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Best Options for Easy Investment – NAV formula



Best Options for Easy Investment - NAV formula

Nowadays, the financial market offers plenty of investment plans which give high returns on your investment. All these investment plans have ample benefits along with some certain limitations; thus, the client has to invest his money in these plans wisely. Usually, it is the lower and middle-class people who desire to save some amount every year and get high returns on it. A mutual fund is a best-suited option for them because they receive the amount they wished for after a certain period of time. Hence, long term, as well as short term financial goals, can be easily achieved by investing in mutual funds.

The terminology:

The investor should be aware of the terms used in the mutual fund market to understand the investment plans. Few of them are listed below:

  1. The fund manager- The person who does the duty of managing the funds related to the concerned scheme is known as the fund manager. Apart, from managing the funds, he also performs the duty of monitoring the same. The fund manager also has the right to shift the funds from one sector to another or from one company to another if any risks are involved. For the services, every investor has a fund management charge levied upon him.
  2. NAV formula – The acronym NAV stands for net asset value. Only depending upon the NAV( net asset value) we can get to know how many units can we get for the amount we have invested or how much amount can we get if redeem all the units. NAV formula is pretty easy to understand where the net asset is divided by the total number of units by the fund manager.
  3. Unit– It is a part of the total stake which is given to the investor in exchange for the amount he has invested in the funds. Every unit has its own value. For example- The investor will get 4 units if each of them costs 150 and hence he has to invest 600.

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The below are benefits of investing in mutual funds only.

  1. A broad spectrum of choices –The investor can take help from the wide variety of options offered by the market to invest his amount in certain safe sectors. The investor can enjoy with the returns coming from the small caps, mid caps and large caps where the amount is invested by the fund manager. Hence, the wide options make it quite simple for the investor to get high returns at low risks.
  2. Transparency – It is a bit difficult for a common man to understand the complicated investment plans of stocks, gold, and land; hence, a mutual fund is an ideal choice for them. Mutual funds provide a clear cut idea regarding the investments and the returns one would get if he redeems all the units.
  3. Investment is simple– Investing in mutual funds is a pretty easy task. You can buy the units just by filling a form. Also, you can choose among the online or offline options for investing in different segments.

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3 Lessons for Companies to Learn From Subscription Based Ecommerce Market




The subscription eCommerce industry has birthed a fast-growing, new way of shopping online. From apparel and accessories and beauty and makeup to food, fitness and health, and books – multiple industries have dabbled into the subscription business model, thrived and how.

According to a McKinsey study, the sales of subscription commerce retailers touched over $2.6 billion in 2016 from $57.0 million in 2011, with 15 percent of online shoppers signing up for one or more subscriptions to receive products mostly every month.

The subscription eCommerce market has indeed witnessed a commendable growth by more than 100% a year over the last five years. And with 83% of digital shoppers in the US choosing retail websites to shop from, the craze for subscription services isn’t going to stop anytime soon.

After all – it offers consumers a cost-effective, personalized and most importantly, a convenient way to buy what they want.

But what’s surprising is that photo printing and ordering service providers are a bit hesitant to embrace the subscription business model. Thirty-three percent of US Internet users have expressed concern if they lose access to the traditional way of availing those services. And that’s a figure that’s hard to ignore.

So, if you are looking to implement subscriptions for your printing company but are not sure, here is a crash course to help you get started:

1) Choose the correct subscription business model

Generally speaking, there are three broad types of subscriptions: replenishment, curation, and access. While the first option is apt for commodity items, the other two seek to surprise and delight consumers by offering them highly personalized experiences.

Since the core of your printing services relies on personalization, you can create a model wherein your customers can pay a monthly fee to obtain lower prices or VIP member-only perks. box, CrateJoy’s packaging design partner lets the customers customize and order boxes for really small quantities, while the merchants of CrateJoy get 10% off their first order and 5% off for life!

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2) Match demand and supply of your products

You could offer the best, most convenient personalization printing services to your customer base but if you are unable to match demand and supply, your customers will not return to you. Lack of value for money, dissatisfaction with the delivery and poor product quality are some of the reasons that irk customers.

