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Life Tips for Personal, Financial and Business Growth

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The 8 Most Common New Year’s Resolutions For 2021

As we bid goodbye to the year that was and welcome the new year, a lot of people have been listing down some of the things that they want to change and improve in their lives.

Given this year’s negative vibes caused by the pandemic, most folks drew up their New Year’s resolutions based on what happened to them this year. Here are the top eight most common resolutions people are listing down for the year 2021:

Resolution #1: Exercise to get fitter and healthier
Because of the pandemic, plenty of folks became really concerned about their physical health and fitness. People are declaring that in 2021 they will live a more active lifestyle to take better care of their health.

Resolution #2: Lose weight
Since a lot of people have become more health-conscious, they started to see how important it is to take good care of your body and not let themselves go overweight. Whether they exercise or regulate their eating habits, more people are willing to commit to a lifestyle change that will help them maintain the ideal weight for their height and age.

Resolution #3: Save more money
The pandemic caught all of us off-guard. A lot of us weren’t prepared for the financial ramifications that it had. Because of the economic crisis, people learned the importance of having emergency funds and savings. This lesson hit a lot of people hard and made them want to change things for the better in 2021.

Resolution #4: Eat healthily
They say that the road to fitness starts in the kitchen. Exercise and an active lifestyle can help keep you fit but fit are not exactly synonymous with healthy. For this reason, people have started to be mindful of what they eat and plan to continue eating healthily in the coming year.

Resolution #5: Do better at work and pursue a career ambition
The pandemic hit trade and industry hard. Businesses and companies closed left and right. This taught people to value the jobs they had. Now that the economy has reopened and is slowly regaining its footing, folks are more committed to working harder and aiming to accomplish their career goals in 2021.

Resolution #6: Spend more time with the family
A lot of us dreaded the fact that we will be stuck at home for quite some time when lockdowns were put in place. But a lot of people also realized what they were missing when they were preoccupied with work. Now that they got to spend a lot of time with their families, they intend to keep family time one of their top priorities in the new year.

Resolution #7: Engage in a new hobby
One of the good things that hobbies bring to our lives is it makes us temporarily forget our stressors and allows us to escape our real lives temporarily. This is good for preserving one’s mental health. For this reason, people want to take up new hobbies or revive old ones if only to take better care of their mental health.

Resolution #8: Make home improvements
A lot of people who got stuck at home this year decided to make the most of it and get some improvements done to their properties. Concrete repair, room repaints, exterior sprucing, and garden improvements are some of the things that these people have accomplished. Those who couldn’t join the home improvement bandwagon promises to do it in 2021.

Despite all the negative things that happened this year, people remain optimistic and hopeful that the year 2021 will bring better and brighter things their way.

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Got Financial Liabilities? Here’s How to Buy Term Insurance

The financial responsibilities of a person can change from time to time. For instance, goals like children’s education, their wedding, and buying a bigger house can vary according to the different stages of life.

In many cases, you may even have to take a loan to fulfill your monetary aspirations. However, have you imagined what happens if an unfortunate incident leads to your untimely absence? How will your family meet all the expenses? How will they repay the loans? Therefore, safeguarding your family’s economic future should be your top priority. So, investing in a life insurance plan should be the first thing in your financial portfolio.

It is advisable to invest in term insurance plans in India, as they offer high sum assured at an affordable premium. If you are planning to buy a term plan while dealing with financial liabilities, then here are a few things to consider.

  • Ascertain your needs

Determine your requirements before buying a term insurance plan. For example, if you are dealing with outstanding debts and suffering from any medical condition, it is essential to buy a term plan with a critical illness rider. The rider can prove valuable in the time of need. As no one knows what the future holds for you and when will a financial emergency strike, such money can help you reduce the financial burden. While investing in a term plan, ensure that you align the policy’s tenure as per the duration of your financial obligations, such as loans.

  • Get a high life cover

The sum assured plays a pivotal role in determining your family’s financial stability when you are no longer around. It should act as an income replacement tool and must be sufficient to help your family to meet the day-to-day costs and medical expenses as well as achieve their short-term and long-term objectives. However, what should be an ideal sum assured? Ideally, it should be at least 20-30 times your annual income. Before ascertaining the sum assured for your term policy, it becomes vital to ascertain your financial position. For instance, if you have liabilities like a house loan, personal loan, and car loan, and the sum assured is lesser than the total value of your debts, then your family will have to bear the strain of repaying your loans. In such circumstances, they will be left with no money to lead a financially independent life.

  • Reduce your tax liabilities

One of the best term insurance benefits is that you can avail of tax deductions under various sections of the Income Tax Act, 1961. As per Section 80C, you can seek a maximum deduction of INR 1.5 lakh per annum for the premium that you pay towards your policy. Additionally, the sum assured received by your nominees is tax-free as per Section 10 (10D) of the Act. So, with a term policy, you can end up saving a significant sum in the long run.

