Life Before And After Imposition Of Gratuity In India

We got independence in 1947 but the people started working even before getting independence. Employment was there even before independence, it was low as compared to now but people were engaged in rendering serving in offices and workshops even at the time. The major difference between the employment was the amount of gratuity that we receive now was not there at that time. 

You simply cannot compare today’s salary with that time as the expenses have also changed with time. Things had a price according to the pay on individuals at that time also and so is the current situation of the nation. So, it is not correct to compare the salary of individuals of that time and individuals of the current time. 

One thing that can be compared is the amount of gratuity. People who were working at that time were not entitled to receive any kind of extra income even after their retirement but now it is mandatory in India to give every person who has worked for at least 5 years in the same organization the bonus and gratitude for his loyalty towards the organization. 

With the implementation of the gratuity act in 1972, many people were benefited from this policy by the government. Let’s compare two people, one who retired before the gratuity act the other one who retired after the gratuity act. 

  • The first person started his job in 1950 and worked till 1970 and dropped his job after that to try something new in his life. He was paid enough to run a house of 4 members comfortably but when he grew older he exhausted all his money and he has to depend on his family members for everything. 
  • The Second person, on the other hand, started working in the year 1955  but worked until 1985. The gratuity act came in between the period and he worked for almost 13 years after the implementation of this act. He was also getting good pay at his job but when he retired, he received a bonus amount into his account in the name of gratuity. He uses it to fulfill his needs and was never dependent on his family for any expenses.

The major difference that gratuity made in both their lives can be clearly seen here as the first one has to depend on someone after getting retired as he has no money to take care of himself, on the other hand, the second person was able to take good care of his health and needs without depending on anyone of his family. 

The gratuity act has helped so many people like in this way by enabling them to live freely in their old age and to never get depended on any of their family members. Now all the employees working in a corporation for over 5 years are going to be benefited from the same gratuity act. If you have no idea how much amount you will be getting here as gratuity, you can use the Gratuity Calculator For India to examine and get an approximate figure of your gratuity amount. 



How important is getting a high CGPA

In this article, I wanted to have a serious discussion with you because a lot of people are delusional about this topic. So, I wanted to bring this up in front of you because even I appraise problems because of this. So, is getting a high CGPA important? 

Hell Yeah! It is. Because, if you get a 9.0 or something like that in that bracket, you become unstoppable in getting admission. You’ll get into one of the top universities in the world if you have a very high CGPA. Universities look for people with high CGPA they give stipends to people with high CGPA.

I’ll give you an example, there’s a university called the University of Southern California. It’s in the top 20 universities in the US for computer science. I have a 325 GRE score which is pretty decent and there was one guy who had only a 310 score, but, he got admitted into the University of Southern California just because his CGPA was 9 and I couldn’t get admitted because my CGPA was 8.45. With high CGPA you are getting into one of the top 20 universities of the world just because you are academically excellent, so why not take advantage of that.

Now, you can argue that skills are more important, but you have to accept that everything is gonna go down the drain if you do not have a high CGPA. A high CGPA score can become a deciding factor for your profile and for you to get admission into a top university. Some factors are not under your control, something like the university’s decision which is not under your control; they can even reject the best of the profiles. But, getting a high CGPA is under your control because you are studying in college right now, so you have the opportunity to get it.

Some of you might argue that my college gives academic scores in percentages and doesn’t shell out CGPA. I agree with that, but there are options to convert percentage to CGPA. Many online tools are available that convert percentage to CGPA, you just have to search the internet. You can mention your converted CGPA along with your percentage in your profile to seek admission in a reputed university. I can tell you, they will be impressed even with that if you have a high score.

CGPA is not the reflection of your true essence or your true capacity. CGPA is a testimonial that you are dedicated; that whatever you are told, however you are told, whenever you are told, you achieve that. To me, CGPA is the mirror of your dedication. In real life you probably need more than dedication, you need dedication, you need communication, you need knowledge, and you need persuasive attitude. So trust me, if you have a very good CGP and if you’re missing the other things, you probably are not on the right course of action.

A high CGPA ensures that you will be called upon; you have a better chance in the selection process. But, the selection process is just the beginning; it’s the tip of the iceberg, and then once you’re selected, starts the real game.


Best tools to use for your social media strategy

We all use social media for one or another purpose, mainly we use it for interacting with our family and friends. So let me tell you, we can use social media to optimize our business as well. I’m going to tell you about six free social media tools that can take your social media strategy to the next level and you can make most of it in your business. So let’s start with the list.

