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  • December 12, 2015 04:55:38 PM
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Blog Guru is a new platform for Blogging to read blogs on various categories. It is the best place to explore the trending blogs and news that can be suitable for sharing and commenting. With the new features we are also providing the Guest Post Blog.

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Investments Options That Are Safe Even After Coronavirus Outbreak

Investments Options That Are Safe Even After Coronavirus Outbreak  The present chaotic scenario triggered by COVID 19 pandemic has challenged the economies around the world. With the spread of the virus, the perils to the economy is rising by making the financial safety, a growing concern. The economies are still striving to overcome the financial […] The post Investments Options That Are Safe Even After Coronavirus Outbreak appeared first on...

Investments Options That Are Safe Even After Coronavirus Outbreak 

The present chaotic scenario triggered by COVID 19 pandemic has challenged the economies around the world. With the spread of the virus, the perils to the economy is rising by making the financial safety, a growing concern. The economies are still striving to overcome the financial repercussions caused by the coronavirus outbreak. However, the investors are contemplating the next move to keep their further investments safe. As the stock markets and other financial giants are having a hard time now, being aware of the other more reliable investment options is crucial.  

If you are confused about where to invest your money during COVID 19 pandemic, here are some options to choose from.  

Fixed Deposits – In these uncertain times, a fixed deposit could be a safer option for investing the funds. Fixed deposit assures you returns even when the financial sector is grappling with the hardships caused by coronavirus. Fixed deposits are popular for its attractive option of providing a fixed rate of interest. As FD’s are not prone to the market volatility, you don’t have to face the risks of your capital loss. Additionally, even the new customers who want to open an FD account can enjoy the perks of the flexible interest rates. By opting for a Fixed Deposit, the investors can plan their investments using an FD calculator before starting the savings. You can also choose Tax Saving Fixed Deposits if you want to claim more tax deductions.  

National Savings Certificates or NSCs – While the whole global economy is facing hardships together, another safer investment option you can choose is the National Savings Certificate. Being a government-backed initiative, it is a long-term savings scheme, which is a safer option during uncertain times. The plan offers attractive interest rates and tax benefits under section 80C of the IT Act. You can claim the tax benefits on a maximum investment of Rs 1.5 lakhs.  

Life insurance – Life insurance is also considered as a secure investment option during hard times. Insurances are requisite, even after the pandemic, as most of the insurers will be targeting for a long-term goal. The regular premium paid towards life insurance plans is eligible for tax deductions. Importantly, as life insurances are long-term plans, it is susceptible to economic swings in the stock market.  

National Pension System (NPS) – In times of financial crisis like these, NPS can act as a safer option for investments. As NPS is designed for retirement planning, you invest for a long term, and hence the investment will be stable. The subscriber chooses his investment plans for NPS in the beginning, and it sustains as it is for a long term.  

The post Investments Options That Are Safe Even After Coronavirus Outbreak appeared first on blog-guru.


Critical Illness Insurance for Hypertension Patients

Critical Illness Insurance for Hypertension Patients Hypertension, or high blood pressure, is one of the most prominent lifestyle-related ailments in India. Over 300 lakh people in the country suffer from this disease, and stress is often the cause of it. Our hectic schedules make it difficult to manage the condition as modern living comes with […] The post Critical Illness Insurance for Hypertension Patients appeared first on...

Critical Illness Insurance for Hypertension Patients

Hypertension, or high blood pressure, is one of the most prominent lifestyle-related ailments in India. Over 300 lakh people in the country suffer from this disease, and stress is often the cause of it. Our hectic schedules make it difficult to manage the condition as modern living comes with its own set of challenges.  

High blood pressure affects the blood vessels of the kidneys and reduces their smooth functioning. Moreover, it may affect the normal working of your heart. Therefore, you must manage this ailment to prevent the onset of other health conditions such as stroke, memory troubles, dementia, and the like.

Why do you need health insurance for hypertension?

When it comes to hypertension, you may need frequent doctor visits and a lot of medications. So, treatment costs can be high. In the case of hospitalization, paying admission fees and other expenses may severely impact your financial condition. Comprehensive health insurance for hypertension can ensure that you do not pay for these charges out of your pocket. 

If you are the primary breadwinner of the family, you would not want to compromise on the quality of the treatment. A government hospital may not provide the best care. Conversely, inflation may make it financially difficult to seek top-class treatment in a private facility. This is when a health insurance plan gives you the peace of mind and monetary support required to manage your hypertension.

