When should you opt for Loan Against Shares?

Most people are not aware that apart from taking home loans, personal loans or loans against FD – they can avail Loans Against Shares (LAS) too. Availing LAS is as simple as any other loan. Such loans can be taken against any securities you own such as Mutual Funds, Bonds, ESOP, FMP, etc. LAS is now offered from all the private and public-sector lending institutions, banks and NBFCs. With Bajaj Finserv, you can expect to get easy loan against shares at attractive interest rates.

LAS is an excellent option to get quick financing when you need money to meet any financial or personal requirements. Like any other loan, you should analyze and assess purpose, affordability and their impact on other financial short and long-term goals when you apply for LAS. Applying for LAS has now become a comfortable and affordable option as it offers urgent liquid money. All you need are some shares with high liquidity and market value.

Why should you take Loan Against Shares (LAS)?

One big difference between loan against shares and other loans is that there are no charges for prepayment. NBFCs like Bajaj Finserv offers LAS with no loan statement charges with a minimal processing fee, while applying online.

● In most cases, you also get an overdraft facility when you open a current account. Also, the interest is charged only on the amount withdrawn according to the period for which you will utilize it.

● Unlike personal and home loans, LAS is not based on EMIs. However, one essential thing to keep in mind is you should not reinvest the loan taken against shares, back into the market.

● Growth in incomes of the Indian people is the main reason behind an exponential increase in the loan market in the recent years. That is the reason, the listed securities by banks are approved at regular intervals every six months. This is important to keep the limits of margin which can be sanctioned to the customers. Some loans are also included with riders or add-ons which can be invested for checking any speculation and other illegal activities regarding shares.

● There is often a maximum limit for providing LAS to the borrowers, which is usually set by banks. These limits are based on the shares pledged by the customers towards the lending institution. This consists of volatility, mid or small sized capital, and liquidity of stocks. In case of Debt Securities, you can withdraw a substantial amount. However, in other securities, the amount of loan depends on the tenor, risk tolerance and liquidity.

● On the other hand, if the market prices fall while you have taken a loan, you have to pledge additional securities to the lender quickly. Hence, it is always advisable to borrow loans that you can easily afford to repay. While there is an increase in the market prices, the banks can increase the limits and margins. These are subject to some conditions where you would have to pay the interest every month, and it cannot be delayed.

● In case of selling the shares which you have pledged, you can de-pledge them. This process of de-pledging takes around two days.
While purchasing loan against shares, it is crucial to keep a check on market trends. If it is bullish, you can redeem your investments. Whereas, if it is bearish you can go for buying loans. Many online platforms like Bajaj Finserv have online application facility to apply for loan against shares requiring minimum documentation from you. There is a Relationship Manager always at your service to deal with all your queries and complaints.

Read More

The Benefits of Bus Tours from New York to Boston

If you are in the middle of planning a tour in luxury and style, why not use the services of bus tours from New York to Boston. Whether you are a globe trotter or a resident in the USA, you can opt for this wonderful tour to visit the most beautiful places across Boston. There are certain tour packages available for people of every age and interest.

Bus tours have gained immense popularity in recent times and turn out to be one of the most preferred options for budget tour. There are various advantages of choosing a bus tour for your vacation.

 Benefits of Bus Tours from New York to Boston

Viable Option to get around:

Bus tours are one of the most viable options to get around the place and see all the major sites across any city in short span of time.

Convenient and Comfort:

The biggest advantage of choosing a bus tour is that there is no need to drive or worry about traffic, parking, pedestrians, or follow directions to reach a particular site. There is nothing like sitting and watching the wonderful scenery.

See more sights:

When you use a bus tour service, you need not worry about the itinerary of your trip. The tour operators have experience and expertise to design the entire trip. This will allow you to see and enjoy more sights than if you tried to organize it yourself.

Affordable:

There are a variety of packages available at rock bottom prices. Despite being budget tours, they deliver an exceptional and unbeatable value. Moreover, you can enjoy a safe and secure journey while lessening your expenses by sharing your room.

Socialize:

Large groups from different parts of the globe are comfortable with bus tour packages. You can also experience great diversity of cultures along the way.

Hassle Free Vacation:

Another biggest advantage of bus tour package is that there is no need for making any room reservations or buying entry passes etc. The tour operator does all the necessary arrangements for you. Almost all bus tour packages come up with hotel, tour guide, and transportation.

