In the current situation, owning a bike is a commonplace occurrence in middle-class families. Subsequently, every family with a vehicle requires insurance. This helps give an important solution for vehicle owners to get protection for their bikes without any problem.

In this situation, you have the valuable chance to help individuals and make money by offering them this service. Notwithstanding the comfort of dealing with such transactions through sites like ‘Policy Bazar’ or ‘Phonepe’ in the present digital era, these platforms might need cashback or commission benefits. Therefore, to make up for this shortfall, additional charges are in many cases levied on customers, which is an undesirable practice. By giving the “Rapipay Vahan Bima” administration, you can offer a more financially cost-effective and easy-to-use solution for getting insurance without extra expenses, helping the customers.

Rapipay Insurance Agent Portal

Addressing this issue, we want to introduce you to a widely recognized company in the market—RAPIPAY FINTECH PVT. LTD. Although this name might be unfamiliar, the company has been a prominent player in the market for the past 5 years, with over 5 lakh agents operating across India.

Having initially focused on AEPS and BBPS services, the company has firmly established itself in the insurance sector. Notably, it stands out as one of the highest commission-paying companies in India. What sets this company apart is its prompt commission payout policy. Regardless of the nature of your work, the company ensures immediate commission disbursal. This is especially advantageous compared to other companies, where similar commissions may take up to 45 days to process. This feature proves to be highly beneficial for users, offering a swift and reliable compensation system.

[Also Read: RapiPay Login: Registration & Agent Login at RapiPay.com]

Rapipay Insurance Details

How to Apply for the Rapipay Motor Insurance Portal?

Resolving this issue, we need to introduce you to a generally recognized company on the lookout — RAPIPAY FINTECH PVT. LTD. Although this name may be new, the company has been a prominent player on the lookout for the beyond 5 years, with over 5 lakh specialists operating across India.

Having at first focused on AEPS and BBPS services, the organization has solidly secured itself in the insurance sector. Remarkably, it stands apart as one of the greatest commission-paying companies in India. What separates this company is its brief bonus payout policy. No matter what the idea of your work, the company guarantees quick commission disbursal. This is particularly worthwhile when contrasted with different organizations, where comparable commissions might require as long as 45 days to process. This feature ends up being profoundly beneficial for users, offering a quick and reliable compensation system.

Contact Information:

Company Website: RapiPay

Customer Care: +91-120-6366034

Sales Representatives: 6393477191, 9044385001

Official Email: Gaurav.verma@rapipay.com

[Also Read: KLR Login: Registration, Mojini V3 and View Land Documents]

Conclusion

Taking everything into account, the services offered by RAPIPAY FINTECH PVT. LTD. presents a promising opportunity for people to become insurance agents and create income. With a quick activation process requiring just KYC documents, the organization stands apart for its transparent commission structure and prompt payouts. The extra incentives further improve upon the arrangement, making it an attractive choice for those hoping to wander into the insurance sector. By utilizing this opportunity, people can not just add to meeting the developing need for vehicle insurance yet in addition secure a solid source of income.

The post Rapipay Insurance: Fintech Firm Online Yojana Portal appeared first on WTM - Technology, Business, Finance, Digital Marketing.

The USTR publishes the Special 301 Report as “the result of an annual review of the state of intellectual property (IP) protection and enforcement in U.S. trading partners.” This report includes a breakdown of a number of partner countries, exploring the concerns presented by various nations regarding the protection of IP and how those concerns may lead to problems arising in trade partnerships.

Risks and Consequences of IP Theft

The theft of intellectual property (IP) “is an illicit activity that manifests through the unauthorized use, reproduction, or distribution of intellectual property owned by others.” The definition of IP is broad and includes property such as patents, copyrights, and trade secrets. It can be harder to pin down IP theft than theft of physical property, but the crime is no less concerning or impactful.

One major concern regarding IP theft is that it can stifle innovation and technological advances: violating IP rights is a much quicker route to success than developing unique ideas. Individuals and organizations are also less likely to engage in creating their own IP if they do not have faith in its secure protection. Upholding IP rights incentivizes investment in new endeavors.

Because a large portion of jobs and revenue originate in IP-intensive industries, IP theft starts a ripple effect that can extend across many sectors of the economy and even further. IP theft, and in particular the theft of trade secrets, hinders not only the ability to use that piece of IP to generate revenue, but also any future endeavors built on that IP. The theft of sensitive government IP can have far-reaching impacts including threats to national security and infrastructure.

