How Much Millennials Need to Save for Retirement

Retirement can be the last course of life to be in the mind of millennials. But, life is getting tough by the time as the technology is taking over. Millennials now need to save 40% of their income as compared to 15% of the past saving plans. Right now, millennials are the ones in the toughest position and it can get tougher by the time of retirement.

However, let us do some math here to understand how much savings millennials need for the retirement plan and how they can make it happen.

Importance of Retirement Plan for Millennials?

The employment program is reshaping into automation, artificial intelligence, and machine learning along with a lot of other technological advancements. So, you need to invest more in on-demand skills and mental resilience including overall health. Because you need to be fit and mentally healthy to survive the wave of technological advancements.

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More importantly, you need a retirement plan for you to live a happy and joyful life in the last years. Besides of retirement plan, you can also consider life insurance for seniors, visit SeniorsLifeInsuranceFinder.com.

Experts About the Retirement

In 2016, the 17th Annual Transamerica Retirement Survey of Workers gave their perspective on the retirement for baby boomers, millennials, and Generation X. According to it, 72 percent of people contributing to 401(k) plans were born in 1979 and 2000 is around 72 percent and investing around 7% of their annual pay. And the other 30% invest more than 10%.

The same report shares the way boomers and Generation X had early withdrawals of their investments stating the major issues or debt pay-offs. So, millennials need to learn from the other generations and plan better.

So, you must be asking a question; how to plan your retirement budget?

How to Plan a Budget to Retire by the Age of 70 or Above?

Just assume that you have $23,000 in your IRA and you are planning to retire in the next 30 years. Moreover, you happen to manage to set aside $100 a month over the next three decades, you will end up with about $288,000 in total.

It is only if your investments in that IRA deliver an average annual 7% return for the remainder of your savings window. There may be other complications, but you can get through them while you’re planning retirement.

The question here is that if you are aiming to have this much amount at your retirement, how can you save it in this ongoing era of low wages and economic downfall?

1. Invest Early and Often

The main thing you need to do is to invest early and make it often. If you cannot 40% of your income, at least invest in the skills and health plans. Because by the time you retire, your skills and health can be core essentials to help you keep going.

2. Save Your Bonuses for the Retirement

Another plan is to start adding your bonuses to the savings account. So, next, when you are celebrating receiving a bonus, make it count by adding it into your savings account. In case you are not getting any raises or bonuses, you can still add some of the amounts from your income to save for a better lifestyle at the time of retirement.

3. Woman or Have a Family? Save Even More

Women generally dismiss the retirement plan. But they are more on the edge without a retirement plan. So, if you are a woman with or without a family, save even more.

Despite all the women equality protests, women are still facing low wage issues. So, if you are working around the clock and still end up with lower savings, you may need a better plan for your retirement. Therefore, start saving more by cutting more percentage from your income.

4. Have a Side Job

If you are dreaming about the comfortable retirement time and you don’t have enough income to cut 40% out of it, you can have a side job. Plan this job only for retirement and include the income in your retirement plan. It is just a way of planning for the long-term.

5. Pick Any of the Expense and Save It

We can increase our expenses and cut them off for our good. So, if you cut off some of the expenses, do it and include them in the retirement money. Yes, life is about living in a present, but the last years of your life shouldn’t be broke because you were busy living the life of the present.

Plan it accordingly and save for the days when you might want better health care and even a better lifestyle.

6. Invest in Different Plans

Invest in the 401(k) plan or choose IRA plans to smoothly plan your budget. Usually, all plans offer a tax advantage, but 401(k) and IRA are the hottest options in the market. For example, 401(k) contributions are made with pre-tax dollars, which reduces your taxable income. Roth IRAs, in contrast, are funded with after-tax dollars but withdrawals are tax-free.

So, find the institution offering these plans and start investing right now. All you need is to learn from the mistakes of boomers and other generations.

Final Thoughts

Ultimately, you need to prepare yourself for retirement. Do your math or listen to the financial experts to understand and manage your money accordingly. Millennials are hungry for the information and putting up important fights too.

