It would be best if you had the protection of the best life insurance policy in India because accidents and misfortune can hit anyone. If you are the sole breadwinner of your family, what will your loved ones do if something happens to you? Who will take care of their needs? But if you have a life insurance cover, you can be assured that your loved ones will be protected against the financial stress of losing an earning member. 

A best life insurance plan is a necessary investment that makes you feel secure and gives you confidence in the knowledge that your family can continue living the same life, even if you are no longer there. 

Here are some of the features of the best insurance policy in India that makes it such an important investment in your financial portfolio. 

1. Issued in the name of the policyholder

A policyholder is the one who pays the premium for the life insurance policy to be active. The contract is between him and the life insurance company. One of the main features of a life insurance is that it can only be issued in the policyholder’s name. While typically, the life insurance plan only has one policyholder, sometimes one may also be able to open a joint life insurance account. 

2. Payable premium

A premium is an amount a policyholder is liable to pay to the insurer to cover their life. You can choose the premium amount as well as the frequency of payments as per your preference. However, you need to pay the premium amounts regularly to be able to enjoy the benefits when the time comes. 

3. Maturity benefit

 A maturity benefit is paid to the policyholder when the policy term is completed, and the contract terminates. The insurer is liable to pay the sum assured only in two circumstances – when the policyholder dies or when the policy matures. However, if you invest in pure term plans, there is no maturity benefit because the sum assured is only paid at the time of death. 

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4. Sum assured

This is a significant consideration when investing in a life insurance plan. Even the best life insurance policy in India will fail to deliver its benefits if you do not choose the sum assured accurately. It is defined as the amount that is paid upon the policyholder’s demise or policy maturity. Sum assured is meant to cover all the expenses and liabilities of your dependent family members. As a general rule of thumb, keeping the sum assured value at least 20 times your annual income is advisable to adjust for inflation. It would help if you also kept in mind that this amount can be customized to suit your budget and needs. 

5. Policy Term 

Policy term is the duration within which the insurance provider will provide cover to the insured person. It is also the time period within which the contract is active. You choose the policy term at the time of buying your policy. The best life insurance plan will protect the end of this time period. You can customize the policy term as per your needs and requirements. For example, you can choose to stay covered for 20 years if you want your life insurance policy for only 20 years. Some plans will provide you coverage till the age of 99 or more. 

6. Nominee 

A nominee or beneficiary is the one who is listed in the life insurance contract as the person entitled to receive the benefit in case the policyholder dies. It would be best if you assigned a nominee at the time of buying the policy. However, you may also be allowed to choose the nominees at a later stage. What’s more? You may also be allowed to change your nominees at any point during the tenure of your policy. 

7. Claim 

After the insured person’s demise, the policy beneficiary can file for a claim with an insurance provider to receive the benefit. However, to ensure that you receive the promised sum assured, you must always buy a policy from trusted insurers with a claim settlement ratio over 90%. 

The best life insurance policy is not that hard to find if you know where to look. All you need to do is understand the key benefits and features to compare carefully before buying a policy. Many insurance providers, like Max Life Insurance, offer helpful online tools to compare and buy policies online. 

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Your HVAC System

This may sound strange, but humans are perfectly capable of living without an HVAC system. What humans cannot do, however, is live without air. If you have an HVAC system, the quality of that air will be regulated by that system.

Germs, viruses, bacteria and mold spores and other microorganisms are a constant danger to the quality of your indoor air quality. You can decrease this danger by properly cleaning your vents, air filters, coils, and ducts and by installing UV lights in your HVAC system. UV lights are great for killing germs, viruses, bacteria and mold spores and other microorganisms and contaminants.

Installing a HVAC UV light in your HVAC unit can be expensive, as can installing other ultraviolet lights and UV lamps in your home, but the advantage of eliminating contaminants and pollutants can be worth it. You may be able to use cryptocurrencies to pay for these home improvements, providing a solution to this problem. Let’s look at how to use cryptocurrencies to fix your HVAC.

