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Different methods of Online Payment

स्वचालित क्लियरिंग हाउस (जिसे चेक, इलेक्ट्रॉनिक भुगतान या एसीएच भुगतान के रूप में भी जाना जाता है) चेकिंग और बचत खातों से जुड़े होते हैं । इनका उपयोग डेबिट और क्रेडिट कार्ड के डिजिटल विकल्प के रूप में किया जा सकता है । एक और उपयोगी विकल्प है Payworld.

एसीएच निकासी का उपयोग ऑनलाइन भुगतान करने के लिए किया जा सकता है, जैसे खरीद और बिल । एसीएच प्रणाली का उपयोग नियमित रूप से अनुसूचित भुगतानों को संसाधित करने के लिए भी किया जाता है । irctc ka agent kaise bane

एसीएच का उपयोग प्रत्यक्ष धन जमा करने के लिए भी किया जा सकता है । हालांकि, इलेक्ट्रॉनिक भुगतान के लिए एसीएच का उपयोग करने के लिए तीन चरण हैं । irctc ka agent kaise bane

टिप्स

एसीएच निकासी एक इलेक्ट्रॉनिक वित्तीय लेनदेन है जो बिलों का भुगतान करने या खरीदारी करने के लिए बैंक खाते से पैसे निकालता है । यह भुगतान ऑनलाइन या फोन द्वारा किया जा सकता है ।

भुगतान की उत्पत्ति के बाद, भुगतान के लिए आदाता को प्रस्तुत किया गया चेक एक तृतीय-पक्ष एसीएच प्रोसेसर को भेजा जाता है, जो लेनदेन को रिकॉर्ड करता है और जानकारी को मूल डिपॉजिटरी वित्तीय संस्थान को अग्रेषित करता है । irctc ka agent kaise bane


भुगतान प्रसंस्करण

भुगतान की उत्पत्ति के बाद, भुगतान के लिए आदाता को प्रस्तुत किया गया चेक एक तृतीय-पक्ष एसीएच प्रोसेसर को भेजा जाता है, जो लेनदेन को रिकॉर्ड करता है और जानकारी को मूल डिपॉजिटरी वित्तीय संस्थान को अग्रेषित करता है ।

ओडीएफआई ग्राहक के खाते में भुगतान की जानकारी भेजता है । इसे प्राप्त डिपॉजिटरी वित्तीय संस्थान के रूप में जाना जाता है ।

आरएफडीआई इलेक्ट्रॉनिक चेक की राशि के लिए ग्राहक के खाते को डेबिट करता है, पुष्टि करता है कि डेबिट सफल था, और बिजली कंपनियों या क्रेडिट कार्ड फर्मों जैसे भुगतानकर्ताओं को प्रसंस्करण चैनलों के माध्यम से भुगतान वापस भेजता है ।

एसीएच कंपनी आमतौर पर बड़े बैचों में एसीएच लेनदेन की प्रक्रिया करती है । ACH कंपनी खींच सकते हैं पैसे एक बैंक खाते से (इस तरह के रूप में यदि आदाता स्वचालित भुगतान सेट करें; इस ACH क्रेडिट), या धक्का पैसे एक खाते से दूसरे करने के लिए (इस तरह के रूप में यदि आदाता शुरू की एक एकल भुगतान; इस ACH डेबिट).

लेनदेन का निपटान

नेशनल ऑटोमेटेड क्लीरिंगहाउस एसोसिएशन एसीएच भुगतान निपटाने के लिए नियम स्थापित करता है । दूसरे शब्दों में, एसीएच लेनदेन उनके निष्कर्ष पर पूरा हो जाता है और उपयुक्त बैंक खातों को डेबिट और क्रेडिट करता है ।

नाचा के अनुसार, भुगतान खाते को अगले कारोबारी दिन के भीतर डेबिट किया जाना चाहिए । दो व्यावसायिक दिनों के भीतर, भुगतान प्राप्तकर्ता को जमा किया जाना चाहिए । खातों को डेबिट या क्रेडिट करते समय एसीएच भुगतान प्रगति पर हो सकता है ।

बीमा कंपनियां अब एजेंटों पर भरोसा करने के बजाय अपने ग्राहकों तक पहुंचने के लिए प्रत्यक्ष विपणन रणनीतियों का उपयोग कर रही हैं । उपभोक्ताओं और बीमा कंपनियों दोनों को प्रत्यक्ष विपणन से फायदे हैं ।

