Sunday 13 August 2017

How to Manage Your Finances?

How to Manage Your Finances?



Personal financial management is a subject that is not taught in many schools, but is something that nearly everyone has to deal with in their lives later on. Here are some statistics: Some 58% of Americans do not have a retirement plan in place for how they'll manage their finances when they get old.[1]While people generally believe they'll need about $300,000 to support themselves in retirement, the average American has only about $25,000 saved at the time of retirement.[2] Average household credit card debt among Americans now stands at a distressing $15,204.[3] If these facts are alarming to you, and you want to reverse the trend, read on for specific, targeted advice geared towards giving you a better future.

Part One of Four:

Make a Budget




1. For one month, keep track of all your expenses.

You don't have to limit yourself; just get an idea of what you spend money on during any given month. Save all your receipts, make note of how much cash you need versus how much you expense to credit cards, and figure out how much money you have left over when the calendar turns.


2. After the first month, take stock of what you spent.

Don't write down what you wished you had spent; write down what you actually spent. Categorize your purchases in a way that makes sense to you. A simple list of your monthly expenses might look something like this:
Monthly income: $3,000
Expenses:
Rent/mortgage: $800
Household bills (utilities/electric/cable): $125
Groceries: $300
Dining out: $125
Gas: $100
Emergency medical: $200
Discretionary: $400
Savings: $900


Part Two of Four:
Spend Your Money Successfully

1.When you can borrow/rent, don't buy.



How often have you bought a DVD only to have let it collect dust for years, without using it? Books, magazines, DVDs, tools, party supplies, and athletic equipment can all be rented for smaller amounts of money. Renting often saves you the hassle of upkeep, keeps room in your storage, and generally causes you to treat items better.
Don't just rent blindly. If you use an item for long enough, it may be best to buy. Perform a simple cost analysis to see whether renting or buying is in your best interests.

Part Three of Four:

Make Smart Investments



Familiarize yourself with different investment options.


As we grow up, we realize that the financial world out there is so much more complicated than we envisioned as children. There are literally options to trade imaginary items; there are futures to bet on things that have not yet happened; there are sophisticated bundles of stock. The more you know about financial instruments and possibilities, the better off you'll be when it comes to investing your money, even if that wisdom consists only of knowing when to back away.

2.Take advantage of any retirement plans that your employers offer.


Take advantage of any retirement plans that your employers offer. Often, employees can opt into a retirement 401(k) plan. In this plan, a portion of your paycheck is automatically transferred to a savings plan. This is a great way of saving, because payments come out of their paycheck before it's cut; most people never even notice the payments.
Talk with your company's HR representative about employer matching. Some larger companies with robust benefit plans will actually match the amount of money you put into your 401(k), effectively doubling your investment. So if you choose to put in $1,000 each paycheck, your company may pay an additional $1,000, making it a $2,000 investment each paycheck.

3.If you're going to put money into the stock market, don't gamble with it.








If you're going to put money into the stock market, don't gamble with it. Many people try to day trade in the stock market, betting on small gains and losses in individual stocks every day. While this can be an effective way of making money for the seasoned individual, it's extremely risky, and more like gambling than investing. If you want to make a safe investment in the stock market, invest for the long term.[8] That means leaving your money invested for 10, 20, 30 years or more.
Look at company fundamentals (how much cash they have on hand, what their product history is, how they value their employees, and what their strategic alliances are) when choosing which stocks to invest in. You're essentially making a bet that the current stock price is undervalued and will rise in the future.[9]
For safer bets, look at mutual funds when buying stocks. Mutual funds are bundles of stocks collected together to minimize risk. Think about it like this: if you've invested all of your money in a single stock and the stock price plummets, you're screwed; if you've invested all your money equally in 100 different stocks, many stocks can completely fail without affecting your bottom line. This is basically how mutual funds mitigate risk.

4.Have good insurance coverage.

Have good insurance coverage. They say that smart people expect the unexpected, and have a plan for what they'll do just in case. You never know when you'll need a large sum of money during an emergency. Having good insurance coverage can really help tide you over through a crisis. Talk with your family about different kinds of insurance that you can purchase to help you in the event of an emergency:
Life insurance (if you or a spouse unexpectedly dies)
Health insurance (if you have to pay for unexpected hospital and/or doctor bills)
Homeowner's insurance (if something unexpected harms or destroys your home)
Disaster insurance (for tornadoes, earthquakes, floods, fires, etc.)

