• Profit From A Preschool Franchise Business

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    February 28, 2021 /  Market and Franchise

    Kindergartens and preschools have become extremely popular. In bigger cities you will see big preschool franchises as well as smaller start ups. So if you are thinking of starting your own preschool, here are few things to keep in mind and why you should opt for a preschool franchise. To begin with lets look at some statistics. The preschool industry in India is estimated to gross about Rs 4,004 crore. The sector is likely to cross Rs13, 821 crore by 2012, a growth of more than 28% per year, according to estimates from brokerage firm CLSA Asia-Pacific Markets.

    With over 40% of learning taking place from the 1 to 4 age group preschools have become imperative. Parents want quality preschools for their children and are willing to go that extra bit for their children. Rest assured if you opt for a preschool franchise and are a good task master you are bound reap profits in the near future.
    Opting for a preschool franchise makes setting up a lot easier for you. You have to adhere to certain pre requisites and guidelines which enable you to be focused and do things in a streamlined fashion.

    A preschool franchise comes with a reputation. It already built a name for itself, developed its own education system and done its fair share of branding activities and advertising. Parents will always trust an established over a smaller start up.
    A preschool franchise caters to parents who have moved to new cities. Sending their children to same school as they did before is a comforting element for all parents. With the education system being the same it helps children adapt faster.

    A preschool franchise works on a profit sharing model. Therefore some franchises will go that extra mile to make sure you do well, so they do well! This means extra guidance and support for you.
    The different preschool chains in India are Roots to Wings, EuroKids, Kidzee, Shemroack schools, Bachpan just to name a few. The royalty and investment depends entirely on location. A preschool franchise can cost anywhere from 3 to 15 lakhs and the fees can be anywhere from 8,000 to 40,000 per annum. The need for preschools in India is only going to grow making it an extremely profitable venture.

  • Credit Cards Without A Bank Account

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    February 28, 2021 /  Money and Bank

    Having a credit card is a great thing indeed, although most are hard to obtain for those who have a less than perfect credit history. The restrictions for getting most credit cards are so tough that those who have bad credit may find it nearly impossible to get a credit card, or they find themselves hit with extremely high APR rates, and find it hard to compete with the interest.

    For those who have less than perfect credit or no bank account, there is hope. There are credit cards known as no bank account cards, that can help those with bad credit. These types of credit cards are quite easy to obtain, and they can actually help you to get your credit back and track and live the life youve always dreamed of.

    Credit cards of this type are pre-loaded, meaning that the credit limit you have it what you load onto the card, by pre payment. If you want to control your spending and know how much you have, this credit card is what you need. They are also great for those who want to learn about managing money as well. Another great thing about these cards is the fact that they will give you power and convenience of a credit card – yet they will allow you to live within the means of your income as well.

    Before you rush and get one of these credit cards, you should first look around and find the best deal possible. Most no bank account credit cards offer you same rewards and incentives of traditional credit cards, along with online access to your account. The best cards are accepted across the world, and offer you ATM access for instant cash. If a card doesnt offer you these types of features, you should pass it by and look for one that does.

    Other things to look for with no bank account credit cards include low APR rates, no annual fees, and excellent customer support. Customer support is very important with these types of credit cards, as you dont want a card that doesnt offer you great customer support. If you encounter a problem, you want a company that is going to be there when it matters the most.

    If you take your time and research no bank account credit cards, youll find one that you cant refuse. There are many to choose from, especially if you look online. You should always compare features and rates, and look for companies that offer you cards with excellent features and low rates. This way, you can get everything you love from traditional credit cards – without having to worry about your credit or needing to have a bank account.

    You can find the best choice of credit cards and pre-paid cards at www.CreditCards.us ()

  • Life Insurance The First Item On Your Bucket List!

