What Is Insurance?
Insurance is a contract, represented by a policy, in which a policyholder receives financial protection or reimbursement against losses from an insurance company. The company pools clients’ risks to make payments more affordable for the insured. Most people have some insurance: for their car, their house, their healthcare, or their life.
Insurance policies hedge against financial losses resulting from accidents, injury, or property damage. Insurance also helps cover costs associated with liability (legal responsibility) for damage or injury caused to a third party.
KEY TAKEAWAYS
Insurance is a contract (policy) in which an insurer indemnifies another against losses from specific contingencies or perils.
There are many types of insurance policies. Life, health, homeowners, and auto are among the most common forms of insurance.
The core components that make up most insurance policies are the premium, deductible, and policy limits.
How Insurance Works
Many insurance policy types are available, and virtually any individual or business can find an insurance company willing to insure them—for a price. Common personal insurance policy types are auto, health, homeowners, and life insurance. Most individuals in the United States have at least one of these types of insurance, and car insurance is required by state law.
Businesses obtain insurance policies for field-specific risks, For example, a fast-food restaurant's policy may cover an employee injuries from cooking with a deep fryer. Medical malpractice insurance covers injury- or death-related liability claims resulting from the health care provider's negligence or malpractice. Businesses may be required by state law to buy specific insurance coverages.
Most insurance is regulated at the state level.
There are also insurance policies available for very specific needs, such as kidnap, ransom and extortion insurance (K&R), identity theft insurance, and wedding liability and cancellation insurance.
Insurance Policy Components
Understanding how insurance works can help you choose a policy. For instance, comprehensive coverage may or may not be the right type of auto insurance for you. Three components of any insurance type are the premium, policy limit, and deductible.
Premium
A policy’s premium is its price, typically a monthly cost. Often, an insurer takes multiple factors into account to set a premium. Here are a few examples:
Auto insurance premiums: Your history of property and auto claims, age and location, creditworthiness, and many other factors that may vary by state.
Home insurance premiums: The value of your home, personal belongings, location, claims history, and coverage amounts.
Health insurance premiums: Age, sex, location, health status, and coverage levels.
Life insurance premiums: Age, sex, tobacco use, health, and amount of coverage.
Much depends on the insurer's perception of your risk for a claim. For example, suppose you own several expensive automobiles and have a history of reckless driving. In that case, you will likely pay more for an auto policy than someone with a single midrange sedan and a perfect driving record. However, different insurers may charge different premiums for similar policies. So finding the price that is right for you requires some legwork.
Policy Limit
The policy limit is the maximum amount an insurer will pay for a covered loss under a policy. Maximums may be set per period (e.g., annual or policy term), per loss or injury, or over the life of the policy, also known as the lifetime maximum.
Typically, higher limits carry higher premiums. For a general life insurance policy, the maximum amount that the insurer will pay is referred to as the face value. This is the amount paid to your beneficiary upon your death.
The federal Affordable Care Act (ACA) prevents ACA-compliant plans from instituting a lifetime limit for essential healthcare benefits such as family planning, maternity services, and pediatric care.
Deductible
The deductible is a specific amount you pay out of pocket before the insurer pays a claim. Deductibles serve as deterrents to large volumes of small and insignificant claims.
For example, a $1,000 deductible means you pay the first $1,000 toward any claims. Suppose your car's damage totals $2,000. You pay the first $1,000, and your insurer pays the remaining $1,000.
Deductibles can apply per policy or claim, depending on the insurer and the type of policy. Health plans may have an individual deductible and a family deductible. Policies with high deductibles are typically less expensive because the high out-of-pocket expense generally results in fewer small claims.
Types of Insurance
There are many different types of insurance. Let’s look at the most important.
Health Insurance
