May 24, 2018

Things to know about buying a house in summer 2018

Know about buying a house in 2018
You might have heard the conventional wisdom – the best season to buy a house is in spring. Sellers are keen during this time because they can showcase homes better. Gardens are in bloom, the weather is excellent, and spring is nearly always associated with happy events. But what if we told you that if you are a home buyer in 2018, aim for a summer buy.

Summer is typically associated with school holidays, a bit of gardening, picnics when it is not too hot. Although it may not sound like the season in which to embark on a house hunt, you would be surprised to know that plenty of houses get sold in the summer.

Throughout the UK, for example, the general trend is that residential sales have been higher in summer than in spring – every year since 2007.

Some of the benefits of buying a home in summer are :

Pricing: You definitely get an edge over spring pricing-wise. Summer prices tend to be more reasonable and over a broader range of comparable properties than in spring. August is considered a good month for getting competitive prices.

Home insurance rates: No dramatic changes are anticipated in home insurance rates in the UK through summer. Pricing is quite competitive, and buyers can expect favorable rates. This is another reason why buying a home in summer may be advantageous this year.

If you think that summer is your season for buying your new home, then here are some tips for buying a home in summer 2018:

Know the neighborhood: Take advantage of steady summer weather and make the time to visit the localities where your prospective houses are located. To feel at home in your new home, you should be comfortable with the neighborhood, the general area, and the amenities to which you will have access. So, even if a property feels like “The One,” spend some time scouting the area.

Keep a lookout for old listings: Properties that didn’t get picked up in spring are not necessarily unsuitable ones. Sometimes it is just a case of buyers backing down at the last minute due to cash problems, or they may have just changed their minds. So, if an older listing looks appealing, make that trip and see the property for yourself. What’s more, the seller may even have brought down the asking price at this point.

Check your finances: Before making an offer, take the time to double-check your finances. How much deposit have you shored up? How much are you borrowing? Are you getting the best rates on the mortgage? Remember to include insurance, deed cost, taxes, moving and redecorating costs into your financial considerations.

Be flexible about the type of property you want: If you are getting a decent price in your desired locality for a fixer-upper, you might want to consider that as opposed to the new build you wanted. The total amount for a fixer-upper may come up to less than what the ready-to-move would have cost. You may even look at restored and upgraded properties. A starter home is yet another type of property that you can consider especially if the financial aid is suited to your needs.

Make a firm offer: This is not to say make the highest bid. Make the most convincing bid. If you have financial details taken care of well, then sellers are more inclined to consider your offer even if it is not the highest one. Financial preparation is a crucial home buying tip and especially useful for perfectly functional properties that have not been picked up yet, and the seller is looking for a quickly concluded transaction.

One other way to make a summer home buy less stressful is to consider taking the help of a real estate agent. Real estate agents are likely to have a more comprehensive dossier on the type of properties you are looking for and would indeed be able to provide a better financial guide. Some of the advantages of hiring a real estate agent are:

Save time and money visiting different properties. Estate agents can do the legwork for you.
Get good financing options. Estate agents would be able to help you understand which mortgage and insurance schemes are best suited to you.

Estate agents handle all the paperwork, which makes the process hassle-free.

Expert advice can save you from heartbreak. A house is a significant investment, maybe even the biggest you will make this year. Specialist help from real estate agents can mitigate the risk of making a bad investment.

Summer is as appropriate a time to buy a home as any other season. What’s more, unlike spring and autumn, you can get some fantastic prices too. Take time to find the property that suits your needs and financial situation best.

May 21, 2018

Successful Business Tips Every Entrepreneur Needs To Know

Business Tips 2018 Every Entrepreneur Needs To Know

It is a dream to be an entrepreneur! No one loves to work with any boss and be yelled at five times a day! You want to be your own boss and run a company, based on your terms and conditions. That’s what entrepreneurs get to experience and that’s why there is a seamless rise of new ventures by novices on a daily basis. Now, while competing in this hardcore world, you are mostly up and against some of the big names in the market.

Trying to cope up with their working strategies and then outsmarting them is a big challenge. So, unless you are properly sure of what to do next, you won’t succeed. So, let’s just dive right into some strategies and business tips, designed specifically for the entrepreneurs out there.

Positive attitude is the key:

For increasing success rate, your attitude plays a pivotal role. It is always important for the entrepreneurs to achieve that at the same time. Yes, it is no doubt that you need talent, skill and knowledge to be a name to watch out for. But, your competitors will have the same traits like you do. Then what will set you guys apart? That will be your positive lookout for all the businesses you are about to handle. For some people, it is always a challenge to maintain positive mindset, but if you can win over that, money is the secondary point in your list for gaining success.

