Category Archives: Finance

Here’s How You Can Know The Right Time To Transfer Home Loan

Here’s How You Can Know The Right Time To Transfer Home Loan

| Finance | No Comments

An engineering professional in Amritsar, was in the process of a Home Loan application after considering the market and assessing his affordability so that the family could live in own home.

They have been living in a rented apartment for years and the time has come for them to live in own home.

Thanks to a Housing Loan that he was about to avail, the dream was finally on its way towards to be realized and lived.

His application got approved as he had a good creditworthiness, the loan amount was disbursed, he got the possession of a home he wanted to purchase and in 10 days, the family finally shifted to their own abode much to everyone’s delight.

He started paying the Home Loan EMIs, and everything was going well unless it was the second year of the Housing Loan. He realized that for the past 1 year, he was paying a higher Home Loan interest compared to his colleague Shashi. He was left red-faced because he thought that he would have saved an amount enough to use for other needs.

He was in a fix unless Shashi advised him considering a Home Loan balance transfer with a new lender offering a reduced Home Loan interest.

He thought whether if it was a right time to go for the Home Loan balance transfer.

If you are confused like him, let’s provide some situations or time when it is the right moment to transfer a Home Loan account.

Best Time to Avail A Home Loan Balance Transfer

  • When Home Loan interest rates are low

You should know that Home Loan interest rate can fluctuate gradually over time. Thus, do a regular check on a third-party website and compare all offers of the lender and apply for one and embark on a monthly saving.

  • When you have just started to repay your Home Loan

The best time to make the most of the Home Loan balance transfer service is at the start of your repayment period. Your House Loan will go on for an extended period and consume a larger portion of the monthly income for years. Thus, it would be prudent to opt for a Home Loan balance transfer if you see a lender offering a good deal on a Housing Loan interest rate.

  • In case your top-up loan is rejected

Lenders provide their existing Housing Loan customers with a top-up loan provision to avail another loan to cover other significant life goals. If you come to know that your lender has not approved your top-up loan or sanctioned it at a higher interest rate, switch your Home Loan. A top-up loan will help you avail another loan to the tune of Rs.50 lakh at a lower rate. Opt for a lender who offers you the package as per your preferences.

  • To renegotiate an existing Home Loan terms

When you see that some terms of your loan agreement have not been abided, you can renegotiate the terms with your existing lender. If you don’t see it going your way, you can opt for a Home Loan balance transfer and get to avail better terms and conditions of the House Loan. Always know that anything that lowers down your interest, EMIs, prepayment, processing fees or anything else should be your goal because you want to save, right?

The Bottom Line

You just analyzed or saw some of the situations that may help you decide that When you need to transfer your Home Loan?. If you have an existing Home Loan, check your interest rate today and know if you are saving anything or splurging! Go to a third-party website, compare all lenders’ offers and reassess your case! All the best!

Get Inspired by My 9-Year Old Niece's Lego Fund Story!

Get Inspired by My 9-Year Old Niece’s Lego Fund Story!

| Finance | No Comments

You can also develop a saving habit like my 9-year old niece such as a fixed deposit. Want to know what did she do?

Let’s put an awe-inspiring investment story! It is not from a financial executive, but from my 9-year old niece from whom you could learn the value of investments and invest in fixed deposits or FDs and more.

My 9-year old niece recently told me a story that I would like to share with you all as well. Why? The story inspired me so much that after listening patiently to her story, I realized I forgot the worth of saving and kicked off a fixed deposit account with my lender.

The story of my niece goes like this!

She recently watched The Lego Movie recently and wanted the entire Legos sets and as many as possible. But, she also knew that her parents might not indulge in such an expense because she had other toys to enjoy.

However, like all children, she did try asking parents, and as a majority of parents, her request was not accepted.

She did not lose heart and thought of saving all by herself to get the dream Lego play sets. She used to get Rs.200 as weekly pocket money from her parents. She kept all her weekly savings aside and after 25 weeks or roughly 6 months, she asked her father to purchase the playset, but her requested once again met the first fate – rejected!

My niece went into her room running, brought and showed Rs.5,000 to her father and told, “Please buy me from my savings!”

Her parents and the cousins were pleasantly stunned! How could a child of only 9 years muster all the courage and patience in the world to keep off all desires for 6 months and save money?

Her father knew that the Lego sets cost a bit more than her savings, but he did not tell her this as this might have distracted her from a healthy habit – savings! Her savings were matched with some other cash from parents’ side, and she finally got the set, leaving her jovial and eyes brightly lit with the spunk.

When she told me the story, she had so much pride in her voice! Her story led me to a thought! As adults, we don’t have so much patience and courage to save up for things and have many ways to buy things.

Further, the luxury of credit card EMIs and cashback offers make us lazy.

Just like my niece, even you could go and make a debt-free next purchase with a saving such as an FD.

