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We spend money on cell phones and tablets, but now tech can save us money too.
Here are my top five ways to save using tech:  
1. Entertainment: Stop paying expensive cable bills.
Craving new episodes of the “The Big Bang Theory” or your favorite novella live without facing that costly cable bill?  “Over the Air” OTA TV antenna technology is now cheaper and has better reception than the old TV rabbit ears of the 1990s.  For a one-time purchase of $15-30, you get free access to as many as 60 HD channels, including ABC, NBC, CBS, FOX, WB, PBS, UNIVISION and TELEMUNDO. Simply buy the antenna and connect it to your HD TV. Free live HD TV for life!  Learn what channels have good reception in your area then buy one of the best selling OTA digital TV antennas.  
Still craving ESPN for sports, AMC for “The Walking Dead” and Disney for the kids? Sling TV now offers all three channels plus 25 more cable channels for only $20 a month!  All you need is an internet connection and you can watch anytime, anywhere.
2. Shopping:  Automatically get discounts on items you purchase.

Take advantage of the “Best Price Guarantee” with no effort. 
Paribus helps you automatically receive money back from online purchases.
Here’s how it works: Many retailers promise you a one or two week “price guarantee.” If you buy a bbq grill for $75 and the next week that same grill is discounted to $50, you can claim a $25 refund. But, if you are like me, you probably don’t have time to monitor store websites for prices.
That is where Paribus comes in: It automatically scans your email purchase receipts, compares what you paid to the current price and refunds you if there is a difference! Paribus works with big online retailers like Amazon, Sephora, Target, Walmart, Gap, Macys, Bloomingdale’s and others. So if you are a frequent online shopper, the savings could really add up!
The service is free to use.  Paribus pays itself a 25% commission on any savings it finds for you.  (ex. On a $25 refund, the company gets $5).
3. Groceries: Always get the best price!

Need milk, eggs, pasta?  Just go to and type in where you live and what you need.  The site automatically tells you which nearby store offers the best price and when the sale is ending!  
4. Caffeine Fix: Starbucks offers sweet perks through its online rewards program

My boyfriend knows not to greet me in the morning until I’ve had my first cup of coffee. For all you other caffeine addicts, the new 
Starbucks rewards program could be a great way to save on your next tall macchiato.  Once you join, you’ll immediately start enjoying perks such as a free drink on your birthday.
With the rewards program, you receive two stars for every $1 you spend. If you collect 300 stars in 12 months, you’ll become a “Gold Member.” Every 125 stars you collect afterwards qualifies you for a free drink or menu item.  If you love Starbucks as much as I do, it is an easy way to get free rewards.  
5. Eating Out: Dig up great deals before you dine.

Eating out can be expensive, especially if you do it often. Hunt for discounts online before you dine. 
LivingSocial and Groupon are both excellent places to discover hot deals at local restaurants and summer food festivals. Yum!, the popular restaurant recommendations guide, also can save you money. Simply download the Yelp mobile app, “check in” at participating restaurants, and you may be eligible for a free appetizer or drink. Yeah!
With today’s technology, saving money on the stuff you love has never been easier.
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Protecting your credit is top priority. Before you mail off that offer, apply online or via telephone, learn some basic information about how to best use credit cards, what an APR is, how credit cards affect your credit, and more. Managing a credit card is important, especially if you want to properly manage your overall credit.

