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Life Tips for Personal, Financial and Business Growth

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3 Tips For Moving Your Baby Into Their Own Room

Moving your baby into their own room can be a big step, both for your little one and for you. But for the sake of both parties and their ability to get sound sleep at night, it’s important that everyone has their own sleep space.

To help you, you may want to get a baby monitor so you can keep an eye on things going on in their room. But for helping your little one, here are three tips for moving your baby into their own room.

Look For Signs That They’re Ready

For helping facilitate most changes in your baby’s life, there really are some opportune times to start introducing the change, and moving into their own room is no different.

According to Korin Miller, a contributor to The Bump, there are some signs you should be on the lookout for to see if your baby is ready to make this move and if moving them into their own room makes sense for your lifestyle. Generally, if your baby is moving more, like rolling from their belly to their back, this could be a sign that they’re also ready to move into a bigger bed and into their own room. Also, if less nighttime feedings are requested or required, it could be a good idea to start transitioning with the move.

Start With Naps First

Once you’ve got the baby’s room all set up and ready for them, it’s a good idea to go about this transition slowly, if you can.

To do this, Dr. Dan Brennan, a contributor to WebMD.com, suggests that you start with naps first. This can get your baby used to sleeping in a crib in their own room when there’s less at stake for you, meaning you could be losing precious night sleep while your little one gets used to sleeping in a room alone. But by getting them used to the idea during their daytime naps, nights should come easier, too.

Keep All Other Routines The Same

Any kind of change in a baby’s life and routine can be unsettling. Knowing this, Louisa Fitzgerald, a contributor to VeryWellFamily.com, recommends that you try to keep all other routines and rituals the same in your baby’s life when you’re trying to move them into their own room. Especially around sleep times, it’s best not to cause too much of a disruption to what they’re used to, as this can make adjusting much harder for your little one.

If you’re thinking about moving your child from sleeping in your room to sleeping in their own room and in their own crib, consider using the tips mentioned above to help make this transition easier on everyone involved.

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5 Ways To Improve Your Company’s Visibility Online

Online visibility is essential for an effective digital marketing campaign. If you want to reach consumers online, you have to know how to place your content in front of the right set of eyes.

You can improve visibility and target users when you craft content with the right knowledge at hand. Start educating yourself in what your digital presence really needs, and take a quick read through this brief compilation of five ways to improve your company’s visibility online.

Search engine optimization

Understanding the value of search engine optimization will take your online visibility to the next level. There are many different aspects of the whole of SEO, and it’s important that you take the time to explore and apply them all when crafting your company’s digital content.

Using the right keywords and phrases is a big part of good SEO practices. This company specializing in deep foundation construction presents a great visual display of proper keyword usage throughout the text. Keywords and phrases throughout your content should be relevant and direct in relation to your business.

Mobile optimization is key

Mobile access to the internet is more popular than ever before in history, making it absolutely essential for your digital content to be properly formatted for mobile use.

Mobile optimization means that your content will display and function without struggle on any mobile device attempting to access the pages. Mobile users shouldn’t have to pinch and swipe their screens to death to be able to view various elements of your digital spread.

Stir up social media users

Drawing the eyes of social media users will definitely help your cause. Social media visibility is golden for your marketing purposes. The key to a successful social media campaign is to keep it current.

Posting often is a good way to keep followers checking in for great thoughts, ideas, and most of all… great deals. Use social media pages to provide a simple link to your website, blog, and other digital content as well.

Use the tools Google offers

Give your business a boost online by utilizing the tools Google provides. Visibility banks on your ranking in the SERPs with search engines, Google being one of the biggest players in the game.

Check out what Google has to offer in the way of software assistance while you’re working on ways to boost your company’s digital visibility. Google Analytics and Google Keywords provide a great place to start your exploration.

Post at the right time

There’s no “one-size-fits-all” time to post for the best visibility, you can strategically post at certain times throughout the day.

Choosing the right time to post new content takes a special awareness of your target audience. Research when your target consumer spends the most time online, and aim to toss your content into the mix.