परिभाषा

बीमा में प्रत्यक्ष विपणन में ग्राहकों को आकर्षित करने के लिए रेडियो, टेलीविजन, प्रिंट, वेब और सोशल मीडिया विज्ञापन का उपयोग शामिल है । ग्राहकों को आमतौर पर उद्धरण प्राप्त करने और नीतियों को शुरू करने के लिए कंपनी से संपर्क करने के लिए प्रोत्साहित किया जाता है ।

डायरेक्ट मेल

मेलिंग का उपयोग अक्सर बीमा कंपनियों द्वारा उनके प्रत्यक्ष विपणन अभियानों के हिस्से के रूप में किया जाता है । भावी ग्राहकों को पोस्टकार्ड और पत्र प्राप्त करके कंपनी से संपर्क करने के लिए प्रोत्साहित किया जाता है ।

विपणन दक्षता

प्रत्यक्ष विपणन एक बीमा कंपनी को इस बात पर अधिक नियंत्रण रखने की अनुमति देता है कि वह संभावित ग्राहकों को अपने संदेश का संचार कैसे करती है । प्रत्यक्ष विपणन कंपनियों को पैमाने की अर्थव्यवस्थाओं के माध्यम से पैसे बचाने की अनुमति देता है ।

सुविधा

ग्राहकों के पास फोन या इंटरनेट के माध्यम से बीमा कंपनियों के साथ काम करने का विकल्प होता है । ग्राहक अक्सर अपने घरों या कार्यालय को छोड़ने के बिना ऑनलाइन उद्धरण और कवरेज प्राप्त कर सकते हैं ।

बचाओ!

प्रत्यक्ष विज्ञापन बीमा कंपनियों के पैसे बचाता है और उन्हें कम प्रीमियम के माध्यम से अपने ग्राहकों को उन बचत पर पारित करने की अनुमति देता है ।

जब आपके बिल का भुगतान करने की बात आती है तो कई विकल्प उपलब्ध हैं । कुछ नकद के साथ भुगतान करना पसंद करते हैं जबकि अन्य इलेक्ट्रॉनिक भुगतान प्रणाली पसंद करते हैं ।

दोनों तरीकों के अपने फायदे हैं । यह समझना कि वे कैसे काम करते हैं, उपभोक्ताओं को अनावश्यक जोखिमों से बचने में मदद कर सकते हैं ।

वितरण

भुगतान की डिलीवरी इलेक्ट्रॉनिक भुगतान प्रणाली और नकदी के बीच मुख्य अंतर है । यदि आप नकद द्वारा भुगतान करते हैं तो आपके भुगतान की डिलीवरी अधिक कठिन हो सकती है ।

यह आप पर निर्भर है कि कैसे शारीरिक रूप से व्यापार, या किसी अन्य पार्टी के लिए नकदी हस्तांतरण करने के लिए निर्धारित करने के लिए । आप स्वचालित क्लियरिंग हाउस या वित्तीय संस्थान द्वारा उपयोग किए जाने वाले किसी अन्य नेटवर्क के माध्यम से धन हस्तांतरित करने के लिए इलेक्ट्रॉनिक भुगतान विधियों का उपयोग कर सकते हैं ।

सुरक्षा

इन भुगतान विधियों की सुरक्षा के बारे में पता होना एक और मुद्दा है । कैश सुरक्षित नहीं है । यदि भुगतान करने की प्रक्रिया के दौरान नकदी चोरी हो जाती है या खो जाती है तो आपके पास कोई सहारा नहीं है ।

आप डेबिट कार्ड या क्रेडिट कार्ड से किए गए इलेक्ट्रॉनिक भुगतान को रोक या उलट सकते हैं । आप कार्ड को रद्द कर सकते हैं और चोरी होने या खो जाने पर एक नया प्राप्त कर सकते हैं । दोनों प्रकार के कार्डों की सीमित देयता होती है ।

इलेक्ट्रॉनिक ट्रैकिंग

जिस तरह से भुगतान को ट्रैक किया जाता है वह इलेक्ट्रॉनिक और नकद विधियों के बीच एक और अंतर है । आप रिकॉर्ड रखकर अपने द्वारा किए गए इलेक्ट्रॉनिक भुगतान को ट्रैक कर सकते हैं ।

यदि आप नकद से भुगतान करते हैं तो कोई रसीद स्वचालित रूप से उत्पन्न नहीं होगी । यदि आप भुगतान करने के लिए नकदी का उपयोग करते हैं तो आप व्यापारी से रसीद का अनुरोध कर सकते हैं । हालांकि, यह इलेक्ट्रॉनिक भुगतान के रूप में स्वचालित नहीं है । इलेक्ट्रॉनिक भुगतान प्रणाली पेपर ट्रेल को और भी स्पष्ट करती है ।

सुविधा

आपको इलेक्ट्रॉनिक या नकद द्वारा भुगतान करने की सुविधा पर विचार करना चाहिए ।

जब आप नकद भुगतान करते हैं तो आपको नियमित अंतराल पर नकदी प्राप्त करने के मुद्दे का प्रबंधन करना होगा । एक इलेक्ट्रॉनिक भुगतान प्रणाली आपको नकद पहुंच की चिंता किए बिना नियमित भुगतान करने की अनुमति देती है ।

Automated Clearing House (also referred to as checks, electronic payments, or ACH payments) are linked to checking and savings accounts. They can be used as a digital alternative to debit and credit cards. Another useful alternative is Payworld.

