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Finance

How to Create a Safe and Healthy Environment for Your Customers

It is crucial for business owners to prioritize establishing a safe and healthy environment for their patrons. Cleanliness, maintenance, and aesthetics should be made a priority in order to not only improve customer satisfaction but also to instill a sense of trust in your company.

Maintain Cleanliness and Hygiene

Prioritize Regular Cleaning

Staying on top of the cleaning is important for good health. This includes dusting, sweeping, mopping, and disinfecting surfaces. The frequency of cleaning required may vary based on the type of business you have. For example, foodservice establishments should be cleaned daily, while office spaces may only require weekly cleanings.

Consider Commercial Cleaning Services

The experts at All Pro Cleaning Systems say that to ensure a consistent level of cleanliness, it is worth hiring commercial cleaning services companies. These pros have the knowledge and gear needed to keep your customers safe. They can also help identify areas that need improvement and create a customized cleaning plan for your business.

Provide Hand Sanitizing Stations

Placing hand sanitizing stations throughout your establishment encourages customers to practice good hygiene. Ensure that these stations are easily accessible and well-stocked with alcohol-based hand sanitizer.

Enhance Air Quality

Improve Ventilation

Proper ventilation is crucial for maintaining good indoor air quality. Ensure your HVAC system is in good shape and the filters are clean. You can also open windows and doors to allow fresh air to circulate whenever possible.

Invest in Air Purifiers:

Get high-quality air purifiers for your business, especially in busy places, to help get rid of pollutants, allergens and airborne germs. These devices are designed to offer cleaner air quality.

Ensure Proper Lighting

Good lighting not only creates a welcoming atmosphere but also helps to promote safety. Make sure that your establishment is well-lit both inside and out. Replace any burnt-out bulbs promptly and consider upgrading to energy-efficient LED lighting.

Address Maintenance Issues Promptly

Keeping up with maintenance is important for customer safety. Stay alert for any possible dangers, such as unstable flooring or damaged fixtures, and take immediate action to resolve them. Implement a maintenance schedule to help prevent issues from arising in the first place.

Train Your Staff

The significance of your staff in ensuring a secure and hygienic atmosphere for your patrons cannot be overstated. Make sure your team is familiar with cleaning and sanitizing procedures, plus emergency response protocols. Encourage open communication and empower your staff to report any concerns or issues they may encounter.

Communicate Your Efforts

Ensure that your customers are informed about the measures you are undertaking to establish a secure and hygienic atmosphere. Display signage that outlines your cleaning and safety protocols and share this information on your website and social media channels.

Conclusion

The success of your business depends on establishing a secure and healthy atmosphere for your clients. Implementing these strategies means you can provide a welcoming atmosphere that promotes customer satisfaction and loyalty. Remember to consider the unique needs of your establishment and adapt your approach as necessary. When you focus on cleanliness and safety, you can stand out and make sure your customers are always satisfied.

Your employees are also integral to maintaining this environment, so provide them with proper training and support. Finally, communicate your efforts to your customers to demonstrate your dedication to their well-being. If you take the time to implement these measures, you will not only be providing a safe and health-conscience environment for your customers, but you will also be increasing the success of your business. Ultimately, delivering a positive customer experience will cultivate loyalty, encourage return visits, and set you apart from your competitors.

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Finance

Mark Hauser of Hauser Private Equity Defines Credit Card Fraud, Establishes Common Lines of Defense

Does the idea of having your identity stolen keep you up at night? The FTC reports that credit card fraud has risen over the years, and this is due in large part to our increasing reliance on digital processing. As more and more individuals adopt the convenience of digital spending, with their cards and on the internet, there is the expectation that more fraud may occur.

With all of that being said, Mark Hauser of Hauser Private Equity has made a career out of helping his clients to protect their financial future by preparing for it.

In today’s conversation, we are going to navigate the realities of credit card fraud while adhering to guidelines put in place by Mark Hauser.

Understanding the Realities of Credit Card Fraud

When Mark Hauser first attended and graduated from Miami University of Ohio with his degree in finance, he couldn’t have foreseen how dramatically the financial world would shift in the coming years and decades. Now, tuned to the needs of his clients, Hauser has a strict approach to dealing with the realities of credit card fraud.

