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.

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.

September 15, 2015

Insuring and Growing a Business in the Health and Personal Care Sector

Insuring and Growing a Business in the Health and Personal Care Sector
In the industry of personal health and personal care, there’s a massive range of different business opportunities, ranging in skill and finances required to set them up. Anything from a simple hair salon to a specialist surgery can be founded depending on a proprietor’s qualifications and financial status. When looking online at people who have set these businesses up, and had a bad time, it seems quite obvious that they were trying to cut as many corners as possible, and in the long run, it ruined their chances of making a success of themselves. It goes without saying this is what you want to avoid doing.

After scrolling through many forums and discussion pages online, I have come across numerous questions that could be answered with a simple search through a few advice pages on the internet. It appears that many proprietors are unaware or not so sure on what they need when it comes to some of the simpler things within their business and its sector.

March 12, 2015

Top Student Credit Cards to Look Into

Top Student Credit Cards to Look Into
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There are many great student credit cards that you can take a look at right now with regards to getting the credit support that you need while you are in college. These include options that are available right now through a variety of the most popular credit card companies. Many of these cards have some special offers that allow you to get cash back on some of the different transactions that you might make over time.

Capital One Journey

The Journey card from Capital One is a Visa card that has a 1% cash back offer on all purchases. There is also a 0.25% bonus for students who make their payments on time. This works without any annual fees and it can also offer a number of reward points that will never expire. These reward points are similar to what Capital One offers for many of its other standard credit cards. A 29.4% APR is used for all interest charges.

February 23, 2015

Proper insurance for your home can provide you a secure financial planning

Proper insurance for your home can provide you a secure financial planning
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Homeowner’s insurance policy is a very important part of worthwhile financial planning. Since our homes are most likely our biggest property, protecting ourselves with the right quantity of coverage is essential. However, most of us are not aware the correct method to calculate our requirement for house owners protection. Not only are the majority of us using the wrong method to determine how much homeowners coverage we require, few of all of us have recalculated the need since we purchased our home. If you have lived in your house for any period of time, you probably possess the wrong amount associated with coverage. Inflation could make a bug distinction.