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What to Look For When Choosing Business Insurance

Most business owners are busy people. Between managing employees, customer service, marketing your business, and trying to budget for everything, staying on top of things is not always easy. And prioritizing all the tasks that you have often means that unfortunately, some things end up slipping through the cracks and being forgotten about. For many business owners, business insurance is the first thing to be forgotten about. However, it’s important to have and is something that requires your attention immediately. If something bad were to happen at work and you don’t have business insurance, your company could be over. So, what should you consider when choosing business insurance and getting the best online insurance quotes for you?

Liability Insurance:

The idea of insurance is to ensure that your business is covered financially against issues and situations that you would not be able to cover otherwise. For most businesses, this means getting Public Liability and Professional Indemnity Insurance. Public Liability insurance will protect you financially if you are found liable for causing injury, damage, or loss to a third party or their belongings. Professional Indemnity Insurance will cover you financially against any claims or legal costs that are the result of a breach or omission of duty.

Insuring Your Assets:

There is a wide range of policy types to choose from when it comes to protecting business assets like property and equipment. Chances are that you will need to take out a policy that covers both your stock and equipment and building insurance will be essential if you own your business premises. If you have various equipment types that are essential for running your business such as computers or manufacturing equipment, you should definitely consider electrical equipment and machinery breakdown insurance that will provide you with additional peace of mind if any crucial pieces of kit were to break down. Theft insurance and employee dishonesty cover can protect you financially if anything is stolen by somebody either from outside or inside your company. Deciding on the right type of insurance policies for you will require taking some time to think about your business’ specific needs.

Data and Cybersecurity:

Today, businesses are holding more and more important data about their employees and customers, and protecting this information is vital. Cyber liability insurance is increasing in popularity and may be something that you will need to consider. If you hold a lot of data on your customers, cyber liability insurance will protect you financially in the event of a data breach and help to reduce the damage done to your company. There’s no denying that a data breach can have disastrous effects on any business, particularly if it is large enough for customers to lose trust in your brand.

Remember that when it comes to choosing business insurance, there is no solution that is suitable for every company. It’s important to consider the individual requirements of your company and take a number of factors into consideration such as your industry, business size, location, employees, and other risk factors. An insurance broker can go over all this information with you to suggest the policies you are likely to need the most.

4 Tips For Choosing the Right Payment Processor For Your Business

Every business needs a payment processor to process electronic payments for you. For small businesses and independent traders, there are plenty of options out there. However, as a business grows and needs to process more payments, it will require a dedicated service.

Here are four key things to consider when choosing the right payment processor for your business.

Check Their Fees and Policies

Different payment processors will charge different fees, and it is important to understand exactly what these are before you get anywhere near to making your decision. It shouldn’t be difficult to find the information that you need on the payment processor’s website. There are a number of different fees that might be applied to a transaction and they are normally bundled together into a single cost for businesses.

One thing to watch out for is a payment processor who appears to be offering a deal that looks too good to be true. If this is the case, then it is probably true. Some unscrupulous payment processors have been known to hide fees from their users, leading to nasty surprises down the line.

Check Their Security Reputation

It is important for both you and your customers that you fully trust the payment processor that you use. If you will be accepting credit and debit card payments, as most businesses will be, then you need to ensure that your provider is PCI compliant.

You should thoroughly investigate any payment processor through online reviews. These are often a great source of information, especially where security is concerned. If there are any glaring holes in a payment processor’s security, it will no doubt be flagged by the online community.

Choose a Processor That Fits a Business of Your Size

Most payment processors will offer tiered pricing for their services. These tiers are generally based on average transaction values and the frequency with which transactions are processed by your business. This can all be a little bit difficult to get your head around at first, but it is important that you choose a package suitable for a business of your current status.

Of course, you should also factor in the future growth of your business. The payment processor who you use now may not be the same one that you find yourself within a couple of years. Look for a payment processor who is flexible when it comes to scaling up your package.

