When it comes to keeping your hard-earned money safe while ensuring that it yields a good return, there can’t be a better option than a fixed deposit. Fixed Deposits are secured investment options that have higher interest rates for a fixed period of time. FDs are ideal for people who look for safe investment options. Opening a fixed deposit has nowadays become easier because anybody can open them online. But, is online FD a safe option? Let’s read more about the benefits of FD, how to open it and if you can go for the online fixed deposit.
Why Invest in a Fixed Deposit?
Let’s look at the main reasons that make fixed deposit a lucrative investment option:
Though mutual funds and stocks yield a high return, these are volatile in nature, which makes them an unsecured option. Any kind of negative impact on the market will directly affect your return. A fixed deposit on the other hand is a secure investment, not affected by market volatility.
Better Interest Rate
The interest rate offered on principal amount is higher in a fixed deposit than a savings account. If you are a senior citizen, the rate of interest will be even higher than a regular fixed deposit. It could be a great way to save for your future.
Some of the long-tenure fixed deposits come with a tax saving option. If your interest amount exceeds a fixed slab, you can submit relevant documents to claim tax benefits on the amount.
Making a Choice Between Offline and Online Fixed Deposit
Opening a fixed deposit is simple and easy. You can choose the conventional way of visiting a bank branch, submitting documents and making a cheque payment.
Many individuals are, however, preferring the online FD option because of the flexibility it offers. IndusInd Bank offers you the option to open an FD online from the comfort of your home. You can visit the bank’s website, check out the FD plans available, fill out the form, and open a fixed deposit within a couple of minutes. Another advantage of online fixed deposit is it keeps you safe, especially in times of uncertain situations such as COVID-19. You don’t have to visit different banks, interact with people, which itself lowers the risk of getting infected by the virus.
Is Online Fixed Deposit Safe?
Yes, online fixed deposits are as safe as the FDs opened by visiting a bank branch. The process is, however, more simpleand time saving.
How to Open an Online Fixed Deposit?
The process of opening an online FD is very straightforward. Banks like IndusInd Bank give their customers the option to open the FD online. All they need to do is fill out the form, choose their preferred FD plan after doing a comparison, submit the relevant documents, and it’s done.
An online fixed deposit gives you the convenience to invest from the comfort of your home. It is completely safe, so you can go ahead with executing your savings plan for a better future.
The North American Markets Embracing Real Estate Technology
At one time, buying a home looked pretty much the same wherever you were in North America. Whether you found yourself buying a sprawling estate in Southern California or a studio flat in New York’s Upper West side, you could count on a standardized process.
There was only one problem: it wasn’t necessarily a process that favored the consumer. Defined by inconveniences, opacity and costly third parties, the old way of buying and selling real estate was monolithic and manual.
Real Estate Technology
Thankfully, that’s changing now – at least in certain markets. The meteoric rise of real estate technology (“proptech,” for those in the business) has fundamentally reshaped how certain markets approach real estate transactions.
This article charts the rise of real estate technology, revealing its demographic trends and geographical adoption. If you don’t count yourself among the consumers living in one of the markets listed below, don’t worry; odds are, these industry-disrupting innovations will become the norm, regardless of location, in the decades to come.
The Real Estate Tech Boom
For roughly two decades, the real estate industry has been adopting technological elements, concepts and tools – slowly, sometimes begrudgingly. However, in the last few years, the momentum and influence proptech has gained has been significant. Real estate technology is currently experiencing a meteoric rise in both popularity and sheer innovative strength.
Real estate digital marketplaces, AR/VR property touring, blockchain transactions with smart contracts, proptech mortgage lending, rent-to-own digital platforms, and many more innovations are sweeping across North American markets, leaving an indelible mark on the industry.
Embracing Real Estate Technology – along Demographic Lines
Proptech pops up everywhere in North America, and its proponents belong to no homogeneous demographic group. Nevertheless, some experts are seeing trends in who uses real estate technology.
Regan McGee, the founder and CEO of real estate digital marketplace Nobul, acknowledges that “millennial first-time home buyers are our target demographic.” He adds in his interview with Yahoo! Finance that “first-time millennials are going to generally tell their parents about it.”
Vice President of Realtor.ca, Patrick Pichette, is similarly focused on how millennials use technology. He tells Real Estate Magazine that “there’s a difference in how these demographic approaches buying and selling – they’re starting their research earlier. They’re hungry for information and looking at the process for buying real estate.”
Other sources suggest that proptech adoption is happening – or likely to happen – across demographic lines. This Forbes article contends that “proptech isn’t just a fad, but instead, an industry staple — regardless of the generation.”
Embracing Real Estate Technology – A Geographical Breakdown
It’s tempting to believe that all millennials – indeed all generations of homeowners – embrace value-driven technology at the same rate. However, that’s simply never been the case. Historically, large cities, coastal areas and (for lack of a better term) technologically progressive markets tend to be more open-minded and adoptive to new tech.