Establishing Credit
Opening a credit card has many benefits. It can help you establish a credit history. If you have never been extended credit, applying for a credit card is the best option, as long as you use the credit card responsibly. Make sure the credit card you apply for reports to the credit bureau. A positive credit report and rating could help you establish credit, which is necessary when you want to finance a house, car, loan, or any other type of large purchase.
The APR Matters
When you receive an offer, always check the annual percentage rate (APR) on the credit card. The APR is the annual percentage rate of interest. This rate will determine how much you are charged if you do not pay off the entire balance of the credit by the due date. The APR is generally determined by your credit rating. If you do not have credit history, the APR could be higher because lenders do not know how you will repay the debt, or if you will use your credit card responsibly. The lower the APR is, the better your credit is. Avoid credit cards with an APR that is above 12 percent. Try to get a 0 percent APR offer if possible.
Look For These Benefits
Be sure to research credit card companies beforehand; know as much about the credit card benefits and fees as possible. Annual fees are charged by the credit card lender. Try to find the credit cards that have no – or low – annual fees, as well as promotions that waive the annual fee for the first year. Verify other fees before accepting the credit card. Those fees include cash advance fees, user fees, over-the-limit charges, and any additional fees that are associated with the credit card. These excess fees could cost you more money than the line-of-credit is worth, which is why you need to know what they are before you accept the credit card offer.
There are many benefits associated with a credit card, such as insurance. The insurance could apply to your home, purchases, and car rentals. Make sure the offer includes credit card protection. This is necessary in situations when your card has been lost or stolen. Third party merchants and businesses often offer discounts to customers of certain credit card companies. Verify what rates and special discounts you have access to before opening your credit card. For instance, some airlines offer points that can be used for miles, and hotels or resorts may offer free night stays once you acquire a specific amount of credit card points.
Cash back incentives are one of the most popular benefits that customers look for when choosing a credit card company. This reward program actually gives cash back to the card holder when purchases are made.
Pay Off the Balance
Paying the minimum amount each month does not actually help with the credit card balance, which is why you should pay more than the minimum amount due if you are unable to pay the balance off in full. Always pay for purchases with cash first; keep the credit card as your last option. If you must use your credit card, try to make a budget and plan to pay the credit card balance off by its due date so you can avoid finance charges and interest fees. Doing so will help you avoid paying out more than the actual purchase made.
Keep Track of Your Purchases
It is easy to buy something today, and forget about the purchase tomorrow. Losing track of credit card purchases could be bad for your credit, especially when the bill comes and you do not have the money to pay for the purchase. Also, try to pay the bill in full before making more purchases. When you allow your balance to increase, this has a negative impact on your credit report. The unpaid balance makes it seem to other lenders as if you are unable to pay your bills in full and on time. High credit card balances could be a sign that someone is not responsible enough to budget. Before you know it, your credit card balance could begin to snowball, and if you are making only a minimum payment, that payment is only paying interest, while your balance remains the same. This could impact you with other lenders and future purchases, including buying a home, car, obtaining insurance, and even when you apply for a job – specifically those employment opportunities that involve finances.
Credit Card Limits
Regardless of how many credit card offers you receive, limit the amount of credit card accounts that you open, independent of how great the offer is. Only open a credit card that you absolutely need. Opening too many credit card accounts could negatively affect your credit score and credit rating. The other downside to opening up too many credit card accounts is the temptation to use them. Multiple cards could tempt you to make unnecessary purchases, which leads to spending beyond your means.
Credit Report Monitoring
From time-to-time, you should order a copy of your credit report. Once you apply for a credit card, many lenders will have access to your information, and unfortunately, some thieves could too. To avoid becoming a victim of identity theft, monitor your credit. If you notice that other credit cards have been opened, or there are lines of credit on your report that you did not open, contact the credit bureau to file a claim immediately. You will need to contact that lender to close the account as soon as possible. Call the police and submit a report. Be sure to check your credit report to see if any credit inquiries have been made on your account. This is when someone applies for credit, but they are denied, or did not open the credit account. Monitoring your credit report is necessary when it pertains to managing your credit rating and score.
Before You Apply
Remember that even though a credit card can be a great financial tool, it could also end up causing a lot of damage to your credit. Carrying a credit card may be more convenient than walking around with cash, but if you are not responsible with the credit card, you could end up spending more than you can afford. Here are 6 important rules to remember:
  1. Never make purchases that you cannot afford to pay back.
  2. Use the credit card in cases of emergency only.
  3. Always choose the credit card with the best interest rates.
  4. Pay the balance in full – or more than the minimum payment due.
  5. Check for errors.
  6. Always be responsible.
Managing a credit card is important; your credit rating and score could depend on it.
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How many of you have tried to build a house brick by brick? Not all of us, but we do know how hard it is to maintain it. Let’s face it, nothing says “it’s Saturday morning” more than the sound of our vecino mowing the lawn or trimming tree branches. Well, building our credit is like building our home sweet home— it’s hard and it takes time, minus the noise. But they’re both rewarding.
Well, we can’t tell you how to build your castle, but we’ve got seven tips for how to build your credit.
  1. Check out a secured credit card.
A secured credit card requires you to deposit a set amount of money, such as $500. That money then becomes your line of credit.
“There are many secured cards to choose from, but you need to look at all the [interest] rates and fees carefully,” says consumer credit expert Beverly Harzog, author of “The Debt Escape Plan.”
Be aware that some secured credit cards will “graduate” you to a traditional (unsecured) credit card once you’ve proven you’re a responsible borrower.  Others don’t, according to James Garvey, co-founder and CEO of Self Lender, which offers credit-builder loans.
  1. Ask for help.
Can’t get a credit card on your own? Then see whether a relative — maybe your padre or your abuela — will add you to an existing credit card. However, that won’t help you if the relative who opened the credit card account has a poor credit history, Harzog warns.
  1. Consider a credit-builder loan.
If you’ve been rejected for a credit card or can’t be added to somebody else’s credit card account, a credit-builder loan might be a good option. Once you’ve paid off the loan, you’ll have an established credit history. Use the loan to soundproof your home from your noisy vecino feeding roosters at 3:00 am.
“A credit-builder account is almost like a savings plan that lets you build credit. It’s a tiny 12-month loan that’s tucked away in a 12-month CD,” Garvey says.
With Self Lender, you can apply for a credit-builder account for free; there’s a $12 fee to activate the account after you’re approved. Self Lender’s three credit-builder plans help you save $550, $1,100 or $2,200 over 12 months.
Under the $550 option, you’ll pay $48.50 a month for 12 months. During that time, your loan payments are reported to all three credit bureaus. When you’ve paid off the loan at the end of 12 months, you’ll have a credit history — and you’ll get back the $550 plus interest.
Alternatives to a credit-builder loan include getting a car loan, which is one of the easiest types of loans to obtain, and making student loan payments on time, according to Experian, one of the major credit bureaus.
  1. Make credit card payments on time.
It’s OK to make the minimum payment on your credit card each month, but we shouldn’t make payments past the due date. Paying past the due date, may mean paying a late charge or worse, having the late payment show up on your credit report, says credit counselor Julie Marie “The Credit Lady” McDonough, author of “How to Make Your Credit Score Soar.”
Consider putting your bills on auto-pay so your bills always are paid on or before the due date, says Erik Carter, a certified financial planner with Financial Finesse.
  1. Don’t use all of your available credit.
Why is this important? Because as much as 30 percent of your credit score is based on your utilization ratio, or how much of your credit you’re using compared with how much credit you have available.
Harzog recommends keeping the utilization ratio below 30 percent. If you’re trying to build credit more quickly, she says, then keep the ratio below 10 percent.
  1. Check your credit report.
Looking over your credit report lets you make sure there aren’t any errors that could lower your credit score. You can get a free credit report from or from many personal finance websites. Think of it as checking your roof for any leaks. It’s all about keeping your house ready for hurricane season.
  1. Have rent and utility payments reported to credit bureaus.
Experian says that if you’re good about paying your rent and utilities, you should ask your landlord or utility providers to report your positive payment history to the major credit bureaus. Rent and utility payments normally don’t show up on your credit report — unless you’ve really screwed up those payments. So, if building la casa and then renting it, report it. Trust us, if we screw up, they’ll be reporting us. Make sure credit bureaus know the good too!