ACH withdrawals can be used to make payments online, such as purchases and bills. The ACH system is also used to process regularly scheduled payments.

ACH can also be used to deposit direct funds. However, there are three phases to using ACH for electronic payments.

Tips

An ACH withdrawal is an electronic financial transaction that withdraws money from a bank account to pay bills or make purchases. This payment can be made online or by phone.

Origination of the Payment

The Payment Processing

After the payment has been originated, the check that was submitted to the payee for payment is sent to a third-party ACH processor, which records the transactions and forwards the information to the Originating Depository Financial Institution.

The ODFI sends payment information to the customer's account. This is known as the Receiving Depository Financial Institution.

The RFDI debits customer's account for the amount of the electronic check, confirms that the debit was successful, and sends payment back through processing channels to payees such as electric companies or credit card firms.

The ACH company usually processes ACH transactions in large batches. The ACH company can pull money from a bank account (such as if the payee has automated payments set up; this ACH credit), or push money from one account to another (such as if the payee initiates a single payment; this ACH debit).

Settlement of the Transaction

The National Automated Clearinghouse Association establishes the rules for settling ACH payments. In other words, ACH transactions are completed to their conclusion and debit and credit the appropriate bank accounts.

According to the NACHA, the payment account must be debited within the next business day. Within two business days, payment must be credited to the recipient. The ACH payment may be in progress while the accounts are debited or credited.

Insurance companies are now using direct marketing strategies to reach their customers instead of relying on agents. Both consumers and insurance companies have advantages from direct marketing.

Definition

Direct marketing in insurance involves the use of radio, television, print, web, and social media advertising to draw customers. Customers are usually encouraged to contact the company to get quotes and to start policies.

Direct mail

Mailings are often used by insurance companies as part of their direct marketing campaigns. Prospective customers are encouraged to contact the company by receiving postcards and letters.

Marketing Efficiency

Direct marketing allows an insurance company to have greater control over how it communicates its message to potential customers. Direct marketing allows companies to save money through economies of scale.

Convenience

Customers have the option to work with insurance companies via phone or the internet. Customers can often get quotes and coverage online without ever leaving their homes or office.

Save!

Direct advertising saves insurance companies money and allows them to pass on those savings to their customers through lower premiums.

There are many options available when it comes to paying your bill. Some prefer to pay with cash while others prefer electronic payment systems.

Both methods have their advantages. Understanding how they work can help consumers avoid unnecessary risks.

Delivery

The delivery of the payment is one of the main differences between electronic payments systems and cash. The delivery of your payment may be more difficult if you pay by cash.

It is up to you to determine how to physically transfer the cash to the business, or another party. You can use electronic payment methods to transfer the money through the Automated Clearing House or another network used by the financial institution.

Safety

Another issue to be aware of is the safety of these payment methods. Cash is not safe. You have no recourse if the cash is stolen or lost during the process of making payments.

You can stop or reverse an electronic payment made with a debit card or credit card. You can cancel the card and get a new one if it is stolen or lost. Both types of cards have limited liability.

Electronic tracking

The way that payments are tracked is another difference between electronic and cash methods. You can track the electronic payment you make by keeping a record.

No receipt will be automatically generated if you pay with cash. You can request a receipt from the merchant if you use cash to pay. However, it is not as automatic as electronic payments. Electronic payment systems make the paper trail even more evident.

Convenience

You must consider the convenience of making payments by electronic or cash.

