New Year, What's Next!!

by ExpertBlogger 2. January 2018 10:52

New Year is already here and everyone has welcomed New Year with joy and fresh resolution for coming year, it is always amazing to welcome New Year with fresh attitude and new perspective, looking at what we have done wrong in past year and correcting those mistake and doing better in coming days.

We always take a resolution for yourself and at this new year when we entering into 2018 we wish that people should consider and take up things which are generally overlooked we should take resolution to take make this world a better place and think that how we can make our contribution to the society in term of helping those who are in need and giving them level field to compete in this competitive world.

So this New Year talk take up resolution to do some social work or community work. Spend you valuable time with people who do not have anybody around , visit places where humanity still exists and finally to some charity which will help those next generation for better tomorrow , and when you are doing this have you kids with you because that is most important thing because you need to pass these values to next generation and your kids will learn this great thing you are doing and encourage them to care about society and increase their social awareness which is most important thing to have.

We have seen that these days people are connected through digital media but in really they are socially so much apart that it is very difficult to do social interaction as everybody feels like it is the last thing they need to consider and believe me this gap is just going to increase in coming days and we have huge responsibility in our hand to teach our kids that , this is not just you matters , this is us , people around us makes us social and responsible. If we could not do this then we will be living in isolated world in crowded city.

This New Year let look around and try to do thing which we are missing in this digital world, give time to real people rather than phone calls and video call. Feel the real touch and hold the hand who need you hand because at the end you take nothing with you it is your memories and how people see you when you are gone.

And lastly have Great Year ahead!!

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Expert's View

Shopping, Gifting & Fun this Season : Happy Holidays

by ExpertBlogger 6. December 2017 16:24

Holiday’s such as nice word to hear, when you hear about holidays then you feel so relaxed and you would like to cheer and enjoy every moment of this, we can meet to friends and family. Share good bad in the year and finally welcome brand new year for new beginning

In the holiday seasons along with fun there is another important thing everyone does is shopping , yes tones and tones of shopping which start with thanks giving holidays and ends with I mean it does not really end but kind of stop at new year’s. I personally visit many store during this festival season and this article about to share my experiences. not to mention all the store and online shop they start their holiday preparation well ahead of time right from hiring new extra employees, ordering all the goods and making sure that infrastructure will run and have enough backup plans because they cannot afford to have anything stop for even for hour, the impact that can have on their sales will be huge.

Now talking about shopping there are many thinks which surprise me, I mean the amount of discount they offer while this period is insane. Something I think if they can afford to sell any item at that price then what about the people who bought that same item in other time of year at the high price are those are fools. On the other hand some good and articles has almost same price as year around but people just think that this is holiday time and all things are on sale so this is cheap and they tends to buy everything they can. Every time person goes in the store to buy one thing and end up purchasing other items just because it holiday season, also this season is gifting season keeping that in mind all stores designs their product in terms of gifting solutions. And advertise them so hard that they kind of divert one’s mind to go and buy the goods if someone has not thought of buying. 

Sometime it just amaze me the enthusiasm of people about shopping in heavy winter , standing in those long lines , for some people it’s fun for some people its thrill and some its experience which they want to enjoy. Every online website is filled with deals and promotion and that what make people eyes to want it. Overall I think alone in this 2 months people must be spending almost double amount they spend in entire year.

So If you are shopping be smart rather than wasting your time from store to store and use technology , look out for your finance and  make your holiday shopping experience better than before.

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Expert's View | Finance

Think about your insurance, It's Important!!

by SuperUser 12. August 2017 14:16

Some scholar has said that Health is wealth and all of us like to be healthy, wealthy and wise. However, life is unpredictable and it often throws a curve ball at you and suddenly a normal life style translates into a spree of visits to the healthcare centers, a tedious regime of having medicines and the feeling of anxiety each time the visit is made to the physician. Health hazards are inevitable and in today’s times they lead to some serious outflow of money if a proper health insurance policy is not in place. A good health insurance plan acts as a cover during the difficult times when the raging costs of medical care poses financial crisis towards an individual and his/her family. With stupendous development in the technology, the health care has also advanced to match that, however a good healthcare for all kind of ailments which include the life threatening ones as well isn’t so easily accessible yet. The quality treatments and procedures for complex diseases and are still unaffordable by a major chunk of people.

In order to combat this challenge and to cater healthcare to every individual which is the right of every human being Affordable Care Act popularly known as Obamacare was chalked out and executed in America during Obama administration. It clearly cites the importance of a good and quality treatment given to the citizens irrespective of any caste, creed, and gender or class discrimination. Some of the highlights of the controversial ACA are healthcare with gender discrimination, increased cover for individuals, saving the individuals from the unfair costs incurred by insurance companies, providing the healthcare to kids and to larger states of America etc. The ACA bill has made a strong statement throughout the world for the compelling need of robust and effective health policies to be implemented and it’s more of a State’s affair than an individual’s. In developing countries like India health insurance companies have penetrated the market , however they still have a long way to go , as a major chunk of society that includes the people living at or below the poverty line still are unaware of the importance of health insurance and they do not bother to seek one too. The people that belong to middle class and upper middle class sections have become aware and also they buy the medical cover too. In the nineties era buying a health insurance was more of a rich’s affair and a luxury, however with the advent of unhealthy lifestyle and globalization this has become more of a compulsion now. The ease of cashless benefits, appropriate and timely treatment and the reimbursement of the charges incurred irrespective of one’s financial condition. Uninsured people have higher probability of dying due to poor health results than the people who are insured and have medical covers. The uncertainty of situations have led the employers to give a medical cover to their employees in the circumstances where they or any of their family member gets into a medical problem. The follow up medical provisions also become accessible without any hassle. Health hazards are irrespective of age and apart from casualties there are chronic diseases especially noticed in youngsters these days due to pollution, stress, unbalanced diet and sedentary lifestyle.

