Maria Gallucci

5 short-term investment options to consider

Short-term investments such as fixed deposits are those which offer a maturity period ranging between 1-5 years and also called temporary investments.

People who prefer such investment options are the ones who want to maintain a specific liquidity and also have enhanced the safety of capital in mind.

When it comes to the return on investment (ROI), short-term investments offer a very competitive interest-rate. People invest in short-term investments with some specific purpose in mind.

For example – if you want to buy a car in the near future, you may save for a temporary period of 1-5 years and accomplish your goal.

Thus, in the same context, let’s provide you five short-term investment schemes so that you can take an informed decision.

Indian finance industry offers various short-term investment plans nowadays such as:

  • Saving Account    

As the name suggests, a saving account helps you save money with the highest liquidity amount laced with fabulous security for your wealth. The only issue is that a saving account offers a return on interest between 4-6% as per the tenor and deposited amount.

  • Gold Investment

Want to avail market fluctuations and stability even during inflation and banking crises? Invest in gold because its demand and value have been on the rise over many years. Mind it; you can grab a massive 23.5% ROI on gold. If you have some saving, invest in gold and be sure to reap a bigger share of profits.

  • National Saving Certificate

The National Saving Certificate allows a fixed-term period of 5 years offered by the Postal Department of India and is a highly beneficial scheme. Why? It’s because a maturity amount is not taxable. However, you should note that the interest amount is not free from tax.

  • Bonds

Because of their risk-free nature and high liquidity option, bonds have gained immense popularity these days. They are nothing but funds which you can offer in the form of loan or government or the corporations. Your principal amount is returned to you after your maturity period coupled with a specific interest rate per annum.

  • Fixed Deposits

When it comes to short-term investment, fixed-deposits are one of the most profitable and safest options.

They are laced with a pack of advantages which also includes credibility and a higher stability, the option of an online application, flexible tenor periods ranging from 12-60 months and most essentially, and a bountiful return on your savings.

You can grab best-fixed deposit rates or ROI or FD return on your investment ranging between 7.85%-8.10% as per your membership status with the lender.

You can start off your FD investment with a minimum Rs.25,000 and earn a good fixed deposit interest rate.

Nowadays, leading lenders are offering highest FD rate which you can make the most of and fulfil a short-term investment as per your wish.

A fixed deposit has also become popular due to its higher fixed deposit interest rate. As a result, leading online lenders have started to provide the facility of FD calculator.

With the help of an online FD calculator, it becomes clear as to how much ROI a person will earn on his/her investment.

Talking of leading fixed deposit lenders, NBFCs offers highest FD rate these days and could be a recommendation if you are looking for a profitable short-term investment.

The Bottom Line

Now that you know the leading and most profitable short-term investment options, it is the right time to invest in one such as a fixed deposit and kick off a healthy saving. All the best for your short-term investment ventures!

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Things to know about self-storage units while Moving

Moving is a very stressful task in anyone’s life. The whole family gets disturbed and create chaos.  The real solution to the problem is to rent a convenient self-storage unit.  It will be a minimal investment, one will have to employ a secure a holding place for all the things so that one can take care of their moving. It is normal that while shifting most of the people face so much tension because it sometimes creates a great loss.

The top tips for helping anyone effectively acquiring storage for moving:

  • Check Out what is the size needed: What is the size of the self-storage units? One wants to have that is large enough for the belongings, but one must not make an extra payment for something that is big in size. The representations that are employing the self-storage units will help to determine the size of unit one will need.
  • Climate Control must be Considered: While storing electronics photos, artwork or anything will be emotional for anyone, so one must consider reserving a self-storage unit that has climate control in it. Temperature changes as well as humidity will affect the furniture and creates a problem. The duration must be considered in the priority while storing. While spending ample of money in moving, search secure a storage-units near you.
  • Figuring the time of reserving a unit: The best thing is that reserving unit at an early stage. It is necessary that while moving forward, just go ahead and must reserve a storage unit. This will give a permission to pack right away. It is useless to wait at the last time. One needs to take the things of home. They will sell the things in the last minute and one must pack all the things of their apartment. It will help them in cleaning. The storage-unit employees will keep the boxes away. It will help all in cleaning the place.
  • Get informed what to keep and what to not: The thing which has value in the life while moving should be kept safely. If there is no space in the home, then in self-storage units will be selected. Clothes that are not used in that particular season will be stored in the self-storage unit.
  • They will learn how to organize: The moving and storage process will potentially take place. When one is planning for shifting then self-storage units will help in labeling the boxes and assets of the customers. The labeling helps the clients to settle their things in a much-organized way.
  • Will anyone want the vehicle storage: If anyone finds difficult in the moving because of their vehicles then storage unit is the best to choose for keeping them safe. The units have full security for their client’s assets. They will keep safely documents copy for having all procedures properly.

