The Real Estate (Regulation and Development) Act is one of the best things that has happened with the real estate sector. RERA act regulates the real estate market and help buyers who are often cheated by promoters by delaying projects or sometimes not delivering the project at all. It builds in the transparency, accountability, and efficiency in the real estate market.

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Every employee and employer needs to feel safe in their workplace, whether they are a laborer on a building site or they are a software developer in a cozy office. Health and safety has a rather bad reputation for stopping fun and games, but it is vital for any business to be clued up on the implications of health and safety regulations and how to implement the correct procedures. If you’re the owner of a small company or your business is expanding rapidly, it’s important that you understand how health and safety impacts yours and your employees’ daily working life and the area where they work. Below are key steps to consider to ensure your business is compliant with the recent regulations.

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The titular character in Shakespeare’s Macbeth had far bigger problems on his mind when he spoke of a story “full of sound and fury, signifying nothing,” but he may as well have been talking about the state of digital marketing in the second decade of the 21st century. It’s tougher every week for brands to break through all the noise. Many aren’t even sure where to start.

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When you think of the business skills that can help you with finding a well-paying job, advancing in your career, or growing your small business, you probably think of taking formal business classes in accounting, management, finance, and marketing. While, of course, these hard skills are necessary to excel in the world of business, if you think outside the box, you might be surprised to discover some other, softer skill sets, that can prove to be highly useful, too.  

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For parents, their child always remains a kid even when they have grown up to be responsible adults. However, keeping emotional ties aside, it is the duty of every parent to teach their child to be responsible. While parents want to ensure that they offer the best of everything to their kid, it is also their unsaid duty to raise financially responsible children.

From a very young age, children tend to pick up a lot simply by observing their elders. Hence, parents need to put in extra efforts to ensure that their teenager child is financially responsible.

Tips to inculcate financial responsibility amongst teenagers

Teenagers are usually burdened with school work, sports, and extracurricular activities,but what affects them most is peer pressure. Before they start comparing and make attempts to match their lifestyles with their friends, it is important to teach them finances. Helping your child manage his/her ownmoney is the biggest financial planning lesson you mayimpart.

  • Share financial responsibilities


One of the most important aspects is for teenagers to understand the value of money. The sooner they understand, the better they will manage their finances. Teenagers often tend to ask for monthly pocket money from their parents. Fix a certain amount. Do not provide an additional sum, even if they are penniless by the end of the month. Being strict at this stage will go a long way.They need to know that it is not an unlimited resource and should not be wasted. By sharing financial responsibilities with teenagers, you will give them the freedom to spend on what they can afford and what they consider important. This will indirectly help them curb overspending. If your child overspends in a particular month, he/she will learn not to repeat the same in future.


  • Do not be overprotective


Every individual learns from his mistakes, and so will your child.Do not run to cover up for his/herblunders. If they make wrong decisions with their money, let them help themselves to come out of the situation. Do not pay off their credit card balance for them. You can always guide them and help them in financial planning to manage their expenses, but do not handhold them in every instance. This is because if they know that you are there as a last resort, they might repeat the mistake in future.


  • Set the right example early in life


Children learn from their parents and it is your responsibility to bea good example for them. If you are someone who makes quick decisions and overspends, your child will do the same. If you are someone who saves a certain percentage of your income each month, your child will learn from it and follow your footsteps. Inculcate the habit of saving in your child and teach them the importance of investing right. Include them in your financial decisions so that they are able to learn about the best investment options. Take them out shopping with you and restrict to a budget or let them go shopping for themselves, but ask them to stick to a limit.


  • Encourage them to get a job


Children in their late teens usually look for part-time jobs during summer breaks or post-exam vacations. Encourage them to do the same as this will not only give them a practical approach to life, but will also help them utilize their time productively. Do assist them in managing their wages. Their initial wages may not be very high; this will compel them to save money and invest. This way, they will not overspend or take a debt that is difficult to repay.

Once your children begin to earn, you need to bring financial discipline in their life and teach them to save money. You can help them choose the best investment options and inculcate the habit of investment in high-return assets. Teenagers might not be able to understand the importance of investing initially, but at a later stage, they will be thankful for the steps they took. If they know that financial planning has helped you and your family in the long run,they will adopt the same approach in their life.

The Angel Wealth mobile application is an ideal tool for your child. It has an ARQ investment engine that functions on algorithms and offers customized investment recommendations to you. It is free of human biasand will offerthe right investment options to your child. Download the user-friendly app today and let your child start investing.

To be a smart tax saver, you need to know your income and tax liability. The Indian government provides several options you may use to make better investment decisions while reducing your tax liability.

Are you stuck on Section 80C of the Income Tax Act, 1961 as is the case with most people? There is no doubt that this section offers some excellent tax-saving options, but there are several other avenues you may consider to save taxes, which are discussed below:

  1. National Pension System (NPS)

This pension scheme was launched in May 2009. To contribute to NPS, you need to open an account with the Central Recordkeeping Agency (CRA). You will receive a unique Permanent Retirement Account Number (PRAN). In addition to the Section 80C deduction, contributions up to INR 50,000 per year are eligible for exemption under section 80CCD (1B). Your money is invested in different asset classes, which includes equity, debt, and government securities. The returns on your investments will depend on the performance of these assets.

