Blog Blog Copyright by en Wed, 12 Aug 2020 23:36:08 -0400 Where to Find Legitimate Coupon Codes Coupon codes let you save loads of dollars if only you know where to find them. Luckily, there are many websites that hunt for legitimate coupon codes.

The following are some of the best coupon-hunting websites for all of you who love to shop and save money using coupons.

Save You

Save You is a website that offers great, wide-ranging deals on various stores and items, including:

  • eBay
  • Amazon Prime
  • Best Buy
  • com

This coupon-hunting website lets you browse by categories as well as see “trending coupons” that a lot of customers are searching for.

The list on the website is updated in real-time, with new coupons uploaded as soon as they become available, making Save You a fantastic website for couponing masters.


RetailMeNot offers free online coupons for thousands of stores, including:

  • Amazon
  • Airbnb
  • Target
  • Famous Footwear
  • Priceline
  • com
  • Papa John’s
  • Olive Garden

RetailMeNot lets you search by store and scan different departments. You can also filter the coupons by category if you want to apply codes to specific products.


Honey is another top-notch coupon website for all coupon hunters.

Through Honey, you can try all coupon codes automatically, plus you can see when the coupon last worked. Cashback offers also let you save even more money.

Honey’s best feature, though, is that you can install a browser extension to automatically search for coupons whenever you browse.


CouponCabin is another must-see coupon-hunting website that offers free coupon codes for hundreds of stores including:

  • Office Depot
  • Walmart
  • Nike
  • eBay
  • Hobby Lobby
  • Old Navy
  • Amazon
  • Nordstrom
  • Kohl’s

Just like Honey, CouponCabin has its own browser extension that lets you search websites automatically for coupon codes.


DealsPlus takes the game a notch higher by supporting a massive list of stores.

You can subscribe to these stores by email. Then, you’ll receive regular updates for any new coupons that become available.

With DealsPlus, you can:

  • Avoid pesky website ads
  • Receive email alerts for the newest coupons
  • Find free shipping deals
  • Find verified coupons

You can use DealsPlus on your desktop or via its mobile app. has more than 200,000 deals on different categories like tech, clothing, groceries, and more.

The website is great for bargain hunters who want to see only the day’s best deals. It also allows you to save your favorites, compiling them on the “My Deals” section.

The best thing about this is you can enjoy offline when you go to physical stores, thanks to their printable coupons.

Slick Deals

Slick Deals is another amazing coupon-searching website that offers both digital and printable coupons.

Search for a variety of retailers and check the best coupons you can use. More importantly, the community and editors curate the best deals and share news about great bargains.

Quality is not a problem since all deals and coupons are reviewed and verified.

Some Tips when Searching and Using Codes

Before you start scouring these websites for coupon codes, it’s best to check the following tips:

  • Check whether the retailer uses codes
  • Find codes from a trusted source (any of the websites we discussed above)
  • Install browser extensions of coupon-hunting websites
  • Use a special email account
  • Read the fine print to know why the code doesn’t work
  • Sign up for any loyalty program
  • Check offline -- magazines, newspapers, catalogs, etc

A lot of people are enjoying the benefits of coupon-hunting.  In fact, in 2021, around 145.3 million people are expected to redeem coupons. Will you be one of them?

Spend a little time to save a few bucks. Who knows, you might even score a greater deal than a few dollars. Good luck!

Uncategorized Editor Thu, 09 Jul 2020 00:00:05 -0400
Strategies to cope with student loan stress Being in a debt brings along a long stressful time. Because owing creditors money means your earnings are not yours. You have to give away whatever you earn in order to get rid of the debt. According to research there are different types of loans but student loans stress the youth the most. 

Most loans are student loans and there are collectively trillions of dollars that the youngsters are yet to payback. With this amount of people owing money, you are definitely not alone. If you are here to look for ways to cope with all the student loan stress then you can explore debt management Australia to get some help.

Youngsters spend years stressing about the student loan payback, some because they are not able to earn to pay the debt and the others who are unable to save any earnings for themselves because it all goes to the monthly payback. 

The complexity of student loans contribute to the lack of control causing anxiety. We generally tend to fear things or situations we are not able to understand. Borrowers more than often lack understanding of their student loans because student loans are complicated. Because there are so many details that the borrower needs to worry about. Things are fixed and the variable interest rates, feesd, federal or private student loans, what type of repayment plan they need or what will be convenient for them and the length of the repayment term.

The fact that there are so many decisions they need to take and that even if they cut the interest rates in half still the monthly payment does not cut in half . This makes them burdened so they don’t want to face the debt.

Understandable as the whole situation is now, the fact that we see all the problems straighten up in front of usd the solution has to be by the steps. Solving the first problem we are fading and then going to the next one and then again the next. 

In this article we so far discussed the problems and why the borrowers face such problems now we are going to discuss the solution. These simple and yet effective strategies will help you keep track of your debt, it will help you get rid of all the confusion and so the small strategic ways will be introduced that can make a big difference.

Following are the easily applicable yet impactful strategies to cope with student loan stress.

Organise all the needed details

The first problem we are facing is the confusion that makes the borrower anxious so to get rid of that our first step to relieve the stress level a tad bit is to find all the details and organise them with all the details and all the numbers. Most of the times students takes multiple loans and as a teenager then we don’t pay much heed to keep all the details safe and later when we realise we need those details we cannot help and go back to change the time so here we need to to do some hard work for the sake of your own peace of mind and to get rid of this burden as soon as possible. 

Step 1-Get all the details, organise them, get to know what you were confused about and now make a plan, a draft where you can keep all the needed information and make changes as you pay the rest of the payback money. 

Step 2-When you are done collecting all the needed information now it's time to decide how you are going to pay back. The most common way to payback student loan is the income -based-repayment. It is a Pay-As-You-Earn method if you are not capable of this then you can explore DG institute to get more help. 

Step 3-Now that you know how you are going to make the payments, decide on which one you are going to pay first. While dealing with multiple loans you have to choose the one with the highest interest rate and payback that one first and move on to the next and then the next.

When pretty much everything is organised and you feel like it is under control, it relieves half of the stress.

Create a balance

For student loans we get a grace period after finishing our university or dropping out of the university. Take advantage of this time and do not be tempted by the free time. You need to free yourself of a bigger burden so then you can be free. Even during this time keep saving. By creating a balance means decide a specific amount and take that amount out of every month’s income to save up for later. 

Keep saving steadily.

Stick to a simple life rule

Understandably having lived an extremely simple life during college days you must be frustrated and want to live a better and more luxurious life but remember you can only be completely free of the burden when you are done paying the debt. 

Keep living the simple life and hang on for a little longer. Keep living with a roommate in order to share the rent. Reduce electricity bill as much as you can, avoid wasting any energy so you can save the bill money.

Little these might seem but these easily applicable strategies make all the difference. 

Uncategorized Editor Fri, 03 Jul 2020 22:49:21 -0400
How to Manage Your First Residential Investment Property

Investing in properties is a great way to boost regular income and grow your wealth. But managing a residential investment property will have the best results when you know beforehand what you are exactly getting into.

Studying the basics and planning ahead form the groundwork for developing great management skills. You will have many responsibilities that need to be understood and mentally coordinated ahead of time.

In this article, we'll go over the main principles you should follow to increase the chance that your first investment is lucrative. By reading this piece, you will get a practical overview of the tasks that you have to handle as a landlord.

#1: Finalize Tenant Placement

Your number one challenge before facing any other decisions is tenant placement. The rental unit needs to get filled with tenants because vacant property results in expenses without generating any income.