Crypto Payments

Visa is now accepting payments in Ethereum and Mastercard has its own Bitcoin card. PayPal allows its users to buy and sell large cap cryptocurrencies, such as Bitcoin, Ethereum, Bitcoin Cash, and Litecoin. Despite the Great Crypto Crash of 2021, one might say that cryptocurrencies have arrived as a payment system.

You certainly have the option of using cryptocurrencies to pay for home improvements, and you can even do so from your mobile device. The question that needs to be asked is whether or not you should.

Blockchain is a new technology that still has a lot of “bugs” in it. The Great Crypto Crash of 2021 started because Elon Musk publicly objected to the energy cost of mining Bitcoin and, as a result, Tesla refused to accept payment in Bitcoin. Ethereum has high “gas fees”, these being the price per Ethereum transaction. Ethereum 2.0 is supposed to have a solution to that problem, through the use of Aventus and other cryptocurrencies to lower the cost of Ethereum transactions, but the implementation of that solution may have been hampered by the crash.

On the other hand, digital currency is not going away and the need for better payment systems has been established, with blockchain technology supplying the solutions. The COVID-19 pandemic has led to the digitization of everything, including our payment systems. Successful entrepreneurs like Mark Cuban have said that the rise of digital currencies is inevitable, and he’s likely right. There may soon come a time when paying for your home improvements through digital assets like cryptocurrencies and non-fungible tokens (NFTs) will be cheaper, faster, more secure, and more convenient than using regular fiat currency.

Storing Your Wealth

In a hyper-digitized age, hacking has become a real threat, as was sadly demonstrated by the Mt. Gox scandal. As governments scramble to regulate blockchain technology, the security of one’s digital assets should be a top priority. Data encryption, private keys, cold storage, QR code, updated password and pin code, and two-factor authentication are all useful, but the one should really be familiar with the various types of wallets and digital wallets that are out there. You can opt for a hardware wallet, software wallet, web wallet, desktop wallet, paper wallets, and more. Finding the best crypto wallet (such as a Trezor Model T or a Nano X) is a personal journey that one should be taking for the long term. It’s worthwhile to read up on the various crypto wallets out there to be sure that you’re making the best choice for your digital assets.

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Attractive Images Make Attractive Sales Page

If you want to make an attractive sales page, there is no other way than having some attractive product images. It is the product images that get the most attention upon visit. Once the buyers are satisfied with the image and how it looks, they start reading the product description. No one goes any farther finding product descriptions and how much it cost and what color or shape it comes in if the image is not attractive. It is therefore extremely important to have attractive product image to give your product page a fresh and attractive look. 

When it comes to clothing web shops, ghost mannequin editing is one of the areas of product photo editing that creates ghost look of the clothing item. It is the new type of product image that is gaining more and more popularity these days among the clothing item sellers. Wince it is a bit costly and takes few steps, smaller clothing retailers sometimes cannot take advantage of this editing type. But if you think of a business that sells few thousand of even few hundred items in a week, then the cost of editing is well worth it. 

Ghost Mannequin Editing is the way to go

No other types of product image will give your clothing store a fresh and attractive look than ghost mannequin editing service. Even if you have a product site with model images on it, it might not look as attractive as one with ghost mannequin images. 

Having model image on clothing sites creates certain issues. It is expensive to hire a professional model. It also takes time for the model to change dresses in between shoots. Each item shoot therefore takes a great deal of time. While with ghost mannequin, it takes very little time to dress the mannequin and keep shooting. A professional photographer can shoot lot more images with mannequin that with models. It is therefore not only attractive to have ghost mannequin photography on the product page, it is also cost effective.

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This is why all businesses should make it one of their priorities to have a contract in place with an on demand, emergency glass repair service and one that has a decent track record to show for itself. For all Australian businesses, one such place to go is the Glass Express (also known as Express Glass), a company specializing in emergency glass repair and replacement and servicing all major cities and towns across the length and breadth of Australia. 

