When one decides to buy home insurance cover, there are several questions that arise in his or her mind. The first question is, how much a home insurance cover is going to cost me or to put it in other words, what will be the premium amount I would be paying to the house insurance company for coverage. This is a very logical question since it plays a crucial role in determining the degree of protection and coverage needed for your home, taking into consideration the budget you have and other associated economic factors. Continue reading “What does Home insurance policy cost?”
Now, renewing your lapsed car insurance policy is no more remain a daunting task. To expedite the policy renewal process, you can choose to inspect your car yourself with the help of the insurance mobile app. All you need is the latest insurance app and good internet connectivity. This self-inspection process not only helps you save your time but also helps you renew your policy while on the go. The following infographic will help you understand the process involved in a mobile self-inspection of the car. Continue reading “How to do mobile self-inspection for your car”
There are two sure-fire ways of taking your online business to the next level, according to studies complied by Rutgers Online. First, you need to make sure the mobile shopping experience is as good as it can be. More customers are making purchases using nothing but their smartphones and a smooth, enjoyable mobile shopping experience is a must. The second element to consider adding to an online store is the ability to process credit card and mobile payments. Continue reading “Take Your Online Business to the Next Level”
In the present time, business debt is inevitable but there are ways in which you can deal with such debts and get immense help provided you have all the documents of your business in order. You would also have to ensure that all the taxes are paid and current as it is the most vital part of a successful business. It would further ensure that the IRS or the state tax authority cannot hold you liable personally and charge penalties for such defaults in payment. It will also affect the bankruptcy proceedings in an adverse manner if you do not pay taxes on time. Continue reading “Things To Ensure Before You Want Help During Business Debt”
Falling in debt is no crime when you are doing business. Neither is it something by which you can lose all your property and belongings. Well, on this aspect, there has to certain concern. It is not that easy to get revived unless the debts are not attended well. On many occasions, it is seen that eth startup companies fall easily without having much growth. Well, the reason may be many. The primary among them is the increased rate of debt that has been increased under your rand name. Thus, it is imperative to understand the lease period of your loan. Continue reading “Consolidation is a boon to get revived from a business debt”
Being rich is great, but being wealthy has more enduring value. Let’s understand how to move from being rich to being wealthy.
All of us dream of a stable life for ourselves, where there is enough money in our account to meet all our expenses. Some of us have a lot of money in our hands at intermittent points of time, but this does not mean that we are wealthy. Let us examine the difference between the two concepts: Continue reading “5 The main difference being super rich and being wealthy”
As more and more Indians get access to banking, they are also looking to create wealth by the simple expedient of keeping their savings invested for longer periods of time.
It is safe to assume that India is in the midst of a banking revolution, the likes of which has never been seen before in the country.
The World Bank estimated that up to the year 2014, the penetration of banks in all segments of India increased from 35% in 2010 to 53% in 2014. When the ruling political parties at the Centre changed in 2014 and the present Government floated its Jan DhanYojana Scheme, a further proliferation of savings bank accounts took place. The scheme aimed at financial inclusion for all classes and masses of society – and by January 2015, over 125 million new bank accounts had been opened. Continue reading “Savings accounts, and the trend of annual interest return”
Last Sunday, when my mother told me that I look like my father, there was a quick flashback of what we all had to endure in the past few years. A few years ago, a truck coming from the wrong direction hit my Dad’s car. A passerby took my father to a hospital where he was admitted for 20 days. His legs crippled forever! As I was quite young at that time, my mother did not tell anything about my father’s accident. Continue reading “I wish my dad had bought a Personal Accident Insurance Policy!”
While rising debt levels and the return of 100% mortgages may be interpreted as portents for another global recession, neither of these are as concerning as the words of Wall Street trader Steve Eisman. Eisman, who shot to fame by short-selling supposedly A-rated mortgage securities after successfully forecasting the decline of America’s sub-prime housing market, has emerged as one of the most prominent day traders in the world and has recently predicted that Europe’s banks may be about to collapse and trigger a further period of sustained austerity. Continue reading “What Are the Best Resources for Learning About Day Trading?”
There is not necessarily a clear distinction among the terms financial planning firm, financial advisor, private wealth Management Company, and individual wealth manager. But according to Investopedia, Wealth management is a high-level professional service that combines financial and investment advice, accounting and tax services, retirement planning and legal or estate planning for one set fee. Continue reading “What Is Wealth Management?”
