If you’re a working adult, you must be well aware of the importance of having a health insurance. And most of you might already have their health insurance.

The importance and utility of a health insurance have long been recognized in the life of people. With exposure to an unfavorable environment every day, people are getting more prone to deadly and serious diseases. Insuring health acts as a life savior in such scenarios, saving you from the financial hit that these diseases and their treatments bring!

Considering the benefits of a health insurance, employers also provide the covers to their employees in different forms. Insuring health is covered under the employee healthcare compliance solutions.

If you’re a business owner and want to introduce a health insurance cover for your employees, hiring a health insurance broker can be a great help.

Now, business owners might have a lot of questions and doubts about the utility of health insurance brokers for small business but it is indeed a productive idea to do so.

To clear off your doubts, let us have a look at the benefits of hiring such insurance brokers:

• Brokers work independently. Thus, unlike other agents, they do not sell the insurance cover of just one company. They take you up as their client and offer all the suitable options they deal in. You can choose from these options as per your requirements for your employees and don’t have to stick with just one option.
• They offer tailored insurance covers. Health brokers like compass healthcare consultants take into account all the information on why you need an insurance coverage. They ask questions, take note of your requirements, and offer you tailored covers.
• They are experts. Hiring insurance brokers for small business is a win! The brokers are experts and know the market and technicalities of health very deeply. They can answer any questions coming from employees and can help you find the best coverage without wasting any time. Getting health insurance covers gets a lot easier and better with a healthcare consultant or broker.

Set a target. Think about when you plan to retire, how long you’re likely to spend in retirement and your ideal retirement lifestyle. Then decide on the income you’ll need to make it all possible.

Crunch the numbers. Check your super savings to see if you’re on track.

Boost your savings. If you need to save more, consider boosting your super with pre-tax salary sacrifice contributions or after-tax personal contributions. A financial planner can help you decide on the best approach for your situation.

Consider going part time. 41% of Australian workers over 45 plan to work parttime before they retire1, helping to ease the transition from full-time worker to full-time pleasure seeker. And depending on your situation, you can work parttime and continue to build your super, while supplementing your income with a Transition to Retirement (TTR) Pension, which is generally a lower-taxed income stream.

Change your asset mix. As you approach retirement, you’re likely to want to shift your investments from higher risk growth assets to more conservative income-generating assets. But with many Australians now looking forward to an investment time frame in retirement of 20 years or more, it may not make sense to abandon growth assets altogether.

Transition to retirement

A gradual move to retirement

Many people continue to work past age 55 due to different reason. Some need the money. Some wants to enjoy social interaction and the mental stimulation that a job offers. Some will reduce their working hours according to way to slowly ease into retirement.

The Australian Government has made it possible for you to continue your working while drawing down some of your super benefits. The policy known as transition to retirement, allows you to supplement your salary and maintain a comfortable lifestyle. You can also use this policy for tax saving purpose and boost your super before when you retire.

Once you purchase a TRP, you can transfer the money back to super at any time. This flexibility is a great option if you think you might return to full-time work at any point. However, a TRP can still be a smart strategy when you’re working full-time and want to boost your retirement income.

Some super funds have a minimum account balance, so it’s important to check if yours has a limit before you start a TRP.

A TRP isn’t always the most effective strategy. If you have investments outside super, you may actually be better off keeping your super as it is and using your other assets to supplement your income. In your retirement financial planning our advisor can help you choose the best option for your situation.

The stocks that are of high quality, the companies which are established, big, renowned, and are in the market for decades are called blue chip stocks. Blue chip stocks got their name from the poker game. In a poker game, there are three colored chips white chips (valued at $1), red chips (valued at $5), and blue chips (valued at $10). Blue chip is an analogy that is used for identifying the “most valued stock”.

What factors make a stock/company “blue chip”?

There is a combination of factors that transform a stock into a blue-chip stock means the stocks

Which has the largest market share

Is highly valued.

Has strong financial standing.

Pays regular and high dividend.

The company is large and established one.

Strong and known brand name.

Which has high weight-age in main stock indices etc.

