Nearbuy.com- The discount app!

Who doesn’t love discounts and cash backs! It’s amazing to get huge offers occasionally, but to get it everyday on your each outings, dining’s, movies, spa times, etc. Is something really unusual. Such chances are not to be missed at any cost.

That’s why comes the need of keeping the app, Nearbuy.com on your mobile always! The one app that gets irresistible cash backs and offers and deals on restaurant bills, theme park, salons, movie tickets, hotels, shopping activités, etc. Available in almost all cities of India, it provides an easy coupon system that helps you get the best deals and offers those are best for you and helps you gain maximum benefits.

Specifications and features:

  • Over 400 million users in India yawing it for restaurant bookings
  • Easy hassle free movie tickets booking with max discounts
  • Travel bookings available at discounted rates and various checkout options available.

With around 56.2k ratings and a 3.3 * on App Store, it captures just 40MB of your mobile memory and is available on androids and app stores as well.

0% EMI- A trap or a saviour?

Ravishing sale on an online e commerce site and you’re super tempted to buy that new gadget or an appliance for your domestic use? The rush of various banks and e-payment sites offering numerous discounts when you select them as your payment method can be so tempting. And if you exhaust your limit of finances and end up with buying all you can with that savings of yours, you are still tempted and pampered by those EMI schemes available of those online shopping sites. The options are limitless! But are they all really worth your attention?

What grabs your attention fast, is the 0%EMI Offers as you chose to buy a product. But wait! Before being impulsive and falling prey to the trap of zero percent EMI, make sure you get your facts right. Remember these simple facts that most banks and other financial money providers tend to complicate it for you and it often makes you jump in a pool of depts that you are unable to pay off later.

Are the products worth buying in installments!

We all know that you buy something in instalments when you couldn’t afford to pay for all together. But what’s the use of buying a product worth say for example of 13000 in Instalments with 0%interest and actually pay 15000 for the same product combining those EMIs? Don’t you think the 0% interest in this case is actually covered up by giving those extra amount! Hence, while shopping minor items, you actually don’t enjoy the privilege of 0% interest, but pay it later on, just a little late!

Do you really get a 0% interest on cars and home loans??

The biggest quest of the day! Well, the answer seems tricky and blunt but actually if you are not amongst the so called secure financial background people, you don’t get a 0% interest benefit in your cars and home loans! It may be minimal, with low EMI benefits, but interests are added to your loans. While, even if through complex connections and great financial history, you are successful to get a 0% interest for your home or car loan, it actually doesn’t last more than a year. After the completion of the first year, you’ll be destined to pay EMI, Interests and additional costs which would be better explained by the financial services themselves!

Well, now when you get that odd calls promising you 0% interest on all loans, think again, inquire more and always, READ THE DOCUMENTS CAREFULLY!!

Best online shopping payment options!

      Universe is revolving! From games, dictionaries, books to shopping malls, everything has entered our smartphones and are awaiting for our finger touches to get operated. This mobile revolution opens up millions of options of trades, transfers, shoppings and other business interactions too. While everyone is using this opportunity of digitalisation the best way, so does the online shopping criteria.

Online shopping checkout options

 Online shopping!   

    Scrolling through innumerable products, checking the specifications, entering necessary details and then comes the main process of checking out! The process in which you enter an option for your payment of the purchased product. There’s where we are often either confused as to which option would be profitable, where in you can gain points or cash backs and earn while you spend or do the mobile banking transactions which just provides the funds from your accounts and hence you are worry free of paying anything later.

Checking out your purchases!

         The benefits in these options can be tricky and changing with changing seasons and offers. For example when you shop from the end of the seasons sale from certain e-shopping sites, you get around 5% cashback on each purchased items. Sometimes the product expenditure has a limit, sometimes it doesn’t. Hence, the products you buy during that time should be best bought paying through those credit card options.

Credit cards

          

Credit cards

     Credit cards are the most preferred mode of transfers on ecommerce sites. Whether its groceries or fashion shopping, credit card payments take a key role and offer max offers when used. Some of the time you get cashbacks from both the sides, from commerce site immediately and later as points gained through the cards.

Debit cards

         Debit cards are a great option too. But the cash back offers for these are limited. You gain those points no doubt, and it’s sole benefit is that you pay from your savings, hence no issues of pending bills to be cleared. And limiting your shopping is another great benefit of using debit cards as checkout method too.

Online banking

        Online banking is similar to debit cards, but there’s no chance of gaining cashbacks or redeemable points at all. It’s just another mode of payment with no gain and no pain.

Cash on delivery(COD)

        Cash on delivery can be tricky. It has its pros and cons equally. While you pay after checking the product you bought, there’s always a fuss about getting exact changes at the time of delivery. Again, there are absolutely no offers on cash on delivery mode of payments. Again, though buyers prefer cash on delivery on most of the electronics and gadget shoppings where they consider getting their products at home and then pay, there’s always a question of the honesty of the person delivering the order.

International payment options

         International/ national payment apps

      Payments through online payment apps like paytm, mobikwik, PayPal are also quite trustworthy and preferred mode of payments. Even they offer handsome rewards on more purchases for the buyers and extra discounts on most of the products.

           Hence, the next time you go in for a digital shopping spree, make sure you’re well versed with the above benefits and loss that you may get through your billing process.