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Finance

5 Uncommon and Important Facts You Must Know About the Home Loan EMI Calculator

Buying a house is no easy decision. A lot of homebuyers apply for home loan plans to arrange for the required finances. For most people, this is the biggest loan of their lives. Most financial institutions offer a 20-year period to repay a home loan, which is a long time to be paying off the loan’s monthly instalments. This is why it is very important to make sure that the loan’s EMIs are affordable to avoid any kind of financial complications in the future.

Now, in order to be sure about comfortably paying off the loan’s EMIs, a borrower needs to be aware of the loan’s EMI payments beforehand. This is why it is considered best to use a home loan EMI calculator. This calculator is an online tool that helps the user figure out the monthly instalments of their home loan.

If you have never heard of a home loan EMI calculator, go through the pointers listed below to learn about 5 important facts about this tool:

1. A home loan EMI calculator is very important for financial planning

To avoid financial complications, it is important to choose a loan plan that suits your budget. This is exactly what a home loan EMI calculator can help with. You can try out different repayment tenures to see which one is convenient. It is also possible to find out a loan amount that is affordable.

2. This calculator is very easy to use

All that one needs to do is input information that the calculator requires. This includes the home loan’s principal amount, interest rate, and repayment tenure. Once the calculator has this information, it will display the loan’s monthly instalments immediately.

3. Users can access this calculator anytime for free

A home loan EMI calculator is an online tool that can be used for free at any time. Most financial institutions make this tool available on their official websites. This makes it possible for a user to check out a home loan’s EMIs from anywhere.

4. No personal information needs to be shared before using a home loan EMI calculator

Some home loan borrowers are worried about using a home loan EMI calculator as they feel that they would be asked to share personal details. However, this is nothing to be worried about. No user is asked to share any personal information to access the home loan calculator.

5. This calculator helps in finding out whether the interest rate of the loan is affordable

The interest rate of a loan impacts its monthly instalments. By using a home loan EMI calculator, one can find out whether the interest rate offered by the lender is an affordable option. If not, one can keep looking for lenders that offer a home loan interest rate that is suitable to their budget.

These are some things you should know about the calculator before applying for a home loan. Using this tool can help avoid loan repayment problems and keep your credit record in a good light!

Carter Black Business

Things You Need to Know While Opening a Shop in Ontario

Starting a retail store can be a challenging experience. There are so many regulations and steps to be followed. This article will cover some of these aspects. It will also touch on the online business model and networking. Read on to learn more. Listed below are some things you need to know while opening a shop in Ontario. These are just a few of the most important things to know when starting a retail business.

Business licenses

Listed below are some things you need to do before you can open a shop in Ontario. In addition to obtaining a permit, you will need to get necessary documentation, such as a business license and tax numbers. You should also be aware of Ontario’s business regulations, which can affect your business. There are several government websites that will help you find these regulations, and many of them are free to access.

Taxes

There are many considerations when opening a retail store in Ontario. The process is daunting and often involves several steps and regulations. Listed below are some of the most important points to consider. Before you begin, you should consider what type of business you plan to run. While the exact structure you choose depends on your goals and preferences, there are a few key factors to consider. If you’re unsure, check with an attorney or local government office to find out what the regulations are and how they can affect your new business.

Online business model

If you are considering starting an online business in Ontario, one of the first steps is to develop a business plan. This document provides insights into your online business and an action plan to see it through. Your plan should cover all aspects of your business, from marketing and promotional to operational. Once you have your business plan in place, you will need to register a domain name. You can register a domain name with a website registration service like GoDaddy. After you have registered a domain name, you will need to design a logo and start creating a business card.

Networking

If you are planning to start a new business in Ontario, you’ll want to make sure you network with other entrepreneurs. Many of these people can provide valuable information on government programs and services. For example, you can use the Canada Business App to learn about government grants available for small businesses. You can also visit the FedDev Ontario website to learn more about small business regulations and step-by-step guides for different types of businesses.