American businesses, both small and large, face a lot of challenges, especially in their infancy. Arguably, one of the biggest challenges that they face is tax regulations. Often times, these regulatory obstacles can be a silent killer that cripples an otherwise growing business to the point of no return. In other cases, it presents an on-going mission to find ways to dodge regulations and pay less taxes to ultimately improve profits. Continue reading “5 Reasons Tax Regulations Challenge American Businesses”
In recent times, one major area which is revolutionising industries is the emergence of digital economy. Consumers are spending a lot of time researching on the web before a decision is made to consume any service or product. While some consumers add on the Research Online Purchase Offline (ROPOFF) effect, the growing popularity of e-commerce portals is a testimony of the increasing Research Online Purchase Online (ROPON) effect. In a market research that was recently conducted by Social Times,it was revealed that 81% of all customers conduct research online before making any purchasing decision. And this holds true for all category of products and services, like consumer durables, banking services, fashion, tourism, etc. Insurance, therefore is yet another area which consumers search online extensively for information before taking a call. Continue reading “Research online for Insurance made easy – HDFC Life Click2Insure”
In an attempt to stop the circulation of fake notes, especially in the black money market, the Central government of India has declared that the specific bills of 500 & 1000 rupees, will be banned or decommissioned.
In a one shot bold exercise to stop the circulation of fake financial bills, especially in the turmoils of a second invisible black money market, the Central government of India under the leadership of Narendra Modi governmenthas declared that the specific bills of 500 & 1000 rupees, will be banned or decommissioned. Continue reading “PM Narendra Modi decommissions 500 & 1000 Rupee Notes”
Indians traditionally have a different socio-economic ecosystem when compared to many of the western economies. Our ecosystem is less reliant on social security provisions and working professionals attempt to save a significant part of their monthly income for their future needs. These savings are envisaged to provide for medical needs, their children’s education and marriage needs and sustenance for old life. But how does such needs get systematically eroded? Continue reading “Protect your savings from systematic decay – Paise Ko Jagaao”
Efforts by the RBI have made it easier to get housing loans in India. To know what you should consider before taking a home loan, read on!
In October 2016, The Reserve Bank of India (RBI) took a revolutionary step by increasing the amount of money that banks could lend for the purchase of property in India. The central bank also reduced the risk factors attached to such loans, and the focus was clearly on providing a boost to an otherwise struggling real estate market in the country. Continue reading “Need a Home Loan? Here is How to Select the Perfect Lender”
I receive many emails about which Forex companies provide the best managed Forex accounts service, so in this article I want to explain what is Forex managed account service and its advantages and disadvantages, I will show you also where you can find the best Forex managed account companies. Continue reading “Best Managed Forex accounts service in the world”
A type of forex account that permits the trader to go in positions that are one-tenth the size of the average lot of 100,000 units. A 1 pip change in a currency pair, is equivalent to $1 while trading a mini lot, associated to $10 for a standard-lot trade. Mini lots are accessible to trade, if you open a mini forex account with a Forex mini broker then read this article carefully. Continue reading “What is mini forex trading”
We have just this one life to get a multitude of things accomplished at certain key stages in our lives. Once we have been set on the path of growth and maturity by our parents, backed by whatever we have learned in our youth, we arrive at the doorsteps of a career. From there on, it is a familiar story with some unexpected twists and turns which, if not anticipated, can leave you wishing you had a second chance. Here is what you can do to safeguard your life from regrets and what you can actually do with your time here on earth. Continue reading “Things to Do Before You Turn 30”
Finding the right Forex broker is one of the greatest important keys on how you can succeed in Forex trading. To earn money without exerting too much effort and energy Forex trading is an excellent medium. The industry of Forex trading provides never-ending opportunities to make money particularly for the clever traders. Using the best method for Forex trading is undeniably the best choice on how you can succeed on this endeavour and earn great profit. To exploit the effectiveness of Forex trading, it is best to obtain the best and reliable Forex broker. Continue reading “How to choose the right UK Forex broker”
The money you make can grow only upon investment – but picking the right investment instrument is key. We recommend monthly income plans.
Pursuant to the adage that a man may do what he likes with his wealth is the line of thought: ‘How does one create wealth in the first place?’ This is a question that has puzzled legions of salaried and self-employed people from time immemorial. While there are several answers to this question, there are only a few that actually work. Continue reading “An investment that gives you regular returns”
Picking the right life insurance plan is key to protecting not just your financial interests but also your family’s future in your absence.
If you really think about it, everything about life is uncertain. You cannot predict if you will find the love of your life. You do not know if you will ever have a high-paying job. You cannot say if you will always be happy or healthy, or that your parents will still be around to play with their grandchildren. There are very few factors in your life that you can actually control. After all, when was the last time you accurately predicted that something good or bad was about to happen? Better yet, when was the last time you were able to avert an unfortunate event in the nick of time?
The fear that you will abruptly cease to be in the lives of your loved ones is a very real one. Apart from grappling with the emotional trauma of losing you, your family may also suffer the pangs of financial suffering. This vision can keep you awake at night, and wreak havoc with your mental peace. Continue reading “Life insurance plans are made keeping you and your family in mind”
Up to a decade ago, most people believed in saving up to buy a house of their dreams. After most of the money for the house was collected, the shortfall would be met by borrowing from relatives or taking a housing loan from a bank. Today, however, the situation has reversed completely.
