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How ELSS should be chosen to complement existing portfolio

Usually, we all look for investment opportunities that can help us build an adequate sum of wealth, get regular returns, and/or save taxes. There could be several investment schemes in the market to save your taxes, but ELSS i.e. Equity linked saving schemes is a one – stop solution for all your tax saving and wealth creation needs. Usually 80 % of asset allocation needs to be in equity funds. ELSS SIP is also an easy option for investing where the minimum investment amount is Rs 500.

ELSS funds are also called tax saving schemes as they offer tax exemption of up to Rs. 150,000 from your annual taxable income under Section 80C of the Income Tax Act and comes with a three-year lock-in during which they cannot be redeemed or switched. Among other tax saving instruments, ELSS is the scheme with the shortest lock-in.

Six Key factors To Consider While Choosing ELSS Fund

Portfolio composition

A major portion of ELSS funds are equity funds that invest their major chunk into diversified equity or equity-related instruments. The Fund manager has the flexibility to allocate the stocks as per his calculations, research basis of the market conditions, objective of the fund, and his own risk-taking capability to achieve that objective (i.e. Large Cap / Mid Cap).

You can review what is the portfolio composition of the fund based on market cap and stability of its investment patterns. Prefer to choose the funds that have steady investment pattern and that stay true to its label. Choose quality of companies invested in while assessing the ELSS schemes. Evaluate the stocks concentration in the portfolio and percentage of top five stocks in the portfolio. Thoroughly check all allocation made to large cap / mid cap / small cap companies in the ELSS tax -saving schemes.

Risk Involved and Expected Returns
ELSS is an Equity Linked Scheme and it requires you to identify your risk appetite.

Risk and returns on investments are interlinked. One must ensure to check the risk and returns involved while choosing ELSS funds. Some Mutual Funds could be giving higher returns but risk involved also could be equally high. Therefore, the key to decide your risk appetite while assessing a suitable fund for you. Risk involved can also be calculated from ratios like Sharpe Ratio which is a measure of risk-adjusted return.

Return Expectation of the ELSS Funds
While selecting the ELSS mutual fund, it does not make sense to chase returns. Last one-year’s performer may not be consistent next year. Hence, investor must review the trend of the fund in respect of rate of returns delivered. Also, one should consider the rate of return as well as the consistency with which those returns are delivered. Select the scheme based on your preference with the portfolio style and strategy. Make sure to analyze the records of the fund for a period exceeding 5 years. This is an ideal duration, as the fund goes through multiple cycles of ups and downs in the market. This helps the investor to track the past performance of the particular scheme.

Expense Ratio of ELSS Funds
Investor should choose the fund with low or moderate expense ratio along with the higher rate of returns.

Fund Manager’s performance
Fund House
Examine whether the fund manager is able to deliver consistency of performance across market cycles
Check fund manager’s profile and his/her record not just in this fund but other funds he/she manages
This is an important factor to select the Tax- Saving fund. Investor must consider the asset management company’s investment philosophy, do a deep background check of its financial stability and company policy before investing

In order to understand how to allocate to ELSS funds, compare ELSS to the other equity funds held, so that there is no duplication in style and portfolio composition.

The Great Normalization

Despite the subdued celebration in welcoming the New Year, we have now passed the tumultuous 2020 and entered in 2021 with lots of hope and excitement. Scientists have made a landmark achievement in developing vaccines for the coronavirus in record time. Hopes are high that the virus will be contained and the global economy will gather momentum in 2021.

Indian economy has turned out to be more resilient than many of us thought. Most of the high frequency indicators are pointing towards better than expected recovery. Market experts and economists are now forecasting GDP to contract by 7%-8% in FY 2020-21. This is much better than the earlier forecasts of more than 10% contraction. In the FY 2021-22, GDP growth is expected to rebound to 9%-11%.

