Factors governing car insurance premium

Car insurance is a mandatory stage in the registration process and taking the vehicle to the road. The rates of insurance depend on the types of cars. Besides, mixed criteria for calculations of premiums are offered by various insurance companies. It is advised to be exceedingly careful while selecting the insurance to avoid getting trapped into paying twice or even more. There are different factors governing the car insurance cost say; driving history, the car's condition, coverage, and the age of the driver.

Let’s first discuss on what is the premium for car insurance

The amount of money you pay to an insurance company for active coverage is your car insurance premium. This sum may differ widely based on several factors. It is always recommended to confirm with your local Agent first. He can guide you compare car insurance premiums. You can subsequently choose the best policy for you.

Wondering how to calculate insurance premium?

The amount the insurance companies charge as the insurance premium is determined by statistics and mathematical calculations done by the underwriters of the insurance company. The insurance premium to be charged to a customer depends on life history, age and health of the applicant.

Factors That Impact Car Insurance Premiums: Each factor is weighed differently

• Insurance Location Geography
  It is one of the notable factors that decide the insurance premium of your car. The geographical location where you reside and purchase an insurance policy has a greater impact on the premium rates. If you inhabit in an area where there is less traffic you will find lower premium rates. Premiums are much higher in metros and big cities, where there are busy roads throughout the day and night.
• Personal Factors
  Personal factors play a significant role in deciding the premium rate. Women pay less premium amount as compared to men because they are considered safer drivers as compared to men. Customers’ age is undeniably an essential factor that can push costs either up or down. People below 25 years pay highest premium and person between the f 50 years to 65 years pay the smallest amount.
• Types of Engine
  If your car runs on diesel you have to pay higher car insurance premium for your car. The vehicles that run on diesel are costly, so is their IDV. Hence, the car insurance policy for a diesel engine is costlier as compared to a car that runs on CNG or petrol.
• Types of coverage
  The premium changes based on the coverage and advantages offered by the policy. There are all-inclusive car insurance plans that offer an array of benefits to the owner (driver). These are however, little pricey. Comprehensive coverage under a single car insurance plan is generally costly.
• Security System installed
  Car insurance premiums depend on the security system installed in the car. If you have a security system, installed in the car with the premium amount will automatically rise.
• Customized Car Insurance Plan
  This is an additional vital reason why car insurance premiums frequently increase or decrease. A customized car insurance plan that meets all your essential needs might cost you higher premiums. There are many insurance companies offering customized car insurance plans that give benefits that are important for individual, say personal accident coverage.
• How much you use your car:
  For those who have a long travel to work often need to pay more for insurance than someone who only uses their vehicle only for weekends. This is because of more miles behind the wheel mean more exposure to threat.
• Prior insurance history
  All claims can have an outcome on your rates. As at-fault claims will result in an add-on charge and comprehensive claims usually will not. Yes, the number of claims you make does matter.

If you have already made a number of claims, on your policy in a short period of time, your car insurance rate quotes should be higher. Car insurance premiums may change depending upon the reasons mentioned above. You can compare the premium amount of different car insurance policies online from the comfort of your home before finalizing one. There are online car insurance premium calculators available as well. This will help you out to buy the most affordable car insurance plan available in the market.

Try maintaining a clean driving record, having a good credit score, purchase a vehicle whose insurance won't break the bank, and choose the right coverage for your requirements. Understand the factors properly, grab the best deal and keep your wallet happy.

Hair Transplant Surgery: Worth It?

Manly approach always depends on his hair style. The significance given to hair as far as look is concerned is predominant. However, the environmental and genetic reasons, most of the men these days are facing issues with hair fall. None of the medicines are proved to be solving problem related to this.

Is it ok in my country?

Hair transplant in India also has become very common and practical these days. Most of the men and in a few cases, women too are going for hair transplantation. The after effects are attracting them to go for this treatment.

What types of Hair transplant surgeries are there in India?

Majorly there are two types of hair transplant in India i.e. Strip excision harvesting and Follicular unit extraction

Strip excision harvesting is the traditional way of transplantation in which the skin bearing the hair is extracted and dissevered to separate distinct implantations. This is most successful and cost-effective surgery but time consuming and painful because of the mode of operation.

Follicular unit extraction is the modern way of transplantation where the machinery also used as robotics to assist in performing surgery. The harvesting follicular is in different colours that are extracted from the men.

Wondering what is the best transplant surgery in India?

