Cryptocurrency is a hot topic as every other day some big personalities tend to invest in crypto or crypto trading companies. So many people are trying to understand what cryptocurrency is and there are many who are taking advantage and investing in cryptocurrencies.

There is a lot of buzz for this cryptocurrency market as lots are happening in this market as well. There are various crypto apps that you can download to buy and sell cryptocurrencies such as bitcoins, ethereum, dogecoin but before buying any crypto you need to follow all the news regarding the cryptocurrency you are trading into.

Cryptocurrency is closely related to blockchain & mining. For example, you might have heard about bitcoin mining. This means to maintain the bitcoin blockchain, there are computers (also known as nodes) that are globally present which constantly work on preserving the bitcoin network.

To become a miner, you have to decipher a few math problems. One has to compute math problems, which makes the bitcoin payment network safer and trustworthy, and secondly, when high-end computers solve this complex maths problem they produce new bitcoins. Moreover, you as well get rewarded for solving the problems.

If you want to invest in bitcoins you need to have a trading app so you can buy any cryptocurrencies and even sell after a point when you want to. Today on searching “investing apps India” you will see that crypto apps are popping more often than stock apps. Speaking of which, downloading a crypto app that is locally available in your region will help you learn about the cryptocurrency market via graphs and blogs. There are several investing apps but downloading the right one is important. Before downloading any investing apps you should always check the security provided by these apps as there are many faux apps in the market. After checking the security of the apps, always turn on two-factor authentication and email authentication to add a layer of security. Investing apps should also give you real-time data so that you trade with proper and actual data information, not with outdated information. For example, Ethereum is the most popular cryptocurrency after Bitcoin, as last year the price of ethereum was around 18k and today the price is around 2 lakhs, so real-time data is crucial.

So before investing or trading you need to be aware of all the news happening around the globe which can impact your investment or either boost it. Hence cryptocurrency news is helpful for anyone buying and selling coins. Crypto news is crucial as it will give you all the news which can impact your investment. So staying updated is also very important before and after investing.

Today you have access to tools that can help you learn more about crypto markets. Sign up for forums, podcasts etc. and learn more about the new crypto market.

HDFC Personal Loan is one of the most popular and best personal loans available in India. With affordable interest rates & charges, easy documentation, flexible tenure, different EMI repayment options, quick online application, and instant disbursal, it has become the most favourite alternative for many during any financial emergency.

Instant HDFC personal loan can be used for travelling, destination weddings, medical emergencies, business requirements, and so on. Pre-approved customers of HDFC Bank can get an instant personal loan disbursal in just 10 seconds without any documentation.

If you fulfil the HDFC Bank Personal Loan Eligibility, you can avail of the loan instantly without any hassles. The eligibility criteria for HDFC personal loan depend on various factors mentioned below: 

• Your Repayment Capacity: Out of many factors that impact your Personal Loan eligibility, the most important one is your repayment capacity. The lending bank will check whether you are financially capable of repaying your loan over the given tenure. HDFC considers your current income, credit score, outstanding loans, and continuity of income. If your credit score is good (750 or above) and you are financially stable, you will be considered eligible for a higher loan amount. Also, if you are an HDFC Bank customer already, you may even be eligible for a pre-approved loan, which needs little or no documentation. In a pre-approved loan, the amount is usually disbursed to your account within 10 seconds.

• Credit Score: To enhance your chances of personal loan approval in the future and securing a low interest rate, you must have a good CIBIL score. A CIBIL score indicates your creditworthiness and the ability to a repay loan. For HDFC Bank, a good credit score for a personal loan is considered to be 750 or above. HDFC Bank customers can easily check their CIBIL score through NetBanking. Non-HDFC Bank customers can request their credit report directly from CIBIL or other online platforms. Usually, these credit reports involve a nominal fee. However, some online platforms provide a free credit report too. Check your credit report carefully and look for any errors. For instance, a closed loan may be marked as pending or there could be a loan that you never applied for. If you find any error, file a dispute with CIBIL for rectification of errors, if required, as they could affect your credit rating and decrease your score.

Who is eligible to apply for HDFC personal loan?

Following people are eligible to apply for a personal loan with HDFC:

• Employees working with private limited companies, public sector undertakings (including central, state, & local bodies)
• People aged between 21 and 60 years.
• People who have a job experience of at least 2 years and a minimum of 1 year have been served at the current employer.
• People earning a minimum net monthly income of Rs. 15,000. If you are working in Delhi, Mumbai, Chennai, Bengaluru, Pune, Hyderabad, Kolkata, Ahmedabad, or Cochin, your net monthly income should be minimum Rs. 20,000.
• You must submit the following documents to be eligible for HDFC personal loan approval:
  • Identity proof, such as a copy of the Aadhaar/ passport/ voter ID/ driving license.
  • Address proof, such as a copy of the Aadhaar/ passport/ voter ID/ driving license.
  • Bank statements of the previous 3 months or passbook of the previous 6 months.
  • Latest 2 salary slips or current dated salary certificate along with the latest Form 16.

