blanch and freeze them, or whatever is appropriate. I have gotten a whole box of fruit and veg for $5 and not one bit of it is wasted in this way. Beans and pulses are good protein. Learn to cook them. Never buy processed, pre-cooked, out of the box foods. You are paying for someone else to do the work. Make a big batch of something and eat it all week, or freeze the remainder and make something different mid-week. LEARN TO COOK. LEARN TO COOK. LEARN TO COOK. Shop the sales at one store only. What's on sale/clearance is what I am eating this week, but this only applies to fruit/veg, meat/dairy, and simple foods. Junk food on sale still isn't food. If you have to make all your own cakes and cookies, you'll eat less, because you can't be bothered. Don't buy ready made.

Transportation: Buy used, no-fun, and buy cash if you can. Keep it until it literally gives up the ghost. Keep it maintained. If you can't afford to do this, you can't afford a car SO GET RID OF IT. Any place that is within a 30 minute walk, WALK, don't waste the gas. You DO need the exercise. Combine errands or do errands to or from work so you aren't making extra trips. Obey traffic rules at all times, it keeps your insurance low. I have a 2012 Civic and pay under $70/month.

Time: STOP WASTING IT. Take all social media off your phone. Take all shopping apps off your phone. Throw away all advertising that comes into the house immediately. Get ad-blockers so you're not tempted to bloody shop. Your money belongs in your pocket, not theirs. No matter what they tell you, they're not doing you favours. If you aren't in front of a screen, you can cook, do laundry, clean your home, mend, iron, and take care of what is yours so it last longer. GET OFF SOCIAL MEDIA THAT WASTES YOUR TIME. The only thing I have is Tumblr and I am on it maybe a half hour every couple of days.

Entertainment: Use the library. Everything in it is free: movies, books, audiobooks, games, stuff, TV shows, printing costs only a few cents and saves you on stupid dried out ink for your printer you rarely use. Play board games or video games. I can rent both at the library. Visit your local pool, park, join a community sports team, take a hike, go to the beach. If it costs a lot, somebody is benefiting more than you. Change your way of thinking. Instead of thinking "a nice dinner out with a few drinks and a show $$$", think instead of going for a walk with a friend/family and maybe grabbing an ice-cream and a coffee at McDonalds or somewhere cheap. You'll have just as great of a conversation and your bank account won't look like a yawning empty cavern.

I guarantee you that I am just as happy as you, and probably, because I have no debt at all, I might even be more happy than you. Think about it.

[prithvigroup]

Smart Budgeting for Your Dream Home at Prithvi Paradise NXT: A Complete Guide

Buying your dream home is one of life’s biggest milestones and smart budgeting plays an important role. If you're considering a home at Prithvi Paradise NXT, it's essential to plan your finances carefully so that your investment journey is smooth, stress-free, and rewarding.

Here's a detailed guide to help you build a strong financial plan while buying your new home at Prithvi Paradise NXT.

1. Start with a Financial Health Check

Before setting your heart on a new home, assess your current financial situation:

Income vs Expenses: List all your monthly incomes and expenses to find your true savings potential.

Outstanding Debts: Consider any existing loans or EMIs that you are already paying.

Credit Score: A healthy CIBIL score (ideally above 750) can help you get a better home loan deal.

Tip: Your monthly EMI for the new home should ideally not exceed 25-30% of your monthly income.

2. Fix a Realistic Home Buying Budget

Once you know your finances inside out, it’s time to set a clear budget.

Online EMI calculators help to understand how much loan you can comfortably repay.

Factor in not just the home’s base price but also additional costs (which we'll cover below).

Experts recommend having at least 20% of the property cost saved up for the down payment.

Remember, budgeting is not just about affordability today but ensuring you can maintain your lifestyle even after taking on a home loan.

3. Consider All Additional Costs

While the price tag of your dream home at Prithvi Paradise NXT may look attractive, don't forget about these extra charges:

Down Payment: 20% of property value (mandatory before loan disbursement).

Stamp Duty & Registration Fees: Typically 5%-7% depending on your location.

GST: Applicable if buying an under-construction property.

Maintenance Deposits: For upkeep of common areas and amenities.

Interiors & Furnishing: Setting up your home to suit your style can cost extra.

Tip: Always add 10-12% extra to your base property cost to cover these expenses.

4. Research and Get the Correct Home Loan

All loans are not equal! To fund your Prithvi Paradise NXT home wisely:

Compare interest rates, processing charges, and prepayment facilities from various lenders.

Go for a pre-approved loan to know your budget in black and white.

Select between fixed and floating interest rates depending on your risk appetite.

Also, keep an eye out for festive offers and reduced processing fee seasons, which could save you a lot.

5. Plan for the Future

Life is uncertain. Therefore:

Maintain an emergency fund of at least 3–6 months' worth of your household expenses.

Take a term insurance plan for the same amount as your loan for the security of your family.

Check your budget every year as your income and family needs increase.

6. Know the Present Market Situation

As of 2025, India's real estate market is experiencing a consistent appreciation, with property prices rising at approximately 6.5% per annum.

7. Why Prithvi Paradise NXT is a Great Choice

Located in the growing hub of Tathawade, Prithvi Paradise NXT offers thoughtfully designed 2 & 3 BHK homes with modern amenities, excellent connectivity, and promising growth potential.

When you plan your budget well, investing in a property here is a decision you’ll cherish for years to come.

Final Thoughts

 By budgeting smartly for your new home at Prithvi Paradise NXT, you’re not just buying a house, you’re securing a better future for you and your loved ones.

[adityabirlahousingfinancelimit]

Home Extension Loan: Expand Your Space Without Breaking the Bank

Sometimes, you don’t need a whole new house — you just need more space. Maybe your family is growing, you’re adding a home office, or you simply want to upgrade your living setup. That’s where a home extension loan comes in handy.

Instead of relocating or buying a bigger place (which costs way more), you can extend your existing home — add another floor, build extra rooms, or stretch out the living space. And the best part? You don’t have to dip into your savings. You can get it financed.

Let’s break down how home extension loans work, who they’re for, what you need to qualify, and how to apply smart.

What is a Home Extension Loan?

A home extension loan is a type of home loan that helps you finance the cost of extending or adding space to your existing house. This includes:

Building an extra room

Adding a floor or balcony

Expanding the kitchen or bathroom

Constructing a garage or workspace

It’s perfect when you want more room, but don’t want to sell your home or go through the chaos of moving.

How Does It Work?

The process is pretty straightforward and works like a regular home loan:

Estimate Your Extension Costs – Get an estimate from a licensed architect or contractor.

Apply for the Loan – Submit the necessary documents and construction plans.

Loan Sanction & Disbursal – Once approved, the loan is disbursed in one go or in phases depending on the lender.

