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2 Common Mistakes You Must be Aware of If You are Looking for the Best Mortgage Lender



floor sanding

Do you want a house of your own? Everyone deserves to have a house of in their own name. After all, you are working so hard at work in order to get more financially secure. You are doing this for a more comfortable future. A lot of people think that a house is just a place of shelter but it is actually a great form of investment which can fetch you big returns. Therefore, owning a house is not just realizing your dreams of having a shelter above your head but it is actually a strategy to keep yourself financially sound. A house can get you profitable returns if you rent it out or even sell it later on at double the price depending upon the market rate of real estate. Therefore, by all means, you should try to invest in a house.

However, purchasing a house is not a cakewalk. Everyone cannot afford to buy a house at one go. Given the condition of the real estate, the prices of houses is on the rise. It is essential that you save and make all kinds of financial arrangements to get a lovely home as soon as possible. For those of you who cannot gather the right amount of savings for the house, they can opt for a home loan. All you have to do is look for the best mortgage lender in Houston, offering you a loan at low interest rate. But searching for the right lender can also be a challenge in itself.

Here, we have put together a few major mistakes to avoid when you are looking for the right mortgage lender. Take a look.

  • Not Taking Recommendations

The first and foremost way of finding a good mortgage lender is by asking around. So, if you don’t take recommendations from anyone and opt for the first mortgage lender that you stumble upon first, it will be a huge mistake. You will have no idea if the loan provided by the lender will charge an unnecessarily high interest rate or not. Or worse, you will have no idea if he or she is an authentic lender or a fraud. That is why instead of just going for the lender you find first, you should ask around in your circle of friends and families and take referrals from them about a good mortgage lender.

  • Neglecting the Government-backed Loans

Whenever people think of opting for a loan to finance their home, they are always considering the private loans. But it is important to make sure that you are also aware of the different kinds of other loans that exist in the market. The government has also started offering several home loan programs to encourage home ownership. If you ignore these home loans, you will be making a huge mistake because these loan programs bring you flexible eligibility options and thereby, accessible loan programs and more affordable options. So, you should look for lenders of these government-backed loans such as the FHA or the VA Jumbo loans in Texas.

So, take these down and beware of these while looking for a good mortgage lender to purchase your home.

Author Bio: Joan Gallardo, a Senior Loan Officer with 18+ years of experience, here writes on 2 common mistakes you should be aware of while looking for the best mortgage lender in Houston. Read his blogs on FHA or VA Jumbo loans in Texas to know more.

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Ethical hacker describes how the business he’s starting hacks shopping cart prices lower than ever before



With the tricks and technical expertise you may expect from an ethical hacker, it was only a matter of time until someone publicly released a tool that uses a variety of techniques to cut down shopping cart prices lower than ever before.
The idea to create Checkout Saver arose when the founder was having to use three or four different tools and techniques to squeeze every penny of savings out of an online transaction. Some of these were his own techniques he’d been using for years, and no commercial tool had the same functionality.
That’s when he decided to create his own chrome extension to combine these techniques and save millions of people billions of dollars.

Cashback on Credit Cards

The first primary technique is so basic, you’re hopefully already doing it – getting cashback when you pay with your credit card. The reason I bring up this technique is to distinguish it from Affiliate Cashback, which we’ll get into next.
For now, just make sure you’re using a card that gets a good cashback rate. Citi Double Rewards offers 2% back off ALL transactions – no categories or low limits.

Affiliate Cashback

One of the biggest expense of online retailers is marketing – and one of the cheapest sources of marketing is affiliate partnerships – they only pay when someone makes a purchase.
By partnering with hundreds of retaliers, Checkout Saver is able to offer you our affiliate link, and when you make a purchase the retailer rewards us with commission. We then take the majority of that commission and deposit it back into your Checkout Saver account, so you can withdraw it to PayPal or use it to purchase discount gift cards or coupons and multiply your savings!
Typically, this is a dead simple way to add 5-25% cashback on your purchase, on top of your credit card cash back!

Discount Gift Cards

This is why Checkout Saver was invented. No other competitor offers discount gift cards available right at checkout – but our browser extension does.
Never heard of a discount gift card? Well, we’ve all received a gift card when we’d rather have gotten cash. Checkout Saver allows sellers to cash out their gift cards for a great rate, and we’re then able to provide that gift card to you at a discount.
For instance, image you’re shopping at, and your subtotal is $55. Checkout Saver will alert you that a $50 gift card is available to purchase and apply to your balance, for $45. Instantly saving you $5.

