Saving, investing and making money with technology

Month: September 2018

Managing Your Savings and Investments Before and After Retirement

Planning your investments starting from when you are young will make sure that you are able to manage your finances throughout your lifetime. While you have a steady source of income through your salaries or business income before retirement, you would want sources of income and income maximization once you are retired. While FDs are the easiest investment options available, there are several others, which, if utilized and optimized could offer attractive returns. Several investment options for senior citizens are available to invest after retirement.  

It is advisable that before your retirement, you invest in schemes that offer diverse returns in the short-term as well as the long-term period. When you are young and have a steady flow of monthly income, it is highly recommended that you invest in schemes that will continue to offer returns post-retirement as well. Even though fixed deposits for Senior Citizens are the most preferred investment option, several others are beneficial and provide steady returns.

Given below are some of the significant and profitable investment options that you can consider for managing your savings and investments before and after your retirement:

Investment Options before Retirement

Mutual Funds

Mutual Funds are an ideal investment option for you when you are looking to build a retirement corpus early in your life. Since this option invests your funds in diverse securities,  the risk is lessened, and you can look forward to higher returns. This way, you can start investing with lesser funds and get more time to save for your future. It is also the preferred options for youth,  who can take risks in investment and have an opportunity to yield higher returns in a shorter time period as well.

Public Provident Fund (PPF)

Offering you attractive returns and interest rates, PPF is a popular scheme backed by the Government of India. One of the main benefits of going for PPF includes exemption from taxes. Availing facilities like loans and withdrawals are made more accessible by investing in this scheme. You can invest any amount ranging from Rs. 500 to Rs. 150,000 every year. The amount deposited in PPF account is available as deduction from your Net Income under section 80C of Income Tax Act, 1961.

Investment Options after Retirement

Senior Citizen Savings Scheme (SCSS)

SCSS is one of the most preferred investment option for senior citizens and early retirees for a good reason. SCSS currently provides the highest tax-exempted returns as compared to other similar schemes for senior citizens. In this scheme also, the investor can get tax benefits under Section 80C.

Fixed Deposits

Fixed Deposit investment is a favourite among the Indian audience. FD Interest rates are usually desirable, guaranteeing minimal risk, which makes it one of the safest investments out there. There are special FDs for Senior Citizens as well, which can be beneficial in multiplying savings after retirement. You can use the FD Calculator to help you choose the best FD according to your preference and need.

NBFCs like Bajaj Finance provide FDs with a higher interest rate compared to the banks. Moreover, the flexible tenor options make Fixed Deposits by Bajaj Finance, one of the most touted investment options among senior citizens. There are also other features such as online account management, easy withdrawals, and convenient foreclosure options, which can make it very easy for you to manage your transactions and payments.

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KidsEmail: The Best and Safest Email for Your Children

When I growing up I didn’t really know how to use a computer. But later I learned how to use it. Then I started using email for the first time when I was about 12, through a telnet session to a server located at the elementary school library where I went to school. My older brother could probably access this email whenever he wanted to, to make sure I wasn’t doing anything dangerous. Not that it was that easy back then – loading a simple image online took about 5 minutes.

Well, things are kind of different today, and any kid who knows how to use a computer can easily get and use an email account. If those email accounts are unsupervised, it can be rather disquieting for the parents, who have no idea who their kids are corresponding with. Yes, you can prevent your kids from having email altogether, or let them have a Gmail account while keeping an eye on what’s going on, but there’s also a different solution – specialized email apps for kids.

You know, as more and more online services require accounts and email addresses to use them, children will want their own email addresses sooner. And I think, if your kids are interested in their own email addresses, don’t panic. Because, nowadays there are a lot programs that provide safe email for young kids. Most email options for kids make use of a “white list” which is a list of approved email addresses as determined by parents. Spam and other unwanted messages generally can’t get through.

About KidsEmail

KidsEmail.org was established in 2009. The concept and idea was written and designed to be a part of the solution to protect children and families online. KidsEmail.org was designed to provide safe email for kids.

