Best Tips to Unpack a House

Unpacking your home is a lot like decorating it. That said, it is also a challenging task. It doesn’t matter if you’re living in luxurious houses by Lodha, or just your run of the mill utility apartment, unpacking and getting settled is overwhelming for everyone. Lucky for you, we’ve got a list of tips to help you with the ordeal. Here’s what you need to do

• Clean, clean, clean: To begin with, clean the new house, even if the landlord said the place is cleaned. Give your place a light wipe with some warm soapy mixture or a disinfectant. Once your house is clean, you can start unpacking those boxes.
• Make a to-do list: Write down the order of rooms you want to unpack and organize, based on priority. Instead of organizing everything randomly, follow this unpacking list to make things move faster and smoother.
• Unpack everything at once: This will ensure that you don’t stack away a few boxes in the loft out of laziness. Once you unpack, you will be forced to keep everything at its designated spot. This way you can also gauge how much storage space is required.
• Tidy the bed: Your bedding should be the first thing you should look out for. If your bed has arrived, unpack your bedding essentials and organize your sleeping quarters. After all, a stressful day of moving and unpacking should only end in a peaceful night on your bed.
• Move in to the kitchen: Kitchenware takes up a lot of storage space, so you should move on to unpack those next. Start with kitchen necessities and organize everything down to the last drawer. Once you’re done with this, half the work will already be done.
• Next up, bathroom: organize your bathroom next so you can pamper yourself with a hot shower after a day of cleaning and chores. A ready bathroom will also make you feel more at home.
• Wait to set up the entertainment: If you hook up your TV set or PlayStation at the beginning, you will always have distractions stopping you from unpacking. Instead, finish your unpacking and enjoy your entertainment in your freshly settled home.

Best Décor Trends for Sea Facing Apartments

There are very few things better than waking up to a beautiful sea view in the morning. With the waves crashing on to the shore, the chaotic melody of the water, and the early morning wake up calls from the birds – it truly is a refreshing way to start the day. Of course, all these poetic expressions would be for naught if your house doesn’t adequately reflect your surroundings.

For all those lucky people living in sea facing apartments, here is a list of décor trends to follow in the fall season. Now you can make your inside view look as pretty as your outside view.

Plants plants plants

Follow the ultimate décor trend – get Mother Nature home. Incorporate green elements in your house to make it more lively and homely. If indoor plants are not your aesthetic, you can line up small pots of your favorite herbs on the window ledge. You can even have an accent wall with a bright, leaf-print wallpaper in the dining room. Flowers are always a good way to add fragrance and colour to any space.

Break down walls

We mean literally. If deposit is not an issue, break down those kitchen walls and transform your house to one with an open floor layout. Most luxury Worli apartments have this kind of spacious layouts where single level islands are used as kitchen tops. They make the house look bigger and more communal.

Woo through windows

Innovative window treatments can give any house a quick makeover. Windows are the one of the softest elements of design, and often the most ignored. So, bring in the pretty by giving your windows a decorative treatment. Flowy curtains, roman shades or rollers – no matter what you choose, make sure it reflects the personality of your house. Tassels, frills and ropes also help bring in the fun element in window décor.

If you are looking to purchase a luxury residence, find out Worli sea face property rates.

 

All You Need To Know About Liquid Funds

What are liquid funds?

Liquid funds are mutual fund schemes that invest their corpus in short-term market instruments such as treasury bills, government securities, commercial paper, etc. Most of these instruments are debt securities with maturity of up to 90 days, and have the least amount of risk or volatility.

Liquid funds are ideal for people who have surplus money in hand but no desire to put it in a fixed deposit. Parking your money in liquid funds is also more prosperous than putting it in a savings account. However, liquid funds are not full-fledged substitutes for a savings account, but more of a temporary way to earn more interest from your surplus cash.

Benefits of liquid funds

Following are some of the benefits of investing in liquid mutual funds:

• Low risk: Liquid funds invest in debt securities or fixed income instruments that have very low risk capacity.
• No lock-in period: Liquid funds have no limitations of a lock-in period. Thus, they can be redeemed at any time within 24 hours on a working business day.
• Liquidity: In order to provide liquidity, there is no entry load or exit load with liquid mutual funds.
• Good returns: Liquid funds have a higher rate of interest than savings account or bank FDs. For 6 months, you can get a return of 4%, but for 1 year, you can get as much as 6% to 8%.

