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Build your own space beautifully with quality architects

If you are planning to build a house or an office space then you must know that you cannot do it without the help of best construction companies. These firms help you to design the building and also make sure that your design meets reality. Once you get in touch with a good architecture firm you will be assigned a single architect who will take care of all your building related needs. He will sit with you to finalize the drawing plan and in case you already have a plan, will help you to improve it. He will also help you find any mistakes that might be there in your plan and help you resolve it. If you do not have a plan of your own then the architect will examine the space you have and will give you a plan by himself. 

Even if you design your own house all by yourself you will need an architect to make sure that the design is correct and fits the available space. You might mess up in the measurements and an architect will take care of that. This is why you need to make sure that you are hiring a good architect. We need to choose the best workers and designers who will help us in making our home marvellous. Hiring architects for our home is beneficial as well. Enlisted below are the benefits of hiring architects for your home.An ordinary man cannot decide things easily because he might be aware of a few aspects, but he is aware of the major ones. If you are looking forward to designing a commercial building, then commercial architecture firms are available to help you. You just need to contact them, and they will help you to design the commercial building easily. It is generally better to get in touch with an architect firm than hiring an individual architect. An architect firm will have a pool of qualified architects and you will be able to select one among them. These architects generally get chance in the firms by passing various tests and thus their quality over the subject area is undoubted. 

While looking for construction companies you will have to keep a few things in mind. You might find many firms in the market claiming them to be the best. However, you cannot randomly trust any firm without doing proper research. You cannot risk the design of your building by hiring a wrong architect. Thus, you should spend significant time on researching the various available firms. 

As the first step, you will have to make a list of available firms in your area. You can prepare this list by searching the internet or you can ask for recommendations from your known circle of people as well. If you are searching online then you should be aware of firms that offer services at absurdly cheap rates. If you are also facing the same issue but you want your dream project to come true then there is no need for you to worry about the same at all. Now construction companies are available to help you with it. They will not only help you to understand about the criteria going on but also they will help you to understand how you can design it appropriately. Also, if there is something which you want to add on to the project or you feel like something is not going as you have planned, then also you can report about it immediately. They will look to it and provide you the solutions as well. Such firms generally compromise on the quality of their services and thus offer such cheap rates. You should look for firms that are demanding the normal market rate and has a pool of architects on board. 

Once you have finished your search you will have compare the firms among themselves. You should compare them in terms of their years of experience, availability of experienced professionals and quality of services. Judging the companies on these aspects will give you a single company that will stand out from the rest. In order to be absolutely sure about your choice you should do some more research on that company as well. 

You should also check the selected company’s website to get an idea about all their offered services and charges.

How GST and Term Loan Calculators Work for a Businessman?

In the last few years, India has witnessed its Small and Medium Enterprises (SME) flourish at a tremendous pace. Earmarked as a vital sector for nation financial growth, it alone generates employment for about 60 million individuals in India.

One of the most crucial factors that have contributed to giving SMEs the necessary boost to branch out successfully to various sectors in India is the easy availability of capital.

With digital advancements and better opportunities available aplenty, small-scale businessmen across the country have undertaken their own ventures.

So much so that according to data presented by the IBEF, SMEs account for about 40% of India’s total exports and 45% of its total industrial output.

Now, the foundation of any business, small or large, is to maintain a positive working capital ratio. Managing a fine balance between assets and liabilities is what keeps a business running efficiently.

A GST calculator is a crucial online financial tool that aids individuals in the endeavor to ascertain the assets and liabilities.

Importance of capital in a business

 

If a business is considered a piece of machinery, capital is the “oil” in this analogy that keeps it running smoothly.

The working capital ratio of a business is given by the proportion of a business’ current assets to its current liabilities and is a measure of its liquidity.

To keep a business running smoothly, it is imperative for its owner to ensure that the working capital ratio remains positive wherein there is an excess of the current assets over the current liabilities.

This can be done by utilizing tools like GST calculators to track the liabilities and assets currently under a business.

Now, if for any reason, the liabilities of a capital exceed its assets, a business can incur losses and essentially become bankrupt in the process.

Under such circumstances, individuals can avail of a term loan to infuse capital into their business and effectively keep their working capital ratio in check.

