5 Reasons to Learn HTML and CSS

HTML, short for Hypertext Markup Language, refers to the markup language for creating web pages. It is complemented by the Cascading Style Sheets or CSS (cascading style sheets), a language used to define the presentation of a document written in HTML.

It is normal that most of the people who want to enter the worlds of web design are the ones who mostly want to learn HTML and CSS. But just because you don’t want to dedicate your working life to web design doesn’t mean that you can’t learn them too. Learning HTML and CSS can help, let’s see why.


Whether it is a personal website or for your business, having your own website gives you an online presence and a certain degree of professionalism. You will have a site to point your contacts to and since you are the one who fully controls the content, you will be able to transmit the type of image you want.


Most modern web browsers incorporate developer tools with which we can make simple changes, such as altering the text on the page, colors, images, or whatever comes to mind. These changes are only visible on your PC, allowing you to create a learning environment without damaging the actual website. Tools like this are great for learning and finding out if you are interested in these types of technologies.


If you have a blog or write to one from time to time, you know what I’m talking about. It is totally true that we can use text forms to introduce the elements that we want to talk about, but absolute control of the content there is no other way to obtain it if you cannot write in HTML.

Sometimes we copy content from Word or another source, and it comes with weird or broken styles that need to be fixed by editing the code. This applies to blogging and many comment systems on other web pages, where they allow us to use HTML tags to leave our words with a specific format.


Many pages have the option of sharing a part of the content on other websites, such as YouTube, which we have already talked about previously. Being able to edit the way other people will see your content can help us. For example, we may want to share a few specific seconds of a video, or we simply want the player to match the web that surrounds it.


Once we know a bit of HTML and CSS, we may want to give our web page a little interaction, for which we will learn JavaScript, for example. So we may want the content to be dynamically generated and able to save certain information so that we will look at PHP and MySQL or any other alternative. Later, maybe

We want to make an android application of our page or web application that we have designed, so we will read something about Java if it is for Android. At one point, maybe we would like our application to work independently of a web browser, that is, a desktop application.

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How To Choose A Fixed Deposit Account

A fixed deposit account needs to be chosen carefully based on a large variety of factors that can affect our earnings. By making cautious decisions and not hurrying into choosing the first fixed deposit that comes our way, we can enable our fixed deposit scheme to provide us with a lot more returns than expected. This option is one of the very rare few that allow us to invest our money, get assured returns and experience absolutely no risks. With a large number of banks and finance companies providing us with this option, we can now easily find a scheme that gives us the best returns. There are a lot of features to consider while selecting the best fixed deposit scheme for ourselves; hence, make sure that you know what to look for and then make the right decision.

The first thing to do is to find all the reputed banks/finance companies that are offering this option to customers. There are a lot of banks around the world that allow you to avail this facility; the trick is to find that one option that’s not only an attractive scheme but is also from a trustworthy and reliable lender.

One needs to decide how long they want the fixed deposit term to be. Start by looking for banks/financial institutions that offer schemes for the time period that you’re comfortable with and start narrowing down your options. It’s important that you choose a term through which you can invest the money and will not need to withdraw it; a fixed deposit does not allow you to easily withdraw your money in the middle of the scheme.

The next thing to do is to figure out how much you can easily afford to invest. The range for investments is varied and can go from two thousand to over two lakhs depending on the kind of amount you’re comfortable with. Budget your expenses and only then finalize the amount to be deposited to ensure that you don’t fall short of funds.

The next obvious step is to find a kind of plan that offers you the highest interest rates possible. Different fixed deposit accounts provide different interest rates depending upon the category of the audience that they’re catering to. Speak to the bank/finance company and other experts to understand the best option for you.

Choosing fixed deposit schemes can be considerably easy once you know how to go about it. Make sure that you don’t lose out on the best by keeping all these points in mind.

Can You Always Afford Floating Home Loan Rates?

This is one question that many people consider closely. Floating home loan rates, for the most part, are a major concern for potential home loan customers for two main reasons:

• Wider market affects the interest rates.

There are several aspects that determine the floating interest rates for housing loans. Select organizations play a key role in influencing them; such as the Reserve bank of India, International and Local markets such as NASDAQUE or BSE, etc. How do they actually affect the home loan interest rates? The RBI can change the rules and regulations, which in turn will affect the banking operations. Fluctuations of the money market can affect the entire economy, which in turn affects the availability of funds and the housing loan interest rates for customers .

• There can be potential threats.

You cannot anticipate these changes. Worst of all, you cannot control them. If your interest rates lower, you will be happy as a customer. However, if there is, for any reason, an increase in the home loan rates, most consumers may not be in a position to afford the growth in the EMIs easily. The bottom line is, when you choose floating interest rates, you consent to the possibility of these fluctuations.

So, the reality is that it can be a hard road ahead. When you opt for a home loan, the typical tenure of the loan is 20 to 30 years. No one can anticipate the long term changes in the RBI policy, the Indian economy or the lending policy of your lender. You are taking a risk – the size of the same depends on you, though.

How to afford floating rates for home loan?

While it is a risk, the rates are manageable too. Home loan rates in India are always going to vary. Hence, you must take certain strategic actions to stay ahead of the game.

• Ask for the strategic housing loan duration and the interest rate. You should negotiate the details well enough so that your EMI is 30% of your monthly earnings.

• Use the no-prepayment changes clause to your advantage and repay the largest part of your loan when you can.

• Do not ignore better interest rates during the first 5 to 10 years of the home loan duration. If a lower interest rate opportunity is available, then go for a home loan balance transfer. It is a great decision in the long term.

• Understand that there is a possibility of a home loan rate hike over a period of 5 to 10 years. You must stay ahead of this potential landmine by increasing your earnings by investing your savings into the right financial products.