Here are the steps for getting your property full of renters:

List your property. Just putting out a "For Rent" sign isn't enough. You should take on a proactive approach to find suitable tenants for your residential investment property. Use social media channels and rental listing websites.

Check the applications. Always ask your prospective tenants to fill out comprehensive applications. This ensures that you get a better overview of people who would like to rent your residential property. At the same time, it's important to make sure that your evaluation of applications complies with the principles laid out in the Fair Housing Act (FHA).

Organize property showings. A major part of finding tenants is showing your property to interested people. Hand out all the documented details concerning the property when people come to see it. Conduct follow-ups with everyone who came to your property showings.

Screen your tenants. Proper tenant screening procedures are your best bet for minimizing the risk of future trouble with your renters. Run a credit check, check their criminal history, and ask for references. The latter may include past and present employers together with their prior landlords.

#2: Draft a solid rental agreement

Your rental agreement is a crucial document. This agreement will legally regulate the relationship between you and your tenants. Aim to put in as many hours as you need to make it perfect.

There are many aspects that your agreement should address. Here are some of the essentials:

  • Landlord's responsibilities
  • Tenant's responsibilities
  • Amount, method, and time of payments
  • Rules regarding pets
  • Eviction rules that have a legal basis
  • Late payment fees
  • Smoking and other policies

#3: Maintain Your Rental Property

Regular maintenance is a requirement for landlords. You need to keep your property habitable at all times. A major part of this effort is conducted through timely repairs and upkeep.

Any significant delay in dealing with repair and maintenance needs could lead to legal issues. When the rental property isn't habitable, the landlord may be guilty of negligence.

Another aspect of maintenance is its role in preserving the value of your residential investment property. If the market conditions are favorable, delivering consistent maintenance procedures could even ensure the growth of your rental home's value.

#4: Know the laws and regulations

Owning rental property subjects you to a variety of laws and regulations. As a landlord, you should familiarize yourself with the main legal guidelines to reduce the risk of running into problems.

These are the main legal topics you should understand:

  • Security deposits
  • Tenant's rights
  • Landlord's rights
  • Evictions
  • Rent payments
  • Entry and inspections
  • General landlord-tenant laws

#5: Look into professional property management

Self-managing a rental property can become a huge burden. When you don't have enough time to deal with a plethora of daily tasks and challenges, hiring a professional property manager could be a smart solution.

Partnering with a professional property management company results in a worry-free life. There is no need to deal with rent collection, maintenance needs, tenant screening, and other responsibilities.

For some investors, self-managing isn't that stressful. Assess your personal preferences, character, and work-life balance. Then weigh the pros and cons of each approach to decide which way to go.

In a nutshell: Managing Your First Residential Investment Property

Investing in a property could be the first step towards generating passive income. But the income won't be that passive at least when you are taking the first steps towards becoming a landlord.

There are many things to look out for. Conducting enough research and learning all you can about property management is a good start. Keep in mind that you will have quite a lot of responsibilities.

Uncategorized Editor Mon, 29 Jun 2020 10:47:57 -0400
Investing in a Post-Covid World In light of the recent times during the COVID-19 crisis, the world has seen an economic downshift that is taking toll on numerous countries. The world has been put on a global lockdown, and while some economies are trying phased approaches, there are still many suffering from the pandemic. Over time, the world will get back to par, and as economies begin to open up, there are going to be increasing investments to be made and more opportunities. A lot of people are looking to learn online about how and where to invest.  A great place to start is Trading Review if you are wanting to do the same.

However, there are going to be anticipated problems as well – from inflation, all the way to increased tax rates and more. However, many people can actually get a better chance and opportunities that many people didn’t have before. In this guide, we’re going to explain a little bit about investing in a COVID world, and how to get the best investments possible.

Real Estate

In the real estate market, that’s one place where we’re going to see increased sales and purchases being made. Many governments (including the U.S.) have seen a larger amount of debt relief, and because of this factor, many people are going to be buying more properties. This will all end up helping the economy, and therefore investing in the real estate market may not be a bad idea.

The market has been saturated for years with high mortgage and interest rates, let alone insane seller prices for properties that weren’t even worth the money. Thanks to COVID-19, this is going to end up making the market crash since people aren’t buying right now – but when the market opens back up, and people’s debt levels decrease (bringing them higher credit scores), then we’re going to see the market prices drop again and more people will buy.

Automation Is Going to Soar

No matter whether you’re a factory worker, or even just a digital marketing entrepreneur, one thing remains the same – automation is going to be a key factor that increases not only revenue, but also more production and efficiency as well. What does this mean?

This means that more manufacturers are going to be buying up industrial applications and automated efforts to get jobs done properly and increase throughput and production. The pandemic is expected to bring a rise in the robotics market, as many jobs will be operated more remotely, and to also help reduce the human exposure that many people face at the workplace – making it easier to enforce things like social distancing.

Conclusion: So How do We Invest?

The best approach for investing during this pandemic is a selective one. We need to be careful on what we invest in. At the same time, it’s important to realize that with the stocks plummeting (don’t worry, they’ll rise again soon), and the market crashes that will happen, it’s important to analyze and inspect everything so you know what to buy and when. The scary part about all of this? Many people worry about the possibility of getting COVID-19 while they’re shopping around, let alone from property that they choose to buy – either way though, now’s definitely time to smartly invest!

Uncategorized Editor Sun, 24 May 2020 22:34:22 -0400
Can a Mortgage Broker Adelaide Get You the Best Rates? Buying your dream home is a lovely feeling altogether. Although it can be tedious at times, it can be rather fruitful by the end of the entire home buying process. First you have to search for the home you dreamt about all these years. Once you have decided upon the home, the next big mission is to find a suitable and affordable mortgage loan.

When you talk about mortgage loans, there are basically 2 primary providers of such types of financing options, mortgage lenders and mortgage brokers. The former include all the banks and various other direct lenders and the latter signify all the brokers who assist you in bagging a good deal in mortgage loans.

Although they work in the same field, there are several points of differences between the two. The direct lenders and banks depend a lot on their own money when it comes to funding their mortgages. Dealing with one of them will mean working directly with one of their employees. Starting from the verification process till the mortgage granting process, you work with different employees of the same organization.

On the other hand, an Adelaide Residential Mortgage Broker acts more like an insurance broker. They do not work with any single company and normally deal with a large number of lenders, in other words, you may say that mortgage brokers are in a better position when it comes to helping you get a good deal on mortgage loans.

Big Advantage

One of the biggest advantages of dealing with a mortgage broker is the possibility of saving a large sum of your money. Just like any insurance broker, mortgage brokers also work with multiple lenders. It is needless to say that lenders can only offer their own mortgage products to their borrowers. However, these products may not come with the lowest possible interest rates or fees.

Since homebuyers are not captive to a single lender’s closing fee or interest rate, they can easily compare the different fees and rates provided by different lenders and opt for the best deal as per their knowledge. It is quite obvious for you to understand that hunting for the best deal on mortgage loans is just like shopping for a big-ticket item. As the consumer you should always take your time and look around for the lowest possible cost. Working with a mortgage broker can make this extremely difficult task rather simple.

There is hardly any major purchase that you will make in life, which will let you get an estimate on a specific service and also go with it. Mortgage brokers will help you shop around to get the best deal. They do all the shopping around for the right deal from different lenders. They will present those deals to you that best suit your specific financial situation. Since there are several mortgage brokers out there, it is always better to take some time and look for the best amongst them. The more experienced the broker is, the better will be your chances of getting a great deal.