Blue chip companies have the largest market share

Every company operates in a specific sector or industry and there can be many companies operating in similar sector/industry. There are companies that operate in several sectors but each company has a core operating sector. When we say a large market share, it means a large market share within that sector or industry. Large market share can be identified by the sales turnover of the company within that sector. You can also look for market capitalization of the company.

Why one should invest in blue-chip stocks/companies?

It is noted that first choice people make for their long term investment is for the blue-chip company. It is because the returns generated by blue-chip shares/companies are more assured in the long term. The reason being they yield consistent dividends, their future growth is more certain and during difficult times their stock price is more or less stable.

Investors like blue-chip stocks because they are consistent and high dividend yielding stock. Since these blue chip companies have a dominant market position and strong fundamentals which gives them the pricing power. Even in the bad times, their stock value does fall with the indices, but the price falling is slower, and recovery is faster.

How to identify blue chip stocks?

Apart from largest market share and highly valued in the market, there are few other factors one should look into are a strong balance sheet, highly profitable, high dividend payouts, and good investment credit ratings. More or less they are monopoly players in their segment.

All businesses are risky and have up and down cycle. What is blue chip today may not continue for a lifetime, but the probability of risk (being non-blue chip) is less for a decade or so. So it is better that once in a while keep on checking their credit risk, in case it is downgraded there will be a bad impact on its market price and so on your returns.

Companies that are blue chip today

Here is a list of few companies that are blue chip today (as on writing this article) taking into account few factors like high absolute returns since last three years, high market capitalization, high dividend yield, credit rating, and low beta. They are TCS, Hindustan Zinc, Reliance Industries, ONGC, SBI, Hindustan Unilever, Coal India, Infosys, and GAIL (India) etc.

In case you want to know blue chip stocks in particular industry/sector which you feel will be a future growing sector you can contact us and we will be glad to help you. You can also fill the free trial form available on our site and submit it.

Alternative energy production methods have been criticized in the past by supporters of fossil fuel production methods. While nobody argues that something that doesn’t pollute is better than something that pollutes, this is not the crux of the support for follis fuels. Instead, this support comes in terms of viability to be able to produce enough electricity to handle consumer demands, and the costs that must be covered in order to produce electricity in this way. The argument is economic, and essentially it hinges on the fact that people would like to pay less for something, even if there is a certain amount of damage that comes with it. When something costs a lot and does not do the same amount of damage as something that costs less, people begin to formulate opinions on acceptable levels of damage in order to justify paying less. The entire debate would end if the cleaner method also cost less, and it appears that data is now showing that this situation is upon us. Research is now showing that green energy technology has evolved to the point that it can produce enough energy to satisfy the needs of large communities without the need for backups, and that the costs that consumers will need to pay are lower. But how was this achieved?

There is no cost associated with purchasing the fuel sources in green technology, as the sun and wind are free. Oil and coal, wood and any other fossil fuel will have a cost associated with its purchase, no matter how low that cost is. The ultimate goal of turning turbines to produce electricity is the same in all methods, it is just achieved in different ways. Green technology is more expensive because the components of the process are technologically advanced, and ultimately get damaged in the field. The actual damage to solar panels and wind turbines as a result of exposure is relatively low, and the costs that have made green energy expensive in the past are found in surge related damage. The components in the process are tied together through power and data transfer lines, and when lightning strikes the panels or the wind turbines it easily sends a power surge along these lines. The damage to joined components that are some distances away compounds the damage of the strike, and components that would not normally suffer any damage at all need to be replaced. In addition, after a strike systems are taken offline, reducing the capacities for systems to create enough electricity to satisfy consumer demand. Through the integration of more advanced surge protection devices, the damage as a result of the strikes has been reduced to a level previously unseen, and systems are able to stay online and producing for far longer periods of time. Because of these two improvements, costs are finally lower than the costs associated with burning fossil fuels, and the debate no longer has anything to do with atmospheric damage. Today, green energy technology produces electricity at less cost than fossil fuels. so anyone who wants to pay less per month for their power bill needs to make their voice known.