They will cancel their subscription if they are unable to order volumes of t-shirts to match their actual requirements. In such a scenario, they prefer to buy products as and when they need them instead of relies on monthly subscriptions.

But there’s a solution to this problem: a web-to-print storefront will help you in managing orders and inventory effectively. You can keep track of your deliveries and also have an idea of what you have in stock and what you don’t.

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3) Acquire customers through aggressive marketing

Not every consumer will be delighted to subscribe, especially for printing services. Instigating them to sign up for a recurring subscription will dampen their spirit unless they have been doing business with you for a long time and have plans to continue doing so.

All consumers want is to have a great shopping experience – one that allows them to shop cost-effectively or personalize products or services extensively. Whether or not you offer personalization services for t-shirts, business cards, shoes, photo albums, greeting cards, you have to think of different ways to acquire customers.

Offer them a discount or coupon code if they sign up for your VIP membership or get them to make user accounts on your storefront which will get them a cashback. Market these tactics aggressively on your online store via sticky banners, pop-up banners or running paid ads on social media.

As someone who has been in the industry for quite some time, I know exactly what keeps a printing company awake-the need for a business model that is successful and sustainable. In order to get more customers, web traffic, sales, and visibility, you need to have a marketing strategy that performs and delivers results.

Over to you

Subscriptions can enable you to enjoy a loyal, more substantial customer base. However, in this eCommerce segment, churn rates are high, and your customers can quickly cancel their subscription if you don’t deliver a superior customer experience to them. Therefore, think of different ways of accelerating both the profitability and growth of your printing business.

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4 Things to Look at When Doing an Insurance Price Comparison



Best Landlord Insurance

In the insurance world, we are in fierce competition as there is a lot more going on with our insurance policy than what we realize. While we are making efforts to make a price comparison, you must know the points that can help you make a difference. In our life, we across some people who have all the same qualities as you, the same type of vehicle, that same home paying a different price than yours. If all things are the same, it might make you wonder that what makes one insurance company more expensive than another?

  1. Lowering the Price of Insurance with Discounts

When you sign up for an insurance policy, you may think you will get all the possible discounts if you apply for the policy properly. However, sometimes you are eligible for some discounts that you won’t get if you don’t ask your insurer about.

Discount Rules Vary with Each Insurance Company:

In a big city like London, each Insurance company has different discounts. Where a company might give a 10% discount if you make no claims while the other may give 30% for the same reason. Or, on the other hand, where one company give you no claim bonus discount after 3 years for auto insurance, another may wait for 5 years to pass. There is no other way to get the discount you would be able for unless you ask.

Looking at the other example, where an insurance company might offer you a discount for installing safety devices that is a good tool to get the discounts while the other may just add an allowance for it in the rates. However, if you forget to mention, the discount would be skipped from the insurance policy for the reason you just did not mention.

Another thing to remember is that every year when actuaries review the insurance premiums and losses, your policy needs may change. If you stick with the same company year after year, your policy may renew with the same discounts that were written before.

Missing Information/Mistakes in Your Insurance Application Can Raise Your Costs:

If you are not updating your information with the coming years, the insurance company may cost you money as there are new situations that raised, and you would be qualified for the new discounts too. When you go in search of another Insurance Company London to get a new quote, they ask you about the current information, however with the company you have been for many years may have missed something.

Human Errors Can Cost You Money on Insurance:

It has been observed in a number of cases that there is a big difference between one insurance company’s price, and another could be how well the representative has filled the information – mostly in the case of online insurance quotes.

Be sure and review the information used to get the quote whenever you get a quote from an insurance company. Sometimes you see missed information that caused a problem and can make you eligible for preferred rates.

  1. Insurance with Credit Scoring

Some insurance companies offer you a discount to use the credit score to reduce the price of insurance. Insurance companies are offering this because the statistics prove that people with good credit score make few claims. When people make fewer claims, they have to pay less money for their insurance.

If you are having a good credit score with good insurance history, you can get from Insurance Company London would offer you an Insurance quote at a lesser price.

