Thursday, September 23, 2021

Remember these things before taking loan

Remember these things before taking a loan

Remember these things before taking loan
 Remember these things before taking the loan

In today's world there are so many types it's hard to say.

In today's age, the need is so great that many times borrowing - whether to build a house or to educate children and marriage became compulsory, on the other hand, banks and financial institutions also started giving easy loans if that is the case, people take loans from them if necessary. On the other hand, the necessary expenses create pressure on their financing.

In such a situation, the burden of debt gradually hardens and the feeling of drowning in debt is not felt until the water reaches the nose.

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1-Prioritize your needs to balance income and expenditure

2-Create a budget and manage resources, and find ways to get out of debt

3-Analyze the current situation and try to understand, what is the source of income and where the money is spent and where the expenditure should be deducted. If you are unable to pay it even after taking it, do not despair. Yes, these methods have been presented to deal with this situation. Will prove helpful-

4-Make a plan and follow it - usually, enough money should be kept to start paying premiums from the due date, any negligence in this regard can ruin your credit score if you are a student and you have taken a loan for education unless If you can pay due to unemployment, but contact the bank immediately if the lender really tells you about your situation, the lender will not only help you find a job but will also help you repay the loan.

5-Extend Pay Period - Discuss with bank employees and keep them informed about their current financial situation so that one can reduce EMI stress, you can find more earning options even after getting more time.

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6-Anyone can go for rescheduling - loans under a modified scheme with simple terms and conditions or more favorable terms, for example, in many cases the weak or reluctant co-applicant is allowed to replace the strong co-applicant.

7-Existing assets help - a borrower can use his property to get a mortgage and if you have shares you can get rid of the debt crisis with the help of equity. If you have a good credit background, you can benefit from lower interest rates and lower premiums

8-Try Settlement Settlement - Use your negotiation skills to reduce the burden of Settlement, you can pay a single amount in a very short time to get the total discount from the donor, but for that your decent percentage should be there. Be extra careful with written documents before paying reps

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Best 10 Reasons to Invest in Mutual Funds in 2021-2022

Reasons to Invest in Mutual Funds 
Best 10 Reasons to Invest in Mutual Funds in 2021-2022
Best 10 Reasons to Invest in Mutual Funds in 2021-2022



Anyone who follows financial news has heard of mutual funds and knows that the stock market has generally risen for more than 200 years (with various ups and downs). In fact, in many ways, the stock market has made more money for people than any other investment in the last 100 years, and it has become more reliable! If you want to save enough money, you must include stock in your investment!

However, most people who "invest" do not study the market. They don’t realize it and don’t have time to manage their portfolio intelligently. This is the place where shared assets come in.  I respect that others have other opinions, and of course not all mutual funds are well managed - you have to choose wisely and take the right precautions! But, for most people, a good, solid, boring mutual fund is the golden path to wealth.

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Here are my top 10 reasons for mutual funds:

1. Selection. You can choose from thousands of funds (you will find the one that is right for your needs) and you can easily use the information about them. Magazines like "Money" are easily available. There is a lot of credit union information, and your local library is a gold mine - and so is the internet.

2. You can start small. Most mutual funds let you start with less than 1000 1000 and some will let you start with just $ 50 if you set it up for an automatic deposit. I've spent more than this in restaurants! There is no reason not to consider it!

3. Simplicity. You save 10% of your income each month. Pay yourself first, then pay the mortgage, then pay everyone else.

4. Professional management. II don't generally have the opportunity to explore, select and monitor personal stock. So, I pay a small fee to a professional to do it. A decent asset supervisor will make you rich!

5. Compound interest. Which indicator you choose depends on the United States. The stock market has grown at an annual rate of more than 12% over the last 10 years and has remained in the same position for almost 20 years. The market has its good and bad times, but the good news is that you don't care! In 10, 20, or 30 years, the system always works!

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6. Dollar costs average. The details are complex, but investing every month, up or down the market, gives you a tremendous incentive to math. Your "average cost" will always be lower than the "average price" you paid! And that money is in your pocket!

7. Diversity. A broad-based development fund usually invests in dozens of companies in different industries, sometimes in different countries of the world. If one stock goes down, expect dozens more to go up. These funds have excellent security and sound risk management.

8. Skills. If you like, and if you do research, there are some funds that invest in very few companies. If you can take the extra risk, you can put resources into a specific industry, or in a country, or in a company of a certain size, or then again be liable for the climate.  This skill offers the potential for greater profit, but it can also lead to more potential risks. Study before investing!

9. Fund "family". Most are offered by mutual fund management firms that sponsor different funds for different purposes. They make it easy to move your money into funds, so you can make quick phone calls or adjust your investment over the Internet as your goals change.