Yes, a fixed deposit (FD) is an account that a person holds with a bank or lender and invests for earning some good interests on a fixed amount. The savings then mature over a selected tenor and give back the investor with fixed interest profits.

You can also nurture the habit of investing in a fixed deposit account with your bank or online lenders.

Nowadays, you can earn fixed deposit interest rates of 8.10% with leading online lenders on a minimum FD investment of Rs.25,000 depending on your membership status with the service provider.

You can also know your gains on fixed deposit interest rates with the help of an FD calculator which is available on a lender’s website free of cost.

With a fixed deposit account, you can aim for small or big financial goal of your life and let your money earn money easily.

The Bottom Line

Savings and investments are always a healthy habit. We have completely forgotten it due to many direct or indirect purchasing powers that we have such as credit card EMIs, loans and more.

A fixed deposit or any other saving habit will always give you an extra mileage your small or big financial goals, start off today and let dear money work an extra mile! Happy savings!

4 Ways Your Business Can Use Social Media To Generate Conversions

4 Ways Your Business Can Use Social Media To Generate Conversions

| Finance | No Comments

Search engine optimization or SEO, is the process of optimizing your website for search engines. This way, when consumers perform web searches with keywords that are relevant to your business, they’ll be able to see and access your web pages. Although landing a spot at the top of search engine results pages (SERPs) is an excellent way to boost both traffic and conversions, social media marketing is able to accomplish these same results in a much shorter span of time. Moreover, social media outreach is an incredibly important part of any comprehensive SEO plan. Following are four ways that every growing business should be using social media to generate conversions.

Introduce Your Brand

Social networking sites are the perfect platforms for introducing brands and for shaping brand identities. On social media, you can take a personal, personable approach to marketing that captures the attention of your prospects and keeps them engaged. The more that people interact with, like, and share your branded content on social media; the faster brand awareness will invariably increase.

Strategically Shape Opinions In Real Time

When implementing an SEO campaign, you’ll find that it often takes months for search engines to recognize and appreciate the improvements that you make in the many technical aspects of your website, in your niche-specific content, and in your link-building campaigns. This means that it can also take months before your website is in an acceptable position on SERPs and consumers actually start visiting your site. On social media, however, you have the ability to connect with, educate, and win over your audience in real time. With live videos, advertising video uploads, links to informational blog boasts, and high-quality images of your products, it’s possible to answer common, pre-purchase questions and to effectively lead consumers through the normal buying process. Keep in mind that before most people will be ready to part with their hard-won cash, they’ll usually want to learn more about what businesses are offering and the benefits that these things supply.

Incite Buyer Urgency

One of the best ways to use social networking sites to foster rapid and dramatic increases in your conversions is by making offers that incite a sense of buyer urgency. This is done by posting high-value, limited-time offers that make people feel as though they’re going to miss out if they don’t act fast. Best of all, this strategy can work well for your business time and time again. In fact, many small business owners us this marketing tactic on a regular basis to establish greater consistency in their long-term profits.

Create A Greater Level Of Transparency

In the digital age, maintaining optimum levels of transparency is an essential sign of trustworthiness. Keeping important aspects of your business open to the public is also a great way to proactively protect your commercial reputation. By regularly engaging with your market in a public, albeit digital, setting, you can deal with questions, concerns, and complaints about your products in a timely, compassionate, and wholly acceptable way. Your clients and prospective clients will be able to see your commitment to maintaining high levels of customer satisfaction. This can also foster good word-of-mouth advertising and more positive reviews of your organization.

There are actually countless ways that companies can use social media to boost both their conversions and their bottom lines. With a solid social networking strategy, you can connect with and educate more prospects, establish your brand identity, and set yourself apart as a trustworthy provider within your niche. Best of all, all of your efforts on social media are guaranteed to advance your SEO campaign and to expedite your rise to the top of SERPs.

Hiring Thesis Writing Services In UK

Hiring Thesis Writing Services In UK

| Finance | No Comments

There are many reasons as to why you need a thesis written by someone else. Amongst them could be your job which takes much of your time, may be you travel a lot and there’s no time to sit and work on your thesis, it could be the environment you are in that gives you no room to do your work without distractions. In case you find yourself in these situations or more, consider to hire a thesis writing service in UK for the following reasons.

Team of experts writers

Instead of going for an individual who might mess with your work due to haste in bid to get your money, there’s a team of experts who come to your rescue and ensure that you are treated to the best service ever in thesis writing. As a privilege, the team may advice you on the best topics possible to choose for your thesis.

Deliver papers according to your standards

Whenever you have a specific format that you want included in your thesis, the hiring firm works on the directions that you serve them with. Nothing is done in their own way without your knowledge and therefore the quality of papers delivered never disappoint. You gain the advantage of quality control.

Delivery on time

You should consider a thesis writing service in the UK because of time. Time is money and hence your time. A hiring service ensures that your articles are packaged and ready to submit the time before or on the deadline. Nothing is done beyond the agreement time.