 

Top liquid funds in India

Listed below are some of the best liquid funds in India that you can invest in:

Fund Name	3 year	5 year
Taurus Liquid Fund Aditya Birla SL Liquid Fund(G)	7.33%	8.09%
ICICI Pru Liquid Fund(G)	7.30%	8.04%
Reliance Liquid Fund(G)	7.31%	8.04%
UTI Liquid Fund-Cash Plan-Inst(G)	7.30%	8.01%
Axis Liquid Fund	7.32%	8.05%
Kotak Liquid Fund	7.28%	8.02%

All You Need to Know About 2018 FIFA World Cup

The much-awaited FIFA World Cup 2018 is almost here. With the venue as Russia, this World Cup is going to be a treat for the eyes. So, all football lovers out there, this international sporting event is not too far off. The festival of football that happens in every four years is all set to kick off in a few weeks. The 2018 FIFA World Cup will take place on 14^th June in Russia and the tournament will end on Sunday July 15, which is the day of final match. Besides, here’s what you need to know before players take on football’s biggest stage for the month-long competition –

• When and where is the FIFA World Cup 2018?

This year FIFA World Cup will take place at cities in Russia from June 14 till June 15. Teams will compete in 11 different cities, including Sochi, Petersburg, Moscow, Rostov-on-Don, and Nizhny Novgorod, among others. The final match of 2018 World Cup is expected to take place on July 15.

• How many teams are there?

Heading to 2018 World Cup, Portugal, Belgium, Brazil, and Germany are among the highest-ranked teams by FIFA. Argentina, Spain, and France are the other countries to watch out for 2018 FIFA World Cup. Iceland will be competing in 2018 World Cup after its amazing Euro 2016 run. Panama will make its first appearance and Peru will return to World Cup after 36 years.

• Why is 2018 FIFA World Cup hosted in Russia?

FIFA has chosen Russia for its host country as a part of its campaign to spread the World Cup to new countries. In the year 2010, FIFA has also selected Qatar as its host city for World Cup in 2022. The World Cup comes exact four years after Russia hosted the 2014 Winter Olympics in Sochi.

So, get ready for the football world cup fever! Attending this mega event once is a kind of life-time opportunity. Besides, for those who don’t want to miss a single match of this epic football tournament, watch live football streaming on Sony Liv.

What is the Need for Health Insurance?

Health insurance is not a cheap investment. A lot of people might often go without it as well. Having to pay a monthly payment and some out of pocket spending, one can ponder the need for health insurance. Many in their twenties may feel like they are healthy enough and hence do not find the need to health insurance plans.

But what do you do if you have a medical emergency? In most cases, medical emergencies can leave you bankrupt if you don’t have an insurance. If you do not have a medical/health insurance, it is very easy to find yourself in a crippling financial state.

The need for health insurance is a growing one. The longer you wait out to buy an insurance policy, the potential of health risk is larger. For this and many other reasons, getting a health insurance at an earlier stage in life is essential.

Prevention and early intervention is possible with a health insurance. Many underestimate smaller health grievances to fade away. But what if they develop into more life-threatening illnesses. In cases where you are suffering from a life-threatening illness, you will need to be insured to stand a chance to treat that ailment. Get yourself the best critical illness policy that will help you remain financially stable in such circumstances. There are minor differences in a critical illness policy and a general health insurance. The critical illness is bound to give you more coverage considering the gravity of the illness is larger than normal. This gives one more peace of mind that the policy will be able to cover the cure.

The diagnosis of a critical illness is enough for you to receive the lump sum financial benefit to pay for your treatment. As opposed to a comprehensive health insurance that will pay for your hospitalisation charges after submitting the bills. The tenure for critical illness policies is usually 3 times longer than other health insurance policies.

However, regardless if you have a critical illness or not, having a health insurance is a benefit in all senses. Health insurance policies come in all shapes and forms. They can be individual, family, for senior citizens, maternity and so on. Before you get a health insurance policy check for the coverage and compare various policies to get the best deal.