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    February 27, 2021 /  Tax and Insurance

    A bucket list is defined as a list of the things you would like to achieve before you die, or before you ‘kick the bucket,’ so to speak. The term was popularised by the 2007 film The Bucket List, starring Jack Nicholson and Morgan Freeman. Whether it lists one item or 10, a bucket list details your dreams and goals for your time on this earth. Parachuting, climbing Everest or owning your own home, bucket lists are as varied and diverse as the people who draw them up. A bucket list assumes that we will lead full lives, that we will be blessed with the 10, 20 or even 30 years we need to tick off all the items on our list. Sadly, for many people, this is not the case and our lives are often cut tragically short. It is for this very reason that the first item on your bucket list should be to invest in life insurance.

    Every plan we make and every dream we have assumes that we will live to a ripe old age. Our career path, our dreams of the time we will spend with our grandchildren and our retirement planning all work on the assumption that we will be granted the biblical ‘three score and 10 years’ or 70 years on this earth. While we all know that death is always just a hair’s breadth away, we very rarely face up to or plan for this reality. As a parent and breadwinner, however, planning for your own death is essential.

    As a parent, caring for your children is one of your first priorities. You earn the money they need to survive, you care for them when they are ill and spend hours helping them with their homework. You are their anchor and their shelter in this world, ensuring that they are clothed, fed and sheltered. Your job as a parent is not done, however, if you have not planned for the day that you are not there to look after them, the day that you pass away before they are old enough to look after themselves.

    To ensure that your family has the funds they need to stay financially afloat in the event of your death you need to invest in a life insurance policy. Your life insurance payout will help your partner or spouse carry the cost of supporting the family on one salary. It can be put towards living expenses, school and university fees and healthcare. It can even be used to pay off some of your unpaid debt.

    While it is important to plan for the future, to list your dreams and goals, it is also important to plan for your untimely death. Invest in a life insurance policy today.

  • Forex Benefits of Trading the Forex Market

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    February 26, 2021 /  Market and Franchise

    Trading the Forex market has become very popular in the last years. Why is it that traders around the world see the Forex market as an investment opportunity? We will try to answer this question in this article. Also we will discuss come differences between the Forex market, the stocks market and the futures market.

    Some of the benefits of trading the Forex market are:

    Superior liquidity. Liquidity is what really makes the Forex market different from other markets. The Forex market is by far the most liquid financial market in the world with nearly 2 trillion dollars traded everyday. This ensures price stability and better trade execution. Allowing traders to open and close transactions with ease. Also such a tremendous volume makes it hard to manipulate the market in an extended manner.

    24hr Market. This one is also one of the greatest advantages of trading Forex. It is an around the click market, the market opens on Sunday at 3:00 pm EST when New Zealand begins operations, and closes on Friday at 5:00 pm EST when San Francisco terminates operations. There are transactions in practically every time zone, allowing active traders to choose at what time to trade.

    Leverage trading. Trading the Forex Market offers a greater buying power than many other markets. Some Forex brokers offer leverage up to 400:1, allowing traders to have only 0.25% in margin of the total investment. For instance, a trader using 100:1 means that to have a US$100,000 position, only US$1,000 are needed on margin to be able to open that position.

    Low Transaction costs. Almost all brokers offer commission free trading. The only cost traders incur in any transaction is the spread (difference between the buy and sell price of each currency pair). This spread could be as low as 1 pip (the minimum increment in any currency pair) in some pairs.

    Low minimum investment. The Forex market requires less capital to start trading than any other markets. The initial investment could go as low as $300 USD, depending on leverage offered by the broker. This is a great advantage since Forex traders are able to keep their risk investment to the lowest level.

    Specialized trading. The liquidity of the market allows us to focus on just a few instruments (or currency pairs) as our main investments (85% of all trading transactions are made on the seven major currencies). Allowing us to monitor, and at the end get to know each instrument better.

    Trading from anywhere. If you do a lot of traveling, you can trade from anywhere in the world just having an internet connection.

    Some of the most important differences between the Forex market and other markets are explained below.

    Forex market vs. Equity markets

    Liquidity

    FX market: Near two trillion dollars of daily volume. Equity market: Around 200 billion on a daily basis.

    Trading hours

    FX market: 24hr market, 5.5 days a week. Equity market: Monday through Friday from 8:30 EST to 5:00 EST.