Here’s a quick geographical breakdown of some North American hotspots for real estate technology.
● Toronto: Home to the corporate headquarters of Nobul (mentioned above) and a bevy of other proptech companies, Toronto’s diverse, tech-forward population has been quick to adopt real estate innovations.
● San Francisco: The Bay Area is infamous for its adoption of all thing’s tech, and proptech is no different. As you might have guessed, Silicon Valley is a dominant seat of real estate tech in North America.
● Miami: The Southern Florida city embraces the real estate digital marketplace, AR/VR tools and blockchain technology with impressive ease and frequency.
● Austin: It isn’t just coastal American cities adopting proptech; the tech-progressive Texas city is home to Homeward, Ojo, Orchard and many more companies.
● Seattle: Silicon Valley’s sister to the North, Seattle is similarly enthusiastic about technological innovation. Notably, the city is home to online property reseller Flyhome.
These are just a few of the geographic markets quick to adopt real estate technology. As mentioned in the introduction, expect to see proptech extend its influence in the following decade.
Why Is Pet Insurance Necessary?
As a pet owner, you want what’s best for your furry friend. Part of that is making sure they’re healthy and have the best possible care. But accidents and illnesses happen, even to the healthiest of pets. That’s where insurance comes in. Pet insurance helps cover the cost of unexpected veterinary bills, which can be expensive. Keep reading to learn more about why pet insurance is necessary and how it can help you and your pet.
Pet insurance is an investment in your pet’s health and happiness.
Is pet health insurance worth it? When you consider the high cost of veterinary care, pet insurance seems like a necessity. The average cost of a vet bill has risen to over $1,000, and this number is only going to continue to grow. Pets are members of the family, and it is important to ensure they receive the best possible veterinary care.
Veterinary care can be very expensive, and without pet health insurance, many people would be unable to afford to pay for their pet’s vet care. Pet health insurance can also help you save money on routine veterinary care such as vaccinations and check-ups. By having pet health insurance, you can avoid having to pay full price for these services.
Pet insurance can help offset some of these costs, so that pet owners don’t have to choose between their pet and their wallet. It can also give you peace of mind knowing that you’re prepared for anything that might happen to your pet.
Pets can require unexpected and expensive medical care.
In the United States, it is estimated that more than 78 million households have at least one pet. As these families know, pets are not just animals to be loved and taken care of, they are also family. And like any other family member, when something happens to them—illness, injury, or simply old age—their owners want to do what they can to help. This is where pet insurance comes in.
Pets occasionally require unexpected and expensive medical care, which is another reason why pet insurance is necessary. Pets can become sick or injured at any time, and the costs of treating them can be astronomical. For example, a dog with a ruptured spinal disc may need surgery that costs several thousand dollars. A cat with urinary tract problems may require antibiotics and other treatments that cost hundreds of dollars.
Without pet insurance, these animals might not receive life-saving treatment because their owners could not afford to pay for their veterinary care. Pet insurance helps to protect pet owners from these high costs, and it is well worth the investment.
Pet insurance can help you save money in the long run.
Pet insurance can help you save money in the long run. Not only will it help you pay for veterinary bills if your pet becomes ill or injured, but many policies also offer coverage for routine care, such as vaccinations and check-ups. By insuring your pet, you are essentially creating a safety net in case anything unexpected happens. This peace of mind may be worth the cost of premiums, which vary depending on the type of plan and your location.
It is important to read the fine print before signing up for a policy to make sure you understand what is and is not covered. Some policies only cover accidents or illnesses, while others also cover routine care like vaccinations and check-ups. Deductible and premium amounts can vary depending on the type of plan you choose, so it is important to find a pet insurance plan that fits your needs and budget.
Overall, pet insurance is necessary because it helps cover the costs of unexpected veterinary expenses. This can be helpful for pet owners who may not be able to afford to pay for expensive treatments out of pocket.
How to Play With the Best Chance of Winning at Online Casinos
Who doesn’t want to be in with a chance of making a bit more money… and even better if you’re having fun whilst doing it right? Well, that is the appeal to many online casino players. Although this isn’t an exact and guaranteed way to make a profit on a regular basis, it certainly offers you the chance to enjoy some decent profits if you are prepared to put in the time, effort and know exactly what you are doing.
That’s exactly what this is all about. We want to give you the best chance possible of winning money at an online casino. Of course, it’s a game of chance – gambling is all about chance and luck, but there are ways to maximise your winning potential. Here are our top ten tips for doing just that…
Learn the Odds
Before betting at any online gambling site, it is important to know the odds of a game. However, if you look into it in more depth then you will have an extra edge. So, we recommend that you take the time to learn different betting strategies and start understanding the probabilities of your preferred game. This is the first way to start growing your casino balance.
