Why insurance is important for living?

Who else won’t crave for a safe fence around their life in this uncertain world? Insurance is one of the safest fences a human being ever has. Various kinds of insurances are rooting into our society. People are confused over the selection of insurance .Some of them are still doubted in types of insurance and how this insurance act as a benefactor .Let us discuss about 5 important insurance that you must know and its allies below.

TYPES OF INSURANCES LIFE INSURANCE

LIFE INSURANCE

Life insurance offers a protection over the family members of the policy holder’s .This will help mostly the one who is going for an adventurous trip or something risky or rather some of them who are facing a life threatening disease .Usually in this insurance there will be a nominee. Nominee is the person who experience the money which policy is pointing

HEALTH INSURANCE

There is always a doubt prevails among the common people is health insurance and life insurance is same. It is a kind of medical insurance which covers the entire medical expenses of the party (policy holder) and risk of the treatment.

DISABILITY INSURANCE

Disability insurance shortly called as DI. This insurance helps a differently abled person who cannot work properly to meet their daily requirements behalf of this disability. There are two kinds of disability benefits .One is short term disability benefit and other is long term benefits

AUTO INSURANCE

This Insurance policy shields from the financial loss held during an accident or theft. Auto insurance provide for property (including damages caused by theft), liability (having legal responsibility to other for injuring body parts or damaging property), medical (the amount of treating wounds extending to funeral expenses)

TRAVEL INSURANCE
Travel insurance takes off liability of a risky travelling. Medical expenses, lost luggage, flight cancellations, and other losses a traveler might face is factored into this policy. The right time to set off the insurance is from the date which travel begins to till it ends

Loan and its Type

 Loan and its Type

A loan is an amount of money that any individual or company borrows from banks or another financial institute for their financial work. It is money, property, or another kind of thing given to another person in exchange for repayment of a loan in the future with interest. It includes two parties, the lender- who gives a loan, and the borrower- who takes a loan. The lender can be any corporation, financial institution, or government. This process of exchanging money includes a written agreement with the exchange of terms and conditions about interest, financial charges, repayment date, collateral, etc., between two parties.

Process of loan

When someone needs money, then they can apply for a loan from a bank, government, or corporation. The borrower is required to provide some information like the reason for the loan, their financial history, and other important information. The lender reviews the information to check if the borrower is eligible to get the loan and see if the loan can be paid back. After reviewing the information, the lander may approve the application for a loan or may be denied. If the loan is approved, they both sign an agreement regarding the loan to complete the process.

There are different types of a loan based on two factors and one can apply for any loan according to their requirements:

1. Secured loan

 It is a type of loan which required collateral, where you have to provide security of the money you are borrowing to the lender. If you cannot repay the loan the lender has some means to get the money back.

2. Unsecured loan

 It is a type of loan which doesn’t require collateral. The lender gives money based on your credit score and history. But this loan has a high-interest rate than a secured loan due to a lack of collateral.

  • Types of Secured loans

S. No

Types of loan

Specification

       1.

Home loan

The is taken to buy or build the home.

There are different types of home loans:

Land purchase loan, home construction loan, home loan balance transfer, Top up loan

       2.

Loan against Property

This is taken to against any residential, commercial, or industrial property. The amount of the loan is based on the value of the property. This loan can be used to satisfy personal goals and business expansions.

       3.

Gold loan

You can get the loan by pledging gold jewellery as collateral. This loan is generally used for short-term needs.

        4.

Loan against fixed deposit

You can get the loan on your fixed deposit. The amount of the loan depends on the value of fixed deposit or may depend on the lender.


  • Types of Unsecured loans

S. No

Types of loan

Specification

1     1.

Personal loan

This loan is used for personal use. This loan offers instant liquidity but it has a higher interest rate due to insecurity. Your good credit score and secured income help you to get this loan.

        2.

Short-term Business loan

This loan is can be used to fulfil various expansions of the organization.

        3.

Educational loan

This loan is useful if someone wants to aspire for higher education from a reputed institution. In this loan, the student is the primary borrower, and the parents or spouse are co-applicants. The amount of the loan can be repaid after completion of the course.

        4.

Vehicle loan

This loan is helpful to buy your dream vehicle. Your financial history plays a great role in determining the amount of the loan.

Thus, Loan can be beneficial to maintain you expenses only if you can repay and use it in correct manner.

7 Search Engine Optimization Tips For Bloggers

 SEO, as you might have already know, is an acronym for search engine optimization. In the simplest of words, it’s the way search engines like Google.com, Yahoo.com, Bing.com and others present your page in users’ search results on their sites.

Cool, how do they that?