Plagiarism free papers

Thesis writers for hire guarantee you their original work that has been researched and studied on. Your safety and dignity is taken care of and no work submitted to you will ever be submitted to anyone else. No work that is done by hired thesis writing service is plagiarized.

Offer direct communication facility with writers

You do not have to check your mail box after every 15 minutes or pay for bills for calls answered and no results. Hire a thesis writing service and leave that with them. Since you have employed them, they will look for you.

At the same time, they provide you with easy and direct communication facility. Their customer cares are on point and 100% ready to attend to your needs just in case you would want to get information on the progress of your thesis.

5 Reasons You Should Implement Sales Management Software

5 Reasons You Should Implement Sales Management Software

| Finance | No Comments

In order to bring the functioning of your business to a brand new level, you need to introduce some necessary changes to your business model. As a business leader, you’re responsible for seeking new tools that will help your team be more efficient.

For that reason, you should learn about the properties of sales management software. This smart tool can be very helpful to businesses who want to enhance their sales – if you know how to use it properly. So, read up and find out what this piece of software can do for your business.

Introduce New Changes

In order to enhance your business model, you first need to figure out what’s wrong with it. But, for you to be able to realize which business processes are outdated or unprofitable, it’s vital that you give them a physical dimension.

5 Reasons You Should Implement Sales Management Software

Sales management software will provide you with tools to present your business model visually. When you upload all your activities, you’ll be able to see which ones need improvements and to introduce new changes accordingly. If you want to go a step further here, you should learn more about business process design.

Harmonize Your Processes

The next step you should take is harmonizing your business processes. Once you make improvements, you should pay close attention to the overall system and put your efforts into making it more fluent.

A quality piece of software will offer you the means to create a detailed system containing each activity and each task. Something like this can enable you to juggle multiple projects simultaneously because you’ll be able to keep track of projects and monitor your employees.

5 Reasons You Should Implement Sales Management Software

Manage Field Workers

In order to maximally increase your sales, it’s mandatory to you make your team as efficient as possible. For that to happen, you need to make every activity smarter – especially when it comes to remote ones.

With sales management software, you’ll be able to establish fluent communication among the members of your team – this includes your field workers. Thanks to this software, remote employees will be able to:

  • Receive notifications in real time.
  • Get new instructions.
  • Keep track of changes.
  • Attend to every customer as quickly as possible.

With this kind of system, you’ll be able to provide your customers with an ultimate service – which is the best possible way to retain them.

Organize Your Products

However, for your agents to be able to increase the quality of their service, they will need a clear overview of your products and stocks. For your team to enhance your sales, they need to be able to access every piece of information within seconds.

With sales system, your team will also be equipped with the tools that will enable them to:

  • enhance sales,
  • up-sell,
  • and cross-sell.

Spread Out on Smartphones

To survive today’s market, it’s quite important for you to keep up with the contemporary business model. You can be positive that your competitors is on the lookout for different ways to upgrade their service – as much as you are – and that they are trying to enhance their offer.

This is why you should attack a new area and spread your service to a new platform – portable devices. This will allow your sales team to be always updated and have access to all the necessary information whenever they need it and wherever they are.

For you to be able to do everything we listed above, you will need a quality piece of software that’s capable of providing you with the necessary tools – like this one https://www.bpmonline.com/sales-demo. You can even order the free trial version so that you’re confident that it’s appropriate for your business model.

Once you implement this software to the way you do business, you should make sure that you’re using each tool it provides. If you direct your efforts to using the full potential of quality sales management software, you’ll be able to see significant positive changes in your sales very soon after implementation.

Choose A Lawyer Very Carefully

Choose A Lawyer Very Carefully

| Finance | No Comments

Lawyers are not all the same. Yes, they all need to graduate from law school and pass the bar exam. However, that is where the similarities end. You should never make the mistake of thinking that one lawyer is just as good as the next. Many people believe that lawyers are basically interchangeable. However, that is simply not the case. The knowledge and skill that lawyers have inside the courtroom can be quite different. You do not want to discover in the middle of your case that your lawyer is not as good as you thought he was. This is why you need to take the search for a new lawyer very seriously. Consider everything that he brings to the table. This will allow you to make an informed decision. Here are some tips that will assist you.

1. Has anyone you know hired this particular lawyer before?

You might have your eye on a specific lawyer. You have read some info about him on the Internet that has impressed you. He specializes in handling cases that are in the field of the law that your case falls into. It would be very helpful if you could speak to some people who have been clients of that lawyer in the past. These people will be able to give you a detailed review of the way the lawyer handled their particular case. This would be very helpful when it comes to deciding whether to hire this person or not. Was the lawyer able to win their case? Was he very professional with a good attention to detail? Was he easy to get a hold of? Did he return their calls? These are all things that you need to know about a lawyer before you hire him to represent you in a court of law.