Unique One-Time Coupons and Store Credit

Another revolutionary feature. Checkout Saver allows you to sell unique coupon codes or your store credit for cash. We then offer those coupons for sale to consumers at checkout, and they can buy them at a discount and save a ton of money!
In short, Checkout Saver is going to revolutionize the way you save. Sign up today and join the savings revolution!
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Need an Online Line of Credit? Here’s How to Make it Secure




Almost everything is easier when you do it online — whether it’s arranging a dentist appointment or buying groceries. Even getting an online line of credit is more convenient than one you’d apply for in person.

This much you know from your snug spot on the couch, laptop open and ready to find a financial institution. But before you hit apply, you’ll need to know the scoop on online security.

You should protect your info anytime you go online, but it’s especially important when it comes to getting a line of credit. One misstep could expose your personal information, handing the keys to your financial profile to eager fraudsters.

Keep your data safe the next time you look for an online line of credit by checking out the tips below.

Work with a Licensed Financial Institution

An online line of credit can come from a variety of places — from household names to up-and-coming mobile services.

But how can you tell if it’s a legitimate company if you’ve never heard of it before? Look for a license!

The only way a financial institution can get and maintain this license is if they abide by the state lending laws it does business in. A license also proves they follow broader federal laws, including those that protect your privacy.

Check Their Online Reputation

A license is the bare minimum that proves a financial institution isn’t providing predatory or abusive loans. But it doesn’t tell you anything about the character of their business, like how they treat their customers.

You may find the answer to that question in online reviews. Read what previous customers have had to say about their experiences.

Do they sing their praises, or do they want to air their grievances?

Demand Transparency at Every Step

An online line of credit shouldn’t be complicated. These three things should be abundantly clear:

  • How it works
  • How much it will cost you
  • When you’ll have to pay it back.

If any of this information is hard to understand, reconsider signing your name against the dotted line. Unnecessarily complicated language is usually a coverup for costly hidden fees.

Without a clear understanding of these line of credit terms, you may inadvertently:

  • Sign up for something you can’t afford
  • Use it in a way that costs you more money
  • Miss an important due date.

Use Strong Passwords

The password you choose for this account is the first line of defense against cyber theft, and it needs to be up to the task.

Using the same password as the one that protects your Instagram profile, mobile wallet, and e-banking account isn’t a good idea.

But a unique password isn’t enough, either. It has to be hard to crack by anyone with a passing knowledge of your life. This means no names, birthdates, or phone numbers.

Instead, try use a random mixture of letters, numbers, and special characters. If you have a hard time remembering a random assortment of characters, check out these password managers to help you do it.

Bottom Line

An online line of credit is only as safe as you let it be. Ignore these tips, and you may wind up applying for a loan that gets you into financial hot water. But by researching these options carefully and remembering that your privacy is your priority, you’ll be able to find a financial institution that protects your personal information.

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Tips to Choose the Best Term Insurance Plan



Term life insurance

When it comes to choosing the best term insurance plans, you should know that the life insurance industry offers a plethora of options to the individuals. Life insurance is a must as it can look after your family’s financial insecurities against any uncertainty. Anything can come knocking your family’s door without any warning; therefore, you need to be prepared.

However, before you get a term insurance policy, it is important to evaluate your requirements and follow specific processes that can help you choose the best plan for yourself.

If you are feeling overwhelmed, seeing so many options available, keep on reading as this ultimate guide will help you make an informed decision.

#1 Determine the number of family members as well as think about your life stage

First and foremost, you need to think about the family members who are dependent solely on you for their needs. This may vary at different life stages. Financial responsibilities of a married individual differ from an unmarried person, and it changes if you have kids or retired parents to look after. Therefore, you need to choose the cover amount accordingly. However, you need to keep an eye on the future and strategize for increasing financial responsibilities.

