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4 Investment Tips for Maximum ULIP Returns

Over the years, ULIPs have gained notoriety as an investment tool because of its dual benefit of providing a life cover and of creating corpus through market-linked returns.

Let’s find out in this piece how to choose a ULIP plan for your investments.

1. Identify your life goals

Before you start investing, the first step you take is to recognise the reason why you are investing. Make a checklist of your life goals. When you invest in specific goals, your investments are sorted. Determine the amount you need to fulfil this objective. A calculator with basic inflation rate will tell you the estimated funds you need. Based on this amount, you can recognise how much you need to invest in Unit-linked insurance plans to support your expenditure.

2. Assess your risk appetite

Higher the risk, higher the returns. But, taking high risks is not everyone’s forte. Some investors are more involved in capital preservation and steady returns. Your risk apetite depends on your income. If you expect to earn more each year, you can endure risk and allocate funds respectively. Investment products should provide to the changing risk appetite of investors. That’s why ULIPs are one of the favoured investment options available for you, irrespective of your risk appetite. You can invest from low-risk debt funds or balanced funds to high-risk equity funds in ULIPs to meet your investment objectives.

3. Understand the additional charges

Price structure in ULIPs differs from one plan to another. Hence, it is necessary to understand the charges linked with ULIPs before you invest. This will give you a better knowledge of your money that is being invested in multiple funds. Insurance companies deduct a small amount from your premium before putting them in market-linked funds. The amount deducted goes towards different charges like premium allocation charge, mortality charge, fund management charge and others. The overall charges, however, have been capped by IRDAI at 3% of gross yield for policies with a term of up to 10 years. And 2.25% for policies with more than 10 years term. The good part is that some new-age ULIPs have zero premium allocation charge and policy administration charge. Also, some are even returning the mortality charges on the maturity of the policy, making ULIPs more economical.

4. Assess the flexibility of your investment

Your investments should be effective and flexible so that they can be customised as per your need and risk appetite. The structure of ULIPs is such that it allows you to customise your life insurance plan as per your life purpose, needs and risk appetite. ULIP investment will allow you to select your premium payment option to be either monthly, quarterly, half-yearly or yearly. This provides you with the adaptability to make small contributions every month in a disciplined manner instead of investing a large amount annually. ULIPs also provide the option to swap between the equity or debt funds to capitalise on market fluctuations.

These tips can help you make better investment decisions when you put your capital in ULIPs. With stable and regular investments in ULIPs, you can end up with a large corpus of funds to meet your life goals right on time.

Why Plagiarism Checkers Are Needed In Scientific Papers?

Plagiarism has become quite common these days. But most people don’t know that it is a serious issue. Every researcher wants to find out how to avoid plagiarized text. It is the right time for every scientific researcher to understand that there are ethical guidelines that they should follow while writing a scientific paper. You can use your own ideas and write a paper without taking content from the original source. Some words from the original source content can be added to your scientific papers by citing them or using quotations. This can not only support your work but also helps avoid plagiarism.

Plagiarism refers to the use of other people’s work or ideas in a research paper without giving credit to the actual authors whether intentionally or unintentionally. Plagiarism can lead to highly inappropriate consequences like the loss of reputation/author credibility and paper retractions. It is thus important for those writing scientific papers to increase their knowledge about plagiarism and use a plagiarism checker for scientific papers. Below are the main reasons why plagiarism checkers are important in research papers:

They deter researchers from plagiarizing

The plagiarism checking tools offer an excellent method to deter researchers from copying anything that has been published already. Every research paper goes through plagiarism checkers, so writers should ensure to check for plagiarism.

They are time-conservative tools

The online plagiarism checkers check various databases and websites to find the uniqueness of the content. It is advantageous for the writers as they would have to otherwise check the individual database and website. The plagiarism checkers highlight the plagiarized content. They also indicate the links to the databases or pages where the content is located. All this can be done within minutes and thus make plagiarism checkers a time-saving tool.