So, while moving it is good to ask questions about the facilities that are providing to their clients during moving.

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Ways Small Business Owners Can Improve Cash Flow

Small business owners have to deal with a lot of problems on a daily basis. Cash flow – is a thing that gives many entrepreneurs sleepless nights. And as the business grows, cash flow management stress also grows in its dynamism.

While most of the business problems can be managed with cash, managing the flow of cash is a little tricky task. Any small business owner will admit that cash flow is the lifeline of an organisation facilitating payments and investments. It is also a proven fact that any business which fails to manage their cash flows well end up losing the survival game.

Converting the sale of your products and services into cash is the ultimate goal of every business. This quick conversion will reduce the extension of payments building a cushion for your business.  Here are some tips to improve the cash flow that helps you refine all aspects of your business.

Keep Future in Mind

The basic rule for any business is to operate smoothly is avoiding surprises. The level of difficulty to arrange cash at the time of need is high when the situation is a desperate one. It is important to keep timely and accurate accounting records as they are necessary to get a clear understanding of where your business stands financially. By analysing income statements, cash flow statements and balance sheets past months, you can calculate total available cash and get an estimate of results in the coming months. With the help of these pro forma statements, it is easier to identify any shortfalls before they occur.

As a small business entrepreneur, you need to anticipate future needs and also build a relationship with the bank using statements of operation. Such pro forma statements will help you to obtain loans and in the arrangement of funds as they project the future results of your business.

Make the Cash – Work

You must keep your cash balance in those accounts which earn interest. These accounts have a minimum balance requirement and are available with most banks. But if you want to keep bulk funds, avoid these accounts as they earn lower interest than saving accounts, money market accounts or CDs. You must transfer your funds to high interest earning accounts while maintaining aminimum balance in the minimum balance account.

Small business owners can maintain separate payroll accounts with bi-monthly cycles. This will help you to reduce extra administrative cost which is charged on collecting, tabulating and verifying payroll information. And by making direct deposits in the employee account you can avoid the cost of check writing and delivery. The cash should be transferred to payroll account just before payment to so that it can earn as much interest as possible.

Maximise Inflow of Cash

There are many methods to increase cash flow if you sell products or work on contracts. In case the order is large, complex or one time, it is logical to have 50% of the order as a security deposit. And if you work on contract, you need to set payment schedules. You need to set amounts that are parallel to or exceed the sinking cost. You should charge for any of unique modification demanded by customers.

If your small business if active in an industry where you offer regular service to your customers or deliver products regularly, consider a prepaid subscription. Apart from receiving cash up front, you will also secure the future sales. Receiving cash before proving service needs special treatment while accounting makes sure you take help of an expert consultant to help you with accounting records.

Minimise the Outflow of Cash                                                     

To minimise the outflow, you need to combine two aspects – cutting short all the unnecessary expenses and delaying payments to reduce demand on cash. Repair all the capital equipment rather than spending on replacing them and getting new ones. It usually a good bargain for small businesses to invest in used equipment than buying new equipment.

Cash is king when it comes to small businesses o any business, for that matter. It is important for small business owners to give attention to improve cash flow. As it might get tough to manage and enhance cash flows in growing businesses, a skilled and experienced consultant can handle the situation in a better way.

