Benefits of SEO for small businesses

Small business has a limited working capital. As a result, they can only spend a limited amount of money on marketing and advertising to reach potential customers. The large organization have high marketing budgets to reach potential customers. Small business use to fell short in reaching a large base of customers due to money oriented marketing channels.

Benefits of SEO for small businesses

The scenario, however, changed after the arrival of the internet. Internet provided a medium for small business to place their business entity on an open platform. Online space became a productive marketing place for a small organization to reach their customers. However, as more number of business houses started using this technique of customer outreach, it became very competitive.

The online space became more organized after the arrival of a technique of SEO (Search Engine Optimization). The process of search engine optimization helps the business website to stay among to results ahead of their competitors. SEO is a mix of digital marketing strategies and techniques that help to increase the visibility of a business house in online search engines.

The power of SEO techniques is such that it can help small business with valuable information to appear ahead of large organizations in online search engine rankings. The internet has provided equal opportunities with every organization to reach their potential customers. SEO has become a medium that offers to harness the power of internet connectivity in favour of small business.

Places like Noida have established a successful SEO service industry in the last few years. Every ecommerceweb development company in Delhi takes advantage of the benefits of SEO. As a result, there are ample growth opportunities for every SEO company in Noida. These companies are helping small businesses in Delhi NCR region to take advantage of the power of the internet.  The availability of such high-quality SEO service providers is the reason that NCR has developed itself into a startup in the last few years.

Read More

Buy Sports Shoes at Affordable Prices

For enjoying sports, it is essential to have the right kind of sports shoe. More than fashion, a pair of sports shoes is required for a comfortable grip. The sports shoes are provided with an appropriate cushioning that is beneficial in supporting the movements at every step. With a comfortable and perfect grip, the shoes also help in avoiding the injuries.

There are a variety of boys sports shoes online. Before buying the shoes, you must specify all your requirements. This would help in buying the appropriate sports shoes for the particular activity. You can consider the following points before purchasing the sports shoes:

Sports Shoes at Affordable Prices

Type of Sport: You must be specific about the activity or sport for which you need the sports shoe. Depending on the surface on which the shoes will be used, the type of material required and more, you can select the shoe. Even if you are looking for a walking or running shoe, you must check all out the features.

Know your style: Based on your likes and dislikes, you can make the selection. Only a shoe that matches your style can make you feel comfortable. If the shoe does not match your style statement, it would be uncomfortable for you to carry yourself in it.

Type of heel: Depends on person to person, whether you prefer the inside heel or the heel visible from outside. In addition to this, your shoe must have the right type of cushion that supports all your movements.  At every step, your foot must be completely supported by the shoes and there should be no injury.

Know your arch: Some people roll to the inside of the foot, whereas some roll to the outside of the foot. Before buying the shoes, you must know about yourself. How does your foot land when you run? Based on the shape of your arch, you must prefer to buy the shoe that provides you stability.

Test the shoe before buying: Before selecting any shoe, you must check out the size. It is better to buy the shoe that has a wider and longer upper part. Additionally, the shoe must not squeeze the foot and all the bones should be comfortably sitting on the base of the shoe.

Get measured each time: There is a possibility of size and shape getting changed after a period of time. Hence, it is better to measure the size and then purchase the shoe. Do not forget to wear the right pair of socks and then check the size.

Considering all such factors, it is easy to buy online sports shoes for men at affordable prices. Moreover, you can choose the size, shape, and colour according to your preferences.

Read More

Dressing Baby for the winter

Jackets and coats make a huge difference!

When most people think about baby clothes they conjure images of cute sailor suits and frilly pink dresses or simply little white Onesies, soiled with spit-up Isomil formula. Hardly ever do they think about heavy winter season coats and wind resistant jackets. In winter, however, babies too need the proper protection of a Winter jackets much as an adult does, in fact way more.

Luckily the fashioners of winter jackets for Children are very much aware of the need babies and babies have for warm winter wear and have designed a few lines of basically cute coats, jackets, and other winter wear for the little ones in your family. The greater parts of these are accessible in fine stores wherever and in addition through mail arrange and online retailers. Numerous online stores offer you to buy winter jacket from solace of your Couch. The models recorded here were found on the creator infant dress site known as woolen-wear.

