#A platform for financial growth for all segments like salaried

[rohitpalan]

Crowdsourced Security Market: Unprecedented Growth to Reach US$ 245.4 Million by 2033

The global crowdsourced security Industry size is anticipated to exceed a valuation of US$ 114.4 million in 2023. It is projected to hit a valuation of US$ 245.4 million by 2033. The market is predicted to thrive at a CAGR of 7.9% from 2023 to 2033.

Compared to engaging specialized in-house security teams or carrying out conventional penetration testing, crowdsourced security is possibly an affordable option. Instead of paying fixed salaries or high consulting costs, organizations may use crowdsourcing platforms to interact with multiple security professionals at once, paying only for the vulnerabilities found or successful tests run.

By showcasing a proactive attitude to security, crowdsourced security efforts may improve an organization’s image. Organizations may build trust with their user base, customers, and stakeholders by encouraging security researchers to properly report vulnerabilities. For instance,

A bug bounty program was started on HackerOne by NordVPN, a personal virtual private network service provider. It is part of a strategy to update VPN companies’ security measures.

Request a Sample of this Report: https://www.futuremarketinsights.com/reports/sample/rep-gb-14498

The BFSI sector is increasingly adopting crowdsourced security. The BFSI industry is a top target for cyber assaults because of the sensitive and priceless information it manages, including:

Financial data

Personally identifiable information (PII).

Transactional records.

The industry is subject to changing cyber threats including advanced hacking methods, malware, phishing assaults, and insider threats. By utilizing the skills of ethical hackers to find vulnerabilities and upgrade security procedures, crowdsourced security helps the BFSI industry boost its defenses.

North America is likely to dominate the global market. With a sizable number of companies operating across several industries, North America market accounts for a sizeable portion of the global economy. With such a wide range of businesses, from SMEs to huge international firms, crowdsourced security providers have many potentials to serve all types of businesses.

Key Takeaways from the Crowdsourced Security Market:

The global crowdsourced security industry size expanded at a CAGR of 5.8% from 2018 to 2022.

In 2018, the global market size stood at US$ 85.7 million.

The market size stood at US$ 107.6 million in 2022.

In 2022, the web application segment captured 39.2% of the market share.

In 2022, the on-premise deployment segment captured a 58.3% share of the global market.

In 2022, the United States captured a 14.5% share of the global market.

In 2022, China captured a 7.2% share of the global market.

In 2022, Japan captured a 5.1% share of the global market.

In 2022, India garnered a 10.2% share of the global market.

Ask An Analyst: https://www.futuremarketinsights.com/ask-the-analyst/rep-gb-14498

Key Players Working in the Global Market

Applause

Cobalt Labs Inc.

Bugcrowd Inc.

Detectify

HackerOne

Recent Developments Observed by FMI:

Microsoft unveiled new cybersecurity services in May 2022. The three services—which were unveiled under the service umbrella category of “Microsoft Security Experts”—are human-led services designed to deliver “secure, compliant, and productive outcomes” for businesses that use them.

IBM opened its IBM Cybersecurity Hub in India in February 2023. To help businesses in Asia Pacific (APAC) region prepare for and manage the growing threat of cyberattacks on corporations, IBM announced this multi-million dollar investment in its resources.

Crowdsourced Security Market Segmentation

By Type:

Web Application

Mobile Application

Other Types

By Deployment Type:

Cloud-based

On-premise

By Organization Size:

SMEs

Large Enterprises

By Vertical:

Telecom & IT

BFSI

Healthcare

Travel & Hospitality

Retail

Media & Entertainment

Other Verticals

By Region:

North America

Latin America

Europe

Asia Pacific

The Middle East & Africa (MEA)

[deepfinancialservices]

Deep Financial Services

[anjalisardanablog]

Fintech Recognition Driving Seamless Digitization of Loans in the Emerging Markets

In the last few decades, Fintech Industry has drastically evolved and has been consistently increasing. This has immensely resulted in the evolution of the technology wherein; the collaboration amid the technology and finance has driven a progressive transformation in varied aspects of finances fundamentally when it comes to investment, funding and short-term loan services.

What Fintech is all about?

Fintech is more of the financial technology which is majorly used in improvising the traditional financial methods including the development of the effective and latest solution as per the recent technology trends. Gradually, the fintech industry is growing persistently majorly in the context of fintech apps. With the constant evolution of financial technology, fintech apps are striving their best in bridging the gap between the traditional ways of handling money into modern ways of managing money.

The emergence of Fintech — A shift from Traditional to Digital…

Following the current estimates, funding has been increased by investment companies for fintech start-ups from $1.8 billion from 2010 to $ 19 billion since 2015. Wherein, approx. 12,000 start-ups started worldwide in the fintech universe competing against and enabling betterment in their offerings (Source: NASSCOM). Moreover, as per the source, it is also predicted that the Indian fintech market would reach by $2.4 billion from the present $1.2 billion. Since then, the Indian economy has immensely taken advantage of fintech opportunities wherein, it is also expected that fintech services would be available to everyone by the end of the year 2020.

Fintech has proven to be a ground-breaking force and is persistently shaping the entire financial sector in a much better way focusing on instant loans, short-term loans, funding, transfers, and payment management. All such components have been majorly impacted by the emergence of fintech.

Chinese Fintech App Entered in India

Fintech in India is growing rapidly where smartphone penetration witnessed 53% in 2014 to 64% by 2018, fintech services were barely tapped by the people where 80% of transactions were carried out via cash (source: swissnexindia — Fintech Report). It broadened and opened the wider doors for most of the fintech start-ups to establish themselves in varied segments. Owing to this, most of the Chinese fintech apps entered India and most of them are still in the process to establish their footholds in India.

Chinese fintech apps are persistently preparing themselves in getting introduced in the Indian market and teeming with many innovations. These apps are also planning to put forward India allowing them to evaluate the creditworthiness of the users with accuracy. India is considered as the second-largest market in the industry because of its huge population size and therefore, China wants to invest enough capital in India for fuelling its growth.

China wants to flourish itself on the Indian digitized platform because the Chinese regulatory environment on digital lending has resulted in a crackdown on unethical lenders. As a result, it caused Chinese lending apps to look for better opportunities outside China.

Fintech in India…

Now, with the emergence of Fintech in India, loans and other associated services have become exceptionally easier for users. This is so because it has transformed the traditional ways of applying for loans while standing in long ques for hours, paperwork and documentation, verification and delayed approval, etc. Alongside this, the digitization of banks has also fuelled the growth of fintech mobile applications to make financial transactions in a jiffy.

Since the origin of fintech, India has become one of the most leading and finest country in Fintech Innovation. This is so because of 2017 approx. 70 A billion sessions were performed by the users, 80 Billion sessions in 2018 and 120 sessions were performed in the year 2019. Additionally, in India, the growth of Average MAU of Fintech Apps since 2018��19 was approx. 70% showcasing the easy accessibility and availability of fintech apps accelerated by mobile (source: App Annie — State of Mobile 2020).

Moreover, in India, different loan apps comprising the highest number of installs have been preferred by the users because of its offerings and user-friendly flow which majorly focuses on the following essential credentials to be filled.

Common Flow of Fintech Apps (in context of loan application)

Preferred Language Selection, Signup & Login (Facebook/Google), Email Registration

Quick Profile (personal details) like: First Name, Last Name, Date of Birth, Gender, Pin code, City, Aadhar Card, Pan Card, Selfie

Employment Details: Employment Type, Company Name, Mode of Salary, Salary Receiving (cash/cheque/net banking), Bank Name, Family Income

Loan Eligibility: Company Name, Company Type, Designation, Official Email, Residence Type

Disclaimer & Permission (agreeing to the terms and conditions)

Submit Loan Application

With such an easy and step by step flow of the short-term loan apps, fortunately, it has become easier for the users to apply for the loans for the shorter time duration.

However, with the availability of multiple different fintech apps on Play Store/App Store, there are some challenges associated with it. On the other hand, when it comes to offline apps, an advertiser requires a campaign tracking tool. Therein, enters the AdGyde Mobile Measurement Tool which measures the app metrics in real-time both online and offline measuring the performance and effectiveness of the campaign.

Attribution & Analytics for Fintech

Mobile App Marketers always need an attribution and analytics platform to measure all the granular app insights and associated parameters based on the user’s activities and behaviour.

Therefore, in the fintech vertical both attribution and analytics are essential to gather data based on the different stages and activities happening inside an app. Hence, AdGyde holistically measures the app insights making it convenient and comprehensive for advertisers, app marketers, product owners, etc.

Owning a Fintech App, there seems a lot of activities such as Loan Disbursement, Credit Score Checking, etc which are primary parameters that need to be measured. Therefore, to analyse all such parameters, it tracks and measures the same with its prominent Event Tracking System wherein, what events have been triggered by the users could be easily determined. Also, while discovering the triggered events, it analyses the conversion funnel indicating the flow of the users triggering different events.

Alongside this, if a campaign of any fintech app has been propagated by different affiliates then, it analyses the nature of the install either genuine or fraud with its premium Fraud Detection Mechanism. Hence, AdGyde allows the advertisers in knowing and understanding the app insights such as tracking of installs originating from different locations in real-time (via online and offline campaigns), segregation of the users based on their age and gender, what paths do a user follow inside the app to determine the most and least preferred screens within the app also called User Flow and much more.

Hence, for a product owner of any fintech app, it caters to your needs with all its prominent solutions making you apprehend the user’s behaviour with your app and other associated parameters in real-time.

[skillbox-uk-blog]

Are You an Adrenaline Junkie? Well, Freelancing Might be The Next Best Thing!

Wow, can you really be an adrenaline junkie and freelance? Crazy, right? Listen up! Freelancing opens many doors to wide-scale opportunities and is proven to create a career path on a full-time basis. In this article, Let’s plough through the mist of full-time work and explore the fundamentals of making your freelance career a complete success. Earning money is the end game, how do we get there? Read on to explore more.

The power of freelancing is in your hands — it’s time to make the career decision and apply yourself.

# 1. Select a Niche

New to freelancing? You might be willing to take on any paid work that is presented to you, but is this right for your career? Well, yes and no you firstly need to distinguish the quality of work that should be delivered as you have to remember you are representing yourself and later on your name might become the brand. Also, look at the time scale, how many jobs can you realistically handle and are the potential earnings going to cover your expenditure.

As you get deeper into your career, you may want to think more strategically about the type of freelance work you complete and the clients you connect with. Understanding why you should be selective with your clients is an art in itself and can increase your revenue substantially.

Okay, what you need to know is when you specialise you automatically become an expert in a specific field, sounds easy right? It can be if you know your particular skill extremely well and master it in a direction that has high footfall and a skill that is required. Experts can charge more for their services “bit cheeky”, but this is generally how it works.

Choosing your niche early on in your freelance career will enable you to focus on specialising and retaining clients time and time again. Your expertise and focus on a particular niche will form a stronger connection between your brand and your broader audience.

# 2. Simplify the service that you are offering

A decision you will have to make early on in your freelance career is the do’s and don’ts of freelancing. More specifically, what services you should be offering and the ones to stay away from. This will help you protect the brand and control potential client misconceptions of your primary objectives when it relates to the service you are providing.

Getting this right will allow you to expand on your service and build a strengthened portfolio in the direction you intend to move forward. Another freelance tip is to utilise customisable offers to form a user-friendly experience for your clients and allow them to offer short term or long-term work. Having a choice immediately creates fewer barriers for a client and opens the doors to a free-flowing workload.

It’s crucial to mention while you still have the adrenaline to progress as a freelance professional, taking on work that is going to advance your career further is critical at this stage meaning you will achieve your ultimate goal a lot sooner in the field you specialise in, causing fewer distractions and delays while moving towards meaningful progress.

# 3. Who is your ideal client?

Wait a minute, are you looking for your ideal client right away?! Before you do this create a clear picture of who you will find it best to work with. How do you want to present your work, and what is your forte? Present clients with defined goals and objectives. Are you providing services for small businesses, high growth start-ups or enterprise sized companies? Make a clear distinction and actively direct your pitch at the clients you need to focus on for present and future growth.

Ask yourself the following questions to not only define yourself but the clients you wish to work for:

What problems will I be solving with my proposition?

Will I be affordable to that particular market segment?

Are the demographics right and, how do I pinpoint my ideal clients?

Being engaged with start-ups and working on projects that are linked to your niche can lead to proactively narrowing down your client pool and focusing on the projects that matter to your brand. These instant relations will give you confidence in your work, allowing you to replicate results frequently.