So, they need to be mentally aware of their retirement plans too. Also, the job of the future is changing and you will need a safety plan to be healthy and fine.

How Texans Are Making Money With Solar Power

Texans are all about doing things in a big way and that includes saving and making money. One of the newest ways that residents across Texas are padding their wallets is by adding solar arrays to their homes. Most people know that you can save money with solar but aren’t aware that you can actually make money too.

The most popular trend in home design today is adding eco-friendly features. From full Net Zero homes to adding Energy Star appliances, homeowners are looking for ways to adopt a more eco-friendly lifestyle. Carbon footprint reduction has become a serious issue for people around the world.

solar-energy-texas

One of the biggest roadblocks of adding solar to your home is the initial set up cost. Putting up solar panels and setting up a full battery and conversion system can be expensive. But, it’s worth the cost when you take part in a solar panels buyback scheme that will have the power companies paying you instead of you paying out to them.

We have put together a list of some of the ways that you can make money by adding solar to your home in Texas and around the country.

Lower Your Bills

The amount of money that you can save on your energy bills is largely dependent on the size of the solar array you choose to invest in. You can calculate how much solar power you need to run your home using an online app or talk to your provider about how many panels are right for your home.

Once you are set up you will start to see an immediate reduction in the cost to power your home. If you add a large enough array you can eliminate your energy bills altogether, putting money back in your pocket every month.

Raise Property Value

Your home is likely the largest financial investment that you will ever make. With the markets still recovering, it’s important to find ways to increase the value of your home. When you add solar to your home you can expect a 4% increase in your property value. That can be a big chunk for many homeowners and a great way to put money in the bank when it comes time to sell your home.

solar-leasing

Tax Break

The only things in life that you can’t avoid are death and taxes. But, wouldn’t it be nice to make a better return during tax season? When you decide to go solar you can get a great tax break at the end of the year.

Up to 25% of your initial set up cost for home solar can be written off on your annual tax return. That’s a huge break for many families and allows you to invest in your solar package with confidence.

Buyback Program

For those homeowners that end up collecting more solar energy than they need to power their homes, there are great benefits to signing up for a solar buyback program. This means that any power that you produce in excess of what you need can be sold back to be used by your local grid. This means that instead of sending money out to the energy companies, they will actually start paying you.

Everyone loves to make money, so why not join the environmental movement of switching over to solar power for your home and watch your bank account grow.

Solar Energy Prospects in Oman

Even the fleetest of glances at a map of worldwide solar energy levels shows Oman to be well placed to exploit the energy-giving rays of the sun. In fact, over the last few years, a gaggle of reports have been published extolling the virtues of exploiting this renewable energy source. However, with increasing and more urbanised populations consuming greater and greater amounts of energy, only now are governments across the Gulf and wider MENA regions seriously looking at harnessing solar power to help fill potential energy deficits.

Sealing and mounting application of epoxy resins increase the environmental tolerance of the solar equipment

Mr Jigar Shah, quoted in a recent article, said investors were “desperate to invest in the Middle East solar industry” and were waiting for clear instructions from the governments in the region. He said, “The economics of switching to solar energy are far better here than in South Africa, India, Brazil, China and the US. Now that the costs of developing solar technologies have significantly declined, it is time for the Middle East to turn talk into action.”

That there is huge potential in the solar industry was underlined in no uncertain terms by the announcement last year of a $2 billion project to develop solar power projects in Oman. The plans also envisage creating industrial plants for the manufacture of solar panels and aluminium frames, to be used by the power station and also for local consumption and export.

Knowledge and technology transfer were also critical contributors to the success of the project which also aimed to tie-up with major international technology companies and international universities with expertise in renewable energy education, to help train the local population in servicing this burgeoning industry.

