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How to grow youtube channel: Hello, and how are you guys, you have got a lot of information about Blogging from The daily website and you will continue to get more tips in the coming Is blogging still a thing in 2020? WordPress Blogger days, but in this post today I am going to talk about how you will grow your youtube channel / YouTube tips because it is also very important, Youtube also has a big role in the online earning category. So I hope you like this article, and you will read it carefully.

Youtube is a platform from which we can place ads on our video and make money from it, in Youtube you have to create an account, and then show your talent through video, and when people see that video, then along with the video, ADS also starts appearing, and we can earn money from there. how to grow youtube channel, Youtube tips.
Now it depends on you what kind of video you will make and how well you are able to put your talent in front of people. it totally depends on you.

To create a channel on Youtube, you need an email account, which you can create for free from Google, using Google’s Gmail service. how to grow youtube channel, Youtube tips.
To create a Gmail account you need A phone number, after creating a Gmail account you have to sign up on YouTube and create a Youtube account.

But when it comes to earning, then you will need a lot of things like PAN card, Aadhaar card or voter id, or driving license, bank account, correct name, and address.

Without them, you cannot make money from youtube.

Apart from this, you will need a laptop or PC with which you can edit videos, although you can also make videos from your smartphone, but the smartphone does not have such good quality video.

And you know that in today’s time everybody likes to watch HD videos, so you also have to take special care in the quality of the coming videos.
So if you do not have much money, then you can buy an action camera, whose video quality is very good, and it will cost around 3000 to 5000 rs, still, I have given the link to buy an action camera below You can buy if you want.

To get success on YouTube, you have to take care of a few things, first, you have to choose a topic, the topic can be anything, if you can do a good job on that topic, then you will definitely get success.

As many people tell you on Youtube that Thumbnail has to be correct, description has to be added correctly, it is all simple things that everyone knows, but you have to keep in mind that the work you are doing, is that work right, is he able to present things properly to the people.

I have seen so many YouTube channels, who feel that after watching the video, they are composing the video forcefully, they do not have any interest while making the video, and in this way, they do not do things right they Can not explain the things properly, nor is the quality of video good.

Video quality does not mean that you need a good camera. A good laptop is needed for video editing. how to grow youtube channel, Youtube tips.

Video quality means your talent, how well you are able to present yourself in front of people, there are many people here, especially those who are 17 or 18 years old who do not know anything, But on seeing someone else’s channel, they have started making videos on YouTube.

This is useless work, people do it because thousands of videos available on youtube it is said that you can earn millions from YouTube, and AdSense approval is needed to earn money.

And those who are new in this field they forget about other things and only Adsense remains in their mind, and then they focus only on Adsense, and they make videos, due to which they never get success in life.

Yesterday one of my students messaged me, sir, How do I grow my youtube channel because I have been making videos for 1 year and so far I have not received any results.

Then I told him that brother, you should work properly, your video is not right. So his reply was that youtube is getting mad, now no channel can move forward, and then he deleted his channel.

There are people who always like to walk in an easy way in life, and the result is they never get anything.

If you want to grow a youtube channel or get success in any work, then you have to work hard. There is no other way.

If you are starting by watching other channels, if you want to come to youtube thinking that only earning money from Adsense, then it would be better to do a job somewhere, do not waste time here.

I have also seen people who are only running for AdSense, no matter what is in the video, they have nothing to do with the content, sometimes I like to slap such people, this type of people waste their time unnecessarily. In addition, it also disturbs the family

There are some people who do not even know about youtube, and they also start putting videos on channels, but the video is not their own, they copy any video, and upload it to their channel.

And after a few days, Youtube deletes their channel, even people leave their studies to leave their Job, due to Youtube.

People who do this are really stupid, Youtube is just a website where we can only access our talent to the people, earning from Adsense is just a Buenos of our work, maybe in the coming days Adsense may not work on youtube.

If you work properly, Adsense is a very small thing, there are many other ways to earn money from YouTube

Some people are so useless people who do not know anything other than just counting views on their channel, they will always keep asking how much $ will be found in 1000 views.

I do not like to answer the questions of such stupid people.

You just keep working, it depends on the public to recognize your work, if they like it, they will make you king, it is not that Youtube did not recommend your video to people, but rather YouTube supports a new Youtuber.

As far as I think, there is no need for any kind of expensive things for the growth of youtube channels, nowadays every Smartphone has such a good camera that can easily bid a Dslr, and all my videos are also Recorded from my phone.

The quality of the video will be completely dependent on your user. Do not think that you will need a laptop or Dslr to start the channel.

You can also get started with small things, if I talk about me, I use a 6fit tripod and my smartphone.

My work is done only in this, if you talk about a little more investment, then you can buy a MIC for yourself, which you get in 200 or 300 rs.

So if you have talent, if you are able to impress others with your art, then you are welcome in the world of Youtube, So jump into the world of YouTube, I am sure you will break through all the difficulties and get ahead.

The remaining thing, you should not pay attention to the various tips and tricks mentioned on youtube. how to grow youtube channel, Youtube tips

So friends, hope you would have liked this post, if you like then do not forget to like and share, because sharing is caring.

लगभग 2000 वर्ष पूर्व सर्वप्रथम एशिया के मैग्नीशिया नामक स्थान पर एक कत्थई रंग का पत्थर प्राप्त हुआ , जिसमें लोहे के कणों एवं छोटे – छोटे टुकड़ों को आकर्षित करने का एक विशेष गुण विद्यमान था।

लगभग उसी समय इस पदार्थ में एक अन्य विशेष गुण भी पाया गया , जिसके अनुसार इसे धागे से बाँधकर स्वतन्त्रतापूर्वक लटकाने पर यह हमेशा एक विशेष दिशा north- south दिशा में रुक जाता है।

इनके कारण इस पत्थर का प्रयोग नाव चलाने वाले दिशा ज्ञात करने के करने लगे और उन्होंने इसका नाम लोडस्टोन (loadstone ) अर्थात् ‘ दिशा बताने वाला ‘ पत्थर रख दिया।

