January 2022


Home loan protection plans are a form of insurance policy that provides cover for home loan payments if the insured person is unable to work because of illness or an accident. The benefits are paid directly by the insurer to the mortgage lender, reducing the borrower’s pressure.

The following are things you should know about a home loan protection plan:

1)         Most insurance companies usually provide this for a low monthly premium. So you should ideally take at least five years before taking a home loan so that the insurer can process everything on time. You should know that home loan protection plans are not insurance. It is just a form of credit enhancement where the insurer pays your monthly mortgage payments if you cannot work for any reason. So it helps in reducing the pressure on the borrower.

2)         In case you take a home loan protection plan, then the lender should not charge any pre-payment penalty from you for paying off your home loan before maturity. Also, you won’t be able to take a home loan protection plan when you already have an existing life cover or any other insurance policy in place. You need to cancel these and then only take home loan protection plans.

3)It is best to take the coverage for at least 10-15 years, giving you enough time before taking another one. You should know that it takes about nine months once you decide to take home loan protection insurance and start paying premiums. Also, depending on who the insurer is, you may be allowed to take home loan protection insurance even if you are self-employed. So this will help in reducing your expenses because there is no need for paying premiums to an employer.

4)         You should also know that most insurance companies ask you to take a mandatory health check-up before selling this product. Also, most home loan protection plans cover only a specific number of years if you suffer from an illness or an accident. So it becomes difficult to continue paying the premium once you are out of this benefit period as the cost goes up compared to when you first started paying for this policy.

5)         You should also know that insurance companies do not provide any joint coverage for this product, which means that the policy covers only one person, and it cannot be transferred to someone else after your death. It would be best to consider this before buying home loan protection insurance.

6)         After paying premiums for a few months, you may be offered to convert your home loan protection plan into an endowment policy that will help you invest and save for your future. You should also know that it is best to include your spouse as the nominee on the home loan protection plan so that in case of an unfortunate accident or death, your family will not have problems paying off the dues on time.

7)         Depending on the insurer, you may be allowed to change the frequency of premium payments according to your need. You should also know that most insurance companies do not cover the cost of repairing your home in a natural disaster such as an earthquake. If you are an active-duty military member or veteran who has met the length of service requirements, you likely qualify for VA loan requirements.

8)         Your credit score should always be good for you to be eligible to take home loan protection insurance, but that is not the end of it. You also need to have a steady source of income that will ensure your repayment capabilities. So work out all these factors before taking up any home loan protection plan.

9)         Last but not least, you should know that the paid-up value is only half of the original sum insured in most cases. So, you have to consider this before taking a home loan protection plan. Again, you should also know that insurance companies consider the borrower’s age, and only those above 40 years can take this policy for themselves without any spousal involvement.

In conclusion, Home loan protection plans are a form of insurance policy that provides cover for home loan payments if the insured person cannot work because of illness or an accident.

Hey car lovers, are you planning to take out a car loan? If so, it’s important you know what to look for before signing on the dotted line. After all, with high-interest rates and hidden costs, they can be more expensive than ever before. So follow our guide to not getting caught out by these costly traps…

What’s the APR?

Interest rates on car loans can vary dramatically – from 3% to about 18%. And while a low-interest deal might seem attractive, it may still be more expensive than you think. For instance, a loan with a rate of 10% over four years will have you paying twice as much in interest compared to one with a 5% APR over eight years.

So make sure you can afford repayments, and opt for a loan where the interest rate is lower than your credit cards. Check out Driva car loan options to assess a range of car finance options.

What’s included in the fees?

Car loans typically come with some form of arrangement fee, which will be charged as a percentage of the loan. But it’s important you know what this covers to make sure you’re not being stung with any hidden extras. For example, most loans don’t require the same security as a mortgage, so if you’ve been asked for a large deposit – it may be because the lender is trying to cover other fees.

Will I have to pay anything else?

Car loans can be paid back on a monthly, quarterly or six-monthly basis – and the way your repayment is structured might make a difference. For example, some lenders will let you repay more quickly to reduce the overall cost of borrowing – but expect them to charge an early repayment fee if you break the terms of the loan.

So if you’re confident you can pay back within a few months – check whether it’s cheaper to do so and avoid paying fees.