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Coal India Limited (CIL) has published Advertisement for below mentioned Posts 2017. Other details like age limit, educational qualification, selection process, application fee and how to apply are given below.

Posts : Management Trainees

S. No
Name of Discipline
No of Posts
Education Qualification
B.Tech / BE / AMIE / B.SC Engineering Degree in related Branch from a recognized university or institute.
Chemical/ Mechanical
Electronics & Telecommunication
Industrial Engineering
M.Sc / M. Tech Degree in Geology with minimum 60% Marks.
Material Management
Electrical or Mechanical Degree with MBA / PG diploma minimum 60 % Marks
Finance & Accounts
Applicant qualified in CA or ICEW to apply application form
Personnel & HR
Post-Graduation Degree / PG Diploma in management courses with 60% Marks
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MBA / PG Diploma in management with minimum 60% marks
M.A in Hindi with 60% marks from a recognized university.
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Post-Graduation Degree / PG Diploma in management courses with 60% Marks
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Graduate in Law of 3 years / 5 years duration with 60% marks
Total No. of Posts : 1319 Posts

Educational Qualification : Please read Official Notification for Educational Qualification details.

Age Limit : Upper age limit is 30 years for GENERAL (UR) category candidates.
Cut-off date for age limit is 01-Dec-2016.

Application Fees : Candidates belonging to General / OBC(Creamy Layer & Non Creamy Layer) categories are required to pay a Non-Refundable Application Fee of Rs 1000/- (Rs. One Thousand only). SC/ST/PWD candidates/Employees of Coal India Limited and its Subsidiaries are exempted from the payment of Application Fee. Application fee will be paid through On-line mode i.e. Debit
Card/Credit Card/Net Banking etc. There will not be any other mode of payment of application fee.
In case a candidate deposits the fee in any wrong account or through any other mode, CIL will not
be responsible for non-receipt of application fee. Fee once paid will not be refunded under any
circumstances. Candidates are therefore advised to verify their eligibility conditions before applying.

Selection Process : Candidates will be selected based on Computer Based On-line Examination and an interview.

Computer Based On-line Examination: The On-line Exam will be held for duration of 3
Hours (in one sitting) consisting of two Papers. Paper-I will consist of General Knowledge/Awareness, Reasoning, Numerical ability and General English and Paper-II –
Professional Knowledge (Discipline related) with 100 objective type questions with multiple
choice answers in each Paper. Each question will carry 1 mark and there is no penalty for
wrong answer. No marks will be awarded for un-attempted questions. The question paper shall
be set in bilingual language i.e. English and Hindi only. However, in case of any typographical
error in Hindi, the English version of the question shall be considered as valid. The qualifying
criteria of the examination will be as follows:
Qualifying criteria in the Computer based Test
OBC (Non Creamy Layer)
Minimum 40 marks in each
Minimum 35 marks in each
Minimum 30 marks in each

How to Apply : Interested Candidates may Apply Online Through official Website.

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Important Dates :
  • Starting Date of Online Registration5th January 2107 (10 AM)
  • Last Date of Online Applications - 3rd February 2017 (11 PM)
  • Date of Online Exam - 26th March 2017 (Sunday)