You have to manage the issue of getting cash at regular intervals when you pay cash. An electronic payment system allows you to make regular payments without having to worry about cash access.
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Although the CBD industry is quite lucrative, there are several hurdles to crossfor those looking for marijuana business banking. While CBD may be legal in several states, banks rarely want to get involved with CBD businesses due to the grey area between federal and state laws. Hence, when it comes to marijuana credit card processing services, the options arelimited. What Options Do You Have? Although you may not be lacking customers, they may have no choice but to pay in cash. Often, you may not want to delve into the complicated process of understanding marijuana related business banking and opt for hassle-free cash transactions. While it may seem easy on the surface, cash transactions are not your best option. This widely used and direct payment option has some limitations. As a business owner, you need to know how different payment methods can benefit your business. Why Is Cash Not Good Enough? If you can only accept cash, you'll be limiting the number of customers you can attract, given that most people prefer cashless transactions. Additionally, your ability to upsell your products is greatly limited as people are limited to the cash they have on hand. Hence, marijuana business banking is essential to ensure that you do not rely on cash for your business. There's a reason why the world has largely moved on from cash-only transactions. Physical cash presents security challenges and leaves room for inaccuracies as well. When you're racing to close the doors at the end of the day, you may have to spend considerable time trying to count and re-count your cash to account for any discrepancies. Physical cash is a significant security concern. You have to be alert while you're in the store and when you have to go to the bank and deposit the cash. You can't wait until the end of the month to deposit your cash, making it even riskier. Are Credit Cards Your Best Bet? Are cash-only transactions seeming unattractive? But what else can you opt for? Credit cards, of course. Most people are used to card transactions, making it easier for them to understand. Secure credit card processing for CBD businesses, thus, is the need of the hour. Credit cards are easy to use, ensure that the amount is credited to your account right away, and reduce security risk considerably. There is no hassle of frequent trips to the bank, and you can complete transactions within minutes. Not only that, but you can also ensure that your customers can buy all that they need and aren't limited to a few options. Being the most common payment option for most adults, it is difficult when the cannabis business has to deny credit cards as a payment method. Unfortunately, this is the reality, as most credit card processing services do not want to get involved with CBD businesses. Payment processing options for CBD businesses seem to be limited, even in states where it is perfectly legal. However, finding reliablemarijuana credit card processing services is not impossible. With some research, you can enjoy the seamless transactional benefits of running a business as well.
ODSZKODOWANIE OD SKARBU PAŃSTWA.
Według artykułu 417 § 1 Kodeksu cywilnego, szkoda wyrządzona przez działanie niezgodne z prawem albo poprzez zaniechanie przy wykonaniu władzy publicznej, wiąże się z odpowiedzialnością odszkodowawczą ze strony Skarbu Państwa. Oprócz tego nie mogą być to działania prowadzące do całkowitego zakazu działalności gospodarczej. Według doktryny „istota prawa lub wolności zostaje naruszona, gdy regulacje prawne – nie znosząc danego prawa (lub wolności) – w praktyce uniemożliwiają korzystanie z niego.” Czyli podczas gdy Konstytucja umożliwia jedynie ograniczenie prowadzenia działalności, to wprowadzenie zakazu prowadzenia jej przez określony czas stanowi poniekąd wywłaszczenie z tego prawa. W artykule 21 ust. 2 Konstytucji wywłaszczenie stanowi przyczynę do spełnienia obowiązku odszkodowawczego ze strony Skarbu Państwa. Jest to spowodowane m.in. niewprowadzeniem przez rząd stanu klęski żywiołowej. Straty majątkowe właścicieli firm mogą więc podlegać roszczeniu, o czym mówi ustawa o wyrównaniu strat majątkowych wynikających z ograniczenia w czasie stanu nadzwyczajnego wolności i praw człowieka i obywatela. Podsumowując, takie działanie stanowi zaniechanie legislacyjne. Zgodnie z art. 417 § 4, gdy szkoda jest spowodowana przez niewydanie aktu normatywnego (do czego zobowiązują przepisy), to właśnie sąd rozpoznający sprawę stwierdza, że niewydanie takiego aktu jest niezgodne z prawem. Za to w orzecznictwie uzasadnieniem odpowiedzialności odszkodowawczej państwa w takiej sprawie są następujące przesłanki: 1. istnienie przepisu prawa przewidującego takie wymaganie, 2. niewydanie aktu normatywnego mimo istniejącego obowiązku, który wynika