Understanding The Importance of Insurance For Contractors

Insurance is being one of the essential things that everyone must have. There is a lot peace of mind which you will get through insurance. In fast paced life, insurance is something that can let you relax specially in the risk commercial sphere. Contractors’ insurance is one of the most essential protections which building contractors everywhere need. Contractors’ insurance comes in many forms but having a right general liability insurance can make sense. Different forms of policies are suitable to different situations and it is designed with an area of risk in mind.

Contractor insurance is a small business policy designed for those who are classed as contractors and are working on contract. They are skilled and professional personnel who are not employees of a company or organization. However, a contractor may work for a company but cannot be employee of that company. So we can say they are basically self-employed and work for themselves. Because they are not working under a company so they are not getting the payroll advantages as employees of different companies are enjoying.

Employee of a company receives sick pay and many welfare benefits which a contractor may not receive. So, the contractors can take advantage from the contractor’s insurance. It is the ultimate option that protects them and provides relevant protective cover to any contractor or freelancer. It can provide them the ultimate coverage from the accident, damage or illness. The contractors are in high risk position so they need the specific policy to prevent from future expenses. And if you need the reliable general liability insurance in NJ then Friedlander Associates is the best choice. It provides affordable insurance for NJ contractors and allows them the most comfortable life ahead.

Understanding The Importance of Insurance For Contractors
Understanding The Importance of Insurance For Contractors

Friedlander Associates is the only agency that offers protect & prosper to grow your contracting business. It provides the policy benefit not only to contractors only but also to their family. It has been serving the New Jersey community for over 30 years so has gained the ultimate expertise in providing the best insurance policy. If you are looking for the company that provides affordable insurance in NJ then make sure you prefer Friedlander Associates. It is capable to meet all your needs in the best way and will definitely exceed your expectations.

If you need protection of insurance policy that helps you grow your business then Friedlander Associates is the company to contact. It is capable to provide you the best service and support essential for your custom needs. It combines custom plans with online marketing strategy for growth of your business. If you really want to invest on right insurance policy then make sure you contact Friedlander Associates.


6 Reasons Why Saving For Your Retirement In Your 20s Is A Trashy Idea

In recent past, a lot of articles have been doing rounds on the internet advising folks in their 20s to start saving for their retirement, Nay, well who does that? We are not trying to drive you away from logic or prudent decision making but in fact, we have got logic to back our argument.

So read for yourself and know Why Saving for retirement in your 20s is actually a bad idea?

The very idea of saving for retirement is flawed. If you plan your retirement early you would try to save, which means not going out with friends, worrying about bank statement. This way, you would get too busy watching your savings instead of savoring your youth.

We get a lot of elderly advice on savings but a lot has changed between our generations and that of our parents. They wanted to save for kids while we don’t want to give up on our younger self. We’re on different schedule, different path and not to mention totally different savings plans.

  1. When you’re obsessed about your bank statement, you’re not making any money

When you carry on with your life which revolves around your retirement fund, you should resign now. You can’t make a mark in the world in case you’re too frugal to live in it.

  1. There is no point in making money if you don’t give yourself the luxury of enjoying your money

When you’re saving for yourself, you’re declining to go hard at life. Individuals who are saving in their 20s are individuals who don’t set their sights high. They’ve given up the race and have settled for less.

Your 20s is not the time to be feeling content or restraining yourself; it’s an ideal time to put everything at stake. $200 a month wouldn’t make the dent that a $60,000 increase in salary will in the wake of spending evenings out networking.

6 Reasons Why Saving For Your Retirement In Your 20s Is A Trashy Idea
6 Reasons Why Saving For Your Retirement In Your 20s Is A Trashy Idea
  1. When your savings give you some kind of solace, you will lose the spark in reaching out for the best

You’d be surprised at how over-cautious individuals get happy with only a couple of thousand in the bank. This isn’t an ideal opportunity to take a defensive stance – it’s an ideal opportunity to give in everything you have and hope for the best.

  1. When you carry on with your life by numbers, you deny yourself all adventures

What noteworthy experience does money in the bank give you? How happy can individuals end up sitting at home, watching their limited funds gain interest?

Life is to be lived, not viewed from within your condo.