May 20, 2018

Bajaj Allianz Life Insurance Launches Digital Branches Through Mosambee

Life Insurance Plans in India
Bajaj Allianz is a combined undertaking which incorporates both global expertise and local experience between Bajaj Finsery Limited and Allianz SE. Starting their journey in the year 2001, the company has become to be one the top insurance company brands in India.

This Life Insurance provides a number of plans that incorporate minimum investment for greater returns. The company is best reputed for their investment plans, their long term and short terms planes, child plans, pension plans etc.

Bajaj Allianz Life Insurance Plans

It is best known for their life insurance plans. There are a number of life insurance plans that are offered by the company itself. The plans all vary from one another depending on the type of plan, the entry age, the maturity age and the annual premium that needs to be deposited by the insurer.

The different types of plans that are offered by the company all meant for different purposes. Some of the types of plans that are offered by this include:

• Term Insurance Plan.
• Unit-Linked Endowment Plan.
• Unit-Linked Pension Plan.
• Traditional Child Plan.
• Traditional Empowerment Plan.
• Non-Linked Whole Life Plan.

Bajaj Allianz Plans in Detail

The Bajaj Allianz term plans are those plans that are meant to provide a large sum of money at the end of a contract to the insurer’s company. This plan is a safety plan meant to provide stability to the members of the insurer’s family in the event of an unforeseen death.

The Bajaj Allianz unit linked insurance plan is where an individual can invest their money in variable proportions in equity, money market instruments, bank deposits, debt etc.

Pension plans are those plans that are meant to provide financial help to the insurer during their old age time. The Bajaj Allianz pension plan is tailored in a way in order to give thee insurer the same lifestyle that they have even after they retire.

The child plans provided by the company are made in a way in order to secure the future of any child financially either in the field of higher education, their studies or even their marriage.

Investment plans from Bajaj Allianz are so that a certain amount is definitely returned to the insurer after the plan has matured. For this plan, the insurer deposits a certain amount of money as premium as a monthly/annual basis. At the maturity of the plan, the entire money is given back to the insurer along with interest.

The women insurance plan caters to only women insurers who can use this plan for medical solutions, savings, retirement solutions or can use the plan for different types of investments during their lifetime.

Bajaj Allianz Life Insurance Digital Branches Through Mosambee

For the purpose of expanding the horizons of their services, it has started the acceptance of digital services through the offering in Mozambee. A handheld mobile device that assists customer through providing a variety of customer services like premium payment certificates, account statements, paying insurance renewal premiums etc.

The greatest benefit of this particular service is for the customers. Customers can pay their annual premiums for their insurance plan through whichever way that they want, be it through bank transfer, cheque or even DD’s.
The prime objective of introducing digital branches through Mosambee is to improve the customer service of Bajaj Allianz as a whole. Customers can now easily get the type of insurance that they want through this method. Those individuals who have insurances can easily pay their premiums through digital branches as well. All in all, the improved customer interactivity with the company through digital branches introduced by Mosambee has helped the work efficiency of the company as a whole.

Eligibility for Applying for a Bajaj Allianz Life Insurance Plan


For applying for a Bajaj Allianz Life Insurance plan there are certain conditions that need to be fulfilled on the end of the insurer. The individual who is buying the plan needs to be the legal age of 18 years or above. The maximum age at which an individual can apply for the same plan is 60 years.

Only those individuals who are employed under a company or an individual or who are self employed can apply for this plan. The individual needs to be employed unless they cannot fulfill the condition for filling the premium for the insurance plan.

Documents Required for Availing a Bajaj Allianz Insurance Plan

Bajaj Allianz Insurance plan can be bough on an online and also on an offline basis. Through both the methods of getting the plan, the insurer needs to fill a form and submit a number of documents to the company.
The documents that are generally asked to be given on behalf of the insurer to the company are identity proof, age proof, income proof, address proof and PAN card or Aadhar card.

Providing Aadhar card or PAN card and sometimes both is a necessity for the insurance company as per the new laws that have been provided from the Government of India. Aadhar card and PAN card need to be linked to all insurance accounts for the safety of the customer.

May 16, 2018

Digital Currency: The Age of Cashless Society & Future of Money

The Age of Cashless Society
Due to lots of innovation in this 21st century, nothing seems impossible around the globe. Reality is in front of us, as money will strip off its tangibility and cryptocurrency will appear out as individual units for virtual exchange. This requirement can be fulfilled with the help of Internet, iPhone or any Android-Gadget.

Cashless transactions are practiced globally. Various countries like India, Sweden, and Belgium etc... have taken a back step from paper currency. Sweden has an objective to become the first country in terms of cashless economy. Two years ago, demonetization took place in India and most of the population in Belgium does their payment through cards or mobile phone apps. Even, there is a creation of law to limit the cash transactions up to a certain amount.