Down Payment: An Easy Tool to save Money on Car Financing

When you buy a vehicle, you primarily think about the type, design, and functions but often forget about auto financing. One of the most important aspects of auto financing is down payment. A down payment amount is the upfront amount that you pay to a dealer.

Save enough when you start planning your car purchase so that you can use it to make a down payment. There are many benefits to making a down payment. If you can save for a down payment without severely affecting your lifestyle, it is a wise decision. Pay an upfront amount to the dealer to reduce the auto loan amount.

Down Payment: How Saving Money Now for your New Car will help you?

Start by making savings that you can towards a hefty down payment. It will help you in securing a cost-effective car deal and affordable auto loan. There are different ways in which you can save in the future by making a down payment now.

1. Save Money by getting Low Interest Rates

The interest rate of your auto loan depends on your credit score and your total loan amount. When you make a down payment of 20% or more, you save as the lender will charge an interest rate lower than what he/she offers to people who do not make a down payment.

Remember, you can end up paying a lot more interest if the lender does not trust your financials. The way to obtain more creditworthiness in the lender’s eyes is to put 20% or more towards a down payment.

2. Save Money by avoiding Negative Equity

Your automobile starts depreciating the moment you drive it off the dealership. Sometimes, the value can drop faster than the pace at which you repay the auto loan. It can lead to an upside-down auto loan or create negative equity. A down payment is a great way to delay the situation of negative equity on your new car. Therefore, making a down payment is one of the most effective ways to save by avoiding negative equity.

3. Save Money Through Low Monthly Payments

A short-term auto loan is ideal when the monthly payments are affordable. When you make a down payment, you are reducing the total amount of the auto loan. Your income minus the expenses and savings is the amount that you can put for your monthly payments. Therefore, it is a good idea to make a down payment now. So, you can save through low monthly payments in the future. You can utilize the surplus money towards other necessities.

What to do when you cannot make a Down Payment?

The benefits of a down payment are plenty. Therefore, when you go out to purchase your next car, shop around, get pre-approved for an auto loan but most importantly, make a down payment to enjoy financial freedom in the future.

However, there are situations when you cannot make a down payment. Do not worry. You can apply for no down payment auto loans. Sure, the auto loan amount will be high as you are avoiding the upfront loan amount, but it will ensure that you get to own a car in no time.

To ensure low-interest rates and affordable monthly payments on your auto loan, make sure you work with an experienced subprime lender who will help you get pre-approved car financing even when you have a bad credit score.

Mindtree Delivers Stellar Q3 Numbers; ICICI Lombard General Insurance, Alembic Pharmaceuticals

Market status: Confirmed Uptrend

Distribution days: Three

Global stock markets: Dow 30, -0.6%; S&P 500, -0.7%; Nasdaq, -0.9%; Nikkei, +1.4%; Hang Seng, +2.2%; Kospi, +2.3%

Yesterday, markets were under pressure in the morning session, with the Nifty down more than 1.0% and Midcap index down 1.5%. During the day, Nifty attempted recovery from losses but failed to do so. As volume was a little lower compared with Friday’s session, we did not mark yesterday’s session as a distribution day. Among the Nifty50 stocks, Tata Motors, Tata Steel, and ONGC closed ~5% lower. On the flip side, a 1–2% gain in Reliance, Titan, and HDFC Bank saved indices from declining further. On the sectoral front, Nifty Metal was down ~4.5%, while Nifty Auto, IT, Financial Services, Pharma, and Realty closed 2–3% lower.

With leadership broadening and indices above relevant intermediate-term moving averages, we will continue to look for leadership-quality growth names to form entry points. If a pullback/consolidation happens, it will be crucial for Nifty to hold its 21-DMA. It is advised to closely review the existing positions and book profits in stocks that are extended from their moving averages and showing technical weakness. Also, tracking distribution days is crucial as rising in distribution days can halt the uptrend.

Top 10 Exchanges to Trade Crypto Futures in India

If you are new to crypto futures, here is a quick overview.

Crypto Futures is a trading option, where you can earn an unlimited income by placing just a token money (a fraction of the total asset based on its future price) with the crypto exchange. You speculate the market sentiment at the time of expiry of the futures contract and confirm to the agreement.

To explain it further, “ Suppose A got into a contract with PCEX Member for Bitcoin Futures. He has to select the lot size available on offer. For example, a lot size of 5 BTC is available at an 8% margin. He will buy the Futures Contract and pay 8% of the value of 5 BTC by speculating that by a specific timeline, the prices of BTC will be high. So, if on the expiration day of the contract, the speculations are not right, A tends to lose and someone else who had a negative sentiment about the market wins. The exchange charges a trading fee for streamlining the transaction or encashing on the expiration date.