Repayment – You repay the loan in EMIs over a tenure that could go up to 15–20 years, depending on the lender and your profile.

Who Can Apply?

A home extension loan is ideal for:

Homeowners with growing families

People wanting to create rental units within their home

Anyone looking to add space without relocating

Self-employed or salaried individuals who already own the property

The key requirement: you must already own the home and the extension must be legally approved by the municipal authority.

Benefits of a Home Extension Loan

1. No Need to Relocate

You stay in your current house and neighborhood — no packing, no moving stress.

2. Tailored Financing

You get just the amount you need for the extension. It’s budget-focused and manageable.

3. Low Interest Rates

Interest rates are typically similar to regular home loans, starting around 8.5% p.a. depending on your credit score and income.

4. Tax Benefits

Under Section 24(b), you can claim tax deductions on the interest paid (up to ₹2 lakh annually).

5. Longer Tenures

Repayment tenures can go up to 15–20 years, so you don’t feel the pinch.

Eligibility Criteria

Eligibility is similar to a standard home loan:

Age: 21–65 years

Employment: Salaried or self-employed

Credit Score: Preferably 750+

Ownership: Must own the home and land

Municipal Approval: Extension plan must be legally sanctioned

Documents Required

To apply for a home extension loan, you’ll need:

Identity Proof (Aadhaar/PAN)

Address Proof

Income Documents (Salary slips, ITRs)

Bank Statements (last 6 months)

Property Ownership Documents

Approved Construction Plan for the extension

Contractor/Architect estimate for cost

Loan Amount and Interest Rates

Most banks and NBFCs offer home extension loans of up to 85% of the estimated cost of construction. Interest rates are generally in the range of 8.5% to 10.5%, and some banks even offer combo deals if you already have a home loan with them.

Lenders offering home extension loans include:

SBI Home Extension Loan

HDFC Home Improvement/Extension Loan

ICICI Bank Home Extension Finance

LIC Housing Finance Griha Sudhar

PNB Housing Home Extension Loan

Things to Keep in Mind

Plan Must Be Sanctioned – Any construction you plan to do must be approved by the local municipal body.

Keep Your CIBIL Score Healthy – The higher the score, the better the loan terms.

Budget for Extras – Furniture, interiors, and fittings aren't covered. Only structural changes are financed.

Disbursement May Be in Phases – Especially if the extension is done in stages.

Final Thoughts

A home extension loan is a smart move when you need more space but don’t want to invest in a new property. It’s cost-effective, manageable, and gives you the freedom to design the extra space the way you want — whether it’s for a growing family, a cozy guest room, or a fully-decked home office.

Just make sure your documentation is in order, your plan is approved, and you’re borrowing an amount you can comfortably repay.

Ready to build up or build out? A home extension loan could be your perfect fix.

[bankofmaharashtra]

Everything You Need To Know Before Applying For A Car Loan

Buying a car is an exciting milestone. Whether it’s your first vehicle or an upgrade to something better, having access to the right car loan can make all the difference. But before you dive into the financing process, it's important to understand the crucial factors that can impact your loan approval, including your CIBIL score for car loan, the role of a car loan eligibility calculator, and the often overlooked car loan processing fee.

Let's break it all down and help you make smarter choices.

Why your CIBIL score matters when applying for a car loan

Think of your CIBIL score as your financial reputation. Just like you wouldn’t lend money to someone you don’t trust, banks and financial institutions rely heavily on this score to assess your creditworthiness.

The CIBIL score for car loan approval typically needs to be above 700. Here's why:

Scores above 750 often lead to faster approvals and better interest rates.

Scores between 650–750 may still get you a loan, but possibly with stricter terms.

Scores below 650 can raise red flags, often resulting in higher interest rates or rejection.

Your score is influenced by how promptly you’ve repaid loans in the past, your existing credit exposure, and whether you’ve ever defaulted on payments. If your score is low, consider improving it before applying by paying down credit card dues, clearing outstanding loans, and maintaining healthy credit habits.

How a car loan eligibility calculator helps you plan better

Before stepping into a showroom, it’s wise to know how much loan you can actually afford. This is where a car loan eligibility calculator becomes your best tool.

Here’s how it helps:

Instant Estimation: Based on your income, monthly obligations, and tenure preferences, you’ll get an estimate of your maximum eligible loan amount.

Custom Scenarios: Want to see what happens if you increase your tenure or add a co-applicant? The calculator lets you tweak the details to match your real-life situation.

Time-Saving: Instead of visiting the branch or making multiple calls, you get quick insights within seconds.

You can try out this calculator on the official websites of leading banks like the Bank of Maharashtra, where the user interface is simple, and the results are highly reliable.

Understanding the car loan processing fee and why it matters

Many borrowers focus solely on interest rates while forgetting about one-time charges like the car loan processing fee. This fee, although not massive, can affect your upfront costs.

Here's what you should know:

Typical Fee Range: Banks generally charge between 0.25% to 1% of the loan amount. Some banks cap this at a fixed amount regardless of the loan size.

Why It’s Charged: This covers administrative work, credit assessment, document verification, and other overheads.

Negotiation Tip: If you’re a long-standing customer or have a strong credit profile, you might be able to request a discount or waiver.

Always factor this fee into your total cost calculation, especially when comparing multiple lenders.

Quick checklist before you apply for a car loan

Let’s keep things simple. Before applying, make sure to:

Check your credit score—Anything above 700 gives you a good shot.

Use a car loan eligibility calculator to know your borrowing limits.

Compare lenders—Look at interest rates, tenure, prepayment charges, and processing fees.

Prepare your documents—Income proof, ID proof, bank statements, and vehicle quotation.

Understand the total cost—Including interest outgo, fees, and insurance.

Why Bank of Maharashtra is a smart choice

Looking for a car loan that’s transparent, affordable, and backed by reliable customer service? The Bank of Maharashtra offers highly competitive car loan interest rates, minimal processing fees, and a user-friendly digital process to check eligibility and apply online. With tailored solutions for salaried and self-employed individuals, BoM ensures a smooth and hassle-free borrowing experience.

Whether you're planning to buy a hatchback, sedan, or SUV, Bank of Maharashtra makes financing your dream car easier and more economical.

[financeiob]

How to Secure Low Interest Rates on Vehicle Loans in 2025

With increasing financial awareness and competitive lending markets, getting a vehicle loan with low interest rates is more achievable than ever. Whether you're buying a brand-new car or a pre-owned two-wheeler, knowing how to secure the best interest rate can save you thousands over the loan period.

Understand the Importance of Low Interest Rates

Even a small difference in interest rate can significantly affect your overall loan cost. For instance, a 0.5% lower rate can translate to substantial savings over a 5-year tenure. This is why it's essential to shop smart and focus on minimizing the interest outflow.