2. What type of reputation does the lawyer have in the local community?

Are you in the process of looking for a lawyer in Iowa? If so, you should try to find one that has been practicing law in the same community for a very long time. A lawyer with many years of experience working in the same local area will tell you a lot about this person. A lawyer would not be able to attract the amount of repeat customers needed to establish a successful practice unless he was very good at his job. Therefore, you should look for a lawyer who has established a great track record as part of a community over the span of at least five years.

3. What is the success rate of the lawyer?

This is something that most lawyers will not advertise. However, it is very important to know that you are hiring a winner. This means that you will need to see exactly how the lawyer has performed in court over the course of his career. You will be spending your hard-earned money to hire this lawyer. Therefore, you need to know that he has won the large percentage of his cases during his career. Make an effort to discover this info prior to agreeing to have a lawyer represent you. You can then begin to schedule consultations with lawyers after you have determined how successful they have been in all of their previous cases.

Home Improvement Ideas That Increase Home Value

Home Improvement Ideas That Increase Home Value

| Investments | No Comments

How much do you have to spend to renovate your home and what will it get in return? Is it worth to spend a fortune on ultra-luxury finishes to get a better ROI? What are the best features and updates that will appeal to the widest range of home buyers when you decide to sell?

Kitchen Remodeling

The kitchen is the heart of any home, and because of this, any update in this room pays off. Paint is relatively cheap and fresh paint in some interesting, yet relaxing colors can change the look of your cooking area immediately. For more eco-friendly kitchen look, you can consider using low-VOC paint. Think about replacing your old kitchen appliances with energy-efficient models. It is well-known that energy star appliances are energy efficient, saving you a fortune in the kitchen. Potential buyers are looking for ways to save money when looking for a new house. Remember, they are not looking for fancy home that will be expensive for remodeling a few years later, so don’t make your home fancier than the other houses in the neighborhood.

Extra Bathroom

If you have only one bathroom in your house, you can recoup 80%-130% of your investment by adding another one. Take a look at any underutilized spaces or extra rooms. You can also think about turning the area under the stairs or the large closet into a small, yet useful bathroom. You will need 30 sq ft for a full bath with a stand-up shower. If you want to include a bathtub, you will need at least 35 sq ft. For half-bath you will need at least 18 sq ft. The costs will depend largely on the additions and accessories you want to use. To save some money check Home Depot and Lowe’s – they often reduces prices.

Reinventing a Room

Adding a new room to your house can be an incredibly expensive project. Although you can recoup 50%-83% of your investment, the costs can spin out of control. You’ve probably watched on of the home remodeling TV shows where projects that start off with a budget of $15,000 quickly turn into $30,000. If you don’t want to into unexpected problems, you can reinvent the existing space in your home and save some money. You can convert the attic to a bedroom or finish a basement. You can also turn the garage into a beautiful outdoor kitchen or into a room that can be rent out later by the new owners.

Before you demolish walls, think about ways the new buyers can use the space:

  • Basements frequently work well as game rooms or living rooms. Many homeowners also turn this space into a comfy, small apartment for their old parents.
  • Attic spaces with high ceilings often work well for game rooms and craft rooms.
  • If you have kids, you can create a cool play room where they can entertain.

You can save a lot of money by doing the work yourself.

Basic Updates.

Replace the electric wiring and wood that rots, fix the roof when it leaks, replace the plumbing and keep the paint fresh. These types of chores will increase the value of your home and will also keep your home from deteriorating over time. Plus, home buyers are looking for a solid, safe and healthy house.

What Are The Benefits Of Investing In Real Estate?

What Are The Benefits Of Investing In Real Estate?

| Investments | No Comments

Thinking of diving into the world of real estate? If you do your due diligence in research, have the capital, and are well prepared, you can have a long and successful undertaking in this kind of investment. As with all things, you want to weigh the risks vs. the rewards. There are certainly many benefits to investing in real estate. Read on for a glimpse into what these are.

Value Appreciation

The general rule of thumb is that while the loan is being paid down, the value of your real estate purchase will go up. The only thing about this is that you have to be in it for the long haul, as you’ll surely need to ride out some recessions here and there. If you panic and sell right away, you’re not likely to see any significant returns. If you remain calm in all markets, however, you’ll surely see your property appreciate in value.

You Can Rely on Your Knowledge

If you’re confident in your ability to invest with success, the nice thing about real estate is you are your own boss. You can research your financial advisor’s ad nauseum, but there will always be that hint of doubt in the back of your mind that they are investing your hard-earned money in the right way. With real estate, you can count on your own ability to hustle. You can talk with other investors, do a ton of market research, and join investment groups which will likely give you a leg up on other potential investors. In other words, you do you, and if this is your M.O. anyway, this will be a great fit. And if you’re a DIY person who can handle remodels and repairs as well as decorating your property on your own, you’ll be even more well off.

