It stands for Virtual private network. Generally defined as a private network that uses data encryption and high-level security measures to transfer data privately and safely through a wide area of network i.e.: The Internet. Such types of network are generally preferred by organizations having businesses with several offices in different locations. They have become hugely popular with different organizations as a means of securing and transferring data securely from one end to the other. VPN’S uses a series of combinations of committed connections and encrypted protocols to get virtual P2P connections. VPN’S allows the user to parody the original physical location- the users real IP address is replaced by the VPN provider giving them space to bypass the content filters.


  1. IP SECURITY: IPsec it is commonly used to secure the internet communications and it has the ability to perform in two different modes. The security level can be increased according to our need through differ combinations.
  2. Layer 2 Tunneling Protocol (L2TP): Here the IP and the L2TP combine together with their best security level to provide the best layer of security to the Data transfer.
  3. Secure Sockets Layer (SSL) and Transport Layer Security (TLS): This type of security layers are generally used for the online retailers or the service providers. They work on a Handshake method. An HTTP-based SSL connection is used by the client using certain URL. This generally helps in encryption keys, authenticate the session, and create the secure connection.
  4. Point-to-Point Tunneling Protocol (PPTP): Such protocols have been in use from the early 1990’s and support a huge variety of operating system. The level of security provided by PPTP has been increased by certain protocols; however, the codes remain the same.
  5. Secure Shell (SSH): It creates a VPN tunnel and encryption to protect it. It generally grants the user the permission to transfer Data by Routing the load from remote file servers from encrypted servers. All data flows through specified ports across the ends of the tunnel.


On a general note VPN generally acts as a bridge between the client software and network access server (NAS). It allows and individual user to get secure connections with the remote computer network.

There are mainly two components required for the remote-access VPN’S:

  1. Network access server (NAS): Also, known as the media gateway. It is a dedicated server that connects the user to internet world to access the VPN. The NSA needs the user to provide original credentials to get access to the VPN. To verify the credentials the NSA generally used the authentication process or a different server is used for this purpose running on the same network.
  2. Remote-access VPNs is client software: This is the one and only software which is required for VPN servers to work. The client software makes up the tunneled connection to a NAS, which the user shows by its IP.

SO, VPN networks are the fastest and-and most secure way of transferring Data from one end to another end without having the fear of Data theft.


How can I reduce Income Tax?  


Passed by the Parliament of India, a citizen of the country who earns an income is supposed to pay a certain amount of tax. This is popularly known as Income Tax. Nonetheless, not everyone pays the same amount of tax. Divided by categories, people belonging to different social, financial strata pay a different amount of tax, senior citizens pay a separate amount of tax and those regardless of the age, earning less than INR 2, 50,000 have to pay no tax at all!

Categorized or uncategorized, almost all taxpayers are stressed and perturbed when it comes to paying the tax. It is a burden which may be shared amongst the members of a family or even in a small business. To curb this issue committing tax fraud will not be a sought after option.

 Thus ways to Legally Reduce Income Tax is given below:

Smart Payment of Fees –

Being aware of timing, planning ahead will decrease the amount of tax paid. With the non- Individual Retirement Account being tax deductible, a wise decision would be paying all fees through that account, although an Individual Retirement account is present.

Structuring the Salary –

Expenses such as uniform, conveyance, medical insurance, phone bills, newspaper and office entertainment are supplementary with the current job. Rather than discontinuing the job, chatting with the employer about quitting these expenses will save the taxes.

Travel Allowances –

An employer is responsible for granting its employee a travel allowance but only on the production of actual bills. It can be claimed for an economy class of Air Travel or AC-I of Train travel. For the shortest route of travel within India can be paid for.

Deduction on Medical Insurance –

Above the 1.5 lakh limit, the tax can be saved for a family through Health insurance premium. Even visiting the doctor for health checkups up to rs 5,000 can economise taxes. For senior citizens, this service can be extended up to Rs 30,000.