One of the factors which drove this recovery is the easy monetary policy. The RBI reduced the policy repo rate by cumulative 115 basis points and the reverse repo rate by 155 basis points in 2020. This was after a 135 basis points reduction in the policy rates in 2019. Currently the repo rate stands at 4.0% and the reverse repo rate at 3.35% which is lowest in the last decade. RBI’s action on liquidity was even more aggressive. Liquidity surplus in the banking system has been kept over Rs. 6 trillion for most of the time after the pandemic outbreak.

RBI’s easy monetary policy has been the biggest driver of the fixed income markets. Bond yields came down to lowest levels since the aftermath of global financial crisis. The 10-year government bond is currently quoting below 6% and short term upto 1 year maturity bonds are below 3.5%.

With the fall in interest rates, prices of long term bonds appreciated and consequently long term bond funds gained. While returns from shorter maturity funds like liquid funds suffered due to falling yield on short term debt securities.

Going into 2021, the drivers of fixed income performance are likely to change. In the last two years performance of the fixed income asset class was predominantly driven by the RBI’s monetary accommodation. But now with inflation hovering above the policy repo rate, room for further rate cuts may not be available. On the contrary, the RBI may look to roll back some of the easing measures undertaken during the last year.

Monetary Policy Normalization

In 2020 central banks across the globe have gone ‘all in’ to neutralize the economic pain caused by the covid-19 pandemic. Most of them have committed to keep interest rate lower for longer to allow economy to gain sustainable momentum. The RBI too, in its monetary policy in October 2020, has committed to maintain an accommodative monetary policy stance over the next fiscal year.

Going into 2021 impact of the crisis is subsiding and the economy is getting back on track faster than anticipated. There are also some early signs of inflation picking up. Being an inflation targeting central bank, it would be difficult for the RBI to maintain this ultra-easy monetary policy for long. Nevertheless, the economic recovery is still at a nascent stage and will require continued policy support to gain strength.

Given the macro backdrop of fragile growth recovery and sticky inflation trend, the RBI may maintain a status quo on policy rates in the next year. But, if growth sustains, its focus could shift towards policy normalization and a gradual withdrawal of excess monetary accommodation.

In past, liquidity excesses have caused macro instability and resulted in crisis. Uncontrollable inflationary pressures post 2008 global financial crisis and the recent credit crisis in the bond and money markets after the IL&FS collapse all have their roots linked to liquidity excesses.

The RBI may begin normalization of monetary policy by the middle of 2021. It could start by reducing the amount of excess liquidity. The effective policy rate could shift up from the reverse repo to repo rate. This could reset all the short term money market rates upward. Currently, overnight call, TREPS and most segments of the money markets are trading below reverse repo rate.

We expect money market interest rates to rise which will have implications for the entire bond curve. Though the longer term yields may not rise as much as the RBI is expected to continue its OMO/twists to support the government bond borrowing programme.

Fiscal consolidation roadmap

Just like monetary policy, the government also stretched its fiscal position to deal with the crisis. Even before this pandemic, consolidated fiscal deficit of center and state government was at elevated levels. In the crisis it faced a double whammy of lower tax collections and an increased spending on health care and welfare.

In the current fiscal year 2020-21, center’s fiscal deficit could rise to 8% of GDP while states could add about 5% of GDP. India’s public debt could jump to about 90% of GDP this year. This is one of the highest among similar rated emerging economies.

India is rated “BBB-” and equivalent by all the big three rating agencies. Ratings of BBB (minus) and above are considered “Investment grade”. Ratings below this threshold are termed as ‘speculative grade’ or more commonly in bond market parlance as ‘Junk’ category.

Being investment grade, makes it easier for the Indian government and companies to raise capital from the global markets. In other words if India gets downgraded to ‘Junk’ which is just a notch down, it could seriously constrain our ability to raise foreign capital especially through debt.

Thus a medium term fiscal plan will be needed to bring down the fiscal deficit and debt levels to more sustainable levels. Government’s roadmap for fiscal consolidation will have bearing on the bond markets as well. Market will closely watch for cues in the budget for FY 2021-22 which would be presented early next month. Anything higher than 5% FD/GDP would require a lot of support from the RBI, else long term interest rates will move higher.

