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The best stocks to invest in 2021-22

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best stocks to invest

The year 2020 is destined to go down in the history books. The coronavirus pandemic triggered significant shifts in consumer and business trends not seen since the Great Depression, creating a list of the best stocks to buy now and in the next decade .

With a new president in the White House, a new relationship between the United Kingdom and the European Union and the historic creation of the world’s largest trading bloc for the countries of Asia and the Pacific, the year 2021 was shaping up to be another very interesting year.

If you want to learn about some of the best stocks to buy in 2021 and capitalize on historical trends and themes unfolding right now, read on and make this year your year!

Choosing the best stocks to buy in 2021, while keeping the portfolio diversified, will require looking at international markets.

Why buy stocks in 2021?

The year 2020 created some huge divergences between world equity markets. At the end of the year, the US stock market was trading at record highs, with some Asian stock markets as well. The rest, including Europe, were lagging behind the rest of the world.

While the coronavirus pandemic sent world markets out of sync, many analysts predict a “big reset” will take place. As central banks around the world continue to support economies by providing cheap credit, that money is expected to flow back into the stock market.

The year 2021 has been one of the best times in the last decade to identify the best stocks to invest in due to some significant macroeconomic and social changes.

EasyJet PLC (EZJ)

Shares of airlines around the world were hit during the coronavirus pandemic shutdown restrictions in 2020. However, with the launch of the coronavirus vaccine, things are starting to move slowly again. Special emphasis should be placed on the word “slowly”.

While airlines that focus on business travel may suffer from new telecommuting opportunities, there are many people who are eager to go on vacations and see friends and family around the world. EasyJet is well placed to take advantage of this situation, as its share price has dropped almost 60% since 2015.

Will Volkswagen share their shares rise in 2021?

Volkswagen’s “dieselgate” shocked the market in 2015. The German automaker admitted to installing devices in its diesel cars to cheat during emissions tests.

Lawsuits (still pending), fines and a sales halt hit the automaker, which has since done everything it can to end the scandal and see its share price rebound after plummeting nearly 65% ​​compared to its record level in March 2015, at € 254 per share. 

Best stocks to invest in the US markets

Tesla (TSLA): Investing in electric vehicles in 2021?

Tesla was one of the hottest stocks for 2020 and many investors believe it could be the same for the remainder of 2021. The EV maker’s stock price rose more than 600% due to a variety of factors.

➨ One factor was Tesla’s inclusion in the S&P 500 stock index, one of the most famous and respected indices in the world. 

➨ One of the other big factors is that many countries are moving towards cleaner energy sources, leading governments to accelerate transition plans from gasoline / diesel vehicles to electric cars. Increased demand has helped Tesla, which is expanding its operations with new plants in Shanghai, Berlin and Texas.

Disney (DIS)

Disney is probably a company that needs no introduction. Since its founding in 1923 it has come a long way with subsidiaries that include household names such as Pixar, Marvel, Hulu, 20th Century Studios, Lucasfilm, and its Disney parks and experiences division.

However, what has most investors excited about is the company’s move to online streaming with its Disney + service. Although the industry is filled with other streaming giants like Netflix and Apple TV +, analysts remain optimistic about the Disney adventure. 

Amazon (AMZN) – Buy GAFA shares?

Amazon officially became the second company in the United States to achieve a market capitalization of $ 1 trillion. That metric alone makes the stock a worthy competitor for the 2020 investor portfolio and is a candidate for 2021.

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How to get an insurance disability quote?

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insurance disability

The disability insurance quote is the statement of your insurance coverage provided by the company with calculated value of your insurance policy. 

The method of knowing the quote is really simple and one can get it in a detailed format from our website or through our agent. We cover the whole information from very basic to in detail.

The company offers free quote details, as we believe in keeping the process transparent and simple. The process of getting coverage is quick & easy so that the policy holder gets the benefits as soon as possible.

Choose the policy keeping disability insurance quote in mind:-

The ideal insurance policy should be based on keeping monthly salary & expenses in your mind so that the insurance coverage could be used as a substitute for your monthly expenses.

Secure quote to get a secured future:-

  • Choosing a instant disability insurance policy in your healthier times makes your insurance policy more effective which means getting an early insurance policy in low rates and high premium.
  • If you have just started your career this will be like icing on the cake , you can get  the best quote in favourable rates as per your requirement and it can later on be customised as well according to your needs and quote that you want for your security in future.
  • There is always space for making amendments into your disability insurance quote e.g- with your increasing income or expenses to get a good coverage the value can always be increased.
  • Our intent is to serve more and more population particularly those who are vulnerable of getting into any type of disability.
  • Comparing our quote with others will allow you to know the simplest terms and conditions with the percentage of benefits associated with this.
  • We know the odds that are faced by disabled persons, but the application of the right knowledge for yourself and your family can protect them from seeing big odds in their life just by getting the right disability insurance policy.

