Why to get a life insurance

For people who don’t know the term, Life Insurance is a policy in which a premium is paid for a particular period of time and the Insurance company pays you the money in case of death risk. Basically, any Life Insurance has 3 terms – The Insured, the person on whom the insurance is being made, the Insurer, the company and the Beneficiary, one who will get the benefit after the Insured dies.

Now days, it is extremely necessary to insure yourself especially when you are the sole bread winner of the house. What will your wife and children do after you pass? How can your soul stand the sight of them becoming paupers? Keeping all these in mind, be aware to get yourself a life insurance. Before insuring, make sure that the company you are insuring in is worthy. Make sure to check out their policies as there might be hidden agendas.

How to invest in share market

In case you are planning to invest money, you know that one investment that will give you the most returns is the share market. However the share market is also quite risky. In fact most of the people who have major financial loss had invested their money in the share market. So in case you are planning to invest in the share market, you can be sure that this indeed will give you the most returns, however that is subject to where you are investing. In case you are investing in the wrong company you are going to lose all your money in a major way.

When you invest money in the share market, first of all ascertain what kind of returns are you expecting? Are you looking for a steady income or once in a lifetime huge returns? Accordingly study the market and decide where you want to invest. To invest the best strategy is to first open an account from a brokerage firm. It is as simple as opening a bank account. Before investing in a company it is quite essential that you investigate the company beforehand. You need to be aware of the market situation.

Tips for personal finance


Are you completely clueless about how to manage your personal finance profitably and efficiently? If so, it is very essential that you follow certain tips and guidelines that will immensely help you to tackle your money.

 The first and foremost attribute that is very essential if you want to manage your money well is self control. Without it, most of your hard earned money might go down the drain. Most of you have this tendency to purchase stuff on credit be it an expensive bottle of perfume or your routine grocery. Try avoiding credit cards as much as you want, because the thing doesn’t come for free and you need to pay an interest on it.

Next you need to learn how to manage you money smartly. Sort out your priorities well and only invest in matters which do require due attention. Analyze well your priorities and monetary position before you invest accordingly. Last but not the least, create a monthly budget for your household and do not forget to keep your expenses under your income.

How to buy the best stocks

Each one of us wishes to invest in the stock market and earn good returns on our money. But we find ourselves struggling with the question of how to find and buy the best stocks. To become a good investor, you should be willing to spend some time and effort in researching stocks. To begin with, understand how the market works and get acquainted with the terminologies with the help of books, financial newspapers and business news channels.

Start by picking a sector or sectors in the market that you understand well. Within the sector, identify few individual stocks that look good from an investment point of view. For each of these stocks, you must conduct a fundamental analysis by estimating the cash flows, ratios and future growth rates by studying the company’s financial statements. The idea is to arrive at the stock’s intrinsic value, compare it to the market price and invest only in undervalued stocks.

Tips on selling your house

Staging a house for sales is one of the most difficult tasks there is in today’s real estate world. Naturally, every seller would want his house to go for a top prize within a short span of time. Is that really possible? Yes, it is possible if you follow the things mentioned below.

First of all, forget that you lived in that house. Set your mind in a way which remembers you that it isn’t your house but a place which needs to be sold. So take all your personal memories and stuff out of that place. Do not look back at the memories you have of that place because that will only add to your sadness.

Now, de-personalize the house. The buyers who are coming to see your house should see themselves living there. So take out all past photographs, wall marks and artifacts from the place.

Then de-clutter your home. There would be many things which you would never use. So why keep them? Be bold and throw them out!

Tips on buying land and residential lots

Buying a land for residential purpose is quite an important decision.  After all you would be spending quite a large amount of money on something you probably have been planning for a long time. Of course buying the wrong piece of land will make you regret big time. That is why you need to be very careful before making an offer.

The first task that you would have to undertake is that of choosing the location. Some people dream of owning a house by the sea others think of a house that is well connected to the main city. So encircle upon the right location. Once you do that check the listings on the internet and the real estate newspapers. Get the list of the land that is available for sale.

It is not a bad idea to get a real estate agent to work things out for you. A professional can always help you out.  Before making an offer it is quite necessary that you check the land. You also need to find out if there is any kind of restriction on the property.