Saving, investing and making money with technology

Month: June 2018

Tips to Getting the Perfect Car

Owning a new car  has never been easier thanks to Cars.com. It is an exceptional online destination that caters to diverse and unique needs of vehicle buyers. Here you can access very many models on sale allowing you to choose the one that delights your heart. It is a one stop shop regardless of the budget you are working with because it deals with both new and used models.

To avoid wasting client’s time, the site verifies dealers and owners selling vehicles. It allows you to rest easy knowing that you will get an auto to cruise with rather than wasting time dealing with one problem after another. When you are not too sure about the vehicle to invest in, there is no need to worry as the site offers comprehensive reviews of the car. This allows buyers to get all essential information they need about different options to help them make a choice that works best for them to avoid regrets in the future. As an industry leader, the company partners with top organizations like Auto.com, NewCars.com, and RepairPal.com to ensure that clients only enjoy first-class services to benefit from 100% satisfaction.

Worth noting is that the site offers the best rates in the market. Transparency is a core business principle; thus, you do not have to stress about any fraud or exploitation. They enable clients to estimate payments which can help with effective budgeting. Furthermore, the company also offers service and repair services which ascertain that your beloved vehicle is always in tip top condition today. Contact Cars.com today to browse through the largest digital automotive platform to drive away in your dream car effortlessly.

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Need of a Developer and Programmer in Today’s Time

Programming languages like C, C++, and Java are something that you need in today’s technology at very platform. Although the languages like HTML are quite trending nowadays yet Java is something that every developer is expected to be aware of? However, the developers who usually are good in this type of language are not much clear with other things. Talking about other things are the personality and communication which is quite important to be known especially when you would be attempting a communication with the client. This is the main reason why guidelines given below can help you hire a good programmer.

The need of a developer and programmer:

In today’s time, every technology in some or the other way directly or indirectly depends on languages and programming made from Java, c, and HTML. C is one of the oldest languages and is not used any longer. But it is the main reasons why other language came into existence. And that is the main reasons why a person is expected to have knowledge of each language at least to a basic extent along with the language in which he is expertise. This would save a lot of time to train the individual and the company can later focus on other crucial things.

Understanding the purpose of hiring:

If you wish to expand in the global market, then you ought to have the team who can actually help you get better success. For this, the team consisting of good developers can be helpful for you. In the progressing world of technology, choosing the team of developers and programmers can help you connect to huge number of audience, save them in a better way and win against the odds that a competitive market offers. This way, you get a better scope to grow in the market.

Using the right questions pattern

For every company that needs a java developer needs to understand if the person has got knowledge about MVC Framework like JSF, Struts, or Spring MVC. It is important to ask questions on some of the crucial ones that can give the recruiter a clear idea about the person understands for such particular language. This would eventually give an idea to the recruiter if the candidate can actually understand some other technologies like API and Hibernate that may prove to be an added advantage for your company’s growth. So ask as many questions as you can and know if you are doing the right hiring.

No doubt the demand for programmer and developers has increased quite a lot. But if you want to make the right use of such option, it is important to consider the right approach of hiring. Above guidelines can certainly help you come across the right candidate. But again, look for the help of expert who has been creating some efficient java online test by which you can assess the skills of the candidate and know the speed and alertness the person has got. So what are you waiting for? Start with your search today and find a capable person who can help your company grow.

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Making the Time Schedule for GRE Preparation

Everyone prepares for GRE, the Graduate Record Examination whose score most universities in the US ask for when you want to study there. One thing to note is that both engineering and science students apply for GRE and so the exam is tough. Another thing you should keep in mind is that not all universities need the GRE score. But, having the GRE score will ease things out in getting your visa when you want to go abroad. The visa officers consider both your academic record and the GRE score to determine if you should get the visa.

Join a Good Coaching Centre

Preparing for the GRE is tough work. You can get the best coaching for GRE in Bangalore at the coaching institutes there. Be sure to choose one that has 20 years of coaching experience at least. This way you are sure to get quality study material, knowledgeable staff, and excellent mock-ups. Another thing you can check is whether they have the most number of students with 1450+ scores in SAT and most students in India who scored more than 700 in GMAT.

