All you need to know about Health Insurance

Insurance has become an integral part of many societies. Insurance as a product was created to safeguard or protect a person, property, goods or assets from unforeseen mishap arising due to accidents or other catastrophic events. In developed countries people are quite aware and they take up insurance policies for their well being.

Insurance can be broadly categorised into Life insurance, General insurance and Health insurance. Life insurance policy is a contract between an individual policyholder and the insurance company where the insurance company promises to pay the beneficiary or nominee a sum of money in exchange for premium upon death of insured person. General insurance policies cover the property, automobiles and non life items under the policy contract. Health insurance is different from both life insurance and general insurance.

Health insurance policy is a contract where the insurance company promises to pay for medical treatment of the insured person in exchange for the premium paid. These policies are normally of short duration mostly of 1 year duration. Health insurance are commonly known as mediclaim policy. Some reasons for taking up health insurance policy are

  1. Rising medical costs for treatment of diseases – Due to modern lifestyle people face a number of health issues and it gives rise to many diseases ranging from common flu to critical types of cancers. As medical inflation is increasing day by day the cost for treatment of diseases is always increasing and it becomes unaffordable for a common man to take proper treatment. In such cases health insurance plays a vital role in protecting the individual from this high cost of treatment.
  2. Coverage of pre and post hospitalisation costs – Most of the health insurance available in the market come with pre and post hospitalisation cover meaning the cost involved before the actual treatment and cost involved after the treatment both are covered. Normally pre hospitalisation cost includes diagnosis tests, medicine cost, consulting fees etc. while post hospitalisation cost include medicine costs, nursing cost etc.
  3. Additional benefits like ambulance coverage, day care surgeries etc. – Due to advancement in medical field most of the surgeries, treatments are completed in short duration of time also called day care surgeries/treatment and you do not need to get hospitalised for the same. All these surgeries are also covered under the health insurance policy.
  4. Tax benefits – In many countries people are given incentives or tax benefits on the amount of premium paid by them for their health policies. This encourages them to have health insurance policy in place.
  5. Critical illness covered – Nowadays most of the health insurance policy cover all the critical illness like cancer, heart disease, arthritis, kidney failure etc.

To conclude as new diseases are emerging in the world the focus is now shifting to healthcare facilities throughout the world. It is the need of the hour that people take care of their health and pick up a good health insurance policy for themselves and their family.

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How to Make Explainer Animation Videos

Online marketing has changed considerably in recent times. Earlier plain text or content would be sufficient to market the products and services. But nowadays you have to include graphics, animation, short videos etc. to engage the consumers into trying your products.

Gone are the days when print media or static article would suffice the marketing requirement. Marketing is now done with content which includes high resolution videos, images, graphics which engage consumers in a way never done before. So it is imperative to make use of the new technology in implementing the marketing strategy to gain substantial market share.

Here we will discuss a powerful tool which can help out in creating awesome and funny and catchy animation video for client engagement

Animation Studio – Animation Studio is the all-in-one solution for creating eye catching pro quality 2D animation videos in any language of your choice. There are a number of niche available and you can select ready template for making cool trending animated video.

But why animated video? Do you need it?

And the answer is Yes, because nowadays an average mobile user spends around 4 hours per day watching video which is 28 hours weekly so naturally for increasing your sales you need to go for such videos.

Nowadays many companies have started replacing their static boring website page with funny animation video page and have increased their sales. So animated explainer videos can turn your webpage into sales magnet page. These videos are taking the internet in storm by their increased engagement with customers. The competition is fierce online as more and more businesses, marketers, bloggers are switching to online marketing and it becomes absolutely necessary to remain competitive, so animation videos can be a great tool for standing out in the competition.

Some of the advantages of Animation Studio are –

  1. Easy custom video editing interface – No technical skill or video editing skills are required for creating awesome sales generating videos. The interface is simple to use and by just drag and drop custom interface videos can be created.
  2. Ready-made niche templates included – A wide variety of templates are available for ready use across industries and niches and the number of templates are added every month.
  3. Built in library of animated assets – A massive collection of characters, themes and backgrounds are available for ready use.
  4. Professionally recorded voice over included – All the ready-made templates are with professionally recorded voice overs with required sales script.
  5. World class text to speech technology – It includes award winning text to speech technology that supports 25 languages and 50+ male and female voice styles and accent.
  6. One-click translation technology – A wide variety of audio sourcing and voiceover options are available as well as onboard translator. So create a video with multiple languages as per the requirement.
  7. Professional studio grade videos – High quality professional video can be created from scratch within minutes.