Business plan

While it’s tempting to devote all your time to building your new business, you need to remember to find some time for yourself as well. If you’re new to the world of retail, you may be overwhelmed by the various steps and regulations. There are resources to help you get started. The Ontario government has many resources for starting a physical store. Here are some tips to help you succeed in this exciting new endeavor:

Carter Black Game

What are the industry’s most popular sportsbooks?

Football wagering is really a fun sports activity to wager on. Just before you guess on the online games, you have to know learning to make your cash do the job. Apart from the normal position propagates, you can also spot a guess on person props. These are markets including tackles and offsides, among other activities. By utilizing these props, you can place a wager over a player’s likelihood of scoring a touchdown.

There are many aspects that affect the outcome of your football video game, and several aspects are obvious. Shield and offense durability are the obvious variables. Much less apparent types are the degree in the team’s squad, the teaching fashion, personal injuries, determination, and timetable. You may make your selection depending on these factors alone, but it’s very best to utilize a combination of these specifics to get the best wagers. There are also lots of other methods to help make your bets.

A good เว็บบอลออนไลน์ betting approach commences with a straightforward approach. There are several types of bets you can put on every activity. First goalscorer bets, by way of example, involve putting a option on which participant will score the first aim. Correct report bets, on the flip side, require forecasting the amount of targets scored and also the victor. There are also more types of bets that one could put on the video game.

Good wagering practices, as well as understanding the odds and putting successful wagers, will help you stay away from generating pricey blunders. Very good football wagering method consists of not only performing the right stuff but also avoiding undertaking a bad issues when it comes to baseball playing. You can expect to almost certainly get some things wrong when you begin, but don’t be too concerned about it. In the event you prevent the most common faults, you will be on the right track to accomplishing your targets. If you make some faults, you may arise as being a more powerful participant than that you were prior to.

In relation to football gambling, also you can make accurate forecasts. You should use specifics of a team’s weaknesses and strengths, for example how they’re executing within a particular online game, to your advantage. In addition to statistics, you can use additional information with regards to a crew to produce estimations regarding how they will likely carry out against one more staff. When basketball betting will not be for anyone, they have the possibility to boost your odds of winning more than you shed. Guessing which staff will score initial must be element of any successful activity strategy. In order to prevent worrying about shedding the video game, you have to be able to anticipate a success as quickly as you can.

To be able to place profitable football wagers, it is essential to learn the rules and stats. This will help to you stay away from being considered advantage of by unskilled bettors. The most effective bets will win more frequently than they may get rid of, so you should recognize how the game is played. Furthermore, you should make sure you are placing your wagers in the appropriate team. When placing a gamble, make sure you are aware of the percentages engaged.

Carter Black Business Bodyguard services Tasks related to security

The most outstanding aspects of hiring certified bodyguards in London

Qualified and committed security guards stay awake at night and guard the place so that they make confident that their clients can sleep safe and sound. Reliable security companies in London are dedicated to providing the best yet affordable security guard services as per the overall requirements of clients.

You may be a beginner to the professional services of specialized bodyguards London and take note of everything about the best-in-class nature of the professional bodyguard services. You can get in touch with the trustworthy company recommended for bodyguard services and explore everything about the customized yet reasonably priced services. Hiring a bodyguard is not be treated as a luxury but instead a necessity.

Focus on bodyguard services at first

Everyone who hires well-experienced and dedicated bodyguards can get peace of mind as they know and make sure that their home and life are entirely protected and secured against the ever-increasing crime rates. You can spend enough time concentrating on the multiple categories of security guards like residential, industrial, and corporate security guards right now. These security professionals have different responsibilities as well as routines.

Individuals who are willing to be prepared against any type of security threat for their home or business can get an array of valuable things. They can contact and hire bodyguards to get the desired improvement in the safety of their property.