Make a plan for the study. The schedule is important; so do that first. The aim of the preparation is here:

  1. Be thorough with the format
  2. Know where you are strong and where you need more preparation
  3. Strengthen the basic skills
  4. Make changes to the study plan

When you become thorough with the format, you begin to think like the person that succeeds in GRE. if you flounder when you think of the question format, then your mind will chase needless shadows wondering about silly things. Answer old question papers to begin. Join the centre that gives the  best GRE coaching in Bangalore and you are halfway home. They will give you old question papers to solve.

Make a Self-Assessment First

Find out the strengths and weaknesses first. If you are good at Verbal Reasoning and Quantitative Reasoning, then you must concentrate more on Analytical Writing, which is the third part. By beginning your preparation for your weakest part first, you will have more preparation and will become adept in this part also.

The candidate without full preparation will not get good scores. Go over the entire syllabus three or four times if possible. When you go over it again, you see many mistakes in your preparation the previous time. The time will pass fast and so you will need to make changes to the study plan as you go along.

Begin Preparing Before Leaving College

Get started on the preparation well before you finish college. In fact, begin studying the penultimate year itself. Ask the advice from seniors who have passed GRE. They will tell you about the best time schedule for preparation. Spend some time making the time schedule for studying first.

Preparing with the help of a coaching centre helps because you know what the others are studying. You can read it and then prepare something extra so you get ahead of the group. You need the GRE scores only for the US universities though many others are beginning to accept it for giving admission.

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How to Use a GST Calculator to Know Your Liability Value

When it comes to using a GST Calculator, you should certainly be aware of the process before venturing to calculate the liabilities. Calculating the GST which is payable when you are filing returns can be a challenging assignment in itself. Taxpayers should be aware of all aspects including non-eligible ITC (input tax credit), eligible ITC, inter-state sales, reverse charge and exempted supplies prior to the calculation of the GST amount that has to be paid. If a lower amount is paid by you, interest at the rate of 18% on the remainder will have to be paid.

This makes it necessary to calculate the right GST amount which is payable. The liability will be worked out by the addition of the GST on output supplies, reverse charge and inward supplies. The opening balance of the electronic credit ledger and electronic cash ledger will be taken into account when working out the GST liability for a single month. Liability is automatically calculated when GST returns are filed each month. However, liability calculations may be required by the taxpayer beforehand in order to keep money aside for liability.

This is where a GST Calculator comes in very handy indeed. In this calculator, you will have to enter in the month for which you are doing calculations, the due date for filing returns for the month, actual return filing date, purchases on which reverse charge mechanism applies, total tax liability for the month, opening cash ledger balance, eligible ITC (GSTR-2) and the opening balance of your credit ledger. The other sections will be automatically worked out on the basis of your entries.

The GST Calculator also helps in calculating the output tax liability. This can be worked out by multiplying the GST rate with the total value of advances and supplies. Suppose Rs.20 lakh is the total value of interstate sales with Rs.10 lakh being the total value of intrastate sales. Suppose the interstate advanced garnered by you is Rs.5 lakh. IGST in this case will be 20 lakh * 18% = 3,60, 000 + 5 lakh * 18% =Rs.90,000, i.e. the total IGST will be Rs.4,50, 000/-

On the other hand, CGST and SGST will be 10 lakh *9 % = Rs. 90,000 each. These values have to be keyed in the columns provided. GSTR-3B also offers adequate information in this regard. Also, taxpayers who have company turnover up to Rs.1.5 crore will not be required to pay GST on advances arising from supply of goods. GST on these supplies will only be paid when those goods are supplied.

The opening balances of the electronic credit ledger and electronic cash ledger can be found via the GST portal. Upon keying in all these numbers, there will be automatic calculation of GST liability. In addition to GST liability, late fees if applicable and interest will also be worked out accordingly.