Animation Studio comes with a solid 30 day money guarantee so it is practically no risk if the product does not give intended results!

This is not done as you get a unlimited commercial license so that you can create and sell videos to other marketers and businesses and charge fees for your awesome videos!

Also Animation Studio is 100% browser based, no need to download, install or update. Wait there is more as you get exclusive bonuses!

  1. Animation studio is available for price of $67/month $47 one-time only so there is huge savings of your hard earned money.
  2. 50+ Royalty free music tracks for your need for around $25
  3. Huge bonus library of explainer video assets, props and templates of around $500
  4. Killer bonus pack of “10” 2D explainer style human avatars of $1000 value.
  5. An awesome bonus library of “10” 2D explainer video backgrounds of $600 value.
  6. “10” professionally recorded voice overs by Todd Gross of $500 value

A total bonuses worth $3000 absolutely free!!!! So don’t wait and

Disclaimer – The views expressed are personal and the sole responsibility of following the same rests with the reader. This article may contain affiliate links. As an affiliate marketer, I earn from qualifying purchases, this means I make a small commission at no extra cost to you



Know More About Digital Marketing

Digital marketing is a type of marketing where the products or services are marketed or promoted by digital media. Because of the restrictions and lockdowns imposed at many places marketing of goods and services has changed completely. Businesses have started promoted their product online or in a digital way to sell their products to the customers.

One way of digital marketing is affiliate marketing where marketers called influencers promote specific products or services using affiliate links to sell the products. This new way of marketing is especially useful as the influencer promotes products based on the type, quality and features of goods or services. The influencer earns a part of profit in the form of commission for the qualified sales. In this way there is win-win situation for the manufacturer, the marketer as well as the customer as the customer receives quality product because of the recommendations

However it is fact that many influencers struggle in affiliate marketing and hardly earn any profit. This is because they lack knowledge, skills or tools required to succeed in affiliate marketing. Here we will discuss a powerful tool called Commission Gorilla which can make affiliate marketing profitable and help to generate millions of dollars in commission.

Commission Gorilla is a page builder software which helps you to create awesome promotion page which can help you to generate sales by making conversion rate quite high. Commission Gorilla is the number one page builder software and many affiliate marketers use it to generate millions of sales. Some of the features of Commission Gorilla are –

  1. The software is simple to use and you just need to drag and drop to create attractive promotion page which acts as a magnet for selling products online.
  2. We can have fully customisable page with awesome graphics, video, text blocks with all the social media sharing options like twitter, facebook etc.
  3. Bonus library is provided where you can use templates for creating your desired promo page.

4. Commission Gorilla saves time required for downloading softwares and access information automatically across pages. There is no need of setting membership platforms no need of coding, everything is done within minutes to be shared immediately. So you create promotion page and start sharing faster then the average competitors.

Because of all these features Commission Gorilla is one of best selling affiliate marketing tool in the market.

Additionally you get 100 % risk free, no questions 30 day money back guarantee if the product does not provide the expected results. Plus you get WordPress plugin fully supported with 100% free web hosting.

The offer is not over as you get run up to 20 simultaneous promotion campaigns and import of any existing Commission Gorilla page. So don’t think much and create account trusted by 7500+ smart affiliates worldwide earning millions in commissions!

Disclaimer – The views expressed are personal and the sole responsibility of following the same rests with the reader. This article may contain affiliate links. As an affiliate marketer, I earn from qualifying purchases, this means I make a small commission at no extra cost to you!



How to earn from Affiliate Marketing

Affiliate marketing is type of marketing where a product or service is promoted by using affiliate links. The marketer promotes other people’s product or services instead of creating his own product and earns a commission for qualified sales. This is new generation marketing which helps the customer to select the best product available in the market based on recommendations from the influencers.

Many individuals join affiliate marketing in order to earn money but it is fact that most of the marketers hardly earn any money from affiliate marketing. This is because people have no knowledge about this type of marketing and they jump into it just for earning money. Due to this most of the people fail in affiliate marketing and move onto other things. It is a matter of fact that some affiliate marketers earn millions just by affiliate marketing.

Here I will guide you step by step approach so that you can earn from affiliate marketing.

