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Buying A Term Plan? Read Before You Move Further

If you have decided to buy a term plan, that is a giant step in the right direction. This is because a term plan is the most fundamental form of financial security you can ensure for your family. Despite advances in medical science, we live in uncertain times. More so, with rising inflation costs, lifestyle upgrades, and medical procedures and longer life spans translating into a need for bigger financial safety nets, your family requires higher insurance than previous generations ever did. This is because their income alone, or your family’s wealth corpus may not be adequate to meet all of the above financial requirements.

However, to ensure the term plan you purchase online from the several options available in India, it is important to consider certain points for an overall fulfilling experience. Let us take a look at these factors.

Follow these best practices

It’s tempting to buy a term plan and pay the premium right away when a plan seems to offer the maximum cover for minimal premium. However, you need to pay attention to some details before you go ahead and do this. Some of the key best practices you need to consider while buying term insurance online are:

Opt for the longest tenure available

Even if you think you children will be old enough after 20 years or your spouse would have built an adequate wealth corpus to not need insurance cover, take it. An additional sum never hurt anyone. Moreover, you have no visibility on their needs 40 years from now; they may go through a rough patch and so on and so forth. While you will have to shell out premium until you retire, it will be worth the peace of mind.

Insurance company’s service quality

This will make a huge difference in the long run. Because once you have purchased a term insurance policy, you may need to interact with the insurance providers for several reasons over the course of the tenure. Your nominee, too, will have to follow up with them on filing a claim. Hence, it is important that they are prompt with their service.

Compare term plans and providers

Buying a term plan is simple. However, several term insurance providers offer a host of options with add-on benefits. Insurance products such as a comprehensive term plan go a long way in offering several additional benefits at the same or slightly higher premium. Depending on your life stage or personal priorities, these can be extremely value for money. Hence, do not just close yourself to considering options to stick with the most traditional product type. Instead, compare and make an informed decision.

Further, make sure you also compare term insurance plan providers on various fronts – claim settlement ratio, claim filing process and documentation, online services etc. While these may seem less important as compared to premium and coverage, in the course of time, these prove to be equally important, and a sore point if not on par with your expectations.

Calculate your ideal term insurance cover

The last and most important thing to do before you buy a term plan is to calculate your exact coverage needs. Instead of falling prey to attractive marketing communication which may highlight a lumpsum cover for an affordable premium, understand if it will actually be adequate for your nominee or family, if they were to make a claim as soon as within a year or two after the policy purchase.

If you are unsure about how to calculate this amount, use an online calculator or even better, consult a financial advisor. This will ensure your family is actually able to benefit from your decision of buying a term plan instead of still having to be prudent with their finances.

Conclusion

Buying a term insurance is akin to future financial planning. Hence, it needs to be met with the same kind of strategic approach rather than as an impulse decision or simply ticking off a checklist. This will ensure your online term insurance purchase ends up being one that will stand your nominee or family in good stead.

Need Money Urgently? Here’s how a online loan app can be Helpful

There comes at least one time in your life when you may have a financial goal that you aren’t able to meet due to the lack of funds. Maybe you’d like to purchase gold for a festive occasion like Diwali. Or you’d like to buy an energy-saving appliance that brings more convenience to your life and that of your family members. School fees are also another important expense that must be paid on time.

One of the best solutions to the problem of fund scarcity is to download an online loan app and apply for a loan to help meet your expenses promptly. Here are some advantages of using a loan app.

1. Technology Makes It A Seamless Experience

The traditional banking system requires you to make a physical trip to the bank, meet several people, and submit documents in person. With the threat of the coronavirus still looming and the time consumed by physical visits, technology comes to your rescue. Today, access to an online loan apphelps you avoid all these steps. You can download the app, create an account and apply for a loan in a seamless, hassle-free manner. You can also submit all documents online.

2. Competitive Interest Rates

Online loan apps are less expensive to run as they have no physical presence and don’t need to pay for rent and other typical expenses associated with a brick-and-mortar setup. The good news is that they can pass on these benefits to customers in the form of reduced interest rates.

When applying for an insta loan online, you can compare interest rates and then apply for the more competitive ones that meet your requirements. However, if you apply offline, you’ll need to visit several banks before being able to zero in on the best options.

3. Flexibility On Principal Amount

Traditional banking systems tend only to offer loans of higher ticket size. Thus they exclude those customers who seek loans of smaller ticket size. The reality is that millions of consumers are seeking small-size loans, whether for business or personal use. Online loan apps address this and are thus able to empower more consumers by responding to their needs.