Also Read : All you need to know about GST

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How Is Online Learning Revolutionizing the Education?

There are several constraints in the traditional learning methodologies. There have been several reforms to make learning more effective and at present, online learning is the new talk in the education sector.

Online learning can be defined as a type of learning where the learning process is facilitated by the internet. In other words, in online learning, the learners use the internet to learn. At present online education is widely recognized and used. Now, almost every individual who owns a digital device uses online learning in some form or the other.

There are several advantages of online learning. In this article, some of the most important benefits of online learning are mentioned which shows how online learning is revolutionizing the traditional learning systems.

  • Availability and Cost
    Online learning has made information easily available and at lower costs. Any individual can access any information at any time and from anywhere from the internet. Even online courses are cheaper than traditional courses as the cost of physical space is no longer needed. Students can even download their course materials for free. For example, a CBSE class 7 student can easily download NCERT Solutions For Class 7 Maths and clear their doubts in an instance.
  • Engagement
    Through online learning, students can learn different concepts from the video lessons. Students can also learn from simulations and educational games. Most of the online learning platforms use 3D animations and graphics to increase the engagement of the students. Most of them also integrate online games and simulations to help them understand the concepts better. This way students can easily visualize what they learn and retain the concepts for longer.
  • Personalized Learning and Progress Analysis
    Adaptive technology has made personalized learning possible. Many online courses use big data analytics to understand the learning pattern of the students and provide personalized content. Apart from personalized content, students are also provided with a detailed progress report which can help them to track their progress easily.
  • Numerous Learning Opportunities
    With the advent of the internet and online learning, the learning opportunities of the students have increased tremendously. Now, any individual from any corner of the world can learn what they wish easily and often without any cost. Students also have the liberty to choose any course to advance their skills. Apart from that, individuals can access global content with just a few clicks.
  • Online Tests
    One of the major advantages of online learning is that they help the students to get acquainted with the online test-taking environment. This is extremely helpful for the applicants of competitive exams as most of the exams are online. Apart from getting acquainted with the online test-taking environment, students can also strategize their personal test-taking strategies.These were a few advantages that online learning has on the education sector. With the help of the internet, students can easily clear their doubts at an instance. This is extremely helpful for the school students as they can clear any doubt without having to wait for the teacher. CBSE or ICSE students of any class can clear their textbook doubts easily as the Solutions are easily available. NCERT Solutions For Class 8 Maths or science or for any class is easily available online now.In the near future, online learning will be an integral part of the education system and will surely revolutionize the education process by making learning more effective, engaging and user-friendly.
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Thinking of long-term investments? Here is how you should proceed

Investments are an excellent way to save and make money. Whether it is investing in gold and real estate or venturing into equity or passion investments, the various methods require one to bear the market risks as he or she awaits a healthy return on investment. One caution many would recommend against the risks the market poses is to invest long-term so that your capital can bear out any fluctuations and post growth over a period.

If you too are considering long-term investments, here are some tips on how to proceed to ensure the best returns:

Research

Smart investment requires in-depth analysis. One needs to be aware of the company’s promising products and strategies. Various comparison websites and other online resources help people understand and analyze investments today. If going for a unit trust or a mutual fund, it is also advisable to look at the fund’s performance over the past few years and check the management fee as well.

Diversify

No matter how brilliant a single option seems, diversifying your capital is of utmost importance – be it through the stock market, bonds, mutual funds, or any other instruments. As a general rule, it is advisable not to invest more than 10% of your portfolio in a single instrument. Diversifying provides the investor protection against a collapse in any particular sector over a long duration of time.

Maintain a balanced portfolio

Every investor wants to stay in the market with minimal risks, and the key to moderate risk appetite is a balanced portfolio. Help your investments generate a decent CAGR with a healthy mix of small-cap, midcap, multi-cap, and large-cap. Take higher risks during the initial years to create a suitable initial corpus and compounding returns can be enjoyed towards the later years.