#2 Identify which term plan to choose

Your financial situation will change as you make progress in life. Therefore, you need to choose a term plan taking these requirements and situations in mind. There are basically four different types of term plans offered. They include:

  1. The monthly income plan offers sum assured benefits that are paid out in regular monthly installments to the dependents to help them take care of the monthly recurring expenses
  2. The increasing term insurance offers sum assured amount that is increased by a pre-set percentage to tackle inflation that’s causing increasing costs. To take care of increasing costs, you need a high cover
  3. The decreasing term insurance plan is for those who have lesser dependents to look after. For example, during the early stages, you are marked by different responsibilities, which include the responsibility of your spouse, children, loan repayments, etc. However, once your loan repayments are successfully completed, and your children can take care of themselves, it will lower your insurance coverage needs. This is an ideal term plan for such individuals
  4. The level term insurance is a regular term insurance plan where the premium amount remains fixed throughout the policy term

#3 Know which riders will maximize your coverage

The best term insurance plan is the one that has all the angles covered. Riders are one way to achieve this. A rider is an add-on to the primary term plan that offers benefits over the policy subject but under certain conditions. For example, if there is a critical illness rider, then he/she is entitled to receive the sum assured upon diagnosed with the same.

#4 Higher claim settlement ratio

The life insurance company should incorporate an effective claim(s) settlement process to live up to their promise of offering monetary reimbursement. The higher claim settlement ratio means, the higher are your chances of availing the entire sum assured amount.

Final words

Always go with a trusted provider to avail the best term insurance plan. It is your responsibility to check and understand the terms and conditions of the policy you choose. You should be aware of all the technical details of your term plan.

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What Is Term Life Insurance And Its Types?



Term life insurance

Term life insurance is the oldest and the easiest form of assurance and offers for payment for sum assured on death, given death occurs within term or policy tenure. In case the life assures survives to the end of the term, then the insurance cover ceases and the company is liable to pay. 

You can look for online term insurance as well, as all the companies offering term insurance are using the internet to let prospective policyholders know everything about term plan. Moreover, due to the absence of involvement of agents, online policies are cheaper.

Life is unpredictable and anything can happen anytime. So, if you are the sole bread-earner in your family, you must think about how you can secure the financial future of your family. With an investment in an offline term plan or an online term insurance policy, you can be worry-free about what is going to happen to your loved one if you are no longer alive to cater to their needs.

Types Of Term Insurance

There are several variations of term insurance, which are mentioned below. 

  • Convertible term insurance – It is the kind where the life assured buys a pure term life insurance policy initially with an option to convert it into another plan later, as per the choice of the policyholder. The policy can be converted into permanent insurance like endowment or whole life. 

For instance, a policyholder can change their term insurance policy after five years into the endowment plan for twenty tears. However, the premium will change and the policyholder will be charged level premium according to the newly chosen plan and term. 

  • Level premium term insurance – It is the type where premiums payable throughout the pre-decided term remain fixed for pre-fixed sum assured. As a result, the problem of paying rising premiums each year is eliminated. It is usually available for terms ranging from 5-30 years. 
  • Renewable term insurance – It is a plan where when the initial term ends, the policy may be renewed for selected period say, another five or ten years, without any proof of insurability like a medical examination. 
  • Term insurance with the return of premium – Here, the savings element and risk cover are included. In this type, the premium amounts paid are returned to policyholders if they survive the policy term. However, this kind has a higher premium than pure term insurance policy. 
  • Decreasing term insurance – Here, the sum assured decreases with every passing year to match the diminishing insurance need. A policyholder opts for decreasing term insurance if they have taken a huge loan like a housing loan. Also, the sum assured is generally taken equal to loan amount so that if the policyholder dies, the loan is repaid in full. Additionally, the policy term is the same as the time in which the loan has to be repaid. 


Term life insurance is a more affordable option for those who worry about the financial future of their families. There are numerous options one can choose from, depending on their needs and budget. 

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Investing in People is the Reason for this VC’s Success (Amit Raizada of SBV)



Invoicing Impairments - Why Templates Are Ideal For A Quick & Easy Solution

Nothing about the venture capital industry is easy. Between the long hours, the pervasive risks, and the feeling of not knowing whether a certain venture will yield a return, life as the head of a VC firm is often a combination of calculations and stress. At times when I’m overloaded, I find it helpful to pause and reflect on the reasons that I chose to become an investor – and to think critically about the common principles behind every one of my ventures. 

I encourage all aspiring investors to do the same. Without having a clearly defined set of principles, it’s easy to get lost as a venture capitalist. When you’re approached with hundreds of potential investments each year, how do you decide which to fund and which to discard? How do you know whether a venture will fit well within your portfolio or act as a headache-inducing outlier? Sure, statistics, data charts, and graphs answer a great many of these sorts of questions, but there’s no substitute for a concise set of values when faced with these decisions. 