  • Understand the Problem – Credit card fraud can impact you whether you have a card in your hand or not. Digital data breaches can put your information in the hands of a hacker just as quickly as your card can be cloned from a machine skimmer at the local gas station. Becoming aware of the realities of credit card fraud is the ideal first step.
  • Take Quick Action – Most credit card fraud can be addressed without much material harm to the cardholder. However, this requires a quick response on the part of the cardholder. Subscribe to credit card fraud alerts to help you stay aware of potential fraud so that you can nip it in the bud when the situation presents itself.
  • Practice Secure Habits – Avoid falling prey to most of the typical fraud schemes by practicing secured data habits. Make sure to rotate your passwords and store them offline in an area where they won’t be accessible to intruders.

Mark Hauser suggests that an ounce of prevention can go a long way toward preventing potential issues in the future. By becoming aware of potential issues, we can avoid them entirely.

Learn More About Mark Hauser

The HAUSER Group is headquartered in Cincinnati, where Mark Hauser oversees it. Rapidly expanding since the company’s inception, Hauser has opened offices in Atlanta, Kansas City, St. Louis, Los Angeles, and Chicago.

Throughout his career, Mark Hauser has enjoyed a dynamic range of investments and financial ventures alongside partner Bob Castellini, including the development of the Cincinnati Sports Mall. The Cincinnati Sports Mall features more than 110,000 sq/ft of space on 13 acres, serving as the official facility for the MLB’s Cincinnati Reds.

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Finance

Why You Need To Buy Your Term Insurance Online

If you’re shopping online for a term plan but are concerned about its safety, this article is precisely what you need. Yes, buying a term plan online is safe to answer that question. If you are considering buying a term insurance policy online, you can visit their website and look at various plans offered by them while choosing from those that best suit your needs. These websites also protect transactions and personal data.

You can learn more about buying insurance online by looking at the advantages mentioned in this article. Let’s have a detail of why you should buy term insurance online.

Advantages Of Buying Term Insurance Online

1.No commissions from intermediaries unless otherwise specified.

The fact that online term plans will show a reduction in total cost, given no intermediaries are involved, is another significant advantage of purchasing policy on the Internet. Therefore, by buying a term plan online, the intermediary costs or agent fees are eliminated, and you will receive the same procedure at a lower price than offline rates.

  1. Access to all information at your fingertips

Insurers are now explaining how this scheme operates so you can be completely transparent with what you buy. Most insurance companies allow you to get everything on their website, whether it’s requirements for your identity or the application process. Before purchasing your policy, you’ll find sections that will give you detailed information on the additional riders to acquaint yourself with.

  1. Without prejudice, compare policies transparently.

In addition, comparing various term policies based on a wide range of terms and conditions is one of the most significant advantages of buying insurance over the Internet. If you’re dealing with an agent, you can choose a sales assistant trying to sell you a policy from a company that’s an employee or an endorser.

Once you’ve purchased an insurance policy online, before making your final decision about whether or not it is the one you want to buy, you may gather all the necessary information. Specific details of the policy, such as availability of riders, tenure offered, or insurance company-specific features like a claim settlement ratio, may be part of the parameters you can use compared to other term plans.

  1. Keep track of your premiums, policy duration, and more

The convenience of using an online mode for keeping policy payments, renewal dates, premiums, and more conveniently is one of the main reasons you are very well protected when purchasing an online term plan. This encryption will usually be called OTP one-time password protected, meaning that the number or email associated with your insurance account receives a passphrase you need to enter each time you want to log in. This means that when purchasing a policy, you can do so online or on the Internet and keep track of it very safely.

Online purchasing of term plans is very secure. There are other advantages to purchasing a term life insurance policy online. You must sign up for an account to protect your data from the decrypted portal. Using your phone, you can track your premium payments, insurance tenures, and much more. Lastly, you’ll be able to see all the details about your insurance at any time that is most convenient for you.

At the same time, you may benefit from access to all your policy details whenever you wish. Thus, you will be sure that your insurance product is appropriate for your needs. If you prefer to interact face to face, it may be worth contacting the life insurance agent and purchasing a long-term plan from him as soon as possible.

Aditya Birla Sun Life Asset Management Company Limited, previously called Birla Sun Life Asset Management Company Limited, offers a protection plan named Birla Sun Life Term Insurance Plan. The most popular term life insurance policy provided by the insurer Birla Sun Life, which includes an insured benefit for terminal illness, is the Aditya Birla Sun Life Insurance Shield Plan. Furthermore, you can view complete policy details and more extensive customer service options such as policies, due dates, and fund values. You can download statements like premium receipts, tax certificates, or account statements on WhatApp.