Real estate is extremely expensive in India today, and as gross incomes rise, more and more people are choosing to take home loans to fund the major part of the house purchase. Younger age groups, too, are opting to buy homes in their 20s so as to create a valuable asset for the future. Responding to the need for housing in the country’s metros, Tier II and III cities and upcoming towns, a multitude of Indian banks and financial institutions are offering home loans to suit customers’ needs. Continue reading “Housing loans: The longer the payback period, the better”
Just like learning any basic activity in life, it is equally important to learn the equity trading the right way. There are a few simple steps that you have to begin with, in the process of learning anything and same goes with the equity trading as well. So if you too are a new investor who is trying to learn several things before trying the hands on the various aspects of the stock market, keep on reading through the details that have been discussed in the sentences that follow. Continue reading “5 simple steps to learn equity trading”
It goes without saying that investing in life insurance is a big deal. Life insurance is defined as a bipartite contract between an insurance policy holder (an individual) and an insurer (an organization), where the insurer promises to pay a pre established beneficiary (often close family members like wife, children, husband, or parents) a pre decided sum of money (the benefit) in exchange for a periodically paid premium, upon the death of the insured policy holder. The policy holder typically pays a periodic premium (say monthly or yearly) or a one time lump some payment towards the insurance policy. Since it is a considerable investment, at the end of the day, no one wants to purchase the wrong insurance or pay for a plan that’s far beyond their needs.
Keeping that in mind, here are 20 tips to help you get the best insurance for your needs. Continue reading “20 Things You Need to Know and Consider Before Buying Life Insurance”
Are you struggling to save money? You are not alone. A recent survey conducted by Bankrate.com revealed that 60% of respondents would be forced to empty their savings in the event of a financial emergency such as a job loss, an unexpected medical bill or car repair.
One of the main reasons why most of us can’t save money is failure to budget. Budgeting, particularly via the pen-and-paper method – which is typically tiring, time consuming and cumbersome, can be a daunting task. And, of course, we all know that tracking finances in our heads never works out, whether it is due to forgetfulness, impulse, or a myriad of other things. Continue reading “Top 4 Mobile Apps for Personal Financial Management”
Credit unions are not-for-profit, tax-exempt financial institutions or cooperatives that are owned by their members. They are created and operated for the purpose of providing a variety of financial products and services to their members, which include savings options, access to fairly priced credit, financial education, and facilities where transactions can be made at equitable cost.
Being a member of a credit union offers unique benefits that cannot be provided by other types of financial organizations like banks and microfinance institutions that derive their funding from investors, grants, and external loans.
To get you acquainted with some of these advantages, we’re providing you with a rundown of the most popular ones below. Continue reading “Fantastic Advantages of Joining a Credit Union”
While investors have gotten used to scaremongering in the wake of Brexit, the economy continues to struggle in the face of sustained volatility. This shows no sign of abating earlier, with corporate sentiment in the UK plummeting and the country thought to be on the verge of a recession.
British stocks and the pound sterling are also continuing to fluctuate, as while they remain higher than during the initial post-Brexit slump there is still considerable room for improvement. This demands that investors take a technical approach to the markets, as they seek to minimise risk and profit in a depreciating economy. Continue reading “How to analyse the Modern Trading Markets: 3 Key Tools and Strategies”
If your excellent business idea is hampered by a lack of funds, these tips to raise capital will help you go a long way.
India is currently witnessing a burgeoning start-up culture that is making millionaires out of some business owners. The best ideas are not just becoming successful domestically, they are also generating huge funding from foreign investors. At the same time, several other small businesses are waiting to see the light of day owing to lack of capital. If your business is one of the latter, you need to consider these: Continue reading “Financing small businesses: Tips for SMEs”
One of the sad truths of life is that we all face that moment when all of it goes away. Of course, none of us are really prepared for those moments which take our breath away, in a very different way. We can however plan, if such a thing happens, when we least expect it, so that our loved ones are taken care of. While we may not be there personally in those moments of stress and need, we can at least plan in such a way that such stressful moments of life be taken care of, at least financially. Continue reading “Life Insurance – For those undesirable moments in life”
Life is unpredictable and full of ifs and buts. It is important to keep your family members secured in your absence. A term plan is an insurance solution that provides financial security to your family members in case an unfortunate event of death occurs to you. A term insurance plan ensures that the entire sum assured is provided to the nominee in case an event of death occurs to the policyholder. This Sum assured can be utilized the way your spouse/ nominee wishes to use it – pay bills, pay EMIs, pay for child’s school fees, health bills, etc Continue reading “Term insurance plans review”