Global Bond Index and Foreign flows

Globally bond yields have come down. In most of the developed economies yields are close to zero or even negative. Negative yielding debt has surpassed USD 18 trillion in December 2020. Compared to this, the yield on Indian bonds looks attractive even after adjusting for potential INR depreciation.

Government is also keen on attracting foreign capital into Indian debt market. They have made necessary changes in the rules for foreign investments to get into global bond indices. A new fully accessible route (FAR) has been created for foreign investors to buy specified Indian government bonds with restriction. This is a major step in direction of listing Indian bonds into global bond indices.

There is a hope that India will become part of some global bond index as soon as middle of this year. If it happens, this would create a new sustainable demand source for the Indian bonds. There is an expectation that index inclusion could attract foreign inflows of USD 20-30 billion.

Foreigners have been selling Indian bonds for the last 3 years. Foreign investments in India bonds are now below USD 40 bn. The potential limits available for investment is now upwards of USD 200 billion.

Given the high global liquidity and low yields in developed economies, India could attract sizeable foreign inflows in the domestic bond markets. If happens this would be a major positive for the bond markets.

Portfolio Outlook

In 2021 bond yields could reverse their downward trend and grind up towards the year end. Short end rates (upto 3 years maturity) are currently priced aggressively due to excess liquidity and thus carry maximum risk of reversal. While the longer segment may continue to get the RBI’s support from OMO purchases and twists. Thus the yield curve will likely to flatten (short term rates move up more than longer ends).

In the Quantum Dynamic Bond Fund (QDBF) portfolio we continue to focus on tactical trading opportunities within a narrow range. QDBF does not take any credit risks and invests only in sovereigns and top-rated PSU bonds, but it does take high-interest rate risk from time to time.

Given the yield curve is already very steep and the RBI is actively intervening in the market to protect long bond yields from rising, we are positioned at the longer end of the maturity curve which is offering better accrual yield.

This is a tactical position that can change based on market developments and new information flows. Given the objective of the fund stated in the name itself – we retain our right to remain dynamic in our portfolio construction as we remain cognizant of the risks on the horizon.

We understand the economy and markets are currently adjusting to an unprecedented shock. There are too many moving parts and things are still evolving. Thus any forecast about the future is susceptible to change based on policy responses from the government and the RBI and the changes in global markets. We stand vigilant to review our outlook as and when new information comes. Nevertheless, it would be prudent for investors to be conservative at times of heightened uncertainty.

Investors should acknowledge that the best of bond market rally is now behind us. At this time it would be prudent to lower the return expectations from fixed income – as money market yields, fixed deposits will remain low and potential capital gains from long bond funds will be muted.

Conservative investors should remain invested in categories like liquid fund where impact of interest rate rise would be favorable. However, while selecting a liquid fund be cautious of the credit quality and liquidity of the underlying portfolio.

At this point where fixed deposit rates have come down to historical lows, liquid funds could be better alternative in comparison to locking in long term fixed deposits. Liquid Funds invest in upto 91-day maturity debt securities which get reprised higher when interest rates rise. Fixed deposits interest rates remain fixed for the entire tenor thus lose out during rising interest rate cycle.

Investors with higher risk appetite and longer holding period can look for dynamic bond funds where the fund manager has flexibility to change the portfolio when market views change. These funds are best suited for long term fixed income allocation goals. However, do remember that bond funds are not fixed deposits and their returns could be highly volatile and even negative in short period of time.

Lending a Helping Hand

They deal with both secured and unsecured loans. Irrespective of the type of loan that you are looking for they try to give you the best offers on the loans. They get your loan application approved by one of their lending partners. Be it Small Business Administration loan or a Commercial loan, with them the process of getting a loan is extremely easy and hassle-free. Their vision is to assist more and more people to get their loans instantly approved.

