July 2018


Home renovation can be a big stress and requires getting a personal loan for repairing or renovating your house. But banks are desperately looking for borrowers, who have a decent credit history and have a capacity to pay off the loan properly without risk.

Home Improvement Loans

Personal Loan can help you begin the home renovation, but the other possible option is to get a home improvement loan from the bank if you only want the loan to renovate the house. The loan on home improvement can get you tax deduction benefits while a personal loan will not provide you with any tax benefits.  Note that a home improvement includes reconstruction of an existing old property or newly purchased property or apartment.

Home Renovation Loans

An estimate of the cost of the renovation is required at the time of applying for the loan and needs to be submitted with all your documents. A home renovation loan will help you extend your property, such as getting an extra room or making an extra floor, balcony, plumbing or exterior elevations work, all are covered under the home renovation loan.

Notably, making your kitchen modular and getting a new wardrobe is not covered under the home improvement loan category. For such furniture purchase and work, a personal loan is better, but you will not be eligible to apply for any tax exemption.

Mostly people avail a personal loan in case of renovation because of the scope of work involved. But in some cases, it is possible that they are not aware of a home improvement loan.

Choosing According to Tax Benefits

If you do not want to avail a home improvement Loan for a small amount, then you can avail a personal loan against gold or fixed deposit or even property, to benefit from the lower interest rate. But home improvement loan will help you get a tax deduction on the loan repayment.

As per income tax act, section 24, the interest paid on the home improvement loan can be eligible for tax deduction up to INR 30,000 p.a. but the owner and the co-owner only can avail the benefit.

Documents Required

Documentation required for a Loan on Home improvement are as follows:

  • Proof of identity and resident
  • Proof of Income
  • Employment contract/Appointment letter
  • Bank statement
  • Passport size Photograph
  • Cost of Reconstruction of the house
  • Own contribution for home construction

Most important Documents in terms of obtaining Home re-construction Loan are:

  • Title deed of the plot
  • Copy of the plans, approved by the local Authorities
  • Construction estimate by an architect/Civil engineer

So the better option always is to go for a home improvement plan rather than personal loans, as you will find this much better in terms of tax deduction and other benefits offered by the banks. But specifically in terms of small amounts required to improve a house, it is advisable to not get an unsecured personal loan than a loan against some fixed deposit or Gold to avail very less rate of interest.

Home renovations can be a costly yet necessary expense to improve the experience of living in your own home. And of course, we all wish to live in a house that best reflects the things that comfort and delight us. But there is necessarily a cost associated with all of this. It, therefore, is important to balance between the things you want and its long-term impact on your finances. Accordingly, you can go for a personal loan that best serves your interests.

Creativity can help you generate more income with ideas that can be implemented from the comfort of your home. Five most effective Small Business ideas for women to develop From Home for Selling their own crafts can be a great opportunities to make a good money.

Would you like to create your own small business but cannot do it because you are women and you do not have a place to settle down? Forget that and start your own small business from home! Here I will discuss the five small business ideas that you can develop from home comfortably. Impossible!

Small Business ideas for women

Blog marketing:

It is the simplest way to start a successful small business. Just pick a topic and write about it. Write about what you are most passionate about. Read books and visit other sites related to your topic and that’s how you will gain some experience and your articles will also be helping you to implement your business ideas. If you could contain some higher quality article on your blog post, people who feel interested with your topic and they will look for your blog and if they like it, they will come back to see you.

The traffic factor of visits plays a very important role in this type of business since if it obtains good results and it can also generate income through publicity. As a business mode, you could offer to sell other third party products on your blog.

Share your talent:

If you would like to share your skills and knowledge with others then you can take the opportunity to teach them from your home, of course with a fee and it will give you a way of making profit.

You may also like to read: 5 best businesses low investment for the year 2017

Evaluate which subject is best, for example if you have facilities with a musical instrument and promote your classes on the web or with close friends. Today many people work from home offering classes through skype or other programs via online.

Child care:

If you like babies you can offer their services by caring for young children in your own home. This can be a good business opportunity for you, taking into account that the vast majority of parents work outside the home and consequently childcare services are demanded. Once you open your business, you can expand your task with a blog where you show photos and tell the parents what activities they do, etc. This will ensure the good care of babies.