Finding your niche and making yourself known in the freelance arena will make you stand out above the rest and drive your freelance business in the right direction.

# 4. Be featured on a freelance platform

Having an outstanding profile on a freelance platform will not only boost your productivity into oblivion it will generate your sale upon sale if used in the right way. If you want to be taken seriously as a freelancer, you will need a location for clients to visit your portfolio online:

Showcase your expertise.

Provide a client with your past experiences.

Demonstrate who you are as an individual.

Add information for clients to contact you quickly.

A manicured portfolio will show to clients that you mean business and have a professional brand associated with your name giving people a reason to select your account over many others. You will soon have your first paying client in no time!

# 5. Build upon your freelancing career before you quit your day job

Did you know there are freelance secrets? Yes, it’s true! You need to tiptoe carefully when you look at the freelance option.

In addition to creating that outstanding portfolio to be recognised in the marketplace, building your brand naturally takes time, it’s a great idea to have a steady follow of clients before you go all out self-employed and run the risk of limited income.

Best practice would be to grow your side income to around 50% of your annual salary before pursuing freelancing full time this will not only protect you financially; however, it will take the stress out of the transition.

Be prepared for a tight schedule, heavy workload and being responsible for deliverables with time limits attached when going freelance, you will learn quickly what it is to be an entrepreneur.

Having the backing of your current job will enable you to be selective over your clients that being the ideal scenario as this will allow you to focus on your freelance brand and create a stronghold in your niche.

# 6. Upskill yourself

Clients are likely to want a specific skill; will you be able to offer it? Having an impressive skill set that is in high demand will mean you are on to a winner!

Practice makes perfect, especially when your valuable skills are at stake. Building upon existing skills and setting a foundation for learning new skills will make you far more employable.

Highly trained freelancers are generally paid more all you need to do is a bit of market research. This doesn’t mean you have to head back to university for a degree, all that is required is short courses, and many of these can be found online which are completed from the comfort of your own home.

# 7. Setting the foundations with credibility

There are numerous ways to build upon your credibility within your industry. You can blog about the skills you offer to the public or release high-quality content in the form of social media advertisements. Writing an e-book would give potential clients an in-depth analysis of how you started your career and where your field of expertise lay. A popular way to obtain recognition is to create online courses these can be presented on channels such as Skillbox and YouTube.

Each activity that you spend time on will allow you to add your achievements to your portfolio, increasing your evermore growing experience. Demonstrating your knowledge in this way will highlight to potential clients that you are versatile. Broadcast your message as a freelancer and find influences to help you along the way.

# 8. Price to impress

When deciding how much to charge for your freelance services, it is essential to determine the initial value of your self-proclaimed skills. Make sure you are charging enough to make it a sustainable solution and allow yourself a comfortable living. Giving your client an outstanding first impression will demonstrate that you deliver to a high standard and will potentially retain a profitable customer base.

Consider the value that you will be adding to a client’s wish list before submitting your prices, don’t undercharge as this may mean you do not meet your financial needs. Instead, charge a fair rate and do your research into what other freelancers are charging in the marketplace to arrive at the original figure. You can always increase your rate over time; however, firstly you need to lure clients into your net and deliver work that would make a client think they will use you again for future projects.

# 9. Networking is the key to success

An effective way to market yourself is to network whether it be at an event, meetup or simply conversing with people at a bar. Gaining a strong following will get your brand out there and make it easier for you to succeed in an ever more competitive market.

Friends can help with your networking efforts invite them along to events and let them help you with referrals as potential mutual contacts could be awaiting a freelancer like you, and you may even land higher-paying work.

Do your homework on companies before you make that B-line, it is essential to know what you are talking about and how best to introduce your service. Give yourself 10–15 minutes to do the necessary research and find out if you have any mutual connections on any of the social media channels as this could influence their decision to work with you as a trusted partner.

Having connections allows you to be introduced from many angles even if it is a simple e-mail in the form of a recommendation or a quick coffee with your friend and a potential client to get the ball rolling. The social element is critical, who knows you may get a better response rate leading to an increased chance of work.

# 10. Pitching for the win

Get to the point fast! Pitching is an art, and when it relates to your freelance services, this can make the difference between getting a job or not. Find online courses on how to best pitch for freelance jobs and get a better understanding of the critical points to make your introduction a success.

Craft an impressive proposal to land new clients, that is not all you will depend on as it is down to you how jobs are selected and the value of your proposition resulting in a quick win or a substantial loss.

Freelancers win new gigs based on the time put into a proposal and determining a client’s needs. Value is a significant factor in the sale of your service, however, in the world of freelancing your success may depend upon the strength of your client relationship and the bond you can create for a meaningful partnership.

Don’t forget to check out Skillbox a freelance marketplace to get your career off to a great start! You’ll find even more information around freelancing in our blog.

Freelancing

Freelance

Skillbox

Nomad

Entrepreneur

Skillbox is an online marketplace that brings together consumers, freelancers and organisations offering an open and transparent platform www.skillbox.co.uk

[bestmarbleworld-blog]

How To Start a Marble, Granite & Natural Stone Business  – Guidance from The BHANDARI MARBLE WORLD

How To Start a Marble, Granite & Natural Stone Business  – Guidance from The BHANDARI MARBLE WORLD

Many of us launching an online Marble Granite & Natural stone business a few of them know the secret recipe to make it big with their expertise and talent.

Schools might teach you to be creative and excel in your field, but to be successful as a business you need to have some entrepreneurial tactics that no school will teach you precisely (as a separate subject). As a result, a Marble Granite Business might tell you about the quality of the marble granite, the fit, or the designs that will enhance the overall appearance of your interior, but when it comes to starting a business, everyone has a question – how?

After all the lucrative online business ideas I have discussed in my previous couple of blogs, I am dedicating yet another blog on how to start a Marble Granite business with some amount of Investment? Stay tuned to know what you can do after investing your amount in this line.

PS: Do you need a lot of capital to start your online marble granite business? Well, no, you just need to have an online store which is more feasible than owning a physical store, paying rents, paying for inventories, and staff salaries.

Title Tags

Skill Set Required to Start a Marble Granite Business

Create A Business Plan for Your Marble Granite Business

Keeping Up With The Trends 2021

Turn Your Passion Into A Marble Brand

Sources of Inspiration For Your Collection

Tools for website Design and Development

Raw material Manufacturing and Production Houses

When Is The Right Time To Launch A Collection?

Wholesale and Consignments

How Can You Start marble granite line – Online?

An Online Business Store VS Third-Party Shopping Portals

End Note

Start A Marble & Granite – FAQs

Skill Set Required to Start A Marble Business Line

Some of the well-known names in the Marble industry like RK Marble and Bhandari Marble Group self-made stars in their respective fields. They had no access to specialized training or the internet and still were able to make it big with their ever-increasing passion and “the will” to achieve the ultimate goal. We are fortunate enough to get training from certified Marble  institutes and if not that we have internet access through which the world shares and learns.

Though your school grades have nothing to do with your online business, learning skills in a classroom helps you keep a foundation of your talent which you can feed with a professional degree later. Moreover, the specialized courses you join enhances your talent, provide a platform for you to experiment, and teach you the technical know-how that is certainly required to sustain and grow in the business.

BUT it is not enough…

You need to know the co-operate world to start a Marble Granite line. Most of your knowledge will be gained with practical applications in the co-operate world (you can start with working for a brand) where you need to estimate how your products are selling in the market. Most of the designers work for their passion but dealing with the corporate world gives them the idea of how to represent and run a brand?

Quick Links to Write-ups on Amazing Online Business Ideas related to segment:

How to start your Selling Business with low investment?

Start Your Own Marble & Granite Business.

Know How Can You Start Your Own Online Store?

Know how much does it cost to build an e-commerce website for your online business?

How to create a Brand Style Guide?

Social Media Marketing is deeply linked to Marble Industry.

Create A Business Plan for Your Marble Granite Line

Applicable but not limited to a business line, the very first step to start a successful business is to own a strong business idea and make a business plan revolving around the idea. Once you step into the co-operate world you will come to know that starting a Marble Granite & Natural Stone brand requires the same considerations as any other business – like market research, competition study, target audience research, demand analysis, sorting production, legal, financial, and distribution aspects.

When you thought of starting a business you might have thought of the fundings simultaneously. You may have the funding to start your business, or are seeking fundings from the investors – either way, you need a full-fledged business plan having all the aspects of your business. Business is a must for start-ups seeking investments as they need a strong pitch to convince investors to invest in their start-ups. Know what you need to incorporate to make it a perfect business plan for investors? You need a full-fledged business plan even if you are seeking a loan from the bank.

Keeping Up with The Trends 2021

The early days are struggling for most of the designers and entrepreneurs – as one needs to work day in and day out to start a Marble Granite Business line / a brand and then too cannot guarantee immediate profits.

A Business  school will teach you the basics of everything you need to find your own strong suit and build yourself from there by simultaneously keeping up with the trends of the business industry. Sticking to a proper niche while collection is a must but you cannot afford to limit yourself to a particular niche when it comes to knowing your business industry and trends. You need to be versatile with the current trends in the business industry.

Turn Your Passion Into A Brand

Not a business but it takes a lot to start a brand. The brand incorporates everything from signature niche to logo designing, brand values, beliefs, goals, website design, photography, and your brand’s story. Your business sustainability and growth depend on how strong and far-fetched your brand is.

Establish your authority as a brand owning an exclusive logo and branding, an online shopping portal, and use social media optimization to build a lifestyle for your brand, popularize it and influence your target audience. Tell your brand’s story to the world, induce your brand to your own personality so that you are carrying your brand wherever you go. Be deliberate with every content you post on the social media as consistency and appearance is the only key to success.

Here are the tips to plan a creative logo right from the desks of Verve logic – a professional logo design company with years of experience. Also, know how you can set up your online store from scratch?

Sources Of Inspiration for Your Collection

A year, two, or ten, no matter how much time you have spent in the industry you need the inspiration to prevent yourself from hitting a blank wall. Every person in the industry (as a student, newbie, or professional), needs inspiration for your collection. Get inspired and updated for your collection from publications, follow style influencers, subscribe to newsletters and podcasts. Try to incorporate the recent trend in your collection before the trend fades away.

Go through various materials and bookmark the art that has really inspired you by adding to Pinterest boards, saving the content in your phone gallery, or pin them over the web so that you could find them easily as and when you need them. With your inspiration in front of your eyes, you can keep yourself motivated and carry on with the production of innovative ideas for your collection. No matter what is your inspiration for your collection, hold on to your niche and keep in mind the exclusivity of your signature brand.

Tools for Design and Development

For Example, most of the designers still believe in the power of sketchbooks, like Sarah, no matter which advanced technology tries to replace the usage of sketchbooks – it will still remain the most important canvas for designers to jot down their ideas. “I Take My Notebook Everywhere with Me”, says Sarah. “As I am sketching away, I am very often like oh this little drawing would really translate into a repeat design”.

While a sketchbook remains a classic for designers, they are simultaneously embracing the technology for doodling and translations. Doodle is the very first step to a refined design.

Added By Expert Team of Bhandari Marble World…9784593721

[rootindiahealthcare]

Why OPD expense still at a nascent stage?

Overview The innovative health care segment has seen the emergence of several new concepts. It is including primary care as an integrated part of the health scheme offerings. Root India Healthcare, one of the youngest players in the domain. They bet on the philosophy of keeping the customer healthy and rewarding physically active customers with a 100% benefits payback. The basic idea is to move customers from ‘insurance’ to ‘primary care’, says its CEO Sunita Singh Chhabriyal. Health insurance still ranks low on priority in the overall financial planning for most. What is the deterrent?