They are well-known as SBA loans broker in New Jersey. When u apply for an SBA loan the SBA participates by guaranteeing a portion of the loan amount. This helps the small business get the loan which it may otherwise have not been qualified for. The guarantee from a government agency enables the business to qualify for the loan. The SBA acts as a loan broker based on factors such as how the company earns its revenue, the background of its owners, and also where the business operates.

SBA loans broker in New Jersey

The 7(a) Loan Program is SBA’s most common loan program. SBA loans broker in New Jersey and SBA Loans broker in New York offer nine different types of 7(a) loans. Therefore each business may find that one 7(a) loan is better suited for it than another

Some basic factors that qualify you for a loan are:

Your business must have fewer than 500 employees.

Your yearly revenue must have been less than $7.5 million on average for the last three years.

Your net income must be under $5 million (after taxes and not counting carry-over losses),

your tangible net worth must be less than $15 million.

The different types of SBA 7(a) loans are: Standard 7(a),7(a) small loans, SBA Express, Export Express, Export Working Capital, International trade, Veteran’s advantage, and CAPlines.

Commercial loans

The term Commercial loans is a generic name used for various types of loans used for business purposes.

Top Commercial Loan Brokers in New Jersey

MBS & Finance Corp operates in New York, Edison, and New Jersey. It is one of the Topcommercial loan brokers in New Jersey.

Some of the uses for a Commercial loan are typically as follows:

Commercial loans are generally used to fund large capital purchases or to finance operational costs that are associated with business expansion or acquisitions. Commercial financing can be used in a variety of ways and is increasingly classified as general-purpose loans.

Operational expenses

Operational expenses (also known as OpEx) are associated with ongoing costs a company pays to operate its core business activities.

Capital Expenditures

Capital expenditures (also known as CapEx) are funds used by companies to acquire, upgrade and maintain physical assets. Common capital expenditures may include the purchase of new equipment, upgrading business technology, facilities and inventory, and of course, real estate.

Protect Your Child’s Future With a Plan

As you come across newspaper advertisements and TV commercials of a young kid dressed up in robes smiling away at the cameras with a scroll in hand, it paints quite a picture. Suddenly your mind starts racing ahead and you imagine your child in such a happy moment. But that imagination is cut short when you start thinking about the money required to secure your child’s future.

Saving for your children’s education is of utmost importance. Putting your child’s needs before yours by trying to seek the best possible education for their future requires you to prepare a sound financial plan in this ever increasing world of rising costs and rising inflation. With education becoming expensive with every passing day from primary to secondary to higher studies, it is essential to plan for it early by investing in investment avenues that deliver inflation-adjusted returns while leaving enough to meet future expenses.

Gather Adequate Information and Estimate Costs You may not immediately know what your child wants to be 15 or 20 years down the line but getting a rough idea of what your child’s education in future would be the best start. With junior education currently starting anywhere between Rs. 3 lakhs – Rs. 4 lakhs a year, higher education in top reputed institutions across India is expensive and studies abroad being much more costing anywhere between Rs. 40 lakhs – Rs. 50 lakhs.
At the same time the average inflation rate (rise in costs) also needs to be taken into consideration while calculating the future costs of their education. Let’s take an example: A certain ABC school charges Rs. 25 lakhs today. 15 years from today, @ 8% annual inflation, fees would cost Rs. 79 lakhs. When you come to think about this amount as a whole, many people may not be financially ready to collect such amounts for their kids’ future needs.

Today’s Expenses Rs. 25,00,000

Average Inflation Rate 8%

Period of saving 15 years

How much amount needed after 15 years Rs. 79,00,000

Note: This is for illustrative purposes only. So, when you start planning for your child’s future, be realistic about assuming inflation as well.

Invest in Equity Mutual Funds Just by setting aside money for your kids’ education may not be enough. You need to let your money grow in the long-run. Beating inflation could involve investing in instruments which have a slightly higher risk. Equities can be one such asset class that may give you good returns in the long run. It is important to understand that equities are more of a long term investment option, since generally equities as an asset class is expected to give good returns over a long period of time. Inflation is one such factor that could possibly erode your hard earned savings if not channelized properly.