Uncategorized Editor Sun, 24 May 2020 22:31:00 -0400
How Can I Invest In Commercial Real Estate? American economist Paul Samuelson once said, “Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas.” Investing is not gambling; if you’re treating it the same, you are taking the wrong approach! While investing in commercial real estate is not as uneventful as watching the grass creep up on your lawn, it should be strategic, measured, and controlled. Unlike the extreme rollercoaster that is the stock market, the CRE space is, historically, far less volatile. The gains you can realize, however, are exciting.

What is Commercial Real Estate?

Commercial real estate is typically leased for business, retail, and hospitality purposes. It can involve existing buildings/structures and/or raw land purchased for development. Generally, CRE properties are categorized as follows:

  • Office
  • Industrial 
  • Retail
  • Hospitality (e.g. hotels)
  • Multifamily
  • Special Purpose (e.g. nursing homes, gas stations, theaters, etc.)
  • Mixed-Use 

Why Commercial Real Estate Is a Good Investment 

Before we get into the how of investing in commercial real estate, let’s start with the why. This is an advantageous route for several reasons:

  • It is ideal for long-term goals; generally, the longer you hold property, the more equity you build. Building future wealth and security is a top reason why commercial real estate is a good investment.
  • Commercial real estate plays a key role in risk diversification. A diversified portfolio most often mitigates your risk.
  • You can realize a multitude of tax benefits, such as deductions on mortgage interest, depreciation, operating expenses, and more.
  • Higher potential income. Typically, commercial real estate properties have higher returns on investment (ROI). To compare to residential properties, which have an ROI of between 1-4%, commercial properties see an average of 6-12%.
  • Turnover is less than residential properties. Given longer lease terms (3-5 years or, in some cases, more) mean you won’t deal with as much turnover. Be aware though that vacancies can hit harder, though, because of these same reasons.
  • Consistent cash flow. Again, due to longer lease periods, you will see relatively consistent cash flow. And, with triple net leases, your tenants also pay the building’s real estate taxes, property insurance, and maintenance costs.
  • The field is less crowded. Many investors perceive commercial real estate as difficult to enter. This tends to clear out the competition so you are not in as saturated a space.

How to Start Investing in Commercial Real Estate 

To our last point, is investing in commercial real estate difficult - or, at least, more difficult than other investment avenues? You may not want to let your potential competition in on the secret, but no. Sure, it is challenging, as is all investment. But there is nothing that you cannot overcome when you do your due diligence, complete your homework, and work with a reliable, experienced strategic investment firm.

Here are 6 tips to help you start:

  1. Know the Key Differences Between Residential and Commercial Real Estate

As mentioned, due diligence and research is always the first step when investing in commercial real estate - or any other vehicle for that matter. It is essential that you understand the difference between residential and commercial properties; it’s step 1. Not only are you dealing with the needs of commercial clients, the structure of leases and income is also different. For example, leases are typically longer and the income you generate is usually tied to usable square footage. 

You will also need to research location and tenant type. For example, corporate office space performs better - as expected - in urban centers rather than neighborhoods that are primarily residential. 

  1. Look at Comparables 

What’s going on in the area? Look at comparables and research any development projects that are in the works. You can get a sense of prices paid for similar properties to better determine the current market value of a property in which you are interested. 

  1. Learn Key Formulas and Metrics

You’ll need to have a basic understanding of real estate finance, key formulas, and metrics for success. These include:

  • Net Operating Income: NOI is a formula that is used to analyze the profitability of your investment. To arrive at the NOI, you subtract operating expenses from the total revenues a property generates.
  • Capitalization Rate: Cap Rate indicates the rate of return you can expect to generate on a property. It is the ratio of net income and original price. A good cap rate is generally between 4-12%.
  • Cash on Cash: This is a metric that looks at the rate of return on CRE transactions. It measures the return on your out of pocket case relative to the portion of the property that you finances.
  1. Be Aware of Common Mistakes When Investing in Commercial Real Estate 

Knowing what not to do is equally important as knowing what to do. Mitigating risk is job #1. To do this, avoid common mistakes, such as improper valuations, failure to understand commercial real estate financing, failing to do your due diligence, and believing you can achieve better results (and save money) by working without the counsel of experienced investment strategists. 

  1. Research Financing Options

There are a variety of commercial real estate loan options, each with its own eligibility requirements, terms, and advantages:

  • Conventional Loans
  • Hard Money Loan (secured by a real property)
  • Commercial Bridge Loan
  • Conduit Loan
  • Small Business Administration (SBA) 7(a) Loan
  • Certified Development Company (CDC)/SBA 504 Loan

Financing is complex; if you need assistance navigating your options, reach out to an experienced real estate investment and strategy firm.

  1. Working with a Trustworthy Partner

As mentioned, working alone can be detrimental to your success when investing in commercial real estate. Find a firm that can deliver personalized, targeted advice - and opportunities - that align with your investment goals. There is no substitute for experience and expertise in the CRE market. Working with a partner shortens the learning curve and allows you to accelerate your results.

Ready to Get Started?

Investing in commercial real estate is not an abandon-all-rules-and-go-to-Vegas proposition. While more exciting than watching grass grow, it tends to be more stable and long-game oriented than other investment vehicles. If this is the right fit for your portfolio, contact a strategic investment firm that can help you get started. 

Uncategorized Editor Sat, 02 May 2020 11:34:49 -0400
How to Select a Payment Processing System for Merchant Businesses Market analysts estimate, about 90% percent of all retail sales by 2030 will be e-commerce transactions. Statistics predict that global e-retail sales will reach nearly $5 trillion by 2021.

When customers buy products using their debit or credit cards, the payment processing company manages the transactions for you. It communicates the information to your bank and the customers' banks, verifying the validity of the purchases.

Typically, a payment processor acts as a link between sellers, customers, card networks, and respective banks, ensuring a smooth purchase experience. It is vital to choose the right payment processor for your merchant business and let us see how to select the best suitable solution.


43% of all cyberattacks target merchant businesses. About 75% of all business security incidents can cost your company at least $8,000. Thus, you must choose a payment solution that offers secure data processing and is PCI compliant.

The processor must be diligent enough to protect customers’ payments. It should be well-equipped with the latest data security enhancements, including technologies like point-to-point encryption and fraud management tools.

Features to Support Business Requirements

An efficient payment processor should offer useful features that are best-in-class, with powerful software bundles that streamline business operations. Also, it should provide you with options to choose the smart terminal that suit your business needs. The provider must ensure a smooth integration of the solution with various accessories. It should enable access to merchant capital advances.

Easy Integration and Maintenance

Theoretically, a payment processing solution will work well. However, you should understand whether the solution will efficiently integrate into your business. It includes augmenting applications, hardware and software upgrades, and training.

Likewise, if the mitigation of interfacing issues forces you to troubleshoot the payment processor continually, it is better to switch to a better provider. It is not productive to spend time in solving maintenance concerns, rather than focusing on the core business.

Nominal Processing Fees

While running a business, you will look for solutions with low processing fees. Hence, it is advisable to invest some time to find the providers that offer the solutions at attractive rates.

An ethical provider will offer solutions at nominal fees, such as 2.3% flat processing fees. They do not have hidden charges like early termination penalties, fees for exceeding maximum and not meeting minimum monthly quotas. Make sure to check every feature the provider charges, to confirm you do not miss out on any hidden fees.

Excellent Customer Support

The solution provider you choose should be competent to handle support issues, 24x7. It is beneficial if you can reach the support team over the phone or chat, for active support.

Nearly 5% of the time, unreliable customer support can cause business-related issues. Though the fraction appears to be small, yet it can cause significant losses to your business and severely damage your customer relationships. 

