What is the Impact of GST on Your Company’s Working Capital?

The rolling out of Goods and Service Tax (GST) in the country has impacted various aspects of businesses. Here, you will get to know what effects a GST can create on the working capital (WC). However, before dealing with those effects, get an overview of GST and WC.

What is working capital and why is it important? 

WC is the fund available with the company for meeting daily operations. It is essential to have a healthy WC for a business. In its absence, a company may face hurdle in everyday operations.

So, to ensure a business maintains a smooth WC flow, you have an option to borrow working capital finance from top lending institutions. For example – you can avail high amount of Business Loans from Bajaj Finserv to fund the company’s investments. 

What is GST?
The Goods and Services Tax is a new indirect tax regime. Under this, taxes are levied on manufacture, production and sale of goods and services.

How can GST affect your business’s WC?

A business’s working capital is an essential aspect affected by the rollout of GST. The indirect tax has various implications on WC.

I. Enables free movement of goods between states
In the old rule, companies had to maintain different warehouses if they operated in more than one city. It was done to avoid payment of entry taxes for every inter-state transport. However, it required more cash investments in inventory and warehouse.

With the introduction of GST, movement of goods from one state to another has become convenient. It is because one does not need to pay on every inter-state transport. Thus, it affects in two ways:
● Saves on extra taxes.
● Decreases WC investment with fewer warehouses across the country.

II. Change in business expenses
The business expenses of a company depend on the arena of operation and related costs. For example, if you import raw material for manufacturing the end products, you will have to pay a GST of 18%, which is the standard rate instead of the older rate of 15%.
Payment of GST for procuring raw material affects small and medium businesses considerably as it puts a charge on the WC.  Therefore, you need to keep larger WC invested at all times.

So, while calculating working capital finance, take into account the GST factor. You may use the GST calculator for this purpose.

III. Timeline for payment of tax
A business can claim input tax credit on the goods it sells. However, GST is levied on the transfer of stock. It cannot claim the credit unless it sells the stock.

With high GST rates of 18% on certain goods and services, it means you need to keep significant WC invested in your stock until the sale is complete. It creates a time lag. As a result, WC requirement increases.

To know the investment required for current assets, you can calculate the tax amount on the GST calculator available online.

IV. The high price of services
Implementation of GST on services with 18% tax rate instead of older 15% means operating in the service sector becomes expensive. Businesses selling services will have to pay higher taxes every month instead of quarterly as earlier. So, it is imperative to keep regular cash flow as a part of WC. As a result, the investment of working capital finance will increase.

However, if you do not have enough funds to invest in WC, don’t worry. Financial institutions like Bajaj Finserv bring you pre-approved offers on business loans. Here, you can borrow the necessary funds through a quick and easy process.

So, with GST affecting the WC flow significantly, businesses need to adjust and manage their current assets for an efficient day-to-day operation. Use the online GST calculator for more accuracy.

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Tips to Improve your CA Practice Visibility Online

With digital disruption, CAs need to leverage the online platform to improve the visibility of their practice and reach out to a wider audience. With India adding close to 10 million active internet users every month, it’s estimated that each year more than 1.8 crore Indians search for CA services online.

These numbers are enough to highlight the importance of improving and enhancing the visibility of your CA practice online. So, as a practising CA, what can you do to stand out from the crowd and reach your target audience? Read on to find the answer.

1. Crafting a responsive and mobile-friendly website
A responsive website adjusts to the screen size of the device on which it’s viewed. India has a burgeoning smartphone market, with the number of estimated users expected to touch 442.5 million by 2022. According to search engine giant Google, 61% of users are unlikely to revisit a mobile site they had a problem accessing. Thus, as a practising CA, it’s imperative for you to have a responsive mobile-friendly website outlining everything related to your practice.

It’s best to outsource this work to professional web design companies. A high-quality responsive website design from an established and reputed firm could cost you anything between Rs.50,000 to Rs.1.5 lakh or more. This cost can be easily met with Bajaj Finserv Business Loan for Chartered Accountants. With a flexible repayment tenor, this CA loan ensures you get the required funds with minimal documentation.

2. Optimising for search engines
While a website is the gateway to your practice, lack of proper search engine optimization (SEO) will make you difficult to find online. 57% of B2B marketers say that the biggest impact of lead generation is that of SEO. However, SEO is neither a one-time activity nor follows any set formulae. It depends on a number of factors and just like site design and development, it’s essential to hire the services of a professional SEO team.