David Heimhofer, Chairman of Terra Nex Group and Managing Director of Middle East Best Select Fund, said, “By attracting foreign direct investment in the growing renewable energy sector and using German expertise, Oman will become not just a regional leader in the field, but also benefit from the great intrinsic value within the complete value chain associated with this economic sector. He says“In addition to generating new jobs for the Omani people and boosting exports, this project creates an entire industry that Oman can be proud of.”

The project is expected to deliver more than 2000 jobs for Omanis across a diverse range of industrial sectors and services. In order to increase the skill set of the local population to help service these new jobs, the University of Zurich proposed the setting up of an educational institution in the Sultanate specialising in the field of renewable energy engineering.

Going Green – Are Green Finance Deals Really Worth It?

Whether you are looking to go green because you are selflessly trying to help save the planet, you want to save some of your hard-earned cash, or, most likely, a combination of the two, deciding to make your lifestyle and your home more environmentally friendly does come at a cost.

Green Finance

Fortunately, lenders are now offering more cost-effective ways for you to embrace sustainability. From solar panel agreements to energy improvement mortgages to short-term loans for smaller green changes, keep reading to discover all the green finance deals on offer.

Energy Improvement Mortgages

If you are looking to make eco-friendly improvements to your home, such as more energy-efficient windows, additional insulation, or a better heating and cooling system, an energy improvement mortgage can help you to achieve your goals.

For those that already have a mortgage, you can increase your loan amount to cover the costs of your new upgrades. Although this will increase your monthly mortgage payments, you will recoup this over time through lower energy bills.

In fact, by simply installing double-glazed windows in your home, you can expect to save $250-$300 per year. Given that these windows can last up to 20 years, this could save you $6000 over their life span. Furthermore, if you choose to install triple-glazed windows, you can expect further savings of between 5%-10%.

Short-term loans

If you are looking to make a series of smaller changes to your home, which do all add up to significant savings, your best bet may be to take out a short-term loan.

Cashlady offers quick cash loans that can be approved almost immediately, typically lending lower amounts that are paid back within short timeframes.

Small green upgrades that you may want to consider making include:

  • Installing LED lights that last longer and waste less energy than standard fluorescent bulbs – save up to $75 a year.
  • Fixing any inside or outside leaks – save up to $35 a year.
  • Replacing an old toilet with a WaterSense model – save $100 per year.
  • Planting shade trees – save $35-$199 a year.
  • Purchasing energy-efficient appliances. By upgrading all of your appliances, including your dishwasher, oven, fridge-freezer, and kettles to ones with a higher efficiency rating, you will use up to 40% less energy.

Solar leasing or PPAs 

Did you know that more than 75% of American households have access to third-party owned solar power?

What exactly is this?

Both solar leasing and power purchase agreements involve the solar provider in question paying for and being the rightful owner of your solar power system. They will take care of the system installation, the maintenance, and any repairs that need carrying out.

solar-leasing

Solar leasing can be advantageous, as you do not need to pay for any upfront costs to install the solar system. However, the savings you make will be less than if you purchased the solar panels outright, plus the provider is entitled to the financial incentives for going solar.

Alternatively, if you want to purchase solar panels outright, you could consider a home equity loan. Buying solar panels is not a cheap option (you can expect to pay between $10,000 and $30,000 depending on the size of your home). However, they are expected to last for at least 25 years with a less than 10-year payback on the system, meaning you could potentially enjoy 15 years of free electricity.

Top 5 Advantages of Blockchain Certification

Blockchain technology today has spread across a wave of industries. Blockchain has gone far off its genesis and a report says that annual worldwide spending on this technology has nearly tripled since 2017. Annual spending on blockchain solutions is anticipated to reach $16 billion by 2023. Today, almost every industry, be it gaming, banking or finance are realizing blockchain applications.

blockchain-certified-professional

“Everything will be tokenized and connected by a blockchain one day.”

