Advantages of using Mortgage loans

Advantages of using Mortgage loans

The mortgage loan is a very specific type of loan. This particular type of loan is used to finance real property, such as house or a building, and the loan is secured against that property. It is common for both individuals and business owners to take mortgages. Individuals can take this loan for their house, for example. On the other hand, businesses can take mortgage to finance a factory or other commercial building. A financial institution, such as building society or a bank, is usually the financier for this type of loan.
The lending party is usually faced with minimal risk as the loan is secured against tangible property. On the other hand, the individual or business borrowing this money can lose property if the loan is not paid according to predetermined terms and conditions. There are various potential benefits of taking mortgages. These potential benefits and advantages are discussed in this article.

1: Makes owning a property affordable:

The biggest portion of general public belongs to middle class in most developed and under-developing countries. All these people want to own properties, especially houses. However, it can obviously be very difficult to save hundreds of thousands of dollars in order to purchase a house. Mortgage is widely considered to be the best alternative in this situation. Instead of spending hundreds of thousands of dollars at the time of purchase, you can divide the amount over a very long period of time. There is no definitive period but most mortgages are taken for around 20 to 25 years.
Same is the case with businesses. Most startups and even established companies don’t usually have enough cash or cash equivalent resources to buy expensive tangible properties. Therefore, mortgage is among the best options for businesses as well.

Cheaper way of borrowing:

Mortgage is not only among the most convenient options of financing properties but it is also one of the most cost effective options as well. The interest rate on mortgages is usually very low as compared with other long term loans. This is primarily because of the fact that the loan is secured against tangible property. The banks or other lending institution always has the option to sell off the asset to recover their money. Therefore, they charge lesser interest because of the lesser level of risk involved.

Easy availability:

It may be difficult for most individuals as well as companies and businesses to secure long term loans in the presence of credit track record and other necessary requirements. On the other hand, mortgage is easier to secure in most cases. One of the most important reasons is the same as discussed above. As the loan is secured, lenders do not have to worry about the security of their money and hence they give it easily. At the same time, there are various government and NGOs run schemes to facilitate first time buyers. ‘Help to Buy’ is one such scheme. Loan is usually very easy to get in these schemes and the rate of interest is also minimal.

The potential disadvantage:

We have already discussed some of the most important advantages of financing a property through mortgage arrangement. However, there is also a very crucial disadvantage to such a scheme. You will obviously end up paying thousands of extra dollars over the course of your life. In fact, you may end up paying more than the double amount of original price of your house. Hence, this factor should also be kept in mind when planning to use any such scheme. At the same time, you can end up losing your property in case you have failed to pay the periodic installments.

Why Should Businesses Donate Money?

Why Should Businesses Donate Money?

Charity donations are very important in helping poor and under-privileged sections of our society. Most people donate money because the act makes them happy and satisfied. We have already discussed some of the important reasons for donating money on individual basis, in an earlier article. At the same time, the act of donating money can be extremely beneficial for businesses, both small and big. The fundamental reason is obviously the same as in the case of individual donations, i.e. to help the under-privileged. However, business can gain a lot of other benefits as well. Some of the important benefits for businesses are discussed in this article.

1: Reduction in overall tax charge:

One of the most important reasons why most businesses donate is the tax relief they get. Donations to authentic charity organizations are usually tax deductible in most geographical jurisdictions. This can have a very positive effect on the overall tax charge for the business.
It is strongly advised that you check with the relevant authorities before making any significant charity contribution, if the sole purpose of your donations is to take these tax benefits.

2: Positive publicity:

Today, businesses are all about good publicity. People like to deal with companies that are more environment friendly, pay fair wages and make positive contributions in the society in which they operate. One of the best ways a business can contribute in the society is by making significant charity donations. Therefore, these donations can be greatly helpful in improving the public image of businesses. This, in return, can also improve the overall profitability of the business.
If your business donates to charities and social causes, make sure to take maximum advantages. Take photos and print them in magazines and post them on Facebook. Moreover, working with local non-profit organizations can also be very important and useful in improving your overall public image.

3: Better customer support:

It has been noted that the customer loyalty rate is significantly better in companies that have a positive image about making charity donations. Your customers will remain loyal and even support you in difficult times, for example when local government is against you. The value of your brand can be greatly increased if you are successful in showing yourself as a responsible business by donating money to local social causes and charities.

4: You are no longer “money-hungry”:

Businesses and corporations are often criticized as people believe they are hungry for money. This is obviously true that the basic purpose of any business is to make money but it does not have to be a bad thing. One of the best ways you can greatly decrease this criticism is by donating money to authentic causes. You can show the whole community that you are not really hungry for money. You can prove that you are in the business to make money but your presence is also greatly helpful for the local community. This act can go a long way in securing good reputation in the market.

5: Attract better employees:

It is not only with customers that they want to deal with ‘good looking’ businesses. A recent trend is that employees also want to work in organizations that look after their community along with earning money from the community. If you are donating money and helping local community, you are more likely to attract better employees for your company.

6: Networking opportunities:

When you donate money, you are usually invited in charity functions and local events. These are the events where various bureaucrats, politicians, government officials and businessmen are invited. Hence, it can prove to be a great platform for learning and improving your contacts. Business is all about networking and making good relationships with different people. Donating money can directly provide you with an opportunity to achieve your networking goals.
It can be seen that donating money can be extremely beneficial for businesses. Therefore, a business should never ignore any such chance.

Finding the best Mesothelioma Lawyer

Finding the best Mesothelioma Lawyer

You are probably not in very good health if you are searching for a Mesothelioma or Asbestos lawyer. It is most likely that you were exposed to unhealthy Asbestos and you developed a serious health condition, such as Mesothelioma. The process of finding the most appropriate lawyer can be very hectic in such a situation. However, you must make enough efforts in order to ensure that you receive good compensation deal. We cannot recommend you the best lawyer or law firm in this regard but we are going to discuss some important points in this article which will surely help you in finding a good lawyer to legally represent you.

1) Resourceful:

One of the most important things which you must consider is the level of resourcefulness of the law firm. You must also explicitly ask if the law firm will handle all aspects of your case themselves or will they outsource them to other law firms. It is common for some firms to take the case but then outsource some aspects. This is mostly done because these firms lack necessary resources, skills and experience. So, when choosing a lawyer or a law firm, you must confirm whether or not they are going to handle all aspects of your case.

2) Experience matters:

Cases related to Mesothelioma can be very specialized. Therefore, a lawyer or a law firm representing you must have enough experience to adequately manage your case. You should directly inquire about similar past cases and their results. You should avoid opting for a lawyer who is inexperienced in these kinds of cases. The chances of you winning your case can be huge if your chosen lawyer has a proven track record.

3) Ask questions:

Initial consultancy session is usually free. Most lawyers would be interested in taking your case. They will try their best to be friendly and prove their importance. This can be one of the most important steps towards achieving success. You must ask maximum questions during this consultancy session. Ask general questions about Mesothelioma cases and any specific issues regarding your case. The purpose should be to judge the overall competency of a lawyer. If you are finding a lawyer for yourself, it may be worthwhile to take a friend or a family member with you as you may not be in best of your health.

4) Are the firm and/ or lawyer recognized?

You should not take a chance with someone whose exposure is very limited. A good Mesothelioma lawyer will always be hugely recognized and respected in the law community. Therefore, try checking the reputation of that lawyer from its peers or previous clients.