Health insurance helps covers routine and emergency medical care costs, often with the option to add vision and dental services separately. In addition to an annual deductible, you may also pay copays and coinsurance, which are your fixed payments or percentage of a covered medical benefit after meeting the deductible. However, many preventive services may be covered for free before these are met.
Health insurance may be purchased from an insurance company, an insurance agent, the federal Health Insurance Marketplace, provided by an employer, or federal Medicare and Medicaid coverage.
The federal government no longer requires Americans to have health insurance, but in some states, such as California, you may pay a tax penalty if you don't have insurance.
If you have chronic health issues or need regular medical attention, look for a health insurance policy with a lower deductible. Though the annual premium is higher than a comparable policy with a higher deductible, less-expensive medical care year-round may be worth the tradeoff.
Home Insurance
Homeowners insurance (also known as home insurance) protects your home, other property structures, and personal possessions against natural disasters, unexpected damage, theft, and vandalism. Renter's insurance is another type of homeowners insurance.
Homeowner insurance won't cover floods or earthquakes, which you'll have to protect against separately.
Your lender or landlord will likely require you to have homeowners insurance coverage. Where homes are concerned, you don't have coverage or stop paying your insurance bill, your mortgage lender is allowed to buy homeowners insurance for you and charge you for it.
Auto Insurance
Auto insurance can help pay claims if you injure or damage someone else's property in a car accident, help pay for accident-related repairs on your vehicle, or repair or replace your vehicle if stolen, vandalized, or damaged by a natural disaster.
Instead of paying out of pocket for auto accidents and damage, people pay annual premiums to an auto insurance company. The company then pays all or most of the covered costs associated with an auto accident or other vehicle damage.
If you have a leased vehicle or borrowed money to buy a car, your lender or leasing dealership will likely require you to carry auto insurance. As with homeowners insurance, the lender may purchase insurance for you if necessary.
Life Insurance
A life insurance policy guarantees that the insurer pays a sum of money to your beneficiaries (such as a spouse or children) if you die. In exchange, you pay premiums during your lifetime.
There are two main types of life insurance. Term life insurance covers you for a specific period, such as 10 to 20 years. If you die during that period, your beneficiaries receive a payment. Permanent life insurance covers your whole life as long as you continue paying the premiums.
Travel Insurance
Travel insurance covers the costs and losses associated with traveling, including trip cancellations or delays, coverage for emergency healthcare, injuries and evacuations, and damaged baggage, rental cars, and rental homes.
What Is Insurance?
Insurance is a way to manage your financial risks. When you buy insurance, you purchase protection against unexpected financial losses. The insurance company pays you or someone you choose if something bad occurs. If you have no insurance and an accident happens, you may be responsible for all related costs.
Why Is Insurance Important?
Insurance helps protect you, your family, and your assets. An insurer will help you cover the costs of unexpected and routine medical bills or hospitalization, accident damage to your car or injury of others, and home damage or theft of your belongings. An insurance policy can even provide your survivors with a lump-sum cash payment if you die. In short, insurance can offer peace of mind regarding unforeseen financial risks.
Is Insurance an Asset?
Depending on the type of life insurance policy and how it is used, permanent or variable life insurance could be considered a financial asset because it can build cash value or be converted into cash. Simply put, most permanent life insurance policies have the ability to build cash value over time.
The Bottom Line
Insurance helps to protect you and your family against unexpected financial costs and resulting debts or the risk of losing your assets. Insurance helps protect you from expensive lawsuits, injuries and damages, death, and even total losses of your car or home.
Sometimes, your state or lender may require you to carry insurance. Although there are many insurance policy types, some of the most common are life, health, homeowners, and auto. The right type of insurance for you will depend on your goals and financial situation.
To known more about insurance visit: www.asanevent.com
Thankyou..😊