Here is the essence of the investment philosophy that underlines the success I’ve had as founder and CEO of Spectrum Business Ventures

I always invest in people. 

I pursue investment opportunities that enrich consumers’ lives and change the world for the better. Before engaging in a venture, I find it helpful to think about the fundamentals: What do people really need or want in life? And how does the product or firm in question help them attain it? 

Through this strategy, I’ve financed ventures that develop groundbreaking cancer treatments and revolutionize sinus-care procedures. I’ve even helped companies that launch satellites into orbit and contribute to NASA missions. 

I invested in critical warehouse space in the vicinity of major airports to facilitate same-day online purchases deliveries. And I’ve always sought to create unparalleled entertainment experiences, which I believe is just as essential to the human condition. I have introduced innovative models to retail and hospitality, investing in cutting-edge restaurants like Tocaya, Bounce, and Catch LA that diverge from conventional restaurant wisdom in favor of pioneering new experiences.  

But when I say I invest in people, I don’t just invest in the consumer – I also seek to invest in the people developing the product. In examining investment opportunities, I never consider failure a disqualifier – instead, I see it as a prerequisite. While I engage innovators with proven track records of success, I believe that true innovation is a process and that the best strategic partners are those who have experienced—and learned from—past failures. 

I invest in the products, services, and opportunities that change the course of consumption. 

I’ve always been an avid observer of business trends, and I closely watch the behavior of Gen Z and Millennials as indicators for future markets. I use their preferences to craft long-term investment strategies that pursue the products and experiences that will dominate the market in the coming decades. 

This principle has played a significant role in many of my investments. Tocaya is perhaps one of the best examples of this. Serving fast-casual food with a plethora of vegan and low-calorie options, Tocaya plays directly into the preferences of the health-conscious younger generations.  

This strategy also spurred my investments in esports. After watching my teenage sons become fascinated with online gaming, I began to wonder whether there’d be a viable market for this new fixation. After doing some research, I invested in an esports franchise and eventually helped build out the esports market as a whole. When I first invested in esports, this nascent industry was often ridiculed by pundits. Now, esports has its own section on ESPN’s website.

I’m focused on the consumer of the future – and I’m often willing to accept short-run losses to seize a foothold in the industries that will define the economy of the 2030s, 2040s, and 2050s. 

I take risks in pursuit of bold ideas 

My firm, Spectrum Business Ventures, stands by its long-standing motto, “We see the world differently”. When evaluating investment opportunities, I encourage my team to look past conventional wisdom. Some of my most successful investments have come from this approach.  

One key way to do this is to look for the peripheral investment opportunities that a major new industry may create. Take gift certificates, for example, which created a boom as they transitioned from paper to plastic. Rather than invest in the gift card industry itself, I invested in a company that provided myriad services to the businesses that wished to issue gift cards. I found a market ripe for innovation and financial-return within a wider market. 

My decision to purchase warehouse space follows similar logic. Online shopping now reigns supreme, but rather than found my own online venue and try to compete with the likes of Amazon, I decided to look to the periphery. No online supplier like Amazon (and especially smaller players) could get by without warehouse space, allowing my firm to take advantage of a market within a market. 

My investment philosophies are by no means universal. These principles have guided me through nearly two decades in the venture capital industry and into many of my most profitable investments, but the whole point of having an investment philosophy is to have guidelines that work for you. 

I encourage aspiring investors to reflect on the principles they hope that their portfolio will mirror. To do this, you’ll need to consider a few questions: 

In what kind of industries do you wish to invest? What products or services do you think people need? How do you wish to seek out new opportunities? How do you hope to choose between those opportunities once you find them? 

Formulating answers to these questions is integral to one’s development as a venture capitalist. 

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A - Z Health Guides

How Personal Loan can Help in Medical Emergencies?



medical emergency

A medical emergency leaves people blinded with fear and uncertainties. In the rush of taking a loved one to the nearest medical centre, it is but natural for questions related to budgets and cost to come up. 

Will the medical insurance cover the cost of the operation? Do I have enough savings to meet the expenses? Will I need to break a fixed deposit and lose out on the interest earned? Which family member or friend can help me at this time? Though all these questions are natural, what many people are not thinking about is taking a Personal Loan for Medical Emergencies to meet the expenses. It is a good way to raise funds in emergency situations. 

