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Legal Documents to Cross Check Before Buying a Plot

One of the options of building a home for yourself is buying a plot or a piece of land and then getting it constructed. The process of buying a plot in India involves the same extent of planning and research as the purchase of an apartment. While affordability and location remain the main factors for finalising a purchase, it is essential to check the legality of the property being sold. The failure to do so can result in you losing your hard-earned money in fraudulent deals.

Documents to Check

The process of buying a plot requires you to check and verify various documents that provide proof of the existence of a plot and its specifications. Other documents proving that the plot is legally owned by the seller also need to be checked before you finalise a deal. Let us look at some essential documents for finalising a plot deal. The absence of even a single document can lead to the rejection of your plot loan in India.

Title Deed – This document is proof that the seller is the owner of the concerned plot or piece of land. The title deed of a property mentions the owner’s name and acts as proof of his authority to sell the plot. You can even crosscheck the authenticity of the title deed with the local authorities.
Mother Deed – This document traces the concerned property’s previous owners and is the original ownership proof. This document is needed when a property has been sold off or gifted or inherited or partitioned. These documents are essential to know the ownership details in sequence, up to the date of the current owner.
Conversion Certificate or the NA Order – An important fact unknown to most buyers is that all land in India is agricultural land unless defined for some other purpose by the government. So, if you are planning to buy a piece of land for purposes other than agriculture, it has to have a NA certificate. The certificate specifies the nature of activities that can be carried out on the concerned land and includes options like commercial, warehouse, resort, IT, and residential. The conversion certificate is issued by the competent revenue authority.
Khata Certificate – Khata which means the account is an important document for the registration of a new plot or transfer of the ownership of the plot to another person. This document is proof that the plot has an entry in the local municipal records and is highly essential for a plot loan.
Power of Attorney – This is needed when the original owner appoints another person to act on his behalf. The certificate shows the owner has legally authorised another person in whose name the power of attorney is, to carry out the transaction on his behalf.
Tax Payment Receipts – Receipts of property and other taxes paid by the owner of a plot are very important and their absence may create problems in the future. This is important because once you buy a property you become responsible for the payment of all the pending dues.
Encumbrance Certificate – This document is proof that the concerned plot is free from any kind of outstanding loans or mortgages.

You should always check with the lenders about the documents that are required to be submitted for applying for loans for a plot. This will save a lot of time and effort besides ensuring quick processing of your plot loan application.

5 reasons to consider term insurance policy this quarter

Life is uncertain and 2020 was nothing short of a reassurance. Not only has the pandemic hampered the various facets of human life. Along with this, it also impacted the economic condition of both – nations and people. This made many individuals question:

What if they do not have enough funds for sudden events
What if something untoward leads to their absence?
How will their family manage the household expenses?
How will they fulfil the short-term and long-term financial objectives?

This is when a term plan comes into the picture. This plan act as an income replacement tool for your family, should anything unfortunate happen to you. And, this plan can be extremely helpful when it comes to dealing with the aftermath of the COVID-19. Let’s see how this plan supports you financially:

Unfortunate Emergencies:

One of the primary objects of opting for this policy is to safeguard your family’s monetary well-being. Nevertheless, with age, your financial obligations increase and may even have milestones to meet. Some of these include buying a new house and car, funding your children’s education, and planning for retirement.

God forbids, should something unfortunate happen to you, term life insurance can come in handy.

Boosts Financial Immunity:

An unfortunate incident can put you in a financial challenge. At such times, your short-term and long-term goals can go for a toss. With this insurance policy in place, the financial corpus which is built over the years can help you get through any financial difficulty.

Aids in Clearing Debts:

Along with offering a financial fabric, this plan also helps you repay your debts such as home loans, car loans, and the likes. Furthermore, given the constant fluctuations in inflation, household expenditure is bound to rise. At such time, the term insurance policy can come to their rescue. The sum assured can be a boon for your family members.

Secures Life Goals of Dependents:

Not just a financial fabric but, a term insurance policy also helps you support your child’s higher education especially if they want to go overseas for it. With this policy, your child will not have to compromise on his or her aspirations.

Signing off note:

The sooner you purchase term plan, the broader your financial corpus you can create. Furthermore, at a younger age, the premium is much more cost-effective. Hence, it is crucial to search for a suitable policy that can meet your family’s requirements. Before you buy this plan understand the terms and conditions of the selected plan to make an informed decision.

