Use this Free Sounds Effects without worrying about Licence issues!

Using sounds found over internet can be illegal to use in your projects. Here is one of the best source where you can use the clips free to use without worrying about copyright or licence issues. All the sounds are crystal clear which doesn't really need any sort of editing to them. Here is the link: https://www.freesoundeffects.com/free-sounds/scary-and-horror-10085.

Audio files are available in both MP3 and WAV formats. You could download instantly without any sort of signup or register. There is a play button left to if where you can listen to the preview. Categories have been mention on the left side of the website, click on your choice and scroll through the page, even you could navigate between various result pages.

The best sounds I've felt on this site is, the Scary/Horror, Vehicles, Knocking the door, Ocean waves, Fire crackers, Fire engine, Foot steps, Car door, Old telephone ringing, etc. All are not for free, some sounds are paid on this site, there is a section by name "Pro Sound Effects", which are paid. If you really feel they would help you then go and buy otherwise keep trying for free content over the internet.  

How Google Pay is better than other Wallets!

Google Pay is a digital wallet and online payment system developed by Google. It is primarily used to transfer money between users via UPI. Users need to download, install, register themselves on Google Pay. For UPI transactions, you need to link this Google Pay account with one of your saving bank account, the mobile number linked to bank account and Google Pay registered number should be one in the same. You could set password to open the app and a separate password for all the UPI transactions.

After registration, users can transfer money, send messages to their contacts. You could also earn 51/- on successful referral and it will be 151/- in your wallet if your referral does UPI transaction, they appear in the bottom with name "INVITE A FRIEND". Apart from this you would scratch cards, upon swiping them you get cash back which will be directly credited in to your bank account. Find this in the Rewards of the Promotions section, this section also shows you with the current offers.

Google Pay app shows list of people with whom you've already had successful transactions. You can even link your mobile for making recharges with this app. You can check your bank account balance anytime by clicking on the CHECK BALANCE option. If you wan to check the list of transactions any point of time then click on the "TEZ MODE TRANSACTION", which lists you with all the credits and debits from the begging of time.

On the other hand it is quite dangerous because it can he hacked by anyone in and around as. The app password(4 digit) and the UPI PIN(6 digit) both are numeric and are easy for someone to trace. One must be very careful because all the money from bank account can be stolen in a less than a minute. 

How to use "in on at" while framing sentences

Let's learn how to use prepositions in, on, and at.

At: At shows us the location of a person or thing.

1. Am at home
2. Am at work
3. Am at theater

In: In shows us something inside.

1. There are two pens in the draw.
2. I read an interesting article in the newspaper.
3. I like action scenes in movies.

On: A thing is top on something.

1. There is dust on the floor.
2. Mick-Mouse is my best cartoons on TV.
3. I like listening to talk shows on radio. 

PhonePe support answer on ekyc enable/disable

I've contacted PhonePe care and I got this reply from them.

Thank you for contacting PhonePe!

We understand your concern.

With Regarding your recent query, Ticket No:********, we would like to inform you that on checking your PhonePe account details we see that you have completed your Basic KYC through  PAN_CARD and wallet balance withdrawal are not allowed in Basic KYC.

However, please note that E-KYC (Aadhar card) is disabled temporarily and you will not be able to complete the E-KYC as well, but you can utilize the wallet balance for making P2M transactions (Recharge, BillPay, online/offline Shopping across PhonePe).

We are looking for a permanent solution and the same will be updated soon.

We appreciate your understanding on this.

Please feel free to contact us if you need any clarification.

Puma Turkish Sea Casual Backpack Review

This I purchased for 439/- INR and for shipping the site has charged another 100/-INR, so total amount costed me was 539/-INR. I've received the product on next day I ordered and packing was excellent. As soon as I opened and held the backpack in my hand I was little disappointed as the size was a bit smaller than I expected. But the packing, the logo, color, look and feel, the product finishing, and the fresh smell made me happy.
This Puma backpack is ideal for carrying laptop or can be used while travelling. This is the first backpack I've ordered online, earlier I used Lenovo backpack which I got it along with my Lenovo laptop. A couple of days ago near Secunderabad railway station I purchased a backpack which is a duplicate version of the PUMA, anyways the cost of it was only 130/-INR. There is a wide difference between genuine one and the duplicate. For using rough and tough the duplicate one can be used without any second opinion.

This is what you need to know about a Personal Loan!

Personal loans are Unsecured loans which does not require collateral. CIBIL score or Credit score will play key role to get a Personal loan or even a Credit card. TransUnion CIBIL Limited maintains credit files of Individuals and companies.

There are two important terminologies that hits our head when we think of a personal loan. They are
1) Interest rate
2) CIBIL score

Borrowers look out for financial institutions who offer least interest rates whereas lenders disburse loans based on CIBIL score. Low CIBIL score can result in rejections, multiple rejections will further drag down credit score.

Application -> Rejection -> Score down -> Application: This is a dangerous cycle where lenders assume higher risk with this kind of profiles. For a healthy CIBIL score ensure repayment on or before due date which also helps you to avoid late charges. 

Is your company 5 years old?
In case if you're working in a start up/recently established company then the chances of getting a loan is very low. Financial institutions have set some standards before they offer you Personal loans. They are

• Company you're working in should be 5 years old.
• Are you at least 1 year old in current company.
• Type of residence(Owned, Owned by Parents/Siblings, Rented).
• Your CIBIL score.
• Your re-payment plays vital role. 

Financial Institutions can be two types:
1) Banks: HDFC, ICICI, IDBI, AXIS, Kotat, SBI etc.
2) Non-banking financial company(NBFC): Muthoot Finance, Bajaj Finserv, Mannapuram Finance etc.

Usually the interest rate vary from 10.99% to 24% per annum. 

Improvements in out paramenters in C#7.0

There is a slight improvement in calling a method using out parameter in C# 7.0. Instead of declaring variables separately outside we can declare them while calling method itself.

In the two examples below which is colored, you could find the way of using out parameters. 
  class Sample
    {
        public void Cals(int val1, int val2, out int val3, out int val4)
        {
            val3 = val1 + val2;
            val4 = val1 * val2;
        }
        static void Main()
        {
            int m = 100, n = 50;
            Sample S = new Sample();
            int x, y;
            S.Cals(m, n, out x, out y);
            Console.WriteLine("x = "+x + "and y = " + y);
            Console.Read();
        }
    }
  Output:
  x = 150 and y = 5000

    class Sample
    {
        public void Cals(int val1, int val2, out int val3, out int val4)
        {
            val3 = val1 + val2;
            val4 = val1 * val2;
        }
        static void Main()
        {
            int m = 100, n = 50;
            Sample S = new Sample();
            S.Cals(m, n, out int x, out int y);
            Console.WriteLine(x + " " + y);
            Console.Read();
        }
    }
  Output:
  x = 150 and y = 5000