They can help improve your paraphrasing abilities

When a plagiarism checker finds any similarities between your scientific paper and any external work, it will provide you a percentage that will show you how much similar the wording is. So, the tool will help improve your paraphrasing abilities and prevent potential plagiarism problems as well.

They make you confident as your work is free of plagiarism

Writing a research paper is already pretty stressful. If you run the paper through a checker before submitting it to your teacher, you can stay relaxed knowing that no issues will be there with the included information from external sources. By using a checker, you can tweak your content wherever you find any plagiarism.

Running your research paper is a short procedure once you complete your paper. It is an important job that you should do before submitting your paper. It will be worth it as it reduces potential issues that might occur later on. Ensure to check your whole paper so that you keep away from any kind of duplicate content issues.

What is Laparoscopic Hysterectomy and How is it Performed?

In India, 6% of the women aged 30 to 49 years had undergone a hysterectomy between 2015 and 2016. The percentage is even higher in women aged 45 to 49 years. While it is quite a major surgery, the risks and discomforts have been significantly lowered with advanced medical technologies. One such approach is laparoscopic hysterectomy. It is a less invasive way to remove the uterus to reduce heavy bleeding, pelvic pain, and a prolapsed uterine. Besides the uterus, the ovaries, fallopian tubes, and cervix are removed too in certain cases. If you wish to get a hysterectomy done or simply learn about the same, here is a detailed insight into the process.

Laparoscopic Hysterectomy

In this surgical procedure, a tiny cut is made in the belly button. This is used to insert a camera to get clear imaging on the screen outside. Through another incision, a thin tube with a light is made to pass on it. This is called the laparoscope. Other special surgical instruments like needle driver, bowel grasper, and trocar are used to remove the uterus. It is usually cut into several pieces for easy removal. This is known as supracervical laparoscopy. Additionally, there are several different types of laparoscopic hysterectomy.

Vaginal Laparoscopic Hysterectomy

In this process, the uterus is detached from the fallopian tubes, connective tissues, blood vessels, and ovaries first. Next, it is carefully removed through the vagina. This comparatively takes lesser time than an abdominal hysterectomy but usually both ensure safe and optimum results. You are to notice pink, brownish, or red vaginal discharge for two to four weeks, which is normal. If you smell a bad odor, do see your doctor.

Total Laparoscopic Hysterectomy

Women are free to decide if they wish to keep the cervix intact or eliminate it too. The entire cervix can be removed through a total hysterectomy. You must know that not removing the cervix has a 5% chance of monthly spotting during periods. Contact your doctor to understand which option will align with your underlying medical conditions the best.

Benefits of Laparoscopic Hysterectomy

Laparoscopy offers numerous potential benefits, which is why it is popular among most women. Have a look at how it helps improve the surgical experience:

Significantly less blood loss, which is particularly helpful for anemic patients.
Less likely to experience pain and strains in the lower body.
It is an outpatient service that requires no hospital stay.
The chances of infections in the vagina, bladder, or abdomen.
The recovery time frame is one to two weeks at the most.
It does not restrict any sexual functions, in fact, improves them in several ways.

After a hysterectomy, increase daily activities gradually. Begin with shorter walks before walking for longer distances. Avoid lifting heavy weights for the next few weeks. Try not to use any vaginal products or shove tampons for the initial two months. Lastly, check with your doctor to know when it is safe to restart intercourse.

Pediatrician in Vijayawada: How to choose the best one for your child

When you’re a new (or soon-to-be) mom, it’s important you learn how to choose a pediatrician for you and your baby. This is important not just for the duration while your child is a baby, but also until your little one reaches young adulthood. Here’s a simple guide to choosing the best pediatrician in Vijayawada for your child.

Ask fellow moms for recommendations

You must surely have many mothers in your network of contacts, which means you have dozens of sources from where to get recommendations from. You may begin with the most-trusted network – your friends or family or who themselves are moms. Look for doctor names that come up several times. Being recommended by two or more of your trustworthy contact should say a lot about the doctor. Next, schedule an initial consultation to interview the best pediatricians in Vijayawada. You can then check out for yourself whether the doctor is really the right choice for your child.

