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5 Ways You Can Get Some Emergency Cash in India.

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An emergency situation may come unannounced. Whether it is a medical crisis or financial deprivation induced by unemployment, such moments can make us feel vulnerable and helpless. 

To preempt such difficult situations, one should always keep some emergency cash aside. Whether a savings account, a fixed deposit, or an insurance policy- a lump sum of money should always be kept untouched. 

However, things don’t always work out as planned, and one might need to avail of alternate possibilities owing to a dearth of savings.

5 ways one can get some emergency cash in India to battle a financially challenging time

  1. Getting a Credit Line Facility:

Generally speaking, a lender may go into two kinds of loan arrangements with the borrower- the traditional fixed amount loan as we know it and the line of credit.

While the fixed or variable-interest loan is common knowledge, a line of credit is less talked of. 

A line of credit or credit line facility is a revolving loan arrangement from a bank or financial institution which enables you to borrow portions of money from a certain designated amount for a particular period. 

Imagine a pool of a fixed sum from which you can borrow any amount at certain time intervals. Once you repay the money, it gets added to the remaining credit available for further borrowing.

This period available for borrowing is called the draw period. The time at the end of the draw period by which any outstanding amount must be repaid is called the repayment period. 

The difference between a loan and a line of credit is that while a loan puts out a lump sum for borrowing, a line of credit enables you to borrow portions of the sum according to your needs as and when required. This means you can choose not to utilize the better half of the loan amount if you don’t need it and therefore save having to pay interest on it.

A line of credit has a few clear advantages over a loan – with the former, you have to pay interest only when you borrow from the pool of money instead of paying interest from the very moment the loan amount is disbursed, as with the latter.

A line of credit is also more suited as opposed to a traditional loan when the exact monetary amount required is unknown or fluctuating.

  1. Taking a Personal Loan

Personal loans require less documentation and minimal paperwork, which is why it gets disbursed almost instantly and can act as a saving grace during times of emergency. 

Because personal loans are unsecured loans, they are charged against high-interest rates in the market. However, many NBFCs and online lenders now offer personal loans at relatively lower interest rates, for example, Money View.

You can also negotiate with the lender for a lower rate if you have a successful credit history. 

These are flexible loans that can be used to fulfill almost any purpose without providing lengthy accounts of the reason behind borrowing.

  1. Loan Against a Fixed Deposit

A fixed deposit is a great investment option that lets you save your money and benefit from saving it at the same time. 

A fixed deposit account is where you deposit your savings alongside a high-interest rate which gets accrued on the principal amount for a predetermined time period. At the end of the period, you get compound interest on the principal amount besides a complete return of the amount. 

It is a popular option because fixed deposit accounts are not subjected to fluctuations in the market rate. This means, if the rate of interest at the time of maturity is less than at the time of application, you will still be entitled to the original rate.

This makes it a more profitable option as compared to other assets such as gold or property, which are subject to market risks. 

Now, most banks impose a penalty if you break your fixed deposit before the time of maturity. This deprives you of the highest maximum return, and you can end up losing money.

Instead, in case of urgent cash requirements, you can apply for a loan against a fixed deposit where your FD account will be pledged security in case of inability to repay. 

With this option, you can multiply your money and use it in case of emergencies while protecting your fixed deposit account at the same time with timely repayments.

  1. Getting a Top-Up Loan On Your Existing Loan

If you have an ongoing loan with a bank or NBFC, you can apply for a top-up over that loan amount

A top-up loan is considered more fruitful than an additional loan for multiple reasons when in need of some urgent cash. 

First, top-up loans charge lower interest rates than other loans, such as a loan against property. Second, they significantly reduce documentation and processing time since your details are already in the database under your previous loan. 

Finally, they are disbursed quickly for the above reasons and hence can be a secure go-to option in times of an emergency. 