The best transplant surgery in India is still considered to be Strip excision harvesting not because it is widely used but also the after-surgery effects are also good with this procedure.

What is the hair transplant cost in India? This in general varies between 25-30 Rs per graft and for whole surgery it will cost around 35000 – 80000 Rupees. Compared to other countries the hair transplant cost in India is very less and top in the list of ten counties where the cost is less.

Now the major concern is where do I get best transplant surgery in India?

This is done in cities like Mumbai, Delhi, Bangalore and Hyderabad where there are most qualified surgeons and well-equipped centers for Hair transplantation is available.

Wondering if it has any side effects?

Yes, just like any other surgery, even hair transplantation also has few side effects that includes:

• Shock loss: This is very temporary which mean the hair becomes thin initially
• Bald patches: The fall of few hairs are commonly noticed side effect for people who have gone through the surgery

Anxious to know if any post-operative care required?

• Yes, but not that intensified. Initially would require dressing regularly till the wound gets healed
• Protection from the sun is very important and mandatory till sometime
• Shampooing the head is very important part of the treatment and few surgeons suggest for bath after 2 days and others suggest on the day after the surgery itself
• This is because to avoid scabs as they are effective in losing newly transplanted follicles
• Initially, all the transplanted hair will start falling and not required to panic about it as the new hair will start growing in no time

On a whole technology and awareness has made this process very easy and useful for people facing challenges with hair fall and regain them the confidence.

HOW TO FIND THE BEST OPPORTUNITIES BEING A GUEST BLOGGER

Guest blogging is an awesome approach to set up good connections with other reliable sites within your specialty. Bloggers are always in search for good contents, and many will bounce on a chance to add awesome substance to their blog that their readers will appreciate. The most troublesome piece of utilizing guest blogging as a connection advancement technique is the initial step - recognizing guest post opportunities. It is really important to thoroughly search for sites for guest blogging before selecting your best place. We will give the guest bloggers well ordered way to deal with finding the best places to guest blog.

A person can search on Google for the places to guest-blog. They may find authentic sites but they may also find some spammy sites, that will destroy their reputation, compromise their site, and break apart their content marketing.

So here are some steps that need to be followed by the guest bloggers to find the best opportunities:

Write on your own

The most essential part in finding the best opportunities for guest blogging has nothing to do with guest blogging itself. It needs to do with your own particular written work that is on your site. I've begun with this vital point since I trust it's completely pivotal. One needs to compose your own content.

Write about your own field

This can only be possible if the person writes their content that is about their own field. If the person providing the content on some of subjects then this won’t help them.

Compose content under your name

One should compose content under their particular name. The substance that the person is writing in their specialty must be published under their name. Anonymous composed content has no value.

Compose openly available content

Few people begin small. It is good that you are writing on your own, but you have to publish content that is available to everyone. The specialty content that you compose under your name ought to be accessible to the world at large

Connection to compelling essayists and sites

When you make content, you need to be associating with the best players. When you connect to the sites of individuals in your field, these linkbacks show up on their radars. In case that they're smart about their promotion of their content, they will observe linkbacks. This is the way you say, “Greetings. I'm in the field, as well. I admire you and simply connected to you."

Presence on social media

Today, individuals need to see that you're a genuine individual. The way they do as such is by looking at you on Facebook, LinkedIn, Twitter, and Google+. You should be available and represented on all the significant web-based social networking channels. When you begin pitching subjects and requesting a guest blog spot, the editorial manager will Google your name.

Make a list of compelling individuals and sites in your field

Prepare a list of people who come to your mind immediately and then write down the names of famous and reliable sites.

Conclusion

There is a very interesting thing about guest blogging. The more one does it, the better sites they will begin composing for. Also, if a person composes for a better site, he will eventually be capable of writing for more and better sites. Because of this procedure, individuals go from ground zero to getting to be noticeably contributing guest writers to the world's most-perceived publications, periodicals, and journals.

High Intensity Indoor Cycling Workout – Burn Fat Fast

If you are kind of a person who is very cautious about weight gain and want to reduce it, but do not want to put your efforts going to the gym or external activities the best option and most productive way to lose weight is high-intensity workout. Most of us will think workout means lifting weights and hitting to the gym. This has an alternative option also where the efforts are comparatively less and will have good benefits.

What is indoor cycling workout?