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Finance

How do you trade equity derivatives?

Are you intrigued by the concept of equity derivatives but need help with how to go about trading them? If so, you’ve come to the right place. This article will discuss and explore the world of equity derivatives in depth. We’ll talk about what they are and why traders gravitate towards them; explain different types of strategies available for specific applications; provide insight into risk management considerations that should be considered when trading these instruments; and share some tips on how you can start your derivative trading journey.

By arming yourself with knowledge related to this complex field, you can increase your probability of success as a trader. Ready? Let’s dive into it.

What are equity derivatives, and how do they work?

Equity derivatives are an intriguing financial instrument that allows investors to hedge their portfolios or speculate on the future direction of stock prices. While equity derivatives may sound intimidating, they can be understood by breaking them down into smaller parts. A derivative contract is based on an underlying asset, such as stocks or indexes.

The most common type of contract is called a Futures Contract, which essentially locks in the price of an underlying asset for some time – either the investor could buy or sell at the contracted rate. Another type of derivative is called an Option, which similarly locks in the price but, unlike futures contracts, allows only one side of the transaction between two parties which means you can take advantage of market volatility without much risk.

No matter what your financial knowledge and background, understanding derivatives can open up great opportunities for gains and diversification.

Types of equity derivatives strategies

While there are many variations of derivatives trading, traders use two main types of strategies: hedging and speculation. Hedging is a strategy to minimize risk by taking out insurance on an underlying asset. For example, if you own shares in a company but fear the price could drop significantly, you can purchase a put option (a type of derivative). This contract allows you to sell the shares at their current value even if the market drops later.

On the other hand, speculators aim to capitalize on volatility—they buy contracts with long positions when they expect prices to go up or short positions when they anticipate prices will go down. This approach allows speculators to generate profits from rising and falling markets as long as they correctly time their trades.

Whether you’re a hedger or a speculator, understanding the concept of derivatives and how to use them is essential for success in this field.

Advantages and disadvantages of trading equity derivatives

The main advantage of trading derivatives is that it allows investors to hedge their portfolios and reduce risk. It also provides an opportunity to speculate on the future direction of stock prices while limiting exposure to potential losses.

However, some risks are associated with this form of investing, including liquidity, counterparty, and basis risks. Liquidity risk refers to the difficulty in finding buyers or sellers for a particular instrument; counterparty risk arises when one party fails to honour its side of the contract; and basis risk is when unanticipated changes occur between two different markets (such as spot price vs futures price).

Knowing these risks before getting involved in any Australian CFD trading activity is essential, so you’re well-prepared for potential losses.

Tips on how to start trading equity derivatives

The first step in learning to trade equity derivatives is to familiarize yourself with the different types of contracts and their associated risks. It’s also essential to understand the markets you plan on trading, such as benchmark indices or individual stocks, and keep up-to-date with the news that may influence prices.

Once you have a good grasp of the basics, it’s time to practice your skills in a simulated environment before risking real money. Most brokers offer demo accounts where you can hone your skills without putting any capital at risk; many will even provide access to historical data, market analysis tools, and technical indicators so you can better understand what drives prices.

Once you feel comfortable and confident in your abilities, it’s time to start trading for real. Take things slowly and stick with your strategies until you’ve gained the experience to make more advanced trades.

Common mistakes to avoid when trading equity derivatives

One of the new traders’ most common mistakes is diversifying their portfolios. Spreading your capital across various instruments and contract types is essential, as it reduces risk and helps you hedge against losses.

It’s also important to be aware of your emotions when trading. Panic can lead to bad decisions, so try to remain calm even in volatile markets and stick with your strategies. Additionally, don’t get too greedy—it’s easy to become overconfident after making a few successful trades, but it’s important not to let this cloud your judgement.

Finally, never trade with money you can’t afford to lose; know when to cut your losses, take profits, and stick to your pre-determined limits.

By understanding these concepts, following simple rules, and remaining disciplined when trading, you can minimize risks and maximize your chances of success in the equity derivatives market. With the right approach and attitude, you can become a successful trader.

