February 22, 2018

How to Solve Personal Hotspot Missing in iphone

For the last few hours I was trying to figure out how to Solve Personal Hotspot Missing in Apple iphone. Personal hostspot is used to connect internet using mobile data of iphone via USB or wifi to your computer and other devices. My iphone 5 was not showing personal hotspot so I was unable to connect to internet in laptop. The below method can be used to show personal hotspot in Apple iphone 5, iphone 5s, iphone 6 and iphone 6s.

To show missing personal hotspot, add a Access Point Network [APN] for personal hotspot. Thats it. Next time when you activate mobile data, a personal hotspot button will appear and ask you set up the personal hotspot.

solve missing personal hotspot in iphone

How to Add APN for personal hotspot in iphone 5

Go to setting > Mobile Data > Mobile data options > Mobile data network > Scroll dow to see Personal Hotspot > Add APN of your Mobile connection. APN will be different for each mobile connection. For BSNL [Cellone], it is bsnlnet. You need to find out the APN for as per your connection for Airtel, Idea, Gio, Vodafone etc. A quick Google search can help you in finding the correct APN for your connection.

For BSNL users

Go to Settings, mobile data, mobile data options, mobile data network, scroll down below and add "bsnlnet" without quotes as APN under Personal Hotspot.

Disconnect mobile data and connect again.

IPhone signals lost when try to connect to Internet

Sometimes when you try to connect back, the 3G sign will come momentarily and then signals get lost. Then you will get a "Could Not Activate Mobile Data Network" message. In that case press OK. and wait for 1-2 minutes. Then press airplane mode on and off. Repeat this procedure for 3 times and off the airplane mode and activate data when you get signals. You can keep doing it till you get network and internet.

Personal hotspot will activated only if you enter APN in the settings. Apple iphone missing hotspot can be solved with this step by step guide.

Best Family Health Insurance Plans in India 2018

Health insurances are offered by General Health Insurance Companies. There are very important factors that you should take into consideration before purchasing a health insurance policy for your family. Here is a comparison of all the Family Floater Health Insurance Plans of insurance companies and step by step guide to decide best family floater health insurance plans in India 2018. This post will help you to choose the best family health insurance plans in India 2018 covering major factors.

Advice:  Believe only the policy terms and conditions document. Not the sales lady, not the brochure, not the product web page.

Why Family Floater Health Insurance Plan 

Always go for a family floater plan as it will cover the entire family. Otherwise you will have to buy individual health insurance plans for all family members each. It is hard to find one-size-fits-all health insurance plan to suit all your needs. You may have to find the best plan by checking some major factors such as claim settlement record, co pay, room rent, post hospitalization expenses, critical illness coverage etc. I will explain them here.

Best Family Health Insurance Plans in India 2018

Number of Family Members

Majority of the family health insurance does include all the family members. But the number of adults and number of children will mentioned in the plan and you can only include that much. As per Apollo Munich family floater policy, a policyholder can include spouse, dependent children, dependent parents, parents-in-law, grandparents and grandchildren. A maximum of 2 adults and a maximum of 5 children can be included in a single policy under a family floater plan. You may have to one more policy to include more adults.

Source: apollo munich

Maximum and Minimum Entry Age

The plan will mention maximum and minimum age of the family member to get included in the policy. This is called Entry Age. Majority of the policies provide 18-65 or 18-60 age for adults and 3 months - 18 years for children.


Identify the number and age of family members.
Check the insurance company website to see the maximum and minimum entry age.

Cashless Hospital Network

If you are staying in a semi rural area with few hospitals around that are not covered by the health insurance company, then you may end up paying for hospital costs. Always go to the health insurance company websites and check which are the hospitals available under that company. You can use the locators in the websites of the companies to check the hospitals covered.  I was planning to purchase a health policy from HDFC Ergo. I used the locator of HDC Ergo and found out there are only two hospitals covered under it in my area. Use Hospital Coverage Network of Max Bupa for that.

Cashless hospital will provide you facilities without paying a single penny from your pocket. They will charge the amount directly from the insurance company. Check how many cashless hospitals are there in the insurance company coverage. You can check them by going to the insurance company website and check for hospital coverage.


Identify major hospitals in your area where you will go for treatment.
Go to Insurance companies website
Check the hospital coverage network details.

