The people of India have lots of interest in savings. This is the reason the banks are so successful in India. India has lots of options when it comes to savings like they have a savings account, fixed deposit, recurring deposit and many more things. The people of India think about the future more than presents and money is something which can help in various ways. They also make savings in the bank because they get an interest rate on their savings, so money increases also in a certain period of time. We can say it is the safest way to increase our money in India.


Today in the modern world, the things are changing very fast, so the thought processes also. People want more return on their savings now. So there are lots more ways to earn money from savings. The share market is a better place to get returns these days. It is becoming a common trend in India. Concept of mutual fund arises from share market only. There are lots of experts in the market who deal with mutual fund. One of the best expert is Mr. Mukesh Jindal. He has great knowledge and experience in this field. He has done different specialized courses from different reputed universities. He has done his masters in finance from the university of Delhi after completion of engineering in computer science. He is a CFA Charter holder from CFA Institute, US and CAIA Charter holder from CAIA Association, US. He is also a CFP from Financial Planing Standard Boards (FPSB). Mukesh has also completed his Doctorate in Finance and attained a Ph.D. degree. He has also written lots of research paper which is published in esteemed research journals. He has great knowledge in this financial field and person with so much knowledge can only take care of money of people.


A mutual fund is a concept in which funds are professionally managed in which, the money is pooled from investors to buy securities. Mutual fund provides a higher level of diversification, to provide liquidity. It is managed by the professional so people need to pay fees and taxes. But if you compare things from the bank you need to pay any fees, but in mutual fund returns are more. A person with great knowledge manages a mutual fund then it is very beneficial because share market of India basically work on the fundamental and technical basis. If we talk about Mukesh then he has immense knowledge and he was an associate faculty at university of Delhi and love to share his knowledge and provide more information to his client regarding financial field. He is specialized in designing economic models and to develop various strategies of investment. Presently he works with alpha capital, managing funds of investors. If we talk about the modern world, then mutual fund is a new thing for investment and giving good returns as compared to banks. It is a simple equation, trust the expert and get good returns from mutual funds.


Before you put your capital in a mutual fund, you need to know more than simply whether it ranks high in mutual fund list. Although some of the reviews are undoubtedly good, using them as the only basis for picking the mutual fund to invest could turn to be a mistake. If you are keen on the statistics, you will note than top-performing mutual fund are specified over a short period of time meaning you could end as a victim of performance trap.

To choose a mutual fund that is not just popular and has a high chance of producing long-term results for your profile, then you need to more information than a just rating. Consider the below seven characteristics.

Low expense

In every investment, there are factors within your control and other not. For instance, you cannot control the direction of a stock market. However, the expense ratio of mutual fund you choose to invest in is within your control.

Morningstar did an independent investment research in 2010 showing the impact of low expense in mutual fund performance. The result was low expenses and higher performance is correlated. In the investment category studied, the lowest cost profiles outperformed the highest cost profiles by a significant margin.

Strong fund management

Top mutual funds have a strong management team and a solid group of analysts. Also, those who are trading make sure the fund trades are well executed. The majority of the mutual funds reflect the performance of their managers. Therefore, before you put your money, learn as much as you can about the manager and find out how he or she will be changing the investment process or other factors that affected the fund in the past.

Consistent investment process

Know the cost and investment strategy of your mutual fund of choice. It’s actively managed, look at fund’s investment process. Ask yourself this questions. Is the investment process sustainable all year round? What makes this mutual fund unique from other funds?

Such queries will make you understand the investment process, its uniqueness and presumably why it’s better than other options available.

Strong parent company

Running a mutual fund is quite challenging. It requires more than just a skilled manager. Having a strong parent company means the fund conduct recruitment of talented support staff. A strong , ethical company sets the pace of its funds in terms of stewardship which Morningstar defined as , the manner in which the fund is run, the level in which the shareholder expect their interest to be received and protected from conflict of interest by the managing company.