Roping in a top-notch professional SEO team is expensive and prices can go as high as Rs.5-6 lakh a year. However, the high cost can be easily met with Bajaj Finserv Business Loan for Chartered Accountants, which offers loan amount up to Rs.35 lakh.
This interest rate of CA loan is competitive and comes with a Flexi Loan facility whereby you can withdraw funds as and when required from an approved loan limit with interest being charged only on the amount utilised and not on the entire limit. This gives you the flexibility to use the money as per your requirements and also brings down the EMI.

3. Leveraging social media marketing
The number of social media users in India is expected to touch 370.77 million by 2022. The rising number of social media users provides a perfect opportunity for you as a practising CA to leverage social media platforms to reach out and engage with your prospective customers. It has been found that 71% of customers having good social media service experience are likely to recommend a brand/service to others.

Thus, as a practising CA you must leverage social media to your advantage to connect with new people and inform them about your services. There are various groups on Facebook and LinkedIn where you can meet potentially thousands of new customers. Regular engagement will help you generate new leads. Marketing on social media platforms, too, helps you improve visibility.

Professionals engaged in social media marketing can charge anything between Rs.50,000-75,000 per month to undertake marketing activities on prominent social media platforms. These costs, too, can be easily met with to apply for business loan for CA.

With pre-approved offers on this loan and others, availing finance is hassle-free and quick. Share a few basic details to know your pre-approved offer within seconds.

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A Quick Look at the Features of the Google Pixel 2

Google Pixel 2 is a flagship smartphone from Google that is in competition with Apple. The phone was launched recently in the Indian smartphone market with a good response.

There are some selected audiences for Google phone in the Indian market, and people go for them because they carry a style statement. In other words, just like an iPhone, having a Google Pixel 2 phone is a prized possession more than a phone.

In this post, let’s discuss some Google Pixel 2 features that you may not be aware of if you are making up your mind to purchase the Google smartphone.

A quick look at some Google Pixel 2 features at a glance
● 4GB RAM
● 64 GB internal memory
● 5-inch full HD display
● 12.2MP rear camera along with an 8MP front camera
● Qualcomm Snapdragon 835 64-bit Octa-core processor
● 2700mAh battery
● Android 8.0 Oreo/stock Android version
● Free unlimited storage in Google Photos
● Water resistant

Vital things that you can do with your Google Pixel 2

There are certain things in your Google Pixel 2 that make it different from other smartphones in its category. Let’s know more:

1) Transfer old phone stuff to a new phone in 10 minutes 

Be it your photos, videos, music, apps, contacts, messenger and more; you can just plug in the cord and follow simple instructions on the screen to do the transfer. If you are unable to do that, you can get in touch with a team available 24/7 to help you out.

2) Take brilliant photos 

Google Pixel 2’s cameras are sturdily built and have the highest-rated camera ever, carrying DxOMark Mobile score of 98. It means that you can easily take brilliant photos in any condition. You can also get to enjoy new exposure controls such as Smartburst, helping you take a rapid fire shot sequence.

3) Enjoy unlimited storage for all your memories 

Another vital Google Pixel 2 feature is enabling all Pixel 2 owners to enjoy free unlimited storage with highest photos and videos resolution taken on it. Yes, the Google Photos will do that for you free.

4) Get assistance from Google Assistant

You can just say ‘Ok Google’ and the Google Assistant will be at your service to help you. You need not edit the text message you dictate as the Google Assistant understands you. Hence, you may demand to play a song, YouTube video and enjoy the commands. What’s more, you can also control your smartphone when you say, ‘Turn on night light, ‘Change my ringtone’ or ‘do not disturb’ and the Google Assistant will oblige – no need to go to the settings.

5) Always-on display 

You need not wake up your phone from sleep just to check the time and drain its battery anymore. The Google Pixel 2’s ‘Always On’ display helps you see time and other notifications without waking up your mobile phone.

You can drive into an unlimited digital world only with your Google Pixel 2 and enjoy entertainment, work and more with effortless ease. If you want to buy the Google Pixel 2 smartphone, you can divide the cost into easy EMIs and never feel stressed.

You can buy the phone using the No Cost EMI facility where you would not pay any interest for an EMI transaction only on the Bajaj Finserv EMI Network.

You can walk into a partner store, swipe your EMI Network Card and walk out with your purchase along with 1 million+ other products at No Cost EMI.