चुम्बकत्व का काम चुम्बकीय पदार्थों के अलावा विद्युत धारावाही चालक के द्वारा भी दिखाया जाता है , जिसे विद्युत चुम्बकत्व के नाम से जाना जाता है।

चुम्बकत्व का आण्विक सिद्धान्त Molecular Theory of Magnetism :- चुम्बक का लौह तथा लोहयुक्त पदार्थों को अपनी ओर आकर्षित करने का गुण चुम्बकत्व कहलाता है।

I. प्राकृतिक चुम्बक Natural Magnet :- मूल रूप में पृथ्वी से प्राप्त होने वाले चुम्बक को प्राकृतिक आदि। इसकी आकृति एकसमान नहीं होती तथा इसके चुम्बकीय क्षेत्र तीव्रता बहुत कम होती है । इसलिए प्राकृतिक चुम्बक की अपेक्षा कृत्रिम चुम्बक अधिक प्रयोग में लाए जाते हैं।

II. कृत्रिम चुम्बक Artificial Magnet :- जिन चुम्बकों को किसी चुम्बकीकरण विधि द्वारा तैयार किया जाता है उने कृत्रिम चुम्बक कहते हैं। इस्पात अथवा लोहे की छड़ को प्राकृतिक चुम्बक पत्थर से रगड़ने से अथवा इस्पात / लोहे की छड़ के ऊपर विद्युतरोधित तांबे अथवा एल्युमीनियम के तार की क्वॉयल लपेटकर क्वॉयल में उच्च मान की डी.सी. धारा प्रवाहित करने पर उस इस्पात / लोहे की छड़ को कृत्रिम चुम्बक बनाया जा सकता है।

जटिल चुम्बक जो है दो प्रकार के होते हैं

i. स्थायी चुम्बक :- स्टील के छड़ को प्रबल शक्ति वाले चुम्बकीय क्षेत्र के प्रभाव में रखा जाए तब चुम्बकीय प्रेरण के द्वारा यह चुम्बक बन जाता है। 

इसके बाद चुम्बकीय क्षेत्र को हटा लेने पर भी इस छड़ में चुम्बकीय प्रॉपर्टी स्थायी रूप से बना रहता हैं और यह छड़ चुम्बक के रूप में कार्य करने लगता है। 

इस प्रकार इस्पात की छड़ स्थायी चुम्बक बन जाती है। इन चुम्बकों में चुम्बकीय गुण लम्बे समय तक विद्यमान रहते हैं।

ii. अस्थायी चुम्बक :- जिन भी चुम्बकीय पदार्थों को चुम्बकीय क्षेत्र के इफ़ेक्ट से रखे जाने पर इनमें चुम्बक गुण आ ही जाते हैं और इनको चुम्बकीय क्षेत्र से हटा देने पर इनके चुम्बकीय गुण खत्म हो जाते हैं , उन पदार्थों को अस्थायी चुम्बक ( temporary magnet ) कहते हैं। 

अस्थायी चुम्बक को बनाने के लिए नरम लोहा और सिलिकॉन – लोहा मिश्रित धातु (silicon steel alloy ) आदि का उपयोग किया जाता हैं।

चुम्बक निर्माण विधियाँ Magnet Formation strategies

चुम्बक तथा चुम्बकीय पदार्थ की सहायता से हम कृत्रिम चुम्बक का निर्माण कर सकते हैं । चुम्बक बनाने की विधियाँ निम्न प्रकार हैं।

(I). एक स्पर्श विधि :- इस विधि में एक छड़ – चुम्बक को ( किसी एक ध्रुव की ओर से ) स्टील की छड़ पर एक सिरे से दूसरे सिरे तक 50-60 बार रगड़ा जाता है , जिससे स्टील की छड़ चुम्बक बन जाती है।

छड़ के जिस सिरे से चुम्बक के उत्तरी ध्रुव को रगड़ना प्रारम्भ किया जाता है वह सिरा उत्तरी – ध्रुव बनता है तथा दूसरा सिरा दक्षिणी – ध्रुव बन जाता है।

(II). दोहरी स्पर्श विधि :- इस विधि में स्टील की एक छड़ को दो छड़ लकड़ी के एक गुटके से पृथक्कृत दो अन्य छड़ – चुम्बकों को स्टील की छड़ के मध्य बिन्दु पर रखा जाता है और उन्हें बिना उठाए छड़ के एक सिरे से दूसरे सिरे तक 50-60 बार रगड़ा जाता है।

रगड़ने की क्रिया उसी बिन्दु पर समाप्त की जाती है जहाँ से प्रारम्भ की गई थी। चुम्बकों की ध्रुवताएँ तथा स्टील की छड़ में उत्पन्न हर चुम्बकत्व की ध्रुवताएँ होती हैं।

(III). विभाजित स्पर्श :- चुम्बकों पर स्टील की छड़ को रखा जाता है , परन्तु इसमें रगड़ने वाले दो छड़ – चुम्बकों के बीच कोई लकड़ी का गुटका आदि नहीं रखा जाता और दोनों छड़ – चुम्बकों को , स्टील की छड़ के मध्य बिन्दु से उसके सिरों की ओर विपरीत दिशाओं में रगड़ा जाता है।

दोनों छड़ – चुम्बकों को उठाकर पुन : मध्य बिन्दु पर रखकर सिरों की ओर रगड़ा जाता है। 50-60 बार इसे प्रक्रिया को दोहराने पर पर स्टील की छड़ , चुम्बक बन जाती है।

इस विधि में भी चुम्बकों की ध्रुवताएँ तथा स्टील को छड़ में उत्पन्न हुए चुम्बकत्व की ध्रुवताएँ के अनुसार होती हैं।

(IV). वैद्युतिक विधि :- चुम्बक बनाने की उपरोक्त तीनों विधियों द्वारा बनाए गए चुम्बक , शक्तिशाली नहीं होते।

अत : शक्तिशाली स्थायी चुम्बक बनाने के लिए वैद्युतिक विधि अपनाई जाती है। इस विधि में चुम्बक बनाए जाने वाली स्टील की छड़ को एक क्वॉयल के बीच में रखा जाता है और क्वॉयल में शक्तिशाली D.C. विद्युत करंट प्रवाह की जाती है कुछ ही घण्टों में स्टील की छड़ चुम्बक बन जाती है।