Low Demand The health insurance industry is experiencing robust growth over the past few years. As per IRDAI annual reports, health insurance market continues to grow over 20 percent year-on-year during the past three financial years. Yet, India still has a low non-life insurance penetration (ratio of premium to GDP) of 0.93 percent. Less Awareness However, with increasing medical inflation and financial distress due to hospitalization. Also awareness of health insurance has increased significantly over the last few years. Customers have started asking for adequate coverage in the urban areas. IRDAI’s standardization guidelines have also made the scope and coverages under insurance policies easy to understand for the end customer. Moreover, with the introduction of schemes like Ayushman Bharat, both accessibility and affordability of health insurance. This would be greatly increase in the coming years to a segment of the population.Whereas, health insurance had still not become a major focus point of overall financial planning. Health insurance is still looked up as covering hospitalization. How do you change that with your plan that is targeting primary care o OPD care? OPD Coverage Scope Health insurance in India and worldwide has predominantly evolved as a product for indemnification against hospitalization expenses. This is the primary intent of any indemnification-based health insurance product. We have been a pioneer in bringing in the concept of OPD Healthcare as an integrated part of primary care offerings. We have incentivized the customer in forming such healthy habits to take care of their health and, in turn, use such incentives to reduce premium payments and make other medical payments. Such kind of a structure also motivates the youth to buy insurance as generally, younger population view health insurance as an unnecessary expenditure. What can be done about providing OPD expenses with their unwanted visits? OPD (Out Patient Department) expenses as part of out of pocket savings are at a nascent stage of development in India. There are only players offering such cover in some of their products. The market is slowly evolving, and the industry is coming up with innovative products covering OPD expenses including coverage for doctor visits, pharmacy bills, and medical tests. Standardization of medical diagnostic expenses and pharmacy expenses, increase of distribution network by insurance firms to cover a large number of doctors and making the fragmented OPD ecosystem into a well regulated and standardized entity across each city and town would go a long way to ensure uptake of OPD products by the customers. How does play Root India OPD plans? First of all, All opd plans are applicable to their existing doctor or specialist hence there is no rule to follow a lengthy process to book an appointment with new or unknown doctors. Root India products are providing coverage through its opd plan with single philosophy "any Doctor, Any disease", there are many benefits like pre-existing without waiting period. For salaried people covered under an employer corporate group health insurance plan, they may go for additional OPD health plan to cover their such expense which generally insurance policy never does. We are also open for the corporate plan to initiate as group OPD plans. OPD Gateway For instance, These opd healthcare plans can seem little comparative with an insurance premium, but very much cost effective for their any disease. You may call it the platform of planet fitness. One should note that claims under OPD Healthcare are payable on doctor visits only. Hence it's not applicable on a non-covering class and or hospitalization basis. Hence, it is advisable for everyone to have a clear picture before placing the claim request. What is the kind of tax incentive available for OPD Healthcare products and how beneficial is that? OPD Health plans should not be looked only through the lens of tax savings. Protection from unwanted doctor visits expense, which leads out of the pocket expense. Adequacy of coverage should be the primary deciding factor for health. However, tax incentives should only be of secondary consideration. However, the government is trying to popularise healthcare penetration in India through such tax incentives. Below is the current structure for deductions applicable under Section 80D of the Income Tax Act. Depending on the tax rates applicable to the individual, substantial savings can be made via deductions on healthcare premium. Read the full article

[assetstream-blog]

How can Borrowing Money Help Develop Small Businesses

Borrowing has become a huge fright for many people following the financial crisis of 2008. However, there are ways to borrow successfully and boost your small business. In fact, the National Small Business Association has released research, which reveals that 69% of all small business owners in the US turned to loans, credit cards or crowdfunding for additional financing.

What are the benefits of small business loans?

While many small business owners believe that taking a loan will be the end of their enterprise, this is not generally the truth. Credit products, designed for small businesses, offer tremendous flexibility, which intends to help business owners with repaying their loans. Emerging platforms like AssetStream also introduce innovative approaches to small business loans like micro-financing based on blockchain, which can help boost the credit history of enterprises.

Funding, acquired through business loans, can help you improve numerous segments of your enterprise. You will be able to boost the morale of your employees by increasing salaries or focus on expanding your team by hiring new members. You will also get the chance to renew your equipment and material base, or at least complete repairs when necessary.

Additional funding will also allow you to focus more on the marketing and promotion of your services so that you can reach a wider customer base. All of these segments of business organization are important for the growth of an enterprise, which is why a small business loan can help you develop.

What is the main use case of the AssetStream platform

The main use of this upcoming platform is connecting lenders and borrowers to achieve their respective goals. It’s like a Grab or Uber or a Lyft- whereby connecting passengers and drivers. To be a borrower, one needs to comply with the requirements (such as Registered Capital Business & Financial statements) stated by the platform. Since it will initially cater to businesses, a borrower needs to have an existing business.

The borrower should pass a stringent KYC, due diligence procedure and a credit review process. Lenders, on the other hand, will lend money through AssetStream’s own version of token — AST Token which can be purchased via Fiat or Crypto during the token sale. This token will be presented by the borrower to AssetStream’s local agency partners in exchange for fiat (borrower’s loan amount).

What is the Process of applying for a Loan?

Here is the step-by-step guide:

Go to a website, AssetStream.co, and register for an account.

Verify your email and upload basic documents and requirements for a business loan.

Upload the project video and project document.

Key in loan terms (rate, tenure and amount).

Find a local agency to participate in the loan.

Once you find the agency, you need to have a minimum amount of votes (based on the amount of money you want to borrow).

If you don’t have the minimum amount of votes, the project will move to the fundraising phase.

If matched, you will receive a LOAN CERTIFICATE which you will present to the local agency that participates in your project. Once the softcap is reached, you can present the LOAN CERTIFICATE and withdraw the first part of the loan in the local currency in the local agency. If the softcap is not reached, the project will be declined.

If you do not have enough community votes and cannot reach your softcap before the start date of your project, the project is canceled/rejected and the best advice is to adjust the interest rate and/or loan amount.

Take a small business loan to grow

Funding is one of the main aspects of business growth, regardless of the size and history of the enterprise. This is why many companies turn to business credits, in order to make the transition from a small enterprise to medium or even larger operation.

While you may still go through tight spots, once your business activities pick up, profits will eventually come in and the loan can be repaid quickly.

Loans are the most accessible way to fund the expansion of your business and you should not be afraid to use them. With the right amount of consideration and planning, you will be safe from falling behind with payments, while using the additional funds to enhance your business and help it grow.

1.7 Billion Adults Globally Need P2P Microfinancing. High Yields With Controllable Risk On the Blockchain Token Sale Starts May 27th. Join Now AssetStream.co

[prannoykarmokar-blog]

Best career option after class 12th?

  Choosing a career these days has become a very hectic task, due to many range of available career options & we are probably thankful of it too! Well before you can choose the right career, you must learn about yourself. Your values, interests, soft skills, and aptitudes, in combination with your personality type, make some occupations a good fit for you and others completely inappropriate. Some people choose to work with a career counselor or other career development professionals who can help them navigate this process.

What makes us difficult to choose our career is the available of multiple career options in front of you at this present time.

Make a shortlist of available options :

Look for careers that appear on multiple lists and copy them onto a blank page. Title it "Careers to Explore."

Those must be the occupations in which you may feel good at it or perhaps comfortable. One thing to remember is that don't get influenced by others to shortlist any of the occupation which you yourself don't find good to do, so keep it as honest as possible.

 Explore the career options on Your List :

Now next thing to do is to collect information about those career options you had chosen. Find job descriptions and educational, training and licensing requirements in published sources. Find data about earnings and job outlook.

 Identify Your Goals :

Identify your long- and short-term goals. Doing this will allow you to eventually work in your chosen field. Long-term goals typically take about three to five years to reach, while you can usually fulfill a short-term goal in six months to three years. Short-term goals include applying to college, apprenticeships, or other training programs, and doing internships. Long term goals may vary from person to person according to their beliefs.

 Create a "Short List" :

Based on what you learned from your research so far, begin eliminating the careers you don't want to pursue any further. Choose only promising career options whom seem to be lucrative & gives job satisfaction. You should end up with fewer than two to five occupations on your "short list." You should end up with fewer than two to five occupations on your "short list." Get rid of any occupation if you are unable to or unwilling to fulfill the educational or other requirements, or if you lack some of the soft skills necessary to succeed in it.

 Make Your Career Choice now :

Now you are probably ready to make your choice. Pick the occupation that you think will bring you the most satisfaction based on all the information you have gathered. Though many people change their careers mid-life so make sure you get into such career option which may help you switch your career option into others with ease such as Digital Marketing, as it is most trending as well as well-paying industry that is slated to grow leaps & bounds in years to come.

Apart that there are many conventional career options like :

 Bachelor of Commerce -

Majority of students whom are unsure about what to do further land up into commerce field as it further gives one upper hand when applying for banking jobs or financial analyists but again here growth takes much time to happen.

 Bachelor of Science -

Taking science certainly opens up vast arena of jobs such as engineering, medicine or even scientists, but steer clear, sailing in science ship is certainly toughest so one requires ample amount of patience as well as hard work to succeed.

 Bachelor of Arts -

This is one of the creative field but students landing here may find tough to find jobs after their graduation, as many people try for govt jobs & usually do another skill development course to find a decent jobs.

 Apart all these of to me Digital Marketing seems to be most promising of all due to various reasons :

1) Digital marketing has been hot topic in the Indian job market. It is expected that this industry is slated to generate more than 20 lakhs jobs by the year 2020 in India, therefore its booming industry & is definitely promising.

 2) With rise of penetration of internet in India more people are in touch with online world be it over Facebook or Instagram or even Google, so as an entrepreneur your reach is much more than before & it's destined to grow more & more.

 3) Global IT giants like Google & Facebook are planning to set up their campus in Indian cities as govt of India is very keen on their mission of Digital India.

 4) Every company whether it is big or small they are all keen to have their presence online. They are looking for people whom devise & expedite marketing strategies on these online platforms to suit their demand. Developing skills in this area will give you a unique competitive advantage. There will be no dearth of jobs for such in demand professionals.

 5) As per the basics of economics when the demand exceeds supply, the price increases. As the digital marketing skill set is not easily available in the market, people having experience in this field command a high salary package, also companies are willing to pay a premium for experienced and certified professionals who know their job inside out.

 6) To become a digital marketing expert, one does not need an engineering degree or a technical background. Students from any stream can take a course in digital marketing to understand its basics & excel in this field.

 7) There are several segments within this versatile field. One can choose any one as per the interest and learn it extensively to excel in any one or more of niches. But before that you need to get trained as a certified Digital Marketing professional through a good & reliable Digital marketing institute, which will not only be providing excellent learning experience but also providing 100% job guarantee which no other such institutes offer!

 8) After you are placed in a company you are set to grow along with rapid rise in your salary package, like a fresher whom is undergraduate can command anything around 2 lakhs per annum & more, later after 5 years of experience you can easily command over 7 – 10 lakhs too!

 9) Most importantly Digital Marketing is very affordable course to do compared to other professional course and the good news is that you get to receive return on your investment into this program as you can attain better job prospects or convert your skills into a business idea. Digital marketing is cost effective as compared to other traditional marketing media tools. In addition, a digital marketing campaign can be stopped at any given point of time unlike the traditional marketing styles.

  It isn’t just the old conventional career paths that are rewarding and highly paying. There are numerous benefits of venturing into this new age field of digital marketing & most important thing is even a 12th pass out can also become a certified Digital Marketer, where growth is at rocket speed! For further guidance you may see various Digital Marketing courses & feel free to ask your queries.

[falconridgegrp-blog]

Survey – Canadian home prices see healthy gains in the fourth quarter

TORONTO, Jan. 11, 2019 /CNW/ – According to the Royal LePage House Price Survey1 released today, year-over-year home prices made healthy gains in many regions across Canada in the fourth quarter of 2018, continuing the recovery from the most significant housing correction since the financial crisis. Once again, the Greater Montreal Area saw the highest year-over-year home price appreciation rate of the three largest Canadian metropolitan areas studied.

The Royal LePage National House Price Composite2, compiled from proprietary property data in 63 of the nation's largest real estate markets, showed that the price of a home in Canada increased 4.0 per cent year-over-year to $631,223 in the fourth quarter of 2018. When broken out by housing type, the median price of a two-storey home rose 3.9 per cent year-over-year to $745,007, while the median price of a bungalow climbed 1.5 per cent to $516,950. Condominiums continued to see the highest rate of appreciation nationally when compared to the detached segment, rising 7.2 per cent year-over-year to $447,915.

Royal LePage projected modest home price appreciation in 2019 in its recent forecast, expecting the aggregate price of a home in Canada to rise 1.2 per cent in Canada over the next year.

“The invisible hand that guides our complex economy hit the real estate reset button in 2018 and that is a good thing,” said Phil Soper, president and CEO, Royal LePage. “Major market home price inflation through much of the decade had led to dangerous overheating in our most populous regions. Government regulatory intervention and rising interest rates, when combined with property price overshooting, triggered the correctional cycle we find ourselves working through today.”