This is the very reason Frontier Properties CEO Nick Evans got into real estate. He knew he had a knack for flipping houses and investing money, so he was able to parlay his passion into an extremely well-run and successful business.

Inflation Will Help You

Just the word “inflation” makes the average person cringe. With real estate investors, however, this is often a welcome trend. Along with everything else, inflation will push up rent prices while fixed-rate mortgage payments will remain the same. It’s simple math at that point, and you’ll reap the benefits. And as long as you or whoever you’ve hired to handle the property treats tenants well and handles home maintenance, these people are likely to stick with you despite an increase in rent.

You’ll Get Tax Breaks

As everyone knows, owning real estate means tax breaks, but what you might not realize is how significant your tax breaks will be if you rent out your property. As Entrepreneur.com VIP Contributor Brandon Turner notes, “Not only is the cash flow received from your rentals not subject to self-employment tax, the government offers tax benefits including depreciation and significantly lower tax-rates for long-term profits.” Talk about a win/win.

These Investments Enhance Your Portfolio

You’ve likely heard of the need to diversify your portfolio, and real estate investment will do just that. As Investopedia Contributor Ian Woychuk, CFA, notes, “Real estate returns have relatively low correlations with other asset classes (traditional investment vehicles such as stocks and bonds), which adds to the diversification of your portfolio.” It also yields higher returns for you than other investments in relation to risk.

The Cold, Hard Cash

Whether this is a side gig or has the potential to be your full-time pursuit, a huge benefit to real estate investing is that it’ll give you some liquid to work with. The extra cash you have after the bills are paid every month can be reinvested in real estate or other investments, saved, or used to support your current lifestyle. Either way, it’ll be nice to have some cash flow.

If you’re thinking about investing in real estate, you’ll want to weigh any risks versus the benefits listed here. If you decided that the rewards are greater than any negatives of investing, you’ll be on your way to an exciting pursuit.

How Beneficial Has Budget 2017 Proven To Be?

How Beneficial Has Budget 2017 Proven To Be?

| Finance | No Comments

These days the real market has opened up to many new investors and also has faced a lot of changes. These changes have majorly been experienced after the budget announcements of 2017. The Indian economy has undergone major changes especially after the demonetization, which was introduced to fight back the corruption. Followed by the demonetization, the budget 2017 has brought a lot of changes in the real estate sector which has proven to be beneficial for new investors.

The groundwork for a Home Loan and Home Loan market was laid a couple of years ago when the government introduced “Housing for All”. Under the “Housing for All”, the government aims to have every Indian citizen own a house till the year 2022. For which the price of real estate has been brought down, wherein, you can use 30 sq. meter and 60 sq. meter as the carpet area. However, previously the limit of 30 sq. meter and 60 sq. meter was for a built-up area. The budget 2017 has brought in a series of policies which will benefit the investors as well as the developers. Especially, the infrastructure status which has reduced the cost of funding for property builders.

The budget 2017 will also benefit you if you are willing to sell an occupied property. Earlier the captain tax period was three years which has reduced to 2 years which means you have to pay less captain tax. Also, the nation tax on an unsold but ready property will be charged after one year as well as the landholder has only to pay tax once the property is fully constructed. These policies have not only increased the number of investors but have also increased the supply of the property.

After the introduction of demonetization, Home Loans have become quite economical. The Home Loan interest rates offered now, are quite low than the previous years. These low rates are one of the reasons why investors are looking forward to allocating their funds in real estate sector. The outline of budget 2017 has enhanced the experience of Home Loan buyers by introducing more schemes and policies adding on the low-interest rates. After the demonetization, the Reserve Bank of India (RBI) has cut down the repo rates which has thus, dropped down the interest rates on all loans as well as investments. Furthermore, this low rate of interest has added on to the affordable housing schemes.

Besides this, the government has also added on to the “Housing for All” by discounting the interest rates by 3% for a Home Loan up to INR 12 lakhs in an urban area and 4% for the rural area who are borrowing a loan up to INR 9 lakhs. Also, these Home Loan rates are applicable for the ones who wish to borrow a loan for renovating their house.

Apart from budget related to Home Loans, there are several other benefits:

  • The National Housing Banks (NHB) is to refinance loans up to INR 20,000 crore.
  • Aiming to create one crore rural houses till 2019.
  • Introduction of new FDI policies.
  • A cash transaction above three lakhs will be not permitted.
  • Indra Awaas Yojana will be extended to 600 districts.
  • INR 64,000 crores allocated for National Highway.

If you are looking for a property investment, then this can be a favourable time to do so. As the demonetization has brought in the cut down of repo rates, wherein, the introduction of budget 2017 has enhanced the process of buying Home Loans by launching various schemes and policies. The budget on real estate has benefited the investors as well as the developers.