 Some Ways Of How A Personal Loan Can Help In Medical Emergencies:  

  • You can apply online, thereby saving time:

You can go through your lender’s website or mobile app and apply for the loan digitally, without leaving the hospital. All you need to do is go to the lender’s website, fill in the form, and upload the documents. If you are an existing customer of the lender, the documentation is reduced further.

  • You can avail instant funds and provide immediate care to your loved one:

Mostly, the processing time of approval for personal loans is very less. As long as you meet the eligibility criteria and upload the required documents, your loan application is approved instantly, and money is disbursed to your account in 24 hours.

  • You can use the loan for any medical issue:

You can use the credit to pay any bills, charges for treatment, lab tests, medicines, or prescriptions. The lender will not ask the reason for the loan, but if you share your concerns with a customer service executive, you can be sure of faster processing.

  • Hassle-free application processes make it easier for you to complete the process:

The loan application for a personal loan is very simple. You can do it quickly, unlike old times, when you would have to fill out multiple forms. One application online is all you have to fill. Additionally, you can download the app to fill in the loan application.

  • You do not have to run around looking for collateral:

One of the biggest benefits of getting a personal loan for medical emergencies is that you do not need to provide collateral to the lender. It frees up the time you would have taken to get the paperwork for the collateral.

  • Because of competitive interest rates, your monthly installment burden is reduced:

Interest rates on a personal loan are competitive. For example, both salaried and self-employed persons can avail the loan at interest rates starting from 12.99%* per annum. Do not forget to include the processing fees in the cost of the loan.

  • Flexible terms and conditions are making it easier than ever to get a loan:

Most lenders today offer flexible terms and conditions for a personal loan. For example, the choice of loan tenure ranges from 12-60 months. There are personal loan calculators online that you can use to calculate your monthly installment – you have to input the loan amount required, the applicable interest rates and the tenure and the calculator will calculate the EMI instantly. When calculating the EMI, keep in mind that a longer tenure means a lower EMI.

Also Read:  What Is a Medical Emergency?

Remember, nearly all lending institutions will extend personal loans for medical treatments. But, if you are in an urgent need and you do not have the time to research, reach out to family and friends who have taken a personal loan, and you can finalize your choice based on their experiences. 

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What To Look For In A Company Before Taking Out A Loan With



There may come a time when you need to look for a little extra cash to get by. With the costs of modern living, there are many reasons why you might be strapped for cash and need to take on a new loan. For those who have never taken out a personal loan before, or for those who have had a bad experience with previous lenders, it is important to know what to look for in a loan provider.

There are many reputable lenders out there, such as Latitude Financial, however, some lenders are ready to take advantage of those who are desperate. Being able to distinguish the good from the bad will save you money and prevent you from entering a financial nightmare scenario. It is worth taking the time to learn what separates reputable lenders from the rest.

To ensure that your financial future remains secure, let’s look at what to look for in a company before taking out a loan.

Reasonable Interest Rates

Reliable lenders will offer their clients reasonable interest rates. Naturally, reasonable means a different thing depending on your credit score and the current economic climate. However, if you are considering a loan then be sure that your interest rate is competitive with that offered by other lenders. You should not be forced to take out a loan with an interest rate so high that you will be quickly paying more in interest than the value of the loan itself.

Hidden Costs And Fees

Be sure to have a look at the fine print in any loan agreement to see if there are any hidden charges or fees that may not have been mentioned. If there are, it is usually a good idea to try a different lender. Lenders need to be upfront about all of the costs involved in the loans that they provide. If they are not, then you can be reasonably sure that they do not have your best interests in mind.

Take the time to read any loan agreement carefully to avoid the potential trap of hidden fees.

Legal And Licensed

Be sure that your loan provider is operating legally and is licensed to lend money. This can be verified by checking out their website and looking for their credentials or you can verify their legality through a third party or regulator. Borrowing money from grey or black market lenders is never a good idea because the conditions of the loan are not guaranteed and may cause you great financial harm.

Reasonable Repayment Periods

Reputable lenders offer their clients a reasonable repayment period over which to repay their loan. This should be enough time to spread out the repayment in a reasonable way. Be sure to use aloan repayment calculator to see how much your overall monthly payments will be as this will let you know how much your lifestyle will have to be sacrificed in order to accommodate the new loan.

If you find that the repayment period seems unreasonably short, then you need to shop around to find a lender who will be more accommodating to your financial situation.