  1. When you kick the bucket, you can’t take your money with you

When you’re mindful of your mortality, it makes spending even simpler. The individuals who don’t get ready for what’s to come next can’t be making arrangements for their passing.

  1. You will regret not enjoying your life at Retirement

When you’re 40, you’re not going to think back on your 20s and be thankful for the couple of thousand you spared. You will be brimming with grieve of not having experiences you could have easily had, the people you didn’t meet and the fun you didn’t have in light of the fact that you were too stressed over a future that traveled every which way.


Cashback Credit Cards – All Your Need to Know Before Applying

Talking about cash back credit cards, they do offer reward points but the points can be redeemed for money instead of gifts and other rewards. Hence the name cashback cards.

Cashback credit cards offer cashback on most of the purchases made using the cards. Those who conduct their day-to-day purachases on credit cards can use a cashback credit card instead of regular one to enjoy more benefits.

While money back is one feature offered by cashback credit cards, there are other things about which one must be aware to get a best credit card. Continue reading to know about the types of cashback credit cards, things to consider while choosing one and other things which would be of great help for you in choosing a right card that suits your spending behaviour.

Types of cashback credit cards

Also called as money back cards, cashback cards are being offered differently by different banks and other financial institutions. To make it easy for you we have categorised the credit cards based on the cards offered by top credit card issuers.

The basic type of cashback cards are those which work like normal credit cards that allow cardholders to earn reward points on most of the credit card transactions. Once the points reach a certain number, they can be redeemed for cash, which will be credited to your credit card account. However, the value of each reward point may vary from each card to other. For instance, HDFC MoneyBack credit card offers Rs.20 for 100 reward points while the Freedom credit card offers Rs.10 for 100 reward points.

The second type of money back credit cards are those that offer cash back on certain transactions. In such cards, a percentage of the transaction amount will be paid back as cashback. The feature can be typically found in co-branded credit cards. For instance, HDFC Bank Bharat Cashback card offers 5% cashback on all fuel transactions, IRCTC ticket bookings, bill payments, etc.

You can choose a cashback card based on your frequent billers. If you are not specific about the type of purchase you make using your credit card but use it quite often, you can go for a cashback credit card that allows you to accrue reward points that can be redeemed for cash. On the other hand, if you frequently do certain transactions in high volume, you can choose a co-branded cashback credit card or any other cashback card that offers better value for your high volume transactions.

Be aware of cashback card terms and conditions

We agree that the money back offers on cashback cards sounds tempting. If you have decided to switch to a cashback card for all your daily purchases, that’s great. However, while choosing a card from a wide variety of cards offered by various banks, you need to look at a few things that would help you filter the card that provides maximum benefits. Let’s have a look.

Cashback Credit Cards - All Your Need to Know Before Applying
Cashback Credit Cards – All Your Need to Know Before Applying

Transactions eligible and not eligible for cashback: Not all the credit card transactions are eligible for cashback. This would be the case with most of the cashback cards. Hence, you must know the transactions eligible for cashback to make the most of it. For example, on most of the HDFC cashback cards only retail purchases are eligible for reward points. Other transactions that do not qualify for cashback are fuel transactions, cash advances, annual fees, wallet loading, and EMI conversions. Also, purchases worth less than Rs.150 are not eligible for reward points, therefore, no cashback on such transactions.

Hence, make sure to be aware of the transactions eligible and not eligible for cashback offer on your credit card.

Accelerated reward points: The more the number of reward points, the higher will be the cashback. One quick way to accumulate more reward points is to look for transactions that qualify for accelerated rewards. HDFC Freedom card, for example, offers 10 times more reward points on PayZapp and SmartBuy spends. Check the cards that offer accelerated rewards and see whether or not it matches your spending behaviour.

Value of reward points: For cashback cards that allow you to accrue reward points and redeem them for cash, you first need to check how many points you can earn per transaction. For instance, ICICI Coral Card provides 2 points on every Rs.100 spent. The best would be the card that offers a maximum number of reward points for less transaction value.

Further, you need to be aware of the exchange value of the accrued reward points. As each card comes with a different reward point value proposition you need to be aware of how much you can earn for every point you gathered. Continuing the above example of ICICI Bank Coral Credit Card, each reward point accrued on the card can be redeemed for Rs.0.25. The best cashback credit card would be the one that offers more cash for less number of reward points.

