Month: February 2018

Want to earn 50k extra income every month without any effort and risks?

While every one wants to get best out their hard earned money, not many people know enough expertise and knowledge to increase their monthly income. One of the best ways to grow your with minimum risks is through mutual funds.

if you are urban dwelling youth between the ages of 24-36, you know that 50k per month is minimum amount you need to lead a basic level comfortable life. What if you can get this amount every month without having to compromise your goals and passions?

The answer is through mutual fund investments


To draw a sum of Rs 50,000, a person should be clear on time period of investment.

If you are looking for an immediate income, you need to invest around Rs 1 crore to draw an annual income of Rs 6 lakh per year. This is assuming an annual return of six per cent. Equity schemes are recommended to create wealth over a long period. To draw regular income, debt schemes or debt-oriented hybrid schemes are better. These schemes are relatively stable than equity schemes.This type of investment is called lump-sum.

But what if you don’t have 1cr right now to invest ?

Then the best option available for you is SIP. SIP investments can also earn higher long-term returns as compared to lump sum investments. You can still invest a lump sum amount in a debt fund, but SIPs are the way to go when it comes to investing in equity fund.

Why should I invest in SIP?

If we start with an investment of around Rs 5,000 per month. One can opt for either a fixed amount every month or with a long-term plan or with a step-up SIP where monthly contribution increases by a few per cent annually.

In the step-up plan, if one starts with a monthly investment of Rs 5000 and increase it by 10 percent each year –Rs 5500 in the second year, Rs 6050 in the third, and so on. In the final year of 20-year plan, the monthly contribution would rise to Rs 30,500. This may appear a lot today, but in the next 20 years the investor’s income will also rise substantially, along with erosion in the value of currency due to inflation.

Therefore, stepping up has great deal of advantage for an investor to have better results.

Want to start your investment journey?

Get PIGGY, the next generation mutual fund investment app.

Up to 1.5% more returns using piggy.

Highest Rated Direct Mutual fund app in India.
Direct plans are commission free and give you higher returns compared to regular plans.
You can invest in top Mutual fund recommendations or search for all with advanced search features. Only platform that offersFlexible SIPs.Mutual fund tracker.
Easily switch existing Regular funds to Direct plans.
Proceed seamlessly with 3 Easy steps
>> Give Details for KYC >> Select Funds >> invest and transfer funds online
Buildwealth with your money.
Funds from all Major AMCs.
Flexible SIP: More flexibility than Fixed Deposits and normal SIPs.
Top mutual funds. Design your own goal based investing.
Save taxes through mutual fund ELSS. Cleartax advantage.
No more running to Banks or using multiple mutual fund apps. Let us handle all the complexities for you to give you premium experience

POWIIS! The International School In Malaysia

In an authentic Malaysian context, the school was designed, built and equipped to bring the very best education system. Deliberately modeled on an established and traditional UK pattern of boarding, it brings pride on a unique atmosphere created with the large on-site community of borders and staff.

What Is In A Crest?

The components that make up the crest of the Prince Of Wales Island International School are:

  • In red: the nutmeg, when clove and nutmeg trees were planted in Penang by the British East India Company, the representatives of the rich spice plantations which were an important part of the island’s economy in the late 18th and 19th centuries. The hills above Bali Pulau retain many of the spice orchards from those times although the spice trade is no longer a major part of the life on the island.
  • In blue: this segments depicts the outline of Penang Island from which the island’s name “Pulau Penang” was derived and illustrated in the center of the map is Areca catechu or pinang palm tree and it is still common in the island.
  • In yellow: the royal emblem of the fleur-de-lys is now the badge of the Prince of Wales and used since the 14th century. To bring a tropical interpretation to an insignia associated with a lineage from which it got the name on it.

The Educational Ethos

As an international school in Malaysia, the school enjoys considerable freedom to tailor the syllabus to the needs of the pupils. It takes into account characteristics of each student: varied cultural and linguistic backgrounds, their strengths and their aspirations for the next stage of education. Everything that the POWIIS do is a geared towards creating lively and enquiring minds whether academic or social or curricular or extra-curricular.  Whether it is embarked upon at home or abroad, the pupils leave with the breadth of knowledge with an ambitious outlook and innovative skills of leadership which will support them in their future.