Research Your Lender

The more research you do on a prospective lender before you borrow, the more you reduce the risk of ending up with a bad loan that will cause you financial harm. Make sure to follow the tips that are outlined here and do your due diligence when considering a loan provider.

Your financial health is important for so much in your life, so be sure not to rush into anything that may potentially worsen it

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Best banking and PSU funds to invest in 2020



The banking and PSU funds are the new latest subcategory introduced by the SEBI which is securities and exchange board of India in the debt mutual fund category. These funds are invested in debt and money market instruments that include the securities issued by banks, the public sector and the Public financial institutions. The aim to consider all this is to have an optimum balance of safety, yield and liquidity. These funds offer secure returns and minimizing the risk by investing in good quality instruments. One can also get information from the business standard newspaper today for the best working instruments in the market.

Following are the best performing banking and PSU debt funds:

  1. HDFC Banking and PSU debt fund: in case one wants to come through investments in debt and other money market instruments then one must go with securities which are issued by scheduled commercial banks or the public sector undertakings. The HDFC PSU debt fund was launched in 2014 on 26th March. This is a fund with moderately low risk and has given an 8.8% return since its launch. The return for 2019 was 10.2% which is a great return as compared to all others in the sector. The total assets are of Rs.4 848 crore on 31 December 2019. The expense ratio is 0.26 per the information ratio is 0.06. The minimum investment required is Rs.5000 and minimum SIP investment is Rs.500. The yield to maturity is 7.2%. Effective maturity is three years and 18 days.
  2. The UTI Banking and PSU debt fund: the main objective of such investments is to generate a steady and a reasonable income with low-risk and high level of quality and liquidity. This fund was launched on 3rd Feb. 2014 and is a fund with the moderate risk and has given 7% return since its launch. The total assets as on 31 December 2019, is Rs. 146 crore. The expense ratio is 0.35 information ratio is zero. The alpha ratio is also zero with a minimum investment of Rs.5000 and minimum SIP investment of Rs.500. The effective majority is three years six months and 20 days. The exit load is nil. The yield to maturity is 7.01%.
  3. The Kotak Banking and PSU debt fund: in order to generate income by investing in debt and money market securities Sir issued by banks and PSU one must take care of various things. The Kotak Banking and PSU fund were launched on 29 December 1998. This is also a moderately low-risk fund and has given 10.8% return in 2019, 6.7% in 2018 and 6.2% in 2017. Net assets of the company were Rs.4 204 crore as on December 31, 2019. The expense ratio is 0.25 and the information and Alpha ratio are zero. The minimum investment is Rs.5000 and minimum SIP investment is Rs.1000. The exit load is nil and the yield to maturity is 7.09%. The effective maturity is three years, nine months and 22 days. The asset allocation is 21.02% of the cash and 78.98% to debt. The debt sector allocation is 49.17% to the corporate, 46.39% to the government and 4.44% to the cash equivalents.
  4. Aditya Birla Sun Life Banking and PSU debt fund: this is an open-ended short-term income scheme that has the objective to generate income and appreciate the capital by investing the money in a diversified portfolio with low levels of interest rate risk. This was launched on 9 May 2008. This is a moderate risk fund and has given a 8.5% return since its launch. The return for 2019 was 9.9% and in 2018 was 6.6%. The net assets on 31 December 2019 were Rs.9 845 crore. The expense ratio is 0.64 and the information and alpha ratio is zero. The minimum investment is Rs.1000 and the minimum SIP investment is also Rs.1000. The yield to maturity is 6.7% and the effective majority in two years 11 months and 16 days. 4.49% of the value of credit quality is AA and 95.51% in AAA.

The DSP Blackrock banking and PSU debt fund: the main objective of the investment Is to generate income and appreciate the capital by investing in a portfolio of high-quality debt and other money market instruments. This was launched on 14 September 2013 and was given an 8.8% return since its launch. The return for 2019 was 9.9% and for 2018 was 6.3%. The net assets as on 31 December 2019 are Rs.2 354 crore and the expense ratio are 0.5. The information and alpha ratio are zero. The minimum investment required is Rs.1000 and minimum SIP investment is Rs.500. The yield to maturity is 6.73% with an effective maturity of two years, 11 months and 26 days.One can get the information in regard to investments from current news today in the business standard newspaper and these kinds of information are also available on their official app which can be downloaded by the users. Depending upon the risk appetite of the investor he or she can spread its portfolio from the least risky funds to banking and PSU funds and credit risk funds.