Bringing a fresh duck from the marshes to the table isn’t easy by any stretch of the imagination. And if you’ve been duck hunting for any length of time, you know that you want every edge possible to bring that winged entrée for the sky to your plate.
No matter if you’ve got a tricked out Benelli Super Black Eagle or your grandfather’s Beretta 687 O/U, loading it with the best duck hunting shells is a surefire way to decrease crippling shots and ensure your bag limit is filled every time you toss out the decoys.
Shotgun shells come in a variety of flavors, but if you’re looking for a nice tight pattern that won’t break the bank, then make sure to get some Winchester Drylok 12ga #3 Super Steel 3" Magnum Shells for your next duck hunt.
Or if you don’t mind sitting in your duck blind a little longer and want the full list, keep reading and we’ll share our favorite waterfowl shotgun shells on the market for 2023.
For those of you who love reading about shotgun shells, click HERE to go to our Buyer’s Guide.

The Best Duck Hunting Shells

1. Winchester Drylok 12 ga Super Steel Magnum #3 1-1/4 oz
2. Hevi-Shot 12 ga HEVI XII 3" #4 1-1/8 oz
3. Federal Black Cloud TSS 3" 20 ga #3 & #9 1 oz
4. Kent Fasteel 2.0 Precision Steel 12ga 3-1/2" #4 1-3/8 oz
5. Remington Nitro Steel 12 ga 3" #4 1-3/8 oz
6. Browning Wicked Blend 12 ga 3" #2 and #4 1-1/4 oz

Winchester Drylok Super Steel Magnum #3 1-1/4 oz

Specs

• Muzzle Velocity: 1,400 fps
• Projectile: Steel
• Weight: 1-¼ oz

Pros

• Affordable
• High Velocity
• Non-toxic
• Easy to find

Cons

• Some prefer premium options

Why We Chose It

When we think of the best shotgun shells for duck hunting, naturally, we look at Winchester. Winchester has provided generations of hunters with reliable, high-quality rounds, and the Winchester Drylok Super Steel 12 gauge shells definitely pay homage to this legacy.
But the name alone doesn’t make this shotshell the best for duck hunting. Waterfowl hunters need ammo that performs well in adverse weather conditions, has a tight pattern, high velocity, and are affordable and easy to find.
As lead shot becomes more regulated, having a good steel shot round is essential to legally blindsiding mallards and wood ducks every time you pop out of the duck blind. As duck hunters are often hunting from the water or even a boat, the double-seal wad system means your powder is always dry and ready to go whenever you squeeze the trigger.
The 1,400 fps muzzle velocity and 1 ¼ ounce payload are more than enough to fell ducks up to 40 yards away with relative ease.
The Winchester Drylok is a tried-and-true design that won’t let you down in the field. Although some duck hunters prefer more exotic loads, you can’t go wrong loading your favorite duck gun with 3" magnum Winchester Drylock ammo!

Hevi-Shot 12 ga HEVI XII 3" #4 1-1/8 oz

Specs

• Muzzle Velocity: 1,500 fps
• Projectile: Tungsten Alloy shot
• Weight: 1 1/8 oz.

Pros

• Dense payload
• Tungsten shot
• High velocity
• Excellent grouping

Cons

• Availability

Why We Chose It

Ask any modern duck hunter which shotgun shells are best for honker hunting, and you’ll surely get plenty of recommendations for the HEVI-XII. This exquisitely designed shotgun shell includes tungsten shot that is denser than steel and safer than lead (which is probably illegal where you live for duck hunting anyway).
Tungsten shot is denser than bismuth, steel, and lead. Which means the HEVI-XII payload gives you a lot more bang for your buck. This means that HEVI XII shot has a density of 12 g/cc (grams per cubic centimeter) which is around 53% more dense than steel shot.
This translates to more pellets on target, deeper penetration, and more trips out into the lake for your hunting dog to retrieve all the ducks you’ve nailed.
Although HEVI-XII can sometimes be hard to find, most duck hunters will tell you that it’s worth the price of admission as this shotshell simply works every time!

Federal Black Cloud TSS 3" 20 ga #3 & #9 1 oz

Specs

• Muzzle Velocity: 1,350 fps
• Projectile: Tungsten/Steel
• Weight: 1 oz.