Max Bupa family health insurance hospital coverage

Max Bupa family health insurance hospital coverage

Minimum Waiting Period for pre exiting illness

Read the policies carefully to find out the minimum waiting period of any previously exiting illnesses of any of your family members. Some policies says that if you have XXX illness, you will have to wait for 4 years to apply for insurance coverage of that illness.

Claim Settlement Record

You can check the claim settlement record of the company to see whether the claims are settled or rejected.

There are many more factors to be checked and verified before purchasing a health insurance. It is not a 2 minutes task. I will be adding more details to this post.

February 21, 2018

How to Do Investment through myCAMS Online

Here is step by step guide process to do investment through CAMS online website. myCAMS is a free portal where you can invest money in mutual funds from many mutual fund houses [AMCs]. This post will show you how to do investment through myCAMS online portal and start investing in mutual funds.

What you have already done

Select A Mutual Fund to Invest.
Do KYC or eKYC through Mutual Fund House or through myCAMS.
Have original cancelled cheque leaf with your name preprinted and signature.


i) Investors need to be KYC compliant for Mutual Fund transaction. You can do eKYC with AADHAR if you are receiving OTP number in your mobile.

ii) If you are not KYC compliant, you can complete KYC using Aadhaar based eKYC after submission of Basic Details below. You will need to upload your signature image if in case you wish to invest or redeem through paper-based request. 

iii) SEBI circular currently permits investment of Rs 50,000/- per Financial Year per Mutual Fund for Aadhaar based eKYC using OTP verification. 

iv) You will need to upload an image of a signed and cancelled cheque with your name pre-printed in order to complete new folio opening. 

v) Please enter details of your purchase transactions here and refer SID/SAI of the respective scheme(s) of the Mutual Fund for more details on NAV applicability. 

vi) Please note that NAV applicability and allotment of units for investment(s) in Liquid schemes and for single/cumulative investment(s) =/>Rs. 2 lakhs in other schemes, is subject to realization of funds by the Mutual Fund. As per respective banking norms, online transfer of funds to the respective MF account might take a minimum of 2 hours to max of T+2 days for realization. 

Go to MyCAMS website

Enter Basic Details

Mutual Fund Name *
Date of Birth (DOB)*
Payment Type*
Bank Name*
Mode of Holding*
Tax Status*

Investment through myCAMS Online

You will receive OTP in mobile number. If you have not received it, select Receive OTP via call. Enter OTP and select Continue.

Enter Personal Details

Investor PAN*
Email ID*
Investor Name*
Mobile No.*
Date of Birth*
Telephone No.(Off.)
Office Number
Telephone No.(Res.)

Enter Investment Details

Select Scheme under the Asset Management company that you selected in the basic details. If you have selected SBIMF in the basic details, you can only invest in SBIMF fund and not any other funds from other AMCs. Select the scheme and the fund.

Enter Payment Details, add original cancelled cheque leaf with investor name preprinted and signature and start investing through myCAMS online.

You can download the myCAMS mobile app to manage the investment portfolio in your mobile phone. This service is complete free of cost.

February 20, 2018

How to Update or Change AADHAR details Online and Offline

This post provides Step-by-step guide to update/change/check/correct Mobile No, email id, name, Address, date of birth, gender details via Aadhar self service update portal of uidai online and sending aadhar card correction form offline or by visiting enrollment center with Hindi and English versions of aadhar card correction form.

Why AADHAR linking is Needed

You may need to connect your AADHAR with the following services before 31 March 18 to avoid further issues.

aadhar linkage link to accounts, demat, gas subsidy

Problems in AADHAR Details

I have been searching Internet for the last two days on ways to change AADHAR data. I ended up wasting time by reading similar articles that describe only online methods of changing Aadhar details and I was unable to do. The UIDAI website throw up errors like below.

ssup.uidai.gov.in refused to connect

uidai.gov.in took too long to respond

I wanted to know how we can change change details offline.

Here is a consolidated post on how to update or change aadhar data. I would request you to share this post to as many people as possible because I hope you know the pain behind finding solutions on AADHAR correction and updating.

How To Change Mobile Number Via Aadhar self service update portal and uidai aadhar update via post

You can check the article here to do that. - Economic Times

AADHAR Correction form for changing email, name, date of birth and address to send via post to UIDAI office. Download from here.

How to change mobile number Offline Through Enrollment Center

Note: You cannot change mobile number by sending the aadhar card correction to UIDAI office. You only change email, name, date of birth and address with it. You can change mobile number via online if you are receiving OTP.

