Now Make Cake And Confectionery Orders Online

An event in your house has got many things to be done and all of them are to be done in a short time. Have you completed all the works there? Two of the things are often forgotten in the pressure of the heavy works. The first one is to order a cake for the purpose of the event and the second one is the order of snacks. You can place your order from the online stores itself. If you are looking for online cake order in Mumbai, there are some of the easiest steps that you will have to follow.

Select the right stuff

Go to the website of the cake company as check out the different cakes, that are there for your event. However, if you cannot find any such cake, suitable for your event, you can make an order for the same, after going through the catalogue. This will support you in the entire process.

Along with the online cake order in Mumbai, you can also go for the online snacks orders too. They are also plenty in numbers and you can choose the most suitable one, after going through the gallery. Once you make the order, just make sure that you are going to get all the stuffs within the time and date.

Wait before paying

The next part of the task will be to select the payment options. But before that make sure that you have properly updated your address in the site. The stuffs will be delivered at that address. So make sure they are in the right pattern for yourself. Finally note the delivery charge and add it up to the total value. If you are having some of the discount coupons, then apply the same, before going for the payment option. After you reached there to the payment section, you have the complete knowledge, how to handle the same.

So, you can well overcome the crisis time, while availing the online cake order in Mumbai. This is 100% safe and you can make the order just a day back, if there is need of least customization, but in case you need the service to be customized, you will have to make it sure that you make the order two to three days before the day of the event. In that case, the work will be sure and safe and you can get the stuffs at your location, within the morning of the program date. If you have got the experience to place the order once, you are definitely not going to the shop from the next time to place the order. This is the service guarantee that you will get from the online stores. Extra discounts are going to facilitate your decisions too. 

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4 Basic Styling Ideas for Indian Men’s Clothing

We all know that Indian Men’s clothing wear has an unmistakable charm attached to it. No matter the occasion, arraying yourself in Sherwani, Kurta Pajama, Bandhgala, Jodhpuri suit, or some such is guarantee for you to be the cynosure of all eyes around. If you are stickler for quality and panache in dressing yourself, then at no cost must you scrimp or make a slapdash attempt at styling yourself. The glut of choices and information on the internet can truly get maddening. But if you look closely, there is a method to the madness.
Here we have sampled a few grooming and styling tips that may just help you to arrive at that next choice of fancy Indian clothing:

• Don’t skimp when it comes to choosing the fabric
  Well, oh, well, the feel of what you wear is of the foremost importance to you as the wearer, and in that endeavour, make sure you don’t cut corners. No matter the intricate embroideries and interesting design patterns and artwork, it is the fabric that gives your sherwani/kurta that distinctive advantage. And mind you, a good looking sherwani is good looking because it feels good to you. Choose from the regal options such as dupion silk, brocade, banarasi jamevar silk, etc.
• Size and fitting
  There is nothing more unappealing than an ill-fitted kurta/Sherwani. It basically sends out a message that you cannot be arsed about how your clothes fit, which is somewhat a reflection of your apathy when it comes to clothing in general. Now that’s not what you want to be perceived as, especially on a wedding night. Try out Sherwanis and see which one is the right mix of ‘comfort’ and ‘style’. If you intend to purchase online, then order for different sizes.
• Choose a color and pattern that complements you
  Any clothing item is only so important as what it brings out in you. What we mean to say is that you won’t want to wear a really amazing and expensive clothing attire which makes you look frumpy and awkward. Firstly, look for something that complements your skin tone. For instance, light-colored clothing, such as Sherwani or Kurta, with intricately crafted embroidery and/or large prints will not exactly be a foil for your body if you happen to be slightly on the healthier side.
• Choose the occasion for your traditional Indian wear
  Indian men’s ethnic clothing wear is such that it brings about a celebratory feel to the wearer. So, by default, Indian traditional wear can make things a tad too larger than life—think about it, the regal Sherwani, Kurta pajamas, bandhgalas, Indo-western suits. So make sure that you wear the right clothing for the right occasion. For example, Sherwani befits a truly celebratory affair, such as a wedding reception or a ceremonious event with a great pomp. However, Kurta Pajama, on the other hand, can pass off as a more casual attire; they are light and have a thinner fabric with little to no design patterns, almost like a dress-down attire. Indowestern suits on the other hand are more contemporary and versatile can be donned on many occasion.

We hope you take into account these tips and find yourself the right thing to wear; remember, it’s not so much about the clothing line being best as it is about what makes you look and feel good. 

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How Gratuity Funds Work?

Gratuity is one of the least-attended or least-understood component of an employer’s salary. The following text provides you the necessary information to help you understand everything about gratuity.

What is Gratuity?