How long is the term?

The longer your car loan, the more it’ll cost – and generally speaking, the later in life you are, the more likely you are to be offered a short-term deal.

However, shorter loans can mean bigger monthly repayments – so it’s important you do the maths first, especially if you’ve got other commitments on top of repayments (like rent or bills).

Do you want to pay a deposit?

The deposit you pay upfront affects how much interest you’ll pay over the lifetime of the loan. This means a larger deposit will reduce costs, but it can be hard to find a lender who’ll let you borrow money with nothing in advance.

So think about how big a deposit you can afford, and shop around for a car loan that suits your needs best. And remember not to borrow more than you can afford.

What will my monthly repayments be?

It’s important you know how much you need to pay each month when applying for a car loan. These payments won’t include interest, so if unsure ask the lender to break down how much it’ll cost over the duration of the loan.

If you’re struggling to afford monthly repayments, it might be worth considering extending the length of your loan. However, this will usually mean a higher overall cost too.

Only 32% of employees are happy with their work, which shows business owners must find ways to increase their team’s satisfaction.

Most companies use employee incentive programs to motivate their employees and keep them engaged in the workplace. As you brainstorm options, it’s important to consider your team’s needs and what they want to see from your business. Perhaps you’re currently struggling to choose between options, and you’re looking for inspiration.

Sounds like you? Don’t worry; you’ve come to the right place. Here are the best employee incentive programs for every industry.

Salary Incentives

One of the top employee incentive ideas includes boosting your team’s salary. Not only does this attract new hires, but offering a decent paycheck encourages employees to stay loyal to their business and not seek new pastures. If this interests you, then offer vouchers, tips, or a raise once a team member has stayed in their position for a specific period.

Retirement Benefits

Another tip for retaining employees is offering your team retirement benefits if you don’t already. Many businesses match their team’s retirement contributions, which helps grow the fund. A major benefit is employees will be motivated to work hard because they know you’re investing in their future.

Tax Incentives

If you’re looking for employee incentives examples, then focus on giving your team tax benefits. For instance, offering to hire individuals full-time as it makes them eligible to pay less tax.

Interested? Then check out for more information on the topic.

Free Online Development Courses

Aside from using employee incentive gifts to motivate your team, it’s important to offer free development courses. This shows employees that you value them and want to watch them grow professionally. Make sure you offer a range of resources, and you can create another incentive by giving employees a bonus once they’ve finished the course.

Choice of Working Remotely

One of the most underrated employee incentives is letting your team work remotely. Offering flexibility shows you trust and want them to nurture a healthy work-life balance. But, if you’re uncomfortable with this, then offer remote working to employees who ask or need it, such as when an employee is sick, can’t get childcare for that day, or is having car troubles.

Student Loan Debt Assistance

Around one-third of American students have debt, and the average is around $38,792. It’s no surprise that this financial burden is stressful, which is why companies should help their team alleviate it. Businesses could, for example, create a monthly student debt relief plan for their team, and this will encourage employees to stay.

Try These Employee Incentive Programs Today

Hopefully, you’ll test these employee incentive programs at your workplace.

There are many creative incentive ideas, such as offering student loan debt assistance, tax incentives, and retirement benefits. You should also nurture your team by giving them access to free developmental courses and a raise once they’ve been there for a certain period. Good luck!

Found this article helpful? If yes, then check out the rest of our blog.

With the work world still in a state of flux between on-site and remote work, many people still feel economically insecure. Some combat that feeling by looking for side hustles that can bolster their monthly income.

The cash strapped often look for low-cost side hustles like freelance writing. If you have a little money to invest, though, you might look at a 3D printer you can use to make things you can sell online. Of course, that begs the question of what 3D printer projects are the best choices.

Keep reading for a quick breakdown of options that can help you get started.

Gaming Miniatures

Gaming miniatures are an ideal option for the burgeoning 3D printing businessperson. For one, customers plan on painting the miniatures themselves. That eliminates a whole step in the process.

As an added bonus, you can also offer custom miniatures if you possess the design chops for the task. You will need 3D printer design software for that task. The upside is that you can charge premium pricing for one-of-kind miniatures.


