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Money & Market

Buying Your First Home? This Guide Contains Everything You Should Know



Purchasing or constructing a house is a big financial decision. A home loan can make the process simpler. It can give you up to 90% of the property price as a loan. You can also get tax benefit

s for paying the EMIs on time. 

This article contains the most important tips you need as a first time home buyer. 

The Top Things to Consider as a First Time Home Buyer

Choosing the Right House

Depending on your budget, you can choose to buy a big mansion in the heart of a capital city or a humble studio apartment in an upscale residential society. Alternatively, you may construct the house of your dream on freehold land, while ensuring that the place has all modern amenities and an improved transport network. Whatever you want, it is better to evaluate your needs and select the best property which fits your financial objectives. 

Finalise the Amount You Need to Shell Out

Home purchase or construction is a significant investment. In most cases, home buyers cannot fund the purchase out of their savings, prompting the need to apply for a home loan. When you approach a lender, they evaluate your documents and calculate your eligibility before informing the home loan amount and interest. Look around for several lenders and choose the lender with the best terms.

Scour for the Lowest Interest Rates

First things first, the lower the home loan interest rates, the lesser the home loan EMIs. Home loan interest rates depend on various factors, such as income, credit score, loan amount, borrower’s age, etc. For example, if your credit score is above 800 and the loan amount is less than INR 35 lakh, you can expect the interest rates to start from 7.35% per annum. Conversely, if your credit score is less than 100 and the loan amount is greater than INR 35 lakh, the rates may start from 8.80%. Hence, if you want to get the best home loan interestrates, you should improve your credit score. 

Check Your Eligibility

Lenders look at a wide range of information to determine your eligibility and offer you the best rates. Some such factors are age, location of the property, credit score, stability of income, nature of the income, and so on. Generally, you must be a citizen of India, and your age should be between 21 and 65. The location of the property is an equally important parameter and depends on the property’s resale value. For instance, if your property is in a prime location with all modern amenities, you can apply for the highest loan amount. Hence, before applying for the home loan, you must check your eligibility and negotiate with the lender.

Select the Loan Term Carefully

The term or tenure of a home loandecides how long you have to remain under the burden of debt. Generally, lenders offer up to thirty years for repayment. However, an extended term also comes with higher home loan interest rates. Hence, it is better to opt for a shorter term if you want to close the loan faster and become eligible to apply for a new loan.


As a first time home buyer, you will need to keep several things in your mind. Thankfully, a home loan from a reputed lender like PNB Housing can take away the stress of arranging money. PNB Housing offers attractive home loan interestrates and doorstep service delivery for faster loan approval. With interest rates at their multi-year lows, this is the best time to fulfil your dream of owning a house.

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Money & Market

What is more important for SEO? Content or Backlinks?




Are you an aspiring search engine optimization SEO professional looking to advance your career? You must be wondering what is more important in digital marketing, content development, or backlinks. This post will help you to discover which one is important and why you should hire an SEO company in Pakistan that can tell the difference and importance of both backlinks and content development. We believe this is a great question to ask that every business owner and SEO professional must know. The answer is also very easy, let us explain in detail. 

Always Start with the Content 

So when you have to choose between making backlinks or developing content, the expert advisor and SEO professional of Pakistan’s top SEO agency Rizwan Zahid says that” content is for your customers, however, backlinks are for your own marketing needs. Content helps your users to get more engagement with your website and brings more impressions and likes. Therefore, if your website does not have content, then there is no point in creating backlinks to a blank page”. 

This shows that you should be focused on getting results from your users in terms of content, and then you can always focus on the backlinks strategy if users are already engaged with your website. Moreover, Pakistan’s top SEO company IT Height’s director also reveals that “content is always important to link people together via the website. I always think that content is more important than the backlinks because a person needs a good reason first to be able to link to your website”. 

Naturally, when you create more natural content and resources for the users to engage with your pages, you can share more data and accomplish specific goals with your content. It is the content that often creates a reason for the link and also helps make everything on your site look useful. 

Moreover, the importance of Content can never be underestimated because content defines the topic of your page and discusses the solutions you provide to the customers for solving their problems. On the other hand, backlinks vs. content does not define the topic of the page, neighed it can be used in the header tags and Meta descriptions or internal links. 