Health covers are carefully designed to cater to every age group and patients with exceptional needs as well. Getting a policy done at an early has its benefits in form of low premium costs, less waiting period, better coverage and quick renewal. The government of states have started promoting health covers in order to provide good health care to the citizens under unexpected conditions. To combat medical emergencies and to avail better care at the affordable costs, should be the aim of every health plan worldwide. The private and government companies both have a large market in the health insurance sector. The providers and the companies have direct tie up and this has yielded a convenient channel for the insurers to get everything without any manual intervention.

Health insurance is the major breakthrough in the healthcare industry now-a-days due to uncalled for situations and newer medical conditions. Every individual should rightfully be insured and he/she should do this at an early age and for everyone in the family.

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Expert's View | Finance

Have you done your investment yet?

by ExpertBlogger 10. June 2017 10:54

In my last article I have wrote about the need for investment and how that is necessary for everyone. I know some people always wanted to see their money in the bank and it make them happy but the point is that money does not grow and even it is growing it is growing with very slow rate.

Now when we talk about stock market investment then people often get reluctant because of its high risk nature and the research goes around it. I know the stock market investment is away been at high risk but it is always seen has high profit bit to do that you have be on your those to do you reinvestment and follow market every single day along with that you to follow new for the companies which you own the stock and make a wise decision depend or every trend in market, yes it seems hard and it is but if you are good at it then you can make lot of money sitting at home and doing smart click

This article is not about telling you to trade stock but there is also another opportunity to invest which is combatively low risk it is called mutual fund, these are the type of investment according me everyone should be doing because mutual fund managers and companies does their own investment and research for investing in all the stock and along with that they do other investment apart from the equity investment. Over last few years people have made decent profit by investing in mutual funds. 

If you don’t have money on upfront then there is provision done by mutual funds where you can do systematic investment every month and you can take advantage of ups and down of volatile market. It has been seen is pervious year the if market is gone down there is very little effect on mutual funds because they will holding diversify portfolio where other means of investment give you support when stock market is not in your favor.

Now when we think of investment there and many brokerage account which allow you to buy /sell or trade stock and mutual funds but there is always fees attached with that and that can be overhead but now there are many free stock trading providers are in market which allow you to trade freely without any charge on trade transaction and that is huge pulse for new buyers which want to enter. We always think about secure investment but there is need for investment then you have to balance between high risk and low risk investment opportunity because you should feel that you have miss the bus in thinking and people have made smart money. 

So what you are waiting for go ahead and taste the water, it’s never too late for investment. 

 

Disclaimer:  Stock market investment are subject to market risk, please do you own research about your plan before investing.

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Expert's View | Finance

Buying an Insurance? Be Smart and Do your Homework.

by ExpertBlogger 28. April 2017 17:24

We live everyday life with ease and we always want be like that, anyone on earth don’t want their life to be disturbed with any sort of bad things. But we all know that, this is not going to happen and every now and then there are some unexpected things will happened in our lives and we should be prepare for that in every sense including mentally, physically and finically. We can control our mental and physical trauma of any event but when it comes to finance it is really not in our hand and cost of any happening would be outrages. Then it comes a magic word called Insurances.

I Just wanted to discuss is how important is to have insurance for each and every one no matter what we do and more than that how important to choose right insurance with right plan  knowing that Insurance helps us in every part of life right from medical insurance to car insurance, home or mortgage.

Now some people who are good drivers they get annoyed with paying huge amount of money in their car insurance even though they have not used this anytime in their life even government made to take the insurance mandatory, same with medical those people really don’t use it and pay high premiums.  Generally when we talk about high insurance cost for anything from car to medical it boils down to underline cost of care. In case of medical there are some people who are using their medical insurance at the peak and there are some who are just paying their premiums and not using at all, also the plans for these insurance companies are so difficult to understand that a normal person take lot of time to understand. In this situation you should consider visiting and insurance advisor and figure it out that which plan is best suited for you. Instead of paying high premiums if you get the right plan it will save you tones of money.

Similar thing applies while buying care insurance few things you can remember that if you are driving less miles then you can choose a company which gives you discount on lesser mile. Now liability insurance is compulsory in some of the state but other things are not, let say if you are driving 10 year old car for glossary shopping then there is hardly any need to get collision and comprehensive insurance because even if met with an accident then the deductible will be so high on those that you could repair your own car with that deductible and if at all if it is major one then it is not worth to put that kind of money on that old car oh unless it is vintage one.

In nutshell , Insurances are most essential part of our life but when you are choosing it please make sure that you have done your homework for last 3 years your behavior and choose the right plan and after all you get once year chance so it’s worth the time.

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