Countries on the Watch List

The 2023 Special 301 Report notes that the USTR’s review of Ukraine has been suspended as a result of Russia’s full-scale invasion of the smaller country. Ukraine was on the priority watch list in 2021, but further review in subsequent years has been deferred. The countries placed on the priority watch list in 2023 are:

• Argentina: Enforcement of IP rights is difficult, and the market for counterfeit and pirated goods and services presents difficulties for stakeholders. Counterfeit goods are being sold not only in physical markets, but through social media as well.
• Chile: Long-standing issues pertaining to some IP provisions of the United States-Chile Free Trade Agreement continue to pervade the relationship. Chile lacks protections against unlawful circumvention of technological protection measures (TPMs), including online piracy.
• China: While China has made some progress in recent years concerning patent law, copyright law, and criminal law, reforms targeting IP theft and enforcement of protections has slowed. Many of the concerns of the USTR regarding China are acute concerns about Chinese market dominance and strategic manipulation of IP law.
• India: In spite of an increased public awareness of the importance of IP and engagement on IP issues with the United States, India remains on the priority watch list. This is largely due to a failure to make meaningful progress in areas of concern raised in earlier reports, particularly patent law. India limits IP protections with the justification of promoting access to technologies.
• Indonesia: Challenges posed to U.S. right holders in Indonesia include ineffective IP protection and enforcement and concerns regarding fair and equitable market access. Piracy and counterfeiting pervade the market due to a lack of deterrent-level penalties and inadequate border enforcement.
• Russia: Even without other factors like the invasion of Ukraine muddying the waters and increasing tensions, the state of IP protection and enforcement in Russia is concerning. Stakeholders report that Russia suffers from inadequate IP enforcement and that authorities lack the staffing, expertise, and political will to quash IP violations and institute protections.
• Venezuela: Recent developments in Venezuela have led to greater challenges to effective IP protection and enforcement. One major deterrent to investment in innovation and IP protection is the reinstatement of a 1955 law that fails to meet international standards. There is a large market for pirated and counterfeit goods, and IP enforcement continues to fall short.

The non-priority watch list consists of 22 countries worldwide that present a less acute danger to IP in the United States, but still require some increased protections and enforcement. These nations include Brazil, Bulgaria, Canada, Egypt, Mexico, Pakistan, Thailand, Turkey, and Vietnam.

Conclusion

In a global economy, it is important for countries to meet certain standards of protection against IP theft and enforcement of IP law to maintain favorable political and economic relationships. The USTR’s Special 301 Report is an exploration of which nations pose a challenge to U.S. IP protection, the issues that they present, and how they might make changes to remedy the state of their IP law. Many countries suffer from a lack of adequate IP protections and enforcement, and harbor massive markets for pirated and counterfeit goods both online and in physical locations.

The post Why These Countries Made the Watch List for US Trade Secret Theft in 2023 appeared first on WTM - Technology, Business, Finance, Digital Marketing.

The Rise of Decentralized Finance (DeFi)

Decentralized Finance, or DeFi, has been making waves in the cryptocurrency world. This trend represents a shift towards a more open and decentralized financial system. DeFi projects aim to recreate traditional financial services like lending, borrowing, and trading without the need for intermediaries. It’s a movement that has gained significant momentum, offering users greater financial autonomy and flexibility. DeFi has the potential to disrupt traditional banking systems, making it a trend to watch closely.

NFT Mania: Non-Fungible Tokens Taking Center Stage

Non-fungible tokens, or NFTs, are digital assets that represent ownership of unique items or content, often tied to digital art, collectibles, and virtual real estate. NFTs have captured the imagination of artists, creators, and investors alike, resulting in a booming market. From rare digital art pieces selling for millions to unique collectibles, NFTs are carving their niche in the crypto landscape. Online platform users can seize the opportunity to trade NFTs and capitalize on this growing trend.

The Evolving Regulatory Landscape

As cryptocurrencies continue to gain popularity, governments and regulatory bodies are increasingly taking notice. Regulatory changes and frameworks for cryptocurrencies are being developed globally. These changes can have a significant impact on the cryptocurrency market, influencing its growth and stability. Keeping an eye on evolving regulations and understanding how they affect your trading on platforms is crucial for long-term success.

The Integration of Blockchain Technology

Blockchain technology, which underpins most cryptocurrencies, has applications beyond digital currencies. Its adoption is expanding into various industries, including supply chain management, healthcare, and voting systems. The incorporation of blockchain technology into these sectors enhances transparency and security. For traders using online platforms, understanding how blockchain developments impact various sectors can lead to informed investment decisions.

The Emergence of Altcoins

While Bitcoin and Ethereum remain the most recognized cryptocurrencies, a plethora of alternative coins (altcoins) are gaining traction. Altcoins can offer unique features and use cases, making them a point of interest for investors. Staying informed about promising altcoins and having a platform at your disposal can help you diversify your crypto portfolio and potentially gain from the growth of these emerging digital assets.

The Green Crypto Movement

Environmental concerns surrounding the energy consumption of cryptocurrency mining have led to the rise of eco-friendly cryptocurrencies. These digital assets use more energy-efficient consensus mechanisms, such as proof-of-stake (PoS), instead of energy-intensive proof-of-work (PoW). The green crypto movement is not only environmentally responsible but also aims to address sustainability concerns in the industry. Traders interested in supporting eco-friendly initiatives may find opportunities to invest in these environmentally-conscious cryptocurrencies.

The Importance of Education and Security

The cryptocurrency market is continuously evolving, making it essential for traders to stay informed and secure. Cybersecurity threats and scams are prevalent in the crypto space, emphasizing the importance of safeguarding your investments. Platforms prioritize user security through robust measures and educational resources. Understanding how to protect your assets and being aware of security best practices is key to thriving in the world of digital currency.

