How To Save Money On Your Two Wheeler Insurance

Tips to save money on two wheeler insurance

Many people in India own two wheelers. It is compulsory for you to buy a two-wheeler insurance policy if you own a bike or a scooter. But can you reduce the insurance expenses? Sure you can! Just follow these tips and you will see a difference.

Avoid making smaller claims: Before you make a claim, see how much the bill amount is. If it is a small amount, pay it yourself. Making numerous small claims will unnecessarily bring down your NCB to zero which will overall lead to a loss.

Attach anti-theft devices: A car insurance plan offers protection against theft and other dangers to the car. So if the car is found to be safe and less susceptible to thefts and break-ins, the insurer will offer a discount on the premium. Therefore look to install some anti-theft devices to the car to not only keep it safe but also to reduce your insurance costs.

Be a good driver and earn No-claim bonus: Driving carefully will reduce the chances of your car getting into mishaps. This will reduce the need to make claims and you will earn NCB. The NCB will in-turn pull down your insurance premium costs.

Renew two-wheeler insurance before expiry: Do not wait for the two wheeler insurance policy to expire before you renew it. If you have a lapsed policy, you may need to pay some fees and fines to get a new plan. So always try to renew the policy on time to save money.

Buy online: It is known fact that insurance bought online is cheaper. So buy a two wheeler insurance plan online and save a considerable amount of money.

Choose the right kind of cover: If you have a two wheeler that you use occasionally or is almost on its way out, opt for a third party cover. If however your bike is used daily and is a valuable vehicle, go for a comprehensive plan. Knowing which cover you need will help you save money.

Deductibles: Every two wheeler insurance plan has a deductible component. This means that as the policyholder, you will have to pay certain amount at the time of a claim and the insurance provider will pay the rest. A high deductible will lower your premium costs and vice versa. If you are confident of your driving skills and feel you won’t need too many claims, opt for a higher deductible. This will help you save money on your two wheeler insurance plan.

Compare: Last but not the least, you most definitely need to compare the available car insurance plans to get the best deal at the best rate. This is one of the easiest and quickest ways to save money on your bike insurance plan. Compare when you buy a new plan or renew an existing one.

Judge Some Facts Before Exchanging The Money

When you will go traveling, then you have to take the things, which you will need in that place. It is necessary because you will not get the facilities of your home there and you have to be prepared for every situation. But when the matter comes to the visiting of a foreign country, then apart from our excitement we have to think about the thing first is the money. As all of us know that there is variety in the currency of different place. So, we must take the proper currency of that place as we cannot do anything without it. There are some methods, by which you can exchange the money, like the banks, the ATMs or from some brokers.
The banks are the most reliable medium for exchanging the money. You can be assured by the fact that you will get the service authentically. They will systematically exchange the currency and you don’t have to think about it. You can also convert it from the banks of that place also. You will get the same reliable service. But as you are going to a public sector, then it will take some time and you have to wait for it. So, if you don’t have the time to wait there, then you will face difficulty by exchanging through the banks. The banks also charge high rates for converting the money, then it can be expensive for you.
You can take the money from the ATMs also. It is the most convenient medium for getting your cash, as you yourself will draw the money and you don’t have to depend on someone for this. So, you can take the money whenever you needed and it is the fastest service. But there I also the problem, as the ATMs charge a very high price for drawing the money. It will become more expensive for you as you have to pay more than the normal transaction. If you think that you will get the money at a time, then also it will not be safe for you to carry so much money to an unknown place. But with every transaction, you have to pay the charge.
When you will try to go some brokers for Cash Exchange, then it becomes easy for you as you can get the money by sitting at your home. You can do it by online and the agent will come to your home and will take the money from you and will also return it within the given time. It can be a suitable option for you as you don’t have to do anything for the exchanging the cash. But there also can be a problem as the matter is about your money, then you have to be a little careful and have to know about the broker and the agent, who will be the medium of transaction. If they are not reliable enough, then your money will not be safe enough. There is also the matter of the false currency as it has happened in the services like Australian Currency Exchange. So, be careful about every facet of exchanging your money so that you don’t have to waste your money in the wrong place.