Simple toys provide another great option for beginners. Just make sure you understand the liability rules. Children’s toys must often meet regulatory standards for issues such as choking and materials.

Toys for adults, such as fidget spinners, typically offer the lowest levels of potential liability. If you create a custom toy that gets very popular, you may end up needing a large 3D printer or end up outsourcing to a 3D company like to meet demand.


Custom jewelry is another popular option, but it also calls for design skills. Your average plastic resin 3D printer usually won’t cut it for these projects either. You’ll need a 3D printer that can handle metal or carbon fiber filaments.

That can drive up the 3D printer cost and the cost of 3D printing materials. On the flip side, it’s also a product that lets you charge premium prices.

You can also do batch production on some designs for sale online.


Believe it or not, you can also get filaments that incorporate stone. That lets you print original or replica statues and busts. While they might not prove a mainstay for you, they can provide a secondary income stream if you specialize in certain types of statues.

Just make sure you steer clear of copyrighted materials, such as movie, video game, or TV materials.

3D Printer Projects and You

Picking the right 3D printer projects for your business depends in part on the market and in part on your own interests. You will find writing marketing copy for things that interest you far easier than writing it for things you don’t care about.

You must also make some decisions about what direction you will go in so you can get the right printer and materials. Some projects lend themselves to additive printers while other projects need a 3D laser printer.

Looking for more business ideas? Check out some of the other posts in our Business section.

Are you thinking about venturing into the online trading world? You need a good and dependable brokerage to do that and every single one you find will promise to be the top choice. However, this doesn’t mean that you just accept what they are saying and don’t do your own research. You have to find the answers yourself and this means you assess the offerings of the broker before signing up. You can take advantage of this Get Prime Crypto review, if you are considering this platform for your trading needs. 

Registered in the Marshall Islands, BHVN introduced Get Prime Crypto for offering forex and CFD trading services to global traders. When you begin your research into the brokerage, you will discover that it appears to have a good reputation in the market. But, you need to check for yourself and this means assessing its offerings. Go through the review below to do so:

Start with the trading instruments 

You should begin your assessment of a broker’s offerings by checking out their trading instruments first. If you don’t want to trade the instruments they offer, you can just quite while you are ahead and look for a different platform altogether. This can save you a lot of time and effort in the long run. A quick look at the trading instruments provided by Get Prime Crypto shows that they are offering a very good combination to explore. 

They have added some of the best trading instruments from renowned financial markets in the world. You can trade leading currency pairs in the forex market, stocks of prominent companies, lucrative indices, popular cryptocurrencies and some stable commodities as well. Opening an account with Get Prime Crypto gives you the opportunity to diversify your portfolio and make high profits. 

Check the trading platform 

Taking a look at the trading platform provided to you is a must because it is the feature you engage with the most for your trading needs. You will find the trading platform at Get Prime Crypto more than appropriate in terms of providing a good trading experience. There is a WebTrader available, which requires no downloading and installation and boasts powerful technology that offers instant trade execution and one-click trading. 

The intuitive user-interface can be navigated with ease, even if you have no prior trading experience. Likewise, you will also find that Get Prime Crypto has added top trading tools, such as trading alerts, live charts, market updates, technical indicators and more. They have also developed mobile trading apps for Android and iOS ecosystems that you can download and trade from anywhere and anytime.

Go over the sign up process

What do you need to do to sign up with the broker? This is another aspect you need to assess and there are no complex or time consuming requirements to worry about here. This is because Get Prime Crypto allows you to register with them within five minutes. All you have to do register on the platform is go to the website and fill out the given form. It asks for your first name, last name, email address, password, phone number, country and date of birth. You also have to choose an account currency and accept the Terms and Conditions outlined. 

Don’t forget customer support

If there is one thing you need to assess for certain, it is the customer support you will be provided because this also determines your experience. You will find that Get Prime Crypto has been very thorough here because they have offered 24/5 customer support to their clients. You can reach out to their team through a phone number, or email address, both of which are given on their website. They are also available via WhatsApp and you can get them to contact you by filling out the contact form as well. 

Final Verdict 

The assessment makes it obvious that Get Prime Crypto is more than capable of offering you a seamless trading experience.