The Expansion of Decentralized Exchanges

Decentralized exchanges (DEXs) are on the rise, providing a more peer-to-peer approach to trading digital assets. DEXs allow users to trade directly from their wallets, reducing the need for intermediaries and centralized exchanges. This trend aligns with the overall shift towards decentralization in the cryptocurrency space. Understanding how to use DEXs and integrate them into your trading strategy can be a game-changer for your crypto investments.

The Role of Institutional Investment

Institutional investors have begun to play a more substantial role in the cryptocurrency market. As big players enter the arena, it can influence market dynamics and bring more legitimacy to the space. For individual traders using platforms, the influx of institutional investment can provide greater market stability and open up opportunities for collaboration.

The Integration of AI and Machine Learning

AI and machine learning are increasingly being used to analyze cryptocurrency market trends and predict price movements. These technologies can provide traders with valuable insights and data-driven strategies. Leveraging AI-powered tools can help you make more informed trading decisions and stay ahead in this ever-evolving market.

Conclusion

In conclusion, the world of digital currency is a rapidly changing landscape with exciting trends on the horizon. From the rise of DeFi and NFTs to evolving regulations and the integration of blockchain technology, the opportunities are abundant. As you navigate these crypto trends, remember that education, security, and staying informed are your best allies. With the right knowledge and tools at your disposal, you can chart a successful course through the ever-expanding world of digital currency. So, embrace the trends, stay vigilant, and let it be your partner in this thrilling journey.

The post Charting the Crypto Course: Trends to Watch in the World of Digital Currency appeared first on WTM - Technology, Business, Finance, Digital Marketing.

However, to make the most of SIPs, investors must follow well-thought-out investment strategies. One way to begin is through the strategic use of an online SIP calculator. The investment tool can help individuals estimate potential returns from mutual funds, determine the best investment timeline, and compute the principal investment they need to route through SIP to reach their goals.

SIP Calculator – In Brief

A SIP calculator is essentially a free online investment tool that helps estimate the potential returns from a mutual fund routed via a systematic investment plan. The tool weighs factors such as principal investment amount, interest rate, investment timeline, and compounding frequency to compute potential returns.

SIP calculators come loaded with a mathematical formula that calculates investment returns within a couple of seconds, based on the user’s input of their best investment plan. SIP calculators are convenient to access, simple to use, and free for all, helping investors make quick and informed decisions about their investments.

SIP Calculator Formula

FV = P [ (1+i)^n-1 ] * (1+i)/iFV

Here,

FV =  Estimated amount

P = Principal amount

i = Compounded rate of interest

n = Investment horizon (in months)

r = Rate of return

Let’s put the formula to the test with this example –

Suppose Medha plans to build a corpus in 24 months. She plans to put Rs. 2000 in mutual funds each month through SIP, hoping to earn a 12% return pa. Hence, as per the systematic investment formula –

FV = P [ (1+i)^n-1 ] * (1+i)/iFV

FV = 2000 * [(1+0.01) ^24 – 1] * (1+0.01)/0.01

The compounded rate of interest is 0.01 (i = r/100/12) 

By the end of 24 months, Medha will earn around. Rs. 54,486.

One can use the same formula to compute the returns on funds through SIP. However, the process would be lengthy and filled with mistakes. This will not offer them accurate numbers. Individuals can save this manual labor and eliminate the room for any errors by simply using an online SIP calculator.  Since the tool is free and allows one to make multiple adjustments to investment inputs, one can compare different combinations and returns and pick one that is most profitable. This way the tool can help individuals to improve their investment planning and strategize their market moves.

Steps to Use SIP Calculator Online

Before using the SIP calculator it is advisable to determine one’s investment goals and identify one’s limitations in terms of principal investment and risk-taking appetite. Having an idea of the same will help them understand whether the results displayed on the tool actually meet their plans or not.

Follow these easy steps to use the SIP calculator online for free –

Step 1: Visit the official website of a reliable investment or financial company

Step 2: Navigate to the SIP calculator page

Step 2: Open the calculator

Step 3: Enter crucial investment details

Step 5: Enter investment frequency, i.e., monthly, quarterly, or half-yearly

Once the information is shared, the online investment tool will display the estimated returns on mutual fund investment via SIP. Within a couple of seconds, the tool will offer a complete breakdown of the interest earned, maturity amount, and more.

Benefits of the Online SIP Calculator

The key benefits of SIP calculator include –

Easy to use

The online SIP calculator is smart, simple, and very easy to use. One does not really need to be tech-savvy or have in-depth knowledge about SIP to use the tool. The online calculator has a user-friendly interface that needs users to enter just a few information, such as principal investment amount, investment frequency, investment tenure, and expected interest rate. Above all, users can access the tool and compute SIP results free of charge.

Saves time

SIP calculators eliminate the need for manual calculation and are loaded with an SIP formula which automates the entire process, saving investors a lot of time. The tool displays estimated returns on SIP based on the information the user shares. In addition, users have the flexible option to adjust their investment variables of the SIP calculator to compare top mutual fund investments and select the best-suited option as per their investment goals.