Let the shopping begin as you check out your pre-approved online offers right away!

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Rely On Breast Implant Revision Surgeons in Los Angeles For Breast Cancer Treatment & Surgeries

Women who have breast cancer need to take some form of surgery in addition to their breast cancer treatment. Examples of such surgeries are breast reconstruction post mastectomy or before mastectomy, lymph node biopsy, lumpectomy etc. This is where they need the services of professional experts to help them get the right surgery for their needs. A series of medical exams have to be done in order to determine the outcome. Women should bank on experts that have years of experience to give them natural looking results safely.

Breast Implant Revision Surgeons

Bank on credible breast implant revision surgeons in Los Angeles for safe and effective procedures

With credible breast implant revision surgeons in Los Angeles, you will be able to get safe and effective procedures for your needs. The professionals are friendly and compassionate. They will make you feel comfortable so that you can address all your concerns and queries to them without any second thought. Most women are not sure on how they will feel after the breast revision surgery is complete.

Their surgeon helps them when it comes to the treatment, recovery and healing process. For instance, after the breast cancer treatment and healing process is over, you may feel that you need some additional work on your breasts. You may feel that your breasts should be bigger or smaller. This is where you will opt for a breast revision procedure for the above. There are some cases where women are happy with their breast augmentation surgery however they may opt to change their minds at a later stage. This is when they need the expert guidance of a skilled breast implant revision surgeon to help them.

Weight gain or weight loss

Again, weight gain or weight loss has the ability to affect the appearance of your body. Here, you may wish to eliminate the excess breast tissue or add some volume to the size of your breasts. Whatever might be the reason for breast revision surgery, it is crucial for you to discuss with your surgeon so that he or she checks your existing implants and addresses the concerns associated with it. The course of treatment will be personalized for your needs. The objective of a breast revision procedure is to improve the appearance of your breasts. Surgeons have the major objective to make you happy with the outcome. This is why they take time to examine you with medical tests and discuss with you all the possible outcomes.

Talk to credible breast implant revision surgeons in Los Angeles and weigh the pros and cons of the surgery. Make sure you are comfortable with the surgeon who will conduct the procedure. Be free to ask questions and address them as well. You must be aware of the whole procedure and its implications before you agree to go under the knife. Good surgeons are compassionate and they help you with all your concerns. You must be aware of the recovery time and period so that you can schedule your work and other social commitments accordingly.

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How to reduce the chances of prostate cancer coming back

Suppose you are suffering from prostate cancer, the first thing that would you be on the back of your mind is how to reduce it of coming back. Yes a host of things can be undertaken of it coming back. Nutritional supplements, a particular type of diet and regular exercise are some of the tips that need to be undertaken at this point of time. These are some things that you could do which could prove out to be helpful, but more amount of research is needed on the same.

There are no short cuts as far as regular physical activity evolves

Research does point to the fact that people who exercise regularly after prostate cancer treatment in India are more likely to survive. This is in comparison to individuals who do not exercise. Till date no clear benchmark has been set forth on the amount of exercise that is needed, but the more better it works out. At the same time more intensive workouts would prove to be beneficial as well. Though at the same time you would need further follow up on these studies as well.

prostate cancer

Looking at options in order to have and maintain a healthy weight

There are several studies that do point to the fact that you tend to be obese once a prostate cancer treatment is over. But there are no evidence that if you lose weight it does go on to increase the risk or not. Once again you would need more research on this topic

Cut down on smoking

There has been some research that men who smoke have higher chances of prostate cancer coming back. In some cases it could lead to death as well.  There is going to be more research needed to figure out whether if you quit smoking it could lower down the risks. At the same time if you quit there are a number of health effects that could emerge as well.

Dietary and nutritional supplements

There are some suggestions that if your diet is rich in terms of vegetables and low in body fats it could be helpful, but at the same time you might need more research on the same. At the same time if the diet is healthy it could lead to positive impacts on your health. The benefits do outnumber the risks in a considerable way.

Till date there has been no evidence that dietary supplements have gone on to reduce the recurrence of prostate cancer. But on the basis of facts certain supplements like selenium could go on to increase the risk at a considerable level. At the same time in no way it is going to prove that it will help, but none of them have proven to do till this point of time.

There are some restrictions on dietary supplements and most of them do not claim what they state. It is better that you discuss with your doctor if you are planning to have one.

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What is the advantage of unlocking my iPhone 6?