The Extra-Curricular Overview 

Every pupil will be engaged in a range of activities outside of the classroom at the Prince of Wales International School. POWIIS shall expect a level of commitment and a breadth of involvement which will see as a pupil makes the most of their time at school as in their academic lives. And as in their academic experienced, pursuits and enthusiastic staff will be on hand to encourage and support. The school shall pass on certain aspects of the responsibility for leading and creating activities to senior pupils whenever possible and provide them with essential leadership and organizational experience, and take responsibility for themselves and for others is the crucial role.

Non-teaching Positions

Positions are usually advertised on Jobstreet and the MTT Group of Companies website. Applicants should have:

  • A degree in the relevant department and/or relevant work experience
  • Good standard of spoken and written English
  • A willingness to be part of a dynamic and growing team to contribute to the overall administration and operations of the school.

New Baby On The Way? Simple Money Saving Tips

How to have a newborn for less.

When you have a new baby on the way money can be a stressful topic – newborns are expensive right? In reality, if you don’t want to spend a fortune on your new baby then you don’t have to. They will be just as happy and healthy if you’ve managed to keep the costs down low and so will you if you don’tneed to find loans for people with bad credit or need a guarantor loan. To help you do it here are some simple money saving tips for anyone with a newborn on the way.

  1. Borrow what you can’t afford. Friends, family and new mum networks online are a great place to find big items that people are looking to hand on to others.
  2. Use cloth diapers. If you can’t face this every day then use them when it’s convenient, for example, when you’re in for the afternoon.
  3. Breastfeed as long as possible (a tip for new mums). If you want to and if you can. There’s no doubt that you can save a lot when it comes to what your baby needs to consume if you’re not constantly buying formula.
  4. Look for items that convert. For example, if you have a baby crib that can later be converted into a toddler bed then you can save yourself the cost of the upgrade.
  5. Buy in bulk wherever you can. There are lots of opportunities to buy in bulk when it comes to baby kit, from diapers through to kitchen roll and wipes. All you need to do is make sure that you have the space to store it all.
  6. Don’t bother with fancy toys. Your newborn will have no concept of complexity or cost so there’s really no need to spend out on expensive toys. Don’t be the parent who spends hundreds on a toy only for your child to end up more entertained by the box…
  7. Avoid buying a changing table. There are much cheaper alternatives to this kind of kit. For example, put up some shelves and use a changing matt on top of a surface like a dresser.
  8. Make your own baby food. It’s much cheaper and tends to be more nutritious too. Plus, it’s really simple to make – all you need are vegetables and a blender.
  9. Reach out to friends and family. Paying for childcare and babysitters is often one of the biggest expenses for new parents. If you have close friends and/or family who are willing to help to give you a break then give them the chance to do it.
  10. Don’t buy everything in advance. Give yourself the time to figure out what will work for you and for your baby so you don’t waste money on items you don’t really need.
  11. Shop online. Grocery shopping with a new baby can be incredibly stressful. The result? You may come home with everything that you don’t need. Shopping online will give you the opportunity to identify the biggest discounts and make sure you get the items you want and avoid stress buying.
  12. Start to budget. If this isn’t something that you already do then now is the time to start. Budgeting helps you to keep track of what you’re spending and identify where savings can be made.

High Quality Next Day T Shirt Printing

We are Garment Printing, one of the world’s leading garment printers with the capacity to print thousands of T-shirts or items each day. And every printing patterns can be very beautiful, different and unique.

A great everyday t-shirt for both men and women with a classic style, making it a great choice for a wide range of uses, from promotional wear to simple designing your favorite kinds of t-shirts. Our t-shirt printing services is available in hundreds of different colours, so you are sure to find the right shade that makes your design truly pop!

Our production capacity means we can offer the fastest custom t-shirts because we have currently run four Kornit DTG printers and three dryers. The high quality fabric used to make these shirts also makes them an excellent surface for printing. Our prints on the materials are from soft to touch, 100% organic, and 100% safe for health, especially for children and infants.

The prints are ink-based and form part of the garment rather than being printed on top, so the print feels soft and stretches with with shirt. You can wash your t-shirt normally because the print will last as long as the garment. You can even tumble-dry without any problems.

Because the print process is more automated, we no longer have to charge per print. This allows us to offer printing on all kinds of garments. All shirts are printed using 100% biodegradable, water-based organic inks meeting the requirement of the strictest industry standards.

Our water-based inks are:

  • Totally organic
  • 100% non-hazardous
  • 100% toxin-free
  • Completely vegan-friendly and contain no animal by-products
  • Safe for infants and babies

We meet the strictest industry standards with our NeoPigment inks with High Quality Next Day T Shirt Printing. As defined by Oeko-Tex 100 safety applications for infant wear, Residues Standard List (RSL) and the American Association of Textile Chemists and Colorists, we truly meet world-wide accepted standards.