5) Compassion:

Mesothelioma legal case can be very different from most other legal cases. The quality of compassion is obviously not directly related to winning the case. But you need a lawyer who has the ability to understand your situation. A Mesothelioma lawyer should always be sensitive to the needs of his or her clients and must be willing to fight till the very end.

Qandeel Baloch Fashion Model Scandel

Qandeel Baloch in Sama News 

Qandeel Baloch wearing sun glasses  



Qandeel Baloch in pin court 


Qandeel Baloch in Fashion show 


Qandeel Baloch wearing old gewleries


Qandeel Baloch nice pose


Qandeel Baloch nice look 


Qandeel Baloch looking beauty full  


Qandeel Baloch in famous moood


Qandeel Baloch Scandle with molana 


Qandeel Baloch in Fashion Shows


Qandeel Baloch in Black Shirts


Qandeel Baloch wearing Sun Glasses 


Qandeel Baloch with Imran Khan


Qandeel Baloch picture with shahid Afreedi


Qandeel Baloch wearing Pent Court 

YTPak.com Video Website for the Asian

YTPak.com Video Website for the Asian

YTPak.com is the video website for the asian countries and many more clips we can found on the YTPak.com. 
Description

You Can Watch and Download All YouTube Videos Where ever you in the world where YouTube in Blocked.
You Can Watch YouTube Videos Without Proxy or VPN.




Tags :How to download any songs videos on ytpak 3gp mp4 HD video, How to download any songs videos on ytpak Video Songs, Video, How to download any songs videos on ytpak bollywood movie video, 3gp How to download any songs videos on ytpak video Download, mp4 How to download any songs videos on ytpak hindi movie songs download, How to download any songs videos on ytpak (2015) all video download, How to download any songs videos on ytpak Hd Video Songs, How to download any songs videos on ytpak full song download, How to download any songs videos on ytpak Movie Download, How to download any songs videos on ytpak HD video Download, Mp4 Songs Download, video, 3gp, mp4 download, How to download any songs videos on ytpak Bollywood Songs, How to download any songs videos on ytpak Android Video, Full PC Video, How to download any songs videos on ytpak (640px360p), (854px480p), (1280px720p), (1920px1080p), pagalworld.com, djmaza, waploft, videoming.in 

Vietnam Idol: Thảo Nhi suýt ra về sau khi cover thất bại "Anh cứ đi đi"

Với việc cover khá tệ bài hit "Anh cứ đi đi", Thảo Nhi đã lọt top 3 nguy hiểm Gala 1 "Vietnam Idol 2016", nhưng cái tên phải ra về lại là cô gái dân tộc Ba Na - Y Lux.


"Vietnam Idol 2016" đã trải qua 2 đêm trực tiếp đầu tiên của vòng Studio. Chia tay Tuấn Phong và Thủy Tiên, top 10 chính thức của mùa 7 đã bước vào vòng Gala đầy cam go, kịch tính. Ngôi vị Quán quân sẽ thuộc về 1 trong 10 tài năng: Thảo Nhi, Minh Trị, Y Lux, Việt Thắng, Quang Đạt, Bá Duy, Trà My, Thanh Huyền, Tùng Dương và Janice.
Vietnam Idol: Thảo Nhi suýt ra về sau khi cover thất bại Anh cứ đi đi - Ảnh 1.
Giám khảo Bằng Kiều - Thu Minh - Nguyễn Quang Dũng
Vietnam Idol: Thảo Nhi suýt ra về sau khi cover thất bại Anh cứ đi đi - Ảnh 2.
Top 10
Vietnam Idol: Thảo Nhi suýt ra về sau khi cover thất bại Anh cứ đi đi - Ảnh 3.
MC Phan Anh
Quán quân "Học viện ngôi sao", người khiến giám khảo Thu Minh và Bằng Kiều bất đồng ý kiến - Thảo Nhi lựa chọn bài hit nổi tiếng "Anh cứ đi đi" của Hari Won. Giám khảo Nguyễn Quang Dũng cho rằng phần cover này hơi sai sai, hơi bức bối một chút, lúc đầu vào hơi điệu và nắn nót quá. Lúc cover một bài hit, không nên có tâm lý phải hát hay hơn, phải chứng tỏ bản thân. Hôm nay, phần cover không đúng chất bài hát, cũng không đúng chất của Thảo Nhi.
Giám khảo Thu Minh nhận xét bài này rất hợp và hát rất hay bài hát này, cô từng tin Thảo Nhi sẽ trình diễn rất tốt. Tuy nhiên, hôm nay Thảo Nhi lại không thể trình bày tốt được như mong đợi, năng lượng mất hết, các câu hát bị hụt hơi. Nữ giám khảo đánh giá cao phong thái của Thảo Nhi, nhưng chiếc váy có vẻ làm thí sinh hơi tròn trĩnh một chút, hình ảnh không phù hợp. Cô mong khán giả sẽ tinh tế, nhìn nhận được khả năng của Thảo Nhi để bình chọn cho chính xác.
Giám khảo Bằng Kiều nhận xét Thảo Nhi rất tỏa sáng khi bước ra, tuy nhiên khi hát lại mất tập trung, mọi thứ trôi tuột đi, hát cụt lủn, phô chênh. Anh cảm thấy rất tiếc và không hiểu tại sao phong độ của thí sinh lại như ngày hôm nay. Giám khảo Bằng Kiều còn hài hước góp ý thêm về việc giảm cân cho Thảo Nhi.

YOUR BEST INSURANCE GROUP: AVALON HEALTHCARE

13Avalon is converged from the foreseeable future of Florida’s healthcare. They offer consumer-directed insurance policies to give occupants more control in their health care, and more affordable coverage. Avalon’s offers both group medical care insurance plans and person coverage options. In addition, they offer other sorts of insurance including dental and vision strategies, critical illness insurance, cancer and hate disease plans, long-term proper care, disability, and insurance coverage. To compare strategies from Avalon and also other leading insurance businesses, use our secure service to get free quotes now. Selecting Avalon.14Avalon provides access to one of several largest care networks into the state of Florida. Their extensive community includes doctors, hospitals, pharmacies, and dentists in virtually every county. Their headquarters is Tampa, Florida. Avalon’s consumer-directed means of health insurance presents members more control over their very own health care using high-deductible health strategies and Health Personal savings Accounts. HSAs are bank accounts where members can help save money tax-free only reserved for health care costs. High deductible PPO strategies feature low regular monthly premiums and devastating coverage. For minor medical costs, members may make use of their Health bank account (HSA) funds. There are not any referrals or mortgage approvals had a must use the funds in the HSA – customers are absolve in order to direct their money for just about any medical care price tag they choose. Your Avalon CareSupport Program.15With a medical insurance plan from Avalon, members take responsibility of numerous of their healthcare decisions. The Avalon CareSupport Plan provides members info on local doctors along with care facilities, put together with rates they fee for medical companies. This system helps policyholders manage their healthcare, make educated choices, and spend much less. Finding high-quality treatment is another focus with the CareSupport Program. They conduct thousands of medical care reviews to exhibit members where they may get the highest quality of care. Prepared to find your quality of life plan? Get free quotations and compare selections from Avalon Healthcare as well as other leading medical insurance companies. You’ll have the ability to view plans on the internet to compare rates and benefits, to get expert advice from licensed medical care insurance professionals in your town. Your quotes are usually always no-risk, no-obligation, and for free.  