You Must have a Mix or Backlinks 

When it comes to backlinks strategy, the SEO expert from Elink Solution Rizwan Zahid is always in the favor of creating backlinks, however according to his statement, “you must include a mix of backlinks such as keyword rich backlinks, citations, do-follow backlinks, no-follow links, and more. These are the links that happen naturally. Just like content help with site structure and its credibility, link building is also important and creates your content through internal linking. Therefore, a latest post by SEJ Search Engine Journal states that “by building a natural internal linking structure you’re trying to guide people to resources and purchasing options from useful content like comparison guides”.

Content is Necessary to Define a Well-Structured Website 

Content helps the website professionals by building a website structure and helps to attract both visitors and clients. Moreover, when there is optimized content on the website, the search engines and spiders can also discover the content in a more appropriate manner, this way, people will be able to search your content with appropriate keywords and topics. 

Backlinks Create Value for Search Engine Optimization SEO

According to a Moz post, as the name suggests, a backlink is always created to form a link between different websites. Backlinks are most crucial for SEO because they often help to receive a vote of confidence from another website and help to boost the ranking of your own website. In essence, when your website has quality backlinks, they always provide a signal to the search engines that other websites value the content of your website and they wish to link to yours. 

This implies if you get backlinks from many other sites, this sends a positive message to Google and other search engines that your website has a content that is worth linking to. Therefore, always use backlinks after you create content. 

The Conclusion or Summary 

The summary or bottom line of the above discussion is that for ranking your website on the search engines, both backlinks and content play a major role to boost SEO efforts. However, backlinks have their own viability; they play a crucial role in boosting the rankings of your website. However, the content of the website works across all channels from SEO to PPC, media coverage, and referral traffic. Good content can also provide your SEO team with more backlinks; however, when deciding to choose between the two things at the beginning of the SEO process, the experts in the best Pakistani digital marketing companies suggest that content always comes first compared to backlinks.

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Money & Market

What is Stock List? Getting To Know Popular Stock Exchanges



What is Stock List

To grow your wealth, investing is stock is quite interesting way to do. But finding the shares and markets where you can invest in is a little hard. Learning the working structure of trading wisely and with patience can return you a handsome amount of income. According to a research published on Forbes, all 400 wealthiest persons own a large amount of shares in public and private corporations.

Investing in stock market is a straightforward process only if you have learned its working. After doing proper research, if you get the right share to invest in, it ends up with a lot of money in your account. I know it sounds easy but you have to do proper research about the stock you are about to purchase. In this article, I’ll share the popular stock exchanges from where you can buy the shares and can do research by analyzing the market.

What are Stocks & Stock List?

Stocks are the investments that give you a legal ownership in any company. By buying a share you become part-owner of that company. Corporate and companies issue shares in the market to raise the money. People buy them and get the ownership of that particular share of the company.

A Stock list as it name sounds is a list of stocks that are available in the exchange market. Each exchange market has their own list from which a investor can choose to invest in a company. The list is categorized by market capitalization which indicates the value of the company’s shares.

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From this it is clear that the companies with highest value are at the top of the list and medium companies are next to them and then the small ones. To calculate the market capitalization consider the steps below.


A company has 1 million outstanding shares and each share worth $25, the market capitalization of that company will be $25 million. The market cap is very important to consider as it will tell you how strong the company is and should you invest in or not.

The companies are categorized upon the market cap size as:

  • Small-cap: $300 million to $2 billion
  • Mip-cap: $2 billion to $10 billion
  • Large-cap: $10 billion to maximum

Popular Stock Exchanges for Stock List

Stock list are useful as they give you valuable information of the stocks available in different exchanges. Instead of looking directly on the exchange platforms, its better to check differnt stock exchanges’ share list that will quickly give you details on large-cap, mid-cap, and small-cap. It will help you to understand where to trade. For example, if you are looking for US stock price, you can found it on US Avanza stock list, NYSE, and NASDAQ USA stock list.

Below are some popular stock exchanges that you can trust on for stock list and trading:

  • New York Stock Exchange (NYSE)
  • Nasdaq Nordic
  • London Stock Exchange
  • Nasdaq First North
  • Nasdaq OMX
  • NGM Equity
  • NGM Nordic MTF
  • X-terna Listan

Above are some world famous stock exchange markets that have their own share list. I recommend you to first do some research and learn about stocks and exchanges then invest in any trade you like.

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Money & Market

Cryptocurrency Industry in 2021?