With benefits like increased cash flow and more robust payment data security, the payments industry offers faster and seamless solutions. Aligning industry growth rate with current market size suggests about 700 billion electronic payments, by the end of 2020. Understand your business requirements and the processing fee details before choosing a suitable solution provider.

Uncategorized Editor Tue, 07 Apr 2020 11:05:50 -0400
Check here if PAN Card is Mandatory for You or Not

Permanent Account Number (PAN) is an alphanumeric identity of 10-digit assigned to every Indian, even minors. The allotment of the number is done by the Income Tax department directly under the supervision of the Central Board of Direct Taxes.

The use of PAN card is multifarious - apart from serving as an identity proof, it is also essential for various financial transactions like purchase or sale of an asset, receiving a professional fee or taxable salary, and investing in mutual funds among others.

Who has to apply for a PAN card?

Any individual earning more than Rs.2,50,000 in India, and also foreign nationals paying taxes here as well, require PAN card mandatorily. Additionally, business entities will have to obtain a Permanent Account Number if the turnover, total sales, or gross receipts exceed Rs.5 lakh in a particular financial year.

The importance of PAN card for a company is immense as every transaction made by the entity will have to go through the Permanent Account Number. It helps in the identification of the tax flow of the company.

When is PAN card mandatory?

The Income Tax Department uses the Permanent Account Number to track financial transactions like payment of tax, TCS/TDS credit, specified transactions, and returns of income, among others. Among many benefits of PAN card, it enables in the facilitation of retrieving specific information which can be linked with borrowings, investments, and other business activities.

Below mentioned are a few situations where PAN card is mandatory –

  • To file income tax returns.
  • For individual financial transactions worth Rs.2.5 lakh or more.
  • Purchase or sale of immovable property valued at less than Rs.5 lakh.
  • For cash deposits above Rs.50,000.
  • To pay an insurance premium of Rs.50,000 or above.

It should be noted here that Rule 114B of the Income Tax Act, 1961 mentions that state governments, central government, and consular offices do not have to mention permanent account numbers.

The significance of Permanent Account Number is evident; and, if the card is misplaced, individuals should opt for a reprint of PAN card. This can be done from the official website of the NSDL.

However, it should be noted that individuals have to pay a certain fee to apply for duplicate PAN card online. Hence, they can apply for an insurance policy that provides financial coverage against such expenses when their PAN card is lost.

Reputed financial institution, Bajaj Finserv provides the Wallet Care insurance plan under its Pocket Insurance & Subscriptions. Among the host of benefits of the plan, it also offers blocking facility for multiple cards via a single call.

Additionally, in the event that an individual’s handbag is misplaced, a handbag assure insurance policy will offer a high coverage and compensation for PAN card replacement.

A purse may also contain a number of valuables like debit card, credit card and PAN card, which may be subject to misuse in case of loss or theft. In such cases, a purse care insurance policy would not only ensure customers receive reimbursement for lost PAN card replacement but also block all their credit and debit cards with a single call.

To conclude, while it is not mandatory to quote the Permanent Account Number in all transactions, it is advisable for an individual to apply for it nonetheless. Also, when lost, card holders must file an FIR with their respective police station.

Uncategorized Editor Fri, 27 Mar 2020 23:43:40 -0400
An Overview Of ESG Investing No matter their size, nearly every company has an environmental footprint. Businesses of all sorts also create a societal impact via their relationships with employees, customers, vendors, and the community. Another commonality: All companies have a governance structure that determines who is running operations, developing strategies, and more. Taken together, these are known as environmental, social, and governance factors — or just “ESG.”

ESG considerations have become increasingly important to companies due to today’s focus on environmental issues and human rights. In turn, companies’ ESG initiatives are critically important to a socially conscious segment of investors who base investing decisions around a company’s level of commitment to ESG issues.

Defining ESG Investing

Many investors value the efforts that companies make toward sustainability and the actions they take to protect the environment. These investors also value social and governance factors as they apply to relationships and a company’s missions. In fact, to some investors, these areas are just as important as financial factors when it comes to making investment decisions. ESG investing involves factoring in a company’s strategy and progress in these areas:

  • Environmental:Investors want to know what companies are doing to conserve the planet’s resources and operate in a sustainable manner. What is the company doing to protect the environment as a whole?
  • Social:Investors seek to understand the relationships that companies have with employees and others. Do they create fair opportunities? Are they humanistic with vendors, customers, and the people they serve in the community? What role does the company play in supporting the community?
  • Governance:Also critical to ESG investors is knowing what steps a company takes in terms of oversight with its board and management team. What governance policies are in place to ensure fair and just management of the business, and equal opportunities regardless of individuals’ demographics?

Why Does This Matter?

Many investors decide where they should put their money based on their perceptions and opinions regarding what is right and just. For many investors, especially younger investors, ESG investing has become commonplace. There are funds that target companies based on their ESG initiatives. Some financial and analytics companies even create ESG ratings formulas based on several ESG-related metrics. This helps investors know where companies stand on ESG initiatives in comparison with other companies.

Since a company’s stock stands to gain from having the largest potential pool of investors, it can be critical for companies to develop, support and publicize ESG initiatives.

Why Is ESG Investing Growing So Rapidly?

  • The world is a very different place than it used to be. Global sustainability has become a responsibility for all companies and people.
  • Investors are changing, too. Millennials have more investing power than when they were young, and this age group values social responsibility.
  • Data is more readily available than ever before. Investors have access to the information they want and need, such as the aforementioned ESG ratings.

Establishing Standards to Meet Investor Goals

Companies interested in attracting ESG investors can take several steps to establish, enhance or better communicate their relevant policies. Establishing teams, goals and responsibilities are key parts of the process — but it is also important for businesses to be able to inform the investing community about their ESG performance, backing up their communication with data and evidence.

Take a look at the accompanying infographic for a clear understanding of ESG investing. By being proactive, it’s possible not only to improve company standards but also to capture investor attention.

An Overview of ESG Investing from Clermont Partners
Uncategorized Editor Mon, 16 Mar 2020 23:31:58 -0400
How to Apply for Business Loans? (business loans) Business loans might require you to spend a considerable amount and the directness can vary depending on what is needed. The things that are needed to avoid the problems while asking for loans may vary and the guidance with which this can be described as belongs to many factors. The way standing up the position in a company can be adjusted is very well defined but sometimes it is not. There will be no need to get a hang of the loan if the business is too small and the related finances must be fulfilled for this very purpose.

Setting your goal straight

This can be one of the challenging tasks because it gets very difficult to keep one in one place. There are thousands of place which are ready to deviate the individuals from their idea. This is why it is necessary that the determination of funds needs to be allocated in the right manner. The existing firms will need to take special note on how to prepare their financial statements. The business plan and the firms will have to be very adamant about their approach.

Type of banks

This factor results in a great deal of how you take the loan. If you are just going on the basis of institutions only then your credit unions may be filled up and the members of your own committee may turn up against you if the business doesn’t do well. The loan application, on the other hand, will have to have opted which will expect you to pay heavy interest.

Looking for credits

The balance sheet that needs to be maintained by the owners is of great value. That is the record of where the money had been spent what is needed for the order. The loans may be taken on a daily basis and this is why the agencies will have to keep track of it in order to convince the people they are asking for. The increased chance of fixing it may create a dispute on the reporting and to resolve this it is suggested to maintain this.

Visiting the local authorities

This can be a very useful thing that can aid in networking. This may be the starting of thousands of connections in your locality. More advice you are willing to take the better it sounds among executives. The challenging of the adversities of the area can be solved by relocation. This is also the way by which you can close the chapters of the local committees who may be opposing your business idea.