Pet care:

You can also take this idea into account if you are a pet lover and create a space for dog care, for example. Many people cannot give enough time to their pet because of their busy work schedules. So you can grave the opportunities for taking care of their pets as they will give you good money for your pet care service.

Craft business:

Do you have skills for crafts? Do not waste your time and take the advantage of that virtue. Depending on your skills, you can build your own clothing line in your craft business. There are no limits to what you can sell on the Internet. You can develop your own website, present and sell your own products.

As with all other small business ideas, the most important thing about this is that your products are of quality and different from what is already on the market. Get smart and you will see that your business will be a success!

What do you think of when someone mentions the phrase “business centre”? Some may have a mental picture of a suite of offices or several buildings placed on an attractive landscape. Others may think of a work space with a slightly different look and feel, such as a ready-to-use industrial or commercial space. Both of these visions are accurate, and both are available to you when you make arrangements with one of the top providers of business properties.

Build Your Business Here

If your plans include finding the right space among Swindon business centres, you can start your dream business or relocate a current operation here with all the time and space you need to grow. For example, you may need an office space to meet the demands of a productive staff. Choose from a range of sizes (142 sq. ft. to 660 sq. ft.), with each unit tailored to match your specific needs. You’ll have access 24 hours a day with swipe-card entry, an on-site cleaner, and communal washrooms and kitchenettes.

Industrial Units

If your needs are of the industrial variety, you also have access to an array of sizes, from 1,400 sq. ft. to 28,000 sq. ft. Secure a starter unit with washroom and toilet facilities, three-phase electric boards, and telephone and broadband lines already installed. You’ll benefit from a three-phase roller door and a convenient side door. Of course, you will have 24-hour access seven days a week.

Whether you arrange for a great office space or industrial space for your growing business, you’ll never have to be concerned about security. Your premises are protected by CCTV, monitored and recorded 24 hours a day. Intruder and fire alarm systems are state-of-the-art as well, with monitoring by a remote security team. Don’t let a lack of suitable space keep you from realising your business dreams. Talk to the leaders in the field and grow your business.

If you are considering moving into the retail food industry, there is much to learn. Whatever your concept, it will have been done many times before, and the success of your business would largely depend on several key factors. If you live in Australia, for example, and were to really look at what type of eateries are in trend and seem to be busy, you would find, more often than not, Asian cuisine is at the top of the tree.

Why Asian?

Well, if you think about it, the consumer is always looking for something unique, and the Asian tastes like Thai or Indian cuisine can really be a pleasant change. This doesn’t mean that the consumer is living off an Asian diet, far from it, but whenever they go out, they do like to have something they know they will enjoy. Let us not forget that the many thousands of Australians who have holidayed in Bali, Thailand, or Malaysia, will already have an association of that cuisine, and going to a Thai restaurant kind of takes you back to that perfect holiday.


If you are going into the Asian food market, be prepared for some serious competition, and you will not be able to do this without the help of someone who is native to the cuisine you are offering. Only a Thai knows how to cook Tom Yam, so whatever the cuisine, enlist the help of a professional native, and maybe even hire a complete family, who can not only prepare the food, they can also serve in traditional surroundings, making the entire experience a unique one.

The Kitchen

Asian cuisine involves larger gas burners for the various woks, and with high heat capability, and plenty of burners, your kitchen has the basis of what it needs. There are online suppliers of Asian cooking equipment, and with a range of appliances, you can quickly create the ideal kitchen for your target menu. Refrigeration is vital, with adequate freezer space a must. Some of the special ingredients you use will be frozen, while others will need to be delivered on a daily basis. Lots of worktops need to be prepared, as Asian cooking is all about preparation, and if you are planning to display your menu, you will need the right kind of food display cabinets, which can be ordered online.


These are very popular, as many people do not have the time for a dining experience, and to be able to walk in and take home a delicious Asian meal is very tempting. The only way to make this kind of business work is to have a system whereby you can service high volumes of people in a short time, all with the same standard of quality and service. If you can do this, and your menu is good, then it is just a question of keeping on top of things. Asian Kitchen equipment can be easily sourced online, and with a team of trained staff, your menu should be an instant hit.

