Manage your Debts by Refinancing your Current Home Loan

Are Your Debts Getting Out of Control and Are You Thinking of Refinancing?

If you have answered yes, you should consider the possibility of refinancing your current home loan and combining your multiple debts (e.g. credit cards and other personal loans) into one home loan.

Do You Want to Get Back in Control of Your Debts?

If your debts are getting out of control, and you are thinking of refinancing your current home loan, consolidating your debts and reducing your repayments, let a reputed brokerage firm arrange your refinance. You will find yourself being able to better manage your personal and household budget.

How does the process of Refinancing My Home Loan to Consolidate My Debts work?

The process of refinancing your current home loan to consolidate your multiple debts is a very easy process. You simply consider applying for a new loan on your current property and you use this new loan to pay out:

>> Your current home loan, and

>> Any other debt you may have (e.g. higher interest credit cards or personal loans)

How Can I Benefit by Refinancing My Current Home Loan and Consolidating My Debts?

You too can benefit in the same way that many Australians are already benefiting by refinancing your current home loan. This will enable you to:

>> Lower your monthly repayments

>> Make only one repayment

>> Lower your interest rate

>> Reduce the amount of time it takes to pay off your home loan

>> Get yourself back in control of your debts much sooner than you anticipated

>> You will not have to experience the stress and pain of overdrawn or over the limit credit card balances

>> Reduce your debts (including eliminating high interest credit card debt and personal loans)

>> You will not have to pay the higher credit card interest rates anymore

Who can enjoy the Benefits of Refinancing?

Refinancing may benefit you even if you fit into one or more of the following categories:

>> Short-term employed or not employed long enough

>> Irregular income

>> Self-employed

>> Government Allowance including New Start

>> Previously bankrupt

>> Declined by another lender

>> Pensioner

>> Adverse credit history

>> Existing loan arrears or defaults

>> Limited savings history

What Should I Consider When I Am Applying for a Refinance Home Loan?

Make sure, the refinancing and debt consolidation process is beneficial to you. I suggest you to consider the following outcomes at the time of applying for a refinance home loan and confirm in your own mind, if the outcomes are to your benefit:

>> You are kept fully informed

>> Your repayments will be reduced – not increased

>> There are no hidden fees or costs

>> You have achieved control over all your debts

>> There is a real long term benefit to you

So, don’t spend your money in making high monthly repayments. Take full control of your debts and contact a reputed brokerage firm. It will provide you with expert advice on refinancing your current home loan to consolidate your debts.

Singh Finance is a expert finance broker. It has a team of professionally qualified finance experts who will help you in refinancing your existing home loan. Get ready to consolidate your debts and make your repayments affordable. Contact Singh Finance today.

Best Practices to Follow for Web Test Automation

Web applications are different from mobile applications and other software. A web app is like a website but behaves like an app. These apps are designed to run on web browsers and are light and function at a much higher speed and consistency when compared to the standard website. With the changing face of software testing – where there is the need for faster testing – calls for the implementation of automation. While there are quite a few good web test automation tools designed for the purpose – like QARA Enterprise, Katalon Studio and Watir – a good tool alone is not enough to get the best results out of the automated process of testing.

To ensure that the web test automation process yields the best results, it is recommended that QA teams follow the best practices. The best practices cover everything from testing for compatibility across different browsers, performance of applications, user experience, data security, and more. The best practices are designed to help QA teams get reliable and accurate results every time.

1] Giving Priority to Cross Browser Compatibility

Today people access websites and web applications from not one but an array of web browsers and their versions. To ensure that this does not come in the way of providing a superior user experience to every user, it is very important to ensure that the web application runs without any bugs or glitches on every web browser, as well as their multiple versions. Also, responsiveness across browsers is another issue that QA teams must take care of when conducting web test automation. A tool like QARA Enterprise that supports testing across multiple browsers can be used to get started with web application testing.

