In Auto

Get an Electric Scooter for Safer Commutes during Covid

November 12, 2020 No Comments

Electric scooters have come to the rescue during the unprecedented pandemic times. These commuters are not only cost-effective and convenient but also highly capable of keeping you away from health hazards in such sensitive times. Many brands are coming forward to protect the citizens in a unique way by promoting these electric scooters. Alongside their efforts, insurance companies have also come up with bike insurance policies that can keep your finances safe with these scooters.

With a wide range of options and great comfort, electric scooters might just be the perfect companion for your everyday traveling. Want to know how? We have brought to you not one or two but a whole list of reasons why getting an electric scooter can keep you safe during COVID-19.

Let’s get started!

Cost Effective

The pandemic lockdown has left almost everyone in a financial crunch. With the gradual unlock, economic activities have seen an escalation as well. However, commuting in cars or public transport is not the most convenient option when you need to go to work. The traffic and jammed public transport can not only leave you exposed to contamination risk but also consume a lot of your time. What better than a smooth two-wheeler to ride in such times? The perk is that these electric scooters are way cheaper than average motorcycles and cars out there. You don’t need to break your bank to get one now. On top of that, you can also avail of EMI options that makes the immediate purchase much easier!

You can also buy bike insurance cover at quite an effective price without having to stress about the cost. Safe? Very!

Personal Transport

Buses? No. Cabs? No. Metro? Nope.

None of the public transports can provide you with enough safety and sanitation that a private transport can. Regardless of how many times the interiors and exteriors of a public transport is sanitized, you can’t be sure of optimum safety at any point. Moreover, over cramming public transports is a common practice in India even in the current situation.

This and a lot many reasons has given rise to the need of private transport and what better than an electric scooter. The two-seater vehicle calls for no external assistance or sharing your ride with a stranger. You can scoot away in peace without the stress and risk of contamination.

Minimal External Contact

Right from medical experts to our grand moms have been encouraging us to avoid any contact from the outside world. However, going to work or out to get essentials cannot be avoided. If you use private transport, you will also need to get your fuel tank filled and maybe exchange currency as well, leading to extra contact with another person. This is where electric scooters are life-saviours. With these bikes, you don’t need to get a fuel refill or exchange currency at petrol pumps (that have went through a whole lifecycle before touching your fingertips). You only need to charge it at home and go around carefree! Safety assured!

Electric scooters have witnessed greater popularity in recent times- all thanks to the added benefits that it offers. Want to become the part of this squad? Get yourself an e-scooter today!

In Food

Pizza as a Comfort Food: Why It’s Great for Get-Togethers

November 9, 2020 No Comments

Pizza is one of the most favored comfort food in many countries, especially in Canada. It is warm and cheesy and people can often pick the toppings of their choice. Pizza is usually the most suitable option on almost every occasion.

Eating comfort foods, including pizza, often triggers the brain’s happy chemicals. Consumers feel like they being rewarded and their minds act accordingly. For some people, consuming pizza is a form of self-medication. This simple indulgence can put their mindset at ease.

Why Eating Pizza is Quite Comforting?

Pizza offers comforts for a lot of reasons. However, what makes it special is a mix of unique traits that only pizza can offer. These traits are the following:

The combination of ingredients. Pizza is a dish that allows sweet and salty to be combined. Even the basic pizza can use all the major food groups. It can have vegetables as toppings like olives and mushrooms. Tomato is a given in most pizzas. The cheese in a pizza fulfills one’s dairy needs. And the dough serves as a base grain. The meat in it comes in the form of sausage, pepperoni, or a vegetarian substitute.
A texture that compliments the flavor. The crisp crust laid under a layer of chewy cheese makes the tongue wants more. The pizza sauce is the pie’s wet ingredient that serves as the cheer on top.
A shared experience. Pizza is served with slices. Those who opt for Double Pizza food delivery want a shared experience among loved ones and friends. The pie is meant to be enjoyed with others, to bring everyone a bit closer together.