Jean Bourget

For the days when the atmosphere is cool, not cold, designer Jean Bourget offers a smart and attractive hooded Khaki Spring Coat. Having a lightly striped inner lining, four silver snap fasteners, and a left side pocket, your little man would be the coolest bambino on the campo da giuoco.

Zutano

To help more established infant baby girls remain warm and toasty, Zutano offers a wonderful and in addition reversible Pink Print Jacket. Made of 100% cotton, this is a coat for twofold events with a pink botanical print on one side and seersucker stripes on the other. The jacket zips in front and incorporates a hood. This Zutano artful culmination comes in sizes from 2 years to 5 years.

Of course not everyone can afford designer styles clothes for their babies in at runway model prices. While $50-$60 is not a bad price for an older Childs winter Jacket, it is a bit steep for a babies piece that, purchased in September will probably no longer fit in March. For the rest of us there’s Wal-Mart, Target, Kmart, and, for the more adventurous, Old Navy. Baby coats can be purchased at these locations for prices that are a bit more down to Earth and the items will still keep the kiddies warm all winter long.

The point is that it is important to remember that babies get the chills and need to be kept warm just like the rest of us. When purchasing baby clothes, make sure that you allot space in both the budget and the closet for a good quality coat or jacket and woolen caps to protect your baby when winters settle in and old Jack Frost starts blowing his icy vapor across your part of the world.

Read More

Tips to select the best SAT coaching center

Scholastic Aptitude Test which is lovely called as SAT is a standardized test conducted to access critical thinking skills along with the ability to analyze and find perfect solutions for problems in critical thinking, maths, and writing. The test is accepted globally and SAT score is taken into consideration by many colleges and universities around the world for admission process along with high school grades. There is no easy way other than better preparation to get good scores in SAT. This creates the demands for high-quality coaching and is the reason why candidates search for the best SAT coaching institutes of the country. Here are some tips that help you to win in the effort.

SAT coaching

Reputation and years of existence

It is really difficult for a coaching institute to sustain in the competitive industry without providing quality coaching. Hence have a look at the reputation of the institute before taking the final decision. There are institutes with more than 25 years of success stories to provide the best in sat coaching. Such institutes will have the experience of providing training to countless numbers of candidates and it certainly helps you get success assured coaching to crack the SAT with good scores to book the admission with any of your favorite schools and colleges.

Worldwide operation

Coaching institutes with worldwide operation will have several centers in foreign countries. This helps you get quality coaching materials with international standards. The quality of coaching and the approach will stand above to that of institutes with operations within the state or country limits. You can make use of the opportunity to enjoy the benefits to that of international coaching using the latest benefits of technology in both online and offline coaching.

Different coaching options

The taste and preference of coaching vary from one candidate to another. When some of the candidates prefer classroom coaching with the benefits of technology, others look for the option of live online classes or online training. Now online classes are made more interactive and effective with the benefits of technology. Reputed coaching centers make use of high-quality video sessions and live support of trainers to assure maximum effectiveness to coaching.

Free demo class

Reputed SAT coaching centers provide you with free demo class to check for the quality of the coaching. Most of the students make use of this opportunity to know in person about the type of coaching, perfection of online platforms, quality of tutors, and more before they enroll the name of real coaching.

Better customer service and easy admission procedure

Reputed coaching centers provide high-level customer service for the students, candidates and to anyone who loves to know about SAT coaching. The services are provided online and you can get back the call from the executive within a short time of submitting the basic details. This help you know about complete details about best sat coaching, fee and all of the related information sitting at the comfort of the room. Admission procedure is made really easy online, through the mail and over the phone.

Good SAT score is so important and the best way to increase the score is to get quality SAT coaching.

Read More

Stock Brokers: what to Expect?

As the fresh trends are emerging, trading is getting complex and expensive too. But there are various platforms and options out there that can make your trading tasks and experience productive and effective. You know what, if you are in trading then discount Broker’ is the medicine to high transaction costs troubling the financial industry.

You can look for the Best Stock Broker and then get started with your trading tasks. But the path to a right broker is not going to be easy or cake walk. You have to be attentive about the options you choose.   There are two types of broker’s fulltime brokers and discount brokers. Many people are turning towards discount brokers and there is a reason for that.