5 Important Things You Should Check While Buying a Critical Illness policy

Buying a critical illness insurance for yourself can be an intimidating task. There are several things that need to be checked and compared. Here is a list of the 5 most important things you should consider while buying a critical illness plan:

• Coverage: The amount of coverage available is essential to decide if the policy is the right fit for you. As each illness is different than the next, so is their treatment costs. A cancer patient will require more funds than a stroke patient. While choosing your critical illness policy, always check the coverage amount. You can get a quote online and compare different policies to pick the perfect one for you.
• Type of policy: Are you interested in a standalone critical illness policy or a rider? As a rule, a standalone policy has more benefits than a rider. If you opt for a critical illness insurance rider with your existing medical insurance policy, your coverage amount and sum may be less. Additionally, a standalone policy will allow you to customize the cover as per your needs, and provide you with a larger financial net.
• Waiting period: Most critical illness plans have a waiting period of 2-3 years that restricts the insured from getting a lump sum payment in case of a diagnosis. Always opt for plans that do not have a long waiting period so in case you are diagnosed with any disease covered by the plan, you will have the financial security of your insurance policy.
• Exclusions and inclusions: While some diseases are pretty much included in every critical illness plan, there are exclusions that vary from company to company. If your medical history requires you to be insured against a specific illness, ensure that it is adequately covered in the policy you pick.
• Sub-limits: The nature of sub-limits can affect the cost incurred by the policyholder. Sub-limits are placed by companies to allocate the total sum assured for different expenses within the critical illness plan. So, you may have a policy of Rs. 6 lakh, but it can have a sub-limit of Rs. 3 lakh for surgery and only Rs 2 lakh for tests. Thus, checking sub-limits and doing a thorough cost analysis is an important task to do before zoning on a policy.

Which TV Show To Watch Online?

Thanks to multiple streaming applications doing the round, online TV has become as accessible as a sukha puri after a plate of pani puri. But with so many shows online, it can become a pain to decide which one. While we can’t comment on your choice, here are four shows that should find a place in your ‘to watch’ list.

1. Crime Patrol Satark

If you have not watched this show yet, you are struggling in life. How could you miss it? No other show has made the average Indian citizen so alert and aware of heinous cases around the country and how to stay safe. With accurate representation of cases without any frills or masala coupled with Anoop Soni’s brilliant presentation, this show will go down as one of India’s most watched and favoured.

2. CID

You know what, this show should be declared India’s national TV show. Where else will you find an entire special investigation team comprised of only 5-6 members in a glass skyscraper office driving the same car brand for decades and catching criminals in 30-45 minutes? And let’s not forget the characters. Taking names would be a disservice to their talent and dedication. But in all seriousness, two generations of Indians had an amazing childhood just because CID was there to save the day.

3. Taarak Mehta Ka Ooltah Chashmah

To be India’s longest running sitcom is no joke, we cannot say the same about the show itself. A microcosm of India’s diversity filled with innuendo and moral science lessons, Taarak Mehta Ka Ooltah Chashmah has created a cult following for itself which shows no signs of waning. It is one of the most watched TV serials online and offline and even after all these years, it rakes in the money like no other show.

4. Family Time with Kapil Sharma

A new show, so new that just an episode has premiered yet. So why do we tell you to watch it? Because you should believe in second chances. Yes, Kapil Sharma’s previous cult show ended on a disparaging note but even he deserves a second chance after all this time. And he did apologize. What’s wrong with giving it a go? You may end up liking it.

4 Important Pointers for when to travel to USA from India

Traveling to the United States of America is nothing short of a bucket-list item. With its vast landscapes, unimaginable natural beauty and gamut of celebrities and must-see destinations. Travelling to USA is an adventure of a lifetime.

For this reason and many more, you need to be very well prepared about the same. Whether you are travelling alone or with family and friends, here is you guide to the trip of a lifetime.

1. Bookings

Before you go for the dreaded USA Visa interview, you need to make sure you have all your bookings in place. Getting an extended US Visa is a huge deal. Hence you should be completely prepared. Make sure you make all your bookings and have the required paperwork for the same. This would include all your flight tickets from India to the United States and back. Also make sure your stay is covered as this is one thing they can ask in your interview.