– Fred Ehrsam

From the perception that blockchain is meant only for banking purposes, it successfully moved to the implementation by almost every sector like:

  • messaging apps (like Telegram)
  • hedge funds (Numeral)
  • Voting (as in Follow My Vote)
  • Internet Identity and DNS (as in IBM Verify Credentials)
  • Critical Infrastructure Security (for example, blockchain-enabled keyless signature infrastructure)
  • Ride Sharing (used by Arcade City)
  • Internet advertisement
  • Crypto exchanges
  • Education and academics (as used in Learning Machine)
  • Car leasing and sales
  • Cloud storage, cloud computing, mesh networking
  • Industrial IoT, forecasting, and real estate

Now it is clear that blockchain is finding its application everywhere and making a career in this field would definitely prove to be a huge success. Let us explore how taking up a Blockchain certification course can let you make a pronounced career move.

Let us now see what actually Blockchain means.

What is Blockchain?

Blockchain is no new term for people involved in investments, banking, or cryptocurrency.

Blockchain, which is based on peer-to-peer (P2P) topology, is a distributed ledger technology or DLT. It allows data to be stored across the globe on numerous servers that allow anyone on the network to see everyone else’s input in near real-time. This makes it difficult for any user to achieve control of the network.

Simply put, blockchain is a chain of blocks, where ‘blocks’ refers to the digital information that is stored in a public database that is ‘chain’. Blockchain was initially created to serve as a platform to support Bitcoin.

Blockchain provides businesses with the promise of transactional transparency, which gives them the ability to create secure, real-time communication networks with partners worldwide that includes supporting everything from supply chain to payment networks, or real estate, and healthcare data sharing.

Blockchain technology conserves a record of entire exchanges of data that takes place. In terms of cryptocurrency, transfer of every information is referred to as ‘transaction’, and the database where all transactional records are saved is referred to as a ‘shared ledger’. Every successful transaction is added as a ‘block’ in the ledger.

Reasons to get Blockchain Certified

The candidates who wish to make a career in the Blockchain domain can go for blockchain certifications that are offered by the blockchain council. The certifications render a thorough knowledge of core concepts of blockchain and may prove to be the pathway to a lucrative career in this domain. Getting blockchain certified makes you industry-ready by making you develop the right skills you need to be proficient in the domain.

Let us read about the reasons why you should get Blockchain certified (as stated by the Blockchain council): A census states that 50% of people use the Internet today, but only 0.5% use blockchain; this can be taken as an opportunity to move ahead and learn blockchain.

You need to:

  • Understand how blockchain technology works.
  • Learn the skills related to blockchain.
  • Collect useful resources and make their efficient use.
  • Implement your knowledge in building decentralized applications.

1. Huge demand for blockchain professionals

Blockchain is trending today, and there is a shortage of skilled professionals. You can develop the required skillset and land on to a lucrative job.

2. Excellent salary and high job prospects

Indeed.com reveals the average annual salary of a blockchain developer to be USD 92,982.  The salary increases with your experience and also, the job market is bright for blockchain enthusiasts. The roles for which companies are looking for are:

  • Cryptocurrency Developer
  • Cryptocurrency Analyst
  • Cryptocurrency Trader
  • Cryptocurrency Mining Technician
  • Systems Engineer
  • Bitcoin Full-Stack Developer
  • Cloud Engineer
  • Senior Software Engineer

3. Absolute Disruption in chain

Blockchain is capable of adding significant value by improving confidence between parties and minimizing friction in the value chain. Hence, it creates many job opportunities as managers might be reassessing their value chains, and players might be estimating their future positions.

4. Industries on Blockchain

Apart from banking, almost every industry is implementing Blockchain technology today, such as energy resources, supermarkets, healthcare, cloud storage, real estate, travel and transportation, voting, and many other sectors.

Other advantages of getting blockchain certified include integration with new-age technologies, the inflection point of an era, data security and digital identity, calculated investments in cryptocurrencies and ICOs, vast infrastructure.

Bottom line

Blockchain is considered a disruptive technology which means that it is capable of bringing out drastic changes in the industry. Eventually, it has become one of the dominant technologies in the market today. The reason being that blockchain is an open-source ledger that is public. It makes transactions fraud-free, and no central authority controls it. The transactions made using blockchain are faster and reasonable.