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Finance

Union Budget 2023 and its Impact on Life Insurance Sector

On February 1st 2023, the Finance Minister of India presented the annual Union Budget 2023, which the government termed as the first budget of the Amrit Kaal. The budget has made way for a comprehensive review of the rules and regulations in the financial services sector to simplify the rules and reduce compliance costs.

While the experts suggest that there were a few hitches in the budget presented, the insurance sector was in for a more bitter surprise. Like others, the insurance industry had a lot of expectations from this budget like–

  • Increase in the deduction limit on taxes on life insurance premiums paid under Section 80C of the Indian Income Tax Act
  • A separate deduction on home insurance
  • Rationalisation of the GST rates on the insurance premiums
  • A tax-free status on the pension and annuity plans

However, none of these expectations was considered in this budget.

Let us look at the key proposals from the Union Budget 2023 impact on the life insurance sector

Over the past couple of decades, the taxation on life insurance policy proceeds has undergone a slew of changes. The amendments on taxation have been introduced to limit the tax exemptions to only high-risk and low-investment life insurance policies.

In 2003, the Finance Act, introduced taxes on all life insurance policies offering less than five times the insurance coverage. Later, it was increased to 10 times the insurance cover, vide the Finance Act, 2014.

To everyone’s surprise, the Budget 2023 proposes to levy taxes on the net proceeds from non-ULIP policies that will be issued on or after April 1st 2023, having an aggregate annual premium of more than INR 5 lakhs, under the ‘income from other sources’ head.

Furthermore, the premium paid for life insurance, including term insurance policy and claimed under any section like Section 80C of the IT Act, will not be allowed as a deduction while calculating taxable income. However, the budget 2023 proposes to continue giving tax relief on the amount received by the family after the policyholder’s demise.

The premium paid for term insurance, money back policy, whole life insurance and endowment plan will be considered to calculate the total premium payments. Although the standard term insurance plans do not offer any maturity proceeds, they will be considered for tax calculation purposes. Also, the premium calculations will be done at PAN level.

IRDA (Insurance Regulator and Development Authority) has been actively working to increase insurance penetration in India and promoting life insurance policies under the ‘Insurance for all’ by the 2047 mission. However, the experts believe that the announcements made in Budget 2023 will be a significant deterrent for IRDA to achieve its ‘insurance for all’ mission.

The proposals to levy taxes on life insurance premiums and proceeds are likely to have a significant impact on the life insurance business.

Final Word

Many industry experts have suggested that the Union Budget 2023 has highly disappointed the insurance industry as it was expected that the government would increase the deductions under Section 80C and Section 80D to encourage people to purchase insurance policies. However, the government of India, in this Budget, has given tax incentives to people adopting the new tax regime.

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Finance

Understanding Credit Card Reward Points

We are certain that you have heard a lot about the concept of credit card reward points. It is one of the ways in which the credit card company/issuing bank rewards you for using their services. Additionally, we are also certain about the fact that you know people who have got a wide range of benefits due to their credit card reward points. If you want to understand this concept more intimately, you have come to the right place. Read on to know what credit card reward points are all about, actually.

First things first, credit card reward points are basically a form of currency that the financial institution which has issued the card has come up with. They are usually given out in proportion to the quantum of your credit card spends. But, keep in mind that you will only get the reward points in question after making timely credit card payments in full. You tend to lose any points that you have earned for a particular transaction if it is converted into EMIs.

If you have earned a significant amount of reward points, you can easily redeem them at places and/or online outlets which have a tie-up with the credit card company. Depending on your credit card issuer and their tie-ups, you can redeem your credit card reward points for things ranging from clothes, accessories, pieces of tech to free flight tickets and stay at luxury hotels.

In order to redeem those points, in some cases, you will need to log on to the website of the issuing financial institution with your credentials. Alternatively, you may need to contact the merchant that the financial institution has a tie up with, directly to find out what you can get for your points.

Also Read: How to generate credit card pin

In the case of, say, the Airtel Axis Bank Credit Card, for example, you can redeem your reward points for things such as airport lounge access, scrumptious meals at select restaurants and buy products at highly discounted prices. In some cases, you will either have to log on to the Airtel or Axis Bank website with your credentials or call the eating establishment directly to know what your reward points can get you. Also, keep in mind that in time, the credit card reward points become more valuable as banks are constantly looking to form partnerships and tie ups with various merchants to get their clients the most for their credit card spends.