Stock Brokers

Well, it is quite possible that you are not familiar with this concept. Actually a discount broker is a no-extra broker.  All that such a broker does for you is he or she caters the platform for transaction and services that are essential to finish a transaction.  He just makes the process and experience simpler for you. The brokerage cost at this place makes a huge difference for you. These brokers can fetch you the finest option for your trading and you are not going to have to make a heavy payment too.

Basically the only difference between a discount broker and that of a fulltime service broker is imitated denoted by the transaction cost on low cost stocks or on the alternatives trading. Different kinds of brokerages charge a least amount for stocks below a particular price. Their purpose is to defence their brokerage in total terms as low priced stock is going to give them tiny brokerage if they are planned in the percentage terms. Similarly in the options trading that is generally low priced; mainly out of the money options diverse brokerages have a flat amount per contract. This is the technique or method of calculating brokerage that has a huge impact on the productivity of the client. Anyhow, if you look around, you can easily come across the perfect options available for you.

You also have to know that main advantage of discount broker is that such an individual is going to be unbiased. As they offer no type of advice, they shall not make you sell a good stock or at the same time, allow you purchase one. The fellow is never going to annoy you with his or her research calls and retell you of different trading calls that snapped while suitably clearing recommendations behind the curtain that did not work.  The thing is that you would not be annoyed their persistent calls or messages. They won’t bother you for sure.

Background is important

No matter which type of broker you are picking to aid you, you have to be thoughtful about their background. You cannot have one who has a notorious background. What is the point if you pick one who is not reliable?  It would be like a card with blades on both the sides.

Conclusion

So, be careful about the decision you make related to brokers. You cannot take a chance because it affects your stock and trading journey significantly.

Read More

Why Do People Prefer Vidmate Apk over Other Apps?

Vidmate has been gaining lead from its development as people like us have been downloading and installing it in abundance. The reason of its demand is not solitary as Vidmate is so eminent and versatile that people love this app for their particular and individual reasons. Let me give you an introduction of Vidmate apk that it is an Android based application, which is capable of downloading the videos from any source for free. If you love to watch the videos online then you probably have heard about the Vidmate earlier. Let’s put the highlight on the facts and reasons that why people prefer Vidmate apk so much.

Attractive UI and Simple to Download Process of your Videos

People love Vidmate application because of its straightforward interface and easy or say direct method to download online videos to the device. The convenience of using Vidmate Apps Downloading is at its peak because fast downloading of the videos attracts more and more people towards the Vidmate apk and this is the common reason that people recommend Vidmate over other video downloading apps. The way of downloading any video from Vidmate is a child’s play as you just need to browse your favorite videos on the search bar of Vidmate and when you reach your destination page of the video then a download button would be appear automatically. By clicking on that button, the video would start to parse and a slab asking for selecting the quality of the video you want to download would pop up on your device’s screen.

Convenience of Downloading Videos from Social Media

The second thing people love about the Vidmate apk is that it has access of downloading the videos from any social media website or any other source. You either can login to any social media platform like Twitter, Instagram and Facebook or can put the link of the video in the Vidmate Apk for getting the video you want to download. The process of downloading the videos from the Social Media is the same as discussed in the first reason of preference. If you show your interest in a video on the social media and want to download it then Vidmate is the topmost apk, which you can take in use easily.

Fully Protected and Virus Free Videos Obtainable on Vidmate Apk

Another thing that people love about the Vidmate Apk is this apk downloads Malware free videos for full protection of your data and files in your device. In addition, you are able to use Vidmate Online for online surfing on the Live Channels and YouTube videos. The benefit of online surfing for your favorite and latest videos is that if you are facing storage problems in your device then you can watch videos online without occupying any free space in your smartphones. And, it results in avoiding hang problems of your device whereas other Video downloading Apk do not provide malware protection. When you are using the other apk of video downloader then of course you have faced advertisements popping up in the midst of the running video, which can be annoying but Vidmate do not show any ads while you are enjoying your much loved videos.

Read More

Now You Can Buy Luxury Villas in Bangalore at Affordable Rates

The villa for sale in Bangalore is a hot topic that is trending nowadays. It is the wish of everyone to own villas for sales in Bangalore. Yes, the trend has been in the news in the real estate Bangalore scenario.

