0 comments on “Passive Investing in 2019”

Passive Investing in 2019

Passive_Investing_2019

Passive Investing for Beginners

Passive investing is a growing trend in the investment world. Because of the broad success of index funds, many investors are beginning to question the importance of active money management and whether it may even hurt returns in the long term. Due to the costs associated with actively managing investments, passive investing strategies have an inherent advantage that is difficult to overcome.

At its core, passive investing is a fancy way of saying buy and hold. It’s all about minimizing fees and hassle while striving to build wealth over time. Having to constantly research and make decisions is costly in terms of time and money. Then there’s cost of making an actual transaction, which can be substantial if you’re making a lot of them. When you buy and hold, you hitch your fortune to a wagon and let it ride. Buying and holding is the simplest form of passive investing, but there are also some strategies which can be used to manage risk.

Diversification

It’s important not to hold all your eggs in one basket. Companies and economies go bust all the time, but they generally don’t go bust all at once. If you buy lots of different things across different sectors, economies, and asset classes, you can effectively spread your risk and average out your returns.

These days it’s easier than ever to build a diversified portfolio. Instead of buying individual stocks, there are index funds and Exchange Traded Funds (ETFs) that represent just about anything you could invest in. The simplest strategies involve just a few broad market ETFs or index funds that can be adjusted for your risk tolerance.

Rebalancing

Once you’ve decided how to diversify your portfolio, you need to ensure that it stays diversified. Different asset classes have different rates of return, with the riskier classes generally having higher returns over time. Due to this, your holdings will tend to become skewed towards riskier assets over time, which makes your whole portfolio riskier than intended by your diversification plan.

This is where rebalancing comes in. In order to get your portfolio back into alignment with your target, you need to buy (and possibly sell) some of your holdings. If you are making frequent cash contributions, simply buying your most underweight assets is often sufficient to stay on target. However, if your portfolio eventually drifts too far, you may also need to sell some of your overweight holdings so that you can purchase more of the underweight. Due to the cost associated with buying and selling, it’s best to do full rebalancing only infrequently.

Discipline

Perhaps the most important aspect of passive investing is discipline. If you don’t have the fortitude to stick with your investment plan even in the midst of a recession, you may lose more than you ever gain on your investments.

Many investors panic during downturns and pull their investments out of the market once they’ve seen their investments drop in value. It can be physically painful to see your net worth drop by 30% or more. The key thing to remember is that in the long run, the market always recovers. If you sell at the bottom, you’re jumping off the wagon and locking in your losses. So remember – you’re in it for the long haul.

On the flip side, it’s important not to get greedy or chase high returns. It’s easy to be enticed by the media’s coverage of the latest investing craze or flashy stock that is “set to perform this year”. Always be skeptical of what the media says and remember that if it’s in the media, it’s probably too late. Often times, investors following trends just end up buying high and selling low. If for some reason you have the urge to follow the advice you hear in the media, then make sure you do your homework and most importantly ask yourself: Am I really a passive investor?

5 steps to passive investing for retirement

So you’re interested in becoming a passive investor? Well look no further, you’re in the right place. This article will help you get started in 5 simple steps. Before we get started with investing, you should have learned how to prioritize your money and cleared all of your high-interest debt, such as your credit card and student loan debts. The interest on these is a lot higher than the returns you’ll make with your passive investments. Also, the money you are investing will go solely towards your retirement nest egg, so you shouldn’t be investing with money that you will need in ten years or sooner.

Finally, this guide assumes that you will be investing in low-cost Exchange Traded Funds (ETFs). As discussed in our Primer on Passive Investing article, passive investing is all about minimizing fees, staying diversified and being in it for the long haul with the expectation of getting the market returns. Remember, 80-90% of active managers do not beat the market’s returns. With that said, let’s begin:

Step 1: Develop a plan based on how much you can afford to invest.

Let’s say you intend on retiring at the age of 65, under the assumption that you will live to the ripe young age of 100. After all, we have made great strides in the field of medicine and it is not unreasonable to expect to be around a bit longer. According to MoneySense, the typical middle-class couple can live comfortably on $42,000 to $72,000 a year, assuming no mortgage or child cost. That equates to between $1,470,000 and $2,520,000 over the course of 35 years.

Who wouldn’t want to have a nest egg valued at over $1,000,000? But the reality is, the amount of money you can afford to invest is determined by what your monthly expenses are. Before investing, you should pay off your monthly expenses, then determine how much of your disposable income can be allocated towards retirement. Don’t forget to take your lifestyle into account. Depending on your lifestyle, you may decide to scale back spending in order to save more towards retirement. The main point of this step is to have a plan that works for you. The truth is, there is no perfect plan and the fact that you have one is a good start. The right time to start investing for retirement is now.

Step 2: Determine your asset allocation

Consider asset allocation as the process of “splitting up your investments” into various asset types in order to find the right balance between potential returns and safety. When investing, there are 3 main asset types to consider: stocks, bonds and cash (or cash equivalents). Depending on your tolerance for risk, you may decide to hold more or less of a particular asset type. For the purpose of this guide, we will assume that you are only holding stocks and bonds because you are trying to build wealth. That being said, it is not uncommon for some investors to hold cash as an “emergency” fund or as an extra safe (though unprofitable) asset.

When determining your asset allocation, a common rule of thumb is to hold your age in bonds and the rest in stocks. For example, if you are 40 years old, your portfolio should comprise a 40% weighting in bonds and 60% weighting in stocks under this rule of thumb. Once you’ve determined your stock allocation, you can refine this further by selecting ETFs that give you exposure to a variety of markets such as Canadian, US, and International equities.

For example, your 60% stock allocation could be further split up into:

  • 5% Canadian Equities
  • 35% US Equities
  • 20% International Equities

When it comes to bonds, the Canadian Couch Potato blog recommends holding Canadian bonds as opposed to International bonds because of the currency risks. In keeping with our scenario above, the remaining 40% of your portfolio’s allocation could be held in indexes or ETFs that track the entire Canadian bond market. When determining your asset allocation, always remember to stay diversified. There is an online questionnaire from Vanguard may also be helpful to determine your asset allocation. If you’re still not sure or do not feel comfortable determining your allocation, speak with a registered fee-only independent financial advisor and let them know that you’re interested in DIY investing using low-cost ETFs.

Step 3: Open an account with a discount brokerage and build your portfolio

According to Young and Thrifty’s comparison of online brokers in Canada there are a few factors that you should consider when selecting a discount brokerage, these are:

  1. Free ETFs trades
  2. Low account fees
  3. Low trading fees
  4. Low account minimums
  5. Good customer service
  6. Reimbursed transfer fees
  7. Safety
  8. Compatibility with Cell Phones

For any passive investor, using a discount brokerage is a must! Why you ask? Because you want to minimize fees as much as possible. I opted to go with Questrade because of their free-ETF purchases, low account fees and they offered to pay the transfer fee when I moved the money in my bank’s mutual funds over to them.