Looking for borrow options

The borrow option of the commercial bank will have to be large enough to be asked for. This may be only granted if the pure complete sheet is shown to the instructions. The regional banks, on the other hand, maybe the cause of the unions. The business loans and applications will need to be picked up too. There are microfinance companies that might fund but their budgets might not appeal to your business needs. Hence this is advisable that you look for multiple companies who will be able to help you.

Uncategorized Editor Sat, 07 Mar 2020 22:16:30 -0500
How Can a Financial Advisor Help You Managing your money can be quite tricky. First of all, you have to plan for expenses that could change drastically at the very last minute. Worse, any small mistake could end up costing you dearly. Because of these, it is best to seek the help of professionals, especially when your career is just starting; this is where financial advisors can come in.

As the financial world becomes increasingly complex, the importance of a financial advisor increases. Hence, knowing how to find a financial advisor who can effectively guide you on how to manage your money can mean the difference between becoming financially successful or not. Here are some of the most important things a financial advisor can help you with when it comes to effectively dealing with your money:

Help you manage your existing wealth

If you have good savings - from the part-time jobs you worked or the allowances your parents gave you - a financial advisor can tell you how to get the most out of this money. Instead of just leaving your savings in a bank or around your house, where its value will depreciate, you can invest this amount and watch it grow over time. This way, your money gets to retain its value in the future.

A financial advisor can help by recommending the best products to invest, based on your financial goals and risk profile. Given how complicated the world of finance and investments can be, it is always helpful to have someone advising you on the best course of action to take.

Help you plan for your future

As you grow older, finances become an even more important consideration, especially once you start a family. You may also have some personal financial milestones that you would want to reach, such as being able to afford your dream car or dream house or being able to say that you have a certain amount of money in your account. To reach these goals, you would need to start planning as early as possible; this is what a financial advisor can help you with precisely. By helping you craft a comprehensive plan for you to reach your goals, a financial advisor can help you to be sure of what you have to do to obtain the financial stability that you dream of. Learning is the first step in turning that dream into a reality.

Help show you the ropes of money

Having a financial advisor to guide you on your financial journey is one of the best ways to be introduced to the world of finances and investments. Given how comprehensive and confusing these topics might be, it is always best to start by learning from an expert; this will help you avoid being in over your head and committing mistakes that could end up costing you dearly.

Knowing how to find a financial advisor is essential because only your advisor will be able to explain what exactly your investments will do for you carefully. They can give you a better understanding of how investing works, so that you may also know how to make your investments work for you. This way, you will become more financially literate and capable of making sound financial decisions to help you become successful in your finances, as well as in other areas of life.

Uncategorized Editor Wed, 26 Feb 2020 00:01:36 -0500
Six Ways to Boost Your Retirement Savings Preparing for retirement is a methodical process for most Americans. You have to consider a lot of things such as how much to put away in savings, when to save, and which investment accounts make the most sense for you.

There are so many different things to consider when it comes to saving toward retirement. Here are some of the best tips financial experts recommend when it comes to saving for retirement.

Tackle Debts

Saving for retirement is a lot more difficult when you carry a lot of debt. Many financial experts suggest the snowball debt recovery method.

Begin by paying money toward your smallest debt first, then keep making payments until that debt is paid off. What you should then do is keep up the momentum and put money toward your next smallest debt. You would be surprised at how much motivation you will feel after paying off just one of your debts. You will often feel more motivated to attack your debts more aggressively following this method.

Mortgages are the major debts that affect retirement. Paying off your mortgage as early as possible is one of the best ways to reduce your retirement expenses. According to the Consumer Financial Protection Bureau (CFPB), about 30 percent of homeowners 65 or older still carry mortgage debt.

Take Advantage of Employer Benefits

If your employer has a 401(k)-matching program, take advantage of it.

Contribute the maximum amount you legally can toward your retirement savings plans to receive the maximum benefits. Starting earlier is better than later. 

Consider Permanent Residency Location

Where you choose to live in retirement plays a big role in your overall cost of living. Not only that, but where you live will affect how much Medicare insurance premiums will be and how much you pay in taxes.

Nevada, Tennessee, Texas, South Dakota, Florida, Wyoming and Washington have zero income taxes. However, please note that some states, such as Tennessee, do tax dividends and interest. Fortunately, the majority of states don’t tax Social Security.

Evaluate Potential Healthcare Costs

As previously mentioned, really consider how much insurance premiums are and the access to care available to you when you think about where to live in retirement. This is because how much you pay for healthcare greatly depends on where you live. Insurance premiums are different and higher depending on where you live. Always investigate how much your premiums will be for all aspects of your health.

Get quotes early for insurance. That will help to budget for your future.

Enroll in a Health Savings Account

Preparing yourself for healthcare costs is a great way to build a good financial base for your retirement. Health savings accounts (HSAs) are one of the best tools for saving for healthcare costs in retirement because they are triple tax advantaged.

In 2020, you can contribute up to $3,550 as an individual or up to $7,100 for families and people aged 55 or older can contribute an extra $1,000 contribution each year as a catch-up contribution.

The money contributed to an HSA is your money forever and can even be invested in stocks and bonds to further boost your retirement savings.

Utilize Catch-up Contributions

The moment you turn 50 years old, you can start benefiting from catch-up contribution opportunities. People who are 50 or older can put extra money into their 401(k) and IRA.

You can contribute an additional $1,000 per year toward your IRA and $6,000 each year to your 401(k). Utilizing these extra contributions can help boost your retirement nest egg over the next 15 years tremendously.

Danielle K. Roberts is a Medicare insurance expert and co-founder at Boomer Benefits, where her team of experts help baby boomers with their Medicare decisions nationwide.

Uncategorized Editor Tue, 25 Feb 2020 04:30:38 -0500
4 Easy and Essential Tips to Be Financially Responsible in Bellevue, Nebraska Debt can be a scary thing, even when so many Americans are drowning in it. Sometimes, it can arise due to matters out of a person’s control, like rising medical costs. Other times, the meaning of debt is taken a bit more liberally, where having a mortgage means you’re living in debt.

But there are plenty of people out there who are in debt because of their own financial decisions. While Nebraska is a strong state economically, there are still many people who don’t have a personal savings plan in Bellevue NE.

It’s extremely important to be financially responsible in current times, so just run through some of the basic tips that can help you out.

Make a Budget

While it may seem like budgets are meant for big businesses or other professionals, having a personal budget is a quick and easy step for being financially responsible.

It’s best to do a month of “research” to judge how much you’re spending on essentials like your rent, gas, groceries, utilities, and more.

Then, you can decide how much leftover you want to have for personal or fun items, like a new TV or saving for a vacation.

The more you have down on paper, the better off you’re going to be.

Look for Ways to Cut Back

When you’re looking over your budget and expenses, it’s always a great idea to see where you can cut back, or cut out the non-essentials in your life.

Do you really need Amazon Prime if you don’t order off Amazon enough? Are you still getting the newspaper, even though you don’t read it?

Even though cutting back on something like Amazon Prime may just be $10 a month, that’s still triple-digits yearly savings.

Limiting activities like eating out is also another way to save money here and there. Instead of stopping by the gas station for a cup of coffee, make your own at home. A little bit here and there can go a long way.

Avoid Late Fees

Credit card companies thrive off of people not paying their bills on time and being hit with high-interest rates. One of the ways those interest rates increase is by not paying your bills on time.

This applies to your utility bills as well, even something as simple as your electricity bill. When you pay your bills on time, you’re going to be spending the correct amount and avoid being hit with any late fees.