Make Use of Bonuses and Loyalty Programs
Your next step is to check out the best casino bonuses online – not just the big ones, but also the fair ones. As well as getting a good welcome offer, make sure you make the most of the casino’s VIP programs and loyalty rewards, where you can enjoy benefits such as free spins, cashback and more.
Check Out the Jackpot Slots
Jackpot slots will drop eventually, so research the ones that are about to drop so that you can be spinning those reels at the optimum time.
Beat The Casinos at the Own Game
All different games have a different house edge. If you play blackjack with the basic strategy, the house edge can be as low as 0.05%. However, most slot games tend to have a house edge anywhere between 3% and 6% or even more. So, if you want the best chance of winning money, stick to games with lower house edge and ones where you can use skill and strategy.
Smaller Spins and More Chance for Wins
You need to be smart with your money. If you have a £50 budget then it’s silly to start playing £10 per spin because you will run out of money pretty quickly. You will be better off playing £1 or less per spin, which will mean you get more time playing and can have more fun – with more chances of winning. 50 spins gives you a better chance of winning than 5 spins.
Remember That Most Games Are Luck
Online casino games are worked by RNGs – Random Number Generators. This means that all reels spun and every card dealt is simply a matter of luck. Don’t buy into anyone that tells you they know a sure fire way to beat the machine – as it doesn’t exist. Just set your budget, pick a strategy and hope for the best.
You need to remain focused to gamble online effectively and keep a clear head. As such, it’s always good to take regular breaks so that you can keep your concentration. Most casinos allow you to set yourself a session limit.
Know Your Bonus Gambling T&Cs
Many people see the impressive bonus and don’t bother reading the terms and conditions. You need to know how much money you need to wager before withdrawing your bonus and winnings. Make sure you pick a bonus with fair terms and conditions.
Play on Safe and Regulated Casinos
Only ever play at a trusted, licensed and regulated online casino site. If you do manage a big win at a casino, it’s only good if it’s a decent site that pays out the winnings. Check its licensing before moving forward.
Play With a Clear Head
Only ever play when you have a clear head. This means don’t gamble when you’re tired – or when you have had a drink or two. Only play when your decision making skills are at their sharpest.
3 Myths of Truck Aerodynamics
Pickup trucks are not the most fuel-efficient vehicles — and for the most part, they are not meant to be. Most truck owners are more interested in these workhorse vehicles’ ability to haul and tow; their engines should be large and their beds long, their tires wide and tall. Even so, few truck owners want to pay more than they must in fuel costs, which means many truck owners are interested in improving the aerodynamics of their vehicles in any way they can.
Unfortunately, the widespread desire to boost fuel economy and efficiency has resulted in a handful of myths amongst the truck driving community. To learn the truth about truck aerodynamics, read on.
Myth: Tailgate Tricks Reduce Drag
Not only is a truck larger and heavier than the typical city vehicle, but it is not shaped like a regular car, either. Unlike sedans and SUVs, which can slice through the air using a streamlined profile, pickup trucks always have a bulky cab followed by a flatbed. Instead of passing easily over the car, air plummets into the bed behind the cabin and tends to stay there, creating drag that can reduce fuel efficiency.
Over the decades, truck drivers have tried all sorts of tricks with the tailgate in ill-fated attempts to eliminate this drag. One of the easiest tricks is to leave the tailgate down while driving, but drivers might also replace their tailgate with a cargo net or remove the tailgate permanently. In all of these instances, the driver is hoping that the air getting caught in the bed will flow out of the truck, improving the aerodynamics of the vehicle and boosting fuel economy.
Unfortunately, this just isn’t the case. Studies on air flow around trucks have found that with the tailgate properly in place — locked up — air will push down and forward on the back end of the vehicle, helping the back tires grip the road and propelling the truck without the use of fuel. When the tailgate is down or absent, the driver does not have this benefit. Replacing the tailgate with a cargo net is even worse; the net pulls through the air like a fishing net through water, creating even more drag and creating intense inefficiency. This myth is so pervasive that Mythbusters devoted a couple episodes to testing tailgate theories — only to find that drivers should stick with using the tailgate as intended by truck designers.
Myth: Bed Covers Do Nothing
On the opposite end of the truck aerodynamics spectrum, some drivers believe that it is important for air flowing over the cabin to sink deep into the bed. This myth suggests that the walls and tailgate of the bed create a pocket, where airflow creates a swirling ball that repels other air passing over the truck. According to this myth, installing any kind of bed cover will eliminate the beneficial pocket of the bed and worsen fuel economy.