The easy availability of business loans from various financial institutions in India like Bajaj Finserv has now made it easier for individuals to infuse their business with working capital. These are unsecured advances that allow individuals to avail up to Rs.30 lakh to fund their businesses.

One of the liabilities that can arise in due course of availing these advances is an ensuing threat of falling into a debt trap. As is evidenced by a report published in India Today, which presents that India’s corporate debt can amount to a staggering $19 trillion.

To avoid this, businessmen can utilize online financial tools like the term loan calculator, to gauge their capability to repay the advance they avail and consequently avoid increasing their liabilities.

Benefits of utilizing online financial calculators

Online calculators like a GST calculator and business loan calculator allow businessmen to calculate liabilities of their businesses efficiently.

  • GST calculator –

With GST subsuming most indirect taxes levied by the government, it makes for the most important tax liability that a business incurs each year.

With the calculator to compute GST, businessmen can do away with the hassle of calculating their tax liabilities manually.

Following is the formula utilized by these calculators to present a taxpayer’s GST liability –

GST amount = (original cost X GST%)/100.

However, it is crucial for individuals to input the parameters in the calculator correctly to ensure that there are no mistakes in the GST calculation.

Apart from helping businessmen calculate their tax liability, a GST calculator also offers the following benefits –

  1. It helps individuals differentiate easily between CGST, SGST, and IGST.
  2. It helps save time while calculating GST payment.
  3. It eliminates the possibility of making human errors while computing GST.
  • Term loan calculator

Akin to the online calculator for the computation of GST, a term loan calculator allows individuals to calculate their repayment liability for the business loan they avail.

A business loan calculator utilizes the following formula to calculate the EMI –

EMI = P x r x (1 + r) ^ n / [(1 + r) ^ n – 1]

Where, P gives the principal amount borrowed, r gives the rate of interest, and n is the loan tenor (given monthly.)

Like the calculator for computing GST, a business loan calculator also allows individuals to remove any errors while calculating their EMI, and subsequently allows them to know the liability they will incur by availing the advance.

Using these online financial tools is imperative when it comes to ensuring that businessmen have a definitive account of the liabilities under their business. This, in turn, ensures that the business runs smoothly.

Your Car Negligence Can Drop Your Life in Risk

when you take no chance with your mobile phone, your dresses and gadgets then why do you take your car for granted? You should never procrastinate to take your car for repair or service. After all, the way your health has to be in the best shape to work effectively, actively and in the best manner; in the same way, your car has to be checked and evaluated from time to time to rule out any issues. 

you can easily go to the best car service center in bangalore to ensure that your car gets checked and repaired in the excellent manner. there are many instances that you can avoid if you take good care of your car. Well, following are a few of the many points that you should read to ensure that you never leave your car unrepaired.

Accidents and unfortunate incidents 

Have you ever seen a car that met with an accident and the inmates died on the spot? What do you think about that accident? The point is that there are thousands of accidents that take place on roads every year because of the error in the car.  Yes, what if your car breaks are lose and you think that you would get it fixed the next month or so on. and one day, your car gets out of control because the breaks fail and you met with an accident? These are the examples not to scare you but to warn you. only you can take good care of your life and that of your loved one’s life. Come on, maybe you think that you are taking proper precautions but what if your car is laying in the house and your son or daughter takes it out for some work and they met with an accident because of the car bug? Such a thing is heart breaking but true. This process is free of any kind of trouble and the entire thing will take place at your convenience. The only thing you need to do is to book the appointment at your available time. Whether lose breaks, an error in the engine, the torn wires or anything else; these are the things that lead to accident and unfortunate incidents on the roads.

Miss a flight or lose an opportunity 

Then there are also instances when people get ready well in time and when they are on their way to the airport for the flight; their car gives up on them. the point here is that once you keep your car checked and repaired from time to time, you can keep an eye on its working condition. At least the people who would evaluate your car would fix any pages or wires of the car that might be showing any signs of wearing. After preparing the list you need to compare the companies in terms of their years of experience, expertise and quality of services. Judging the companies on these parameters will give you a single company that will stand out from the rest. In this way there would be no possibility of the car getting out of order in the mid-way. what if you have a significant job opportunity and you are heading to the office for the important interview and your car abandons you because of leakage of diesel  and you get really late for the interview and miss the chance? Of course, there can be possibility that there is some leakage in your car that you didn’t notice.