2020 has experienced a steady increase to attain new all-time highs, breaking $20,000 each BTC, but it wasn’t always so stable. To get a feeling of just how bothering the market was, only visit 2018: Moving into 2018, Bitcoin traded for near $13,500 after attaining an all-time high $19,783.06 at December of 2017. It then dropped as low as $3,400, a reduction of roughly three-quarters of its worth –and other electronic currencies were not faring much better in the time.   Cryptocurrencies enjoy Bitcoin and Ethereum have really proven resilient.  Investor curiosity, both institutional and retail, in electronic monies has risen dramatically lately. However there are still reasons to think that the cryptocurrency business has some fight inside abandoned. Investors are asking: how high digital coins can fly? And Bitcoin really has climbed back to all-time highs at December 2020, reaching $23,625 and Ethereum to almost $700. Now, looking to the end of 2020 to 2021, the better question may be how this space will accommodate so as to survive.

Institutional Investors Get in the Game

Although trade amounts for individual investors are in many cases, associations are rising on board at a substantial way for the very first time. Institutional investors allow for substantially larger trading volumes compared to many individual investors, which means that if fewer trading spouses are transacting from the electronic money space, the business can still maintain itself. There are numerous possible developments suggested to happen in 2020 and 2021 which may significantly impact institutional involvement in the electronic currency market. If crypto is floated on the Nasdaq or some similar trade, by way of instance, it will instantly receive a boost in standing –and probably, worth.

The Elusive Bitcoin ETF

For years, crypto fans have pined for a digital money ETF readily available to mainstream investors at the U.S. The U.S. Securities and Exchange Commission (SEC) has rejected or postponed Bitcoin ETF applications to be determined upon in a future date. Among the very talked-about funds, by provider VanEck, has witnessed its final acceptance decision pushed back again and again.Some analysts think that the acceptance of some mainstream Bitcoin ETF could provide a substantial jolt to the electronic money world, opening the business to investors keen to participate without a few of the dangers related to buying and selling slogans right. As of this moment, however, the future of VanEck’s fund remains to be seen.

Stablecoins Take the Lead

Stablecoins are electronic tokens which are pegged to a fiat currency that behave as hedging mechanisms against the prospective decrease of inherent cryptocurrency security prices–they might only be the business’s greatest hope entering 2021.Stablecoins may see growth next season for 2 reasons: one, a consequence of the long-term instability of non-centralized tokens; and 2, the present leader at the stablecoin business, tether, is positioned to be dethroned.As one of the first stablecoins to accomplish the mainstream, Tether (USDT) has endured several highly publicized growing pains while the sub-industry developed. Additional stablecoins have entered the area, aiming to wrench its dominance away.

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Money & Market

Bitcoin Work and Services Provided in 2021



Established in 2009, Bitcoin was the first another class of resource called the cryptographic money, a decentralized type of computerized money that takes out the requirement for monetary exchanges from ordinary middle people, for example, banks and governments. Since they do not have any banks or private sectors, Bitcoin is a simple way to make transactions. Money that is earned from sales and transactions are kept in a digital wallet. This app is available on phones and devices and is known as a digital wallet. This article explores the function of Bitcoin, which will be a valuable guide for new users. For more information you can visit the online trading platform like this software

What is a Bitcoin Working Mechanism?

Bitcoin Address

To begin with Bitcoin, the first step is to install the Bitcoin Wallet on your smartphone or device. Then a Bitcoin address will be created, which can be used by your friends to transact Bitcoins to your account.


A public ledger, where all Bitcoin verified transactions are registered, is the blockchain. It helps Bitcoin wallets to measure their spent coins so that new transactions can be checked so that the paying entity is in possession of them.

Private Keys

The transferring of bitcoin values which are documented in blockchain among wallets are known as bitcoin transactions. To ensure the legitimacy of bitcoin that has come from another person, some conditions are verified through signatures. The main advantage of this signature is that once the wallet transaction is signed by the owner, that cannot be changed or replaced by someone. This wallet transaction is transmitted via the mining process and validated within 10-20 minutes of the initiation of the transaction.


Mining is a distributed agreement scheme that, by adding them to the blockchain, confirms waiting for transactions. In the blockchain, the sequential order is kept along with preserving the network’s nonaligned status and having another device comply with the same agreement. The transactions are packed within blocks that conform to strict cryptographic rules to validate a transaction. The blocks can never be adjusted by this method because if anyone wants to alter the block, the other blocks that follow will be altered. The blocks added are never reversible in the blockchain, so the owner or some other entity can never alter the blocks in the future.

Services Provided by Bitcoin

Mentioned below are services provided by bitcoin:

  • Bitcoin Exchange

You can securely buy, sell, and arrange your cryptographic folder to start your trading system with these services.

  • Casino

You can start playing casino games provided by Bitcoins with the service.