2. Get insured

Being a highly consuming travel destination, getting an overseas travel insurance is mandatory. This is better than applying for a single medication insurance too. A travel insurance is a must for most travel ventures. However, a travel insurance for USA from India is highly beneficial. They will cover your flight cancellation costs, baggage loss compensation etc.

3. Plan an itinerary

This is crucial. Since USA is a huge country, finding out time or each and every destination can be hard. For this reason, one needs to be organised. Now we do not mean planning everything to the last minute, but having a general plan as to when you will be where is important. Dedicate the amount of days you want to spend in a particular city.

4. Carry printouts

You do not want to be carrying all your important documentation around all the time. For this reason, all your air tickets, hotel bookings, passport copies etc should be in the form of a printout. This will give you easy access as when needed. It will also keep you from losing your original documents.

Term Plan Benefits You Should Be Aware Of!

When it comes to life insurance, nothing is simpler than a term insurance plan. Their working is simple—if the policyholder dies during the tenure, the nominee gets a death benefit, if all goes well, nobody gets anything. This simple working has made these plans a hit amongst customers. Cost is affordable and one purchases these plans online as well. But the insurance market is flooded with players, each touting their plan as the best term insurance plan. To overcome this competition, a few players have innovated and offered various inbuilt benefits that accentuate the plan’s offering. Here are the ones you should know.

• Accidental Death Benefit: When a policyholder dies during the policy term, the nominee receives the death benefit sum (natural death). However, if the term plan had an in-built accidental death benefit, then the nominee would receive an extra sum along with the regular death benefit if the policyholder’s cause of death was an accident.

• Terminal Illness Benefit: If the policyholder is diagnosed with a terminal illness as mentioned in the policy document, he or she receives an assured percentage of the death benefit. Post which the total death benefit is reduced as per the percentage deducted for the terminal illness benefit.

• Waiver of Premium: This benefit becomes active if a certain action takes place. For instance, if the policyholder suffers permanent disability due to the accident, then the insurance company waives off all the future premiums in his term plan.

• Critical Illness benefit: If the policyholder is diagnosed with a critical illness mentioned in the policy form, then the sum assured is paid out a lump sum. During this process, the base plan continues without any obstruction.

These benefits are what accentuates a life insurance plans. There are a few of them on the market right now, search them online and compare them. And the best part? Most of these are online term insurance policies so buying them is a simple affair.

Why does one invest? – Your guide to trading in the share market

The main reason one indulges in investments is to provide enough funds for the future. Sometimes earning and savings does not help in accumulating enough funds. Investing helps in earning extra money over and above your income. The share market is one such investment avenue.

If you are a beginner, you must have wondered how to trade in the share market. Here is the simplest guide to trading.

The share market is an investment avenue where shares are traded. The first thing you need to do to invest in the share market is open a demat account.

The demat account is a dematerialised account which helps in maintaining all your securities in one place in an electronic format. This is a pre-requisite for all traders in the share market. In order to open a demat account you need to find a depository participant you want to work with. Once you have done so, you can open a demat account, receive your unique identity and start investing.

Once you have opened your demat account, the next step would be to select the right broker. Here are some tips you can follow.

Is your broker of a reputable name?

While choosing the right broker, you need to ensure that the broker has a reputable name in the market. This is of extreme priority since market feedback is rarely wrong. Talk to traders and investors who have been investing for a while before choosing the right broker.

Does your broker offer a 2-1 account?

From a retail investor’s point of view, having a 2-1 account is more beneficial than a 3-1 account. Ideally you should have the broker as well as the depository participant lined to the same account. The best account would be one that would offer you seamless 2-1 integration at a minimal expense.

Does your broker offer an online trading platform?

In the world of digital it is important that you broker has a seamless online platform where you can carry out your tradition practises. Gone are the days where you would need to stand in line and wait for physical documentation of your share transactions. For this reason, a comprehensive online platform will allow you to indulge in trade from anywhere.

Following the above tips, you will be able to identify the right broker. After this your depository participant can guide you with the kind of shares you want to indulge. This purely depends on your spending capacity, the sector of interest and other factors. Be careful not to over crowd your portfolio with shares from every sector.