Strong relative performance

When looking for a mutual funds, compare apples to apples. Do not compare the performance of government bonds and investment in large domestic stocks as the two are different in many ways. Instead look at the fund’s performance in the category of peer groups of funds. Assess how the fund is performing in 3, 5 and 10 years as history says a lot.

Size of the fund

You cannot afford to overlook the size of a mutual fund. You will notice that majority of funds starts on a high note but the performance taper off as more investors pour their money in. Size is also critical as some invest in small and mid-cap stock meaning they do not venture in large investment opportunities.

To address the growth system, some funds prefer to stay between small-cap funds and mid-cap funds. Other go outside their original investment and venture into diversification.

The issue of size is not a big concern to those mutual funds that invest in large-cap stocks.

Amazon is the best

I have decided to do all my shopping on the internet since I purchased the best hot air gun in India when I traveled to that wonderful country. That trip took place many years ago when electronic commerce or e-commerce began its development.

From the customer’s point of view, e-commerce is simply that people can acquire products and services they want or need through websites on the Internet without having to visit a store. From their homes, they can do it very easily because the development of technology has allowed transactions to be done electronically and to be safe for customers.

This type of trade has many advantages such as you can choose what you need quickly, you can choose the best price, you can buy from your house and receive the product to the place you want, and you have ease of payment. I think the biggest problem is that companies that are dedicated to electronic commerce must use mechanisms that become them really competitive.

There are many companies that are dedicated to e-commerce like Amazon, eBay, Alibaba and others. Each company has different models of trade to attract customers and achieve that they feel satisfied.

Amazon is a great example of how a company that is dedicated to electronic commerce should work. On the Internet, customers express a very favorable opinion about its operation and its offers. Although it is an American company it has branches in many countries, allowing them to have clients around the world. It is incredible the development that has had in a few years since it is a company that started as an online bookstore and at this moment it trades any kind of services and products. Amazon gets its gain by taking a small percentage of the selling price of each product that is sold through its website. Although other companies are very good too, I always buy through Amazon. Amazon is the best for me.

Benefits of Hiring a Chauffeur to Airport

Chauffeur to airport offers travel services day and night. Apparently, a well-presented chauffeur waits for clients at any airport in the UK after their flights’ lands. Further, the private driver greets the client, packs the customer’s bags, and takes the client to his/her selected destination in full luxury and comfort. The airport chauffeur ensures that you reach your destination safe and on time, and take pride in satisfying customers. Most airport chauffeurs believe that punctuality, attention to detail, discretion, and ability to keep quiet even under pressure are the key concerns with all airport transfer services. Nowadays, chauffeurs are employed as a full-time employment where their duties are to drive clients in their private cars. Despite all these, the chauffeurs are certified assistants who provide rental car services. Apparently, it is compared to taking a taxi but more luxurious and prolific.

Therefore, people benefit a lot from chauffer to airport services, as they are time saving, efficient, and convenient. Further, some airports in the UK already offer chauffer services for their clients who are satisfied and pleased with the travel services. Nonetheless, most wealthy individuals hire chauffeurs to get them where they want to go. It is easy to hire chauffeurs to the airport through the internet as many sites offer chauffeur services that you can choose from especially in the UK. It is easy to trust chauffeurs, as they are professional. Most of the chauffeurs undergo training such as driving technique, to make sure that customers are safe. Further, the chauffeurs are trained on how to handle unpleasant situations such as rough weather conditions, and a flat tire. In many airports, the chauffeurs obtain the corporal presence all the times; conversely, some organizations permit their drivers to where tuxedos, black suits, and hats. Here are some benefits of booking a chauffeur to the airport:

  • Professional services and incredible rates
  • A professional welcome from a well-skilled chauffeur who will pick your luggage
  • Exclusion from queuing cab ranks
  • Tranquility of mind knowing that you have a trained driver awaiting your arrival once your flight lands

In conclusion, drivers to the airport are reliable as they work for organizations that are well managed whose responsibility is to send one car and a chauffeur to pick you up at the airport. This kind of service differs from taking a bus that needs to collect different people along the way and making many stops, which create unpleasing delays. Therefore, with chauffeur to the airport you get to arrive at the airport on time.