  • Local

Local Bitcoin Cash service helps in getting the best margins for every transaction.

  • Spend Bitcoin

With Bitcoin currency, the business sectors that offer Bitcoin transactions would be simple to recognize.

  • Bitcoin for Beginners

This service will direct beginners and new clients on how to use Bitcoin wallets and create a Bitcoin address.

  • Bitcoin for Business

With a borderless Bitcoin usefulness, by tolerating Bitcoin exchanges from customers who lean toward Bitcoins, the organization will have the option to accomplish first rate.

More about Bitcoins

⦁          With 9k Bitcoins ATMs around the world, Bitcoins are used globally. The US is the first country to use bitcoin.

⦁          Bitcoins are sold at very cheap rates in Venezuela.

⦁          It is possible to buy Bitcoins via the ZebPay exchange in India. By establishing a bank account on ZebPay, bitcoins can be exchanged.

⦁          Among all digital forms of money, Litecoin (LTC), Ethereum (ETH), (NEO), Bitcoins (BTC) offer different qualities and administrations that render Bitcoin exchanges conveniently and safely.

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Money & Market

The Cryptocurrency Future and Beyond



Do you know how cryptocurrency is managed? To manage and develop cryptocurrency high-end encryption and new techniques are used. Since bitcoin has shown its existence in the market in 2009, cryptocurrency has become more popular. And as time passes by, cryptocurrency is gaining a lot of interest from investors and people from every corner of the world. Its popularity has seen significant growth since then. As it is gaining a lot of public interest, recently it suffered a rapid decrease in its value and because of this, a question is raised on the crypto market’s future.

Every time something different answers are expected when you ask about cryptocurrency’s future. Experts seem to be worried about the threats ahead, while others are optimistic that in our future, cryptocurrency has a secure position to play.  If you want to invest in bitcoin then visit here

In order to retain their optimistic attitude, optimists can have a good reason. Bitcoin’s mid-November 2020 run has surpassed all assumptions, in the midst of the COVID pandemic and the entirety of the financial disturbance we’ve seen for the current year, and the digital money is moving toward its record-breaking top. Bitcoin has dramatically increased its incentive since December of a year ago, and some expect that this is only the start of a long bullish stage.

The future of cryptocurrency

There are high chances of institutional money entering the crypto market as believed by experts. Financial experts state the chance of fluctuating cryptographic money on the Nasdaq is higher than anticipated. Over the long run, this would take the validity of the market to an alternate level. On the other hand, experts believe that a verified exchange-traded fund (ETF) is needed by cryptocurrency of every size and slot. Do you know how it works? With the help of an ETF, you can invest in cryptocurrency simply, instantly, and seamlessly. It’s very tough to invest without an ETF in bitcoin and other crypto currencies.

Understanding Bitcoin

Bitcoin is considered as best among all the other cryptocurrencies. Crypto is a decentralized currency so it is used along with peer-to-peer technology. Particularly this technology is adapted to permit all other functions to work. The handling of exchanges and the issuance of cash is likewise included. As it is a decentralized currency no one can control it. And also, there is no guarantee is given of things running swiftly as there is no central authority.

Bitcoins are made through mining processes and due to these powerful and safe computers are used for solving critical numbers and complicated algorithms. Actually, fiat cash is under the full control of the public authority and is overseen by the national bank of a specific nation. The amount of currency issued and the limit of currency issuance is managed and controlled by the central banks. In case of any failure, currencies are insured by the banks but in the case of bitcoin, there’s no insurance as it is a decentralized currency.

Future outlook of bitcoin

The future of cryptocurrency has been a hot topic among investors, experts, and economists for a very long time.  Some of the professors and experts think that in the coming years the market capitalization of bitcoin can witness a significant rise, while some fear seeing the past data of cryptocurrency. In comparison to gold, the transactions of bitcoin are limited which makes it difficult to fall down.

Some popular Bitcoin alternatives

Since bitcoin has shown its presence over the globe, other cryptocurrency options have been witnessed in the market. Have you ever thought of the other better options of cryptocurrency that you would like to try? Another cryptocurrency that is grabbing public attention is Litecoin. Litecoin is considered bitcoin’s competitor as it has the quality to perform transactions quickly and seamlessly.

Ripple is another crypto to which you can give a thought. It works as both payment system and currency. You can easily and quickly transfer funds from one user to another through Ripple while in bitcoin it takes very long to process. Another option you can consider is Mint chip, which is a smartcard that helps in transferring electronic value from one chip to another safely.

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