Steps to Secure Low Interest Rates

Boost Your Credit Score A high credit score reflects your repayment discipline and makes you a preferred borrower. Pay bills on time, reduce credit card debt, and avoid multiple loan applications to maintain a healthy score.

Choose the Right Lender Explore banks, NBFCs, and digital lending platforms. Many institutions offer special rates to salaried individuals, women applicants, or existing customers.

Make a Higher Down Payment The more you pay upfront, the less you borrow. This reduces your loan-to-value ratio, encouraging lenders to offer lower rates.

Opt for Shorter Tenure Although short-term loans come with higher EMIs, they generally carry lower interest rates, which reduce the overall cost.

Apply During Special Promotions Lenders often provide discounted interest rates during festivals or year-end sales. Keep an eye out for these offers.

Things to Keep in Mind

Always compare the APR (Annual Percentage Rate), which includes all fees.

Read the fine print for hidden charges like processing fees or foreclosure penalties.

Choose a lender with good customer service and digital support for convenience.

Conclusion

A low-interest vehicle loan is not just about affordability—it's about smart financial planning. Take your time to compare options, prepare your financial documents, and aim for the best rate. With the right strategy, owning your dream vehicle can be both exciting and economical.

Blog 3: Top Benefits of Choosing a Vehicle Loan with Low Interest Rates

Planning to buy a car or two-wheeler? Financing it through a vehicle loan with low interest rates can be a wise decision. Low interest means less financial burden and more savings in the long run.

What Makes Low Interest Vehicle Loans Attractive?

In a competitive lending market, banks and NBFCs are offering attractive interest rates on vehicle loans. These lower rates can result in:

Lower EMIs: You’ll pay less every month, making budgeting easier.

More Loan Eligibility: With reduced EMIs, you may qualify for a higher loan amount.

Faster Repayment: Smaller interest costs allow quicker loan closure.

Key Benefits of Low Interest Vehicle Loans

Affordable Vehicle Ownership Instead of delaying your purchase, low interest rates enable you to buy your dream vehicle sooner without stretching your finances.

Better Financial Planning With reduced monthly obligations, you can plan for other goals like investments, vacations, or home improvements.

Enhanced Negotiating Power When you’re a well-informed buyer with good credit, lenders are more likely to offer you their best rates and terms.

Suitable for All Budgets Whether you're eyeing a budget-friendly two-wheeler or a premium SUV, a low-interest vehicle loan ensures affordability across segments.

Tax Benefits for Business Owners If the vehicle is used for business, you may also enjoy tax deductions on interest paid—adding to your savings.

How to Qualify for These Loans

Keep your credit score healthy (750+ is ideal).

Maintain stable income and employment history.

Consider co-applying with a spouse to enhance eligibility.

Choose reputed lenders with transparent policies.

Final Words

Choosing a vehicle loan with low interest rates is the first step toward stress-free ownership. Not only does it ease your monthly burden, but it also gives you peace of mind knowing you're making a financially sound decision. So do your research, compare offers, and get ready to hit the road with confidence.

[aadibaba12]

Netmeds Coupon Code: 👉 Get Flat 20% Off SALE LIVE 📣 Times Running Out

💊 Netmeds Coupon Codes April 2025 – Save Big on Health Essentials! 🛒💰

Looking to stock up on your health needs without breaking the bank? Netmeds has you covered this April with 🔥 Netmeds Coupon Codes and 💵 exclusive cashback deals on medicines, wellness items, lab tests, and more! 🚑

Let’s break down all the latest offers you can grab right now 👇

🩺 Top Netmeds Coupons for April 2025

🔹 💸 Flat 25% Off on Medicines

🧾 Coupon Code: HEALTH4ALL ✅ Flat 25% OFF on orders above ₹1,499 🛍️ Applicable on all medicine orders 📅 Valid till April 7, 2025

🔹 💊 20% Off + Easy COD Option

🧾 Coupon Code: MEDS20 🎯 Flat 20% OFF up to ₹2,000 💳 Works on both prepaid & COD 📦 Min. order: ₹750 📅 Valid till April 30, 2025

🔹 ⚡ 18% Off + 10% NMS Cash

🧾 Coupon Code: NMS18 💰 Flat 18% OFF + Get 10% NMS Cash (up to ₹100) 🛍️ Minimum order: ₹1,499 📅 Valid through April 30, 2025

🔹 💥 15% Off + 5% Cashback

🧾 Coupon Code: NMS15 📦 Min. order: ₹799 🎁 Save more with 5% NMS Cash (max ₹100) 🗓️ Valid till April 30, 2025

👶 First-Time User Offers

🆕 25% Off + 10% Cashback

🧾 Coupon Code: NMSNEW 🎉 Flat 25% OFF (up to ₹700) + Extra 10% NMS Cash 💳 Prepaid orders only 🛍️ Min. order: ₹1,499 📅 Valid till April 30, 2025

🆓 20% Off + 5% Cashback for Newbies

🧾 Coupon Code: NMSNEW20 💸 Flat 20% OFF + 5% NMS Cash 🎁 Max. benefit: ₹2,000 📦 Min. order: ₹799 🗓️ Valid till April 30, 2025

🚚 Delivery & Payment Offers

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🧾 Coupon Code: FREEDEL 📦 No delivery charge on orders above ₹750 ✅ Works on all categories

💳 UPI & Wallet Cashback Offers

Paytm UPI: 🤑 Get ₹10–₹300 cashback on orders ₹300+

MobiKwik UPI: 💰 Up to 10% cashback on orders ₹999+

📅 Offers valid till April 30, 2025

🛠️ How to Apply a Netmeds Coupon Code

🛒 Add your medicines or health items to cart

👉 Go to checkout

🧾 Enter your coupon code in the “Apply Code” box

🎉 Watch the price drop!

✅ Proceed to payment and complete your order

💡 Pro Tips to Save More

🔄 Combine NMS Cash + Coupon for double benefits 📲 Use wallet/UPI for extra cashback 📦 Opt for bulk ordering to cross minimum value thresholds 🆕 First-time user? Use NMSNEW for the biggest discount!

🧘 Final Word

From regular prescriptions to wellness needs, Netmeds coupon codes in April 2025 make staying healthy easier on your wallet. So go ahead, restock your essentials with confidence and save while you're at it! 🧴💊🛍️

✨ Stay healthy, stay wealthy!

[jacobjones2110]

CIBIL Score: Importance, Benefits, and How to Improve It

Introduction

A CIBIL score is a crucial financial indicator that reflects an individual’s creditworthiness. Managed by TransUnion CIBIL, it is a three-digit number ranging from 300 to 900, with higher scores indicating better credit health. Financial institutions, including banks and non-banking financial companies (NBFCs), use this score to assess loan and credit card applications.