Critical illness for high blood pressure

A regular health plan may not cover the expenses required to treat your ailment. Including critical illness insuranceas an add-on to your health policy will help you combat the exorbitant treatment costs and medical bills. In this type of insurance policy, you:

Get a lump sum benefit on diagnosis 

Can avail of benefits over and above the cashless health  insurance plan

May use the money for: 

Covering treatment expenses, care, and recovery

Paying existing loans

Replacing the loss of income

Adapting to any lifestyle changes that may become necessary due to the illness

It is recommended to buy this coverage at an early age. Doing so can decrease the premium and cover the ailment costs as soon as it is diagnosed. Several insurers provide varied critical mediclaim insurance plans, so research the different options available before choosing one.

Review various factors like the waiting period, inclusions and exclusions, and terms and conditions to make the right choice. Go with a plan that suits your requirements, current health situation, and budget. 

The post Critical Illness Insurance for Hypertension Patients appeared first on blog-guru.


4 things that every home loan borrower must know

4 things that every home loan borrower must know Your dream home is an outcome of months or years of planning. From choosing the right property to making deals and clearing legal hurdles, organizing a master plan for your home can be exhausting. To impart life to that dream, funds are also necessary. But, with […] The post 4 things that every home loan borrower must know appeared first on...

4 things that every home loan borrower must know

Your dream home is an outcome of months or years of planning. From choosing the right property to making deals and clearing legal hurdles, organizing a master plan for your home can be exhausting. To impart life to that dream, funds are also necessary. But, with the escalating real estate costs, it has become nearly impossible to buy a home only with personal savings. Investing in a home is a lifetime deal, and a home loan is the best option one can take to do it. No matter if you’re applying for a home loan for the first time or have experience before, you should keep some essential things in mind to ensure a smoother process.  

Here are four things that every borrower must know before availing a home loan.  

Types of interest rates – To get the appropriate housing loan in the market, you must have a clear understanding of the interest rates. Most of the banks offer lower interest rates on their home loans. Compare these interest rates and choose appropriately. Furthermore, you need to understand the various types of interest rates on home loans and their characteristics. Fixed rates offer you a fixed interest rate throughout the tenure of the loan. Though the fixed interest rates are generally higher, it allows you to plan your repayment. On the contrary, floating rates are usually lower than the fixed-rate but could change with the market fluctuation. Semi fixed rates start as a fixed rate but gradually turns into a floating rate.  

Know your Eligibility – Besides interest rates, you should know about your eligibility criteria for availing the housing loan. Proper knowledge on the eligibility criteria can reduce the chances of rejection of home loan. You should also know about the EMI structure on your loan to ensure a smooth repayment. Calculation of EMI helps you to prepare and plan accordingly for repayments. Most of the banks have EMI calculator to assist you on this on their websites.  

Check the other charges – Apart from the rates of interest, a home loan borrower may need to pay some extra charges while processing the loans. These charges may include processing charges, late payment charges, foreclosure charges etc. You should be well versed with these charges to avoid any further confusion. Read the terms and conditions of these charges carefully to calculate the total cost of the loan. 

Home loan tax deduction – All the housing loans comes with tax benefits. Knowing about the benefits it provides is important to claim it. The home loan borrower can claim the principal repayment paid for the year under Section 80C. Furthermore, the borrower can also claim the interest paid on loan as a deduction from the total income. Apart from these two, you can also claim the registration charges and stamp duties on the loan. These benefits apply to all the co-borrowers as well.  

The post 4 things that every home loan borrower must know appeared first on blog-guru.


How to get more positive app reviews

What is a review?A review can be defined as an assessment of books, apps, games, companies orany kind of proclamation. It can also be objects like cars, home appliances, orplaces like movie theaters, events like concerts. Along with review, there areratings as well. The reviews can be both positive and negative. Fetching of more positive […] The post How to get more positive app reviews appeared first on...

What is a review?
A review can be defined as an assessment of books, apps, games, companies or
any kind of proclamation. It can also be objects like cars, home appliances, or
places like movie theaters, events like concerts. Along with review, there are
ratings as well. The reviews can be both positive and negative.