Why Is Emergency Glass Repair Important?

Few may wonder as to if the glass is damaged for good and you’ll have to replace the glass anyway, why opt for emergency repair and not replace it right away? Well, the things is, modern buildings today use all the different types of glasses and even for a highly resourceful glass repair and replacement company, it may take time to find the exact match for your broken or damaged glass. 

By way of an example, we mentioned Glass Express before and the company recently completed a project of replacing four broken skylight panels in a busy shopping mall. Now, the glass matching process for the broken panels took no less than 3 months (3 months, yes!). This is because Glass Express did not want to do a patchwork of it and made sure that they choose only the very best and energy efficient glasses for the project but also ones that match perfectly with the adjoining old glass. This was to make sure that the appearance of the façade can keep its aesthetic intact. 

Once the right glass was found, the work itself took no more than 2 nights to complete. In nutshell, the critical aspect of any broken glass job is to find the right replacement for the glass itself and THAT takes time. Of course, you won’t have to wait as long as three months for every replacement job. And all professional glass replacement and installation companies will do their best to find proper replacement glass as quickly as possible. That said, there are several factors, such as special tints, glazes, custom sizes and more, that are unique to each project, and this often results in lengthening the timeline. This is when emergency glass repair services can bail you out until a more permanent solution is found. 

Failing to Address Damages Glass Issues Can Hurt Your Business

Your failure to address a damaged or broken glass issue can compromise your business in a number of ways. For starters, this can seriously compromise the safety of your customers and employees. If the broken glass is on an external wall of the building, it can pose safety hazards for wayfarers as well as turn into a security threat for the business (burglars breaking in, etc.). Finally, if you let a broken glass issue unattended for an extended period of time, the energy usage costs for your premises will go up and this can even lead to your business slapped with a low energy rating. 

However, a broken glass, if left unattended, can affect your business in more direct manners as well. For example, if the damaged glass happens to be in a customer-facing area or the storefront itself, this is not only potentially dangerous, but it will also give an ungainly appearance to your office or business. Subsequently, this can potentially deter the customers and can also hurt the overall reputation of the business. And needless to tell that if it so happens, this will directly affect the bottom line of your business in the form of stunted revenues. 

Making Sure You’re Working with a Reputed Emergency Glass Repair Service

Now that we know the importance of emergency glass repair service, one also has to make sure that he’s working with the right company. First of all, relying on easy and quick fixes such as a boarded-up storefront is obviously a strict no-no (even so, there are glass repair companies that are known to resort to such methods!). Customers may be left guessing whether your store is open or not!

However, all renowned emergency glass repair companies such as Express Glass will have personnel equipped with a wealth of experience (both in regard to glass repair in general as well as the specificities related to any particular area or region). Blending that experience with cutting-edge technology means a company like Glass Express is able to tackle any and all commercial glass repair and replacement no matter the type of the job at hand (from simple window and door fronts to decorative and sophisticated glass repairs). They will fill in cracks and chips in the broken glass as part of the emergency service until a more permanent solution is reached at. 

At Glass Express, our experts are familiar with all the different regions of Australia, and they will offer rapid and efficient solutions considering the local conditions of a particular place. Security and safety of your business premises is guaranteed when you work with Glass Express.

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What Is a Social Media Marketing Agency?

A social media marketing agency is a company that helps businesses develop creative, engaging content through social media. According to Pew Research Center, over 70 percent of Americans have at least one form of social media, so proper use of those platforms will be crucial to building a solid social media presence for your real estate business. Luckily, working with an agency specializing in digital marketing that’s focused on real estate can help you do so, even if you are not so technologically inclined. 

So whether you just started on your real estate journey or are an established company looking to grow your reach, here are eight reasons to hire a social media marketing agency today. 

