Sip Calculator Magnetizing The Investors Towards Online Investing

Online investing option has reached to a higher level with the introduction of SIP calculator. Making the calculation of SIP amount easy, the tool is handy to use as well. Let us understand the concept of SIP calculator with a story. There were two friends Yash and Rohan. Both had passed out college and were placed in MNCs. With the commencement of their career, they took a resolution of initiating their investment also. Yash was very trendy, and new technologies magnetized him. On the contrary, Rohan was simple and was not much of a techie. As both of them decided to invest, Yash did all the research online and also prompted Rohan to take up the online investment method. But, as for Rohan, it was not his area of expertise. So, Rohan relied on the mutual fund agent, and Yash went for online investing. When it came to deciding the amount to invest as SIP monthly both were confused. Yash took the help of an SIP calculator, and Rohan trusted the agent. But, the outcome was that Yash got the exact amount required for investment and the agent failed to calculate the precise amount and thus took an approx figure. Thus, for the same scheme Yash paid the correct amount that was required and Rohan had to pay a little more due to the inaccuracy of calculations.

The story signifies the importance of SIP calculator in the investing process, because the amount of SIP decides the corpus (the main aim of investing). Especially in the online investing the role of an SIP calculator is of vital importance. The investor advances towards being free in order to make the optimal use of their money. SIP calculator acts as a catalyst in aggravating the process investment through proper channel.

Features of an SIP calculator:-

There are a lot of features which motivates an online investor to use SIP calculator. A few amongst them are stated below:

Easy to use:

SIP calculator is an easy tool to operate on. The user-friendly approach is the striking feature of the tool. Providing an environment of smooth functioning and quick calculations, an SIP calculator in India is making online investments attain new heights with each passing day. The main reason of the increasing inclination towards online investment is the handy tool (SIP calculator), which ease out the complex calculations manifolds.

Using CAGR:

SIP calculator uses the formula of CAGR (Compound Annual Growth Rate) to calculate the returns. CAGR is the most widely accepted concept for the growth calculation of investment over a period extending one year. The calculation of CAGR is very complex and not beyond the grasping power of non-financial people. It is a mind wrecking concept and takes time to understand. But you need not worry. The CAGR calculation is simplified with the help of SIP return calculator. Paving the way for quick and easy calculations, SIP return calculator has become a defining point of online investment.

Targeting accuracy:

The goal of an SIP calculator is to provide results that are 100% accurate. But, it works on the inputs that are fed to it. Any mistake in the input data leads to an erroneous result. Otherwise, the result shows the exact and accurate outcome without the mistake of a decimal place. A perfection of that level is surely a strong feature of SIP return calculator.

A website like 167.114.87.240 will provide you with the highest quality in the industry.

Why Credit Tenant Lease (CTL) Loans Are Closing While Other Financing Is Stalled

In today’s volatile commercial real estate lending environment, people want to know what’s working and what’s not.

While there is an ongoing liquidity crisis for land loans and most development projects, we are seeing some loosening in funding for income producing commercial buildings with cash flow that covers the debt service. In particular, one bright spot has been credit tenant lease financing or CTL lending.

CTL loans are a unique kind of commercial mortgage that is designed to finance commercial real estate that is triple net leased (NNN) on a long-term basis to an investment grade tenant. CTL financing is a highly specialized type of commercial real estate investment banking and is generally not offered by typical banks or brokers.

The CTL segment of the real estate finance industry is relatively healthy compared to traditional commercial mortgage lending. In-fact, once CTL term sheet is drawn up and agreed, to it is exceedingly rare that a banker fails to fund the loan and close the deal.

There are several important reasons that CTL loans are closing at a brisk pace while other loans are being rejected or never reaching the closing table.

Unlike standard commercial mortgages, CTL loans are non-recourse loans that are primarily backed by the terms of the lease and the strength of the tenant rather than the financial wherewithal of the borrower and the intrinsic value of the real estate. In-short, if the lease and the tenant pass muster, the loan will close.

CTL loans can be originated with up-to a 100% loan-to-value (LTV) ratio that is subject to a very small debt-service-coverage ratio of about 1.01. These relaxed ratios make it easier for cash strapped investors to come up with the cash necessary to get a deal done.