Start Early and Invest Regularly via Equity SIPs The most important thing that any parent needs to do is start saving early. Starting early gives you the benefit of the power of compounding and helps generate wealth out of your savings. If you haven’t yet invested in equity mutual funds, then now is a good time to do so via SIPs; not because of market levels but rather, because investing in equity mutual funds via SIPs helps you implement a healthy habit by way of discipline and develop a long-term approach thus letting you accomplish your long-term life goals like your children’s education.
Conclusion…

Our objective of this article is to help you plan and protect your child’s educational future so that he/she does not face any hurdles when it comes to paying fess to accomplish their dreams. While economic fluctuations are unpredictable, planning early can give a certain amount of immunity and serve as a financial cushion during crucial times.

A degree for theology school online for students by Luder Wycliffe

Colleges are providing a growing diversity associated with bachelor of ministry levels online, but it could be a bit confusing trying to find the one that’s right for you personally. That’s because ministry is definitely an area with a huge selection of career opportunities, a number of which are well paid and can include benefits, and others that are part time or even done on the volunteer basis. At the same time frame, a big increase associated with new options in youngster’s ministry, worship leadership and additional specialized areas has occurred as a variety of Churches have grown larger and much more complex. Colleges and universities possess jumped in to offer increasingly more specialized ministry degrees to organize graduates for those work.

A Job and the Calling
Many people take courses as well as full degrees in divinity, theology or even ministry mainly for individual enhancement. But if you intend to pursue the ministry like a real career, you should expect to locate a very wide array associated with salaries and job explanations. A denomination that has only been recently founded and wants to develop from a base of 75 approximately members may need merely a part-time minister, and have the ability to pay just $30,000 approximately per year. In which situation, the minister could possibly need to hold another job (which isn’t unusual), and that might be tough if the new Church is really a remote rural environment.

However, a job as the senior minister or head pastor in a large Church with a lot more than 2, 000 members could pay a lot more than $75,000. Per year and can include a full package associated with benefits. Bachelor of ministry degrees online are made to prepare a graduate to obtain on a career path to this kind of job, though most ministers associated with large congregations will give a master’s degree to their resume before they’re hired for this kind of position.

Diverse Job Possibilities
Even if you do not get, or perhaps don’t would like, the job as the head minister, there tend to be growing opportunities in specific jobs, particularly in bigger churches. Directors of youngsters ministry, family ministry as well as musical directors for Church services are needed, and there are specialized degree programs created for each.

A degree may also prepare you to work away from traditional Church environment, like a missionary, a religious college student, a counselor working within prison, hospital or other institutional environments or perhaps a non-profit organization with the religious underpinning.

Degree Cases Abound
Churches that have work positions to fill are obviously thinking about a candidate’s religious commitment around his or her academic background. It’s certainly possible to obtain hired in a smaller Church with no college degree. But larger Churches often lean more toward applicants with advanced training. That’s partly because there is such a lot of applicants today who do use a bachelor of ministry degree online. Unfortunately, you can tend to stick out in a negative way without having one.

Choice of Denominations
While there are lots of non-denominational Churches and levels offered schools not associated with any particular Church, you should look at whether or not you’re centered on working with a specific Church. There are several schools operated by Baptists or even The Churches of Christ, for instance. If you wish to complete your ministry work with one of these, it’s not a bad idea to think about getting your degree from the college that’s affiliated together. Catholic Churches, in specific, like to bring in those who have attended a Catholic university. The picture is a little different with the wide range of Evangelical, Bible along with other religious schools out presently there, but if you select a school with a direct link with the denomination you are looking at, it can help you receive your foot in the door a little more quickly.

Most Churches who tend to be hiring for new york theological seminary certificate program or other jobs may wish to see that a work candidate has real experience employed in a Church environment, it doesn’t matter what degree he or she’s. If you’re an adult who’s currently doing that type of work either on the paid or volunteer foundation, Theology Degree Programs can enhance your job without forcing you to prevent working while you research.

How to Exchange VITAE token in India?