  1. Select product niche in which you are interested. The product may be electronic product, beauty product, software etc. Suppose you select to promote softwares, among different products available in the market.
  2. Research on the product quality and market penetration of the selected product which you will be marketing.
  3. Then make a content based on your findings and share it on various platforms may be blogs, website or youtube etc. as per your convenience. You may also compare different types of products available in the market or mention pros and cons of the selected product.
  4. Include your affiliate link in the content so that if the customer engages with your content then definitely he will buy the product. But do mention that they will be buying from your affiliate links as this will create a feeling of trust among the customers which will help in repeated purchase from them.
  5. If customers trust you then definitely they will buy from your affiliate link. Always give importance in building trust by promoting only quality products and services.

However after following the above steps the chances of success depends on your hard work, patience and perseverance. It does not work overnight just like other businesses so time must be spent in developing this business. However some tools are available in the market which can help you in affiliate marketing business –

  1. VisuaLab – Affiliate marketing is online marketing where you need graphics or videos to engage customers. But making graphical content is tough job as most of the people lack technical skills in using complex softwares and hiring a specialised designer will cost a big amount, So the solution is VIsualab where you can create customised stunning videos and graphics within minutes. Additionally the interface is simple so no technical skills or softwares are required, you work in powerpoint slides and create content just by clicking and dragging. Also you are provided with 264 readymade animation template which can be used to make your content engaging in a particular niche. You get free 30 days money back guarantee on VisuaLab, in case you find it is not giving the desired result. Try VisuaLab Now!
  2. Commission Gorilla V2 – This tool is purely intended for affiliate marketing where many marketers are earning millions by using this tool. Commission Gorilla is basically a page builder which is one of the best in the industry, with many satisfied customers. You can add graphics, videos, pictures etc. without any coding to your page, simply drag and drop the elements on the page and the page is ready. By using this simple page builder you can increase your conversion rate 3 times to 4 times and earn handsomely. Due to high conversion rate the sales is high and the money earned in commision is also high. So newbie who wish to earn money by affiliate marketing can definitely go for Commission Gorilla as they have money back guarantee plan in case you do not get desired results. Try Commission Gorilla Now

Learn more about affiliate marketing from this free audiobook book from Amazon, Click here

Disclaimer – The views expressed are personal and the sole responsibility of following the same rests with the reader. This article may contain affiliate links. As an affiliate marketer, I earn from qualifying purchases, this means I make a small commission at no extra cost to you!



What is targeted Marketing?

Nowadays marketing plays an important role for growing business, it may be a corporation or a small partnership firm everyone needs to market their products and services. But in today’s world there is some difference to traditional marketing, for example instead of print media, TV advertisement, banner advertising etc. a new type of marketing has emerged called targeted marketing.

In targeted marketing the receiver or the intended customer is pre-decided before actually the product or service hits the market for sale. For example if we consider the life insurance as a product for general public. Life insurance is normally planned for people in the age group of 18 to 50 years and the insurance schemes are marketed in such a way that the particular age group population find the insurance scheme attractive. People relate the scheme to their requirement and buy the insurance product. So this type of niche marketing is slowly but definitely replacing traditional way of marketing. By selecting a particular group of customers all marketing efforts are concentrated to sell the product or services to that particular group.

In targeted marketing the audience can be classified by population, age group, gender, geographical location, income or status of living etc. After selecting the audience then the marketing plan is prepared so as to make the product or service attractive to the group. Many companies have found this strategy particularly useful and they have increased their sales volume because of this strategy. As more and more products become available in the market consumers are free to make choices based on their attractiveness and advantages.

Nowadays targeted marketing is done digitally by email marketing where the email are sent to particular group. Social media marketing is another type of targeted marketing used extensively to target the younger millennial population.

So to conclude in order to have loyal customers for a particular product or service it is necessary to employ marketing plans targeted for a particular group. In future all marketing plans may become targeted to particular audience owing to dynamic nature of the businesses.

Disclaimer – This article may contain amazon affiliate links. As an amazon associate, I earn from qualifying purchases, this means I make a small commission at no extra cost to you!