If you are not receiving OTP, you have to go to the nearest permanent enrollment center to change mobile number. You cannot do aadhar card correction online without getting OTP in the registered mobile number.

Fill the AADHAR correction form

You need to download the AADHAR correction form. Fill the form correctly and add all the information. I got this from a local enrollment center and I scanned it. I do not have the English or any other language Version.

AADHAR correction form

Download the form

Find Nearest Enrollment Center

Find Permanent Enrollment Center by going to UIDAI website here. Select State, District, Village and check the map to see the place. You can also check with local people to see if any ADHAR updating is done nearby. You can go to any enrollment center anywhere in India even if out of state to change information in AAdhar.

Go to the Enrollment Center

Take filled AADHAR correction form and photostat or original AADHAR Card and go to the nearby AADHAR Enrollment Center and tell them what need to be changed. They will ask you to put 4 fingers in the bio metric machine, take your photo,  scan your AADHAR correction form and ask you to verify the entered data. Once you verify it, you will be asked to pay 25 Rs. They give you a receipt of the payment with a request number. The process of updating AADHAR form is over.

Note: You only need the filled correction form and copy of aadhar card to do the changes. No need to take voters id, photos or any other certificates.

It may take twenty days for your information to be reflected in online status and may take up to ninety days for the AADHAR generation and update.
Verify the Updation
After 2 days, go to UIDAI website here. Add Enrolment ID, date and time and Security Code. You can get the Enrolment ID and date and time in the receipt you got from Enrollment center.

Download updated AADHAR cerificate

GO to UIDAI website link here. Enter necessary details and OTP number.  One Time Password would be sent to your registered mobile number. Select Validate and Download. To open the AADHAR certificate, use first four capital letters of your name and your birth year as password. Eg: If name is AKHIL and birth year is 1987, then use AKH1987 or AKHI1987.

Share this post to as many people as possible

February 19, 2018

How to Lend Money to a Friend and Get it Back

We all lend money to friends and most of the time we get it back also. There are some cases where money given to friend is not returned properly and you may have gone though great efforts legally or by force to get it back. What are the things that you should take care before lending money to a friend and ensure to get money back from a friend legally. This post will provide you how to lend and recover money from a friend to avoid issues like someone borrowed money not returning, legal advice to get money back and sue your friend.

lend money to a friend

How do you make a decision on Lending Money To Your Friend?"

I remember an old joke.

Employee ask boss: How do you take a decision on money matter?

The boss replies, " I toss a coin, and when the coin is in the air, I know the decision which I need to take."

You ask your heart. If you are going through a struggle and want some money, will this person give you that.

Assess his savings, assets and his past history of giving money back to the lenders.

Steps to Lend Money to a Friend

Take a paper and pen. Plain paper is good enough. Stamp paper has no relevance, if you do not register it. Write a summary of the friendly loan, you, witness and your friend to sign it and your friend offers you post dated cheque or undated cheque. A bounced cheque is grounds for a police complaint, per the negotiable instruments act.

You can ask for a post dated cheque if the friend tell you that he will pay you back in a time frame. Otherwise get an undated cheque.


Subject: Friendly Loan

This agreement, for a short term is to document a friendly loan between ...Name.... (mobile number / PAN number XXXX) and (Friend's name), where, (Friend's Name) has approached .....name..... for a short term friendly loan, to meet some personal expenses, mainly related to [Refinancing an existing loan / Pay for Medical expenses / Clear an existing Mortgage].

The amount being lent, as a friendly loan, that bears no interest is {Numbers / Words}. Friend's name has provided security in the form of a cheque, drawn on {Bank's name}, bearing number XXXXXXX with a promise to honour it before {Date, Month and Year}.

This agreement is made in good faith on this day, witnessed by __________ (Mobile / Pan number)


The cheque, where the amount and the beneficiary (your name) should be clearly written in his / her handwriting, incorporate the cheque by reference, by mentioning it in the document.

Transfer the money to the person' account and do not pay cash. You can use NET Banking for that. You will get a receipt Number in NEFT.

Ensure that you maintain a trail. If it is not too indecent, get it witnessed (optional).

Make 2 copies and give him one. When the repayment is done, destroy the document and the cheque.

This way you can ensure that you are serious about the money given and your friend will also get the serious vibe from you. Please share for others who are confused on how to lend money to a friend in emergency cases.