Google Alerts

We all need fresh content every time in our business. For different niches, there are different content. Every day there is some new update, so how can you keep yourself updated? You can keep yourself updated with Google Alerts. You can simply put a keyword in google.com slash alerts and you can get all the new information, all the new blogs, all the news coming up associated with that particular topic, so that can help you in creating fresh content for your social media users.


You can design different form of pictures, different forms of graphics, you can make presentations as well with Canva, and share it with social your social media users. This can give you a new horizon and you can bind your audience, and your audience will be waiting for your next graphic which you are going to post on your social media channels.

Vaporwave Text Generator

An eye-catching text font is as important as a consistent content for your social media posts. If want to create unique and fancy text fonts for your social media posts, Vaporwave Text Generator is an ideal option. Vaporwave text generator is a tool that converts normal fonts to aesthetic text fonts.


So, now you need to compare yourself with your competitors, what they are doing and what you can do to beat them in social media. So, Vaizle is an amazing tool that gives you access to all the analytics of your competitors and you can compare it with your brand. You can add different social media profiles of your brand as well as your competitors’ to get a competitive analysis which will help you to create a social media strategy that can beat your competitors.

Twitter Deck

If you are a twitter enterprise that manages multiple Twitter accounts, then this tool is for you. You can manage multiple accounts on Twitter Deck with a single profile. So, there is no restriction of adding several Twitter accounts in the same Twitter deck. You must try Twitter deck and it’s free of cost as it’s a tool provided by Twitter itself.

Hoot Suite

Hood Suite is a scheduling software in which you can schedule your social media posts. It’s not easy to post every day because we have work one day or another. But, with Hoot Suite, you can schedule your post. It has a free plan that gives you access to about 3 profiles and you can schedule up to 20 posts with that. This tool can help you to stay on social media even if you are away from social media.

So with these 6 free social media tools, you can design your social media strategy and become a social media ninja.


Pradhan Mantri Awas Yojana 

Pradhan Mantri awas Yojana is an initial taken by the government, which aims to reside poor homeless people or to facilitate those with proper electricity, gas connection, sanitation etc, who are living under poor conditioned houses.

  • This Act or yojana was for the goodness of low income groups and or economically weaker sections.
  • The initiator of this yojana was announced in 2015 by our Prime Minister Narendrea Modi Ji, he promised everyone to avail job and houses to all and in order to fulfill his promise, he took this initiative.
  • Many other schemes like saubhagya yojana electricity connection, access to drinking water, jan dhan banking facilities, Ujjwal yojana Lpg connection, and toilets are converged in this scheme.
  • Basically this scheme, Pradhan Mantri Awas yojana provides affordable housing to few sections of the country like- economically weaker section and low income groups. i.e., they are not free of cost.

History of the Programme


  • This scheme; Pradhan Mantri Awas Yojana was established or introduced in 2015, to provide an affordable housing to urban people.
  • Under Pradhan Mantri Awas Yojana scheme, initially 2 crore houses were proposed to be built (worth an assistance of 2 trillion INR from central government) in urban areas by year2022 (only for economically weaker sections and for low income groups of people).
  • This mission or scheme considered few components; they planned an in-situ slum redevelopment with the participation of private sector using only land as resource.
  • An affordable housing through a subsidy linked as credit.
  • Partnership with private and public sector along with the beneficiary led to construction and enhancement in houses though affordably in this scheme.
  • The assistance from central government will range from INR 1 lakh to INR 2.30 lakhs to hold all necessary components.


About the Programme

  • Under the features of Pradhan Mnatri Awas Yojana, the government is going to provide an interest subsidy of 6.5 % to low income groups and to economically weaker sections and 4 % for MIG I and 3 % for MIG II on housing loans availed to the beneficiary for a period of 20 years under CLSS (Credit link Subsidy Scheme) from the start of the loan to eligible and interested candidates. 
  • An eco friendly technology will be used in the construction of houses lying under Pradhan Mantri Awas Yojana. These houses will be multi leveled and the allocation of ground floors will more preferably get done to either differently abled or older citizens for their convenience.

Eligibility Criteria

Condition of PMAY:


  • Maximum age of the beneficiary is 70 years.
  • The estimated Family income for eligibility of economically weaker section (EWS) is INR 3 Lakhs per annum and INR 6 Lakhs per annum for Lower income group (LIG).
  • And for Middle Income Group (MIG I) the income must be ranging from 6 lakhs to 12 Lakhs per annum and for MIG II it must be between 12 Lakhs to 18 Lakhs per annum.
  • The beneficiary should not have an own dwelling unit on the name of any family member in any part of media.
  • The houses under this scheme will be owned by females or jointly with males.