Decide on and use the bodyguard services

Male and female bodyguards in the nation are committed to providing customized services to all clients. As compared to male bodyguards, female bodyguards are very proficient in noticing details. They have an intuition that may be in different cases of meaningful use in terms of protection-related undertakings. You can pay attention to the outfit and equipment of qualified bodyguards of this reputable company. This is because bodyguards involve in protection-related tasks and must be dressed and appropriately equipped. Bodyguards of this company have capabilities and experience enough to deal with any situation.

There are several benefits of hiring one of the most successful bodyguards London as per your requirements. However, some of these benefits are the protection of premises, getting a sense of peace of mind and comfort, a message to the criminals that you are cautious about securing the premises, excellent customer service, and dealing with emergency situations. Every client of reputable security companies gets more than these benefits. They are confident to recommend professional services from licensed bodyguards. UK Close Protection Services is a one-stop-destination for residents and business people to get the best-in-class nature of reasonably priced bodyguard services.

Carter Black Finance

How have ULIPs evolved over the years?

Gone are those days when insurance was all about life cover. While life cover is still the primary purpose of buying life insurance, people want more. Instead of locking their money in life insurance with no returns, individuals are looking for products that can provide life cover and generate funds too. Locking funds in investments and life cover separately is difficult for most people in the country because of their financial commitments. Instead, a product like Unit-Linked Insurance Plan (ULIP) is a preferred choice as it provides life cover and has components of investment too.

Meaning of ULIP

A ULIP is a dual product providing life cover and returns on investment. When you buy a ULIP plan, like any other life insurance, you pay premiums. The company divides the premiums that you pay into two halves. They use half of your premium amount towards providing you with a life cover while they invest the other half in funds of your choice. The life insurance part of a ULIP works like any other insurance. If you, as a policyholder, lose your life, your nominee will receive the sum assured. When it comes to the investment component, you choose the funds you want to put your money into. You can choose between debt, equity, and balance funds, depending upon your risk appetite. People who can take risks invest in equity funds as they have high returns. While individuals who prefer safer investments chose debt funds for comparatively lower returns. You can also choose balance funds, where the company invests half of your money in debt funds and the other half in equity funds.

Evolution of ULIPs

The insurance industry has witnessed an evolution over the last few years. Along with traditional insurances, now there are several types of ULIP and other insurances catering to the needs of different consumers. Over the past decade, ULIP benefits have grown tremendously, and it has grown as a financial product. Here is a decade’s timeline of a ULIP and the major changes it underwent-

Before the year 2010

ULIP was not a beloved product when it was initially launched. In the beginning, buying a ULIP was quite expensive, because of expensive front load costs and several other charges. Also, ULIP was wrongly marketed widely as a three-year savings plan. Misinformation and uninformed customers lead to little no interest for the product. People who invested in or considered investing in a ULIP plan realized that the new fund value is quite low, considering additional charges.

Between the years 2010 to 2015

Insurance Regulatory and Development Authority of India (IRDAI) found that there is a huge amount of misinformation regarding ULIP in the country and they are being mis-sold. They imposed guidelines regarding ULIP to provide clarity to policyholders. The guidelines included rules that would lead to policyholders getting better returns on their investment. In September 2010, they limited several charges of a ULIP product. They also established a five-year lock-in period. Also, a compulsory minimum protection cover was raised to ten times the annual premium paid.

From the year 2015

In 2015, the charges that were the major setback of a ULIP, underwent several significant changes. Insurance companies established a max cap on the charges of ULIP, like mortality charges and fund management charges. This was done to increase the popularity of the product and generate more sales.

As of today

When ULIP was launched, several setbacks led to a rocky start. However, things have changed completely now and ULIP has become one of the most popular products, with different types of ULIP gaining popularity among different people. It is popular amongst policyholders for creating wealth in the long run. With years of modification, the product, instead of being expensive, now has become cost-efficient. Also, awareness of ULIP amongst policyholders has increased.

ULIP has evolved over the years and so has the financial literacy of the country. Individuals who are looking for a life cover along with an investment component choose a ULIP over other types of insurance. ULIP benefits include tax exemptions, as the premiums you pay are tax-free. Also, the sum assured that you receive from your ULIP is free from taxes.