  1. Insurance Policy Price Comparison

Usually, insurance companies have a wide range of covers to offer their clients. Putting questions about the policy options may help you explain why one policy might be more expensive than another.

Make sure you ask about these coverages and limits;

  • Deductibles
  • Basis of Claims Settlement
  • Exclusions
  • Special Limits of Insurance
  • What risks are covered
  • How much liability insurance you have?

Also, some insurance companies offer various perks or advantages. An insurance premium of such companies may be higher but the benefits you get from them may be worth it.

Does Your Insurance Policy Have Perks Include?

Some insurance companies may include perks such as;

  • Roadside assistance
  • Identity theft protection
  • Coverage for Pets
  • Legal Assistance

Be sure that the coverage you get with your policy must be explained to you so that you can decide if you will continue the perks onward or would rather take a policy without them.

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  1. Comparing Your Price by Bundling Insurance Policies

We usually listen about bundling more than one policy i.e. auto, home and life under one insurance company can help you save money. Else of getting a discount, you can get other advantages by bundling the policies.

When an insurance company insures multiple policies for you or for several of your family members there is a greater chance that your premium price would be reduced.

Relationships Can Lead to Negotiating Better Prices

Often, we think the price of insurance is as simple as the quoted price we get via online, or it can be. However, if you have a relationship with your insurance agent or insurance broker, they can look at the big picture, such as:

  • how long you have been with the same insurer
  • how many policies you have with them?
  • how many people you have referred?

They just might be able to go to bat for you to get an even lower price on your insurance.

Another advantage of combining insurance policies is that if you do run into trouble or have a difficult situation like your vehicle gets stolen or you may come across an accident making a couple of claims all of a sudden, then if you have a stronger relationship with the insurance company you can get more advantages when the agent or broker negotiates for less expensive insurance on your behalf.

How to Get the Best Insurance Price Comparison?

Finding the cheapest price on your insurance can be tricky. If you are insured with an agent who only represents one insurance company, then shopping around may be the only way to find out if you are paying a fair price on your insurance.

For more information, you can visit Cubit Insurance to know more about the best deal.

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Five Major Reasons Big Screen Hire Is Great for Your Business



Big Screen Hire

There comes a time in our lives when we have one eye on our daily and something have in our mind to plan for the upcoming event. As the time approaches near, your mind gets more active and come out with different ideas to plan your event successfully. Just take a moment out and think how display technology can help your business end the year with a visual bang. Choosing a Large Screen Rental for your event is all that your audience will be most attracted to.

As you are planning the event, you must know the amount of detailed planning and how to manage it. There are a lot of things to be taken in your mind to ensure everything happens as and when it should. You want to go every moment smooth as it is just a part of the challenge. You want your event to leave an impact, look professional and to deliver to your attendees or guests what they have come for.

One way to do exactly is to choose a big LED Screen Hire for your event. This technology is considered expensive it was reserved for the large scale big-budget events you would see on TV. But now, with the advancement in technology, costs go down, therefore, more and more organizations are using these temporary structures to improve their exhibitions, conferences, fundraisers, and community events.

Here are five reasons to consider big screen hire with impressive screen from the latest fleet;

A Big Screen Is Exciting!

Do you want your organization’s end-of-year social event or Christmas party to be just amazing? One way to throw a great show is to do something exciting! You can create a movie of all your photos or special events happened in the past to show that to your attendees. This would be a great idea to capture the attention of your attendees or guests giving them the idea about your organization and the product or service you are going to provide.

You may ask a creative team member to edit photos or footage from various gatherings, meetings, live campaigns or business events into an outstanding year in a review slide show or video. Everyone will be amused to see those highlighted from the past 12 months suddenly appearing on the big screen.

You can also set up a space for video games or virtual reality experiences to wow your audience. You can also use the screen to play YouTube videos or music background visuals. Hire a big LED Screen for your event and have some fun with it!

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A Big Led Screen Is Impressive

Well, it’s okay to use a decent data projector and projector screen to display all the important company facts and figures or show a new product or service demonstration video to a room full of stakeholders. However, if you want to capture the attention of the individuals who will matter to your business next year. In simple words, choose quality over price when the situation calls for a positive impression.