For All those investors who do not want to rely on insurance, the government of India provides taxable bonds that offer 7.75% for a time period of seven years whereas the post office deposits offer 7.7% for five years. For investors who are in the 30% tax bracket the banking and PSU funds provided around 7%. The higher will be the duration of the bond Higher it will be susceptible to the interest rate movements. The investors in debt funds with medium and long-term duration have seen a windfall over the last one year with a significant fall in the interest rates. This is the time to take a duration risk. Arbitrage funds also offer relative safety as they are highly tax-efficient. They have the same treatment as the equity-oriented funds and the long-term gain in equity investments up to 1, 00,000 is tax-free. One can get all these kinds of information from the business standard newspaper and app which provide timely and useful information to all its users

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Asian Economy and Forex Market Ruined by Corona Virus Spread




As the week began many had thought and expected that the ongoing war waged in China against the Coronavirus started to settle down. Japanese Yens in vital struggle South Korean exports still fell USD safe haven the option of most. Markets continued to operate without major deterioration, as Peking seemed to control the situation well. There are no significant changes in the economic situation in China, but those of its peers in the Asia-Pacific region are upside down as we reach the weekend. Two deaths in Japan and an upsurge in neighboring Korea suddenly brought the country into a very difficult economic condition.

Japanese Yen and Economy Combating fights The Japanese Yen has usually suffered its worst four-day stretch in over two years and is a respectable safe haven in times of trouble. The notoriously stable currency has fallen more than 2% in this short period. Before a small recovery in market trading today, traders may experience fear. For example, this decline has to do with the present situation and with how the epidemic has impacted both commerce and tourism.

There are concerns of a slowdown, including David Bloom’s head of FX at HSBC who says, “New cases of coronavirus in Korea and Japan have given people cold feet about Japan and the Yen as a safe haven.” It definitely appears to be true at least for the moment.

South Korea Another survivor In recent days South Korea has been the most significant increase in virus cases. Cases have nearly doubled in just 24 hours. In response to remarks from the Director-General of the WHO on how events indicate a further sharp increase, Korean stocks declined by almost 1.5% overnight.

Traders and the general public certainly hope that the comments of the director-general will not ring true, even though China’s exports to China have already plummeted significantly for February due to the instability of supply chains. In the region, South Korea may play a major linking position, so it is no wonder that the market is responding to the surge in this way.

If you do choose to trade in Forex, use a pivot point trading strategy to determine potential turning points. Using pivot points will enable you to determine when market sentiment goes from bullish to bearish or the other way around!

This pattern will persist at least until the concerns of the virus are high. But, as soon as that happens and what damage has been done to the world economy by then, few can guess.

Despite the positive steps of the day, the couple and the broader economy also face challenges. On a more or less domestic level, the discussions on the future relationship between the UK and the EU are continuing. Today’s new titles reveal that the UK is committing to an entrance scheme based on points, which will severely limit the prospects for unqualified foreign workers.

Eventually, the Coronavirus issue remains unresolved in China. There are few headlines but the epidemic still limits business operations in China and overseas. This widespread instability in the supply chain is seen as the backdrop to the Apple profits alarm and both the DOW and the NASDAQ, which are heavily dependent on the Chinese market.

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Global Trends That Will Affect the Property Investments In 2020



Global Trends That Will Affect the Property Investments In 2020

We live in an era where markets of all the countries are interconnected. Strong global forces are capable of bringing change in the global economy. A global trend can have a positive, as well as a negative effect on the global markets. Some of the examples of the current global trends are the rise of emerging economies like India and China, rapidly increasing digital technologies, etc. Changing global trends open the gates of new opportunities for countries, businesses, and individuals. But, countries and businesses go fail to chance with the changing trends lay far behind their competitors.

What are the global trends?

Any change in the ongoing situation that affects countries all around the world is known as global trends. These trends play a very important role in deciding the fate of an industry. Real estate is no more an exception. Real estate is known to be the backbone of several countries. As we are stepping into the year 2020, it is time to analyze the ongoing and upcoming trends that might influence the property market.

The year 2019 has shown numerous global events that had directly affected the markets all over the world. Though the economy of China and the US continue growing, the trade war between these countries does leave its mark. Their trade war has resulted in imposing a high tariff on numerous imports, including steel, aluminum, etc. These tariffs have negative effects on the economy, which can further effects the real estate markets all over the world.