TIPS ON HOW TO COMPARE CAR INSURANCE QUOTES

34Getting quotes from vehicle insurance providers is easy. You can pick-up the phone and speak to an agent, or you can obtain your quote right on the insurer’s web page. These days, you can obtain an accurate concept of how much car insurance will cost you just by punching in the few figures on your desktop. But once you then have a handful of quotes facing you, how would you determine which coverage will suit people best? Here are a number of tips that may help you effectively compare car insurance policy quotes. Understand in which cost isn’t every little thing. When you begin comparing auto insurance quotes, it may be always tempting to base your own preference on the “bottom series: ” Which policy will surely cost me the least amount of money out of wallet? Some people don’t need to spend to much time shopping for car insurance—and because of this, price is often the sole determining aspect. But, price is not the one thing to consider when you’re hoping to get the most coverage to your money. If you’re really thinking about figuring out which vehicle insurance provider offer the best deal, you have to appear beyond dollar indications and pick with the fine details in which separate one from the other.35Get all your information in purchase. When you compare car insurance policy quotes to an eye toward buying vehicle insurance, you don’t desire ballpark figures. You wish to know exact buck amounts and exact coverage limits. To be able to ensure there’s accuracy inside quotes you be given, be ready to offer information like the make and type of your car, along with all of the safety features. Since included in the package be asked about your record, it’s important to never omit anything that may change your estimate. Likewise, be ready to offer all information in relation to any past damages you’ve been involved in and how much money in claims the insurer paid out because of this. Past claims can impact on your estimate amount. Leave no stone unturned. Comparing car insurance policy quotes isn’t usually like comparing oranges to apples. Often, it can be more like comparing oranges to oranges… or apples to baseballs. Truth is told, not all car insurance policy policies are a similar, and there are numerous car insurance policy coverage options to select from. Failing to conduct a radical comparison could put you susceptible to missing something vital. To prevent looking over important details, be sure that each quote considers the same level of coverage for real injury, property harm liability, collision coverage, uninsured motorist coverage and compensation for injuries protection, and then consider the other factors involved in your decision. Never assume which the coverage involved to all quotes will always be identical. If you choose this assumption, you may find yourself choosing an insurance plan that’s missing a thing vital—like adequate accident coverage or real injury coverage. Have a look at your existing coverage for reference. Not everyone looking for car insurance posseses an existing policy. But if you do, prefacing your estimate comparison by critiquing your existing vehicle insurance policy is a wonderful place to start. Are there some levels of coverage you could stand to, or do you’ll need more coverage? Will be your personal injury security coverage too reduced? Use your current vehicle insurance policy as a measuring remain faithful to determine if you’re having the best coverage for top price. Opinions matter. Getting the judgment of friends, family members and neighbors who have had experiences with different car insurance policy providers is an excellent way of narrowing down the options. When it comes right down to it, there are some insurance carriers that are a lot better than others at delivering high-caliber customer satisfaction and a fast claims process. Since these factors are not compared on document, it makes good sense to dig just a little deeper into the “real world” trustworthiness of an insurance business by talking with those who had first-hand knowledge. If you’re dissatisfied with what you’ve learned by speaking directly with those you recognize, take your look online. You can learn lots by reading client comments on dialogue forums and web 2 . 0 websites. Research the insurance company’s fiscal standing. Just as a worst-case scenario is unlikely that occur doesn’t mean it truly is impossible. Think about what can happen if you insure your vehicle with a provider that’s in the operation of steep economical decline. It could cause pending claims to be held up forever, or you could even lose coverage if the insurance company you want goes under. Before you decide to pick an insurance company, check out the business’s credit rating using a. M. Best. It’s free, it’s easy, and it’s the smart action to take.

WHERE COULD YOU FIND AUTO INSURANCE PLAN?

31If you hop onto the search engine of your choice and enter the words “auto insurance policy, ” you’ll get lots of results. If you’re shopping for car insurance, the vast number of choices close at hand could leave that you simply little mystified as to where to begin. To help you search a little more easily, we’ve put together a few ways to point you within the right direction. Get automobile insurance quotes online.32Buying a car insurance quote online is simple, and best of all, it’s free. Should you decide to take the web quote comparison way, remember that a lot more information you can provide, the better off you’ll be. Expect to response questions about your age, where you dwell, your driving history, the type of car you own (including any exclusive features, like anti-lock brakes along with power windows), safety measures and anti-theft capabilities, and even your credit ranking. The more details you are able to provide, the more precise the quote are going to be. Once you’ve chosen an insurer, look for on the internet tools that will give you the location of the nearest company broker. Call the insurance carrier.33Not everyone is comfortable filling out forms online. As well as, not everyone is comfortable creating an online business as the sole source of communication for shopping for something as important as car insurance policy. There are nonetheless many people in the world who enjoy the ability to talk to an actual, living, breathing person since it gives them an opportunity to ask questions since they arise and acquire immediate answers. It’s not always possible with the online comparison instrument. Get face moment with local insurance policy agents. Just because engineering has made the planet a smaller place doesn’t mean it’s not possible to go about your seek out car insurance in a very more traditional way. If you’re in search of auto insurance or have decided you’re switching insurers, use the trusty phone book and get a few neighborhood insurance agents for the horn. Prefer face-to-face conversation? You may discover that many local car insurance policy agents have a open-door policy allowing you to swing by along with hash out the main points in person. Perceive straight from your horse’s mouth. You may discover that your easiest source of specifics of auto insurance providers will be the very people dwelling around you. Speak to your friends and neighbours. Ask them who their insurers are, and while you happen to be at it, question them about their experience using their insurance company. Uncover which insurance firm they’ve loved by far the most and which insurance carrier they’ve loved the lowest amount of. Satisfied customers adore to share their stories as often as dissatisfied buyers, and you’re prone to get an earful should you ask for it. Who knows? Chatting about motor insurance with your neighbor may even clue you in to an insurance provider due to even knew been around. Whether you choose to do so by calling as well as visiting an broker, visiting an insurance policy company’s website as well as getting feedback from people you already know, there are many choices when shopping for a car insurance policy. Start shopping right now on Allstate’s Car insurance page.  