4. Minimal Documentation Required

Typically, the credit process of neobanks and other credit-focused fintech companies is designed to make life less cumbersome for the consumer. The typical documents needed are KYC documents, proof of income, and your bank statements. This also reduces the timeline within which you can secure a loan.

5. Inclusive Approach To Lending

Large numbers of customers remain outside the traditional banking periphery. For instance, small business owners, women, and blue-collar workers are often discouraged from applying for loans. Sometimes even if they meet the criteria, they are turned down due to biases. However, by design, online loan apps are more inclusive, and hence, people of many profiles can avail an insta loan with less hassle.

6. Flexible Repayment Tenure

You can choose a tenure based on your financial needs and tailor it for personal convenience. This lets you repay it in a way that is relevant to your circumstances, and it will not put a strain on you during the journey of repayment. Choosing the right payment tenure can ease the pressure.

7. 24-Hour Disbursement Of Loans

Once your loan is approved, it will hit your bank account in about 24 hours. This makes it easy to be able to leverage the loan for your expenses in a timely manner. Plan backward so that you receive the funds in time.

8. Make Timely Payments

Once you have secured the loan, it’s time to plan your payments and make sure you always make them on time. This will help improve your credit score and be eligible for other financial products. You may also qualify for loans of a higher ticket size in the future with a higher credit score.

In Summation

Running out of funds or falling short of them for a necessary expense is never a pleasant experience. Fortunately, loan apps can come to your rescue. Not only do they provide loans quickly and efficiently, but the above benefits make them a particularly useful option for urgent money. Take a loan from a personal loan app, and rest assured of your expenses!

How to Choose the Best Credit Card in a few easy Steps

With the availability of some of the best credit cards in Dubai, choosing one can be confusing sometimes. Many banks and reputed financial institutions are issuing a vast variety of credit cards, each unique in itself and providing more than a fistful of lucrative perks and features. If you have the right information about what you require, you can manage your financial expenses by selecting the one that is best suited to you.

Steps for Choosing the Best Credit Card

Mentioned below are a few easy steps that can help you decide to pick the one that is apt for you amongst the best credit cards in Dubai.

1. Identify your Requirements

Based on what you typically require when it comes to expenses, you can decide which credit card is best for you. If you are a someone who travels a lot, there are many cards designed to give you offers that will help you save. Similarly, if you are a shopper, frequent diner, attend a lot of events, etc., there are specific credit cards that will suit your needs. Corporate credit cards are also a popular type that works great both for the employer as well as the employee.

2. Select Type of Credit Card

Once you have an idea about your requirements, you should now thoroughly research the different types of credit cards issued to you in your country. This can range from low-interest rates, waived off annual fees, lucrative reward points programme, free credit score monitoring, higher spend limit and so on.

3. Check your Credit Score

While you may want prestigious cards such as platinum cards or even the black card, it is essential to check your eligibility before you proceed forward. Your credit score can determine your eligibility. The higher the score, the better is the chance to get the card of your choice. Keep a tab on your credit reports and keep a good credit score, so you are then eligible to pick and choose from which card works best for you.

4. Go for a Reputed Issuer

There are many issuing companies that offer some of the best credit cards in Dubai. It is advisable to pick one that is from a reputed brand. Internationally acclaimed banks and financial institutions have a lot at stake and will go an arm and a length to ensure that their customers are duly satisfied. They will help in case of fraud, theft and even general account-based queries. Most of them have competent cards with no annual fees and a solid 24/7 assistance team.

5. Apply for the Required Card

Once you have narrowed in on which card you finally wish you apply for, taking into consideration all the above mentioned five points, it is then time to apply for your card. It is easy to apply for your card online with simple steps. You first log on to the official website of the issuing company and go to the ‘apply now’ option. Next, you will be directed to a series of easy steps that will need you to fill in your personal information like email address, residential address, proof of income, phone number, identity proofs and a few other documents. After this, you can click on submit, and your work is done. Once approved, your credit card will be sent to you at your mailing address. You can also contact he customer care of the issuing company and speak to an executive who will direct you on the process. You can even go to the bank in person and do the needful if you are not computer savvy.