To know more or to apply for pm awas yojana click pmawasyojana.net.


Why Network Cable tester Is Required?

A link analyzer is an electronic gadget used to confirm the electrical associations in a significant link or other wired get together. Satellite TV analyzers are progression analyzers that confirm the presence of a conductive way between parts of the bargains and check the right wiring of connectors on the link. Fundamentally the analyzer sends a signal from one end of the container to the next, and this will be the message which is transferred through the link, much as would happen in your PC organize. You can think about the LAN analyzer as a tone generator. It creates these tones that travel through the LAN links from one end to the next.

A network cable tester is a gadget that is utilized to test the quality and network of a specific kind of link or other wired gatherings. There is a wide range of sorts of link analyzers, each ready to test a particular kind of link or wire (some might have the option to test various kinds of links or wires). A link analyzer can test whether a link or wire is set up appropriately, associated accurately, and the correspondence quality between the source and goal. 

For PCs, one of the most widely recognized kinds of link analyzers utilized is trying Cat 5, Cat 5e, and Cat 6 system links. Since such a significant number of various kinds of information can be transmitted over a system link, it is significant that the system link interfaces appropriately between the PC and server. However, the Best Network Cable Tester is a device that can test the link connectivity of all the cable types. 

Additionally, ensure the sign quality between PCs is sufficient for transmitting information and that there is no outside obstruction causing lost information or diminishing in signal quality. A link analyzer can test for these variables and confirm the system links associations are right and will work for the proposed reason.

To test an Ethernet link, you need a link analyzer. There are various models of link analyzers you can buy. Some have a separable beneficiary unit that you can use to test a link crosswise over two rooms. Always try to buy those cable tester that supports all the connection types and offer more durability at work. Like if you are a technician working on the field to check ethernet cables for errors in the line you need to have a device that is more reliable so that you never face any delay in your work. 

These cables testers are easily available on many e-commerce sites and you can buy them by checking on their price, reviews, features and their major drawbacks. Compare all the other brands first and always buy the brand which is the most trusted one and with a minimal amount of drawbacks. If you are not able to find the best reviews on online e-commerce platforms you can just go through the internet websites providing ratings a reviewing these devices so that people can make the best use of their money while buying any kind of device.


Play 8 Ball Pool Like A Pro

The 8-ball pool is played with a white “cue ball” and Fifteen total balls–one black “8-ball” included. One participant attempts to pocket a solid ball, marked between 1-7 balls, while another is going to chase a stripped numbered ball between 9 to 15. Until the participant pokes all the correct balls, whether stripes or solids, a player may not pot the eight ball which is the black colored ball. The participant who pots all the 8 balls at first wins the 8 ball pool game.

Professional players all around the world are playing this game on the same platform and you never know what kind of opponent are you going to face as it is selected randomly by the game server and maybe you are in an initial stage but you got a match with a professional player. You cannot simply control this and this is something which is very annoying about this game that you have to face competitors way bigger than your rank.

If you are also looking for some tips to play like a pro in this game than you are going to read out some information that will help you in defeating the players who are on a higher rank as compared to you. Trick is easy and you just need some basic knowledge about the 8 ball pool game with some basic tactics on how to pot the ball into those holes. You will be able to gran more coins and cash using this simple trick.

Basically, this trick works best on the android devices as compared to IOS platforms but if you are using IOS devices you can also try these tricks, maybe it works for you as well. The way you can compete against the pro is the 8 Ball Pool Hack For Android, by using this simple hack you would be able to unlock all the best cues and tables wit unlimited coins and cash in the 8 ball pool game. 

The hack works in a very simple way, you just have to visit some website proving the “MOD APK” of 8 ball pool and install that APK on your android device but remember you have to uninstall the standard APK of 8 ball pool first and make sure that you have saved all your information and data before deleting that application. IOS users can try downloading the apk but as far as I know, Apple devices do not allow these kinds of APK’s to be installed on their device.

Android users can easily do this by installing the modified APK of 8 ball pool from any website and run the game with almost everything unlocked and this is what many players who are on a higher rank do mostly. They use hacks to raise their level up by beating everyone. You have got unlimited coins so there is no fear of losing coins and cash in the game. Try using this trick on your mobile and if your APK is not running on your device try downloading it from some other website.


Gratuity – Different Rules Different Places

Gratuity is basically a benefit or a form of tip given by an employer to his employees who are giving their services for the same company for a continuous period. The rules and eligibility of gratuity vary from place to place.

Let’s understand how the gratuity amount and eligibility in India differs from that of UAE:

Differences in gratuity may occur on the basis of years of service, the basic salary of the employee, Act passed on behalf of gratuity, etc. 