A Big Led Screen Is Easily Seen

Who is not aware of the fact that our eyes are easily drawn to a large screen with a high-quality picture. In our daily lives, we know the excitement of going to the cinema or watching favorite TV shows on the flat screen at home. Well, awesome digital screens compel the viewers in business settings too! Simply stated, if you want to divert the attention of your audience to a piece of visual content, for instance, digital signage or videos promoting new products. When you choose a big LED Screen Hire London services then it would do all that you want to do. Depending upon the number of audiences or for high potential customers or clients, you will decide the size of the screen.

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A Big Screen Can Be Dynamic

If you have a lot of content to share or show off, you can put that on the screen to display in front of your audience. Whatever you’re planning to communicate, you just want the guarantee that message will be more engaging if you incorporate a dynamic element using a touch screen (like the Microsoft Surface Hub or another leading model). By using touch screens, you can mix and match content on the run, so the time has flown bringing down special occasions should be well and truly over.

A Big Screen Makes Presentations Better

End-of-year presentations, business updates, awards ceremonies, and campaign reports are important, but they are not necessarily going to excite the audience from start to finish. Instead of going through the motions like it’s just another weekly or monthly check-in, turn your final presentation of 2019 into something thoughtful, interesting and possibly even memorable using a digital display device as your key accessory. It will give bright color, clarity, and creativity the better.

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Budget 2019 – 5 Announcements to look after for salaried class



Tax savings

More than 50% of Indian population is young and below 25 years of age. The salaried class is eager for their economic growth and social aspirations to fulfill his or her goals. The government is becoming aware that digital India is making great strides. Tax savings is one of the most sought-after agendas of salaried individuals. Witnessing this, the finance minister, Nirmala Sitharaman has transformed the budget-making process into a democratic exercise. 

Here is what salaried individuals can expect from Budget 2019:

Revised Income tax slabs

Earlier this year, the government introduced a full tax rebate to taxpayers with income of up to Rs 5 lakh. This is the reason taxpayers under another cohort also expect a change in the income tax slabs in Union Budget 2019. The revision is expected to balance the rise of income tax rate of 5% to 20% for income groups between Rs 5 lakhs to Rs 10 lakhs.  

Realistic employee tax benefits and allowance

In the past few decades, the salaried class hasn’t seen a hike in allowances and tax-saving benefits. It will be a great benefit to the employees if the Union Budget 2019 considers a tax compliant solution and the limits are raised for practical reasons. Currently, tax compliant digital solution that is available to the employees is Sodexo Multi-Benefit Card that helps to save up to Rs12000 as tax savings annually with additional saving worth Rs 8000 through Sodexo exclusive deals.  

Women employees and job market

There is an expectation that tax exemption slab might be introduced to encourage women’s active participation in the workforce. Other expected provisions include deductions for expenses like daycare enrolment, creche facilities, and domestic help.  The government’s focus in the past few budgets has been to boost tax savings for employees. One can expect policies and programs that will eventually improve job creation. This implies that the business environment will be positive, and employees can expect a healthy hiring market in the near future. 

Raised section 80C limits for taxpayer employees

Section 80C limits matter when it comes to tax savings for employees. There is a demand to increase this limit from Rs 1.5 lakh to Rs 2.5 lakh or more than that. A significant hike in Section 80C limits will help provide more room for tax savings. It will also prove to be beneficial for salaried class with home loans as they will be able to avail better tax benefits on interest payouts.  

Interest on PF fully tax-free

Salaried individuals have been waiting for the interest of Provident fund to be tax-free. Currently, according to the income tax laws, withdrawal from EPF before completing five years is taxable. It will be encouraging for salaried class if withdrawal from EPF becomes tax-free.               

The finance minister will present the budget on July 5. Salaried individuals are expecting some tax relief in the announcements this time. Considering the inflation and increased the cost of living in major metro cities, the government might look into it and come up with tax compliant solutions that will eventually increase exemptions for various investments. The Union Budget will subsequently have its effects on everyone, right from corporate firms to salaried class of the country as it can impact the financial situation for the rest of the year.