Also, CTL loans are funded by the investment bank issuing and selling corporate bonds in the private placement market. The investment grade bond market has remained remarkably strong throughout this recession and funding loans in this manner is much easier than trying to pry money away from a bank or an insurance company.

Because CTL loans are only written against buildings NNN leased to strong tenants, it is much easier to get purchase, refinance and even construction & development loans funded and closed. All that is necessary is an investment grade tenant, such-as Walgreens, Wal-Mart, Target, or the US Government and a triple net lease that spans at-least 10 years.

This debt crisis and the corresponding recession have been painful for everyone especially for real estate investors in-need of dependable financing. The pain continues in many sectors but credit tenant lease financing remains strong and reliable.

Top 5 Benefits Annuities Can Bring Except The Lifetime Income

Earning a consistent income in their retirement life is a major concern for the seniors approaching their retirement and many of them invest in different annuity insurance plans. These annuities help the insured to receive a guaranteed income for life protects from the fear of outliving their savings. Also, if a senior couple hasn’t saved enough or doesn’t have someone to support after their retirement, these policies help greatly to take care of their daily expenses and maintain a better lifestyle. However, the majority of seniors isn’t aware of all the benefits an annuity can bring. Most of them buy an annuity solely to receive a guaranteed income in their retirement life but the annuities have a lot to offer. Here, we are going to explain five more benefits of a retirement annuity plan that you might not be knowing.

Benefit to your loved ones

At times, seniors pay a long series of premiums to earn them back during their retirement but die at an early age without receiving the complete benefits. Many seniors die soon after their retirement and insurance providers keep their share of investment with themselves. But, the new additional feature allows transferring the benefits to the beneficiaries, if the insured dies early. Along with the immediate annuity plan, you can choose a guaranteed period of 10-20 years that are calculated since the time you start receiving the payments. If you opt for a 20-year guaranteed period with the annuities, your insurer will provide a series of payments for exact 20 years. You can name your spouse or kids as the beneficiary and they will receive the benefits for rest of the period, in case you die early.

Tax deferral on earnings

Most of the investments are applicable for state and federal taxes, but the investments such as interests, annuities, dividends and capital gains earn a tax-deferred status. These investments are tax-free until you withdraw the accumulated amount. The tax-deferral is similar to 401(k)s and IRAs, but there isn’t any limit on the amount and you can put any amount into the annuities that you assume enough to spend your retirement comfortably. Moreover, the minimum withdrawal criteria have more flexibility than that of to 401(k)s and IRAs.

Tax-free investment transfers

Market performs differently at a different time and an investment performing strong today may perform poorly after a certain period. Hence, investors keep transferring their investment amount form one to another fund and there are financial advisors to help with the same. Usually, these investment transfers or rebalancing are applicable for taxes but the annuity retirement plan has no such tax consequences. That means, you can rebalance your investments as per your financial advisor’s suggestion and you won’t have to pay any taxes on that.

Protection from lenders

People take different types of loans to match a better lifestyle and pay the due amount in installments. At times, people reach a stage where they only have the money enough to take care of their fundamental requirements and aren’t able to pay the loan installments. In such cases, if the lender files a lawsuit, they may lose the return on the investments made. Annuities insurance policies also help protect your investment return even if you can’t make the installments. Usually, the premiums you have made to your insurance provider, belongs to them and there are laws that restrict that money to be accessed by the lenders.

Variety of investment options

Insurers help the investors with a range of annuity options at retirement including the fixed and variable one. The first one credits a certain rate of interest on the amount you deposit while with the later, your money is invested in the stock or bonds like mutual funds and provide a return based on the market performance. Also, various insurance providers have introduced different types of floors that set a limit by which your investment value may not fall further. That means, if you have invested in a variable annuity, you return won’t fall below a certain value, despite the fluctuations in the market.

How To Save Money On Your Two Wheeler Insurance

Tips to save money on two wheeler insurance

Many people in India own two wheelers. It is compulsory for you to buy a two-wheeler insurance policy if you own a bike or a scooter. But can you reduce the insurance expenses? Sure you can! Just follow these tips and you will see a difference.

Avoid making smaller claims: Before you make a claim, see how much the bill amount is. If it is a small amount, pay it yourself. Making numerous small claims will unnecessarily bring down your NCB to zero which will overall lead to a loss.