On January 9th, the Bank of Canada decided to maintain its target for the overnight rate and reduced its forecast for annual GDP growth from 2.1 per cent to 1.7 per cent.

“While some economists are adjusting their forecast for the economy as a whole, Canada's real estate market is beginning to emerge from the correction that began a year ago. The national real estate market is stable and should see modest price gains by the end of the 2019,” said Soper.

The Canadian economy is performing well overall, with pockets of uncertainty. Persistently weak oil prices driven by domestic market access bottlenecks and global supply gluts have hit Western Canada hard, and trade tensions between China and the U.S. in particular are impacting consumer confidence across the continent.

“House prices and home sales volumes were soft and slow last year; expect modestly better results in 2019,” said Soper. “That said, the underlying Canadian economy, and employment in particular, continues to impress. Job creation is beating expectations handily. The unemployment rate of 5.6 per cent is a 43-year low.

“A silver lining in this cloud of uncertainty is the opportunity for young families to enter the market,” Soper continued.

The unemployment rate is about half of where it was during the financial crisis. It is also important to note that actual retail-market rates for a five year fixed term mortgage, the most popular offering in Canada, sit at approximately 3.5 per cent today versus approximately 5.9 per cent a decade ago; a full forty per cent lower.3

“Employment is high, rates are low, and home prices are essentially flat. 2019 is shaping up to be a year of rare opportunities,” Soper concluded.

Tight rental markets, record levels of immigration, and a wave of Millennials looking to buy their first homes are putting pressure on limited housing stock in many of Canada's metropolitan regions.

“Despite the price corrections and low sales activity we saw in 2018, it is important that policymakers don't take their eye off the ball when it comes to housing supply. That would be a huge mistake,” added Soper. “In down markets, construction tends to slow, exasperating our housing shortage problems. From there it is simple supply and demand; if we don't build more homes, we risk another housing crisis and a return to runaway prices in our major markets.”

During the fourth quarter, buyers in Ontario continued to look beyond the GTA in search of affordability. Despite some price relief in the suburbs surrounding Toronto, buyers from the region are still venturing out to other Southern Ontariocities where price points are significantly lower.

Of the regions studied in the Royal LePage National House Price Composite, Windsor and Kingston saw the highest appreciation rates in Ontario, rising 14.7 and 13.8 per cent year-over-year, respectively. Meanwhile, regions including Ottawa, Kitchener/Waterloo/Cambridge, and London saw strong aggregate price gains of 9.3 per cent, 9.0 per cent, and 8.9 per cent, respectively.

The GTA was a story of contrasts. The City of Toronto experienced a strong rebound in the fourth quarter, while the surrounding areas remained relatively weak year-over-year. Prices in Toronto saw sizable increases, rising 8.8 per cent compared to 3.4 per cent gains for the GTA more broadly. Some of the surrounding suburbs, which saw rapid price increases in recent years, continued to slow, with declines in areas like Markham, Pickering, and Richmond Hill of 7.1 per cent, 5.6 per cent, and 4.9 per cent, respectively.

“The market correction in the suburbs of Toronto has been more significant than elsewhere in the country, because price increases in recent years were more extreme,” said Soper. “Even as prices in the core of the nation's largest city begin to rise again, we expect prices in the region known as the '905' to remain soft, providing new families with an unexpected entry opportunity into some of the most sought-after communities in southern Ontario.”

In Quebec, the Greater Montreal Area's real estate market continues to set the pace among Canada's largest metropolitans, supported by continued high demand, healthy household income and population growth. Despite positive economic fundamentals, price appreciation for real estate in most of the province's regions outside of the GMA still continue to be dampened by worker shortages as small businesses struggle to attract workers to their communities. On the other hand, worker shortages tend to put upward pressure on salaries, which could improve affordability.

In the fourth quarter, the aggregate price of a home in the Greater Montreal Area passed the $400,000 mark, rising to $407,230, an increase of 4.1 per cent from the same period last year. This represents a higher rate of appreciation than that seen in both the GTA and Greater Vancouver, and above the national aggregate percentage increase. During this period, the median price of a two-storey home in the Greater Montreal Area rose 3.5 per cent year-over-year to $517,190, after surpassing the half-million-dollar mark for the first time in the third quarter. The condominium market in the area continued its solid performance this quarter compared to last year, rising 4.9 per cent to $328,254.

British Columbia has been an economic outperformer in recent years, but economists are beginning to forecast slowing growth because of the cooling housing market. The relative unaffordability of major markets and the implementation of mortgage stress tests and provincial tax policies have dampened price growth in the province. Home price appreciation in Greater Vancouver grew at a modest pace rising 2.1 per cent in the fourth quarter from the year before, to an aggregate price of $1,274,831. More affordable suburbs like Langley,��Surrey, and Coquitlam that had seen double digit price growth in previous quarters grew at a more modest pace rising 2.4 per cent, 2.3 per cent, and 0.4 per cent respectively.

Despite weak oil prices and uncertainty in the energy industry, all cities studied in Alberta posted year-over-year price increases, with the exception of Fort McMurray, which saw a 9.4 per cent decline. The aggregate price of a home in Calgary and Edmonton rose 1.3 per cent and 1.6 per cent, respectively, to $484,462 and $385,550.

Saskatchewan's housing market was negatively affected by the weakness in the natural resources sector in the fourth quarter. The aggregate home price in Regina increased 0.1 per cent year-over-year, while the aggregate home price in Saskatoon decreased 1.7 per cent year-over-year. This represents a quarter-over-quarter decrease of 1.9 per cent and 0.5 per cent, respectively.

Atlantic Canada remained strong, posting some of the largest price gains in the country in the fourth quarter. Monctonand Charlottetown posted the highest home price growth in the region, rising 12.6 per cent and 7.1 per cent, respectively, year-over-year. St. John's was notably weak, with prices falling 2.6 per cent from the year before. https://constructionlinks.ca/news/survey-canadian-home-prices-see-healthy-gains-fourth-quarter/ Established in 2003, Construction Links Network is a peer-to-peer network sharing platform for the construction, building and design community. This one-of-a-kind platform provides the tools necessary to source and distribute the latest news, videos, events and innovative products / services the industry has to offer which helps our members plan, design and build great projects around the world. #construction #building #architecture #engineer #safety #realestate #environment

[maritzaerwin]

14 Best Career Options after Graduation

There were days when MBA used to one prime choice of career options after graduation.

With the gradual advancement of technology and education thankfully the job-scape has more options than you could ever dream of.

After graduation, a student becomes a mixed bag of emotions. Amidst the other feelings, there are a couple of reflexes that keep on play in the back of the mind. 1. The joy of crossing a prime milestone of academic life. 2. What next?

Let us tell you in today’s time there is absolutely no reason to worry. There are plenty of career options after graduation that you can pursue as per your career interest. But before that, you need to go through introspection to figure out your exact strengths and weaknesses to determine the course of your interest.

Stated below are the career options which you can consider after completing graduation. We hope reading this article will help you in finding the right direction.

Top 14 Career Options That Graduates Can Choose

1. PGDM (Post Graduate Diploma in Management)

Post Graduate Diploma in Management mostly interests graduates who have an interest in working with the corporate sector in the business development domain or setting up their own business.

The PGDM course has more emphasis on practical skill-set considering the latest development in the business world.

Not only this course makes you industry-ready but also grooms you with the best potential to achieve success in your specific business domain.

With this program, you will get trained in various subjects such as marketing, finance, human resource, operations, and information technology. The course duration ranges in 1 to 2 years.

2. Postgraduate Diploma in Human Resource Management

If you are keen on building your career in Human Resource Management and want to learn professional HR disciplines, then this one could be the best choice.

This particular program enables graduates with handling every situation in the corporate sector to maintain proper decorum.

The HR department manages valuable company assets and takes care of employees’ job comfort. The department should be aware of the workflow and the work progress of both the company as well as the employees.

The course includes the basic functions to the pro level of both HR Analytics viz. performance classification and compensation management.

Candidates who hold the PG diploma in Human Resource Management have a better likelihood to be employed as a Recruitment Coordinator, HR manager, and HR adviser.

3. MBA (Master of Business Administration)

Specialized professional courses indeed have better job prospects but specialization in any particular subject can restrict you too.

A degree in MBA after graduation opens many doors of opportunity before you. Be it marketing, finance, human resources, or hospitality, the industry has a steady requirement for MBA people.

The duration of a full-time MBA course is of 2 years based on varied modules available today. The course makes you job-ready and industry-ready.

After completion of the course, it can be said that the industry is yours. The package after completing the course is substantial.

To pursue an MBA, you need to clear exams like GMAT, CAT, and the interview round. MBA transforms you into a complete professional with soft skills like task management, time management, on-point communication, client handling, and much more.

It is said to be one of the top courses to pursue after graduation. But, your pay scale depends on the credibility of the institution which you have done your course from.

4. PGDEMA

Post Graduation Diploma in Event Management and Activation stands for PGDEMA. With so many career opportunities, PGDEMA is another promising career options after graduation.

This course is essentially designed for graduates who love planning and executing events. It might look like one, but organizing an event is not a cakewalk.

Event organizers should have multi-tasking ability and be creatively active at the same time. PGDEMA could be a great career option as there has a considerable growth opportunity in this field with so many big social events take place frequently these days.

Holding a certification in event management gives you many alternatives in diverse fields.

You can complete this course in1 year. After completing the course, you will get a job in reputed event management companies or even you can start your own.

5. PGDHM (Post Graduation Diploma in Hotel Management)

A Post Graduation in Hotel Management is ideal for those who see their future in the hospitality industry.

This is the best career choice to have early promotions. A PG diploma holder in hotel management needs to look after almost every segment of a hotel from the front desk to staff hiring and management.

With its gradual progress, you would also get to work with certain specialized departments such as housekeeping, catering, and culinary, along with others. People with higher skills have always been the prime need of this domain.

To acquire a managerial position a person needs to be skilled and hardworking. Any graduate can enroll in this 1-2 year-long course.

6. Machine Learning

Machine learning and artificial intelligence are going to gain an enormous space in the business world in no time soon. Having a dominating skill-set in this field can result in an envious career option in the coming time.

For Machine Learning an applicant needs to have mathematical, programming, and statistical knowledge.

Machine-learning will cut short human labor in many tasks to a great extent. Some real-life applications we can explore machine learning are Chatbots, Search engine result fine-tuning, Video surveillance, etc.

Possessing relevant skills in this subject will make you grab many job opportunities with high pay packages.

There are all kinds of machine learning courses; both short term ones or long term ones (post-graduation programs) available suited to individual needs.

7. PGDCA (Postgraduate Diploma in Computer Application)

If computer-related subjects match your interest, this is one of the best career options you can have.

Here you would learn about Database management, operating systems, MS Office, HTML, Internet software, and plenty of other subjects.

Computer knowledge can be an extremely desired skill in most fields. You could have many different career options after completing this program.

8. CA (Chartered Accountant) 

If you come from a commerce background then chartered accountancy can be a good career choice for you. It is a prestigious name and also, it has lucrative fiscal advantages. Becoming a Chartered Accountant one has to pass three exams namely CPT, IPCC, and CA Final.

IPCC level has 2 parts. After completing you have to do the articleship under a CA firm for two years. 

After clearing the IPCC exam and completing the articleship, a student can appear for his final exam. The Final Exam consists of 2 parts and after clearing both the parts you will be a successful CA.

The course duration is of 3 years. The salary of a CA can vary from 7-20 lakhs p.a.

CA would be a great career choice as you have numerous options to work like Tax Advisor, Audit Manager, an Investment Consultant, Entrepreneur, and many more.

9. Mobile App Development

As you all know Smartphone users are increasing in number with the passing days owing to the cheapest internet availability.

The shift from traditional to online marketing has made online a favorite spot for buying and selling products/services. People these days tend to buy things or avail services using respective mobile apps. This is the potential field where the best of the creativity joins beast techniques.

App development is a smart career choice for those who find this sector attractive. Pursuing this course can give you a rewarding career as largely services are app-driven at the present era of automation.

 In this course, you will gain comprehensive knowledge in Mobile user interface design, Backend computing, Cross-platform program development, and other related techniques.

After graduation, you can easily pursue this course as it’s one of the most popular ones.

10. Stockbroking

Stockbroking is a good career choice for a graduate in India who is looking for an exciting and challenging career in his or her life. The minimum qualification needed for this career is a graduate degree.

The minimum age to start with the stockbroking business is 21. This industry does not only employ a stockbroker but it also provides various opportunities such as financial planners, financial managers, and others.