Pros

• High quality
• Non-toxic tungsten and steel shot
• Higher Density
• Tight pattern through most chokes

Cons

• Only available seasonally

Why We Chose It

Although we typically recommend a 12 gauge shotgun for duck hunting, Federal Premium Black Cloud TSS ammo is one low-recoil option we will make an exception for.
Combining #3 and #9 shot in one hull, the Black Cloud TSS (Tungsten Super Shot) maintain their velocity farther, penetrate deeper and hit harder than any waterfowl payload has before.
The secret to the lethality of the Black Cloud TSS lies in the Flitecontrol Flex wad, which opens from the rear instead of the front like traditional wads. The result is incredibly dense and repeatable shot patterns that have an effective range past 50 yards through all standard waterfowl chokes.
Comprised of 60% heavyweight TSS pellets and 40% Flitestopper Steel shot, the Black Cloud TSS shotshell unleashes a swarm of shot that leaves no chance of escape for any drake that finds itself in your sights.
Although Federal Black Cloud TSS is only available seasonally, it is well worth the price of admission if you are serious about duck hunting.

Kent Fasteel 2.0 Precision Steel 12ga 3-1/2" #4 1-3/8 oz

Specs

• Muzzle Velocity: 1,550 fps
• Projectile: Zinc-plated steel
• Weight: 1 3/8 oz.

Pros

• Safe in fixed choke barrels
• Non-toxic
• Tighter grouping at longer distances (depending on choke, of course)
• High-quality
• Versatile

Cons

• Availability
• Cost

Why We Chose It

If you’re serious about shotgun hunting, then you’re probably well aware that Kent makes phenomenal shells for all sorts of activities. With multiple loads for turkey, goose, upland game, and deer hunting, Kent truly has a shell for all seasons.
But if you’re looking to whack some waterfowl out of the sky quickly and efficiently, then Kent Fasteel 2.0 is what you need to load in your duck gun.
Development of the Fasteel began around the wad, which has proven time and time again that it can produce boringly repetitive shot patterns in both semi-autos and in cold temperatures. A tight pattern is essential for putting down descending mallards ethically and quickly.
Kent Fasteel 2.0 was developed with duck hunting in mind, as the shot is zinc-plated while the head is nickel-plated. This adds a level of corrosion resistance to your ammo that ensures proper feeding and function in even the worst conditions.
Although Kent ammo is sometimes hard to find and will blast a few holes in your wallet, the incredibly consistent performance keeps dedicated duck hunters coming back time and again to load their shotguns with Kent Fasteel 2.0.

Remington Nitro Steel 12 ga 3" #4 1-3/8 oz

Specs

• Muzzle Velocity: 1,300 fps
• Projectile: Steel
• Weight: 1 ⅜ oz.

Pros

• Affordable
• Lead-free
• Consistent performance

Cons

• Some premium loads perform better

Why We Chose It

If you’re looking for a low-cost, no-frills round that will bring home the duck, then you can’t go wrong with Big Green.
Remington’s Nitro Steel line of duck hunting ammo is nothing special to write home about. However, when you need a round that simply works then Nitro Steel will get the job done.
Although it lacks a lot of the special features offered by other premium loads, Remington Nitro Steel ammo is consistent and deadly in the right hands. However, we’d recommend that you take it out and test it before duck season this year, just to evaluate how it patterns in your shotgun.