The monetary security of your family members is completely dependent on the sum assured that you select. You cannot go wrong here, as it can make it difficult for your loved ones to make ends meet, especially if you are the sole breadwinner of the family.

Understandably, you may have taken loans to fulfill your family’s wishes, like buying a house or car or taking them out for an international holiday. However, as a responsible individual, make sure that your dependents need not take the stress of paying the monthly installments and end up facing a financial crunch. So, without any delay, buy suitable term insurance plans in India and provide the much-needed financial protection to your dear ones.

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Tips to Control Your Expenses During Retirement

There are great things that come with retirement. You can finally do whatever you want since you don’t have to worry about a day job. If you worked as an ex-pat for many years, you can head home and spend more time bonding with your family. The downside is that you don’t have a huge salary each month. Retirement means a lifestyle change. You can’t continue living the way you used to since it can harm your financial stability. Remember these tips to control how much you spend during retirement.

Always stick to your budget

If you’ve been budgeting before, it’s easier to continue doing it during retirement. The only difference is that you don’t have the same monthly income anymore. You might have to move things around and cut back on some expenses. The point is that you have to stay disciplined and don’t go beyond the budget.

Change your lifestyle

You keep enjoying your monthly salary by using it in any way you want. Since you can’t spend the same amount anymore, you have to change your lifestyle. It might be time to cancel unnecessary subscriptions. You also have to stop buying the things you don’t need. It might be a significant sacrifice, but you can do it. Remember that you have a small budget for the entire month.

Don’t compare yourself with other retirees

Not all retirees have the same status. Some are more prepared since they started saving up early. Others have a high monthly salary, and they built their savings account over the years. There’s no point in comparing yourself to others. If you know people who can spend as much as they want during retirement, you can’t follow their lifestyle. Learn how to sacrifice and stick with whatever you can afford. Of course, you can continue rewarding yourself when you can afford to do it. Otherwise, you have to be frugal.

Don’t be excited to travel the world

Even before retirement, you were looking forward to travelling the world. You don’t have plenty of responsibilities anymore. The problem is that travelling can be expensive. If you have a limited income, you can’t afford to do it. The good thing is that when you retire, you have all the time to plan your trips. Try to pace yourself. If you can’t afford to travel now, you can do it at another time. Besides, you won’t enjoy the trip if you have financial problems to deal with. After working abroad for years, you might want to stay home for a while. If you wish to reduce expenses, you can start travelling locally.

Again, when you reach retirement age, you have to be more financially responsible. If you started building your retirement fund earlier in life, you would be more confident to face the next chapter of your life. If you think your retirement funds are not yet enough, you can speak with experts to help you. The experts from TailorMade Pensions will give you the information needed as an ex-pat. They can explain how to make the most of your current income as a foreign worker to prepare for the uncertain future.

Image: https://unsplash.com/photos/NZFJYpkwIXc

 

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3 Things To Try To Get Your Business To Rank Better On Search Results Pages

Whether you’re trying to get people to come to your website to buy products from you or you’re simply using your website as a way to share information with others, you’re not going to be able to accomplish either of these goals if no one can find you online. And to get found online, you’ve got to come up in the search results pages when people search for something related to your business.

While this might seem like an easy formula to figure out, it’s far from it. So to hopefully make this a little easier on you, here are three things you can try if you’re wanting to get your business to rank better on search results pages.

Fix What’s Wrong

Before you can start making any headway toward ranking better, you’ve first got to fix anything that you’ve currently got going on that’s making it harder for you.

According to digital marketing expert Neil Patel, one of the most common and biggest things that might be hurting your ability to rank well online is your links. If the links coming to your website look shady at all, you can get hit by a big penalty, which means you won’t be able to rank well in the search results. Knowing this, it’s wise to analyze your links to ensure that they’re legitimate.

Target The Right Keywords

Another reason you might not be ranking as well as you could or should be may be due to you not targeting the right keywords with your content.

To address this, Kelly Main, a contributor to FitSmallBusiness.com, shares that you need to think like your customers and target keywords or phrases that they’re actually using to search for things online. Then, when they type those words or phrases into their search engine, your business will be one of the results that they get. And if the content you’re providing is of a high quality, you should start to rank higher and higher.

Harness The Power Of Infographics

While you want to appeal to search engines in order to rank well, you also have to appeal to your target market. Knowing this, QuickSprout.com recommends that you create some visual content in the form of infographics in addition to text-based content. By creating content that’s both visually appealing and contains helpful written content, you’ll increase your chances of getting linked to by reputable people or websites as well as pleasing the bots who crawl websites for SEO purposes.

If you’ve been struggling to rank well in the SERPs, consider using the tips mentioned above to help you start to see some progress here.