The normal cycling, we do, but instead of the physical moment from one place to another it is cycling in the same place to burn fat fast. This exercise will vary between 30-90 seconds of time. This should be done at a very fast pace without any stop or hold and once stopped after stipulated time the break should be double time of the workout time. This activity of break is called as Excess Post-Exercise Oxygen Consumption (EPOC).

What happens with this?

The post exercise oxygen intake is effective for burning calories in the body.

How good is this compared to treadmill?

It is scientifically proved that the indoor cycling workout if done for 1 minute continuously and take break of double the time will burn calories of same level if done 1 hour of a treadmill.

What are other benefits with this?

• Volume of Oxygen intake (VO2) will increase to keep you fit
• Do not require any professional assistance to perform the high-intensity workout
• Not a time-consuming process
• It is the best cardio workout with no limitations
• Impact on body will be low compared to other workouts
• Also recommended for individuals recovering from Orthopedic injuries
• Because this burn fat fast very easily can get into proper shape as the exercise is effecting on whole body and especially lower abdomen

What are the measures and guidelines for this?

• Start with 10 minutes of warm-up
• There are various methods to perform this and the apt one for new comers is to first 3 minutes of easy pedalling
• Followed with 1 minute of fast pedalling
• This keeps repeating for next 10 minutes with double break time after each activity
• Keep taking lots of fluids in between to regain the energy lost because of physical activity
• Calories consumption is not mandatory for high-intensity workout
• Light pedalling or easy pedalling will reduce the blood pressure and loosen up the legs
• Pedalling with one leg intensively will make the other leg relaxed and this can be repeated with another leg after some time

The focus should be on an effective cycling routine that will make pumping effective and also will not be time consuming because in today’s world the time is the scarcest resource one has to keep a close watch on. As with any of the workouts this also needs a doctor consultation first before starting to avoid any risks in between. Cardio and anaerobic effects are the best results and even most of the physical trainers across the world are suggesting this as an alternative of stressful workouts.

Importance of digital marketing for your business

Any business has lots of scope in the online market. These days more and more businesses are trying to capture the online market. Irrespective of the business type people have to understand that digital marketing is here to stay. If a person wants to grow his business then he has to opt for digital marketing strategies. Here are the reasons which make digital marketing important for your business.

1. Helps you get more target audience:

In India there are a number of people who have small to medium size businesses. These companies earlier had limited reach. But with the growing importance of Digital marketing in India it has now become possible for these business owners to reach out to more people and increase their customer base.

2. An affordable option:

Traditional marketing methods involve spending too much money. This is not the case of online marketing. Here the cost structure is competitive and affordable. At the same time most of the people were also getting good results.

3. The conversion ratio is higher:

The main objective of any marketing strategy is to get more customers. When you opt for digital marketing you are able to catch the attention of the audience better. They are more likely to get converted which results in better sales and growth of the company.

4. Several tools and techniques available to interact with clients:

Digital marketing has different tools and techniques which help the customer interact with clients. With the help of SEO Services India you can give the prospective clients good content which will give the customer better idea about your services. Social media platforms etc are also good ways of interacting with the customer and understanding the client’s perspective. Better interaction with customers will result in increased customer satisfaction, better customer retention and better marketing efficiency.

5. Reach out to people on the go:

We are living in the mobile world. Today, most people access the net through their mobiles. If you want to market your products then you have to be able to reach out to the people on the go. Therefore, it is important that you make use of digital marketing strategy.

6. Helps in building brand image:

Digital marketing helps you in reaching out to more customers. It helps you in getting more loyal customers. Slowly but surely all this will help you in building a positive online reputation. It will help in establishing your products and your company as a brand.

7. Better return on investments:

People who make use of digital marketing effectively are found to have better leads, better conversion and as a result better sales. In the long run, digital marketing will help in getting better ROI.

Impact of GST on Pharmaceuticals

The Goods and Service Tax Bill was finally cleared by the parliament. It has come into effect since July 2017. GST is expected to make taxation easier. It will also reduce the number of corrupt practices. It is expected to reduce the confusion that people have about the tax system in our country. Let us check out the impact of GST on the pharma sector

Effect of the new tax system on pharmaceuticals:

This new tax system is going to affect the pharma industry in a big way. It will have a good impact on the supply chain management. The manufacturing costs will come down. The profit of the manufacturers will obviously increase. The GST bill is a reliable one as it has been discussed in detail for past two years. The corporate world is very much keen to understand the impact of this bill on the different industries.