Projects like Villas are built up by real estate developers that are known for delivering quality projects at affordable prices. Many locations in Bangalore are already seeing the coming up for projects like Villas.

Be it premium apartments such as Arvind Sporcia and Godrej Eternity Kanakpura Road, and villas, you can now buy all by following some tips.

Tips to buy your next villas for sale in Bangalore

1. Check the builder’s part records

Builders are shrewd and may play with your sentiments. They may lure you with tall claims about the property that you wish to buy and deliver an average one. Thus, the first thing that you should look for before finalizing villas for sale in Bangalore is checking builder’s track record. How has the builder been able to deliver its projects on time or not should be your prime goal! You can also visit some of the earlier finished projects of the builder to know about its quality and delivery. Alternatively, you can also check out some property websites and contact local brokers. It will help you to know if the builder is worth considering or not.

2. Talk about the Government approvals

All housing projects in Bangalore need to have the approval of the Government of Karnataka to become a legal entity. Some builder may not have the approval of the Government and may be duping you just to make money. Hence, talk about the same with the developer and ensure that you see all approval papers.

3. Is the project RERA registered?

Real Estate Regulatory Authority (RERA) has come as a blessing in disguise for all homebuyers. Now, builders can’t use the money allocated for a particular villas project to any other project. This way, the delivery of the villas and other properties will be on time. Thus, you should enquire if the villas for sale in Bangalore that you wish to buy are RERA registered.

4. Is it really a Villa?

Some builders may lure you with the pictures of luxurious villas but deliver something different. As a result, you should go ahead and make visits from time to time the villas site to know what’s being built up. When you are alert, even the developers won’t be able to cheat you.

5. What about the luxuries?

Now that you are looking to buy villas for sale in Bangalore, you should know if the Villas are located away from the chaos of the city life or not. Is the villa’s space private or you will need to share something in common with others? Does the villa have all the luxuries like AC, LED TVs, security and excellent interiors? And yes, what about your privacy? Always remember to check on these factors before going ahead with your Villas booking.

The idea behind the trending of villas in cities like Bangalore is simple. People want their own space and don’t want to live in crowded like places in apartments. The builders have tapped the needs and are coming up with many projects. However, following of the discussed tips will help you buy your villas with confidence.

From finding the right home to getting in-person assistance for site visits, to availing a loan and getting documentation assistance, Home Loans by Bajaj Housing Finance Limited help you do it all.

Read More

Water purifiers- Need of every house today. How many types of water purifiers are there?

1.         Water purifiers are the most important machine that is needed by people in the times of dirty and hard water.

2.         People are using so many different kinds of water purifiers for both commercial and domestic purposes just to make the water clean and healthy for drinking.

3.         Water purifiers are not only available in small sizes but there are so many big RO also such as industrial ro plant machines. These are the machines that will help out industries in making the water purified and clean for drinking.

4.         Purification of water is very much necessary because there are so many germs present in the water that will make you suffer from a number of diseases.

Water purifiers

So, to solve this problem out people should use water purifiers for making their drinking safer. There are so many different types of water purifying technologies of water filters that will help out people in having the cleanest and safest water for their help. The different types of technologies are mentioned below:

1.         Carbon filters water technologies:

1.         These are the water filters that are made up with carbon technologies.

2.         These water filters are also available in big sizes. In simple words, they are also available for industrial purposes.       

3.         These are water filters that are made up with carbon technologies. These carbon technologies soak and absorb all the dust particles in them and therefore, help in making the water purified properly.

4.         These are the purifiers that clear down 80%of impurities and contaminants from the water.

2.         RO filters water technologies:

1.         These are the best water purification technologies that will make the water 100% clean and purified for further consumption.

2.         These water filters have an RO membrane through which water is passed for the purification method.

3.         When the water is passed through these semi-permeable membranes of RO water filter technologies then the water is cleared out from all the contaminants and impurities. Therefore, this is the most effective method of water purification.

4.         These are the water purifiers that are supplied by the industrial ro plant companies to the people.

3.         UV filters technologies:

1.         These are the water filters that help in clearing up the water with the help of UV radiations.

2.         When the water is stored fully in the filter the radiations are passed through the water for making the water clean and purified for drinking.