UAE Free Zones: Fujairah

United Arab Emirates (UAE) Free Zones have always been recognized for its assistance to investors and entrepreneurs, when accomplishing their goals and dreams. This is, literally, a free zone, an area where business freedom is the only law to be fallowed.

There are dozens of free zones in the UAE, like the RAK Investment Authority, DWC, Jebel Ali Free Zone, Internet City, Health Care City, Knowledge Village and Media City.

The Fujairah Creative City Free Zone, for instance, takes its name from the Emirate where it is located. It was created seven years ago, in 2007, and nowadays is known like one of the most advanced free zones in the UAE. It offers licensing solutions for creative entrepreneurs, freelancers and professionals. Somehow, this place has become an alternative to the Dubai Media City, with more economic registration ways —and easier—.

It is important to point out that the company “Creative Zone” offers its services in this Emirate, giving to its clients the possibility of using offices in Dubai, even if they are only registered in Fujairah.

Why to come here? Its benefits

Profits starting from 17 thousand per year. It includes a huge rage of business support services.

No need to have a “physical” office in the UAE. You can create your company from the comfortableness of your own home.

No annual audits or paid up share capital needed. You do not need to block a considerable amount of money in order to create your society. Different to other free zones, this one does not required this step. In addition, you won´t be audit every year to renovate your trade license.

Legal documentation set in short time

Allowed business – Legal corporations

Free Zone Company

Free Zone Entity (This is the kind of company where there is a single owner with the 100 % of the founding capital)

Branch (A reasonable option for companies who wanted to establish a base in this zone)

Also, it is important to know that free zones like Fujairah (and Ras Al khaimah) offer other kind of free zone establishment, named virtual office or flexi-desk, which are nowadays the less expensive option to obtain a trading or services license, because it does not demand the rent of a space

Categories of Licenses

There are three categories for licenses in the Fujairah Free Zone. These are:

Trading & General Trading License. With authorization to export, import, and re-export (specific commodities)

Warehousing License. Possible to obtain hiring warehousing facilities

Manufacturing License. Obtained after the approval and implementation of the project

In conclusion, a Fujairah free zone company it´s a very good choice if your plans are expanding your company and increase profits.


Sources of retirement income

gtfjn-08Planning for retirement is a complex process. But it is a very important part of your life as well. With the aged population increasing and working population increasing, you cannot rely too much on the government funded retirement options. The private retirement funds that many companies offer also cannot be guaranteed. So, need to plan for your retirement. It is a fund that you must create.

There are many sources of retirement income. Once you know from where your retirement money will come, you will be able to decide how much you need to save for your retirement. Your annual employment income is the largest source of your retirement funds. This will contribute the largest amount towards your retirement fund. You should know what your after-tax income is. From this you should subtract your annual living expenses. The amount left can be contributed towards your retirement fund.

The social security is another source of retirement income. This can fund your living expenses when you retire. Employer-sponsored retirement plan is another option. You have the option to participate in retirement plan through your employer. You should consult a financial advisor to find out how much you will receive on your retirement from this fund. Your plan provider may be able to give you an estimated value of how much you will require as retirement fund in term of monthly payments. Like the social security benefits, funds from the employer-sponsored retirement plan can also fund for your expenses once you retire.

You should consider the current savings and investments you have. If you have a good investment portfolio, then it can help you to cover your retirement needs. If you have current savings and investments, you should include only the amount that will be left over when you retire. You can have other sources of income. Like, you can receive an inheritance from your parents before retiring. Whatever extra sources of funds you have, you should include them in your retirement funds.