Browning Wicked Blend 12 ga 3" #2 and #4 1-1/4 oz

Specs

• Muzzle Velocity: 1,450 fps
• Projectile: Steel & Bismuth
• Weight: 1 1/4oz

Pros

• Steel and Bismuth shot blend
• High velocity
• Works well with most chokes

Cons

• Availability

Why We Chose It

We’ve got to hand it to the marketing department at Browning for providing an absolutely amazing name for such an excellent duck-hunting shotgun shell.
The Wicked Blend is comprised of 70% zinc-plated steel and 30% copper-plated bismuth pellets. Combining the denser bismuth with plated steel means you’ll get a good mixture of dense payload at an affordable price.
On top of those benefits, the proprietary Wicked Wad increases pattern density for those long downrange shots. We found this load to be extremely versatile, working well for both duck and goose hunting.
Although this ammo might be a little hard to find, if you can get it you won’t be disappointed when you unload on a flock of descending waterfowl.
Best Duck Hunting Shells: Wasting Waterfowl With Ease originally appeared on Ammo.com

I've been planning to buy a new laptop, and I'm confused between Lenovo Ideapad 3 and Asus Vivobook 14. To be used for coding and light gaming (probably won't need a dedicated graphic card)
Obviously the Asus has better specs for a slightly higher price, but I'm more concerned about after-sales services. Lenovo has been around for quite a while, and I assume that they provide better services in that case (?). Build quality is something I'd prefer to be good as well.
I've never had a friend use an Asus device, so I'm not really sure about their services. Also, Lenovo's extended warranty scheme sounds much better (3K for 3 years of ADP. Notice that it's mainly ADP I'm talking about, because everytime I went to the Acer service center with an issue, they'd just brush it off with an excuse that xyz issue comes under adp, and the onsite warranty doesn't cover it).
Which one should I buy? And can I get extended warranty after purchasing it from Flipkart? I've never bought a laptop online, so I'm a little confused about this too.
P.S. - DO NOT suggest buying a MacBook Air because it goes 15-20k above my budget (60±5k)

Heard very mixed things about the water pipes/potential engine fails. Would you guys cop this?

I've been planning to buy a new laptop, and I'm confused between Lenovo Ideapad 3 and Asus Vivobook 14.
Obviously the Asus has better specs for a slightly higher price, but I'm more concerned about after-sales services. Lenovo has been around for quite a while, and I assume that they provide better services in that case (?). Build quality is something I'd prefer to be good as well.
I've never had a friend use an Asus device, so I'm not really sure about their services. Also, Lenovo's extended warranty scheme sounds much better (3K for 3 years of ADP. Notice that it's mainly ADP I'm talking about, because everytime I went to the Acer service center with an issue, they'd just brush it off with an excuse that xyz issue comes under adp, and the onsite warranty doesn't cover it).
​
Which one should I buy? And can I get extended warranty after purchasing it from Flipkart? I've never bought a laptop online, so I'm a little confused about this too.
P.S. - DO NOT suggest buying a MacBook Air because it goes 15-20k above my budget (60±5k)

I started the game with the intent to play melee rogue, without really looking up any of the builds people have been going with. Ended up on a poison and trap build with Twisting Blades as my main spender. I had been using Puncture as my basic attack for a while, but I really never want to be standing in ranged, so I decided to respec to Blade Shift since that will give the added benefit of letting me walk through enemies and hit more people with my Twisting Blades when there's a crowd of enemies around me restricting my movement.
Short story, that didn't work out, Idk if it's the way I click around my screen or if it is the way the game is coded, but I often end up being stuck auto attacking the enemies that I wish to run through. So that's one respec completely wasted. So now I'm just stuck eating a second respec to either go back or try something new, after which I may still need to return to my old build.
I gotta ask: Why? Did they not see wanting to respec basic attack skills a thing that would ever happen? Did they think a basic attack skill respec should incur the full cost respec? Is it really so game changing that it deserves to pay the price that the intended to put on respec happy people switching whole builds for each type of content they were going to go do? I would have actually loved a setting that kept all my talents so that I didn't have to go through and click them all again for what should be a 5 point respec.
I don't necessarily disagree with the respec cost, just please let me "break connections to nodes" if I am going to repair that connection anyways. From what I can tell the only reason it works that way is because they charge you the gold immediately upon you pressing right click on the talent, instead of the solution WoW just implemented of having a bit APPLY button at the bottom.