3.         These UV radiations helped people in clearance of impurities and contaminants from the water and making it very much effective for drinking.

4.         Infrared water filters:

1.         These are the water filters that work on the technologies of Infrared radiation.

2.         These are the water purifiers that help out people in making the water soften properly as because there are so many areas in India where hard water is supplied.

These are some of the water purifiers technologies that will help in clearing and making the water purified. Other than these there are so many other technologies also for water filtration.

Read More

How To Buy The Best Maternity Insurance Plan?

The past decade has seen a steep rise in maternity related expenses in India. These expenses include pre- and post-hospitalisation medical expenses, inpatient expenses, pre- and post-natal expenses, costs related to any complication during delivery and co

st of treating the child in case it is born with any medical condition. The medical bill that accumulates during maternity can have a serious impact on the family’s savings. Considering the importance of maternity health care and the exorbitant costs related to it, it is important for young couples to consider purchasing maternity health insurance.

There are many medical insurance policies that offer maternity cover as an add-on benefit, which you can avail by paying an additional premium. Alternatively, you have the option to buy a specialized maternity insurance policy from a general insurer. There are several factors to be considered before you decide on the right maternity insurance for you.

1. Waiting period

Most maternity insurance policies in India come with a waiting period of 2 to 4 years. This would mean that you should buy the product well in advance. Hence, prior to purchasing, take a note of the waiting period as you will not get any benefits from your policy during the waiting period.

2. Age of the insured

This is another essential factor to consider before purchasing a maternity insurance policy. In India, the maximum age up to which a woman can claim maternity insurance is capped at 45 years. Go through the policy document carefully and talk to your prospective insurer before availing the policy.

3. Maximum limit on the amount of claim

Generally, the maximum maternity and baby-related claim is between Rs.15,000 to Rs.30,000 for normal deliveries and between Rs.25,000 and Rs.50,000 for caesarean births. This is hardly sufficient to cover hospitalization expenses in private hospitals. The claim from your maternity insurance policy can only alleviate some of the financial burden that you face during maternity.

4. Exclusions

When you consider buying maternity insurance, you need to check whether there are any exclusions specified in the policy. You need to look for a comprehensive cover that takes care of most of your maternity-related expenses. You need to verify whether pregnancy-related complications and pre- and post-natal expenses are covered under your policy.

5. Insurance cover for the baby

This is another important consideration before purchasing a maternity insurance policy in India. Check whether your maternity insurance policy gives coverage to the newborn in case of any congenital disorder or critical illness.

6. Cost benefit analysis

Specialised maternity insurance offers comprehensive coverage of all maternity-related expenses, subject to certain upper limits. However, these policies come at a very high price. It may be more viable to buy a maternity coverage as add-on with your existing health policy by paying an additional premium. A cost-benefit analysis will help you take the right decision.

Working women are generally covered under a corporate group health insurance policy. It is important to check with your company whether maternity is covered under the policy.

Generally, maternity coverage is provided as an add-on benefit with an upper cap on the amount that you can claim. An individual maternity health policy will help you to cover any expense over and above what you can claim under your company’s group health policy.

Read More

Real Benefits of Investing in Real Estate

Thinking of investing in real estate? The real estate market in India has revived steadily over the last year or so due to improved buyer sentiments. The introduction of RERA has proved to be a major shot in the arm for the sector since it has brought about increased transparency and accountability in the industry. This has heightened buyer confidence and attracted several hitherto fence-sitters back to the market. End-users and investors are both returning to the real estate market in major cities like Mumbai, Bangalore, NCR and Pune among others. In Pune, for example, key projects like Godrej Prana in Undri, Pune are already garnering eyeballs while there are new project launches which are going up in almost every city to cater to this renewed demand.

Another boost for the real estate sector has been the Pradhan Mantri Awas Yojana as part of the Government’s Mission of Housing for All by 2022. Under this scheme, there are interest subsidies given to homebuyers in various segments. This has set off a boom in the affordable housing and mid-range housing segments. Even a rise in the number of home loan applications has been observed throughout the country in this regard. Here are some of the benefits that you stand to get when you invest in real estate- 

1. Earnings- This is definitely the biggest incentive of all for real estate investors. Investing in property for the long haul will help you increase your earnings in the form of rental income. You can be earning attractive rentals depending on the location. In fact, several investors plan wisely and invest in multiple properties to earn rental income from several sources. 