SOMETIMES THE CHEAPEST CAR INSURANCE ISN’T THE BEST OPTION

27Shopping for car insurance will be a breeze if you merely had to look at price: You would just zero in on the company that provides cheapest premium costs, and you’d end up being set. Unfortunately, it doesn’t always work that way. Going with the low-cost vehicle insurance provider may assist in saving you money, but will the item always give you satisfaction?28Cheaper isn’t always better. If you are looking at the car insurance policy company with the minimum price, remember which you sometimes get whatever you pay for. Nowhere is this kind of truer than in car insurance policy, where sometimes the least expensive policy means far lower limits of insurance policy coverage. It can from time to time even mean foregoing critical coverage that you’re going to hopefully never need—but that would sure be wonderful to have when you are in an automobile accident. Raising your deductible can lower your premium costs, but when you really set the item that high? Whenever you get car insurance plan, you may have the option of establishing a lesser deductible. This is usually associated with greater premiums, but furthermore, it means that if then when the time pertains to use your insurance plan, you won’t should pay a large sum of money at once to cover your car restoration. Raising your tax deductible has its positives and negatives, but it’s under your control to decide what’s best for you personally. Opting out of certain forms of coverage most likely are not a great concept. Depending on your geographical area, you’ll find certain laws constantly in place that govern what type of insurance you’re needed to have. It’s important to learn what your express requirements are. Almost all states make culpability insurance mandatory, while others also require you to have personal injuries protection. But, keep the one thing in mind: Just because you just aren’t required by law to get coverage doesn’t necessarily mean it’s not a smart idea to get it anyway. Cheap insurance procedures usually only provide you with the basic state requirements, just enough to keep you legal. Nevertheless, there may be a big difference between meeting the actual bare legal requirements and obtaining the best coverage on your money. Boosting your higher level of coverage could be worth it you put in. If you’re considering a cheaper car insurance, it’s probably inexpensive to get a reason. One of those reasons may very well be that how much coverage you’re getting is not actually high enough to cover potential damages. For instance, the state associated with Florida only requires no less than $10, 000 intended for property damage culpability. But, what happens for anyone who is deemed at fault within the accident and the quantity of damages exceeds that will $10, 000? It’s possible, especially considering that will cars aren’t receiving any cheaper. In such a circumstance, you may need to pay for any damages that will exceed your insurance policy. Not such plenty, is it?30Occasionally, low cost often means low quality. It doesn’t matter if you’re talking car insurance policy or restaurant service—customer service counts to get a lot. Oftentimes, the ability to discuss your insurance options with all your agent in person as well as to file a claim that has a real, live person on the telephone can give you satisfaction during a nerve-racking time. To be absolutely certain that the company you are looking at hasn’t lowered prices to check its level of customer care, get online and do your research or talk the item over with someone you recognize who has an insurance plan with the exact same company. If you hear good things about their service, consider this a superb sign.

CAR INSURANCE TIPS AND TRAPS

26Know your excessive Excesses range from $2675 on an unlisted 23-year-old driver down to $300 for a typical excess in Tasmania. Tip! Some insurers discount age excess for younger ladies. Trap! Increasing your excess could save you money but steer clear of a genuinely high excess – it won’t be worth your while to produce a smaller claim. Look for ‘no claims bonus’ discounts Depending on your current insurer, this are going to be called a simply no claims bonus or no claims discount (NCD) that is certainly basically what it can be – a price cut for not making a claim. The amount of the discount varies according to the insurer. A ‘maximum’ rating (which usually means no claims for five years) could save you up to 70%. Snare! You can usually pay extra to safeguard your NCD, meaning if you undertake have an crash, it won’t affect your rating. But should you have a protected simply no claim bonus, don’t assume the ‘at fault’ claim won’t have an impact on your high quality. Some insurers enhance your premium regardless. Even a ‘no fault’ claim like hail damage make a difference to on your high quality. Get a price cut for restricting people Tip! Some companies price cut the premium in case you restrict using your car to be able to nominated drivers or those more than a certain age. Trap! If you acquire this up you must not let an excluded person drive – if they have an crash it’s you who’ll pay a higher additional excess or will possibly not be covered at all. Know your discounts Tip! Discounts may be available should you have other policies while using the same company, offer an approved engine immobiliser or alarm installed as part of your car, or take out insurance online. Long-term clients, pensioners, people aged 50 to be able to 70 and youthful drivers who’ve completed an expert driver’s course also can receive discounts. Trap! Insurers don’t immediately reward loyalty or make discounts available. You have to ask an organization for discounts when purchasing a policy. You should search at least every 1 or 2 years to ensure you get the finest deal. We’ve heard via members who bought an online quote from their own insurer and found so it was cheaper in comparison with their renewal ease. Buying a vehicle? Tip! When purchasing a new vehicle, especially if you’re trying to decide between different models, it’s worth considering what the insurance can be on each. Some models attract a better premium, for illustration, because they’re almost certainly going to be stolen. This will add hundreds of dollars for your insurance bill each year.  

AUSTRALIAN CAR INSURANCE GUIDE

AUSTRALIAN CAR INSURANCE GUIDE

24The amount of insurance you need depends on how flashy ones wheels are, how dodgy ones driving is as well as how devastated you’d be if your car was stolen or written off. If you are not sure which cover you may need, we can help you to get your head throughout the types of insurance being offered, the tips as well as traps when choosing a policy, and the best way to save money in your premiums. Compulsory alternative If your car is registered then you already have compulsory third party insurance (CTP, or green slip insurance). It provides vital cover against boasts for compensation should you injure or wipe out someone in an auto accident. Tip: In all states aside from NSW and Queensland, CTP insurance is furnished by only one state-owned or government-licensed insurer. In NSW as well as Queensland it’s offered by a number of insurers and it pays to buy around. For an online price guide head over to NSW Government Powerplant Accidents Authority or phone 1300 137 six-hundred (NSW); Queensland Government Motor Accident Insurance policy Commission or mobile phone 1300 302 568 (QLD). Think CTP can do? It doesn’t include you for damage caused to other people’s property such while you driving into some sort of Ferrari – that’s a lot of repair bills coming your way. Third party home This is the most affordable option after CTP. It covers you for the damage you could potentially cause to another car and could include limited include for damage caused on your car by an uninsured driver.25Suggested for:If you’re below 25 and driving a car a 1995 Mazda 121 that has a broken tape outdoor patio and an Quotes shaped coat hanger then this is just about the policy for a person. Insure everyone else’s car instead of your family. The money a person save on premiums can have you driving a thing better much quicker. Third party home, fire and thievery This also covers you in case your car is ripped off or burnt. It’s really a step up from alternative, but not while broad as thorough insurance. Recommended for: This is your vehicle insurance equivalent of your each-way bet. You’ve upgraded with a 2001 Holden Berlina that has a broken CD player that you simply tend to park your car in dark walkways so you’re worried about it getting stolen but you still can’t justify paying for comprehensive premiums. Extensive This is the most beneficial cover option but the most high priced. It includes the money necessary for crash repairs or replacing your car or truck, even if you’re to blame.  

3 FORMS OF INSURANCE YOU NEED IN YOUR LIFE

Navigating the actual insurance maze might be difficult, so the following is some expert guidance. While you should hold off of on purchasing some kinds of insurance, investing with health, homeowners and auto insurance a very good idea. There isn’t a lot of talk about insurance in institution. So when we become adults, we’re left to contemplate the dizzying range of insurance policies on our personal and wonder in the event we need all of them, just some, or carry out. It’s almost as confusing as understanding the Pythagorean theorem as well as the periodic table connected with elements. So if you’re new at all to the world connected with insurance or you could utilize a brush-up article, here is a new somewhat subjective set of the types connected with insurance you absolutely need, types you might want and those you actually don’t are interested. 1.Householders insurance.19If you possess a house, your bank will require you to have homeowners insurance policy. In fact, “if someone loses their homeowners insurance i really enjoy seeing – cancellation, nonpayment, nonrenewal, then the bank is notified, ” says John Weedin, an insurance policy consultant in Seattle. “They will immediately place their unique insurance in that and bill this homeowner. Then they will give the homeowner to be able to get their unique. The bank will not give it time to go uninsured for any time period. ” Unless you’ve paid off your mortgage, there’s really no chance out of property owners insurance. Vehicle insurance.20This is yet another must-have. In truth, it’s against regulations to drive without getting some sort of coverage. If you might be caught driving with no insurance, you will most likely not go to imprisonment, but your driver’s license might be suspended and you’ll become fined. Medical insurance.21If you are generally 25 or more radiant, you shouldn’t buy health insurance policies, assuming you’re still covered with your parents’ policy. Yet otherwise, add it to your list. According to be able to Healthcare. gov, throughout 2014, if there isn’t health insurance, you will have to pay whichever is usually higher: either 1 percent of your respective yearly household income or $95 for every uninsured adult ($47. 50 for every child under 18). In 2015, the fee will likely be 2 percent of your respective income or $325 for every person, and throughout 2016, it’ll possibly be 2. 5 percent of your respective income or $695 for every person. In 2017 and also beyond, the fee will likely be adjusted for inflation.