Steps to Exchange VITAE to Indian Rupee (INR):

Are you searching for the best cryptocurrency exchange in India to exchange VITAE to INR (Indian Rupee)? Then, I would suggest “Koinbazar” would be one of the best crypto exchange platform in India to buy VITAE Token with INR at a high liquidity marketplace.

Here are the steps to exchange VITAE to INR from Koinbazar,

Step 1:

Visit Koinbazar

Step 2:

If you are already a registered user, choose ‘SIGN IN’ at the top right corner of the website to log into your account . if you are new user, click ‘SIGN UP’ in the top-right corner to register your account.

Step 3:

After you signing into the account, choose ‘MY ACCOUNT’ at the right top of the list.

Step 4:

Choose KYC verification under MY ACCOUNT.

Step 5:

Update the KYC authentication section requested details and identity certificates and then click ‘SAVE’.

Step 6:

Choose ‘BANK DETAILS’ and update your required information. Click “SUBMIT” then.

Step 7:

Go to ‘Assets’ and select ‘Deposit’.

Step 8:

Transfer your required funds to be deposited in either crypto (or) fiat.

Step 9:

Choose ‘Manual Deposit’ and update the account information in the required pages, as needed. Your transferred amount will be credited to your wallet after a check by the administrator.

Step 10:

Now, go to the home page, select ‘TRADE’.

Step 11:

On the trading page, choose “INR” market and select VITAE/INR pair to buy VITAE with INR.

Step 12:

At the bttom left of the page, start trading by setting the order type and order value you would like to buy.

What are the brokerage charges of upstox?

A lot of you people have heard that online platforms are best for trading. They are safer, reliable, encompasses the best safety and securities etc.

Well, this is true, online trading platforms have come as a divine help for those who are the trading and investing enthusiasts. But, it’s not as easy as it appears to be a part of such trading platforms. If you wish to trade via the prevailing online trading platforms then you must have a crystal clear understanding of the way they charge you. Yes, it’s the most important thing while selecting your broker house.

There are various broker houses, but in this article we are considering one of the most famous and swiftly emerging trading platforms called upstox. You must have heard of it right? Here, we will discuss in detail what the company upstox is all about and how it is charging various fees and charges from it’s customers, so let’s begin!!

About Upstox

The company, Upstox is a tech-first low cost broking company in India that is giving trading opportunities at indomitable prices. This company provides trading on different sectors such as commodities, equities, currency, futures, options which are obtainable on its Upstox Pro Web as well as on Upstox Pro Mobile trading platforms.

Upstox is supported by a group of investors which encompasses Kalaari Capital, Ratan Tata as well as GVK Davix.

This trading platform upstox offers trading, analysis, charting and many other rich trading features. This platform makes it susceptible and simple to place orders through mobile phones as well as the web browser. Upstox trading outlet is created on Omnisys NEST OMS (Order Management System) and also the Omnisys NEST RMS (Risk Management System).

The best thing about Upstox is that it gives absolutely free trading accounts and also free trading in the Equity Delivery segment. Trading in Equity F&O, Equity Indra-day, Currency Derivatives and commodities is available through Upstox Pro only. UpStox Pro is nothing but the paid service of UpStox for traders.

Now, we must have a look at the way upstox charges it’s few from it’s large customer base.

Charge sheet of upstox

You must have heard that the trading platform upstox does not charge even a penny for the demat accounts it provides. It’s true to an extent but not completely. There are still some mandatory charges that you will have to pay if you are a trader and using the platform of upstox. Let’s have a look at some of the following:

The first one is the Upstox Account Opening Charges which is currently ¹249.
The another one is Upstox Demat AMC that is fixed at ¹300 per year (paid monthly).
Note: You can calculate the Upstox brokerage Charge for free. Click the link below.

Prepaid Brokerage Plans of Upstox (¹249, ¹499 or ¹999)

Each and every upstox customer likes to purchase one of the following prepaid plan of the brokerage so that he can open a Upstox account. It is essential for a trader to purchase a prepaid brokerage plan with this platform, upstox. This plan is also very mandatory for those people who would like to do only equity delivery trades which are absolutely free from the brokerage.