IQOO Neo 8 Pro Price In India

iQOO Neo 8 Pro price in India is expected to be ₹38,790. iQOO Neo 8 Pro launch date is speculated to be on November 16, 2023. The mobile will be available in multiple color variants.

IQOO Neo 8 Pro Details

Design, Display, and Security
The iQOO Neo 8 Pro has a high-end design aesthetic, which increases its attractiveness. Glass lends the device's camera module bump its elegant and upscale appearance. The gradient finish on the back panel improves the aesthetic overall. The phone has a punch-hole cutout on the front panel where the selfie camera is located. The iQOO Neo 8 Pro is offered in a variety of colours, giving customers a variety of alternatives in this price range. The smartphone has a large 6.78-inch screen for its display. The AMOLED display screen makes sure that pictures and movies are seen with vivid colours and deep blacks.
The gadget also has a fast screen refresh rate, which makes it perfect for gaming and web browsing. Additionally, the display has a resolution of 2400 x 1080 pixels and a pixel density of 388ppi, which makes sure that the pictures are crisp and sharp. The 20:9 aspect ratio of the phone also offers an immersive viewing experience. Additionally, the iQOO Neo 8 Pro provides a face unlock function and an in-display fingerprint sensor, giving consumers several choices for safeguarding their devices.
Performance, Camera, and UI
A MediaTek Dimensity 9200 Plus octa-core CPU powers the newest smartphone from iQOO. The Cortex X3, Cortex A715, and Cortex A510 processors of the chipset have a maximum clock speed of 3.05GHz. In addition, the chipset has the Immortalis-G715 MC11 GPU, which can handle demanding graphics and gaming. 256GB of internal storage and 12GB of RAM are included with the iQOO Neo 8 Pro. With this model, the firm has not provided the possibility to increase storage. In terms of cameras, the back panel has a triple camera configuration. The device has three lenses: a 50MP ultra-wide-angle lens, a 32MP telephoto lens, and a 50MP main sensor with an f/1.79 aperture.
The iQOO gadget is equipped with the most recent FunTouch OS 12 version and runs Android 13 as its operating system.
Battery and Connectivity
A 5,000mAh battery is available in the iQOO Neo 8 Pro. Additionally, the phone supports 120W fast charging, which is a welcome bonus. You have access to 5G, dual 4G VoLTE, Wi-Fi, Bluetooth 5.2, GPS with GLONASS, dual-SIM, and a USB Type-C connector in terms of connection.
The Latest IQOO Neo 8 Pro
Launched with a MediaTek Dimensity 9200+ SoC, the iQOO Neo 8 Pro includes the Neo 8's price and specifications.
Multiple storage choices are available with the Chinese debut of the iQOO Neo 8 series. Up to 16GB of RAM will be offered with the Neo 8 series.
The 5,000mAh battery of the iQOO Neo 8 Series is confirmed to support 120W fast charging.
According to the brand, the iQOO Neo 8 series will have 120W rapid charging. On May 23, the smartphones are anticipated to go on sale in China.
The Sony IMX866V camera sensor, 16GB LPDDR5X RAM, and UFS 4.0 storage are confirmed to be included in the iQOO Neo 8 Series.
China will introduce the iQOO Neo 8 series later this month. The firm has teased some of the most important phone specifications ahead of the launch.

IQOO Neo 8 Pro Specifications

SUMMARY

Processor Chipset MediaTek Dimensity 9200 Plus MT6983
RAM 16 GB
Rear Camera Dual (50MP + 8MP)
Internal Memory 256 GB
Screen Size 6.78 inches (17.22 cms)
Battery Capacity 5000 mAh

PERFORMANCE

Chipset MediaTek Dimensity 9200 Plus MT6983
No Of Cores 8 (Octa Core)
CPU 3.35GHz, Single core, Cortex X33GHz, Tri core, Cortex A7152GHz, Quad core, Cortex A510
Architecture 64-bit
Fabrication 4 nm
RAM 16 GB
RAM Type LPDDR5X
Graphics Immortalis-G715 MC11