The tax burdens at State and Central level will get reduced:

The central level taxes like excise duties, service tax, excise duties under the medicinal and toilet preparations Act 1955 will be removed by this new system. Surcharges will also get removed. Different State level taxes will be merged under this tax. This will include CST, VT, sales tax, entertainment tax, luxury tax etc.

Understanding the tax law on pharmaceutical products:

One the formulations the VAT rate is 9%. On the pharma products the VAT rate is 5%. The excise duty is 12.5%. The government gives excise free manufacturing zones to these products. This is beneficial to the small manufacturers who are located in remote areas. The manufacturers in this zone have to pay an excise of just 1.5%. The VAT is normally charged on the MRP that is maximum retail price. The charges are implied at a single point. As a result no taxes have to be filed by the distribution channel. The GST on pharmaceuticals is going to ease down many things.

It is not just the pharma industry, but the entire business world is going to get affected by the Goods and Service Tax. What the business community and the common man need to understand is that this is a very good thing for the entire country. One country, one tax will surely help in reducing the taxation complications and the burdens associated with it. It is also a major step that the government has taken to curb corruption in the country. It is a step which will make the common man feel more confident. The entire country will reap the benefits of this tax. In the long run pharmaceutical manufacturers will realize that their profits have increased and the taxation is become lot simpler.

This is the just the beginning of a big revolution in the country. This bill has been discussed a lot of different levels of the government. Different amendments and changes were made and only then the new tax has been introduced by the government. This is a positive step which is going to help in the progress of not just businesses but of the entire country.

What You Need To Know When Applying For A Marriage Visa

There are a large number of couples who aspire to live in the US. If either of the spouses is an American citizen, they try to get their better half the marriage visa. But it is not an easy task. It involves many procedures. The two ways by which one can get the visa is by applying for an immigrant visa (IR1 or CR1) or by applying for non immigrant visa. Let us focus on the non immigrant visa process which is a fairly common choice of most couples.

The non immigrant visa formats:

If you are already married, then you can either ask your spouse to come to America and then you can apply for the K1 spouse visa USA. You can also apply for the visa in the country where you got married. This is K3 visa and it is the most common choice. Which is better option will vary from case to case. However, it must be noted that the requirements, time frame etc for both visas are almost the same. Also, nothing can be actually being said about the expenses incurred in both the cases.

The determining factors for these visas:

The embassy will need to get a security clearance for your spouse. This is a time consuming thing. Also, it will depend on the country where your spouse resides. The place where the marriage took place will also be a deciding factor for the marriage visa.

Here’s how you can get the visa:

What one needs to understand here is that there will be lots of paperwork. The documentation for K3 visa is more as compared to K1 visa. Instead of getting confused it is better to take expert help. You can always take the help from an attorney who will be able to guide you properly.

The procedure in brief:

If your husband or wife is an American citizen and you want to apply for the spouse visa USA then apply for the visa in the embassy where the marriage was solemnized. Documents will have to be submitted at the time of the interview. Digital scanning will be done at the time of the interview. The documents that you will need are police verification certificate, medical examination certificate, birth certificate, marriage certificate, photographs and many other such documents as specified by the visa authorities. You will also have to provide the proof that you have enough funds to support yourself in US.

To be honest there is no clear stepwise procedure for procuring a spouse visa for USA. This will depend on the individual and will vary from case to case. It is important that you understand the entire procedure from a qualified attorney. This will ensure that you apply in the correct way. Keep in mind that the path is difficult but not impossible. You can be with your better half in US only you will need to have a little patience till all the formalities are completed. The legal proceedings are always going to be time consuming.

5 Surprisingly Common Causes of Divorce

Life started treating everyone in a very humorous way. The causes of divorce today are most unrealistic and imprudent. Any relation for that matter should be respected and valued for their existence when we are referring about marriage relation this must be completely without any hesitation.

However valid reasons for divorce that people give these days force us to take it in a different way. The development and growth has taken a wrong turn where people stopped respecting and valuing their partners mostly because everyone are self-sufficient these days.

