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5 Brilliant Ways to Improve Your English Speaking Skills

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Improve Spoken English , Learn english tutorial online, how to speak english fluently

When it comes to learning something new, people often fall for coaching and online tutorials. If you want to improve spoken English skills and learn basic business English conversations, spoken English tutorials available on YouTube can help you initially, but listening and watching isn’t enough to improve your communication.

If you wish to speak English fluently you will have to practice it daily in real life conversations. The only way you can learn a new language is when you start speaking it. English is a language of business and professional communication in India. Many deserving candidates lose out on job opportunities because of their vernacular accent. When it comes to draft a killer e-mail or to submit the assignments in college, you can easily buy essay from online essay-writing portals, but when it comes to deliver a speech or when you have to impress your boss-to-be in an interview, you have to be fluent at spoken English.

How to Improve Spoken English skills in a month

Forget the fear: The main problem with most people who find it difficult to speak English fluently is that they lack confidence and they have a fear that they might commit mistake and will be laughed at. But unless you start practicing English communication how would you know where you are going wrong and where you need to improve?

We all make mistakes and the only way to learn is to practice and have others correct us. Start with what you know and soon you will be learning new things you never knew. Unless you start speaking a language you can never learn it.

Improve Spoken English , Learn english tutorial online, how to speak english fluently

Think in English: When talking in the English language, many of us tend to think in our native language and then translate it in mind, and make a check again while speaking out. If you think in Hindi and try speaking it after translating it in English, the process takes much time and you cannot communicate with anyone if you take too much time uttering your words.

Improve your vocabulary and word power: Improve your vocabulary to improve your communication. Set a goal to learn 5 new words everyday, then after 6 months, 150 new words will be added to your vocabulary. Any good orator uses 2500-3000 words in his common conversations, hence reaching this goal won’t take much time if you set a goal to learn something new every day.

Google avails a brilliant way to search the meaning of new words. Just type ‘define’ before the word, and it will give an instant reply suggesting its synonyms and an example on how to use it in a sentence. Apart from learning new words, also learn new phrases and slang famous on the internet like the meaning of swag, selfie, bae.

Websites like Thesaurus and Urban Dictionary can help you learning new phrases and slang. For example, if you search “meaning of Brutally Honest” then head to Urban Dictionary and find its meaning and how it is used in popular English. Another thing you need to remember is, sense of the slang doesn’t mean the same in your native language.

For example, if you use Brutally Honest in English, it simply means a candid opinion without sugar-coated words, but if you find its meaning in Hindi or Punjabi it will result something weird. So, when you search for the meaning of Brutally Honest, don’t forget to search Brutally Honest in Hindi too, same with other words and slang.

Just like this example, synonyms are also tricky. “Sink” is synonymous with “fall” but you cannot use sink to replace fall – Ashima was skating on the ice rink and then she sank in ice – makes no sense. Make a list of such new words as and when possible and try to use these words when you are communicating in English. This helps you to make your language grow rich.

Use the digital media to learn spoken English: Read English books, newspapers and magazines. If you are a movie buff, watch Hollywood movies with subtitles, old idea.. huh? Let’s add a twist and make it interesting. Watch a Bollywood Movie with English subtitles. Cool!!

The more you hear the more exposure you get to new words to add on to your vocabulary and you get more familiar with the pronunciation and ‘ intonation of different words.

Practice with other English learners: Find a friend who is also interested in improving spoken English so that you can practice together, correct each other and learn together. There are many spoken English tools available online too. Another thing you can do is to Record your own voice and listen to it. This will help you gain confidence and work on your mistakes.

By inculcating certain practices in your daily life, you will get closer to sound like a native English speaker and equip yourself with a global accent and you will not be speaking American or British English, but correct English.

Also read: Genius Yet Easy Ways To Learn English

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Education

What Is CIBIL Score and How It Is Calculated!

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Improve Credit Score, cibil score improve, document for sibil score, pan card not working credit score, documents for credit card

Till now, you had to spend Rs 500 to Rs. 1200 to know your credit score or CIBIL score, but do you know, now you can check your CIBIL score for free? Yes! You can check your credit score on the official website of Credit Information Bureau, without spending a single penny and can quickly know that as per your CIBIL score, at what interest rate and monthly EMI, you can take the loan from the bank.