Look at Retirement and Savings

Part of becoming financially responsible is being able to save up for the future. You never know when you may have car trouble or be injured and unable to work for a while.

That’s why it’s important to set up a personal savings plan in Bellevue, NE. You can go in and talk to someone at the bank to help set up an account as well as a savings strategy.

And even though you might be young now and retirement seems far away, it’s always a great idea to start planning for the day you start working.

If you have a job, look at putting money into the company’s 401(k) plan or even contributing on your own to a traditional or Roth IRA.

Uncategorized Editor Thu, 20 Feb 2020 08:26:57 -0500
Cutting Through All the Investment Noise and Making the Right Investment Decisions Financial security is the bar we set as a measure of success. Once you have your finances and the financial future of your family secure, you can rest easy in knowing that everything will be fine. The problem arises in how to get there. Many people go the investment route and invest money in a portfolio that looks risk-free, and that has a good return on investment. The problem is that if you are new to investing, you might run into a wall of information. There is so much information on investing that it gets hard to know what to follow and what not to. The secret is finding the right investment options and investing the right way is having the ability to cut through all the noise.

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Find a Few Reputable Sources

Unfortunately, many people who say they give the best investment advice do not have any proof to show this, and if they do, they often say it is confidential. Even with that being the case, there are a lot of good investment advisors out there. Start by finding information that comes from people in the financial industry and have the credentials to prove it. They may be far and in-between, but there is a sizable number of websites and blogs run by people who are deeply embedded in the financial sector. Most of these people do not hide this fact and you can look up their credentials as well as the financial statements of their companies. Once you find one or two of these people, their websites and other places they post their advice, you will get familiar with the process and will be in a better position to know who is offering good advice and who is doing it for the clicks.

Know How to Do Proper Research

Having enough faith in an investment option to invest your money in is incredibly difficult and can be risky. That is why you have to know how to reach every piece of advice and investment tip you get. Using an analogy, if you are looking for a financial loan, you would research different companies and find out that Advanced Point Cap is a reputable company that offers loans under friendly terms. If you would not leave finding such a financing partner to chance, why would you leave finding a good investment partner to chance?

Take Your Time

This is a piece of advice for those who are looking for long-term investment options. Do not be swayed by fads and money-grabbing investment options. Remember that you are putting your money at risk. Patience is key. Take your time to weigh each option. This goes beyond doing proper research. It is also about sitting down and thinking critically about the options in front of you. It is your money and being swayed by anyone who is not investing with you and you not taking the time to think things through could cost you dearly.

Cutting through the noise in the world of investment can be hard. Following just a few reputable people, doing in-depth research and taking the time to think every investment advice through might help you do this and ensure that you do not lose money through an investment option you decided on based on outside pressure and noise.

Uncategorized Editor Fri, 07 Feb 2020 06:01:13 -0500
Is Whole Life Insurance an Investment Product?

While a lot of people argue that life insurance can be used as an investment product, it is not. First off, when you invest, you are allocating money expecting to gain a profit. And whole life insurance does not work that way. The following are reasons why whole life insurance cannot be used as an investment product.

It is Expensive

When you purchase a whole life insurance policy, then you should expect to pay very high premiums. If you do the math, you will find that you are paying very high premiums while there are way cheaper alternatives for life insurance policies. Also, the expensive premiums don’t have any profit in return, they only grow a small interest. This interest is an unrealistic amount for someone trying to invest. Based on the quote engine on, it can be as much as ten times as expensive. 

It is Undiversified

Another reason why whole life insurance is not a good investment product is that it is undiversified. When making an investment, you want to spread your risks and invest in a wide portfolio. Whole life insurance is not diversified and does not provide different options for you. So, when you buy a whole life insurance policy and don’t find it to be a lucrative enough investment, you will lose everything if you pull the plug on it. 

It is Illiquid

A good investment is one that is liquid. Liquidity allows you to get back the amount you initially invested. Whole life insurance, on the other hand, does not offer that privilege. Once you start making the premium payments, the policy stays in force until you die or if you stop paying for it. You lose everything when you stop making the premium payments, and even if you do pay them and you die, only the death benefit is paid to your beneficiaries. This means that all the cash value accumulated is lost if you don’t use it during the term of the policy.

It is Not Transparent

Whole life insurance also lacks transparency. When you buy a whole life insurance policy, then you will likely be charged additional fees that are not initially mentioned in the beginning of the policy. Whole life insurance is already expensive, but this additional cost can further increase the overall costs that you were not prepared for. 

When is Whole Life Applicable?

From an investment point of view, whole life insurance is not worthy. However, it is still important to purchase a whole life insurance policy, and below are scenarios when it is best applicable.

If You Want to Protect Your Family

Whole life insurance provides coverage for the rest of your life, and pays off the death benefit to your beneficiaries regardless of when you die, as long as the policy is in force. But with term life insurance, the policy only pays off the death benefits if you die within the term of the policy, meaning that your beneficiaries don’t get anything out of it if you outlive your term. 

As such, whole life insurance gives you a piece of mind knowing that your family’s future is protected regardless of when you pass away. 

When You Want a Fund for Emergencies

Another scenario when whole life insurance is when you want a source of income for emergencies in the future. Whole life insurance offers a cash value component that you can use for your personal needs. This cash value is made from the premiums made from the policy, and can also be borrowed against in the future.

One of the main uses of this cash value is retirement. So, whole life insurance can also be used to provide an extra source of income for retirement. 

A great advantage of the cash component is that it grows tax-deferred. This means that the cash value component grows tax-free and as such has a high growth rate. 


Whole life insurance is not an investment product. So, if you are looking for an investment, then whole life insurance should not be one of them. It has its own benefits, but always make sure to do prior research before buying any product. Use your whole life policy to protect the future of your loved ones, and to ensure that your estate taxes are paid off even when you die especially if you own a large estate. 

Uncategorized Editor Mon, 03 Feb 2020 22:25:07 -0500
Questions to Ask Your Mortgage Company Before Refinancing Your Home If you are looking to refinance your loan on your home to lower monthly payments or for any other reason, it is vital to choose the best lender to suit your needs. It is essential to work with a mortgage broker you trust and to let them know as much about you and what your goals are as you can. Home mortgage refinancing can be very beneficial to some homeowners, but you must ask prospective mortgage brokers some important questions before making any decisions. Keep these questions in mind as you search for a lender.

What Additional Costs Are Involved in Refinancing?

When you got your initial mortgage, you had to pay closing costs. There are closing costs involved with a refinance as well. Usually these fees, charged by the lender, along with appraisals, title policy costs, escrow, pest inspections, and credit reports, can add up to 3% or more of the value of the loan. You need to be sure refinancing is still going to benefit you, despite these fees.

How Old Is Your Current Mortgage and Is There a Prepayment Penalty?

If you are well into paying off your current loan, it may not be wise to refinance. Adding years of interest payments to a home that may be paid off in five or ten years isn’t fiscally responsible. If your mortgage has a prepayment penalty, this will add even more fees to your closing costs. Be sure that a refinance is your best option.

How Long Do You Plan to Stay in the Home?

Those closing costs, fees, and the additional interest payments involved in a refinance will work against you if you aren’t planning to stay in the home much longer. You will want to be sure that you are at the very least breaking even on the loan before you sell your home.

What Is Your Credit Score?

Interest rates on loans are often dependent upon your credit score. If you are refinancing in an attempt to get a better interest rate, you will want to make sure you have an adequate credit rating. If it falls short of what you need, you will need to work on building it up a bit before refinancing.

Which Type of Loan is Best for You and What Are the Interest Rate and APR?