Carter Black Finance

Steps to get Mutual Fund Statement

Investing in mutual funds online can offer you inflation-beating returns, goal-based growth, and exposure to the market as per your preferred risk capacity. However, in order for your money to grow in tandem with your goals, it is good to keep a check on your investments. This can be hard to do periodically as you may be occupied with several other day-to-day chores and responsibilities. Hence, mutual fund houses send all investors a Consolidated Account Statement (CAS).

Let’s find out more about the CAS and how you can download it.

What is the Consolidated Account Statement (CAS)?

The CAS is a statement of your mutual fund investments. It is similar to a savings bank account statement. In 2015, the Securities and Exchange Board of India (SEBI) mandated all mutual fund houses to send the CAS to investors to keep them informed of their investments’ performance. The CAS summarizes the fund’s Net Asset Value (NAV), its holdings, dividends, transactions, folio number, and more. If you are investing in mutual funds online, you will receive the CAS before the 10th of every month irrespective of whether you invest through a SIP (Systematic Investment Plan) or in a lump sum.

How to get the CAS?

Here are the steps to generate your mutual fund account statement:

Visit the CAMS website: camsonline.com.
Select the period of the statement. For instance, if you need the details from January 1, 2022, to February 1, 2022, you can select this time frame.
Enter your registered e-mail address. This is where you will receive the mutual fund statement.
Enter your PAN card number.
Enter the password. You will be asked to enter the password twice.
A code will be generated and shown on the screen. Enter this in the space right below it. If you have trouble reading it, you can click on the refresh sign next to it and enter the new code.
Click on ‘Submit’.
A copy of the CAS will be sent to your registered e-mail address. You can log into your e-mail account and download it. The CAS will be in PDF format, so make sure your device has the necessary application to view it.

You can also directly download the statement from the mutual fund house’s website. For instance, if you are investing in asset management company A, you can visit its website and get the mutual fund statement from its website in the same steps as mentioned above.

In addition to this, if you are investing in mutual funds online and have shared your e-mail address with the mutual fund house, you will automatically receive the statement every month on your e-mail ID.

To sum it up

The CAS can help you assess the performance of your investments, so make sure to keep an eye on it. This will help you track your investments and make timely decisions that can determine the course of your financial journey and growth. The CAS also simplifies matters by giving you a summary of all important things in one place.

And to further simplify your investments, you can download the Tata Capital Moneyfy App – a single app for all your investment needs and concerns.

Finance

What Is Contractors Insurance?

What is contractors insurance? While there are a variety of different types of coverage available, the most important consideration is the amount of coverage that your company needs. The type of work that your company performs affects the cost of your policy. For instance, a roofing contractor will pay a different rate than an HVAC technician. There are also a number of other factors that determine the cost of your policy. To ensure accurate coverage, you should request a custom quote from an insurance broker.

The cost of contractor insurance varies by business size. Larger companies require specialized insurance programs. In addition to the cost of premiums, large contractors must have their own policies. Even if you’re not operating a large construction firm, you should still consider purchasing contractor liability insurance. The protection it provides for your business will be worth the cost. Plus, you’ll have the peace of mind that you’re protected in the case of a covered loss.

Contractors insurance usually covers property damage, bodily injury, and property liability. It also covers a contractor’s workers’ compensation expenses if someone becomes injured while working on a project. In some states, contractors must carry workers compensation coverage if their employees are working for them. In the U.S., contractors’ insurance may be required by their employers. A business owner’s policy, on the other hand, combines the requirements of a general liability policy with coverage for commercial buildings and personal properties.

General contractors and property developers are required to carry contractors insurance, which protects their employees and agents. The policy covers the costs of repairs due to claims that result from defects in the property. In the event of a claim, the policy will cover the costs associated with repairing the property. The contract will specify which activities are covered and which ones are excluded. There are two main types of contractors insurance policies: a standing professional liability policy and a specific project coverage.