5 Financial Lessons from Covid 19 pandemic

Covid 19 pandemic has affected almost all countries all over the world. Millions of people have lost their lives while millions have lost their employment and source of income. Due to the pandemic and lockdown restrictions many families have lost their source of livelihood. There is shortage of food supply, money, job among the poor and middle class people. However the pandemic has also made us aware of the steps to be taken in future to face such financial dilemma. Some of them are:

  1. Having an emergency fund is essential – Emergency fund is the fund which you save for the rainy days to take care of you and your family. But it has been a topic of debate the amount that needs to be saved as an emergency fund, as per experts emergency fund should be able to take care of at least six months of total expenses.
  2. We can all save more money than we think – Due to this pandemic and imposed restrictions we have understood that we can avoid many unnecessary spending like having lavish lunch or dinner on every weekend, watching movies in theaters, attending sports events and other crowded events which can be totally avoided. This ultimately helps in saving a lot of money !!!
  3. Not relying on Employer’s insurance but have an individual insurance in place – Insurance is a must for every individual as the high cost of medical treatment can wipe out all the savings of an individual. But it is a matter of fact that very few of us have a sufficient health insurance to take care of us and our families. Also depending on a group health insurance of employer is not a good idea as the health cover is lost once you leave the organisation so an individual must have an insurance plan.
  4. There is no guaranteed future income and there should be multiple sources of income – Gone are the days when an individual would join one company and would retire in the same company after decades. Nowadays the income received from a 9 to 5 job is not guaranteed owing to the dynamic nature of businesses. Employer may shut the company or may reduce the manpower employed in the company, in both the companies you may lose your employment and source of income. So it is particularly necessary to have multiple sources of income to take care of livelihood during such situations.
  5. Diversifying investments is a must for stability – During the pandemic a lot of investment in real estate, stocks and mutual funds fell to all time low but the investment in gold have continuously increased. This has shown that the investment should have a diversified outlook by investing in multiple assets so that if one investment is affected the other may rebalance the same.

Although the pandemic has been controlled in many countries but still the effects of pandemic are felt in many countries. But if some of these steps are taken then definitely in future we may fight such conditions in a better and efficient way.

Disclaimer – The views expressed are personal and the sole responsibility of following the same rests with the reader. This article may contain amazon affiliate links. As an amazon associate, I earn from qualifying purchases, this means I make a small commission at no extra cost to you!

Do like and comment if you find the article useful and follow blog. Learn more about personal finance lessons from this book available on Amazon – Click here



How to sell more in E-market

If you have an online business and wish to sell more products on the digital platform then a number of steps needs to be taken to flourish in the online business. We need to check the keywords, trends in the market, social media presence, customer feedback and the most important is strategies used by the competitors.

If we select any online e-platform for example we consider Amazon which started as book selling platform but today it sells whatever product you want. The growth of amazon is not just because of the spread of internet but of the strategies used by them throughout the years which have helped them to become a market leader.

Nowadays there is a stiff competition even in online market. We cannot rely just on the quality of our product but need marketing tools for successfully selling goods online. One such software is KDSPY software which is a powerful tool which can help you out in your success path of selling books online.

KDSPY can allow you to have an extension on your browser page where you can reverse engineer the data about the product popularity, price, keywords and a lot of other data in fractions of seconds. It is particularly useful in selling books business, may be paperback or kindle on Amazon. Using the KDSPY software all the details are visible. Just typing a keyword will provide all the details of the books like average sales, average reviews, average price and other many types of data for analysis. The software can also help you to analyse the competitor’s data and thus give opportunity to move ahead of competition.

For all such benefits every business owner must try the software once for increasing sales volume. Try KDSPY NOW

Learn more about keywords by Keyword kindle help book

Disclaimer – The views expressed are personal and the sole responsibility of following the same rests with the reader. This article may contain affiliate links. As an associate, I earn from qualifying purchases, this means I make a small commission at no extra cost to you!



All you need to know about Equity Mutual Fund

There are different types of mutual funds in financial world. However Equity mutual fund schemes are the most preferred schemes in the market. These schemes are always in a better position to give good returns in long run and also giving inflation adjusted returns. Every person must invest some amount of money in the equity market as bank deposits, and fixed returns investment give very low return due to the inflation. Some of the advantages of mutual fund are –