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Bitcoin trading: A walkthrough

The latest news says the value of Bitcoin has increased several times its original value from the date of creation. So, as we all are curious to find out the end-to-end process of cryptocurrency, Bitcoin and transaction there are many others who have started trading in them. This article is an insight or the basic and most fundamental knowledge provider on how to start trading in Bitcoin.

what is cryptocurrency 

The basic rules would be:

  • Setting up trading accounts
  • Identifying quality traders
  • Acquiring best equipments and sites
  • Moving the profits to cold storage

Trading accounts: Selecting the best swaps to trade can make an immense difference and help you make much money than losing it. Some of the best trading accounts are Coinbase, Bitfinex, and Poloniex.

  • Coinbase is the easiest and trustable digital medium for an average individual to get began with digital currencies. Bitfinex is a reliable platform for active traders and they top the trading volumes. Poloniex is new, yet gained popularity in a few days.
  • On top of everything, you cannot make your exchange medium your bank. So no matter you choose the best platform make it essential to move your currencies to cold storage.

Charting tools: To make your trade active and keep yourself updated then you are in a place to utilize the best charting equipments for analyzing and making it handy. It has charting and order execution for all the important digital currencies and exchanges you make.

  • The best fact about Coinigy is that it comes in desktop as well as in mobile so that you can carry it around and be updated on the exchanges that take place. A must-have tool if you wish to become an active trader.

Cold storage: The disclaimer would be, never trust exchanges and make them your bank. And to avoid that you can shift your storage to a medium that is safe and not connected to the internet. For example, Trezor, which is a hardware Bitcoin wallet with ultimate security.

Trading community: The trading medium is the most important of all the steps you take, you are advised to take up the training and perform the activity every day to know more about it and master it.  For a profitable Bitcoin trading, you need more insight and effective management skills, for which you can always look out for the courses or tutorials and equip yourself as a trader in this field.

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Importance of payroll process in an organisation

Payroll plays an integral part in all organisations. Payroll process involves payment determination of employees for their work in the company depending on their time or productivity. It also includes calculation of benefits, and statutory deductions. It needs to be processed periodically such as weekly, bimonthly, monthly or even daily in some cases.

An organisation’s payroll department is not only responsible for employee’s compensation. It is also required for protecting the company’s reputation by ensuring compliance with various legislations. Many a times payroll is viewed as merely a processing function. They fail to recognise is importance and overall effect it has on businesses. Payroll can potentially affect every aspect of the organisation, right from its reputation to the morale of its employees.

Increase employee morale

A critical aspect of payroll is its impact on the morale of the employees. Employees need to feel assured that they can be paid on a consistent and timely basis. Late payments may cause employees to question the financial stability of the organisation. It could also compromise on the work environment, which could lead to underperformance as well as ignorant behaviour towards the organisation. Employees are the building blocks of every organisations, and thus the importance of a reliable and accurate payroll cannot be overstated.

Importance of payroll process in an organisation

Compensation Package

Payroll helps an employee to feel his net worth within the organisation. It is not simply limited to their compensation though. It includes everything compensation as well as salary, bonuses and benefits are incorporated into payroll. Depending on their overall annual performance reviews, employees are typically rewarded with a salary increments or a hefty bonus or in some cases both. This has usually known to boost an employee’s performance and lead to a positive effect on the organisation.

Uphold Company’s Reputation

Apart from financial obligations that an organisation has towards its employees, it also has to ensure that its payroll activities adhere to the country’s tax obligations and comply with employment legislations. Its ability of being able to meet tax obligations on time and following legal compliances is required for establishing the organisation’s reputation as a stable employer. Eventually this can ultimately attract and retain the right pool of talent to the organisation.

Re-allocation of Resources

Manual paperwork or even spreadsheets involved in computed payroll make the process an extremely time-consuming and manual job. In addition payroll needs to calculated  regularly every month. So extra resources need to be employed in time to ensure the accuracy and precision of payroll calculations.  Many organisation are increasingly relying on reliable payroll software systems to tackle these issues. These systems allow a more comprehensive data management and provide companies with customised reports and enable taking informed decisions. Moreover they are up-to-date with the latest legislative changes and thus, organisations need not worry about an overhaul on their current payroll system just to keep up with recent legislative changes. Payroll automation also allows companies to save on costs in the long run. It frees up valuable resources that can focus on other business areas of the organisation.