2] Understanding the Importance for Load Testing

While testing across multiple browsers and platforms is one thing that is very important, one should not also forget the importance of ensuring that the web application gives the best performance even under heavy loads. This calls for load testing which ensures there are no faults in the application code that results in its crashing under heavy loads. Load testing ensures that there are no glitches in the app that will lead to it crashing unexpectedly under very heavy loads.

3] Conducting Usability Testing with the Right Set of Parameters

Once the performance of the application is tested for under different browsers as well as different conditions of load, next comes usability testing, which is all about testing the application from the end users’ perspective. Usability testing is very important to ensure users like to spend more time on the app and perform various actions. There are quite a few different parameters defined for usability testing, such as the UI, intuitive design, navigation, font size and font type and so on, and ideally web test automation should focus on it.

4] Giving High Priority to Security Testing

Security testing is the most important aspect when testing any app and web test automation should focus on testing the app for vulnerabilities that can be exploited for data breaches and unauthorized access to sensitive information. Since data breaches can cause huge losses to organizations and the repercussions can be truly scary, the best thing is to focus on thorough security testing, so that no flaws in the web app go unnoticed before the app reaches the users.

That was about the key best practices to take note of when performing web test automation. Taking care of these points can go a long way in ensuring that the web app undergoes a thorough testing process and is ready to be launched to the users, who then use the app and like its smooth performance.

Elements of Disaster Recover Plans

As enterprises rely more on advanced technology as well as electronic data for prominent day-to-day operations, the significant amount of data that can be lost with disasters appears to be abundantly increasing. Ventures are approximated to lose high revenue and may incur increased expenses due to disasters every year. It further leads to unpreparedness, degraded business performance, and loss of productivity. Thus, it becomes highly essential to prevent disaster occurrence to the possible extent and additionally be prepared with foremost recovery plans. Take measures for dealing with the after-effects of disaster through considering IT disaster recovery planning.

The best way to deal with disaster is by creating and implementing DRP or disaster recovery plan. The DRP must be capable enough to tackle every type of disaster regardless of the extent of the damage. Therefore, it is highly essential to keep disaster recovery plans easy to follow, highly understandable and flexible to cope with varying needs. Let’s go through the general elements that must be present in DRP for effective recovery:

Create a Disaster Recovery Team:

The responsibility of the recovery team is to develop, implement and maintain the DRP. A disaster recovery plan must identify the team members and depict the distinct responsibilities of each member. Additionally, it should contain the details of the person to be contacted in the event of a disaster. All the teammates must be informed about the disaster and responsibilities as soon as possible for dealing with the situation in minimal time.

Identify & Assess Disaster Risks:

The dedicated disaster recovery team must be able to identify and assess the associated risks of the organization. This phase comprises natural disasters, certain man-made emergencies, and related incidents. The disaster recovery plan will assist the members of the team in the identification of the recovery strategies in addition to resources. The DRP should be predetermined and must be able to offer a reliable solution in an acceptable timeframe.

Determine the Required Applications, Documents & Resources:

Initially, the enterprise has to carry forward an evaluation process to figure out the critical business operations. The DR plan should highly focus on short-term survivability, including cash flows as well as revenues. Short-term plans are more effective than long-term plans as they help restore the venture’s full functioning power. However, the enterprise must recognize the procedures that should never be delayed, such as payroll processing.

Backup and Off-site Storage Process:

This process helps in identifying the data that must be backed up and the time frame of backup. The personnel responsible for performing backups, location, weekly/monthly backups, everything must be present in the DRP. You have to make sure that the crucial applications, IT equipment, and critical documents are periodically backed up. Never skip backing financial statements, income tax returns, employee lists, contact info, inventory records, and vendor listings.

Test and Maintain the DRP:

Having a disaster recovery plan is not enough; you have to make sure it works appropriately. Always perform an initial check to know how efficiently it works, and it is highly important to maintain DRP. Also, if required, upgrade the plan as per changing infrastructure and resources.

In summary, an enterprise must develop a DR team for creating, maintaining, implementing a disaster recovery plan. Recovery plans help to resume organizational work in minimal time after a failure. The concerned person must update, test and maintain DRP as per changing basics.