Conclusion

So, now you have a rundown of what credit card reward points are all about. But, keep in mind that depending on the type of card you are going for and its issuing financial institution, the benefits you will be eligible for will vary. Hence, we would always advise you to choose a credit card wisely and even take a look at their reward points scheme beforehand in order to make a decision. To know more about how credit card reward points work, you can always take a look at what the Airtel Axis Bank credit card reward points can get you.

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Finance

How to Choose the Right Personal Loan Tenure

A personal loan is obtained to cover any unanticipated costs that may arise. After expenses, you have restricted access to funds and have a financial crisis. It is a personal loan that will support you no matter what. To pay for all the bills you weren’t expecting, you take out a personal loan.

You can utilise the borrowed funds for a number of things, including dealing with an emergency, funding your business, or continuing your educational objectives. However, the interest rate levied on personal loans is substantially higher when compared to other forms of loans, such as home loans or school loans, because you are not required to produce collateral to obtain one. Because of this, it’s crucial to make a financial plan before applying for a personal loan. You should give serious consideration to choosing the right personal loan tenure that you select while making your financial plans.

Start by thoroughly understanding your ability to repay, then determine the duration of your personal loan accordingly. Simply put, repayment capability refers to your ability to make on-time loan payments. Lending institutions want to make sure that you, as the borrower, will be able to make on-time loan payments or avoid defaulting without difficulty.

There can be many reasons to take a personal loan. Below are a few of the reasons why you should apply for a personal loan to deal with emergency situations.

Consolidation Of Debt

Debt reduction is one of the most prevalent grounds for obtaining a personal loan. You combine all of your outstanding loans and credit card bills into one monthly payment when you apply for a loan and employ it to pay off a number of other loans or credit cards. When your debt is consolidated, it is easier to set a timetable for paying it off without being overwhelmed.

Medical Costs

Unexpected emergencies happen. The last thing we should be thinking about in the event of a medical emergency is money. Even health insurance falls short in situations like this. However, with medical emergency loan, we can receive funding in only a few hours and assist our loved ones in resolving the issue.


Renovating a House

A personal loan can be used by homeowners to make improvements or necessary repairs to their homes. If you don’t have equity in your home or don’t want to take out such a home equity loan or line of credit, take into account personal loans.

You are generally not needed to use your property as security for personal loans because they are frequently unsecured.


Secondary Education

Sometimes, obtaining an education loan requires admission to only a certain group of universities. Personal loans save the day in these situations because school loans may not be able to pay all of the costs that one may have anticipated.

Below are things to keep in mind while choosing the right personal loan tenure


Keep an Eye on Your Monthly Spending and Budget

How much a personal loan will cost each month is among the most crucial factors to take into account when picking a tenure. The only thing you need to do is list your monthly expenses and deduct them from your monthly income. Examine your remaining funds and the amount you’ll need to set aside to fulfil your near expenses. The balance will be used as your monthly EMI payment. Never take on more than you can handle; instead, pick an EMI that is simple to fit into your budget.

 Think About Your Contractual Liabilities

Considering your other financial commitments will also assist you in picking the ideal personal loan term if you have any. You typically have to take other debts, credit card payments, rent, school expenses, and other things into account. Make sure the period you choose will allow you to fulfil all of your commitments without too much difficulty. Get a clear understanding of what has to be done by using spreadsheets and the appropriate calculations.

Determine The Amount of The Personal Loan You Need

Decide on the amount of the loan you need before submitting an application for one. When choosing the right personal loan tenure directly affects the amount of your loan. You might require more time to repay the capital and interest if you obtain a loan for a larger sum. So, as a general guideline, never take out a personal loan for more money than you actually need. Understanding why you need the loan and how much money you’ll need to achieve your goal will help you estimate the loan amount needed accurately.

The Interest Rates to Be Used

Your credit score determines the personal loan interest rates, which also has an impact on your ability to obtain a personal loan. The length of time you select to repay the loan has an impact on the interest rate in addition to your credit score.

Interest rates are typically higher for loans with longer terms and cheaper for loans with shorter ones. Choose a shorter term to save money on interest if your credit score qualifies you for a lower interest rate.

If your credit score is low, opt for a lengthier period because a personal loan with a shorter term and higher interest would be more expensive. Longer terms can help you improve your credit score, which will make it easier for you to secure loans in the future.