Building Brand Recognition

One of the best things social media agencies can do is help build a positive brand reputation across all platforms. On top of running your company, it is challenging to keep up with the ever-changing social media trends. Working with an agency can help take your brand to the next level by applying specific techniques designed to grow your business. They know the best times to post, what content to post, and where to post it. 

Building a Strong Client Base

As a real estate agent, having a strong client base is crucial. Working with an agency can help your brand become more accessible so you can turn followers into clients. An agency will help you create content, like posts, and engage with your audience to grab a visitor’s attention, leading to increased sales, website traffic, and more. 

Create Engaging Content

Creating engaging original content can be challenging, especially if you are not well trained in social media marketing. Working with a social media marketing agency, however, can do all the creative work for you. A strong agency can help create informative posts, funny memes, and inspiring content that grabs your audience’s attention. In addition, agencies can apply what they’ve learned from working with other companies to provide the best techniques possible. 

Promote Brand Values

For a successful real estate business, it is essential to establish core values that speak volumes about your brand. Working with a social media agency will not only help you develop those values but will help you project and maintain them across all of your social media platforms. Agencies will help promote your real estate brand in a positive light through creative, engaging content that makes followers want to work with you. 

Dealing With Competition

Working with a social media agency, especially one dedicated to real estate, will give you a necessary edge over your competitors. They will know what works and doesn’t work and help you create unique content to help you stand out among the rest. 

Access to A Team Of Professionals

Working with a social media marketing agency gives you access to a complete team of professionals ranging from graphic designers, advertisers, copywriters, and more that are solely dedicated to your social media presence. Having a field of expertise supporting your brand can help you focus on other aspects of your business, like meeting with clients and organizing open houses. 

Save Time With a Social Media Marketing Agency

Working with a social media agency will help you promote your brand across multiple platforms in much less time than doing it on your own. The quicker you build a following, the quicker you can reach your real estate goals. If you struggle to develop a strong, successful social media strategy, consider working with an agent today. 

The post Organically Grown: How Businesses Can Take Advantage of Social Media appeared first on Liist Studio.

In terms of costs, there’s one entry that is always at the top of the list: employees. Even if a business only has one or two staff members on the books, paying these wages each month means there’s considerable pressure to keep generating income – and that’s not even accounting for other expenses. 

To ease this burden, here are five methods to reduce employee costs without needing to show someone the door. 

1. Reduce employee turnover

First of all, you should be taking the steps to ensure employees don’t want to leave for greener pastures. The reason is that it takes a lot of time and resources to bring in new talent. You have to advertise, scour applications, conduct interviews, check references, provide training, etc. 

To reduce employee turnover, there are numerous steps you can take. Supplying a warm and welcoming work environment is imperative. You should also offer flexibility, training and promotion opportunities, and regular positive comments for a job well done. 

2. Avoid overtime

To reduce your expenses in this area, enhancing the efficiency of your labor costs is vital. One way of doing this is by eliminating overtime from the equation. The odd bit of overtime might not seem like much, but it can quickly add up if it becomes a regular occurrence – and if you possess a mid-to-large workforce.

With the overtime rate being higher than a standard rate, an easy solution can be to hire a part-timer staff member to fill the gaps. 

3. Revise your health insurance plan

It’s an aspect that business owners often overlook, but it is also one of the easiest ways to reduce employee costs. Health insurance coverage for your workers is not cheap. Yet it’s possible you’re overpaying for this service. 

To check, do a quick comparison of health insurance quotes to find the best price for your company. Even if it’s only a small reduction for each employee, this can make a significant difference to your monthly expenses. 

4. Utilize outsourcing 

Instead of enlisting a permanent staff member, it often makes sense to utilize outsourcing. This is especially the case when certain tasks only need to be completed sporadically or when your budget cannot afford to bring in an entire in-house team of specialists. 

Say you require IT support. Instead of bringing in a specialist as a permanent employee, you can enlist the services of an IT agency. They can then step in and help when needed. 