Why apply for HDFC personal loan?

Applying for HDFC personal loan has the following benefits: 

• This instant personal loan can fulfil all your financial needs.
• You can get a maximum of up to Rs. 40 lakhs as personal loan amount from HDFC.
• The repayment tenure can vary from 1 to 5 years.
• HDFC personal loan interest rates start from as low as 10.50% p.a. and can go up to a maximum of 21% p.a.
• Processing fee for this loan is up to 2.50% of the sanctioned loan amount. The maximum fee for salaried customers Rs. 25,000.
• The bank allows prepayment of the loan by charging a prepayment fee of 2 to 4% of the outstanding loan amount, depending on when you wish to prepay the loan.
• You can also opt for HDFC personal loan balance transfer facility to reduce your EMIs.
• You can check your eligibility online in just one minute and at select branches using HDFC Personal Loan Eligibility Calculator.
• You can get funds in just 10 seconds if you are a pre-approved customer of HDFC Bank. Other customers can get funds in under 4 hours.
• You can apply for HDFC personal loan online in just a few clicks through the bank’s simplified personal loan application process.
• Get Personal Accident Cover of up to Rs. 8 Lakhs and Critical Illness cover of up to Rs. 1 Lakh for a nominal premium.
• Get Personal Loan Security with Sarv Suraksha Pro and avail of the following benefits:
  • Accidental Hospitalisation cover of up to Rs. 8 Lakhs.
  • Credit Shield cover equivalent to the outstanding loan amount.
  • Accidental Death or Permanent Disablement cover worth up to Rs. 1 Lakh.

These days, Payroll services are critical part of the Business Company and operation. While few business operations manage the payroll process in the house through manual book keeping. Moving forward, successful industries all over the worldare opting to outsource this function to professionals. Best Payroll Service Company in Greensboro, North Carolina is highly recommended by several business industries.

Let’s find out what are payroll services: This is the process in which the company hires an external firm to manage the procedure. This is the way to save time, money, and effort as well. The payroll solution furnishes improve accuracy when it is compared to in-house outsourced payroll philadelphia pa as it gets prepared, analyzed, and evaluated by experienced and qualified professionals. 

Frees up both time and aids permit businesses to focus on the core task and goal. It helps to reduce the cost and any obstacles. 

Here are few advantages of payroll services:

The one who takes assistance fromoutsourced payroll process to a qualified assistance provider can take the enormous burden off their shoulder by providing the few benefits 

• This is a way to enhance productivity, save time and manage the process as well. Time spent on good payroll management, involving a huge amount of information, translates to considerable time consuming away from the task of business. 
• The best payroll services company greenhouse gives the business owners or the HR team a lot of time. Due to which they can easilyfocus on the essentials task for the growth of the business. 
• For any business company, time is the most essential component with monetary value. It is linked to the firm generates from the goal that handles. The more time always saving each day, the more money is earned.

When talking about the cost components involved in the importance payroll task such as:

• calculating the staff hours
•  paid time off
• Deduction
• Leaves
• To generate the reports
• Printing
• Paycheckand so on 

Benefits of the latest technology with the fast technological improvements: If the advanced number of global payroll providers utilized cloud-based services to manage the business information or having a good visibility.

Payroll also permits a person to leverage the advantage of the latest technology like robotic process automation. For the same North Carolina utilize the specialist payroll providers for optimizing the process. 

Compliance: A lot of tiny business owners struggle when it’s time to handling government tax rules related to payrolls. With the help of several rules, staff benefits from mistakes, PF percentage, it becomes very difficult to process the salary of each employee in the organization. These obstacles are quickly snowed all into audit irregularities and penalties that every business should be avoided.

Payrolls also figure the tax purposes, that is both for the business year-end income tax filing and for the quarter as well as for annual payroll. To keep this information organized and easily accessible for the upcoming reports. Preparing and remitting payroll taxes return to the government agencies even after the payroll is organized and recorded. The owners are designed administration carefully calculate or completes quarter payroll tax for improving the proper amount of payroll tax.

Notoriously technical and difficult to calculate, figuring out your mortgage interest rate can be confusing, so we’ve compiled a short guide to help you if you’re thinking of buying a property in Canada:

Fixed rate or variable rate mortgage

A fixed rate mortgage is a popular option because homeowners can make the same interest payment each month; protecting them from rate increases. Be aware though, that these mortgages are compounded semi-annually, meaning that if you’re quoted a rate of 6%, it could actually be 6.9% because the numbers are compounded using a mortgage rate less than 6%. Typically, the more a mortgage is compounded, the higher the monthly interest payments will be.

These mortgages also often come with harsh penalties when the term is broken.

For more flexibility, you might want to choose a variable rate mortgage, which fluctuates with the market, and while you’ll still be making the same payment every month, the amount going to interest and that going to your principal, will go up and down.