There are various types of loans available to suit different borrower needs. Ask your mortgage broker to explain interest only loans, negative amortization loans, fixed rate loans, and adjustable rate loans, so that you understand which is best for you. You will also want to have a full understanding of the interest rate, which is the percentage you will be paying on the loan, and the Annual Percentage Rate (APR), which includes fees and closing costs.

What Type of Refinance Is Best For You?

Your mortgage broker should be able to tell you all about cash-out refinances as well as rate and term refinances. These are the most common types of home mortgage refinancing. The cash-out option allows you to borrow extra cash against the equity in your home if you need it for other expenses.

How Much Equity Do You Have?

The more equity you have built up in your home, the less you will have to pay over the lifetime of your loan. For home mortgage refinancing, you want to know how much equity you have in your home, as 20% is generally required to escape having to pay private mortgage insurance.

How Will Your Monthly Payment Be Affected?

The most common reason for refinancing a home is to lower the monthly payment burden on the homeowner. Your mortgage broker should be able to explain to you how refinancing at a lower APR for the same term will be your best option. However, if other factors, such as the need to pay off other debts with home equity, are figured in, this may not be the case. This doesn’t mean that refinancing isn’t right for you. Everyone has different needs, and a good mortgage broker should be able to help you decide what is best for you.

Be prepared with these questions and any others you may have before meeting with a prospective lender. The more you know before signing for any loan, the more at ease you will feel with your decision. Our experienced and knowledgeable brokers at Sammamish Mortgage can lead you down the road to financial security and peace of mind. Please reach out to us today for help with your home mortgage refinancing.


Uncategorized Editor Fri, 31 Jan 2020 23:09:04 -0500
What is a Credit Card & Their Annual Charges? With as many as almost 50 million active credit cards as of May 2019 reported by Economic Times, the rising popularity of credit cards is no news for consumers. Even with such a huge number of active credit cards in India, many individuals are devoid of the information pertaining to the benefits associated with credit cards, its usage, and annual charges implied on it.

Credit cards are debt-based financial tools which require. There are certain credit card charges applicable that the user may have to pay to continue using their card. A clear idea on these charges is helpful for consumers as it creates the much-needed transparency in the process.

What is a credit card?

It is a payment card issued by financial institutions to consumers so that they can make payments for the purchase of products or services online or offline at various merchant terminals. While making payments using a credit card, it is the credit card issuer who pays on behalf of the user. The payment made is added to the credit utilised which the user is liable to repay within the due date as mentioned in the credit card monthly statement.

This billing period is usually 30 days and all transactions or purchases made during the entire billing cycle are included in the bill. For the ease of payment, consumers are additionally provided with a 15 to 30 day extra period, known as grace period.

Every credit card user needs to make bill payments within the grace period so that they don’t have to pay late payment charges or to avoid incurring interest on the unutilised amount. Therefore, consumers availing credit cards must be well-versed about how to pay credit card bills so that they don’t make any mistakes.

Apart from the late payment charges in case of delay in payment, other fixed credit card charges like annual charges are imposed on credit cards.

What are the annual charges of credit cards?

Financial institutions impose some annual fees on credit cards that users need to pay. This fee is usually fixed by financial institutions and is applied for premium cards that offer multiple benefits to users. Cards like Bajaj Finserv RBL Bank SuperCard offer multiple benefits like cashbacks, rewards, welcome bonus, discount, etc. and hence impose minimal annual charges that user needs to pay.

Such credit card charges are usually applied at the end of the year, or beginning or distributed partially for the convenience of the consumer. Furthermore, candidates applying for such credit cards must make sure that the offered benefits are always greater than the annual fee charged so that they are always on the profitable end.

In case the credit card lender decides to make changes in the annual fee, they have to notify the candidate about the same 45 days prior. Therefore, candidates availing Platinum Plus Supercard features and benefits and other such cards must make sure that they claim more benefits than they have to pay as annual charges.

Apart from the annual charges, credit card swipe charges may be imposed by merchants for every credit card transactions made online or at POS terminals. These charges are usually 1% to 3% of the payment made.

Subsequently, financial companies may include few other credit card charges on an applicants’ bill such as –

  • Late payment fee.
  • Returned payment fees.
  • Overlimit fee.
  • Balance transfer fees.
  • Cash advance fees.

Even though the annual fee is compulsory with certain premium cards, paying these other fees can be avoided by the user if they know how to use a credit card wisely. Utilizing credit cards gets easier with well-informed knowledge of annual fees and other charges.

Therefore, candidates can easily avail a credit card as offered by lending institutions but should first get familiar with the annual fee imposed and other charges for better financial planning.


Credit card and its annual charges to know about

Credit cards are one of the constantly growing payment options that users have accepted because of its universal acceptance and numerous benefits. This payment card is offered by financial companies to provide candidates with a line of credit that can be utilized to meet any day to day expenses, medical emergencies, educational expenses, or lifestyle spends.

However, these cards come along with credit card charges that are additional expenses applicable as per terms against the credit provided by the issuer. It is essential for prospective credit card users to know about these charges so that they can better plan their finances better while experiencing a transparent credit procedure.

Since credit cards allow users to make payments for their spending and pay it later, it is a convenient payment option for several users that require access to emergency cash. Credit cards offer benefits like –

  • Welcome bonus.
  • Cashbacks and rewards.
  • Interest free cash withdrawal from ATMs.
  • Emergency personal loan.
  • Protection against fraudulent transactions etc.

Subsequently, candidates must make timely bill payments in full to make sure they acquire these benefits offered by financial companies. These are the benefits that a premium card user can easily acquire and hence one should compare and see whether the annual charges implied is less than the savings or monetary benefits they are acquiring using it.

Annual fee imposed on a credit card is determined by the financial company. There are several other fees and charges that users may have to pay such as balance transfer fees, late payment charges, overlimit fees, etc. Users who are well-versed with the intricacies of credit card and the associated charges like annual fee can avail the maximum benefits out of it with ease.

Uncategorized Editor Wed, 29 Jan 2020 01:42:25 -0500
Is it Possible to Edit GSTR 3B after Submitting? The Goods and Services Tax regime in India came into force on 1st July 2017. This new tax structure subsumed quite many indirect taxes that were previously functional in the country.

The primary focus aim behind GST enactment was to bring the entire country under a single tax regime. Under this regime, the tax will be levied at every point of sale. In other words, GST will be charged on every value addition involved in the supply of goods and services.

By accessing the GST portal, taxpayers can file GST returns, register under the regime, generate refund applications, and so on. Under this regime, the Central Board of excise and Customs (CBEC) introduced a number of forms required to file GST returns.

These include –

  • GSTR 1,
  • GSTR 2,
  • GSTR 3,
  • GSTR 3B, etc.

GSTR 3B is one of the most important forms which summarises the GST returns of a taxpayer on a monthly basis. This form has to be filed by every individual registered under the GST regime.

GSTR 3B meaning is that it contains a monthly self-declaration of a particular taxpayer, including the details of all outward supplies made. This would contain information regarding the claimed input tax credit, tax liability, amount of tax paid, etc.

The mandatory details to be included in the GSTR 3B format are –

  • GSTIN of the taxpayer.
  • Registered name of the business.
  • Outward taxable supplies (excluding supplies which are zero-rated or exempt from GST).
  • Zero-rated outward supplies. This includes supplies which are exempt from GST. Exports and supplies made to SEZ (Special Economic Zone) come under this category. Certain goods like salt, curd, fresh milk, etc. are also exempt from GST.
  • Inward supplies which are liable to reverse charge. In case of purchases made from unregistered sellers, the taxpayer will have to prepare the invoice himself and pay the tax as applicable.
  • Non-GST outward supplies, including the supply of petroleum and alcohol products, which are out of the GST regime.