Facilitates financial planning

An online SIP calculator is a valuable investment tool for comparing SIP options as it enables users to readjust investment variables multiple times, such as principal amount, compounding frequency of rate of returns, and investment horizon. This helps determine the best suitable investment variables that will provide them with inflation-adjusted returns that help them meet their financial goals. The tool also provides insights into how their selected plan will influence their immediate financial situation, particularly their budget.

However, investors should note that SIP calculators only help determine the estimated performance and scope of SIP mutual funds. This means it does not help determine specific outcomes of other investments or financial products. For instance, FD holders cannot use it to determine FD returns or taxpayers cannot use it to determine tax liabilities. They would have to use the FD calculator and tax calculator, respectively to determine their specific queries and outcomes.

Individuals can make the most of this tool to improve their investment and financial planning. For instance, they can increase the intended principal investment amount in SIP as and when their financial standing is supported. They should consider picking a longer investment tenure to reap the benefits of the power of compounding by earning interest on interest. In addition, they should use the tool to understand how the frequency of compounding can influence SIP returns and use the same to streamline their investments. Through this individuals can develop a smart approach to their SIP investment and generate substantial earnings to build a robust corpus.

The post Plan Your Investment With SIP Calculator appeared first on WTM - Technology, Business, Finance, Digital Marketing.

Kohls Credit Card Login

To log in to your Kohl credit card account follow these steps;

Step 1; Visit https;//credit.kohls.com and use your Username and Password to access your Kohls Credit Account.

Step 2; Click on the Login Button to enter your login details and gain access, to your Kohls credit card account.

[Also Read: Step-By-Step Guide to Comcast Email Login]

My Kohls Card Register Online

To get started with registering your Kohls card online follow these steps;

1. Go to the website https;//credit.kohls.com. Click on the Register option.

2. Enter your 12 digit Kohls card number.

3. Provide your Kohls account information, including the numbers associated with your card, security code and zip code.

4. Confirm your details by clicking on Continue.

5. Choose a Username and Password that you’ll remember easily to complete the registration process.

This straightforward process is designed to help users efficiently set up their Kohls card account, for access and easy management purposes.

My Kohls Card Forgot Password

To retrieve your password for your Kohls credit card follow these steps;

1. Go to the Kohls credit card website. Click on the “Forgot Password?” link.

2. Enter your username. Proceed.

3. Verify your identity by providing your date of birth last name and ZIP code.

4. Create a password that meets requirements; It should be, between 8 to 20 characters long include at least one digit have both uppercase and lowercase letters and contain at least one special character.

5. Once you have completed the verification process submit an identification number.

6. You can then access your account using the created password.

This process is designed to help Kohls credit card users regain access to their accounts with added security measures such, as identity verification and password creation.

My Kohls Card Forgot User ID

To retrieve your Kohls card username follow these steps;

1. Go to the Kohls card website. Click on the “Forgot Username” link, in the login section.

2. Enter your card number. Click on “Continue.”

3. Provide the verification details including the date, ZIP code and last name then click on “Next.”

4. Enter the passcode you received for security purposes.

5. You will instantly be able to access and use your case username.

This process is designed to help users who have forgotten their Kohls card username by offering a secure method of recovery with verification steps.

[Also Read: 3 Easy & Simple Ways To Access GoDaddy Email Login in 2023]

How Can I Make an Online Payment to Kohl’s?

To make a payment, for your Kohls card follow these steps;

1. Go to the website www.mykohlscard.com.

2. Enter your login information.

3. Click on the Payments option in the menu bar.

4. If you haven’t already provide your checking and routing numbers on the Manage a Bank Account page.

5. Review the payment details on the Make a Payment screen.

6. Choose the amount you wish to pay and select a date.

7. Enter your email address for confirmation purposes.

8. Double-check all the payment information before submitting the form.

9. Finally click on Approve. You will be directed to a Thank You page.

By following these steps you can easily and efficiently make payments for your Kohls card while ensuring clarity and confirmation, at each stage of the process.

Pay with the Kohl’s App.

To make bill payments convenient you can download the Kohls App, which provides a user interface. You can also use your smartphone for a simple payment process. If you need any assistance there’s 24/7 phone service to help you out. To complete your payment just enter the routing number and bank account details. If you prefer speaking with an agent that option is available too. Additionally, there are alternatives, like Panorama Charter and MyAccountAccess that you can explore for added convenience. This method offers users flexibility and ease when it comes to making bill payments through channels.

Benefits of Kohls Credit Card

To make bill payments more convenient you can download the Kohls App. It offers a user experience. Allows you to quickly and easily make purchases using your mobile device. Additionally, if you ever need assistance there’s a 24/7 telephone service to help you out. To ensure transactions all you need to do is provide your bank account and routing numbers.. If you prefer a personalized touch you can always speak with one of our agents, for customized payment assistance.

Pay by Phone  

1. To make bill payments, for your Mykohlscard you can dial 1 855 264 5748. Access their automated telephone system.

2. If you need any assistance their customer support is available round the clock.

3. During the call you’ll be asked to provide your bank account information along with the routing number.

4. You can smoothly complete your payments while having a conversation with one of their customer support agents.

This payment option over the phone ensures that users have access 24/7 allowing them to efficiently handle their bill payments either through the automated system or, by speaking with a knowledgeable customer support representative.