When we look at the top 5 reasons for divorce in today’s world we understand interesting and surprising facts about them:

1. Money: Yes, the paper which man has created for his convenience started ruling him and slowly now it is dominating the relationships also. This is the major reason why couples divorce today. This is only because of the huge gap between expectations and reality.
2. Weight gain: Can anyone believe this in their worst dream that this is also one of the valid reasons for divorce. Off course it is today.
3. Not being prepared for Marriage: This is the funniest reason among all as how were people able to decide to get married before and after all that now they feel they were not prepared for marriage. The lack of seriousness and healthy fear is the major cause for these simple reasons also breaking the marriage relations.
4. Abuse: I also wonder this to be one of the craziest reasons because is there any marriage relation in this world where they both didn’t fight and abuse each other in their life time. Difference of opinions might always lead to arguments and at times might get into abusing each other which
5. Unrealistic expectations: Mostly a valid reason so some extent but even then, cannot go with it completely. Life do not go as how it is been planned or the way we wanted to so when we are setting up unrealistic expectations will lead to disappointment. Hence the life of both people becomes puzzle by their hasty decisions.

Major causes of divorce statistics as per recent reviews reveal interesting facts:

• 42% of the marriages are ending up with Divorce these days
• The life span of a marriage relationship is less than 20 years in 34% cases
• One more interesting fact is, 55% men want to end their married relationship and on other side women are at 29% and this is majorly in the USA
• Abusing is one of the major contributor for divorces with 29%
• India is the most vulnerable country with 1.1% of divorce rate followed by Srilanka which is slightly higher with 1.5% and most of divorces are happening in Greece with 15.7%
• The threatening fact about Divorces in India is this has become double within last 7 years of time

Any relation cannot be forced for existence at same time any relation cannot be taken for granted. If there are any issues in life it’s better to sort them rather than breaking a relation.

Impact of GST on Common Man

After crossing the various hurdles in its way, is India ready to face GST? GST is also known as Goods and Services Tax is an indirect tax imposed both on goods and services at a fixed rate. This implies products and services will be liable to a uniform tax rate and both will be dealt with at par. A single type of tax will be applied all over the country that is known as GST (Goods and Services Tax), replacing various other indirect taxes like VAT, Service tax, CST, CAD and so forth.

GST is by all accounts a blended pack with a portion of the necessities getting to be noticeably less expensive, while the others may get more costly. The Goods and Service Tax may favourably affect the greater part of the areas of the economy in the long run. While in the short run as with the majority of the changes, the advantages appear to be constrained. In view of the experience of GST usage in different nations, India could watch an inflationary effect at the onset of the change, which may blur away once the legislation penetrates.

GST affect on taxation system has affected the whole country as it has arrived with its pros and cons:

Positive impacts on common man

At present, the cost of indirect tax on goods is at the higher levels. This is on the grounds that the greater part of the goods, for example, gadgets or electronics, beauty products, non-luxury automobiles, and so on draw an excise duty of 12.5 percent and state VAT around 12.5%-15%. Additionally, there are a few falling charges because of CST, input tax credit retention under the VAT controls, demand of octroi, entry tax and different duties forced by the local body, amid the whole value chain till the client receives the item. Consumer goods that are manufactured, the present tax administration suggests that the purchaser needs to pay about 25%-26% in overabundance of the generation cost of the products because of excise duty and VAT. Along these lines, with the rollout of the Goods and Service Tax where the rate is required to be 18 percent for the vast majority of the merchandise, these are probably going to get less expensive.

• Goods like pharma products, movie tickets, paint, cement (and several construction materials), air coolers, fans, water heaters, TVs, (and other electronic items) have become cheaper.
• As compared to previous tax structure, GST is a simplified tax policy because now one only needs to pay the GST bill.
• The low prices of goods will result into an increase in the demand of the goods. There will be increment in the supply as a result of increase in the demand. Hence, this will at last lead to increase in the generation of merchandise and this would eventually result in the increase in the job opportunities.
• This policy would also help to reduce corruption in India.

Negative impacts on common man

• The primary concern is that every small trader and service provider who is dealing in interstate supply of goods or services must register, pay the GST bill and file GST returns without considering sales/income they make.
• A person has to file 3 monthly returns, which makes a total of (3*12) 36 returns plus 1 annual return. This leads to the filing of 37 returns in a year. Also, this only applies to one state, if a person does their work in various states, they have to register it in each state separately and file the respective returns. 
• Increased monthly expenses of the common man due to increased cost of service.
• Businessmen and service providers need to learn about the new laws. This will further add on to their business expenses as they have to rely on tax experts and professionals.

Some may enjoy the positive effects, while some may suffer due to the negative impact of GST on taxation. Well nobody has any choice, they have to get used to this new policy.

Any thoughts would be appreciated.