यदि स्टील की छड़ के जगह पर नरम लोहे की छड़ प्रयोग किया जाए तो उसमें चुम्बकत्व का अस्तित्व तभी तक रहेगा जब तक कि उसकी क्वॉयल में से विद्युत करंट प्रवाह होती रहती है इस प्रकार बनी चुम्बक विद्युत – चुम्बक कहलाता है।

इस विधि में स्टील की छड़ , प्रेरण द्वारा चुम्बक बनती है । इसलिए यह विधि , प्रेरण विधि कहलाती है।

(V) . प्रेरण विधि :- इस विधि में चुम्बक बनाए जाने वाली छड़ को , क्वॉयल के बीच में रखने की आवश्यकता नहीं होती।

इसमें एक अधिक लपेट वाली क्वॉयल के बीच एक नर्म लोहे की छड़ रखी होती है , जिसका एक सिरा , क्वॉयल से कुछ बाहर निकला रहता है और उसी के ऊपर स्टील की छड़ रख दी जाती है।

यह उपकरण पोल – चार्जर कहलाता है। चुम्बक बनाए जा सकने के कारण इसका प्रयोग व्यापारिक स्तर पर सबसे अधिक किया जाता है।

हर घर ,भवन में वैद्युतिक वायरिंग को लगाने के अन्तर्गत ‘ अर्थ ‘ भी करना बहुत जरूरी है। क्योंकि किसी वैद्युतिक सर्किट के शॉर्ट होने पर वोल्टेज की मात्रा बहुत अधिक हो जाती है, जिससे आग लगने का खतरा रहता है।

इसीलिए अर्थिग वह प्रक्रम है , जिसमें किसी वैद्युतिक परिपथ के शॉर्ट हो जाने पर उसमें से बहने होने वाली शॉर्ट – सर्किट धारा को एक इलेक्ट्रॉड के द्वारा ही भूमि ( earth ) में प्रवाहित किया जाता है।
इस प्रकार देखा जाये तो अर्थ ( इलेक्ट्रॉड ) वह साधन है जो विद्युत से चलने वाली  मशीन / उपकरण आदि में फेज तार के धात्विक कवर से स्पर्श कर जाने की स्थिति से मनुष्य को विद्युत के झटके से बचाता है। भूमि के विभव का मान भी शून्य होता है।

अत अर्थ ( इलेक्ट्रॉड ) तार के द्वारा भूमि के शून्य विभव से किसी भी वैद्युतिक उपकरण / मशीन को जोड़ा जाता है , जिससे उपकरण की लीकेज धारा पृथ्वी में चली जाती है और वैद्युतिक दुर्घटना से बचाव होता है।
इस प्रकार अर्थिग , मनुष्य के जीवन , भवन एवं मशीनों की सुरक्षा की दृष्टि से अत्यन्त महत्वपूर्ण होती है।

अर्थिंग का महत्व Importance of Earthing

अर्थिंग मुख्य रूप से मनुष्यों एवं जानवरों को विद्युत आघात से बचाने तथा इस आघात को न्यूनतम करने का एक उपाय है।

वैद्युतिक वायरिंग करते समय एक न भाग को उचित प्रकार से अर्थ करने का कारण , अर्थ लीकेज धारा को निम्न प्रतिरोध विसर्जन पथ प्रदान करना होता है।

वैद्युतिक अर्थ की अनुपस्थिति में सुध अथवा जानवर द्वारा इस धातु भाग पर स्पर्श करना प्राण घातक हो सकता है। मैतिक शॉक उस समय खतरनाक होता है , जब शरीर से प्रवाहित धारा एक निश्चित मिली ऐम्पियर धारा से अधिक हो जाती है।

सामान्यत हमारे शरीर में 50mA से अधिक धारा का प्रवाह बहुत खतरनाक होता है। अगर उपकरण को अर्थ किया जाएगा तो करंट तेजी से पृथ्वी में चली जाएगी और विद्युत लाइन जो है ओवरलोड हो जाएगी  जिससे उपकरण में अधिक धारा गमन होगी व MCB ट्रिप ( अपने से गिर जाती है या फ्यूज उड़ जाएगा।

इस प्रकार से अर्थ के  द्वारा मनुष्य के जीवन की सुरक्षा की जा सकती है तथा किसी भी प्रकार की अनावश्यक हानि या क्षति से बचा जा सकता है।

1. प्लेट अर्थिंग Plate Earthing :- 

अर्थिग की यह विधि नमी वाले स्थानों के लिए अधिक उपयुक्त है। इसमें लगभग 90 सेमी x 90 सेमी आकार का गड्ढा भूतल से 1.5 से 3 मी गहराई तक ( नमी प्राप्त होने तक ) खोदा जाता है।
इस गड्ढे में अर्थिग प्लेट को ऊर्ध्व स्थिति में स्थापित कर उसे अर्थिग तार से नट – बोल्ट के द्वारा जोड़ दिया जाता है। अर्थिग प्लेट के चारों ओर नमक एवं चारकोल की एकान्तर परतें 15 सेमी मोटाई तक लगाई जाती हैं।

गड्ढे में जल डालने के लिए एक पाइप लगाकर उसे मिट्टी से भर दिया जाता है। गड्ढे के ऊपरी सिरे पर जल – पाइप को एक फनल से जोड़ दिया जाता है।

उसके चारों ओर लगभग 30 सेमी x 30 सेमी सीमेन्ट बॉक्स बनाकर , कास्ट आयरन के ढक्कन से ढक दिया जाता है और ‘ अर्थ ‘ उपयोग के लिए तैयार हो जाता है।

2. पाइप अर्थिंग Pipe Earthing :- 

अर्थिग की यह विधि सभी प्रकार के स्थानों पर प्रयोग की जा सकती है।
इसमें लगभग 30 सेमी x 30 सेमी आकार का गड्ढा , भूतल से 2.5 से 4.0 मी गहराई तक खोदा जाता है। इस गड्ढे में अर्थिग तार लपेटकर जी.आई. वाशर तथा सॉकेट से कस दिया जाता है।