YOU SHOULD KNOW ABOUT CAR INSURANCE COVER NOTE (P1)

Are you aware of your cover notes from the certificates of insurance? Find out in regards to the car insurance documents you may need. There are lots of things to defend myself against board when you obtain car insurance, and it’s not hard to get confused by all the various terms.16You may be issued with the cover note. This is different then a certificate connected with insurance or your own policy document, but it’s a significant piece of paperwork that you might need to produce if you should make a assert. It’s a legal requirement to obtain at least the minimum amount of insurance in place before you decide to drive a auto, and you in addition need an insurance document in order to tax your vehicle. So if you get a cover note when you’ve chosen your auto insurance provider, here are some things you will need to know: The reason have I also been sent a deal with note by the new insurers? A cover note is really a temporary document. You could have been sent it whilst the insurance policy underwriter completes the actual paperwork or appears more closely in the risks of providing you with an insurance policy. Car The cover note stands in place of the certificate of insurance plus the policy document until they are issued to a person. Would be the terms similar to in the complete policy? The policyholder (you) are going to be covered by the same conditions and terms as are listed inside the full policy file, although there may be a few limitations as a result of any potential risks linked to insuring you how the underwriters might be researching. For example, the insurance firm might reserve the proper to cancel your current cover immediately, whereas ordinarily they would need to give you a minimum of seven days’ notice. How long will your cover note last?17The length of time a cover note is valid for is dependent upon the insurer and on the policy, but 60 days is frequently the maximum protect period. The timescale must be stated on the cover note, and it’s really an offence beneath the Road Traffic Act to notice a date or perhaps time pre-dating the matter of the note. What information if the cover note include things like? The cover note would include the same details as are listed over a certificate of insurance, such as the particular name(s) of anyone eligible to drive the vehicle, the vehicle make and model, and the extent of handle. It will likewise state whether your insurance cover is fully comprehensive, third party only or alternative party, fire and thievery.    

Emma Watson About

Emma went to see Harry Potter and the Cursed Child on Wednesday, and afterwards met the cast backstage, including Noma Dumezweni (Hermione), Sam Clemmett (Albus Potter) and Anthony Boyle (Scorpius Malfoy). Emma posted her thoughts of the play on her facebook page.
“Yesterday I went to see the Cursed Child. I came in with no idea what to expect and it was AMAZING. Some things about the play were, I think, possibly even more beautiful than the films. Having seen it I felt more connected to Hermione and the stories than I have since Deathly Hallows came out, which was such a gift. Meeting Noma and seeing her on stage was like meeting my older self and have her tell me everything was going to be alright, which as you can imagine was immensely comforting (and emotional)! The cast and crew welcomed me like I was family and Noma was everything I could ever hope she would be. She’s wonderful. The music is beautiful… I could go on…”
CC1CC2CC4CC5CC3

Katrina Kaif History from wikipedia

Katrina Kaif (pronounced [kəˈʈriːnaː ˈkɛːf], born Katrina Turquotte; 16 July 1983) is a British[5] film actress and model. Primarily known for her work in Hindi films, Kaif has also appeared in Telugu and Malayalam films. In addition to being one of Bollywood's highest-paid actresses, she is considered one of India's most attractive celebrities by the media.
Born in British Hong Kong, Kaif and her family lived in several countries before she moved to India. She received her first modelling assignment as a teenager and later pursued a career as a fashion model. At a fashion show in London, filmmaker Kaizad Gustadspotted Kaif and decided to cast her in Boom (2003), a critical and commercial failure. While filming in India, Kaif received modelling assignments and established a successful modelling career. However, filmmakers were hesitant to cast her due to her poor command of Hindi. After appearing in the Telugu film, Malliswari (2004), Kaif earned commercial success in Bollywood with the romantic comedies Maine Pyaar Kyun Kiya? (2005) and Namastey London (2007). She followed with a series of box-office hits, but was criticised for her acting, repetitive roles and inclination to male-dominated films.
Kaif's performance in the 2009 terrorism drama New York was better received, earning her a Filmfare Award for Best Actressnomination. After roles in Ajab Prem Ki Ghazab Kahani (2009), Raajneeti (2010) and Zindagi Na Milegi Dobara (2011), she received her second Filmfare nomination for her performance in Mere Brother Ki Dulhan (2011). Kaif featured in the thrillers Ek Tha Tiger(2012) and Dhoom 3 (2013), both of which rank among the highest-grossing Bollywood films of all time. Despite receiving mixed reviews from critics for her acting prowess, she has established herself as a commercially successful actress of Hindi cinema.
In addition to acting, Kaif is involved with her mother's charity and participates in stage shows. She is guarded about her personal life, which is a subject of media scrutiny. Her background has also been a topic of discussion, with some sources accusing her of fabricating her history.[6]

Katrina Kaif was born in Hong Kong with her mother's surname Turquotte (also spelt Turcotte), on 16 July 1983.[a][6][7][8]According to the actress, her father (Mohammed Kaif) is a British businessman of Kashmiri Indian descent and her mother (Suzanne, also spelt Susanna) is an English lawyer and charity worker.[9][10][11][12][13] She has seven siblings: three elder sisters (Stephanie, Christine and Natasha), three younger sisters (Melissa, Sonia, Isabel) and an elder brother, Michael.[11][13] Isabel Kaif is also a model and actress.[14] Kaif's parents divorced when she was a child, and her father moved to the United States. She said her father had no influence on Kaif or her siblings while they were growing up, and they were raised by their mother.[6][13][15] On her father's absence in her life, Kaif stated: "When I see friends who have wonderful fathers who are like pillars of support for their families, I say, if only I had that. But instead of complaining, I should be grateful for all the other things I have". In a 2009 interview with The Indian Express, she said she was not in touch with her father.[13]
Kaif says that her mother decided to "dedicate her life to social causes", which led to the family's relocation to a number of countries for varying lengths of time:
Our transitions in growing up were—from Hong Kong where I was born, to China, then to Japan, and from Japan by boat to France ... After France, Switzerland—and I'm cutting out many East European countries where we were for only a few months each—then Poland in Kraków ... After that we went to Belgium, then to Hawaii, which was a short time, and then came to London.[15]
Due to their frequent relocation, Kaif and her siblings were home-schooled by a series of tutors.[16] Although she is thought to have grown up in London, she lived there for only three years before moving to India.[15] According to Kaif, she then changed her surname to her father's because she thought it would be easier to pronounce.[17]
Kaif's paternal parentage has been questioned by some members of the film industry.[6] In a 2011 interview with Mumbai MirrorBoom producer Ayesha Shroff accused Kaif of fabricating her history: "We created an identity for her. She was this pretty young English girl, and we gave her the Kashmiri father and thought of calling her Katrina Kazi. We thought we'd give her some kind of Indian ancestry, to connect with the audience ... But then we thought that Kazi sounded too ... religious? ... Mohammad Kaif was at the top, and so we said, Katrina Kaif sounds really great".[12] Kaif called Shroff's comments "hurtful".[6]