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5 Tips to Grow Your Shirt Business with Shirt Design Software



Shirt Business

The good times are finally here for t-shirt businesses. They now have the support of technology to expand their base easily and even without a big investment in infrastructure. With product designing concept gaining popularity all over the world, there was probably never a better time than today to be in the business of apparel. It’s quite easy these days to live up to the expectations of new-age customers by giving them the freedom of product designing. That’s why a growing number of online stores now look to integrate the tool or software that enables t-shirt designing to customers. 

Growing t-shirt business has become quite easy for various reasons, including –   

  • You don’t have to invest a lot of money to set up a store or open an apparel shop
  • The technology or the advent of product designing has made it possible to exceed the tastes and preferences of customers
  • Apparel stores are now saved the inconvenience and cost that accrue in managing a stock of t-shirts
  • Your t-shirt business will find it easy to stay true to the changing trends and dynamics of the market 
  • And lastly, the use of software for t-shirt business will help you’re delivering value for money to customers

Here are 5 ways to grow your t-shirt business with the software for product designing – 

  1. Integrate the software with your e-commerce website

Shirt Business ecommerce

Shirt Business eCommerce

There are software apps for bringing capabilities of product designing to your website. All you need to do is integrate one of them with your store and reach in a position to deliver value to customers. An expert team will do the integration so that the tool easily matches with the theme of the business. It’s also possible to custom develop features and support the growth and specific requirements of the business easily. 

The software will come packed with all the standard features and functionalities that ensure product designing features to the site. A one-time investment will help you widen the base of the business and deliver value to customers easily. 

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  1. Use social media to spread the word about the software 

social meadia

social meadia

If any integration of the software were enough, every t-shirt business would be a million-dollar entity. But sadly, this is not the case as what you have should be known to the world. Unless potential customers know your wares, how can you expect them to visit your apparel store for buying a t-shirt? That’s where social networks can prove more than handy as you can leverage their reach and clout to spread the word about the software.

You can highlight the software on social networks like Facebook, Twitter, etc. and let its features known to the target audience. You can list out its features and value proposition and gain lots of mileage along the way.

  1. Display your t-shirt designs on forums and fashion platforms  

Shirt Business ecommerce

Shirt Business ecommerce

It’s true that product designing is an innovative concept and the software that enables it is equally praiseworthy. However, you also need to take the t-shirt designs to the world so that some sort of curiosity can be stirred into the minds of the target audience. It’s always a good step to display or show your apparel designs on forums and fashion platforms. This will give your designs a wider audience thereby conversion rates can go up.

It’s not tough to find forums and platforms that display unique t-shirt designs. Plus, most of them are free of cost and you can trust them to help propel the sales.

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  1. Seek reviews and feedbacks from customers 

working couples

working couples

Customers are always the king, no matter what business you’re in. It’s always a good strategy to seek reviews and feedbacks from them for your t-shirts as this will help in sales. You can post reviews on the store as many people these days make a purchase decision based on those feedbacks from customers. 

Reviews always help and t-shirt selling sites that have them achieve better conversions and more sales than those who don’t. When your apparel store has customers raving about the design and quality of the product, it can definitely give a boost to the sales.

  1. Use SEO to improve your software searchability 

SEO & Traffic Bonuses PackageThat your apparel store has integrated shirt design software will be known to more people only when search engines say the same. This is where SEO comes into the equation as you can benefit from it and let people search and find more about the product. When the software and its feature start appearing in SERPs, you can then be sure of the success of the concept.

Clearly, product designing is something that can transform the face of your t-shirt business easily and surely if you implement it correctly. The trick though is always to trust a right partner for the software and its integration in a hassle-free manner.  

Author Bio:

Nitesh Ranjan is a digital marketing expert with keen interest on topics, trends, and ideas related to brand promotion and advertising. He regularly shares information on the ways to market businesses across digital channels for better ROI, increased conversions and more sales. His blog can help anyone interested in boosting the online visibility in the digital world and eyeing access to a wider and bigger marketplace without spending big on marketing. Trust his digital marketing knowledge to enhance your brand’s presence on the internet.

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