5.Think about getting a Roth IRA for retirement.










Think about getting a Roth IRA for retirement. In addition to, or perhaps instead of, your traditional 401(k) plan — which is usually an employee retirement plan and a little different from employer to employer— talk with a financial advisor about getting a Roth IRA. Roth IRAs are retirement plans that let you invest a certain amount of money, and extract it, tax-free, after you turn 60. (Well, technically, 59 ½.)
Roth IRAs are sometimes invested in securities, stocks and bonds, mutual funds, and annuities, giving them the opportunity to grow significantly over the course of many years. If you invest in an IRA early on, any compound interest you earn (interest on top of interest) can create significant increases in your investment over time.
Consult with an insurance advisor about guaranteed income products. This type of planning allows you to receive a guaranteed amount  in retirement that recurs each year without stopping as long as you shall live. This protects you from running out of money in retirement. Sometimes these payments continue for your spouse after your passing.


Friday 28 July 2017

5 golden rules of financial planning

5 golden rules of financial planning




These financial tenets shall never change or become irrelevant. Follow them if you want to protect your finances against uncertainty.
Have a plan, be rich
This is, perhaps, one virtue that can neutralise the impact of various financial sins. A plan acts as a guide through your financial journey and, even if domestic and global upheavals dent your investments, it will help you get back on track. At the macro level, planning affects every aspect of personal finance, be it taxation, insurance or achievement of goals.


It can cut losses, enhance gains, and avoid the pain and panic of a financial or lifestage crisis. At another level, a plan is a simple matter of listing out your needs and wants, and deploying the money in right avenues so that you have it when you need it. As a first step, calculate your existing worth and identify the goals for which you will require money in the future. Calculate the exact amount required for each goal after factoring in inflation and the time horizon in which you want it.




Find out your risk-taking ability and then pick the instruments you want to invest in (asset allocation). Link your investments to goals and you won't have to scrounge around for money when you need it. Build a plan the minute you are employed because you can invest without straining your finances and without the burden of responsibilities.
More importantly, it will help you gain from the power of compounding. So if you wake up to the need of a retirement kitty at 40, you're likely to save much less than if you started at 25 (see graphic). It is likely that your planning will go for a toss in a market collapse like that of 2008, but will typically stand you in good stead through most ups and downs.
Secure your family & finances
Most people are so intent on investing and building assets that they forget to cover their risks. Since it's crucial to secure your family and finances by creating an adequate insurance portfolio, this is the second constant that does not change with time. A majority of the people buy insurance to save tax and as an investment, with life insurance the second most favoured investment destination after fixed deposits, accounting for 25% of the wealth of small investors. 
However, it's important that you don't mix your insurance and invesments. The base of your insurance pyramid should comprise pure protection plans. These cover the risk of death (term plans), health issues (medical plans) and accidents (accident/disability covers) (see graphic).

The amount of cover you take, be it life or health will depend on your lifestage, income, dependants and requirements. Next, consider insurance policies that can help you reach your goals. These include traditional (endowment) and child plans, and finally, buy plans that can assist you in creating wealth (Ulips). The other important insurance plans that you shouold buy are those that cover real estate and household content. These are quite inexpensive, with the essential covers costing you less than Rs 2,000 a year.
Never ignore taxes


Much like death, taxes will never go away. While rules and slabs may change from time to time, taxation itself won't. In fact, it affects every aspect of your finances, from income and allowances to investments as well as the assets you buy or sell. So, stop ignoring or pushing it away.