Step 4: Stay the course and avoid speculation

So you’ve built a diversified ETF portfolio, now here comes the hard part: staying the course and avoiding speculation! It’s easy to be tempted to sell your investments when the markets are doing poorly. Keep in mind that, even if the market is doing poorly, it does not mean that you have lost money. The losses are only incurred if you sell a security for less than what you have paid for it.

Always remember that over the long term the market has always gone up. If you were to Google search the market indexes of the New York Stock Exchange, NASDAQ, S&P 500 (which is an index that tracks the 500 largest corporations in America) and Morgan Stanley Capital International (MSCI) world index you will observe one thing. That is, these indexes historically trend upward over a long period of time, even after global recessions. But don’t take my word for it, according to Investopedia:

Between 1928 and 2013, a broad index of U.S. stocks increased 2,000-fold. However, 20 times they actually lost at least 20% of their value in that period.

With this knowledge in mind, I’d like to share two rules that Warren Buffet — the world’s most successful investor — lives by:

Rule #1: Don’t Lose Money.

Rule #2: Never Forget Rule #1.

Another aspect of staying the course is contributing regularly. The best way to do this is to set up automatic payments to your brokerage account and make regular purchases. This reduces the likelihood of you spending the money before having the opportunity to invest it. Consider this as “paying yourself first”, which can go a long way towards establishing a comfortable nest egg.

Step 5: Rebalance your portfolio when needed

As time passes, your portfolio will drift from its initial asset allocation because of the variance in performance between the assets in your portfolio. Because of this, rebalancing will need to be done in order to bring your portfolio back into alignment with the target allocation. There is no set rule of thumb as to how often you should rebalance. Some investors rebalance based on a calendar schedule (monthly, quarterly, annually), whereas others opt to rebalance whenever their assets have grown in value beyond a certain threshold (for example, 5% or 10% out of target). Because you’re focusing on building wealth and contributing on a regular basis, you could rebalance by simply purchasing the underweight asset(s) in your portfolio. If you’ve signed up with a discount brokerage that offers free ETF purchases, this method would not incur any fees and would help to keep your portfolio balanced.

Most importantly, be sure to remember the rule of thumb in step #2. You never want to be bearing too much risk as you approach retirement. It is important to maintain an asset allocation that’s in keeping with your tolerance for risk and time horizon.

1 comment on “How to Buy Stocks: A Beginner’s Guide to Buying Stocks in 2019”

How to Buy Stocks: A Beginner’s Guide to Buying Stocks in 2019

How_to_buy_Stocks

Last Updated: 24th January, 2019

Have you always wanted to invest in the Canadian stock market, but had no idea where to start? You’ve come to the right place. In this article, I’ll show you everything you need to know about the basics of stock market investing in 2019.

Are you ready? Let’s dive in!

Unlocking The Mysteries Of Stock Market Investing

Too many people make stock market investing more complicated than it needs to be. It’s as though investing is a great mystery, one that can only be solved by those with special insight and knowledge.

Thankfully, buying stocks doesn’t have to be a complex process. In fact, just about anyone can learn how to buy stocks with a little time and effort.

Getting Started in 2019

The first step is to open a brokerage account. Yes, it’s true that you need a broker in order to buy stocks.

The good news is that in 2019, you don’t need to visit a stock broker in person, call someone on the phone, or become engaged in a complicated transaction.

You can buy and sell stocks from the comfort of your living room, through an online discount broker. You don’t need very much money, either.

In many cases, it’s possible to open a brokerage account and start investing with as little as $50. Look for a reputable account online, and then open your account. Once you do that, you will be able to start buying stocks.

Online brokerage accounts are fairly easy to find. In Canada, there are no fewer than 12 leading discount brokerages vying for your investment dollar.

While you can check all of them out in this recent review of Canadian Online Brokerages, my top choice for online brokerage in 2018 is Questrade.

How Do Stocks Work?

If you’re new to the world of stock market investing, you may be wondering what a stock is in the first place.

Stocks, also referred to as shares, represent ownership in a corporation. They give the owner of the stock, also known as the shareholder, a claim on company assets and earnings. They can also grant the shareholder other benefits, such as voting rights.

To use a basic example, if a company issued 1000 shares, and you purchased 100, you would hold a 10% ownership of that company.

Of course, large corporations such as Google, or Royal Bank, are worth billions of dollars, with outstanding shares numbered in the hundreds of millions, so 100 shares would be a drop in the bucket when it comes to your claim on ownership.

But 100 shares is significant inside an individual portfolio, and can provide an investor with an opportunity for strong growth over the long term.

Types Of Stock

Corporations issue two main types of stock: common and preferred. Each type can be divided into several different classes, but these are the main categories.

Common shares provide the owner with voting rights at shareholder meetings, while preferred shareholders have a preferred claim on earnings, such as dividends. Preferred shareholders also have priority if the corporation were to go bankrupt.

Common shares are, exactly as they sound, more common.

What Is An ETF?

Exchange Traded Funds (ETFs) have become incredibly popular in recent years, and just might be the best way to get started with stock investing.

ETFs are groups of stocks that track the performance of a particular stock market index. With ETFs, Instead of trying to pick individual stocks, you receive the benefit of several stocks.

The benefit to a novice investor is that you don’t have to try and learn how to buy stocks before you get started. A solid ETF, can be a great way to get started.

ETFs vs. Index Mutual Funds

At first glance, an ETF might seem similar to a mutual fund, in particular an index mutual fund, but there are some key differences.

While ETFs and index mutual funds both offer an indexable basket of securities, ETFs are more flexible than an index mutual fund, in that they can be traded just like an individual stock.

They also lack the management fees (MER’s) of a mutual fund, although most brokers do charge a trading fee on ETFs. Depending on your strategy, ETFs can be advantageous to index mutual funds.

Because of their simplicity, ETFs may also be the best way to get started with stock investing. Once you are more comfortable, you can move forward and learn how to buy individual stocks.

How To Choose Stocks

Choosing individual stocks for your portfolio begins with research, and lots of it.

To start, get as much information as you can on the companies you are interested in, learning about how they are run, as well as the potential they have for future growth.

Also, consider whether or not the stocks you choose are a good value. There are many different ways to evaluate stocks, and you can learn them and then apply them.

The important thing is to get started. An ETF can help you get started with investing, and start earning compounding returns, while you learn the ins and outs of how to buy individual stocks.

Make It Automatic

No matter how you choose to invest, or where you put your money, one of the best things you can do is to make it automatic.

You want to make sure that you invest regularly, since that is a good way to make sure that you are earning better returns over time.

Decide how much money you can invest each month, and have the money automatically withdrawn from your bank account and used to invest in shares of an ETF or a particular stock.