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Casino Terminology: Beginners’ Guide

If you are new to casino gaming, there are a lot of casino-related terms that you must first understand right out of the gate; otherwise, your experience might not be that pleasant. While some of the definitions might be rather obvious, being 100% sure about the meaning is vital to avoid even the slightest chance of misinterpretation.

So, as a newbie, before you visit a land-based casino facility or sign up at premium rated platforms such as casino online GG Bet to have a taste of the range of games available, here’s a highlight of the most commonly used words and phrases in gambling. And if you are already familiar with the world of casino gaming, it wouldn’t hurt to scan through the terms just to make sure that your understanding of the terminologies is razor-sharp. Feel free to dig in:

Ante– an initial wager needed (normally in card games) before a hand can begin.

Bankroll– a given amount of cash meant specifically for making bets.

Bet– a fixed sum of money risked on a casino game or sports event for the chance of winning. Also known as wager or stake.

Betting Layout– the space on a betting table where gamblers can put their chips so that they can place their preferred wagers.

Betting Limits– the minimum and maximum bets accepted at a betting table or a particular casino game.

Bonus: additional sums of money or other types of perks, such as free spins, that an online casino might add to your account as a reward for just registering an account, depositing or staking a given amount on games, among other reasons.

Cage– the area of a brick-and-mortar casino where cards are kept.

Card Shark/Card Sharp– a skilled card game player.

Cash Out– to have funds from your casino account sent to your banking account via your preferred payment method.

Chips– typically tokens in form of plastic discs used to symbolize money at casino gaming tables. Chips come in different denominations depending on the game.

Cold Streak– a prolonged run of unluckiness with accumulated losses.

Comp Points– casinos would reward players with comp points based on their betting activity. In land-based casinos, comp points can be swapped for free credits/food/drinks/accommodation. In online casinos, these points can be exchanged for extra credits, free gaming rounds or even real withdrawable money.

Croupier– also called a dealer, a croupier is tasked with running a gambling table, for instance, shuffling and dealing cards or spinning the roulette wheel.

Deck – The typical 52 cards used in blackjack.

Download Casino– an online casino where you must download a given software or app so that you can start playing the games that are available on the platform.

Even money Bet– a type of bet having a 1:1 payout odds ratio. This means the potential amount that can be won is equal to the initial stake.

Expected Win Rate– the total sum staked at a game that you can anticipate to win back. If, say, a game has a 94% win rate, then ultimately, you’d expect to win something like $94 per $100 wagered. However, this win rate is often a theoretical value and doesn’t provide any guarantees for particular gaming sessions.

Face Card– a jack, king, or queen of any suit of the cards.

High Roller– a player that makes high stakes worth huge amounts of money.

House– another word for the land-based casino.

Hot Streak– a prolonged run of good luck with accumulated wins back-to-back.

House Edge– the statistical advantage that the casino has over players in all games.

House Rules– game rules exclusive to a given online or land-based casino.

Instant Play Casino– also called a no-download casino. It is a kind of online casino where you can enjoy playing games directly from your web browser without the need to download any software.

Live Dealer Games– online casino games where you get to play against real dealers via real gaming tables through real-time video feeds. Live dealer games are meant to offer players the lifelike land-based casino gaming experience remotely.

Loyalty Program– a rewards scheme that offers members of a specific casino or string of casinos exclusive perks based on their frequency of playing the available games.

Lobby– the area in a casino where you can find all the games on offer.

Multi-hand Game– a casino game you can play with more than one hand at a go.

Payout– the amount a player receives after winning a bet.

Progressive Jackpot– a kind of jackpot payout that grows with every time the game is played and the jackpot money isn’t won. Should a player win the jackpot, the value of the jackpot is reset to a predetermined amount, and the counter starts afresh.

Push– another word for a tie.

Payout Table– a table that shows the various amounts you can win for the different winning combinations on slots, video poker and table games.

Payline– A line of symbols in slots where winning symbols must be lined up to land a win.

Racino– refers to a casino that is located at a horse racing track.

Random Number Generator (RNG) – a computer program employed by casino sites to guarantee the generation of random outcomes for their games.

Return to Player (RTP) – a measure of how much a given game repays its players for each unit betted over time. Normally, RTP is expressed as a percentage, and the higher the RTP value, the more often the game will pay over a longer period.

Reels– the wheels that spin in slot games. Reels make up the mechanical part of a slot machine, which is filled with symbols.

True Odds– the real odds of a wager winning based on probability.

Three of a Kind- a hand having three cards of a similar rank.

Volatility– the level of risk that is involved with a slot game which reveals how much and how often the game is projected to offer wins. Slot games can be of low volatility, high volatility or medium volatility.

Wagering Requirements– these are conditions that dictate the amount of cash players must stake on games before they can cash out any earnings made from a bonus.

Whale– a high-value player who plays for large stakes and invests a lot of cash in casino games.

There you have it. While the above doesn’t mean that you are now a casino pro, they are a quick starter pack to make sure that you are familiar with some of the most popular terminologies.