z tego przepisu prawa, a także 3. stwierdzenie, że niewydanie tego aktu jest niezgodne z prawem. Istnieje duże prawdopodobieństwo, że niedługo pojawią się liczne pozwy zbiorowe, głównie od przedsiębiorców z branży hotelarskiej i fitness. Oczywiście będzie to uzasadnione, biorąc pod uwagę, że do dziś nie został wprowadzony stan nadzwyczajny. Dlatego wszelkie ograniczenia związane z zamknięciem działalności gospodarczej nie są zgodne z Konstytucją – tak samo, jak obowiązek zakrywania nosa i ust. Nie bez powodu obserwujemy rosnące niezadowolenie ze strony obywateli. Lockdown prowadzi nie tylko do ogromnych strat dla osób prowadzących działalność gospodarczą, ale również do nakładania absurdalnych kar finansowych. Zarówno w przypadku fryzjera otrzymującego karę w wysokości 10 000 zł, jak i grzywny 5 000 zł dla osoby niemającej na twarzy maseczki ochronnej, kwoty nie były adekwatne do skali popełnionych czynów. Rezultatem takich działań rządu mogą być zbiorowe pozwy przeciwko Skarbowi Państwa. Pozostaje jednak obserwować sytuację, m.in. śledząc pojawiające się orzeczenia dotyczące przepisów epidemicznych i ich niezgodności z Konstytucją. Source URL : https://www.mk-finanse.pl/blog/odszkodowania/704-odszkodowanie-od-skarbu-panstwa.html
What is Financial Planning with Robert Snow of Morgan Stanley
Robert Snow (CRD#: 3203253), a registered representative with Morgan Stanley in Houston, Texas assists in explaining how Working with a financial planner can help you build and protect your assets, and help you achieve your financial goals. In this article, we will discuss the basics of financial planning. What is “financial planning”? You’ll hear that phrase on TV, in magazines, and lots of other places, but often, it seems like nothing more than someone telling you what you need to do to retire. It’s not that simple. Financial planning is like any other form of planning; it’s a system that’s made up of stages. Where are you? The first step is to figure out where you are now. A financial planner will look at your current financial situation and put together a complete picture of your financial health. ● Income ● Debt ● Assets ● Investments A complete look at your current situation is the starting point of any plan. Where do you want to be? The next step is to understand where you want to be. This might mean retirement or it can be the fulfillment of dreams. If you’re looking to retire, you might consider where you’re going to live, what it will cost, and how you’ll afford it. Perhaps you want to own a boat, have a vacation home, or travel the world. Whatever you want to do becomes the financial goals that your financial planner will look at. Important note: Now is the time to put your dreams on the table. If you want to own a taco stand on a beach in Southern California, tell your financial adviser. If your goal is to be able to go scuba diving in Belize, that needs to be said too. How are you going to get there? This is where your advisor takes over. She will let you know what your options are, how much you need to save, and what you need to do achieve your goals. If the plan is you’ll have a big nest egg in investments, she’ll start to guide that plan and help you find investments that meet your needs and your risk tolerance. (Risk tolerance is exactly what it sounds like; it’s the amount you’re willing to take chances with your investments. Your risk tolerance tends to go down as you age.) There are a number of things that your financial adviser will help you figure out: ● Budgets - We’ve all tried, and most have failed, to maintain a budget. With the help of your financial adviser, you’ll find a budget that works for you and will help you get to your ultimate goals. ● Retirement planning - This is at the heart of what everyone thinks of as financial planning. Your adviser will look at your 401ks, IRAs, stocks, bonds, and any other investment you have. They can then advise how those things can be modified or enhanced to help you get even more from your retirement. ● Investments - Is investment real estate right for you? This is also part of the conversation that you'll have with your financial adviser. You can explore the pros and cons of different types of material investments. ● Estate planning - Part of a solid financial plan is how your estate should be handled. You don’t want all of your hard work to be wrapped up for years in probate being squandered for legal fees. Your financial strategist will help you formulate a plan that will keep the taxes low for your heirs and smooth the transition upon your passing. ● Employee benefits - Every job has benefits that can be leveraged to make you more money, but not all of them are created equal. A financial planner will look at what’s available and tell you how to get the most from your efforts. Financial Adviser or Financial Planner While the terms are used interchangeably, there is one important distinction: a financial planner can be certified and that makes them a professional. A