What is Digital Transformation? In simple terms, Digital Transformation means to implement new technology in the organization. This includes each area, from the beginning of product development, to when it reaches to the customers. It is helpful for every type of organization, from small to large scale. Digital transformation requirements may differ from company to company, but the aim remains the same: to take the organization to the next level. For some businesses, adopting Cloud software so their organization systems run more smoothly is Digital Transformation. Where for other companies, implementing an advanced Customer Relationship Management system is Digital Transformation. Digital Transformation allows you to select the different areas of business that are the most important for your processes.

Why is Digital Transformation important for every organization? It helps to increase organization profit by making business processes run smoother. It helps to find loopholes in your system, and any hurdles that may stop your business succeeding. Most importantly, it offers a complete solution for each issue. How do you makeover a business with Digital Transformation? There are multiple ways you can transform your business with Digitalization such as developing a Cross-Platform Mobile App to expand your target marketplace. You can use SharePoint for web-based document collaboration platform. SharePoint helps to manage all your systems confidential documents centrally with better security. You can implement a CRM system in your organization. CRM software system helps to organize all customer related communication, engagement, document sharing and much more. Using Cloud Computing solutions in business reduce cost, time and energy spend on IT resources. Cloud computing software helps you to focus on core organization functions. It also helps to reduce in-house IT Cost like purchasing required software & hardware and paying an IT staff. Business Intelligence software also provides remarkable results through better decision-making. BI helps you in effectively collecting and analyzing important business related information and marketing data to finalize better decisions for future business growth. Adopting e-Learning software in the organization helps your workforce to educate related to business systems, like how to provide better customer support and develop better communication systems. Benefits of Adopting Digital Transformation in business

• Helps to improve the better customer experience
• Helps to develop an enhanced brand reputation
• Improve Business efficiency and flexibility
• Helps to increase Sales and Growth
• Develop better customer retention
• Helps to run business process smoothly
• Increase business process automation speed
• Helps to develop a healthy business environment
• Give opportunity to employees to show off their creativity and innovation
• Helps in business marketplace expansion
• Helps to take better management decisions

No one can find people who hates food. Even many of us are fond of food and likes to taste palatable dishes that tempt our appetite. For all functions, parties, get together and other events many people demand catering services. There is a saying that “Cooking is all about people, Food is the only thing that really has the power to bring everyone together. No matter what culture, people get together to eat. ” So undeniably the most on demand business is catering.

Easily Overhaul Your Catering Business:

Your catering can prepare the best mouth watering tasty foods. But it’s not that easy to make profit only with a astonishing skill set. Yes! Of Course some people might recommend your catering for other functions but still that’s not enough to make big business. You have to be unique as well as available to access when they need a service. This is possible only when you go online.

Commence a Website and display all your cooked food with the descriptions and images, that might catch the eyeballs of your customers. Give a brief explanation about the specialities in your catering menu.

Right now you would be wondering how can you deal all the technical parts like website building and how to manage them. The solution is much easier. We, Trioangle Technology limits your burden on this technical part. We provide highly scalable and reliable Uber clone for X script. That you can easily customise in the front end.

When you create a website for your business it’s easy to target a better events. Most importantly you can easily brand your business. Not only through websites, can also make your brand popular in the social medias.

By starting a website you can also get orders through the website and monitor your business reports easily. When you become a bit famous, then reviews and rating about your work helps to grab more customers. This also helps to access enormous number of cities to do big business.

Later your fame might helps to conquer your business and be unique from your competitor.

For Best Uber clone script approach trioangle technology and easily revamp your business to reach heights.

Every food franchise brands on the planet want to increase market share,for this they implement various marketing and promotional campaigns. Apart from this, it is also important to collect information regarding income level and expenditure on foods away from home. No business is as profitable as food and the prospects in foodservice industry. Problems have been admitted in on-going business models due to changing food habits of customers, moreover economic instability of nation is also affecting food industry. Before planning any food franchise outlet one must analysis market condition and competition level. Several international brands focus on various tools to find out problems and opportunities in existing marketplace. Here we are discussing significant points that you must know:

1. SWOT analysis: It is cost-effective and best strategic planning technique through you can evaluate strength, weakness, opportunities and threats of a particular brand. For example Chatar Patar, India’s 1st panipuri brand is performing outstandingly in India, you can do SWOT analysis as well.