Fetching of more positive reviews
For the development of the app store it is very important to have users who
possess positive opinion regarding their services. The world is highly familiar with
downloading apps be it an android user or an iOS user. The user always prefer to
go through the reviews blindly or thoroughly before downloading the app. If an
app has good reviews, it is enough to influence people to download the app.
Majority of people trusts the reviews of the app rather than the
recommendations from a friend, as they consider it to be the most vital part.
Earlier it is mentioned that the reviews goes parallel with the ratings, they are
equally important. If, for example a person has high rated the app without any
reviews attached, can very much convince the people about the app.
There are some ways an app store can get more positive app reviews, they are:

  1. Creating a great product
    To create an app which provides vivid and rudimentary use for the users
    and needs is a primary way to fetch more reviews. Its very important for
    the users to understand the fundamental functions and the product. The
    constant fixation of the bugs is necessary for the normal functioning of the
    app. Moto to provide happiness to the users for the good ratings.
  2. Improvement of the app
    If a user has low rated the app due the bugs, there is always a way to fix the
    app so that the user enjoys the better version of the app. This might lead to
    them changing the lower ratings to high. To be in regular touch with the
    users with negative review is highly important. This might give some ideas
    to solve the problems and deliver a good app for the people to use.
  3. Feedback stimulation
    Stimulating feedback feature in the app is also one of the important ways
    to get positive reviews. Ask for their feedback, but less annoyingly, because
    no user himself rates the app. Now in many apps there are constant pop
    ups regarding issue of the app, which gets annoying and compels the user
    to leave a bad review to the app. This mistake can be fixed by removal of
    such pop ups and asking them for the review at intervals.
  4. Identification of the most engaged users
    The app created will not be able to make every user happy. They will end
    up giving negative reviews. By targeting the people for reviews, uses the
    app regularly and are happy about it, is the better option. If these people
    are given preference, the negative reviews will not cross the path.
  5. Displaying the benefits of the ratings.
    It is very important for the people to remind that their reviews and ratings
    are highly important, which is highly beneficial not only for the app but also
    for the users. As their feedback and reviews will encourage the app store to
    launch more contents, less bugs and more enjoyment for the users.
  6. Rewarding the users for rating the app
    Offering the users some gifts or money as a reward for rating and reviewing
    the app, will keep the users more enthusiast.
  7. Reviews through social media
    Another way to fetch positive reviews from the people is through the social
    media. Through social media the app stores can gain huge popularities.
    Conclusion
    Reviews and rates have proved to be the most important tool for the app stores.
    The app can gain popularity amongst the people through good positive review. If
    there is a bad or a negative review, the app stores should fix the problems and
    the bugs which is restraining the people from positive reviews. Every app should
    have a feature of feedback, this enables them to stay updated with problems and
    people’s reaction. The app should always focus on the positive reviews, so tha the
    negative ones shall not cross paths.

The post How to get more positive app reviews appeared first on blog-guru.


What Is the Process of Calculating Interest on Fixed Deposits?

What Is the Process of Calculating Interest on Fixed Deposits? Investing in a fixed deposit (FD) is one of the safest ways to build your fortune. However, before you put your hard-earned money into the account, you must learn how the interest is calculated. Having sound knowledge about this will make planning your investments easier. […] The post What Is the Process of Calculating Interest on Fixed Deposits? appeared first on...

What Is the Process of Calculating Interest on Fixed Deposits?

Investing in a fixed deposit (FD) is one of the safest ways to build your fortune. However, before you put your hard-earned money into the account, you must learn how the interest is calculated. Having sound knowledge about this will make planning your investments easier.

Understanding the components

The formula for calculating your FD maturity amount depends on three main components, which are:

P: The ‘principal’ that you invest

R: The yearly rate of ‘interest’

T: The ‘time’ or ‘tenure’ of the investment in years

Factors that determine the formula

The formula to calculate the maturity amount of your FD depends on whether the compounding is carried out monthly, quarterly, every six months, or once a year. The formula consists of the money you invested, the fixed deposit interest rate offered, and the length of the investment period.

For yearly compounding, the formula will be: Maturity amount = P x (1+R/100) ^N

For quarterly compounding, the formula will be: Maturity amount = P x (1+(R/4)/100) ^4N

Quarterly compounding calculation – An illustration

Below is an example of quarterly compounding calculation to help you understand how the FD rate, principal investment, and tenure affect the maturity amount. 

Ajay has invested INR 20,000 in an FD for five years. He is offered an interest rate of 7.5%. Using the formula, we can calculate that his maturity amount will be INR 20,000 x (1+ (7.5/4)/100) ^4*5 = INR 27,484. So, the interest earned on this investment is INR 7,484.

How to make calculation simpler

The fixed deposit eligibility criteria vary from one financial institution to another. For instance, the minimum amount to open an FD differs across institutions. If you meet the criteria, you can invest in an FD. If you are finding it hard to calculate the interest or maturity amount before investing, you can use an online FD calculator. 