This investing technique is known as dollar cost averaging, and it’s used by investors of all experience levels not only for convenience, but to enhance investment returns over the long term. Here’s how it works.

What Is Dollar Cost Averaging?

Dollar Cost Averaging (DCA) involves the purchase of investments in smaller amounts on a regular schedule, ie. monthly, bi-weekly, rather than in lump sums, less frequently.

Automating the purchase of investments removes the need for an investor to try timing the market, as over the long term the investments will be purchased at a lower average price. This is where the true value of dollar cost averaging lies.

Example Of Dollar Cost Averaging

Let’s assume an investor decides to purchase $1,000 worth of XYZ Corp. at the same time every month for four months. In this example, we’ll also assume that the stock first declines in value, but then rallies strongly.

As you can see in the table above, using a dollar cost averaging strategy the investor would have purchased 272.22 shares for a total of $4,000. His/her average price per share for this period would have been just $14.69 (calculated as follows: $4000 / 272.22 = $14.69). With the stock ending at $18 at the end of this period, the investor’s total position would now be worth $4,900 (calculated as follows: 272.22 shares * $18 = $4,900). As a result, the investor would actually show a profit of $900 on his/her overall position despite the fact that the stock declined in value over the full four-month time period (dropping from $20 to $18).

By comparison, if the investor had decided to invest $4,000 in shares of XYZ Corp. all at once at the beginning of this period, then he/she would have purchased 200 shares at a price of $20 per share. With the stock finishing at $18 at the end of the four months, the investor would have shown a net loss of -$400 on the stock.

This example clearly illustrates the benefits of dollar cost averaging, especially during periods of volatile share prices.


With dollar cost averaging, you can start small. As you earn more money, and learn more about investing in stocks, you can increase your contributions, as well as start finding other stock investments that will help you reach your financial goals.

 

2 comments on “Best Tips for Travelling to Atlantis Bahamas – 2019”

Best Tips for Travelling to Atlantis Bahamas – 2019

Atlantis_Bahamas

Last Updated: 5th March, 2019

Best Months to Visit Bahamas

The best time to visit the Bahamas is from mid-December to mid-April, the country’s peak season. Though temperatures here are great year-round (they rarely dip below 60 degrees), the islands fall within the hurricane belt, so hurricanes may be a factor between June 1 and Nov. 30 (the Atlantic hurricane season). Most of these months (plus May) also fall within the region’s rainy season, which can leave you with fewer days spent enjoying the islands’ outdoor activities. But keep in mind that mid-December to mid-April’s sublime weather attracts hordes of tourists, so prices will be at their highest and crowds at their thickest during these months.

Best Tips to Visit Atlantis Paradise Island -Bahamas

Atlantis Paradise Island is the world-renowned Caribbean destination in the Bahamas for all ages. The resort features a variety of accommodations built around a 141-acre waterscape called Aquaventure. This water park contains 18 thrilling water slides, 20 swimming areas, a seven-acre snorkeling lagoon, and more. Atlantis also has the world’s largest open-air marine habitat bringing 50,000 marine animals from reef sharks to sea turtles within your reach. We’ve put together this list to help your trip to Atlantis be the best it can be. These are the Atlantis Bahamas tips you’ll be happy you know before you go.

The Atlantis Resort can be overwhelming even before you arrive. Making an accommodation choice alone can be a dizzying process. There’s the Cove, The Royal Towers, The Reef, The Coral, The Beach and more! Not to worry, we’ve got you covered with tips, secrets, and tricks to help you navigate Atlantis like a pro.

Check out the view from “The Coral” at Night…

Kid’s play area at The Beach

Best Atlantis Bahamas Tips for an overwhelming experience.

1. Reaching Atlantis

When booking your trip to Atlantis,  you will want to book your flight to Nassau (NAS) and then take a taxi from the airport to the resort. Taxi prices are regulated so you won’t be overcharged. It takes about 30 minutes to get to the resort. Our Bahamian taxi drivers were courteous and professional. You can also book airport transfers through Atlantis, but then you may be stuck waiting for other passengers. We would not recommend renting a car. If you want to explore more of the island, hire a taxi. The locals may have some insider tips on places to go too!

2. Choosing Accomodations

For families: Nearly all accommodations at Atlantis are family-friendlyThe main Royal Towers is the place to stay to be closest to the action and probably the best option if a visit is a “once in a lifetime” experience for your family.  The Coral has newly renovated family-friendly rooms and suites. If you want to get away from the crowds of the main resort, The Harborside has 1-3 bedroom villas with full kitchens and laundry facilities. The Reef Atlantis offers more upscale living with Big studios, 1-2 bedrooms units with fully equipped kitchens or kitchenettes. This is perfect for families wanting easy access to the beach. While not formally part of the resort, the adjacent Comfort Suites Paradise Island provides budget-friendly accommodations AND includes all of the Atlantis amenities.

3. Atlantis is NOT an all-inclusive resort

Be prepared to shell some serious cash for special experiences, meals, snacks, drinks, etc. Many people recommend packing snacks and water bottles to avoid extra daytime charges. You’ll likely have a large dinner, but snacks help hold everyone over during the day. Rooms have mini fridges too for storing drinks and leftovers. The resort has a meal plan, which can be helpful if your kids are 11 and under (then they eat free). FoodStore2Go.com will deliver groceries to the resort as well. I’ve heard that Dominos will deliver too, but give them a call to make sure.

4. Make Reservations for Dinner in advance

Make dinner reservations before you even leave for the resort; otherwise, you’ll run into some wait times or will have to eat very early or late. Once you arrive you’ll likely have a message on your room phone asking you to confirm your reservations. Our favorites for fine dining are Nobu, Mosaic, and Dune at the Ocean Club. Our family-friendly recommendations are Carmines, Poseidon’s Table, Virgil’s Real BBQ, and  Murray’s Deli.

5. Download the Interactive Map

Atlantis Resort Map

Atlantis Resort is HUGE! Before you leave, download the free resort app available for iPhone, iPad, and Android. It includes a map and a list of events. You can use it to make your dinner reservations on the fly or before you leave. If you don’t want to carry your phone, pick up a printed map because, believe me, it’s easy to get lost.

6. Avoid Crowd

Since Atlantis is a very popular resort, you are likely to encounter crowds, especially if you travel during the high seasons like holiday and school vacations. The best way to avoid crowds is to travel in the low season when most kids are in school. If you are there during more crowded times, we have a few tips:

Avoid the Cruise Crowds: Sunday and Mondays are typically a bit lighter crowd-wise because the cruise ships are not flooding the property with extra people. You can also visit Aquaventure early or after 5pm when the cruise crowds are not there. There is a website called CruiseTT.com where you can see what ships will be in port on any given day.

