Saving, investing and making money with technology

Month: September 2018

How an MSME Loan Will Help You Grow Your Small Business

How an MSME Loan Will Help You Grow Your Small Business
Mr. Murari Lal Bansal, a resident of Chandni Chowk, Delhi was an owner of an MSME enterprise. His business was going good for the last 2 years. As his business flourished with time, so the need to expand it and bulk orders from clients also increased.

For leasing out a big space to expand his business operations and to receive bulk orders from clients, he needed a big amount of money of around Rs.20 lakh. Since he had no other sources of money, he thought it would be good to sell his ancestral home, liquidate it and use the funds in the business.

On the other hand, he was also aware that liquidating his ancestral home was not a good idea in the long-run. That’s when one of this friends advised him to avail an MSME loan from a leading lender of up to Rs.30 at lower rate and longer tenor.

If you are an MSME business owner and needing to expand his/her business and for that, if you are thinking to liquidate any of your assets, MSME finance is a good idea.

What is MSME loan?

If you have Micro, Small, and Medium Enterprises (MSMEs), you may avail an MSME loan from any of the leading online lenders and borrow up to Rs.30 lakh.

These loans are popular amongst small business owners as they are available at lower rates and extended tenor so that you can repay smaller EMIs.

Why an MSME loan is a good idea to give wings to your business?

1) Finance up to Rs.30 lakh

When you can avail up to Rs.30 lakh for your business needs, you can easily focus on your business and take it in the right direction.

2) Flexi loan feature

When you avail an MSME loan from a leading lender, you also get the flexi loan facility in which you can easily borrow an amount as per your needs from the total limit. You can enjoy the benefit of paying just the interest as EMI on the used amount and nothing more. The rest of the money is adjusted at the end of the loan tenor.

3) Faster processing

Since the MSME loan is a collateral free loan facility, you can enjoy a faster processing of the loan which means your loan application is processed within 24 hours. As a result, when your loan is processed fast, you also get the money disbursement quick.

4) Wider tenor to suit your needs

You can focus on your MSME business and not bother about the loan repayment as you can seize a wider tenor ranging from 1 year and 5 years. Hence, you can pay smaller EMIs over a longer tenor and focus on your business and not the repayment.

5) Online account management 

Availing an MSME loan from a reputed lender can let you access the loan information right via the digital customer portal. It lets you track the progress of your loan right from anywhere and 24/7.
MSME loan eligibility

For availing the MSME loan, you will need to fulfil some standard MSME loan eligibility of the lenders such as:

* Applicant should be under 25-55 years

* Your MSME business should have a history of 3 years and more

* You should have filed the Income Tax Return (ITR) on behalf of your business during the last 1 year

The Bottom Line

Don’t think to liquidate your assets or take credit from your relatives when you have an MSME loan to help you cover your entire small business needs. You can apply for the MSME loan online and get started.

Continue Reading

Should Women Invest in Financial Products?

The world of finance and financial products is largely male-dominated. Men are always the ones to keep track of the money and plan household finances. They make all the financial decisions for their own lives and often are in charge of the money earned by the women in their lives as well. Thanks to this, there is a gap, both in investment and knowledge about personal finance between men and women. Not surprisingly, there are more male financial advisors than females.

Business team discussing project with man pointing at the laptop

However, this gap can easily be reduced if women were to step up and take charge of their own finances, instead of relying on their fathers and husbands to do so. As a woman, all you have to do is ask questions and educate yourselves on the various products available in the market, and learn about the nuances of the available investment options for women.

You can also hire a professional financial advisor to help you out with your investment if required. An advisor would be able to help you see the big picture and build a diversified investment portfolio to meet your financial goals.

Why women should invest in financial products?

Here are a few good reasons why women should invest in financial products:

1. To build an emergency corpus

It is important for women to create a corpus for emergencies. Ideally, this amount should be equal to 6 months of your family’s expenses. A good way to create this corpus is for you to save a part of your salary and invest it in fixed income investments, like FDs for women. These provide guaranteed returns, as they are not associated with the market performance.

Therefore, with FDs, there is no risk of losing your money. For instance, Bajaj Finance Fixed Deposit is a great FD option, that comes with high-interest rates of over 8% and flexible tenors ranging from 12 to 60 months. An FD calculator will tell you the returns you will get.