Check Out What is Involved in Getting Set Up

Fortunately, most payment processors make it really easy to get everything set up. However, it can be a bit confusing as to exactly what costs will be involved. In some cases, there may be relatively high hardware and software costs that you need to cover, and this is something that you will have to factor into your decision making.

it is also important to remember that there will be ongoing maintenance costs with many payment processors. For example, if you run into trouble and need to troubleshoot the issue then any downtime for your business represents lost revenue.

We strongly recommend that you have a look online for other customers’ experiences using a processor and pay particular attention to any information about the quality of their customer support service.

Choosing the right payment processor can make an enormous difference to your customers’ experience, as well as your own ease of operations. Choosing an inappropriate processor can ultimately incur significant costs, so make sure you take this decision seriously.

Payment processing is a tricky legal space that has gathered a lot more attention in the recent years.

Buying Property In India

There is indeed no doubt that purchasing property in a developing nation like India is a good idea but, there are indeed advantages and disadvantages to everything in life, and the same can be said for this as well. There is also no confusion or even a counter-argument about the fact that real estate can bear a significant premium over the amount of money that you have invested, and that would be that real estate would indeed give you a whole lot more than what you would have initially invested. You initial investment has a potential to double, even triple when it comes to real estate. Here is an example, a house that you would buy for 1 crore could end up selling for twice or thrice that amount because of how property values increase.

Since real estate, if so profitable, you will have no issues by increasing your wealth.  If you are someone who believes in investing your money and saving up what you make out of it, you will certainly have a great time doing so because real estate is one of the best places to invest money into. You should also keep in mind that not every single property you purchase is a goldmine. It would indeed depend on the area as well. It is indeed pretty easy to understand because real estate prices their properties relating to location, age of the building, build, features, amenities, and many more things that would matter when the place is being let to rent of is being sold.

This would indeed clear some doubts, an apartment in the middle of a metropolitan city could end up costing as much as a huge house or even a villa in the suburbs or somewhere outside the city. The location plays a huge role when it comes to pricing, way more than all the other features. The same principal is applicable everywhere. I personally feel that houses are much better investment opportunities because when you purchase a house, you will be purchasing the land along with the house as well. Another thing that you could consider doing is that, you could just purchase a piece of land and start the construction of an apartment complex yourself. Make sure that you get the permit to build multiple floors. You could build how many ever floors your budget lets you build, and when it is done, if you are in need of money, you could sell one of those apartments for the price of what you paid for the land, or even more and make sure that you rent out the rest of the apartments. This would indeed be a rental goldmine.

DLF City is the Most Expensive Residential Area in Gurgaon

The DLF City Gurgaon is one of the best township and spread over 3000 acres, representing the best of DLF’s township development capabilities and one of the most expensive residential area in Gurgaon. It the Asia’s largest private township, spread over five phases, with landmark constructions. It offers a comprehensive modern-city infrastructure, encompassing basic amenities, social infrastructure which include educational institutions, healthcare, hospitality, shopping and entertainment facilities. This is complemented by the prestigious DLF Golf and Country Club, the only night-golfing course in the country, and rated among the top ten in Asia.

DLF City is located in Gurgaon, Haryana, on the south-western periphery of New Delhi. It is part of Delhi Metropolitan Area and a significant real estate player in the National Capital Region (NCR). Its strategic importance lies in its close proximity to the domestic and international airports. It is also well connected to south, central and western Delhi through NH-8 and Mehrauli-Gurgaon Road.

Gurgaon DLF Phase- I
This phase is the oldest, earlier known as the Qutub Colony (Qutub Enclave). It houses many residential flats and the commercial units of the DLF and other companies. Residential property include condominiums like Silver Oaks, which houses more than 500 families. Being one of the most posh areas, there are many independent bungalows/villas or floors. Price: Plot: Rs 60,000-80,000/sq yrd. 2-Bedroom: Rs 45 lakh 3-Bedroom: Rs 65 lakh Villas and bungalows: Above Rs 1 cr . Commercial Property in DLF Phase-1: Property is available both on rent and retail for office and retail purposes. Plaza towers here, house companies such as British Airways.