Ask Probing Questions

There may be several diverse things you may be looking for in your choice of doctor. However, try and look for answers to some pertinent questions when meeting a pediatrician – is the doctor comfortable answering questions, does he or she take time to listen and discuss your concerns, is he or she warm, sensitive and professional in their approach, is the office staff patient and helpful, etc. Other factors to consider can be the waiting area (is it pleasant and kid-friendly?), the parking (is it convenient and plentiful?) and the waiting period (how long is the wait?).

Considering office location

While narrowing down your choices for a pediatrician, do consider the location of their office or the children’s hospital in Vijayawada. Babies must see their pediatrician a number of times during the first year of life — nearly once in two-three months. Choosing a doctor closer to your home, work, or daycare will be more convenient and will also save time. If you do not have your own vehicle, choose a doctor with offices that are easily accessible via public transportation.

Availability of the doctor

Inquire about the doctor’s availability and the office timings, which will include the after-hours care. Also, inquire about emergencies and about the doctor’s availability on call in situations where your child develops high fever in the middle of the night.

The first checkup

While consulting the best pediatricians in Vijayawada, enquire if they’ll be completing your baby’s first checkup at the hospital where the delivery is happening. Some pediatricians may visit your baby shortly after delivery, but only if they’re affiliated to the hospital you’re in. If not, your baby will have to go through a checkup from a hospital-affiliated doctor and then have another checkup at your pediatrician’s office 5 days after delivery.

To sum it up, the best pediatrician in Vijayawada will be one who will be willing to listen patiently and respond to all your requirements and is available when you need him or her to be.

How to plan for an early retirement

Have you been dreaming about early retirement? Are you craving an early escape from the rat race? You are not alone! Many people, whether it’s to pursue a passion, start a business, travel, or just to stop working, search for pension plans in India.

But retirement planning includes more than searching for the right pension plans. It becomes trickier if you are planning to retire early.

With enough work and discipline, you can plan well for your early retirement. Here are the key steps to help you get started.

1. Estimate your retirement expenses

The first crucial step in retirement planning is to estimate your post-retirement expenses, especially if you are retiring early. Estimate how much money you will need as your monthly expenses after your retirement. This includes essential expenses such as food, housing, clothing, transportation, utilities, healthcare, and insurance.

Try to enter retirement debt-free. However, if you still have pending debts after retirement be sure to these payments are included in your retirement corpus.

2. Calculate how much retirement corpus you will need

Once you have calculated your post-retirement expenses, the next step is to calculate how much money you should save. How to do that? There are several approaches you can try. One of the simplest ways is to build a corpus between 25 and 30 times your expected yearly expenses. Or you can try a pension calculator to make things easier.

3. Manage your current budget and expenses

Now that you have decided on the amount you need to save you will need to discipline your current expenses. A study has observed that people who plan to retire early live on 50% (or less) of their income. So they can use the remaining amount to debts and invest in pension plans.

You can discipline your current budget in three ways:

Spend less
Earn more
Do both

Instead of blindly cutting on your expenses, understand where your money goes. List down your regular expenses and decide which is less important and where you can cut back. For this, you can try budgeting apps that make this process a bit easier.

4. Invest in inflation-beating instruments

Based on your risk appetite and savings you can choose pension plans that invest in options that offer inflation-touching returns. Equities are one such investment option that helps you build a sizeable retirement corpus.

You can either invest in equities directly via stocks. Or for better safety and assured returns choose the mutual funds and pension plans that invest in equities and offer diversification.

Apart from this, don’t neglect the fixed-income instruments such as FD to balance your portfolio and the financial risk.

Following these easy steps at the earliest will help you retire risk-free and tension-free.

How to build funds for retired life?

It is a wise choice to plan your retirement beforehand when you finally settle down to live a content life. You can choose to invest in multiple things to get the benefits, post your retirement. We are here to add value to the factors you might want to consider before you make a decision. For instance, you must think over your spending requirements, the time horizon when you want to retire, your risk appetite, after-tax returns and many more points. A thorough introspection can improve your post-retirement life unimaginably and can enable you to live independently despite the limitations that come along with age.