Like any process, when we want to get our locked smartphones into unlocked devices, there comes a time when we have to eventually go through the procedure and start to research the pros and cons. Here we take a deep dive into what the procedure is and how to unlock iPhone 6?

Like any smartphone manufacturer, Apple Inc makes their devices with the intention of selling it everywhere on the planet and for it to be used on every possible cellular network. But since these devices come with the latest hardware such as stellar cameras, great processors and superb security features, users have to pay a premium to afford these devices.

As some of us may not be able to afford the high prices, buying the phone on contract is always considered a wise idea. Because the contract option gives the freedom to customers to pay a month by month fee for the device and not have to worry about shelling out a fortune. The only serious advantage is that you can use the latest devices at a fraction of the price, the disadvantages of using it over contract seems very hefty.

Can you unlock your phone legally?

iPhone 6

Simple answer, yes! The unlocking process is fully legal as long as you have not voided the contract, which means that you have finished the contract period or repaid the remaining amount. Once that part is done, you can get your iPhone unlocked quite easily. You will also not have to worry about any warranty voids or Apple not supporting your device.

In order to unlock your iPhone 6, all you need is the IMEI number and nothing fancy like unlock codes for iPhone 6. The International Mobile Equipment Identity number is unique to every single cellular device on earth and Apple has a list of locked and unlocked phones based on this number. All you need to do is get the IMEI number and give to a website or a service, which has access to the Apple database of all their active smartphones. Here they simply change the status of your phone from locked to unlocked.  

Now coming to advantages part, there are basically two advantages of using an unlocked phone, or unlocking your device; the first is that you can use it all the bandwidths the phone can get a hold of, the second is the bump in resell price. The iPhone can be used anywhere on the planet and supports all major cellular bands, hence unlocking it would allow you to access all the local networks, you can also have multiple sim cards that can be used on the phone. No more sticking to bad tariffs or unwanted plans. For travellers, this is a great advantage as you can now use your device anywhere, while still keeping your old network. The other benefit is the increase in the price of the device; iPhones have the best resell values of any smartphone and unlocking simply bumps it up quite a bit. With these advantages in mind 

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Avail the Best Cleaning Services in Panama City Beach, Pensacola For Your Home

Many people are too busy to clean and take care of their homes. This is where they need the professional skills and services of esteemed cleaning companies to take care of their needs. These companies will step in to provide both weekly and monthly cleaning services so that your home becomes sparkling clean in no time!

Tips to find the best cleaning services in Panama City Beach, Pensacola for a clean home

Best Cleaning Services in Panama City Beach

When you are looking for skilled and professional cleaning services in Panama City Beach, you need to invest time in research. Once you have found the right service provider for your needs, you can always contact the company regularly for your residential cleaning needs. The following are some key tips to help you find the perfect cleaning service in Panama City Beach area-

Read online customer reviews and check testimonials

The best cleaning services in Panama City Beach, Pensacola will have a few positive reviews online. Their customer testimonials will be good as they will have many happy customers for their services. This means when you are looking for the best cleaning services in the region, make sure to check out honest customer reviews so that you get a first-hand idea about the pros and cons of a cleaning service provider in the Panama City Beach, Pensacola area.

Latest equipment and modern cleaning techniques

Professional cleaning companies in Panama City Beach will always use modern cleaning techniques for your home. They are equipped with the latest tools and cleaning substances to get rid of dirt and germs successfully. For instance, when they clean your bathroom, they make sure disinfectants are used so that your bathroom is free from germs and bacteria.

Background checked employees

The best cleaning services will have employees that have been background checked. They have skills and experience in the field of house cleaning. They maintain the highest levels of confidentiality and privacy. This is why they are trusted by their clients and are credible in the region. They maintain top quality services

Professional cleaning services will always listen to your instructions and guidance when they are cleaning your home. They alleviate tensions of home cleaning so that you can focus on more important tasks at work or at home. They always maintain a time schedule so that your cleaning needs are carried out on time with no delays.

Customer support

The best cleaning company in Panama City Beach will provide you with 24/7 customer support. The professionals will assist you with any query or concern you may have when it comes to home cleaning services.

Therefore, if you are looking for professional cleaning services in Panama City Beach, Pensacola keep the above things in mind. You may also contact them to maintain your property. They are experts when it comes to the removal of pet odors, buildup of mold or mildew, removal of smoke etc. You may contact the different companies for a price quote. Compare them and choose the best cleaning company that meets and matches your budget.

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