Category: general

Major differences between best SIP plans and Fixed deposits.

Introduction

These days, there are several investment options for a common investor and it becomes difficult for him to choose the right strategy. SIPs and FDs sound very much the same and it becomes confusing for the first time investor.

This article will list the major differences between these two financial instruments.

What is a SIP?

When you invest systematically over a period of time, this plan is called an SIP. You can choose any amount in your SIP plan, it can be Rs. 500 per month or 5 lacs. Your instalment depends upon how much money you can spare for a SIP plan.

Fixed Deposit

In a Fixed Deposit or FD, your deposit is fixed for 6 months , 12 months or 18 months. Once you have committed a certain sum of money for a particular period, then you don’t have to worry about making regular deposits. As we have seen above, in a SIP, you should make regular deposits.

Major differences

  1. The first major difference is the one related to rates or yields.

In an FD, the rate of interest is fixed and you know your return after the term is over. For example, when you invest a sum of 10,000 rupees for 12 months at the rate of 5%, then you know that after those 12 months, you will get 10,500 rupees.

The yield of an investor varies in an SIP. When you invest in that scheme, the fund manager reinvests that money in those equity or debt instruments which he thinks are outperforming the market. He may be right or wrong in his calculations and therefore, an SIP investor may or may not get the desired results. Please note that when you make SIP deposits, your yields may fluctuate; you have no reason to control the reasons for those fluctuations.

  1. Nature of investors

FDs are meant for conservative investors i.e. those people who are risk averse. These people avoid taking risks and would like to settle for lesser yields or returns.

On the other hand, an SIP is preferred by both the conservative as well as the aggressive investors. Typically, investors who are flush with funds choose SIPs. They have a high appetite for risk and won’t mind losing money in the short or medium term.

Conservative investors also prefer SIPs. The beauty of investing in best SIP plans is that it matches your financial strength (disposable income), and risk taking ability. So if you have very less cash to spare, then choose the right SIP.

  1. Nature of returns

The returns generated from a Fixed Deposit are based on interest alone but in the case of an SIP, they are dependent on dividends and capital gains.

As seen earlier, when you invest 10,000 rupees for 12 months @5%, you get a yield of 500 rupees.

In the case of an SIP, you are rewarded through dividends or capital gains. You get a part of the profit of the investee company by way of dividends. When …

5 Risks to Avoid When Applying for a Loan against Property

When applying for a loan against property, you must keep a few things in mind, like your profile and the bank’s eligibility criteria, papers of the property to be mortgaged, other documents, and a lot more. To prevent rejection of your loan application, you must fulfil the requirement by the loan-provider. This is why you must be well aware of the loan scheme before trying to avail the same.

You can click here for a bank offer on property loan in India.

Here are details of some of the risks and mistakes to avoid when making a property loan application.

  1. Too Old Property

The age of the property and its condition will determine the loan amount and tenure. The less old the property, longer the tenure you can attain. For instance, if the house is 15 years old, and the age cap for an eligible property is 30 years, then you can avail the maximum tenure of 15 years. If the house is 20 years old, then maximum tenure could be up to 10 years.

Your personal income, business income, property’s value will influence the loan amount. The valuation team from the financial institution will visit the property to evaluate it by considering the property’s market value, age, location, etc. Although real estate properties appreciate in the market, older buildings are strictly supervised.

Older properties may grant a lower loan amount, than the newer properties. However, if an old property is well maintained and necessary reconstructions and renovations are done, then you can avail a better loan amount and tenure.

  1. Missing Property Approval Documents

Many applicants have all the property documents, except the ones of government approvals. Age-old properties need to be updated in regards to property documents and approvals. Many times, people do not bother applying for approval documents and at time of loan application, they do not have sufficient papers to submit.

Banks usually do not favour a loan application with missing documents. Title deed and other documents are as much necessary as the property agreement. Approval documents can be lost or damaged, but can be re-applied for. So, if you wish to apply for a property loan, make sure you have the required documents in place.

  1. Non-Consenting Co-Applicants

Co-owners of a property become co-applicants for a loan against the said property. Thus, all co-owners must give consent, if you want to pledge a jointly-owned property for a loan. They can either co-sign the loan application or sign an agreement with you stating that they are not the owners of the property anymore. In the latter case, you shall be able to apply for the loan, all by yourself.

  1. Insufficient Proof of Income Tax Return

If you are a self-employed individual, then income tax return proof of the last 3 years are required. If you are a salaried individual, but filed your returns for only a year, then your loan application can be approved, if you have other supportive proof of income, banking documents, and no tax …

How can technology help you to keep a track of all your small loans?