A King Sized Bed for a King’s Lifestyle

A third of your life is spent sleeping on an average, so it is only natural that you should spend it with utmost comfort and luxury. If you are someone who has a larger bedroom space, are parents to cute little children or pets, or even just has a penchant for grander things in life, a king-sized bed is exactly what you need.

What is a King Sized Bed?

King-sized beds are the widest size of bed available in the world of bedroom furniture. This giant-sized bed is usually 76 inches wide and 80 inches long. Larger than life, this fits well in master bedrooms, usually the biggest room in a home. If you like to have a lazy breakfast in bed or even have your kids come snuggle up next to you, you should definitely buy a king-size bed set in Dubai. Essentially, this size refers to the mattress, and the bed can then be constructed or purchased as per this size. To ornate the room, you should purchase a king-size bed set in Dubai that is of the concept, design, style and colour of your choosing so you will have a uniform theme throughout.

King Sized Fun Facts

Would a king-sized bed be ideal for you? Have a look at a few of its key features to be able to make that decision;

Apt for Sprawlers – If you are one of those that twists and turns in your sleep throughout the night and also keeps changing positions, you might want to opt-in for a king-sized bed so you can continue doing so comfortably and stretch out without any disturbances. There will still be more than sufficient space for your partner besides you.

Largest Size Amongst All – There are many types of beds such as twin, queen, double, single, etc. The king-sized bed supersedes them all, especially in terms of size. An average king-sized mattress is 76″ in width and 80″ in length. All king size bed sets in Dubai will come in accordance with these measurements.

Not Limited to Couples – While such beds are large and offer more space, most people think they are mainly suited for couples, and while that may be so, single people and tweens can also invest in kind sized beds, of course, depending on the space they have in their rooms. Such bed sizes act as the epitome of comfort and luxury.

Tips to Buy

You might be considering buying such a bed, and yes, due to their size, they tend to cost more too. However, you can shortlist what you like online and make a wish list. Keep an eye for special offers so you can buy them when it is more affordable for you. In the meantime, visit the store and personally check the size, foam softness, fabric and other features in person so you can make an affirmed decision. Life is too short, so live it King Size!

Eye Lift Surgery: Myths and Facts You Must Know

When it comes to ageing, our eyes start to show signs quite early as compared to other areas of our face. There is bagginess, droopiness, puffing, and whatnot. In order to remedy this, many people look for methods like eye lift in Dubai.

The science behind skin treatments has come a long way and is still evolving with time. This has even led to an increased belief in people when it comes to getting an eye lift in Dubai and other places in the world.

The eyelift procedure in Dubai is quite simple, including fat or muscle removal, etc., to achieve a younger-looking eye. Blepharoplasty, as it is also known to be, is also a great treatment to improve problems related to peripheral vision. However, there are a few myths surrounding eyelift surgery. So, here we are to bust those myths:

MYTH #1 – You Have To Be Admitted In A Hospital

FACT

Blepharoplasty is a process that takes about an hour’s worth of time. The procedure of eyelift in Dubai is done on an outpatient basis. One can expect an approximate time of 3 hours for the procedure of eyelift in Dubai done for both eyes.

The treatment is always followed up after injecting anaesthesia or general sedation. When only one eye has to be treated, local anaesthesia is employed. However, general sedation is used when treating both the eyes or getting an eye life in Dubai and other cosmetic procedures.

MYTH #2 – Blepharoplasty Can Leave Scars

FACT

When you go to an expert, you can always rest assured that they will provide the best treatment for an eye lift in Dubai, as the incisions during the procedure are mostly done along the natural folds of the eyelids. This hardly leaves a chance for any type of scarring on the eyes.

After treatment, one may experience little to medium bruising as well as scarring. Although this might bother you, there are a few remedies that can help with that. One such remedy is icing the area after the procedure to help with the after-effects.

MYTH #3 – Patients Take A Long Time To Recover

FACT

A treatment like Blepharoplasty is one that is very sensitive since it treats the area surrounding the eyes. Many people assume that the procedure may take a long time to recover from, but that is not the case. A person who receives the treatment of an eye lift in Dubai has a fair chance of receiving the best treatment.

This also enables them to return to their normal life right after two weeks of the treatment. One should also keep tabs on their proper aftercare, medication, a balanced diet, and sleep, which may help with a speedy recovery span.

MYTH #4 – Blepharoplasty Is Only For Old People

FACT

There is a false assumption that a Blepharoplasty is only meant for elderly people. It is assumed that the treatment is to combat the ageing problems that show around their eyes. However, droopy and baggy eyelids can be hereditary, which might show up at a young age.