It can be a term deposit or you might opt to invest in mutual funds online considering different factors such as the Net Asset Value (NAV) of mutual funds, Asset Unit Management (AUM). However, the NAV of mutual funds is not a much relevant parameter to rely on while choosing your investment.

To understand it better, let us dive into the definition of NAV which is the value of 1 unit of mutual fund in the market. The relevance of a higher NAV remains only to give you an idea that the particular asset had been performing well for a long time minus the liabilities and the expenses. While an individual investor like you should focus more on performance and returns. This will help you in taking calculated risks while planning your retirement.

To build a functional retirement plan, you should define your objectives and have a sense of clarity about your desired standard of living. This will help you in striking a balance between your investments and post-retirement goals. Calculate your time span of investment and ponder over it thoroughly so that you can build a portfolio that will be flexible and allow for adaptability in the hour of need. A flexible portfolio is going to be a great utility if you choose to invest in mutual funds online.

These days the burden of post-retirement care lies on the shoulders of the individual investors only especially in the private sector. Due to the prevalence of the unorganised sector, it becomes difficult to rely on the employer in these dynamic times to ensure a foolproof pension scheme. Therefore, it is better that you look into it as early as possible with an adaptable plan and flexible portfolio to complement the changing times.

To sum it up, make sure there is a balance between your risk tolerance and your investment goals. Manage your returns well and don’t mind reinvesting your returns. It remains crucial that you keep yourself updated and thus, your portfolio. Such an approach will not only make you financially disciplined but also improve your competence over time. Another advice that we wish to leave you with, is that do not forget and overlook the after-tax returns. Tax, unless studied properly, might be a heavy toll on the investment of your hard-earned money.

Reasons for growing popularity of ACCA course

Certified courses like ACCA can boost your professional career. ACCA stands for the Association of Chartered Certified Accountants. This leading global body on accounting is famous for its position in the financial realm. If you are looking for a prestigious course, ACCA is among the best that you can pursue. However, the course is growing in popularity due to a lot of reasons. Let us take a look at some of the factors that contribute to the growing popularity of the ACCA course.

The ability to work globally

A very lucrative point about this course is that you would be able to work anywhere in the globe. Once you clear the ACCA levels, you would be free to work anywhere. The ACCA is recognized by a lot of international organizations like the World Bank and the United Nations. The body has strong ties to different accounting bodies and with educational institutes and employers all around the world. You would be stepping into a world full of possibilities.

Knowing about the international standards

The ACCA qualification will help you to learn about auditing standards and international accounting. It will become easier for you to hunt for a job outside the country. Witch some coaching from ACCA classes in Mumbai, you would be able to work anywhere where the standards are acceptable.

A great demand for ACCA professionals

You will find an increasing demand for ACCA professionals in employers. The ACCA curriculum fills individuals with skills that make them very suitable to different business types. Not only do they become aware of the different accounting skills, but they also go on to become great leaders. This comprehensive course will surely reflect confidence in your CV.

Enjoy a great professional status

The course will offer you a good professional status when you become qualified. Since the demand for such professionals is quite high, you will earn respect no matter wherever you go. With proper ACCA coaching, you would become very confident in the subject matter and take on challenging positions as you move forward. The corporate world will have a great demand for your professional skills.

Career prospects are high

The ACCA has a lot of approved employers around the globe. This improves your career prospects. You will earn very challenging opportunities through partner organizations. The ACCA members work with these organizations to create better opportunities. Thus the students can enjoy good career prospects. Students often take the help of ACCA online classes to pass the multiple levels of the exam.

The comprehensive course is very fruitful

The course structure has lots of topics like taxation, business management, financial management, accounting, law, and professional ethics. The subjects together make this course a very effective one. This is one of the reasons ACCA members earn high success.