Pizza is Ideal for Get-Togethers

Pizzas can be big enough to feed at least a dozen people. Also, small pizzas are available for those who want to enjoy more variety and feed the same crowd. Those who are looking to host a small party or get-together without spending a fortune can opt for a fresh brick oven pizza. Even big, party-sized pizzas can be more affordable than other meals for this occasion. Also, pizza can be served without using plates or utensils, reducing a few costs and hassles.

Furthermore, pizza provides a wide range of toppings that feature various tastes and textures for everyone to enjoy. Whether a group is into a vegan or cheesy pizza, everyone can have their appetite satisfied. Plus, a lot of restaurants also provide gluten-free and dairy-free pizza to cater to those who want a healthier diet.

In Tech

How To Find the Right Merchant Services

November 8, 2020 No Comments

If you run a business today, then you need to make sure that you have the right merchant services to back up the quality products and services that you provide. At the same time, there are lots of options when it comes to these services. How can you make sure that you find the right services to meet your needs? There are a few key points that everyone should keep in mind.

The Industry Specialization of the Services

First, it is important to note that every industry is different. Therefore, it is critical for everyone to find services that have been tailored to meet their industry as well. For example, services in the healthcare industry might not be the same as services that are located in the financial industry. Services in the legal industry might not be the same as services in retail. Be sure to take a look at the industry in which the services specialize, as this is going to play a major role in the success of the program.

The Online Reviews of the Services

Next, it is also important to take a look at the online reviews of the program. Today, it is important for everyone to read reviews of anything before they buy it. Your customers probably read reviews of your products and services before they buy them as well. Therefore, you should do the same thing when you were looking for merchant services. Take a look at what other people have had to say about the product. Then, make sure that you find one that has positive reviews to back it up.

The Scalability of the Program

Finally, you also need to think about the scalability of the program as well. You are probably planning on your business growing in the near future. Therefore, you need to make sure that you find a program that is going to grow with your business. If the program is not able to grow with your business, then you might end up looking for a new program in the blink of an eye. As a result, you might have to spend more time training for employees in addition to the money you spend buying a second program. Avoid this hassle by finding a program that has been designed to scale with your business.

Find the Right Merchant Services

These are a few of the most important points that you should keep in mind when you are looking for services that can help your small business. Today, it is important to be more efficient than ever, as consumer expectations are higher than they have ever been in the past. Find the right program to meet the needs of your customers.

In Home Improvement

How To Improve Sound Deadening In Noisy Offices

November 6, 2020 No Comments

The office should ideally be a place where people can concentrate to ensure as much work is done as possible, but the presence of noise can quickly impact this. Regardless of the volume, focus and productivity can be impacted by both white noise and competing noises, which should make it the priority of any organisation to quickly root out and manage these noise issues before work grinds to a halt. In this article, we take a look at acoustic insulation to give you a better idea if it’s the solution you need to improve your noisy work environment.

An introduction to sound insulation

Although you might think ceiling, wall or floor insulation installation sounds like a hassle, it is perhaps the best way to reduce all of the reverberation that occurs with unwanted sounds. Acoustic insulation works by absorbing sounds, rather than reflecting them. All of the hard surfaces that usually make up in office spaces usually just reflect any sound that is created nearby, which is how the background noises that so readily distract office workers are created. Acoustic insulation specifically designed for office environments can actually be custom made to fit a wide range of spaces and design needs, which allows superior sound absorbing potential to be possible in any working environment. There is obviously a cost attached, and it is one that becomes larger with the space, so organisations need to consider for themselves if this cost is worth their large investment. For many, it will be – although there is evidently a cost upfront, acoustic insulation should be treated as an investment. This is because it allows office spaces to benefit from reduced echoes and sound resonance, removes unwanted sounds that cause distraction and it also improves the quality all of the important sounds that an office might make use of, such as specific voices. Plus, sound insulation can work to improve the visual appeal and aesthetics of a work environment, which makes it an even better bargain!