A high CIBIL score increases your chances of securing loans at lower interest rates, while a low score may lead to loan rejections or higher interest rates. Understanding how your CIBIL score works and knowing how to improve it can help you maintain financial stability and secure better credit opportunities.

Importance of CIBIL Score

The CIBIL score plays a vital role in determining a borrower’s ability to repay loans. Here are some key reasons why it is important:

Loan Approval and Interest Rates - Lenders rely on your CIBIL score to decide whether to approve your loan application. A score of 750 or above is considered excellent and increases your chances of approval. Additionally, a higher score helps you secure loans at lower interest rates, saving money over time.

Credit Card Eligibility - If you want a higher credit card limit or premium credit cards with exclusive benefits, a good CIBIL score is essential. Banks prefer applicants with strong credit histories, as it indicates responsible financial behavior.

Quick Loan Processing - A good CIBIL score ensures faster loan approval since lenders do not need extensive verification. Those with poor credit scores may have to provide additional documentation or collateral to secure loans.

Negotiation Power - With a high CIBIL score, you have better negotiating power with lenders. You can request lower interest rates, reduced processing fees, and better repayment terms.

Employment and Rental Agreements - Some employers and landlords check the CIBIL score of potential candidates and tenants. A healthy credit score can improve your chances of getting a job in the finance sector or renting a house in a prime location.

Factors Affecting Your CIBIL Score

Several factors influence your CIBIL score. Understanding them can help you manage and improve your creditworthiness.

Repayment History (35%) - Your payment history has the highest impact on your CIBIL score. Missing EMIs, delaying credit card payments, or defaulting on loans can negatively affect your score.

Credit Utilization Ratio (30%) - This refers to the percentage of credit used compared to your total credit limit. A high credit utilization ratio (above 30%) can reduce your score, as it indicates financial dependency on credit.

Credit Mix (10%) - Having a balanced mix of secured loans (home loans, auto loans) and unsecured loans (personal loans, credit cards) positively impacts your CIBIL score. Lenders prefer applicants with a diversified credit portfolio.

Length of Credit History (15%) - A long and consistent credit history boosts your score. The longer your credit history, the more data lenders have to assess your repayment behavior.

Number of Hard Inquiries (10%) - Each time you apply for a loan or credit card, the lender checks your CIBIL report, creating a hard inquiry. Multiple hard inquiries in a short period can reduce your score, as it signals a higher credit risk.

How to Check Your CIBIL Score?

You can check your CIBIL score through the official TransUnion CIBIL website or financial institutions that offer free credit score checks. Follow these steps to check your score online:

Visit the CIBIL website (www.cibil.com)

Click on "Get Your CIBIL Score"

Enter your personal details such as name, date of birth, PAN card number, and mobile number

Verify your identity through OTP authentication

View your CIBIL score and detailed credit report

How to Improve Your CIBIL Score?

If your CIBIL score is low, there are several ways to improve it and regain financial credibility. Here are some practical steps:

Pay Your Bills on Time - Timely repayment of EMIs and credit card bills is the most effective way to boost your CIBIL score. Set reminders or enable auto-pay to avoid late payments.

Reduce Credit Utilization - Try to keep your credit utilization ratio below 30% of your total credit limit. If possible, request a higher credit limit or pay off outstanding balances to improve your score.

Avoid Multiple Loan Applications - Do not apply for multiple loans or credit cards within a short period. Lenders see frequent loan inquiries as a sign of financial distress, negatively impacting your score.

Maintain a Good Credit Mix - Having a combination of secured and unsecured loans showcases responsible credit behavior. Avoid relying solely on unsecured loans like personal loans or credit cards.

Monitor Your CIBIL Report Regularly - Check your CIBIL report for errors, such as incorrect personal details, loan accounts that don’t belong to you, or wrongly reported defaults. If you find errors, raise a dispute with CIBIL to correct them.

Settle Old Dues and Defaults - If you have any unpaid loans or outstanding dues, try to settle them as soon as possible. Lenders may offer settlement options to help clear old dues, but ensure the status is marked as "closed" rather than "settled", as settlements can negatively impact your score.

Become an Authorized User - If a family member or friend has a good credit history, you can request to be added as an authorized user on their credit card. This can help improve your credit score over time.

CIBIL Score Range and Its Meaning

Understanding what different CIBIL score ranges mean can help you assess your financial standing:

CIBIL Score ------ Meaning

750 - 900 ------ Excellent – High approval chances

650 - 749 ------ Good – Eligible for most loans

550 - 649 ------ Average – Higher interest rates

300 - 549 ------ Poor – Loan rejection likely

0 or NA ------ No credit history available

Conclusion

Your CIBIL score is a vital financial tool that determines your creditworthiness and impacts your ability to secure loans, credit cards, and even rental agreements. A high CIBIL score helps you get loans with better interest rates and faster approvals, while a low score can lead to rejections and financial difficulties.

By maintaining a good repayment history, reducing credit utilization, avoiding multiple loan applications, and regularly checking your credit report, you can improve your CIBIL score over time. Financial discipline and responsible credit behavior are key to maintaining a healthy credit score, ensuring long-term financial stability and access to better borrowing opportunities.

If you need urgent funds and have a strong CIBIL score, you can easily apply for an instant personal loan. These loans offer quick approvals and minimal documentation, helping you meet your financial needs without delay.

[banarjeenikita]

Self-Employed? Here’s How You Can Get a Home Loan Without Income Proof

For self-employed individuals, getting a home loan without income proof can be challenging. Most banks and financial institutions require salary slips, income tax returns (ITR), and proof of steady income to process loan applications. However, freelancers, small business owners, and gig workers often lack formal income documentation despite having consistent earnings.

If you're self-employed and looking to buy a house, don’t worry! There are alternative ways to secure a home loan without traditional income proof. This article will explore the best strategies, alternative documents, and financial tips to help you qualify for a home loan without salary slips or ITR.

Why Do Lenders Require Income Proof for Home Loans?

Banks and Non-Banking Financial Companies (NBFCs) assess a borrower’s ability to repay a home loan by verifying their monthly income, job stability, and financial discipline. For salaried individuals, this is straightforward because of fixed monthly earnings. However, self-employed individuals often have fluctuating incomes and irregular cash flow, making lenders cautious.

To compensate for the lack of formal income documents, lenders may require alternative financial proof or collateral to approve a home loan.

Alternative Ways to Get a Home Loan Without Income Proof

1. Use Bank Statements as Income Proof

Even if you don’t have salary slips or ITR, consistent bank transactions can prove your financial stability. Banks may consider the average monthly balance and inflows from business revenue, freelance payments, or client transactions.