DESIGN

Height 6.48 inches (164.7 mm)
Width 3.03 inches (77 mm)
Thickness 0.33 inches (8.5 mm)
Weight 192.3 grams
Colors Surf, Match Point, Night Rock
Screen Unlock Fingerprint, Face unlock

DISPLAY

Resolution 1260 x 2800 pixels
Aspect ratio 20:9
Display Type AMOLED, HDR 10+
Size 6.78 inches (17.22 cms)
Bezel-less display Yes, with Punch-hole
Pixel Density 453 pixels per inch (ppi)
TouchScreen Yes, Capacitive, Multi-touch
Color Reproduction 1B Colors
Screen to body percentage 87.51 %

CAMERA

Rear camera setup Dual
Rear camera(Primary) 50 MP resolutionWide Angle lensf/1.88 aperture1.49" sensor size1µm pixel size
Rear camera(Secondary) 8 MP resolutionUltra-Wide Angle lensf/2.2 aperture
Front camera setup Single
Front camera(Primary) 16 MP resolutionWide Angle lensf/2.45 aperture
Sensor Exmor-RS CMOS Sensor
Flash LED Rear flash
Digital zoom 20x
Video Resolution(Rear) 7680x4320 @ 30 fps3840x2160 @ 60 fps1920x1080 @ 60 fps
Video Resolution(Front) 1920x1080 @ 30 fps
Optical Image Stabilization(OIS) Yes
Camera Features Auto FlashAuto FocusFace detectionTouch to focus
Shooting Modes Continuous ShootingHigh Dynamic Range mode (HDR)

BATTERY

Type Li-Polymer
Capacity 5000 mAh
Removable No
Fast Charging Yes, Flash, 120W
Charging speed 50 % in 9 minutes (claimed by Brand)

STORAGE

Internal Memory 256 GB
Memory type UFS 4.0
Expandable Memory No

SOFTWARE

Operating System Android v13
Custom UI Origin OS

CONNECTIVITY

SIM Configuration Dual SIMSIM1: NanoSIM2: Nano
Network SIM1: 5G, 4GSIM2: 5G, 4G
SIM1 Bands5G: FDD N1 / N3 / N5 / N8 / N28 ; TDD N38 / N40 / N41 / N77 / N78
4G: TD-LTE 2600(band 38) / 2300(band 40) / 2500(band 41) / 2100(band 34) / 1900(band 39) ; FD-LTE 2100(band 1) / 1800(band 3) / 2600(band 7) / 900(band 8) / 700(band 28) / 1900(band 2) / 1700(band 4) / 850(band 5) / 850(band 19)
SIM2 Bands5G: FDD N1 / N3 / N5 / N8 / N28 ; TDD N38 / N40 / N41 / N77 / N78
4G: TD-LTE 2600(band 38) / 2300(band 40) / 2500(band 41) / 2100(band 34) / 1900(band 39) ; FD-LTE 2100(band 1) / 1800(band 3) / 2600(band 7) / 900(band 8) / 700(band 28) / 1900(band 2) / 1700(band 4) / 850(band 5) / 850(band 19)
Voice over LTE(VoLTE) Yes
Wi-Fi Yes, with a/ac/ax/b/g/n/n 5GHz
Wi-fi features Mobile Hotspot
Bluetooth Bluetooth v5.3
USB USB Type-C, Mass storage device, USB charging, USB On-The-Go
USB OTG Support Yes
GPS Yes with A-GPS, Glonass
NFC Chipset Yes
Infrared Yes

SOUND

Speaker Yes
Audio Jack Yes, USB Type-C
Video Player Yes, Video Formats: MP4

SENSORS

Fingerprint sensor Yes, On-screen
Face Unlock Yes
Other Sensor Light sensor Proximity sensor Accelerometer Compass Gyroscope

Working in bangalore is becoming difficult day by day. Increasing rent and rowdy landlords are one of the major problem. Bachelors still manage by sharing flat but for person with family it's not easy.
Earning 1.5 lakh per month is not enough to make a good living in this city. 1/3 of the salary goes in to house rent. Then the prices autos and cabs. Food items which doesn't have an MRP are also not cheap.
Misbehaving locals. There is always a fear of these autowalas and cab drivers. They force people to pay for their mistakes and heavy prices for small distance. Personally I end up walking 1 km during afternoon sometimes because of the price.
When I was in Noida 3 years ago. People used to speak bad about the city but that city is 1000 times better than bangalore.