2. To be retirement ready

Women generally live longer than men. So, it is important that they take their retirement finances seriously. Investing in a retirement plan/systematic investment plan (SIP)/mutual funds when young, helps create a huge corpus by the time you retire. FDs for women is a wise option since they lock away a part of your money for a specific tenor. Moreover, FDs offer periodic interest returns according to your choice (quarterly, half-yearly, or annually), that can act as an alternate source of income. What’s more, you can invest in FDs as a senior citizen as well. In fact, FDs come with loads of benefits for senior citizens. Not only do they offer higher interest rates, but also offer greater tax exemption.

3. To meet all their financial goals

Women are equal participants in the family, and as your life stage changes, there are bound to be financial goals that you may want to meet. You will want to pay for your dream home, your children’s education, secure your retirement, or maybe just travel abroad.

Whatever your goal, it is important that you have a financial plan in order to fulfill that ambition. Investing in relevant financial instruments will help you build the desired corpus to address short and long-term goals.

Continue Reading

3 Saving Tips for New Employees

Your first job is going to be hard for a lot of reasons. You’ve probably just spent the last few years taking it relatively easy in college and now things are about to change.

You’re going to find yourself in an entirely new environment, with new people and a ton of responsibilities you’ve never had to even think about before.

And while all of this is pretty scary, you’re probably looking forward to the money. A steady paycheck, probably the biggest one you’ve ever had in your life.

Unfortunately though, it’s not quite that simple. If you’re not careful, money can disappear just as fast as you earn it. And that can be disastrous for you.

I’m not saying you shouldn’t take the opportunity to indulge in some stuff now that you can afford it, but saving is important too. Here’s 3 things you can do to help save some cash:

1. Sell The Stuff You Don’t Need

If you take a bit of a look around your home, you’ll probably realize that there’s quite a few things there that you almost definitely don’t use anymore.

We are always buying stuff that we just don’t need. Fancy China you bought for that one dinner party you were throwing.

A pile of tools you bought during that one week when you thought you might try your hand at DIY but are now just taking up space in your garage.

These are merely examples but I’m sure you get the idea, we all have some stuff that we’re probably never going to use.

But the great thing about it is this, all of that stuff is probably still in pretty good condition. A lot of it might very well be as good as new.

You’re not going to use it, but someone else probably will. And in 2018 you don’t even have to host a yard sale to sell all of this stuff, you can just do it online.

Places like Craigslist and eBay might not be quite as popular as they were five or six years ago, but they’re still in operation and there’s actually quite a few other places you can sell online too.

And even stuff that you have used but don’t really want anymore, there’s a market for that too. If most of your income goes fast, selling what you don’t need is a great way to bring in more cash.

2. Invest

This is not just a great way to save right now, investing is something you can do now that you will thank yourself for several years down the line.

You have to do it the right way though. So many people throw tons of money into investments and end up getting nothing out of it.

If you want it to work out, you have to know where to invest and where to absolutely avoid investing. It will take a bit of research.

It’s well worth it though, taking a portion of your income every single month and investing it in some reliable companies will ensure that you see some serious long-term returns.

So what you need to do is find out which companies have a proven track-record of a high return on investment (ROI) for those that invest.

The history and the statistics don’t lie. You can’t ever be guaranteed success but trying to predict the market yourself is never going to work.

Invest in the right places and be patient with the results. If you’re concerned about giving away some money every month into this venture, then you can always look out for dividends.

Look for high dividend yielding stocks. These companies offer a portion of the overall profit to those who invest, guaranteeing you some income for your investment.

It might not seem like it’s worth it at the beginning, but if you stick by the stocks you choose, you’ll see the benefit before too long.

3. Look Out for Discounts

You probably think that you’re not entitled to any discounts, but you’d be surprised. There’s an awful lot of things out there that people get discounts for.

There’s the very obvious ones first of all. If you’re a teacher or your in the military you’re almost guaranteed to get discounts from somewhere.

There’s also student discounts of course, which often apply even if you’re doing some kind of company sponsored training. So don’t assume you can’t get that one.

And if you aren’t entitled to any of those, that still doesn’t mean that there aren’t any discounts out there available to you.

Anything else that you would get would probably be related to your specific job. Check with your employer to see if your position allows for you to pay less for certain things.

You could also probably ask anywhere you eat or shop if they have discounts on offer and if they apply to you. It never hurts to ask!