The Asian food market is very strong, and if you have done your market research and have covered all the angles, there is every chance of success.

The business industry is fast-phasing. Every business owner knows that the competition in the market is so huge. So Entrepreneurs find ways to maximize their marketing strategy so the market will be able to acknowledge their leads in the competition. Since the competition is arising, companies demand of a solid marketing strategy. Internet marketing is one of the best and proven, but most companies have forgotten the effectivity of business photography in marketing a product, service, or brand. Look around you, and you can see a lot of photos that are posted in the advertisement such as a billboard, magazine newspaper even and television and also on social media. Check the potential of business photography marketing; it is very rampant since people can quickly catch their attention through pictures. In his article, we will talk about the importance of business photography, especially for business startups.

Business Photography Increases Engagement

Pictures are more accessible to share on a social media account rather than text. If one of your followers continually sharing Photos of your brand or products,  there will be a significant possibility that more people will be able to take a look at your photos. Also, a chance of going viral is very high as long as the content is trendy and very eye catchy. Fortunately, there are many photographers in Houston that you can count on. You can hire one and let them do the business photography.

Business Photography Provides Easier Understanding

Most people like visualization as images are easier to read or to comprehend. It will take you a few seconds to be able to understand what’s going on in a picture. While in reading text, you may need to read at least 75% of it to see the big picture. It is because the human brain readily comprehends things on a visual representation rather than reading. It will let the viewer process the image in less time.

Business Photography Generates Sales

When there is a picture or illustration of a product, prospects got the grasps of how it will work with them. Business photography allows consumers to visualize themselves using the products. When business photography is done in a clear and understandable representation, it will drive more sales to the company.

Business Photography Grabs Audience Attention

Since more people appreciate things that are nice, beautiful, and good-looking, they tend to be attracted to excellent business photographs. So make sure you hire the best photographer to do the job for you. As they said, leave your marketing into a great photo. Let the picture speaks for itself.

Business Photography Make a Positive Impact

Photos are very expressive. Sometimes, the most complicated explanation can be easily explained in a picture. Even kids can easily understand business ads illustrated in photos. Try to do an observation, go to a fast food restaurant and take a look at the menu. Ask for a list with just names on it and ask for a list with pictures on it. Which of the two menus created a positive impact on you? See, it all matters to use business photography.

The Skill To End All Skills

Business owners are required to have one skill above all others. They need to be able to speak well. So much of the success of their business hinges on their ability to address individuals and groups effectively and compassionately. Even small-time business owners have to utilize their voice. In a competitive market like those found in local environments, small business owners have to reach out to their communities and convince them to try their product or service instead of their competitor’s. The business owner that can best reach their intended audience will be the one that wins out and stays in business longer than the one who was unable to make that connection.

For owners who own a large corporation or who intend to grow their business to that level, speaking well is just as important. While you need to not only be able to communicate with customers, you also need to be able to speak to your peers. Fellow businessmen and women that you want to include in your venture will expect a certain quality of your speech capabilities. You can’t make a partnership or forge a deal with someone who doesn’t respect you because you were unable to communicate effectively. As a result, your business may stagnate. It may even fail without new blood constantly flowing into it.

Hone It

Like any skill, expertise comes from practice, practice, practice. That’s why top business speakers are constantly looking up new methods, techniques, and services that can help them better their speaking capabilities. One such organization is NextUp Speaker Management. They come with services designed to improve your speaking skill and complement your speaking performance with appropriate entertainment. They work in the world of world-class speakers, and they can offer the skills those speakers have developed for themselves to you. By relying on their expertise and enthusiastic support, you can make sure that you are ready for that next big speech and succeed.

It is very true that the key benefits of using SEO services are many for small as well as large-scale enterprises. It is one of the most demanding and valuable processes for the increasing the online visibility for the online business.

All the business are shifting into a digital platform and adopting the most favorable methods for showcasing the online products and services is just with the help of search engines optimization. Most of the established businesses are focusing towards increasing the visibility for online is essential key aspects for today’s business.

When the online merchants are using digital platform for selling their goods and services then picking the best SEO Packages in Mumbai based services. Having a responsive business website, blog, or online outlet etc all these can be easily developed by using SEO services. The most recognized services for SEO are at the peak among many recognized online traders. It helps the online traders to make their existing business more comfortable and reliable for online access.