So, when you visit an experienced surgeon, they can help you by evaluating your particular case and recommend the best treatment for eyelift in Dubai. They do this by factoring in the age, symptoms and any other related characteristics. They always keep the best interest of their patients in mind and advise for the treatments that can help with an ultimate solution to your problems.

MYTH #5 – Blepharoplasty Is Just For Droopy Upper Eyelids

FACT

Many people believe that getting an eye lift in Dubai will only be getting a cure for their droopy upper eyelids. The procedure can also treat lower eyelids and help with reducing dark circles, wrinkles, and eye bags.

The treatment also helps open up the eye area, which may require you to start wearing contact lenses after you have successfully completed the treatment of eye lift in Dubai.

MYTH #6 – One Can Suffer From Chronic Dry Eye

FACT

Although chronic dry eye is a common side effect after the treatment, the chances of this happening are pretty low if you go to an expert surgeon. When you go to an experienced professional, they will definitely provide a treatment that is as per the standards and keep you away from any type of side effects as much as possible.

The condition of chronic dry eye is more likely to develop after an eye lift in Dubai. This is because a surgeon might have overcorrected and/or removed too much of the skin at the time of the surgery. This is basically a complication that can be avoided when the hands of an expert do it.

Eye Lift in Dubai – Know the Facts

Some people consider eye lift in Dubai almost every day. Some go through with it as well. But some still have a few doubts, thanks to the many myths circling around. While they might be pretty trusting and may even come from your most reliable source, it is always a good idea to know the facts first before you make a decision.

There is no harm in getting the facts right by getting in touch with an experienced professional who is used to treatment for eye lift in Dubai. You can even have a good cosmetic surgery clinic examine your medical records and get an expert recommendation based on your own physical conditions. There might be a few complications and other factors that may or may not be of significance while going for a treatment like this. This is where a professional can come in and be of assistance.

Make sure that whoever is your surgeon they have the best for you in their mind. It should be their first and foremost priority to have your safety and wellbeing in place. When you have such a surgeon on board, you can rest assured of having the best eye lift in Dubai and even receiving the ultimate aftercare treatment.

Retire Peacefully By Investing in Mutual Funds- Here’s How

Retirement is a golden period when you are free from your work liabilities and family responsibilities. For most people, it is truly the time when you can sit back, relax and live the life you always dreamed of. However, it may become challenging to make the most of your sunset years without adequate financial support. Without a steady source of income, managing your day-to-day expenses can be tricky, particularly when you are used to a certain lifestyle and wouldn’t want to give it up.

If you are in a private job or run your business, retirement planning is not just good but necessary as it is essential to sustain the life that you and your spouse have built for yourselves. And this financial plan is incomplete without an investment portfolio.

Saving is the first step towards retirement planning, but it is not enough. When you save your income for your future, you commit to ensuring that you have a respectable one. However, saving doesn’t grow your money. You want an instrument that can beat inflation and increase your savings significantly.

Let us look at one of the best ways to plan your retirement fund – Mutual Funds.

What Are Mutual Funds?

Mutual Funds are an investment instrument in which a pool is created with the money from investors. This pool is then allocated to securities such as bonds, stocks, money market instruments, etc. Mutual funds are managed by Asset Management Companies (AMC) and operated by professional fund managers.

As an investor, you can buy any number of units of that portfolio and redeem them later.

[Watch – Is Retirement Planning Your Top Priority?]

How Can Mutual Funds Help in Your Retirement Planning?

Here is how an investment in mutual funds today can be the right step for your future planning.

Beat Inflation – Remember how you could buy a loaf of bread for Rs 10/- twenty years back, which now costs around Rs. 40/-? Well, this is what inflation does to your buying capacity. It reduces the value of money. Your mutual fund retirement plan can beat inflation and ensure that your purchasing power does not diminish without a steady income.
No pension – You may have witnessed your parents receive a pension to take care of their old-age expenses. However, you will not have that luxury. If you start early, your mutual fund retirement plan will become a sizeable chunk to take care of your medical and general expenses.
Falling Interest Rates – Traditionally, Indians have preferred fixed deposits over other forms of investments. However, the interest rates have fallen considerably in the last couple of years. As the economy grows, the money supply will increase, and these rates may not go back to their previous levels. Your mutual fund retirement plan will take care of this aspect as the returns are favorable.
Rising Medical Costs – Your health will become an invariable concern as you age. You never know when your health-related expenses may blow up. A mutual fund retirement plan can give the required financial cushion to manage medical costs independently. With this aspect covered, you will be able to focus on your treatment and recovery.
Flexible – Your mutual fund retirement plan is more flexible than a pension plan. There are no restrictions on withdrawals. Moreover, if you feel your current mutual fund is not giving you good returns, you can always exit it and invest in another mutual fund.