10. Speed ​​Once you start, your excitement increments. . At the point when you have cash "keeping watch", you will track it, manage it, and in all likelihood increase your desire to save. On the off chance that you experience difficulty saving before ..get started! That monthly statement will be a positive reminder to do more.

VIEW THISWarning: If you received this SMS, be careful!

Yes, you should first invest in tax-dependent retirement plans, and yes, there are different potential outcomes to contribute. And yes, there are some risks, since the market could go down. But for the rich to retire, choose a great, long-haul improvement reserve, invest regularly, and let the system work for you! The key, as always, is to get started!


Here is your success!


Tuesday, September 21, 2021

Warning: If you received this SMS, be careful!

Warning: If you received this SMS, be careful! Otherwise, the bank account will be empty in a few minutes
Warning: If you received this SMS, be careful!
Warning: If you received this SMS, be careful!

With new types of phishing attacks, hackers are targeting banking customers in India as bankers. He is collecting sensitive information like his internet bank,  portable number, and once-secret key (OTP).

The Indian Computer Emergency Response Team or CERT-IN has warned all citizens living in the country about the new scam. This admonition is about bank misrepresentation OR bank fraud. Security agencies have noted that hackers are launching new types of phishing attacks targeting customers as bankers. Hackers are using the Engrock platform for this. Phishing attacks are forcing users to access sensitive information such as their internet bank credentials, one-time passwords, phone numbers, and more.

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Explain that Engrock is a special web application. Fiscal represents a situation where fraudsters steal victims' OTPs by sending passwords, logins, and credentials to trusted organizations.

CERT- mentions that Indian banking customers are being exposed to new types of phishing attacks using the Engroc platform. Fraudsters using these phishing websites are stealing customers' sensitive information and emptying their accounts in a pinch.

Let us know how you can avoid this scam-

Security agencies have uncovered phishing attacks to steal users' sensitive information. The suggestion states that customers usually receive an SMS with ngrok.io ending with a phishing link. The SMS peruses: "Dear client, your xxx financial balance will be suspended. Please verify KYC by clicking on the link below. Click on the link." " The office has joined an example to the exhortation.  It states that fraudsters send a link that ends with ngrok.io/xxxbank. Some of these messages are sent to users. Most people click on such messages because when you receive such messages. , So you rarely check the source or pay attention to small details. It is very easy to deceive fraudsters.

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When a user clicks on the URL provided in the message and logs in to the Facebook website using their internet banking credentials, the scammer receives an OTP that is delivered to the user's phone. The reader then enters the OTP on the website, which has been caught by the hacker.

Here's how to avoid it:

Ignore messages from suspicious mobile numbers. The bank should be notified immediately of any unusual activity related to your bank account. Meanwhile, information about phishing websites or suspicious messages can also be provided at CERT-in event@cert-in.org.in.

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Best medium duration funds to invest in debt securities

 You can choose all these medium duration funds to invest in debt securities
Best medium duration funds to invest in debt securities
Best medium duration funds to invest in debt securities



There are many types of funds available for investment in debt securities. You can think of a medium-duration fund for investing in debt securities for one to three years. It can be seen as an alternative to bank deposits. Let's take a look at the whole dozen funds in the market. Their Crisil rating will also be mentioned in the discussion. Note that the lower the Crisil rating, the better. Rating 1 to 5. 1 is the best. 2 is also very good.

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Crisil rating of IDFC Bond Fund is 5. Its growth rate in the last six years is 1.53 percent.

Crisil rating of Sundaram Medium Term Bond Fund is 4. Its growth rate in the last six years is 0.69 percent.

Crisil rating of SBI Magnum Medium Term Bond Fund is 4. Its growth rate in the last six years is 2.79 percent.

Crisil rating of DSP Bond Fund is 3. Its growth rate in the last six years is 1.73 percent.

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Crisil rating of HDFC Medium Term Debt Fund is 3. Its growth rate in the last six years is 3.13 percent.

Crisil rating of Axis Strategic Bond Fund is 3. Its growth rate in the last six years is 3.17 percent.

Crisil rating of ICICI Prudential Medium Term Bond Fund is 3. Its growth rate in the last six years is 3.32 percent.

Crisil rating of Kotak Medium Term Fund is 3. Its growth rate in the last six years is 2.49 percent.

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Keep an eye on the Market for earning in leisure life

 There can be a long life, keep an eye on the market for earning even in leisure life
Keep an eye on the Market for earning in leisure life
Keep an eye on the Market for earning in leisure life


Remember, you are going to retire after 2 years. He has worked for his entire life,  he has also thought about how to spend his time after retirement. What you haven't thought about yet and still haven't fully understood is the potential for longevity. Yes, the average person lives longer at this age, and life expectancy is generally increasing with the advancement of medicine. However, nobody ought to have any protest in such a manner.  