The payroll department is integral for the organisation’s image. It enables everyone to determine a company’s culture, branding and financial stability simply by looking at its payroll processes. Thus, it makes sense maintain efficiency of this key department.

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PUBLIC LIABILITY INSURANCE: Is it Expensive?

Protecting your business is important if you work with clients or customers, especially in public spaces. This is a protection against claims of damage as well as injury. It sounds negative, but it’s true. We have to be prepared for unexpected accidents that we have no control of. This is part of running a business. Even though you work with extra caution, there are really accidents that we cannot avoid.

This is the reason why Public Liability Insurance or PLI is very important. This is the foundation of any trade insurance policy. It serves as a protection that your business needs against customers or public claims for any injuries or maybe damage to properties caused by your business. But does our business really need it? If PLI is really important, how much is it gonna cost?

The Affordability of PLI

The cost of PLI or Public Liability Insurance will depend on the nature of your business. The risk factors that your business activities might cause is also another way to determine the price of your insurance. There are insurance providers anywhere you go but each of them will give you a different quote depending on your business type, and possible claims that you have recently made. At a starting price of just £53 annually, Tradesman Saver can provide you with an insurance that is cost-effective even compared to any insurance agencies that you can find on the internet today.

The Coverage of Public Liability Insurance

Your business needs to have a Public Liability Insurance. Though this is not compulsory for all businesses, this will serve as your protection. This is both protection for your business and your clients as well. PLI covers the following cases:

  • Damages and injury claims caused by your business.
  • Protection for accidents while at work like loss or damage to 3rd party property.
  • Cover any legal expenses spent while defending any claim against your business.

How Insurers Calculate the Cost of PLI

            There are a number of factors to consider when an insurer calculates a premium for your business. The factors may include the nature of your business, the industry, where you work, and the scale of your work. Remember that each construction work has different risk levels. The insurer will assess the risk level of your business before you will be given a quote. If your insurer believes that your business is risky, then your premium will be higher. A good example would be a professional electrician and a painter. The risk of a wrong job that an electrician might cause would be higher than a wrong paint job. This means that the electrician would have a higher premium compared to the painter.

Public Liability Insurance is not just another thing that we have to worry when we run our business. This is an initiative that any business owner can take for possible accidents that can happen in the future. As long as you choose the best insurance provider, you are sure that you and your business are in good hands,

 

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Highly qualified locksmith organizations provide guaranteed results!

In the day of the modern business world, it becomes much more important to secure one’s data for its effective usage. Well, such an idea is also applicable to other products and the properties of people. Though people have practiced various security features to ensure one’s protection in some cases such an act of safety could result in quite an issue among people. This includes the car and the residential door lockouts, and the damaged or lost keys. In such cases, locksmiths are the ones who could provide the necessary solution to such issues and proves more helpful than ever. They are experts in picking the lock, making keys and ensuring one’s protection with an ease. As the people tend to show greater interest in terms of the technology one could witness numerous changes made onto them to improve their level of comfort in getting the required work done and such technological features are also greatly reflected in terms of their business. This is also applicable to the locksmith organizations; as a result, it also increased more in numbers to meet the various requirements of people.  And one could also approach them easily with the help of internet. A simple search with a term Locksmith near me could fetch the complete information of all such organizations in the nearby region.

qualified locksmith organizations

Why do we need them?

Even though the locksmith organizations could prove quite helpful but the majority of people do not care to pay much attention to them, and some would even doubt the actual need. Well, it becomes more important for people to remember that picking locks is not as easy as it sounds. It requires a certain level of skills along with the experience to get it right! And it is also important to remember that most of the lockouts result in emergency situations under such cases one needs to get the work done as soon as possible. Speaking of such qualities the locksmiths are the best suitable persons. And with the modernized culture of their living, people tend to secure numerous products for its effective use. This, in turn, calls for the improved safety features and their corresponding lock picking actions. And this modern approach results in greater improvisations on the locksmith organizations to meet any kind of emergency situations.