The Final Word

Retirement is a sunny period that everyone looks forward to. You can open a mutual fund retirement plan today to ensure you have the resources to enjoy those years of freedom. To start today, you can click here for a retirement readiness calculator.

Great party wear dresses for women available online

Partywear dresses are a shopping category that are always needed. It’s a sin to have a wardrobe without party dresses. One can mix and match or alternate styles to get the most out of their dresses. Online dress shopping has made shopping for women’s collection of party wear dresses an easier task. They are just non-exhaustive and always available in new fashion trends.

While looking for women’s clothing online, one must keep in check and verify the quality of the product to avoid going for cheap fabric that can itch the skin. Online dress shopping is way easier than going physically as all the different trends and designs are found under one roof, and we can view all options before finalizing THE ONE. Online dresses for women are affordable; thus, you can collect basics that every wardrobe needs without putting a dent in your pocket.

Here are some of the popular dress styles that are preferred today:

Sparkling Sequins

When it comes to last-minute party outfits, aren’t sequins a lifesaver? Well, sequins are very fashionable these days, and you can find a sequin top or dress anywhere when looking for online dresses for women. Since the dress is all bling, go minimal with accessories. Wear white canvas shoes or wear heels, whatever feels comfortable.

The Little Black Dress

Having a short black dress in your closet is a fashion necessity. Black is the mother of all colours in the dresses section. While you look at online dresses for women, you’ll notice that an entire section is dedicated to little black dresses. So when you have a party and are in doubt, opt for a black dress. It is 100% error-free. If the black dress looks too basic, then you can add a pop of colour to your entire outfit. Try wearing bright earrings. You can also combine it with gold accessories because the combination of black and gold is as elegant as it gets! A black dress pairs perfectly with heels of your choice or even chic boots.

The Silk Dress

Would you like to attract attention at a party? Wear a silk dress which would seem seamless. A silk dress is very feminine and trendy right now. You can wear a faux fur jacket with your silk dress. Keep your accessories bold yet pastel. And to complete the look, wear white heels.

The Denim Jacket on Dress

No matter where you are in the world, denim jackets complete your outfit look. The best denim jackets for a party look are those with prints or pearls or any special embellishment. Any basic dress can be elevated up to 200 times with a denim jacket. Contrast the colour of your jacket with the dress’s colour.

Jumpsuits

Although we are talking about party dresses for women, which may not be a dress, it is certainly perfect for a party. It’s one of the most comfortable and easy-to-wear pieces for any party and will definitely make you stand out from the crowd.

When wearing jumpsuits, try blocking the colour with the help of accessories and heels.

Pencil Skirt

Pencil skirt is one of the must-have clothing pieces in any girl’s wardrobe. Right from sequin sparkly to plain leather, there are a lot of varieties of pencil skirts.

Wear a plain coloured top with a shiny or sequin pencil skirt. Go for bold and glittery tops if you have a plain skirt. Complete the look with high heels or elegant boots.

Mesh Top Dress

One way to get people’s attention is to wear mesh top-dresses. Mesh top-dresses are the best, and they look very stylish and cute at the same time. Try wearing a lace bralette or other top, and wear the mesh top dress over it. The mesh gives you an insightful look. You can even go for a jacket over the mesh upper.

Bralette Top Dress

Currently, a crowd favourite, bralette tops are a perfect choice. Bralette tops provide the coverage of a corset top while adding the oomph you need for a party. It is perfect because it is not too revealing and it is fashionable at the same time. Keep accessories to minimum and complete the look with high heels. You can wear a jacket over it.

All of us know how difficult it is to find the right outfit for an occasion. The outfits can be re-worn with different shoes, jackets, and accessories and are a plus point for the numerous outfits you will now have.

Why You Should Order A 20 Ltr Water Jar Online While Planning A Holiday

The year is coming to an end. And after two difficult years, it is natural to plan a holiday. You might want to escape to the cold of the mountains or enjoy a chilly breeze at the beach. No matter what you type of holiday you plan, you must be already making a list of safety essentials for your holiday.