  • Yum Money Hound Review

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    February 25, 2021 /  Money and Bank

    Top water bass fishing can be some of the most exciting action you will ever have on the lake. When the fish are hitting the top, the action can be fast and furious all day long. Sometimes though, even though they are hitting the top, they are still sitting in beds of grass or lily pads.

    The Yum money hound will let you to make the most of your quality time on the lake, because it allows you to rig the lure in a weedless style.

    Not only do you lose more lures, but you have to clean your hooks on just about every cast! Cleaning hooks is not the way I like to spend my time on the lake. That’s why I bought the Yum money hound.

    There aren’t any top water, hard plastic baits that let you fish in the weeds without fear like the Yum money hound will. The great part is, the weedless feature of the bait, without sacrificing the action of a hard plastic.
    To get the most out of the bait, you will need two things: a simple razor blade, and an EWG (extra wide gap) hook.

    With the razor blade, cut carefully along the narrow bottom strip of the bait. Now rig the EWG hook through the nose, and back through the body of the bait almost like you were rigging a worm.

    These two steps will help you in two different ways. The EWG is a wide gap hook, which lets you set the hook more effectively, and will give you a better strike to catch ratio. Cutting the bottom of the bait lets the hook penetrate through the bait, into the lip of the fish much easier when you set the hook.

    You can still do well if you don’t cut the bait, but you must have the wide gap hook. Otherwise, you will be setting the hook, and losing a lot of fish during the fight.

  • Refund of Service Tax Issues & Challenges

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    February 25, 2021 /  Tax and Insurance

    Service Tax, as the name suggests is a tax leviable on all duties. It is a tax levied on the transactions of the facility specified by the Central Government under the finance Act, 1994. It is an indirect tax (akin to Excise duty or Sales tax), which means the service provider pays the tax and recovers the amount from the recipient of the taxable work.

    Service Tax is generally recovered by Assessee in two ways:

    By utilizing the same as in the form of Cenvat Credit, or

    By Claiming the Refund.

    Any Assessee can utilize the amount of duty paid by him in excess by adjusting the same with the duty amount paid in subsequent period. Refund of tax can be claimed by Assessee where self- adjustment of Service Tax is not feasible.

    Refund of Service Tax generally happens in case of export oriented companies (STPI, SEZ, EOU units) which export their final product/duty, as no tax is levied by Government to promote the export. Such companies disburse excise on the input/output assistance procured by them but are not able to utilize the Cenvat Credit because no due is received by them on export of their services. As a result, such companies have to opt the procedure of claiming refund for unutilized cenvat (tax) credit.

    The Export Oriented Units, especially the STPI units have been facing many hurdles and difficulties while claiming the service tax refunds. There had been inordinate delays towards the scrutiny of refund applications coupled with rejections of the claimed amounts due to various reasons by the designated authorities, primary reasons being:

    Time Limitation for the refund claim of duties.
    Relevant date for the calculation of limitation period in respect of filing the refund claim.
    Implication of the Principle of Doctrine of Unjust Enrichment.
    Submission of separate Foreign Exchange Remittance Certificate (FIRC) in case of segregated export of goods & utilities.
    Submission of Original documents such as Invoice, BL, SB, BRC etc.

    The Central Board of Excise & Customs is seized of this matter and has been regularly clarifying on this issue through various clarifications/Notifications covering many procedural issues with respect to refund of service tax paid. It has settled many issues like the time within which the refund claim shall be filed, acceptance of certified photocopies as a valid document, submission of self-certified statement along with FIRCs etc.

    Despite various initiatives taken by the department, there has been a huge pendency of tax refunds primarily because of the incomplete documentation by the claimants, tedious process of physical verification of documents submitted to the department and the difference of perception between the claimant and the department regarding the admissibility of input services eligible for refund.

    There are many specialized Service Tax Consultant in Delhi, NCR that helps companies in sorting out the problems they face related to tax. But it is always advisable to do some serious research before contacting a STPI Consultant in Delhi.