Employees have flexible options

The ACCA exam is conducted once in June and once in December. You would be able to appear for the exams up to 10 years once you register. If you do not want to clear the exams in one go, you have the option to skip.

All of these reasons are contributing heavily to the popularity of the ACCA course.

Delhi Metro Travel Guidelines and Personal Safety Measures While On-Board

After a hiatus of six months since the beginning of lockdown in India, Delhi Metro has resumed services from September 7, 2020. The lifeline of the national capital caters to 1.5 million passengers and 2,700 trips daily. Therefore, the DMRC has issued strict protocols for commuters to contain the spread of the coronavirus. Crowd management is imperative at this point, so all travelers must adhere to the new guidelines. Otherwise, you might be subjected to hefty fines since 92 people have already been penalized in the early days, according to an official report. If you are to board the metro anytime soon, here’s a useful guide to a smooth travel experience.

Entry/Exit Gates

All the gates at every metro station will not be operational. Only one to two permitted gates will be opened for public usage at different points in time. To get a full list of the earmarked entry points of your destination, check the DMRC official website. If you wish to use the airport express line after deboarding your Kolkata to Delhi flight, look up your metro gate’s location beforehand. This will save you from wasting precious time or moving around with your luggage.

Safety Measures

The DMRC will not allow passengers to enter without masks. Also, you need to wait before the automatic thermal screening and hand sanitization machines at the gates. Additionally, everyone is encouraged to make the best use of sanitizer dispensers installed at several stations across New Delhi and NCR. Personally, make sure to carry your disinfectants, wet wipes, and tissues for added safety. After landing in the city via Chennai to Delhi flights, ensure updating your health status on the Aarogya Setu App.

Extra Time

DMRC officials are requesting future commuters to keep buffer time in hand. Since many of the rules are to be followed, the travel time might get increased. Therefore, if you are taking the airport line to catch your Delhi to Pune flights, leave your home at least 20 to 30 minutes earlier than usual.

In-Station Measures

Not more than two to three people will be allowed in the lift, depending on the capacity. You will have to stand on alternate steps at the elevators. While following these measures, continue to sanitize your hands as frequently as possible. Try not to touch lift buttons or handrails, or at least wear gloves to eliminate the risks. Further, no tokens will be issued, but only smart cards will be allowed.

Measures Inside Trains

You are advised to sit on alternate seats only and maintain adequate distance from fellow passengers. Follow the marks put by DMRC and alert people if they are coming in close contact. Know that metros are not permitted to stop at containment zones. The stoppage times at other stations have been increased by 10 seconds to avoid pulling and pushing during rush hours.

Regular announcements are being made at the stations to remind you of the safety regulations. If you are travelling to the airport to board your Delhi to Pune flights, listen to the instructions carefully. This will save you from unnecessary troubles before your journey begins. The DMRC has taken sufficient steps to avoid the human interface. Precautions at your end can help make this initiative all the more successful.

Things You Should Check Before Finalizing a Property

Under the shadow of COVID-19, the income of about 63% of Indians has been impacted heavily. Another 43% of the Indian population has entered a state of depression ever since the pandemic has set in. Given the unpredictable dystopian world we are residing in, buyers have become sceptical about investing money in new properties. Multiple parameters need to be cross-checked to get the house of your dream.

Construction and project delays have increased the demands of ready-to-move-in flats. You might end up paying higher prices than usual, which further affects your lifestyle and finances. Buying a property is a one-time decision, so avoid rushing, step back, and analyze the situation. Below are a few factors to tick off so that you don’t end up regretting your decision.

Builder’s Paperwork

Before settling for flats in Bangalore, check the history and reputation of the property developer. Additionally, ensure zero loopholes in legal approvals and licenses. The builder must be able to show you proofs of work commencement and no-objection certificates, approved building plans, encumbrance and mutation papers, sale deeds, occupancy documents, and environment clearance. Also, in case you are buying in resale, check for property tax papers to ensure there are no outstanding bills.