Benefits of SEO Service from an Expert’s Agency:

  • Will receive the accurate desired results
  • Low-cost maintenance
  • Enhance the online business traffic
  • Best way to reach the targeted customers
  • Easily able to compete with other competitors
  • Increase the brand visibility
  • Create trust among the online consumers
  • It also leads to the better return on investments
  • Make your business more reliable for online mode
  • It allows reaching the whole audience in the discovery phase
  • It create the best impression for the new online customer
  • Best online marketing tool

All the consumers are very intelligent in these days and before buying the products they seek for al the availability of the online sources for checking the price and compare the best price for the same product from several online vendors. Listing the business activities on search engines site will surely help the business grow effectively.

There is a huge demand for the admirable services offered by SEO Consultant Mumbai, the team of professionally trained and expert are well aware of the ultimate fact and they believed that user trust mostly online search engines sites. So for any business sit becomes necessary to list their accurate business activities and services efficiently online and try to get help from the recognized services providers.

All these are well benefits which are associated with Seo services. With the little bit effort it I am one of the remarkable ways to increase the online traffic for all size of the business group. When the business gets listed on Google or Yahoo etc will create a brand image for the public and they trust them.

It is an ultimate truth that the use of effective and responsive services from the reputed agencies that well indulge in serving the clients with modern based SEO services than just believe that it can really bring thousands upon thousands of online visitors to your website on a daily basis.

Choose the active and admirable services from expert hands and make your online presence more visible among the online customers. Once you hire the active services will lead to enhance the profit and shift your business to next level also.

Basically, a finance team member is always busy with their work and because of that, they won’t get enough time to improve their skills. But finance members have a lot of possibilities to improve their skills easily. Great financial information can enable you to settle on the correct choices. Consistently, team members go with options that influence their organization’s financial execution, if it is planning activities, setting up a financial plan and affirming a capital speculation.

In case you are running retail or an independently employed tradesperson, online business or locally established, it’s critical to comprehend and deal with your cash effectively. Frequently these team members do not have the fundamental financial skills to enable them to comprehend the financial outcomes of their choices.

  • Effective factors

Keeping up your own Online Invoicingfinancial proclamations can likewise secure your time and cash and help persuade moneylenders you are a decent possibility for accepting finance. Subsequently, assets are squandered, poor choices get made, and the financial execution of the association endures. Revisit your checkbook or bank proclamations for the most recent year and record the amount you spent in every classification. Team members ought to be comfortable with the fundamental financial articulations arranged for outer clients and what data is displayed in every announcement. There are first class powerful ways you can improve your financial learning and construct your comprehension of financial terms, explanations, and examination. A comprehension of the financial articulations will furnish you with the fundamental wording expected to speak with your finance team members and accounting.

  • Enhanced services

If it’s for yourself or a staff part, preparing is the most ideal approach to take control of your finances. The spending planning process is an opportunity to address how assets are being utilized and in case they could be utilized all the more successfully or proficiently. There are various free or minimal effort preparing alternatives accessible. Departmental spending ought to be straightforwardly attached to the targets, techniques, and activity gets ready for the spending year and lined up with the organization’s vital outcome. There are numerous online assets and applications that can enable you to be more centered on what you are really spending. Team members should recognize and archive the working suspicions that drive their spending levels. Provided that this is true, make your financial plan.

  • Skill improvement

Team members need to examine the fluctuations against the financial plan. Know about each and every penny you spend! Every noteworthy difference, great or troublesome, ought to be inspected. At the point when individuals don’t do that, their cash keeps an eye on simply dissipate. It requires a touch of a push to search for coupons, influence records, to analyze the costs at the stores where you shop, yet it’s justified, despite all the trouble over the long haul. In case you can’t clarify the spending fluctuations in view of your insight into the tasks, you should contact the finance division quickly. Furthermore, it has a big effect. While Online Invoicingis hard to abstain from, taking in the phrasing gives you a superior comprehension of your financial articulations.