Conclusion 

So, you should avail car repair in bangalore services and ensure that your car always stay checked and nothing goes wrong because of your negligence.

5 Magical Ayurveda herbs to reduce belly fat in 2020

If you are troubled by Belly Fat on the stomach, then you must be looking for ways to reduce the fat on the stomach (Ways To Reduce Belly Fat). Maybe you do not like the fat stored on your stomach and you feel that it is spoiling your look and personality, but worse is that it can also lead to many diseases.

Ayurveda to Reduce Belly Fat can be very helpful. There are many Ayurvedic Medicines that can relieve stomach fat and obesity. Understanding this danger, if you are also looking for home remedies to reduce the growing belly, then this article can help you. For this the most important thing is to change the diet. Take a diet that is healthy. Eat twelve meals a day. Reduce intake of fried-roasted and refined carbs. “Because you are like what you eat” With this you can also take Ayurveda support to reduce weight and reduce the fat on the stomach (Stomach Fat Reduce Tips). Here are 6 such herbs that will help in reducing the fat stored on the stomach.

 

1. Cinnamon will help reduce frozen fat on the stomach

You may be slightly surprised but it is proven fact. It is true that cinnamon can be very useful in reducing the fat on your stomach. Cinnamon has many medicinal properties, which can boost metabolism and help you in weight loss. You can include this Ayurvedic ingredient in your tea. To reduce frozen fat on the stomach, you use cinnamon in your first tea in the morning. You can also use cinnamon hydrosol which can be taken with luke warm water.

 

2. Eat Triphala to reduce fat on the stomach and lose weight

Triphala is made using dried fruits like Haritaki, Bibhitaki and Amalaki. All three are mixed together to make Triphala. These herbs can help eliminate toxins from the body. Triphala improves digestion and may promote metabolism. This can help get rid of stubborn fat on the stomach.

 

3. Eat Malabar Tamarind to reduce obesity and reduce belly fat

Garcinia Cambogia is a tropical fruit that can aid in weight loss. Fruits have properties that can block your body’s ability to make fat. It can reduce appetite by promoting metabolism. Malabar Tamarind is not only helpful in reducing stress on the stomach, reducing blood sugar, blood sugar and cholesterol levels.

 

6. Eat fenugreek seeds to reduce frozen fat on the stomach

Fenugreek seeds are known for their digestive and weight loss properties. Fenugreek contains galactomannan, a water-soluble ingredient. It reduces hunger and makes you feel full for a long time. It can also increase the metabolic rate of the body, which makes it easier for you to reduce stubborn belly fat.

 

4. Guggulu  (Commiphora wightii ) to reduce frozen fat on the stomach

Guggulu is an ancient Indian herb, which is used in Ayurvedic medicine. It contains the unsaturated steroid guggulosterone – which can boost metabolism. It helps in weight loss and helps in reducing belly fat. You can add Guggulu to your tea and take it in the morning for effective results.

 

5. Punarnava  will help  to reduce weight and reduce abdominal fat

Punarva can help in weight loss and reduce abdominal fat. It has diuretic properties that can keep the bladder and kidneys healthy. Punarwa can also provide relief from water retention.

 

Choosing Ayurveda solution over allopathic medicine is a need of today. Allopathic has short term benefit and long term side effects. There are many ayurvedic products store online from where you can buy above listed ingredients.   Except all of these you can go to gym or practice yoga asanas at home to reduce belly fat. There are many yoga asanas which are not only helpful in reducing the bally fat but also help properly balancing your body.

What Are the Standard Rates to Buy YouTube Views?

When you are running your YouTube channel, it must be understood that you already know the ways to gain traffic. None of the channels can excel on the platform without a higher number of viewers and subscribers. 

The tactics that work right away to gain the targeted audience on YouTube include:

  • Through stronghold on advertisements
  • Generating organic traffic
  • Last and the easiest one is to buy the YouTube Views right away.

Some people charge you very high to get you the traffic and then offer you 1000 YouTube Views For Free. It might be or might not be a good deal to go with. They might charge you real high. You need to be aware of the standard market rates before you buy real YouTube views.