Investments –

Under the section 80C, in order to gain tax rebate, there are multiple investment schemes. Deposition in Employee Provident Fund, Investing in Equity Linked Saving Scheme, with the highest return amongst all saving schemes- investment into Sukanya Samriddhi Account is the best option for a girl child. Even opening a Tax Saving Fixed Deposit account, enrolling into National Saving Certificate scheme or Senior Citizen Saving Scheme can save tax to some extent.

Retirement Plan –

To reap maximum benefits from retirement savings, one needs to plan his retirement out. Making contributions to Roth Individual Retirement Account will benefit at retirement when one has to pay no tax on withdrawal of this money. Or even contributing to Employees Provident Fund through one’s entire work life, will reap profits during retirement!

After putting in all that effort, nobody will like to give in the hard-earned money to the government, and Taxes are unavoidable. Without the help of a professional, just with a tad bit of wise planning, time and patience one can successfully reduce the amount of tax to be paid! So, let that money keep doing its work!

How to use Game Killer

Game Killer APK or Game Killer is one of the easiest tools to modify android games. It modifies all the coins and gems of all the android games by the usage of the memory modifying technique. Game Killer is one of the most downloaded apps, which is not available on Google Play Store. It has been downloaded by around 10 million users worldwide. It is a very powerful and a user-friendly tool. Almost all the games are supported by it and it is compatible with almost all the latest android versions, like Lollipop and Marshmallow.

As most of you are confused as to how to use Game Killer, here are the steps that will guide you through the process:

  • First download the Game Killer app.
  • Then install it on your phone.
  • Now you have to allow access to the root to the Game Killer. Allow it full root access.
  • Minimize the application to continue further.
  • A game killer icon will appear on the screen.
  • Tap on the icon and select all the games you want to use with it.
  • Once you have opened the game, it is advisable to revise the number of coins and gems in the game.
  • Remember that you have to click the icon on the game killer tab and then any random number has to be typed to get instant coins, gems or points.
  • You may get what you expected at first and then you will continue to entering different values.
  • Now that you have the results, keep on changing the values.

Some of the games supported by Game Killer are:

  • Subway Surfers
  • Clash of clans
  • Asphalt 8
  • Temple Run
  • Hill Climb
  • Candy crush saga
  • Teen Patti
  • Ball pool and so many more

Features of the Game Killer app:

  • It works only on rooted Android devices.
  • Only android phones are supported by Game Killer.
  • It is free of cost.
  • The app functions smoothly when the game is played in the offline mode.
  • The game worth can be searched with the exact number.
  • The exact value of the numbers from the app is searched.

These are only some of the features out of a plenty of features.

The Game Killer provides a wider access to all the games and also enables access to all the points, gems, money and coins in the game.

The app keeps on getting an update every now and then, which is a very good thing and the satisfaction of the users is met. The best part is that the app is absolutely free of cost.

I hope all the problems you were facing regarding the Game Killer app have been solved. AT the end of the day, it is always fun to get a little something extra, be it even coins in the games.  So, here is what you need to increase the fun while playing, because accept it, who doesn’t have an android phone today and moreover their hands busy on the phone engaged in a game.

Happy Gaming! Also, Happy Game Killing!

Effective SEO tips and tricks

Success with SEO are achieved by putting into action two very important things:

  • Identification of SEO techniques that get great results.
  • All the resources are put into scaling and executing the techniques.

But again, the question. How to get hold of strategies that really work?

Search Engine Optimization (SEO) is a very trending topic on the internet today. And why not, who doesn’t want to get high rankings and get more traffic? Significant increase in the traffic can be achieved, once you are able to identify and meet the necessities of the target audience. It is very easy to get carried away by SEO, but the sensible thing to do is keep it simple and put in a little common sense.

