#otp: my fees are competitive

[whollyjoly]

*coughs into mic* anyways so here's how bucktommy can still win....

[bookishbloggerreviews]

Novelist Mistakes #3

Whaddup writer fam! I started this series a little while ago just talking about mistakes that I see new debut authors, or new writers make all the time and you guys LOVED it. Like, wow, I was impressed with the way you just absorbed that information. So, here I am with another mistake that I see young/new writers make. 

THEY PUBLISH THE FIRST BOOK THEY’VE EVER WRITTEN. 

Now by publish, I don’t mean uploading it to Wattpad, or whatever writing website you love to use. I mean, actually taking your first book and sending it to an agent and (after lots of other steps) getting it published. 

If you google book reviews on any one of these books there are a few things that you might find. 

1. The characters are simple or ridiculously contradicting/out of character. 

2. The writing style is basic, if not the definition of inexperienced. 

3. The books are simply ODD. 

But why? Because people can tell when you are a new writer with no experience.

Writing, believe it or not, takes many years of practice, of re-writing, editing, and learning what your style is. And I’ve heard so many authors in private interviews talk about how they were ripped off as a new author because: 1. they didn’t know the industry as well as they should’ve. 2. the quality was terrible, and years later, they recognize that. And 3. They didn’t put their best foot forward. 

The book community is HIGHLY competitive. I mean, INCREDIBLY. And when you put a book out there, you want a book that is going to start getting traction and grabbing people’s attention immediately and by publishing the first book that you’ve ever written, you will be doing the complete opposite of that. 

Now you might be pointing to these book examples and saying: hey, even though they published these books they’ve still got a huge following and people like them!

But here’s the difference: they have a social platform that was dedicated to them long before they ever published anything. Meaning: they had nothing to lose by publishing. 

Whereas: you possibly have everything to lose. 

BUT YOU WANT TO PUBLISH A BOOK! AND YOU WANT TO BE A FAMOUS POPULAR AUTHOR WITH LOTS OF READERS!

I know. And here’s how:

1. You’re a brand new author. You just finished a manuscript. So hold onto it. Don’t throw it away. Just put it away and give it 6 months to a year or two and come back to it.

2. After you put it away, WRITE A LOT. READ A LOT. Expose your mind to good books, books that you want to write like, and try to write like them. Notice the tiny things: how the talk about food, how they phrase dialogue, how they move their characters around scenes, how they describe things, etc. 

3. Try to finish a new script! Write something entirely new, something that you had thought about and just wanted to finish for fun! Something that you can easily finish because it’s simple and sweet!

4. Now put that away and bring out your other script! Read over it, make changes where you think language, characters, ideas could be improved and then get feedback. 

5. Getting feedback: Your feedback needs to be more than, “oh it looks good!” Or, “I really liked it!” 

Here are some questions you can ask your readers: 

-Which character did you like the most?

-Which character did you hate the most?

-Which character did you think was boring/not important?

-Do you think the characters act their age?

-What was the most cliche thing you saw?

-When did you put the book down? (what page/area?)

-When couldn’t you put the book down?

-What was overwhelming/too much?

-What was underwhelming/too little?

-Do you like the main pairing/OTP in the book? 

-How would you change the plot to make it more exciting?

-What is one thing that irked you while reading?

-What is one thing that you would never change for the world?

6. Re-write it! More often than not, when you get feedback, the people reading it can see problems you can’t. So don’t dismiss them! Take their advice into consideration and make the changes where they’re necessary. 

7. PUT IT AWAY AGAIN. 

8. This time, once you put it away, brainstorm on how things in the world would affect your characters. What would a sudden rise in taxes do to them? What about a change in school policy? What would an army invading a neighboring country do? Plan out your political/worldly day-to-day things. Ask yourself, what other businesses are in this small town? What foods would they taste and then never eat again? What TV show just came out that they’d like to watch? Write it down, keep it around and then whenever you need to add little details to round out your world, BAM! You’ve got pages and pages!

9. Pick it up! Re-read and re-write! Add new details! Add more detail to background characters!

10. MORE FEEDBACK.

11. Re-read and re-write!

12. AND NOW you send it to the publisher. Just kidding, you actually send it to an editor who reads through and tells you how to fix your stuff so it looks better. Keep in mind there are a lot of different kind of editors. There are editors who will go through for content. Some will go through for details. Some will go to fix punctuation. Others will go to help your characters. Etc. There are editors who specialize in everything so make sure you’re doing your research before you just send it to anyone.