Every year some countries move towards prosperity, whereas some struggle to fight ongoing crises. Below we have shared some upcoming and ongoing global trends that would affect the real estate industry in the year 2020.

 Global Trends 2020 and their effects on real estate

Technology advancement

Markets in the 21st century are ruled by technology. Technology has been one of the major trends that have changed the phase of the real estate industry drastically. Technology advancement is an ongoing process. In the past few years, technology has been one of the major reasons for the growth of this sector that too, on the global level. It has changed the way property business used to be done. Be it construction, marketing, sales, or customer service, technology has made things quite easy for buyers as well as sellers.

It has helped in increasing the construction quality while decreasing the construction time simultaneously. Last week, China built a hospital within10 days to accommodate coronavirus patients.

In 2019, we saw an increasing demand for augmented and virtual reality concepts. This trend is going to be seen in the year 2020 also. This technology allows a person sitting in one country to see and feel the property while sitting in the comfort of their house in another country. Hence, the country which would be able to imbibe the existing or can be ahead of others in terms of technological advancements would be able to ripe more profits as compared to other countries. On the other hand, countries that fail to adapt to these upcoming technological changes would lag at the global level.

U.S. house prices increase

The year 2019 has proved to be quite good for the U.S. economy. An increase in employment and a decrease in interest rates have resulted in a good YoY in several parts of the nation. However, the year 2018 has laid the foundation for this growth. The real estate industry was booming at that time.

However, the year 2020 might not give the same results. As per the Congressional Budget Office this year, the GBP is expected to slow to approximately 2 percent. Also, the Federal Reserve has indicated that the rate of interest will be increased at least twice this year. By the end of 2019, there was not much increase in the personal income; any increase in interest rate can be troublesome news for the U.S. real estate industry. It’s been some time that the interest rates were towards the lower side, so any increase would be no less than a shock for the real estate market.

Many of the major tech cities like New York and San Francisco have already shown a decline in their house prices. Any decline in tech jobs in these cities or in case the real estate market in these areas becomes a housing bubble than be ready to get surprised in the year 2020.

The higher U.S. interest rate would affect the real estate market on a global level.

We all are well aware of what power the $ hold on the world economy. Every time the U.S. brings any change in its financial policies, it not only affects the U.S. citizens, but its effect can be seen in all other countries as well. Many people compare their currency with the dollar to know about the status of their currency in the global markets. Numerous “forex software tools” are available in the market to know the currency exchange rates.

The reason behind this is that many countries around the world have either use the U.S. dollar or they peg their currency to the dollar. For example, there is a country that uses the dollar as a base; hence, if the U.S. increases its interest rate, then the same change would be seen in that country also. As a result, the homeowners will end paying more money as their mortgage repayments. The home loan interest rate plays a vital role in the growth of the real estate industry. Higher the rate of interest, lesser people would be interested in purchasing the property.

The economy of all countries is interconnected. Hence, any change debt or rate of interest in a powerful country like the U.S. has a global effect.

Increasing demand for sustainable properties

Nowadays, because of awareness, people are more interested in buying sustainable and environment-friendly houses. Studies have shown that millennials are more eager to buy sustainable products. The rise in the demand for organic products is a proof for the same. You might not believe it, but the truth is they are even ready to pay extra for these environment-friendly organic products.

The same trend can be seen in the real estate industry. Hence, landlords, property investors, or construction companies have to find ways to meet the demand for sustainable houses.

For sustainable houses, real estate companies need to use eco-friendly construction material. In addition to this, they need to focus more on the use of renewable energy sources like solar heaters, etc. One very simple change that construction companies and landlords are making nowadays to increase their property demand is that they provide an electric car charging point in the garage of their property. This way, they attract a tenant who owns electric cars.

Huge Urban Expansion

More and more people prefer living in urban cities to enjoy the lifestyle and the facilities provided by them. As a result, the builders have to bring changes in their construction so that they can meet the demand of the increasing population in the urban cities. Hence, the availability of amenities like gym, parking space, club, swimming pool, park, security, etc. is becoming a major point of consideration among the buyers.

Besides this, more and more families are interested in buying or renting a property near to their workplace to save time in commuting. Hence, the construction companies also have to build residential areas near or around these urban cities to meet the buyers, or tenants, residential demand.

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