Attach anti-theft devices: A car insurance plan offers protection against theft and other dangers to the car. So if the car is found to be safe and less susceptible to thefts and break-ins, the insurer will offer a discount on the premium. Therefore look to install some anti-theft devices to the car to not only keep it safe but also to reduce your insurance costs.

Be a good driver and earn No-claim bonus: Driving carefully will reduce the chances of your car getting into mishaps. This will reduce the need to make claims and you will earn NCB. The NCB will in-turn pull down your insurance premium costs.

Renew two-wheeler insurance before expiry: Do not wait for the two wheeler insurance policy to expire before you renew it. If you have a lapsed policy, you may need to pay some fees and fines to get a new plan. So always try to renew the policy on time to save money.

Buy online: It is known fact that insurance bought online is cheaper. So buy a two wheeler insurance plan online and save a considerable amount of money.

Choose the right kind of cover: If you have a two wheeler that you use occasionally or is almost on its way out, opt for a third party cover. If however your bike is used daily and is a valuable vehicle, go for a comprehensive plan. Knowing which cover you need will help you save money.

Deductibles: Every two wheeler insurance plan has a deductible component. This means that as the policyholder, you will have to pay certain amount at the time of a claim and the insurance provider will pay the rest. A high deductible will lower your premium costs and vice versa. If you are confident of your driving skills and feel you won’t need too many claims, opt for a higher deductible. This will help you save money on your two wheeler insurance plan.

Compare: Last but not the least, you most definitely need to compare the available car insurance plans to get the best deal at the best rate. This is one of the easiest and quickest ways to save money on your bike insurance plan. Compare when you buy a new plan or renew an existing one.

Investing in Private Placements – High Risk, High Reward, Limited Opportunities

Sometimes privately owned companies open up investment opportunities to a small, select group of investors. These investment opportunities are called private placements. They can be in shares of the company, specific projects, debt reduction, or other investment opportunities. Investing in these placements is normally a limited time opportunity. This can become very profitable, especially if you get a share in a private company that then goes public, causing a vast increase in the value of your share of the company. However, they are also considered very high risk. Internal growth, recapitalization, and acquisitions can provide investment opportunities in privately held companies.

Investing in these kind of placements is a risky venture. Publicly traded companies have scads of paperwork designed for educating investors. Researching the company is the responsibility of the investor in private trading. Necessary research topics include ownership, management, industry, and market of the company plus any specific area of investment, such as a project or acquisition. Doing your due diligence prior to investing is a good rule of thumb for any investment venture. There are rules and regulations in this investment structure, but it is less regulated than public traded stocks.

These traded securities may be debts or equities in the company. Banks, insurance companies and financial institutions are most often involved in investing in these types of placements, though individuals can also take advantage of this type of speculative investing. These securities do not have to be registered with the Securities and Exchanges Commission. This type of trading is based on the fractional reserve banking system, the system common to all banks.

Along with investing in these placements, some investors may provide bridge loans for these companies. These are loans that help support a company between the private placement stage and the public offering stage (long term financing). These are short term, high interest rate loans; some are even as short as two to three weeks or as long as one year in duration. They are meant to simply help out until the long term financing solution is in place. There are investment bankers with multiple decades of experience in these types of placements and bridge loans to service companies in every step of the process. Some open investment opportunities to individuals as part of a private placement group. There can be tax benefits for trading in the private sector as a part of these types of placements.

Top 6 Advantages Of Student Loans

It is just a common myth that only the federal loans provided by the UK government are cheaper and easier to repay than the student finance options provided by the private direct lenders. However, if you see the APR and repayment modes, then you come to know that private student loans are the clear winner! Let’s have a quick look at the top 6 advantages of education funds offered by the direct lending companies:

Borrow Short-Term and Long-Term Funds

Whether you are looking for a big amount to complete the higher education course, or need short-term funds, to give just hostel and tuition fees; both options are easily available and you can access the required funds in less than 24 hours without facing any hurdles. You can ask the lender to transfer funds directly to your bank account or deliver to your doorstep.

No Documentation to Waste your Time

The time of a student is very precious and instead of taking stress about the cash, he should focus on studies. Direct lending companies know the importance of young generation in the development of the UK and hence they offer paper free student loans plans. You are not required to submit your last class mark sheet or the address proof.

Apply Online in Just 2 Minutes

You don’t have to bunk classes or take leaves from the college, just open your laptop or smartphone and apply for the student finance loans on any reliable direct lending website. You would need just 2 minutes to complete the online application procedure. No hard copies or soft copies are required.