अर्थिग पाइप के चारों ओर 15 सेमी चौड़ाई में नमक के डले तथा चारकोल चूर्ण की परतें जमा दी जाती हैं।

गड्ढे में जल डालने के लिए पाइप तथा फनल लगाकर गड्ढे को मिट्टी से भर दिया जाता है और फनल के चारों ओर लगभग 30 सेमी x 30 सेमी आकार का सीमेन्ट – कंक्रीट बॉक्स बनाकर कास्ट आयरन के ढक्कन से ढक दिया जाता है। इस प्रकार निर्मित ‘ अर्थ ‘ उपयोग के लिए तैयार हो जाता है।

3. वाटर टैप अर्थिंग Water Tap Earthing  हैण्ड पम्प का पाइप भूमि के अन्दर काफी गहराई तक गड़ा होता है। इसके आस – पास की जगह में नमी बनी रहती है।

इस कारण यह ‘ अर्थ ‘ का कार्य भली प्रकार से कर पाता है। पाइप के ऊपर अर्थिग तार को कसकर बाँध दिया जाता है या सोल्डर कर दिया जाता है।

अर्थिंग तार की माप प्रत्येक 50 ऐम्पियर लोड के लिए या इसके किसी भाग के लिए 8 मिमी x 25 मिमी की ताँबे की पट्टी की होनी चाहिए

4. रॉड अर्थिंग Rod Earthing :- यह विधि सस्ती होती है तथा इसमें समय भी बहुत कम लगता है। इस विधि के अन्तर्गत ताँबे या जस्ते की ठोस रॉड को भूमि में दबाया जाता है।

और 12-20 मिमी व्यास की कई रॉड होती हैं , जिसमें से एक रॉड नीचे से नुकीली होती है , उसे ही काफी गहराई तक जमीन में गाड़ा जाता है। यह रॉड जितनी गहराई तक गाड़ी जाएगी उतना ही ‘ अर्थ ‘ प्रतिरोध कम होगा। इसके ऊपर से ही ‘ अर्थ ‘ तार क्लैम्प द्वारा बाँधा जाता है।

What is Web Hosting?

web hosting is a service that allows organizations and individuals to post a website or web page onto the Internet. A web host, or web hosting service provider, is a business that provides the technologies and services needed for the website or webpage to be viewed in the Internet. Websites are hosted, or stored, on special computers called servers. When Internet users want to view your website, all they need to do is type your website address or domain into their browser. Their computer will then connect to your server and your webpages will be delivered to them through the browser.
Most hosting companies require that you own your domain in order to host with them. If you do not have a domain, the hosting companies will help you purchase one.  

Can Google Provide Hosting?

Answer is YES. Google provide hosting. IN HTML BASE Google provide html based hosting. Called BLOGGER.

And he Google has also cloud hosting system Called GOOGLE CLOUD



Trusted by over 2 millions websites globally, Bluehost allows you to harness the creative power of WordPress and turn your domain into a beautiful, functional website.

2. Google Cloud:-

Meet your business challenges head on with cloud computing services from Google.

 3.Wix :-

With over 500 customizable templates, Wix is the perfect place to create a professional website, get advanced design features, business solutions, industry-leading SEO, and more. 

4. Squarespace:-

 Build a website, sell online, and build your brand with Squarespace. Just like millions of other dreamers, makers, and doers. 


Set up, design, and manage your online store with Shopify, to make selling on desktop, mobile, social media, marketplaces, retail locations, and pop-up stores easy.  


With customizable designs, domains, and eCommerce tools that are perfect for any online venture, Weebly’s powerful site builder makes it easy to create a professional website or online store.  


Publish your passions your way. Whether you'd like to share your knowledge, experiences or the latest news, create a unique and beautiful blog for free. 

सोलर पैनल सब्सिडी योजना

अक्षय ऊर्जा को बढ़ावा देने के लिए तथा ऊर्जा के क्षेत्र में हर घर को आत्म निर्भर बनाने के लिए सौर ऊर्जा को बढ़ावा दिया जा रहा है | इससे हर परिवार ऊर्जा के क्षेत्र में आत्म निर्भर हो जायेगा तथा बिजली बिल देने से छुटकारा मिल जायेगा लेकिन सौर ऊर्जा को लगाने के लिए अधिक लागत आने के कारण लोगों के बीच अपनी पैठ नहीं बना पा रही है | इसीको ध्यान में रखते हुये हरियाणा सरकार ने वर्ष 2017 में राज्य के लोगों के लिए मनोहर ज्योति योजना लेकर आई है | यह योजना मुख्यमंत्री मनोहर लाल खट्टर के नाम पर रखा गया है | किसान समाधान इस योजना से जुड़े सभी जानकारी लेकर आया है |
Chances are high that you might have already bought term and health insurance policies and now you are happy that you have properly protected yourself.
But before you put your insurance planning on a back seat, it is necessary to find out the gap in your insurance portfolio.
Your term insurance policy will pay money to your family only if you die.
In case you survive the term, you will not get anything in return. What if God forbid, you have an accidental disability which causes loss of income as well?
In addition to medical expenses, there will be other expenses like household expenditure, loan EMIs etc.; which you would have to deal with.
However, without income, you might find it difficult to deal with all these expenses. On the other hand, because you are alive, your term insurance company will not pay anything.
Consequence: You will have to pay all your medical expenses without any financial support from anywhere.
If after an accident, you are in a hospital, your health insurance policy will take care of your medical bills up to a certain limit. However, in addition to medical expenses, you may have to experience loss of income as well.
Consequence: You will have to pay the remaining medical expenses along with making proper arrangement to recuperate from the financial loss that may arise due to loss of income.

So where is the solution?