Gratuity is a token of gratitude offered by the employer to an employee for the services provided by him/her during the tenure served in the respective company. It is one of the retirement benefits received by the employee. This benefit plan is defined by the employer for the concerned employee, and is paid back to the employee upon quitting. Reasons to quit the job could be many, such as retirement, switching to another job, or being retrenched by the current employer in the form of voluntary retirement. 

Eligibility

As per the Income Tax Act 10 (10), the employee must have completed full-time service of minimum five years in the organisation and minimum 240 days in a year. 

How it Works? 

An employer may offer gratuity out of his own funds or may approach a life insurance company, such as Max Life Insurance, to purchase a group gratuity plan. If the employer chooses to go with an insurance company, then he/she has to opt for an annual contribution to the insurance company as defined by them. The employee also has the right to make contribution to the gratuity fund if he/she wishes to do so. The payment of gratuity by the insurer is based on terms and conditions of the group gratuity scheme. 

Tax Treatment of Gratuity 

The amount received from gratuity is completely tax deductible under the ‘income from salary’ bracket. Also, the gratuity, whether received by the nominee or legal heir of the employee, is always tax deductible under the ‘income from other source’ bracket. 

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Some Options for Rainy Shoes

With the monsoon season approaching, you tend to notice a dramatic change in people’s attire. Meticulous dressing takes a backseat. Women have to forgo their desire to wear fancy jackets, long outfits, and even their favourite shoes. Almost everyone is reduced to wearing shorts and flip flops. This entails a steep increase of sales for the rainy gear. For most cities experiencing strong downpour every year, large amount of water-logging and minor flooding is nothing out of ordinary.

There is a significant rise in the sale of certain brands. Most people are not comfortable with the idea of flip flops; the best substitute for them is Crocs for Men. Crocs are extremely comfortable, light, and are also trendy. There are various options for colours and patterns available for choice; different patterns catering to different personalities.

Much to their delight, women also get on with a little monsoon shopping spree for themselves. Typically, the ladies sandal section is spurned and much avoided, with most women heading for that dopamine release which comes with buying a pair of shoes. However, of late, with myriads of available options for the monsoon season under the roofs of most retail shops, women are better able to choose from a wider array of footwear designs.

Currently, a few sales breakers in the women’s section include knee length monsoon boots and slick sandals. Many take a fancy to perforated ballerinas or designer resin chappals. Some women even seem to choose the fashionable unisex crocs. Still, the first choice of the Venusians continues to be the monsoon sandals, which seem to appeal to both elements of utility and aestheticism.

Thus, with such a plethora of footwear on the shelf to choose from, you can say that people are even spoilt for choices.

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Investment Planning: A Core Part of Planning your Future

In the business world, “the rear view mirror is always cleaner than the windshield.” This popular saying was said by Warren Buffet and is a direct indication of how important financial planning is for predicting the future.

Investment planning is very important for any individual so as to get the most out of the investments that they make. Investments are financial goals which people have, similar to their personal goals with the only difference being that there is a financial cost that is attached. Failure to plan for these goals efficiently would probably mean that you, as an investor would be most unlikely to accomplish the goal.

There are various investment plans that are available in the market for investors to use, whether for high-risk investments or for low-risk investments. While high risk investments are known to carry a high amount of risks with them, they also have a greater potential of earning higher returns when compared to low risk investments. Many investment plans are offered by mutual fund companies in the country. It is easy to browse through the wide variety that is available online.

These plans are directly linked to life insurance plans that people purchase to financially safeguard their future. There are many life insurance companies in India, which are known to offer life insurance plans, investment plans and savings plans; so as to help a person meet their various financial objectives and goals.

People can also compare the different plans that are offered by different providers all on a single platform to help them make a sound decision about the policy that they want to purchase.
It is important to remember that investment is always a long term game. It is very important to have a well-defined goal, before-hand. After one has their goal defined, it is easy to choose the financial instruments that need to be invested in, so as to meet the decided goal. It is always wiser to have one’s investments spread out across different assets like equity, cash & bond so as to reduce the amount of risks.

So, if you are yet hesitant about your investments, it might be a good idea to meet a financial planner who will help you plan your investments.

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Cloud Networking: Extremely Fundamental to Cloud Computing

In today's fast-paced times, where i-pads, i-phones, MacBook's (Pro and Air) are becoming extremely popular as the 'new-age' computer devices, the terminology the 'cloud' has become extremely popular. However, what is this cloud that is constantly being referred to? An abstract term, the cloud is not a physical object which can be touched or felt. It is a network of servers, where each server has a different function to perform.