2. Breakeven: If you are new to food industry, you must consider various important metrics to evaluate any food franchise. Breakeven is the point where a company neither make profit or loss.

3. USP products: In this global business environment, one must know about company’s USP products. For instance, Chatar Patar’s USP products including Chaatizza, zaapi, Aloo chakri, and panipuri.

4. Price:The price of products has decided on basis of geographic location, moreover some companies allow franchisees in decision making process. Before signing agreement it is your responsibility to Analysis Company’s current market condition.

5. Franchise agreement: It is most important metric that needs to be evaluated; you must check franchise agreement and discuss important points as well.

Chatar Patar is preeminent food franchise brand based in Indore; it gives importance to franchisees concern and always provides effective solution to their problems. At present, the brand is expanding franchise network in north, south and west part of India, in addition tier 2 and 3 cities are targeted to launch new low investment models with great acclaim. As a franchisee, you will get opportunity to explore entrepreneurial skills and easily learn new business strategies. Well established street food brands are struggling due to consistently changing consumers’ food habits, moreover technological advancements also help operators to save time, energy and money. Food franchise chains want to serve Indian society, for this they must include natural ingredients in their menu.

Chatar Patar is a responsible food franchise player; it has already introduced wide range of cuisines and all them available at reasonable rates. Few days back, cafe store has been opened in Solapur (Maharashtra) and in coming months new outlets will be opened in Mumbai, Gujarat and Pune. The street food franchise has announced new business plans that can be easily replicated in small as well as large cities. If you are interested to start own food franchise outlet, Chatar Patar is offering potential opportunities. Grab the most profitable business model to generate maximum revenue.

It is estimated that in the coming future, people will definitely want to taste something exciting and delicious so food franchise must invest in research and development activities. Being first gapagap brand, Chatar Patar is consistently reinventing menu in order to serve customers effectively. Overall, the idea of food franchise business is good if you are passionate to serve something awesome to your target audience. You will get assistance in various store related activities, even inexperience entrepreneurs can also start Chatar Patar outlet. A team of experts is working effortlessly to provide support to franchisees.

In this trending and engaged world everyone are enforced to travel. But considering the own vehicle maintenance fee and petrol charges people start preferring the peer to peer ride sharing. But in this circumstance to commence a ride sharing business one have to consider some major traits and work according to that. Eventually know about the Uber Clone script. It would help you widely.

How To Start A Secure RideSharing Business?

So Initially what is the initial requirement to embark the ride sharing business ? Ride sharing business is not exactly the taxi business. Here you gonna be the medium between the taxi owners/drivers and the riders. To kickstart in this field one has to own lots of perseverance, and also contribute large amount of time and money. But if you inaugurated the correct strategy for the business, then efforts on all your work would pay off profitably.

In this ride sharing business strategy one has to satisfy the rider as well as the drivers. To fame your business you have to concentrate on both side of the niche that is driver and rider.

Research about the location

When you are starting the business, the prior one is choosing the location. Understanding the culture of the people is also required. Because they gonna turn into your customers later. Choose the most engaged cities so that you can grab more opportunity. And then step by step start exploring to multiple locations.

Clear the Legal Documental Verification

To commence a business, one needs to clear the legal documentation verification, So make appropriate documents. It shows, that you are a legal business. And even climb the insurance process that provides better security for the business laterly.

Grab the Best Ride Sharing App

The most important one, that required to inaugurate this business is a responsive app. Because it is going to make the concept come real. Also based on the performance of the app your quality of service is going to be gauged. So act smartly and choose wisely the app.