Eat off-site: Consider having at least some of your meals off property. For breakfast, I recommend taking a stroll over to the neighboring marina village for Starbucks or Dunkin Donuts. It’s also nice eating al fresco and gazing at the stunning yachts docked there.

Reserve seating: to avoid the mad dash each morning to get prime seating around the main pool, you can book preferred seating for two guests at the Grotto Pool inside Aquaventure. Private cabanas can also be reserved throughout the main waterpark area. During crowded months, they can really be well worth the extra cost and provide many added amenities.

7. Swim with the Dolphins

Booking a special experience like those available at Dolphin Cay will help you spend time away from the crowds. Here you can swim with dolphins and frolic with sea lions. It’s not a cheap endeavor, but well worth it in my book. Make sure to book early as this very popular experience fills up months in advance. You can also purchase beach passes where you can spend the entire day at the Dolphin Cay beach.

Pro Tip:

Personal cameras are not allowed into the Dolphin Lagoon. Non-participating family members can take photos from the shoreline. The photo packages are extremely expensive so split the cost with another family if you can. All files are digital so they are easy to pay one price and then share.

8. No need to pay “Tips”

No need to pay tip, since tips are already included on everything you purchase. For example, a $6.25 self-serve cheese slice of pizza came to $7.40 with VAT (value added tax) and tip added in. We were told by the front desk that even the daily fee per person at the hotel covers bellhop services. They will still accept a tip, but that’s up to you.

9. Skip the Lazy River

While there are times when you’ll want a lazy float, you’ll definitely want to head to the rapid river called The Current. It’s a mile-long river ride with high-intensity waves and rapids, guaranteed to keep you cool and laughing. It’s similar to a lazy river, but sans the lazy portion. It can take up to a half hour to float along the twisty path, but you’ll have more fun along the way riding waves and bumping over rapids. My family did this over and over again.

Scariest Water Slide of the World, Leap Of Faith Atlantis – Bahamas

Leap of Faith at Atlantis Paradise Island in the Bahamas drops riders 60 feet from the top of a beautifully constructed Mayan Temple at hair-raising speeds into a shark-filled lagoon. Now that’s hair raising!
A comment from TripAdvisor: “Holy Crap! The good thing about this is that you go so fast it’s over in no time. The bad thing is that you go so fast you don’t really notice when you end up in a see-through tube surrounded by sharks. I let out a blood curdling scream all the way down.”

Check out the amazing photo as well….

The Challenger Slide

Atlantis_Challenger_Slide

Our Favorite Casual & Budget Dining Places

Murray’s Deli

WHEN YOU’RE HUNGRY FOR NEW YORK STYLE DELI

Enjoy majestic views of Atlantis Marina and 1950’s décor at this New York-style restaurant. Vacationers can enjoy smoked fish, matzo ball soup, towering deli sandwiches, brisket and more.

Check out these mouth watering pictures:

IS ATLANTIS AN ALL-INCLUSIVE RESORT?

Atlantis is not an all-inclusive Resort; it’s a full service Resort. As guests, you have full access to all Atlantis water park features at no additional cost. Included are 11 swimming areas, 11 water slides, two Lazy River Rides, a protected Paradise Lagoon, The Dig, the Predator’s Lagoon, all the marine life habitats, and the ocean beach area. Beach towels are provided daily at no charge once within the water park. All other Atlantis services such as the Mandara Spa, the Comedy Club and Business Center, are yours to enjoy for a nominal fee.

Meal plans are available to enhance your experience at the resort. These plans vary and offer guests options depending upon where they would like to dine and where they are staying within the resort.

Conclusion

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How to Increase Alexa Rank Quickly?

How to Increase Alexa Rank Quickly

Alexa_Ranking

Last Updated: 12th February, 2019

Every website owner wants to get good Alexa rank for own website. Alexa Gives The Global rank of based on how much visitors come daily, high-quality links, unique content etc.
Alexa rank is updated on a daily basis.

It shows 99% correct Alexa ranking of a website among whole internet sites around the world.

Here is how you can increase Alexa rank quickly & convert Alexa Rank to visitors.

First, you know What is Alexa Rank?

Alexa is a web analytic company owned by Amazon, they rank the website on many factors like Bounce rate, Daily Pageviews per visitor and Daily time on site.

It also has a resource called Alexa Traffic Rankings.

According to Alexa,

Your Alexa Rank is an estimate of how popular your site is relative to all other sites
. Source — Alexa Blog

Top 5 easy ways how to increase Alexa rank quickly?

1. Install Alexa Toolbar

It is very easy way to increase Alexa ranking. Install Alexa toolbar and visit your site daily.

Alexa toolbar sends web site activity data to the server. Server saves each website activity of visitors.

2. Add Alexa Widget on your site

Alexa toolbar is a nice way to improve your ranking.

But here is one issue,

Most of the visitor who comes on your website would not have installed Alexa toolbar in own browser and also maximum visitor comes through the phone.

So use Alexa widget to solve this problem.

Alexa rank widget works same like Alexa toolbar who counts every hit from visitor and increase your Alexa rank quickly.

How to install Alexa Widget

Copy below HTML code and paste your website.

All you need to replace allusefulinfo.com with your website domain name and put the complete code at the place on your blog where you want to show your Alexa widget.

<a href=”http://www.alexa.com/siteinfo/allusefulinfo.com”><script type=”text/javascript” src=”http://xslt.alexa.com/site_stats/js/t/a?url=allusefulinfo.com”></script></a>

If you are a WordPress site owner install the Alexa Rank Widget plugin.

Alexa widget

3. Write unique original content

You may write about anything, But most important are to write original quality contents and don’t try to copy content from another blog.

If you write original content based on your own experiences, the visitor would like and love your content and they will love to visit your site regularly.

And Google always loves unique content It also improves your site’s bounce rate and increases site’s ranking.

Other bloggers would like to add your site’s link to their blog.

4. Update your post regularly

Visitor always searches your website for new information so it is important to post content regularly.

If you write daily content and update them on a daily basis then your chances will increase and this will improve traffic with Alexa ranking.

5. Share your content on social media

Today social media is the biggest marketing platform to build the new audience.

Everyone is now active on the web through social media.

Make your Facebook, Twitter and Linked In page for your website.

Also submit your site to other sites like DiggStumbleupon, Delicious, Mix.com

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Mortgages in Canada – 2019

mortgage-in-canada

Last Updated: 10th Februaury, 2019

Mortgage Calculator

Mortgages in Canada

This article lists the many variations of Mortgages in Canada. You will see a lot of talk on here and everywhere about CMHC or mortgage insurance. This is the insurance that you pay if you purchase a home with less than 20% down. This is known as mortgage default insurance and is mandatory as per the government if you purchase a home with less than 20%. Mortgage insurance is not available on rental properties or purchases of homes worth over $1 million. The mortgage insurance premium is on the total amount of the mortgage and is tiered. With 5% down you will pay a 4% fee for the mortgage. With 10% down you will pay a 3.1% fee and with 15% down you will pay a 2.8% fee. These fees are included in the mortgage, raising the total mortgage amount you pay. You will have to pay the HST (or applicable tax) at the time of closing. The benefit of the insurance is that you can purchase with less money down and you will get better rates from your lender as they have less risk, which they pass along to you. The down side of this is that you do have to pay the insurance premium which increases your loan amount and payment. Insured mortgages in Canada can have a maximum of 25 year amortization and are subject to passing the current B20 guidelines for stress testing. This is outlined below.