 For instance, if a person takes a picture using their Smartphone then the image is stored in the phone’s internal memory. However, if a person uploads the photo on Instagram, then they are uploading it on the cloud. In short, the cloud refers to a network of servers. While there are certain servers where which provide online services such as Adobe Creative Cloud, there are others which allow a person to store and even access the data, such as Dropbox or Instagram.

In most cases, people access the cloud daily, through the Google Drive, or SkyDrive to even iCloud or Evernote whenever they want to store information without making use of the internal storage of their phones. They instead can store their information on the cloud. By making use of the cloud, it offers people a tremendous amount of convenience and reliability. People are also less likely to lose data from the cloud.

The cloud network is extremely fundamental to cloud computing. Cloud networking essentially refers to the paradigm for building and managing secure private networks over the (public) internet by making use of global cloud computing infrastructure.

Thus, in cloud networking the traditional network functions as well as services which are inclusive of security, connectivity, control and management are pushed towards the cloud and delivered as a service. There are two main categories of cloud networking.

 These include Cloud-Based Networking (CBN) and Cloud-Enabled Networking (CEN). While Cloud-Based Networking (CBN) moves all of the core networking functions such as the actual packet path and addressing into the cloud and ensures to eliminate any need for local hardware (other than that which provides for an internet connection), Cloud-Enabled Networking (CEN) refers to the management and movement of only specific (certain) aspects of control (such as policy definition) into the cloud. However, it keeps packet-mode functions such as switching, routing and security services (local and in hardware) and connectivity.

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Compare Term Insurance Plans Online

Life is the most precious gift that has been given to us and it would be impossible to put a price tag on a person. However, financial security and protection is an absolute essential in today’s time and age where there are risks waiting at each and every corner. Life insurance, one of the most common types of insurance packages are known to provide the beneficiary with a certain designated amount at the event of the death of the person who has been insured.

There are many types of life insurance products available in the market, ranging from whole life plans, endowment policies, limited payment policies, double endowment policies, etc. However, term insurance plans are the most popular ones that are availed by millions of people across the country.

So, what is term plan?

Also known as term assurance, it refers to that life protection providing a person with a coverage amount for a specific period of time (fixed tenure). After the policy expires though, the policy is of no value until it is renewed. These policies are known to offer the most value for money proposition. However, when choosing these policies, it is very important to pay attention to the claim settlement ratio. It is easy to find information regarding the various claim settlement ratios that are offered by term insurance providers, according to the IRDA (Insurance Regulatory and Development Authority) of 2014.  

Purchasing these products online has become a very popular method for people since the past few years.  People are able to compare term insurance plans that are offered by different insurance companies, all on a single platform. This helps them make a wiser decision when they decide to purchase a policy.

This is one of the most beneficial aspects of purchasing a plan online. People are able to gain a deeper insight about their prices in the market. They do not need to physically visit each company to find out the price. All they have to do is conduct a bit of research and they can compare policies.   

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Online TV Quizzes to Tease Your Brain Regarding Hindi Serials

Hindi TV shows are popular across the country. Besides the regular ‘saas-bahu’ (mother-in-law and daughter-in-law) shows that are shown that dramatize family politics, there are also many other popular genres such as reality shows, drama shows, romantic series and even comedy soaps. There may also be a mix-match in various genres as well. However, one thing remains constant and that is the constant curiosity that Indians have regarding the various TV shows that are telecast.

Many of the channels that telecast these shows have their own websites, where people can participate in online quizzes and polls to test their knowledge about the various series. Ardent followers of popular shows such as Devon ke Dev Mahadev, Mahabharat, Jodha Akbar, etc. are most likely to participate in these quizzes. They test the knowledge regarding the happenings of various shows and may have questions that have multiple answers, where a person can choose the correct one. Usually these online quizzes do not have a time-frame. After submitting all the answers to the online test, one can find out how well-versed they are with the TV series.

These TV quizzes can tell a person how much they really know about their favourite shows and also how big of a fan they are. There are plenty of online tests, quizzes and polls, where people can put their knowledge to use. These can be found for almost each Hindi TV show that is telecast on Hindi TV channels.

Besides the websites of the various Hindi channels, many portals where people can create their own quiz. All they have to do is enter in their personal information such as their name, email ID’s, a picture, category of test, and submit the questions and the poll answers.

So, tease your brain a bit and take part in these online tests to find out how much you really know about various Hindi shows. Whether it is Nadaan Parinde, Gustakh Dil, Welcome 2 – Baazi Mehmaan Ki, Do Dil…Ek Jaan, Savdhaan India @ 11 India Fights Back, Kaisa Yeh Ishq…Ajab Sa Risk Hai, Devon Ke Dev…Mahadev, Ek Boond Ishq or Tumhari Paakhi find out how much you are well-versed with about the show.

