Ramya Dwivedi

Costa Rica officially the Republic of Costa Rica (Spanish: República de Costa Rica), is a 5 million in a land area of 51,060 square kilometers (19,714 square miles). It is known for its long-standing and stable democracy, and for its highly"Capital and largest city: San José; 9°56′N 84..."Government: Unitary presidential constitutional"Recognized regional languages: Mekatelyu; B..."Official languages: Spanish

9 common reasons why people cheat · Communication can be a trigger. · People can cheat out of malice. · Loneliness can be destructive. · Some

5 steps"1."When your dog is winking, it indicates a very happy, playful dog."2."When your dog’s ears are forward, it means the dog is paying close attention to something, or is curious."3."When your dog is relaxed, it will have its tail down, is standing without tension or lying down, with its eyes and ears pointed towards the center of its

4) Go Abroad and Work as a Dentist: US, UK, Canada Etc A nice, difficult, and costly

8 steps"1."Step 1 – Go to www.gst.gov.in"2."Step 2 – Go to Services – Registration. Click on ‘New Registration’"3."Step 3 – This will take you to the ‘New Registration’ page

2 | LATHER UP! Next, apply The Art of Shaving Shaving Cream, formulated with glycerin for a close and comfortable shave. Use our Badger Shaving Brush to

Loss of Appetite in Seniors · Lack of energy to cook · Medication side effects can affect taste buds · Lack of interest in eating alone · Health conditions, illnesses, or

By LEH Bingle · 2003 · Cited by 23 — The RK2 (IncP‐1 family) plasmid genome provides a good example of a complex Another key property should be the ability to transfer efficiently were digested with BamHI and ligated into the unique BamHI site of the xylE

This page sets out the clear requirements for course accreditation with the Society. As holders of a Register accredited by the Professional Standards Authority,

A part of your total credit limit is given to you as a cash limit. This is the amount you can directly withdraw from the ATM using your credit card. Cash withdrawal or cash advance is quite a costly transaction as it entails fees as high as 2.5% of the amount withdrawn. Moreover, what many of you do not know is that interest is charged on cash advances right from the day of making the transaction; the interest-free period does not apply for credit card cash withdrawals.

The table given below shows cash advance fee on some popular credit cards-

Suggested Read: Reasons Why You Should Avoid Credit Card Cash Advance

Depending on your credit card type, you may or may not be allowed to spend over the limit assigned to you. Banks do not allow this for free- they charge a hefty amount as the over-limit fee for such transactions. For most of the banks, a minimum of Rs. 500 is charged but it also depends on the amount by which you have crossed your credit limit.

If you are not able to pay the entire outstanding amount on your credit card, banks give you the option of paying a minimum amount. In case you cannot afford to pay even the minimum amount, the bank will levy a late payment fee. A flat amount is charged on the basis of your statement balance. For example, let us look at the late payment fee applicable on HDFC Bank Credit Cards–

The Annual Percentage Rate (APR) charged on your credit card also affects your bills, especially when you are carrying an overdue amount. This is the reason why maintaining credit cards can be difficult because the credit card interest rates are the highest compared to other types of loans. But this is only applicable when you do not pay the total outstanding amount. For example, if the total amount payable for the month is Rs. 15,000 and you choose to pay only Rs. 5,000, the balance amount (i.e. Rs.10,000) would attract interest generally ranging from 33-42% annually.

All credit card transactions will be taxed as per the prevailing rates in the country so you should also consider the same. GST is levied on the annual fee, interest payments and processing fees on EMIs (currently at the rate of 18%).

Although credit card issuers promote that their cards are globally accepted but they never reveal that there will be extra fees for foreign transactions which is known as foreign currency mark-up fee. The fee may differ from one card to another and is usually charged as a percentage of the transaction amount. Let us understand this with the help of an example.

Suppose you spend US $30 on a certain item through your credit card. This amount will be converted by the bank into INR as per the exchange rate of the day and will then be charged with mark-up fee on the amount. Now, let’s assume the exchange is US $1 = Rs. 60, then the transaction amount will be Rs. 1,800. If a mark-up fee of 2% is charged on it, it will be Rs. 36 plus 18% GST which equals to Rs. 6.48. So, the total value of the transaction will be Rs. 1,842.48.

• The Elder Scrolls 3: Morrowind.
• Fallout: New Vegas.
• Mass Effect 2.
• The Witcher 3.
• Final Fantasy 6.
• Diablo 2.
• World of Warcraft.
• Chrono Trigger. Maybe this is an oddly appropriate statement for a game about time travel, but I'm fairly certain that Chrono Trigger will forever remain a timeless masterpiece.