When using the calculator, you can input the amount of deposit, or principal. After this, choose the investment tenure, and then the frequency payout, which could be monthly, quarterly, short-term, or reinvestment. The FD interest rate will already be provided in the calculator. After clicking on the ‘calculate’ option, the estimated maturity amount will be displayed. The Mahindra Finance FD calculator is a good tool to use to know about the kind of returns you can expect from your investment. You can use it to determine what best works for you by trying different combinations.

Now that you know the process of calculating interest on fixed deposits, make wise yet safe investments without any delay.

The post What Is the Process of Calculating Interest on Fixed Deposits? appeared first on blog-guru.


Comparison Between Dematerialisation And Rematerialisation

Anyone who is even remotely involved with trading and share market has at least once heard the term “Demat Account”. A Demat account allows an investor to invest and then store their shares in an electronic form. Having a Demat account comes in very handy since most of the transactions are conducted online these days […] The post Comparison Between Dematerialisation And Rematerialisation appeared first on...

Anyone who is even remotely involved with trading and share market has at least once heard the term “Demat Account”. A Demat account allows an investor to invest and then store their shares in an electronic form. Having a Demat account comes in very handy since most of the transactions are conducted online these days and an investor can trade conveniently with a Demat account. Apart from the shares, a Demat account also holds bonds, ETFs, mutual funds, gold bonds, and other similar assets with a unique ISIN number.

When you come across the word Demat account, there are two more terms that you often hear along with it: Dematerialisation and Rematerialisation. This article helps you understand the comparison between Dematerialisation and Rematerialisation. To understand the difference between the two, you must first understand the definition of these terms.

What is Dematerialisation?

Dematerialisation can be explained as a process in which, at the investor’s request a company recalls the share certificates in paper form from the investor and an equivalent amount of electronic securities are credited to their trading account. Shares in dematerialized form don’t comprise of the typical number. Besides, the shares are similar and exchangeable.

The investor must open a Demat account with the Depository Participant in order to request dematerialization. Only then the shares will be deposited to the account in an electronic format. Dematerialisation is not mandatory, the investor is permitted to save securities in physical form. But when the time comes to sell the securities in the stock exchange, they need to be dematerialized. Also, while buying shares they get them in an electronic format. 

What is Rematerialisation?

Rematerialisation can be defined as the process in which, the shares in an electronic format in a Demat account are converted into traditional share certificates. If a person has already converted his securities into electronic format, he has the choice of moving them to physical form again. For this purpose, you are required to fill a Remat Request Form (RRF), and yield it to the Depository Participant (DP), with whom you have a Demat account. People at times opt for rematerialisation to dodge giving the maintenance charge of a Demat account that has only a few shares. The rematerialisation of securities can be done whenever desired. But, the securities that have been rematerialised cannot be traded in the stock market. 

The Key Points Of Differences Between Dematerialization And Rematerialisation Are As Follows: 

The method of transformation of shares from physical form to an equal amount of shares in electronic form is known as Dematerialisation. Whereas, the process where shares in electronic format are converted to electronic format is known as Rematerialisation.

Dematerialised shares have no independent identity and hence have no distinctive number. Whereas, rematerialised shares possess a distinctive number. 

Dematerialisation leads to effortless and paperless trading. Your account can be accessed at any time and place. On the other hand, rematerialisation comprises of physical trading which may be very time consuming. 

In the case of dematerialisation, the account is handled by the Depository participant. And in the case of rematerialisation, the account is handled by the company. 

Procedure for Dematerialisation:

Open an account with a Depository Participant.

Fill in the DRF (Dematerialisation Request Form) and submit the form along with the share certificates.

The DP passes the request and the share certificates to the depository, registrars and transfer agents.

Upon verification, the investor’s account gets credited with shares.

Electronic transfer of shares can take roughly 30 days.

Procedure for Rematerialisation:

The investor has to submit the RRF (Remat Request Form) to the DP.

The form is then sent by the DP to the registrar.

New certificates are printed by the registrar and given to the investor. 

Once the Remat request is confirmed by the registrar,  the investor receives the new certificates.

The process of rematerialisation may take up to 30 days.

The processes of Dematerialisation and Rematerialisation are diametric opposites of each other. To explain it in a simple way, rematerialisation reverses the results of dematerialisation.

The post Comparison Between Dematerialisation And Rematerialisation appeared first on blog-guru.


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