So, if it comes to the top 10 exchanges to trade crypto futures in India. The rating is based on Web Traffic; Average Liquidity; Volume, Fees, Ease-Of-Use as well as the Confidence that the volume reported by an exchange is legitimate.

PCEX Member
PCEX Member is India’s most user-friendly, comprehensive, and secure trading platform. It handles a transaction volume of USD 2.5 billion every 24 hour. High liquidity, smaller lot size, and lower transaction fees have made it a heaven for inventors – big and small. The exchange allows trading in all popular crypto asset’s contracts, including Bitcoin (BTC), Bitcoin Cash (BCH), Ethereum (ETH), Ethereum (ETC) and Litecoin (LTC). PCEX supports an array of fiat currencies including INR you can buy btc to inr instantly.


Traditional futures trading options
Multiple lot sizes
Lowest Margin rates
Competitive futures products


Transaction Fee: A flat transaction fee of 0.3% for Futures Trading applicable


As of January 2020, Binance is the largest cryptocurrency exchange in the world in terms of the trading volume. Its 24-hour crypto futures trading volume stands around USD38.9 billion. The exchange platform allows trading in around 322 cryptocurrencies, including Bitcoin, Ethereum, and Cardano. It has recently started accepting fiat currencies at the beginning of 2021, and supports 45 fiat currencies including INR.


Lowest transaction fee in the industry


Might be a bit difficult for beginner crypto enthusiasts

Transaction Fee: The maker or buyer fee is 0.02% and taker fee is 0.04%.

Established in March 2018, Bybit is one of the fastest growing crypto futures trading exchanges. It has more than a million registered users. Bybit helps you trade in popular crypto assets including BTC, ETH, XRP, EOS, ETH, LTC, and XTZ.


Investors are paid here, see the fee section.


Not-so-friendly user interface

Transaction Fee: The fee for makers is -0.025% and for takers it’s 0.075% per order.


Established in 2011, Kraken is a US-based cryptocurrency exchange. Its 24-hour crypto futures trading volume stands over USD 622 million. The exchange allows you to trade in 59 cryptocurrencies including Bitcoin, Ripple, Ethereum, Bitcoin Cash, and Litecoin. Kraken’s price information is also available with Bloomberg Terminal. Kraken played a role in attempting to recover funds lost by investors during the 2014-15 Mt. Gox implosion. It doesn’t support payment through INR, but you can use supported fiat currencies including USD, EUR, GBP, CAD, JPY, CHF and AUD.


Low transaction fee


Not-so-good Customer service

Transaction Fee: The trading fee for maker is -0.02% (they are paid to invest), and for maker it’s 0.075%.


Globally, Bitfinex ranks 6th with a trading volume to the tune of USD91.2 million. It supports asset trading in 145 cryptocurrencies. Currently, it doesn’t accept INR as a fiat currency, but you can trade in supported currencies including USD, EUR, GBP and JPY.


Low transaction fee


Not-so-satisfactory customer service

Transaction Fee: Trading fees are between 0% and 0.1% for deposit makers and between 0.2% and 0.055% for takers.


The KuCoin Exchange handles a trading volume to the tune of USD5.8 billion every 24 hour. It supports trading with 254 cryptocurrencies including BTC (Bitcoin), ETH (Ethereum), LTC (Litecoin), XRP (Ripple), KCS (KCS). You can use a credit/debit card (Simplex, Banxa, PayMIR), bank transfer, PayPal, or SEPA option to carry out transactions.


Very simple to use – perfect for beginners
Anonymous trading

Liquidity issues with smaller coins

Transaction Fee: The exchange has a diversified fee portfolio with 13 levels (LV0 to LV12) based on the trade volume. For below USD100 (LV0), it’s 0.02% for makers and 0.06% for takers. For USD≥160000, the maker and taker fees are -0.015% and 0.03% respectively.

Marketing Strategy Consulting

The goal of each and every new and start up business venture is to achieve a target of sales figures within a certain period of time and with the available resources that there are at hand which is usually limited initially.

So if you have a set up with set targets what is the need for marketing mentoring?

The reason for this is that the resources at hand are limited that need to be utilized with a full return policy. It implies that you need to get the resources utilized in a way to be able to get added returns on the amount spent.

But how do you go about the achievement of that significant target? How do you know the right route of progress?

This is the place where marketing consultants can make a difference. They have the knowledge based on practical studies and experience with which they help and assist you to implement the following for the growth and success of your venture.