However, given all the outside food you will be exposing your health to during the holiday, it is important that you also make a checklist for back-at-home essentials. Yes, that’s right. Strange as it may sound, it makes sense to prep your home for the return.

This will go a long way in ensuring that you don’t have to drift into panic mode once you are back home or compromise on good health owing to lack of time and energy right after returning home. So let us take a look at the safety essentials such as a 20 ltr water jar that you should order online while you get ready to holiday.

Immunity benefits

It goes without saying that you will end up consuming lot of unhealthy food during your holiday. Most of your meals are unlikely to be high on nutrients that offer immune boosting powers. Ironically, it is also the time you will need your immunity to be on all-time high since you are exposing yourself to new environment, new people, and perhaps, new microbes.

While your pre-holiday immunity is likely to stand you in good stead while you enjoy your time in the sun, once back home, you will need to consume foods and water that offer high immunity. This will ensure you are able to fight back any post-holiday illnesses and infections easily and recover quickly.

Unlike your tap water, packaged mineral water, available as a 20 ltr water jar online, can offer such immunity-boosting minerals in adequate doses. Hence, rather than coming home to tap water or stored tap water, it is advisable to have a 20 ltr mineral water jar handy.

Mental health benefits

The 20 ltr mineral water jar that you order online offers more than just immunity-related benefits. If you are someone who is prone to feeling depressed and anxious post a holiday, remember, you aren’t alone. Mental health is a real thing. More importantly, while clinical intervention is required in case of serious problems, you can invest in adequate nutrition to prevent the same.

Essential minerals, present in adequate quantities in your 20 ltr mineral water jar, have been linked to a positive impact with regards to depression and anxiety in certain instances. Hence, it makes sense to up your intake of mineral health the minute you are back home and staring at dirty laundry.

Remember, adequate hydration by itself plays a key role in ensuring good mental health and fighting mood swings. Hence, it makes sense to keep drinking water such as mineral water ready at home even when you are for days. Since it is packaged using safe materials, unlike tap water stored at home, it does not go stale or does not have any smell to it.

Fitness benefits

You might be surprised to know this but the fact is that mineral water offers immense fitness benefits. If you plan to work out post your holiday to get rid of the excess calories, mineral water can aid you in your goals. This is because the minerals present in your 20 ltr water jar, ordered online, impact the functioning of your heart, your blood pressure, and the functioning of several vital organs. Needless to say, it is important that your body in functioning at optimal levels for you to gain maximum fitness benefits from your physical workouts.

Since it can be taxing to prioritize purchases when you are just back from a holiday and trying to get back to routine, it make sense to pre-order before your holiday. Alternately, you can choose to order a mineral water jar online while you are on holiday. This way, it will arrive just in time when you are back since doorstep delivery takes a couple of days.

The Final Takeaway

Ordering a 20 ltr mineral water jar online can be a highly effective way to ensure good health post a holiday. This is because such packaged drinking water jars come with as many as 21 essential minerals, which regulate several physical and mental functions in the body.

Therefore, it is important to add it to your checklist of essentials so that your home is ready to welcome you after a stunning holiday.

The Basic Definitive Guide of Buying Mattress in Dubai

Sleep takes up a third of your lifetime, so doing it correctly is absolutely crucial. With that said, the quality of your sleep at night determines the productivity you have during the day, and the right mattress will help you achieve that feat. When you go to buy a mattress in Dubai, it is imperative to weigh your pros and cons and then decide which one works for you. Each person is different and has varied requirements. What works for you is what you should check in terms of functionality, budget, necessity, etc. There is a large variety of options online as well as in stores, which can be a daunting task when trying to narrow down which one you want to buy. We have compiled some key guidelines that you can consider when you are off on your quest to buy mattress in Dubai.

Things to consider while buying a mattress in Dubai

Dubai is a financial hub, and people living there live hectic lives. A mattress is where you spend more of your physical time compared to any other furniture piece in your home, so it is important to get one that gives you a good night’s rest so you can continue enjoying the bustling lifestyle of the glamorous city. Have a look at the points mentioned below, which will help you purchase the right mattress for yourself as well as your family.

1. Comfort is Key

Focus on comfort rather than recommendations from others as no matter how expensive the mattress is; it will not help you if you are not comfortable. If you like soft mattresses, go for heavy foamed ones and for hard ones, thinner and so on. The size, firmness, materials used, etc., will help you find your comfort zone.