A general contractor’s insurance policy protects the contractor against liability claims caused by faulty work. A commercial auto insurance policy covers the vehicle the contractor uses to perform their job. It also covers any equipment that is permanently attached to the vehicle. A business owners policy, or BOP, bundles the liability and commercial property policies together. It is important to have both types of coverage, as they cover the most risks. In many cases, the cost of the former depends on the type of policy that the insurer offers.

The other type of contractor insurance is the general liability policy. The umbrella policy is designed to protect contractors against a variety of liability claims. It is important to choose a comprehensive policy that covers all possible risks. It is important to note that while the basic liability coverage is essential for a construction business, it is not enough. Whether the company has a single employee or several, they must have an umbrella policy. However, general liability insurance is not enough to protect the entire business.

Carter Black Entrepreneur

Acting against smart pirates who get access to HD, 4K OTT content

Pirates of premium OTT content have a preference for high-resolution video files. As internet speeds have improved all over the world, content consumers expect high-quality streaming irrespective of the legal nature of the OTT platform they access the content on. Pirates have found avenues to access HD, and even 4K, DRM protected content copies which they stream through their own networks.

Hackers have multiple ways to obtain high-resolution premium content. They can simply take legitimate subscriptions of popular OTT platforms, like Amazon Prime and Netflix. To assume anonymity in the OTT space, which uses the multi-DRM licensing system to protect content and manage users and client devices, pirates use prepaid credit cards to buy subscriptions. Once they have obtained analog copies of premium content, pirates use mobile devices to stream this content in through pirates sites but only after attacking its video watermarking protection. Restreaming content through inexpensive mobile devices protects them against disclosing their physical locations.

Pirates are also smart hackers. They also try to steal user credentials of unsuspecting viewers and or encryption keys to steal content directly from CDNs. In a multi-DRM system, the content is no value if its corresponding encryptions keys are not available for decrypting the premium video content.

In the eventuality of a leak – which can happen despite the best security infrastructure in place – video watermarks, which are inserted into each video frame of the streaming content help content owners to reach the pirate. They then start the process of removing pirated content from file-sharing and illegal streaming sites.

For this process, content owners go back to the same multi-DRM vendor which inserts watermarks in the first place. These SaaS vendors maintain a database of each forensic watermark. The extracted watermark from the pirated copy is matched against entries in this database. On successful matching, content owners obtain user information from whose device the video leaked and proceed to take legal action.

Carter Black Finance

Mutual Funds For Wealth Creation

A lot of people are unhappy with their current financial status and are constantly in pursuit of investment schemes that may hold the potential to make them rich over the long term. The key to financial planning and wealth creation is patience. One cannot expect to become wealthy overnight. Investors must understand that wealth creation is a gradual process, and it needs commitment and discipline.

One way to create wealth over the long haul can be with mutual funds. Mutual funds are a pool of professionally managed funds that invest across asset classes and money market instruments. Some of the asset classes in which mutual funds invest are equity, debt, and gold. They also invest in money market instruments like government bonds, corporate securities, CBLO, reverse repo, cash, and cash equivalents, etc.

There are several reasons that make mutual funds an ideal wealth creation tool. Let us take a look at some of them –

Diversification – One of the primary reasons why investors consider mutual funds over direct stock investments is diversification. Mutual funds invest in a diversified pool of securities like stocks, bonds, currency, etc. They offer diversification like no other investment scheme. A single unit of a mutual fund scheme is a composition of different stocks. If an individual had to invest in these stocks directly, he might have to shell out thousands of rupees to buy a single stock. However, through mutual funds, they can own several such stocks in small percentages.

Active portfolio management – Another reason why investors do not have to worry about mutual funds is that they are managed by a team of professional fund managers. Fund managers or portfolio managers as they are called, are the decision makers who decide which securities to invest, which ones to hold onto, and which ones to sell and book profits. They are responsible for ensuring that the investment objective of the scheme is accomplished and that the fund is able to beat the competition by outperforming its benchmark. They try to minimize investment risk and maximize returns through their expert fund management skills.