And KidsEmail is a comprehensive web-based email program that allows you to choose between a white list and a black list (block out unwanted senders). It has filters, parent controls such as time limits, parent blind carbon copies, and the ability to block out images and certain kinds of attachments. You’re allowed up to four child accounts per adult account.

And also, you won’t have to be worried about any strangers emailing your child. Parents should keep their child’s tech skills in mind when setting rules for computer use. A technologically precocious child who feels that their privacy is being invaded may seek alternative free email options without their parent’s knowledge. Each service differs slightly ​from what it provides, there’s sure to be one that meets your specific needs.

You can Register A Free Account and Try These Features

  1. Everyone gets 30 days free to try KidsEmail after registering a free account. As a professional Email system for children, KidsEmail has many useful and thoughtful features:
  2. Mail Monitoring: receive a copy of all incoming and/or outgoing email that is sent to/from your child. Of course, you can choose to enable/disable it easily.
  3. Time Restrictions: set a limit on the amount of time your child is allowed to spend on email. Also allows a parent to set up a punishment by shutting down access for a set amount of time.
  4. Mail queue: intercept an email that failed the safety rules that you set for your child. Approve, deny or remove, it’s up to you.
  5. Contact Manager: parents can choose who can contact their child.
  6. Custom Mailbox Folders: children can create their own custom mail folder to organize received email.
  7. GPS -allows parents to track a child’s location when they are using the mobile application.
  8. No Ads
  9. SPAM Filters

There Pricing and Plans are Great

  • Trial – Try it out free for 30 days
  • Annual $2/99 Month – 12 months + 1 month Free!
    Up to 6 Email Accounts
  • Monthly – $4.95/Month
    Up to 4 Email Accounts
  • I have already registered for the trial package.

KidsEmail.org is a safe email service for kids and families. Your kids can now have a safe email for kids account while allowing parents to be aware of any correspondence their children send and receive.

Safety rules I find very helpful:

  1. Remove Links and Images
  2. Control Attachments Types
  3. Offensive Word Filter
  4. Spam Filtering

Special features the kids will really enjoy

  1. Read It

The children can easily select “read it” on an incoming message which will then read the email out loud to the child. Kids can have fun and improve their confidence while learning to read their email on their own.

2. Drawing Board

KidsEmail offers a fun drawing board for kids. The drawing board allows kids to express themselves by drawing and sending pictures via email to friends and family. Kids love being able to share their creativity with their loved ones!

You can Install KidsEmail on Any Devices

And the Users can freely download and install KidsEmail on any iOS, Android and Kindle Fire devices.

​I really love this app, because it is the best way for your children to start using email and that’s with KidsEmail. And I know the kids would love this app, too and parents would let them contact the whole world without any worrying.

Keep up with them on social media

Facebook: https://www.facebook.com/KidsEmail.org
Twitter: https://twitter.com/KidsEmail
Pinterest: https://www.pinterest.com/kidsemail1/
Google+: https://plus.google.com/+KidsemailOrg
Instagram: https://www.instagram.com/kidsemail/

Registration

Registration is easy, everyone gets 30 days free with no obligation to enter any payment. If you don’t have an account already, please ​register here​.

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Sony WH-1000XM3 Review: The Best Noise Canceling Headphones

You know that Sony’s 1000X line of wireless headphones have become the market leader for noise-canceling headsets, and this year at IFA 2018, the company has announced the latest (and greatest) model: Sony WH-the 1000X M3, which offer better noise canceling, an updated design, USB-C, and more.

I’ve been using the 1000X M3s for a few days, including a long seven-hour flight, and in short, they’re the real deal. It was a high bar to clear since the original 1000Xs were already some of the best noise-canceling headphones out there, and the 1000X M2 improved on that even more. But the new 1000X M3s are the best pair of noise-canceling headphones that Sony has made yet, thanks to a host of improvements both big and small. We haven’t had time to put them through their paces for a full review yet, but they’re possibly the best noise-canceling headphones on the market.