5. Automate processes

Automation is another way to reduce the need for additional in-house employees. Rather than letting your staff members deal with monotonous, trivial tasks, there’s the possibility to automate these via technology. This frees up time for workers to focus on more important areas of your business, while you also don’t have to bring in additional help. 

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This also explains why art has been an essential part in so many cultures across the world. Even so, the Chinese are known to give utmost importance to art, and it only reflects in their mesmerising collection of different forms of art. The best part is that art collectors across the world are striving to preserve this heritage, collecting these art pieces to help other people enjoy the comprehensive benefits they offer.

Chinese art is so exquisite that it is attracting global collectors, who collect these art pieces for public displays and private collections as well. Let’s find out who the top collectors in this country are:

Adrian Cheng 

The founder of K11 Art Mall and also leader of New World Development, Adrian Cheng chose to combine his retail services with contemporary art collections. All K11 malls now allow contemporary artists to display their work. Since its launch, K11 has held over 60 exhibitions. It is heartening to see how hard Adrian Cheng works to promote contemporary Chinese culture.

Qiao Zhibing

One of the most popular Chinese art collectors, Zhibing was a sound engineer before he opened nightclubs in Hainan, Shanghai and Beijing. The interiors of these nightclubs feature amazing artworks, which Qiao handpicked in 2015 from across the world. These unique art pieces have cost him over 1 million dollars each. In 2019, Qiao Zhibhing opened the Tank Shanghai Complex to display art pieces, and now, it is one of the widely known recreational  facilities and museums in China.

John Dodelande

Thanks to all his work in the field of art, John Dodelande is also known as the ambassador of Chinese contemporary art in western countries. He worked with Adrian Cheng to author a book “Chinese Art: The Impossible Collection”. This book features works from many Chinese artists. His focus is more on contemporary art pieces from Mainland China, with special emphasis on silk items, and organises many art exhibitions in China as well as Georgia.

Wang Wei and Liu Yiquan

Both of these popular art collectors own two art museums in West Bund and Pudong, China. The collections in these museums are diverse – you will find everything right from traditional calligraphy, modern calligraphy to contemporary art pieces in these art museums. Most of these artwork were developed during the Song dynasty. Along with the splendid artwork, you will also find some of the best academic and art piece advisors in the museums as well.

Summing Up

Contemporary Chinese artwork is different as compared to those sourced from other countries. To know and find authentic Chinese artwork, you need to follow art collectors including John Dodelande. You will als know more about how much the Chinese art industry has evolved since the beginning.  

The post The Leading Art Collectors in China appeared first on Liist Studio.

You must follow these tips for a successful response rate when you send out invoices to your clients. One of the main reasons for a low response rate is that it’s too intimidating and overwhelming to think about sending an invoice. Here are simple invoice tips to allow your invoices to reach out to more people and increase your response rate.

These tips include formatting your invoice, including information on the client’s account, sending the invoice digitally, and using email templates.

Create Clear Invoices

When an entrepreneur makes a sale, there is often a point where they will need to issue an invoice to their customer. These invoices should be clear and concise, giving the customer enough information about the products and services that they’re buying.

It can often be difficult to create invoices that are not boring or that don’t seem like you’re trying to hide something. With this article, we’ll show you how to create invoices that are both informative and engaging.

The first thing you’ll want is to list all of the products in your invoice with their respective prices. This will keep your customer informed if they want more or less than what you initially quoted them for in terms of quantity or pricing changes. Next, include any additional information about the product such as how

To create a clear and professional invoice, it is essential to include details such as the description of the services provided, the type of product/services, date of delivery, or start date for service.

Invoices can be used in many different types of business, such as business to business (B2B), business to consumer (B2C), and government organizations.

Based on this introduction, it is apparent that an invoice is a document that provides information about a transaction between two parties. Therefore, it can be created by anyone who needs one. However, when creating an invoice, one should provide information about what they have done and when they finished it.