Not only are they a great way to pass your time, but are also fun to do. Besides finding these quizzes on the various websites of Hindi TV channels online, it is also possible to find these polls, games, contests and quizzes on different Hindi entertainment portals that are dedicated to their TV series.
They are free of cost and one does not have to invest any money while participating in these quizzes.  Many of these online quizzes involve winning many prizes as well. They may be in the form of money or could also be freebies as well. There is also an option for many Indians to sign up to participate in upcoming quizzes as well. These tests will be delivered to their personal email ID’s that they have provided. So, go ahead and tease your brain!

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Online Shoe Shopping: A Convenient Way to Shop for Shoes

Want to go shoe shopping, but avoid the hassle of having to travel to various malls or stores? Don’t worry, in today’s digitised era, you can shop as much as you want for almost every type of shoe from various websites and online portals. Doesn’t that sound absolutely wonderful? With just a few clicks of the mouse, you can purchase them and make your payments online, where your delivery will be shipped to your house, most often free of additional charges!

Online shoe shopping has helped men and women lead extremely convenient lives, where if they lack the time to visit a store, they can always browse through the wide collection of footwear online and make their purchases. Working man and women find this option to be an extremely useful technique or style of shopping, where they do not have to go out of their way if they want to buy a new pair of shoes or sandals.

Not only can they browse through the wide variety of formal, casual, ethnic and sports footwear that are available, but they can also shop for different shoe accessories online. From laces, polishes, brushes, insoles, etc. there are many accessories to choose from online. Sizes are also available for people as well, and if a particular pair does not fit a person upon delivery, they have the option to exchange it for one that does.

People browse through a wide variety of footwear of various brands, and also search for ‘exactly’ what they are looking for, without having to search very far. By entering ‘certain keywords’ one can get a variety of footwear to match the type. There are absolutely no crowds or queues that one has to go through. So, impatient shoppers have a benefit over here. The websites of various retailers are open 24/7, so there is no fixed time limit when a person can shop online.

This is unlike visiting the store where there are fixed timings when the shop opens and closes. It is extremely easy to compare different footwear online and also read reviews that have been written by other people, before one decides to buy a pair. One of not restricted to one’s ‘geographical location’; they can browse through a wide variety of that is available from any part of the country, and have them delivered to their residence. Very often, the prices are often cheaper online and there are also online discounts that are periodically offered as compared to the when shopping in stores.  

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Fixed Maturity Plans: Better than Fixed Deposits?

When it comes to making investments, investors have to be extremely prudent about where their funds are going to be kept. Which financial instrument would be a better option than the other for both short-term and long-term goals? Fixed deposits have been known to be the top most favourite amongst investors for long term investment. However, this is wrong!

Fixed maturity plans (FMPs), launched by various mutual funds are known to give higher and better returns than Fixed Deposits. So what are fixed maturity plans (FMPs)? Known to be closed-ended Mutual Fund schemes, which have a pre-defined maturity, these investment options have their primary objective to generate steady returns over a fixed period. This period may be from one month to even five years.

They are a mutual fund scheme that has a maturity date and the fund manager will invest in different bonds or other fixed income instruments that mature before the maturity of the scheme. It is very similar to a fixed deposit, but it is not the same. Although they don’t ensure guaranteed returns, or offer liquidity of the schemes, there is the possibility of earning tax free returns that are due to double indexation benefit (which is available for some FMPs). There is a minimum interest rate risk and credit risk, making it a preferred option for most fixed income investors.

The investments made in FMPs are known to mature before the maturity of the scheme. Therefore, there is no interest rate risk that investors have to be exposed to. The very fact that these investment options are tax-efficient automatically makes it a better option, where returns are higher.  However, premature withdrawals are not permitted as is the case for bank Fixed Deposits. Bank deposits are also known to come with deposit insurance (for a holding of up to Rs 1 lakh); there is no such similar facility for FMPs.  

FMPs are especially known to shield (protect) investors from the fluctuations in interest rates by investing in a portfolio of debt securities. Some of these include debentures, certificates of deposits and commercial papers. Their tenors have to match that of the scheme. At the end of the FMP term, these securities can be redeemed. For instance, these funds are good only if the investor will remain invested until the time of maturity. If an investor cannot do that, it might not be a better option than fixed deposits.

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Do you need a Certified Financial Advisor?

In today’s world you really don’t have to be an all-rounder or be well versed with everything. The internet is always there for your rescue. But if you come across agendas where the internet also cannot be of great help, there are consultancies for various purposes. These consultancies provide you with an individual who is well versed with an area you might have difficulty with to make it a cake walk for you.