February 14, 2018

More than 100 Awesome Chrome Shortcuts You Must Know

Learn all the shortcuts in Chrome Browser and become a pro at using Chrome. These shortcuts include chrome go back shortcut, change chrome keyboard shortcuts,  shortcut key for clearing history and chrome refresh shortcut mac. This post will share details on google search keyboard shortcuts, how to switch between tabs in chrome windows, close tab shortcut windows and close tab chrome.

More than 100 Awesome Chrome Shortcuts You Must Know

Open a New Tab - CTRL + T

Close a Tab - CTRL + W

Reopen Closed Last Tab - CTRL + SHIFT + T

See other tabs - CTRL + Tab

To Type in URL Tab - CTRL + L

Erase the Current URL - CTRL + Backspace

Highlight Words in URL - CTRL + > or CTRL + <

Reload Current page - CTRL + R

Open the Search Bar - CTRL + F

To Bookmark a page CTRL + D

Open Downloads Page - CTRL + J

Open New Window  - CTRL + N

Other Awesome Chrome Shortcuts You Must Know

Copy the commands highlighted in bold and paste in chrome browser where the website URL is present and then press enter.


  • Copy the command.
  • Press CTRL + T
  • Press CTRL+ V
  • Press Enter
  1.  chrome://chrome-urls/ -  Find out all Chrome URLs
  2. chrome://settings/ - To access Settings
  3. chrome://version - To Know Version of Chrome Browser
  4. chrome://bookmarks - Accessing Bookmarks
  5. chrome://accessibility - Accessibility features in Chrome are off by default and enabled automatically on-demand.
  6. chrome://appcache-internals - Application Cache
  7. chrome://apps - Applications installed in Chrome
  8. chrome://blob-internals
  9. chrome://bluetooth-internals
  10. chrome://bookmarks
  11. chrome://cache
  12. chrome://chrome
  13. chrome://chrome-urls
  14. chrome://components
  15. chrome://conflicts
  16. chrome://crashes
  17. chrome://credits
  18. chrome://device-log
  19. chrome://devices
  20. chrome://dino
  21. chrome://discards
  22. chrome://dns
  23. chrome://download-internals
  24. chrome://downloads
  25. chrome://extensions
  26. chrome://flags
  27. chrome://flash
  28. chrome://gcm-internals
  29. chrome://gpu
  30. chrome://help
  31. chrome://histograms
  32. chrome://history
  33. chrome://indexeddb-internals
  34. chrome://inspect
  35. chrome://interventions-internals
  36. chrome://invalidations
  37. chrome://local-state
  38. chrome://media-engagement
  39. chrome://media-internals
  40. chrome://nacl
  41. chrome://net-export
  42. chrome://net-internals
  43. chrome://network-error
  44. chrome://network-errors
  45. chrome://newtab
  46. chrome://ntp-tiles-internals
  47. chrome://omnibox
  48. chrome://password-manager-internals
  49. chrome://policy
  50. chrome://predictors
  51. chrome://print
  52. chrome://quota-internals
  53. chrome://safe-browsing
  54. chrome://serviceworker-internals
  55. chrome://settings
  56. chrome://signin-internals
  57. chrome://site-engagement
  58. chrome://suggestions
  59. chrome://supervised-user-internals
  60. chrome://sync-internals
  61. chrome://system
  62. chrome://taskscheduler-internals
  63. chrome://terms
  64. chrome://thumbnails
  65. chrome://tracing
  66. chrome://translate-internals
  67. chrome://usb-internals
  68. chrome://user-actions
  69. chrome://version
  70. chrome://view-http-cache
  71. chrome://webrtc-internals
  72. chrome://webrtc-logs

For Debug

The following pages are for debugging purposes only. Because they crash or hang the renderer, they're not linked directly; you can type them into the address bar if you need them.
  1. chrome://badcastcrash/
  2. chrome://inducebrowsercrashforrealz/
  3. chrome://crash/
  4. chrome://crashdump/
  5. chrome://kill/
  6. chrome://hang/
  7. chrome://shorthang/
  8. chrome://gpuclean/
  9. chrome://gpucrash/
  10. chrome://gpuhang/
  11. chrome://memory-exhaust/
  12. chrome://ppapiflashcrash/
  13. chrome://ppapiflashhang/
  14. chrome://quit/
  15. chrome://restart/
Hope you liked these shortcuts.

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