Redemption rules: Every credit card provider follows a set of rules for redeeming reward points. Two main things you need to know about redemption are the minimum points required for redemption and the minimum cashback limit per month. While some banks allow you to redeem the reward points with minimum cap, other banks require you to accrue more points before redemption. Further, they also set limits on how much you can avail as cashback per month. The cards that offer the least cashback per month may not be a right choice.

The validity of reward points: If you neglect this aspect, all your effort in earning the reward points goes in vain. Know the validity period of the reward points accumulated on your cashback credit card so that you can redeem them before they expire.

Well, these are the important things one must know before choosing a cashback credit card. By keeping the above-mentioned things in mind you can get the best cashback card that suits your credit card spending pattern.


Healthureum The Crossing Over of Blockchain Innovation to Healthcare

Blockchain-powered technology is the new disruptive innovation well known for being the power behind the success of bitcoin. Some people can’t even differentiate the two from each other. They make use of the two reciprocally. One can’t place the blame on them because it appears to be true to some extent. However, blockchain goes beyond just the power behind Cryptocurrencies.

It’s the power of many other technologies. Its ability is beyond our perception. Best of all, it can be customized and can be utilized in any industry. When the blockchain was being created less than ten years ago, its primary concentration was being the network on which the first digital money would have been developed. It has since accomplished that feat and enlisted other numerous milestones en route.

It has been utilized in a lot of industries including security due to the groundbreaking elements that have been engrafted in the technology. This is significantly more welcome news ravaged and rampaged by cybercriminals who perpetrate digital violations only for the sake of fun and because they have the ability. It is only an exciting moment for them, and they care less about its effects.

The health sector has likewise been affected by information theft and some other discrepancies that couldn’t be solved once and for all or even avoided. The industry suffered a lot, but there wasn’t any way of solving this. It became evident and clear that there was indeed a need for new and creative innovation that would bring change to the face of the healthcare sector. Some had given up already. It is always simple to lose when no solution seems to exist.

Healthureum and Blockchain

The more the general public made full utilization of the blockchain, the more they understood how capable it was and how the technology could be embedded in several industries. It was an exciting time in innovation in which something intended for one thing was being utilized to take care of the issues of a lot of other industries. The beauty of modern innovation is being expressed at its fullest.

Luckily, the best was still yet to be brought forth. Blockchain innovation itself was to be actualized in the health sector. The project of healthureum was initiated along the line. The healthureum project was intended to bring the best of healthcare and blockchain innovation under a roof. This is a significant and critical project due to some reasons:

  1. The healthcare institution is a vital one
Healthureum The Crossing Over of Blockchain Innovation to Healthcare
Healthureum The Crossing Over of Blockchain Innovation to Healthcare

It is almost sure that our wellbeing is the most vital thing in our lives. It is highly unlikely we can enjoy the rest of our days on earth if we are healthy and sound. Without proper healthcare service and healthcare industries, our lives can be in danger.

The healthcare institution takes a long time to adjust to new technology. Some health care centers are well-known for being the early users of new technology or for promoting the need for the creation of new technologies. It is a relief if the healthcare institutions can quickly adapt to innovations and use it in the best interest of the general public.

  1. Healthureum is redefining healthcare

Gone are those days when healthcare industry was known to be one of those sectors that most people did not like despite the fact that our lives are reliant on it. The healthureum system introduces new features that make the healthcare industry more interacting and exciting.

For instance, the capability of telehealth will positively change the perspective of most people towards healthcare and how they deal with their wellbeing. The capacity to virtually meet with a specialist who might be miles away enables the patient to see consultations from a different perspective.

  1. The healthureum platform is a coordinated community

The healthcare sector was evidently lagging behind when it comes to uniting doctors and patients. The patient is the most vital stakeholder in the institute but has been disregarded for quite a while. This will soon become a thing of the past. Doctors and patients will be members of a single system intended to make life simpler for the two parties.

  1. The future looks brighter

The technology that serves its present need and can continue being applicable in the future is an essential one. Healthureum is one of the projects that have the future in mind. As blockchain-powered technology is effortlessly customized, it appears as though the healthureum platform can be transformed in the future to meet rising healthcare demands and needs.