They’re minor annoyances, though, and they fade when compared with Sony’s incredible noise-cancelation and eminently enjoyable music performance. At $348 they’re not inexpensive, but I feel more confident recommending them than I do Bose’s Quiet Comfort 35, which in comparison are now showing their age. Sony just does a better job at isolating you from the annoyances of the outside world.
That has obvious appeal if you’re a frequent traveler, but I found it also pays dividends if you’re simply listening to music more normally.

Several times, taking the WH-1000XM3’s off, I was surprised at just how much ambient sound there was – even if, beforehand, the room had seemed relatively quiet. Being able to shut a virtual door and step into your own imaginary music room, and have the comfort and battery life to enjoy that for hours on end, makes Sony’s headphones a winning combination.

Industry-leading noise canceling: Sony’s proprietary HD Noise Canceling Processor QN1 brings the WH-1000XM3 to the pinnacle of noise cancellation

Premium Sound: The 40mm drivers with Liquid Crystal Polymer (LCP) diaphragms are Hi-Res Audio compatible, reproducing a full range of frequencies

All-day listening with quick charging: Listen all day with up to 30 hours of playback and quick charging that gives five hours of playback with just 10 minutes of charge time

Smart Listening: Smart Listening by Adaptive Sound Control automatically detects your activity and balances noise canceling levels accordingly

Sony has also tweaked the design on an aesthetic level. The buttons are nicer with a new gloss finish, the faux-leather texture has been axed, and there are new copper-tone highlights for an overall more polished look.

The 1000X M3s are set to cost $349.99 when they launch in September. In fact, they’re available on Amazon already with immediate shipping. The price is on par with what competitors like Bose’s QC35 IIs cost, but if you’re someone who just spent $300 on a pair of M2s last year, you’ll likely be displeased at the thought of shelling out for an upgrade so soon.

And as the saying goes: silence is golden. What’re a few extra bucks compared to that?

It’s only music. Nothing else. Sony’s industry-leading noise cancellation evolves to further immerse you in your music with a proprietary noise cancellation processor, quick charge capabilities, and an updated comfortable design.

You can listen all day with up to 30 hours of battery life.
Quick charging gives five hours of playback with just a 10-minute charge.

The reviewer has been compensated in the form of a Best Buy Gift Card and/or received the product/service at a reduced price or for free.

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A Guide To Find Cheapest Web Hosting Provider

Find a cheap web hosting is the systematical and researching work. Most of the hosting service tries to make hosting plan cheapest to fit it in user budget. There are various hosting coupons in market as Hostgator coupon code and other hosts coupons or promo offer. That cut down the plans price with big amount. But low price hosting service is not the aim of users. When you are starting a website and purchasing website hosting. It is most important to spend your money sensibly. A cheap web hosting can be a highly effective investment by get all needed features and tools with it.

Point to make research for take web hosting

Choosing a web hosting for own site is so complicated and researching work. You have to take most searches about host, features company etc. There is some clear step, which everyone has to go through for getting a write choice hosting.

First and most important thing to consider is host. Found a right host which has best performance and uptime. For it you have to read reviews and blog of hosting companies.
When you have found the hosting companies, then time is to choose a plan. The Plan will have to be suited in your money budget.

If plan have been fitted in budget then check all needed features comes with that plans or not.

For features quality you can read reviews of its.

If all is good then purchase only for trial period only. If you get any problem, then simply could change the service.

Clear some questions before purchasing cheapest web hosting

You should keep in mind various thing before choosing web hosting service. If, you want to maintain the budget, you have to take all things in measure. You need to check various things that will make your web site cost effective with fulfillment of your site need. So you have to check various elements.

Does it secure my website?

This is best question to know. Security is most important feature. You should be confirming about security policy of host.

Do it provide free domain name?

Getting a free domain with website hosting will be the positive influence of host. But, it is not mandatory to have free domain if plans price already low.

Does it provide free SSL?

Free SSL with plans must be, because of security purpose of websites.
Is there any limit on my account such as Email accounts and no of website?
Confirm no of website and email account in plan accordingly your need.
Does cheap web hosting mean low quality?