Sip Calculator Magnetizing The Investors Towards Online Investing

Online investing option has reached to a higher level with the introduction of SIP calculator. Making the calculation of SIP amount easy, the tool is handy to use as well. Let us understand the concept of SIP calculator with a story. There were two friends Yash and Rohan. Both had passed out college and were placed in MNCs. With the commencement of their career, they took a resolution of initiating their investment also. Yash was very trendy, and new technologies magnetized him. On the contrary, Rohan was simple and was not much of a techie. As both of them decided to invest, Yash did all the research online and also prompted Rohan to take up the online investment method. But, as for Rohan, it was not his area of expertise. So, Rohan relied on the mutual fund agent, and Yash went for online investing. When it came to deciding the amount to invest as SIP monthly both were confused. Yash took the help of an SIP calculator, and Rohan trusted the agent. But, the outcome was that Yash got the exact amount required for investment and the agent failed to calculate the precise amount and thus took an approx figure. Thus, for the same scheme Yash paid the correct amount that was required and Rohan had to pay a little more due to the inaccuracy of calculations.

The story signifies the importance of SIP calculator in the investing process, because the amount of SIP decides the corpus (the main aim of investing). Especially in the online investing the role of an SIP calculator is of vital importance. The investor advances towards being free in order to make the optimal use of their money. SIP calculator acts as a catalyst in aggravating the process investment through proper channel.

Features of an SIP calculator:-

There are a lot of features which motivates an online investor to use SIP calculator. A few amongst them are stated below:

Easy to use:

SIP calculator is an easy tool to operate on. The user-friendly approach is the striking feature of the tool. Providing an environment of smooth functioning and quick calculations, an SIP calculator in India is making online investments attain new heights with each passing day. The main reason of the increasing inclination towards online investment is the handy tool (SIP calculator), which ease out the complex calculations manifolds.

Using CAGR:

SIP calculator uses the formula of CAGR (Compound Annual Growth Rate) to calculate the returns. CAGR is the most widely accepted concept for the growth calculation of investment over a period extending one year. The calculation of CAGR is very complex and not beyond the grasping power of non-financial people. It is a mind wrecking concept and takes time to understand. But you need not worry. The CAGR calculation is simplified with the help of SIP return calculator. Paving the way for quick and easy calculations, SIP return calculator has become a defining point of online investment.

Targeting accuracy:

The goal of an SIP calculator is to provide results that are 100% accurate. But, it works on the inputs that are fed to it. Any mistake in the input data leads to an erroneous result. Otherwise, the result shows the exact and accurate outcome without the mistake of a decimal place. A perfection of that level is surely a strong feature of SIP return calculator.

Top Five Intra Day Trading Tips To Become A Better Trader

In words of Warren Buffet The stock market is a device for transferring money from the impatient to the patient. Let’s read between lines. The investor or trader who is impatient (frequent buy/sell strategy) transfers money to the patient (holding strategy).

Find below herewith five tips which should be followed by a day trader:

Take advice of professional trader

Before one starts day trading it is better to take advice from experienced and expert day trader trainer. Every trainer will have different teaching method and style. See for one who has good teaching method. He should also suit your trading style. They may be ready to teach in their free time. He may charge the fee. As he is spending his free time with you. But it is worth. You can assume that paid fee as an investment, which you need to get knowledge. They are the best share tip providers when you trade.

In future when you grow big, many newbies’s will come to get knowledge from you. At that time you can charge them likewise.

Gather information from financial news

One has to gather news from across the globe. Segregate relevant news, which affects your business. Analyze and set priority which news will most affect your business. Stay updated on news like meetings, change in government policies and rules. Local, national and international news should be followed.

M&A, financial results, entry/exit of members of BOD, etc. These types of related news of the company one have shares in, make sense.

Though the news does not impact a common man but may have an impact on your investment in the concerned company. This news helps to take a smarter decision, especially while trading shares. Through nifty future tips also one can gather information.

Treat trading as any other business

Take day-trading as any other business. It is not a hobby, but a serious business. It is not for fun that one is in day trading. Like any business, it needs devotion and dedication. Trading is a part. One has to devote a lot of time preparing a plan. Study different charts before coming to any conclusion. Follow news on TV, read business magazines, study reports etc. It is a full day activity.

Keep eye on professionals

One should study professionals. What they are buying, when they are selling. For how much time do they hold the script? Since they have experienced one can learn a lot by keeping eyes and ears open and mouth shut. If one makes mistakes, then analysis the mistake. What went wrong and where? You can find them in many share market advisory companies.


It needs time, energy and devotion to master the skills. As the old saying goes Rome was not built in a day It was destroyed and then rebuild. This process was repeated many times over. Even if one makes loss he has to get up again for a fight.