Pay by Mail

Send a check to the address provided to pay your bills by post.

Customer Service: Kohl’s City of Industry (CA 91716, PO Box 60043)

PO Box 1456 Charlotte, NC 28201

Kohls Credit Card Services

Kohls Credit Card Bill Payment Phone Number

By dialing 8555-664-5448 credit card customers of Kohl’s can make phone payments

Kohls Credit Card Payment Address

There are two options if you need Kohl’s payment address for your credit card. At either address, can you send your payment to:

Kohl’s, P.O. Kohl’s, P.O. Box 60043 City of Industry, CA 91716

Kohl’s P.O. Kohl’s, P.O. Box 1456 Charlotte, NC 28201

[Also Read: Cox Email Login: How To Access Your Cox Webmail Account?]

Customer Services Hours

If you’re facing any problems, with your orders you can get in touch with Kohls Customer Assistance by calling 855 564 5748. They are 24/7. Ready to help?

Feel free to reach out to them anytime using the toll number 855 564 5748 for assistance.

This information is here to assist users who may be experiencing difficulties with their orders. It provides an easily accessible customer assistance number enabling the resolution of any concerns they may have. Additionally, relevant tags are provided for access, to related services.

My Kohls Card Login FAQs

The post My Kohls Card: Login, Registration, Payment, Activate Card Online appeared first on WTM - Technology, Business, Finance, Digital Marketing.

It is a service that enables customers to get the details of the recent transactions made in their bank accounts. To avail of this service, customers are required to first register their mobile number with the bank. Post registration, account holders can get access to the mini statement via different online and offline modes, and that too from anywhere and anytime.

Different Ways to Get a Bank of India Mini Statement

Mentioned below are the different ways to get the Bank of India Mini Statement:

Via Missed Call Service:

Mentioned below are the steps to get a Bank of India Mini Statement via Missed Call Banking:

Step 1: Dial 09015135135 or 09266135135 from the registered mobile number.

Step 2: The call will automatically get disconnected after two to three rings.

Step 3: The Mini Statement will be received via SMS.

This facility can be availed at any time and is free of cost. With the help of this Bank of India Balance Check Number, customers can check their account balances as well. To avail of this service customers are required to get their mobile numbers registered with the bank.

Via Internet Banking:

Mentioned below are the steps to get a Bank of India Mini Statement via Internet Banking:

Step 1: Open the official website of the Bank of India.

Step 2: Log in using your credentials.

Step 3: After successful login, one can also check the account balance.

Step 4: Click on the tab “Account Summary” and then on “Mini Statement”.

Step 5: The mini-statement will then be displayed on the screen.

Via SMS Banking:

Mentioned below are the steps to get a Bank of India Mini Statement via SMS Banking:

Step 1: Firstly, register the mobile number to avail of this service.

Step 2: A 4-digit SMS password will be received after activation.

Step 3: This password will help you to receive the mini statement on the registered mobile number.

Step 4: Send “TRANS SMS Password” and send it to +919810558585 from the registered mobile number.

Step 5: The mini-statement will then be received via SMS containing the details of the last 5 transactions.

By Visiting ATM:

Mentioned below are the steps to get a Bank of India Mini Statement by visiting an ATM:

Step 1: Visit your nearest ATM.

Step 2: Insert the ATM card into the machine.

Step 3: Enter the 4-digit ATM PIN.

Step 4: Select the option “Mini Statement”.

Step 5: The ATM will provide a mini statement and the receipt will include the information about the account’s last 10 transactions.

Via Mobile Banking:

Mentioned below are the steps to get a Bank of India Mini Statement via Mobile Banking:

Step 1: Open any of the 3 apps on your mobile phone.

Step 2: Login using your registered mobile number and MPIN.

Step 3: Generate a PDF of the BOI Mini Statement or email it to your registered email address.

Different Bank of India Mobile Apps

How to Register for the BOI Mobile Banking App

Mentioned below are the steps to register for the BOI Mobile Banking App:

Step 1: Download the BOI mobile app from either the Google Play Store or the Apple App Store.

Step 2: Click on “Next”.

Step 3: Click on “Proceed”.

Step 4: Verify the mobile number by selecting the mobile number.

Step 5: An SMS will be received for verification purposes.

Step 6: Check for the correctness of the mobile number and then click on “Proceed”.

Step 7: Create a User ID.

Step 8: Create a 6-digit PIN with a User ID and click on “Submit”.

Step 9: Register using the “View Only” or “Funds Transfer” facility.

Step 10: For “View Only”, select the Customer ID from the drop-down menu.

Step 11: Enter the debit card details and click on “Submit”.

Step 12: Enter the OTP received on the registered mobile number and click on “Verify”.

Step 13: Enter the transaction password and click on “Submit”.

Step 14: Now sign in and start using the app.

How to Use the BOI Mobile Banking App

Mentioned below are the steps to register for the BOI Mobile Banking App:

Step 1: Download the BOI Mobile app either from the Google Play Store or the Apple App Store.