With proper marketing strategy consulting you know how to

Launch the right product
Marketing it in the right way
At the right time
With the right price
Aiming at the right audience
Need for Marketing Consultants

The chief source of success from a business venture is to be present at the right time and the right place. Similarly it is crucial for any venture to be presented in the right way before people that would understand and even approve of such an initiative.

All of the above are the reasons that modern business ventures depend greatly on the experience and aptitude of marketing consultants.

They implement several principles of marketing management when they give you strategic planning advices and strategic consultations.

Here are some of the aspects of marketing strategy consultations.

There is in-depth research about the product or the service that is to be launched.
This is done to understand the tide and trend of the market at a given period of time. It also gives a prior idea about the nature of approval that the same will expect to receive.
Analyze and understand the kind of people that would be interested and thus create a target audience. Or even possibly make some amends to give the product a popular appeal.
Set up the marketing strategy for the product or service. How and what way will the same be publicized and where are they going to be initiated.
The cost of such launch as well as forms of marketing and publicity is also drawn up for a specific period.
The main objective of the publicity campaign is maximum exposure and branding.
Outsourced Marketing Management

If you have a small and newly set up business establishment you may not be able to sustain a full time marketing set up to promote and enhance growth.

However there is no dearth of possibilities in the modern world of business. There are several companies that can remain on the outside and still provide you with personalized marketing strategy consultations.

The marketing analysts and market specialists will enable you to move ahead in the right direction with detailed analysis and reports.

Consulting – The Benefits of Seeking Employment Advice

Seeking employment advice from a consultant is a wise thing to do because most consultants have their own specialty. They will specialize in the field of business improvement and strategy related to the issue you are trying to resolve. They will know exactly what needs to be done in order to reach the goal you are asking for. If you aren’t sure what needs to be done but know there are bottlenecks in normal processes and would like to make improvements by reducing cost and time measures, a consultant is the best option.

Another benefit of seeking outside employment advice is that they already have the tools and the equipment necessary to provide the work on the job. You might have to purchase software licenses but if you are asking for metal rails to be built in a new walkway then the person will have everything needed to get the job done. You save money on not purchasing equipment or tools. In addition, you might have staff members willing to do the job but it is common for sending employees to training and then purchasing everything to do the project is still more expensive than outsourcing.

Employment advice from a consultant is also objective. A consultant is going to come into your organization and lay everything out for you how they see it. They will analyze all of the processes and see from an outsider’s point of view the changes that need to be made for improvement. This is the best way to get an unbiased opinion.

Seeking employment advice from a consultant is a very smart thing to do when your business is in need of changes and you aren’t sure where to begin or which changes need to be made. A consultant will save you money, time, and give you an objectionable opinion.

7 Tips to Start and Build a Successful Consultancy Business From Home

If you plan to start a consultancy business from home, you need to know how to market your experience acquired through your previous job experience.

The industry you will be serving will be in the industry you are familiar with through your years of work experience. Your network of friends and contacts within the industry will know the quality of your work and will be prepared to employ you as their consultant when they need one.

Listed below are 7 helpful tips to consider before going into the consultancy business:

Marketing. A website is a powerful tool to market your business. It is useful to write good contents about your specialities on your web site to show-case your knowledge and skills to your potential clients. Your website will provide you with the exposure you need, 24/7. Your potential clients will identify you as an expert in your field, and this will provide you with opportunities to take on more clients.
Fee pricing. Do some research into what other consultants in your field are charging and then determine what hourly rate you are going to charge for your service. Careful consideration must be taken when your client only offers you a price for the job, regardless of the number of hours you take to complete the assignment. Don’t be afraid to decline your client’s piecemeal offer if you think that you are not going to make any money out of the deal.
Staffing. Initially you will have to do everything yourself from typing proposals, filing, handling mass mailings and dealing with phone calls. Later, as your business grows, you can employ a temporary staff to help you with the administrative work. As your business grows further, you may consider taking on an associate to help you grow your business further.
Get testimonials. Referrals from satisfied clients are your best testimonials. Referrals enhance your identity and your reputation as a business consultant. Remember to always ask for testimonials from your satisfied clients.
Public Relations and networking. Writing articles for journals or giving talks at seminars will raise your profile and that of your consultancy business. The Public Relations exercises will make you known in your consultancy field and will lead to more business coming your way.
Closing the deal. Before you close the deal, ensure that you understand your client’s job specifications and these are carefully clarified, documented and signed by your clients. Honestly ask yourself whether you have the skills and manpower to deliver your client’s specifications on time. If you are confident that you can do so, you should ask directly for the sale.
Customer service. It is essential for the success of your consultancy business to have good relationship with your clients. This is especially so when things go wrong. Clients don’t want excuses. They want results, and they want them delivered on time. Be honest with your assessment of situations and deal promptly with any shortfall in your work. If the situation needs rectification, be prepared to provide follow-up work or after sales services for free.