2. Security- After all, real estate guarantees long-term security, at least from the financial perspective, since you will have built up an asset for your family’s future. The property will also appreciate in terms of its value which will give you greater benefits.

3. Taxation- There are several tax benefits to be availed if you are the owner of a rental property. Rental income does not come under self-employment taxes. There are tax deductions available for insurance, property depreciation, travel expenditure, property taxes, legal fees and maintenance repairs.

4. Cover the EMIs- The rental income that you earn from your property will easily cover the monthly EMI to be paid for the property in question. However, before applying for a loan, do bargain for a competitive home loan interest rate and check the online home loan calculator in order to find out the amount payable every month. You should also use the home loan eligibility calculator to determine the home loan amount that you will be eligible for.

5. Beat Inflation- Appreciation in real estate makes it a good bet to combat inflation over the years. The cash flow of a real estate investor will automatically move up with increasing costs of living.

6. Being your own boss- When it comes to real estate investments at least, you will always be your own boss. You will have total control over the investments that you make, the rental plan, choices of tenants, rental prices and property maintenance and management. You will always be the key decision maker when it comes to your investment.

Read More

7 Things to Consider When Shopping for a Laptop

Are you on your way to buy a new laptop? Congratulations! A laptop has emerged as one of the major things to have these days. By having a laptop, you can continue your work anywhere and carry it anywhere.

There are many brands of laptops available in the market with many features, which may confuse you which one to go for. However, more than the brand, you need to consider some vital elements in a laptop before buying it. Let’s discuss some major aspects now:
Vital things to look out at the time of buying a laptop

1) Build quality
The first thing that you need to consider while buying your next laptop is its build quality. The laptop that you want to buy should be durable, solid and look good. You should not opt for a notebook that looks like a piece of plastic.

2) Display quality 
The screen or the display of the laptop indeed plays an essential role in offering the best computing experience. Go for a laptop with a screen display of at least 13-inch and aim for 1366 x 768 pixels resolution with HD. Having a good display is vital to enhance your web browsing, gaming and entertainment experience to the next level.

3) Speakers
Many people like to work on a laptop while listening to music, and if you are among those, and even if you are not, you should check the laptops’ sound quality. To check the speaker quality at the time of purchasing it, you can play a YouTube video, and music to ensure the same. These days, laptops also come with Dolby speakers, which may enhance your laptop’s audio quality.

4) Storage type 
Another vital thing to remember while selecting an idea laptop is the storage type. The laptop’s storage is vital to store the sound, video, document, and all programs. You may find HDD in 90% of the laptops which is good for an average user. However, if you are in need of the high disk speed and best performance; you can consider SSD instead of the regular HDD. SSD is considered lightning fast compared to HDD, compact and even power efficient. The only thing that you will need to consider is that you will have to pay more for having SSD storage.

5) Battery life
Other than Apple, no particular laptop manufacturer lets you know about the battery life. Apple claims that MacBook will offer a battery life of around 10 hours, but it may provide a backup of just around 6-7 hours, which is good compared to others. Thus, you can go for a laptop brand that claims to offer a longer battery life.

6) Weight 
A notebook is not a desktop, and its weight should not become a burden for you to carry everywhere. Be it your office, home or in your travelling; it should be easy to carry around. Hence, try to opt for a laptop that weighs about 1-2 kg. If you are going to buy a MacBook, it will weight of up to 1 kg only.

7) Customer care support 
What will you do when your laptop is damaged and if you are unable to get your problem solved in a hurry? Your work will suffer, and that will annoy you. To keep it off, you should always opt for a laptop brand that gives good after-sales services. Also, check the warranty and replacement claims that you get.

These are some of the major aspects that you should consider while buying a laptop so that your device can accompany you for more years to come.     

Go for an EMI on laptop without credit card

If you have some budget constraints or don’t want to pay the entire amount of the laptop in one go, you can opt for the No Cost EMI facility.

This facility is available only on the Bajaj Finserv EMI Network.

You can buy a laptop on No Cost EMI by dividing the cost into monthly installments without paying anything extra. Like this, you can easily buy a laptop on EMI even without having a credit card.   