  • Huge advantages

Team members regularly present and safeguard capital speculations and vital activities intended to improve operational and financial execution. This causes you to ask more particular and regularly more essential inquiries. The financial assessment of these undertakings is a key component of the endorsement procedure. You can’t hope to have a strong financial future in case you’re not considering how to develop your cash. Financial skills are a vital section of the fundamental toolbox that any team member ought to have. Asking your professional accountant inquiries can improve the comprehension of your finances and increment your financial proficiency.

Team members ought to comprehend the financial ramifications of their choices and how to utilize financial data to improve their organization’s execution. It can guarantee you’re completely educated before settling on financial choices, and in addition enable you to reveal conceivable mistakes. Preparing and advancement associations ought to guarantee that their initiative improvement programs give the essential financial skills that their pioneers need to deal with the business all the more viable. Financial advising is a free, classified and autonomous support of assistance you improve your financial circumstance. From the above-mentioned scenario, the finance team member gets free time to improve their skill.

Facebook is still reeling from its recent data privacy scandal that erupted in March of this year and the company’s business model may have to change if regulators have their way.

Facebook, and its CEO Mark Zuckerberg were caught up in a storm over the access to users’ data that was granted to a third-party, leading to a high-profile appearance before US and UK regulators.

Although the fallout has been limited for the company’s profile so far, it is certain to bring changes to how Facebook, and other social media companies, do business.

Although Facebook has always been known as a “free” social media tool, the recent data publicity has brought further attention to the fact that this, and other social tools, make their revenues from selling customers’ private data or space to advertisers with targeted material according to users’ habits.

If there is a risk of this activity being clamped down on by regulators then Facebook may start to look at monetizing their site in ways that are less reliant on ads, with a subscription model something that has been looked at in the past.

Facebook CFO, Sheryl Sandberg, recently spoke to Bloomberg and talked of a paid option to remove users from the advertising-based model.

How much would you pay for Facebook?

In a recent survey of US users, Recode magazine found that 77% of users would prefer to stick with a free version with ads. For those that would consider the option of a paid model, 41.6% would only pay US$1-5 per month.

How much would you pay per month for an ad-free facebook?

Image source

Facebook made $12billion of revenues in the recent quarter, which was all related to advertising sales. If the company were no longer allowed the same access to user data, or saw a fall-off in users, that would hit their revenue as advertisers see less success in using the service.Whether we’re a billionaire or a not, changing financial goals and priorities affect us all. has many free online budgeting resources to improve your financial knowledge and get your finances on track.

Will paid-for social media be the norm?

If regulation does come in that forces Facebook to conform to higher privacy standards, this would have to be rolled-out across the media space and could see fees attached to using Google, or Instagram for example. These types of measures would bring big changes to the technology industry, which has seen uninterrupted growth from its humble beginnings in bedrooms and university dorms.

An interesting development in story was the resignation of one of the WhatsApp founders from Facebook’s board. Facebook bought the messaging service for US$19billion in the past and the founder was a key voice in keeping the service free. With new management now onboard, it may be that Facebook are preparing for a new business model that clears up the privacy and data protection issues through other means of monetizing their platforms.

Most people scream for ice cream, and if you sell ice cream from a cart, you could have a successful business. Ice cream is a food that is often enjoyed whether it’s hot or cold outside because of the numerous flavors that are offered as well as the variety of toppings that you can get. If you want to have one of the successful ice cream carts, then consider offering seasonal flavors that customers might enjoy, such as watermelon or peach in the spring and summer and pumpkin or peppermint in the winter.

Your cart is your method of advertising. This is where you’ll display the types of ice cream that you sell, the flavors, and the prices. Pictures designed using bright colors will stand out against a white cart, making it easy for people to see what you offer. Avoid using a lot of words on your cart because people are usually more interested in the prices and the basic concept of what you offer without reading a lot of words. If you want to attract more customers, then consider adding music to your cart. You could play music that you hear in the winter to make people think about cold desserts or music that children enjoy hearing since you’ll likely sell more icecream to children and families.

Hand-painted letters are fun and playful, often attracting customers who will ask what you’re selling and whether you drew the design yourself. If you’re looking for a professional design, then consider a wrap around your cart with letters that have straighter edges and images that have more of an official presence instead of those that have a cartoon quality. Don’t forget to change the flavors and any prices of your ice cream when needed so that customers always know what you’re selling.