Step 2: Install the app and register for BOI mobile banking.

Step 3: Login using the mobile number or User ID or Customer ID and login PIN. And then click on “Login”.

Step 4: Click on “My Accounts” to check the bank accounts, their balances, transactions done, and statement, etc.

Step 5: Set the most used transaction as “Favourite” to transact and save time quickly.

Step 6: Click on ‘mPassbook’ to obtain a passbook of the transactions

Step 7: Click on ‘Locator’ to find the location and address of the nearest bank branch and ATM.

Via WhatsApp Banking:

Mentioned below are the steps to get a Bank of India Mini Statement via WhatsApp Banking:

Step 1: Account holders are required to add the BOI WhatApp Number +9666606060.

Step 2: Now, send “Hi” on the number.

Step 3: To check the account balance, send 1, and to get the mini statement, send 2.

Step 4: The message should be sent from the registered mobile number.

The post Bank of India Mini Statement Number appeared first on WTM - Technology, Business, Finance, Digital Marketing.

Overnight Funds:

Overnight funds are the go-to choice for investors seeking safety and liquidity. They invest in very short-term debt instruments with maturities usually not exceeding one day, making these funds ideal investments when safety and liquidity are priority factors for your portfolio. Here’s why these overnight funds deserve consideration:

Safety:

Overnight Funds provide one of the safest investment options, prioritizing capital preservation over all else.

Liquidity:

Need quick access to your money? Overnight Funds offer instant redemption of investments within one business day – ideal for emergencies or short-term parking of funds.

Steady Returns:

While returns may not match some riskier options, overnight funds provide a steady source of income that often outstrips savings accounts.

Ultra Short-Term Funds:

Ultra Short-Term Funds are an attractive balance of safety and returns. Investing in debt instruments with slightly longer maturities compared to Overnight Funds (usually days to several months), they offer greater security compared to overnight investments. Here’s why these may be wise choices:

Ultra Short-Term Funds may offer enhanced returns:

With slightly longer maturities than Overnight Funds, Ultra Short-Term Funds have the potential for higher returns while prioritizing safety.

Diversification:

Debt funds offer greater diversification across a variety of debt instruments to lower risk associated with investing in one issuer.

Ultra Short-Term Bond Funds Are Lower Volatility:

Ultra Short-Term Funds typically experience lower price fluctuations compared to longer-term bond funds, making them less sensitive to interest rate changes.

Short-Term Funds:

Investors looking for something with a slightly longer investment horizon might consider Short-Term Funds an attractive investment choice. These funds typically invest in debt instruments with maturities between one month and three years – these short-term investments offer several potential advantages:

Short-Term Funds Are Suited for Medium-term Goals:

With their higher potential returns compared to Overnight and Ultra Short-Term Funds, short-term funds may provide greater returns when used towards medium-term goals.

Diversification:

Short-Term Funds can, like Ultra Short-Term Funds, diversify their holdings across numerous issuers and securities to reduce risk and spread exposure evenly among various issuers and securities.

Flexibility:

While Short-Term Funds do not provide as quick access to invested capital as Overnight Funds do, they still allow relatively easy and quick withdrawal of your invested funds.

Conclusion:

Selecting the ideal fund depends on your financial goals and risk preferences. Overnight Funds offer safety and liquidity in emergencies; Ultra Short-Term Funds provide a balance of safety and returns; Short-Term Funds offer higher returns for medium-term goals.

Before investing, consult with a financial advisor and assess your investment horizon and risk tolerance carefully. Diversifying your portfolio by including overnight, ultra short-term, and short-term funds can help create a well-balanced approach that ensures that financial goals are achieved while keeping capital secure – remember it’s always wiser to approach investing with long-term plans in mind!

The post Maximizing Returns with Overnight, Ultra, and Short-term Funds appeared first on WTM - Technology, Business, Finance, Digital Marketing.

This article explores the essential health insurance regulations that every policyholder should have a solid understanding of. Furthermore, we will explore the best health insurance plans accessible in India.

Understanding Health Insurance

Health insurance is a financial investment designed to offer coverage for medical expenses. It serves as a crucial safeguard against the potentially overwhelming financial burden of unexpected healthcare costs. When considering insurance, selecting a plan that aligns with your unique needs and preferences is imperative.

Health Insurance Regulations You Must Know About

Policyholders must be aware of health insurance regulations to ensure they receive necessary coverage. Recent changes, notably those established by the Insurance Regulatory and Development Authority of India (IRDAI), have brought significant alterations that benefit policyholders:

●      Exclusions

Insurance policies include exclusions — conditions or treatments not covered. Traditionally, policies excluded coverage for lifestyle-related diseases, cosmetic procedures/plastic surgery, and sexually transmitted diseases. Under new IRDAI standards, significant changes have occurred. Although lifestyle-related issues and cosmetic procedures continue to be excluded, there is a noteworthy change in medical insurance.

Conditions such as hereditary diseases, psychiatric disorders, mental health concerns, depression, and neurodevelopment disorders are no longer categorised as exclusions. This shift not only contributes to reducing the stigma surrounding mental health issues but also extends insurance coverage to individuals dealing with these conditions.