Maximise your workout – get the right gear

Wearing the right clothing and footwear can enhance the efficacy of your workout. From buying Nike shoes online to picking the right uppers, we take you through the whole process.

Exercise is a crucial part of a fit person’s life. It builds the body and increases longevity, apart from staving off a number of potential diseases like diabetes and blood pressure. Regular exercise can do more to improve the body’s functioning than anything else can.

If your resolution is to get fit this year, then there’s really no time like the present to carry it out. There are a variety of options open to you, from yoga to Zumba, and from weight training to jogging.  But before you work out, you will need to get your gear in place. This includes exercise clothes, shoes, water bottle, sweat/head bands, headphones, etc. The right workout gear maximises the effects of the exercise and supports every effort that you put in.

This is how you can buy the most appropriate workout gear:

* Find out what you need.

The workout gear you buy depends on the kind of exercise you are about to do. Those enrolling for yoga classes need a yoga mat, some tees and baggy track pants. Meanwhile, those who are about to go running will need quick drying fabrics and running shoes. Not every kind of workout clothing suits every kind of workout, so picking the most suitable kind is key.

* Start by buying the right shoes.

Now that you have decided on the kind of exercise routine you are going to enrol for, it is time to start buying the gear. The first step is to buy footwear. The shoes bear the maximum brunt of activities like running, jogging, skipping and cycling. Buy Nike shoes online for either walking or running. You can get a variety of Nike shoes online in your size and preferred colour, with a fit that is comfortable and designed for maximum heel and toe support to enhance maximise your results. Always exercise with shoes on, unless you do yoga.

* The correct clothing makes all the difference.

You have just added a superb pair of Nike shoes online to your shopping bag. Now go ahead and add some cool new workout threads, too. Depending on the kind of fabric you prefer and the exercise level, you should invest in light cotton or polyester/rayon blend fabrics. The latter is popularly known as ‘Dry fit’ in workout parlance, and it wicks sweat away from the body to keep you comfortable during the toughest workout. Look for sweat wicking fabrics in both your tees and track bottoms/shorts. Make sure that the fabric is not too snug around the elbows and knees.

* Buy a bag to hold your stuff.

If you have enrolled in a gym or health club, then you will need to carry an exercise bag. The bag can be locked away in the locker room, and it can hold your gear like shoes, water bottle, socks, headbands/wristband, headphones, wallet, etc. when you travel to and from the gym.

* Finish off with headphones.

You have now purchased everything else you need for a happy workout – end your shopping expedition with a good pair of headphones. Wireless Bluetooth-enabled headphones are best since they leave you unencumbered during your exercise. They also keep you motivated with peppy music when you are out cycling or running alone.

Here’s wishing you a happy workout and a seriously fit 2018!

How To Easily Capture Internet Video With Movavi Screen Recorder

We are now surrounded by so much great content that it is hard to assimilate. Fortunately, most of the marketing and business world is moving towards video content. This is great since it means we can re-watch the videos, although this is not always the case.

In the event there is some video content you want to record for future viewing or for any projects you might want to include it in, you need recording software. This software is normally very expensive and quite difficult to use. An alternative to capture video from Internet sources appears in Movavi Screen Recorder, a program that is often overlooked and that fortunately keeps gaining popularity now since it is really effective.

How To Record Internet Video

Just as the name implies, Movavi Screen Recorder works by recording parts of your computer screen. Through this you create a video file that you can save on your computer for future use. The steps you have to go through to record your screen with Movavi Screen Recorder are the following:

  • Download and install Movavi Screen Recorder
  • Open screen recording parameters and determine what part of the screen you will record.
  • Record the screen for the duration needed.
  • Save the video file to the desired format.

Why Is Movavi Screen Recorder Recommended?

Movavi Screen Recorder is a really simple program to use, no matter how tech savvy you are. This is something that is really important for most users. All that you really have to do is to select a screen area and then record. However, other facts should also be highlighted.

Movavi Screen Recorder

Movavi Screen Recorder is useful for recording meeting calls or webinars, making the software great for business users. You can record the video and then export it in the best possible format, with hundreds of presets already built-in. Users can even plug in their mobile device and the software will automatically determine the best quality settings to use.

Last but not least, quality is not going to be lower simply because you record the streaming content as you watch it. You can always expect the highest possible quality at all times.