Look at it as a way of reducing your losses and increasing your gains. Take the help of a planner or tax professional if you need, but start on time. Split it into three sections—taxsaving investments (deductions/exemptions), tax payment and filing of returns. Make a calendar for each because procrastinating will not only result in confusion, but also losses and penalties. Plan your tax-saving investments at the beginning of the financial year by calculating how to maximise exemptions and deductions under various sections. So if you are paying the tuition fee for two children, investing in the PPF, and having your EPF deducted from the salary, it is likely that you will exhaust your Section 80C limit of Rs 1.5 lakh and won't need to rush into the last-minute purchase of an endowment plan or Ulip that you don't need.
Go through the list of other exemptions and deductions besides Section 80C, such as those under Section 80D (health insurance premium) or donations and charity (Section 80G) to know how much more you can save. Make sure that you have claimed the tax-exempt reimbursements, such as medical or conveyance, from your employer by submitting bills and proof on time. Certain reimbursements like LTA cannot be claimed while filing returns if you forget to take them on time. Also, be clear about the way your investments are taxed so that you can buy and sell assets by paying minimal or zero tax, and can offset your losses against the gains in a particular year. Next, remember to make tax payments on time by checking the deadlines.
For instance, an individual assessee (other than corporates) needs to pay advance tax in three tranches by 15 September



Most experts opine that mutual funds are a better and more secure way to invest in equity because your money is being handled by seasoned professionals. Similarly, it is essential to stay abreast of the new tax rules and investing schemes to maximise your savings. If you do not know the various tax deductions you can avail of, you are whittling away your savings, even incurring losses that you could have set off against your gains. Mis-selling is another pothole that can be avoided if you are well-informed about financial products, be it insurance or banking transactions.
Be especially wary of brokers and agents who are keen to take control of your finances, offer to fill up forms without your presence, real estate discounts that seem too good to be true or market returns that are incredibly high. Credit card fraud and online identity theft are two other areas that can result in massive monetary losses. Practise caution while conducting ecommerce transactions and be wellversed in the procedures that needs to be followed in the event that you are victimised. Being well-informed and practising caution are as good as an insurance for your finances as the life and health covers that provide protection to your and family and investments.....



Thank You.



Wednesday 26 July 2017

how to do search engine marketing?

how to do search engine marketing?


Search Engine Marketing – An Overview

Search engine marketing is the practice of marketing a business using paid advertisements that appear on search engine results pages (or SERPs). Advertisers bid on keywords that users of services such as Google and Bing might enter when looking for certain products or services, which gives the advertiser the opportunity for their ads to appear alongside results for those search queries.
These ads, often known by the term pay-per-click ads, come in a variety of formats. Some are small, text-based ads, whereas others, such as product listing ads (PLAs, also known as Shopping ads) are more visual, product-based advertisements that allow consumers to see important information at-a-glance, such as price and reviews.
search engine marketing’s greatest strength is that it offers advertisers the opportunity to put their ads in front of motivated customers who are ready to buy at the precise moment they’re ready to make a purchase. No other advertising medium can do this, which is why search engine marketing is so effective and such an amazingly powerful way to grow your business

Search engine marketing Basics: SEO-Basics

Search engine marketing to most people is conceived as some sort of trickery or manipulative process that involves getting your website to the top of Google. The truth is that search engine marketing is very complex and extremely important to all kinds of businesses that need to have an online presence. Attracting customers through the internet or more specifically search engines, has become one of the most lucrative forms of advertising in history. Google alone was able to rake in over 40 billion dollars in revenue last year from Adwords advertising alone. Search engine marketing is not cheap by any means and mistakes can be very costly, if you are a business owner you should take the time to learn the basics so that you can gauge your in-house or out sourced team accordingly. The basics will be explained in this post, things that I feel everyone should know if they plan to ever be involved with a professional search engine marketing campaign.

 Top 5 SEO Companies in india

These are the best companies and service offering full Digital Marketing Services including Internet marketing,  Search engine optimization, Social media Optimization, Pay Per Click, Google AdWords Campaign Management, AdSense, WebMasters, website design & development etc.
1| International SEO Companies – Digital Marketing Agency 
Corporate Office – Delhi
Business – SEO services & Software Solutions | Website –http://www.internationalseocompanies.com/ |
International SEO Companies(ISC) is a professional Search Engine Optimization(SEO) Company in Delhi, India, and we are a collaborative company of Website Designers, Web Developers and Online Marketing Experts. Being a professional website designing and web development company, With extensive digital marketing we help our clients to share their ideas and vision and bring it into reality.

2 | SEO discovery

Corporate Office – Chandigarh
Business – SEO services , Internet Marketing & Web Designing –www.seodiscovery.com
The Best SEO Company in India that offers Guaranteed Google #1 Rankings with White Hat SEO Strategies. Our knowledgeable project managers will work with you to understand your business’s needs, then custom tailor the best strategy for you to maximize the return on your investment. Contact us for FREE WEBSITE ANALYSIS FIRST.