Do not hurry

Perhaps the most crucial piece of advice for a long-term investor is to take the long view. Trading frequently is a no since the commission is bound to eat into one’s funds. It is equally necessary not to follow the trends and fads and diversify in a smart, sensible way. A lot of investors panic when the market occasionally crashes, but over the years, it is bound to crash some time or the other. Rather than the time to take preventive measures, consider a crash as a buying opportunity.

While age-old investment methods like fixed deposits are still in high demand because of the safety net they provide and some schemes like Bajaj Finance Fixed Deposit also provide a high FD interest rate of 8.40%, with additional rates of interest for senior citizens. You can use the online Fixed Deposit Interest Calculator to check how much you can gain by investing in an FD.

So, while fixed deposits are indeed the way to go for those unwilling to take any risks, people who can afford to stay in the market should go for the other available options. The longer you invest for, the more protected you are against market fluctuations and the higher returns you can enjoy.

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Skills You Must Learn In Order To Save Money

Even though most people who work to earn their living have a clear idea about what they are going to do with their earnings, a majority of them fail in one aspect – savings. Yes, there is that dream amount of monthly savings but so often people fail to meet that goal and end up blaming it on various reasons. Just like earning money requires skills, so does saving money. It is a smart tactic which most affluent people practice without having to come off as a cheapskate. All it takes is some discipline and some skills which anyone can hone with time and patience. Here are some of them.

Hunting for deals

One of the most significant monetary skills you can learn is the cleverness of deal hunting. Not to be mistaken by the occasional browsing of clearance racks at preferred clothing stores, hunting for deals requires a nose for good deals and the experience of an investor. It requires a person to have his eyes and ears open at all times. A small property opening at a sector which offers 30% growth in ten years – tie it down. A noted supermarket conducts fire sales at a certain time of the year – make sure all shopping activities are arranged keeping in mind the annual date of the sale. All of these small factors could not only help a person to save extraordinary amounts on a regular basis, they also get to maintain a healthy level of lifestyle by paying less.

Self management of financial tasks

Learning to manage ones’ finances sensibly helps in saving a lot of money. It can help a person to avoid paying excessive interest on credit cards, dodge needless bank charges and save on other expenses. Learning to comprehend legal or fiscal papers can help people determine whether or not they are taking the finest contract on their mortgage or selecting the top checking account. In order to start becoming a self-manager of person finances, here are the first steps everyone must take –

* Recite the fine print for every bank account. Double check to find a better option at the bank.

* Balance all bank accounts on a regular basis.

* When taking a loan, make sure that only the best offer on the market is getting selected.

Making a budget

A personalized budget can easily be created using the programming language C#. For better insight, you can visit portals like Csharp-Station.Com – a community website for ambitious people willing to make their customized applications. Once the users are able to master functions such as how to execute stored procedure in ASP Net Using C# they can create their own budgets that can be strict and compact.

Learning about investing

Once the savings are on track, every financially ambitious person must sit down with an expert and think about multiplying his savings. Investing is a skill set that is most important for anyone looking to make it big in the modern market.

By developing these skills, anyone can become smarter and wealthier. These skills can be mastered with a little bit of effort, and the rewards can be lost lasting.

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The Best Way To Start Your Own Consulting Business

You know, I remember once, a consultant recently told me “People don’t see a need for my offer.” And they went on to explain that their offer isn’t getting any traction. And that their ideal consulting clients aren’t really interested in it. You know, it’s like they’re fishing for a trophy client and yet no one is willing to take the bait. This is quite a common concern I hear from consultants.

We all should know there are thousands of true professionals that have dreamed about starting their own consulting business. And It seems like a great career path. You know, hang a shingle, bring in clients, be your own boss, do awesome things and make bank.Consulting, as it turns out, isn’t sexy, glamorous, or as easy as it seems. And it can downright hard — harder than you might think. I would encourage anyone with the smart to start a consulting business. But I also offer cautions — a few yield signs that could save you a lot of grief and get you closer to achieving your dreams.