Gold Buyers in Brisbane

When you are looking for a way to get some extra funds, there are a few different ways to go about it. One method is doing little jobs for people through job sharing application. Another method many people don’t realise is that you can sell your unwanted old gold jewellery. With the gold prices on the rise, now could be the best time to see if you have an old jewellerylying around and get some instant cash.

Selling gold in Brisbane has boomed in recent years. The reason is that the price of gold is jumping through the roof currently. And it has continued to give high profits over the years. Individuals have been searching for gold items across the country to sell them for instant cash.

Think of all those unpaid bills and how high the cost of living is now. From mortgage repayments to phone bills to even basic food needs. Selling gold jewellery is one way that can help you get out of these situations temporarily.

A few people out there have also realised that can make a small living by selling gold to gold buyers Brisbane. These people buy gold from anywhere they can find it such as op shops, Gumtree or Ebay.

Broken jewellery or scrap gold are by far the easiest to sell, this is because most people are happy to part with it. You can sell damaged gold easily to gold buyers that buy scrap gold in Brisbane. Prices will depend on the weight of the gold and more importantly on the karat of the gold. Most gold you find out there will be 9k or 18k. The higher the karat of the gold the more money you will get, this means 18k is worth double that of 9k. This is because 18k gold is double the purity of 9k.

Karat is an old measuring system that can be converted into percentage. 4.2% converts into 1 karat. This means that 9k converts into 37.5% and 18k converts into 75%. This measurement should be guaranteeing what’s inside the gold jewellery items.

There are a few different ways you can sell your gold. A good example is the local jewellers and pawnshops. It is recommended if you can to look for a gold dealer as they will be a higher price than a jeweller or pawnshop.

Gold Buyers Brisbane are usually located in your city CBD and buy scrap gold from jewellers, pawn shops and the public. So why not cut out the middle man? Gold Dealers are the best to deal with as they always pay the highest price.

It is always essential to conduct some investigation on the current price of the gold and the selling procedure before participating in any transaction. This is to avoid being ripped off. Most reputable gold dealers advertise the price they are paying per gram.

Hence, the first step is to sort your gold into carats and weigh the gold. Following this you can calculate the total weight of each carat against the gold dealer’s website to determine the amount of money you will receive.

Know The Stages Of Detailed Inspection Of Products

In any business, which deals with manufacturing and export, goes through the process of inspection. The inspection audits the supplies and authenticates the quality. This auditing cannot be done without the assistance of experts. These professionals carry on an in-depth investigation of products and shipment before they are dispatched for clearance.

In a country like China, which is a manufacturing sector, conducting an intrinsic audit work is immensely important. China Product Inspections are carried on in three different stages which includes audit during Pre-Production, Production, and Post-Production.

Why is product inspection necessary?

Carrying on an audit of the services is of utmost importance before they are manufactured across to different countries. This process is carried out generally before the products are shipped to the purchaser. One of the important reason for carrying on the inspection is to correct any problems in the source itself.

Understanding the problem and getting to the crux of it will not only help in taking necessary measures to correct it but also avoid any kind of problems from taking bigger shape. Inspections are carried on for different niches. This includes testing of laboratory materials like garments, electronics, food, pharmaceuticals, etc., inspection of products before shipment and auditing of food and supplies.

What are the stages of inspection?

The stages are as follows:

  1. Pre-Production

This stage of inspection begins when the first phase of production is complete. China Product inspections are carried on when up to 20% production of the total quantity is complete. Inspection at this level allows the professionals to get a detailed understanding of the product. One can get an immediate judgment of the quality, know the flaws in preparation and can take suitable measures to correct them.

After the inspection, the professionals provide a detailed feedback enlisting all the information in a timeline format. This process includes checking of raw materials used for production, surveying whether no other materials are used in the factory as well as assure there is no mixing of components and packaging materials.

  1. Production phase

Only after the audit is cleared at this stage, the materials are further forwarded for production. Inspections and audit of materials are especially required to ensure there is no shortfall from the aspects of manufacturing, material usage and the procedure of workflow. This phase of production is carried on when 20 to 60% of total quantity is completed.

This can be beneficial for all those companies which are new in the production line. Getting the services inspected will ensure there are no delays or bottlenecks involved and if any are detected, they can be identified and prevented in the production stage itself.

  1. Pre-Shipment

Before the actual shipment of the product takes place, the final stage of inspection is carried on. When 80 to 100% of total quantity is completed, the pre-shipment inspection takes place.