If a person truly wishes to be a stockbroker they can opt for post-graduate in economics or trade for a fruitful career in the stock market.

There isn’t specifically any specialized course to be a stockbroker. However, a background in business management, commerce, and economics can be helpful.

11. Civil Services 

For those who have a passion for their country, they can join the civil services. It is one of the most lucrative fields. 

In this field, you get the opportunity to work for the country and its people.

It is one of the amazing opportunities, so why not sit for the examination and prove the world.

12. Digital Marketing 

The field of digital marketing is booming. It is a great career option for graduates who love working on the web.

There is a constant need for digital marketers across varied industries. Businesses need skilled digital marketers who are capable of adding to the profits of businesses. There is more demand than the presence of professional digital marketers in this field. This leads to more opportunities in this domain.

It is expected that digital marketing will be the industry of Rs. 18, 986 cr. by the end of 2020.

Some of the key job roles in this field are Search Engine Experts, Social media managers, PPC specialists, Content marketing manager, etc.

Opting for digital marketing courses will enable you with the advanced skills required in this field.

In the course, you will learn the usage of various tools and techniques used for the virtual platform thereby promoting your business online.

After course completion, you can expect to draw around 3-6 lakhs per annum.

13. Interior Designing 

An interior designer is an individual who needs to break down, design, and sort out projects that make spaces utilized by individuals naturally benevolent and stylishly satisfying. An Interior plan is an alluring career option for anybody with a creative soul.

The minimum educational qualification required is graduation. An interior designer selects the colors, light, and other decorative items for a space to make it beautiful yet functional.

Earning potential within this field largely depends on the work prevalence. To be an interior designer an individual may have to acquire a few certifications and licenses based on their state law.

To begin a career in interior designing a simple understanding of the field and job is needed. This can be learned by opting for an interior designing course.

To build a strong career and earn well a person should gain the maximum amount of technical knowledge as you can in this field by working under an experienced interior designer.

As an interior designer, an individual can earn approximately 50,000 rupees and more per job. As stated earlier the earning capacity increases after a few years of experience and developed skills.

14. M.Tech (Masters of Technology)

M.Tech is suitable for students who have come from a sound technical background and have insights into engineering subjects.

It is said that pursuing M.Tech after your B.Tech is always wise. After M.Tech a candidate has maximum openings across diverse fields in the industry.

A candidate will have openings for a managerial position in the leading companies. Engineers with an M.Tech degree have great market worth. The course provides a sound knowledge of engineering for boosting various technical skills.

The eligibility criteria for pursuing M.Tech is you have to have either of these academic backgrounds- B.Tech/B.E OR MCA. It takes two years to complete the course.

Conclusion

Above stated are a few of the career opportunities that have the highest paying jobs in India and you can choose the field you desire.

There are two aspects of any job. Either the job can be technical or creative. If you don’t want to work on the technical side you can always go for creative career opportunities. 

You can become a singer, a painter, a writer and so much more. There are endless opportunities. It only concludes with what field interests you.

Choose from the career options stated above that can make you successful in the future. 

In case you have any queries, ask us in the comments section below.

The post 14 Best Career Options after Graduation appeared first on CareerMetis.com.

14 Best Career Options after Graduation published first on https://skillsireweb.tumblr.com/

[cathrynstreich]

iBuyers Begin to Lift Coronavirus-Related Holds on Business

The coronavirus pandemic has shaken up the industry over the last few months, and the majority of iBuyers have not escaped unscathed. Several of the largest iBuyers out there have paused business in response to the pandemic-caused slowdown of buyer and seller activity, as well as public health concerns. But now that states are starting to open back up, and the latest National Association of REALTORS® flash survey says sellers and buyers are ready to get back out there, what does that mean for the iBuyer business?

Here’s how each major iBuyer has fared these last couple of months, along with the recent changes they’ve implemented as coronavirus infections slow and states begin to reopen:

Zillow Offers

On March 23, Zillow announced it would be pausing home-buying in all 24 markets where Zillow Offers currently operates. Currently, their website states the temporary pause still stands.

However, in the company’s May letter to shareholders, CEO Rich Barton said they are “actively planning to restart Zillow Offers home-buying, likely within the next few weeks.”

There are several factors that influence timing, according to the letter:

– Health and safety of employees, customers and partners – Local orders and public health concerns – Local housing market factors – Confidence in their ability to consistently price and transact

Before pausing home-buying, Zillow Offers generated nearly $770 million in revenue from January through most of March—a 498.7 percent increase from 2019. The company had purchased 1,479 homes in those three months, selling 2,394 homes and ending the period with a surplus of 1,791 properties.

“While buyers and sellers retreated in mid-March as cities, counties and states began to shelter-in-place and close non-essential services, we are now seeing buyer demand return in markets across the country,” Barton said in the letter. “On Zillow, traffic and requests to connect to real estate returned to pre-COVID 19 levels in late April. At the same time, we’re seeing a rise in pending sales and new listings are edging up, indicating sidelined sellers are inching their way back into the market.”

RedfinNow

Over the last couple of months, Redfin has struggled financially due to the coronavirus. The company’s ibuyer segment, RedfinNow, paused all home-buying in March. And in April, Redfin laid off 7 percent of its staff and furloughed 41 percent of its agents due to a drop in housing demand amid the coronavirus pandemic.

In addition, the company made several other cuts, including to remaining employees’ salaries, and by canceling the year’s planned bonus.

RedfinNow has begun purchasing again, relaunching in Austin, Denver and the Inland Empire east of Los Angeles, the company said in its Q1 2020 earnings call.

“In response to strengthening home-buying demand in late April, [Redfin] began to unwind some of the actions taken in March and early April. RedfinNow will resume making offers on homes in select markets in May,” said the earning’s statement.

The company also announced that it has asked approximately 135 employees to return from furlough to serve the renewed home-buying demand.

Offerpad

In March, Offerpad temporarily paused its instant offers program, citing health concerns and CDC mandates.

The company has announced it will begin submitting offers again on May 8 after implementing new health and safety standards with a Certified Safety Procedures certification from HealthyVerify, a health safety organization, in association with the Barrow Neurological Institute, that helps businesses minimize transmission of infectious diseases.

According to a statement from Offerpad, company-wide training is currently underway and will allow the company to provide home sellers with a streamlined and contact-less experience throughout the entire transaction.

“As we begin to re-energize our economy, I am pleased to see an Arizona-grown business setting the example for best practices nationwide,” said Arizona Governor Doug Ducey in a statement. “Thank you to Offerpad for prioritizing public health and safety as Arizona looks ahead to economic recovery.”

Opendoor

In March, Opendoor’s CEO and co-founder Eric Wu announced the company would be pausing home-buying but would continue to sell off inventory. Due to stay-at-home mandates, the company said it could not continue purchasing homes because of “elements that require real-world interaction from our teammates, including home assessments and home repairs.”

The company faced financial roadblocks in April and laid off over 600 employees, about 35 percent of staff, to reduce expenses.

“We are doing everything we can to support our teammates who will be leaving us, including eight weeks of pay and reimbursement of 16 weeks of health insurance coverage,” Wu said in a statement at the time. “Also, I’ll be donating my 2020 salary to our Opendoor Employee Relief Fund to help those who may be in more challenging financial or health circumstances due to COVID-19.”

The company will be resuming services in Phoenix this week, largely leaning on virtual tours to do so. In a statement released by Opendoor, the company announced three ways they will be helping consumers “buy and sell safely with fully-digital, contact-free experiences”:

– Sell Direct: “A contact-free way to sell instantly to Opendoor.” – Home Reserve: “A new way to reserve and move into your new home while we list your current home.” – Safer Touring: “The ability to virtually tour or self-tour homes to buy.”

“We believe this is the future of how people will buy and sell a home. We are energized this is happening sooner than we expected. So as of today, I am thankful for that feeling that we are going to change an industry and deliver on our mission,” Wu said in a statement.

RealSure

Along with several other iBuyers, RealSure also pressed pause on instant offers in March due to coronavirus concerns. The company has not yet announced when they will be resuming services.

Keller Offers

Keller Williams’ iBuyer arm continued to offer its services over the past several months, with modifications that “prioritize safety and manage delays caused by the changing conditions related to the coronavirus,” according to a previous statement from the Keller Offers Team.

Gayln Ziegler, COO of Keller Offers, told RISMedia that the iBuyer segment “remained operational throughout the pandemic as we felt it was imperative that we didn’t disappear when the consumer needed us most.”

Instead of pausing, the company “pivoted operations” regarding inspections and closing dates, allowing extensions as needed.

“We have not had to lay off a single team member within Keller Offers. From the beginning, we created Keller Offers to sustain drastic market shifts, like the one we’re experiencing,” says Ziegler. “We remain operational in 14 markets and have plans to expand our cash offer program into more mid-tier U.S. markets in May. And, we’ll have more exciting news to share in the coming weeks.”

Express Offers

In March, RJ Jones, EVP of growth and finance at eXp World Holdings, said the company’s iBuying segment, Express Offers, was staying open but would be focusing on managing expectations amidst the coronavirus crisis.

Due to the virtual nature of the brokerage, Jones said the iBuyer brand already had an advantage over other iBuyers who had to halt business operations.

“We continue to add investors to the platform and are expanding into new states.  Homeowners continue to value different options that increase their flexibility when selling their homes,” Jones tells RISMedia. “Having access to an agent in the Express Offers service continues to set it apart from other offerings available.”

As the coronavirus and its impact on the industry unfold, RISMedia is providing resources and updates. Get the latest.

Liz Dominguez is RISMedia’s online senior editor. Email her your real estate news ideas at ldominguez@rismedia.com. 

The post iBuyers Begin to Lift Coronavirus-Related Holds on Business appeared first on RISMedia.

iBuyers Begin to Lift Coronavirus-Related Holds on Business published first on https://thegardenresidences.tumblr.com/

[mfinoltd-blog]

MINING NON-TRADITIONAL DATA IS KEY TO BRIDGING INDIA’S CREDIT GAP

A less discussed side effect of demonetization is that banks are now sitting on an unprecedented sum of surplus deposits, an amount they are struggling to deploy efficiently. Since demonetization,the central bank has amassed a total of Rs.15.28 lakh crores by the last count in June, meaning that 99 percent ofscrapped currency notes have been deposited. To spur more borrowing, banks have cut interest rates for deposits and loans – even the humble savings account has not been spared, with interest rates being reduced for the first time in six years, from 4 to 3.5 percent.

With the voracious appetite for credit in both India’s MSME sector and the large unbanked/underbanked retail segments, it might seem like a relatively straightforward exercise to match this excess money supply with pent-up demand. But historically, credit has never been readily accessible to the masses. One of the reasons is that processes and regulations, though well-intentioned, have made catering to these segments rather difficult.

Both business and retail consumers suffer as a result of this regulatory bottleneck. India’s 57 million MSMEs employ 120 million people and contribute 45 percent of the nation’s industrial output, but a lack of financing proves to be the biggest impediment to their growth, with the estimated credit gap hovering around Rs 2.93 trillion.

Information asymmetry: A challenge for banks

Though India has established itself as one of the world’s largest emerging markets in the last decade, its informal economy continues to play an essential role in its growth. Since most businesses in the informal economy are cashbased, they have little to none of the paperwork creditors traditionally rely on to assess the risk of the loan. Thus, lenders are unable to resolve the information asymmetry they face and refuse to provide the necessary credit.

Even the few businesses that do keep the required records struggle to generate the cash flow necessary to prove their credibility and offer up collaterals. The lack of traditional documentation makes them unattractive for lenders who are likely to prioritize borrowers who can offer proof of their ability to repay these loans.

The challenges are no different when it comes to procuring a personal loan. The credit risk of an individual borrower is measured based on a CIBIL score range between 300 and 900 – primary indicators being the applicant’s employment stability, monthly salary, and most importantly, documented credit-related activities from formal lenders. EMI and credit card payments, outstanding balance, pending loans on the borrower’s name; these are some of the details used by potential lenders to create a snapshot of a person’s credit-worthiness, all of which an individual in a cash-based economy is unlikely to have.

