How to Protect Your Business and Ensure Growth

It matters not whether youre managing a startup, a medium-sized business or a business thats hitting the peaks in your market, there are always measures that can be taken to ensure steady growth is not destabilized in the rough seas of the business world. Many problems are pitfalls that businesses stumble awkwardly over are foreseeable and preventable, but they just require that bit more time and capital to prevent against. In this article, youll find some of the most important areas of your business to protect so that they are robust enough to endure when times get tough.
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How To Get Your Small Business Started

Getting your small company off the ground is an exciting time for any developer or founding business member, as there are plans to be made and you have a head full of ideas in how you’re going to make your venture happen and succeed. This is a nerve-wracking time since your small business might feel like an extension of yourself, and you have to share it with an audience. Starting your business can also be a time of worry and apprehension for the future, as you’ve invested your time, effort and money into getting it to where it currently is. However, with some guidance, you should be able to get your small business started and on its way to becoming successful and profitable.

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Keys Health And Safety Steps For Any Business

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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Tips For Building Your Business Management Efficiency

You have this excellent company, and everything typically runs smooth.  You know your business better than anyone, though, and you know it could be better.  Sometimes projects get hung up a few days longer.  Sometimes meetings lose focus.

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Should Deduction on Term Insurance Be Separated From 80C

Life is uncertain, and a term insurance plan is the best way to deal with that uncertainty. By buying the right term insurance plan, you can secure the future of your loved ones in your absence. In case of the unfortunate event during the policy tenure, the insurer will pay the sum assured to your nominee.

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5 Sites That Can Improve Your Online Visibility

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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Where to Call When There is A Plane Crash?

A plane crash can be devastating. Lots of lives are lost and even those who survive the event are traumatized for a very long time. During this time, it can be hard to think clearly and make the right steps when dealing with the situation.

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3 Tips for Dissolving A Business Partnership

While you might like to think that your business partnership will be immune to things that can affect your other personal relationships, many business partners find that regardless of how much they love their business and want to find success, they just can’t keep working with their previous business partner anymore.  Continue reading “3 Tips for Dissolving A Business Partnership”

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Sell or Repair your Car after an Accident: Which is the Better Option?

Getting into a car accident is emotionally and physically draining. Your first concern will be to make sure that no one has sustained any injuries. But what about your car? If it has been damaged, you have to decide what to do. Should you fix it? Should you sell it? You do have options. Continue reading “Sell or Repair your Car after an Accident: Which is the Better Option?”

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4 Surprising Skills Highly Useful In The Business World

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.   Continue reading “4 Surprising Skills Highly Useful In The Business World”

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How to Make Your Teenager Child Financially Responsible

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.

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Cheer from the Stands and Not from Your Home During the 2019 ICC World Cup

The most popular game in India is cricket and if you are a lover of this game, you may want to cheer from the stands during the ICC World Cup in 2019. England and Wales are jointly going to host the World Cup in 2019.

Although the official venues have still not been decided, it is anticipated that the final may be played at Lords while the opening game may be hosted at the Oval. Do you want to cheer from the stands in the upcoming ICC World Cup? Continue reading “Cheer from the Stands and Not from Your Home During the 2019 ICC World Cup”

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How to Compensate for Missed Out Tax Deductions by 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.


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3 Business-Professional Makeup Tips For The Office

Depending on where it is that you work, you may be able to be a little more creative and bold with your makeup. But in a more corporate setting, having a more subtle look is likely something you should be shooting for. So to help you match your makeup to the professional look you need, here are three business-professional makeup tips to start using around the office.

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Bitcoin and The Future

With Bitcoin tumbling, the idea of it as a safe investment or a way to store value is being questioned. It may rebound back up to $20,000, but it may not. The real value for investors and everyone else lies in the blockchain tech that Bitcoin was based on. Continue reading “Bitcoin and The Future”

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7 Tactics to Improve Your Facebook Ad Campaigns

Social media marketing has been the trend nowadays because almost all of the people are very active online. This fact can be both positive and negative for your business. It’s positive because there’s a wide opportunity that you will be able to introduce your brand to a lot of people. It’s negative because it means that there’s more competition in the market. If you want a relatively low-cost option but high performing strategy to increase your brand’s presence online, then social media marketing is the way to go.

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Tool and die maker: Use of skill and technology

Precision is vital to survive in these competitive times. Agile is a word that is often used when it comes to the success of a particular industry. So where does tool and die maker fit in? Well, these are numerous areas that are taken care of in tool and die making behind the scenes. It is good to consider certain important aspects about how tool and dies are manufactured in order to make a right decision when hiring them for a particular project or re-thinking the current re-designing strategies. Here is how skill and technology comes in handy for tool and dies maker.
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We all dream of being able to afford everything we need and want without ever falling into a debt. However, that’s not the case. Oftentimes, things are out of our reach and we need to borrow money. That’s where a personal loan comes in. A personal loan is a type of “unsecured” loan for which you don’t have to put up a collateral. You simply borrow money from the lender and then pay it off gradually with interest. Furthermore, these are also flexible loans as they’re not meant for fixed purposes such as education, auto purchase, or home. They can be used for any purpose at all.


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EMI Schemes: No Friend to Small Business

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. Continue reading “EMI Schemes: No Friend to Small Business”

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Reasons Why You Should Use Twitter Ads for Your Business’ Advertisement

Why you should use Twitter Ads

Regular users may not find this option necessary. Entrepreneurs wishing to grow their business understand that one needs to spend money to make money. Though other platforms offer advertising options, Twitter has proven to be superior above other social media platforms due to their targeting feature. Other platforms do not provide this kind of accuracy. Continue reading “Reasons Why You Should Use Twitter Ads for Your Business’ Advertisement”

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