Mortgage Qualifying

In Canada mortgage qualifying criteria is based off of two main ratios your GDS and TDS. GDS (Gross Debt Service) is the amount of your monthly income that can go towards your housing costs. These costs consist of (PITH) Principle, Interest, Taxes and Heating) . The amount that you are allowed to borrow will be based off of your credit score. A credit score of 680 or higher and you can have a GDS of 39%. A credit score below 680 and your maximum GDS is 35%. To calculate your PITH you will need to add up the principle and interest of the mortgage along with the monthly property tax and heating. (Half of your condo fees will also be included is you live in a condo) If this number is less than 35% of your GDS you qualify! The other number used is your TDS (Total Debt Service). This is the total debt that you have, including lines of credit, credit card payments and car loans, but not insurance. This number can be 42% of your gross income with a credit score under 680 and 44% if your credit score is above.

As of January 1st 2018, all mortgage transactions must comply with a stress test guideline, often referred to as B20 guidelines. In order to calculate your GDS and TDS ratios, you would need to ensure that you are calculating these percentages using these guidelines. The end result to a consumer seeking a mortgage is that your GDS and TDS must be calculated at the Bank of Canada Qualifying Rate (as of Oct 16 2018, this is 5.34%) or the contract rate being offered plus 2%, whichever of these is higher.

Fixed vs Variable

Fixed mortgages offer you the same rate over the duration of the contract. If you have a 5 year fixed mortgage at 3.00% interest your payment will remain the same over the duration of the 5 years. Variable rate mortgages are based off of the lenders Prime rate. This was the same across all lenders until in 2016 some banks have increased their mortgage prime rate. This rate will fluctuate based off of the Bank of Canada’s overnight lending rate. A variable rate will go up and down based on the overnight lending rate. The Bank of Canada meets and decides movement 8 times annually. If you have a variable rate mortgage your payment amount can increase or decrease based off of the overnight lending rate. Adjustable rate mortgage is much the same as a variable rate mortgage, but instead of the payment going up or down the amortization will get shorter or longer. Most Canadians call adjustable rate mortgages variable, but it is important to know the difference. Amortization is the duration in which you intend to pay back your loan.

Amortization

In Canada with have mortgage terms, which are how long you are locked in at a particular rate, but the amortization is the total duration of all loans in order to pay back your mortgage. Payment frequencies will vary by lender, but most will offer some or all of the following: monthly (once a month), Semi-Monthly (Twice a month), bi-weekly (26 times a year) accelerated bi-weekly (26 times a year at bi-monthly amount), weekly (once a week). When getting a mortgage you have several options. You can go to your bank, a credit union or a mortgage broker. All have different benefits and are worth exploring to see what is the best fit for you.

Resources

Using TFSA to pay your Down Payment

http://homeownership.ca

1 comment on “TFSA Contribution Limit Withdrawals – 2019”

TFSA Contribution Limit Withdrawals – 2019

tfsa-limit

Last Updated: 5th March, 2019

TFSA Contribution Limit Withdrawals

What is a TFSA?

It is funded using tax-paid money. This means that you do not get any rebate on tax when you contribute to your TFSA. The primary benefit is tax free profits, with no future taxation on withdrawals. This is unlike an RRSP where tax paid is effectively refunded when you contribute, and then tax is later assessed when you withdraw, ideally at a lower rate of tax. The benefit of a TFSA is much more straight-forward – paying no tax on growth is better than paying tax. Extracting and maximizing benefits from an RRSP can be a bit more challenging to manage due to the fact that your tax rate in the future is effectively unknown. This makes contributing to your TFSA an easy choice when you have the room available and aren’t sure if you should be using your RRSP at the time.

The benefit to be obtained from a TFSA is capped by what is known as the “contribution limit”. You may only contribute a certain amount to your TFSA. This means the amount of investments/savings that you can shield from tax is limited by the contribution limit. It is best to maximize your use of this benefit by contributing as much as possible to your TFSA before saving/investing in any taxable accounts.

Who can open a TFSA?

Per the CRA: “Any individual who is 18 years of age or older and who has a valid social insurance number (SIN) is eligible to open a TFSA.”

Source: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account/who-open-a-tfsa.html

Note that non-residents or those who were previously/will be a non-resident have special rules regarding the calculation of contribution room – refer to this link: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4466-tax-free-savings-account-tfsa-guide-individuals/tax-free-savings-account-tfsa-guide-individuals.html#P44_1116

TFSA Limit / Withdrawals

Generally the calculation of a particular years contribution limit is as follows:

  • your TFSA dollar limit plus indexation;
  • any unused TFSA contribution room from the previous year; and
  • any withdrawals made from the TFSA in the previous year.

Source: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account/contributions.html

In effect this means unused room is carried forward, and withdrawals are added back to the next years contribution room. Therefore you’re always free to use the TFSA since if you need the money for some other purpose you can withdraw the funds, use the money, and get the room back for later re-use.

“The TFSA dollar limit plus indexation” is not calculated by you. It is a prescribed number each year (Currently $5,500). You only accumulate TFSA room so long as you are resident, and are older than or will turned 18 during the year. You accumulate this room regardless of whether you have filed an income tax return (unlike the RRSP which requires a tax return filed to calculate the room). Non-residents should look to guidance on the linked TFSA guide above.

Your contribution room is calculated across all accounts – not per TFSA account. You may have multiple TFSA accounts at different institutions, but you must ensure that your total contributions across all accounts is not beyond the limit.

Here are some examples of the TFSA room calculation: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account/examples-tfsa-contribution-room.html#xmpl2

Investment Types

A TFSA account is any account with the designation as a TFSA account. This means a TFSA goes beyond just “savings accounts”. You can have a TFSA account at a variety of institutions and it can hold cash, mutual funds, stocks (except in some circumstances), bonds, GIC’s, and even (in limited circumstances) small business corporation shares.

Source: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4466-tax-free-savings-account-tfsa-guide-individuals/tax-free-savings-account-tfsa-guide-individuals.html#P44_1121

Gains/Losses in the TFSA

Gains earned in a TFSA are not subject to taxation. On the other side, losses in your TFSA are denied from being offset against any taxable gains.