Traders do not profit all the time. Many a time they incur losses. So one has to be prepared for losses and have patience during the time of loss. Commodity tips are also helpful to know the market trends.

Today’s successful traders were also novice once in a while. They got success by their hard and smart work. They had put in their efforts, made mistakes, but kept up their learning process.

Personal Finance for a Dummy

When it comes to personal finance, some people just don’t feel up to the task. They feel overwhelmed by all the options and complexity of high finance. I’m here to tell you, personal finance isn’t that complex. The basics are pretty simple. I will, however, attack the problem in a different way than you might be expecting. 95% of what’s important in personal finance is all about your attitude about money. If you think and feel money is somehow bad – bad is what you will continue to get. Focus on practicing positive thoughts about money.

Practicing positive thoughts about money isn’t easy at first. It takes work. Every time you start talking about how much money you don’t have, stop. Think about how great it will be when you have plenty of money to meet your needs. Be on guard constantly, but don’t obsess too much because you’ll drive yourself crazy if you do. Cut yourself some slack for being like almost everyone else as you struggle through getting your thoughts on a consistently positive spin. Once you’re properly focused on the 95% important part of thinking positively – then it’s time to do the simple, basic, personal finances part: you need to spend less than you earn.

Spending less than you earn is where it starts – understanding how much you earn and when. Then, understanding how much you’re spending, where and when, is next. In other words, you need a budget. If you’ve got bad feelings about the word budget, go back to the first two paragraphs of this article. You need to feel good about money and the tools for kicking it in the butt and telling it what to do. You need to learn to feel good about budgeting. Once you’ve got simple budgeting handled (and it is simple -it just feels ten times harder than it really is when you first start out)…the rest is easy.

I Am Looking For Ways to Get Additional Financing For My Business – Where Should I Start?

I am looking for ways to get additional financing for my business. Where should I start?

Women entrepreneurs have many options available to them to finance their business.

The Federal Acquisition Regulations (FAR) defines a “women-owned small business concern” in Part 19.001 Definitions, as follows:

“Women-owned small business concern means a small business concern-(a) which is at least 51 percent owned by one or more women; or, in the case of any publicly owned business, at least 51 percent of the stock of which is owned by one or more women; and (b) whose management and daily business operations are controlled by one or more women.”

If you meet the standards of the FAR, there are many opportunities to gain women based initiatives for financing your business.

The first steps are determining: how much capital it is that you need? You have to discover: what are available sources of funds for your industry?

The next step is learning how to write a loan proposal and have a financial statement prepared for your company.

A business plan is a must when looking for outside sources of capital. If you have never written a business plan before the book ” Business Plans” in the popular Dummies series is actually a great place to find what you will need to do and what format will work best for your company’s plan.

Only you can determine the direction your company will take and the amount of capital that your company needs to finance.

Guest Guide For Weddings – Wedding Planning Tips

Now that you are about to get married you will inevitably have to send guests invitations. And you cannot have specific planning for inviting guests put in place. Here’s where the need arises for a guest guide for wedding.

This might help in averting possible problems. No web site can provide a full lists of pro & cons of wedding problems. If you are planning to create a website informing your upcoming wedding and to celebrate this moment with friends & family then you could also have a page create where in guest etiquette are defined.

The Bride Guide to Guests

There are times when you can be found wanting. Your guests and who your guests may bring along. Everyone got a definitive budget and list of invitees that can be accommodated. If you permit all guests to bring in their guest then your budget can be over drawn. Only if some guests are busy and cannot reach in time then should you make room for someone else from your finance side to attend. But make sure the cancellations are confirmed and then only are new ones invited.

While delivering the invitation it is vital that specific names are used to call the guests, for instance you & your guest or then your finance and you if you would the second person to accompany the invitee. Thinking about kids? Kids can be classified as infants, toddlers or teenagers.

If the reception is taking place during evening times then young ones would be better off staying at home. If there are more kids you shall be required to make appropriate arrangements. Take kids only if invited. Mention the dress code on the invitation menu itself, if formals are requested then mention the same and if casuals then too make it clear.

Ensure that the gifts received are stored at a safe location away from the hustle & bustle of the crowds. Some of the gifts can be expensive while others fragile so these measures will ensure safety.

By taking the steps mentioned here you will find it much easier to maintain a healthy & prosperous guest relations.

The Guest Guide

You are requested not to be a appalling guest for the host. In the invitation forwarded to you the invitees will be clearly mentioned and if your children are uninvited then it is stated not to bring them along to the wedding reception. And asking the bride about the same will make her feel somewhat awkward. If you still have doubts it is advisable to inquire before hand rather making a jerk out of yourself by showing up with 4 kids at a reception for adults only.