The following are some simple SEO techniques, if put to use properly, can bring about drastic changes in the rankings:

  • Anchor Text: Proper anchor text for interlinks should be used. Avoid using words like “here” and “there” for anchor text.
  • Images: The images should always be optimized. Always remember to create alt tags and also add a description to the alt tag.
  • Permalinks: Search engine friendly permalinks are always preferred. Too many characters in the URL like ‘&’, ‘?’, ‘!’ should be avoided. Sometimes it becomes difficult to avoid these characters but it is always advisable to keep them to a minimum.
  • Hyphens: Usage of hyphens between words improves readability.
  • Underscores: Usage of hyphens instead of underscores is preferred.
  • Good hosting: Session Ids in the URL’s should be avoided. You don’t have to worry about this part if you are using good hosting.
  • Cases: Say no to capital letters in the URL’s. The windows servers are case sensitive and it is advisable to use lowercase letters as much as possible.
  • Internal linking: Whenever appropriately possible, internal links should be used.
  • Sticky posts: Sticky posts, if applicable are always motivated.
  • Description Paragraph: Another important point includes the usage of category description paragraph.
  • RSS Feed: Category -specific RSS plugin for WordPress should be used. Give the visitors the option to category specific RSS Feed.

The basic idea is also to research the target audience and also to keep in mind the site content.

Another important thing to keep in mind is to keep all the content updated. Nobody likes stale content. That is the most unattractive thing ever and will only result in the downfall of the rankings.

By the end of this, I’m sure you have well understood the fact that though SEO is no Hercules task. Just by following some simple tips, proper strategies and putting into use all the resources, rankings will be at your doorstep.

Ultimately, at the end, all you can do is give your best and wait for the results. So here comes another very important tip, Patience. Keep patience for the fruit of your job. Hassle will lead you nowhere. Another important thing, rankings once achieved are to be maintained. So all the tips, tricks, strategies and hard work are to put into work always.

I hope this article could help. All the best! Wish you all the success!

How to prepare for MBA exam?

An Electrical, Electronics and Communication engineer from SGSITS, Indore, Saras Suhane acquired the first rank scoring a whopping 100 percentile in CMAT 2017, he is presently working for Infosys in Pune.

Saras clearly said, “Confidence and committing oneself to hard work, by giving equal importance to each section is the cue to achieve such a rank.” Chatting about his success, he disclosed his preparation strategy, without a pre-decided blueprint, his order was Quantitative Techniques, Logic reasoning and General Awareness followed by Language comprehension. From enjoying the process to giving importance to each and every section, not leaving any area, and being stress-free were some of the important tips and tricks recommended by Saras.


Common Management Admission Test

Widely known as CMAT is a national level Management and Business administration entrance exam conducted annually by All India Council for Technical Education (AICTE) for admission premier Business schools across the country approved by AICTE.


Exam Format

Like all large-scale exams, CMAT also evaluates multiple aspects of the applicant. It is a computer based test which comprising of 100 objective type questions.

In a total duration of 180 minutes, the candidate has to cover 3 sections:

  1. Quantitative Techniques and Data Interpretation – consists of 25 questions
  2. Logical reasoning – having 25 questions
  3. General Awareness – contains 25 questions
  4. Language Comprehension – having 25 questions


According to the present day marking scheme, every correct response is rewarded with +4 marks and every incorrect response with -1 mark.


After the release of the scores, business institutions release their cut-offs and selection procedures. However, every candidate has to undertake the process of a written ability test, followed by a group discussion and finally a personal interview.  Apart from these stages, prior work experience and academic performance are taken as an important criterion for selection.


Preparation for the exam:

If one is certain upon taking up MBA, he/she should get into a Bachelor’s course which involves a business subject.

Topper’s claim, self-study and following a structured routine in a disciplined manner are key to achieve the maximum score. One should start by taking a diagnostic test, to help identify areas of strengths and weaknesses. Join any good online test series, and attempt maximum mock tests. It helps one to understand the pattern of the question paper, and strengthens the weak areas.

Rigorous practice will enable one to identify to common questions and the type of questions. The candidate must not treat any question as unimportant.