ALSO VIEWBest medium duration funds to invest in debt securities

We wish you a long and sound life. 

The trouble isn't there.  The problem is when you ruin your retirement savings over this long life. In other words, this free time in the next chapter is so long that your capital and savings are exhausted. Understand what I mean. Retirees should have enough time and willingness to invest in retirement. In short, it shouldn't surrender so without any problem.  You must be more prejudicial in the help you give to others. It resembles thinking profoundly because many people think the idea of ​​austerity is growing as they face retirement. Um sure, yes I know it, why is it already known in the so-called 'Golden Years'.

It should not be forgotten that if we look at the overall situation in our country as well as in the world, the expenditure in the health sector is very high. In the event that you go to a private emergency clinic,  you will quickly understand that there is no need to read the Covid-context in the newspaper differently. 

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The treatment has suffered forever in terms of cost. Well, not only are the prices of surgeries or medicines rising, but health insurance is also demanding hefty premiums these days. And it's not unusual for prices to rise in that area. Simply put, you have to allocate more for it.

This is just one aspect. On the other hand, to live longer means to increase household spending according to the normal rules of inflation. Want to buy oil-soap, rice-salt, right? The wheel of the world will not stop because you are retired, life will go at its own speed.

In many cases, people live comfortably for ten to twenty years after retirement from work. One must be careful at this time - there is no substitute for spending years of leisure in a healthy, healthy body. However, it should never be separated from the market. To be successful in Affiliate Business you need more than Luck To be successful in Affiliate Business you need more than Luck. A combination of both is desirable in the life of a retired person.

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Know the profit or loss if you want to stop your insurance

 Bought life insurance for savings, don't want to run? Know the amount of profit or loss
Know the profit or loss if you want to stop your insurance
Know the profit or loss if you want to stop your insurance



At the age of 55, Babu bought life insurance for 12 years for Rs 6 lakh. Premium on quarterly Rs 19,000 after retirement. After retirement, he calculated that he would have to pay a premium of Tk 6 lakh 7 thousand. Since the endowment will be added to the bonus and part of the profit. So when the savings decreased after retirement, he did this insurance with the idea of ​​making up for those savings again. The question is whether it was right as a saving strategy. That has become hot. What is the road in front of him now?

His argument, however, was one. After retirement, everybody's pay diminishes.  Very few people have the opportunity to continue working in the alliance. Still, the idea to proceed.  But this premium started to feel quite heavy in Mr. Babu's pocket. Despite the fact that it was troublesome,  he continued. Six years, but can not pull. Think again thinking so many days have given so much money as premium. He thought of this insurance as an opportunity for savings and insurance. He still wants to look that way but can't pull the premium anymore. What to do?

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Babu has two options open to him: a) Surrender of insurance, b) View insurance premium as paid up.


We should see the contrast between the two.

A) Various aspects of insurance surrender

You can no longer afford insurance. Or he calculated and bought insurance by keeping savings and insurance together. But now if you look at these two separately, his income will be more. Babu can therefore surrender the insurance. He can get back a part of the premium he paid. But not the whole. Depending on the different policies and insurance companies, this is essential for your discount. However, if you are below 3 years, you are less likely to get some money back. The figure is usually as follows:

30 percent of the premium paid after 3 years.

50 percent of the premium paid for 5 to 6 years.

75 percent after 6 years.

90 percent two years before Machiavelli.

How he thinks of this figure will depend on him. There is another way open in his hands. He wants to save money, he also wants the benefit of insurance, but he does not want to get new insurance. Not even the term. Want to save money again. Then it is better for him to pay the insurance.

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B) The amount of paid-up

The first three to five years are a strange time in the case of insurance. If you stop paying the premium within this period after starting, nothing will be refunded. So let's assume that Babu has crossed the five-year limit. This time he paid up. In this case, just stop paying the premium is enough. In case of surrender, however, the insurance agency must be educated.  Then the company will calculate how much money you can get back in accordance with the terms of the policy and deposit that money into your account. On account of a settled-up strategy,  since the sum insured is involved, it is important to calculate how much your sum assured will stand. The figure is calculated as follows:

Modified Sum Assured = Initial Sum Assured X (how many years premium paid / how many years due

Let's take the example of Abhishek Babu. He bought a policy worth Rs 6 lakh for 12 years. But want to stop premium with 6 years premium. His Sam-Assured will stand-

600000X (6/12) = 4 lakhs.