To commence shopping on No Cost EMI for laptops and 1 million+ products across the Bajaj Finserv EMI Network, you will need to swipe the EMI Network Card. It should be swiped at a partner store on the Bajaj Finserv EMI Network to end the shopping.

Even if you don’t have an EMI Network Card, you can still shop on No Cost EMI by submitting your KYC documents and a cancelled cheque at a store. The facility is available at 60,000+ local outlets in 1300+ cities in India.

Bajaj Finserv also offers some pre-approved deals on a host of many more financial services such as personal loans, home loans, and business loans and beyond.

You should check out your pre-approved online loan deals by sharing some of your basic inputs such as city, name, and age to get started! 

Read More

How to manage effectively and wisely volatile markets: 5 valuable tips to follow

The stock market is at times highly volatile and choppy, making it troublesome for those investors who are not better planned or have proper investment strategy. According to the industry experts, market volatility triggers is likely to appear in several sizes and shapes. This can be in the form of policy uncertainty, geopolitical unrest, earnings report, etc., the list of which is almost limitless. Experts also opine that even the most seasoned investors are likely to get rattled with market sudden swings. However, volatility does form part of the investing avenue and should be dealt with calmly and strategically.

volatile markets

Overcoming market volatility

The experts also conclude that dramatic market moves might cause the investor to worry about his investments and strategy made. Natural reaction to it is to eliminate or reduce such stock exposure, expecting future losses, which of course does not make any sense for long runs. It is only by being adequately prepared and having clearly defined plans that the most volatile stocks can be taken care of and benefits derived.

Some tips to follow

Proper investing strategy is to be device with exposure given to different market areas including large and small caps, investment grade bonds, international stocks, etc. to match overall portfolio risk to goals and personality.

•         Keep perspective since downturns usually are short-lived and normal. But the stock market has the capability to manage recovery from such declines and offer investors with long term positive returns.
•       It is essential to comfortable with investments made in the market. Becoming nervous as the market becomes volatile, the portfolio risk level will only be found inappropriate. The key aspects to assist ensure having proper functioning investment strategy is the person’s tolerance for risk, goals and time horizon. Realistic expectations are to be set.
•        Avoid timing the market: It can be really dangerous invest-wise to move in & out of the market during highly volatile conditions. Investor decisions on when to sell and buy funds are likely to cause worse performance when compared to holding the funds. Experts suggest investors to invest during good days and avoid bad days to stay financially safe. Prediction of the market is simply impossible for anyone.
•       Regular investment inspite of volatile market is a must. Those investors investing their hard earned money regularly for months, years and even decades are not likely to get much affected by downturns. Rather than judging the present market condition, it will require disciplined investment approach, which will be quarterly, weekly or monthly to avoid dangers associated with marketing timing. Although no gains or losses will be guaranteed with downturn investing, as prices fall, the investor is sure to benefit with the long run.

·     Avail opportunities. Few actions can be taken as the market is down to be in a better position in the long run. Downturn for example, can offer opportunity to harvest tax loss. 

Read More

Explained: How To Be A Smart Credit Card User

The perception about credit cards is mixed among individuals. The general idea is that credit cards create debt and are negative for an individuals’ financial health. On the other hand, those who have used it, think differently.

For them, credit cards are not only a positive way to avail discounts on purchases but also to manage their budget and improve their credit ratings.

A credit card is among the first choices if you’re looking for how to improve CIBIL score quickly. You can become more creditworthy to lenders with a high credit rating in a short span of time if you use it smartly.
Read on to know how to be a smart credit card user and improve your credit score.

Managing Your Credit Effectively
A credit card company will check your credit score and history when you make an application. Your CIBIL score will go down with each inquiry because making one enquiry will deem you as a credit-hungry individual. Making multiple enquiries will make you look even more, which will be noted in your running credit history.

Help yourself with a healthy credit score by following up on the right habits. Those who know how to improve CIBIL score quickly keep their credit utilisation within 30-50% of the credit limit and so should you. This is one of the guaranteed ways to boost your CIBIL score.