Finding the right one!

People tend to look for the best services providers in the industry to get the best level of services when needed. And such a factor becomes more crucial when it comes to selecting the rightful locksmith organizations given their services under emergency conditions. This modern method of selection make provides a greater level of comfort to people in finding the desired organizations without involving many hassles. The best way to pick such an organization is by means of online which helps people to get the list of best serving organizations and compare them based on various features to refine the search result to get the top most preferred service provider. It also makes it easy for people to pick the nearby ones for reducing the downtime. Thus a simple search term Locksmith near me will do the trick!

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Cash Loan Options for People on Welfare Benefits

Do you need money fast?

It can be very surprising that people who get social assistance benefits can also provide an instant cash loan. Of course, there are certain requirements, as is always the case for borrowing money, get pikavippi heti ilman luottotietoja here now. Here you will discover the many options for getting a short-term loan, even while receiving social assistance benefits.

Government Programs

The best way to avoid borrowing money in small or large quantities and on short notice is to check the various options offered by the government. You can find many government-sponsored programs that provide loans fоr a variety оf reasons, including repairing your home repairs. Just check with your local courthouse’s human services office and identify the plans you are eligible to borrow quickly. The remaining features of these loans are their low-interest rates. Generally, welfare payments mean a steady income, and you are likely to get the loans. Another option for a loan that you should look for is the Social Security Loan Department Verification Program.

Usually lenders

Even if you get government benefits, your choice of instant cash options is not limited to bad credit lenders only. Here are some options you should not ignore when looking for money quickly:

Traditional Banks – People with good credit ratings can borrow funds quickly, but it’s hard to get loans from traditional banks for those with bad credit. If you have a good relationship with your banker, your loan can be approved quickly.

Car Title Titles – In case you pay all your bugs to your car and its title is clear, you can take advantage of this loan, but expect to pay a high-interest rate. It takes time to read and understand the contract before signing it.

Check Advance – Like paying someone else through paychecks, people who get financial benefits are usually offered in cash by payday lenders, even if the borrower is unemployed. Checks issued by the government are more than fulfilled the terms and conditions of most lenders.

Online Lenders – They are fast and easy to manage. When you are looking for money fast, you will find helpful online lenders. Even if your credit history is bad, you can usually see an online lender that offers you money fast.

Bad Credit Lenders – If you look around your area, you can certainly find a pair of lenders. Even if you can see the interest rate a bit high, you can expect a quick approval. They make an excellent choice for low income and poor credit. Get pikavippihetiilmanluottotietoja now.

Why do lenders view benefit recipients as good clients?

The average feeling for people who get a benefit does not take into account their credit score, they do not qualify for a quick personal loan. But they are wrong. The fact is that most lenders, including banks, like to lend money to these people because they know that the government is compatible with the payment of welfare funds to people. In this case, the lender’s money is safer than the other jobs because the borrower is not afraid of losing his job.

Additional benefits

If you use social assistance funds, you may qualify for additional funds, allowing you to pay for your personal loan more easily and quickly. Those with a decent credit rating can expect a quick loan approval.

So, now that you know a variety of options to get fast loans, even in the case, do not hesitate to approach lenders when you are facing a financial crisis.

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Top Reasons Why A Judge Denies Sale Of Structured Settlement

After winning a case or signing a settlement for an injury claim a plaintiff is awarded a sum. The payment may be given two ways: one lump sum of the entire amount or through a structured settlement which means the plaintiff gets their winnings over a period of time. When the winning party does not like the structured settlement terms they have the option to sell the settlement for cash, but only when a judge gives their approval.

Sadly after doing the paperwork, waiting for the court date, and going through all the legal hoops, some are denied structured settlement sale. To avoid getting denied the sale of your structured settlement, here are the most common reasons why a judge might not approve the sale:

Reason 1: Sale Is Not For the Seller’s Best Interest

The most common reason for a judge to deny the sale of a structured settlement is when the seller does not benefit from the sale enough. There are some purchasers who charge a very large amount for their services and the winner of the settlement case does not get a fair amount back. The judge is only looking out for the best interest of the seller and will not approve the sale.