Proportionality of disability income quotes with needs, income and expenses

  • The disability income quote should be directly proportional to your needs and wants, income and expenses, so that, if you go through a disability than there won’t be a mismatch between your pre-disability income with after getting disability so that you don’t have to worry about your monthly expenses.
  • The utility of disability insurance have increased manifold as the demographic change is occurring over this time period with the increased fraction of women participation in the labour force market and irrespective of the gender we are equally concerned about their future’s security.

Chiefly the insurance disability quotes are based on the following 2 types:

1) Short term disability insurance policy

2) Long term disability insurance policy

Your expectations of providing security to your future can become reality only by getting enrolled in a disability insurance policy.

The purpose of the insurance has always been to focus on helping larger group of population by adding value to their life.

It’s not the right time to think emotionally but to think smartly & logically. Your today’s decisions can put impact on your future. But, nothing to get worried about our assistance and guidance will always be with you throughout this journey.

Your concern and your secured future is our priority.

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Essential Benefits of Using Credit Cards while Travelling

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Credit card use in India has increased over the past few years. With more people understanding the advantages of plastic money, and an increase in the number of places where they are accepted, credit card use has skyrocketed. The best travel credit card that matches your travel requirements can earn you reward points while you travel, while extending other travel-related perks. 

Significantly, it is useful having a credit card around when you travel, especially one which comes with a high credit limit and serves various purposes. One such credit card would take the form of the Bajaj Finserv RBL Bank SuperCard. This card lets you use it not just as a credit card, but as a cash card for any spontaneous cash needs where credit cards may not be accepted. 

When you travel, such a versatile payment tool is a must-have to make your trip hassle-free. Whether the credit card gives you security, convenience, or just something you use out of habit, it is a traveller’s best friend. With a gamut of benefits, a credit card is a preferred method to pay on a holiday, without you having to carry cash around. In this article, you will discover five essential benefits of using a credit card while you’re travelling.

  1. Security – One of the biggest reasons that prompt travellers to get a credit card is the assurance of security in finances. Cash can be very easily stolen or lost. Moreover, once gone, it cannot be replaced. Credit cards also provide protection against fraud and this is why most international retailers only accept credit cards with EMV chips. These cards automatically have an increased level of security. Several card issuers also give you liability coverage with your credit card. Credit cards are also enabled with cancellation facilities if they are stolen or misused abroad or anywhere where you travel. 
  1. Rewards – If you get a credit card that is widely claimed to be the best credit card for travel, you stand to earn huge rewards. You may get discounts and deals at special hotels and earn air miles which you can use on your next trip. You also get access to dining offers and discounts when you book car rentals. Almost all travel credit cards — and some regular all-purpose credit cards like the Bajaj Finserv RBL Bank SuperCard give you some form of lounge access at airports. Depending on the card, you may get domestic or international access or both. 
  1. Excellent Exchange Rates – Generally, credit cards give better exchange rates than cash (ATM) machines and forex stalls permit you. Some card issuers don’t charge any foreign exchange extra/processing fees while converting currency. This depends on the card you have. Some charge anywhere between 2% and 3% per transaction,  so it’s good to get a credit card that charges a lower rate. 
  1. Travel on a Budget – People usually travel on a tight budget, and one efficient way for you to control your expenses is to place a fixed limit on your card when you travel. This helps in keeping a check on your spending, as people tend to go overboard while on a holiday. You can get a credit card specifically for travel purposes, yet have your other credit cards in case of emergencies. This is also a good way to know how much of your spending is travel-related. 
  1. Flexible Transactions – Nowadays, everything that is related to travel is done online. From booking flights and shuttles to hotel reservations and excursions abroad, everything happens almost exclusively online. Sometimes, this happens months in advance. As a consequence, having a credit card is pretty much the only way to pay for the expenses. You can also purchase trips on EMI, without having to compromise on your savings. When you pay without any limitations, this gives you the peace of mind of travel and staying exactly as you desire. Cards with high credit limits give you the additional freedom to spend while on your trip. Besides this, in case you have to book local tours online through your smartphone, you can do so with a credit card. You get flexibility and permissiveness with a credit card. 

Get Going!