Standard Rates For Purchasing YouTube Views:

If you talk about the ideal condition to get YouTube views, it should be either through organic traffic or by focusing on digital marketing. It will help you to attract a long-term audience that is not going to leave following your channel quickly. You will have to spend a lot of skills, time, and most importantly, your patience if you want to grow genuinely.

In any case, different organizations charge you multiple times and offer 1000 YouTube Views For Free. It can never be a valuable arrangement. It is only a promoting system to pull in a higher number of clients or to make their place in the market on the off chance that they are different to it. In the two conditions, it isn’t helpful for you. In the event that you go for unpracticed individuals to produce your perspectives, you may wind up getting the not all that supportive crowd, who may leave you midterm. Thusly, it won’t be helpful over the long haul. 

In the subsequent case, on the off chance that you don’t know about the market rates, you may wind up paying high. It is again a misfortune to you and your pocket while setting up your startup.

If you do not have that much time and patience, then you can surely go for opting out for buying YouTube views. The cost of purchase of a view can cost you anywhere between 12 to 25 cents. The cost highly depends on the genre, requirement, competition in the field, your location, targeted audience, experience, and reviews of the digital marketing company, and several other factors. 

However, other companies charge you four times and offer 1000 YouTube Views For Free. It can never be a beneficial deal. It is merely a marketing technique to attract a higher number of customers or to make their place in the market if they are new to it. In both circumstances, it is not beneficial for you. If you go for inexperienced people to generate your views, you might end up getting the not so helpful audience, who might leave you midterm. Therefore, it will not be useful in the long run.

In the second case, if you are not aware of the market rates, you might end up paying very high. It is again a loss to you and your pocket while setting up your startup.

In a Nutshell:

 If you are planning to start a YouTube channel, you must try everything in terms of your knowledge and skills to develop 1000 YouTube Views For Free. You shall consider that it takes time for any business to grow. You must put your efforts, and you will surely get the results if your idea is really beneficial. 

If not, you do not want to wait; do not drain out your money. Research, know the rates to buy the real YouTube views and act accordingly. Make sure no genuine company would offer you more than 5,000 views in one go. Purchase, analyse, and then decide on your next steps.

7 Basic Questions About Credit Reports

 

While understanding your credit, it’s not something you can do overnight. However, a week might be enough. The credit of a person has many components that need to be comprehended and resolved. Ingredients such as credit score, credit report, credit monitoring, credit freezing, etc. are quite prevalent. All these terms affect your job, insurance premium, loan formalities, housing, and all the other things that determine your standard of living. 

We give you a task to define all these terms in your own words. You’ll find that the technical definitions are quite similar to whatever you guess. So, let’s relate your thoughts with the actual questions. 

Why does credit matter?

Most lenders in the market look at your creditworthiness as a measure for risk on the amount. They want to know how creditworthy you were before to determine whether they would receive the installments on time. The following are the components of measuring the creditworthiness of a person. 

  • Previous paying habits
  • The number of credit cards
  • The number of loans

These three factors tell them about the money you have handled before. All this comprises your credit history. They want to strike a balance between risk and reward on their assets. So, the more the risk there is, the more income they would expect out of you. This return can be taken from a higher interest rate. 

Who all are concerned with your credit history?

Now that’s a pretty broad question has many people, including insurance companies, lenders, employers, landlords, etc. look at your credit history. Let’s take a look at the following points. 

  • Applying for loans needs good repayment habits. 
  • Applying for a job requires you to be worthy of trust. 
  • Looking for an apartment for rent, you were expected to be regular with the payments. 
  • While getting Insurance, you are expected to pay the premium on time. 

Basically, all the financial decisions are dependent on your credit history. 

How to determine your credit score?

Getting the credit report and putting your credit score in a category needs you to follow a process. There are formalities in getting your credit report from the concerned authorities. However, to know what all your credit report comprises, here’s a list. 

  • The number of credit cards you have
  • Basic personal information
  • The amount of money you owe
  • Any delay in the past payments from your part
  • Details of bankruptcy if any
  • The number of times you have taken a loan
  • The type of loans you have

Then comes the process of accessing a free copy of your credit report. Most lenders have your credit report once you apply for the loan. So, from your side, you need to take care of whatever information it conveys to them. 

How to make a change in your credit score?