Career

Modelling and film debut (to 2003)

At the age of fourteen, Kaif won a beauty contest in Hawaii, and received her first modelling assignment in a jewellery campaign.[18] She subsequently modelled professionally in London, working for freelance agencies and appearing regularly at London Fashion Week.[6] At a fashion show Kaif attracted the attention of London-based filmmaker Kaizad Gustad. He selected her for a role in the English-Hindi erotic heist film Boom as part of an ensemble cast that included Amitabh BachchanGulshan GroverJackie ShroffMadhu Sapre and Padma Lakshmi.[19][20] While filming in India, Kaif received other offers and decided to stay in the country.[21] In 2003, she received notice as a model after walking the ramp for Rohit Bal at the India Fashion Week[22] and appeared in the first Kingfisher Calendar.[23] Kaif soon established a successful modelling career in India after endorsing brands such as Coca-ColaLGFevicol and Samsung.[24]
Kaif's career as a model led to anticipation surrounding her Bollywood debut.[20] Boom (2003) had its first screening at the Cannes Film Festival, and was heavily promoted at the event.[25][26] Boom was a commercial and critical failure.[27][28] Kaif's enactment of a supermodel ensnared in the Mumbai underworld was poorly received, with Ziya U. Salam ofThe Hindu attributing the weak performances of the film's leading ladies to "the vacuity of their expressions".[29] Hindustan Times reported that after Boom's release, Kaif was written off due to her poor Hindi and thick British accent.[30] She later dismissed the film: "I don't count Boom among important happenings in my life. When I signed this film, I didn't know much about India and its film audience".[31] Although Kaif was offered a number of modelling assignments,[31] filmmakers were hesitant to cast her because of her poor command of Hindi.[32] In one instance, Mahesh Bhatt replaced her with Tara Sharma in Saaya (2003) as he found her an "inconsistent performer".[33] Subsequently, Kaif began working on her diction through Hindi classes.[31]

Early film work (2004–06)

A woman is smiling away from the camera.
Kaif at the 2006 IIFA Awards
After the failure of her first Bollywood project, Kaif appeared in the Telugu film Malliswari (2004). With Daggubati Venkatesh, she played the title role of a princess forced to flee from her murderous caretaker. Kaif received a reported ₹7.5 million (US$110,000) for the film, the highest salary for a South Indian film actress at the time. Despite negative reviews for her acting, Malliswari was a profitable venture.[34][35]
The following year, Kaif appeared briefly as Abhishek Bachchan's girlfriend in Ram Gopal Varma's political thriller Sarkar.[36] She next featured alongside Salman KhanSushmita Sen and Sohail Khan in Maine Pyaar Kyun Kiya?, a film she considered her "first real step into Bollywood".[37] Directed by David Dhawan, the film was a successful remake of the romantic comedy Cactus Flower.[38][39] For her role as a suicidal model, Kaif received the Stardust Award for Breakthrough Performance – Female.[40] According to Sukanya Verma of Rediff.com, "Katrina's Disney princess-like charm adds to her adorable screen presence".[41] Kaif followed with a small part in her second Telugu film,Allari Pidugu.[42]
In 2006, she appeared with Akshay Kumar for the first of many films in Raj Kanwar's unsuccessful Humko Deewana Kar Gaye,[43] a story of two like-minded strangers who fall in love despite being engaged to others. Sify wrote that Kaif was "passably competent in a tailor-made role, giving a mild emotional spin to a couple of scenes" but was overshadowed by her supporting actresses.[44] Kaif also appeared withMammootty in the Malayalam crime thriller Balram vs. Tharadas,[45] in which Rishi Raj Singh of The Hindu called her performance "marvellous".[46]

Commercial success (2007–08)

Kaif's career prospects changed in 2007, when she appeared in four Bollywood hits.[47] In an interview with The Indian Express, she called Vipul Amrutlal Shah's romantic comedyNamastey London a milestone, saying that "for the first time, [she] had a dominating role".[13] Kaif used her life in London as a reference for her role as a spoilt British Indian girl intent on marrying her self-centred British boyfriend, despite her parents' disapproval.[48] Although critics expressed mixed views on the film,[49] Sukanya Verma wrote that Kaif "suits the role to the T" and "brings the zingy mix of her character alive with style and substance".[50] Kaif's chemistry with co-star Akshay Kumar was particularly well received, with Nikhat Kazmi of The Times of India calling their casting "refreshing".[51]
A man and a woman are looking away from the camera. The man is dressed in formal clothes, while the woman is wearing a light pink dress.
Kaif and Akshay Kumar on the set ofWelcome; they teamed in several successful films.[52]
She had a supporting role as a doctor in the sports drama Apne. The film was highly anticipated as it marked the first appearance ofDharmendra with his sons, Sunny Deol and Bobby Deol.[53] After Apne she rejoined director David Dhawan and Salman Khan for the comedy Partner, a remake of Hitch which also starred Govinda and Lara Dutta.[54] With a worldwide revenue of ₹1.03 billion(US$15 million), the film was a major financial success.[55][56] Kaif's final film of the year was Anees Bazmee's comedy Welcome, alongside Akshay Kumar, Nana PatekarMallika Sherawat and Anil Kapoor. Although the film generated mostly negative reviews, it proved to be the second highest-grossing Bollywood film of 2007.[47][55] The similarity of Kaif's roles was noted by Shoma Chaudhury ofTehelka, who called her "unabashed eye-candy", adding that she was "a pretty prop in Welcome" and "more of the same in Partnerand Apne".[16]
In 2008, the actress had three releases, the first of which was Abbas-Mustan's action thriller Race, a story about two stepbrothers-turned-rivals who are in contention for their father's insurance money. Kaif played Saif Ali Khan's secretary, who is his stepbrother's (Akshaye Khanna) lover. Nikhat Kazmi was appreciative of the film, praising its "super cool look [and] testosterone-high action sequences" but found Kaif "too pale" in her role.[57] After Race, Kaif rejoined Akshay Kumar in Anees Bazmee's action comedy Singh Is Kinng. The film earned ₹1.25 billion (US$19 million) worldwide, making it Kaif's sixth consecutive box-office success.[30][56][58] However, she received mixed reviews for her performance.[47] Rajeev Masand of CNN-IBN reviewed: "Katrina Kaif is an eyesore ... her acting so weak you want to urge her to watch everyone from Madhubala to Madhuri so she might pick up a few tricks".[59]
Kaif's final film of the year—Subhash Ghai's drama Yuvvraaj—was a major box-office failure.[58] In preparation for her role as a cellist she practised her playing with orchestra members.[60] Her portrayal of a girl forbidden by her father from marrying her poor lover was well received by Sify's Sonia Chopra: "Katrina is wonderful, plays the cello convincingly, and looks ethereal".[61] Despite the film's mixed critical reception, its screenplay was added to the library of the Academy of Motion Picture Arts and Sciences for its artistic merit.[62][63]
Before New York, Kaif's voice was dubbed over by voice artists in most of her films due to her lack of fluency in Hindi and other Indian languages.[b] Although she appeared in a series of successful films, critics noted that she had little to do in them as they were generally male-dominated.[30][66] Her performances were also largely criticised.[67][68] About her series of glamorous roles, Kaif said that her "first few films were really a process of learning ... There was no target".[6]