2. Get the Right Size

You could have a single bed, double king size, queen size and so on. It is important to buy a mattress that fits the bed correctly. It adds to the room’s aesthetic appeal and helps with bedsheets and bed covers looking neater. If you buy a mattress smaller or bigger than your bed size, you will have posture-related issues as well.

3. Affirm the Cost

Mattresses range from wide price points, so when you go to buy mattress in Dubai, ensure that you have shortlisted a few within your budget before you take the plunge. This will help you in saving time, and you will get a good option within the range.

4. Softness & Firmness

It is a myth that a super soft or an extremely firm mattress is good for you. While it might be good for some, you need to test it out and see for yourself to figure out which takes the shape of your body, which one gives you back support and what materials it is made from before you make the final decision. The one that supports your spine is the best option.

Looking for a Good Investment? Check These Tips to Choose the Best ULIP Plans

If you have decided to invest in a Unit Linked Insurance Plan or ULIP, you are on the right path to diversifying your investments and giving your family insurance cover! However, if you have never purchased a ULIP plan previously, it can be overwhelming to choose a ULIP plan from the various options available in the market.

This is because unlike term life insurance, there are multiple intricacies involved in a ULIP plan that define maturity benefits and death cover. Hence, you need to study your options carefully to arrive at a decision that works best for your unique requirements.

Here are some tips to choose ULIP plans wisely:

Opt for a market leader

Unlike term insurance, which is not linked to the equities market, a ULIP is linked to the performance of the stock market. Hence, it is not a pure insurance product, and returns cannot be guaranteed by the insurer or the government.

It becomes important that your investment into ULIP is handled carefully by the insurer; a market leader is your best bet to ensure your ULIP investment is in expert hands who have a fair understanding of the market. For example, when you opt for a leading insurer such as Edelweiss Tokio Life, you can be more confident of your decisions.

Understand the difference between debt and equity-linked ULIPs

When it comes to arriving at the best ULIP plans, you need to understand that not all of them are the same. This means that there are different plans to meet your risk appetite apart from insurance benefits. Accordingly, there are ULIPs that invest in debt mutual funds and those that invest in equity-linked mutual funds.

Further, you might also want to consider ULIPs that offer hybrid investment options. You must consider rest of your investment portfolio and your overall risk appetite while deciding which is the best ULIP plan for your current wealth creation needs along with the added benefit of insurance and tax saving.

Know your tax saving needs

One of they key features or benefits that a ULIP plan offers over traditional equity investments is tax saving, owing to its insurance cover inclusion. Hence, while considering the best ULIP plans, you need to calculate your tax saving needs, and which ULIP plan offers maximum tax benefits. With a life insurance plan, you can save taxes up to Rs. 46,800. Premiums paid are eligible for tax exemption u/s 80(C) and the returns are tax-free as per section 10(10D) rule of the Income Tax Act, 1961.

As per your individual financial needs, the best ULIP plan for you might be one that offers basic wealth creation opportunities but high tax savings. Or, if your tax saving needs are already met by other investments, you might want to identify the best ULIP plan from a higher savings or returns perspective.

Stay invested for a long term

One of the key things that can impact your ULIP’s performance or maturity benefits is how long you stay invested. Hence, if you are looking for the best ULIP plan, consider plans that will allow you to stay invested for maximum number of years. Since ULIPs allow SIPs, you stand to benefit from multiple bear and bull cycles with a long-term ULIP plan.

Compare insurance cover benefits

Remember, the best ULIP plans are not just those that offer high potential for returns, but also maximum insurance cover. Hence, it is equally important to consider insurance cover-related benefits being offered by a ULIP provider. This can go a long way in identifying the best ULIP plan that will offer you value in the long run.

One of the best ways to do this is by spending some time online, comparing the different ULIP plans in terms of insurance-related features. This could include types of cover, tenures, and so on. All you need to do is, visit websites that offer you comparison on a range of factors with regards to the top performing or best ULIP plans in India.

Conclusion

There are a range of things you need to consider while identifying the best ULIP plans for your investment and insurance needs. More importantly, it is important to remember that you cannot make an impulse decision. Instead, you need to carefully evaluate your portfolio and insurance needs, compare the best ULIP plans, and then make strategic decisions and remain committed to them for the maximum possible tenure. This will ensure you get the maximum value for your investments in ULIPs.