Term insurance plans review

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”

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5 Ways to Raise Cash for Your Business

Are you starting a business, or do you already have a business, but need more money to expand it? If you want to start a business, or already have a business and want to make improvements, there are different types of investors you can look at for your business – they include banks, angel investors, peer to peer lenders, venture capitalists and personal investors. This article will discuss these five different types of investors. Continue reading “5 Ways to Raise Cash for Your Business”

Back Away from The Bin: Why You Shouldn’t Toss That Prospectus

If you read investing articles, especially ones for mutual funds, you may run across the term prospectus. And if you’re an investor, you’ve surely gotten these in the mail. More than likely, they’ve ended up in your recycle bin before you’ve opened the first page. But is trashing the prospectus really that harmless?

It can be. Why? Because knowing how to understand prospectuses is crucial for any investor so they can make an informed decision about buying or selling a stock or other security. Let’s go over what you might expect to see inside of a prospectus. Continue reading “Back Away from The Bin: Why You Shouldn’t Toss That Prospectus”

How to Read a Balance Sheet

Balance Sheet is a summary of what the firm owes and what the firm owns. It is divided into two parts i.e. Liabilities (owes) and Assets (owns). As per the present rule of representation Liabilities are called Sources of Funds and Assets are called Application of Funds. So, let us understand the meaning of these two titles carefully. Continue reading “How to Read a Balance Sheet”

Two Reasons to Get a Working Capital Loan for Your Business

When it comes to financing a business, there are many different options for securing working capital. Some businesses operate completely based on revenue. Others get help from banks or investors. Some entrepreneurs even have enough savings to pour their own assets into their businesses until the ventures begin to turn a profit. Unfortunately, there might be instances where none of those options are workable for your business. You might have a series of customers who haven’t paid their invoices yet, leading to a temporary cash flow problem. Your business might be too young and green to attract investors or get approved for a traditional bank loan. And you might not have the savings necessary to keep your business afloat for the long-term—at least not without risking your personal financial future. Continue reading “Two Reasons to Get a Working Capital Loan for Your Business”

A Complete Guideline for Personal Loans in India

The surge in the number of Personal Loans offered by financial institutions in India can’t be overlooked. Here, we take a look at the reasons for this surge.

A Personal Loan is a debt taken from a financial institution, which must be repaid within a number of years, and at a particular rate of interest rate. The amount you receive from such a loan can be used as per your discretion, be it for home renovation, funding a vacation, or purchasing a vehicle. Keeping that in mind, the loan is only sanctioned after the verification of your income and personal documents.

Although the rate of interest is quite high, many apply for Personal Loan because it allows for a high amount to be dispensed within a short period. Add to that an uncomplicated application process and flexible repayment procedure, and you get a convenient way of getting money when you really need it. Continue reading “A Complete Guideline for Personal Loans in India”

4 Ways to Increase Your Startup’s Chances of Being Funded

Launching a business is usually not cheap, and for this reason the majority of successful entrepreneurs aim to have their startups funded by others rather than relying solely on their own personal funds. Indeed, raising capital is the name of the game when it comes to picking up momentum in the early stages. Unfortunately, if you have no clue how to approach investors, where to find them, or even how to devise a professional looking business plan, you’re probably doubtful that you’ll ever be able to raise enough money to launch a startup. Luckily, with the following four tips you can greatly increase your startup’s chances of being funded almost every time. Continue reading “4 Ways to Increase Your Startup’s Chances of Being Funded”

Spread betting vs CFDs – The Differences to know

Spread betting and CFD trading has many benefits, there are many advantages added to both which are unique in its own way. Both are almost identical and can magnify returns and amplify losses too.

Spread bet permits you to speculate on the financial markets; the difference in the buying and selling if the currency difference is called bid. You are not trading the markets, you’re betting on a variety of possible result supported on the fundamental information. All spread bets have a fixed expiry or ending date. ETX Capital will guide with the options of spread betting and it is a platform for you to choose best investment as per your need. Continue reading “Spread betting vs CFDs – The Differences to know”

Some Advantages to Considering Offshore Investment

Consider the Possibilities

When making the decision to invest your hard-earned pension and retirement money, don’t sign your name blindly.  Consider the following points in your decision-making, and see why choosing to invest offshore can have definite advantages for your bottom line.

Offshore banking for expats has definite advantages that wise retirees are quick to see. As you make your decision of how to move forward with your investment, consider the position of the shareholders, the marketplace, and charitable causes, as outlined below.  Continue reading “Some Advantages to Considering Offshore Investment”

CFD Trading or Margin Lending – What Are the Key Differences

Understanding CFDs

This is known as a tradable instrument, which simulates the fluctuations of the asset underlying it. Whenever you make use of such an opportunity, there may be gains or losses according to the fluctuations of the underlying asset even if the investor never actually owes that asset. In most cases, such an investment would be a partnership or an agreement between a broker and the investor. This kind of trading is effecting significant changes in the financial instruments industry and it is well known that CFD is one of the fastest growing investment products available, although it may not be available in some countries. Continue reading “CFD Trading or Margin Lending – What Are the Key Differences”

Choosing an Accountant: What to Look for and what to Avoid

Picking the right accountant is one of the most important decisions a small business can make. In fact, according to the ICAEW, hiring an accountant can be even more important than taking on a new member of staff. Why? Because whilst a good one can save you time and help your business to grow, a bad one could end up costing you a lot of much-needed money. But with so many accountancy practices out there, selecting the right one for you, isn’t so straightforward.

In this guide I want to look at four of the most important factors you should be considering when hiring an accountant.

Continue reading “Choosing an Accountant: What to Look for and what to Avoid”

A Charity’s Guide to Gift Aid

If you have recently set up or are thinking of setting up a charity or not for profit organisation then it’s likely that you’ll rely on every penny of funding you get, whether that be from government grants, donations or through other channels. One of the ways charities and not-for-profits do this is through Gift Aid. But what is Gift Aid and how does it work.

In this short guide, I want to give an overview of what how Gift Aid works and the rules that govern how it is claimed. Continue reading “A Charity’s Guide to Gift Aid”