This inspection is the most crucial and rigorous one.  A detailed online testing to industry AQL testing of standards is formulated by expert professionals from the Quality Control Team. After the inspection, the results are received within 12 hours. The business can know whether the product is Accepted, are kept on Hold or Rejected, and also get a report containing the details of failure if any.

Proper quality of goods, structured timeline of production and material management all add on to qualifying the product for shipment.

Understanding Personal Injury Law

Personal injury law is a legal action that covers situations where a person’s mind, body or emotions are hurt, usually caused by someone else’s carelessness or negligence. Personal injury law is also referred to as tort law. It includes all situations of wrongful death or where an injury evinces fatal. The injured person who files a lawsuit is known as the “plaintiff” while the person or business responsible is the “defendant”.

A personal injury lawsuit begins when the plaintiff sues the defendant and demands compensation. In some cases, there are several defendant responsible parties, and the plaintiff can sue all to recover the whole amount needed for compensation. When the defendant claims they did not cause the damage, they are to bring the other person or entity responsible as a “cross-defendant” into the lawsuit.

The most common personal injury cases include:

  • Car accidents
  • Slip and fall injuries or premises liability cases
  • Dog bites or injuries caused by other animals
  • Defamation which causes injuries to reputation, mental or emotional health
  • Injuries caused by use of chemicals or explosives

If any damages were incurred to property such as in a car accident, the law focuses on the injured person first then the damaged property. Compensation is usually in the form of monetary payment. Monetary compensation to the injured party depends on the intent of negligence from the responsible party. It also depends on the severity of the injury. It is done through a judgment or a settlement. Firms like Cogburn Law Office should be consulted.

A plaintiff’s actions or inaction after being injured affects the amount of award in a personal injury case. For example, if the plaintiff was at fault either fully or partially for an accident, any damage award reflects on that. On the other hand, if the plaintiff fails to mitigate the damages, a damages award is reduced. Therefore, as a plaintiff, you are required to take necessary steps immediately after an accident to minimize the financial impact caused. If not so, you may not recover any losses caused.

To avoid losing a personal injury case, plaintiffs should hire qualified and legal counsel. Having an attorney will also enable you to avoid unfortunate circumstances of violating a statute of limitations. You do not want to miss the deadline for filing the lawsuit.

A personal injury lawyer, also known as a plaintiff lawyer provides legal representation to a plaintiff. He/she must qualify to practice the law in the jurisdiction. Before accepting a case, they interview the prospective client and evaluate the case to determine potential legal claims and basic facts. If the lawyer finds that the legal claims might not succeed in court, they decline to accept the case. This means that lawyers will mostly go for strong cases.

Education could make you a Doctor like Jonathan Lauter

The primitive man only knew food, clothing and shelter to be the basic necessities of life, but as science developed and brought about novel things, it came to be realized that all the knowledge gained up to that time needed to be handed down to the upcoming generations and the way to do that was through a system of education. There is no end to the kind of help ‘Education’ provides to an individual within his life span. It is only with the help of education and gaining knowledge that the society is proud to have people like Dr. Jonathan Lauter.

He is a well known psychiatrist at the Refuah Health Center in New York, where he is a specialist in child and adolescent psychiatry. It is through his practice and blogs that it is evident Dr. Jonathan Lauter is a doctor of what stature.

Initially education came to be imparted on a small scale within small premises that were rather homely, but over the period of time, the importance of education and its absolute necessity has given it a very high position within any society. It is thus, that even those parents who are not educated leave no stones unturned to educate their children, in the best school that they possibly can.

Considering the competitive world in the present times, it is hard to imagine a person who is not educated. Formal education is imparted through which individuals learn to read and write and with every advancing day, this begins at an earlier age than it was previously. Now, children as little as a year and a half are seen to be put into schools, particularly play schools. This is the time they start learning words and names of various things, they learn good behavior and most importantly they learn how to socialize.

Education, as is the general perception, is not just about books, it refers to the learning of the basic ways of behavior of an individual within a society. It is hence, that the government of every country makes sure that they include the right and freedom of education for all. No one should be deprived or denied of the right to education; in fact, even the people who belong to the below poverty level group are given provisions through various workshops by non-profit organizations and NGOs to avail their fundamental right to education.

Education is no longer just for the elite section of the society and a luxury; it has now acquired the status of being a necessity. You could hardly imagine the plight of an uneducated person in the present world, and the demand for education is constantly increasing with each passing day. Education should not be considered to be a means to an end but an end in itself. It is this that will help you to walk all walks of life with a brave heart, for it is through education that you will learn and derive inspiration from all that has been done in the past.