Finance is a tough nut for me that I really cannot avoid in the long run. It is not enough to earn the right amount of money alone but is also very important to plan the right kind of savings all together. Well if you happen to face the same issues, than have you heard of certified financial planner?

As the name suggests a certified financial planner is someone who is well versed with the finance scenario inside out and is certified to guide others with the same. To be more precise, he or she is a financially qualified investment professional who is trained to help individuals and organisations in achieving their financial goals. The goals could be long term or short term. They at times may even help you with defining financial goals for many.

Things that need to be taken into consideration when closing on a financial planner. It is very important to at least go across thoroughly with three financial planners before you zero upon any. The personal also needs to hold his or her set of credentials. If they are able to give you references with respect to their clientele and work profile it is nothing like it.

Since it is a service it surely comes with a bill to be paid, so completely be well aware of the fees that shall be incurred from you for the services you are experiencing from them. And lastly the many features they shall include in the amount of money you shall be paying them.

So next time you fall short of financial knowledge you know whom to refer to.

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5 Tips to Tap a Profitable Day-Trade

Financial instruments are designed to offer monetary gains. One such instrument, which offers substantial amount of financial gain, is stock. Stocks are units of ownership offered by companies to investors. With each share, you own a certain amount of stake in the company.

The movement of share prices is highly driven by speculation, financial news, upcoming deals, and vital information related to company’s whereabouts. Based on this movement, you either end up making a profit or breaking a loss. The people who harness the power of these movements on daily basis are called as day-traders.

Day-traders are individuals who play in share market live for a particular day. If you want to day-trade, then take a look at these 5 tips, which will help you to grab profit by the end of the day.

Tip 1: Get Trained Under Professional

Just because you know how share market works and have punched some profitable deals in the past, you don’t become a day-trader readily. This practice is an art which requires you to learn the hidden aspects of the markets and trade.  Always work under or with a professional before venturing solo into the market.

Tip 2: Hold stocks only for minutes or hours

You do not need to hold stocks till the end of the day, or the next day, in order to make a profit. Move fast and you will certainly explore opportunities.

Tip 3: Don’t jump with the sight of slightest profit

You can profit with stock trades only when you have taken care of brokerage and other expenses. Online share trading in India comes with brokerage fees. Finalize the deal only when all the expenses are covered.

Tip 4: Stick with Your Plan

Do not get influenced with changing numbers or charts. Always stick to your plan to tap assured returns.

Tip 5: Don’t get emotional with Money

Don’t allow your emotions to build up with every trade. Always keep a clear head while trading.

These five tips will surely help you to tap profits in day-trade.

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A Gift For That Kind-of-a-Stranger

Everyone loves receiving gifts and the whole feeling of someone appreciating your efforts you have taken to pick that special item also gives an equally divine pleasure. But what if the gift is to be given to an individual you aren’t much aware of? You really aren’t well versed with any of that individuals attributes to define a perfect gift for the person.

Well worry you not, bringing to you a list of items you can fetch out of any shopping deal to give that kind-of-a stranger.

• Books :

One doesn’t need to be an avid reader to enjoy a good read. There are surely some classics you can pick from the shelf but the latest crop of Indian authors is there with some real engrossing piece of write ups. So pick one and help them to start up their own book shelf if they haven’t started any.

• Flowers :

There is nothing as invigorating as a bunch of fresh flowers. A person of any characteristics will warmly embrace this gift of yours provided he or she is allergic to flowers! This is one of the few best ideas that never fail to create the required magic.

• Photo Frame :

We all love to cherish our own sweet memories. And how about if we can freeze them around us or carry them handy wherever we go. A photo frame quenches all those needs of yours. So go and pick one that catches your fancy.

• Chocolates :

Now there are many who do not really have any affinity for chocolates or at times have their own preferences for them. You can always think of a box of assorted chocolates; milk, dark, Swiss, alcoholic or even dry fruits. There are a lot of variants available in the market. 

• Gift Card :

And after so much of brainstorming you yet aren’t able to decide over anything. Then the latest trend of gift cards can always come for your rescue. It makes it for a real easy option, saves a lot of your time and doesn’t even involve the agenda of choices or dislikes.

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Best Investment Policies for 2014

The new financial year is about to begin and we are already planning how to go about this year with regards to our finances. A list of investment schemes you can channelize your money in.

2014 have begun and we are on our verge to wrap the financial year and begin a fresh new chapter into our own account books. The plans have already begun and for the once who are yet pondering over how the investments should be channelized here is a list of policies you can invest in.

For 2014 in India the best investment schemes mainly comprises of PP Funds, Fix Deposits, Insurance Investments, NSC and Mutual Funds. There are some high end options as well one can make their investment in such as Real Estate, Stock and Equity investment, Gold & Silver investment and NRO fund investment.