  • Budgeting Your Money When You Own A Home Based Business

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    February 23, 2021 /  Money and Bank

    One of the most difficult things to do when you start a new Home Based Business is putting together a budget. Without any financial history on which to base income and expenses, it may seem like guesswork, but as part of any Home Based Business plan a tentative budget can be established with some thought and anticipation for the future.

    In most Home Based Business there are two main categories, income and expense. Under your expense category there can be several sub-categories often falling into two main areas of controllable expenses and uncontrollable. While many Home Based Business owner claim they can control every expense involved in their Home Based Business, they are simply kidding themselves as some things such as utility cost, the amount of rent and other so-called fixed costs can, and do change, with the owner having no control.

    Other expenses in Home Based Business such as payroll, insurance and advertising can be subject to a budget, but they are considered controllable expenses. If the Home Based Business begins to fall off, you can control some of these expenses by laying off employees and cutting back on advertising. However, living by a budget will help maintain profitability in many respects but can also turn against you in the long run.

    Depending on the viability of your Home Based Business it often is a better investment to bite the financial bullet on employee wages and still provide good customer service to the remaining customers until Home Based Business picks back up. By trying to everything yourself not only will you burn out quickly, but is no one is taking care of the customers, it will not take long until there are no more customers to care for.

    There are two ways to budget your Home Based Business money and that is through set dollar amounts and percentage of income. Many Home Based Business will budget their controllable expenses by the dollar and non-controllable by percentage of income. Obviously a good part of the owner’s time is going to be based on bringing money into the Home Based Business and how much they have to spend on controllable expenses will be in direct relation to income.

    For example, a company earning $20,000 a month in income has budgeted six percent for payroll, providing $1,200 for payroll. If the income level rises to $50,000 the budgeted payroll percent does not change but the dollars available for payroll climbs to $3,000. With an obvious increase in Home Based Business to create the additional income, the owner will probably need the extra help to take care of Home Based Business.

    There are many other expenses that fall into the payroll account such as worker’s compensation charges, Social Security tax paid by the employer and paid vacation time or other perks determined by the employer. While a budget may be difficult to establish for a new Home Based Business, it is a necessary evil for all Home Based Business owners.

  • The Basic Duties of Insurance Brokers

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    February 23, 2021 /  Tax and Insurance

    Insurance brokers who are commonly referred to being insurance agents are the link between clients and insurance providers. An insurance broker has to have sufficient knowledge of the insurance market trends in order to be able to design an insurance policy for a client.

    They have to collect data on the client and evaluate their needs as well as the risks involved. They must evaluate the value of various insurance policies and compare them according to the cover level as well as price.

    While they arrange the cover for clients they must submit all details of the clients to the insurance providers. They have to negotiate the terms of insurance policy with the insurers to get the best deal for their clients. They even have to renew or adjust policies they have provided.

    Insurance brokers must meet the legal requirements while designing an insurance cover. They have to have thorough knowledge of the methods of premium collections as well as how each account is processed. These sales agents must advise clients as to how to make a claim according to their policy. They have to be able to complete all records of the insurance covers they provide by issuing documentation, inputting information on computer systems and saving in record form all the details. They must also prepare detailed reports for insurance underwriters as well as insurance surveyors in various complicated cases.

    These insurance sales agents normally provide general insurance covers for individuals and organizations. This includes insurance policies for vehicles, homes, travels, property, business, life and even pets.

    Keep in mind that when it comes to commercial insurance these agents have to deal with more complex subjects for insurance such as life insurance for celebrities or very large insurance cover plans for huge industries.

    Insurance brokers have to be able to prove their reliability. They have to have the ability to design as well as define each policy cover required by a client according to their respective needs.

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  • How To Conduct A Market Research

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    February 23, 2021 /  Market and Franchise

    The availability of the free market research tools has made it easier for the company owners collect the data which is needed to conduct the market research surveys to improve the business as well as to understand the business better. The method of market research analysis is known as a well organized method to know about the requirement, thought and the satisfaction of the buyers about any product or service. So, this process works as the main path to successfully manage any business.