What is the difference between Unsecured loans and personal loans?

Unsecured loans are a type of credit for which no collateral or mortgages are required to be submitted with the lending authority.

Although there are still interests and fees levied on the loans, they are often higher than other forms of loans since the lender does not have any security if the borrower defaults in paying back the loan.

Types of unsecured loans:

Unsecured loans can be categorized as personal loans, one of the most prominent types of unsecured loans.

At times the term unsecured loans and personal loans can even be used interchangeably as both are fairly the same in their features and working.

Some other types of unsecured loans are credit cards and students loans.

Difference between secured and unsecured loans:

It is important to comprehend the difference between secured and unsecured loans to have a better understanding of how it works and when a person can apply for an unsecured loan.

One of the basic differences between the two types of loans is that secured loans are always given out based on some collateral. This is a security for the lender if the loan is not being repaid.

If the borrower denies providing any collateral, a secured loan will never be approved.

Unsecured loans are always provided without any collateral. Here the lender does not have any security to fall back to even if the loan repayment defaults.

Secured loans are available for financing options like a house loan, car loans, some types of credit lines, and a very small number of personal loans. On the other hand, unsecured loans do not have any such specification and can be used for any purpose.

Secured loans are easier to get approved, and the competition for the rate of interest among lenders is present, whereas unsecured loans are difficult to get approved and usually come with a very high rate of interest that does not vary much among lenders.

How do unsecured loans work?

Since unsecured loans do not take in any collateral, the applicant’s credit history is taken into account.

It is thoroughly scrutinized before the approval of the loan as it shows the past record of the person in taking and paying off debts.

Good credit history can ensure an easy approval of loans and sometimes even convenient loan terms. These can include a lower rate of interest, a longer repayment tenure, or a higher loan amount.

How to avail of a personal loan?

Unsecured loans are gaining more popularity owing to their versatility. A personal loan, the most common type of unsecured loan, can be used by the borrower to meet any urgent financial need.

These loans help a person in taking care of any emergency without waiting for the paycheck.

Since the borrower is not liable to mention the purpose of the loan, the fund can be used to meet any expenditure like unforeseen medical bills, travel costs, home renovation, taking care of weddings, or home shifting expenditures.

With the popularity of personal loans increasing, the means to avail them are also increasing. Nowadays, a number of personal loans can be obtained almost instantly through apps and websites.

These web-based platforms connect the lenders with the borrowers and facilitate an easy loan application procedure and disbursement that takes the load off from both parties.

Since the majority of these loans are now online and instant, the application process is very simple, which can be done from the mobile or laptop at any point in time.

It requires the least amount of documentation, and no hard credit check is required on the applicant.

Once the formalities are completed on the part of the applicant, the verification process can take a few minutes to hours, and if approved, the fund is disbursed to the bank account of the applicant on the same day or the next banking day.

Some advantages for the borrower in case of applying through apps:

Loans apps provide the borrowers with some advantages since they function with the motto of keeping the convenience of the applicant in the forefront.

The applicant can compare among various lenders in the app and select one that matches all his requirements to the maximum.

The applicant can opt for the lender offering the lowest rate of interest or more loan amount in just a few minutes without visiting multiple lenders.

This draws the next point: the applicant has the advantage of applying for a loan at any point in time, according to his convenience, without visiting the lender in person.

The entire application process, documentation, verification, and approval are done online, which is especially helpful for people with a busy schedule.

Some of the lenders in the online platforms can even approve a personal loan to individuals with low credit scores, which is difficult for conventional lenders like banks, and credit unions

However despite the benefits, it is important to remember that it is a kind of loan that requires repayment at a definite time, and as much as possible, one should refrain from taking loans and rather look for some other alternatives like increasing their income, sticking to their budget or ask for help from family or friends.

Learn the art of building your future with the right investments

None of us would like to be defined by others as we would like to embark on the journey of success on our efforts and thoughts. On the other hand, we don’t want affirmations from all the people we know and only want a handful of well-wishers who love us. You cannot share the same amount of love with everyone, and even if you do, you cannot expect the same in return. Likewise, you cannot invest in all the best investment plans and expect them to drive profits towards your end.