GSTR 3B filing has to be done timely within the stipulated time. Otherwise, a penalty fee will be charged on the taxpayer.

How to edit GSTR 3B form after submission?

Previously, there was no way of editing or rectifying details entered in the GSTR 3B after it had been submitted. But now, the government allows an option of 'Reset GSTR 3B' to the taxpayers.

This helps change the status of the form as 'Yet to be filed' from 'Submitted', and enables the taxpayer to edit the details in the form. The Input Tax Credit (ITC) of this return registered with the Electronic Credit Ledger will be reversed and all the details recorded in the Electronic Liability Register will be erased.

However, this option can be availed by a taxpayer only once. Here is how you can do so –

  1. Visit the GST portal and go to the ‘Return Dashboard’.
  2. Select the option ‘Prepare Online’.
  3. Click on the option ‘Reset GSTR 3B’.
  4. Once the warning box pops up, click on ‘Yes’ and ‘OK’.
  5. Now you can revise the form and re-submit it.

Completing GST-based tasks are very convenient, owing to the facilities available in the GST portal. Similarly, the GST calculator for manufacturers can also be used online to check the tax liabilities.

GST return 3, along with other forms, has to be maintained in an organised manner by business owners.

Doing so can help them avail financing without any difficulties. For instance, withdrawing a business loan becomes easier when you have these official records up-to-date.

Bajaj Finserv is an NBFC that offers such loans to small businesses against a few documents and nominal eligibility criteria.

As a responsible taxpayer of the country, you must adhere to the due dates provided in the GST portal to file the returns.

GST is primarily a technology-driven system, which means, it enables taxpayers to perform all tax-related activities online. This is one of the points why GST is beneficial for India.

Uncategorized Editor Wed, 29 Jan 2020 01:40:55 -0500
Is Real Estate a Good Investment?

Real estate is a popular investment option. You might be considering getting on board with it too. Before you do that, you should do your research to make sure it’s really what you think it is. You need to make sure it’s actually a good investment and that it’s worth the time and effort. 

Something to consider is real estate growth over time. How quickly or slowly is real estate appreciating? You should look at the growth of real estate over a long period of time instead of a short time span. Real estate generally has a steady growth rate, which is preferable over a slow growth rate. The growth rate of real estate falls between 3% and 5% per year. 

Like most investments, real estate is a passive way to earn income once you get everything up and running. There are a few things that set real estate apart from other types of investments. 

Rental income stays at pace with inflation

If you have rental properties as an investment, the amount of rent you charge correlates with inflation. When inflation goes up, so does your property’s rent. This can help protect you and your finances. 

You can make a good return on your investment

It’s very popular for real estate investors to buy a property for a low price. Then, you can resell it for a higher price once you’ve fixed it up. Be sure to look around and figure out what type of housing is in high demand. If you’re investing in more traditional ways, you don’t have a lot of opportunities to buy low and sell high repeatedly. 

You can use leverage to build wealth

When you get a mortgage to invest in a rental property, you can use that mortgage as leverage. Then, you can invest in other properties, which will disperse your risk and keep it to a minimum. Keep in mind that your properties should be selected wisely and managed well. By doing this, you can ensure that you have a cash flow positive system. 

The risk is lower and the return is greater than the stock market

When you are managing your real estate investments properly, they can perform better than the stock market. If you hold onto a home for a while, your risk continues to decrease. You can build equity in the home. The prices will go up over time, making your return greater. The values of the stock market change drastically and frequently. This can make the risk high and the return unpredictable.

These are just a few of the reasons that real estate investments can be a better choice than other popular investments. Investing in real estate comes with several great benefits to consider. There are many advantages in real estate over other types of investments. 

The best cities to buy real estate

Some cities are better for real estate than others. This is a major consideration you should make when you begin investing. Not all areas are the same and not all of these areas will give you the same success. You might consider investing in areas that have proven to work well in the past, especially when you’re first starting out. 

According to Chance Realty, these are some of the cities that are great to buy real estate in: 

  • Boca Raton, Florida 

  • Phoenix, Arizona

  • Atlanta, Georgia 

  • Charlotte, North Carolina

  • Sunrise, Florida 

  • Dallas, Texas

  • Detroit, Michigan

  • Hialeah, Florida

  • Orlando, Florida

  • Nashville, Tennessee

  • Ft. Lauderdale, Florida 

  • Miami Gardens, Florida

  • Davie, Florida

  • Miami, Florida 

  • Las Vegas, Nevada

Don’t forget to check the trends to see what is working well in these areas. Research is a very important part of a good investment. There are other areas that can be good investments as well. This list simply includes some of the best ones available. 

Overall, investing in real estate can be a good financial move. There are several reasons that it’s better than other types of investments, which makes it worth considering. As with any investment option, make sure you understand what you’re doing so you can make an informed decision about your finances. 

Uncategorized Editor Tue, 21 Jan 2020 22:17:13 -0500
Ensure Security With a Life Insurance Policy As you get older and take more control of your finances, you start to think about long-term security through life insurance plans. However, getting insurance can be an extremely overwhelming and confusing process, especially with the many plans available and the technicalities.

Financial planning is no easy task given the many uncertainties that are difficult to predict. An appointment with an agent and you would see that there are several policies available, so choosing the right one can be challenging. Getting familiar with the standard plans and perhaps even methods like the bank on yourself life insurance will be useful for you to make the right decision.

It is never too early to jump on the insurance trend, especially as it has several benefits and can provide you with long-term security. With an insurance policy set in place, you can prepare for any possible event in the future. It may be tricky to understand how insurance policies work at first, but being knowledgeable will surely help you in the process.

Whole Life Insurance

A whole life insurance plan is one of the most common and traditional policies existing. You set a premium amount schedule to your liking. For instance, you can choose to pay smaller amounts over an extended period or larger amounts over a shorter period. Additionally, dividends are paid to the policy, and you can use them to either reduce your premiums or increase the death benefit.

When you make payment for your premiums, part of the amount accumulates as cash value. You can get a loan from your cash value, but unpaid loans will be subtracted from the death benefit.

Recently, the idea of bank on yourself life insurance has emerged. This concept involves taking out a whole life insurance policy and paying additional premiums to build up your cash value.

Term Life Insurance

Contrary to the whole life insurance policy, a term life insurance policy only covers a specified term that you set. Typically, the term duration is in multiples of five, such as 10, 15, or 30 years. The only value in the term life insurance policy is the death benefit as this type of plan does not have the cash value accumulation.

Since term life insurance only covers a certain period, it is much more affordable than a whole life insurance policy.

Another advantage to it is that once the term expires, you have the option to renew your policy to extend its coverage or convert it to a whole life insurance policy. Such is crucial as the death benefit will not be paid out if the policy expires before the death of the policyholder.


A life insurance annuity works slightly different in that it operates similar to an income. Whereas the whole and term life insurance policy provides a lump amount of money as a death benefit to beneficiaries, the life insurance annuity will provide the death benefit over a certain period. You can choose to have a fixed-period annuity for a specific period or a lifetime annuity.

In 2019, the percentage of Americans having life insurance policies is fifty-seven, and though this percentage represents the majority, there is still tremendous potential to capture a broader market.

There are several benefits to getting a life insurance plan early in your life to have that extra guarantee and security. You may be overwhelmed at first, but once you are familiar with the insurance plans, you will be able to find the right policy for you!

Uncategorized Editor Thu, 02 Jan 2020 09:20:21 -0500