Alternative data – A new approach to underwriting loans

While it is impossible to guarantee a borrower’s intention to repay a loan, lenders can look beyond financial data and utilize an applicant’s non-traditional data to assess a borrower’s credit risk better. Non-traditional data points from an applicant’s digital footprints include information from social media platforms, e-commerce transactions, bill payments, telecom data, location history, etc… Big data analytics and machine learning can leverage the contextual information and provide insights into the creditworthiness of borrowers. For instance:

• Electricity bills, internet bills or house rental receipts- timely payments suggest the potential borrower has a strong sense of responsibility and is unlikely to be a wilful defaulter • Social media posts that borrowers write/like/share allow banks to understand borrowers’ interests and thoughts – posts that reflect irresponsible behavior, for example, are potential red flags for lenders • LinkedIn profiles can help identify a potential borrower’s stability based on the number of jobs held and the time spent at each job • Consumers’ transaction histories on e-commerce platforms can help banks get a grasp of users’ lifestyle patterns and discretionary incomes • Psychometric profiles help lenders assess borrowers’ personality traits and indicate their willingness to repay loans • Digital wallets used by merchants have a trove of data, like the volume and value of their sales, the level of repeat customers, and the number of daily transactions processed – these trends can indicate the long-term viability of a business. • Social media interactions between a small business and its target audiences demonstrate the quality of relations businesses maintain with their customers.

Ushering in growth

Alternative data has emerged as a promising method of verifying borrowers’ identities as well as their intent and ability to repay. This new age lending process enables traditional lenders to access previously untapped lending opportunities while expanding credit to underserved segments.

Easy access to formal and low-cost credit will contribute significantly to GDP, economic growth and a rise in standard of living. MSMEs currently contribute to 8 percent of GDP, but with access to finance and technology, their contribution is estimated to more than double to 20 percent.The Indian economy is expected to be the world’s second largest by 2040, and financial inclusion will play a crucial role in attaining this growth.

Fintech start-ups in the past few years have started to intervene on multiple levels to bridge the credit gap and redefine the underwriting process to assess credit risk. Banks and fintech start-ups working together can make huge strides in solving existing bottlenecks, putting assets in the hands of those who can create change in the communities that have invested in them.

Mobile Banking

[unixcommerce]

Just 10% of Retail Businesses Use AI

The ScaleFactor State of SMB Finance report says only 10% of retail businesses are using Artificial Intelligence (AI). The report reveals Small and Medium Business (SMB) retailers are the most reluctant to implement AI or machine learning (ML) solutions into their workflow.

Retail Business AI Statistics

Furthermore, 40% say they are not interested in this technology. Despite the disinterest, 44% of retail businesses say they do not find the process of implementing AI or ML challenging; the highest across all industries.

And over a third (39%) admit to not knowing AI/machine learning were options for their accounting solutions. So, there is some conflicting data during this early stage of AI and ML technology. This is especially the case for very small businesses.

While most medium-sized businesses (72%) use AI and machine learning, very small businesses (13%) are lagging behind across all sectors. Those who use AI often use it for bookkeeping (76%), invoicing (61%), payroll processing (60%) and bill paying (55%).

Kurt Rathmann, founder and CEO of ScaleFactor, explains this very point in the release for the report. Rathmann says, “Small businesses are finding increased value in adopting technology solutions to assist in the back office as customer demand for quickness and e-commerce solutions increase.”

He also goes on to say organizations are now experiencing a new phase that is focusing on harnessing the efficiencies of an intelligent workforce through the use of insightful and prescriptive technology. In turn, this will consolidate complex back-office operations into one intuitive ‘business OS’ providing a foundation for owners to focus on growing their business.

What is Changing?

A majority of SBMs are now adopting technology-based accounting or back office solution – ditching Chief Financial Officers (CFOs). Currently, 58% of SMBs use accounting/back office tech solutions while a whopping 76% do not have a full time or fractional CFO and have no plans to hire one.  Only a fraction, 23% have a full time dedicated FCO. And these changes are being driven by technology such as AI and ML.

Finances

In terms of financial sources, they vary depending on the size of the company. For mid-size businesses, much of the funding comes through loans from financial institutions. Small businesses, however (59%) use their credit cards to finance their business. While very small businesses (77%) reinvest their company’s profits into the business. Interestingly though, across the board, nearly a third (34%) reinvested their company’s profits into the business.

The ScaleFactor report reveals a majority of those surveyed showed a stable or growing revenue number compared to last year. Only a fraction (4%) saw a decrease in revenues over 2018, with 44% seeing a 10% or more increase in revenue growth.

When it comes to hiring, retail businesses do have the highest rate of new hires amongst the vertical industries in the survey. Twenty-two percent of businesses report two to three new hires in the past 12 months

Withstanding this, many businesses are not looking to hire new staff. In fact, 52% of these businesses did not hire any new employees in the past 12 months. Salary costs (18%) is the biggest reason for not hiring new staff. While shortages labor skills (13%) was another challenge owners are facing in a tight labor market.

Make Your Business Smarter

Artificial intelligence is widely used in business applications for automation, data analytics, and natural language processing. AI can help businesses increase sales, detect fraud, improve customer experience, automate work processes and provide predictive analysis.

In the retail segment, AI is particularly helpful to map consumer behavior and improve customer experiences. This can come in handy in an age where small retailers are competing with behemoths such as Amazon and Walmart. With an eCommerce platform, small businesses can compete with the giant online retailers in the marketplace.

Artificial intelligence can help bring efficiencies into operations by replacing people from doing repetitive tasks. By helping avoid repetitive tasks by your workforce, AI can introduce automation within a business. With AI, employees can then focus on doing high-priority tasks that require human attention and not waste time on unproductive tasks. Increasing efficiency ultimately translates to higher profits for businesses.

With AI retailers can better collect and organize massive customer data. Using this data, AI can draw conclusions and create a more personalized shopping experience for customers. The data will help you know what they like, thus providing insights to create a more engaging experience for customers based on their interests and likes. Retailers can also predict how well a product will perform in the market by learning from the past to make strategic and decisions easily.

AI can help customers find the items through visual search to personalizing their experience through chatbots. AI/machine learning is revolutionizing the retail industry in a number of ways. Whether you are looking to address marketing, customer service or sales AI can provide a customized solution for your needs.

Image: Depositphotos.com

This article, “Just 10% of Retail Businesses Use AI” was first published on Small Business Trends

https://smallbiztrends.com/

The post Just 10% of Retail Businesses Use AI appeared first on Unix Commerce.

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[loansinghfinanceblogme-blog]

You would be lying if you said you do not use any international consumer durable brands and only rely on Indian brands. The big brands, at most times, produce the best products. We will cover the best brands from India in another post; but for now, we look at some of the numerous ones enjoying a sustained following in India.

Click here, to find out how to apply for a consumer durable loan

Consumer Durable Products

Some examples of day-to-day consumer durable products are:

Audio system – To make your neighbors listen to your playlist

Home entertainment system (of the home theatre ilk)

A cool chimney for your fireplace

Air conditioner – To beat the heat

If there’s no fireplace, get one (perfect for winters in Delhi)

Rustic furniture for your living room

An inverter to help you with occasional monsoon power cuts

Allow your wife to impress her mother-in-law with state of the art kitchenware

Create instant icicles and ice cubes with a brand-new refrigerator

An Ultra HD LED TV will also prove beneficial to enjoy Netflix or the IPL

A DSLR camera that can capture those special moments

A new Dell/Lenovo laptop for work

The latest flagship smartphone to flaunt

Consumer Durable Loan

Consumer durables are not cheap. The best products are always branded. We need to get the best durables to better our lives, we need to seek the best brands. Better brands guarantee longevity of the products, provide value for money and are manufactured using the best parts.

Sure, you can look for brands that provide online discounts that is just smart shopping. Offers, flash sales, cash-backs etc. are all part of the overall marketing strategy employed by brands to make us buy more. Buying more and discounts are fine but sometimes the amount reduced to even after a discount is so large that it is still possible to leave a hole in our pockets. So, what do we do? Get a quick online personal loan!

Don’t listen to your uncle’s friend’s third cousin for advice. Get online and search for ‘consumer durable loan’. The search results will take you to www.loansingh.com. Consumer durable loan is a financial opportunity that is not offered to everyone. You need to be salaried and earning more than Rs. 20,000 per month. Being salaried for at least 6 months, with no credit blemishes, is the eligibility to avail a consumer durable personal loan from Loan Singh.

Smart people will raise their hands like high school nerds and say, “We can buy these products with our credit cards as well, why opt for a consumer durable personal loan?” That’s a good retort, but understand that credit card loan and consumer durable loan are 2 different credit instruments.

If banks are slow to provide a quick consumer loan digitally, then which is the best online personal loan website to trust? Despite India’s digital lending sector still being in growth phase, one Fintech player has managed to tread farther than others in the segment.

The name of this Fintech is Seynse Technologies. Seynse Technologies are not just developers of Loan Singh – a digital lending platform; but also is a proud partner in launch of the Airtel Online Store.

Consumer Durable Loan Eligibility

Only salaried individuals or salaried professionals can apply for the personal loan

The minimum monthly salary for applying for a personal loan is Rs.20,000 and above

You must be an Indian obviously and of the minimum age of 21

Loan Singh only accepts latest 6 months bank statement in PDF format

First time loan applicants can also apply for the loan

Click here to know, how to apply for a medical loan

10 International Brands

Now, that you know how to pay for the best products, let’s look at 10 brands that have become popular all around the world for their appliances and electronics. Before we get into the list, we just want to mention that consumer durables (especially electronics) are divided into two categories – brown goods and white goods. Brown goods of consumer electronics are products such as cameras, speakers, televisions and electronic accessories. The white goods of consumer electronics involve small and medium home appliances such as air conditioners, refrigerators, washing machines and kitchen appliances. The following are the popular global brands in no particular order.

General Electric

Another name synonymous with consumer durable brands is General Electric. Their excellent exposure to the B2B market allows them to command great respect in consumer durables. Their equally popular B2C segment gives them leverage to remain one of the best in the world. They possess a wide range of consumer appliances that sell far and wide. The performance of their products is high. Included into their range are water heaters, refrigerators, microwaves, cooktops, dryers, and dishwashers.

Hewlett Packard

Hewlett Packard, or HP, possesses a wide variety of consumer electronic products. This includes their popular range of laptops and printers. Their laptops are known for their excellent performance and their classy look. For example, their HP Spectre laptops took the world by storm. HP printers are a commonplace at almost every home. Hewlett Packard also deals with electronic accessories such as HP storage drives, HP pocket computers, and HP tablets.

Click here, to know how to apply for a quick shopping loan

LG

LG is a consumer electronics brand with its kitchen and home appliances popular throughout the world. In fact, LG also includes exclusive showrooms which boasts of a wide variety of consumer products. LG’s products include LCD and LED monitors, televisions, air conditioners, washing machines, refrigerators, dehumidifiers, air purifiers, computer peripherals, microwave ovens, music players, vacuum cleaners and a lot more.

Apple

Without a doubt, one of the best consumer durable brands in the world is Apple. Many a times, contesting with Samsung for being the absolute best, Apple’s lines of MacBook laptops, as well as their flagship iPhones, are major drivers in their respective segments. MacBook’s rivalry with Microsoft’s windows enabled laptops is legendary. Their tablets are also quite popular helping Apple to always hover around the top 2 consumer electronic brands in the world.

Click here, to know how to apply for a car loan

Sony

Sony is easily one of the most popular consumer durable companies in the world. Their wide product portfolio sets them apart from the ones lagging behind. They have a slight inclination towards brown goods rather than the white, but their mainstay is televisions and was also once a leader in this category. Their Sony Bravia series has always been in demand, especially during the FIFA World Cup. They also gained a cult following for the Sony Walkman. This catapulted Sony towards a level not many brands have reached. Their Sony VAIO series laptops, Sony digital cameras, Sony PlayStation and Sony music systems are always on consumer’s choice list.

Canon

No argument about DSLRs is complete without the name Canon being used. Their range of DSLR cameras is always reviewed as some of the best ever made. This makes up the majority of their market reach. Their Xerox machines come next, followed by their desktop printers and their all-in-one printers. They are ever-present in the consumer electronics market but lag behind in the consumer home appliances segment. But, thanks solely to their DSLRs’ popularity; they can be considered in any list of consumer durable brands.

Panasonic

Panasonic has gained enough ground to become a leading contender in the consumer electronics segment. Their air conditioners are popular and one of the bestselling in the industry. They also possess a huge line of cameras and camcorders. Their home appliances segment includes products such as kitchen appliances, microwaves, refrigerator and washing machines. Their home entertainment products include DVD players and music systems. Panasonic televisions are prime contenders in any television subcategory.