13. Re-read and re-write!

14. Now you send it to your agent! And if they decide that they like you, they’ll send it to a publisher! :D (you don’t actually send things to a publisher, the agent does that. If they like you.)

(if you are wondering in any way that this is satire, I am afraid that it is not. This is actually the writing process that one should have when starting a new series and/or you’re a new author. And the publishing part only gets more difficult and complicated in terms of cover art, royalty fees, editing, communication, etc. You may find that some book companies will try whole-heartedly to screw you over while some will be a day in paradise to work with. :/)

If you’re looking at this list and going: this is too much! I could never do this! I won’t do this! Then, you, my friend, probably shouldn’t be writing a book in the first place as you’ll just be wasting your time. 

Keep in mind, this is for authors who just finished their first manuscript. If you’ve already finished three or four, you just don’t know which one to publish, you’re in an entirely different ball-park and this will hardly apply to you. This is like the boot camp for writers who want to be writers but don’t know where to start. And to all you others, I will say...

A Bookish Blogger Out!

[radhikaschauhan]

Hands-On Experience With Yes Bank Yes First Exclusive Credit Card

Today the banks, their credit cards have reached a saturated position. Because today is the day of competition. Who will give less feature, service, benefits cannot hold a position in the market? So, all of the banks provide their best to compete so that we are confused to decide what to take. But by saying that, I am not saying that all features are perfectly the same. The types of features are the same; the difference lies in the amount. So, if you are puzzled with the premium cards, you may check ‘Hands-on experience with Yes bank Yes First exclusive credit card’ – the decision is yours, guides are ours!

Yes Bank Yes First Exclusive Credit Card

Key Highlights Of Yes Bank Yes First Exclusive Credit Card

I am sure that you will be amazed to see the features. It is not lag behind others in terms of features and benefits. So, there is no reason for underestimating this card.

Rewards are good enough, in my opinion, because you will get rewards on everything – renewal card, travelling, flight booking, movie booking, dining, and other expenses made through this card.

You can enjoy golf round.

We are discussing a premium card’s review – so it makes sense that rewards will be vast. But we need to see whether it can fulfil our demands or not.

You can convert reward points into air miles and club Vistara points. The rate of conversion is 10 reward points stands for 1 Intermile or 1 Club Vistara point. You can redeem them and use them anywhere, which are partners.

Features And Benefits Of Yes Bank Yes First Exclusive Credit Card

If you are familiar with this type of card, then the facilities and benefits may seem to be similar to you. Let’s see what those are:

Get rewards on almost everything: You can earn reward points on welcome gifts, registration, dining, and so on. And the amount of reward is quite good. Even you can earn rewards on every expense value. 

Enjoy golf rounds: You can enjoy 4 complimentary golf rounds per year at selected golf courses. Not only that, but you can also take golf lessons per year at selected golf courses in India. You can book the golf lesson by contacting over 1800 102 6263.

Priority pass and lounge access: You will get priority pass membership by which you can enjoy unlimited visits outside India. This facility is available for both primary and adds–on the cardholder. Also, you can get lounge access at 25+ lounges across India. Again, this facility is available for both primary and add-on cardholder.

Enough coverage amount: You can get a solid amount of insurance coverage for the following cases-

You can claim up to 3 crore rupees for death due to a flight accident.

While travelling overseas, you can get up to Rs 50 lakh as medical insurance in emergency hospitalization.

If the primary cardholder dies in an accident, your family members will get the credit shield cover.

Concierge service is on your phone: Like any other premium card, this card also offers easy concierge service. But the difference is in the attributes of the concierge service. Seriously, there are many services like – Car reservations, Hotel reservations, Travel, Special event book, restaurant booking, table reservation and much more. Just contact them over the phone by dialling 1800 11 9371 or 022 42320239.

Change your lifestyle: Enjoy great offers in various fields like – dining, travelling, shopping, wellness, and much more in selected cities in India.

Go contactless: The Yes first exclusive credit card supports the contactless payment option. It comes with NFC technology. The transaction is fast, convenient, and, of course, secured!