Avoid taking any photos of the ceremonies, later on these photos could be asked for. RSVP should be address appropriately. Your response should be timely, saying yes or no. By dong this you will ensure that you are not hampering their wedding plans. Under any circumstance if you cannot present in person then make arrangements send a gift.

It not necessary that you carry the gift with you to the wedding what can be done is either you have the gift delivered via parcel or registry before or immediately after the occasion. A saving bond or check would be just fine as well.

If you are as alert as for important things and keep good communication then be rested assured that you will never find yourself in a fix and this is why a guest guide for wedding can be very handy.

Are You Playing The Stock Investing Game? 3 Killer Strategies – Stock Investing For Simple Minded

Stock investing for the simple minded. That hurt, didn’t it? Relax, it is just a title. It is also a call to wear tough armor if you want to make it in the stock investing game. It is truly a dog eat dog proposition out here on Wall Street. The good news is that you can make it. If you got your armor on then it is time to do battle but first you need a few weapons. I have included three killer strategies that will help any level stock investor on their way. You will not read about most of these anywhere else so enjoy and always remember to online paper trade first, you will read that again because it is so important. Good luck playing the stock investing game: It is very profitable if you learn from the pros. Here we go:

Taking home winners

Stocks that go out at or near their highs for the day are good candidates to take home and ride out for one or two days. At the very least they are generally profitable in the opening of the market the next day. The market makers are usually caught having to cover their short positions in the opening fifteen to thirty minutes. What usually winds up happening is there is a gap up created and that pop often provides a nice quick gain. The danger in this strategy is the potential for negative news (IE: downgrade, etc.. ) to work the opposite effect. Of course, this is the danger that you always deal with as a swing trader and that is one of the more appealing aspects of day trading – no overnight positions. All said and done, this is a great move. In my early days I did this trade quite a bit and did very well.
Remember to online paper trade first.

Buying ETFs

This has become increasingly popular. Nowadays, there are just about one or more ETFs for every sector. No, “Stock Investing For a Dummy” article would be complete without talk of ETFs. Yahoo Finance provides a nice list that will tell you every ETF known to man. The nice thing about trading the ETF is that you avoid the aforementioned risk that an individual stock holds. Buying an ETF or shorting an ETF (here you have the added benefit of not having the up tick rule) in a hot sector gives you a nice risk/reward ratio. Remember to online paper trade first.

Shorting strategies

Shorting is not for everyone and that is probably a good thing. I lost a big chunk of money early on by making the mistake that so many repeat. I shorted stocks in a strong bull market. This goes against everything that I now stand behind. I make money because I work with the market, not against it. It is very difficult to consistently make money shorting stocks when the overall trend is running the other way. For some reason traders often want to fight this but they rarely win on a consistent basis. With that said, you should be familiar with how to short and when to do so. After all, the bear market comes and goes and if you are trying to long stocks in that environment you would run into the same problems those traders do that short in an up trending environment.

When shorting I look to catch the momentum of a likely falling stock. Stocks fall harder and faster than they do climbing. Big money can be made if you short properly.

It would be wise to consider the following factors that can work in your favor if you are going to be shorting: seasonality (as previously mentioned), sector weakness, etc…

There is a warning that I hope you heed. Whatever you do, please save yourself money and heartache – DO NOT short a stock because “you have a hunch.” DO NOT short a stock because “it seems like it’s got to go down.” Have a strategic purpose backed up with good research before considering shorting. Unless you find yourself in an obviously bearish market I would not even get involved in shorting until you have a few years of trading experience. Remember to online paper trade first.

The Latest Trend In Doorstep Loans

These days, individuals frequently have no opportunity to visit loan specialist’s office to apply for quick cash bolster. Henceforth they begin asking financial assistance from relatives and companions that is exceptionally humiliating. Be that as it may, no more you need to shoulder the disgrace of looking for assistance from companions for banks and facilitates everywhere throughout the United Kingdom have presented Doorstep loans. As the very name suggests, finances under this cash backing is conveyed comfortable doorstep. Additionally, the sum affirmed is all that anyone could need for all your unimportant needs that look for your moment consideration.

Until the point that a couple of years back, applying for extra subsidizes was a testing assignment as you were requested to experience repetitive customs. You were solicited to submit piles from archives. Actually, it took a very long time to finish the whole procedure. The greater part of the circumstances, when you got an endorsement, the requirement for stores was finished.