Unravel Your Travel by Fixed Deposit Investment

Unravel Your Travel by Fixed Deposit Investment

| Investments | No Comments

It is a fact that no matter what we have, we are never satisfied. The more we get, the more we desire. However, just relying on our monthly salaries is not enough to fulfil all our needs. While we spend most of our times in earning, we somehow neglect the importance of managing our finances and saving for plans. You never know what may happen and when you run out of cash. Such uncertainties lead to a lot of difficulties and render us ineffective to manage the money. Hence it is very important to understand your present needs and future goals. Well, investments can help us manage things and bring us closer to our dreams.

Investment is not a one-day thing. One should develop a habit of investing to get adapted to the nature of an investment. Let us consider a simple thing like travelling.

Travelling is fun only if you have money in your pocket. We have compromised on so many trips to beautiful places because of the financial barrier. While we are living to earn, when will we earn to live?

Well, if you have ever made plans to travel, you might have thought about minimising expenses as far as possible. Some of the smart ways to finance your travel are:

  • Take a loan ( personal loan for travel)
  • Use a credit card
  • Loan against mutual funds or stocks
  • Open a Fixed Deposit (FD)

Let us see which option stands out as the best. Taking a loan is advisable only when you are really in need of money. The loan amount can finance your travel, but what about the EMIs. Moreover, a personal loan is an unsecured loan with a very high-interest rate as compared to other secured loans. You can manage your travel finances easily. However, there will always be a burden to return the amount you borrowed. If you think of using your credit card, think of that credit limit. You can use a credit card for certain expenses related to your travel, but that will ultimately reduce your credit limit and increase the debt. A loan against mutual funds can be availed only if you have sufficient investments to be used as collateral. Last but not the least, opening a FD is a form of investment. While this will not provide you immediate returns, it can save you from debts related to personal loans and credit cards. Let us see how.

Travelling and Fixed Deposit Investment:

It is true that we cannot predict what may happen, but we can surely start preparing. Investing can avoid all uncertainties while providing a financial relief. However, it needs planning and a comparison between different options. While Investing in PPF, mutual funds, equity shares can give high returns; these are relatively risky. So, why not opt for FD investment to finance a planned or emergency trip?

Here is what an FD can do for you:

  • High-interest rates: Investing in FD grants high-interest rates and increases the interest amount you earn on the deposit. Use an FD calculator on NBFC websites like Bajaj Finance to understand the impact of high-interest rates on the amount you will avail at the end of the tenure and plan how much to invest for your goals.
  • Premature withdrawal: In case of any emergency, you can withdraw the deposited amount.
  • Loan provision: This is one of the best features of an FD. In case you need some money for a particular purpose, you can avail loan on the deposited amount. As you have already invested some money, you can easily pay off the loan amount.

So stop cancelling, start planning and don’t let finances bother your dreams.

How Can Making The Move To Digital Signage Improve Your Brand? 

| Finance | No Comments

One of the biggest concerns you have as a business owner is how to improve your brand. This involves much more than just the strength of your inventory and the fairness of your prices. Your brand is the sum total of a whole mass of intangibles. Your visibility on the world wide web leads to the level of public recognition that you enjoy. But tied to this is the strength of your public reputation. All of these factors lead to the success or failure of your brand and your survival or lack thereof in the world of business. This means that you need to keep it as strong as possible.

If You Want to Improve Your Brand, You’ll Need to Improve Your Store

One of the very best ways to improve your brand is to improve the quality of your physical location. All of the best advertising techniques in the world won’t keep you in business if your customer service is not up to par. If you want to improve this crucial aspect of your dealings with the public, you need to start in the place where you meet them every day. This means improving the shopping experience for customers in your store. One of the best ways to achieve this important goal is to improve the quality of signage that helps customers navigate all around your store.

Switching to Digital Signage Improves the Quality of Your Customer Service

Making the move to digital signage will vastly improve the quality of your customer service. Instead of being confused by a bunch of paper or metal signs in bad quality that may be showing them a whole lot of outdated info, you can use digital signage to give them a much easier shopping experience. Digital signage is strictly uniform, meaning that customers won’t be confused by seeing a plethora of signs in all kinds of shapes, sizes, and physical condition. You can program your digital signs to make them aware of sales, special items, emergency exits, and all kinds of upcoming events.

You Never Have to Keep Ordering Digital Signs for One Time Use

One of the very best features associated with digital signage is the fact that you never have to throw them away after a single use. When a digital sign has served its purpose in advertising a sale or other event, you don’t have to discard it and order another one. All you need to do is reprogram it to reflect a new state of affairs in your store. You can use them time and time again for a thousand different purposes without ever having to worry about them wearing out. This convenience is a comfort to business owners who are wary of having signage costs eat into their profits.

Digital Signage Improves Your Credibility as a Modern Business Owner

Perhaps the most profound effect that making the move to digital signage will have on the strength of your brand is the credibility it will give you. Your customers expect a streamlined shopping experience. They want to navigate quickly and easily around your store with a minimum of wasted effort. They desire to find the goods they need quickly so that they can get on with the rest of their day. Digital signage is the tool you need to give them this quick shopping experience. It’s a move you need to make to place yourself above your competitors.