How Color Consultation Helps Your Interior Design?

Your home outspokenly expresses your taste and persona. It depicts your mood, image and thinking. Most importantly, colors play an indispensable role when it comes to your interior design, as they have the tendency to enhance the look of your home. Color consultants are responsible to help you opt for the right combination that best suits your style. Since, most people are not satisfied with their choice; therefore consultation will be the prudent decision for an interior design. This article will highlight why color consultation is important and how it helps to change the entire aura of your home.

Color Consultation – A Sensible Decision!

Taking the help of an interior decorator regarding color schemes will play an effective role in enhancing the entire vibe of your home. Professional interior decorators have detailed and astute knowledge about proper coloring etiquette and schemes. These professionals work with systemic and coordinated tactics and come with complete research and analysis and provide best color schemes for home decoration according to your style and taste.

Selecting a Scheme – Liven Up Your Interior Design!

Choosing the right and appropriate coloring scheme is an important aspect of interior decoration. A coloring consultant will describe how to select an apposite color scheme for your interior design to bring out a fresh feel in every room. The color consultant will inform you about various color tones; as various color tones can create a different and unique aura in your home.

> Warm tones such as red, pink, yellow, orange can bring a revitalizing sensation and tend to heave our energy levels.
> Cool tones such as green, blue and purple can usually create quite calming and relaxing environment.
> Neutral color schemes like white, gray, black or brown are usually found soothing and relaxing and can best work in your interior decoration.
> Dark color tones either warm or cool can generally make a room feel smaller, but with combination of light colors can make the room appear larger.

Exhilarating Coloring Tones – Enhance your Interior Design

As colors have a very profound effect on home decor, therefore proper consultation will help you to produce an innovative feel in the entire home. Color is the most noticeable feature of every room and requires an artistic and stylish approach. Therefore, proper consultation is needed for selecting appropriate tones for the walls, flooring, kitchen, living & drawing room. Warm coloring effects will best suit on highly-interactive places like kitchen and living rooms, similarly for bedrooms and bathrooms, cool colors will be the most appropriate choice to produce a relaxed feel.

The psychology of coloring is very perceptive and unique and creates a significant impact on people’s reaction. They tend to bring out certain emotions, moods and even physical feelings. Because of this impact, it is indispensable to opt for the right and appropriate scheme to improve your interior design.

A Consulting Contract Template Should Be Used to Protect Your Business

With the current state of the economy many more people are considering going into business for themselves as consultants to major corporations instead of actually working for them. However, any time that you go into business for yourself there is always an element of risk. The consulting business is not an exacting science in which a specific product is being delivered for a set price. It is more of a service business and you will need to make sure you are covered by a contract before you start to work. You can use a consulting contract template to help you create the paperwork you need to protect yourself and your business.

Your first contact with a new client can be as simple as a phone call or even a casual meeting in a restaurant or on an airplane. You may discuss his ideas and start to form a working relationship with him. These are informal meetings and nothing about them can be considered legally binding or any kind of informal contract. Once you begin to move beyond this point, you will need to enter into contract negotiations with your client to ensure that you are going to be paid for your time and services. If you do not have a binding contract you may find yourself on the short end of the stick and not getting paid.

According to the laws in most states you can draw up your own contract on a blank sheet of paper, however if you have no experience in this type of paperwork you may find that this is not a very good idea. You could find yourself leaving out a very important point that could leave you unable to collect on the money you are expecting to be paid. When you consider how tough our current economy is, you cannot afford to have even one client get away with not paying you for the work you have done.

You will find that the Internet is the perfect place to download a consulting contract template that you can use to draw up your own contract. These templates provide you not only with the basic forms you will need, but often include instructions and tips that can help you create a very well thought out contract that leaves little room for misinterpretation and protects both your work and your intellectual property. You should never begin any type of formal consulting work without having a written and signed contract in place.