Reason 2: Failure To Follow Court Procedure

A seller may be denied the sale of their structured settlement because they did not follow the proper court procedures for the sale. If a plaintiff does not consult with a lawyer and a financial adviser as the court demands their sale will most likely not be approved. Again, a judge does not approve a claim when they see that the sale is not in favor of the seller.

Reason 3: Lack Of Paperwork

A result of not consulting with a professional who knows how structured settlement sales go is passing the wrong or missing paperwork. If a seller claims that the sale of their settlement will go toward college tuition and paying off debt, they must produce papers to state that they are enrolled and that they have the capability to acquire employment in the near future. A judge who is convinced that a sale of the settlement will not create a better future of the seller will most likely deny the sale.

Reason 4: Plaintiff Cannot Manage Assets

A big reason for a denied structured settlement sale is when the winner of the case shows signs of financial irresponsibility. A person who has deplorable credit scores and has the habit of gambling, or spending too much on worthless things will be denied the sale. A person who cannot manage their financial assets will most likely squander their winnings instead of using it as an investment towards financial freedom.

The court and the judge are not out to make life more difficult for people who want to sell their structured settlements. They work and study cases to ensure that the sale is beneficial for the seller in the long run. Expecting a quick payoff will only lead to disappointment. Consult with experts at structuredsettlement.us.com to see what the best reasons are for selling your settlement and to avoid getting denied. You can browse thru https://www.justice.gov/civil/structured-settlement-brokers to find out more.
A judge can block the sale of a structured settlement. We list down the top reasons why the court will do such a thing at structuredsettlement.us.com.

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GROW Your Team with REFRESH MARKETING

Do you think your team needs an extra training? If your people are not performing at their best when it comes to emails or reports, and proposals are not satisfactory, then your internal operations would need a refresher. Your team’s end-product should be well written and easy to understand because if not, your brand will suffer. Good thing that you can change that overnight.

Vikki Maver of Refresh Marketing is offering a one-day business writing course which promises a huge change with your team’s writing. Your success will depend on how your team works. Satisfactory results will end up with satisfied customers. If poor writing is plaguing your team and your business, you just need a little push. Refresh Marketing can help you pave your way to success.

Meet Vikki Maver.

Vikki Maver is a content writer, business copywriter, a marketer, a writing skill trainer and a Former Monash University lecturer. She has been a freelance copywriter since 2003. Since 2008, Vikki started running writing skills workshop to help other businesses to improve their writing skills. She believes that helping others become more confident and competent in writing is rewarding.

What to Expect?

            In just one day, your team will be effective and confident writers. This training is focused on plain English writing. The practical techniques that your team will learn through this course will help them write clear, simple and concise content. Your team would be able to focus on their audience. It is also important to learn how to plan, draft, edit and proofread their works before it is submitted. This course will help your team focus on writing with an impact and influence that would be very interesting to the readers.

The Training Process.

    Through the workshop, the training process will be interactive and practical. Refresh Marketing will tailor fit your training with what your organization needs. There’s no need to go anywhere since the training will be in your office and you can choose the date that would be convenient for you and your team. The fees will be a fixed amount for up to 15 attendees.

Training Guarantee. 

            Refresh Marketing has been in this training business since 2008 and has achieved success since then. Vikki Maver guarantees you with her years of experience your team will get the best training that they need. According to her previous clients, the team that she handles will definitely be ready for the next day after the training. Your investment is guaranteed. If you think that your people did not receive the training that you promised, Refresh Marketing will not let you pay any amount.

Why Choose Vikki Maver? 

            If you are in need of writing skills training, there are a lot of options to choose from. However, Vikki Maver from Melbourne has received outstanding reviews and feedbacks from her previous clients. What makes her stand out from the others is her drive to help other people to become better. Since she is a very good writer, she made it a point to share what she knows with other writers and aspiring writers. She’s a professional but very easy to work with. It’s her goal to help other businesses steer clear of poor quality content and help them reach their goals towards success.

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