Apart from all the benefits extended by a credit card when you are on a vacation, there are other aspects that provide greater convenience. The best credit card for travel comes with insurance cover and can save you from emergencies on your trip, such as lost luggage, medical issues, cancelled flights etc. The pros of a good credit card are endless as you will discover with the Bajaj Finserv RBL Bank SuperCard, a card with four great uses. This card serves the purpose of a cash (ATM) card, a card to purchase on EMI, a loan card and a credit card. Additionally, the Bajaj Finserv RBL Bank Travel Easy SuperCard provides 10% cashback on travel-related expenses when you book Ola, Uber or for fuel purchases.

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What is Pradhan Mantri Awas Yojana? And its benefits

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Pradhan Mantri Awas Yojana

The Indian Government introduced the PMAY or Pradhan Mantri Awas Yojana scheme in the year 2015. The scheme was an initiative to provide affordable housing for all by 2022. PMAY has two components- PMAY Urban and PMAY Gramin. 

The PMAY-U is directed towards addressing the housing requirement of urban poor and slum dwellers. The PMAY-G extends financial assistance to the poor rural population to help them build a pucca house with all essential amenities. 

The following section offers a brief overview of benefits and PMAY eligibility to help beneficiaries make an informed decision.

Features & Benefits of PMAY scheme 

PMAY-U

Benefits of PMAY Urban includes-

  • The Indian Government extends slum rehabilitation grants of Rs.1 lakh per house.
  • To increase the availability of residential property to the economically weaker section of the society in urban areas, the Government of India extends a grant of up to Rs.1.5 lakh.
  • The Government also offers a Credit Linked Subsidy Scheme (CLSS) under which ESW and low-income group households can avail home loans at subsidised interest rates. Through the CLSS scheme, the Indian Government will offer a 6.5% subsidy for a home loan with a tenor of 20 years.

PMAY –G

Features and benefits of PMAY-G are –

  • Financial aid of Rs.1.2 lakh for households residing in the plane lands.
  • An aid of Rs.1.3 lakh for households in the hilly regions and North-Eastern states.
  • Exclusive financial assistance for households under BPL.
  • The minimum size of the house constructed under the PMAY-G scheme is 25 sq. meters. All such households will also be provided with essential amenities. 

General eligibility criteria for PMAY scheme

The Pradhan Mantri Awas Yojana eligibility criteria include:

  • The beneficiary or any member of their family should not have a pucca house in any part of India.
  • Applicants must not enjoy benefits of any other housing-related scheme proposed by the Indian Government.
  • Married couples can receive only a single subsidy for joint or single ownership of the house.
  • Applicants cannot avail PMAY benefits for already built houses.

Various PMAY beneficiary categories

PMAY beneficiary categories can be divided into 4 broad segments based on their annual income, which includes-

  • Economically Weaker Section (EWS) – Households with an annual income under Rs.3 lakh fall under this category. For the ESW, the maximum subsidy offered is 6.5% for a loan amount of Rs.3 lakh. 
  • Lower Income Group (LIG) – Individuals with annual income between Rs.3 lakh and Rs.6 lakh. For LIG Indian Government offers a subsidy of 6.5% on a loan amount of Rs.6 lakh. 
  • Middle Income Group I (MIG I) – Households with annual family income under Rs.12 lakh. Beneficiaries under this group can enjoy a 6% subsidy on a loan amount of Rs.6 lakh to Rs.12 lakh.
  • Middle Income Group-II (MIG II) – People with a household income between Rs.12 lakh to Rs.18 lakh. Individuals can get a maximum of 3% subsidy on a loan amount of Rs.12 lakh.

Therefore, you must check the PMAY eligibility criteria properly to enjoy the maximum benefit of the PMAY scheme.

Mandatory female ownership 

PMAY scheme makes female ownership of the property mandatory. The government mandates, a household availed through the PMAY scheme should be registered in a women’s name of the family even if she is not buying it. 

Facilities for senior citizens and differently-abled individuals

The clauses under the PMAY scheme also guarantee ground floor accommodation for senior and differently-abled citizens.

Application process for PMAY

Step 1- Visit the official PMAY website.

Step 2- Enter your Aadhaar number for the verification process.

Step 3- Enter all your personal details as asked for in the respective field of the PMAY form.

Step 4- Click on “Save” to save the form and generate the unique application number, which will be used for your future reference.

For further benefits, home loan borrowers must also check their pre-approved offers by NBFCs extended on several financial products like home loans, loan against property etc. The pre-approved offers reduce the document verification process and facilitate quick loan disbursement. Applicants can check their pre-approved offers by sharing their names and phone number.

Also, borrowers can use home loan EMI calculator to get an estimate of their monthly payables at the subsidised interest rates under the PMAY scheme.

The key benefits of PMAY scheme make purchasing residential property extremely convenient. It is one of India’s most lucrative housing finance options, which has proven extremely beneficial for both urban and rural households, ensuring a healthy livelihood for all.

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