Procuring top-up loans is easy as long as you have a history of timely repayment with your original loan. Moreover, they have no restrictions on usage and can be used to meet a number of pressing requirements in a hassle-free manner. 

  1. Asking a Friend/Relative or Requesting an Advance from Employer

All of us have friends and family members whom we can depend on during difficult times. 

Asking a trusted friend or a relative for money during emergencies can prove to be a quicker and more hassle-free recourse than getting caught up in the endless paperwork of traditional secured loan applications. 

However, money borrowed from an acquaintance should be treated with the utmost seriousness and repaid at the earliest opportunity. One should not behave recklessly simply because the loan amount has been borrowed from a known person. 

Lack of prompt and serious attitude can lead to strained relations, and worse, can escalate to dire and unforeseen legal circumstances, and should therefore be avoided at all costs.

Alternatively, you can also request your employer for a couple of months’ advance, which can be deducted in smaller sums over the length of a few months.

Unless your company has stringent guidelines which can, under no circumstances, be altered, this arrangement can be less of a financial burden if the terms and conditions are ironed out properly.

Other miscellaneous ways to get emergency cash

The ways mentioned above do not form an exclusive list of ways to obtain emergency cash in India. There are various other loan schemes offered by banks, NBFCs, as well as online lenders and groups that can rescue you from a financial crunch in case of emergencies. 

However, be wary of schemes that appear too good to be true, and be sure to do your research verifying the lender’s credibility before applying for a loan. Additionally, read the terms and conditions in the final loan application thoroughly to ensure no hidden charges are being extracted.

Other available options are a credit card loan, loan against property, gold loan, etc. But these schemes either charge exorbitant interest rates or involve rigorous paperwork that can effectively delay the whole process. This can ultimately prove to be a disadvantage when one is running under time constraints.

Conclusion

Today, a variety of loan options are available at variable rates and repayment tenures. 

Make sure you compare the rates of multiple banks and financial institutions to make an informed decision best suited to your financial condition.

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Does Allegiant compensate for delayed flights

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With due respect for the customers’ convenience and satisfaction, Allegiant attempts its finest so that their inconvenience due to flight delays or cancellations would be encountered. Efforts like rescheduled flights, alternate transportation, credit vouchers, and/or refunds, depending on availability of rescheduled and/or alternative travel arrangements, Complaint With Allegiant Air, and other factors the Airline makes to comfy the customers’ problems.

Terms and Conditions to Consider During Delay Compensation Request

Here are some crucial points that you should consider while claiming compensation for the delayed flight.

  • Allegiant Airlines provides the next available flights to the customers for free when flights get canceled or delayed due to certain reasons under the control of Allegiant Airlines.
  • Customers even claim refunds for delayed or canceled flights when they do not agree to rebook the flight.
  • Furthermore, one is liable for the hotel accommodations depending on the accessibility when flights get canceled or delayed. But if someone does not get the hotel to spend their night, are liable for the compensation/reimbursement for reasonable overnight stay-inns expenses
  • Moreover, Allegiant Airlines provides appropriate meal and beverage or meal vouchers applicable inside the airport when the flights are late for three hours or more.

All these points are applicable only when the reasons behind the flight delays are under the control of Allegiant Airlines.

How Can I Claim a Refund for the Delayed Flight?

Even though the best efforts to mitigate the customers’ concern regarding delayed flights, Allegiant has given the choice to claim a refund in the original payment. Still, if you think that it’s out of your trip to request the delay compensation for the canceled Allegiant flight booking online method.

  • To request the delay compensation online, you should go to the Official Web Portal of Allegiant Airlines.
  • Secondly, you should log in to your account with your registered credentials.
  • With this, you are supposed to Click on the My Trips tab.
  • After that, you should choose the method of retrieving your initial reservations on Allegiant Airlines.
  • Then, provide the required information in the specific sections.
  • Once you are done with the required details in the specific sections, press the find my trip tab.
  • Then, you should look for your trip that has been canceled or delayed for three hours or more.
  • Then, you should navigate the refund request form.
  • Now, complete the form accordingly and submit it.
  • Lastly, get the notification to your registered contact details regarding refund request approval.