Security is the highest priority: You need not be worried about security because your online transaction is secured with MasterCard Secure code which works on the OTP system.

Who Should Opt For This Card?

The net income constraint in the eligibility criteria makes it clear that this card is for the ‘fancy’ users. [Eligibility criteria are discussed in point 4] People who love to travel, shop, and enjoy golf rounds – the card suits them. Saving is not at all a thing of concern to them. Rather they love to spend money for enjoying their life. A luxurious lifestyle is their motto. Daily usage patterns are completely different from other people. They should be the main users of this card. Rewards attract them much, and they don’t hesitate to follow the transaction or any other goals to avail the rewards. Of course, not all rich people need to apply for this card!

The credit card is exclusively for premium users. If you are a member of the group of those who have a net income excellent, you may apply for this card. You have to be that. Otherwise, you will be struck at the constraint of eligibility criteria. There is no question of common people applying for this card.

Fees Of Yes Bank Yes First Exclusive Credit Card

As I mentioned, the charges are not too much because all premium-type credit cards usually charge like this. From this point of view, it is not right to say that the charges are high.

Why Yes First Exclusive Credit Card Is Better Than Other Cards? 

Similar cards are available which also offer almost the same features. But differences should be there! Those are discussed below:

Eligibility Criteria And Documents Required For Yes Bank Yes First Exclusive Credit Card

Of course, the eligibility criteria are full of constraints, but these are logical for a premium card. Let’s see what those are:

You should have a source of income.

Your monthly income should be Rs 4 lakhs in a month or above. And in the case of a self – employee, your annual income should be a minimum of Rs 50 lakhs.

You have to be in between 21 and 60 years of age.

Documents Required

The list of required documents is given below:

Identity proof- you can choose any of the following- PAN card, AADHAR card, Voter Id slip as proof.

Address/residence proof- An address proof is also required. You can choose any of the following-ration cards, electric bill, water bill, telephone exchange bill, bill of new gas connection, or anything.

Income proof – This is the most important document you have to show. You can show the Latest pay slip of three months, Form 16, or anything as income proof.

How To Apply For This Card? 

The online process is quite simple and easy to understand. Just follow some steps listed below:

Go to the official website www.yesbank.in. At the bottom of the page, you will find the option of applying with a button named “APPLY NOW”. Click on that. You will find some questions are asking for details. Fill very carefully.

On the second step, you have to fill in some other fields – mobile number, PAN number, pin code, Net annual income, and so on. Keep all the documents ready in your hand to avoid an error.

Fill the forms very carefully. And also, read all the disclaimer terms and conditions before applying.

I am not describing all the points for applying for the card. It is a pretty simple process. Fill in the form and enter the next form by clicking on the “next” button. Remember- forms will be rejected in case of any false information.

Cards Similar To Yes First Exclusive Credit Card

Cards like HDFC Infinia, Lifestyle HC SBI prime are the head–to–head competitors of this card.

FAQs

1. Can the annual fee be waived off?

Of course, you can waive off the annual fee but by meeting the transaction goal. That is, you have to make a total expense of Rs 6 lakhs.

2. How can I convert the purchase into EMI schemes?

You can convert any purchase value over Rs 2500 into EMI options. But you have to do a little task! Just log into your account and make any transaction of Rs 2500.

3. What is the grace limit period?

Generally, the grace period is 20 – 50 days.

4. What is the credit limit?

It depends on income, age, credit score, the certainty of your employment, and so on. Considering these situations, the bank will decide the credit limit.

5. Is any contactless facility available?

Yes, of course. It is a premium credit card. So, it is quite obvious that a contactless facility will be supported.

Final Talk

The time has come for taking the boldest decision – whether you should apply for this card or not. I am indicating to the fancy, rich people for taking this decision. My suggestion is, of course! Here I am talking to only those ‘fancy’ persons. See, you want a credit card for all-in-one purposes. You want a premium card that offers premium features. But the Yes Bank yes credit card offers more benefits like golf rounds, good insurance coverage than others. Being a premium card, it enables many luxurious features for you. Considering all the aspects, my vote will always go for Yes Bank’s yes first exclusive credit card.

Via https://invested.in/yes-bank-yes-first-exclusive-credit-card/

source https://investedin.weebly.com/blog/hands-on-experience-with-yes-bank-yes-first-exclusive-credit-card