✔ Solution: Maintain a healthy balance in your bank account for at least 6-12 months before applying for a loan.

2. Show Business Revenue and Cash Flow

If you run a small business, lenders may accept business revenue as proof of income. Even if you don't have ITR, providing invoices, purchase orders, and audited profit and loss statements can strengthen your application.

✔ Solution: Organize your business transactions and tax payments to demonstrate financial credibility.

3. Opt for a Low Loan-to-Value (LTV) Ratio

A lower Loan-to-Value (LTV) ratio means a higher down payment, reducing the lender’s risk. If you can pay 30-50% of the property value upfront, banks may be more willing to approve your loan even without income proof.

✔ Solution: Save a larger down payment before applying to increase approval chances.

4. Apply with a Co-Applicant or Guarantor

Having a co-applicant (spouse, parent, or sibling) with a stable income can significantly improve your loan approval chances. Similarly, a loan guarantor with a strong credit profile provides security to lenders.

✔ Solution: If possible, apply with a co-borrower who has regular income proof to enhance your credibility.

5. Provide Alternative Asset Proof

Many lenders approve home loans if you can show alternative assets, such as:

Fixed deposits (FDs)

Mutual funds or stock investments

Rental income from other properties

Gold holdings or other financial assets

✔ Solution: Show strong asset value as financial backup to assure lenders of repayment ability.

6. Choose a Housing Finance Company (HFC) Over Traditional Banks

Housing Finance Companies (HFCs) such as HDFC, LIC Housing Finance, and Indiabulls Housing Finance offer more flexible loan eligibility criteria compared to traditional banks. They consider bank statements, property value, and alternative documents rather than just ITR.

✔ Solution: Apply with HFCs that specialize in home loans for self-employed individuals.

7. Improve Your CIBIL Score

A strong CIBIL score (750 or above) boosts your chances of getting a home loan, even without income proof. Lenders trust borrowers with good repayment history, credit card usage, and responsible financial behavior.

✔ Solution: Pay off existing debts, clear outstanding credit card bills, and avoid frequent loan applications before applying for a home loan.

Best Banks and NBFCs Offering Home Loans Without Income Proof

Several Indian banks and NBFCs offer home loans to self-employed individuals without salary slips or ITR, based on alternative documents. Some of these include:

🔹 HDFC Home Loans – Allows loans based on bank statements and property value. 🔹 LIC Housing Finance – Accepts alternative financial proof and business transactions. 🔹 Indiabulls Housing Finance – Offers flexible home loan options for freelancers and business owners. 🔹 Bajaj Finserv – Provides home loans with minimal documentation, focusing on CIBIL scores and assets. 🔹 SBI Home Loans (Non-Salaried Category) – Custom loan plans for self-employed professionals.

✔ Tip: Compare interest rates, processing fees, and tenure options before selecting a lender.

Key Tips to Increase Home Loan Approval Chances

✔ Maintain a consistent bank balance and avoid frequent withdrawals. ✔ Avoid multiple loan applications at the same time, as it may reduce your creditworthiness. ✔ Maintain a strong repayment history to increase your credit score. ✔ Choose longer loan tenure to reduce the monthly EMI burden. ✔ Be ready with alternative documents such as business revenue reports, rental income, and asset statements.

Final Thoughts

Getting a home loan without income proof is challenging but not impossible for self-employed individuals. By using alternative documentation, improving credit scores, and opting for the right lender, you can secure a home loan and achieve your dream of homeownership.

With proper financial planning and documentation, you can confidently apply for a home loan, even without salary slips or ITR. Start preparing today, and take a step closer to owning your dream home!

[brazenskies]

How to Get a Credit Card for Low CIBIL Score Without Rejection?

A low CIBIL score can make it challenging to get a credit card, but it’s not impossible. Many individuals find themselves in this situation due to past financial mistakes, late payments, or limited credit history. A credit card for low CIBIL score can be a valuable financial tool to help rebuild creditworthiness while providing access to essential financial resources. Understanding how to navigate the application process and use the card responsibly can increase your chances of approval and improve your credit score over time. In this guide, we will explore different strategies to obtain a credit card for low CIBIL score, discuss the importance of responsible usage, and provide tips to enhance your financial standing. Whether you are looking for a secured credit card or one with minimal eligibility requirements, the right approach can help you regain financial stability. Let’s delve into the details of how you can successfully secure a credit card despite a low CIBIL score.

Maintain a Healthy Bank Balance for Better Approval Odds

Maintaining a healthy bank balance can improve your chances of getting a credit card for low CIBIL score. Banks and financial institutions assess an applicant’s financial stability before approving a credit card, and a well-maintained bank balance demonstrates your ability to manage finances responsibly. Regular savings, timely bill payments, and a stable financial portfolio can positively influence a lender’s decision. Additionally, having a strong banking relationship with a particular institution may increase your chances of approval. If you have a savings account or a fixed deposit with a bank, they may be more willing to offer you a credit card based on your financial behavior. Ensuring that you do not have excessive overdrafts or bounced checks will further strengthen your credibility in the eyes of lenders.

Understand Your CIBIL Score Before Applying

Before applying for a credit card, it is crucial to understand your CIBIL score and how it affects your approval chances. The CIBIL score is a three-digit number ranging from 300 to 900, representing an individual’s creditworthiness based on past borrowing and repayment behavior. A score above 750 is considered excellent, while anything below 650 is often deemed risky by lenders. If your score is low, it’s essential to check your credit report for errors, outstanding debts, or late payments that may be affecting it. By identifying and rectifying these issues, you can improve your creditworthiness before applying for a card. Additionally, understanding the factors that impact your score—such as credit utilization, payment history, and length of credit history—will help you take proactive steps to rebuild it. If your score is particularly low, applying for a credit card designed for individuals with poor credit can increase your chances of approval.

Choose a Credit Card for Low CIBIL Score with Easy Approval

When your credit score is low, applying for a standard credit card might lead to rejection. Instead, focus on credit cards specifically designed for individuals with low CIBIL scores. Many banks and financial institutions offer credit cards with relaxed approval criteria, targeting those who have a history of missed payments or limited credit experience. These cards often come with higher interest rates or lower credit limits, but they provide an opportunity to prove your creditworthiness over time. Researching and comparing different options will help you find a card with easy approval and minimal eligibility requirements. Additionally, opting for credit cards that cater to individuals with poor credit—such as those from fintech companies or banks with lenient policies—can improve your chances of acceptance. While these cards may come with certain restrictions, they serve as an essential stepping stone towards rebuilding your financial health.