Since blockchain is applied in almost every industry today, you can choose the industry you like and move ahead to make a career in it. You can choose from the many job roles offered by the blockchain council.

To achieve blockchain certification, it is strongly recommended that you take up a training course. There are several benefits of taking up the training course by some genuine online training provider.

Firstly, the thing that you worry about is the study material, from where to start and what to study. By taking up the course, you don’t need to care about this. Secondly, no time limitations are there and you can study anytime you wish to, and that too at your own pace. Third, you can choose from the modes of learning offered, that is, blended learning, instructor-led, or online training. All you need is to get yourself registered.

Green Financing as a Tool for Sustainable Development

Climate change and environmental damage due to human activity is now an accepted fact. Thankfully, investors and financial organizations are finally recognizing the importance of changing our ways and investing in sustainable technologies. This type of green financing is allowing them to recognize the environmental and financial benefits of these new technologies.

Green SMEs

Today we’ll cover how green financing can be used to encourage sustainable development on the company and individual scale.

What is Green Financing?

Green financing at its most basic is the use of public money, private loans, and micro-lending to support sustainability. The goal of green financing is to encourage change in favor of environmentally friendly actions.

It can be everything from large scale investment into tools to fight climate change all the way down to small personal online loans next day for consumers. This allows everyone to do their part to help promote sustainability.

Most green loans are tied to specific metrics. They can cover everything from large companies to the type of washing machine you purchase.

How Green Financing Works

Like any financial product there’s a huge range of green financing options. One of the most prominent examples is sustainability-focused venture capital firms.

These VC firms search for early-stage startups with a focus on the environment. They combine their financial goals together with their vision of what the planet should be.

By far the largest subset of their focus is on reducing our dependence on fossil fuels and fighting emissions. On the individual scale there’s lots of focus on lowering your carbon footprint.

Lots of loans are specifically put in place for people to buy green friendly products.

What Qualifies as Sustainable Projects

There are tons of early to middle stage startups with a sustainability focus. These are all key examples of large scale green financing.

Many of the projects are receiving the most funding focus on clean power and the use of renewables. Think electric vehicles, charging stations, battery enhancements, solar and wind energy, etc.

Another major sector is advancements in water purification, desalination, and ocean cleanup. These also include interesting projects like advanced agriculture and reducing the overall reliance on irrigation.

For individuals most green financing is related to their home or vehicle. There are lots of online loans same day available for things like energy efficient appliances or vehicles. These often combine with tax credits as a way to encourage people to reduce their overall energy consumption habits.

One of the biggest uses of green financing by individuals is to buy an electric or hybrid car. This reduces the often high price of these advanced vehicles and makes it more attractive to drive one.

Another big one is to finance green renovations to your home. If you want to improve your home’s insulation or add on a solar power system there’s ample funding available. These often combine with tax breaks and utility buyback programs to make it an even more attractive option.

Turnaround Time for Financing Decisions

With venture capital the around time for high-quality opportunities is often very rapid. If you have a great model for your business and can show a clear return potential they’ll often respond within just a few days.

For green financing other factors come into play. Most green venture capital funds have very specific requirements on what they’re looking for. Do your research before contacting them and make sure you represent what they’re looking for.

How much you should reasonably expect to receive depends on how far along in the process you are. Seed stage companies generally receive less than $1 million. Series A and Series B can receive more but still much less than more mature companies with proven revenue and a customer base.

For personal green loans the turnaround is often much faster. Many companies offer instant or at least same day approval for well qualified borrowers. This gives you the freedom to begin making your plans immediately after receiving funds.

Make Changes Today

The clock is running down on our ability to head off the effects of climate change. Green financing is one of the best ways to make changes in the world and your life. It funds the technology that may save humanity and allows individuals to make changes to their home and car to reduce their own carbon footprint.