Public Provident Funds

PPF is a good option for securing your money for future use. The major reason to opt for this scheme is for the returns it comes with especially for people who fall under the 30% tax bracket. The rate of interest for the returns is as good as 9%. However the investment tenure can be as lengthy as 15 years. But then the good returns with no major risk involved the high tenure can be overlooked upon.

Fixed Deposits

It is probably amongst the most favourite investment avenue in India. The major reason being a reasonable amount of returns with the money locked in safely. The tenure of an FD ranges from 15 days to 10 years. The rate of interest differ from the financial organisation you opt for however on an average a non-senior citizen can acquaint a rate of interest up to 10%. The rate of interest is a little higher for people who are above 60 years of age. The best part about this plan is one doesn’t need to worry about the investment made until the date of maturity. 

Insurance Policy

The best feature of this avenue is that they make you avail of profits that are completely risk free. There are a variety of types that provide different kinds of coverage. There are many insurance houses you can opt for to make the necessary purchases.

Mutual Fund

If you desire to enter the stock market but aren’t really ready to risk your investments with the fluctuations that happen in the market than mutual funds is the best option one can consider. If you create a diverse portfolio comprising of limited investments it can help you generate high returns. It also helps in reducing the risk factor and avoids complete loss with your investments.

National Saving Certificate (NSC)

With tenure of six years and the ease of Government subsidies it happens to be one of the favourite investment plans of people in India. A nominal amount of Rs 100 is even enough to get started with NSC. The rate of interest for NSC is 8% which is calculated twice in a year.

Investment in Gold & Silver

In 2014 opt for silver than gold the reason for it being the appreciation in gold returns is that in parallel with the rupee appreciation. However for the once who cannot think beyond gold for an investment should opt for about 5% to 10%.

Real Estate

It has always been the hot option for many investors. But the ever escalating price of property rates has even made it tough for the rich to give it a shot. It is therefore advisable to not venture in to real estates in the year 2014.

So get set and begin your financial year on a good note.

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How important is the latest NAV to your Investment?

Known to reduce the amount that an investor gets the fees that investors have to pay play a very important role in the amount of returns that are received. This may include different charges such as transaction fees, sales charges, account fees, etc.

Investing in mutual funds is known to be the most common form of investment that is made in the stock market.

Some of the different types of fees and expenses that are involved in the same include:

1) Sales charges

There may be a sales charge which is imposed when either purchasing or selling different securities/units of a share of a particular fund. There are different types of sales charges which may include front-end load or initial sales charge (ISC), back-end load or deferred sales charge (DSC), low load or low sales charge (LSC) or even no load.

2) Transaction fees such as switch fees or short-term trading fees.

3) Account fees such as registered plan fees or minimum account balance fees.

4) Fund expenses such as the fees or expenses that a fund contributes to be deducted from the fund’s assets before the returns are calculated or even published.

This may also include management fees, operating expenses (or even fixed administration fees), trailing commissions such as those paid from management fees, trading costs or even incentive fees.

    

Management fees as well as operating expenses (MER): All of the operating expenses or management fees are known to contribute to a fund’s management expense ratio, which is also known as MER. This can range from 1% to 3%.  These fees are known to include overseeing the fund, the hiring a portfolio manager to make the investment decisions and hiring of other company/companies to assist in the administration of the fund.

The operating expenses include expenses such as legal fees, audit fees, bookkeeping and administrative fees, audit fees and marketing costs.

These funds all have a net asset value (NAV) which refers to the market value of the fund’s holding without adding the liabilities of the fund (net liabilities). This value is computed at the end of the day. There are certain funds which are known to compute their NAV’s more than once time per day.  Their turnover rate is known to be an indication of the ‘volume’ of the particular funds securities trading. It is easy to find out the latest NAV online from the website of a particular financial company. There are plenty of trading portals which are also available online where people can perform their different trading activities.

There are many different advantages of investing in different types of mutual funds. Some of the different advantages include increased diversification, daily liquidity, professional investment management, ability to participate in investments which are available only to larger investors, convenience and service and ease of comparison.

When investing in these types of funds there is a tremendous amount of flexibility as well as funds to choose from. Some of these may include equity funds, balanced mutual funds and bond funds. 

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Finance Calculators: All Your Finances Organised

Personal finance is yet to see the day light in high school or college academic courses. It is a real tough deal to manage yourself with the world of finance in the real world out there. It is a misconception that understanding and dealing with finance is not a cup of tea to all. Well all it takes is a little in depth reading of the subject and the best part is you do not necessarily be good in maths.