Gurgaon DLF Phase-II
It is the most expensive, and the commercial hub of DLF City, with most of the malls located on the border. Residential properties are in the form of condominiums like Oakwood Estate, Belvedere Towers (Trinity Towers), Hamilton Towers (on border). These house over a 1000 families, while many builder-flats and independent-houses are also available.

Price: Plot : Rs 60,000-80,000/sq yrd 2 Bedroom : Rs 45 lakh, 3 Bedroom : Rs 65 lakh, Independent house/penthouse : Above Rs 1 cr Commercial property in DLF Phase-II: This border-phases has all the malls lined up like MG, DT, City Center, Sahara. Also, it has many MNCs and ITES like Nestle, Tata, KPMG, and the upcoming BPOs like Converges, Ericsson. The property values are on a rise in this area as they are providing for about 70% leasing demand from the MNCs.

Gurgaon DLF Phase III
This provide for prime residential, commercial and social opportunities. Being nearer to the malls, DLF Phase III is expensive, but at the same time offers a very peaceful residency. Condominiums like Belvedere park and Pink town House, part of DLF ventures, are high class and house over 1500 families.

Gurgaon DLF Phase IV
Situated near Sushant Lok, Phase IV is a perfect blend of everything — just what a family needs for its hi-tech living. Residential property in DLF Phase – IV: Condominiums like Regency Park, which is the tallest building in Gurgaon, having 26 floors, Ridgewood Estate. Independent bungalows, builderflats are also available. Price: Plot: Rs 50,000-70,000/sq yrd 2 Bedroom: Rs 50 lakh 3 Bedroom: Rs 70 lakh Independent and Penthouse : Above Rs 1 Cr Commercial property in DLF Phase : It has the Galleria Market, which is the biggest shopping complex and also spaces the Super Mart I & II.

Gurgaon DLF Phase V
This primarily occupies many a premium residential homes and is in proximity to the Golf Course Road. Condominiums include Princeton, Wellington, Carlton, Summit, West End. Penthouses are available in all these and independent bungalows are also there. Price: Plot: Rs 50,000-70,000/sq yrd 3 Bedroom: Rs 1 cr 4 Bedroom: Rs 1.40 cr With several malls located here, commercial property value is on a high. Moreover, having become the hub of BPOs and ITES, the values are still on an upswing.

DLF Cybercity at Gurgaon
DLF Cyber City is spread over 125 acres of land on the northern edge of DLF City. It is located at the intersection of NH-8 and the Sector Road that leads to the DLF Golf and Country Club. The DLF Cyber City will offer over 15 million sq ft of modern workspace to leading corporate houses, software majors and IT-enabled service companies which seek international grade infrastructure.

Decorate Your Homes with Art and Smart Furniture

Rented homes need not look boring. Here are some tips & suggestions to decorate such homes with art and smart furniture.

Young people, these days are ready to go anywhere in pursuit of a good job. In a city like Delhi, Noida, Gurgaon, Mumbai, Chennai, Hyderabad, Pune or Bangalore, with its established companies, there are many single professionals who either stay alone in rented residential apartments or share them with their workmates. Most tenants believe that it is pointless to invest in such homes as, after all, it’s only a place to ‘crash out’. If your home can be done up inexpensively, however, there is no reason not to make it one you will want to return to after a long day.

Furniture Choice for Home Decor

To begin with, remember that you might not stay in the house for long and might have to shift cities or homes in a few months. Thus, going ballistic with heavy furniture doesn’t make sense. Instead, furniture in such homes should be minimalistic. Minimalist furniture not only makes the home look spacious but is also low on maintenance.

Flexibility of an Apartment

Flexibility is one of the main aspects of such an apartment. Avoid the use of heavy blocks of furniture for another reason as well – in order to retain a clutter-free home. A single couch/sofa or low seating Indian baithak upholstered in cotton sheets is in vogue and functional, especially when friends come over. Rexene is impervious to stains and can be cleaned easily – thus making it perfect upholstery for furniture. Throw on a few large pillow in vibrant shades such as red, blue or even silver or gold to add some contrast and give you something soft to lay your head on.