Why good credit score is important: In the recent years, almost every bank has changed its policies and added a clause for good credit scorers. According to it, good credit scores will not only help in getting the loan on easy EMI terms, but also will assist in getting concessions in interest rates. For example, People having CIBIL score more than 760 in home loans for Bank Of Baroda, will get the loan at 8.35% interest rate only.

If your CIBIL score is not good, then you may face hurdles in getting your loan approved. As per the latest policies regarding credit score, if your previous loan repayments and the transaction record is stable, then the bank can even lessen your monthly EMI.

Frequently asked questions about Credit Score: Due to lack of the proper information regarding credit score, many people have doubts regarding it, like, what is CIBIL Score, how much CIBIL score is considered good, how to check CIBIL report online and how to improve credit score?

There would be many who need to know how credit score is calculated, if one has done negligence in previous transactions and loan repayments how to handle this situation of lousy track record. Here, in this article, we are bringing an answer to each of these questions & that too in straightforward words so that you can understand each term easily.

If you still have any query to ask or have valuable information about CIBIL score to share with our readers, then you can post it in the comment section at the end of this article.

What is a Credit Score?

Credit score analysis, credit score check online, sibil score online calculate, credit card issue guideline

How does CIBIL Bureau work: Trans-Union Credit Information Bureau India Limited (generally known as CIBIL) is India’s first ever credit information company, which keeps the transaction record of loans and credit cards, as provided by the banks in India.

CIBIL keeps the record of all reputed banks, creditors, commercial bodies and not only this, more than 2400 financial institutions are part of it. CIBIL maintains a complete record of above 550 Million accounts & credit records worldwide. Amazed, right? This huge database is the very reason behind the high credibility of CIBIL credit scoring algorithm.

हिंदी में पढ़ें: सिबिल स्कोर कितना होना चाहिए

These records are submitted by banks and other creditors to CIBIL on a monthly basis, and this information is then used to prepare the Credit Information Report (CIR) of creditors and to decide credit score so that lenders can judge the loan application of person by their financial records.

Why is it necessary to have a good CIBIL score?

Credit/CIBIL score plays a significant role in the loan approval process in any bank. Whenever you fill a loan application form, then the lender bank or the lender company inspect each detail of your credit report regarding your previous loan history. After analyzing your repayment capacity, lenders decide whether to lend you a loan or not. If your credit score is too low, then the lender will immediately deny to give you any loan.

How credit score is calculated: In simple words, CIBIL score presents your credibility in financial dealings, that whether you have repaid the previous loan amount by following the guidelines of the bank timely or not. If you have not paid EMI correctly or have not paid the loan as per the terms and within the stipulated period, then this behavior may add up to a bad credit score and can have adverse effects on your future loan approvals.

How much Credit Score is good?

As per CIBIL, the measure of credit score can be from 100 to 1000 points. Points less than 650, are considered as poor, that means, if your score is less than 650 then you may face difficulty in getting credit cards and loans. On the other hand, points more than 750 are considered as a good credit score. You will not face any hassle in getting loan from various banks or getting the credit card if your score is above 750 points.

Good credit score, how to calculate and Improve credit score

  • Excellent Credit Score: 750+
  • Good Credit Score:700-749
  • Fair Credit Score: 650-699
  • Poor credit Score: 600-649
  • Bad Credit Score: below 600
What would be Credit Score if there’s no credit history

What if you never had a credit card or loan before: If you are applying a loan for the first time or applying for a credit card, then in the column of credit score in CIBIL table, N/A will be written. In this situation, the bank will check out your monthly income, bank statement of the previous six months and by estimating your payment capacity, the bank will set credit card limit or can approve or disapprove your loan.

How to check credit score online?

how check credit score online, cibil score online, improve cibil score, default cibil score improve, sibil score kaise pta krte hain

To know your credit score, go to the official website of CIBIL, https://www.cibil.com/freecreditscore/ and fill your PAN Number, Date of birth, monthly income and other necessary details and then click on submit. After submission, a new page will open up. Here again, you will have to fill your information; however, details regarding PAN card will automatically get filled.

After it, you will get an email from CIBIL, in which you will get a link and password for your CIBIL account. After clicking on the link, you will be directed to a new page, here do login by filling your email id and password that you got in your email. After getting logged in, you will be asked to change your password. After setting the new password, your CIBIL Account will be logged out.