New York and other roles (2009–11)

Kaif with Kabir Khan (right) and Neil Nitin Mukesh on the set of New York in 2009
After a string of films in which she was cast to add glamour, Kaif appeared in Kabir Khan's terrorism drama New York (2009).[69]Featuring John Abraham and Neil Nitin Mukesh in lead roles, the film tells the story of how three friends' lives are changed when the former is wrongly detained after 9/11. Kaif played Maya, a college student who later marries a terrorist. The actress said that she identified with Maya, since she experienced similar isolation because of her skin colour when she was growing up in London.[70] Kaif also remarked that she was tired of "arm candy" roles and was looking for more substantial parts.[71] New York did well at the box office and received favourable reviews.[72][73] According to Subhash K. Jha, Kaif "comes into her own as an actress of substance ... From the carefree effervescent campus girl to the anguished wife, Katrina makes the journey look plausible all the way".[74] New York brought Kaif her first Filmfare Award nomination for Best Actress.[75] She then appeared in a cameo for India's first underwater thriller Blue.[76]
Kaif starred with Ranbir Kapoor in Rajkumar Santoshi's hit comedy, Ajab Prem Ki Ghazab Kahani (2009), as an orphan forced to marry a rich man.[77] Taran Adarsh of Bollywood Hungama wrote, "Katrina Kaif continues to surprise ... She scores in both emotional and light scenes" and called her chemistry with Kapoor "electrifying".[78] Her final film of the year was Priyadarshan's comedy De Dana Dan.[71]
A woman dressed in a white salwar kameez (traditional Indian dress) with her hair down is smiling and looking away from the camera.
Kaif at a promotional event forRaajneeti, 2011
In 2010, Kaif appeared in Prakash Jha's political thriller Raajneeti as part of an ensemble cast which included Ranbir Kapoor, Ajay DevganArjun Rampal, Nana Patekar, Manoj Bajpai and Sarah Thompson. The film took inspiration from The Mahabharata and Mario Puzo's 1969 novel The Godfather.[79] Set in Bhopal, the film described a fiercely-fought election campaign by two parties attempting to seize power with manipulation, corruption and treachery. Although there was media speculation before the film's release that Kaif's character was based on Sonia Gandhi, the actress denied this. In preparation for her role as Indu (a politician loosely based on Draupadi), she watched Priyanka Gandhi's election campaign videos to study the body language and interaction of politicians.[80][81] The film received mainly positive reviews from critics.[82] Rajeev Masand found Raajneeti "thrilling and gripping", though Namrata Joshi was more critical and expressed her disappointment over the film's depiction of women.[83][84] Nikhat Kazmi considered Kaif's performance to be "carefree and camera-unconscious" and wrote that she "seems to slip into the high-powered shoes easily".[85] The film was highly successful at the box office, receiving a total collection of ₹1.4 billion (US$21 million).[56][86]
Kaif collaborated with Akshay Kumar for the sixth time in the slapstick comedy Tees Maar Khan (2010).[87] For her role as an aspiring actress, Kaif appeared in a popular item number titled "Sheila Ki Jawani". The song was choreographed by the film's director Farah Khan and for the belly dancing portion of the song, Kaif was trained by expert Veronica D'Souza.[88] "Sheila Ki Jawani" was often compared to another item number released the same year "Munni Badnaam Hui" from Dabangg.[89] Despite the song's popularity, Tees Maar Khan was panned by critics and underperformed at the box office.[90][91] Kaif's portrayal was not well received; Renuka Rao of Daily News and Analysis said that her "drama queen act is performed ... poorly", but noted that she "does full justice" to the item number.[92]
Kaif with Hritik Roshan (left), Abhay Deol and Farhan Akhtar (right) promotingZindagi Na Milegi Dobara in 2011
The following year, Kaif was paired with Hrithik Roshan in Zoya Akhtar's coming-of-age dramedyZindagi Na Milegi Dobara.[93] The film narrates the story of three friends on a bachelor trip, and how the workaholism of one was overcome with the help of Laila (Kaif). The film was a critical and commercial success.[94][95] Richard Kuipers of Variety commented that she is "delightful as the sweet-natured girl who inspires everyone to look in the mirror and do something about it".[96] Zindagi Na Milegi Dobara was one of the most awarded films of the year and received numerous Best Film accolades.[97]
Kaif then featured in Yash Raj Films' romantic comedy Mere Brother Ki Dulhan (2011) with Imran Khan and Ali Zafar,[98] She was cast as Dimple Dixit, a "talkative", "unpredictable" girl, a role she described as challenging as the character's personality contrasted with her own.[99] While the film earned mixed reviews, Kaif was generally praised for her portrayal.[47][100] The book Mother Maiden Mistresscalled Dimple one of the more interesting female characters of the year and Gaurav Malani of The Economic Times said the film was watchable because of "Katrina's live-wire energy wherein she never goes overboard and keeps bustling with vivacity through the runtime".[101][102] For this performance, Kaif received her second Filmfare nomination in the Best Actress category.[75]

Recent work (2012–present)

In 2012, Kaif appeared in "Chikni Chameli", an item number in Agneepath that incorporated dance steps from the Lavani genre (a Maharashtrian folk dance). The song was filmed over a ten-day period[103] and, according to the actress, "It was hard work. It was very fast and it was not a style I was used to, but I took it as a challenge".[104] Kaif appeared next in Kabir Khan's espionage thriller Ek Tha Tiger as a Pakistani ISI agent who falls in love with an Indian RAW agent. Shubhra Gupta of The Indian Express wrote about her performance: "Katrina is an able, animated foil to Salman, her long legs making her leaps and kicks credible".[105] The film received predominantly positive reviews, with Aniruddha Guha of Daily News and Analysis calling it "smart and stylish".[106][107] With worldwide earnings of ₹3.1 billion (US$46 million), Ek Tha Tiger was the highest-grossing Bollywood film of the year.[108][109]
A man in a suit is interlocking arms with two women. The woman on the left is wearing a blue one-shouldered gown with her hair up, while the woman on the right is wearing a gold sari (South Asian attire) with her hair down.
Kaif (middle) with Anushka Sharma and Shah Rukh Khan at a promotional event for Jab Tak Hai Jaan, 2012
That year Kaif also appeared with Shah Rukh Khan and Anushka Sharma in Yash Chopra's swan song, the romance Jab Tak Hai Jaan.[110] About working with Chopra, she remarked that he "undoubtedly is the king of romance and I have always admired the way he presents his heroines. It was always a dream to work with him and the reality is even better".[111] She played Meera, a woman who promises God to end her affair with her comatose lover if he survives. Although the film received mostly positive reviews, Kaif's performance had a mixed reception.[112] CNN-IBN wrote: "Meera's role was a difficult one and Katrina falls short in emotional scenes. It seems Katrina still doesn't feel very easy in front of the camera and has difficulty with complex expressions".[113] Commercially, the film proved a box-office hit with revenues of ₹2.11 billion(US$31 million) worldwide.[114]
In 2013, she appeared briefly with Aamir Khan in Vijay Krishna Acharya's action thriller Dhoom 3.[115] To prepare for her role as a circus performer, she undertook a year-long regimen of Pilatesfunctional training and aerial straps.[116] The film received ambivalent reviews and Kaif was criticised for taking on an insubstantial part.[117] Earning ₹5.42 billion(US$81 million) in box-office receipts, Dhoom 3 went on to become the highest-grossing Bollywood film of all time until it was surpassed by PK in 2014.[118]
Kaif's next appearance was in Siddharth Anand's Bang Bang! (2014), a remake of the 2010 action comedy Knight and Day.[119] She played a bank receptionist who unwittingly gets caught up with a secret agent (Hrithik Roshan). Raja Sen of Rediff.com was disappointed with her performance, describing it as "insufferable".[120] Although the film was commercially successful, financial analysts observed that it failed to meet box-office expectations.[121] In 2015, Kaif's sole appearance was with Saif Ali Khan in Kabir Khan's post 26/11 counter-terrorism drama Phantom.[122]
As of April 2016, Kaif appeared in Abhishek Kapoor's adaptation of Charles DickensGreat Expectations, entitled Fitoor in which she played a role based on Estella Havishamalongwith Aditya Roy Kapur and Tabu.[123] She is filming for Anurag Basu's comedy-mystery film Jagga Jasoos with Ranbir Kapoor and wrapped up Nitya Mehra's love story Baar Baar Dekho with Sidharth Malhotra.[124][125]