I remember a while back that I was consulting with a client who told me about a sales incentive they ran years ago. And It worked very well. And they broke sales records easily. They were very ecstatic about the great results. I asked, “So, why did you stop running that incentive?” They looked at me kind of puzzled. And they started scratching their heads. Then shrugged. Why stop running a program if it gets you really good results? Why stop investing in something if it provides you with a great results.

Solving Problems

You know, I had a great year, adding close to ten thousand dollars in new revenue, and the business is growing very well. I’ve experienced a lot this year! And I’ve worked with some of the largest consulting companies and consulted for some of the world’s biggest businesses, in America and the World. And when I started to grow my own consulting business I wanted to consult with the best consultants in this business. And I have been working with the best consultants in the business. It’s been a great investment. What a blast, total income online.

And also, if you’re like most people who gives professional advice and or service, you went to business school, or medical school or learned a technical skill. Got a job and started on a career. One day, though, you wondered where that career is going. It’s only a matter of time until you find that no job is secure. You think, is a merger is coming? Then there are outsourcing rumors? Or is technology taking jobs? And then you either quit or your job goes away.Now what? Some people say all you need is a phone and a laptop to go in to business. So you do, and find your first client – usually a friend or colleague.

Effective Diagnosis

But eventually, you got hit with the reality getting other clients isn’t that easy, and that there’s a lot of tasks you were never taught in school. That is, running a business means a lot more than just being great at your special skill. And what’s your business model? And are you no more than a “contractor” … performing hourly services to just a handful of clients because that’s all you can handle? What if you land a large account, but can’t scale up to their need?

Each year management consultants in the United States receive more than $2 billion for their services.1 Much of this money pays for impractical data and poorly implemented recommendations.2 To reduce this waste, clients need a better understanding of what consulting assignments can accomplish. They need to ask more from such advisers, who in turn must learn to satisfy expanded expectations.

 

Recommending Actions

You know, the engagement characteristically concludes with a written report or oral presentation that summarizes what the consultant has learned and that recommends in some detail what the client should do. And firms will devote a great deal of effort to designing their reports so that the information and analysis are clearly presented and the recommendations are convincingly related to the diagnosis on which they are based. And a lot of people would probably say that the purpose of the engagement is fulfilled when the professional presents a consistent, logical action plan of steps designed to improve the diagnosed problem. The consultant recommends, and the client decides whether and how to implement.

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12 Quick Tips to Cut Down Your Monthly Budget

If you want to save money, pay attention to how you’re spending it. Little luxuries like a latte every morning add up fast. But if you’ve been pinching pennies for a while and feel like you’re getting nowhere, it may be time to reevaluate your priorities. These tips provide specific steps you can take to reduce your bills and trim the fat from your monthly budget without scrimping on the good stuff.

1. Plan your meals

After a busy day, the last thing you want to do is more work in the kitchen. But if you plan for quick and easy weeknight meals, making dinner doesn’t have to be a chore. Avoid the take-out trap by prepping your breakfast or lunches for the week, and watch those few dollars a day add up to significant savings over the course of a month. Once you’ve planned your meals for the week, craft a grocery shopping list to keep you on track when you’re cruising the aisles. Also, remember that grocery shopping hungry is a recipe for disaster.

2. Cut the cord

Look carefully at the cost of cable or satellite TV and decide if it’s worth it for your household. Most of the time, you can catch your favorite shows with subscriptions to streaming services like Sling TV or Hulu. Not sure if cutting the cord makes sense for you? This cord-cutting tool will let you select which channels you can’t live without and recommend a streaming package that fits your viewing priorities. Cutting the cord may save you up to $100 per month, so it’s worth a shot.

3. Energy savings add up

Every penny counts, and that’s especially true of energy consumption. You may not realize it, but with a few minor tweaks and changes, you could increase your energy efficiency and save hundreds of dollars per year. An excellent place to start is the Energy Saver Guide published by the Department of Energy. It’s full of tips to help you save money at home, including how to conduct an energy audit, weatherize your home, and choose energy efficient appliances.