The Ideal lighting for homes in India

In todays modern world a number of important factors need to be looked at when we are designing or building our own dream Home. The simplest part of building a house is the construction of its outer shell or the building. Then the real work starts. The interiors and its designing are one aspect with many sub aspects to be considered in the finishing of your house into a dream home.

A good lighting design takes into consideration many aspects like aesthetic designs, power consumption, lumens , colour temperatures and so on. Each room in a home has to have certain properties associated with ideal lighting. There is an ideal light for the bedroom, for the Drawing or sitting room, for the kitchen and dining room and for exteriors or washrooms.

For a bedroom a light which has around 800 lumens is considered ideal. This gives you enough light for reading but is also not bright enough to keep you awake. For Kitchens and an ideal lighting should reflect 60 to 80 lumens per sq. Ft of space. This rule generally applies for the working area of the kitchen. Generally, for the living room the lighting fixtures should be having adjustable levels. Depending on the activity being carried out the lighting may be adjusted.

With the increase in the usage of energy-based household utilities it has become necessary to have more power efficient lighting. That means the need for lighting with higher lumens but a lower energy consumption overall. The last twenty years have seen the advent of LED lights which has on one hand lowered the consumption of energy in lighting the home. On the other hand, the advent of more electronic gadgets like air conditioners, electric cooking ranges, micro ovens, deep freezers etc has increased the overall energy consumption in a home. For the outdoors the HPSV lamps are proving to be energy savers.

What type of light suits or is required for which home areas?

For more information visit us:-

Bedrooms : For bedrooms a light bulb which gives around 60 watts of light or 800 lumens of light is an ideal light. This gives you sufficient light to be able to read if you wish but also is not so bright that it will keep you awake if you fall asleep whilst reading. The ideal lampshade would be an overhanging one in the centre with two-night lamps on the bed side tables.

Living room : The living room requires more of lighting which can be adjustable with use of dimmers. The lighting in a living room needs to be adjusted mostly with the type of mood or the gathering in the room. If the gathering is small a more intimate and soft lighting will be more suitable and for larger gatherings the lighting has to be brighter. Corners lamps and lamps which highlight certain prominent points in a room like a particular painting or wall are used to give the living room that fancy effect. Dimmers can be used in Living rooms to increase or decrease the intensity of light as per the requirement.

Kitchen: In a kitchen the cooking area requires a brighter light than the rest of the kitchen. Sunken lights under the cabinets, led lights which illuminate the interiors of the cabinets when opened are very practical.

Bathroom: The ideal light for a bathroom is an overhead light of around 800 lumens plus brighter lights in front of the mirrors to give better accomplishment of tasks like shaving or makeup.

House Exteriors. The lighting for the house exteriors has to be bright keeping in view the security aspect of protecting your home from break ins.

Can Mobile App Notifications Replace Cancellation Notices?

P&C insurers are required to notify policyholders when their policies are cancelled for any reason. If they do not, and a former policyholder’s claim is rejected, they can be sued for damages well in excess of the claim. To protect themselves, many insurers maintain various kinds of evidence that Cancellation Notices were sent.

One compelling piece of Cancellation Notification evidence could be mobile app notifications sent directly to a canceled policyholder’s phone. The mobile app notifications could include links to Cancellation Notices and could be logged for future reference, reducing doubt that the policyholder was made aware that the policy was cancelled. This evidence creates a “digital audit trail” showing the insurer has made every reasonable effort to ensure that policyholders are notified of cancellation.

While a mobile app notification will not replace a government mandated, mailed Cancellation Notice in most states, Insurers can help to reduce the frequency and cost to litigate “bad faith” cancellation lawsuits by adding mobile notifications to their policyholder communication channels. Notification Management is one of the valuable benefits of a robust mobile policy services app. The low cost of a mobile app is typically far less than the high cost of a single judgement against the insurer.