Consider Secured Credit Cards to Boost Your Chances

If your CIBIL score is too low to qualify for an unsecured credit card, consider applying for a secured credit card. A secured credit card requires a fixed deposit as collateral, reducing the lender’s risk and increasing your chances of approval. The credit limit on these cards is usually a percentage of your deposit amount, ensuring responsible usage. Using a secured credit card responsibly—making timely payments, keeping credit utilization low, and avoiding unnecessary debt—can help improve your CIBIL score over time. These cards function just like regular credit cards, allowing you to build a positive payment history. Over time, as your credit score improves, you may become eligible for an unsecured credit card. Many banks also offer to upgrade secured credit cards to regular ones after demonstrating good repayment behavior for a certain period. Therefore, a secured credit card is one of the best options for individuals looking to rebuild their credit profile.

Apply for a Credit Card with Minimal Eligibility Criteria

Individuals with a low CIBIL score often face difficulty in meeting the stringent eligibility criteria set by traditional lenders. However, some banks and financial institutions offer credit cards with minimal requirements, making it easier for those with poor credit to qualify. These cards typically require proof of income, a stable employment record, or a fixed deposit as security. By applying for credit cards with lower entry barriers, you increase your chances of approval while gradually improving your credit history. Additionally, choosing a card that does not require a high-income threshold or extensive credit history can be beneficial. Fintech companies and non-banking financial institutions (NBFCs) also offer credit cards with flexible eligibility, catering specifically to individuals with low credit scores. Before applying, ensure you meet the minimum requirements and have all necessary documents prepared to avoid unnecessary rejections, which can further impact your credit score.

Avoid Multiple Applications to Prevent Further Score Drops

One of the biggest mistakes individuals with low CIBIL scores make is applying for multiple credit cards simultaneously. Every time you apply for a credit card, lenders conduct a hard inquiry on your credit report, which can lower your score further. Multiple rejections within a short period indicate financial instability, making it even harder to secure credit. Instead of applying randomly, research different credit card options designed for low CIBIL scores and apply strategically. If one application is rejected, wait before applying again and focus on improving your credit score in the meantime. A targeted approach will increase your chances of approval and prevent further damage to your credit profile. Additionally, checking if a lender offers pre-approved credit card options based on your financial history can help you avoid unnecessary hard inquiries.

Use a Credit Card for Low CIBIL Score Responsibly to Improve Credit

Once you secure a credit card for low CIBIL score, using it responsibly is key to improving your creditworthiness. Always make timely payments to avoid late fees and further score reductions. Keep your credit utilization ratio below 30% of your limit to demonstrate responsible credit management. Avoid unnecessary debt and only use the card for essential expenses. Over time, consistent, responsible usage will help increase your CIBIL score, making you eligible for better financial products in the future. Regularly monitoring your credit report, setting reminders for due payments, and maintaining a low balance will contribute to long-term financial stability.

Conclusion

A low CIBIL score does not mean you cannot get a credit card. By understanding your credit profile, choosing the right type of credit card, and following responsible financial habits, you can improve your chances of approval. Secured credit cards, minimal eligibility cards, and those offered by fintech lenders are viable options for individuals with poor credit history. Additionally, maintaining a healthy financial record, avoiding unnecessary applications, and using credit wisely will help rebuild your score over time. With the right approach, a credit card for low CIBIL score can be a stepping stone towards better financial health and a stronger credit profile.

[sivasaravanachits]

Does ICICI Bank Check CIBIL Credit Score Before Opening Saving Account?

Are you planning to open a saving account with ICICI Bank and wondering if they check your CIBIL credit score before approving your account? Well, you are at the right place. As a leading private sector bank in India, ICICI Bank is known for offering a range of financial services, including saving accounts, credit cards, loans, and more. To ensure the safety and security of their customer's funds, ICICI Bank might check your credit history before opening a saving account. In this blog, we will discuss the ICICI Bank's CIBIL score requirement for opening a saving account and everything around it.

Firstly, let us understand what is CIBIL score and how it works. CIBIL (Credit Information Bureau India Limited) is India's first credit information company that maintains credit records of all individuals and businesses that have availed of loans or credit cards from banks and other financial institutions. CIBIL score ranges between 300 and 900 and represents your creditworthiness or the likelihood of you repaying your debts. A higher score indicates that you are a responsible borrower and increases the chances of getting a loan or credit card approved.

Now, coming to the main question- yes, ICICI Bank checks your CIBIL score before approving your saving account application. Having a good CIBIL score of 750 and above increases the likelihood of your saving account application getting approved. However, having a low CIBIL score can lead to rejection or lower interest rates for your saving account. ICICI Bank also offers a free credit score check online through their website, which can help you understand your credit history and improve your score.

Apart from the CIBIL score, ICICI Bank also checks your past credit history, income, and other factors before approving your saving account application. If you have a good credit history and have a regular source of income, the chances of your application getting approved are high. ICICI Bank also offers different types of saving accounts, such as Basic Savings Bank Account, Regular Savings Account, and more, which have different eligibility requirements.

Must Read This: Can we open a savings account in SBI through online?

In case your saving account application gets rejected due to a low CIBIL score or any other reason, there are ways to improve your score. Firstly, Guaranteed Interest Account ensure that you pay all your dues, EMIs, and credit card bills on time. Delayed or missed payments can have a negative impact on your score. Secondly, maintain a healthy credit utilization ratio, which is the amount of credit you have used compared to the credit limit. Keeping it under 30% is ideal. Lastly, avoid applying for too many loans or credit cards at once, as it can signal financial distress and lower your score.

Conclusion:

To sum it up, the ICICI Bank does check your CIBIL score before approving your saving account application, along with other factors such as credit history and income. Having a good CIBIL score of 750 and above increases the chances of your application getting approved, while a low score can lead to rejection or lower interest rates. It is essential to maintain a healthy credit score to avail of the best financial services from banks and other institutions. We hope this guide helps you understand the ICICI Bank's CIBIL score requirement for opening saving accounts and ways to improve your score.

[duefactory]

what is cibil score 

A Credit Information Bureau (CIBIL) score, also known as a credit score or credit rating, is a numerical representation of an individual's creditworthiness. It plays a critical role in the financial world, influencing decisions made by lenders, banks, credit card companies, and even landlords. In this comprehensive explanation, we will delve into the details of CIBIL scores, their importance, how they are calculated, and tips to improve your score.

Understanding CIBIL Score:

A CIBIL score is a three-digit number typically ranging from 300 to 900 in India. It reflects your credit history and provides potential lenders with an assessment of your credit risk. In essence, it tells lenders how likely you are to repay your debts based on your past financial behavior.

Here's a breakdown of what different score ranges generally signify:

300-600: A score in this range is considered poor. It suggests a high credit risk and may result in difficulties in securing credit or loans.

601-750: Scores in this range are fair to good. They indicate a moderate credit risk, and individuals falling within this range may be eligible for credit, but with less favorable terms.