Stick to One or Two Credit Cards

The rewards provided differ with credit cards. For example, an airline credit card gives you reward points on air tickets. You can redeem these points to get discounts on your future ticket purchases.
Similarly, fuel credit cards provide rewards when you purchase fuel. You can redeem these points to purchase free fuel up to a particular limit. These cards also provide full or partial fuel surcharge waivers with these cards.

Another similar type of credit card is a retail credit card. Also known as co-branded credit cards, these provide rewards when you shop from specific retailers.

If you go for movies a lot, then you can avail an entertainment credit card. You can earn attractive rewards when buying movie tickets with these cards. Furthermore, you can also get free movie tickets.

Pay the Bills on Time
Perhaps the easiest of all the ways on how to improve CIBIL score quickly is to pay outstanding credit card bills on time. Contrary to popular belief, a credit card can help you increase your credit score considering if you stick to the payment dates.

On the other hand, failing to pay the bill within the due date can not only decrease your credit score but also invite additional penal charges. These may include a high rate of interest, late payment fees, etc.
Credit cards have a grace period of up to 45 days, giving you ample time to pay the outstanding. All you need to do is follow up strictly on the dates.

Pay the Full Amount Due

A typical credit card bill comes with a minimum amount due and full amount due.

The minimum amount is either a specific percentage of the total or the same with interest. You can pay the minimum amount due if you don’t have the funds to pay the full. However, doing so will reduce your credit score. Moreover, you will still have to pay the total amount due on the next bill.

If you know how to improve CIBIL score, then you must also know that you should always pay the full amount due.

You must also follow these rules mentioned above to manage your credit card efficiently and increase your credit score. With the best CIBIL score, you can avail higher loan amounts sanctioned at the most attractive rates of interest.

Manage your credit cards smartly to get the best discounts and offers. More importantly, stick to the basics of credit usage and improve your credit score fast and easy.

Read More

How can You be Eligible for An Unsecured CA Loan?

In recent times, many banks and non-banking financial institutions have started offering tailor-made loans for chartered accountants to cater to their various needs. These loans are meant exclusively for qualified CA professionals and can be used for a variety of purposes- setting up or expanding your own CA firm, renovating your home, funding your children’s education or consolidating all your existing debts.

Bajaj Finserv offers a suite of loans for chartered accountants with an easy online application process, minimal documentation and instant financing. However, there are certain eligibility criteria that you need to meet before you can avail the finance. Read on to know what makes you eligible to avail an unsecured CA loan and how to get your loan application approved easily.

1. Your average monthly income
Lenders determine your loan repayment capacity by evaluating whether your monthly income is sufficient to service regular loan EMIs. It means that the higher your average monthly income, more are the chances to be eligible for a CA loan. Hence, you should look out for the minimum income required for availing a CA loan before applying.

2. Your location 
The place where you stay plays an important part in determining your CA loan eligibility. Your lender must provide its services in your city of residence. Also, the minimum salary required to apply for a CA loan is higher in big cities and industrial towns, and more so in metropolitan cities like Mumbai or Delhi.

3. Your professional experience
Many lenders require a minimum level of experience for chartered accountants to approve their loan applications. They may ask for your Certificate of Practice (CoP) as a qualified CA to know about your professional experience. Generally, there should be 3-5 years from your CoP till the date of your loan application to qualify for financing.

4. Your age at the time of application
Lenders also look at age of the applicant as a reliable factor before approving their loan application. They prefer younger applicants with a stable and settled professional life. Generally, the age limit to apply for chartered accountant loans fall between 25 to 60 years.

5. Your existing debt liabilities
If you are already juggling too many loans, the lender may find a new loan as an added burden on your monthly finances and hence might reject your loan application. Thus, it’s important to keep your current debt to income ratio as low as possible to increase your chances of getting the loan application approved by the lender.

6. Your credit score or credit history
This is one of the most important factors that determine your eligibility to avail an unsecured CA loan with any lending institution. The lender will scrutinize your credit history and look at your credit score before approving your loan application and if they find it insufficient, they may simply reject your loan application or ask for higher interest rates.

Hence, it’s essential to keep a low credit utilisation ratio and maintain a good CIBIL score to be eligible for a CA loan. Also, with pre-approved offers from Bajaj Finserv, you can avail easy and quick finances with simple eligibility criteria and hassle-free loan approval process.

Read More