Click here, to know how to apply for a travel loan

Philips

A champion in the consumer appliances category, Philips’s recent offering, the Air Fryers have been a big hit. Add to that their vast range of music systems, headphones, televisions, vacuum cleaners, kitchen appliances, home lighting, PC audio equipment and monitors. Thanks to their varied categories and subcategories for consumer durables, Philips is certainly up there when it comes to the popular consumer durable products in the world.

Hitachi

Hitachi’s wide ranges of products include everything within the categories of electronics to power systems. Their consumer products are of equally high value. They sell products such as dehumidifiers, air purifiers, washing machines, kitchen appliances, microwaves, refrigerators and air conditioners.

Samsung

Any global list will always feature Samsung as a consumer electronics brand. Airtel offers flagship smartphones at affordable EMIs, which you can buy at Airtel’s Online Store, Samsung is also a global leader for their innovative line-up of consumer appliances, air conditioners, refrigerators and televisions. Their televisions especially are one of the highest selling ones in the world. The categories of television include HD LEDs, Smart TVs, 3D Television and 4K Ultra HD LED televisions. Their line of Samsung refrigerators, Samsung washing machines and, Samsung air conditioners do well across the world. It’s after sales services are also admired.

Click here, to know how to apply for a home renovation loan

About Loan Singh

Loan Singh is a digital lending platform that prides in providing online personal finance loan or unsecured personal loan to salaried individuals. You can apply for quick funds as an easy emergency loan which is not a bank loan. We provide a loan with the best personal loan interest rates. The instant funds, or instant loans, are loans between Rs. 50,000 and Rs.10,00,000 taken for purposes such as:

Home improvement loan/Home renovation loan

Marriage loan/ Wedding loan

Medical loan

Car loan

Consumer durable loan

Vacation loan

Debt consolidation loan

Credit card refinancing loan

Job relocation loan

Smartphone loan

Travel loan

Festival loans

Gold jewelry loan

Shopping loan

Lifestyle loan

Short term loans

You can calculate your easy EMIs using our personal loan EMI calculator. We accept bank statement and PAN, for quick loan approval. A bad credit score or credit report errors can lead to personal loan rejection. The ‘Loan Singh Finance Blog’ is one of the best finance blogs in India. Loan Singh is a product of Seynse Technologies Pvt Ltd, which is one of the pioneering personal loan companies in India and is a partner to the Airtel Online Store.

Loan Singh’s Online Presence

Loan Singh is not an anonymous digital platform. We are present on almost all leading social media platforms. All you need to do is look for us. You can find us on Loan Singh Facebook, Loan Singh Twitter,Loan Singh Google+, Loan Singh YouTube, Loan Singh Pinterest, Loan Singh Instagram, Loan Singh LinkedIn, Loan Singh Blogarama, Loan Singh Google Business, Loan Singh Bank Bazaar, Loan Singh Medium, Loan Singh Reddit, Loan Singh Tumblr, Loan Singh Scoop It, Loan Singh Feed, Loan Singh Storify, Loan Singh Digg, and Loan Singh Blogger.

Loan Singh In The News

Loan Singh in Business Standard, Loan Singh in inc42, Loan Singh in Financial Express, Loan Singh in ZeeBiz, Loan Singh in Economic Times, Loan Singh in Analytics Mag, Loan Singh in Know Startup, Loan Singh in Deals4Loans, Loan Singh in Airtel Press Release, Loan Singh in TechCircle, Loan Singh in Medianama, Loan Singh in Hindu Business Line, Loan Singh in Digital Terminal, Loan Singh in Tele Analysis, Loan Singh in India Info Online, Loan Singh in Daily Pioneer, Loan Singh in Ciol, Loan Singh in Livemint, Loan Singh in MoneyControl, Loan Singh in Owler.

Click here to understand everything about credit score in India

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[berthastover]

Don’t Get Fooled by These 7 Ecommerce Metrics

When tracking ecommerce business performance, marketers often focus on the general results of their activities. Traffic growth, sales, and shoppers ready to recommend the store. Segmenting customers and products, sales and the channels they come from, are essential if you want to see where the marketing funnel flaws are and what you should optimize first.

Let’s look at the top 7 ecommerce metrics marketers often misinterpret and how to correct these mistakes.

 Traffic and conversions

If you’re happy about reaching milestones in your traffic, but at the same time you’re asking yourself “where are the sales?”, you probably need to look at the situation from two different angles:

 Mistake #1

Poor traffic

Although the numbers sound promising, the thing you may be missing is the quality of the traffic.

If sales are low, you’re not driving the right traffic to your site, your customers don’t have purchasing power or are looking for something else.

Lousy SEO or bad ad copy may lead to traffic converting at lower rates than expected. Make sure that all representations of your business and products are accurate and fully align with the brand image:

Social media and Google ads describe the products correctly

Keywords used in your copy are connected to your products

You use the right platform to promote your product

Product descriptions are correct

 Mistake #2

Poorly designed website

The reasons why a website is not performing well enough to convert may be different. From security issues to poor product descriptions, to slow loading.

This guide will help you manage this problem.

 Conversion ratio

This metric lets you understand how many visitors from your website become your customers. Conversion ratio depends on your industry, country, and the devices your visitors are using. How do you know if a conversion rate is good enough?

Conversion rates range from 4% to over 14%. You may be mistaken about your conversion ratio if you don’t keep the following in mind:

 #1 Rates in your industry

Legal services, along with publishing and sport & activities sectors, enjoy the highest conversion rates starting at 11.40%. Retail, financial services, and automotive industries usually don’t get more than 6% conversion on landing pages.

 Landing page conversion by industry

 See more industries and their average conversion rates in our Email Marketing Benchmarks.

 #2 Segmenting by device

According to SmartInsights, conversion rates in the US are much lower than in the UK, and conversions via smartphone happen twice more often in the UK than in the US.

The global trend shows that shoppers usually buy much more often on desktop (3.63%) and tablets (3.14%) than smartphones (1.25%).

 Conversion Rates by Device

 If your website is not optimized for mobile devices, your conversion rates will be much lower than expected. When visitors don’t see the CTA button or can’t easily navigate the search listing, you’re losing leads.

Take a look at this metric in the Google Analytics Audience Report to segment your visitors depending on the device they use:

   # 3 Segmenting by product

Compare the conversion rates for different products.

Are your customers more willing to buy cheaper items than premium ones? This data may help you understand what parts of your website and ecommerce marketing strategy need to be optimized.

If your customers are buying mostly cheap items, consider how they really see your store.

 LTV – customer lifetime value

This metric indicates how much money the average customer brings you, from the first purchase to the moment they stop buying from you.

LTV and CAC (customer acquisition cost) are two of the most important metrics. They allow you to compare the cost of acquiring the customer and the value they provide you with.

Let’s say you’re selling lenses for people with impaired vision. You’ve acquired one customer with your AdWords campaign and spent $20 on the acquisition. If your profit from is $15, you might think you’ve just lost some money.

But that’s actually not true. Your average customer will buy lenses from you every month for six years. Having spent only $20 on the acquisition, you’ll get recurring $15 from the same customer “for free.”

 Mistake #1

Lack of segmentation

Segment customers into different categories based on their main characteristics:

Gender and age (maybe females in their 40s spend more on your products than young males?)

Location (people from different cultures may have different opinions on the same pages)

Types of the products they are buying

Channels they come from

 Mistake #2

Calculating profit the wrong way

You’re using your revenue numbers instead of calculating your profit. Don’t forget to decrease the revenue by the costs you incur.

 Mistake #3

Inaccurate data

When you’re just starting an ecommerce business, you won’t know your LTV. Just wait until you have a decent number of returning customers and use accurate data.

 CAC – customer acquisition cost

This metric shows how much money you spend on the acquisition of a single customer.

CAC is highly dependent on the product you sell, price, location, season, and type of the customer.

 Mistake #1

Not including non-direct expenses

Include non-direct expenses in your CAC for accurate results.

Your cost per acquisition should include all your traffic acquisition expenses:

CAC = (marketing + sales expenses) / number of new customers acquired, including

salaries of marketers, developers, sales team, and designers working on the campaigns

ad spend

contractor fees, if applicable.

 Mistake #2

Not segmenting your cost depending on location

Some countries are much more expensive than others, and the volume of market ready to purchase and the average order value also differ.

 Mistake #3

Not segmenting customers depending on order value

Well, you can’t mix the data of customer A who buys ten pens, bringing you $20 profit, with customer B who buys a notebook with your profit margin of $50.

You can probably spend another $10 on the acquisition of the latter and recalculate how much you can spend on acquiring the first one.

CAC is highly related to the LTV, instead of the first order value. The golden rule for CAC is:

CAC: LTV = 1:3

It means you can spend up to three times less on marketing than the lifetime value of the customer.

 Revenue by traffic source

It might seem obvious your spend on different advertising platforms. But this can be tricky if you don’t consider some details.

Imagine traffic from one source is less expensive than traffic from a different one. Should you navigate all the expenses to the better performing platform?

First, check the quality of the traffic. If you’re optimizing your campaigns for website visits, you may not be able to directly compare the traffic from a platform to how many customers came from it.

Some traffic sources can bring you customers who won’t buy straight away, but will later on. If you want to dig deeper, use cohort analysis to track customer performance in time.

 Customer retention rate

Ecommerce stores often overlook retention, which is a mistake. Customers who come back to buy from you, promote your products, and stay with you no matter what, are gold for your ecommerce store.

 Customer loyalty

 Some customers purchase only discounted items, making retention rates much higher if you’re offering regular sales. But how does this affect the average order rate and profits?

Chasing a higher CRR, you should focus on creating more value for customers instead of attracting them with cheaper products.

How to track different types of retention rate?

Segment retention rates depending on the average order value. You can do that by creating groups of customers who buy in the low, average, and high pricing segments.

Low CRR doesn’t have to mean your customers are dissatisfied, or your competitors outperform you. Some products are simply bought just once. If your shop is not offering multiple products valuable to a single customer or products people buy regularly, you should focus on metrics other than CRR.

 Net promoter score

How likely are your customers to recommend your store? An answer from an NPS survey is a number on a 1 to 10 scoring scale.

 Net promoter score

 The tricky thing is that you may get the wrong numbers if you don’t follow a few simple rules.

 Mistake #1

Sending the survey at the wrong time

This mistake happens when a customer has bought your product online but didn’t receive it yet or received it a long time ago and forgot about it.

It’s also important to send another survey when your customer returned the item and when they wanted to get a refund. Store data from these customers separately, if possible.

The best time to send a survey to your shoppers is when they’ve just received their order. This way you allow them to share their feedback both on the logistics and the customer service.

 Mistake #2

Asking the wrong questions

Do you use the classic “How likely are you to recommend our company/ product/ service to a friend or colleague?” What questions do you include after this, if any?

Ask questions that you want the answers to. And phrase them in a way that most people will understand similarly.

 Mistake #3

Not tracking it in time

Use the answers not only as numbers but also as a source of quality feedback. It’s much more important to know what exactly drives your customers mad about your products and how this changes over time.

 Summing up

Tracking marketing results and sales activities right is crucial for building a viable ecommerce marketing and sales system. Metrics often don’t speak for themselves. So, adapt them and interpret them with my tips in mind for a better understanding of all the opportunities for optimization and improvement.

   Related posts

How to Use Email Marketing for Ecommerce?

Increasing Ecommerce Sales: 10 Psychological Tricks

The post Don’t Get Fooled by These 7 Ecommerce Metrics appeared first on GetResponse Blog - Online Marketing Tips.

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eleven Popular Faults We Percieve Electrical Advertising and marketing Agencies Make

It assists businesses of any size, from skilled groups looking to scale their publication linked to business to just one-man rings creating a Paid advertising giving from the ground-up . Hence, our team is confronted with amazing minds and also the thriving AdWords, Fb, and Msn balances they cope with every time on the workweek. Obviously , in addition, they see their share of tomfoolery, which has a tendency to come originating from a handful of combined overzealous oversight plus an straightforward insufficient Pay-per-click miami seo expert schooling.

Soon after communicating with WordStream' s best and smartest after Slack and between bites connected to microwaved meals, I' ve taken jointly a summary of 11 frequent issues we have seen providers make every day. Some may appear ludicrous for you, other people may well be more like bulbs taking up on top of your head.

Regardless of, don' t be ashamed to open your MCC or Company Director and see for those who stumble upon most of the problems that observe. Accomplishing this is a fantastic approach to identify easy is the winner on your current clients which means you can spend your time pitching brand new models.