 Onboard Entertainment:

Choosing a bus tour offers you more than a ride. This is a fully guided tour with a live narrator who keeps entertaining you on your tour.

 Reliable Drivers:

Unlike other car rental services, bus tours come up with one of the biggest advantages in the form of having a reliable driver. With years of experience in the field, they are pretty familiar with the route and this could lead to driving in a circle or arriving at a different place. That said, it is imperative to check the condition of the bus because if it is not well kept and the driver is not experienced, this means problems might occur on the road.

There are some of the best and most reliable bus tour operators in the United States that offer tours to the most popular destinations across the nation. Tours from New York to Boston are conducted by expert tour operators that offer quality tour packages. It is important to read the tour details carefully prior to making bookings to Boston.

Read More

How to Safely Use Fixed Access Roof Ladder

If you are into construction site, you need to take care of your safety. Every year, large numbers of workers get seriously injured while using portable ladders. Due to a sense of complacency and poor practices, ladder use often causes injury to the workers. Gravidity usually always wins. Remember, as soon as you set foot on the fitst rung and pull your body off the ground, gravity works bring you back to earth. With this aspect in mind, it is important to take general fixed access roof ladder safety into consideration.

 Fixed Access Roof Ladder

Remember, proper ladder setup will help prevent slips and falls. Hence, it is important to inspect your ladder prior to use. Don’t forget to look for signs of damage or wear. Check out the surface before you place the base. Make sure that surface is firm and solid. Avoid slippery, wet, or soft surfaces. If the surface is soft, be sure to place a board under the ladder’s feet to provide firm footing. Make sure the top of the ladder has firm support and you secure or tie off extension ladders.

Never lean a ladder against a window pane or other unstable surface. If you are using straight or extension ladder, the angle of the ladder is the next critcal safety factor. A straight or extension ladder should be placed with the “1 to 4 rule”. Ensure that for every 4 metres in height the ladder extends, the base of the ladder is 1 meter away from the support structure.

Those who using roof acess ladder should use ladder with its top extending at least 1 meter above the roof or platform edge. Make sure that the extension ladders are fastened to an upper support. If you have angled the ladder properly and still have doubts about its stability, ask someone to hold the ladder before climbing up.
When using a step ladder, open it completely before you climb and checl the locking/support mechanism. While using a step ladder near a doorway, be sure to lock or barricade the door and post signs so no one will open it and knock you off the ladder.

When going up, always face the ladder and grip the rungs of the ladder to climb, not the side rails. Avoid climbing up or down the ladder from the side unless it has been secured to prevent movement. Do not climb with equipment in your hands. Use your pockets, equipment belt, or a tool pouch and raise heavy objects with a hand line. If you forget something, always climb down the ladder to retrieve it yourself, don’t have someone toss it up to you.

While going down a ladder, practice the same safety rules. Face the ladder, keep your body square and hold on to the rungs. Lastly, step off at the bottom rung of the ladder. Never jump off of a ladder.
Last but not the least, be sure to find the quality fixed access roof ladder from a reliable place.

Read More

How to Improve Roofs with Quality Roofing Copper Nails

There are many different roofing materials, each with their own benefits. While some are more durable, others shed more water. Each follows unique installation process. If the roof is composed of some sort of shingle, it will require quality roofing copper nails. This definitive guide will help you through your next roofing project.

Roofing Nails:

Roofing nails are amongst the most common type of roofing nails and are usually used with most shingles. Made from stainless steel and aluminum, these nails can prevent rust and corrosion. The head of a roofing nail is quite large and wide. This gives the nail a larger surface to press the shingle to the sheathing. The nails are driven through the shingle and into the sheathing to hold them in place.

 Roofs with Quality Roofing Copper Nails 

Unique Shaft:

The most common type of nails used for roofing are known as roofing nails and are used in conjunction with most shingles. Usually, these are made from stainless steel and aluminum to prevent rust and corrosion. The head of a roofing nail is quite large and wide. This gives the nail a larger surface to press the shingle to the sheathing. The nails are driven through the shingle and into the sheathing to hold them in place.

Length of the Nail:

Roofing nails are available in various lengths. What size you should choose depends on three factors. The first is how thick the shingles are. The second factor is how thick the underlayment is. Finally, the nail should extend an extra ⅜" to ½" through the sheathing. At this depth, the nail will begin to bend as it is pulled out, providing it more grip in the wood.