Savings is an important act but it is equally important to keep a track as to how are your savings really doing. Are they yielding the right returns? There are many tools to calculate it. The financial calculators are of many types and purposes; mutual fund calculator, budget calculator, pension calculator to name a few. It’s a computerised program to calculate the instalments one might have to pay for a certain amount of principal amount over a specified time period.

However there are many types of finance calculator. It helps in giving people a better idea about their financial transactions, keen on making any sort of a financial commitment. Here is a list of some calculators with varied purpose.

Budget Calculators: This is a simple program meant to give you a better idea about your monthly expenses. The take in account your monthly expenses and define you a monthly budget. It is more commonly used to figure out the gross monthly expenditure of an individual what would be the disposable income.

Pension Calculators: People on their verge to plan retirement or invest in a pension plan, this calculator are of a lot of use. They are pre-programmed with current interest and inflation rates.

Mortgage Calculators: Specifically targeted to calculate home loans and mortgages.
They take into consideration property tax, home value and even your credit profile.

Tax Calculators: It takes care of calculating the amount of tax you will be paying in a given period of time. It takes into account your tax bracket, current tax rates, rebates and your age.

The financial calculator has become a regular feature on the websites of investment companies, credit providers, banks and other financial resources online. Some advertisements also showcase loan calculators in them. You will also come across them on weekly financial blogs. A finance calculator is very much of a helpful tool for those stuck with their office work, or simply couldn't gather the time to visit a loan consultant or other financial advisers. You may soon come to realise that it is more of a preferable option. Try out a financial calculator to see how it helps you to make your financial future more planned and organised.

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Term Insurance Plans - Best way to channelize your Investments

Ever heard of “Life is too short to have any regrets”. Well it is so true with investments. If not well planned and not well pondered upon can be a terrible decision made with no time for regrets. So it is always better to have your investments well planned and channelized.

There are no best financial products be it mutual funds or insurance. They may be best today but not yield the same results when you need of it. A few pointers for a smooth sail in term insurance plan.

·         Claim Settlement Ratio: The most important factor for selecting any insurance policy including term plan is claim settlement ratio. The main purpose of buying a life insurance is to secure our family financially with as an assured amount is expected. But for some reason if it gets denied then the whole purpose is in vain. So it is always better to have a thorough check then be sorry.

How to reduce chances of claim rejection?

There are 90% chances that you have called the agent for buying your term plan. But allow the agent to play the checker alone. Do double-check to each and every form that you fill. Do not hide about your vices, be open about the fact that you drink or smoke. Also disclose your medical history if any, even if you feel it’s small. Mention about your other insurance policies with other companies.

If you take care of the following points there is very less possibility that your claim may get denied.

·         Reputation of the company: There is no defined pattern as to decide over the reputation of a company. However it all depends on two factors being the financial health and your past experience. Therefore it is a very subjective agenda and changes time to time but still can be considered to increase your confidence. Or the other way round to think of it can be, that you have 12 companies offering good insurance policies but you aren’t sure of two of them, so you can eliminate two from your list of preference.

·         Low Premium: A lot of people think this criterion of least importance however it is of utmost importance. This should be considered once you have shortlisted policies based on the above two mentioned pointers. Online term plan have become a huge hit with insurance buyers in the past two years, with an easy access to many finance tools such as term insurancepremium calculator. It seems that every 18 minutes an online term plan is bought in the country. The seven life insurance companies that offer such term plans have issued more than 14,500 policies with a combined cover of roughly Rs 9,100 crore, over a span of six months. For an underinsured country like India the large cover offered by online plans is good news. 

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The Love Affair Between Girls And Their Shoes

Dressing up has always played a very important part in your life. When you were a child I am sure that you would spend hours dressing in your mothers outfits and look at yourself in the mirror, to make sure that everything was just so. You often dreamed of the day when you grow up and you will be able to have a whole collection of outfits of your own.

This came gradually, with the first step being a pair of high heels shoes. Sure in retrospect the heel was not high at all, but for a young child it was a dream come true. You would walk around with great pride and would want to wear them everywhere. If you had your way, you would even wear them to sleep!

As time passed, you grew older the next goal is to start using makeup. The hours of pretend finally came into use and you start applying eye-liner and lipstick, to make sure that you look your best every time you have to make an impression. At his point, it is time to start developing your wardrobe to make sure that you don’t just have one dress, but rather a whole collection to choose from.

It is also equally important to build up your collection of shoes, as well. There are a number of different styles and designs, which are just waiting for you. All you have to do is make the purchase. Shoes in India include a variety of different brands, which will leave you looking absolutely stunning.

This includes the all-time favorite, pumps which are available in every color and design imaginable. This is a simple heeled shoe, but somehow designers manage to innovate it in so many different ways, that you cannot help but make a purchase.