The effectiveness of sound insulation

The effectiveness of sound insulation can vary to a wide extent, but that shouldn’t be taken as an indication that it can be ineffective – instead, it means that the products used should be highly tailored to the space to ensure that an environment gets the most out of its sound insulation. For example, large and open environments create the most unwanted noise due to their design so readily carrying noise, and sound insulation products designed to stop this specific relaying of noise an be considered most helpful. in choosing the right sound insulation products for your office, you should take the time to really consider all the factors that might influence sound, such as the design, layout and the materials used in the build of your office.

Where should you go from here?

If you’re considering outfitting your office space with sound insulation to prevent unwanted noise and increase productivity, although it might be tempting to do your own research and organise your own sound insulation products to save money, its best that you seek out an expert. Sound insulation should be treated as an investment, and knowing the right products for your space will help you prevent as much unwanted noise as possible.

In Finance

Are ELSS investments entirely risk-free?

October 17, 2020 No Comments

Equity Linked Savings Scheme, widely popular among Indian investors as ELSS is the only mutual fund scheme that comes with a tax benefit. ELSS can be considered as a modern investment tool to save tax and earn capital appreciation over the long term. Earlier, the Indian investors had only conservative tax saving schemes to choose from. These conservative tax saving instruments came with a lengthy lock-in periods. Furthermore, the interest rates that these schemes offered was always on the low end. With such low fixed interest rates, one might fall short of achieving their life’s long term financial goals. But thanks to the introduction of ELSS, investors can now expect high capital appreciation. Also, ELSS comes with a short lock in period. ELSS fund investors cannot redeem or withdraw their funds for a minimum period of 36 months from the date of investments. That’s because ELSS comes with a predetermined lock in period of 3 years. Having said that, this is probably the shortest lock in as compared to other tax saving instruments.

In order to understand how ELSS works here’s an example:

Madhavi Mehta is a data scientist with a gross annual income of Rs. 12.75 lakhs. This lands Madhavi in the 30 percent tax slab. After learning from her HR that she needs to submit tax investment proof, Madhavi decides to invest Rs. 1.5 lakhs in ELSS fund. According to Section 80C of the Indian Income Tax Act, 1961 one can invest up to Rs. 1.5 lakhs in ELSS and claim tax deductions for the same. Thus, by investing in ELSS, Madhavi’s gross taxable income has come down to Rs. 11.25 lakhs. Thanks to ELSS, she was able to bring down her tax liability.

Things to consider before investing in ELSS. Are ELSS risk free?

ELSS is an equity oriented scheme which means the fund predominantly invests (minimum 80 percent) in company stocks and other equity related instruments. Thus, one can say the ELSS is a high risk portfolio carry mutual fund scheme. However, every scheme carries some amount of risk with also. Also, if you are investor with a short term investment horizon then you might be exposing your finances to market’s volatile nature. Mutual funds like equity funds tend to get affected by daily market fluctuations. However, over the long term these investments have shown positive outcome. If you invest in ELSS with a long term investment horizon, not only will you have to not worry about the market vagaries, but your investments might also succeed in overcoming inflation.

However, before investing in this tax saver fund it is better that you determine your risk appetite. You can even consult a mutual fund expert or a financial advisor who might be able to help you determine whether you hold the appetite for risk for investing in ELSS. There are multiple ways to invest in ELSS. You can either make a onetime lumpsum investment or you can opt for a SIP. A lumpsum investment in ELSS is made by deciding an amount and investing this amount right at the beginning of the investment cycle. SIP (Systematic Investment Plan) on the other hand, gives investors an opportunity to make small investments at regular intervals. Opting for a SIP in ELSS with a long term investment horizon can even reduce the overall risk of the investment. Every month on a fixed date, a predetermined amount will be debited from the investor’s savings account and electronically transferred to the ELSS fund. This allow minimum exposure to market risk as compared to lumpsum investment.

Although ELSS investments aren’t risk free, they do offer a tax benefit and capital appreciation over the long term.

Marci Kott