●      Alternative Medicine

Previously, alternative treatments like Ayurveda and Unani procedures were often excluded. With new IRDAI standards, policyholders can now claim coverage for alternative procedures, commonly referred to as AYUSH. For comprehensive insurance covering alternative therapies, consider discussing Ayush coverage with your insurance provider. Providers like Niva Bupa often include AYUSH coverage in all policies.

●      Claim Rejection

Under IRDAI regulations, an insurance company cannot deny a claim if the policy has been renewed without interruption for the past eight years. The moratorium period lasts eight years. Exceptions include fraud cases and claims against policy exclusions after the moratorium period.

Insurance companies cannot appeal to the IRDAI to deny such claims. Claim rejection cannot be based on deception or non-disclosure by the policyholder. The IRDAI has granted insurers eight years to verify information provided by policyholders, preventing claim denial on that basis.

Which Health Insurance is Best in India

When you’re in the market for India’s best health insurance policy, it’s crucial to look into a handful of standout providers. Let’s delve into the top three insurance companies in India, highlighting their offerings and features:

Niva Bupa

• Comprehensive Coverage: Niva Bupa takes pride in offering a diverse range of insurance plans meticulously crafted to meet a multitude of needs. Whether you’re an individual, part of a family or a senior citizen, their plans are thoughtfully tailored to match your distinct needs.

• Extensive Network: With a vast network of hospitals and healthcare providers across India, Niva Bupa ensures that policyholders can conveniently access quality medical care.

• Quick and Hassle-Free Claims: Niva Bupa is renowned for its efficient and hassle-free claims settlement process. When you need support the most, a quick claims process can make a significant difference, and Niva Bupa excels in this regard.

• Innovative Features: Niva Bupa’s policies often include innovative features such as coverage for critical illnesses and maternity benefits, providing comprehensive protection to policyholders.

• Customer-Centric Approach: Niva Bupa is committed to offering excellent customer service, with a dedicated support team to assist policyholders throughout their insurance journey.

ICICI Lombard

• Wide Range of Plans: ICICI Lombard offers extensive medical insurance plans catering to diverse needs and preferences.

• Cashless Hospitalisation: ICICI Lombard has a network of hospitals that offer cashless hospitalisation, making the claims process smoother.

• Quick Claims Settlement: They are known for their efficient claims settlement process, ensuring that policyholders receive timely assistance.

• Value-Added Benefits: ICICI Lombard often provides additional benefits like wellness programs and health check-ups.

Bajaj Allianz

• Versatility in Coverage: Bajaj Allianz provides adaptable medical insurance plans, allowing policyholders to tailor their coverage to meet their specific requirements.

• Coverage for Maternity and Newborns: They offer comprehensive coverage for maternity and newborns, making it an ideal choice for families planning to expand.

• Critical Illness Coverage: Bajaj Allianz’s policies frequently include coverage for critical illnesses, offering extra security in challenging times.

• Easy Online Services: They offer a seamless online interface for policyholders to conveniently manage their insurance and claims.

Conclusion

Health insurance is a fundamental component of sound financial planning, and understanding the associated regulations is vital. When it comes to choosing the best health insurance policy in India, Niva Bupa stands out due to its comprehensive coverage, extensive network, streamlined claims process, innovative features, and customer-focused approach.

To explore Niva Bupa’s medical insurance options and make an informed decision, visit their website today.

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Whether you’re a first-time buyer or a seasoned investor, expert tips in this blog will empower you to confidently navigate the negotiation process for a 1 BHK in Kalyan. With these insights, securing a favourable deal that doesn’t compromise on quality or location becomes within reach.

Why Buy a 1 BHK in Kalyan?

Choosing a place to call home is a significant decision, requiring careful consideration of multiple factors. When considering Kalyan, a city in the heart of Maharashtra, the option of investing in a 1 BHK flat offers several compelling advantages. Let us explore why purchasing a 1 BHK in Kalyan can be both astute and rewarding.

1. Affordability and Value Proposition

Kalyan shines as an excellent choice for individuals and families searching for affordable housing options. The real estate market in Kalyan provides a wide range of 1 BHK flats tailored to different budgets, guaranteeing quality without compromise. This affordability factor appeals particularly to first-time home­buyers looking to lay down roots.

2. Proximity to Mumbai

Its strategic location in relation to Mumbai is undeniably one of its most appealing features. Situated within the Mumbai Metropolitan Region, Kalyan boasts the unique advantage of being seamlessly connected to the bustling city while offering a more tranquil and serene living environment. This attribute proves advantageous for individuals seeking a re­spite from Mumbai’s energetic pace yet desiring convenient access to their workplaces in the city.

3. Amenities and Lifestyle

Kalyan offers an affordable yet comfortable and modern lifestyle. The city is equipped with various amenities, such as shopping centres, educational institutions, and healthcare facilities. Residents can enjoy the advantages of urban living without experiencing the usual congestion and chaos associated with larger cities.

4. Investment Opportunity

Buying a 1 BHK in Kalyan isn’t just about finding a home; it’s also a potential investment opportunity. The city’s ongoing development and growth directly impact the real estate market. As a result, your 1 BHK in Kalyan will offer a comfortable living space and potentially become a valuable asset as time progresses.