Small loans are taken by millions of people every year for consolidation of debt, paying for unexpected expenses, and even for making home improvements, and more. In the past couple of years, with the introduction and advancement of technology, the whole scenario of such loans has undergone a drastic change. One can easily apply for the small loans online and track the amount transferred and other details through the apps and emails too. There are also other ways in which technology helps in keeping track of the loans, and some of those crucial ways have been mentioned below.

The introduction of apps

Most of the lenders who offer small loans nowadays have their app for helping the borrowers keep better track of their loans. The apps help the borrowers to clarify different doubts and queries that they have, and the customer service representatives help them with the answers. One can also know the various other initiatives, offers, and discounts offered by the company through these apps.

Knowing the market conditions

There are also many other websites and apps that help you know the market conditions regarding the proper timing and interest rate of the small loans. It is important to note that many of the lenders do not keep fixed interest rates. Their interest rates vary according to the conditions of the market. In such a scenario, you can keep track of the market to know the proper timings for availing the loans, which will keep you in a profitable position.

Using the chatbots

Many banks and financial institutions have already launched chatbots through Facebook Messenger app to offer customers real-time alerts. The bots, at present, have limited functionality and they are mostly used for answering the doubts of the customers and keeping them updated with the latest initiatives and innovations of the banks and the financial institutions.

Getting email and text notifications

Keeping track of the loans have become even easier thanks to the facilitation of emails and text notifications by the lenders. The borrower just needs to turn on the notifications from the bank at the time of application. All the details of money transfer and reminders will come directly to your inbox along with any new offers and proposals to keep you updated about your account. You can Visit this website to know more.

Introduction of the cloud technology

Cloud-based loan centers have become commonplace today whereby the borrowers can access the centers 24/7 from mobile devices and computers to check their loan status, sign the documents electronically, upload the important documents, and also maintain a digital record system.

The future of using technology for tracking the loans

As further improvements of technology enter the market, the traditional lenders have finally started feeling the pressure of using technology to not only improve their processes but also to serve the customers better. There are multiple ways in which technology improves the loan processes for both the borrower and the lender, and substantial progress has already been registered in …

How Growing Number Of Atm’s Affecting Cash In Transit Industry

The cash-in-transit industry is growing at a rapid pace across the world, as the number of ATMs increases exponentially. Already, around 80-85 percent of consumer transactions globally are performed using cash. According to ATM industry statistics, the cash-in-transit services market was valued at $ 17.8 billion in 2016 and is predicted to grow at a CAGR of 6–8 percent.

Cash-in-transit (CIT) vehicles are used for the physical transfer of cash and other valuable items from one location to another. In developed nations opting for cash transactions has become popular as a way to avoid credit card debts, while in developing nations increased earnings has given more cash to the public; resulting in the use of physical cash in both cases.

Growing Number of ATMs

The number of ATMs across the world has increased at a rapid rate, with the highest number of ATMs per 100,000 adults reaching 230 in 2017 in Canada from 184 in 2004. After Canada, the highest ratio of ATMs per 100,000 adults is in Portugal (167) and Australia (139).

The boost in technology and urbanization has also led to an increase in the establishment of ATMs, especially in rural areas. While China and India are considered to be the fastest growing markets for ATMs, they are already well-established in markets such as South Korea and Japan

ATM and CIT Industry Connection

There is a direct correlation between the growth of ATMs and the cash-in-transit industry, as the CIT industry plays an important role in supplying the ATMs. Wherever more ATMs are set up, whether in a rural setting or cities, CIT support is required to ensure that the ATMs are stocked and can provide users with cash.

Apart from simply delivering cash from one point to another, the cash-in-transit industry also has a task of adhering to banking regulations and maintaining the security of their cargo.

Importance of CIT

An increase in crime rates led to the outsourcing of cash handling services to specialist providers who can transport the cash in a more secured process. Apart from specialized vehicles and personnel, the CIT industry also uses continuous technology implementation by concealing tracking devices amongst the cash which can alert security personnel in case of theft and also aid in asset recovery.

Legally, CIT companies are considered to be logistic companies in the private security industry and accordingly have to comply with transport and security legislation of the respective country, specifying the types of vehicles, the minimum number of crew members, and use of firearms. Vehicles used for CIT services include soft-skinned, semi-armored or armored vehicles.

Challenges for CIT

As dependent as CIT is on cash transactions and transport of valuable goods, the rise in popularity of cashless transactions and digital payments poses a challenge to the CIT industry. Many developed nations are encouraging cashless payments which reduces the amount of cash-handling as well as the risk of theft.

However, for many regions across the globe, going completely cashless is not feasible, neither for the customers …

Vous pouvez vous amuser à la fête d’anniversaire de votre enfant – Si vous lisez ceci avant de réserver le divertissement

Un moyen facile et abordable de s’amuser pendant la fête de votre enfant est de faire appel à un animateur professionnel.