financial adviser can be the bank manager who gives you advice on CD rates or a stockbroker that tells you which stocks to buy. Anyone can be a “financial planner.” It’s a name they can just give themselves. A certified financial planner is someone that has met the right education and experience criteria to be called a financial planner. They have to pass tests and be accepted into a financial planner certification group. Financial Planning is Vital In today’s world of evaporating pensions, uncertain government retirement plans, and fast-moving markets, getting the right advice at the right time can mean that you’re living well or just living. See a certified financial planner who gets your economic life on solid ground. About Rob Snow Rob Snow (CRD#: 3203253), a registered representative with Morgan Stanley in Houston, Texas. Rob has helped his clients to achieve their financial goals by investing effectively. Robert Snow is a business graduate from the University of Houston who found his passion in the finance industry. Using over 20 years of experience Rob Snow ensures to provide effective results of people’s hard-earned money. He is the senior vice president of the cornerstone financial group located in Houston, Texas. Morgan Stanley has 16,000 financial advisors in all 50 states. Throughout his work life, Rob Snow has maintained a disciplined way of investing as he focuses on long-term financial goals. He has been through some of the major shifts happening in the global financial market. The whole knowledge and expertise have resulted to build and protect high net worth individuals. Robert’s main rule is his time-tested way of doing business. Morgan Stanley’s true foundation is its guarantee of sound investments made through professional research. Robert Snow top services include: Financial planning Financial advisors can help you determine an asset allocation strategy to help you reach your goals, then put those strategies in place. The Financial Advisor can also work with your tax and legal advisors to help create a personalized plan that helps minimize your taxes, incorporates estate and philanthropic goals and covers your future health-care needs. Retirement planning Financial advisors specialize in serving certain types of clients. When choosing a financial advisor, it’s important to keep in mind whether you’re looking for someone to help you get ready for retirement or protect your wealth. Wealth management Morgan Stanley has an exceptionally large team of 16,000 wealth management representatives. However, Morgan Stanley makes it easy to sift through its thousands of advisors to find the right fit for you. Find an advisor Municipal bonds For most municipal bonds, high yield and tax-efficient equity accounts, as well as financial planning services, there’s a $250,000 minimum for Morgan Stanley’s Fiduciary Services program. 401 (k) rollover When you rollover your 401(k) to an IRA, you may want to consider Morgan Stanley Access Investing, where you can choose retirement as your goal and set an expected time frame until you retire. Robert’s way of working includes detailed research according to your given portfolio as his expertise is not only to assist in investments but to increase your net worth as well. Not only he is the financial advisor but he also assists people in raising their capitals by offering mergers as well. According to the current global market, Morgan Stanley has presented its new proposal for sustainable investing as well. Robert Snow’s time tested approaches and inclusive innovation sustainable investing is the future boom for many investors. Even people tend to support such investments that can help the environment too. With their sustainable investing, Robert Snow’s goal is to reduce 50 million metric tons of plastic waste from water and land till 2030
Top 5 tiêu chí đánh giá sàn forex uy tín
Forex hiện đang là thị trường đầu tư của hàng triệu người trên khắp thế giới. Cũng vì thế mà hàng ngàn sàn giao dịch lớn nhỏ ra đời để đáp ứng nhu cầu của người tham gia. Việc lựa chọn một sàn uy tín, chất lượng thật không đơn giản chút nào, đặc biệt là với những người mới tham gia. Sau đây, là những tiêu chí sẽ giúp bạn lựa chọn được sàn giao dịch phù hợp. 1. Độ uy tín của sàn Hiện nay, tồn tại rất nhiều sàn forex lừa đảo người dùng, tự quảng cáo mình là tốt. Nhà đầu tư cần phải thông minh, tự mình tìm kiếm thông tin về sàn đó để đánh giá độ uy tín của sàn. Cách tốt nhất để đánh giá một sàn có đáng tin tưởng hay không chính là dựa vào các loại giấy phép và chứng chỉ mà sàn đó có được. Ở những quốc gia mà sàn forex đặt trụ sở, đều có các cơ quan quản lý tài chính kiểm soát. Mọi thông tin đều minh bạch trên website của các tổ chức này. Bạn có thể truy cập vào trực tiếp những trang này để tra cứu thông tin. Độ uy tín của cơ quan cấp phép cũng rất quan trọng. Không phải sàn nào được cấp phép từ nhà nước cũng là sàn tốt đâu nhé. Các sàn môi giới nhận được sự tin tưởng cao nhất hiện nay chủ yếu đến từ Mỹ, Anh và