  1. Rajiv Gandhi Equity Savings Scheme (RGESS)

Under the RGESS, you may invest up to INR 50,000 in certain approved stocks to claim benefits under section 80CG. However, this benefit is available only when you invest for the first time. One reason this investment option is not popular is because of the high risk associated with stock investing.

  1. Education loan interest

If you have availed of an education loan, the interest paid for the year is tax-exempt under section 80E. However, unlike the principal repayment on a home loan, no tax benefit is available for the repayment of an education loan’s principal amount. This is one of the best tax-saving investments, but unfortunately, not many people are aware of this benefit.

  1. House rent allowance (HRA)

If you live in a rented home, you may claim tax benefits under section 80GG of the Income Tax Act. The deduction depends on your location. It is recommended you speak with your company’s human resource department to know the exact HRA benefit that is available.

  1. Home loans

In the last year’s Union Budget, Finance Minister Mr. ArunJaitley enhanced the interest benefit on a home loan. The deduction amount was increased from INR 1.5 lakh to INR 2 lakh per annum. In addition, INR 50,000 paid as home loan interest may be claimed under section 80EE starting from the financial year 2016-17. However, there are certain conditions that you must fulfill to be eligible for this deduction. These include:

  • The loan must be availed of between April 1, 2016, and March 31, 2017.
  • You must own the said property in your name.
  • The borrowed amount must not exceed INR 35 lakh.
  • The value of the home must not be more than INR 50 lakh.


  1. Health insurance

Medical costs are constantly rising. Therefore, safeguarding yourself against any health issue is important. A premium of up to INR 25,000 (INR 30000 for senior citizens) is eligible for tax deduction under section 80D. The benefits under this section also include preventive health checkup expenses.

  1. Charitable donations

If you donate some amount to certain non-government organizations (NGOs) in check, the same is eligible for tax benefits under section 80G. However, the deduction may either be 50% or 100% of the total amount based on certain criteria. This benefit must be claimed when you file your income tax returns (ITR).

If you have missed any of the aforementioned benefits, you may still opt for tax-saving options like the ones discussed below:

  • Public provident fund (PPF)

PPF is a popular option because it provides a fixed rate of return based on the interest determined by the government authorities. The lock-in period for such accounts is 15 years. The principal, interest, and maturity benefits are all tax-free, which makes it one of the best tax-saving investments.

  • Bank FDs

You may also invest in bank FDs, which have a lock-in period of five years. The interest rate is similar to regular deposits. However, the interest income is taxable, which reduces your actual return on investments.

  • Equity-linked savings schemes(ELSS)

An ELSS comes with a three-year lock-in period. These funds invest in equities, which have the potential to deliver high returns. Additionally, the dividend and maturity proceeds on equity-linked savings schemes are tax-exempt, thereby making these a popular tax-saving mutual fund product.

Investment decisions are not random and require research and analysis. ARQ, the investment engine from Angel Wealth, does exactly this. It uses scientific methods to analyze and evaluate funds based on a billion data points. The best tax-saving mutual funds are customized depending on your risk appetite, lifestyle, and financial goals.

The entire procedure is automated, ensuring there is no human bias. Download the mobile app today and invest to reduce your tax liability.


EMI schemes were brought into being as a ways of encouraging people to stay with small businesses and work with them. The benefits of such work included shares in the company, benefits for them the longer they stay as employees, and an overall boost in morale which comes with feeling more involved in the direction that the company is taking.EMI schemes allow people to become more important to the business than they otherwise would – the EMI scheme works both ways – it keeps people loyal to the business, and helps them see that working for it wouldn’t be the knock to their career they feared, and means that the business will have experienced workers.

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When trying to propel your business forward through its online presence, you have to have a lot of things going right in order to find the success you’re looking for. One of these things that may not seem like that big of a deal but that can have severely negative impacts if done incorrectly is getting the right hosting company to service your business. While you may not think that is that important of a decision, having the right hosting service for your business could be the difference between having a successful website and a flop. To help make this decision easier for you, here are three tips for picking the right website hosting service for you.

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We all know that sleep is a necessary part of life, but from the time we are young, we seek ways to escape it. As children, we view falling asleep as the ultimate defeat. Bedtime means no more playing outside, no more spending time with friends, and no late night movies we probably shouldn’t have seen anyway.

As adults, sleep can be viewed as something that gets in the way of progress. We are always trying to find ways to add hours to a day so we can get more done at home and at work. With that said, we may actually be sabotaging the quality of everything we do by shaving time off of a good night’s rest.

According to the research, the lack of sleep can have a negative effect on “reaction speed, short-term and long-term memory, ability to focus, decision-making capacity, math processing, cognitive speed and spatial orientation.” The value you have to your business shrinks indefinitely when you lose sleep. Below are some things to keep in mind when thinking about trading sleep for extra work.

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