Malheureusement, la plupart des gens oublient – ou ne savent pas – quoi faire avant de réserver le spectacle. En conséquence, ils finissent par embaucher la mauvaise personne et passent toute la fête à la poursuite d’enfants à la maison.

Maintenant, vous pouvez vous amuser à la fête de votre enfant. Prenez seulement 3 minutes pour lire cet article en entier, et vous serez l’un des rares chanceux à pouvoir manger leur gâteau et le manger aussi! Planifiez à l’avance et réservez tôt. Dans quelle mesure serait-il décevant de savoir que le meilleur animateur pour enfants est déjà réservé? Évitez de voir vos enfants faire la moue en réservant au moins un mois à l’avance leur magicien, clown ou artiste de ballon. Prévoyez de réserver encore plus tôt si la fête de votre enfant a lieu autour d’un jour férié majeur ou pendant les mois de pointe comme octobre, décembre ou mai.

Budget En 2012, le taux moyen d’un illusionniste conférencier à New York varie de 250 $ à 500 $. C’est vraiment raisonnable, étant donné que c’est moins de la moitié du coût d’amener toute la famille à un spectacle de Broadway. De plus, vous et tous vos invités aurez votre propre performance privée! Bien sûr, si vous cherchez assez fort, vous pourriez rencontrer un geste moins cher. Mais quand il s’agit d’animateurs pour enfants, vous en avez vraiment pour votre argent. Personne ne veut regarder un artiste brouiller son numéro. Et les enfants ne resteront pas immobiles et applaudiront poliment si la loi est ennuyeuse. Un animateur professionnel pour enfants aura les atouts pour engager et divertir les enfants et les adultes. L’investissement en vaut donc la peine.

Lire les commentaires Avant de réserver, vérifiez ce que les autres parents disent. Lisez toutes les critiques sur le site Web de l’artiste. Vous pouvez rechercher des avis de parents sur des sites de médias sociaux tels que Facebook, Yelp, Google+ ou Twitter. Les autres endroits que vous pouvez rechercher incluent les commentaires et les informations d’identité. Après avoir visité le site Web de l’artiste, entrez son nom dans Google et voyez ce qui apparaît. Cherchez des preuves qui montrent à quel point ils sont merveilleux avec les enfants. Depuis combien de temps cette personne joue-t-elle? Cet artiste a-t-il déjà travaillé avec des enfants? Des diplômes d’études supérieures, des prix ou des affiliations professionnelles? Qu’est-ce qui rend cet artiste unique?

Regardez leur vidéo L’artiste est-il habillé de manière professionnelle? Est-ce que l’acte a l’air familial? Rechercher une vidéo de démonstration sur leur site web. Vous pouvez également consulter YouTube. Si vous ne trouvez pas leur vidéo, vous l’auriez peut-être manquée. Certains navigateurs Internet avec des paramètres de confidentialité stricts peuvent empêcher l’affichage de vidéos. Dans ce cas, ajustez vos paramètres de confidentialité ou demandez simplement à l’artiste un lien vers la vidéo. Sur demande, de nombreux artistes sont disposés …

Pourquoi embaucher un illusionniste sur un magicien?

Lorsque vous envisagez de recruter un magicien, vous voudrez peut-être y réfléchir à deux fois. Contrairement aux magiciens, les illusionnistes sont des scientifiques de la magie. Ils peuvent faire de la magie à une échelle beaucoup plus grande, comme faire disparaître des tigres et des lions. illusionniste conf?rencier est un exemple d’illusionniste. il peut livrer de superbes cascades, astuces et performances tout en restant professionnel et correct. Les magiciens, par contre, peuvent être trouvés dans la rue ou lors de carnavals. Les autres illusionnistes incluent Kris Angel et David Blaine.

Voir les illusionnistes comme des docteurs de la magie. Ils possèdent l’expérience et la formation nécessaires pour exécuter ces événements plus importants que la vie. Les magiciens peuvent être utilisés comme assistants, mais ils ne pourraient jamais jouer à ce type de jeux. Par exemple, Siegfried et Roy étaient des illusionnistes en raison de la gravité et de la gravité de leurs événements. La plupart des magiciens seraient effrayés s’ils étaient coincés dans une cage avec des lions, des tigres et des ours! Un illusionniste combine l’art de la magie avec la science et la psychologie de l’illusion.

