Updated on November 10, 2017 by admin
Life insurance plans are designed to make life easy for their beneficiaries. The life insurers study the problems that a person can face and device financial solutions to ease them. One of the big problems many people struggle with is to provide a sound future to their kids. Cost of higher education is really back breaking and is one of the biggest stress causing factors among parents. To ease this problem to a good extent life insurance companies have come up with a specialized plan called child insurance.
Child insurance plans carry dual benefit for the child. First, they help generate a good corpus by investing the premiums in a fund that can either be endowment based or ULIP based. Second, they provide a life cover to the investing parent of which the child is the beneficiary. In case of the death of the policyholder, the insurance company waives off the future premiums and continues to invest in that fund on the policyholder’s behalf. Moreover, it pays a lump sum or period amount for the maintenance of the child. Thus, these plans protect the interest of the child even when you are not with him/her.
Saving money on our own can be difficult as we cannot be that much disciplined unless we enter into a plan which necessitates us to deposit a particular amount or else it would lapse. Such routine is mandatory for systematic saving and investment. The returns from other funds or investments can get spent on other things. That is why it would be better if you have a dedicated child plan in your investment portfolio of which only your child would be the beneficiary.
As per financial experts, investing in such a plan should be started as early as possible to have more time for your money to grow. Ideally you should start comparing child insurance plans of various companies as soon as you know about the pregnancy. There are over a score of companies selling such plans and offer differentiated plans to stay competitive. Effective plan comparison and market research shall ascend you towards the most suitable plan from a reputed company.
For effective comparison you may try services of an insurance web aggregator. On a web aggregator website you can compare plans of scores of companies at a single web location and that too free of cost. Such effective comparison brings more confidence in your purchase and helps you take educated steps in selecting your plan type. Based on such comparison and analysis you can decide whether to go for an Endowment based child plan or a ULIP based child plan. Comparing premiums with your budget you can decide how much cover to go for.
If you are a parent then initiate the process now without wasting further time. Your smart actions now would earn you enormous gratitude from your kid in the future. Don’t miss the opportunity to have that puffed up chest when your kid makes a lucrative career for himself. His …
Updated on December 1, 2017 by admin
Growing up it has always been said that one can raise capital or finance business with either its personal savings, gifts or loans from family and friends and this idea continue to persist in modern business but probably in different forms or terminologies.
It is a known fact that, for businesses to expand, it’s prudent that business owners tap financial resources and a variety of financial resources can be utilized, generally broken into two categories, debt and equity.
Equity financing, simply put is raising capital through the sale of shares in an enterprise i.e. the sale of an ownership interest to raise funds for business purposes with the purchasers of the shares being referred as shareholders. In addition to voting rights, shareholders benefit from share ownership in the form of dividends and (hopefully) eventually selling the shares at a profit.
Debt financing on the other hand occurs when a firm raises money for working capital or capital expenditures by selling bonds, bills or notes to individuals and/or institutional investors. In return for lending the money, the individuals or institutions become creditors and receive a promise the principal and interest on the debt will be repaid, later.
Most companies use a combination of debt and equity financing, but the Accountant shares a perspective which can be considered as distinct advantages of equity financing over debt financing. Principal among them are the fact that equity financing carries no repayment obligation and that it provides extra working capital that can be used to grow a company’s business.
Why opt for equity financing?
• Interest is considered a fixed cost which has the potential to raise a company’s break-even point and as such high interest during difficult financial periods can increase the risk of insolvency. Too highly leveraged (that have large amounts of debt as compared to equity) entities for instance often find it difficult to grow because of the high cost of servicing the debt.
• Equity financing does not place any additional financial burden on the company as there are no required monthly payments associated with it, hence a company is likely to have more capital available to invest in growing the business.
• Periodic cash flow is required for both principal and interest payments and this may be difficult for companies with inadequate working capital or liquidity challenges.
• Debt instruments are likely to come with clauses which contains restrictions on the company’s activities, preventing management from pursuing alternative financing options and non-core business opportunities
• A lender is entitled only to repayment of the agreed upon principal of the loan plus interest, and has to a large extent no direct claim on future profits of the business. If the company is successful, the owners reap a larger portion of the rewards than they would if they had sold debt in the company to investors in order to finance the growth.
• The larger a company’s debt-to-equity ratio, the riskier the company is considered by lenders and investors. Accordingly, a business …
Updated on November 10, 2017 by admin
If you are looking for a profitable way to create "make money ads" in just seconds you should look into CPA advertising.
The acronym CPA might sound alarming at first glance but, in truth, it reflects, and incredibly easy (and profitable) way to make money on line.
CPA simply stands for "Cost Per Acquisition" or "Cost Per Action".
Cost Per Action means that the user must take a normal action in order to trigger a payment for you. And here comes the fun … with CPA, the action does not have to be the purchase of the product advertised.
In most cases, Cost Per Action offers will ask the user to submit an email or a zip code in order to get a reward. "Cost Per Acquisition", on the other hand, means that the user must actually buy the product or subscription advertised.
Whether or not you're choosing to focus on Cost Per Action or Cost Per Acquisition, CPA marketing simply is a form of advertising that will allow you to quickly create make money ads in any possible niche, even though you are not an expert.
How much money you can make? It really depends on you … and on how you advertise your offers. Pay / lead offers will make you from $ 1.00 to $ 10-15 lead.
Will you get reach?
Again it depends on how much traffic you get and the conversion power of your advertising platform. The advertising platform for your make money ads does not have to be your website. Ifyou have a blog of any kind, by all means, you can simply stick a few banners and links in the most strategic positions.
However, most CPA offers target specific countries and if your user clicks from the wrong country, the offer will not be available.
For this reason, CPA advertising has become really popular on facebook. Next time you login your Facebook account look on those little ads on your right. You'll see that many of them do not ask you to buy anything but to just enter your email a zip code.
Facebook allows you to laser target your prospects choosing country, city, age, interests etc … Also, most people using Facebook are not there to buy anything … most users are there to socialize or network.
This makes CPA marcketing absolutely the perfect way to quickly create laser targeted make money ads in any niche market, and with very little work on your part.
So if you were looking for a fun way to make money on line, CPA could be the perfect choice. After a bit of practice, you'll get better and better and the earnings will accumulate quickly. …