Undoubtedly, one of the fastest ways of making money is mutual funds or stock market investment. Whether you are investing in mutual funds or buying stocks of your own, you don’t have any idea about their performance. Therefore, it can offer great profits if you invest in the right stock or the best plan. On the other hand, you will have to also bear an equal risk of loss when you don’t know about the performance.

Today, we will learn about how you can build your future post-retirement with the best investment plans available in the market.

Never Be In Hurry While Shopping For Investment Plans:

The first and foremost mistake most investors make is they take their decisions quickly because they want to make real money in no time. The rule of thumb for investors is to be patient, and if you want to make money in the stock market, you have to wait for your funds to grow, or else you will lose all your hard-earned savings. Some things take time to grow, and hence you must learn to be patient when you invest in any fund.

Don’t Waste Your Time:

Do you remember the ant and grasshopper story? If yes, then you must have a clear definition of the importance of time in your mind. When you invest in a particular mutual fund scheme or stock, don’t be greedy and fall in love with the funds, and never raise your expectation levels. For example, your dream is to buy a car or flat by investing in a particular mutual fund and if you get returns on your plans, then never raise your expectations levels because environments can change at any time when the concern is about investing every minute counts.

Plan According To Your Financial Potential:

It is important to plan your investments based on the money available in your bank account. Most of the new-age salaried persons love to go with a tax-saving plan offering minimum benefits as they slowly grow. Therefore, it is vital to drive your savings to the ideal investment option to avoid financial instability. There are various investment opportunities available in the market; hence, you have to find who can help you accomplish your financial goals.

Live your life, king size!!

A Beginners’ Guide to Semen/Sperm Freezing

Sperm freezing is also called sperm cryopreservation. It was introduced in the1960s. Back then it was recognized as an efficient male infertility management technique. Today it is performed for various reasons. Men who have undergone vasectomy can opt for freezing. This is because there is no sperm in the semen. It is also useful for anyone who is undergoing cancer treatment since it might lead to sterility at times. The clinical pregnancy rates with sperm cryopreservation are about 36.4% with IUI and 50% with IVF and ICSI.

Men can preserve their fertility and boost the chances of fathering a child. But before that, it is always a good idea to have a sound knowledge of the process. This can help you make an informed decision and avoid surprises down the line.

How Does Sperm Freezing Work?

The procedure aims to stabilize cells at cryogenic temperature. The sperm can then be store inside liquid nitrogen for as long as you wish to. A minimum of two samples from a single individual can be stored. The male masturbates and collects the sperms. This can be done at home or at the best fertility clinic in Chennai. The semen is then tested for sperm quantity, shape and movement. The cells can also be retrieved from the testicle through a surgical method in case the male is unable to ejaculate.

There are 2 ways to freeze: Slow and Rapid.

Slow Freezing: This is done over 2 to 4 hours. The sperm is mixed with a cryoprotectant that removes water from the cells. This can prevent damage during freezing. Now they are put in liquid nitrogen and frozen at -196 ºC or lower. They are later transferred to storage tanks to maintain the temperature.
Rapid Freezing: This is a direct contact between nitrogen vapours and straw for 8 to10 minutes. The sperms are then immersed in nitrogen at -196 ºC. The straws are placed at a horizontal position to reduce the heat difference between the two ends.

The Ideal Candidate for Sperm Freezing

Anyone can opt for sperm cryopreservation within in-vitro fertilization. But it is highly beneficial for specific situations and individuals. For example, military personnel have high exposure to chemicals and toxins. These can impact fertility to a great extent. You might wish to have babies in your 40s or 50s. The sperm potency might decrease with time. So, it is a safe idea to consider freezing them to preserve your fertility for later. Lastly, anyone who works in plastic production or agriculture or pesticides factories can store their sperms. This is a safe option because these services might have a negative influence on male fertility.

Thawing Process

This is equally important as freezing. The temperature used is 37 ºC. It is done to help the cell restore normal activities while preventing sudden heat changes. The sperms are removed from the cryopreservation medium through washing and centrifuging.

Osmotic shock, formation of extracellular ice crystals and dehydration are common risks. But these are completely minimized at the best fertility clinic in Chennai.

5 Reasons for a Hysterectomy

There is a common surgical procedure in which many women go through treatment for various health conditions specifically concerned with a female reproductive system called hysterectomy. This is done by uterus removal. There are different procedures for different types of reproductive systems that depend on the nature of the condition.