Even after buying health and term insurance policies, a gap is there in your insurance portfolio, which you can fill with a personal accident insurance policy only.
Mainly covering all sorts of disabilities, here are some of the benefits of purchasing a personal accident insurance policy:
  • A basic accident insurance policy covers both accidental death and disability and can be further enhanced to get extra cover
  • From minor to major, a personal accident policy covers all types of accidents ranging from falling off a stair at home, fracturing an arm while playing football to getting hit by a vehicle
  • It is a useful policy as it offers coverage against partial, temporary, or full disability and even the loss of income
  • Some of the policies are bundled with extra features like child education allowance, coverage for injuries caused due to terrorism, transportation of mortal remains, etc.

Some Horrifying Statistics:

  • 400 road accident deaths/day took place in 2015
  • Due to natural calamities, 20,201 people died in 2014
  • 29,903 people died due to drowning in 2014
  • Over 1.13 lakh people died in fire accidents in last six years
  • total of 27581 Indians died in railway accidents in 2014
  • More than 200 people died and 330 severely injured in train accidents in the last one year

When should you buy and how much coverage is sufficient?

Remember, accidents can happen even in four walls of your house, so, it is necessary to buy a personal accident insurance policy be 100 times of your monthly salary.
It means, if your monthly salary is Rs 5,000, your personal accident coverage should be minimum Rs 50,00,00.
Make sure to buy the policy when you are young because the chances of meeting with accidents are high during that phase of life.
How much payout is available?
It depends on the type of disability and injury, whether that injury is covered or not.
In case of death or loss of two limbs or hands, the insurer pays the entire sum insured, however, in case of loss of one eye or one hand, the insurer will pay half the amount.
The following is the payout made by most of the insurers:
Loss of use/ Actual loss by physical separation ofPercentage of Capital Sum Insured
Sight of both eyes100%
Both hands100%
Both feet100%
One hand and one foot100%
One eye and one hand or one foot100%

How to claim?

Indeed, the claim process of a personal accident insurance policy is simple as you do not need to undergo any medical tests to prove your injury.
While, it is necessary to inform the insurer within the stipulated period, you only need to submit information like your contact details, policy copy, brief of the accident, medical report etc.
Once you have submitted all the necessary documents, your claim would be settled.

Is it costly?

No, not at all, in fact, the premium of a personal accident policy is much cheaper than term insurance policies.
For a Rs 5 lakhs personal accident insurance coverage, you will need to pay only Rs 1,482/year, which is around Rs 123 a day.
Moreover, the premium of a personal accident insurance does not depend on the age of an applicant as it is the occupation which plays an important role in deciding the premium
Therefore, a 25- year old crime reporter will pay higher premiums as compared to a 50-year old dentist.
Furthermore, when you decide to buy the policy online, you get lucrative discounts as well.
With online personal accident insurance policies, the insurer saves on policy administrative costs, which are then passed on to policyholders in the form of cheaper premium rates.
Also, some insurers offer long-term personal accident insurance policies for two or three years in one go. Go for such plans and save your money!
For the premium calculation, insurers can classify occupations under the following heads:
Class 1 (Low Risk)Class 2 (High Risk)Class 3 (Very High Risk)
TeacherVeterinary Doctors
DentistBuildersCircus Performers
AccountantGarage MechanicsProfessional River Rafters

Standalone or rider?

If after reaching at this stage, you have decided to buy a personal accident insurance policy, the next step is to choose between a full-fledged insurance policy and rider.
It is strongly advised to go with a standalone personal accident insurance policy which is more comprehensive than a rider.
Further, a standalone policy covers various types of losses, including partial or temporary disability along with loss of income, whereas a rider covers only the accidental death and permanent disability.
Also, you might be covered under your corporate personal accident insurance, but still it is necessary to buy your personal accident insurance policy.
A personal accident coverage should be minimum 5-10 times of your annual salary, but your employer's coverage may be of a lesser amount.
Further, the group personal accident insurance policy will cease to exist when you leave your job. You can also extend your individual accident insurance to cover your family members as well.
Remember, while you can't stop accidents from happening, you surely can protect it by having a proper safeguard in the form of a personal accident insurance policy.
By the way, I hope you have the answer of the question—why personal accident policy is the first insurance that you should buy?
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Mortgage insurance premiums can increase your monthly budget significantly. They averaged between $100 and $200 a month as of the end of 2016. But sometimes they’re tax deductible—at least through the end of that tax year

The Protecting Americans from Tax Hikes Act

The Tax Relief and Health Care Act first introduced the mortgage insurance deduction in 2006. Congress extended it in 2015 when it passed the Protecting Americans from Tax Hikes (PATH) Act.
But under the terms of the PATH Act, the deduction expired on December 31, 2016. The extension was only good for one year. 

The deduction may not be gone for all time because Congress can renew it. This is one of those deductions that the government reviews annually, and it may be addressed under President Trump’s tax reform bill, which he has said is aimed at helping middle-income families. 

Taxpayers who can claim this deduction are middle-income families because it phases out and becomes unavailable at higher income levels. Deductions for mortgage interest and real estate taxes remain safe in 2017. Only the mortgage insurance deduction is in limbo.

Mortgage Insurance

Lenders typically require private mortgage insurance to secure the debts in the event of default. It’s charged to buyers are unable to make down payments of at least 20 percent. The insurance policy can be issued by a private insurance company or by the Federal Housing Administration, the Department of Agriculture’s Rural Housing Service or the Department of Veterans Affairs.

Loans That Qualify

The mortgage insurance premium deduction applies only to loans taken out on or after January 1, 2007. The insurance policy must be for home acquisition debt on a first or second home. A home acquisition debt is one whose proceeds are used to buy, build or substantially improve a residence.
You typically can’t rent the second home out – you must use it personally, such as a vacation home. You might still qualify a deduction, however, if you treat the second home as an income-producing business asset. Home equity loans don’t qualify for the deduction, nor do cash-out refinances. However, refinance loans up to the amount of the original mortgage are covered.

Income Limitations

You’re not eligible to claim this deduction if your adjusted gross income exceeds $109,000, or $54,500 if you’re married and filing a separate tax return. The deduction begins “phasing out” at lower income limits: $100,000 for single, head of household and married filing jointly taxpayers, and $50,000 for married taxpayers who file separate returns. This phase-out requires that you must subtract 10 percent from the amount of the premiums you paid for each $1,000 that your income exceeds $100,000 or $50,000, whichever number is applicable.
You can find your AGI on line 37 of your Form 1040 tax return.