I've popped my head in occasionally over those years but never for more than a day or two. The last event I remember was the penguin mafia Crimbo which the wiki says was in 2010.
So much has been added and changed, I've always failed to get back in because I feel overwhelmed by all of the new content.
I also had auto-donations running for some periods of my absence, so have almost 50 IotMs that I have no idea what to do with.
Semi-related, how would one go about deciding on a price for an item not in the mall at all? I have two unpowered Robortenders that I don't know the value of.

Prices do not include shipping. I accept PayPal f&f.
https://imgur.com/a/mfhLAxu
Dreamcast

• Gaunlet Legends loose $30
  
• VMU $15
  

Ps2

• 2006 Fifa World Cup cib $5
  
• Lord of the Rings the two towers cib $5
  
• Lord of the Rings return of the king cib $10
  
• Transformers cib $6
  
• Red faction no manual $5
  
• Lego Star Wars cib $5
  
• Lego Star Wars II cib $5
  
• Simpsons hit & run gh cib $45
  
• Tony hawk project 8 cover and manual Free
  
• Ps2 oem av cords $6
  

Ps3

• Call of duty world at war cib $10
  
• Little big planet cib $5
  
• Fallout 3 cib $5
  
• Call of duty ghosts cib $5
  
• The last of us no manual $5
  

Ps5/Ps4

• Guardians of the galaxy Ps5 cib $15
  
• Call of duty modern warfare loose Ps4 $5
  
• Persona 5 Royal Ps4 cib $15
  
• Sonic Colors Ultimate Launch box set Ps4 $20
  

Xbox 360

• Assasin’s Creed cib $5
  
• Borderlands game of the year cib $5
  
• Halo Wars no manual $5
  
• Tomb raider cib $5
  
• Halo reach no manual $5
  
• Gears of war 3 cib $5
  
• Saints row iv cib $5
  
• Army of 2 cib $5
  
• Call of duty modern warfare cib $5
  
• Halo 4 no manual $5
  
• Army of 2 40 day $6
  
• Borderlands game of the year no manual $5
  
• Grand theft auto 5 cib $5
  
• Orange Box cib $20
  
• Halo 3 black alternate cover with game disc & multiplayer disc $5
  
• Halo 3 case only Free
  
• Av oem av cords $3
  

Xbox

• Gaming edge wired controller $9
  
• Black cib $10
  
• Halo 2 multiplayer map pack $5
  
• Halo 2 collectors edition. Case in poor condition $5
  
• Halo combat evolved no manual $5
  

Xbox one

• Rise of tomb raider cib $5

Ps1

• In the hunt loose $50

Nintendo 64

• Grape purple oem controller. Joystick is very loose and doesn’t work. All other buttons work. $20
  
• Jumper pak oem $5
  
• Controller pak oem $6
  
• Rumble pak oem $15
  

Wii

• Wii console with motion plus controller and cords. No nunchuck $60
  
• Motion plus adapter $5
  
• Wii wrist straps x5 $5
  

Gamecube

• Sonic mega collection plus no manual $14
  
• Microcon controller $7
  
• Replacement Joysticks x2 $3
  

Gameboy advance cart only $10 each

• Spyro a new beginning
  
• Spyro attack of the rhynocs
  
• Crash & Spyro superpack
  

Psp

• Virtua tennis world tour cib $6
  
• Pursuit force loose $5