Another good option is the kitten heel. Sure this is not the dreamy six inched heels you have always wanted to own, but it is not possible to wear something that high when you are on your feet for hours. The kitten heels are a good option for working women, as they allow them to be comfortable and still look classy.

The current fashion trends are swinging towards wedged shoes. This is a comfortable option, which looks stunning. There are more than a few options available at the moment as the demand for this shoe has suddenly gone through the roof. Buy women shoes now to make sure that you get a good price for an amazing looking pair, which will make you feel incredible.

You collection is not complete until you one a pair of elegant stilettos. These thin heeled wonders, works in your favor to make you figure look amazing while highlighting your legs and making them look long. So what are you waiting for? Get started and start building your collection of shoes today!

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Car Loans - Making Childhood Dreams Come True

There are some things which people dream of owning from the time they are young. Ever since the day you raced cars on the kitchen floor as your mother made dinner, you have always dreamed of owning a vehicle of your own. This is something which is completely yours, from the colour of the exteriors to the awesome stereo that will blast all your favourite tunes.

However, a car with all these details and customizations could be very heavy on the pocket. Thus, it becomes important to start saving well in advance, so that one day you will be able to purchase this unbelievable asset. This being said, saving the entire cost of the vehicle will take a good amount of time.

A more reasonable option would be to save enough for a down payment of a loan. Thus, the amount to be saved will be reduced significantly, as will the waiting period. However, before applying for a loan, it is important to compare the rates available. This can be done by going through all the options in the market.

There are a number of deals which give their customers maximum benefits by making a loan offer for the purchases, which have been made. This can be very convenient and in addition to this, they offer a number of add-ons, which may seem like the cherry on top of the cake. However, it is important to compare the most basic clauses of a loan without considering the add-ons as they are not necessary.

If convenience is a major factor, you can take comfort in the fact that the process of applying for car loans has been simplified significantly. Both banks and financial institutions go out of their way to make the documentation as easy as possible. They even send representatives to your residence, to make the process as easy as possible.

The eligibility criteria, has also been stretched in order to allow more and more people to apply for the same. So much so that many financial institutions do not even need a down payment to be made in advance. In addition to this, the processing fee is also wavered if you opt for a fixable interest loan.

This option may be a little risky as the rates on to be paid as interest change, according to the market fluctuations. Hence, they can be profitable if the rates are expected to fall in the future however, it is a risk which you must be willing to take. A safer and more reliable option is the fixed rate of interest, which remains the same irrespective of market conditions.

In this manner, you can easily apply for a loan and enjoy all the joys of driving around in the city in a car which is your own.

Best Seller Cars in 2013 from pritb2

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3 Common Skin Diseases and Effective Cures

Nowadays, people tend to live a very fast paced life. There are a hundred different things which must be done in a single day and people are constantly stressed out about not meeting deadlines. Eventually, this tends to affect both the body and the mind, resulting in a number of illnesses. This is the body’s way of saying that it needs a break.

The symptoms of the same can be in the form of respiratory disorders, illnesses or even skin problems. A recent study showed that more than half of the population of India suffers from some kind of skin illness or the other. In order to avoid this, it is important to be aware of your body and the various changes which may occur.

Accordingly, you will be able to identify a problem as and when it occurs. Here is a break-down of the skin diseases types so that immediate steps can be taken, should they occur on any part of the body:

• Eczema :

This is a condition where the skin becomes red and inflamed. Large patches occur on the affected regions and they are usually red and scally. The first symptom of the illness is the itchiness. The affected region begins to itch long before the patches occur.

• Psoriasis :

A person suffering from this condition will experience red plaques covered in silvery scales. In commonly occurs on the scalp, knees, elbows and lower back. The condition usually starts with small patches and then progressively gets worse with time. It causes a person to be itchy and uncomfortable.

• Rosacea :

This, causes red parches to occur on the nose, cheeks, chin and forehead. Over time, the redness tends to increase and progressively gets worse. It may eventually results in bumps and pus-filled pimples thus affecting a person’s appearance. 

In most of these cases, the exact cause of the problem is difficult to identify. Thus, it becomes difficult to narrow in on the best form of treatment. There are various different steps, which can be taken to bring the problem under control. 

This includes applying of a number of different ointments and creams. And making note of the things you eat, as in some cases the problem is triggered by foodstuffs. If it persists it would be best to visit a doctor and take his advice on the best form of treatment.

The homeopathy cure is also extremely effective as the medicine is custom made for a particular person. Thus, the doctor will take all the symptoms into consideration and prescribe the best line of treatment, accordingly. 

No matter what you choose to do, it is best to take preventive measures as soon as possible, to make sure that the problem does not get out of hand. 

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