Avail Funds with No Guarantor

Students don’t have a big network to arrange a guarantor. They are dedicated towards their studies and interact less with people. Arranging a guarantor is an embarrassing task for them as people are not ready to co-sign their application. They can easily access student education loans with no guarantor and no broker by applying to a reliable direct lender.

No Hurdle of Bad Credit History

Some students have bad credit issues due to pending credit card bills or some other reasons. Banks and conventional lending companies don’t entertain their funding requests. However, they can easily secure the cash by applying student loans to a bad-credit friendly lender. There are no hidden charges. You can compare various deals and grab the best one with the lowest APR.

Easy and Flexible Repayment Modes

Everybody knows that a student can’t repay funds during his education time. He doesn’t have a steady source of income. Direct lenders offer various student repayment plans that can be chosen as per comfort. You can either start repaying in installments from the next month or repay the total debt in instalments after completing your education.

The Benefits Of Trading The Commodity Market

Like trading in the Stock market, trading in the commodity market is also very interesting. While one trades on the basis of Stock Cash Tips in the stock market, the trader can trade on the basis of commodity tips in the commodity market. ProfitAim Research is one such advisory firm, which provide both the best Stock Cash tips as well as commodity tips to the traders.
Commodity market seems to be a lucrative avenue to a lot of traders and Investors. In the Commodity market various commodities are traded and one can take benefit of the price fluctuations to trade effectively in the commodity market. Various commodities are listed on the Commodity exchange and the relative prices of various commodities are traded on the exchange. There are various benefits of the Commodity trading like a trader can make huge profits by trying to forecast the Commodity signals. The most important part of the Commodity trading is to anticipate the Commodity trading signals.
Scalping: Intraday Trading Strategy For Commodity Market
One of the important benefits of the Commodity market is that the trader can form a strategy and trade on the basis of it. The Intraday strategies like First hour strategy or scalping techniques can be followed to earn good profits from the trades. Scalping is a technique to look at the price range during the first hour of trade and then look for a breakout from this range. Thus, if the prices break from the high it’s a buy call and a rise in the prices is anticipated. On the other hand, if a breakout from the lower limit of range is observed a down trend is anticipated. Thus, scalping is an important strategy in achieving good profits from the Commodity markets.
Also, there are other strategies available like trading for small profits. In this case small changes in the Commodity signals are generally traded for the profits. Also, a large number of trades are executed to add up to large profits, this will be applicable in Stock cash tips as well. The Commodity trading signals are unassuming but still with a proper plan and a proper strategy good profits can be made through Commodity markets. The trader can also base their trade based on the advice from the advisory firms who provide free Commodity signals initially and then charge a nominal amount for their services. Thus, the Commodity trading is beneficial if done with proper planning and strategy.
Trading based on the Charts
Trading in the stock or commodity market is an art difficult to master. People use various methods and strategies to trade in the stock markets. Trading based on the charts is one of the ways out of them. Various types of charts exist like Candle Stick charts and line charts. These charts can be plotted with varying time scale. The price movement depicted by chart can be an important way of forecasting future prices.
Thus, one can trade on the basis of charts and by applying suitable indicators of the technical analysis, one can anticipate the price movement. Trading on the basis of intraday Stock Cash Tips is the other way of trading.

Making Ends Meet – Getting A Temporary Finance Job

No matter where you live in the world, it is the nature of the economy of the world today that a number of jobs are transitional. The availability of jobs is never fixed because companies have to evolve in order to move forward from year to year. The economies of various countries have to roll with the demand in order to meet it and thus must tailor their products and services offered to that. As a result, some workers will consent to act on a temporary basis.

Temporary employment can lead to a job in all kinds of industries, temporary finance jobs for example. It may be that some employees stay a week to fulfil a specific role whereas others stay on for months and make work towards turning their temporary finance job into a permanent position. Although temping is not a common thing in the workplace, it has a valid function today.

If you are looking for an entry point into the finance industry then a temporary finance job may be the way to go. Various corporations and companies have a large number of employees and do not want the hassle of going through the recruitment process every day to fulfil the job roles needed. Temporary finance jobs fulfil the roles for them. Agencies are employed to recruit people to fulfil the temporary finance job roles and then the company will choose to hire individuals from the temporary contracts that individuals are given. Having a temporary finance job is just like trying out for the role in effect.