Common Reasons for Hysterectomy

Uterine Fibroids – The non-cancerous growth in the wall of the uterine is called uterine fibroids. The tumours of fibroid may grow quite large and may put pressure on the pelvic organs. Heavy bleeding or severe pelvic pain can be experienced by women who have uterine fibroids.
Gynaecological Cancer – In few cases of precancer or gynaecological cancer, a hysterectomy can be the best treatment as suggested by the surgeon in the women’s hospital. This includes ovarian cancer, uterine cancer, cancer of the uterine lining, cervical cancer. The different treatments are radiation and chemotherapy, and the type of treatment will depend upon the examination of the seriousness of the disease.
Uterine Prolapse – When the uterus is displaced and slips into the vagina, the condition of uterine prolapse occurs. This type of situation is found among women who have given birth multiple times. This is also a common and problematic situation for women who are obese and postmenopausal women. This condition can cause pelvic pain or pressure, or urinary or bowel issues.
Abnormal Bleeding – Prolonged or heavy bleeding can be dangerous if it is caused due to infection, hormone imbalance, cancer, or fibroids. Hysterectomy works when all the other treatment options fail.
Endometriosis – When the tissue that lines the wall of the uterus starts to grow outside, then it is called a situation of endometriosis. This can be in the pelvic cavity, fallopian tube or ovaries, or on the outer surface of the uterus. Due to this growth of the tissue, bleeding is caused in menstrual periods.

This can also lead to intense pain, which can also interfere with the daily routine of life. The condition becomes quite chronic and does have a cure. In the most severe cases, a hysterectomy is recommended.

Types of Hysterectomy

There are four types of hysterectomy that are performed based on the condition of the women.

Total Hysterectomy – This type of hysterectomy is the most common, and the whole uterus removal takes place as the cervix is also removed. The ovaries are kept in place and nothing is done to them.
Hysterectomy With Oophorectomy – This also includes removal entire uterus and also one or both of the ovaries in females. The process of removal of the ovary is called oophorectomy and when both the ovaries are removed, and then it is termed as bilateral oophorectomy.
Radical Hysterectomy – In this, the removal of uterus along with cervix, a vaginal top portion and the tissue that surrounds the cervix in the pelvic activity takes place.
Supracervical Hysterectomy – This is also known as a subtotal or partial hysterectomy because in this, the uterus is removed, keeping the cervix intact.

It is necessary for a patient to contact a surgeon promptly to carry out the surgical procedure without delay.

Tips for Early Retirement Planners

If you are planning early retirement and want to make sure that you have a financial nest egg to support you in the years to come, you need to take the tips for early retirement planners seriously. These plans should not only be able to secure your financial security and help you grow financially in the future but should also contribute to your overall well-being. This is why it is important to keep in mind the things you can do as early as now to help ensure your financial security in the future.

Here are the top tips for early retirement planners:

Begin Investing Early

The first tip for retirement planning is to make sure you get started investing early. This does not only mean getting a financial planner or SIP calculator but also making an investment account where you will put your money. When you are young, your asset value is still growing.

As you age, the growth of your asset value starts to slow down. At this point, it is also important to note that it is very important to invest in your future and not just wait for your savings to grow. This means putting your money into a low-risk investment fund or saving up for your children’s education.

Invest in Mutual Funds

Some retirement mutual funds do just that for you. They are specifically designed for older retirees and are specifically fashioned as a mutual fund investment for elderlies. The basic purpose of a retirement mutual fund is to protect your income, your capital, and your assets at retirement. In order to achieve the best returns, these funds must be designed and monitored by experienced money managers.

As with any form of investment, you require to consider your risk tolerance and the amount of time you plan to invest. Some mutual fund investment types offer only short-term investments. On the other hand, some retirement mutual funds allow long-term investors to opt for longer investment periods and higher returns.

Opt for the Right Insurances

The third tip for retirement planning is to get as much insurance as possible. This does not mean getting yourself a life insurance policy, but including your family members in your insurance plan so that if anything happens to you, they are covered. You do not want to leave them high and dry if something happens to your money and you become incapacitated.

Remember, this will also save you from having to start off with a negative income and from paying taxes on the pension or other type of social security that you would have received in the future.