    With the results of research analysis, the companies can be aware of the process to market their products or services in the best way. The focus group discussion and questionnaire surveys play major roles in this type of survey. All of these things are easily available online and you can also download the survey templates directly from the market. These days, conducting the market survey has become easier than ever due to the In this article, I will discuss the way how the market research survey software system work. .

    Learn what the clients wish for: Instead of only guessing what those clients are searching for, who are interested in your niche market, you will be able to survey the accurate demographics with the help of the market research survey online software program. Besides, it will also offer you a clear idea of how to plan the marketing campaign in the best way.

    Easy to access: In case you are concerned about using the complex survey software which would take loads of time to learn, make it sure that the online survey software that you are choosing as an entrepreneur or an online business owner, is more convenient and user friendly. This thing adds the benefit that the business owners would be able to create some surveys quickly in order to poll several questions to the clients with instant feedbacks and results. It will also help the business owners to find the right answers.

    Or you can also use this survey as the medium of market research that would allow you to tap the hidden trends within the targeted market. While you will get the survey results, you will be able to analyze all the information within the chart and table and this thing will help you to prepare reports for your company and for yourself to decide the best action in the forthcoming marketing campaign.

    Marketing is not at all a guessing game: Your success as the online business entrepreneur is the thing that should be steadfast, secure and reliable. Moreover, you have to know The online survey software is so vital because it helps the companies to get direct feedbacks from their clients about their likes and dislikes and therefore it tailors the web appeal and advertising of the companies to acquire good revenue every year.

    If you want to know some more information about this software system or if you want to buy it online, then contact with www.magicsurveytool.com.

  • Cholamandalam Travel Insurance Plans

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    February 22, 2021 /  Tax and Insurance

    Indians are travelling like never before. Be it for leisure, business, further education or more, there is an estimated increase of 20% traffic travelling overseas every year. And a study shows that 80% of the travelers like to buy travel insurance policies online to ensure they are leaving their baggage of worries at home while they travel overseas.

    There are many insurance companies offering travel insurance plans. Cholamandalam is one of the reliable travel insurance among these. Although most of the benefits arising out of Chola Travel Insurance are the same as others viz Medical Treatment, Repatriation of Remains, Dental Treatment, Checked Baggage Loss, Checked Baggage Delay, Passport Loss, Personal Liability, Hijack Relief Benefit, Hospital Daily Cash, Financial Emergency, Trip Cancellation, Trip Curtailment, Trip Delay, International Driving License Loss, Home Burglary, etc. However what sets Chola apart from others is:
    Door-to-door Cover which means that your travel insurance starts the moment you leave your home for airport and ends when you return home from airport. Also it covers Personal Accident both overseas and domestic during your travel insurance validity.
    Extensive network of hospitals and service providers all over the world.
    Age Limit of family members starts from 3 months upto 80 years. No medical checkups are required for family members upto 65 years of age.
    Pre-existing conditions are covered under life-saving unforeseen emergencies. Cholamandalam provides cover for any eventuality arising from a pre-existing condition.
    Tie-up with I-SOS (the world-renowned International SOS) for Claims Processing and Assistance Services.

    Besides the above listed benefits you get Toll-free phone numbers to contact the service provider from most frequently visited countries. The claims are settled fairly in a quick fashion. You just need to keep a copy of all the bills so that you can substantiate your claims and get timely reimbursement.

    Cholamandalam insurance can be bought online at EIndiaInsurance. You can compare the insurance plan with other brands and can get a quote immediately. You can also speak to insurance agents on the phone to get complete information on the plan that you are interested in. Whenever buying an overseas travel insurance always remember to see what all is excluded and get complete clarity so that you know what you are paying for, what all it covers, what are its benefits and be sure if its worth your hard earned money or not. Last but not the least, do not just buy any travel insurance which is cheap coz you might have to shell money out of your pocket in the event of any unforeseen emergency which might not be covered under the cheap travel insurance plan. A few rupees more might just give you a complete peace of mind while you explore the other world. So travel, but with a good travel insurance plan in your backpack!