Well, they do that via sophisticated software tools, called spiders. Consider the whole internet as an empty room, with air particles as websites. Now sneak a spider into that room. Each tiny step that this spider would take now is essentially crawling a website (as the room is dark and full of websites). This is how search engines crawl through the web picking up site after site, studying them and ranking them. This ranking is important, really important. A higher ranked website by Google will always be on the first page of Google’s search results for a related query compared to a lower ranked one.

So, in order to get ranked higher, you and I need SEO. SEO is like black pepper without which fried egg might not taste ‘that’ tastier. In simple words, in order for search engines to find your site and rank it higher than others in your field, you need to optimize it. Let’s see how with these 7 simple tips.

Ways to SEO Optimize your Blog

Before starting with our 7 simple tips for a quality SEO, it’s important to broadly classify those tips into two basic areas, on the basis of origin:

On-page Optimization

Refers to optimization of your actual web content including your HTML code, your text, as well as graphic content.

Off-page optimization

Off-page optimization, however, deals with things like backlinks (hyperlinks pointing to you site from other websites, apps and networks).

1. Create SEO Friendly Blog Post Titles

Post titles are important for SEO. They really are since they are deal makers or breakers. Whenever you write something, make sure you give proper attention to the post’s title. Make your titles simple, intriguing, descriptive and gullible so that people may know what is this all about and what to expect. An even better approach is to wear searchers shoes while giving a title and think how would you Google it if you were looking for content like this.

google search results, seo titleAlso, don’t forget to include keywords in your title and keep it under 70 characters (or search engines would crop it before looking).

2. Improve the quality of your content

If you think ‘content’ isn’t important for SEO, think again! Your content is the most important part of your site. While writing, don’t copy-paste from elsewhere, don’t stuff it with keywords alone, don’t bombard it with images and multimedia files and don’t write any lesser than 300 words. These all would affect your ratings quite poorly.

So, write original, use keywords in scenarios instead of straying them around (like I didn’t use SEO here, SEO there in every next line), use images where they suffice and make sure you name them properly to appear in image search results, i.e. an image with the “img009.jpg” name would never appear in the image search results but “tips_to_success.jpg” would. The best would be to use text content and wrap them proper in HTML tags like

etc. (search engines likes content this way). Also, make sure your blog post’s length is somewhere between 300-500 words – crossing over is fine but lesser isn’t.

seo title headings

3. Keywords are keys

Keywords are terms that others may use to search for your content. While keywords are important for SEO, don’t go on and stuff your site with keywords. This would make your content appear like a spam to spiders, who would neglect it henceforth.

Ideal is that once you have chosen your title (and included your keyword in it, as I have added keyword SEO in title above), use it in page URL, in your starting and ending paragraphs, as well as in article body where required without sounding awkward. Additionally, you may link it using anchor text to relevant resources in and out of site.

Adding keyword in the post URL using Custom Permalink

4. Meta-tags are important, but not ‘that’ much

If we had been living in early part of 21st century, meta tags might have done all the SEO for your site. Unluckily, we aren’t. Google and other search engines have long left using meta-tags for finding site information. Hence, if someone tells you meta-tagging is all you need for your sites SEO, tell them it isn’t.

Nevertheless, it’s important that you use your keywords in your meta-data. Some themes already do that for you, if they don’t (you can check that using page source or using view source code from browser), don’t sweat. You can use 3rd party plugins like All in One SEO Pack and Scribe.

5. Socialize!

Make others talk about your site and share your content on social media sites or their blogs. It gets even better if somehow sites with high ratings link back to your site. This makes spiders think that you are someone important that everyone these days is talking about, resulting in enhancing your ratings dramatically.

Guest posting is another good approach for that. Comment on other sites, make friends with bloggers (best in business) and make them comment at yours. These tiny little things do matter a lot, resulting in enhanced SEO of your site.

6. Link in and Link-Out

Hyperlinks or Links are important from SEO perspective. You can use them to:

Link out to other sites, networks and posts, or even to your previous posts (also called inbound or backlinks) using anchor element with keyword.

anchor element with keyword

Or even better, make others to link in to you, via sharing your content on their sites or social media networks.

As mentioned, an even outstanding strategy for building links is guest posting.

7. Write Often

Sites with new content every day, or twice thrice a week have still far better ratings than those who post every fortnight. A better incoming content frequency makes spider come to your site regularly, resulting in better ratings and enhanced SEO.

Are we done then? Well, trust me – your sites rating is in your hands, not in Google or Yahoo. SEO is just about doing things neatly and in a sophisticated manner. Walk your site these 7 steps for a quality SEO and you will witness the difference yourself at Google, if no place else.

Remember, code clean, write original, socialize… this is what SEO is all about!