The Time to Make the Move to Digital Signage is Now

There is no time like the present to make the move to digital signage. The comfort and safety of your customers is paramount to your interests as a business owner. Since your customers expect you to be up to speed on all of the latest modern technological developments, you owe it to yourself to satisfy their wishes. This is one area in which it is very unwise to lag behind your competitors. It’s a move that you can make quickly and easily for a price that your budget will able to absorb. If you are interested in making this important move, the time is now. Click here for more info.

Remodeling An Old Bedroom’s Walls

| Finance | No Comments

If you have purchased an older home, it may be the case that the drywall or plaster that you have on your walls is not adequate to protect you during the cold of the Winter or the heat of the Summer. So when you remodel your bedroom, it is a good idea to take a look at including the walls.

Here are some details on remodeling options for the walls of your bedroom that can save you time and money:

Budget for Insulation:

Anytime you have an older home, chances are you will not have adequate insulation in the walls. When you pull a panel off the wall, you will likely find that instead of insulation with backing, you will have loose insulation or no insulation at all. Because you can probably expect that you will have an inadequacy in this department, it is a good idea to budget for insulation and finds out what type of insulation will optimize the weatherization of your bedroom in advance of starting your remodel. In addition to picking out the R-value of the insulation that you decide to use, it also makes sense to select the backing type that your are interested in.

Get Drywall Tools:

Sounds strange, but if you are doing your own drywall with one or fewer contractors, getting some drywall equipment can save you money because it saves you time in moving and preparing the drywall to be installed. One piece of equipment that will be useful throughout the life of your home is a drywall cart. You can normally get them at a local building supply store. If you want to save money, you can look online at a site like accesscasters.com and choose some casters for drywall cart that match your project. You can then attach them to a custom cart or chassis that shouldn’t cost that much to build at a local welding shop. By doing it that way, you can probably save about half the money that you would normally pay for a drywall cart.

Get a Professional Designer to choose your Wallcovering:

If you have an eye for design, it may be nice to choose the color that you want in your room. At the same time, there are plenty of people that would like to add value to their home but do not feel strong enough about a color to make a decision. At those times, it can be helpful to switch everything over to a designer who can provide you with choices that are akin to a fine pairing of wine with your meal. It can also help to look at different textures. The bedroom is one room where wallpaper can still reign. Wainscoting is another popular choice for a retro look in some homes. Full wood paneling or oak strips are other ways of creating a specific look that can be topical to the rest of the design in your bedroom.

When you choose to remodel your bedroom, being particular about how you upgrade it can pay off. This is because although bedrooms usually add the least value to a home when they are remodeled, a bedroom that is changed into a master suite or is professionally designed can add just as much value to your home as any other room.

Party Planning: Choosing A Caterer

| Finance | No Comments

No matter what type of event you are having, the food is going to be one of the most important aspects of it. After all, there may be nothing worse at a party or event then guests who are hungry and wanting something to eat. But with all the available caterers out there, how do you know you’re getting the right one for your special occasion? The following tips will give you the required information to ensure the caterer you hire is the best fit for your event.

Choose your Style

Catering has come a long way in recent years and there are a wide array of styles and options now available. While you still have the traditional catering options of buffet or sit down style, there are also new and exciting options, such as food truck catering in Florida. Knowing the type of catering you want for your event will help make finding the perfect caterer much easier. Keep in mind, however, that not all types of catering are suitable for every event.

Schedule a Visit

Before you make your finale decision, it’s important to visit the catering company’s kitchen. This will let you get a behind-the-scenes look of the business, as well as the level of professionalism and cleanliness they have. Seeing a dirty and/or chaotic kitchen is a huge red flag that you should find a different caterer.

Staff Available

No matter what type of event you are planning, the amount of staff the catering company should be an important part of the decision process. Staff members can include captains of service, servers, and bar staff. They will be the ones waiting and serving your guests. If the catering company doesn’t have an adequate amount of staff, you could be left trying to find people to help serve food.

Taste the Food

No one should hire a catering company without first getting a taste of the food. This will give you the vital insight on their quality. It will also allow you the option of approving or saying “Pass” to the menu they have designed for your event. With that said, you, the client, should have final approval of the menu. Any catering company that won’t give you final approval or offer a tasting should be avoided.

The Cost

The cost of service will make or break your ability to hire the caterer. Unfortunately, some catering companies will tack on extra fees and additional costs that you weren’t aware of when obtaining a quote. Inform the catering company of your budget and when they do give you a quote, make sure it is the total cost of service

Hiring A Public Relations Firm

| Finance | No Comments

There might come a time at some point in the future when it becomes necessary for you to hire a public relations company. If this is the case, you need to be sure that the firm you hire knows what they are doing. There are certainly a great deal of companies that are involved in the public relations industry. How does a person go about deciding which firm is the best to represent them? This is certainly a huge decision that should not be taken lightly. Here are several of the most essential details that you need to take into consideration when you are searching for a public relations firm to hire.