Openness of Home

Openness is another element that gives a feel of more space and consequently, makes your home a multi-purpose platform. Professionals who work from home, for instance – a photographer, an artist, a writer – may want to create a corner to work. Turn the living room into a study area by fixing a table and chair in one corner, while separating it with a foldable partition to make it a bedroom in case of space constraints.


Vibrancy and exuberance will automatically be infused into the ambience when one plays with colours. Don’t be afraid to paint. Plain white walls just add to the cave effect in your room. Add one rich colour such as sea blue, sage green or chocolate brown, even a deep green or rich red that will open up the room and add real drama. The biggest myth out there is that colours will make a room seem small and dark. However, the more colour you put on walls, the brighter becomes.

Curtains and Drapes for Home Decorate

Add more magic to the home with colourful curtains or drapes that flow along the windows.

Art & Craft of Home Decor

Paintings and posters are another option to camouflage monotonous walls. Hang one large piece of artwork, a colourful print, or just a large canvas that is painted with only one or two colours. Any one of these will add sophistication to a room. Place artifacts such as abstract objects and candles at strategic locations.

Decorate Bedroom

The bedroom can be left completely functional with a wardrobe, and a bed with side table and mirror. A few pockets of light with standing lamps can create magic. Use yellow lights to create such effects.

Less is more though, so whatever you do, don’t go overboard. A few well placed, big items will make a room look fantastic and pulled together, whereas a host of little things will look cluttered and messy. Just a touch of colour here and there against neutral backgrounds is all you really need to make a room look trendy and lived in.

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Art for Home Decor, Bedroom Decoration, Decorate Homes, Furniture for Home Decor, Home Decor, Rented homes decor

Home Loan Interest Rates in India May Come Down

If you are thinking to take the home loan for your dream home then you can wait for some time because there are strong expectations that home loan interest rates may come down in the near future. The expectations have been fuelled by the recent Interim Budget. The macroeconomic data indicated in the Budget reinforces these expectations. The Interim Budget has targeted fiscal consolidation. A lower fiscal deficit target and a lower-than-expected government borrowing programme for the financial year 2015 were projected in it.

Food prices, which were the cause of high inflation numbers, are coming down. If the food inflation eases, the Reserve Bank of India (RBI) will have more leverage to bring down the key interest rates. A reduction in the key interest rates will translate into lower interest rates on home loans in India as well.

The RBI has indicated that it is keen on making tackling high inflation its major objective, and that it is likely to target consumer prices in the future. However, given the current economic situation, the RBI needs to strike a balance between growth and controlling prices.

For the financial year 2015, the government has set a fiscal deficit target of 4.10 percent of the GDP, which is marginally better than the expected 4.20 percent. A net market borrowing of Rs 4.57 lakh crores is expected to finance 87 percent of the fiscal deficit, while gross market borrowings are likely at Rs 5.97 lakh crores in the financial year 2015, better than market expectations which were in the range of Rs 6.10 to Rs 6.40 lakh crores.

The expectation of a reduction in interest rates also gets support from expectations that the exchange rate will improve. With a fiscal deficit target of 4.10 percent for the financial year 2015 and 4.60 percent for the financial year 2014, the economy can be expected to draw the confidence of foreign and domestic investors, thereby providing positive signals to the rupee as well.

The Wholesale Price Index (WPI) based inflation dropped by over one percent to 5.10 percent in January this year (as compared to 6.20 percent in December 2013). The Consumer Price Index (CPI) based inflation also dropped – to 8.09 percent (as compared to 9.87 percent in December 2013). The downtrend in both the WPI and CPI based inflation rates will also provide comfort to the RBI considering their relation to the key interest rates.

Industrial production, particularly manufacturing, has shown a slowing down in December and November 2013. Investments in manufacturing, a major component of the industry, are not forthcoming because of high interest rates. According to the RBI, inflation led to a slower growth rate and unless inflation is curbed there will be no sharp growth.