If you find it hard to manage your retirement funds then you can take advice from someone like Blowing Rock Smartvestor Pro SVP Emissary Group Dave Ramsey John Scott Wheeler North Carolina investments retirement advisor. He can advise you how to manage your retirement fund well so that you can lead a comfortable life later on. Managing your retirement funds will let you live comfortably during your golden ages.

Deliver fresh food and flowers

imag-08The holiday season is here. As families and friends come together, parties are bound to happen. Nothings beat a gathering of family friends and loved ones like good food and wine. From the sparkling of lights to fancy outfit to special gifts.

Organizing parties is ever a challenge. You have to put everyone likes and dislikes into consideration. Organizing a party is more challenging in temperature sensitive parts of the country. Foods go bad fast, and so does the decorating flowers. To keep everything in shape is pretty exhausting.

Thankfully, you could use same day courier Coventry to deliver fresh food and flowers, the very day you are hosting the party. Here is how the refrigerated delivery will save the Christmas holiday party.

Controlled Food Environment

If the food is to be delivered chances are the food require a certain temperature or else it will go bad. Instead of risking you could have the food delivered the morning of the party. The food will be fresh and tasty with no contamination of scent. Such food is also safe to consume. Bacteria do not thrive in freeze environment .this way your guest will be safe and you enjoy the confidence as you serve them the meal.

Think about the leftovers? If your friends are willing to carry the food home, it is best done by professional courier services. They are fast and hygienic.


Christmas comes in winter. You could have flowers delivered early or snow sculptures. However, you still need to be cautious not to place them in a warm environment otherwise they stand to wither. Ice sculpture could be used in themed beverages. Mix some flowers and sculptures in the decoration.

By passing the food transportation to the expert, you are left with ample time to interact and prepare your guest list. In fact, you could order food and have it delivered ready. Most people who leave the refrigerated delivery to the expert say they enjoy the party since the success of the delivery is put out of their hands.

As the organizer, you have the responsibility of keeping everyone well fed and drinks flowing. That is what the party is all about. Entertainment is better enjoyed on a full stomach. Again a cold beer does the trick. In the United Kingdom hosting a party does not have to be stressing. If you are to worry about anything, let it be the music playlist for the party, not the food and decorations.

Valuable information regarding capital market investment

image-8If you are eager to invest your money at your risk then there are many funds where you can invest. Every investment does not guarantee you positive outcome. The main question you need to ask yourself before you invest is that whether your investment provides good returns and does it tax free.  Your entire question will be answered by the experts of ROBOADVISO team. They are the famous capital market advisor in the globe. They are unbiased and have transparency in their work. ELSS funds  is included in the profit making fund.  Comparing the reviews you can decide the best fund to invest.  A complete analysis of current market is necessary to invest your hard earn money.  Don’t go in hurry and invest anywhere. Talk with the experts and make your strategy plan and then invest. Profit is for sure if you have taken advice from ROBOADVISO.

How tax is calculated from mutual funds?

This is arises in every people who invests in capital market. Yes it is taxable as it is also part of earning which is tagged as income from capital gain. This is distinguished as short term and long term investment.  This also depends whether your investment is equity or not equity. It depends for how many years you hold your investment and type of investment such as equity, debt or hybrid and dividends. You will get all the information at the site. They also have analyzed the top 5 small cap mutual funds of 2016. This will help you to invest wisely.  Rating and reviews plays a great role when you put your money at risk.

How PE ratio involves in investment?

When there is a discussion of mutual fund or stocks we come across the term PE ratio. The price earnings ratio is calculated on stock price to the earning per share. You should take this ratio into consideration if you are thinking to become part of investment market. The outcome of this market is not certain but a careful investment at the right time can multiply your money.  It is really important to understand the recent market condition because you cannot just invest your money just because you want to invest. Took a right choice of place if you need help then ROBOADVISO management is available 24 hours to help you.  This is an award winning organization that has in business since past 25 years and its service created their name in the market.