#1: A number of Clients in the Very same AdWords Accounts

Managing various consumers out of the similar accounts- no matter what distinct platform- is unwell-encouraged. You don' t plan to be about the connect developed for prepaying advertisement devote and waiting around for reimbursement: clawing that funds lower back may well be a agony and the product scales horrendously. Sadly, many fledgling agencies have this to mistake.

They carry out the allergy of local business owners, grow plans in one AdWords consider the particular reason of " simplicity, " then start off going into a mil troubles. Bank account-levels issues and marketing extensions went awry. Billing conundrums. Dayparting unfortunate occurances. And Our god prohibit each of your clients gets success possessing a suspension and also it usually takes your whole profiles out from percentage for the Miami SEO Expert

Avoid the hassle: Employ a MCC (brief for " My Purchaser Middle " ) profile to be certain each and every client you take care of has their own individual ad membership. And in case you' re controlling balances throughout several routes just for many purchasers, you can use a 3 rd-special event tool like, oh, say, ours . The WordStream Consultant Buyer Centre permits you to watch consumer expend and KPIs throughout aggregate, wiping out individual-bank account snafus as well as making it effortless to path financial constraints from degree.

#2: An excellent Unprofitable Price Structure

Using a that isn't prosperous is an important issue, particularly for businesses pivoting to settled search and interpersonal from one more subject. Website development in addition Search engine marketing efforts are time-demanding. During these niche categories, billable many hours or a smooth rate make a lot of good sense.

For Pay-per-click, less than a lot.

In fact , on the prolonged-haul, it is possible to end up leaving loads of cheddar in the dinner table in the event you demand by the hour for AdWords, Fb, and Bing membership managing. The task is quite a bit frontloaded, plus an substantial quantity of tinkering- working to make an income when you' re paid for through the hour- may additionally water tank effectiveness, precisely in terms of paid off study. You could also ask for with a benefits-established structure, which has the possibility to pay for dividends or maybe, you recognize, zilch.

In lieu of dealing your workdays for bucks or supposing irrational potential risk, you should consider charging your customers a percentage in the advert spend.

This type incentivizes purchaser growth: the more successful you can create the client' s membership, the better they' ll expend, the greater amount of they' lmost all make, the greater a person make. When you providing far more worth towards the customer, the portion-of-expend unit reasonably helps make up you even though guaranteeing great Roi for your own them. A literal gain.

Don' t not earnings whenever your clients are since it just goes 20 minutes each week going to their goals.

#3: A Long Time Confirming, Not Sufficient Optimizing

Some agencies spend boatloads of your energy making complicated assessments, as much as you possibly can the hindrance of membership efficiency. The truth is , in accordance with HubSpot, " business staffers devote about some or several hours in each purchaser monthly confirming following virtual. " This matter is only amplified for your customers boost their advertising campaigns onto new stations, just where KPI go collectively like lamb and tuna fish sea food.

This isn' t to express designed to reporting is fundamentally negative.

Sound reporting that naturally conveys pacing on the way to your clients' objectives is important to introducing your effect on their enterprises and, hence , your own personal importance. And you can accomplish that by using a handful of way of measuring automation without having spending a large number of your Monday day fine-tuning destroyed Stand out formulas. That' s phase you could be shelling out assisting someone develop their organization (or, you recognize, broadening your own).

Though a gyrating term cloud might be all the rage in specific groups, I' ve by no means satisfied a client who needed a heat range road map of these CTR segmented by merely hours of day and barometric pressure much more than they required a couple of dozens further conversion rates. If you discover affirming to become main hurdle in your workweek, look at our .

#4: Missing the actual Hunt Request Report

Search phrases are definitely the foundation of any type of AdWords accounts, but how about the particular concerns that set off them?

Numerous miami website seo specialist speak to diligently search through their clients' vital key phrases, altering offers frequently and synthesizing SEO study and active balances information to find out new possibilities inside Pay-per-click. This is the fantastic using of period, but shouldn' t develop on the cost of plunging in the Keyphrases Statement at least once every week .

The Keyphrases Statement is actually a tool in the Important phrases tab in the new AdWords URINARY INCONTINENCE. It permits you to experience an idea with regards to the types of search concerns which might be activating your keywords and fully grasp which fit styles are caused by outlined queries (especially vital if you' re using a tiered investing in a wager construction). In addition, it lets you add more detrimental search phrases on the advertising class or perhaps advertising campaign amount, or build sale listings of issues that can be added to all of your profile.

Don' to halt looking at key words in favour of panning for ludicrous lookup inquiries as a way to Slack towards your compatriots: retract the actual Search Term tab into your regular credit accounts upkeep that will put a stopper inside inefficiencies and find new options for your personal purchasers.

#5: Using the services of Far Too Early

We receive phone calls on a monthly basis by firms who say: " We' re taking up an increasing number of bank accounts. It will require many hours in AdWords to deal with each of them. We' re planning to use the Pay-per-click coordinator. " And in many cases, this really is completely the proper shift.

For almost all however, it' s the particular powder keg to obtain a fusillade connected with problems and time squandered. That' s why our organization class takes pleasure in aiding you do not seek the services of further staffers.

Consider it: Employees signify overhead.

Accumulate the charges of salary, health care medical insurance, paid-time off of, 401(k), and so on . That' s before you even continue to component in instruction them and ramp-up time period and the potential of foolish faults that could price your clients (a badly positioned undesirable in this article, an overeager quote modification there).

" But I' ll hire somebody experienced, an individual autonomous. " Good idea, although the bakery you save money on training will come back to nibble you inside of paycheck requires. Not to mention the truth that it' s shockingly hard to work with superior Pay-per-click skill, even just in a community like Boston (if you happen to be the needle in the haystack, despite the fact that, slip our Managed Services crew the line).

Don' significant t take some time away from your clients to acquire assistance up until you totally ought to. Request is far more economical over a comfortable whole body and definately will make bank account operations more effective without the need of putting headcount for your party.

#6: Passing Up On Large Fit Changed

Organizing a diverse net definitely dredges upwards lots of trash.

This type of doesn' t make accomplishing this un-precious; it just can take some hedging. In the Research System, extensive fit search phrases could be the vast world-wide-web, and negatives are often a good way to minimize the spent shell out they get. Standard large match up key phrases include the AdWords standard (for the reason that, you already know, Yahoo and google happens to be an advertisement company).

Regrettably, if you' re not carefully checking your own personal clients' Search Phrases assessments (which, as i talked about before, transpires), you can discover yourself hemorrhaging spending plan on irrelevant secrets of click. Extensive suit modified search phrases, having said that , deliver the exact grab-all energy without having as much waste by affording a person some modicum of command.

Make use of BMM, purely develop a as well as sign ( ) before quite a few thoughts inside of a general complement important phrase. The language which might be forwent with a ( ) signal ought to are offered in the user' s search term phrase specifically or for a special variance .

So , should you have a buyer who sells rugged, masculine family home slippers, putting in a bid on mens slippers as an alternative to mens slippers helps ensure really their budget is absolutely invested in suitable search questions (the second would also match to be able to queries for slippers for females and puggles and whatnot). Besides conserving their specific cash for high-quantity, appropriate(-ish) questions, BMM keyword phrases keep your ability to likely buyer for new options . In many instances, these opps. have all those form oflong-tail key words.

#7: Not enough Prolonged-Tail Keywords and phrases

Would you just mark your skin and ask by yourself " what' ersus a good-tail keyword"?

You' re not the only person!

A lot of the AdWords and Msn credit accounts we assess are generally constructed from mostly quick-tail key words, those with a constrained amount of terms and high hunt sound level . This particular makes them highly-priced. Anyone inside your client' s sector is bidding following these terminology and most likely, they will likely aren' t transforming by using a good deal regularity; that' s because they quick search phrases don' t tend to transmitting significantly industrial purpose. Competitors, cost, shortage of transformation? Not much of a formula to obtain your desired goals.

Extended-tail keywords, even so , are definitely the spine of every excellent compensated lookup credit accounts.

They are key words- usually recognized by analyzing lookup queries or with the aid of resources such as WordStream Free of charge Vital word Resource - made from a number of terms, frequently promoting some amount of intention. This allows you to established another offer according to just what searcher is looking for, enhancing the probability of conversion in your client' s consideration. And because they have a tendency to get a smaller amount volume level and competitors, super-relevant extended-tail keywords and phrases might actually cost less about the per-press structure than a lesser amount of-suitable limited-tail key phrases.

Though uncovering and improving for long-tail key words has a realistic small bit of elbow grease (much more gekörnt offer communities, a lot more unique ad repeat, issue fishin' ), the returns they generate are way too great to up.

#8: Anxiousness regarding the F-Message

Fb is definitely not like AdWords, but it' s not really a primarily alarming area frequently.

This will depend on target audience meaning in place of hunt intent as well as advertisings are infinitely prettier , but basically it' s continue to only a usually means in which to complete additionally cultivate a revenue funnel towards a much more effective way than can be carried out together with counter ads and labeled toothpicks. Should I desired to targeted you, by way of example , I might create a crowd that could appearance something similar to this:

Received ‘ em.

With that being said, numerous businesses- in particular those having a clear knowledge of paid back search- are reluctant to increase their specific expert services to societal. This is ridiculous since providing Fb ad administration opens added options that you strengthen devote less than supervision while not taking up new clients.

If you' ve obtained a hankering to incorporate Facebook marketing and advertising to your repertoire, here' s a couple of lightweight looking through to acquire the playing golf ball rolling:

#9: Backfilling In lieu of Escalating

Nevertheless, most devout providers among us, the real specialized mavens, will get ourself blinded from the attraction of business dev. In the end, pitching business is really a helluva rush.

Sad to say, it might be all too straightforward to focus excessive on obtaining business and disregard your present client base . This stalls creation fully, and you wind up burning off web links with folks who really should normally turn into your miami seo expert agency' s greatest evangelists.

How would you be sure that your consumers are completely satisfied although you run after in addition turn prospects?

You feel far better at engaging in each.

Employing the effectiveness of the Pareto basic principle ( the actual 80/20 rule of thumb that governs our private 20-Moment Work Weeks time ) to no in in the regimens that represent probably the most value for the clientele and doing these with haste- and exactness- enables you to free up enough time for you to analysis and follow new buyers without sacrificing the ones you' ve gathered.

#10: Awful Marketing Innovative

Not everybody who is able to entire body a spreadsheet as well as path celebration-based sales is usually a design and style wizard.

Unfortunately, consumers don' t obtain that as a practical reason to stop the transaction-creating value of Twitter along with the GDN. At some point, you' ll ought to build breathtaking photo-primarily based inventive that men and women truly desire to select.

Now, you can trust resources like Fiverr or even a doe-eyed intern on the summer months break, yet still those only will need up to now. You can also use the image-advertising creation program within the AdWords UI; whilst the gadget made a great progress way considering that its development, still it sacrifices panache together with the aim of simpleness.

WordStream' s Wise Advertising technologies, in contrast, utilizes appliance-understanding how to completely transform your clients' up-to-date web site visuals into eyes-capturing Fb, Instagram, and GDN-available advertising. By simply recognizing and zeroing in above the focal point from any photo- the smiling parent or guardian, a using up residence, a enlarged 401k, and so on . - Sensible Commercials can help you make convincing graphic-centric advert material for every one of the buyers: at range.

#11: A Supreme Shortage of Stickiness

One more concern everyone detect among the internet marketing agencies will appear counterintuitive: they get rid of business by carrying out a great job.

At a specific position, some consumers make a decision that they may control their very own accounts management (commonly immediately after efficiency levels and plateaus for an long phase). You obliterate CPA goals, take away inefficiencies, and exhaust your tips to a Miami SEO Expert

May give. The buyer decides they might manage tweaking offers and adding flaws, so they really sever ties.

Put simply: you delivered in your message, you produced mounds of money for your consumer, having said that, you didn' t make your own self irreplaceable.

The best way to start to be stickier- the one thing which makes tools like Salesforce so essential- is always to prepare yourself in the quite fabric of your respective customer's business design. You have to avoid dealing with standalone promoting channels and initiate producing and also executing on cohesive, go across-program growth approaches.

This implies eating the things you discover in AdWords to inform Myspace viewers production, using RLSA to get to surface of funnel potential clients primary discussed Instagram later within the product sales routine: In essence, aligning goals involving look for and sociable by comprehending the romance amongst marketplace and objective for any of your own customers.