Your credit score is the sum total of all the ordered repayment habits. If you have failed to pay the right amount of the right time, your credit score is reasonable. However, there is some information that you don’t deserve in the report. Or the one that is wrongly imprinted. 

Your course of action is to file a dispute on all the negative information that is not true. It requires a process to be followed. A debt management program can help you in this case. All the debt management companies have credit repair processes to file a dispute for drawing negative information with fully formal attributes. 

What is credit freezing?

The term credit freezing is relatively new. It’s for all those people who suspect something unwanted with their bank accounts. Through credit freezing, you can identify the hacker or the thief who uses your account without permission. You can place a freeze on your credit report if that’s the case. If the situation becomes complicated, just close down that account and open a new one. 

The benefits of credit freezing. 

  • It does no harm to your credit score.
  • It helps you identify the thief. 
  • You can still apply for job insurance or rent an apartment without lifting the credit freeze. 

However, there’s one limitation of credits freezing. You cannot prevent the thief from making any unauthorized payments. You still need to follow all his actions to reach him. 

So, with all these items, you can definitely have a better insight into your repayment plans. And if you identify any damage done before, you can implement repair instantly. So, it’s always better to be aware of your credit condition.

5 Pro Golf Tips For Beginners

Everyone spends their free time in different ways, but today more and more talk about the benefits of outdoor activities. Many people try to the best of their ability, physical and material, to join active leisure. For some, this is a visit to the fitness room and work on simulators, others prefer a trip to the countryside with indispensable barbecue or cycling and hiking, while someone is engaged in landscaping the countryside.

And very few of us have already joined one of the most interesting games – golf. This is the only game that attracts people of all ages. Let me explain why. The best part is – It’s not necessary for the game to wait for someone to join you – you can play it by yourself. The game is active, dynamic, exciting, but it does not require serious physical preparation. Not every older person or one with poor health can afford to run or do heavy loads, and golf is shown to everyone without exception. Each game is a few hours in the fresh air, and up to 7 km of average distance traveled. At the same time, all joints get a good workout, and time flies by!

When Are You Ready to Start Playing Pro

So, now that you have a few clubs and you have acquired basic knowledge of swing, you are considering trying yourself on a golf course. Great, but that doesn’t mean that you have to go to the field where the players are playing. If you want your initial golf experience to be positive, you need to really assess your capabilities and then strive to expand them. The below-mentioned tips must be remembered in this regard:

Start Small

Golf is a rather difficult game unless of course, you take eight hits to get on the green. Begin with a par-3 field or with a shortened (“executive”) 9-hole field before conquering an 18-hole tournament field. On the par-3 field, all holes are three-pair and each less than 180 meters long.

The “executive” has several par-3 holes, and the par-4 and par-5 holes are shorter than those on the tournament field. Give yourself the opportunity to acclimatize to these fields before entering full-size. Par is the number of strokes for which an upscale golfer is expected to complete a game in a separate hole or on the entire field.

Green (Putting Green) – the area with the shortest grass directly around the hole specially prepared for putting (short, final game on the hole). Mostly maintained by Jacobsen golf course mowers.

Fairway (Fairway) – a section with short trimmed grass, occupying most of the playing field between tee and green.

Rough is the part of the golf course surrounding fairways with tall, dense grass or untouched natural vegetation.

Play Three Holes

Playing golf requires the athlete to have sufficient stamina and you must prepare yourself for 18 holes. Consider starting out with three holes on a nine-hole course in a time when there are fewer golfers on the field so that you don’t hold anyone back. Play as long as it’s fun. You can continue on another day.

Choose a Suitable Field

Do not start your golf journey with difficult fields that will make you upset before you even get to the first green. A good field for beginners is a flat, short field, on which there are few obstacles or places such as bunkers or bushes that need to be cut to get on fairways. You will still have plenty of time to test yourself in difficult fields, but first, take the opportunity to get positive emotions.

Play From Comfortable Tees

Pacify your ego and start from shorter tees. Tee (Tee ground) – a platform on the field with which the game begins on each hole. Playing on a field five to six kilometers long will save your time, preserve the nervous system and a considerable number of balls.

Final Tip –  Stick to the Pace of the Game

Most golf courses will ask you to complete the 18 holes round in four and a half hours, but you can play even faster. One way to maintain a good pace is to limit yourself to a certain number of strokes per hole. For example, a maximum of seven strokes per hole. If you are a beginner golfer, there is nothing wrong with raising your ball if you do not want to delay your partners. And rest assured, they will appreciate it.