  1. Professional management – Mutual funds are managed by professional fund managers having vast experience in the field with excellent research team and tools for identification of best investment opportunity in financial market.
  2. Affordable Portfolio Diversification – Investing in multiple stocks will require a lot of money but by investing in mutual funds you can get a portfolio of high value stocks by investing small amounts. For example if you invest in blue chip fund you invest in all the blue chip stocks instead of requiring millions for the same.
  3. Liquidity – Invested amount in mutual fund can be withdrawn anytime unlike bank deposits where you lose a large amount of invested money if you withdraw before the tenure of deposit.
  4. Tax benefits – By investing in tax saving mutual funds commonly known as ELSS ( equity linked saving scheme) you can save tax under section 80C. So mutual fund can help you in saving taxes also.
  5. Convenient Options – A number of options are available in mutual funds where you can select the scheme as per your risk appetite, future goals, time horizon etc.
  6. Investment comfort – Nowadays all investments are done online via paperless and digital methods instead of tiresome old methods of form filling and visiting the office again and again. All the work is completed online within fraction of seconds.
  7. Regulatory comfort – All mutual funds are regulated by market intermediaries which help to protect the investor interests.
  8. Systemic approach to investment – Mutual fund provide a way to invest small amount of money regularly which makes an individual habitual of saving money and grow wealth in the long run.

There are various types of equity mutual fund like –

  1. Large cap fund – Large cap funds are equity schemes which predominantly invest in equity and equity related instruments of large cap stocks.
  2. Large & Mid cap fund – Large and mid cap funds are equity schemes investing in both large cap and mid cap stocks.
  3. Mid cap fund – Mid cap funds are equity schemes investing in equity and equity related instruments of mid cap stocks.
  4. Multi cap fund – Multi cap funds are equity schemes investing across large cap, mid cap and small cap stocks with minimum 65% investment in equity related instruments.
  5. Small cap fund – Small cap funds are equity schemes investing in equity and equity related instruments of small cap stocks.
  6. Sectoral fund – Sectoral funds are equity schemes investing in equity and equity related instruments of a particular sector/theme like pharma, banking, infrastructure etc.
  7. Tax saving fund (ELSS) – Tax saving funds also known as ELSS (Equity liked saving scheme) are equity schemes investing in equity market having a lock in period of 3 years. This schemes provides a investor with tax deduction under section 80C.

All these stocks are categorized based on the market capitalisation of the individual company stock.

Invest in mutual fund by Clicking here


What is a Bitcoin?

Nowadays everyone seems to be quite obsessed with Bitcoin as there is a lot of hype around the cryptocurrencies and blockchain technology. There are various cryptocurrencies like Bitcoin, Ethereum, Ripple, EOS etc., but Bitcoin is the oldest, popular and most traded cryptocurrency in the world. So the question is what is Bitcoin?

Bitcoin is a digital asset designed to work as a medium of exchange that uses cryptography to control it’s creation and management. It originated in 2009 and is open source, it’s design is public, nobody owns or controls Bitcoin and everyone can use it. So in simple terms Bitcoin is a digital currency which is decentralised, there is no central bank or administration to control them and can be sent from one user to other user on the peer-to-peer bitcoin network without needing intermediaries.

Bitcoins are created as a reward for process known as mining. Bitcoin can be exchanged for other currencies, products or services. Bitcoins have been used as an investment by many individuals and firms although it is normally criticised due to it’s high price volatility. Some individuals and firms also trade Bitcoin similar to stocks on exchange and earn good profits.

So the million dollar question is should you own Bitcoin?

Definitely you should own Bitcoin as an investment as Bitcoin price is continuously increasing and currently it is around $10,000 and as per future predictions the price may increase further and we can see $21000. Although Bitcoin is quite volatile, you can invest periodically small amounts so as to achieve dollar cost averaging and get good returns.

How do I get Bitcoin?

Bitcoin can be purchased on Bitcoin trading platform and stored. A digital wallet is a wallet where cryptocurrencies are stored, you can store different types of cryptocurrencies in a single wallet. Nowadays various platforms are available like Bitcoin.com, Coindesk, Bitbns etc.

I personally prefer Bitbns as platform which is centralized crypto exchange where you can trade and purchase many types of currencies with ease and flexibility. Get your Bitcoin wallet now – Click here

To know more about Bitcoin you can check the free audiobook from Amazon – The Bitcoin Standard

Disclaimer – The views expressed here are personal and the investment decision should be made after careful study of financials. This post contains affiliate links, if you use or buy any product or services I will receive commission (at no additional cost to you). I only endorse or support products or services which are of superior quality and not based on commission. Thanks for the support!