ROI of Commercial Solar Panels for Business Owners

The way business owners think about solar panels has changed. Less than ten years ago, businesses were concerned about whether solar power would provide them with the energy they need. Now, that question is almost never asked, because it’s been answered. Two of the biggest companies in the world, Google and Walmart, have installed dozens of solar plants at their headquarters. Solar energy has been shown to work well for big business. Now small businesses want to know how solar panels can provide them with a strong ROI.

It’s said money doesn’t grow on trees, but in the case of solar panels, it does fall from the sky.

Commercial Solar Panels Decrease Energy Costs

Solar panels cut down on the amount of energy you pay for, because all day every day, you’re producing your own.

There is a common misconception that solar panels only work when the sun is blaring but this isn’t the case. Even on an average day in the depths of a British Winter, solar panels produce enough energy.

When you generate your own solar power, you only have to switch to the National Grid at night. With most small businesses using less power at night, this can offer huge savings.

More than that, small business owners protect themselves from losses due to energy price increases. As the cost of using the National Grid rises, solar panels save a small business owner more and more money.

Generate a Passive Income

Feed-in-tariffs (FIT) offer a big ROI for business owners who want to install solar panels. FIT is a government scheme which intends to encourage people to adopt low-carbon and renewable energy technologies, by paying them to do so.

Under FIT, every unit of energy your solar PV system generates is paid for whether you use that energy or not, and you’re paid for any energy your system produces that goes back into the national grid.

This allows small business owners to generate a passive income for twenty years, guaranteed by the UK government. As if it couldn’t get any better, all the money earned under FIT is completely tax free.

The Cost of Installation Has Decreased

Many small business owners were reluctant to switch to solar panels because of the high initial outlay. Since the launch of the FIT scheme, the cost of installation has decreased dramatically, which means business owners will see their solar panels generate returns faster now than at any other point.

There are plenty of subsidies available to those who are looking to install commercial solar panels, because the government wants renewable energy to work for individuals and businesses. This also means the return on investment for solar panel technologies is at a high.

Helping the Environment Helps Your Business

If businesses are looking for sustainable and long-term growth, thinking conscientiously about the environment is crucial. With global temperatures rising, the rising costs of food and energy are going to have a massive impact on how consumers spend their money.

Solar panels have low maintenance cost

Switching to sustainable energy now has a positive impact on the ecosystem, which protects the pockets of consumers of your products for years to come. Decreased outgoings for energy means greater savings, and a show of environmental care can increase your prestige in a crowded market.

The Return on Investment

Solar panels cost very little to maintain once they’re installed, and can last up to thirty years. The estimated savings for residential properties over a twenty-year period is around £9,000, and for commercial properties that figure extends even higher; a small business can look to save £16,000.

No planning permission is required for businesses to install solar panels, saving you time which can save you money. Low installation costs, a decrease in energy outgoings and the generation of a passive income means the ROI of solar panels is higher now than at any other point. Solar energy works wonders for your business and the planet.

6 Simple Ways to Earn More Bitcoins

Buying the Bitcoin may not be a viable option for many investors. In such a situation, there are some alternatives to earning the Bitcoin besides buying it. And the good news is that for most of these alternative means, you actually have to do practically nothing to start earning the crypto coins. Below is a list of the simple ways one can earn the Bitcoin:

  1. To begin with, you can start earning the Bitcoin when you have an account in a cryptocurrency exchange. The best crypto exchanges where you can buy BTC are KuCoin, Binance, and CoinMama etc. This is almost similar to people keeping their funds in bank accounts and getting interests on deposits. Here, you can simply lend out your Bitcoins in exchange for other crypto coins or get Bitcoins in exchange of traditional fiat currencies like the USD or GBP. When you can transfer Bitcoins to a financial service provider, it is possible to earn interest over time.
  2. You can enjoy cash-back in BTC when you shop for something online. For instance, eBay offers buyers a cash-back offer for purchasing from hundreds of sites; they have tie-ups with almost all big retailers. When you install the Chrome Extension and make an account, eBay notifies you when there are discounts on any retailer website. All you have to do is click on this to get your discounts and after each quarter eBay gives you a check. Another popular site offering similar advantages if Lolli which will give you cash back in Bitcoin when you buy from websites like Macy’s or Sephora.
  3. You can accept payments in Bitcoin for services you render. There are many people who are now accepting Bitcoin as salaries for their work. For freelancers like musicians, artists, and writer, this can be a viable option. Examples are Bit wage, Angel’s List, Jobs4Bitcoin, Crypto Jobs, and Crypto Grind etc.
  4. You could also earn Bitcoin through mining. You will need specialized computers capable of solving complex mathematical puzzles to earn rewards. For operating a mining rig on your own, you are going to need dedicated mining hardware, mining software, a wallet etc. Solo mining will not yield profits as desired, and joining a mining pool may give you higher payouts.
  5. Earning Bitcoin is possible through trading and this is by far the simplest way to earn more Bitcoins. You will find multiple trading strategies to trade Bitcoins and traders typically have their own preferred methods for trading. One way is using automated bitcoin trading software applications and here is bitcoin revolution review for understanding how the automated software application works in general. The most commonly used method is leverage trading where traders borrow money for bolstering trading, and these are called crypto loans.
  6. You can also earn more Bitcoins with affiliate marketing; this is the most popular method for news websites, bloggers and social media influencers to make more money. For this companies will give you promotional codes and unique URLs that you must send out to your respective audiences. If anyone clicks on these links and thereafter makes a buy, you get a reward.

Can You Earn Bitcoins Without Mining Or Investing?

Cryptocurrencies may have become the buzzword today but they are still far being adopted by the mainstream. While most people may have heard of the Bitcoin, very few know how actually to earn and use it. The easiest way you can be involved in the cryptocurrency world is by researching on the crypto coins.

The best way to earn Bitcoins may be by buying them on a cryptocurrency exchange in exchange of fiat currencies or other crypto coins. The alternative is to earn Bitcoins through mining. In this, you will need specialized computers capable of solving complex cryptographic puzzles. On solving these, you can get rewards in the form of new Bitcoins. So, the question remains, is there any other way to get Bitcoins apart from investing and mining?

Ways in which you can earn Bitcoins without mining or investing

  1. Crowd holding is a platform aimed at creating a large community of Bitcoin holders through crowd sourcing. In this, startups provide tasks on this platform so that users can offer their feedback to earn tokens as rewards.
  2. You can use your own business to earn Bitcoins by simply stating that you are prepared to accept Bitcoins as payment.
  3. You may earn more Bitcoins by doing certain tasks allotted to you by specific websites. In most cases, you simply have to visit these sites and view their advertisements. This hardly takes up much time or effort, and the sites will pay you in Bitcoins in exchange.
  4. If you own Bitcoins already you can earn more through interest payments. So, you basically lend the Bitcoins to others and you charge an interest on such loans. You may either lend Bitcoins to someone you know directly, or go through any of the trusted P2P platforms.
  5. You can even get tipped in Bitcoins, strange as it may sound. You can start a blog for instance and get rewarded in Bitcoins.
  6. Trading your Bitcoins is definitely one of the best ways to invest and earn more Bitcoins. You can create an account using a reliable CFD provider and then deposit a small amount to begin trading. You can also use automated bitcoin trading applications like bitcoin era to improve the quality of trading.
  7. You could also start working for companies that are willing to pay their workers in Bitcoins. So, you could get a job as a freelancer, like a writer or an artist, and start earning Bitcoins as payment for services rendered.
  8. It is possible to earn Bitcoins through gambling, albeit a rather risk-prone one. So, there are websites where you could gamble and get rewarded in Bitcoins.
  9. Bounty campaigns are incentive-driven rewards that are provided by startups to people. So, when a startup launches a new service or product, it may offer rewards to individuals willing to do certain tasks for them. The participants will get paid in crypto coins for their services. Whether it is writing in social media website, sharing links, or conducting signature campaigns, they will get paid by the businesses. Users can therefore do micro tasking and earn Bitcoins.
  10. Finally, you can start blogging to earn more Bitcoins. Bloggers aim at making money by creating an audience for their write-ups and businesses are keen to market their products to that audience. They will use ads and referral links to reach out to this target audience; there are blogging platforms these days that pay you in crypto for creating content.