Use EMI Calculator

An easily accessible tool that provides you with a complete picture of the loan’s finances will assist you in determining the duration and other important personal loan-related decisions. An easy-to-use calculator is available on the internet, along with a clear breakdown of all the fees associated with the loan. This tool can be used to compare loan offers from several banks and select the one that best suits your needs.

Analyse Your Potential Financial Future

There is greater room in terms of disposable money for a larger EMI each month if you are salaried and due for a raise soon. By doing this, you reduce the total amount of interest paid while simultaneously paying off the debt early. This vigilance can increase the burden till the hike, but it will have a major positive impact soon.

 Savings

You must always set aside a tiny portion of your money after meeting your fixed obligations. When deciding on your repayment capability, you must take your funds into the account. You shouldn’t take on debt if you discover that there is little left over after paying all of your set obligations.

However, you might take out a short-term loan with a high EMI to pay off debt if there are still enough funds after all bills and savings. You can undoubtedly choose a long-term loan with a low EMI if you only have a modest amount of cash available.

Conclusion

One of the simplest and easiest financial resources to use in an emergency is a medical emergency loan. While making repayments, though, strong financial discipline is just as important. Select a personal loan term that won’t negatively impact your creditworthiness in any manner and prevents defaults of any kind.

Just as important as picking the ideal loan amount and interest rate is choosing the right personal loan tenure. Choose a shorter tenure if your financial condition permits you to do so to avoid paying as much for a personal loan.

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Finance

What Should You Consider While Buying Health Insurance In India

A health insurance contract is a legal agreement between you and the insurance company. In such a case, the insurer will agree to shoulder a portion of your financial burden in the event of some medical emergency. As a result, it is critical that you select a health insurance plan and organisation to get health insurance benefits.

  • Plan inclusions and exclusions: The extent of the policy is determined by the health insurance plan’s coverage (inclusions) and the conditions for which no claim may be made (exclusions). Before obtaining health insurance, you must be completely clear on the health insurance app. Unawareness of the coverages can result in an increase in out-of-pocket payments. In addition, being unaware of the exclusions can result in claim denial.
  • The waiting time: The waiting period is when you cannot file a claim against the health insurance plan. It mainly applies to certain pre-existing conditions and maternity benefits. It usually ranges from 9 months to a few years, depending on the insurance company and the insurance plan you want to buy. Before purchasing a health insurance policy, make sure you examine the applicable waiting time.
  • Sum insured and policy premium: You pay a fee to obtain a health insurance policy with specific coverage. The higher the coverage and the more thorough the coverage, the higher the premium. When purchasing health insurance, you must make sure you thoroughly understand the terms of coverage and premium amount.
  • Procedures for daycare: Certain medical treatments are now done in a single day. As a result, it is critical to determine whether your health insurance plan covers such therapies. These are minor medical operations such as cataract surgery, tonsillectomy, etc.
  • Specific diseases and therapies: Medical insurance policies specify which illnesses and treatments are covered after a certain period of time. For example, in many plans, coverage for piles, fistulas, hernias, and other conditions is offered only after the first two insurance years. These conditions are known as particular diseases. If you have any questions about the coverage provided, contact the bajaj health insurance app.
  • Alternative therapies: Ayurveda, Yoga, Unani, Siddha, and Homeopathy are examples of non-allopathic treatments (AYUSH). Many health insurances cover these non-allopathic treatments up to a certain amount. During the COVID-19 pandemic, AYUSH remedies gained popularity, and many individuals prefer them to traditional allopathic medications.
  • The health insurance plan has a room rent cap: The room rent at a hospital may appear to be a minor expense, but it can be extravagant depending on the sort of facility. If the patient is admitted to a room that costs more than the permissible limit, the treatment costs may skyrocket. The room rent limit in a health insurance policy specifies the maximum room rent coverage allowed under that policy. If the policyholder chooses a hospital room with a higher rent, he will be responsible for a proportionate percentage of the total hospital expenditure.
  • The availability of additional coverage: Add-ons are optional coverages offered by health plans that expand the extent of coverage. You can customise your health insurance plan by selecting any appropriate add-on. It is important to note that each add-on cover demands an additional premium, which is applied to the base insurance cost.
  • Pre- and post-hospitalization care: Any tests, treatment, doctor visits, and so on that occur before or after the hospitalisation are considered pre- and post-hospitalisation. Varying insurance providers have different pre-hospitalisation and post-hospitalisation terms and conditions. Check to see if your policy has this coverage.
  • Many network hospitals: Before purchasing coverage, consider the company’s claim settlement strategy. Examine whether the insurer has a large network of hospitals where you can receive cashless treatment. This will help you to spend significantly less money on medical treatment and get good health insurance benefits.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