So, inflation acts as a barometer while deciding on the timing and quantum of cuts in interest rates. With inflation showing a downward trend, things look optimistic. As such, a prospective home loan borrower can expect a reduction in interest rates in the coming months. The reduction will be gradual as the RBI will watch the inflation numbers closely and then take cautious steps towards reducing the key rates.

In these conditions, prospective home loan borrowers in India should stick to a floating rate loan.

3C Lotus Panache

Lotus Panache is one of the Dream Project by 3C Company in Noida 110. Lotus Panache spread across in 41 acres with lush green surrounding, swimming pools, club etc. This Green Residential Project is located opp. to well developed sector 82, Noida, its just 1 km from the Noida – Greater Noida Expressway, Max Hospital 15 Minutes, DND Flyway 15 Minutes, Lotus Valley International School 05 Minutes.

An enviable blend of sheer luxury and suburban lifestyle. Lotus Panache will be a step ahead in Green Developments. Showcasing a mix of 2, 3 and 4 bedroom apartments, its architecture will present a host of economic, health and environmental benefits.

2010 Will be Boom Time for Real Estate Sector

Property Developers, Property Consultants and Housing experts predict a string of factors that are likely to contribute to a boom in the realty sector in the 2010 year “Prices in prime areas will continue to rise in 2010. After the slowdown in 2008 and the steady resurgence in 2009, the real estate sector is all set for a an ascent to new heights in 2010, thanks to considerable course corrections. The prices in prime areas of Mumbai like South Mumbai, Powai, Chembur and the western suburbs will continue to rise in 2010. There is a sharp increase in supply in peripheral areas like Navi Mumbai and Thane, prices even in these areas will remain firm in the coming year.

If you talking about Delhi NCR property then it will definetely hit because of upming 2010 commonwealth games in delhi. Much of the onus for kickstaring this new growth phase will lie on the state government that is keen to provide affordable homes to the masses. “If the government takes the right initiatives, affordable housing will become a dream come true for the middle class buyers,” said Hiranandani, adding that steps like single-window clearances, expedited permissions, adopting of township policy and extension of incentives for mass housing will be a huge contribution by the government for the creation of an affordable housing stock. Developers are also doing their bit to ensure that the fraternity doesn’t introduce steep price hikes that could derail the demand. “Demand has picked up in the past few months. The coming year should see some robust activity, both in terms of volume sales and price points. Hopeful that 2010 will be a year of consolidation as well as expansion.

Prices of resedential properties as well as commercial properties are likely to see a steady rise in 2010. Irrespective of the location, office spaces are likely to witness appreciation across the india. The sharpest rise in the commercial sector is likely to be witnessed in india, with the average rate for premium office spaces in metro cities hovering between Rs 20,000 to 30,000 per square foot.

The pace and scale of growth in commercial realty will be led by the Tier 1 cities of Delhi NCR and Mumbai, with other markets also witnessing gradual growth in the later part of 2010,” says Priyankar Bhikshu, head of India Research at global realty adviser DTZ. Commercial and office properties in the prime suburban areas of Powai, Malad, Chembur, Navi Mumbai and Thane are also likely to witness an upswing in 2010. From the point of view of investors, who are scouting for returns-intensive opportunities, the saturated markets of the metropolis offer little scope for appreciation. Experts advise that they should explore new destinations in Tier 2 and Tier 3 cities that have better potential for good returns. Real estate stocks offer yet another attractive opportunity for investors. Even during times of crisis, like the recent Dubai meltdown, real estate stocks have often outperformed the broader stock market..

The BSE realty index gave a return 9.57 per cent post-Dubai FILE PHOTO scare, compared to the BSE Sensex gain of just 1.96 percent. Even on a monthly basis, realty stocks generated a higher return of 15.30 per cent to Sensex gain of 11.56 per cent. The sentiment towards real estate sector has improved after lenders slashed their housing loan rates. The last four months of robust economic numbers, along with better-than-expected GDP growth, signifies the underlying strength in the domestic economy. That augurs well for the real estate sector.