1. Who are some of the public relations firm’s previous clients?

You need to get an idea of who the firm has represented in the past. This will show you a lot about how good the firm is and the quality of public relations work that they can provide for you. All of the reputable public relations firms should have no problem providing you with a list of their previous clients. Stay away from the firms that refuse to comply with this request.

2. How many years has the firm been around?

It goes without saying that you do not want a public relations firm to represent you if they just got into the business a few weeks ago. You need to be sure that the firm you hire has an established track record and employs people with many years of experience in the industry. Make sure you look for these things when you are comparing all of the PR firms in South Florida. Being represented by people who have handled dozens of clients in the past will give you the peace of mind that you are in very good hands.

3. Meet with different public relations companies and listen to their pitches.

The next step will be to call several public relations companies and set up appointments with them. You will provide the firms with info about yourself and your business. They will devise a public relations campaign that is tailored to your specific needs. You will then meet with each firm a second time so you can hear their pitch. This meeting will consist of the firm telling you about their strategy and what they will do for you if you decide to hire them. You can then make your decision.

The Improvements You Need To Make To Your Company’s Bathroom

| Finance | No Comments

When it comes to running a business, you don’t often put the bathroom at the top of your list of priorities. However, an unattractive or unclean restroom can be a huge turnoff to customers. All it takes is one day where you neglected to ensure that the restroom was cleaned and suddenly you have a bad review written about your company online.

To help you ensure that you never find yourself in this situation, here are some of the improvements that you need to make to your company’s bathroom.

Repair Partitions

Partitions are essential in any commercial restroom with multiple stalls. They are the things that give people a sense of privacy and security. If the partitions in your restroom are falling apart or very old, then it’s time to have them replaced. Search online for “bathroom partitions Jacksonville FL” to find the best and most fairly priced bathroom partitions in your area.

Stick To A Cleaning Schedule

The level of cleanliness is the most important aspect of any commercial restroom. A bathroom can be modern and beautifully styled, but if it’s dirty, then all of that effort that went into the design will have been for nothing. If you have an internal cleaning staff, be sure that they’re sticking to a schedule that has them checking the bathrooms more than once a day. If you hire an external service to clean your facility, then make sure that they are doing a very thorough job cleaning the restrooms every night. If your cleaning service doesn’t clean the floor, then it’s time to find a new janitorial service.

Decorate

A public bathroom doesn’t have to be boring or plain. Inexpensive decorations can make a world of difference. All it takes is a vase filled with faux flowers and a painting hanging on the wall to take a drab bathroom and turn it into a lovely place to be. When it comes to public restrooms, these little touches make big differences.

You can also replace that terrible public restroom soap with some lovely scented liquid soaps that customers will actually be happy to use. Put out a few jars of potpourri or scented beads to ensure that the room smells great. These little touches are so minor and so inexpensive, but they make a huge impact on your customers’ overall impression of your business.

Never forget about the bathroom when it comes to ensuring that your business is clean, welcoming and lovely. If you implement these little changes, you’ll be amazed at how well your customers respond. You want your business to be a place where customers love every single aspect and have nothing but good things to say.

Getting A License To Sell Alcohol

| Finance | No Comments

As crazy as it may seem in this day and age, getting a license to serve or sell alcohol can be extremely complicated and stressful.  With a labyrinth of both federal, state, and local regulations to wade through, even the most  savvy business owner can be at a loss for what to do next.  Luckily, there are services out there that can take some of the load off of business owners by consulting and helping figure out the road to getting the right type of alcohol license without the stress, leaving time for attention to profits and taking care of customers instead of reading statutes.  Texas Alcohol Consulting is one such firm.

Texas Alcohol Consulting specializes in the ins and outs of Texas alcohol laws.  There are several different types of licenses that a business can apply for, and this company can help you figure out just what type of license your business needs to thrive, all while making sure you are not paying thousands for a level of license that is not really necessary or isn’t going to result in enough on the bottom line to be worth it in the end.  They can help you crunch the numbers and find out which road you need to take.

Consultation is just part one of Texas Alcohol Consulting’s service, however.  They don’t just help you decide what you need to do.  They roll up their sleeves and help you make it happen.  Getting a Texas liquor license is not as simple as filling out a form and sending a check to the local government.  There are tons of regulations, and you are going to be expected to keep your business in full compliance at all times.  Having someone in your corner to look after not only the application and approval process, but the ongoing compliance process as well can really make things easier.  It can also allow business owners to spend their time worrying about things that really matter instead of wading through government red tape.

Don’t waste any more money or time trying to figure these things out yourself.  Contact Texas Alcohol Consulting and get started on the road to profitability without extra stress.