Be that as it may, things changed with online machine mode that scarcely took a couple of minutes of yours. Simply peruse pages and you will run over different banks offering moment cash backing. Because of regularly expanding rivalry among moneylenders, it has turned into a great deal less demanding for you to pick the loan specialist that offers bargains according to your need.

Render your own subtle elements on an online application frame yet ensure it is finished and exact. Numerous loan specialists may get in touch with you inside no season of applying. You can choose from bargains that suits your current needs. In the event that they are happy with your data, assets may be authorized into your bank tally and you can sue it the way you need with no confinements. From paying pending power charges, Visa charges, stockpiling charges; obligation solidification, child’s instructive expenses to traveling, meeting wedding costs and therapeutic urgencies, you can do everything.

Regardless of where you live in the United Kingdom, you will get cash comfortable home as 12 Month Loans. Assets will contact you either as cash or as a check. Loan specialists will charge financing cost contingent upon your current settled pay and reimbursement capacity. Sometimes, reimbursement residency is additionally broadened. Here, loan specialists charge extra expense for late installment. Be that as it may, paying extra sum isn’t an issue as you can dispose of every one of your inconveniences without running all over.

There is all around the energy among the general population about getting the sum specifically at the entryway with no dreary undertaking by any stretch of the imagination. What’s more, the news is valid and spread like a fire over the United Kingdom. In this way, it is awesome time for those individuals, who used to go to the entryway of the bank keeping in mind the end goal to have exchange about the loans. However, now, the time has come to desert the conventional framework for the acquisition of the earnest bucks in light of the fact that the presentation of doorstep loans UK has been influenced the impact in the finance to advertise.

In this way, the borrowers don’t need to squander their valuable time in going all over on the grounds that the sum something like 100 to 500 is specifically dispatched at the home of the candidates inside round the clock. There is no prerequisite of playing out the hassle full customs. In this way, influence a call to the appropriate loan specialist with the sensible enthusiasm to rate and get the sum as ahead of schedule as could be expected under the circumstances.

The Benefits Of Trading The Commodity Market

Like trading in the Stock market, trading in the commodity market is also very interesting. While one trades on the basis of Stock Cash Tips in the stock market, the trader can trade on the basis of commodity tips in the commodity market. ProfitAim Research is one such advisory firm, which provide both the best Stock Cash tips as well as commodity tips to the traders.
Commodity market seems to be a lucrative avenue to a lot of traders and Investors. In the Commodity market various commodities are traded and one can take benefit of the price fluctuations to trade effectively in the commodity market. Various commodities are listed on the Commodity exchange and the relative prices of various commodities are traded on the exchange. There are various benefits of the Commodity trading like a trader can make huge profits by trying to forecast the Commodity signals. The most important part of the Commodity trading is to anticipate the Commodity trading signals.
Scalping: Intraday Trading Strategy For Commodity Market
One of the important benefits of the Commodity market is that the trader can form a strategy and trade on the basis of it. The Intraday strategies like First hour strategy or scalping techniques can be followed to earn good profits from the trades. Scalping is a technique to look at the price range during the first hour of trade and then look for a breakout from this range. Thus, if the prices break from the high it’s a buy call and a rise in the prices is anticipated. On the other hand, if a breakout from the lower limit of range is observed a down trend is anticipated. Thus, scalping is an important strategy in achieving good profits from the Commodity markets.
Also, there are other strategies available like trading for small profits. In this case small changes in the Commodity signals are generally traded for the profits. Also, a large number of trades are executed to add up to large profits, this will be applicable in Stock cash tips as well. The Commodity trading signals are unassuming but still with a proper plan and a proper strategy good profits can be made through Commodity markets. The trader can also base their trade based on the advice from the advisory firms who provide free Commodity signals initially and then charge a nominal amount for their services. Thus, the Commodity trading is beneficial if done with proper planning and strategy.
Trading based on the Charts
Trading in the stock or commodity market is an art difficult to master. People use various methods and strategies to trade in the stock markets. Trading based on the charts is one of the ways out of them. Various types of charts exist like Candle Stick charts and line charts. These charts can be plotted with varying time scale. The price movement depicted by chart can be an important way of forecasting future prices.
Thus, one can trade on the basis of charts and by applying suitable indicators of the technical analysis, one can anticipate the price movement. Trading on the basis of intraday Stock Cash Tips is the other way of trading.