Future Resale Potential

Although purchasing a house is an event of a lifetime, you might have to shift places in the future for multiple reasons. Therefore, before finalizing the property, check a few resale factors. It must have a great curb appeal, convenient location, stellar amenities, impressive layout, safe neighbourhood, and scope for upgrades. Also, ensure no matter how old the houses in Mumbai are, they can be maintained in good shape to improve the chances of resale.

Bank Collaborations

Top banks usually do not finance projects which carry any amount of risk or uncertainty. For example, off-the-plan developments are tricky to get past the bank. Bank officials perform thorough verifications before approving a loan for a project. Visit the branch to understand the rules and regulations first before registering a property for a loan. Most importantly, you can ensure the builder already has the residential complex pre-approved for loans from at least one bank.

The Overheads

After shortlisting your favourite property in Delhi, do look out for the additional fixed charges. You might have to pay for developmental fees, preferred location and floor, service tax, and club memberships, which can exceed your budget. Therefore, insist on knowing the final cost of the house (inclusive of all add-ons) before finalising it. This can save you from forcefully paying hidden charges at a later stage, when it may be too late to step back.

Construction Quality

Sturdy construction is of paramount importance for personal safety as well as to avoid making expenses for repair work at a later stage. Check the structure design, wall finishing, floors, tiles, plasters, and the condition of the elevators. You can also ask for a copy of the soil test certificates to know if the base is suitable for high-rise buildings. In case it is an under-construction property, don’t hesitate to check the strength of the concrete mix.

To get your hands on your desired flats in Bangalore or any other metropolitan city, get in touch with local property experts. They will note down your individual requirements and let you choose from a list of over 300 houses. In fact, you can get homes shortlisted on the basis of your preferred amenities and EMI too.

Online Essay Grader: The Quickest Way to Grade for Teachers

The final grade of a student’s test paper should be solely determined on the basis of the content of that paper. However, there could be times when teachers, who are human after all, are influenced by cultural stereotypes or personal biases. In fact, racial discrimination might be more rampant than we imagine in the educational landscape.

Prejudiced markings could lead to harsh punishments or remedial classes, if a student does not score the desired grades. This would be unfair if the grading was unconsciously biased. Fortunately, there is an easy way out of such a situation. With an online essay grader, you can be sure that the content has been scored purely for its merit, without any human bias.

If you’re unsure of this software, here’s why the top educational institutions prefer such tools.

Benefits of Automated Grading

One of biggest advantages of such software is that it can eliminate hours of effort. It has been designed to read, analyze and determine the grade in less than one minute per essay. The essay checker for colleges can process millions of projects to offer an unbiased, accurate score to students.

In fact, the process of manually checking is extremely hectic and can take up hours to just check a few papers. Besides the massive time consumption, loads of resources are also required to grade open-ended answers. Instructors might become prone to careless errors due to lack of concentration, exhaustion, or due to the pressure of deadlines. This keeps even the most meritorious student from achieving good grades. Therefore, while proofreading, it is a smart choice to use online tools.

How Do Grading Tools Work?

An essay checker ensures fast and accurate results. But professors often wonder how it is made possible. Well, the first step is to choose an artificial intelligence-based tool, which is ideal for AP exams, board exams and standardized tests. These can check tens of thousands of essays within minutes, without compromising on quality.

The tool can completely replace human test graders, since the AI algorithm learns the patterns from less than 500 samples. The software understands what an essay should comprise of, according to the system’s predetermined grading scale. It learns what is perfect and what is not in a matter of seconds. The tool is never affected by any external factors and can read and compute scores most precisely.

Teachers can rest assured that the grade has been generated solely based on the quality of work. In fact, you can also determine the average grade of the entire batch.

Choose an online essay grader that can work with all common Unicode languages. This way, you staff does not have to intervene in case the assignments are written in German, French, Spanish, or Hindi. The score for millions of exams remains completely unbiased, since it is determined based on the institution’s standard grading parameters.

To maintain academic integrity, it is also vital to check for plagiarism. Besides an automated grader, consider integrating your system with an essay plagiarism checker. This will ensure originality and help acknowledge the work of deserving students.