The coupon industry isn’t dead either. In fact, in the age of the internet, is more of an evolved industry than an obsolete one.

So there’s a lot of discounts out there and you should definitely keep your eyes open. You never know which ones you’re applicable for.

Conclusion

No matter how much you’re tempted to go crazy with the new income that you’ve got, it’s really best to start saving as soon as you start earning.

And as you can see here, there’s a lot of ways to save that are actually relatively painless.

Continue Reading

Video Formats: A Quick Guide to Understand Them Better

Trying to understand video formats can be a bit tricky, especially since most people have the wrong idea about them in the first place. To clarify the extensions that you see in video files (i.e. MOV, AVI, MKV, and MP4) are just one part of the video format – known as the container.

The actual video format consists of another part as well, known as the codec. Both the container and codec have a part to play in the video format – and it is important that you understand their roles.

Containers

Think of a container as a wrapping that is used to hold together the various parts that make up a video. Typically two of the parts in modern videos are the video data and the audio data, but there may be other parts as well such as data regarding captions, menus, and so on.

Because it needs to contain all these various types of data, the container is also what determines the features that the format supports. Some containers support a wide range of features, while others are much more limited.

It should be noted that some containers are only able to contain video or audio data that is stored in specific codecs.

Video Codecs

In contrast to containers, video codecs are the part of the format used to organize the video data. It basically processes the video and stores it digitally by using algorithms to shrink its size by arranging it more efficiently and (in some cases) discarding data that is deemed ‘unnecessary’.That is why video codecs determine the compression that is used by the video format. If data is discarded then the compression is ‘lossy’ and will be able to reduce the file size of the video more. However if no data is discarded the compression is ‘lossless’ – but will normally have a larger file size.

The video codec is responsible for both encoding and decoding the video, i.e. it compresses it for storage and then reconstructs the video and displays it when it needs to be viewed. Modern containers store video codecs internally, but there may still be compatibility issues at times.

How it Fits Together

Now that you’re aware of how containers and codecs work – you may be starting to appreciate how they fit together. To put it simply the ‘format’ consists of a pairing of both – and you should select it based on:

* Compatibility with the device or platform you want to view the video on, as well as between the container and codec you want to use.
* Compression that the codec is able to provide in order to reduce the file size of the video.

* Features that the container supports, to ensure that you’re able to store all the data that may be required.

It is important that you consider these three factors when deciding on a container, codec, and ultimately video format. In some cases the converter you’re using may have presets that simplify the options somewhat, as is the case with Movavi Video Converter (http://www.movavi.com/videoconverter/) for example.

By this point you should understand video formats a whole lot better – which is good. The better your understanding of video formats, the better you’ll be able to figure out which one you should be using if and when you need to. Video Formats: A Quick Guide to Understand Them Better

Continue Reading

Valpak and Susan G. Komen has Joined Together in the Race for the Cure against Breast Cancer

My name is Tracy and I want to let you all know that my cousin had thought she had breast cancer after having breast reduction. Back in  June 2009, when she said she felt a small lump in her left breast. She said at first she didn’t think nothing of it. She owns a daycare center and was works as a daycare provider and neglected to do anything.

On December 31 – 2009 my cousin said, the pain was kind of bad so she had scheduled herself for a mammogram test on the first week of 2010, to see what was going on.

And my cousin said she was so scared, not knowing what was going on, still she was hoping that there was a glitch in the x-ray test. Then a few days later she received a letter telling her the test was normal, it was not breast cancer, it was just a cyst.

She said she’s very grateful that she doesn’t have breast cancer and she wishes all of the women and or men that are suffering from this deadly disease that they be cured someday of this deadly disease of breast cancer.

I am dedicating this blog post to the co-survivors and caregivers in our lives. I’m sure there are many definitions of the term “co-survivor” out there but they are the family and friends who are there with you through it all. And I know that a cancer patient have the hardest job in the fight for their life, but their family and friends are facing the possibility of losing them. Whether it’s your parents who face losing a child, a spouse who faces losing their partner or children who face losing a parent. I first saw the term in a magazine years ago and as I read it I had an a-ha moment. Of course I knew that my family and friends were also going through a tough time during my treatment but hearing the term co-survivor really gave them the respect they deserve.