To make it to the topmost Business schools, one should not study aimlessly, divide time strategically, and give importance to each section. Also, a person should not forget to time how much time is invested on each question.

NCERT Textbooks from classes V to X can brush up the basics of Maths, calculations quicken, improving time management and increase the score. To refine Data Interpretation, one should perceive the data carefully and work on approximations. For quantitative ability, concepts should be clear. As simple questions are majorly found in this section, only concentration and accuracy can boost the scores!


To conclude with, to gain a foothold in his/her dream job one should focus early!




Transfer of a PF account using UAN

The good old days of transferring EPF money, where the government fell before the money we earned, have gone. Things have actually taken a turn, towards a better path. Now you are able to check your EPF (Employee Provident Fund) balance anytime, receive monthly credits and also transfer funds from an old account to a new existing one. All this convenience is only possible due to one single number, the UAN (Universal account Number). One 12 digits unique number is capable of making life simpler, how amazing is that! This UAN is allotted to its members by the EPFO (Employee Provident Fund Organization).  This universal number is a major step in giving the EPF services an online platform and making the whole system a more user-friendly one.

Online transfer of PF:

  • Enter the EPFO website and make your UAN based login ID.
  • This will guide you to a UAN login page wherein you will have to enter details like UAN, mobile number and also some details of the employer.
  • Then you will have to make sure whether the account is eligible for an EPFO site. The state to which the employer belongs has to be mentioned there.
  • After filling on the details. Click on the option of ‘Check Eligibility’.
  • If the site is eligible, only then can your register on the EPFO site.
  • Then, a valid photo identity proof, like an Aadhar card or the Pan card, has to be submitted. You will also receive a pin on your mobile for verification purposes.
  • After receiving the confirmation message, you will be guided to the EPFO Member Claims Portal. The document ID and the phone number have to be provided to log in. All the options will be visible after signing in.
  • On the top tabs, will be a request for transfer of account. Click on it.
  • The PF transfer form can now be accessed and filled.
  • After properly filling the form, the information can be previewed to double check.
  • After making sure all the information is correct, the captcha is to be entered. Then click on “I agree”.
  • After the pin is entered, the initiation of claim transfer takes place.

Benefits of UAN:

  • Easier Fund Transfer
  • No need for the employee to be involved
  • Reception of monthly alerts
  • Better pension scheme utility

Gone are those days when an individual spent his entire lifetime working with one employer and even getting retired from the same. With the emergence of so many jobs in the private sector, job changes have become a very common practice.  With job changes, change of the job place is also very common. With the other issues involved with the changing of jobs, the transfer of EPF has become a much simpler process. It is a compulsory contribution.

Earlier transfer of accounts was a tedious process as it involved a lot of paperwork, hectic procedures and formalities. With the UAN, it has become a very simple, hassle free, portable online task.

All thanks to the UAN. Now we can sleep a little bit more peacefully at night, as the development of such schemes makes lives simpler!


Our India is a developing country. With the advancement of technology, our country is progressing each day. But still, there is a section of the society, where people are staying in rural areas that are unable to opt for the earlier insurance policies. They have been introduced to the concept of insurance policies which are operated by various banks and post offices a decade ago. But the high premium issues acted as a barrier for them to apply for those accidental insurance schemes. In order to combat this problem, a new insurance scheme was introduced by Prime Minister Sri Narendra Modiji on 9th May 2015.This new scheme came to be known as Pradhan Mantri Suraksha Bima Yojana (PMSBY).The enrolling period for this scheme began on 1st June 2015 and continued until 31st May 2016.

Highlights of the scheme:

1) This PMSBY scheme was introduced by the Government of India that provided a cover of 2lakhs for the family of the scheme holder in case of an accident.

2) The eligible persons who joined this scheme had to pay Rs12 per year.

3) Any person who 18 years or above (till 70) were eligible for this scheme.

4) This accidental insurance is renewable annually by the applicant.

5) Banks like SBI provided an auto debit mode for the deduction of Premium Amount from the bank account of the insurance holder.