Special Nails:

Some specialized nails are known for the waterproofing quality. Galvanized nails are the ones that have been dipped in zinc, enhancing their resistance capability. These nails that have been coated with zinc last a lot longer than ones that were plated.There are also copper nails that impede the growth of mildew and algae on the head. Tar coated nails have a layer of tar on them that is heated up by the friction created when driving them into the wood. This tar then blocks the hole, preventing water from seeping through.

Usually, every part of the roof is treated with elements that keep the rain and weather out of the house. Since it takes quite a beating, both the shingles and the roofing nails in Atlanta need to be high quality to last for a long time.

There are variety of local and online stores where you can find the right kind of nails. It is also important to make sure that you understand and ask whoever’s doing their roof what warranty is, “what kind of nails do you use.” Be sure to ask if the nails are covered under warranty. The experts will explain the usage as well as help with the size you want. With wide variety of roofing copper nails available, it is important to understand and know which roofing nail applies to your roof and install.

Read More

Save Yourself from Sudden Infection Attacks

These days, one suffers a lot from infection attacks. This mainly happens because of the huge amount of pollution around and due to sudden change of seasons.

This makes one ill suddenly as people mainly suffer from flu attacks along with ear and throat infections. If this happens on a regular basis, then one needs to go and consult a doctor. There are many ENT specialists in Delhi who can be if huge help if one suffers from these diseases.

Save Yourself from Sudden Infection Attacks

Also, ear infection has become a regular problem these days. It can happen whenever there is a season change and due to that someone catches a cold. But there is no point treating your ear on your own and take medicines. You are not an expert and so you should not do this. It is always a good idea to go and see an ENT specialist who specialises in this field and can help you. Well, in most cases of ear infection, a doctor always prescribes an anti biotic. This is because; anti biotic can reduce infections in a human body and help them to get rid of the problems that they are facing due to that. In fact, they also reduce the germs present in a human body.

But there are many ways by which one can stay away from these sudden infection attacks. Let not the regular season change has a bad effect on you.

The primary thing is to maintain proper hygiene. This is because; most of the infection attacks mainly happen because bacteria and fungi attack these parts of the human body easily; especially the throat. This also includes the food you eat and the air you breathe. So maintaining a personal hygiene routine is very important. Wash your hands properly before eating something and try to use a sanitizer when you are not at home. Also while sneezing and coughing try to close your mouth to maintain the respiratory hygiene.

Try to avoid direct contacts with those who are already suffering from the infection.  This is because throat infections can easily be transmitted through touch. Try to stay away from the allergens. When you are exposed to things like sprays, smoke and dust then you throat might get affected. This can give one a bacteria attack which is not welcome.

There are some infections that may happen due to virus attacks. If one is suffering from high fever there can be an inflamed ear drum as well. So, you cannot specifically differentiate all the pain. A doctor can only help you in finding the actual reason.

People always believe that infection attacks happen from outside pollution. But this is not always true. It can also happen from indoor pollution. So one also has to keep their home and work space dust and allergens free. Otherwise, this can lead to serious infection attacks and breathing problems. Regular dustings and vacuum cleanings are must so that indoors remain dust free and less pollution occurs there so that one can lead a healthy life.

Read More

Why must you opt for Bulk Sms Services?

1. The service: The best bulk sms services out there give you direct partnership with a number of people like SMS gateway routing, a number of telecom operators, good delivery rates, reduced latencies and an all day all night support for the texts you want to send.

2. A great customer support base: The marketing experts are always available to help small medium enterprises and startups to run good SMS campaigns. They can contribute with ideas and suggest cost saving techniques to reduce the rates. These companies pride themselves on delivering a great support system to all customers no matter how big or small their company size.

3. Good bulk SMS providers can charge a little extra but you should be rest assured that they are the ones who are reliable because a number of bulk SMS service providers  out there compromise on the quality involved and provide the people with fake delivery reports at unbelievably low prices. This is why you must go for something that provides bulk sms through excel so that you can keep a track.

What to choose, Transactional or Promotional SMS route?

Choosing the best SMS route for yourself is a task in itself. You have to ask yourself if this is for customer engagement or if it's for SMS marketing purposes. Given below is a guide that will help you get started with the process.