4. Plan for big purchases

Need a new car or plan to go back to school this year? Work those big purchases into your monthly budget as smaller line items so when it comes time to pay the bills, you’ll have enough set aside to cover the costs. This system works well even for luxuries and can help you appreciate the effort it takes to afford these items rather than feeling guilty about splurging.

5. Take advantage of discount days

Just because you’re trying to save money doesn’t mean you have to scrimp on the fun. Look for coupons for local activities and entertainment or catch an afternoon matinee to see the latest blockbuster. You can also check out local attractions during free museum day or check online to schedule your next visit for a discount day.

6. Play it safe and stay in

Partying it up at home has lots of hidden benefits, including not having to call an Uber at the end of the night. Offer to play host and have your friends congregate at your place for a potluck dinner party or take turns having a weekly cocktail hour. If you have a large group of friends willing to chip in, you’ll get a change of scenery along with your savings.

7. Clean house

This tip applies to more than just tidying up. Go through closets and cupboards looking for things you don’t use anymore. Sell high-priced items in your local classifieds and have a garage sale to generate a little extra cash flow. And if you send things to a local nonprofit, remember to get a receipt. Those donations may be tax deductible.

8. Get it on loan from the library

You’ll be shocked by what you can get on loan from the library these days. In addition to books, music, and movies, you may be able to check out toys, games, tools, and even telescopes. Also, remember that libraries offer community classes on lots of topics from auto repair to computers to financial advice.

9. Give of yourself

Before you go out and buy a last-minute birthday gift, think about what that person in your life would truly appreciate. Volunteer together at their favorite charity, spend a day picnicking at a local park, or craft something truly one-of-a-kind. Often, you’ll discover that giving your time and attention is a much better way to show your love than any gift money could buy.

10. Repurpose, reuse, and recycle

Buying used is an attractive option if you’re looking for a bargain, and it’s also a way to cut down on waste. Shop thrift stores for clothing and furniture, and consider refurbishing electronics instead of forking out extra dough for the latest technology. That old iPhone may work just fine with a new battery and a little TLC.

11. Look into lowering your monthly bills

Car payments, student loans, and insurance bills can be expensive and may be the largest line items on your monthly budget. Do your research online and work the phones to see if you can find yourself a better deal that will lower your monthly payment. While cutting corners on expenses may add up over time, reducing these bills is the easiest way to get more bang for your budgeting buck.

12. Schedule time for finances

Last but certainly not least is scheduling the time to work on your finances monthly. If saving money is a priority for your household, set aside time to evaluate your spending, draft a budget, and invest wisely. As Benjamin Franklin once said, “An investment in knowledge pays the best interest.

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Print Media and Advertising

The most popular form of advertising apart from word of mouth is print advertisement. Advertising agencies swear by its effectiveness and benefits for the brands.

print advertising

Imparting information:

Print advertising holds a higher ground than any other because of its effectiveness to impart information. TVC and radio commercials have limitations of time and loose the directness of the brand message. Hence, print media owns the leverage in diversity of mediums such as brochures, flyers, news paper or magazine ads. It is reportedly more effective in leaving a lasting impact on its subjects.

 

Long lasting:

Print advertising has another reason for being a favourite among advertising agencies; it is because of its capacity and availability for views, reviews and action pertaining to that. It effectively delivers a more enduring message. A print advertisement can endure the passage of time and makes it easy to record the number of audience and the impact of the advertisement is extracting an action.

 

Building image:

Print advertisement is received more easily than any other medium by viewers. It is more trusted source of advertisement according to recent study. Advertisement in reliable magazines and news paper is subject to better acceptance and response. Transparency is the key to success for print media and most recommended by advertising agencies. It is most capable source to building a company image.

 

Easy targets:

Print media has a benefit of targeting audiences. Unlike radio and TVC one can actually allocate their money and advertise according to the target audiences . mailers, flyers, magazines brochures can be delivered according to work areas and localities that are subject to act on  the advertisement. It is prudent to understand print media according to ones target and budget. Done properly, it can create positive reactions and deliver best results to advertising.

 

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