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How To Use A Lumpsum Amount

Most individuals plan on living on their regular income that usually comes in the form of monthly or weekly paycheck. However, there are occasions when one is bestowed with a windfall of money that they may not be expecting. Some common sources of lumpsums include sale of investments, tax refund, inheritance, bonuses, court settlement, etc. Most investors are clueless on how to use a lumpsum amount. This article aims to answer the same and bring you one step closer to your dreams.

Following are a few ways in which you can use a lumpsum amount:

  1. Clear your debt – One of the best ways to invest in lumpsum is clearing off your existing debt. This is especially true for credit card debt which accounts for around 10 to 15% interest per annum. Even if you aren’t able to pay off your credit card bill at once, consider paying down the balance. This will make a huge difference by diminishing your interest costs every month moving forth.
  2. Build an emergency corpus – Every individual should always have an emergency fund in place. Having an emergency fund in place ensures that you are ready for any downfall that life has to offer. As a thumb rule of investing, you should have a minimum of six months of your living expenses for any sort of emergencies. You can invest in mutual funds to achieve income on your emergency corpus and beat the rate of inflation. Choose investment options such as liquid mutual funds, high-yield savings account, money market accounts, etc. that have high liquidity.
  3. Save and invest – The key to wealth creation is to save as much as you can and invest them in right type of investment. Mutual fund investments are one of the most preferred investment options for most individuals. A lumpsum mutual fund has the potential to generate significant returns and build your portfolio. You can also use a mutual fund lumpsum calculator to understand the future value of your mutual fund investments. What’s more, these lumpsum calculators are fairly easy to use. Depending on your financial goals, risk profile, and investment horizon, choose the right investment option for your portfolio.
  4. Treat yourself – Even if you use majority of your lumpsum amount for the above listed purposes, consider withholding a small amount to treat yourself. You can use this to get on your hands on something you have been craving for a long time. It could be anything, ranging from a new bike to a new furniture, new vacation to a new dress – whatever makes you happy. Spending a small amount of the windfall on yourself will provide you with an emotional boost rather than feeling resentful that you weren’t able to do things that you wanted to do.

You must cautiously analyse the several investment options available to you before deciding where to invest your money. Your age and whether you need a monthly regular income are two of the most important factors in choosing the right investment for your lumpsum amount. Happy investing!

 

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Benefits and Types of ULIPs

The rising popularity of Unit-Linked Insurance Plan (ULIP) is a result of its dual advantages, which include a life insurance policy cover and investment options. Read on to know the ULIP meaning and more details about the policy.

What is ULIP?

A ULIP is a life insurance policy, but it has the added benefit of wealth build-up. You have to pay a premium regularly to keep the policy active. Your insurance provider levies a very small percentage of the money as various charges. They invest the remaining capital in different funds, such as equity and debt. You can also choose to diversify your money by investing in a way that combines both equity and debt-based instruments. ULIPs accumulate into a substantial fortune over an extended period.

Now that you understand the ULIP meaning, let us look into some of its plus points that make the policy a preferred choice among Indian investors.

1. Builds good investment habits

ULIPs have a five-year lock-in period, ensuring that you stay invested in the policy for at least this duration. You need to pay your premium on time to maintain the policy during this tenure without the option to withdraw money. This ULIP feature helps you develop a disciplined investment habit and patience. These skills can make you a wise investor. Once you have good investment habits, you can earn high returns in the long run.

2. Tax benefits

One of the ULIP benefits that make it a profitable investment option is its tax exemptions. ULIPs offer multiple deductions, such as:

  • Your premium is tax-deductible up to INR 1.5 lakh per year according to Section 80C of the Income Tax Act, 1961
  • You get a tax-free maturity payout if you bought the policy before February 1, 2021, as per Section 10 (10D) of the Income Tax Act, 1961
  • Your maturity benefit remains tax-free if you pay an annual premium lower than INR 2.5 lakh; however you have to pay a 10% Long Term Capital Gains (LTCG) tax on the maturity proceeds if your yearly premium exceeds this amount; this applies to policies bought after or on February 1, 2021
  • Your family members will receive a tax-free death benefit, irrespective of when you purchase the policy

3. Flexible investment options

ULIPs let you decide whether to invest your money in equity, debt, or a combination of funds. This versatility permits you to choose an investment avenue depending on your financial goals and risk tenacity. Equity funds are risky but have the potential to provide higher profits. Debt funds attract lesser risk and offer moderate returns.