SIP investment option – If you ask any financial advisor, they will advise that if you want to create wealth with mutual funds, you need to have patience and persistence. One way to ensure that you are disciplined and committed till your investment objective is accomplished is by opting for the SIP route. Also referred to as Systematic Investment Plan, SIP is the easiest way to create a commendable corpus by periodically investing small, fixed sums in mutual funds. Invest can decide an amount that they are comfortable investing, and start the SIP in any mutual fund scheme of their choice. They can even take the help of the online SIP calculator to determine the total wealth created at the end of their investment journey.

Power of compounding – The key to wealth creation with mutual funds is making the most out of the power of compounding. In mutual fund terms, the power of compounding is the process where your initial investment generates profits, and gradually over time, these profits start generating interest of their own. To witness the power of compounding effect investors, need to choose the growth option over the dividend option. Because in the dividend option, returns generated by the scheme are being rolled out to investors. But in the growth scheme option, these returns are reinvested back in the fund and can create a compounding effect, thus helping you build a decent corpus.

Mutual funds have outperformed all other conservative investment avenues in the past and are a favorite tool of investors. However, one should only invest as per their risk tolerance to avoid losses.

Finance

5 Steps to Retirement Planning

These days everyone wants to retire early. You might hear your bosses or even colleagues pondering over the idea of retiring at the age of 45 so that they can pursue their dreams or hobbies. The thought of retiring early may sound welcoming, but one needs to be certain that they have accumulated enough corpus in their kitty so that they are able to spend the remaining of their lives without any financial burden or obligations.

If you want to enjoy the luxuries of retired individuals from a young age, here are the five crucial financial planning steps that everyone must follow –

Make a list of all your recurring expenses

While it is essential to make a list of your recurring expenses like utility bills, house rent, etc. so that you know the amount that you need to get through the month, it is also apparent that you list down other goals in terms of priority. It could be anything ranging from your daughter’s wedding or starting up a fine and dine restaurant or going on a world tour with your better half. You can plan for all your goals separately and build a fund for each of them separately.

Build an emergency fund

Do not let life’s unforeseen exigences disrupt your plan of retiring early. It may be easier to target defined financial goals, than planning for expenses you have no idea about, for example, medical emergencies. Any such financial emergencycan not only hamper your retirement planning but can also exhaust your savings. Hence, investors must build a contingency fund by investing in some equity related instruments so that they are able to generate inflation countering returns over the long term and reserve a separate corpus to smoothly glide over any such unknown financial emergencies.

Do not entirely depend on conventional investment avenues

Many people do the mistake of completely depending on traditional investment instruments for retirement planning. Although it is true our grandparents and even parents highly depended on avenues like Public Provident Fund, Employee Provident Fund, Bank Fixed Deposit, Post Office Deposit, etc. this needs change in today’s time. Fixed interest offering avenues are currently giving 4% to 5% returns and one should realize that with such low returns is not only impossible to retire early but even if you hang your boots at the average age of retirement which is 60, you still won’t have enough savings to last for the next 20 years. Investors should consider solution oriented schemes like retirement mutual funds that have outperformed conventional investment avenues in the past and have the potential to help you achieve your long term financial goals.

If investing in retirement funds, start a SIP

If you have decided to start your retirement planning journey with mutual funds, then you should consider the SIP option. A Systematic Investment Plan (SIP) is the easiest and most effective way to achieve your financial goals. Here, investors can decide on an investment sum and then continue to invest this sum in any mutual fund scheme of their choice till their investment objective is accomplished. SIPs are flexible and one can start or stop their SIP investments at any given time and do not have to pay a fine or a penalty for cancelling their SIP midway.

Start early

The biggest mistake that a lot of individuals do with retirement planning is that they come to a realization in their late 40s or early 50s. You can’t be that late if are looking to build a commendable retirement corpus. Make sure that you give your investments enough time to grow so that they can give you sizable yields.

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