Úc. Bạn có thể truy cập website toptradingforex.com để tra cứu thông tin các sàn. Đây là trang tin tức đầu tư tài chính luôn chia sẻ và cập nhật tin tức tài chính, phân tích thị trường forex, cổ phiếu, vàng, tiền điện tử, giúp độc giả đánh giá và lựa chọn dịch vụ giao dịch uy tín nhất. Mọi thông tin về các sàn giao dịch cùng đánh giá độ uy tín được cập nhật đầy đủ. Website thuộc sở hữu của công ty TNHH TMM. Thông tin công ty: Tên Công Ty: CÔNG TY TNHH TMM Địa chỉ: Số 33, đường số 12, Cityland Park Hill, Phường 10, Quận Gò Vấp, TP.HCM, Việt Nam Điện Thoại: 0963915945 Email: tmm.toptradingforex@gmail.com Website: toptradingforex.com 2. Phí giao dịch Phí giao dịch là yếu tố mà hầu hết mọi người đều quan tâm khi lựa chọn sàn forex. Chi phí giao dịch bao gồm: Spread, Commission và Swap. Nhiều người thường phạm sai lầm là chỉ quan tâm đến Spread mà bỏ qua 2 phí còn lại, dẫn đến việc tổng phí phát sinh giao dịch rất cao. Đừng quên là phải tính tổng phí, chứ đừng chỉ chăm chăm vào Spread thôi nhé. 3. Nạp và rút tiền Các sàn giao dịch uy tín cho phép nhà đầu tư nạp rút tiền dễ dàng và nhanh chóng. Trong khi đó, các sàn lừa đảo thường tìm cách gây khó khăn để ngăn nhà đầu tư rút tiền. Họ thường đưa ra các điều kiện khắt khe trong chính sách hoặc viện cớ là lỗi kỹ thuật. Phí nạp và rút tiền vào các sàn forex là rất thấp, thậm chí nhiều sàn còn miễn phí. Mức phí nạp rút thường không phải là yếu tố quan trọng khi chọn sàn. 4. Nền tảng giao dịch Nền tảng giao dịch ảnh hưởng không nhỏ đến hoạt động mua bán của nhà đầu tư. Giao diện web và ứng dụng phải dễ hoạt động và thao tác. Các công cụ phân tích kỹ thuật, biểu đồ giá phải đầy đủ cho nhu cầu của người dùng. Đặc biệt, hệ thống phải hoạt động trơn tru, ổn định và không bị giật lag. Bạn nên kiểm tra hệ thống của sàn có thường xuyên bị lỗi requote hay không. Các sàn lừa đảo thường tận dụng lỗi này để thu lợi nhuận bất chính từ việc canh thời điểm mua bán có lợi cho mình. Sàn thường việc lý do là lỗi hệ thống. 5. Chăm sóc và hỗ trợ khách hàng Hệ thống không phải lúc nào cũng hoạt động ổn định. Kể cả với những sàn lớn nhất. Vì thế, chất lượng dịch vụ hỗ trợ là rất quan trọng. Dịch vụ tốt sẽ giúp nhà đầu tư giải quyết nhanh chóng rắc rối phát sinh, hạn chế rủi ro mất tiền hay bỏ lỡ cơ hội. 6. Gợi ý một số sàn uy tín Nếu bạn vẫn còn chưa quyết định được sẽ chọn sàn nào để bắt đầu giao dịch. Hãy để chúng tôi giúp bạn với gợi ý các sàn sau đây: Exness, XM, XTB, FBS, ICMarket, Hotforex, FXTM, Liteforex, NordFX, OctaFX. Bạn có thể truy cập link https://toptradingforex.com/thong-tin-ve-san-giao-dich-forex-cho-nguoi-moi-bat-dau/ để xem thêm. Tất cả thông tin về sàn lẫn ưu nhược điểm đều được tổng hợp đầy đủ, giúp bạn dễ dàng chọn được sàn phù hợp với mong muốn. Trên đây là 5 tiêu chí giúp bạn chọn sàn forex phù hợp. Chúc bạn tìm được sàn giao dịch như ý.
Personal Loan App & Instant Cash Loan - SimplyCash
Loan Amount: ₹50,000 - ₹1,50,000 Tenure (Repayment Period): Min. 6 months – max. 24 months Interest Rate: (APR) Maximum rate of interest 25% per year Processing Fee: 2.5% of loan amount + taxes as applicable SimplyCash, powered by Hero FinCorp, is an online personal loan app that will help you with an instant personal loan in just 3 simple steps. Get an Instant Cash Loan up to ₹1.5 Lakh disbursed directly into your bank account with our super affordable personal loan interest rates. How SimplyCash differs from other Personal Loan Applications? • Powered by one of the fastest-growing financial services company – Hero FinCorp • Part of one of the most trusted business houses of the country – Hero MotoCorp Group • Instant personal loan anytime • Completely digitized loan process • Real-time approval of your loan application • Quick response to customer queries • KYC process takes a few seconds to complete Types of Loan ⭐️Personal Loan ⭐️Instant Cash Loan or Small Loan ⭐️Emergency or Urgent Loan ⭐️Education Loan ⭐️Marriage Loan ⭐️Mobile Loan ⭐️Travel Loan Key Features ⭐️App-based lending ⭐️Easy sign-up, login & application process ⭐️EMI Calculator ⭐️Hassle-free & Quick disbursal in few hours ⭐️Get funds directly to your bank account ⭐️No physical documentation required ⭐️Customise your loan amount & EMI ⭐️Collateral free or unsecured loan ⭐️Get personal loans up to ₹1,50,000 Benefits & Risks Financial crisis and emergencies are unpredictable. Ensure you keep a loan app handy for online application of instant loans. Get an instant loan up to ₹1.5 Lakh (depending on your credit score) disbursed into your bank account. Documents required for an instant personal loan: No physical document required! How does it work? The entire personal loan application through SimplyCash is app-based. From signing up to loan disbursement, everything in just a few steps. Step 1 – Install the app from ‘Play Store’ Step 2 – Choose a loan amount (up to ₹1.5 Lakh) & preferred EMI Step 3 – Enter your basic details such as Name, Income, Purpose of loan & PAN Card number Step 4 – Complete your KYC process Step 5 – Input your Bank