People from all walks of life and educational backgrounds are competing to get a foot in the door of the financial industry via a temporary finance job. Even those with college degrees in accounting and finance are looking at it as an entry route into the industry. You can choose a specific sector of the industry and work your way in from there. The levels of pay vary but it will give you relevant experience that may lead to something much bigger in the future.

There are several ways to find a temporary finance job. Obviously you could check jobs websites and adverts in the local papers. However, joining an agency may actually work out to be your best option when it comes to applying for a temporary finance job. The industry tends to go through specialist agencies in order to find potential long-term candidates. You can often search an agency’s website for a temporary finance job if they assign you a password. There is bound to be something on there for you.

It can be extremely difficult to get into the financial industry [http://www.temporaryjobshelp.com/Temporary_Job_Placement_Agency/] today with competition for highflying jobs and careers being as ruthless as it is at the moment. It can be very difficult to get a foot I the door to begin with. A temporary finance job can get that entry for you. The rest is then up to you. If you make the most of your opportunity then who knows where it may lead

Judge Some Facts Before Exchanging The Money

When you will go traveling, then you have to take the things, which you will need in that place. It is necessary because you will not get the facilities of your home there and you have to be prepared for every situation. But when the matter comes to the visiting of a foreign country, then apart from our excitement we have to think about the thing first is the money. As all of us know that there is variety in the currency of different place. So, we must take the proper currency of that place as we cannot do anything without it. There are some methods, by which you can exchange the money, like the banks, the ATMs or from some brokers.
The banks are the most reliable medium for exchanging the money. You can be assured by the fact that you will get the service authentically. They will systematically exchange the currency and you don’t have to think about it. You can also convert it from the banks of that place also. You will get the same reliable service. But as you are going to a public sector, then it will take some time and you have to wait for it. So, if you don’t have the time to wait there, then you will face difficulty by exchanging through the banks. The banks also charge high rates for converting the money, then it can be expensive for you.
You can take the money from the ATMs also. It is the most convenient medium for getting your cash, as you yourself will draw the money and you don’t have to depend on someone for this. So, you can take the money whenever you needed and it is the fastest service. But there I also the problem, as the ATMs charge a very high price for drawing the money. It will become more expensive for you as you have to pay more than the normal transaction. If you think that you will get the money at a time, then also it will not be safe for you to carry so much money to an unknown place. But with every transaction, you have to pay the charge.
When you will try to go some brokers for Cash Exchange, then it becomes easy for you as you can get the money by sitting at your home. You can do it by online and the agent will come to your home and will take the money from you and will also return it within the given time. It can be a suitable option for you as you don’t have to do anything for the exchanging the cash. But there also can be a problem as the matter is about your money, then you have to be a little careful and have to know about the broker and the agent, who will be the medium of transaction. If they are not reliable enough, then your money will not be safe enough. There is also the matter of the false currency as it has happened in the services like Australian Currency Exchange. So, be careful about every facet of exchanging your money so that you don’t have to waste your money in the wrong place.

Undergraduate Courses at a Finance University

Undergraduate Business and Finance courses are available at a host of universities across the United Kingdom. However, studying at a specialist finance university gives students the best possible opportunity to receive industry-standard teaching both on a theoretical and practical basis.

Studying at a specialist finance university enables undergraduates to be fully prepared with the key skills that will maximise career prospects. London boasts specialist business schools and are prime examples of an institution which provides a learning environment and an undergraduate programme closely linked to the industry with professional placements, with the opportunity to study abroad.

Such institutions set rigorous entry requirements, as students fortunate enough to enroll in such a course will have a significant edge over those who study a business or finance course at a university that specialises in other areas. Meanwhile students with particularly strong academic grades from across the UK, European Union and on a global scale are often eligible for scholarships and bursaries that can provide a significant financial boost in the first year of study.

A host of courses at specialist finance universities cater for short-term internships and even year-long professional placements that enable students to gain professional experience that is valued by graduate employers. Some students impress sufficiently on their placement to be offered a permanent contract at the end of their studies.

London finance universities also benefit from being able to boast a lively and friendly social scene which makes student life significantly more comfortable when moving away from home to a metropolitan campus. With well-oiled student unions and societies it provides the complete student experience making it the best possible investment for future employment.