4. Fund-switching

One of the unique ULIP benefits is the fund-switching facility, giving you more control over your investments. With the switching alternative, you can reallocate your money among equity and debt funds at any time during the policy tenure. However, your insurer may allow only a few free switches per year and charge for additional switching.

Types of ULIPs

The forms of ULIPs depend on their premium payment and fund options. This list will give you a better idea:

  • Regular premium

Here, you need to pay multiple premiums during the policy tenure. Insurers let you choose between yearly, half-yearly, and monthly premium payment choices.

  • Single-premium

While purchasing a ULIP with the single-premium option, you have to pay the entire amount as a lump sum at the time of policy initiation. Once you pay it, the policy will remain active for its entire tenure.

  • Equity and debt fund-based funds

The type of ULIP you have depends on your investment choices. If you put your entire capital in risky but high-returning avenues, such as shares, it will be an equity-based ULIP. In the case of a debt-based ULIP, the insurer will invest your money in less risky fixed interest instruments, government securities, and similar products.

Now that you know its advantages, it is easy to understand why you should invest in ULIP now.

 

 

 

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3 Tips To Help You Cut Down on Spending

Life can get really expensive pretty quickly. And it is easy for your spending habits to get a little out of control. However, to achieve financial freedom and peace of mind regarding budgeting, it may be a good idea to cut down on excessive spending. This doesn’t take away from you buying fun products or going out with your friends on a Saturday night, but it will help you make smarter decisions for your overall fiscal health.

 

Many people will try to budget or establish a level of financial responsibility but have trouble sticking to it. Changing your spending habits is all about your mindset. You need to develop creative ways to enjoy a social life and get the things you need without spending a fortune on those activities. Just by taking a few positive steps, you can totally change how you interact with your money and cut back on your spending. Here are just three simple tips for doing just that.

1. Find some free or low-priced activities.

 

Everyone has essential costs and bills that they have to pay regularly. Most of these are non-negotiable, like rent, food, and care costs. While you can usually find ways to lower these prices, you’re going to have more opportunities to cut back on costs when you look at your social calendar or extracurricular activities.

 

The first step is to look for free or low-priced activities rather than going out for lavish dinners every night, traveling every weekend, or buying tickets to every concert you can find. There are plenty of fun things you can do at zero cost to you. Instead of going out for brunch, maybe you can cook at home and take that food on a picnic. Maybe stay in and watch a movie you own rather than spending money at the theatre. Or decide to throw a watch party for the big game instead of buying tickets to it.

 

Sporting events can be a big expense, but so many games are now available online. Try a baseball strategy game instead of actually going to the diamond. This is a free fantasy baseball option that you can enjoy right from home. Imagine sports in a new and exciting way right from your couch and at a low cost to you.

2. Always be on the lookout and wait for good deals.

Cutting back on your spending doesn’t mean you can’t buy the things you want, it just means you need to be smarter when you do. Become a bargain hunter who is always searching for good deals. This is especially important with big purchases. For example, there are ways to buy and sell cars that don’t break the bank. Instead of going to the fancy dealership, see if you can get a deal buying cars online or in a more creative way. There are cars for sale Saskatoon that are a great deal from a trustworthy supplier. If you find the right company, they will be happy to work with you to save you some money.

3. Track your spending, make a budget, and stick to it.

 

One of the best ways to cut back on your spending is to track it. If you’ve never made a strict budget before, now may be the time to develop one. The rest is up to you to have willpower and stick to that budget. When you think about spending, try and be patient and really consider what you’re buying before you commit. Remember, no single purchase is going to give you the same satisfaction as financial stability will.