751-900: A score in this range is excellent. It represents a low credit risk, and individuals with such scores typically receive the most favorable lending terms.

Importance of CIBIL Score:

The CIBIL score holds significant importance in the financial world for several reasons:

Lending Decisions: Banks and financial institutions rely heavily on CIBIL scores when evaluating loan applications. Your chances of getting a loan are build by a better CIBIL score.

Interest Rates: Your CIBIL score influences the interest rate you are offered. A higher score often results in lower interest rates, saving you money on loans and credit cards.

Credit Card Approvals: Credit card companies use CIBIL scores to determine eligibility and credit limits for cardholders.

Renting Accommodation: Landlords often check CIBIL scores when selecting tenants, as it provides insight into their financial responsibility.

Loan Amounts: A good CIBIL score can lead to higher loan amounts and more favorable terms.

How CIBIL Scores are Calculated:

CIBIL scores are calculated based on your credit history, which is gathered from various sources:

Credit Report: CIBIL collects information from credit bureaus and lenders, including details about your credit accounts, loans, and credit cards.

Payment History: This is one of the most critical factors. It tracks whether you've made timely payments on your debts. Late payments or defaults can significantly lower your score.

Credit Utilization Ratio: This ratio compares your credit card balances to your credit limit. High utilization can negatively affect your score.

Credit Mix: Having a mix of different types of credit, such as loans and credit cards, can positively impact your score.

Length of Credit History: The longer your credit history, the more data there is to evaluate your financial responsibility.

New Credit: Opening multiple new credit accounts in a short period can indicate financial distress and lower your score.

Factors that do NOT Impact Your CIBIL Score:

It's essential to understand that certain financial behaviors do not affect your CIBIL score. These include:

Savings and Checking Accounts: Your bank balances and transactions in these accounts are not considered when calculating your credit score.

Employment History: Your job and employment history do not influence your credit score.

Income Level: The amount of money you earn is not a factor in your CIBIL score.

Tips to Improve Your CIBIL Score:

If you have a low CIBIL score or want to maintain a high one, here are some tips:

Pay Bills on Time: Ensure that you make all your credit card payments and loan EMIs on time.

Manage Credit Utilization: Keep your credit card balances well below the credit limit to maintain a healthy credit utilization ratio.

Maintain a Mix of Credit: A diverse credit portfolio can have a positive impact. However, don't open new accounts unnecessarily.

Regularly Check Your Credit Report: Review your credit report for errors or discrepancies and dispute any inaccuracies with the credit bureau.

Limit Credit Applications: Avoid applying for multiple credit cards or loans within a short period.

Close Unused Credit Cards: If you have multiple credit cards, consider closing those you don't use to simplify your credit profile.

Settle Outstanding Debts: Try to settle any outstanding debts or negotiate with creditors for more favorable repayment terms.

Seek Professional Help: If you're struggling with debts, consider seeking assistance from a credit counseling agency.

Conclusion:

Your CIBIL score is a crucial financial indicator that has a significant impact on your ability to secure loans, credit cards, and even housing. Understanding how it's calculated, what it signifies, and how to improve it is essential for managing your financial life effectively. Regularly monitoring your credit report and practicing responsible financial behavior can help you achieve and maintain a healthy CIBIL score, ultimately providing you with more financial opportunities and favorable terms.

[howtofightwrite]

Hello! Thanks for running this (very helpful) blog! So, if a character was to loose a decent ammount of blood (enough to make them loose conciousness, etc, but not actually die.) what would the recovery process for that look like? How long would they be unconcious? How soon would they be able to stand/move? The character in quesion is very physically fit, and the blood loss was due to a wound in the side/abdomen area via a sword, if that is relavent. Thanks for answering!

Probably never, barring necromancy.

So, loss of consciousness from blood loss usually means you've lost over two liters of blood. That's about 40% of the blood in your body. If you're loosing blood fast enough to pass out, chances are, without immediate medical attention, you're going to die.

Getting stabbed in the abdomen in a really bad wound. There's a lot of organs in there that are simultaneously vital for keeping you alive and healthy, but also exceptionally adept at killing you when abused. Your kidneys and liver are basically large repositories of blood waiting to end your life from internal hemorrhaging. Your intestines are just waiting to put you into septic shock and kill you if they're nicked by a blade. Your stomach is something you really don't want to see ruptured.

Lower abdominal wounds aren't just really dangerous, they're actually pretty nasty and graphic. This is a lot of stuff you do not want to damage. And will require some pretty advanced surgery to survive and recover.

So, stepping away from that for a moment, if a character suffers a wound, and is bleeding severely enough for them to lose consciousness at a relatively rapid pace, it will kill them. As mentioned earlier, losing more than about 2 liters will cause you to lose consciousness, but fatal bloodloss ranges from 2.5L to 4L lost (depending on the individual.) At best, they lost consciousness half-way to dying, and they will bleed out in roughly the same amount of time.

There's some potential situations, where the victim is able to seal off a wound in the field before passing out. For example, if they stabbed through the arm and had been losing blood, but had the presence of mind to cauterize the wound before losing consciousness, they might recover. (Though, this wouldn't apply to an abdominal wound.)

Multiple (relatively) minor wounds might be able clot, saving their life, even if the cumulative bloodloss would have been fatal eventually. This is especially true if they lose consciousness some time after the injuries. However, this is a somewhat artificial situation, because the character would need to lose enough blood to go into hypovolemic shock, while also managing the rate of bloodloss carefully enough as to avoid killing them. It could happen, I'm almost positive that it has happened, but engineering that situation is tricky.

Beyond that, it's worth remembering that hypovolemic shock is actually pretty debilitating long before you lose consciousness, slip into a coma and die.

(Keep in mind, these are modern medical terms and wouldn't apply in a fantasy setting.) Hypovolemia is grouped into 4 stages.

Stage 1 is up to 750mL lost. The victim will appear pale, but otherwise they're fin. They may feel terrible, and drained, but this is the stage where they're still functional.

Stage 2 is 750-1500mL, at this point the victim will start to experience anxiety, and they will start to experience mild tachycardia, and their respiration will increase.

Stage 3 is from 1500mL to 2L, and at this point the victim will start suffering serious cognitive impairment, they'll be confused, their heart rate will be roughly double what it should be, their respiration rate will be significantly increased.

With Stage 4, loss of consciousness, coma, death. Technically, you can be in stage 4 without losing consciousness. Though the mental state is not great. There's also more severe tachycardia, their skin may appear mottled (with some patches appearing completely drained of blood), breathing will be very rapid and shallow. This is someone who is dying and you can see it.

If you are losing a lot of blood, and you lose consciousness, it's over, you're dead. As a result, your body does everything it can to delay that from happening. Even by Stage 2, you're not going to be in fighting shape. You can't just keep fighting through that much bloodloss.