● Promotional SMS: This is the kind of message that is configured for all new accounts out there. A promotional SMS gateway is usually used for sending out promotions or offers to both existing and new customers. You can even get a trial run on bulk SMS applications that deal with promotional SMS.

● Transactional SMS: This route can only be used for one thing, which is sending transactional SMS like OTPs and regular alerts to users who are registered with a particular platform. These messages can be sent 24x7 from a sender ID with 6 characters.

● Business SMS: A number of big bulk SMS providers deal in both transactional and promotional SMS which makes it easy for any business to send both kinds of messages absolutely hassle free. A lot of these providers give excellent rates if you combine both SMS alerts and bulk SMS.

Since SMS is so compatible with billions of handsets in the market today, it is very important that communications that enterprises want to have with their customers find a part in text messaging. This communication channel can provide businesses with the kind of interactivity and immediacy that no other medium offers. With budgets out there tightening and businesses looking for ways to increase the returns on their investment, SMS allows cost reduction and gives a greater return.

SMS is a very unique marketing tool that delivers a lot in just a few words and allows brands to deliver critical information constantly so that the customers always keep them at their subconscious level. The sms from excel software free also gives personalized offers which are tailored to suit every person's needs and last but not the least it helps in evoking brand awareness.

Read More

All you should know about Cold Pressed Juice and its benefits

If you have been thinking for a healthy but tasty thing to add to your hydration routine, then it has now been answered. Cold pressed juice is something you can grab on the go quickly. If you have kids who do not want to touch fruit or vegetables, this is the yummiest way to get all the nutrition to them without causing chaos in the house. We see this nation is going crazy over cold-pressed juice because we see them everywhere. The rainbow color makes them attractive to look at as well. If you want to know its benefits, then stay tuned.

How is Cold Pressed Juice made?
You may have a fresh orange juice every day that you make in your mixer. Then what is the cold pressed one’s history! Yes, it is an entirely different process than freshly made juice. A different juicer that uses a hydraulic press and slow pulverize to make the healthy cold pressed juice. This system keeps all the benefits of fruits and vegetables so cold pressed juice benefits our health more. Though this kinds of juicer are not familiar in our normal household. The one we use in our home is a centrifugal juicer.

When we make our fresh juice with the conventional juicer that machine spins very quickly. The fast spinning produces a lot of heat. The quick process of extracting juice is not so good for us. Because of the heat that was generated while making it breaks down essential enzymes in the fruits and vegetables. The rapid spinning lets air in the juice and oxidizes it that withers away all the good nutrients of the juice. The juice you get from the conventional is no doubt tasty, but no way is it healthier than cold-pressed juice. But cold pressed juice benefits us more because it can preserve all the nutrients. No heat is produced while making this juice because it presses the fruits to make juice.

Why cold-pressed juice, not a conventional one?
Fitness freak people, vegans or anyone interested in trying out new things can have it. This drink is perfect for detoxifying the body. We all know that toxins are in our body because of the pollution, GMO, junk food and alcohol.  The body is all the time in detoxification process, but that makes it tired so help your body with some detox juice.

The nutrition you get in the cold-pressed juice is going to keep you well-hydrated throughout the day and promote better immunity. The body gets this cold pressed juice without fibrous pulp. It makes it easier for the body to break down everything easily and start working instantaneously. The skin is getting benefitted from having nutrition. The detox process clears the skin as well.

What things do we need to look for in cold-pressed juice?
Reading all the benefits of the juice, you will be intrigued to try out the cold-pressed juice. But all the cold-pressed juices are not made equally. Try to read ingredients and see if your needs are fulfilled in this bottle. If you do not want sugar in your bottle of green happiness check it. Try to go for ‘all natural’ or ‘organic’ option and do your research about everything before you buy it.

Best-before date is another thing to concentrate on. Cold-pressed juice should not contain preservatives, and it should not have shelf life more than three days. Drink them as fresh as you can. 

Conclusion:
These fantastic benefits of cold-pressed juice are going to benefit your health so much. The busy, stressed life and lack of self-care lead us to a lot of illness. Kids suffer from lack of nutrition because of their obsession with junk food and hatred of vegetables. So it is the easiest way you can provide your family with all the nutrition they need. It will also cut down the time you put in making morning smoothie every day. 

Read More