Factors to Remember While Negotiating a 1 BHK in Kalyan

To negotiate the price for a 1 BHK in Kalyan, one must approach it strategically and possess knowledge about the local real estate market. Several essential factors should be considered during the negotiation process for a 1 BHK in Kalyan.

1. Market Research is Key: Before entering the negotiation process for a 1 BHK in Kalyan, thoroughly research Kalyan’s current real estate market trends. Get an idea of the average cost of a 1 BHK flat in different areas, considering amenities, availability, and infrastructure.
2. Inspect the Property: Once you find a suitable 1 BHK in Kalyan, inspect it thoroughly. Keep an eye out for any repairs, upkeep, or renovations that need to be done. You can use these points to your advantage during the negotiation process of a 1 BHK in Kalyan.
3. Know Your Budget: Setting a budget ahead of time is an ideal decision, and it is vital that you stick with it. Understanding where you stand financially will help you negotiate with confidence and prevent you from overspending once you purchase a 1 BHK in Kalyan.
4. Understand the Seller’s Perspective: Gain insight into the seller’s motivations. Is the property dealer in a rush to sell the 1 BHK in Kalyan you’re interested in? Is there any external influence affecting the property dealer’s decision-making process? Understanding the property dealer’s point of view can assist in formulating an appropriate negotiation approach.
5. Highlight Comparative Properties: During the negotiation process, referring to other comparable properties in the vicinity that are available for sale at a reduced price is beneficial. This can serve as the seller’s reference point and give you the bargaining power to negotiate for a better deal.
6. Be Patient: Negotiations don’t happen overnight. So, don’t rush the process; being too hasty could damage your bargaining power. Be ready for a counteroffer for the 1 BHK in Kalyan you’re interested in, and consider it carefully.
7. Prepare to Walk Away: Sometimes, the most effective way to negotiate is to be prepared to terminate the agreement if the terms are unsatisfactory. This demonstrates to the seller that you are serious about the purchase and can encourage them to reconsider their position.

Secure a Positive Homeownership Experience

Negotiating the price for a 1 BHK in Kalyan requires research, strategy, and effective communication. By understanding the local market trends, assessing the property’s condition, and employing these negotiation tips, you can confidently navigate the process. Remember, a successful negotiation ensures a fair price and sets the foundation for a positive homeownership experience in the vibrant city of Kalyan.

With these insights, you can secure your ideal 1 BHK in Kalyan at the best price. If you are looking for not only a great price but also an exceptional living experience, then Mahindra Happinest Kalyan – 2 by Mahindra Lifespaces is ideal for you. Take your homeownership journey to the next level with their thoughtfully designed 1 BHK in Kalyan that offers a balance of comfort and convenience. Your perfect 1 BHK in Kalyan is just a click away – seize the opportunity now!

The post 7 Tips to Negotiate Price for a 1 BHK in Kalyan appeared first on WTM - Technology, Business, Finance, Digital Marketing.

When you use these credit cards correctly, you will receive numerous benefits. Here are some unique tips that can help you utilise these cards perfectly:

●    Set Out a Credit Limit

You can easily adjust the credit card limit effectively. You should request the provider of the best credit card in India to set up a limit. That way, you can settle all the payments right before the due date. Higher credit limits can lead to overspending, but low credit limits can hamper all crucial transactions.

That’s why you should set up a correct credit limit, as it will pay the credit card bills on time and will not have a negative impact on your credit score.

●    Regularly Check the Statements of the Credit Card

Once you go to the ‘’credit card apply online’option, it’s guaranteed that you will get your credit card on time. But remember, just like the bank statements, the credit cards, too, have statements, which you have to keep on checking regularly.

You must tally the statement that is billed to you against all those payment receipts that you obtain at the point of sale. Doing so will enable you to prioritise and manage your funds properly. You will also get the chance to avoid and identify all the charges that you might have missed out on before.

At times, you will come across the merchant’s name appearing in a different manner on these statements. Due to such reasons, you have to go through all the transactions effectively.

●    Utilise all the Reward Points

On certain occasions, you will find out that some of the best credit cards come with reward points once you start utilising them. The credit cards from IDFC FIRST Bank provide never-expiring and unlimited reward points, which you can use without much hassle. You can also easily redeem the rewards points when using these credit cards.

●    Carry Your Credit Cards When Travelling

When you’re planning to travel across the nation or want to visit a different country, it’s important to carry your credit card with you. At times, you might not get the chance to exchange currency, so using credit cards to make all purchases will surely help.

The credit cards from IDFC FIRST Bank will give you lounge access at the railway stations and the airports. Apart from that, you will get the opportunity to receive discounts on food in over 280 eateries across India.

Wrapping Up

Having a credit card can help you get cash immediately from any nearby ATM. These cards are ideal for situations when you need money for weddings, medicines or other things. You can also use credit cards when travelling, visiting restaurants, shopping and many more.

The post Tips for Using the Best Credit Card in India to Your Advantage appeared first on WTM - Technology, Business, Finance, Digital Marketing.