When it comes to recovery, there is a trick. Your body can produce plasma pretty quickly. You can recover the loss of 2L of blood in 24 to 48 hours, sort of. The problem is that your body is only producing plasma to bring the volume back up. Actually replacing the lost blood will take a lot longer. Probably 4 to 8 weeks, depending on the individual.

I'm not 100% sure what the symptoms would be for someone having that much plasma in their circulatory system. It wouldn't be life threatening, but would be unpleasant. I'm pretty sure fatigue, headaches, visual and auditory hallucinations are on the table, but I'd need to do a lot more digging into this specific situation to be completely certain. Regardless, symptoms would drop off pretty quickly over the weeks as their blood plasma levels evened out.

-Starke

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[gothickyle]

‘BLUE NIGHTS’

LEVI ACKERMAN X FEM! READER

fluff comfort, trauma mention

Wc: 750

It’s been a while since I’ve written something Bc of school so this is really bad, sorry

—-----------------------

While taking a bath, I heard the front door open. I knew it was my husband when he shouted “HONEY I'M HOME!” He says that every single time and it always brings a smile to my face. Years of being in abusive and uncomfortable relationships and finally finding myself in a healthy relationship is something I am very proud of.

Levi opened the bathroom door and found me there. “That smells nice, are you using the bath bomb you bought last week?” He gave me a kiss on the cheek and I replied with “Yeah, it's a birthday cake flavor. If you're hungry, I made pasta. I left you a plate of it in the microwave.”

“Alright, thank you for making it for me, your cooking is the best baby.”

And with that, I fell into a dark pit of black.

For the past few days, I keep having flashbacks of my past. I was abused by my step dad in many forms which developed my many abusive relationships in my early 20s.I was so lost that when i met my husband, Levi, at the time, I thought he was just gonna be like the others.

In my life I've been judged for everything. My looks,education,relationships,mental health, etc. Most of it was from my mother who never believed when I told her what her husband did to me. I tried to forgive my mother for not believing me and i wanted to have a good relationship with her.

When it was time to introduce Levi to my mother, she judged. She told me I looked like a fool because he was just gonna use me like all the other men and he's way too good for me because he has a lot of money and comes from a successful and well known family.

When it came to meeting his mother, I was so scared. Thinking I wasn’t good enough. I was proven wrong though. I consider her my mom and when we got married, she walked me down the aisle and everything.

I remember when I met Levi, my whole life changed. He knows about my past and childhood and he's helped me heal. My life is going so well right now that it feels so good and now I feel like something might happen. My thoughts keep making me more insecure like I was before.

I feel like I'm suffocating and I don't wanna ruin things.

—-----------

I was on the bed after an hour of taking my bath. I was waiting for Levi to come. He was eating and watching tv at this time. He works so hard that I feel like I just sit around and do nothing. He told me that if I want to work after we got married that's fine but he makes a lot of money and said that I don't need to have a job because he will always take care of me.

I don’t mind that but I feel like people judge me. I think that's my biggest problem

While being in my delusional mind, I felt an arm wrap around my arm. ”What’s that pretty head of yours thinking about? Did you not hear me calling you baby?”

“Sorry, I've just been out of it these past few days.” Levi and I were getting more comfy on the bed and he wrapped the blanket on us.

“I've noticed, are you feeling okay? Do you wanna tell me something?”

There's a lot of things I wanna say. I don't wanna say them because I feel like I am too much.

“I know how you get when you're feeling bad, just tell me. Everything is gonna be okay.”

I felt the tears come out my eyes and Levi moved me over so he could see my face. I told him about everything and all of my bad ideas went away. He knows how to comfort me and how to bring me down. It’s like he was meant to save me from this cruel world. He made a promise to me to always keep me safe and i definatiny feel it. I need to learn how to love myself and to stop thinking everyone is judging me. Even if they are, why should I care? It's my life and it's been perfect since I met my husband. The night was so calming to us and we enjoyed every second of it.

[roobylavender]

what are the main conflicts between bruce and talia in the post-lexcorp area? also you are so right in the seeing relationships with tension instead of just unrealistic idyllic "bliss", it's so much more rewarding when there is tension and having to work to get through things. two different people with different goals making the mutual decision to understand each other. relationships where love is a deliberate, conscious choice!!

trust and faith, imo. bruce is someone who generally has faith in talia's good intentions, and that's why he's quick to ally with her whenever their paths cross, even in situations where they're originally at odds. but the problem is that his faith is to an extent conditional. so long as she's even moderately attached to her father he doesn't trust himself to be with her bc of the potential complications. and he has a right to that obv, but at the same time it's not what talia deserves, esp as someone who eventually grows to dread being within her father's vicinity and could use an out like being with bruce, considering she has no other connections. when bruce does give her that option, in dc #750, it's too little, too late. talia leaves on horseback and insists on forging her own path, to the point that she conveniently avoids meeting bruce face-to-face even once during her lexcorp tenure (there is their meeting in hush, but we all know it's ooc and not in line with anything else that transpires between them during that era, so) despite indirectly helping him. she ends up exhausted, embittered, isolated. so in the aftermath there is a lot of fractured trust that has to be rebuilt on bruce's end so that talia isn't made to feel like she'll only ever be the product of her father's actions

on the flip side, though, provided we're trying to overlap lexcorp era with lost days/under the red hood era in some sensible capacity (a missed opportunity from editorial, alas, although maybe for the better considering winick was already on his weird talia kissing jason agenda by that time, tragically), there is also a fractured trust that has to be rebuilt on talia's end as well. for whatever her good intentions, she indirectly brings the red hood to fruition. she hides the truth of jason's resurrection from bruce. she hides the truth of her own involvement in his progression thereafter. and in an ideal world obv i would have loved for her to confront jason after his insane stint trying to kill the joker, maybe convince him to forge another, healthier path, but even then: she has to confront bruce someday about what she has already "allowed" to happen. she has to take ownership of those things. she has to take ownership of hiding damian. she has to potentially figure out how to work with him again when they try to save damian from ra's, despite all of the secrets and apprehensions between them

so bruce and talia have a lot of faith in each other as people, at the core. they always will. but their trust in each other is shot to hell by the time lexcorp era is over, and repairing that will take time and effort that they've never really had before bc their meetings with each other are so often clandestine and chaotic. trying to help jason, working to save damian. those are circumstances that could cause their paths to overlap in a more long-term manner and that would really force them to confront some of the subconscious issues plaguing their relationship despite the very real love they have for each other. and that could probably help them actually be friends for once. they zoomed through the in-love and married stages very quickly, and it was hardly healthy, esp for talia. i wish writers were more willing to address that