Claiming the Deduction

Mortgage insurance premiums paid during the year are reported on Form 1098. You should receive this form from your lender after the close of the tax year. You can find the amount you paid in premiums in box 4. There’s currently no limit on the amount of the deduction you can claim if you and your loan qualify. 

You can deduct this entire amount. Prepaid insurance premiums can be allocated over the term of the loan or 84 months, whichever period is shorter, under a ruling from the IRS announced in Notice 2008-15. 

Mortgage insurance premiums are an itemized tax deduction. They’re reported on line 13 of Schedule A, “Interest You Paid.” You can’t claim the mortgage insurance premiums deduction if you claim the standard deduction – you must itemize using Schedule A. 

Canceling Your Insurance

Because there’s no telling when or if Congress will breathe additional life into this deduction, it can pay to check your current mortgage balance against your home’s fair market value. You no longer have to pay private mortgage insurance when your equity in the property exceeds 20 percent, but it’s unlikely that either your lender or the insurer will point this out to you. 

No one is going to voluntarily cancel your policy for you when you hit this magic number – but you can. Be prepared to have your home appraised or a value otherwise assigned by a professional so you can prove the insurance is no longer required. Even if it turns out that Congress does not renew the credit, you may be able to save some money regardless by taking steps to cancel your policy.

NOTE: Tax laws change periodically, and you should consult with a tax professional for the most up-to-date advice. The information contained in this article is not intended as tax advice and is not a substitute for tax advice.

Following is the template In SEO Magz Pro Responsive Blogger Template , this template is the premium version of the In SEO template that I shared yesterday in Stressthinking . In addition to the addition of more interesting features from the free version, there are also several style options available in this version: Grid style, List style, simple version, and safelink version. There are also many choices, for those who are curious, let's look at the features below and the live demo blog in the sidebar of this blog..


  1. Full Responsive
  2. Mobile Friendly
  3. Google PageSpeed Insights
  4. Google Testing Tools : Index
  5. Google Testing Tools : Item
  6. SEO Friendly
  7. Personal Blog
  8. 2 Column
  9. Style Option : Grid, List, Read, and Simple
  10. Featured Post Widget
  11. Recommended Post Widget
  12. Recent Post by Label Widget
  13. Breadcrumbs
  14. Related Posts with Thumb
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  16. Social Share Button
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  18. Shortcodes
  19. Well Documentation
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Seo Blogger Tricks How to Pay Every Month with Cancel or Close a Google Adsense Youtube Account you can practice if you already feel bored playing youtube but never PO alias payday. Well, actually there are tricks so that we can pay every month from google adsense the way is to Cancel or Close the Google Adsense Account that we have even though our balance has not reached the threshold of 1.3 million or 100 dollars
The incident started from trial and error in Google Adsense, I only had a balance of 200k - 1000k, I wanted to advance so that I could not get up to 1.3 million due to being banned. From there, there was an intention to cancel my adsense account and as a result, I was paid directly not less than 2x24 hours.

The important thing is that our google adsense account has verified the pin and don't forget before it is plugged off first, all the youtube channels that are still linked to AdSense so that one day it can be linked (connected) with new adsense.
before being canceled / cancel account change first to Indonesian so it is easier to understand step by step the steps to cancel the google adsense account.

In my experience, for example, today we cancel an AdSense account, usually tomorrow morning / afternoon the money has reached the account (if we use the bank account payment method). If not, we will get an email notification via email and given MTCN (if the payment method is via Western Union / WU).

In the past, I initially didn't believe that canceling an account could be paid, but apparently I canceled the account within 1x24 hours but the news that we wanted had reached my account.

This is the secret to the SALARY per month from Google Adsense !!

With the cancel account trick or close the adsense account, every balance in google adsense is above 130 thousand, you just need to use the open and close system, so you can get payday each month if the balance is more than 130 thousand.

And the trick that I have used so far is safe just as described above, cancel the account, as long as I've verified the pin and bank account.

But it must be remembered that not all Google Adsense accounts have a cancel account button, and not all GA accounts have been canceled when the balance has entered into our account, there is an option to restore the account when logging into AdSense again.

so, if you have canceled and the balance has entered into the account, then there is a restore account / re-active option, then you will be asked to verify your bank account again. Remember that youtubers friends because the risk is borne by the player, hehehe ...

And for the steps on how to cancel your account or close your google adsense account, the method is as follows (with the condition that your adsense account has not been banned):
  1. Enter / Login to the google adsense account
  2. click settings
  3. Click account information
  4. click cancel
That's the Trick to Pay Salary Every Month with a Cancel or Close Google Adsense Account which hopefully can be understood and practiced by you so that every month you can pay. Thus hopefully useful. Congratulations SALARY yeahaahhhh .... cieeeeeee

Use the sun to power your home

Thinking about choosing solar energy ? Here you’ll learn more about how solar power works and the way it can benefit your home, budget and therefore the environment.

The many bright sides

Solar power is clean and it reduces your reliance on traditional sources of electricity. including A battery storage system, you'll still power your home even when the sun is behind the clouds.

How does solar energy work?

It’s a tremendous process, and it all starts with the sun.
Solar power systems are made from panels and an inverter to get electricity for your home.
During the day, the solar panels on your roof capture photons from sunlight. (In case you’re wondering, a photon is that the basic unit that transmits light. It’s a bundle of electromagnetic energy.)

The silicon and conductors within the panels then turn this into energy, which is shipped to an inverter to convert into electricity for your home.
If your home doesn’t use all the facility generated, it’s sent to the electricity grid, or are often stored during a battery system to be saved for you to use later.

Panel and inverters


Types of inverters vary, but two common ones are micro-inverters and string inverters.

String inverters

These are a commonly used for both residential and commercial systems. The inverter is formed from a string that connects rows of solar panels to a box, usually mounted on an outdoor wall. Inside the inverter box, total generated electricity from your solar panels is converted from DC (DC) to AC (AC), therefore the power are often utilized in your home.