Price tag is cheap doesn’t means the service is poor. Web hosting service should have reliability, uptime, and performance and features same as most advanced hosting services.

Always make a research before taking any service. Reading reviews would be best option for get true result. Quality, money, features all things should be in balance. This is called low cost or cheap web hosting.

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How bulk SMS can prove to be effective for marketing

Messaging or texting using phone has become an essential part of life for people of all ages. It can be to stay connected with friends, the beloved one or with customers. It did to through numerous changes until it became what it is today. From just personal sms that was delivered through the mobile phone, texting is presently being used to deliver promotional message using the computer and internet. Rather, it has become an effective marketing tool used by entrepreneurs to promote their brand of business, and the services and products that they have on offer. Messaging is currently in trend in the marketing world and its importance is only growing with passage of time.

Need for bulk sms in market promotion

There are many organizations that have been relying upon the best bulk sms service provider in Hyderabad to promote their business. Some of the reasons are as follows:

  • Bulk texting is super quick, since the recipient can get crucial information within seconds. Simply the message needs to be typed and sent to huge list of customers with the click of a button.
  • It is easy and effortless. No problems arise when sending simple text message. It is also opened up by the recipients with the click of a button and contents read without any problem.
  • This marketing strategy is quite affordable. Bulk texting requires very less investment. The entrepreneur just requires computer, high speed net and bulk sms software provided by the industry experts. Information can be sent through sms to any number of people, irrespective of their geographical location and timing.
  • Sending sms is quite trustworthy. Information sent is secure and can be expected to very much reach the recipient’s mobile phone and read by them instantly. The recipients will not miss out on the message or forget it as it will always be in the mobile inbox, until it is deleted.

Profitable

Sending bulk transactional sms messages offered by the reputed bulk sms gateway Hyderabad services to customers can prove to be profitable. This is a wonderful method to be connected with customers all the time.

It is the desire of every entrepreneur to stay on top of competition. This is made possible by availing bulk text messaging service. This service can help deliver transactional and promotional sms and there is also no need to work very hard to send single text data. Message can be created easily and effortlessly and the contact number list can be used to send the message to the correct recipients.

Availing the best services

Several companies are present that offer top quality, prompt and affordable bulk messaging service. Such companies do offer different types of plans that can fulfill the specific needs of marketers and organizations of all types and sizes. Bulk text messaging rather has become imperative to be used by every marketing department. This service does help the entrepreneur and the marketer to reach the target audience in very less time and to derive excellent results.

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Installing GST software for improving the standards of a company

GST taxation and accounting procedures are very hard to implement in a company which requires proper solutions. There are different types of software products available in the markets today and companies should choose a right one after making a complete research.

Tally is the most used software in companies that provide ways for performing all types of accounting works with high accuracy. It is an ideal one for handling bookkeeping activities efficiently to keep the records with ease. Another thing is that companies can generate balance sheets to submit the tax returns on time to avoid fines. Organizations can focus more on payroll, inventory, invoice preparation, and cash flow with the software which gives ways for running a company successfully in the markets.

As GST taxation laws are being implemented in India, companies should comply with them while carrying out important works. It is necessary to integrate GST procedures with existing tally software for ensuring that the data is safe and secure. Moreover, it gives ways for filing the tax returns accurately to avoid penalty and other problems. Companies even access their business reports after installing the tally software that comes with GST accounting applications.

The importance of having GST tally software

A majority of companies these days face difficulties in maintaining their daybooks regularly which results in various problems. Furthermore, they don’t know the basic knowledge of GST accounting and installing the right software will result in many advantages. The GST tally software enables the companies to manage all things easily for reducing unwanted issues to a great extent. It makes feasible ways for knowing more about GST billing, returns filing, and tax calculation in detail for gaining more knowledge.

In addition, the software is available with a single and multiple-user license which exactly suits the size of a company or business. A company can even export invoices, reverse charge scenarios, and make adjustments with the software for ensuring optimal results. It is possible to minimize the errors in the transactions after the installation process. Apart from that, companies can make sure the GST returns are in sync with accounting books to file them without any difficulties.