Valpak has formed a partnership with Susan G. komen

Valpak is the official sponsor of the Susan G. Komen. To amplify awareness around this common vision, Valpak will turn its Blue Envelope pink this October during Breast Cancer Awareness Month while also working to raise local awareness within the communities that they serve and funds in support of the fight to end breast cancer. (Valpak is a great company that sends you an envelope full of coupons in the mail each month!) Valpak’s pink envelope will highlight celebrity chef Sandra Lee, a breast cancer survivor and advocate for women’s health, as a “More Than Pink® Hero.” The pink envelope will introduce a related sweepstakes, inviting you to nominate a hero who has taken action in the fight against breast cancer. Throughout the month of October, Valpak will share the submitted stories and ultimately 25 lucky winners will each receive a set of pink KitchenAid appliances in support of Cook for the Cure®. The set includes a stand mixer, blender, 2-speed hand blender and a 5-speed hand mixer with a total retail value of over $800. The nationwide October Valpak envelope will also feature a special surprise for 500 lucky recipients, who will instantly win an immersion blender courtesy of KitchenAid by looking through their pink Valpak envelopes and finding a die-cut certificate shaped like an immersion blender. (Please let me know if you win!!!)

And also, Valpak supports the hero’s that champion the cause, to spread awareness and fund breakthroughs for a better tomorrow. They are involved with the ” More Than Pink®  “movement which celebrates the heroes who have made a significant impact in the fight to end breast cancer. Whether you’re the doctor who won’t give up on a patient, the volunteer who gives their free time to ensure the Race for the Cure® goes off without a hitch, or the child who sells lemonade in honor of his or her mother; More Than Pink® provides inspiration for everyone to act, donate, and get involved.

Join the Valpak team and Race for the Cure in your community while celebrating survivors and honoring those who have lost their battle with the disease.

Save $5.00 off a race of walk registration with code DealPro.

About Valpak

Is a direct marketing company that’s based in St. Petersburg, Florida, Valpak has been a leader in direct marketing for 50 years, providing print and digital advertising through a network of local franchises in the U.S. and Canada. From the mailbox to mobile devices, Valpak continues to find innovative ways to connect businesses with local consumers. Each month, our well-known Blue Envelope of savings mails to nearly 40 million demographically targeted households in 47 states and three Canadian provinces. Our digital suite of products, including valpak.com, reaches 11 million daily unique visitors.
Let us introduce you to the neighborhood.

What You Need to Know About Breast Cancer

Breast cancer is a disease that starts in the breast with a malignant tumor. A malignant tumor is a mass of cells that grows out of control. The cancerous cells can also metastasize, or move to other tissues or parts of the body.

The cancer can develop in any of the three types of breast tissue: lobules, ducts, and connective tissue.

Most cancer begins in the lobules (the milk-producing glands), or in the ducts, along which milk travels to the nipple. (1) But tumors can also develop in the fibrous and fatty connective tissue that surrounds the lobules and ducts.

Several different types of breast cancer exist. The type of breast cancer and its stage, or how far it has grown, determine the treatment for it.

Breast cancer that spreads into normal tissue is called invasive breast cancer. Noninvasive breast cancer stays within the breast lobule or duct.

The largest risk factor for breast cancer is simply being a woman:

It is stated that an estimated 12 percent of women who have an average risk of breast cancer will develop it at some point in their lifetimes. A variety of factors can increase that risk.

The age is another factor

The risk of breast cancer increases as women age, particularly after age 50 and between ages 60 and 69. Approximately two-thirds of all invasive breast cancer occurs in women at least 55 years old. Half of all cases are diagnosed after age 62.

Your Family and Personal History

Your risk of breast cancer increases if you have close relatives with a breast cancer diagnosis.

The risk is twice as high if your mother, sister, or daughter has been diagnosed with breast cancer. If you have a personal history of breast cancer, your risk of developing a new breast cancer is 3 to 4 times greater, aside from any risk of the previous cancer returning.

Genetics

Women also have a substantially increased risk of breast cancer if they carry a mutation in one of two genes called BRCA, which are known to be linked to breast and ovarian cancer.

The History of Radiation

Past radiation to treat a previous cancer outside of the breast or to treat acne in adolescence increases your lifetime risk of breast cancer.

History of Diethylstilbestrol (DES)

Use Women who took DES, a drug that was prescribed between 1938 and 1971 to help sustain pregnancies, have a higher risk of breast cancer. Those exposed to prenatal DES may also be at a higher risk.