Why You Must Check Tata AIG’s Reviews Before Buying Insurance?

Many of us associate our insurance needs with different risk factors. Take the increasing instances of critical illnesses in India. Various life-threatening ailments such as cancer and cardiovascular conditions have grown in prominence in the past few decades, resulting in increased healthcare costs and lower life expectancy. Similarly, the increasing number of cars on Indian roads and lenient traffic rules implies a higher risk of road accidents.

In such circumstances, having some form of financial security is essential. And this is where buying insurance comes into play. Buying insurance, be it health insurance plans, motor insurance or travel insurance, is both necessary and overwhelming. It is because you need to think about various factors such as policy coverage, exclusions, insurance-related jargon and the choice of insurance provider.

Choosing the right insurer is perhaps the most crucial part of your insurance buying journey. Since there are many insurance companies in the market, you may feel confused unless you perform a thorough check of different insurers’ reviews. Tata AIG General Insurance Company is one of the trusted names in the Indian insurance sector and offers a wide variety of insurance products, including health insurance plans, home insurance, and car insurance. The positive reviews given by their loyal customers says a lot about the value of their policies.

Here’s how checking reviews of Tata AIG’s insurance policies can help you out:

1. You Get to Know About Customer’s Experience

Before making a significant purchase decision, you often ask about the experience of your friends or peers. You want to know if the product or service you have chosen is worth the price you will pay for it. The same approach bears fruits while buying insurance policies.

The reviews given to Tata AIG’s health insurance plans, car insurance and other policies tell you more about the experience of other policyholders. You can even find detailed reviews from the customers who have written about the benefits they have received with Tata AIG’s insurance policies. In other words, you get to know more about the real-world instances where insurance benefits from Tata AIG have helped an individual, thus, helping you make the right choice of an insurance plan.

2. You Can Find Out Which Add-ons to Choose

Different types of insurance, including health insurance plans, have add-ons that you can choose to strengthen the policy further. Whenever you buy an insurance policy, you are asked to select add-ons of your choice by paying a small premium amount additionally. You can therefore, choose add-ons that align with your requirements.

Genuine reviews from Tata AIG’s policyholders can help support your research by clearing your doubts about the right combination of add-ons that you must include in your policy. For instance, if you buy Auto Secure Private Car Package Policy from Tata AIG, you can choose the depreciation reimbursement add-on to get a full claim amount without any deduction for depreciation during claims as per policy terms.

3. You Can Verify the Claim Settlement Ratio

While buying an insurance policy, you want to know more about the process of claim settlement followed by your insurer. Along with this, it is crucial that you are aware of the insurer’s claim settlement ratio (CSR), which is essential, the number of claims settled by that insurer in a year.

Many customers write reviews online to shower praises on Tata AIG’s policies for their seamless claim settlement process and high CSR. This way, you can be sure of selecting Tata AIG as your insurance partner.

4. You Can Check the Worth of Premium

Most people include benefits such as insurance coverage, NCB, add-ons and their entire experience with their insurers while writing online reviews. Consumers also describe the premium payable for their insurance plan. The premium of insurance policy varies with the coverage and add-on options that you choose at the time of buying.

Therefore, the customer reviews can help you choose maximum insurance benefits at a nominal cost of the premium. At the same time, you can better assess your premium paying capabilities by thoroughly checking out reviews given by Tata AIG’s customers.

Bottom Line

Tata AIG General Insurance company is a trusted name amongst Indians. Whether you want to buy health insurance plans, car or travel insurance, you can validate the worth of their policies through genuine reviews from the policyholders. Doing this will prevent any hassles about your insurance coverage that may otherwise arise in the long run.