How can you calculate your mortgage interest yourself?

The following equation can help you figure out your rate of interest, you’ll just need your payment amount and PV factor (the number of months in your mortgage term or your total number of payments):

Determine your principal: PV factor x payment amount

Determine your total payment amount: divide your principal with the total number of payments you’ll be required to make.

You should be left with your total payment amount.

Note that calculations obtained using this equation obviously don’t factor in any other payments, such as insurance premiums and property taxes.

How will you be affected if your interest rate goes up?

Provided you know your current mortgage rate, mortgage payment, amortization period (PV factor) and frequency of payments, you should be able to figure out your payment amount after a rate increase, by using an online mortgage calculator.

Below are definitions of the above terms to help you navigate the calculation process:

• Current Mortgage Rate: This is the existing interest rate you’re paying onyour mortgage loan.
• Current Mortgage Payment: The monthly mortgage payment you make.
• Amortization Period: The number of months (i.e., total amount of payments) there are in your mortgage term.
• Payment Frequency: How often you are making payments towards your mortgage (usually monthly).

Even if you have a mortgage with a variable rate, you can put the figures into a mortgage calculator while accounting for the fluctuating rate of interest.

Working with a financial advisor or mortgage broker can help you make better sense of your mortgage rate and how it’s calculated, and armed with the above information, you can prepare yourself for buying your first Canadian home.

Heard of fintech? If you read the news with any consistency, then you’ve surely come across the term by now. 

Fintech, or financial technology, is quickly transforming the banking industry, and bringing significant changes to many other areas of the global economy as well, especially eCommerce. 

As of February 2020, there were 8,775 fintech startups in the USA, more than any other region, though the US is by no means the only country embracing this nascent industry. There were about 7,385 such startups across Europe, the Middle East regions, and Africa.

The industry has only grown since then, aided in part by a pandemic that created a sudden and global premium for remote services, especially remote financial services. 

Or as Forbes put it: “Frenzied at-home trading and sky-high asset valuations became hallmarks of the stock market’s pandemic year, fueling a period of explosive growth for a crop of investing-focused fintech companies at the center of it all.”

Though dismissed as a fad just a few years ago, now the biggest financial firms and publications have daily stories about how and where to invest in fintech. 

Why? 

Because fintech drastically lowers the service costs of many financial transactions while simultaneously providing streamlined outcomes with automated financial operations, said Bardya Ziaian, the CEO of Sittu Group and an innovator in the Canadian fintech industry. 

So for starters, fintech is cheaper for many customers than conventional banking. It’s also part of the larger trend of cashless transactions. 

Most people, especially in the younger generations, now eschew the use of cash in most transactions, Bardya Ziaian said. Whether it’s a morning smoothie or online banking, the use of cash declines every year. Fintechs will benefit from this change as they flourish when more transactions take place on their platforms. 

Digital payments actually comprise 25 percent of the fintech ecosystem. And it’s not like smart phones are going anywhere. According to TechCrunch, about 90 percent of smartphone users make payments on their phone.

The other salient point is about data. The fintech industry has been an early adopter of data-gathering, using it primarily to draw conclusions about customer spending patterns. While many media outlets continue to question the ethics of data-mining, the reality embraced by every major eCommerce retailer is that customers now expect online businesses to offer personalization — and that requires data. 

“Fintechs have proven themselves extremely adept at leveraging the huge amounts of data out there to provide solutions that modern consumers want,” Ziaian said. “This trend isn’t going anywhere. It’s the future.”

So we’ve established that fintech is here to stay and will continue to grow in future years. 

Where should you, the investor, start putting their money? 

You could start with one of the fintech companies you’re already using in your daily life. The main services in fintech are: payment processing, financial software, online and mobile banking, online and peer-to-peer (P2P) lending, and financial services, and person-to-person payments. 

Unless you’ve been living under a rock the last 10 years, you’ve likely already embraced at least one or more of those services. 

That’s why when Motley Fool announced their Top 5 fintech companies for investing, the candidates weren’t newcomers, but fintech companies that have shown reliable growth for a number of years. 

The picks include Square, which you’ve likely used at a coffee shop or farmers market to pay for small items. Square processes card payments at a rate of over $100 billion, according to Motley Fool, it has a thriving small-business lending platform, as well as increased use among larger vendors. 

There’s also PayPal, founded by now-richest-person-in-the-world Elon Musk. Now the leader of online payments, it also owns person-to-person payment platform Venmo, and is venturing into the eCommerce space as well. 

The third pick from Motley Fool is the most interesting: Goldman Sachs. It’s an odd choice for fintech, given that Goldman Sachs is one of the oldest companies in conventional banking. But the company is now embracing fintech, 

“And unlike most other fintechs, Goldman’s massive investment banking business tends to be better in turbulent markets, making this a less cyclical fintech stock,” Motley Fool wrote. 

There’s plenty to explore about fintechs and investing, but this should help you get started.