Corporate Office – Noida
Business – SEO services, Internet Marketing & Web Designing  – http://www.kripainfotech.com
Kripainfotech.com Company is a professional digital marketing company in Noida, Lucknow and web designers in India, We offer affordable custom seo services and smo services with a full range of online solutions in India offers high quality and permanent assistance for your web needs in Kripa Infotech, we focus on the growth of any size businesses through internet marketing and web development.
4 | PageTraffic
Corporate Office – New Delhi
Business – SEO services, Internet Marketing & Web Designing | Website – www.pagetraffic.in
Page Traffic is an online and Internet marketing company and ranked among the top 10 SEO agencies in India. They have a potential team of SEO professionals who will help grow your online business. Other services include Social Media Marketing and Web Designing.
5 | eBrandz
Corporate Office – Mumbai
Business – SEO services | Website – ebrandz.in
India’s Top notch Digital Marketing Agency. eBrandz is considered amongst the best Search Engine Optimization companies in the world (Source : Digit Magazine Nov 2005). As an industry leader with more than 8 years of experience, eBrandz probably has the highest number of successful case studies and client testimonials.

Basically we know "How to do search engine marketing?"

Thank you.

Tuesday 25 July 2017

Money making tips

 

  TOP 5 METHOD TO EARN MONEY    ONLINE FOR ALL TIME


There is nothing better than online jobs if you want to make money working from home. Most of the online jobs are without investment.

More than 1,50,000 people in India, USA & other countries are using our guidelines & earning minimum $500 from SureJob Online Jobs. And now is your turn to earn some part/full time income from home.

Do you know there are dozens of online jobs where you can work and earn good monthly income! You can earn $200, $500 or even $5000 monthly income depending on your efforts and capability.

So if you are searching for Online Jobs then there is no better place then this because of these 3 important reasons-

1.
We provide not 1 or 2 but more than 10 online jobs.
2.
We provide only best genuine and tested jobs to make money online.
3.
And all the online jobs are free & without investment.

   

   TOP 5 METHOD FOREVER


We have provided below 5 best online jobs that you can do from your home without any investment.It's also marketing in social media. we had also written about thatSocial online marketing


14 Best Online Jobs from Home – No Investment to Earn Money

MARCH 18, 2017 428 COMMENTS

There is nothing better than online jobs if you want to make money working from home. Most of the online jobs are without investment.

More than 1,50,000 people in India, USA & other countries are using our guidelines & earning minimum $500 from SureJob Online Jobs. And now is your turn to earn some part/full time income from home.

Do you know there are dozens of online jobs where you can work and earn good monthly income! You can earn $200, $500 or even $5000 monthly income depending on your efforts and capability.

So if you are searching for Online Jobs then there is no better place then this because of these 3 important reasons-

We provide not 1 or 2 but more than 10 online jobs.
We provide only best genuine and tested jobs to make money online.
And all the online jobs are free & without investment.
Top 14 Online Jobs from Home
We have provided below 14 best online jobs that you can do from your home without investment. We have also written a popular post about “18 ways to earn money online“.

Please spend time to understand each & very online jobs so that it will be easy for you to start & make money.

Get Paid to Read Ads
Online Micro Jobs
Online Survey Jobs
Online Captcha Solving Jobs
Blogging from Home
Affiliate Jobs
Freelancing Jobs
Online Writing Job
Mystery Shopper
Data Entry Jobs
Buy Sell Domain
Sell Photos Online
Earn Money from YouTube
Selling Online
FREE Signup for Our Online Jobs Training Pack


1. Get Paid to Read Ads
This is one of the easiest way to earn money online & one of my favorite online job.

Advertisement is one of the biggest business in the world. Companies spend thousands to millions of dollars in advertising as per their budget. And their prime goal is to reach their words to people like you & me.

And they are even ready to pay you for watching these ads. Check the video below to check my live income proof.

There are number of websites where you can signup for getting paid for reading ads. After signup, you can login to these sites on regular basis & click on the ad links given in your account dashboard.