The Importance of the “Free Initial Consultation”

After an accident, choosing the right lawyer to represent you is highly important. In the search for that lawyer, one will notice that the words “free initial consultation” are literally trumpeted in advertising for personal injury lawyers in virtually all parts of the nation. Typically, this tactic is seen by many as no more than an effective marketing tool. However, there is more to the “free consultation” than just marketing; it is actually an extremely beneficial tool for both the injured client as well as the lawyer

To begin, a free initial consultation allows access for injured parties who may be hesitant to contact a lawyer at all for fear of costs. Many times damages can be collected for third party injuries, but only if the correct steps are taken. The first step is to speak with an attorney. This may intimidate some injury victims, as they fear incurring significant fees just to find out they do not have a case at all. The free consultation removes the pressure of costs and allows for an accident victim the ability to learn more about their rights pertaining to their case.

As well, a no cost consultation provides the prospective injury client the opportunity to speak with an attorney to evaluate if that particular lawyer is the right one to handle their case. Evaluating case experience is one important aspect in choosing the right attorney to represent your case. Also, it allows time for many questions relating to not only experience in the particular practice area, but a time to learn more about how the attorney works, and how they will work with you though the process of your case. It is a chance for the victim to really grow comfortable with an attorney before proceeding into a case.

The first meeting is a useful tool for the lawyer as well. The consultation allows the lawyer to evaluate the case to determine if there is legal action that can be taken. The lawyer also has the opportunity to interview the client to be sure they and the client will be able to work well together for the full benefit of the case. If not, then the client has not made any sacrifice and both sides can leave the table with a clear understanding.

One must remember that both personal injury lawyer and prospective client typically do not know each other before an initial consultation. Often the client learns of a particular personal injury lawyer through their website, or other means, and has no personal knowledge of them. The attorney, likewise, does not know the client or anything about their case. The free initial injury consultation permits both the lawyer and injury victim to evaluate each other in order to determine if they are confident in one another to affect a strong outcome resulting in maximum monetary compensation.

When Your Group Hires A Consultant, Insist On An EXPERT!

There is an old joke, which states, the definition of a consultant, is, someone, who travels, more than 50 miles, and comes, with visuals, for his presentation! If, you are a leader, it is essential to realize, unless, the individual, you hire, is, actually, an EXPERT, in the specific area/ obstacle/ challenge, you want to address, you are only adding additional expense, and another opinion, from someone lacking, true expertise! While, on many occasions, it makes sense, and is needed/ productive, to bring – in, some outside – help, it will only, make a difference, for the better, when you hire, the right person! With, that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, using the mnemonic approach, what this means and represents, and why it matters.

1. Experience; expertise; enrich: Thoroughly, review, and evaluate, any potential consultant’s relevant experience, and evidence, he has the degree of expertise, which, might make a meaningful difference, for the better, in a realistic manner! Unless/ until, this individual, is ready, willing, and able to truly, enrich, and improve the organization, he won’t be the person, you should be looking for!

2. X: Extra; extraordinary; exciting: Consider, the extra level of quality, knowledge, and judgment, an individual, brings – to – the – table! Only, if/ when, his ideas, skills, and efforts, are relevant, and extraordinary, will hiring him, be exciting (in a positive way), for your group!

3. Planning; perception; priorities; perfection/ precision: It is generally, helpful, to add a level, of quality planning, to how, your group functions, and, if you find the right person, to do so, as well as the advantages, of providing an inspiring, perception, to your stakeholders, everyone, usually, benefits! It is meaningful, when a well – intentioned, leader, adds a level, of perfection and precision, to how, he addresses the needs, and priorities, of the specific organization!

4. Excellence; endurance; empathy; emphasis: Organizations, rarely benefit, when a so – called, leader, settles for good – enough, rather than demanding his utmost degree of genuine excellence, and proceeds, with considerable endurance, to move forward, despite any obstacles, thrust in one’s path! When someone maintains genuine empathy, and places, his primary emphasis, accordingly, everyone benefits! If/ when, we locate the right consultant, to fill – the – void, he is worth, every cent, he costs!

5. Relevant; references; responsive; responsible; realistic; rationale: Consulting only matters, when it emphasizes, relevant, needs, goals, and priorities, in a responsive, responsible way! Smart leaders, take the time, to check a proposed – consultant’s references, thoroughly, to ensure, his actual value! It is important that the rationale, is a realistic one, instead of merely, a hopeful one!

6. Takes time; trends; tells you; teaches; techniques: Don’t rush your decision, and choose the right person, carefully, and deliberately! You will, only, benefit, when he tells you, what he thinks, and teaches your organization, the high – quality, techniques, and proceeds, with an open – mind, to use the appropriate trends, which might be useful, and significant!

Although, there are times, when consultants, are extremely helpful, a wise leader is careful, to hire the right individual, who, is, truly, an EXPERT! Proceed, wisely, or you will only be, going through, the motions!