We, Trioangle Technology a web and mobile app development company, have hands on experience in providing a robust app, which absolutely suits your business. We provide you the uber clone script where you can customise the app from the front end. Can also access the features from the website also. So a great deal to give a hit. To check out what are the features that available in our website, check out the Uber Clone script

Choose the Right strategy

Obviously creating the website or app alone does not helps you to be successful in the business. It requires the best marketing strategy. Grab all the opportunity to fame your business. Analyse what other competitors has done to move forward. LIke Uber, Lyft, And others. Because they are the successful pioneers in this field. Also considering the competitors might help to safeguard from falling into the pits.

Built a proper culture on your business module. For all the signed up drivers with your business, help them to know how to treat the riders. Though the drivers is not the employee of your company but they gonna represent themself with your brand. So make sure to gain a better impression with that. Eventually try to provide betterment for the drivers.

Though it consumes large amount of money and energy to commence a ride sharing business, you can equally gain profit here. Uber Clone Script helps widely to march towards the success.

If you are a business owner then this list of the top 10 business podcasts is a must for you.

As a business owner/ entrepreneur, we all know that maintaining and growing a business can be extremely difficult and taxing at times.

In order to keep growing and moving forward with our businesses, we have to constantly learn and develop new skills. That doesn’t sound too difficult in theory but with the daily pressures of operating a business, it’s not always easy to find the time to learn these new skills.

There’s only so many hours in the day so we need to be smart about how, and what we spend our time on.

A great way of achieving this is to maximize our downtime by listening to podcasts. Even busy business owners have downtime (walking the dog, going for a jog, commuting during the day etc) so it’s a perfect opportunity.

So now you’ve decided to check out some business podcasts where do you start? Well finding the right podcast can be tough, anyone with a microphone and a computer can basically record a podcast so let me show you the best business podcasts so you can cut the fluff and get straight to the gold.

TOP 10 BUSINESS PODCASTS

1. TED Talks Business
2. StartUp
3. Entrepreneurs On Fire
4. The Gary Vee Audio Experience
5. Social Media Marketing
6. Marketing School
7. Masters Of Scale
8. The Joe Rogan Experience
9. The Tony Robbins Podcast
10. The Tim Ferris Show

We often talk about in business starting or creating a company, but there’s another side to that coin. It’s not something entrepreneurs often think about, but many times there comes the point where you want to close your business. Perhaps you had a revenue amount that you wanted to achieve before you cashed out and started on another project of interest, or maybe you’ve been doing it for years, and it’s time to get the business off your hands since no one in your family is interested in taking it over.

Whatever the reason for closing your business, there are a few things you have to make sure you keep in mind as you proceed in unwinding the company.

• Co-Owners: If you have any partnership and you’re looking to move out of the day to day, it goes without saying that you have to speak to any co-owners. Use the articles of organization and make sure you create a written agreement that will dissolve the company or sell it to your co-owners or someone else who will assume your part of the business.
• Accounts Receivables: If you’re a sole proprietor, and you’re looking to close your business, make sure your accounts receivable are all paid and up-to-date before you inform anyone that you will be closing the company. Once you have all your payments, you can then notify your clients that you will be closing the business.
• Notifications: Once you’ve gotten all of the revenue sorted, you need to close your accounts with any creditors. You’ll also want to complete dissolution papers and file those with the state where your company is located. If you have a rented office or business location, this is also the period where you will notify your office landlord and anyone else with whom your business is associated.
• Protect Your Tradename: When you’re in the process of making notifications, you still want to protect your brand name and image. Cancel any licenses, permits or registrations that are in the name of your business.
• Team Members: One of the toughest things to do, especially if you have an excellent team of people working with you, is to inform them that they will be losing their jobs. The best thing to do is to give as much notice as possible so people can prepare. If possible, offer severance packages, and make sure that you comply with the U.S. Department of Labor’s Worker Adjustment and Retraining Notification Act depending on the size of your business.
• Financial & Regulatory Obligations: If you have an inventory of any kind or assets, you’ll want to liquidate everything. You’ll also want to make sure that you are compliant with the state and federal tax authorities. Don’t forget to cancel your Employer Identification Number (EIN) with the IRS.