In the same procedure, you can apply for reimbursement on a delayed or canceled flight via mobile application. Besides this, if you are unable to request the refund on your own using the online booking portal, then switch to Allegiant en Español Número de TeléfonoThen only you will be liable to get in touch with the experts and request them for the delay compensation.

How Can I Speak to Allegiant Airlines Experts From Anywhere?

Seeking the contact details of the airline is not precisely a one-stop solution for the customers to connect with the experts until or unless they are liable to reach out to Allegiant Airlines Customer Service Executives from anywhere. To make it an easier task to connect with the experts from anywhere we have explained the complete process with the help below-mentioned bullets. 

  • You would seek an appropriate contact detail of Allegiant Airlines, hence you should visit the official homepage.
  • Then, you should head out to the Contact Us page accessible at the bottom of the site.
  • To seek the phone number of Allegiant Airlines, you should choose “Can’t find the answer you’re looking for?.”
  • Now, you can find the specified contact details of Allegiant Airlines on the next page.
  • Make sure that you follow the IVR Details while dialing the phone number and press the key accordingly.
  • Lastly, allow the IVR to let you get in touch with Allegiant Airlines experts.

You can even switch to the other option when the phone number is unreachable or busy.

 

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USCIS Extends Green Cards 24 Months For Naturalization Applicants

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A U.S. green card enables an individual to reside, work, and begin the naturalization process in the country. The holder of this card is considered a permanent resident of the US and is therefore qualified for many, but not all, of the same advantages as citizens.

More than a million green cards are granted by the American government each year. An estimated 13.9 million people with green cards have legal permanent resident status in the US as of 2019, 9.1 million of them were eligible to apply for citizenship. if you intend to stay in the country permanently, In order to complete the conditions for naturalization, a green card would be helpful. Maybe you don’t have prior know-how; you can consult a US Naturalization Lawyer in Michigan.

Importantly, Applicants seeking to become citizens of the United States fill out Form N-400. The application asks questions about the applicant’s history, place of residence, and other criteria that must be met before naturalization is granted. The application form also asks for information regarding the applicant’s tax status, tax history, military service, and physical presence in the United States, as well as any application-related errors the applicant may have committed. Before receiving citizenship, candidates must complete Form N-400, go to a biometrics appointment, have a naturalization interview, and pass an English language civics test. Unless the applicant qualifies for one of the age and time as resident exemptions of English or meets the requirements for a medical waiver, all applicants taking the civics test must show they can communicate in English at the time of the naturalization examination.

A new procedure that enabled USCIS to automatically extend the validity of a Permanent Resident Card for a period of 24 months through the issuance of an N-400 Application for Naturalization, receipt notice was announced by the U.S. Citizenship and Immigration Services (USCIS) on December 9, 2022. As a result, most Permanent Residents who have a pending N-400 Application wasn’t given a chance to submit Form I-90 in order to renew their green cards.

Legal permanent residents who applied for N-400 naturalization before December 12, 2022, will not receive an N-400 reception letter with the 24-month extension and must complete Form I-90 if their green card expires or schedule an appointment to have an ADIT stamp placed in their passport.

A 24-month automatic Green Card renewal will be granted to lawful permanent residents who have submitted a Form N-400 Naturalization Application to USCIS on or after December 12, 2022. The requirement to submit a later Form I-90 Green Card Renewal Application will probably be eliminated by this rule change.

However, Naturalization applicants typically no longer need to file Form I-90 while their Form N-400 is pending due to the automatic 24-month extension offered by their receipt notice. Please be aware that even if you applied for citizenship on or after December 12 and received the automatic 24-month extension, naturalization applicants who have lost their green cards still need to submit Form I-90. This is due to the legal obligation for permanent residents always to carry identification proving their residency.