Who Should Invest in Aditya Birla Sun Life Dynamic Bond Fund

The primary objective of investment of the scheme is to generate optimal returns with high liquidity through active portfolio management through investment in high-quality debt and money market instruments.

  • Investment in high-quality corporate bonds and government securities
  • Dynamic tracking of interest rate

Aditya Birla Sun Life Dynamic Bond Fund Growth- Fund Details

  • Category: Debt: Dynamic Bond
  • Launch Date: 27-09-2004
  • Asset Class: Fixed Interest
  • Expense Ratio: 1.4% as on (31-01-2020)
  • Risk- Low Risk
  • Status: Open-Ended Schemes
  • Minimum Top-up: 1000.0
  • Minimum Investment: Rs 5,000
  • Min SIP Investment: Rs 1,000.0
  • Total Assets: 2,536.4 Cr As on (31-01-2020)
  • Exit Load: For units above 15% of the investment, 0.5% will be charged for redemption within 90 days

From the date of allotment, in respect of each purchase / switch-in of units, up to 15 percent of the units can be redeemed / switched-out without any exit load. Any redemption exceeding this limit will be subject to the exit charge.

Aditya Birla Sun Life Dynamic Bond Fund is suitable for investors who are seeking

  • Income with the capital increase
  • Investment in an actively managed portfolio of debt and money market instruments including government securities
  • Investors who want to invest for the long term but prefer lower-risk assets than equity funds.

Aditya Birla Sun Life Midcap Fund Management

Jayesh Gandhi is the fund manager of Aditya Birla Sun Life Midcap Fund. He has nearly 18 years of experience in Indian equities through equity, fixed income, and gold from market-cap groups, large-cap, mid-cap, and multi-asset funds.

Jayesh has been a member of ABSLAMC for over seven years, first as a fund manager between 2004 and 2007 and later in 2014. His previous work experience includes Morgan Stanley Investment Management Private Limited, where he was Executive Director and Lead Portfolio Manager Multicap / Midcap Strategies in India, and co-manager of Multi-Asset Strategies.

Jayesh is an ICAI Chartered Accountant, Chartered Financial Analyst from CFA Institute, USA, and Master in International Management from Thunderbird School of Global Management, USA. Jayesh also serves as an active volunteer for CFA Society India and has served as the President of the Society for five years, 2013-18, forming a group of over 50 volunteers across India.

Who Should Invest in Aditya Birla Sun Life Dynamic Bond Fund

Aditya Birla Sun Life Dynamic Bond Fund-Growth is one of the low-risk debt-fund schemes of Aditya Birla Sun Life Mutual Fund. The scheme was launched on 27 September 2004 and had a Net Asset Value (NAV) of Rs 31.95. The minimum investment required for the scheme is Rs 5,000, with a SIP investment of Rs 1,000.0. An investor can invest based on your investment goals.

Fund management

Maneesh has been with Aditya Birla Sun Life AMC for the past decade. He manages funds such as ABSL Corporate Bond Fund, ABSL Banking and PSU Debt Fund, ABSL Credit Risk Fund, ABSL Medium Term Plan, ABSL Short Term Fund, and ABSL Dynamic Bond Fund.

Maneesh Dangi made a fixed income investment in Aditya Birla Sun Life AMC Limited as a co-chief investment director. With nearly twenty years of rich finance and analytics experience, Maneesh led a team of twenty-two, consisting of fund managers and analysts managing over INR 1.6 lakh crore.

Pranay Sinha is a fund manager with Aditya Birla Sun Life AMC (ABSLAMC) Limited. Pranay has around 13 years of experience with over a decade of fund management and trading in Indian tariff markets. He also has experience in trading in currencies.

Pranay was working with Morgan Stanley Investment Management Private Limited, BNP Paribas Bank and ICICI Prudential Asset Management Company Limited before joining ABSLAMC in 2014.

Pranay has completed his MBA from IIM Kolkata and a BTech degree in Aerospace Engineering from IIT Kharagpur.

Note: If investors are in doubt as to whether the scheme is suitable for them, they should consult their financial advisors.