6) The amount of Premium to be paid was only 12(INR).

7) The primary KYC for that scheme was Aadhar Card of the applicant.

8) There would be termination of the policy if the applicant attained an age above 70 years.

9) The policy may also be terminated if there was insufficient balance in the account which would provide the premium amount.

Benefits of the scheme:

The premium value was only Twelve rupees which would be affordable by the poor section of the society. Thus, this scheme when introduced, it helped them a lot. This scheme aimed to reach those people after the successful implementation of the Pradhan Mantri Jan Dhan Yojana.

Claiming process in the scheme:

The claiming process for the PMSBY scheme is similar to that claiming other insurance policies from either private or government banks. However, one should be ready with the required documents and they need to inform the bank regarding the accident. The claim should be submitted to the bank from which the PMSBY has been bought. Moreover, the claim has to be submitted within 30 days after the accident took place.After the verification is carried out, then the bank would provide the insurance amount to the nominee of the account holder.

The PMSBY insurance scheme proved to be a very powerful weapon to deal with accidental issues for a large number of people.As the Premium amount was very less, so there was a huge enrollment.It provided a recovery of 2lakhs(INR) for the deaths of the people due to accidents and 1 lakh(INR) for those who suffered from a loss of sight of the accident, or loss of hands or legs that caused disability.The participating banks like SBI also follow the same guidelines which are mentioned under the scheme.Thus, it has helped numerous people to look after the family of the deceased people along with the other accident victims.


Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

An Indian life insurance scheme, PMJJBY, first talked about in the February 2015 budget speech delivered by Arun Jaitley, the finance minister. Formally introduced in Kolkata on 9th may, by the prime minister, Narendra Modi, this scheme aims to increase the number of Indian citizens availing insurance.

Pradhan Mantri Jeevan Jyoti Bima Yojana can be availed by citizens aged between 18 to 50 years, bank accounts being a must. Excluding the service tax, the annual premium amounts to Rs. 330 and this amount automatically gets debited from the account of the nominee. In cases of death, the nominee is paid Rs. 2 lakh. The sum of Rs. 330 is the premium cash amount, out of which Rs. 289 is the annual insurance premium, chargeable to each member of Life Insurance Corporation of India. The amount of Rs.30 is paid by the subscribers as refunds to the various Corporate, BC, and Agents expenditures. Lastly, the sum of Rs.11 is to be paid for the various Administrative Reimbursement Expenses.

Eligibility criteria for the Bima Yojana:            

  • The person to be linked with this Bima Yojana should be aged between 18-50 years.
  • The subscriber must have a functioning bank account with any bank in India.
  • A written consent should be given stating that the amount can be debited automatically from the respective savings account and also that there should be the minimum balance at the time of the debit.
  • Those joining the scheme after its last date are to pay the complete premium and a fitness certificate.
  • The person should make a declaration that he/she is not suffering from any medical condition, when getting them registered to the Yojana.

How to apply for PMJJBY:

  • Interested people have to download the application form.
  • The printed version of the application form is to be filled.
  • The filled form has to then be submitted at the respective bank branch.
  • There should be enough balance in the bank account during the process.

Benefits of PMJJBY:

  • Enrolment: The commencement date of the insurance cover is the same as the date of the premium debit from the member’s account and the cover will last up to the 31st May of the next year. It can be renewed on the 1st June every year simply by debiting the premium amount to the account.
  • Death benefit: In unfortunate cases of death, the assured sum would be paid to the member within the cover period. In any case, it cannot exceed Rs. 2 lakhs.
  • Tax benefits: These benefits are as per the income tax laws of India, and are also subject to change frequently.

During any such policy, one should always be aware of the various risk factors and also all the terms and conditions. Therefore complete knowledge about the subject is very important. Only then will the right step be taken and therefore be a part of the global change brought about by an initiative by our prime minister.

For more government yojanas, visit http://govyojana.in/

Advanced Link Building Tips for 2017

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