Increased Weight

Women have a higher risk of breast cancer if they are overweight or obese, particularly after menopause. The risk of recurrence (the cancer coming back) is also higher in overweight women ).

Pregnancy and Breast-Feeding

History Women have a slightly higher risk of breast cancer if they do not have a full-term pregnancy before age 30. However, breast-feeding reduces the risk of breast cancer, especially if done for a year or longer.

Menstrual History

Women’s risk of breast cancer is higher later in life if they got their first period before age 12 or did not enter menopause until after age 55.

The Use of Hormone Replacement Therapy

These drugs increase the risk of breast cancer.
Drinking Alcohol Beer, wine, and liquor all raise the risk of hormone-receptor-positive breast cancer.

Dense Breasts

Women with dense breasts may have up to 6 times greater risk of breast cancer. Mammograms may not detect breast cancer as easily on dense breasts.

Insufficient Physical Activity

Women who don’t engage in regular physical exercise are at an increased risk.

Smoking

Tobacco use increases the risk of breast cancer when women are younger and premenopausal. Though the research is not certain, regular exposure to very heavy secondhand smoke may increase postmenopausal women’s risk of breast cancer.

Race and Ethnicity

White women have a slightly higher risk of breast cancer, followed closely by black women, compared with Latina, Native American or Alaska Native, and Asian or Pacific Islander women. (3)

Among women under 45 years old, black women have the highest risk of breast cancer and tend to develop more aggressive, advanced cancer than other diagnosed women under age 50. Black women are also more likely to die from breast cancer than women of other races or ethnicities, due at least in part to unequal access to care.

Environmental Factors

Scientists are continuing to explore other possible risk factors that have weak or mixed findings in research. These include a low vitamin D level, light exposure at night (such as from shift work), and an unhealthy diet.

Breast cancer may also be linked to various chemical compounds in cosmetics, food, lawn care products, plastic, sunscreen, water, and grilled meats. Many of these chemicals are not avoidable, and it would take very high exposure over a long time for these chemicals to affect breast cancer risk. Research is unclear on how much or how little these compounds may increase risk.

The Goal for Susan G. Komen: I would like for you all to get involved with the Susan G. Komen foundation by participating in an event, fundraising, volunteering and/or advocating. Susan G. Komen has plenty of things that you can do to get involved. They have their annual race and walk. The Susan G. Komen Race for the Cure Series is the world’s largest and most successful education and fundraising event for breast cancer ever created. The series of 5k runs and fitness walks raises significant funds and awareness for the breast cancer movement, celebrates breast cancer survivorship and honor those who have lost their battle with the disease. And the Komen Race Series welcomes people of all ages and fitness levels, from walkers to elite runners.

But, joining a race is just one of the ways you can get involved and be apart of the Komen family. For more information on how to get involved, just click on the link below.

https://ww5.komen.org/GetInvolved/Participate/Participate.html

Also Susan G. Komen has added an exclusive $5 off registration promo code specifically for the DealPro Network. Please use the code DealPro during your registration (it is case sensitive).

Get Involved with Local Events

2018 Miami/Ft. Lauderdale More than Pink Walk

Saturday, October 13, 2018
Miami, FL
Miami/Ft. Lauderdale Affiliate
(954) 909-0454
info@komenmiaftl.org

2018 Chattanooga Race for the Cure

Sunday, October 14, 2018
Chattanooga, TN
Central Tennessee Affiliate
(423) 499-9155
info@komencentraltennessee.org

Georgia Race for the Cure

Sunday, October 7, 2018
Tbilisi, Georgia
Women Wellness Care Alliance HERA

adanner@komen.org

Did you know:

1 in 8 women in the U.S. will be diagnosed with breast cancer in her lifetime?

On any given day Susan G. Komen helps to provide 582 breast cancer screenings and 114 diagnostic services to people in underserved communities.

You know, when someone is first diagnosed with breast cancer, the person might not know how having cancer will change their life. They may think it’s just a dent in the road and they’ll return to “normal” when treatment is done. But, on the other hand, some people fear that they will never feel normal again. And also, having had breast cancer—no matter the stage—will change their life. There will be lots of challenges they hadn’t anticipated. And they may realize that the tiredness that they once complained about was nothing related to cancer fatigue. But there will be positive changes as well.

