3 Best Remote Job Websites To Earn Extra Income From Home

(Published on 03-July-2019)

Due to some various personal reasons or to earn extra income, many students, retired employees or house wives are searching for jobs to work from homes. However, it is difficult for them to find out the genuine and right websites for the information about work-from-home jobs. Because of the reasons like long commutations to offices, maintaining strict office timings, some health issues or yearning to earn extra income, every one is searching for remote / work-from-home jobs. However, there are many fake websites mush-rooming which are luring the innocent job-seekers with fake advertisements on their websites. One should be careful in choosing the right website for right info. I have done some research on these websites and found the following 3 websites which are giving the genuine info about remote jobs.

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4 Fundamentally Strong Stocks to Invest for Long Term Through Systematic Equity Plan / SEP in 2019

(Published on 26-Jun-2019)
Many people think that investing into Stocks is for short term  and not suitable for long term. Hence, they will avoid investing into stocks for long term. However, this is a myth. There are few stocks which are suitable for long term and will yield good returns better than any Mutual funds. If you invest through SEP or Systematic Equity Plan into these stocks, the returns would be much more better and this is the secure way of investing into stocks for long term. We will see what are the best stocks which are suitable for long term investment through SEP or Systematic Investment Plan.

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Top 4 Best Applications To Buy the Scrap / Waste At Your Doorstep in India

(Published on 20-Jun-2019)
Now-a-days, many countries in the world are facing the problem of high quantity of scrap dumps in their land. India alone producing 70 million tonnes of waste which comprises 45 million tonnes of solid waste every year. But, 70% of this waste is untreated and dumped at landfill sites. Because of the lack of awareness and unorganized business layouts to recycle these scrap dumps, the environment is becoming highly polluted. However, some young entrepreneurs in India found an answer to address these scrap market problems. They took the help of technology and entered into the scrap market to tap the scrap for recycling and benefiting mutually. 

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5 Best Sectors and Stocks for Investing in 2019 and after BJP Massive Victory

(Published on 24-May-2019)
Results announced. BJP led NDA Government coming back to power with massive victory. During first period of Modi's Government, the benchmark indices Sensex and Nifty rallied over 50%. It means, Markets will continue this momentum in the coming 5 years. However, analysts warning that the Markets have already factored the victory of BJP led NDA's victory in the last 2 days. Hence a prudent approach is required to invest in the Markets. Analysts saying investors with moderate-to-high risk appetite should continue to invest in the Market. A systematic approach is also a good approach to invest in the Market. We will see what are the Top sectors and stocks that are going to benefit from BJP's landslide victory consecutively.

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Important Points on the Future of Cyber Crime and Cyber Insurance / Digital Insurance

We have entered an era of incredible technological innovation. Unfortunately, the fast-paced technological innovation has given rise to cyber threats which have the potential to cause huge losses. As technology advances, cyber criminals are using more advanced and salable tools to breach user privacy, and they are getting results. As of now, there have been several high-profile cases of cyber crime that involve stolen data, such as personal data, health information and financial details. 

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Financing Your Home in an Urban Area is now Feasible with a Home loan

(Published on 15-May-2019)
For want of better job opportunities and better education, families are increasingly shifting to bigger cities. However, living on rent forever cannot be a feasible option in the long run. The next best alternative is to own a house. But house prices are sky-rocketing, leading to a shortage of housing in urban areas for quite some time now. Not everyone is able to afford a house of their own. To tackle the housing shortage in urban areas, especially among the lower and middle-income segments, credit availability on feasible terms and affordable rates is important. The government and financial institutions have been trying to implement that from time to time.

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4 Interesting Features on Home Loan for Your Home, Away From the City

(Published on 19-Apr-2019)
Umesh, who works in a reputed manufacturing company, has been living with his family in a metropolitan city for many years now. At 44, he feels tired and wants to have a small house in his native town, where he can go once in a while and spent some time in the quiet and calm of nature. But several years ago, he had already sold off his ancestral property and bought a house in the heart of a big city.

So what could he do now? Where would he arrange funds from to build or buy a house in his native town? His kids are growing up so he doesn’t want to break the fixed deposits as those might be needed for their higher education or marriage. So, will Umesh have to forget the dreams of retiring in his native place?

Not at all. Where there is will there is always a way. Umesh can always opt for a home loan. A housing loan will equip Umesh with enough funds to buy a plot of land in his ancestral town and build a house.

Umesh is at his prime age, so getting a home loan will not be an issue either. Banks and financial institutions such as Tata Capital give a minimum of Rs 2 lakh of housing loan and a maximum of Rs 10 crore to eligible individuals. So, Umesh can finalize a property of his choice in his native town, and apply for a housing loan accordingly. To be eligible for a home loan, one has to be above 24 years old and less than 65 years old. Since Umesh well fits into this bracket, getting a home loan will not be an issue for him. And considering he has a steady income and quite a few years in his hand for retirement, he can even pay off his home loan EMI without worrying about cash flow.

Umesh needs to reach out to rural housing finance solutions, and start investing early in something that’s so close to his heart. Institutions such as Tata Capital offer attractive home loan solutions for those who are interested in having a home in a rural area.

The features of these solutions are as follows:

Convenient and affordable interest rates: 

Home loan interest rates in trustworthy financial institutions such as Tata Capital are very affordable, and so the home loan EMI wouldn’t burn a hole in your pocket. For salaried and self-employed professionals, the interest rate is 9.05% for a home loan amount of up to Rs 30 lakh. If it’s more than Rs 30 lakh, then the interest will be a tad higher at 9.20%. If you are a self-employed non-professional, then for a home loan of up to Rs 30 lakh, you will have to pay 9.20% interest. 

If the housing loan is more than Rs 30 lakh then the interest will be 9.45%. If you have a good credit history or CIBIL score, then you are likely to get a home loan at a lower interest rate. Your home loan EMI will also depend upon your tenure of the loan, and the applicability of floating or fixed rate of interest.

Home loan facilities: 

It’s a misconception that you get a home loan for properties located only in bigger tier 1 city. Institutions such as Tata Capital have great rural housing loan finance solutions, whereby you can even get a home loan for tier 2 and tier 3 cities. So, retiring in your hometown is no more just a dream. You can very well make it a reality.

Quick and hassle-free processes: 

In institutions such as Tata Capital, the entire process, right from applying for the home loan to disbursement of the home loan, everything is quick and hassle-free. You don’t have to run from pillar to post to obtain a housing loan. Even the documentation process is pretty simple and doesn’t call for difficult-to-find papers. Representatives will land at your doorstep to collect your documents, so you wouldn’t even have to step out of your house to get the home loan. The verification process is also quick and simple, and so is the final disbursement of the housing loan. 

Timely assistance for the loan process: 

In case you have any queries before or after applying for the home loan, there is also a way to speak to customer care executives. They will help you through the entire process of obtaining the home loan, by clarifying all your doubts and solving your queries. Don’t feel helpless at any point of time if you are stuck or are in two minds about a certain formality. 

Conclusion

Just because your dream house is not in a city does not mean you cannot avail a housing loan. Thanks to the wide reach of financial institutions, just like Umesh, you, too, can build your own home away from the cities.

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