5 Life changing books everyone should read

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Books are considered to be our friends since ancient times. Books don’t just provide us knowledge but also teach us how to live our lives happily. Some books have immense power to guide us to develop skills which can improve our lives. Here I will list some books which everyone should read once in lifetime –

  • 7 Habits of Highly Effective People by Stephen R. Covey – This is probably one of the most inspiring self improvement book in modern world. Author Stephen Covey lists the habits which we can apply to everyday life and become a better person. The book can help an individual to develop leadership skills required for a better life both at work and at home. The habits need to be inculcated in our life for development of our body, mind, heart and spirit.
    • 1) Be Proactive – We are incharge of our lives and we should use our self awareness to be proactive and take responsibility for the choices we make.
    • 2) Begin with the end in mind – We can use our imagination to develop a vision of what we want to become and use our concise what values will guide us. The habit suggests in everything we do, we should begin with the end in mind so that we know the destination clearly.
    • 3) Put first things first – To manage ourselves we should put first things first that is we must have discipline to prioritize our day to day actions based on what is important or what is urgent.
    • 4) Think Win/Win – In order to establish effective relationship we must commit to creating Win-Win situations that are mutually beneficial and satisfying to each other.
    • 5) Seek first to understand, then to be understood – This habit suggests that we must seek first to understand, then to be understood. In order to seek to understand, we must learn to listen effectively and then understand it and then take actions.
    • 6)Synergize – When we understand and value the differences in another person’s perspective, we have the opportunity to create synergy, which allows us to uncover new possibilities through openness and creativity. It allows us to create new alternatives and open new possibilities.
    • 7) Sharpen the saw – This habit is focused around renewal, or taking time to improve our skills or sharpen the saw It surrounds all of the other habits and makes each one possible by preserving and enhancing your greatest asset – yourself. To get this book click here
  • How to Win Friends and Influence People by Dale Carnegie – In this book the author has beautifully explained the steps and methods to lead a happy life by making friends be at personal life or at professional life. To get this book click here
  • The Richest Man in Babylon by George S. Clason – Author has explained the importance of savings and finances to the general public with the help of parables. After reading this book you will definitely gain financial literacy which is important as many people suffer due to high debt, poor planning etc. To get this book click here
  • Rich Dad Poor Dad by Robert Kiyosaki – This book teaches why you need to create assets instead of liabilities for gaining control of financial future. The book teaches how rich people make money work for them and the poor and middle class work for money. The book is the best seller since decades and is considered the greatest book for teaching financial literacy. To get this book click here
  • Think and Grow Rich by Napoleon Hill – One of the most powerful book which teaches principles to acquire unlimited success in any field of life just applying the principles mentioned in the book. Napoleon Hill spent around 20 years researching the successful well known people like Henry Ford, Thomas A. Edison, John D. Rockefeller etc. on request of one of the greatest industrialist Mr. Andrew Carnegie. Mr. Carnegie believed that everyone should know the secrets for accumulating abundant riches so he had asked Napoleon Hill for this great task, and the book became a reality helping millions of people accumulate riches.

Though all these books are really awesome but my personal favorite is Think and Grow Rich as it helps us to achieve success in any field of life just applying the principles mentioned in the book. To get the book click here

Do read these books as these self improvement books will help anyone who wishes to become a better version of self!!!

Disclaimer -This post contains affiliate links. If you purchase a product through one of them, I will receive a commission( at no additional cost to you). I only endorse products or services which are of superior quality and not based on commission I receive. Thanks for your support!



Top 6 Digitalization changes in technology

Nowadays many people are working from home, but do we ever imagine how it has become possible for so many people to work from their home sitting miles away from their office! The case was not same during the 80’s or may be the 90’s when you had to go to office for your work. But now you can work from the comfort of your home just because of digitalization.

What is digitalization? How does it affect our life?

In simple language digitalization is conversion of information into digital format, that is bits which can be processed by the computer. A computer works on binary language or bits that is 0 & 1. Every information or data is converted into bits and stored in binary format. The invention of computer and later the advent of internet has changed our lives completely. Our life has totally changed and we are now dependent on digital equipment’s completely for our work. Let us list out some items which have lost their usage due to digitalization.

  1. Clock
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Many people have stopped using the clock after the advent of mobile phones. Mobile devices can be used to check time, set an alarm for waking up early morning and many more things. So after few years analogue clocks may not be found anywhere and found only in books.

2. Letters

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Due to advent of internet, humble letter has lost it’s shine. Earlier people used to write love letter to their loved ones, letter to their family members, official business letter to their companies or clients but now everything is done via e-mail instantly or through any messaging application. People have become habitual of fast speed so practically it is hardly used to send messages now.