We are actually learning that many people who go through breast cancer treatment experience what’s been termed “post-traumatic growth.” In other words, having cancer has changed them in good and positive ways as well. And while everyone experiences cancer differently, there are some changes that are nearly universal. Knowing what changes you might expect at the onset may help you learn to deal with it just a little bit easier as you begin your journey through your breast cancer treatment.

Valpak has joined the community of bold companies that share in the vision of Susan G. Komen for a world without breast cancer. To amplify awareness around this common vision, Valpak will turn its Blue Envelope pink this October during Breast Cancer Awareness Month while also working to raise local awareness within the communities that they serve and funds in support of the fight to end breast cancer.

Keep Up with Susan G Komen Socially

Facebook: https://www.facebook.com/SusanGKomen
Twitter: https://twitter.com/SusanGKomen
Instagram: https://www.instagram.com/susangkomen

Keep Up with Valpak Socially

Facebook: https://facebook.com/Valpak
Twitter: http://www.twitter.com/ValpakCoupons
Instagram: http://www.instagram.com/ValpakCoupons

This post is sponsored by Valpak.

 

Continue Reading

What Happens When You Withdraw From Your FD Prematurely

A good investment strategy includes a healthy mix of risky and safe investment tools. Among the safe tools, Fixed Deposits (FDs) are most popular among Indians. With an FD, you invest a lump sum and that money grows through a predetermined rate of interest over time. Keeping your FDs secure and untouched boosts your savings steadily.

Withdrawing an FD prematurely

While allowing an FD to mature gracefully over time would be the ideal situation, sometimes an unforeseen emergency might push you to premature closure of fd . This could result in a few pros and cons that you should know about.

Pros

Though there are penalties on interest for premature withdrawal of your FD, you get the complete amount you deposited. This money helps you handle the emergency at hand.

Cons

A premature withdrawal of your FD affects the interest rate for the time the FD was held. You will now get a lower interest rate. The bank or financial institution is likely to deduct 0.5% to 1% from your interest rate as penalty charges.

For instance, Kunal invested Rs 1 lakh in an FD for a year at 9% interest rate p.a. However, the interest rate for 7 months was 6%. Due to his mother’s health issues, he had to break his FD at 7 months and 3 days. If he had continued his FD, he would have got Rs 9000 as interest at the end of the year. But, since he withdrew prematurely, his interest rate not only dropped to 6% but he had to also suffer an additional penalty of 1%. Now, he stands at receiving only Rs 2500 as interest at the rate of 5%.

Instead of enduring such loss of money due to premature withdrawal of FD, he could’ve chosen to take a loan against the FD to tackle the emergency.

However, this too comes with its own pros and cons.

Pros

* You get the option to repay the loan with interest with the F

D’s money at maturity. Although, there might be some lenders that insist on the interest being paid regularly, while the principal amount can be settled post-maturity.
* Since it is a secured loan against the FD, there is minimal paperwork.
* You could get the loan sanctioned within a day.

Cons

* The loan tenor cannot be more than the tenor of your FD.
* You don’t get to choose the tenor or the loan’s rate of interest.
* Until you repay the loan, you can’t close your FD.
* If you are unable to repay the loan, the lender will settle it by closing the FD and claiming the amount from it.

Conclusion

When you are faced with an emergency, choose wisely between breaking your fixed deposit and taking a loan against it. Ideally, the loan is a better way to go as it gets you money without affecting your FD or its interest rate. If you’re still confused, there are fixed deposit premature withdrawal penalty calculators available to help know your loss and decide accordingly. The another option is that you can also choose short term fixed deposit which lessen the chances of withdrawing FD before maturity.

To know more about how a premature withdrawal of your FD can affect the interest you earn, click here.

If you ever need a loan for an emergency, you could also take one from different lenders. You can also continue with Bajaj Finserv as they offers a host of financial products to help you make all your money-oriented decisions. They offer pre-approved loans, should you ever need it. All you have to do is share a few details and check out your pre-approved offer.

Summary

Breaking an FD can have adverse effects on your interest and brings with it some losses too. Unless you really need the money, think hard before you make your choice. There are loans against FDs also available which are a much-preferred alternative to breaking FDs. You can use a fixed deposit premature withdrawal penalty calculator to help you make your decision.

Continue Reading

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.

Continue Reading

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​.

Continue Reading

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.

Continue Reading

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.

Continue Reading