Micro-inverters sit under each individual solar array , converting generated DC (DC) to AC (AC) at the panel itself, so there’s no need for an inverter box on the side of your house.

Battery storage systems

Battery storage gives you more benefits from your solar energy system. Excess energy generated by your solar energy system during the day are often wont to charge the battery, which suggests you'll use it within the evening or whenever it’s needed.

Choosing an energy company in Australia isn't a simple decision. does one accompany the large name that you simply recognise, or a lesser-known brand that's advertising an excellent price? the solution is hard , and it depends on variety of things .

We’ve pulled together our list of the highest 10 energy companies in Australia for 2020. These retailers were chosen supported the subsequent considerations:

Customer Service Reputation
Company Size
Reach of Services
Energy companies in Australia are constantly offering new deals and discounts, so it’s worth comparing plans periodically to ascertain if there’s potential to save lots of by switching. Here are the highest ten energy companies in Australia for 2020:

Diamond Energy

Diamond Energy features a high customer service rating, with 100% of its calls being answered within 30 seconds. it had been also ranked alongside Powershop as Australia’s greenest energy retailers in Greenpeace’s Green Electricity Guide. However, Diamond Energy only offers electricity, not gas.


Powershop has been named among Australia’s greenest energy retailers, though like Diamond Energy it only provides electricity. it's entirely online and may be managed through an app that permits you to buy your electricity by purchasing Powerpacks, which may prevent money. Powershop is owned by Meridian Energy.


EnergyAustralia makes the grade because it's one among the most important energy retailers in Australia, serving quite 1.7 million customers. it's a high customer service rating, with 93% of its calls answered in 30 seconds or less. EnergyAustralia lets customers earn Velocity Points, and that they offer both electricity and gas.


AGL is another of the most important energy retailers, offering both electricity and gas. Its customer service rating is 85%, slightly less than EnergyAustralia’s. However, it also features a rewards program for patrons and services five Australian states.

Origin Energy

Origin Energy serves 4.2 million electricity customers, making it the most important energy company in Australia. While its customer service needs work, the Australian Energy Regulator reported that it showed the foremost improvement, decreasing its average call time by a whopping 73 seconds. Origin provides both electricity and gas.

Click Energy

Like Powershop, Click Energy is 100% online. With no overheads, it offers lower rates to its customers. Click offers pay on time discounts on both usage and provide charges, but it only provides electricity services. With 160,000 customers, it's one among the smaller companies on the list, but it's an honest reputation for customer service.

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Alinta Energy

Alinta provides electricity and gas services to over a million customers in five states, including households and businesses of varying sizes. Alinta offers generous discounts on their market contracts, though they only apply to usage charges.

Simply Energy

Simply Energy was established in 2005 and has become one among Australia’s fastest-growing energy companies. they provide electricity to customers in four states and gas to customers in three states. All up they now have over 600,000 customers. They aim to supply competitive prices, and customers also can access loyalty discounts if they're members of SimplyEnergy partners like RACQ and NRMA.


ActewAGL supplies 91% of electricity and gas customers within the ACT. it had been created when AGL and Icon Water came together within the country’s first utility venture . ActewAGL competes with Origin and EnergyAustralia within the ACT, but it's remained dominant.

Aurora Energy

Aurora is owned by the Tasmanian government, and it made the list because it's the provider for 100% of Tasmanian electricity customers. Though Aurora also offers gas , most Tasmanians don’t have access to gas services.

Tango Energy

Tango Energy may be a Melbourne-based supplier, formerly referred to as Pacific Hydro. While they only offer energy to Victorians at the instant , they need plans to expand to other states within the future. Tango offers comparatively low rates, fixed for a minimum of twelve months, plus multiple billing methods to suit different preferences. Their contact centre is Melbourne-based, too!

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Choosing an Energy Company in Australia
When comparing energy companies in Australia, your first choice won't always be available. Not all retailers operate altogether areas, so your options depend upon where you reside .

To read through more detail on the energy suppliers in Australia, our energy supplier guides are only a click away.

The same goes for the sort of energy you employ . While electricity is usually available in most areas, gas isn't always accessible. Not all retailers offer electricity and gas, which can not be a problem for people that solely use electricity.

If you've got a home system , consider any available solar feed-in tariffs when comparing plans. However, don’t forget to require the usage rates, supply charges, and discounts under consideration .

It’s also worth weighing up what proportion energy you employ , and once you use it. Some retailers offer time of use plans, where you’re charged different rates counting on the time you employ your energy.

Confused about the way to find a competitive deal on energy? we will help. Visit to match prices from the highest energy companies in Australia.
We’ve got a number of the world’s largest coal and gas reserves, yet Australia has the sixth-most-expensive energy within the world.

Furthermore, consistent with the Australian Competition and Consumer Commission (ACCC), we are paying 44% more for electricity than we did ten years ago. Ouch.

Something just doesn’t add up.

Why are Australians paying top dollar for electricity?

With electricity retailers, politicians and renewable energy advocates all pointing the finger in several directions, the solution has become more complicated than it should be.

Breaking it down, there are four major factors contributing to a rise in our energy bill: wholesale costs, network charges, retail margin, and environmental costs.

The wholesale costs include the expenses related to generating electricity. These expenses have increased dramatically over the past few years thanks to a snowball of reasons leading up to our present day energy crisis.

The instability and closure of huge power stations has put strain on the whole electricity network. When the National Electricity Market (NEM) was established in Australia in 1998, there was more generation capacity than demand. The oversupply of energy made prices relatively cheap, however this put financial pressure on fuel producers.

Power stations were forced to supply less electricity at lower prices leading to the closure of several large power coal plants across the state .

Now we are faced with an under-supply, not to mention the state of the remaining power stations are not fit for the 21st century.

According to the new Climate Council report, End of the Line: Coal in Australia, there have been almost 100 breakdowns at fuel power stations over a seven-month period ending in June 2018.