Choosing the best software

It is an important one to choose the best GST software from the markets for planning the business operations accordingly. The internet is the right place for comparing different types of software products in one place which help to make a right decision. Most companies offer a free trial version for businesses to implement the GST accounting process with high accuracy.

The GST accounting software enables the companies to grow their business in the markets efficiently to reach next levels. It provides ways for sharing details with the accountants as soon as possible to update the books accurately.  Business firms and companies can calculate the taxes properly with the software to generate the bills depending on the needs. On the other hand, it is advisable to read the reviews of products online before investing money which paves ways for accomplishing goals in a business.

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Tampa Personal Injury Attorneys: Simplify Your Legal Needs

You know, If you have been hurt, you may be entitled to compensation for your pain and suffering. A dedicated firm at tampa personal injury attorney, PC believes that you should not have to spend your time and energy fighting for what you deserve when you could be spending your time resting and recuperating. When you need the support of an experienced and knowledgeable accident attorney in Tampa, Fla. you can rely on a tampa personal injury attorney to help you cover your bases for the following legal situations:

The Personal Accident Lawyer You Can Count On

You can, invest in your own future by choosing the personal accident lawyer who will fight for your rights. And he don’t treat his clients like case numbers, because he cares – and also because he knows that approach won’t deliver the results you deserve. I am ready to dig into the specific details of your particular case, and take care to prepare the kind of representation that will most likely affect the best possible outcome.

And when a person is involved in an accident, it is not unusual for financial disruption to occur. Not only is the injured person unable to work, but at the same time may have an increase in financial obligations. If it is fairly obvious that you will be unable to meet your financial obligations, you should immediately notify your various creditors before you become greatly in arrears on your required payments and ask them to suspend your payments until such time as you have returned to work.

Usually creditors will understand if they’re told what to expect in advance, and will make reasonable arrangements for payments to be delayed. If necessary, your attorney can contact your creditors for the purpose of verifying the accident and, if requested, agree to protect your creditor’s claim out of the proceeds of any settlement. When checking with your creditors, you should check to see if you have Credit Disability Insurance which makes your loan payments while you are disabled.

Learning the Basics: Personal Injury Law

Personal injury law (also known as tort law) allows an injured person to go to civil court and get a legal remedy (damages) for all losses stemming from an accident or other incident. The purpose of the personal injury system is to allow the injured person to be compensated financially or “made whole” after he or she has suffered harm due to someone else’s carelessness or intentional conduct. In this article, we’ll cover the basics of personal injury law.

We all know that most personal injury cases are based on the doctrine of negligence. In essence, negligence requires every member of society to act responsibly and avoid putting others at risk. That is not to say that negligence will result each time someone gets hurt. Because, the doctrine recognizes that some accidents are unavoidable. To establish liability, the plaintiff must show that a reasonably prudent person in the defendant’s position would have acted differently under the circumstances.

What is Personal Injury Law?

Personal injury law refers to the legal remedies and defenses involved in civil lawsuits brought as a result of wrongful conduct. In fact, the word “tort” comes from a Latin term meaning twist, wrong, or harm. In contrast to criminal law, a tort action does not involve the government prosecuting the wrongdoer. Rather, these cases involve a private plaintiff seeking compensation (usually money) for the harm caused by the defendant’s actions.

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Best weight gaining supplement

The body and the muscles

Muscle are the important element of the human body that has the main function of the movement and locomotion. The muscles remains attached to the bone of the body and together they make it the musco-skeletal system. With each bone muscle are adhered. And each of them has different and also exclusive name against them too. The attachment is done with the help of the tendons. They are very much helpful in the generating force and motion in the body with the help of the actin and the myosin proteins present in the muscle. These proteins are also called as the contractile protein. These proteins gives the flexibility to the muscle with which they can perform all the movement activities. Synthesized with the help of the myocytes from the myoblast cells by the process of myogenesis. Muscles cells remain in the body for a long time before it gets worn out and the new cells replace them. The life of a muscle cell is about 15 years after which it loses its function and gets in to the pathway of the programmed cell death or the apoptosis. This apoptosis process is regulated by different biochemical events that is present and many protein which are ubiquitous in nature.