Ils peuvent réaliser l’illusion en raison de leurs connaissances scientifiques et techniques. Un illusionniste doit chronométrer tout parfaitement, en prenant note des divers calculs et délais. Une seconde trop tard pourrait mettre leur vie en danger. Ainsi, ils savent ce qu’ils font. Un illusionniste distrait le public et contrôle son esprit par égarement et par un tour de passe-passe. Les illusionnistes peuvent voir dans l’esprit des gens et les manipuler pour que la cascade ou l’événement se déroule comme prévu. Le public voit ce que l’illusionniste veut qu’ils voient; que ce soit réel ou non est à débattre.

illusionniste conf?rencier est un illusionniste en raison des spectacles de grande envergure et des antécédents de Las Vegas. Il est l’un des rares illusionnistes à avoir une profonde compréhension de la psyché humaine – pour le meilleur ou pour le pire. Bien qu’il ne puisse pas lire dans nos pensées, il utilise la façon dont notre cerveau fonctionne pour interpréter ses illusions et ses événements. Tout en ne profitant pas de son public, il utilise leur innocence à son avantage.…

The Benefits of Bad Credit Loans

The term “bad credit loans” speaks for itself. It means great news for borrowers with bad credit who still have a chance to get urgent cash instantly. However, are there any other benefits? How can this type of financial service help? What are the basic requirements? How to repay bad credit loans? You will find all necessary answers here https://www.loanaway.com/loans/bad-credit-loans/.


As for the core benefits, online loans are probably the fastest way of solving your budget emergencies. They are very easy to apply for in addition to availability online. Check all the benefits in the list below:

–          Online application – apply from anywhere and any time

–          Less paperwork – avoid piles of rubbish during the application process.

–          Quick Approval – get the answer fast within several minutes.

–          Simple terms – benefit from clear rates and payout schedules with no hidden fees.

Would you like to apply for a bad credit loan now? Visit https://loanaway.ca/bad-credit-loans-canada/.

Tips on How to Repay the Loan

What a relief! You have got needed cash and handled all financial troubles. What’s next? Now you need to think of the strategy to repay the debt quickly. Apart from the ability to get another loan in future, it will also let you repair your credit. So, here are some of the essential tips:

–          Do not overspend – spend only the sum you need. Do not buy useless things.

–          Do not spend the entire some at a time.

–          Stick to the payment schedule. Setting calendar alerts or push notifications would be a clever idea.

–          Repay in advance – every time you have extra cash, try to cover the debt before the deadline.

Always keep in mind that missing the Day X can be to the detriment of your financial situation. It might lead to fines and extra commissions. At the same time, you will never be able to repair your credit. Take it very seriously!

Your Search for Stainless Steel Roller Bearings Just Got Easier

The old days of shopping for industrial parts used to be a nightmare. If you are of a certain age, you may well remember them. You had a number of choices when it came to looking for parts. None of them were especially desirable, especially in light of the new series of developments that ultimately made them obsolete. But the worst one was when you had to go cruising all over town to various parts suppliers. You had to hope that they had the part you needed in stock. If not, it was on to the next one.

The Bad Old Days of Sub-Par Shopping Options are Long Gone

The other alternative was more cost effective but extremely annoying in its own way. This was the option that enabled you to save time, money, gas, and your nerves by instead making use of a mail order catalog. So far, so good. You just had to order the parts you needed from the catalog and then move on. But what happened after you put the check in the mail? You then waited four to six – or sometimes six to eight – weeks for the parts to arrive.

It’s Easier Than Ever to Quickly Get the Parts You Need

Luckily for you, the 21st century has done away with these old and tedious shopping methods. You can now order stainless steel roller bearings directly from the world wide web. There is no more extended waiting period and you won’t have to use up precious time and resources to find what you need. Just click on to the web, order the parts you require, and you’re done for the day.

Modern business owners who order stainless steel roller bearings and other industrial parts should give thanks to the world wide web. Without it, they would be straight back in the bad old days. Learning how to shop smart instead of hard is a privilege that belongs to the present age. It’s the advantage you have over the past when you order supplies.…

Doing Seo the Right Way

Using a small business seo service is so mandatory these days that I am astonished to discover that many businesses don’t utilize it. Since we no longer live in the day and age of the phone book with all the businesses listed in them, you need to get your business ranked on a search engine. While you can still get a phone book, no one uses them outside of the older people who are likely already loyal to a particular business. If you want new customers, you simply must get a good listing on a search engine.

How do you get your business so that it shows up high in the search engine rankings? You can do what I did for a few years which was essentially nothing and just hoping your customers will find you on a search. The problem is that most people don’t go to the second page of search results. Heck, most people don’t go down more than three or four spots from the top. That’s why everyone needs seo. A knowledgeable company can make sure your company pops right to the top of the page when someone looks for your service.

After I decided to pay close attention to my search engine ranking, I contacted an established seo firm in San Francisco and laid out my issues and what I wanted to accomplish. They worked with me to get all of my details and then they set about improving my ranking. It took a bit of time, but sure enough you will find my business in the number two position on a search if you’re in my area looking for the services I provide. It all turned out so well that I wondered why I didn’t do this earlier. I’ve probably lost thousands of dollars putting it off.…