This change allows permanent residents to present their expired permanent resident card and the 24-month extension on their Form N-400 receipt notice as proof of their status as legal permanent residents and of their right to work under List A of the Employment Eligibility Verification (Form I-9) if they do so before the 24-month extension period stated in the N-400 receipt notice expires. And if you didn’t get the receipt, contact any US Naturalization Lawyer in Michigan for retrieval. The receipt notification can be used to demonstrate continuous legal status and the ability to work within a 24-month window when the Green Card has expired.

If you submitted Form N-400 and Form I-90 before December 12, 2022, and you need documentation proving that your immigration status in the US is still valid, you can make an appointment at a USCIS Field Office by calling the USCIS Contact Center. This appointment will allow you to get an ADIT stamp in your passport. Note, In order to preserve legal documentation of their LPR status beyond the expiration of their Green Card, LPRs typically need to complete Form I-90 or obtain an ADIT stamp in their passport.

Additionally, even if they have applied for citizenship and gotten the automatic extension under this revised procedure, LPRs who lose their Green Cards normally still need to file Form I-90. By calling the USCIS Contact Center, applicants who need an ADIT stamp can make an appointment at a USCIS Field Office or talk to a Naturalization lawyer in Michigan.

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How can I change my flight with Air Canada?

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Change your Air Canada Flights 

Several other things are related to it. Sometimes, the passengers are unsatisfied with the inflight services, scheduled departure, etc. In these situations, they often look to change the flights, but the problem is they need to learn how to make the changes. 

It’s a Canadian airline & while you board a flight here, it’s a mind-blowing experience for flyers worldwide. The airline comprises three classes: business, premium economy & economy. However, the main line sear offers you the audio-video facility. 

Several other things are quite more important.

How to change your flights with Air Canada?

If you wish to know how to make an Air Canada Change Flight change, then below are the steps:

  1. The first thing is to visit the official website of Air Canada
  2. On the homepage, click on the manage booking option
  3. Here, you need to give the booking reference number along with the passenger’s last name
  4. As you hit the retrieve button here, you can view the booking details
  5. Here, it would help if you choose the right flight that you wish to make the desired changes 
  6. However, you need to hit the flight change button available in the drop-down list
  7. Moreover, the travelers need to mention a valid flight change & thus select the new travel dates. 
  8. As you search for the flights, you can see the list of the flights departing on your preferred dates. 
  9. After that, you need to proceed & pay
  10. The airlines will deliver a new ticket number & send a confirmation mail on your registered id. 

How much do you need to pay for the flight change with Air Canada?

There are some points below to help you:

  1. The first thing is that if you make the flight change within 24 hrs, you don’t have to pay any fee. 
  2. However, the change fee depends on the fare type, so economy passengers need to pay the amount according to the destination.
  3. Premium economy class commuters need to pay around $100-150. Moreover, you’ll see the actual fare at the time of the flight change. 

What are the different types of terms & conditions to change Air Canada flights?

Here are some points for your information below:

  1. In case of a medical emergency like death, you can change the Air Canada flight for free. 
  2. While changing a flight, if there is a difference in the price of the new & original flight, you need to pay the difference. 
  3. However, if there is a low difference, the airlines will provide a refund in the form of a travel credit. On the other hand, you can use the travel credits in future reservations. 
  4. Now, if you try to change the flight at the airport or the ticketing office, then pay the processing fee. 
  5. Although, you can change the flight to 2 hrs before the scheduled departure. 

These are some important points related to the Air Canada Change Fee flights. 

Services by the airline:

Air Canada always promises to offer the best flying experience to different parts of the world. Here, passengers can easily change or cancel their flights as per their choice. There are several other benefits that the airline provides you to enjoy the excursion.

Conclusion:

We have provided you with all the respective details about the process to change the flight with Air Canada. So, go through all the relevant details & understand everything 

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