Alter Your Lifestyle Accordingly

Finally, the next tip for retirement planning is to be prepared to change your lifestyle. If you intend to retire at a younger age and you are willing to change your lifestyle, then you may want to increase your annual expenses or even get rid of some of your unneeded luxuries.

There remains really no wrong or right way to plan your retirement, but it is important to have realistic expectations about what your financial situation might be in the future.

The Final Say

These tips for early retirement planners should go a long way towards helping you prepare for your retirement. Of course, you need to ensure that you have adequate investment funds in place before you retire. By putting aside a little fraction of money each month, you will be able to use that money to help you buy your home, go on nice holidays, or even start a new business.

How to Choose an Annuity Plan?

Are you on your way to building savings that will give you lifelong financial security? Are you looking for a steady and predictable income even in your golden years? The best annuity plans in India could be a great choice for you. Here’s what you should know about annuity plans.

Which is the Best Annuity Plan for You?

These plans allow you to live a financially independent life after you retire. They require you to contribute a lump sum or make regular payments until you reach the predetermined vesting age. The money thus collected is then invested in various financial instruments, and the profits are distributed to the investors. You are entitled to receive regular payments for the rest of your lives or a set period. You may also benefit from capital appreciation as a result of the power of compounding, as well as tax deductions on the premium paid.

What Features Should You Look for in Annuity Plans?

The best plans are designed to cover all your expenses after retirement. Check for features such as:

· Timing

Depending on the age profile of the applicant, you can decide between two plans:

Immediate annuity plan
Deferred annuity plan

An immediate is appropriate for someone who has recently retired and is looking for a regular monthly income source (as a replacement for their salary). You can choose the plan by making a one-time payment. The deferred plan is typically used by young people who have many years of working life ahead of them. They can pay in monthly instalments and receive the funds upon retirement. You can use an annuity calculator to check the premium to be paid and make an informed choice of plan.

· Variability

Annuity plans are financial instruments that can provide the applicant with variable returns. Fixed annuities are suitable for people with a low-risk appetite. The returns are lower, but they are guaranteed. Variable annuity offers returns that are determined by the performance of the market’s underlying investments. There is uncertainty here, but the returns could be much higher.

· Coverage

Another feature that distinguishes the plans is the level of coverage. To maximize coverage, consider a joint annuity plan that protects both you and your partner’s lives. In the event of your demise, your partner will receive annuity payments. This will assist your family members in meeting their financial obligations even if you are not present. If you do not have any dependent family members, you can choose a single-life annuity. Here too, the best annuity calculators in India can help you choose a plan with an affordable premium.

What are the Criteria to Select an Annuity Plan?

The key parameters to select the best annuity plans are:

· Safety

Because annuities are long-term financial investments, it is critical to choose a plan that provides a high level of security. Based on the company’s track record, ensure that it will be able to meet its obligations in the future. Other factors to consider include falling interest rates and rising inflation.

· Returns

The primary goal of investing in annuities is to earn high returns that will help you meet your financial needs after retirement. Some businesses do not pass on the benefits to their customers and instead, keep the profits as a reserve. Small payments at an advanced age are of little use, therefore, choose a company that offers high returns.

· Liquidity

Always choose a fund that is liquid enough to allow you to make a partial withdrawal in the event of an emergency.

You can consider the aforementioned features when choosing the best annuity plan. Before making a decision, you should also consider the service provider’s track record and financial strength.

Plagiarism in the Media: Know Whether History is Repeating Itself

Former American journalist Jayson Thomas Blair worked in New York Times. In May 2003, he resigned from the media house after being accused of plagiarism. There were stark similarities between his story and the one written by Macarena Hernandez for San Antonio Express-News. After leaving New York Times, Blair suffered major depression attacks and underwent treatment for the same.

This incident shows that plagiarism in the media has serious aftermaths: both on the associated institutions and the individuals. One can be dismissed from the job and forced to pay monetary penalties. Further, your reputation as a journalist can be sabotaged. Therefore, here’s how to make sure history is not repeating itself. Have a look.

Plagiarism Checker

The authenticity of journalism is highly dependent on its credibility. If readers find out previously published work in your paper, the professionalism is greatly hampered. Reporters and writers must be extra careful to avoid plagiarism while publishers must double check before producing an article. The most effective way is to use a plagiarism detection tool.