Information related to different kinds of fund is explained in the site and the risks involved to that particular investment.  This information will help you to go in a right path to invest efficiently.   Effective judgements regarding markets will change your future.

Professional touch of the Southern California graphic design expert

mug-before-8A Southern California graphic design expert who is a professional developer first analyzes your business to make appropriate suggestions according to your business specific needs. These graphic design experts keep themselves fixed out with what is essential and most current technical stuff. In Southern California, most companies hire the best graphic designers who are experts and skillfully and technically extremely skilled in recognized proper readiness to stay on top of competition from other website design agencies. A well-talented artist is a real firm commercializing personnel; these personnel have a significant effect on your customer’s buying behavior.

The good looking website is not an enough assurance to you that once a client visit your business, he or she will surely come back. A Website designer needs to make the site in such a way that it should attract the customer and must make it easy for the customers to explore and look for what he/she wants in the web and not make it so perplexing and confusing just to make it look blameless. It ought to accomplish all the wants and needs of the customer. They should apply compound marketing skillfulness in the expertise of fundamentals deriving from repetition and familiarity. The graphic designer after carefully going through your industry details and these experts bring forward solutions that meet your business demands.

A professional graphic design developer will stay up to a particular level of current technologies to ensure that your web loads quickly and is capable of approaching a broad range of platforms. To obtain help from graphic design agencies leads to temporary means of the current plan and graphic design of advertising material. Customized promotion for newer websites as well as the present ones will be received. Graphic design work is a very detailed positioned time-consuming work. Giving stretch to entirely a particular effort might be hard and thus requires time, assets that might not be existing in your small business entity. Hiring a graphic designer would save time and help you make a better one.

The graphics and websites which are wonderfully created using Search Engine Optimization (SEO) techniques, with all that a customer’s calls for will be set on top of the search list. They are more probably to have high website traffic compared to others. Therefore a site or graphic designer should be cautious while making the web. If the website made is easy to circumnavigate and use like if the internet presents the required data in less time and offers you’re your customer what they are looking for then, the new customers would prefer these web more, and there are high chances of generating a sale.

Frozen food vs. fresh food

hmd-7The frozen food companies are trying to promote the image of the frozen food. Research has shown that frozen food doesn’t damage food. It preserves vitamins and minerals and has the right nutritional content.

Within three days of pulling vegetables from the ground, 80% of the vitamin C is lost from them naturally. Most fresh food has useful nutritional lifespan of up to five days. By freezing food, this nutritional depletion is stopped. Freezing technology has improved and there are fast freezing technology that lets food freeze faster. This helps to preserve the condition and taste of the frozen food.

When food freezes, the moisture inside and outside of it forms ice crystals. If the food freezes at a slow rate, the ice crystals become big. So, more damage is caused to the structure of the food and it’s flavor. Fish and meat can be frozen quickly by using liquid nitrogen to chill them to -230C in less than one minute.

Meat freezes very well and contains nutrients like protein, minerals, vitamins A and D. All these are affected by the process. Fatty red meat has low water content and so fewer ice crystals are formed that can alter the cell membranes and thus ruin the texture and taste. White meat doesn’t contain any fat and so has higher water content. The water inside the meat freezes into crystals and affects the internal structure and taste. You must use frozen white meat within six months, before it starts to deteriorate.

Large cuts of meat last more than the smaller cuts. Smaller cuts have large surface area compared to the volume. Therefore, more air reaches the meat. You can prevent this by wrapping meat in two layers of clingfilm so that the moisture is retained. You should avoid using microwaves to defrost the meat. You should instead put the meat in a freezer bag, tie a knot and the top and put it in a basin of cold water for a few hours.

The packaging of frozen food must be right. Southern California packaging design expert can help you pack your frozen food properly. The package design will attract customers and will keep the food in good condition.