3. Transistor Radio

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The craze of tuning to a particular frequency to hear your favorite music or show or news has disappeared now. Everything for entertainment is available online through mobile and other devices. Also for tuning a particular frequency radio application are provided in most of the mobile devices.

4. Phonograph

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Phonograph was one of the most common device for playing recorded music from 1870’s till early 1980’s. Now phonograph is rarely seen as better music playing devices have taken its place.

5. Telephone device

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I am sure most of us have definitely used these type of telephones in childhood so no need to mention about it. These phones are now rarely seen as they are replaced with glossy, classic handheld smartphones.

6. Photographic camera film

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Before advancement of technology these films were used for storing the pictures taken from camera. But now all the pictures and videos are stored digitally and they are not used, though you may find them at some stores in the market.

The list can be added further as many equipment’s, devices have become out of date due to digitalization.



Social Media Marketing

Social media has become an important part of everyone’s life. Due to advent of smartphone importance of social media has increased tremendously. Social media platforms like Facebook, twitter, Snapchat, Instagram etc. are being used by millions of people.

Due to technological advancement, these platforms can also be used for marketing as they have a capacity of reaching a wide range of audience of any age group. With the surge of internet usage, a number of social media communities have arisen. In these communities people collaborate to socialize and share messages, pictures, videos, and other content. If you see carefully everyone is buddying up on Facebook or Google+, checking in with twitter, checking hottest video on YouTube, sharing photos with the help of Instagram or Snapchat or pinning images on social scrap booking site Pinterest.

Nowadays most of the marketers are riding huge social media wave. Many companies have started giving greater importance to social media marketing due to the reach they provide to the consumers. Marketers are now learning how to engage customers by using a specific type of social media to turn them into monetary gains. Some brands already have their social media presence by creating Facebook page, Instagram page, YouTube channel etc. They engage their consumers on these platforms so that they create a brand value among them. As per statistical data Facebook is the most used social media platform in the world used by millions of people everyday, so it can be easily concluded the reach these platforms provide.

Social media marketing provides some advantages like –

  1. Social media marketing is targeted and focused – It allows marketers to specifically create and share tailored brand content specific to an individual. For instance shoe making brand Nike promotes its product to sportsman through their social media offering.
  2. Social media are immediate and timely – They can be used to reach consumers anytime, anywhere with timely and relevant marketing content specific to brands activities. Making use of this, marketers have started real time marketing based on what’s trending and creating a campaign or content based on it.
  3. Social media can be very cost effective – Though creating and promoting social media content may have high cost but the returns on social media investments are often high compared to traditional methods of marketing like print ads or television ad. Also many social media platform are free or inexpensive to use which puts them within easy reach of small businesses and brands that can’t afford high budget on marketing products and services.
  4. Engaging and social sharing capabilities – The biggest advantage of social media marketing has been their engagement with the customers. Social media are quite suited to creating a customer engagement and getting customer involved with brand and with each other. Customers can comment, give their feedback, like or dislike a particular product design etc. and it helps in shaping and sharing brand content, experiences, information and ideas.

Thus social media marketing can be really useful for reaching customers effectively and in quick time. But it also presents some challenges like-

  1. Many companies even the bigger ones are still experimenting with how to use social media effectively and have monetary gains so still it is not utilized completely
  2. Social media are largely user controlled so a seemingly harmless social media campaign can backfire if it is misinterpreted by the people.
  3. Marketers can’t forcefully way into customer’s digital interactions as they need to earn the right to be there.

However these drawbacks of social media can be taken care by using online visibility and marketing analytics solution software provider like SEMrush, which can help you in social marketing endeavor. Try their 7 day Pro trail absolutely free.

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Quick Guide for Investment

As the markets have fallen considerably due to the pandemic conditions there are frequent questions whether or not investment should be made in mutual funds, stocks etc.

As there is a saying, “History repeats itself”, the same is true with the equity markets, it may be SARS outbreak or Bird Flu outbreak, markets have always recovered from the downfall. In fact it is time to grab quality investment opportunity with both hands.

Most of the stock markets around the world, it may be Dow Jones, Nikkei , BSE, DAX etc. all have fallen considerably. During the great depression of the 1930’s people where also fearful but ultimately the hardships were removed and the markets, economies recovered from the Great depression.