Many of the sites sends you the ads by SMS too & pay you for reading the ads in your mobile.

So its great online job for people who can spend 10-20 minutes daily on their PC. More ads you will check, more money you will earn.

You can see one of the live video proof of our earnings from this online work


2. Online Micro Jobs

Micro jobs simply means small jobs (or tasks) which takes few seconds or few minutes to complete. There are dozens of sites like mTurk, MicroWorkers which provide online micro jobs.

You can earn 5 cents to $1 for completing a task (depending on the length of the tasks). You can make more income if you live in USA.

There are hundreds of small tasks like sharing a page, giving review or rating for a product or page, writing a short article, searching something from Google, creating a testimonial or many other simple & easy tasks.

If you work 2 hours daily on these sites then you can earn minimum $300 per month from this internet job.


3. Online Survey Jobs

Online surveys are another best way to earn money online. In online surveys, different companies ask for your opinion for their product or services, so that they can increase their sales.

Here you can signup with different companies who provide online surveys. Once you join with online survey companies, they will send you the surveys in your email.

You can complete them & get paid.



Major problem here is, there are few handful of companies who are genuine, provide surveys & pay for them.

If you search online, you will find thousands of survey sites who are not genuine. And there are many sites who ask you to pay a registration amount for giving these bogus sites.


4. Online Captcha Solving Jobs

If you are looking for online data entry jobs then captcha entry is best online job for you. You must be familiar about captcha. Whenever you create an account, you must have come across this type of image-



There are many companies who needs millions of accounts on thousands of websites and they do it with the help of account creating software. But these image captchas prevent them to create automatic accounts on these sites.

So you need to become a captcha solver and enter the character correctly into the software. There is a very huge demand for captcha entry worker.

You can solve 1000 captchas in 1 to 2 hrs depending on your speed. You can earn $1 to $2 for every 1000 captcha you solve. If you work on 2-3 sites then you can earn minimum Rs. 10,000 to Rs. 15,000 per month.

There are dozens of sites which provide Captcha entry work but we have selected 10 most genuine sites which have good feedback from their workers & the sites has good payment history.

5. Blogging from home

Blogging is another best online work. You can create simple blogs, post some quality content and promote your blog.

You can create a free as well as paid blog. Creating a blog & posting something on your blog is simple. There are number of ways, you can earn from your blog.

One of the best way to earn from your blog is by putting ads of the ad-networks like Google AdSense, where you can get paid for each and every click on the ads in your blog.


This 5 ways to earn money online. There is many way but today we discussed about it's five method. Next article about process with video.

Now, One question on your mind.
which site is genuine about read ads and get paid don't worry. I will tell about this and linked below,

1.Clixsense

2.Neobux

For Captcha entry work.

1.Captcha filling job

2.Survey job


Thank you for reading, if you any doubt plz comment in comment box. and you can contact me on email Bhargav chavda



THANK YOU EVERYONE.




Monday 24 July 2017


     

Social Media Marketing Ideas

Push your handles – If you’re really looking to bump up those Twitter followers, you can’t be afraid to be a bit shameless. Speaking at a conference? Put your Twitter handle on the slideshow (heck, keep it in the corner the entire presentation). Ordering new business cards? Better include that adorable handle!
twitter marketing
Join in on weekly hashtag themes like #ThrowbackThursday – If you want to build your social media following, you need to be an active participant in the community. This means posting regularly, and also joining in on fun weekly social media traditions that already have a loyal audience. Show the kids how hip you can be!
Vines – Vines, quick 6-second video clips, are largely under-utilized. With a little work and some fun content, you could become a big fish in a small pond on Vine.

Pin your own images (and others) - Don’t underestimate the value of this image-sharing site. Post your strongest visual assets (templates, infographics, etc) on Pinterest and link them to your webpages for some serious traffic.
Keep social tabs on competitors -Facebook business pages allow you to follow other accounts via the Pages to Watch feature. Follow your competitors and see what they post, and which of their posts get the most shares and likes. See what works and follow their lead.
After all we can use our laptop and earn unlimited money to promot eventually product to our social media account.



Who I Am?


I am Bhargav chavda, presently working as a full-time blogger. I got into blogging 3 years ago, but back then, I was a freelancer.

.  

 This is not me but my meaning is why is he happy.