Pick the one which is powered by AI and machine learning. This is highly automated, rapid and accurate. It can only present relevant results. In fact, the algorithms get smarter with each new cheating techniques. This can help you protect against plagiarized content.

Features of a Plagiarism Checker

The top anti-plagiarism software is equipped with high-end features to help produce unique content. You can easily compare your published work and receive exact the URL of the website, similarity percentage and exact words in the highlighted passages. Further, do make sure to tick these off before scanning the files.

Multi-layered and extensive search capabilities to cross-check your document against billions and trillions of web pages. These include authorized private database, journals and archives that are not public on the internet.
Advanced technology to check for plagiarism in the form of similar, word-to-word, identical and paraphrased content within the minimal time.
Multiple language content scanner which can work with over 100 Unicode languages including Asian characters like Hindi.
Cloud-based system to help you access the files whenever required.
Comprehensive plagiarism report with the plagiarism percentage. This can help the proofread team make necessary changes before sending for online submission.
Physical copies can be scanned through OCR technology. All you have to do is take a photo and upload it. The content is reviewed to detect plagiarism and the report is generated immediately.

Your system can be seamlessly integrated with the open-source API. This can help you work efficiently with the ready-to-use code. Now you can set up weekly or monthly scans to generate accurate results. The process is 100% private, flexible and reliable.

Plagiarism in media can be faced by different types of journalism. The most common ones are investigative journalism, art journalism, criminal journalism and corporate journalism. No matter the genre of the media house, make sure to use efficient plagiarism software. Along with SEO tools, this is the most important element of making fair revenue.

5 Souvenirs to Pick from the Streets of Hyderabad

Hyderabad is lovingly called The Pearl City or the City of Nizams. There are ample reasons why you must visit at least once in a lifetime. The culture and tradition are a beautiful blend of 400 years of history and modernity. Tourists flock to relish delectable Mughal cuisine, shop authentic pearl jewellery and take a tour of the famous Salar Jung Museum. The other main attractions are a large number of temples, gardens and baazars.

All of these touristy experiences can be preserved with local souvenirs. There are plenty of items that are unique to Hyderabad. These are affordable and are easily available across the city. So, after booking domestic flights, have a look at a list of things to buy.

1. Hyderabadi Pearls

Hyderabad is home to the best quality pearls with attractive shape and original lustre. This is because it has a booming peal industry with its hub at Chandanpet. The black and pink ones are considered better than white pearls. The most authentic stores are Mangatrai Jewellers and Kedarnathji Motiwale. There are many established shops near Char Minar too. You can also get a glimpse of how the pearl pieces are polished and strung together.

2. Lac Bangles

These are known for their wonderful shine, glitz and glitter. While online flight check-in, do figure out how to reach Choori Bazaar. Here you can pick colourful stone-studded bangles. The base is made from lacquer coils which is quite a time-consuming process. However, the good news is that these jewellery pieces have not lost their charm. Tourists and locals often purchase these to add the much needed old-world glam to their outfits.

3. Pochampally Sarees

There are two major fabrics available: cotton and silk. You can also explore the wide varieties of colours and intricate geometric prints available in every shop. After web check- in, you can simply check out details of Pochampally village. The cloth is woven here and the sarees are designed here by skilled craftsmen before sending them to the main city. You can also pick other linens of the same material.

4. Bidri Works

This is a popular handicraft made by artisans of Bidar. It is a beautiful fusion of Arabic and Persian Style. You can pick chess-board, bowls, flower vase, keychains, boxes, home décor items, curtain ends, bowls, drawer knobs, trays and plates. These are easily available in major souvenir shops in the city. You can also customize the products according to your choice. Don’t forget to find out the famous stores while online flight check-in.

5. Attar or Ittar

Hyderabadi perfumes are produced from natural ingredients like spices, barks, herbs and flowers. You can pick from sandalwood, jasmine and rose base. Natural oils are also one of the main ingredients. The best ones last for hours without staining your clothes. These are locally made in the bazaars and are quite affordable. You can pick a tiny glass bottle to carry back easily.

Kalamkari work, khada dupatta, paper sweet, gongura pickle and a whole of South Indian spices are popular souvenirs. Do book an airline with has at least a 15 kgs check-in baggage allowance. This way you do not have to hesitate before buying in bulk.