So the question is where should we invest ? And how ?

Basically as the markets are quite volatile it will be advisable to invest in quality blue chip stocks or a blue chip mutual fund. The later one is preferred because the fund manager is always in a better position to select quality stocks in portfolio in an unbiased manner. Moreover the margin of safety is also there as the blue chip funds select only the stocks having good market stability, meaning they have surplus cash with them. As the great investor Mr. Warren Buffet has quoted

The three most important words in investing……Margin of safety”

– Warren Buffet

So you should select a quality equity mutual fund scheme with these parameters-

  1. Investing in blue chip stocks having high cash reserves.
  2. Scheme having low expense ratio. Expense ratio is defined as the percentage of fund assets for running the mutual fund which includes administrative and other operating expenses. In short it is amount charged by asset management companies for running a mutual fund.
  3. Good track record of the fund manager. It is particularly important as you are assigning the person to take care of your hard earned money, he is responsible to take investment calls on your behalf.
  4. Past performance of the fund needs to be checked. The scheme normally outperforms the market whenever the Bull markets are there as most of the companies valuation increases during those conditions. You need to check the fund performance during both bull market and bear market.
  5. Finally we need to check the star ratings provided by the various rating agencies. A good scheme normally has 4 or 5 star ratings which suggests that is as per market trend a good scheme.

If a scheme satisfies the above criteria then you are ready to go for the investment. But one thing needs to be understood that although we have considered every criteria still it may happen that our investment won’t give us good returns, in such case we need to be patient and follow what the smart investor does

Be fearful when the others are greedy and greedy when others are fearful”

– Warren Buffet

If you wish to invest in mutual fund then click here

Disclaimer – The information mentioned here are personal and no information on this site should be used for investment decision.




All You Need to Know About Online Marketing

Marketing is the process by which companies engage customers, build strong customer relationships and create customer value. Marketing is all about creating value for customers.

Nowadays due to the technological advancement new ways of marketing have emerged. As we are shifting from physical business environment to online business environment the marketing is changing in a phenomenon way. Digital marketing is replacing traditional marketing since most of the organizations are shifting to digital mode.

Digital marketing involves using websites, mobile ads and applications, online videos, email, blog to engage consumers anywhere, anytime via their computers, smartphones, tablets and other digital devices.

Companies have started using online marketing which refers to marketing via the internet using company website, online advertising and promotions, email marketing, online videos and blog. For most of the companies the first step in online marketing starts with the website creation. But for many small entrepreneurs creating a website becomes a difficult job as they –

  1. Lack the technical skills.
  2. They are short in funds to invest in making a website and running it.
  3. They are unaware of the advantages of website.

The first problem can be easily solved by creating a website easily by following steps-

  1. Select a web hosting provider like Bluehost which can provide you an excellent hosting plan as per the requirement of business. It has a extended 60-day money-back guarantee which means you can cancel your plan anytime in between 60 days if you are not satisfied by the quality and the money will be refunded back. Also it has very good plans starting with as low as $3.95/month. They have 24/7 expert support and you will get the required assistance.
  2. Select a domain name for your website if you have it or you can buy a domain name from any website available but if you go with Bluehost they provide you free domain along with the plan.
  3. Then you can create a website simply using WordPress or a wix. Both the platforms can be used to create a beautiful website with very little programming as they have ready templates which can be used.

The second problem can be solved as there are a number of platforms available online which can provide you free domain and web hosting. However they provide basic requirement but the free versions have some limitations and cannot guarantee website up-time so it is better if we go for paid plan as they provide superior customer support 24/7.

The third scenario is because of unawareness of digital world. Websites provide a lot of advantages to the businesses like –

  1. Website provides easy access to new customers.
  2. Website creates a identity on the internet by using your own domain name.
  3. Website provides a platform for interaction with the customers so customer service can be improved.
  4. Business expansion can be done as business can expand at various geographical location for example due to companies like Amazon you can get your products sitting home at any location in the world.
  5. Website helps in online marketing due to which traditional marketing expenses are reduced considerably.

Hope that the article provides idea on the change in marketing which has emerged due to the digitization of market processes

Disclosure: Bear in mind that some of the links in this post are affiliate links and if you go through them to make a purchase I will earn a commission. Keep in mind that I link these companies and their products because of their quality and not because of the commission I receive from your purchases. The decision is yours, and whether or not you decide to buy something is completely up to you.