Source: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4466-tax-free-savings-account-tfsa-guide-individuals/tax-free-savings-account-tfsa-guide-individuals.html#losses_incurred

Slips, and reporting your TFSA on your tax return

So long as you have not over-contributed to your TFSA you are not required to report your TFSA contributions, withdrawals, or incomes. You do not need to fill out anything when filing your taxes. Your TFSA information (summary of activity during the year) is submitted by the institution who created the account to the CRA.

How to find your contribution limit

You can find your contribution limit for a particular year at: * CRA My Account; * MyCRA at Mobile apps; * Represent a Client if you have an authorized representative; or * Tax Information Phone Service (TIPS) at 1-800-267-6999.

Source: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4466-tax-free-savings-account-tfsa-guide-individuals/tax-free-savings-account-tfsa-guide-individuals.html#P44_1120

Your Contribution Limit is updated after each year, but it may take a while after year-end for your contribution limit to be properly updated at the CRA. The CRA needs to wait for all of your institutions to file your information, and then it takes a while for the CRA to update their systems to reflect the new limits.

Generally speaking it is a good idea to track what you would expect your TFSA limit to be to ensure that all institutions have properly filed the activity for the year. Any errors by your institutions are your own responsibility to resolve in order to avoid penalties. You can call the CRA for an activity summary if you need the detail of activity filed with them in order to reconcile your TFSA limit. If you believe there is an issue with what one of your institutions filed then contact that institution – and then contact the CRA if they are unable to help.

Source: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4466-tax-free-savings-account-tfsa-guide-individuals/tax-free-savings-account-tfsa-guide-individuals.html#p3021_26370

Day Trading in the TFSA

This is nearly impossible to comment on in a wiki article, however it needs to be at least mentioned. The issue with day-trading in your TFSA stems from the following rule – you are prohibited from using the TFSA to shield the incomes of a business activity (as a business is not an eligible investment for a TFSA). In taxation the term “business” has a specific definition that alludes to some general factors to determine what is business activity. Generally speaking passive investing, or investing through a normal adviser, or long-term buy and hold investing, would not be considered a “business activity”. However, frequent (day) trading or highly speculative trading (and the research and other activities that come along with this) ends up being seen by the CRA (and our taxation laws) as a business activity. The CRA is increasingly targeting individuals with high profits/high activity for audits of their TFSA accounts. It is NOT recommended to day trade or keep highly speculative investments in your TFSA. AGAIN, this is FAR from a detailed explanation of the issue.

Effects on Credits

As withdrawals from a TFSA are not considered to be income you can freely withdraw funds from your TFSA without concern for losing certain income based credits such as the WITB/HST/CCB or other amounts.

Source: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4466-tax-free-savings-account-tfsa-guide-individuals/tax-free-savings-account-tfsa-guide-individuals.html#P44_1117

Foreign funds

Foreign funds be held in a TFSA account (such as US dollars and US dollar denominated investments), but for the purpose of reporting the usage of contribution room/withdrawals the amounts will be converted to Canadian dollars.

Source: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4466-tax-free-savings-account-tfsa-guide-individuals/tax-free-savings-account-tfsa-guide-individuals.html#p3021_26419

Death of a TFSA Holder

I can only provide a link in this wiki article for this issue: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4466-tax-free-savings-account-tfsa-guide-individuals/tax-free-savings-account-tfsa-guide-individuals.html#P44_1119

 

2 comments on “Car Insurance – 2019”

Car Insurance – 2019

car-insurance

Last Updated: 13th February, 2019

Inexpensive Car Insurance

This article provides in-depth information on various Types of Car Insurance Coverage, (mostly applicable for drivers living in the US), how to Save on Insurance effectively and Temporary Car Insurance in Canada.

Types of Coverage

Your auto policy is broken down into different coverage types. The types are fairly standard company to company and across different states. There is some variation in exclusions and definitions between insurance companies. In addition, different states have different minimum requirements as well as some different coverage options and requirements.

  • Collision: This is what most people think of when they picture car insurance. It covers damage to your car resulting from an accident (with another car or stationary object). Collision is usually required when you have a car loan. When you don’t have a loan, collision is usually an optional coverage. If you are driving a beater it may not be worth the money to insure, especially if you have an emergency fund to cover a new car in case of an accident. Deciding whether to drop collision is a personal decision. It is recommend talking to an agent. They can break down your quote and tell you what it costs to keep collision on your vehicle. This will help you decide if it’s worth it.
  • Comprehensive (Comp): Comp is similar to collision but this covers damage to your car caused by an ‘act of god’ (wind, hail, falling trees, deer, cracked windshield, etc.) Everything else said for collision applies here. However, note that you can have separate deductibles for comp and collision. Many people like having a lower comp deductible to cover the less severe cosmetic damage (hail, glass).
  • Property Damage Liability or Physical Damage (PDL or PD): If you’re deemed at fault in an accident, this covers the damage to the other car(s) and / or building / property you damage. This is a required coverage with the required limits varying state to state. I’d highly recommend getting at least $25,000 limits (if not more) even if your state requirements are lower. If the damage you cause exceeds your limits you will be legally obligated to pay the difference out of pocket.
  • Bodily Injury Liability (BI): This is similar to Property Damage Liability but it covers the person you injure, not the car. BI pays for medical bills, pain and suffering, wage loss, and funeral service. It is primarily used for people in the car you hit but also covers pedestrians you hit and any passengers in your car. However, note that this coverage does not cover you (the at fault driver). The limits with this coverage get a little more complex. There are two limits. Per person and per occurrence. A common example would be 50/100. This means it will cover up to $100,000 for any given accident but each person is limited to $50,000. Like Property Damage Liability, you could be held liable for additional damages if your limits are insufficient. A minimum of 100/300 is recommended.
  • Medical Expense / Medical Payments (Med Pay): This covers your (and your passengers’) medical bills. It is a no fault coverage so it applies regardless of who caused the accident. This is a great coverage, especially if you have no / limited health insurance. Even if you have health insurance this is nice because there are no deductibles / copays. In some PIP states (see below) med pay is not available.
  • Personal Injury Protection (PIP): This varies greatly from state to state and is not offered in some states yet required in other states. Like med pay, it’s a no fault coverage. It will cover your medical bills regardless of who is at fault. However, unlike med pay, there is sometimes a threshold; you must reach a certain amount of medical bills before this coverage kicks in. Another difference is that PIP also covers additional expenses such as wage loss.
  • Uninsured / Underinsured Motorist (UM/UIM): This is an additional coverage and varies from state to state. It basically covers accidents where you’re not at fault but the other person doesn’t have any / enough insurance. You may be thinking that earlier this page mentioned under BI/PD that if you’re at fault you can be held personally liable if your insurance limits aren’t sufficient. So why would you need this coverage? If the other party is at fault either their insurance would cover it or they would pay out of pocket. But what if it’s a hit and run? Or an unemployed bum? The chances of you ever seeing a penny is slim. This coverage protects you when the liable party is unable to pay. The PD portion covers damage to your car and the BI portion reimburses you for medical bills, pain and suffering, and lost wages. So now you’re probably thinking well I have health insurance plus I already have med pay so why would I need this? Simple. This offers further protection. If you’re in the hospital, unable to work, after the accident this will cover your lost wages. If you require in home care, this will cover it.
  • Other: Depending on the carrier, there may be other optional coverages such as emergency road side assistance. These are highly variable so they will not be covered here.