Different terms are also found for different gratuity schemes.

Now let’s look forward to understanding this difference deeply and properly:

Gratuity in India Gratuity in UAE
Gratuity: Here, gratuity is the sum of the amount paid by an employer to his employee who worked with him for a continuous period of minimum 5 years. Gratuity: Whereas in UAE too gratuity is the sum of the amount paid by an employer to an employee who works with his company for continuous 1 or more years.
Process: This can be given by an employer or even the employee can contribute to his own gratuity. Process: Here only the employer is responsible for gratuity, and if the employer owes some amount to the employee then he may also deduct that amount from his gratuity amount.
Eligibility: The employee who works for a continuous period of 5 or more years with a single employer or in his any establishment then he is entitled with gratuity. Eligibility: The employee who is working with a single employer for even 1 or more years then he is entitled to gratuity.
Calculation: Gratuity in India is calculated by the formula -> N * B * 15 / 26 

Where N is the number of years the employee is working in that same company, B is the latest basic salary drawn by the employee.

Calculation: In UAE the calculation of the gratuity is done by taking the years of service into consideration.

For the service of 1 to 5 years; the gratuity is calculated as the 21 days’ basic salary and after completion of 5 years the gratuity the sum amount of 30 days’ basic salary.

Tax exemption: Gratuity offered to government employees is exempted from income tax.

All individuals coming under Act of Gratuity Payment are exempted from taxes.

Tax exemption: All gratuity amounts are exempted from tax. No tax is imposed on this amount. This is a form of tip or gift which can’t be taxed.
For calculating Gratuity, we can use the preferred formula. It will be the same in every situation. Gratuity calculations will differ from person to person based on his or situation. For example, if a person has been let go or he has willing left will change the gratuity amount.

Make your gratuity in UAE calculation easy, accurate and quick by using the UAE gratuity calculator. With the UAE gratuity calculator, you can now do the gratuity calculations instantly.

NOTE: Gratuity amount is not offered to any of the employees who are terminated or fired due to any misbehavior or due to any serious case.


Coin Master free spin link

Coin Master free spin link

Coin master

Coin master is a free, single-player, casual mobile game created by Moon Active. It released in 2016 and earned its reputation as one of the most interactive games on the market. It has had over 81 millions of downloads (as of October 2019). Coin master is the top-grossing mobile game in the UK (since February 2019) and Germany (since June 2019).




  • The objective of coin master is to earn coins to upgrade items in order to build up villages.
  • A fortune is acquired by spinning and winning, attacking another player’s village or raiding another player’s fortune. (To win few more spins and fortune coin master free spins link is being given here.)
  • Players advance to next village once theirs is built, and they continuously get more challenging as the player progresses.
  • Players continue to spin, win and build through over 200 uniquely themed village adventures, such as LA dreams, Buddhist village, Hell’s village, etc.


  • As of October 2019, Coin’s master has grossed over $508 million in gross revenue. 85% of Coin’s master’s net revenue comes from the U.S, the UK and Germany combined – over $260 from the United States, a dramatic jump in the UK (since February 2019) resulting in $ 80 million, and Germany close behind with $ 52 million.
  • Coin master surpassed Candy Crush Saga as top-grossing game and claimed first place on both the App Store and Google Play Store in Great Britain and Ireland.


  • The commercial version of this app is criticized for targeting children and adolescents leading them in an aggressive way to gambling due to it bypasses federal German Law.
  • Coin master is developed and run by Moon Active Ltd.
  • According to the website OMR, Moon Active earned 280 million US Dollar until October 2019.
  • Coin master is listed as an “adventure game” in app stores but uses game mechanics that are borrowed from the slot machines and can be potentially addictive.
  • In order to build their own game village or attack the villages of other players, the user must play on a slot machine that is strongly reminiscent of one arm bandits.
  • The number of attempts is limited to five per hour, but additional attempts and items can be purchased in loot boxes.
  • Coin master is developed and run by an Israel based company called Moon Active.
  • The company has investors from the gambling industries, such as the former CEO of the Gibraltar based online casino company 888 holdings, Gigi Levy – weiss.
  • In his late-night show in German public TV, Jan Bohmermann described in 2019 how coin master is marketed to children and adolescents despite corresponding denials, among other things through the child – friendly look of the game and the advertising about popular influencers like Bianca Heinicke (“ Bibis Beauty Palace “) or Pietro Lombardi.
  • “Coin master’s ” level 252 has a gambling hall theme.
  • You can earn spins from the coin master free spins link mentioned in this article.