Furthermore, by 2020, over half of the coal power stations in Australia will be over 30 years old. It comes as no surprise the older they get, the more unreliable and expensive to operate.

Unfortunately, Australia has did not build enough new generation to replenish the retirement of the present coal plants.

Another large expense contributing to our energy bill is that the costs of poles and wires to supply a reliable delivery of energy.

Australia may be a large country, and thus has one among the longest (and most pricey) electricity networks within the world. Keeping poles and wires well maintained to maneuver electricity round the nation is extremely expensive, and may structure half our power bills.

The third contributor is the retail margin. This covers the prices of the electricity companies’ administration, marketing and other services.

Numerous studies have pointed the finger at retail margins for becoming one among the most important causes for current price rises. In fact, a 2017 study on electricity prices conducted by the Australian Competition and Consumer Commission discovered the prices related to electricity companies accounted for 1 / 4 of the average residential energy bill.

Finally, the govt green schemes have added an additional burn to our energy bills over the past decade with the Renewable Energy Target scheme (RET), household solar array grants and other energy-efficient incentives for households and businesses.

While it’s imperative to reduce greenhouse emissions, the schemes have lacked unity and support from the governments resulting in questionable results.

It appears there has been no plan for Australia as a whole; with state and territory governments sharing the responsibility of their energy supply alongside the Australian Government.

We’ve seen state governments introduce and scrap multiple failed schemes while the Australian Government has rejected policies without even trying them.

So here we are. An under-supply of energy, an aging industry, and no effective policies put in situ to assist things .

So, who is responsible for the rising energy prices in Australia?

Basically everyone.

Yes, that includes us – the customers.

As the Australian Competition and Consumer Commission’s (ACCC) reported within the 2018 Retail Electricity Pricing Inquiry, customers became confused, disengaged and too lazy to buy around.

The electricity market in Australia has become very tiring to know , however a replacement rule implemented to electricity and gas retailers, which started in February this year may change our relationship with our energy bill.

The new rule ensures electricity companies must inform customers of a price change a minimum of five days prior.

It may be an easy change, yet the goal is to enhance the transparency between retailers and customers so we will better understand our energy bills.

While there are many factors behind Australia’s costly energy bills, the great news is we will do something about it.

Shop around and find the most competitive energy plans in your area. You may be surprised just what proportion you'll save by switching your electricity retailer.

Spending longer reception means you'll presumably use more energy, just when many folks are trying to find ways to tighten the household budget. If your home uses variety of gas appliances, then you're likely to ascertain your gas bills rise as you spend longer indoors.

Hopefully more time at home also means a bit more free time. So why not put it to good use and review your energy use? Check out our top recommendations on where you'll start saving now.
Hot water

According to the Australian Government’s Your Home guide, approximately 21% (1) of a typical household’s energy use comes from heating water. Finding ways to scale back the quantity of water you employ reception could immediately assist you reduce your gas bill. Here are some ideas to consider:

1. Temperature

Often, the hot water that comes out of your taps is mixed with cold to bring it to an ideal temperature for showering or doing laundry. Lowering the thermostat on your gas predicament system to a more ideal temperature reduces your gas usage, because the water needs less heating. This alone can help reduce your gas bill.

2. Hot water system

Nearly half (2) of all predicament systems in Australia use gas to heat the water. These days, you can choose from two main types of gas hot water systems: Storage and Instantaneous.

Gas storage systems keep water heated in an insulated tank to be used whenever needed, while instantaneous systems heat water because it is employed . Constant heating during a storage system uses more gas, so it could pay to modify to an instant system to save lots of money.

3. Water efficiency ratings

When buying or upgrading an appliance, listening of the water rating label can prevent money. The Australian Government (3) regulate products under the Water Efficiency Labelling and Standards scheme. Each label features a star rating and is an estimate on what proportion water the appliance uses. Buying appliances with a better rating can reduce the quantity of water you employ .

4. Heat loss

Even though predicament storage tanks are insulated, they still waste about 30% (4) of energy used through heat loss. Insulating the recent water pipes attached to the system can help to scale back this and prevent money – better yet, it'd be worth switching to an instant system.

5. Dishwashers

Dishwashers often have an economy mode that washes your dishes at a lower temperature. Try using this mode to save lots of extra money on water heating and confirm to only turn the dishwasher on when it’s full. When buying a dishwasher, be sure to check the water rating labels and choose one with a better rating.

6. Washing machines

Washing your clothes with heated water only adds to your gas bill. Switching to cold (5) can easily prevent money, while still effectively cleaning your clothes. If you favor to use heated water, always match the water level to the dimensions of the load and check out to only wash your clothes when the machine is full.

7. Showering

Using less predicament within the bathroom can dramatically reduce your gas bill. Simply have showers instead of baths, have shorter showers and fix any dripping taps immediately. You could also save over $300 per year (6) just by choosing a low-flow shower head. And if you're performing from home, you'll end up wanting to shower less or wash your hair less frequently!

gas bill saving tips australia
Gas cooking:

If you've got a gas oven and stove, you'll make changes to the way you cook to assist save even extra money on your gas bill. And with restaurants and cafes closed for eating-in, many folks are cooking reception more. Here are our top tips:

8. Ovens

Recipes that decision for preheating usually have electric ovens in mind, as they take longer to heat up. With a unadorned flame, a gas oven can heat up fast, so you'll usually skip the preheating stage, saving gas within the process. When heat escapes while you’re cooking, it increases the quantity of gas needed to cook your food. Keeping the oven door closed during cooking helps to stay heat contained. Likewise, heat can escape through old or damaged seals. Check the seals around your oven door employing a sheet of paper. If you notice any places heat might be escaping, try replacing your seals.

9. Stove tops

Simply ensuring pot lids fit snugly when boiling water can reduce the quantity of gas you employ . Using round bottom pans also allows the flame to more efficiently heat the food. Why not try turning the gas off just before the food is cooked and permit the residual heat to end the cooking process?<
Want to compare energy plans?

At iSelect, we all know how overwhelming finding an appropriate gas plan are often . With our free service you'll compare gas plans online from our range of providers*, and see if you'll find an idea which suits you.

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