Ways to save on insurance

Here are a few tips on how to save.

  • Shop around. Talk to an agent. Get a quote online. There are dozens of factors that go into pricing and each company has a slightly different formula. Find the company whose formula works in your favor.
  • Pay your bill upfront rather than monthly. Many companies give you a discount for paying right away rather than once a month. Additionally, if you’re able to use a rewards credit card to do this you could get additional cash back (just make sure to pay your statement in full to avoid paying interest).
  • Adjust your deductibles. Sometimes this makes sense, sometimes it doesn’t. It really comes down to how the company prices and how comfortable you are with risk. For example, if some cases, increasing the deductible from $500 to $1,000 would have only saved the driver $8 every 6 months or $1.33/month. In order for this to work out in that person’s favor, they would have to go 375 months without an accident. In this situation it wouldn’t be worth the extra risk and kept the lower deductible. However, if you feel you’re a safe driver and are unlikely to get in an accident, and also have an emergency fund big enough to cover a large deductible, go ahead and increase your deductible and save a few dollars.
  • Bundle. Try to get your homeowners / renters through the same company. Most places offer a large discount when you bundle. If you have children / dependents it could also be worth looking into term life as well.
  • See if you can get a discount for taking a defensive driving course. Just make sure the discount would offset the cost to complete the course.
  • Get Usage Based Insurance (UBI), especially if you do not drive a lot. Many companies offer a discount for installing a device in your car that monitors your driving habits for a few months. On top of the discount offered for installing the device, most companies will then lower your premium further if you have safe driving results.

TEMPORARY CAR INSURANCE IN CANADA

Car insurance is required to legally drive a car, and it protects a driver from the risks associated with driving. However, car insurance plans frequently require a driver to sign up for a long term commitment with it being difficult for drivers to find an insurance plan on a short term basis.

Temporary Insurance: What Is It?

Drivers can solve the problem of getting temporary coverage by purchasing a temporary insurance plan. Generally, a temporary insurance plan is for less than a few months with some plans covering a driver for a couple of weeks. A typical temporary insurance plan will cover the driver from between one day to a month.

Temporary car insurance policies have a number of advantages. They are generally cheaper than other car insurance plans that may require a driver to sign up for a committed term of payments. However, most temporary insurance plans will be more expensive on a day to day basis than a long term plan. They are also much easier for to secure. Most temporary plans simply require the car owner to place a phone call. The temporary car insurance can then be added to a car almost immediately.

WHY MIGHT YOU NEED TEMPORARY CAR COVERAGE?

There is a variety of reasons why you may need temporary insurance. The most common reason is that you are the owner of a car that you only drive during certain parts of a year. This may be a car used for road trips, moving furniture, hauling a trailer, or a classic car that you rarely drive. This allows you to save money on insuring these cars while allowing them to be covered during the time they are in use.

It is common to get temporary insurance for people who do not drive the car that often. This may be a student who is home from school and needs to drive the car, house guests or house sitters that need a way to get around, and for people who suddenly find a need to drive.

Temporary insurance can be used to maintain coverage between when you first buy a car and are waiting to decide on a permanent car insurance plan. This allows you to secure the best policy possible. Temporary insurance is useful if you are too busy to pick out the best permanent car insurance policy. Similarly, temporary insurance can be used to maintain coverage when switching policies.

Also, temporary insurance is useful when selling a car. It allows you to avoid having to pay insurance on a car that is already sold while still maintaining coverage during the sales process. This means that a driver doesn’t have to rush to sell a car that has had its permanent insurance plan canceled.

HOW TO GET TEMPORARY OR SHORT TERM CAR INSURANCE

The first step in purchasing temporary insurance is to make a list of companies that offer this type of insurance, you can begin a quote with us today to see a complete list of temporary insurance providers. All we need is your basic information, this will include sthings like has how long of coverage is needed, the amount it needs to cover, and your driving history.

You will then have to decide on how long of coverage you will need, what level of liability coverage, and if you want additional coverage such as collision or total insurance coverage.

Temporary insurance may present you with the decision to purchase a relatively longer policy for a lower rate, or a short term policy that may not cover the full amount of time that you need insurance for. It is good to compare the rates between policies with different lengths of coverage.

The final process of securing temporary insurance is fairly easy. Most policies can be secured over the phone. This is especially true when securing coverage for a temporary driver on an existing policy. Other companies allow insurers to purchase policies over the internet.

It is important to review the policy for things such as cancellation or renewal fees.

0 comments on “Detailed Step-by-Step CIC Express Entry Instructions – 2019 (Infographics)”

Detailed Step-by-Step CIC Express Entry Instructions – 2019 (Infographics)

CIC-Express-Entry

Last Updated: 15th February, 2019

Thank you all for the overwhelming response on the blog post Canada Immigration Express-Entry – The Golden-Mail

As a number of subscribers have requested a detailed post on a step-by-step instruction on how to apply for Express Entry process (in order), our team have compiled the below:

CANADA PR STEP BY STEP PROCESS 2019 (Infographics)

Canada_PPR_Infographics_2019

Below are the steps listed in more detail:

How to apply for CIC Express Entry

1) Determine your eligibility by doing this CIC quiz:

http://www.cic.gc.ca/ctc-vac/ee-start.asp

2) Get your language test(s) done. You must get at least CLB 7 in each of the four sections for the Federal Skilled Worker (FSW), Provincial Nomination Program (PNP) or Canadian Experience Class (CEC) streams. But getting CLB 10 gives you maximum points for language.

How does CLB match back to the language tests? To know more, check the below: http://www.cic.gc.ca/english/resources/tools/language/charts.asp

You can book your IELTS examinations from British Council: https://takeielts.britishcouncil.org/book

British_Council_IELTS

3) Get your qualifications assessed by doing an Education Credential Assessment. Details here –> http://www.cic.gc.ca/english/immigrate/skilled/assessment.asp

You can get your Education Credentials Evaluated from WES: https://www.wes.org/ca/

WES_Credential_Evaluation

A WES sample report for ECA evaluation for Immigration is attached below:

sample-CE-CA-ECA

4) Determine the code that best applies to you on the National Occupation Classification (NOC) list http://www.cic.gc.ca/english/immigrate/skilled/noc.asp

The occupation must be NOC 0, A, or B for FSW or CEC.