Then, login again with your new password. After login, you will get your credit score. Remember, through this process of checking CIBIL score; you will get information about credit score only. For any further detail, you have to pay fees of Rs. 500 to Rs. 1200.

How to improve your credit score?

Although, it’s not an easy task to improve your bad credit, as it takes a huge time to cover up, yet, your continuous efforts to fix credit score can prove fruitful to you. Here are some essential points, you should consider to improve your credit score:

  • Firstly, thoroughly review your credit report by requesting its free copy. By doing so, you will come to know all the loopholes, errors and other faults. In case of errors in the credit report, you can confidently tell your point to the credit bureau.
  • Make your payments on time & set proper reminders for it. You can enroll to automatic fees and get your loan installments, or EMIs paid on time.
  • Make a proper payment plan, wherein, mention your budget, all accounts, loans taken, their interests, etc. In this way, you come to know about credit with the highest interest & can manage to lessen loans by maintaining the accounts accurately.
  • Don’t put a negative impact by delaying bill payments. If you have neglected it before, then start making bill payments on time. Your these efforts will fade the earlier negative implications.
  • Anyhow, if you are facing problem in setting your credit score, then it’s better to take the help of a credit counselor. This way will help you improve your credit score.
  • Outstanding debt is dangerous. So keep your credit card balances low always.
  • Pay the credit card balance on time. Don’t delay.
  • You can raise your scores, by showing unused credit cards, so don’t close these down.
  • If you don’t need those, then don’t issue new credit cards. More accounts mean less average account age, as it can prove risky for credit scores. So, if you can manage credit within the short span, then don’t open new accounts.

These are pretty hacks to improve your credit score. If you follow these thoughtfully & don’t open new accounts often, make payments on time, don’t leave any outstanding credit card balances, then slowly, you will be able to get your credit report improved.

(With inputs from Komal Singla)

Also Read: How a good credit score is calculated by FICO

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How a good credit score is calculated by FICO

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Good credit score, how to calculate and Improve credit score

People often ask – What is good credit score? In simple words, a good credit score is something that makes you ‘credible’ in the business. Lender use credit score to decide to grant loans to their customers and their credit limits. A good credit score can save your money and lower your interest rates. A credit score of 700 or above is considered good with a range between 300-850. Different lenders define good credit score differently according to the size of organization.

What is Credit Score: A credit score is a statistical method to determine the likelihood of an individual paying back their money he or she has borrowed. A good credit score involves low risk for lenders and investors and the business itself.

How credit score is calculated

FICO score is the measure that is mostly used by lender to determine the risk involved in particular loan. FICO score is created by Fair Isaac Corp. Fair Issac does not reveal exact formula I uses. It operates within the range of 300 to 850 within that range, there are different categories which are :

  • Good credit score, how to calculate and Improve credit scoreExcellent Credit Score: 750+
  • Good Credit Score:700-749
  • Fair Credit Score: 650-699
  • Poor credit Score: 600-649
  • Bad Credit Score: below 600

What makes up your Credit Score

When you borrow money, your lender sends information to credit bureau in the form of Credit report from the information in the credit report, bureau determines credit score based on five major factors. These factors include in credit score calculation, They are not given equal weighting.

35% – Previous credit Performance
30% – Current level of indebtedness
15% – Time credit has been in use
15% – Types of Credit Available
5% – Pursuit of New Credit

These factors are positive for you then you get a good credit score. You can also improve these to get good scores. You can’t assume that your score is good if you met the obligation on time. Your credit rating is checked. You can get your credit score free at Credit.com . This information is provided to you at no cost with your consent.

How Your Credit Score Affect Your Mortgage

How individual with varying credit score will pay dramatically different interest rate on similar mortgage amount. Your credit score affect your mortgage in many ways like.

Score Rate Monthly payment
720-850 5.49% $ 851
700-719 5.61% $862
675-699 6.15% $914
620-674 7.30% $1028
560-619 8.53% $1157

Good credit score gives you leverage to negotiate a low interest rate on your credit card or a new loan. It makes your credit card limit increased. You have more negotiating power. Therefore,To make good credit score you have to maintain low level of indebtedness having a long credit history, make bills payment on times.

(With inputs from Shaweta Narang)

Also read: How To Check CIBIL Score

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