Account details Step 6 – Real-time approval of the loan Step 7 – Digitally sign e-Mandate and Loan agreement Step 8 – Amount credited to your account Representative Example For instance, you borrowed a personal loan of ₹1,00,000 for 12 months at the interest rate of 25% per annum you would pay: Total payable interest - ₹14,060 Total payable amount - (Loan + Total Payable Interest + Process fee) = ₹1,16, 560 (excluding GST) EMI - ₹9,505 (excluding process fee + GST) SimplyCash enables you to: ⭐️Buy a new gadget you have been dreaming for a long time ⭐️Unwind at an exotic location with your family or friends ⭐️Manage your wedding expenses ⭐️Get new furniture for your home ⭐️Meet any other emergency expenses Who can apply? • Salaried employees with or without any credit history • Self-employed with a credit history
Can I extend the tenure of EMIs after taking a cash loan?
In the digital era, small cash loans can be availed instantly online. Numerous financial institutions and NBFCs have created official websites and cash loan apps for immediate approval and disbursal. With instant cash loans or personal loans, you can get customized loan mount & tenure with the help of a personal loan EMI calculator. Extending the EMI tenure after taking a cash loan is not always possible as the loan application is set based on the given format in the loan app. So, take your time before you choose the tenure to make repayments. Personal loan EMIs and EMI calculator? A personal loan being an unsecured loan does not need any collateral and is approved with minimal documentation. A personal loan EMI is an equated monthly installment that is payable every month. It is a pre-decided loan feature used to pay off the principal amount and the personal loan interest until the loan is fully paid. With the demand for instant personal loans, user-friendly loan apps have been created with smart in-built features. One of them being a loan EMI calculator that enables borrowers to calculate EMIs in advance, based on the principal loan amount and tenure. However, a borrower's interest lies in the EMIs and the interest rate charged by the lender. This advanced insight into EMIs helps borrowers in easy decision-making to proceed with loans and also supports budget planning. EMI calculator is a financial tool, designed to help you plan and manage your loan account efficiently. With the innovation of the EMI calculator, the calculation has become accurate and straightforward, even if you are not a math genius. The loan EMI calculator makes a precise calculation with the in-built formula. The mathematical formula to calculate EMI is: EMI=PxRxN (1+r) n-1) where P = principal loan amount, r = interest rate, n = tenure in number of months. The higher the loan amount or interest rate, the higher the EMI payments and vice versa. The EMI can be low or high based on your tenure. Significance of loan tenure Loan tenure means the duration for which the loan amount is approved and disbursed. Loan tenure is a very significant aspect to consider while availing of a loan. Before taking a loan, choose a suitable loan tenure that suits your budget and manage loan repayment smoothly. You can benefit from loans like personal, car, education loan, and gold loans on a restricted tenure from 1 - 5 years. Unsecured loans have shorter tenure than a home loan and can be repaid easily with shorter EMIs within the given tenure. While deciding on the tenure for a personal loan, consider the following aspects: Loan amount – Borrowers have the freedom to select the loan amount and repayment tenure. The repayment capacity varies from person to person. Hence do not acquire very bulky loan amounts that pose EMIs as a burden to repay. Calculate your EMI – Factors like interest rate, EMI, and loan amount significantly influence each other. Usually, the higher the interest rate, the higher will be the EMI amount. But with the help of a loan EMI calculator, you can calculate accurate EMIs and repayment tenure to plan the payment of EMIs on time. Decide your monthly expenses – You should evaluate and assess your monthly income and budget against the repayment tenure. For example, if your monthly expenditure takes about 70 - 80% of your income, you can opt for longer repayment tenure with lesser EMIs. Also, ensure to clear your existing financial liabilities to be able to cope with the new monthly EMIs. Possibility of Loan Tenure Extension Based on Lender to Lender Extending your loan tenure varies from lender to lender. Not every financial institution agrees to it. However, based on your creditworthiness, loan repayment track, there is a possibility that a couple of lenders decide to extend the personal loan tenure, even after approving a cash loan. In pandemic times, there is an imbalance of people paying EMIs on time to those who are willing to stretch the loan tenure due to an underlying financial crunch. Lenders who agree to stretch the loan tenure have to restructure and revise the loan agreement.