What portion of your salary should you spend on loan EMIs?
Most people buy a house or a car by taking a loan from the bank, but do you know what is the maximum portion of your salary that you should spend on EMI? What is the 40 percent EMI rule? What are the disadvantages of spending more on EMIs? Among home loan, personal loan, auto loan and credit card bills, which loan should you eliminate first?
If you are a Telegram user, then there is some news for you. The company has introduced a number of attractive features, including Payments 2.0 for all Telegram chats, scheduling voice chat, Mini Profiles for Voice Chats, a new web version, and more.
The new update also brings an auto-delete timer for messages in any chat as well as new flexible invite links and faster access to your chats. Telegram revealed these new features via a blogpost.
Payment 2.0
Payment 2.0 will allow users to make payments to any contact with their credit card in personal chats, groups, or channels on the app. This can be done via third-party apps in 200 countries, including India. Telegram will not take any commission nor save payment details.
“We first added support for payments in 2017. Payment bots allowed users to securely pay for goods and services without leaving the app — anything from ordering a pizza to hailing a taxi, to replacing winter tires when you’re tired of winter,” the company said in the blog post.
“Starting from April 27, merchants can natively accept credit card payments in any chat, relying on 8 integrated third-party payment providers such as Stripe,” it added.
Users will now be able to do voice chat
Admins of groups and channels can now schedule a Voice Chat for a particular date and time, instead of creating one right away. This gives community members time to locate and call their friends. You will see three dots in your app. After this, you have to click on ‘Start Voice Chat’. Now, you will be able to use the ‘Schedule Voice Chat’ option. Tap the ‘Voice Chat’ button and select the ‘Schedule Voice Chat’ option. With mini profile addition, You can now expand profile pictures and bios to get a better idea of who you’re chatting with, without leaving the voice chat window.
New Web Versions
The first web version of the Telegram web app was launched in 2014. It ha snow introduced two new fully-featured web apps — Telegram Web K and Telegram Web Z. Both these web apps support many features like animated stickers, dark mode, chat folders. With the new web version, you will instantly access your chat on any device – desktop or mobile. These apps will require only 400 KB of download space.