What I Found Best Using Dewalt Air Compressor And Tools

As a contractor, I have many projects that need to be done on a very fast face and without facing any mind of delay. With so many projects to pull off at once a starting team and a strong set of tools and machinery is what I need on a daily basis. A lot of tasks require the use of air guns, drilling, and other brushing and many more big stuff for a continuous long period of time and for that I need a high powered heavy-duty air compressor to run for significantly longer time periods without facing any kind of issues.

Before making a purchase I went through a lot of online reviews of many air compressors and searched for a lot of brands online to compare and see which air compressor brand will suit my purpose and which is most importantly cost-effective as per the usage of the device. Previously I was using Bostitch Air compressor and it worked really well for me from a very long time period but now I have to buy some new air compressor for different locations and buying Bostitch for every location can impact my budget and it will indirectly hamper my earnings. 

I heard a lot about Dewalt and many of my fellow contractors also deployed Dewalt air tools and air compressors, drills, and other tools at their site. Moreover, when I went out, I saw nothing but yellow and black colored devices everywhere. I knew that Dewalt is good and tough when it comes to performance but I never really took an interest in buying one either for me. I got a chance to buy another compressor after so long and I finally decided to go for DeWalt this time and see what this company has to offer.

I went online searching for some reviews and ratings of Dealt devices but I was not able to see what can suit best for my purpose and suddenly I came across a website where I found the perfect Dewalt Air Compressor Review and after reading it out fully and comparing the price and productivity with other brands I purchased 3 Dewalt 60 gallon air compressor for all construction sites.

After deploying it at work and using it personally for some time period I literally felt that this device is a beast and it can surely pull off many hours without facing any fault. 2 of my air compressor worked really well and worked efficiently but the third one came with some issue of air leakage from the valve. Being a regular user of air compressor I knew that this is a very common issue and this can be repaired within some time. Air leakage issues can be there even if you buy bigger brands than Dewalt but the thing that really surprised me was how fast is the service of this brand. I called them up in the morning to fix this issue and they showed up within the next 3 hours and repaired the faulty part with a new one.

After having a very fine and good experience with this brand I will also recommend all of you to go for this brand if you want something that has power, durability, performance and which is cost-effective at the same time.


Tax in Germany

Tax is the compulsory financial charge imposed on taxpayers or on eligible people to pay by the government in order to meet the public expenditures. Not paying taxes even though being eligible is a punishable act according to laws. Taxes may be direct or indirect. The tax was first-ever collected in Ancient Egypt around 3000 – 2800 BC. 

Purpose and Effects of Tax

  • The imposition of taxes is to ensure revenue to fund governing or to alter the prices of the commodity to affect the demand.
  • Many functions are carried out by states by the taxation amount received from people.
  • Some of the functions completed by the government include; Construction of roads, sanitation, public transportation, public safety, legal systems, and health care systems.
  • Scientific researches, military, culture and the arts, data collection and dissemination, public works, operations of government itself, public insurance, etc are also done by the government with revenue.

Types of Taxes

The OECD (Organization for Economic Co-operation and Development) published an analysis of the taxes of member countries. Taxes are imposed on almost everything and thus are classified in different categories:


  • Income Tax


Income tax works on Pay as you Earn criteria. In this, the amount to be paid as tax is determined by the amount the taxpayer is earning. It is basically some percent of their annual income. 

For a businessman, it is determined by the net profit or net gain during the tax year. It is also some percent of their earning.


  • Capital gains


Generally, capital gains are a gain on sale of capital assets; assets that are not held for sale in the ordinary course of business. The taxes on capital gains may be on partial or preferential rates. 


  • Corporate


Income tax, capital tax, net – worth tax, or other taxes that impose on corporations are together called as corporate. The rates o tax on corporate may vary from individual taxes or other taxable persons. 


  • Payroll or workforce


Unemployment and similar taxes are often imposed on employers based on total payroll. These taxes may be imposed in both the country and sub country levels.

Goods and Services

Goods and services tax is also known as Value added Tax (VAT). It is usually administrated by requiring the company to complete the Value added tax (VAT). The accountability and auditability are improved by introducing Automated Value Added Tax in many Tax authorities by utilizing computer systems. 

Tax Criteria in Germany

Income tax in Germany is considered progressive. The rates of Income tax in Germany start at 14% and rises incrementally up to 42%. But the rates of tax on very high income are 45%. A maximum tax of 42 % is applicable to the income worth 55, 961 German currency, and for income above 265, 327 a tax of 45 % is applied.

To calculate tax on different incomes in Germany, check this tax calculator for Germany and do it on your ease. This calculator for Germany accounts for rates and income on its own and does not bother the user at any stage.