However, research has proven this supposition untrue. Both hard and soft bed covers improve the aerodynamics of the vehicle, encouraging air to slip over the truck without resistance. Even better, truck bed covers do not interfere with the aerodynamic benefit of the tailgate; on a truck with a bed cover installed, air will continue to press down and forward on the back of the truck, but without the drag created inside the bed.
Myth: Running Boards Create Drag
Running boards — also called side steps, side bars and nerf bars — are a popular truck accessory, especially on vehicles that have lift kits installed. These additions, mounted beneath the truck’s rocker panels, make it easier and more comfortable to step into the cabin of the truck, which can make the vehicle more accessible to a wider variety of drivers and passengers. However, some drivers believe that running boards (and similar augmentations) add to the weight of the truck and create drag, increasing fuel consumption.
Unfortunately, this myth could be true — depending on the type of running boards installed. Drivers who prefer the assistance of running boards might opt for steps that are flat and built solidly into the truck’s body, which will allow the air to press down on the boards and improve contact with the road. Drivers can also find running boards that automatically fold out and in when needed, which can prevent any possible drag created by the steps during movement.
Fuel efficiency might not be top of mind when a driver opts for a pickup truck, but it should still be a consideration when drivers select the style of their vehicles. With the right products and practices, drivers can keep their trucks running as efficiently as possible.
Use These Tips to Protect Your Sofas from Getting stained
Sofas and couches enliven your spaces. Sofas in pastel shades add class and grace to your drawing room. Likewise, the ones in brighter colours lift up the mood. However, when the sofas and couches catch a lot of dirt and dust due to the lack of regular cleaning, they start looking dull and drab. Stains by way of spillage of food, water colours, paints, nail polish or even due to your pet accident can also make the sofa look lifeless. Besides flipping the cushions and using all parts of the sofa uniformly you also need to know how to protect your sofa from staining. Read this blog to find out more about ways and tips to protect your sofas from catching stains every now and then. Along with these tips also opting for fabric sofa cleaning Adelaide at the hands of professionals can add years to your couch’s life:
- Never dine on the sofa
Follow the mantra of never dining on the sofa! You are bound to drop crumbs of food or drops of your drink irrespective of being very careful while eating on the sofa. Bingeing while having your food or sipping on your coffee is a dangerous habit for the cleanliness of your prized couches and sofas! Keep your children and teens also from eating on the sofa while watching cartoons as they also are bound to drop their food onto it.
- Do not forget to vacuum your sofa
Vacuuming the sofa is an underrated way to keep it clean thoroughly. Running a vacuum every few days on the sofa can remove dust particles and dirt from its surfaces and inaccessible creases. You would be surprised to know how much muck can gather inside the parts of the sofa on a regular basis. With regular vacuuming done you can effectively prevent dust build up and ruining the sofa fabric. Following this hack one can definitely enhance the lifespan of the sofa while making it look fresher and spotless for years!
- Prevent your kids from hopping on the sofa
Kids love to hop, jump and skip on the sofa in their playtime or otherwise. Jumping up and down on the sofa gives immense joy to kids but it is not exactly the case for the sofa fabric. The sofa fabric can get spoiled due to the excess weight on it. To increase the lifespan and safeguard its quality over the long run you need to keep the kids off the sofa. Connect with an experienced sofa cleaning Adelaide professional in event of any damage to the couch fabric. Also keep off your pets from the sofa. Move a lint roller across the sofa to take out pet hair stuck in the fabric.
- Use fabric stain protection
A fabric stain protector is a highly valuable product if there are kids as well as pets in your house. It can safeguard your sofa from unsightly stains due to pet urine, paints, or any other thing that your child spilled onto the sofa carelessly. Hiring a professional for the smooth and accurate application of the sofa stain protection Adelaide can go a long way in preventing the sofa from becoming stained every so often.
- Learn to spot treat the stains
Spot treating the stains as and how they happen can be really helpful. It can also prevent the stain from going deeper into the fabric. Blotting the stain with a clean cloth or a napkin can stop the stain from spreading to the other unaffected areas of the sofa. The stains can be stopped from becoming permanent with spot treating of the same. For having old stains on your couch cleaned get in touch with couch cleaning Norwood experts who have experience in dealing with the same.
- Invest in arm covers and sofa throws
Arm covers can protect the sofa from catching stains due to sweat and body oils. While sofa throws also work to achieve the same purpose. They both can shield the sofa from direct staining. Keep tea, coffee, wine or juice glasses away from the sofa.
The core fabric of the sofa can be safeguarded from stains when there are arm covers and sofa throws covering it. Also, these things protect the fabric from fading if there is sunlight falling on the sofa while also imparting a cosier feel to the sofa. The overall appearance and feel of the room can also be amped up with throws and covers complementing the wall colours.
For professional sofa cleaning Adelaide solutions connect with Couch Cleaning Adelaide on (+61)482074173. We provide long-term solutions that help safeguard the fabric of your sofa in the long run.
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