Personal life and off-screen work

A man and a woman are standing next to each other and smiling. The woman is wearing a black top, while the man is wearing a white shirt and tie.
Kaif and Salman Khan at a fashion show, 2006
Kaif's personal life has been the subject of extensive media attention. She is reluctant to discuss her romantic life: "I have always believed that there is life before marriage and after marriage. Before marriage ... you are termed a single woman and I choose to conduct that part of my life with absolute dignity and discretion".[126] Although rumours of a relationship with Salman Khan first emerged in 2003,[22] it was not until after their 2010 break-up that Kaif spoke of the affair, calling it her first serious relationship.[127] They have remained friends, and the actress credits Khan with giving her confidence and guidance:[128][129]
He’s had a huge role in my career. There’s no doubt about that. I value his opinion. But as a person, Salman has had the biggest impact on my life. I became friends with him when I was young. And his persona is very strong. If I were to look back and see his impact on my life, it’s been tremendous.[130]
Although Kaif does not own a house in India, she has bought property in London.[131] As a British citizen, she works in India on a visa.[132] Kaif has a close relationship with her family, and the lack of a father figure in her life has given her a sense of responsibility towards them.[133] While Kaif's mother is Christian and her father is Muslim, Kaif was brought up to practise all faiths and says she is a "firm believer in God" and wears a Tawiz for her protection.[134][135] The Times of India reported in 2009 that she visits Sufi shrine Dargah Sharif before her films are released.[136]
A medium shot of a woman dancing amid several other women. The woman in the centre is dressed in a black and silver outfit, while the women around her are dressed in pink and black clothing.
Kaif performing at the Global Indian Film Awards, 2006
Kaif is involved with Relief Projects India, a charitable trust run by her mother which rescues abandoned baby girls and works to prevent female infanticide.[137] Kaif's winnings from the game shows 10 Ka Dum and Kaun Banega Crorepati were donated to her mother's Mercy Home orphanage.[138] In 2009 and 2010, Kaif also walked the ramp for charity as part of Salman Khan's "Being Human" show.[139][140] To raise funds for a new school in Madurai she recorded Rhyme Skool, an album of nursery rhymes composed by A. R. Rahman.[141][142] In 2011, Kaif visited sepoys in Jammu as part of NDTV's reality program Jai Jawan.[143] The following year she visited the Cancer Patients Aid Association to gift cancer survivors and increase public awareness of breast and cervical cancer.[144]
Kaif has also performed onstage, participating in Shah Rukh Khan's "Temptations Reloaded" world concert tour in 2008. Also featuringKareena Kapoor and Arjun Rampal, the tour began in Amsterdam in June and ended four months later in Dubai's Festival City Arena before an audience of 15,000.[145][146] Kaif rejoined Shah Rukh Khan for his 2013 "Temptations Reloaded" concert in Muscat, performing to an audience of over 18,000.[147]
She performed with Akon at the closing ceremony of the 2009 Indian Premier League at the Wanderers Stadium in Johannesburg,[148]and joined Shah Rukh Khan, Deepika Padukone and Pitbull in Kolkata for the opening ceremony of the 2013 IPL season.[149] Kaif has also performed at awards ceremonies. In 2006 Kaif performed at the Global Indian Film Awards and danced to songs from Race at the 2008 IIFA Awards in Bangkok.[150][151] She also performed at the 55th Filmfare Awards in 2010 and the 2013 Zee Cine Awards, both in Mumbai.[152][153]

In the media

A woman dressed in Indian clothing is looking away from the camera.
Kaif walking on the ramp forYash Chopra, 2013
According to an India Today article, despite her dissimilarity to a conventional Bollywood heroine, Kaif "turned every adversity into opportunity and climbed the slippery pole of stardom".[6] Although she is one of the most commercially successful actresses in contemporary Bollywood, she has received mixed reviews for her acting prowess.[154] Writing for Firstpost, Anuya Jakatdar wrote that Kaif needed to "take on role[s] that actually challenge her" instead of "coasting on her co-star’s box office appeal" and criticised her inclination towards glamorous roles.[155] Kaif's dancing ability is better appreciated, with Meena Iyer of The Times of India calling her "one of Bollywood's best dancers".[156] Kaif's Bollywood success has sparked an influx of foreign talent hoping to establish themselves in the industry.[6]
Kaif is cited in the media as one of India's most beautiful celebrities, and has ranked highly in polls choosing the most attractive Indian celebrities. Kaif was named the "World's Sexiest Woman" by FHM India five times from 2008 to 2013,[157][158] and appeared on Verve's list of most powerful women in 2009 and 2010.[159][160] The UK magazine Eastern Eye called her the "Sexiest Asian Woman" from 2008 to 2010, and again in 2013.[161][162] Kaif was named The Times of India's "Most Desirable Woman" in 2010, and was later ranked second from 2011 to 2013.[163][164] The Indian edition of People described her as "India's Most Beautiful Woman" in 2011 and three years later she topped Maxim India's "Hot 100" poll.[165][166]
Kaif is a celebrity spokesperson for a number of brands including Slice, Nakshatra, LuxPanasonicLakmé and L'Oréal.[24][167][168] The Economic Times ranked Kaif India's second most prominent endorser in 2012.[169] Hindustan Times reported in 2014 that she received₹50 million (US$740,000) to ₹60 million (US$890,000) for each endorsement, making her one of India's highest-paid celebrity endorsers.[170][171] In 2013, Kaif was ranked ninth on Forbes' list of India's best-known entertainers with an estimated annual income of₹637.5 million (US$9.5 million).[172] In 2010 and 2011, Mattel released two sets of Barbie dolls inspired by Kaif.[173][174] In 2015, a wax figure of Kaif was installed at Madame Tussauds in London.[175]