Protein the important component of the muscles

Proteins are the important component of the muscle and the most of the part of the muscle tissue is made of the proteins. They are the combination or the chains of the amino acid. Thus amino acids can be called as the building blocks of proteins. In human body we need biomolecules like the proteins, carbohydrates and the lipids to undergo different processes in the body. These processes are called as the metabolism processes. They mainly act of the food materials and the nutrient which are derived from the food materials. These nutrient get utilized in the metabolic reaction pathways to derive essential biochemical molecules which helps in the functioning o. they also derive different co-factor and the co-enzymes that is again useful and very much needed for the body. So proper die is very much important as diet and the food the ultimate source of the proteins and other essential molecule. Thus proper metabolism will again help the body to keep it proper structure. However along with the proper diet people also tend to work out a lot in order give the muscle and the body a proper shape. Proper work out should be substantiated with proper supplement also.

Natural supplements to avoid side effects

You can find many weight gain supplements in Indian market. Although it is advised to use the natural product instead of using artificial or synthetic materials. As synthetic compound may also cause many side effects in the body.

A proper routine

The person using the supplement should use a good work out regime guided under a specialist trainer as good work out schedule will help these supplement to break and the proteins to get assembled in the human body.

Creatine

World best weight gainer supplements will definitely contain a lot creatine in its composition as it is the best protein for muscle gaining.

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HIPAA- WHY IS COMPLIANCE SO HARD TO ACHIEVE?

HIPAA is made of several rules that comprise of regulatory standards, that should be followed to achieve an effective state of HIPAA compliance program. These HIPAA rules are national standards that are meant for the use and disclosure of the protected health information (PHI). PHI is any demographic information that could be used to identify the patient’s identity. PHI comprises of patients name, address, date of birth, social security number, information regarding insurance and any information regarding the patient’s medical record.

If you look carefully in the medical sector you would be shocked to know that there are many cases of HIPAA data breaches. There are various cases of breach either large or small. If we try to ascertain the reason of breach it is known that there are two distinct causes for this breach.

REASON FOR BREACH OF HIPAA COMPLIANCE:

The first error is owing to human fault. As per records the HHS Office for Civil Rights stated the reason of the maximum breaches as high as 78% is due to human error, this includes lost and stolen devices and leaking the PHI without consent. It is quite a high number and the fact worth noting is that these cases of breach could be prevented. It could have been prevented by means of proper and continuous HIPAA compliance training.

HIPAA regulations make it compulsory that the annual security awareness training should be given to all the members of the covered entity’s workforce. There should be strict guidance also for the Business Associate workforce who are required to access the protected health information (PHI) and the electronic protected health information (ePHI) should be bestowed with this training.

The training should however not be limited to the annual requirement, there should be periodic security reminders and the inclusion of HIPAA compliance templates.

The second error in the compliance of HIPAA is the implementation of the adequate technical safeguards. This category is serious as it requires efforts and inclusion of some costs to implement the HIPAA. Technical safeguard requirements make it essential that areas wherein the use of unique user identification for all workforce members, ensures substantial authorized access and the verification of the person or the entity that needs access to the ePHI is to be assured.

Efforts as simple as having settings for auto logoff to a minimal amount of activity that is for about five to seven minutes for any device that could lead to access to ePHI could be of help. Also the presence of lockable unauthorized viewing of the workstation desktop or the laptop.

Getting the data that is in transmission as encrypted could be a good way to protect the data. It is important zone and to this the organizations should pay heed too. The organizations should see to it that they can create, store, transmit or get the ePHI that has been encrypted. This should be done as a part of HIPAA compliance. The organizations should be proactive in implementing all aspects of HIPAA compliance.

Author Bio: |Web Surfing. Writer. Blogger. Self-Believer.| I love to grab the Knowledge and share the fresh dose of technology, lifestyle, travel, how-to’s, life lessons through the social platform and my blog. At my free time I love to read new things and write the post of my Tech Brief Stuff blog and share with my social locality.

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