Source: https://www.acko.com/health-insurance/things-to-consider-before-buying-health-insurance/

 

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Finance

Here are the Best Personal Finance Affiliate Programs in India

Personal finance affiliate programs are trusted ways to generate a second income. This can be done within the least possible time and with zero investments. You must partner with a reputable bank and match their eligibility criteria. These programs come with zero fuss and financial risks. There are no middlemen as well.

The payout is sent to you directly to help you fulfil a few wishes like paying off an education loan, saving for a new home or helping an ageing parent live well.

Banks use this as a form of referral marketing. You are rewarded sufficiently for promoting their products and services and increasing their customer base. Read on to know more.

Top finance affiliate programs

The IDFC FIRST Bank MyFIRST Partner App helps you become an individual loan partner and receive impressive payouts. This is one of the best financial affiliate programs in India, which makes it easy to earn ₹50,000 per month. You get a dedicated client acquisition support and relationship manager to help you kickstart the earning process. No prior knowledge or experience is required.

Simply make sure your target audience is:

  • 23 years and above
  • Lives in a serviceable location of IDFC FIRST Bank and
  • Are Indian nationals

You should also be able to assist them with the loan application and document verification process for a seamless borrowing journey. They should also be in urgent need of a loan so that you, as an agent, can receive the incentive sooner with each successful application.

Individuals can apply for any amount between ₹20,000 and ₹40 lakhs. They can pick a tenure between 6 months and 60 months as per their current financial abilities. The top personal finance affiliate programs like the one offered by IDFC FIRST Bank, make sure:

  • You are earning a 1.5% payout on the approved loan amount.
  • You are further compensated with rewards like cash prizes and gadgets.
  • Outstanding performances are being recognized at the branch, regional, zonal, and national levels.

This program is perfect for working professionals, students, and senior citizens. One of the top features that make it the best financial affiliate program in India is that the payments are weekly. This way, it is highly convenient to tick off small financial needs like paying school utility bills, house rent, EMIs and tuition fees without missing the deadlines.

The money is sent to your bank account directly. There are no hassles of visiting the branch or human interactions. Start using the money right away without usage restrictions. Try to convince your peers by talking about the benefits of a personal loan instead of relying on their savings, credit cards or emergency corpus to close financial gaps.

The IDFC FIRST Bank MyFIRST Partner App helps you earn money even on the go! Start with downloading the app, verifying the OTP, and completing the registration. Make sure you upload genuine and legible documents to qualify without hiccups. This is also a way to create goodwill with the bank for future benefits.

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Finance

Choosing the Right Brokerage App

Before investing any money, it’s important to do your research and understand the different brokerage platforms available. Some apps will be better suited for certain types of investors than others. For example, if you’re a beginner investor, you might want to look for a zero brokerage app that has a user-friendly interface and offers educational resources. On the other hand, if you’re an experienced investor, you might want an app that provides more sophisticated features and tools.

There are a number of ways to research different brokerage platforms. You can start by reading online reviews from other investors. You can also compare features and fees on different websites. Once you’ve narrowed down your options, it’s always a good idea to try out the app yourself with a free or demo account before committing any real money.

Consider Fees and User Experience.

When choosing a brokerage platform, it’s important to consider both fees and user experience. Some apps charge higher fees than others, but they may also offer a more robust set of features and tools. It’s important to find an app that strikes the right balance between cost and value for you as an individual investor. In addition to fees, pay attention to the overall user experience when using the app. Is it easy to navigate? Are the tools and features intuitive? Does customer service respond quickly if you have questions or encounter problems?

Understand Security & Privacy Practices.

Before you start investing with a brokerage app, it’s important to understand the security and privacy practices of the platform. How does the app protect your personal information? What type of encryption does it use? Are there any additional steps you need to take to secure your account? It’s also important to find out what happens to your data if you decide to close your account or switch to a different platform. Make sure you understand how your data will be handled before you start using any investment app.

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