Don’t Create an Invoice With Empty Space

When you create an invoice, make sure to leave a certain amount of space. This is because if you don’t leave enough space on your invoices, it might turn out to be difficult for the customer to read.

This can happen because when they open your document and scan it for information, they might miss important details on the same line as what they were reading.

They might also not remember a space before one of the terms on the same line and end up deleting it when they try to find out more about what was written in their document.

Invoices are the most important part of billing software. They contain the date, time, client’s name, type of service, and invoiced amount. Therefore, your invoices must be error-free and accurate.

Although there are many invoice templates available on the internet for you to use, please do not create an invoice with space on it because this would indicate that you did not follow your company’s billing policy.

Multiple Payment Methods

Payment methods can be divided into two types – prepaid cards and online payment systems. Prepaid cards are more individualized and might be a better payment option for people who want to keep their financial information private. On the other hand, online payment systems allow companies to process payments more efficiently while also making it possible for clients to maintain a personal account on the platform.

To work with many different types of clients, businesses need to accept multiple payment methods that can suit their needs and those of their customers. This helps them avoid potential conflicts over minor differences, such as processing fees or prices. In addition, accepting different forms of payment helps them attract new customers by letting them know you have a wide range of options available.

Create Invoices With Line Items Broken Out

Invoicing is an important part of running a business. It helps to keep track of where the money goes and can collect payment on time.

This guide will teach you how to use Microsoft Excel to generate invoices with line items broken out.

Microsoft Excel is one of the most popular spreadsheet software in the world. Businesses use it for budgeting, tracking sales, managing orders, and more. It’s also good for creating invoices with line items broken out.

As businesses are becoming more technology-friendly, spreadsheet software makes generating invoices easier than ever before. This guide will teach you how to use Microsoft Excel to generate invoices with line items broken out.

The post Foolproof Tips To Create an Invoice That Performs appeared first on Liist Studio.

Luckily, there are some easy ways to significantly decrease your cost and save loads of cash.

Have it at home

Renting out a place or paying for a meal at a restaurant can get pretty costly. If possible, consider having your party at house. This might not job if you live in a little area or if you are having a bigger event, but it is definitely a horrible idea if you can swing it. If you want to perform something unique or do not want to handle all these arrangements, you can hire an entertainer or a caterer. It will still likely be affordable than holding your event somewhere else.

Restrict the guest list

No issue what kind of party you are having, a big guest list will mean big costs. When you have more people coming, you will have to buy more drinks, more food, and even possibly need a bigger venue. Restricting your guest list to those who you truly enjoy being around and those who mean the most to you may be a clever way to keep costs in check.

Shop at discount stores

Dollar stores and discount stores like GreenPromoCode.com are best options for cheap decorations and other party necessities. You can buy napkins, balloons, utensils, tablecloths, and everything else you need most dollar stores, and you will keep a lot of cash at the same time.

Do not go overboard!

You do not need to have every big decoration you have seen online. If you want to ensure that people have something to post on their social feeds at your party, target on 1 or 2 perfect decorations that are fun and artistic with promo codes. Bear in mind, the key point of the party is to get every person combine for an enjoyable time, so you do not need to go out on the decoration. By getting artistic and making some decorations yourself, you can keep money and your party should still look remarkable.

Consider when to have the party

If you do not want to plus cost of serving a complete meal at your party, consider the timing of it so it falls outside of ordinary mealtime. For example, you can make the begin time after dinner and then you will just need to serve snacks and drinks, instead of a more big meal-service.

Restrict alcohol service

One of the top ways to decrease cost on your party is to restrict the type of alcohol you use.  You might want to stick to providing just beer and wine. These are not as expensive as having a fully stocked bar or many different cocktails. You do not need to shell out for premium drinks such as vintage wines or aged spirits, for example. Most people will have no problem with domestic beers and affordable wine. The excellent choice may also be to just following the BYOB policy.

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