5) When you have those in hand you create your express entry profile. http://www.cic.gc.ca/english/immigrate/skilled/profile.asp

and

Register for the Job Bank

http://www.jobbank.gc.ca/home-eng.do?lang=eng

Job-Bank

You’ll be given points based on your age, education, number of years work experience, and language skills. The points system is detailed here –>

http://www.cic.gc.ca/english/express-entry/grid-crs.asp

You’ll be in a pool with thousands of other applicants

http://www.cic.gc.ca/english/immigrate/skilled/pool.asp

Of course, the more points you have the better. The max is 1200, with 600 of those points coming from your ability to snag a PNP or a job offer with a very hard to get Labour Market Impact Assessment http://www.cic.gc.ca/english/work/employers/lmo-basics.asp

For CEC applicants, the max is 600 but someone who has no work experience in Canada who is only eligible for FSW can only get up to 520 points.

6) Finally, wait for your invitation to apply (ITA). But in the interim you will need to do the following:

a) Have your application fee (C$550 each for principal applicant and spouse) and right of permanent resident fee (C$490 each for principal applicant and spouse) ready
http://www.cic.gc.ca/english/information/fees/fees.asp

b) Identify how you will provide proof of funds 

http://www.cic.gc.ca/english/immigrate/skilled/funds.asp

c) Check out what is required for the Police Clearance  Certificates 

http://www.cic.gc.ca/English/information/security/police-cert/index.asp

d) Find out how long it takes to get a date for the Medical Exam. http://www.cic.gc.ca/english/information/medical/medexams-perm.asp

e) Contact previous and current employers about them providing Job letters. You must have at least 12 months of full-time, or an equal amount in part-time, skilled work experience. Full-time work means at least 30 hours of paid work per week. Work experience while you were a full-time student does not count.

f) Research Cities in the province(s) where you want to live.

0 comments on “History of India”

History of India

History_of_India

HISTORY OF INDIA

Last Updated: 18th February, 2019

India’s history and culture is dynamic, spanning back to the beginning of human civilization. It begins with a mysterious culture along the Indus River and in farming communities in the southern lands of India. The history of India is punctuated by constant integration of migrating people with the diverse cultures that surround India. Available evidence suggests that the use of iron, copper and other metals was widely prevalent in the Indian sub-continent at a fairly early period, which is indicative of the progress that this part of the world had made. By the end of the fourth millennium BC, India had emerged as a region of highly developed civilization.

It’s amazing to learn about the Indian History which we often miss out in schools. I never knew there was a Greek Indian Kingdom in India for a significant time till I checked out the map of Empires of India. I find it quite surprising that the British were the first to have the entire Indian Subcontinent under their control, with the Mughal Empire coming second with only the south and some parts of the east outside their control.

Romilla Thapar’s book Early India from the origins to 1300 AD is a great book to start learning about this era.

FACTS ABOUT EMPIRES OF INDIA

It is believed that there was a Greek ambassador known as Megasthenes in the Mauryan Empire. Mouryas and Guptas ruled from Arabian Sea to Bay of Bengal, covering both the populous Indus and Ganges valleys, that was an achievement then. British could rule mostly because of technological advancements in shipbuilding.

The level of control enjoyed in the Deccan by the Mughals probably exceeded that of the Delhi Sultanate, and the Guptas and the Mauryas (in that order). None of them were able to truly consolidate their holdings in the Deccan, with their large territorial dominance lasting ~50 years at the most. Why? Technology, as simple as that.

By the age of the Mughals, shipbuilding, gunpowder etc. made it easier to build nations. The notion of currency, banking institutions, tax codes etc. were much better developed. Armies were professional, weaponry was far more advanced. Tribal kings would wilt under Mughal artillery barrage but could probably give a tougher fight to a Mauryan army.

0 comments on “Samsung’s Upcoming Foldable Phone”

Samsung’s Upcoming Foldable Phone

samsung_foldable_phone

Samsung’s Upcoming Foldable Phone

It’s finally official for all Samsung lovers.

via GIPHY

Yes, Samsung has finally revealed its groundbreaking foldable phone after years of speculation, rumors, teases and mocked up protoypes.

Despite the media hype and teases from Samsung, this event never really hinged on the foldable phone. The developer’s conference is intended, naturally, for developers, and covered a whole load of inside-baseball updates that general consumers wouldn’t be interested in. And then, in the middle of it, came the much fabled Samsung folding phone. Or rather, the screen technology that will be key to the folding phone.

The key to Samsung’s folding phone is in its Infinity Flex display. The company aren’t referring to this device as a ‘new phone’, but more as a new range of devices. The focus for the brand isn’t on a one-off phone with an innovative new angle, but more the way the new technology could be applied to a range of products.

The biggest challenge in the design was making the screen thin enough to fold, and Samsung boasted that it had managed to reduce the thickness of its polarizing display component by 45%. This is essential, as it’s this component that handles the way the screen dissipates light, so your view isn’t obscured by reflections.

While the hands-on time with the display was brief, a presentation that followed told us more about the abilities of the Infinity Flex, claiming that it was not only foldable, but also rollable and stretchable.

When Will the Folding Phone be Released?

We knew that the folding phone was close – Samsung CEO DJ Koh had been dropping more and more elaborate hints in the past few months. However, if you’re expecting one under the Christmas tree this year, you’re going to be disappointed.

The technology will apparently be going into mass production within the next few months, according to Samsung, so it’ll be 2019 before you can walk into a store and buy one. The precise date remains to be seen, and the fact that we haven’t even seen the final version of the product yet means it won’t be for some time.

Then there’s the price. No word was given on the cost of the phone, but you should probably start saving now. Samsung is manufacturing an innovative display, and that doesn’t come cheap. Luckily, early adopters have deep pockets, but for the average consumer, the price tag will likely be an eye-popper.

Will it use this new technology to regain it’s edge over Apple? Only time can tell !

We know that phones are getting bigger and bigger in size which is making it almost practically difficult to handle. But we all want a bigger screen.

Advantages:

  • Multitasking – You’ll be able to operate 3 phone screens separately or 1+1 tablet and phone screen simultaneously. This is a huge boon for all the multitaskers.
  • Bigger and beautiful screen – You’ll be able to carry a tablet but it will actually be a size of a phone. The video and gaming experience will be beyond the expectations.

Disadvantages:

  • Too thick – The picture tells us that this phone will be very thick and kind of ugly when folded. This will make it heavier in the age of slim phones.
  • Terrible battery – Running 3 phone screens on a phone is not a joke. The battery will be poor, it is very logical. Forget about surviving for a whole day while playing high-end games.

Is it worth buying?

For normal users, maybe not. It will be expensive and a new technology takes time to develop. This smartphone will be facing initial undesired problems.

It might not go flop provided that it will not have major bugs during the release.

However, it might not get an instant hit as well.