Keep in mind this figure is just for your guess. In any case the 12 years,  you can also get the bonus and part of the profit. Yet, it will rely upon the particulars of your strategy. Keep in mind that Babu has invested a quarterly premium of Tk 19,000, but he has invested Tk 4,056,000 on this insurance! So no matter how much he gets in the form of bonuses and profits, if he calculates inflation in any way, this money will not even come close to the profit that would have been made if he had invested in another way.

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CYBER INSURANCE: You have to do digital banking, thieves also take chances-GET YOUR CYBER INSURANCE

 You have to do digital banking, thieves also take chances, do you know that insurance has come to save?
CYBER INSURANCE: You have to do digital banking, thieves also take chances-GET YOUR CYBER INSURANCE
CYBER INSURANCE: You have to do digital banking, thieves also take chances-GET YOUR CYBER INSURANCE



Over the last few years, various thieves have been working on your money through the gaps of online banking. The Jamtara place became famous as the place of these thieves. Even in the web series. So many people like to trade by check. But the danger is not less in that way. A survey by cybersecurity firm Norton Lifelock found that 80 percent of those surveyed were victims of cyber thieves in one way or another. The number of thefts by forging checks is not less. On it is the signature non-matching happiness.

In the Indian market, therefore, insurance has now come to avoid the risk of such theft. It will take only 315 rupees a year to buy insurance of one lakh rupees.

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Stealing money is not the only risk. Doing Facebook on mobile from morning till night, your own data is being taken. So if the criminals do something, you are in danger. But there is a cost when it comes to police, and he is being forced to admit many crimes for fear of it. This new insurance will also protect you from all those troubles.

How much premium?

A) Insurance of Rs. 50,000 at a premium of Rs. 183

B) Coverage of 1 lakh rupees at 312 rupees

C) Coverage of Rs. 2 lakhs at Rs. 561

You can buy this insurance for up to one crore rupees. The premium calculation is of course approximate.

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What are the reasons?

This insurance can be your shield if you have to pay for all online transactions, charge or Mastercard installments, VIM or UPI, phishing, adaptable wallet trades. However, you have to claim the money within 90 days of the loss.

This insurance is not only applicable in that country. Even if you lose money online while traveling abroad, you can still claim insurance money.



Which Health Insurance you should buy?

 Buying health insurance? What did you buy? An indemnity or fixed benefit?
Which Health Insurance you should buy?
Which Health Insurance you should buy?

In the early days of Covid, there was always a news headline in the newspaper or on television. And that is the cry of many families under the pressure of just paying for PPE despite having health insurance. And behind this, of course, is the bad habit of not looking at our various risks when buying insurance. Panicked? No, no. There is nothing to get stress over. Indeed, concerning purchasing confirmation, we started with the gift,  then we forgot that there are a lot of issues in the insurance market now. For example, health insurance. 

Everyone says buy one, and you buy too. He did not even think for a moment about his own needs. If you are sick, paying the hospital bill is not your only problem! Well, suppose you get so sick that maybe for a while it puts a strain on your income as well. What to do then? Or think about the cost of treatment. But he did not think of the thousand that he had with him. However, when he entered the medical clinic, he realized that the pressure of medical expenses is not the last pressure. A lot of your money is being wasted on the comings and goings of the people of the house. Then?

In fact, not just clinical protection,  but also the incidental costs before buying all the insurance and how to handle it. And here comes the issue of indemnity and fixed benefit insurance.

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Fixed benefit plan

The amount of profit known by name is fixed in advance. This insurance has to be purchased to meet the retail expenses of the hospital, to cover the danger of a mishap, or to cover the external costs of a particular critical illness. You don't need a paper-like health insurance to get money for this insurance. This demand can be met only on the basis of a certificate from the doctor or the concerned officer. The money comes in handy, so there is no pressure.

Now imagine buying health insurance. The irritation activity is.  With the hospital bill came another long bill that you had to pay out of your own pocket. And he is also worth millions of rupees. What to do? Or back home from the hospital, the need is a long recovery process. Even if you get something for this, your medical coverage won't take care of this expense. 

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 To cover this cost you need to buy a ‘Fixed Benefit Plan’ with health insurance.

Indemnity based health insurance plan

When you bought health insurance, nobody disclosed the distinction to you. The health insurance you are buying is actually an indemnity. No matter how much money you buy insurance, this insurance will not pay you a penny beyond the cost of insurance! And that's up to you. And this insurance will not cover all the expenses of your hospital. Costs such as surgical gloves or PPE.

Insurance is now available in the insurance market to cover almost all your risks. And many of these shots are within our control. Because we do not know but in the face of danger we become helpless. And when someone says, "Hey, this should have been done with insurance." But then, at that point, we must choose the option to chomp our hands. So think, ask questions, then buy insurance. And learn the language of insurance. In any case, it's anything but a truly challenging undertaking.

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