What Is My Story Behind The Title?


It was exactly that day that I read all those posts that I decided to give this blogging thing a try.

And on that same day, out of nowhere, I received a text on LinkedIn. To my surprise, it was a formal text from the HR department of a popular tech blog.

To give a little history here… I have been into tech blogging for a long time, and I have been writing articles for many blogs as a ghostwriter. I got this offer based on the articles I had shared on LinkedIn, and they even offered me a 30k/month salary!

The only condition was I had to move to Delhi immediately to join their team.



The Dilemma


Now, this was an amazing offer for me, as I was being paid for what I loved doing and had been doing all these years (and as of now, without much reward or recognition).

This offer was too good to be true; being part of a popular tech blog would not only give me a good salary, it would also give me a good platform to share my work.

It was a great deal, right?



A perfect break for a young blogger who was writing articles published in others’ names with nominal charges per article.

So why I am currently still struggling to pay my domain fees and internet charges every month?

The answer is simple:

I denied the offer.
Was it right to do this? I don’t know, and I don’t want to know.

I know what you are thinking:

“That was naive and impulsive.”
To be honest with you, I thought the same.

I even regretted denying the offer for some time.

However, in the back of my mind, something kept reminding me:


I have to follow my desire of doing something on my own.


How I Ended Up As a Blogger




I have always loved writing, and technology was something that I have been interested in since my school days.

The only thing I knew for sure was that I wanted to wake up every morning excited and thrilled about doing something new. I never liked having a boss and doing things their way. I always wanted to do things the way I wanted. That has always been exciting to me.

And here came God’s voice (in the form of Harsh’s blog posts)…

As I said earlier, I had read 20 posts that day, and I had even done extensive research on Harsh. This made me forget about my freelance career and look forward to creating my own canvas to pen my thoughts. I finally had a direction that I wanted to head.

I told myself:

“If Harsh can do it, I can do it, too.”


Why Should You Make The Move Soon


I started reading a lot of blogs, and I came across many bloggers like Harsh who had taken the initial risk and eventually made a name for themselves. Just imagine if Sachin Tendulkar (Cricketer) was working in an MNC, would anyone know who he was? I believe that we all have a Sachin or Harsh in ourselves.

Unless we take that first step and try our best to follow our desires, we will never know what we could have done. It just takes a single resignation or a single “no more” to start following along this path.

Isn’t it easy?

Well, no. To be honest, nothing is easy.

But the next time you wake up in the morning, ask yourself, “Am I excited to go work today?” You will get the answer loud and clear in your head.

We all have some desires hidden and piled under deadlines and boss’s orders.

You might say, “We have responsibilities and need money to support ourselves.” Well, I might have no answer to that. But I would ask a simple question in return:

“Can you live with the knowledge of what you could have done if you only tried your entire life”?
Life is too short to have repents.

Before it’s too late to try, give it a shot. Sign that resignation letter you had typed months back but never dared to mail in. Tell your boss that you’ve had enough.

I am not saying it is the easiest way. In fact, it is really tough. But it has to be tough; that’s why most people do not dare take this route.

However, I can guarantee you that you will be happier living each day of your life the way you want. You might not have the same pay check at the end of the month, but you will have a life you love.

How To Make It Count


If you love doing something and can dedicate your life to it honestly, success will follow you.

“Beta kabil bano, kamiyabi jhaak maar ke piche ayegi.” (In Hindi language)
This is a famous quote from a movie called 3 Idiots. It means:

“Chase excellence, success will come eventually.”
If you are good at something, try to work on your skills and be the best version of yourself.

We learn every day, and every day is a challenge. You must be polishing your skills each day. It is a tough road out there and you need to face hurdles and failures. These things shouldn’t scare you from taking the risk, as there is a light at the end of the tunnel.

Always remember that we remember the ones who dared, and not the ones who were scared.


Get Up And Go!!!

Are you still reading my post and thinking to yourself you want to give it a shot?

Well! Get up and make the move before it is too late!

Second chances are for movies, not life.

Take the chance, make the move, and dare to take the risk.

I’m waiting to hear your success story in the comments below!

How to Manage Your Finances?

How to Manage Your Finances? Personal financial management is a subject that is not taught in many schools, but is something that ...